Home > Community Bank of Cameron > Performance and Condition Ratios
Community Bank of Cameron, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 2,279 |
| Cost of funding earning assets | 1.0602% | 3,171 |
| Net interest margin | 3.8381% | 1,492 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.6448% | 1,887 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1686% | 1,727 |
| Return on assets (ROA) | 1.1686% | 1,699 |
| Pretax return on assets | 1.2999% | 1,870 |
| Return on Equity (ROE) | 13.7800% | 1,535 |
| Retained earnings to average equity (ytd only) | 7.2537% | 1,807 |
| Net charge-offs to loans | -0.0689% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.4581% | 2,419 |
| Assets per employee ($millions) | 4.7693% | 3,794 |
| Cash dividends to net income (ytd only)* | 47.3481% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 2,893 |
| Loan loss allowance to noncurrent loans | 599.1667% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 2,643 |
| Noncurrent loans to loans | 0.1819% | 2,603 |
| Net loans and leases to total assets | 72.0100% | 1,580 |
| Net loans and leases to deposits | 84.6869% | 1,717 |
| Net loans and leases to core deposits | 87.2057% | 2,232 |
| Total domestic deposits to total assets | 85.0300% | 2,302 |
| Equity capital to assets | 8.5498% | 3,017 |
| Core capital (leverage) ratio | 8.5716% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3629% | 2,116 |
| Memoranda: | ||
| Average total assets | $177,478,200 | 3,147 |
| Average earning assets | $166,851,800 | 3,125 |
| Average equity | $15,054,400 | 3,260 |
| Average total loans | $123,351,200 | 2,919 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 2,299 |
| Cost of funding earning assets | 0.9637% | 3,127 |
| Net interest margin | 3.8218% | 1,552 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.6010% | 1,939 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1661% | 1,888 |
| Return on assets (ROA) | 1.1661% | 1,869 |
| Pretax return on assets | 1.3421% | 1,920 |
| Return on Equity (ROE) | 13.7800% | 1,711 |
| Retained earnings to average equity (ytd only) | 8.3419% | 1,856 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.4341% | 2,445 |
| Assets per employee ($millions) | 4.6573% | 3,846 |
| Cash dividends to net income (ytd only)* | 39.4430% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,127 |
| Loan loss allowance to noncurrent loans | 384.9275% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 2,325 |
| Noncurrent loans to loans | 0.2715% | 2,266 |
| Net loans and leases to total assets | 69.2300% | 1,913 |
| Net loans and leases to deposits | 79.1444% | 2,128 |
| Net loans and leases to core deposits | 81.0481% | 2,527 |
| Total domestic deposits to total assets | 87.4700% | 1,752 |
| Equity capital to assets | 8.4439% | 2,753 |
| Core capital (leverage) ratio | 8.5302% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3731% | 2,126 |
| Memoranda: | ||
| Average total assets | $176,539,750 | 3,161 |
| Average earning assets | $166,026,000 | 3,137 |
| Average equity | $14,944,250 | 3,264 |
| Average total loans | $121,203,250 | 2,939 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 2,410 |
| Cost of funding earning assets | 0.8285% | 3,137 |
| Net interest margin | 3.7750% | 1,669 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.6550% | 1,771 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9803% | 2,481 |
| Return on assets (ROA) | 0.9803% | 2,468 |
| Pretax return on assets | 1.2468% | 2,232 |
| Return on Equity (ROE) | 11.5200% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.8096% | 1,462 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.6954% | 2,155 |
| Assets per employee ($millions) | 4.6634% | 3,848 |
| Cash dividends to net income (ytd only)* | 14.8191% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,290 |
| Loan loss allowance to noncurrent loans | 385.7576% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 2,261 |
| Noncurrent loans to loans | 0.2672% | 2,203 |
| Net loans and leases to total assets | 68.9800% | 1,856 |
| Net loans and leases to deposits | 79.2690% | 2,028 |
| Net loans and leases to core deposits | 81.5284% | 2,369 |
| Total domestic deposits to total assets | 87.0300% | 1,921 |
| Equity capital to assets | 8.5982% | 2,780 |
| Core capital (leverage) ratio | 8.7566% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6281% | 2,049 |
| Memoranda: | ||
| Average total assets | $174,841,333 | 3,182 |
| Average earning assets | $164,875,333 | 3,159 |
| Average equity | $14,883,333 | 3,280 |
| Average total loans | $119,246,000 | 2,960 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,467 |
| Cost of funding earning assets | 0.6349% | 3,273 |
| Net interest margin | 3.7949% | 1,697 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.5821% | 2,001 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9191% | 2,792 |
| Return on assets (ROA) | 0.9191% | 2,748 |
| Pretax return on assets | 1.3175% | 2,127 |
| Return on Equity (ROE) | 10.8500% | 2,537 |
| Retained earnings to average equity (ytd only) | 10.8523% | 1,503 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.9102% | 2,341 |
| Assets per employee ($millions) | 4.5689% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,346 |
| Loan loss allowance to noncurrent loans | 294.0618% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 1,906 |
| Noncurrent loans to loans | 0.3531% | 1,879 |
| Net loans and leases to total assets | 67.9600% | 1,837 |
| Net loans and leases to deposits | 76.9508% | 2,045 |
| Net loans and leases to core deposits | 78.3774% | 2,363 |
| Total domestic deposits to total assets | 88.3200% | 1,805 |
| Equity capital to assets | 8.5855% | 2,821 |
| Core capital (leverage) ratio | 8.5069% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4878% | 2,181 |
| Memoranda: | ||
| Average total assets | $173,656,500 | 3,234 |
| Average earning assets | $163,166,500 | 3,212 |
| Average equity | $14,706,500 | 3,331 |
| Average total loans | $117,109,000 | 3,012 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 1,484 |
| Cost of funding earning assets | 0.3554% | 2,437 |
| Net interest margin | 3.7407% | 1,283 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.3976% | 2,430 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.5221% | 834 |
| Return on assets (ROA) | 1.5221% | 808 |
| Pretax return on assets | 1.5268% | 1,375 |
| Return on Equity (ROE) | 17.7900% | 735 |
| Retained earnings to average equity (ytd only) | 3.0378% | 3,709 |
| Net charge-offs to loans | 0.0782% | 864 |
| Credit loss provision to net charge-offs | 23.2558% | 1,925 |
| Earnings coverage of net charge-offs (x) | 30.6279% | 1,669 |
| Efficiency ratio | 60.9141% | 2,923 |
| Assets per employee ($millions) | 4.4537% | 4,067 |
| Cash dividends to net income (ytd only)* | 82.9240% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,138 |
| Loan loss allowance to noncurrent loans | 447.5836% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 2,451 |
| Noncurrent loans to loans | 0.2339% | 2,336 |
| Net loans and leases to total assets | 65.5100% | 2,088 |
| Net loans and leases to deposits | 72.5706% | 2,365 |
| Net loans and leases to core deposits | 74.7356% | 2,518 |
| Total domestic deposits to total assets | 90.2700% | 1,250 |
| Equity capital to assets | 8.3520% | 2,813 |
| Core capital (leverage) ratio | 8.2245% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2005% | 2,285 |
| Memoranda: | ||
| Average total assets | $171,209,600 | 3,263 |
| Average earning assets | $160,102,600 | 3,245 |
| Average equity | $14,648,600 | 3,399 |
| Average total loans | $109,963,000 | 3,028 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 1,284 |
| Cost of funding earning assets | 0.3153% | 2,010 |
| Net interest margin | 3.6767% | 1,200 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.3268% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5585% | 724 |
| Return on assets (ROA) | 1.5585% | 703 |
| Pretax return on assets | 1.5632% | 1,220 |
| Return on Equity (ROE) | 18.1100% | 631 |
| Retained earnings to average equity (ytd only) | 8.3626% | 1,863 |
| Net charge-offs to loans | 0.0012% | 2,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2,000.0000% | 60 |
| Efficiency ratio | 59.8151% | 3,135 |
| Assets per employee ($millions) | 4.9934% | 3,680 |
| Cash dividends to net income (ytd only)* | 53.8114% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 2,844 |
| Loan loss allowance to noncurrent loans | 385.7143% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,344 |
| Noncurrent loans to loans | 0.2953% | 2,186 |
| Net loans and leases to total assets | 63.0200% | 2,188 |
| Net loans and leases to deposits | 69.9982% | 2,362 |
| Net loans and leases to core deposits | 72.2013% | 2,471 |
| Total domestic deposits to total assets | 90.0300% | 1,647 |
| Equity capital to assets | 8.5730% | 2,500 |
| Core capital (leverage) ratio | 8.6128% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5777% | 2,226 |
| Memoranda: | ||
| Average total assets | $170,588,250 | 3,293 |
| Average earning assets | $159,850,250 | 3,269 |
| Average equity | $14,684,000 | 3,440 |
| Average total loans | $108,707,250 | 3,049 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 1,195 |
| Cost of funding earning assets | 0.2976% | 1,731 |
| Net interest margin | 3.5595% | 1,159 |
| Noninterest income to average assets | 0.4480% | 2,466 |
| Noninterest expense to average assets | 2.3216% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4587% | 778 |
| Return on assets (ROA) | 1.4587% | 758 |
| Pretax return on assets | 1.4634% | 1,273 |
| Return on Equity (ROE) | 16.9223% | 576 |
| Retained earnings to average equity (ytd only) | 13.8642% | 374 |
| Net charge-offs to loans | 0.0019% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,238.0000% | 99 |
| Efficiency ratio | 61.3367% | 3,134 |
| Assets per employee ($millions) | 5.0377% | 3,647 |
| Cash dividends to net income (ytd only)* | 18.0713% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 3,131 |
| Loan loss allowance to noncurrent loans | 376.5579% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 2,353 |
| Noncurrent loans to loans | 0.2944% | 2,292 |
| Net loans and leases to total assets | 66.0961% | 1,675 |
| Net loans and leases to deposits | 73.8636% | 1,881 |
| Net loans and leases to core deposits | 76.4581% | 1,976 |
| Total domestic deposits to total assets | 89.4839% | 1,954 |
| Equity capital to assets | 8.8002% | 2,532 |
| Core capital (leverage) ratio | 8.8692% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8075% | 2,154 |
| Memoranda: | ||
| Average total assets | $169,194,667 | 3,341 |
| Average earning assets | $158,615,667 | 3,325 |
| Average equity | $14,584,333 | 3,537 |
| Average total loans | $107,807,333 | 3,095 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 1,273 |
| Cost of funding earning assets | 0.2972% | 1,681 |
| Net interest margin | 3.4018% | 1,294 |
| Noninterest income to average assets | 0.4282% | 2,508 |
| Noninterest expense to average assets | 2.2860% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3226% | 956 |
| Return on assets (ROA) | 1.3226% | 944 |
| Pretax return on assets | 1.3274% | 1,437 |
| Return on Equity (ROE) | 15.5091% | 584 |
| Retained earnings to average equity (ytd only) | 15.5091% | 261 |
| Net charge-offs to loans | 0.0038% | 1,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 558.0000% | 180 |
| Efficiency ratio | 63.2653% | 3,106 |
| Assets per employee ($millions) | 4.9815% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,870 |
| Loan loss allowance to noncurrent loans | 340.8602% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,324 |
| Noncurrent loans to loans | 0.3516% | 2,225 |
| Net loans and leases to total assets | 61.7134% | 1,897 |
| Net loans and leases to deposits | 68.9536% | 2,056 |
| Net loans and leases to core deposits | 71.2041% | 2,179 |
| Total domestic deposits to total assets | 89.4999% | 1,812 |
| Equity capital to assets | 8.6308% | 3,046 |
| Core capital (leverage) ratio | 8.4748% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6176% | 1,946 |
| Memoranda: | ||
| Average total assets | $168,151,500 | 3,362 |
| Average earning assets | $157,444,500 | 3,350 |
| Average equity | $14,340,000 | 3,620 |
| Average total loans | $104,471,500 | 3,133 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 792 |
| Cost of funding earning assets | 0.4036% | 1,523 |
| Net interest margin | 3.9401% | 799 |
| Noninterest income to average assets | 0.4340% | 2,887 |
| Noninterest expense to average assets | 2.4327% | 2,384 |
| Loan and lease loss provision to assets | 0.0799% | 1,535 |
| Net operating income to assets | 1.5799% | 860 |
| Return on assets (ROA) | 1.5799% | 890 |
| Pretax return on assets | 1.5818% | 1,477 |
| Return on Equity (ROE) | 18.2233% | 444 |
| Retained earnings to average equity (ytd only) | 8.6726% | 1,292 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4142% | 3,239 |
| Assets per employee ($millions) | 4.9098% | 3,812 |
