Home > Cornerstone Community Bank > Performance and Condition Ratios
Cornerstone Community Bank, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9218% | 1,708 |
| Cost of funding earning assets | 1.3587% | 1,558 |
| Net interest margin | 3.5630% | 2,123 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.7063% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7611% | 701 |
| Return on assets (ROA) | 1.7611% | 703 |
| Pretax return on assets | 1.7611% | 1,092 |
| Return on Equity (ROE) | 11.9200% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.1913% | 1,632 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.2089% | 3,986 |
| Assets per employee ($millions) | 8.7233% | 994 |
| Cash dividends to net income (ytd only)* | 22.9043% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 83.5500% | 303 |
| Net loans and leases to deposits | 109.0320% | 220 |
| Net loans and leases to core deposits | 111.9416% | 750 |
| Total domestic deposits to total assets | 76.6300% | 3,991 |
| Equity capital to assets | 18.2440% | 334 |
| Core capital (leverage) ratio | 9.4049% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $247,907,333 | 2,701 |
| Average earning assets | $222,562,333 | 2,752 |
| Average equity | $36,621,667 | 1,993 |
| Average total loans | $206,213,000 | 2,247 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 1,797 |
| Cost of funding earning assets | 1.1684% | 1,539 |
| Net interest margin | 3.5532% | 2,236 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.7489% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7757% | 706 |
| Return on assets (ROA) | 1.7757% | 699 |
| Pretax return on assets | 1.7757% | 1,116 |
| Return on Equity (ROE) | 13.4900% | 1,882 |
| Retained earnings to average equity (ytd only) | 13.4898% | 1,008 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.6204% | 3,971 |
| Assets per employee ($millions) | 9.3456% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 82.4000% | 332 |
| Net loans and leases to deposits | 108.1221% | 213 |
| Net loans and leases to core deposits | 111.1691% | 665 |
| Total domestic deposits to total assets | 76.2100% | 4,149 |
| Equity capital to assets | 16.8092% | 355 |
| Core capital (leverage) ratio | 11.6025% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $254,096,000 | 2,703 |
| Average earning assets | $232,803,000 | 2,719 |
| Average equity | $33,447,500 | 2,145 |
| Average total loans | $210,929,000 | 2,234 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 743 |
| Cost of funding earning assets | 0.3841% | 2,227 |
| Net interest margin | 4.1013% | 654 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 3.2183% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5483% | 3,993 |
| Return on assets (ROA) | 0.4516% | 4,128 |
| Pretax return on assets | 0.6327% | 3,972 |
| Return on Equity (ROE) | 4.5400% | 4,083 |
| Retained earnings to average equity (ytd only) | -0.2008% | 4,377 |
| Net charge-offs to loans | -0.0005% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.9979% | 652 |
| Assets per employee ($millions) | 9.4763% | 787 |
| Cash dividends to net income (ytd only)* | 104.4248% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 1,004 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.2800% | 384 |
| Net loans and leases to deposits | 99.4281% | 460 |
| Net loans and leases to core deposits | 100.5713% | 974 |
| Total domestic deposits to total assets | 82.7600% | 3,470 |
| Equity capital to assets | 9.5677% | 1,957 |
| Core capital (leverage) ratio | 10.0258% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $250,196,200 | 2,733 |
| Average earning assets | $226,219,200 | 2,762 |
| Average equity | $24,895,600 | 2,590 |
| Average total loans | $212,568,000 | 2,150 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 517 |
| Cost of funding earning assets | 0.2984% | 2,185 |
| Net interest margin | 4.1721% | 446 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.2477% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2932% | 1,371 |
| Return on assets (ROA) | 1.2932% | 1,340 |
| Pretax return on assets | 1.7680% | 786 |
| Return on Equity (ROE) | 12.8700% | 1,745 |
| Retained earnings to average equity (ytd only) | 7.0026% | 2,358 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.9722% | 3,626 |
| Assets per employee ($millions) | 8.9438% | 911 |
| Cash dividends to net income (ytd only)* | 45.5864% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 1,116 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 84.8100% | 198 |
| Net loans and leases to deposits | 102.2989% | 294 |
| Net loans and leases to core deposits | 103.4973% | 673 |
| Total domestic deposits to total assets | 82.9100% | 3,704 |
| Equity capital to assets | 10.2977% | 1,471 |
| Core capital (leverage) ratio | 10.3700% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $248,780,250 | 2,757 |
| Average earning assets | $222,518,750 | 2,808 |
| Average equity | $24,999,500 | 2,622 |
| Average total loans | $212,229,000 | 2,152 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 417 |
| Cost of funding earning assets | 0.2649% | 2,093 |
| Net interest margin | 4.1666% | 356 |
| Noninterest income to average assets | 0.2876% | 3,455 |
| Noninterest expense to average assets | 2.2753% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2150% | 1,383 |
| Return on assets (ROA) | 1.2150% | 1,369 |
| Pretax return on assets | 1.6622% | 821 |
| Return on Equity (ROE) | 12.1924% | 1,621 |
| Retained earnings to average equity (ytd only) | 5.3200% | 2,583 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7860% | 3,589 |
| Assets per employee ($millions) | 8.5287% | 1,054 |
| Cash dividends to net income (ytd only)* | 56.3660% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 1,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 85.4306% | 112 |
| Net loans and leases to deposits | 102.8805% | 189 |
| Net loans and leases to core deposits | 104.4004% | 492 |
| Total domestic deposits to total assets | 83.0387% | 3,868 |
| Equity capital to assets | 10.1838% | 1,599 |
| Core capital (leverage) ratio | 10.1758% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,231,667 | 2,788 |
| Average earning assets | $217,441,000 | 2,869 |
| Average equity | $24,736,667 | 2,696 |
| Average total loans | $211,044,000 | 2,163 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 295 |
| Cost of funding earning assets | 0.2702% | 1,925 |
| Net interest margin | 4.2587% | 258 |
| Noninterest income to average assets | 0.2927% | 3,369 |
| Noninterest expense to average assets | 2.3210% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1452% | 1,395 |
| Return on assets (ROA) | 1.1452% | 1,391 |
| Pretax return on assets | 1.5715% | 877 |
| Return on Equity (ROE) | 11.6193% | 1,420 |
| Retained earnings to average equity (ytd only) | -0.6201% | 4,100 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6281% | 3,522 |
| Assets per employee ($millions) | 8.5185% | 1,103 |
| Cash dividends to net income (ytd only)* | 105.3371% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 83.2935% | 109 |
| Net loans and leases to deposits | 99.8806% | 178 |
| Net loans and leases to core deposits | 101.4015% | 460 |
| Total domestic deposits to total assets | 83.3931% | 3,885 |
| Equity capital to assets | 9.9143% | 1,964 |
| Core capital (leverage) ratio | 9.8220% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,681,000 | 2,792 |
| Average earning assets | $210,204,000 | 2,928 |
| Average equity | $24,511,000 | 2,804 |
| Average total loans | $209,221,000 | 2,173 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 332 |
| Cost of funding earning assets | 0.3320% | 2,102 |
| Net interest margin | 4.5190% | 260 |
| Noninterest income to average assets | 0.5692% | 2,283 |
| Noninterest expense to average assets | 2.3290% | 2,714 |
| Loan and lease loss provision to assets | -0.0156% | 4,200 |
| Net operating income to assets | 1.6935% | 639 |
| Return on assets (ROA) | 1.6935% | 665 |
| Pretax return on assets | 2.3214% | 337 |
| Return on Equity (ROE) | 17.4890% | 520 |
| Retained earnings to average equity (ytd only) | 13.3481% | 362 |
| Net charge-offs to loans | -0.0175% | 3,936 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2507% | 4,265 |
| Assets per employee ($millions) | 7.8227% | 1,431 |
| Cash dividends to net income (ytd only)* | 23.6776% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 1,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 82.2499% | 166 |
| Net loans and leases to deposits | 98.5261% | 230 |
| Net loans and leases to core deposits | 99.5205% | 556 |
| Total domestic deposits to total assets | 83.4803% | 3,700 |
| Equity capital to assets | 9.7992% | 2,851 |
| Core capital (leverage) ratio | 10.0666% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,668,000 | 2,809 |
| Average earning assets | $212,923,600 | 2,849 |
| Average equity | $22,917,200 | 2,993 |
| Average total loans | $211,284,800 | 2,167 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 391 |
| Cost of funding earning assets | 0.3455% | 2,161 |
| Net interest margin | 4.4846% | 323 |
| Noninterest income to average assets | 0.6362% | 2,067 |
| Noninterest expense to average assets | 2.4208% | 2,370 |
| Loan and lease loss provision to assets | -0.0210% | 4,360 |
| Net operating income to assets | 1.7074% | 815 |
| Return on assets (ROA) | 1.7074% | 854 |
| Pretax return on assets | 2.3390% | 430 |
| Return on Equity (ROE) | 17.6893% | 665 |
| Retained earnings to average equity (ytd only) | 12.7740% | 674 |
| Net charge-offs to loans | -0.0233% | 4,025 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0856% | 4,117 |
| Assets per employee ($millions) | 7.5957% | 1,513 |
| Cash dividends to net income (ytd only)* | 27.7871% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 1,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 89.4766% | 21 |
| Net loans and leases to deposits | 107.9937% | 114 |
| Net loans and leases to core deposits | 109.1620% | 341 |
| Total domestic deposits to total assets | 82.8536% | 3,743 |
| Equity capital to assets | 10.0346% | 2,869 |
| Core capital (leverage) ratio | 10.0881% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,253,500 | 2,857 |
| Average earning assets | $213,375,250 | 2,882 |
| Average equity | $22,514,000 | 3,055 |
| Average total loans | $211,784,750 | 2,188 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 446 |
| Cost of funding earning assets | 0.3654% | 2,177 |
| Net interest margin | 4.4716% | 374 |
| Noninterest income to average assets | 0.7569% | 1,653 |
| Noninterest expense to average assets | 2.4368% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7642% | 772 |
| Return on assets (ROA) | 1.7642% | 813 |
| Pretax return on assets | 2.4153% | 407 |
| Return on Equity (ROE) | 18.5253% | 594 |
| Retained earnings to average equity (ytd only) | 12.1214% | 888 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2216% | 4,222 |
| Assets per employee ($millions) | 8.1686% | 1,132 |
| Cash dividends to net income (ytd only)* | 34.5685% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 1,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 88.5053% | 32 |
| Net loans and leases to deposits | 107.3460% | 139 |
| Net loans and leases to core deposits | 109.0966% | 389 |
| Total domestic deposits to total assets | 82.4486% | 3,831 |
| Equity capital to assets | 9.9741% | 2,873 |
| Core capital (leverage) ratio | 9.6906% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,516,000 | 2,864 |
| Average earning assets | $212,942,333 | 2,882 |
| Average equity | $22,142,667 | 3,075 |
| Average total loans | $211,020,000 | 2,203 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 467 |
| Cost of funding earning assets | 0.3803% | 2,259 |
| Net interest margin | 4.4511% | 390 |
| Noninterest income to average assets | 0.8071% | 1,566 |
| Noninterest expense to average assets | 2.4333% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8139% | 765 |
| Return on assets (ROA) | 1.8139% | 816 |
| Pretax return on assets | 2.4879% | 446 |
| Return on Equity (ROE) | 19.4979% | 571 |
| Retained earnings to average equity (ytd only) | 12.3444% | 1,063 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4452% | 4,233 |
| Assets per employee ($millions) | 8.0246% | 1,189 |
