Home > Ennis State Bank > Performance and Condition Ratios
Ennis State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3413% | 1,410 |
| Cost of funding earning assets | 1.7155% | 1,417 |
| Net interest margin | 3.6258% | 1,915 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.7402% | 1,644 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9369% | 2,418 |
| Return on assets (ROA) | 0.9117% | 2,478 |
| Pretax return on assets | 0.9117% | 2,930 |
| Return on Equity (ROE) | 17.6000% | 876 |
| Retained earnings to average equity (ytd only) | 9.9437% | 1,026 |
| Net charge-offs to loans | 0.1392% | 724 |
| Credit loss provision to net charge-offs | -14.6479% | 4,427 |
| Earnings coverage of net charge-offs (x) | 10.3915% | 2,241 |
| Efficiency ratio | 73.0336% | 1,552 |
| Assets per employee ($millions) | 6.0131% | 2,812 |
| Cash dividends to net income (ytd only)* | 43.5018% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,295 |
| Loan loss allowance to noncurrent loans | 4,478.6885% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,643 |
| Noncurrent loans to loans | 0.0224% | 3,585 |
| Net loans and leases to total assets | 70.1800% | 1,792 |
| Net loans and leases to deposits | 86.4150% | 1,590 |
| Net loans and leases to core deposits | 92.3784% | 1,877 |
| Total domestic deposits to total assets | 81.2100% | 3,270 |
| Equity capital to assets | 5.7825% | 4,277 |
| Core capital (leverage) ratio | 9.0524% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $364,608,200 | 2,139 |
| Average earning assets | $340,591,000 | 2,123 |
| Average equity | $18,886,400 | 2,947 |
| Average total loans | $255,090,600 | 1,976 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 1,352 |
| Cost of funding earning assets | 1.5589% | 1,459 |
| Net interest margin | 3.6948% | 1,787 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.7916% | 1,449 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.9230% | 2,607 |
| Return on assets (ROA) | 0.8889% | 2,707 |
| Pretax return on assets | 0.8889% | 3,129 |
| Return on Equity (ROE) | 17.7100% | 983 |
| Retained earnings to average equity (ytd only) | 9.4356% | 1,566 |
| Net charge-offs to loans | 0.1888% | 464 |
| Credit loss provision to net charge-offs | -23.0986% | 4,486 |
| Earnings coverage of net charge-offs (x) | 7.7803% | 2,221 |
| Efficiency ratio | 73.1584% | 1,433 |
| Assets per employee ($millions) | 5.7395% | 2,976 |
| Cash dividends to net income (ytd only)* | 46.7251% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,348 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 72.6200% | 1,507 |
| Net loans and leases to deposits | 87.7731% | 1,410 |
| Net loans and leases to core deposits | 92.2275% | 1,781 |
| Total domestic deposits to total assets | 82.7400% | 3,060 |
| Equity capital to assets | 4.4726% | 4,340 |
| Core capital (leverage) ratio | 8.9739% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $359,551,250 | 2,167 |
| Average earning assets | $335,527,000 | 2,156 |
| Average equity | $18,044,750 | 3,003 |
| Average total loans | $250,659,000 | 1,995 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 1,375 |
| Cost of funding earning assets | 1.3053% | 1,695 |
| Net interest margin | 3.7939% | 1,643 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.7695% | 1,482 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0533% | 2,253 |
| Return on assets (ROA) | 1.0018% | 2,407 |
| Pretax return on assets | 1.0018% | 2,907 |
| Return on Equity (ROE) | 19.2400% | 801 |
| Retained earnings to average equity (ytd only) | 11.1067% | 1,170 |
| Net charge-offs to loans | 0.2864% | 293 |
| Credit loss provision to net charge-offs | -37.1429% | 4,520 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,152 |
| Efficiency ratio | 70.8877% | 1,681 |
| Assets per employee ($millions) | 5.6778% | 2,998 |
| Cash dividends to net income (ytd only)* | 42.2819% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,373 |
| 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 | 69.3800% | 1,809 |
| Net loans and leases to deposits | 83.5654% | 1,709 |
| Net loans and leases to core deposits | 86.2927% | 2,052 |
| Total domestic deposits to total assets | 83.0200% | 3,044 |
| Equity capital to assets | 5.1760% | 4,348 |
| Core capital (leverage) ratio | 9.0590% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $356,960,000 | 2,178 |
| Average earning assets | $332,642,667 | 2,178 |
| Average equity | $18,583,333 | 2,977 |
| Average total loans | $244,389,000 | 2,027 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 1,342 |
| Cost of funding earning assets | 1.0128% | 2,003 |
| Net interest margin | 3.9288% | 1,410 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.8052% | 1,422 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.0538% | 2,367 |
| Return on assets (ROA) | 1.0009% | 2,490 |
| Pretax return on assets | 1.0009% | 2,992 |
| Return on Equity (ROE) | 19.1700% | 856 |
| Retained earnings to average equity (ytd only) | 8.5383% | 2,075 |
| Net charge-offs to loans | 0.6019% | 137 |
| Credit loss provision to net charge-offs | -36.7232% | 4,572 |
| Earnings coverage of net charge-offs (x) | 3.0141% | 1,906 |
| Efficiency ratio | 69.5838% | 1,793 |
| Assets per employee ($millions) | 5.1831% | 3,514 |
| Cash dividends to net income (ytd only)* | 55.4535% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,080 |
| Loan loss allowance to noncurrent loans | 5,205.8824% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,706 |
| Noncurrent loans to loans | 0.0211% | 3,625 |
| Net loans and leases to total assets | 67.9300% | 1,843 |
| Net loans and leases to deposits | 76.1851% | 2,098 |
| Net loans and leases to core deposits | 78.5236% | 2,352 |
| Total domestic deposits to total assets | 89.1600% | 1,486 |
| Equity capital to assets | 5.4572% | 4,348 |
| Core capital (leverage) ratio | 9.1695% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $348,073,500 | 2,243 |
| Average earning assets | $323,458,000 | 2,241 |
| Average equity | $18,177,000 | 3,037 |
| Average total loans | $235,260,500 | 2,095 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 1,223 |
| Cost of funding earning assets | 0.4622% | 1,634 |
| Net interest margin | 3.7483% | 1,268 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.7712% | 1,378 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1486% | 1,979 |
| Return on assets (ROA) | 1.1486% | 1,919 |
| Pretax return on assets | 1.1486% | 2,610 |
| Return on Equity (ROE) | 19.1100% | 559 |
| Retained earnings to average equity (ytd only) | 10.4940% | 1,004 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.1555% | 1,665 |
| Assets per employee ($millions) | 5.0544% | 3,633 |
| Cash dividends to net income (ytd only)* | 45.0856% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,589 |
| Loan loss allowance to noncurrent loans | 896.8571% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 2,828 |
| Noncurrent loans to loans | 0.1532% | 2,729 |
| Net loans and leases to total assets | 65.5500% | 2,083 |
| Net loans and leases to deposits | 72.3867% | 2,378 |
| Net loans and leases to core deposits | 73.8947% | 2,573 |
| Total domestic deposits to total assets | 90.5600% | 1,129 |
| Equity capital to assets | 4.9811% | 4,368 |
| Core capital (leverage) ratio | 9.2147% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $330,401,800 | 2,298 |
| Average earning assets | $307,633,200 | 2,291 |
| Average equity | $19,859,000 | 2,963 |
| Average total loans | $198,184,200 | 2,239 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 1,185 |
| Cost of funding earning assets | 0.4021% | 1,275 |
| Net interest margin | 3.6375% | 1,305 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.7361% | 1,383 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1010% | 2,086 |
| Return on assets (ROA) | 1.1010% | 2,054 |
| Pretax return on assets | 1.1010% | 2,720 |
| Return on Equity (ROE) | 17.5300% | 703 |
| Retained earnings to average equity (ytd only) | 9.0861% | 1,619 |
| Net charge-offs to loans | -0.0028% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.5561% | 1,695 |
| Assets per employee ($millions) | 5.0164% | 3,659 |
| Cash dividends to net income (ytd only)* | 48.1673% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,367 |
| Loan loss allowance to noncurrent loans | 3,697.6471% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,682 |
| Noncurrent loans to loans | 0.0399% | 3,605 |
| Net loans and leases to total assets | 62.3800% | 2,242 |
| Net loans and leases to deposits | 68.2810% | 2,514 |
| Net loans and leases to core deposits | 69.7760% | 2,657 |
| Total domestic deposits to total assets | 91.3600% | 1,098 |
| Equity capital to assets | 3.8765% | 4,489 |
| Core capital (leverage) ratio | 9.1306% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $327,078,000 | 2,332 |
| Average earning assets | $304,707,250 | 2,327 |
| Average equity | $20,543,750 | 2,946 |
| Average total loans | $190,618,000 | 2,305 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 1,214 |
| Cost of funding earning assets | 0.3916% | 972 |
| Net interest margin | 3.4547% | 1,438 |
| Noninterest income to average assets | 0.5240% | 2,068 |
| Noninterest expense to average assets | 2.6969% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0504% | 1,976 |
| Return on assets (ROA) | 1.0504% | 1,945 |
| Pretax return on assets | 1.0504% | 2,568 |
| Return on Equity (ROE) | 14.7688% | 943 |
| Retained earnings to average equity (ytd only) | 6.6555% | 2,112 |
| Net charge-offs to loans | -0.0055% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9697% | 1,731 |
| Assets per employee ($millions) | 4.7756% | 3,866 |
| Cash dividends to net income (ytd only)* | 54.9354% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 1,140 |
| Loan loss allowance to noncurrent loans | 388.7612% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 2,101 |
| Noncurrent loans to loans | 0.4127% | 1,876 |
| Net loans and leases to total assets | 58.3376% | 2,495 |
| Net loans and leases to deposits | 65.8422% | 2,557 |
| Net loans and leases to core deposits | 67.4530% | 2,702 |
| Total domestic deposits to total assets | 88.6022% | 2,333 |
| Equity capital to assets | 5.5615% | 4,343 |
| Core capital (leverage) ratio | 9.0716% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,071,000 | 2,365 |
| Average earning assets | $302,369,333 | 2,364 |
| Average equity | $23,048,667 | 2,817 |
| Average total loans | $183,218,333 | 2,363 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6589% | 1,369 |
| Cost of funding earning assets | 0.3982% | 883 |
| Net interest margin | 3.2606% | 1,682 |
| Noninterest income to average assets | 0.5556% | 1,878 |
| Noninterest expense to average assets | 2.6334% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9653% | 2,018 |
| Return on assets (ROA) | 0.9653% | 2,015 |
| Pretax return on assets | 0.9653% | 2,555 |
| Return on Equity (ROE) | 12.2607% | 1,240 |
| Retained earnings to average equity (ytd only) | 4.9697% | 2,603 |
| Net charge-offs to loans | -0.0067% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1766% | 1,834 |
| Assets per employee ($millions) | 5.2070% | 3,578 |
| Cash dividends to net income (ytd only)* | 59.4663% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 1,128 |
| Loan loss allowance to noncurrent loans | 1,521.0000% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,450 |
| Noncurrent loans to loans | 0.1093% | 3,288 |
| Net loans and leases to total assets | 54.8779% | 2,645 |
| Net loans and leases to deposits | 63.0896% | 2,613 |
| Net loans and leases to core deposits | 64.9279% | 2,723 |
| Total domestic deposits to total assets | 86.9842% | 2,935 |
| Equity capital to assets | 6.6050% | 4,384 |
| Core capital (leverage) ratio | 8.6888% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,124,000 | 2,363 |
| Average earning assets | $304,356,500 | 2,368 |
| Average equity | $25,675,500 | 2,729 |
| Average total loans | $179,975,500 | 2,379 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 1,291 |
| Cost of funding earning assets | 0.4352% | 1,285 |
| Net interest margin | 3.5946% | 1,484 |
| Noninterest income to average assets | 0.7859% | 1,486 |
| Noninterest expense to average assets | 2.7323% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4157% | 1,230 |
| Return on assets (ROA) | 1.4157% | 1,293 |
| Pretax return on assets | 1.4157% | 1,996 |
| Return on Equity (ROE) | 14.9225% | 970 |
| Retained earnings to average equity (ytd only) | 6.5001% | 2,130 |
| Net charge-offs to loans | -0.0037% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8708% | 2,276 |
| Assets per employee ($millions) | 5.1462% | 3,602 |
| Cash dividends to net income (ytd only)* | 56.4410% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 1,013 |
| 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 | 53.6225% | 2,894 |
