Home > Community Neighbor Bank > Performance and Condition Ratios
Community Neighbor Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6216% | 1,013 |
| Cost of funding earning assets | 1.1586% | 2,913 |
| Net interest margin | 4.4630% | 648 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 3.1424% | 891 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.0448% | 2,082 |
| Return on assets (ROA) | 1.0448% | 2,049 |
| Pretax return on assets | 1.3399% | 1,763 |
| Return on Equity (ROE) | 9.7800% | 2,560 |
| Retained earnings to average equity (ytd only) | 5.1464% | 2,561 |
| Net charge-offs to loans | 0.1363% | 734 |
| Credit loss provision to net charge-offs | 223.2143% | 1,144 |
| Earnings coverage of net charge-offs (x) | 20.3571% | 1,858 |
| Efficiency ratio | 67.6182% | 2,151 |
| Assets per employee ($millions) | 5.0667% | 3,589 |
| Cash dividends to net income (ytd only)* | 47.3784% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,317 |
| Loan loss allowance to noncurrent loans | 213.4812% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 1,471 |
| Noncurrent loans to loans | 0.6651% | 1,181 |
| Net loans and leases to total assets | 55.3000% | 3,251 |
| Net loans and leases to deposits | 69.7206% | 2,905 |
| Net loans and leases to core deposits | 76.3604% | 2,952 |
| Total domestic deposits to total assets | 79.3200% | 3,563 |
| Equity capital to assets | 10.6802% | 1,639 |
| Core capital (leverage) ratio | 11.3746% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $151,508,800 | 3,347 |
| Average earning assets | $138,091,800 | 3,367 |
| Average equity | $16,186,000 | 3,165 |
| Average total loans | $82,190,600 | 3,379 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4791% | 1,036 |
| Cost of funding earning assets | 1.0164% | 2,992 |
| Net interest margin | 4.4627% | 653 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 3.2231% | 792 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0161% | 2,318 |
| Return on assets (ROA) | 1.0161% | 2,303 |
| Pretax return on assets | 1.3038% | 2,031 |
| Return on Equity (ROE) | 9.5100% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.5101% | 1,548 |
| Net charge-offs to loans | 0.0975% | 800 |
| Credit loss provision to net charge-offs | 169.4915% | 1,230 |
| Earnings coverage of net charge-offs (x) | 26.5763% | 1,662 |
| Efficiency ratio | 69.8287% | 1,802 |
| Assets per employee ($millions) | 4.8885% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,632 |
| Loan loss allowance to noncurrent loans | 169.7059% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 1,339 |
| Noncurrent loans to loans | 0.7992% | 1,045 |
| Net loans and leases to total assets | 53.6500% | 3,389 |
| Net loans and leases to deposits | 67.5558% | 3,010 |
| Net loans and leases to core deposits | 73.1091% | 3,050 |
| Total domestic deposits to total assets | 79.4200% | 3,619 |
| Equity capital to assets | 10.5643% | 1,527 |
| Core capital (leverage) ratio | 11.4670% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $150,119,250 | 3,365 |
| Average earning assets | $135,907,750 | 3,392 |
| Average equity | $16,038,750 | 3,168 |
| Average total loans | $80,710,500 | 3,405 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 1,176 |
| Cost of funding earning assets | 0.7910% | 3,231 |
| Net interest margin | 4.4372% | 672 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 3.1686% | 819 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.0148% | 2,382 |
| Return on assets (ROA) | 1.0148% | 2,373 |
| Pretax return on assets | 1.2945% | 2,099 |
| Return on Equity (ROE) | 9.4600% | 2,847 |
| Retained earnings to average equity (ytd only) | 9.4606% | 1,562 |
| Net charge-offs to loans | 0.0908% | 719 |
| Credit loss provision to net charge-offs | 277.7778% | 899 |
| Earnings coverage of net charge-offs (x) | 29.3889% | 1,561 |
| Efficiency ratio | 68.9098% | 1,877 |
| Assets per employee ($millions) | 4.2519% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 1,514 |
| Loan loss allowance to noncurrent loans | 175.1488% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 1,214 |
| Noncurrent loans to loans | 0.8024% | 952 |
| Net loans and leases to total assets | 52.4800% | 3,369 |
| Net loans and leases to deposits | 65.6813% | 3,078 |
| Net loans and leases to core deposits | 71.8501% | 3,020 |
| Total domestic deposits to total assets | 79.9100% | 3,591 |
| Equity capital to assets | 10.3376% | 1,666 |
| Core capital (leverage) ratio | 11.7757% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $148,014,667 | 3,397 |
| Average earning assets | $133,508,000 | 3,432 |
| Average equity | $15,876,333 | 3,199 |
| Average total loans | $79,252,667 | 3,427 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 1,125 |
| Cost of funding earning assets | 0.5352% | 3,578 |
| Net interest margin | 4.5270% | 563 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 3.3119% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0491% | 2,389 |
| Return on assets (ROA) | 1.0491% | 2,354 |
| Pretax return on assets | 1.3393% | 2,059 |
| Return on Equity (ROE) | 9.5900% | 2,900 |
| Retained earnings to average equity (ytd only) | 9.5900% | 1,796 |
| Net charge-offs to loans | -0.1039% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.2058% | 1,612 |
| Assets per employee ($millions) | 4.2389% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 1,573 |
| Loan loss allowance to noncurrent loans | 160.9375% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 1,053 |
| Noncurrent loans to loans | 0.8780% | 862 |
| Net loans and leases to total assets | 54.8500% | 3,130 |
| Net loans and leases to deposits | 61.8566% | 3,235 |
| Net loans and leases to core deposits | 67.0896% | 3,155 |
| Total domestic deposits to total assets | 88.6700% | 1,673 |
| Equity capital to assets | 11.1057% | 1,299 |
| Core capital (leverage) ratio | 12.1672% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $143,362,500 | 3,488 |
| Average earning assets | $128,562,000 | 3,523 |
| Average equity | $15,683,000 | 3,244 |
| Average total loans | $77,006,500 | 3,501 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 828 |
| Cost of funding earning assets | 0.2045% | 3,716 |
| Net interest margin | 4.2273% | 500 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 3.1635% | 763 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0914% | 2,216 |
| Return on assets (ROA) | 1.0914% | 2,154 |
| Pretax return on assets | 1.3988% | 1,773 |
| Return on Equity (ROE) | 9.9000% | 2,840 |
| Retained earnings to average equity (ytd only) | 6.6585% | 2,384 |
| Net charge-offs to loans | 0.0825% | 834 |
| Credit loss provision to net charge-offs | 84.7458% | 1,658 |
| Earnings coverage of net charge-offs (x) | 34.0169% | 1,612 |
| Efficiency ratio | 68.8015% | 1,864 |
| Assets per employee ($millions) | 4.0743% | 4,258 |
| Cash dividends to net income (ytd only)* | 32.7439% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,175 |
| Loan loss allowance to noncurrent loans | 173.3645% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 1,124 |
| Noncurrent loans to loans | 0.8696% | 860 |
| Net loans and leases to total assets | 50.9900% | 3,433 |
| Net loans and leases to deposits | 57.1853% | 3,502 |
| Net loans and leases to core deposits | 60.4859% | 3,480 |
| Total domestic deposits to total assets | 89.1700% | 1,676 |
| Equity capital to assets | 10.7713% | 1,347 |
| Core capital (leverage) ratio | 11.9374% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $139,906,200 | 3,529 |
| Average earning assets | $127,125,000 | 3,558 |
| Average equity | $15,423,800 | 3,333 |
| Average total loans | $71,531,200 | 3,555 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 774 |
| Cost of funding earning assets | 0.1845% | 3,459 |
| Net interest margin | 4.0889% | 529 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 3.1553% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0754% | 2,186 |
| Return on assets (ROA) | 1.0754% | 2,148 |
| Pretax return on assets | 1.3732% | 1,801 |
| Return on Equity (ROE) | 9.7000% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.6977% | 1,432 |
| Net charge-offs to loans | 0.1090% | 572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 24.7241% | 1,621 |
| Efficiency ratio | 69.6765% | 1,798 |
| Assets per employee ($millions) | 3.8994% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,469 |
| Loan loss allowance to noncurrent loans | 187.3462% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 1,367 |
| Noncurrent loans to loans | 0.7708% | 1,054 |
| Net loans and leases to total assets | 50.4300% | 3,426 |
| Net loans and leases to deposits | 56.5029% | 3,440 |
| Net loans and leases to core deposits | 59.5282% | 3,419 |
| Total domestic deposits to total assets | 89.2500% | 1,982 |
| Equity capital to assets | 10.4992% | 1,367 |
| Core capital (leverage) ratio | 11.8224% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $139,232,500 | 3,562 |
| Average earning assets | $127,204,000 | 3,584 |
| Average equity | $15,439,750 | 3,368 |
| Average total loans | $70,956,250 | 3,575 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 749 |
| Cost of funding earning assets | 0.1787% | 3,199 |
| Net interest margin | 3.9330% | 576 |
| Noninterest income to average assets | 0.8520% | 936 |
| Noninterest expense to average assets | 3.1857% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9815% | 2,225 |
| Return on assets (ROA) | 0.9815% | 2,200 |
| Pretax return on assets | 1.2504% | 1,899 |
| Return on Equity (ROE) | 8.6889% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.6889% | 1,376 |
| Net charge-offs to loans | 0.1371% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 17.9167% | 1,597 |
| Efficiency ratio | 71.8125% | 1,747 |
| Assets per employee ($millions) | 3.7761% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,431 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 1,453 |
| Noncurrent loans to loans | 0.7458% | 1,153 |
| Net loans and leases to total assets | 50.8589% | 3,285 |
| Net loans and leases to deposits | 57.2324% | 3,288 |
| Net loans and leases to core deposits | 59.8847% | 3,276 |
| Total domestic deposits to total assets | 88.8638% | 2,241 |
| Equity capital to assets | 10.9823% | 1,219 |
| Core capital (leverage) ratio | 12.0346% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,551,000 | 3,623 |
| Average earning assets | $125,349,000 | 3,644 |
| Average equity | $15,537,000 | 3,449 |
| Average total loans | $70,001,000 | 3,621 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 790 |
| Cost of funding earning assets | 0.1776% | 3,116 |
| Net interest margin | 3.8133% | 624 |
| Noninterest income to average assets | 0.9673% | 729 |
| Noninterest expense to average assets | 3.1744% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9819% | 1,961 |
| Return on assets (ROA) | 0.9819% | 1,958 |
| Pretax return on assets | 1.2545% | 1,643 |
| Return on Equity (ROE) | 8.5713% | 2,488 |
| Retained earnings to average equity (ytd only) | 8.5713% | 1,404 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6744% | 2,017 |
| Assets per employee ($millions) | 3.7873% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 1,207 |
| Loan loss allowance to noncurrent loans | 211.6761% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 1,535 |
| Noncurrent loans to loans | 0.7666% | 1,244 |
| Net loans and leases to total assets | 49.9784% | 3,176 |
| Net loans and leases to deposits | 56.4011% | 3,229 |
| Net loans and leases to core deposits | 59.0876% | 3,230 |
| Total domestic deposits to total assets | 88.6124% | 2,251 |
| Equity capital to assets | 11.2835% | 1,200 |
| Core capital (leverage) ratio | 11.9487% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,468,500 | 3,654 |
| Average earning assets | $123,883,500 | 3,672 |
| Average equity | $15,633,500 | 3,503 |
| Average total loans | $68,934,500 | 3,638 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 751 |
| Cost of funding earning assets | 0.2163% | 3,301 |
| Net interest margin | 4.1568% | 534 |
| Noninterest income to average assets | 0.6969% | 1,778 |
| Noninterest expense to average assets | 3.2434% | 685 |
| Loan and lease loss provision to assets | 0.0305% | 2,446 |
| Net operating income to assets | 0.9481% | 2,875 |
| Return on assets (ROA) | 0.9481% | 2,948 |
| Pretax return on assets | 1.2084% | 2,635 |
| Return on Equity (ROE) | 7.7846% | 3,286 |
| Retained earnings to average equity (ytd only) | 3.2091% | 3,548 |
| Net charge-offs to loans | 0.2228% | 418 |
| Credit loss provision to net charge-offs | 25.3165% | 2,257 |
