Home > Community Bank of Oelwein > Performance and Condition Ratios
Community Bank of Oelwein, 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 | 4.4382% | 3,211 |
| Cost of funding earning assets | 1.8492% | 1,163 |
| Net interest margin | 2.5890% | 3,980 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.6808% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8330% | 2,767 |
| Return on assets (ROA) | 0.8235% | 2,774 |
| Pretax return on assets | 0.9287% | 2,877 |
| Return on Equity (ROE) | 7.1400% | 3,244 |
| Retained earnings to average equity (ytd only) | 2.9562% | 3,290 |
| Net charge-offs to loans | -0.0214% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.1489% | 2,591 |
| Assets per employee ($millions) | 9.6507% | 787 |
| Cash dividends to net income (ytd only)* | 58.6166% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 2,885 |
| Loan loss allowance to noncurrent loans | 571.4286% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 2,790 |
| Noncurrent loans to loans | 0.1909% | 2,559 |
| Net loans and leases to total assets | 58.0900% | 3,028 |
| Net loans and leases to deposits | 68.3034% | 3,008 |
| Net loans and leases to core deposits | 95.6447% | 1,672 |
| Total domestic deposits to total assets | 85.0400% | 2,299 |
| Equity capital to assets | 11.5366% | 1,273 |
| Core capital (leverage) ratio | 12.7264% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5366% | 837 |
| Memoranda: | ||
| Average total assets | $103,581,400 | 3,799 |
| Average earning assets | $97,179,600 | 3,773 |
| Average equity | $11,941,000 | 3,532 |
| Average total loans | $60,827,800 | 3,695 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 3,146 |
| Cost of funding earning assets | 1.6677% | 1,244 |
| Net interest margin | 2.7103% | 3,871 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.6489% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9421% | 2,540 |
| Return on assets (ROA) | 0.9274% | 2,577 |
| Pretax return on assets | 1.0608% | 2,684 |
| Return on Equity (ROE) | 8.0500% | 3,175 |
| Retained earnings to average equity (ytd only) | 8.0462% | 1,951 |
| Net charge-offs to loans | -0.0221% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.4751% | 2,912 |
| Assets per employee ($millions) | 9.5949% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 2,805 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.0700% | 3,108 |
| Net loans and leases to deposits | 67.0403% | 3,052 |
| Net loans and leases to core deposits | 89.0527% | 1,993 |
| Total domestic deposits to total assets | 85.1200% | 2,464 |
| Equity capital to assets | 11.3375% | 1,230 |
| Core capital (leverage) ratio | 12.9671% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9253% | 709 |
| Memoranda: | ||
| Average total assets | $102,937,250 | 3,818 |
| Average earning assets | $96,418,500 | 3,790 |
| Average equity | $11,864,500 | 3,533 |
| Average total loans | $60,448,500 | 3,709 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 3,217 |
| Cost of funding earning assets | 1.4480% | 1,341 |
| Net interest margin | 2.7878% | 3,839 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.6793% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0019% | 2,411 |
| Return on assets (ROA) | 0.9797% | 2,472 |
| Pretax return on assets | 1.1326% | 2,557 |
| Return on Equity (ROE) | 8.4500% | 3,124 |
| Retained earnings to average equity (ytd only) | 8.4526% | 1,828 |
| Net charge-offs to loans | -0.0199% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.1851% | 3,055 |
| Assets per employee ($millions) | 9.2336% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 2,895 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.8900% | 2,875 |
| Net loans and leases to deposits | 69.5942% | 2,817 |
| Net loans and leases to core deposits | 88.1597% | 1,915 |
| Total domestic deposits to total assets | 84.6300% | 2,651 |
| Equity capital to assets | 11.8401% | 1,091 |
| Core capital (leverage) ratio | 13.0968% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9674% | 724 |
| Memoranda: | ||
| Average total assets | $102,068,333 | 3,844 |
| Average earning assets | $96,132,667 | 3,812 |
| Average equity | $11,830,667 | 3,551 |
| Average total loans | $60,296,000 | 3,717 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,249 |
| Cost of funding earning assets | 1.2529% | 1,331 |
| Net interest margin | 2.8491% | 3,866 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.6029% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0899% | 2,263 |
| Return on assets (ROA) | 1.0477% | 2,358 |
| Pretax return on assets | 1.2549% | 2,288 |
| Return on Equity (ROE) | 9.1400% | 3,007 |
| Retained earnings to average equity (ytd only) | 9.1366% | 1,905 |
| Net charge-offs to loans | -0.0133% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.1075% | 3,495 |
| Assets per employee ($millions) | 10.1859% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 2,945 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.8500% | 2,880 |
| Net loans and leases to deposits | 66.7743% | 2,866 |
| Net loans and leases to core deposits | 82.7225% | 2,080 |
| Total domestic deposits to total assets | 86.6400% | 2,394 |
| Equity capital to assets | 11.7191% | 1,084 |
| Core capital (leverage) ratio | 12.8278% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6053% | 784 |
| Memoranda: | ||
| Average total assets | $102,317,500 | 3,890 |
| Average earning assets | $96,732,500 | 3,853 |
| Average equity | $11,733,000 | 3,595 |
| Average total loans | $60,198,000 | 3,758 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 2,493 |
| Cost of funding earning assets | 0.6847% | 628 |
| Net interest margin | 3.0285% | 3,366 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.8197% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1650% | 1,913 |
| Return on assets (ROA) | 1.1781% | 1,798 |
| Pretax return on assets | 1.4463% | 1,627 |
| Return on Equity (ROE) | 9.7700% | 2,876 |
| Retained earnings to average equity (ytd only) | -4.3772% | 4,558 |
| Net charge-offs to loans | 0.0452% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 55.8889% | 1,303 |
| Efficiency ratio | 55.9930% | 3,587 |
| Assets per employee ($millions) | 10.2776% | 615 |
| Cash dividends to net income (ytd only)* | 144.8109% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 2,908 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 58.5100% | 2,773 |
| Net loans and leases to deposits | 67.8044% | 2,740 |
| Net loans and leases to core deposits | 82.9393% | 1,936 |
| Total domestic deposits to total assets | 86.2900% | 2,643 |
| Equity capital to assets | 11.2176% | 1,176 |
| Core capital (leverage) ratio | 12.4932% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7118% | 868 |
| Memoranda: | ||
| Average total assets | $105,512,800 | 3,881 |
| Average earning assets | $98,431,200 | 3,852 |
| Average equity | $12,725,000 | 3,597 |
| Average total loans | $59,726,200 | 3,735 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6144% | 2,304 |
| Cost of funding earning assets | 0.6200% | 392 |
| Net interest margin | 2.9944% | 3,229 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.5719% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3685% | 1,177 |
| Return on assets (ROA) | 1.3836% | 1,102 |
| Pretax return on assets | 1.7288% | 852 |
| Return on Equity (ROE) | 11.2800% | 2,273 |
| Retained earnings to average equity (ytd only) | 3.0917% | 3,756 |
| Net charge-offs to loans | 0.0493% | 990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 61.9091% | 1,160 |
| Efficiency ratio | 47.8959% | 4,278 |
| Assets per employee ($millions) | 9.2834% | 807 |
| Cash dividends to net income (ytd only)* | 72.5953% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 2,999 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 58.9800% | 2,603 |
| Net loans and leases to deposits | 68.9109% | 2,461 |
| Net loans and leases to core deposits | 80.9952% | 1,830 |
| Total domestic deposits to total assets | 85.5800% | 3,155 |
| Equity capital to assets | 11.8354% | 913 |
| Core capital (leverage) ratio | 12.8545% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3862% | 694 |
| Memoranda: | ||
| Average total assets | $106,197,000 | 3,895 |
| Average earning assets | $98,714,250 | 3,871 |
| Average equity | $13,024,000 | 3,610 |
| Average total loans | $59,458,250 | 3,756 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4580% | 2,268 |
| Cost of funding earning assets | 0.5921% | 294 |
| Net interest margin | 2.8659% | 3,253 |
| Noninterest income to average assets | 0.6471% | 1,552 |
| Noninterest expense to average assets | 1.4987% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4281% | 840 |
| Return on assets (ROA) | 1.4504% | 776 |
| Pretax return on assets | 1.8223% | 565 |
| Return on Equity (ROE) | 11.6971% | 1,762 |
| Retained earnings to average equity (ytd only) | -0.2999% | 4,217 |
| Net charge-offs to loans | -0.0170% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5110% | 4,471 |
| Assets per employee ($millions) | 10.0031% | 659 |
| Cash dividends to net income (ytd only)* | 102.5641% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 2,883 |
| Loan loss allowance to noncurrent loans | 672.1154% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 3,060 |
| Noncurrent loans to loans | 0.1728% | 2,829 |
| Net loans and leases to total assets | 54.0560% | 2,961 |
| Net loans and leases to deposits | 61.0214% | 2,972 |
| Net loans and leases to core deposits | 71.7777% | 2,363 |
| Total domestic deposits to total assets | 88.5853% | 2,337 |
| Equity capital to assets | 10.9911% | 1,215 |
| Core capital (leverage) ratio | 12.5534% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7454% | 748 |
| Memoranda: | ||
| Average total assets | $107,557,000 | 3,917 |
| Average earning assets | $99,306,333 | 3,920 |
| Average equity | $13,336,667 | 3,649 |
| Average total loans | $58,979,000 | 3,800 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4140% | 2,045 |
| Cost of funding earning assets | 0.5991% | 263 |
| Net interest margin | 2.8149% | 3,091 |
| Noninterest income to average assets | 0.0150% | 4,732 |
| Noninterest expense to average assets | 1.5350% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8882% | 2,329 |
| Return on assets (ROA) | 0.9293% | 2,150 |
| Pretax return on assets | 1.1099% | 2,107 |
| Return on Equity (ROE) | 7.0784% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.0784% | 1,868 |
| Net charge-offs to loans | -0.0137% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1304% | 3,567 |
| Assets per employee ($millions) | 9.5413% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,921 |
| Loan loss allowance to noncurrent loans | 594.8718% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 3,028 |
| Noncurrent loans to loans | 0.1997% | 2,823 |
| Net loans and leases to total assets | 55.1604% | 2,614 |
| Net loans and leases to deposits | 63.6733% | 2,559 |
| Net loans and leases to core deposits | 75.3580% | 1,820 |
| Total domestic deposits to total assets | 86.6303% | 3,060 |
| Equity capital to assets | 12.8685% | 720 |
| Core capital (leverage) ratio | 12.9716% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7864% | 667 |
| Memoranda: | ||
| Average total assets | $106,318,500 | 3,952 |
| Average earning assets | $97,481,500 | 3,954 |
| Average equity | $13,958,000 | 3,663 |
| Average total loans | $58,379,000 | 3,817 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 2,073 |
| Cost of funding earning assets | 0.7680% | 236 |
| Net interest margin | 2.9450% | 3,336 |
| Noninterest income to average assets | 0.1797% | 4,254 |
| Noninterest expense to average assets | 1.5135% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1616% | 2,051 |
| Return on assets (ROA) | 1.1954% | 1,997 |
| Pretax return on assets | 1.4853% | 1,773 |
| Return on Equity (ROE) | 8.8110% | 2,981 |
| Retained earnings to average equity (ytd only) | -9.8888% | 4,766 |
| Net charge-offs to loans | 0.0693% | 1,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 37.2273% | 1,473 |
| Efficiency ratio | 51.1919% | 4,185 |
| Assets per employee ($millions) | 9.7894% | 709 |
| Cash dividends to net income (ytd only)* | 212.2329% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,917 |
