Home > Hyden Citizens Bank > Performance and Condition Ratios
Hyden Citizens 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 | 4.9395% | 2,196 |
| Cost of funding earning assets | 1.4145% | 2,192 |
| Net interest margin | 3.5250% | 2,134 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.9567% | 1,180 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7746% | 2,964 |
| Return on assets (ROA) | 0.7774% | 2,927 |
| Pretax return on assets | 0.7774% | 3,264 |
| Return on Equity (ROE) | 20.3600% | 586 |
| Retained earnings to average equity (ytd only) | 0.2367% | 3,998 |
| Net charge-offs to loans | 0.0640% | 1,213 |
| Credit loss provision to net charge-offs | 168.7500% | 1,357 |
| Earnings coverage of net charge-offs (x) | 24.9375% | 1,741 |
| Efficiency ratio | 78.0327% | 1,069 |
| Assets per employee ($millions) | 4.5301% | 3,936 |
| Cash dividends to net income (ytd only)* | 98.8372% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,032 |
| Loan loss allowance to noncurrent loans | 349.8233% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 2,247 |
| Noncurrent loans to loans | 0.3566% | 1,915 |
| Net loans and leases to total assets | 54.0600% | 3,344 |
| Net loans and leases to deposits | 60.1891% | 3,510 |
| Net loans and leases to core deposits | 68.4620% | 3,375 |
| Total domestic deposits to total assets | 89.8200% | 809 |
| Equity capital to assets | 4.6102% | 4,456 |
| Core capital (leverage) ratio | 8.8531% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5907% | 2,382 |
| Memoranda: | ||
| Average total assets | $143,808,800 | 3,425 |
| Average earning assets | $132,909,200 | 3,418 |
| Average equity | $5,491,200 | 4,215 |
| Average total loans | $75,050,800 | 3,478 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 2,040 |
| Cost of funding earning assets | 1.3381% | 2,036 |
| Net interest margin | 3.5706% | 2,071 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.9449% | 1,147 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8407% | 2,894 |
| Return on assets (ROA) | 0.8435% | 2,868 |
| Pretax return on assets | 0.8435% | 3,235 |
| Return on Equity (ROE) | 23.3100% | 470 |
| Retained earnings to average equity (ytd only) | -1.9769% | 4,317 |
| Net charge-offs to loans | 0.0270% | 1,530 |
| Credit loss provision to net charge-offs | 373.3333% | 755 |
| Earnings coverage of net charge-offs (x) | 64.0667% | 1,165 |
| Efficiency ratio | 76.7369% | 1,112 |
| Assets per employee ($millions) | 4.1716% | 4,090 |
| Cash dividends to net income (ytd only)* | 108.4802% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,666 |
| Loan loss allowance to noncurrent loans | 291.8129% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 2,047 |
| Noncurrent loans to loans | 0.4612% | 1,668 |
| Net loans and leases to total assets | 51.5700% | 3,524 |
| Net loans and leases to deposits | 56.5187% | 3,684 |
| Net loans and leases to core deposits | 64.3612% | 3,510 |
| Total domestic deposits to total assets | 91.2500% | 609 |
| Equity capital to assets | 2.7468% | 4,508 |
| Core capital (leverage) ratio | 8.7442% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6135% | 2,418 |
| Memoranda: | ||
| Average total assets | $143,520,500 | 3,431 |
| Average earning assets | $132,223,250 | 3,434 |
| Average equity | $5,193,250 | 4,257 |
| Average total loans | $73,974,750 | 3,500 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 1,923 |
| Cost of funding earning assets | 1.2009% | 1,990 |
| Net interest margin | 3.6311% | 1,968 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.8997% | 1,210 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9564% | 2,558 |
| Return on assets (ROA) | 0.9592% | 2,542 |
| Pretax return on assets | 0.9592% | 3,020 |
| Return on Equity (ROE) | 24.5700% | 400 |
| Retained earnings to average equity (ytd only) | -1.2443% | 4,236 |
| Net charge-offs to loans | 0.0298% | 1,295 |
| Credit loss provision to net charge-offs | 318.1818% | 836 |
| Earnings coverage of net charge-offs (x) | 65.8182% | 1,143 |
| Efficiency ratio | 74.2624% | 1,321 |
| Assets per employee ($millions) | 4.1943% | 4,101 |
| Cash dividends to net income (ytd only)* | 105.0651% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 1,847 |
| Loan loss allowance to noncurrent loans | 248.3544% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 1,814 |
| Noncurrent loans to loans | 0.5312% | 1,403 |
| Net loans and leases to total assets | 51.4500% | 3,451 |
| Net loans and leases to deposits | 56.3335% | 3,624 |
| Net loans and leases to core deposits | 63.0012% | 3,498 |
| Total domestic deposits to total assets | 91.3400% | 543 |
| Equity capital to assets | 3.7488% | 4,527 |
| Core capital (leverage) ratio | 8.7099% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4374% | 2,486 |
| Memoranda: | ||
| Average total assets | $144,082,000 | 3,440 |
| Average earning assets | $133,236,667 | 3,435 |
| Average equity | $5,625,667 | 4,235 |
| Average total loans | $73,916,667 | 3,506 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 1,720 |
| Cost of funding earning assets | 1.1019% | 1,747 |
| Net interest margin | 3.6561% | 2,001 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.8615% | 1,315 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0468% | 2,396 |
| Return on assets (ROA) | 1.0496% | 2,350 |
| Pretax return on assets | 1.0496% | 2,856 |
| Return on Equity (ROE) | 26.3600% | 347 |
| Retained earnings to average equity (ytd only) | -2.1507% | 4,212 |
| Net charge-offs to loans | 0.0271% | 1,150 |
| Credit loss provision to net charge-offs | 300.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 78.8000% | 900 |
| Efficiency ratio | 72.4476% | 1,500 |
| Assets per employee ($millions) | 4.2704% | 4,138 |
| Cash dividends to net income (ytd only)* | 108.1579% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,091 |
| Loan loss allowance to noncurrent loans | 241.7500% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 1,766 |
| Noncurrent loans to loans | 0.5330% | 1,388 |
| Net loans and leases to total assets | 51.0200% | 3,418 |
| Net loans and leases to deposits | 57.3410% | 3,485 |
| Net loans and leases to core deposits | 63.7786% | 3,362 |
| Total domestic deposits to total assets | 88.9800% | 1,552 |
| Equity capital to assets | 4.2605% | 4,522 |
| Core capital (leverage) ratio | 8.6604% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3187% | 2,623 |
| Memoranda: | ||
| Average total assets | $144,819,500 | 3,476 |
| Average earning assets | $133,584,000 | 3,475 |
| Average equity | $5,765,500 | 4,274 |
| Average total loans | $73,697,000 | 3,549 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 1,253 |
| Cost of funding earning assets | 0.6459% | 728 |
| Net interest margin | 3.5526% | 1,776 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.7619% | 1,409 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0041% | 2,552 |
| Return on assets (ROA) | 1.0110% | 2,476 |
| Pretax return on assets | 1.0110% | 3,046 |
| Return on Equity (ROE) | 17.8700% | 725 |
| Retained earnings to average equity (ytd only) | 4.6480% | 3,196 |
| Net charge-offs to loans | 0.0101% | 1,992 |
| Credit loss provision to net charge-offs | 871.4286% | 470 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 620 |
| Efficiency ratio | 72.5241% | 1,385 |
| Assets per employee ($millions) | 4.2484% | 4,174 |
| Cash dividends to net income (ytd only)* | 73.9904% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 1,792 |
| Loan loss allowance to noncurrent loans | 199.3750% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 1,520 |
| Noncurrent loans to loans | 0.6635% | 1,122 |
| Net loans and leases to total assets | 49.4200% | 3,551 |
| Net loans and leases to deposits | 56.0924% | 3,571 |
| Net loans and leases to core deposits | 62.3306% | 3,369 |
| Total domestic deposits to total assets | 88.1100% | 2,034 |
| Equity capital to assets | 3.7003% | 4,550 |
| Core capital (leverage) ratio | 8.8287% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5267% | 2,560 |
| Memoranda: | ||
| Average total assets | $144,503,400 | 3,496 |
| Average earning assets | $132,832,200 | 3,498 |
| Average equity | $8,175,600 | 4,083 |
| Average total loans | $69,550,800 | 3,586 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 1,163 |
| Cost of funding earning assets | 0.5641% | 538 |
| Net interest margin | 3.4840% | 1,711 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.7751% | 1,298 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9429% | 2,690 |
| Return on assets (ROA) | 0.9512% | 2,634 |
| Pretax return on assets | 0.9512% | 3,179 |
| Return on Equity (ROE) | 15.4700% | 1,085 |
| Retained earnings to average equity (ytd only) | 1.0506% | 4,207 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.7978% | 1,298 |
| Assets per employee ($millions) | 4.1892% | 4,227 |
| Cash dividends to net income (ytd only)* | 93.2105% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 1,759 |
| Loan loss allowance to noncurrent loans | 187.5494% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 1,527 |
| Noncurrent loans to loans | 0.7257% | 1,124 |
| Net loans and leases to total assets | 48.2900% | 3,598 |
| Net loans and leases to deposits | 55.4449% | 3,521 |
| Net loans and leases to core deposits | 60.4222% | 3,350 |
| Total domestic deposits to total assets | 87.0900% | 2,732 |
| Equity capital to assets | 3.2661% | 4,569 |
| Core capital (leverage) ratio | 8.6257% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3538% | 2,704 |
| Memoranda: | ||
| Average total assets | $144,517,750 | 3,519 |
| Average earning assets | $132,832,500 | 3,517 |
| Average equity | $8,883,250 | 4,050 |
| Average total loans | $68,852,750 | 3,610 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 1,028 |
| Cost of funding earning assets | 0.5153% | 476 |
| Net interest margin | 3.4333% | 1,503 |
| Noninterest income to average assets | 0.5523% | 1,937 |
| Noninterest expense to average assets | 2.7381% | 1,299 |
| Loan and lease loss provision to assets | 0.0413% | 1,835 |
| Net operating income to assets | 0.9297% | 2,446 |
| Return on assets (ROA) | 0.9421% | 2,367 |
| Pretax return on assets | 0.9421% | 2,919 |
| Return on Equity (ROE) | 13.2897% | 1,298 |
| Retained earnings to average equity (ytd only) | -0.5635% | 4,249 |
| Net charge-offs to loans | -0.0029% | 3,198 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8210% | 1,530 |
| Assets per employee ($millions) | 4.2504% | 4,240 |
| Cash dividends to net income (ytd only)* | 104.2398% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,013 |
| Loan loss allowance to noncurrent loans | 226.6990% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 1,872 |
| Noncurrent loans to loans | 0.5905% | 1,433 |
| Net loans and leases to total assets | 47.6341% | 3,580 |
| Net loans and leases to deposits | 53.1440% | 3,596 |
| Net loans and leases to core deposits | 58.7510% | 3,370 |
| Total domestic deposits to total assets | 89.6321% | 1,882 |
| Equity capital to assets | 5.0431% | 4,466 |
| Core capital (leverage) ratio | 8.6140% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5685% | 2,655 |
| Memoranda: | ||
| Average total assets | $145,212,333 | 3,549 |
| Average earning assets | $133,516,333 | 3,559 |
| Average equity | $10,293,667 | 3,949 |
| Average total loans | $68,562,333 | 3,641 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 1,050 |
| Cost of funding earning assets | 0.5012% | 491 |
| Net interest margin | 3.3202% | 1,526 |
| Noninterest income to average assets | 0.5111% | 2,091 |
| Noninterest expense to average assets | 2.7068% | 1,345 |
| Loan and lease loss provision to assets | 0.0412% | 1,613 |
| Net operating income to assets | 0.8216% | 2,589 |
| Return on assets (ROA) | 0.8464% | 2,488 |
| Pretax return on assets | 0.8464% | 2,956 |
| Return on Equity (ROE) | 10.4438% | 1,810 |
| Retained earnings to average equity (ytd only) | -3.3908% | 4,338 |
| Net charge-offs to loans | -0.0235% | 3,989 |
| Credit loss provision to net charge-offs | -375.0000% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8276% | 1,547 |
| Assets per employee ($millions) | 4.2979% | 4,251 |
| Cash dividends to net income (ytd only)* | 132.4675% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,091 |
| Loan loss allowance to noncurrent loans | 290.2516% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 2,339 |
| Noncurrent loans to loans | 0.4672% | 1,854 |
| Net loans and leases to total assets | 45.9501% | 3,583 |
| Net loans and leases to deposits | 52.0774% | 3,563 |
| Net loans and leases to core deposits | 57.5871% | 3,335 |
| Total domestic deposits to total assets | 88.2343% | 2,419 |
| Equity capital to assets | 6.8406% | 4,284 |
| Core capital (leverage) ratio | 8.7118% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6185% | 2,739 |
| Memoranda: | ||
| Average total assets | $145,561,500 | 3,560 |
| Average earning assets | $134,086,500 | 3,578 |
| Average equity | $11,796,500 | 3,880 |
| Average total loans | $67,957,500 | 3,660 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 1,484 |
| Cost of funding earning assets | 0.5424% | 743 |
| Net interest margin | 3.4098% | 1,997 |
| Noninterest income to average assets | 0.4963% | 2,587 |
| Noninterest expense to average assets | 2.7030% | 1,629 |
| Loan and lease loss provision to assets | 0.0664% | 1,738 |