| Earnings coverage of net charge-offs (x) | 10.2722% | 2,214 |
| Efficiency ratio | 72.3604% | 1,470 |
| Assets per employee ($millions) | 3.7943% | 4,497 |
| Cash dividends to net income (ytd only)* | 58.7762% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,182 |
| Loan loss allowance to noncurrent loans | 185.9272% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 1,415 |
| Noncurrent loans to loans | 0.8804% | 1,152 |
| Net loans and leases to total assets | 49.4019% | 3,363 |
| Net loans and leases to deposits | 55.9516% | 3,418 |
| Net loans and leases to core deposits | 58.6185% | 3,425 |
| Total domestic deposits to total assets | 88.2939% | 1,876 |
| Equity capital to assets | 11.6277% | 1,437 |
| Core capital (leverage) ratio | 11.7942% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,004,600 | 3,670 |
| Average earning assets | $119,298,600 | 3,694 |
| Average equity | $15,954,600 | 3,543 |
| Average total loans | $70,930,400 | 3,629 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 796 |
| Cost of funding earning assets | 0.2260% | 3,363 |
| Net interest margin | 4.1842% | 561 |
| Noninterest income to average assets | 0.7767% | 1,595 |
| Noninterest expense to average assets | 3.2323% | 678 |
| Loan and lease loss provision to assets | 0.0409% | 2,181 |
| Net operating income to assets | 1.0226% | 2,825 |
| Return on assets (ROA) | 1.0226% | 2,892 |
| Pretax return on assets | 1.3127% | 2,591 |
| Return on Equity (ROE) | 8.2974% | 3,314 |
| Retained earnings to average equity (ytd only) | 8.2974% | 1,954 |
| Net charge-offs to loans | 0.2312% | 356 |
| Credit loss provision to net charge-offs | 32.2581% | 1,946 |
| Earnings coverage of net charge-offs (x) | 10.6129% | 2,031 |
| Efficiency ratio | 70.4800% | 1,555 |
| Assets per employee ($millions) | 3.5335% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 1,202 |
| Loan loss allowance to noncurrent loans | 130.4397% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 969 |
| Noncurrent loans to loans | 1.2718% | 864 |
| Net loans and leases to total assets | 51.0784% | 3,293 |
| Net loans and leases to deposits | 58.3459% | 3,379 |
| Net loans and leases to core deposits | 60.8055% | 3,414 |
| Total domestic deposits to total assets | 87.5441% | 2,086 |
| Equity capital to assets | 12.2637% | 1,279 |
| Core capital (leverage) ratio | 12.3234% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,606,750 | 3,718 |
| Average earning assets | $117,995,250 | 3,747 |
| Average equity | $15,972,500 | 3,588 |
| Average total loans | $71,512,000 | 3,674 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 914 |
| Cost of funding earning assets | 0.2391% | 3,384 |
| Net interest margin | 4.1163% | 671 |
| Noninterest income to average assets | 0.8403% | 1,422 |
| Noninterest expense to average assets | 3.3221% | 600 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9855% | 2,941 |
| Return on assets (ROA) | 0.9855% | 3,030 |
| Pretax return on assets | 1.2557% | 2,749 |
| Return on Equity (ROE) | 7.9835% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.9835% | 2,077 |
| Net charge-offs to loans | 0.3107% | 276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 7.1786% | 1,927 |
| Efficiency ratio | 72.5691% | 1,374 |
| Assets per employee ($millions) | 3.5823% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,359 |
| Loan loss allowance to noncurrent loans | 118.5924% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 907 |
| Noncurrent loans to loans | 1.3233% | 884 |
| Net loans and leases to total assets | 53.4260% | 3,204 |
| Net loans and leases to deposits | 60.9195% | 3,308 |
| Net loans and leases to core deposits | 63.3733% | 3,345 |
| Total domestic deposits to total assets | 87.6994% | 1,985 |
| Equity capital to assets | 12.1528% | 1,297 |
| Core capital (leverage) ratio | 12.2390% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,051,000 | 3,747 |
| Average earning assets | $116,268,667 | 3,785 |
| Average equity | $15,807,667 | 3,601 |
| Average total loans | $72,102,000 | 3,688 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 985 |
| Cost of funding earning assets | 0.2631% | 3,347 |
| Net interest margin | 4.0755% | 754 |
| Noninterest income to average assets | 0.8203% | 1,536 |
| Noninterest expense to average assets | 3.1382% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0652% | 2,588 |
| Return on assets (ROA) | 1.0652% | 2,665 |
| Pretax return on assets | 1.3768% | 2,344 |
| Return on Equity (ROE) | 8.5582% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.5582% | 2,074 |
| Net charge-offs to loans | -0.0332% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5070% | 1,759 |
| Assets per employee ($millions) | 3.8106% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 1,017 |
| Loan loss allowance to noncurrent loans | 148.6293% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 1,190 |
| Noncurrent loans to loans | 1.1530% | 1,155 |
| Net loans and leases to total assets | 55.1998% | 3,128 |
| Net loans and leases to deposits | 62.9881% | 3,222 |
| Net loans and leases to core deposits | 65.8345% | 3,258 |
| Total domestic deposits to total assets | 87.6353% | 2,023 |
| Equity capital to assets | 12.2003% | 1,201 |
| Core capital (leverage) ratio | 12.5755% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,803,500 | 3,787 |
| Average earning assets | $114,046,500 | 3,812 |
| Average equity | $15,657,500 | 3,621 |
| Average total loans | $72,181,500 | 3,699 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 620 |
| Cost of funding earning assets | 0.4556% | 3,251 |
| Net interest margin | 4.4258% | 380 |
| Noninterest income to average assets | 0.8086% | 1,506 |
| Noninterest expense to average assets | 3.4535% | 743 |
| Loan and lease loss provision to assets | 0.1739% | 2,214 |
| Net operating income to assets | 0.9312% | 2,558 |
| Return on assets (ROA) | 0.9312% | 2,706 |
| Pretax return on assets | 1.1677% | 2,448 |
| Return on Equity (ROE) | 6.8413% | 3,264 |
| Retained earnings to average equity (ytd only) | 0.4535% | 4,379 |
| Net charge-offs to loans | 0.2019% | 853 |
| Credit loss provision to net charge-offs | 139.8601% | 2,481 |
| Earnings coverage of net charge-offs (x) | 10.7902% | 2,438 |
| Efficiency ratio | 72.0218% | 1,679 |
| Assets per employee ($millions) | 3.3901% | 4,692 |
| Cash dividends to net income (ytd only)* | 93.3707% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 972 |
| Loan loss allowance to noncurrent loans | 118.1905% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 973 |
| Noncurrent loans to loans | 1.4665% | 914 |
| Net loans and leases to total assets | 57.6484% | 3,129 |
| Net loans and leases to deposits | 66.1020% | 3,263 |
| Net loans and leases to core deposits | 69.2933% | 3,310 |
| Total domestic deposits to total assets | 87.2113% | 1,838 |
| Equity capital to assets | 12.7068% | 1,228 |
| Core capital (leverage) ratio | 12.6442% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,014,600 | 3,810 |
| Average earning assets | $103,596,800 | 3,850 |
| Average equity | $15,655,000 | 3,591 |
| Average total loans | $70,815,200 | 3,718 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 761 |
| Cost of funding earning assets | 0.4980% | 3,235 |
| Net interest margin | 4.3840% | 486 |
| Noninterest income to average assets | 0.8405% | 1,377 |
| Noninterest expense to average assets | 3.5376% | 674 |
| Loan and lease loss provision to assets | 0.1766% | 2,220 |
| Net operating income to assets | 0.8558% | 2,882 |
| Return on assets (ROA) | 0.8558% | 3,011 |
| Pretax return on assets | 1.0748% | 2,830 |
| Return on Equity (ROE) | 6.1772% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.1772% | 2,028 |
| Net charge-offs to loans | 0.3002% | 522 |
| Credit loss provision to net charge-offs | 94.3396% | 2,673 |
| Earnings coverage of net charge-offs (x) | 6.6855% | 2,636 |
| Efficiency ratio | 73.8692% | 1,417 |
| Assets per employee ($millions) | 3.3321% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 1,160 |
| Loan loss allowance to noncurrent loans | 79.9864% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.4178% | 630 |
| Noncurrent loans to loans | 1.9760% | 618 |
| Net loans and leases to total assets | 59.3474% | 3,291 |
| Net loans and leases to deposits | 69.3053% | 3,367 |
| Net loans and leases to core deposits | 72.6735% | 3,417 |
| Total domestic deposits to total assets | 85.6318% | 2,206 |
| Equity capital to assets | 13.1085% | 1,133 |
| Core capital (leverage) ratio | 13.2994% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,257,000 | 3,825 |
| Average earning assets | $102,005,250 | 3,863 |
| Average equity | $15,691,750 | 3,586 |
| Average total loans | $70,619,500 | 3,739 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 794 |
| Cost of funding earning assets | 0.5462% | 3,261 |
| Net interest margin | 4.4771% | 530 |
| Noninterest income to average assets | 1.5251% | 447 |
| Noninterest expense to average assets | 3.6173% | 632 |
| Loan and lease loss provision to assets | 0.2727% | 1,572 |
| Net operating income to assets | 1.2779% | 1,416 |
| Return on assets (ROA) | 1.2779% | 1,534 |
| Pretax return on assets | 1.6578% | 1,083 |
| Return on Equity (ROE) | 8.9856% | 2,366 |
| Retained earnings to average equity (ytd only) | 8.9856% | 1,009 |
| Net charge-offs to loans | 0.3690% | 432 |
| Credit loss provision to net charge-offs | 117.1875% | 2,302 |
| Earnings coverage of net charge-offs (x) | 8.2969% | 2,297 |
| Efficiency ratio | 65.2031% | 2,633 |
| Assets per employee ($millions) | 3.2264% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6265% | 947 |
| Loan loss allowance to noncurrent loans | 80.4000% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.5463% | 593 |
| Noncurrent loans to loans | 2.0230% | 663 |
| Net loans and leases to total assets | 61.1025% | 3,203 |
| Net loans and leases to deposits | 70.7807% | 3,361 |
| Net loans and leases to core deposits | 74.6716% | 3,404 |
| Total domestic deposits to total assets | 86.3266% | 1,880 |
| Equity capital to assets | 13.4924% | 987 |
| Core capital (leverage) ratio | 13.8064% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,026,000 | 3,867 |
| Average earning assets | $98,858,333 | 3,895 |
| Average equity | $15,647,333 | 3,591 |
| Average total loans | $69,378,667 | 3,764 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4628% | 405 |
| Cost of funding earning assets | 0.6259% | 3,303 |
| Net interest margin | 4.8369% | 258 |
| Noninterest income to average assets | 0.9226% | 1,020 |
| Noninterest expense to average assets | 3.8196% | 608 |
| Loan and lease loss provision to assets | 0.3797% | 806 |
| Net operating income to assets | 0.7480% | 3,101 |
| Return on assets (ROA) | 0.7480% | 3,174 |
| Pretax return on assets | 1.0365% | 2,713 |
| Return on Equity (ROE) | 5.1111% | 3,591 |
| Retained earnings to average equity (ytd only) | 5.1111% | 2,224 |
| Net charge-offs to loans | 0.1791% | 749 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 12.4333% | 1,693 |
| Efficiency ratio | 72.9514% | 1,945 |
| Assets per employee ($millions) | 2.8812% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 652 |
| Loan loss allowance to noncurrent loans | 129.1452% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.0844% | 1,204 |
| Noncurrent loans to loans | 1.4398% | 1,109 |
| Net loans and leases to total assets | 62.0877% | 3,289 |
| Net loans and leases to deposits | 72.8309% | 3,370 |
| Net loans and leases to core deposits | 77.3893% | 3,396 |
| Total domestic deposits to total assets | 85.2491% | 2,313 |
| Equity capital to assets | 14.5295% | 887 |
| Core capital (leverage) ratio | 14.7364% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,350,000 | 3,911 |
| Average earning assets | $93,944,000 | 3,966 |
| Average equity | $15,417,500 | 3,618 |
| Average total loans | $66,993,500 | 3,821 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6200% | 458 |
| Cost of funding earning assets | 0.6016% | 3,630 |
| Net interest margin | 5.0183% | 260 |
| Noninterest income to average assets | 1.0101% | 949 |
| Noninterest expense to average assets | 3.6729% | 787 |
| Loan and lease loss provision to assets | 0.0477% | 3,072 |
| Net operating income to assets | 1.3901% | 1,372 |
| Return on assets (ROA) | 1.3901% | 1,444 |
| Pretax return on assets | 1.7653% | 1,032 |
| Return on Equity (ROE) | 9.2641% | 2,629 |
| Retained earnings to average equity (ytd only) | 0.3563% | 4,590 |
| Net charge-offs to loans | 0.1024% | 1,702 |
| Credit loss provision to net charge-offs | 75.7576% | 2,843 |
