Home > Community Point Bank > Performance and Condition Ratios
Community Point 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 | 5.3570% | 1,382 |
| Cost of funding earning assets | 2.1965% | 642 |
| Net interest margin | 3.1605% | 2,963 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.9158% | 3,807 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1245% | 1,840 |
| Return on assets (ROA) | 1.1245% | 1,820 |
| Pretax return on assets | 1.1245% | 2,332 |
| Return on Equity (ROE) | 15.0000% | 1,288 |
| Retained earnings to average equity (ytd only) | 6.8294% | 1,944 |
| Net charge-offs to loans | 0.0170% | 2,032 |
| Credit loss provision to net charge-offs | 695.4545% | 533 |
| Earnings coverage of net charge-offs (x) | 92.2273% | 938 |
| Efficiency ratio | 61.1675% | 2,951 |
| Assets per employee ($millions) | 6.4121% | 2,472 |
| Cash dividends to net income (ytd only)* | 54.4776% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,301 |
| Loan loss allowance to noncurrent loans | 188.3959% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 1,103 |
| Noncurrent loans to loans | 0.6365% | 1,241 |
| Net loans and leases to total assets | 78.8100% | 785 |
| Net loans and leases to deposits | 85.5791% | 1,641 |
| Net loans and leases to core deposits | 91.7113% | 1,925 |
| Total domestic deposits to total assets | 92.0900% | 294 |
| Equity capital to assets | 7.5014% | 3,717 |
| Core capital (leverage) ratio | 8.9510% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3055% | 2,490 |
| Memoranda: | ||
| Average total assets | $166,823,200 | 3,213 |
| Average earning assets | $155,290,800 | 3,208 |
| Average equity | $12,504,800 | 3,486 |
| Average total loans | $129,353,400 | 2,860 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 1,471 |
| Cost of funding earning assets | 2.1123% | 579 |
| Net interest margin | 3.0774% | 3,182 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.9050% | 3,794 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0949% | 2,073 |
| Return on assets (ROA) | 1.0949% | 2,057 |
| Pretax return on assets | 1.0949% | 2,580 |
| Return on Equity (ROE) | 14.6100% | 1,523 |
| Retained earnings to average equity (ytd only) | 13.8775% | 687 |
| Net charge-offs to loans | 0.0010% | 2,589 |
| Credit loss provision to net charge-offs | 8,300.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,440.0000% | 109 |
| Efficiency ratio | 62.1152% | 2,698 |
| Assets per employee ($millions) | 6.7732% | 2,123 |
| Cash dividends to net income (ytd only)* | 5.0111% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,352 |
| Loan loss allowance to noncurrent loans | 172.4249% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 1,061 |
| Noncurrent loans to loans | 0.6967% | 1,183 |
| Net loans and leases to total assets | 78.0500% | 877 |
| Net loans and leases to deposits | 84.6298% | 1,686 |
| Net loans and leases to core deposits | 87.1431% | 2,115 |
| Total domestic deposits to total assets | 92.2300% | 414 |
| Equity capital to assets | 7.5037% | 3,349 |
| Core capital (leverage) ratio | 9.2960% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2130% | 2,195 |
| Memoranda: | ||
| Average total assets | $165,247,000 | 3,236 |
| Average earning assets | $153,762,250 | 3,227 |
| Average equity | $12,384,250 | 3,490 |
| Average total loans | $127,168,500 | 2,882 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 1,748 |
| Cost of funding earning assets | 2.0256% | 472 |
| Net interest margin | 2.8815% | 3,677 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.8928% | 3,836 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9360% | 2,630 |
| Return on assets (ROA) | 0.9360% | 2,615 |
| Pretax return on assets | 0.9360% | 3,084 |
| Return on Equity (ROE) | 12.4900% | 2,012 |
| Retained earnings to average equity (ytd only) | 11.4034% | 1,103 |
| Net charge-offs to loans | 0.0016% | 2,335 |
| Credit loss provision to net charge-offs | 3,800.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 805.0000% | 185 |
| Efficiency ratio | 65.8319% | 2,263 |
| Assets per employee ($millions) | 6.9478% | 1,966 |
| Cash dividends to net income (ytd only)* | 8.7353% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,288 |
| Loan loss allowance to noncurrent loans | 187.9663% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 1,090 |
| Noncurrent loans to loans | 0.6545% | 1,142 |
| Net loans and leases to total assets | 75.2100% | 1,135 |
| Net loans and leases to deposits | 83.6925% | 1,699 |
| Net loans and leases to core deposits | 86.0681% | 2,065 |
| Total domestic deposits to total assets | 89.8600% | 964 |
| Equity capital to assets | 7.5137% | 3,509 |
| Core capital (leverage) ratio | 9.1085% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0709% | 2,271 |
| Memoranda: | ||
| Average total assets | $163,886,333 | 3,256 |
| Average earning assets | $152,352,333 | 3,250 |
| Average equity | $12,277,000 | 3,511 |
| Average total loans | $124,968,000 | 2,900 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 1,851 |
| Cost of funding earning assets | 1.9181% | 351 |
| Net interest margin | 2.7817% | 3,970 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.8861% | 3,882 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8322% | 3,084 |
| Return on assets (ROA) | 0.8322% | 3,041 |
| Pretax return on assets | 0.8322% | 3,387 |
| Return on Equity (ROE) | 11.1300% | 2,459 |
| Retained earnings to average equity (ytd only) | 11.1267% | 1,443 |
| Net charge-offs to loans | -0.0065% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.1495% | 1,951 |
| Assets per employee ($millions) | 6.5912% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,346 |
| Loan loss allowance to noncurrent loans | 180.3030% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 994 |
| Noncurrent loans to loans | 0.6865% | 1,103 |
| Net loans and leases to total assets | 74.9100% | 1,087 |
| Net loans and leases to deposits | 85.9040% | 1,355 |
| Net loans and leases to core deposits | 88.0274% | 1,739 |
| Total domestic deposits to total assets | 87.2000% | 2,187 |
| Equity capital to assets | 7.4827% | 3,574 |
| Core capital (leverage) ratio | 8.9829% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3450% | 2,245 |
| Memoranda: | ||
| Average total assets | $162,455,500 | 3,316 |
| Average earning assets | $150,985,000 | 3,311 |
| Average equity | $12,151,000 | 3,557 |
| Average total loans | $123,966,500 | 2,942 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 1,360 |
| Cost of funding earning assets | 0.9183% | 236 |
| Net interest margin | 3.2271% | 2,781 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.8861% | 3,860 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2606% | 1,564 |
| Return on assets (ROA) | 1.2562% | 1,529 |
| Pretax return on assets | 1.2562% | 2,258 |
| Return on Equity (ROE) | 15.6000% | 1,122 |
| Retained earnings to average equity (ytd only) | 5.2612% | 2,947 |
| Net charge-offs to loans | 0.0061% | 2,196 |
| Credit loss provision to net charge-offs | 1,485.7143% | 331 |
| Earnings coverage of net charge-offs (x) | 300.4286% | 487 |
| Efficiency ratio | 58.7161% | 3,231 |
| Assets per employee ($millions) | 6.4052% | 2,412 |
| Cash dividends to net income (ytd only)* | 66.2651% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 1,967 |
| Loan loss allowance to noncurrent loans | 577.3723% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,350 |
| Noncurrent loans to loans | 0.2228% | 2,376 |
| Net loans and leases to total assets | 75.8000% | 1,028 |
| Net loans and leases to deposits | 89.2651% | 1,104 |
| Net loans and leases to core deposits | 91.7532% | 1,407 |
| Total domestic deposits to total assets | 84.9100% | 3,016 |
| Equity capital to assets | 7.4764% | 3,399 |
| Core capital (leverage) ratio | 9.1693% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8730% | 2,426 |
| Memoranda: | ||
| Average total assets | $158,577,000 | 3,361 |
| Average earning assets | $147,874,200 | 3,345 |
| Average equity | $12,772,800 | 3,593 |
| Average total loans | $115,557,800 | 2,969 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0660% | 1,128 |
| Cost of funding earning assets | 0.7805% | 166 |
| Net interest margin | 3.2855% | 2,338 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.8636% | 3,834 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.3393% | 1,241 |
| Return on assets (ROA) | 1.3334% | 1,235 |
| Pretax return on assets | 1.3334% | 1,938 |
| Return on Equity (ROE) | 16.2600% | 928 |
| Retained earnings to average equity (ytd only) | 12.8263% | 641 |
| Net charge-offs to loans | 0.0012% | 2,277 |
| Credit loss provision to net charge-offs | 8,400.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,673.0000% | 78 |
| Efficiency ratio | 56.9258% | 3,524 |
| Assets per employee ($millions) | 6.1590% | 2,615 |
| Cash dividends to net income (ytd only)* | 21.1125% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 1,808 |
| Loan loss allowance to noncurrent loans | 632.2581% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,491 |
| Noncurrent loans to loans | 0.2134% | 2,545 |
| Net loans and leases to total assets | 74.4700% | 1,060 |
| Net loans and leases to deposits | 82.3084% | 1,421 |
| Net loans and leases to core deposits | 83.7370% | 1,673 |
| Total domestic deposits to total assets | 90.4800% | 1,442 |
| Equity capital to assets | 7.9897% | 2,902 |
| Core capital (leverage) ratio | 9.4700% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1986% | 2,392 |
| Memoranda: | ||
| Average total assets | $158,188,500 | 3,383 |
| Average earning assets | $147,595,500 | 3,373 |
| Average equity | $12,973,000 | 3,617 |
| Average total loans | $113,708,750 | 3,001 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 1,080 |
| Cost of funding earning assets | 0.7661% | 117 |
| Net interest margin | 3.1541% | 2,348 |
| Noninterest income to average assets | 0.2068% | 3,958 |
| Noninterest expense to average assets | 1.8021% | 3,947 |
| Loan and lease loss provision to assets | 0.0752% | 1,283 |
| Net operating income to assets | 1.2757% | 1,203 |
| Return on assets (ROA) | 1.2670% | 1,213 |
| Pretax return on assets | 1.2670% | 1,848 |
| Return on Equity (ROE) | 15.3221% | 831 |
| Retained earnings to average equity (ytd only) | 14.6249% | 297 |
| Net charge-offs to loans | 0.0018% | 2,048 |
| Credit loss provision to net charge-offs | 6,000.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 1,078.0000% | 119 |
| Efficiency ratio | 57.1542% | 3,664 |
| Assets per employee ($millions) | 6.7948% | 2,077 |
| Cash dividends to net income (ytd only)* | 4.5500% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 1,811 |
| Loan loss allowance to noncurrent loans | 632.7869% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 2,672 |
| Noncurrent loans to loans | 0.2188% | 2,628 |
| Net loans and leases to total assets | 67.4232% | 1,533 |
| Net loans and leases to deposits | 73.0800% | 1,950 |
| Net loans and leases to core deposits | 74.2676% | 2,150 |
| Total domestic deposits to total assets | 92.2594% | 742 |
| Equity capital to assets | 7.5578% | 3,429 |
| Core capital (leverage) ratio | 9.0406% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0064% | 2,056 |
| Memoranda: | ||
| Average total assets | $159,593,333 | 3,413 |
| Average earning assets | $149,075,333 | 3,404 |
| Average equity | $13,196,667 | 3,667 |
| Average total loans | $112,865,000 | 3,032 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 861 |
| Cost of funding earning assets | 0.7563% | 110 |
| Net interest margin | 3.1853% | 1,928 |
| Noninterest income to average assets | 0.2129% | 3,885 |
| Noninterest expense to average assets | 1.8093% | 3,921 |
| Loan and lease loss provision to assets | 0.0760% | 1,083 |
| Net operating income to assets | 1.3050% | 994 |
| Return on assets (ROA) | 1.2873% | 1,018 |
| Pretax return on assets | 1.2873% | 1,547 |
| Return on Equity (ROE) | 14.9056% | 668 |
| Retained earnings to average equity (ytd only) | 14.9056% | 295 |
| Net charge-offs to loans | 0.0035% | 1,647 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 187 |
| Efficiency ratio | 56.7117% | 3,818 |
| Assets per employee ($millions) | 6.6653% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,233 |
| Loan loss allowance to noncurrent loans | 4,322.8571% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 3,824 |
| Noncurrent loans to loans | 0.0307% | 3,771 |
| Net loans and leases to total assets | 70.3628% | 983 |
| Net loans and leases to deposits | 76.8482% | 1,378 |
| Net loans and leases to core deposits | 78.2881% | 1,591 |
| Total domestic deposits to total assets | 91.5608% | 771 |
| Equity capital to assets | 8.2992% | 3,321 |
| Core capital (leverage) ratio | 9.1560% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0830% | 2,172 |
| Memoranda: | ||
| Average total assets | $157,852,000 | 3,440 |
