Home > First Midwest Bank of the Ozarks > Performance and Condition Ratios
First Midwest Bank of the Ozarks, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 741 |
| Cost of funding earning assets | 0.5129% | 987 |
| Net interest margin | 3.9370% | 876 |
| Noninterest income to average assets | 0.6666% | 1,948 |
| Noninterest expense to average assets | 2.8435% | 1,234 |
| Loan and lease loss provision to assets | 0.0345% | 2,310 |
| Net operating income to assets | 1.3106% | 1,794 |
| Return on assets (ROA) | 1.3106% | 1,846 |
| Pretax return on assets | 1.3003% | 2,625 |
| Return on Equity (ROE) | 12.9203% | 1,717 |
| Retained earnings to average equity (ytd only) | 4.1866% | 3,518 |
| Net charge-offs to loans | 0.0995% | 737 |
| Credit loss provision to net charge-offs | 54.4118% | 1,834 |
| Earnings coverage of net charge-offs (x) | 20.9412% | 1,715 |
| Efficiency ratio | 68.0503% | 1,829 |
| Assets per employee ($millions) | 4.9369% | 3,756 |
| Cash dividends to net income (ytd only)* | 67.5966% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,600 |
| Loan loss allowance to noncurrent loans | 59.6127% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 312 |
| Noncurrent loans to loans | 2.5289% | 294 |
| Net loans and leases to total assets | 57.0375% | 2,609 |
| Net loans and leases to deposits | 65.3895% | 2,689 |
| Net loans and leases to core deposits | 70.7919% | 2,531 |
| Total domestic deposits to total assets | 87.2274% | 2,257 |
| Equity capital to assets | 9.7396% | 3,162 |
| Core capital (leverage) ratio | 9.8113% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8659% | 2,022 |
| Memoranda: | ||
| Average total assets | $142,217,500 | 3,603 |
| Average earning assets | $126,862,250 | 3,644 |
| Average equity | $14,426,500 | 3,745 |
| Average total loans | $91,161,500 | 3,363 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 526 |
| Cost of funding earning assets | 0.5486% | 949 |
| Net interest margin | 4.1624% | 624 |
| Noninterest income to average assets | 0.6659% | 1,949 |
| Noninterest expense to average assets | 2.8548% | 1,245 |
| Loan and lease loss provision to assets | 0.0528% | 1,979 |
| Net operating income to assets | 1.4745% | 1,363 |
| Return on assets (ROA) | 1.4745% | 1,423 |
| Pretax return on assets | 1.4588% | 2,143 |
| Return on Equity (ROE) | 14.3342% | 1,325 |
| Retained earnings to average equity (ytd only) | 7.2642% | 2,334 |
| Net charge-offs to loans | 0.0344% | 1,302 |
| Credit loss provision to net charge-offs | 231.2500% | 989 |
| Earnings coverage of net charge-offs (x) | 66.2500% | 926 |
| Efficiency ratio | 65.3821% | 2,240 |
| Assets per employee ($millions) | 4.6148% | 4,001 |
| Cash dividends to net income (ytd only)* | 49.3230% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,525 |
| Loan loss allowance to noncurrent loans | 51.8304% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.9013% | 232 |
| Noncurrent loans to loans | 2.9320% | 252 |
| Net loans and leases to total assets | 60.9269% | 2,318 |
| Net loans and leases to deposits | 69.6644% | 2,449 |
| Net loans and leases to core deposits | 75.6162% | 2,275 |
| Total domestic deposits to total assets | 87.4577% | 2,116 |
| Equity capital to assets | 10.1873% | 2,684 |
| Core capital (leverage) ratio | 10.0845% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9038% | 2,000 |
| Memoranda: | ||
| Average total assets | $140,254,667 | 3,634 |
| Average earning assets | $124,687,000 | 3,681 |
| Average equity | $14,427,000 | 3,748 |
| Average total loans | $92,959,000 | 3,354 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 647 |
| Cost of funding earning assets | 0.5988% | 879 |
| Net interest margin | 4.0151% | 825 |
| Noninterest income to average assets | 0.6741% | 1,943 |
| Noninterest expense to average assets | 2.8980% | 1,162 |
| Loan and lease loss provision to assets | 0.1066% | 1,289 |
| Net operating income to assets | 1.2042% | 2,127 |
| Return on assets (ROA) | 1.2042% | 2,212 |
| Pretax return on assets | 1.2042% | 2,838 |
| Return on Equity (ROE) | 11.6487% | 2,149 |
| Retained earnings to average equity (ytd only) | 11.6487% | 1,241 |
| Net charge-offs to loans | 0.0168% | 1,410 |
| Credit loss provision to net charge-offs | 925.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 113.7500% | 564 |
| Efficiency ratio | 68.8569% | 1,829 |
| Assets per employee ($millions) | 3.5333% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 1,798 |
| Loan loss allowance to noncurrent loans | 57.0408% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.7717% | 316 |
| Noncurrent loans to loans | 2.5293% | 365 |
| Net loans and leases to total assets | 65.5921% | 1,848 |
| Net loans and leases to deposits | 75.0745% | 2,015 |
| Net loans and leases to core deposits | 82.1622% | 1,827 |
| Total domestic deposits to total assets | 87.3694% | 2,150 |
| Equity capital to assets | 10.2547% | 2,474 |
| Core capital (leverage) ratio | 10.4453% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6560% | 2,015 |
| Memoranda: | ||
| Average total assets | $138,852,000 | 3,652 |
| Average earning assets | $122,239,000 | 3,715 |
| Average equity | $14,353,500 | 3,760 |
| Average total loans | $95,185,000 | 3,335 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 707 |
| Cost of funding earning assets | 0.9266% | 782 |
| Net interest margin | 3.8963% | 1,220 |
| Noninterest income to average assets | 0.7313% | 1,738 |
| Noninterest expense to average assets | 2.9205% | 1,631 |
| Loan and lease loss provision to assets | 0.2195% | 1,785 |
| Net operating income to assets | 0.9028% | 2,684 |
| Return on assets (ROA) | 1.0235% | 2,348 |
| Pretax return on assets | 1.1516% | 2,509 |
| Return on Equity (ROE) | 9.6704% | 2,136 |
| Retained earnings to average equity (ytd only) | 0.2903% | 4,431 |
| Net charge-offs to loans | 0.0776% | 1,701 |
| Credit loss provision to net charge-offs | 385.5263% | 1,475 |
| Earnings coverage of net charge-offs (x) | 21.6974% | 1,886 |
| Efficiency ratio | 70.2722% | 1,913 |
| Assets per employee ($millions) | 3.4093% | 4,688 |
| Cash dividends to net income (ytd only)* | 96.9985% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,081 |
| Loan loss allowance to noncurrent loans | 43.3388% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.3502% | 204 |
| Noncurrent loans to loans | 3.1720% | 260 |
| Net loans and leases to total assets | 69.6524% | 1,602 |
| Net loans and leases to deposits | 79.8049% | 1,888 |
| Net loans and leases to core deposits | 88.0537% | 1,691 |
| Total domestic deposits to total assets | 87.2783% | 1,807 |
| Equity capital to assets | 10.4229% | 2,738 |
| Core capital (leverage) ratio | 10.1286% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6258% | 2,392 |
| Memoranda: | ||
| Average total assets | $133,468,600 | 3,583 |
| Average earning assets | $117,316,200 | 3,656 |
| Average equity | $14,125,600 | 3,742 |
| Average total loans | $97,993,600 | 3,262 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 688 |
| Cost of funding earning assets | 0.9681% | 854 |
| Net interest margin | 3.9653% | 1,196 |
| Noninterest income to average assets | 0.8086% | 1,459 |
| Noninterest expense to average assets | 2.8395% | 1,853 |
| Loan and lease loss provision to assets | 0.1785% | 2,203 |
| Net operating income to assets | 1.1320% | 1,872 |
| Return on assets (ROA) | 1.1320% | 1,996 |
| Pretax return on assets | 1.3037% | 2,034 |
| Return on Equity (ROE) | 10.6543% | 1,799 |
| Retained earnings to average equity (ytd only) | 0.9643% | 4,267 |
| Net charge-offs to loans | 0.0488% | 1,914 |
| Credit loss provision to net charge-offs | 494.4444% | 1,297 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,340 |
| Efficiency ratio | 65.6983% | 2,502 |
| Assets per employee ($millions) | 3.4919% | 4,668 |
| Cash dividends to net income (ytd only)* | 90.9494% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,514 |
| Loan loss allowance to noncurrent loans | 48.3734% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.0211% | 324 |
| Noncurrent loans to loans | 2.5395% | 410 |
| Net loans and leases to total assets | 71.8989% | 1,679 |
| Net loans and leases to deposits | 85.7548% | 1,734 |
| Net loans and leases to core deposits | 94.8174% | 1,559 |
| Total domestic deposits to total assets | 83.8424% | 2,870 |
| Equity capital to assets | 10.3806% | 2,888 |
| Core capital (leverage) ratio | 9.9454% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5314% | 2,403 |
| Memoranda: | ||
| Average total assets | $132,742,500 | 3,581 |
| Average earning assets | $117,618,500 | 3,637 |
| Average equity | $14,103,500 | 3,751 |
| Average total loans | $98,414,250 | 3,269 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 571 |
| Cost of funding earning assets | 1.0254% | 913 |
| Net interest margin | 4.1760% | 974 |
| Noninterest income to average assets | 0.7605% | 1,547 |
| Noninterest expense to average assets | 2.8398% | 2,000 |
| Loan and lease loss provision to assets | 0.2024% | 2,030 |
| Net operating income to assets | 1.1117% | 1,932 |
| Return on assets (ROA) | 1.1117% | 2,050 |
| Pretax return on assets | 1.4276% | 1,652 |
| Return on Equity (ROE) | 10.3781% | 1,855 |
| Retained earnings to average equity (ytd only) | -4.2944% | 4,745 |
| Net charge-offs to loans | 0.0493% | 1,780 |
| Credit loss provision to net charge-offs | 550.0000% | 1,163 |
| Earnings coverage of net charge-offs (x) | 44.2917% | 1,179 |
| Efficiency ratio | 63.5334% | 2,879 |
| Assets per employee ($millions) | 3.4907% | 4,668 |
| Cash dividends to net income (ytd only)* | 141.3793% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,439 |
| Loan loss allowance to noncurrent loans | 46.2329% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.0762% | 327 |
| Noncurrent loans to loans | 2.6286% | 426 |
| Net loans and leases to total assets | 70.7317% | 1,918 |
| Net loans and leases to deposits | 80.9120% | 2,326 |
| Net loans and leases to core deposits | 90.3694% | 2,045 |
| Total domestic deposits to total assets | 87.4181% | 1,445 |
| Equity capital to assets | 10.0674% | 3,147 |
| Core capital (leverage) ratio | 9.9172% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1792% | 2,534 |
| Memoranda: | ||
| Average total assets | $130,432,000 | 3,592 |
| Average earning assets | $115,851,667 | 3,650 |
| Average equity | $13,971,667 | 3,767 |
| Average total loans | $97,328,000 | 3,281 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9629% | 1,039 |
| Cost of funding earning assets | 1.1013% | 1,041 |
| Net interest margin | 3.8616% | 1,792 |
| Noninterest income to average assets | 0.7883% | 1,348 |
| Noninterest expense to average assets | 2.9054% | 2,108 |
| Loan and lease loss provision to assets | 0.1430% | 1,957 |
| Net operating income to assets | 0.5181% | 3,847 |
| Return on assets (ROA) | 0.5181% | 3,906 |
| Pretax return on assets | 1.1730% | 2,293 |
| Return on Equity (ROE) | 4.6809% | 3,754 |
| Retained earnings to average equity (ytd only) | -8.3854% | 4,710 |
| Net charge-offs to loans | 0.0875% | 1,175 |
| Credit loss provision to net charge-offs | 214.2857% | 1,377 |
| Earnings coverage of net charge-offs (x) | 19.7143% | 1,432 |
| Efficiency ratio | 68.8253% | 2,533 |
| Assets per employee ($millions) | 3.1966% | 4,691 |
| Cash dividends to net income (ytd only)* | 279.1411% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,729 |