| Cash dividends to net income (ytd only)* | 52.4096% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,731 |
| Loan loss allowance to noncurrent loans | 346.9945% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 2,467 |
| Noncurrent loans to loans | 0.3548% | 2,311 |
| Net loans and leases to total assets | 61.0311% | 2,054 |
| Net loans and leases to deposits | 68.3238% | 2,282 |
| Net loans and leases to core deposits | 70.7940% | 2,377 |
| Total domestic deposits to total assets | 89.3263% | 1,342 |
| Equity capital to assets | 8.4237% | 4,100 |
| Core capital (leverage) ratio | 8.4351% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1259% | 2,195 |
| Memoranda: | ||
| Average total assets | $157,603,800 | 3,416 |
| Average earning assets | $146,418,600 | 3,411 |
| Average equity | $13,663,800 | 3,772 |
| Average total loans | $101,551,000 | 3,176 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 687 |
| Cost of funding earning assets | 0.4307% | 1,479 |
| Net interest margin | 4.0554% | 707 |
| Noninterest income to average assets | 0.4379% | 2,894 |
| Noninterest expense to average assets | 2.3485% | 2,598 |
| Loan and lease loss provision to assets | 0.0805% | 1,475 |
| Net operating income to assets | 1.7646% | 726 |
| Return on assets (ROA) | 1.7646% | 757 |
| Pretax return on assets | 1.7680% | 1,242 |
| Return on Equity (ROE) | 20.1997% | 416 |
| Retained earnings to average equity (ytd only) | 11.2253% | 1,005 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9534% | 3,537 |
| Assets per employee ($millions) | 5.0999% | 3,606 |
| Cash dividends to net income (ytd only)* | 44.4282% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,852 |
| Loan loss allowance to noncurrent loans | 728.2353% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 3,093 |
| Noncurrent loans to loans | 0.1686% | 3,274 |
| Net loans and leases to total assets | 61.0387% | 2,130 |
| Net loans and leases to deposits | 68.5212% | 2,390 |
| Net loans and leases to core deposits | 71.0610% | 2,506 |
| Total domestic deposits to total assets | 89.0801% | 1,235 |
| Equity capital to assets | 8.5902% | 4,138 |
| Core capital (leverage) ratio | 8.6418% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7526% | 2,064 |
| Memoranda: | ||
| Average total assets | $155,271,500 | 3,472 |
| Average earning assets | $143,935,250 | 3,470 |
| Average equity | $13,564,250 | 3,831 |
| Average total loans | $101,151,000 | 3,224 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 511 |
| Cost of funding earning assets | 0.4659% | 1,410 |
| Net interest margin | 4.2641% | 522 |
| Noninterest income to average assets | 0.4390% | 2,910 |
| Noninterest expense to average assets | 2.3338% | 2,660 |
| Loan and lease loss provision to assets | 0.0812% | 1,497 |
| Net operating income to assets | 1.9669% | 516 |
| Return on assets (ROA) | 1.9669% | 541 |
| Pretax return on assets | 1.9695% | 884 |
| Return on Equity (ROE) | 22.3818% | 296 |
| Retained earnings to average equity (ytd only) | 13.5842% | 620 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2277% | 3,897 |
| Assets per employee ($millions) | 4.6716% | 3,954 |
| Cash dividends to net income (ytd only)* | 39.3071% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 3,026 |
| Loan loss allowance to noncurrent loans | 313.2468% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 2,428 |
| Noncurrent loans to loans | 0.3782% | 2,538 |
| Net loans and leases to total assets | 63.3397% | 2,028 |
| Net loans and leases to deposits | 71.4260% | 2,264 |
| Net loans and leases to core deposits | 74.1564% | 2,396 |
| Total domestic deposits to total assets | 88.6787% | 1,464 |
| Equity capital to assets | 8.6814% | 4,067 |
| Core capital (leverage) ratio | 8.8518% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4795% | 2,176 |
| Memoranda: | ||
| Average total assets | $152,629,333 | 3,506 |
| Average earning assets | $141,227,000 | 3,501 |
| Average equity | $13,412,667 | 3,850 |
| Average total loans | $101,250,667 | 3,235 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 500 |
| Cost of funding earning assets | 0.4990% | 1,401 |
| Net interest margin | 4.2819% | 531 |
| Noninterest income to average assets | 0.4307% | 2,930 |
| Noninterest expense to average assets | 2.4343% | 2,382 |
| Loan and lease loss provision to assets | 0.0829% | 1,566 |
| Net operating income to assets | 1.8592% | 706 |
| Return on assets (ROA) | 1.8592% | 764 |
| Pretax return on assets | 1.8619% | 1,173 |
| Return on Equity (ROE) | 21.0216% | 467 |
| Retained earnings to average equity (ytd only) | 21.0216% | 235 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5895% | 3,589 |
| Assets per employee ($millions) | 4.3636% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 3,077 |
| Loan loss allowance to noncurrent loans | 284.5036% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 2,492 |
| Noncurrent loans to loans | 0.4122% | 2,624 |
| Net loans and leases to total assets | 64.8261% | 1,940 |
| Net loans and leases to deposits | 73.5204% | 2,154 |
| Net loans and leases to core deposits | 77.0333% | 2,264 |
| Total domestic deposits to total assets | 88.1743% | 1,750 |
| Equity capital to assets | 8.8864% | 3,799 |
| Core capital (leverage) ratio | 8.8817% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7542% | 1,984 |
| Memoranda: | ||
| Average total assets | $149,527,000 | 3,537 |
| Average earning assets | $137,883,500 | 3,539 |
| Average equity | $13,224,500 | 3,879 |
| Average total loans | $100,970,500 | 3,246 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 706 |
| Cost of funding earning assets | 0.7052% | 1,699 |
| Net interest margin | 4.1185% | 754 |
| Noninterest income to average assets | 0.4245% | 2,995 |
| Noninterest expense to average assets | 2.6770% | 2,305 |
| Loan and lease loss provision to assets | 0.0821% | 3,353 |
| Net operating income to assets | 1.4481% | 922 |
| Return on assets (ROA) | 1.4481% | 1,002 |
| Pretax return on assets | 1.4510% | 1,504 |
| Return on Equity (ROE) | 16.4809% | 456 |
| Retained earnings to average equity (ytd only) | 14.6367% | 168 |
| Net charge-offs to loans | 0.0180% | 2,723 |
| Credit loss provision to net charge-offs | 622.2222% | 1,080 |
| Earnings coverage of net charge-offs (x) | 116.1667% | 717 |
| Efficiency ratio | 63.5841% | 2,879 |
| Assets per employee ($millions) | 4.1808% | 4,226 |
| Cash dividends to net income (ytd only)* | 11.1899% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 3,336 |
| Loan loss allowance to noncurrent loans | 306.7024% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 2,679 |
| Noncurrent loans to loans | 0.3666% | 2,886 |
| Net loans and leases to total assets | 68.7604% | 1,727 |
| Net loans and leases to deposits | 78.3533% | 2,036 |
| Net loans and leases to core deposits | 81.4802% | 2,232 |
| Total domestic deposits to total assets | 87.7569% | 1,584 |
| Equity capital to assets | 8.8002% | 4,222 |
| Core capital (leverage) ratio | 8.8885% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9130% | 2,275 |
| Memoranda: | ||
| Average total assets | $136,385,000 | 3,551 |
| Average earning assets | $125,361,400 | 3,565 |
| Average equity | $11,983,600 | 3,979 |
| Average total loans | $100,056,600 | 3,227 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 793 |
| Cost of funding earning assets | 0.7488% | 1,756 |
| Net interest margin | 4.1130% | 875 |
| Noninterest income to average assets | 0.4302% | 2,936 |
| Noninterest expense to average assets | 2.5929% | 2,549 |
| Loan and lease loss provision to assets | 0.0814% | 3,296 |
| Net operating income to assets | 1.5484% | 814 |
| Return on assets (ROA) | 1.5484% | 890 |
| Pretax return on assets | 1.5514% | 1,324 |
| Return on Equity (ROE) | 17.6296% | 389 |
| Retained earnings to average equity (ytd only) | 15.1240% | 195 |
| Net charge-offs to loans | 0.0254% | 2,323 |
| Credit loss provision to net charge-offs | 431.5789% | 1,402 |
| Earnings coverage of net charge-offs (x) | 86.3158% | 875 |
| Efficiency ratio | 61.3572% | 3,172 |
| Assets per employee ($millions) | 4.1230% | 4,219 |
| Cash dividends to net income (ytd only)* | 14.2122% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,484 |
| Loan loss allowance to noncurrent loans | 197.3404% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 2,608 |
| Noncurrent loans to loans | 0.5304% | 2,474 |
| Net loans and leases to total assets | 72.9176% | 1,517 |
| Net loans and leases to deposits | 83.0162% | 2,017 |
| Net loans and leases to core deposits | 86.5605% | 2,270 |
| Total domestic deposits to total assets | 87.8354% | 1,292 |
| Equity capital to assets | 8.6325% | 4,381 |
| Core capital (leverage) ratio | 8.7468% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3278% | 2,489 |
| Memoranda: | ||
| Average total assets | $133,899,500 | 3,568 |
| Average earning assets | $123,572,000 | 3,572 |
| Average equity | $11,760,250 | 4,007 |
| Average total loans | $99,631,000 | 3,245 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 815 |
| Cost of funding earning assets | 0.8108% | 1,775 |
| Net interest margin | 4.1968% | 931 |
| Noninterest income to average assets | 0.4155% | 2,989 |
| Noninterest expense to average assets | 2.6144% | 2,616 |
| Loan and lease loss provision to assets | 0.0797% | 3,298 |
| Net operating income to assets | 1.5916% | 775 |
| Return on assets (ROA) | 1.5916% | 846 |
| Pretax return on assets | 1.5947% | 1,236 |
| Return on Equity (ROE) | 18.0083% | 365 |
| Retained earnings to average equity (ytd only) | 14.1742% | 267 |
| Net charge-offs to loans | 0.0185% | 2,351 |
| Credit loss provision to net charge-offs | 577.7778% | 1,133 |
| Earnings coverage of net charge-offs (x) | 121.3333% | 616 |
| Efficiency ratio | 60.9582% | 3,282 |
| Assets per employee ($millions) | 4.0345% | 4,279 |
| Cash dividends to net income (ytd only)* | 21.2909% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,225 |
| Loan loss allowance to noncurrent loans | 205.0657% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 2,681 |
| Noncurrent loans to loans | 0.5225% | 2,594 |
| Net loans and leases to total assets | 71.4733% | 1,802 |
| Net loans and leases to deposits | 81.4517% | 2,264 |
| Net loans and leases to core deposits | 85.0025% | 2,520 |
| Total domestic deposits to total assets | 87.7493% | 1,306 |
| Equity capital to assets | 8.4556% | 4,505 |
| Core capital (leverage) ratio | 8.9486% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6543% | 2,332 |
| Memoranda: | ||
| Average total assets | $130,431,333 | 3,593 |
| Average earning assets | $120,378,000 | 3,597 |
| Average equity | $11,528,000 | 4,041 |
| Average total loans | $97,396,000 | 3,276 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 1,028 |
| Cost of funding earning assets | 0.9156% | 1,789 |
| Net interest margin | 4.0516% | 1,246 |
| Noninterest income to average assets | 0.4255% | 2,933 |
| Noninterest expense to average assets | 2.7894% | 2,458 |
| Loan and lease loss provision to assets | 0.0544% | 3,086 |
| Net operating income to assets | 1.2732% | 1,316 |
| Return on assets (ROA) | 1.2732% | 1,415 |
| Pretax return on assets | 1.2764% | 1,942 |
| Return on Equity (ROE) | 14.0611% | 688 |
| Retained earnings to average equity (ytd only) | 14.0611% | 247 |
| Net charge-offs to loans | 0.0337% | 1,726 |
| Credit loss provision to net charge-offs | 212.5000% | 1,385 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 873 |
| Efficiency ratio | 67.7019% | 2,722 |
| Assets per employee ($millions) | 3.5989% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,112 |
| Loan loss allowance to noncurrent loans | 260.1966% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 2,818 |
| Noncurrent loans to loans | 0.4287% | 2,965 |
| Net loans and leases to total assets | 74.5235% | 1,529 |
| Net loans and leases to deposits | 87.1517% | 1,846 |
| Net loans and leases to core deposits | 91.5690% | 2,205 |
| Total domestic deposits to total assets | 85.5100% | 2,206 |
| Equity capital to assets | 9.1463% | 4,509 |
| Core capital (leverage) ratio | 9.1255% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1822% | 2,205 |
| Memoranda: | ||
| Average total assets | $125,043,000 | 3,638 |
| Average earning assets | $114,029,000 | 3,643 |
| Average equity | $11,322,000 | 4,090 |
| Average total loans | $95,084,500 | 3,300 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1703% | 1,063 |
| Cost of funding earning assets | 0.9510% | 1,955 |
| Net interest margin | 4.2193% | 1,282 |
| Noninterest income to average assets | 0.4452% | 3,030 |
| Noninterest expense to average assets | 2.8326% | 2,497 |
| Loan and lease loss provision to assets | 0.0364% | 3,280 |
| Net operating income to assets | 1.4655% | 1,137 |
| Return on assets (ROA) | 1.4655% | 1,203 |
| Pretax return on assets | 1.4680% | 1,909 |
| Return on Equity (ROE) | 15.8632% | 560 |
| Retained earnings to average equity (ytd only) | 2.7588% | 3,658 |
| Net charge-offs to loans | 0.0011% | 3,690 |
