Home > Fusion Bank > Performance and Condition Ratios
Fusion Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 2,243 |
| Cost of funding earning assets | 1.6174% | 1,644 |
| Net interest margin | 3.2976% | 2,642 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.9608% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3582% | 1,303 |
| Return on assets (ROA) | 1.5069% | 974 |
| Pretax return on assets | 1.5621% | 1,307 |
| Return on Equity (ROE) | 14.3600% | 1,411 |
| Retained earnings to average equity (ytd only) | 11.7271% | 669 |
| Net charge-offs to loans | 0.0065% | 2,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 411.4286% | 344 |
| Efficiency ratio | 58.2185% | 3,275 |
| Assets per employee ($millions) | 9.6443% | 791 |
| Cash dividends to net income (ytd only)* | 18.3204% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 735 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 48.3600% | 3,706 |
| Net loans and leases to deposits | 59.8780% | 3,526 |
| Net loans and leases to core deposits | 61.0239% | 3,728 |
| Total domestic deposits to total assets | 80.7600% | 3,349 |
| Equity capital to assets | 10.7448% | 1,606 |
| Core capital (leverage) ratio | 12.0428% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $204,657,600 | 2,958 |
| Average earning assets | $192,839,200 | 2,925 |
| Average equity | $21,480,200 | 2,734 |
| Average total loans | $108,280,800 | 3,086 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 2,416 |
| Cost of funding earning assets | 1.4978% | 1,613 |
| Net interest margin | 3.2296% | 2,853 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.9331% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3152% | 1,515 |
| Return on assets (ROA) | 1.5198% | 1,073 |
| Pretax return on assets | 1.5744% | 1,412 |
| Return on Equity (ROE) | 14.5800% | 1,529 |
| Retained earnings to average equity (ytd only) | 12.2470% | 930 |
| Net charge-offs to loans | 0.0074% | 2,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 341.5000% | 415 |
| Efficiency ratio | 58.6395% | 3,130 |
| Assets per employee ($millions) | 8.8851% | 967 |
| Cash dividends to net income (ytd only)* | 15.9807% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 703 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 51.3600% | 3,538 |
| Net loans and leases to deposits | 65.4331% | 3,182 |
| Net loans and leases to core deposits | 66.3279% | 3,409 |
| Total domestic deposits to total assets | 78.4900% | 3,764 |
| Equity capital to assets | 10.5418% | 1,540 |
| Core capital (leverage) ratio | 12.0503% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $200,367,250 | 2,993 |
| Average earning assets | $188,627,500 | 2,960 |
| Average equity | $20,891,750 | 2,773 |
| Average total loans | $108,082,250 | 3,088 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 3,048 |
| Cost of funding earning assets | 1.3037% | 1,700 |
| Net interest margin | 3.0225% | 3,371 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.8720% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1636% | 1,938 |
| Return on assets (ROA) | 1.1636% | 1,932 |
| Pretax return on assets | 1.2118% | 2,327 |
| Return on Equity (ROE) | 11.2000% | 2,374 |
| Retained earnings to average equity (ytd only) | 8.7837% | 1,739 |
| Net charge-offs to loans | 0.0111% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 603 |
| Efficiency ratio | 60.7038% | 2,869 |
| Assets per employee ($millions) | 10.1077% | 650 |
| Cash dividends to net income (ytd only)* | 21.5889% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 665 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 50.0300% | 3,560 |
| Net loans and leases to deposits | 63.7635% | 3,206 |
| Net loans and leases to core deposits | 63.9866% | 3,451 |
| Total domestic deposits to total assets | 78.4600% | 3,789 |
| Equity capital to assets | 10.5687% | 1,563 |
| Core capital (leverage) ratio | 13.5337% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $199,037,000 | 3,010 |
| Average earning assets | $187,459,667 | 2,978 |
| Average equity | $20,674,667 | 2,803 |
| Average total loans | $108,521,333 | 3,072 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 2,811 |
| Cost of funding earning assets | 1.2217% | 1,399 |
| Net interest margin | 3.0736% | 3,413 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.9587% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1201% | 2,164 |
| Return on assets (ROA) | 1.1201% | 2,131 |
| Pretax return on assets | 1.1606% | 2,536 |
| Return on Equity (ROE) | 10.8800% | 2,527 |
| Retained earnings to average equity (ytd only) | 7.9294% | 2,240 |
| Net charge-offs to loans | 0.0108% | 1,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 520 |
| Efficiency ratio | 62.7922% | 2,598 |
| Assets per employee ($millions) | 9.8763% | 733 |
| Cash dividends to net income (ytd only)* | 27.1248% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 923 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.0500% | 3,116 |
| Net loans and leases to deposits | 70.2221% | 2,589 |
| Net loans and leases to core deposits | 70.9386% | 2,885 |
| Total domestic deposits to total assets | 78.4000% | 3,954 |
| Equity capital to assets | 10.6168% | 1,504 |
| Core capital (leverage) ratio | 12.8945% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $197,479,000 | 3,056 |
| Average earning assets | $185,971,000 | 3,022 |
| Average equity | $20,329,500 | 2,857 |
| Average total loans | $111,308,500 | 3,087 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 3,049 |
| Cost of funding earning assets | 0.5102% | 1,316 |
| Net interest margin | 2.9995% | 3,454 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.9627% | 3,679 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9956% | 2,580 |
| Return on assets (ROA) | 1.0668% | 2,256 |
| Pretax return on assets | 1.1124% | 2,726 |
| Return on Equity (ROE) | 10.3400% | 2,700 |
| Retained earnings to average equity (ytd only) | 5.3613% | 2,892 |
| Net charge-offs to loans | 0.0065% | 2,171 |
| Credit loss provision to net charge-offs | 1,642.8571% | 301 |
| Earnings coverage of net charge-offs (x) | 312.2857% | 474 |
| Efficiency ratio | 64.1698% | 2,470 |
| Assets per employee ($millions) | 9.8716% | 704 |
| Cash dividends to net income (ytd only)* | 48.1673% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 933 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.8400% | 3,045 |
| Net loans and leases to deposits | 70.9014% | 2,500 |
| Net loans and leases to core deposits | 72.0195% | 2,725 |
| Total domestic deposits to total assets | 78.7500% | 4,024 |
| Equity capital to assets | 9.9720% | 1,719 |
| Core capital (leverage) ratio | 12.6621% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $199,472,200 | 3,047 |
| Average earning assets | $187,962,000 | 3,013 |
| Average equity | $20,573,200 | 2,901 |
| Average total loans | $107,922,800 | 3,047 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 3,035 |
| Cost of funding earning assets | 0.3572% | 1,646 |
| Net interest margin | 2.9972% | 3,226 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.9335% | 3,662 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0347% | 2,341 |
| Return on assets (ROA) | 1.1294% | 1,942 |
| Pretax return on assets | 1.1774% | 2,463 |
| Return on Equity (ROE) | 10.8600% | 2,439 |
| Retained earnings to average equity (ytd only) | 5.5718% | 2,900 |
| Net charge-offs to loans | 0.0025% | 2,172 |
| Credit loss provision to net charge-offs | 3,750.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 846.5000% | 190 |
| Efficiency ratio | 63.1396% | 2,666 |
| Assets per employee ($millions) | 9.9978% | 658 |
| Cash dividends to net income (ytd only)* | 48.7013% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 1,053 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.6300% | 3,038 |
| Net loans and leases to deposits | 68.8913% | 2,462 |
| Net loans and leases to core deposits | 69.9962% | 2,644 |
| Total domestic deposits to total assets | 79.3000% | 4,159 |
| Equity capital to assets | 9.2480% | 2,040 |
| Core capital (leverage) ratio | 12.4439% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $199,982,250 | 3,067 |
| Average earning assets | $188,480,250 | 3,028 |
| Average equity | $20,794,500 | 2,923 |
| Average total loans | $106,888,500 | 3,072 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2068% | 3,021 |
| Cost of funding earning assets | 0.2546% | 2,199 |
| Net interest margin | 2.9522% | 3,027 |
| Noninterest income to average assets | 0.2600% | 3,617 |
| Noninterest expense to average assets | 1.9831% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0190% | 2,091 |
| Return on assets (ROA) | 1.1611% | 1,543 |
| Pretax return on assets | 1.2081% | 2,049 |
| Return on Equity (ROE) | 10.7689% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.8993% | 2,362 |
| Net charge-offs to loans | 0.0038% | 1,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 530.0000% | 245 |
| Efficiency ratio | 65.1660% | 2,623 |
| Assets per employee ($millions) | 9.2123% | 827 |
| Cash dividends to net income (ytd only)* | 45.2196% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 1,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 52.5117% | 3,109 |
| Net loans and leases to deposits | 66.8387% | 2,480 |
| Net loans and leases to core deposits | 67.6472% | 2,685 |
| Total domestic deposits to total assets | 78.5648% | 4,323 |
| Equity capital to assets | 9.8924% | 1,772 |
| Core capital (leverage) ratio | 12.0661% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,991,000 | 3,098 |
| Average earning assets | $188,539,000 | 3,073 |
| Average equity | $21,562,000 | 2,938 |
| Average total loans | $105,510,000 | 3,120 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1202% | 2,913 |
| Cost of funding earning assets | 0.2326% | 2,353 |
| Net interest margin | 2.8876% | 2,882 |
| Noninterest income to average assets | 0.2336% | 3,746 |
| Noninterest expense to average assets | 1.9230% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9907% | 1,913 |
| Return on assets (ROA) | 0.9907% | 1,909 |
| Pretax return on assets | 1.0350% | 2,338 |
| Return on Equity (ROE) | 8.8178% | 2,384 |
| Retained earnings to average equity (ytd only) | 2.9930% | 3,266 |
| Net charge-offs to loans | 0.0115% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 171.3333% | 481 |
| Efficiency ratio | 65.0102% | 2,906 |
| Assets per employee ($millions) | 9.1895% | 859 |
| Cash dividends to net income (ytd only)* | 66.0569% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 1,076 |
| Loan loss allowance to noncurrent loans | 8,984.2105% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,979 |
| Noncurrent loans to loans | 0.0188% | 3,860 |
| Net loans and leases to total assets | 49.2447% | 3,252 |
| Net loans and leases to deposits | 62.8872% | 2,636 |
| Net loans and leases to core deposits | 63.5305% | 2,832 |
| Total domestic deposits to total assets | 78.3064% | 4,387 |
| Equity capital to assets | 10.3334% | 1,673 |
| Core capital (leverage) ratio | 11.8653% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,651,000 | 3,112 |
| Average earning assets | $187,421,000 | 3,095 |
| Average equity | $22,318,500 | 2,954 |
| Average total loans | $104,198,000 | 3,136 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 3,106 |
| Cost of funding earning assets | 0.3048% | 2,362 |
| Net interest margin | 3.0280% | 3,118 |
| Noninterest income to average assets | 0.2251% | 4,029 |
| Noninterest expense to average assets | 1.9644% | 3,785 |
| Loan and lease loss provision to assets | -0.0516% | 4,360 |
| Net operating income to assets | 1.1007% | 2,295 |
| Return on assets (ROA) | 1.1022% | 2,350 |
| Pretax return on assets | 1.1451% | 2,831 |
| Return on Equity (ROE) | 8.9644% | 2,923 |
| Retained earnings to average equity (ytd only) | 3.1911% | 3,553 |
| Net charge-offs to loans | 0.0172% | 1,938 |
| Credit loss provision to net charge-offs | -588.2353% | 3,789 |
| Earnings coverage of net charge-offs (x) | 124.4118% | 759 |
| Efficiency ratio | 64.2736% | 2,519 |
| Assets per employee ($millions) | 8.8696% | 961 |
| Cash dividends to net income (ytd only)* | 64.4028% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 1,265 |
| Loan loss allowance to noncurrent loans | 34,220.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,167 |
| Noncurrent loans to loans | 0.0047% | 4,084 |
| Net loans and leases to total assets | 54.0250% | 2,852 |
| Net loans and leases to deposits | 71.1355% | 2,004 |
| Net loans and leases to core deposits | 72.2411% | 2,240 |
| Total domestic deposits to total assets | 75.9465% | 4,512 |