| Loan loss allowance to noncurrent loans | 5,338.4615% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 3,069 |
| Noncurrent loans to loans | 0.0223% | 3,907 |
| Net loans and leases to total assets | 53.3743% | 2,925 |
| Net loans and leases to deposits | 62.0774% | 2,874 |
| Net loans and leases to core deposits | 74.8597% | 2,012 |
| Total domestic deposits to total assets | 85.9801% | 2,917 |
| Equity capital to assets | 13.3819% | 799 |
| Core capital (leverage) ratio | 12.1096% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4284% | 706 |
| Memoranda: | ||
| Average total assets | $113,514,600 | 3,862 |
| Average earning assets | $107,027,400 | 3,836 |
| Average equity | $15,401,200 | 3,594 |
| Average total loans | $63,472,400 | 3,769 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 2,095 |
| Cost of funding earning assets | 0.7925% | 251 |
| Net interest margin | 2.9767% | 3,368 |
| Noninterest income to average assets | 0.1809% | 4,292 |
| Noninterest expense to average assets | 1.4183% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2677% | 1,926 |
| Return on assets (ROA) | 1.3104% | 1,849 |
| Pretax return on assets | 1.6386% | 1,584 |
| Return on Equity (ROE) | 9.6276% | 2,872 |
| Retained earnings to average equity (ytd only) | -10.6926% | 4,853 |
| Net charge-offs to loans | 0.0947% | 768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 29.7174% | 1,529 |
| Efficiency ratio | 47.2201% | 4,427 |
| Assets per employee ($millions) | 10.4433% | 565 |
| Cash dividends to net income (ytd only)* | 211.0619% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 3,410 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.3127% | 2,815 |
| Net loans and leases to deposits | 64.8245% | 2,750 |
| Net loans and leases to core deposits | 81.1238% | 1,642 |
| Total domestic deposits to total assets | 85.3268% | 3,010 |
| Equity capital to assets | 12.9131% | 1,004 |
| Core capital (leverage) ratio | 11.9081% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6556% | 868 |
| Memoranda: | ||
| Average total assets | $114,972,500 | 3,899 |
| Average earning assets | $109,021,500 | 3,865 |
| Average equity | $15,649,000 | 3,614 |
| Average total loans | $64,798,250 | 3,794 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 1,849 |
| Cost of funding earning assets | 0.8255% | 257 |
| Net interest margin | 3.0613% | 3,142 |
| Noninterest income to average assets | 0.1478% | 4,457 |
| Noninterest expense to average assets | 1.4208% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3119% | 1,829 |
| Return on assets (ROA) | 1.3426% | 1,813 |
| Pretax return on assets | 1.6869% | 1,513 |
| Return on Equity (ROE) | 9.6981% | 2,875 |
| Retained earnings to average equity (ytd only) | -10.4016% | 4,875 |
| Net charge-offs to loans | 0.1539% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 18.9600% | 1,554 |
| Efficiency ratio | 46.2890% | 4,500 |
| Assets per employee ($millions) | 10.4991% | 526 |
| Cash dividends to net income (ytd only)* | 207.2539% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,650 |
| Loan loss allowance to noncurrent loans | 309.9099% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 2,443 |
| Noncurrent loans to loans | 0.3374% | 2,701 |
| Net loans and leases to total assets | 56.3772% | 2,857 |
| Net loans and leases to deposits | 66.3460% | 2,792 |
| Net loans and leases to core deposits | 83.6760% | 1,592 |
| Total domestic deposits to total assets | 84.9745% | 3,104 |
| Equity capital to assets | 13.2306% | 882 |
| Core capital (leverage) ratio | 12.2750% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4115% | 769 |
| Memoranda: | ||
| Average total assets | $115,004,667 | 3,916 |
| Average earning assets | $109,756,333 | 3,877 |
| Average equity | $15,920,667 | 3,595 |
| Average total loans | $64,986,667 | 3,814 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 1,636 |
| Cost of funding earning assets | 0.8536% | 275 |
| Net interest margin | 3.1324% | 2,897 |
| Noninterest income to average assets | 0.1499% | 4,450 |
| Noninterest expense to average assets | 1.3977% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3964% | 1,587 |
| Return on assets (ROA) | 1.4569% | 1,494 |
| Pretax return on assets | 1.8473% | 1,204 |
| Return on Equity (ROE) | 10.2949% | 2,597 |
| Retained earnings to average equity (ytd only) | 10.2949% | 1,575 |
| Net charge-offs to loans | 0.3345% | 255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.4074% | 1,540 |
| Efficiency ratio | 44.1144% | 4,571 |
| Assets per employee ($millions) | 10.4427% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,629 |
| Loan loss allowance to noncurrent loans | 309.5023% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 2,593 |
| Noncurrent loans to loans | 0.3408% | 2,877 |
| Net loans and leases to total assets | 55.8623% | 3,056 |
| Net loans and leases to deposits | 67.1273% | 2,797 |
| Net loans and leases to core deposits | 89.2749% | 1,272 |
| Total domestic deposits to total assets | 83.2184% | 3,636 |
| Equity capital to assets | 14.2021% | 626 |
| Core capital (leverage) ratio | 13.2910% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4545% | 630 |
| Memoranda: | ||
| Average total assets | $114,762,000 | 3,918 |
| Average earning assets | $110,586,500 | 3,866 |
| Average equity | $16,241,000 | 3,584 |
| Average total loans | $64,581,000 | 3,834 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9245% | 2,956 |
| Cost of funding earning assets | 1.2216% | 258 |
| Net interest margin | 2.7029% | 4,370 |
| Noninterest income to average assets | 0.1469% | 4,562 |
| Noninterest expense to average assets | 1.4166% | 4,829 |
| Loan and lease loss provision to assets | 0.0264% | 4,068 |
| Net operating income to assets | 1.0497% | 2,106 |
| Return on assets (ROA) | 1.0596% | 2,205 |
| Pretax return on assets | 1.3058% | 1,953 |
| Return on Equity (ROE) | 7.9638% | 2,837 |
| Retained earnings to average equity (ytd only) | 7.4020% | 1,235 |
| Net charge-offs to loans | -0.0613% | 4,711 |
| Credit loss provision to net charge-offs | -78.9474% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7674% | 4,401 |
| Assets per employee ($millions) | 10.4231% | 468 |
| Cash dividends to net income (ytd only)* | 7.0539% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,221 |
| Loan loss allowance to noncurrent loans | 186.3636% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 2,554 |
| Noncurrent loans to loans | 0.6158% | 2,156 |
| Net loans and leases to total assets | 55.4460% | 3,351 |
| Net loans and leases to deposits | 66.6258% | 3,214 |
| Net loans and leases to core deposits | 92.4979% | 1,346 |
| Total domestic deposits to total assets | 83.2199% | 3,349 |
| Equity capital to assets | 14.1016% | 770 |
| Core capital (leverage) ratio | 12.9794% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4242% | 633 |
| Memoranda: | ||
| Average total assets | $113,719,200 | 3,829 |
| Average earning assets | $108,957,400 | 3,782 |
| Average equity | $15,131,000 | 3,637 |
| Average total loans | $62,003,000 | 3,884 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 2,970 |
| Cost of funding earning assets | 1.2717% | 280 |
| Net interest margin | 2.7302% | 4,426 |
| Noninterest income to average assets | 0.1433% | 4,588 |
| Noninterest expense to average assets | 1.3241% | 4,900 |
| Loan and lease loss provision to assets | 0.0352% | 3,898 |
| Net operating income to assets | 1.1241% | 1,902 |
| Return on assets (ROA) | 1.1279% | 2,011 |
| Pretax return on assets | 1.3993% | 1,739 |
| Return on Equity (ROE) | 8.6067% | 2,562 |
| Retained earnings to average equity (ytd only) | 8.6067% | 1,109 |
| Net charge-offs to loans | -0.1411% | 4,881 |
| Credit loss provision to net charge-offs | -46.1538% | 3,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0802% | 4,607 |
| Assets per employee ($millions) | 10.9053% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,650 |
| Loan loss allowance to noncurrent loans | 9,562.5000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,231 |
| Noncurrent loans to loans | 0.0126% | 4,394 |
| Net loans and leases to total assets | 52.4050% | 3,937 |
| Net loans and leases to deposits | 62.2065% | 3,918 |
| Net loans and leases to core deposits | 92.1395% | 1,785 |
| Total domestic deposits to total assets | 84.2437% | 2,735 |
| Equity capital to assets | 13.2205% | 1,100 |
| Core capital (leverage) ratio | 12.5991% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2308% | 647 |
| Memoranda: | ||
| Average total assets | $113,485,500 | 3,821 |
| Average earning assets | $108,511,750 | 3,782 |
| Average equity | $14,871,750 | 3,671 |
| Average total loans | $61,426,500 | 3,907 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1714% | 2,847 |
| Cost of funding earning assets | 1.3616% | 267 |
| Net interest margin | 2.8097% | 4,433 |
| Noninterest income to average assets | 0.1455% | 4,577 |
| Noninterest expense to average assets | 1.3653% | 4,919 |
| Loan and lease loss provision to assets | 0.0539% | 3,629 |
| Net operating income to assets | 1.1367% | 1,850 |
| Return on assets (ROA) | 1.1426% | 1,961 |
| Pretax return on assets | 1.4174% | 1,687 |
| Return on Equity (ROE) | 8.7467% | 2,471 |
| Retained earnings to average equity (ytd only) | 8.7467% | 1,091 |
| Net charge-offs to loans | -0.2076% | 4,949 |
| Credit loss provision to net charge-offs | -47.6190% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2540% | 4,613 |
| Assets per employee ($millions) | 10.6065% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,348 |
| Loan loss allowance to noncurrent loans | 713.0841% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 3,876 |
| Noncurrent loans to loans | 0.1726% | 3,756 |
| Net loans and leases to total assets | 52.4813% | 3,994 |
| Net loans and leases to deposits | 62.3381% | 3,989 |
| Net loans and leases to core deposits | 96.1738% | 1,566 |
| Total domestic deposits to total assets | 84.1882% | 2,682 |
| Equity capital to assets | 13.2568% | 1,058 |
| Core capital (leverage) ratio | 12.7451% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8157% | 600 |
| Memoranda: | ||
| Average total assets | $111,328,000 | 3,848 |
| Average earning assets | $106,344,000 | 3,802 |
| Average equity | $14,542,667 | 3,701 |
| Average total loans | $60,692,333 | 3,930 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 3,397 |
| Cost of funding earning assets | 1.4296% | 349 |
| Net interest margin | 2.7127% | 4,659 |
| Noninterest income to average assets | 0.1693% | 4,518 |
| Noninterest expense to average assets | 1.3989% | 4,963 |
| Loan and lease loss provision to assets | 0.0368% | 3,312 |
| Net operating income to assets | 1.0777% | 1,913 |
| Return on assets (ROA) | 1.0897% | 1,975 |
| Pretax return on assets | 1.3400% | 1,751 |
| Return on Equity (ROE) | 8.4088% | 2,343 |
| Retained earnings to average equity (ytd only) | 8.4088% | 1,123 |
| Net charge-offs to loans | 0.1066% | 1,045 |
| Credit loss provision to net charge-offs | 62.5000% | 2,009 |
| Earnings coverage of net charge-offs (x) | 23.1250% | 1,336 |
| Efficiency ratio | 50.6667% | 4,626 |
| Assets per employee ($millions) | 9.9894% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,251 |
| Loan loss allowance to noncurrent loans | 122.9630% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 2,521 |
| Noncurrent loans to loans | 0.8879% | 1,839 |
| Net loans and leases to total assets | 54.7464% | 3,930 |
| Net loans and leases to deposits | 64.4859% | 3,952 |
| Net loans and leases to core deposits | 102.6833% | 1,264 |
| Total domestic deposits to total assets | 84.8967% | 2,445 |
| Equity capital to assets | 12.5078% | 1,723 |
| Core capital (leverage) ratio | 12.9540% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3479% | 717 |
| Memoranda: | ||
| Average total assets | $108,656,000 | 3,860 |
| Average earning assets | $103,808,500 | 3,823 |
| Average equity | $14,080,500 | 3,765 |
| Average total loans | $60,041,500 | 3,959 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 3,748 |
| Cost of funding earning assets | 1.5316% | 361 |
| Net interest margin | 2.6940% | 4,842 |
| Noninterest income to average assets | 0.2069% | 4,420 |
| Noninterest expense to average assets | 1.5573% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0048% | 2,829 |