| Net operating income to assets | 0.8555% | 3,169 |
| Return on assets (ROA) | 0.9954% | 2,761 |
| Pretax return on assets | 0.9954% | 3,269 |
| Return on Equity (ROE) | 10.5163% | 2,340 |
| Retained earnings to average equity (ytd only) | 2.7278% | 3,750 |
| Net charge-offs to loans | 0.0336% | 1,563 |
| Credit loss provision to net charge-offs | 400.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 1,232 |
| Efficiency ratio | 74.5656% | 1,246 |
| Assets per employee ($millions) | 4.2646% | 4,290 |
| Cash dividends to net income (ytd only)* | 74.0612% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,234 |
| Loan loss allowance to noncurrent loans | 194.1935% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 1,955 |
| Noncurrent loans to loans | 0.6854% | 1,466 |
| Net loans and leases to total assets | 46.1692% | 3,677 |
| Net loans and leases to deposits | 54.2651% | 3,578 |
| Net loans and leases to core deposits | 58.6746% | 3,421 |
| Total domestic deposits to total assets | 85.0809% | 3,246 |
| Equity capital to assets | 9.3776% | 3,247 |
| Core capital (leverage) ratio | 8.8167% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0967% | 2,597 |
| Memoranda: | ||
| Average total assets | $144,470,000 | 3,539 |
| Average earning assets | $132,558,000 | 3,547 |
| Average equity | $13,674,000 | 3,771 |
| Average total loans | $71,451,000 | 3,618 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 1,551 |
| Cost of funding earning assets | 0.5543% | 812 |
| Net interest margin | 3.4381% | 2,048 |
| Noninterest income to average assets | 0.4896% | 2,669 |
| Noninterest expense to average assets | 2.7342% | 1,501 |
| Loan and lease loss provision to assets | 0.0672% | 1,659 |
| Net operating income to assets | 0.8332% | 3,438 |
| Return on assets (ROA) | 1.0096% | 2,934 |
| Pretax return on assets | 1.0096% | 3,429 |
| Return on Equity (ROE) | 10.6424% | 2,503 |
| Retained earnings to average equity (ytd only) | 1.4411% | 4,321 |
| Net charge-offs to loans | 0.0147% | 1,794 |
| Credit loss provision to net charge-offs | 912.5000% | 535 |
| Earnings coverage of net charge-offs (x) | 121.8750% | 769 |
| Efficiency ratio | 75.2224% | 1,098 |
| Assets per employee ($millions) | 4.6324% | 4,025 |
| Cash dividends to net income (ytd only)* | 86.4593% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,683 |
| Loan loss allowance to noncurrent loans | 214.8681% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 2,371 |
| Noncurrent loans to loans | 0.5866% | 1,843 |
| Net loans and leases to total assets | 47.3495% | 3,686 |
| Net loans and leases to deposits | 59.2943% | 3,298 |
| Net loans and leases to core deposits | 64.5019% | 3,084 |
| Total domestic deposits to total assets | 79.8551% | 4,249 |
| Equity capital to assets | 9.1941% | 3,659 |
| Core capital (leverage) ratio | 8.6921% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8811% | 2,744 |
| Memoranda: | ||
| Average total assets | $144,338,750 | 3,577 |
| Average earning assets | $132,044,750 | 3,595 |
| Average equity | $13,693,250 | 3,819 |
| Average total loans | $72,352,250 | 3,661 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 1,476 |
| Cost of funding earning assets | 0.5598% | 907 |
| Net interest margin | 3.4780% | 1,924 |
| Noninterest income to average assets | 0.4838% | 2,695 |
| Noninterest expense to average assets | 2.7601% | 1,443 |
| Loan and lease loss provision to assets | 0.0699% | 1,654 |
| Net operating income to assets | 0.8417% | 3,388 |
| Return on assets (ROA) | 0.9634% | 3,103 |
| Pretax return on assets | 0.9634% | 3,515 |
| Return on Equity (ROE) | 10.0476% | 2,723 |
| Retained earnings to average equity (ytd only) | 0.9771% | 4,347 |
| Net charge-offs to loans | 0.0192% | 1,553 |
| Credit loss provision to net charge-offs | 714.2857% | 572 |
| Earnings coverage of net charge-offs (x) | 93.1429% | 779 |
| Efficiency ratio | 75.1714% | 1,154 |
| Assets per employee ($millions) | 4.5842% | 4,034 |
| Cash dividends to net income (ytd only)* | 90.2758% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,928 |
| Loan loss allowance to noncurrent loans | 207.6010% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 2,496 |
| Noncurrent loans to loans | 0.5787% | 1,952 |
| Net loans and leases to total assets | 48.9989% | 3,646 |
| Net loans and leases to deposits | 59.1587% | 3,456 |
| Net loans and leases to core deposits | 62.8445% | 3,389 |
| Total domestic deposits to total assets | 82.8263% | 3,742 |
| Equity capital to assets | 9.5334% | 3,305 |
| Core capital (leverage) ratio | 8.6954% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6832% | 2,815 |
| Memoranda: | ||
| Average total assets | $143,039,667 | 3,599 |
| Average earning assets | $131,109,667 | 3,616 |
| Average equity | $13,714,667 | 3,823 |
| Average total loans | $72,774,667 | 3,672 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 1,628 |
| Cost of funding earning assets | 0.5871% | 927 |
| Net interest margin | 3.4050% | 2,095 |
| Noninterest income to average assets | 0.4561% | 2,804 |
| Noninterest expense to average assets | 2.8128% | 1,341 |
| Loan and lease loss provision to assets | 0.0765% | 1,663 |
| Net operating income to assets | 0.6883% | 3,736 |
| Return on assets (ROA) | 0.8979% | 3,207 |
| Pretax return on assets | 0.8979% | 3,602 |
| Return on Equity (ROE) | 9.3376% | 2,911 |
| Retained earnings to average equity (ytd only) | -2.5921% | 4,576 |
| Net charge-offs to loans | 0.0385% | 1,086 |
| Credit loss provision to net charge-offs | 385.7143% | 666 |
| Earnings coverage of net charge-offs (x) | 38.5714% | 990 |
| Efficiency ratio | 78.6223% | 918 |
| Assets per employee ($millions) | 4.5003% | 4,098 |
| Cash dividends to net income (ytd only)* | 127.7603% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 3,026 |
| Loan loss allowance to noncurrent loans | 178.0335% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 2,475 |
| Noncurrent loans to loans | 0.6636% | 1,913 |
| Net loans and leases to total assets | 49.4306% | 3,681 |
| Net loans and leases to deposits | 57.3357% | 3,691 |
| Net loans and leases to core deposits | 60.8109% | 3,653 |
| Total domestic deposits to total assets | 86.2126% | 2,664 |
| Equity capital to assets | 9.2293% | 3,470 |
| Core capital (leverage) ratio | 8.8700% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1067% | 2,626 |
| Memoranda: | ||
| Average total assets | $141,212,000 | 3,625 |
| Average earning assets | $129,457,000 | 3,637 |
| Average equity | $13,579,500 | 3,837 |
| Average total loans | $72,785,500 | 3,691 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 1,638 |
| Cost of funding earning assets | 0.6941% | 1,741 |
| Net interest margin | 3.6875% | 1,845 |
| Noninterest income to average assets | 0.5018% | 2,627 |
| Noninterest expense to average assets | 2.9542% | 1,534 |
| Loan and lease loss provision to assets | 0.0930% | 3,189 |
| Net operating income to assets | 0.8335% | 2,967 |
| Return on assets (ROA) | 0.9814% | 2,499 |
| Pretax return on assets | 0.9814% | 3,099 |
| Return on Equity (ROE) | 9.7681% | 2,084 |
| Retained earnings to average equity (ytd only) | 1.9354% | 3,856 |
| Net charge-offs to loans | 0.0365% | 2,321 |
| Credit loss provision to net charge-offs | 451.8519% | 1,329 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,291 |
| Efficiency ratio | 76.1250% | 1,213 |
| Assets per employee ($millions) | 4.3255% | 4,094 |
| Cash dividends to net income (ytd only)* | 80.1865% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,303 |
| Loan loss allowance to noncurrent loans | 157.6850% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 2,304 |
| Noncurrent loans to loans | 0.7167% | 1,909 |
| Net loans and leases to total assets | 52.5264% | 3,629 |
| Net loans and leases to deposits | 62.1639% | 3,595 |
| Net loans and leases to core deposits | 66.1652% | 3,529 |
| Total domestic deposits to total assets | 84.4967% | 2,948 |
| Equity capital to assets | 10.0191% | 3,121 |
| Core capital (leverage) ratio | 9.2491% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4860% | 2,451 |
| Memoranda: | ||
| Average total assets | $131,134,800 | 3,615 |
| Average earning assets | $120,162,400 | 3,622 |
| Average equity | $13,175,600 | 3,847 |
| Average total loans | $74,072,400 | 3,656 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 1,715 |
| Cost of funding earning assets | 0.7147% | 1,934 |
| Net interest margin | 3.7308% | 1,837 |
| Noninterest income to average assets | 0.5176% | 2,535 |
| Noninterest expense to average assets | 3.0818% | 1,264 |
| Loan and lease loss provision to assets | 0.0936% | 3,142 |
| Net operating income to assets | 0.7599% | 3,250 |
| Return on assets (ROA) | 0.9599% | 2,621 |
| Pretax return on assets | 0.9599% | 3,200 |
| Return on Equity (ROE) | 9.5466% | 2,187 |
| Retained earnings to average equity (ytd only) | 0.4717% | 4,389 |
| Net charge-offs to loans | 0.0216% | 2,422 |
| Credit loss provision to net charge-offs | 758.3333% | 1,018 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 1,005 |
| Efficiency ratio | 78.3076% | 1,003 |
| Assets per employee ($millions) | 4.2175% | 4,129 |
| Cash dividends to net income (ytd only)* | 95.0591% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,232 |
| Loan loss allowance to noncurrent loans | 121.4605% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 2,034 |
| Noncurrent loans to loans | 0.9026% | 1,657 |
| Net loans and leases to total assets | 54.4802% | 3,760 |
| Net loans and leases to deposits | 64.5803% | 3,748 |
| Net loans and leases to core deposits | 68.8607% | 3,705 |
| Total domestic deposits to total assets | 84.3604% | 2,689 |
| Equity capital to assets | 9.9771% | 3,247 |
| Core capital (leverage) ratio | 9.1969% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3395% | 2,481 |
| Memoranda: | ||
| Average total assets | $129,314,500 | 3,620 |
| Average earning assets | $118,469,500 | 3,631 |
| Average equity | $13,002,500 | 3,869 |
| Average total loans | $74,206,500 | 3,673 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,968 |
| Cost of funding earning assets | 0.7318% | 2,227 |
| Net interest margin | 3.7513% | 1,986 |
| Noninterest income to average assets | 0.5163% | 2,505 |
| Noninterest expense to average assets | 3.0903% | 1,376 |
| Loan and lease loss provision to assets | 0.0957% | 3,074 |
| Net operating income to assets | 0.7659% | 3,173 |
| Return on assets (ROA) | 0.9762% | 2,539 |
| Pretax return on assets | 0.9762% | 3,096 |
| Return on Equity (ROE) | 9.6822% | 2,085 |
| Retained earnings to average equity (ytd only) | -0.4514% | 4,396 |
| Net charge-offs to loans | 0.0162% | 2,413 |
| Credit loss provision to net charge-offs | 1,016.6667% | 782 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 739 |
| Efficiency ratio | 78.1970% | 1,037 |
| Assets per employee ($millions) | 4.3409% | 3,968 |
| Cash dividends to net income (ytd only)* | 104.6624% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,195 |
| Loan loss allowance to noncurrent loans | 148.9642% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 2,462 |
| Noncurrent loans to loans | 0.7232% | 2,069 |
| Net loans and leases to total assets | 53.9708% | 3,876 |
| Net loans and leases to deposits | 63.9230% | 3,889 |
| Net loans and leases to core deposits | 68.1473% | 3,856 |
| Total domestic deposits to total assets | 84.4310% | 2,588 |
| Equity capital to assets | 9.8031% | 3,364 |
| Core capital (leverage) ratio | 9.3303% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7625% | 2,289 |
| Memoranda: | ||
| Average total assets | $127,433,000 | 3,625 |
| Average earning assets | $116,705,000 | 3,641 |
| Average equity | $12,848,333 | 3,890 |
| Average total loans | $74,161,667 | 3,679 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,799 |
| Cost of funding earning assets | 0.7602% | 2,609 |
| Net interest margin | 3.9107% | 1,641 |
| Noninterest income to average assets | 0.6297% | 1,905 |
| Noninterest expense to average assets | 3.2455% | 1,331 |
| Loan and lease loss provision to assets | 0.0969% | 2,474 |
| Net operating income to assets | 0.8590% | 2,665 |
| Return on assets (ROA) | 1.0495% | 2,108 |
| Pretax return on assets | 1.0495% | 2,667 |
| Return on Equity (ROE) | 10.2552% | 1,657 |
| Retained earnings to average equity (ytd only) | -2.8715% | 4,339 |
| Net charge-offs to loans | 0.0429% | 1,601 |
| Credit loss provision to net charge-offs | 375.0000% | 1,044 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,065 |
| Efficiency ratio | 77.2483% | 1,428 |
| Assets per employee ($millions) | 4.0064% | 3,907 |
| Cash dividends to net income (ytd only)* | 128.0000% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,552 |
| Loan loss allowance to noncurrent loans | 169.5749% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 2,434 |
| Noncurrent loans to loans | 0.6068% | 2,470 |
| Net loans and leases to total assets | 58.7006% | 3,618 |
| Net loans and leases to deposits | 70.2922% | 3,566 |
| Net loans and leases to core deposits | 75.0754% | 3,566 |
| Total domestic deposits to total assets | 83.5094% | 2,943 |
| Equity capital to assets | 10.0807% | 3,705 |
| Core capital (leverage) ratio | 9.8595% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6026% | 2,039 |
| Memoranda: | ||
| Average total assets | $123,865,000 | 3,650 |