| Loan loss allowance to noncurrent loans | 42.0290% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.2610% | 329 |
| Noncurrent loans to loans | 2.8292% | 396 |
| Net loans and leases to total assets | 73.5035% | 1,695 |
| Net loans and leases to deposits | 84.9863% | 2,108 |
| Net loans and leases to core deposits | 99.7792% | 1,489 |
| Total domestic deposits to total assets | 86.4886% | 1,785 |
| Equity capital to assets | 10.8124% | 3,041 |
| Core capital (leverage) ratio | 10.7963% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1813% | 2,206 |
| Memoranda: | ||
| Average total assets | $125,833,500 | 3,628 |
| Average earning assets | $111,869,500 | 3,686 |
| Average equity | $13,929,000 | 3,778 |
| Average total loans | $96,003,500 | 3,278 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1460% | 1,116 |
| Cost of funding earning assets | 1.1166% | 1,268 |
| Net interest margin | 4.0294% | 1,754 |
| Noninterest income to average assets | 0.8922% | 1,190 |
| Noninterest expense to average assets | 3.0357% | 1,921 |
| Loan and lease loss provision to assets | 0.1463% | 1,464 |
| Net operating income to assets | 1.0329% | 2,724 |
| Return on assets (ROA) | 1.0547% | 2,733 |
| Pretax return on assets | 1.3651% | 2,282 |
| Return on Equity (ROE) | 9.5980% | 2,479 |
| Retained earnings to average equity (ytd only) | 5.9082% | 1,915 |
| Net charge-offs to loans | 0.2375% | 865 |
| Credit loss provision to net charge-offs | 78.6026% | 2,810 |
| Earnings coverage of net charge-offs (x) | 7.9738% | 2,819 |
| Efficiency ratio | 67.1701% | 2,591 |
| Assets per employee ($millions) | 3.0951% | 4,769 |
| Cash dividends to net income (ytd only)* | 38.4438% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 2,734 |
| Loan loss allowance to noncurrent loans | 38.3178% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.5169% | 255 |
| Noncurrent loans to loans | 2.9816% | 318 |
| Net loans and leases to total assets | 77.3684% | 1,185 |
| Net loans and leases to deposits | 90.1430% | 1,573 |
| Net loans and leases to core deposits | 103.4965% | 1,271 |
| Total domestic deposits to total assets | 85.8285% | 2,128 |
| Equity capital to assets | 11.3348% | 2,672 |
| Core capital (leverage) ratio | 11.1129% | 2,406 |
| Tier 1 risk-based capital ratio | 12.7574% | 3,914 |
| Total risk-based capital ratio | 13.7790% | 3,936 |
| Memoranda: | ||
| Average total assets | $123,069,200 | 3,655 |
| Average earning assets | $110,784,600 | 3,697 |
| Average equity | $13,523,600 | 3,816 |
| Average total loans | $96,417,800 | 3,273 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 1,290 |
| Cost of funding earning assets | 1.0988% | 1,364 |
| Net interest margin | 3.9979% | 1,948 |
| Noninterest income to average assets | 0.9060% | 1,127 |
| Noninterest expense to average assets | 2.9837% | 2,020 |
| Loan and lease loss provision to assets | 0.1486% | 1,279 |
| Net operating income to assets | 1.0407% | 2,816 |
| Return on assets (ROA) | 1.0698% | 2,774 |
| Pretax return on assets | 1.4148% | 2,250 |
| Return on Equity (ROE) | 9.8134% | 2,507 |
| Retained earnings to average equity (ytd only) | 5.4741% | 2,637 |
| Net charge-offs to loans | 0.2700% | 654 |
| Credit loss provision to net charge-offs | 70.2564% | 2,616 |
| Earnings coverage of net charge-offs (x) | 7.2155% | 2,763 |
| Efficiency ratio | 66.1535% | 2,704 |
| Assets per employee ($millions) | 4.1575% | 3,684 |
| Cash dividends to net income (ytd only)* | 44.2193% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,929 |
| Loan loss allowance to noncurrent loans | 43.3531% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.2393% | 347 |
| Noncurrent loans to loans | 2.5854% | 436 |
| Net loans and leases to total assets | 77.7320% | 1,181 |
| Net loans and leases to deposits | 89.9970% | 1,697 |
| Net loans and leases to core deposits | 105.2911% | 1,239 |
| Total domestic deposits to total assets | 86.3717% | 1,838 |
| Equity capital to assets | 11.0755% | 3,038 |
| Core capital (leverage) ratio | 11.1717% | 2,493 |
| Tier 1 risk-based capital ratio | 12.7889% | 3,961 |
| Total risk-based capital ratio | 13.8244% | 3,973 |
| Memoranda: | ||
| Average total assets | $122,885,250 | 3,689 |
| Average earning assets | $110,789,500 | 3,735 |
| Average equity | $13,396,250 | 3,868 |
| Average total loans | $96,299,000 | 3,317 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 1,316 |
| Cost of funding earning assets | 1.1031% | 1,286 |
| Net interest margin | 3.9580% | 2,066 |
| Noninterest income to average assets | 0.7164% | 1,646 |
| Noninterest expense to average assets | 2.8985% | 2,288 |
| Loan and lease loss provision to assets | 0.1488% | 1,237 |
| Net operating income to assets | 0.9359% | 3,148 |
| Return on assets (ROA) | 0.9798% | 3,062 |
| Pretax return on assets | 1.2873% | 2,605 |
| Return on Equity (ROE) | 9.0367% | 2,840 |
| Retained earnings to average equity (ytd only) | 5.2199% | 2,658 |
| Net charge-offs to loans | 0.3385% | 503 |
| Credit loss provision to net charge-offs | 56.1728% | 2,428 |
| Earnings coverage of net charge-offs (x) | 5.2099% | 2,683 |
| Efficiency ratio | 67.7370% | 2,580 |
| Assets per employee ($millions) | 4.0371% | 3,819 |
| Cash dividends to net income (ytd only)* | 42.2371% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 2,859 |
| Loan loss allowance to noncurrent loans | 48.1580% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.6397% | 265 |
| Noncurrent loans to loans | 2.3605% | 535 |
| Net loans and leases to total assets | 77.9115% | 1,239 |
| Net loans and leases to deposits | 90.8943% | 1,645 |
| Net loans and leases to core deposits | 101.4013% | 1,605 |
| Total domestic deposits to total assets | 85.7166% | 2,175 |
| Equity capital to assets | 11.1846% | 2,877 |
| Core capital (leverage) ratio | 10.9697% | 2,627 |
| Tier 1 risk-based capital ratio | 12.4714% | 4,142 |
| Total risk-based capital ratio | 13.4835% | 4,148 |
| Memoranda: | ||
| Average total assets | $122,271,670 | 3,719 |
| Average earning assets | $110,056,670 | 3,772 |
| Average equity | $13,257,000 | 3,892 |
| Average total loans | $95,715,000 | 3,345 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 1,131 |
| Cost of funding earning assets | 1.0304% | 1,450 |
| Net interest margin | 4.0531% | 1,678 |
| Noninterest income to average assets | 0.6317% | 1,900 |
| Noninterest expense to average assets | 2.8750% | 2,342 |
| Loan and lease loss provision to assets | 0.1465% | 1,154 |
| Net operating income to assets | 0.9670% | 2,984 |
| Return on assets (ROA) | 0.9670% | 3,023 |
| Pretax return on assets | 1.2731% | 2,558 |
| Return on Equity (ROE) | 9.0601% | 2,782 |
| Retained earnings to average equity (ytd only) | 1.3422% | 4,245 |
| Net charge-offs to loans | 0.5759% | 258 |
| Credit loss provision to net charge-offs | 32.6087% | 2,074 |
| Earnings coverage of net charge-offs (x) | 3.1594% | 2,426 |
| Efficiency ratio | 66.9447% | 2,804 |
| Assets per employee ($millions) | 4.1264% | 3,728 |
| Cash dividends to net income (ytd only)* | 85.1852% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,928 |
| Loan loss allowance to noncurrent loans | 97.5229% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.6988% | 654 |
| Noncurrent loans to loans | 1.1651% | 1,425 |
| Net loans and leases to total assets | 74.7130% | 1,686 |
| Net loans and leases to deposits | 86.8318% | 2,021 |
| Net loans and leases to core deposits | 98.9621% | 1,713 |
| Total domestic deposits to total assets | 86.0434% | 2,266 |
| Equity capital to assets | 10.6753% | 3,184 |
| Core capital (leverage) ratio | 10.7663% | 2,791 |
| Tier 1 risk-based capital ratio | 11.9181% | 4,507 |
| Total risk-based capital ratio | 12.8876% | 4,544 |
| Memoranda: | ||
| Average total assets | $122,851,000 | 3,752 |
| Average earning assets | $111,027,000 | 3,800 |
| Average equity | $13,112,500 | 3,928 |
| Average total loans | $95,849,500 | 3,383 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 1,044 |
| Cost of funding earning assets | 0.7631% | 1,724 |
| Net interest margin | 4.2370% | 1,307 |
| Noninterest income to average assets | 0.8064% | 1,425 |
| Noninterest expense to average assets | 2.9322% | 2,235 |
| Loan and lease loss provision to assets | 0.1021% | 2,148 |
| Net operating income to assets | 1.2546% | 1,962 |
| Return on assets (ROA) | 1.2546% | 1,958 |
| Pretax return on assets | 1.6420% | 1,333 |
| Return on Equity (ROE) | 12.4042% | 1,578 |
| Retained earnings to average equity (ytd only) | 7.9410% | 1,263 |
| Net charge-offs to loans | 0.0631% | 2,224 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 34.1587% | 1,473 |
| Efficiency ratio | 62.7036% | 3,405 |
| Assets per employee ($millions) | 4.0637% | 3,805 |
| Cash dividends to net income (ytd only)* | 35.9819% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,678 |
| Loan loss allowance to noncurrent loans | 54.9691% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.4994% | 307 |
| Noncurrent loans to loans | 2.1427% | 611 |
| Net loans and leases to total assets | 79.5597% | 1,009 |
| Net loans and leases to deposits | 93.2526% | 1,368 |
| Net loans and leases to core deposits | 105.1563% | 1,331 |
| Total domestic deposits to total assets | 85.3163% | 2,508 |
| Equity capital to assets | 10.6717% | 3,014 |
| Core capital (leverage) ratio | 10.6750% | 2,859 |
| Tier 1 risk-based capital ratio | 12.7783% | 3,975 |
| Total risk-based capital ratio | 13.9125% | 3,922 |
| Memoranda: | ||
| Average total assets | $123,387,800 | 3,740 |
| Average earning assets | $112,698,200 | 3,765 |
| Average equity | $12,479,600 | 3,962 |
| Average total loans | $99,812,800 | 3,293 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 1,063 |
| Cost of funding earning assets | 0.7164% | 1,764 |
| Net interest margin | 4.2267% | 1,293 |
| Noninterest income to average assets | 0.8328% | 1,369 |
| Noninterest expense to average assets | 2.9401% | 2,193 |
| Loan and lease loss provision to assets | 0.1002% | 1,998 |
| Net operating income to assets | 1.2519% | 2,036 |
| Return on assets (ROA) | 1.2519% | 2,042 |
| Pretax return on assets | 1.6570% | 1,392 |
| Return on Equity (ROE) | 12.5479% | 1,597 |
| Retained earnings to average equity (ytd only) | 7.6886% | 1,803 |
| Net charge-offs to loans | 0.0492% | 2,124 |
| Credit loss provision to net charge-offs | 251.3514% | 1,172 |
| Earnings coverage of net charge-offs (x) | 44.0829% | 1,273 |
| Efficiency ratio | 62.5917% | 3,407 |
| Assets per employee ($millions) | 4.1103% | 3,712 |
| Cash dividends to net income (ytd only)* | 38.7268% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,643 |
| Loan loss allowance to noncurrent loans | 54.4508% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.4783% | 351 |
| Noncurrent loans to loans | 2.1963% | 643 |
| Net loans and leases to total assets | 77.0497% | 1,493 |
| Net loans and leases to deposits | 89.9018% | 1,912 |
| Net loans and leases to core deposits | 100.5482% | 1,737 |
| Total domestic deposits to total assets | 85.7043% | 2,326 |
| Equity capital to assets | 10.2141% | 3,437 |
| Core capital (leverage) ratio | 10.4120% | 3,173 |
| Tier 1 risk-based capital ratio | 12.3824% | 4,262 |
| Total risk-based capital ratio | 13.5016% | 4,238 |
| Memoranda: | ||
| Average total assets | $123,757,000 | 3,769 |
| Average earning assets | $113,151,000 | 3,797 |