| Net loans and leases to deposits | 63.8416% | 2,701 |
| Net loans and leases to core deposits | 65.5690% | 2,856 |
| Total domestic deposits to total assets | 83.9930% | 3,568 |
| Equity capital to assets | 9.1558% | 3,454 |
| Core capital (leverage) ratio | 8.6188% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,007,000 | 2,383 |
| Average earning assets | $291,828,200 | 2,371 |
| Average equity | $29,599,600 | 2,562 |
| Average total loans | $188,577,400 | 2,313 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 1,133 |
| Cost of funding earning assets | 0.4431% | 1,398 |
| Net interest margin | 3.7419% | 1,244 |
| Noninterest income to average assets | 0.7673% | 1,627 |
| Noninterest expense to average assets | 2.7084% | 1,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5613% | 1,120 |
| Return on assets (ROA) | 1.5613% | 1,170 |
| Pretax return on assets | 1.5613% | 1,819 |
| Return on Equity (ROE) | 16.3087% | 888 |
| Retained earnings to average equity (ytd only) | 7.2618% | 2,327 |
| Net charge-offs to loans | -0.0091% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4324% | 2,471 |
| Assets per employee ($millions) | 5.2892% | 3,416 |
| Cash dividends to net income (ytd only)* | 55.4726% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 1,058 |
| 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 | 52.9122% | 3,095 |
| Net loans and leases to deposits | 63.7084% | 2,880 |
| Net loans and leases to core deposits | 65.5607% | 2,998 |
| Total domestic deposits to total assets | 83.0537% | 3,690 |
| Equity capital to assets | 9.0693% | 3,767 |
| Core capital (leverage) ratio | 8.8380% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,956,500 | 2,421 |
| Average earning assets | $289,186,500 | 2,408 |
| Average equity | $29,578,500 | 2,597 |
| Average total loans | $191,499,750 | 2,336 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 733 |
| Cost of funding earning assets | 0.4604% | 1,447 |
| Net interest margin | 4.0320% | 777 |
| Noninterest income to average assets | 0.8155% | 1,496 |
| Noninterest expense to average assets | 2.7472% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8359% | 663 |
| Return on assets (ROA) | 1.8359% | 689 |
| Pretax return on assets | 1.8359% | 1,152 |
| Return on Equity (ROE) | 18.8184% | 556 |
| Retained earnings to average equity (ytd only) | 9.3956% | 1,592 |
| Net charge-offs to loans | -0.0102% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9423% | 3,023 |
| Assets per employee ($millions) | 5.0980% | 3,565 |
| Cash dividends to net income (ytd only)* | 50.0720% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 1,236 |
| 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 | 58.6194% | 2,589 |
| Net loans and leases to deposits | 71.0010% | 2,306 |
| Net loans and leases to core deposits | 73.1926% | 2,499 |
| Total domestic deposits to total assets | 82.5615% | 3,801 |
| Equity capital to assets | 9.4496% | 3,384 |
| Core capital (leverage) ratio | 8.9569% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,632,000 | 2,445 |
| Average earning assets | $282,788,333 | 2,435 |
| Average equity | $29,524,333 | 2,600 |
| Average total loans | $196,479,667 | 2,300 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 420 |
| Cost of funding earning assets | 0.4783% | 1,534 |
| Net interest margin | 4.4108% | 417 |
| Noninterest income to average assets | 0.9178% | 1,282 |
| Noninterest expense to average assets | 2.8130% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2182% | 404 |
| Return on assets (ROA) | 2.2182% | 439 |
| Pretax return on assets | 2.2182% | 669 |
| Return on Equity (ROE) | 22.3627% | 370 |
| Retained earnings to average equity (ytd only) | 14.5132% | 691 |
| Net charge-offs to loans | -0.0060% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9108% | 3,556 |
| Assets per employee ($millions) | 5.0317% | 3,619 |
| Cash dividends to net income (ytd only)* | 35.1005% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,481 |
| Loan loss allowance to noncurrent loans | 1,540.6091% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,920 |
| Noncurrent loans to loans | 0.0997% | 3,805 |
| Net loans and leases to total assets | 63.4067% | 2,113 |
| Net loans and leases to deposits | 77.1853% | 1,784 |
| Net loans and leases to core deposits | 79.5440% | 2,049 |
| Total domestic deposits to total assets | 82.1487% | 3,864 |
| Equity capital to assets | 9.6101% | 3,091 |
| Core capital (leverage) ratio | 9.4311% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,910,000 | 2,460 |
| Average earning assets | $275,960,000 | 2,457 |
| Average equity | $29,352,500 | 2,596 |
| Average total loans | $200,557,500 | 2,282 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9210% | 576 |
| Cost of funding earning assets | 0.6195% | 2,186 |
| Net interest margin | 4.3016% | 509 |
| Noninterest income to average assets | 0.9678% | 1,111 |
| Noninterest expense to average assets | 2.9089% | 1,662 |
| Loan and lease loss provision to assets | 0.2669% | 1,446 |
| Net operating income to assets | 1.7824% | 404 |
| Return on assets (ROA) | 1.8495% | 377 |
| Pretax return on assets | 1.8495% | 614 |
| Return on Equity (ROE) | 18.7357% | 292 |
| Retained earnings to average equity (ytd only) | 7.8714% | 1,093 |
| Net charge-offs to loans | 0.0372% | 2,310 |
| Credit loss provision to net charge-offs | 1,013.6986% | 774 |
| Earnings coverage of net charge-offs (x) | 77.8219% | 910 |
| Efficiency ratio | 58.6686% | 3,638 |
| Assets per employee ($millions) | 4.6702% | 3,743 |
| Cash dividends to net income (ytd only)* | 57.9871% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,622 |
| Loan loss allowance to noncurrent loans | 1,703.3708% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,032 |
| Noncurrent loans to loans | 0.0875% | 3,938 |
| Net loans and leases to total assets | 70.3550% | 1,509 |
| Net loans and leases to deposits | 87.0054% | 1,175 |
| Net loans and leases to core deposits | 89.9051% | 1,529 |
| Total domestic deposits to total assets | 80.8627% | 3,899 |
| Equity capital to assets | 10.2526% | 2,883 |
| Core capital (leverage) ratio | 9.1204% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,213,600 | 2,415 |
| Average earning assets | $257,161,400 | 2,423 |
| Average equity | $27,364,800 | 2,651 |
| Average total loans | $196,090,600 | 2,273 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 510 |
| Cost of funding earning assets | 0.6333% | 2,414 |
| Net interest margin | 4.4596% | 422 |
| Noninterest income to average assets | 0.8902% | 1,258 |
| Noninterest expense to average assets | 2.8274% | 1,894 |
| Loan and lease loss provision to assets | 0.3585% | 1,046 |
| Net operating income to assets | 1.8380% | 417 |
| Return on assets (ROA) | 1.9281% | 380 |
| Pretax return on assets | 1.9281% | 596 |
| Return on Equity (ROE) | 19.7289% | 248 |
| Retained earnings to average equity (ytd only) | 8.5190% | 1,138 |
| Net charge-offs to loans | -0.0007% | 3,792 |
| Credit loss provision to net charge-offs | -74,000.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2807% | 3,882 |
| Assets per employee ($millions) | 4.9496% | 3,314 |
| Cash dividends to net income (ytd only)* | 56.8199% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,418 |
| Loan loss allowance to noncurrent loans | 910.8504% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 3,854 |
| Noncurrent loans to loans | 0.1635% | 3,733 |
| Net loans and leases to total assets | 69.1883% | 2,079 |
| Net loans and leases to deposits | 83.6790% | 1,942 |
| Net loans and leases to core deposits | 86.4108% | 2,281 |
| Total domestic deposits to total assets | 82.6831% | 3,229 |
| Equity capital to assets | 9.6082% | 3,598 |
| Core capital (leverage) ratio | 8.9137% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,296,000 | 2,400 |
| Average earning assets | $255,175,250 | 2,415 |
| Average equity | $26,904,000 | 2,674 |
| Average total loans | $194,247,750 | 2,287 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4741% | 351 |
| Cost of funding earning assets | 0.6496% | 2,698 |
| Net interest margin | 4.8245% | 273 |
| Noninterest income to average assets | 0.7699% | 1,522 |
| Noninterest expense to average assets | 2.8388% | 2,001 |
| Loan and lease loss provision to assets | 0.3880% | 1,058 |
| Net operating income to assets | 2.0092% | 330 |
| Return on assets (ROA) | 2.0801% | 314 |
| Pretax return on assets | 2.0801% | 467 |
| Return on Equity (ROE) | 21.1527% | 193 |
| Retained earnings to average equity (ytd only) | 11.4868% | 534 |
| Net charge-offs to loans | 0.0011% | 2,994 |
| Credit loss provision to net charge-offs | 52,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 3,213.0000% | 19 |
| Efficiency ratio | 54.2177% | 4,158 |
| Assets per employee ($millions) | 5.0517% | 3,110 |
| Cash dividends to net income (ytd only)* | 45.6958% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,603 |
| Loan loss allowance to noncurrent loans | 753.0026% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 3,874 |
| Noncurrent loans to loans | 0.1853% | 3,717 |
| Net loans and leases to total assets | 69.5689% | 2,100 |
| Net loans and leases to deposits | 86.1262% | 1,751 |
| Net loans and leases to core deposits | 88.9270% | 2,166 |
| Total domestic deposits to total assets | 80.7755% | 3,664 |
| Equity capital to assets | 9.6544% | 3,519 |
| Core capital (leverage) ratio | 9.2288% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,069,667 | 2,425 |
| Average earning assets | $248,152,333 | 2,432 |
| Average equity | $26,360,667 | 2,691 |
| Average total loans | $189,471,000 | 2,313 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 934 |
| Cost of funding earning assets | 0.6771% | 3,026 |
| Net interest margin | 4.3401% | 703 |
| Noninterest income to average assets | 0.5775% | 2,145 |
| Noninterest expense to average assets | 2.8685% | 2,218 |
| Loan and lease loss provision to assets | 0.3443% | 894 |
| Net operating income to assets | 1.3771% | 1,044 |
| Return on assets (ROA) | 1.5258% | 802 |
| Pretax return on assets | 1.5258% | 1,243 |
| Return on Equity (ROE) | 15.3558% | 508 |
| Retained earnings to average equity (ytd only) | 5.4494% | 2,086 |
| Net charge-offs to loans | 0.0066% | 2,338 |
| Credit loss provision to net charge-offs | 7,333.3333% | 100 |
| Earnings coverage of net charge-offs (x) | 366.6667% | 185 |
| Efficiency ratio | 62.4957% | 3,440 |
| Assets per employee ($millions) | 4.3886% | 3,425 |
| Cash dividends to net income (ytd only)* | 64.5128% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,651 |
| Loan loss allowance to noncurrent loans | 410.4928% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 3,446 |
| Noncurrent loans to loans | 0.3444% | 3,258 |
| Net loans and leases to total assets | 71.9786% | 1,922 |
| Net loans and leases to deposits | 89.2913% | 1,598 |
| Net loans and leases to core deposits | 92.7029% | 2,096 |
| Total domestic deposits to total assets | 80.6110% | 3,742 |
| Equity capital to assets | 10.1842% | 3,616 |
| Core capital (leverage) ratio | 9.7575% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4682% | 2,088 |
| Memoranda: | ||
| Average total assets | $255,606,500 | 2,461 |
| Average earning assets | $236,308,500 | 2,464 |
| Average equity | $25,397,500 | 2,752 |
| Average total loans | $180,847,500 | 2,349 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 884 |
| Cost of funding earning assets | 0.6635% | 3,337 |
| Net interest margin | 4.6008% | 571 |
| Noninterest income to average assets | 0.6014% | 2,209 |
| Noninterest expense to average assets | 2.9160% | 2,245 |
| Loan and lease loss provision to assets | 0.0620% | 2,797 |
| Net operating income to assets | 1.8626% | 464 |
| Return on assets (ROA) | 1.8742% | 476 |
| Pretax return on assets | 1.8742% | 788 |
| Return on Equity (ROE) | 18.9709% | 270 |
| Retained earnings to average equity (ytd only) | 8.5509% | 818 |
| Net charge-offs to loans | -0.0222% | 4,648 |
| Credit loss provision to net charge-offs | -394.7368% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2407% | 3,655 |
| Assets per employee ($millions) | 4.5800% | 3,105 |
| Cash dividends to net income (ytd only)* | 54.9262% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 1,833 |
| Loan loss allowance to noncurrent loans | 589.7756% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 3,867 |
| Noncurrent loans to loans | 0.2240% | 3,648 |
| Net loans and leases to total assets | 67.6823% | 2,728 |
| Net loans and leases to deposits | 83.3178% | 2,409 |
| Net loans and leases to core deposits | 86.1463% | 2,779 |
| Total domestic deposits to total assets | 81.2339% | 3,716 |
| Equity capital to assets | 9.6985% | 4,182 |
| Core capital (leverage) ratio | 9.6130% | 3,945 |
| Tier 1 risk-based capital ratio | 13.1910% | 3,689 |
