Home > Lamar Bank and Trust Company > Performance and Condition Ratios
Lamar Bank and Trust Company, 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 | 5.9966% | 1,180 |
| Cost of funding earning assets | 1.9841% | 1,970 |
| Net interest margin | 4.0125% | 1,263 |
| Noninterest income to average assets | 0.6900% | 1,078 |
| Noninterest expense to average assets | 2.5528% | 2,151 |
| Loan and lease loss provision to assets | 0.2300% | 495 |
| Net operating income to assets | 1.6715% | 784 |
| Return on assets (ROA) | 1.6715% | 782 |
| Pretax return on assets | 1.6715% | 1,161 |
| Return on Equity (ROE) | 21.9700% | 314 |
| Retained earnings to average equity (ytd only) | 4.3098% | 2,769 |
| Net charge-offs to loans | 0.0618% | 1,067 |
| Credit loss provision to net charge-offs | 331.0345% | 681 |
| Earnings coverage of net charge-offs (x) | 41.0690% | 1,085 |
| Efficiency ratio | 57.2659% | 3,272 |
| Assets per employee ($millions) | 7.1652% | 2,103 |
| Cash dividends to net income (ytd only)* | 80.3828% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,244 |
| Loan loss allowance to noncurrent loans | 694.6809% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 2,965 |
| Noncurrent loans to loans | 0.1438% | 2,977 |
| Net loans and leases to total assets | 75.2900% | 1,175 |
| Net loans and leases to deposits | 85.6559% | 1,526 |
| Net loans and leases to core deposits | 89.5770% | 2,078 |
| Total domestic deposits to total assets | 87.9000% | 1,593 |
| Equity capital to assets | 7.6593% | 3,775 |
| Core capital (leverage) ratio | 10.1984% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $250,079,500 | 2,727 |
| Average earning assets | $234,667,000 | 2,718 |
| Average equity | $19,026,500 | 3,072 |
| Average total loans | $187,623,500 | 2,495 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8512% | 1,509 |
| Cost of funding earning assets | 2.0431% | 2,125 |
| Net interest margin | 3.8081% | 1,489 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 2.4263% | 2,511 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.7938% | 553 |
| Return on assets (ROA) | 1.7938% | 551 |
| Pretax return on assets | 1.7938% | 833 |
| Return on Equity (ROE) | 23.6800% | 225 |
| Retained earnings to average equity (ytd only) | 1.9503% | 3,395 |
| Net charge-offs to loans | 0.0208% | 2,190 |
| Credit loss provision to net charge-offs | -163.8889% | 4,382 |
| Earnings coverage of net charge-offs (x) | 123.1111% | 702 |
| Efficiency ratio | 57.0875% | 3,447 |
| Assets per employee ($millions) | 6.5463% | 2,478 |
| Cash dividends to net income (ytd only)* | 91.7642% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 2,918 |
| Loan loss allowance to noncurrent loans | 566.4671% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 2,770 |
| Noncurrent loans to loans | 0.1865% | 2,762 |
| Net loans and leases to total assets | 73.1500% | 1,525 |
| Net loans and leases to deposits | 83.2785% | 1,856 |
| Net loans and leases to core deposits | 87.2149% | 2,312 |
| Total domestic deposits to total assets | 87.8400% | 1,576 |
| Equity capital to assets | 7.5537% | 3,743 |
| Core capital (leverage) ratio | 10.3231% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $243,007,000 | 2,744 |
| Average earning assets | $228,276,200 | 2,723 |
| Average equity | $18,407,800 | 3,072 |
| Average total loans | $173,166,600 | 2,549 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7699% | 1,602 |
| Cost of funding earning assets | 2.0317% | 2,131 |
| Net interest margin | 3.7382% | 1,573 |
| Noninterest income to average assets | 0.6600% | 1,273 |
| Noninterest expense to average assets | 2.3562% | 2,645 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.7636% | 632 |
| Return on assets (ROA) | 1.7636% | 633 |
| Pretax return on assets | 1.7636% | 921 |
| Return on Equity (ROE) | 23.2700% | 255 |
| Retained earnings to average equity (ytd only) | 0.4122% | 3,873 |
| Net charge-offs to loans | 0.0093% | 2,299 |
| Credit loss provision to net charge-offs | -66.6667% | 4,379 |
| Earnings coverage of net charge-offs (x) | 277.3333% | 413 |
| Efficiency ratio | 56.3598% | 3,523 |
| Assets per employee ($millions) | 7.2487% | 1,972 |
| Cash dividends to net income (ytd only)* | 98.2282% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 2,768 |
| Loan loss allowance to noncurrent loans | 910.6481% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 3,105 |
| Noncurrent loans to loans | 0.1208% | 3,074 |
| Net loans and leases to total assets | 71.7400% | 1,639 |
| Net loans and leases to deposits | 82.0459% | 1,980 |
| Net loans and leases to core deposits | 84.7281% | 2,509 |