| Average equity | $12,347,000 | 4,014 |
| Average total loans | $100,229,000 | 3,321 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 1,054 |
| Cost of funding earning assets | 0.6622% | 1,858 |
| Net interest margin | 4.2232% | 1,229 |
| Noninterest income to average assets | 0.7764% | 1,547 |
| Noninterest expense to average assets | 2.9313% | 2,255 |
| Loan and lease loss provision to assets | 0.0936% | 2,051 |
| Net operating income to assets | 1.2251% | 2,081 |
| Return on assets (ROA) | 1.2251% | 2,081 |
| Pretax return on assets | 1.6222% | 1,431 |
| Return on Equity (ROE) | 12.3774% | 1,591 |
| Retained earnings to average equity (ytd only) | 8.3820% | 1,458 |
| Net charge-offs to loans | 0.0394% | 2,067 |
| Credit loss provision to net charge-offs | 290.0000% | 1,025 |
| Earnings coverage of net charge-offs (x) | 53.1500% | 1,083 |
| Efficiency ratio | 63.0775% | 3,455 |
| Assets per employee ($millions) | 4.1718% | 3,621 |
| Cash dividends to net income (ytd only)* | 32.2793% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,268 |
| Loan loss allowance to noncurrent loans | 57.5280% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.8481% | 616 |
| Noncurrent loans to loans | 1.9111% | 806 |
| Net loans and leases to total assets | 81.2910% | 811 |
| Net loans and leases to deposits | 97.1330% | 1,028 |
| Net loans and leases to core deposits | 106.8395% | 1,186 |
| Total domestic deposits to total assets | 83.6905% | 3,180 |
| Equity capital to assets | 9.9501% | 3,677 |
| Core capital (leverage) ratio | 10.2939% | 3,242 |
| Tier 1 risk-based capital ratio | 11.7420% | 4,663 |
| Total risk-based capital ratio | 12.8024% | 4,651 |
| Memoranda: | ||
| Average total assets | $123,906,000 | 3,793 |
| Average earning assets | $113,563,000 | 3,817 |
| Average equity | $12,264,330 | 4,041 |
| Average total loans | $101,585,330 | 3,310 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 1,000 |
| Cost of funding earning assets | 0.6563% | 1,685 |
| Net interest margin | 4.1811% | 1,210 |
| Noninterest income to average assets | 0.7430% | 1,647 |
| Noninterest expense to average assets | 2.7547% | 2,860 |
| Loan and lease loss provision to assets | 0.0714% | 2,332 |
| Net operating income to assets | 1.3238% | 1,568 |
| Return on assets (ROA) | 1.3238% | 1,573 |
| Pretax return on assets | 1.7618% | 980 |
| Return on Equity (ROE) | 13.4100% | 1,158 |
| Retained earnings to average equity (ytd only) | 11.2736% | 831 |
| Net charge-offs to loans | 0.0040% | 2,596 |
| Credit loss provision to net charge-offs | 2,200.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 565.0000% | 112 |
| Efficiency ratio | 60.0424% | 4,063 |
| Assets per employee ($millions) | 4.0942% | 3,813 |
| Cash dividends to net income (ytd only)* | 15.9314% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 3,279 |
| Loan loss allowance to noncurrent loans | 87.3041% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.3214% | 1,119 |
| Noncurrent loans to loans | 1.2802% | 1,402 |
| Net loans and leases to total assets | 80.2434% | 904 |
| Net loans and leases to deposits | 92.6698% | 1,370 |
| Net loans and leases to core deposits | 101.2586% | 1,593 |
| Total domestic deposits to total assets | 86.5907% | 2,275 |
| Equity capital to assets | 9.9939% | 3,598 |
| Core capital (leverage) ratio | 10.1326% | 3,379 |
| Tier 1 risk-based capital ratio | 11.8516% | 4,650 |
| Total risk-based capital ratio | 12.9203% | 4,648 |
| Memoranda: | ||
| Average total assets | $123,282,000 | 3,844 |
| Average earning assets | $113,367,500 | 3,860 |
| Average equity | $12,170,000 | 4,091 |
| Average total loans | $100,943,000 | 3,345 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 1,089 |
| Cost of funding earning assets | 0.6765% | 1,152 |
| Net interest margin | 4.0682% | 1,536 |
| Noninterest income to average assets | 0.6637% | 2,123 |
| Noninterest expense to average assets | 3.0807% | 1,914 |
| Loan and lease loss provision to assets | 0.1740% | 1,254 |
| Net operating income to assets | 0.6901% | 3,637 |
| Return on assets (ROA) | 0.7076% | 3,625 |
| Pretax return on assets | 1.1633% | 2,932 |
| Return on Equity (ROE) | 7.2092% | 3,171 |
| Retained earnings to average equity (ytd only) | 4.2124% | 2,636 |
| Net charge-offs to loans | 0.1169% | 1,876 |
| Credit loss provision to net charge-offs | 187.5000% | 1,451 |
| Earnings coverage of net charge-offs (x) | 14.1161% | 2,353 |
| Efficiency ratio | 70.1642% | 2,522 |
| Assets per employee ($millions) | 4.1246% | 3,774 |
| Cash dividends to net income (ytd only)* | 41.5691% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,502 |
| Loan loss allowance to noncurrent loans | 84.5975% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.3246% | 1,089 |
| Noncurrent loans to loans | 1.2640% | 1,393 |
| Net loans and leases to total assets | 81.7204% | 722 |
| Net loans and leases to deposits | 96.7869% | 1,013 |
| Net loans and leases to core deposits | 105.4795% | 1,303 |
| Total domestic deposits to total assets | 84.4334% | 3,060 |
| Equity capital to assets | 9.7504% | 3,965 |
| Core capital (leverage) ratio | 9.7406% | 3,757 |
| Tier 1 risk-based capital ratio | 11.5640% | 4,812 |
| Total risk-based capital ratio | 12.6164% | 4,816 |
| Memoranda: | ||
| Average total assets | $120,686,400 | 3,886 |
| Average earning assets | $110,565,200 | 3,901 |
| Average equity | $11,846,000 | 4,166 |
| Average total loans | $95,827,800 | 3,419 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6931% | 1,152 |
| Cost of funding earning assets | 0.6611% | 1,177 |
| Net interest margin | 4.0320% | 1,598 |
| Noninterest income to average assets | 0.7371% | 1,847 |
| Noninterest expense to average assets | 3.2309% | 1,496 |
| Loan and lease loss provision to assets | 0.0878% | 2,328 |
| Net operating income to assets | 0.7098% | 3,929 |
| Return on assets (ROA) | 0.7204% | 3,930 |
| Pretax return on assets | 1.1240% | 3,212 |
| Return on Equity (ROE) | 7.3273% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.0658% | 2,844 |
| Net charge-offs to loans | 0.1146% | 1,644 |
| Credit loss provision to net charge-offs | 97.5309% | 2,353 |
| Earnings coverage of net charge-offs (x) | 13.2713% | 2,362 |
| Efficiency ratio | 72.9967% | 2,044 |
| Assets per employee ($millions) | 4.0705% | 3,869 |
| Cash dividends to net income (ytd only)* | 30.8641% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 4,044 |
| Loan loss allowance to noncurrent loans | 60.4382% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 895 |
| Noncurrent loans to loans | 1.6576% | 1,102 |
| Net loans and leases to total assets | 80.3554% | 933 |
| Net loans and leases to deposits | 96.3304% | 1,086 |
| Net loans and leases to core deposits | 105.6732% | 1,294 |
| Total domestic deposits to total assets | 83.4165% | 3,318 |
| Equity capital to assets | 9.8686% | 4,065 |
| Core capital (leverage) ratio | 10.0544% | 3,503 |
| Tier 1 risk-based capital ratio | 11.8150% | 4,756 |
| Total risk-based capital ratio | 12.7962% | 4,816 |
| Memoranda: | ||
| Average total assets | $119,923,250 | 3,939 |
| Average earning assets | $109,718,750 | 3,960 |
| Average equity | $11,791,250 | 4,218 |
| Average total loans | $94,231,500 | 3,477 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,321 |
| Cost of funding earning assets | 0.6605% | 1,086 |
| Net interest margin | 3.9117% | 1,887 |
| Noninterest income to average assets | 0.7467% | 1,782 |
| Noninterest expense to average assets | 2.9280% | 2,334 |
| Loan and lease loss provision to assets | 0.0604% | 2,757 |
| Net operating income to assets | 0.8531% | 3,142 |
| Return on assets (ROA) | 0.8692% | 3,125 |
| Pretax return on assets | 1.3508% | 2,208 |
| Return on Equity (ROE) | 8.8512% | 2,579 |
| Retained earnings to average equity (ytd only) | 7.1424% | 1,523 |
| Net charge-offs to loans | 0.1404% | 1,312 |
| Credit loss provision to net charge-offs | 55.3846% | 2,503 |
| Earnings coverage of net charge-offs (x) | 12.7077% | 2,172 |
| Efficiency ratio | 67.8724% | 3,037 |
| Assets per employee ($millions) | 4.0208% | 3,922 |
| Cash dividends to net income (ytd only)* | 19.3050% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 4,056 |
| Loan loss allowance to noncurrent loans | 57.9484% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.6241% | 907 |
| Noncurrent loans to loans | 1.7516% | 1,033 |
| Net loans and leases to total assets | 78.0979% | 1,237 |
| Net loans and leases to deposits | 89.5331% | 1,795 |
| Net loans and leases to core deposits | 97.7788% | 1,828 |
| Total domestic deposits to total assets | 87.2280% | 1,844 |
| Equity capital to assets | 9.9674% | 3,949 |
| Core capital (leverage) ratio | 10.0747% | 3,437 |
| Tier 1 risk-based capital ratio | 12.2905% | 4,433 |
| Total risk-based capital ratio | 13.2857% | 4,493 |
| Memoranda: | ||
| Average total assets | $119,192,670 | 3,972 |
| Average earning assets | $108,700,330 | 4,000 |
| Average equity | $11,704,670 | 4,240 |
| Average total loans | $92,602,330 | 3,523 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 1,496 |
| Cost of funding earning assets | 0.6871% | 895 |
| Net interest margin | 3.7641% | 2,249 |
| Noninterest income to average assets | 0.8069% | 1,525 |
| Noninterest expense to average assets | 2.8630% | 2,570 |
| Loan and lease loss provision to assets | 0.0574% | 2,657 |
| Net operating income to assets | 0.8474% | 3,004 |
| Return on assets (ROA) | 0.8474% | 3,048 |
| Pretax return on assets | 1.3268% | 2,149 |
| Return on Equity (ROE) | 8.6960% | 2,568 |
| Retained earnings to average equity (ytd only) | 5.2315% | 2,767 |
| Net charge-offs to loans | 0.0307% | 2,152 |
| Credit loss provision to net charge-offs | 242.8571% | 907 |
| Earnings coverage of net charge-offs (x) | 58.5714% | 816 |
| Efficiency ratio | 67.4086% | 3,289 |
| Assets per employee ($millions) | 3.9265% | 4,137 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,769 |
| Loan loss allowance to noncurrent loans | 58.9097% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.6962% | 879 |
| Noncurrent loans to loans | 1.8497% | 1,000 |
| Net loans and leases to total assets | 77.4432% | 1,209 |
| Net loans and leases to deposits | 89.2368% | 1,640 |
| Net loans and leases to core deposits | 97.0933% | 1,741 |
| Total domestic deposits to total assets | 86.7839% | 2,317 |
| Equity capital to assets | 9.8934% | 3,883 |
| Core capital (leverage) ratio | 9.9176% | 3,606 |
| Tier 1 risk-based capital ratio | 12.4862% | 4,397 |
| Total risk-based capital ratio | 13.5634% | 4,407 |
| Memoranda: | ||
| Average total assets | $118,477,500 | 4,024 |
| Average earning assets | $108,286,000 | 4,041 |
| Average equity | $11,545,500 | 4,296 |
| Average total loans | $91,318,500 | 3,568 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,374 |
| Cost of funding earning assets | 0.6769% | 925 |
| Net interest margin | 3.8880% | 2,002 |
| Noninterest income to average assets | 0.8572% | 1,551 |
| Noninterest expense to average assets | 3.0445% | 2,205 |
| Loan and lease loss provision to assets | 0.0170% | 4,039 |
| Net operating income to assets | 0.9183% | 2,729 |
| Return on assets (ROA) | 0.9445% | 2,714 |
| Pretax return on assets | 1.4040% | 1,928 |
| Return on Equity (ROE) | 9.7548% | 2,079 |
| Retained earnings to average equity (ytd only) | 4.7110% | 2,544 |
| Net charge-offs to loans | 0.0762% | 2,611 |
