Home > Cornerstone Bank > Performance and Condition Ratios
Cornerstone Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 2,424 |
| Cost of funding earning assets | 0.2210% | 3,415 |
| Net interest margin | 3.4269% | 2,082 |
| Noninterest income to average assets | 0.4689% | 2,757 |
| Noninterest expense to average assets | 2.9295% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6640% | 3,858 |
| Return on assets (ROA) | 0.7006% | 3,831 |
| Pretax return on assets | 0.8334% | 3,831 |
| Return on Equity (ROE) | 7.3490% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.3490% | 2,293 |
| Net charge-offs to loans | -0.0082% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7635% | 822 |
| Assets per employee ($millions) | 5.0751% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,157 |
| Loan loss allowance to noncurrent loans | 543.5897% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 3,593 |
| Noncurrent loans to loans | 0.1653% | 3,292 |
| Net loans and leases to total assets | 46.0624% | 3,789 |
| Net loans and leases to deposits | 51.2478% | 3,937 |
| Net loans and leases to core deposits | 52.4778% | 4,013 |
| Total domestic deposits to total assets | 89.8816% | 818 |
| Equity capital to assets | 8.9791% | 3,850 |
| Core capital (leverage) ratio | 8.1337% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7276% | 1,713 |
| Memoranda: | ||
| Average total assets | $235,987,750 | 2,842 |
| Average earning assets | $223,833,500 | 2,815 |
| Average equity | $22,496,750 | 3,056 |
| Average total loans | $113,499,500 | 3,058 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 1,942 |
| Cost of funding earning assets | 0.2245% | 3,518 |
| Net interest margin | 3.6278% | 1,526 |
| Noninterest income to average assets | 0.4338% | 2,939 |
| Noninterest expense to average assets | 2.8488% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8414% | 3,390 |
| Return on assets (ROA) | 0.8963% | 3,313 |
| Pretax return on assets | 1.0936% | 3,236 |
| Return on Equity (ROE) | 9.2051% | 3,038 |
| Retained earnings to average equity (ytd only) | 9.2051% | 1,644 |
| Net charge-offs to loans | -0.0071% | 3,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5083% | 1,287 |
| Assets per employee ($millions) | 5.0183% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 4,115 |
| Loan loss allowance to noncurrent loans | 518.1373% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 3,639 |
| Noncurrent loans to loans | 0.1766% | 3,330 |
| Net loans and leases to total assets | 47.5203% | 3,776 |
| Net loans and leases to deposits | 53.1742% | 3,913 |
| Net loans and leases to core deposits | 54.5253% | 3,992 |
| Total domestic deposits to total assets | 89.3672% | 1,098 |
| Equity capital to assets | 9.4297% | 3,403 |
| Core capital (leverage) ratio | 8.3662% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7888% | 1,696 |
| Memoranda: | ||
| Average total assets | $230,065,000 | 2,876 |
| Average earning assets | $218,261,667 | 2,841 |
| Average equity | $22,400,667 | 3,057 |
| Average total loans | $112,017,333 | 3,097 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 1,477 |
| Cost of funding earning assets | 0.2330% | 3,621 |
| Net interest margin | 3.8299% | 1,085 |
| Noninterest income to average assets | 0.4238% | 2,964 |
| Noninterest expense to average assets | 2.9004% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9402% | 3,007 |
| Return on assets (ROA) | 0.9650% | 3,013 |
| Pretax return on assets | 1.1822% | 2,894 |
| Return on Equity (ROE) | 9.7464% | 2,775 |
| Retained earnings to average equity (ytd only) | 9.7464% | 1,728 |
| Net charge-offs to loans | 0.0036% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 647.0000% | 154 |
| Efficiency ratio | 71.5729% | 1,540 |
| Assets per employee ($millions) | 4.8663% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 4,042 |
| Loan loss allowance to noncurrent loans | 2,565.8537% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,246 |
| Noncurrent loans to loans | 0.0367% | 4,098 |
| Net loans and leases to total assets | 48.3320% | 3,778 |
| Net loans and leases to deposits | 54.2068% | 3,924 |
| Net loans and leases to core deposits | 55.6597% | 3,996 |
| Total domestic deposits to total assets | 89.1622% | 1,260 |
| Equity capital to assets | 9.6682% | 3,042 |
| Core capital (leverage) ratio | 8.7562% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9308% | 1,587 |
| Memoranda: | ||
| Average total assets | $224,658,500 | 2,899 |
| Average earning assets | $212,852,000 | 2,870 |
| Average equity | $22,244,000 | 3,062 |
| Average total loans | $110,264,500 | 3,127 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 3,135 |
| Cost of funding earning assets | 0.3418% | 3,918 |
| Net interest margin | 3.5177% | 2,417 |
| Noninterest income to average assets | 0.4826% | 2,712 |
| Noninterest expense to average assets | 3.8994% | 415 |
| Loan and lease loss provision to assets | 0.0453% | 3,835 |
| Net operating income to assets | -0.0267% | 4,746 |
| Return on assets (ROA) | 0.4210% | 4,285 |
| Pretax return on assets | 0.2984% | 4,544 |
| Return on Equity (ROE) | 4.6035% | 4,000 |
| Retained earnings to average equity (ytd only) | 3.9501% | 2,854 |
| Net charge-offs to loans | -0.0418% | 4,632 |
| Credit loss provision to net charge-offs | -232.5581% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7436% | 152 |
| Assets per employee ($millions) | 4.7956% | 3,611 |
| Cash dividends to net income (ytd only)* | 14.1935% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,985 |
| Loan loss allowance to noncurrent loans | 4,212.0000% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,371 |
| Noncurrent loans to loans | 0.0229% | 4,240 |
| Net loans and leases to total assets | 48.9032% | 3,910 |
| Net loans and leases to deposits | 55.2842% | 4,050 |
| Net loans and leases to core deposits | 56.7694% | 4,114 |
| Total domestic deposits to total assets | 88.4578% | 1,250 |
| Equity capital to assets | 10.1428% | 2,987 |
| Core capital (leverage) ratio | 8.6035% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9202% | 1,558 |
| Memoranda: | ||
| Average total assets | $220,878,000 | 2,790 |
| Average earning assets | $208,007,200 | 2,757 |
| Average equity | $20,202,200 | 3,173 |
| Average total loans | $102,814,800 | 3,195 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,084 |
| Cost of funding earning assets | 0.3670% | 3,964 |
| Net interest margin | 3.5945% | 2,288 |
| Noninterest income to average assets | 0.4815% | 2,690 |
| Noninterest expense to average assets | 2.7511% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8992% | 2,710 |
| Return on assets (ROA) | 1.2932% | 1,471 |
| Pretax return on assets | 1.5973% | 1,189 |
| Return on Equity (ROE) | 14.5341% | 787 |
| Retained earnings to average equity (ytd only) | 14.3307% | 233 |
| Net charge-offs to loans | -0.0579% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2344% | 1,724 |
| Assets per employee ($millions) | 4.9168% | 3,354 |
| Cash dividends to net income (ytd only)* | 1.3999% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 4,168 |
| Loan loss allowance to noncurrent loans | 808.4746% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 4,168 |
| Noncurrent loans to loans | 0.1073% | 3,939 |
| Net loans and leases to total assets | 50.3945% | 4,080 |
| Net loans and leases to deposits | 57.2029% | 4,203 |
| Net loans and leases to core deposits | 58.9266% | 4,257 |
| Total domestic deposits to total assets | 88.0978% | 1,177 |
| Equity capital to assets | 10.2187% | 3,046 |
| Core capital (leverage) ratio | 8.9987% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1140% | 1,473 |
| Memoranda: | ||
| Average total assets | $220,947,750 | 2,773 |
| Average earning assets | $207,793,000 | 2,747 |
| Average equity | $19,659,000 | 3,222 |
| Average total loans | $101,285,250 | 3,222 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 3,976 |
| Cost of funding earning assets | 0.4057% | 4,017 |
| Net interest margin | 3.3496% | 3,246 |
| Noninterest income to average assets | 0.4809% | 2,648 |
| Noninterest expense to average assets | 2.6941% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7869% | 3,079 |
| Return on assets (ROA) | 0.9583% | 2,590 |
| Pretax return on assets | 1.1453% | 2,565 |
| Return on Equity (ROE) | 11.3145% | 1,540 |
| Retained earnings to average equity (ytd only) | 10.9961% | 605 |
| Net charge-offs to loans | 0.0163% | 2,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 130.8750% | 586 |
| Efficiency ratio | 74.1098% | 1,453 |
| Assets per employee ($millions) | 4.9425% | 3,249 |
| Cash dividends to net income (ytd only)* | 2.8143% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,242 |
| Loan loss allowance to noncurrent loans | 6,938.4615% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,559 |
| Noncurrent loans to loans | 0.0120% | 4,464 |
| Net loans and leases to total assets | 47.1476% | 4,304 |
| Net loans and leases to deposits | 52.7652% | 4,416 |
| Net loans and leases to core deposits | 54.3895% | 4,484 |
| Total domestic deposits to total assets | 89.3536% | 626 |
| Equity capital to assets | 9.2266% | 3,901 |
| Core capital (leverage) ratio | 8.3448% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1636% | 1,737 |
| Memoranda: | ||
| Average total assets | $222,484,000 | 2,733 |
| Average earning assets | $209,517,333 | 2,716 |
| Average equity | $18,843,000 | 3,281 |
| Average total loans | $98,388,000 | 3,264 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8124% | 4,208 |
| Cost of funding earning assets | 0.5135% | 3,875 |
| Net interest margin | 3.2989% | 3,597 |
| Noninterest income to average assets | 0.5526% | 2,268 |
| Noninterest expense to average assets | 2.7594% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7617% | 3,050 |
| Return on assets (ROA) | 0.8653% | 2,737 |
| Pretax return on assets | 1.0216% | 2,776 |
| Return on Equity (ROE) | 10.7111% | 1,498 |
| Retained earnings to average equity (ytd only) | 10.7111% | 612 |
| Net charge-offs to loans | 0.0128% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 398 |
| Efficiency ratio | 75.4098% | 1,630 |
| Assets per employee ($millions) | 4.8934% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 3,973 |
| Loan loss allowance to noncurrent loans | 409.9548% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 4,112 |
| Noncurrent loans to loans | 0.2293% | 3,666 |
| Net loans and leases to total assets | 43.3645% | 4,533 |
| Net loans and leases to deposits | 47.7261% | 4,668 |
| Net loans and leases to core deposits | 49.2994% | 4,692 |