| Cash dividends to net income (ytd only)* | 36.6886% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 1,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 88.7890% | 32 |
| Net loans and leases to deposits | 108.1190% | 151 |
| Net loans and leases to core deposits | 110.1680% | 401 |
| Total domestic deposits to total assets | 82.1216% | 3,871 |
| Equity capital to assets | 9.1984% | 3,496 |
| Core capital (leverage) ratio | 9.4564% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,413,000 | 2,831 |
| Average earning assets | $216,666,000 | 2,843 |
| Average equity | $21,807,500 | 3,094 |
| Average total loans | $213,618,500 | 2,191 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 379 |
| Cost of funding earning assets | 0.6510% | 1,987 |
| Net interest margin | 4.4828% | 343 |
| Noninterest income to average assets | 0.7512% | 1,685 |
| Noninterest expense to average assets | 2.3743% | 3,192 |
| Loan and lease loss provision to assets | 0.0999% | 3,085 |
| Net operating income to assets | 1.8069% | 380 |
| Return on assets (ROA) | 1.8069% | 412 |
| Pretax return on assets | 2.4778% | 194 |
| Return on Equity (ROE) | 19.8297% | 239 |
| Retained earnings to average equity (ytd only) | 8.1852% | 1,001 |
| Net charge-offs to loans | -0.1529% | 4,867 |
| Credit loss provision to net charge-offs | -72.8155% | 3,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9469% | 4,633 |
| Assets per employee ($millions) | 6.7085% | 1,778 |
| Cash dividends to net income (ytd only)* | 58.7224% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 1,253 |
| Loan loss allowance to noncurrent loans | 37,688.8889% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,442 |
| Noncurrent loans to loans | 0.0043% | 4,385 |
| Net loans and leases to total assets | 90.6247% | 23 |
| Net loans and leases to deposits | 111.1216% | 156 |
| Net loans and leases to core deposits | 114.0743% | 407 |
| Total domestic deposits to total assets | 81.5546% | 3,755 |
| Equity capital to assets | 9.4134% | 3,690 |
| Core capital (leverage) ratio | 9.3068% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,244,000 | 2,762 |
| Average earning assets | $211,074,400 | 2,741 |
| Average equity | $20,524,800 | 3,137 |
| Average total loans | $202,109,400 | 2,218 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7957% | 883 |
| Cost of funding earning assets | 0.7131% | 1,942 |
| Net interest margin | 4.0826% | 926 |
| Noninterest income to average assets | 0.6199% | 2,101 |
| Noninterest expense to average assets | 2.3307% | 3,339 |
| Loan and lease loss provision to assets | 0.1278% | 2,752 |
| Net operating income to assets | 1.4513% | 994 |
| Return on assets (ROA) | 1.4513% | 1,088 |
| Pretax return on assets | 1.9863% | 531 |
| Return on Equity (ROE) | 16.0614% | 540 |
| Retained earnings to average equity (ytd only) | 10.0154% | 760 |
| Net charge-offs to loans | -0.0007% | 3,791 |
| Credit loss provision to net charge-offs | -21,500.0000% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4382% | 4,299 |
| Assets per employee ($millions) | 7.3684% | 1,291 |
| Cash dividends to net income (ytd only)* | 37.6432% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,730 |
| Loan loss allowance to noncurrent loans | 714.8837% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 3,517 |
| Noncurrent loans to loans | 0.1962% | 3,605 |
| Net loans and leases to total assets | 91.6477% | 19 |
| Net loans and leases to deposits | 117.6609% | 132 |
| Net loans and leases to core deposits | 121.3811% | 387 |
| Total domestic deposits to total assets | 77.8913% | 4,217 |
| Equity capital to assets | 9.0398% | 4,091 |
| Core capital (leverage) ratio | 8.9934% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,532,750 | 2,738 |
| Average earning assets | $210,351,750 | 2,725 |
| Average equity | $20,288,250 | 3,153 |
| Average total loans | $200,112,500 | 2,234 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 1,106 |
| Cost of funding earning assets | 0.8091% | 1,782 |
| Net interest margin | 4.0176% | 1,275 |
| Noninterest income to average assets | 0.5635% | 2,289 |
| Noninterest expense to average assets | 2.3643% | 3,361 |
| Loan and lease loss provision to assets | 0.1314% | 2,706 |
| Net operating income to assets | 1.3344% | 1,268 |
| Return on assets (ROA) | 1.3344% | 1,367 |
| Pretax return on assets | 1.8235% | 775 |
| Return on Equity (ROE) | 14.7699% | 742 |
| Retained earnings to average equity (ytd only) | 8.5531% | 1,148 |
| Net charge-offs to loans | -0.0010% | 3,754 |
| Credit loss provision to net charge-offs | -14,500.0000% | 4,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7399% | 4,093 |
| Assets per employee ($millions) | 7.3678% | 1,238 |
| Cash dividends to net income (ytd only)* | 42.0910% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,537 |
| Loan loss allowance to noncurrent loans | 627.1399% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 3,521 |
| Noncurrent loans to loans | 0.2255% | 3,573 |
| Net loans and leases to total assets | 88.8026% | 49 |
| Net loans and leases to deposits | 113.5955% | 164 |
| Net loans and leases to core deposits | 117.2679% | 494 |
| Total domestic deposits to total assets | 78.1744% | 4,167 |
| Equity capital to assets | 8.7565% | 4,305 |
| Core capital (leverage) ratio | 8.8926% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,780,333 | 2,750 |
| Average earning assets | $206,393,667 | 2,737 |
| Average equity | $19,946,000 | 3,179 |
| Average total loans | $193,760,000 | 2,266 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 1,506 |
| Cost of funding earning assets | 0.9533% | 1,637 |
| Net interest margin | 3.8152% | 1,918 |
| Noninterest income to average assets | 0.4051% | 3,055 |
| Noninterest expense to average assets | 2.4999% | 3,265 |
| Loan and lease loss provision to assets | 0.0938% | 2,507 |
| Net operating income to assets | 0.9958% | 2,184 |
| Return on assets (ROA) | 0.9958% | 2,291 |
| Pretax return on assets | 1.3616% | 1,682 |
| Return on Equity (ROE) | 10.8387% | 1,462 |
| Retained earnings to average equity (ytd only) | 2.2657% | 3,348 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2053% | 3,340 |
| Assets per employee ($millions) | 6.6050% | 1,292 |
| Cash dividends to net income (ytd only)* | 79.0960% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,240 |
| Loan loss allowance to noncurrent loans | 277.2164% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 2,507 |
| Noncurrent loans to loans | 0.5528% | 2,619 |
| Net loans and leases to total assets | 88.4080% | 64 |
| Net loans and leases to deposits | 112.6939% | 152 |
| Net loans and leases to core deposits | 116.5602% | 571 |
| Total domestic deposits to total assets | 78.4497% | 4,148 |
| Equity capital to assets | 9.4161% | 4,302 |
| Core capital (leverage) ratio | 9.5185% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9696% | 3,334 |
| Memoranda: | ||
| Average total assets | $213,286,000 | 2,766 |
| Average earning assets | $198,470,500 | 2,755 |
| Average equity | $19,596,500 | 3,205 |
| Average total loans | $184,453,500 | 2,314 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1102% | 1,193 |
| Cost of funding earning assets | 1.0452% | 1,531 |
| Net interest margin | 4.0650% | 1,637 |
| Noninterest income to average assets | 0.3912% | 3,353 |
| Noninterest expense to average assets | 2.5020% | 3,447 |
| Loan and lease loss provision to assets | 0.0950% | 2,135 |
| Net operating income to assets | 1.1555% | 2,236 |
| Return on assets (ROA) | 1.1555% | 2,330 |
| Pretax return on assets | 1.5779% | 1,554 |
| Return on Equity (ROE) | 12.8162% | 1,230 |
| Retained earnings to average equity (ytd only) | 7.6292% | 1,104 |
| Net charge-offs to loans | -0.0022% | 4,235 |
| Credit loss provision to net charge-offs | -4,875.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9300% | 3,708 |
| Assets per employee ($millions) | 6.3297% | 1,400 |
| Cash dividends to net income (ytd only)* | 40.4722% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 990 |
| Loan loss allowance to noncurrent loans | 348.1121% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 2,885 |
| Noncurrent loans to loans | 0.4583% | 2,805 |
| Net loans and leases to total assets | 81.9108% | 568 |
| Net loans and leases to deposits | 97.8078% | 775 |
| Net loans and leases to core deposits | 101.8671% | 1,420 |
| Total domestic deposits to total assets | 83.7466% | 2,933 |
| Equity capital to assets | 8.9638% | 4,701 |
| Core capital (leverage) ratio | 9.2421% | 4,327 |
| Tier 1 risk-based capital ratio | 9.7352% | 5,147 |
| Total risk-based capital ratio | 10.9877% | 5,122 |
| Memoranda: | ||
| Average total assets | $205,278,600 | 2,800 |
| Average earning assets | $191,069,000 | 2,787 |
| Average equity | $18,507,800 | 3,276 |
| Average total loans | $179,305,600 | 2,324 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 1,190 |
| Cost of funding earning assets | 1.0690% | 1,475 |
| Net interest margin | 4.0679% | 1,706 |
| Noninterest income to average assets | 0.3425% | 3,680 |
| Noninterest expense to average assets | 2.5233% | 3,368 |
| Loan and lease loss provision to assets | 0.1183% | 1,649 |
| Net operating income to assets | 1.0947% | 2,590 |
| Return on assets (ROA) | 1.0947% | 2,686 |
| Pretax return on assets | 1.4937% | 1,973 |
| Return on Equity (ROE) | 12.1229% | 1,574 |
| Retained earnings to average equity (ytd only) | 7.0262% | 1,850 |
| Net charge-offs to loans | -0.0030% | 4,102 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0175% | 3,469 |
| Assets per employee ($millions) | 5.8834% | 1,689 |
| Cash dividends to net income (ytd only)* | 42.0421% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 1,113 |
| Loan loss allowance to noncurrent loans | 293.5950% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 2,650 |
| Noncurrent loans to loans | 0.5291% | 2,701 |
| Net loans and leases to total assets | 87.4641% | 118 |
| Net loans and leases to deposits | 105.2599% | 348 |
| Net loans and leases to core deposits | 112.5430% | 817 |
| Total domestic deposits to total assets | 83.0934% | 3,135 |
| Equity capital to assets | 9.1511% | 4,698 |
| Core capital (leverage) ratio | 9.0865% | 4,567 |
| Tier 1 risk-based capital ratio | 9.8469% | 5,206 |
| Total risk-based capital ratio | 11.1000% | 5,174 |
| Memoranda: | ||
| Average total assets | $202,795,500 | 2,839 |
| Average earning assets | $189,087,500 | 2,826 |
| Average equity | $18,312,000 | 3,323 |
| Average total loans | $179,347,250 | 2,349 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 1,257 |
| Cost of funding earning assets | 1.0486% | 1,500 |
| Net interest margin | 4.0358% | 1,811 |
| Noninterest income to average assets | 0.2736% | 4,106 |
| Noninterest expense to average assets | 2.4525% | 3,601 |
| Loan and lease loss provision to assets | 0.1090% | 1,716 |
| Net operating income to assets | 1.0785% | 2,611 |
| Return on assets (ROA) | 1.0785% | 2,680 |
| Pretax return on assets | 1.4701% | 1,951 |
| Return on Equity (ROE) | 11.9991% | 1,577 |
| Retained earnings to average equity (ytd only) | 5.6025% | 2,473 |
| Net charge-offs to loans | -0.0022% | 3,972 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8311% | 3,607 |
| Assets per employee ($millions) | 5.9251% | 1,599 |
| Cash dividends to net income (ytd only)* | 53.3088% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,292 |
| Loan loss allowance to noncurrent loans | 390.8322% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 3,125 |
| Noncurrent loans to loans | 0.3826% | 3,154 |
| Net loans and leases to total assets | 90.6206% | 45 |
| Net loans and leases to deposits | 109.0823% | 238 |
| Net loans and leases to core deposits | 117.6367% | 621 |
| Total domestic deposits to total assets | 83.0755% | 3,172 |
| Equity capital to assets | 9.1272% | 4,716 |
| Core capital (leverage) ratio | 9.3127% | 4,349 |
| Tier 1 risk-based capital ratio | 9.6921% | 5,258 |
| Total risk-based capital ratio | 10.9445% | 5,238 |
| Memoranda: | ||
| Average total assets | $201,754,000 | 2,859 |
| Average earning assets | $187,869,670 | 2,845 |
| Average equity | $18,134,670 | 3,336 |
| Average total loans | $178,147,000 | 2,363 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 1,472 |
| Cost of funding earning assets | 1.0323% | 1,439 |