| Credit loss provision to net charge-offs | 28.9855% | 3,602 |
| Earnings coverage of net charge-offs (x) | 23.6232% | 1,668 |
| Efficiency ratio | 68.7799% | 3,109 |
| Assets per employee ($millions) | 3.9720% | 4,017 |
| Cash dividends to net income (ytd only)* | 51.7056% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,712 |
| Loan loss allowance to noncurrent loans | 57.9499% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.6860% | 917 |
| Noncurrent loans to loans | 1.8992% | 973 |
| Net loans and leases to total assets | 75.0359% | 1,688 |
| Net loans and leases to deposits | 85.9095% | 2,186 |
| Net loans and leases to core deposits | 95.4206% | 1,972 |
| Total domestic deposits to total assets | 87.3430% | 1,959 |
| Equity capital to assets | 9.5981% | 4,171 |
| Core capital (leverage) ratio | 9.6425% | 3,917 |
| Tier 1 risk-based capital ratio | 12.2072% | 4,571 |
| Total risk-based capital ratio | 13.2624% | 4,603 |
| Memoranda: | ||
| Average total assets | $117,948,800 | 4,029 |
| Average earning assets | $108,282,800 | 4,035 |
| Average equity | $11,420,000 | 4,352 |
| Average total loans | $90,520,400 | 3,565 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 1,397 |
| Cost of funding earning assets | 0.6701% | 947 |
| Net interest margin | 3.8840% | 2,038 |
| Noninterest income to average assets | 0.8987% | 1,408 |
| Noninterest expense to average assets | 3.0180% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9278% | 2,766 |
| Return on assets (ROA) | 0.9452% | 2,809 |
| Pretax return on assets | 1.4812% | 1,772 |
| Return on Equity (ROE) | 9.7407% | 2,174 |
| Retained earnings to average equity (ytd only) | 4.4265% | 3,182 |
| Net charge-offs to loans | 0.0515% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 36.6535% | 1,308 |
| Efficiency ratio | 67.4861% | 3,318 |
| Assets per employee ($millions) | 3.9867% | 3,991 |
| Cash dividends to net income (ytd only)* | 54.5563% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 3,627 |
| Loan loss allowance to noncurrent loans | 63.2602% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.6237% | 1,070 |
| Noncurrent loans to loans | 1.7993% | 1,151 |
| Net loans and leases to total assets | 73.2759% | 1,986 |
| Net loans and leases to deposits | 84.4956% | 2,431 |
| Net loans and leases to core deposits | 93.7465% | 2,213 |
| Total domestic deposits to total assets | 86.7216% | 2,020 |
| Equity capital to assets | 9.7266% | 4,442 |
| Core capital (leverage) ratio | 9.6557% | 3,993 |
| Tier 1 risk-based capital ratio | 12.1798% | 4,686 |
| Total risk-based capital ratio | 13.2626% | 4,685 |
| Memoranda: | ||
| Average total assets | $117,646,250 | 4,059 |
| Average earning assets | $108,235,750 | 4,063 |
| Average equity | $11,415,750 | 4,390 |
| Average total loans | $90,548,750 | 3,581 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6102% | 1,250 |
| Cost of funding earning assets | 0.6613% | 986 |
| Net interest margin | 3.9489% | 1,814 |
| Noninterest income to average assets | 0.9368% | 1,272 |
| Noninterest expense to average assets | 2.9847% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0035% | 2,379 |
| Return on assets (ROA) | 1.0035% | 2,513 |
| Pretax return on assets | 1.5864% | 1,408 |
| Return on Equity (ROE) | 10.3497% | 1,903 |
| Retained earnings to average equity (ytd only) | 4.9721% | 2,757 |
| Net charge-offs to loans | 0.0439% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 46.4000% | 1,048 |
| Efficiency ratio | 65.2954% | 3,793 |
| Assets per employee ($millions) | 3.9523% | 3,992 |
| Cash dividends to net income (ytd only)* | 51.9591% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 3,729 |
| Loan loss allowance to noncurrent loans | 74.3106% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.4295% | 1,359 |
| Noncurrent loans to loans | 1.5319% | 1,417 |
| Net loans and leases to total assets | 75.0011% | 1,650 |
| Net loans and leases to deposits | 87.5413% | 2,060 |
| Net loans and leases to core deposits | 92.6913% | 2,286 |
| Total domestic deposits to total assets | 85.6750% | 2,570 |
| Equity capital to assets | 9.8103% | 4,438 |
| Core capital (leverage) ratio | 9.6335% | 4,021 |
| Tier 1 risk-based capital ratio | 11.7855% | 4,984 |
| Total risk-based capital ratio | 12.8579% | 4,984 |
| Memoranda: | ||
| Average total assets | $116,995,000 | 4,106 |
| Average earning assets | $107,674,330 | 4,102 |
| Average equity | $11,343,330 | 4,428 |
| Average total loans | $91,182,670 | 3,582 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 1,074 |
| Cost of funding earning assets | 0.6717% | 942 |
| Net interest margin | 4.0152% | 1,568 |
| Noninterest income to average assets | 0.7607% | 1,774 |
| Noninterest expense to average assets | 2.9843% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9087% | 2,708 |
| Return on assets (ROA) | 0.9087% | 2,828 |
| Pretax return on assets | 1.4595% | 1,721 |
| Return on Equity (ROE) | 9.4294% | 2,224 |
| Retained earnings to average equity (ytd only) | 2.4645% | 4,272 |
| Net charge-offs to loans | 0.0523% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 1,085 |
| Efficiency ratio | 67.1572% | 3,603 |
| Assets per employee ($millions) | 3.8794% | 4,163 |
| Cash dividends to net income (ytd only)* | 73.8636% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 3,920 |
| Loan loss allowance to noncurrent loans | 55.9350% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.8577% | 985 |
| Noncurrent loans to loans | 2.0106% | 1,065 |
| Net loans and leases to total assets | 77.9598% | 1,110 |
| Net loans and leases to deposits | 90.3381% | 1,536 |
| Net loans and leases to core deposits | 101.9461% | 1,342 |
| Total domestic deposits to total assets | 86.2978% | 2,539 |
| Equity capital to assets | 9.6818% | 4,470 |
| Core capital (leverage) ratio | 9.5054% | 4,188 |
| Tier 1 risk-based capital ratio | 11.6235% | 5,156 |
| Total risk-based capital ratio | 12.7100% | 5,156 |
| Memoranda: | ||
| Average total assets | $116,208,000 | 4,149 |
| Average earning assets | $106,596,000 | 4,151 |
| Average equity | $11,199,000 | 4,469 |
| Average total loans | $91,798,000 | 3,583 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,339 |
| Cost of funding earning assets | 0.6823% | 898 |
| Net interest margin | 3.9139% | 1,981 |
| Noninterest income to average assets | 0.7817% | 1,856 |
| Noninterest expense to average assets | 3.0815% | 2,294 |
| Loan and lease loss provision to assets | 0.0563% | 3,182 |
| Net operating income to assets | 0.8343% | 3,182 |
| Return on assets (ROA) | 0.8614% | 3,130 |
| Pretax return on assets | 1.2678% | 2,407 |
| Return on Equity (ROE) | 8.8875% | 2,510 |
| Retained earnings to average equity (ytd only) | 0.2682% | 5,404 |
| Net charge-offs to loans | 0.0280% | 3,663 |
| Credit loss provision to net charge-offs | 260.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 59.2800% | 875 |
| Efficiency ratio | 70.5836% | 3,128 |
| Assets per employee ($millions) | 3.8678% | 4,181 |
| Cash dividends to net income (ytd only)* | 96.9819% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,825 |
| Loan loss allowance to noncurrent loans | 65.0467% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.6564% | 1,179 |
| Noncurrent loans to loans | 1.7478% | 1,281 |
| Net loans and leases to total assets | 78.2433% | 1,087 |
| Net loans and leases to deposits | 95.7518% | 1,040 |
| Net loans and leases to core deposits | 103.9835% | 1,220 |
| Total domestic deposits to total assets | 81.7147% | 4,257 |
| Equity capital to assets | 9.5921% | 4,445 |
| Core capital (leverage) ratio | 9.6255% | 4,008 |
| Tier 1 risk-based capital ratio | 11.4083% | 5,310 |
| Total risk-based capital ratio | 12.4939% | 5,298 |
| Memoranda: | ||
| Average total assets | $115,396,600 | 4,151 |
| Average earning assets | $105,675,600 | 4,152 |
| Average equity | $11,184,200 | 4,440 |
| Average total loans | $89,239,600 | 3,606 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 1,377 |
| Cost of funding earning assets | 0.6807% | 929 |
| Net interest margin | 3.9010% | 2,029 |
| Noninterest income to average assets | 0.7891% | 1,840 |
| Noninterest expense to average assets | 3.1216% | 2,166 |
| Loan and lease loss provision to assets | 0.0740% | 2,689 |
| Net operating income to assets | 0.7524% | 3,670 |
| Return on assets (ROA) | 0.8411% | 3,301 |
| Pretax return on assets | 1.3039% | 2,386 |
| Return on Equity (ROE) | 8.6563% | 2,754 |
| Retained earnings to average equity (ytd only) | -1.7384% | 5,828 |
| Net charge-offs to loans | 0.0301% | 3,333 |
| Credit loss provision to net charge-offs | 320.0000% | 912 |
| Earnings coverage of net charge-offs (x) | 53.6419% | 998 |
| Efficiency ratio | 71.5460% | 2,953 |
| Assets per employee ($millions) | 3.8918% | 4,097 |
| Cash dividends to net income (ytd only)* | 120.0823% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 4,042 |
| Loan loss allowance to noncurrent loans | 61.8654% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.7395% | 1,243 |
| Noncurrent loans to loans | 1.8322% | 1,286 |
| Net loans and leases to total assets | 78.2913% | 1,054 |
| Net loans and leases to deposits | 95.8899% | 1,015 |
| Net loans and leases to core deposits | 104.7128% | 1,186 |
| Total domestic deposits to total assets | 81.6470% | 4,277 |
| Equity capital to assets | 9.4317% | 4,841 |
| Core capital (leverage) ratio | 9.4753% | 4,330 |
| Tier 1 risk-based capital ratio | 11.2758% | 5,502 |
| Total risk-based capital ratio | 12.3705% | 5,484 |
| Memoranda: | ||
| Average total assets | $115,237,500 | 4,190 |
| Average earning assets | $105,577,000 | 4,191 |
| Average equity | $11,197,750 | 4,495 |
| Average total loans | $88,591,500 | 3,650 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 1,439 |
| Cost of funding earning assets | 0.6802% | 930 |
| Net interest margin | 3.8546% | 2,123 |
| Noninterest income to average assets | 0.7165% | 2,147 |
| Noninterest expense to average assets | 3.1412% | 2,141 |
| Loan and lease loss provision to assets | 0.0750% | 2,616 |
| Net operating income to assets | 0.6544% | 4,102 |
| Return on assets (ROA) | 0.7827% | 3,580 |
| Pretax return on assets | 1.2272% | 2,662 |
| Return on Equity (ROE) | 7.9754% | 3,073 |
| Retained earnings to average equity (ytd only) | 0.0178% | 5,498 |
| Net charge-offs to loans | 0.0412% | 2,863 |
| Credit loss provision to net charge-offs | 238.8889% | 1,082 |
| Earnings coverage of net charge-offs (x) | 35.1111% | 1,229 |
| Efficiency ratio | 74.0345% | 2,673 |
| Assets per employee ($millions) | 3.8856% | 4,103 |
| Cash dividends to net income (ytd only)* | 99.7773% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 4,141 |
| Loan loss allowance to noncurrent loans | 58.9347% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 1.8298% | 1,252 |
| Noncurrent loans to loans | 1.9323% | 1,289 |
| Net loans and leases to total assets | 76.6332% | 1,284 |
| Net loans and leases to deposits | 93.4355% | 1,206 |
| Net loans and leases to core deposits | 101.9109% | 1,333 |
| Total domestic deposits to total assets | 82.0172% | 4,291 |
| Equity capital to assets | 9.5061% | 4,644 |
| Core capital (leverage) ratio | 9.6377% | 4,090 |
| Tier 1 risk-based capital ratio | 11.4608% | 5,490 |
| Total risk-based capital ratio | 12.5386% | 5,508 |
| Memoranda: | ||
| Average total assets | $114,731,670 | 4,237 |