| Total risk-based capital ratio | 14.4411% | 3,575 |
| Memoranda: | ||
| Average total assets | $242,082,200 | 2,514 |
| Average earning assets | $223,045,800 | 2,513 |
| Average equity | $23,915,600 | 2,804 |
| Average total loans | $171,180,800 | 2,405 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3535% | 771 |
| Cost of funding earning assets | 0.6547% | 3,429 |
| Net interest margin | 4.6989% | 503 |
| Noninterest income to average assets | 0.6095% | 2,158 |
| Noninterest expense to average assets | 2.9847% | 2,019 |
| Loan and lease loss provision to assets | 0.0337% | 3,235 |
| Net operating income to assets | 1.9134% | 478 |
| Return on assets (ROA) | 1.9291% | 480 |
| Pretax return on assets | 1.9291% | 809 |
| Return on Equity (ROE) | 19.4297% | 287 |
| Retained earnings to average equity (ytd only) | 9.2509% | 974 |
| Net charge-offs to loans | -0.0378% | 4,774 |
| Credit loss provision to net charge-offs | -125.0000% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5194% | 3,540 |
| Assets per employee ($millions) | 4.3871% | 3,359 |
| Cash dividends to net income (ytd only)* | 52.3880% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 1,905 |
| Loan loss allowance to noncurrent loans | 349.3884% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,518 |
| Noncurrent loans to loans | 0.3763% | 3,209 |
| Net loans and leases to total assets | 68.5790% | 2,694 |
| Net loans and leases to deposits | 86.5285% | 2,132 |
| Net loans and leases to core deposits | 89.2824% | 2,607 |
| Total domestic deposits to total assets | 79.2559% | 4,133 |
| Equity capital to assets | 9.9823% | 4,036 |
| Core capital (leverage) ratio | 10.0653% | 3,571 |
| Tier 1 risk-based capital ratio | 13.3548% | 3,655 |
| Total risk-based capital ratio | 14.6045% | 3,549 |
| Memoranda: | ||
| Average total assets | $237,337,500 | 2,559 |
| Average earning assets | $218,317,250 | 2,568 |
| Average equity | $23,564,750 | 2,844 |
| Average total loans | $169,211,750 | 2,444 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 737 |
| Cost of funding earning assets | 0.6403% | 3,462 |
| Net interest margin | 4.7095% | 484 |
| Noninterest income to average assets | 0.6023% | 2,141 |
| Noninterest expense to average assets | 3.0700% | 1,814 |
| Loan and lease loss provision to assets | 0.0172% | 3,447 |
| Net operating income to assets | 1.8567% | 533 |
| Return on assets (ROA) | 1.8593% | 555 |
| Pretax return on assets | 1.8593% | 914 |
| Return on Equity (ROE) | 18.7627% | 334 |
| Retained earnings to average equity (ytd only) | 8.2428% | 1,298 |
| Net charge-offs to loans | -0.0561% | 4,856 |
| Credit loss provision to net charge-offs | -42.5532% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0965% | 3,420 |
| Assets per employee ($millions) | 4.1925% | 3,587 |
| Cash dividends to net income (ytd only)* | 56.0683% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 1,863 |
| Loan loss allowance to noncurrent loans | 224.1758% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 2,837 |
| Noncurrent loans to loans | 0.5966% | 2,482 |
| Net loans and leases to total assets | 69.2709% | 2,633 |
| Net loans and leases to deposits | 88.7746% | 1,891 |
| Net loans and leases to core deposits | 91.5683% | 2,455 |
| Total domestic deposits to total assets | 78.0301% | 4,390 |
| Equity capital to assets | 10.0899% | 3,899 |
| Core capital (leverage) ratio | 10.0191% | 3,565 |
| Tier 1 risk-based capital ratio | 13.6659% | 3,504 |
| Total risk-based capital ratio | 14.9163% | 3,401 |
| Memoranda: | ||
| Average total assets | $233,096,000 | 2,592 |
| Average earning assets | $214,886,670 | 2,601 |
| Average equity | $23,099,000 | 2,874 |
| Average total loans | $167,690,670 | 2,464 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 533 |
| Cost of funding earning assets | 0.6287% | 3,413 |
| Net interest margin | 4.8578% | 365 |
| Noninterest income to average assets | 0.5839% | 2,123 |
| Noninterest expense to average assets | 3.0466% | 1,857 |
| Loan and lease loss provision to assets | 0.0174% | 3,211 |
| Net operating income to assets | 1.9917% | 389 |
| Return on assets (ROA) | 1.9969% | 401 |
| Pretax return on assets | 1.9969% | 646 |
| Return on Equity (ROE) | 20.3430% | 248 |
| Retained earnings to average equity (ytd only) | 10.4282% | 935 |
| Net charge-offs to loans | -0.0954% | 5,015 |
| Credit loss provision to net charge-offs | -25.0000% | 3,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2613% | 3,769 |
| Assets per employee ($millions) | 4.0886% | 3,797 |
| Cash dividends to net income (ytd only)* | 48.7380% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 2,028 |
| Loan loss allowance to noncurrent loans | 218.9774% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 2,822 |
| Noncurrent loans to loans | 0.6001% | 2,537 |
| Net loans and leases to total assets | 73.0407% | 1,967 |
| Net loans and leases to deposits | 93.9401% | 1,186 |
| Net loans and leases to core deposits | 97.3729% | 1,828 |
| Total domestic deposits to total assets | 77.7524% | 4,555 |
| Equity capital to assets | 10.1354% | 3,688 |
| Core capital (leverage) ratio | 9.9648% | 3,641 |
| Tier 1 risk-based capital ratio | 12.8872% | 3,935 |
| Total risk-based capital ratio | 14.1218% | 3,842 |
| Memoranda: | ||
| Average total assets | $230,158,000 | 2,639 |
| Average earning assets | $211,865,500 | 2,649 |
| Average equity | $22,592,500 | 2,921 |
| Average total loans | $167,645,000 | 2,495 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 967 |
| Cost of funding earning assets | 0.5104% | 3,289 |
| Net interest margin | 4.5263% | 728 |
| Noninterest income to average assets | 0.6059% | 2,260 |
| Noninterest expense to average assets | 3.0828% | 1,846 |
| Loan and lease loss provision to assets | 0.0266% | 3,646 |
| Net operating income to assets | 1.6644% | 746 |
| Return on assets (ROA) | 1.6644% | 743 |
| Pretax return on assets | 1.6644% | 1,262 |
| Return on Equity (ROE) | 17.7839% | 415 |
| Retained earnings to average equity (ytd only) | 7.3386% | 1,522 |
| Net charge-offs to loans | 0.0198% | 3,034 |
| Credit loss provision to net charge-offs | 187.5000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 119.4063% | 652 |
| Efficiency ratio | 64.5777% | 3,103 |
| Assets per employee ($millions) | 3.7927% | 4,190 |
| Cash dividends to net income (ytd only)* | 58.7344% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 1,980 |
| Loan loss allowance to noncurrent loans | 195.2466% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 2,644 |
| Noncurrent loans to loans | 0.6724% | 2,315 |
| Net loans and leases to total assets | 70.7360% | 2,454 |
| Net loans and leases to deposits | 88.8500% | 1,945 |
| Net loans and leases to core deposits | 91.7620% | 2,428 |
| Total domestic deposits to total assets | 79.6128% | 4,190 |
| Equity capital to assets | 9.5001% | 4,134 |
| Core capital (leverage) ratio | 9.6578% | 3,941 |
| Tier 1 risk-based capital ratio | 13.1051% | 3,785 |
| Total risk-based capital ratio | 14.3551% | 3,679 |
| Memoranda: | ||
| Average total assets | $225,962,200 | 2,643 |
| Average earning assets | $208,071,200 | 2,651 |
| Average equity | $21,148,400 | 2,972 |
| Average total loans | $161,500,200 | 2,506 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 962 |
| Cost of funding earning assets | 0.4871% | 3,279 |
| Net interest margin | 4.5004% | 739 |
| Noninterest income to average assets | 0.6037% | 2,286 |
| Noninterest expense to average assets | 3.0814% | 1,813 |
| Loan and lease loss provision to assets | 0.0059% | 3,854 |
| Net operating income to assets | 1.6627% | 811 |
| Return on assets (ROA) | 1.6627% | 818 |
| Pretax return on assets | 1.6627% | 1,373 |
| Return on Equity (ROE) | 17.8340% | 441 |
| Retained earnings to average equity (ytd only) | 7.3984% | 1,929 |
| Net charge-offs to loans | -0.0017% | 4,070 |
| Credit loss provision to net charge-offs | -500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8713% | 3,049 |
| Assets per employee ($millions) | 3.9707% | 3,935 |
| Cash dividends to net income (ytd only)* | 58.5149% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 1,935 |
| Loan loss allowance to noncurrent loans | 179.3361% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 2,648 |
| Noncurrent loans to loans | 0.7453% | 2,226 |
| Net loans and leases to total assets | 69.2673% | 2,766 |
| Net loans and leases to deposits | 89.3221% | 1,980 |
| Net loans and leases to core deposits | 92.3374% | 2,443 |
| Total domestic deposits to total assets | 77.5477% | 4,555 |
| Equity capital to assets | 9.2261% | 4,347 |
| Core capital (leverage) ratio | 9.8600% | 3,788 |
| Tier 1 risk-based capital ratio | 13.0325% | 3,887 |
| Total risk-based capital ratio | 14.2821% | 3,797 |
| Memoranda: | ||
| Average total assets | $224,613,750 | 2,666 |
| Average earning assets | $206,941,000 | 2,675 |
| Average equity | $20,940,750 | 3,021 |
| Average total loans | $160,418,000 | 2,531 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9625% | 890 |
| Cost of funding earning assets | 0.4692% | 3,231 |
| Net interest margin | 4.4933% | 710 |
| Noninterest income to average assets | 0.6205% | 2,223 |
| Noninterest expense to average assets | 3.1367% | 1,702 |
| Loan and lease loss provision to assets | 0.0090% | 3,665 |
| Net operating income to assets | 1.6110% | 896 |
| Return on assets (ROA) | 1.6110% | 903 |
| Pretax return on assets | 1.6110% | 1,466 |
| Return on Equity (ROE) | 17.2183% | 500 |
| Retained earnings to average equity (ytd only) | 6.5072% | 2,309 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9430% | 2,993 |
| Assets per employee ($millions) | 3.8017% | 4,210 |
| Cash dividends to net income (ytd only)* | 62.2074% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,830 |
| Loan loss allowance to noncurrent loans | 197.8918% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 2,777 |
| Noncurrent loans to loans | 0.6950% | 2,369 |
| Net loans and leases to total assets | 70.2150% | 2,549 |
| Net loans and leases to deposits | 90.1880% | 1,810 |
| Net loans and leases to core deposits | 92.8218% | 2,325 |
| Total domestic deposits to total assets | 77.8540% | 4,613 |
| Equity capital to assets | 9.5079% | 4,091 |
| Core capital (leverage) ratio | 9.8330% | 3,752 |
| Tier 1 risk-based capital ratio | 13.2468% | 3,763 |
| Total risk-based capital ratio | 14.4972% | 3,687 |
| Memoranda: | ||
| Average total assets | $222,717,670 | 2,703 |
| Average earning assets | $205,016,000 | 2,709 |
| Average equity | $20,838,330 | 3,045 |
| Average total loans | $159,995,670 | 2,549 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 850 |
| Cost of funding earning assets | 0.4579% | 3,147 |
| Net interest margin | 4.4546% | 676 |
| Noninterest income to average assets | 0.6005% | 2,250 |
| Noninterest expense to average assets | 3.1131% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5905% | 877 |
| Return on assets (ROA) | 1.5905% | 880 |
| Pretax return on assets | 1.5905% | 1,416 |
| Return on Equity (ROE) | 17.1360% | 497 |
| Retained earnings to average equity (ytd only) | 5.9687% | 2,718 |
| Net charge-offs to loans | -0.0050% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1854% | 3,127 |
| Assets per employee ($millions) | 3.9360% | 4,089 |
| Cash dividends to net income (ytd only)* | 65.1685% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 2,031 |
| Loan loss allowance to noncurrent loans | 159.6882% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 2,514 |
| Noncurrent loans to loans | 0.8433% | 2,128 |
| Net loans and leases to total assets | 70.2343% | 2,441 |
| Net loans and leases to deposits | 88.3994% | 1,882 |
| Net loans and leases to core deposits | 90.8777% | 2,383 |
| Total domestic deposits to total assets | 79.4510% | 4,501 |
| Equity capital to assets | 9.2168% | 4,344 |
| Core capital (leverage) ratio | 9.6505% | 3,907 |
| Tier 1 risk-based capital ratio | 12.9065% | 4,001 |
| Total risk-based capital ratio | 14.1566% | 3,891 |
| Memoranda: | ||
| Average total assets | $223,826,500 | 2,717 |
| Average earning assets | $206,170,000 | 2,731 |
| Average equity | $20,775,000 | 3,072 |
| Average total loans | $161,502,000 | 2,557 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0253% | 616 |
| Cost of funding earning assets | 0.4388% | 2,886 |
| Net interest margin | 4.5865% | 514 |
| Noninterest income to average assets | 0.7235% | 1,871 |
| Noninterest expense to average assets | 3.2459% | 1,516 |
| Loan and lease loss provision to assets | 0.2785% | 639 |
| Net operating income to assets | 1.4016% | 1,014 |
| Return on assets (ROA) | 1.4036% | 1,026 |
| Pretax return on assets | 1.4036% | 1,974 |
| Return on Equity (ROE) | 14.8314% | 635 |
| Retained earnings to average equity (ytd only) | 4.3002% | 2,578 |
| Net charge-offs to loans | 0.0775% | 2,343 |