| Net interest margin | 3.9202% | 2,129 |
| Noninterest income to average assets | 0.2714% | 4,061 |
| Noninterest expense to average assets | 2.3734% | 3,837 |
| Loan and lease loss provision to assets | 0.0892% | 1,930 |
| Net operating income to assets | 1.0619% | 2,611 |
| Return on assets (ROA) | 1.0619% | 2,661 |
| Pretax return on assets | 1.4502% | 1,920 |
| Return on Equity (ROE) | 11.9055% | 1,569 |
| Retained earnings to average equity (ytd only) | 5.7306% | 2,578 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6582% | 3,727 |
| Assets per employee ($millions) | 6.3398% | 1,321 |
| Cash dividends to net income (ytd only)* | 51.8657% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,178 |
| Loan loss allowance to noncurrent loans | 550.7128% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 3,653 |
| Noncurrent loans to loans | 0.2817% | 3,554 |
| Net loans and leases to total assets | 84.5802% | 322 |
| Net loans and leases to deposits | 102.9779% | 449 |
| Net loans and leases to core deposits | 112.1729% | 821 |
| Total domestic deposits to total assets | 82.1343% | 3,689 |
| Equity capital to assets | 8.9405% | 4,724 |
| Core capital (leverage) ratio | 9.1423% | 4,529 |
| Tier 1 risk-based capital ratio | 10.0798% | 5,267 |
| Total risk-based capital ratio | 11.3330% | 5,222 |
| Memoranda: | ||
| Average total assets | $201,904,500 | 2,885 |
| Average earning assets | $187,543,500 | 2,880 |
| Average equity | $18,008,500 | 3,351 |
| Average total loans | $174,556,000 | 2,423 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 1,103 |
| Cost of funding earning assets | 0.8541% | 1,285 |
| Net interest margin | 4.1228% | 1,608 |
| Noninterest income to average assets | 0.3261% | 3,920 |
| Noninterest expense to average assets | 2.4277% | 3,805 |
| Loan and lease loss provision to assets | 0.1300% | 1,696 |
| Net operating income to assets | 1.1629% | 2,338 |
| Return on assets (ROA) | 1.1629% | 2,334 |
| Pretax return on assets | 1.5841% | 1,518 |
| Return on Equity (ROE) | 13.0609% | 1,321 |
| Retained earnings to average equity (ytd only) | 8.5573% | 1,026 |
| Net charge-offs to loans | 0.0006% | 3,765 |
| Credit loss provision to net charge-offs | 25,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 3,296.0000% | 23 |
| Efficiency ratio | 58.6138% | 4,063 |
| Assets per employee ($millions) | 6.6978% | 1,114 |
| Cash dividends to net income (ytd only)* | 34.4812% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,224 |
| Loan loss allowance to noncurrent loans | 562.1564% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 3,658 |
| Noncurrent loans to loans | 0.2706% | 3,606 |
| Net loans and leases to total assets | 85.6784% | 254 |
| Net loans and leases to deposits | 106.4412% | 353 |
| Net loans and leases to core deposits | 116.7863% | 659 |
| Total domestic deposits to total assets | 80.4936% | 3,997 |
| Equity capital to assets | 8.8979% | 4,657 |
| Core capital (leverage) ratio | 9.0053% | 4,649 |
| Tier 1 risk-based capital ratio | 10.1316% | 5,269 |
| Total risk-based capital ratio | 11.3846% | 5,212 |
| Memoranda: | ||
| Average total assets | $192,282,600 | 2,940 |
| Average earning assets | $177,962,000 | 2,945 |
| Average equity | $17,119,800 | 3,381 |
| Average total loans | $172,574,400 | 2,416 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 1,065 |
| Cost of funding earning assets | 0.8308% | 1,190 |
| Net interest margin | 4.1117% | 1,594 |
| Noninterest income to average assets | 0.3296% | 3,947 |
| Noninterest expense to average assets | 2.4566% | 3,710 |
| Loan and lease loss provision to assets | 0.1403% | 1,420 |
| Net operating income to assets | 1.1277% | 2,539 |
| Return on assets (ROA) | 1.1277% | 2,548 |
| Pretax return on assets | 1.5365% | 1,783 |
| Return on Equity (ROE) | 12.6636% | 1,555 |
| Retained earnings to average equity (ytd only) | 8.7889% | 1,313 |
| Net charge-offs to loans | 0.0023% | 3,404 |
| Credit loss provision to net charge-offs | 6,666.6667% | 60 |
| Earnings coverage of net charge-offs (x) | 796.9800% | 106 |
| Efficiency ratio | 59.4333% | 3,899 |
| Assets per employee ($millions) | 6.4227% | 1,226 |
| Cash dividends to net income (ytd only)* | 30.5968% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 1,298 |
| Loan loss allowance to noncurrent loans | 521.4000% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 3,652 |
| Noncurrent loans to loans | 0.2905% | 3,643 |
| Net loans and leases to total assets | 87.9729% | 146 |
| Net loans and leases to deposits | 110.0151% | 285 |
| Net loans and leases to core deposits | 121.0797% | 544 |
| Total domestic deposits to total assets | 79.9644% | 4,132 |
| Equity capital to assets | 9.0979% | 4,460 |
| Core capital (leverage) ratio | 8.9394% | 4,760 |
| Tier 1 risk-based capital ratio | 9.9546% | 5,388 |
| Total risk-based capital ratio | 11.2073% | 5,344 |
| Memoranda: | ||
| Average total assets | $190,119,750 | 2,982 |
| Average earning assets | $175,883,000 | 2,989 |
| Average equity | $16,930,000 | 3,425 |
| Average total loans | $172,014,000 | 2,433 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 1,007 |
| Cost of funding earning assets | 0.7650% | 1,308 |
| Net interest margin | 4.1413% | 1,441 |
| Noninterest income to average assets | 0.3434% | 3,879 |
| Noninterest expense to average assets | 2.4463% | 3,787 |
| Loan and lease loss provision to assets | 0.1585% | 1,181 |
| Net operating income to assets | 1.1254% | 2,498 |
| Return on assets (ROA) | 1.1254% | 2,501 |
| Pretax return on assets | 1.5312% | 1,705 |
| Return on Equity (ROE) | 12.7316% | 1,466 |
| Retained earnings to average equity (ytd only) | 8.3084% | 1,488 |
| Net charge-offs to loans | -0.0070% | 4,196 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1467% | 4,063 |
| Assets per employee ($millions) | 6.4494% | 1,196 |
| Cash dividends to net income (ytd only)* | 34.7418% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,514 |
| Loan loss allowance to noncurrent loans | 483.2392% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 3,672 |
| Noncurrent loans to loans | 0.3027% | 3,619 |
| Net loans and leases to total assets | 89.3499% | 90 |
| Net loans and leases to deposits | 111.2129% | 252 |
| Net loans and leases to core deposits | 124.0313% | 458 |
| Total domestic deposits to total assets | 80.3413% | 4,168 |
| Equity capital to assets | 8.8416% | 4,687 |
| Core capital (leverage) ratio | 9.0227% | 4,671 |
| Tier 1 risk-based capital ratio | 9.5734% | 5,487 |
| Total risk-based capital ratio | 10.8258% | 5,462 |
| Memoranda: | ||
| Average total assets | $189,265,670 | 3,011 |
| Average earning assets | $173,327,000 | 3,029 |
| Average equity | $16,730,000 | 3,473 |
| Average total loans | $171,980,330 | 2,432 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 1,014 |
| Cost of funding earning assets | 0.6986% | 1,456 |
| Net interest margin | 4.1287% | 1,369 |
| Noninterest income to average assets | 0.2800% | 4,301 |
| Noninterest expense to average assets | 2.4258% | 3,875 |
| Loan and lease loss provision to assets | 0.1603% | 1,121 |
| Net operating income to assets | 1.0921% | 2,458 |
| Return on assets (ROA) | 1.0921% | 2,472 |
| Pretax return on assets | 1.4832% | 1,716 |
| Return on Equity (ROE) | 12.3568% | 1,453 |
| Retained earnings to average equity (ytd only) | 6.1905% | 2,629 |
| Net charge-offs to loans | -0.0094% | 4,222 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6113% | 4,116 |
| Assets per employee ($millions) | 6.4286% | 1,242 |
| Cash dividends to net income (ytd only)* | 49.9022% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 1,627 |
| Loan loss allowance to noncurrent loans | 448.4685% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 3,661 |
| Noncurrent loans to loans | 0.3251% | 3,601 |
| Net loans and leases to total assets | 90.2381% | 60 |
| Net loans and leases to deposits | 109.2310% | 277 |
| Net loans and leases to core deposits | 135.1973% | 268 |
| Total domestic deposits to total assets | 82.6121% | 3,785 |
| Equity capital to assets | 8.9412% | 4,623 |
| Core capital (leverage) ratio | 8.9387% | 4,748 |
| Tier 1 risk-based capital ratio | 9.7367% | 5,537 |
| Total risk-based capital ratio | 10.9892% | 5,511 |
| Memoranda: | ||
| Average total assets | $187,157,500 | 3,063 |
| Average earning assets | $171,774,000 | 3,075 |
| Average equity | $16,541,500 | 3,521 |
| Average total loans | $170,249,500 | 2,471 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 921 |
| Cost of funding earning assets | 0.5626% | 1,870 |
| Net interest margin | 4.2681% | 1,042 |
| Noninterest income to average assets | 0.3768% | 3,779 |
| Noninterest expense to average assets | 2.5440% | 3,625 |
| Loan and lease loss provision to assets | 0.1641% | 1,353 |
| Net operating income to assets | 0.7026% | 3,593 |
| Return on assets (ROA) | 0.7026% | 3,649 |
| Pretax return on assets | 1.5529% | 1,443 |
| Return on Equity (ROE) | 7.8905% | 2,843 |
| Retained earnings to average equity (ytd only) | 3.5704% | 3,136 |
| Net charge-offs to loans | 0.0113% | 3,693 |
| Credit loss provision to net charge-offs | 1,611.1111% | 242 |
| Earnings coverage of net charge-offs (x) | 168.6111% | 445 |
| Efficiency ratio | 59.7053% | 4,304 |
| Assets per employee ($millions) | 6.4788% | 1,219 |
| Cash dividends to net income (ytd only)* | 54.7504% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,690 |
| Loan loss allowance to noncurrent loans | 423.5501% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 3,473 |
| Noncurrent loans to loans | 0.3351% | 3,562 |
| Net loans and leases to total assets | 89.0806% | 101 |
| Net loans and leases to deposits | 107.4503% | 340 |
| Net loans and leases to core deposits | 131.2974% | 312 |
| Total domestic deposits to total assets | 82.9040% | 3,597 |
| Equity capital to assets | 8.7361% | 4,941 |
| Core capital (leverage) ratio | 9.3421% | 4,239 |
| Tier 1 risk-based capital ratio | 9.4309% | 5,605 |
| Total risk-based capital ratio | 10.6825% | 5,590 |
| Memoranda: | ||
| Average total assets | $176,766,600 | 3,159 |
| Average earning assets | $160,866,800 | 3,187 |
| Average equity | $15,740,400 | 3,635 |
| Average total loans | $158,979,200 | 2,558 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 796 |
| Cost of funding earning assets | 0.5701% | 1,740 |
| Net interest margin | 4.3069% | 908 |
| Noninterest income to average assets | 0.3265% | 4,200 |
| Noninterest expense to average assets | 2.5166% | 3,675 |
| Loan and lease loss provision to assets | 0.1916% | 1,009 |
| Net operating income to assets | 0.9456% | 2,804 |
| Return on assets (ROA) | 0.9456% | 2,865 |
| Pretax return on assets | 1.5372% | 1,636 |
| Return on Equity (ROE) | 10.5657% | 1,874 |
| Retained earnings to average equity (ytd only) | 7.1408% | 1,619 |
| Net charge-offs to loans | 0.0162% | 3,195 |
| Credit loss provision to net charge-offs | 1,315.7895% | 277 |
| Earnings coverage of net charge-offs (x) | 118.7493% | 628 |
| Efficiency ratio | 59.2780% | 4,319 |
| Assets per employee ($millions) | 5.9821% | 1,505 |
| Cash dividends to net income (ytd only)* | 32.4150% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,539 |
| Loan loss allowance to noncurrent loans | 290.3186% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 2,975 |
| Noncurrent loans to loans | 0.5162% | 3,153 |
| Net loans and leases to total assets | 89.7625% | 89 |
| Net loans and leases to deposits | 107.9904% | 342 |
| Net loans and leases to core deposits | 136.8991% | 243 |
| Total domestic deposits to total assets | 83.1208% | 3,420 |
| Equity capital to assets | 9.6201% | 4,324 |
| Core capital (leverage) ratio | 9.4194% | 4,263 |
| Tier 1 risk-based capital ratio | 10.0013% | 5,601 |
| Total risk-based capital ratio | 11.2535% | 5,559 |
| Memoranda: | ||
| Average total assets | $173,986,750 | 3,216 |
| Average earning assets | $158,316,750 | 3,249 |
| Average equity | $15,572,000 | 3,683 |
| Average total loans | $156,279,000 | 2,604 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 905 |
| Cost of funding earning assets | 0.5522% | 1,764 |
| Net interest margin | 4.2242% | 1,026 |
| Noninterest income to average assets | 0.3422% | 4,103 |
| Noninterest expense to average assets | 2.5035% | 3,736 |
| Loan and lease loss provision to assets | 0.1665% | 1,197 |