| Total domestic deposits to total assets | 90.8612% | 127 |
| Equity capital to assets | 8.0140% | 4,968 |
| Core capital (leverage) ratio | 8.4575% | 4,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0238% | 1,598 |
| Memoranda: | ||
| Average total assets | $220,049,000 | 2,709 |
| Average earning assets | $207,220,500 | 2,683 |
| Average equity | $17,776,000 | 3,394 |
| Average total loans | $93,535,000 | 3,330 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 4,634 |
| Cost of funding earning assets | 0.4888% | 4,140 |
| Net interest margin | 3.2562% | 4,071 |
| Noninterest income to average assets | 0.6741% | 1,909 |
| Noninterest expense to average assets | 2.8880% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7338% | 3,755 |
| Return on assets (ROA) | 0.7755% | 3,710 |
| Pretax return on assets | 0.8880% | 3,777 |
| Return on Equity (ROE) | 10.1587% | 2,225 |
| Retained earnings to average equity (ytd only) | 8.8554% | 749 |
| Net charge-offs to loans | 0.1428% | 1,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 14.9339% | 2,259 |
| Efficiency ratio | 77.4660% | 1,212 |
| Assets per employee ($millions) | 4.7803% | 2,861 |
| Cash dividends to net income (ytd only)* | 12.8297% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,483 |
| Loan loss allowance to noncurrent loans | 4,333.3333% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,624 |
| Noncurrent loans to loans | 0.0232% | 4,473 |
| Net loans and leases to total assets | 40.8213% | 4,704 |
| Net loans and leases to deposits | 44.9825% | 4,805 |
| Net loans and leases to core deposits | 46.4199% | 4,828 |
| Total domestic deposits to total assets | 90.7492% | 157 |
| Equity capital to assets | 8.1425% | 5,028 |
| Core capital (leverage) ratio | 8.3928% | 4,901 |
| Tier 1 risk-based capital ratio | 15.5427% | 2,565 |
| Total risk-based capital ratio | 16.3242% | 2,680 |
| Memoranda: | ||
| Average total assets | $215,094,800 | 2,706 |
| Average earning assets | $201,738,400 | 2,697 |
| Average equity | $16,419,400 | 3,507 |
| Average total loans | $84,755,800 | 3,510 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 4,759 |
| Cost of funding earning assets | 0.4751% | 4,244 |
| Net interest margin | 3.2471% | 4,190 |
| Noninterest income to average assets | 0.6969% | 1,800 |
| Noninterest expense to average assets | 2.9148% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7194% | 3,950 |
| Return on assets (ROA) | 0.7493% | 3,913 |
| Pretax return on assets | 0.8583% | 3,980 |
| Return on Equity (ROE) | 9.9865% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.0560% | 1,028 |
| Net charge-offs to loans | 0.1057% | 1,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 20.0298% | 1,976 |
| Efficiency ratio | 77.9593% | 1,108 |
| Assets per employee ($millions) | 4.8051% | 2,785 |
| Cash dividends to net income (ytd only)* | 9.3178% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 2,903 |
| Loan loss allowance to noncurrent loans | 1,398.5507% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,563 |
| Noncurrent loans to loans | 0.0804% | 4,281 |
| Net loans and leases to total assets | 40.1234% | 4,815 |
| Net loans and leases to deposits | 44.5172% | 4,898 |
| Net loans and leases to core deposits | 45.9186% | 4,922 |
| Total domestic deposits to total assets | 90.1303% | 255 |
| Equity capital to assets | 8.5472% | 4,979 |
| Core capital (leverage) ratio | 8.1676% | 5,068 |
| Tier 1 risk-based capital ratio | 15.7594% | 2,532 |
| Total risk-based capital ratio | 16.6169% | 2,617 |
| Memoranda: | ||
| Average total assets | $213,894,750 | 2,737 |
| Average earning assets | $200,376,000 | 2,729 |
| Average equity | $16,048,000 | 3,572 |
| Average total loans | $83,276,250 | 3,573 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 4,869 |
| Cost of funding earning assets | 0.4574% | 4,299 |
| Net interest margin | 3.2079% | 4,352 |
| Noninterest income to average assets | 0.6455% | 1,944 |
| Noninterest expense to average assets | 2.8083% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7328% | 3,890 |
| Return on assets (ROA) | 0.7433% | 3,918 |
| Pretax return on assets | 0.8541% | 3,960 |
| Return on Equity (ROE) | 10.3814% | 2,221 |
| Retained earnings to average equity (ytd only) | 8.9243% | 1,049 |
| Net charge-offs to loans | 0.0049% | 2,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 452.0000% | 166 |
| Efficiency ratio | 76.9329% | 1,275 |
| Assets per employee ($millions) | 4.6739% | 2,911 |
| Cash dividends to net income (ytd only)* | 14.0351% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,370 |
| Loan loss allowance to noncurrent loans | 1,169.3182% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 4,163 |
| Noncurrent loans to loans | 0.1051% | 4,198 |
| Net loans and leases to total assets | 37.6641% | 4,924 |
| Net loans and leases to deposits | 41.3689% | 5,017 |
| Net loans and leases to core deposits | 42.2304% | 5,042 |
| Total domestic deposits to total assets | 91.0443% | 97 |
| Equity capital to assets | 7.8253% | 5,205 |
| Core capital (leverage) ratio | 8.1003% | 5,138 |
| Tier 1 risk-based capital ratio | 15.5935% | 2,588 |
| Total risk-based capital ratio | 16.5193% | 2,661 |
| Memoranda: | ||
| Average total assets | $214,718,000 | 2,738 |
| Average earning assets | $201,125,330 | 2,724 |
| Average equity | $15,373,670 | 3,650 |
| Average total loans | $82,436,330 | 3,609 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 4,910 |
| Cost of funding earning assets | 0.4471% | 4,300 |
| Net interest margin | 3.2001% | 4,385 |
| Noninterest income to average assets | 0.6125% | 1,993 |
| Noninterest expense to average assets | 2.7648% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7344% | 3,826 |
| Return on assets (ROA) | 0.7426% | 3,846 |
| Pretax return on assets | 0.8519% | 3,913 |
| Return on Equity (ROE) | 10.8949% | 1,982 |
| Retained earnings to average equity (ytd only) | 7.7979% | 1,738 |
| Net charge-offs to loans | 0.0636% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 34.3846% | 1,249 |
| Efficiency ratio | 76.6458% | 1,431 |
| Assets per employee ($millions) | 4.6275% | 3,006 |
| Cash dividends to net income (ytd only)* | 28.4264% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,381 |
| Loan loss allowance to noncurrent loans | 33,933.3333% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 4,400 |
| Noncurrent loans to loans | 0.0037% | 4,789 |
| Net loans and leases to total assets | 37.2788% | 4,976 |
| Net loans and leases to deposits | 41.0046% | 5,062 |
| Net loans and leases to core deposits | 41.7581% | 5,083 |
| Total domestic deposits to total assets | 90.9136% | 188 |
| Equity capital to assets | 7.0619% | 5,306 |
| Core capital (leverage) ratio | 8.1302% | 5,170 |
| Tier 1 risk-based capital ratio | 15.5729% | 2,617 |
| Total risk-based capital ratio | 16.5095% | 2,677 |
| Memoranda: | ||
| Average total assets | $212,241,500 | 2,791 |
| Average earning assets | $198,621,500 | 2,780 |
| Average equity | $14,465,500 | 3,743 |
| Average total loans | $81,771,500 | 3,658 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 4,787 |
| Cost of funding earning assets | 0.3478% | 4,291 |
| Net interest margin | 3.2621% | 4,355 |
| Noninterest income to average assets | 0.6075% | 2,251 |
| Noninterest expense to average assets | 2.7442% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8108% | 3,761 |
| Return on assets (ROA) | 0.8223% | 3,719 |
| Pretax return on assets | 0.9257% | 3,831 |
| Return on Equity (ROE) | 12.8852% | 1,384 |
| Retained earnings to average equity (ytd only) | 10.9065% | 458 |
| Net charge-offs to loans | 0.0013% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,836.0000% | 56 |
| Efficiency ratio | 75.0408% | 1,489 |
| Assets per employee ($millions) | 4.4041% | 3,301 |
| Cash dividends to net income (ytd only)* | 15.3567% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 2,220 |
| Loan loss allowance to noncurrent loans | 11,455.5556% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 4,381 |
| Noncurrent loans to loans | 0.0111% | 4,757 |
| Net loans and leases to total assets | 38.8498% | 4,988 |
| Net loans and leases to deposits | 41.8840% | 5,083 |
| Net loans and leases to core deposits | 42.6750% | 5,108 |
| Total domestic deposits to total assets | 92.7558% | 44 |
| Equity capital to assets | 6.5568% | 5,360 |
| Core capital (leverage) ratio | 8.1478% | 5,189 |
| Tier 1 risk-based capital ratio | 15.4404% | 2,648 |
| Total risk-based capital ratio | 16.3967% | 2,693 |
| Memoranda: | ||
| Average total assets | $201,153,800 | 2,853 |
| Average earning assets | $188,038,400 | 2,849 |
| Average equity | $12,836,400 | 3,906 |
| Average total loans | $77,851,800 | 3,709 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 4,837 |
| Cost of funding earning assets | 0.3150% | 4,413 |
| Net interest margin | 3.2638% | 4,372 |
| Noninterest income to average assets | 0.5956% | 2,332 |
| Noninterest expense to average assets | 2.7882% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7581% | 4,050 |
| Return on assets (ROA) | 0.7698% | 4,023 |
| Pretax return on assets | 0.8720% | 4,114 |
| Return on Equity (ROE) | 12.1501% | 1,734 |
| Retained earnings to average equity (ytd only) | 12.1501% | 460 |
| Net charge-offs to loans | -0.0572% | 4,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4555% | 1,293 |
| Assets per employee ($millions) | 4.4127% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,906 |
| Loan loss allowance to noncurrent loans | 3,672.4138% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 4,479 |
| Noncurrent loans to loans | 0.0366% | 4,730 |
| Net loans and leases to total assets | 38.5482% | 5,069 |
| Net loans and leases to deposits | 41.4218% | 5,171 |
| Net loans and leases to core deposits | 42.2051% | 5,196 |
| Total domestic deposits to total assets | 93.0625% | 31 |
| Equity capital to assets | 6.1197% | 5,445 |
| Core capital (leverage) ratio | 7.9615% | 5,325 |
| Tier 1 risk-based capital ratio | 15.1936% | 2,793 |
| Total risk-based capital ratio | 16.2015% | 2,826 |
| Memoranda: | ||
| Average total assets | $199,694,250 | 2,889 |
| Average earning assets | $186,688,250 | 2,884 |
| Average equity | $12,652,500 | 3,965 |
| Average total loans | $76,953,000 | 3,761 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5365% | 4,865 |
| Cost of funding earning assets | 0.2757% | 4,594 |
| Net interest margin | 3.2608% | 4,357 |
| Noninterest income to average assets | 0.5841% | 2,412 |
| Noninterest expense to average assets | 2.7886% | 2,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7517% | 4,023 |
