Home > Integrity Bank Plus > Performance and Condition Ratios
Integrity Bank Plus, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4341% | 1,252 |
| Cost of funding earning assets | 0.8357% | 3,645 |
| Net interest margin | 4.5983% | 527 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.8186% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5117% | 998 |
| Return on assets (ROA) | 1.3607% | 1,267 |
| Pretax return on assets | 1.4556% | 1,521 |
| Return on Equity (ROE) | 18.4700% | 762 |
| Retained earnings to average equity (ytd only) | 9.4972% | 1,135 |
| Net charge-offs to loans | 0.0049% | 2,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 471.6667% | 304 |
| Efficiency ratio | 63.5309% | 2,663 |
| Assets per employee ($millions) | 6.3934% | 2,486 |
| Cash dividends to net income (ytd only)* | 48.5714% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 832 |
| Loan loss allowance to noncurrent loans | 41.3060% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.8914% | 79 |
| Noncurrent loans to loans | 3.8823% | 88 |
| Net loans and leases to total assets | 73.2800% | 1,444 |
| Net loans and leases to deposits | 88.5182% | 1,388 |
| Net loans and leases to core deposits | 90.5792% | 2,009 |
| Total domestic deposits to total assets | 82.7900% | 2,943 |
| Equity capital to assets | 7.9457% | 3,454 |
| Core capital (leverage) ratio | 10.0426% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7968% | 1,937 |
| Memoranda: | ||
| Average total assets | $87,456,000 | 3,942 |
| Average earning assets | $82,442,800 | 3,901 |
| Average equity | $6,444,000 | 4,120 |
| Average total loans | $60,909,800 | 3,693 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 1,119 |
| Cost of funding earning assets | 0.7146% | 3,730 |
| Net interest margin | 4.6980% | 461 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.3126% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1054% | 434 |
| Return on assets (ROA) | 1.8985% | 555 |
| Pretax return on assets | 1.9951% | 755 |
| Return on Equity (ROE) | 26.3000% | 341 |
| Retained earnings to average equity (ytd only) | 17.5026% | 365 |
| Net charge-offs to loans | 0.0067% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 481.0000% | 314 |
| Efficiency ratio | 51.1013% | 3,827 |
| Assets per employee ($millions) | 5.6524% | 3,063 |
| Cash dividends to net income (ytd only)* | 33.4410% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 667 |
| Loan loss allowance to noncurrent loans | 38.6421% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 3.2659% | 56 |
| Noncurrent loans to loans | 4.4572% | 65 |
| Net loans and leases to total assets | 72.0100% | 1,575 |
| Net loans and leases to deposits | 80.4952% | 2,004 |
| Net loans and leases to core deposits | 82.8739% | 2,406 |
| Total domestic deposits to total assets | 89.4600% | 1,086 |
| Equity capital to assets | 7.4364% | 3,393 |
| Core capital (leverage) ratio | 10.4508% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8308% | 1,619 |
| Memoranda: | ||
| Average total assets | $86,943,000 | 3,963 |
| Average earning assets | $81,904,500 | 3,925 |
| Average equity | $6,277,000 | 4,141 |
| Average total loans | $59,472,000 | 3,724 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 1,630 |
| Cost of funding earning assets | 0.6015% | 3,750 |
| Net interest margin | 4.3585% | 745 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.3385% | 2,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7350% | 734 |
| Return on assets (ROA) | 1.4305% | 1,240 |
| Pretax return on assets | 1.5286% | 1,540 |
| Return on Equity (ROE) | 20.0100% | 706 |
| Retained earnings to average equity (ytd only) | 8.5518% | 1,803 |
| Net charge-offs to loans | 0.0444% | 1,061 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 62.4615% | 1,177 |
| Efficiency ratio | 55.7975% | 3,445 |
| Assets per employee ($millions) | 6.1549% | 2,578 |
| Cash dividends to net income (ytd only)* | 57.2568% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8150% | 587 |
| Loan loss allowance to noncurrent loans | 38.0884% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 3.2297% | 57 |
| Noncurrent loans to loans | 4.7652% | 57 |
| Net loans and leases to total assets | 66.5500% | 2,098 |
| Net loans and leases to deposits | 72.7980% | 2,592 |
| Net loans and leases to core deposits | 74.9543% | 2,830 |
| Total domestic deposits to total assets | 91.4100% | 522 |
| Equity capital to assets | 7.4366% | 3,562 |
| Core capital (leverage) ratio | 9.9013% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6325% | 1,680 |
| Memoranda: | ||
| Average total assets | $87,662,000 | 3,969 |
| Average earning assets | $82,460,000 | 3,931 |
| Average equity | $6,267,667 | 4,162 |
| Average total loans | $58,588,000 | 3,741 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 1,399 |
| Cost of funding earning assets | 0.5280% | 3,600 |
| Net interest margin | 4.3774% | 714 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.3256% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8938% | 581 |
| Return on assets (ROA) | 1.2578% | 1,752 |
| Pretax return on assets | 1.2668% | 2,265 |
| Return on Equity (ROE) | 17.9400% | 1,038 |
| Retained earnings to average equity (ytd only) | 14.4574% | 872 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.9145% | 3,515 |
| Assets per employee ($millions) | 5.9393% | 2,815 |
| Cash dividends to net income (ytd only)* | 19.4245% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 518 |
| Loan loss allowance to noncurrent loans | 37.5175% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 3.2103% | 45 |
| Noncurrent loans to loans | 5.0965% | 54 |
| Net loans and leases to total assets | 61.7900% | 2,485 |
| Net loans and leases to deposits | 67.4179% | 2,818 |
| Net loans and leases to core deposits | 68.5625% | 3,050 |
| Total domestic deposits to total assets | 91.6500% | 609 |
| Equity capital to assets | 7.3410% | 3,652 |
| Core capital (leverage) ratio | 9.4158% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6716% | 1,736 |
| Memoranda: | ||
| Average total assets | $88,409,000 | 4,014 |
| Average earning assets | $83,337,000 | 3,977 |
| Average equity | $6,197,500 | 4,222 |
| Average total loans | $58,680,500 | 3,778 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 1,800 |
| Cost of funding earning assets | 0.2391% | 3,422 |
| Net interest margin | 3.7294% | 1,306 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.5670% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2591% | 1,571 |
| Return on assets (ROA) | 1.2375% | 1,590 |
| Pretax return on assets | 1.2965% | 2,100 |
| Return on Equity (ROE) | 16.8500% | 884 |
| Retained earnings to average equity (ytd only) | 7.4886% | 2,030 |
| Net charge-offs to loans | 0.0053% | 2,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 387.0000% | 399 |
| Efficiency ratio | 66.0526% | 2,225 |
| Assets per employee ($millions) | 5.8486% | 2,904 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 732 |
| Loan loss allowance to noncurrent loans | 36.2559% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 3.3672% | 36 |
| Noncurrent loans to loans | 4.8233% | 56 |
| Net loans and leases to total assets | 68.5900% | 1,776 |
| Net loans and leases to deposits | 78.2759% | 1,913 |
| Net loans and leases to core deposits | 80.2200% | 2,121 |
| Total domestic deposits to total assets | 87.6300% | 2,198 |
| Equity capital to assets | 6.6740% | 3,828 |
| Core capital (leverage) ratio | 9.2103% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1222% | 2,318 |
| Memoranda: | ||
| Average total assets | $88,002,800 | 4,038 |
| Average earning assets | $83,229,800 | 4,001 |
| Average equity | $6,463,200 | 4,280 |
| Average total loans | $56,095,800 | 3,805 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 1,996 |
| Cost of funding earning assets | 0.1679% | 3,652 |
| Net interest margin | 3.5472% | 1,531 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.2057% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5911% | 669 |
| Return on assets (ROA) | 1.5608% | 702 |
| Pretax return on assets | 1.5608% | 1,229 |
| Return on Equity (ROE) | 20.7800% | 377 |
| Retained earnings to average equity (ytd only) | 13.5441% | 531 |
| Net charge-offs to loans | 0.0097% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 262.7500% | 520 |
| Efficiency ratio | 58.0941% | 3,371 |
| Assets per employee ($millions) | 5.8629% | 2,886 |
| Cash dividends to net income (ytd only)* | 34.8206% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 636 |
| Loan loss allowance to noncurrent loans | 31.9701% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 3.8092% | 26 |
| Noncurrent loans to loans | 5.8526% | 41 |
| Net loans and leases to total assets | 63.8700% | 2,104 |
| Net loans and leases to deposits | 68.8531% | 2,469 |
| Net loans and leases to core deposits | 70.4605% | 2,608 |
| Total domestic deposits to total assets | 92.7600% | 645 |
| Equity capital to assets | 6.1414% | 3,908 |
| Core capital (leverage) ratio | 9.1164% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3428% | 1,924 |
| Memoranda: | ||
| Average total assets | $88,071,250 | 4,065 |
| Average earning assets | $83,368,500 | 4,032 |
| Average equity | $6,615,250 | 4,300 |
| Average total loans | $54,808,750 | 3,839 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 1,989 |
| Cost of funding earning assets | 0.1486% | 3,593 |
| Net interest margin | 3.4039% | 1,595 |
| Noninterest income to average assets | 0.5084% | 2,153 |
| Noninterest expense to average assets | 2.2131% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5185% | 680 |
| Return on assets (ROA) | 1.4731% | 734 |
| Pretax return on assets | 1.4731% | 1,242 |
| Return on Equity (ROE) | 18.4900% | 419 |
| Retained earnings to average equity (ytd only) | 16.4103% | 171 |
| Net charge-offs to loans | -0.0037% | 3,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3066% | 3,403 |
| Assets per employee ($millions) | 6.0575% | 2,692 |
| Cash dividends to net income (ytd only)* | 11.2481% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 621 |
| Loan loss allowance to noncurrent loans | 31.6006% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 3.7474% | 32 |
| Noncurrent loans to loans | 6.1237% | 39 |
| Net loans and leases to total assets | 60.0112% | 2,325 |
| Net loans and leases to deposits | 65.2194% | 2,616 |
| Net loans and leases to core deposits | 65.9778% | 2,819 |
| Total domestic deposits to total assets | 92.0144% | 825 |
| Equity capital to assets | 6.9907% | 3,778 |
| Core capital (leverage) ratio | 9.3348% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3683% | 1,910 |
| Memoranda: | ||
| Average total assets | $88,113,667 | 4,098 |
| Average earning assets | $83,432,667 | 4,082 |
| Average equity | $7,020,000 | 4,318 |
| Average total loans | $53,998,333 | 3,891 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 2,140 |
| Cost of funding earning assets | 0.1611% | 3,352 |
| Net interest margin | 3.2210% | 1,812 |
| Noninterest income to average assets | 0.1107% | 4,454 |
| Noninterest expense to average assets | 2.2597% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8946% | 2,288 |
| Return on assets (ROA) | 0.8946% | 2,291 |
| Pretax return on assets | 0.8946% | 2,796 |
| Return on Equity (ROE) | 10.5521% | 1,782 |
| Retained earnings to average equity (ytd only) | 8.5940% | 1,399 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6374% | 2,022 |
| Assets per employee ($millions) | 5.9050% | 2,890 |
| Cash dividends to net income (ytd only)* | 18.5567% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0797% | 540 |
| Loan loss allowance to noncurrent loans | 29.9360% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 4.0542% | 36 |
| Noncurrent loans to loans | 6.9471% | 34 |
| Net loans and leases to total assets | 57.1448% | 2,396 |
| Net loans and leases to deposits | 62.4442% | 2,680 |
| Net loans and leases to core deposits | 63.1910% | 2,869 |
| Total domestic deposits to total assets | 91.5134% | 798 |
| Equity capital to assets | 7.5236% | 3,919 |
| Core capital (leverage) ratio | 8.7465% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4917% | 1,994 |
| Memoranda: | ||
| Average total assets | $86,739,000 | 4,136 |
| Average earning assets | $81,961,000 | 4,111 |
| Average equity | $7,354,000 | 4,328 |
| Average total loans | $53,195,500 | 3,918 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 526 |
| Cost of funding earning assets | 0.2542% | 2,876 |
| Net interest margin | 4.3235% | 382 |