| Average earning assets | $147,554,000 | 3,432 |
| Average equity | $13,632,500 | 3,692 |
| Average total loans | $113,550,000 | 3,019 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 704 |
| Cost of funding earning assets | 0.8483% | 152 |
| Net interest margin | 3.5620% | 1,569 |
| Noninterest income to average assets | 0.2515% | 3,861 |
| Noninterest expense to average assets | 1.8593% | 4,032 |
| Loan and lease loss provision to assets | 0.1726% | 669 |
| Net operating income to assets | 1.5460% | 924 |
| Return on assets (ROA) | 1.5427% | 968 |
| Pretax return on assets | 1.5427% | 1,594 |
| Return on Equity (ROE) | 16.3703% | 696 |
| Retained earnings to average equity (ytd only) | 2.8966% | 3,679 |
| Net charge-offs to loans | 0.0194% | 1,891 |
| Credit loss provision to net charge-offs | 1,261.9048% | 444 |
| Earnings coverage of net charge-offs (x) | 125.6190% | 754 |
| Efficiency ratio | 51.9665% | 4,118 |
| Assets per employee ($millions) | 6.2294% | 2,547 |
| Cash dividends to net income (ytd only)* | 82.3057% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 2,301 |
| Loan loss allowance to noncurrent loans | 29,700.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,147 |
| Noncurrent loans to loans | 0.0044% | 4,090 |
| Net loans and leases to total assets | 71.6238% | 867 |
| Net loans and leases to deposits | 78.8052% | 1,319 |
| Net loans and leases to core deposits | 80.5017% | 1,555 |
| Total domestic deposits to total assets | 90.8871% | 534 |
| Equity capital to assets | 8.9825% | 3,636 |
| Core capital (leverage) ratio | 9.0283% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3144% | 2,524 |
| Memoranda: | ||
| Average total assets | $153,496,200 | 3,455 |
| Average earning assets | $143,345,200 | 3,437 |
| Average equity | $14,465,200 | 3,694 |
| Average total loans | $108,459,000 | 3,096 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 622 |
| Cost of funding earning assets | 0.8737% | 178 |
| Net interest margin | 3.6691% | 1,408 |
| Noninterest income to average assets | 0.2214% | 4,080 |
| Noninterest expense to average assets | 1.8508% | 4,053 |
| Loan and lease loss provision to assets | 0.2034% | 506 |
| Net operating income to assets | 1.5945% | 1,050 |
| Return on assets (ROA) | 1.5902% | 1,102 |
| Pretax return on assets | 1.5902% | 1,738 |
| Return on Equity (ROE) | 16.6751% | 820 |
| Retained earnings to average equity (ytd only) | 12.9817% | 646 |
| Net charge-offs to loans | 0.0112% | 1,912 |
| Credit loss provision to net charge-offs | 2,588.8889% | 268 |
| Earnings coverage of net charge-offs (x) | 229.1111% | 514 |
| Efficiency ratio | 50.7288% | 4,149 |
| Assets per employee ($millions) | 6.1078% | 2,581 |
| Cash dividends to net income (ytd only)* | 22.1491% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,323 |
| Loan loss allowance to noncurrent loans | 24,416.6667% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,233 |
| Noncurrent loans to loans | 0.0055% | 4,174 |
| Net loans and leases to total assets | 71.0804% | 978 |
| Net loans and leases to deposits | 79.1975% | 1,361 |
| Net loans and leases to core deposits | 80.9573% | 1,654 |
| Total domestic deposits to total assets | 89.7509% | 891 |
| Equity capital to assets | 10.0173% | 2,885 |
| Core capital (leverage) ratio | 9.7443% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0857% | 1,940 |
| Memoranda: | ||
| Average total assets | $152,936,250 | 3,494 |
| Average earning assets | $142,845,250 | 3,480 |
| Average equity | $14,584,250 | 3,727 |
| Average total loans | $107,316,500 | 3,151 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 458 |
| Cost of funding earning assets | 0.9043% | 183 |
| Net interest margin | 3.9110% | 951 |
| Noninterest income to average assets | 0.2117% | 4,139 |
| Noninterest expense to average assets | 1.8338% | 4,114 |
| Loan and lease loss provision to assets | 0.2653% | 358 |
| Net operating income to assets | 1.7645% | 771 |
| Return on assets (ROA) | 1.7580% | 826 |
| Pretax return on assets | 1.7580% | 1,333 |
| Return on Equity (ROE) | 18.7496% | 567 |
| Retained earnings to average equity (ytd only) | 14.0796% | 533 |
| Net charge-offs to loans | -0.0019% | 3,190 |
| Credit loss provision to net charge-offs | -20,300.0000% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4628% | 4,429 |
| Assets per employee ($millions) | 6.4624% | 2,191 |
| Cash dividends to net income (ytd only)* | 24.9071% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,168 |
| Loan loss allowance to noncurrent loans | 695.1923% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 3,344 |
| Noncurrent loans to loans | 0.1951% | 3,252 |
| Net loans and leases to total assets | 67.8072% | 1,470 |
| Net loans and leases to deposits | 75.1332% | 1,902 |
| Net loans and leases to core deposits | 76.7592% | 2,166 |
| Total domestic deposits to total assets | 90.2493% | 670 |
| Equity capital to assets | 9.5618% | 3,278 |
| Core capital (leverage) ratio | 9.3741% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6423% | 2,106 |
| Memoranda: | ||
| Average total assets | $153,016,333 | 3,502 |
| Average earning assets | $142,879,333 | 3,487 |
| Average equity | $14,347,000 | 3,758 |
| Average total loans | $106,421,333 | 3,174 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 228 |
| Cost of funding earning assets | 0.9533% | 171 |
| Net interest margin | 4.3633% | 458 |
| Noninterest income to average assets | 0.2553% | 3,869 |
| Noninterest expense to average assets | 1.8213% | 4,169 |
| Loan and lease loss provision to assets | 0.4738% | 147 |
| Net operating income to assets | 2.0319% | 550 |
| Return on assets (ROA) | 2.0319% | 591 |
| Pretax return on assets | 2.0319% | 903 |
| Return on Equity (ROE) | 21.8922% | 401 |
| Retained earnings to average equity (ytd only) | 14.7177% | 657 |
| Net charge-offs to loans | 0.0038% | 1,790 |
| Credit loss provision to net charge-offs | 18,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 952.0000% | 100 |
| Efficiency ratio | 42.0925% | 4,666 |
| Assets per employee ($millions) | 6.1809% | 2,428 |
| Cash dividends to net income (ytd only)* | 32.7720% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,299 |
| Loan loss allowance to noncurrent loans | 369.0909% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 2,892 |
| Noncurrent loans to loans | 0.3602% | 2,792 |
| Net loans and leases to total assets | 68.2474% | 1,495 |
| Net loans and leases to deposits | 75.3035% | 1,984 |
| Net loans and leases to core deposits | 77.4891% | 2,225 |
| Total domestic deposits to total assets | 90.6299% | 532 |
| Equity capital to assets | 9.2064% | 3,491 |
| Core capital (leverage) ratio | 9.2669% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5193% | 2,077 |
| Memoranda: | ||
| Average total assets | $151,976,000 | 3,511 |
| Average earning assets | $141,820,500 | 3,497 |
| Average equity | $14,105,500 | 3,783 |
| Average total loans | $106,325,500 | 3,184 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 1,756 |
| Cost of funding earning assets | 1.2734% | 200 |
| Net interest margin | 3.0627% | 3,720 |
| Noninterest income to average assets | 0.2342% | 4,097 |
| Noninterest expense to average assets | 1.8210% | 4,440 |
| Loan and lease loss provision to assets | 0.2044% | 1,921 |
| Net operating income to assets | 1.0553% | 2,083 |
| Return on assets (ROA) | 1.0553% | 2,219 |
| Pretax return on assets | 1.0553% | 2,856 |
| Return on Equity (ROE) | 11.1327% | 1,585 |
| Retained earnings to average equity (ytd only) | 5.8916% | 1,846 |
| Net charge-offs to loans | 0.3480% | 502 |
| Credit loss provision to net charge-offs | 80.3815% | 2,985 |
| Earnings coverage of net charge-offs (x) | 4.9537% | 2,918 |
| Efficiency ratio | 59.1093% | 3,577 |
| Assets per employee ($millions) | 6.2262% | 2,145 |
| Cash dividends to net income (ytd only)* | 47.0781% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 3,088 |
| Loan loss allowance to noncurrent loans | 640.2062% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 3,639 |
| Noncurrent loans to loans | 0.1834% | 3,558 |
| Net loans and leases to total assets | 69.9530% | 1,567 |
| Net loans and leases to deposits | 77.2979% | 2,147 |
| Net loans and leases to core deposits | 79.8909% | 2,376 |
| Total domestic deposits to total assets | 90.4978% | 380 |
| Equity capital to assets | 9.3590% | 3,732 |
| Core capital (leverage) ratio | 9.0836% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9561% | 2,249 |
| Memoranda: | ||
| Average total assets | $144,319,200 | 3,464 |
| Average earning assets | $134,129,600 | 3,455 |
| Average equity | $13,680,400 | 3,798 |
| Average total loans | $105,474,000 | 3,161 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 1,857 |
| Cost of funding earning assets | 1.3408% | 201 |
| Net interest margin | 3.0553% | 3,847 |
| Noninterest income to average assets | 0.2396% | 4,052 |
| Noninterest expense to average assets | 1.8400% | 4,425 |
| Loan and lease loss provision to assets | 0.1119% | 2,927 |
| Net operating income to assets | 1.1297% | 1,877 |
| Return on assets (ROA) | 1.1297% | 2,003 |
| Pretax return on assets | 1.1297% | 2,646 |
| Return on Equity (ROE) | 11.8783% | 1,407 |
| Retained earnings to average equity (ytd only) | 11.3589% | 511 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7096% | 3,427 |
| Assets per employee ($millions) | 6.2238% | 2,066 |
| Cash dividends to net income (ytd only)* | 4.3729% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 1,908 |
| Loan loss allowance to noncurrent loans | 4,217.6471% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 4,359 |
| Noncurrent loans to loans | 0.0323% | 4,263 |
| Net loans and leases to total assets | 69.5106% | 2,027 |
| Net loans and leases to deposits | 77.0912% | 2,641 |
| Net loans and leases to core deposits | 79.4965% | 2,887 |
| Total domestic deposits to total assets | 90.1667% | 372 |
| Equity capital to assets | 9.5849% | 3,621 |
| Core capital (leverage) ratio | 9.5022% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5673% | 1,976 |
| Memoranda: | ||
| Average total assets | $143,041,750 | 3,465 |
| Average earning assets | $133,053,750 | 3,456 |
| Average equity | $13,604,250 | 3,811 |
| Average total loans | $105,399,500 | 3,168 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 1,758 |
| Cost of funding earning assets | 1.4172% | 217 |
| Net interest margin | 3.1428% | 3,803 |
| Noninterest income to average assets | 0.1675% | 4,453 |
| Noninterest expense to average assets | 1.8151% | 4,540 |
| Loan and lease loss provision to assets | 0.0568% | 3,589 |
| Net operating income to assets | 1.2162% | 1,598 |
| Return on assets (ROA) | 1.2162% | 1,717 |
| Pretax return on assets | 1.2162% | 2,309 |
| Return on Equity (ROE) | 12.8229% | 1,143 |
| Retained earnings to average equity (ytd only) | 12.0150% | 461 |
| Net charge-offs to loans | -0.0019% | 3,809 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7776% | 3,584 |
| Assets per employee ($millions) | 6.0451% | 2,145 |
| Cash dividends to net income (ytd only)* | 6.3011% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,105 |
| Loan loss allowance to noncurrent loans | 3,985.2941% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,438 |
| Noncurrent loans to loans | 0.0321% | 4,352 |
| Net loans and leases to total assets | 72.0806% | 1,692 |
| Net loans and leases to deposits | 79.9670% | 2,426 |
| Net loans and leases to core deposits | 82.3751% | 2,748 |
| Total domestic deposits to total assets | 90.1380% | 365 |
| Equity capital to assets | 9.6442% | 3,528 |
| Core capital (leverage) ratio | 9.4158% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3785% | 2,036 |
| Memoranda: | ||
| Average total assets | $140,932,333 | 3,474 |
| Average earning assets | $130,966,333 | 3,462 |
| Average equity | $13,366,667 | 3,836 |
| Average total loans | $105,445,333 | 3,157 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 2,012 |
| Cost of funding earning assets | 1.4966% | 275 |
| Net interest margin | 3.0985% | 4,096 |
| Noninterest income to average assets | 0.1671% | 4,533 |
| Noninterest expense to average assets | 1.8119% | 4,651 |
| Loan and lease loss provision to assets | 0.0288% | 3,426 |
| Net operating income to assets | 1.2070% | 1,493 |
| Return on assets (ROA) | 1.2070% | 1,606 |
| Pretax return on assets | 1.2070% | 2,171 |
| Return on Equity (ROE) | 12.8390% | 905 |
| Retained earnings to average equity (ytd only) | 11.1843% | 544 |
| Net charge-offs to loans | 0.0038% | 2,445 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 429.0000% | 155 |
| Efficiency ratio | 59.4518% | 3,814 |
| Assets per employee ($millions) | 6.3970% | 1,404 |
| Cash dividends to net income (ytd only)* | 12.8878% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,309 |