| Return on assets (ROA) | 1.0253% | 2,844 |
| Pretax return on assets | 1.2497% | 2,669 |
| Return on Equity (ROE) | 8.2249% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.6692% | 1,092 |
| Net charge-offs to loans | 0.1147% | 1,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 20.7188% | 1,921 |
| Efficiency ratio | 55.9761% | 4,206 |
| Assets per employee ($millions) | 9.7663% | 382 |
| Cash dividends to net income (ytd only)* | 6.7568% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 2,787 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 4,312 |
| Noncurrent loans to loans | 0.1131% | 4,078 |
| Net loans and leases to total assets | 54.5402% | 4,044 |
| Net loans and leases to deposits | 66.4678% | 3,928 |
| Net loans and leases to core deposits | 106.5019% | 1,080 |
| Total domestic deposits to total assets | 82.0551% | 3,499 |
| Equity capital to assets | 13.4200% | 1,320 |
| Core capital (leverage) ratio | 12.7840% | 1,339 |
| Tier 1 risk-based capital ratio | 20.8404% | 1,194 |
| Total risk-based capital ratio | 21.8470% | 1,205 |
| Memoranda: | ||
| Average total assets | $108,262,000 | 3,858 |
| Average earning assets | $103,489,000 | 3,807 |
| Average equity | $13,495,600 | 3,817 |
| Average total loans | $55,791,800 | 4,056 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 3,810 |
| Cost of funding earning assets | 1.5395% | 366 |
| Net interest margin | 2.7102% | 4,934 |
| Noninterest income to average assets | 0.2151% | 4,437 |
| Noninterest expense to average assets | 1.4971% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0806% | 2,651 |
| Return on assets (ROA) | 1.0534% | 2,859 |
| Pretax return on assets | 1.2771% | 2,735 |
| Return on Equity (ROE) | 8.6138% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.6138% | 1,166 |
| Net charge-offs to loans | 0.1626% | 1,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 15.9107% | 2,158 |
| Efficiency ratio | 53.3275% | 4,463 |
| Assets per employee ($millions) | 9.7446% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,440 |
| Loan loss allowance to noncurrent loans | 1,010.6061% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 4,403 |
| Noncurrent loans to loans | 0.1201% | 4,114 |
| Net loans and leases to total assets | 50.6395% | 4,387 |
| Net loans and leases to deposits | 60.3827% | 4,361 |
| Net loans and leases to core deposits | 96.9962% | 1,901 |
| Total domestic deposits to total assets | 83.8643% | 2,872 |
| Equity capital to assets | 13.3733% | 1,420 |
| Core capital (leverage) ratio | 12.5700% | 1,537 |
| Tier 1 risk-based capital ratio | 21.5999% | 1,123 |
| Total risk-based capital ratio | 22.6519% | 1,115 |
| Memoranda: | ||
| Average total assets | $108,470,250 | 3,892 |
| Average earning assets | $103,754,250 | 3,851 |
| Average equity | $13,265,250 | 3,896 |
| Average total loans | $54,924,250 | 4,127 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 3,969 |
| Cost of funding earning assets | 1.5314% | 345 |
| Net interest margin | 2.6507% | 5,040 |
| Noninterest income to average assets | 0.1818% | 4,657 |
| Noninterest expense to average assets | 1.3793% | 5,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1148% | 2,466 |
| Return on assets (ROA) | 1.0340% | 2,867 |
| Pretax return on assets | 1.2452% | 2,767 |
| Return on Equity (ROE) | 8.7228% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.7228% | 1,123 |
| Net charge-offs to loans | 0.1639% | 976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 16.2444% | 1,940 |
| Efficiency ratio | 50.6748% | 4,744 |
| Assets per employee ($millions) | 9.2075% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 2,570 |
| Loan loss allowance to noncurrent loans | 200.8746% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 3,295 |
| Noncurrent loans to loans | 0.5935% | 2,492 |
| Net loans and leases to total assets | 51.6825% | 4,371 |
| Net loans and leases to deposits | 60.8584% | 4,386 |
| Net loans and leases to core deposits | 96.9590% | 1,981 |
| Total domestic deposits to total assets | 84.9226% | 2,509 |
| Equity capital to assets | 12.4600% | 1,883 |
| Core capital (leverage) ratio | 12.2842% | 1,651 |
| Tier 1 risk-based capital ratio | 20.1183% | 1,331 |
| Total risk-based capital ratio | 21.1527% | 1,339 |
| Memoranda: | ||
| Average total assets | $108,896,670 | 3,914 |
| Average earning assets | $104,351,330 | 3,866 |
| Average equity | $12,908,670 | 3,949 |
| Average total loans | $54,916,330 | 4,147 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 4,140 |
| Cost of funding earning assets | 1.5204% | 301 |
| Net interest margin | 2.5727% | 5,157 |
| Noninterest income to average assets | 0.1813% | 4,665 |
| Noninterest expense to average assets | 1.3987% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0727% | 2,575 |
| Return on assets (ROA) | 0.8659% | 3,422 |
| Pretax return on assets | 1.0028% | 3,427 |
| Return on Equity (ROE) | 7.5003% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.5003% | 1,848 |
| Net charge-offs to loans | 0.2244% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,920 |
| Efficiency ratio | 52.9412% | 4,624 |
| Assets per employee ($millions) | 9.9887% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,166 |
| Loan loss allowance to noncurrent loans | 179.1349% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 3,172 |
| Noncurrent loans to loans | 0.7166% | 2,231 |
| Net loans and leases to total assets | 49.2692% | 4,509 |
| Net loans and leases to deposits | 58.0349% | 4,499 |
| Net loans and leases to core deposits | 92.2059% | 2,282 |
| Total domestic deposits to total assets | 84.8957% | 2,719 |
| Equity capital to assets | 11.6413% | 2,279 |
| Core capital (leverage) ratio | 12.0575% | 1,738 |
| Tier 1 risk-based capital ratio | 20.2059% | 1,306 |
| Total risk-based capital ratio | 21.2942% | 1,303 |
| Memoranda: | ||
| Average total assets | $108,100,000 | 3,966 |
| Average earning assets | $103,392,500 | 3,919 |
| Average equity | $12,479,500 | 4,005 |
| Average total loans | $53,478,000 | 4,230 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 4,214 |
| Cost of funding earning assets | 1.4074% | 136 |
| Net interest margin | 2.5222% | 5,207 |
| Noninterest income to average assets | 0.1995% | 4,708 |
| Noninterest expense to average assets | 1.4535% | 5,245 |
| Loan and lease loss provision to assets | 0.0554% | 3,060 |
| Net operating income to assets | 0.9208% | 3,364 |
| Return on assets (ROA) | 0.9003% | 3,431 |
| Pretax return on assets | 1.0546% | 3,429 |
| Return on Equity (ROE) | 8.4468% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.4505% | 1,477 |
| Net charge-offs to loans | -0.2522% | 5,292 |
| Credit loss provision to net charge-offs | -47.2441% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1742% | 4,382 |
| Assets per employee ($millions) | 8.8603% | 493 |
| Cash dividends to net income (ytd only)* | 11.7949% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,602 |
| Loan loss allowance to noncurrent loans | 172.3005% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 2,952 |
| Noncurrent loans to loans | 0.8174% | 1,973 |
| Net loans and leases to total assets | 48.3268% | 4,613 |
| Net loans and leases to deposits | 56.2430% | 4,652 |
| Net loans and leases to core deposits | 91.7308% | 2,434 |
| Total domestic deposits to total assets | 85.9251% | 2,272 |
| Equity capital to assets | 11.4443% | 2,296 |
| Core capital (leverage) ratio | 12.0367% | 1,713 |
| Tier 1 risk-based capital ratio | 20.9406% | 1,159 |
| Total risk-based capital ratio | 22.1379% | 1,151 |
| Memoranda: | ||
| Average total assets | $108,291,800 | 3,965 |
| Average earning assets | $102,527,600 | 3,940 |
| Average equity | $11,542,800 | 4,084 |
| Average total loans | $50,347,400 | 4,312 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,275 |
| Cost of funding earning assets | 1.3844% | 105 |
| Net interest margin | 2.4876% | 5,288 |
| Noninterest income to average assets | 0.1973% | 4,793 |
| Noninterest expense to average assets | 1.4083% | 5,319 |
| Loan and lease loss provision to assets | 0.0552% | 2,872 |
| Net operating income to assets | 0.9319% | 3,384 |
| Return on assets (ROA) | 0.9045% | 3,510 |
| Pretax return on assets | 1.0541% | 3,562 |
| Return on Equity (ROE) | 8.6416% | 3,267 |
| Retained earnings to average equity (ytd only) | 8.0444% | 1,629 |
| Net charge-offs to loans | -0.3286% | 5,369 |
| Credit loss provision to net charge-offs | -36.5854% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2404% | 4,485 |
| Assets per employee ($millions) | 9.8033% | 353 |
| Cash dividends to net income (ytd only)* | 6.9107% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,726 |
| Loan loss allowance to noncurrent loans | 209.6774% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 3,427 |
| Noncurrent loans to loans | 0.6647% | 2,416 |
| Net loans and leases to total assets | 46.9083% | 4,758 |
| Net loans and leases to deposits | 54.0416% | 4,822 |
| Net loans and leases to core deposits | 91.7657% | 2,502 |
| Total domestic deposits to total assets | 86.8003% | 1,823 |
| Equity capital to assets | 10.5966% | 3,049 |
| Core capital (leverage) ratio | 11.6518% | 2,045 |
| Tier 1 risk-based capital ratio | 20.8409% | 1,205 |
| Total risk-based capital ratio | 22.0174% | 1,190 |
| Memoranda: | ||
| Average total assets | $108,783,750 | 4,005 |
| Average earning assets | $102,855,250 | 3,974 |
| Average equity | $11,386,500 | 4,136 |
| Average total loans | $49,905,000 | 4,364 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 4,371 |
| Cost of funding earning assets | 1.3426% | 93 |
| Net interest margin | 2.4466% | 5,366 |
| Noninterest income to average assets | 0.1980% | 4,831 |
| Noninterest expense to average assets | 1.3969% | 5,395 |
| Loan and lease loss provision to assets | 0.0550% | 2,804 |
| Net operating income to assets | 0.9006% | 3,454 |
| Return on assets (ROA) | 0.8928% | 3,499 |
| Pretax return on assets | 1.0486% | 3,520 |
| Return on Equity (ROE) | 8.5641% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.6673% | 1,767 |
| Net charge-offs to loans | -0.4733% | 5,430 |
| Credit loss provision to net charge-offs | -25.6410% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6611% | 4,524 |
| Assets per employee ($millions) | 9.7311% | 347 |
| Cash dividends to net income (ytd only)* | 10.4723% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,808 |
| Loan loss allowance to noncurrent loans | 392.0904% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 4,159 |
| Noncurrent loans to loans | 0.3529% | 3,430 |
| Net loans and leases to total assets | 46.2024% | 4,816 |
| Net loans and leases to deposits | 53.2638% | 4,866 |
| Net loans and leases to core deposits | 88.7947% | 2,656 |
| Total domestic deposits to total assets | 86.7426% | 1,950 |
| Equity capital to assets | 10.6790% | 2,952 |
| Core capital (leverage) ratio | 11.3646% | 2,190 |
| Tier 1 risk-based capital ratio | 21.0218% | 1,172 |
| Total risk-based capital ratio | 22.1970% | 1,159 |
| Memoranda: | ||
| Average total assets | $109,099,670 | 4,035 |
| Average earning assets | $103,081,330 | 4,002 |
| Average equity | $11,373,000 | 4,172 |
| Average total loans | $49,440,330 | 4,414 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 4,457 |
| Cost of funding earning assets | 1.2597% | 107 |
| Net interest margin | 2.4463% | 5,427 |
| Noninterest income to average assets | 0.2107% | 4,755 |
| Noninterest expense to average assets | 1.3257% | 5,488 |
| Loan and lease loss provision to assets | 0.0545% | 2,677 |
| Net operating income to assets | 0.9661% | 3,003 |
| Return on assets (ROA) | 0.9661% | 3,029 |
| Pretax return on assets | 1.1369% | 3,018 |
| Return on Equity (ROE) | 9.3794% | 2,725 |
| Retained earnings to average equity (ytd only) | 7.5811% | 1,997 |
| Net charge-offs to loans | -0.9208% | 5,535 |
| Credit loss provision to net charge-offs | -13.2743% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6696% | 4,909 |
| Assets per employee ($millions) | 10.1945% | 307 |
| Cash dividends to net income (ytd only)* | 19.1729% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,010 |
| Loan loss allowance to noncurrent loans | 9,642.8571% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 5,103 |