| Return on assets (ROA) | 0.7553% | 4,014 |
| Pretax return on assets | 0.8490% | 4,116 |
| Return on Equity (ROE) | 11.7838% | 1,807 |
| Retained earnings to average equity (ytd only) | 11.7838% | 554 |
| Net charge-offs to loans | -0.0315% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7461% | 1,343 |
| Assets per employee ($millions) | 4.1928% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 1,943 |
| Loan loss allowance to noncurrent loans | 5,494.7368% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,539 |
| Noncurrent loans to loans | 0.0246% | 4,821 |
| Net loans and leases to total assets | 37.8769% | 5,129 |
| Net loans and leases to deposits | 40.7519% | 5,225 |
| Net loans and leases to core deposits | 41.4612% | 5,250 |
| Total domestic deposits to total assets | 92.9452% | 34 |
| Equity capital to assets | 6.2449% | 5,499 |
| Core capital (leverage) ratio | 7.8605% | 5,384 |
| Tier 1 risk-based capital ratio | 15.3540% | 2,707 |
| Total risk-based capital ratio | 16.3782% | 2,737 |
| Memoranda: | ||
| Average total assets | $198,597,330 | 2,911 |
| Average earning assets | $185,719,330 | 2,908 |
| Average equity | $12,729,330 | 3,975 |
| Average total loans | $76,166,670 | 3,801 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 4,855 |
| Cost of funding earning assets | 0.2646% | 4,620 |
| Net interest margin | 3.2501% | 4,313 |
| Noninterest income to average assets | 0.5799% | 2,366 |
| Noninterest expense to average assets | 2.7495% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7523% | 3,903 |
| Return on assets (ROA) | 0.7523% | 3,903 |
| Pretax return on assets | 0.8435% | 4,041 |
| Return on Equity (ROE) | 11.5847% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.5847% | 771 |
| Net charge-offs to loans | -0.0212% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5237% | 1,516 |
| Assets per employee ($millions) | 4.1986% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 2,004 |
| Loan loss allowance to noncurrent loans | 6,475.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 4,627 |
| Noncurrent loans to loans | 0.0209% | 4,893 |
| Net loans and leases to total assets | 37.4271% | 5,160 |
| Net loans and leases to deposits | 40.2897% | 5,256 |
| Net loans and leases to core deposits | 41.2689% | 5,280 |
| Total domestic deposits to total assets | 92.8950% | 46 |
| Equity capital to assets | 6.1737% | 5,564 |
| Core capital (leverage) ratio | 7.8039% | 5,441 |
| Tier 1 risk-based capital ratio | 15.0016% | 2,861 |
| Total risk-based capital ratio | 16.0194% | 2,917 |
| Memoranda: | ||
| Average total assets | $197,270,000 | 2,954 |
| Average earning assets | $182,887,000 | 2,968 |
| Average equity | $12,810,000 | 3,993 |
| Average total loans | $75,614,000 | 3,845 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 4,847 |
| Cost of funding earning assets | 0.2488% | 4,578 |
| Net interest margin | 3.2124% | 4,415 |
| Noninterest income to average assets | 0.5916% | 2,491 |
| Noninterest expense to average assets | 2.8054% | 2,746 |
| Loan and lease loss provision to assets | 0.0530% | 3,172 |
| Net operating income to assets | 0.7026% | 3,594 |
| Return on assets (ROA) | 0.7586% | 3,392 |
| Pretax return on assets | 0.7893% | 4,277 |
| Return on Equity (ROE) | 11.1727% | 1,412 |
| Retained earnings to average equity (ytd only) | 7.6983% | 858 |
| Net charge-offs to loans | -0.0302% | 5,067 |
| Credit loss provision to net charge-offs | -454.5455% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1568% | 1,324 |
| Assets per employee ($millions) | 4.2890% | 3,504 |
| Cash dividends to net income (ytd only)* | 31.0971% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 1,838 |
| Loan loss allowance to noncurrent loans | 513.4328% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 4,167 |
| Noncurrent loans to loans | 0.2688% | 3,822 |
| Net loans and leases to total assets | 38.2017% | 5,211 |
| Net loans and leases to deposits | 41.4541% | 5,307 |
| Net loans and leases to core deposits | 42.4325% | 5,336 |
| Total domestic deposits to total assets | 92.1542% | 70 |
| Equity capital to assets | 6.8277% | 5,594 |
| Core capital (leverage) ratio | 7.6269% | 5,535 |
| Tier 1 risk-based capital ratio | 15.1515% | 2,769 |
| Total risk-based capital ratio | 16.2009% | 2,800 |
| Memoranda: | ||
| Average total assets | $188,639,400 | 3,033 |
| Average earning assets | $176,035,800 | 3,000 |
| Average equity | $12,808,000 | 4,012 |
| Average total loans | $72,950,200 | 3,897 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4115% | 4,949 |
| Cost of funding earning assets | 0.2504% | 4,564 |
| Net interest margin | 3.1612% | 4,556 |
| Noninterest income to average assets | 0.5879% | 2,548 |
| Noninterest expense to average assets | 2.7939% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6441% | 4,214 |
| Return on assets (ROA) | 0.7095% | 3,997 |
| Pretax return on assets | 0.8232% | 4,293 |
| Return on Equity (ROE) | 10.4646% | 1,920 |
| Retained earnings to average equity (ytd only) | 9.6154% | 676 |
| Net charge-offs to loans | 0.0037% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 524.8315% | 196 |
| Efficiency ratio | 78.8998% | 1,224 |
| Assets per employee ($millions) | 4.3374% | 3,415 |
| Cash dividends to net income (ytd only)* | 8.1165% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,650 |
| Loan loss allowance to noncurrent loans | 1,149.3671% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 4,592 |
| Noncurrent loans to loans | 0.1086% | 4,625 |
| Net loans and leases to total assets | 37.6377% | 5,283 |
| Net loans and leases to deposits | 41.0922% | 5,382 |
| Net loans and leases to core deposits | 42.0809% | 5,415 |
| Total domestic deposits to total assets | 91.5932% | 91 |
| Equity capital to assets | 7.0994% | 5,656 |
| Core capital (leverage) ratio | 7.6914% | 5,595 |
| Tier 1 risk-based capital ratio | 15.1632% | 2,854 |
| Total risk-based capital ratio | 16.0914% | 2,920 |
| Memoranda: | ||
| Average total assets | $187,547,500 | 3,074 |
| Average earning assets | $175,206,000 | 3,037 |
| Average equity | $12,715,500 | 4,067 |
| Average total loans | $72,496,750 | 3,938 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3633% | 5,012 |
| Cost of funding earning assets | 0.2504% | 4,540 |
| Net interest margin | 3.1129% | 4,645 |
| Noninterest income to average assets | 0.5953% | 2,482 |
| Noninterest expense to average assets | 2.7922% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6208% | 4,212 |
| Return on assets (ROA) | 0.6694% | 4,044 |
| Pretax return on assets | 0.7659% | 4,390 |
| Return on Equity (ROE) | 10.0340% | 2,023 |
| Retained earnings to average equity (ytd only) | 9.1657% | 790 |
| Net charge-offs to loans | 0.0193% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 94.5714% | 680 |
| Efficiency ratio | 79.7243% | 1,242 |
| Assets per employee ($millions) | 4.6300% | 2,893 |
| Cash dividends to net income (ytd only)* | 8.6538% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,819 |
| Loan loss allowance to noncurrent loans | 370.0820% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 4,304 |
| Noncurrent loans to loans | 0.3328% | 3,848 |
| Net loans and leases to total assets | 37.2337% | 5,327 |
| Net loans and leases to deposits | 40.4959% | 5,440 |
| Net loans and leases to core deposits | 41.6377% | 5,450 |
| Total domestic deposits to total assets | 91.9444% | 80 |
| Equity capital to assets | 6.8348% | 5,718 |
| Core capital (leverage) ratio | 7.5594% | 5,645 |
| Tier 1 risk-based capital ratio | 14.6984% | 3,065 |
| Total risk-based capital ratio | 15.6147% | 3,158 |
| Memoranda: | ||
| Average total assets | $186,448,000 | 3,091 |
| Average earning assets | $174,113,670 | 3,059 |
| Average equity | $12,437,670 | 4,122 |
| Average total loans | $72,416,330 | 3,964 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 5,017 |
| Cost of funding earning assets | 0.2517% | 4,520 |
| Net interest margin | 3.1094% | 4,625 |
| Noninterest income to average assets | 0.6029% | 2,395 |
| Noninterest expense to average assets | 2.8327% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6014% | 4,159 |
| Return on assets (ROA) | 0.6271% | 4,079 |
| Pretax return on assets | 0.6972% | 4,458 |
| Return on Equity (ROE) | 9.5246% | 2,169 |
| Retained earnings to average equity (ytd only) | 8.6254% | 1,224 |
| Net charge-offs to loans | -0.0333% | 4,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9017% | 1,273 |
| Assets per employee ($millions) | 4.5203% | 3,136 |
| Cash dividends to net income (ytd only)* | 9.4406% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,766 |
| Loan loss allowance to noncurrent loans | 350.9579% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 4,305 |
| Noncurrent loans to loans | 0.3586% | 3,805 |
| Net loans and leases to total assets | 37.8558% | 5,331 |
| Net loans and leases to deposits | 40.9443% | 5,437 |
| Net loans and leases to core deposits | 42.2013% | 5,459 |
| Total domestic deposits to total assets | 92.4568% | 64 |
| Equity capital to assets | 6.5082% | 5,791 |
| Core capital (leverage) ratio | 7.8451% | 5,612 |
| Tier 1 risk-based capital ratio | 14.9115% | 3,010 |
| Total risk-based capital ratio | 15.8752% | 3,077 |
| Memoranda: | ||
| Average total assets | $182,441,500 | 3,153 |
| Average earning assets | $170,064,000 | 3,134 |
| Average equity | $12,011,000 | 4,213 |
| Average total loans | $71,970,500 | 4,003 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 4,643 |
| Cost of funding earning assets | 0.2905% | 4,167 |
| Net interest margin | 3.2568% | 4,277 |
| Noninterest income to average assets | 0.6291% | 2,510 |
| Noninterest expense to average assets | 3.0187% | 2,290 |
| Loan and lease loss provision to assets | 0.0599% | 3,184 |
| Net operating income to assets | 0.5680% | 4,355 |
| Return on assets (ROA) | 0.5974% | 4,329 |
| Pretax return on assets | 0.6106% | 4,756 |
| Return on Equity (ROE) | 8.2401% | 2,812 |
| Retained earnings to average equity (ytd only) | 6.6780% | 1,367 |
| Net charge-offs to loans | 0.0059% | 4,054 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 267.2500% | 268 |
| Efficiency ratio | 82.4955% | 1,144 |
| Assets per employee ($millions) | 4.1674% | 3,670 |
| Cash dividends to net income (ytd only)* | 18.9569% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,659 |
| Loan loss allowance to noncurrent loans | 220.8738% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 3,951 |
| Noncurrent loans to loans | 0.5790% | 3,110 |
| Net loans and leases to total assets | 40.1329% | 5,308 |
| Net loans and leases to deposits | 43.4303% | 5,449 |