| Noninterest income to average assets | 0.1137% | 4,552 |
| Noninterest expense to average assets | 3.1008% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9841% | 2,739 |
| Return on assets (ROA) | 0.9602% | 2,901 |
| Pretax return on assets | 1.0595% | 3,107 |
| Return on Equity (ROE) | 9.4580% | 2,733 |
| Retained earnings to average equity (ytd only) | 0.2948% | 4,418 |
| Net charge-offs to loans | -0.0038% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0635% | 1,293 |
| Assets per employee ($millions) | 6.0645% | 2,700 |
| Cash dividends to net income (ytd only)* | 96.8828% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9653% | 640 |
| Loan loss allowance to noncurrent loans | 29.0070% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 4.3650% | 37 |
| Noncurrent loans to loans | 6.7751% | 38 |
| Net loans and leases to total assets | 63.1603% | 1,798 |
| Net loans and leases to deposits | 70.5778% | 2,066 |
| Net loans and leases to core deposits | 71.4790% | 2,304 |
| Total domestic deposits to total assets | 89.4904% | 1,244 |
| Equity capital to assets | 9.4743% | 3,168 |
| Core capital (leverage) ratio | 8.6861% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9235% | 2,272 |
| Memoranda: | ||
| Average total assets | $83,528,000 | 4,170 |
| Average earning assets | $78,686,000 | 4,145 |
| Average equity | $8,479,600 | 4,294 |
| Average total loans | $52,743,600 | 3,950 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 429 |
| Cost of funding earning assets | 0.2706% | 2,888 |
| Net interest margin | 4.5030% | 313 |
| Noninterest income to average assets | 0.1122% | 4,617 |
| Noninterest expense to average assets | 2.9187% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4345% | 1,430 |
| Return on assets (ROA) | 1.4345% | 1,499 |
| Pretax return on assets | 1.4345% | 2,196 |
| Return on Equity (ROE) | 13.8942% | 1,423 |
| Retained earnings to average equity (ytd only) | 4.9833% | 3,229 |
| Net charge-offs to loans | -0.0026% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0471% | 1,967 |
| Assets per employee ($millions) | 6.2004% | 2,501 |
| Cash dividends to net income (ytd only)* | 64.1341% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 631 |
| Loan loss allowance to noncurrent loans | 28.3223% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 4.3603% | 39 |
| Noncurrent loans to loans | 7.0617% | 38 |
| Net loans and leases to total assets | 60.5108% | 2,194 |
| Net loans and leases to deposits | 67.9284% | 2,441 |
| Net loans and leases to core deposits | 68.7805% | 2,710 |
| Total domestic deposits to total assets | 89.0802% | 1,234 |
| Equity capital to assets | 9.7896% | 3,111 |
| Core capital (leverage) ratio | 9.1262% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0522% | 1,952 |
| Memoranda: | ||
| Average total assets | $83,184,250 | 4,224 |
| Average earning assets | $78,345,000 | 4,201 |
| Average equity | $8,588,500 | 4,341 |
| Average total loans | $52,254,500 | 4,009 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 220 |
| Cost of funding earning assets | 0.2854% | 2,915 |
| Net interest margin | 5.0185% | 164 |
| Noninterest income to average assets | 0.1025% | 4,682 |
| Noninterest expense to average assets | 3.0399% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7810% | 742 |
| Return on assets (ROA) | 1.7810% | 781 |
| Pretax return on assets | 1.7810% | 1,278 |
| Return on Equity (ROE) | 16.9400% | 794 |
| Retained earnings to average equity (ytd only) | 15.8029% | 351 |
| Net charge-offs to loans | -0.0039% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0567% | 2,563 |
| Assets per employee ($millions) | 5.7154% | 2,877 |
| Cash dividends to net income (ytd only)* | 6.7123% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 650 |
| Loan loss allowance to noncurrent loans | 28.1801% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 4.4290% | 48 |
| Noncurrent loans to loans | 6.9753% | 42 |
| Net loans and leases to total assets | 62.2470% | 2,148 |
| Net loans and leases to deposits | 70.2809% | 2,378 |
| Net loans and leases to core deposits | 71.1780% | 2,673 |
| Total domestic deposits to total assets | 88.5689% | 1,533 |
| Equity capital to assets | 10.3253% | 2,556 |
| Core capital (leverage) ratio | 9.6865% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3952% | 1,504 |
| Memoranda: | ||
| Average total assets | $81,977,000 | 4,264 |
| Average earning assets | $77,074,333 | 4,244 |
| Average equity | $8,618,667 | 4,360 |
| Average total loans | $51,806,333 | 4,044 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9055% | 125 |
| Cost of funding earning assets | 0.3133% | 2,860 |
| Net interest margin | 5.5922% | 90 |
| Noninterest income to average assets | 0.0999% | 4,686 |
| Noninterest expense to average assets | 2.8365% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5218% | 256 |
| Return on assets (ROA) | 2.5218% | 278 |
| Pretax return on assets | 2.5218% | 422 |
| Return on Equity (ROE) | 23.7591% | 304 |
| Retained earnings to average equity (ytd only) | 22.6300% | 189 |
| Net charge-offs to loans | -0.0079% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9357% | 3,922 |
| Assets per employee ($millions) | 5.6297% | 2,992 |
| Cash dividends to net income (ytd only)* | 4.7525% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 523 |
| Loan loss allowance to noncurrent loans | 27.5765% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 4.6077% | 44 |
| Noncurrent loans to loans | 7.5140% | 38 |
| Net loans and leases to total assets | 60.0509% | 2,539 |
| Net loans and leases to deposits | 67.7470% | 2,726 |
| Net loans and leases to core deposits | 68.3884% | 3,029 |
| Total domestic deposits to total assets | 88.6399% | 1,539 |
| Equity capital to assets | 10.2682% | 2,460 |
| Core capital (leverage) ratio | 9.8386% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2153% | 1,501 |
| Memoranda: | ||
| Average total assets | $80,100,000 | 4,305 |
| Average earning assets | $75,319,500 | 4,286 |
| Average equity | $8,502,000 | 4,387 |
| Average total loans | $50,492,000 | 4,090 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 1,393 |
| Cost of funding earning assets | 0.5421% | 2,664 |
| Net interest margin | 3.9251% | 1,149 |
| Noninterest income to average assets | 0.1074% | 4,720 |
| Noninterest expense to average assets | 2.8073% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0017% | 2,287 |
| Return on assets (ROA) | 1.0003% | 2,435 |
| Pretax return on assets | 1.0017% | 3,043 |
| Return on Equity (ROE) | 8.7410% | 2,501 |
| Retained earnings to average equity (ytd only) | 3.9013% | 2,873 |
| Net charge-offs to loans | -0.0042% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6745% | 1,488 |
| Assets per employee ($millions) | 5.0503% | 3,340 |
| Cash dividends to net income (ytd only)* | 55.3672% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1788% | 428 |
| Loan loss allowance to noncurrent loans | 22.8279% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 6.1989% | 28 |
| Noncurrent loans to loans | 9.5445% | 26 |
| Net loans and leases to total assets | 63.5324% | 2,428 |
| Net loans and leases to deposits | 72.2972% | 2,653 |
| Net loans and leases to core deposits | 73.0666% | 2,993 |
| Total domestic deposits to total assets | 87.8767% | 1,545 |
| Equity capital to assets | 10.9999% | 2,251 |
| Core capital (leverage) ratio | 10.2372% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9188% | 1,560 |
| Memoranda: | ||
| Average total assets | $70,779,200 | 4,373 |
| Average earning assets | $66,775,000 | 4,342 |
| Average equity | $8,099,800 | 4,410 |
| Average total loans | $47,774,800 | 4,148 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 1,206 |
| Cost of funding earning assets | 0.5852% | 2,707 |
| Net interest margin | 4.0540% | 992 |
| Noninterest income to average assets | 0.1381% | 4,610 |
| Noninterest expense to average assets | 2.8244% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1505% | 1,818 |
| Return on assets (ROA) | 1.1505% | 1,934 |
| Pretax return on assets | 1.1524% | 2,560 |
| Return on Equity (ROE) | 9.9481% | 2,035 |
| Retained earnings to average equity (ytd only) | 3.4487% | 3,336 |
| Net charge-offs to loans | -0.0028% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0222% | 1,751 |
| Assets per employee ($millions) | 4.8024% | 3,484 |
| Cash dividends to net income (ytd only)* | 65.3333% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1103% | 411 |
| Loan loss allowance to noncurrent loans | 28.3333% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 5.2474% | 52 |
| Noncurrent loans to loans | 7.4483% | 49 |
| Net loans and leases to total assets | 68.9641% | 2,116 |
| Net loans and leases to deposits | 79.0086% | 2,421 |
| Net loans and leases to core deposits | 80.5601% | 2,795 |
| Total domestic deposits to total assets | 87.2869% | 1,547 |
| Equity capital to assets | 11.4221% | 2,071 |
| Core capital (leverage) ratio | 10.4235% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1488% | 1,464 |
| Memoranda: | ||
| Average total assets | $69,535,250 | 4,402 |
| Average earning assets | $65,843,500 | 4,366 |
| Average equity | $8,041,500 | 4,436 |
| Average total loans | $47,418,250 | 4,180 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 1,129 |
| Cost of funding earning assets | 0.6204% | 2,861 |
| Net interest margin | 4.1961% | 934 |
| Noninterest income to average assets | 0.1397% | 4,603 |
| Noninterest expense to average assets | 2.8908% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2460% | 1,506 |
| Return on assets (ROA) | 1.2460% | 1,625 |
| Pretax return on assets | 1.2460% | 2,198 |
| Return on Equity (ROE) | 10.7277% | 1,727 |
| Retained earnings to average equity (ytd only) | 4.1858% | 2,827 |
| Net charge-offs to loans | -0.0043% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8804% | 1,975 |
| Assets per employee ($millions) | 4.9009% | 3,298 |
| Cash dividends to net income (ytd only)* | 60.9813% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1613% | 355 |
| Loan loss allowance to noncurrent loans | 28.4355% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 5.1473% | 52 |
| Noncurrent loans to loans | 7.6005% | 50 |
| Net loans and leases to total assets | 66.2595% | 2,589 |
| Net loans and leases to deposits | 76.5375% | 2,801 |
| Net loans and leases to core deposits | 77.3862% | 3,163 |
| Total domestic deposits to total assets | 86.5713% | 1,780 |
| Equity capital to assets | 11.1421% | 2,217 |
| Core capital (leverage) ratio | 10.9431% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3822% | 1,397 |
| Memoranda: | ||
| Average total assets | $68,701,667 | 4,418 |
| Average earning assets | $65,441,000 | 4,383 |
| Average equity | $7,979,333 | 4,457 |
| Average total loans | $46,307,667 | 4,207 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0376% | 895 |
| Cost of funding earning assets | 0.6998% | 2,929 |
| Net interest margin | 4.3377% | 707 |
| Noninterest income to average assets | 0.1810% | 4,457 |
| Noninterest expense to average assets | 3.1194% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2128% | 1,474 |
| Return on assets (ROA) | 1.2128% | 1,587 |
| Pretax return on assets | 1.2128% | 2,144 |
| Return on Equity (ROE) | 10.2115% | 1,675 |
| Retained earnings to average equity (ytd only) | 3.5562% | 2,869 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0056% | 2,074 |
| Assets per employee ($millions) | 4.7296% | 2,955 |
| Cash dividends to net income (ytd only)* | 65.1741% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3331% | 313 |
| Loan loss allowance to noncurrent loans | 129.7590% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2535% | 961 |
| Noncurrent loans to loans | 1.7981% | 838 |
| Net loans and leases to total assets | 68.0883% | 2,526 |
| Net loans and leases to deposits | 78.6120% | 2,822 |
| Net loans and leases to core deposits | 80.1379% | 3,184 |
| Total domestic deposits to total assets | 86.6131% | 1,731 |
| Equity capital to assets | 12.0730% | 2,016 |
| Core capital (leverage) ratio | 11.2149% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3134% | 1,274 |
| Memoranda: | ||
| Average total assets | $66,295,500 | 4,464 |
| Average earning assets | $63,443,500 | 4,429 |
| Average equity | $7,873,500 | 4,496 |
| Average total loans | $44,568,500 | 4,262 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1949% | 1,006 |
| Cost of funding earning assets | 0.6367% | 3,473 |
| Net interest margin | 4.5582% | 635 |
| Noninterest income to average assets | 0.0065% | 5,117 |
