Home > Iowa State Bank and Trust Company of Fairfield, Iowa > Performance and Condition Ratios
Iowa State Bank and Trust Company of Fairfield, Iowa, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9765% | 1,206 |
| Cost of funding earning assets | 2.7699% | 519 |
| Net interest margin | 3.2066% | 2,998 |
| Noninterest income to average assets | 0.1700% | 3,735 |
| Noninterest expense to average assets | 1.9502% | 3,646 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 0.8711% | 2,661 |
| Return on assets (ROA) | 0.8964% | 2,597 |
| Pretax return on assets | 1.1719% | 2,305 |
| Return on Equity (ROE) | 11.4400% | 1,898 |
| Retained earnings to average equity (ytd only) | 8.6471% | 1,522 |
| Net charge-offs to loans | 0.0635% | 1,052 |
| Credit loss provision to net charge-offs | 220.5882% | 857 |
| Earnings coverage of net charge-offs (x) | 25.2059% | 1,336 |
| Efficiency ratio | 60.9567% | 2,837 |
| Assets per employee ($millions) | 8.7333% | 1,209 |
| Cash dividends to net income (ytd only)* | 24.3902% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 3,308 |
| Loan loss allowance to noncurrent loans | 1,910.7143% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,296 |
| Noncurrent loans to loans | 0.0516% | 3,420 |
| Net loans and leases to total assets | 76.8800% | 966 |
| Net loans and leases to deposits | 92.2302% | 900 |
| Net loans and leases to core deposits | 117.4393% | 621 |
| Total domestic deposits to total assets | 83.3600% | 3,056 |
| Equity capital to assets | 7.8085% | 3,687 |
| Core capital (leverage) ratio | 8.1380% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4819% | 2,619 |
| Memoranda: | ||
| Average total assets | $274,429,500 | 2,603 |
| Average earning assets | $259,216,000 | 2,582 |
| Average equity | $21,510,000 | 2,922 |
| Average total loans | $214,230,500 | 2,318 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9815% | 1,316 |
| Cost of funding earning assets | 2.9730% | 521 |
| Net interest margin | 3.0086% | 3,131 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 1.9829% | 3,640 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 0.7250% | 2,901 |
| Return on assets (ROA) | 0.7458% | 2,865 |
| Pretax return on assets | 0.9716% | 2,605 |
| Return on Equity (ROE) | 9.3300% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.1436% | 1,767 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 65.9859% | 2,494 |
| Assets per employee ($millions) | 8.6902% | 1,182 |
| Cash dividends to net income (ytd only)* | 34.1615% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,275 |
| Loan loss allowance to noncurrent loans | 2,623.7500% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,473 |
| Noncurrent loans to loans | 0.0378% | 3,482 |
| Net loans and leases to total assets | 77.7200% | 938 |
| Net loans and leases to deposits | 93.5836% | 894 |
| Net loans and leases to core deposits | 119.4525% | 614 |
| Total domestic deposits to total assets | 83.0500% | 3,019 |
| Equity capital to assets | 7.8687% | 3,587 |
| Core capital (leverage) ratio | 8.1566% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5214% | 2,648 |
| Memoranda: | ||
| Average total assets | $259,061,200 | 2,654 |
| Average earning assets | $244,369,600 | 2,626 |
| Average equity | $20,704,600 | 2,925 |
| Average total loans | $200,119,600 | 2,371 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9396% | 1,344 |
| Cost of funding earning assets | 2.9819% | 524 |
| Net interest margin | 2.9577% | 3,189 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 1.9193% | 3,724 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.7295% | 2,900 |
| Return on assets (ROA) | 0.7574% | 2,830 |
| Pretax return on assets | 0.9955% | 2,563 |
| Return on Equity (ROE) | 9.4400% | 2,341 |
| Retained earnings to average equity (ytd only) | 6.0701% | 2,057 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.8630% | 2,610 |
| Assets per employee ($millions) | 8.6199% | 1,221 |
| Cash dividends to net income (ytd only)* | 35.6898% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,141 |
| Loan loss allowance to noncurrent loans | 2,738.6667% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,551 |
| Noncurrent loans to loans | 0.0373% | 3,543 |
| Net loans and leases to total assets | 77.0300% | 993 |
| Net loans and leases to deposits | 95.7879% | 738 |
| Net loans and leases to core deposits | 121.8753% | 560 |
| Total domestic deposits to total assets | 80.4200% | 3,397 |
| Equity capital to assets | 8.2108% | 3,586 |
| Core capital (leverage) ratio | 8.1757% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7915% | 2,608 |
| Memoranda: | ||
| Average total assets | $256,477,750 | 2,661 |
| Average earning assets | $242,030,750 | 2,634 |
| Average equity | $20,581,250 | 2,927 |
| Average total loans | $197,282,750 | 2,381 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8010% | 1,458 |
| Cost of funding earning assets | 2.7334% | 733 |
| Net interest margin | 3.0677% | 2,919 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 1.9697% | 3,621 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.7866% | 2,668 |
| Return on assets (ROA) | 0.7866% | 2,687 |
| Pretax return on assets | 1.0244% | 2,406 |
| Return on Equity (ROE) | 9.8800% | 2,218 |
| Retained earnings to average equity (ytd only) | 6.1481% | 1,957 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.1947% | 2,750 |
| Assets per employee ($millions) | 8.8249% | 1,069 |
| Cash dividends to net income (ytd only)* | 37.7734% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,311 |
| Loan loss allowance to noncurrent loans | 1,769.0265% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,387 |
| Noncurrent loans to loans | 0.0563% | 3,382 |
| Net loans and leases to total assets | 75.1100% | 1,281 |
| Net loans and leases to deposits | 94.0578% | 942 |
| Net loans and leases to core deposits | 115.4106% | 777 |
| Total domestic deposits to total assets | 79.8500% | 3,472 |
| Equity capital to assets | 7.8018% | 3,561 |
| Core capital (leverage) ratio | 8.0040% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6433% | 2,656 |
| Memoranda: | ||
| Average total assets | $255,771,000 | 2,668 |
| Average earning assets | $241,681,000 | 2,633 |
| Average equity | $20,364,000 | 2,911 |
| Average total loans | $195,955,667 | 2,383 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6376% | 1,567 |
| Cost of funding earning assets | 2.6349% | 793 |
| Net interest margin | 3.0027% | 2,990 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 1.8565% | 3,861 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.8327% | 2,440 |
| Return on assets (ROA) | 0.8327% | 2,455 |
| Pretax return on assets | 1.0859% | 2,174 |
| Return on Equity (ROE) | 10.2600% | 2,059 |
| Retained earnings to average equity (ytd only) | 5.5516% | 2,247 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.7585% | 3,058 |
| Assets per employee ($millions) | 8.8750% | 1,069 |
| Cash dividends to net income (ytd only)* | 45.8891% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 3,350 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 75.5700% | 1,124 |
| Net loans and leases to deposits | 95.1764% | 783 |
| Net loans and leases to core deposits | 113.8979% | 817 |
| Total domestic deposits to total assets | 79.4000% | 3,619 |
| Equity capital to assets | 7.9596% | 3,401 |
| Core capital (leverage) ratio | 8.4326% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7963% | 2,644 |
| Memoranda: | ||
| Average total assets | $251,230,000 | 2,689 |
| Average earning assets | $237,122,500 | 2,672 |
| Average equity | $20,390,500 | 2,922 |
| Average total loans | $193,513,000 | 2,392 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 1,845 |
| Cost of funding earning assets | 2.1441% | 706 |
| Net interest margin | 2.9605% | 3,378 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.3292% | 2,775 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4756% | 3,722 |
| Return on assets (ROA) | 0.4576% | 3,751 |
| Pretax return on assets | 0.5884% | 3,656 |
| Return on Equity (ROE) | 5.8300% | 3,553 |
| Retained earnings to average equity (ytd only) | 1.4446% | 3,726 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.1744% | 1,057 |
| Assets per employee ($millions) | 8.1695% | 1,349 |
| Cash dividends to net income (ytd only)* | 75.2381% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,313 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.9900% | 974 |
| Net loans and leases to deposits | 96.9341% | 720 |
| Net loans and leases to core deposits | 106.9879% | 1,071 |
| Total domestic deposits to total assets | 79.4200% | 3,552 |
| Equity capital to assets | 8.2808% | 3,217 |
| Core capital (leverage) ratio | 8.6193% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0364% | 2,572 |
| Memoranda: | ||
| Average total assets | $229,434,400 | 2,790 |
| Average earning assets | $215,706,600 | 2,766 |
| Average equity | $17,997,600 | 3,015 |
| Average total loans | $176,658,400 | 2,475 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 1,973 |
| Cost of funding earning assets | 2.0061% | 698 |
| Net interest margin | 2.9333% | 3,468 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.4009% | 2,514 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4074% | 3,954 |
| Return on assets (ROA) | 0.3831% | 3,989 |
| Pretax return on assets | 0.4907% | 3,915 |
| Return on Equity (ROE) | 4.9600% | 3,814 |
| Retained earnings to average equity (ytd only) | 0.7499% | 3,997 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.4317% | 767 |
| Assets per employee ($millions) | 7.9756% | 1,356 |
| Cash dividends to net income (ytd only)* | 84.8765% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,283 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.7200% | 1,151 |
| Net loans and leases to deposits | 91.3857% | 1,107 |
| Net loans and leases to core deposits | 102.9497% | 1,168 |
| Total domestic deposits to total assets | 82.8600% | 3,042 |
| Equity capital to assets | 8.2276% | 2,900 |
| Core capital (leverage) ratio | 8.6698% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0272% | 2,602 |
| Memoranda: | ||
| Average total assets | $225,521,500 | 2,823 |
| Average earning assets | $211,813,250 | 2,801 |
| Average equity | $17,423,250 | 3,046 |
| Average total loans | $173,175,250 | 2,507 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 2,195 |
| Cost of funding earning assets | 1.7855% | 760 |
| Net interest margin | 2.9191% | 3,610 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.6306% | 1,848 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.2409% | 4,242 |
| Return on assets (ROA) | 0.2028% | 4,296 |
| Pretax return on assets | 0.2498% | 4,276 |
| Return on Equity (ROE) | 2.6900% | 4,196 |
| Retained earnings to average equity (ytd only) | -1.0319% | 4,222 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.4429% | 371 |
| Assets per employee ($millions) | 7.4298% | 1,639 |
| Cash dividends to net income (ytd only)* | 138.3929% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 3,281 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 77.0400% | 939 |
| Net loans and leases to deposits | 93.3791% | 917 |
| Net loans and leases to core deposits | 106.0244% | 987 |
| Total domestic deposits to total assets | 82.5100% | 3,138 |
| Equity capital to assets | 7.2507% | 3,663 |
| Core capital (leverage) ratio | 7.7112% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4445% | 2,912 |
| Memoranda: | ||
| Average total assets | $220,939,667 | 2,865 |
| Average earning assets | $208,007,000 | 2,838 |
| Average equity | $16,669,000 | 3,130 |
| Average total loans | $169,889,667 | 2,526 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 2,546 |
| Cost of funding earning assets | 1.5843% | 718 |
| Net interest margin | 2.8172% | 3,927 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 3.1186% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.2200% | 4,558 |
| Return on assets (ROA) | -0.2960% | 4,556 |
| Pretax return on assets | -0.4162% | 4,557 |
| Return on Equity (ROE) | -3.8400% | 4,538 |
| Retained earnings to average equity (ytd only) | -7.5660% | 4,418 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 111.4342% | 97 |
| Assets per employee ($millions) | 7.3878% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,042 |
| Loan loss allowance to noncurrent loans | 6,116.6667% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,720 |
| Noncurrent loans to loans | 0.0180% | 3,659 |
| Net loans and leases to total assets | 74.2900% | 1,163 |
| Net loans and leases to deposits | 87.0249% | 1,286 |
| Net loans and leases to core deposits | 98.4413% | 1,154 |
| Total domestic deposits to total assets | 85.3700% | 2,756 |
| Equity capital to assets | 7.4993% | 3,559 |
| Core capital (leverage) ratio | 8.0990% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3107% | 2,901 |
| Memoranda: | ||
| Average total assets | $216,248,000 | 2,931 |
| Average earning assets | $203,751,000 | 2,909 |
| Average equity | $16,653,500 | 3,161 |
| Average total loans | $165,183,000 | 2,589 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 2,049 |
| Cost of funding earning assets | 0.6219% | 824 |
| Net interest margin | 3.2532% | 2,695 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.3936% | 2,442 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5787% | 3,926 |
| Return on assets (ROA) | 0.5787% | 3,892 |
| Pretax return on assets | 0.7510% | 3,739 |
| Return on Equity (ROE) | 6.7400% | 3,688 |
| Retained earnings to average equity (ytd only) | 2.0271% | 3,970 |
| Net charge-offs to loans | 0.0069% | 2,150 |
| Credit loss provision to net charge-offs | 1,140.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 155.2000% | 770 |