| Net loans and leases to core deposits | 45.0820% | 5,465 |
| Total domestic deposits to total assets | 92.4076% | 72 |
| Equity capital to assets | 6.6651% | 5,823 |
| Core capital (leverage) ratio | 8.0598% | 5,584 |
| Tier 1 risk-based capital ratio | 14.8641% | 3,023 |
| Total risk-based capital ratio | 15.8363% | 3,092 |
| Memoranda: | ||
| Average total assets | $166,892,000 | 3,320 |
| Average earning assets | $155,274,000 | 3,312 |
| Average equity | $12,099,400 | 4,235 |
| Average total loans | $68,290,400 | 4,085 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 4,663 |
| Cost of funding earning assets | 0.2999% | 4,100 |
| Net interest margin | 3.2567% | 4,328 |
| Noninterest income to average assets | 0.6341% | 2,500 |
| Noninterest expense to average assets | 3.0539% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5657% | 4,431 |
| Return on assets (ROA) | 0.6033% | 4,393 |
| Pretax return on assets | 0.6510% | 4,739 |
| Return on Equity (ROE) | 8.1476% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.5033% | 1,398 |
| Net charge-offs to loans | -0.0592% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3370% | 1,041 |
| Assets per employee ($millions) | 4.0425% | 3,891 |
| Cash dividends to net income (ytd only)* | 7.9084% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 2,801 |
| Loan loss allowance to noncurrent loans | 289.3836% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 4,336 |
| Noncurrent loans to loans | 0.4422% | 3,697 |
| Net loans and leases to total assets | 38.3910% | 5,448 |
| Net loans and leases to deposits | 42.0946% | 5,578 |
| Net loans and leases to core deposits | 43.6503% | 5,590 |
| Total domestic deposits to total assets | 91.2019% | 158 |
| Equity capital to assets | 7.4411% | 5,848 |
| Core capital (leverage) ratio | 8.0858% | 5,648 |
| Tier 1 risk-based capital ratio | 15.4359% | 2,857 |
| Total risk-based capital ratio | 16.3815% | 2,922 |
| Memoranda: | ||
| Average total assets | $164,857,250 | 3,363 |
| Average earning assets | $153,401,500 | 3,345 |
| Average equity | $12,207,750 | 4,255 |
| Average total loans | $67,574,250 | 4,135 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5653% | 4,696 |
| Cost of funding earning assets | 0.3047% | 4,070 |
| Net interest margin | 3.2606% | 4,346 |
| Noninterest income to average assets | 0.6225% | 2,495 |
| Noninterest expense to average assets | 3.0782% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5477% | 4,489 |
| Return on assets (ROA) | 0.5477% | 4,601 |
| Pretax return on assets | 0.5735% | 4,963 |
| Return on Equity (ROE) | 7.4095% | 3,310 |
| Retained earnings to average equity (ytd only) | 6.8790% | 1,678 |
| Net charge-offs to loans | -0.0323% | 5,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2953% | 1,021 |
| Assets per employee ($millions) | 3.9212% | 4,056 |
| Cash dividends to net income (ytd only)* | 7.1588% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 3,297 |
| Loan loss allowance to noncurrent loans | 136.5894% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 4,047 |
| Noncurrent loans to loans | 0.8867% | 2,520 |
| Net loans and leases to total assets | 39.9082% | 5,427 |
| Net loans and leases to deposits | 43.8177% | 5,573 |
| Net loans and leases to core deposits | 44.9490% | 5,594 |
| Total domestic deposits to total assets | 91.0777% | 181 |
| Equity capital to assets | 7.5184% | 5,911 |
| Core capital (leverage) ratio | 8.2028% | 5,601 |
| Tier 1 risk-based capital ratio | 15.0295% | 3,069 |
| Total risk-based capital ratio | 15.9464% | 3,154 |
| Memoranda: | ||
| Average total assets | $163,214,000 | 3,395 |
| Average earning assets | $151,627,000 | 3,387 |
| Average equity | $12,065,670 | 4,308 |
| Average total loans | $68,089,670 | 4,146 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 4,703 |
| Cost of funding earning assets | 0.3136% | 4,020 |
| Net interest margin | 3.2569% | 4,376 |
| Noninterest income to average assets | 0.6404% | 2,318 |
| Noninterest expense to average assets | 3.0801% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5582% | 4,378 |
| Return on assets (ROA) | 0.5582% | 4,480 |
| Pretax return on assets | 0.5881% | 4,852 |
| Return on Equity (ROE) | 7.6190% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.1429% | 1,819 |
| Net charge-offs to loans | -0.0705% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9674% | 1,160 |
| Assets per employee ($millions) | 3.6012% | 4,646 |
| Cash dividends to net income (ytd only)* | 6.2500% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 3,441 |
| Loan loss allowance to noncurrent loans | 135.6322% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 4,080 |
| Noncurrent loans to loans | 0.8890% | 2,622 |
| Net loans and leases to total assets | 41.7631% | 5,361 |
| Net loans and leases to deposits | 45.7194% | 5,519 |
| Net loans and leases to core deposits | 47.2770% | 5,543 |
| Total domestic deposits to total assets | 91.3466% | 188 |
| Equity capital to assets | 7.4100% | 5,963 |
| Core capital (leverage) ratio | 8.3679% | 5,498 |
| Tier 1 risk-based capital ratio | 15.0485% | 3,133 |
| Total risk-based capital ratio | 15.9820% | 3,214 |
| Memoranda: | ||
| Average total assets | $160,515,000 | 3,440 |
| Average earning assets | $149,219,500 | 3,430 |
| Average equity | $11,760,000 | 4,370 |
| Average total loans | $68,077,000 | 4,161 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6381% | 4,564 |
| Cost of funding earning assets | 0.3276% | 3,936 |
| Net interest margin | 3.3105% | 4,253 |
| Noninterest income to average assets | 0.6265% | 2,582 |
| Noninterest expense to average assets | 3.1441% | 2,105 |
| Loan and lease loss provision to assets | 0.2797% | 650 |
| Net operating income to assets | 0.3723% | 5,130 |
| Return on assets (ROA) | 0.3953% | 5,145 |
| Pretax return on assets | 0.2840% | 5,551 |
| Return on Equity (ROE) | 5.2900% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.0757% | 3,103 |
| Net charge-offs to loans | 0.7352% | 320 |
| Credit loss provision to net charge-offs | 96.7742% | 2,618 |
| Earnings coverage of net charge-offs (x) | 1.8710% | 4,019 |
| Efficiency ratio | 85.3264% | 1,058 |
| Assets per employee ($millions) | 3.5328% | 4,769 |
| Cash dividends to net income (ytd only)* | 22.9560% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 3,461 |
| Loan loss allowance to noncurrent loans | 115.6250% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 3,844 |
| Noncurrent loans to loans | 1.0407% | 2,253 |
| Net loans and leases to total assets | 42.0410% | 5,405 |
| Net loans and leases to deposits | 45.8717% | 5,575 |
| Net loans and leases to core deposits | 47.6845% | 5,575 |
| Total domestic deposits to total assets | 91.6492% | 151 |
| Equity capital to assets | 7.2413% | 6,019 |
| Core capital (leverage) ratio | 8.2295% | 5,667 |
| Tier 1 risk-based capital ratio | 14.8385% | 3,254 |
| Total risk-based capital ratio | 15.7602% | 3,347 |
| Memoranda: | ||
| Average total assets | $160,906,000 | 3,416 |
| Average earning assets | $148,648,200 | 3,427 |
| Average equity | $12,022,600 | 4,301 |
| Average total loans | $63,244,000 | 4,283 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 4,573 |
| Cost of funding earning assets | 0.3323% | 3,955 |
| Net interest margin | 3.3181% | 4,271 |
| Noninterest income to average assets | 0.5775% | 2,864 |
| Noninterest expense to average assets | 3.0072% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5893% | 4,433 |
| Return on assets (ROA) | 0.6147% | 4,417 |
| Pretax return on assets | 0.6584% | 4,808 |
| Return on Equity (ROE) | 8.1643% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.8680% | 1,294 |
| Net charge-offs to loans | 0.8668% | 224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.8911% | 3,765 |
| Efficiency ratio | 82.6521% | 1,309 |
| Assets per employee ($millions) | 3.4913% | 4,802 |
| Cash dividends to net income (ytd only)* | 3.6291% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 5,780 |
| Loan loss allowance to noncurrent loans | 56.9705% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 3,902 |
| Noncurrent loans to loans | 1.1851% | 2,157 |
| Net loans and leases to total assets | 39.7963% | 5,602 |
| Net loans and leases to deposits | 44.0105% | 5,722 |
| Net loans and leases to core deposits | 45.5694% | 5,743 |
| Total domestic deposits to total assets | 90.4245% | 412 |
| Equity capital to assets | 7.9677% | 5,968 |
| Core capital (leverage) ratio | 8.3711% | 5,654 |
| Tier 1 risk-based capital ratio | 15.6614% | 2,966 |
| Total risk-based capital ratio | 16.1606% | 3,289 |
| Memoranda: | ||
| Average total assets | $161,388,000 | 3,444 |
| Average earning assets | $148,878,750 | 3,451 |
| Average equity | $12,150,250 | 4,325 |
| Average total loans | $62,142,500 | 4,355 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 4,613 |
| Cost of funding earning assets | 0.3338% | 3,999 |
| Net interest margin | 3.3047% | 4,286 |
| Noninterest income to average assets | 0.5626% | 2,958 |
| Noninterest expense to average assets | 2.9567% | 2,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6081% | 4,306 |
| Return on assets (ROA) | 0.6081% | 4,419 |
| Pretax return on assets | 0.6584% | 4,797 |
| Return on Equity (ROE) | 8.2310% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.0149% | 1,263 |
| Net charge-offs to loans | 0.0776% | 2,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,648 |
| Efficiency ratio | 81.7873% | 1,522 |
| Assets per employee ($millions) | 3.8545% | 4,157 |
| Cash dividends to net income (ytd only)* | 2.6263% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 3,051 |
| Loan loss allowance to noncurrent loans | 87.2156% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 3,663 |
| Noncurrent loans to loans | 1.5304% | 1,730 |
| Net loans and leases to total assets | 37.6531% | 5,751 |
| Net loans and leases to deposits | 41.3905% | 5,860 |
| Net loans and leases to core deposits | 42.7568% | 5,873 |
| Total domestic deposits to total assets | 90.9704% | 299 |
| Equity capital to assets | 7.5914% | 6,099 |
| Core capital (leverage) ratio | 8.0716% | 5,891 |
| Tier 1 risk-based capital ratio | 14.9430% | 3,386 |
| Total risk-based capital ratio | 15.8614% | 3,502 |
| Memoranda: | ||
| Average total assets | $162,814,000 | 3,458 |
| Average earning assets | $150,390,000 | 3,450 |
| Average equity | $12,027,670 | 4,379 |
| Average total loans | $61,873,670 | 4,413 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,417 |
| Cost of funding earning assets | 0.3399% | 3,984 |
| Net interest margin | 3.3463% | 4,037 |