| Net operating income to assets | 0.9302% | 2,758 |
| Return on assets (ROA) | 0.9302% | 2,817 |
| Pretax return on assets | 1.5021% | 1,626 |
| Return on Equity (ROE) | 10.6581% | 1,778 |
| Retained earnings to average equity (ytd only) | 5.3949% | 2,470 |
| Net charge-offs to loans | 0.0398% | 2,407 |
| Credit loss provision to net charge-offs | 467.7419% | 696 |
| Earnings coverage of net charge-offs (x) | 46.8710% | 1,132 |
| Efficiency ratio | 60.0055% | 4,316 |
| Assets per employee ($millions) | 5.8919% | 1,541 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,878 |
| Loan loss allowance to noncurrent loans | 367.9739% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 3,485 |
| Noncurrent loans to loans | 0.3850% | 3,646 |
| Net loans and leases to total assets | 88.6567% | 120 |
| Net loans and leases to deposits | 107.1223% | 351 |
| Net loans and leases to core deposits | 137.8577% | 207 |
| Total domestic deposits to total assets | 82.7622% | 3,641 |
| Equity capital to assets | 8.8624% | 5,027 |
| Core capital (leverage) ratio | 8.8844% | 4,859 |
| Tier 1 risk-based capital ratio | 9.4666% | 5,712 |
| Total risk-based capital ratio | 10.7179% | 5,698 |
| Memoranda: | ||
| Average total assets | $174,155,670 | 3,233 |
| Average earning assets | $157,901,000 | 3,272 |
| Average equity | $15,199,670 | 3,738 |
| Average total loans | $155,675,670 | 2,623 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 934 |
| Cost of funding earning assets | 0.5115% | 1,999 |
| Net interest margin | 4.1916% | 1,010 |
| Noninterest income to average assets | 0.3263% | 4,209 |
| Noninterest expense to average assets | 2.5478% | 3,665 |
| Loan and lease loss provision to assets | 0.1388% | 1,367 |
| Net operating income to assets | 0.8886% | 2,823 |
| Return on assets (ROA) | 0.8886% | 2,869 |
| Pretax return on assets | 1.4324% | 1,759 |
| Return on Equity (ROE) | 10.2626% | 1,843 |
| Retained earnings to average equity (ytd only) | 3.3140% | 3,780 |
| Net charge-offs to loans | 0.0857% | 1,494 |
| Credit loss provision to net charge-offs | 181.8182% | 1,080 |
| Earnings coverage of net charge-offs (x) | 20.5758% | 1,480 |
| Efficiency ratio | 61.8539% | 4,172 |
| Assets per employee ($millions) | 6.3697% | 1,251 |
| Cash dividends to net income (ytd only)* | 67.7083% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 2,095 |
| Loan loss allowance to noncurrent loans | 323.6173% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 3,453 |
| Noncurrent loans to loans | 0.4313% | 3,553 |
| Net loans and leases to total assets | 85.7545% | 242 |
| Net loans and leases to deposits | 103.1537% | 441 |
| Net loans and leases to core deposits | 132.5062% | 227 |
| Total domestic deposits to total assets | 83.1327% | 3,790 |
| Equity capital to assets | 8.6229% | 5,131 |
| Core capital (leverage) ratio | 9.0155% | 4,718 |
| Tier 1 risk-based capital ratio | 9.5382% | 5,769 |
| Total risk-based capital ratio | 10.7895% | 5,756 |
| Memoranda: | ||
| Average total assets | $172,855,000 | 3,282 |
| Average earning assets | $156,409,500 | 3,321 |
| Average equity | $14,967,000 | 3,792 |
| Average total loans | $154,034,000 | 2,649 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 883 |
| Cost of funding earning assets | 0.5011% | 2,086 |
| Net interest margin | 4.3001% | 932 |
| Noninterest income to average assets | 0.4808% | 3,340 |
| Noninterest expense to average assets | 2.5859% | 3,718 |
| Loan and lease loss provision to assets | 0.2582% | 802 |
| Net operating income to assets | 0.9642% | 2,518 |
| Return on assets (ROA) | 0.9642% | 2,620 |
| Pretax return on assets | 1.5551% | 1,416 |
| Return on Equity (ROE) | 11.1536% | 1,522 |
| Retained earnings to average equity (ytd only) | 6.1165% | 1,648 |
| Net charge-offs to loans | 0.0140% | 3,815 |
| Credit loss provision to net charge-offs | 2,075.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 145.7500% | 436 |
| Efficiency ratio | 58.7811% | 4,750 |
| Assets per employee ($millions) | 5.9771% | 1,501 |
| Cash dividends to net income (ytd only)* | 45.1613% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 2,090 |
| Loan loss allowance to noncurrent loans | 315.8050% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 3,387 |
| Noncurrent loans to loans | 0.4426% | 3,559 |
| Net loans and leases to total assets | 90.1182% | 68 |
| Net loans and leases to deposits | 109.2083% | 246 |
| Net loans and leases to core deposits | 136.3810% | 210 |
| Total domestic deposits to total assets | 82.5196% | 3,932 |
| Equity capital to assets | 8.6969% | 5,107 |
| Core capital (leverage) ratio | 8.8152% | 4,952 |
| Tier 1 risk-based capital ratio | 9.3456% | 5,831 |
| Total risk-based capital ratio | 10.5974% | 5,832 |
| Memoranda: | ||
| Average total assets | $160,757,400 | 3,387 |
| Average earning assets | $146,484,800 | 3,410 |
| Average equity | $13,896,800 | 3,953 |
| Average total loans | $142,879,800 | 2,741 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8249% | 849 |
| Cost of funding earning assets | 0.5087% | 2,029 |
| Net interest margin | 4.3163% | 901 |
| Noninterest income to average assets | 0.4559% | 3,518 |
| Noninterest expense to average assets | 2.5550% | 3,808 |
| Loan and lease loss provision to assets | 0.2849% | 612 |
| Net operating income to assets | 0.9478% | 2,665 |
| Return on assets (ROA) | 0.9478% | 2,800 |
| Pretax return on assets | 1.5268% | 1,627 |
| Return on Equity (ROE) | 10.9812% | 1,675 |
| Retained earnings to average equity (ytd only) | 6.9033% | 1,673 |
| Net charge-offs to loans | 0.0190% | 3,330 |
| Credit loss provision to net charge-offs | 1,700.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 108.0836% | 624 |
| Efficiency ratio | 58.5108% | 4,750 |
| Assets per employee ($millions) | 5.3525% | 2,002 |
| Cash dividends to net income (ytd only)* | 37.1356% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 1,995 |
| Loan loss allowance to noncurrent loans | 304.7267% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 3,488 |
| Noncurrent loans to loans | 0.4743% | 3,594 |
| Net loans and leases to total assets | 87.6151% | 161 |
| Net loans and leases to deposits | 106.9310% | 344 |
| Net loans and leases to core deposits | 130.5607% | 292 |
| Total domestic deposits to total assets | 81.9361% | 3,953 |
| Equity capital to assets | 8.9809% | 5,197 |
| Core capital (leverage) ratio | 8.6597% | 5,203 |
| Tier 1 risk-based capital ratio | 9.8626% | 5,823 |
| Total risk-based capital ratio | 11.1149% | 5,794 |
| Memoranda: | ||
| Average total assets | $159,107,000 | 3,420 |
| Average earning assets | $144,164,250 | 3,463 |
| Average equity | $13,732,250 | 4,015 |
| Average total loans | $140,360,000 | 2,777 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 889 |
| Cost of funding earning assets | 0.4871% | 2,216 |
| Net interest margin | 4.3111% | 902 |
| Noninterest income to average assets | 0.3947% | 3,912 |
| Noninterest expense to average assets | 2.5281% | 3,960 |
| Loan and lease loss provision to assets | 0.2459% | 798 |
| Net operating income to assets | 0.9343% | 2,707 |
| Return on assets (ROA) | 0.9343% | 2,839 |
| Pretax return on assets | 1.5042% | 1,656 |
| Return on Equity (ROE) | 10.9756% | 1,654 |
| Retained earnings to average equity (ytd only) | 6.2358% | 1,997 |
| Net charge-offs to loans | -0.0100% | 4,696 |
| Credit loss provision to net charge-offs | -2,785.7143% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0922% | 4,756 |
| Assets per employee ($millions) | 5.6264% | 1,680 |
| Cash dividends to net income (ytd only)* | 43.1849% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,578 |
| Loan loss allowance to noncurrent loans | 208.1370% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6374% | 3,088 |
| Noncurrent loans to loans | 0.6432% | 3,145 |
| Net loans and leases to total assets | 87.8051% | 146 |
| Net loans and leases to deposits | 106.5007% | 350 |
| Net loans and leases to core deposits | 126.6558% | 360 |
| Total domestic deposits to total assets | 82.4455% | 3,860 |
| Equity capital to assets | 8.6623% | 5,508 |
| Core capital (leverage) ratio | 9.0205% | 4,804 |
| Tier 1 risk-based capital ratio | 9.5201% | 5,945 |
| Total risk-based capital ratio | 10.7706% | 5,925 |
| Memoranda: | ||
| Average total assets | $158,618,000 | 3,447 |
| Average earning assets | $142,887,330 | 3,498 |
| Average equity | $13,502,670 | 4,076 |
| Average total loans | $139,563,330 | 2,795 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 743 |
| Cost of funding earning assets | 0.4759% | 2,318 |
| Net interest margin | 4.3887% | 758 |
| Noninterest income to average assets | 0.3812% | 3,980 |
| Noninterest expense to average assets | 2.5533% | 3,897 |
| Loan and lease loss provision to assets | 0.2814% | 583 |
| Net operating income to assets | 0.9262% | 2,616 |
| Return on assets (ROA) | 0.9262% | 2,726 |
| Pretax return on assets | 1.4865% | 1,633 |
| Return on Equity (ROE) | 10.9805% | 1,607 |
| Retained earnings to average equity (ytd only) | 4.3073% | 3,327 |
| Net charge-offs to loans | -0.0059% | 4,342 |
| Credit loss provision to net charge-offs | -5,500.0000% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0882% | 4,862 |
| Assets per employee ($millions) | 5.3359% | 1,997 |
| Cash dividends to net income (ytd only)* | 60.7735% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 2,626 |
| Loan loss allowance to noncurrent loans | 183.2016% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 2,904 |
| Noncurrent loans to loans | 0.7396% | 2,986 |
| Net loans and leases to total assets | 87.2237% | 155 |
| Net loans and leases to deposits | 102.1633% | 500 |
| Net loans and leases to core deposits | 120.8088% | 445 |
| Total domestic deposits to total assets | 85.3768% | 2,966 |
| Equity capital to assets | 8.5679% | 5,522 |
| Core capital (leverage) ratio | 8.5440% | 5,350 |
| Tier 1 risk-based capital ratio | 9.5997% | 5,994 |
| Total risk-based capital ratio | 10.8509% | 5,966 |
| Memoranda: | ||
| Average total assets | $156,344,000 | 3,487 |
| Average earning assets | $140,360,500 | 3,555 |
| Average equity | $13,187,000 | 4,134 |
| Average total loans | $136,739,000 | 2,842 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 866 |
| Cost of funding earning assets | 0.4429% | 2,707 |
| Net interest margin | 4.3952% | 802 |
| Noninterest income to average assets | 0.4255% | 3,849 |
| Noninterest expense to average assets | 2.7376% | 3,454 |
| Loan and lease loss provision to assets | 0.2218% | 924 |
| Net operating income to assets | 0.8774% | 2,989 |
| Return on assets (ROA) | 0.8774% | 3,072 |
| Pretax return on assets | 1.4069% | 1,878 |
| Return on Equity (ROE) | 9.8309% | 2,070 |
| Retained earnings to average equity (ytd only) | 3.6186% | 3,483 |
| Net charge-offs to loans | -0.0159% | 5,220 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6984% | 4,495 |
| Assets per employee ($millions) | 5.6410% | 1,662 |
| Cash dividends to net income (ytd only)* | 63.1912% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 3,035 |
| Loan loss allowance to noncurrent loans | 220.6329% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 3,389 |
| Noncurrent loans to loans | 0.5781% | 3,436 |
| Net loans and leases to total assets | 85.4148% | 278 |
| Net loans and leases to deposits | 97.4347% | 871 |
| Net loans and leases to core deposits | 114.0665% | 679 |
| Total domestic deposits to total assets | 87.6637% | 1,809 |
| Equity capital to assets | 8.3040% | 5,699 |
| Core capital (leverage) ratio | 8.7169% | 5,196 |
| Tier 1 risk-based capital ratio | 9.3883% | 6,063 |
| Total risk-based capital ratio | 10.6374% | 6,048 |
| Memoranda: | ||
| Average total assets | $144,288,800 | 3,660 |
| Average earning assets | $129,369,400 | 3,715 |
| Average equity | $12,877,800 | 4,162 |
| Average total loans | $125,957,200 | 2,955 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 830 |
| Cost of funding earning assets | 0.4443% | 2,743 |
| Net interest margin | 4.4189% | 763 |
| Noninterest income to average assets | 0.4657% | 3,593 |
| Noninterest expense to average assets | 2.8289% | 3,075 |
| Loan and lease loss provision to assets | 0.2035% | 979 |
| Net operating income to assets | 0.8745% | 3,068 |
| Return on assets (ROA) | 0.8745% | 3,151 |