| Average earning assets | $113,125,000 | 3,663 |
| Average equity | $12,676,500 | 3,920 |
| Average total loans | $74,533,000 | 3,675 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 1,898 |
| Cost of funding earning assets | 0.7787% | 2,780 |
| Net interest margin | 4.0708% | 1,618 |
| Noninterest income to average assets | 0.5573% | 2,438 |
| Noninterest expense to average assets | 3.2124% | 1,495 |
| Loan and lease loss provision to assets | 0.0962% | 2,116 |
| Net operating income to assets | 0.9412% | 3,053 |
| Return on assets (ROA) | 0.9743% | 3,017 |
| Pretax return on assets | 0.9743% | 3,528 |
| Return on Equity (ROE) | 10.0699% | 2,268 |
| Retained earnings to average equity (ytd only) | 3.3403% | 3,339 |
| Net charge-offs to loans | 0.1113% | 1,616 |
| Credit loss provision to net charge-offs | 141.8605% | 1,820 |
| Earnings coverage of net charge-offs (x) | 15.3023% | 2,238 |
| Efficiency ratio | 75.5889% | 1,407 |
| Assets per employee ($millions) | 4.2597% | 3,568 |
| Cash dividends to net income (ytd only)* | 66.8285% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,624 |
| Loan loss allowance to noncurrent loans | 171.1628% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 2,242 |
| Noncurrent loans to loans | 0.5703% | 2,479 |
| Net loans and leases to total assets | 60.4434% | 3,547 |
| Net loans and leases to deposits | 72.2342% | 3,505 |
| Net loans and leases to core deposits | 76.8915% | 3,521 |
| Total domestic deposits to total assets | 83.6771% | 2,963 |
| Equity capital to assets | 10.3884% | 3,552 |
| Core capital (leverage) ratio | 9.8029% | 3,732 |
| Tier 1 risk-based capital ratio | 14.1714% | 3,178 |
| Total risk-based capital ratio | 15.0228% | 3,286 |
| Memoranda: | ||
| Average total assets | $126,854,000 | 3,604 |
| Average earning assets | $115,064,000 | 3,630 |
| Average equity | $12,274,200 | 3,966 |
| Average total loans | $77,239,800 | 3,649 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 1,912 |
| Cost of funding earning assets | 0.7960% | 2,739 |
| Net interest margin | 4.0748% | 1,686 |
| Noninterest income to average assets | 0.5305% | 2,558 |
| Noninterest expense to average assets | 3.2632% | 1,346 |
| Loan and lease loss provision to assets | 0.0950% | 2,016 |
| Net operating income to assets | 0.8604% | 3,484 |
| Return on assets (ROA) | 0.8730% | 3,524 |
| Pretax return on assets | 0.8730% | 3,948 |
| Return on Equity (ROE) | 9.1857% | 2,809 |
| Retained earnings to average equity (ytd only) | 1.4284% | 4,453 |
| Net charge-offs to loans | 0.1356% | 1,185 |
| Credit loss provision to net charge-offs | 115.1899% | 2,023 |
| Earnings coverage of net charge-offs (x) | 11.5824% | 2,433 |
| Efficiency ratio | 77.3515% | 1,171 |
| Assets per employee ($millions) | 4.3635% | 3,392 |
| Cash dividends to net income (ytd only)* | 84.4497% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 3,986 |
| Loan loss allowance to noncurrent loans | 157.8714% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 2,344 |
| Noncurrent loans to loans | 0.5795% | 2,550 |
| Net loans and leases to total assets | 60.9399% | 3,601 |
| Net loans and leases to deposits | 76.1124% | 3,282 |
| Net loans and leases to core deposits | 80.8484% | 3,324 |
| Total domestic deposits to total assets | 80.0657% | 3,975 |
| Equity capital to assets | 10.0173% | 4,002 |
| Core capital (leverage) ratio | 9.5028% | 4,162 |
| Tier 1 risk-based capital ratio | 13.7175% | 3,474 |
| Total risk-based capital ratio | 14.5334% | 3,599 |
| Memoranda: | ||
| Average total assets | $127,684,500 | 3,630 |
| Average earning assets | $115,568,250 | 3,658 |
| Average equity | $12,134,500 | 4,014 |
| Average total loans | $77,699,000 | 3,682 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 1,812 |
| Cost of funding earning assets | 0.8080% | 2,603 |
| Net interest margin | 4.0729% | 1,693 |
| Noninterest income to average assets | 0.5232% | 2,550 |
| Noninterest expense to average assets | 3.2171% | 1,467 |
| Loan and lease loss provision to assets | 0.0937% | 1,976 |
| Net operating income to assets | 0.8964% | 3,297 |
| Return on assets (ROA) | 0.9027% | 3,338 |
| Pretax return on assets | 0.9027% | 3,838 |
| Return on Equity (ROE) | 9.6543% | 2,554 |
| Retained earnings to average equity (ytd only) | -0.1336% | 4,705 |
| Net charge-offs to loans | 0.1623% | 985 |
| Credit loss provision to net charge-offs | 95.2381% | 2,074 |
| Earnings coverage of net charge-offs (x) | 10.0635% | 2,296 |
| Efficiency ratio | 76.4662% | 1,338 |
| Assets per employee ($millions) | 4.2235% | 3,539 |
| Cash dividends to net income (ytd only)* | 101.3841% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 4,041 |
| Loan loss allowance to noncurrent loans | 252.5362% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 2,584 |
| Noncurrent loans to loans | 0.3613% | 3,237 |
| Net loans and leases to total assets | 59.7372% | 3,762 |
| Net loans and leases to deposits | 74.0643% | 3,513 |
| Net loans and leases to core deposits | 78.6349% | 3,529 |
| Total domestic deposits to total assets | 80.6559% | 3,902 |
| Equity capital to assets | 9.7699% | 4,167 |
| Core capital (leverage) ratio | 9.3290% | 4,333 |
| Tier 1 risk-based capital ratio | 14.0243% | 3,305 |
| Total risk-based capital ratio | 14.8504% | 3,423 |
| Memoranda: | ||
| Average total assets | $128,065,670 | 3,646 |
| Average earning assets | $115,839,330 | 3,677 |
| Average equity | $11,974,000 | 4,052 |
| Average total loans | $77,656,670 | 3,701 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 1,747 |
| Cost of funding earning assets | 0.8222% | 2,412 |
| Net interest margin | 4.0322% | 1,746 |
| Noninterest income to average assets | 0.5002% | 2,553 |
| Noninterest expense to average assets | 3.1784% | 1,548 |
| Loan and lease loss provision to assets | 0.0932% | 1,867 |
| Net operating income to assets | 0.8855% | 3,288 |
| Return on assets (ROA) | 0.8855% | 3,345 |
| Pretax return on assets | 0.8855% | 3,815 |
| Return on Equity (ROE) | 9.6844% | 2,502 |
| Retained earnings to average equity (ytd only) | -2.4806% | 4,778 |
| Net charge-offs to loans | 0.1226% | 1,012 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 13.1250% | 1,846 |
| Efficiency ratio | 76.4574% | 1,451 |
| Assets per employee ($millions) | 4.1350% | 3,714 |
| Cash dividends to net income (ytd only)* | 125.6140% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 4,179 |
| Loan loss allowance to noncurrent loans | 154.1485% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 2,457 |
| Noncurrent loans to loans | 0.5808% | 2,596 |
| Net loans and leases to total assets | 60.9677% | 3,606 |
| Net loans and leases to deposits | 75.7940% | 3,278 |
| Net loans and leases to core deposits | 80.4066% | 3,327 |
| Total domestic deposits to total assets | 80.4386% | 4,088 |
| Equity capital to assets | 9.3099% | 4,426 |
| Core capital (leverage) ratio | 9.1401% | 4,532 |
| Tier 1 risk-based capital ratio | 13.5998% | 3,555 |
| Total risk-based capital ratio | 14.4156% | 3,705 |
| Memoranda: | ||
| Average total assets | $128,746,000 | 3,674 |
| Average earning assets | $116,761,500 | 3,700 |
| Average equity | $11,771,500 | 4,092 |
| Average total loans | $78,291,500 | 3,732 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 1,732 |
| Cost of funding earning assets | 0.6841% | 2,183 |
| Net interest margin | 4.0457% | 1,844 |
| Noninterest income to average assets | 0.5712% | 2,442 |
| Noninterest expense to average assets | 3.1755% | 1,614 |
| Loan and lease loss provision to assets | 0.1078% | 2,042 |
| Net operating income to assets | 0.9431% | 3,276 |
| Return on assets (ROA) | 0.9384% | 3,281 |
| Pretax return on assets | 0.9384% | 3,790 |
| Return on Equity (ROE) | 10.3866% | 2,352 |
| Retained earnings to average equity (ytd only) | 1.0983% | 4,679 |
| Net charge-offs to loans | 0.2002% | 956 |
| Credit loss provision to net charge-offs | 89.6104% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.7338% | 2,870 |
| Efficiency ratio | 75.1340% | 1,477 |
| Assets per employee ($millions) | 4.1712% | 3,652 |
| Cash dividends to net income (ytd only)* | 89.4255% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 4,155 |
| Loan loss allowance to noncurrent loans | 192.8375% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 2,168 |
| Noncurrent loans to loans | 0.4670% | 2,873 |
| Net loans and leases to total assets | 59.5680% | 3,815 |
| Net loans and leases to deposits | 77.1423% | 3,265 |
| Net loans and leases to core deposits | 81.9790% | 3,262 |
| Total domestic deposits to total assets | 77.2184% | 4,602 |
| Equity capital to assets | 8.9779% | 4,599 |
| Core capital (leverage) ratio | 9.1965% | 4,464 |
| Tier 1 risk-based capital ratio | 13.7099% | 3,437 |
| Total risk-based capital ratio | 14.5204% | 3,562 |
| Memoranda: | ||
| Average total assets | $127,981,400 | 3,673 |
| Average earning assets | $115,629,400 | 3,723 |
| Average equity | $11,563,000 | 4,082 |
| Average total loans | $76,926,600 | 3,728 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7023% | 1,672 |
| Cost of funding earning assets | 0.6460% | 2,172 |
| Net interest margin | 4.0562% | 1,768 |
| Noninterest income to average assets | 0.5755% | 2,447 |
| Noninterest expense to average assets | 3.2494% | 1,411 |
| Loan and lease loss provision to assets | 0.0950% | 2,075 |
| Net operating income to assets | 0.9035% | 3,507 |
| Return on assets (ROA) | 0.9014% | 3,528 |
| Pretax return on assets | 0.9014% | 4,018 |
| Return on Equity (ROE) | 9.9610% | 2,638 |
| Retained earnings to average equity (ytd only) | 0.9233% | 4,875 |
| Net charge-offs to loans | 0.2485% | 682 |
| Credit loss provision to net charge-offs | 63.6364% | 2,704 |
| Earnings coverage of net charge-offs (x) | 6.6854% | 2,865 |
| Efficiency ratio | 76.4937% | 1,289 |
| Assets per employee ($millions) | 4.1542% | 3,648 |
| Cash dividends to net income (ytd only)* | 90.7295% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 4,435 |
| Loan loss allowance to noncurrent loans | 126.7176% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 2,023 |
| Noncurrent loans to loans | 0.6760% | 2,388 |
| Net loans and leases to total assets | 59.6734% | 3,878 |
| Net loans and leases to deposits | 75.1246% | 3,494 |
| Net loans and leases to core deposits | 79.3450% | 3,546 |
| Total domestic deposits to total assets | 79.4325% | 4,229 |
| Equity capital to assets | 8.7358% | 4,770 |
| Core capital (leverage) ratio | 9.1266% | 4,592 |
| Tier 1 risk-based capital ratio | 14.0361% | 3,355 |
| Total risk-based capital ratio | 14.8264% | 3,492 |
| Memoranda: | ||
| Average total assets | $127,650,250 | 3,710 |
| Average earning assets | $115,572,000 | 3,760 |
| Average equity | $11,551,500 | 4,120 |
| Average total loans | $76,727,000 | 3,766 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 1,635 |
| Cost of funding earning assets | 0.6141% | 2,140 |
| Net interest margin | 4.0394% | 1,729 |
| Noninterest income to average assets | 0.6254% | 2,200 |
| Noninterest expense to average assets | 3.2497% | 1,435 |
| Loan and lease loss provision to assets | 0.0943% | 2,036 |
| Net operating income to assets | 0.9507% | 3,230 |
| Return on assets (ROA) | 0.9491% | 3,252 |
| Pretax return on assets | 0.9491% | 3,811 |
| Return on Equity (ROE) | 10.3673% | 2,397 |
| Retained earnings to average equity (ytd only) | 1.5105% | 4,638 |
| Net charge-offs to loans | 0.3374% | 475 |
| Credit loss provision to net charge-offs | 46.5116% | 2,511 |
| Earnings coverage of net charge-offs (x) | 5.1550% | 2,732 |
| Efficiency ratio | 75.6678% | 1,473 |
| Assets per employee ($millions) | 4.1715% | 3,622 |
| Cash dividends to net income (ytd only)* | 85.4305% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 4,568 |
| Loan loss allowance to noncurrent loans | 114.1093% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 1,892 |
| Noncurrent loans to loans | 0.7402% | 2,258 |
| Net loans and leases to total assets | 58.7309% | 3,922 |
| Net loans and leases to deposits | 74.3272% | 3,503 |
| Net loans and leases to core deposits | 77.9284% | 3,589 |
| Total domestic deposits to total assets | 79.0167% | 4,426 |
| Equity capital to assets | 8.8488% | 4,681 |
| Core capital (leverage) ratio | 9.3598% | 4,291 |
| Tier 1 risk-based capital ratio | 14.1152% | 3,307 |
| Total risk-based capital ratio | 14.8891% | 3,454 |
| Memoranda: | ||
| Average total assets | $127,273,330 | 3,741 |
| Average earning assets | $115,611,330 | 3,782 |
| Average equity | $11,652,000 | 4,130 |
| Average total loans | $76,465,330 | 3,793 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6039% | 1,553 |
| Cost of funding earning assets | 0.6046% | 2,030 |
| Net interest margin | 3.9993% | 1,731 |
| Noninterest income to average assets | 0.6242% | 2,155 |
| Noninterest expense to average assets | 3.2316% | 1,500 |
| Loan and lease loss provision to assets | 0.0950% | 1,924 |
| Net operating income to assets | 0.9441% | 3,095 |
| Return on assets (ROA) | 0.9410% | 3,119 |
| Pretax return on assets | 0.9410% | 3,728 |
| Return on Equity (ROE) | 10.1050% | 2,376 |
| Retained earnings to average equity (ytd only) | -0.9186% | 4,907 |
| Net charge-offs to loans | 0.6597% | 227 |
| Credit loss provision to net charge-offs | 23.8095% | 2,100 |
| Earnings coverage of net charge-offs (x) | 2.6032% | 2,446 |
| Efficiency ratio | 75.6677% | 1,644 |