| Noninterest income to average assets | 0.5738% | 2,812 |
| Noninterest expense to average assets | 2.8740% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6876% | 3,860 |
| Return on assets (ROA) | 0.6876% | 3,986 |
| Pretax return on assets | 0.7990% | 4,244 |
| Return on Equity (ROE) | 9.4329% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.4329% | 1,059 |
| Net charge-offs to loans | 0.1851% | 1,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.3793% | 1,865 |
| Efficiency ratio | 78.2465% | 2,151 |
| Assets per employee ($millions) | 4.0924% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 3,426 |
| Loan loss allowance to noncurrent loans | 91.5332% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 3,941 |
| Noncurrent loans to loans | 1.4156% | 2,028 |
| Net loans and leases to total assets | 36.3194% | 5,811 |
| Net loans and leases to deposits | 39.8400% | 5,919 |
| Net loans and leases to core deposits | 41.0359% | 5,938 |
| Total domestic deposits to total assets | 91.1633% | 305 |
| Equity capital to assets | 7.3730% | 6,210 |
| Core capital (leverage) ratio | 7.8448% | 6,013 |
| Tier 1 risk-based capital ratio | 14.2780% | 3,838 |
| Total risk-based capital ratio | 15.1634% | 4,005 |
| Memoranda: | ||
| Average total assets | $165,203,500 | 3,441 |
| Average earning assets | $153,005,000 | 3,419 |
| Average equity | $12,043,000 | 4,406 |
| Average total loans | $62,655,500 | 4,409 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 4,656 |
| Cost of funding earning assets | 0.4099% | 3,590 |
| Net interest margin | 3.3355% | 4,455 |
| Noninterest income to average assets | 0.6807% | 2,391 |
| Noninterest expense to average assets | 3.0481% | 2,697 |
| Loan and lease loss provision to assets | 0.0656% | 3,192 |
| Net operating income to assets | 0.5994% | 4,370 |
| Return on assets (ROA) | 0.6007% | 4,458 |
| Pretax return on assets | 0.6315% | 4,837 |
| Return on Equity (ROE) | 7.8805% | 3,198 |
| Retained earnings to average equity (ytd only) | 6.9514% | 1,433 |
| Net charge-offs to loans | 0.2170% | 1,933 |
| Credit loss provision to net charge-offs | 80.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 8.4880% | 2,870 |
| Efficiency ratio | 81.4153% | 1,723 |
| Assets per employee ($millions) | 3.9663% | 4,027 |
| Cash dividends to net income (ytd only)* | 11.7904% | 4,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 3,401 |
| Loan loss allowance to noncurrent loans | 148.3005% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 4,678 |
| Noncurrent loans to loans | 0.8793% | 3,121 |
| Net loans and leases to total assets | 38.5824% | 5,818 |
| Net loans and leases to deposits | 42.2013% | 5,962 |
| Net loans and leases to core deposits | 43.4622% | 5,975 |
| Total domestic deposits to total assets | 91.4247% | 244 |
| Equity capital to assets | 7.2040% | 6,303 |
| Core capital (leverage) ratio | 8.0146% | 5,997 |
| Tier 1 risk-based capital ratio | 13.7738% | 4,253 |
| Total risk-based capital ratio | 14.6789% | 4,391 |
| Memoranda: | ||
| Average total assets | $152,490,200 | 3,591 |
| Average earning assets | $140,040,400 | 3,609 |
| Average equity | $11,623,600 | 4,432 |
| Average total loans | $57,601,600 | 4,564 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,720 |
| Cost of funding earning assets | 0.4232% | 3,543 |
| Net interest margin | 3.3242% | 4,524 |
| Noninterest income to average assets | 0.6624% | 2,513 |
| Noninterest expense to average assets | 3.0630% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5879% | 4,493 |
| Return on assets (ROA) | 0.5895% | 4,577 |
| Pretax return on assets | 0.6464% | 4,889 |
| Return on Equity (ROE) | 7.6200% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.6200% | 1,523 |
| Net charge-offs to loans | 0.0475% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 36.2445% | 1,204 |
| Efficiency ratio | 82.6139% | 1,534 |
| Assets per employee ($millions) | 3.4196% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 3,077 |
| Loan loss allowance to noncurrent loans | 159.1603% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 4,914 |
| Noncurrent loans to loans | 0.8929% | 3,334 |
| Net loans and leases to total assets | 37.5933% | 5,959 |
| Net loans and leases to deposits | 41.6253% | 6,067 |
| Net loans and leases to core deposits | 42.8138% | 6,092 |
| Total domestic deposits to total assets | 90.3135% | 611 |
| Equity capital to assets | 7.9196% | 6,172 |
| Core capital (leverage) ratio | 8.2411% | 5,890 |
| Tier 1 risk-based capital ratio | 14.3753% | 3,964 |
| Total risk-based capital ratio | 15.3366% | 4,092 |
| Memoranda: | ||
| Average total assets | $149,958,250 | 3,660 |
| Average earning assets | $137,374,250 | 3,668 |
| Average equity | $11,600,750 | 4,461 |
| Average total loans | $56,109,250 | 4,656 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,701 |
| Cost of funding earning assets | 0.4352% | 3,494 |
| Net interest margin | 3.3137% | 4,534 |
| Noninterest income to average assets | 0.6351% | 2,636 |
| Noninterest expense to average assets | 3.0811% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5530% | 4,586 |
| Return on assets (ROA) | 0.5530% | 4,688 |
| Pretax return on assets | 0.5866% | 4,994 |
| Return on Equity (ROE) | 7.2072% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.2072% | 1,663 |
| Net charge-offs to loans | 0.0615% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 25.6471% | 1,399 |
| Efficiency ratio | 84.0059% | 1,514 |
| Assets per employee ($millions) | 3.4148% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 2,833 |
| Loan loss allowance to noncurrent loans | 193.3025% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 5,215 |
| Noncurrent loans to loans | 0.7837% | 3,740 |
| Net loans and leases to total assets | 36.2136% | 6,039 |
| Net loans and leases to deposits | 40.0958% | 6,149 |
| Net loans and leases to core deposits | 41.3729% | 6,175 |
| Total domestic deposits to total assets | 90.3177% | 652 |
| Equity capital to assets | 7.9433% | 6,184 |
| Core capital (leverage) ratio | 8.1937% | 5,934 |
| Tier 1 risk-based capital ratio | 14.6787% | 3,822 |
| Total risk-based capital ratio | 15.6841% | 3,914 |
| Memoranda: | ||
| Average total assets | $148,649,670 | 3,701 |
| Average earning assets | $136,041,330 | 3,710 |
| Average equity | $11,405,330 | 4,516 |
| Average total loans | $55,251,000 | 4,710 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 4,684 |
| Cost of funding earning assets | 0.4769% | 3,154 |
| Net interest margin | 3.2700% | 4,671 |
| Noninterest income to average assets | 0.6223% | 2,610 |
| Noninterest expense to average assets | 3.2682% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4004% | 5,112 |
| Return on assets (ROA) | 0.4004% | 5,183 |
| Pretax return on assets | 0.3409% | 5,621 |
| Return on Equity (ROE) | 5.3139% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.3139% | 2,911 |
| Net charge-offs to loans | 0.0796% | 2,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.4545% | 1,781 |
| Efficiency ratio | 90.5547% | 983 |
| Assets per employee ($millions) | 3.3154% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 3,173 |
| Loan loss allowance to noncurrent loans | 165.6189% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 5,123 |
| Noncurrent loans to loans | 0.9008% | 3,630 |
| Net loans and leases to total assets | 37.3092% | 5,996 |
| Net loans and leases to deposits | 41.0811% | 6,126 |
| Net loans and leases to core deposits | 43.1592% | 6,112 |
| Total domestic deposits to total assets | 90.8185% | 636 |
| Equity capital to assets | 7.6003% | 6,278 |
| Core capital (leverage) ratio | 8.1851% | 5,960 |
| Tier 1 risk-based capital ratio | 14.0373% | 4,309 |
| Total risk-based capital ratio | 15.0271% | 4,443 |
| Memoranda: | ||
| Average total assets | $147,848,000 | 3,737 |
| Average earning assets | $135,047,000 | 3,745 |
| Average equity | $11,140,500 | 4,579 |
| Average total loans | $55,252,000 | 4,752 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 4,360 |
| Cost of funding earning assets | 0.5230% | 3,372 |
| Net interest margin | 3.4050% | 4,255 |
| Noninterest income to average assets | 0.5345% | 3,524 |
| Noninterest expense to average assets | 2.9911% | 3,082 |
| Loan and lease loss provision to assets | 0.0540% | 4,062 |
| Net operating income to assets | 0.6309% | 4,109 |
| Return on assets (ROA) | 0.6690% | 4,036 |
| Pretax return on assets | 0.6467% | 4,718 |
| Return on Equity (ROE) | 9.0900% | 2,494 |
| Retained earnings to average equity (ytd only) | 8.0344% | 1,047 |
| Net charge-offs to loans | -0.0217% | 6,155 |
| Credit loss provision to net charge-offs | -681.8182% | 6,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8665% | 1,894 |
| Assets per employee ($millions) | 3.4882% | 4,919 |
| Cash dividends to net income (ytd only)* | 11.6129% | 3,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 2,833 |
| Loan loss allowance to noncurrent loans | 180.5497% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 5,289 |
| Noncurrent loans to loans | 0.8759% | 3,793 |
| Net loans and leases to total assets | 36.2752% | 6,191 |
| Net loans and leases to deposits | 39.8648% | 6,309 |
| Net loans and leases to core deposits | 42.1722% | 6,299 |
| Total domestic deposits to total assets | 90.9955% | 572 |
| Equity capital to assets | 7.4687% | 6,300 |
| Core capital (leverage) ratio | 8.3187% | 5,852 |
| Tier 1 risk-based capital ratio | 14.2099% | 4,148 |
| Total risk-based capital ratio | 15.2376% | 4,244 |
| Memoranda: | ||
| Average total assets | $139,013,200 | 3,896 |
| Average earning assets | $127,342,000 | 3,898 |
| Average equity | $10,231,000 | 4,793 |
| Average total loans | $50,611,400 | 4,941 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 4,322 |
| Cost of funding earning assets | 0.5285% | 3,481 |
| Net interest margin | 3.4200% | 4,209 |
| Noninterest income to average assets | 0.5007% | 3,801 |
| Noninterest expense to average assets | 2.9429% | 3,159 |
| Loan and lease loss provision to assets | 0.0729% | 3,599 |
| Net operating income to assets | 0.5860% | 4,409 |
| Return on assets (ROA) | 0.6271% | 4,354 |
| Pretax return on assets | 0.6679% | 4,797 |
| Return on Equity (ROE) | 8.5542% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.5542% | 1,211 |
| Net charge-offs to loans | -0.0295% | 6,160 |
| Credit loss provision to net charge-offs | -681.8182% | 6,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8494% | 1,990 |
| Assets per employee ($millions) | 3.3514% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 2,597 |
| Loan loss allowance to noncurrent loans | 164.2308% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 5,297 |