| Noncurrent loans to loans | 0.0140% | 4,934 |
| Net loans and leases to total assets | 43.8920% | 4,904 |
| Net loans and leases to deposits | 50.0773% | 4,954 |
| Net loans and leases to core deposits | 83.0858% | 3,059 |
| Total domestic deposits to total assets | 87.6484% | 1,821 |
| Equity capital to assets | 9.9626% | 3,632 |
| Core capital (leverage) ratio | 11.2923% | 2,174 |
| Tier 1 risk-based capital ratio | 20.2585% | 1,303 |
| Total risk-based capital ratio | 21.3801% | 1,291 |
| Memoranda: | ||
| Average total assets | $110,128,500 | 4,061 |
| Average earning assets | $103,831,000 | 4,034 |
| Average equity | $11,344,000 | 4,219 |
| Average total loans | $49,085,500 | 4,466 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 5,050 |
| Cost of funding earning assets | 1.1510% | 96 |
| Net interest margin | 2.1759% | 5,545 |
| Noninterest income to average assets | 0.1813% | 5,049 |
| Noninterest expense to average assets | 1.3787% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6653% | 3,750 |
| Return on assets (ROA) | 0.6830% | 3,723 |
| Pretax return on assets | 0.8994% | 3,929 |
| Return on Equity (ROE) | 6.8800% | 3,340 |
| Retained earnings to average equity (ytd only) | 5.9217% | 1,583 |
| Net charge-offs to loans | -0.1849% | 5,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1465% | 4,090 |
| Assets per employee ($millions) | 9.8289% | 337 |
| Cash dividends to net income (ytd only)* | 13.9290% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 3,167 |
| Loan loss allowance to noncurrent loans | 27,350.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,191 |
| Noncurrent loans to loans | 0.0041% | 5,044 |
| Net loans and leases to total assets | 44.1453% | 4,971 |
| Net loans and leases to deposits | 50.7847% | 5,035 |
| Net loans and leases to core deposits | 67.5684% | 4,326 |
| Total domestic deposits to total assets | 86.9263% | 2,029 |
| Equity capital to assets | 10.6513% | 2,989 |
| Core capital (leverage) ratio | 10.7720% | 2,564 |
| Tier 1 risk-based capital ratio | 20.7248% | 1,190 |
| Total risk-based capital ratio | 21.6773% | 1,215 |
| Memoranda: | ||
| Average total assets | $111,412,200 | 4,031 |
| Average earning assets | $106,164,000 | 3,983 |
| Average equity | $11,061,000 | 4,288 |
| Average total loans | $43,801,400 | 4,618 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2598% | 5,160 |
| Cost of funding earning assets | 1.1428% | 92 |
| Net interest margin | 2.1169% | 5,619 |
| Noninterest income to average assets | 0.1734% | 5,148 |
| Noninterest expense to average assets | 1.3067% | 5,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7508% | 3,734 |
| Return on assets (ROA) | 0.7757% | 3,669 |
| Pretax return on assets | 0.9230% | 3,958 |
| Return on Equity (ROE) | 7.9530% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.3685% | 1,507 |
| Net charge-offs to loans | -0.1187% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3952% | 4,309 |
| Assets per employee ($millions) | 11.0479% | 231 |
| Cash dividends to net income (ytd only)* | 7.3509% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,070 |
| Loan loss allowance to noncurrent loans | 173.7931% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 4,019 |
| Noncurrent loans to loans | 0.6748% | 2,682 |
| Net loans and leases to total assets | 38.4426% | 5,249 |
| Net loans and leases to deposits | 44.1303% | 5,311 |
| Net loans and leases to core deposits | 58.6827% | 4,888 |
| Total domestic deposits to total assets | 87.1116% | 1,821 |
| Equity capital to assets | 10.5368% | 3,337 |
| Core capital (leverage) ratio | 10.6678% | 2,804 |
| Tier 1 risk-based capital ratio | 22.3394% | 1,012 |
| Total risk-based capital ratio | 23.2832% | 1,028 |
| Memoranda: | ||
| Average total assets | $112,235,750 | 4,066 |
| Average earning assets | $107,448,250 | 4,003 |
| Average equity | $10,947,250 | 4,349 |
| Average total loans | $42,682,750 | 4,697 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2369% | 5,195 |
| Cost of funding earning assets | 1.1333% | 83 |
| Net interest margin | 2.1036% | 5,672 |
| Noninterest income to average assets | 0.1631% | 5,242 |
| Noninterest expense to average assets | 1.3100% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7060% | 3,822 |
| Return on assets (ROA) | 0.7534% | 3,674 |
| Pretax return on assets | 0.9254% | 3,844 |
| Return on Equity (ROE) | 7.9321% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.0362% | 1,579 |
| Net charge-offs to loans | -0.1832% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1792% | 4,291 |
| Assets per employee ($millions) | 11.2955% | 209 |
| Cash dividends to net income (ytd only)* | 11.2941% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 3,074 |
| Loan loss allowance to noncurrent loans | 510.1010% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 4,843 |
| Noncurrent loans to loans | 0.2335% | 4,191 |
| Net loans and leases to total assets | 37.0944% | 5,332 |
| Net loans and leases to deposits | 42.4433% | 5,384 |
| Net loans and leases to core deposits | 55.7136% | 5,008 |
| Total domestic deposits to total assets | 87.3976% | 1,764 |
| Equity capital to assets | 10.1085% | 3,784 |
| Core capital (leverage) ratio | 10.3152% | 3,124 |
| Tier 1 risk-based capital ratio | 21.8620% | 1,068 |
| Total risk-based capital ratio | 22.8056% | 1,086 |
| Memoranda: | ||
| Average total assets | $112,821,330 | 4,079 |
| Average earning assets | $108,003,330 | 4,018 |
| Average equity | $10,716,000 | 4,407 |
| Average total loans | $42,585,330 | 4,728 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1793% | 5,267 |
| Cost of funding earning assets | 1.1291% | 79 |
| Net interest margin | 2.0502% | 5,750 |
| Noninterest income to average assets | 0.1774% | 5,214 |
| Noninterest expense to average assets | 1.2842% | 5,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7169% | 3,628 |
| Return on assets (ROA) | 0.7556% | 3,501 |
| Pretax return on assets | 0.8975% | 3,782 |
| Return on Equity (ROE) | 8.2200% | 2,798 |
| Retained earnings to average equity (ytd only) | 6.3676% | 2,153 |
| Net charge-offs to loans | 0.0281% | 2,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 655 |
| Efficiency ratio | 60.1329% | 4,438 |
| Assets per employee ($millions) | 10.1918% | 284 |
| Cash dividends to net income (ytd only)* | 22.5352% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,758 |
| Loan loss allowance to noncurrent loans | 152.8053% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 4,131 |
| Noncurrent loans to loans | 0.7138% | 2,707 |
| Net loans and leases to total assets | 37.4498% | 5,352 |
| Net loans and leases to deposits | 42.5104% | 5,400 |
| Net loans and leases to core deposits | 50.4530% | 5,203 |
| Total domestic deposits to total assets | 88.0956% | 1,666 |
| Equity capital to assets | 9.4488% | 4,340 |
| Core capital (leverage) ratio | 10.0971% | 3,380 |
| Tier 1 risk-based capital ratio | 20.8528% | 1,239 |
| Total risk-based capital ratio | 21.6934% | 1,282 |
| Memoranda: | ||
| Average total assets | $112,754,500 | 4,119 |
| Average earning assets | $107,695,000 | 4,052 |
| Average equity | $10,365,000 | 4,484 |
| Average total loans | $42,675,500 | 4,768 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1057% | 5,395 |
| Cost of funding earning assets | 1.0564% | 127 |
| Net interest margin | 2.0493% | 5,797 |
| Noninterest income to average assets | 0.1712% | 5,364 |
| Noninterest expense to average assets | 1.2445% | 5,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6943% | 3,808 |
| Return on assets (ROA) | 1.0085% | 2,416 |
| Pretax return on assets | 1.3083% | 2,250 |
| Return on Equity (ROE) | 10.2263% | 1,872 |
| Retained earnings to average equity (ytd only) | 7.7349% | 948 |
| Net charge-offs to loans | 0.3895% | 685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.5484% | 3,155 |
| Efficiency ratio | 58.0232% | 4,847 |
| Assets per employee ($millions) | 11.3399% | 204 |
| Cash dividends to net income (ytd only)* | 24.3624% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,790 |
| Loan loss allowance to noncurrent loans | 763.9344% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 5,127 |
| Noncurrent loans to loans | 0.1422% | 4,662 |
| Net loans and leases to total assets | 37.4227% | 5,426 |
| Net loans and leases to deposits | 42.2452% | 5,484 |
| Net loans and leases to core deposits | 60.3364% | 4,847 |
| Total domestic deposits to total assets | 88.5846% | 1,331 |
| Equity capital to assets | 8.9392% | 4,872 |
| Core capital (leverage) ratio | 9.9330% | 3,586 |
| Tier 1 risk-based capital ratio | 20.1201% | 1,355 |
| Total risk-based capital ratio | 20.9482% | 1,402 |
| Memoranda: | ||
| Average total assets | $112,740,000 | 4,111 |
| Average earning assets | $108,574,000 | 4,031 |
| Average equity | $11,118,400 | 4,412 |
| Average total loans | $39,791,800 | 4,889 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0979% | 5,473 |
| Cost of funding earning assets | 1.0461% | 132 |
| Net interest margin | 2.0517% | 5,861 |
| Noninterest income to average assets | 0.1694% | 5,421 |
| Noninterest expense to average assets | 1.2377% | 5,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6875% | 3,921 |
| Return on assets (ROA) | 1.0683% | 2,234 |
| Pretax return on assets | 1.4118% | 1,998 |
| Return on Equity (ROE) | 10.5831% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.5831% | 477 |
| Net charge-offs to loans | -0.2358% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6075% | 4,872 |
| Assets per employee ($millions) | 11.3956% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 1,334 |
| Loan loss allowance to noncurrent loans | 1,045.4545% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 5,216 |
| Noncurrent loans to loans | 0.1574% | 4,723 |
| Net loans and leases to total assets | 36.1824% | 5,544 |
| Net loans and leases to deposits | 41.3490% | 5,600 |
| Net loans and leases to core deposits | 61.1796% | 4,877 |
| Total domestic deposits to total assets | 87.5048% | 1,662 |
| Equity capital to assets | 10.4093% | 3,670 |
| Core capital (leverage) ratio | 9.9383% | 3,650 |
| Tier 1 risk-based capital ratio | 21.3608% | 1,210 |
| Total risk-based capital ratio | 22.6107% | 1,197 |
| Memoranda: | ||
| Average total assets | $112,575,250 | 4,147 |
| Average earning assets | $108,588,500 | 4,056 |
| Average equity | $11,363,750 | 4,401 |
| Average total loans | $39,014,000 | 4,955 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1098% | 5,536 |
| Cost of funding earning assets | 1.0446% | 125 |
| Net interest margin | 2.0652% | 5,939 |
| Noninterest income to average assets | 0.1730% | 5,456 |
| Noninterest expense to average assets | 1.2648% | 5,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6765% | 3,918 |
| Return on assets (ROA) | 1.1167% | 2,015 |
| Pretax return on assets | 1.4878% | 1,713 |
| Return on Equity (ROE) | 11.1809% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.1809% | 418 |
| Net charge-offs to loans | -0.3575% | 5,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4020% | 4,846 |
| Assets per employee ($millions) | 11.3497% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 1,088 |
| Loan loss allowance to noncurrent loans | 918.6667% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 5,290 |
| Noncurrent loans to loans | 0.1951% | 4,657 |
| Net loans and leases to total assets | 33.2608% | 5,705 |
| Net loans and leases to deposits | 37.9676% | 5,745 |
| Net loans and leases to core deposits | 55.4267% | 5,206 |
| Total domestic deposits to total assets | 87.6032% | 1,624 |
| Equity capital to assets | 10.6628% | 3,452 |
| Core capital (leverage) ratio | 9.8757% | 3,717 |
| Tier 1 risk-based capital ratio | 22.0747% | 1,129 |
| Total risk-based capital ratio | 23.3268% | 1,115 |
| Memoranda: | ||
| Average total assets | $112,115,000 | 4,185 |
| Average earning assets | $108,172,670 | 4,095 |
| Average equity | $11,197,670 | 4,453 |
| Average total loans | $38,044,670 | 5,038 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0140% | 5,676 |
| Cost of funding earning assets | 1.0581% | 114 |
| Net interest margin | 1.9560% | 6,022 |
| Noninterest income to average assets | 0.1651% | 5,503 |