| Noninterest expense to average assets | 3.0612% | 1,848 |
| Loan and lease loss provision to assets | -0.4043% | 5,159 |
| Net operating income to assets | 1.6543% | 733 |
| Return on assets (ROA) | 1.6543% | 782 |
| Pretax return on assets | 1.6559% | 1,320 |
| Return on Equity (ROE) | 13.5014% | 1,008 |
| Retained earnings to average equity (ytd only) | 1.3066% | 4,272 |
| Net charge-offs to loans | -0.7447% | 5,129 |
| Credit loss provision to net charge-offs | 76.6871% | 2,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9786% | 2,028 |
| Assets per employee ($millions) | 4.7412% | 2,907 |
| Cash dividends to net income (ytd only)* | 90.3226% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5060% | 218 |
| Loan loss allowance to noncurrent loans | 321.4925% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 2,398 |
| Noncurrent loans to loans | 0.7795% | 1,950 |
| Net loans and leases to total assets | 63.1228% | 3,302 |
| Net loans and leases to deposits | 72.2571% | 3,502 |
| Net loans and leases to core deposits | 73.1273% | 3,788 |
| Total domestic deposits to total assets | 87.3586% | 1,428 |
| Equity capital to assets | 11.6803% | 2,368 |
| Core capital (leverage) ratio | 11.3835% | 2,198 |
| Tier 1 risk-based capital ratio | 16.9401% | 2,068 |
| Total risk-based capital ratio | 18.2034% | 2,013 |
| Memoranda: | ||
| Average total assets | $61,837,800 | 4,566 |
| Average earning assets | $58,422,800 | 4,550 |
| Average equity | $7,577,000 | 4,558 |
| Average total loans | $43,776,200 | 4,312 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 1,025 |
| Cost of funding earning assets | 0.6001% | 3,701 |
| Net interest margin | 4.6099% | 606 |
| Noninterest income to average assets | 0.1472% | 4,812 |
| Noninterest expense to average assets | 2.9498% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5485% | 1,066 |
| Return on assets (ROA) | 1.5485% | 1,119 |
| Pretax return on assets | 1.5507% | 1,812 |
| Return on Equity (ROE) | 12.4782% | 1,454 |
| Retained earnings to average equity (ytd only) | 0.4071% | 4,687 |
| Net charge-offs to loans | -0.3032% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5442% | 2,790 |
| Assets per employee ($millions) | 4.5406% | 3,136 |
| Cash dividends to net income (ytd only)* | 96.7372% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5087% | 215 |
| Loan loss allowance to noncurrent loans | 96.6667% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7933% | 553 |
| Noncurrent loans to loans | 2.5952% | 430 |
| Net loans and leases to total assets | 67.3693% | 2,880 |
| Net loans and leases to deposits | 77.5328% | 3,149 |
| Net loans and leases to core deposits | 78.5121% | 3,509 |
| Total domestic deposits to total assets | 86.8914% | 1,577 |
| Equity capital to assets | 12.0420% | 2,225 |
| Core capital (leverage) ratio | 12.0594% | 1,811 |
| Tier 1 risk-based capital ratio | 16.3325% | 2,321 |
| Total risk-based capital ratio | 17.5974% | 2,249 |
| Memoranda: | ||
| Average total assets | $60,703,000 | 4,647 |
| Average earning assets | $57,324,500 | 4,628 |
| Average equity | $7,533,000 | 4,618 |
| Average total loans | $43,976,250 | 4,363 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 849 |
| Cost of funding earning assets | 0.5729% | 3,779 |
| Net interest margin | 4.7068% | 487 |
| Noninterest income to average assets | 0.1372% | 4,885 |
| Noninterest expense to average assets | 2.9424% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6469% | 816 |
| Return on assets (ROA) | 1.6469% | 850 |
| Pretax return on assets | 1.6503% | 1,392 |
| Return on Equity (ROE) | 13.1334% | 1,199 |
| Retained earnings to average equity (ytd only) | -3.4435% | 4,991 |
| Net charge-offs to loans | -0.4546% | 5,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0671% | 3,123 |
| Assets per employee ($millions) | 4.2332% | 3,519 |
| Cash dividends to net income (ytd only)* | 126.2195% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4233% | 246 |
| Loan loss allowance to noncurrent loans | 96.1572% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9320% | 489 |
| Noncurrent loans to loans | 2.5202% | 473 |
| Net loans and leases to total assets | 74.8030% | 1,754 |
| Net loans and leases to deposits | 87.9533% | 2,014 |
| Net loans and leases to core deposits | 88.4941% | 2,748 |
| Total domestic deposits to total assets | 85.0485% | 2,453 |
| Equity capital to assets | 12.6365% | 1,781 |
| Core capital (leverage) ratio | 12.1200% | 1,742 |
| Tier 1 risk-based capital ratio | 15.8117% | 2,497 |
| Total risk-based capital ratio | 17.0762% | 2,422 |
| Memoranda: | ||
| Average total assets | $59,747,670 | 4,699 |
| Average earning assets | $56,556,670 | 4,677 |
| Average equity | $7,492,330 | 4,649 |
| Average total loans | $43,992,330 | 4,390 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 908 |
| Cost of funding earning assets | 0.5083% | 4,023 |
| Net interest margin | 4.6952% | 499 |
| Noninterest income to average assets | 0.1334% | 4,930 |
| Noninterest expense to average assets | 2.9605% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6003% | 897 |
| Return on assets (ROA) | 1.6003% | 928 |
| Pretax return on assets | 1.6070% | 1,455 |
| Return on Equity (ROE) | 12.8102% | 1,277 |
| Retained earnings to average equity (ytd only) | 9.6077% | 1,133 |
| Net charge-offs to loans | -0.9151% | 5,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8175% | 3,112 |
| Assets per employee ($millions) | 4.5460% | 3,122 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5184% | 239 |
| Loan loss allowance to noncurrent loans | 86.3529% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 2.1574% | 416 |
| Noncurrent loans to loans | 2.9164% | 387 |
| Net loans and leases to total assets | 72.1141% | 2,139 |
| Net loans and leases to deposits | 83.7980% | 2,411 |
| Net loans and leases to core deposits | 84.3069% | 2,998 |
| Total domestic deposits to total assets | 86.0571% | 2,258 |
| Equity capital to assets | 12.9903% | 1,461 |
| Core capital (leverage) ratio | 12.6131% | 1,452 |
| Tier 1 risk-based capital ratio | 16.9199% | 2,129 |
| Total risk-based capital ratio | 18.1839% | 2,077 |
| Memoranda: | ||
| Average total assets | $59,989,000 | 4,748 |
| Average earning assets | $56,654,000 | 4,729 |
| Average equity | $7,494,000 | 4,682 |
| Average total loans | $43,272,000 | 4,452 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 977 |
| Cost of funding earning assets | 0.4740% | 3,520 |
| Net interest margin | 4.5591% | 676 |
| Noninterest income to average assets | 0.1166% | 5,090 |
| Noninterest expense to average assets | 3.1135% | 1,762 |
| Loan and lease loss provision to assets | 0.0500% | 3,186 |
| Net operating income to assets | 1.2311% | 2,044 |
| Return on assets (ROA) | 1.1528% | 2,374 |
| Pretax return on assets | 1.1528% | 3,087 |
| Return on Equity (ROE) | 9.6632% | 2,657 |
| Retained earnings to average equity (ytd only) | 4.0217% | 3,354 |
| Net charge-offs to loans | -0.9055% | 5,358 |
| Credit loss provision to net charge-offs | -7.9576% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8491% | 2,064 |
| Assets per employee ($millions) | 4.6831% | 2,902 |
| Cash dividends to net income (ytd only)* | 58.3815% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3374% | 270 |
| Loan loss allowance to noncurrent loans | 515.9794% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,279 |
| Noncurrent loans to loans | 0.4530% | 2,912 |
| Net loans and leases to total assets | 68.6991% | 2,778 |
| Net loans and leases to deposits | 83.8947% | 2,521 |
| Net loans and leases to core deposits | 84.4128% | 3,043 |
| Total domestic deposits to total assets | 81.8873% | 3,673 |
| Equity capital to assets | 12.0089% | 1,887 |
| Core capital (leverage) ratio | 12.0829% | 1,679 |
| Tier 1 risk-based capital ratio | 16.5570% | 2,224 |
| Total risk-based capital ratio | 17.8180% | 2,165 |
| Memoranda: | ||
| Average total assets | $60,028,800 | 4,762 |
| Average earning assets | $56,327,000 | 4,741 |
| Average equity | $7,161,200 | 4,722 |
| Average total loans | $41,636,200 | 4,504 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 891 |
| Cost of funding earning assets | 0.4420% | 3,585 |
| Net interest margin | 4.5843% | 618 |
| Noninterest income to average assets | 0.1181% | 5,140 |
| Noninterest expense to average assets | 3.0783% | 1,818 |
| Loan and lease loss provision to assets | 0.0669% | 2,644 |
| Net operating income to assets | 1.2728% | 1,958 |
| Return on assets (ROA) | 1.2304% | 2,122 |
| Pretax return on assets | 1.2304% | 2,881 |
| Return on Equity (ROE) | 10.3314% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.0293% | 1,639 |
| Net charge-offs to loans | -1.1289% | 5,433 |
| Credit loss provision to net charge-offs | -8.5714% | 4,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6771% | 2,244 |
| Assets per employee ($millions) | 4.6118% | 2,965 |
| Cash dividends to net income (ytd only)* | 22.2832% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2219% | 348 |
| Loan loss allowance to noncurrent loans | 356.7766% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 2,868 |
| Noncurrent loans to loans | 0.6228% | 2,533 |
| Net loans and leases to total assets | 71.4927% | 2,410 |
| Net loans and leases to deposits | 94.0534% | 1,374 |
| Net loans and leases to core deposits | 94.6871% | 2,234 |
| Total domestic deposits to total assets | 76.0129% | 4,789 |
| Equity capital to assets | 12.1562% | 1,798 |
| Core capital (leverage) ratio | 12.3299% | 1,590 |
| Tier 1 risk-based capital ratio | 16.7503% | 2,182 |
| Total risk-based capital ratio | 18.0106% | 2,130 |
| Memoranda: | ||
| Average total assets | $59,816,000 | 4,821 |
| Average earning assets | $56,102,750 | 4,801 |
| Average equity | $7,123,750 | 4,776 |
| Average total loans | $41,339,000 | 4,558 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 873 |
| Cost of funding earning assets | 0.3916% | 3,792 |
| Net interest margin | 4.5781% | 583 |
| Noninterest income to average assets | 0.1104% | 5,232 |
| Noninterest expense to average assets | 3.2424% | 1,447 |
| Loan and lease loss provision to assets | 0.1004% | 1,940 |
| Net operating income to assets | 1.0708% | 2,709 |
| Return on assets (ROA) | 1.0607% | 2,752 |
| Pretax return on assets | 1.0607% | 3,472 |
| Return on Equity (ROE) | 8.9687% | 3,034 |
| Retained earnings to average equity (ytd only) | 2.4897% | 4,265 |
| Net charge-offs to loans | -1.7824% | 5,499 |
| Credit loss provision to net charge-offs | -8.3102% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4647% | 1,788 |
| Assets per employee ($millions) | 4.2523% | 3,491 |
| Cash dividends to net income (ytd only)* | 72.2397% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3011% | 315 |
| Loan loss allowance to noncurrent loans | 462.4413% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 3,314 |
| Noncurrent loans to loans | 0.4976% | 2,935 |
| Net loans and leases to total assets | 70.2496% | 2,542 |
| Net loans and leases to deposits | 87.2853% | 2,185 |
| Net loans and leases to core deposits | 87.8426% | 2,733 |
| Total domestic deposits to total assets | 80.4828% | 4,143 |
| Equity capital to assets | 11.9482% | 1,885 |
| Core capital (leverage) ratio | 12.1162% | 1,640 |
| Tier 1 risk-based capital ratio | 16.4001% | 2,293 |
| Total risk-based capital ratio | 17.6610% | 2,232 |
| Memoranda: | ||
| Average total assets | $59,770,330 | 4,878 |
| Average earning assets | $56,180,000 | 4,854 |
| Average equity | $7,069,000 | 4,834 |
| Average total loans | $40,506,670 | 4,623 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 1,151 |
| Cost of funding earning assets | 0.3353% | 4,098 |
| Net interest margin | 4.4303% | 718 |
| Noninterest income to average assets | 0.1269% | 5,228 |
| Noninterest expense to average assets | 3.3061% | 1,334 |
| Loan and lease loss provision to assets | 0.1002% | 1,853 |
| Net operating income to assets | 0.8683% | 3,423 |
| Return on assets (ROA) | 0.8683% | 3,438 |
| Pretax return on assets | 0.8683% | 3,953 |
| Return on Equity (ROE) | 7.3790% | 3,641 |
| Retained earnings to average equity (ytd only) | -4.4274% | 5,173 |
| Net charge-offs to loans | -0.1321% | 5,293 |
| Credit loss provision to net charge-offs | -115.3846% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3438% | 1,417 |
| Assets per employee ($millions) | 4.2072% | 3,638 |
| Cash dividends to net income (ytd only)* | 160.0000% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,209 |