| Equity capital to assets | 12.1692% | 1,185 |
| Core capital (leverage) ratio | 12.1854% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,702,600 | 3,106 |
| Average earning assets | $181,110,400 | 3,086 |
| Average equity | $23,816,400 | 2,925 |
| Average total loans | $98,653,800 | 3,213 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3523% | 3,239 |
| Cost of funding earning assets | 0.3298% | 2,302 |
| Net interest margin | 3.0225% | 3,253 |
| Noninterest income to average assets | 0.2262% | 4,050 |
| Noninterest expense to average assets | 2.0226% | 3,604 |
| Loan and lease loss provision to assets | -0.0688% | 4,520 |
| Net operating income to assets | 1.0555% | 2,711 |
| Return on assets (ROA) | 1.1371% | 2,476 |
| Pretax return on assets | 1.1758% | 3,002 |
| Return on Equity (ROE) | 9.2247% | 3,033 |
| Retained earnings to average equity (ytd only) | 3.7704% | 3,652 |
| Net charge-offs to loans | 0.0249% | 1,545 |
| Credit loss provision to net charge-offs | -555.5556% | 3,680 |
| Earnings coverage of net charge-offs (x) | 82.3889% | 968 |
| Efficiency ratio | 66.4176% | 2,044 |
| Assets per employee ($millions) | 8.9892% | 895 |
| Cash dividends to net income (ytd only)* | 59.1267% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 1,196 |
| Loan loss allowance to noncurrent loans | 419.1176% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 2,752 |
| Noncurrent loans to loans | 0.3961% | 2,374 |
| Net loans and leases to total assets | 51.2169% | 3,281 |
| Net loans and leases to deposits | 67.9548% | 2,437 |
| Net loans and leases to core deposits | 68.6126% | 2,722 |
| Total domestic deposits to total assets | 75.3690% | 4,582 |
| Equity capital to assets | 12.1620% | 1,325 |
| Core capital (leverage) ratio | 12.0417% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,345,250 | 3,150 |
| Average earning assets | $180,329,000 | 3,130 |
| Average equity | $23,834,000 | 2,955 |
| Average total loans | $96,534,500 | 3,285 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2702% | 3,507 |
| Cost of funding earning assets | 0.3463% | 2,343 |
| Net interest margin | 2.9239% | 3,519 |
| Noninterest income to average assets | 0.2283% | 4,032 |
| Noninterest expense to average assets | 2.0743% | 3,466 |
| Loan and lease loss provision to assets | -0.1042% | 4,632 |
| Net operating income to assets | 0.9534% | 3,052 |
| Return on assets (ROA) | 1.0768% | 2,690 |
| Pretax return on assets | 1.1049% | 3,199 |
| Return on Equity (ROE) | 8.6948% | 3,193 |
| Retained earnings to average equity (ytd only) | 3.2237% | 3,769 |
| Net charge-offs to loans | 0.0466% | 1,168 |
| Credit loss provision to net charge-offs | -454.5455% | 3,441 |
| Earnings coverage of net charge-offs (x) | 38.0909% | 1,188 |
| Efficiency ratio | 70.3678% | 1,591 |
| Assets per employee ($millions) | 8.8392% | 904 |
| Cash dividends to net income (ytd only)* | 62.9235% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 1,043 |
| Loan loss allowance to noncurrent loans | 385.9729% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 2,791 |
| Noncurrent loans to loans | 0.4418% | 2,346 |
| Net loans and leases to total assets | 50.5662% | 3,500 |
| Net loans and leases to deposits | 65.7660% | 2,843 |
| Net loans and leases to core deposits | 67.5645% | 2,992 |
| Total domestic deposits to total assets | 76.8880% | 4,520 |
| Equity capital to assets | 12.2281% | 1,260 |
| Core capital (leverage) ratio | 11.9990% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,872,667 | 3,162 |
| Average earning assets | $178,460,333 | 3,148 |
| Average equity | $23,761,333 | 2,954 |
| Average total loans | $94,380,000 | 3,331 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1272% | 3,835 |
| Cost of funding earning assets | 0.3656% | 2,398 |
| Net interest margin | 2.7615% | 3,846 |
| Noninterest income to average assets | 0.2267% | 4,025 |
| Noninterest expense to average assets | 1.9268% | 3,923 |
| Loan and lease loss provision to assets | -0.2099% | 4,815 |
| Net operating income to assets | 1.0326% | 2,704 |
| Return on assets (ROA) | 1.0326% | 2,783 |
| Pretax return on assets | 1.0620% | 3,210 |
| Return on Equity (ROE) | 8.2854% | 3,245 |
| Retained earnings to average equity (ytd only) | 2.8123% | 3,837 |
| Net charge-offs to loans | -0.0087% | 3,623 |
| Credit loss provision to net charge-offs | 5,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3353% | 1,780 |
| Assets per employee ($millions) | 8.1375% | 1,136 |
| Cash dividends to net income (ytd only)* | 66.0569% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 783 |
| Loan loss allowance to noncurrent loans | 4,023.2558% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 4,212 |
| Noncurrent loans to loans | 0.0463% | 4,055 |
| Net loans and leases to total assets | 46.6905% | 3,909 |
| Net loans and leases to deposits | 60.1057% | 3,473 |
| Net loans and leases to core deposits | 61.7213% | 3,596 |
| Total domestic deposits to total assets | 77.6806% | 4,463 |
| Equity capital to assets | 12.0327% | 1,267 |
| Core capital (leverage) ratio | 12.0848% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,578,000 | 3,161 |
| Average earning assets | $176,134,000 | 3,154 |
| Average equity | $23,752,500 | 2,945 |
| Average total loans | $91,551,000 | 3,387 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 3,303 |
| Cost of funding earning assets | 0.5148% | 2,851 |
| Net interest margin | 3.2849% | 3,106 |
| Noninterest income to average assets | 0.2801% | 3,804 |
| Noninterest expense to average assets | 1.9735% | 4,192 |
| Loan and lease loss provision to assets | 0.0620% | 3,596 |
| Net operating income to assets | 1.2854% | 1,288 |
| Return on assets (ROA) | 1.3291% | 1,276 |
| Pretax return on assets | 1.3883% | 1,690 |
| Return on Equity (ROE) | 10.1079% | 1,963 |
| Retained earnings to average equity (ytd only) | 4.5886% | 2,487 |
| Net charge-offs to loans | 0.0141% | 2,844 |
| Credit loss provision to net charge-offs | 838.4615% | 868 |
| Earnings coverage of net charge-offs (x) | 189.8462% | 489 |
| Efficiency ratio | 58.4162% | 3,666 |
| Assets per employee ($millions) | 8.0807% | 1,015 |
| Cash dividends to net income (ytd only)* | 54.6039% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 551 |
| Loan loss allowance to noncurrent loans | 2,202.4096% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 4,126 |
| Noncurrent loans to loans | 0.0920% | 3,923 |
| Net loans and leases to total assets | 47.5408% | 4,006 |
| Net loans and leases to deposits | 62.2983% | 3,584 |
| Net loans and leases to core deposits | 64.4419% | 3,662 |
| Total domestic deposits to total assets | 76.3116% | 4,489 |
| Equity capital to assets | 12.9160% | 1,123 |
| Core capital (leverage) ratio | 12.6730% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,680,600 | 3,145 |
| Average earning assets | $165,697,800 | 3,115 |
| Average equity | $23,100,800 | 2,930 |
| Average total loans | $92,373,400 | 3,364 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 2,965 |
| Cost of funding earning assets | 0.5459% | 2,959 |
| Net interest margin | 3.4572% | 2,734 |
| Noninterest income to average assets | 0.2772% | 3,820 |
| Noninterest expense to average assets | 1.9845% | 4,185 |
| Loan and lease loss provision to assets | 0.0837% | 3,266 |
| Net operating income to assets | 1.4420% | 1,008 |
| Return on assets (ROA) | 1.5063% | 974 |
| Pretax return on assets | 1.5725% | 1,264 |
| Return on Equity (ROE) | 11.4009% | 1,559 |
| Retained earnings to average equity (ytd only) | 5.8695% | 2,161 |
| Net charge-offs to loans | -0.0043% | 4,020 |
| Credit loss provision to net charge-offs | -3,633.3333% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5268% | 3,981 |
| Assets per employee ($millions) | 7.4760% | 1,230 |
| Cash dividends to net income (ytd only)* | 48.5174% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 538 |
| Loan loss allowance to noncurrent loans | 125.1018% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.8215% | 1,402 |
| Noncurrent loans to loans | 1.5582% | 910 |
| Net loans and leases to total assets | 51.6935% | 3,986 |
| Net loans and leases to deposits | 70.6963% | 3,248 |
| Net loans and leases to core deposits | 73.7024% | 3,341 |
| Total domestic deposits to total assets | 73.1205% | 4,626 |
| Equity capital to assets | 13.3210% | 1,062 |
| Core capital (leverage) ratio | 12.7349% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,137,000 | 3,151 |
| Average earning assets | $165,101,250 | 3,102 |
| Average equity | $22,874,750 | 2,947 |
| Average total loans | $92,920,500 | 3,370 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 2,900 |
| Cost of funding earning assets | 0.5892% | 3,022 |
| Net interest margin | 3.5636% | 2,599 |
| Noninterest income to average assets | 0.2982% | 3,683 |
| Noninterest expense to average assets | 2.0323% | 4,163 |
| Loan and lease loss provision to assets | 0.1275% | 2,749 |
| Net operating income to assets | 1.4768% | 963 |
| Return on assets (ROA) | 1.4768% | 1,050 |
| Pretax return on assets | 1.5400% | 1,367 |
| Return on Equity (ROE) | 11.2104% | 1,569 |
| Retained earnings to average equity (ytd only) | 5.6629% | 2,206 |
| Net charge-offs to loans | 0.0043% | 2,823 |
| Credit loss provision to net charge-offs | 5,450.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 713.0000% | 139 |
| Efficiency ratio | 54.9305% | 4,070 |
| Assets per employee ($millions) | 7.8388% | 1,028 |
| Cash dividends to net income (ytd only)* | 49.4854% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 497 |
| Loan loss allowance to noncurrent loans | 112.4771% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9069% | 1,352 |
| Noncurrent loans to loans | 1.7159% | 838 |
| Net loans and leases to total assets | 51.8320% | 4,038 |
| Net loans and leases to deposits | 71.4994% | 3,304 |
| Net loans and leases to core deposits | 74.6905% | 3,401 |
| Total domestic deposits to total assets | 72.4930% | 4,685 |
| Equity capital to assets | 13.0061% | 1,161 |
| Core capital (leverage) ratio | 12.7053% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,041,667 | 3,151 |
| Average earning assets | $163,261,333 | 3,105 |
| Average equity | $22,532,667 | 2,960 |
| Average total loans | $92,362,667 | 3,365 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 3,590 |
| Cost of funding earning assets | 0.6156% | 3,359 |
| Net interest margin | 3.4598% | 3,126 |
| Noninterest income to average assets | 0.3413% | 3,474 |
| Noninterest expense to average assets | 2.0647% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5239% | 737 |
| Return on assets (ROA) | 1.5239% | 806 |
| Pretax return on assets | 1.5864% | 1,092 |
| Return on Equity (ROE) | 11.4884% | 1,266 |
| Retained earnings to average equity (ytd only) | 6.0522% | 1,848 |
| Net charge-offs to loans | 0.0088% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 330.0000% | 209 |
| Efficiency ratio | 56.5504% | 4,153 |
| Assets per employee ($millions) | 7.5890% | 867 |
| Cash dividends to net income (ytd only)* | 47.3186% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 661 |
| Loan loss allowance to noncurrent loans | 120.8799% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 1,558 |
| Noncurrent loans to loans | 1.5308% | 1,038 |
| Net loans and leases to total assets | 54.9917% | 3,908 |
| Net loans and leases to deposits | 73.8047% | 3,290 |
| Net loans and leases to core deposits | 77.2681% | 3,402 |
| Total domestic deposits to total assets | 74.5098% | 4,620 |
| Equity capital to assets | 13.1249% | 1,371 |
| Core capital (leverage) ratio | 13.6169% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,416,500 | 3,165 |
| Average earning assets | $159,201,000 | 3,117 |
| Average equity | $22,074,500 | 2,992 |
| Average total loans | $90,900,000 | 3,376 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 3,746 |
| Cost of funding earning assets | 0.7627% | 2,857 |
| Net interest margin | 3.4634% | 3,554 |
| Noninterest income to average assets | 0.4106% | 3,228 |
| Noninterest expense to average assets | 2.2000% | 4,158 |
| Loan and lease loss provision to assets | 0.0494% | 3,032 |
| Net operating income to assets | 1.4615% | 1,153 |
| Return on assets (ROA) | 2.1660% | 249 |
| Pretax return on assets | 2.2321% | 363 |
| Return on Equity (ROE) | 16.3615% | 497 |
| Retained earnings to average equity (ytd only) | 10.3035% | 440 |
| Net charge-offs to loans | 0.1779% | 1,133 |
| Credit loss provision to net charge-offs | 49.3590% | 3,135 |
| Earnings coverage of net charge-offs (x) | 15.5385% | 2,225 |
| Efficiency ratio | 58.5853% | 3,901 |
| Assets per employee ($millions) | 7.5398% | 849 |