| Noninterest expense to average assets | 1.1847% | 6,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6729% | 3,862 |
| Return on assets (ROA) | 0.9585% | 2,585 |
| Pretax return on assets | 1.2313% | 2,576 |
| Return on Equity (ROE) | 9.9390% | 2,007 |
| Retained earnings to average equity (ytd only) | 9.9390% | 856 |
| Net charge-offs to loans | -0.1374% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7933% | 5,022 |
| Assets per employee ($millions) | 10.0615% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 1,326 |
| Loan loss allowance to noncurrent loans | 720.4545% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 5,257 |
| Noncurrent loans to loans | 0.2378% | 4,581 |
| Net loans and leases to total assets | 32.8581% | 5,760 |
| Net loans and leases to deposits | 36.6800% | 5,810 |
| Net loans and leases to core deposits | 52.3139% | 5,333 |
| Total domestic deposits to total assets | 89.5804% | 798 |
| Equity capital to assets | 9.9037% | 4,210 |
| Core capital (leverage) ratio | 9.6708% | 3,945 |
| Tier 1 risk-based capital ratio | 21.8443% | 1,186 |
| Total risk-based capital ratio | 23.0941% | 1,167 |
| Memoranda: | ||
| Average total assets | $111,424,000 | 4,236 |
| Average earning assets | $107,364,500 | 4,142 |
| Average equity | $10,745,500 | 4,551 |
| Average total loans | $37,847,500 | 5,082 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1256% | 5,607 |
| Cost of funding earning assets | 1.0573% | 126 |
| Net interest margin | 2.0683% | 6,035 |
| Noninterest income to average assets | 0.2917% | 4,803 |
| Noninterest expense to average assets | 1.2778% | 6,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8527% | 3,099 |
| Return on assets (ROA) | 1.2163% | 1,560 |
| Pretax return on assets | 1.4363% | 1,765 |
| Return on Equity (ROE) | 13.0534% | 1,050 |
| Retained earnings to average equity (ytd only) | 11.1429% | 337 |
| Net charge-offs to loans | 0.2933% | 1,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.5049% | 2,677 |
| Efficiency ratio | 55.8907% | 5,355 |
| Assets per employee ($millions) | 10.1975% | 253 |
| Cash dividends to net income (ytd only)* | 14.6360% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 1,598 |
| Loan loss allowance to noncurrent loans | 667.7419% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 5,301 |
| Noncurrent loans to loans | 0.2403% | 4,570 |
| Net loans and leases to total assets | 33.9425% | 5,780 |
| Net loans and leases to deposits | 37.6534% | 5,845 |
| Net loans and leases to core deposits | 45.2384% | 5,675 |
| Total domestic deposits to total assets | 90.1446% | 575 |
| Equity capital to assets | 9.3874% | 4,689 |
| Core capital (leverage) ratio | 9.4723% | 4,218 |
| Tier 1 risk-based capital ratio | 21.0829% | 1,282 |
| Total risk-based capital ratio | 22.3301% | 1,264 |
| Memoranda: | ||
| Average total assets | $107,292,800 | 4,313 |
| Average earning assets | $103,469,000 | 4,199 |
| Average equity | $9,997,400 | 4,663 |
| Average total loans | $35,112,800 | 5,190 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1140% | 5,690 |
| Cost of funding earning assets | 1.0576% | 126 |
| Net interest margin | 2.0565% | 6,123 |
| Noninterest income to average assets | 0.3331% | 4,558 |
| Noninterest expense to average assets | 1.2494% | 6,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8816% | 3,034 |
| Return on assets (ROA) | 1.3362% | 1,300 |
| Pretax return on assets | 1.6202% | 1,330 |
| Return on Equity (ROE) | 14.3680% | 830 |
| Retained earnings to average equity (ytd only) | 14.3680% | 193 |
| Net charge-offs to loans | 0.3897% | 661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.4800% | 2,812 |
| Efficiency ratio | 53.9631% | 5,518 |
| Assets per employee ($millions) | 9.9861% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 1,458 |
| Loan loss allowance to noncurrent loans | 605.8252% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 5,376 |
| Noncurrent loans to loans | 0.2814% | 4,574 |
| Net loans and leases to total assets | 32.7565% | 5,900 |
| Net loans and leases to deposits | 36.6849% | 5,967 |
| Net loans and leases to core deposits | 46.4722% | 5,719 |
| Total domestic deposits to total assets | 89.2915% | 876 |
| Equity capital to assets | 9.3211% | 4,980 |
| Core capital (leverage) ratio | 9.5466% | 4,242 |
| Tier 1 risk-based capital ratio | 21.2623% | 1,298 |
| Total risk-based capital ratio | 22.5116% | 1,281 |
| Memoranda: | ||
| Average total assets | $106,073,000 | 4,381 |
| Average earning assets | $102,243,750 | 4,271 |
| Average equity | $9,864,250 | 4,737 |
| Average total loans | $34,217,250 | 5,272 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1145% | 5,730 |
| Cost of funding earning assets | 1.0481% | 132 |
| Net interest margin | 2.0665% | 6,186 |
| Noninterest income to average assets | 0.4141% | 3,975 |
| Noninterest expense to average assets | 1.2365% | 6,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9399% | 2,688 |
| Return on assets (ROA) | 1.5857% | 799 |
| Pretax return on assets | 1.9787% | 621 |
| Return on Equity (ROE) | 17.0648% | 476 |
| Retained earnings to average equity (ytd only) | 17.0648% | 123 |
| Net charge-offs to loans | -0.0359% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3471% | 5,764 |
| Assets per employee ($millions) | 9.8025% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 949 |
| Loan loss allowance to noncurrent loans | 623.9316% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 5,228 |
| Noncurrent loans to loans | 0.3247% | 4,535 |
| Net loans and leases to total assets | 32.7447% | 5,939 |
| Net loans and leases to deposits | 36.5107% | 6,018 |
| Net loans and leases to core deposits | 45.7476% | 5,780 |
| Total domestic deposits to total assets | 89.6854% | 796 |
| Equity capital to assets | 8.8660% | 5,379 |
| Core capital (leverage) ratio | 9.5685% | 4,181 |
| Tier 1 risk-based capital ratio | 21.1032% | 1,335 |
| Total risk-based capital ratio | 22.3569% | 1,316 |
| Memoranda: | ||
| Average total assets | $104,815,000 | 4,447 |
| Average earning assets | $101,139,330 | 4,343 |
| Average equity | $9,739,330 | 4,797 |
| Average total loans | $33,421,000 | 5,346 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1164% | 5,761 |
| Cost of funding earning assets | 1.0401% | 141 |
| Net interest margin | 2.0763% | 6,252 |
| Noninterest income to average assets | 0.6544% | 2,384 |
| Noninterest expense to average assets | 1.2506% | 6,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1138% | 1,821 |
| Return on assets (ROA) | 2.1799% | 257 |
| Pretax return on assets | 2.7800% | 168 |
| Return on Equity (ROE) | 22.9118% | 156 |
| Retained earnings to average equity (ytd only) | 22.9118% | 63 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9477% | 6,066 |
| Assets per employee ($millions) | 9.5617% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2235% | 782 |
| Loan loss allowance to noncurrent loans | 565.6250% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 5,248 |
| Noncurrent loans to loans | 0.3931% | 4,416 |
| Net loans and leases to total assets | 30.2703% | 6,063 |
| Net loans and leases to deposits | 34.0062% | 6,122 |
| Net loans and leases to core deposits | 42.5551% | 5,889 |
| Total domestic deposits to total assets | 89.0140% | 1,259 |
| Equity capital to assets | 9.4667% | 4,787 |
| Core capital (leverage) ratio | 9.5506% | 4,201 |
| Tier 1 risk-based capital ratio | 22.7600% | 1,140 |
| Total risk-based capital ratio | 24.0095% | 1,121 |
| Memoranda: | ||
| Average total assets | $103,308,500 | 4,517 |
| Average earning assets | $99,986,500 | 4,398 |
| Average equity | $9,829,000 | 4,818 |
| Average total loans | $32,112,500 | 5,436 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2716% | 5,743 |
| Cost of funding earning assets | 1.0315% | 195 |
| Net interest margin | 2.2401% | 6,292 |
| Noninterest income to average assets | 0.4418% | 3,887 |
| Noninterest expense to average assets | 1.1522% | 6,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1405% | 1,815 |
| Return on assets (ROA) | 1.3424% | 1,251 |
| Pretax return on assets | 1.7087% | 968 |
| Return on Equity (ROE) | 15.1240% | 761 |
| Retained earnings to average equity (ytd only) | 12.9586% | 230 |
| Net charge-offs to loans | -0.0536% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2256% | 6,312 |
| Assets per employee ($millions) | 10.1438% | 241 |
| Cash dividends to net income (ytd only)* | 14.3178% | 4,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2866% | 735 |
| Loan loss allowance to noncurrent loans | 371.2821% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 5,262 |
| Noncurrent loans to loans | 0.6159% | 3,838 |
| Net loans and leases to total assets | 30.5004% | 6,160 |
| Net loans and leases to deposits | 34.7938% | 6,201 |
| Net loans and leases to core deposits | 42.2612% | 6,028 |
| Total domestic deposits to total assets | 87.6604% | 1,948 |
| Equity capital to assets | 9.5635% | 4,633 |
| Core capital (leverage) ratio | 9.1844% | 4,702 |
| Tier 1 risk-based capital ratio | 21.1355% | 1,377 |
| Total risk-based capital ratio | 22.3896% | 1,347 |
| Memoranda: | ||
| Average total assets | $99,374,000 | 4,617 |
| Average earning assets | $95,976,600 | 4,507 |
| Average equity | $8,820,400 | 5,022 |
| Average total loans | $29,827,600 | 5,570 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 5,814 |
| Cost of funding earning assets | 1.0248% | 221 |
| Net interest margin | 2.2424% | 6,366 |
| Noninterest income to average assets | 0.5260% | 3,349 |
| Noninterest expense to average assets | 1.1208% | 6,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2200% | 1,604 |
| Return on assets (ROA) | 1.4094% | 1,154 |
| Pretax return on assets | 1.8113% | 876 |
| Return on Equity (ROE) | 16.2007% | 657 |
| Retained earnings to average equity (ytd only) | 16.2007% | 160 |
| Net charge-offs to loans | -0.0409% | 5,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6750% | 6,421 |
| Assets per employee ($millions) | 10.0621% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 696 |
| Loan loss allowance to noncurrent loans | 543.1818% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 5,647 |
| Noncurrent loans to loans | 0.4481% | 4,554 |
| Net loans and leases to total assets | 28.5656% | 6,302 |
| Net loans and leases to deposits | 32.6540% | 6,330 |
| Net loans and leases to core deposits | 38.8466% | 6,213 |
| Total domestic deposits to total assets | 87.4798% | 2,037 |
| Equity capital to assets | 9.5070% | 4,787 |
| Core capital (leverage) ratio | 9.2080% | 4,776 |
| Tier 1 risk-based capital ratio | 21.5778% | 1,326 |
| Total risk-based capital ratio | 22.8322% | 1,308 |
| Memoranda: | ||
| Average total assets | $98,858,000 | 4,670 |
| Average earning assets | $95,369,500 | 4,565 |
| Average equity | $8,600,250 | 5,105 |
| Average total loans | $29,368,750 | 5,646 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 5,802 |
| Cost of funding earning assets | 1.0175% | 238 |
| Net interest margin | 2.2756% | 6,423 |
| Noninterest income to average assets | 0.6960% | 2,303 |
| Noninterest expense to average assets | 1.1295% | 6,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3406% | 1,201 |
| Return on assets (ROA) | 1.5386% | 849 |
| Pretax return on assets | 2.0210% | 537 |
| Return on Equity (ROE) | 18.2646% | 436 |
| Retained earnings to average equity (ytd only) | 18.2646% | 118 |
| Net charge-offs to loans | -0.0136% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0845% | 6,538 |
| Assets per employee ($millions) | 9.9283% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5244% | 689 |
| Loan loss allowance to noncurrent loans | 507.1429% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 5,729 |
| Noncurrent loans to loans | 0.4978% | 4,503 |
| Net loans and leases to total assets | 27.6130% | 6,377 |
| Net loans and leases to deposits | 30.9753% | 6,410 |
| Net loans and leases to core deposits | 36.5933% | 6,316 |
| Total domestic deposits to total assets | 89.1452% | 1,281 |
| Equity capital to assets | 9.2433% | 5,047 |
| Core capital (leverage) ratio | 9.0225% | 4,986 |
| Tier 1 risk-based capital ratio | 20.6972% | 1,509 |
| Total risk-based capital ratio | 21.9529% | 1,487 |
| Memoranda: | ||
| Average total assets | $98,270,330 | 4,722 |
| Average earning assets | $94,743,330 | 4,622 |