| Pretax return on assets | 1.3960% | 2,031 |
| Return on Equity (ROE) | 9.6111% | 2,256 |
| Retained earnings to average equity (ytd only) | 4.2022% | 3,477 |
| Net charge-offs to loans | -0.0433% | 5,498 |
| Credit loss provision to net charge-offs | -537.5000% | 5,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8812% | 4,273 |
| Assets per employee ($millions) | 5.2468% | 2,008 |
| Cash dividends to net income (ytd only)* | 56.2773% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 3,180 |
| Loan loss allowance to noncurrent loans | 217.1691% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 3,505 |
| Noncurrent loans to loans | 0.5915% | 3,552 |
| Net loans and leases to total assets | 86.6695% | 195 |
| Net loans and leases to deposits | 98.7031% | 752 |
| Net loans and leases to core deposits | 115.4150% | 619 |
| Total domestic deposits to total assets | 87.8083% | 1,654 |
| Equity capital to assets | 8.8877% | 5,407 |
| Core capital (leverage) ratio | 9.1770% | 4,765 |
| Tier 1 risk-based capital ratio | 9.9592% | 6,052 |
| Total risk-based capital ratio | 11.2096% | 6,013 |
| Memoranda: | ||
| Average total assets | $140,874,000 | 3,740 |
| Average earning assets | $126,333,000 | 3,807 |
| Average equity | $12,818,250 | 4,215 |
| Average total loans | $123,283,000 | 3,024 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 810 |
| Cost of funding earning assets | 0.4432% | 2,803 |
| Net interest margin | 4.4032% | 758 |
| Noninterest income to average assets | 0.4522% | 3,688 |
| Noninterest expense to average assets | 2.7668% | 3,359 |
| Loan and lease loss provision to assets | 0.3097% | 481 |
| Net operating income to assets | 0.8325% | 3,205 |
| Return on assets (ROA) | 0.8325% | 3,322 |
| Pretax return on assets | 1.3251% | 2,262 |
| Return on Equity (ROE) | 9.0747% | 2,496 |
| Retained earnings to average equity (ytd only) | 3.1086% | 4,066 |
| Net charge-offs to loans | 0.0033% | 3,789 |
| Credit loss provision to net charge-offs | 10,750.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 567.5000% | 116 |
| Efficiency ratio | 62.8599% | 4,538 |
| Assets per employee ($millions) | 4.7725% | 2,580 |
| Cash dividends to net income (ytd only)* | 65.7439% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 3,259 |
| Loan loss allowance to noncurrent loans | 206.6496% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 3,493 |
| Noncurrent loans to loans | 0.6275% | 3,590 |
| Net loans and leases to total assets | 88.8810% | 100 |
| Net loans and leases to deposits | 101.6905% | 563 |
| Net loans and leases to core deposits | 120.2565% | 461 |
| Total domestic deposits to total assets | 87.4035% | 1,961 |
| Equity capital to assets | 9.2852% | 4,911 |
| Core capital (leverage) ratio | 9.2926% | 4,564 |
| Tier 1 risk-based capital ratio | 10.2201% | 6,027 |
| Total risk-based capital ratio | 11.4706% | 5,964 |
| Memoranda: | ||
| Average total assets | $138,861,670 | 3,800 |
| Average earning assets | $124,546,330 | 3,869 |
| Average equity | $12,738,670 | 4,255 |
| Average total loans | $121,382,670 | 3,063 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 739 |
| Cost of funding earning assets | 0.4424% | 2,858 |
| Net interest margin | 4.4335% | 681 |
| Noninterest income to average assets | 0.4429% | 3,680 |
| Noninterest expense to average assets | 2.7320% | 3,480 |
| Loan and lease loss provision to assets | 0.3163% | 434 |
| Net operating income to assets | 0.8282% | 3,125 |
| Return on assets (ROA) | 0.8282% | 3,249 |
| Pretax return on assets | 1.3142% | 2,220 |
| Return on Equity (ROE) | 9.0834% | 2,408 |
| Retained earnings to average equity (ytd only) | 1.5139% | 4,880 |
| Net charge-offs to loans | 0.0134% | 2,917 |
| Credit loss provision to net charge-offs | 2,750.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 141.7500% | 374 |
| Efficiency ratio | 62.6236% | 4,686 |
| Assets per employee ($millions) | 4.6029% | 2,900 |
| Cash dividends to net income (ytd only)* | 83.3333% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 3,733 |
| Loan loss allowance to noncurrent loans | 194.5806% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 3,583 |
| Noncurrent loans to loans | 0.6378% | 3,675 |
| Net loans and leases to total assets | 86.9038% | 147 |
| Net loans and leases to deposits | 98.6777% | 641 |
| Net loans and leases to core deposits | 115.7371% | 531 |
| Total domestic deposits to total assets | 88.0683% | 1,782 |
| Equity capital to assets | 9.2022% | 5,083 |
| Core capital (leverage) ratio | 9.3123% | 4,555 |
| Tier 1 risk-based capital ratio | 10.5834% | 5,987 |
| Total risk-based capital ratio | 11.8335% | 5,916 |
| Memoranda: | ||
| Average total assets | $139,091,000 | 3,824 |
| Average earning assets | $122,972,000 | 3,924 |
| Average equity | $12,682,500 | 4,289 |
| Average total loans | $119,759,000 | 3,100 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9927% | 787 |
| Cost of funding earning assets | 0.4945% | 2,720 |
| Net interest margin | 4.4983% | 751 |
| Noninterest income to average assets | 0.4616% | 3,765 |
| Noninterest expense to average assets | 2.7498% | 3,676 |
| Loan and lease loss provision to assets | 0.6683% | 194 |
| Net operating income to assets | 0.6325% | 4,223 |
| Return on assets (ROA) | 0.6325% | 4,330 |
| Pretax return on assets | 0.9970% | 3,509 |
| Return on Equity (ROE) | 6.9961% | 3,637 |
| Retained earnings to average equity (ytd only) | 3.1587% | 3,988 |
| Net charge-offs to loans | 1.1352% | 245 |
| Credit loss provision to net charge-offs | 68.6937% | 3,102 |
| Earnings coverage of net charge-offs (x) | 1.7117% | 4,350 |
| Efficiency ratio | 62.2829% | 4,868 |
| Assets per employee ($millions) | 4.8309% | 2,555 |
| Cash dividends to net income (ytd only)* | 54.8499% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 4,078 |
| Loan loss allowance to noncurrent loans | 176.3522% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 3,644 |
| Noncurrent loans to loans | 0.6737% | 3,662 |
| Net loans and leases to total assets | 83.2329% | 407 |
| Net loans and leases to deposits | 93.4126% | 1,137 |
| Net loans and leases to core deposits | 107.8796% | 898 |
| Total domestic deposits to total assets | 89.1025% | 1,179 |
| Equity capital to assets | 9.0352% | 5,248 |
| Core capital (leverage) ratio | 9.1897% | 4,693 |
| Tier 1 risk-based capital ratio | 10.3967% | 6,142 |
| Total risk-based capital ratio | 11.5552% | 6,121 |
| Memoranda: | ||
| Average total assets | $136,916,800 | 3,860 |
| Average earning assets | $120,334,600 | 3,956 |
| Average equity | $12,378,400 | 4,289 |
| Average total loans | $117,338,400 | 3,093 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 787 |
| Cost of funding earning assets | 0.5053% | 2,703 |
| Net interest margin | 4.4835% | 766 |
| Noninterest income to average assets | 0.4584% | 3,839 |
| Noninterest expense to average assets | 2.7896% | 3,501 |
| Loan and lease loss provision to assets | 0.7591% | 167 |
| Net operating income to assets | 0.5534% | 4,663 |
| Return on assets (ROA) | 0.5534% | 4,738 |
| Pretax return on assets | 0.8639% | 4,133 |
| Return on Equity (ROE) | 6.1202% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.3580% | 4,225 |
| Net charge-offs to loans | 1.1288% | 250 |
| Credit loss provision to net charge-offs | 78.1250% | 2,631 |
| Earnings coverage of net charge-offs (x) | 1.6704% | 4,106 |
| Efficiency ratio | 63.2186% | 4,680 |
| Assets per employee ($millions) | 4.8343% | 2,471 |
| Cash dividends to net income (ytd only)* | 45.1328% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 3,299 |
| Loan loss allowance to noncurrent loans | 125.6270% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 2,914 |
| Noncurrent loans to loans | 1.0902% | 2,890 |
| Net loans and leases to total assets | 85.2794% | 241 |
| Net loans and leases to deposits | 95.5161% | 921 |
| Net loans and leases to core deposits | 112.4867% | 638 |
| Total domestic deposits to total assets | 89.2827% | 1,088 |
| Equity capital to assets | 9.2937% | 5,042 |
| Core capital (leverage) ratio | 9.2772% | 4,668 |
| Tier 1 risk-based capital ratio | 10.8318% | 6,078 |
| Total risk-based capital ratio | 12.0830% | 6,021 |
| Memoranda: | ||
| Average total assets | $136,122,000 | 3,896 |
| Average earning assets | $120,050,750 | 3,988 |
| Average equity | $12,308,500 | 4,322 |
| Average total loans | $117,171,000 | 3,118 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 755 |
| Cost of funding earning assets | 0.5211% | 2,629 |
| Net interest margin | 4.4771% | 738 |
| Noninterest income to average assets | 0.4326% | 4,004 |
| Noninterest expense to average assets | 2.7659% | 3,637 |
| Loan and lease loss provision to assets | 0.9752% | 109 |
| Net operating income to assets | 0.4136% | 5,160 |
| Return on assets (ROA) | 0.4136% | 5,242 |
| Pretax return on assets | 0.6350% | 4,835 |
| Return on Equity (ROE) | 4.6161% | 4,855 |
| Retained earnings to average equity (ytd only) | 2.0789% | 4,859 |
| Net charge-offs to loans | 1.6994% | 145 |
| Credit loss provision to net charge-offs | 66.7671% | 2,523 |
| Earnings coverage of net charge-offs (x) | 1.1024% | 3,888 |
| Efficiency ratio | 63.2038% | 4,819 |
| Assets per employee ($millions) | 4.7255% | 2,575 |
| Cash dividends to net income (ytd only)* | 54.9645% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 4,008 |
| Loan loss allowance to noncurrent loans | 90.5167% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.5146% | 2,149 |
| Noncurrent loans to loans | 1.4068% | 2,448 |
| Net loans and leases to total assets | 87.2516% | 122 |
| Net loans and leases to deposits | 98.5673% | 627 |
| Net loans and leases to core deposits | 116.8563% | 456 |
| Total domestic deposits to total assets | 88.5198% | 1,626 |
| Equity capital to assets | 9.3716% | 4,874 |
| Core capital (leverage) ratio | 9.2244% | 4,701 |
| Tier 1 risk-based capital ratio | 10.9258% | 6,078 |
| Total risk-based capital ratio | 12.1622% | 6,033 |
| Memoranda: | ||
| Average total assets | $136,375,670 | 3,913 |
| Average earning assets | $120,122,670 | 4,005 |
| Average equity | $12,218,000 | 4,356 |
| Average total loans | $117,215,330 | 3,120 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 687 |
| Cost of funding earning assets | 0.5258% | 2,652 |
| Net interest margin | 4.4990% | 658 |
| Noninterest income to average assets | 0.4104% | 4,100 |
| Noninterest expense to average assets | 2.7340% | 3,819 |
| Loan and lease loss provision to assets | 1.5751% | 58 |
| Net operating income to assets | 0.0318% | 6,161 |
| Return on assets (ROA) | 0.0318% | 6,180 |
| Pretax return on assets | 0.0087% | 6,206 |
| Return on Equity (ROE) | 0.3628% | 6,168 |
| Retained earnings to average equity (ytd only) | -2.1110% | 5,867 |
| Net charge-offs to loans | 3.2040% | 56 |
| Credit loss provision to net charge-offs | 57.9787% | 2,128 |
| Earnings coverage of net charge-offs (x) | 0.5830% | 3,309 |
| Efficiency ratio | 63.3199% | 4,958 |
| Assets per employee ($millions) | 4.8473% | 2,446 |
| Cash dividends to net income (ytd only)* | 681.8182% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 4,520 |
| Loan loss allowance to noncurrent loans | 87.7463% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 2,734 |
| Noncurrent loans to loans | 1.3960% | 2,690 |
| Net loans and leases to total assets | 84.6602% | 204 |
| Net loans and leases to deposits | 95.0736% | 711 |
| Net loans and leases to core deposits | 112.9410% | 496 |
| Total domestic deposits to total assets | 89.0470% | 1,631 |
| Equity capital to assets | 8.9947% | 5,121 |
| Core capital (leverage) ratio | 9.0400% | 4,952 |
| Tier 1 risk-based capital ratio | 10.8420% | 6,224 |
| Total risk-based capital ratio | 12.0721% | 6,183 |
| Memoranda: | ||
| Average total assets | $138,406,000 | 3,911 |
| Average earning assets | $120,205,500 | 4,035 |
| Average equity | $12,127,000 | 4,397 |
| Average total loans | $117,355,000 | 3,132 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 715 |
| Cost of funding earning assets | 0.5833% | 2,800 |
| Net interest margin | 4.5622% | 651 |
| Noninterest income to average assets | 0.7286% | 2,390 |
| Noninterest expense to average assets | 2.7576% | 3,883 |
| Loan and lease loss provision to assets | 0.7959% | 273 |
| Net operating income to assets | 0.7823% | 3,381 |