| Credit loss provision to net charge-offs | 459.6774% | 685 |
| Earnings coverage of net charge-offs (x) | 27.7339% | 1,625 |
| Efficiency ratio | 65.8931% | 3,292 |
| Assets per employee ($millions) | 3.8500% | 4,203 |
| Cash dividends to net income (ytd only)* | 71.0059% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,133 |
| Loan loss allowance to noncurrent loans | 169.6133% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 2,650 |
| Noncurrent loans to loans | 0.7760% | 2,275 |
| Net loans and leases to total assets | 72.1591% | 2,209 |
| Net loans and leases to deposits | 90.7658% | 1,683 |
| Net loans and leases to core deposits | 93.2347% | 2,263 |
| Total domestic deposits to total assets | 79.5003% | 4,442 |
| Equity capital to assets | 9.3470% | 4,381 |
| Core capital (leverage) ratio | 9.2719% | 4,325 |
| Tier 1 risk-based capital ratio | 12.6525% | 4,116 |
| Total risk-based capital ratio | 13.9025% | 4,006 |
| Memoranda: | ||
| Average total assets | $204,690,000 | 2,875 |
| Average earning assets | $187,551,800 | 2,884 |
| Average equity | $19,371,000 | 3,210 |
| Average total loans | $160,065,000 | 2,550 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 514 |
| Cost of funding earning assets | 0.4234% | 2,949 |
| Net interest margin | 4.6643% | 439 |
| Noninterest income to average assets | 0.7112% | 1,951 |
| Noninterest expense to average assets | 3.3066% | 1,329 |
| Loan and lease loss provision to assets | 0.3733% | 390 |
| Net operating income to assets | 1.2971% | 1,345 |
| Return on assets (ROA) | 1.2997% | 1,372 |
| Pretax return on assets | 1.2997% | 2,496 |
| Return on Equity (ROE) | 13.6870% | 895 |
| Retained earnings to average equity (ytd only) | 4.1131% | 3,466 |
| Net charge-offs to loans | 0.0167% | 3,180 |
| Credit loss provision to net charge-offs | 2,800.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 125.2812% | 607 |
| Efficiency ratio | 66.4390% | 3,135 |
| Assets per employee ($millions) | 4.0371% | 3,927 |
| Cash dividends to net income (ytd only)* | 69.9485% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 2,048 |
| Loan loss allowance to noncurrent loans | 170.7002% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 2,813 |
| Noncurrent loans to loans | 0.8002% | 2,355 |
| Net loans and leases to total assets | 70.3862% | 2,502 |
| Net loans and leases to deposits | 88.8388% | 1,948 |
| Net loans and leases to core deposits | 91.1901% | 2,514 |
| Total domestic deposits to total assets | 79.2292% | 4,490 |
| Equity capital to assets | 9.0863% | 4,835 |
| Core capital (leverage) ratio | 9.8687% | 3,734 |
| Tier 1 risk-based capital ratio | 12.6158% | 4,253 |
| Total risk-based capital ratio | 13.8666% | 4,154 |
| Memoranda: | ||
| Average total assets | $200,037,250 | 2,949 |
| Average earning assets | $182,944,500 | 2,959 |
| Average equity | $18,995,750 | 3,277 |
| Average total loans | $159,261,000 | 2,575 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 368 |
| Cost of funding earning assets | 0.4129% | 2,952 |
| Net interest margin | 4.8212% | 310 |
| Noninterest income to average assets | 0.6831% | 2,067 |
| Noninterest expense to average assets | 3.5008% | 1,011 |
| Loan and lease loss provision to assets | 0.4579% | 264 |
| Net operating income to assets | 1.1115% | 1,921 |
| Return on assets (ROA) | 1.1157% | 1,951 |
| Pretax return on assets | 1.1157% | 3,111 |
| Return on Equity (ROE) | 11.5481% | 1,446 |
| Retained earnings to average equity (ytd only) | 3.0504% | 3,898 |
| Net charge-offs to loans | 0.0368% | 2,461 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 51.4138% | 1,056 |
| Efficiency ratio | 69.0471% | 2,842 |
| Assets per employee ($millions) | 3.3059% | 4,977 |
| Cash dividends to net income (ytd only)* | 73.5849% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 2,605 |
| Loan loss allowance to noncurrent loans | 267.6396% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 3,522 |
| Noncurrent loans to loans | 0.4719% | 3,330 |
| Net loans and leases to total assets | 83.1197% | 536 |
| Net loans and leases to deposits | 105.4911% | 416 |
| Net loans and leases to core deposits | 108.3159% | 1,089 |
| Total domestic deposits to total assets | 78.7931% | 4,664 |
| Equity capital to assets | 10.4111% | 3,450 |
| Core capital (leverage) ratio | 10.6306% | 2,777 |
| Tier 1 risk-based capital ratio | 12.2173% | 4,482 |
| Total risk-based capital ratio | 13.4669% | 4,363 |
| Memoranda: | ||
| Average total assets | $190,011,000 | 3,059 |
| Average earning assets | $172,904,000 | 3,072 |
| Average equity | $18,358,000 | 3,352 |
| Average total loans | $157,610,330 | 2,596 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2857% | 327 |
| Cost of funding earning assets | 0.4077% | 2,922 |
| Net interest margin | 4.8780% | 271 |
| Noninterest income to average assets | 0.7469% | 1,756 |
| Noninterest expense to average assets | 3.5235% | 1,010 |
| Loan and lease loss provision to assets | 0.3013% | 446 |
| Net operating income to assets | 1.3517% | 1,113 |
| Return on assets (ROA) | 1.3603% | 1,126 |
| Pretax return on assets | 1.3603% | 2,028 |
| Return on Equity (ROE) | 14.6879% | 691 |
| Retained earnings to average equity (ytd only) | 3.9044% | 3,495 |
| Net charge-offs to loans | 0.0942% | 1,417 |
| Credit loss provision to net charge-offs | 388.8889% | 661 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,450 |
| Efficiency ratio | 68.0665% | 3,182 |
| Assets per employee ($millions) | 3.2079% | 5,156 |
| Cash dividends to net income (ytd only)* | 73.4177% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,240 |
| Loan loss allowance to noncurrent loans | 273.7879% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3762% | 3,694 |
| Noncurrent loans to loans | 0.4320% | 3,551 |
| Net loans and leases to total assets | 81.1375% | 674 |
| Net loans and leases to deposits | 102.1276% | 495 |
| Net loans and leases to core deposits | 104.6545% | 1,182 |
| Total domestic deposits to total assets | 79.4472% | 4,724 |
| Equity capital to assets | 9.3240% | 4,482 |
| Core capital (leverage) ratio | 9.3193% | 4,320 |
| Tier 1 risk-based capital ratio | 11.2132% | 5,197 |
| Total risk-based capital ratio | 12.3751% | 5,140 |
| Memoranda: | ||
| Average total assets | $185,839,000 | 3,133 |
| Average earning assets | $168,757,500 | 3,150 |
| Average equity | $17,211,500 | 3,514 |
| Average total loans | $152,925,000 | 2,662 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 372 |
| Cost of funding earning assets | 0.3625% | 3,388 |
| Net interest margin | 4.9089% | 288 |
| Noninterest income to average assets | 0.8223% | 1,670 |
| Noninterest expense to average assets | 3.5574% | 1,072 |
| Loan and lease loss provision to assets | 0.2238% | 974 |
| Net operating income to assets | 1.5115% | 816 |
| Return on assets (ROA) | 1.5371% | 797 |
| Pretax return on assets | 1.5371% | 1,470 |
| Return on Equity (ROE) | 16.4068% | 468 |
| Retained earnings to average equity (ytd only) | 7.3328% | 1,102 |
| Net charge-offs to loans | -0.0246% | 5,180 |
| Credit loss provision to net charge-offs | -1,182.3529% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2136% | 3,401 |
| Assets per employee ($millions) | 3.2004% | 5,146 |
| Cash dividends to net income (ytd only)* | 55.3060% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,641 |
| Loan loss allowance to noncurrent loans | 274.2351% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 3,944 |
| Noncurrent loans to loans | 0.4057% | 3,693 |
| Net loans and leases to total assets | 81.5522% | 662 |
| Net loans and leases to deposits | 99.2116% | 725 |
| Net loans and leases to core deposits | 101.4122% | 1,493 |
| Total domestic deposits to total assets | 82.2003% | 4,014 |
| Equity capital to assets | 9.1989% | 4,582 |
| Core capital (leverage) ratio | 9.2634% | 4,388 |
| Tier 1 risk-based capital ratio | 11.1981% | 5,220 |
| Total risk-based capital ratio | 12.3023% | 5,203 |
| Memoranda: | ||
| Average total assets | $179,625,400 | 3,168 |
| Average earning assets | $163,580,000 | 3,188 |
| Average equity | $16,828,400 | 3,574 |
| Average total loans | $138,371,200 | 2,802 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2195% | 413 |
| Cost of funding earning assets | 0.3582% | 3,452 |
| Net interest margin | 4.8613% | 326 |
| Noninterest income to average assets | 0.8054% | 1,744 |
| Noninterest expense to average assets | 3.5075% | 1,140 |
| Loan and lease loss provision to assets | 0.2395% | 804 |
| Net operating income to assets | 1.4873% | 901 |
| Return on assets (ROA) | 1.5217% | 893 |
| Pretax return on assets | 1.5217% | 1,645 |
| Return on Equity (ROE) | 16.1665% | 528 |
| Retained earnings to average equity (ytd only) | 7.3398% | 1,463 |
| Net charge-offs to loans | -0.0297% | 5,163 |
| Credit loss provision to net charge-offs | -1,066.6667% | 5,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0099% | 3,421 |
| Assets per employee ($millions) | 3.0479% | 5,347 |
| Cash dividends to net income (ytd only)* | 54.5990% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 3,797 |
| Loan loss allowance to noncurrent loans | 246.1187% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 3,977 |
| Noncurrent loans to loans | 0.4495% | 3,667 |
| Net loans and leases to total assets | 79.0385% | 1,034 |
| Net loans and leases to deposits | 97.3117% | 919 |
| Net loans and leases to core deposits | 99.5290% | 1,681 |
| Total domestic deposits to total assets | 81.2219% | 4,191 |
| Equity capital to assets | 9.4410% | 4,726 |
| Core capital (leverage) ratio | 9.3038% | 4,453 |
| Tier 1 risk-based capital ratio | 11.4876% | 5,093 |
| Total risk-based capital ratio | 12.5829% | 5,089 |
| Memoranda: | ||
| Average total assets | $178,126,500 | 3,197 |
| Average earning assets | $162,283,250 | 3,213 |
| Average equity | $16,766,750 | 3,611 |
| Average total loans | $134,693,750 | 2,851 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 489 |
| Cost of funding earning assets | 0.3467% | 3,607 |
| Net interest margin | 4.7570% | 396 |
| Noninterest income to average assets | 0.7975% | 1,726 |
| Noninterest expense to average assets | 3.4598% | 1,243 |
| Loan and lease loss provision to assets | 0.2606% | 724 |
| Net operating income to assets | 1.4297% | 1,008 |
| Return on assets (ROA) | 1.4818% | 971 |
| Pretax return on assets | 1.4818% | 1,734 |
| Return on Equity (ROE) | 15.7584% | 565 |
| Retained earnings to average equity (ytd only) | 7.8672% | 1,213 |
| Net charge-offs to loans | -0.0183% | 4,911 |
| Credit loss provision to net charge-offs | -1,916.6667% | 5,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1799% | 3,507 |
| Assets per employee ($millions) | 3.2011% | 5,200 |
| Cash dividends to net income (ytd only)* | 50.0765% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,932 |
| Loan loss allowance to noncurrent loans | 112.6960% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 2,849 |
| Noncurrent loans to loans | 0.9785% | 2,321 |
| Net loans and leases to total assets | 71.6561% | 2,225 |
| Net loans and leases to deposits | 88.2857% | 1,953 |
| Net loans and leases to core deposits | 90.2335% | 2,514 |
| Total domestic deposits to total assets | 81.1639% | 4,225 |
| Equity capital to assets | 9.0122% | 5,228 |
| Core capital (leverage) ratio | 9.5268% | 4,169 |
| Tier 1 risk-based capital ratio | 12.1598% | 4,721 |
| Total risk-based capital ratio | 13.2593% | 4,735 |
| Memoranda: | ||
| Average total assets | $176,544,330 | 3,237 |
| Average earning assets | $161,529,670 | 3,249 |
| Average equity | $16,600,670 | 3,645 |
| Average total loans | $130,872,670 | 2,921 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 509 |
| Cost of funding earning assets | 0.3535% | 3,564 |
| Net interest margin | 4.7229% | 412 |
| Noninterest income to average assets | 0.7865% | 1,674 |
| Noninterest expense to average assets | 3.5637% | 1,077 |
| Loan and lease loss provision to assets | 0.4108% | 333 |
| Net operating income to assets | 1.1715% | 1,639 |
| Return on assets (ROA) | 1.1715% | 1,745 |
| Pretax return on assets | 1.1715% | 2,812 |
| Return on Equity (ROE) | 12.1778% | 1,264 |
| Retained earnings to average equity (ytd only) | 3.6363% | 3,673 |
| Net charge-offs to loans | -0.0094% | 4,500 |
| Credit loss provision to net charge-offs | -5,833.3333% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2518% | 3,256 |
| Assets per employee ($millions) | 3.0596% | 5,441 |
| Cash dividends to net income (ytd only)* | 70.1403% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 4,160 |
| Loan loss allowance to noncurrent loans | 105.2440% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 2,730 |
| Noncurrent loans to loans | 1.0272% | 2,329 |
| Net loans and leases to total assets | 75.8165% | 1,419 |
| Net loans and leases to deposits | 89.3108% | 1,659 |