| Average equity | $8,278,330 | 5,196 |
| Average total loans | $29,338,330 | 5,684 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3438% | 5,761 |
| Cost of funding earning assets | 0.9955% | 278 |
| Net interest margin | 2.3483% | 6,451 |
| Noninterest income to average assets | 0.2373% | 5,463 |
| Noninterest expense to average assets | 1.2029% | 6,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0146% | 2,154 |
| Return on assets (ROA) | 1.3993% | 1,032 |
| Pretax return on assets | 1.7798% | 827 |
| Return on Equity (ROE) | 17.4735% | 490 |
| Retained earnings to average equity (ytd only) | 17.4735% | 201 |
| Net charge-offs to loans | -0.1336% | 6,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1967% | 6,348 |
| Assets per employee ($millions) | 9.9659% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3877% | 929 |
| Loan loss allowance to noncurrent loans | 359.0000% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 5,623 |
| Noncurrent loans to loans | 0.6651% | 4,200 |
| Net loans and leases to total assets | 29.4534% | 6,374 |
| Net loans and leases to deposits | 32.6536% | 6,411 |
| Net loans and leases to core deposits | 37.5315% | 6,325 |
| Total domestic deposits to total assets | 90.1996% | 969 |
| Equity capital to assets | 8.2983% | 5,827 |
| Core capital (leverage) ratio | 8.6778% | 5,416 |
| Tier 1 risk-based capital ratio | 18.1774% | 2,217 |
| Total risk-based capital ratio | 19.3844% | 2,214 |
| Memoranda: | ||
| Average total assets | $97,764,000 | 4,778 |
| Average earning assets | $94,025,000 | 4,685 |
| Average equity | $7,829,000 | 5,337 |
| Average total loans | $29,945,000 | 5,716 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1414% | 6,200 |
| Cost of funding earning assets | 1.0516% | 353 |
| Net interest margin | 2.0898% | 6,623 |
| Noninterest income to average assets | 0.2883% | 5,298 |
| Noninterest expense to average assets | 1.2735% | 6,690 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8396% | 3,089 |
| Return on assets (ROA) | 1.2198% | 1,564 |
| Pretax return on assets | 1.4898% | 1,477 |
| Return on Equity (ROE) | 15.2342% | 718 |
| Retained earnings to average equity (ytd only) | 14.9117% | 172 |
| Net charge-offs to loans | -0.1614% | 6,586 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3789% | 6,010 |
| Assets per employee ($millions) | 10.6521% | 192 |
| Cash dividends to net income (ytd only)* | 2.1164% | 4,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3743% | 957 |
| Loan loss allowance to noncurrent loans | 295.0000% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 5,511 |
| Noncurrent loans to loans | 0.8049% | 3,964 |
| Net loans and leases to total assets | 30.3654% | 6,446 |
| Net loans and leases to deposits | 33.8185% | 6,492 |
| Net loans and leases to core deposits | 37.6588% | 6,427 |
| Total domestic deposits to total assets | 89.7892% | 1,186 |
| Equity capital to assets | 7.7063% | 6,183 |
| Core capital (leverage) ratio | 8.4927% | 5,680 |
| Tier 1 risk-based capital ratio | 17.9039% | 2,272 |
| Total risk-based capital ratio | 19.1557% | 2,235 |
| Memoranda: | ||
| Average total assets | $92,968,600 | 4,909 |
| Average earning assets | $89,481,600 | 4,792 |
| Average equity | $7,443,800 | 5,470 |
| Average total loans | $27,873,800 | 5,854 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0570% | 6,361 |
| Cost of funding earning assets | 1.0615% | 371 |
| Net interest margin | 1.9955% | 6,728 |
| Noninterest income to average assets | 0.2746% | 5,478 |
| Noninterest expense to average assets | 1.2344% | 6,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7958% | 3,367 |
| Return on assets (ROA) | 1.2517% | 1,554 |
| Pretax return on assets | 1.5105% | 1,575 |
| Return on Equity (ROE) | 15.4824% | 719 |
| Retained earnings to average equity (ytd only) | 15.4824% | 177 |
| Net charge-offs to loans | -0.1655% | 6,615 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2212% | 5,875 |
| Assets per employee ($millions) | 10.7627% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4177% | 1,026 |
| Loan loss allowance to noncurrent loans | 265.0190% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 5,629 |
| Noncurrent loans to loans | 0.9123% | 3,993 |
| Net loans and leases to total assets | 29.0428% | 6,560 |
| Net loans and leases to deposits | 31.8986% | 6,623 |
| Net loans and leases to core deposits | 36.1910% | 6,554 |
| Total domestic deposits to total assets | 91.0472% | 512 |
| Equity capital to assets | 7.5343% | 6,380 |
| Core capital (leverage) ratio | 8.3701% | 5,892 |
| Tier 1 risk-based capital ratio | 17.8459% | 2,382 |
| Total risk-based capital ratio | 19.0598% | 2,364 |
| Memoranda: | ||
| Average total assets | $92,243,500 | 4,970 |
| Average earning assets | $88,799,500 | 4,851 |
| Average equity | $7,457,750 | 5,524 |
| Average total loans | $27,387,500 | 5,929 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0668% | 6,380 |
| Cost of funding earning assets | 1.0711% | 387 |
| Net interest margin | 1.9957% | 6,767 |
| Noninterest income to average assets | 0.2734% | 5,495 |
| Noninterest expense to average assets | 1.2701% | 6,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7652% | 3,492 |
| Return on assets (ROA) | 1.2282% | 1,624 |
| Pretax return on assets | 1.4840% | 1,668 |
| Return on Equity (ROE) | 14.8316% | 838 |
| Retained earnings to average equity (ytd only) | 14.8316% | 246 |
| Net charge-offs to loans | -0.1635% | 6,613 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8313% | 5,759 |
| Assets per employee ($millions) | 10.3024% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5196% | 964 |
| Loan loss allowance to noncurrent loans | 254.6468% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 5,609 |
| Noncurrent loans to loans | 0.9894% | 3,958 |
| Net loans and leases to total assets | 28.5822% | 6,620 |
| Net loans and leases to deposits | 31.2911% | 6,671 |
| Net loans and leases to core deposits | 35.6243% | 6,611 |
| Total domestic deposits to total assets | 91.3429% | 430 |
| Equity capital to assets | 7.1720% | 6,555 |
| Core capital (leverage) ratio | 8.1483% | 6,061 |
| Tier 1 risk-based capital ratio | 17.7820% | 2,400 |
| Total risk-based capital ratio | 19.0142% | 2,375 |
| Memoranda: | ||
| Average total assets | $90,703,330 | 5,045 |
| Average earning assets | $87,388,330 | 4,918 |
| Average equity | $7,511,000 | 5,559 |
| Average total loans | $26,907,000 | 5,982 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0477% | 6,459 |
| Cost of funding earning assets | 1.0835% | 404 |
| Net interest margin | 1.9642% | 6,855 |
| Noninterest income to average assets | 0.2631% | 5,581 |
| Noninterest expense to average assets | 1.3780% | 6,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6562% | 3,923 |
| Return on assets (ROA) | 1.1818% | 1,692 |
| Pretax return on assets | 1.4182% | 1,804 |
| Return on Equity (ROE) | 13.3476% | 1,087 |
| Retained earnings to average equity (ytd only) | 13.3476% | 514 |
| Net charge-offs to loans | -0.1345% | 6,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7113% | 5,052 |
| Assets per employee ($millions) | 8.9889% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5241% | 1,082 |
| Loan loss allowance to noncurrent loans | 242.5993% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 5,654 |
| Noncurrent loans to loans | 1.0405% | 4,060 |
| Net loans and leases to total assets | 28.8701% | 6,639 |
| Net loans and leases to deposits | 32.2013% | 6,684 |
| Net loans and leases to core deposits | 37.1604% | 6,591 |
| Total domestic deposits to total assets | 89.6550% | 1,260 |
| Equity capital to assets | 8.7831% | 5,723 |
| Core capital (leverage) ratio | 8.1006% | 6,042 |
| Tier 1 risk-based capital ratio | 18.9569% | 2,054 |
| Total risk-based capital ratio | 20.2126% | 2,029 |
| Memoranda: | ||
| Average total assets | $89,694,000 | 5,103 |
| Average earning assets | $86,753,000 | 4,967 |
| Average equity | $7,941,500 | 5,503 |
| Average total loans | $26,767,000 | 6,034 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 6,382 |
| Cost of funding earning assets | 1.2439% | 473 |
| Net interest margin | 2.2313% | 6,869 |
| Noninterest income to average assets | 0.0470% | 6,702 |
| Noninterest expense to average assets | 1.4159% | 6,905 |
| Loan and lease loss provision to assets | -0.1174% | 6,935 |
| Net operating income to assets | 0.7157% | 3,663 |
| Return on assets (ROA) | 1.3642% | 1,292 |
| Pretax return on assets | 1.6930% | 1,150 |
| Return on Equity (ROE) | 15.7448% | 697 |
| Retained earnings to average equity (ytd only) | 15.4196% | 140 |
| Net charge-offs to loans | 0.1580% | 4,116 |
| Credit loss provision to net charge-offs | -222.2222% | 6,406 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,719 |
| Efficiency ratio | 64.6302% | 4,769 |
| Assets per employee ($millions) | 9.9443% | 244 |
| Cash dividends to net income (ytd only)* | 2.0654% | 4,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4637% | 1,164 |
| Loan loss allowance to noncurrent loans | 228.6207% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 5,698 |
| Noncurrent loans to loans | 1.0776% | 4,048 |
| Net loans and leases to total assets | 29.3277% | 6,719 |
| Net loans and leases to deposits | 32.8231% | 6,766 |
| Net loans and leases to core deposits | 38.1739% | 6,664 |
| Total domestic deposits to total assets | 89.3507% | 1,333 |
| Equity capital to assets | 8.9252% | 5,607 |
| Core capital (leverage) ratio | 7.9578% | 6,233 |
| Tier 1 risk-based capital ratio | 18.2731% | 2,178 |
| Total risk-based capital ratio | 19.5466% | 2,131 |
| Memoranda: | ||
| Average total assets | $85,176,600 | 5,210 |
| Average earning assets | $81,836,200 | 5,075 |
| Average equity | $7,380,200 | 5,669 |
| Average total loans | $28,482,600 | 6,020 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 6,376 |
| Cost of funding earning assets | 1.2745% | 491 |
| Net interest margin | 2.3391% | 6,924 |
| Noninterest income to average assets | 0.2346% | 5,873 |
| Noninterest expense to average assets | 1.4428% | 6,967 |
| Loan and lease loss provision to assets | -0.1585% | 7,074 |
| Net operating income to assets | 0.9945% | 2,541 |
| Return on assets (ROA) | 1.2287% | 1,810 |
| Pretax return on assets | 1.4761% | 1,976 |
| Return on Equity (ROE) | 14.2954% | 1,045 |
| Retained earnings to average equity (ytd only) | 14.2954% | 279 |
| Net charge-offs to loans | 0.2540% | 3,199 |
| Credit loss provision to net charge-offs | -181.8182% | 6,317 |
| Earnings coverage of net charge-offs (x) | 11.8729% | 2,045 |
| Efficiency ratio | 58.2214% | 5,759 |
| Assets per employee ($millions) | 9.9129% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4306% | 1,300 |
| Loan loss allowance to noncurrent loans | 343.6842% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 5,595 |
| Noncurrent loans to loans | 0.7072% | 5,025 |
| Net loans and leases to total assets | 29.3815% | 6,834 |
| Net loans and leases to deposits | 32.4905% | 6,903 |
| Net loans and leases to core deposits | 37.8992% | 6,812 |
| Total domestic deposits to total assets | 90.4311% | 619 |
| Equity capital to assets | 8.8549% | 5,972 |
| Core capital (leverage) ratio | 7.6184% | 6,554 |
| Tier 1 risk-based capital ratio | 17.7536% | 2,443 |
| Total risk-based capital ratio | 19.0074% | 2,413 |
| Memoranda: | ||
| Average total assets | $84,096,000 | 5,297 |
| Average earning assets | $80,655,500 | 5,157 |
| Average equity | $7,228,250 | 5,764 |
| Average total loans | $28,875,500 | 6,071 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 6,284 |
| Cost of funding earning assets | 1.2956% | 539 |
| Net interest margin | 2.4368% | 6,940 |
| Noninterest income to average assets | 0.3884% | 4,737 |
| Noninterest expense to average assets | 1.4492% | 7,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0442% | 2,273 |
| Return on assets (ROA) | 1.2890% | 1,621 |
| Pretax return on assets | 1.5754% | 1,623 |
| Return on Equity (ROE) | 15.1620% | 908 |
| Retained earnings to average equity (ytd only) | 15.1620% | 275 |
| Net charge-offs to loans | -0.2302% | 7,029 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1612% | 6,403 |
| Assets per employee ($millions) | 9.5393% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0370% | 751 |