| Credit loss provision to net charge-offs | 4,400.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 1,818.0000% | 39 |
| Efficiency ratio | 65.3120% | 2,873 |
| Assets per employee ($millions) | 3.5464% | 4,439 |
| Cash dividends to net income (ytd only)* | 82.6087% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 2,943 |
| Loan loss allowance to noncurrent loans | 253.0120% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 3,084 |
| Noncurrent loans to loans | 0.4358% | 2,883 |
| Net loans and leases to total assets | 75.8828% | 1,436 |
| Net loans and leases to deposits | 86.9174% | 1,981 |
| Net loans and leases to core deposits | 91.5531% | 2,274 |
| Total domestic deposits to total assets | 87.3045% | 1,450 |
| Equity capital to assets | 8.9613% | 4,704 |
| Core capital (leverage) ratio | 9.0369% | 4,503 |
| Tier 1 risk-based capital ratio | 12.3428% | 4,167 |
| Total risk-based capital ratio | 13.5080% | 4,082 |
| Memoranda: | ||
| Average total assets | $120,845,000 | 3,686 |
| Average earning assets | $111,463,000 | 3,684 |
| Average equity | $11,164,200 | 4,100 |
| Average total loans | $92,676,400 | 3,347 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1219% | 1,241 |
| Cost of funding earning assets | 0.9462% | 2,005 |
| Net interest margin | 4.1757% | 1,431 |
| Noninterest income to average assets | 0.4577% | 2,976 |
| Noninterest expense to average assets | 2.7571% | 2,691 |
| Loan and lease loss provision to assets | 0.0344% | 3,212 |
| Net operating income to assets | 1.5307% | 1,113 |
| Return on assets (ROA) | 1.5307% | 1,163 |
| Pretax return on assets | 1.5341% | 1,855 |
| Return on Equity (ROE) | 16.4418% | 543 |
| Retained earnings to average equity (ytd only) | 7.4930% | 1,627 |
| Net charge-offs to loans | 0.0043% | 3,250 |
| Credit loss provision to net charge-offs | 1,033.3333% | 339 |
| Earnings coverage of net charge-offs (x) | 470.6550% | 212 |
| Efficiency ratio | 63.7391% | 3,053 |
| Assets per employee ($millions) | 3.8160% | 4,148 |
| Cash dividends to net income (ytd only)* | 54.4269% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,031 |
| Loan loss allowance to noncurrent loans | 232.8829% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 3,045 |
| Noncurrent loans to loans | 0.4724% | 2,882 |
| Net loans and leases to total assets | 76.1258% | 1,454 |
| Net loans and leases to deposits | 87.6962% | 1,976 |
| Net loans and leases to core deposits | 92.2257% | 2,345 |
| Total domestic deposits to total assets | 86.8063% | 1,617 |
| Equity capital to assets | 9.3710% | 4,551 |
| Core capital (leverage) ratio | 9.3511% | 4,328 |
| Tier 1 risk-based capital ratio | 12.7939% | 3,957 |
| Total risk-based capital ratio | 13.9500% | 3,900 |
| Memoranda: | ||
| Average total assets | $120,025,500 | 3,742 |
| Average earning assets | $111,180,500 | 3,730 |
| Average equity | $11,174,500 | 4,133 |
| Average total loans | $92,036,000 | 3,400 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 1,235 |
| Cost of funding earning assets | 0.9325% | 1,995 |
| Net interest margin | 4.1608% | 1,458 |
| Noninterest income to average assets | 0.4542% | 2,936 |
| Noninterest expense to average assets | 2.7219% | 2,835 |
| Loan and lease loss provision to assets | 0.0335% | 3,155 |
| Net operating income to assets | 1.5319% | 1,057 |
| Return on assets (ROA) | 1.5319% | 1,107 |
| Pretax return on assets | 1.5352% | 1,742 |
| Return on Equity (ROE) | 16.4908% | 525 |
| Retained earnings to average equity (ytd only) | 8.9129% | 1,056 |
| Net charge-offs to loans | 0.0022% | 3,102 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 936.0000% | 76 |
| Efficiency ratio | 63.4375% | 3,221 |
| Assets per employee ($millions) | 3.7844% | 4,149 |
| Cash dividends to net income (ytd only)* | 45.9519% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 2,932 |
| Loan loss allowance to noncurrent loans | 308.7349% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 3,272 |
| Noncurrent loans to loans | 0.3643% | 3,219 |
| Net loans and leases to total assets | 74.4073% | 1,820 |
| Net loans and leases to deposits | 84.8738% | 2,383 |
| Net loans and leases to core deposits | 90.7012% | 2,541 |
| Total domestic deposits to total assets | 87.6681% | 1,261 |
| Equity capital to assets | 9.3385% | 4,543 |
| Core capital (leverage) ratio | 9.4915% | 4,149 |
| Tier 1 risk-based capital ratio | 12.9463% | 3,868 |
| Total risk-based capital ratio | 14.1197% | 3,812 |
| Memoranda: | ||
| Average total assets | $119,330,330 | 3,777 |
| Average earning assets | $110,027,000 | 3,773 |
| Average equity | $11,085,000 | 4,158 |
| Average total loans | $91,384,000 | 3,425 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 1,540 |
| Cost of funding earning assets | 0.9065% | 1,967 |
| Net interest margin | 4.0156% | 1,806 |
| Noninterest income to average assets | 0.4356% | 2,940 |
| Noninterest expense to average assets | 2.8131% | 2,530 |
| Loan and lease loss provision to assets | 0.0338% | 2,953 |
| Net operating income to assets | 1.3036% | 1,685 |
| Return on assets (ROA) | 1.3036% | 1,722 |
| Pretax return on assets | 1.3137% | 2,397 |
| Return on Equity (ROE) | 14.0709% | 953 |
| Retained earnings to average equity (ytd only) | 11.5192% | 701 |
| Net charge-offs to loans | -0.0044% | 3,988 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6136% | 2,695 |
| Assets per employee ($millions) | 3.6789% | 4,373 |
| Cash dividends to net income (ytd only)* | 18.1347% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,049 |
| Loan loss allowance to noncurrent loans | 181.1388% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 2,592 |
| Noncurrent loans to loans | 0.6150% | 2,488 |
| Net loans and leases to total assets | 76.7600% | 1,359 |
| Net loans and leases to deposits | 87.5562% | 1,930 |
| Net loans and leases to core deposits | 94.2529% | 2,101 |
| Total domestic deposits to total assets | 87.6695% | 1,487 |
| Equity capital to assets | 9.4552% | 4,299 |
| Core capital (leverage) ratio | 9.2601% | 4,399 |
| Tier 1 risk-based capital ratio | 13.1027% | 3,824 |
| Total risk-based capital ratio | 14.3010% | 3,761 |
| Memoranda: | ||
| Average total assets | $118,445,000 | 3,833 |
| Average earning assets | $109,871,500 | 3,817 |
| Average equity | $10,973,000 | 4,190 |
| Average total loans | $91,509,500 | 3,464 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 1,448 |
| Cost of funding earning assets | 0.7423% | 1,839 |
| Net interest margin | 4.0972% | 1,685 |
| Noninterest income to average assets | 0.4831% | 2,928 |
| Noninterest expense to average assets | 2.7624% | 2,817 |
| Loan and lease loss provision to assets | 0.0246% | 3,679 |
| Net operating income to assets | 1.4748% | 1,186 |
| Return on assets (ROA) | 1.4748% | 1,179 |
| Pretax return on assets | 1.4765% | 1,857 |
| Return on Equity (ROE) | 15.9209% | 650 |
| Retained earnings to average equity (ytd only) | 2.3424% | 4,215 |
| Net charge-offs to loans | -0.0078% | 4,436 |
| Credit loss provision to net charge-offs | -414.2857% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7913% | 3,068 |
| Assets per employee ($millions) | 3.7239% | 4,288 |
| Cash dividends to net income (ytd only)* | 85.2874% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,108 |
| Loan loss allowance to noncurrent loans | 176.8014% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 2,560 |
| Noncurrent loans to loans | 0.6209% | 2,425 |
| Net loans and leases to total assets | 76.0536% | 1,604 |
| Net loans and leases to deposits | 86.3233% | 2,234 |
| Net loans and leases to core deposits | 92.8596% | 2,334 |
| Total domestic deposits to total assets | 88.1032% | 1,252 |
| Equity capital to assets | 9.0756% | 4,517 |
| Core capital (leverage) ratio | 9.1826% | 4,474 |
| Tier 1 risk-based capital ratio | 13.2116% | 3,717 |
| Total risk-based capital ratio | 14.4405% | 3,616 |
| Memoranda: | ||
| Average total assets | $117,978,400 | 3,821 |
| Average earning assets | $108,855,000 | 3,827 |
| Average equity | $10,929,000 | 4,167 |
| Average total loans | $89,986,400 | 3,483 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 1,443 |
| Cost of funding earning assets | 0.6953% | 1,867 |
| Net interest margin | 4.0995% | 1,633 |
| Noninterest income to average assets | 0.4928% | 2,913 |
| Noninterest expense to average assets | 2.6806% | 3,028 |
| Loan and lease loss provision to assets | 0.0227% | 3,566 |
| Net operating income to assets | 1.5680% | 1,031 |
| Return on assets (ROA) | 1.5680% | 1,034 |
| Pretax return on assets | 1.5703% | 1,675 |
| Return on Equity (ROE) | 16.8404% | 563 |
| Retained earnings to average equity (ytd only) | 7.6293% | 1,834 |
| Net charge-offs to loans | -0.0283% | 4,727 |
| Credit loss provision to net charge-offs | -105.2632% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7253% | 3,388 |
| Assets per employee ($millions) | 3.6762% | 4,338 |
| Cash dividends to net income (ytd only)* | 54.6966% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,223 |
| Loan loss allowance to noncurrent loans | 163.5332% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 2,643 |
| Noncurrent loans to loans | 0.6699% | 2,403 |
| Net loans and leases to total assets | 77.4395% | 1,426 |
| Net loans and leases to deposits | 88.3907% | 2,102 |
| Net loans and leases to core deposits | 95.1436% | 2,202 |
| Total domestic deposits to total assets | 87.6104% | 1,436 |
| Equity capital to assets | 9.5079% | 4,076 |
| Core capital (leverage) ratio | 9.4748% | 4,208 |
| Tier 1 risk-based capital ratio | 13.5763% | 3,587 |
| Total risk-based capital ratio | 14.8011% | 3,511 |
| Memoranda: | ||
| Average total assets | $117,681,500 | 3,865 |
| Average earning assets | $108,530,250 | 3,867 |
| Average equity | $10,957,500 | 4,198 |
| Average total loans | $89,574,000 | 3,518 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 1,724 |
| Cost of funding earning assets | 0.6539% | 1,907 |
| Net interest margin | 3.9661% | 1,978 |
| Noninterest income to average assets | 0.5761% | 2,448 |
| Noninterest expense to average assets | 2.6611% | 3,130 |
| Loan and lease loss provision to assets | 0.0170% | 3,553 |
| Net operating income to assets | 1.5447% | 1,044 |
| Return on assets (ROA) | 1.5447% | 1,049 |
| Pretax return on assets | 1.5464% | 1,663 |
| Return on Equity (ROE) | 16.7070% | 560 |
| Retained earnings to average equity (ytd only) | 10.6785% | 744 |
| Net charge-offs to loans | -0.0338% | 4,782 |
| Credit loss provision to net charge-offs | -66.6667% | 4,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9928% | 3,479 |
| Assets per employee ($millions) | 3.6833% | 4,371 |
| Cash dividends to net income (ytd only)* | 36.0836% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,217 |
| Loan loss allowance to noncurrent loans | 142.5501% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 2,453 |
| Noncurrent loans to loans | 0.7767% | 2,182 |
| Net loans and leases to total assets | 75.3960% | 1,739 |
| Net loans and leases to deposits | 85.9706% | 2,314 |
| Net loans and leases to core deposits | 92.2077% | 2,386 |
| Total domestic deposits to total assets | 87.6997% | 1,541 |
| Equity capital to assets | 9.4505% | 4,152 |
| Core capital (leverage) ratio | 9.5592% | 4,048 |
| Tier 1 risk-based capital ratio | 13.8093% | 3,460 |
| Total risk-based capital ratio | 15.0428% | 3,378 |
| Memoranda: | ||
| Average total assets | $117,695,670 | 3,896 |
| Average earning assets | $108,266,330 | 3,906 |
| Average equity | $10,881,670 | 4,249 |
| Average total loans | $88,729,330 | 3,550 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 1,840 |
| Cost of funding earning assets | 0.6204% | 1,911 |
| Net interest margin | 3.8893% | 2,087 |
| Noninterest income to average assets | 0.5170% | 2,709 |
| Noninterest expense to average assets | 2.7481% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3264% | 1,557 |
| Return on assets (ROA) | 1.3264% | 1,563 |
| Pretax return on assets | 1.3298% | 2,249 |
| Return on Equity (ROE) | 14.5076% | 897 |
| Retained earnings to average equity (ytd only) | 14.5076% | 363 |
| Net charge-offs to loans | -0.0635% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3895% | 2,934 |
| Assets per employee ($millions) | 3.6542% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,309 |
| Loan loss allowance to noncurrent loans | 167.6320% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 2,850 |
| Noncurrent loans to loans | 0.6631% | 2,563 |
| Net loans and leases to total assets | 74.8638% | 1,732 |
| Net loans and leases to deposits | 84.0465% | 2,386 |
| Net loans and leases to core deposits | 88.7292% | 2,570 |
| Total domestic deposits to total assets | 89.0743% | 1,061 |
| Equity capital to assets | 9.3625% | 4,219 |
| Core capital (leverage) ratio | 9.1915% | 4,446 |
| Tier 1 risk-based capital ratio | 13.9987% | 3,381 |
| Total risk-based capital ratio | 15.2493% | 3,297 |
| Memoranda: | ||
| Average total assets | $117,610,000 | 3,938 |
| Average earning assets | $107,681,000 | 3,955 |
| Average equity | $10,753,000 | 4,315 |