| Net loans and leases to core deposits | 91.0325% | 2,274 |
| Total domestic deposits to total assets | 84.8907% | 3,167 |
| Equity capital to assets | 9.4853% | 4,681 |
| Core capital (leverage) ratio | 9.2909% | 4,505 |
| Tier 1 risk-based capital ratio | 12.0441% | 4,886 |
| Total risk-based capital ratio | 13.1194% | 4,905 |
| Memoranda: | ||
| Average total assets | $170,383,500 | 3,320 |
| Average earning assets | $157,277,000 | 3,327 |
| Average equity | $16,390,500 | 3,678 |
| Average total loans | $127,887,500 | 2,966 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 759 |
| Cost of funding earning assets | 0.3328% | 3,875 |
| Net interest margin | 4.5717% | 582 |
| Noninterest income to average assets | 0.8220% | 1,699 |
| Noninterest expense to average assets | 3.5432% | 1,227 |
| Loan and lease loss provision to assets | 0.2260% | 898 |
| Net operating income to assets | 1.2959% | 1,274 |
| Return on assets (ROA) | 1.2959% | 1,324 |
| Pretax return on assets | 1.2959% | 2,301 |
| Return on Equity (ROE) | 13.4026% | 973 |
| Retained earnings to average equity (ytd only) | 9.4546% | 544 |
| Net charge-offs to loans | 0.1419% | 1,929 |
| Credit loss provision to net charge-offs | 220.0000% | 1,291 |
| Earnings coverage of net charge-offs (x) | 14.8121% | 2,260 |
| Efficiency ratio | 69.9533% | 3,232 |
| Assets per employee ($millions) | 2.8685% | 5,645 |
| Cash dividends to net income (ytd only)* | 29.4570% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 4,397 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8703% | 2,493 |
| Noncurrent loans to loans | 1.1858% | 1,987 |
| Net loans and leases to total assets | 72.6341% | 1,951 |
| Net loans and leases to deposits | 83.8784% | 2,374 |
| Net loans and leases to core deposits | 85.5373% | 2,826 |
| Total domestic deposits to total assets | 86.5944% | 2,329 |
| Equity capital to assets | 9.7607% | 4,230 |
| Core capital (leverage) ratio | 9.2386% | 4,562 |
| Tier 1 risk-based capital ratio | 13.1468% | 4,207 |
| Total risk-based capital ratio | 14.1855% | 4,263 |
| Memoranda: | ||
| Average total assets | $160,587,600 | 3,423 |
| Average earning assets | $149,049,000 | 3,421 |
| Average equity | $15,526,800 | 3,756 |
| Average total loans | $116,298,400 | 3,103 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8826% | 798 |
| Cost of funding earning assets | 0.3159% | 4,154 |
| Net interest margin | 4.5666% | 575 |
| Noninterest income to average assets | 0.8286% | 1,694 |
| Noninterest expense to average assets | 3.5221% | 1,247 |
| Loan and lease loss provision to assets | 0.3041% | 473 |
| Net operating income to assets | 1.2408% | 1,521 |
| Return on assets (ROA) | 1.2408% | 1,579 |
| Pretax return on assets | 1.2408% | 2,645 |
| Return on Equity (ROE) | 12.8650% | 1,158 |
| Retained earnings to average equity (ytd only) | 10.6933% | 521 |
| Net charge-offs to loans | 0.1776% | 1,413 |
| Credit loss provision to net charge-offs | 237.2549% | 1,179 |
| Earnings coverage of net charge-offs (x) | 12.0526% | 2,437 |
| Efficiency ratio | 69.5106% | 3,290 |
| Assets per employee ($millions) | 3.1929% | 5,301 |
| Cash dividends to net income (ytd only)* | 16.8807% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 4,641 |
| Loan loss allowance to noncurrent loans | 80.2888% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9071% | 2,602 |
| Noncurrent loans to loans | 1.2706% | 2,011 |
| Net loans and leases to total assets | 70.6642% | 2,288 |
| Net loans and leases to deposits | 81.6744% | 2,684 |
| Net loans and leases to core deposits | 83.0086% | 3,156 |
| Total domestic deposits to total assets | 86.5194% | 2,272 |
| Equity capital to assets | 9.1750% | 5,142 |
| Core capital (leverage) ratio | 9.4419% | 4,378 |
| Tier 1 risk-based capital ratio | 12.8459% | 4,525 |
| Total risk-based capital ratio | 13.8858% | 4,566 |
| Memoranda: | ||
| Average total assets | $159,141,750 | 3,470 |
| Average earning assets | $147,705,750 | 3,470 |
| Average equity | $15,348,750 | 3,813 |
| Average total loans | $114,845,750 | 3,155 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 671 |
| Cost of funding earning assets | 0.3230% | 4,119 |
| Net interest margin | 4.6168% | 522 |
| Noninterest income to average assets | 0.8226% | 1,690 |
| Noninterest expense to average assets | 3.6055% | 1,118 |
| Loan and lease loss provision to assets | 0.3514% | 379 |
| Net operating income to assets | 1.1259% | 1,853 |
| Return on assets (ROA) | 1.1259% | 1,940 |
| Pretax return on assets | 1.1259% | 3,073 |
| Return on Equity (ROE) | 11.4613% | 1,534 |
| Retained earnings to average equity (ytd only) | 8.8775% | 970 |
| Net charge-offs to loans | 0.2569% | 1,011 |
| Credit loss provision to net charge-offs | 188.8112% | 1,294 |
| Earnings coverage of net charge-offs (x) | 7.9371% | 2,609 |
| Efficiency ratio | 70.9347% | 3,169 |
| Assets per employee ($millions) | 3.0644% | 5,511 |
| Cash dividends to net income (ytd only)* | 22.5434% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 4,762 |
| Loan loss allowance to noncurrent loans | 73.3742% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 2,126 |
| Noncurrent loans to loans | 1.3916% | 1,942 |
| Net loans and leases to total assets | 72.7568% | 1,853 |
| Net loans and leases to deposits | 84.6695% | 2,226 |
| Net loans and leases to core deposits | 86.2050% | 2,746 |
| Total domestic deposits to total assets | 85.9303% | 2,724 |
| Equity capital to assets | 9.6630% | 4,452 |
| Core capital (leverage) ratio | 9.9622% | 3,661 |
| Tier 1 risk-based capital ratio | 13.2331% | 4,386 |
| Total risk-based capital ratio | 14.2717% | 4,426 |
| Memoranda: | ||
| Average total assets | $153,653,000 | 3,569 |
| Average earning assets | $141,788,000 | 3,570 |
| Average equity | $15,094,330 | 3,870 |
| Average total loans | $111,337,330 | 3,227 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 664 |
| Cost of funding earning assets | 0.3267% | 4,141 |
| Net interest margin | 4.5973% | 499 |
| Noninterest income to average assets | 0.8223% | 1,623 |
| Noninterest expense to average assets | 3.5914% | 1,148 |
| Loan and lease loss provision to assets | 0.2785% | 548 |
| Net operating income to assets | 1.2069% | 1,528 |
| Return on assets (ROA) | 1.2069% | 1,620 |
| Pretax return on assets | 1.2069% | 2,641 |
| Return on Equity (ROE) | 12.1800% | 1,298 |
| Retained earnings to average equity (ytd only) | 6.9600% | 2,027 |
| Net charge-offs to loans | 0.1439% | 1,380 |
| Credit loss provision to net charge-offs | 269.2308% | 883 |
| Earnings coverage of net charge-offs (x) | 14.3590% | 1,672 |
| Efficiency ratio | 70.7419% | 3,363 |
| Assets per employee ($millions) | 2.7566% | 5,929 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 4,874 |
| Loan loss allowance to noncurrent loans | 58.6260% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.9112% | 1,270 |
| Noncurrent loans to loans | 1.7546% | 1,554 |
| Net loans and leases to total assets | 73.3597% | 1,589 |
| Net loans and leases to deposits | 86.0115% | 1,832 |
| Net loans and leases to core deposits | 87.9759% | 2,335 |
| Total domestic deposits to total assets | 85.2906% | 3,272 |
| Equity capital to assets | 10.1910% | 3,890 |
| Core capital (leverage) ratio | 9.7947% | 3,900 |
| Tier 1 risk-based capital ratio | 13.4901% | 4,326 |
| Total risk-based capital ratio | 14.5226% | 4,365 |
| Memoranda: | ||
| Average total assets | $150,804,500 | 3,638 |
| Average earning assets | $139,559,500 | 3,633 |
| Average equity | $14,942,500 | 3,923 |
| Average total loans | $108,439,000 | 3,289 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 682 |
| Cost of funding earning assets | 0.3296% | 4,495 |
| Net interest margin | 4.7370% | 491 |
| Noninterest income to average assets | 0.9076% | 1,476 |
| Noninterest expense to average assets | 3.8089% | 977 |
| Loan and lease loss provision to assets | 0.1884% | 1,361 |
| Net operating income to assets | 1.2410% | 1,464 |
| Return on assets (ROA) | 1.2410% | 1,520 |
| Pretax return on assets | 1.2410% | 2,485 |
| Return on Equity (ROE) | 12.5621% | 1,249 |
| Retained earnings to average equity (ytd only) | 6.1081% | 1,854 |
| Net charge-offs to loans | 0.2147% | 1,950 |
| Credit loss provision to net charge-offs | 122.7273% | 1,951 |
| Earnings coverage of net charge-offs (x) | 9.3136% | 2,770 |
| Efficiency ratio | 72.7127% | 3,086 |
| Assets per employee ($millions) | 2.7773% | 5,954 |
| Cash dividends to net income (ytd only)* | 51.3772% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 5,036 |
| Loan loss allowance to noncurrent loans | 81.2928% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.4560% | 1,887 |
| Noncurrent loans to loans | 1.2343% | 2,388 |
| Net loans and leases to total assets | 69.0485% | 2,387 |
| Net loans and leases to deposits | 80.0694% | 2,703 |
| Net loans and leases to core deposits | 81.8254% | 3,129 |
| Total domestic deposits to total assets | 86.2359% | 2,700 |
| Equity capital to assets | 9.6333% | 4,550 |
| Core capital (leverage) ratio | 9.4557% | 4,301 |
| Tier 1 risk-based capital ratio | 13.7801% | 4,247 |
| Total risk-based capital ratio | 14.7942% | 4,321 |
| Memoranda: | ||
| Average total assets | $143,349,200 | 3,733 |
| Average earning assets | $131,053,000 | 3,746 |
| Average equity | $14,161,600 | 3,996 |
| Average total loans | $102,451,200 | 3,365 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 540 |
| Cost of funding earning assets | 0.3279% | 4,583 |
| Net interest margin | 4.8550% | 374 |
| Noninterest income to average assets | 0.9012% | 1,516 |
| Noninterest expense to average assets | 3.8534% | 906 |
| Loan and lease loss provision to assets | 0.2080% | 1,121 |
| Net operating income to assets | 1.2643% | 1,477 |
| Return on assets (ROA) | 1.2643% | 1,538 |
| Pretax return on assets | 1.2643% | 2,521 |
| Return on Equity (ROE) | 12.7119% | 1,297 |
| Retained earnings to average equity (ytd only) | 6.9312% | 1,848 |
| Net charge-offs to loans | 0.2261% | 1,688 |
| Credit loss provision to net charge-offs | 127.9070% | 1,808 |
| Earnings coverage of net charge-offs (x) | 9.0522% | 2,721 |
| Efficiency ratio | 72.3544% | 3,120 |
| Assets per employee ($millions) | 2.8619% | 5,901 |
| Cash dividends to net income (ytd only)* | 45.4752% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 4,986 |
| Loan loss allowance to noncurrent loans | 88.4010% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.4219% | 2,172 |
| Noncurrent loans to loans | 1.1880% | 2,676 |
| Net loans and leases to total assets | 67.5541% | 2,604 |
| Net loans and leases to deposits | 80.0360% | 2,683 |
| Net loans and leases to core deposits | 81.8767% | 3,108 |
| Total domestic deposits to total assets | 84.4046% | 3,587 |
| Equity capital to assets | 9.7393% | 4,500 |
| Core capital (leverage) ratio | 10.0922% | 3,537 |
| Tier 1 risk-based capital ratio | 14.3089% | 4,025 |
| Total risk-based capital ratio | 15.3699% | 4,066 |
| Memoranda: | ||
| Average total assets | $140,998,500 | 3,808 |
| Average earning assets | $128,497,750 | 3,821 |
| Average equity | $14,023,250 | 4,041 |
| Average total loans | $101,428,500 | 3,421 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 644 |
| Cost of funding earning assets | 0.3328% | 4,612 |
| Net interest margin | 4.7483% | 446 |
| Noninterest income to average assets | 0.9957% | 1,212 |
| Noninterest expense to average assets | 3.9526% | 802 |
| Loan and lease loss provision to assets | 0.2312% | 988 |
| Net operating income to assets | 1.1215% | 1,854 |
| Return on assets (ROA) | 1.1215% | 1,930 |
| Pretax return on assets | 1.1215% | 3,002 |
| Return on Equity (ROE) | 11.1926% | 1,672 |
| Retained earnings to average equity (ytd only) | 5.8559% | 2,412 |
| Net charge-offs to loans | 0.1263% | 2,404 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 14.6250% | 1,902 |
| Efficiency ratio | 74.5029% | 2,891 |
| Assets per employee ($millions) | 2.5702% | 6,237 |
| Cash dividends to net income (ytd only)* | 47.6804% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 5,001 |
| Loan loss allowance to noncurrent loans | 52.7686% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 2.1972% | 1,387 |
| Noncurrent loans to loans | 2.0388% | 1,652 |
| Net loans and leases to total assets | 72.5273% | 1,646 |
| Net loans and leases to deposits | 86.2970% | 1,792 |
| Net loans and leases to core deposits | 87.8664% | 2,328 |
| Total domestic deposits to total assets | 84.0438% | 3,908 |
| Equity capital to assets | 10.0628% | 4,019 |
| Core capital (leverage) ratio | 10.4451% | 3,019 |
| Tier 1 risk-based capital ratio | 13.6064% | 4,522 |
| Total risk-based capital ratio | 14.6852% | 4,570 |
| Memoranda: | ||
| Average total assets | $138,391,330 | 3,878 |
| Average earning assets | $125,604,000 | 3,897 |
| Average equity | $13,866,330 | 4,067 |