| Earnings coverage of net charge-offs (x) | 28.7727% | 1,620 |
| Efficiency ratio | 66.9509% | 2,628 |
| Assets per employee ($millions) | 2.8134% | 4,900 |
| Cash dividends to net income (ytd only)* | 96.1538% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 684 |
| Loan loss allowance to noncurrent loans | 111.6981% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 1,100 |
| Noncurrent loans to loans | 1.5929% | 885 |
| Net loans and leases to total assets | 62.7892% | 3,331 |
| Net loans and leases to deposits | 73.7767% | 3,374 |
| Net loans and leases to core deposits | 78.5023% | 3,417 |
| Total domestic deposits to total assets | 85.1070% | 2,451 |
| Equity capital to assets | 14.7422% | 861 |
| Core capital (leverage) ratio | 14.6779% | 750 |
| Tier 1 risk-based capital ratio | 21.1670% | 1,138 |
| Total risk-based capital ratio | 22.4214% | 1,114 |
| Memoranda: | ||
| Average total assets | $104,740,200 | 3,920 |
| Average earning assets | $93,417,200 | 3,982 |
| Average equity | $15,716,600 | 3,572 |
| Average total loans | $64,441,800 | 3,897 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 496 |
| Cost of funding earning assets | 0.5837% | 3,767 |
| Net interest margin | 5.0137% | 283 |
| Noninterest income to average assets | 1.0143% | 910 |
| Noninterest expense to average assets | 3.6160% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4655% | 1,287 |
| Return on assets (ROA) | 1.4655% | 1,342 |
| Pretax return on assets | 1.8633% | 954 |
| Return on Equity (ROE) | 9.7240% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.7240% | 821 |
| Net charge-offs to loans | 0.1460% | 1,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 20.9431% | 1,933 |
| Efficiency ratio | 65.9940% | 2,726 |
| Assets per employee ($millions) | 2.7968% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 750 |
| Loan loss allowance to noncurrent loans | 106.6038% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 1,096 |
| Noncurrent loans to loans | 1.6354% | 897 |
| Net loans and leases to total assets | 61.5405% | 3,542 |
| Net loans and leases to deposits | 73.4541% | 3,525 |
| Net loans and leases to core deposits | 77.7706% | 3,569 |
| Total domestic deposits to total assets | 83.7809% | 2,902 |
| Equity capital to assets | 15.8896% | 656 |
| Core capital (leverage) ratio | 15.7330% | 596 |
| Tier 1 risk-based capital ratio | 23.1402% | 932 |
| Total risk-based capital ratio | 24.3932% | 913 |
| Memoranda: | ||
| Average total assets | $104,901,250 | 3,957 |
| Average earning assets | $93,421,000 | 4,023 |
| Average equity | $15,809,250 | 3,597 |
| Average total loans | $63,916,000 | 3,953 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4844% | 582 |
| Cost of funding earning assets | 0.5643% | 3,813 |
| Net interest margin | 4.9201% | 339 |
| Noninterest income to average assets | 0.9870% | 893 |
| Noninterest expense to average assets | 3.4885% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4672% | 1,241 |
| Return on assets (ROA) | 1.4672% | 1,297 |
| Pretax return on assets | 1.8676% | 898 |
| Return on Equity (ROE) | 9.9115% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.9115% | 787 |
| Net charge-offs to loans | 0.1855% | 891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 16.6780% | 1,923 |
| Efficiency ratio | 65.1311% | 2,958 |
| Assets per employee ($millions) | 2.7740% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 754 |
| Loan loss allowance to noncurrent loans | 133.7632% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 1,550 |
| Noncurrent loans to loans | 1.3071% | 1,205 |
| Net loans and leases to total assets | 60.8255% | 3,670 |
| Net loans and leases to deposits | 71.9449% | 3,691 |
| Net loans and leases to core deposits | 75.3726% | 3,779 |
| Total domestic deposits to total assets | 84.5446% | 2,669 |
| Equity capital to assets | 15.2315% | 760 |
| Core capital (leverage) ratio | 15.2228% | 663 |
| Tier 1 risk-based capital ratio | 22.4721% | 1,000 |
| Total risk-based capital ratio | 23.7263% | 980 |
| Memoranda: | ||
| Average total assets | $105,374,000 | 3,969 |
| Average earning assets | $93,575,000 | 4,044 |
| Average equity | $15,598,000 | 3,621 |
| Average total loans | $63,616,670 | 3,981 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4257% | 597 |
| Cost of funding earning assets | 0.5332% | 3,902 |
| Net interest margin | 4.8925% | 341 |
| Noninterest income to average assets | 0.9416% | 941 |
| Noninterest expense to average assets | 3.5309% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4010% | 1,375 |
| Return on assets (ROA) | 1.4010% | 1,407 |
| Pretax return on assets | 1.7655% | 1,063 |
| Return on Equity (ROE) | 9.6037% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.6037% | 1,135 |
| Net charge-offs to loans | 0.3758% | 415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.8814% | 2,110 |
| Efficiency ratio | 66.6667% | 2,838 |
| Assets per employee ($millions) | 2.8938% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 709 |
| Loan loss allowance to noncurrent loans | 169.0370% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 1,959 |
| Noncurrent loans to loans | 1.0649% | 1,567 |
| Net loans and leases to total assets | 58.1335% | 3,873 |
| Net loans and leases to deposits | 68.1966% | 3,911 |
| Net loans and leases to core deposits | 72.6171% | 3,904 |
| Total domestic deposits to total assets | 85.2441% | 2,585 |
| Equity capital to assets | 14.5644% | 866 |
| Core capital (leverage) ratio | 14.7966% | 744 |
| Tier 1 risk-based capital ratio | 22.2153% | 1,025 |
| Total risk-based capital ratio | 23.4685% | 1,007 |
| Memoranda: | ||
| Average total assets | $105,354,500 | 4,017 |
| Average earning assets | $93,775,500 | 4,077 |
| Average equity | $15,369,000 | 3,661 |
| Average total loans | $62,795,500 | 4,034 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 833 |
| Cost of funding earning assets | 0.3599% | 4,220 |
| Net interest margin | 4.7457% | 447 |
| Noninterest income to average assets | 0.9936% | 956 |
| Noninterest expense to average assets | 3.5621% | 915 |
| Loan and lease loss provision to assets | 0.0467% | 3,249 |
| Net operating income to assets | 1.3029% | 1,787 |
| Return on assets (ROA) | 1.3029% | 1,775 |
| Pretax return on assets | 1.5880% | 1,502 |
| Return on Equity (ROE) | 9.1186% | 2,936 |
| Retained earnings to average equity (ytd only) | 1.9232% | 4,379 |
| Net charge-offs to loans | 0.0683% | 2,139 |
| Credit loss provision to net charge-offs | 119.0476% | 2,183 |
| Earnings coverage of net charge-offs (x) | 41.6429% | 1,273 |
| Efficiency ratio | 68.5432% | 2,463 |
| Assets per employee ($millions) | 2.8011% | 5,092 |
| Cash dividends to net income (ytd only)* | 78.9096% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 545 |
| Loan loss allowance to noncurrent loans | 108.9918% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.1521% | 1,145 |
| Noncurrent loans to loans | 1.7699% | 806 |
| Net loans and leases to total assets | 58.8643% | 3,886 |
| Net loans and leases to deposits | 69.0750% | 3,897 |
| Net loans and leases to core deposits | 73.7031% | 3,875 |
| Total domestic deposits to total assets | 85.2181% | 2,549 |
| Equity capital to assets | 14.6121% | 806 |
| Core capital (leverage) ratio | 14.6832% | 759 |
| Tier 1 risk-based capital ratio | 22.0642% | 1,022 |
| Total risk-based capital ratio | 23.3188% | 1,001 |
| Memoranda: | ||
| Average total assets | $106,988,800 | 3,987 |
| Average earning assets | $94,759,800 | 4,050 |
| Average equity | $15,287,400 | 3,603 |
| Average total loans | $61,479,600 | 4,059 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0698% | 809 |
| Cost of funding earning assets | 0.3251% | 4,348 |
| Net interest margin | 4.7447% | 428 |
| Noninterest income to average assets | 0.9892% | 978 |
| Noninterest expense to average assets | 3.4957% | 987 |
| Loan and lease loss provision to assets | 0.0618% | 2,742 |
| Net operating income to assets | 1.2947% | 1,880 |
| Return on assets (ROA) | 1.2947% | 1,881 |
| Pretax return on assets | 1.6186% | 1,518 |
| Return on Equity (ROE) | 9.1101% | 3,036 |
| Retained earnings to average equity (ytd only) | 9.1101% | 1,180 |
| Net charge-offs to loans | 0.0979% | 1,517 |
| Credit loss provision to net charge-offs | 111.1111% | 2,097 |
| Earnings coverage of net charge-offs (x) | 30.1992% | 1,600 |
| Efficiency ratio | 67.5346% | 2,622 |
| Assets per employee ($millions) | 2.7873% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9564% | 526 |
| Loan loss allowance to noncurrent loans | 178.1250% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 1,688 |
| Noncurrent loans to loans | 1.0983% | 1,550 |
| Net loans and leases to total assets | 56.6354% | 4,164 |
| Net loans and leases to deposits | 66.8003% | 4,143 |
| Net loans and leases to core deposits | 70.7824% | 4,138 |
| Total domestic deposits to total assets | 84.7832% | 2,692 |
| Equity capital to assets | 14.9364% | 737 |
| Core capital (leverage) ratio | 15.2476% | 643 |
| Tier 1 risk-based capital ratio | 23.1182% | 924 |
| Total risk-based capital ratio | 24.3739% | 899 |
| Memoranda: | ||
| Average total assets | $107,826,000 | 4,016 |
| Average earning assets | $95,148,500 | 4,094 |
| Average equity | $15,323,250 | 3,623 |
| Average total loans | $61,297,750 | 4,098 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 805 |
| Cost of funding earning assets | 0.2925% | 4,468 |
| Net interest margin | 4.7149% | 420 |
| Noninterest income to average assets | 0.9755% | 1,003 |
| Noninterest expense to average assets | 3.3984% | 1,135 |
| Loan and lease loss provision to assets | 0.0922% | 2,077 |
| Net operating income to assets | 1.3000% | 1,775 |
| Return on assets (ROA) | 1.3000% | 1,768 |
| Pretax return on assets | 1.6466% | 1,349 |
| Return on Equity (ROE) | 9.3022% | 2,893 |
| Retained earnings to average equity (ytd only) | 9.3022% | 1,126 |
| Net charge-offs to loans | -0.0098% | 4,312 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1522% | 2,948 |
| Assets per employee ($millions) | 2.7861% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0387% | 485 |
| Loan loss allowance to noncurrent loans | 1,082.6087% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 2,889 |
| Noncurrent loans to loans | 0.1883% | 4,065 |
| Net loans and leases to total assets | 56.5056% | 4,119 |
| Net loans and leases to deposits | 66.3697% | 4,148 |
| Net loans and leases to core deposits | 70.1243% | 4,135 |
| Total domestic deposits to total assets | 85.1376% | 2,625 |
| Equity capital to assets | 14.6442% | 770 |
| Core capital (leverage) ratio | 14.6840% | 738 |
| Tier 1 risk-based capital ratio | 22.8220% | 951 |
| Total risk-based capital ratio | 24.0784% | 933 |
| Memoranda: | ||
| Average total assets | $108,462,670 | 4,042 |
| Average earning assets | $95,738,330 | 4,118 |
| Average equity | $15,157,670 | 3,659 |
| Average total loans | $61,336,000 | 4,130 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 839 |
| Cost of funding earning assets | 0.2881% | 4,433 |
| Net interest margin | 4.6306% | 472 |
| Noninterest income to average assets | 1.0095% | 896 |
| Noninterest expense to average assets | 3.4512% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2209% | 1,920 |
| Return on assets (ROA) | 1.2209% | 1,932 |
| Pretax return on assets | 1.6582% | 1,222 |
| Return on Equity (ROE) | 8.9426% | 2,932 |
| Retained earnings to average equity (ytd only) | 8.9426% | 1,475 |
| Net charge-offs to loans | -0.1106% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5464% | 2,906 |
| Assets per employee ($millions) | 2.9719% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9327% | 623 |
| Loan loss allowance to noncurrent loans | 1,752.1739% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 3,215 |
| Noncurrent loans to loans | 0.1103% | 4,475 |
| Net loans and leases to total assets | 55.7893% | 4,137 |
| Net loans and leases to deposits | 64.8921% | 4,160 |
| Net loans and leases to core deposits | 68.2005% | 4,206 |
| Total domestic deposits to total assets | 85.9724% | 2,554 |
| Equity capital to assets | 13.7466% | 965 |
| Core capital (leverage) ratio | 14.2072% | 831 |
| Tier 1 risk-based capital ratio | 21.9082% | 1,063 |
| Total risk-based capital ratio | 23.1637% | 1,040 |
| Memoranda: | ||
| Average total assets | $109,758,500 | 4,071 |
| Average earning assets | $97,180,500 | 4,143 |
| Average equity | $14,984,500 | 3,712 |
| Average total loans | $61,470,000 | 4,167 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 967 |
| Cost of funding earning assets | 0.2928% | 4,206 |