| Average total loans | $88,163,000 | 3,585 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 1,672 |
| Cost of funding earning assets | 0.5545% | 1,914 |
| Net interest margin | 3.9576% | 1,890 |
| Noninterest income to average assets | 0.5251% | 2,848 |
| Noninterest expense to average assets | 2.7897% | 2,808 |
| Loan and lease loss provision to assets | 0.0181% | 3,937 |
| Net operating income to assets | 1.2964% | 1,230 |
| Return on assets (ROA) | 1.2964% | 1,246 |
| Pretax return on assets | 1.2990% | 2,355 |
| Return on Equity (ROE) | 14.4061% | 700 |
| Retained earnings to average equity (ytd only) | 6.5744% | 1,246 |
| Net charge-offs to loans | -0.0129% | 4,857 |
| Credit loss provision to net charge-offs | -190.9091% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9285% | 2,913 |
| Assets per employee ($millions) | 3.9428% | 4,057 |
| Cash dividends to net income (ytd only)* | 54.3638% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 3,331 |
| Loan loss allowance to noncurrent loans | 219.4570% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 3,369 |
| Noncurrent loans to loans | 0.5034% | 3,013 |
| Net loans and leases to total assets | 73.4074% | 2,022 |
| Net loans and leases to deposits | 84.3714% | 2,450 |
| Net loans and leases to core deposits | 90.5422% | 2,511 |
| Total domestic deposits to total assets | 87.0051% | 1,995 |
| Equity capital to assets | 8.9259% | 4,792 |
| Core capital (leverage) ratio | 9.0884% | 4,536 |
| Tier 1 risk-based capital ratio | 13.4027% | 3,686 |
| Total risk-based capital ratio | 14.6341% | 3,606 |
| Memoranda: | ||
| Average total assets | $115,783,000 | 3,966 |
| Average earning assets | $104,785,600 | 4,006 |
| Average equity | $10,419,200 | 4,387 |
| Average total loans | $85,129,200 | 3,632 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 1,675 |
| Cost of funding earning assets | 0.5424% | 1,946 |
| Net interest margin | 3.9476% | 1,871 |
| Noninterest income to average assets | 0.4932% | 3,064 |
| Noninterest expense to average assets | 2.6595% | 3,208 |
| Loan and lease loss provision to assets | 0.0150% | 3,841 |
| Net operating income to assets | 1.3894% | 1,114 |
| Return on assets (ROA) | 1.3894% | 1,131 |
| Pretax return on assets | 1.3917% | 2,141 |
| Return on Equity (ROE) | 15.4072% | 601 |
| Retained earnings to average equity (ytd only) | 9.2957% | 761 |
| Net charge-offs to loans | -0.0174% | 4,806 |
| Credit loss provision to net charge-offs | -118.1818% | 4,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4043% | 3,313 |
| Assets per employee ($millions) | 3.9464% | 4,079 |
| Cash dividends to net income (ytd only)* | 39.6666% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,407 |
| Loan loss allowance to noncurrent loans | 193.5614% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 3,344 |
| Noncurrent loans to loans | 0.5763% | 2,964 |
| Net loans and leases to total assets | 72.0313% | 2,248 |
| Net loans and leases to deposits | 81.6874% | 2,811 |
| Net loans and leases to core deposits | 88.2441% | 2,749 |
| Total domestic deposits to total assets | 88.1792% | 1,273 |
| Equity capital to assets | 9.0200% | 4,897 |
| Core capital (leverage) ratio | 9.1302% | 4,599 |
| Tier 1 risk-based capital ratio | 13.5770% | 3,651 |
| Total risk-based capital ratio | 14.8001% | 3,587 |
| Memoranda: | ||
| Average total assets | $115,157,500 | 4,014 |
| Average earning assets | $104,229,000 | 4,062 |
| Average equity | $10,384,500 | 4,436 |
| Average total loans | $84,461,500 | 3,674 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 1,568 |
| Cost of funding earning assets | 0.5249% | 1,962 |
| Net interest margin | 3.9568% | 1,748 |
| Noninterest income to average assets | 0.4821% | 3,135 |
| Noninterest expense to average assets | 2.6157% | 3,384 |
| Loan and lease loss provision to assets | 0.0070% | 3,784 |
| Net operating income to assets | 1.4393% | 976 |
| Return on assets (ROA) | 1.4393% | 1,006 |
| Pretax return on assets | 1.4411% | 1,854 |
| Return on Equity (ROE) | 15.9289% | 542 |
| Retained earnings to average equity (ytd only) | 11.1754% | 415 |
| Net charge-offs to loans | -0.0167% | 4,706 |
| Credit loss provision to net charge-offs | -57.1429% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3658% | 3,614 |
| Assets per employee ($millions) | 3.8503% | 4,200 |
| Cash dividends to net income (ytd only)* | 29.8417% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,461 |
| Loan loss allowance to noncurrent loans | 184.9903% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 3,336 |
| Noncurrent loans to loans | 0.6064% | 2,910 |
| Net loans and leases to total assets | 72.4227% | 2,133 |
| Net loans and leases to deposits | 82.3123% | 2,668 |
| Net loans and leases to core deposits | 89.1159% | 2,602 |
| Total domestic deposits to total assets | 87.9852% | 1,462 |
| Equity capital to assets | 9.1743% | 4,740 |
| Core capital (leverage) ratio | 9.3782% | 4,258 |
| Tier 1 risk-based capital ratio | 13.9019% | 3,474 |
| Total risk-based capital ratio | 15.1469% | 3,402 |
| Memoranda: | ||
| Average total assets | $114,079,330 | 4,059 |
| Average earning assets | $103,266,000 | 4,113 |
| Average equity | $10,308,330 | 4,468 |
| Average total loans | $83,868,000 | 3,694 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 1,461 |
| Cost of funding earning assets | 0.5198% | 1,936 |
| Net interest margin | 3.9431% | 1,631 |
| Noninterest income to average assets | 0.4658% | 3,218 |
| Noninterest expense to average assets | 2.7416% | 2,983 |
| Loan and lease loss provision to assets | 0.0141% | 3,381 |
| Net operating income to assets | 1.2667% | 1,330 |
| Return on assets (ROA) | 1.2667% | 1,364 |
| Pretax return on assets | 1.2702% | 2,345 |
| Return on Equity (ROE) | 14.1283% | 778 |
| Retained earnings to average equity (ytd only) | 11.3735% | 550 |
| Net charge-offs to loans | -0.0192% | 4,722 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0982% | 3,180 |
| Assets per employee ($millions) | 4.0765% | 3,888 |
| Cash dividends to net income (ytd only)* | 19.4986% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 3,402 |
| Loan loss allowance to noncurrent loans | 158.4590% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 3,142 |
| Noncurrent loans to loans | 0.7271% | 2,680 |
| Net loans and leases to total assets | 71.1018% | 2,205 |
| Net loans and leases to deposits | 80.7107% | 2,652 |
| Net loans and leases to core deposits | 88.3620% | 2,513 |
| Total domestic deposits to total assets | 88.0947% | 1,669 |
| Equity capital to assets | 9.0309% | 4,777 |
| Core capital (leverage) ratio | 9.0836% | 4,641 |
| Tier 1 risk-based capital ratio | 13.8826% | 3,554 |
| Total risk-based capital ratio | 15.1325% | 3,465 |
| Memoranda: | ||
| Average total assets | $113,365,000 | 4,107 |
| Average earning assets | $102,356,500 | 4,168 |
| Average equity | $10,164,000 | 4,515 |
| Average total loans | $83,500,500 | 3,731 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 1,871 |
| Cost of funding earning assets | 0.5477% | 1,711 |
| Net interest margin | 3.8361% | 2,183 |
| Noninterest income to average assets | 0.5138% | 3,141 |
| Noninterest expense to average assets | 2.5387% | 3,878 |
| Loan and lease loss provision to assets | 0.0747% | 2,856 |
| Net operating income to assets | 1.4059% | 1,000 |
| Return on assets (ROA) | 1.4059% | 1,018 |
| Pretax return on assets | 1.4086% | 1,912 |
| Return on Equity (ROE) | 15.4226% | 574 |
| Retained earnings to average equity (ytd only) | 5.8290% | 1,804 |
| Net charge-offs to loans | 0.0528% | 2,977 |
| Credit loss provision to net charge-offs | 188.3721% | 1,498 |
| Earnings coverage of net charge-offs (x) | 37.3953% | 1,232 |
| Efficiency ratio | 63.1193% | 4,087 |
| Assets per employee ($millions) | 4.0210% | 3,927 |
| Cash dividends to net income (ytd only)* | 62.2047% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 3,683 |
| Loan loss allowance to noncurrent loans | 108.8167% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 2,314 |
| Noncurrent loans to loans | 1.0153% | 2,061 |
| Net loans and leases to total assets | 74.5728% | 1,760 |
| Net loans and leases to deposits | 84.5442% | 2,356 |
| Net loans and leases to core deposits | 93.8163% | 2,125 |
| Total domestic deposits to total assets | 88.2057% | 1,530 |
| Equity capital to assets | 8.8997% | 4,911 |
| Core capital (leverage) ratio | 8.9752% | 4,766 |
| Tier 1 risk-based capital ratio | 13.4544% | 3,795 |
| Total risk-based capital ratio | 14.7045% | 3,695 |
| Memoranda: | ||
| Average total assets | $108,403,800 | 4,202 |
| Average earning assets | $99,137,600 | 4,223 |
| Average equity | $9,881,600 | 4,602 |
| Average total loans | $81,470,400 | 3,775 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,001 |
| Cost of funding earning assets | 0.5497% | 1,692 |
| Net interest margin | 3.7991% | 2,334 |
| Noninterest income to average assets | 0.5005% | 3,243 |
| Noninterest expense to average assets | 2.4528% | 4,124 |
| Loan and lease loss provision to assets | 0.0733% | 2,750 |
| Net operating income to assets | 1.4568% | 961 |
| Return on assets (ROA) | 1.4568% | 1,007 |
| Pretax return on assets | 1.4593% | 1,857 |
| Return on Equity (ROE) | 15.8826% | 559 |
| Retained earnings to average equity (ytd only) | 9.4240% | 710 |
| Net charge-offs to loans | 0.0695% | 2,325 |
| Credit loss provision to net charge-offs | 140.4762% | 1,863 |
| Earnings coverage of net charge-offs (x) | 29.3802% | 1,509 |
| Efficiency ratio | 61.5457% | 4,306 |
| Assets per employee ($millions) | 3.9408% | 4,061 |
| Cash dividends to net income (ytd only)* | 40.6647% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,892 |
| Loan loss allowance to noncurrent loans | 104.3231% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3485% | 1,397 |
| Noncurrent loans to loans | 1.0437% | 2,152 |
| Net loans and leases to total assets | 75.4944% | 1,613 |
| Net loans and leases to deposits | 85.9111% | 2,273 |
| Net loans and leases to core deposits | 95.6757% | 2,032 |
| Total domestic deposits to total assets | 87.8750% | 1,466 |
| Equity capital to assets | 9.1896% | 4,987 |
| Core capital (leverage) ratio | 9.1529% | 4,657 |
| Tier 1 risk-based capital ratio | 13.8362% | 3,645 |
| Total risk-based capital ratio | 15.0861% | 3,572 |
| Memoranda: | ||
| Average total assets | $107,357,750 | 4,249 |
| Average earning assets | $98,477,500 | 4,263 |
| Average equity | $9,847,000 | 4,647 |
| Average total loans | $80,613,500 | 3,806 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 2,277 |
| Cost of funding earning assets | 0.5440% | 1,747 |
| Net interest margin | 3.7202% | 2,615 |
| Noninterest income to average assets | 0.4851% | 3,300 |
| Noninterest expense to average assets | 2.4125% | 4,302 |
| Loan and lease loss provision to assets | 0.0451% | 3,248 |
| Net operating income to assets | 1.4460% | 974 |
| Return on assets (ROA) | 1.4460% | 1,028 |
| Pretax return on assets | 1.4479% | 1,845 |
| Return on Equity (ROE) | 15.7754% | 563 |
| Retained earnings to average equity (ytd only) | 10.9751% | 442 |
| Net charge-offs to loans | 0.1033% | 1,798 |
| Credit loss provision to net charge-offs | 58.5366% | 2,596 |
| Earnings coverage of net charge-offs (x) | 19.3659% | 1,780 |
| Efficiency ratio | 61.7718% | 4,378 |
| Assets per employee ($millions) | 3.8988% | 4,098 |
| Cash dividends to net income (ytd only)* | 30.4291% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 4,015 |
| Loan loss allowance to noncurrent loans | 122.8095% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 1,701 |
| Noncurrent loans to loans | 0.8856% | 2,522 |
| Net loans and leases to total assets | 73.5623% | 1,922 |
| Net loans and leases to deposits | 83.6789% | 2,505 |
| Net loans and leases to core deposits | 92.4183% | 2,316 |
| Total domestic deposits to total assets | 87.9102% | 1,478 |
| Equity capital to assets | 9.1411% | 5,125 |
| Core capital (leverage) ratio | 9.3135% | 4,445 |
| Tier 1 risk-based capital ratio | 14.1342% | 3,530 |
| Total risk-based capital ratio | 15.3834% | 3,443 |
| Memoranda: | ||
| Average total assets | $106,363,000 | 4,304 |
| Average earning assets | $97,791,000 | 4,310 |
| Average equity | $9,749,330 | 4,694 |
| Average total loans | $79,411,670 | 3,858 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 2,281 |
| Cost of funding earning assets | 0.5491% | 1,719 |
| Net interest margin | 3.7067% | 2,644 |
| Noninterest income to average assets | 0.4649% | 3,379 |
| Noninterest expense to average assets | 2.3933% | 4,392 |
| Loan and lease loss provision to assets | 0.0114% | 3,539 |
| Net operating income to assets | 1.4520% | 939 |
| Return on assets (ROA) | 1.4520% | 982 |
| Pretax return on assets | 1.4558% | 1,734 |
| Return on Equity (ROE) | 15.8182% | 557 |
| Retained earnings to average equity (ytd only) | 15.8182% | 199 |
| Net charge-offs to loans | -0.0051% | 4,295 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9941% | 4,442 |