| Efficiency ratio | 74.7025% | 1,149 |
| Assets per employee ($millions) | 6.5894% | 2,262 |
| Cash dividends to net income (ytd only)* | 69.9458% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 3,539 |
| Loan loss allowance to noncurrent loans | 3,101.9608% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,592 |
| Noncurrent loans to loans | 0.0311% | 3,558 |
| Net loans and leases to total assets | 76.9700% | 899 |
| Net loans and leases to deposits | 92.5581% | 887 |
| Net loans and leases to core deposits | 105.2005% | 783 |
| Total domestic deposits to total assets | 83.1600% | 3,385 |
| Equity capital to assets | 7.9133% | 3,113 |
| Core capital (leverage) ratio | 8.6146% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4359% | 2,878 |
| Memoranda: | ||
| Average total assets | $191,472,400 | 3,091 |
| Average earning assets | $178,810,400 | 3,071 |
| Average equity | $16,427,600 | 3,241 |
| Average total loans | $145,556,800 | 2,674 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 1,989 |
| Cost of funding earning assets | 0.4220% | 1,144 |
| Net interest margin | 3.2943% | 2,315 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.4376% | 2,197 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6680% | 3,648 |
| Return on assets (ROA) | 0.6680% | 3,610 |
| Pretax return on assets | 0.8687% | 3,425 |
| Return on Equity (ROE) | 7.6200% | 3,426 |
| Retained earnings to average equity (ytd only) | 2.9741% | 3,776 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.8748% | 1,394 |
| Assets per employee ($millions) | 5.9369% | 2,822 |
| Cash dividends to net income (ytd only)* | 60.9626% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 3,547 |
| Loan loss allowance to noncurrent loans | 543.6170% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 2,570 |
| Noncurrent loans to loans | 0.1816% | 2,679 |
| Net loans and leases to total assets | 80.9400% | 451 |
| Net loans and leases to deposits | 99.4644% | 385 |
| Net loans and leases to core deposits | 109.0562% | 497 |
| Total domestic deposits to total assets | 81.3700% | 3,924 |
| Equity capital to assets | 8.8261% | 2,330 |
| Core capital (leverage) ratio | 9.4220% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1140% | 2,785 |
| Memoranda: | ||
| Average total assets | $186,625,250 | 3,156 |
| Average earning assets | $174,073,750 | 3,139 |
| Average equity | $16,363,000 | 3,279 |
| Average total loans | $140,976,250 | 2,725 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 1,986 |
| Cost of funding earning assets | 0.3931% | 963 |
| Net interest margin | 3.1599% | 2,328 |
| Noninterest income to average assets | 0.2879% | 3,454 |
| Noninterest expense to average assets | 2.4226% | 2,162 |
| Loan and lease loss provision to assets | 0.0582% | 1,541 |
| Net operating income to assets | 0.5854% | 3,668 |
| Return on assets (ROA) | 0.5854% | 3,617 |
| Pretax return on assets | 0.7536% | 3,442 |
| Return on Equity (ROE) | 6.6921% | 3,397 |
| Retained earnings to average equity (ytd only) | 2.1937% | 3,697 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9000% | 1,403 |
| Assets per employee ($millions) | 6.0744% | 2,676 |
| Cash dividends to net income (ytd only)* | 67.2192% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,358 |
| Loan loss allowance to noncurrent loans | 3,406.6667% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,757 |
| Noncurrent loans to loans | 0.0309% | 3,723 |
| Net loans and leases to total assets | 76.5418% | 679 |
| Net loans and leases to deposits | 90.4380% | 691 |
| Net loans and leases to core deposits | 92.9680% | 975 |
| Total domestic deposits to total assets | 84.6345% | 3,559 |
| Equity capital to assets | 8.9424% | 2,418 |
| Core capital (leverage) ratio | 9.1395% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8143% | 2,562 |
| Memoranda: | ||
| Average total assets | $185,506,333 | 3,195 |
| Average earning assets | $172,978,333 | 3,188 |
| Average equity | $16,228,000 | 3,390 |
| Average total loans | $136,202,000 | 2,787 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3727% | 2,170 |
| Cost of funding earning assets | 0.3592% | 1,138 |
| Net interest margin | 3.0135% | 2,460 |
| Noninterest income to average assets | 0.2803% | 3,456 |
| Noninterest expense to average assets | 2.2987% | 2,507 |
| Loan and lease loss provision to assets | 0.1173% | 711 |
| Net operating income to assets | 0.5193% | 3,656 |
| Return on assets (ROA) | 0.5193% | 3,624 |
| Pretax return on assets | 0.6713% | 3,473 |
| Return on Equity (ROE) | 6.0041% | 3,345 |
| Retained earnings to average equity (ytd only) | 1.9846% | 3,541 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4546% | 1,693 |
| Assets per employee ($millions) | 5.9089% | 2,887 |
| Cash dividends to net income (ytd only)* | 66.9456% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,094 |
| Loan loss allowance to noncurrent loans | 3,128.5714% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 3,778 |
| Noncurrent loans to loans | 0.0368% | 3,719 |
| Net loans and leases to total assets | 71.8682% | 848 |
| Net loans and leases to deposits | 84.7879% | 826 |
| Net loans and leases to core deposits | 87.2174% | 1,070 |
| Total domestic deposits to total assets | 84.7623% | 3,594 |
| Equity capital to assets | 8.6321% | 3,042 |
| Core capital (leverage) ratio | 8.9150% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,107,000 | 3,213 |
| Average earning assets | $171,493,500 | 3,218 |
| Average equity | $15,922,500 | 3,480 |
| Average total loans | $131,470,500 | 2,830 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 960 |
| Cost of funding earning assets | 0.4412% | 1,252 |
| Net interest margin | 3.7815% | 1,049 |
| Noninterest income to average assets | 0.3361% | 3,406 |
| Noninterest expense to average assets | 2.3588% | 2,625 |
| Loan and lease loss provision to assets | 0.1249% | 980 |
| Net operating income to assets | 1.0361% | 2,535 |
| Return on assets (ROA) | 1.0565% | 2,528 |
| Pretax return on assets | 1.3826% | 2,107 |
| Return on Equity (ROE) | 11.5059% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.4172% | 1,756 |
| Net charge-offs to loans | 0.0118% | 2,124 |
| Credit loss provision to net charge-offs | 1,420.0000% | 409 |
| Earnings coverage of net charge-offs (x) | 168.4000% | 609 |
| Efficiency ratio | 61.4174% | 2,951 |
| Assets per employee ($millions) | 5.9697% | 2,809 |
| Cash dividends to net income (ytd only)* | 35.5358% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 3,174 |
| Loan loss allowance to noncurrent loans | 580.0000% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 2,977 |
| Noncurrent loans to loans | 0.1965% | 2,963 |
| Net loans and leases to total assets | 69.3197% | 1,119 |
| Net loans and leases to deposits | 82.1984% | 1,048 |
| Net loans and leases to core deposits | 84.5753% | 1,292 |
| Total domestic deposits to total assets | 84.3321% | 3,464 |
| Equity capital to assets | 8.6248% | 3,963 |
| Core capital (leverage) ratio | 8.8738% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4659% | 2,466 |
| Memoranda: | ||
| Average total assets | $170,469,800 | 3,296 |
| Average earning assets | $157,981,600 | 3,297 |
| Average equity | $15,652,800 | 3,574 |
| Average total loans | $127,278,600 | 2,888 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 671 |
| Cost of funding earning assets | 0.4584% | 1,300 |
| Net interest margin | 4.0452% | 720 |
| Noninterest income to average assets | 0.3221% | 3,501 |
| Noninterest expense to average assets | 2.3481% | 2,601 |
| Loan and lease loss provision to assets | 0.1073% | 1,127 |
| Net operating income to assets | 1.2278% | 2,074 |
| Return on assets (ROA) | 1.2556% | 2,034 |
| Pretax return on assets | 1.6472% | 1,561 |
| Return on Equity (ROE) | 13.4479% | 1,559 |
| Retained earnings to average equity (ytd only) | 9.3391% | 1,559 |
| Net charge-offs to loans | 0.0158% | 1,764 |
| Credit loss provision to net charge-offs | 893.3333% | 546 |
| Earnings coverage of net charge-offs (x) | 143.4000% | 696 |
| Efficiency ratio | 57.7324% | 3,313 |
| Assets per employee ($millions) | 5.3669% | 3,332 |
| Cash dividends to net income (ytd only)* | 30.5538% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,459 |
| Loan loss allowance to noncurrent loans | 342.0538% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 2,552 |
| Noncurrent loans to loans | 0.3202% | 2,629 |
| Net loans and leases to total assets | 75.9217% | 552 |
| Net loans and leases to deposits | 91.9825% | 497 |
| Net loans and leases to core deposits | 94.6144% | 808 |
| Total domestic deposits to total assets | 82.5393% | 3,815 |
| Equity capital to assets | 9.5916% | 3,295 |
| Core capital (leverage) ratio | 9.5787% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0853% | 2,329 |
| Memoranda: | ||
| Average total assets | $166,822,250 | 3,362 |
| Average earning assets | $154,451,250 | 3,361 |
| Average equity | $15,575,750 | 3,622 |
| Average total loans | $126,657,750 | 2,929 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 407 |
| Cost of funding earning assets | 0.4683% | 1,397 |
| Net interest margin | 4.4257% | 400 |
| Noninterest income to average assets | 0.3174% | 3,526 |
| Noninterest expense to average assets | 2.3106% | 2,736 |
| Loan and lease loss provision to assets | 0.1270% | 989 |
| Net operating income to assets | 1.5035% | 1,277 |
| Return on assets (ROA) | 1.5452% | 1,241 |
| Pretax return on assets | 2.0303% | 792 |
| Return on Equity (ROE) | 16.7008% | 825 |
| Retained earnings to average equity (ytd only) | 12.5580% | 802 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3332% | 4,009 |
| Assets per employee ($millions) | 6.6859% | 2,030 |
| Cash dividends to net income (ytd only)* | 24.8062% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 3,487 |
| Loan loss allowance to noncurrent loans | 323.3100% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 2,699 |
| Noncurrent loans to loans | 0.3351% | 2,707 |
| Net loans and leases to total assets | 72.8464% | 871 |
| Net loans and leases to deposits | 87.3962% | 816 |
| Net loans and leases to core deposits | 89.7570% | 1,154 |
| Total domestic deposits to total assets | 83.3518% | 3,622 |
| Equity capital to assets | 9.1266% | 3,679 |
| Core capital (leverage) ratio | 9.1025% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8855% | 2,408 |
| Memoranda: | ||
| Average total assets | $166,971,667 | 3,367 |
| Average earning assets | $154,596,667 | 3,366 |
| Average equity | $15,448,333 | 3,639 |
| Average total loans | $126,306,000 | 2,944 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 458 |
| Cost of funding earning assets | 0.4642% | 1,629 |
| Net interest margin | 4.3787% | 445 |
| Noninterest income to average assets | 0.3816% | 3,193 |
| Noninterest expense to average assets | 2.3113% | 2,750 |
| Loan and lease loss provision to assets | 0.0685% | 1,781 |
| Net operating income to assets | 1.5654% | 1,189 |
| Return on assets (ROA) | 1.5654% | 1,251 |
| Pretax return on assets | 2.0619% | 856 |
| Return on Equity (ROE) | 16.7979% | 880 |
| Retained earnings to average equity (ytd only) | 12.5984% | 1,002 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0374% | 3,988 |
| Assets per employee ($millions) | 5.5631% | 3,050 |
| Cash dividends to net income (ytd only)* | 25.0000% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 3,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 78.8128% | 414 |
| Net loans and leases to deposits | 94.9765% | 441 |
| Net loans and leases to core deposits | 99.8960% | 719 |
| Total domestic deposits to total assets | 82.9813% | 3,693 |
| Equity capital to assets | 9.2460% | 3,448 |
| Core capital (leverage) ratio | 9.4310% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8178% | 2,364 |
| Memoranda: | ||
| Average total assets | $163,541,000 | 3,397 |
| Average earning assets | $151,643,500 | 3,398 |
| Average equity | $15,240,000 | 3,666 |
| Average total loans | $125,450,000 | 2,957 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 1,744 |
| Cost of funding earning assets | 0.7784% | 1,305 |
| Net interest margin | 3.5614% | 2,274 |
| Noninterest income to average assets | 0.3860% | 3,172 |
| Noninterest expense to average assets | 2.4522% | 2,985 |
| Loan and lease loss provision to assets | 0.1078% | 2,994 |
| Net operating income to assets | 0.8619% | 2,854 |
| Return on assets (ROA) | 0.8805% | 2,918 |
| Pretax return on assets | 1.1446% | 2,532 |
| Return on Equity (ROE) | 8.8901% | 2,443 |
| Retained earnings to average equity (ytd only) | 4.7545% | 2,394 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6179% | 2,425 |
| Assets per employee ($millions) | 5.9329% | 2,399 |
| Cash dividends to net income (ytd only)* | 46.5187% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.9001% | 1,173 |
| Net loans and leases to deposits | 87.7331% | 1,117 |
| Net loans and leases to core deposits | 94.9893% | 1,182 |
| Total domestic deposits to total assets | 83.0931% | 3,385 |
| Equity capital to assets | 9.3945% | 3,705 |
| Core capital (leverage) ratio | 9.2121% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3272% | 2,114 |
| Memoranda: | ||
| Average total assets | $148,439,400 | 3,418 |
| Average earning assets | $137,333,000 | 3,417 |
| Average equity | $14,701,800 | 3,678 |
| Average total loans | $111,970,600 | 3,068 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 1,590 |
| Cost of funding earning assets | 0.8448% | 1,282 |
| Net interest margin | 3.6478% | 2,103 |
| Noninterest income to average assets | 0.4527% | 2,836 |
| Noninterest expense to average assets | 2.4448% | 3,009 |
| Loan and lease loss provision to assets | 0.1285% | 2,740 |