| Total domestic deposits to total assets | 87.4400% | 1,444 |
| Equity capital to assets | 7.9771% | 3,719 |
| Core capital (leverage) ratio | 10.1378% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $243,205,750 | 2,739 |
| Average earning assets | $228,769,500 | 2,717 |
| Average equity | $18,435,750 | 3,073 |
| Average total loans | $171,689,000 | 2,551 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6779% | 1,638 |
| Cost of funding earning assets | 1.9455% | 2,251 |
| Net interest margin | 3.7323% | 1,540 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.3385% | 2,682 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.7239% | 649 |
| Return on assets (ROA) | 1.7239% | 649 |
| Pretax return on assets | 1.7239% | 943 |
| Return on Equity (ROE) | 23.1500% | 284 |
| Retained earnings to average equity (ytd only) | 1.0761% | 3,586 |
| Net charge-offs to loans | 0.0130% | 1,954 |
| Credit loss provision to net charge-offs | 490.9091% | 643 |
| Earnings coverage of net charge-offs (x) | 201.4545% | 489 |
| Efficiency ratio | 56.0927% | 3,568 |
| Assets per employee ($millions) | 7.9266% | 1,497 |
| Cash dividends to net income (ytd only)* | 95.3522% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,388 |
| Loan loss allowance to noncurrent loans | 918.5520% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 3,030 |
| Noncurrent loans to loans | 0.1276% | 3,006 |
| Net loans and leases to total assets | 69.6800% | 1,935 |
| Net loans and leases to deposits | 79.0299% | 2,279 |
| Net loans and leases to core deposits | 82.3731% | 2,653 |
| Total domestic deposits to total assets | 88.1700% | 1,262 |
| Equity capital to assets | 7.4063% | 3,779 |
| Core capital (leverage) ratio | 10.4585% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $242,122,333 | 2,741 |
| Average earning assets | $228,007,667 | 2,716 |
| Average equity | $18,027,667 | 3,083 |
| Average total loans | $169,327,000 | 2,569 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5950% | 1,637 |
| Cost of funding earning assets | 1.8945% | 2,261 |
| Net interest margin | 3.7005% | 1,533 |
| Noninterest income to average assets | 0.6500% | 1,194 |
| Noninterest expense to average assets | 2.4301% | 2,433 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.6694% | 697 |
| Return on assets (ROA) | 1.6694% | 707 |
| Pretax return on assets | 1.6694% | 1,001 |
| Return on Equity (ROE) | 22.3600% | 318 |
| Retained earnings to average equity (ytd only) | 3.6339% | 2,814 |
| Net charge-offs to loans | 0.0119% | 1,652 |
| Credit loss provision to net charge-offs | 420.0000% | 562 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 411 |
| Efficiency ratio | 58.8710% | 3,371 |
| Assets per employee ($millions) | 7.0316% | 2,065 |
| Cash dividends to net income (ytd only)* | 83.7488% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,346 |
| Loan loss allowance to noncurrent loans | 761.5970% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 2,900 |
| Noncurrent loans to loans | 0.1559% | 2,838 |
| Net loans and leases to total assets | 69.7200% | 1,841 |
| Net loans and leases to deposits | 82.4785% | 1,841 |
| Net loans and leases to core deposits | 85.6125% | 2,336 |
| Total domestic deposits to total assets | 84.5300% | 2,561 |
| Equity capital to assets | 7.4805% | 3,689 |
| Core capital (leverage) ratio | 10.4984% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $240,321,500 | 2,755 |
| Average earning assets | $226,131,000 | 2,729 |
| Average equity | $17,942,000 | 3,097 |
| Average total loans | $167,366,000 | 2,583 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 1,836 |
| Cost of funding earning assets | 1.4318% | 2,144 |
| Net interest margin | 3.6785% | 1,798 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.3262% | 2,783 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 1.8986% | 528 |
| Return on assets (ROA) | 1.8986% | 512 |
| Pretax return on assets | 1.8986% | 777 |
| Return on Equity (ROE) | 26.5400% | 265 |
| Retained earnings to average equity (ytd only) | 5.1279% | 2,567 |
| Net charge-offs to loans | 0.0143% | 2,118 |
| Credit loss provision to net charge-offs | -587.5000% | 4,543 |
| Earnings coverage of net charge-offs (x) | 178.3333% | 631 |
| Efficiency ratio | 55.9942% | 3,498 |
| Assets per employee ($millions) | 6.9020% | 2,138 |
| Cash dividends to net income (ytd only)* | 80.6749% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,316 |
| Loan loss allowance to noncurrent loans | 867.6856% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 2,886 |
| Noncurrent loans to loans | 0.1379% | 2,819 |
| Net loans and leases to total assets | 67.9100% | 2,048 |