| Average earning assets | $104,965,330 | 4,247 |
| Average equity | $11,259,670 | 4,521 |
| Average total loans | $87,303,000 | 3,705 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,326 |
| Cost of funding earning assets | 0.6621% | 1,034 |
| Net interest margin | 3.8920% | 1,926 |
| Noninterest income to average assets | 0.5483% | 2,957 |
| Noninterest expense to average assets | 3.0190% | 2,520 |
| Loan and lease loss provision to assets | 0.0633% | 2,661 |
| Net operating income to assets | 0.6082% | 4,249 |
| Return on assets (ROA) | 0.8646% | 3,051 |
| Pretax return on assets | 1.4199% | 1,812 |
| Return on Equity (ROE) | 8.6704% | 2,616 |
| Retained earnings to average equity (ytd only) | 0.5639% | 5,205 |
| Net charge-offs to loans | 0.0280% | 2,616 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 824 |
| Efficiency ratio | 73.6075% | 2,879 |
| Assets per employee ($millions) | 3.7552% | 4,409 |
| Cash dividends to net income (ytd only)* | 93.4959% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 3,989 |
| Loan loss allowance to noncurrent loans | 53.3894% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.1774% | 1,058 |
| Noncurrent loans to loans | 2.2462% | 1,113 |
| Net loans and leases to total assets | 74.3021% | 1,454 |
| Net loans and leases to deposits | 87.2000% | 1,707 |
| Net loans and leases to core deposits | 94.8434% | 1,703 |
| Total domestic deposits to total assets | 85.2088% | 3,304 |
| Equity capital to assets | 10.0999% | 4,016 |
| Core capital (leverage) ratio | 9.7026% | 4,008 |
| Tier 1 risk-based capital ratio | 11.5405% | 5,531 |
| Total risk-based capital ratio | 12.6107% | 5,538 |
| Memoranda: | ||
| Average total assets | $113,814,000 | 4,289 |
| Average earning assets | $103,905,000 | 4,304 |
| Average equity | $11,349,000 | 4,535 |
| Average total loans | $85,775,500 | 3,755 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 1,137 |
| Cost of funding earning assets | 0.6983% | 1,120 |
| Net interest margin | 4.0905% | 1,608 |
| Noninterest income to average assets | 0.9664% | 1,301 |
| Noninterest expense to average assets | 3.0545% | 2,673 |
| Loan and lease loss provision to assets | 0.0866% | 2,740 |
| Net operating income to assets | 1.0062% | 2,350 |
| Return on assets (ROA) | 1.0057% | 2,438 |
| Pretax return on assets | 1.5357% | 1,422 |
| Return on Equity (ROE) | 10.2486% | 2,010 |
| Retained earnings to average equity (ytd only) | 0.6911% | 5,454 |
| Net charge-offs to loans | 0.0316% | 4,195 |
| Credit loss provision to net charge-offs | 373.0769% | 701 |
| Earnings coverage of net charge-offs (x) | 69.9615% | 706 |
| Efficiency ratio | 65.2995% | 4,360 |
| Assets per employee ($millions) | 3.8324% | 4,281 |
| Cash dividends to net income (ytd only)* | 93.2564% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 4,247 |
| Loan loss allowance to noncurrent loans | 56.7873% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.5215% | 913 |
| Noncurrent loans to loans | 2.0362% | 1,355 |
| Net loans and leases to total assets | 74.6488% | 1,471 |
| Net loans and leases to deposits | 90.9800% | 1,402 |
| Net loans and leases to core deposits | 97.8654% | 1,561 |
| Total domestic deposits to total assets | 82.0497% | 4,405 |
| Equity capital to assets | 9.8458% | 4,293 |
| Core capital (leverage) ratio | 9.7423% | 3,913 |
| Tier 1 risk-based capital ratio | 11.2965% | 5,772 |
| Total risk-based capital ratio | 12.3332% | 5,818 |
| Memoranda: | ||
| Average total assets | $112,064,800 | 4,341 |
| Average earning assets | $101,675,000 | 4,359 |
| Average equity | $10,996,600 | 4,561 |
| Average total loans | $82,271,800 | 3,812 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 892 |
| Cost of funding earning assets | 0.7015% | 1,146 |
| Net interest margin | 4.2194% | 1,228 |
| Noninterest income to average assets | 0.9963% | 1,236 |
| Noninterest expense to average assets | 3.2465% | 2,035 |
| Loan and lease loss provision to assets | 0.0934% | 2,492 |
| Net operating income to assets | 0.9999% | 2,451 |
| Return on assets (ROA) | 0.9999% | 2,516 |
| Pretax return on assets | 1.4813% | 1,706 |
| Return on Equity (ROE) | 10.1991% | 2,121 |
| Retained earnings to average equity (ytd only) | 0.9038% | 5,523 |
| Net charge-offs to loans | 0.0329% | 3,825 |
| Credit loss provision to net charge-offs | 390.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 65.7402% | 811 |
| Efficiency ratio | 67.3373% | 3,982 |
| Assets per employee ($millions) | 3.7626% | 4,366 |
| Cash dividends to net income (ytd only)* | 91.1372% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 4,335 |
| Loan loss allowance to noncurrent loans | 64.5603% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 2.3618% | 1,152 |
| Noncurrent loans to loans | 1.8297% | 1,752 |
| Net loans and leases to total assets | 73.4450% | 1,605 |
| Net loans and leases to deposits | 89.1853% | 1,526 |
| Net loans and leases to core deposits | 97.6985% | 1,538 |
| Total domestic deposits to total assets | 82.3510% | 4,361 |
| Equity capital to assets | 9.8752% | 4,326 |
| Core capital (leverage) ratio | 9.7953% | 3,943 |
| Tier 1 risk-based capital ratio | 11.8458% | 5,590 |
| Total risk-based capital ratio | 12.9189% | 5,607 |
| Memoranda: | ||
| Average total assets | $111,337,750 | 4,392 |
| Average earning assets | $100,927,000 | 4,415 |
| Average equity | $10,915,750 | 4,612 |
| Average total loans | $81,132,250 | 3,873 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,071 |
| Cost of funding earning assets | 0.6898% | 1,243 |
| Net interest margin | 4.1091% | 1,481 |
| Noninterest income to average assets | 0.9655% | 1,294 |
| Noninterest expense to average assets | 3.2700% | 1,993 |
| Loan and lease loss provision to assets | 0.0993% | 2,368 |
| Net operating income to assets | 0.9583% | 2,517 |
| Return on assets (ROA) | 0.9583% | 2,602 |
| Pretax return on assets | 1.3156% | 2,198 |
| Return on Equity (ROE) | 9.7983% | 2,244 |
| Retained earnings to average equity (ytd only) | -1.4762% | 5,927 |
| Net charge-offs to loans | 0.0274% | 3,644 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 71.2727% | 727 |
| Efficiency ratio | 69.7997% | 3,689 |
| Assets per employee ($millions) | 3.7308% | 4,392 |
| Cash dividends to net income (ytd only)* | 115.0659% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,418 |
| Loan loss allowance to noncurrent loans | 66.8720% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.8271% | 1,774 |
| Noncurrent loans to loans | 1.7962% | 1,914 |
| Net loans and leases to total assets | 71.7994% | 1,779 |
| Net loans and leases to deposits | 85.0316% | 1,924 |
| Net loans and leases to core deposits | 93.2738% | 1,840 |
| Total domestic deposits to total assets | 84.4384% | 3,754 |
| Equity capital to assets | 9.8121% | 4,334 |
| Core capital (leverage) ratio | 9.6103% | 4,159 |
| Tier 1 risk-based capital ratio | 11.8477% | 5,625 |
| Total risk-based capital ratio | 12.9211% | 5,658 |
| Memoranda: | ||
| Average total assets | $110,824,000 | 4,428 |
| Average earning assets | $100,313,000 | 4,464 |
| Average equity | $10,838,670 | 4,647 |
| Average total loans | $80,211,330 | 3,904 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 947 |
| Cost of funding earning assets | 0.6583% | 1,529 |
| Net interest margin | 4.1909% | 1,247 |
| Noninterest income to average assets | 0.7110% | 2,119 |
| Noninterest expense to average assets | 3.0433% | 2,719 |
| Loan and lease loss provision to assets | 0.1161% | 2,024 |
| Net operating income to assets | 0.8379% | 2,961 |
| Return on assets (ROA) | 0.8379% | 3,032 |
| Pretax return on assets | 1.3385% | 1,967 |
| Return on Equity (ROE) | 8.5818% | 2,652 |
| Retained earnings to average equity (ytd only) | -6.8357% | 6,230 |
| Net charge-offs to loans | 0.3013% | 1,161 |
| Credit loss provision to net charge-offs | 53.3333% | 2,172 |
| Earnings coverage of net charge-offs (x) | 6.6833% | 2,200 |
| Efficiency ratio | 67.6613% | 4,237 |
| Assets per employee ($millions) | 3.6486% | 4,626 |
| Cash dividends to net income (ytd only)* | 179.6537% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 4,848 |
| Loan loss allowance to noncurrent loans | 67.7903% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.7532% | 2,007 |
| Noncurrent loans to loans | 1.7025% | 2,283 |
| Net loans and leases to total assets | 70.8105% | 1,754 |
| Net loans and leases to deposits | 83.1246% | 1,931 |
| Net loans and leases to core deposits | 90.7512% | 1,848 |
| Total domestic deposits to total assets | 85.1860% | 3,785 |
| Equity capital to assets | 9.7938% | 4,117 |
| Core capital (leverage) ratio | 9.7332% | 3,948 |
| Tier 1 risk-based capital ratio | 12.1325% | 5,553 |
| Total risk-based capital ratio | 13.1605% | 5,624 |
| Memoranda: | ||
| Average total assets | $110,274,500 | 4,478 |
| Average earning assets | $99,644,000 | 4,521 |
| Average equity | $10,767,000 | 4,675 |
| Average total loans | $79,648,500 | 3,943 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,973 |
| Cost of funding earning assets | 0.7598% | 1,441 |
| Net interest margin | 3.8061% | 2,636 |
| Noninterest income to average assets | 0.8544% | 1,848 |
| Noninterest expense to average assets | 2.7917% | 3,753 |
| Loan and lease loss provision to assets | 0.1966% | 1,884 |
| Net operating income to assets | 0.8359% | 3,104 |
| Return on assets (ROA) | 0.8969% | 2,890 |
| Pretax return on assets | 1.3750% | 1,880 |
| Return on Equity (ROE) | 9.1950% | 2,453 |
| Retained earnings to average equity (ytd only) | 0.6626% | 5,537 |
| Net charge-offs to loans | 0.0550% | 4,460 |
| Credit loss provision to net charge-offs | 528.5714% | 444 |
| Earnings coverage of net charge-offs (x) | 39.7381% | 960 |
| Efficiency ratio | 65.3878% | 4,673 |
| Assets per employee ($millions) | 3.7031% | 4,470 |
| Cash dividends to net income (ytd only)* | 92.7937% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 4,894 |
| Loan loss allowance to noncurrent loans | 68.4018% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 2,242 |
| Noncurrent loans to loans | 1.6863% | 2,383 |
| Net loans and leases to total assets | 71.9692% | 1,685 |
| Net loans and leases to deposits | 84.7030% | 1,834 |
| Net loans and leases to core deposits | 92.8508% | 1,692 |
| Total domestic deposits to total assets | 84.9665% | 3,767 |
| Equity capital to assets | 9.7343% | 4,125 |
| Core capital (leverage) ratio | 9.6415% | 4,064 |
| Tier 1 risk-based capital ratio | 12.2486% | 5,458 |
| Total risk-based capital ratio | 13.3004% | 5,522 |
| Memoranda: | ||
| Average total assets | $112,941,800 | 4,436 |
| Average earning assets | $101,338,600 | 4,477 |
| Average equity | $11,016,800 | 4,633 |
| Average total loans | $76,340,200 | 4,047 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 2,160 |
| Cost of funding earning assets | 0.7749% | 1,456 |
| Net interest margin | 3.7434% | 2,870 |
| Noninterest income to average assets | 0.6901% | 2,663 |
| Noninterest expense to average assets | 2.9310% | 3,205 |
| Loan and lease loss provision to assets | 0.1646% | 2,202 |
| Net operating income to assets | 0.6737% | 3,991 |
| Return on assets (ROA) | 0.7254% | 3,851 |
| Pretax return on assets | 1.0240% | 3,403 |
| Return on Equity (ROE) | 7.4330% | 3,417 |
| Retained earnings to average equity (ytd only) | 0.0843% | 5,910 |
| Net charge-offs to loans | 0.0408% | 4,330 |