| Cash dividends to net income (ytd only)* | 37.0261% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9625% | 483 |
| Loan loss allowance to noncurrent loans | 109.9683% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 1,337 |
| Noncurrent loans to loans | 1.7846% | 757 |
| Net loans and leases to total assets | 52.1622% | 4,218 |
| Net loans and leases to deposits | 69.3246% | 3,724 |
| Net loans and leases to core deposits | 73.7995% | 3,736 |
| Total domestic deposits to total assets | 75.2434% | 4,682 |
| Equity capital to assets | 13.4053% | 1,328 |
| Core capital (leverage) ratio | 13.9390% | 943 |
| Tier 1 risk-based capital ratio | 21.0201% | 1,162 |
| Total risk-based capital ratio | 22.2743% | 1,134 |
| Memoranda: | ||
| Average total assets | $155,862,200 | 3,234 |
| Average earning assets | $150,517,000 | 3,169 |
| Average equity | $20,633,800 | 3,077 |
| Average total loans | $87,713,200 | 3,454 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 3,803 |
| Cost of funding earning assets | 0.7710% | 2,862 |
| Net interest margin | 3.4818% | 3,623 |
| Noninterest income to average assets | 0.4251% | 3,176 |
| Noninterest expense to average assets | 2.2361% | 4,105 |
| Loan and lease loss provision to assets | 0.0669% | 2,547 |
| Net operating income to assets | 1.4215% | 1,408 |
| Return on assets (ROA) | 1.4215% | 1,465 |
| Pretax return on assets | 1.4867% | 1,997 |
| Return on Equity (ROE) | 10.7741% | 2,111 |
| Retained earnings to average equity (ytd only) | 4.5139% | 3,136 |
| Net charge-offs to loans | 0.2345% | 760 |
| Credit loss provision to net charge-offs | 50.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 11.6038% | 2,431 |
| Efficiency ratio | 59.0044% | 3,802 |
| Assets per employee ($millions) | 6.7081% | 1,153 |
| Cash dividends to net income (ytd only)* | 58.1041% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 560 |
| Loan loss allowance to noncurrent loans | 107.6350% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 1,274 |
| Noncurrent loans to loans | 1.7654% | 814 |
| Net loans and leases to total assets | 58.0208% | 3,880 |
| Net loans and leases to deposits | 79.3550% | 2,967 |
| Net loans and leases to core deposits | 84.9655% | 2,999 |
| Total domestic deposits to total assets | 73.1155% | 4,860 |
| Equity capital to assets | 13.4678% | 1,378 |
| Core capital (leverage) ratio | 13.3738% | 1,185 |
| Tier 1 risk-based capital ratio | 19.5907% | 1,440 |
| Total risk-based capital ratio | 20.8451% | 1,410 |
| Memoranda: | ||
| Average total assets | $153,359,000 | 3,290 |
| Average earning assets | $148,193,750 | 3,226 |
| Average equity | $20,233,250 | 3,132 |
| Average total loans | $87,577,500 | 3,500 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 3,846 |
| Cost of funding earning assets | 0.7534% | 2,877 |
| Net interest margin | 3.4763% | 3,668 |
| Noninterest income to average assets | 0.4038% | 3,257 |
| Noninterest expense to average assets | 2.2333% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4623% | 1,257 |
| Return on assets (ROA) | 1.4623% | 1,311 |
| Pretax return on assets | 1.5289% | 1,764 |
| Return on Equity (ROE) | 11.1614% | 1,915 |
| Retained earnings to average equity (ytd only) | 4.6780% | 2,935 |
| Net charge-offs to loans | 0.0046% | 2,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 585.0000% | 131 |
| Efficiency ratio | 59.3609% | 3,818 |
| Assets per employee ($millions) | 6.7976% | 1,092 |
| Cash dividends to net income (ytd only)* | 58.0876% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0956% | 397 |
| Loan loss allowance to noncurrent loans | 87.8582% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 950 |
| Noncurrent loans to loans | 2.3852% | 523 |
| Net loans and leases to total assets | 54.0567% | 4,203 |
| Net loans and leases to deposits | 73.3994% | 3,563 |
| Net loans and leases to core deposits | 77.7564% | 3,599 |
| Total domestic deposits to total assets | 73.6474% | 4,858 |
| Equity capital to assets | 13.1299% | 1,528 |
| Core capital (leverage) ratio | 13.3864% | 1,156 |
| Tier 1 risk-based capital ratio | 20.0650% | 1,341 |
| Total risk-based capital ratio | 21.3211% | 1,307 |
| Memoranda: | ||
| Average total assets | $153,050,000 | 3,315 |
| Average earning assets | $147,859,330 | 3,244 |
| Average equity | $20,051,330 | 3,144 |
| Average total loans | $86,352,670 | 3,545 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 4,022 |
| Cost of funding earning assets | 0.7325% | 2,872 |
| Net interest margin | 3.4108% | 3,861 |
| Noninterest income to average assets | 0.4016% | 3,168 |
| Noninterest expense to average assets | 2.2721% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3633% | 1,478 |
| Return on assets (ROA) | 1.3633% | 1,521 |
| Pretax return on assets | 1.4267% | 1,998 |
| Return on Equity (ROE) | 10.4174% | 2,187 |
| Retained earnings to average equity (ytd only) | 3.3513% | 3,578 |
| Net charge-offs to loans | 0.0093% | 2,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 295 |
| Efficiency ratio | 61.4286% | 3,620 |
| Assets per employee ($millions) | 6.5627% | 1,205 |
| Cash dividends to net income (ytd only)* | 67.8295% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1147% | 411 |
| Loan loss allowance to noncurrent loans | 65.7818% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.8219% | 573 |
| Noncurrent loans to loans | 3.2147% | 313 |
| Net loans and leases to total assets | 55.4752% | 4,101 |
| Net loans and leases to deposits | 73.5669% | 3,482 |
| Net loans and leases to core deposits | 78.1695% | 3,503 |
| Total domestic deposits to total assets | 75.4079% | 4,825 |
| Equity capital to assets | 13.2772% | 1,302 |
| Core capital (leverage) ratio | 13.2704% | 1,158 |
| Tier 1 risk-based capital ratio | 20.0999% | 1,328 |
| Total risk-based capital ratio | 21.3561% | 1,289 |
| Memoranda: | ||
| Average total assets | $151,402,500 | 3,371 |
| Average earning assets | $146,357,000 | 3,301 |
| Average equity | $19,813,000 | 3,179 |
| Average total loans | $86,367,000 | 3,572 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 4,392 |
| Cost of funding earning assets | 0.5958% | 2,753 |
| Net interest margin | 3.2540% | 4,368 |
| Noninterest income to average assets | 0.4234% | 3,286 |
| Noninterest expense to average assets | 2.0167% | 4,722 |
| Loan and lease loss provision to assets | 0.1704% | 1,175 |
| Net operating income to assets | 1.3226% | 1,707 |
| Return on assets (ROA) | 1.3226% | 1,700 |
| Pretax return on assets | 1.3790% | 2,208 |
| Return on Equity (ROE) | 10.5505% | 2,264 |
| Retained earnings to average equity (ytd only) | 4.7995% | 2,893 |
| Net charge-offs to loans | 0.0060% | 3,488 |
| Credit loss provision to net charge-offs | 5,200.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 472.8000% | 220 |
| Efficiency ratio | 56.5521% | 4,336 |
| Assets per employee ($millions) | 6.9028% | 1,015 |
| Cash dividends to net income (ytd only)* | 54.5094% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0771% | 413 |
| Loan loss allowance to noncurrent loans | 538.9881% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 3,720 |
| Noncurrent loans to loans | 0.3854% | 3,156 |
| Net loans and leases to total assets | 56.2208% | 4,120 |
| Net loans and leases to deposits | 73.9870% | 3,503 |
| Net loans and leases to core deposits | 78.7322% | 3,524 |
| Total domestic deposits to total assets | 75.9874% | 4,754 |
| Equity capital to assets | 12.8966% | 1,395 |
| Core capital (leverage) ratio | 13.3915% | 1,112 |
| Tier 1 risk-based capital ratio | 19.4378% | 1,419 |
| Total risk-based capital ratio | 20.6940% | 1,383 |
| Memoranda: | ||
| Average total assets | $152,573,600 | 3,355 |
| Average earning assets | $147,359,200 | 3,280 |
| Average equity | $19,127,000 | 3,170 |
| Average total loans | $83,087,600 | 3,611 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,424 |
| Cost of funding earning assets | 0.5636% | 2,752 |
| Net interest margin | 3.2441% | 4,418 |
| Noninterest income to average assets | 0.3884% | 3,547 |
| Noninterest expense to average assets | 1.9971% | 4,748 |
| Loan and lease loss provision to assets | 0.0218% | 3,581 |
| Net operating income to assets | 1.4446% | 1,347 |
| Return on assets (ROA) | 1.4446% | 1,349 |
| Pretax return on assets | 1.5048% | 1,883 |
| Return on Equity (ROE) | 11.6061% | 1,952 |
| Retained earnings to average equity (ytd only) | 5.9959% | 2,661 |
| Net charge-offs to loans | 0.0081% | 3,124 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 349.6162% | 268 |
| Efficiency ratio | 56.6757% | 4,289 |
| Assets per employee ($millions) | 7.5778% | 743 |
| Cash dividends to net income (ytd only)* | 48.3384% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 596 |
| Loan loss allowance to noncurrent loans | 441.4566% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 3,778 |
| Noncurrent loans to loans | 0.4302% | 3,114 |
| Net loans and leases to total assets | 53.7181% | 4,379 |
| Net loans and leases to deposits | 74.1014% | 3,582 |
| Net loans and leases to core deposits | 77.2449% | 3,715 |
| Total domestic deposits to total assets | 72.4927% | 5,095 |
| Equity capital to assets | 12.7029% | 1,469 |
| Core capital (leverage) ratio | 13.1865% | 1,215 |
| Tier 1 risk-based capital ratio | 20.4173% | 1,264 |
| Total risk-based capital ratio | 21.6710% | 1,233 |
| Memoranda: | ||
| Average total assets | $152,751,500 | 3,384 |
| Average earning assets | $147,629,750 | 3,304 |
| Average equity | $19,012,500 | 3,200 |
| Average total loans | $82,062,250 | 3,652 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 4,475 |
| Cost of funding earning assets | 0.5080% | 2,954 |
| Net interest margin | 3.2384% | 4,417 |
| Noninterest income to average assets | 0.3983% | 3,502 |
| Noninterest expense to average assets | 2.0059% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4639% | 1,245 |
| Return on assets (ROA) | 1.4639% | 1,246 |
| Pretax return on assets | 1.5227% | 1,735 |
| Return on Equity (ROE) | 11.8420% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.5601% | 2,278 |
| Net charge-offs to loans | 0.0147% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 194.3333% | 426 |
| Efficiency ratio | 56.8468% | 4,380 |
| Assets per employee ($millions) | 7.3095% | 827 |
| Cash dividends to net income (ytd only)* | 44.6030% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8783% | 658 |
| Loan loss allowance to noncurrent loans | 5,344.8276% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 4,922 |
| Noncurrent loans to loans | 0.0351% | 4,754 |
| Net loans and leases to total assets | 52.7495% | 4,427 |
| Net loans and leases to deposits | 69.2880% | 3,917 |
| Net loans and leases to core deposits | 70.3280% | 4,124 |
| Total domestic deposits to total assets | 76.1308% | 4,841 |
| Equity capital to assets | 12.5128% | 1,526 |
| Core capital (leverage) ratio | 12.7956% | 1,314 |
| Tier 1 risk-based capital ratio | 20.3177% | 1,270 |
| Total risk-based capital ratio | 21.5719% | 1,243 |
| Memoranda: | ||
| Average total assets | $153,150,000 | 3,396 |
| Average earning assets | $148,034,670 | 3,314 |
| Average equity | $18,932,670 | 3,229 |
| Average total loans | $81,753,330 | 3,679 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 4,542 |
| Cost of funding earning assets | 0.4702% | 3,040 |
| Net interest margin | 3.1996% | 4,460 |
| Noninterest income to average assets | 0.3765% | 3,617 |
| Noninterest expense to average assets | 2.0552% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3492% | 1,483 |
| Return on assets (ROA) | 1.3492% | 1,496 |
| Pretax return on assets | 1.4172% | 1,950 |
| Return on Equity (ROE) | 10.9814% | 1,979 |
| Retained earnings to average equity (ytd only) | 5.6609% | 2,864 |
| Net charge-offs to loans | 0.0049% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 542.0000% | 119 |
| Efficiency ratio | 59.1867% | 4,184 |
| Assets per employee ($millions) | 7.7567% | 694 |
| Cash dividends to net income (ytd only)* | 48.4496% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 663 |
| Loan loss allowance to noncurrent loans | 1,851.1905% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 4,828 |
| Noncurrent loans to loans | 0.1023% | 4,511 |
| Net loans and leases to total assets | 51.9164% | 4,442 |
| Net loans and leases to deposits | 67.8226% | 3,958 |
| Net loans and leases to core deposits | 68.9407% | 4,156 |
| Total domestic deposits to total assets | 76.5474% | 4,914 |
| Equity capital to assets | 12.1443% | 1,687 |
| Core capital (leverage) ratio | 12.5272% | 1,378 |
| Tier 1 risk-based capital ratio | 20.0017% | 1,345 |