| Loan loss allowance to noncurrent loans | 181.1047% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 2,576 |
| Noncurrent loans to loans | 0.8721% | 2,076 |
| Net loans and leases to total assets | 65.9123% | 3,045 |
| Net loans and leases to deposits | 80.4889% | 2,755 |
| Net loans and leases to core deposits | 84.9036% | 2,904 |
| Total domestic deposits to total assets | 81.8900% | 4,000 |
| Equity capital to assets | 11.7944% | 1,919 |
| Core capital (leverage) ratio | 11.7224% | 1,832 |
| Tier 1 risk-based capital ratio | 16.6554% | 2,225 |
| Total risk-based capital ratio | 17.9077% | 2,172 |
| Memoranda: | ||
| Average total assets | $59,889,500 | 4,929 |
| Average earning assets | $56,068,000 | 4,910 |
| Average equity | $7,047,000 | 4,890 |
| Average total loans | $39,357,000 | 4,707 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 1,090 |
| Cost of funding earning assets | 0.2771% | 4,348 |
| Net interest margin | 4.4671% | 672 |
| Noninterest income to average assets | 0.1294% | 5,298 |
| Noninterest expense to average assets | 3.0796% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2473% | 1,369 |
| Return on assets (ROA) | 1.2111% | 1,512 |
| Pretax return on assets | 1.2128% | 2,719 |
| Return on Equity (ROE) | 9.7908% | 1,985 |
| Retained earnings to average equity (ytd only) | 1.9805% | 4,134 |
| Net charge-offs to loans | 0.8981% | 216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.0627% | 3,804 |
| Efficiency ratio | 71.1439% | 2,370 |
| Assets per employee ($millions) | 4.6829% | 2,890 |
| Cash dividends to net income (ytd only)* | 79.7721% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,366 |
| Loan loss allowance to noncurrent loans | 165.0000% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 2,582 |
| Noncurrent loans to loans | 0.9168% | 1,947 |
| Net loans and leases to total assets | 63.5271% | 3,417 |
| Net loans and leases to deposits | 76.5852% | 3,273 |
| Net loans and leases to core deposits | 77.0460% | 3,663 |
| Total domestic deposits to total assets | 82.9495% | 3,578 |
| Equity capital to assets | 11.7399% | 2,007 |
| Core capital (leverage) ratio | 12.1545% | 1,530 |
| Tier 1 risk-based capital ratio | 16.3631% | 2,313 |
| Total risk-based capital ratio | 17.6139% | 2,249 |
| Memoranda: | ||
| Average total assets | $57,963,000 | 5,005 |
| Average earning assets | $54,487,000 | 4,985 |
| Average equity | $7,170,000 | 4,914 |
| Average total loans | $39,081,400 | 4,752 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 888 |
| Cost of funding earning assets | 0.2788% | 4,328 |
| Net interest margin | 4.5423% | 544 |
| Noninterest income to average assets | 0.1538% | 5,249 |
| Noninterest expense to average assets | 3.0377% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4024% | 1,078 |
| Return on assets (ROA) | 1.4024% | 1,104 |
| Pretax return on assets | 1.4047% | 2,103 |
| Return on Equity (ROE) | 11.1856% | 1,614 |
| Retained earnings to average equity (ytd only) | 4.3850% | 3,289 |
| Net charge-offs to loans | -0.3894% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3797% | 2,806 |
| Assets per employee ($millions) | 3.9778% | 4,021 |
| Cash dividends to net income (ytd only)* | 60.7974% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9141% | 172 |
| Loan loss allowance to noncurrent loans | 241.7808% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 2,169 |
| Noncurrent loans to loans | 1.2053% | 1,579 |
| Net loans and leases to total assets | 63.3536% | 3,509 |
| Net loans and leases to deposits | 76.3476% | 3,341 |
| Net loans and leases to core deposits | 76.8482% | 3,738 |
| Total domestic deposits to total assets | 82.9805% | 3,456 |
| Equity capital to assets | 13.2881% | 1,256 |
| Core capital (leverage) ratio | 12.4565% | 1,434 |
| Tier 1 risk-based capital ratio | 18.0728% | 1,837 |
| Total risk-based capital ratio | 19.3398% | 1,788 |
| Memoranda: | ||
| Average total assets | $57,234,250 | 5,073 |
| Average earning assets | $54,039,000 | 5,046 |
| Average equity | $7,175,750 | 4,966 |
| Average total loans | $39,034,750 | 4,807 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 849 |
| Cost of funding earning assets | 0.2863% | 4,224 |
| Net interest margin | 4.5214% | 541 |
| Noninterest income to average assets | 0.1351% | 5,377 |
| Noninterest expense to average assets | 2.9680% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4338% | 993 |
| Return on assets (ROA) | 1.4338% | 1,022 |
| Pretax return on assets | 1.4338% | 1,882 |
| Return on Equity (ROE) | 11.6603% | 1,399 |
| Retained earnings to average equity (ytd only) | 1.3519% | 4,712 |
| Net charge-offs to loans | -0.5710% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4272% | 3,110 |
| Assets per employee ($millions) | 4.0869% | 3,810 |
| Cash dividends to net income (ytd only)* | 88.4058% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7360% | 214 |
| Loan loss allowance to noncurrent loans | 236.3839% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 2,252 |
| Noncurrent loans to loans | 1.1574% | 1,691 |
| Net loans and leases to total assets | 65.7969% | 3,137 |
| Net loans and leases to deposits | 78.5229% | 3,064 |
| Net loans and leases to core deposits | 79.4391% | 3,465 |
| Total domestic deposits to total assets | 83.7933% | 3,285 |
| Equity capital to assets | 12.6466% | 1,546 |
| Core capital (leverage) ratio | 12.0352% | 1,617 |
| Tier 1 risk-based capital ratio | 16.7114% | 2,234 |
| Total risk-based capital ratio | 17.9768% | 2,188 |
| Memoranda: | ||
| Average total assets | $57,749,330 | 5,105 |
| Average earning assets | $54,496,670 | 5,076 |
| Average equity | $7,101,000 | 5,004 |
| Average total loans | $39,933,000 | 4,811 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 471 |
| Cost of funding earning assets | 0.3284% | 3,764 |
| Net interest margin | 4.7369% | 355 |
| Noninterest income to average assets | 0.1310% | 5,461 |
| Noninterest expense to average assets | 2.7234% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8823% | 380 |
| Return on assets (ROA) | 1.8823% | 395 |
| Pretax return on assets | 1.8823% | 669 |
| Return on Equity (ROE) | 15.5257% | 586 |
| Retained earnings to average equity (ytd only) | -5.2890% | 5,402 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1317% | 4,576 |
| Assets per employee ($millions) | 4.1768% | 3,703 |
| Cash dividends to net income (ytd only)* | 134.0659% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5113% | 307 |
| Loan loss allowance to noncurrent loans | 229.9270% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 2,532 |
| Noncurrent loans to loans | 1.0922% | 1,874 |
| Net loans and leases to total assets | 62.7362% | 3,437 |
| Net loans and leases to deposits | 74.4163% | 3,363 |
| Net loans and leases to core deposits | 75.2019% | 3,721 |
| Total domestic deposits to total assets | 84.3044% | 3,359 |
| Equity capital to assets | 11.9880% | 1,857 |
| Core capital (leverage) ratio | 11.4121% | 2,013 |
| Tier 1 risk-based capital ratio | 17.0738% | 2,165 |
| Total risk-based capital ratio | 18.3376% | 2,108 |
| Memoranda: | ||
| Average total assets | $58,015,500 | 5,153 |
| Average earning assets | $54,803,500 | 5,128 |
| Average equity | $7,033,500 | 5,056 |
| Average total loans | $40,546,500 | 4,830 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9456% | 132 |
| Cost of funding earning assets | 0.3440% | 3,593 |
| Net interest margin | 5.6016% | 95 |
| Noninterest income to average assets | 0.1396% | 5,489 |
| Noninterest expense to average assets | 3.5935% | 1,024 |
| Loan and lease loss provision to assets | 0.5585% | 238 |
| Net operating income to assets | 1.2723% | 1,294 |
| Return on assets (ROA) | 1.2723% | 1,366 |
| Pretax return on assets | 1.2740% | 2,382 |
| Return on Equity (ROE) | 10.6976% | 1,692 |
| Retained earnings to average equity (ytd only) | 9.4503% | 506 |
| Net charge-offs to loans | 0.8182% | 248 |
| Credit loss provision to net charge-offs | 83.9895% | 2,911 |
| Earnings coverage of net charge-offs (x) | 2.7559% | 3,777 |
| Efficiency ratio | 66.2271% | 3,563 |
| Assets per employee ($millions) | 4.1111% | 3,765 |
| Cash dividends to net income (ytd only)* | 11.6598% | 3,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 73.8724% | 1,868 |
| Net loans and leases to deposits | 89.8084% | 1,711 |
| Net loans and leases to core deposits | 90.3658% | 2,471 |
| Total domestic deposits to total assets | 82.2555% | 4,006 |
| Equity capital to assets | 12.2611% | 1,653 |
| Core capital (leverage) ratio | 11.8603% | 1,688 |
| Tier 1 risk-based capital ratio | 15.7277% | 2,662 |
| Total risk-based capital ratio | 16.9880% | 2,580 |
| Memoranda: | ||
| Average total assets | $57,297,800 | 5,206 |
| Average earning assets | $54,073,400 | 5,170 |
| Average equity | $6,814,600 | 5,132 |
| Average total loans | $46,565,600 | 4,678 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1651% | 103 |
| Cost of funding earning assets | 0.3459% | 3,579 |
| Net interest margin | 5.8192% | 76 |
| Noninterest income to average assets | 0.1514% | 5,514 |
| Noninterest expense to average assets | 3.8042% | 741 |
| Loan and lease loss provision to assets | 0.6756% | 167 |
| Net operating income to assets | 1.1555% | 1,784 |
| Return on assets (ROA) | 1.1555% | 1,883 |
| Pretax return on assets | 1.1578% | 3,011 |
| Return on Equity (ROE) | 9.7915% | 2,147 |
| Retained earnings to average equity (ytd only) | 8.1136% | 1,130 |
| Net charge-offs to loans | -0.3323% | 5,847 |
| Credit loss provision to net charge-offs | -245.7627% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4793% | 3,320 |
| Assets per employee ($millions) | 3.9622% | 4,031 |
| Cash dividends to net income (ytd only)* | 17.1369% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1352% | 161 |
| Loan loss allowance to noncurrent loans | 499.6466% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 3,411 |
| Noncurrent loans to loans | 0.6275% | 3,129 |
| Net loans and leases to total assets | 78.7565% | 1,072 |
| Net loans and leases to deposits | 96.4606% | 1,004 |
| Net loans and leases to core deposits | 97.0844% | 1,898 |
| Total domestic deposits to total assets | 81.6463% | 4,058 |
| Equity capital to assets | 12.5651% | 1,738 |
| Core capital (leverage) ratio | 11.5287% | 2,001 |
| Tier 1 risk-based capital ratio | 15.4614% | 2,847 |
| Total risk-based capital ratio | 16.7352% | 2,772 |
| Memoranda: | ||
| Average total assets | $57,233,250 | 5,249 |
| Average earning assets | $53,958,250 | 5,217 |
| Average equity | $6,754,000 | 5,190 |
| Average total loans | $47,341,250 | 4,691 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5260% | 244 |
| Cost of funding earning assets | 0.3490% | 3,583 |
| Net interest margin | 5.1769% | 176 |
| Noninterest income to average assets | 0.1695% | 5,472 |
| Noninterest expense to average assets | 3.8325% | 737 |
| Loan and lease loss provision to assets | 0.2075% | 1,032 |
| Net operating income to assets | 1.0031% | 2,384 |
| Return on assets (ROA) | 1.0031% | 2,516 |
| Pretax return on assets | 1.0031% | 3,571 |
| Return on Equity (ROE) | 8.6800% | 2,645 |
| Retained earnings to average equity (ytd only) | 6.1359% | 2,048 |
| Net charge-offs to loans | -0.0499% | 5,367 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9945% | 2,077 |
| Assets per employee ($millions) | 3.8094% | 4,249 |
| Cash dividends to net income (ytd only)* | 29.3103% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3389% | 438 |
| Loan loss allowance to noncurrent loans | 266.8317% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 2,861 |
| Noncurrent loans to loans | 0.8765% | 2,546 |
| Net loans and leases to total assets | 78.7736% | 1,104 |
| Net loans and leases to deposits | 97.4497% | 935 |
| Net loans and leases to core deposits | 98.0675% | 1,801 |
| Total domestic deposits to total assets | 80.8351% | 4,321 |
| Equity capital to assets | 11.8671% | 2,219 |
| Core capital (leverage) ratio | 11.1382% | 2,291 |
| Tier 1 risk-based capital ratio | 14.1012% | 3,548 |
| Total risk-based capital ratio | 15.3636% | 3,451 |
| Memoranda: | ||
| Average total assets | $57,820,670 | 5,294 |
| Average earning assets | $54,433,670 | 5,262 |
| Average equity | $6,682,000 | 5,251 |
| Average total loans | $48,088,000 | 4,712 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7455% | 175 |
| Cost of funding earning assets | 0.3306% | 3,837 |
| Net interest margin | 5.4148% | 131 |
| Noninterest income to average assets | 0.1926% | 5,352 |
| Noninterest expense to average assets | 3.5557% | 1,092 |
| Loan and lease loss provision to assets | 0.2063% | 946 |