| Noncurrent loans to loans | 1.0411% | 3,719 |
| Net loans and leases to total assets | 34.8790% | 6,326 |
| Net loans and leases to deposits | 38.0145% | 6,446 |
| Net loans and leases to core deposits | 39.8774% | 6,452 |
| Total domestic deposits to total assets | 91.7518% | 298 |
| Equity capital to assets | 6.9552% | 6,563 |
| Core capital (leverage) ratio | 8.5683% | 5,698 |
| Tier 1 risk-based capital ratio | 14.6700% | 3,969 |
| Total risk-based capital ratio | 15.7471% | 4,026 |
| Memoranda: | ||
| Average total assets | $137,140,250 | 3,973 |
| Average earning assets | $125,882,250 | 3,966 |
| Average equity | $10,053,250 | 4,889 |
| Average total loans | $49,764,500 | 5,018 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 4,154 |
| Cost of funding earning assets | 0.5410% | 3,491 |
| Net interest margin | 3.4465% | 4,015 |
| Noninterest income to average assets | 0.5150% | 3,741 |
| Noninterest expense to average assets | 3.0588% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5932% | 4,322 |
| Return on assets (ROA) | 0.6003% | 4,459 |
| Pretax return on assets | 0.6224% | 4,941 |
| Return on Equity (ROE) | 8.0465% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.0465% | 1,468 |
| Net charge-offs to loans | 0.0644% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 26.1250% | 1,246 |
| Efficiency ratio | 83.2599% | 1,722 |
| Assets per employee ($millions) | 3.3263% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 3,354 |
| Loan loss allowance to noncurrent loans | 107.7364% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 4,989 |
| Noncurrent loans to loans | 1.4407% | 3,143 |
| Net loans and leases to total assets | 34.9739% | 6,361 |
| Net loans and leases to deposits | 38.0459% | 6,482 |
| Net loans and leases to core deposits | 40.0529% | 6,471 |
| Total domestic deposits to total assets | 91.9254% | 265 |
| Equity capital to assets | 6.8647% | 6,630 |
| Core capital (leverage) ratio | 8.5158% | 5,654 |
| Tier 1 risk-based capital ratio | 14.8939% | 3,846 |
| Total risk-based capital ratio | 15.8768% | 3,977 |
| Memoranda: | ||
| Average total assets | $135,934,330 | 4,024 |
| Average earning assets | $124,590,000 | 4,023 |
| Average equity | $10,141,000 | 4,900 |
| Average total loans | $49,703,000 | 5,036 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 4,164 |
| Cost of funding earning assets | 0.5388% | 3,687 |
| Net interest margin | 3.4509% | 3,904 |
| Noninterest income to average assets | 0.5954% | 3,171 |
| Noninterest expense to average assets | 3.0565% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6638% | 3,881 |
| Return on assets (ROA) | 0.6720% | 3,990 |
| Pretax return on assets | 0.7192% | 4,491 |
| Return on Equity (ROE) | 8.6606% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.6606% | 1,506 |
| Net charge-offs to loans | 0.0159% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 318 |
| Efficiency ratio | 81.1424% | 2,170 |
| Assets per employee ($millions) | 3.3595% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 3,734 |
| Loan loss allowance to noncurrent loans | 243.9490% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 5,885 |
| Noncurrent loans to loans | 0.6232% | 4,885 |
| Net loans and leases to total assets | 36.0215% | 6,293 |
| Net loans and leases to deposits | 39.7395% | 6,432 |
| Net loans and leases to core deposits | 41.5551% | 6,416 |
| Total domestic deposits to total assets | 90.6440% | 697 |
| Equity capital to assets | 7.6753% | 6,534 |
| Core capital (leverage) ratio | 8.5448% | 5,517 |
| Tier 1 risk-based capital ratio | 14.5885% | 4,114 |
| Total risk-based capital ratio | 15.5850% | 4,240 |
| Memoranda: | ||
| Average total assets | $135,712,000 | 4,071 |
| Average earning assets | $124,722,000 | 4,046 |
| Average equity | $10,530,500 | 4,878 |
| Average total loans | $50,330,000 | 5,045 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 4,206 |
| Cost of funding earning assets | 0.6145% | 4,218 |
| Net interest margin | 3.6812% | 3,735 |
| Noninterest income to average assets | 0.6360% | 3,075 |
| Noninterest expense to average assets | 3.2026% | 2,605 |
| Loan and lease loss provision to assets | 0.2558% | 2,608 |
| Net operating income to assets | 0.5544% | 4,453 |
| Return on assets (ROA) | 0.5878% | 4,557 |
| Pretax return on assets | 0.5505% | 5,133 |
| Return on Equity (ROE) | 7.3657% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.3657% | 1,388 |
| Net charge-offs to loans | 0.7736% | 1,516 |
| Credit loss provision to net charge-offs | 90.3846% | 3,464 |
| Earnings coverage of net charge-offs (x) | 2.7308% | 4,062 |
| Efficiency ratio | 80.5594% | 2,076 |
| Assets per employee ($millions) | 3.3421% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 3,633 |
| Loan loss allowance to noncurrent loans | 113.4417% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 5,203 |
| Noncurrent loans to loans | 1.3465% | 3,587 |
| Net loans and leases to total assets | 37.0351% | 6,367 |
| Net loans and leases to deposits | 40.9532% | 6,506 |
| Net loans and leases to core deposits | 42.7943% | 6,514 |
| Total domestic deposits to total assets | 90.4327% | 735 |
| Equity capital to assets | 7.8461% | 6,482 |
| Core capital (leverage) ratio | 8.5550% | 5,533 |
| Tier 1 risk-based capital ratio | 14.4310% | 4,078 |
| Total risk-based capital ratio | 15.4398% | 4,210 |
| Memoranda: | ||
| Average total assets | $128,616,200 | 4,174 |
| Average earning assets | $116,673,400 | 4,193 |
| Average equity | $10,263,800 | 4,921 |
| Average total loans | $47,051,000 | 5,208 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 4,285 |
| Cost of funding earning assets | 0.6286% | 4,380 |
| Net interest margin | 3.7138% | 3,733 |
| Noninterest income to average assets | 0.6324% | 3,094 |
| Noninterest expense to average assets | 3.1901% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7328% | 3,762 |
| Return on assets (ROA) | 0.7685% | 3,863 |
| Pretax return on assets | 0.8397% | 4,338 |
| Return on Equity (ROE) | 9.5875% | 2,549 |
| Retained earnings to average equity (ytd only) | 9.5875% | 1,032 |
| Net charge-offs to loans | 0.0288% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 76.5169% | 533 |
| Efficiency ratio | 79.9318% | 2,103 |
| Assets per employee ($millions) | 3.2134% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 3,249 |
| Loan loss allowance to noncurrent loans | 190.6250% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 5,887 |
| Noncurrent loans to loans | 0.8771% | 4,670 |
| Net loans and leases to total assets | 36.2829% | 6,535 |
| Net loans and leases to deposits | 40.5585% | 6,659 |
| Net loans and leases to core deposits | 42.4784% | 6,655 |
| Total domestic deposits to total assets | 89.4583% | 1,154 |
| Equity capital to assets | 8.3688% | 6,372 |
| Core capital (leverage) ratio | 8.7913% | 5,363 |
| Tier 1 risk-based capital ratio | 15.0910% | 3,783 |
| Total risk-based capital ratio | 16.1824% | 3,849 |
| Memoranda: | ||
| Average total assets | $127,349,250 | 4,242 |
| Average earning assets | $115,170,500 | 4,263 |
| Average equity | $10,207,500 | 4,977 |
| Average total loans | $46,244,250 | 5,303 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 4,002 |
| Cost of funding earning assets | 0.6445% | 4,491 |
| Net interest margin | 3.8004% | 3,359 |
| Noninterest income to average assets | 0.6317% | 3,065 |
| Noninterest expense to average assets | 3.1240% | 2,835 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8019% | 3,393 |
| Return on assets (ROA) | 0.8507% | 3,411 |
| Pretax return on assets | 0.9925% | 3,734 |
| Return on Equity (ROE) | 10.7738% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.7738% | 788 |
| Net charge-offs to loans | 0.0393% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 591 |
| Efficiency ratio | 76.9499% | 2,602 |
| Assets per employee ($millions) | 3.1530% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 3,250 |
| Loan loss allowance to noncurrent loans | 166.1088% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 5,834 |
| Noncurrent loans to loans | 1.0190% | 4,469 |
| Net loans and leases to total assets | 36.5636% | 6,578 |
| Net loans and leases to deposits | 40.8179% | 6,704 |
| Net loans and leases to core deposits | 42.2921% | 6,720 |
| Total domestic deposits to total assets | 89.5774% | 1,178 |
| Equity capital to assets | 8.2984% | 6,380 |
| Core capital (leverage) ratio | 8.7835% | 5,243 |
| Tier 1 risk-based capital ratio | 15.0508% | 3,735 |
| Total risk-based capital ratio | 16.1605% | 3,774 |
| Memoranda: | ||
| Average total assets | $126,953,330 | 4,269 |
| Average earning assets | $114,513,670 | 4,297 |
| Average equity | $10,024,330 | 5,023 |
| Average total loans | $45,849,000 | 5,348 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 4,963 |
| Cost of funding earning assets | 0.6786% | 4,478 |
| Net interest margin | 3.5611% | 4,438 |
| Noninterest income to average assets | 0.5621% | 3,480 |
| Noninterest expense to average assets | 2.9834% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6793% | 3,984 |
| Return on assets (ROA) | 0.7788% | 3,723 |
| Pretax return on assets | 0.8887% | 4,074 |
| Return on Equity (ROE) | 10.1188% | 2,356 |
| Retained earnings to average equity (ytd only) | 10.1188% | 1,236 |
| Net charge-offs to loans | -0.1500% | 6,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3651% | 2,292 |
| Assets per employee ($millions) | 3.3226% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8194% | 2,927 |
| Loan loss allowance to noncurrent loans | 131.2000% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 5,654 |
| Noncurrent loans to loans | 1.3867% | 4,033 |
| Net loans and leases to total assets | 34.1490% | 6,731 |
| Net loans and leases to deposits | 37.8278% | 6,829 |
| Net loans and leases to core deposits | 39.1449% | 6,843 |
| Total domestic deposits to total assets | 90.2749% | 928 |
| Equity capital to assets | 7.6693% | 6,707 |
| Core capital (leverage) ratio | 8.6103% | 5,432 |
| Tier 1 risk-based capital ratio | 14.9936% | 3,768 |
| Total risk-based capital ratio | 16.1668% | 3,781 |
| Memoranda: | ||
| Average total assets | $127,370,000 | 4,297 |
| Average earning assets | $114,347,500 | 4,327 |
| Average equity | $9,803,500 | 5,090 |
| Average total loans | $45,319,500 | 5,399 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 5,226 |
| Cost of funding earning assets | 0.8838% | 4,228 |
| Net interest margin | 3.5741% | 4,831 |
| Noninterest income to average assets | 0.7428% | 2,375 |
| Noninterest expense to average assets | 3.1671% | 2,978 |