| Total risk-based capital ratio | 21.2560% | 1,314 |
| Memoranda: | ||
| Average total assets | $152,975,500 | 3,432 |
| Average earning assets | $148,019,000 | 3,363 |
| Average equity | $18,795,500 | 3,273 |
| Average total loans | $81,370,000 | 3,726 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 4,595 |
| Cost of funding earning assets | 0.3827% | 3,408 |
| Net interest margin | 3.2070% | 4,431 |
| Noninterest income to average assets | 0.4049% | 3,609 |
| Noninterest expense to average assets | 2.0819% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3772% | 1,065 |
| Return on assets (ROA) | 1.3772% | 1,083 |
| Pretax return on assets | 1.4280% | 1,897 |
| Return on Equity (ROE) | 10.8945% | 1,528 |
| Retained earnings to average equity (ytd only) | 5.4608% | 1,841 |
| Net charge-offs to loans | 0.0210% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 130.0625% | 522 |
| Efficiency ratio | 59.3157% | 4,367 |
| Assets per employee ($millions) | 6.8553% | 1,037 |
| Cash dividends to net income (ytd only)* | 49.8754% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 615 |
| Loan loss allowance to noncurrent loans | 1,830.5882% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 4,851 |
| Noncurrent loans to loans | 0.1054% | 4,514 |
| Net loans and leases to total assets | 52.4404% | 4,488 |
| Net loans and leases to deposits | 68.5697% | 3,981 |
| Net loans and leases to core deposits | 70.1075% | 4,170 |
| Total domestic deposits to total assets | 76.4775% | 4,923 |
| Equity capital to assets | 12.4329% | 1,557 |
| Core capital (leverage) ratio | 12.7360% | 1,249 |
| Tier 1 risk-based capital ratio | 19.9534% | 1,333 |
| Total risk-based capital ratio | 21.2075% | 1,296 |
| Memoranda: | ||
| Average total assets | $145,732,400 | 3,528 |
| Average earning assets | $141,098,400 | 3,434 |
| Average equity | $18,422,200 | 3,313 |
| Average total loans | $76,270,200 | 3,817 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5650% | 4,647 |
| Cost of funding earning assets | 0.3638% | 3,515 |
| Net interest margin | 3.2012% | 4,445 |
| Noninterest income to average assets | 0.4015% | 3,673 |
| Noninterest expense to average assets | 2.0665% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3900% | 1,111 |
| Return on assets (ROA) | 1.3900% | 1,129 |
| Pretax return on assets | 1.4370% | 1,984 |
| Return on Equity (ROE) | 10.9485% | 1,721 |
| Retained earnings to average equity (ytd only) | 5.4888% | 2,548 |
| Net charge-offs to loans | -0.0018% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9831% | 4,357 |
| Assets per employee ($millions) | 6.5801% | 1,138 |
| Cash dividends to net income (ytd only)* | 49.8673% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 506 |
| Loan loss allowance to noncurrent loans | 1,542.1569% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 4,883 |
| Noncurrent loans to loans | 0.1338% | 4,524 |
| Net loans and leases to total assets | 51.5898% | 4,604 |
| Net loans and leases to deposits | 67.9944% | 4,113 |
| Net loans and leases to core deposits | 71.9947% | 4,130 |
| Total domestic deposits to total assets | 75.8737% | 5,033 |
| Equity capital to assets | 13.0731% | 1,350 |
| Core capital (leverage) ratio | 12.9428% | 1,234 |
| Tier 1 risk-based capital ratio | 20.8827% | 1,218 |
| Total risk-based capital ratio | 22.1381% | 1,183 |
| Memoranda: | ||
| Average total assets | $144,461,250 | 3,572 |
| Average earning assets | $139,986,500 | 3,481 |
| Average equity | $18,340,000 | 3,351 |
| Average total loans | $75,176,500 | 3,873 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5271% | 4,690 |
| Cost of funding earning assets | 0.3360% | 3,737 |
| Net interest margin | 3.1911% | 4,444 |
| Noninterest income to average assets | 0.4156% | 3,596 |
| Noninterest expense to average assets | 2.0532% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4145% | 1,029 |
| Return on assets (ROA) | 1.4145% | 1,052 |
| Pretax return on assets | 1.4547% | 1,811 |
| Return on Equity (ROE) | 11.2538% | 1,551 |
| Retained earnings to average equity (ytd only) | 5.7096% | 2,286 |
| Net charge-offs to loans | -0.0053% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5308% | 4,527 |
| Assets per employee ($millions) | 6.5985% | 1,095 |
| Cash dividends to net income (ytd only)* | 49.2654% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 454 |
| Loan loss allowance to noncurrent loans | 2,314.7059% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 5,044 |
| Noncurrent loans to loans | 0.0937% | 4,749 |
| Net loans and leases to total assets | 48.9071% | 4,771 |
| Net loans and leases to deposits | 63.2428% | 4,412 |
| Net loans and leases to core deposits | 65.2792% | 4,521 |
| Total domestic deposits to total assets | 77.3323% | 4,910 |
| Equity capital to assets | 12.8659% | 1,434 |
| Core capital (leverage) ratio | 12.7891% | 1,261 |
| Tier 1 risk-based capital ratio | 21.5672% | 1,106 |
| Total risk-based capital ratio | 22.8234% | 1,084 |
| Memoranda: | ||
| Average total assets | $144,360,670 | 3,590 |
| Average earning assets | $139,888,000 | 3,498 |
| Average equity | $18,145,000 | 3,380 |
| Average total loans | $74,816,670 | 3,902 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4815% | 4,740 |
| Cost of funding earning assets | 0.3092% | 3,949 |
| Net interest margin | 3.1723% | 4,429 |
| Noninterest income to average assets | 0.4057% | 3,616 |
| Noninterest expense to average assets | 2.0839% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3837% | 1,032 |
| Return on assets (ROA) | 1.3837% | 1,064 |
| Pretax return on assets | 1.4004% | 1,891 |
| Return on Equity (ROE) | 11.1416% | 1,517 |
| Retained earnings to average equity (ytd only) | 5.3023% | 2,737 |
| Net charge-offs to loans | -0.0053% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8086% | 4,480 |
| Assets per employee ($millions) | 6.9730% | 965 |
| Cash dividends to net income (ytd only)* | 52.4096% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0995% | 557 |
| Loan loss allowance to noncurrent loans | 1,991.1392% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 5,082 |
| Noncurrent loans to loans | 0.1054% | 4,765 |
| Net loans and leases to total assets | 50.0901% | 4,663 |
| Net loans and leases to deposits | 62.7875% | 4,386 |
| Net loans and leases to core deposits | 64.9629% | 4,489 |
| Total domestic deposits to total assets | 79.7772% | 4,666 |
| Equity capital to assets | 12.3912% | 1,603 |
| Core capital (leverage) ratio | 12.7542% | 1,235 |
| Tier 1 risk-based capital ratio | 20.8974% | 1,231 |
| Total risk-based capital ratio | 22.1538% | 1,207 |
| Memoranda: | ||
| Average total assets | $143,957,500 | 3,632 |
| Average earning assets | $139,710,000 | 3,533 |
| Average equity | $17,879,000 | 3,425 |
| Average total loans | $75,939,500 | 3,910 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 4,216 |
| Cost of funding earning assets | 0.2716% | 4,347 |
| Net interest margin | 3.4265% | 3,724 |
| Noninterest income to average assets | 0.4529% | 3,522 |
| Noninterest expense to average assets | 2.1756% | 4,833 |
| Loan and lease loss provision to assets | 0.0853% | 2,651 |
| Net operating income to assets | 1.4234% | 961 |
| Return on assets (ROA) | 1.4234% | 986 |
| Pretax return on assets | 1.4931% | 1,599 |
| Return on Equity (ROE) | 11.3722% | 1,442 |
| Retained earnings to average equity (ytd only) | 5.7486% | 1,853 |
| Net charge-offs to loans | 0.0892% | 2,423 |
| Credit loss provision to net charge-offs | 171.4286% | 1,618 |
| Earnings coverage of net charge-offs (x) | 31.7143% | 1,383 |
| Efficiency ratio | 57.9545% | 4,862 |
| Assets per employee ($millions) | 6.4310% | 1,184 |
| Cash dividends to net income (ytd only)* | 49.4505% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 604 |
| Loan loss allowance to noncurrent loans | 2,577.0492% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,181 |
| Noncurrent loans to loans | 0.0793% | 4,921 |
| Net loans and leases to total assets | 53.2828% | 4,504 |
| Net loans and leases to deposits | 68.8844% | 4,020 |
| Net loans and leases to core deposits | 73.2057% | 3,987 |
| Total domestic deposits to total assets | 77.3510% | 5,069 |
| Equity capital to assets | 12.4490% | 1,554 |
| Core capital (leverage) ratio | 12.9300% | 1,160 |
| Tier 1 risk-based capital ratio | 20.4273% | 1,300 |
| Total risk-based capital ratio | 21.6831% | 1,272 |
| Memoranda: | ||
| Average total assets | $140,649,400 | 3,660 |
| Average earning assets | $135,502,000 | 3,565 |
| Average equity | $17,604,400 | 3,474 |
| Average total loans | $78,491,200 | 3,841 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7253% | 4,162 |
| Cost of funding earning assets | 0.2673% | 4,421 |
| Net interest margin | 3.4581% | 3,638 |
| Noninterest income to average assets | 0.4566% | 3,509 |
| Noninterest expense to average assets | 2.2244% | 4,705 |
| Loan and lease loss provision to assets | 0.1139% | 2,031 |
| Net operating income to assets | 1.3785% | 1,106 |
| Return on assets (ROA) | 1.3785% | 1,171 |
| Pretax return on assets | 1.4468% | 1,893 |
| Return on Equity (ROE) | 10.9983% | 1,671 |
| Retained earnings to average equity (ytd only) | 5.3249% | 2,606 |
| Net charge-offs to loans | 0.1166% | 1,784 |
| Credit loss provision to net charge-offs | 173.9130% | 1,602 |
| Earnings coverage of net charge-offs (x) | 23.8255% | 1,701 |
| Efficiency ratio | 58.7660% | 4,714 |
| Assets per employee ($millions) | 6.4297% | 1,152 |
| Cash dividends to net income (ytd only)* | 51.5840% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0574% | 657 |
| Loan loss allowance to noncurrent loans | 6,050.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 5,134 |
| Noncurrent loans to loans | 0.0340% | 5,240 |
| Net loans and leases to total assets | 52.9388% | 4,575 |
| Net loans and leases to deposits | 72.0530% | 3,801 |
| Net loans and leases to core deposits | 73.5260% | 4,039 |
| Total domestic deposits to total assets | 73.4719% | 5,481 |
| Equity capital to assets | 12.6932% | 1,650 |
| Core capital (leverage) ratio | 12.8514% | 1,244 |
| Tier 1 risk-based capital ratio | 20.1608% | 1,415 |
| Total risk-based capital ratio | 21.4172% | 1,380 |
| Memoranda: | ||
| Average total assets | $140,441,500 | 3,686 |
| Average earning assets | $135,178,750 | 3,584 |
| Average equity | $17,602,250 | 3,497 |
| Average total loans | $78,874,750 | 3,852 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 3,969 |
| Cost of funding earning assets | 0.2584% | 4,564 |
| Net interest margin | 3.5366% | 3,344 |
| Noninterest income to average assets | 0.4625% | 3,443 |
| Noninterest expense to average assets | 2.2755% | 4,674 |
| Loan and lease loss provision to assets | 0.1356% | 1,679 |
| Net operating income to assets | 1.3790% | 1,097 |
| Return on assets (ROA) | 1.3790% | 1,162 |
| Pretax return on assets | 1.4504% | 1,836 |
| Return on Equity (ROE) | 11.0497% | 1,618 |
| Retained earnings to average equity (ytd only) | 5.2389% | 2,587 |
| Net charge-offs to loans | 0.0050% | 3,524 |
| Credit loss provision to net charge-offs | 4,750.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 555.5000% | 121 |
| Efficiency ratio | 58.9279% | 4,781 |
| Assets per employee ($millions) | 5.9089% | 1,467 |
| Cash dividends to net income (ytd only)* | 52.5880% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9906% | 753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.0706% | 4,303 |
| Net loans and leases to deposits | 75.2871% | 3,455 |
| Net loans and leases to core deposits | 77.0370% | 3,735 |
| Total domestic deposits to total assets | 74.4757% | 5,468 |
| Equity capital to assets | 12.6172% | 1,705 |
| Core capital (leverage) ratio | 12.4106% | 1,401 |
| Tier 1 risk-based capital ratio | 18.9946% | 1,696 |
| Total risk-based capital ratio | 20.2505% | 1,664 |
| Memoranda: | ||
| Average total assets | $140,104,000 | 3,717 |
| Average earning assets | $134,649,330 | 3,617 |
| Average equity | $17,484,670 | 3,518 |
| Average total loans | $79,680,670 | 3,849 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 4,232 |
| Cost of funding earning assets | 0.2529% | 4,673 |
| Net interest margin | 3.4716% | 3,582 |
| Noninterest income to average assets | 0.4481% | 3,498 |
| Noninterest expense to average assets | 2.3497% | 4,520 |
| Loan and lease loss provision to assets | 0.0287% | 3,278 |
| Net operating income to assets | 1.3587% | 1,117 |
| Return on assets (ROA) | 1.3587% | 1,185 |
| Pretax return on assets | 1.4219% | 1,837 |
| Return on Equity (ROE) | 10.9488% | 1,616 |
| Retained earnings to average equity (ytd only) | 4.7684% | 3,083 |