| Loan loss allowance to noncurrent loans | 1,260.0000% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 4,229 |
| Noncurrent loans to loans | 0.1004% | 4,105 |
| Net loans and leases to total assets | 73.3719% | 1,717 |
| Net loans and leases to deposits | 81.1416% | 2,565 |
| Net loans and leases to core deposits | 84.1661% | 2,837 |
| Total domestic deposits to total assets | 90.4246% | 213 |
| Equity capital to assets | 9.3772% | 4,336 |
| Core capital (leverage) ratio | 9.4224% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1205% | 2,229 |
| Memoranda: | ||
| Average total assets | $138,857,500 | 3,468 |
| Average earning assets | $129,095,000 | 3,456 |
| Average equity | $13,054,000 | 3,877 |
| Average total loans | $105,202,500 | 3,151 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 2,630 |
| Cost of funding earning assets | 1.5026% | 392 |
| Net interest margin | 3.0936% | 4,377 |
| Noninterest income to average assets | 0.1629% | 4,676 |
| Noninterest expense to average assets | 1.8907% | 4,678 |
| Loan and lease loss provision to assets | 0.0415% | 3,189 |
| Net operating income to assets | 1.1038% | 2,430 |
| Return on assets (ROA) | 1.1038% | 2,526 |
| Pretax return on assets | 1.1038% | 3,150 |
| Return on Equity (ROE) | 11.8809% | 1,560 |
| Retained earnings to average equity (ytd only) | 6.3986% | 1,667 |
| Net charge-offs to loans | -0.0047% | 4,339 |
| Credit loss provision to net charge-offs | -1,120.0000% | 4,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2775% | 3,331 |
| Assets per employee ($millions) | 5.9557% | 1,660 |
| Cash dividends to net income (ytd only)* | 46.1435% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,217 |
| Loan loss allowance to noncurrent loans | 826.4151% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 4,055 |
| Noncurrent loans to loans | 0.1503% | 3,926 |
| Net loans and leases to total assets | 76.2943% | 1,361 |
| Net loans and leases to deposits | 84.4100% | 2,292 |
| Net loans and leases to core deposits | 87.8698% | 2,613 |
| Total domestic deposits to total assets | 90.3855% | 218 |
| Equity capital to assets | 9.4255% | 4,407 |
| Core capital (leverage) ratio | 9.1973% | 4,361 |
| Tier 1 risk-based capital ratio | 12.4159% | 4,125 |
| Total risk-based capital ratio | 13.6661% | 3,992 |
| Memoranda: | ||
| Average total assets | $135,081,600 | 3,506 |
| Average earning assets | $125,451,600 | 3,490 |
| Average equity | $12,549,600 | 3,930 |
| Average total loans | $106,152,000 | 3,143 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 2,886 |
| Cost of funding earning assets | 1.4756% | 441 |
| Net interest margin | 3.0770% | 4,513 |
| Noninterest income to average assets | 0.1694% | 4,702 |
| Noninterest expense to average assets | 1.9038% | 4,692 |
| Loan and lease loss provision to assets | 0.0555% | 2,801 |
| Net operating income to assets | 1.0668% | 2,707 |
| Return on assets (ROA) | 1.0668% | 2,792 |
| Pretax return on assets | 1.0668% | 3,393 |
| Return on Equity (ROE) | 11.5253% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.9902% | 529 |
| Net charge-offs to loans | -0.0013% | 4,012 |
| Credit loss provision to net charge-offs | -5,600.0000% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9133% | 3,179 |
| Assets per employee ($millions) | 6.0503% | 1,572 |
| Cash dividends to net income (ytd only)* | 4.6429% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,473 |
| Loan loss allowance to noncurrent loans | 1,520.9302% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,402 |
| Noncurrent loans to loans | 0.0793% | 4,285 |
| Net loans and leases to total assets | 76.9535% | 1,330 |
| Net loans and leases to deposits | 85.2346% | 2,292 |
| Net loans and leases to core deposits | 89.1641% | 2,621 |
| Total domestic deposits to total assets | 90.2844% | 216 |
| Equity capital to assets | 9.4375% | 4,503 |
| Core capital (leverage) ratio | 9.5695% | 4,091 |
| Tier 1 risk-based capital ratio | 12.4577% | 4,170 |
| Total risk-based capital ratio | 13.7078% | 4,053 |
| Memoranda: | ||
| Average total assets | $134,607,000 | 3,545 |
| Average earning assets | $124,966,000 | 3,529 |
| Average equity | $12,459,250 | 3,977 |
| Average total loans | $106,234,500 | 3,178 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 2,932 |
| Cost of funding earning assets | 1.4563% | 441 |
| Net interest margin | 3.0699% | 4,586 |
| Noninterest income to average assets | 0.1653% | 4,761 |
| Noninterest expense to average assets | 1.9235% | 4,718 |
| Loan and lease loss provision to assets | 0.0466% | 2,882 |
| Net operating income to assets | 1.0399% | 2,767 |
| Return on assets (ROA) | 1.0399% | 2,839 |
| Pretax return on assets | 1.0399% | 3,417 |
| Return on Equity (ROE) | 11.3121% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.4948% | 638 |
| Net charge-offs to loans | -0.0038% | 4,068 |
| Credit loss provision to net charge-offs | -1,550.0000% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9041% | 3,145 |
| Assets per employee ($millions) | 5.8411% | 1,662 |
| Cash dividends to net income (ytd only)* | 7.2254% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,594 |
| Loan loss allowance to noncurrent loans | 1,473.5632% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,431 |
| Noncurrent loans to loans | 0.0806% | 4,318 |
| Net loans and leases to total assets | 79.4017% | 984 |
| Net loans and leases to deposits | 87.9335% | 2,016 |
| Net loans and leases to core deposits | 92.1191% | 2,406 |
| Total domestic deposits to total assets | 90.2974% | 244 |
| Equity capital to assets | 9.4651% | 4,437 |
| Core capital (leverage) ratio | 9.3441% | 4,312 |
| Tier 1 risk-based capital ratio | 12.1733% | 4,314 |
| Total risk-based capital ratio | 13.4167% | 4,210 |
| Memoranda: | ||
| Average total assets | $133,090,000 | 3,583 |
| Average earning assets | $123,325,000 | 3,572 |
| Average equity | $12,234,670 | 4,012 |
| Average total loans | $105,514,330 | 3,205 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 3,307 |
| Cost of funding earning assets | 1.4268% | 415 |
| Net interest margin | 2.9513% | 4,819 |
| Noninterest income to average assets | 0.1661% | 4,743 |
| Noninterest expense to average assets | 1.9115% | 4,782 |
| Loan and lease loss provision to assets | 0.0513% | 2,628 |
| Net operating income to assets | 0.9391% | 3,094 |
| Return on assets (ROA) | 0.9391% | 3,136 |
| Pretax return on assets | 0.9391% | 3,643 |
| Return on Equity (ROE) | 10.3719% | 2,207 |
| Retained earnings to average equity (ytd only) | 10.3719% | 949 |
| Net charge-offs to loans | -0.0038% | 3,962 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8689% | 2,958 |
| Assets per employee ($millions) | 5.8979% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,470 |
| Loan loss allowance to noncurrent loans | 1,410.0000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 4,488 |
| Noncurrent loans to loans | 0.0866% | 4,362 |
| Net loans and leases to total assets | 75.6944% | 1,533 |
| Net loans and leases to deposits | 83.3666% | 2,460 |
| Net loans and leases to core deposits | 88.0022% | 2,684 |
| Total domestic deposits to total assets | 90.7970% | 209 |
| Equity capital to assets | 9.0017% | 4,680 |
| Core capital (leverage) ratio | 9.2607% | 4,398 |
| Tier 1 risk-based capital ratio | 12.3447% | 4,271 |
| Total risk-based capital ratio | 13.5953% | 4,138 |
| Memoranda: | ||
| Average total assets | $132,462,000 | 3,626 |
| Average earning assets | $122,793,500 | 3,618 |
| Average equity | $11,994,000 | 4,054 |
| Average total loans | $104,294,000 | 3,250 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 3,476 |
| Cost of funding earning assets | 1.1367% | 439 |
| Net interest margin | 3.0485% | 4,734 |
| Noninterest income to average assets | 0.1674% | 4,889 |
| Noninterest expense to average assets | 1.9573% | 4,812 |
| Loan and lease loss provision to assets | 0.0537% | 3,105 |
| Net operating income to assets | 0.9857% | 3,077 |
| Return on assets (ROA) | 0.9857% | 3,073 |
| Pretax return on assets | 0.9857% | 3,659 |
| Return on Equity (ROE) | 10.8911% | 2,134 |
| Retained earnings to average equity (ytd only) | 5.5488% | 2,458 |
| Net charge-offs to loans | 0.0078% | 3,405 |
| Credit loss provision to net charge-offs | 862.5000% | 413 |
| Earnings coverage of net charge-offs (x) | 166.8750% | 518 |
| Efficiency ratio | 65.3157% | 2,987 |
| Assets per employee ($millions) | 5.8760% | 1,610 |
| Cash dividends to net income (ytd only)* | 49.0521% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,600 |
| Loan loss allowance to noncurrent loans | 478.9272% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 3,822 |
| Noncurrent loans to loans | 0.2494% | 3,690 |
| Net loans and leases to total assets | 79.9771% | 946 |
| Net loans and leases to deposits | 90.2739% | 1,761 |
| Net loans and leases to core deposits | 94.7193% | 2,164 |
| Total domestic deposits to total assets | 88.5938% | 1,031 |
| Equity capital to assets | 9.1102% | 4,479 |
| Core capital (leverage) ratio | 9.2131% | 4,439 |
| Tier 1 risk-based capital ratio | 11.9360% | 4,470 |
| Total risk-based capital ratio | 13.1858% | 4,355 |
| Memoranda: | ||
| Average total assets | $128,442,600 | 3,667 |
| Average earning assets | $119,205,800 | 3,658 |
| Average equity | $11,624,200 | 4,075 |
| Average total loans | $102,460,400 | 3,254 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,613 |
| Cost of funding earning assets | 1.0814% | 428 |
| Net interest margin | 3.0259% | 4,813 |
| Noninterest income to average assets | 0.1653% | 4,958 |
| Noninterest expense to average assets | 1.9006% | 4,902 |
| Loan and lease loss provision to assets | 0.0634% | 2,706 |
| Net operating income to assets | 1.0117% | 3,033 |
| Return on assets (ROA) | 1.0117% | 3,045 |
| Pretax return on assets | 1.0117% | 3,682 |
| Return on Equity (ROE) | 11.1971% | 2,094 |
| Retained earnings to average equity (ytd only) | 10.0924% | 892 |
| Net charge-offs to loans | 0.0131% | 2,959 |
| Credit loss provision to net charge-offs | 610.0000% | 583 |
| Earnings coverage of net charge-offs (x) | 103.4231% | 728 |
| Efficiency ratio | 63.8714% | 3,207 |
| Assets per employee ($millions) | 5.7955% | 1,646 |
| Cash dividends to net income (ytd only)* | 9.8666% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,672 |
| Loan loss allowance to noncurrent loans | 1,677.0270% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 4,683 |
| Noncurrent loans to loans | 0.0710% | 4,559 |
| Net loans and leases to total assets | 80.7572% | 908 |
| Net loans and leases to deposits | 92.7547% | 1,526 |
| Net loans and leases to core deposits | 97.2359% | 1,995 |
| Total domestic deposits to total assets | 87.0653% | 1,701 |
| Equity capital to assets | 9.3591% | 4,218 |
| Core capital (leverage) ratio | 9.6051% | 4,056 |
| Tier 1 risk-based capital ratio | 12.1768% | 4,390 |
| Total risk-based capital ratio | 13.4215% | 4,295 |
| Memoranda: | ||
| Average total assets | $128,235,250 | 3,704 |
| Average earning assets | $119,103,500 | 3,696 |
| Average equity | $11,586,000 | 4,114 |
| Average total loans | $101,916,000 | 3,293 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0276% | 3,700 |
| Cost of funding earning assets | 1.0640% | 341 |
| Net interest margin | 2.9637% | 4,924 |
| Noninterest income to average assets | 0.1479% | 5,086 |
| Noninterest expense to average assets | 1.9038% | 4,952 |
| Loan and lease loss provision to assets | 0.0654% | 2,592 |
| Net operating income to assets | 0.9278% | 3,331 |
| Return on assets (ROA) | 0.9278% | 3,335 |
| Pretax return on assets | 0.9278% | 3,879 |
| Return on Equity (ROE) | 10.3920% | 2,383 |
| Retained earnings to average equity (ytd only) | 8.7181% | 1,313 |
| Net charge-offs to loans | 0.0158% | 2,610 |
| Credit loss provision to net charge-offs | 525.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 79.7500% | 822 |
| Efficiency ratio | 65.7174% | 3,029 |
| Assets per employee ($millions) | 5.9718% | 1,487 |
| Cash dividends to net income (ytd only)* | 16.1074% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,677 |
| Loan loss allowance to noncurrent loans | 1,474.6988% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 4,685 |
| Noncurrent loans to loans | 0.0817% | 4,541 |
| Net loans and leases to total assets | 79.9885% | 1,026 |
| Net loans and leases to deposits | 88.3806% | 2,063 |
| Net loans and leases to core deposits | 94.9636% | 2,144 |
| Total domestic deposits to total assets | 90.5046% | 395 |
| Equity capital to assets | 9.2506% | 4,331 |
| Core capital (leverage) ratio | 9.3857% | 4,264 |
| Tier 1 risk-based capital ratio | 12.1137% | 4,427 |
| Total risk-based capital ratio | 13.3640% | 4,308 |
| Memoranda: | ||
| Average total assets | $128,479,670 | 3,725 |
| Average earning assets | $119,177,000 | 3,727 |
| Average equity | $11,470,330 | 4,164 |