| Assets per employee ($millions) | 3.7228% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 3,754 |
| Loan loss allowance to noncurrent loans | 99.2316% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3479% | 1,572 |
| Noncurrent loans to loans | 1.1617% | 2,079 |
| Net loans and leases to total assets | 74.3671% | 1,675 |
| Net loans and leases to deposits | 86.8929% | 1,957 |
| Net loans and leases to core deposits | 96.3615% | 1,760 |
| Total domestic deposits to total assets | 85.5848% | 2,873 |
| Equity capital to assets | 9.4256% | 4,744 |
| Core capital (leverage) ratio | 9.2103% | 4,588 |
| Tier 1 risk-based capital ratio | 14.4914% | 3,400 |
| Total risk-based capital ratio | 15.7421% | 3,337 |
| Memoranda: | ||
| Average total assets | $104,961,500 | 4,368 |
| Average earning assets | $96,149,500 | 4,379 |
| Average equity | $9,634,500 | 4,738 |
| Average total loans | $78,523,500 | 3,898 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 2,010 |
| Cost of funding earning assets | 0.5289% | 1,936 |
| Net interest margin | 3.8366% | 2,251 |
| Noninterest income to average assets | 0.4639% | 3,569 |
| Noninterest expense to average assets | 2.5613% | 4,038 |
| Loan and lease loss provision to assets | 0.0115% | 4,181 |
| Net operating income to assets | 1.4062% | 1,030 |
| Return on assets (ROA) | 1.4062% | 1,072 |
| Pretax return on assets | 1.4090% | 1,861 |
| Return on Equity (ROE) | 15.5518% | 605 |
| Retained earnings to average equity (ytd only) | 0.0317% | 5,495 |
| Net charge-offs to loans | 0.0202% | 3,861 |
| Credit loss provision to net charge-offs | 75.0000% | 3,036 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 616 |
| Efficiency ratio | 64.3251% | 4,194 |
| Assets per employee ($millions) | 3.7745% | 4,337 |
| Cash dividends to net income (ytd only)* | 99.7963% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,780 |
| Loan loss allowance to noncurrent loans | 101.3514% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 1,454 |
| Noncurrent loans to loans | 1.1294% | 2,082 |
| Net loans and leases to total assets | 73.5433% | 1,800 |
| Net loans and leases to deposits | 85.3474% | 2,204 |
| Net loans and leases to core deposits | 94.4273% | 2,007 |
| Total domestic deposits to total assets | 86.1694% | 2,558 |
| Equity capital to assets | 8.9359% | 5,185 |
| Core capital (leverage) ratio | 9.0177% | 4,864 |
| Tier 1 risk-based capital ratio | 13.8145% | 3,819 |
| Total risk-based capital ratio | 15.0652% | 3,745 |
| Memoranda: | ||
| Average total assets | $104,753,400 | 4,365 |
| Average earning assets | $96,048,200 | 4,390 |
| Average equity | $9,471,600 | 4,754 |
| Average total loans | $79,088,600 | 3,859 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,037 |
| Cost of funding earning assets | 0.5202% | 2,040 |
| Net interest margin | 3.8424% | 2,226 |
| Noninterest income to average assets | 0.4465% | 3,745 |
| Noninterest expense to average assets | 2.4505% | 4,345 |
| Loan and lease loss provision to assets | 0.0153% | 3,961 |
| Net operating income to assets | 1.5129% | 901 |
| Return on assets (ROA) | 1.5129% | 938 |
| Pretax return on assets | 1.5142% | 1,645 |
| Return on Equity (ROE) | 16.6829% | 505 |
| Retained earnings to average equity (ytd only) | 5.5704% | 2,542 |
| Net charge-offs to loans | 0.0269% | 3,405 |
| Credit loss provision to net charge-offs | 75.0000% | 2,680 |
| Earnings coverage of net charge-offs (x) | 74.9475% | 779 |
| Efficiency ratio | 61.5705% | 4,638 |
| Assets per employee ($millions) | 3.7292% | 4,394 |
| Cash dividends to net income (ytd only)* | 66.6108% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 3,903 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1023% | 2,150 |
| Noncurrent loans to loans | 0.6733% | 3,307 |
| Net loans and leases to total assets | 73.8091% | 1,770 |
| Net loans and leases to deposits | 86.6988% | 2,066 |
| Net loans and leases to core deposits | 96.4883% | 1,844 |
| Total domestic deposits to total assets | 85.1328% | 2,957 |
| Equity capital to assets | 9.4208% | 4,857 |
| Core capital (leverage) ratio | 9.3546% | 4,509 |
| Tier 1 risk-based capital ratio | 14.5569% | 3,526 |
| Total risk-based capital ratio | 15.8074% | 3,452 |
| Memoranda: | ||
| Average total assets | $104,520,250 | 4,413 |
| Average earning assets | $96,117,000 | 4,436 |
| Average equity | $9,478,500 | 4,812 |
| Average total loans | $79,204,500 | 3,887 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 2,017 |
| Cost of funding earning assets | 0.5111% | 2,154 |
| Net interest margin | 3.8374% | 2,181 |
| Noninterest income to average assets | 0.4074% | 4,032 |
| Noninterest expense to average assets | 2.4657% | 4,345 |
| Loan and lease loss provision to assets | 0.0230% | 3,674 |
| Net operating income to assets | 1.4500% | 991 |
| Return on assets (ROA) | 1.4500% | 1,032 |
| Pretax return on assets | 1.4519% | 1,795 |
| Return on Equity (ROE) | 16.1983% | 592 |
| Retained earnings to average equity (ytd only) | -0.6838% | 5,641 |
| Net charge-offs to loans | -0.0025% | 4,615 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5728% | 4,580 |
| Assets per employee ($millions) | 3.7668% | 4,301 |
| Cash dividends to net income (ytd only)* | 104.2216% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 4,032 |
| Loan loss allowance to noncurrent loans | 183.0339% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9396% | 2,658 |
| Noncurrent loans to loans | 0.6333% | 3,576 |
| Net loans and leases to total assets | 74.1327% | 1,639 |
| Net loans and leases to deposits | 86.4929% | 2,006 |
| Net loans and leases to core deposits | 96.0222% | 1,797 |
| Total domestic deposits to total assets | 85.7095% | 2,838 |
| Equity capital to assets | 8.9211% | 5,318 |
| Core capital (leverage) ratio | 9.0873% | 4,841 |
| Tier 1 risk-based capital ratio | 13.8514% | 4,006 |
| Total risk-based capital ratio | 15.0998% | 3,940 |
| Memoranda: | ||
| Average total assets | $104,554,330 | 4,454 |
| Average earning assets | $96,262,330 | 4,460 |
| Average equity | $9,359,000 | 4,865 |
| Average total loans | $79,616,000 | 3,897 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3475% | 1,949 |
| Cost of funding earning assets | 0.5026% | 2,262 |
| Net interest margin | 3.8449% | 2,088 |
| Noninterest income to average assets | 0.3497% | 4,400 |
| Noninterest expense to average assets | 2.3824% | 4,643 |
| Loan and lease loss provision to assets | 0.0461% | 3,001 |
| Net operating income to assets | 1.4448% | 949 |
| Return on assets (ROA) | 1.4448% | 1,009 |
| Pretax return on assets | 1.4486% | 1,727 |
| Return on Equity (ROE) | 16.1131% | 557 |
| Retained earnings to average equity (ytd only) | -9.1708% | 6,108 |
| Net charge-offs to loans | -0.0050% | 4,492 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4470% | 4,886 |
| Assets per employee ($millions) | 3.7093% | 4,502 |
| Cash dividends to net income (ytd only)* | 156.9149% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 4,250 |
| Loan loss allowance to noncurrent loans | 221.4976% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 2,901 |
| Noncurrent loans to loans | 0.5204% | 4,011 |
| Net loans and leases to total assets | 75.7163% | 1,251 |
| Net loans and leases to deposits | 88.5176% | 1,556 |
| Net loans and leases to core deposits | 98.4513% | 1,434 |
| Total domestic deposits to total assets | 85.5382% | 3,156 |
| Equity capital to assets | 8.8841% | 5,407 |
| Core capital (leverage) ratio | 8.7598% | 5,251 |
| Tier 1 risk-based capital ratio | 13.7546% | 4,185 |
| Total risk-based capital ratio | 13.7546% | 4,807 |
| Memoranda: | ||
| Average total assets | $104,097,000 | 4,497 |
| Average earning assets | $95,503,500 | 4,520 |
| Average equity | $9,334,000 | 4,909 |
| Average total loans | $79,872,000 | 3,896 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 1,876 |
| Cost of funding earning assets | 0.5250% | 2,434 |
| Net interest margin | 3.9724% | 1,967 |
| Noninterest income to average assets | 0.3748% | 4,385 |
| Noninterest expense to average assets | 2.5845% | 4,278 |
| Loan and lease loss provision to assets | 0.0423% | 3,726 |
| Net operating income to assets | 1.4079% | 1,072 |
| Return on assets (ROA) | 1.4079% | 1,099 |
| Pretax return on assets | 1.4108% | 1,851 |
| Return on Equity (ROE) | 15.5337% | 694 |
| Retained earnings to average equity (ytd only) | 3.8644% | 3,470 |
| Net charge-offs to loans | 0.0498% | 3,830 |
| Credit loss provision to net charge-offs | 110.2564% | 2,165 |
| Earnings coverage of net charge-offs (x) | 37.8718% | 1,131 |
| Efficiency ratio | 64.0107% | 4,582 |
| Assets per employee ($millions) | 3.7262% | 4,479 |
| Cash dividends to net income (ytd only)* | 75.1223% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 4,398 |
| Loan loss allowance to noncurrent loans | 232.3907% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 1.0476% | 2,648 |
| Noncurrent loans to loans | 0.4851% | 4,210 |
| Net loans and leases to total assets | 75.9906% | 1,265 |
| Net loans and leases to deposits | 87.5583% | 1,786 |
| Net loans and leases to core deposits | 97.4699% | 1,593 |
| Total domestic deposits to total assets | 86.7886% | 2,396 |
| Equity capital to assets | 9.0488% | 5,235 |
| Core capital (leverage) ratio | 9.2137% | 4,660 |
| Tier 1 risk-based capital ratio | 13.9242% | 4,146 |
| Total risk-based capital ratio | 15.1748% | 4,083 |
| Memoranda: | ||
| Average total assets | $101,644,200 | 4,556 |
| Average earning assets | $93,721,800 | 4,563 |
| Average equity | $9,212,200 | 4,920 |
| Average total loans | $78,274,000 | 3,928 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 1,953 |
| Cost of funding earning assets | 0.5243% | 2,525 |
| Net interest margin | 3.9542% | 2,021 |
| Noninterest income to average assets | 0.3592% | 4,561 |
| Noninterest expense to average assets | 2.4429% | 4,688 |
| Loan and lease loss provision to assets | 0.0568% | 3,235 |
| Net operating income to assets | 1.5106% | 917 |
| Return on assets (ROA) | 1.5106% | 949 |
| Pretax return on assets | 1.5146% | 1,599 |
| Return on Equity (ROE) | 16.6608% | 598 |
| Retained earnings to average equity (ytd only) | 4.3254% | 3,573 |
| Net charge-offs to loans | 0.0497% | 3,505 |
| Credit loss provision to net charge-offs | 148.2759% | 1,598 |
| Earnings coverage of net charge-offs (x) | 41.0300% | 1,110 |
| Efficiency ratio | 60.8553% | 5,065 |
| Assets per employee ($millions) | 3.5911% | 4,694 |
| Cash dividends to net income (ytd only)* | 74.0385% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 4,487 |
| Loan loss allowance to noncurrent loans | 137.2372% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 2,600 |
| Noncurrent loans to loans | 0.8395% | 3,474 |
| Net loans and leases to total assets | 77.9885% | 963 |
| Net loans and leases to deposits | 90.2800% | 1,398 |
| Net loans and leases to core deposits | 101.0033% | 1,293 |
| Total domestic deposits to total assets | 86.3852% | 2,652 |
| Equity capital to assets | 9.3305% | 5,002 |
| Core capital (leverage) ratio | 9.1383% | 4,875 |
| Tier 1 risk-based capital ratio | 14.1919% | 4,086 |
| Total risk-based capital ratio | 15.4429% | 4,016 |
| Memoranda: | ||
| Average total assets | $100,971,750 | 4,623 |
| Average earning assets | $93,333,750 | 4,614 |
| Average equity | $9,155,000 | 4,970 |
| Average total loans | $77,795,500 | 3,969 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 2,088 |
| Cost of funding earning assets | 0.5214% | 2,626 |
| Net interest margin | 3.9031% | 2,152 |
| Noninterest income to average assets | 0.3758% | 4,439 |
| Noninterest expense to average assets | 2.4666% | 4,678 |
| Loan and lease loss provision to assets | 0.0851% | 2,607 |
| Net operating income to assets | 1.4182% | 1,024 |
| Return on assets (ROA) | 1.4182% | 1,065 |
| Pretax return on assets | 1.4222% | 1,812 |
| Return on Equity (ROE) | 15.7941% | 675 |
| Retained earnings to average equity (ytd only) | 1.2115% | 5,269 |
| Net charge-offs to loans | 0.0388% | 3,447 |
| Credit loss provision to net charge-offs | 286.6667% | 890 |
| Earnings coverage of net charge-offs (x) | 50.8000% | 902 |
| Efficiency ratio | 62.0707% | 4,995 |
| Assets per employee ($millions) | 3.6657% | 4,517 |
| Cash dividends to net income (ytd only)* | 92.3291% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 4,545 |
| Loan loss allowance to noncurrent loans | 122.4274% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2666% | 2,579 |
| Noncurrent loans to loans | 0.9586% | 3,324 |
| Net loans and leases to total assets | 76.1341% | 1,143 |
| Net loans and leases to deposits | 87.6015% | 1,641 |
| Net loans and leases to core deposits | 96.6136% | 1,554 |
| Total domestic deposits to total assets | 86.9096% | 2,504 |
| Equity capital to assets | 8.9049% | 5,401 |
| Core capital (leverage) ratio | 8.9923% | 5,028 |
| Tier 1 risk-based capital ratio | 13.8181% | 4,379 |
| Total risk-based capital ratio | 15.0669% | 4,331 |
| Memoranda: | ||
| Average total assets | $101,111,670 | 4,658 |
| Average earning assets | $93,208,000 | 4,654 |
| Average equity | $9,079,330 | 5,009 |