| Net charge-offs to loans | 0.0101% | 2,785 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 240 |
| Efficiency ratio | 61.8292% | 4,472 |
| Assets per employee ($millions) | 5.8248% | 1,554 |
| Cash dividends to net income (ytd only)* | 56.4482% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 956 |
| Loan loss allowance to noncurrent loans | 529.4118% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 4,731 |
| Noncurrent loans to loans | 0.3609% | 4,138 |
| Net loans and leases to total assets | 56.1897% | 4,233 |
| Net loans and leases to deposits | 70.7182% | 3,785 |
| Net loans and leases to core deposits | 74.8618% | 3,804 |
| Total domestic deposits to total assets | 79.4558% | 4,866 |
| Equity capital to assets | 12.4861% | 1,691 |
| Core capital (leverage) ratio | 12.4274% | 1,369 |
| Tier 1 risk-based capital ratio | 18.8515% | 1,765 |
| Total risk-based capital ratio | 20.1064% | 1,730 |
| Memoranda: | ||
| Average total assets | $139,249,000 | 3,764 |
| Average earning assets | $134,464,000 | 3,645 |
| Average equity | $17,280,500 | 3,545 |
| Average total loans | $78,955,500 | 3,886 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 4,611 |
| Cost of funding earning assets | 0.2432% | 4,851 |
| Net interest margin | 3.3801% | 3,987 |
| Noninterest income to average assets | 0.5101% | 3,255 |
| Noninterest expense to average assets | 2.2818% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4261% | 996 |
| Return on assets (ROA) | 1.4261% | 1,031 |
| Pretax return on assets | 1.4895% | 1,589 |
| Return on Equity (ROE) | 11.3971% | 1,466 |
| Retained earnings to average equity (ytd only) | 5.8191% | 1,884 |
| Net charge-offs to loans | -0.0151% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5042% | 4,842 |
| Assets per employee ($millions) | 5.5481% | 1,736 |
| Cash dividends to net income (ytd only)* | 48.9418% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 872 |
| Loan loss allowance to noncurrent loans | 331.5904% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 4,258 |
| Noncurrent loans to loans | 0.5897% | 3,401 |
| Net loans and leases to total assets | 55.0158% | 4,388 |
| Net loans and leases to deposits | 70.3883% | 3,880 |
| Net loans and leases to core deposits | 75.4210% | 3,808 |
| Total domestic deposits to total assets | 78.1604% | 5,136 |
| Equity capital to assets | 12.3329% | 1,716 |
| Core capital (leverage) ratio | 12.7648% | 1,241 |
| Tier 1 risk-based capital ratio | 19.6101% | 1,560 |
| Total risk-based capital ratio | 20.8655% | 1,531 |
| Memoranda: | ||
| Average total assets | $132,524,800 | 3,841 |
| Average earning assets | $127,865,400 | 3,746 |
| Average equity | $16,583,200 | 3,589 |
| Average total loans | $72,716,200 | 4,027 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 4,627 |
| Cost of funding earning assets | 0.2437% | 4,952 |
| Net interest margin | 3.3919% | 3,996 |
| Noninterest income to average assets | 0.5273% | 3,183 |
| Noninterest expense to average assets | 2.3402% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3976% | 1,112 |
| Return on assets (ROA) | 1.3976% | 1,161 |
| Pretax return on assets | 1.4597% | 1,804 |
| Return on Equity (ROE) | 11.1267% | 1,657 |
| Retained earnings to average equity (ytd only) | 5.4539% | 2,606 |
| Net charge-offs to loans | -0.0243% | 5,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5859% | 4,630 |
| Assets per employee ($millions) | 4.8102% | 2,548 |
| Cash dividends to net income (ytd only)* | 50.9833% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 690 |
| Loan loss allowance to noncurrent loans | 355.2448% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 4,439 |
| Noncurrent loans to loans | 0.6140% | 3,475 |
| Net loans and leases to total assets | 52.6210% | 4,699 |
| Net loans and leases to deposits | 68.3919% | 4,150 |
| Net loans and leases to core deposits | 71.5870% | 4,223 |
| Total domestic deposits to total assets | 76.9403% | 5,348 |
| Equity capital to assets | 12.9862% | 1,452 |
| Core capital (leverage) ratio | 13.1232% | 1,163 |
| Tier 1 risk-based capital ratio | 21.0922% | 1,329 |
| Total risk-based capital ratio | 22.3497% | 1,307 |
| Memoranda: | ||
| Average total assets | $130,980,500 | 3,914 |
| Average earning assets | $126,376,000 | 3,805 |
| Average equity | $16,452,500 | 3,631 |
| Average total loans | $71,437,750 | 4,097 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 4,637 |
| Cost of funding earning assets | 0.2432% | 5,021 |
| Net interest margin | 3.3876% | 3,943 |
| Noninterest income to average assets | 0.5147% | 3,270 |
| Noninterest expense to average assets | 2.3266% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3948% | 1,098 |
| Return on assets (ROA) | 1.3948% | 1,134 |
| Pretax return on assets | 1.4541% | 1,787 |
| Return on Equity (ROE) | 11.2292% | 1,607 |
| Retained earnings to average equity (ytd only) | 5.3449% | 2,643 |
| Net charge-offs to loans | -0.0306% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 4,749 |
| Assets per employee ($millions) | 5.2634% | 1,969 |
| Cash dividends to net income (ytd only)* | 52.4017% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1834% | 753 |
| Loan loss allowance to noncurrent loans | 423.9554% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 4,781 |
| Noncurrent loans to loans | 0.5150% | 3,912 |
| Net loans and leases to total assets | 51.8201% | 4,771 |
| Net loans and leases to deposits | 65.4285% | 4,391 |
| Net loans and leases to core deposits | 70.8834% | 4,237 |
| Total domestic deposits to total assets | 79.2011% | 5,048 |
| Equity capital to assets | 12.4886% | 1,664 |
| Core capital (leverage) ratio | 12.6908% | 1,297 |
| Tier 1 risk-based capital ratio | 20.8665% | 1,391 |
| Total risk-based capital ratio | 22.1247% | 1,359 |
| Memoranda: | ||
| Average total assets | $131,348,670 | 3,941 |
| Average earning assets | $126,639,330 | 3,831 |
| Average equity | $16,314,670 | 3,670 |
| Average total loans | $71,961,670 | 4,111 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 4,724 |
| Cost of funding earning assets | 0.2363% | 5,158 |
| Net interest margin | 3.3527% | 4,011 |
| Noninterest income to average assets | 0.5608% | 2,884 |
| Noninterest expense to average assets | 2.3501% | 4,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3991% | 1,038 |
| Return on assets (ROA) | 1.3991% | 1,091 |
| Pretax return on assets | 1.4539% | 1,713 |
| Return on Equity (ROE) | 11.2946% | 1,554 |
| Retained earnings to average equity (ytd only) | 5.2659% | 2,908 |
| Net charge-offs to loans | -0.0109% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7788% | 4,831 |
| Assets per employee ($millions) | 5.7097% | 1,620 |
| Cash dividends to net income (ytd only)* | 53.3769% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1650% | 839 |
| Loan loss allowance to noncurrent loans | 5,403.5714% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 5,857 |
| Noncurrent loans to loans | 0.0401% | 5,623 |
| Net loans and leases to total assets | 52.0652% | 4,658 |
| Net loans and leases to deposits | 63.9915% | 4,371 |
| Net loans and leases to core deposits | 69.6433% | 4,188 |
| Total domestic deposits to total assets | 81.3626% | 4,719 |
| Equity capital to assets | 12.5166% | 1,685 |
| Core capital (leverage) ratio | 12.5625% | 1,336 |
| Tier 1 risk-based capital ratio | 20.5698% | 1,518 |
| Total risk-based capital ratio | 21.8271% | 1,479 |
| Memoranda: | ||
| Average total assets | $131,231,000 | 3,967 |
| Average earning assets | $126,941,000 | 3,848 |
| Average equity | $16,255,500 | 3,708 |
| Average total loans | $73,088,000 | 4,101 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,961 |
| Cost of funding earning assets | 0.2219% | 5,580 |
| Net interest margin | 3.7198% | 2,928 |
| Noninterest income to average assets | 0.6076% | 2,808 |
| Noninterest expense to average assets | 2.3717% | 4,917 |
| Loan and lease loss provision to assets | 0.0998% | 2,492 |
| Net operating income to assets | 1.6358% | 661 |
| Return on assets (ROA) | 1.6358% | 687 |
| Pretax return on assets | 1.7079% | 970 |
| Return on Equity (ROE) | 13.4195% | 1,061 |
| Retained earnings to average equity (ytd only) | 7.1159% | 1,346 |
| Net charge-offs to loans | 0.0110% | 4,689 |
| Credit loss provision to net charge-offs | 1,575.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 285.2500% | 191 |
| Efficiency ratio | 56.7475% | 5,590 |
| Assets per employee ($millions) | 5.4642% | 1,800 |
| Cash dividends to net income (ytd only)* | 46.9734% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9806% | 1,143 |
| Loan loss allowance to noncurrent loans | 476.6562% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 5,055 |
| Noncurrent loans to loans | 0.4155% | 4,398 |
| Net loans and leases to total assets | 57.0223% | 4,191 |
| Net loans and leases to deposits | 73.8201% | 3,458 |
| Net loans and leases to core deposits | 77.3389% | 3,583 |
| Total domestic deposits to total assets | 77.2449% | 5,562 |
| Equity capital to assets | 12.2571% | 1,821 |
| Core capital (leverage) ratio | 12.5695% | 1,323 |
| Tier 1 risk-based capital ratio | 18.8032% | 1,907 |
| Total risk-based capital ratio | 20.0594% | 1,868 |
| Memoranda: | ||
| Average total assets | $126,238,800 | 4,054 |
| Average earning assets | $121,214,600 | 3,934 |
| Average equity | $15,388,000 | 3,764 |
| Average total loans | $72,806,800 | 4,101 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,926 |
| Cost of funding earning assets | 0.2191% | 5,678 |
| Net interest margin | 3.7414% | 2,854 |
| Noninterest income to average assets | 0.5685% | 3,075 |
| Noninterest expense to average assets | 2.3943% | 4,848 |
| Loan and lease loss provision to assets | 0.0971% | 2,423 |
| Net operating income to assets | 1.5955% | 761 |
| Return on assets (ROA) | 1.5955% | 793 |
| Pretax return on assets | 1.6648% | 1,147 |
| Return on Equity (ROE) | 13.1083% | 1,199 |
| Retained earnings to average equity (ytd only) | 6.6680% | 2,000 |
| Net charge-offs to loans | 0.0056% | 4,499 |
| Credit loss provision to net charge-offs | 3,033.3333% | 123 |
| Earnings coverage of net charge-offs (x) | 550.6525% | 139 |
| Efficiency ratio | 57.6084% | 5,492 |
| Assets per employee ($millions) | 5.2875% | 1,915 |
| Cash dividends to net income (ytd only)* | 49.1312% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0099% | 1,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 56.8988% | 4,212 |
| Net loans and leases to deposits | 72.2264% | 3,667 |
| Net loans and leases to core deposits | 76.3240% | 3,706 |
| Total domestic deposits to total assets | 78.7784% | 5,378 |
| Equity capital to assets | 12.4248% | 1,752 |
| Core capital (leverage) ratio | 12.5534% | 1,379 |
| Tier 1 risk-based capital ratio | 18.9378% | 1,919 |
| Total risk-based capital ratio | 20.1949% | 1,887 |
| Memoranda: | ||
| Average total assets | $125,013,500 | 4,121 |
| Average earning assets | $119,880,500 | 3,993 |
| Average equity | $15,216,500 | 3,817 |
| Average total loans | $71,936,000 | 4,158 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 4,001 |
| Cost of funding earning assets | 0.2168% | 5,779 |
| Net interest margin | 3.7167% | 2,895 |
| Noninterest income to average assets | 0.5451% | 3,167 |
| Noninterest expense to average assets | 2.4778% | 4,646 |
| Loan and lease loss provision to assets | 0.1126% | 2,146 |
| Net operating income to assets | 1.4503% | 959 |
| Return on assets (ROA) | 1.4503% | 1,002 |
| Pretax return on assets | 1.5114% | 1,502 |
| Return on Equity (ROE) | 12.0003% | 1,418 |
| Retained earnings to average equity (ytd only) | 5.0822% | 2,910 |
| Net charge-offs to loans | 0.0112% | 4,034 |
| Credit loss provision to net charge-offs | 1,750.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 265 |
| Efficiency ratio | 60.4077% | 5,232 |
| Assets per employee ($millions) | 5.0850% | 2,106 |
| Cash dividends to net income (ytd only)* | 57.6497% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 1,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 59.0211% | 3,857 |
| Net loans and leases to deposits | 73.6130% | 3,372 |
| Net loans and leases to core deposits | 81.4455% | 3,040 |
| Total domestic deposits to total assets | 80.1776% | 5,200 |
| Equity capital to assets | 12.0921% | 1,921 |
| Core capital (leverage) ratio | 12.5904% | 1,351 |
| Tier 1 risk-based capital ratio | 18.1776% | 2,177 |
| Total risk-based capital ratio | 19.4332% | 2,144 |
| Memoranda: | ||
| Average total assets | $124,385,000 | 4,150 |
| Average earning assets | $119,030,000 | 4,034 |
| Average equity | $15,033,000 | 3,850 |