| Net operating income to assets | 1.4924% | 873 |
| Return on assets (ROA) | 1.4924% | 914 |
| Pretax return on assets | 1.4993% | 1,588 |
| Return on Equity (ROE) | 13.0871% | 1,021 |
| Retained earnings to average equity (ytd only) | 13.0871% | 384 |
| Net charge-offs to loans | -0.0570% | 5,390 |
| Credit loss provision to net charge-offs | -428.5714% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5817% | 3,532 |
| Assets per employee ($millions) | 3.6346% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1460% | 631 |
| Loan loss allowance to noncurrent loans | 204.5098% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 2,495 |
| Noncurrent loans to loans | 1.0493% | 2,295 |
| Net loans and leases to total assets | 81.7843% | 588 |
| Net loans and leases to deposits | 100.6369% | 587 |
| Net loans and leases to core deposits | 101.2432% | 1,392 |
| Total domestic deposits to total assets | 81.2667% | 4,414 |
| Equity capital to assets | 11.6348% | 2,304 |
| Core capital (leverage) ratio | 10.9576% | 2,443 |
| Tier 1 risk-based capital ratio | 13.6235% | 3,915 |
| Total risk-based capital ratio | 14.8838% | 3,838 |
| Memoranda: | ||
| Average total assets | $58,160,500 | 5,335 |
| Average earning assets | $54,443,000 | 5,307 |
| Average equity | $6,632,500 | 5,295 |
| Average total loans | $49,087,000 | 4,704 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6182% | 227 |
| Cost of funding earning assets | 0.3293% | 3,919 |
| Net interest margin | 5.2888% | 168 |
| Noninterest income to average assets | 0.1636% | 5,603 |
| Noninterest expense to average assets | 3.4240% | 1,442 |
| Loan and lease loss provision to assets | 0.0992% | 2,327 |
| Net operating income to assets | 1.6013% | 703 |
| Return on assets (ROA) | 1.6013% | 723 |
| Pretax return on assets | 1.6029% | 1,238 |
| Return on Equity (ROE) | 15.1548% | 663 |
| Retained earnings to average equity (ytd only) | 0.9227% | 5,151 |
| Net charge-offs to loans | 0.0820% | 2,660 |
| Credit loss provision to net charge-offs | 142.8571% | 1,838 |
| Earnings coverage of net charge-offs (x) | 24.5238% | 1,671 |
| Efficiency ratio | 66.7956% | 3,778 |
| Assets per employee ($millions) | 3.6355% | 4,585 |
| Cash dividends to net income (ytd only)* | 93.9112% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 766 |
| Loan loss allowance to noncurrent loans | 145.5861% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1879% | 1,830 |
| Noncurrent loans to loans | 1.3940% | 1,678 |
| Net loans and leases to total assets | 83.4909% | 437 |
| Net loans and leases to deposits | 101.0024% | 608 |
| Net loans and leases to core deposits | 101.6004% | 1,393 |
| Total domestic deposits to total assets | 82.6623% | 3,955 |
| Equity capital to assets | 11.1728% | 2,655 |
| Core capital (leverage) ratio | 10.3121% | 3,147 |
| Tier 1 risk-based capital ratio | 13.0320% | 4,284 |
| Total risk-based capital ratio | 14.2912% | 4,193 |
| Memoranda: | ||
| Average total assets | $60,513,600 | 5,308 |
| Average earning assets | $56,780,000 | 5,272 |
| Average equity | $6,394,000 | 5,360 |
| Average total loans | $51,222,000 | 4,630 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6417% | 214 |
| Cost of funding earning assets | 0.3481% | 3,775 |
| Net interest margin | 5.2936% | 167 |
| Noninterest income to average assets | 0.1593% | 5,692 |
| Noninterest expense to average assets | 3.3409% | 1,594 |
| Loan and lease loss provision to assets | 0.0655% | 2,874 |
| Net operating income to assets | 1.7283% | 589 |
| Return on assets (ROA) | 1.7283% | 614 |
| Pretax return on assets | 1.7304% | 1,032 |
| Return on Equity (ROE) | 16.5831% | 524 |
| Retained earnings to average equity (ytd only) | 0.6701% | 5,421 |
| Net charge-offs to loans | -0.0826% | 5,722 |
| Credit loss provision to net charge-offs | -93.7500% | 5,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0382% | 4,057 |
| Assets per employee ($millions) | 3.9235% | 4,030 |
| Cash dividends to net income (ytd only)* | 95.9601% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 779 |
| Loan loss allowance to noncurrent loans | 386.0294% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 3,947 |
| Noncurrent loans to loans | 0.5435% | 3,716 |
| Net loans and leases to total assets | 83.2515% | 449 |
| Net loans and leases to deposits | 101.7929% | 558 |
| Net loans and leases to core deposits | 102.3928% | 1,354 |
| Total domestic deposits to total assets | 81.7851% | 4,230 |
| Equity capital to assets | 11.0173% | 3,009 |
| Core capital (leverage) ratio | 10.4302% | 3,130 |
| Tier 1 risk-based capital ratio | 12.5522% | 4,720 |
| Total risk-based capital ratio | 13.8120% | 4,612 |
| Memoranda: | ||
| Average total assets | $61,100,000 | 5,362 |
| Average earning assets | $57,451,750 | 5,326 |
| Average equity | $6,367,750 | 5,427 |
| Average total loans | $51,634,750 | 4,670 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 434 |
| Cost of funding earning assets | 0.3482% | 3,827 |
| Net interest margin | 4.8397% | 336 |
| Noninterest income to average assets | 0.1585% | 5,759 |
| Noninterest expense to average assets | 3.1658% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5295% | 856 |
| Return on assets (ROA) | 1.5295% | 897 |
| Pretax return on assets | 1.5328% | 1,548 |
| Return on Equity (ROE) | 14.9471% | 741 |
| Retained earnings to average equity (ytd only) | -3.8869% | 5,970 |
| Net charge-offs to loans | -0.0613% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3778% | 3,773 |
| Assets per employee ($millions) | 3.6973% | 4,432 |
| Cash dividends to net income (ytd only)* | 126.0042% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 1,045 |
| Loan loss allowance to noncurrent loans | 30.9399% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 5.4855% | 183 |
| Noncurrent loans to loans | 6.3414% | 144 |
| Net loans and leases to total assets | 84.8063% | 312 |
| Net loans and leases to deposits | 104.0571% | 448 |
| Net loans and leases to core deposits | 104.6671% | 1,152 |
| Total domestic deposits to total assets | 81.4998% | 4,446 |
| Equity capital to assets | 10.6160% | 3,306 |
| Core capital (leverage) ratio | 9.6592% | 4,060 |
| Tier 1 risk-based capital ratio | 11.9856% | 5,164 |
| Total risk-based capital ratio | 13.2444% | 5,052 |
| Memoranda: | ||
| Average total assets | $61,849,000 | 5,400 |
| Average earning assets | $58,020,670 | 5,367 |
| Average equity | $6,329,000 | 5,483 |
| Average total loans | $52,164,330 | 4,700 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3432% | 326 |
| Cost of funding earning assets | 0.3526% | 3,830 |
| Net interest margin | 4.9906% | 255 |
| Noninterest income to average assets | 0.1772% | 5,654 |
| Noninterest expense to average assets | 3.0255% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8039% | 481 |
| Return on assets (ROA) | 1.8039% | 505 |
| Pretax return on assets | 1.8103% | 850 |
| Return on Equity (ROE) | 17.9429% | 388 |
| Retained earnings to average equity (ytd only) | -9.2547% | 6,116 |
| Net charge-offs to loans | -0.0684% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5654% | 4,694 |
| Assets per employee ($millions) | 4.0291% | 3,901 |
| Cash dividends to net income (ytd only)* | 151.5789% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 1,238 |
| Loan loss allowance to noncurrent loans | 635.0318% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 4,875 |
| Noncurrent loans to loans | 0.3028% | 4,705 |
| Net loans and leases to total assets | 78.8800% | 814 |
| Net loans and leases to deposits | 94.1196% | 966 |
| Net loans and leases to core deposits | 94.5994% | 1,721 |
| Total domestic deposits to total assets | 83.8083% | 3,886 |
| Equity capital to assets | 9.7991% | 4,389 |
| Core capital (leverage) ratio | 9.4969% | 4,280 |
| Tier 1 risk-based capital ratio | 11.5474% | 5,527 |
| Total risk-based capital ratio | 12.8061% | 5,439 |
| Memoranda: | ||
| Average total assets | $63,195,500 | 5,420 |
| Average earning assets | $58,990,500 | 5,388 |
| Average equity | $6,353,500 | 5,522 |
| Average total loans | $52,660,500 | 4,711 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5163% | 307 |
| Cost of funding earning assets | 0.3925% | 3,762 |
| Net interest margin | 5.1237% | 241 |
| Noninterest income to average assets | 0.2708% | 5,187 |
| Noninterest expense to average assets | 3.2184% | 2,167 |
| Loan and lease loss provision to assets | 0.2432% | 956 |
| Net operating income to assets | 1.6132% | 692 |
| Return on assets (ROA) | 1.6651% | 646 |
| Pretax return on assets | 1.6651% | 1,058 |
| Return on Equity (ROE) | 17.0485% | 486 |
| Retained earnings to average equity (ytd only) | 10.1096% | 501 |
| Net charge-offs to loans | -0.4309% | 6,376 |
| Credit loss provision to net charge-offs | -67.8733% | 5,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4185% | 4,682 |
| Assets per employee ($millions) | 3.8704% | 4,225 |
| Cash dividends to net income (ytd only)* | 40.7011% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 1,429 |
| Loan loss allowance to noncurrent loans | 4,704.7619% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 5,784 |
| Noncurrent loans to loans | 0.0393% | 5,718 |
| Net loans and leases to total assets | 84.7560% | 296 |
| Net loans and leases to deposits | 105.0119% | 399 |
| Net loans and leases to core deposits | 105.5886% | 1,042 |
| Total domestic deposits to total assets | 80.7108% | 4,822 |
| Equity capital to assets | 10.3188% | 3,700 |
| Core capital (leverage) ratio | 9.7905% | 3,842 |
| Tier 1 risk-based capital ratio | 11.5351% | 5,640 |
| Total risk-based capital ratio | 12.7923% | 5,548 |
| Memoranda: | ||
| Average total assets | $61,677,000 | 5,507 |
| Average earning assets | $57,829,000 | 5,461 |
| Average equity | $6,024,000 | 5,613 |
| Average total loans | $51,284,800 | 4,774 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 549 |
| Cost of funding earning assets | 0.3986% | 3,803 |
| Net interest margin | 4.7758% | 450 |
| Noninterest income to average assets | 0.3094% | 4,965 |
| Noninterest expense to average assets | 3.0814% | 2,521 |
| Loan and lease loss provision to assets | 0.1082% | 2,230 |
| Net operating income to assets | 1.6056% | 742 |
| Return on assets (ROA) | 1.6749% | 671 |
| Pretax return on assets | 1.6749% | 1,126 |
| Return on Equity (ROE) | 17.3952% | 508 |
| Retained earnings to average equity (ytd only) | 9.1921% | 929 |
| Net charge-offs to loans | -0.5256% | 6,468 |
| Credit loss provision to net charge-offs | -25.0000% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2599% | 4,497 |
| Assets per employee ($millions) | 3.8953% | 4,100 |
| Cash dividends to net income (ytd only)* | 47.1574% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 2,281 |
| Loan loss allowance to noncurrent loans | 32.5573% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 4.3049% | 438 |
| Noncurrent loans to loans | 4.9365% | 379 |
| Net loans and leases to total assets | 85.1646% | 251 |
| Net loans and leases to deposits | 107.2110% | 285 |
| Net loans and leases to core deposits | 108.0226% | 850 |
| Total domestic deposits to total assets | 79.4365% | 5,234 |
| Equity capital to assets | 9.9063% | 4,293 |
| Core capital (leverage) ratio | 9.4075% | 4,503 |
| Tier 1 risk-based capital ratio | 11.2336% | 5,901 |
| Total risk-based capital ratio | 12.4846% | 5,844 |
| Memoranda: | ||
| Average total assets | $61,614,750 | 5,573 |
| Average earning assets | $57,873,500 | 5,515 |
| Average equity | $5,932,500 | 5,693 |
| Average total loans | $50,737,500 | 4,840 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 448 |
| Cost of funding earning assets | 0.3961% | 3,902 |
| Net interest margin | 4.8822% | 353 |
| Noninterest income to average assets | 0.3845% | 4,371 |
| Noninterest expense to average assets | 2.9489% | 3,006 |
| Loan and lease loss provision to assets | 0.1629% | 1,515 |
| Net operating income to assets | 1.8508% | 443 |
| Return on assets (ROA) | 1.9551% | 388 |
| Pretax return on assets | 1.9551% | 616 |
| Return on Equity (ROE) | 20.5058% | 267 |
| Retained earnings to average equity (ytd only) | 12.2010% | 405 |
| Net charge-offs to loans | -0.1047% | 6,162 |
| Credit loss provision to net charge-offs | -192.3077% | 5,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4222% | 5,369 |
| Assets per employee ($millions) | 4.4582% | 2,991 |
| Cash dividends to net income (ytd only)* | 40.5000% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 3,819 |