| Average total loans | $101,371,000 | 3,428 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1433% | 546 |
| Cost of funding earning assets | 0.3487% | 4,552 |
| Net interest margin | 4.7946% | 388 |
| Noninterest income to average assets | 0.8590% | 1,523 |
| Noninterest expense to average assets | 3.9998% | 760 |
| Loan and lease loss provision to assets | 0.1753% | 1,380 |
| Net operating income to assets | 1.0226% | 2,115 |
| Return on assets (ROA) | 1.0226% | 2,186 |
| Pretax return on assets | 1.0226% | 3,239 |
| Return on Equity (ROE) | 10.2287% | 1,951 |
| Retained earnings to average equity (ytd only) | 5.3774% | 2,870 |
| Net charge-offs to loans | 0.0798% | 2,354 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,330 |
| Efficiency ratio | 76.9533% | 2,658 |
| Assets per employee ($millions) | 2.4823% | 6,377 |
| Cash dividends to net income (ytd only)* | 47.4286% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 5,362 |
| Loan loss allowance to noncurrent loans | 45.2564% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.7476% | 1,099 |
| Noncurrent loans to loans | 2.2943% | 1,557 |
| Net loans and leases to total assets | 75.2990% | 1,090 |
| Net loans and leases to deposits | 89.1044% | 1,242 |
| Net loans and leases to core deposits | 90.3932% | 1,881 |
| Total domestic deposits to total assets | 84.5065% | 4,084 |
| Equity capital to assets | 10.3325% | 3,421 |
| Core capital (leverage) ratio | 10.0958% | 3,432 |
| Tier 1 risk-based capital ratio | 13.5340% | 4,659 |
| Total risk-based capital ratio | 14.5696% | 4,739 |
| Memoranda: | ||
| Average total assets | $136,906,000 | 3,939 |
| Average earning assets | $123,890,500 | 3,968 |
| Average equity | $13,687,000 | 4,108 |
| Average total loans | $100,236,000 | 3,466 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0546% | 824 |
| Cost of funding earning assets | 0.4888% | 3,724 |
| Net interest margin | 4.5658% | 648 |
| Noninterest income to average assets | 0.9157% | 1,630 |
| Noninterest expense to average assets | 4.0611% | 814 |
| Loan and lease loss provision to assets | 0.1256% | 2,744 |
| Net operating income to assets | 1.0724% | 2,026 |
| Return on assets (ROA) | 1.0724% | 2,111 |
| Pretax return on assets | 0.8507% | 3,960 |
| Return on Equity (ROE) | 10.7259% | 1,853 |
| Retained earnings to average equity (ytd only) | 5.5367% | 2,253 |
| Net charge-offs to loans | 0.4789% | 1,389 |
| Credit loss provision to net charge-offs | 36.8764% | 4,100 |
| Earnings coverage of net charge-offs (x) | 2.8655% | 4,041 |
| Efficiency ratio | 80.6191% | 2,069 |
| Assets per employee ($millions) | 2.4959% | 6,407 |
| Cash dividends to net income (ytd only)* | 48.3804% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 5,397 |
| Loan loss allowance to noncurrent loans | 53.7447% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.8783% | 1,119 |
| Noncurrent loans to loans | 1.9253% | 2,085 |
| Net loans and leases to total assets | 69.7301% | 2,065 |
| Net loans and leases to deposits | 82.6922% | 2,108 |
| Net loans and leases to core deposits | 84.5627% | 2,604 |
| Total domestic deposits to total assets | 84.3249% | 4,043 |
| Equity capital to assets | 9.6760% | 4,187 |
| Core capital (leverage) ratio | 9.5402% | 4,202 |
| Tier 1 risk-based capital ratio | 13.8171% | 4,424 |
| Total risk-based capital ratio | 14.8484% | 4,529 |
| Memoranda: | ||
| Average total assets | $135,306,600 | 3,972 |
| Average earning assets | $122,146,200 | 4,012 |
| Average equity | $13,528,000 | 4,162 |
| Average total loans | $96,256,800 | 3,547 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 824 |
| Cost of funding earning assets | 0.5157% | 3,616 |
| Net interest margin | 4.5507% | 680 |
| Noninterest income to average assets | 0.9995% | 1,456 |
| Noninterest expense to average assets | 4.0399% | 812 |
| Loan and lease loss provision to assets | 0.1590% | 2,275 |
| Net operating income to assets | 1.2022% | 1,628 |
| Return on assets (ROA) | 1.2022% | 1,699 |
| Pretax return on assets | 0.9042% | 3,866 |
| Return on Equity (ROE) | 11.9247% | 1,493 |
| Retained earnings to average equity (ytd only) | 7.2238% | 1,779 |
| Net charge-offs to loans | 0.6158% | 1,007 |
| Credit loss provision to net charge-offs | 36.1991% | 3,786 |
| Earnings coverage of net charge-offs (x) | 2.4208% | 4,024 |
| Efficiency ratio | 79.1667% | 2,240 |
| Assets per employee ($millions) | 2.6486% | 6,329 |
| Cash dividends to net income (ytd only)* | 39.4213% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,407 |
| Loan loss allowance to noncurrent loans | 72.4454% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 2.5841% | 1,469 |
| Noncurrent loans to loans | 1.4897% | 2,931 |
| Net loans and leases to total assets | 65.8778% | 2,667 |
| Net loans and leases to deposits | 79.0369% | 2,531 |
| Net loans and leases to core deposits | 80.8032% | 3,030 |
| Total domestic deposits to total assets | 83.3507% | 4,440 |
| Equity capital to assets | 9.5695% | 4,464 |
| Core capital (leverage) ratio | 9.8785% | 3,849 |
| Tier 1 risk-based capital ratio | 13.9858% | 4,443 |
| Total risk-based capital ratio | 15.0401% | 4,527 |
| Memoranda: | ||
| Average total assets | $134,191,000 | 4,030 |
| Average earning assets | $121,003,750 | 4,073 |
| Average equity | $13,529,000 | 4,204 |
| Average total loans | $95,701,000 | 3,585 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 825 |
| Cost of funding earning assets | 0.5266% | 3,642 |
| Net interest margin | 4.5392% | 661 |
| Noninterest income to average assets | 1.0972% | 1,260 |
| Noninterest expense to average assets | 4.1388% | 746 |
| Loan and lease loss provision to assets | 0.1524% | 2,416 |
| Net operating income to assets | 1.3486% | 1,201 |
| Return on assets (ROA) | 1.3486% | 1,289 |
| Pretax return on assets | 0.8915% | 3,943 |
| Return on Equity (ROE) | 13.1341% | 1,215 |
| Retained earnings to average equity (ytd only) | 9.9137% | 864 |
| Net charge-offs to loans | 0.6239% | 1,059 |
| Credit loss provision to net charge-offs | 33.4448% | 3,528 |
| Earnings coverage of net charge-offs (x) | 2.2910% | 3,761 |
| Efficiency ratio | 79.8589% | 2,176 |
| Assets per employee ($millions) | 2.4264% | 6,559 |
| Cash dividends to net income (ytd only)* | 24.5198% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,381 |
| Loan loss allowance to noncurrent loans | 41.5172% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 3.0924% | 1,298 |
| Noncurrent loans to loans | 2.6837% | 1,700 |
| Net loans and leases to total assets | 72.5662% | 1,469 |
| Net loans and leases to deposits | 88.1612% | 1,324 |
| Net loans and leases to core deposits | 90.2619% | 1,890 |
| Total domestic deposits to total assets | 82.3109% | 4,943 |
| Equity capital to assets | 9.8867% | 4,074 |
| Core capital (leverage) ratio | 10.1127% | 3,348 |
| Tier 1 risk-based capital ratio | 13.4000% | 4,836 |
| Total risk-based capital ratio | 14.4968% | 4,899 |
| Memoranda: | ||
| Average total assets | $131,245,670 | 4,115 |
| Average earning assets | $118,125,670 | 4,155 |
| Average equity | $13,476,330 | 4,244 |
| Average total loans | $95,851,000 | 3,593 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 934 |
| Cost of funding earning assets | 0.5403% | 3,674 |
| Net interest margin | 4.4366% | 755 |
| Noninterest income to average assets | 1.2410% | 995 |
| Noninterest expense to average assets | 4.2349% | 679 |
| Loan and lease loss provision to assets | 0.1551% | 2,317 |
| Net operating income to assets | 1.7560% | 513 |
| Return on assets (ROA) | 1.7560% | 570 |
| Pretax return on assets | 0.8253% | 4,063 |
| Return on Equity (ROE) | 16.7735% | 528 |
| Retained earnings to average equity (ytd only) | 14.9954% | 353 |
| Net charge-offs to loans | 1.1244% | 530 |
| Credit loss provision to net charge-offs | 18.9394% | 3,049 |
| Earnings coverage of net charge-offs (x) | 1.1970% | 3,427 |
| Efficiency ratio | 81.2017% | 2,165 |
| Assets per employee ($millions) | 2.3667% | 6,684 |
| Cash dividends to net income (ytd only)* | 10.6007% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,260 |
| Loan loss allowance to noncurrent loans | 32.8242% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 2.9069% | 1,549 |
| Noncurrent loans to loans | 3.5993% | 1,322 |
| Net loans and leases to total assets | 70.4235% | 1,591 |
| Net loans and leases to deposits | 86.3949% | 1,307 |
| Net loans and leases to core deposits | 87.9363% | 1,916 |
| Total domestic deposits to total assets | 81.5135% | 5,358 |
| Equity capital to assets | 10.6014% | 3,431 |
| Core capital (leverage) ratio | 10.3500% | 2,968 |
| Tier 1 risk-based capital ratio | 14.3605% | 4,260 |
| Total risk-based capital ratio | 15.5343% | 4,270 |
| Memoranda: | ||
| Average total assets | $128,928,500 | 4,207 |
| Average earning assets | $115,493,000 | 4,256 |
| Average equity | $13,497,500 | 4,285 |
| Average total loans | $93,919,500 | 3,654 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4924% | 632 |
| Cost of funding earning assets | 0.6016% | 4,338 |
| Net interest margin | 4.8908% | 455 |
| Noninterest income to average assets | 1.3959% | 796 |
| Noninterest expense to average assets | 4.2315% | 738 |
| Loan and lease loss provision to assets | 0.1830% | 3,347 |
| Net operating income to assets | 0.9607% | 2,498 |
| Return on assets (ROA) | 0.9607% | 2,742 |
| Pretax return on assets | 1.3853% | 2,090 |
| Return on Equity (ROE) | 9.2745% | 2,503 |
| Retained earnings to average equity (ytd only) | 7.3505% | 1,401 |
| Net charge-offs to loans | 0.3798% | 2,734 |
| Credit loss provision to net charge-offs | 63.9205% | 4,340 |
| Earnings coverage of net charge-offs (x) | 5.4773% | 3,029 |
| Efficiency ratio | 72.9593% | 3,247 |
| Assets per employee ($millions) | 2.4555% | 6,651 |
| Cash dividends to net income (ytd only)* | 20.7451% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,268 |
| Loan loss allowance to noncurrent loans | 35.7240% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 3.2204% | 1,443 |
| Noncurrent loans to loans | 3.8571% | 1,255 |
| Net loans and leases to total assets | 73.4317% | 1,271 |
| Net loans and leases to deposits | 92.1865% | 899 |
| Net loans and leases to core deposits | 93.4704% | 1,511 |
| Total domestic deposits to total assets | 79.6556% | 5,752 |
| Equity capital to assets | 10.3339% | 3,713 |
| Core capital (leverage) ratio | 9.5944% | 3,972 |
| Tier 1 risk-based capital ratio | 13.5935% | 4,678 |
| Total risk-based capital ratio | 14.8428% | 4,628 |
| Memoranda: | ||
| Average total assets | $122,935,600 | 4,291 |
| Average earning assets | $110,698,000 | 4,320 |
| Average equity | $12,733,800 | 4,411 |
| Average total loans | $92,671,200 | 3,684 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5144% | 658 |
| Cost of funding earning assets | 0.6065% | 4,580 |
| Net interest margin | 4.9079% | 459 |
| Noninterest income to average assets | 1.3426% | 824 |
| Noninterest expense to average assets | 4.1856% | 732 |
| Loan and lease loss provision to assets | 0.0986% | 4,338 |
| Net operating income to assets | 0.9922% | 2,547 |
| Return on assets (ROA) | 0.9922% | 2,774 |
| Pretax return on assets | 1.4894% | 1,922 |
| Return on Equity (ROE) | 9.5730% | 2,555 |
| Retained earnings to average equity (ytd only) | 7.6183% | 1,787 |
| Net charge-offs to loans | 0.3693% | 2,621 |
| Credit loss provision to net charge-offs | 35.2941% | 4,712 |
| Earnings coverage of net charge-offs (x) | 5.6863% | 2,955 |
| Efficiency ratio | 72.4962% | 3,231 |
| Assets per employee ($millions) | 2.4119% | 6,772 |
| Cash dividends to net income (ytd only)* | 20.4194% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 4,483 |
| Loan loss allowance to noncurrent loans | 34.5183% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 3.1595% | 1,638 |
| Noncurrent loans to loans | 3.9800% | 1,291 |
| Net loans and leases to total assets | 70.1123% | 1,894 |
| Net loans and leases to deposits | 88.2015% | 1,325 |
| Net loans and leases to core deposits | 89.1861% | 2,087 |
| Total domestic deposits to total assets | 79.4911% | 5,769 |
| Equity capital to assets | 10.0199% | 4,465 |
| Core capital (leverage) ratio | 10.0121% | 3,519 |
| Tier 1 risk-based capital ratio | 13.9332% | 4,580 |
| Total risk-based capital ratio | 15.1846% | 4,532 |
| Memoranda: | ||
| Average total assets | $121,748,000 | 4,359 |
| Average earning assets | $109,916,000 | 4,388 |
| Average equity | $12,618,500 | 4,474 |
| Average total loans | $92,071,000 | 3,735 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5934% | 584 |
| Cost of funding earning assets | 0.6269% | 4,656 |
| Net interest margin | 4.9665% | 424 |
| Noninterest income to average assets | 1.2732% | 879 |
| Noninterest expense to average assets | 4.2534% | 685 |
| Loan and lease loss provision to assets | 0.1345% | 3,845 |