| Average total loans | $71,353,000 | 4,187 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 4,149 |
| Cost of funding earning assets | 0.2111% | 5,909 |
| Net interest margin | 3.6731% | 2,979 |
| Noninterest income to average assets | 0.5203% | 3,268 |
| Noninterest expense to average assets | 2.4680% | 4,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5022% | 813 |
| Return on assets (ROA) | 1.5022% | 845 |
| Pretax return on assets | 1.5608% | 1,261 |
| Return on Equity (ROE) | 12.4331% | 1,302 |
| Retained earnings to average equity (ytd only) | 4.3597% | 3,511 |
| Net charge-offs to loans | 0.0233% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 398 |
| Efficiency ratio | 61.2591% | 5,237 |
| Assets per employee ($millions) | 5.0697% | 2,161 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 1,406 |
| Loan loss allowance to noncurrent loans | 8,681.2500% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 6,286 |
| Noncurrent loans to loans | 0.0237% | 6,089 |
| Net loans and leases to total assets | 54.4229% | 4,364 |
| Net loans and leases to deposits | 66.3773% | 4,044 |
| Net loans and leases to core deposits | 69.3201% | 4,169 |
| Total domestic deposits to total assets | 81.9903% | 4,946 |
| Equity capital to assets | 12.3199% | 1,675 |
| Core capital (leverage) ratio | 12.4782% | 1,397 |
| Tier 1 risk-based capital ratio | 20.0393% | 1,710 |
| Total risk-based capital ratio | 21.2964% | 1,673 |
| Memoranda: | ||
| Average total assets | $123,015,500 | 4,212 |
| Average earning assets | $117,503,500 | 4,105 |
| Average equity | $14,863,500 | 3,886 |
| Average total loans | $68,785,000 | 4,307 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 4,055 |
| Cost of funding earning assets | 0.2225% | 6,159 |
| Net interest margin | 3.7884% | 2,690 |
| Noninterest income to average assets | 0.6264% | 2,939 |
| Noninterest expense to average assets | 2.4330% | 4,978 |
| Loan and lease loss provision to assets | 0.0611% | 3,921 |
| Net operating income to assets | 1.6528% | 630 |
| Return on assets (ROA) | 1.6755% | 621 |
| Pretax return on assets | 1.7472% | 857 |
| Return on Equity (ROE) | 14.3331% | 880 |
| Retained earnings to average equity (ytd only) | 8.1107% | 1,024 |
| Net charge-offs to loans | 0.1751% | 3,077 |
| Credit loss provision to net charge-offs | 64.1026% | 3,448 |
| Earnings coverage of net charge-offs (x) | 18.7265% | 1,641 |
| Efficiency ratio | 57.6864% | 5,770 |
| Assets per employee ($millions) | 4.7830% | 2,472 |
| Cash dividends to net income (ytd only)* | 43.4127% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 1,576 |
| Loan loss allowance to noncurrent loans | 23,216.6667% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 6,424 |
| Noncurrent loans to loans | 0.0086% | 6,267 |
| Net loans and leases to total assets | 55.1392% | 4,443 |
| Net loans and leases to deposits | 66.7095% | 4,219 |
| Net loans and leases to core deposits | 69.9330% | 4,290 |
| Total domestic deposits to total assets | 82.6557% | 4,661 |
| Equity capital to assets | 11.8505% | 1,910 |
| Core capital (leverage) ratio | 12.0849% | 1,544 |
| Tier 1 risk-based capital ratio | 19.1038% | 1,886 |
| Total risk-based capital ratio | 20.3598% | 1,848 |
| Memoranda: | ||
| Average total assets | $122,770,200 | 4,219 |
| Average earning assets | $116,380,400 | 4,126 |
| Average equity | $14,351,400 | 3,995 |
| Average total loans | $66,831,000 | 4,385 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 4,151 |
| Cost of funding earning assets | 0.2223% | 6,281 |
| Net interest margin | 3.7720% | 2,741 |
| Noninterest income to average assets | 0.5840% | 3,252 |
| Noninterest expense to average assets | 2.4602% | 4,838 |
| Loan and lease loss provision to assets | 0.0817% | 3,427 |
| Net operating income to assets | 1.5462% | 829 |
| Return on assets (ROA) | 1.5766% | 833 |
| Pretax return on assets | 1.6419% | 1,240 |
| Return on Equity (ROE) | 13.5341% | 1,114 |
| Retained earnings to average equity (ytd only) | 7.7819% | 1,509 |
| Net charge-offs to loans | 0.2362% | 2,389 |
| Credit loss provision to net charge-offs | 64.1026% | 3,200 |
| Earnings coverage of net charge-offs (x) | 13.2731% | 2,044 |
| Efficiency ratio | 59.2495% | 5,531 |
| Assets per employee ($millions) | 4.9558% | 2,221 |
| Cash dividends to net income (ytd only)* | 42.5016% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 1,608 |
| Loan loss allowance to noncurrent loans | 19,900.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,503 |
| Noncurrent loans to loans | 0.0103% | 6,341 |
| Net loans and leases to total assets | 53.6955% | 4,663 |
| Net loans and leases to deposits | 65.1583% | 4,386 |
| Net loans and leases to core deposits | 71.0680% | 4,204 |
| Total domestic deposits to total assets | 82.4077% | 4,791 |
| Equity capital to assets | 11.6413% | 2,176 |
| Core capital (leverage) ratio | 11.9141% | 1,723 |
| Tier 1 risk-based capital ratio | 19.0568% | 1,976 |
| Total risk-based capital ratio | 20.3135% | 1,939 |
| Memoranda: | ||
| Average total assets | $122,373,250 | 4,266 |
| Average earning assets | $115,761,500 | 4,184 |
| Average equity | $14,255,000 | 4,067 |
| Average total loans | $66,048,000 | 4,449 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 4,174 |
| Cost of funding earning assets | 0.2195% | 6,373 |
| Net interest margin | 3.7637% | 2,701 |
| Noninterest income to average assets | 0.5908% | 3,248 |
| Noninterest expense to average assets | 2.5389% | 4,597 |
| Loan and lease loss provision to assets | 0.1231% | 2,785 |
| Net operating income to assets | 1.4149% | 1,045 |
| Return on assets (ROA) | 1.4606% | 1,037 |
| Pretax return on assets | 1.5213% | 1,556 |
| Return on Equity (ROE) | 12.5361% | 1,353 |
| Retained earnings to average equity (ytd only) | 7.1132% | 1,840 |
| Net charge-offs to loans | -0.0061% | 5,671 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3889% | 5,265 |
| Assets per employee ($millions) | 4.7693% | 2,427 |
| Cash dividends to net income (ytd only)* | 43.2584% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1458% | 1,535 |
| Loan loss allowance to noncurrent loans | 1,190.5512% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 6,189 |
| Noncurrent loans to loans | 0.1802% | 5,867 |
| Net loans and leases to total assets | 55.6060% | 4,355 |
| Net loans and leases to deposits | 65.6511% | 4,308 |
| Net loans and leases to core deposits | 74.3097% | 3,761 |
| Total domestic deposits to total assets | 84.6993% | 4,040 |
| Equity capital to assets | 11.3588% | 2,418 |
| Core capital (leverage) ratio | 11.6161% | 1,850 |
| Tier 1 risk-based capital ratio | 17.9414% | 2,331 |
| Total risk-based capital ratio | 19.1994% | 2,298 |
| Memoranda: | ||
| Average total assets | $121,866,000 | 4,304 |
| Average earning assets | $114,781,330 | 4,237 |
| Average equity | $14,199,000 | 4,111 |
| Average total loans | $65,424,330 | 4,484 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 4,405 |
| Cost of funding earning assets | 0.2223% | 6,462 |
| Net interest margin | 3.6976% | 2,861 |
| Noninterest income to average assets | 0.5762% | 3,267 |
| Noninterest expense to average assets | 2.6225% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3808% | 1,068 |
| Return on assets (ROA) | 1.3808% | 1,156 |
| Pretax return on assets | 1.4239% | 1,787 |
| Return on Equity (ROE) | 11.7003% | 1,501 |
| Retained earnings to average equity (ytd only) | 6.3692% | 2,473 |
| Net charge-offs to loans | -0.0064% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8118% | 4,862 |
| Assets per employee ($millions) | 4.4596% | 3,051 |
| Cash dividends to net income (ytd only)* | 45.5635% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4115% | 1,235 |
| Loan loss allowance to noncurrent loans | 1,113.1783% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 6,260 |
| Noncurrent loans to loans | 0.2166% | 5,868 |
| Net loans and leases to total assets | 48.2626% | 5,200 |
| Net loans and leases to deposits | 55.9210% | 5,255 |
| Net loans and leases to core deposits | 58.3062% | 5,316 |
| Total domestic deposits to total assets | 86.3049% | 3,355 |
| Equity capital to assets | 11.9070% | 2,106 |
| Core capital (leverage) ratio | 11.5999% | 1,815 |
| Tier 1 risk-based capital ratio | 20.4915% | 1,653 |
| Total risk-based capital ratio | 21.7517% | 1,622 |
| Memoranda: | ||
| Average total assets | $120,798,500 | 4,382 |
| Average earning assets | $113,372,000 | 4,303 |
| Average equity | $14,256,000 | 4,146 |
| Average total loans | $62,904,500 | 4,606 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 4,125 |
| Cost of funding earning assets | 0.2745% | 6,571 |
| Net interest margin | 4.0450% | 2,218 |
| Noninterest income to average assets | 0.7072% | 2,684 |
| Noninterest expense to average assets | 2.7886% | 4,061 |
| Loan and lease loss provision to assets | 0.0746% | 4,789 |
| Net operating income to assets | 1.5602% | 814 |
| Return on assets (ROA) | 1.5602% | 894 |
| Pretax return on assets | 1.6321% | 1,301 |
| Return on Equity (ROE) | 13.1445% | 1,192 |
| Retained earnings to average equity (ytd only) | 7.7181% | 1,226 |
| Net charge-offs to loans | -0.0016% | 6,322 |
| Credit loss provision to net charge-offs | -8,500.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0324% | 5,824 |
| Assets per employee ($millions) | 4.6611% | 2,690 |
| Cash dividends to net income (ytd only)* | 41.2823% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1657% | 1,615 |
| Loan loss allowance to noncurrent loans | 1,195.8333% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 6,340 |
| Noncurrent loans to loans | 0.1811% | 6,020 |
| Net loans and leases to total assets | 53.4917% | 4,691 |
| Net loans and leases to deposits | 61.7914% | 4,808 |
| Net loans and leases to core deposits | 64.5967% | 4,890 |
| Total domestic deposits to total assets | 86.5681% | 3,062 |
| Equity capital to assets | 11.6966% | 2,274 |
| Core capital (leverage) ratio | 11.9987% | 1,565 |
| Tier 1 risk-based capital ratio | 18.5898% | 2,076 |
| Total risk-based capital ratio | 19.8168% | 2,049 |
| Memoranda: | ||
| Average total assets | $113,962,800 | 4,498 |
| Average earning assets | $106,723,400 | 4,422 |
| Average equity | $13,526,600 | 4,253 |
| Average total loans | $61,204,200 | 4,667 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 4,177 |
| Cost of funding earning assets | 0.2900% | 6,658 |
| Net interest margin | 4.0775% | 2,186 |
| Noninterest income to average assets | 0.6788% | 2,820 |
| Noninterest expense to average assets | 2.9149% | 3,537 |
| Loan and lease loss provision to assets | 0.1010% | 4,312 |
| Net operating income to assets | 1.4254% | 1,171 |
| Return on assets (ROA) | 1.4254% | 1,290 |
| Pretax return on assets | 1.4907% | 1,916 |
| Return on Equity (ROE) | 11.9618% | 1,651 |
| Retained earnings to average equity (ytd only) | 6.4049% | 2,426 |
| Net charge-offs to loans | -0.0311% | 6,582 |
| Credit loss provision to net charge-offs | -607.1429% | 6,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3535% | 5,437 |
| Assets per employee ($millions) | 4.3216% | 3,229 |
| Cash dividends to net income (ytd only)* | 46.4554% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3977% | 1,367 |
| Loan loss allowance to noncurrent loans | 2,011.1111% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 6,586 |
| Noncurrent loans to loans | 0.1192% | 6,312 |
| Net loans and leases to total assets | 52.4577% | 4,985 |
| Net loans and leases to deposits | 61.4466% | 5,031 |
| Net loans and leases to core deposits | 66.1764% | 4,936 |
| Total domestic deposits to total assets | 85.3713% | 3,578 |
| Equity capital to assets | 12.3023% | 2,038 |
| Core capital (leverage) ratio | 11.6395% | 1,878 |
| Tier 1 risk-based capital ratio | 19.5277% | 1,873 |
| Total risk-based capital ratio | 20.7803% | 1,848 |
| Memoranda: | ||
| Average total assets | $112,156,250 | 4,580 |
| Average earning assets | $105,291,000 | 4,505 |
| Average equity | $13,364,500 | 4,327 |
| Average total loans | $59,940,000 | 4,766 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 4,297 |
| Cost of funding earning assets | 0.2966% | 6,753 |
| Net interest margin | 4.0757% | 2,185 |
| Noninterest income to average assets | 0.6798% | 2,774 |
| Noninterest expense to average assets | 3.0619% | 3,044 |
| Loan and lease loss provision to assets | 0.1517% | 3,629 |
| Net operating income to assets | 1.2347% | 1,598 |
| Return on assets (ROA) | 1.2347% | 1,785 |
| Pretax return on assets | 1.2918% | 2,587 |
| Return on Equity (ROE) | 10.4756% | 2,184 |
| Retained earnings to average equity (ytd only) | 4.3446% | 3,721 |