| Loan loss allowance to noncurrent loans | 245.4810% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 4,825 |
| Noncurrent loans to loans | 1.2372% | 4,075 |
| Net loans and leases to total assets | 31.3125% | 6,838 |
| Net loans and leases to deposits | 34.4959% | 6,909 |
| Net loans and leases to core deposits | 40.5218% | 6,788 |
| Total domestic deposits to total assets | 90.7715% | 536 |
| Equity capital to assets | 8.5610% | 6,151 |
| Core capital (leverage) ratio | 7.7204% | 6,505 |
| Tier 1 risk-based capital ratio | 16.8710% | 2,731 |
| Total risk-based capital ratio | 18.1512% | 2,677 |
| Memoranda: | ||
| Average total assets | $82,389,330 | 5,372 |
| Average earning assets | $79,037,670 | 5,239 |
| Average equity | $7,004,330 | 5,848 |
| Average total loans | $29,545,330 | 6,089 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 6,071 |
| Cost of funding earning assets | 1.3157% | 591 |
| Net interest margin | 2.5640% | 6,904 |
| Noninterest income to average assets | 0.4067% | 4,626 |
| Noninterest expense to average assets | 1.5076% | 7,055 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0490% | 2,291 |
| Return on assets (ROA) | 1.5225% | 1,103 |
| Pretax return on assets | 1.9688% | 782 |
| Return on Equity (ROE) | 17.9756% | 552 |
| Retained earnings to average equity (ytd only) | 17.9756% | 257 |
| Net charge-offs to loans | -0.2758% | 7,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6863% | 6,474 |
| Assets per employee ($millions) | 9.1094% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7378% | 1,074 |
| Loan loss allowance to noncurrent loans | 185.0446% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9502% | 4,606 |
| Noncurrent loans to loans | 1.4795% | 3,900 |
| Net loans and leases to total assets | 35.9224% | 6,625 |
| Net loans and leases to deposits | 39.5592% | 6,755 |
| Net loans and leases to core deposits | 46.6676% | 6,527 |
| Total domestic deposits to total assets | 90.8069% | 642 |
| Equity capital to assets | 8.4357% | 6,142 |
| Core capital (leverage) ratio | 7.6810% | 6,502 |
| Tier 1 risk-based capital ratio | 15.8456% | 3,250 |
| Total risk-based capital ratio | 17.1264% | 3,209 |
| Memoranda: | ||
| Average total assets | $80,657,000 | 5,452 |
| Average earning assets | $77,223,000 | 5,322 |
| Average equity | $6,831,500 | 5,921 |
| Average total loans | $30,455,500 | 6,093 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 5,945 |
| Cost of funding earning assets | 1.5014% | 718 |
| Net interest margin | 2.7383% | 6,897 |
| Noninterest income to average assets | 0.0263% | 6,915 |
| Noninterest expense to average assets | 1.5682% | 7,134 |
| Loan and lease loss provision to assets | 0.8143% | 1,197 |
| Net operating income to assets | 0.2397% | 5,462 |
| Return on assets (ROA) | 0.9299% | 2,601 |
| Pretax return on assets | 0.9890% | 3,281 |
| Return on Equity (ROE) | 11.4898% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.4898% | 349 |
| Net charge-offs to loans | 0.5544% | 2,795 |
| Credit loss provision to net charge-offs | 354.2857% | 653 |
| Earnings coverage of net charge-offs (x) | 4.6514% | 3,033 |
| Efficiency ratio | 59.4622% | 5,833 |
| Assets per employee ($millions) | 8.8143% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6379% | 1,145 |
| Loan loss allowance to noncurrent loans | 176.0349% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0072% | 4,597 |
| Noncurrent loans to loans | 1.4985% | 3,900 |
| Net loans and leases to total assets | 37.5941% | 6,664 |
| Net loans and leases to deposits | 41.6383% | 6,808 |
| Net loans and leases to core deposits | 48.4336% | 6,616 |
| Total domestic deposits to total assets | 90.2873% | 823 |
| Equity capital to assets | 8.5051% | 6,145 |
| Core capital (leverage) ratio | 7.5537% | 6,621 |
| Tier 1 risk-based capital ratio | 15.1176% | 3,568 |
| Total risk-based capital ratio | 16.3970% | 3,514 |
| Memoranda: | ||
| Average total assets | $76,140,000 | 5,559 |
| Average earning assets | $72,600,200 | 5,459 |
| Average equity | $6,162,000 | 6,113 |
| Average total loans | $31,566,800 | 6,094 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 5,698 |
| Cost of funding earning assets | 1.5379% | 748 |
| Net interest margin | 2.8344% | 6,850 |
| Noninterest income to average assets | 0.2318% | 5,962 |
| Noninterest expense to average assets | 1.6458% | 7,145 |
| Loan and lease loss provision to assets | 0.1593% | 4,476 |
| Net operating income to assets | 0.8758% | 2,836 |
| Return on assets (ROA) | 1.6989% | 692 |
| Pretax return on assets | 2.1961% | 428 |
| Return on Equity (ROE) | 21.2770% | 246 |
| Retained earnings to average equity (ytd only) | 21.2770% | 58 |
| Net charge-offs to loans | -0.0168% | 6,871 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1255% | 6,269 |
| Assets per employee ($millions) | 8.7504% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 4,436 |
| Loan loss allowance to noncurrent loans | 37.7063% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 2.1358% | 2,993 |
| Noncurrent loans to loans | 3.7803% | 1,790 |
| Net loans and leases to total assets | 40.1300% | 6,618 |
| Net loans and leases to deposits | 44.6851% | 6,801 |
| Net loans and leases to core deposits | 52.3046% | 6,545 |
| Total domestic deposits to total assets | 89.8062% | 971 |
| Equity capital to assets | 8.7742% | 6,005 |
| Core capital (leverage) ratio | 8.0997% | 6,283 |
| Tier 1 risk-based capital ratio | 15.3004% | 3,492 |
| Total risk-based capital ratio | 16.4227% | 3,530 |
| Memoranda: | ||
| Average total assets | $75,342,750 | 5,632 |
| Average earning assets | $71,783,500 | 5,524 |
| Average equity | $6,015,750 | 6,200 |
| Average total loans | $31,800,750 | 6,147 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 5,511 |
| Cost of funding earning assets | 1.5960% | 703 |
| Net interest margin | 2.8581% | 6,853 |
| Noninterest income to average assets | 0.2291% | 6,024 |
| Noninterest expense to average assets | 1.7681% | 7,113 |
| Loan and lease loss provision to assets | 0.1617% | 4,306 |
| Net operating income to assets | 0.8063% | 3,041 |
| Return on assets (ROA) | 1.7061% | 640 |
| Pretax return on assets | 2.1750% | 426 |
| Return on Equity (ROE) | 22.1419% | 233 |
| Retained earnings to average equity (ytd only) | 22.1419% | 72 |
| Net charge-offs to loans | -0.0252% | 6,882 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9087% | 5,887 |
| Assets per employee ($millions) | 7.4972% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 4,716 |
| Loan loss allowance to noncurrent loans | 31.2363% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 2.4943% | 2,674 |
| Noncurrent loans to loans | 4.3923% | 1,532 |
| Net loans and leases to total assets | 40.9433% | 6,673 |
| Net loans and leases to deposits | 45.2216% | 6,868 |
| Net loans and leases to core deposits | 51.3165% | 6,699 |
| Total domestic deposits to total assets | 90.5391% | 702 |
| Equity capital to assets | 8.3591% | 6,354 |
| Core capital (leverage) ratio | 7.8279% | 6,486 |
| Tier 1 risk-based capital ratio | 14.3860% | 3,878 |
| Total risk-based capital ratio | 15.4264% | 4,007 |
| Memoranda: | ||
| Average total assets | $74,205,670 | 5,716 |
| Average earning assets | $70,676,670 | 5,614 |
| Average equity | $5,717,670 | 6,313 |
| Average total loans | $31,714,000 | 6,217 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 5,570 |
| Cost of funding earning assets | 1.6456% | 684 |
| Net interest margin | 2.7902% | 6,919 |
| Noninterest income to average assets | 0.2113% | 6,224 |
| Noninterest expense to average assets | 1.6905% | 7,239 |
| Loan and lease loss provision to assets | 0.1626% | 4,004 |
| Net operating income to assets | 0.7735% | 3,150 |
| Return on assets (ROA) | 2.1186% | 303 |
| Pretax return on assets | 2.8067% | 175 |
| Return on Equity (ROE) | 28.7342% | 97 |
| Retained earnings to average equity (ytd only) | 28.7342% | 67 |
| Net charge-offs to loans | -0.0500% | 6,886 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9792% | 6,131 |
| Assets per employee ($millions) | 7.4945% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 5,379 |
| Loan loss allowance to noncurrent loans | 35.2263% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 2.2176% | 3,045 |
| Noncurrent loans to loans | 3.5522% | 2,095 |
| Net loans and leases to total assets | 41.8040% | 6,641 |
| Net loans and leases to deposits | 46.1495% | 6,834 |
| Net loans and leases to core deposits | 52.1046% | 6,671 |
| Total domestic deposits to total assets | 90.5838% | 805 |
| Equity capital to assets | 7.5722% | 6,829 |
| Core capital (leverage) ratio | 7.5220% | 6,712 |
| Tier 1 risk-based capital ratio | 13.7055% | 4,275 |
| Total risk-based capital ratio | 14.6664% | 4,470 |
| Memoranda: | ||
| Average total assets | $73,822,500 | 5,767 |
| Average earning assets | $70,246,000 | 5,656 |
| Average equity | $5,443,000 | 6,403 |
| Average total loans | $32,009,500 | 6,242 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 5,642 |
| Cost of funding earning assets | 1.8736% | 931 |
| Net interest margin | 2.8693% | 6,938 |
| Noninterest income to average assets | 0.3113% | 5,577 |
| Noninterest expense to average assets | 1.8379% | 7,227 |
| Loan and lease loss provision to assets | 0.3852% | 3,804 |
| Net operating income to assets | 0.7529% | 2,989 |
| Return on assets (ROA) | 0.8333% | 2,799 |
| Pretax return on assets | 0.8977% | 3,298 |
| Return on Equity (ROE) | 10.1821% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.1821% | 483 |
| Net charge-offs to loans | 0.3992% | 4,041 |
| Credit loss provision to net charge-offs | 189.9225% | 1,702 |
| Earnings coverage of net charge-offs (x) | 5.8992% | 2,500 |
| Efficiency ratio | 60.5699% | 5,957 |
| Assets per employee ($millions) | 7.2700% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,852 |
| Loan loss allowance to noncurrent loans | 23.8816% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 2.6795% | 2,602 |
| Noncurrent loans to loans | 4.7070% | 1,476 |
| Net loans and leases to total assets | 43.9188% | 6,720 |
| Net loans and leases to deposits | 50.3731% | 6,838 |
| Net loans and leases to core deposits | 59.2793% | 6,452 |
| Total domestic deposits to total assets | 87.1871% | 2,721 |
| Equity capital to assets | 7.1678% | 7,051 |
| Core capital (leverage) ratio | 7.6188% | 6,607 |
| Tier 1 risk-based capital ratio | 12.9888% | 4,602 |
| Total risk-based capital ratio | 13.8833% | 4,892 |
| Memoranda: | ||
| Average total assets | $63,603,800 | 6,071 |
| Average earning assets | $60,363,600 | 5,982 |
| Average equity | $5,205,200 | 6,595 |
| Average total loans | $32,315,000 | 6,297 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8249% | 5,562 |
| Cost of funding earning assets | 1.9093% | 1,001 |
| Net interest margin | 2.9156% | 6,985 |
| Noninterest income to average assets | 0.3304% | 5,515 |
| Noninterest expense to average assets | 1.8783% | 7,238 |
| Loan and lease loss provision to assets | 0.4674% | 3,135 |
| Net operating income to assets | 0.7094% | 3,368 |
| Return on assets (ROA) | 0.8218% | 3,056 |
| Pretax return on assets | 0.8696% | 3,668 |
| Return on Equity (ROE) | 9.6851% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.6851% | 871 |
| Net charge-offs to loans | 0.3053% | 4,142 |
| Credit loss provision to net charge-offs | 290.5405% | 1,102 |
| Earnings coverage of net charge-offs (x) | 7.5679% | 2,308 |
| Efficiency ratio | 60.6742% | 5,844 |
| Assets per employee ($millions) | 6.6365% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 5,476 |
| Loan loss allowance to noncurrent loans | 25.0000% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 2.4712% | 2,895 |
| Noncurrent loans to loans | 4.8121% | 1,464 |
| Net loans and leases to total assets | 48.0133% | 6,519 |
| Net loans and leases to deposits | 54.5206% | 6,727 |
| Net loans and leases to core deposits | 64.5491% | 6,252 |
| Total domestic deposits to total assets | 88.0645% | 1,925 |
| Equity capital to assets | 8.4337% | 6,355 |
| Core capital (leverage) ratio | 7.8718% | 6,493 |
| Tier 1 risk-based capital ratio | 13.1638% | 4,446 |
| Total risk-based capital ratio | 14.1615% | 4,627 |
| Memoranda: | ||
| Average total assets | $61,329,750 | 6,217 |