| Net operating income to assets | 0.9625% | 2,478 |
| Return on assets (ROA) | 0.9878% | 2,516 |
| Pretax return on assets | 1.2865% | 2,109 |
| Return on Equity (ROE) | 9.8344% | 2,077 |
| Retained earnings to average equity (ytd only) | 5.7474% | 2,209 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8736% | 2,756 |
| Assets per employee ($millions) | 5.7409% | 2,509 |
| Cash dividends to net income (ytd only)* | 41.5584% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.9942% | 1,369 |
| Net loans and leases to deposits | 89.9363% | 1,270 |
| Net loans and leases to core deposits | 97.9412% | 1,310 |
| Total domestic deposits to total assets | 82.2740% | 3,350 |
| Equity capital to assets | 9.6798% | 3,535 |
| Core capital (leverage) ratio | 9.4834% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1063% | 1,793 |
| Memoranda: | ||
| Average total assets | $145,502,000 | 3,437 |
| Average earning assets | $134,617,750 | 3,436 |
| Average equity | $14,615,000 | 3,689 |
| Average total loans | $110,448,750 | 3,105 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9105% | 957 |
| Cost of funding earning assets | 0.9429% | 1,177 |
| Net interest margin | 3.9677% | 1,406 |
| Noninterest income to average assets | 0.3724% | 3,242 |
| Noninterest expense to average assets | 2.5040% | 2,949 |
| Loan and lease loss provision to assets | 0.1686% | 2,318 |
| Net operating income to assets | 1.0459% | 2,164 |
| Return on assets (ROA) | 1.0848% | 2,141 |
| Pretax return on assets | 1.4150% | 1,693 |
| Return on Equity (ROE) | 10.6591% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.6826% | 1,784 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0042% | 3,122 |
| Assets per employee ($millions) | 6.4913% | 1,784 |
| Cash dividends to net income (ytd only)* | 37.3057% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.6012% | 1,784 |
| Net loans and leases to deposits | 87.1953% | 1,642 |
| Net loans and leases to core deposits | 96.1455% | 1,570 |
| Total domestic deposits to total assets | 82.1159% | 3,337 |
| Equity capital to assets | 9.5377% | 3,628 |
| Core capital (leverage) ratio | 9.6545% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0185% | 1,809 |
| Memoranda: | ||
| Average total assets | $142,334,667 | 3,458 |
| Average earning assets | $131,513,333 | 3,455 |
| Average equity | $14,485,333 | 3,708 |
| Average total loans | $108,613,667 | 3,119 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7377% | 1,596 |
| Cost of funding earning assets | 1.1091% | 1,016 |
| Net interest margin | 3.6286% | 2,573 |
| Noninterest income to average assets | 0.5604% | 2,230 |
| Noninterest expense to average assets | 2.6931% | 2,723 |
| Loan and lease loss provision to assets | 0.2950% | 1,048 |
| Net operating income to assets | 0.7031% | 3,263 |
| Return on assets (ROA) | 0.7846% | 3,044 |
| Pretax return on assets | 1.0147% | 2,801 |
| Return on Equity (ROE) | 7.4413% | 2,766 |
| Retained earnings to average equity (ytd only) | 3.8605% | 2,731 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0620% | 2,501 |
| Assets per employee ($millions) | 5.4110% | 2,212 |
| Cash dividends to net income (ytd only)* | 48.1203% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.4129% | 918 |
| Net loans and leases to deposits | 99.0300% | 622 |
| Net loans and leases to core deposits | 113.5321% | 683 |
| Total domestic deposits to total assets | 79.1809% | 4,012 |
| Equity capital to assets | 10.6916% | 3,146 |
| Core capital (leverage) ratio | 10.6804% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7932% | 1,974 |
| Memoranda: | ||
| Average total assets | $135,606,000 | 3,506 |
| Average earning assets | $124,787,000 | 3,511 |
| Average equity | $14,298,500 | 3,736 |
| Average total loans | $106,526,000 | 3,132 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7446% | 2,203 |
| Cost of funding earning assets | 1.2209% | 976 |
| Net interest margin | 3.5237% | 3,366 |
| Noninterest income to average assets | 0.4465% | 3,019 |
| Noninterest expense to average assets | 2.3862% | 3,722 |
| Loan and lease loss provision to assets | 0.0624% | 2,788 |
| Net operating income to assets | 0.9710% | 2,949 |
| Return on assets (ROA) | 0.9739% | 3,022 |
| Pretax return on assets | 1.2640% | 2,629 |
| Return on Equity (ROE) | 9.8425% | 2,364 |
| Retained earnings to average equity (ytd only) | 6.0421% | 1,844 |
| Net charge-offs to loans | 0.0010% | 3,695 |
| Credit loss provision to net charge-offs | 8,500.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,801.0000% | 41 |
| Efficiency ratio | 64.3366% | 3,029 |
| Assets per employee ($millions) | 5.4375% | 2,115 |
| Cash dividends to net income (ytd only)* | 38.6124% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,169 |
| Loan loss allowance to noncurrent loans | 28,000.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,674 |
| Noncurrent loans to loans | 0.0038% | 4,589 |
| Net loans and leases to total assets | 76.9761% | 1,259 |
| Net loans and leases to deposits | 95.5232% | 993 |
| Net loans and leases to core deposits | 107.7309% | 992 |
| Total domestic deposits to total assets | 80.5837% | 3,860 |
| Equity capital to assets | 10.3975% | 3,545 |
| Core capital (leverage) ratio | 10.5337% | 2,919 |
| Tier 1 risk-based capital ratio | 13.2071% | 3,680 |
| Total risk-based capital ratio | 14.2451% | 3,670 |
| Memoranda: | ||
| Average total assets | $136,159,600 | 3,494 |
| Average earning assets | $126,059,000 | 3,483 |
| Average equity | $13,472,200 | 3,822 |
| Average total loans | $103,938,600 | 3,174 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 2,373 |
| Cost of funding earning assets | 1.2327% | 950 |
| Net interest margin | 3.4815% | 3,627 |
| Noninterest income to average assets | 0.4473% | 3,036 |
| Noninterest expense to average assets | 2.4656% | 3,521 |
| Loan and lease loss provision to assets | 0.0685% | 2,505 |
| Net operating income to assets | 0.8810% | 3,413 |
| Return on assets (ROA) | 0.8848% | 3,479 |
| Pretax return on assets | 1.1442% | 3,153 |
| Return on Equity (ROE) | 9.0578% | 2,865 |
| Retained earnings to average equity (ytd only) | 5.2103% | 2,791 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1196% | 2,567 |
| Assets per employee ($millions) | 4.7336% | 2,870 |
| Cash dividends to net income (ytd only)* | 42.4782% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,207 |
| Loan loss allowance to noncurrent loans | 1,033.6449% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,318 |
| Noncurrent loans to loans | 0.1030% | 4,181 |
| Net loans and leases to total assets | 77.5541% | 1,217 |
| Net loans and leases to deposits | 99.8931% | 645 |
| Net loans and leases to core deposits | 113.8845% | 760 |
| Total domestic deposits to total assets | 77.6371% | 4,420 |
| Equity capital to assets | 10.3613% | 3,667 |
| Core capital (leverage) ratio | 10.2541% | 3,360 |
| Tier 1 risk-based capital ratio | 13.5228% | 3,561 |
| Total risk-based capital ratio | 14.5944% | 3,551 |
| Memoranda: | ||
| Average total assets | $136,215,250 | 3,523 |
| Average earning assets | $126,227,500 | 3,515 |
| Average equity | $13,306,750 | 3,887 |
| Average total loans | $103,483,500 | 3,215 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 2,524 |
| Cost of funding earning assets | 1.2081% | 965 |
| Net interest margin | 3.4406% | 3,771 |
| Noninterest income to average assets | 0.4264% | 3,090 |
| Noninterest expense to average assets | 2.4840% | 3,532 |
| Loan and lease loss provision to assets | 0.0873% | 2,098 |
| Net operating income to assets | 0.8149% | 3,603 |
| Return on assets (ROA) | 0.8149% | 3,660 |
| Pretax return on assets | 1.0463% | 3,400 |
| Return on Equity (ROE) | 8.5076% | 3,060 |
| Retained earnings to average equity (ytd only) | 4.6184% | 2,968 |
| Net charge-offs to loans | -0.0019% | 3,948 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6645% | 2,424 |
| Assets per employee ($millions) | 5.1399% | 2,315 |
| Cash dividends to net income (ytd only)* | 45.7143% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,312 |
| Loan loss allowance to noncurrent loans | 2,886.8421% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 4,633 |
| Noncurrent loans to loans | 0.0365% | 4,530 |
| Net loans and leases to total assets | 77.0140% | 1,385 |
| Net loans and leases to deposits | 95.8171% | 1,059 |
| Net loans and leases to core deposits | 107.1458% | 1,164 |
| Total domestic deposits to total assets | 80.3761% | 3,962 |
| Equity capital to assets | 10.0623% | 3,927 |
| Core capital (leverage) ratio | 9.5757% | 4,074 |
| Tier 1 risk-based capital ratio | 12.9478% | 3,866 |
| Total risk-based capital ratio | 13.9815% | 3,897 |
| Memoranda: | ||
| Average total assets | $137,440,000 | 3,520 |
| Average earning assets | $127,476,000 | 3,513 |
| Average equity | $13,164,670 | 3,911 |
| Average total loans | $103,345,670 | 3,234 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 2,986 |
| Cost of funding earning assets | 1.1279% | 1,096 |
| Net interest margin | 3.3373% | 4,069 |
| Noninterest income to average assets | 0.3847% | 3,299 |
| Noninterest expense to average assets | 2.2793% | 4,076 |
| Loan and lease loss provision to assets | 0.0861% | 1,982 |
| Net operating income to assets | 0.8612% | 3,400 |
| Return on assets (ROA) | 0.8612% | 3,451 |
| Pretax return on assets | 1.1109% | 3,116 |
| Return on Equity (ROE) | 9.2141% | 2,704 |
| Retained earnings to average equity (ytd only) | 5.2828% | 2,783 |
| Net charge-offs to loans | -0.0039% | 3,964 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5656% | 2,999 |
| Assets per employee ($millions) | 5.8299% | 1,683 |
| Cash dividends to net income (ytd only)* | 42.6667% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,526 |
| Loan loss allowance to noncurrent loans | 952.6786% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 4,336 |
| Noncurrent loans to loans | 0.1081% | 4,251 |
| Net loans and leases to total assets | 70.3809% | 2,422 |
| Net loans and leases to deposits | 85.7324% | 2,164 |
| Net loans and leases to core deposits | 93.8826% | 2,137 |
| Total domestic deposits to total assets | 82.0936% | 3,700 |
| Equity capital to assets | 9.0534% | 4,642 |
| Core capital (leverage) ratio | 10.3456% | 3,228 |
| Tier 1 risk-based capital ratio | 12.9174% | 3,919 |
| Total risk-based capital ratio | 13.9302% | 3,943 |
| Memoranda: | ||
| Average total assets | $139,341,000 | 3,541 |
| Average earning assets | $129,087,500 | 3,532 |
| Average equity | $13,023,500 | 3,945 |
| Average total loans | $103,010,000 | 3,270 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 2,432 |
| Cost of funding earning assets | 0.9241% | 1,012 |
| Net interest margin | 3.5856% | 3,433 |
| Noninterest income to average assets | 0.4326% | 3,222 |
| Noninterest expense to average assets | 2.4191% | 3,833 |
| Loan and lease loss provision to assets | 0.1133% | 1,946 |
| Net operating income to assets | 0.8717% | 3,529 |
| Return on assets (ROA) | 0.8675% | 3,543 |
| Pretax return on assets | 1.1205% | 3,203 |
| Return on Equity (ROE) | 9.1948% | 2,895 |
| Retained earnings to average equity (ytd only) | 5.0975% | 2,715 |
| Net charge-offs to loans | 0.0191% | 3,064 |
| Credit loss provision to net charge-offs | 789.4737% | 451 |
| Earnings coverage of net charge-offs (x) | 86.3684% | 818 |
| Efficiency ratio | 66.1300% | 2,855 |
| Assets per employee ($millions) | 4.7476% | 2,814 |
| Cash dividends to net income (ytd only)* | 44.5605% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,777 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 76.2326% | 1,571 |
| Net loans and leases to deposits | 92.4550% | 1,486 |
| Net loans and leases to core deposits | 100.5647% | 1,677 |
| Total domestic deposits to total assets | 82.4537% | 3,503 |
| Equity capital to assets | 9.6680% | 3,982 |
| Core capital (leverage) ratio | 10.2616% | 3,293 |
| Tier 1 risk-based capital ratio | 12.9756% | 3,854 |
| Total risk-based capital ratio | 13.9760% | 3,885 |
| Memoranda: | ||
| Average total assets | $132,444,800 | 3,618 |
| Average earning assets | $119,144,800 | 3,661 |
| Average equity | $12,496,200 | 3,960 |
| Average total loans | $99,684,200 | 3,297 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 2,470 |
| Cost of funding earning assets | 0.8664% | 1,045 |
| Net interest margin | 3.5814% | 3,430 |
| Noninterest income to average assets | 0.4111% | 3,417 |
| Noninterest expense to average assets | 2.4183% | 3,812 |
| Loan and lease loss provision to assets | 0.1209% | 1,672 |
| Net operating income to assets | 0.8369% | 3,788 |
| Return on assets (ROA) | 0.8313% | 3,818 |
| Pretax return on assets | 1.0721% | 3,494 |
| Return on Equity (ROE) | 8.8655% | 3,144 |
| Retained earnings to average equity (ytd only) | 4.7391% | 3,375 |
| Net charge-offs to loans | 0.0283% | 2,535 |
| Credit loss provision to net charge-offs | 571.4286% | 624 |
| Earnings coverage of net charge-offs (x) | 56.7129% | 1,090 |
| Efficiency ratio | 66.8338% | 2,744 |
| Assets per employee ($millions) | 5.4603% | 1,953 |
| Cash dividends to net income (ytd only)* | 46.5458% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 3,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,898 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.7801% | 2,020 |
| Net loans and leases to deposits | 88.7208% | 2,063 |
| Net loans and leases to core deposits | 95.9775% | 2,117 |
| Total domestic deposits to total assets | 83.1598% | 3,242 |
| Equity capital to assets | 9.1673% | 4,406 |
| Core capital (leverage) ratio | 10.3926% | 3,193 |
| Tier 1 risk-based capital ratio | 13.2485% | 3,761 |
| Total risk-based capital ratio | 14.2531% | 3,814 |
| Memoranda: | ||