| Average total loans | $101,152,000 | 3,318 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9967% | 3,621 |
| Cost of funding earning assets | 1.0607% | 276 |
| Net interest margin | 2.9360% | 4,978 |
| Noninterest income to average assets | 0.1323% | 5,202 |
| Noninterest expense to average assets | 1.8490% | 5,106 |
| Loan and lease loss provision to assets | 0.0831% | 2,132 |
| Net operating income to assets | 0.9168% | 3,224 |
| Return on assets (ROA) | 0.9168% | 3,234 |
| Pretax return on assets | 0.9168% | 3,791 |
| Return on Equity (ROE) | 10.4516% | 2,203 |
| Retained earnings to average equity (ytd only) | 10.4516% | 1,032 |
| Net charge-offs to loans | 0.0357% | 1,810 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 36.1111% | 1,123 |
| Efficiency ratio | 64.9028% | 3,332 |
| Assets per employee ($millions) | 5.8135% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,787 |
| Loan loss allowance to noncurrent loans | 1,244.3299% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,710 |
| Noncurrent loans to loans | 0.0967% | 4,541 |
| Net loans and leases to total assets | 77.5022% | 1,313 |
| Net loans and leases to deposits | 85.3339% | 2,256 |
| Net loans and leases to core deposits | 90.6873% | 2,396 |
| Total domestic deposits to total assets | 90.8223% | 377 |
| Equity capital to assets | 8.9674% | 4,591 |
| Core capital (leverage) ratio | 8.8813% | 4,815 |
| Tier 1 risk-based capital ratio | 12.0017% | 4,543 |
| Total risk-based capital ratio | 13.2517% | 4,439 |
| Memoranda: | ||
| Average total assets | $130,015,500 | 3,750 |
| Average earning assets | $120,300,500 | 3,742 |
| Average equity | $11,405,000 | 4,207 |
| Average total loans | $100,960,000 | 3,343 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 3,733 |
| Cost of funding earning assets | 0.9744% | 250 |
| Net interest margin | 2.9224% | 5,013 |
| Noninterest income to average assets | 0.1652% | 5,135 |
| Noninterest expense to average assets | 1.9421% | 5,061 |
| Loan and lease loss provision to assets | 0.2227% | 888 |
| Net operating income to assets | 0.7008% | 3,600 |
| Return on assets (ROA) | 0.7040% | 3,641 |
| Pretax return on assets | 0.7040% | 4,498 |
| Return on Equity (ROE) | 7.8269% | 2,877 |
| Retained earnings to average equity (ytd only) | 3.3899% | 3,256 |
| Net charge-offs to loans | 0.0042% | 3,948 |
| Credit loss provision to net charge-offs | 6,975.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 289.2500% | 299 |
| Efficiency ratio | 67.7716% | 2,938 |
| Assets per employee ($millions) | 6.6067% | 1,145 |
| Cash dividends to net income (ytd only)* | 56.6893% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 2,942 |
| Loan loss allowance to noncurrent loans | 2,975.0000% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 4,990 |
| Noncurrent loans to loans | 0.0394% | 4,830 |
| Net loans and leases to total assets | 75.9835% | 1,600 |
| Net loans and leases to deposits | 83.2953% | 2,571 |
| Net loans and leases to core deposits | 92.2396% | 2,354 |
| Total domestic deposits to total assets | 91.2218% | 190 |
| Equity capital to assets | 8.5830% | 5,057 |
| Core capital (leverage) ratio | 8.8758% | 4,782 |
| Tier 1 risk-based capital ratio | 11.5039% | 4,846 |
| Total risk-based capital ratio | 12.7193% | 4,765 |
| Memoranda: | ||
| Average total assets | $125,279,800 | 3,814 |
| Average earning assets | $115,759,200 | 3,822 |
| Average equity | $11,268,800 | 4,263 |
| Average total loans | $95,188,200 | 3,431 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 3,772 |
| Cost of funding earning assets | 0.9463% | 263 |
| Net interest margin | 2.9219% | 5,063 |
| Noninterest income to average assets | 0.1640% | 5,198 |
| Noninterest expense to average assets | 1.9660% | 5,024 |
| Loan and lease loss provision to assets | 0.2579% | 663 |
| Net operating income to assets | 0.6388% | 4,236 |
| Return on assets (ROA) | 0.6420% | 4,276 |
| Pretax return on assets | 0.6420% | 4,752 |
| Return on Equity (ROE) | 7.0512% | 3,632 |
| Retained earnings to average equity (ytd only) | 7.0512% | 1,665 |
| Net charge-offs to loans | 0.0057% | 3,528 |
| Credit loss provision to net charge-offs | 5,975.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 207.8743% | 414 |
| Efficiency ratio | 68.6770% | 2,758 |
| Assets per employee ($millions) | 6.0742% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 3,149 |
| Loan loss allowance to noncurrent loans | 571.6418% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 4,479 |
| Noncurrent loans to loans | 0.2029% | 4,271 |
| Net loans and leases to total assets | 76.7762% | 1,454 |
| Net loans and leases to deposits | 85.2187% | 2,406 |
| Net loans and leases to core deposits | 91.7484% | 2,470 |
| Total domestic deposits to total assets | 90.0932% | 445 |
| Equity capital to assets | 9.1534% | 4,768 |
| Core capital (leverage) ratio | 9.1420% | 4,582 |
| Tier 1 risk-based capital ratio | 11.9709% | 4,645 |
| Total risk-based capital ratio | 13.1694% | 4,562 |
| Memoranda: | ||
| Average total assets | $123,566,250 | 3,881 |
| Average earning assets | $114,125,000 | 3,883 |
| Average equity | $11,250,750 | 4,308 |
| Average total loans | $93,587,750 | 3,490 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 3,787 |
| Cost of funding earning assets | 0.9340% | 247 |
| Net interest margin | 2.8962% | 5,103 |
| Noninterest income to average assets | 0.1587% | 5,255 |
| Noninterest expense to average assets | 1.9536% | 5,075 |
| Loan and lease loss provision to assets | 0.3109% | 480 |
| Net operating income to assets | 0.5579% | 4,483 |
| Return on assets (ROA) | 0.5628% | 4,508 |
| Pretax return on assets | 0.5628% | 4,876 |
| Return on Equity (ROE) | 6.1932% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.1932% | 2,023 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2174% | 2,814 |
| Assets per employee ($millions) | 5.5107% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,125 |
| Loan loss allowance to noncurrent loans | 531.2500% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 4,526 |
| Noncurrent loans to loans | 0.2226% | 4,227 |
| Net loans and leases to total assets | 72.8530% | 2,070 |
| Net loans and leases to deposits | 80.2711% | 2,879 |
| Net loans and leases to core deposits | 86.8591% | 2,806 |
| Total domestic deposits to total assets | 90.7588% | 276 |
| Equity capital to assets | 8.9927% | 4,916 |
| Core capital (leverage) ratio | 8.9725% | 4,757 |
| Tier 1 risk-based capital ratio | 12.2025% | 4,486 |
| Total risk-based capital ratio | 13.4028% | 4,409 |
| Memoranda: | ||
| Average total assets | $122,235,330 | 3,925 |
| Average earning assets | $112,425,000 | 3,937 |
| Average equity | $11,109,000 | 4,345 |
| Average total loans | $91,755,670 | 3,545 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 3,684 |
| Cost of funding earning assets | 0.9366% | 230 |
| Net interest margin | 2.8859% | 5,114 |
| Noninterest income to average assets | 0.1300% | 5,467 |
| Noninterest expense to average assets | 1.9937% | 5,064 |
| Loan and lease loss provision to assets | 0.3501% | 340 |
| Net operating income to assets | 0.4367% | 4,829 |
| Return on assets (ROA) | 0.4467% | 4,814 |
| Pretax return on assets | 0.4467% | 5,069 |
| Return on Equity (ROE) | 4.8885% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.8885% | 2,958 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7026% | 2,625 |
| Assets per employee ($millions) | 5.4239% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 3,539 |
| Loan loss allowance to noncurrent loans | 1,096.7742% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 4,977 |
| Noncurrent loans to loans | 0.1027% | 4,781 |
| Net loans and leases to total assets | 71.7633% | 2,105 |
| Net loans and leases to deposits | 78.9224% | 2,872 |
| Net loans and leases to core deposits | 85.6091% | 2,759 |
| Total domestic deposits to total assets | 90.9290% | 321 |
| Equity capital to assets | 8.8530% | 4,954 |
| Core capital (leverage) ratio | 9.2562% | 4,406 |
| Tier 1 risk-based capital ratio | 12.3257% | 4,495 |
| Total risk-based capital ratio | 13.4672% | 4,468 |
| Memoranda: | ||
| Average total assets | $119,979,500 | 3,996 |
| Average earning assets | $110,190,000 | 4,014 |
| Average equity | $10,964,500 | 4,393 |
| Average total loans | $90,911,500 | 3,579 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9720% | 3,304 |
| Cost of funding earning assets | 0.8864% | 321 |
| Net interest margin | 3.0856% | 4,765 |
| Noninterest income to average assets | 0.1964% | 5,235 |
| Noninterest expense to average assets | 2.1220% | 4,962 |
| Loan and lease loss provision to assets | 0.2010% | 1,150 |
| Net operating income to assets | 0.7168% | 3,706 |
| Return on assets (ROA) | 0.7416% | 3,696 |
| Pretax return on assets | 0.7416% | 4,368 |
| Return on Equity (ROE) | 7.3702% | 3,284 |
| Retained earnings to average equity (ytd only) | 2.8186% | 3,897 |
| Net charge-offs to loans | -0.0061% | 4,840 |
| Credit loss provision to net charge-offs | -4,380.0000% | 5,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8068% | 2,937 |
| Assets per employee ($millions) | 5.7605% | 1,653 |
| Cash dividends to net income (ytd only)* | 61.7574% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 4,309 |
| Loan loss allowance to noncurrent loans | 340.1487% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 4,372 |
| Noncurrent loans to loans | 0.2947% | 4,092 |
| Net loans and leases to total assets | 78.4342% | 1,137 |
| Net loans and leases to deposits | 88.5158% | 1,867 |
| Net loans and leases to core deposits | 96.6563% | 1,867 |
| Total domestic deposits to total assets | 88.6104% | 1,318 |
| Equity capital to assets | 9.4480% | 4,328 |
| Core capital (leverage) ratio | 9.5210% | 4,055 |
| Tier 1 risk-based capital ratio | 12.3705% | 4,464 |
| Total risk-based capital ratio | 13.4096% | 4,488 |
| Memoranda: | ||
| Average total assets | $108,955,200 | 4,190 |
| Average earning assets | $100,402,800 | 4,195 |
| Average equity | $10,963,000 | 4,428 |
| Average total loans | $82,532,600 | 3,754 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,375 |
| Cost of funding earning assets | 0.8542% | 370 |
| Net interest margin | 3.1057% | 4,760 |
| Noninterest income to average assets | 0.2024% | 5,258 |
| Noninterest expense to average assets | 2.1752% | 4,829 |
| Loan and lease loss provision to assets | 0.1415% | 1,656 |
| Net operating income to assets | 0.7474% | 3,616 |
| Return on assets (ROA) | 0.7809% | 3,595 |
| Pretax return on assets | 0.7809% | 4,366 |
| Return on Equity (ROE) | 7.6362% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.6362% | 1,343 |
| Net charge-offs to loans | -0.0116% | 4,822 |
| Credit loss provision to net charge-offs | -1,628.5714% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9887% | 2,742 |
| Assets per employee ($millions) | 5.6524% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 4,834 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 4,487 |
| Noncurrent loans to loans | 0.3032% | 4,165 |
| Net loans and leases to total assets | 78.0536% | 1,183 |
| Net loans and leases to deposits | 88.8949% | 1,906 |
| Net loans and leases to core deposits | 97.3113% | 1,879 |
| Total domestic deposits to total assets | 87.8043% | 1,503 |
| Equity capital to assets | 10.1178% | 4,021 |
| Core capital (leverage) ratio | 10.1437% | 3,385 |
| Tier 1 risk-based capital ratio | 13.0136% | 4,150 |
| Total risk-based capital ratio | 13.9546% | 4,248 |
| Memoranda: | ||
| Average total assets | $107,391,500 | 4,247 |
| Average earning assets | $98,955,750 | 4,258 |
| Average equity | $10,982,500 | 4,469 |
| Average total loans | $80,346,000 | 3,813 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 3,392 |
| Cost of funding earning assets | 0.8210% | 436 |
| Net interest margin | 3.1376% | 4,729 |
| Noninterest income to average assets | 0.1839% | 5,397 |
| Noninterest expense to average assets | 2.2956% | 4,622 |
| Loan and lease loss provision to assets | 0.0645% | 2,855 |
| Net operating income to assets | 0.7071% | 3,753 |
| Return on assets (ROA) | 0.7545% | 3,680 |
| Pretax return on assets | 0.7545% | 4,441 |
| Return on Equity (ROE) | 7.3495% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.3495% | 1,451 |
| Net charge-offs to loans | -0.0181% | 4,907 |
| Credit loss provision to net charge-offs | -485.7143% | 4,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8455% | 2,240 |
| Assets per employee ($millions) | 5.7284% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 5,047 |
| Loan loss allowance to noncurrent loans | 321.5859% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 4,658 |
| Noncurrent loans to loans | 0.2710% | 4,392 |
| Net loans and leases to total assets | 76.2833% | 1,445 |
| Net loans and leases to deposits | 85.2029% | 2,333 |
| Net loans and leases to core deposits | 87.8619% | 2,737 |