| Average total loans | $77,283,000 | 3,994 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 2,219 |
| Cost of funding earning assets | 0.5210% | 2,703 |
| Net interest margin | 3.8595% | 2,231 |
| Noninterest income to average assets | 0.4704% | 3,626 |
| Noninterest expense to average assets | 2.4116% | 4,893 |
| Loan and lease loss provision to assets | 0.1076% | 2,136 |
| Net operating income to assets | 1.4908% | 836 |
| Return on assets (ROA) | 1.4908% | 863 |
| Pretax return on assets | 1.4948% | 1,439 |
| Return on Equity (ROE) | 16.5322% | 585 |
| Retained earnings to average equity (ytd only) | -3.1827% | 5,980 |
| Net charge-offs to loans | 0.0367% | 2,874 |
| Credit loss provision to net charge-offs | 385.7143% | 667 |
| Earnings coverage of net charge-offs (x) | 57.4286% | 678 |
| Efficiency ratio | 60.0794% | 5,396 |
| Assets per employee ($millions) | 3.5647% | 4,798 |
| Cash dividends to net income (ytd only)* | 119.2513% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 4,628 |
| Loan loss allowance to noncurrent loans | 163.7011% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 1.3946% | 2,548 |
| Noncurrent loans to loans | 0.7343% | 4,029 |
| Net loans and leases to total assets | 75.7554% | 1,032 |
| Net loans and leases to deposits | 86.2808% | 1,565 |
| Net loans and leases to core deposits | 94.7258% | 1,490 |
| Total domestic deposits to total assets | 87.8011% | 2,346 |
| Equity capital to assets | 9.0300% | 5,088 |
| Core capital (leverage) ratio | 8.9250% | 5,107 |
| Tier 1 risk-based capital ratio | 14.0793% | 4,276 |
| Total risk-based capital ratio | 15.3321% | 4,218 |
| Memoranda: | ||
| Average total assets | $100,347,500 | 4,725 |
| Average earning assets | $92,137,000 | 4,724 |
| Average equity | $9,049,000 | 5,039 |
| Average total loans | $76,388,500 | 4,050 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 2,413 |
| Cost of funding earning assets | 0.6371% | 2,322 |
| Net interest margin | 3.8083% | 2,628 |
| Noninterest income to average assets | 0.3575% | 4,742 |
| Noninterest expense to average assets | 2.5097% | 4,737 |
| Loan and lease loss provision to assets | 0.0795% | 3,518 |
| Net operating income to assets | 1.2653% | 1,346 |
| Return on assets (ROA) | 1.2653% | 1,402 |
| Pretax return on assets | 1.2653% | 2,292 |
| Return on Equity (ROE) | 13.9138% | 970 |
| Retained earnings to average equity (ytd only) | -10.9869% | 6,552 |
| Net charge-offs to loans | 0.1719% | 3,107 |
| Credit loss provision to net charge-offs | 61.5385% | 3,513 |
| Earnings coverage of net charge-offs (x) | 10.4154% | 2,370 |
| Efficiency ratio | 65.1121% | 4,710 |
| Assets per employee ($millions) | 3.7364% | 4,393 |
| Cash dividends to net income (ytd only)* | 178.9639% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 4,752 |
| Loan loss allowance to noncurrent loans | 162.1622% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.2956% | 2,833 |
| Noncurrent loans to loans | 0.7279% | 4,142 |
| Net loans and leases to total assets | 74.6845% | 1,257 |
| Net loans and leases to deposits | 84.6657% | 1,841 |
| Net loans and leases to core deposits | 92.5238% | 1,728 |
| Total domestic deposits to total assets | 88.2111% | 2,048 |
| Equity capital to assets | 9.0055% | 5,029 |
| Core capital (leverage) ratio | 9.0255% | 4,957 |
| Tier 1 risk-based capital ratio | 14.3157% | 4,075 |
| Total risk-based capital ratio | 15.5684% | 4,015 |
| Memoranda: | ||
| Average total assets | $100,691,200 | 4,722 |
| Average earning assets | $92,456,200 | 4,712 |
| Average equity | $9,156,400 | 5,050 |
| Average total loans | $75,626,600 | 4,071 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 2,480 |
| Cost of funding earning assets | 0.6591% | 2,276 |
| Net interest margin | 3.7759% | 2,728 |
| Noninterest income to average assets | 0.3683% | 4,758 |
| Noninterest expense to average assets | 2.3674% | 5,126 |
| Loan and lease loss provision to assets | 0.0967% | 3,146 |
| Net operating income to assets | 1.3738% | 1,165 |
| Return on assets (ROA) | 1.3738% | 1,210 |
| Pretax return on assets | 1.3725% | 2,027 |
| Return on Equity (ROE) | 15.0708% | 789 |
| Retained earnings to average equity (ytd only) | -15.6667% | 6,713 |
| Net charge-offs to loans | 0.1996% | 2,639 |
| Credit loss provision to net charge-offs | 64.6018% | 3,190 |
| Earnings coverage of net charge-offs (x) | 9.8144% | 2,433 |
| Efficiency ratio | 61.7058% | 5,178 |
| Assets per employee ($millions) | 3.6472% | 4,566 |
| Cash dividends to net income (ytd only)* | 203.9541% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 4,754 |
| Loan loss allowance to noncurrent loans | 115.4822% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3112% | 3,028 |
| Noncurrent loans to loans | 1.0631% | 3,676 |
| Net loans and leases to total assets | 71.6914% | 1,652 |
| Net loans and leases to deposits | 80.5909% | 2,326 |
| Net loans and leases to core deposits | 90.0716% | 1,957 |
| Total domestic deposits to total assets | 88.9572% | 1,575 |
| Equity capital to assets | 8.8258% | 5,392 |
| Core capital (leverage) ratio | 8.8055% | 5,407 |
| Tier 1 risk-based capital ratio | 14.5658% | 4,035 |
| Total risk-based capital ratio | 15.8182% | 3,988 |
| Memoranda: | ||
| Average total assets | $100,643,250 | 4,770 |
| Average earning assets | $92,443,500 | 4,759 |
| Average equity | $9,174,250 | 5,096 |
| Average total loans | $75,472,250 | 4,102 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 2,301 |
| Cost of funding earning assets | 0.6801% | 2,222 |
| Net interest margin | 3.7906% | 2,589 |
| Noninterest income to average assets | 0.4453% | 4,199 |
| Noninterest expense to average assets | 2.3505% | 5,208 |
| Loan and lease loss provision to assets | 0.0979% | 3,159 |
| Net operating income to assets | 1.4738% | 946 |
| Return on assets (ROA) | 1.4738% | 1,020 |
| Pretax return on assets | 1.4698% | 1,715 |
| Return on Equity (ROE) | 15.9948% | 670 |
| Retained earnings to average equity (ytd only) | -26.3979% | 6,832 |
| Net charge-offs to loans | 0.2160% | 2,465 |
| Credit loss provision to net charge-offs | 59.7561% | 3,022 |
| Earnings coverage of net charge-offs (x) | 9.5732% | 2,263 |
| Efficiency ratio | 59.9898% | 5,488 |
| Assets per employee ($millions) | 3.7421% | 4,318 |
| Cash dividends to net income (ytd only)* | 265.0407% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 4,880 |
| Loan loss allowance to noncurrent loans | 98.2851% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.6390% | 2,647 |
| Noncurrent loans to loans | 1.2423% | 3,472 |
| Net loans and leases to total assets | 73.4236% | 1,340 |
| Net loans and leases to deposits | 82.5020% | 1,994 |
| Net loans and leases to core deposits | 92.5993% | 1,646 |
| Total domestic deposits to total assets | 88.9961% | 1,635 |
| Equity capital to assets | 8.7819% | 5,461 |
| Core capital (leverage) ratio | 8.9094% | 5,129 |
| Tier 1 risk-based capital ratio | 14.0741% | 4,371 |
| Total risk-based capital ratio | 15.3271% | 4,331 |
| Memoranda: | ||
| Average total assets | $100,150,670 | 4,808 |
| Average earning assets | $91,754,330 | 4,802 |
| Average equity | $9,228,000 | 5,120 |
| Average total loans | $75,922,330 | 4,107 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 2,117 |
| Cost of funding earning assets | 0.7083% | 2,135 |
| Net interest margin | 3.8057% | 2,426 |
| Noninterest income to average assets | 0.4373% | 4,200 |
| Noninterest expense to average assets | 2.2747% | 5,491 |
| Loan and lease loss provision to assets | 0.1083% | 2,889 |
| Net operating income to assets | 1.5245% | 816 |
| Return on assets (ROA) | 1.5245% | 891 |
| Pretax return on assets | 1.5245% | 1,505 |
| Return on Equity (ROE) | 16.1608% | 591 |
| Retained earnings to average equity (ytd only) | -58.3063% | 6,973 |
| Net charge-offs to loans | 0.2148% | 2,133 |
| Credit loss provision to net charge-offs | 65.8537% | 2,347 |
| Earnings coverage of net charge-offs (x) | 9.9268% | 1,792 |
| Efficiency ratio | 58.2136% | 5,821 |
| Assets per employee ($millions) | 3.6567% | 4,656 |
| Cash dividends to net income (ytd only)* | 460.7895% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 5,053 |
| Loan loss allowance to noncurrent loans | 82.0333% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.9082% | 2,468 |
| Noncurrent loans to loans | 1.4979% | 3,311 |
| Net loans and leases to total assets | 76.2068% | 814 |
| Net loans and leases to deposits | 85.6517% | 1,390 |
| Net loans and leases to core deposits | 93.5855% | 1,373 |
| Total domestic deposits to total assets | 88.9730% | 1,699 |
| Equity capital to assets | 8.8322% | 5,686 |
| Core capital (leverage) ratio | 8.7412% | 5,270 |
| Tier 1 risk-based capital ratio | 13.8966% | 4,581 |
| Total risk-based capital ratio | 15.1492% | 4,536 |
| Memoranda: | ||
| Average total assets | $99,707,500 | 4,873 |
| Average earning assets | $90,916,000 | 4,870 |
| Average equity | $9,405,500 | 5,131 |
| Average total loans | $76,332,500 | 4,124 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 3,159 |
| Cost of funding earning assets | 0.9039% | 1,913 |
| Net interest margin | 3.6584% | 3,838 |
| Noninterest income to average assets | 0.3756% | 4,788 |
| Noninterest expense to average assets | 2.2911% | 5,711 |
| Loan and lease loss provision to assets | 0.1709% | 3,483 |
| Net operating income to assets | 1.2826% | 1,360 |
| Return on assets (ROA) | 1.2826% | 1,507 |
| Pretax return on assets | 1.2807% | 2,489 |
| Return on Equity (ROE) | 13.9019% | 1,007 |
| Retained earnings to average equity (ytd only) | 5.5363% | 2,356 |
| Net charge-offs to loans | 0.3747% | 2,756 |
| Credit loss provision to net charge-offs | 62.1160% | 4,390 |
| Earnings coverage of net charge-offs (x) | 5.2765% | 3,085 |
| Efficiency ratio | 61.2142% | 5,355 |
| Assets per employee ($millions) | 3.8725% | 4,220 |
| Cash dividends to net income (ytd only)* | 60.1757% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 4,916 |
| Loan loss allowance to noncurrent loans | 89.5382% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.7490% | 2,774 |
| Noncurrent loans to loans | 1.3871% | 3,521 |
| Net loans and leases to total assets | 75.0261% | 1,044 |
| Net loans and leases to deposits | 86.0963% | 1,502 |
| Net loans and leases to core deposits | 93.7814% | 1,485 |
| Total domestic deposits to total assets | 87.1421% | 2,748 |
| Equity capital to assets | 10.0223% | 4,136 |
| Core capital (leverage) ratio | 9.8235% | 3,637 |
| Tier 1 risk-based capital ratio | 16.0649% | 3,128 |
| Total risk-based capital ratio | 17.3178% | 3,079 |
| Memoranda: | ||
| Average total assets | $106,500,400 | 4,666 |
| Average earning assets | $98,020,400 | 4,635 |
| Average equity | $9,826,000 | 5,013 |
| Average total loans | $78,201,400 | 4,088 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 3,582 |
| Cost of funding earning assets | 0.9272% | 1,999 |
| Net interest margin | 3.5860% | 4,291 |
| Noninterest income to average assets | 0.3372% | 5,108 |
| Noninterest expense to average assets | 2.1169% | 6,131 |
| Loan and lease loss provision to assets | 0.1939% | 3,153 |
| Net operating income to assets | 1.3437% | 1,341 |
| Return on assets (ROA) | 1.3437% | 1,486 |
| Pretax return on assets | 1.3413% | 2,445 |
| Return on Equity (ROE) | 14.8634% | 931 |
| Retained earnings to average equity (ytd only) | 6.9672% | 2,153 |
| Net charge-offs to loans | 0.4646% | 2,247 |
| Credit loss provision to net charge-offs | 57.2993% | 4,227 |
| Earnings coverage of net charge-offs (x) | 4.5365% | 3,279 |
| Efficiency ratio | 57.9642% | 5,796 |
| Assets per employee ($millions) | 4.2187% | 3,430 |
| Cash dividends to net income (ytd only)* | 53.1252% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 5,277 |
| Loan loss allowance to noncurrent loans | 69.0058% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.6101% | 3,180 |
| Noncurrent loans to loans | 1.7399% | 3,175 |
| Net loans and leases to total assets | 70.8222% | 1,757 |
| Net loans and leases to deposits | 82.1215% | 2,103 |
| Net loans and leases to core deposits | 88.1358% | 2,201 |
| Total domestic deposits to total assets | 86.2407% | 3,125 |
| Equity capital to assets | 9.1689% | 5,631 |
| Core capital (leverage) ratio | 9.1985% | 4,767 |
| Tier 1 risk-based capital ratio | 15.1962% | 3,708 |
| Total risk-based capital ratio | 16.4488% | 3,653 |
| Memoranda: | ||
| Average total assets | $107,954,250 | 4,688 |
| Average earning assets | $99,793,250 | 4,649 |
| Average equity | $9,759,750 | 5,088 |
| Average total loans | $78,629,250 | 4,122 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 3,483 |
| Cost of funding earning assets | 0.9645% | 1,968 |
| Net interest margin | 3.6053% | 4,238 |
| Noninterest income to average assets | 0.3036% | 5,379 |
| Noninterest expense to average assets | 2.2090% | 5,980 |
| Loan and lease loss provision to assets | 0.2198% | 2,880 |
| Net operating income to assets | 1.1995% | 1,722 |
| Return on assets (ROA) | 1.1995% | 1,918 |
| Pretax return on assets | 1.1958% | 2,943 |