| Net interest margin | 4.5134% | 596 |
| Noninterest income to average assets | 0.9283% | 1,193 |
| Noninterest expense to average assets | 3.5269% | 989 |
| Loan and lease loss provision to assets | -0.0046% | 5,292 |
| Net operating income to assets | 0.8840% | 2,797 |
| Return on assets (ROA) | 0.8840% | 2,820 |
| Pretax return on assets | 1.3984% | 1,994 |
| Return on Equity (ROE) | 6.3057% | 3,623 |
| Retained earnings to average equity (ytd only) | 0.0592% | 4,980 |
| Net charge-offs to loans | -0.0842% | 5,332 |
| Credit loss provision to net charge-offs | 9.6154% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6748% | 2,281 |
| Assets per employee ($millions) | 3.0432% | 5,167 |
| Cash dividends to net income (ytd only)* | 99.0615% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9740% | 562 |
| Loan loss allowance to noncurrent loans | 421.2014% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 2,548 |
| Noncurrent loans to loans | 0.4687% | 3,098 |
| Net loans and leases to total assets | 54.0295% | 4,361 |
| Net loans and leases to deposits | 62.6178% | 4,397 |
| Net loans and leases to core deposits | 65.8106% | 4,425 |
| Total domestic deposits to total assets | 86.2845% | 2,321 |
| Equity capital to assets | 13.5576% | 1,041 |
| Core capital (leverage) ratio | 13.7860% | 891 |
| Tier 1 risk-based capital ratio | 22.1541% | 1,001 |
| Total risk-based capital ratio | 23.4093% | 975 |
| Memoranda: | ||
| Average total assets | $108,480,800 | 4,093 |
| Average earning assets | $95,959,600 | 4,159 |
| Average equity | $15,208,400 | 3,697 |
| Average total loans | $61,735,200 | 4,161 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 900 |
| Cost of funding earning assets | 0.2926% | 4,205 |
| Net interest margin | 4.5229% | 571 |
| Noninterest income to average assets | 0.9253% | 1,199 |
| Noninterest expense to average assets | 3.5128% | 973 |
| Loan and lease loss provision to assets | -0.0062% | 5,448 |
| Net operating income to assets | 0.9315% | 2,876 |
| Return on assets (ROA) | 0.9315% | 2,935 |
| Pretax return on assets | 1.4182% | 2,068 |
| Return on Equity (ROE) | 6.5892% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.5892% | 1,914 |
| Net charge-offs to loans | 0.2363% | 905 |
| Credit loss provision to net charge-offs | -4.5455% | 4,370 |
| Earnings coverage of net charge-offs (x) | 10.4184% | 2,595 |
| Efficiency ratio | 71.3285% | 2,319 |
| Assets per employee ($millions) | 3.0185% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 941 |
| Loan loss allowance to noncurrent loans | 1,095.7447% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 3,166 |
| Noncurrent loans to loans | 0.1598% | 4,421 |
| Net loans and leases to total assets | 53.1993% | 4,478 |
| Net loans and leases to deposits | 62.3459% | 4,491 |
| Net loans and leases to core deposits | 65.6033% | 4,510 |
| Total domestic deposits to total assets | 85.3292% | 2,584 |
| Equity capital to assets | 14.4361% | 873 |
| Core capital (leverage) ratio | 14.5605% | 754 |
| Tier 1 risk-based capital ratio | 23.3976% | 906 |
| Total risk-based capital ratio | 24.6497% | 889 |
| Memoranda: | ||
| Average total assets | $108,212,250 | 4,134 |
| Average earning assets | $95,689,250 | 4,211 |
| Average equity | $15,297,250 | 3,715 |
| Average total loans | $62,073,000 | 4,189 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 969 |
| Cost of funding earning assets | 0.2893% | 4,192 |
| Net interest margin | 4.4588% | 624 |
| Noninterest income to average assets | 0.9439% | 1,145 |
| Noninterest expense to average assets | 3.4517% | 1,078 |
| Loan and lease loss provision to assets | -0.0093% | 5,542 |
| Net operating income to assets | 0.9754% | 2,547 |
| Return on assets (ROA) | 0.9754% | 2,592 |
| Pretax return on assets | 1.4658% | 1,777 |
| Return on Equity (ROE) | 6.9491% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.9491% | 1,614 |
| Net charge-offs to loans | 0.3135% | 651 |
| Credit loss provision to net charge-offs | -5.0505% | 4,207 |
| Earnings coverage of net charge-offs (x) | 7.9495% | 2,556 |
| Efficiency ratio | 70.3243% | 2,618 |
| Assets per employee ($millions) | 3.0124% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 1,144 |
| Loan loss allowance to noncurrent loans | 139.5442% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 1,391 |
| Noncurrent loans to loans | 1.1868% | 1,645 |
| Net loans and leases to total assets | 57.0006% | 4,121 |
| Net loans and leases to deposits | 66.6035% | 4,180 |
| Net loans and leases to core deposits | 70.0782% | 4,218 |
| Total domestic deposits to total assets | 85.5820% | 2,581 |
| Equity capital to assets | 14.2538% | 889 |
| Core capital (leverage) ratio | 14.2947% | 782 |
| Tier 1 risk-based capital ratio | 22.1342% | 1,036 |
| Total risk-based capital ratio | 23.3863% | 1,014 |
| Memoranda: | ||
| Average total assets | $108,061,330 | 4,166 |
| Average earning assets | $96,080,670 | 4,232 |
| Average equity | $15,167,330 | 3,740 |
| Average total loans | $63,151,000 | 4,171 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 1,028 |
| Cost of funding earning assets | 0.2828% | 4,227 |
| Net interest margin | 4.3674% | 676 |
| Noninterest income to average assets | 0.9345% | 1,156 |
| Noninterest expense to average assets | 3.5747% | 932 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8455% | 3,010 |
| Return on assets (ROA) | 0.8455% | 3,055 |
| Pretax return on assets | 1.2534% | 2,404 |
| Return on Equity (ROE) | 6.0711% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.0711% | 2,295 |
| Net charge-offs to loans | 0.1706% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.5185% | 1,837 |
| Efficiency ratio | 74.0399% | 2,227 |
| Assets per employee ($millions) | 3.2238% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 1,055 |
| Loan loss allowance to noncurrent loans | 101.4519% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4424% | 1,143 |
| Noncurrent loans to loans | 1.7254% | 1,113 |
| Net loans and leases to total assets | 57.2493% | 4,038 |
| Net loans and leases to deposits | 66.6408% | 4,121 |
| Net loans and leases to core deposits | 70.0643% | 4,147 |
| Total domestic deposits to total assets | 85.9073% | 2,709 |
| Equity capital to assets | 13.8181% | 961 |
| Core capital (leverage) ratio | 14.1554% | 800 |
| Tier 1 risk-based capital ratio | 21.5619% | 1,146 |
| Total risk-based capital ratio | 22.8155% | 1,123 |
| Memoranda: | ||
| Average total assets | $107,868,000 | 4,207 |
| Average earning assets | $96,168,000 | 4,268 |
| Average equity | $15,022,000 | 3,779 |
| Average total loans | $63,298,000 | 4,196 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7585% | 948 |
| Cost of funding earning assets | 0.2714% | 4,349 |
| Net interest margin | 4.4871% | 645 |
| Noninterest income to average assets | 0.9254% | 1,332 |
| Noninterest expense to average assets | 3.3825% | 1,398 |
| Loan and lease loss provision to assets | 0.0746% | 2,859 |
| Net operating income to assets | 0.9655% | 2,508 |
| Return on assets (ROA) | 0.9655% | 2,612 |
| Pretax return on assets | 1.4627% | 1,705 |
| Return on Equity (ROE) | 6.7904% | 3,585 |
| Retained earnings to average equity (ytd only) | 0.2296% | 5,225 |
| Net charge-offs to loans | 0.2200% | 1,256 |
| Credit loss provision to net charge-offs | 56.3380% | 3,298 |
| Earnings coverage of net charge-offs (x) | 11.6056% | 2,525 |
| Efficiency ratio | 68.7524% | 3,116 |
| Assets per employee ($millions) | 3.1214% | 5,244 |
| Cash dividends to net income (ytd only)* | 96.6184% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 907 |
| Loan loss allowance to noncurrent loans | 122.4599% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3701% | 1,257 |
| Noncurrent loans to loans | 1.4906% | 1,352 |
| Net loans and leases to total assets | 58.0273% | 4,065 |
| Net loans and leases to deposits | 67.6294% | 4,114 |
| Net loans and leases to core deposits | 71.0034% | 4,150 |
| Total domestic deposits to total assets | 85.8018% | 2,680 |
| Equity capital to assets | 14.0380% | 878 |
| Core capital (leverage) ratio | 14.1431% | 780 |
| Tier 1 risk-based capital ratio | 21.8772% | 1,100 |
| Total risk-based capital ratio | 23.1320% | 1,075 |
| Memoranda: | ||
| Average total assets | $107,198,200 | 4,219 |
| Average earning assets | $95,429,000 | 4,285 |
| Average equity | $15,242,000 | 3,785 |
| Average total loans | $64,544,800 | 4,168 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 958 |
| Cost of funding earning assets | 0.2677% | 4,418 |
| Net interest margin | 4.4989% | 632 |
| Noninterest income to average assets | 0.9479% | 1,259 |
| Noninterest expense to average assets | 3.4354% | 1,276 |
| Loan and lease loss provision to assets | 0.0620% | 2,991 |
| Net operating income to assets | 0.9516% | 2,644 |
| Return on assets (ROA) | 0.9516% | 2,786 |
| Pretax return on assets | 1.4541% | 1,867 |
| Return on Equity (ROE) | 6.6717% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.6717% | 1,800 |
| Net charge-offs to loans | 0.2379% | 985 |
| Credit loss provision to net charge-offs | 43.1034% | 3,127 |
| Earnings coverage of net charge-offs (x) | 10.5347% | 2,561 |
| Efficiency ratio | 69.3811% | 2,986 |
| Assets per employee ($millions) | 2.9889% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 1,106 |
| Loan loss allowance to noncurrent loans | 126.9188% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 1,366 |
| Noncurrent loans to loans | 1.3775% | 1,597 |
| Net loans and leases to total assets | 59.5933% | 3,929 |
| Net loans and leases to deposits | 69.9720% | 3,989 |
| Net loans and leases to core deposits | 73.6504% | 4,028 |
| Total domestic deposits to total assets | 85.1674% | 2,728 |
| Equity capital to assets | 14.6067% | 840 |
| Core capital (leverage) ratio | 14.6882% | 687 |
| Tier 1 risk-based capital ratio | 22.1931% | 1,114 |
| Total risk-based capital ratio | 23.4463% | 1,093 |
| Memoranda: | ||
| Average total assets | $107,466,250 | 4,246 |
| Average earning assets | $95,636,000 | 4,310 |
| Average equity | $15,328,000 | 3,802 |
| Average total loans | $64,999,250 | 4,187 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 1,009 |
| Cost of funding earning assets | 0.2647% | 4,504 |
| Net interest margin | 4.4560% | 679 |
| Noninterest income to average assets | 0.9328% | 1,281 |
| Noninterest expense to average assets | 3.3085% | 1,573 |
| Loan and lease loss provision to assets | 0.0931% | 2,292 |
| Net operating income to assets | 0.9961% | 2,414 |
| Return on assets (ROA) | 0.9961% | 2,550 |
| Pretax return on assets | 1.5118% | 1,637 |
| Return on Equity (ROE) | 7.0402% | 3,517 |
| Retained earnings to average equity (ytd only) | 7.0402% | 1,580 |
| Net charge-offs to loans | 0.3513% | 669 |
| Credit loss provision to net charge-offs | 43.8596% | 2,734 |
| Earnings coverage of net charge-offs (x) | 7.5614% | 2,614 |
| Efficiency ratio | 67.3361% | 3,478 |
| Assets per employee ($millions) | 3.0549% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 1,205 |
| Loan loss allowance to noncurrent loans | 144.6835% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.2785% | 1,594 |
| Noncurrent loans to loans | 1.1981% | 1,922 |
| Net loans and leases to total assets | 60.6008% | 3,804 |
| Net loans and leases to deposits | 71.0160% | 3,883 |
| Net loans and leases to core deposits | 74.7701% | 3,926 |
| Total domestic deposits to total assets | 85.3340% | 2,720 |
| Equity capital to assets | 14.4995% | 870 |
| Core capital (leverage) ratio | 14.2427% | 762 |
| Tier 1 risk-based capital ratio | 21.7042% | 1,167 |
| Total risk-based capital ratio | 22.9579% | 1,154 |
| Memoranda: | ||
| Average total assets | $107,421,330 | 4,279 |
| Average earning assets | $95,961,000 | 4,342 |
| Average equity | $15,198,330 | 3,837 |
| Average total loans | $64,911,000 | 4,219 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6516% | 1,145 |
| Cost of funding earning assets | 0.2614% | 4,595 |
| Net interest margin | 4.3902% | 754 |
| Noninterest income to average assets | 0.9139% | 1,281 |
| Noninterest expense to average assets | 3.3992% | 1,379 |
| Loan and lease loss provision to assets | 0.1858% | 1,069 |
| Net operating income to assets | 0.8322% | 3,082 |
| Return on assets (ROA) | 0.8322% | 3,213 |
| Pretax return on assets | 1.2594% | 2,473 |
| Return on Equity (ROE) | 5.9551% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.9551% | 2,391 |
| Net charge-offs to loans | 0.8013% | 255 |
| Credit loss provision to net charge-offs | 38.7597% | 2,153 |
| Earnings coverage of net charge-offs (x) | 3.0155% | 2,601 |
| Efficiency ratio | 70.1687% | 3,088 |