| Assets per employee ($millions) | 4.1863% | 3,676 |
| Cash dividends to net income (ytd only)* | 109.0909% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 4,753 |
| Loan loss allowance to noncurrent loans | 94.3683% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 1,784 |
| Noncurrent loans to loans | 0.8624% | 2,097 |
| Net loans and leases to total assets | 60.1666% | 3,740 |
| Net loans and leases to deposits | 72.6551% | 3,543 |
| Net loans and leases to core deposits | 76.0947% | 3,662 |
| Total domestic deposits to total assets | 82.8113% | 3,722 |
| Equity capital to assets | 9.1665% | 4,399 |
| Core capital (leverage) ratio | 9.2889% | 4,338 |
| Tier 1 risk-based capital ratio | 14.2083% | 3,277 |
| Total risk-based capital ratio | 14.9620% | 3,444 |
| Memoranda: | ||
| Average total assets | $126,251,500 | 3,789 |
| Average earning assets | $115,119,000 | 3,828 |
| Average equity | $11,756,500 | 4,160 |
| Average total loans | $76,400,000 | 3,822 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 1,580 |
| Cost of funding earning assets | 0.5388% | 2,045 |
| Net interest margin | 4.0040% | 1,743 |
| Noninterest income to average assets | 0.6023% | 2,435 |
| Noninterest expense to average assets | 3.2217% | 1,557 |
| Loan and lease loss provision to assets | 0.1035% | 2,159 |
| Net operating income to assets | 0.9366% | 2,512 |
| Return on assets (ROA) | 0.9619% | 2,430 |
| Pretax return on assets | 0.9619% | 3,695 |
| Return on Equity (ROE) | 10.1191% | 1,836 |
| Retained earnings to average equity (ytd only) | 1.2638% | 4,517 |
| Net charge-offs to loans | 0.1888% | 1,343 |
| Credit loss provision to net charge-offs | 92.9078% | 2,727 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,802 |
| Efficiency ratio | 75.5935% | 1,683 |
| Assets per employee ($millions) | 4.0940% | 3,821 |
| Cash dividends to net income (ytd only)* | 87.5103% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,294 |
| Loan loss allowance to noncurrent loans | 101.8492% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 1,675 |
| Noncurrent loans to loans | 0.9175% | 1,944 |
| Net loans and leases to total assets | 59.8054% | 3,848 |
| Net loans and leases to deposits | 76.4194% | 3,288 |
| Net loans and leases to core deposits | 80.2143% | 3,404 |
| Total domestic deposits to total assets | 78.2595% | 4,677 |
| Equity capital to assets | 9.4559% | 4,266 |
| Core capital (leverage) ratio | 9.3580% | 4,217 |
| Tier 1 risk-based capital ratio | 14.1291% | 3,290 |
| Total risk-based capital ratio | 14.9927% | 3,418 |
| Memoranda: | ||
| Average total assets | $126,515,400 | 3,799 |
| Average earning assets | $115,635,600 | 3,823 |
| Average equity | $12,026,800 | 4,132 |
| Average total loans | $74,694,400 | 3,854 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 1,512 |
| Cost of funding earning assets | 0.5293% | 2,040 |
| Net interest margin | 4.0176% | 1,644 |
| Noninterest income to average assets | 0.6328% | 2,298 |
| Noninterest expense to average assets | 3.3096% | 1,322 |
| Loan and lease loss provision to assets | 0.1065% | 1,992 |
| Net operating income to assets | 0.8912% | 3,070 |
| Return on assets (ROA) | 0.9250% | 2,961 |
| Pretax return on assets | 0.9250% | 3,951 |
| Return on Equity (ROE) | 9.7172% | 2,246 |
| Retained earnings to average equity (ytd only) | 2.1053% | 4,603 |
| Net charge-offs to loans | 0.2318% | 929 |
| Credit loss provision to net charge-offs | 78.2946% | 2,611 |
| Earnings coverage of net charge-offs (x) | 7.3331% | 2,886 |
| Efficiency ratio | 76.8364% | 1,478 |
| Assets per employee ($millions) | 4.0411% | 3,916 |
| Cash dividends to net income (ytd only)* | 78.3358% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 4,343 |
| Loan loss allowance to noncurrent loans | 111.1465% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 1,872 |
| Noncurrent loans to loans | 0.8500% | 2,241 |
| Net loans and leases to total assets | 58.4168% | 4,020 |
| Net loans and leases to deposits | 75.7050% | 3,399 |
| Net loans and leases to core deposits | 77.5929% | 3,673 |
| Total domestic deposits to total assets | 77.1637% | 4,855 |
| Equity capital to assets | 9.7602% | 4,179 |
| Core capital (leverage) ratio | 9.3280% | 4,371 |
| Tier 1 risk-based capital ratio | 14.8773% | 2,970 |
| Total risk-based capital ratio | 15.7610% | 3,088 |
| Memoranda: | ||
| Average total assets | $126,415,500 | 3,842 |
| Average earning assets | $115,621,750 | 3,863 |
| Average equity | $12,033,250 | 4,169 |
| Average total loans | $74,213,500 | 3,893 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 1,503 |
| Cost of funding earning assets | 0.5154% | 2,055 |
| Net interest margin | 3.9888% | 1,643 |
| Noninterest income to average assets | 0.6230% | 2,359 |
| Noninterest expense to average assets | 3.2966% | 1,376 |
| Loan and lease loss provision to assets | 0.0946% | 2,094 |
| Net operating income to assets | 0.8817% | 3,014 |
| Return on assets (ROA) | 0.8833% | 3,059 |
| Pretax return on assets | 0.8833% | 3,982 |
| Return on Equity (ROE) | 9.3578% | 2,327 |
| Retained earnings to average equity (ytd only) | 0.7854% | 4,898 |
| Net charge-offs to loans | 0.3283% | 612 |
| Credit loss provision to net charge-offs | 49.1803% | 2,573 |
| Earnings coverage of net charge-offs (x) | 5.0738% | 2,861 |
| Efficiency ratio | 77.1502% | 1,567 |
| Assets per employee ($millions) | 3.9226% | 4,094 |
| Cash dividends to net income (ytd only)* | 91.6071% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 4,606 |
| Loan loss allowance to noncurrent loans | 118.3601% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8859% | 2,005 |
| Noncurrent loans to loans | 0.7676% | 2,480 |
| Net loans and leases to total assets | 57.6943% | 4,065 |
| Net loans and leases to deposits | 72.7456% | 3,670 |
| Net loans and leases to core deposits | 74.2363% | 3,924 |
| Total domestic deposits to total assets | 79.3096% | 4,558 |
| Equity capital to assets | 9.6804% | 4,246 |
| Core capital (leverage) ratio | 9.2423% | 4,443 |
| Tier 1 risk-based capital ratio | 14.8468% | 2,994 |
| Total risk-based capital ratio | 15.6961% | 3,119 |
| Memoranda: | ||
| Average total assets | $126,796,000 | 3,856 |
| Average earning assets | $116,025,670 | 3,881 |
| Average equity | $11,968,670 | 4,192 |
| Average total loans | $74,325,000 | 3,913 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 1,503 |
| Cost of funding earning assets | 0.5099% | 2,006 |
| Net interest margin | 3.9388% | 1,644 |
| Noninterest income to average assets | 0.6435% | 2,209 |
| Noninterest expense to average assets | 3.2645% | 1,447 |
| Loan and lease loss provision to assets | 0.0942% | 1,970 |
| Net operating income to assets | 0.8977% | 2,777 |
| Return on assets (ROA) | 0.9009% | 2,814 |
| Pretax return on assets | 0.9009% | 3,769 |
| Return on Equity (ROE) | 9.6653% | 2,114 |
| Retained earnings to average equity (ytd only) | -0.1010% | 4,935 |
| Net charge-offs to loans | 0.5871% | 302 |
| Credit loss provision to net charge-offs | 27.2727% | 2,132 |
| Earnings coverage of net charge-offs (x) | 2.8727% | 2,537 |
| Efficiency ratio | 76.6962% | 1,807 |
| Assets per employee ($millions) | 3.9230% | 4,142 |
| Cash dividends to net income (ytd only)* | 101.0453% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,837 |
| Loan loss allowance to noncurrent loans | 112.5436% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 2,069 |
| Noncurrent loans to loans | 0.7789% | 2,515 |
| Net loans and leases to total assets | 58.1868% | 3,954 |
| Net loans and leases to deposits | 73.3011% | 3,470 |
| Net loans and leases to core deposits | 74.7993% | 3,757 |
| Total domestic deposits to total assets | 79.3806% | 4,747 |
| Equity capital to assets | 9.5271% | 4,262 |
| Core capital (leverage) ratio | 9.0689% | 4,659 |
| Tier 1 risk-based capital ratio | 14.7639% | 3,089 |
| Total risk-based capital ratio | 15.5891% | 3,207 |
| Memoranda: | ||
| Average total assets | $127,433,000 | 3,886 |
| Average earning assets | $116,888,500 | 3,898 |
| Average equity | $11,877,500 | 4,233 |
| Average total loans | $74,946,000 | 3,924 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 1,912 |
| Cost of funding earning assets | 0.5078% | 2,029 |
| Net interest margin | 3.8629% | 2,090 |
| Noninterest income to average assets | 0.5252% | 3,058 |
| Noninterest expense to average assets | 3.1383% | 1,933 |
| Loan and lease loss provision to assets | 0.1350% | 1,852 |
| Net operating income to assets | 0.8137% | 3,243 |
| Return on assets (ROA) | 0.9302% | 2,793 |
| Pretax return on assets | 0.9302% | 3,732 |
| Return on Equity (ROE) | 9.7638% | 2,072 |
| Retained earnings to average equity (ytd only) | 2.8984% | 3,836 |
| Net charge-offs to loans | 0.1768% | 1,555 |
| Credit loss provision to net charge-offs | 136.7188% | 1,989 |
| Earnings coverage of net charge-offs (x) | 9.6094% | 2,737 |
| Efficiency ratio | 76.7881% | 1,881 |
| Assets per employee ($millions) | 4.0415% | 3,892 |
| Cash dividends to net income (ytd only)* | 70.3151% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,563 |
| Loan loss allowance to noncurrent loans | 85.0117% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 1,926 |
| Noncurrent loans to loans | 1.1207% | 1,841 |
| Net loans and leases to total assets | 58.3581% | 4,033 |
| Net loans and leases to deposits | 76.4642% | 3,266 |
| Net loans and leases to core deposits | 78.0383% | 3,570 |
| Total domestic deposits to total assets | 76.3209% | 5,206 |
| Equity capital to assets | 9.1202% | 4,684 |
| Core capital (leverage) ratio | 9.0907% | 4,629 |
| Tier 1 risk-based capital ratio | 14.3030% | 3,281 |
| Total risk-based capital ratio | 15.2012% | 3,408 |
| Memoranda: | ||
| Average total assets | $129,655,200 | 3,836 |
| Average earning assets | $119,546,400 | 3,835 |
| Average equity | $12,351,800 | 4,200 |
| Average total loans | $72,389,800 | 3,981 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3499% | 1,999 |
| Cost of funding earning assets | 0.5035% | 2,075 |
| Net interest margin | 3.8464% | 2,170 |
| Noninterest income to average assets | 0.5385% | 2,989 |
| Noninterest expense to average assets | 3.1139% | 1,996 |
| Loan and lease loss provision to assets | 0.1449% | 1,617 |
| Net operating income to assets | 0.8283% | 3,244 |
| Return on assets (ROA) | 0.9784% | 2,658 |
| Pretax return on assets | 0.9784% | 3,710 |
| Return on Equity (ROE) | 10.1617% | 1,990 |
| Retained earnings to average equity (ytd only) | 2.3910% | 4,487 |
| Net charge-offs to loans | 0.1960% | 1,196 |
| Credit loss provision to net charge-offs | 134.2857% | 1,935 |
| Earnings coverage of net charge-offs (x) | 9.0189% | 2,716 |
| Efficiency ratio | 76.1881% | 1,949 |
| Assets per employee ($millions) | 4.0017% | 3,960 |
| Cash dividends to net income (ytd only)* | 76.4705% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 4,629 |
| Loan loss allowance to noncurrent loans | 69.3756% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.0792% | 1,899 |
| Noncurrent loans to loans | 1.3800% | 1,592 |
| Net loans and leases to total assets | 56.5515% | 4,246 |
| Net loans and leases to deposits | 71.9379% | 3,812 |
| Net loans and leases to core deposits | 73.3872% | 4,049 |
| Total domestic deposits to total assets | 78.6115% | 4,806 |
| Equity capital to assets | 9.8762% | 4,271 |
| Core capital (leverage) ratio | 9.0457% | 4,782 |
| Tier 1 risk-based capital ratio | 14.8805% | 3,106 |
| Total risk-based capital ratio | 15.8115% | 3,196 |
| Memoranda: | ||
| Average total assets | $129,736,750 | 3,860 |
| Average earning assets | $119,694,250 | 3,856 |
| Average equity | $12,491,000 | 4,207 |
| Average total loans | $71,437,250 | 4,031 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 1,945 |
| Cost of funding earning assets | 0.4967% | 2,126 |
| Net interest margin | 3.8642% | 2,101 |
| Noninterest income to average assets | 0.5480% | 2,909 |
| Noninterest expense to average assets | 3.0622% | 2,168 |
| Loan and lease loss provision to assets | 0.1688% | 1,319 |
| Net operating income to assets | 0.8872% | 2,928 |
| Return on assets (ROA) | 1.0867% | 2,139 |
| Pretax return on assets | 1.0867% | 3,255 |
| Return on Equity (ROE) | 11.3836% | 1,517 |
| Retained earnings to average equity (ytd only) | 3.0710% | 3,955 |
| Net charge-offs to loans | 0.2145% | 1,095 |
| Credit loss provision to net charge-offs | 144.7368% | 1,635 |
| Earnings coverage of net charge-offs (x) | 9.0526% | 2,456 |
| Efficiency ratio | 74.3571% | 2,310 |
| Assets per employee ($millions) | 4.0624% | 3,794 |
| Cash dividends to net income (ytd only)* | 73.0226% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 4,671 |
| Loan loss allowance to noncurrent loans | 79.6804% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.1723% | 1,791 |
| Noncurrent loans to loans | 1.2173% | 1,886 |
| Net loans and leases to total assets | 54.8225% | 4,429 |
| Net loans and leases to deposits | 68.2281% | 4,160 |
| Net loans and leases to core deposits | 69.5478% | 4,358 |
| Total domestic deposits to total assets | 80.3517% | 4,465 |
| Equity capital to assets | 9.9042% | 4,336 |
| Core capital (leverage) ratio | 8.7822% | 5,078 |
| Tier 1 risk-based capital ratio | 14.1759% | 3,509 |
| Total risk-based capital ratio | 15.0630% | 3,636 |
| Memoranda: | ||
| Average total assets | $130,297,330 | 3,876 |