| Return on Equity (ROE) | 13.3324% | 1,275 |
| Retained earnings to average equity (ytd only) | 4.6788% | 3,500 |
| Net charge-offs to loans | 0.4451% | 2,270 |
| Credit loss provision to net charge-offs | 67.4286% | 3,625 |
| Earnings coverage of net charge-offs (x) | 4.3429% | 3,116 |
| Efficiency ratio | 60.9455% | 5,430 |
| Assets per employee ($millions) | 4.3414% | 3,182 |
| Cash dividends to net income (ytd only)* | 64.9068% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 4,999 |
| Loan loss allowance to noncurrent loans | 72.4387% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.5239% | 3,415 |
| Noncurrent loans to loans | 1.7634% | 3,258 |
| Net loans and leases to total assets | 71.4921% | 1,644 |
| Net loans and leases to deposits | 82.7652% | 2,014 |
| Net loans and leases to core deposits | 88.8790% | 2,113 |
| Total domestic deposits to total assets | 86.3795% | 3,148 |
| Equity capital to assets | 9.0045% | 5,696 |
| Core capital (leverage) ratio | 9.2944% | 4,461 |
| Tier 1 risk-based capital ratio | 14.9208% | 3,820 |
| Total risk-based capital ratio | 16.1743% | 3,765 |
| Memoranda: | ||
| Average total assets | $107,377,000 | 4,732 |
| Average earning assets | $98,910,000 | 4,697 |
| Average equity | $9,660,670 | 5,119 |
| Average total loans | $78,630,330 | 4,137 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 3,286 |
| Cost of funding earning assets | 0.9857% | 2,066 |
| Net interest margin | 3.6604% | 4,004 |
| Noninterest income to average assets | 0.3633% | 4,969 |
| Noninterest expense to average assets | 2.1161% | 6,242 |
| Loan and lease loss provision to assets | 0.3109% | 2,025 |
| Net operating income to assets | 1.2959% | 1,469 |
| Return on assets (ROA) | 1.2959% | 1,639 |
| Pretax return on assets | 1.2884% | 2,581 |
| Return on Equity (ROE) | 14.4099% | 1,103 |
| Retained earnings to average equity (ytd only) | 4.7894% | 3,683 |
| Net charge-offs to loans | 0.0051% | 4,683 |
| Credit loss provision to net charge-offs | 8,300.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 64 |
| Efficiency ratio | 56.9556% | 6,034 |
| Assets per employee ($millions) | 4.1731% | 3,638 |
| Cash dividends to net income (ytd only)* | 66.7630% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 4,323 |
| Loan loss allowance to noncurrent loans | 79.9301% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.5650% | 3,516 |
| Noncurrent loans to loans | 1.8302% | 3,367 |
| Net loans and leases to total assets | 70.9579% | 1,581 |
| Net loans and leases to deposits | 83.3018% | 1,751 |
| Net loans and leases to core deposits | 89.8042% | 1,867 |
| Total domestic deposits to total assets | 85.1817% | 3,947 |
| Equity capital to assets | 8.9050% | 5,634 |
| Core capital (leverage) ratio | 9.0697% | 4,729 |
| Tier 1 risk-based capital ratio | 14.9308% | 3,799 |
| Total risk-based capital ratio | 16.1856% | 3,761 |
| Memoranda: | ||
| Average total assets | $106,798,000 | 4,777 |
| Average earning assets | $97,802,500 | 4,760 |
| Average equity | $9,604,500 | 5,144 |
| Average total loans | $78,646,500 | 4,164 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 2,380 |
| Cost of funding earning assets | 1.2538% | 1,709 |
| Net interest margin | 3.8647% | 3,493 |
| Noninterest income to average assets | 0.3908% | 4,693 |
| Noninterest expense to average assets | 2.2733% | 6,106 |
| Loan and lease loss provision to assets | 0.2779% | 3,441 |
| Net operating income to assets | 1.4107% | 1,010 |
| Return on assets (ROA) | 1.4107% | 1,087 |
| Pretax return on assets | 1.4146% | 1,733 |
| Return on Equity (ROE) | 16.7668% | 498 |
| Retained earnings to average equity (ytd only) | 2.4657% | 4,466 |
| Net charge-offs to loans | 0.4199% | 3,328 |
| Credit loss provision to net charge-offs | 85.7143% | 4,210 |
| Earnings coverage of net charge-offs (x) | 5.2202% | 2,861 |
| Efficiency ratio | 57.3236% | 6,143 |
| Assets per employee ($millions) | 4.0421% | 3,761 |
| Cash dividends to net income (ytd only)* | 85.2941% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 4,708 |
| Loan loss allowance to noncurrent loans | 85.7027% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.6709% | 3,446 |
| Noncurrent loans to loans | 1.5639% | 3,818 |
| Net loans and leases to total assets | 74.3128% | 1,213 |
| Net loans and leases to deposits | 88.2435% | 1,351 |
| Net loans and leases to core deposits | 95.4510% | 1,546 |
| Total domestic deposits to total assets | 84.2133% | 4,232 |
| Equity capital to assets | 9.0842% | 5,439 |
| Core capital (leverage) ratio | 9.1987% | 4,471 |
| Tier 1 risk-based capital ratio | 14.6104% | 3,896 |
| Total risk-based capital ratio | 15.8653% | 3,869 |
| Memoranda: | ||
| Average total assets | $103,636,200 | 4,803 |
| Average earning assets | $95,866,800 | 4,757 |
| Average equity | $8,719,600 | 5,355 |
| Average total loans | $80,014,200 | 4,139 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 2,358 |
| Cost of funding earning assets | 1.2936% | 1,736 |
| Net interest margin | 3.8628% | 3,560 |
| Noninterest income to average assets | 0.4261% | 4,469 |
| Noninterest expense to average assets | 2.1238% | 6,464 |
| Loan and lease loss provision to assets | 0.3331% | 2,883 |
| Net operating income to assets | 1.5544% | 839 |
| Return on assets (ROA) | 1.5544% | 914 |
| Pretax return on assets | 1.5583% | 1,490 |
| Return on Equity (ROE) | 18.8575% | 396 |
| Retained earnings to average equity (ytd only) | 8.7710% | 1,229 |
| Net charge-offs to loans | 0.1944% | 4,247 |
| Credit loss provision to net charge-offs | 220.5128% | 1,294 |
| Earnings coverage of net charge-offs (x) | 12.5210% | 1,700 |
| Efficiency ratio | 52.8939% | 6,605 |
| Assets per employee ($millions) | 4.0644% | 3,705 |
| Cash dividends to net income (ytd only)* | 53.4888% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 3,861 |
| Loan loss allowance to noncurrent loans | 156.6416% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.4119% | 4,012 |
| Noncurrent loans to loans | 0.9940% | 4,903 |
| Net loans and leases to total assets | 74.7894% | 1,183 |
| Net loans and leases to deposits | 88.3188% | 1,393 |
| Net loans and leases to core deposits | 96.0210% | 1,607 |
| Total domestic deposits to total assets | 84.6812% | 3,926 |
| Equity capital to assets | 8.0360% | 6,676 |
| Core capital (leverage) ratio | 8.1003% | 6,281 |
| Tier 1 risk-based capital ratio | 12.7355% | 5,304 |
| Total risk-based capital ratio | 13.9937% | 5,277 |
| Memoranda: | ||
| Average total assets | $103,271,500 | 4,835 |
| Average earning assets | $95,954,750 | 4,778 |
| Average equity | $8,512,750 | 5,428 |
| Average total loans | $80,227,750 | 4,163 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 2,403 |
| Cost of funding earning assets | 1.3325% | 1,745 |
| Net interest margin | 3.8311% | 3,639 |
| Noninterest income to average assets | 0.4235% | 4,479 |
| Noninterest expense to average assets | 2.0572% | 6,680 |
| Loan and lease loss provision to assets | 0.3279% | 2,823 |
| Net operating income to assets | 1.5868% | 753 |
| Return on assets (ROA) | 1.5868% | 796 |
| Pretax return on assets | 1.5907% | 1,272 |
| Return on Equity (ROE) | 19.0852% | 378 |
| Retained earnings to average equity (ytd only) | 8.7797% | 1,181 |
| Net charge-offs to loans | 0.0773% | 4,866 |
| Credit loss provision to net charge-offs | 541.9355% | 567 |
| Earnings coverage of net charge-offs (x) | 31.7097% | 884 |
| Efficiency ratio | 51.7428% | 6,807 |
| Assets per employee ($millions) | 4.2221% | 3,311 |
| Cash dividends to net income (ytd only)* | 53.9975% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 3,904 |
| Loan loss allowance to noncurrent loans | 83.6803% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6949% | 3,647 |
| Noncurrent loans to loans | 1.8535% | 3,674 |
| Net loans and leases to total assets | 74.9282% | 1,252 |
| Net loans and leases to deposits | 88.6797% | 1,408 |
| Net loans and leases to core deposits | 92.4380% | 2,080 |
| Total domestic deposits to total assets | 84.4931% | 4,123 |
| Equity capital to assets | 8.2480% | 6,474 |
| Core capital (leverage) ratio | 8.6731% | 5,267 |
| Tier 1 risk-based capital ratio | 13.2671% | 4,713 |
| Total risk-based capital ratio | 14.5258% | 4,683 |
| Memoranda: | ||
| Average total assets | $102,470,670 | 4,889 |
| Average earning assets | $95,012,000 | 4,844 |
| Average equity | $8,519,670 | 5,450 |
| Average total loans | $80,209,330 | 4,203 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 1,842 |
| Cost of funding earning assets | 1.3886% | 1,672 |
| Net interest margin | 3.9208% | 3,041 |
| Noninterest income to average assets | 0.4082% | 4,644 |
| Noninterest expense to average assets | 2.0688% | 6,696 |
| Loan and lease loss provision to assets | 0.3091% | 2,694 |
| Net operating income to assets | 1.6407% | 631 |
| Return on assets (ROA) | 1.6407% | 669 |
| Pretax return on assets | 1.6447% | 1,092 |
| Return on Equity (ROE) | 19.6523% | 353 |
| Retained earnings to average equity (ytd only) | 8.9717% | 1,388 |
| Net charge-offs to loans | -0.0100% | 6,364 |
| Credit loss provision to net charge-offs | -3,900.0000% | 6,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4286% | 6,896 |
| Assets per employee ($millions) | 4.1641% | 3,510 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 4,252 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.4419% | 4,108 |
| Noncurrent loans to loans | 1.4918% | 4,234 |
| Net loans and leases to total assets | 78.5617% | 669 |
| Net loans and leases to deposits | 92.0153% | 1,021 |
| Net loans and leases to core deposits | 102.2584% | 1,182 |
| Total domestic deposits to total assets | 85.3789% | 3,848 |
| Equity capital to assets | 8.5263% | 5,870 |
| Core capital (leverage) ratio | 8.5442% | 5,362 |
| Tier 1 risk-based capital ratio | 13.3740% | 4,525 |
| Total risk-based capital ratio | 14.6312% | 4,501 |
| Memoranda: | ||
| Average total assets | $100,929,500 | 4,981 |
| Average earning assets | $93,043,000 | 4,941 |
| Average equity | $8,426,500 | 5,478 |
| Average total loans | $80,146,500 | 4,247 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5851% | 1,959 |
| Cost of funding earning assets | 1.6638% | 1,760 |
| Net interest margin | 3.9214% | 3,393 |
| Noninterest income to average assets | 0.4050% | 4,873 |
| Noninterest expense to average assets | 2.2675% | 6,439 |
| Loan and lease loss provision to assets | 0.1951% | 5,281 |
| Net operating income to assets | 1.5655% | 664 |
| Return on assets (ROA) | 1.5655% | 724 |
| Pretax return on assets | 1.5714% | 1,206 |
| Return on Equity (ROE) | 19.7206% | 272 |
| Retained earnings to average equity (ytd only) | 8.3198% | 883 |
| Net charge-offs to loans | 0.1923% | 5,147 |
| Credit loss provision to net charge-offs | 127.0968% | 3,180 |
| Earnings coverage of net charge-offs (x) | 11.5097% | 1,602 |
| Efficiency ratio | 56.2101% | 6,576 |
| Assets per employee ($millions) | 4.2467% | 3,297 |
| Cash dividends to net income (ytd only)* | 57.8115% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 4,629 |
| Loan loss allowance to noncurrent loans | 84.1426% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 3,812 |
| Noncurrent loans to loans | 1.6354% | 4,048 |
| Net loans and leases to total assets | 77.9839% | 946 |
| Net loans and leases to deposits | 92.4661% | 1,213 |
| Net loans and leases to core deposits | 104.0640% | 1,306 |
| Total domestic deposits to total assets | 84.3379% | 4,207 |
| Equity capital to assets | 8.1750% | 6,290 |
| Core capital (leverage) ratio | 8.1697% | 5,876 |
| Tier 1 risk-based capital ratio | 13.0686% | 4,549 |
| Total risk-based capital ratio | 14.3249% | 4,500 |
| Memoranda: | ||
| Average total assets | $100,990,600 | 4,956 |
| Average earning assets | $93,462,400 | 4,905 |
| Average equity | $8,017,000 | 5,709 |
| Average total loans | $80,619,400 | 4,323 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 2,037 |
| Cost of funding earning assets | 1.7132% | 1,804 |
| Net interest margin | 3.8928% | 3,559 |
| Noninterest income to average assets | 0.4301% | 4,718 |
| Noninterest expense to average assets | 2.1278% | 6,789 |
| Loan and lease loss provision to assets | 0.2011% | 5,038 |
| Net operating income to assets | 1.7189% | 598 |
| Return on assets (ROA) | 1.7189% | 652 |
| Pretax return on assets | 1.7242% | 1,068 |
| Return on Equity (ROE) | 21.8179% | 206 |
| Retained earnings to average equity (ytd only) | 9.4729% | 915 |
| Net charge-offs to loans | 0.0910% | 5,611 |
| Credit loss provision to net charge-offs | 276.3636% | 1,184 |
| Earnings coverage of net charge-offs (x) | 26.4551% | 959 |
| Efficiency ratio | 52.4976% | 6,934 |
| Assets per employee ($millions) | 4.0926% | 3,653 |
| Cash dividends to net income (ytd only)* | 56.5821% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 4,225 |
| Loan loss allowance to noncurrent loans | 97.8151% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.4641% | 4,256 |
| Noncurrent loans to loans | 1.4786% | 4,415 |
| Net loans and leases to total assets | 77.5253% | 1,118 |