| Assets per employee ($millions) | 3.2702% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 1,286 |
| Loan loss allowance to noncurrent loans | 129.6552% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.3307% | 1,604 |
| Noncurrent loans to loans | 1.3340% | 1,787 |
| Net loans and leases to total assets | 59.3892% | 3,863 |
| Net loans and leases to deposits | 69.2831% | 3,921 |
| Net loans and leases to core deposits | 72.8903% | 3,984 |
| Total domestic deposits to total assets | 85.7196% | 2,801 |
| Equity capital to assets | 14.0552% | 959 |
| Core capital (leverage) ratio | 14.1594% | 776 |
| Tier 1 risk-based capital ratio | 21.8646% | 1,182 |
| Total risk-based capital ratio | 23.1189% | 1,164 |
| Memoranda: | ||
| Average total assets | $107,671,500 | 4,310 |
| Average earning assets | $96,396,500 | 4,374 |
| Average equity | $15,046,000 | 3,862 |
| Average total loans | $64,397,500 | 4,250 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 1,340 |
| Cost of funding earning assets | 0.3187% | 4,049 |
| Net interest margin | 4.2772% | 1,005 |
| Noninterest income to average assets | 0.8119% | 1,740 |
| Noninterest expense to average assets | 3.2717% | 1,785 |
| Loan and lease loss provision to assets | 0.0046% | 4,299 |
| Net operating income to assets | 0.9695% | 2,524 |
| Return on assets (ROA) | 0.9695% | 2,596 |
| Pretax return on assets | 1.3671% | 2,040 |
| Return on Equity (ROE) | 6.8951% | 3,565 |
| Retained earnings to average equity (ytd only) | 0.3032% | 5,390 |
| Net charge-offs to loans | -0.0032% | 4,920 |
| Credit loss provision to net charge-offs | -250.0000% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4591% | 3,151 |
| Assets per employee ($millions) | 3.2553% | 5,217 |
| Cash dividends to net income (ytd only)* | 95.6023% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8985% | 958 |
| Loan loss allowance to noncurrent loans | 100.7513% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.5183% | 1,332 |
| Noncurrent loans to loans | 1.8844% | 1,138 |
| Net loans and leases to total assets | 58.0576% | 4,085 |
| Net loans and leases to deposits | 67.5274% | 4,168 |
| Net loans and leases to core deposits | 71.0434% | 4,209 |
| Total domestic deposits to total assets | 85.9764% | 2,649 |
| Equity capital to assets | 13.8924% | 969 |
| Core capital (leverage) ratio | 13.9683% | 832 |
| Tier 1 risk-based capital ratio | 21.6670% | 1,192 |
| Total risk-based capital ratio | 22.9228% | 1,171 |
| Memoranda: | ||
| Average total assets | $107,896,200 | 4,298 |
| Average earning assets | $96,652,200 | 4,381 |
| Average equity | $15,170,200 | 3,813 |
| Average total loans | $61,725,400 | 4,330 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 1,390 |
| Cost of funding earning assets | 0.3425% | 3,836 |
| Net interest margin | 4.2347% | 1,093 |
| Noninterest income to average assets | 0.7752% | 1,904 |
| Noninterest expense to average assets | 3.3143% | 1,656 |
| Loan and lease loss provision to assets | 0.0062% | 4,139 |
| Net operating income to assets | 0.8653% | 3,109 |
| Return on assets (ROA) | 0.8653% | 3,195 |
| Pretax return on assets | 1.2554% | 2,576 |
| Return on Equity (ROE) | 6.1361% | 4,095 |
| Retained earnings to average equity (ytd only) | 6.1361% | 2,161 |
| Net charge-offs to loans | -0.0762% | 5,686 |
| Credit loss provision to net charge-offs | -14.2857% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4305% | 2,801 |
| Assets per employee ($millions) | 3.1172% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9767% | 946 |
| Loan loss allowance to noncurrent loans | 112.6249% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.4474% | 1,562 |
| Noncurrent loans to loans | 1.7551% | 1,357 |
| Net loans and leases to total assets | 58.0195% | 4,141 |
| Net loans and leases to deposits | 68.1987% | 4,176 |
| Net loans and leases to core deposits | 71.8667% | 4,200 |
| Total domestic deposits to total assets | 85.0743% | 2,974 |
| Equity capital to assets | 14.7247% | 799 |
| Core capital (leverage) ratio | 14.7255% | 693 |
| Tier 1 risk-based capital ratio | 24.0043% | 948 |
| Total risk-based capital ratio | 25.2616% | 933 |
| Memoranda: | ||
| Average total assets | $108,013,750 | 4,344 |
| Average earning assets | $96,943,750 | 4,413 |
| Average equity | $15,231,750 | 3,831 |
| Average total loans | $61,262,750 | 4,391 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,520 |
| Cost of funding earning assets | 0.3715% | 3,582 |
| Net interest margin | 4.1337% | 1,267 |
| Noninterest income to average assets | 0.7324% | 2,075 |
| Noninterest expense to average assets | 3.2422% | 1,862 |
| Loan and lease loss provision to assets | 0.0092% | 3,923 |
| Net operating income to assets | 0.8851% | 2,966 |
| Return on assets (ROA) | 0.8851% | 3,078 |
| Pretax return on assets | 1.1869% | 2,831 |
| Return on Equity (ROE) | 6.3679% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.3679% | 2,024 |
| Net charge-offs to loans | -0.1382% | 5,904 |
| Credit loss provision to net charge-offs | -11.9048% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0514% | 2,828 |
| Assets per employee ($millions) | 3.2372% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9962% | 994 |
| Loan loss allowance to noncurrent loans | 215.3713% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 3,052 |
| Noncurrent loans to loans | 0.9268% | 2,817 |
| Net loans and leases to total assets | 57.3099% | 4,184 |
| Net loans and leases to deposits | 68.9518% | 4,037 |
| Net loans and leases to core deposits | 72.7157% | 4,065 |
| Total domestic deposits to total assets | 83.1158% | 3,903 |
| Equity capital to assets | 14.3876% | 846 |
| Core capital (leverage) ratio | 13.8601% | 881 |
| Tier 1 risk-based capital ratio | 24.0970% | 945 |
| Total risk-based capital ratio | 25.3554% | 934 |
| Memoranda: | ||
| Average total assets | $108,690,000 | 4,365 |
| Average earning assets | $97,444,000 | 4,433 |
| Average equity | $15,107,000 | 3,868 |
| Average total loans | $60,773,000 | 4,439 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 1,846 |
| Cost of funding earning assets | 0.3757% | 3,585 |
| Net interest margin | 4.0025% | 1,544 |
| Noninterest income to average assets | 0.5911% | 2,694 |
| Noninterest expense to average assets | 3.3570% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6057% | 4,263 |
| Return on assets (ROA) | 0.6057% | 4,358 |
| Pretax return on assets | 0.8101% | 4,197 |
| Return on Equity (ROE) | 4.4339% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.4339% | 3,367 |
| Net charge-offs to loans | -0.1202% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5604% | 1,821 |
| Assets per employee ($millions) | 2.8705% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 986 |
| Loan loss allowance to noncurrent loans | 171.7913% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 2,806 |
| Noncurrent loans to loans | 1.1962% | 2,382 |
| Net loans and leases to total assets | 53.2215% | 4,528 |
| Net loans and leases to deposits | 63.5598% | 4,416 |
| Net loans and leases to core deposits | 66.6410% | 4,462 |
| Total domestic deposits to total assets | 83.7346% | 3,916 |
| Equity capital to assets | 13.8222% | 1,046 |
| Core capital (leverage) ratio | 13.8801% | 861 |
| Tier 1 risk-based capital ratio | 24.2126% | 972 |
| Total risk-based capital ratio | 25.4712% | 956 |
| Memoranda: | ||
| Average total assets | $109,621,000 | 4,375 |
| Average earning assets | $97,940,000 | 4,460 |
| Average equity | $14,975,500 | 3,917 |
| Average total loans | $59,924,500 | 4,493 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 1,634 |
| Cost of funding earning assets | 0.4010% | 3,677 |
| Net interest margin | 4.1695% | 1,389 |
| Noninterest income to average assets | 0.6197% | 2,741 |
| Noninterest expense to average assets | 3.2748% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7813% | 3,465 |
| Return on assets (ROA) | 0.7813% | 3,550 |
| Pretax return on assets | 1.1063% | 3,056 |
| Return on Equity (ROE) | 5.6393% | 4,341 |
| Retained earnings to average equity (ytd only) | 0.3380% | 5,624 |
| Net charge-offs to loans | -0.2470% | 6,299 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7485% | 2,709 |
| Assets per employee ($millions) | 3.1475% | 5,509 |
| Cash dividends to net income (ytd only)* | 94.0071% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 1,142 |
| Loan loss allowance to noncurrent loans | 202.3609% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1628% | 2,439 |
| Noncurrent loans to loans | 0.9789% | 2,880 |
| Net loans and leases to total assets | 53.8996% | 4,594 |
| Net loans and leases to deposits | 64.0878% | 4,520 |
| Net loans and leases to core deposits | 66.3434% | 4,646 |
| Total domestic deposits to total assets | 84.1028% | 3,664 |
| Equity capital to assets | 13.5017% | 1,161 |
| Core capital (leverage) ratio | 13.9642% | 820 |
| Tier 1 risk-based capital ratio | 23.7702% | 981 |
| Total risk-based capital ratio | 25.0292% | 959 |
| Memoranda: | ||
| Average total assets | $108,923,600 | 4,398 |
| Average earning assets | $98,261,200 | 4,446 |
| Average equity | $15,090,400 | 3,817 |
| Average total loans | $61,944,800 | 4,427 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,661 |
| Cost of funding earning assets | 0.4039% | 3,750 |
| Net interest margin | 4.1601% | 1,397 |
| Noninterest income to average assets | 0.6015% | 2,858 |
| Noninterest expense to average assets | 3.3328% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6973% | 3,953 |
| Return on assets (ROA) | 0.6973% | 4,048 |
| Pretax return on assets | 1.0496% | 3,380 |
| Return on Equity (ROE) | 5.0006% | 4,719 |
| Retained earnings to average equity (ytd only) | 5.0006% | 3,080 |
| Net charge-offs to loans | -0.4089% | 6,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0504% | 2,485 |
| Assets per employee ($millions) | 3.0240% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0158% | 1,226 |
| Loan loss allowance to noncurrent loans | 168.8950% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.8500% | 1,598 |
| Noncurrent loans to loans | 1.1935% | 2,664 |
| Net loans and leases to total assets | 56.8556% | 4,221 |
| Net loans and leases to deposits | 68.5946% | 4,073 |
| Net loans and leases to core deposits | 71.1611% | 4,230 |
| Total domestic deposits to total assets | 82.8864% | 4,186 |
| Equity capital to assets | 14.5673% | 838 |
| Core capital (leverage) ratio | 14.3207% | 764 |
| Tier 1 risk-based capital ratio | 24.7540% | 900 |
| Total risk-based capital ratio | 26.0130% | 889 |
| Memoranda: | ||
| Average total assets | $108,613,500 | 4,450 |
| Average earning assets | $98,713,250 | 4,477 |
| Average equity | $15,144,500 | 3,828 |
| Average total loans | $62,286,500 | 4,454 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 1,693 |
| Cost of funding earning assets | 0.4037% | 3,835 |
| Net interest margin | 4.1365% | 1,406 |
| Noninterest income to average assets | 0.4893% | 3,557 |
| Noninterest expense to average assets | 3.2537% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6409% | 4,151 |
| Return on assets (ROA) | 0.6409% | 4,252 |
| Pretax return on assets | 1.0152% | 3,423 |
| Return on Equity (ROE) | 4.6634% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.6634% | 3,177 |
| Net charge-offs to loans | -0.5561% | 6,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2190% | 2,586 |
| Assets per employee ($millions) | 3.0423% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 1,431 |
| Loan loss allowance to noncurrent loans | 136.7301% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.9338% | 1,667 |
| Noncurrent loans to loans | 1.4352% | 2,407 |
| Net loans and leases to total assets | 55.6956% | 4,325 |
| Net loans and leases to deposits | 66.5474% | 4,217 |
| Net loans and leases to core deposits | 68.9234% | 4,373 |
| Total domestic deposits to total assets | 83.6931% | 4,034 |
| Equity capital to assets | 13.8810% | 1,022 |
| Core capital (leverage) ratio | 13.9817% | 834 |
| Tier 1 risk-based capital ratio | 23.9638% | 990 |
| Total risk-based capital ratio | 25.2222% | 970 |
| Memoranda: | ||
| Average total assets | $109,538,000 | 4,455 |
| Average earning assets | $100,084,000 | 4,471 |
| Average equity | $15,053,330 | 3,847 |
| Average total loans | $62,577,330 | 4,465 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 1,645 |
| Cost of funding earning assets | 0.4045% | 3,919 |
| Net interest margin | 4.1445% | 1,355 |
| Noninterest income to average assets | 0.5915% | 2,786 |
| Noninterest expense to average assets | 3.0891% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9530% | 2,391 |