| Net charge-offs to loans | -0.0468% | 6,649 |
| Credit loss provision to net charge-offs | -607.1429% | 6,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6040% | 4,968 |
| Assets per employee ($millions) | 4.3930% | 3,099 |
| Cash dividends to net income (ytd only)* | 58.5260% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4678% | 1,326 |
| Loan loss allowance to noncurrent loans | 3,531.7073% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 6,747 |
| Noncurrent loans to loans | 0.0699% | 6,495 |
| Net loans and leases to total assets | 50.1037% | 5,340 |
| Net loans and leases to deposits | 58.0490% | 5,440 |
| Net loans and leases to core deposits | 62.9588% | 5,303 |
| Total domestic deposits to total assets | 86.3129% | 3,186 |
| Equity capital to assets | 11.7286% | 2,384 |
| Core capital (leverage) ratio | 11.4196% | 1,953 |
| Tier 1 risk-based capital ratio | 19.5288% | 1,845 |
| Total risk-based capital ratio | 20.7470% | 1,818 |
| Memoranda: | ||
| Average total assets | $112,088,000 | 4,617 |
| Average earning assets | $105,208,670 | 4,528 |
| Average equity | $13,211,670 | 4,357 |
| Average total loans | $59,790,000 | 4,798 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 4,604 |
| Cost of funding earning assets | 0.3036% | 6,832 |
| Net interest margin | 4.0274% | 2,385 |
| Noninterest income to average assets | 0.6990% | 2,667 |
| Noninterest expense to average assets | 3.1705% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2466% | 1,610 |
| Return on assets (ROA) | 1.2466% | 1,786 |
| Pretax return on assets | 1.3042% | 2,521 |
| Return on Equity (ROE) | 10.5492% | 2,212 |
| Retained earnings to average equity (ytd only) | 3.0794% | 4,712 |
| Net charge-offs to loans | -0.1591% | 6,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4251% | 4,478 |
| Assets per employee ($millions) | 4.3520% | 3,299 |
| Cash dividends to net income (ytd only)* | 70.8092% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3082% | 1,661 |
| Loan loss allowance to noncurrent loans | 1,933.8028% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 6,735 |
| Noncurrent loans to loans | 0.1194% | 6,453 |
| Net loans and leases to total assets | 51.3552% | 5,099 |
| Net loans and leases to deposits | 59.3965% | 5,232 |
| Net loans and leases to core deposits | 62.8610% | 5,236 |
| Total domestic deposits to total assets | 86.4617% | 3,272 |
| Equity capital to assets | 11.5781% | 2,366 |
| Core capital (leverage) ratio | 11.4425% | 1,933 |
| Tier 1 risk-based capital ratio | 18.8440% | 2,035 |
| Total risk-based capital ratio | 20.1030% | 1,996 |
| Memoranda: | ||
| Average total assets | $111,023,500 | 4,686 |
| Average earning assets | $104,086,500 | 4,596 |
| Average equity | $13,119,500 | 4,386 |
| Average total loans | $60,347,500 | 4,801 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4897% | 5,118 |
| Cost of funding earning assets | 0.3933% | 6,906 |
| Net interest margin | 4.0963% | 2,437 |
| Noninterest income to average assets | 0.7551% | 2,312 |
| Noninterest expense to average assets | 2.9483% | 3,780 |
| Loan and lease loss provision to assets | 0.2592% | 3,619 |
| Net operating income to assets | 1.3118% | 1,210 |
| Return on assets (ROA) | 1.3118% | 1,322 |
| Pretax return on assets | 1.3577% | 1,920 |
| Return on Equity (ROE) | 11.0718% | 1,675 |
| Retained earnings to average equity (ytd only) | 5.9387% | 2,052 |
| Net charge-offs to loans | 0.1121% | 5,253 |
| Credit loss provision to net charge-offs | 432.8125% | 526 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 922 |
| Efficiency ratio | 60.0943% | 5,742 |
| Assets per employee ($millions) | 3.8891% | 4,102 |
| Cash dividends to net income (ytd only)* | 46.3623% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 1,792 |
| Loan loss allowance to noncurrent loans | 583.9827% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 6,434 |
| Noncurrent loans to loans | 0.3774% | 5,960 |
| Net loans and leases to total assets | 54.9736% | 4,885 |
| Net loans and leases to deposits | 64.7462% | 4,905 |
| Net loans and leases to core deposits | 69.0820% | 4,898 |
| Total domestic deposits to total assets | 84.9064% | 3,899 |
| Equity capital to assets | 12.0649% | 2,075 |
| Core capital (leverage) ratio | 11.6637% | 1,783 |
| Tier 1 risk-based capital ratio | 16.9543% | 2,628 |
| Total risk-based capital ratio | 18.2108% | 2,587 |
| Memoranda: | ||
| Average total assets | $106,873,800 | 4,709 |
| Average earning assets | $99,406,200 | 4,651 |
| Average equity | $12,662,800 | 4,406 |
| Average total loans | $57,087,800 | 4,980 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 5,240 |
| Cost of funding earning assets | 0.4120% | 6,990 |
| Net interest margin | 4.0941% | 2,498 |
| Noninterest income to average assets | 0.7007% | 2,604 |
| Noninterest expense to average assets | 3.0284% | 3,446 |
| Loan and lease loss provision to assets | 0.2444% | 3,558 |
| Net operating income to assets | 1.1921% | 1,672 |
| Return on assets (ROA) | 1.1921% | 1,789 |
| Pretax return on assets | 1.2271% | 2,533 |
| Return on Equity (ROE) | 10.1082% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.2720% | 3,015 |
| Net charge-offs to loans | 0.1546% | 4,533 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 18.0624% | 1,321 |
| Efficiency ratio | 62.7019% | 5,291 |
| Assets per employee ($millions) | 4.0950% | 3,653 |
| Cash dividends to net income (ytd only)* | 47.8442% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1913% | 1,878 |
| Loan loss allowance to noncurrent loans | 2,637.5000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 6,935 |
| Noncurrent loans to loans | 0.0831% | 6,729 |
| Net loans and leases to total assets | 53.0750% | 5,310 |
| Net loans and leases to deposits | 61.8694% | 5,417 |
| Net loans and leases to core deposits | 67.6479% | 5,216 |
| Total domestic deposits to total assets | 85.7857% | 3,336 |
| Equity capital to assets | 12.1339% | 2,151 |
| Core capital (leverage) ratio | 11.4055% | 2,096 |
| Tier 1 risk-based capital ratio | 17.5191% | 2,434 |
| Total risk-based capital ratio | 18.7759% | 2,405 |
| Memoranda: | ||
| Average total assets | $106,368,750 | 4,753 |
| Average earning assets | $98,708,000 | 4,700 |
| Average equity | $12,544,000 | 4,443 |
| Average total loans | $56,056,750 | 5,076 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 5,463 |
| Cost of funding earning assets | 0.4276% | 7,068 |
| Net interest margin | 4.0380% | 2,657 |
| Noninterest income to average assets | 0.7110% | 2,491 |
| Noninterest expense to average assets | 3.1297% | 3,143 |
| Loan and lease loss provision to assets | 0.1411% | 4,545 |
| Net operating income to assets | 1.1454% | 1,736 |
| Return on assets (ROA) | 1.1454% | 1,810 |
| Pretax return on assets | 1.1699% | 2,602 |
| Return on Equity (ROE) | 9.8076% | 2,184 |
| Retained earnings to average equity (ytd only) | 5.3789% | 2,754 |
| Net charge-offs to loans | 0.2451% | 3,653 |
| Credit loss provision to net charge-offs | 110.2941% | 2,779 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,833 |
| Efficiency ratio | 65.8196% | 4,909 |
| Assets per employee ($millions) | 4.3446% | 3,092 |
| Cash dividends to net income (ytd only)* | 45.1560% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 2,203 |
| Loan loss allowance to noncurrent loans | 2,286.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 6,981 |
| Noncurrent loans to loans | 0.0902% | 6,755 |
| Net loans and leases to total assets | 50.0023% | 5,821 |
| Net loans and leases to deposits | 57.9282% | 5,944 |
| Net loans and leases to core deposits | 62.4597% | 5,865 |
| Total domestic deposits to total assets | 86.3177% | 3,145 |
| Equity capital to assets | 11.6743% | 2,346 |
| Core capital (leverage) ratio | 11.2536% | 2,074 |
| Tier 1 risk-based capital ratio | 17.0160% | 2,513 |
| Total risk-based capital ratio | 18.2700% | 2,489 |
| Memoranda: | ||
| Average total assets | $106,335,000 | 4,794 |
| Average earning assets | $98,216,670 | 4,751 |
| Average equity | $12,419,000 | 4,446 |
| Average total loans | $55,484,000 | 5,151 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 5,803 |
| Cost of funding earning assets | 0.4346% | 7,149 |
| Net interest margin | 3.9316% | 2,993 |
| Noninterest income to average assets | 0.6654% | 2,754 |
| Noninterest expense to average assets | 3.2245% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0951% | 1,858 |
| Return on assets (ROA) | 1.0951% | 1,902 |
| Pretax return on assets | 1.0875% | 2,802 |
| Return on Equity (ROE) | 9.3746% | 2,323 |
| Retained earnings to average equity (ytd only) | 6.6078% | 2,319 |
| Net charge-offs to loans | -0.0288% | 6,702 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9295% | 4,288 |
| Assets per employee ($millions) | 4.0606% | 3,716 |
| Cash dividends to net income (ytd only)* | 29.5139% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1725% | 2,023 |
| Loan loss allowance to noncurrent loans | 2,280.0000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 7,049 |
| Noncurrent loans to loans | 0.0953% | 6,806 |
| Net loans and leases to total assets | 48.6233% | 6,002 |
| Net loans and leases to deposits | 56.4097% | 6,093 |
| Net loans and leases to core deposits | 60.7029% | 6,048 |
| Total domestic deposits to total assets | 86.1965% | 3,402 |
| Equity capital to assets | 11.7386% | 2,090 |
| Core capital (leverage) ratio | 11.1528% | 2,072 |
| Tier 1 risk-based capital ratio | 18.9995% | 1,803 |
| Total risk-based capital ratio | 20.2638% | 1,761 |
| Memoranda: | ||
| Average total assets | $105,195,000 | 4,860 |
| Average earning assets | $97,568,000 | 4,801 |
| Average equity | $12,288,500 | 4,486 |
| Average total loans | $55,499,500 | 5,196 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 5,844 |
| Cost of funding earning assets | 0.5556% | 7,217 |
| Net interest margin | 4.1312% | 2,446 |
| Noninterest income to average assets | 0.8417% | 2,093 |
| Noninterest expense to average assets | 3.0950% | 3,478 |
| Loan and lease loss provision to assets | 0.5309% | 3,027 |
| Net operating income to assets | 0.9956% | 2,052 |
| Return on assets (ROA) | 0.9956% | 2,157 |
| Pretax return on assets | 1.0404% | 2,809 |
| Return on Equity (ROE) | 8.5482% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.5789% | 2,073 |
| Net charge-offs to loans | 0.2570% | 4,748 |
| Credit loss provision to net charge-offs | 392.0863% | 629 |
| Earnings coverage of net charge-offs (x) | 11.6043% | 1,591 |
| Efficiency ratio | 61.7537% | 5,770 |
| Assets per employee ($millions) | 3.8820% | 4,044 |
| Cash dividends to net income (ytd only)* | 34.7358% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 2,442 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 6,868 |
| Noncurrent loans to loans | 0.0820% | 6,928 |
| Net loans and leases to total assets | 54.7527% | 5,533 |
| Net loans and leases to deposits | 63.4490% | 5,693 |
| Net loans and leases to core deposits | 71.7246% | 5,239 |
| Total domestic deposits to total assets | 86.2939% | 3,205 |
| Equity capital to assets | 11.6243% | 2,174 |
| Core capital (leverage) ratio | 11.3796% | 1,906 |
| Tier 1 risk-based capital ratio | 17.2275% | 2,256 |
| Total risk-based capital ratio | 18.4818% | 2,223 |
| Memoranda: | ||
| Average total assets | $102,649,000 | 4,905 |
| Average earning assets | $95,033,600 | 4,863 |
| Average equity | $11,955,800 | 4,624 |
| Average total loans | $54,088,600 | 5,313 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 6,178 |
| Cost of funding earning assets | 0.5816% | 7,322 |
| Net interest margin | 4.0724% | 2,746 |
| Noninterest income to average assets | 0.7913% | 2,281 |
| Noninterest expense to average assets | 3.1704% | 3,025 |
| Loan and lease loss provision to assets | 0.2154% | 4,909 |
| Net operating income to assets | 1.1399% | 1,767 |
| Return on assets (ROA) | 1.1399% | 1,876 |
| Pretax return on assets | 1.1909% | 2,524 |
| Return on Equity (ROE) | 9.7823% | 2,212 |
| Retained earnings to average equity (ytd only) | 7.2611% | 1,718 |
| Net charge-offs to loans | 0.2215% | 4,614 |
| Credit loss provision to net charge-offs | 187.5000% | 1,921 |
| Earnings coverage of net charge-offs (x) | 12.2386% | 1,708 |
| Efficiency ratio | 64.5934% | 5,130 |
| Assets per employee ($millions) | 3.7378% | 4,419 |
| Cash dividends to net income (ytd only)* | 25.7730% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 4,154 |
| Loan loss allowance to noncurrent loans | 132.9489% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 5,702 |
| Noncurrent loans to loans | 1.0981% | 5,046 |
| Net loans and leases to total assets | 53.9719% | 5,853 |