| Credit loss provision to net charge-offs | 608.6957% | 463 |
| Earnings coverage of net charge-offs (x) | 41.2553% | 983 |
| Efficiency ratio | 72.4288% | 3,330 |
| Assets per employee ($millions) | 3.7933% | 4,262 |
| Cash dividends to net income (ytd only)* | 98.8646% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 5,389 |
| Loan loss allowance to noncurrent loans | 60.2076% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.5809% | 2,564 |
| Noncurrent loans to loans | 1.8002% | 2,497 |
| Net loans and leases to total assets | 69.7728% | 2,004 |
| Net loans and leases to deposits | 84.7774% | 1,766 |
| Net loans and leases to core deposits | 91.4831% | 1,816 |
| Total domestic deposits to total assets | 82.3011% | 4,831 |
| Equity capital to assets | 9.5010% | 4,557 |
| Core capital (leverage) ratio | 9.4756% | 4,446 |
| Tier 1 risk-based capital ratio | 13.5207% | 4,741 |
| Total risk-based capital ratio | 14.6100% | 4,797 |
| Memoranda: | ||
| Average total assets | $113,404,250 | 4,472 |
| Average earning assets | $101,686,500 | 4,513 |
| Average equity | $11,067,500 | 4,675 |
| Average total loans | $75,204,000 | 4,113 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 2,271 |
| Cost of funding earning assets | 0.7893% | 1,474 |
| Net interest margin | 3.6920% | 2,983 |
| Noninterest income to average assets | 0.8051% | 2,164 |
| Noninterest expense to average assets | 2.8498% | 3,517 |
| Loan and lease loss provision to assets | 0.1854% | 2,036 |
| Net operating income to assets | 0.6892% | 3,859 |
| Return on assets (ROA) | 0.7592% | 3,669 |
| Pretax return on assets | 1.1830% | 2,751 |
| Return on Equity (ROE) | 7.7112% | 3,233 |
| Retained earnings to average equity (ytd only) | 1.4526% | 5,292 |
| Net charge-offs to loans | 0.0354% | 4,188 |
| Credit loss provision to net charge-offs | 807.6923% | 378 |
| Earnings coverage of net charge-offs (x) | 54.8462% | 749 |
| Efficiency ratio | 69.3597% | 3,949 |
| Assets per employee ($millions) | 3.8924% | 4,029 |
| Cash dividends to net income (ytd only)* | 81.1628% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,480 |
| Loan loss allowance to noncurrent loans | 61.4099% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 2.0748% | 2,083 |
| Noncurrent loans to loans | 1.7768% | 2,664 |
| Net loans and leases to total assets | 67.8555% | 2,272 |
| Net loans and leases to deposits | 79.9591% | 2,325 |
| Net loans and leases to core deposits | 86.1258% | 2,324 |
| Total domestic deposits to total assets | 84.8628% | 3,957 |
| Equity capital to assets | 9.5782% | 4,480 |
| Core capital (leverage) ratio | 9.5464% | 4,174 |
| Tier 1 risk-based capital ratio | 13.0344% | 5,119 |
| Total risk-based capital ratio | 14.0473% | 5,224 |
| Memoranda: | ||
| Average total assets | $113,273,000 | 4,503 |
| Average earning assets | $101,354,330 | 4,537 |
| Average equity | $11,152,670 | 4,692 |
| Average total loans | $73,515,330 | 4,192 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,658 |
| Cost of funding earning assets | 0.7996% | 1,529 |
| Net interest margin | 3.5607% | 3,428 |
| Noninterest income to average assets | 0.8002% | 2,119 |
| Noninterest expense to average assets | 2.6897% | 4,108 |
| Loan and lease loss provision to assets | 0.1093% | 2,878 |
| Net operating income to assets | 0.7473% | 3,448 |
| Return on assets (ROA) | 0.7473% | 3,584 |
| Pretax return on assets | 1.1880% | 2,619 |
| Return on Equity (ROE) | 7.4892% | 3,219 |
| Retained earnings to average equity (ytd only) | 6.0761% | 2,638 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4624% | 4,417 |
| Assets per employee ($millions) | 3.9633% | 4,030 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 5,722 |
| Loan loss allowance to noncurrent loans | 70.2509% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6888% | 2,757 |
| Noncurrent loans to loans | 1.5201% | 3,267 |
| Net loans and leases to total assets | 63.1946% | 2,852 |
| Net loans and leases to deposits | 74.8611% | 2,792 |
| Net loans and leases to core deposits | 80.5425% | 2,742 |
| Total domestic deposits to total assets | 84.4158% | 4,307 |
| Equity capital to assets | 9.8976% | 4,279 |
| Core capital (leverage) ratio | 9.6183% | 3,888 |
| Tier 1 risk-based capital ratio | 13.6072% | 4,787 |
| Total risk-based capital ratio | 14.5802% | 4,940 |
| Memoranda: | ||
| Average total assets | $113,469,000 | 4,537 |
| Average earning assets | $101,552,000 | 4,573 |
| Average equity | $11,323,000 | 4,711 |
| Average total loans | $71,552,500 | 4,292 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 2,669 |
| Cost of funding earning assets | 0.8615% | 2,207 |
| Net interest margin | 3.8213% | 3,139 |
| Noninterest income to average assets | 0.7770% | 2,356 |
| Noninterest expense to average assets | 2.7626% | 4,175 |
| Loan and lease loss provision to assets | 0.2522% | 2,639 |
| Net operating income to assets | 0.9257% | 2,672 |
| Return on assets (ROA) | 1.0603% | 2,278 |
| Pretax return on assets | 1.4155% | 1,987 |
| Return on Equity (ROE) | 10.9101% | 1,830 |
| Retained earnings to average equity (ytd only) | 6.5058% | 1,816 |
| Net charge-offs to loans | 0.6381% | 1,836 |
| Credit loss provision to net charge-offs | 62.5551% | 4,380 |
| Earnings coverage of net charge-offs (x) | 3.6916% | 3,635 |
| Efficiency ratio | 64.9885% | 4,706 |
| Assets per employee ($millions) | 3.7334% | 4,500 |
| Cash dividends to net income (ytd only)* | 40.3685% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,627 |
| Loan loss allowance to noncurrent loans | 66.6962% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.7214% | 2,814 |
| Noncurrent loans to loans | 1.6201% | 3,198 |
| Net loans and leases to total assets | 61.5477% | 3,327 |
| Net loans and leases to deposits | 72.9229% | 3,265 |
| Net loans and leases to core deposits | 77.7176% | 3,298 |
| Total domestic deposits to total assets | 84.4010% | 4,130 |
| Equity capital to assets | 10.0624% | 4,090 |
| Core capital (leverage) ratio | 9.7720% | 3,695 |
| Tier 1 risk-based capital ratio | 13.8567% | 4,487 |
| Total risk-based capital ratio | 14.8235% | 4,647 |
| Memoranda: | ||
| Average total assets | $112,612,200 | 4,532 |
| Average earning assets | $102,374,000 | 4,535 |
| Average equity | $10,944,000 | 4,772 |
| Average total loans | $71,144,800 | 4,316 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 2,934 |
| Cost of funding earning assets | 0.8719% | 2,378 |
| Net interest margin | 3.7963% | 3,348 |
| Noninterest income to average assets | 0.8217% | 2,152 |
| Noninterest expense to average assets | 2.7880% | 4,021 |
| Loan and lease loss provision to assets | 0.2980% | 2,208 |
| Net operating income to assets | 0.7824% | 3,541 |
| Return on assets (ROA) | 0.9376% | 3,027 |
| Pretax return on assets | 1.4496% | 2,080 |
| Return on Equity (ROE) | 9.7336% | 2,483 |
| Retained earnings to average equity (ytd only) | 5.5602% | 2,995 |
| Net charge-offs to loans | 0.7756% | 1,424 |
| Credit loss provision to net charge-offs | 60.5769% | 4,135 |
| Earnings coverage of net charge-offs (x) | 3.0673% | 3,802 |
| Efficiency ratio | 64.8872% | 4,643 |
| Assets per employee ($millions) | 3.7374% | 4,453 |
| Cash dividends to net income (ytd only)* | 42.8748% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 5,872 |
| Loan loss allowance to noncurrent loans | 63.9966% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8150% | 2,895 |
| Noncurrent loans to loans | 1.6484% | 3,319 |
| Net loans and leases to total assets | 63.4948% | 3,118 |
| Net loans and leases to deposits | 75.0762% | 3,131 |
| Net loans and leases to core deposits | 79.9854% | 3,207 |
| Total domestic deposits to total assets | 84.5738% | 3,941 |
| Equity capital to assets | 9.9214% | 4,618 |
| Core capital (leverage) ratio | 9.3727% | 4,472 |
| Tier 1 risk-based capital ratio | 12.7946% | 5,412 |
| Total risk-based capital ratio | 13.7167% | 5,634 |
| Memoranda: | ||
| Average total assets | $112,765,000 | 4,567 |
| Average earning assets | $103,221,250 | 4,564 |
| Average equity | $10,862,500 | 4,835 |
| Average total loans | $71,509,250 | 4,343 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 3,117 |
| Cost of funding earning assets | 0.8984% | 2,409 |
| Net interest margin | 3.7562% | 3,560 |
| Noninterest income to average assets | 0.8090% | 2,142 |
| Noninterest expense to average assets | 2.7580% | 4,186 |
| Loan and lease loss provision to assets | 0.3859% | 1,698 |
| Net operating income to assets | 0.7200% | 3,752 |
| Return on assets (ROA) | 0.9524% | 2,906 |
| Pretax return on assets | 1.4569% | 1,987 |
| Return on Equity (ROE) | 9.9858% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.1808% | 2,584 |
| Net charge-offs to loans | 1.1491% | 941 |
| Credit loss provision to net charge-offs | 53.1707% | 3,973 |
| Earnings coverage of net charge-offs (x) | 2.0463% | 3,966 |
| Efficiency ratio | 64.9979% | 4,722 |
| Assets per employee ($millions) | 3.6779% | 4,567 |
| Cash dividends to net income (ytd only)* | 38.1041% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 6,001 |
| Loan loss allowance to noncurrent loans | 63.7871% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.8081% | 3,026 |
| Noncurrent loans to loans | 1.6323% | 3,461 |
| Net loans and leases to total assets | 62.9671% | 3,241 |
| Net loans and leases to deposits | 73.9036% | 3,307 |
| Net loans and leases to core deposits | 78.7701% | 3,401 |
| Total domestic deposits to total assets | 85.2017% | 3,766 |
| Equity capital to assets | 9.8544% | 4,542 |
| Core capital (leverage) ratio | 9.2384% | 4,541 |
| Tier 1 risk-based capital ratio | 12.4750% | 5,582 |
| Total risk-based capital ratio | 13.3508% | 5,841 |
| Memoranda: | ||
| Average total assets | $112,979,670 | 4,592 |
| Average earning assets | $103,296,670 | 4,592 |
| Average equity | $10,775,330 | 4,866 |
| Average total loans | $71,362,330 | 4,374 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 3,691 |
| Cost of funding earning assets | 0.9188% | 2,529 |
| Net interest margin | 3.6372% | 4,099 |
| Noninterest income to average assets | 0.8154% | 2,087 |
| Noninterest expense to average assets | 2.6037% | 4,805 |
| Loan and lease loss provision to assets | 0.6439% | 850 |
| Net operating income to assets | 0.6112% | 4,298 |
| Return on assets (ROA) | 0.8574% | 3,355 |
| Pretax return on assets | 1.2738% | 2,632 |
| Return on Equity (ROE) | 9.1363% | 2,769 |
| Retained earnings to average equity (ytd only) | 9.1363% | 1,537 |
| Net charge-offs to loans | 2.2352% | 397 |
| Credit loss provision to net charge-offs | 45.7711% | 3,352 |
| Earnings coverage of net charge-offs (x) | 1.1020% | 3,783 |
| Efficiency ratio | 62.6790% | 5,156 |
| Assets per employee ($millions) | 3.8440% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,307 |
| Loan loss allowance to noncurrent loans | 46.4427% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 2,818 |
| Noncurrent loans to loans | 2.1197% | 3,007 |
| Net loans and leases to total assets | 61.4880% | 3,356 |
| Net loans and leases to deposits | 71.3453% | 3,537 |
| Net loans and leases to core deposits | 76.4853% | 3,559 |
| Total domestic deposits to total assets | 86.1837% | 3,421 |
| Equity capital to assets | 9.3748% | 4,996 |
| Core capital (leverage) ratio | 8.9955% | 4,850 |
| Tier 1 risk-based capital ratio | 12.3890% | 5,692 |
| Total risk-based capital ratio | 13.2350% | 5,963 |