| Return on assets (ROA) | 0.9530% | 2,465 |
| Pretax return on assets | 1.3182% | 2,034 |
| Return on Equity (ROE) | 6.9700% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.9700% | 2,062 |
| Net charge-offs to loans | -1.0071% | 6,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0911% | 3,824 |
| Assets per employee ($millions) | 3.0602% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 1,735 |
| Loan loss allowance to noncurrent loans | 134.4866% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.9988% | 1,713 |
| Noncurrent loans to loans | 1.4174% | 2,656 |
| Net loans and leases to total assets | 56.2877% | 4,109 |
| Net loans and leases to deposits | 67.1689% | 3,952 |
| Net loans and leases to core deposits | 69.5471% | 4,151 |
| Total domestic deposits to total assets | 83.8002% | 4,344 |
| Equity capital to assets | 13.7136% | 1,032 |
| Core capital (leverage) ratio | 13.9269% | 843 |
| Tier 1 risk-based capital ratio | 24.9673% | 893 |
| Total risk-based capital ratio | 26.2267% | 877 |
| Memoranda: | ||
| Average total assets | $109,545,000 | 4,494 |
| Average earning assets | $100,855,500 | 4,486 |
| Average equity | $14,978,500 | 3,865 |
| Average total loans | $62,755,500 | 4,504 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 1,575 |
| Cost of funding earning assets | 0.4702% | 3,908 |
| Net interest margin | 4.2277% | 1,280 |
| Noninterest income to average assets | 0.6458% | 2,828 |
| Noninterest expense to average assets | 3.2842% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8470% | 3,054 |
| Return on assets (ROA) | 0.8470% | 3,131 |
| Pretax return on assets | 1.2190% | 2,501 |
| Return on Equity (ROE) | 6.2027% | 3,975 |
| Retained earnings to average equity (ytd only) | 0.1480% | 5,784 |
| Net charge-offs to loans | 0.0688% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 30.1591% | 1,187 |
| Efficiency ratio | 72.9294% | 3,302 |
| Assets per employee ($millions) | 3.1121% | 5,651 |
| Cash dividends to net income (ytd only)* | 97.6139% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 2,460 |
| Loan loss allowance to noncurrent loans | 78.6036% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.6920% | 2,176 |
| Noncurrent loans to loans | 2.1382% | 1,837 |
| Net loans and leases to total assets | 56.2311% | 4,284 |
| Net loans and leases to deposits | 67.0102% | 4,179 |
| Net loans and leases to core deposits | 68.9163% | 4,400 |
| Total domestic deposits to total assets | 83.9142% | 4,199 |
| Equity capital to assets | 13.6327% | 1,023 |
| Core capital (leverage) ratio | 13.6919% | 905 |
| Tier 1 risk-based capital ratio | 24.7757% | 872 |
| Total risk-based capital ratio | 26.0323% | 863 |
| Memoranda: | ||
| Average total assets | $108,856,000 | 4,522 |
| Average earning assets | $99,320,800 | 4,532 |
| Average equity | $14,864,400 | 3,892 |
| Average total loans | $63,970,800 | 4,485 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 1,468 |
| Cost of funding earning assets | 0.4847% | 3,919 |
| Net interest margin | 4.2684% | 1,166 |
| Noninterest income to average assets | 0.6934% | 2,647 |
| Noninterest expense to average assets | 3.2561% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9028% | 2,821 |
| Return on assets (ROA) | 0.9028% | 2,935 |
| Pretax return on assets | 1.3206% | 2,259 |
| Return on Equity (ROE) | 6.6090% | 3,867 |
| Retained earnings to average equity (ytd only) | 2.1253% | 5,044 |
| Net charge-offs to loans | 0.1656% | 2,900 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.4755% | 2,029 |
| Efficiency ratio | 71.1456% | 3,577 |
| Assets per employee ($millions) | 3.0944% | 5,686 |
| Cash dividends to net income (ytd only)* | 67.8428% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 3,055 |
| Loan loss allowance to noncurrent loans | 68.4032% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.7091% | 2,401 |
| Noncurrent loans to loans | 2.3217% | 1,886 |
| Net loans and leases to total assets | 57.8459% | 4,035 |
| Net loans and leases to deposits | 69.2464% | 3,899 |
| Net loans and leases to core deposits | 70.6736% | 4,245 |
| Total domestic deposits to total assets | 83.5363% | 4,363 |
| Equity capital to assets | 13.9181% | 988 |
| Core capital (leverage) ratio | 13.9655% | 877 |
| Tier 1 risk-based capital ratio | 24.6061% | 923 |
| Total risk-based capital ratio | 25.8609% | 903 |
| Memoranda: | ||
| Average total assets | $108,839,500 | 4,560 |
| Average earning assets | $99,020,750 | 4,587 |
| Average equity | $14,868,250 | 3,938 |
| Average total loans | $64,389,750 | 4,514 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 1,318 |
| Cost of funding earning assets | 0.4979% | 3,922 |
| Net interest margin | 4.3087% | 1,015 |
| Noninterest income to average assets | 0.7412% | 2,454 |
| Noninterest expense to average assets | 3.2784% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9338% | 2,648 |
| Return on assets (ROA) | 0.9338% | 2,781 |
| Pretax return on assets | 1.3686% | 2,044 |
| Return on Equity (ROE) | 6.8785% | 3,681 |
| Retained earnings to average equity (ytd only) | 0.1216% | 5,814 |
| Net charge-offs to loans | 0.1176% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.6316% | 1,498 |
| Efficiency ratio | 70.5488% | 3,725 |
| Assets per employee ($millions) | 3.1334% | 5,614 |
| Cash dividends to net income (ytd only)* | 98.2318% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 3,016 |
| Loan loss allowance to noncurrent loans | 128.8862% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.0851% | 3,566 |
| Noncurrent loans to loans | 1.2713% | 3,427 |
| Net loans and leases to total assets | 57.6393% | 4,039 |
| Net loans and leases to deposits | 68.6225% | 3,917 |
| Net loans and leases to core deposits | 70.0095% | 4,276 |
| Total domestic deposits to total assets | 83.9947% | 4,319 |
| Equity capital to assets | 13.5370% | 1,115 |
| Core capital (leverage) ratio | 13.5434% | 960 |
| Tier 1 risk-based capital ratio | 24.5990% | 921 |
| Total risk-based capital ratio | 25.8544% | 902 |
| Memoranda: | ||
| Average total assets | $109,017,670 | 4,584 |
| Average earning assets | $98,824,330 | 4,630 |
| Average equity | $14,799,670 | 3,985 |
| Average total loans | $64,632,670 | 4,515 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 1,244 |
| Cost of funding earning assets | 0.5242% | 3,846 |
| Net interest margin | 4.2998% | 973 |
| Noninterest income to average assets | 0.6808% | 2,694 |
| Noninterest expense to average assets | 3.2348% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0341% | 2,091 |
| Return on assets (ROA) | 1.0341% | 2,202 |
| Pretax return on assets | 1.3101% | 2,199 |
| Return on Equity (ROE) | 7.6067% | 3,158 |
| Retained earnings to average equity (ytd only) | -5.9283% | 6,414 |
| Net charge-offs to loans | 0.2407% | 2,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.1282% | 1,879 |
| Efficiency ratio | 71.1741% | 3,763 |
| Assets per employee ($millions) | 3.0485% | 5,897 |
| Cash dividends to net income (ytd only)* | 177.9359% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 3,242 |
| Loan loss allowance to noncurrent loans | 182.9565% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8638% | 4,227 |
| Noncurrent loans to loans | 0.8957% | 4,344 |
| Net loans and leases to total assets | 57.5383% | 3,839 |
| Net loans and leases to deposits | 68.3605% | 3,733 |
| Net loans and leases to core deposits | 69.9500% | 4,090 |
| Total domestic deposits to total assets | 84.1689% | 4,407 |
| Equity capital to assets | 13.3618% | 1,265 |
| Core capital (leverage) ratio | 13.3715% | 987 |
| Tier 1 risk-based capital ratio | 24.2574% | 986 |
| Total risk-based capital ratio | 25.5131% | 968 |
| Memoranda: | ||
| Average total assets | $108,691,500 | 4,643 |
| Average earning assets | $97,678,000 | 4,697 |
| Average equity | $14,776,500 | 4,040 |
| Average total loans | $64,816,000 | 4,531 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2849% | 950 |
| Cost of funding earning assets | 0.6422% | 3,988 |
| Net interest margin | 4.6427% | 725 |
| Noninterest income to average assets | 0.6433% | 3,030 |
| Noninterest expense to average assets | 3.1677% | 2,719 |
| Loan and lease loss provision to assets | 0.1812% | 3,365 |
| Net operating income to assets | 0.9487% | 2,555 |
| Return on assets (ROA) | 0.9487% | 2,806 |
| Pretax return on assets | 1.4081% | 2,017 |
| Return on Equity (ROE) | 7.2002% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.4810% | 2,392 |
| Net charge-offs to loans | 0.2286% | 3,564 |
| Credit loss provision to net charge-offs | 129.8701% | 2,154 |
| Earnings coverage of net charge-offs (x) | 11.3896% | 2,035 |
| Efficiency ratio | 66.5905% | 4,395 |
| Assets per employee ($millions) | 2.9091% | 6,145 |
| Cash dividends to net income (ytd only)* | 23.8777% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 3,053 |
| Loan loss allowance to noncurrent loans | 92.2232% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 3,349 |
| Noncurrent loans to loans | 1.8079% | 2,907 |
| Net loans and leases to total assets | 59.7778% | 3,642 |
| Net loans and leases to deposits | 71.4351% | 3,506 |
| Net loans and leases to core deposits | 73.1370% | 3,902 |
| Total domestic deposits to total assets | 83.6813% | 4,457 |
| Equity capital to assets | 13.8326% | 1,107 |
| Core capital (leverage) ratio | 13.8092% | 857 |
| Tier 1 risk-based capital ratio | 23.3101% | 1,065 |
| Total risk-based capital ratio | 24.5666% | 1,049 |
| Memoranda: | ||
| Average total assets | $110,364,400 | 4,582 |
| Average earning assets | $97,788,200 | 4,643 |
| Average equity | $14,541,200 | 4,055 |
| Average total loans | $67,370,400 | 4,442 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3033% | 1,008 |
| Cost of funding earning assets | 0.6600% | 4,100 |
| Net interest margin | 4.6432% | 753 |
| Noninterest income to average assets | 0.6015% | 3,259 |
| Noninterest expense to average assets | 3.1121% | 2,849 |
| Loan and lease loss provision to assets | 0.1801% | 3,337 |
| Net operating income to assets | 0.9882% | 2,569 |
| Return on assets (ROA) | 0.9882% | 2,794 |
| Pretax return on assets | 1.4396% | 2,116 |
| Return on Equity (ROE) | 7.5916% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.2855% | 3,167 |
| Net charge-offs to loans | 0.1336% | 4,050 |
| Credit loss provision to net charge-offs | 220.5882% | 1,258 |
| Earnings coverage of net charge-offs (x) | 19.8392% | 1,473 |
| Efficiency ratio | 65.7701% | 4,491 |
| Assets per employee ($millions) | 2.8583% | 6,281 |
| Cash dividends to net income (ytd only)* | 30.3770% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6975% | 3,162 |
| Loan loss allowance to noncurrent loans | 139.6530% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 4,267 |
| Noncurrent loans to loans | 1.2155% | 4,022 |
| Net loans and leases to total assets | 60.0871% | 3,766 |
| Net loans and leases to deposits | 71.5948% | 3,664 |
| Net loans and leases to core deposits | 73.7593% | 4,002 |
| Total domestic deposits to total assets | 83.9266% | 4,252 |
| Equity capital to assets | 13.5240% | 1,339 |
| Core capital (leverage) ratio | 13.2110% | 1,107 |
| Tier 1 risk-based capital ratio | 22.7473% | 1,207 |
| Total risk-based capital ratio | 24.0034% | 1,190 |
| Memoranda: | ||
| Average total assets | $111,046,250 | 4,613 |
| Average earning assets | $98,779,000 | 4,669 |
| Average equity | $14,454,250 | 4,114 |
| Average total loans | $67,854,500 | 4,473 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 1,035 |
| Cost of funding earning assets | 0.6773% | 4,203 |
| Net interest margin | 4.6327% | 777 |
| Noninterest income to average assets | 0.5865% | 3,345 |
| Noninterest expense to average assets | 3.0986% | 2,931 |
| Loan and lease loss provision to assets | 0.2682% | 2,440 |
| Net operating income to assets | 0.9423% | 2,698 |
| Return on assets (ROA) | 0.9423% | 2,959 |
| Pretax return on assets | 1.3535% | 2,380 |
| Return on Equity (ROE) | 7.3317% | 3,597 |
| Retained earnings to average equity (ytd only) | 7.3317% | 1,939 |
| Net charge-offs to loans | 0.2868% | 2,888 |
| Credit loss provision to net charge-offs | 153.0612% | 1,808 |
| Earnings coverage of net charge-offs (x) | 9.2551% | 2,190 |
| Efficiency ratio | 65.6439% | 4,594 |
| Assets per employee ($millions) | 2.8762% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 3,567 |
| Loan loss allowance to noncurrent loans | 205.0467% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 4,917 |
| Noncurrent loans to loans | 0.7857% | 4,934 |