| Loan and lease loss provision to assets | 0.2826% | 3,407 |
| Net operating income to assets | 0.4906% | 4,465 |
| Return on assets (ROA) | 0.5381% | 4,471 |
| Pretax return on assets | 0.5037% | 4,982 |
| Return on Equity (ROE) | 6.7053% | 3,533 |
| Retained earnings to average equity (ytd only) | 4.3784% | 3,061 |
| Net charge-offs to loans | 0.6821% | 2,449 |
| Credit loss provision to net charge-offs | 110.5769% | 3,017 |
| Earnings coverage of net charge-offs (x) | 2.8910% | 3,760 |
| Efficiency ratio | 81.0862% | 2,153 |
| Assets per employee ($millions) | 3.2092% | 5,690 |
| Cash dividends to net income (ytd only)* | 34.7032% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 2,985 |
| Loan loss allowance to noncurrent loans | 201.2531% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 6,179 |
| Noncurrent loans to loans | 0.8756% | 4,936 |
| Net loans and leases to total assets | 35.7668% | 6,781 |
| Net loans and leases to deposits | 39.5272% | 6,906 |
| Net loans and leases to core deposits | 40.7473% | 6,924 |
| Total domestic deposits to total assets | 90.4864% | 730 |
| Equity capital to assets | 7.7254% | 6,719 |
| Core capital (leverage) ratio | 8.2017% | 5,993 |
| Tier 1 risk-based capital ratio | 14.6243% | 3,883 |
| Total risk-based capital ratio | 15.7721% | 3,934 |
| Memoranda: | ||
| Average total assets | $122,098,800 | 4,345 |
| Average earning assets | $108,054,600 | 4,446 |
| Average equity | $9,798,200 | 5,075 |
| Average total loans | $45,743,400 | 5,434 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 5,220 |
| Cost of funding earning assets | 0.9359% | 4,149 |
| Net interest margin | 3.5792% | 4,854 |
| Noninterest income to average assets | 0.8121% | 1,995 |
| Noninterest expense to average assets | 3.3318% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6076% | 4,051 |
| Return on assets (ROA) | 0.6681% | 3,952 |
| Pretax return on assets | 0.7044% | 4,462 |
| Return on Equity (ROE) | 8.2463% | 2,939 |
| Retained earnings to average equity (ytd only) | 6.6187% | 2,189 |
| Net charge-offs to loans | 0.1252% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 13.5585% | 1,604 |
| Efficiency ratio | 83.8728% | 1,741 |
| Assets per employee ($millions) | 2.9116% | 6,291 |
| Cash dividends to net income (ytd only)* | 19.7372% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 3,353 |
| Loan loss allowance to noncurrent loans | 124.2735% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 5,885 |
| Noncurrent loans to loans | 1.3487% | 4,281 |
| Net loans and leases to total assets | 34.8745% | 6,917 |
| Net loans and leases to deposits | 39.1944% | 7,004 |
| Net loans and leases to core deposits | 40.8488% | 7,014 |
| Total domestic deposits to total assets | 88.9784% | 1,440 |
| Equity capital to assets | 8.6133% | 6,183 |
| Core capital (leverage) ratio | 8.2174% | 6,115 |
| Tier 1 risk-based capital ratio | 15.2568% | 3,516 |
| Total risk-based capital ratio | 16.3348% | 3,584 |
| Memoranda: | ||
| Average total assets | $121,334,000 | 4,384 |
| Average earning assets | $107,134,500 | 4,503 |
| Average equity | $9,830,500 | 5,087 |
| Average total loans | $45,787,250 | 5,477 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 5,456 |
| Cost of funding earning assets | 0.9607% | 4,245 |
| Net interest margin | 3.5082% | 5,121 |
| Noninterest income to average assets | 0.9073% | 1,626 |
| Noninterest expense to average assets | 3.3533% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6083% | 4,022 |
| Return on assets (ROA) | 0.6974% | 3,672 |
| Pretax return on assets | 0.7520% | 4,206 |
| Return on Equity (ROE) | 8.7950% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.2941% | 2,248 |
| Net charge-offs to loans | 0.1717% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.9250% | 1,867 |
| Efficiency ratio | 83.6356% | 1,864 |
| Assets per employee ($millions) | 2.8443% | 6,398 |
| Cash dividends to net income (ytd only)* | 28.4360% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 3,704 |
| Loan loss allowance to noncurrent loans | 125.2144% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 5,988 |
| Noncurrent loans to loans | 1.2750% | 4,536 |
| Net loans and leases to total assets | 35.9537% | 6,960 |
| Net loans and leases to deposits | 40.2525% | 7,055 |
| Net loans and leases to core deposits | 42.1037% | 7,064 |
| Total domestic deposits to total assets | 89.3206% | 1,347 |
| Equity capital to assets | 8.3446% | 6,371 |
| Core capital (leverage) ratio | 8.1847% | 6,056 |
| Tier 1 risk-based capital ratio | 14.5541% | 3,751 |
| Total risk-based capital ratio | 15.6057% | 3,869 |
| Memoranda: | ||
| Average total assets | $121,016,330 | 4,423 |
| Average earning assets | $107,007,670 | 4,534 |
| Average equity | $9,596,330 | 5,156 |
| Average total loans | $46,591,670 | 5,494 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 5,670 |
| Cost of funding earning assets | 1.0048% | 4,168 |
| Net interest margin | 3.4013% | 5,427 |
| Noninterest income to average assets | 1.0155% | 1,281 |
| Noninterest expense to average assets | 3.3863% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6189% | 3,932 |
| Return on assets (ROA) | 0.6221% | 3,979 |
| Pretax return on assets | 0.6490% | 4,492 |
| Return on Equity (ROE) | 8.0672% | 2,877 |
| Retained earnings to average equity (ytd only) | 2.8344% | 4,468 |
| Net charge-offs to loans | -0.3232% | 7,349 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9867% | 1,956 |
| Assets per employee ($millions) | 2.7478% | 6,631 |
| Cash dividends to net income (ytd only)* | 64.8649% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 3,245 |
| Loan loss allowance to noncurrent loans | 140.5217% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 6,037 |
| Noncurrent loans to loans | 1.2303% | 4,628 |
| Net loans and leases to total assets | 37.9873% | 6,905 |
| Net loans and leases to deposits | 41.8931% | 7,027 |
| Net loans and leases to core deposits | 43.5839% | 7,051 |
| Total domestic deposits to total assets | 90.6767% | 771 |
| Equity capital to assets | 7.4805% | 6,877 |
| Core capital (leverage) ratio | 8.2866% | 5,831 |
| Tier 1 risk-based capital ratio | 14.6478% | 3,642 |
| Total risk-based capital ratio | 15.8474% | 3,634 |
| Memoranda: | ||
| Average total assets | $118,951,000 | 4,514 |
| Average earning assets | $105,490,000 | 4,603 |
| Average equity | $9,173,000 | 5,267 |
| Average total loans | $47,025,000 | 5,516 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 4,521 |
| Cost of funding earning assets | 1.2794% | 4,021 |
| Net interest margin | 3.7290% | 4,233 |
| Noninterest income to average assets | 0.7637% | 2,466 |
| Noninterest expense to average assets | 3.4479% | 2,313 |
| Loan and lease loss provision to assets | 0.2386% | 4,903 |
| Net operating income to assets | 0.4563% | 4,284 |
| Return on assets (ROA) | 0.4563% | 4,455 |
| Pretax return on assets | 0.3379% | 5,117 |
| Return on Equity (ROE) | 5.2380% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.0436% | 3,028 |
| Net charge-offs to loans | 0.3709% | 4,177 |
| Credit loss provision to net charge-offs | 145.3488% | 2,541 |
| Earnings coverage of net charge-offs (x) | 3.5116% | 3,327 |
| Efficiency ratio | 85.6736% | 1,728 |
| Assets per employee ($millions) | 2.6591% | 6,752 |
| Cash dividends to net income (ytd only)* | 22.8033% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 3,477 |
| Loan loss allowance to noncurrent loans | 343.7500% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 6,748 |
| Noncurrent loans to loans | 0.4734% | 6,095 |
| Net loans and leases to total assets | 39.7817% | 6,976 |
| Net loans and leases to deposits | 44.1687% | 7,117 |
| Net loans and leases to core deposits | 45.8825% | 7,144 |
| Total domestic deposits to total assets | 90.0676% | 1,059 |
| Equity capital to assets | 7.9504% | 6,541 |
| Core capital (leverage) ratio | 8.8268% | 4,813 |
| Tier 1 risk-based capital ratio | 15.8229% | 2,828 |
| Total risk-based capital ratio | 17.0660% | 2,798 |
| Memoranda: | ||
| Average total assets | $104,758,800 | 4,856 |
| Average earning assets | $91,607,000 | 4,960 |
| Average equity | $9,125,600 | 5,385 |
| Average total loans | $46,375,600 | 5,623 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 4,078 |
| Cost of funding earning assets | 1.3384% | 3,986 |
| Net interest margin | 3.8119% | 3,925 |
| Noninterest income to average assets | 0.8496% | 2,001 |
| Noninterest expense to average assets | 3.4900% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6267% | 3,765 |
| Return on assets (ROA) | 0.6267% | 3,934 |
| Pretax return on assets | 0.6791% | 4,305 |
| Return on Equity (ROE) | 7.0178% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.0178% | 1,834 |
| Net charge-offs to loans | 0.2745% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 5.4528% | 2,744 |
| Efficiency ratio | 83.7107% | 1,865 |
| Assets per employee ($millions) | 2.4335% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 5,096 |
| Loan loss allowance to noncurrent loans | 101.3582% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 6,077 |
| Noncurrent loans to loans | 1.2559% | 4,754 |
| Net loans and leases to total assets | 42.2828% | 6,959 |
| Net loans and leases to deposits | 47.5810% | 7,104 |
| Net loans and leases to core deposits | 49.7539% | 7,133 |
| Total domestic deposits to total assets | 88.8647% | 1,468 |
| Equity capital to assets | 8.7692% | 5,903 |
| Core capital (leverage) ratio | 9.5547% | 3,822 |
| Tier 1 risk-based capital ratio | 15.5651% | 2,962 |
| Total risk-based capital ratio | 16.5028% | 3,094 |
| Memoranda: | ||
| Average total assets | $101,698,250 | 4,996 |
| Average earning assets | $88,563,500 | 5,127 |
| Average equity | $9,081,500 | 5,469 |
| Average total loans | $46,140,750 | 5,722 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 3,620 |
| Cost of funding earning assets | 1.3537% | 4,169 |
| Net interest margin | 3.9120% | 3,393 |
| Noninterest income to average assets | 0.9345% | 1,565 |
| Noninterest expense to average assets | 3.4956% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7306% | 3,271 |
| Return on assets (ROA) | 0.7306% | 3,425 |
| Pretax return on assets | 0.8275% | 3,788 |
| Return on Equity (ROE) | 8.1278% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.1278% | 1,400 |
| Net charge-offs to loans | 0.3661% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 4.8810% | 2,814 |
| Efficiency ratio | 80.8590% | 2,320 |
| Assets per employee ($millions) | 2.5681% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 4,808 |