| Return on assets (ROA) | 0.7823% | 3,489 |
| Pretax return on assets | 1.2400% | 2,416 |
| Return on Equity (ROE) | 8.7009% | 2,700 |
| Retained earnings to average equity (ytd only) | 3.8203% | 3,486 |
| Net charge-offs to loans | 0.5004% | 1,325 |
| Credit loss provision to net charge-offs | 183.5951% | 1,251 |
| Earnings coverage of net charge-offs (x) | 4.6963% | 3,485 |
| Efficiency ratio | 57.5284% | 5,791 |
| Assets per employee ($millions) | 4.8651% | 2,357 |
| Cash dividends to net income (ytd only)* | 56.0928% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 3,022 |
| Loan loss allowance to noncurrent loans | 110.1695% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.2460% | 2,932 |
| Noncurrent loans to loans | 1.3955% | 2,800 |
| Net loans and leases to total assets | 82.6157% | 357 |
| Net loans and leases to deposits | 92.1991% | 1,035 |
| Net loans and leases to core deposits | 104.9050% | 863 |
| Total domestic deposits to total assets | 89.6057% | 1,273 |
| Equity capital to assets | 8.5380% | 5,544 |
| Core capital (leverage) ratio | 8.8048% | 5,269 |
| Tier 1 risk-based capital ratio | 10.3792% | 6,407 |
| Total risk-based capital ratio | 11.6334% | 6,362 |
| Memoranda: | ||
| Average total assets | $132,178,800 | 4,032 |
| Average earning assets | $117,771,400 | 4,094 |
| Average equity | $11,883,800 | 4,462 |
| Average total loans | $114,511,000 | 3,161 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 639 |
| Cost of funding earning assets | 0.5861% | 2,938 |
| Net interest margin | 4.6173% | 596 |
| Noninterest income to average assets | 0.7531% | 2,355 |
| Noninterest expense to average assets | 2.7415% | 3,862 |
| Loan and lease loss provision to assets | 0.8824% | 203 |
| Net operating income to assets | 0.8146% | 3,275 |
| Return on assets (ROA) | 0.8146% | 3,401 |
| Pretax return on assets | 1.2835% | 2,391 |
| Return on Equity (ROE) | 8.9388% | 2,666 |
| Retained earnings to average equity (ytd only) | 5.1111% | 2,996 |
| Net charge-offs to loans | 0.5554% | 1,144 |
| Credit loss provision to net charge-offs | 181.8182% | 1,333 |
| Earnings coverage of net charge-offs (x) | 4.4630% | 3,433 |
| Efficiency ratio | 55.8645% | 5,916 |
| Assets per employee ($millions) | 4.7385% | 2,525 |
| Cash dividends to net income (ytd only)* | 42.8210% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,507 |
| Loan loss allowance to noncurrent loans | 1,476.9231% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 5,933 |
| Noncurrent loans to loans | 0.1008% | 6,029 |
| Net loans and leases to total assets | 86.1764% | 144 |
| Net loans and leases to deposits | 96.8900% | 632 |
| Net loans and leases to core deposits | 113.5782% | 463 |
| Total domestic deposits to total assets | 88.9425% | 1,586 |
| Equity capital to assets | 9.0791% | 5,087 |
| Core capital (leverage) ratio | 9.1331% | 4,917 |
| Tier 1 risk-based capital ratio | 10.8067% | 6,360 |
| Total risk-based capital ratio | 12.0344% | 6,336 |
| Memoranda: | ||
| Average total assets | $129,951,750 | 4,117 |
| Average earning assets | $116,919,500 | 4,150 |
| Average equity | $11,843,250 | 4,530 |
| Average total loans | $113,543,750 | 3,193 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 660 |
| Cost of funding earning assets | 0.5995% | 2,946 |
| Net interest margin | 4.5790% | 619 |
| Noninterest income to average assets | 0.8881% | 1,858 |
| Noninterest expense to average assets | 2.8099% | 3,640 |
| Loan and lease loss provision to assets | 0.8757% | 229 |
| Net operating income to assets | 0.8369% | 3,114 |
| Return on assets (ROA) | 0.8369% | 3,267 |
| Pretax return on assets | 1.3220% | 2,222 |
| Return on Equity (ROE) | 9.1715% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.4349% | 2,783 |
| Net charge-offs to loans | 0.6176% | 1,074 |
| Credit loss provision to net charge-offs | 162.3563% | 1,442 |
| Earnings coverage of net charge-offs (x) | 4.0747% | 3,218 |
| Efficiency ratio | 56.1127% | 5,953 |
| Assets per employee ($millions) | 4.6954% | 2,520 |
| Cash dividends to net income (ytd only)* | 40.7407% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 4,240 |
| Loan loss allowance to noncurrent loans | 811.4583% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 5,807 |
| Noncurrent loans to loans | 0.1671% | 5,905 |
| Net loans and leases to total assets | 86.2366% | 141 |
| Net loans and leases to deposits | 101.4559% | 357 |
| Net loans and leases to core deposits | 119.4322% | 329 |
| Total domestic deposits to total assets | 84.9991% | 3,893 |
| Equity capital to assets | 9.0643% | 5,151 |
| Core capital (leverage) ratio | 9.3200% | 4,509 |
| Tier 1 risk-based capital ratio | 10.7310% | 6,434 |
| Total risk-based capital ratio | 11.9830% | 6,406 |
| Memoranda: | ||
| Average total assets | $129,042,670 | 4,161 |
| Average earning assets | $116,094,330 | 4,199 |
| Average equity | $11,775,670 | 4,575 |
| Average total loans | $112,703,000 | 3,216 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 567 |
| Cost of funding earning assets | 0.6400% | 2,744 |
| Net interest margin | 4.5998% | 561 |
| Noninterest income to average assets | 1.1703% | 1,097 |
| Noninterest expense to average assets | 2.9164% | 3,283 |
| Loan and lease loss provision to assets | 0.9231% | 211 |
| Net operating income to assets | 0.8981% | 2,666 |
| Return on assets (ROA) | 0.8981% | 2,817 |
| Pretax return on assets | 1.4238% | 1,789 |
| Return on Equity (ROE) | 9.8078% | 2,132 |
| Retained earnings to average equity (ytd only) | 7.0739% | 2,120 |
| Net charge-offs to loans | 0.8209% | 734 |
| Credit loss provision to net charge-offs | 128.8210% | 1,529 |
| Earnings coverage of net charge-offs (x) | 3.2751% | 2,802 |
| Efficiency ratio | 55.4102% | 6,118 |
| Assets per employee ($millions) | 4.5430% | 2,897 |
| Cash dividends to net income (ytd only)* | 27.8746% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 4,811 |
| Loan loss allowance to noncurrent loans | 159.8864% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7751% | 4,437 |
| Noncurrent loans to loans | 0.7985% | 4,524 |
| Net loans and leases to total assets | 85.5272% | 136 |
| Net loans and leases to deposits | 96.3162% | 523 |
| Net loans and leases to core deposits | 133.8838% | 153 |
| Total domestic deposits to total assets | 88.7983% | 1,797 |
| Equity capital to assets | 9.2819% | 5,156 |
| Core capital (leverage) ratio | 9.2498% | 4,479 |
| Tier 1 risk-based capital ratio | 10.8480% | 6,466 |
| Total risk-based capital ratio | 12.1072% | 6,433 |
| Memoranda: | ||
| Average total assets | $127,828,000 | 4,225 |
| Average earning assets | $113,744,500 | 4,289 |
| Average equity | $11,705,000 | 4,629 |
| Average total loans | $111,587,000 | 3,257 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5947% | 516 |
| Cost of funding earning assets | 0.7995% | 2,670 |
| Net interest margin | 4.7952% | 542 |
| Noninterest income to average assets | 0.8306% | 2,128 |
| Noninterest expense to average assets | 2.9046% | 3,614 |
| Loan and lease loss provision to assets | 0.8711% | 525 |
| Net operating income to assets | 0.8059% | 3,259 |
| Return on assets (ROA) | 0.8059% | 3,510 |
| Pretax return on assets | 1.2729% | 2,508 |
| Return on Equity (ROE) | 8.8398% | 2,710 |
| Retained earnings to average equity (ytd only) | 3.4643% | 3,785 |
| Net charge-offs to loans | 1.0142% | 1,071 |
| Credit loss provision to net charge-offs | 98.7376% | 3,141 |
| Earnings coverage of net charge-offs (x) | 2.4301% | 4,198 |
| Efficiency ratio | 57.5323% | 5,893 |
| Assets per employee ($millions) | 4.5876% | 2,808 |
| Cash dividends to net income (ytd only)* | 60.8095% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,176 |
| Loan loss allowance to noncurrent loans | 88.9257% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 3,364 |
| Noncurrent loans to loans | 1.3348% | 3,612 |
| Net loans and leases to total assets | 86.9056% | 108 |
| Net loans and leases to deposits | 97.7017% | 523 |
| Net loans and leases to core deposits | 109.5441% | 554 |
| Total domestic deposits to total assets | 88.9500% | 1,597 |
| Equity capital to assets | 9.0329% | 5,486 |
| Core capital (leverage) ratio | 9.1522% | 4,659 |
| Tier 1 risk-based capital ratio | 10.4944% | 6,558 |
| Total risk-based capital ratio | 11.7126% | 6,542 |
| Memoranda: | ||
| Average total assets | $125,698,800 | 4,233 |
| Average earning assets | $110,568,000 | 4,324 |
| Average equity | $11,459,600 | 4,677 |
| Average total loans | $109,344,200 | 3,310 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7033% | 461 |
| Cost of funding earning assets | 0.8486% | 2,549 |
| Net interest margin | 4.8548% | 520 |
| Noninterest income to average assets | 0.7306% | 2,566 |
| Noninterest expense to average assets | 2.8136% | 3,937 |
| Loan and lease loss provision to assets | 0.8319% | 556 |
| Net operating income to assets | 0.8415% | 3,253 |
| Return on assets (ROA) | 0.8415% | 3,502 |
| Pretax return on assets | 1.3321% | 2,489 |
| Return on Equity (ROE) | 9.2086% | 2,708 |
| Retained earnings to average equity (ytd only) | 5.0070% | 3,358 |
| Net charge-offs to loans | 0.8201% | 1,337 |
| Credit loss provision to net charge-offs | 116.9415% | 2,485 |
| Earnings coverage of net charge-offs (x) | 3.0420% | 3,818 |
| Efficiency ratio | 56.5245% | 5,991 |
| Assets per employee ($millions) | 4.5990% | 2,748 |
| Cash dividends to net income (ytd only)* | 45.6277% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 4,459 |
| Loan loss allowance to noncurrent loans | 116.5079% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 3,787 |
| Noncurrent loans to loans | 1.1852% | 4,082 |
| Net loans and leases to total assets | 84.4315% | 202 |
| Net loans and leases to deposits | 95.2806% | 705 |
| Net loans and leases to core deposits | 108.6333% | 624 |
| Total domestic deposits to total assets | 88.6136% | 1,650 |
| Equity capital to assets | 9.3739% | 5,372 |
| Core capital (leverage) ratio | 9.2238% | 4,718 |
| Tier 1 risk-based capital ratio | 11.2108% | 6,394 |
| Total risk-based capital ratio | 12.4631% | 6,361 |
| Memoranda: | ||
| Average total assets | $125,010,500 | 4,290 |
| Average earning assets | $109,360,250 | 4,408 |
| Average equity | $11,423,750 | 4,726 |
| Average total loans | $108,437,000 | 3,354 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7181% | 470 |
| Cost of funding earning assets | 0.8897% | 2,484 |
| Net interest margin | 4.8284% | 533 |
| Noninterest income to average assets | 0.6577% | 2,914 |
| Noninterest expense to average assets | 2.6866% | 4,477 |
| Loan and lease loss provision to assets | 0.8859% | 531 |
| Net operating income to assets | 0.8285% | 3,252 |
| Return on assets (ROA) | 0.8285% | 3,519 |
| Pretax return on assets | 1.3042% | 2,542 |
| Return on Equity (ROE) | 9.1440% | 2,745 |
| Retained earnings to average equity (ytd only) | 4.9156% | 3,324 |
| Net charge-offs to loans | 0.9822% | 1,128 |
| Credit loss provision to net charge-offs | 103.5448% | 2,633 |
| Earnings coverage of net charge-offs (x) | 2.5597% | 3,732 |
| Efficiency ratio | 55.0900% | 6,218 |
| Assets per employee ($millions) | 4.7579% | 2,495 |
| Cash dividends to net income (ytd only)* | 46.2428% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 5,066 |
| Loan loss allowance to noncurrent loans | 87.6276% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.7550% | 3,098 |
| Noncurrent loans to loans | 1.4420% | 3,752 |
| Net loans and leases to total assets | 86.7896% | 112 |
| Net loans and leases to deposits | 99.3210% | 450 |
| Net loans and leases to core deposits | 112.1576% | 502 |
| Total domestic deposits to total assets | 87.3830% | 2,543 |
| Equity capital to assets | 9.2873% | 5,340 |
| Core capital (leverage) ratio | 9.2922% | 4,464 |
| Tier 1 risk-based capital ratio | 10.8028% | 6,581 |
| Total risk-based capital ratio | 12.0528% | 6,565 |
| Memoranda: | ||
| Average total assets | $125,289,330 | 4,307 |
| Average earning assets | $109,477,670 | 4,421 |
| Average equity | $11,351,670 | 4,742 |
| Average total loans | $109,146,000 | 3,359 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 468 |
| Cost of funding earning assets | 0.9621% | 2,219 |
| Net interest margin | 4.7887% | 578 |
| Noninterest income to average assets | 0.6789% | 2,765 |