| Loan loss allowance to noncurrent loans | 6,930.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 6,050 |
| Noncurrent loans to loans | 0.0189% | 6,016 |
| Net loans and leases to total assets | 83.8292% | 311 |
| Net loans and leases to deposits | 102.1435% | 443 |
| Net loans and leases to core deposits | 103.1972% | 1,067 |
| Total domestic deposits to total assets | 82.0700% | 4,619 |
| Equity capital to assets | 9.7781% | 4,392 |
| Core capital (leverage) ratio | 9.4769% | 4,362 |
| Tier 1 risk-based capital ratio | 11.1598% | 5,982 |
| Total risk-based capital ratio | 12.4117% | 5,916 |
| Memoranda: | ||
| Average total assets | $61,378,330 | 5,626 |
| Average earning assets | $57,556,330 | 5,572 |
| Average equity | $5,852,000 | 5,748 |
| Average total loans | $49,668,330 | 4,908 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1523% | 535 |
| Cost of funding earning assets | 0.4077% | 3,871 |
| Net interest margin | 4.7446% | 426 |
| Noninterest income to average assets | 0.6047% | 2,708 |
| Noninterest expense to average assets | 2.9970% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0440% | 310 |
| Return on assets (ROA) | 2.0440% | 324 |
| Pretax return on assets | 2.0440% | 485 |
| Return on Equity (ROE) | 21.7236% | 211 |
| Retained earnings to average equity (ytd only) | 13.2716% | 454 |
| Net charge-offs to loans | -0.0417% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4524% | 5,479 |
| Assets per employee ($millions) | 4.0873% | 3,743 |
| Cash dividends to net income (ytd only)* | 38.9068% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 4,341 |
| Loan loss allowance to noncurrent loans | 75.8537% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.3375% | 2,643 |
| Noncurrent loans to loans | 1.6572% | 2,338 |
| Net loans and leases to total assets | 79.6917% | 589 |
| Net loans and leases to deposits | 94.9585% | 721 |
| Net loans and leases to core deposits | 95.5640% | 1,416 |
| Total domestic deposits to total assets | 83.9227% | 4,298 |
| Equity capital to assets | 9.5955% | 4,359 |
| Core capital (leverage) ratio | 9.1765% | 4,752 |
| Tier 1 risk-based capital ratio | 11.2167% | 6,066 |
| Total risk-based capital ratio | 12.4588% | 6,015 |
| Memoranda: | ||
| Average total assets | $60,860,000 | 5,689 |
| Average earning assets | $56,907,000 | 5,641 |
| Average equity | $5,726,500 | 5,812 |
| Average total loans | $47,995,000 | 5,008 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 738 |
| Cost of funding earning assets | 0.4361% | 4,253 |
| Net interest margin | 4.6902% | 516 |
| Noninterest income to average assets | 0.3529% | 4,787 |
| Noninterest expense to average assets | 3.0489% | 2,902 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7363% | 544 |
| Return on assets (ROA) | 1.6539% | 642 |
| Pretax return on assets | 1.6555% | 1,043 |
| Return on Equity (ROE) | 17.8419% | 423 |
| Retained earnings to average equity (ytd only) | 8.3250% | 948 |
| Net charge-offs to loans | -0.1075% | 6,487 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6927% | 4,961 |
| Assets per employee ($millions) | 4.0273% | 3,812 |
| Cash dividends to net income (ytd only)* | 53.3400% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 4,001 |
| Loan loss allowance to noncurrent loans | 6,170.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 4,940 |
| Noncurrent loans to loans | 0.0215% | 6,203 |
| Net loans and leases to total assets | 75.9676% | 1,080 |
| Net loans and leases to deposits | 91.2003% | 1,140 |
| Net loans and leases to core deposits | 91.6923% | 1,822 |
| Total domestic deposits to total assets | 83.2975% | 4,430 |
| Equity capital to assets | 9.2203% | 4,781 |
| Core capital (leverage) ratio | 9.0360% | 4,943 |
| Tier 1 risk-based capital ratio | 11.4825% | 5,914 |
| Total risk-based capital ratio | 12.7327% | 5,855 |
| Memoranda: | ||
| Average total assets | $60,644,600 | 5,740 |
| Average earning assets | $57,332,600 | 5,673 |
| Average equity | $5,621,600 | 5,900 |
| Average total loans | $45,593,000 | 5,129 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 773 |
| Cost of funding earning assets | 0.4360% | 4,439 |
| Net interest margin | 4.6636% | 547 |
| Noninterest income to average assets | 0.3536% | 4,867 |
| Noninterest expense to average assets | 2.9147% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8538% | 474 |
| Return on assets (ROA) | 1.8560% | 483 |
| Pretax return on assets | 1.8582% | 782 |
| Return on Equity (ROE) | 19.9954% | 297 |
| Retained earnings to average equity (ytd only) | 13.2986% | 308 |
| Net charge-offs to loans | -0.1499% | 6,592 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0958% | 5,268 |
| Assets per employee ($millions) | 4.2989% | 3,228 |
| Cash dividends to net income (ytd only)* | 33.4907% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,331 |
| Loan loss allowance to noncurrent loans | 2,579.1667% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 5,046 |
| Noncurrent loans to loans | 0.0508% | 6,192 |
| Net loans and leases to total assets | 77.4708% | 807 |
| Net loans and leases to deposits | 91.3983% | 1,028 |
| Net loans and leases to core deposits | 93.0936% | 1,659 |
| Total domestic deposits to total assets | 84.7617% | 3,854 |
| Equity capital to assets | 9.4892% | 4,570 |
| Core capital (leverage) ratio | 9.2699% | 4,727 |
| Tier 1 risk-based capital ratio | 11.7887% | 5,911 |
| Total risk-based capital ratio | 13.0395% | 5,861 |
| Memoranda: | ||
| Average total assets | $60,703,250 | 5,801 |
| Average earning assets | $57,493,000 | 5,729 |
| Average equity | $5,634,500 | 5,964 |
| Average total loans | $45,364,000 | 5,191 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 854 |
| Cost of funding earning assets | 0.4365% | 4,589 |
| Net interest margin | 4.6076% | 589 |
| Noninterest income to average assets | 0.3548% | 4,851 |
| Noninterest expense to average assets | 2.8977% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8234% | 490 |
| Return on assets (ROA) | 1.8267% | 520 |
| Pretax return on assets | 1.8299% | 868 |
| Return on Equity (ROE) | 19.8253% | 314 |
| Retained earnings to average equity (ytd only) | 13.1218% | 372 |
| Net charge-offs to loans | -0.9969% | 6,867 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3352% | 5,277 |
| Assets per employee ($millions) | 4.3214% | 3,136 |
| Cash dividends to net income (ytd only)* | 33.8129% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 2,789 |
| Loan loss allowance to noncurrent loans | 3,766.6667% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 5,138 |
| Noncurrent loans to loans | 0.0450% | 6,258 |
| Net loans and leases to total assets | 75.7765% | 1,006 |
| Net loans and leases to deposits | 88.9242% | 1,237 |
| Net loans and leases to core deposits | 90.5543% | 1,857 |
| Total domestic deposits to total assets | 85.2146% | 3,787 |
| Equity capital to assets | 9.1572% | 5,037 |
| Core capital (leverage) ratio | 8.9155% | 5,121 |
| Tier 1 risk-based capital ratio | 11.8405% | 5,888 |
| Total risk-based capital ratio | 13.0961% | 5,838 |
| Memoranda: | ||
| Average total assets | $60,876,330 | 5,837 |
| Average earning assets | $57,730,330 | 5,757 |
| Average equity | $5,609,000 | 6,014 |
| Average total loans | $44,737,330 | 5,235 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 690 |
| Cost of funding earning assets | 0.4421% | 4,683 |
| Net interest margin | 4.6974% | 472 |
| Noninterest income to average assets | 0.3537% | 4,847 |
| Noninterest expense to average assets | 2.8560% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9520% | 374 |
| Return on assets (ROA) | 1.9455% | 409 |
| Pretax return on assets | 1.9455% | 667 |
| Return on Equity (ROE) | 21.0508% | 233 |
| Retained earnings to average equity (ytd only) | 14.3882% | 409 |
| Net charge-offs to loans | -0.0913% | 6,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4005% | 5,668 |
| Assets per employee ($millions) | 4.4331% | 3,090 |
| Cash dividends to net income (ytd only)* | 31.6498% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,413 |
| Loan loss allowance to noncurrent loans | 3,853.3333% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 5,303 |
| Noncurrent loans to loans | 0.0354% | 6,386 |
| Net loans and leases to total assets | 67.3928% | 2,123 |
| Net loans and leases to deposits | 76.8013% | 2,513 |
| Net loans and leases to core deposits | 78.1312% | 3,045 |
| Total domestic deposits to total assets | 87.7495% | 2,488 |
| Equity capital to assets | 9.2519% | 5,194 |
| Core capital (leverage) ratio | 8.3837% | 5,729 |
| Tier 1 risk-based capital ratio | 12.2517% | 5,756 |
| Total risk-based capital ratio | 13.5023% | 5,710 |
| Memoranda: | ||
| Average total assets | $61,065,000 | 5,882 |
| Average earning assets | $57,904,500 | 5,801 |
| Average equity | $5,643,500 | 6,066 |
| Average total loans | $43,788,500 | 5,307 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 591 |
| Cost of funding earning assets | 0.6484% | 3,924 |
| Net interest margin | 4.8787% | 469 |
| Noninterest income to average assets | 0.4531% | 4,230 |
| Noninterest expense to average assets | 3.2888% | 2,373 |
| Loan and lease loss provision to assets | 0.1770% | 3,412 |
| Net operating income to assets | 1.4072% | 1,087 |
| Return on assets (ROA) | 1.4001% | 1,211 |
| Pretax return on assets | 1.4019% | 2,033 |
| Return on Equity (ROE) | 14.7349% | 864 |
| Retained earnings to average equity (ytd only) | 5.3649% | 2,457 |
| Net charge-offs to loans | -0.0640% | 6,746 |
| Credit loss provision to net charge-offs | -370.3704% | 6,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4655% | 4,238 |
| Assets per employee ($millions) | 4.2905% | 3,376 |
| Cash dividends to net income (ytd only)* | 63.5904% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 4,832 |
| Loan loss allowance to noncurrent loans | 93.2677% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 3,236 |
| Noncurrent loans to loans | 1.3482% | 3,583 |
| Net loans and leases to total assets | 74.2587% | 1,160 |
| Net loans and leases to deposits | 84.5961% | 1,684 |
| Net loans and leases to core deposits | 85.0251% | 2,425 |
| Total domestic deposits to total assets | 87.7803% | 2,360 |
| Equity capital to assets | 9.2314% | 5,234 |
| Core capital (leverage) ratio | 8.3007% | 5,885 |
| Tier 1 risk-based capital ratio | 11.2197% | 6,264 |
| Total risk-based capital ratio | 12.4706% | 6,226 |
| Memoranda: | ||
| Average total assets | $56,495,000 | 6,011 |
| Average earning assets | $51,202,000 | 6,001 |
| Average equity | $5,368,200 | 6,187 |
| Average total loans | $42,157,000 | 5,412 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6850% | 472 |
| Cost of funding earning assets | 0.6822% | 3,926 |
| Net interest margin | 5.0028% | 402 |
| Noninterest income to average assets | 0.2878% | 5,480 |
| Noninterest expense to average assets | 3.1677% | 2,664 |
| Loan and lease loss provision to assets | 0.1199% | 4,051 |
| Net operating income to assets | 1.4819% | 1,058 |
| Return on assets (ROA) | 1.4747% | 1,186 |
| Pretax return on assets | 1.4771% | 1,972 |
| Return on Equity (ROE) | 15.4016% | 832 |
| Retained earnings to average equity (ytd only) | 7.0872% | 2,075 |
| Net charge-offs to loans | 0.0870% | 4,518 |
| Credit loss provision to net charge-offs | 185.1852% | 1,496 |
| Earnings coverage of net charge-offs (x) | 24.7772% | 1,266 |
| Efficiency ratio | 66.3819% | 4,376 |
| Assets per employee ($millions) | 3.6941% | 4,553 |
| Cash dividends to net income (ytd only)* | 53.9842% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,936 |
| Loan loss allowance to noncurrent loans | 77.9832% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.4364% | 3,451 |
| Noncurrent loans to loans | 1.3336% | 3,804 |
| Net loans and leases to total assets | 74.7014% | 1,144 |
| Net loans and leases to deposits | 85.4354% | 1,668 |
| Net loans and leases to core deposits | 85.8740% | 2,481 |
| Total domestic deposits to total assets | 87.4361% | 2,390 |
| Equity capital to assets | 9.3848% | 5,358 |
| Core capital (leverage) ratio | 8.6323% | 5,576 |
| Tier 1 risk-based capital ratio | 11.2619% | 6,378 |
| Total risk-based capital ratio | 12.3165% | 6,426 |
| Memoranda: | ||
| Average total assets | $55,602,000 | 6,106 |
| Average earning assets | $49,837,750 | 6,121 |
| Average equity | $5,324,000 | 6,268 |
| Average total loans | $41,403,000 | 5,507 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7810% | 415 |
| Cost of funding earning assets | 0.7026% | 3,996 |
| Net interest margin | 5.0784% | 352 |
| Noninterest income to average assets | 0.2939% | 5,451 |