| Average earning assets | $120,387,330 | 3,869 |
| Average equity | $12,439,000 | 4,245 |
| Average total loans | $70,877,330 | 4,073 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 2,191 |
| Cost of funding earning assets | 0.4817% | 2,257 |
| Net interest margin | 3.8010% | 2,280 |
| Noninterest income to average assets | 0.5611% | 2,736 |
| Noninterest expense to average assets | 2.9958% | 2,405 |
| Loan and lease loss provision to assets | 0.0920% | 2,146 |
| Net operating income to assets | 1.0058% | 2,251 |
| Return on assets (ROA) | 1.0303% | 2,278 |
| Pretax return on assets | 1.0303% | 3,361 |
| Return on Equity (ROE) | 10.9975% | 1,600 |
| Retained earnings to average equity (ytd only) | 1.6365% | 4,619 |
| Net charge-offs to loans | 0.0569% | 1,947 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 35.8000% | 1,076 |
| Efficiency ratio | 73.1835% | 2,607 |
| Assets per employee ($millions) | 4.1036% | 3,763 |
| Cash dividends to net income (ytd only)* | 85.1190% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 4,698 |
| Loan loss allowance to noncurrent loans | 74.1866% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.1956% | 1,831 |
| Noncurrent loans to loans | 1.3264% | 1,802 |
| Net loans and leases to total assets | 52.4148% | 4,591 |
| Net loans and leases to deposits | 63.6530% | 4,464 |
| Net loans and leases to core deposits | 65.0548% | 4,618 |
| Total domestic deposits to total assets | 82.3446% | 4,104 |
| Equity capital to assets | 9.5108% | 4,661 |
| Core capital (leverage) ratio | 8.7554% | 5,116 |
| Tier 1 risk-based capital ratio | 14.4371% | 3,425 |
| Total risk-based capital ratio | 15.3339% | 3,563 |
| Memoranda: | ||
| Average total assets | $130,448,000 | 3,904 |
| Average earning assets | $121,230,000 | 3,885 |
| Average equity | $12,221,000 | 4,294 |
| Average total loans | $70,333,500 | 4,107 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 1,947 |
| Cost of funding earning assets | 0.4945% | 2,202 |
| Net interest margin | 3.8919% | 2,058 |
| Noninterest income to average assets | 0.7211% | 2,100 |
| Noninterest expense to average assets | 3.3268% | 1,652 |
| Loan and lease loss provision to assets | 0.1147% | 2,086 |
| Net operating income to assets | 0.8725% | 3,010 |
| Return on assets (ROA) | 0.9755% | 2,566 |
| Pretax return on assets | 0.9755% | 3,558 |
| Return on Equity (ROE) | 10.4276% | 1,835 |
| Retained earnings to average equity (ytd only) | 1.7435% | 4,733 |
| Net charge-offs to loans | 0.1862% | 1,549 |
| Credit loss provision to net charge-offs | 113.9535% | 2,231 |
| Earnings coverage of net charge-offs (x) | 9.8062% | 2,776 |
| Efficiency ratio | 77.1165% | 2,101 |
| Assets per employee ($millions) | 4.0494% | 3,847 |
| Cash dividends to net income (ytd only)* | 83.2800% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 4,953 |
| Loan loss allowance to noncurrent loans | 119.8556% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 2,346 |
| Noncurrent loans to loans | 0.7786% | 2,839 |
| Net loans and leases to total assets | 54.3988% | 4,465 |
| Net loans and leases to deposits | 66.6122% | 4,258 |
| Net loans and leases to core deposits | 68.1020% | 4,445 |
| Total domestic deposits to total assets | 81.6649% | 4,278 |
| Equity capital to assets | 9.2243% | 4,874 |
| Core capital (leverage) ratio | 8.6924% | 5,227 |
| Tier 1 risk-based capital ratio | 14.1947% | 3,609 |
| Total risk-based capital ratio | 15.0550% | 3,749 |
| Memoranda: | ||
| Average total assets | $128,142,800 | 3,928 |
| Average earning assets | $118,295,800 | 3,916 |
| Average equity | $11,987,400 | 4,308 |
| Average total loans | $69,291,200 | 4,111 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 1,994 |
| Cost of funding earning assets | 0.4941% | 2,277 |
| Net interest margin | 3.8822% | 2,092 |
| Noninterest income to average assets | 0.7325% | 2,097 |
| Noninterest expense to average assets | 3.3775% | 1,516 |
| Loan and lease loss provision to assets | 0.1023% | 2,147 |
| Net operating income to assets | 0.8191% | 3,341 |
| Return on assets (ROA) | 0.9568% | 2,773 |
| Pretax return on assets | 0.9568% | 3,790 |
| Return on Equity (ROE) | 10.1921% | 2,029 |
| Retained earnings to average equity (ytd only) | 0.6224% | 5,433 |
| Net charge-offs to loans | 0.1918% | 1,334 |
| Credit loss provision to net charge-offs | 98.9899% | 2,318 |
| Earnings coverage of net charge-offs (x) | 8.9189% | 2,756 |
| Efficiency ratio | 78.5680% | 1,880 |
| Assets per employee ($millions) | 4.0525% | 3,799 |
| Cash dividends to net income (ytd only)* | 93.8927% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 5,132 |
| Loan loss allowance to noncurrent loans | 95.4142% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 2,613 |
| Noncurrent loans to loans | 0.9623% | 2,581 |
| Net loans and leases to total assets | 53.6764% | 4,594 |
| Net loans and leases to deposits | 68.4226% | 4,146 |
| Net loans and leases to core deposits | 69.8375% | 4,384 |
| Total domestic deposits to total assets | 78.4483% | 5,099 |
| Equity capital to assets | 9.2906% | 5,014 |
| Core capital (leverage) ratio | 8.6559% | 5,401 |
| Tier 1 risk-based capital ratio | 14.1518% | 3,760 |
| Total risk-based capital ratio | 14.9971% | 3,936 |
| Memoranda: | ||
| Average total assets | $127,783,000 | 3,976 |
| Average earning assets | $117,387,500 | 3,975 |
| Average equity | $11,996,000 | 4,355 |
| Average total loans | $68,825,250 | 4,162 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 2,085 |
| Cost of funding earning assets | 0.4946% | 2,301 |
| Net interest margin | 3.8349% | 2,194 |
| Noninterest income to average assets | 0.7157% | 2,149 |
| Noninterest expense to average assets | 3.4211% | 1,437 |
| Loan and lease loss provision to assets | 0.0944% | 2,238 |
| Net operating income to assets | 0.7251% | 3,762 |
| Return on assets (ROA) | 0.9312% | 2,849 |
| Pretax return on assets | 0.9312% | 3,840 |
| Return on Equity (ROE) | 9.8842% | 2,127 |
| Retained earnings to average equity (ytd only) | -0.0334% | 5,511 |
| Net charge-offs to loans | 0.1492% | 1,598 |
| Credit loss provision to net charge-offs | 117.6471% | 1,831 |
| Earnings coverage of net charge-offs (x) | 10.2157% | 2,383 |
| Efficiency ratio | 80.6751% | 1,664 |
| Assets per employee ($millions) | 4.0840% | 3,714 |
| Cash dividends to net income (ytd only)* | 100.3378% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 5,101 |
| Loan loss allowance to noncurrent loans | 81.7728% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.0663% | 2,377 |
| Noncurrent loans to loans | 1.1607% | 2,328 |
| Net loans and leases to total assets | 53.9908% | 4,558 |
| Net loans and leases to deposits | 66.7239% | 4,264 |
| Net loans and leases to core deposits | 68.0912% | 4,488 |
| Total domestic deposits to total assets | 80.9167% | 4,637 |
| Equity capital to assets | 9.1435% | 5,091 |
| Core capital (leverage) ratio | 8.7587% | 5,271 |
| Tier 1 risk-based capital ratio | 14.3349% | 3,738 |
| Total risk-based capital ratio | 15.2087% | 3,887 |
| Memoranda: | ||
| Average total assets | $127,151,000 | 4,014 |
| Average earning assets | $116,873,330 | 4,014 |
| Average equity | $11,978,670 | 4,385 |
| Average total loans | $68,349,670 | 4,206 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 2,094 |
| Cost of funding earning assets | 0.4957% | 2,331 |
| Net interest margin | 3.8082% | 2,203 |
| Noninterest income to average assets | 0.7063% | 2,142 |
| Noninterest expense to average assets | 3.4373% | 1,425 |
| Loan and lease loss provision to assets | 0.0942% | 2,110 |
| Net operating income to assets | 0.6718% | 3,941 |
| Return on assets (ROA) | 0.9543% | 2,619 |
| Pretax return on assets | 0.9543% | 3,673 |
| Return on Equity (ROE) | 9.9836% | 2,015 |
| Retained earnings to average equity (ytd only) | 0.0328% | 5,359 |
| Net charge-offs to loans | 0.1000% | 1,725 |
| Credit loss provision to net charge-offs | 176.4706% | 1,139 |
| Earnings coverage of net charge-offs (x) | 14.3529% | 1,674 |
| Efficiency ratio | 81.7774% | 1,649 |
| Assets per employee ($millions) | 4.0230% | 3,914 |
| Cash dividends to net income (ytd only)* | 99.6711% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 5,122 |
| Loan loss allowance to noncurrent loans | 70.4813% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 2,550 |
| Noncurrent loans to loans | 1.3934% | 2,061 |
| Net loans and leases to total assets | 53.2772% | 4,518 |
| Net loans and leases to deposits | 64.7833% | 4,290 |
| Net loans and leases to core deposits | 66.3687% | 4,486 |
| Total domestic deposits to total assets | 82.2391% | 4,441 |
| Equity capital to assets | 9.8082% | 4,379 |
| Core capital (leverage) ratio | 8.7725% | 5,237 |
| Tier 1 risk-based capital ratio | 14.8269% | 3,527 |
| Total risk-based capital ratio | 15.7357% | 3,652 |
| Memoranda: | ||
| Average total assets | $127,425,000 | 4,038 |
| Average earning assets | $117,011,500 | 4,040 |
| Average equity | $12,180,000 | 4,383 |
| Average total loans | $68,020,000 | 4,232 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,566 |
| Cost of funding earning assets | 0.5040% | 2,632 |
| Net interest margin | 4.0921% | 1,602 |
| Noninterest income to average assets | 0.7461% | 2,090 |
| Noninterest expense to average assets | 3.4203% | 1,659 |
| Loan and lease loss provision to assets | 0.1484% | 1,770 |
| Net operating income to assets | 0.9258% | 2,746 |
| Return on assets (ROA) | 0.9406% | 2,765 |
| Pretax return on assets | 0.9406% | 3,732 |
| Return on Equity (ROE) | 10.6438% | 1,839 |
| Retained earnings to average equity (ytd only) | 2.7317% | 4,297 |
| Net charge-offs to loans | 0.3510% | 1,248 |
| Credit loss provision to net charge-offs | 77.5510% | 2,913 |
| Earnings coverage of net charge-offs (x) | 5.6122% | 3,389 |
| Efficiency ratio | 76.0994% | 2,494 |
| Assets per employee ($millions) | 3.9436% | 4,073 |
| Cash dividends to net income (ytd only)* | 74.3355% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 5,345 |
| Loan loss allowance to noncurrent loans | 78.1137% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 2,622 |
| Noncurrent loans to loans | 1.1996% | 2,451 |
| Net loans and leases to total assets | 52.4766% | 4,745 |
| Net loans and leases to deposits | 68.8608% | 4,041 |
| Net loans and leases to core deposits | 70.6189% | 4,266 |
| Total domestic deposits to total assets | 76.2068% | 5,703 |
| Equity capital to assets | 9.3193% | 4,939 |
| Core capital (leverage) ratio | 8.6199% | 5,427 |
| Tier 1 risk-based capital ratio | 14.3788% | 3,851 |
| Total risk-based capital ratio | 15.2434% | 4,028 |
| Memoranda: | ||
| Average total assets | $128,001,000 | 4,014 |
| Average earning assets | $117,250,400 | 4,024 |
| Average equity | $11,311,800 | 4,496 |
| Average total loans | $69,803,200 | 4,189 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 1,496 |
| Cost of funding earning assets | 0.5010% | 2,749 |
| Net interest margin | 4.1267% | 1,498 |
| Noninterest income to average assets | 0.7353% | 2,152 |
| Noninterest expense to average assets | 3.4957% | 1,471 |
| Loan and lease loss provision to assets | 0.1036% | 2,311 |
| Net operating income to assets | 0.9184% | 2,827 |
| Return on assets (ROA) | 0.9299% | 2,867 |
| Pretax return on assets | 0.9299% | 3,862 |
| Return on Equity (ROE) | 10.6709% | 1,915 |
| Retained earnings to average equity (ytd only) | 2.0885% | 5,006 |
| Net charge-offs to loans | 0.2951% | 1,337 |
| Credit loss provision to net charge-offs | 63.8710% | 2,880 |
| Earnings coverage of net charge-offs (x) | 6.3033% | 3,104 |
| Efficiency ratio | 77.3790% | 2,292 |
| Assets per employee ($millions) | 3.5331% | 4,798 |
| Cash dividends to net income (ytd only)* | 80.4277% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 5,491 |
| Loan loss allowance to noncurrent loans | 77.3381% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 2,700 |
| Noncurrent loans to loans | 1.2059% | 2,634 |
| Net loans and leases to total assets | 53.8666% | 4,592 |
| Net loans and leases to deposits | 68.9075% | 4,026 |
| Net loans and leases to core deposits | 70.6592% | 4,270 |
| Total domestic deposits to total assets | 78.1724% | 5,496 |
| Equity capital to assets | 9.1853% | 5,163 |
| Core capital (leverage) ratio | 8.5654% | 5,585 |
| Tier 1 risk-based capital ratio | 14.2735% | 4,041 |
| Total risk-based capital ratio | 15.1411% | 4,236 |
| Memoranda: | ||
| Average total assets | $127,466,750 | 4,056 |
| Average earning assets | $116,830,500 | 4,063 |
| Average equity | $11,107,750 | 4,572 |
| Average total loans | $70,019,500 | 4,221 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 1,374 |
| Cost of funding earning assets | 0.5030% | 2,804 |
| Net interest margin | 4.1556% | 1,365 |
| Noninterest income to average assets | 0.7291% | 2,149 |
| Noninterest expense to average assets | 3.4808% | 1,512 |
| Loan and lease loss provision to assets | 0.0941% | 2,455 |
| Net operating income to assets | 0.9627% | 2,490 |
| Return on assets (ROA) | 0.9705% | 2,536 |
| Pretax return on assets | 0.9705% | 3,609 |
| Return on Equity (ROE) | 11.3412% | 1,619 |
| Retained earnings to average equity (ytd only) | 1.7772% | 5,006 |
| Net charge-offs to loans | 0.3357% | 1,214 |
| Credit loss provision to net charge-offs | 50.8475% | 2,782 |
| Earnings coverage of net charge-offs (x) | 5.7119% | 2,882 |
| Efficiency ratio | 76.7104% | 2,506 |