| Average earning assets | $58,168,750 | 6,124 |
| Average equity | $5,203,750 | 6,671 |
| Average total loans | $32,320,750 | 6,377 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 5,293 |
| Cost of funding earning assets | 1.9292% | 1,112 |
| Net interest margin | 2.9947% | 6,835 |
| Noninterest income to average assets | 0.3051% | 5,717 |
| Noninterest expense to average assets | 1.9010% | 7,261 |
| Loan and lease loss provision to assets | 0.6203% | 2,308 |
| Net operating income to assets | 0.5926% | 3,906 |
| Return on assets (ROA) | 0.7678% | 3,263 |
| Pretax return on assets | 0.8047% | 3,862 |
| Return on Equity (ROE) | 9.0288% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.0288% | 1,098 |
| Net charge-offs to loans | 0.3772% | 3,475 |
| Credit loss provision to net charge-offs | 303.2787% | 1,205 |
| Earnings coverage of net charge-offs (x) | 6.0656% | 2,538 |
| Efficiency ratio | 60.5123% | 5,955 |
| Assets per employee ($millions) | 6.2054% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 5,567 |
| Loan loss allowance to noncurrent loans | 22.4712% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 2.8024% | 2,578 |
| Noncurrent loans to loans | 5.2350% | 1,298 |
| Net loans and leases to total assets | 50.2256% | 6,408 |
| Net loans and leases to deposits | 56.8730% | 6,663 |
| Net loans and leases to core deposits | 65.7768% | 6,262 |
| Total domestic deposits to total assets | 88.3118% | 1,823 |
| Equity capital to assets | 8.3540% | 6,350 |
| Core capital (leverage) ratio | 8.0429% | 6,216 |
| Tier 1 risk-based capital ratio | 13.0217% | 4,419 |
| Total risk-based capital ratio | 13.9938% | 4,619 |
| Memoranda: | ||
| Average total assets | $59,651,330 | 6,322 |
| Average earning assets | $56,500,670 | 6,220 |
| Average equity | $5,072,670 | 6,753 |
| Average total loans | $32,343,670 | 6,415 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0111% | 4,971 |
| Cost of funding earning assets | 1.9363% | 1,302 |
| Net interest margin | 3.0749% | 6,657 |
| Noninterest income to average assets | 0.3490% | 5,350 |
| Noninterest expense to average assets | 2.0188% | 7,130 |
| Loan and lease loss provision to assets | 0.4448% | 2,742 |
| Net operating income to assets | 0.7476% | 3,225 |
| Return on assets (ROA) | 0.7802% | 3,167 |
| Pretax return on assets | 0.8212% | 3,785 |
| Return on Equity (ROE) | 9.0891% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.0891% | 1,374 |
| Net charge-offs to loans | 0.6718% | 2,148 |
| Credit loss provision to net charge-offs | 118.1818% | 2,957 |
| Earnings coverage of net charge-offs (x) | 3.2727% | 2,957 |
| Efficiency ratio | 62.1053% | 5,814 |
| Assets per employee ($millions) | 5.9686% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 7,125 |
| Loan loss allowance to noncurrent loans | 18.3440% | 7,092 |
| Noncurrent assets plus other real estate owned to assets | 2.4947% | 2,913 |
| Noncurrent loans to loans | 4.3698% | 1,730 |
| Net loans and leases to total assets | 53.2855% | 6,119 |
| Net loans and leases to deposits | 61.2204% | 6,348 |
| Net loans and leases to core deposits | 71.5678% | 5,761 |
| Total domestic deposits to total assets | 87.0388% | 2,613 |
| Equity capital to assets | 8.5280% | 5,968 |
| Core capital (leverage) ratio | 8.2224% | 5,877 |
| Tier 1 risk-based capital ratio | 12.7018% | 4,555 |
| Total risk-based capital ratio | 13.3741% | 5,029 |
| Memoranda: | ||
| Average total assets | $58,450,000 | 6,450 |
| Average earning assets | $55,157,000 | 6,356 |
| Average equity | $5,017,000 | 6,838 |
| Average total loans | $32,746,500 | 6,473 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 5,269 |
| Cost of funding earning assets | 2.1611% | 2,182 |
| Net interest margin | 3.1226% | 6,300 |
| Noninterest income to average assets | 0.3533% | 5,573 |
| Noninterest expense to average assets | 2.2117% | 6,963 |
| Loan and lease loss provision to assets | 0.7050% | 3,002 |
| Net operating income to assets | 0.3831% | 4,191 |
| Return on assets (ROA) | 0.6081% | 3,368 |
| Pretax return on assets | 0.6336% | 3,799 |
| Return on Equity (ROE) | 7.5938% | 2,541 |
| Retained earnings to average equity (ytd only) | 7.5938% | 806 |
| Net charge-offs to loans | 1.5617% | 1,614 |
| Credit loss provision to net charge-offs | 77.5701% | 6,348 |
| Earnings coverage of net charge-offs (x) | 1.2150% | 4,911 |
| Efficiency ratio | 66.7008% | 5,245 |
| Assets per employee ($millions) | 5.7214% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 7,289 |
| Loan loss allowance to noncurrent loans | 22.9128% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 3.2929% | 2,083 |
| Noncurrent loans to loans | 3.2245% | 2,367 |
| Net loans and leases to total assets | 58.0015% | 5,664 |
| Net loans and leases to deposits | 66.5978% | 5,987 |
| Net loans and leases to core deposits | 83.7202% | 5,746 |
| Total domestic deposits to total assets | 87.0923% | 2,448 |
| Equity capital to assets | 8.6412% | 5,678 |
| Core capital (leverage) ratio | 8.0860% | 6,019 |
| Tier 1 risk-based capital ratio | 12.0679% | 4,884 |
| Total risk-based capital ratio | 12.6966% | 5,418 |
| Memoranda: | ||
| Average total assets | $58,867,800 | 6,390 |
| Average earning assets | $55,851,000 | 6,298 |
| Average equity | $4,714,400 | 7,049 |
| Average total loans | $34,258,600 | 6,382 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2498% | 5,687 |
| Cost of funding earning assets | 2.2101% | 2,360 |
| Net interest margin | 3.0397% | 6,495 |
| Noninterest income to average assets | 0.1664% | 7,019 |
| Noninterest expense to average assets | 1.9950% | 7,397 |
| Loan and lease loss provision to assets | 0.7984% | 2,367 |
| Net operating income to assets | 0.2654% | 4,928 |
| Return on assets (ROA) | 0.4948% | 4,103 |
| Pretax return on assets | 0.4948% | 4,533 |
| Return on Equity (ROE) | 6.2987% | 3,396 |
| Retained earnings to average equity (ytd only) | 6.2987% | 1,812 |
| Net charge-offs to loans | 1.9652% | 1,012 |
| Credit loss provision to net charge-offs | 69.8819% | 5,986 |
| Earnings coverage of net charge-offs (x) | 0.9311% | 5,126 |
| Efficiency ratio | 65.2206% | 5,510 |
| Assets per employee ($millions) | 6.0024% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6412% | 7,507 |
| Loan loss allowance to noncurrent loans | 19.1928% | 7,129 |
| Noncurrent assets plus other real estate owned to assets | 2.0059% | 3,337 |
| Noncurrent loans to loans | 3.3407% | 2,263 |
| Net loans and leases to total assets | 55.2479% | 6,238 |
| Net loans and leases to deposits | 63.1862% | 6,570 |
| Net loans and leases to core deposits | 79.9585% | 6,357 |
| Total domestic deposits to total assets | 87.4367% | 1,930 |
| Equity capital to assets | 8.1451% | 6,698 |
| Core capital (leverage) ratio | 7.5758% | 6,886 |
| Tier 1 risk-based capital ratio | 11.9221% | 5,042 |
| Total risk-based capital ratio | 12.4764% | 5,669 |
| Memoranda: | ||
| Average total assets | $59,281,250 | 6,410 |
| Average earning assets | $56,407,500 | 6,320 |
| Average equity | $4,657,000 | 7,126 |
| Average total loans | $34,465,250 | 6,424 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2209% | 6,001 |
| Cost of funding earning assets | 2.2752% | 2,464 |
| Net interest margin | 2.9457% | 6,694 |
| Noninterest income to average assets | 0.3523% | 5,683 |
| Noninterest expense to average assets | 2.0090% | 7,447 |
| Loan and lease loss provision to assets | 0.5014% | 3,031 |
| Net operating income to assets | 0.5246% | 4,001 |
| Return on assets (ROA) | 0.7386% | 3,202 |
| Pretax return on assets | 0.9012% | 3,333 |
| Return on Equity (ROE) | 9.5203% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.5203% | 810 |
| Net charge-offs to loans | 0.1665% | 4,559 |
| Credit loss provision to net charge-offs | 510.3448% | 903 |
| Earnings coverage of net charge-offs (x) | 11.6207% | 1,887 |
| Efficiency ratio | 63.7634% | 5,957 |
| Assets per employee ($millions) | 6.2708% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 3,714 |
| Loan loss allowance to noncurrent loans | 22.2324% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 3.7555% | 1,630 |
| Noncurrent loans to loans | 6.3035% | 858 |
| Net loans and leases to total assets | 54.5273% | 6,377 |
| Net loans and leases to deposits | 62.8109% | 6,674 |
| Net loans and leases to core deposits | 78.9731% | 6,486 |
| Total domestic deposits to total assets | 86.8119% | 2,354 |
| Equity capital to assets | 7.4648% | 7,301 |
| Core capital (leverage) ratio | 7.4437% | 7,088 |
| Tier 1 risk-based capital ratio | 11.4646% | 5,427 |
| Total risk-based capital ratio | 12.6753% | 5,377 |
| Memoranda: | ||
| Average total assets | $59,033,670 | 6,479 |
| Average earning assets | $56,082,670 | 6,379 |
| Average equity | $4,579,670 | 7,212 |
| Average total loans | $34,828,330 | 6,466 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2261% | 6,203 |
| Cost of funding earning assets | 2.3407% | 2,542 |
| Net interest margin | 2.8854% | 6,782 |
| Noninterest income to average assets | 0.3217% | 5,879 |
| Noninterest expense to average assets | 2.0561% | 7,224 |
| Loan and lease loss provision to assets | 0.3846% | 3,017 |
| Net operating income to assets | 0.5214% | 4,334 |
| Return on assets (ROA) | 0.6154% | 4,146 |
| Pretax return on assets | 0.7343% | 4,308 |
| Return on Equity (ROE) | 7.7721% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.7721% | 1,901 |
| Net charge-offs to loans | 0.3323% | 2,768 |
| Credit loss provision to net charge-offs | 189.6552% | 2,317 |
| Earnings coverage of net charge-offs (x) | 4.9655% | 2,785 |
| Efficiency ratio | 67.1233% | 5,116 |
| Assets per employee ($millions) | 5.9696% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,129 |
| Loan loss allowance to noncurrent loans | 30.5837% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 2.4357% | 2,351 |
| Noncurrent loans to loans | 3.7579% | 1,649 |
| Net loans and leases to total assets | 56.6236% | 6,151 |
| Net loans and leases to deposits | 67.1274% | 6,259 |
| Net loans and leases to core deposits | 84.5092% | 6,023 |
| Total domestic deposits to total assets | 84.3524% | 3,533 |
| Equity capital to assets | 7.6973% | 7,180 |
| Core capital (leverage) ratio | 7.8246% | 6,716 |
| Tier 1 risk-based capital ratio | 11.5131% | 5,398 |
| Total risk-based capital ratio | 12.5251% | 5,535 |
| Memoranda: | ||
| Average total assets | $57,196,500 | 6,574 |
| Average earning assets | $54,343,000 | 6,483 |
| Average equity | $4,529,000 | 7,280 |
| Average total loans | $34,903,000 | 6,500 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2292% | 4,361 |
| Cost of funding earning assets | 2.9588% | 2,029 |
| Net interest margin | 3.2704% | 6,139 |
| Noninterest income to average assets | 0.4374% | 5,144 |
| Noninterest expense to average assets | 2.1206% | 7,188 |
| Loan and lease loss provision to assets | 0.4838% | 2,881 |
| Net operating income to assets | 0.7074% | 3,862 |
| Return on assets (ROA) | 0.7136% | 3,664 |
| Pretax return on assets | 0.9293% | 3,623 |
| Return on Equity (ROE) | 8.3432% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.7775% | 906 |
| Net charge-offs to loans | 0.3525% | 3,066 |
| Credit loss provision to net charge-offs | 196.7213% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.7131% | 3,556 |
| Efficiency ratio | 60.1487% | 6,308 |
| Assets per employee ($millions) | 5.4697% | 1,475 |
| Cash dividends to net income (ytd only)* | 6.7797% | 4,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 5,770 |
| Loan loss allowance to noncurrent loans | 46.5736% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4407% | 3,329 |
| Noncurrent loans to loans | 2.2128% | 2,493 |
| Net loans and leases to total assets | 64.4350% | 5,185 |
| Net loans and leases to deposits | 79.0118% | 5,193 |
| Net loans and leases to core deposits | 93.5897% | 5,481 |
| Total domestic deposits to total assets | 81.5511% | 4,389 |
| Equity capital to assets | 8.1595% | 6,616 |
| Core capital (leverage) ratio | 8.3098% | 5,930 |
| Tier 1 risk-based capital ratio | 11.2169% | 5,520 |
| Total risk-based capital ratio | 12.1561% | 5,728 |
| Memoranda: | ||
| Average total assets | $49,609,200 | 6,790 |
| Average earning assets | $46,844,000 | 6,720 |
| Average equity | $4,243,000 | 7,417 |
| Average total loans | $34,607,600 | 6,452 |