| Average total assets | $132,322,500 | 3,653 |
| Average earning assets | $118,497,250 | 3,710 |
| Average equity | $12,407,250 | 4,001 |
| Average total loans | $99,011,500 | 3,341 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 2,431 |
| Cost of funding earning assets | 0.8365% | 982 |
| Net interest margin | 3.5588% | 3,439 |
| Noninterest income to average assets | 0.3697% | 3,688 |
| Noninterest expense to average assets | 2.3295% | 4,077 |
| Loan and lease loss provision to assets | 0.1375% | 1,422 |
| Net operating income to assets | 0.8287% | 3,755 |
| Return on assets (ROA) | 0.8203% | 3,794 |
| Pretax return on assets | 1.0571% | 3,485 |
| Return on Equity (ROE) | 8.6811% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.5426% | 3,323 |
| Net charge-offs to loans | 0.0448% | 1,969 |
| Credit loss provision to net charge-offs | 409.0909% | 808 |
| Earnings coverage of net charge-offs (x) | 35.8636% | 1,373 |
| Efficiency ratio | 65.9032% | 3,002 |
| Assets per employee ($millions) | 5.3172% | 2,083 |
| Cash dividends to net income (ytd only)* | 47.6723% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 4,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 4,427 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.0081% | 1,788 |
| Net loans and leases to deposits | 89.2754% | 1,940 |
| Net loans and leases to core deposits | 97.1349% | 1,950 |
| Total domestic deposits to total assets | 84.0188% | 3,059 |
| Equity capital to assets | 9.3620% | 4,225 |
| Core capital (leverage) ratio | 10.4453% | 3,085 |
| Tier 1 risk-based capital ratio | 12.9328% | 3,927 |
| Total risk-based capital ratio | 13.8949% | 3,996 |
| Memoranda: | ||
| Average total assets | $130,927,670 | 3,694 |
| Average earning assets | $116,443,670 | 3,769 |
| Average equity | $12,371,670 | 4,028 |
| Average total loans | $98,109,000 | 3,369 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 2,476 |
| Cost of funding earning assets | 0.7961% | 968 |
| Net interest margin | 3.5134% | 3,488 |
| Noninterest income to average assets | 0.3694% | 3,664 |
| Noninterest expense to average assets | 2.3336% | 4,103 |
| Loan and lease loss provision to assets | 0.1385% | 1,362 |
| Net operating income to assets | 0.7959% | 3,717 |
| Return on assets (ROA) | 0.7789% | 3,795 |
| Pretax return on assets | 1.0006% | 3,529 |
| Return on Equity (ROE) | 8.2043% | 3,292 |
| Retained earnings to average equity (ytd only) | 4.0535% | 3,578 |
| Net charge-offs to loans | 0.0289% | 1,920 |
| Credit loss provision to net charge-offs | 642.8571% | 494 |
| Earnings coverage of net charge-offs (x) | 53.8571% | 907 |
| Efficiency ratio | 66.7841% | 3,036 |
| Assets per employee ($millions) | 4.8530% | 2,678 |
| Cash dividends to net income (ytd only)* | 50.5929% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 4,139 |
| Loan loss allowance to noncurrent loans | 1,059.5506% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 4,170 |
| Noncurrent loans to loans | 0.0911% | 4,569 |
| Net loans and leases to total assets | 73.8495% | 1,880 |
| Net loans and leases to deposits | 87.6352% | 1,976 |
| Net loans and leases to core deposits | 94.0534% | 2,131 |
| Total domestic deposits to total assets | 84.2693% | 3,206 |
| Equity capital to assets | 9.3963% | 4,187 |
| Core capital (leverage) ratio | 10.6405% | 2,806 |
| Tier 1 risk-based capital ratio | 13.3124% | 3,770 |
| Total risk-based capital ratio | 14.2838% | 3,845 |
| Memoranda: | ||
| Average total assets | $129,926,000 | 3,751 |
| Average earning assets | $115,558,500 | 3,819 |
| Average equity | $12,335,000 | 4,072 |
| Average total loans | $96,822,500 | 3,416 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 2,388 |
| Cost of funding earning assets | 0.7109% | 969 |
| Net interest margin | 3.5716% | 3,261 |
| Noninterest income to average assets | 0.4679% | 3,208 |
| Noninterest expense to average assets | 2.4007% | 4,081 |
| Loan and lease loss provision to assets | 0.2312% | 839 |
| Net operating income to assets | 0.5497% | 4,222 |
| Return on assets (ROA) | 0.5497% | 4,252 |
| Pretax return on assets | 0.9963% | 3,586 |
| Return on Equity (ROE) | 5.6764% | 3,881 |
| Retained earnings to average equity (ytd only) | 1.5186% | 4,391 |
| Net charge-offs to loans | 0.3628% | 697 |
| Credit loss provision to net charge-offs | 86.7257% | 2,844 |
| Earnings coverage of net charge-offs (x) | 4.6047% | 3,441 |
| Efficiency ratio | 66.1682% | 3,236 |
| Assets per employee ($millions) | 4.7712% | 2,771 |
| Cash dividends to net income (ytd only)* | 73.2475% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 4,253 |
| Loan loss allowance to noncurrent loans | 275.9146% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 3,375 |
| Noncurrent loans to loans | 0.3419% | 3,535 |
| Net loans and leases to total assets | 73.7700% | 1,958 |
| Net loans and leases to deposits | 87.7967% | 2,042 |
| Net loans and leases to core deposits | 92.7458% | 2,300 |
| Total domestic deposits to total assets | 84.0237% | 3,200 |
| Equity capital to assets | 9.5931% | 4,150 |
| Core capital (leverage) ratio | 10.2641% | 3,111 |
| Tier 1 risk-based capital ratio | 13.2176% | 3,780 |
| Total risk-based capital ratio | 14.1574% | 3,866 |
| Memoranda: | ||
| Average total assets | $127,170,400 | 3,792 |
| Average earning assets | $112,526,800 | 3,873 |
| Average equity | $12,314,200 | 4,085 |
| Average total loans | $93,428,800 | 3,462 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 2,320 |
| Cost of funding earning assets | 0.6968% | 979 |
| Net interest margin | 3.5833% | 3,220 |
| Noninterest income to average assets | 0.4860% | 3,115 |
| Noninterest expense to average assets | 2.3341% | 4,203 |
| Loan and lease loss provision to assets | 0.1378% | 1,555 |
| Net operating income to assets | 0.7647% | 3,670 |
| Return on assets (ROA) | 0.7647% | 3,729 |
| Pretax return on assets | 1.1676% | 3,029 |
| Return on Equity (ROE) | 7.8785% | 3,191 |
| Retained earnings to average equity (ytd only) | 3.7171% | 3,710 |
| Net charge-offs to loans | 0.3175% | 661 |
| Credit loss provision to net charge-offs | 59.2760% | 2,814 |
| Earnings coverage of net charge-offs (x) | 5.6154% | 3,080 |
| Efficiency ratio | 64.1329% | 3,519 |
| Assets per employee ($millions) | 4.2654% | 3,531 |
| Cash dividends to net income (ytd only)* | 52.8200% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 4,420 |
| Loan loss allowance to noncurrent loans | 266.2539% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 3,340 |
| Noncurrent loans to loans | 0.3500% | 3,694 |
| Net loans and leases to total assets | 71.4462% | 2,339 |
| Net loans and leases to deposits | 85.7700% | 2,327 |
| Net loans and leases to core deposits | 90.6624% | 2,556 |
| Total domestic deposits to total assets | 83.2997% | 3,356 |
| Equity capital to assets | 9.7990% | 4,151 |
| Core capital (leverage) ratio | 10.7363% | 2,720 |
| Tier 1 risk-based capital ratio | 13.9201% | 3,484 |
| Total risk-based capital ratio | 14.8492% | 3,561 |
| Memoranda: | ||
| Average total assets | $126,757,500 | 3,832 |
| Average earning assets | $111,552,750 | 3,926 |
| Average equity | $12,303,250 | 4,127 |
| Average total loans | $92,801,750 | 3,505 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 2,324 |
| Cost of funding earning assets | 0.6753% | 1,020 |
| Net interest margin | 3.5647% | 3,167 |
| Noninterest income to average assets | 0.4400% | 3,421 |
| Noninterest expense to average assets | 2.3790% | 4,119 |
| Loan and lease loss provision to assets | 0.1377% | 1,502 |
| Net operating income to assets | 0.7059% | 3,823 |
| Return on assets (ROA) | 0.7059% | 3,885 |
| Pretax return on assets | 1.0732% | 3,288 |
| Return on Equity (ROE) | 7.2967% | 3,399 |
| Retained earnings to average equity (ytd only) | 3.1085% | 3,862 |
| Net charge-offs to loans | 0.4819% | 411 |
| Credit loss provision to net charge-offs | 38.8393% | 2,652 |
| Earnings coverage of net charge-offs (x) | 3.4152% | 3,054 |
| Efficiency ratio | 66.2698% | 3,307 |
| Assets per employee ($millions) | 5.5217% | 1,854 |
| Cash dividends to net income (ytd only)* | 57.3991% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8666% | 4,764 |
| Loan loss allowance to noncurrent loans | 269.2053% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 3,553 |
| Noncurrent loans to loans | 0.3219% | 3,882 |
| Net loans and leases to total assets | 70.1773% | 2,500 |
| Net loans and leases to deposits | 83.5533% | 2,540 |
| Net loans and leases to core deposits | 89.1777% | 2,599 |
| Total domestic deposits to total assets | 83.9911% | 3,198 |
| Equity capital to assets | 9.3639% | 4,550 |
| Core capital (leverage) ratio | 10.4834% | 2,935 |
| Tier 1 risk-based capital ratio | 13.5700% | 3,661 |
| Total risk-based capital ratio | 14.4366% | 3,791 |
| Memoranda: | ||
| Average total assets | $126,356,000 | 3,864 |
| Average earning assets | $111,650,330 | 3,950 |
| Average equity | $12,224,670 | 4,153 |
| Average total loans | $92,974,330 | 3,513 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 2,317 |
| Cost of funding earning assets | 0.6665% | 994 |
| Net interest margin | 3.5196% | 3,201 |
| Noninterest income to average assets | 0.3991% | 3,666 |
| Noninterest expense to average assets | 2.4693% | 3,907 |
| Loan and lease loss provision to assets | 0.1395% | 1,360 |
| Net operating income to assets | 0.6360% | 3,998 |
| Return on assets (ROA) | 0.6360% | 4,043 |
| Pretax return on assets | 0.9605% | 3,544 |
| Return on Equity (ROE) | 6.4620% | 3,685 |
| Retained earnings to average equity (ytd only) | 2.2419% | 4,244 |
| Net charge-offs to loans | -0.0432% | 5,116 |
| Credit loss provision to net charge-offs | -430.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1818% | 3,008 |
| Assets per employee ($millions) | 4.9213% | 2,548 |
| Cash dividends to net income (ytd only)* | 65.3061% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,890 |
| Loan loss allowance to noncurrent loans | 186.4312% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 2,882 |
| Noncurrent loans to loans | 0.5732% | 3,087 |
| Net loans and leases to total assets | 72.5737% | 1,994 |
| Net loans and leases to deposits | 86.0964% | 2,023 |
| Net loans and leases to core deposits | 89.4287% | 2,407 |
| Total domestic deposits to total assets | 84.2936% | 3,364 |
| Equity capital to assets | 9.5300% | 4,256 |
| Core capital (leverage) ratio | 10.4803% | 2,929 |
| Tier 1 risk-based capital ratio | 13.6550% | 3,679 |
| Total risk-based capital ratio | 14.7412% | 3,695 |
| Memoranda: | ||
| Average total assets | $123,274,000 | 3,945 |
| Average earning assets | $111,035,000 | 3,997 |
| Average equity | $12,132,500 | 4,194 |
| Average total loans | $92,555,500 | 3,543 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,119 |
| Cost of funding earning assets | 0.5100% | 2,014 |
| Net interest margin | 3.7956% | 2,331 |
| Noninterest income to average assets | 0.4486% | 3,555 |
| Noninterest expense to average assets | 2.5380% | 3,883 |
| Loan and lease loss provision to assets | 0.2436% | 865 |
| Net operating income to assets | 0.7486% | 3,539 |
| Return on assets (ROA) | 0.7737% | 3,535 |
| Pretax return on assets | 1.1946% | 2,695 |
| Return on Equity (ROE) | 7.7431% | 3,089 |
| Retained earnings to average equity (ytd only) | 3.4554% | 3,468 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4549% | 3,859 |
| Assets per employee ($millions) | 4.5613% | 3,029 |
| Cash dividends to net income (ytd only)* | 55.3746% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 4,067 |
| Loan loss allowance to noncurrent loans | 399.1597% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 3,744 |
| Noncurrent loans to loans | 0.2608% | 4,217 |
| Net loans and leases to total assets | 76.1396% | 1,495 |
| Net loans and leases to deposits | 91.7970% | 1,481 |
| Net loans and leases to core deposits | 97.5182% | 1,801 |
| Total domestic deposits to total assets | 82.9435% | 3,788 |
| Equity capital to assets | 10.1784% | 3,510 |
| Core capital (leverage) ratio | 10.8570% | 2,481 |
| Tier 1 risk-based capital ratio | 13.9251% | 3,507 |
| Total risk-based capital ratio | 14.9801% | 3,533 |
| Memoranda: | ||
| Average total assets | $119,031,400 | 4,013 |
| Average earning assets | $109,415,400 | 4,016 |
| Average equity | $11,894,400 | 4,262 |
| Average total loans | $86,263,600 | 3,658 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,061 |
| Cost of funding earning assets | 0.4959% | 2,129 |
| Net interest margin | 3.8381% | 2,199 |
| Noninterest income to average assets | 0.4376% | 3,647 |
| Noninterest expense to average assets | 2.5347% | 3,884 |
| Loan and lease loss provision to assets | 0.2910% | 591 |
| Net operating income to assets | 0.7421% | 3,636 |
| Return on assets (ROA) | 0.7755% | 3,626 |
| Pretax return on assets | 1.1974% | 2,849 |
| Return on Equity (ROE) | 7.7971% | 3,121 |
| Retained earnings to average equity (ytd only) | 3.4879% | 3,807 |
| Net charge-offs to loans | -0.0016% | 4,466 |
| Credit loss provision to net charge-offs | -26,000.0000% | 5,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8208% | 3,957 |
| Assets per employee ($millions) | 4.6743% | 2,791 |
| Cash dividends to net income (ytd only)* | 55.2663% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 4,252 |
| Loan loss allowance to noncurrent loans | 300.9804% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 3,636 |
| Noncurrent loans to loans | 0.3420% | 4,031 |
| Net loans and leases to total assets | 75.7800% | 1,555 |
| Net loans and leases to deposits | 92.2333% | 1,466 |
| Net loans and leases to core deposits | 102.6522% | 1,437 |
| Total domestic deposits to total assets | 82.1613% | 3,896 |