| Assets per employee ($millions) | 3.9763% | 3,891 |
| Cash dividends to net income (ytd only)* | 84.3296% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 5,654 |
| Loan loss allowance to noncurrent loans | 140.0871% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 3,764 |
| Noncurrent loans to loans | 0.6588% | 4,059 |
| Net loans and leases to total assets | 54.2545% | 4,509 |
| Net loans and leases to deposits | 68.5235% | 3,992 |
| Net loans and leases to core deposits | 70.2393% | 4,242 |
| Total domestic deposits to total assets | 79.1765% | 5,423 |
| Equity capital to assets | 9.1574% | 5,149 |
| Core capital (leverage) ratio | 8.4750% | 5,655 |
| Tier 1 risk-based capital ratio | 14.0761% | 4,210 |
| Total risk-based capital ratio | 14.9352% | 4,410 |
| Memoranda: | ||
| Average total assets | $127,558,330 | 4,085 |
| Average earning assets | $116,901,330 | 4,085 |
| Average equity | $10,916,000 | 4,628 |
| Average total loans | $70,306,330 | 4,225 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 1,244 |
| Cost of funding earning assets | 0.5034% | 2,873 |
| Net interest margin | 4.2015% | 1,214 |
| Noninterest income to average assets | 0.7203% | 2,080 |
| Noninterest expense to average assets | 3.4702% | 1,549 |
| Loan and lease loss provision to assets | 0.0940% | 2,352 |
| Net operating income to assets | 0.9991% | 2,216 |
| Return on assets (ROA) | 1.0116% | 2,232 |
| Pretax return on assets | 1.0116% | 3,280 |
| Return on Equity (ROE) | 12.2488% | 1,357 |
| Retained earnings to average equity (ytd only) | 2.9200% | 4,344 |
| Net charge-offs to loans | 0.1699% | 1,699 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 11.6333% | 1,770 |
| Efficiency ratio | 76.0467% | 2,800 |
| Assets per employee ($millions) | 3.8948% | 4,147 |
| Cash dividends to net income (ytd only)* | 76.1610% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 5,570 |
| Loan loss allowance to noncurrent loans | 129.3358% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 3,697 |
| Noncurrent loans to loans | 0.7652% | 3,954 |
| Net loans and leases to total assets | 54.5624% | 4,341 |
| Net loans and leases to deposits | 70.5126% | 3,536 |
| Net loans and leases to core deposits | 72.2987% | 3,845 |
| Total domestic deposits to total assets | 77.3796% | 5,918 |
| Equity capital to assets | 8.4992% | 5,656 |
| Core capital (leverage) ratio | 8.4321% | 5,719 |
| Tier 1 risk-based capital ratio | 13.8345% | 4,447 |
| Total risk-based capital ratio | 14.7550% | 4,615 |
| Memoranda: | ||
| Average total assets | $127,717,000 | 4,115 |
| Average earning assets | $116,814,500 | 4,120 |
| Average equity | $10,548,000 | 4,717 |
| Average total loans | $70,621,000 | 4,248 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 1,622 |
| Cost of funding earning assets | 0.5894% | 2,759 |
| Net interest margin | 4.0906% | 1,669 |
| Noninterest income to average assets | 0.7706% | 2,207 |
| Noninterest expense to average assets | 3.3248% | 2,071 |
| Loan and lease loss provision to assets | 0.2046% | 1,815 |
| Net operating income to assets | 0.9630% | 2,503 |
| Return on assets (ROA) | 0.9886% | 2,446 |
| Pretax return on assets | 0.9996% | 3,346 |
| Return on Equity (ROE) | 11.2467% | 1,689 |
| Retained earnings to average equity (ytd only) | 0.7135% | 5,511 |
| Net charge-offs to loans | 0.4036% | 1,672 |
| Credit loss provision to net charge-offs | 92.5532% | 2,690 |
| Earnings coverage of net charge-offs (x) | 5.3298% | 3,327 |
| Efficiency ratio | 73.8336% | 3,155 |
| Assets per employee ($millions) | 3.7325% | 4,402 |
| Cash dividends to net income (ytd only)* | 93.6558% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 5,597 |
| Loan loss allowance to noncurrent loans | 113.7987% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8621% | 3,734 |
| Noncurrent loans to loans | 0.8749% | 3,796 |
| Net loans and leases to total assets | 54.9321% | 4,471 |
| Net loans and leases to deposits | 71.5880% | 3,580 |
| Net loans and leases to core deposits | 73.4372% | 3,902 |
| Total domestic deposits to total assets | 76.7336% | 6,018 |
| Equity capital to assets | 8.0155% | 6,007 |
| Core capital (leverage) ratio | 8.4703% | 5,704 |
| Tier 1 risk-based capital ratio | 13.7922% | 4,445 |
| Total risk-based capital ratio | 14.7165% | 4,612 |
| Memoranda: | ||
| Average total assets | $127,555,400 | 4,121 |
| Average earning assets | $116,388,800 | 4,125 |
| Average equity | $11,212,200 | 4,595 |
| Average total loans | $69,879,000 | 4,270 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 1,672 |
| Cost of funding earning assets | 0.6204% | 2,644 |
| Net interest margin | 4.0510% | 1,785 |
| Noninterest income to average assets | 0.7631% | 2,305 |
| Noninterest expense to average assets | 3.3281% | 2,007 |
| Loan and lease loss provision to assets | 0.1357% | 2,586 |
| Net operating income to assets | 0.9796% | 2,470 |
| Return on assets (ROA) | 1.0137% | 2,413 |
| Pretax return on assets | 1.0283% | 3,384 |
| Return on Equity (ROE) | 11.2849% | 1,713 |
| Retained earnings to average equity (ytd only) | 1.3947% | 5,424 |
| Net charge-offs to loans | 0.5047% | 1,276 |
| Credit loss provision to net charge-offs | 49.2424% | 3,528 |
| Earnings coverage of net charge-offs (x) | 4.0985% | 3,536 |
| Efficiency ratio | 74.6604% | 2,956 |
| Assets per employee ($millions) | 3.8921% | 4,050 |
| Cash dividends to net income (ytd only)* | 87.6420% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 6,181 |
| Loan loss allowance to noncurrent loans | 81.8942% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 3,768 |
| Noncurrent loans to loans | 1.0413% | 3,717 |
| Net loans and leases to total assets | 53.2280% | 4,720 |
| Net loans and leases to deposits | 67.0248% | 4,174 |
| Net loans and leases to core deposits | 68.6709% | 4,471 |
| Total domestic deposits to total assets | 79.4153% | 5,646 |
| Equity capital to assets | 8.2568% | 5,947 |
| Core capital (leverage) ratio | 8.4424% | 5,822 |
| Tier 1 risk-based capital ratio | 14.2311% | 4,268 |
| Total risk-based capital ratio | 15.0313% | 4,535 |
| Memoranda: | ||
| Average total assets | $127,718,250 | 4,166 |
| Average earning assets | $116,477,750 | 4,164 |
| Average equity | $11,472,250 | 4,593 |
| Average total loans | $69,745,750 | 4,308 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6983% | 1,577 |
| Cost of funding earning assets | 0.6444% | 2,549 |
| Net interest margin | 4.0539% | 1,679 |
| Noninterest income to average assets | 0.7515% | 2,407 |
| Noninterest expense to average assets | 3.2633% | 2,177 |
| Loan and lease loss provision to assets | 0.1553% | 2,373 |
| Net operating income to assets | 1.0339% | 2,190 |
| Return on assets (ROA) | 1.0857% | 2,087 |
| Pretax return on assets | 1.0857% | 3,153 |
| Return on Equity (ROE) | 11.7674% | 1,563 |
| Retained earnings to average equity (ytd only) | 1.8535% | 5,092 |
| Net charge-offs to loans | 0.4057% | 1,594 |
| Credit loss provision to net charge-offs | 69.7183% | 2,836 |
| Earnings coverage of net charge-offs (x) | 5.3380% | 2,913 |
| Efficiency ratio | 73.2911% | 3,263 |
| Assets per employee ($millions) | 3.9635% | 3,887 |
| Cash dividends to net income (ytd only)* | 84.2486% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 5,906 |
| Loan loss allowance to noncurrent loans | 80.0708% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 3,857 |
| Noncurrent loans to loans | 1.2205% | 3,513 |
| Net loans and leases to total assets | 54.2462% | 4,554 |
| Net loans and leases to deposits | 67.4659% | 4,080 |
| Net loans and leases to core deposits | 70.1171% | 4,267 |
| Total domestic deposits to total assets | 80.4054% | 5,505 |
| Equity capital to assets | 8.3536% | 5,919 |
| Core capital (leverage) ratio | 8.4714% | 5,705 |
| Tier 1 risk-based capital ratio | 14.0296% | 4,403 |
| Total risk-based capital ratio | 14.9384% | 4,611 |
| Memoranda: | ||
| Average total assets | $127,477,670 | 4,196 |
| Average earning assets | $116,382,670 | 4,191 |
| Average equity | $11,761,330 | 4,579 |
| Average total loans | $70,009,670 | 4,308 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 1,566 |
| Cost of funding earning assets | 0.6582% | 2,582 |
| Net interest margin | 4.0312% | 1,674 |
| Noninterest income to average assets | 0.7167% | 2,499 |
| Noninterest expense to average assets | 3.3552% | 1,941 |
| Loan and lease loss provision to assets | 0.0939% | 3,101 |
| Net operating income to assets | 0.9483% | 2,447 |
| Return on assets (ROA) | 1.0422% | 2,172 |
| Pretax return on assets | 1.0422% | 3,174 |
| Return on Equity (ROE) | 10.7902% | 1,763 |
| Retained earnings to average equity (ytd only) | 1.4905% | 5,244 |
| Net charge-offs to loans | 0.3188% | 1,688 |
| Credit loss provision to net charge-offs | 53.5714% | 2,550 |
| Earnings coverage of net charge-offs (x) | 5.9464% | 2,299 |
| Efficiency ratio | 76.2989% | 2,877 |
| Assets per employee ($millions) | 3.9773% | 4,001 |
| Cash dividends to net income (ytd only)* | 86.1862% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 5,986 |
| Loan loss allowance to noncurrent loans | 104.9774% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 4,515 |
| Noncurrent loans to loans | 0.9526% | 4,233 |
| Net loans and leases to total assets | 54.1363% | 4,390 |
| Net loans and leases to deposits | 65.5342% | 4,117 |
| Net loans and leases to core deposits | 68.2130% | 4,275 |
| Total domestic deposits to total assets | 82.6077% | 4,988 |
| Equity capital to assets | 9.5918% | 4,717 |
| Core capital (leverage) ratio | 8.5348% | 5,543 |
| Tier 1 risk-based capital ratio | 13.8605% | 4,607 |
| Total risk-based capital ratio | 14.7858% | 4,800 |
| Memoranda: | ||
| Average total assets | $127,801,000 | 4,226 |
| Average earning assets | $116,690,000 | 4,226 |
| Average equity | $12,344,500 | 4,505 |
| Average total loans | $70,274,500 | 4,337 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 2,003 |
| Cost of funding earning assets | 0.8030% | 2,642 |
| Net interest margin | 4.0519% | 2,190 |
| Noninterest income to average assets | 0.7855% | 2,329 |
| Noninterest expense to average assets | 3.2468% | 2,477 |
| Loan and lease loss provision to assets | 0.1256% | 4,044 |
| Net operating income to assets | 1.0911% | 1,967 |
| Return on assets (ROA) | 1.2252% | 1,688 |
| Pretax return on assets | 1.2252% | 2,702 |
| Return on Equity (ROE) | 12.9791% | 1,225 |
| Retained earnings to average equity (ytd only) | 2.4069% | 4,540 |
| Net charge-offs to loans | 0.2856% | 3,233 |
| Credit loss provision to net charge-offs | 79.8030% | 3,840 |
| Earnings coverage of net charge-offs (x) | 7.7291% | 2,539 |
| Efficiency ratio | 72.7415% | 3,283 |
| Assets per employee ($millions) | 3.8887% | 4,177 |
| Cash dividends to net income (ytd only)* | 81.4557% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 5,904 |
| Loan loss allowance to noncurrent loans | 95.6291% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 4,681 |
| Noncurrent loans to loans | 1.0641% | 4,082 |
| Net loans and leases to total assets | 54.7266% | 4,503 |
| Net loans and leases to deposits | 68.2796% | 3,938 |
| Net loans and leases to core deposits | 71.1295% | 4,153 |
| Total domestic deposits to total assets | 80.1507% | 5,621 |
| Equity capital to assets | 9.7259% | 4,561 |
| Core capital (leverage) ratio | 8.4311% | 5,718 |
| Tier 1 risk-based capital ratio | 13.5566% | 4,710 |
| Total risk-based capital ratio | 14.4988% | 4,878 |
| Memoranda: | ||
| Average total assets | $128,958,200 | 4,164 |
| Average earning assets | $117,057,400 | 4,184 |
| Average equity | $12,173,400 | 4,531 |
| Average total loans | $71,080,400 | 4,319 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 2,049 |
| Cost of funding earning assets | 0.8295% | 2,709 |
| Net interest margin | 4.0599% | 2,256 |
| Noninterest income to average assets | 0.8075% | 2,207 |
| Noninterest expense to average assets | 3.2766% | 2,338 |
| Loan and lease loss provision to assets | 0.1353% | 3,853 |
| Net operating income to assets | 1.0750% | 2,191 |
| Return on assets (ROA) | 1.2536% | 1,731 |
| Pretax return on assets | 1.2536% | 2,779 |
| Return on Equity (ROE) | 13.3810% | 1,248 |
| Retained earnings to average equity (ytd only) | 1.1793% | 5,706 |
| Net charge-offs to loans | 0.1706% | 3,735 |
| Credit loss provision to net charge-offs | 143.9560% | 1,990 |
| Earnings coverage of net charge-offs (x) | 12.8792% | 1,962 |
| Efficiency ratio | 73.0265% | 3,142 |
| Assets per employee ($millions) | 3.8511% | 4,197 |
| Cash dividends to net income (ytd only)* | 91.1858% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,607 |
| Loan loss allowance to noncurrent loans | 89.6205% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 4,625 |
| Noncurrent loans to loans | 1.2576% | 3,951 |
| Net loans and leases to total assets | 55.4322% | 4,533 |
| Net loans and leases to deposits | 70.9290% | 3,766 |
| Net loans and leases to core deposits | 74.0446% | 3,971 |
| Total domestic deposits to total assets | 78.1516% | 6,044 |
| Equity capital to assets | 9.8776% | 4,671 |
| Core capital (leverage) ratio | 8.2998% | 6,009 |
| Tier 1 risk-based capital ratio | 13.2229% | 5,081 |
| Total risk-based capital ratio | 14.2611% | 5,199 |
| Memoranda: | ||
| Average total assets | $129,116,000 | 4,206 |
| Average earning assets | $117,011,750 | 4,224 |