| Noninterest expense to average assets | 2.7538% | 4,223 |
| Loan and lease loss provision to assets | 0.7297% | 701 |
| Net operating income to assets | 0.8661% | 3,070 |
| Return on assets (ROA) | 0.8661% | 3,300 |
| Pretax return on assets | 1.3642% | 2,314 |
| Return on Equity (ROE) | 9.6783% | 2,524 |
| Retained earnings to average equity (ytd only) | 5.4241% | 3,304 |
| Net charge-offs to loans | 1.7485% | 548 |
| Credit loss provision to net charge-offs | 48.1172% | 3,314 |
| Earnings coverage of net charge-offs (x) | 1.3808% | 3,633 |
| Efficiency ratio | 56.8063% | 6,045 |
| Assets per employee ($millions) | 4.5349% | 2,930 |
| Cash dividends to net income (ytd only)* | 43.9560% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 6,187 |
| Loan loss allowance to noncurrent loans | 75.9259% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.7110% | 3,293 |
| Noncurrent loans to loans | 1.3380% | 4,109 |
| Net loans and leases to total assets | 88.0932% | 71 |
| Net loans and leases to deposits | 100.8386% | 343 |
| Net loans and leases to core deposits | 120.2645% | 306 |
| Total domestic deposits to total assets | 87.3606% | 2,740 |
| Equity capital to assets | 9.2753% | 5,126 |
| Core capital (leverage) ratio | 9.0725% | 4,725 |
| Tier 1 risk-based capital ratio | 10.6568% | 6,691 |
| Total risk-based capital ratio | 11.7236% | 6,740 |
| Memoranda: | ||
| Average total assets | $126,081,000 | 4,323 |
| Average earning assets | $109,758,500 | 4,441 |
| Average equity | $11,283,000 | 4,773 |
| Average total loans | $109,350,000 | 3,367 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7143% | 759 |
| Cost of funding earning assets | 1.3382% | 1,303 |
| Net interest margin | 4.3761% | 1,460 |
| Noninterest income to average assets | 0.4994% | 3,845 |
| Noninterest expense to average assets | 2.7248% | 4,644 |
| Loan and lease loss provision to assets | 0.5514% | 1,891 |
| Net operating income to assets | 0.6617% | 3,687 |
| Return on assets (ROA) | 0.6617% | 3,869 |
| Pretax return on assets | 1.0359% | 3,098 |
| Return on Equity (ROE) | 7.6552% | 3,074 |
| Retained earnings to average equity (ytd only) | 3.2808% | 3,890 |
| Net charge-offs to loans | 0.8193% | 2,112 |
| Credit loss provision to net charge-offs | 78.2998% | 4,536 |
| Earnings coverage of net charge-offs (x) | 2.2539% | 4,097 |
| Efficiency ratio | 63.1896% | 5,260 |
| Assets per employee ($millions) | 4.9892% | 2,211 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 5,244 |
| Loan loss allowance to noncurrent loans | 58.9900% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.7708% | 3,298 |
| Noncurrent loans to loans | 2.0933% | 3,075 |
| Net loans and leases to total assets | 83.5452% | 232 |
| Net loans and leases to deposits | 95.1350% | 734 |
| Net loans and leases to core deposits | 113.0627% | 537 |
| Total domestic deposits to total assets | 87.8175% | 2,267 |
| Equity capital to assets | 8.6410% | 5,970 |
| Core capital (leverage) ratio | 8.6496% | 5,317 |
| Tier 1 risk-based capital ratio | 10.4881% | 6,687 |
| Total risk-based capital ratio | 11.7385% | 6,669 |
| Memoranda: | ||
| Average total assets | $126,945,400 | 4,230 |
| Average earning assets | $110,599,800 | 4,380 |
| Average equity | $10,973,000 | 4,786 |
| Average total loans | $109,114,400 | 3,404 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6737% | 889 |
| Cost of funding earning assets | 1.4124% | 1,178 |
| Net interest margin | 4.2613% | 1,866 |
| Noninterest income to average assets | 0.4573% | 4,239 |
| Noninterest expense to average assets | 2.7827% | 4,407 |
| Loan and lease loss provision to assets | 0.4752% | 2,087 |
| Net operating income to assets | 0.6030% | 4,072 |
| Return on assets (ROA) | 0.6030% | 4,250 |
| Pretax return on assets | 0.9367% | 3,633 |
| Return on Equity (ROE) | 6.9755% | 3,538 |
| Retained earnings to average equity (ytd only) | 2.5777% | 4,823 |
| Net charge-offs to loans | 0.8198% | 1,929 |
| Credit loss provision to net charge-offs | 67.1642% | 4,571 |
| Earnings coverage of net charge-offs (x) | 1.9955% | 4,154 |
| Efficiency ratio | 66.3394% | 4,653 |
| Assets per employee ($millions) | 4.6916% | 2,632 |
| Cash dividends to net income (ytd only)* | 63.0479% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 5,513 |
| Loan loss allowance to noncurrent loans | 35.3740% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 2.9659% | 2,167 |
| Noncurrent loans to loans | 3.3657% | 2,051 |
| Net loans and leases to total assets | 87.0730% | 103 |
| Net loans and leases to deposits | 98.9220% | 520 |
| Net loans and leases to core deposits | 124.4000% | 305 |
| Total domestic deposits to total assets | 88.0219% | 2,023 |
| Equity capital to assets | 8.7256% | 6,056 |
| Core capital (leverage) ratio | 8.6500% | 5,483 |
| Tier 1 risk-based capital ratio | 10.2482% | 6,874 |
| Total risk-based capital ratio | 11.4843% | 6,868 |
| Memoranda: | ||
| Average total assets | $126,252,000 | 4,265 |
| Average earning assets | $110,730,500 | 4,400 |
| Average equity | $10,914,000 | 4,826 |
| Average total loans | $108,960,750 | 3,438 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6414% | 989 |
| Cost of funding earning assets | 1.5123% | 964 |
| Net interest margin | 4.1290% | 2,306 |
| Noninterest income to average assets | 0.4393% | 4,352 |
| Noninterest expense to average assets | 2.8943% | 4,041 |
| Loan and lease loss provision to assets | 0.4758% | 2,082 |
| Net operating income to assets | 0.4472% | 4,731 |
| Return on assets (ROA) | 0.4472% | 4,871 |
| Pretax return on assets | 0.6803% | 4,464 |
| Return on Equity (ROE) | 5.1897% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.2452% | 4,865 |
| Net charge-offs to loans | 0.5385% | 2,478 |
| Credit loss provision to net charge-offs | 103.0928% | 3,001 |
| Earnings coverage of net charge-offs (x) | 2.5052% | 3,570 |
| Efficiency ratio | 71.4565% | 3,835 |
| Assets per employee ($millions) | 4.7191% | 2,517 |
| Cash dividends to net income (ytd only)* | 56.7376% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 4,378 |
| Loan loss allowance to noncurrent loans | 40.5624% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 3.0145% | 2,228 |
| Noncurrent loans to loans | 3.5577% | 1,988 |
| Net loans and leases to total assets | 83.5091% | 272 |
| Net loans and leases to deposits | 98.0492% | 592 |
| Net loans and leases to core deposits | 124.7146% | 332 |
| Total domestic deposits to total assets | 85.1706% | 3,803 |
| Equity capital to assets | 8.5923% | 6,069 |
| Core capital (leverage) ratio | 8.5741% | 5,439 |
| Tier 1 risk-based capital ratio | 10.5267% | 6,782 |
| Total risk-based capital ratio | 11.7913% | 6,771 |
| Memoranda: | ||
| Average total assets | $126,111,670 | 4,299 |
| Average earning assets | $110,292,330 | 4,439 |
| Average equity | $10,867,670 | 4,834 |
| Average total loans | $108,072,000 | 3,503 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5681% | 1,131 |
| Cost of funding earning assets | 1.5088% | 1,128 |
| Net interest margin | 4.0593% | 2,436 |
| Noninterest income to average assets | 0.2168% | 6,180 |
| Noninterest expense to average assets | 2.9109% | 4,016 |
| Loan and lease loss provision to assets | 0.4782% | 1,840 |
| Net operating income to assets | 0.2933% | 5,447 |
| Return on assets (ROA) | 0.2933% | 5,519 |
| Pretax return on assets | 0.4304% | 5,245 |
| Return on Equity (ROE) | 3.3988% | 5,198 |
| Retained earnings to average equity (ytd only) | 1.1822% | 5,351 |
| Net charge-offs to loans | 0.0629% | 4,300 |
| Credit loss provision to net charge-offs | 882.3529% | 436 |
| Earnings coverage of net charge-offs (x) | 16.7647% | 1,251 |
| Efficiency ratio | 76.2104% | 3,126 |
| Assets per employee ($millions) | 4.4518% | 2,975 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,925 |
| Loan loss allowance to noncurrent loans | 109.0732% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 4,477 |
| Noncurrent loans to loans | 1.4287% | 4,327 |
| Net loans and leases to total assets | 85.2917% | 168 |
| Net loans and leases to deposits | 101.5832% | 398 |
| Net loans and leases to core deposits | 123.5052% | 356 |
| Total domestic deposits to total assets | 83.9624% | 4,503 |
| Equity capital to assets | 8.7027% | 5,655 |
| Core capital (leverage) ratio | 8.7636% | 4,981 |
| Tier 1 risk-based capital ratio | 10.4841% | 6,815 |
| Total risk-based capital ratio | 11.7385% | 6,799 |
| Memoranda: | ||
| Average total assets | $125,459,500 | 4,348 |
| Average earning assets | $111,349,500 | 4,425 |
| Average equity | $10,827,500 | 4,839 |
| Average total loans | $108,127,000 | 3,539 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7931% | 1,296 |
| Cost of funding earning assets | 1.7810% | 1,251 |
| Net interest margin | 4.0121% | 2,967 |
| Noninterest income to average assets | 0.7688% | 2,432 |
| Noninterest expense to average assets | 2.8914% | 4,263 |
| Loan and lease loss provision to assets | 0.5356% | 3,009 |
| Net operating income to assets | 0.6399% | 3,487 |
| Return on assets (ROA) | 0.6399% | 3,641 |
| Pretax return on assets | 0.9885% | 2,968 |
| Return on Equity (ROE) | 7.5686% | 2,861 |
| Retained earnings to average equity (ytd only) | 3.2383% | 3,599 |
| Net charge-offs to loans | 0.4251% | 3,920 |
| Credit loss provision to net charge-offs | 143.1915% | 2,610 |
| Earnings coverage of net charge-offs (x) | 4.0745% | 3,080 |
| Efficiency ratio | 65.4831% | 5,073 |
| Assets per employee ($millions) | 4.5096% | 2,852 |
| Cash dividends to net income (ytd only)* | 57.2139% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 4,371 |
| Loan loss allowance to noncurrent loans | 112.4909% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 2.3933% | 2,875 |
| Noncurrent loans to loans | 1.2720% | 4,593 |
| Net loans and leases to total assets | 84.5068% | 266 |
| Net loans and leases to deposits | 102.1247% | 481 |
| Net loans and leases to core deposits | 127.1342% | 371 |
| Total domestic deposits to total assets | 82.7486% | 4,911 |
| Equity capital to assets | 8.5588% | 5,781 |
| Core capital (leverage) ratio | 8.6502% | 5,105 |
| Tier 1 risk-based capital ratio | 10.2273% | 6,862 |
| Total risk-based capital ratio | 11.4727% | 6,840 |
| Memoranda: | ||
| Average total assets | $125,649,000 | 4,357 |
| Average earning assets | $114,204,600 | 4,369 |
| Average equity | $10,622,800 | 4,956 |
| Average total loans | $110,570,000 | 3,532 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8047% | 1,384 |
| Cost of funding earning assets | 1.8414% | 1,254 |
| Net interest margin | 3.9633% | 3,273 |
| Noninterest income to average assets | 0.6672% | 3,029 |
| Noninterest expense to average assets | 2.6997% | 4,881 |
| Loan and lease loss provision to assets | 0.4919% | 3,008 |
| Net operating income to assets | 0.6980% | 3,419 |
| Return on assets (ROA) | 0.6980% | 3,579 |
| Pretax return on assets | 1.0794% | 2,897 |
| Return on Equity (ROE) | 8.2821% | 2,798 |
| Retained earnings to average equity (ytd only) | 3.6179% | 3,900 |
| Net charge-offs to loans | 0.3239% | 4,043 |
| Credit loss provision to net charge-offs | 171.4815% | 2,158 |
| Earnings coverage of net charge-offs (x) | 5.4778% | 2,737 |
| Efficiency ratio | 63.2090% | 5,402 |
| Assets per employee ($millions) | 4.5796% | 2,779 |
| Cash dividends to net income (ytd only)* | 56.3164% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 4,310 |
| Loan loss allowance to noncurrent loans | 70.3382% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 3.3126% | 2,148 |
| Noncurrent loans to loans | 2.0333% | 3,639 |
| Net loans and leases to total assets | 85.7838% | 222 |
| Net loans and leases to deposits | 104.0902% | 423 |
| Net loans and leases to core deposits | 136.4824% | 294 |
| Total domestic deposits to total assets | 82.4130% | 4,834 |
| Equity capital to assets | 8.6940% | 6,026 |
| Core capital (leverage) ratio | 8.7208% | 5,150 |
| Tier 1 risk-based capital ratio | 10.2419% | 6,936 |
| Total risk-based capital ratio | 11.4947% | 6,920 |
| Memoranda: | ||
| Average total assets | $125,494,250 | 4,430 |
| Average earning assets | $114,111,250 | 4,427 |
| Average equity | $10,576,750 | 5,032 |
| Average total loans | $111,149,000 | 3,580 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7251% | 1,671 |
| Cost of funding earning assets | 1.9008% | 1,232 |