| Equity capital to assets | 10.3082% | 3,792 |
| Core capital (leverage) ratio | 10.8536% | 2,622 |
| Tier 1 risk-based capital ratio | 14.1386% | 3,485 |
| Total risk-based capital ratio | 15.1854% | 3,516 |
| Memoranda: | ||
| Average total assets | $119,140,750 | 4,033 |
| Average earning assets | $109,704,250 | 4,032 |
| Average equity | $11,850,250 | 4,306 |
| Average total loans | $85,017,750 | 3,704 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 1,687 |
| Cost of funding earning assets | 0.4922% | 2,169 |
| Net interest margin | 3.9541% | 1,793 |
| Noninterest income to average assets | 0.4387% | 3,604 |
| Noninterest expense to average assets | 2.5287% | 3,955 |
| Loan and lease loss provision to assets | 0.4337% | 332 |
| Net operating income to assets | 0.7174% | 3,709 |
| Return on assets (ROA) | 0.7673% | 3,609 |
| Pretax return on assets | 1.1843% | 2,845 |
| Return on Equity (ROE) | 7.8065% | 3,085 |
| Retained earnings to average equity (ytd only) | 3.4790% | 3,680 |
| Net charge-offs to loans | -0.0048% | 4,513 |
| Credit loss provision to net charge-offs | -13,000.0000% | 5,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1311% | 4,334 |
| Assets per employee ($millions) | 4.6950% | 2,727 |
| Cash dividends to net income (ytd only)* | 55.4348% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,989 |
| Loan loss allowance to noncurrent loans | 301.3072% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 3,657 |
| Noncurrent loans to loans | 0.3622% | 4,070 |
| Net loans and leases to total assets | 71.1981% | 2,299 |
| Net loans and leases to deposits | 85.1145% | 2,340 |
| Net loans and leases to core deposits | 95.9471% | 1,976 |
| Total domestic deposits to total assets | 83.6497% | 3,399 |
| Equity capital to assets | 10.2118% | 3,959 |
| Core capital (leverage) ratio | 10.2627% | 3,254 |
| Tier 1 risk-based capital ratio | 14.6446% | 3,233 |
| Total risk-based capital ratio | 15.7392% | 3,255 |
| Memoranda: | ||
| Average total assets | $119,901,670 | 4,046 |
| Average earning assets | $110,114,670 | 4,053 |
| Average equity | $11,785,000 | 4,353 |
| Average total loans | $83,531,670 | 3,765 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 2,895 |
| Cost of funding earning assets | 0.4675% | 2,400 |
| Net interest margin | 3.6196% | 3,006 |
| Noninterest income to average assets | 0.4391% | 3,550 |
| Noninterest expense to average assets | 2.4760% | 4,143 |
| Loan and lease loss provision to assets | 0.5942% | 185 |
| Net operating income to assets | 0.5084% | 4,596 |
| Return on assets (ROA) | 0.5084% | 4,701 |
| Pretax return on assets | 0.7428% | 4,386 |
| Return on Equity (ROE) | 5.2719% | 4,354 |
| Retained earnings to average equity (ytd only) | 0.9243% | 4,868 |
| Net charge-offs to loans | 0.0048% | 2,955 |
| Credit loss provision to net charge-offs | 18,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 150 |
| Efficiency ratio | 64.9351% | 3,988 |
| Assets per employee ($millions) | 4.7781% | 2,629 |
| Cash dividends to net income (ytd only)* | 82.4675% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 4,696 |
| Loan loss allowance to noncurrent loans | 341.0569% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 3,955 |
| Noncurrent loans to loans | 0.2887% | 4,399 |
| Net loans and leases to total assets | 70.6387% | 2,248 |
| Net loans and leases to deposits | 87.0696% | 1,934 |
| Net loans and leases to core deposits | 100.6621% | 1,432 |
| Total domestic deposits to total assets | 81.1290% | 4,459 |
| Equity capital to assets | 9.8625% | 4,262 |
| Core capital (leverage) ratio | 10.3302% | 3,154 |
| Tier 1 risk-based capital ratio | 14.1761% | 3,584 |
| Total risk-based capital ratio | 15.1545% | 3,682 |
| Memoranda: | ||
| Average total assets | $121,165,500 | 4,052 |
| Average earning assets | $112,939,500 | 4,020 |
| Average equity | $11,684,500 | 4,386 |
| Average total loans | $83,052,500 | 3,782 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 3,746 |
| Cost of funding earning assets | 0.6540% | 1,052 |
| Net interest margin | 3.2345% | 4,516 |
| Noninterest income to average assets | 0.4366% | 3,772 |
| Noninterest expense to average assets | 2.7092% | 3,551 |
| Loan and lease loss provision to assets | 0.1964% | 1,104 |
| Net operating income to assets | 0.3704% | 5,142 |
| Return on assets (ROA) | 0.3937% | 5,152 |
| Pretax return on assets | 0.5707% | 4,933 |
| Return on Equity (ROE) | 4.5584% | 4,713 |
| Retained earnings to average equity (ytd only) | 1.5715% | 4,826 |
| Net charge-offs to loans | 0.4907% | 545 |
| Credit loss provision to net charge-offs | 62.2995% | 3,237 |
| Earnings coverage of net charge-offs (x) | 2.3262% | 3,931 |
| Efficiency ratio | 78.6974% | 1,861 |
| Assets per employee ($millions) | 4.9151% | 2,455 |
| Cash dividends to net income (ytd only)* | 65.5246% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 5,368 |
| Loan loss allowance to noncurrent loans | 201.2195% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 3,755 |
| Noncurrent loans to loans | 0.4055% | 4,004 |
| Net loans and leases to total assets | 65.2891% | 3,084 |
| Net loans and leases to deposits | 75.5331% | 3,316 |
| Net loans and leases to core deposits | 75.8904% | 3,767 |
| Total domestic deposits to total assets | 86.4378% | 2,417 |
| Equity capital to assets | 9.4305% | 4,637 |
| Core capital (leverage) ratio | 10.0089% | 3,495 |
| Tier 1 risk-based capital ratio | 14.6539% | 3,350 |
| Total risk-based capital ratio | 15.4547% | 3,518 |
| Memoranda: | ||
| Average total assets | $118,631,400 | 4,086 |
| Average earning assets | $110,249,000 | 4,062 |
| Average equity | $10,244,800 | 4,611 |
| Average total loans | $76,217,800 | 3,933 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 3,907 |
| Cost of funding earning assets | 0.6534% | 1,072 |
| Net interest margin | 3.2036% | 4,659 |
| Noninterest income to average assets | 0.4253% | 3,900 |
| Noninterest expense to average assets | 2.5607% | 4,014 |
| Loan and lease loss provision to assets | 0.2211% | 851 |
| Net operating income to assets | 0.4182% | 5,093 |
| Return on assets (ROA) | 0.4491% | 5,060 |
| Pretax return on assets | 0.6634% | 4,794 |
| Return on Equity (ROE) | 5.3284% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.2336% | 4,766 |
| Net charge-offs to loans | 0.3144% | 847 |
| Credit loss provision to net charge-offs | 110.1695% | 2,115 |
| Earnings coverage of net charge-offs (x) | 4.1809% | 3,387 |
| Efficiency ratio | 75.3169% | 2,348 |
| Assets per employee ($millions) | 4.7947% | 2,566 |
| Cash dividends to net income (ytd only)* | 58.0806% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 4,628 |
| Loan loss allowance to noncurrent loans | 184.4595% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 3,556 |
| Noncurrent loans to loans | 0.5546% | 3,668 |
| Net loans and leases to total assets | 66.1033% | 2,993 |
| Net loans and leases to deposits | 81.6353% | 2,691 |
| Net loans and leases to core deposits | 81.6353% | 3,292 |
| Total domestic deposits to total assets | 80.9739% | 4,480 |
| Equity capital to assets | 8.3901% | 5,769 |
| Core capital (leverage) ratio | 8.9200% | 5,091 |
| Tier 1 risk-based capital ratio | 12.8851% | 4,498 |
| Total risk-based capital ratio | 13.9014% | 4,555 |
| Memoranda: | ||
| Average total assets | $117,569,750 | 4,151 |
| Average earning assets | $109,165,250 | 4,127 |
| Average equity | $9,909,000 | 4,729 |
| Average total loans | $75,050,750 | 4,002 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 4,152 |
| Cost of funding earning assets | 0.6427% | 1,143 |
| Net interest margin | 3.1324% | 4,875 |
| Noninterest income to average assets | 0.3733% | 4,271 |
| Noninterest expense to average assets | 2.5119% | 4,205 |
| Loan and lease loss provision to assets | 0.2705% | 608 |
| Net operating income to assets | 0.3442% | 5,312 |
| Return on assets (ROA) | 0.3921% | 5,265 |
| Pretax return on assets | 0.5633% | 5,067 |
| Return on Equity (ROE) | 4.6452% | 4,774 |
| Retained earnings to average equity (ytd only) | 1.5416% | 4,927 |
| Net charge-offs to loans | 0.4824% | 523 |
| Credit loss provision to net charge-offs | 89.2655% | 2,212 |
| Earnings coverage of net charge-offs (x) | 2.5254% | 3,326 |
| Efficiency ratio | 76.6458% | 2,259 |
| Assets per employee ($millions) | 4.3793% | 3,171 |
| Cash dividends to net income (ytd only)* | 66.8122% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 4,632 |
| Loan loss allowance to noncurrent loans | 173.0088% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 3,492 |
| Noncurrent loans to loans | 0.6040% | 3,658 |
| Net loans and leases to total assets | 62.6331% | 3,462 |
| Net loans and leases to deposits | 74.2362% | 3,466 |
| Net loans and leases to core deposits | 74.4227% | 3,916 |
| Total domestic deposits to total assets | 84.3701% | 3,412 |
| Equity capital to assets | 8.2831% | 5,842 |
| Core capital (leverage) ratio | 8.6341% | 5,391 |
| Tier 1 risk-based capital ratio | 13.9662% | 3,952 |
| Total risk-based capital ratio | 15.0274% | 3,986 |
| Memoranda: | ||
| Average total assets | $116,804,000 | 4,208 |
| Average earning assets | $108,288,670 | 4,178 |
| Average equity | $9,859,670 | 4,772 |
| Average total loans | $73,382,670 | 4,075 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,036 |
| Cost of funding earning assets | 0.6187% | 1,313 |
| Net interest margin | 3.1748% | 4,694 |
| Noninterest income to average assets | 0.3101% | 4,709 |
| Noninterest expense to average assets | 2.5843% | 3,992 |
| Loan and lease loss provision to assets | 0.1275% | 1,627 |
| Net operating income to assets | 0.3673% | 5,193 |
| Return on assets (ROA) | 0.4583% | 4,959 |
| Pretax return on assets | 0.6891% | 4,622 |
| Return on Equity (ROE) | 5.3778% | 4,341 |
| Retained earnings to average equity (ytd only) | 2.2643% | 4,551 |
| Net charge-offs to loans | 1.0130% | 236 |
| Credit loss provision to net charge-offs | 20.1087% | 2,358 |
| Earnings coverage of net charge-offs (x) | 1.0707% | 2,971 |
| Efficiency ratio | 79.1975% | 2,001 |
| Assets per employee ($millions) | 4.4751% | 3,090 |
| Cash dividends to net income (ytd only)* | 57.8947% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 5,458 |
| Loan loss allowance to noncurrent loans | 72.1854% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 2,532 |
| Noncurrent loans to loans | 1.2358% | 2,312 |
| Net loans and leases to total assets | 62.4476% | 3,295 |
| Net loans and leases to deposits | 74.4099% | 3,252 |
| Net loans and leases to core deposits | 74.4099% | 3,744 |
| Total domestic deposits to total assets | 83.9238% | 3,847 |
| Equity capital to assets | 8.5508% | 5,705 |
| Core capital (leverage) ratio | 9.3166% | 4,543 |
| Tier 1 risk-based capital ratio | 14.8589% | 3,505 |
| Total risk-based capital ratio | 15.7612% | 3,641 |
| Memoranda: | ||
| Average total assets | $116,085,500 | 4,255 |
| Average earning assets | $107,975,000 | 4,216 |
| Average equity | $9,892,500 | 4,806 |
| Average total loans | $72,654,000 | 4,110 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 2,865 |
| Cost of funding earning assets | 0.6108% | 1,673 |
| Net interest margin | 3.6149% | 3,358 |
| Noninterest income to average assets | 0.5959% | 2,883 |
| Noninterest expense to average assets | 2.8706% | 3,240 |
| Loan and lease loss provision to assets | 0.0477% | 3,618 |
| Net operating income to assets | 0.7557% | 3,597 |
| Return on assets (ROA) | 0.7789% | 3,567 |
| Pretax return on assets | 1.0258% | 3,400 |
| Return on Equity (ROE) | 8.6087% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.0261% | 2,583 |
| Net charge-offs to loans | -0.0099% | 5,558 |
| Credit loss provision to net charge-offs | -714.2857% | 5,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3496% | 2,955 |
| Assets per employee ($millions) | 4.4546% | 3,110 |
| Cash dividends to net income (ytd only)* | 41.6157% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 4,480 |
| Loan loss allowance to noncurrent loans | 183.7156% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 3,565 |
| Noncurrent loans to loans | 0.6056% | 3,857 |
| Net loans and leases to total assets | 61.4701% | 3,577 |
| Net loans and leases to deposits | 73.2471% | 3,521 |
| Net loans and leases to core deposits | 73.2471% | 3,996 |
| Total domestic deposits to total assets | 83.9215% | 3,750 |
| Equity capital to assets | 8.4926% | 5,761 |
| Core capital (leverage) ratio | 8.7563% | 5,285 |
| Tier 1 risk-based capital ratio | 14.3932% | 3,837 |
| Total risk-based capital ratio | 15.5159% | 3,851 |
| Memoranda: | ||
| Average total assets | $104,889,600 | 4,481 |
| Average earning assets | $96,268,400 | 4,500 |
| Average equity | $9,490,400 | 4,865 |
| Average total loans | $70,367,800 | 4,175 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 2,732 |
| Cost of funding earning assets | 0.5959% | 1,874 |
| Net interest margin | 3.6781% | 3,111 |
| Noninterest income to average assets | 0.5573% | 3,151 |
| Noninterest expense to average assets | 2.9379% | 2,999 |
| Loan and lease loss provision to assets | 0.0261% | 3,883 |
| Net operating income to assets | 0.7556% | 3,642 |
| Return on assets (ROA) | 0.7896% | 3,577 |
| Pretax return on assets | 1.0037% | 3,577 |
| Return on Equity (ROE) | 8.5777% | 2,916 |
| Retained earnings to average equity (ytd only) | 4.8348% | 3,193 |
| Net charge-offs to loans | 0.0210% | 4,105 |
| Credit loss provision to net charge-offs | 181.8182% | 1,374 |
| Earnings coverage of net charge-offs (x) | 68.7096% | 786 |
| Efficiency ratio | 74.8587% | 2,685 |
| Assets per employee ($millions) | 4.2842% | 3,318 |
| Cash dividends to net income (ytd only)* | 43.6360% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 4,992 |