| Average equity | $12,096,500 | 4,590 |
| Average total loans | $71,112,750 | 4,358 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 2,158 |
| Cost of funding earning assets | 0.8459% | 2,828 |
| Net interest margin | 4.0424% | 2,328 |
| Noninterest income to average assets | 0.8290% | 2,061 |
| Noninterest expense to average assets | 3.2652% | 2,398 |
| Loan and lease loss provision to assets | 0.1556% | 3,572 |
| Net operating income to assets | 1.0679% | 2,173 |
| Return on assets (ROA) | 1.3329% | 1,505 |
| Pretax return on assets | 1.3329% | 2,445 |
| Return on Equity (ROE) | 14.4839% | 1,017 |
| Retained earnings to average equity (ytd only) | 0.4354% | 5,895 |
| Net charge-offs to loans | 0.1801% | 3,516 |
| Credit loss provision to net charge-offs | 157.8125% | 1,763 |
| Earnings coverage of net charge-offs (x) | 12.4063% | 1,879 |
| Efficiency ratio | 72.7429% | 3,290 |
| Assets per employee ($millions) | 3.8158% | 4,273 |
| Cash dividends to net income (ytd only)* | 96.9942% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 5,666 |
| Loan loss allowance to noncurrent loans | 91.0125% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 4,827 |
| Noncurrent loans to loans | 1.2369% | 4,076 |
| Net loans and leases to total assets | 54.1607% | 4,772 |
| Net loans and leases to deposits | 67.9841% | 4,208 |
| Net loans and leases to core deposits | 71.6075% | 4,336 |
| Total domestic deposits to total assets | 79.6667% | 5,825 |
| Equity capital to assets | 9.3142% | 5,300 |
| Core capital (leverage) ratio | 8.0719% | 6,189 |
| Tier 1 risk-based capital ratio | 13.1382% | 5,086 |
| Total risk-based capital ratio | 14.1740% | 5,210 |
| Memoranda: | ||
| Average total assets | $129,793,000 | 4,214 |
| Average earning assets | $117,504,670 | 4,229 |
| Average equity | $11,944,330 | 4,617 |
| Average total loans | $71,067,330 | 4,388 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 2,556 |
| Cost of funding earning assets | 0.8652% | 2,957 |
| Net interest margin | 3.9548% | 2,692 |
| Noninterest income to average assets | 0.8381% | 1,995 |
| Noninterest expense to average assets | 3.3246% | 2,218 |
| Loan and lease loss provision to assets | 0.0924% | 4,196 |
| Net operating income to assets | 0.9983% | 2,487 |
| Return on assets (ROA) | 1.2078% | 1,894 |
| Pretax return on assets | 1.2078% | 2,887 |
| Return on Equity (ROE) | 13.2048% | 1,349 |
| Retained earnings to average equity (ytd only) | 2.8296% | 4,837 |
| Net charge-offs to loans | 0.1520% | 3,182 |
| Credit loss provision to net charge-offs | 111.1111% | 2,113 |
| Earnings coverage of net charge-offs (x) | 13.1111% | 1,557 |
| Efficiency ratio | 75.2966% | 2,892 |
| Assets per employee ($millions) | 3.8639% | 4,269 |
| Cash dividends to net income (ytd only)* | 78.5714% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 5,960 |
| Loan loss allowance to noncurrent loans | 91.4081% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7239% | 5,099 |
| Noncurrent loans to loans | 1.1829% | 4,358 |
| Net loans and leases to total assets | 53.3405% | 4,830 |
| Net loans and leases to deposits | 64.3666% | 4,584 |
| Net loans and leases to core deposits | 67.5445% | 4,727 |
| Total domestic deposits to total assets | 82.8699% | 4,983 |
| Equity capital to assets | 9.0309% | 5,442 |
| Core capital (leverage) ratio | 8.1554% | 6,088 |
| Tier 1 risk-based capital ratio | 13.1972% | 5,071 |
| Total risk-based capital ratio | 14.1887% | 5,228 |
| Memoranda: | ||
| Average total assets | $129,820,500 | 4,233 |
| Average earning assets | $117,425,500 | 4,262 |
| Average equity | $11,874,500 | 4,639 |
| Average total loans | $71,067,500 | 4,415 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 2,177 |
| Cost of funding earning assets | 0.9892% | 3,455 |
| Net interest margin | 4.1823% | 2,118 |
| Noninterest income to average assets | 0.8447% | 1,868 |
| Noninterest expense to average assets | 3.3634% | 2,329 |
| Loan and lease loss provision to assets | 0.3239% | 3,096 |
| Net operating income to assets | 0.9258% | 2,502 |
| Return on assets (ROA) | 0.9266% | 2,620 |
| Pretax return on assets | 0.9266% | 3,530 |
| Return on Equity (ROE) | 10.5345% | 1,865 |
| Retained earnings to average equity (ytd only) | 1.9370% | 4,831 |
| Net charge-offs to loans | 1.1209% | 1,530 |
| Credit loss provision to net charge-offs | 49.9380% | 5,422 |
| Earnings coverage of net charge-offs (x) | 1.9269% | 4,330 |
| Efficiency ratio | 72.9094% | 3,409 |
| Assets per employee ($millions) | 4.0084% | 3,829 |
| Cash dividends to net income (ytd only)* | 81.6132% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 5,927 |
| Loan loss allowance to noncurrent loans | 97.5703% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 4,488 |
| Noncurrent loans to loans | 1.0969% | 4,517 |
| Net loans and leases to total assets | 54.9871% | 4,884 |
| Net loans and leases to deposits | 67.7769% | 4,472 |
| Net loans and leases to core deposits | 70.8046% | 4,669 |
| Total domestic deposits to total assets | 81.1296% | 5,416 |
| Equity capital to assets | 9.2656% | 5,194 |
| Core capital (leverage) ratio | 8.3512% | 5,779 |
| Tier 1 risk-based capital ratio | 13.1136% | 4,979 |
| Total risk-based capital ratio | 14.1030% | 5,172 |
| Memoranda: | ||
| Average total assets | $124,429,200 | 4,288 |
| Average earning assets | $112,115,000 | 4,331 |
| Average equity | $10,945,000 | 4,798 |
| Average total loans | $71,994,400 | 4,410 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 2,114 |
| Cost of funding earning assets | 1.0142% | 3,578 |
| Net interest margin | 4.2100% | 2,057 |
| Noninterest income to average assets | 0.8401% | 1,875 |
| Noninterest expense to average assets | 3.4988% | 1,936 |
| Loan and lease loss provision to assets | 0.3639% | 2,680 |
| Net operating income to assets | 0.7743% | 3,283 |
| Return on assets (ROA) | 0.7753% | 3,439 |
| Pretax return on assets | 0.7753% | 4,216 |
| Return on Equity (ROE) | 8.9385% | 2,625 |
| Retained earnings to average equity (ytd only) | -0.2988% | 6,032 |
| Net charge-offs to loans | 1.4669% | 1,000 |
| Credit loss provision to net charge-offs | 42.4433% | 5,189 |
| Earnings coverage of net charge-offs (x) | 1.3275% | 4,621 |
| Efficiency ratio | 75.4541% | 2,928 |
| Assets per employee ($millions) | 3.6549% | 4,628 |
| Cash dividends to net income (ytd only)* | 103.3427% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,249 |
| Loan loss allowance to noncurrent loans | 356.7839% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 5,159 |
| Noncurrent loans to loans | 0.2814% | 6,294 |
| Net loans and leases to total assets | 56.3412% | 4,790 |
| Net loans and leases to deposits | 68.8285% | 4,469 |
| Net loans and leases to core deposits | 72.4967% | 4,649 |
| Total domestic deposits to total assets | 81.8575% | 5,147 |
| Equity capital to assets | 9.1755% | 5,547 |
| Core capital (leverage) ratio | 8.1426% | 6,220 |
| Tier 1 risk-based capital ratio | 13.0701% | 5,046 |
| Total risk-based capital ratio | 14.0105% | 5,267 |
| Memoranda: | ||
| Average total assets | $123,469,000 | 4,331 |
| Average earning assets | $111,350,250 | 4,378 |
| Average equity | $10,710,000 | 4,864 |
| Average total loans | $72,169,250 | 4,446 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2331% | 2,130 |
| Cost of funding earning assets | 1.0308% | 3,740 |
| Net interest margin | 4.2023% | 2,026 |
| Noninterest income to average assets | 0.8360% | 1,861 |
| Noninterest expense to average assets | 3.4983% | 1,983 |
| Loan and lease loss provision to assets | 0.4984% | 1,971 |
| Net operating income to assets | 0.6250% | 3,936 |
| Return on assets (ROA) | 0.6266% | 4,049 |
| Pretax return on assets | 0.6266% | 4,658 |
| Return on Equity (ROE) | 7.3669% | 3,255 |
| Retained earnings to average equity (ytd only) | -3.3781% | 6,415 |
| Net charge-offs to loans | 2.1280% | 609 |
| Credit loss provision to net charge-offs | 39.7154% | 4,822 |
| Earnings coverage of net charge-offs (x) | 0.8952% | 4,626 |
| Efficiency ratio | 75.6937% | 3,075 |
| Assets per employee ($millions) | 3.4778% | 4,998 |
| Cash dividends to net income (ytd only)* | 145.8549% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,424 |
| Loan loss allowance to noncurrent loans | 107.0229% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 4,544 |
| Noncurrent loans to loans | 0.9141% | 5,139 |
| Net loans and leases to total assets | 56.6740% | 4,872 |
| Net loans and leases to deposits | 71.5826% | 4,191 |
| Net loans and leases to core deposits | 75.6584% | 4,361 |
| Total domestic deposits to total assets | 79.1729% | 6,041 |
| Equity capital to assets | 8.5877% | 6,073 |
| Core capital (leverage) ratio | 8.0826% | 6,191 |
| Tier 1 risk-based capital ratio | 12.6538% | 5,218 |
| Total risk-based capital ratio | 13.5670% | 5,481 |
| Memoranda: | ||
| Average total assets | $123,203,330 | 4,360 |
| Average earning assets | $110,986,670 | 4,413 |
| Average equity | $10,479,330 | 4,930 |
| Average total loans | $72,651,330 | 4,483 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2492% | 2,054 |
| Cost of funding earning assets | 1.0513% | 3,844 |
| Net interest margin | 4.1979% | 1,895 |
| Noninterest income to average assets | 0.8510% | 1,850 |
| Noninterest expense to average assets | 3.4500% | 2,142 |
| Loan and lease loss provision to assets | 0.1015% | 4,739 |
| Net operating income to assets | 1.0900% | 1,873 |
| Return on assets (ROA) | 1.0900% | 1,918 |
| Pretax return on assets | 1.0900% | 2,793 |
| Return on Equity (ROE) | 12.8783% | 1,221 |
| Retained earnings to average equity (ytd only) | 1.4696% | 5,224 |
| Net charge-offs to loans | 0.0656% | 4,268 |
| Credit loss provision to net charge-offs | 258.3333% | 1,210 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 825 |
| Efficiency ratio | 74.3300% | 3,459 |
| Assets per employee ($millions) | 3.4570% | 5,104 |
| Cash dividends to net income (ytd only)* | 88.5886% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,614 |
| Loan loss allowance to noncurrent loans | 359.3939% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 5,417 |
| Noncurrent loans to loans | 0.4531% | 6,106 |
| Net loans and leases to total assets | 57.5656% | 4,712 |
| Net loans and leases to deposits | 69.9626% | 4,345 |
| Net loans and leases to core deposits | 74.3588% | 4,500 |
| Total domestic deposits to total assets | 82.2806% | 5,196 |
| Equity capital to assets | 8.3977% | 6,052 |
| Core capital (leverage) ratio | 8.2464% | 5,907 |
| Tier 1 risk-based capital ratio | 12.8824% | 4,919 |
| Total risk-based capital ratio | 14.1354% | 4,898 |
| Memoranda: | ||
| Average total assets | $122,204,000 | 4,413 |
| Average earning assets | $110,340,500 | 4,456 |
| Average equity | $10,343,000 | 4,955 |
| Average total loans | $73,148,000 | 4,505 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5126% | 2,228 |
| Cost of funding earning assets | 1.2219% | 4,412 |
| Net interest margin | 4.2908% | 1,850 |
| Noninterest income to average assets | 0.7650% | 2,456 |
| Noninterest expense to average assets | 3.2323% | 2,971 |
| Loan and lease loss provision to assets | 0.2766% | 4,597 |
| Net operating income to assets | 1.1411% | 1,576 |
| Return on assets (ROA) | 1.2931% | 1,246 |
| Pretax return on assets | 1.2931% | 1,946 |
| Return on Equity (ROE) | 15.1944% | 689 |
| Retained earnings to average equity (ytd only) | 5.6255% | 2,037 |
| Net charge-offs to loans | 0.5932% | 3,253 |
| Credit loss provision to net charge-offs | 75.4967% | 5,715 |
| Earnings coverage of net charge-offs (x) | 3.8698% | 3,155 |
| Efficiency ratio | 69.5130% | 4,278 |
| Assets per employee ($millions) | 3.4273% | 5,111 |
| Cash dividends to net income (ytd only)* | 62.9769% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 3,625 |
| Loan loss allowance to noncurrent loans | 163.4454% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 4,184 |
| Noncurrent loans to loans | 0.9718% | 5,105 |
| Net loans and leases to total assets | 60.2733% | 4,634 |
| Net loans and leases to deposits | 72.4665% | 4,435 |
| Net loans and leases to core deposits | 77.3523% | 4,540 |
| Total domestic deposits to total assets | 83.1740% | 4,719 |
| Equity capital to assets | 8.5322% | 5,811 |
| Core capital (leverage) ratio | 8.3216% | 5,658 |
| Tier 1 risk-based capital ratio | 12.8605% | 4,720 |
| Total risk-based capital ratio | 14.1136% | 4,688 |
| Memoranda: | ||
| Average total assets | $123,656,200 | 4,408 |
| Average earning assets | $111,961,200 | 4,422 |
| Average equity | $10,523,600 | 4,982 |
| Average total loans | $76,368,600 | 4,441 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4836% | 2,498 |
| Cost of funding earning assets | 1.2528% | 4,556 |
| Net interest margin | 4.2308% | 2,105 |
| Noninterest income to average assets | 0.7620% | 2,439 |
| Noninterest expense to average assets | 3.1604% | 3,068 |
| Loan and lease loss provision to assets | 0.1670% | 5,375 |
| Net operating income to assets | 1.2693% | 1,413 |
| Return on assets (ROA) | 1.2811% | 1,461 |
| Pretax return on assets | 1.2811% | 2,225 |
| Return on Equity (ROE) | 15.0623% | 846 |
| Retained earnings to average equity (ytd only) | 4.6433% | 3,233 |
| Net charge-offs to loans | 0.0951% | 5,583 |
| Credit loss provision to net charge-offs | 283.6364% | 1,142 |
| Earnings coverage of net charge-offs (x) | 24.4005% | 1,030 |