| Net operating income to assets | 0.9082% | 2,871 |
| Return on assets (ROA) | 0.9082% | 3,139 |
| Pretax return on assets | 1.3757% | 2,304 |
| Return on Equity (ROE) | 8.6575% | 2,964 |
| Retained earnings to average equity (ytd only) | 6.6535% | 2,300 |
| Net charge-offs to loans | 0.2285% | 3,206 |
| Credit loss provision to net charge-offs | 76.1905% | 3,429 |
| Earnings coverage of net charge-offs (x) | 8.5524% | 2,276 |
| Efficiency ratio | 73.7963% | 3,112 |
| Assets per employee ($millions) | 2.2793% | 6,926 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 3,933 |
| Loan loss allowance to noncurrent loans | 40.2853% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 3.3170% | 1,631 |
| Noncurrent loans to loans | 3.7662% | 1,497 |
| Net loans and leases to total assets | 75.8696% | 981 |
| Net loans and leases to deposits | 96.5724% | 595 |
| Net loans and leases to core deposits | 97.7475% | 1,293 |
| Total domestic deposits to total assets | 78.5624% | 6,043 |
| Equity capital to assets | 10.5089% | 3,678 |
| Core capital (leverage) ratio | 10.1757% | 3,170 |
| Tier 1 risk-based capital ratio | 13.4761% | 4,848 |
| Total risk-based capital ratio | 14.7301% | 4,801 |
| Memoranda: | ||
| Average total assets | $118,917,000 | 4,444 |
| Average earning assets | $107,520,000 | 4,472 |
| Average equity | $12,474,670 | 4,508 |
| Average total loans | $91,899,000 | 3,757 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5795% | 652 |
| Cost of funding earning assets | 0.6320% | 4,874 |
| Net interest margin | 4.9475% | 436 |
| Noninterest income to average assets | 1.3664% | 773 |
| Noninterest expense to average assets | 4.2009% | 737 |
| Loan and lease loss provision to assets | 0.2712% | 2,289 |
| Net operating income to assets | 0.9121% | 2,858 |
| Return on assets (ROA) | 0.9121% | 3,081 |
| Pretax return on assets | 1.3800% | 2,248 |
| Return on Equity (ROE) | 8.7023% | 2,948 |
| Retained earnings to average equity (ytd only) | 6.5995% | 2,633 |
| Net charge-offs to loans | 0.2146% | 2,854 |
| Credit loss provision to net charge-offs | 163.2653% | 1,557 |
| Earnings coverage of net charge-offs (x) | 9.9388% | 1,797 |
| Efficiency ratio | 71.7845% | 3,481 |
| Assets per employee ($millions) | 2.3143% | 6,985 |
| Cash dividends to net income (ytd only)* | 24.1636% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 3,755 |
| Loan loss allowance to noncurrent loans | 41.0974% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 3.4695% | 1,658 |
| Noncurrent loans to loans | 3.8762% | 1,592 |
| Net loans and leases to total assets | 76.8324% | 714 |
| Net loans and leases to deposits | 98.4572% | 425 |
| Net loans and leases to core deposits | 99.6900% | 1,009 |
| Total domestic deposits to total assets | 78.0364% | 6,256 |
| Equity capital to assets | 10.5747% | 3,407 |
| Core capital (leverage) ratio | 9.9295% | 3,454 |
| Tier 1 risk-based capital ratio | 13.4451% | 4,864 |
| Total risk-based capital ratio | 14.7001% | 4,856 |
| Memoranda: | ||
| Average total assets | $117,974,500 | 4,495 |
| Average earning assets | $106,962,500 | 4,514 |
| Average equity | $12,364,500 | 4,539 |
| Average total loans | $91,316,500 | 3,793 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6489% | 871 |
| Cost of funding earning assets | 0.7207% | 5,401 |
| Net interest margin | 4.9281% | 480 |
| Noninterest income to average assets | 1.0855% | 1,126 |
| Noninterest expense to average assets | 3.9653% | 1,094 |
| Loan and lease loss provision to assets | 0.7377% | 1,375 |
| Net operating income to assets | 0.5586% | 4,193 |
| Return on assets (ROA) | 0.5586% | 4,383 |
| Pretax return on assets | 0.8563% | 3,758 |
| Return on Equity (ROE) | 5.2264% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.9666% | 4,125 |
| Net charge-offs to loans | 0.4643% | 3,131 |
| Credit loss provision to net charge-offs | 205.8824% | 1,208 |
| Earnings coverage of net charge-offs (x) | 4.4485% | 3,109 |
| Efficiency ratio | 71.3270% | 3,727 |
| Assets per employee ($millions) | 2.3584% | 6,957 |
| Cash dividends to net income (ytd only)* | 43.2390% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 3,632 |
| Loan loss allowance to noncurrent loans | 53.8808% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.7043% | 2,249 |
| Noncurrent loans to loans | 2.9475% | 2,207 |
| Net loans and leases to total assets | 75.5118% | 1,020 |
| Net loans and leases to deposits | 94.6995% | 761 |
| Net loans and leases to core deposits | 95.8555% | 1,506 |
| Total domestic deposits to total assets | 79.7383% | 5,808 |
| Equity capital to assets | 10.3865% | 3,672 |
| Core capital (leverage) ratio | 9.5943% | 3,882 |
| Tier 1 risk-based capital ratio | 13.5602% | 4,655 |
| Total risk-based capital ratio | 14.8132% | 4,619 |
| Memoranda: | ||
| Average total assets | $113,863,800 | 4,554 |
| Average earning assets | $103,365,400 | 4,556 |
| Average equity | $12,169,000 | 4,513 |
| Average total loans | $87,880,600 | 3,911 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6497% | 934 |
| Cost of funding earning assets | 0.7477% | 5,479 |
| Net interest margin | 4.9021% | 508 |
| Noninterest income to average assets | 1.0704% | 1,173 |
| Noninterest expense to average assets | 3.9651% | 1,046 |
| Loan and lease loss provision to assets | 0.3899% | 2,517 |
| Net operating income to assets | 0.7632% | 3,328 |
| Return on assets (ROA) | 0.7632% | 3,488 |
| Pretax return on assets | 1.1697% | 2,742 |
| Return on Equity (ROE) | 7.0894% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.0894% | 1,923 |
| Net charge-offs to loans | 0.3317% | 3,435 |
| Credit loss provision to net charge-offs | 152.0737% | 2,048 |
| Earnings coverage of net charge-offs (x) | 6.0829% | 2,626 |
| Efficiency ratio | 71.7707% | 3,600 |
| Assets per employee ($millions) | 2.5079% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 5,184 |
| Loan loss allowance to noncurrent loans | 35.8333% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 2.9676% | 2,166 |
| Noncurrent loans to loans | 3.5221% | 1,953 |
| Net loans and leases to total assets | 74.2027% | 1,305 |
| Net loans and leases to deposits | 93.4925% | 880 |
| Net loans and leases to core deposits | 94.6325% | 1,731 |
| Total domestic deposits to total assets | 79.3676% | 5,895 |
| Equity capital to assets | 10.6564% | 3,508 |
| Core capital (leverage) ratio | 10.4498% | 2,930 |
| Tier 1 risk-based capital ratio | 14.2776% | 4,142 |
| Total risk-based capital ratio | 15.5277% | 4,101 |
| Memoranda: | ||
| Average total assets | $112,849,250 | 4,604 |
| Average earning assets | $102,539,250 | 4,604 |
| Average equity | $12,149,250 | 4,525 |
| Average total loans | $87,230,250 | 3,961 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6973% | 880 |
| Cost of funding earning assets | 0.7751% | 5,534 |
| Net interest margin | 4.9222% | 463 |
| Noninterest income to average assets | 1.1010% | 1,072 |
| Noninterest expense to average assets | 4.0423% | 988 |
| Loan and lease loss provision to assets | 0.4318% | 2,267 |
| Net operating income to assets | 0.7088% | 3,496 |
| Return on assets (ROA) | 0.7088% | 3,608 |
| Pretax return on assets | 1.0938% | 2,876 |
| Return on Equity (ROE) | 6.5601% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.5601% | 2,106 |
| Net charge-offs to loans | 0.3641% | 3,098 |
| Credit loss provision to net charge-offs | 151.8987% | 2,015 |
| Earnings coverage of net charge-offs (x) | 5.3671% | 2,629 |
| Efficiency ratio | 72.6010% | 3,619 |
| Assets per employee ($millions) | 2.1988% | 7,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 5,381 |
| Loan loss allowance to noncurrent loans | 37.0358% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 2.9544% | 2,269 |
| Noncurrent loans to loans | 3.3384% | 2,141 |
| Net loans and leases to total assets | 77.4314% | 854 |
| Net loans and leases to deposits | 99.1402% | 534 |
| Net loans and leases to core deposits | 100.4245% | 1,304 |
| Total domestic deposits to total assets | 78.1029% | 6,267 |
| Equity capital to assets | 10.9642% | 2,999 |
| Core capital (leverage) ratio | 10.6614% | 2,560 |
| Tier 1 risk-based capital ratio | 14.1619% | 4,049 |
| Total risk-based capital ratio | 15.4126% | 4,020 |
| Memoranda: | ||
| Average total assets | $111,174,670 | 4,675 |
| Average earning assets | $100,890,000 | 4,685 |
| Average equity | $12,012,000 | 4,560 |
| Average total loans | $86,779,330 | 4,028 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7267% | 839 |
| Cost of funding earning assets | 0.7913% | 5,608 |
| Net interest margin | 4.9354% | 429 |
| Noninterest income to average assets | 1.1491% | 986 |
| Noninterest expense to average assets | 4.0508% | 975 |
| Loan and lease loss provision to assets | 0.3614% | 2,390 |
| Net operating income to assets | 0.7661% | 3,190 |
| Return on assets (ROA) | 0.7661% | 3,262 |
| Pretax return on assets | 1.1997% | 2,368 |
| Return on Equity (ROE) | 7.1438% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.1438% | 2,084 |
| Net charge-offs to loans | 0.2366% | 3,133 |
| Credit loss provision to net charge-offs | 196.0784% | 1,511 |
| Earnings coverage of net charge-offs (x) | 8.4706% | 1,820 |
| Efficiency ratio | 72.1829% | 3,823 |
| Assets per employee ($millions) | 2.2431% | 7,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 5,515 |
| Loan loss allowance to noncurrent loans | 35.3454% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 3.0297% | 2,280 |
| Noncurrent loans to loans | 3.4550% | 2,165 |
| Net loans and leases to total assets | 77.5668% | 789 |
| Net loans and leases to deposits | 99.4541% | 501 |
| Net loans and leases to core deposits | 100.7623% | 1,276 |
| Total domestic deposits to total assets | 77.9926% | 6,385 |
| Equity capital to assets | 10.9250% | 2,759 |
| Core capital (leverage) ratio | 10.3739% | 2,732 |
| Tier 1 risk-based capital ratio | 14.1818% | 3,950 |
| Total risk-based capital ratio | 15.4247% | 3,925 |
| Memoranda: | ||
| Average total assets | $110,693,000 | 4,718 |
| Average earning assets | $100,092,500 | 4,740 |
| Average equity | $11,870,500 | 4,584 |
| Average total loans | $86,210,500 | 4,070 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6770% | 1,650 |
| Cost of funding earning assets | 0.9221% | 6,069 |
| Net interest margin | 4.7550% | 723 |
| Noninterest income to average assets | 1.0893% | 1,263 |
| Noninterest expense to average assets | 4.1740% | 926 |
| Loan and lease loss provision to assets | 0.2068% | 5,180 |
| Net operating income to assets | 0.6650% | 3,369 |
| Return on assets (ROA) | 0.6721% | 3,477 |
| Pretax return on assets | 1.0412% | 2,807 |
| Return on Equity (ROE) | 6.5682% | 3,315 |
| Retained earnings to average equity (ytd only) | 6.5682% | 1,526 |
| Net charge-offs to loans | 0.2388% | 4,857 |
| Credit loss provision to net charge-offs | 118.1347% | 3,610 |
| Earnings coverage of net charge-offs (x) | 7.0674% | 2,206 |
| Efficiency ratio | 77.1371% | 2,851 |
| Assets per employee ($millions) | 2.1857% | 7,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 5,654 |
| Loan loss allowance to noncurrent loans | 49.7771% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 2.1234% | 3,188 |
| Noncurrent loans to loans | 2.3446% | 3,177 |
| Net loans and leases to total assets | 76.3467% | 1,212 |
| Net loans and leases to deposits | 95.2054% | 931 |
| Net loans and leases to core deposits | 96.1215% | 2,001 |
| Total domestic deposits to total assets | 80.1916% | 5,777 |
| Equity capital to assets | 10.5254% | 3,133 |
| Core capital (leverage) ratio | 10.0335% | 3,057 |
| Tier 1 risk-based capital ratio | 13.8143% | 3,988 |
| Total risk-based capital ratio | 15.0090% | 3,996 |
| Memoranda: | ||
| Average total assets | $110,253,200 | 4,708 |
| Average earning assets | $100,211,000 | 4,723 |
| Average equity | $11,281,600 | 4,799 |
| Average total loans | $80,812,600 | 4,319 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 2,105 |
| Cost of funding earning assets | 0.9562% | 6,142 |
| Net interest margin | 4.6321% | 972 |
| Noninterest income to average assets | 1.0405% | 1,338 |
| Noninterest expense to average assets | 4.1716% | 861 |
| Loan and lease loss provision to assets | 0.2098% | 4,967 |
| Net operating income to assets | 0.5618% | 4,042 |
| Return on assets (ROA) | 0.5712% | 4,169 |
| Pretax return on assets | 0.8974% | 3,568 |
| Return on Equity (ROE) | 5.6227% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.6227% | 2,579 |
| Net charge-offs to loans | 0.3153% | 4,075 |
| Credit loss provision to net charge-offs | 92.0213% | 4,691 |
| Earnings coverage of net charge-offs (x) | 4.7925% | 2,926 |
| Efficiency ratio | 79.2444% | 2,454 |
| Assets per employee ($millions) | 2.3865% | 7,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 5,626 |