| Net loans and leases to deposits | 91.8141% | 1,472 |
| Net loans and leases to core deposits | 105.3554% | 1,374 |
| Total domestic deposits to total assets | 84.4373% | 3,903 |
| Equity capital to assets | 8.0428% | 6,763 |
| Core capital (leverage) ratio | 8.0947% | 6,205 |
| Tier 1 risk-based capital ratio | 12.8598% | 4,684 |
| Total risk-based capital ratio | 14.1163% | 4,670 |
| Memoranda: | ||
| Average total assets | $100,758,000 | 5,020 |
| Average earning assets | $93,778,500 | 4,956 |
| Average equity | $7,938,250 | 5,809 |
| Average total loans | $80,626,500 | 4,398 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6239% | 2,050 |
| Cost of funding earning assets | 1.7667% | 1,786 |
| Net interest margin | 3.8572% | 3,645 |
| Noninterest income to average assets | 0.4589% | 4,444 |
| Noninterest expense to average assets | 2.1010% | 6,905 |
| Loan and lease loss provision to assets | 0.2175% | 4,711 |
| Net operating income to assets | 1.7239% | 562 |
| Return on assets (ROA) | 1.7239% | 615 |
| Pretax return on assets | 1.7299% | 1,001 |
| Return on Equity (ROE) | 22.0371% | 210 |
| Retained earnings to average equity (ytd only) | 9.1056% | 1,074 |
| Net charge-offs to loans | 0.0967% | 5,179 |
| Credit loss provision to net charge-offs | 279.4872% | 1,331 |
| Earnings coverage of net charge-offs (x) | 25.0256% | 1,048 |
| Efficiency ratio | 51.8975% | 7,081 |
| Assets per employee ($millions) | 4.0395% | 3,697 |
| Cash dividends to net income (ytd only)* | 58.6806% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 4,353 |
| Loan loss allowance to noncurrent loans | 101.4273% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 4,157 |
| Noncurrent loans to loans | 1.3955% | 4,611 |
| Net loans and leases to total assets | 78.4182% | 1,040 |
| Net loans and leases to deposits | 92.8896% | 1,404 |
| Net loans and leases to core deposits | 108.8983% | 1,238 |
| Total domestic deposits to total assets | 84.4209% | 3,905 |
| Equity capital to assets | 7.9435% | 6,811 |
| Core capital (leverage) ratio | 7.8907% | 6,393 |
| Tier 1 risk-based capital ratio | 12.5414% | 4,817 |
| Total risk-based capital ratio | 13.7984% | 4,791 |
| Memoranda: | ||
| Average total assets | $100,239,000 | 5,069 |
| Average earning assets | $93,281,000 | 5,010 |
| Average equity | $7,841,330 | 5,859 |
| Average total loans | $80,674,000 | 4,427 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6852% | 1,832 |
| Cost of funding earning assets | 1.8260% | 1,768 |
| Net interest margin | 3.8592% | 3,514 |
| Noninterest income to average assets | 0.4326% | 4,636 |
| Noninterest expense to average assets | 2.1509% | 6,804 |
| Loan and lease loss provision to assets | 0.1762% | 4,760 |
| Net operating income to assets | 1.6783% | 642 |
| Return on assets (ROA) | 1.6783% | 693 |
| Pretax return on assets | 1.6863% | 1,086 |
| Return on Equity (ROE) | 21.6230% | 291 |
| Retained earnings to average equity (ytd only) | 8.8763% | 1,432 |
| Net charge-offs to loans | 0.1039% | 4,380 |
| Credit loss provision to net charge-offs | 209.5238% | 1,775 |
| Earnings coverage of net charge-offs (x) | 22.1429% | 1,102 |
| Efficiency ratio | 53.5928% | 7,013 |
| Assets per employee ($millions) | 4.0541% | 3,747 |
| Cash dividends to net income (ytd only)* | 58.9499% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,685 |
| Loan loss allowance to noncurrent loans | 128.2353% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 4,836 |
| Noncurrent loans to loans | 1.0517% | 5,240 |
| Net loans and leases to total assets | 78.6684% | 1,029 |
| Net loans and leases to deposits | 92.8715% | 1,490 |
| Net loans and leases to core deposits | 110.3175% | 1,251 |
| Total domestic deposits to total assets | 84.7068% | 3,806 |
| Equity capital to assets | 7.7325% | 6,903 |
| Core capital (leverage) ratio | 7.6943% | 6,634 |
| Tier 1 risk-based capital ratio | 12.2589% | 4,936 |
| Total risk-based capital ratio | 13.5150% | 4,901 |
| Memoranda: | ||
| Average total assets | $99,864,500 | 5,155 |
| Average earning assets | $92,661,000 | 5,088 |
| Average equity | $7,751,000 | 5,928 |
| Average total loans | $80,846,000 | 4,479 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3381% | 956 |
| Cost of funding earning assets | 2.3006% | 1,650 |
| Net interest margin | 4.0375% | 2,706 |
| Noninterest income to average assets | 0.4434% | 4,856 |
| Noninterest expense to average assets | 2.4221% | 6,400 |
| Loan and lease loss provision to assets | 0.1392% | 6,248 |
| Net operating income to assets | 1.6151% | 528 |
| Return on assets (ROA) | 1.6151% | 560 |
| Pretax return on assets | 1.6215% | 921 |
| Return on Equity (ROE) | 20.5057% | 224 |
| Retained earnings to average equity (ytd only) | 9.7666% | 392 |
| Net charge-offs to loans | 0.0212% | 6,937 |
| Credit loss provision to net charge-offs | 758.8235% | 386 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 287 |
| Efficiency ratio | 57.9056% | 6,777 |
| Assets per employee ($millions) | 4.0990% | 3,619 |
| Cash dividends to net income (ytd only)* | 52.3714% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,653 |
| Loan loss allowance to noncurrent loans | 211.7063% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 5,397 |
| Noncurrent loans to loans | 0.6232% | 5,994 |
| Net loans and leases to total assets | 81.1196% | 820 |
| Net loans and leases to deposits | 97.3184% | 1,174 |
| Net loans and leases to core deposits | 115.7454% | 2,347 |
| Total domestic deposits to total assets | 83.3548% | 4,358 |
| Equity capital to assets | 7.7915% | 6,777 |
| Core capital (leverage) ratio | 7.9816% | 6,225 |
| Tier 1 risk-based capital ratio | 12.0726% | 4,877 |
| Total risk-based capital ratio | 13.3279% | 4,844 |
| Memoranda: | ||
| Average total assets | $92,690,000 | 5,314 |
| Average earning assets | $85,845,400 | 5,269 |
| Average equity | $7,300,400 | 6,173 |
| Average total loans | $80,028,000 | 4,509 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4371% | 861 |
| Cost of funding earning assets | 2.3834% | 1,691 |
| Net interest margin | 4.0537% | 2,576 |
| Noninterest income to average assets | 0.5215% | 4,304 |
| Noninterest expense to average assets | 2.3710% | 6,503 |
| Loan and lease loss provision to assets | 0.1826% | 5,536 |
| Net operating income to assets | 1.7224% | 535 |
| Return on assets (ROA) | 1.7224% | 566 |
| Pretax return on assets | 1.7297% | 913 |
| Return on Equity (ROE) | 21.8048% | 210 |
| Retained earnings to average equity (ytd only) | 10.3382% | 574 |
| Net charge-offs to loans | 0.0033% | 6,940 |
| Credit loss provision to net charge-offs | 6,250.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 653.6667% | 41 |
| Efficiency ratio | 55.3547% | 7,084 |
| Assets per employee ($millions) | 3.7982% | 4,193 |
| Cash dividends to net income (ytd only)* | 52.5872% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 4,351 |
| Loan loss allowance to noncurrent loans | 277.1208% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 5,377 |
| Noncurrent loans to loans | 0.4782% | 6,362 |
| Net loans and leases to total assets | 84.5325% | 481 |
| Net loans and leases to deposits | 101.9018% | 930 |
| Net loans and leases to core deposits | 120.2736% | 2,219 |
| Total domestic deposits to total assets | 82.9549% | 4,247 |
| Equity capital to assets | 7.9101% | 6,933 |
| Core capital (leverage) ratio | 8.0558% | 6,259 |
| Tier 1 risk-based capital ratio | 11.8650% | 5,092 |
| Total risk-based capital ratio | 13.1208% | 5,027 |
| Memoranda: | ||
| Average total assets | $91,268,250 | 5,387 |
| Average earning assets | $84,694,000 | 5,349 |
| Average equity | $7,209,250 | 6,255 |
| Average total loans | $79,817,500 | 4,554 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5140% | 798 |
| Cost of funding earning assets | 2.4550% | 1,764 |
| Net interest margin | 4.0590% | 2,471 |
| Noninterest income to average assets | 0.5087% | 4,369 |
| Noninterest expense to average assets | 2.3190% | 6,711 |
| Loan and lease loss provision to assets | 0.1999% | 5,058 |
| Net operating income to assets | 1.7437% | 519 |
| Return on assets (ROA) | 1.7437% | 563 |
| Pretax return on assets | 1.7503% | 929 |
| Return on Equity (ROE) | 22.0857% | 232 |
| Retained earnings to average equity (ytd only) | 9.2563% | 874 |
| Net charge-offs to loans | 0.0101% | 6,426 |
| Credit loss provision to net charge-offs | 2,250.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 219.5000% | 190 |
| Efficiency ratio | 54.3184% | 7,297 |
| Assets per employee ($millions) | 3.6519% | 4,451 |
| Cash dividends to net income (ytd only)* | 58.0892% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,272 |
| Loan loss allowance to noncurrent loans | 293.2394% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 5,273 |
| Noncurrent loans to loans | 0.4433% | 6,413 |
| Net loans and leases to total assets | 86.5735% | 328 |
| Net loans and leases to deposits | 104.9752% | 832 |
| Net loans and leases to core deposits | 124.0703% | 2,021 |
| Total domestic deposits to total assets | 82.4704% | 4,499 |
| Equity capital to assets | 7.9751% | 6,782 |
| Core capital (leverage) ratio | 7.9855% | 6,359 |
| Tier 1 risk-based capital ratio | 11.4409% | 5,453 |
| Total risk-based capital ratio | 12.6948% | 5,364 |
| Memoranda: | ||
| Average total assets | $90,039,670 | 5,455 |
| Average earning assets | $83,420,000 | 5,433 |
| Average equity | $7,108,670 | 6,335 |
| Average total loans | $79,308,330 | 4,608 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5953% | 712 |
| Cost of funding earning assets | 2.5132% | 1,870 |
| Net interest margin | 4.0821% | 2,349 |
| Noninterest income to average assets | 0.4966% | 4,348 |
| Noninterest expense to average assets | 2.3263% | 6,446 |
| Loan and lease loss provision to assets | 0.1789% | 4,667 |
| Net operating income to assets | 1.7582% | 576 |
| Return on assets (ROA) | 1.7582% | 631 |
| Pretax return on assets | 1.7626% | 1,053 |
| Return on Equity (ROE) | 22.3852% | 290 |
| Retained earnings to average equity (ytd only) | 8.0313% | 1,804 |
| Net charge-offs to loans | 0.0051% | 5,628 |
| Credit loss provision to net charge-offs | 4,000.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 434.0000% | 78 |
| Efficiency ratio | 54.5073% | 7,167 |
| Assets per employee ($millions) | 3.5923% | 4,581 |
| Cash dividends to net income (ytd only)* | 64.1221% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 4,412 |
| Loan loss allowance to noncurrent loans | 462.3256% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 5,780 |
| Noncurrent loans to loans | 0.2708% | 6,756 |
| Net loans and leases to total assets | 87.2827% | 320 |
| Net loans and leases to deposits | 107.2356% | 771 |
| Net loans and leases to core deposits | 129.7738% | 1,671 |
| Total domestic deposits to total assets | 81.3934% | 4,794 |
| Equity capital to assets | 7.8980% | 6,959 |
| Core capital (leverage) ratio | 7.8773% | 6,654 |
| Tier 1 risk-based capital ratio | 11.4666% | 5,448 |
| Total risk-based capital ratio | 12.7162% | 5,344 |
| Memoranda: | ||
| Average total assets | $89,411,000 | 5,507 |
| Average earning assets | $82,604,000 | 5,469 |
| Average equity | $7,022,500 | 6,398 |
| Average total loans | $78,922,500 | 4,648 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8968% | 1,407 |
| Cost of funding earning assets | 3.1490% | 1,357 |
| Net interest margin | 3.7479% | 4,235 |
| Noninterest income to average assets | 0.4406% | 5,112 |
| Noninterest expense to average assets | 2.2349% | 6,877 |
| Loan and lease loss provision to assets | 0.1204% | 5,821 |
| Net operating income to assets | 1.5501% | 928 |
| Return on assets (ROA) | 1.5501% | 895 |
| Pretax return on assets | 1.5535% | 1,529 |
| Return on Equity (ROE) | 20.5889% | 328 |
| Retained earnings to average equity (ytd only) | 9.6685% | 498 |
| Net charge-offs to loans | 0.0368% | 6,288 |
| Credit loss provision to net charge-offs | 378.5714% | 1,161 |
| Earnings coverage of net charge-offs (x) | 52.6429% | 740 |
| Efficiency ratio | 57.1761% | 6,836 |
| Assets per employee ($millions) | 3.5606% | 4,523 |
| Cash dividends to net income (ytd only)* | 53.0403% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 4,406 |
| Loan loss allowance to noncurrent loans | 757.9365% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 5,459 |
| Noncurrent loans to loans | 0.1606% | 6,927 |
| Net loans and leases to total assets | 87.0752% | 466 |
| Net loans and leases to deposits | 107.9166% | 980 |
| Net loans and leases to core deposits | 130.2908% | 1,829 |
| Total domestic deposits to total assets | 80.6875% | 4,777 |
| Equity capital to assets | 7.8099% | 7,082 |
| Core capital (leverage) ratio | 7.8496% | 6,724 |
| Tier 1 risk-based capital ratio | 11.4378% | 5,300 |
| Total risk-based capital ratio | 12.6915% | 5,196 |
| Memoranda: | ||
| Average total assets | $88,057,800 | 5,418 |
| Average earning assets | $81,486,600 | 5,384 |
| Average equity | $6,629,800 | 6,595 |
| Average total loans | $76,102,200 | 4,647 |