| Net loans and leases to total assets | 59.7290% | 3,872 |
| Net loans and leases to deposits | 70.6901% | 3,796 |
| Net loans and leases to core deposits | 73.1403% | 4,148 |
| Total domestic deposits to total assets | 84.4941% | 4,104 |
| Equity capital to assets | 13.0668% | 1,483 |
| Core capital (leverage) ratio | 13.1582% | 1,105 |
| Tier 1 risk-based capital ratio | 22.0969% | 1,274 |
| Total risk-based capital ratio | 23.3527% | 1,255 |
| Memoranda: | ||
| Average total assets | $111,857,000 | 4,622 |
| Average earning assets | $99,812,670 | 4,671 |
| Average equity | $14,376,000 | 4,116 |
| Average total loans | $68,342,670 | 4,478 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 1,101 |
| Cost of funding earning assets | 0.7141% | 4,163 |
| Net interest margin | 4.5835% | 850 |
| Noninterest income to average assets | 0.4655% | 4,183 |
| Noninterest expense to average assets | 3.0116% | 3,198 |
| Loan and lease loss provision to assets | 0.5372% | 1,105 |
| Net operating income to assets | 0.6482% | 4,129 |
| Return on assets (ROA) | 0.6482% | 4,343 |
| Pretax return on assets | 1.0313% | 3,563 |
| Return on Equity (ROE) | 5.0859% | 4,744 |
| Retained earnings to average equity (ytd only) | 5.0859% | 3,503 |
| Net charge-offs to loans | 0.7595% | 1,347 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 3.3692% | 2,866 |
| Efficiency ratio | 65.7545% | 4,606 |
| Assets per employee ($millions) | 2.9374% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 3,757 |
| Loan loss allowance to noncurrent loans | 322.7273% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 5,203 |
| Noncurrent loans to loans | 0.4931% | 5,689 |
| Net loans and leases to total assets | 59.0022% | 3,857 |
| Net loans and leases to deposits | 69.6526% | 3,777 |
| Net loans and leases to core deposits | 72.0679% | 4,144 |
| Total domestic deposits to total assets | 84.7092% | 4,160 |
| Equity capital to assets | 12.8325% | 1,524 |
| Core capital (leverage) ratio | 12.7645% | 1,218 |
| Tier 1 risk-based capital ratio | 21.9062% | 1,302 |
| Total risk-based capital ratio | 23.1615% | 1,273 |
| Memoranda: | ||
| Average total assets | $111,700,500 | 4,663 |
| Average earning assets | $100,273,000 | 4,692 |
| Average equity | $14,235,500 | 4,151 |
| Average total loans | $68,466,500 | 4,502 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6856% | 803 |
| Cost of funding earning assets | 1.0248% | 3,199 |
| Net interest margin | 4.6608% | 813 |
| Noninterest income to average assets | 0.5930% | 3,205 |
| Noninterest expense to average assets | 3.1358% | 3,084 |
| Loan and lease loss provision to assets | 0.1762% | 4,427 |
| Net operating income to assets | 0.9278% | 2,493 |
| Return on assets (ROA) | 0.9278% | 2,612 |
| Pretax return on assets | 1.4203% | 1,719 |
| Return on Equity (ROE) | 7.5838% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.3429% | 3,087 |
| Net charge-offs to loans | 0.7143% | 2,372 |
| Credit loss provision to net charge-offs | 39.0625% | 5,644 |
| Earnings coverage of net charge-offs (x) | 3.5391% | 3,479 |
| Efficiency ratio | 66.2633% | 4,716 |
| Assets per employee ($millions) | 2.9415% | 6,209 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 4,058 |
| Loan loss allowance to noncurrent loans | 95.1730% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 4,253 |
| Noncurrent loans to loans | 1.5684% | 3,807 |
| Net loans and leases to total assets | 61.6964% | 3,660 |
| Net loans and leases to deposits | 72.6171% | 3,719 |
| Net loans and leases to core deposits | 75.0136% | 4,100 |
| Total domestic deposits to total assets | 84.9613% | 3,874 |
| Equity capital to assets | 12.6563% | 1,691 |
| Core capital (leverage) ratio | 12.4865% | 1,357 |
| Tier 1 risk-based capital ratio | 20.4568% | 1,534 |
| Total risk-based capital ratio | 21.7099% | 1,502 |
| Memoranda: | ||
| Average total assets | $113,496,800 | 4,557 |
| Average earning assets | $100,798,800 | 4,619 |
| Average equity | $13,884,800 | 4,131 |
| Average total loans | $71,675,600 | 4,423 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 703 |
| Cost of funding earning assets | 1.0889% | 3,052 |
| Net interest margin | 4.7100% | 747 |
| Noninterest income to average assets | 0.5559% | 3,470 |
| Noninterest expense to average assets | 3.1013% | 3,156 |
| Loan and lease loss provision to assets | 0.2341% | 3,675 |
| Net operating income to assets | 0.9140% | 2,687 |
| Return on assets (ROA) | 0.9140% | 2,818 |
| Pretax return on assets | 1.3868% | 1,975 |
| Return on Equity (ROE) | 7.5352% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.0880% | 2,507 |
| Net charge-offs to loans | 0.6362% | 2,338 |
| Credit loss provision to net charge-offs | 58.1395% | 4,847 |
| Earnings coverage of net charge-offs (x) | 4.0261% | 3,208 |
| Efficiency ratio | 65.6753% | 4,781 |
| Assets per employee ($millions) | 2.8993% | 6,310 |
| Cash dividends to net income (ytd only)* | 19.2066% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 3,136 |
| Loan loss allowance to noncurrent loans | 63.6411% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.1800% | 2,922 |
| Noncurrent loans to loans | 2.7337% | 2,562 |
| Net loans and leases to total assets | 60.5902% | 4,029 |
| Net loans and leases to deposits | 71.3430% | 4,088 |
| Net loans and leases to core deposits | 73.8135% | 4,473 |
| Total domestic deposits to total assets | 84.9281% | 3,801 |
| Equity capital to assets | 12.5664% | 1,873 |
| Core capital (leverage) ratio | 12.6701% | 1,362 |
| Tier 1 risk-based capital ratio | 20.1899% | 1,643 |
| Total risk-based capital ratio | 21.4358% | 1,610 |
| Memoranda: | ||
| Average total assets | $113,926,500 | 4,580 |
| Average earning assets | $100,775,750 | 4,649 |
| Average equity | $13,819,250 | 4,161 |
| Average total loans | $72,092,500 | 4,453 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7757% | 750 |
| Cost of funding earning assets | 1.1245% | 3,074 |
| Net interest margin | 4.6512% | 813 |
| Noninterest income to average assets | 0.5183% | 3,721 |
| Noninterest expense to average assets | 3.1538% | 3,069 |
| Loan and lease loss provision to assets | 0.3502% | 2,683 |
| Net operating income to assets | 0.6567% | 3,763 |
| Return on assets (ROA) | 0.6567% | 3,888 |
| Pretax return on assets | 1.1645% | 2,623 |
| Return on Equity (ROE) | 5.4787% | 4,222 |
| Retained earnings to average equity (ytd only) | 3.2872% | 4,171 |
| Net charge-offs to loans | 0.7821% | 1,937 |
| Credit loss provision to net charge-offs | 70.1754% | 4,052 |
| Earnings coverage of net charge-offs (x) | 3.0351% | 3,337 |
| Efficiency ratio | 67.5544% | 4,597 |
| Assets per employee ($millions) | 2.9236% | 6,249 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 3,012 |
| Loan loss allowance to noncurrent loans | 93.9439% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 1.8067% | 3,499 |
| Noncurrent loans to loans | 1.9106% | 3,593 |
| Net loans and leases to total assets | 61.0381% | 4,079 |
| Net loans and leases to deposits | 71.5608% | 4,192 |
| Net loans and leases to core deposits | 74.2157% | 4,553 |
| Total domestic deposits to total assets | 85.2954% | 3,727 |
| Equity capital to assets | 12.1155% | 2,018 |
| Core capital (leverage) ratio | 12.0245% | 1,580 |
| Tier 1 risk-based capital ratio | 19.2212% | 1,782 |
| Total risk-based capital ratio | 20.4778% | 1,747 |
| Memoranda: | ||
| Average total assets | $114,211,670 | 4,603 |
| Average earning assets | $101,909,000 | 4,654 |
| Average equity | $13,689,330 | 4,182 |
| Average total loans | $72,882,330 | 4,468 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7397% | 816 |
| Cost of funding earning assets | 1.1565% | 3,111 |
| Net interest margin | 4.5832% | 890 |
| Noninterest income to average assets | 0.6229% | 3,021 |
| Noninterest expense to average assets | 2.9604% | 3,814 |
| Loan and lease loss provision to assets | 0.3499% | 2,461 |
| Net operating income to assets | 0.7908% | 3,077 |
| Return on assets (ROA) | 0.7908% | 3,148 |
| Pretax return on assets | 1.4312% | 1,643 |
| Return on Equity (ROE) | 6.6339% | 3,566 |
| Retained earnings to average equity (ytd only) | 2.2309% | 4,806 |
| Net charge-offs to loans | 0.6225% | 1,953 |
| Credit loss provision to net charge-offs | 86.9565% | 2,995 |
| Earnings coverage of net charge-offs (x) | 4.4261% | 2,481 |
| Efficiency ratio | 62.4354% | 5,607 |
| Assets per employee ($millions) | 2.9629% | 6,211 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8420% | 2,878 |
| Loan loss allowance to noncurrent loans | 110.8175% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.7983% | 3,575 |
| Noncurrent loans to loans | 1.6622% | 3,988 |
| Net loans and leases to total assets | 61.8882% | 3,882 |
| Net loans and leases to deposits | 72.3237% | 4,017 |
| Net loans and leases to core deposits | 74.9534% | 4,435 |
| Total domestic deposits to total assets | 85.5710% | 3,745 |
| Equity capital to assets | 11.8163% | 2,032 |
| Core capital (leverage) ratio | 11.8941% | 1,620 |
| Tier 1 risk-based capital ratio | 18.6133% | 1,921 |
| Total risk-based capital ratio | 19.8713% | 1,871 |
| Memoranda: | ||
| Average total assets | $114,308,000 | 4,638 |
| Average earning assets | $102,724,000 | 4,665 |
| Average equity | $13,627,000 | 4,184 |
| Average total loans | $73,890,000 | 4,471 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1254% | 666 |
| Cost of funding earning assets | 1.4739% | 2,797 |
| Net interest margin | 4.6515% | 905 |
| Noninterest income to average assets | 0.7114% | 2,777 |
| Noninterest expense to average assets | 2.9991% | 3,853 |
| Loan and lease loss provision to assets | 0.4135% | 3,625 |
| Net operating income to assets | 1.0320% | 1,929 |
| Return on assets (ROA) | 1.0202% | 2,079 |
| Pretax return on assets | 1.4472% | 1,519 |
| Return on Equity (ROE) | 9.1812% | 2,227 |
| Retained earnings to average equity (ytd only) | 6.9030% | 1,363 |
| Net charge-offs to loans | 0.6823% | 2,964 |
| Credit loss provision to net charge-offs | 90.5730% | 5,108 |
| Earnings coverage of net charge-offs (x) | 4.1128% | 3,058 |
| Efficiency ratio | 61.4985% | 5,810 |
| Assets per employee ($millions) | 2.9754% | 6,156 |
| Cash dividends to net income (ytd only)* | 24.8139% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 2,830 |
| Loan loss allowance to noncurrent loans | 91.3190% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 2.2156% | 3,075 |
| Noncurrent loans to loans | 1.9833% | 3,592 |
| Net loans and leases to total assets | 65.0676% | 3,652 |
| Net loans and leases to deposits | 76.3962% | 3,781 |
| Net loans and leases to core deposits | 79.4806% | 4,281 |
| Total domestic deposits to total assets | 85.1712% | 3,768 |
| Equity capital to assets | 12.0286% | 1,898 |
| Core capital (leverage) ratio | 11.7397% | 1,706 |
| Tier 1 risk-based capital ratio | 18.2310% | 1,929 |
| Total risk-based capital ratio | 19.4878% | 1,887 |
| Memoranda: | ||
| Average total assets | $118,503,200 | 4,509 |
| Average earning assets | $106,116,200 | 4,561 |
| Average equity | $13,168,200 | 4,333 |
| Average total loans | $79,287,600 | 4,359 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1899% | 626 |
| Cost of funding earning assets | 1.5344% | 2,750 |
| Net interest margin | 4.6555% | 932 |
| Noninterest income to average assets | 0.7275% | 2,657 |
| Noninterest expense to average assets | 2.9466% | 3,931 |
| Loan and lease loss provision to assets | 0.5451% | 2,771 |
| Net operating income to assets | 0.7884% | 3,051 |
| Return on assets (ROA) | 0.7742% | 3,269 |
| Pretax return on assets | 1.3715% | 1,961 |
| Return on Equity (ROE) | 7.1054% | 3,298 |
| Retained earnings to average equity (ytd only) | 4.0427% | 3,635 |
| Net charge-offs to loans | 0.8194% | 2,403 |
| Credit loss provision to net charge-offs | 99.1903% | 4,398 |
| Earnings coverage of net charge-offs (x) | 3.5283% | 3,408 |
| Efficiency ratio | 60.3142% | 5,904 |
| Assets per employee ($millions) | 2.9757% | 6,205 |
| Cash dividends to net income (ytd only)* | 43.1033% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 2,732 |
| Loan loss allowance to noncurrent loans | 71.4868% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.4497% | 2,917 |
| Noncurrent loans to loans | 2.5419% | 3,081 |
| Net loans and leases to total assets | 65.3675% | 3,827 |
| Net loans and leases to deposits | 76.2407% | 4,139 |
| Net loans and leases to core deposits | 77.5215% | 4,861 |
| Total domestic deposits to total assets | 85.7384% | 3,225 |
| Equity capital to assets | 11.3569% | 2,653 |
| Core capital (leverage) ratio | 10.9859% | 2,273 |
| Tier 1 risk-based capital ratio | 16.5637% | 2,531 |