| Loan loss allowance to noncurrent loans | 36.0513% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 2.6163% | 2,765 |
| Noncurrent loans to loans | 3.2464% | 2,442 |
| Net loans and leases to total assets | 70.4007% | 2,637 |
| Net loans and leases to deposits | 87.9404% | 2,016 |
| Net loans and leases to core deposits | 88.7583% | 3,277 |
| Total domestic deposits to total assets | 80.0550% | 5,685 |
| Equity capital to assets | 10.0934% | 4,030 |
| Core capital (leverage) ratio | 9.9103% | 3,344 |
| Tier 1 risk-based capital ratio | 14.2275% | 3,681 |
| Total risk-based capital ratio | 15.4242% | 3,676 |
| Memoranda: | ||
| Average total assets | $109,948,250 | 4,771 |
| Average earning assets | $100,253,750 | 4,772 |
| Average equity | $11,168,750 | 4,887 |
| Average total loans | $79,488,000 | 4,418 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6133% | 2,085 |
| Cost of funding earning assets | 0.9909% | 6,189 |
| Net interest margin | 4.6224% | 948 |
| Noninterest income to average assets | 0.9906% | 1,402 |
| Noninterest expense to average assets | 4.1969% | 817 |
| Loan and lease loss provision to assets | 0.2730% | 4,206 |
| Net operating income to assets | 0.4667% | 4,480 |
| Return on assets (ROA) | 0.4667% | 4,638 |
| Pretax return on assets | 0.7545% | 4,048 |
| Return on Equity (ROE) | 4.5843% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.5843% | 3,158 |
| Net charge-offs to loans | 0.4290% | 3,278 |
| Credit loss provision to net charge-offs | 87.5740% | 4,495 |
| Earnings coverage of net charge-offs (x) | 3.2959% | 3,381 |
| Efficiency ratio | 80.3319% | 2,401 |
| Assets per employee ($millions) | 2.1165% | 7,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 5,656 |
| Loan loss allowance to noncurrent loans | 45.7349% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 2.3269% | 3,107 |
| Noncurrent loans to loans | 2.5317% | 3,122 |
| Net loans and leases to total assets | 73.6080% | 2,001 |
| Net loans and leases to deposits | 92.0205% | 1,527 |
| Net loans and leases to core deposits | 92.9048% | 2,861 |
| Total domestic deposits to total assets | 79.9909% | 5,729 |
| Equity capital to assets | 10.3253% | 3,618 |
| Core capital (leverage) ratio | 9.7749% | 3,438 |
| Tier 1 risk-based capital ratio | 13.8919% | 3,804 |
| Total risk-based capital ratio | 15.0757% | 3,820 |
| Memoranda: | ||
| Average total assets | $108,414,330 | 4,854 |
| Average earning assets | $99,299,000 | 4,832 |
| Average equity | $11,037,670 | 4,912 |
| Average total loans | $78,784,330 | 4,478 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6957% | 1,796 |
| Cost of funding earning assets | 1.0054% | 6,347 |
| Net interest margin | 4.6904% | 798 |
| Noninterest income to average assets | 1.0112% | 1,262 |
| Noninterest expense to average assets | 4.2048% | 803 |
| Loan and lease loss provision to assets | 0.2974% | 3,658 |
| Net operating income to assets | 0.5354% | 4,208 |
| Return on assets (ROA) | 0.5354% | 4,348 |
| Pretax return on assets | 0.8105% | 3,820 |
| Return on Equity (ROE) | 5.2968% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.2968% | 2,987 |
| Net charge-offs to loans | 0.3575% | 2,980 |
| Credit loss provision to net charge-offs | 115.9420% | 3,005 |
| Earnings coverage of net charge-offs (x) | 4.3188% | 2,660 |
| Efficiency ratio | 79.1463% | 2,693 |
| Assets per employee ($millions) | 2.2384% | 7,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 5,288 |
| Loan loss allowance to noncurrent loans | 41.1493% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 2.3067% | 3,142 |
| Noncurrent loans to loans | 3.0089% | 2,663 |
| Net loans and leases to total assets | 71.3426% | 2,607 |
| Net loans and leases to deposits | 89.9033% | 1,918 |
| Net loans and leases to core deposits | 91.0339% | 3,224 |
| Total domestic deposits to total assets | 79.3549% | 5,997 |
| Equity capital to assets | 10.2122% | 3,591 |
| Core capital (leverage) ratio | 10.1106% | 3,030 |
| Tier 1 risk-based capital ratio | 14.4675% | 3,400 |
| Total risk-based capital ratio | 15.7176% | 3,368 |
| Memoranda: | ||
| Average total assets | $107,591,500 | 4,941 |
| Average earning assets | $98,670,500 | 4,914 |
| Average equity | $10,874,500 | 5,013 |
| Average total loans | $77,195,500 | 4,599 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3189% | 989 |
| Cost of funding earning assets | 1.1625% | 6,789 |
| Net interest margin | 5.1564% | 320 |
| Noninterest income to average assets | 1.0920% | 1,290 |
| Noninterest expense to average assets | 4.2171% | 1,073 |
| Loan and lease loss provision to assets | 0.3156% | 4,923 |
| Net operating income to assets | 0.8555% | 2,331 |
| Return on assets (ROA) | 0.8555% | 2,405 |
| Pretax return on assets | 1.2776% | 1,759 |
| Return on Equity (ROE) | 8.8268% | 2,081 |
| Retained earnings to average equity (ytd only) | 8.8268% | 522 |
| Net charge-offs to loans | 0.3415% | 4,519 |
| Credit loss provision to net charge-offs | 133.4661% | 3,736 |
| Earnings coverage of net charge-offs (x) | 6.7371% | 2,300 |
| Efficiency ratio | 72.5799% | 4,166 |
| Assets per employee ($millions) | 2.0686% | 7,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 4,820 |
| Loan loss allowance to noncurrent loans | 62.4598% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.6180% | 3,945 |
| Noncurrent loans to loans | 2.0663% | 3,564 |
| Net loans and leases to total assets | 70.3216% | 3,180 |
| Net loans and leases to deposits | 89.0273% | 2,383 |
| Net loans and leases to core deposits | 98.4814% | 4,180 |
| Total domestic deposits to total assets | 78.9888% | 5,982 |
| Equity capital to assets | 9.9980% | 3,766 |
| Core capital (leverage) ratio | 9.4011% | 3,829 |
| Tier 1 risk-based capital ratio | 14.1568% | 3,401 |
| Total risk-based capital ratio | 15.4082% | 3,360 |
| Memoranda: | ||
| Average total assets | $106,139,200 | 4,922 |
| Average earning assets | $97,121,200 | 4,920 |
| Average equity | $10,286,800 | 5,219 |
| Average total loans | $73,488,600 | 4,749 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4670% | 806 |
| Cost of funding earning assets | 1.1855% | 6,932 |
| Net interest margin | 5.2815% | 261 |
| Noninterest income to average assets | 1.0699% | 1,385 |
| Noninterest expense to average assets | 4.2056% | 1,027 |
| Loan and lease loss provision to assets | 0.3261% | 4,375 |
| Net operating income to assets | 0.9181% | 2,348 |
| Return on assets (ROA) | 0.9181% | 2,423 |
| Pretax return on assets | 1.3659% | 1,786 |
| Return on Equity (ROE) | 9.5483% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.5483% | 719 |
| Net charge-offs to loans | 0.2865% | 4,238 |
| Credit loss provision to net charge-offs | 165.6051% | 2,843 |
| Earnings coverage of net charge-offs (x) | 8.5923% | 2,220 |
| Efficiency ratio | 71.3101% | 4,365 |
| Assets per employee ($millions) | 2.1695% | 7,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 4,389 |
| Loan loss allowance to noncurrent loans | 64.5983% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 4,229 |
| Noncurrent loans to loans | 2.0405% | 3,577 |
| Net loans and leases to total assets | 69.6496% | 3,591 |
| Net loans and leases to deposits | 88.0047% | 2,957 |
| Net loans and leases to core deposits | 96.8401% | 4,723 |
| Total domestic deposits to total assets | 79.1430% | 5,753 |
| Equity capital to assets | 9.8415% | 4,297 |
| Core capital (leverage) ratio | 9.4654% | 3,956 |
| Tier 1 risk-based capital ratio | 14.0197% | 3,539 |
| Total risk-based capital ratio | 15.2706% | 3,491 |
| Memoranda: | ||
| Average total assets | $106,298,750 | 4,951 |
| Average earning assets | $97,167,750 | 4,951 |
| Average equity | $10,221,500 | 5,280 |
| Average total loans | $73,070,750 | 4,809 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6186% | 642 |
| Cost of funding earning assets | 1.2147% | 7,065 |
| Net interest margin | 5.4040% | 208 |
| Noninterest income to average assets | 1.1308% | 1,230 |
| Noninterest expense to average assets | 4.2504% | 1,008 |
| Loan and lease loss provision to assets | 0.3199% | 4,025 |
| Net operating income to assets | 1.0029% | 2,094 |
| Return on assets (ROA) | 1.0029% | 2,190 |
| Pretax return on assets | 1.4826% | 1,494 |
| Return on Equity (ROE) | 10.5114% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.5114% | 639 |
| Net charge-offs to loans | 0.2375% | 4,013 |
| Credit loss provision to net charge-offs | 197.6744% | 2,314 |
| Earnings coverage of net charge-offs (x) | 11.1395% | 1,932 |
| Efficiency ratio | 70.2207% | 4,733 |
| Assets per employee ($millions) | 2.1358% | 7,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 4,152 |
| Loan loss allowance to noncurrent loans | 61.6264% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.5040% | 3,979 |
| Noncurrent loans to loans | 2.1437% | 3,319 |
| Net loans and leases to total assets | 69.2339% | 3,896 |
| Net loans and leases to deposits | 87.6152% | 3,237 |
| Net loans and leases to core deposits | 95.3055% | 4,975 |
| Total domestic deposits to total assets | 79.0204% | 5,808 |
| Equity capital to assets | 9.8582% | 4,138 |
| Core capital (leverage) ratio | 9.4848% | 3,911 |
| Tier 1 risk-based capital ratio | 13.7199% | 3,681 |
| Total risk-based capital ratio | 14.9707% | 3,609 |
| Memoranda: | ||
| Average total assets | $106,296,670 | 4,985 |
| Average earning assets | $96,817,670 | 4,978 |
| Average equity | $10,141,330 | 5,320 |
| Average total loans | $72,417,670 | 4,867 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7503% | 529 |
| Cost of funding earning assets | 1.2393% | 7,207 |
| Net interest margin | 5.5110% | 175 |
| Noninterest income to average assets | 1.2024% | 998 |
| Noninterest expense to average assets | 4.0815% | 1,086 |
| Loan and lease loss provision to assets | 0.3174% | 3,431 |
| Net operating income to assets | 1.2398% | 1,535 |
| Return on assets (ROA) | 1.2398% | 1,641 |
| Pretax return on assets | 1.8186% | 942 |
| Return on Equity (ROE) | 13.2093% | 1,334 |
| Retained earnings to average equity (ytd only) | 13.2093% | 608 |
| Net charge-offs to loans | 0.2447% | 3,174 |
| Credit loss provision to net charge-offs | 193.1818% | 2,287 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,763 |
| Efficiency ratio | 65.6456% | 5,397 |
| Assets per employee ($millions) | 2.1126% | 7,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 4,241 |
| Loan loss allowance to noncurrent loans | 72.8201% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 4,261 |
| Noncurrent loans to loans | 1.7509% | 3,641 |
| Net loans and leases to total assets | 67.9529% | 4,150 |
| Net loans and leases to deposits | 85.8705% | 3,656 |
| Net loans and leases to core deposits | 92.6182% | 5,297 |
| Total domestic deposits to total assets | 79.1342% | 5,672 |
| Equity capital to assets | 9.6334% | 4,478 |
| Core capital (leverage) ratio | 9.1520% | 4,478 |
| Tier 1 risk-based capital ratio | 13.4570% | 3,890 |
| Total risk-based capital ratio | 14.7074% | 3,813 |
| Memoranda: | ||
| Average total assets | $107,118,000 | 4,979 |
| Average earning assets | $97,477,000 | 4,993 |
| Average equity | $10,053,500 | 5,368 |
| Average total loans | $71,913,500 | 4,912 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8823% | 1,454 |
| Cost of funding earning assets | 1.6760% | 7,314 |
| Net interest margin | 5.2063% | 338 |
| Noninterest income to average assets | 0.6958% | 3,145 |
| Noninterest expense to average assets | 4.0184% | 1,389 |
| Loan and lease loss provision to assets | 0.2003% | 4,892 |
| Net operating income to assets | 0.7648% | 3,592 |
| Return on assets (ROA) | 0.7648% | 3,436 |
| Pretax return on assets | 1.1532% | 2,826 |
| Return on Equity (ROE) | 8.7022% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.7022% | 655 |
| Net charge-offs to loans | 0.3313% | 3,184 |
| Credit loss provision to net charge-offs | 94.2982% | 5,561 |
| Earnings coverage of net charge-offs (x) | 6.3728% | 3,369 |
| Efficiency ratio | 74.8049% | 3,438 |
| Assets per employee ($millions) | 2.1721% | 7,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,186 |
| Loan loss allowance to noncurrent loans | 66.7169% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.2228% | 3,786 |
| Noncurrent loans to loans | 1.8673% | 2,956 |
| Net loans and leases to total assets | 64.6698% | 5,136 |
| Net loans and leases to deposits | 80.3528% | 4,985 |
| Net loans and leases to core deposits | 86.5537% | 6,094 |
| Total domestic deposits to total assets | 80.4823% | 4,843 |
| Equity capital to assets | 9.1442% | 5,163 |
| Core capital (leverage) ratio | 8.5159% | 5,549 |
| Tier 1 risk-based capital ratio | 13.1633% | 4,018 |
| Total risk-based capital ratio | 14.3921% | 3,944 |
| Memoranda: | ||
| Average total assets | $107,355,200 | 4,850 |
| Average earning assets | $96,421,000 | 4,901 |
| Average equity | $9,434,400 | 5,590 |
| Average total loans | $68,814,400 | 4,916 |