| Net interest margin | 3.8243% | 3,789 |
| Noninterest income to average assets | 0.5519% | 3,694 |
| Noninterest expense to average assets | 2.6770% | 5,004 |
| Loan and lease loss provision to assets | 0.4964% | 2,817 |
| Net operating income to assets | 0.5614% | 4,029 |
| Return on assets (ROA) | 0.5614% | 4,180 |
| Pretax return on assets | 0.8532% | 3,689 |
| Return on Equity (ROE) | 6.7307% | 3,431 |
| Retained earnings to average equity (ytd only) | 1.9774% | 4,874 |
| Net charge-offs to loans | 0.3614% | 3,548 |
| Credit loss provision to net charge-offs | 154.1872% | 2,548 |
| Earnings coverage of net charge-offs (x) | 4.1921% | 3,024 |
| Efficiency ratio | 66.4829% | 4,886 |
| Assets per employee ($millions) | 4.5981% | 2,734 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,821 |
| Loan loss allowance to noncurrent loans | 72.9094% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 3.1438% | 2,257 |
| Noncurrent loans to loans | 1.8057% | 3,997 |
| Net loans and leases to total assets | 87.9081% | 136 |
| Net loans and leases to deposits | 106.3631% | 377 |
| Net loans and leases to core deposits | 137.7731% | 307 |
| Total domestic deposits to total assets | 82.6491% | 4,718 |
| Equity capital to assets | 8.5115% | 6,152 |
| Core capital (leverage) ratio | 8.4092% | 5,562 |
| Tier 1 risk-based capital ratio | 9.8382% | 7,108 |
| Total risk-based capital ratio | 11.0895% | 7,094 |
| Memoranda: | ||
| Average total assets | $126,109,670 | 4,444 |
| Average earning assets | $114,583,000 | 4,444 |
| Average equity | $10,519,000 | 5,054 |
| Average total loans | $112,329,000 | 3,573 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6948% | 1,801 |
| Cost of funding earning assets | 1.9213% | 1,367 |
| Net interest margin | 3.7735% | 3,902 |
| Noninterest income to average assets | 0.6074% | 3,231 |
| Noninterest expense to average assets | 2.7445% | 4,707 |
| Loan and lease loss provision to assets | 0.5130% | 2,446 |
| Net operating income to assets | 0.5193% | 4,294 |
| Return on assets (ROA) | 0.5193% | 4,434 |
| Pretax return on assets | 0.7868% | 3,926 |
| Return on Equity (ROE) | 6.2887% | 3,731 |
| Retained earnings to average equity (ytd only) | 2.4774% | 4,649 |
| Net charge-offs to loans | 0.7421% | 2,022 |
| Credit loss provision to net charge-offs | 77.6190% | 3,941 |
| Earnings coverage of net charge-offs (x) | 1.9667% | 3,553 |
| Efficiency ratio | 67.8599% | 4,746 |
| Assets per employee ($millions) | 4.8439% | 2,444 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 5,696 |
| Loan loss allowance to noncurrent loans | 55.8229% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 3.2793% | 2,184 |
| Noncurrent loans to loans | 2.0831% | 3,679 |
| Net loans and leases to total assets | 87.6672% | 137 |
| Net loans and leases to deposits | 105.7355% | 437 |
| Net loans and leases to core deposits | 141.6644% | 309 |
| Total domestic deposits to total assets | 82.9118% | 4,670 |
| Equity capital to assets | 8.3595% | 6,213 |
| Core capital (leverage) ratio | 8.3024% | 5,735 |
| Tier 1 risk-based capital ratio | 9.6139% | 7,241 |
| Total risk-based capital ratio | 10.8001% | 7,273 |
| Memoranda: | ||
| Average total assets | $127,090,000 | 4,477 |
| Average earning assets | $115,755,500 | 4,477 |
| Average equity | $10,495,000 | 5,103 |
| Average total loans | $113,197,000 | 3,617 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8820% | 2,315 |
| Cost of funding earning assets | 2.2066% | 1,997 |
| Net interest margin | 3.6754% | 4,241 |
| Noninterest income to average assets | 0.5928% | 3,682 |
| Noninterest expense to average assets | 2.6822% | 5,472 |
| Loan and lease loss provision to assets | 0.8111% | 2,697 |
| Net operating income to assets | 0.3239% | 4,437 |
| Return on assets (ROA) | 0.3834% | 4,295 |
| Pretax return on assets | 0.5558% | 4,029 |
| Return on Equity (ROE) | 4.5246% | 3,873 |
| Retained earnings to average equity (ytd only) | 1.2357% | 4,177 |
| Net charge-offs to loans | 0.4637% | 3,931 |
| Credit loss provision to net charge-offs | 194.7776% | 2,037 |
| Earnings coverage of net charge-offs (x) | 3.0754% | 3,531 |
| Efficiency ratio | 67.6829% | 5,064 |
| Assets per employee ($millions) | 4.9323% | 2,301 |
| Cash dividends to net income (ytd only)* | 72.6891% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 5,512 |
| Loan loss allowance to noncurrent loans | 56.9374% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 3.0568% | 2,281 |
| Noncurrent loans to loans | 2.0613% | 3,573 |
| Net loans and leases to total assets | 88.3818% | 156 |
| Net loans and leases to deposits | 107.4883% | 484 |
| Net loans and leases to core deposits | 142.2708% | 726 |
| Total domestic deposits to total assets | 82.2246% | 4,853 |
| Equity capital to assets | 8.1582% | 6,392 |
| Core capital (leverage) ratio | 8.3238% | 5,568 |
| Tier 1 risk-based capital ratio | 9.3380% | 7,308 |
| Total risk-based capital ratio | 10.5394% | 7,333 |
| Memoranda: | ||
| Average total assets | $124,153,000 | 4,468 |
| Average earning assets | $113,838,000 | 4,453 |
| Average equity | $10,520,200 | 5,158 |
| Average total loans | $111,502,600 | 3,655 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9250% | 2,339 |
| Cost of funding earning assets | 2.2672% | 2,121 |
| Net interest margin | 3.6577% | 4,243 |
| Noninterest income to average assets | 0.6194% | 3,550 |
| Noninterest expense to average assets | 2.7688% | 5,020 |
| Loan and lease loss provision to assets | 0.4104% | 3,862 |
| Net operating income to assets | 0.5277% | 3,870 |
| Return on assets (ROA) | 0.6042% | 3,643 |
| Pretax return on assets | 0.9171% | 3,175 |
| Return on Equity (ROE) | 7.0622% | 3,047 |
| Retained earnings to average equity (ytd only) | 4.2019% | 2,929 |
| Net charge-offs to loans | 0.5396% | 3,062 |
| Credit loss provision to net charge-offs | 84.5982% | 5,634 |
| Earnings coverage of net charge-offs (x) | 2.4978% | 3,977 |
| Efficiency ratio | 69.5593% | 4,683 |
| Assets per employee ($millions) | 4.7792% | 2,427 |
| Cash dividends to net income (ytd only)* | 40.5024% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6902% | 7,397 |
| Loan loss allowance to noncurrent loans | 1,513.4615% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 5,557 |
| Noncurrent loans to loans | 0.0456% | 7,395 |
| Net loans and leases to total assets | 91.1265% | 77 |
| Net loans and leases to deposits | 112.8112% | 367 |
| Net loans and leases to core deposits | 149.8789% | 582 |
| Total domestic deposits to total assets | 80.7779% | 5,163 |
| Equity capital to assets | 8.5829% | 6,132 |
| Core capital (leverage) ratio | 8.6662% | 5,192 |
| Tier 1 risk-based capital ratio | 10.3261% | 6,651 |
| Total risk-based capital ratio | 11.0881% | 7,068 |
| Memoranda: | ||
| Average total assets | $123,131,500 | 4,516 |
| Average earning assets | $113,145,500 | 4,511 |
| Average equity | $10,534,750 | 5,185 |
| Average total loans | $110,706,750 | 3,721 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8292% | 2,905 |
| Cost of funding earning assets | 2.3168% | 2,290 |
| Net interest margin | 3.5124% | 4,749 |
| Noninterest income to average assets | 0.6061% | 3,642 |
| Noninterest expense to average assets | 2.6980% | 5,393 |
| Loan and lease loss provision to assets | 0.4513% | 3,276 |
| Net operating income to assets | 0.4518% | 4,283 |
| Return on assets (ROA) | 0.5686% | 3,929 |
| Pretax return on assets | 0.8521% | 3,502 |
| Return on Equity (ROE) | 6.6531% | 3,360 |
| Retained earnings to average equity (ytd only) | 5.6618% | 2,175 |
| Net charge-offs to loans | 0.2555% | 3,921 |
| Credit loss provision to net charge-offs | 197.8571% | 2,313 |
| Earnings coverage of net charge-offs (x) | 4.9500% | 2,945 |
| Efficiency ratio | 70.4981% | 4,683 |
| Assets per employee ($millions) | 4.7818% | 2,351 |
| Cash dividends to net income (ytd only)* | 14.8997% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 6,858 |
| Loan loss allowance to noncurrent loans | 75.5133% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 4,851 |
| Noncurrent loans to loans | 1.1630% | 4,890 |
| Net loans and leases to total assets | 90.1486% | 125 |
| Net loans and leases to deposits | 109.6738% | 565 |
| Net loans and leases to core deposits | 146.0135% | 759 |
| Total domestic deposits to total assets | 82.1971% | 4,608 |
| Equity capital to assets | 8.5500% | 5,974 |
| Core capital (leverage) ratio | 8.6888% | 5,107 |
| Tier 1 risk-based capital ratio | 10.1821% | 6,736 |
| Total risk-based capital ratio | 11.1332% | 6,986 |
| Memoranda: | ||
| Average total assets | $122,756,000 | 4,562 |
| Average earning assets | $112,571,330 | 4,550 |
| Average equity | $10,491,330 | 5,217 |
| Average total loans | $109,602,670 | 3,772 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7988% | 3,311 |
| Cost of funding earning assets | 2.3260% | 2,594 |
| Net interest margin | 3.4729% | 4,841 |
| Noninterest income to average assets | 0.3870% | 5,323 |
| Noninterest expense to average assets | 2.6236% | 5,349 |
| Loan and lease loss provision to assets | 0.4821% | 2,553 |
| Net operating income to assets | 0.3060% | 5,273 |
| Return on assets (ROA) | 0.5411% | 4,437 |
| Pretax return on assets | 0.8100% | 4,042 |
| Return on Equity (ROE) | 6.3328% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.4116% | 2,896 |
| Net charge-offs to loans | 0.2559% | 3,130 |
| Credit loss provision to net charge-offs | 213.0435% | 2,115 |
| Earnings coverage of net charge-offs (x) | 4.1594% | 2,960 |
| Efficiency ratio | 73.5971% | 3,898 |
| Assets per employee ($millions) | 4.7208% | 2,413 |
| Cash dividends to net income (ytd only)* | 14.5455% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 6,983 |
| Loan loss allowance to noncurrent loans | 332.3843% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 6,840 |
| Noncurrent loans to loans | 0.2547% | 6,803 |
| Net loans and leases to total assets | 89.1111% | 189 |
| Net loans and leases to deposits | 112.3847% | 504 |
| Net loans and leases to core deposits | 145.8392% | 869 |
| Total domestic deposits to total assets | 79.2912% | 5,608 |
| Equity capital to assets | 8.5335% | 6,024 |
| Core capital (leverage) ratio | 8.6246% | 5,293 |
| Tier 1 risk-based capital ratio | 9.4899% | 7,430 |
| Total risk-based capital ratio | 10.3361% | 7,759 |
| Memoranda: | ||
| Average total assets | $121,970,000 | 4,594 |
| Average earning assets | $111,608,500 | 4,593 |
| Average equity | $10,422,000 | 5,253 |
| Average total loans | $107,867,500 | 3,847 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2377% | 4,313 |
| Cost of funding earning assets | 3.0347% | 1,733 |
| Net interest margin | 3.2030% | 6,355 |
| Noninterest income to average assets | 0.3912% | 5,547 |
| Noninterest expense to average assets | 2.4544% | 6,186 |
| Loan and lease loss provision to assets | 0.1017% | 6,081 |
| Net operating income to assets | 0.5506% | 4,528 |
| Return on assets (ROA) | 0.6742% | 3,846 |
| Pretax return on assets | 0.9248% | 3,641 |
| Return on Equity (ROE) | 7.7078% | 3,195 |
| Retained earnings to average equity (ytd only) | 3.6583% | 2,879 |
| Net charge-offs to loans | 0.1304% | 4,929 |
| Credit loss provision to net charge-offs | 92.4370% | 5,617 |
| Earnings coverage of net charge-offs (x) | 7.7899% | 3,024 |
| Efficiency ratio | 74.1134% | 3,553 |
| Assets per employee ($millions) | 5.0500% | 1,905 |
| Cash dividends to net income (ytd only)* | 52.5377% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 7,055 |
| Loan loss allowance to noncurrent loans | 53.5335% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 3,580 |
| Noncurrent loans to loans | 1.5167% | 3,515 |
| Net loans and leases to total assets | 86.2789% | 573 |
| Net loans and leases to deposits | 116.6061% | 500 |
| Net loans and leases to core deposits | 143.3624% | 1,122 |
| Total domestic deposits to total assets | 73.9917% | 6,659 |
| Equity capital to assets | 8.5561% | 5,999 |
| Core capital (leverage) ratio | 9.1051% | 4,588 |
| Tier 1 risk-based capital ratio | 9.7635% | 6,998 |
| Total risk-based capital ratio | 10.5723% | 7,419 |
| Memoranda: | ||
| Average total assets | $108,132,000 | 4,829 |
| Average earning assets | $98,593,800 | 4,844 |
| Average equity | $9,458,000 | 5,582 |
| Average total loans | $91,265,200 | 4,185 |