| Total risk-based capital ratio | 17.8203% | 2,484 |
| Memoranda: | ||
| Average total assets | $119,863,000 | 4,545 |
| Average earning assets | $107,054,000 | 4,595 |
| Average equity | $13,060,250 | 4,421 |
| Average total loans | $80,378,250 | 4,404 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1766% | 653 |
| Cost of funding earning assets | 1.5802% | 2,768 |
| Net interest margin | 4.5963% | 1,009 |
| Noninterest income to average assets | 0.7149% | 2,620 |
| Noninterest expense to average assets | 2.9686% | 3,826 |
| Loan and lease loss provision to assets | 0.4788% | 2,910 |
| Net operating income to assets | 0.7526% | 3,186 |
| Return on assets (ROA) | 0.7314% | 3,420 |
| Pretax return on assets | 1.3357% | 1,991 |
| Return on Equity (ROE) | 6.8047% | 3,393 |
| Retained earnings to average equity (ytd only) | 4.5007% | 3,201 |
| Net charge-offs to loans | 0.1572% | 4,686 |
| Credit loss provision to net charge-offs | 453.1250% | 805 |
| Earnings coverage of net charge-offs (x) | 17.4844% | 1,339 |
| Efficiency ratio | 61.6387% | 5,750 |
| Assets per employee ($millions) | 2.9663% | 6,208 |
| Cash dividends to net income (ytd only)* | 33.8600% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0441% | 2,082 |
| Loan loss allowance to noncurrent loans | 56.7558% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 3.0990% | 2,287 |
| Noncurrent loans to loans | 3.6015% | 2,190 |
| Net loans and leases to total assets | 65.9941% | 3,832 |
| Net loans and leases to deposits | 76.8131% | 4,185 |
| Net loans and leases to core deposits | 79.7296% | 4,722 |
| Total domestic deposits to total assets | 85.9152% | 3,138 |
| Equity capital to assets | 11.0381% | 2,823 |
| Core capital (leverage) ratio | 10.5932% | 2,548 |
| Tier 1 risk-based capital ratio | 15.8550% | 2,736 |
| Total risk-based capital ratio | 17.1147% | 2,697 |
| Memoranda: | ||
| Average total assets | $121,133,000 | 4,543 |
| Average earning assets | $108,086,000 | 4,605 |
| Average equity | $13,020,330 | 4,438 |
| Average total loans | $81,416,000 | 4,403 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1452% | 715 |
| Cost of funding earning assets | 1.6669% | 2,555 |
| Net interest margin | 4.4783% | 1,192 |
| Noninterest income to average assets | 0.7453% | 2,323 |
| Noninterest expense to average assets | 2.8601% | 4,226 |
| Loan and lease loss provision to assets | 0.6537% | 1,940 |
| Net operating income to assets | 0.8008% | 2,956 |
| Return on assets (ROA) | 0.8008% | 3,061 |
| Pretax return on assets | 1.1833% | 2,424 |
| Return on Equity (ROE) | 7.5489% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.5489% | 1,903 |
| Net charge-offs to loans | 0.2191% | 3,616 |
| Credit loss provision to net charge-offs | 444.4444% | 944 |
| Earnings coverage of net charge-offs (x) | 12.4889% | 1,563 |
| Efficiency ratio | 60.8907% | 6,019 |
| Assets per employee ($millions) | 3.0665% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9308% | 2,362 |
| Loan loss allowance to noncurrent loans | 86.2107% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 2.1759% | 3,304 |
| Noncurrent loans to loans | 2.2397% | 3,472 |
| Net loans and leases to total assets | 64.7198% | 4,160 |
| Net loans and leases to deposits | 74.9052% | 4,606 |
| Net loans and leases to core deposits | 77.6239% | 5,071 |
| Total domestic deposits to total assets | 86.4024% | 2,939 |
| Equity capital to assets | 10.6725% | 3,066 |
| Core capital (leverage) ratio | 10.5668% | 2,560 |
| Tier 1 risk-based capital ratio | 15.4986% | 2,870 |
| Total risk-based capital ratio | 16.7565% | 2,814 |
| Memoranda: | ||
| Average total assets | $122,373,000 | 4,573 |
| Average earning assets | $107,987,500 | 4,656 |
| Average equity | $12,982,000 | 4,479 |
| Average total loans | $82,155,000 | 4,436 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5331% | 621 |
| Cost of funding earning assets | 2.1120% | 2,406 |
| Net interest margin | 4.4211% | 1,378 |
| Noninterest income to average assets | 0.6188% | 3,497 |
| Noninterest expense to average assets | 3.1187% | 3,658 |
| Loan and lease loss provision to assets | 0.6400% | 3,240 |
| Net operating income to assets | 0.6881% | 2,984 |
| Return on assets (ROA) | 0.5629% | 3,553 |
| Pretax return on assets | 0.7460% | 3,424 |
| Return on Equity (ROE) | 5.1311% | 3,613 |
| Retained earnings to average equity (ytd only) | 1.2673% | 4,154 |
| Net charge-offs to loans | 0.7862% | 2,862 |
| Credit loss provision to net charge-offs | 115.9754% | 4,685 |
| Earnings coverage of net charge-offs (x) | 2.8141% | 3,685 |
| Efficiency ratio | 66.7574% | 5,237 |
| Assets per employee ($millions) | 2.9777% | 6,276 |
| Cash dividends to net income (ytd only)* | 75.3012% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 2,932 |
| Loan loss allowance to noncurrent loans | 61.8629% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.6817% | 2,617 |
| Noncurrent loans to loans | 2.7303% | 2,830 |
| Net loans and leases to total assets | 67.1278% | 3,893 |
| Net loans and leases to deposits | 77.7550% | 4,430 |
| Net loans and leases to core deposits | 101.5816% | 3,838 |
| Total domestic deposits to total assets | 86.3325% | 2,851 |
| Equity capital to assets | 10.5443% | 3,138 |
| Core capital (leverage) ratio | 10.5038% | 2,604 |
| Tier 1 risk-based capital ratio | 14.2782% | 3,334 |
| Total risk-based capital ratio | 15.5329% | 3,277 |
| Memoranda: | ||
| Average total assets | $117,966,400 | 4,632 |
| Average earning assets | $108,141,600 | 4,624 |
| Average equity | $12,940,800 | 4,523 |
| Average total loans | $82,806,400 | 4,420 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6264% | 589 |
| Cost of funding earning assets | 2.2026% | 2,404 |
| Net interest margin | 4.4238% | 1,381 |
| Noninterest income to average assets | 0.6419% | 3,407 |
| Noninterest expense to average assets | 3.1287% | 3,541 |
| Loan and lease loss provision to assets | 0.5131% | 3,335 |
| Net operating income to assets | 0.8377% | 2,667 |
| Return on assets (ROA) | 0.6647% | 3,401 |
| Pretax return on assets | 0.8608% | 3,354 |
| Return on Equity (ROE) | 5.9988% | 3,530 |
| Retained earnings to average equity (ytd only) | 5.9988% | 1,949 |
| Net charge-offs to loans | 0.7000% | 2,600 |
| Credit loss provision to net charge-offs | 103.6866% | 4,908 |
| Earnings coverage of net charge-offs (x) | 3.2304% | 3,624 |
| Efficiency ratio | 66.1843% | 5,330 |
| Assets per employee ($millions) | 2.8842% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 2,940 |
| Loan loss allowance to noncurrent loans | 153.8462% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 1.7445% | 3,743 |
| Noncurrent loans to loans | 1.0492% | 5,220 |
| Net loans and leases to total assets | 68.0383% | 3,951 |
| Net loans and leases to deposits | 79.7443% | 4,430 |
| Net loans and leases to core deposits | 107.3360% | 3,555 |
| Total domestic deposits to total assets | 85.3206% | 3,064 |
| Equity capital to assets | 11.2791% | 2,766 |
| Core capital (leverage) ratio | 10.9839% | 2,416 |
| Tier 1 risk-based capital ratio | 15.5373% | 2,804 |
| Total risk-based capital ratio | 16.7910% | 2,739 |
| Memoranda: | ||
| Average total assets | $116,936,750 | 4,675 |
| Average earning assets | $107,989,500 | 4,651 |
| Average equity | $12,957,750 | 4,549 |
| Average total loans | $82,667,750 | 4,465 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6262% | 629 |
| Cost of funding earning assets | 2.2720% | 2,483 |
| Net interest margin | 4.3542% | 1,511 |
| Noninterest income to average assets | 0.6524% | 3,328 |
| Noninterest expense to average assets | 3.2155% | 3,292 |
| Loan and lease loss provision to assets | 0.5150% | 2,962 |
| Net operating income to assets | 0.7004% | 3,252 |
| Return on assets (ROA) | 0.7004% | 3,362 |
| Pretax return on assets | 0.9786% | 3,088 |
| Return on Equity (ROE) | 6.3596% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.3596% | 1,860 |
| Net charge-offs to loans | 0.4701% | 2,950 |
| Credit loss provision to net charge-offs | 153.8462% | 2,983 |
| Earnings coverage of net charge-offs (x) | 4.4615% | 3,091 |
| Efficiency ratio | 68.2829% | 5,107 |
| Assets per employee ($millions) | 2.9035% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 2,308 |
| Loan loss allowance to noncurrent loans | 199.8582% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 3,788 |
| Noncurrent loans to loans | 0.8552% | 5,508 |
| Net loans and leases to total assets | 68.0622% | 4,140 |
| Net loans and leases to deposits | 79.7370% | 4,583 |
| Net loans and leases to core deposits | 106.6639% | 3,758 |
| Total domestic deposits to total assets | 85.3584% | 3,085 |
| Equity capital to assets | 10.9842% | 2,936 |
| Core capital (leverage) ratio | 10.8913% | 2,489 |
| Tier 1 risk-based capital ratio | 14.6661% | 3,162 |
| Total risk-based capital ratio | 15.9210% | 3,101 |
| Memoranda: | ||
| Average total assets | $116,497,670 | 4,718 |
| Average earning assets | $108,538,330 | 4,669 |
| Average equity | $12,831,000 | 4,587 |
| Average total loans | $82,964,330 | 4,501 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6900% | 591 |
| Cost of funding earning assets | 2.3524% | 2,497 |
| Net interest margin | 4.3375% | 1,492 |
| Noninterest income to average assets | 0.5450% | 3,971 |
| Noninterest expense to average assets | 3.0132% | 3,705 |
| Loan and lease loss provision to assets | 0.6943% | 1,820 |
| Net operating income to assets | 0.5485% | 4,222 |
| Return on assets (ROA) | 0.5485% | 4,403 |
| Pretax return on assets | 0.8956% | 3,735 |
| Return on Equity (ROE) | 4.9730% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.9730% | 3,144 |
| Net charge-offs to loans | 0.5142% | 2,177 |
| Credit loss provision to net charge-offs | 186.9159% | 2,342 |
| Earnings coverage of net charge-offs (x) | 4.2804% | 2,921 |
| Efficiency ratio | 65.4600% | 5,427 |
| Assets per employee ($millions) | 2.8588% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 2,252 |
| Loan loss allowance to noncurrent loans | 96.3448% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.8685% | 3,112 |
| Noncurrent loans to loans | 1.7310% | 3,667 |
| Net loans and leases to total assets | 70.2779% | 3,610 |
| Net loans and leases to deposits | 82.2782% | 4,241 |
| Net loans and leases to core deposits | 108.2788% | 3,641 |
| Total domestic deposits to total assets | 85.4149% | 3,008 |
| Equity capital to assets | 10.9147% | 3,049 |
| Core capital (leverage) ratio | 10.9122% | 2,571 |
| Tier 1 risk-based capital ratio | 14.7572% | 3,179 |
| Total risk-based capital ratio | 16.0121% | 3,110 |
| Memoranda: | ||
| Average total assets | $115,224,500 | 4,766 |
| Average earning assets | $107,803,000 | 4,693 |
| Average equity | $12,708,500 | 4,653 |
| Average total loans | $83,230,000 | 4,521 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4562% | 448 |
| Cost of funding earning assets | 2.8260% | 2,600 |
| Net interest margin | 4.6302% | 1,097 |
| Noninterest income to average assets | 0.7873% | 2,588 |
| Noninterest expense to average assets | 2.9078% | 4,423 |
| Loan and lease loss provision to assets | 0.6532% | 2,227 |
| Net operating income to assets | 1.1082% | 2,114 |
| Return on assets (ROA) | 0.9962% | 2,454 |
| Pretax return on assets | 1.3830% | 2,017 |
| Return on Equity (ROE) | 9.4280% | 2,466 |
| Retained earnings to average equity (ytd only) | 4.5472% | 2,290 |
| Net charge-offs to loans | 0.9659% | 1,276 |
| Credit loss provision to net charge-offs | 95.3576% | 5,536 |
| Earnings coverage of net charge-offs (x) | 3.1995% | 4,486 |
| Efficiency ratio | 57.0201% | 6,868 |
| Assets per employee ($millions) | 2.6962% | 6,794 |
| Cash dividends to net income (ytd only)* | 51.7688% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 2,336 |
| Loan loss allowance to noncurrent loans | 186.5522% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2981% | 3,625 |
| Noncurrent loans to loans | 0.8453% | 4,935 |
| Net loans and leases to total assets | 71.8712% | 3,618 |
| Net loans and leases to deposits | 84.7411% | 4,305 |
| Net loans and leases to core deposits | 114.0401% | 3,337 |
| Total domestic deposits to total assets | 84.8128% | 2,929 |
| Equity capital to assets | 11.1480% | 2,925 |
| Core capital (leverage) ratio | 10.7562% | 2,774 |
| Tier 1 risk-based capital ratio | 14.8611% | 3,120 |
| Total risk-based capital ratio | 16.1145% | 3,032 |
| Memoranda: | ||
| Average total assets | $116,343,400 | 4,600 |
| Average earning assets | $108,352,800 | 4,551 |
| Average equity | $12,293,200 | 4,758 |
| Average total loans | $82,511,000 | 4,437 |