| Efficiency ratio | 68.7544% | 4,321 |
| Assets per employee ($millions) | 3.5091% | 4,959 |
| Cash dividends to net income (ytd only)* | 69.1728% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 2,781 |
| Loan loss allowance to noncurrent loans | 84.7572% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4005% | 4,356 |
| Noncurrent loans to loans | 2.1265% | 3,545 |
| Net loans and leases to total assets | 61.1723% | 4,685 |
| Net loans and leases to deposits | 73.4631% | 4,599 |
| Net loans and leases to core deposits | 78.8584% | 4,688 |
| Total domestic deposits to total assets | 83.2694% | 4,473 |
| Equity capital to assets | 9.1062% | 5,442 |
| Core capital (leverage) ratio | 7.9578% | 6,408 |
| Tier 1 risk-based capital ratio | 12.2891% | 5,195 |
| Total risk-based capital ratio | 13.5445% | 5,158 |
| Memoranda: | ||
| Average total assets | $124,581,000 | 4,448 |
| Average earning assets | $112,916,000 | 4,459 |
| Average equity | $10,595,750 | 5,025 |
| Average total loans | $77,093,500 | 4,498 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4716% | 2,649 |
| Cost of funding earning assets | 1.2869% | 4,614 |
| Net interest margin | 4.1847% | 2,200 |
| Noninterest income to average assets | 0.7334% | 2,496 |
| Noninterest expense to average assets | 3.1014% | 3,312 |
| Loan and lease loss provision to assets | 0.1502% | 5,397 |
| Net operating income to assets | 1.2799% | 1,360 |
| Return on assets (ROA) | 1.2958% | 1,379 |
| Pretax return on assets | 1.2958% | 2,098 |
| Return on Equity (ROE) | 15.5966% | 751 |
| Retained earnings to average equity (ytd only) | 4.7309% | 3,063 |
| Net charge-offs to loans | 0.0906% | 5,231 |
| Credit loss provision to net charge-offs | 268.5714% | 1,405 |
| Earnings coverage of net charge-offs (x) | 25.5714% | 1,030 |
| Efficiency ratio | 68.4415% | 4,490 |
| Assets per employee ($millions) | 3.5446% | 4,809 |
| Cash dividends to net income (ytd only)* | 69.6671% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 2,984 |
| Loan loss allowance to noncurrent loans | 83.0951% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 4,497 |
| Noncurrent loans to loans | 2.0750% | 3,626 |
| Net loans and leases to total assets | 61.4270% | 4,796 |
| Net loans and leases to deposits | 73.2182% | 4,805 |
| Net loans and leases to core deposits | 78.6231% | 4,852 |
| Total domestic deposits to total assets | 83.8958% | 4,149 |
| Equity capital to assets | 8.6385% | 5,961 |
| Core capital (leverage) ratio | 7.8741% | 6,414 |
| Tier 1 risk-based capital ratio | 11.9347% | 5,366 |
| Total risk-based capital ratio | 13.1926% | 5,330 |
| Memoranda: | ||
| Average total assets | $125,169,000 | 4,468 |
| Average earning assets | $113,604,000 | 4,457 |
| Average equity | $10,399,670 | 5,087 |
| Average total loans | $77,288,330 | 4,532 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 2,623 |
| Cost of funding earning assets | 1.3266% | 4,643 |
| Net interest margin | 4.1659% | 2,168 |
| Noninterest income to average assets | 0.6936% | 2,642 |
| Noninterest expense to average assets | 2.9939% | 3,701 |
| Loan and lease loss provision to assets | 0.0923% | 5,711 |
| Net operating income to assets | 1.3840% | 1,110 |
| Return on assets (ROA) | 1.3967% | 1,154 |
| Pretax return on assets | 1.3967% | 1,786 |
| Return on Equity (ROE) | 17.1468% | 595 |
| Retained earnings to average equity (ytd only) | 10.1162% | 1,114 |
| Net charge-offs to loans | 0.0311% | 5,141 |
| Credit loss provision to net charge-offs | 483.3333% | 877 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 399 |
| Efficiency ratio | 66.9751% | 4,925 |
| Assets per employee ($millions) | 3.5711% | 4,887 |
| Cash dividends to net income (ytd only)* | 41.0023% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 3,120 |
| Loan loss allowance to noncurrent loans | 78.0912% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3801% | 4,439 |
| Noncurrent loans to loans | 2.1577% | 3,580 |
| Net loans and leases to total assets | 60.7333% | 4,992 |
| Net loans and leases to deposits | 72.4443% | 4,994 |
| Net loans and leases to core deposits | 77.8556% | 5,038 |
| Total domestic deposits to total assets | 83.8346% | 4,232 |
| Equity capital to assets | 8.3911% | 6,168 |
| Core capital (leverage) ratio | 7.6060% | 6,730 |
| Tier 1 risk-based capital ratio | 11.9465% | 5,253 |
| Total risk-based capital ratio | 13.2015% | 5,207 |
| Memoranda: | ||
| Average total assets | $125,723,000 | 4,506 |
| Average earning assets | $113,974,000 | 4,518 |
| Average equity | $10,241,000 | 5,165 |
| Average total loans | $77,160,500 | 4,600 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6851% | 3,180 |
| Cost of funding earning assets | 1.6440% | 4,826 |
| Net interest margin | 4.0411% | 2,691 |
| Noninterest income to average assets | 0.7172% | 2,864 |
| Noninterest expense to average assets | 3.1667% | 3,489 |
| Loan and lease loss provision to assets | 0.0489% | 7,074 |
| Net operating income to assets | 1.1691% | 1,333 |
| Return on assets (ROA) | 1.2628% | 1,163 |
| Pretax return on assets | 1.2628% | 1,799 |
| Return on Equity (ROE) | 16.7094% | 480 |
| Retained earnings to average equity (ytd only) | 1.7918% | 3,839 |
| Net charge-offs to loans | 0.1340% | 5,863 |
| Credit loss provision to net charge-offs | 59.8039% | 6,641 |
| Earnings coverage of net charge-offs (x) | 14.9020% | 1,343 |
| Efficiency ratio | 72.2222% | 4,230 |
| Assets per employee ($millions) | 3.7193% | 4,476 |
| Cash dividends to net income (ytd only)* | 89.2766% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 3,063 |
| Loan loss allowance to noncurrent loans | 66.8937% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 3,995 |
| Noncurrent loans to loans | 2.4757% | 3,069 |
| Net loans and leases to total assets | 59.9674% | 5,341 |
| Net loans and leases to deposits | 75.2580% | 4,844 |
| Net loans and leases to core deposits | 96.0398% | 4,466 |
| Total domestic deposits to total assets | 79.6824% | 5,781 |
| Equity capital to assets | 7.9031% | 6,667 |
| Core capital (leverage) ratio | 7.5470% | 6,746 |
| Tier 1 risk-based capital ratio | 11.7250% | 5,173 |
| Total risk-based capital ratio | 12.9793% | 5,133 |
| Memoranda: | ||
| Average total assets | $124,797,600 | 4,450 |
| Average earning assets | $113,260,800 | 4,467 |
| Average equity | $9,431,800 | 5,470 |
| Average total loans | $76,145,400 | 4,648 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7278% | 3,201 |
| Cost of funding earning assets | 1.6991% | 4,905 |
| Net interest margin | 4.0287% | 2,687 |
| Noninterest income to average assets | 0.7203% | 2,883 |
| Noninterest expense to average assets | 3.1075% | 3,621 |
| Loan and lease loss provision to assets | 0.0493% | 6,878 |
| Net operating income to assets | 1.2209% | 1,415 |
| Return on assets (ROA) | 1.3453% | 1,195 |
| Pretax return on assets | 1.3453% | 1,831 |
| Return on Equity (ROE) | 18.0093% | 455 |
| Retained earnings to average equity (ytd only) | 3.1140% | 3,578 |
| Net charge-offs to loans | 0.1581% | 5,123 |
| Credit loss provision to net charge-offs | 51.1111% | 6,292 |
| Earnings coverage of net charge-offs (x) | 13.1663% | 1,695 |
| Efficiency ratio | 70.9843% | 4,426 |
| Assets per employee ($millions) | 3.7083% | 4,405 |
| Cash dividends to net income (ytd only)* | 82.7095% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 2,675 |
| Loan loss allowance to noncurrent loans | 57.5881% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.8083% | 3,643 |
| Noncurrent loans to loans | 2.9326% | 2,598 |
| Net loans and leases to total assets | 58.8672% | 5,757 |
| Net loans and leases to deposits | 71.5045% | 5,735 |
| Net loans and leases to core deposits | 92.0331% | 5,229 |
| Total domestic deposits to total assets | 82.3266% | 4,531 |
| Equity capital to assets | 8.0027% | 6,845 |
| Core capital (leverage) ratio | 7.4812% | 7,002 |
| Tier 1 risk-based capital ratio | 11.8582% | 5,098 |
| Total risk-based capital ratio | 13.1132% | 5,034 |
| Memoranda: | ||
| Average total assets | $124,382,750 | 4,490 |
| Average earning assets | $112,919,750 | 4,521 |
| Average equity | $9,291,250 | 5,560 |
| Average total loans | $75,904,250 | 4,699 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7466% | 3,314 |
| Cost of funding earning assets | 1.7480% | 5,024 |
| Net interest margin | 3.9986% | 2,702 |
| Noninterest income to average assets | 0.6881% | 3,071 |
| Noninterest expense to average assets | 3.0610% | 3,836 |
| Loan and lease loss provision to assets | 0.0485% | 6,750 |
| Net operating income to assets | 1.2034% | 1,463 |
| Return on assets (ROA) | 1.3908% | 1,119 |
| Pretax return on assets | 1.3908% | 1,751 |
| Return on Equity (ROE) | 19.0803% | 397 |
| Retained earnings to average equity (ytd only) | 0.0665% | 5,178 |
| Net charge-offs to loans | 0.1184% | 4,977 |
| Credit loss provision to net charge-offs | 66.6667% | 5,479 |
| Earnings coverage of net charge-offs (x) | 17.2222% | 1,489 |
| Efficiency ratio | 70.9738% | 4,597 |
| Assets per employee ($millions) | 3.6754% | 4,383 |
| Cash dividends to net income (ytd only)* | 99.6516% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 2,291 |
| Loan loss allowance to noncurrent loans | 123.9544% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.0699% | 4,825 |
| Noncurrent loans to loans | 1.3818% | 4,453 |
| Net loans and leases to total assets | 59.8776% | 5,692 |
| Net loans and leases to deposits | 70.6752% | 5,915 |
| Net loans and leases to core deposits | 89.2869% | 5,600 |
| Total domestic deposits to total assets | 84.7221% | 3,391 |
| Equity capital to assets | 7.1684% | 7,506 |
| Core capital (leverage) ratio | 7.3305% | 7,210 |
| Tier 1 risk-based capital ratio | 11.4034% | 5,495 |
| Total risk-based capital ratio | 12.6579% | 5,402 |
| Memoranda: | ||
| Average total assets | $123,816,330 | 4,538 |
| Average earning assets | $112,239,670 | 4,565 |
| Average equity | $9,025,000 | 5,680 |
| Average total loans | $76,040,330 | 4,732 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7384% | 3,597 |
| Cost of funding earning assets | 1.7569% | 5,326 |
| Net interest margin | 3.9816% | 2,719 |
| Noninterest income to average assets | 0.6491% | 3,204 |
| Noninterest expense to average assets | 2.9860% | 3,832 |
| Loan and lease loss provision to assets | 0.0487% | 6,362 |
| Net operating income to assets | 1.2333% | 1,552 |
| Return on assets (ROA) | 1.6001% | 862 |
| Pretax return on assets | 1.6001% | 1,405 |
| Return on Equity (ROE) | 21.7696% | 317 |
| Retained earnings to average equity (ytd only) | 3.7534% | 3,815 |
| Net charge-offs to loans | 0.0053% | 5,624 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 85 |
| Efficiency ratio | 69.9620% | 4,585 |
| Assets per employee ($millions) | 3.6256% | 4,515 |
| Cash dividends to net income (ytd only)* | 82.7586% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 1,907 |
| Loan loss allowance to noncurrent loans | 386.3768% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 6,133 |
| Noncurrent loans to loans | 0.4600% | 6,263 |
| Net loans and leases to total assets | 59.7618% | 5,696 |
| Net loans and leases to deposits | 72.3629% | 5,700 |
| Net loans and leases to core deposits | 91.6692% | 5,380 |
| Total domestic deposits to total assets | 82.5863% | 4,339 |
| Equity capital to assets | 7.2539% | 7,521 |
| Core capital (leverage) ratio | 7.6323% | 6,981 |
| Tier 1 risk-based capital ratio | 11.5373% | 5,367 |
| Total risk-based capital ratio | 12.7905% | 5,265 |
| Memoranda: | ||
| Average total assets | $123,242,000 | 4,569 |
| Average earning assets | $112,016,500 | 4,585 |
| Average equity | $9,058,500 | 5,688 |
| Average total loans | $75,995,500 | 4,765 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4851% | 3,031 |
| Cost of funding earning assets | 2.2873% | 5,218 |
| Net interest margin | 4.1979% | 2,318 |
| Noninterest income to average assets | 0.8357% | 2,321 |
| Noninterest expense to average assets | 3.0483% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5861% | 853 |
| Return on assets (ROA) | 1.6188% | 769 |
| Pretax return on assets | 1.6188% | 1,334 |
| Return on Equity (ROE) | 21.6880% | 270 |
| Retained earnings to average equity (ytd only) | 2.4328% | 3,681 |
| Net charge-offs to loans | 0.0813% | 5,603 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 31.7759% | 1,125 |
| Efficiency ratio | 65.7753% | 5,174 |
| Assets per employee ($millions) | 3.8504% | 3,855 |
| Cash dividends to net income (ytd only)* | 88.7826% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 1,873 |
| Loan loss allowance to noncurrent loans | 283.0472% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 6,102 |
| Noncurrent loans to loans | 0.6053% | 5,556 |
| Net loans and leases to total assets | 61.4140% | 5,709 |
| Net loans and leases to deposits | 75.4377% | 5,662 |
| Net loans and leases to core deposits | 93.6637% | 5,475 |
| Total domestic deposits to total assets | 81.4102% | 4,456 |
| Equity capital to assets | 7.4465% | 7,429 |
| Core capital (leverage) ratio | 7.6382% | 7,022 |
| Tier 1 risk-based capital ratio | 11.3050% | 5,438 |
| Total risk-based capital ratio | 12.5603% | 5,325 |
| Memoranda: | ||
| Average total assets | $116,195,200 | 4,606 |
| Average earning assets | $105,148,000 | 4,642 |
| Average equity | $8,673,000 | 5,853 |
| Average total loans | $71,313,400 | 4,823 |