| Loan loss allowance to noncurrent loans | 87.6081% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 5,846 |
| Noncurrent loans to loans | 1.5071% | 4,449 |
| Net loans and leases to total assets | 43.1573% | 6,972 |
| Net loans and leases to deposits | 48.4678% | 7,141 |
| Net loans and leases to core deposits | 50.7584% | 7,182 |
| Total domestic deposits to total assets | 89.0431% | 1,411 |
| Equity capital to assets | 8.7070% | 5,873 |
| Core capital (leverage) ratio | 9.7231% | 3,509 |
| Tier 1 risk-based capital ratio | 15.6900% | 2,810 |
| Total risk-based capital ratio | 16.6640% | 2,904 |
| Memoranda: | ||
| Average total assets | $99,095,000 | 5,110 |
| Average earning assets | $85,837,670 | 5,243 |
| Average equity | $8,907,670 | 5,527 |
| Average total loans | $45,887,670 | 5,765 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 3,971 |
| Cost of funding earning assets | 1.3396% | 4,565 |
| Net interest margin | 3.8693% | 3,461 |
| Noninterest income to average assets | 0.9084% | 1,592 |
| Noninterest expense to average assets | 3.4293% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7250% | 3,331 |
| Return on assets (ROA) | 0.7250% | 3,442 |
| Pretax return on assets | 0.8250% | 3,768 |
| Return on Equity (ROE) | 7.9294% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.9294% | 1,734 |
| Net charge-offs to loans | 0.1485% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 11.6471% | 1,632 |
| Efficiency ratio | 80.6072% | 2,473 |
| Assets per employee ($millions) | 2.4598% | 7,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,049 |
| Loan loss allowance to noncurrent loans | 89.0501% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 5,649 |
| Noncurrent loans to loans | 1.6549% | 4,268 |
| Net loans and leases to total assets | 44.7468% | 6,927 |
| Net loans and leases to deposits | 50.3161% | 7,113 |
| Net loans and leases to core deposits | 52.9553% | 7,159 |
| Total domestic deposits to total assets | 88.9313% | 1,554 |
| Equity capital to assets | 8.8308% | 5,491 |
| Core capital (leverage) ratio | 10.0622% | 3,085 |
| Tier 1 risk-based capital ratio | 15.9161% | 2,683 |
| Total risk-based capital ratio | 17.0345% | 2,679 |
| Memoranda: | ||
| Average total assets | $95,995,500 | 5,257 |
| Average earning assets | $83,012,500 | 5,399 |
| Average equity | $8,777,500 | 5,599 |
| Average total loans | $45,806,500 | 5,850 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7319% | 2,947 |
| Cost of funding earning assets | 1.4424% | 5,751 |
| Net interest margin | 4.2895% | 1,745 |
| Noninterest income to average assets | 1.1544% | 1,158 |
| Noninterest expense to average assets | 3.8002% | 1,695 |
| Loan and lease loss provision to assets | 0.1708% | 5,985 |
| Net operating income to assets | 0.7312% | 2,807 |
| Return on assets (ROA) | 0.7343% | 2,875 |
| Pretax return on assets | 0.8060% | 3,225 |
| Return on Equity (ROE) | 7.6660% | 2,509 |
| Retained earnings to average equity (ytd only) | 6.3705% | 1,199 |
| Net charge-offs to loans | 0.4162% | 4,147 |
| Credit loss provision to net charge-offs | 88.2353% | 6,057 |
| Earnings coverage of net charge-offs (x) | 5.0294% | 2,709 |
| Efficiency ratio | 79.6089% | 2,939 |
| Assets per employee ($millions) | 2.2229% | 7,549 |
| Cash dividends to net income (ytd only)* | 16.8992% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 3,662 |
| Loan loss allowance to noncurrent loans | 147.2340% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 6,163 |
| Noncurrent loans to loans | 1.0260% | 5,261 |
| Net loans and leases to total assets | 49.5046% | 6,686 |
| Net loans and leases to deposits | 56.1539% | 6,912 |
| Net loans and leases to core deposits | 68.1088% | 6,874 |
| Total domestic deposits to total assets | 88.1587% | 1,898 |
| Equity capital to assets | 9.4899% | 4,421 |
| Core capital (leverage) ratio | 10.4623% | 2,643 |
| Tier 1 risk-based capital ratio | 15.9219% | 2,559 |
| Total risk-based capital ratio | 17.0901% | 2,525 |
| Memoranda: | ||
| Average total assets | $87,838,000 | 5,456 |
| Average earning assets | $74,111,200 | 5,674 |
| Average equity | $8,413,800 | 5,798 |
| Average total loans | $40,843,600 | 6,063 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7570% | 3,074 |
| Cost of funding earning assets | 1.4712% | 5,953 |
| Net interest margin | 4.2858% | 1,766 |
| Noninterest income to average assets | 1.1829% | 1,117 |
| Noninterest expense to average assets | 3.8062% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7999% | 2,816 |
| Return on assets (ROA) | 0.7999% | 2,881 |
| Pretax return on assets | 0.9699% | 2,994 |
| Return on Equity (ROE) | 8.3301% | 2,508 |
| Retained earnings to average equity (ytd only) | 8.3301% | 1,033 |
| Net charge-offs to loans | 0.5117% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 4.1645% | 3,235 |
| Efficiency ratio | 79.6920% | 2,899 |
| Assets per employee ($millions) | 2.3194% | 7,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,565 |
| Loan loss allowance to noncurrent loans | 161.3833% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 6,472 |
| Noncurrent loans to loans | 0.7994% | 5,700 |
| Net loans and leases to total assets | 48.6124% | 6,898 |
| Net loans and leases to deposits | 55.7181% | 7,113 |
| Net loans and leases to core deposits | 68.0025% | 7,073 |
| Total domestic deposits to total assets | 87.2470% | 2,052 |
| Equity capital to assets | 10.0481% | 4,028 |
| Core capital (leverage) ratio | 10.5910% | 2,724 |
| Tier 1 risk-based capital ratio | 16.2349% | 2,544 |
| Total risk-based capital ratio | 17.2001% | 2,579 |
| Memoranda: | ||
| Average total assets | $87,012,750 | 5,514 |
| Average earning assets | $72,952,750 | 5,755 |
| Average equity | $8,355,000 | 5,867 |
| Average total loans | $39,602,000 | 6,176 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 3,291 |
| Cost of funding earning assets | 1.5023% | 6,131 |
| Net interest margin | 4.2485% | 1,824 |
| Noninterest income to average assets | 1.2027% | 1,079 |
| Noninterest expense to average assets | 3.7882% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7895% | 2,892 |
| Return on assets (ROA) | 0.7895% | 2,986 |
| Pretax return on assets | 0.9465% | 3,192 |
| Return on Equity (ROE) | 8.3537% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.3537% | 1,104 |
| Net charge-offs to loans | 0.5478% | 2,682 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.9048% | 3,279 |
| Efficiency ratio | 80.0098% | 3,041 |
| Assets per employee ($millions) | 2.2713% | 7,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 3,238 |
| Loan loss allowance to noncurrent loans | 165.3951% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 6,397 |
| Noncurrent loans to loans | 0.9026% | 5,410 |
| Net loans and leases to total assets | 46.4060% | 7,168 |
| Net loans and leases to deposits | 52.8522% | 7,334 |
| Net loans and leases to core deposits | 62.8489% | 7,345 |
| Total domestic deposits to total assets | 87.8033% | 1,865 |
| Equity capital to assets | 9.6964% | 4,355 |
| Core capital (leverage) ratio | 10.4700% | 2,837 |
| Tier 1 risk-based capital ratio | 16.5972% | 2,421 |
| Total risk-based capital ratio | 17.6876% | 2,414 |
| Memoranda: | ||
| Average total assets | $86,638,330 | 5,565 |
| Average earning assets | $72,024,670 | 5,823 |
| Average equity | $8,188,000 | 5,957 |
| Average total loans | $38,334,330 | 6,280 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7828% | 3,390 |
| Cost of funding earning assets | 1.5507% | 6,233 |
| Net interest margin | 4.2321% | 1,798 |
| Noninterest income to average assets | 1.1290% | 1,157 |
| Noninterest expense to average assets | 3.6635% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7742% | 3,240 |
| Return on assets (ROA) | 0.7742% | 3,415 |
| Pretax return on assets | 0.9493% | 3,537 |
| Return on Equity (ROE) | 8.2989% | 3,016 |
| Retained earnings to average equity (ytd only) | 8.2989% | 1,711 |
| Net charge-offs to loans | 1.0438% | 1,297 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.1237% | 3,665 |
| Efficiency ratio | 79.4206% | 2,922 |
| Assets per employee ($millions) | 2.2541% | 7,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 2,383 |
| Loan loss allowance to noncurrent loans | 164.8794% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 6,234 |
| Noncurrent loans to loans | 0.9917% | 5,011 |
| Net loans and leases to total assets | 42.0856% | 7,459 |
| Net loans and leases to deposits | 47.7141% | 7,588 |
| Net loans and leases to core deposits | 54.7471% | 7,657 |
| Total domestic deposits to total assets | 88.2037% | 1,649 |
| Equity capital to assets | 9.3915% | 4,817 |
| Core capital (leverage) ratio | 10.4253% | 3,006 |
| Tier 1 risk-based capital ratio | 16.8692% | 2,377 |
| Total risk-based capital ratio | 18.0137% | 2,346 |
| Memoranda: | ||
| Average total assets | $86,802,500 | 5,582 |
| Average earning assets | $71,453,500 | 5,865 |
| Average equity | $8,097,500 | 6,018 |
| Average total loans | $37,171,500 | 6,372 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9049% | 6,013 |
| Cost of funding earning assets | 1.9991% | 6,420 |
| Net interest margin | 3.9058% | 3,527 |
| Noninterest income to average assets | 1.1862% | 1,085 |
| Noninterest expense to average assets | 3.6056% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6440% | 4,130 |
| Return on assets (ROA) | 0.6440% | 3,981 |
| Pretax return on assets | 0.7509% | 4,240 |
| Return on Equity (ROE) | 6.0589% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.6220% | 2,251 |
| Net charge-offs to loans | 0.0152% | 6,676 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 385 |
| Efficiency ratio | 82.7637% | 2,210 |
| Assets per employee ($millions) | 2.1424% | 7,779 |
| Cash dividends to net income (ytd only)* | 23.7154% | 4,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 1,342 |
| Loan loss allowance to noncurrent loans | 82.2171% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 4,300 |
| Noncurrent loans to loans | 2.3577% | 2,334 |
| Net loans and leases to total assets | 42.0311% | 7,585 |
| Net loans and leases to deposits | 47.5078% | 7,733 |
| Net loans and leases to core deposits | 54.4447% | 7,787 |
| Total domestic deposits to total assets | 88.4720% | 1,267 |
| Equity capital to assets | 9.2641% | 4,983 |
| Core capital (leverage) ratio | 10.4251% | 3,046 |
| Tier 1 risk-based capital ratio | 17.6321% | 2,139 |
| Total risk-based capital ratio | 18.8846% | 2,078 |
| Memoranda: | ||
| Average total assets | $78,572,600 | 5,747 |
| Average earning assets | $63,777,200 | 6,026 |
| Average equity | $8,351,400 | 5,964 |
| Average total loans | $32,916,800 | 6,555 |