| Total domestic deposits to total assets | 89.5313% | 667 |
| Equity capital to assets | 10.2013% | 3,975 |
| Core capital (leverage) ratio | 10.1985% | 3,335 |
| Tier 1 risk-based capital ratio | 13.4166% | 3,956 |
| Total risk-based capital ratio | 14.3081% | 4,087 |
| Memoranda: | ||
| Average total assets | $105,506,000 | 4,326 |
| Average earning assets | $96,951,670 | 4,327 |
| Average equity | $10,830,670 | 4,522 |
| Average total loans | $77,445,330 | 3,916 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 3,472 |
| Cost of funding earning assets | 0.8065% | 482 |
| Net interest margin | 3.1208% | 4,808 |
| Noninterest income to average assets | 0.1810% | 5,412 |
| Noninterest expense to average assets | 2.2227% | 4,853 |
| Loan and lease loss provision to assets | 0.0385% | 3,135 |
| Net operating income to assets | 0.7820% | 3,340 |
| Return on assets (ROA) | 0.7897% | 3,401 |
| Pretax return on assets | 0.7897% | 4,226 |
| Return on Equity (ROE) | 7.6675% | 3,100 |
| Retained earnings to average equity (ytd only) | 7.6675% | 1,604 |
| Net charge-offs to loans | -0.0108% | 4,564 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0380% | 2,634 |
| Assets per employee ($millions) | 5.6279% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9010% | 5,052 |
| Loan loss allowance to noncurrent loans | 317.6471% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 4,732 |
| Noncurrent loans to loans | 0.2837% | 4,413 |
| Net loans and leases to total assets | 72.2052% | 2,005 |
| Net loans and leases to deposits | 83.3601% | 2,384 |
| Net loans and leases to core deposits | 86.3442% | 2,717 |
| Total domestic deposits to total assets | 86.6183% | 2,402 |
| Equity capital to assets | 10.1487% | 3,899 |
| Core capital (leverage) ratio | 10.3813% | 3,094 |
| Tier 1 risk-based capital ratio | 14.0324% | 3,673 |
| Total risk-based capital ratio | 14.9464% | 3,801 |
| Memoranda: | ||
| Average total assets | $103,839,500 | 4,392 |
| Average earning assets | $95,232,000 | 4,395 |
| Average equity | $10,694,500 | 4,560 |
| Average total loans | $74,290,000 | 4,013 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 3,880 |
| Cost of funding earning assets | 0.8164% | 449 |
| Net interest margin | 3.0345% | 5,058 |
| Noninterest income to average assets | 0.2223% | 5,269 |
| Noninterest expense to average assets | 2.2351% | 4,963 |
| Loan and lease loss provision to assets | 0.0336% | 3,679 |
| Net operating income to assets | 0.7393% | 3,622 |
| Return on assets (ROA) | 0.7617% | 3,606 |
| Pretax return on assets | 0.7617% | 4,332 |
| Return on Equity (ROE) | 7.0865% | 3,468 |
| Retained earnings to average equity (ytd only) | 3.4626% | 3,592 |
| Net charge-offs to loans | 0.1133% | 2,245 |
| Credit loss provision to net charge-offs | 44.5946% | 3,479 |
| Earnings coverage of net charge-offs (x) | 10.2432% | 2,710 |
| Efficiency ratio | 74.3051% | 2,533 |
| Assets per employee ($millions) | 5.3026% | 2,010 |
| Cash dividends to net income (ytd only)* | 51.1379% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 4,733 |
| Loan loss allowance to noncurrent loans | 1,095.2381% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 5,400 |
| Noncurrent loans to loans | 0.0891% | 5,139 |
| Net loans and leases to total assets | 69.4588% | 2,458 |
| Net loans and leases to deposits | 80.6043% | 2,753 |
| Net loans and leases to core deposits | 83.4315% | 3,007 |
| Total domestic deposits to total assets | 86.1726% | 2,556 |
| Equity capital to assets | 10.4587% | 3,409 |
| Core capital (leverage) ratio | 10.6601% | 2,761 |
| Tier 1 risk-based capital ratio | 15.0971% | 3,136 |
| Total risk-based capital ratio | 16.0857% | 3,191 |
| Memoranda: | ||
| Average total assets | $98,070,200 | 4,496 |
| Average earning assets | $90,032,400 | 4,504 |
| Average equity | $10,541,200 | 4,560 |
| Average total loans | $65,334,800 | 4,223 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 3,955 |
| Cost of funding earning assets | 0.8183% | 444 |
| Net interest margin | 3.0258% | 5,136 |
| Noninterest income to average assets | 0.2300% | 5,277 |
| Noninterest expense to average assets | 2.2532% | 4,901 |
| Loan and lease loss provision to assets | 0.0370% | 3,475 |
| Net operating income to assets | 0.7187% | 3,826 |
| Return on assets (ROA) | 0.7392% | 3,827 |
| Pretax return on assets | 0.7392% | 4,539 |
| Return on Equity (ROE) | 6.8295% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.8295% | 1,774 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8863% | 2,420 |
| Assets per employee ($millions) | 5.1584% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 4,064 |
| Loan loss allowance to noncurrent loans | 527.0833% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 5,172 |
| Noncurrent loans to loans | 0.2140% | 4,795 |
| Net loans and leases to total assets | 67.8723% | 2,696 |
| Net loans and leases to deposits | 76.5234% | 3,241 |
| Net loans and leases to core deposits | 79.1973% | 3,490 |
| Total domestic deposits to total assets | 88.6949% | 1,177 |
| Equity capital to assets | 10.9878% | 3,042 |
| Core capital (leverage) ratio | 11.0288% | 2,457 |
| Tier 1 risk-based capital ratio | 16.2443% | 2,695 |
| Total risk-based capital ratio | 17.3892% | 2,689 |
| Memoranda: | ||
| Average total assets | $97,400,500 | 4,557 |
| Average earning assets | $89,451,250 | 4,571 |
| Average equity | $10,542,250 | 4,612 |
| Average total loans | $64,001,250 | 4,304 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 3,929 |
| Cost of funding earning assets | 0.8156% | 453 |
| Net interest margin | 3.0220% | 5,172 |
| Noninterest income to average assets | 0.2140% | 5,413 |
| Noninterest expense to average assets | 2.2223% | 5,046 |
| Loan and lease loss provision to assets | 0.0370% | 3,377 |
| Net operating income to assets | 0.7222% | 3,778 |
| Return on assets (ROA) | 0.7305% | 3,849 |
| Pretax return on assets | 0.7305% | 4,558 |
| Return on Equity (ROE) | 6.7834% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.7834% | 1,798 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5342% | 2,610 |
| Assets per employee ($millions) | 4.8841% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,950 |
| Loan loss allowance to noncurrent loans | 937.5000% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 5,544 |
| Noncurrent loans to loans | 0.1252% | 5,252 |
| Net loans and leases to total assets | 64.6578% | 3,172 |
| Net loans and leases to deposits | 72.6166% | 3,663 |
| Net loans and leases to core deposits | 75.3427% | 3,818 |
| Total domestic deposits to total assets | 89.0399% | 1,119 |
| Equity capital to assets | 10.7492% | 3,168 |
| Core capital (leverage) ratio | 10.7897% | 2,625 |
| Tier 1 risk-based capital ratio | 16.5798% | 2,580 |
| Total risk-based capital ratio | 17.7570% | 2,556 |
| Memoranda: | ||
| Average total assets | $97,197,670 | 4,608 |
| Average earning assets | $89,013,670 | 4,617 |
| Average equity | $10,466,670 | 4,656 |
| Average total loans | $62,908,330 | 4,374 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 3,866 |
| Cost of funding earning assets | 0.8133% | 467 |
| Net interest margin | 3.0240% | 5,141 |
| Noninterest income to average assets | 0.2145% | 5,415 |
| Noninterest expense to average assets | 2.2072% | 5,123 |
| Loan and lease loss provision to assets | 0.0371% | 3,158 |
| Net operating income to assets | 0.7467% | 3,558 |
| Return on assets (ROA) | 0.7632% | 3,599 |
| Pretax return on assets | 0.7632% | 4,374 |
| Return on Equity (ROE) | 7.0813% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.0813% | 1,977 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7931% | 2,849 |
| Assets per employee ($millions) | 4.9726% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 4,141 |
| Loan loss allowance to noncurrent loans | 926.2500% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 5,618 |
| Noncurrent loans to loans | 0.1264% | 5,322 |
| Net loans and leases to total assets | 62.8722% | 3,249 |
| Net loans and leases to deposits | 70.5038% | 3,693 |
| Net loans and leases to core deposits | 73.0942% | 3,863 |
| Total domestic deposits to total assets | 89.1756% | 1,155 |
| Equity capital to assets | 10.6424% | 3,383 |
| Core capital (leverage) ratio | 10.7813% | 2,647 |
| Tier 1 risk-based capital ratio | 16.6067% | 2,636 |
| Total risk-based capital ratio | 17.7910% | 2,610 |
| Memoranda: | ||
| Average total assets | $96,955,500 | 4,648 |
| Average earning assets | $89,021,500 | 4,656 |
| Average equity | $10,450,000 | 4,698 |
| Average total loans | $62,408,000 | 4,417 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 4,007 |
| Cost of funding earning assets | 0.8854% | 420 |
| Net interest margin | 3.0466% | 5,327 |
| Noninterest income to average assets | 0.2393% | 5,417 |
| Noninterest expense to average assets | 2.3014% | 5,112 |
| Loan and lease loss provision to assets | 0.0436% | 3,696 |
| Net operating income to assets | 0.6828% | 3,978 |
| Return on assets (ROA) | 0.7306% | 3,842 |
| Pretax return on assets | 0.7306% | 4,508 |
| Return on Equity (ROE) | 6.8984% | 3,692 |
| Retained earnings to average equity (ytd only) | 3.0626% | 4,065 |
| Net charge-offs to loans | 0.0889% | 3,218 |
| Credit loss provision to net charge-offs | 78.8462% | 2,890 |
| Earnings coverage of net charge-offs (x) | 13.1346% | 2,302 |
| Efficiency ratio | 76.0098% | 2,507 |
| Assets per employee ($millions) | 4.9716% | 2,356 |
| Cash dividends to net income (ytd only)* | 55.6041% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 4,081 |
| Loan loss allowance to noncurrent loans | 624.7863% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 5,535 |
| Noncurrent loans to loans | 0.1901% | 5,147 |
| Net loans and leases to total assets | 64.3839% | 3,160 |
| Net loans and leases to deposits | 72.4400% | 3,624 |
| Net loans and leases to core deposits | 75.0660% | 3,814 |
| Total domestic deposits to total assets | 88.8789% | 1,300 |
| Equity capital to assets | 10.9210% | 2,981 |
| Core capital (leverage) ratio | 10.8427% | 2,564 |
| Tier 1 risk-based capital ratio | 17.6740% | 2,252 |
| Total risk-based capital ratio | 18.9241% | 2,220 |
| Memoranda: | ||
| Average total assets | $94,028,000 | 4,755 |
| Average earning assets | $86,061,800 | 4,734 |
| Average equity | $9,958,800 | 4,760 |
| Average total loans | $58,505,600 | 4,532 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 3,953 |
| Cost of funding earning assets | 0.8960% | 424 |
| Net interest margin | 3.0566% | 5,369 |
| Noninterest income to average assets | 0.2470% | 5,443 |
| Noninterest expense to average assets | 2.2756% | 5,166 |
| Loan and lease loss provision to assets | 0.0497% | 3,388 |
| Net operating income to assets | 0.7112% | 3,882 |
| Return on assets (ROA) | 0.7694% | 3,675 |
| Pretax return on assets | 0.7694% | 4,467 |
| Return on Equity (ROE) | 7.3221% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.3221% | 1,657 |
| Net charge-offs to loans | 0.0554% | 3,426 |
| Credit loss provision to net charge-offs | 145.8333% | 1,619 |
| Earnings coverage of net charge-offs (x) | 22.3328% | 1,633 |
| Efficiency ratio | 74.9416% | 2,671 |
| Assets per employee ($millions) | 4.9791% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 3,799 |
| Loan loss allowance to noncurrent loans | 378.8945% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 5,380 |
| Noncurrent loans to loans | 0.3356% | 4,895 |
| Net loans and leases to total assets | 61.8782% | 3,504 |
| Net loans and leases to deposits | 69.7030% | 3,953 |
| Net loans and leases to core deposits | 72.7126% | 4,085 |
| Total domestic deposits to total assets | 88.7740% | 1,365 |
| Equity capital to assets | 10.9321% | 3,024 |
| Core capital (leverage) ratio | 11.1547% | 2,348 |
| Tier 1 risk-based capital ratio | 18.5294% | 2,041 |
| Total risk-based capital ratio | 19.7765% | 2,003 |
| Memoranda: | ||
| Average total assets | $93,920,000 | 4,804 |
| Average earning assets | $85,712,750 | 4,796 |
| Average equity | $9,869,500 | 4,815 |
| Average total loans | $57,745,000 | 4,602 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 3,689 |
| Cost of funding earning assets | 0.9053% | 419 |
| Net interest margin | 3.1064% | 5,235 |
| Noninterest income to average assets | 0.2199% | 5,634 |
| Noninterest expense to average assets | 2.2584% | 5,261 |
| Loan and lease loss provision to assets | 0.0555% | 3,184 |
| Net operating income to assets | 0.7407% | 3,618 |
| Return on assets (ROA) | 0.7898% | 3,478 |
| Pretax return on assets | 0.7898% | 4,315 |
| Return on Equity (ROE) | 7.6194% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.6194% | 1,471 |
| Net charge-offs to loans | 0.0035% | 4,267 |
| Credit loss provision to net charge-offs | 2,600.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 187 |
| Efficiency ratio | 73.9343% | 2,980 |