| Noninterest expense to average assets | 3.1929% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6424% | 771 |
| Return on assets (ROA) | 1.6350% | 864 |
| Pretax return on assets | 1.6350% | 1,435 |
| Return on Equity (ROE) | 16.9534% | 639 |
| Retained earnings to average equity (ytd only) | 5.9813% | 2,725 |
| Net charge-offs to loans | -0.0595% | 6,712 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0334% | 4,529 |
| Assets per employee ($millions) | 3.3776% | 5,257 |
| Cash dividends to net income (ytd only)* | 64.7191% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 6,002 |
| Loan loss allowance to noncurrent loans | 686.3636% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 5,365 |
| Noncurrent loans to loans | 0.1517% | 6,288 |
| Net loans and leases to total assets | 74.9965% | 1,100 |
| Net loans and leases to deposits | 85.8376% | 1,623 |
| Net loans and leases to core deposits | 86.2917% | 2,393 |
| Total domestic deposits to total assets | 87.3703% | 2,554 |
| Equity capital to assets | 9.3922% | 5,201 |
| Core capital (leverage) ratio | 8.7703% | 5,271 |
| Tier 1 risk-based capital ratio | 11.2148% | 6,389 |
| Total risk-based capital ratio | 12.2669% | 6,464 |
| Memoranda: | ||
| Average total assets | $54,434,000 | 6,177 |
| Average earning assets | $48,676,330 | 6,209 |
| Average equity | $5,249,670 | 6,318 |
| Average total loans | $40,331,670 | 5,586 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8608% | 381 |
| Cost of funding earning assets | 0.7220% | 4,094 |
| Net interest margin | 5.1388% | 322 |
| Noninterest income to average assets | 0.2947% | 5,512 |
| Noninterest expense to average assets | 3.2338% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6320% | 818 |
| Return on assets (ROA) | 1.6320% | 913 |
| Pretax return on assets | 1.6320% | 1,478 |
| Return on Equity (ROE) | 16.6860% | 716 |
| Retained earnings to average equity (ytd only) | -2.1630% | 6,300 |
| Net charge-offs to loans | -0.0310% | 6,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4596% | 4,471 |
| Assets per employee ($millions) | 3.1269% | 5,905 |
| Cash dividends to net income (ytd only)* | 112.9630% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 5,900 |
| Loan loss allowance to noncurrent loans | 215.5340% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 4,790 |
| Noncurrent loans to loans | 0.5114% | 5,644 |
| Net loans and leases to total assets | 74.9497% | 928 |
| Net loans and leases to deposits | 86.2845% | 1,385 |
| Net loans and leases to core deposits | 87.2520% | 2,140 |
| Total domestic deposits to total assets | 86.8634% | 3,036 |
| Equity capital to assets | 9.6939% | 4,530 |
| Core capital (leverage) ratio | 8.7898% | 5,142 |
| Tier 1 risk-based capital ratio | 11.8693% | 6,043 |
| Total risk-based capital ratio | 13.0041% | 6,104 |
| Memoranda: | ||
| Average total assets | $52,941,000 | 6,268 |
| Average earning assets | $47,092,500 | 6,296 |
| Average equity | $5,178,000 | 6,376 |
| Average total loans | $38,739,500 | 5,696 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9886% | 438 |
| Cost of funding earning assets | 0.8828% | 4,234 |
| Net interest margin | 5.1058% | 337 |
| Noninterest income to average assets | 0.3564% | 4,959 |
| Noninterest expense to average assets | 3.8468% | 1,265 |
| Loan and lease loss provision to assets | 0.0487% | 5,977 |
| Net operating income to assets | 1.0888% | 1,872 |
| Return on assets (ROA) | 1.1238% | 1,863 |
| Pretax return on assets | 1.1258% | 2,742 |
| Return on Equity (ROE) | 11.5849% | 1,533 |
| Retained earnings to average equity (ytd only) | 7.0473% | 1,485 |
| Net charge-offs to loans | 0.2778% | 4,035 |
| Credit loss provision to net charge-offs | 23.1481% | 5,876 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 2,798 |
| Efficiency ratio | 77.1484% | 2,721 |
| Assets per employee ($millions) | 2.7750% | 6,496 |
| Cash dividends to net income (ytd only)* | 39.1681% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,460 |
| Loan loss allowance to noncurrent loans | 49.4395% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.1735% | 2,766 |
| Noncurrent loans to loans | 2.3982% | 2,728 |
| Net loans and leases to total assets | 69.7070% | 2,089 |
| Net loans and leases to deposits | 80.4082% | 2,444 |
| Net loans and leases to core deposits | 81.3173% | 3,278 |
| Total domestic deposits to total assets | 86.6913% | 2,921 |
| Equity capital to assets | 9.8682% | 4,346 |
| Core capital (leverage) ratio | 8.8903% | 4,963 |
| Tier 1 risk-based capital ratio | 12.6018% | 5,368 |
| Total risk-based capital ratio | 13.7911% | 5,405 |
| Memoranda: | ||
| Average total assets | $51,342,000 | 6,326 |
| Average earning assets | $46,554,800 | 6,309 |
| Average equity | $4,980,600 | 6,451 |
| Average total loans | $38,873,600 | 5,746 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9009% | 561 |
| Cost of funding earning assets | 0.8957% | 4,431 |
| Net interest margin | 5.0052% | 407 |
| Noninterest income to average assets | 0.3713% | 4,898 |
| Noninterest expense to average assets | 3.6760% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2654% | 1,466 |
| Return on assets (ROA) | 1.3177% | 1,417 |
| Pretax return on assets | 1.3203% | 2,216 |
| Return on Equity (ROE) | 13.6443% | 1,126 |
| Retained earnings to average equity (ytd only) | 7.6343% | 1,650 |
| Net charge-offs to loans | 0.1595% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.3183% | 1,940 |
| Efficiency ratio | 74.3522% | 3,113 |
| Assets per employee ($millions) | 2.7686% | 6,543 |
| Cash dividends to net income (ytd only)* | 44.0474% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 5,535 |
| Loan loss allowance to noncurrent loans | 104.1485% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.3535% | 4,114 |
| Noncurrent loans to loans | 1.1358% | 4,647 |
| Net loans and leases to total assets | 75.7471% | 1,015 |
| Net loans and leases to deposits | 87.4679% | 1,498 |
| Net loans and leases to core deposits | 88.4562% | 2,430 |
| Total domestic deposits to total assets | 86.5999% | 2,882 |
| Equity capital to assets | 9.7749% | 4,661 |
| Core capital (leverage) ratio | 8.8727% | 5,154 |
| Tier 1 risk-based capital ratio | 11.5694% | 6,196 |
| Total risk-based capital ratio | 12.7683% | 6,223 |
| Memoranda: | ||
| Average total assets | $50,996,250 | 6,392 |
| Average earning assets | $46,590,750 | 6,364 |
| Average equity | $4,925,000 | 6,519 |
| Average total loans | $39,293,500 | 5,777 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9039% | 576 |
| Cost of funding earning assets | 0.9016% | 4,653 |
| Net interest margin | 5.0023% | 393 |
| Noninterest income to average assets | 0.3924% | 4,742 |
| Noninterest expense to average assets | 3.7653% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1970% | 1,582 |
| Return on assets (ROA) | 1.2802% | 1,436 |
| Pretax return on assets | 1.2842% | 2,186 |
| Return on Equity (ROE) | 13.3123% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.2125% | 1,781 |
| Net charge-offs to loans | -0.0668% | 7,085 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8180% | 3,047 |
| Assets per employee ($millions) | 2.7506% | 6,564 |
| Cash dividends to net income (ytd only)* | 45.8204% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,848 |
| Loan loss allowance to noncurrent loans | 82.2630% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.7374% | 3,598 |
| Noncurrent loans to loans | 1.6371% | 3,953 |
| Net loans and leases to total assets | 75.4100% | 1,171 |
| Net loans and leases to deposits | 90.8818% | 1,172 |
| Net loans and leases to core deposits | 91.9591% | 2,139 |
| Total domestic deposits to total assets | 82.9758% | 4,765 |
| Equity capital to assets | 9.5712% | 4,706 |
| Core capital (leverage) ratio | 8.9150% | 4,855 |
| Tier 1 risk-based capital ratio | 11.3941% | 6,254 |
| Total risk-based capital ratio | 12.6460% | 6,241 |
| Memoranda: | ||
| Average total assets | $50,460,330 | 6,471 |
| Average earning assets | $46,139,000 | 6,435 |
| Average equity | $4,852,670 | 6,578 |
| Average total loans | $38,950,330 | 5,847 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8700% | 642 |
| Cost of funding earning assets | 0.8915% | 4,984 |
| Net interest margin | 4.9785% | 396 |
| Noninterest income to average assets | 0.4116% | 4,610 |
| Noninterest expense to average assets | 3.8015% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1622% | 1,618 |
| Return on assets (ROA) | 1.3317% | 1,249 |
| Pretax return on assets | 1.3317% | 1,936 |
| Return on Equity (ROE) | 13.8133% | 1,027 |
| Retained earnings to average equity (ytd only) | 13.8133% | 494 |
| Net charge-offs to loans | -0.1040% | 7,099 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5854% | 3,056 |
| Assets per employee ($millions) | 2.6047% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 4,748 |
| Loan loss allowance to noncurrent loans | 276.6839% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 5,096 |
| Noncurrent loans to loans | 0.5000% | 6,020 |
| Net loans and leases to total assets | 76.9141% | 883 |
| Net loans and leases to deposits | 91.0971% | 1,105 |
| Net loans and leases to core deposits | 92.2115% | 2,104 |
| Total domestic deposits to total assets | 84.4309% | 4,308 |
| Equity capital to assets | 9.7739% | 4,067 |
| Core capital (leverage) ratio | 9.0502% | 4,528 |
| Tier 1 risk-based capital ratio | 11.7888% | 5,862 |
| Total risk-based capital ratio | 13.0397% | 5,874 |
| Memoranda: | ||
| Average total assets | $49,560,000 | 6,542 |
| Average earning assets | $45,315,000 | 6,512 |
| Average equity | $4,778,000 | 6,625 |
| Average total loans | $38,451,500 | 5,920 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3001% | 466 |
| Cost of funding earning assets | 1.0858% | 5,216 |
| Net interest margin | 5.2143% | 278 |
| Noninterest income to average assets | 0.3732% | 5,109 |
| Noninterest expense to average assets | 3.7419% | 1,604 |
| Loan and lease loss provision to assets | 0.3075% | 4,345 |
| Net operating income to assets | 1.0477% | 1,885 |
| Return on assets (ROA) | 1.0867% | 1,824 |
| Pretax return on assets | 1.0887% | 2,615 |
| Return on Equity (ROE) | 10.9636% | 1,601 |
| Retained earnings to average equity (ytd only) | 2.4203% | 4,177 |
| Net charge-offs to loans | 0.1586% | 5,395 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 11.0333% | 1,642 |
| Efficiency ratio | 73.3816% | 3,511 |
| Assets per employee ($millions) | 2.6122% | 6,837 |
| Cash dividends to net income (ytd only)* | 77.9245% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 4,664 |
| Loan loss allowance to noncurrent loans | 207.9365% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 4,964 |
| Noncurrent loans to loans | 0.6579% | 5,737 |
| Net loans and leases to total assets | 76.1238% | 1,252 |
| Net loans and leases to deposits | 92.6686% | 1,178 |
| Net loans and leases to core deposits | 93.2496% | 2,349 |
| Total domestic deposits to total assets | 82.1462% | 5,141 |
| Equity capital to assets | 9.5082% | 4,395 |
| Core capital (leverage) ratio | 8.7283% | 4,971 |
| Tier 1 risk-based capital ratio | 11.3740% | 6,018 |
| Total risk-based capital ratio | 12.6240% | 6,009 |
| Memoranda: | ||
| Average total assets | $48,772,600 | 6,582 |
| Average earning assets | $44,205,600 | 6,572 |
| Average equity | $4,834,200 | 6,716 |
| Average total loans | $37,820,800 | 6,022 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3890% | 425 |
| Cost of funding earning assets | 1.1276% | 5,267 |
| Net interest margin | 5.2614% | 260 |
| Noninterest income to average assets | 0.3762% | 5,147 |
| Noninterest expense to average assets | 3.6162% | 1,752 |
| Loan and lease loss provision to assets | 0.2746% | 4,392 |
| Net operating income to assets | 1.2356% | 1,498 |
| Return on assets (ROA) | 1.2878% | 1,444 |
| Pretax return on assets | 1.2905% | 2,201 |
| Return on Equity (ROE) | 12.8587% | 1,296 |
| Retained earnings to average equity (ytd only) | 7.3753% | 1,659 |
| Net charge-offs to loans | -0.0283% | 7,399 |
| Credit loss provision to net charge-offs | -1,250.0000% | 7,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5032% | 3,971 |
| Assets per employee ($millions) | 2.5544% | 7,009 |
| Cash dividends to net income (ytd only)* | 42.6438% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,322 |
| Loan loss allowance to noncurrent loans | 164.7416% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 4,741 |
| Noncurrent loans to loans | 0.8663% | 5,491 |
| Net loans and leases to total assets | 77.1331% | 1,195 |