| Loan loss allowance to noncurrent loans | 157.5314% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 3,392 |
| Noncurrent loans to loans | 0.6660% | 3,945 |
| Net loans and leases to total assets | 61.3955% | 3,574 |
| Net loans and leases to deposits | 72.3330% | 3,652 |
| Net loans and leases to core deposits | 72.3330% | 4,120 |
| Total domestic deposits to total assets | 84.8789% | 3,389 |
| Equity capital to assets | 8.4315% | 5,850 |
| Core capital (leverage) ratio | 9.3799% | 4,535 |
| Tier 1 risk-based capital ratio | 14.3249% | 4,011 |
| Total risk-based capital ratio | 15.3894% | 4,049 |
| Memoranda: | ||
| Average total assets | $102,157,250 | 4,595 |
| Average earning assets | $93,524,000 | 4,609 |
| Average equity | $9,404,000 | 4,922 |
| Average total loans | $69,961,000 | 4,223 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 2,193 |
| Cost of funding earning assets | 0.6069% | 1,849 |
| Net interest margin | 3.7877% | 2,610 |
| Noninterest income to average assets | 0.5489% | 3,130 |
| Noninterest expense to average assets | 3.1254% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6217% | 4,240 |
| Return on assets (ROA) | 0.6697% | 4,093 |
| Pretax return on assets | 0.9421% | 3,715 |
| Return on Equity (ROE) | 7.0416% | 3,603 |
| Retained earnings to average equity (ytd only) | 3.0147% | 4,290 |
| Net charge-offs to loans | 0.0288% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 42.7000% | 1,013 |
| Efficiency ratio | 78.1362% | 2,271 |
| Assets per employee ($millions) | 3.8147% | 4,225 |
| Cash dividends to net income (ytd only)* | 57.1865% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 5,251 |
| Loan loss allowance to noncurrent loans | 73,400.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 4,232 |
| Noncurrent loans to loans | 0.0014% | 6,114 |
| Net loans and leases to total assets | 68.9551% | 2,244 |
| Net loans and leases to deposits | 82.9656% | 2,140 |
| Net loans and leases to core deposits | 83.9383% | 2,745 |
| Total domestic deposits to total assets | 83.1129% | 4,260 |
| Equity capital to assets | 9.2693% | 5,014 |
| Core capital (leverage) ratio | 9.7654% | 3,938 |
| Tier 1 risk-based capital ratio | 14.3375% | 4,037 |
| Total risk-based capital ratio | 15.3971% | 4,094 |
| Memoranda: | ||
| Average total assets | $97,652,000 | 4,742 |
| Average earning assets | $88,971,330 | 4,752 |
| Average equity | $9,287,670 | 4,964 |
| Average total loans | $69,357,670 | 4,254 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,192 |
| Cost of funding earning assets | 0.5962% | 2,003 |
| Net interest margin | 3.7897% | 2,512 |
| Noninterest income to average assets | 0.5475% | 3,066 |
| Noninterest expense to average assets | 3.2723% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5021% | 4,678 |
| Return on assets (ROA) | 0.5980% | 4,287 |
| Pretax return on assets | 0.8676% | 3,833 |
| Return on Equity (ROE) | 6.2022% | 3,911 |
| Retained earnings to average equity (ytd only) | 1.3540% | 5,070 |
| Net charge-offs to loans | 0.0117% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 86.5000% | 513 |
| Efficiency ratio | 81.7895% | 1,954 |
| Assets per employee ($millions) | 3.8494% | 4,235 |
| Cash dividends to net income (ytd only)* | 78.1690% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,262 |
| Loan loss allowance to noncurrent loans | 74,100.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 4,247 |
| Noncurrent loans to loans | 0.0014% | 6,199 |
| Net loans and leases to total assets | 71.4311% | 1,657 |
| Net loans and leases to deposits | 86.7920% | 1,494 |
| Net loans and leases to core deposits | 87.8929% | 2,107 |
| Total domestic deposits to total assets | 82.3015% | 4,853 |
| Equity capital to assets | 9.5580% | 4,416 |
| Core capital (leverage) ratio | 9.9670% | 3,615 |
| Tier 1 risk-based capital ratio | 13.4627% | 4,716 |
| Total risk-based capital ratio | 14.4994% | 4,797 |
| Memoranda: | ||
| Average total assets | $94,980,000 | 4,842 |
| Average earning assets | $86,551,500 | 4,855 |
| Average equity | $9,158,000 | 5,010 |
| Average total loans | $68,159,000 | 4,325 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 1,945 |
| Cost of funding earning assets | 0.6339% | 2,345 |
| Net interest margin | 3.9421% | 2,129 |
| Noninterest income to average assets | 0.6703% | 2,702 |
| Noninterest expense to average assets | 3.2269% | 2,341 |
| Loan and lease loss provision to assets | 0.0435% | 4,254 |
| Net operating income to assets | 0.6697% | 3,941 |
| Return on assets (ROA) | 0.6989% | 3,890 |
| Pretax return on assets | 1.0135% | 3,297 |
| Return on Equity (ROE) | 6.9809% | 3,564 |
| Retained earnings to average equity (ytd only) | 2.8906% | 4,189 |
| Net charge-offs to loans | -0.2072% | 6,617 |
| Credit loss provision to net charge-offs | -30.6452% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0787% | 2,757 |
| Assets per employee ($millions) | 3.9053% | 4,057 |
| Cash dividends to net income (ytd only)* | 58.5925% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,083 |
| Loan loss allowance to noncurrent loans | 4,650.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 4,269 |
| Noncurrent loans to loans | 0.0239% | 6,190 |
| Net loans and leases to total assets | 70.5162% | 1,933 |
| Net loans and leases to deposits | 86.1257% | 1,671 |
| Net loans and leases to core deposits | 87.2444% | 2,322 |
| Total domestic deposits to total assets | 81.8759% | 4,914 |
| Equity capital to assets | 9.7284% | 4,137 |
| Core capital (leverage) ratio | 10.2235% | 3,261 |
| Tier 1 risk-based capital ratio | 13.7839% | 4,449 |
| Total risk-based capital ratio | 14.8532% | 4,525 |
| Memoranda: | ||
| Average total assets | $87,421,200 | 5,038 |
| Average earning assets | $79,195,600 | 5,059 |
| Average equity | $8,752,400 | 5,153 |
| Average total loans | $59,843,800 | 4,616 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 2,280 |
| Cost of funding earning assets | 0.6511% | 2,352 |
| Net interest margin | 3.8359% | 2,517 |
| Noninterest income to average assets | 0.7113% | 2,546 |
| Noninterest expense to average assets | 3.1560% | 2,487 |
| Loan and lease loss provision to assets | 0.0590% | 3,867 |
| Net operating income to assets | 0.6392% | 4,180 |
| Return on assets (ROA) | 0.6772% | 4,117 |
| Pretax return on assets | 1.0220% | 3,410 |
| Return on Equity (ROE) | 6.7119% | 3,819 |
| Retained earnings to average equity (ytd only) | 2.9095% | 4,585 |
| Net charge-offs to loans | -0.2616% | 6,702 |
| Credit loss provision to net charge-offs | -33.3333% | 5,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5110% | 2,809 |
| Assets per employee ($millions) | 3.7473% | 4,355 |
| Cash dividends to net income (ytd only)* | 56.6521% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 4,978 |
| Loan loss allowance to noncurrent loans | 36,650.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 4,350 |
| Noncurrent loans to loans | 0.0032% | 6,385 |
| Net loans and leases to total assets | 71.3727% | 1,711 |
| Net loans and leases to deposits | 89.0372% | 1,264 |
| Net loans and leases to core deposits | 90.3236% | 1,938 |
| Total domestic deposits to total assets | 80.1606% | 5,463 |
| Equity capital to assets | 10.0676% | 3,809 |
| Core capital (leverage) ratio | 10.9168% | 2,560 |
| Tier 1 risk-based capital ratio | 14.5484% | 4,047 |
| Total risk-based capital ratio | 15.6677% | 4,090 |
| Memoranda: | ||
| Average total assets | $85,845,000 | 5,130 |
| Average earning assets | $77,615,000 | 5,148 |
| Average equity | $8,661,000 | 5,224 |
| Average total loans | $58,095,750 | 4,726 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 2,598 |
| Cost of funding earning assets | 0.6578% | 2,431 |
| Net interest margin | 3.7336% | 2,826 |
| Noninterest income to average assets | 0.6392% | 2,971 |
| Noninterest expense to average assets | 3.1354% | 2,565 |
| Loan and lease loss provision to assets | 0.0886% | 3,305 |
| Net operating income to assets | 0.5563% | 4,520 |
| Return on assets (ROA) | 0.6159% | 4,379 |
| Pretax return on assets | 0.8912% | 3,945 |
| Return on Equity (ROE) | 6.1000% | 4,112 |
| Retained earnings to average equity (ytd only) | 2.2875% | 4,826 |
| Net charge-offs to loans | -0.3103% | 6,764 |
| Credit loss provision to net charge-offs | -43.1818% | 5,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8228% | 2,490 |
| Assets per employee ($millions) | 3.8597% | 4,088 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 4,641 |
| Loan loss allowance to noncurrent loans | 330.8411% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 1.2707% | 3,218 |
| Noncurrent loans to loans | 0.3842% | 5,313 |
| Net loans and leases to total assets | 64.7691% | 2,800 |
| Net loans and leases to deposits | 82.2991% | 2,022 |
| Net loans and leases to core deposits | 83.8371% | 2,584 |
| Total domestic deposits to total assets | 78.6996% | 5,852 |
| Equity capital to assets | 10.1597% | 3,714 |
| Core capital (leverage) ratio | 10.8047% | 2,557 |
| Tier 1 risk-based capital ratio | 15.8863% | 3,268 |
| Total risk-based capital ratio | 17.0644% | 3,256 |
| Memoranda: | ||
| Average total assets | $85,731,000 | 5,166 |
| Average earning assets | $77,833,000 | 5,174 |
| Average equity | $8,655,670 | 5,261 |
| Average total loans | $56,712,000 | 4,796 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 2,535 |
| Cost of funding earning assets | 0.6877% | 2,323 |
| Net interest margin | 3.7088% | 2,817 |
| Noninterest income to average assets | 0.6176% | 3,042 |
| Noninterest expense to average assets | 3.1948% | 2,369 |
| Loan and lease loss provision to assets | 0.1765% | 2,100 |
| Net operating income to assets | 0.4160% | 5,066 |
| Return on assets (ROA) | 0.5294% | 4,684 |
| Pretax return on assets | 0.7987% | 4,174 |
| Return on Equity (ROE) | 5.2595% | 4,424 |
| Retained earnings to average equity (ytd only) | 1.4302% | 5,266 |
| Net charge-offs to loans | -0.4404% | 6,840 |
| Credit loss provision to net charge-offs | -60.3175% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9071% | 2,345 |
| Assets per employee ($millions) | 3.9579% | 4,046 |
| Cash dividends to net income (ytd only)* | 72.8070% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,401 |
| Loan loss allowance to noncurrent loans | 638.3178% | 691 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 3,793 |
| Noncurrent loans to loans | 0.1804% | 5,950 |
| Net loans and leases to total assets | 64.4092% | 2,629 |
| Net loans and leases to deposits | 86.6788% | 1,277 |
| Net loans and leases to core deposits | 88.2801% | 1,875 |
| Total domestic deposits to total assets | 74.3079% | 6,513 |
| Equity capital to assets | 9.5153% | 4,829 |
| Core capital (leverage) ratio | 10.9942% | 2,269 |
| Tier 1 risk-based capital ratio | 14.4869% | 4,186 |
| Total risk-based capital ratio | 15.5428% | 4,261 |
| Memoranda: | ||
| Average total assets | $86,139,500 | 5,193 |
| Average earning assets | $78,517,000 | 5,195 |
| Average equity | $8,670,000 | 5,314 |
| Average total loans | $57,215,000 | 4,808 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 1,293 |
| Cost of funding earning assets | 0.7937% | 2,715 |
| Net interest margin | 4.3153% | 1,372 |
| Noninterest income to average assets | 0.7532% | 2,479 |
| Noninterest expense to average assets | 3.1555% | 2,751 |
| Loan and lease loss provision to assets | 0.1209% | 4,102 |
| Net operating income to assets | 0.9454% | 2,574 |
| Return on assets (ROA) | 0.9454% | 2,827 |
| Pretax return on assets | 1.3879% | 2,083 |
| Return on Equity (ROE) | 9.0757% | 2,607 |
| Retained earnings to average equity (ytd only) | 3.7255% | 3,595 |
| Net charge-offs to loans | 0.0706% | 4,971 |
| Credit loss provision to net charge-offs | 256.4103% | 935 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 965 |
| Efficiency ratio | 67.6516% | 4,208 |
| Assets per employee ($millions) | 3.6930% | 4,581 |
| Cash dividends to net income (ytd only)* | 58.9514% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 5,737 |
| Loan loss allowance to noncurrent loans | 154.7872% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.4462% | 3,213 |
| Noncurrent loans to loans | 0.6822% | 4,834 |
| Net loans and leases to total assets | 67.1188% | 2,342 |
| Net loans and leases to deposits | 88.0557% | 1,265 |
| Net loans and leases to core deposits | 89.4539% | 1,900 |
| Total domestic deposits to total assets | 76.2231% | 6,329 |
| Equity capital to assets | 10.6810% | 3,311 |
| Core capital (leverage) ratio | 10.8028% | 2,439 |
| Tier 1 risk-based capital ratio | 16.0251% | 3,148 |
| Total risk-based capital ratio | 17.0347% | 3,232 |
| Memoranda: | ||
| Average total assets | $82,712,400 | 5,280 |
| Average earning assets | $74,966,400 | 5,280 |
| Average equity | $8,616,400 | 5,329 |
| Average total loans | $55,230,600 | 4,894 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1844% | 1,230 |
| Cost of funding earning assets | 0.8109% | 2,857 |
| Net interest margin | 4.3734% | 1,269 |
| Noninterest income to average assets | 0.7447% | 2,510 |
| Noninterest expense to average assets | 3.1407% | 2,756 |
| Loan and lease loss provision to assets | 0.0754% | 4,710 |
| Net operating income to assets | 1.0191% | 2,412 |
| Return on assets (ROA) | 1.0191% | 2,645 |
| Pretax return on assets | 1.4925% | 1,911 |
| Return on Equity (ROE) | 9.8436% | 2,422 |
| Retained earnings to average equity (ytd only) | 4.7125% | 3,587 |
| Net charge-offs to loans | 0.0096% | 5,577 |
| Credit loss provision to net charge-offs | 1,175.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 244.3959% | 187 |
| Efficiency ratio | 66.7007% | 4,311 |
| Assets per employee ($millions) | 3.7579% | 4,410 |