| Memoranda: | ||
| Average total assets | $114,301,000 | 4,590 |
| Average earning assets | $104,917,000 | 4,573 |
| Average equity | $10,726,500 | 4,882 |
| Average total loans | $71,940,000 | 4,386 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 3,393 |
| Cost of funding earning assets | 1.1277% | 2,483 |
| Net interest margin | 3.7649% | 4,003 |
| Noninterest income to average assets | 0.7462% | 2,357 |
| Noninterest expense to average assets | 2.7092% | 4,710 |
| Loan and lease loss provision to assets | 0.3565% | 2,868 |
| Net operating income to assets | 0.7240% | 3,366 |
| Return on assets (ROA) | 0.7767% | 3,313 |
| Pretax return on assets | 1.1925% | 2,490 |
| Return on Equity (ROE) | 8.7406% | 2,571 |
| Retained earnings to average equity (ytd only) | 6.1508% | 1,928 |
| Net charge-offs to loans | 0.6882% | 2,432 |
| Credit loss provision to net charge-offs | 83.4694% | 4,304 |
| Earnings coverage of net charge-offs (x) | 3.4367% | 3,521 |
| Efficiency ratio | 64.8581% | 4,972 |
| Assets per employee ($millions) | 3.9063% | 4,059 |
| Cash dividends to net income (ytd only)* | 29.6296% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 5,033 |
| Loan loss allowance to noncurrent loans | 133.7681% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3956% | 3,901 |
| Noncurrent loans to loans | 0.9548% | 4,794 |
| Net loans and leases to total assets | 62.9791% | 3,408 |
| Net loans and leases to deposits | 74.5590% | 3,407 |
| Net loans and leases to core deposits | 81.2454% | 3,294 |
| Total domestic deposits to total assets | 84.4688% | 4,111 |
| Equity capital to assets | 9.3943% | 5,027 |
| Core capital (leverage) ratio | 8.6855% | 5,274 |
| Tier 1 risk-based capital ratio | 12.6987% | 5,308 |
| Total risk-based capital ratio | 13.8615% | 5,351 |
| Memoranda: | ||
| Average total assets | $114,718,600 | 4,531 |
| Average earning assets | $104,545,000 | 4,532 |
| Average equity | $10,193,800 | 4,969 |
| Average total loans | $71,201,800 | 4,443 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 3,587 |
| Cost of funding earning assets | 1.1920% | 2,367 |
| Net interest margin | 3.7021% | 4,320 |
| Noninterest income to average assets | 0.7056% | 2,574 |
| Noninterest expense to average assets | 2.7575% | 4,508 |
| Loan and lease loss provision to assets | 0.2236% | 3,774 |
| Net operating income to assets | 0.6725% | 3,752 |
| Return on assets (ROA) | 0.7415% | 3,591 |
| Pretax return on assets | 1.2038% | 2,618 |
| Return on Equity (ROE) | 8.4639% | 2,843 |
| Retained earnings to average equity (ytd only) | 4.9725% | 3,186 |
| Net charge-offs to loans | 0.6015% | 2,455 |
| Credit loss provision to net charge-offs | 60.3125% | 4,806 |
| Earnings coverage of net charge-offs (x) | 3.5593% | 3,394 |
| Efficiency ratio | 67.6329% | 4,395 |
| Assets per employee ($millions) | 4.0282% | 3,784 |
| Cash dividends to net income (ytd only)* | 41.2500% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 5,356 |
| Loan loss allowance to noncurrent loans | 64.1551% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 3,626 |
| Noncurrent loans to loans | 1.9129% | 3,481 |
| Net loans and leases to total assets | 60.4236% | 4,056 |
| Net loans and leases to deposits | 68.6919% | 4,485 |
| Net loans and leases to core deposits | 74.3853% | 4,395 |
| Total domestic deposits to total assets | 87.9632% | 2,051 |
| Equity capital to assets | 9.0175% | 5,737 |
| Core capital (leverage) ratio | 8.5086% | 5,702 |
| Tier 1 risk-based capital ratio | 12.6251% | 5,393 |
| Total risk-based capital ratio | 13.7516% | 5,483 |
| Memoranda: | ||
| Average total assets | $115,077,750 | 4,554 |
| Average earning assets | $104,803,000 | 4,552 |
| Average equity | $10,081,750 | 5,016 |
| Average total loans | $70,935,500 | 4,496 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 3,696 |
| Cost of funding earning assets | 1.2559% | 2,218 |
| Net interest margin | 3.6265% | 4,623 |
| Noninterest income to average assets | 0.6655% | 2,736 |
| Noninterest expense to average assets | 2.7704% | 4,542 |
| Loan and lease loss provision to assets | 0.1153% | 4,846 |
| Net operating income to assets | 0.7319% | 3,379 |
| Return on assets (ROA) | 0.7389% | 3,462 |
| Pretax return on assets | 1.1092% | 2,815 |
| Return on Equity (ROE) | 8.5188% | 2,710 |
| Retained earnings to average equity (ytd only) | 3.2021% | 4,233 |
| Net charge-offs to loans | 0.2092% | 3,895 |
| Credit loss provision to net charge-offs | 89.1892% | 3,476 |
| Earnings coverage of net charge-offs (x) | 9.3919% | 1,930 |
| Efficiency ratio | 69.5309% | 4,199 |
| Assets per employee ($millions) | 3.9631% | 3,836 |
| Cash dividends to net income (ytd only)* | 62.4113% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 4,602 |
| Loan loss allowance to noncurrent loans | 42.1855% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 2.0996% | 3,105 |
| Noncurrent loans to loans | 3.3050% | 2,162 |
| Net loans and leases to total assets | 61.2918% | 4,025 |
| Net loans and leases to deposits | 69.6701% | 4,478 |
| Net loans and leases to core deposits | 75.7734% | 4,342 |
| Total domestic deposits to total assets | 87.9743% | 2,153 |
| Equity capital to assets | 8.8716% | 5,740 |
| Core capital (leverage) ratio | 8.4127% | 5,689 |
| Tier 1 risk-based capital ratio | 12.5138% | 5,331 |
| Total risk-based capital ratio | 13.7637% | 5,308 |
| Memoranda: | ||
| Average total assets | $114,498,000 | 4,599 |
| Average earning assets | $104,783,000 | 4,590 |
| Average equity | $9,931,000 | 5,063 |
| Average total loans | $70,760,000 | 4,547 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7837% | 4,129 |
| Cost of funding earning assets | 1.3189% | 2,073 |
| Net interest margin | 3.4649% | 5,162 |
| Noninterest income to average assets | 0.6545% | 2,813 |
| Noninterest expense to average assets | 2.7056% | 4,817 |
| Loan and lease loss provision to assets | 0.1155% | 4,564 |
| Net operating income to assets | 0.6627% | 3,691 |
| Return on assets (ROA) | 0.6650% | 3,758 |
| Pretax return on assets | 1.0185% | 3,068 |
| Return on Equity (ROE) | 7.7563% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.7563% | 1,824 |
| Net charge-offs to loans | 0.1874% | 3,375 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 9.7879% | 1,690 |
| Efficiency ratio | 70.5292% | 4,158 |
| Assets per employee ($millions) | 4.4611% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 4,471 |
| Loan loss allowance to noncurrent loans | 70.1607% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.3501% | 4,272 |
| Noncurrent loans to loans | 2.0561% | 3,498 |
| Net loans and leases to total assets | 59.1380% | 4,436 |
| Net loans and leases to deposits | 66.8105% | 4,861 |
| Net loans and leases to core deposits | 71.1848% | 4,906 |
| Total domestic deposits to total assets | 88.5161% | 2,066 |
| Equity capital to assets | 8.5543% | 5,831 |
| Core capital (leverage) ratio | 8.1136% | 6,108 |
| Tier 1 risk-based capital ratio | 12.8379% | 4,955 |
| Total risk-based capital ratio | 14.0854% | 4,929 |
| Memoranda: | ||
| Average total assets | $114,282,500 | 4,639 |
| Average earning assets | $104,939,500 | 4,618 |
| Average equity | $9,798,500 | 5,093 |
| Average total loans | $70,421,000 | 4,609 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 4,497 |
| Cost of funding earning assets | 1.5759% | 2,209 |
| Net interest margin | 3.4364% | 5,487 |
| Noninterest income to average assets | 0.5771% | 3,605 |
| Noninterest expense to average assets | 2.5900% | 5,459 |
| Loan and lease loss provision to assets | 0.1552% | 5,651 |
| Net operating income to assets | 0.6578% | 3,400 |
| Return on assets (ROA) | 0.7438% | 3,150 |
| Pretax return on assets | 1.1149% | 2,529 |
| Return on Equity (ROE) | 8.7904% | 2,379 |
| Retained earnings to average equity (ytd only) | 8.7904% | 754 |
| Net charge-offs to loans | 0.1082% | 5,791 |
| Credit loss provision to net charge-offs | 225.9740% | 1,311 |
| Earnings coverage of net charge-offs (x) | 16.6234% | 1,198 |
| Efficiency ratio | 69.4073% | 4,295 |
| Assets per employee ($millions) | 4.3299% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 4,464 |
| Loan loss allowance to noncurrent loans | 82.4302% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 4,806 |
| Noncurrent loans to loans | 1.7096% | 3,940 |
| Net loans and leases to total assets | 62.3937% | 4,202 |
| Net loans and leases to deposits | 70.9118% | 4,700 |
| Net loans and leases to core deposits | 76.3249% | 4,653 |
| Total domestic deposits to total assets | 87.9878% | 2,256 |
| Equity capital to assets | 8.5941% | 5,732 |
| Core capital (leverage) ratio | 8.1760% | 5,866 |
| Tier 1 risk-based capital ratio | 12.4713% | 5,046 |
| Total risk-based capital ratio | 13.7220% | 5,032 |
| Memoranda: | ||
| Average total assets | $112,121,400 | 4,655 |
| Average earning assets | $102,926,600 | 4,644 |
| Average equity | $9,487,600 | 5,269 |
| Average total loans | $71,144,200 | 4,635 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 4,793 |
| Cost of funding earning assets | 1.5871% | 2,460 |
| Net interest margin | 3.4177% | 5,610 |
| Noninterest income to average assets | 0.5833% | 3,557 |
| Noninterest expense to average assets | 2.5843% | 5,386 |
| Loan and lease loss provision to assets | 0.0964% | 6,059 |
| Net operating income to assets | 0.7008% | 3,408 |
| Return on assets (ROA) | 0.7702% | 3,287 |
| Pretax return on assets | 1.1463% | 2,680 |
| Return on Equity (ROE) | 9.1375% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.1375% | 1,015 |
| Net charge-offs to loans | 0.0731% | 5,787 |
| Credit loss provision to net charge-offs | 207.6923% | 1,704 |
| Earnings coverage of net charge-offs (x) | 24.5379% | 1,023 |
| Efficiency ratio | 69.4054% | 4,187 |
| Assets per employee ($millions) | 4.4639% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,848 |
| Loan loss allowance to noncurrent loans | 79.8822% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0443% | 5,017 |
| Noncurrent loans to loans | 1.6527% | 4,164 |
| Net loans and leases to total assets | 61.1170% | 4,692 |
| Net loans and leases to deposits | 69.6070% | 5,207 |
| Net loans and leases to core deposits | 76.5941% | 4,981 |
| Total domestic deposits to total assets | 87.8030% | 2,089 |
| Equity capital to assets | 8.4507% | 6,335 |
| Core capital (leverage) ratio | 8.0270% | 6,304 |
| Tier 1 risk-based capital ratio | 12.0785% | 5,379 |
| Total risk-based capital ratio | 13.3155% | 5,376 |
| Memoranda: | ||
| Average total assets | $112,007,500 | 4,715 |
| Average earning assets | $102,911,750 | 4,697 |
| Average equity | $9,440,750 | 5,366 |
| Average total loans | $71,119,000 | 4,715 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2224% | 3,836 |
| Cost of funding earning assets | 1.5866% | 2,735 |
| Net interest margin | 3.6358% | 4,657 |
| Noninterest income to average assets | 0.6109% | 3,250 |
| Noninterest expense to average assets | 2.5828% | 5,395 |
| Loan and lease loss provision to assets | 0.0940% | 5,972 |
| Net operating income to assets | 0.7994% | 2,978 |
| Return on assets (ROA) | 0.9001% | 2,667 |
| Pretax return on assets | 1.4297% | 1,751 |
| Return on Equity (ROE) | 10.6886% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.6886% | 714 |
| Net charge-offs to loans | 0.0875% | 5,265 |
| Credit loss provision to net charge-offs | 167.7419% | 2,343 |