| Net loans and leases to deposits | 90.7119% | 1,620 |
| Net loans and leases to core deposits | 91.2715% | 2,910 |
| Total domestic deposits to total assets | 85.0308% | 3,603 |
| Equity capital to assets | 10.4259% | 3,606 |
| Core capital (leverage) ratio | 9.0176% | 4,669 |
| Tier 1 risk-based capital ratio | 11.8638% | 5,580 |
| Total risk-based capital ratio | 13.1157% | 5,555 |
| Memoranda: | ||
| Average total assets | $48,558,000 | 6,666 |
| Average earning assets | $43,865,750 | 6,666 |
| Average equity | $4,863,000 | 6,794 |
| Average total loans | $37,699,750 | 6,110 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3669% | 439 |
| Cost of funding earning assets | 1.1526% | 5,389 |
| Net interest margin | 5.2142% | 275 |
| Noninterest income to average assets | 0.3706% | 5,176 |
| Noninterest expense to average assets | 3.5580% | 1,892 |
| Loan and lease loss provision to assets | 0.3089% | 3,913 |
| Net operating income to assets | 1.1984% | 1,565 |
| Return on assets (ROA) | 1.2643% | 1,462 |
| Pretax return on assets | 1.2643% | 2,205 |
| Return on Equity (ROE) | 12.7988% | 1,286 |
| Retained earnings to average equity (ytd only) | 4.4608% | 3,227 |
| Net charge-offs to loans | -0.0425% | 7,421 |
| Credit loss provision to net charge-offs | -937.5000% | 6,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2439% | 4,144 |
| Assets per employee ($millions) | 2.6229% | 6,911 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 4,633 |
| Loan loss allowance to noncurrent loans | 154.3284% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1819% | 4,776 |
| Noncurrent loans to loans | 0.8800% | 5,510 |
| Net loans and leases to total assets | 75.3471% | 1,618 |
| Net loans and leases to deposits | 88.7644% | 2,040 |
| Net loans and leases to core deposits | 88.7644% | 3,445 |
| Total domestic deposits to total assets | 84.8844% | 3,693 |
| Equity capital to assets | 9.7139% | 4,388 |
| Core capital (leverage) ratio | 8.7508% | 5,007 |
| Tier 1 risk-based capital ratio | 11.1930% | 6,044 |
| Total risk-based capital ratio | 12.4445% | 6,029 |
| Memoranda: | ||
| Average total assets | $48,566,330 | 6,713 |
| Average earning assets | $43,726,330 | 6,710 |
| Average equity | $4,797,330 | 6,843 |
| Average total loans | $37,607,330 | 6,153 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3551% | 481 |
| Cost of funding earning assets | 1.1639% | 5,583 |
| Net interest margin | 5.1913% | 295 |
| Noninterest income to average assets | 0.3922% | 4,978 |
| Noninterest expense to average assets | 3.2797% | 2,596 |
| Loan and lease loss provision to assets | 0.4173% | 2,873 |
| Net operating income to assets | 1.3853% | 1,107 |
| Return on assets (ROA) | 1.3853% | 1,183 |
| Pretax return on assets | 1.3853% | 1,818 |
| Return on Equity (ROE) | 13.9043% | 1,069 |
| Retained earnings to average equity (ytd only) | 13.9043% | 519 |
| Net charge-offs to loans | -0.0535% | 7,363 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5320% | 5,382 |
| Assets per employee ($millions) | 2.5735% | 7,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 4,952 |
| Loan loss allowance to noncurrent loans | 141.3295% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 4,724 |
| Noncurrent loans to loans | 0.9177% | 5,483 |
| Net loans and leases to total assets | 76.1069% | 1,522 |
| Net loans and leases to deposits | 89.9280% | 1,915 |
| Net loans and leases to core deposits | 89.9280% | 3,370 |
| Total domestic deposits to total assets | 84.6310% | 3,842 |
| Equity capital to assets | 9.9474% | 3,933 |
| Core capital (leverage) ratio | 9.0439% | 4,490 |
| Tier 1 risk-based capital ratio | 11.2885% | 5,867 |
| Total risk-based capital ratio | 12.5517% | 5,821 |
| Memoranda: | ||
| Average total assets | $47,931,500 | 6,809 |
| Average earning assets | $43,303,500 | 6,807 |
| Average equity | $4,775,500 | 6,922 |
| Average total loans | $37,377,500 | 6,241 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4933% | 681 |
| Cost of funding earning assets | 1.3552% | 6,120 |
| Net interest margin | 5.1381% | 337 |
| Noninterest income to average assets | 0.4429% | 4,858 |
| Noninterest expense to average assets | 3.7643% | 1,764 |
| Loan and lease loss provision to assets | 0.3799% | 4,509 |
| Net operating income to assets | 0.9139% | 2,136 |
| Return on assets (ROA) | 1.0854% | 1,599 |
| Pretax return on assets | 1.0876% | 2,286 |
| Return on Equity (ROE) | 10.9736% | 1,431 |
| Retained earnings to average equity (ytd only) | 6.2988% | 1,228 |
| Net charge-offs to loans | 0.4897% | 3,811 |
| Credit loss provision to net charge-offs | 102.3392% | 5,402 |
| Earnings coverage of net charge-offs (x) | 3.4912% | 3,323 |
| Efficiency ratio | 74.3887% | 3,812 |
| Assets per employee ($millions) | 2.4719% | 7,241 |
| Cash dividends to net income (ytd only)* | 42.6000% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,531 |
| Loan loss allowance to noncurrent loans | 91.7548% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.5479% | 4,058 |
| Noncurrent loans to loans | 1.2766% | 4,793 |
| Net loans and leases to total assets | 77.9670% | 1,396 |
| Net loans and leases to deposits | 92.6686% | 1,791 |
| Net loans and leases to core deposits | 99.5650% | 4,046 |
| Total domestic deposits to total assets | 84.1353% | 3,970 |
| Equity capital to assets | 9.9796% | 3,786 |
| Core capital (leverage) ratio | 9.1360% | 4,223 |
| Tier 1 risk-based capital ratio | 10.9465% | 5,966 |
| Total risk-based capital ratio | 12.0766% | 6,056 |
| Memoranda: | ||
| Average total assets | $46,064,400 | 6,870 |
| Average earning assets | $41,396,800 | 6,891 |
| Average equity | $4,556,400 | 7,095 |
| Average total loans | $34,920,000 | 6,359 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4989% | 750 |
| Cost of funding earning assets | 1.4025% | 6,218 |
| Net interest margin | 5.0964% | 369 |
| Noninterest income to average assets | 0.4450% | 4,932 |
| Noninterest expense to average assets | 3.6038% | 2,021 |
| Loan and lease loss provision to assets | 0.3636% | 4,140 |
| Net operating income to assets | 1.0617% | 1,859 |
| Return on assets (ROA) | 1.3118% | 1,268 |
| Pretax return on assets | 1.3147% | 1,921 |
| Return on Equity (ROE) | 13.2925% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.2925% | 238 |
| Net charge-offs to loans | 0.3296% | 3,989 |
| Credit loss provision to net charge-offs | 147.0588% | 3,293 |
| Earnings coverage of net charge-offs (x) | 5.7765% | 2,738 |
| Efficiency ratio | 71.6185% | 4,311 |
| Assets per employee ($millions) | 2.5457% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,285 |
| Loan loss allowance to noncurrent loans | 79.6610% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.7895% | 3,667 |
| Noncurrent loans to loans | 1.6761% | 4,133 |
| Net loans and leases to total assets | 75.7933% | 2,033 |
| Net loans and leases to deposits | 94.3622% | 1,818 |
| Net loans and leases to core deposits | 101.2359% | 4,239 |
| Total domestic deposits to total assets | 80.3217% | 5,320 |
| Equity capital to assets | 10.5735% | 3,433 |
| Core capital (leverage) ratio | 9.6224% | 3,755 |
| Tier 1 risk-based capital ratio | 11.9717% | 5,000 |
| Total risk-based capital ratio | 13.2215% | 4,938 |
| Memoranda: | ||
| Average total assets | $45,839,000 | 6,926 |
| Average earning assets | $41,257,000 | 6,948 |
| Average equity | $4,523,750 | 7,172 |
| Average total loans | $34,387,000 | 6,432 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5072% | 811 |
| Cost of funding earning assets | 1.4692% | 6,260 |
| Net interest margin | 5.0380% | 395 |
| Noninterest income to average assets | 0.4363% | 4,973 |
| Noninterest expense to average assets | 3.5293% | 2,255 |
| Loan and lease loss provision to assets | 0.2181% | 4,858 |
| Net operating income to assets | 1.2172% | 1,433 |
| Return on assets (ROA) | 1.4222% | 1,043 |
| Pretax return on assets | 1.4266% | 1,652 |
| Return on Equity (ROE) | 14.7623% | 870 |
| Retained earnings to average equity (ytd only) | 14.7623% | 216 |
| Net charge-offs to loans | 0.2228% | 4,108 |
| Credit loss provision to net charge-offs | 131.5789% | 3,543 |
| Earnings coverage of net charge-offs (x) | 8.6842% | 2,229 |
| Efficiency ratio | 71.0272% | 4,588 |
| Assets per employee ($millions) | 2.5736% | 7,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 4,487 |
| Loan loss allowance to noncurrent loans | 245.5556% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 5,221 |
| Noncurrent loans to loans | 0.5161% | 6,239 |
| Net loans and leases to total assets | 74.3351% | 2,611 |
| Net loans and leases to deposits | 89.3905% | 2,921 |
| Net loans and leases to core deposits | 96.2113% | 4,879 |
| Total domestic deposits to total assets | 83.1578% | 4,166 |
| Equity capital to assets | 9.9257% | 4,053 |
| Core capital (leverage) ratio | 9.2652% | 4,220 |
| Tier 1 risk-based capital ratio | 11.6733% | 5,223 |
| Total risk-based capital ratio | 12.8893% | 5,185 |
| Memoranda: | ||
| Average total assets | $45,844,670 | 6,987 |
| Average earning assets | $41,246,670 | 7,002 |
| Average equity | $4,416,670 | 7,268 |
| Average total loans | $34,116,000 | 6,496 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4880% | 890 |
| Cost of funding earning assets | 1.5903% | 6,074 |
| Net interest margin | 4.8977% | 504 |
| Noninterest income to average assets | 0.4912% | 4,402 |
| Noninterest expense to average assets | 3.2014% | 2,980 |
| Loan and lease loss provision to assets | 0.2193% | 4,263 |
| Net operating income to assets | 1.4735% | 987 |
| Return on assets (ROA) | 1.8858% | 497 |
| Pretax return on assets | 1.8858% | 828 |
| Return on Equity (ROE) | 19.8798% | 431 |
| Retained earnings to average equity (ytd only) | 19.8798% | 166 |
| Net charge-offs to loans | -0.2253% | 8,028 |
| Credit loss provision to net charge-offs | -131.5789% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4122% | 5,433 |
| Assets per employee ($millions) | 2.5112% | 7,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 3,477 |
| Loan loss allowance to noncurrent loans | 117.3267% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 4,958 |
| Noncurrent loans to loans | 1.1966% | 4,579 |
| Net loans and leases to total assets | 73.6428% | 2,858 |
| Net loans and leases to deposits | 91.0105% | 2,775 |
| Net loans and leases to core deposits | 97.5930% | 4,789 |
| Total domestic deposits to total assets | 80.9168% | 5,004 |
| Equity capital to assets | 9.7761% | 4,267 |
| Core capital (leverage) ratio | 9.0404% | 4,640 |
| Tier 1 risk-based capital ratio | 11.6224% | 5,277 |
| Total risk-based capital ratio | 12.8994% | 5,171 |
| Memoranda: | ||
| Average total assets | $45,605,000 | 7,044 |
| Average earning assets | $40,999,000 | 7,060 |
| Average equity | $4,326,000 | 7,344 |
| Average total loans | $33,735,500 | 6,551 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9478% | 1,262 |
| Cost of funding earning assets | 2.0826% | 6,123 |
| Net interest margin | 4.8652% | 683 |
| Noninterest income to average assets | 0.4240% | 5,269 |
| Noninterest expense to average assets | 3.5988% | 2,149 |
| Loan and lease loss provision to assets | 0.3774% | 3,422 |
| Net operating income to assets | 0.8281% | 3,321 |
| Return on assets (ROA) | 0.8281% | 3,157 |
| Pretax return on assets | 0.8303% | 3,958 |
| Return on Equity (ROE) | 9.1033% | 2,606 |
| Retained earnings to average equity (ytd only) | 9.1033% | 587 |
| Net charge-offs to loans | 0.3092% | 3,326 |
| Credit loss provision to net charge-offs | 170.0000% | 3,013 |
| Earnings coverage of net charge-offs (x) | 5.4400% | 3,648 |
| Efficiency ratio | 74.8730% | 3,419 |
| Assets per employee ($millions) | 2.5560% | 7,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 3,957 |
| Loan loss allowance to noncurrent loans | 202.8302% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 5,842 |
| Noncurrent loans to loans | 0.6289% | 5,484 |
| Net loans and leases to total assets | 72.3331% | 3,513 |
| Net loans and leases to deposits | 90.0260% | 3,452 |
| Net loans and leases to core deposits | 96.2182% | 5,238 |
| Total domestic deposits to total assets | 80.3469% | 4,890 |
| Equity capital to assets | 9.2006% | 5,079 |
| Core capital (leverage) ratio | 8.6930% | 5,207 |
| Tier 1 risk-based capital ratio | 10.8866% | 5,825 |
| Total risk-based capital ratio | 12.0817% | 5,783 |
| Memoranda: | ||
| Average total assets | $45,042,200 | 6,988 |
| Average earning assets | $40,574,000 | 7,018 |
| Average equity | $4,097,400 | 7,475 |
| Average total loans | $32,344,200 | 6,591 |