| Assets per employee ($millions) | 4.6921% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 3,741 |
| Loan loss allowance to noncurrent loans | 518.2432% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 5,684 |
| Noncurrent loans to loans | 0.2550% | 5,249 |
| Net loans and leases to total assets | 61.0217% | 3,558 |
| Net loans and leases to deposits | 68.5690% | 3,987 |
| Net loans and leases to core deposits | 71.5415% | 4,094 |
| Total domestic deposits to total assets | 88.9932% | 1,357 |
| Equity capital to assets | 10.7585% | 3,138 |
| Core capital (leverage) ratio | 10.8882% | 2,543 |
| Tier 1 risk-based capital ratio | 18.4557% | 2,084 |
| Total risk-based capital ratio | 19.7007% | 2,041 |
| Memoranda: | ||
| Average total assets | $93,692,670 | 4,831 |
| Average earning assets | $85,499,670 | 4,838 |
| Average equity | $9,712,000 | 4,861 |
| Average total loans | $57,229,330 | 4,649 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,660 |
| Cost of funding earning assets | 0.9106% | 427 |
| Net interest margin | 3.0950% | 5,272 |
| Noninterest income to average assets | 0.2051% | 5,715 |
| Noninterest expense to average assets | 2.2303% | 5,382 |
| Loan and lease loss provision to assets | 0.0641% | 2,839 |
| Net operating income to assets | 0.7135% | 3,612 |
| Return on assets (ROA) | 0.7221% | 3,663 |
| Pretax return on assets | 0.7221% | 4,411 |
| Return on Equity (ROE) | 7.1008% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.1008% | 1,984 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1477% | 3,111 |
| Assets per employee ($millions) | 4.7173% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,973 |
| Loan loss allowance to noncurrent loans | 935.8025% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,996 |
| Noncurrent loans to loans | 0.1418% | 5,672 |
| Net loans and leases to total assets | 59.7460% | 3,603 |
| Net loans and leases to deposits | 66.7685% | 3,998 |
| Net loans and leases to core deposits | 69.8410% | 4,113 |
| Total domestic deposits to total assets | 89.4823% | 1,373 |
| Equity capital to assets | 10.3131% | 3,446 |
| Core capital (leverage) ratio | 10.5715% | 2,846 |
| Tier 1 risk-based capital ratio | 18.3730% | 2,154 |
| Total risk-based capital ratio | 19.6245% | 2,123 |
| Memoranda: | ||
| Average total assets | $93,618,000 | 4,882 |
| Average earning assets | $84,781,500 | 4,896 |
| Average equity | $9,520,000 | 4,930 |
| Average total loans | $56,828,500 | 4,693 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 5,075 |
| Cost of funding earning assets | 0.9732% | 521 |
| Net interest margin | 2.7453% | 6,073 |
| Noninterest income to average assets | 0.2209% | 5,755 |
| Noninterest expense to average assets | 2.1943% | 5,642 |
| Loan and lease loss provision to assets | 0.0480% | 4,169 |
| Net operating income to assets | 0.4835% | 4,802 |
| Return on assets (ROA) | 0.6137% | 4,317 |
| Pretax return on assets | 0.6137% | 4,830 |
| Return on Equity (ROE) | 5.8312% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.7421% | 3,557 |
| Net charge-offs to loans | 0.0505% | 4,514 |
| Credit loss provision to net charge-offs | 166.6667% | 1,366 |
| Earnings coverage of net charge-offs (x) | 18.4444% | 1,650 |
| Efficiency ratio | 80.5012% | 2,075 |
| Assets per employee ($millions) | 4.6445% | 2,662 |
| Cash dividends to net income (ytd only)* | 35.8261% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,069 |
| Loan loss allowance to noncurrent loans | 895.1807% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 6,077 |
| Noncurrent loans to loans | 0.1468% | 5,757 |
| Net loans and leases to total assets | 60.0581% | 3,712 |
| Net loans and leases to deposits | 68.5297% | 3,969 |
| Net loans and leases to core deposits | 71.8020% | 4,096 |
| Total domestic deposits to total assets | 87.6381% | 2,400 |
| Equity capital to assets | 10.0226% | 3,740 |
| Core capital (leverage) ratio | 10.7073% | 2,671 |
| Tier 1 risk-based capital ratio | 18.1458% | 2,200 |
| Total risk-based capital ratio | 19.3975% | 2,161 |
| Memoranda: | ||
| Average total assets | $93,695,400 | 4,893 |
| Average earning assets | $85,491,400 | 4,895 |
| Average equity | $9,860,800 | 4,886 |
| Average total loans | $53,493,000 | 4,833 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 5,417 |
| Cost of funding earning assets | 0.9783% | 556 |
| Net interest margin | 2.6304% | 6,277 |
| Noninterest income to average assets | 0.2102% | 5,918 |
| Noninterest expense to average assets | 2.1825% | 5,640 |
| Loan and lease loss provision to assets | 0.0497% | 4,021 |
| Net operating income to assets | 0.3834% | 5,312 |
| Return on assets (ROA) | 0.5211% | 4,864 |
| Pretax return on assets | 0.5211% | 5,297 |
| Return on Equity (ROE) | 4.8939% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.8939% | 3,156 |
| Net charge-offs to loans | 0.0607% | 4,038 |
| Credit loss provision to net charge-offs | 145.8333% | 1,616 |
| Earnings coverage of net charge-offs (x) | 12.7081% | 2,105 |
| Efficiency ratio | 83.4419% | 1,664 |
| Assets per employee ($millions) | 4.6242% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 4,103 |
| Loan loss allowance to noncurrent loans | 36,800.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,480 |
| Noncurrent loans to loans | 0.0037% | 6,380 |
| Net loans and leases to total assets | 57.8798% | 4,028 |
| Net loans and leases to deposits | 64.8326% | 4,429 |
| Net loans and leases to core deposits | 67.6657% | 4,556 |
| Total domestic deposits to total assets | 89.2759% | 1,421 |
| Equity capital to assets | 10.3933% | 3,398 |
| Core capital (leverage) ratio | 10.6682% | 2,820 |
| Tier 1 risk-based capital ratio | 18.9198% | 2,014 |
| Total risk-based capital ratio | 20.1716% | 1,973 |
| Memoranda: | ||
| Average total assets | $93,896,750 | 4,938 |
| Average earning assets | $85,865,000 | 4,931 |
| Average equity | $9,998,500 | 4,907 |
| Average total loans | $52,733,500 | 4,895 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 5,442 |
| Cost of funding earning assets | 0.9940% | 559 |
| Net interest margin | 2.6034% | 6,332 |
| Noninterest income to average assets | 0.1505% | 6,298 |
| Noninterest expense to average assets | 2.1681% | 5,706 |
| Loan and lease loss provision to assets | 0.0636% | 3,743 |
| Net operating income to assets | 0.2946% | 5,619 |
| Return on assets (ROA) | 0.4832% | 5,044 |
| Pretax return on assets | 0.4832% | 5,425 |
| Return on Equity (ROE) | 4.5027% | 5,001 |
| Retained earnings to average equity (ytd only) | 4.5027% | 3,404 |
| Net charge-offs to loans | 0.0689% | 3,727 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 9.3889% | 2,291 |
| Efficiency ratio | 85.8221% | 1,431 |
| Assets per employee ($millions) | 4.9692% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 4,010 |
| Loan loss allowance to noncurrent loans | 6,141.6667% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 6,514 |
| Noncurrent loans to loans | 0.0229% | 6,347 |
| Net loans and leases to total assets | 54.7635% | 4,482 |
| Net loans and leases to deposits | 61.3964% | 4,814 |
| Net loans and leases to core deposits | 64.6216% | 4,831 |
| Total domestic deposits to total assets | 89.1966% | 1,507 |
| Equity capital to assets | 10.5195% | 3,276 |
| Core capital (leverage) ratio | 10.3499% | 3,047 |
| Tier 1 risk-based capital ratio | 19.1799% | 1,944 |
| Total risk-based capital ratio | 20.4315% | 1,914 |
| Memoranda: | ||
| Average total assets | $94,368,000 | 4,956 |
| Average earning assets | $86,119,330 | 4,950 |
| Average equity | $10,127,330 | 4,909 |
| Average total loans | $52,223,000 | 4,943 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5744% | 5,518 |
| Cost of funding earning assets | 0.9955% | 631 |
| Net interest margin | 2.5790% | 6,405 |
| Noninterest income to average assets | 0.0424% | 6,756 |
| Noninterest expense to average assets | 2.1962% | 5,696 |
| Loan and lease loss provision to assets | 0.0636% | 3,568 |
| Net operating income to assets | 0.1442% | 6,059 |
| Return on assets (ROA) | 0.5045% | 4,782 |
| Pretax return on assets | 0.5045% | 5,238 |
| Return on Equity (ROE) | 4.6553% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.6553% | 3,442 |
| Net charge-offs to loans | 0.0844% | 2,999 |
| Credit loss provision to net charge-offs | 136.3636% | 1,457 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 2,552 |
| Efficiency ratio | 91.3580% | 1,038 |
| Assets per employee ($millions) | 4.9944% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,242 |
| Loan loss allowance to noncurrent loans | 72,900.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 6,658 |
| Noncurrent loans to loans | 0.0019% | 6,528 |
| Net loans and leases to total assets | 54.1836% | 4,381 |
| Net loans and leases to deposits | 60.8882% | 4,698 |
| Net loans and leases to core deposits | 64.2841% | 4,715 |
| Total domestic deposits to total assets | 88.9888% | 1,694 |
| Equity capital to assets | 10.7783% | 3,218 |
| Core capital (leverage) ratio | 10.2598% | 3,062 |
| Tier 1 risk-based capital ratio | 19.1528% | 1,999 |
| Total risk-based capital ratio | 20.4048% | 1,971 |
| Memoranda: | ||
| Average total assets | $94,344,500 | 4,994 |
| Average earning assets | $86,391,500 | 4,977 |
| Average equity | $10,225,000 | 4,943 |
| Average total loans | $52,113,500 | 4,979 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 5,481 |
| Cost of funding earning assets | 1.0672% | 1,039 |
| Net interest margin | 2.8669% | 6,286 |
| Noninterest income to average assets | 0.2425% | 5,714 |
| Noninterest expense to average assets | 2.0389% | 6,258 |
| Loan and lease loss provision to assets | 0.0933% | 4,504 |
| Net operating income to assets | 0.7813% | 3,365 |
| Return on assets (ROA) | 0.8252% | 3,419 |
| Pretax return on assets | 0.8252% | 4,204 |
| Return on Equity (ROE) | 7.3836% | 3,415 |
| Retained earnings to average equity (ytd only) | 1.1291% | 5,311 |
| Net charge-offs to loans | 0.0304% | 5,480 |
| Credit loss provision to net charge-offs | 566.6667% | 435 |
| Earnings coverage of net charge-offs (x) | 53.1333% | 655 |
| Efficiency ratio | 69.9812% | 3,821 |
| Assets per employee ($millions) | 4.9366% | 2,308 |
| Cash dividends to net income (ytd only)* | 84.7074% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 4,205 |
| Loan loss allowance to noncurrent loans | 72,500.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 6,719 |
| Noncurrent loans to loans | 0.0019% | 6,593 |
| Net loans and leases to total assets | 54.7535% | 4,497 |
| Net loans and leases to deposits | 61.5986% | 4,829 |
| Net loans and leases to core deposits | 66.1242% | 4,727 |
| Total domestic deposits to total assets | 88.8875% | 1,647 |
| Equity capital to assets | 10.8982% | 3,068 |
| Core capital (leverage) ratio | 10.3452% | 2,952 |
| Tier 1 risk-based capital ratio | 19.2447% | 1,880 |
| Total risk-based capital ratio | 20.4962% | 1,857 |
| Memoranda: | ||
| Average total assets | $91,127,200 | 5,054 |
| Average earning assets | $84,898,600 | 4,991 |
| Average equity | $10,184,800 | 4,941 |
| Average total loans | $49,405,800 | 5,131 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 5,503 |
| Cost of funding earning assets | 1.0739% | 1,176 |
| Net interest margin | 2.9315% | 6,305 |
| Noninterest income to average assets | 0.2417% | 5,818 |
| Noninterest expense to average assets | 2.0502% | 6,268 |
| Loan and lease loss provision to assets | 0.1105% | 4,187 |
| Net operating income to assets | 0.8210% | 3,340 |
| Return on assets (ROA) | 0.8372% | 3,520 |
| Pretax return on assets | 0.8372% | 4,351 |
| Return on Equity (ROE) | 7.4425% | 3,564 |
| Retained earnings to average equity (ytd only) | 7.1674% | 2,026 |
| Net charge-offs to loans | 0.0383% | 5,115 |
| Credit loss provision to net charge-offs | 535.7143% | 501 |
| Earnings coverage of net charge-offs (x) | 45.1339% | 810 |
| Efficiency ratio | 68.7593% | 3,918 |
| Assets per employee ($millions) | 4.8567% | 2,372 |
| Cash dividends to net income (ytd only)* | 3.6973% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 4,222 |
| Loan loss allowance to noncurrent loans | 238.6667% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 5,880 |
| Noncurrent loans to loans | 0.6011% | 5,237 |
| Net loans and leases to total assets | 53.3117% | 4,854 |
| Net loans and leases to deposits | 60.4569% | 5,151 |
| Net loans and leases to core deposits | 63.3401% | 5,223 |
| Total domestic deposits to total assets | 88.1814% | 1,933 |
| Equity capital to assets | 11.5271% | 2,719 |
| Core capital (leverage) ratio | 11.0017% | 2,379 |
| Tier 1 risk-based capital ratio | 20.8739% | 1,558 |
| Total risk-based capital ratio | 22.1203% | 1,523 |
| Memoranda: | ||
| Average total assets | $90,460,250 | 5,125 |
| Average earning assets | $84,551,000 | 5,055 |
| Average equity | $10,175,500 | 4,985 |
| Average total loans | $48,737,000 | 5,209 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 5,211 |