| Cash dividends to net income (ytd only)* | 52.1254% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,039 |
| Loan loss allowance to noncurrent loans | 56.9697% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.6765% | 3,069 |
| Noncurrent loans to loans | 1.7736% | 3,120 |
| Net loans and leases to total assets | 66.8360% | 2,493 |
| Net loans and leases to deposits | 87.4083% | 1,428 |
| Net loans and leases to core deposits | 89.4863% | 2,051 |
| Total domestic deposits to total assets | 76.4642% | 6,323 |
| Equity capital to assets | 10.5825% | 3,751 |
| Core capital (leverage) ratio | 11.1419% | 2,261 |
| Tier 1 risk-based capital ratio | 16.4265% | 3,041 |
| Total risk-based capital ratio | 17.4312% | 3,145 |
| Memoranda: | ||
| Average total assets | $83,078,750 | 5,320 |
| Average earning assets | $75,301,000 | 5,314 |
| Average equity | $8,601,000 | 5,381 |
| Average total loans | $55,259,750 | 4,942 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 1,179 |
| Cost of funding earning assets | 0.8278% | 2,972 |
| Net interest margin | 4.4042% | 1,193 |
| Noninterest income to average assets | 0.7643% | 2,354 |
| Noninterest expense to average assets | 3.0548% | 3,069 |
| Loan and lease loss provision to assets | 0.0889% | 4,457 |
| Net operating income to assets | 1.1008% | 2,043 |
| Return on assets (ROA) | 1.1008% | 2,267 |
| Pretax return on assets | 1.6103% | 1,517 |
| Return on Equity (ROE) | 10.7114% | 2,091 |
| Retained earnings to average equity (ytd only) | 5.5428% | 2,969 |
| Net charge-offs to loans | -0.0617% | 6,722 |
| Credit loss provision to net charge-offs | -217.6471% | 6,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2568% | 4,853 |
| Assets per employee ($millions) | 3.8278% | 4,252 |
| Cash dividends to net income (ytd only)* | 48.2533% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 5,949 |
| Loan loss allowance to noncurrent loans | 47.7972% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 1.9046% | 2,900 |
| Noncurrent loans to loans | 2.2004% | 2,715 |
| Net loans and leases to total assets | 67.2991% | 2,407 |
| Net loans and leases to deposits | 88.6284% | 1,302 |
| Net loans and leases to core deposits | 91.1860% | 1,848 |
| Total domestic deposits to total assets | 75.9340% | 6,473 |
| Equity capital to assets | 10.8020% | 3,338 |
| Core capital (leverage) ratio | 10.6275% | 2,691 |
| Tier 1 risk-based capital ratio | 16.1866% | 3,076 |
| Total risk-based capital ratio | 17.2033% | 3,154 |
| Memoranda: | ||
| Average total assets | $83,213,670 | 5,345 |
| Average earning assets | $75,382,000 | 5,344 |
| Average equity | $8,551,670 | 5,400 |
| Average total loans | $55,073,000 | 4,984 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 2,183 |
| Cost of funding earning assets | 0.8435% | 3,115 |
| Net interest margin | 4.0717% | 2,207 |
| Noninterest income to average assets | 0.7326% | 2,484 |
| Noninterest expense to average assets | 3.0391% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9642% | 2,619 |
| Return on assets (ROA) | 0.9642% | 2,817 |
| Pretax return on assets | 1.3896% | 2,221 |
| Return on Equity (ROE) | 9.6158% | 2,555 |
| Retained earnings to average equity (ytd only) | 4.3837% | 3,966 |
| Net charge-offs to loans | -0.1086% | 6,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6233% | 4,048 |
| Assets per employee ($millions) | 4.1622% | 3,663 |
| Cash dividends to net income (ytd only)* | 54.4118% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 6,358 |
| Loan loss allowance to noncurrent loans | 44.2609% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 1.7607% | 3,226 |
| Noncurrent loans to loans | 2.1911% | 2,924 |
| Net loans and leases to total assets | 62.6193% | 3,140 |
| Net loans and leases to deposits | 80.0588% | 2,195 |
| Net loans and leases to core deposits | 82.1151% | 2,818 |
| Total domestic deposits to total assets | 78.2166% | 6,237 |
| Equity capital to assets | 9.7613% | 4,437 |
| Core capital (leverage) ratio | 10.9675% | 2,284 |
| Tier 1 risk-based capital ratio | 15.6173% | 3,384 |
| Total risk-based capital ratio | 16.5462% | 3,514 |
| Memoranda: | ||
| Average total assets | $84,629,000 | 5,351 |
| Average earning assets | $76,822,500 | 5,333 |
| Average equity | $8,486,000 | 5,435 |
| Average total loans | $55,273,500 | 5,006 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1712% | 2,180 |
| Cost of funding earning assets | 1.2166% | 1,918 |
| Net interest margin | 3.9546% | 3,085 |
| Noninterest income to average assets | 0.7032% | 2,584 |
| Noninterest expense to average assets | 3.2291% | 2,772 |
| Loan and lease loss provision to assets | 0.0917% | 5,447 |
| Net operating income to assets | 0.6912% | 3,535 |
| Return on assets (ROA) | 0.6912% | 3,718 |
| Pretax return on assets | 0.9505% | 3,424 |
| Return on Equity (ROE) | 6.6447% | 3,569 |
| Retained earnings to average equity (ytd only) | 2.1337% | 4,696 |
| Net charge-offs to loans | 0.1843% | 4,671 |
| Credit loss provision to net charge-offs | 73.0769% | 4,732 |
| Earnings coverage of net charge-offs (x) | 8.3077% | 2,167 |
| Efficiency ratio | 75.6001% | 2,957 |
| Assets per employee ($millions) | 3.7205% | 4,509 |
| Cash dividends to net income (ytd only)* | 67.8883% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,424 |
| Loan loss allowance to noncurrent loans | 31.9240% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 2.5424% | 2,387 |
| Noncurrent loans to loans | 2.9523% | 2,202 |
| Net loans and leases to total assets | 66.8976% | 2,609 |
| Net loans and leases to deposits | 87.1455% | 1,496 |
| Net loans and leases to core deposits | 89.2069% | 2,230 |
| Total domestic deposits to total assets | 76.7654% | 6,369 |
| Equity capital to assets | 10.3113% | 3,766 |
| Core capital (leverage) ratio | 10.6079% | 2,614 |
| Tier 1 risk-based capital ratio | 15.4704% | 3,347 |
| Total risk-based capital ratio | 16.3743% | 3,531 |
| Memoranda: | ||
| Average total assets | $82,902,400 | 5,369 |
| Average earning assets | $74,798,400 | 5,381 |
| Average equity | $8,623,400 | 5,376 |
| Average total loans | $56,436,600 | 5,009 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2187% | 2,138 |
| Cost of funding earning assets | 1.3047% | 1,674 |
| Net interest margin | 3.9140% | 3,313 |
| Noninterest income to average assets | 0.6974% | 2,628 |
| Noninterest expense to average assets | 3.1407% | 3,024 |
| Loan and lease loss provision to assets | 0.1218% | 4,911 |
| Net operating income to assets | 0.7920% | 3,203 |
| Return on assets (ROA) | 0.7920% | 3,370 |
| Pretax return on assets | 0.9651% | 3,539 |
| Return on Equity (ROE) | 7.5975% | 3,228 |
| Retained earnings to average equity (ytd only) | 3.3220% | 4,360 |
| Net charge-offs to loans | 0.2303% | 3,992 |
| Credit loss provision to net charge-offs | 77.5510% | 4,227 |
| Earnings coverage of net charge-offs (x) | 6.9186% | 2,454 |
| Efficiency ratio | 74.2890% | 3,126 |
| Assets per employee ($millions) | 3.6111% | 4,734 |
| Cash dividends to net income (ytd only)* | 56.2757% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 6,473 |
| Loan loss allowance to noncurrent loans | 34.0659% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 2.7881% | 2,331 |
| Noncurrent loans to loans | 2.7691% | 2,515 |
| Net loans and leases to total assets | 69.6583% | 2,146 |
| Net loans and leases to deposits | 91.1787% | 1,089 |
| Net loans and leases to core deposits | 95.3448% | 1,668 |
| Total domestic deposits to total assets | 76.3975% | 6,473 |
| Equity capital to assets | 11.1536% | 2,999 |
| Core capital (leverage) ratio | 11.1975% | 2,234 |
| Tier 1 risk-based capital ratio | 15.6435% | 3,314 |
| Total risk-based capital ratio | 16.5626% | 3,453 |
| Memoranda: | ||
| Average total assets | $83,165,000 | 5,403 |
| Average earning assets | $75,010,500 | 5,420 |
| Average equity | $8,669,250 | 5,394 |
| Average total loans | $56,726,250 | 5,049 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2214% | 2,181 |
| Cost of funding earning assets | 1.4174% | 1,341 |
| Net interest margin | 3.8041% | 3,762 |
| Noninterest income to average assets | 0.6445% | 2,884 |
| Noninterest expense to average assets | 3.1396% | 3,115 |
| Loan and lease loss provision to assets | 0.0640% | 5,503 |
| Net operating income to assets | 0.7274% | 3,401 |
| Return on assets (ROA) | 0.7274% | 3,519 |
| Pretax return on assets | 0.8815% | 3,700 |
| Return on Equity (ROE) | 7.1351% | 3,385 |
| Retained earnings to average equity (ytd only) | 2.3706% | 4,781 |
| Net charge-offs to loans | 0.2315% | 3,736 |
| Credit loss provision to net charge-offs | 40.9091% | 4,804 |
| Earnings coverage of net charge-offs (x) | 6.0455% | 2,485 |
| Efficiency ratio | 76.8561% | 2,882 |
| Assets per employee ($millions) | 3.6195% | 4,638 |
| Cash dividends to net income (ytd only)* | 66.7752% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 6,615 |
| Loan loss allowance to noncurrent loans | 30.3933% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 2.5819% | 2,582 |
| Noncurrent loans to loans | 3.0109% | 2,412 |
| Net loans and leases to total assets | 69.3457% | 2,353 |
| Net loans and leases to deposits | 89.6341% | 1,316 |
| Net loans and leases to core deposits | 93.8126% | 1,918 |
| Total domestic deposits to total assets | 77.3653% | 6,403 |
| Equity capital to assets | 10.9117% | 3,050 |
| Core capital (leverage) ratio | 10.3570% | 2,872 |
| Tier 1 risk-based capital ratio | 15.6436% | 3,158 |
| Total risk-based capital ratio | 16.5445% | 3,309 |
| Memoranda: | ||
| Average total assets | $84,405,000 | 5,414 |
| Average earning assets | $76,339,330 | 5,423 |
| Average equity | $8,605,330 | 5,431 |
| Average total loans | $57,012,670 | 5,083 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 2,937 |
| Cost of funding earning assets | 1.5213% | 1,089 |
| Net interest margin | 3.5122% | 4,953 |
| Noninterest income to average assets | 0.4563% | 4,222 |
| Noninterest expense to average assets | 2.9035% | 4,047 |
| Loan and lease loss provision to assets | 0.0415% | 5,468 |
| Net operating income to assets | 0.5715% | 4,169 |
| Return on assets (ROA) | 0.5715% | 4,246 |
| Pretax return on assets | 0.6821% | 4,376 |
| Return on Equity (ROE) | 5.7920% | 4,023 |
| Retained earnings to average equity (ytd only) | -0.4204% | 5,869 |
| Net charge-offs to loans | 0.0902% | 4,043 |
| Credit loss provision to net charge-offs | 69.2308% | 3,365 |
| Earnings coverage of net charge-offs (x) | 12.0769% | 1,516 |
| Efficiency ratio | 80.0508% | 2,521 |
| Assets per employee ($millions) | 3.9209% | 4,020 |
| Cash dividends to net income (ytd only)* | 107.2581% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 6,595 |
| Loan loss allowance to noncurrent loans | 44.4898% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 1.8584% | 3,483 |
| Noncurrent loans to loans | 2.1077% | 3,435 |
| Net loans and leases to total assets | 66.7455% | 2,825 |
| Net loans and leases to deposits | 89.9987% | 1,230 |
| Net loans and leases to core deposits | 94.0321% | 1,877 |
| Total domestic deposits to total assets | 74.1627% | 6,884 |
| Equity capital to assets | 9.9213% | 3,872 |
| Core capital (leverage) ratio | 9.9687% | 3,178 |
| Tier 1 risk-based capital ratio | 14.7271% | 3,595 |
| Total risk-based capital ratio | 15.6448% | 3,772 |
| Memoranda: | ||
| Average total assets | $86,792,500 | 5,383 |
| Average earning assets | $78,355,500 | 5,406 |
| Average equity | $8,563,500 | 5,443 |
| Average total loans | $57,654,000 | 5,103 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 3,423 |
| Cost of funding earning assets | 1.8022% | 1,167 |
| Net interest margin | 3.4349% | 5,498 |
| Noninterest income to average assets | 0.4393% | 4,597 |
| Noninterest expense to average assets | 2.7572% | 4,752 |
| Loan and lease loss provision to assets | 0.0571% | 6,566 |
| Net operating income to assets | 0.6003% | 3,666 |
| Return on assets (ROA) | 0.6003% | 3,828 |
| Pretax return on assets | 0.7186% | 3,908 |
| Return on Equity (ROE) | 6.8176% | 3,206 |
| Retained earnings to average equity (ytd only) | 2.1231% | 4,398 |
| Net charge-offs to loans | 1.3209% | 1,691 |
| Credit loss provision to net charge-offs | 6.3879% | 6,619 |
| Earnings coverage of net charge-offs (x) | 0.8676% | 5,266 |
| Efficiency ratio | 78.0423% | 2,705 |
| Assets per employee ($millions) | 3.7968% | 4,266 |
| Cash dividends to net income (ytd only)* | 68.8581% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 6,530 |
| Loan loss allowance to noncurrent loans | 39.2704% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.6292% | 2,647 |
| Noncurrent loans to loans | 2.4445% | 3,077 |
| Net loans and leases to total assets | 64.8604% | 3,695 |
| Net loans and leases to deposits | 91.5690% | 1,311 |
| Net loans and leases to core deposits | 95.8976% | 2,027 |
| Total domestic deposits to total assets | 70.8323% | 7,186 |
| Equity capital to assets | 9.8127% | 3,984 |
| Core capital (leverage) ratio | 9.5917% | 3,569 |
| Tier 1 risk-based capital ratio | 14.8360% | 3,348 |
| Total risk-based capital ratio | 15.7663% | 3,492 |
| Memoranda: | ||
| Average total assets | $96,292,200 | 5,098 |
| Average earning assets | $86,727,000 | 5,129 |
| Average equity | $8,478,000 | 5,555 |
| Average total loans | $65,180,800 | 4,860 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 3,670 |
| Cost of funding earning assets | 1.8507% | 1,210 |
| Net interest margin | 3.3819% | 5,741 |
| Noninterest income to average assets | 0.3816% | 5,104 |
| Noninterest expense to average assets | 2.6616% | 5,049 |
| Loan and lease loss provision to assets | 0.0744% | 6,312 |
| Net operating income to assets | 0.6306% | 3,748 |
| Return on assets (ROA) | 0.6306% | 3,915 |