| Earnings coverage of net charge-offs (x) | 24.3871% | 1,073 |
| Efficiency ratio | 65.4005% | 5,078 |
| Assets per employee ($millions) | 4.1724% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,990 |
| Loan loss allowance to noncurrent loans | 65.4443% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2800% | 4,588 |
| Noncurrent loans to loans | 1.9700% | 3,765 |
| Net loans and leases to total assets | 63.0719% | 4,450 |
| Net loans and leases to deposits | 71.7164% | 5,037 |
| Net loans and leases to core deposits | 78.8672% | 4,823 |
| Total domestic deposits to total assets | 87.9463% | 2,034 |
| Equity capital to assets | 8.5465% | 6,106 |
| Core capital (leverage) ratio | 8.2401% | 5,873 |
| Tier 1 risk-based capital ratio | 11.9630% | 5,342 |
| Total risk-based capital ratio | 13.1807% | 5,346 |
| Memoranda: | ||
| Average total assets | $110,656,330 | 4,784 |
| Average earning assets | $101,600,670 | 4,759 |
| Average equity | $9,318,330 | 5,407 |
| Average total loans | $70,864,670 | 4,763 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 4,363 |
| Cost of funding earning assets | 1.6021% | 2,946 |
| Net interest margin | 3.5342% | 5,017 |
| Noninterest income to average assets | 0.6019% | 3,267 |
| Noninterest expense to average assets | 2.5607% | 5,515 |
| Loan and lease loss provision to assets | 0.0839% | 5,799 |
| Net operating income to assets | 0.8061% | 2,936 |
| Return on assets (ROA) | 0.8061% | 3,033 |
| Pretax return on assets | 1.2001% | 2,360 |
| Return on Equity (ROE) | 9.6470% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.6470% | 1,222 |
| Net charge-offs to loans | 0.1138% | 4,299 |
| Credit loss provision to net charge-offs | 115.0000% | 3,029 |
| Earnings coverage of net charge-offs (x) | 17.6000% | 1,274 |
| Efficiency ratio | 66.6034% | 4,986 |
| Assets per employee ($millions) | 3.6341% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 4,886 |
| Loan loss allowance to noncurrent loans | 89.9209% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 5,249 |
| Noncurrent loans to loans | 1.4554% | 4,563 |
| Net loans and leases to total assets | 62.9433% | 4,546 |
| Net loans and leases to deposits | 71.9919% | 5,049 |
| Net loans and leases to core deposits | 83.8592% | 4,219 |
| Total domestic deposits to total assets | 87.4310% | 2,394 |
| Equity capital to assets | 8.5148% | 5,983 |
| Core capital (leverage) ratio | 8.1328% | 6,018 |
| Tier 1 risk-based capital ratio | 11.8429% | 5,356 |
| Total risk-based capital ratio | 13.0633% | 5,324 |
| Memoranda: | ||
| Average total assets | $109,657,500 | 4,880 |
| Average earning assets | $100,617,000 | 4,859 |
| Average equity | $9,163,500 | 5,497 |
| Average total loans | $70,306,500 | 4,849 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 3,612 |
| Cost of funding earning assets | 1.8666% | 3,637 |
| Net interest margin | 3.7332% | 3,985 |
| Noninterest income to average assets | 0.5541% | 3,989 |
| Noninterest expense to average assets | 2.6125% | 5,756 |
| Loan and lease loss provision to assets | 0.2621% | 5,307 |
| Net operating income to assets | 0.7310% | 2,809 |
| Return on assets (ROA) | 0.8621% | 2,372 |
| Pretax return on assets | 1.2805% | 1,750 |
| Return on Equity (ROE) | 10.6339% | 1,511 |
| Retained earnings to average equity (ytd only) | 10.6339% | 309 |
| Net charge-offs to loans | 0.3282% | 4,591 |
| Credit loss provision to net charge-offs | 119.6581% | 4,481 |
| Earnings coverage of net charge-offs (x) | 6.1496% | 2,427 |
| Efficiency ratio | 65.9811% | 5,395 |
| Assets per employee ($millions) | 3.8032% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 4,899 |
| Loan loss allowance to noncurrent loans | 92.2686% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 5,319 |
| Noncurrent loans to loans | 1.3829% | 4,608 |
| Net loans and leases to total assets | 63.6251% | 4,674 |
| Net loans and leases to deposits | 73.5862% | 5,106 |
| Net loans and leases to core deposits | 97.8635% | 4,234 |
| Total domestic deposits to total assets | 86.4633% | 2,782 |
| Equity capital to assets | 8.2000% | 6,345 |
| Core capital (leverage) ratio | 8.0108% | 6,174 |
| Tier 1 risk-based capital ratio | 11.3836% | 5,531 |
| Total risk-based capital ratio | 12.5816% | 5,530 |
| Memoranda: | ||
| Average total assets | $106,833,200 | 4,907 |
| Average earning assets | $97,451,200 | 4,908 |
| Average equity | $8,661,000 | 5,713 |
| Average total loans | $71,305,800 | 4,821 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6645% | 3,502 |
| Cost of funding earning assets | 1.9309% | 3,712 |
| Net interest margin | 3.7335% | 3,936 |
| Noninterest income to average assets | 0.5536% | 4,056 |
| Noninterest expense to average assets | 2.6083% | 5,689 |
| Loan and lease loss provision to assets | 0.1686% | 5,671 |
| Net operating income to assets | 0.8053% | 2,790 |
| Return on assets (ROA) | 0.8053% | 2,855 |
| Pretax return on assets | 1.1802% | 2,325 |
| Return on Equity (ROE) | 9.9625% | 1,924 |
| Retained earnings to average equity (ytd only) | 9.9625% | 641 |
| Net charge-offs to loans | 0.3737% | 3,781 |
| Credit loss provision to net charge-offs | 67.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | 5.3600% | 2,846 |
| Efficiency ratio | 65.9141% | 5,382 |
| Assets per employee ($millions) | 4.1293% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,569 |
| Loan loss allowance to noncurrent loans | 59.3284% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 4,567 |
| Noncurrent loans to loans | 1.8944% | 3,779 |
| Net loans and leases to total assets | 65.1456% | 4,616 |
| Net loans and leases to deposits | 76.2283% | 5,000 |
| Net loans and leases to core deposits | 104.6582% | 3,859 |
| Total domestic deposits to total assets | 85.4612% | 2,989 |
| Equity capital to assets | 8.3708% | 6,417 |
| Core capital (leverage) ratio | 7.7254% | 6,697 |
| Tier 1 risk-based capital ratio | 11.2413% | 5,699 |
| Total risk-based capital ratio | 12.3133% | 5,843 |
| Memoranda: | ||
| Average total assets | $105,968,250 | 4,957 |
| Average earning assets | $96,600,000 | 4,966 |
| Average equity | $8,565,250 | 5,795 |
| Average total loans | $71,362,000 | 4,860 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6917% | 3,587 |
| Cost of funding earning assets | 1.9902% | 3,823 |
| Net interest margin | 3.7015% | 3,944 |
| Noninterest income to average assets | 0.5099% | 4,362 |
| Noninterest expense to average assets | 2.5686% | 5,867 |
| Loan and lease loss provision to assets | 0.1990% | 5,063 |
| Net operating income to assets | 0.7355% | 3,112 |
| Return on assets (ROA) | 0.7355% | 3,216 |
| Pretax return on assets | 1.0881% | 2,674 |
| Return on Equity (ROE) | 9.2110% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.2110% | 891 |
| Net charge-offs to loans | 0.3605% | 3,378 |
| Credit loss provision to net charge-offs | 81.3953% | 5,153 |
| Earnings coverage of net charge-offs (x) | 5.2636% | 2,873 |
| Efficiency ratio | 66.6175% | 5,434 |
| Assets per employee ($millions) | 4.2878% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,236 |
| Loan loss allowance to noncurrent loans | 60.0861% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2995% | 4,344 |
| Noncurrent loans to loans | 1.9227% | 3,641 |
| Net loans and leases to total assets | 66.8054% | 4,399 |
| Net loans and leases to deposits | 75.8851% | 5,190 |
| Net loans and leases to core deposits | 103.8773% | 4,078 |
| Total domestic deposits to total assets | 88.0349% | 1,751 |
| Equity capital to assets | 7.9771% | 6,781 |
| Core capital (leverage) ratio | 7.6800% | 6,787 |
| Tier 1 risk-based capital ratio | 10.6619% | 6,224 |
| Total risk-based capital ratio | 11.7656% | 6,310 |
| Memoranda: | ||
| Average total assets | $105,504,000 | 5,000 |
| Average earning assets | $95,366,670 | 5,026 |
| Average equity | $8,424,670 | 5,877 |
| Average total loans | $71,570,670 | 4,901 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7464% | 3,547 |
| Cost of funding earning assets | 2.1517% | 3,406 |
| Net interest margin | 3.5947% | 4,336 |
| Noninterest income to average assets | 0.5389% | 4,000 |
| Noninterest expense to average assets | 2.3276% | 6,442 |
| Loan and lease loss provision to assets | 0.1070% | 5,597 |
| Net operating income to assets | 0.8790% | 2,800 |
| Return on assets (ROA) | 0.8790% | 2,943 |
| Pretax return on assets | 1.3033% | 2,271 |
| Return on Equity (ROE) | 11.0028% | 1,962 |
| Retained earnings to average equity (ytd only) | 11.0028% | 970 |
| Net charge-offs to loans | 0.0900% | 4,269 |
| Credit loss provision to net charge-offs | 175.0000% | 2,462 |
| Earnings coverage of net charge-offs (x) | 23.0625% | 1,291 |
| Efficiency ratio | 62.2699% | 6,004 |
| Assets per employee ($millions) | 3.9538% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 4,559 |
| Loan loss allowance to noncurrent loans | 112.5000% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 5,150 |
| Noncurrent loans to loans | 1.0974% | 4,793 |
| Net loans and leases to total assets | 67.9377% | 4,154 |
| Net loans and leases to deposits | 77.1704% | 5,062 |
| Net loans and leases to core deposits | 107.7761% | 3,715 |
| Total domestic deposits to total assets | 88.0360% | 1,729 |
| Equity capital to assets | 8.2315% | 6,494 |
| Core capital (leverage) ratio | 7.7031% | 6,882 |
| Tier 1 risk-based capital ratio | 9.8114% | 7,131 |
| Total risk-based capital ratio | 10.8931% | 7,229 |
| Memoranda: | ||
| Average total assets | $104,658,500 | 5,051 |
| Average earning assets | $93,136,000 | 5,113 |
| Average equity | $8,361,500 | 5,931 |
| Average total loans | $71,131,500 | 4,939 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2896% | 4,021 |
| Cost of funding earning assets | 2.6622% | 3,356 |
| Net interest margin | 3.6274% | 4,762 |
| Noninterest income to average assets | 0.6661% | 3,365 |
| Noninterest expense to average assets | 2.6464% | 5,462 |
| Loan and lease loss provision to assets | 0.2474% | 4,440 |
| Net operating income to assets | 0.6861% | 3,952 |
| Return on assets (ROA) | 0.6861% | 3,790 |
| Pretax return on assets | 1.0547% | 3,198 |
| Return on Equity (ROE) | 8.7771% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.7019% | 1,667 |
| Net charge-offs to loans | 0.3068% | 3,349 |
| Credit loss provision to net charge-offs | 114.8837% | 4,698 |
| Earnings coverage of net charge-offs (x) | 6.0465% | 3,458 |
| Efficiency ratio | 67.0218% | 4,907 |
| Assets per employee ($millions) | 3.5506% | 4,543 |
| Cash dividends to net income (ytd only)* | 35.0365% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 4,505 |
| Loan loss allowance to noncurrent loans | 295.8763% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 6,484 |
| Noncurrent loans to loans | 0.4067% | 6,125 |
| Net loans and leases to total assets | 66.3641% | 4,780 |
| Net loans and leases to deposits | 78.9336% | 5,206 |
| Net loans and leases to core deposits | 105.9281% | 4,205 |
| Total domestic deposits to total assets | 84.0758% | 3,287 |
| Equity capital to assets | 7.7556% | 7,149 |
| Core capital (leverage) ratio | 7.4497% | 7,261 |
| Tier 1 risk-based capital ratio | 10.7927% | 5,925 |
| Total risk-based capital ratio | 11.9999% | 5,864 |
| Memoranda: | ||
| Average total assets | $99,835,400 | 5,053 |
| Average earning assets | $90,339,000 | 5,069 |
| Average equity | $7,804,400 | 6,172 |
| Average total loans | $70,073,600 | 4,864 |