| Cost of funding earning assets | 1.0908% | 1,256 |
| Net interest margin | 3.0365% | 6,157 |
| Noninterest income to average assets | 0.2181% | 6,006 |
| Noninterest expense to average assets | 2.0544% | 6,323 |
| Loan and lease loss provision to assets | 0.1335% | 3,858 |
| Net operating income to assets | 0.8681% | 3,052 |
| Return on assets (ROA) | 0.8926% | 3,208 |
| Pretax return on assets | 0.8926% | 4,106 |
| Return on Equity (ROE) | 8.0027% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.5836% | 1,826 |
| Net charge-offs to loans | 0.0165% | 5,183 |
| Credit loss provision to net charge-offs | 1,500.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 384 |
| Efficiency ratio | 67.2251% | 4,284 |
| Assets per employee ($millions) | 4.8049% | 2,435 |
| Cash dividends to net income (ytd only)* | 5.2369% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 4,060 |
| Loan loss allowance to noncurrent loans | 240.6780% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 5,951 |
| Noncurrent loans to loans | 0.6185% | 5,276 |
| Net loans and leases to total assets | 51.4705% | 5,162 |
| Net loans and leases to deposits | 58.1950% | 5,426 |
| Net loans and leases to core deposits | 61.1955% | 5,474 |
| Total domestic deposits to total assets | 88.4449% | 1,857 |
| Equity capital to assets | 11.3075% | 2,781 |
| Core capital (leverage) ratio | 10.8095% | 2,471 |
| Tier 1 risk-based capital ratio | 21.7913% | 1,332 |
| Total risk-based capital ratio | 23.0455% | 1,308 |
| Memoranda: | ||
| Average total assets | $89,854,330 | 5,173 |
| Average earning assets | $83,978,670 | 5,101 |
| Average equity | $10,021,670 | 5,026 |
| Average total loans | $48,345,670 | 5,259 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 4,949 |
| Cost of funding earning assets | 1.1018% | 1,402 |
| Net interest margin | 3.1419% | 5,927 |
| Noninterest income to average assets | 0.2154% | 6,078 |
| Noninterest expense to average assets | 2.0733% | 6,328 |
| Loan and lease loss provision to assets | 0.1346% | 3,665 |
| Net operating income to assets | 0.9379% | 2,760 |
| Return on assets (ROA) | 0.9603% | 2,840 |
| Pretax return on assets | 0.9603% | 3,829 |
| Return on Equity (ROE) | 8.6719% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.6719% | 1,709 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9058% | 4,569 |
| Assets per employee ($millions) | 5.0925% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 4,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 52.0897% | 5,014 |
| Net loans and leases to deposits | 58.5606% | 5,314 |
| Net loans and leases to core deposits | 61.7410% | 5,353 |
| Total domestic deposits to total assets | 88.9500% | 1,725 |
| Equity capital to assets | 10.8307% | 3,105 |
| Core capital (leverage) ratio | 10.8237% | 2,418 |
| Tier 1 risk-based capital ratio | 20.9983% | 1,497 |
| Total risk-based capital ratio | 22.2450% | 1,466 |
| Memoranda: | ||
| Average total assets | $89,135,000 | 5,238 |
| Average earning assets | $83,133,500 | 5,170 |
| Average equity | $9,871,000 | 5,073 |
| Average total loans | $48,669,000 | 5,283 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 4,629 |
| Cost of funding earning assets | 1.1874% | 2,109 |
| Net interest margin | 3.4248% | 5,405 |
| Noninterest income to average assets | 0.2212% | 5,946 |
| Noninterest expense to average assets | 2.2048% | 6,258 |
| Loan and lease loss provision to assets | 0.1416% | 4,844 |
| Net operating income to assets | 1.0813% | 1,890 |
| Return on assets (ROA) | 1.2171% | 1,575 |
| Pretax return on assets | 1.2171% | 2,398 |
| Return on Equity (ROE) | 10.9702% | 1,703 |
| Retained earnings to average equity (ytd only) | 3.8396% | 3,479 |
| Net charge-offs to loans | 0.0922% | 5,419 |
| Credit loss provision to net charge-offs | 288.0952% | 823 |
| Earnings coverage of net charge-offs (x) | 24.8810% | 985 |
| Efficiency ratio | 64.3223% | 5,067 |
| Assets per employee ($millions) | 4.5582% | 2,817 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,723 |
| Loan loss allowance to noncurrent loans | 236.1011% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 6,176 |
| Noncurrent loans to loans | 0.5664% | 5,581 |
| Net loans and leases to total assets | 55.7150% | 4,759 |
| Net loans and leases to deposits | 62.9930% | 5,121 |
| Net loans and leases to core deposits | 66.1594% | 5,239 |
| Total domestic deposits to total assets | 88.4464% | 1,883 |
| Equity capital to assets | 11.3319% | 2,660 |
| Core capital (leverage) ratio | 10.9457% | 2,311 |
| Tier 1 risk-based capital ratio | 20.1347% | 1,608 |
| Total risk-based capital ratio | 21.3681% | 1,579 |
| Memoranda: | ||
| Average total assets | $85,451,000 | 5,298 |
| Average earning assets | $80,004,600 | 5,232 |
| Average equity | $9,480,200 | 5,160 |
| Average total loans | $45,547,400 | 5,441 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 4,739 |
| Cost of funding earning assets | 1.2141% | 2,234 |
| Net interest margin | 3.4175% | 5,517 |
| Noninterest income to average assets | 0.2223% | 6,031 |
| Noninterest expense to average assets | 2.2153% | 6,240 |
| Loan and lease loss provision to assets | 0.1738% | 4,294 |
| Net operating income to assets | 1.0239% | 2,236 |
| Return on assets (ROA) | 1.2008% | 1,763 |
| Pretax return on assets | 1.2008% | 2,631 |
| Return on Equity (ROE) | 10.8829% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.8829% | 653 |
| Net charge-offs to loans | 0.1282% | 4,765 |
| Credit loss provision to net charge-offs | 258.1395% | 1,106 |
| Earnings coverage of net charge-offs (x) | 17.7912% | 1,331 |
| Efficiency ratio | 64.9083% | 4,914 |
| Assets per employee ($millions) | 4.5607% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,764 |
| Loan loss allowance to noncurrent loans | 129.1751% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 5,684 |
| Noncurrent loans to loans | 1.0472% | 4,809 |
| Net loans and leases to total assets | 54.0281% | 5,156 |
| Net loans and leases to deposits | 61.4654% | 5,465 |
| Net loans and leases to core deposits | 64.5680% | 5,558 |
| Total domestic deposits to total assets | 87.9000% | 2,089 |
| Equity capital to assets | 11.8069% | 2,408 |
| Core capital (leverage) ratio | 11.4430% | 2,065 |
| Tier 1 risk-based capital ratio | 21.2657% | 1,410 |
| Total risk-based capital ratio | 22.5172% | 1,388 |
| Memoranda: | ||
| Average total assets | $85,162,500 | 5,349 |
| Average earning assets | $79,511,000 | 5,282 |
| Average equity | $9,396,750 | 5,207 |
| Average total loans | $44,707,750 | 5,531 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 4,819 |
| Cost of funding earning assets | 1.2458% | 2,280 |
| Net interest margin | 3.3894% | 5,591 |
| Noninterest income to average assets | 0.2173% | 6,114 |
| Noninterest expense to average assets | 2.2299% | 6,305 |
| Loan and lease loss provision to assets | 0.2622% | 3,301 |
| Net operating income to assets | 0.9000% | 2,639 |
| Return on assets (ROA) | 1.0417% | 2,159 |
| Pretax return on assets | 1.0417% | 3,070 |
| Return on Equity (ROE) | 9.6725% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.6725% | 922 |
| Net charge-offs to loans | 0.1873% | 4,037 |
| Credit loss provision to net charge-offs | 270.7317% | 1,122 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,658 |
| Efficiency ratio | 65.7382% | 4,925 |
| Assets per employee ($millions) | 4.2895% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 4,195 |
| Loan loss allowance to noncurrent loans | 196.3415% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 5,936 |
| Noncurrent loans to loans | 0.7568% | 5,395 |
| Net loans and leases to total assets | 49.7669% | 5,853 |
| Net loans and leases to deposits | 56.2413% | 6,109 |
| Net loans and leases to core deposits | 59.0844% | 6,185 |
| Total domestic deposits to total assets | 88.4882% | 1,863 |
| Equity capital to assets | 11.2659% | 2,711 |
| Core capital (leverage) ratio | 11.0262% | 2,223 |
| Tier 1 risk-based capital ratio | 21.9168% | 1,267 |
| Total risk-based capital ratio | 23.1699% | 1,241 |
| Memoranda: | ||
| Average total assets | $84,665,670 | 5,405 |
| Average earning assets | $79,305,000 | 5,335 |
| Average equity | $9,118,670 | 5,292 |
| Average total loans | $43,790,670 | 5,619 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 5,153 |
| Cost of funding earning assets | 1.2875% | 2,256 |
| Net interest margin | 3.2671% | 5,882 |
| Noninterest income to average assets | 0.1807% | 6,428 |
| Noninterest expense to average assets | 2.2496% | 6,305 |
| Loan and lease loss provision to assets | 0.5279% | 1,646 |
| Net operating income to assets | 0.4566% | 4,683 |
| Return on assets (ROA) | 0.5707% | 4,254 |
| Pretax return on assets | 0.5707% | 4,796 |
| Return on Equity (ROE) | 5.4265% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.4265% | 2,947 |
| Net charge-offs to loans | 0.3817% | 2,544 |
| Credit loss provision to net charge-offs | 264.2857% | 1,189 |
| Earnings coverage of net charge-offs (x) | 4.9286% | 2,366 |
| Efficiency ratio | 69.5588% | 4,363 |
| Assets per employee ($millions) | 4.2926% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 4,331 |
| Loan loss allowance to noncurrent loans | 196.0366% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 5,914 |
| Noncurrent loans to loans | 0.7514% | 5,520 |
| Net loans and leases to total assets | 50.0949% | 5,837 |
| Net loans and leases to deposits | 55.9885% | 6,125 |
| Net loans and leases to core deposits | 59.5937% | 6,128 |
| Total domestic deposits to total assets | 89.4736% | 1,497 |
| Equity capital to assets | 10.3016% | 3,413 |
| Core capital (leverage) ratio | 10.8595% | 2,304 |
| Tier 1 risk-based capital ratio | 20.8932% | 1,415 |
| Total risk-based capital ratio | 22.1367% | 1,395 |
| Memoranda: | ||
| Average total assets | $84,103,500 | 5,466 |
| Average earning assets | $78,602,500 | 5,399 |
| Average equity | $8,845,500 | 5,372 |
| Average total loans | $44,016,500 | 5,652 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 4,509 |
| Cost of funding earning assets | 1.5282% | 2,490 |
| Net interest margin | 3.4821% | 5,314 |
| Noninterest income to average assets | 0.2631% | 5,906 |
| Noninterest expense to average assets | 2.4354% | 5,995 |
| Loan and lease loss provision to assets | 0.2052% | 5,190 |
| Net operating income to assets | 0.8513% | 2,585 |
| Return on assets (ROA) | 1.1223% | 1,715 |
| Pretax return on assets | 1.1223% | 2,497 |
| Return on Equity (ROE) | 9.2148% | 2,214 |
| Retained earnings to average equity (ytd only) | 0.9074% | 5,093 |
| Net charge-offs to loans | 0.1586% | 5,396 |
| Credit loss provision to net charge-offs | 232.8358% | 1,262 |
| Earnings coverage of net charge-offs (x) | 11.9851% | 1,549 |
| Efficiency ratio | 69.7438% | 4,231 |
| Assets per employee ($millions) | 4.1178% | 3,540 |
| Cash dividends to net income (ytd only)* | 90.1524% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 5,028 |
| Loan loss allowance to noncurrent loans | 299.4792% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 6,385 |
| Noncurrent loans to loans | 0.4326% | 6,178 |
| Net loans and leases to total assets | 53.1935% | 5,754 |
| Net loans and leases to deposits | 59.7450% | 6,082 |
| Net loans and leases to core deposits | 63.1667% | 6,131 |
| Total domestic deposits to total assets | 89.0342% | 1,642 |
| Equity capital to assets | 10.7424% | 2,908 |
| Core capital (leverage) ratio | 11.0667% | 2,111 |
| Tier 1 risk-based capital ratio | 20.5832% | 1,387 |
| Total risk-based capital ratio | 21.8333% | 1,371 |
| Memoranda: | ||
| Average total assets | $76,005,200 | 5,716 |
| Average earning assets | $70,474,200 | 5,650 |
| Average equity | $9,256,800 | 5,340 |
| Average total loans | $42,247,200 | 5,821 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0574% | 4,557 |
| Cost of funding earning assets | 1.5683% | 2,555 |
| Net interest margin | 3.4890% | 5,340 |
| Noninterest income to average assets | 0.2526% | 6,089 |
| Noninterest expense to average assets | 2.4116% | 5,997 |
| Loan and lease loss provision to assets | 0.2096% | 4,970 |
| Net operating income to assets | 0.8600% | 2,780 |
| Return on assets (ROA) | 1.2112% | 1,646 |
| Pretax return on assets | 1.2112% | 2,449 |
| Return on Equity (ROE) | 9.6302% | 2,278 |
| Retained earnings to average equity (ytd only) | 7.0516% | 1,814 |
| Net charge-offs to loans | 0.2078% | 4,699 |
| Credit loss provision to net charge-offs | 180.0000% | 2,032 |
| Earnings coverage of net charge-offs (x) | 9.1851% | 2,054 |
| Efficiency ratio | 69.2743% | 4,210 |
| Assets per employee ($millions) | 3.6168% | 4,695 |
| Cash dividends to net income (ytd only)* | 26.7755% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 5,112 |
| Loan loss allowance to noncurrent loans | 10,760.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 7,040 |