| Net loans and leases to deposits | 65.9902% | 5,669 |
| Net loans and leases to core deposits | 75.5402% | 5,114 |
| Total domestic deposits to total assets | 81.7877% | 5,080 |
| Equity capital to assets | 12.2274% | 2,024 |
| Core capital (leverage) ratio | 11.4565% | 1,967 |
| Tier 1 risk-based capital ratio | 17.6379% | 2,130 |
| Total risk-based capital ratio | 18.8810% | 2,104 |
| Memoranda: | ||
| Average total assets | $102,107,500 | 4,986 |
| Average earning assets | $94,912,750 | 4,931 |
| Average equity | $11,898,750 | 4,706 |
| Average total loans | $52,979,500 | 5,439 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 6,386 |
| Cost of funding earning assets | 0.5986% | 7,410 |
| Net interest margin | 4.0279% | 2,884 |
| Noninterest income to average assets | 0.8605% | 1,838 |
| Noninterest expense to average assets | 3.1531% | 3,077 |
| Loan and lease loss provision to assets | 0.2244% | 4,660 |
| Net operating income to assets | 1.1590% | 1,677 |
| Return on assets (ROA) | 1.1590% | 1,736 |
| Pretax return on assets | 1.2117% | 2,376 |
| Return on Equity (ROE) | 10.1092% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.3862% | 1,680 |
| Net charge-offs to loans | 0.2337% | 4,204 |
| Credit loss provision to net charge-offs | 188.5246% | 2,092 |
| Earnings coverage of net charge-offs (x) | 12.0656% | 1,705 |
| Efficiency ratio | 64.0306% | 5,331 |
| Assets per employee ($millions) | 3.9030% | 3,970 |
| Cash dividends to net income (ytd only)* | 26.9360% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 4,074 |
| Loan loss allowance to noncurrent loans | 155.8648% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 6,218 |
| Noncurrent loans to loans | 0.9420% | 5,415 |
| Net loans and leases to total assets | 51.8462% | 6,227 |
| Net loans and leases to deposits | 66.3250% | 5,768 |
| Net loans and leases to core deposits | 71.9651% | 5,674 |
| Total domestic deposits to total assets | 78.1699% | 6,230 |
| Equity capital to assets | 11.8665% | 2,170 |
| Core capital (leverage) ratio | 11.2248% | 2,084 |
| Tier 1 risk-based capital ratio | 17.6148% | 2,073 |
| Total risk-based capital ratio | 18.8499% | 2,043 |
| Memoranda: | ||
| Average total assets | $102,503,000 | 5,004 |
| Average earning assets | $94,889,000 | 4,963 |
| Average equity | $11,751,670 | 4,744 |
| Average total loans | $52,214,000 | 5,502 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 6,672 |
| Cost of funding earning assets | 0.6162% | 7,513 |
| Net interest margin | 3.9363% | 3,167 |
| Noninterest income to average assets | 0.6135% | 3,180 |
| Noninterest expense to average assets | 3.1296% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0833% | 1,883 |
| Return on assets (ROA) | 1.0833% | 1,964 |
| Pretax return on assets | 1.1299% | 2,631 |
| Return on Equity (ROE) | 9.6153% | 2,240 |
| Retained earnings to average equity (ytd only) | 7.3752% | 1,987 |
| Net charge-offs to loans | -0.0155% | 7,008 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4594% | 4,636 |
| Assets per employee ($millions) | 3.7690% | 4,381 |
| Cash dividends to net income (ytd only)* | 23.2975% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 4,329 |
| Loan loss allowance to noncurrent loans | 127.7487% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 6,099 |
| Noncurrent loans to loans | 1.1105% | 5,135 |
| Net loans and leases to total assets | 49.9833% | 6,464 |
| Net loans and leases to deposits | 63.4939% | 6,107 |
| Net loans and leases to core deposits | 68.6030% | 6,047 |
| Total domestic deposits to total assets | 78.7214% | 6,146 |
| Equity capital to assets | 11.5149% | 2,348 |
| Core capital (leverage) ratio | 10.6003% | 2,534 |
| Tier 1 risk-based capital ratio | 17.3557% | 2,121 |
| Total risk-based capital ratio | 18.5205% | 2,120 |
| Memoranda: | ||
| Average total assets | $103,015,000 | 5,064 |
| Average earning assets | $95,419,500 | 5,007 |
| Average equity | $11,606,500 | 4,815 |
| Average total loans | $51,622,500 | 5,603 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2460% | 5,434 |
| Cost of funding earning assets | 0.8244% | 7,521 |
| Net interest margin | 4.4216% | 1,375 |
| Noninterest income to average assets | 0.8782% | 2,035 |
| Noninterest expense to average assets | 3.3546% | 2,819 |
| Loan and lease loss provision to assets | 0.6228% | 3,314 |
| Net operating income to assets | 0.9298% | 2,079 |
| Return on assets (ROA) | 1.0028% | 1,877 |
| Pretax return on assets | 1.0418% | 2,451 |
| Return on Equity (ROE) | 8.4025% | 2,238 |
| Retained earnings to average equity (ytd only) | 5.3953% | 1,625 |
| Net charge-offs to loans | 0.7906% | 2,847 |
| Credit loss provision to net charge-offs | 150.5102% | 3,079 |
| Earnings coverage of net charge-offs (x) | 3.8393% | 3,178 |
| Efficiency ratio | 63.1860% | 5,931 |
| Assets per employee ($millions) | 3.5954% | 4,792 |
| Cash dividends to net income (ytd only)* | 35.7895% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 4,158 |
| Loan loss allowance to noncurrent loans | 137.2180% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 6,179 |
| Noncurrent loans to loans | 1.0300% | 5,259 |
| Net loans and leases to total assets | 48.8347% | 6,745 |
| Net loans and leases to deposits | 60.6737% | 6,587 |
| Net loans and leases to core deposits | 69.7612% | 6,790 |
| Total domestic deposits to total assets | 80.4874% | 5,521 |
| Equity capital to assets | 11.0247% | 2,695 |
| Core capital (leverage) ratio | 10.8780% | 2,297 |
| Tier 1 risk-based capital ratio | 17.0937% | 2,129 |
| Total risk-based capital ratio | 18.2687% | 2,109 |
| Memoranda: | ||
| Average total assets | $94,736,600 | 5,248 |
| Average earning assets | $87,095,400 | 5,224 |
| Average equity | $11,306,200 | 4,938 |
| Average total loans | $49,581,600 | 5,692 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 4,905 |
| Cost of funding earning assets | 0.8762% | 7,599 |
| Net interest margin | 4.5317% | 1,117 |
| Noninterest income to average assets | 0.8792% | 2,064 |
| Noninterest expense to average assets | 3.4244% | 2,496 |
| Loan and lease loss provision to assets | 0.5486% | 3,193 |
| Net operating income to assets | 1.0265% | 1,975 |
| Return on assets (ROA) | 1.0265% | 2,038 |
| Pretax return on assets | 1.0727% | 2,663 |
| Return on Equity (ROE) | 8.4198% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.1039% | 2,425 |
| Net charge-offs to loans | 1.0652% | 1,864 |
| Credit loss provision to net charge-offs | 96.9388% | 5,270 |
| Earnings coverage of net charge-offs (x) | 2.8648% | 3,790 |
| Efficiency ratio | 63.1760% | 5,895 |
| Assets per employee ($millions) | 3.1381% | 5,815 |
| Cash dividends to net income (ytd only)* | 39.3806% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 6,097 |
| Loan loss allowance to noncurrent loans | 60.3949% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 5,244 |
| Noncurrent loans to loans | 1.7090% | 4,078 |
| Net loans and leases to total assets | 52.9625% | 6,501 |
| Net loans and leases to deposits | 67.0179% | 6,210 |
| Net loans and leases to core deposits | 77.3275% | 6,537 |
| Total domestic deposits to total assets | 79.0274% | 5,795 |
| Equity capital to assets | 12.1444% | 2,157 |
| Core capital (leverage) ratio | 11.0975% | 2,337 |
| Tier 1 risk-based capital ratio | 17.3548% | 2,167 |
| Total risk-based capital ratio | 18.2237% | 2,233 |
| Memoranda: | ||
| Average total assets | $92,354,250 | 5,354 |
| Average earning assets | $84,911,000 | 5,341 |
| Average equity | $11,259,000 | 4,999 |
| Average total loans | $49,065,000 | 5,758 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4766% | 4,744 |
| Cost of funding earning assets | 0.9108% | 7,682 |
| Net interest margin | 4.5658% | 1,022 |
| Noninterest income to average assets | 0.9002% | 1,992 |
| Noninterest expense to average assets | 3.6640% | 1,909 |
| Loan and lease loss provision to assets | 0.0872% | 6,296 |
| Net operating income to assets | 1.2882% | 1,257 |
| Return on assets (ROA) | 1.2882% | 1,345 |
| Pretax return on assets | 1.3339% | 1,918 |
| Return on Equity (ROE) | 10.5526% | 1,834 |
| Retained earnings to average equity (ytd only) | 7.1601% | 1,522 |
| Net charge-offs to loans | -0.0165% | 7,667 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3811% | 5,276 |
| Assets per employee ($millions) | 3.3007% | 5,319 |
| Cash dividends to net income (ytd only)* | 32.1489% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 5,019 |
| Loan loss allowance to noncurrent loans | 538.3178% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 7,290 |
| Noncurrent loans to loans | 0.2209% | 6,959 |
| Net loans and leases to total assets | 50.0037% | 6,873 |
| Net loans and leases to deposits | 63.5369% | 6,610 |
| Net loans and leases to core deposits | 72.4758% | 6,871 |
| Total domestic deposits to total assets | 78.7002% | 5,898 |
| Equity capital to assets | 11.8890% | 2,266 |
| Core capital (leverage) ratio | 11.3949% | 2,136 |
| Tier 1 risk-based capital ratio | 17.3321% | 2,201 |
| Total risk-based capital ratio | 18.3013% | 2,232 |
| Memoranda: | ||
| Average total assets | $91,758,330 | 5,412 |
| Average earning assets | $84,103,670 | 5,410 |
| Average equity | $11,201,000 | 5,032 |
| Average total loans | $48,626,670 | 5,822 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6524% | 4,036 |
| Cost of funding earning assets | 1.0206% | 7,641 |
| Net interest margin | 4.6318% | 890 |
| Noninterest income to average assets | 0.8733% | 1,968 |
| Noninterest expense to average assets | 3.6579% | 1,734 |
| Loan and lease loss provision to assets | 0.1782% | 4,678 |
| Net operating income to assets | 1.2475% | 1,514 |
| Return on assets (ROA) | 1.2475% | 1,623 |
| Pretax return on assets | 1.2832% | 2,336 |
| Return on Equity (ROE) | 10.0796% | 2,284 |
| Retained earnings to average equity (ytd only) | 6.4798% | 2,423 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 5,200 |
| Assets per employee ($millions) | 3.0123% | 6,120 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 4,766 |
| Loan loss allowance to noncurrent loans | 529.6296% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 7,230 |
| Noncurrent loans to loans | 0.2276% | 6,884 |
| Net loans and leases to total assets | 51.8712% | 6,697 |
| Net loans and leases to deposits | 61.6103% | 6,766 |
| Net loans and leases to core deposits | 71.2624% | 6,948 |
| Total domestic deposits to total assets | 84.1924% | 3,606 |
| Equity capital to assets | 12.3750% | 2,044 |
| Core capital (leverage) ratio | 11.1658% | 2,369 |
| Tier 1 risk-based capital ratio | 17.5604% | 2,172 |
| Total risk-based capital ratio | 18.5639% | 2,187 |
| Memoranda: | ||
| Average total assets | $89,778,000 | 5,492 |
| Average earning assets | $82,301,000 | 5,479 |
| Average equity | $11,111,500 | 5,075 |
| Average total loans | $48,720,500 | 5,852 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 5,335 |
| Cost of funding earning assets | 1.4410% | 7,693 |
| Net interest margin | 4.6026% | 1,171 |
| Noninterest income to average assets | 1.0547% | 1,411 |
| Noninterest expense to average assets | 3.7128% | 1,932 |
| Loan and lease loss provision to assets | 0.3587% | 3,532 |
| Net operating income to assets | 1.1114% | 2,102 |
| Return on assets (ROA) | 1.1114% | 2,019 |
| Pretax return on assets | 1.1397% | 2,877 |
| Return on Equity (ROE) | 8.7937% | 2,714 |
| Retained earnings to average equity (ytd only) | 3.2113% | 3,150 |
| Net charge-offs to loans | 0.5112% | 2,308 |
| Credit loss provision to net charge-offs | 126.1411% | 4,233 |
| Earnings coverage of net charge-offs (x) | 5.2697% | 3,707 |
| Efficiency ratio | 66.3120% | 5,059 |
| Assets per employee ($millions) | 3.0754% | 5,848 |
| Cash dividends to net income (ytd only)* | 63.4820% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 5,520 |
| Loan loss allowance to noncurrent loans | 364.3836% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 6,912 |
| Noncurrent loans to loans | 0.2920% | 6,502 |
| Net loans and leases to total assets | 55.4581% | 6,490 |
| Net loans and leases to deposits | 65.2361% | 6,696 |
| Net loans and leases to core deposits | 78.2738% | 6,738 |
| Total domestic deposits to total assets | 85.0114% | 2,837 |
| Equity capital to assets | 12.3783% | 2,074 |
| Core capital (leverage) ratio | 11.7333% | 2,107 |
| Tier 1 risk-based capital ratio | 16.6894% | 2,421 |
| Total risk-based capital ratio | 17.5961% | 2,478 |
| Memoranda: | ||
| Average total assets | $84,760,800 | 5,525 |
| Average earning assets | $76,544,400 | 5,562 |
| Average equity | $10,712,200 | 5,211 |
| Average total loans | $47,141,000 | 5,819 |