| Pretax return on assets | 0.6969% | 4,239 |
| Return on Equity (ROE) | 7.3483% | 3,175 |
| Retained earnings to average equity (ytd only) | 1.0722% | 5,384 |
| Net charge-offs to loans | 0.8336% | 2,370 |
| Credit loss provision to net charge-offs | 13.0952% | 6,308 |
| Earnings coverage of net charge-offs (x) | 1.3571% | 4,721 |
| Efficiency ratio | 77.5325% | 2,690 |
| Assets per employee ($millions) | 3.9415% | 3,952 |
| Cash dividends to net income (ytd only)* | 85.4069% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,800 |
| Loan loss allowance to noncurrent loans | 51.4821% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 3.1429% | 2,290 |
| Noncurrent loans to loans | 2.9830% | 2,677 |
| Net loans and leases to total assets | 67.1029% | 3,436 |
| Net loans and leases to deposits | 93.5286% | 1,259 |
| Net loans and leases to core deposits | 98.7554% | 1,964 |
| Total domestic deposits to total assets | 71.7459% | 7,158 |
| Equity capital to assets | 8.9878% | 5,598 |
| Core capital (leverage) ratio | 9.3223% | 4,177 |
| Tier 1 risk-based capital ratio | 12.5093% | 4,975 |
| Total risk-based capital ratio | 13.7611% | 4,946 |
| Memoranda: | ||
| Average total assets | $98,533,750 | 5,095 |
| Average earning assets | $88,901,500 | 5,112 |
| Average equity | $8,455,250 | 5,639 |
| Average total loans | $67,178,750 | 4,852 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 4,676 |
| Cost of funding earning assets | 1.9490% | 1,048 |
| Net interest margin | 3.1061% | 6,596 |
| Noninterest income to average assets | 0.5789% | 3,485 |
| Noninterest expense to average assets | 2.7041% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6410% | 3,672 |
| Return on assets (ROA) | 0.6410% | 3,820 |
| Pretax return on assets | 0.6871% | 4,282 |
| Return on Equity (ROE) | 7.5832% | 3,064 |
| Retained earnings to average equity (ytd only) | 1.3034% | 5,228 |
| Net charge-offs to loans | 0.8460% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.1910% | 4,609 |
| Efficiency ratio | 79.7401% | 2,473 |
| Assets per employee ($millions) | 3.8424% | 4,122 |
| Cash dividends to net income (ytd only)* | 82.8125% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 3,157 |
| Loan loss allowance to noncurrent loans | 40.0375% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 3.7249% | 1,874 |
| Noncurrent loans to loans | 4.1921% | 1,777 |
| Net loans and leases to total assets | 67.7796% | 3,430 |
| Net loans and leases to deposits | 95.3780% | 1,105 |
| Net loans and leases to core deposits | 103.6722% | 1,673 |
| Total domestic deposits to total assets | 71.0642% | 7,261 |
| Equity capital to assets | 9.1587% | 5,201 |
| Core capital (leverage) ratio | 8.7977% | 4,918 |
| Tier 1 risk-based capital ratio | 13.3225% | 4,188 |
| Total risk-based capital ratio | 14.5770% | 4,142 |
| Memoranda: | ||
| Average total assets | $99,846,670 | 5,079 |
| Average earning assets | $90,403,330 | 5,079 |
| Average equity | $8,439,670 | 5,651 |
| Average total loans | $68,083,000 | 4,860 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0738% | 4,660 |
| Cost of funding earning assets | 1.9649% | 1,196 |
| Net interest margin | 3.1090% | 6,566 |
| Noninterest income to average assets | 0.5595% | 3,569 |
| Noninterest expense to average assets | 2.6818% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7679% | 3,119 |
| Return on assets (ROA) | 0.7679% | 3,234 |
| Pretax return on assets | 0.6984% | 4,240 |
| Return on Equity (ROE) | 9.4352% | 2,329 |
| Retained earnings to average equity (ytd only) | 3.1293% | 4,267 |
| Net charge-offs to loans | 1.3023% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.7904% | 4,331 |
| Efficiency ratio | 79.3379% | 2,666 |
| Assets per employee ($millions) | 4.2685% | 3,346 |
| Cash dividends to net income (ytd only)* | 66.8342% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 3,328 |
| Loan loss allowance to noncurrent loans | 55.9086% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.7430% | 2,652 |
| Noncurrent loans to loans | 2.9150% | 2,762 |
| Net loans and leases to total assets | 66.3436% | 3,780 |
| Net loans and leases to deposits | 92.0386% | 1,608 |
| Net loans and leases to core deposits | 104.2376% | 1,720 |
| Total domestic deposits to total assets | 72.0823% | 7,256 |
| Equity capital to assets | 8.2552% | 6,364 |
| Core capital (leverage) ratio | 8.6348% | 5,148 |
| Tier 1 risk-based capital ratio | 11.8863% | 5,309 |
| Total risk-based capital ratio | 13.1400% | 5,259 |
| Memoranda: | ||
| Average total assets | $103,661,000 | 5,039 |
| Average earning assets | $94,051,000 | 5,048 |
| Average equity | $8,436,500 | 5,704 |
| Average total loans | $70,338,500 | 4,847 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5415% | 3,921 |
| Cost of funding earning assets | 2.1027% | 2,446 |
| Net interest margin | 3.4388% | 5,222 |
| Noninterest income to average assets | 0.5602% | 3,943 |
| Noninterest expense to average assets | 2.8518% | 4,742 |
| Loan and lease loss provision to assets | 1.4749% | 1,561 |
| Net operating income to assets | -0.3466% | 6,023 |
| Return on assets (ROA) | -0.3545% | 6,024 |
| Pretax return on assets | -0.6755% | 6,163 |
| Return on Equity (ROE) | -4.3954% | 6,150 |
| Retained earnings to average equity (ytd only) | -7.7187% | 6,310 |
| Net charge-offs to loans | 1.4313% | 1,753 |
| Credit loss provision to net charge-offs | 144.5386% | 3,302 |
| Earnings coverage of net charge-offs (x) | 0.7957% | 5,310 |
| Efficiency ratio | 77.8390% | 3,217 |
| Assets per employee ($millions) | 4.1951% | 3,451 |
| Cash dividends to net income (ytd only)* | -75.6098% | 7,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 2,278 |
| Loan loss allowance to noncurrent loans | 75.1942% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 2.2998% | 3,005 |
| Noncurrent loans to loans | 2.5173% | 3,029 |
| Net loans and leases to total assets | 66.9645% | 3,935 |
| Net loans and leases to deposits | 92.0169% | 1,897 |
| Net loans and leases to core deposits | 111.5734% | 2,741 |
| Total domestic deposits to total assets | 72.7741% | 7,176 |
| Equity capital to assets | 8.0246% | 6,556 |
| Core capital (leverage) ratio | 8.1931% | 5,820 |
| Tier 1 risk-based capital ratio | 11.6459% | 5,249 |
| Total risk-based capital ratio | 12.9029% | 5,200 |
| Memoranda: | ||
| Average total assets | $104,076,200 | 4,981 |
| Average earning assets | $93,927,200 | 5,011 |
| Average equity | $8,395,200 | 5,807 |
| Average total loans | $74,200,000 | 4,721 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6265% | 3,713 |
| Cost of funding earning assets | 2.1048% | 2,870 |
| Net interest margin | 3.5217% | 4,777 |
| Noninterest income to average assets | 0.5712% | 3,912 |
| Noninterest expense to average assets | 2.8238% | 4,793 |
| Loan and lease loss provision to assets | 1.9715% | 922 |
| Net operating income to assets | -0.7724% | 6,666 |
| Return on assets (ROA) | -0.7714% | 6,671 |
| Pretax return on assets | -1.0487% | 6,718 |
| Return on Equity (ROE) | -9.5508% | 6,863 |
| Retained earnings to average equity (ytd only) | -13.9845% | 7,075 |
| Net charge-offs to loans | 0.5860% | 2,922 |
| Credit loss provision to net charge-offs | 466.8693% | 837 |
| Earnings coverage of net charge-offs (x) | 2.1824% | 4,189 |
| Efficiency ratio | 75.3941% | 3,612 |
| Assets per employee ($millions) | 4.1682% | 3,431 |
| Cash dividends to net income (ytd only)* | -46.4227% | 7,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7915% | 797 |
| Loan loss allowance to noncurrent loans | 32.1434% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 7.1341% | 663 |
| Noncurrent loans to loans | 8.6847% | 526 |
| Net loans and leases to total assets | 69.8092% | 3,562 |
| Net loans and leases to deposits | 96.0900% | 1,562 |
| Net loans and leases to core deposits | 117.2515% | 2,501 |
| Total domestic deposits to total assets | 72.6498% | 7,127 |
| Equity capital to assets | 7.5765% | 7,242 |
| Core capital (leverage) ratio | 8.2144% | 5,987 |
| Tier 1 risk-based capital ratio | 10.7974% | 6,159 |
| Total risk-based capital ratio | 12.0655% | 6,100 |
| Memoranda: | ||
| Average total assets | $103,875,750 | 5,021 |
| Average earning assets | $93,626,000 | 5,052 |
| Average equity | $8,390,000 | 5,857 |
| Average total loans | $74,853,500 | 4,740 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6736% | 3,696 |
| Cost of funding earning assets | 2.0502% | 3,518 |
| Net interest margin | 3.6235% | 4,268 |
| Noninterest income to average assets | 0.5782% | 3,848 |
| Noninterest expense to average assets | 2.9489% | 4,296 |
| Loan and lease loss provision to assets | 1.8407% | 892 |
| Net operating income to assets | -0.5139% | 6,561 |
| Return on assets (ROA) | -0.5127% | 6,569 |
| Pretax return on assets | -0.9290% | 6,768 |
| Return on Equity (ROE) | -6.2186% | 6,733 |
| Retained earnings to average equity (ytd only) | -12.7411% | 7,099 |
| Net charge-offs to loans | 0.8362% | 2,018 |
| Credit loss provision to net charge-offs | 305.1118% | 1,519 |
| Earnings coverage of net charge-offs (x) | 1.5080% | 4,405 |
| Efficiency ratio | 76.4236% | 3,613 |
| Assets per employee ($millions) | 4.0124% | 3,650 |
| Cash dividends to net income (ytd only)* | -104.8872% | 8,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 1,431 |
| Loan loss allowance to noncurrent loans | 53.1010% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 3.5012% | 1,777 |
| Noncurrent loans to loans | 3.9109% | 1,739 |
| Net loans and leases to total assets | 71.6396% | 3,311 |
| Net loans and leases to deposits | 101.2298% | 1,152 |
| Net loans and leases to core deposits | 124.3894% | 1,987 |
| Total domestic deposits to total assets | 70.7693% | 7,396 |
| Equity capital to assets | 8.1359% | 6,588 |
| Core capital (leverage) ratio | 8.5347% | 5,380 |
| Tier 1 risk-based capital ratio | 11.4819% | 5,403 |
| Total risk-based capital ratio | 12.7414% | 5,308 |
| Memoranda: | ||
| Average total assets | $103,766,330 | 5,049 |
| Average earning assets | $93,943,330 | 5,069 |
| Average equity | $8,555,000 | 5,830 |
| Average total loans | $74,860,330 | 4,779 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6781% | 3,906 |
| Cost of funding earning assets | 2.0401% | 3,924 |
| Net interest margin | 3.6380% | 4,150 |
| Noninterest income to average assets | 0.5801% | 3,686 |
| Noninterest expense to average assets | 2.6807% | 5,098 |
| Loan and lease loss provision to assets | 0.3716% | 3,098 |
| Net operating income to assets | 0.7015% | 3,551 |
| Return on assets (ROA) | 0.7015% | 3,741 |
| Pretax return on assets | 0.8342% | 3,957 |
| Return on Equity (ROE) | 8.4552% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.1188% | 3,054 |
| Net charge-offs to loans | 0.9048% | 1,457 |
| Credit loss provision to net charge-offs | 57.3099% | 4,561 |
| Earnings coverage of net charge-offs (x) | 1.8596% | 3,803 |
| Efficiency ratio | 68.9756% | 4,778 |
| Assets per employee ($millions) | 4.0612% | 3,536 |
| Cash dividends to net income (ytd only)* | 39.4595% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 5,594 |
| Loan loss allowance to noncurrent loans | 27.3311% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 3.5478% | 1,509 |
| Noncurrent loans to loans | 3.9621% | 1,526 |
| Net loans and leases to total assets | 72.7851% | 3,054 |
| Net loans and leases to deposits | 102.4881% | 1,132 |
| Net loans and leases to core deposits | 123.1387% | 2,149 |
| Total domestic deposits to total assets | 71.0181% | 7,329 |
| Equity capital to assets | 8.6941% | 5,774 |
| Core capital (leverage) ratio | 8.9584% | 4,781 |
| Tier 1 risk-based capital ratio | 12.1624% | 4,817 |
| Total risk-based capital ratio | 13.2153% | 4,889 |
| Memoranda: | ||
| Average total assets | $105,495,000 | 5,015 |
| Average earning assets | $95,876,500 | 5,028 |
| Average equity | $8,752,000 | 5,793 |
| Average total loans | $75,598,000 | 4,777 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3492% | 3,696 |
| Cost of funding earning assets | 2.5173% | 4,103 |
| Net interest margin | 3.8320% | 3,883 |
| Noninterest income to average assets | 0.6674% | 3,352 |
| Noninterest expense to average assets | 2.6152% | 5,589 |
| Loan and lease loss provision to assets | 0.5701% | 2,544 |
| Net operating income to assets | 0.7012% | 3,889 |
| Return on assets (ROA) | 0.7332% | 3,578 |
| Pretax return on assets | 0.9410% | 3,582 |
| Return on Equity (ROE) | 8.7269% | 2,741 |
| Retained earnings to average equity (ytd only) | 1.9179% | 4,039 |
| Net charge-offs to loans | 0.4984% | 2,371 |
| Credit loss provision to net charge-offs | 162.9428% | 3,163 |
| Earnings coverage of net charge-offs (x) | 4.2016% | 4,069 |
| Efficiency ratio | 64.0140% | 5,555 |
| Assets per employee ($millions) | 4.2100% | 3,098 |
| Cash dividends to net income (ytd only)* | 78.0234% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 4,898 |
| Loan loss allowance to noncurrent loans | 40.6639% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 2.4566% | 1,973 |
| Noncurrent loans to loans | 2.8357% | 1,911 |
| Net loans and leases to total assets | 69.0721% | 4,238 |
| Net loans and leases to deposits | 96.7076% | 2,334 |
| Net loans and leases to core deposits | 116.8596% | 3,019 |
| Total domestic deposits to total assets | 71.4236% | 7,099 |
| Equity capital to assets | 7.9270% | 6,930 |
| Core capital (leverage) ratio | 8.5215% | 5,535 |
| Tier 1 risk-based capital ratio | 11.5944% | 5,161 |
| Total risk-based capital ratio | 12.7020% | 5,186 |
| Memoranda: | ||
| Average total assets | $104,885,800 | 4,903 |
| Average earning assets | $93,554,400 | 4,979 |
| Average equity | $8,811,800 | 5,804 |
| Average total loans | $73,636,200 | 4,753 |