| Noncurrent loans to loans | 0.0118% | 7,240 |
| Net loans and leases to total assets | 52.5562% | 6,033 |
| Net loans and leases to deposits | 60.1859% | 6,299 |
| Net loans and leases to core deposits | 63.8253% | 6,313 |
| Total domestic deposits to total assets | 87.3231% | 2,360 |
| Equity capital to assets | 12.3677% | 1,931 |
| Core capital (leverage) ratio | 12.0580% | 1,639 |
| Tier 1 risk-based capital ratio | 21.8063% | 1,234 |
| Total risk-based capital ratio | 23.0456% | 1,212 |
| Memoranda: | ||
| Average total assets | $74,417,500 | 5,821 |
| Average earning assets | $68,861,500 | 5,777 |
| Average equity | $9,359,250 | 5,390 |
| Average total loans | $41,713,250 | 5,929 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 5,457 |
| Cost of funding earning assets | 1.5998% | 2,655 |
| Net interest margin | 3.2860% | 6,061 |
| Noninterest income to average assets | 0.2366% | 6,213 |
| Noninterest expense to average assets | 2.3521% | 6,210 |
| Loan and lease loss provision to assets | 0.2146% | 4,745 |
| Net operating income to assets | 0.7043% | 3,387 |
| Return on assets (ROA) | 1.0124% | 2,219 |
| Pretax return on assets | 1.0124% | 3,069 |
| Return on Equity (ROE) | 8.0012% | 2,887 |
| Retained earnings to average equity (ytd only) | 5.3269% | 2,709 |
| Net charge-offs to loans | 0.3181% | 3,732 |
| Credit loss provision to net charge-offs | 118.1818% | 3,438 |
| Earnings coverage of net charge-offs (x) | 5.0606% | 2,760 |
| Efficiency ratio | 71.9092% | 3,833 |
| Assets per employee ($millions) | 3.8457% | 4,112 |
| Cash dividends to net income (ytd only)* | 33.4239% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 5,429 |
| Loan loss allowance to noncurrent loans | 76.9706% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 5,205 |
| Noncurrent loans to loans | 1.5661% | 4,361 |
| Net loans and leases to total assets | 53.0671% | 6,102 |
| Net loans and leases to deposits | 60.7833% | 6,334 |
| Net loans and leases to core deposits | 64.3603% | 6,373 |
| Total domestic deposits to total assets | 87.3053% | 2,374 |
| Equity capital to assets | 12.3879% | 1,877 |
| Core capital (leverage) ratio | 12.3893% | 1,455 |
| Tier 1 risk-based capital ratio | 21.7631% | 1,240 |
| Total risk-based capital ratio | 22.9391% | 1,221 |
| Memoranda: | ||
| Average total assets | $72,700,000 | 5,900 |
| Average earning assets | $67,134,000 | 5,857 |
| Average equity | $9,198,670 | 5,445 |
| Average total loans | $41,498,670 | 5,982 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 5,400 |
| Cost of funding earning assets | 1.6270% | 2,790 |
| Net interest margin | 3.2849% | 6,029 |
| Noninterest income to average assets | 0.1870% | 6,623 |
| Noninterest expense to average assets | 2.3118% | 6,345 |
| Loan and lease loss provision to assets | 0.2210% | 4,289 |
| Net operating income to assets | 0.6743% | 3,553 |
| Return on assets (ROA) | 1.0539% | 2,054 |
| Pretax return on assets | 1.0539% | 2,895 |
| Return on Equity (ROE) | 8.2356% | 2,761 |
| Retained earnings to average equity (ytd only) | 2.7895% | 4,461 |
| Net charge-offs to loans | 0.2212% | 3,605 |
| Credit loss provision to net charge-offs | 169.5652% | 2,146 |
| Earnings coverage of net charge-offs (x) | 6.8696% | 2,156 |
| Efficiency ratio | 72.0848% | 3,914 |
| Assets per employee ($millions) | 4.0591% | 3,734 |
| Cash dividends to net income (ytd only)* | 66.1290% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 5,463 |
| Loan loss allowance to noncurrent loans | 58.8511% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.1675% | 4,840 |
| Noncurrent loans to loans | 2.0528% | 3,715 |
| Net loans and leases to total assets | 56.1864% | 5,719 |
| Net loans and leases to deposits | 64.3368% | 6,025 |
| Net loans and leases to core deposits | 68.9602% | 6,007 |
| Total domestic deposits to total assets | 87.3317% | 2,444 |
| Equity capital to assets | 12.3837% | 1,821 |
| Core capital (leverage) ratio | 12.7507% | 1,309 |
| Tier 1 risk-based capital ratio | 21.6835% | 1,241 |
| Total risk-based capital ratio | 22.8884% | 1,233 |
| Memoranda: | ||
| Average total assets | $70,593,000 | 6,031 |
| Average earning assets | $64,903,500 | 6,004 |
| Average equity | $9,034,000 | 5,537 |
| Average total loans | $41,591,000 | 6,043 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0469% | 1,683 |
| Cost of funding earning assets | 2.0179% | 2,882 |
| Net interest margin | 4.0290% | 2,749 |
| Noninterest income to average assets | 0.2686% | 6,194 |
| Noninterest expense to average assets | 2.8429% | 4,776 |
| Loan and lease loss provision to assets | 0.2073% | 5,685 |
| Net operating income to assets | 0.9377% | 2,061 |
| Return on assets (ROA) | 1.4466% | 829 |
| Pretax return on assets | 1.4466% | 1,319 |
| Return on Equity (ROE) | 10.3161% | 1,604 |
| Retained earnings to average equity (ytd only) | 4.1108% | 2,335 |
| Net charge-offs to loans | 0.2034% | 5,364 |
| Credit loss provision to net charge-offs | 169.2308% | 2,527 |
| Earnings coverage of net charge-offs (x) | 9.3462% | 1,816 |
| Efficiency ratio | 71.2879% | 4,387 |
| Assets per employee ($millions) | 3.5854% | 4,816 |
| Cash dividends to net income (ytd only)* | 60.1520% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,544 |
| Loan loss allowance to noncurrent loans | 163.6364% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 6,369 |
| Noncurrent loans to loans | 0.7135% | 5,820 |
| Net loans and leases to total assets | 60.3946% | 5,275 |
| Net loans and leases to deposits | 69.8079% | 5,632 |
| Net loans and leases to core deposits | 87.9347% | 5,338 |
| Total domestic deposits to total assets | 86.5154% | 2,756 |
| Equity capital to assets | 13.2410% | 1,418 |
| Core capital (leverage) ratio | 13.4668% | 1,100 |
| Tier 1 risk-based capital ratio | 21.4960% | 1,215 |
| Total risk-based capital ratio | 22.6604% | 1,204 |
| Memoranda: | ||
| Average total assets | $63,667,400 | 6,212 |
| Average earning assets | $58,774,000 | 6,181 |
| Average equity | $8,927,800 | 5,627 |
| Average total loans | $38,350,800 | 6,185 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0838% | 1,710 |
| Cost of funding earning assets | 2.1085% | 2,851 |
| Net interest margin | 3.9753% | 2,916 |
| Noninterest income to average assets | 0.2494% | 6,455 |
| Noninterest expense to average assets | 2.9265% | 4,330 |
| Loan and lease loss provision to assets | 0.1982% | 5,404 |
| Net operating income to assets | 0.8057% | 2,786 |
| Return on assets (ROA) | 1.3513% | 1,183 |
| Pretax return on assets | 1.3513% | 1,822 |
| Return on Equity (ROE) | 9.4928% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.4928% | 734 |
| Net charge-offs to loans | 0.2984% | 4,163 |
| Credit loss provision to net charge-offs | 110.7143% | 4,594 |
| Earnings coverage of net charge-offs (x) | 5.6070% | 2,777 |
| Efficiency ratio | 74.4577% | 3,791 |
| Assets per employee ($millions) | 3.2358% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,800 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 7,566 |
| Noncurrent loans to loans | 0.0173% | 7,485 |
| Net loans and leases to total assets | 61.9383% | 5,255 |
| Net loans and leases to deposits | 72.9437% | 5,516 |
| Net loans and leases to core deposits | 88.7089% | 5,561 |
| Total domestic deposits to total assets | 84.9125% | 3,281 |
| Equity capital to assets | 14.6254% | 1,110 |
| Core capital (leverage) ratio | 14.2930% | 1,009 |
| Tier 1 risk-based capital ratio | 22.9337% | 1,119 |
| Total risk-based capital ratio | 24.0283% | 1,109 |
| Memoranda: | ||
| Average total assets | $62,553,750 | 6,294 |
| Average earning assets | $57,922,750 | 6,256 |
| Average equity | $8,904,750 | 5,682 |
| Average total loans | $37,531,500 | 6,258 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 1,873 |
| Cost of funding earning assets | 2.1691% | 2,941 |
| Net interest margin | 3.9073% | 3,085 |
| Noninterest income to average assets | 0.2135% | 6,774 |
| Noninterest expense to average assets | 2.9499% | 4,291 |
| Loan and lease loss provision to assets | 0.1747% | 5,303 |
| Net operating income to assets | 0.6954% | 3,275 |
| Return on assets (ROA) | 1.2744% | 1,376 |
| Pretax return on assets | 1.2744% | 2,097 |
| Return on Equity (ROE) | 9.0388% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.0388% | 924 |
| Net charge-offs to loans | 0.3285% | 3,539 |
| Credit loss provision to net charge-offs | 90.0000% | 4,924 |
| Earnings coverage of net charge-offs (x) | 4.4833% | 3,086 |
| Efficiency ratio | 77.2227% | 3,471 |
| Assets per employee ($millions) | 3.4001% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,210 |
| Loan loss allowance to noncurrent loans | 4,250.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 7,463 |
| Noncurrent loans to loans | 0.0273% | 7,471 |
| Net loans and leases to total assets | 56.1400% | 6,189 |
| Net loans and leases to deposits | 65.3860% | 6,448 |
| Net loans and leases to core deposits | 78.8584% | 6,492 |
| Total domestic deposits to total assets | 85.8594% | 2,858 |
| Equity capital to assets | 13.7552% | 1,401 |
| Core capital (leverage) ratio | 14.1525% | 1,105 |
| Tier 1 risk-based capital ratio | 24.0236% | 1,033 |
| Total risk-based capital ratio | 25.1582% | 1,024 |
| Memoranda: | ||
| Average total assets | $61,833,000 | 6,380 |
| Average earning assets | $57,073,330 | 6,347 |
| Average equity | $8,718,000 | 5,771 |
| Average total loans | $36,533,670 | 6,374 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0910% | 1,973 |
| Cost of funding earning assets | 2.2097% | 3,120 |
| Net interest margin | 3.8813% | 3,130 |
| Noninterest income to average assets | 0.1853% | 6,967 |
| Noninterest expense to average assets | 2.8520% | 4,329 |
| Loan and lease loss provision to assets | 0.1390% | 5,179 |
| Net operating income to assets | 0.7742% | 3,239 |
| Return on assets (ROA) | 1.1514% | 1,920 |
| Pretax return on assets | 1.1514% | 2,795 |
| Return on Equity (ROE) | 8.0612% | 3,122 |
| Retained earnings to average equity (ytd only) | 8.0612% | 1,790 |
| Net charge-offs to loans | 0.0768% | 4,408 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 19.7143% | 1,410 |
| Efficiency ratio | 75.7469% | 3,529 |
| Assets per employee ($millions) | 3.3097% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 4,715 |
| Loan loss allowance to noncurrent loans | 517.4419% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 7,174 |
| Noncurrent loans to loans | 0.2345% | 6,862 |
| Net loans and leases to total assets | 57.6195% | 6,004 |
| Net loans and leases to deposits | 66.9636% | 6,279 |
| Net loans and leases to core deposits | 81.4467% | 6,269 |
| Total domestic deposits to total assets | 86.0460% | 2,691 |
| Equity capital to assets | 13.6153% | 1,489 |
| Core capital (leverage) ratio | 14.5405% | 1,072 |
| Tier 1 risk-based capital ratio | 24.4493% | 1,025 |
| Total risk-based capital ratio | 25.6885% | 1,006 |
| Memoranda: | ||
| Average total assets | $60,449,000 | 6,455 |
| Average earning assets | $55,754,000 | 6,425 |
| Average equity | $8,634,000 | 5,836 |
| Average total loans | $36,454,500 | 6,416 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1540% | 4,756 |
| Cost of funding earning assets | 2.4559% | 4,441 |
| Net interest margin | 3.6981% | 4,480 |
| Noninterest income to average assets | 0.1865% | 7,112 |
| Noninterest expense to average assets | 2.9683% | 4,189 |
| Loan and lease loss provision to assets | 0.0586% | 6,678 |
| Net operating income to assets | 0.6182% | 4,232 |
| Return on assets (ROA) | 0.6235% | 4,064 |
| Pretax return on assets | 0.6235% | 4,617 |
| Return on Equity (ROE) | 4.0426% | 4,806 |
| Retained earnings to average equity (ytd only) | -0.8523% | 5,552 |
| Net charge-offs to loans | 0.0257% | 6,476 |
| Credit loss provision to net charge-offs | 366.6667% | 1,203 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 873 |
| Efficiency ratio | 81.4327% | 2,387 |
| Assets per employee ($millions) | 3.0533% | 5,922 |
| Cash dividends to net income (ytd only)* | 121.0826% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 4,626 |
| Loan loss allowance to noncurrent loans | 1,486.2069% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 7,381 |
| Noncurrent loans to loans | 0.0800% | 7,182 |
| Net loans and leases to total assets | 61.7086% | 5,666 |
| Net loans and leases to deposits | 72.8718% | 5,962 |
| Net loans and leases to core deposits | 83.7149% | 6,317 |
| Total domestic deposits to total assets | 84.6810% | 2,986 |
| Equity capital to assets | 15.0070% | 1,159 |
| Core capital (leverage) ratio | 14.9793% | 1,042 |
| Tier 1 risk-based capital ratio | 24.4801% | 1,034 |
| Total risk-based capital ratio | 25.7062% | 1,017 |
| Memoranda: | ||
| Average total assets | $56,294,400 | 6,513 |
| Average earning assets | $52,648,600 | 6,478 |
| Average equity | $8,682,600 | 5,848 |
| Average total loans | $34,990,400 | 6,427 |