| Net loans and leases to deposits | 80.3957% | 2,070 |
| Net loans and leases to core deposits | 83.7654% | 2,471 |
| Total domestic deposits to total assets | 84.4700% | 2,482 |
| Equity capital to assets | 7.4513% | 3,745 |
| Core capital (leverage) ratio | 10.6149% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $234,115,400 | 2,773 |
| Average earning assets | $220,416,200 | 2,738 |
| Average equity | $16,751,400 | 3,115 |
| Average total loans | $167,525,400 | 2,540 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 1,810 |
| Cost of funding earning assets | 1.3319% | 2,055 |
| Net interest margin | 3.6777% | 1,826 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.3554% | 2,640 |
| Loan and lease loss provision to assets | -0.1000% | 4,540 |
| Net operating income to assets | 1.9025% | 561 |
| Return on assets (ROA) | 1.9025% | 553 |
| Pretax return on assets | 1.9025% | 858 |
| Return on Equity (ROE) | 26.8800% | 312 |
| Retained earnings to average equity (ytd only) | 4.5743% | 3,075 |
| Net charge-offs to loans | 0.0167% | 1,804 |
| Credit loss provision to net charge-offs | -728.5714% | 4,585 |
| Earnings coverage of net charge-offs (x) | 149.8095% | 728 |
| Efficiency ratio | 56.6009% | 3,347 |
| Assets per employee ($millions) | 6.9866% | 1,969 |
| Cash dividends to net income (ytd only)* | 82.9813% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 2,456 |
| Loan loss allowance to noncurrent loans | 810.6557% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 2,891 |
| Noncurrent loans to loans | 0.1459% | 2,823 |
| Net loans and leases to total assets | 69.5800% | 1,878 |
| Net loans and leases to deposits | 83.4399% | 1,786 |
| Net loans and leases to core deposits | 85.4949% | 2,217 |
| Total domestic deposits to total assets | 83.3900% | 2,931 |
| Equity capital to assets | 6.6304% | 3,784 |
| Core capital (leverage) ratio | 10.3634% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $232,252,000 | 2,794 |
| Average earning assets | $218,826,750 | 2,760 |
| Average equity | $16,439,250 | 3,129 |
| Average total loans | $167,895,750 | 2,546 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8660% | 1,850 |
| Cost of funding earning assets | 1.1649% | 2,092 |
| Net interest margin | 3.7011% | 1,809 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.3507% | 2,653 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 1.9021% | 560 |
| Return on assets (ROA) | 1.9021% | 552 |
| Pretax return on assets | 1.9021% | 861 |
| Return on Equity (ROE) | 26.3000% | 320 |
| Retained earnings to average equity (ytd only) | 3.3355% | 3,396 |
| Net charge-offs to loans | 0.0143% | 1,659 |
| Credit loss provision to net charge-offs | -1,325.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | 175.6667% | 675 |
| Efficiency ratio | 56.2383% | 3,394 |
| Assets per employee ($millions) | 7.0684% | 1,875 |
| Cash dividends to net income (ytd only)* | 87.3175% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,587 |
| Loan loss allowance to noncurrent loans | 792.4000% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 2,811 |
| Noncurrent loans to loans | 0.1477% | 2,727 |
| Net loans and leases to total assets | 69.6000% | 1,788 |
| Net loans and leases to deposits | 83.7652% | 1,693 |
| Net loans and leases to core deposits | 85.5736% | 2,102 |
| Total domestic deposits to total assets | 83.0900% | 3,027 |
| Equity capital to assets | 7.1536% | 3,714 |
| Core capital (leverage) ratio | 10.4609% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $230,488,000 | 2,810 |
| Average earning assets | $217,016,667 | 2,779 |
| Average equity | $16,669,000 | 3,130 |
| Average total loans | $168,109,333 | 2,536 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 1,535 |
| Cost of funding earning assets | 0.9069% | 2,348 |
| Net interest margin | 3.9292% | 1,408 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.4046% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0145% | 483 |
| Return on assets (ROA) | 2.0145% | 478 |
| Pretax return on assets | 2.0145% | 760 |
| Return on Equity (ROE) | 27.6900% | 305 |
| Retained earnings to average equity (ytd only) | 1.5115% | 3,782 |
| Net charge-offs to loans | 0.0143% | 1,417 |
| Credit loss provision to net charge-offs | 233.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 189.1667% | 522 |
| Efficiency ratio | 54.4360% | 3,563 |
| Assets per employee ($millions) | 6.6256% | 2,246 |
| Cash dividends to net income (ytd only)* | 94.5423% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,123 |
| Loan loss allowance to noncurrent loans | 805.9701% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 2,681 |
| Noncurrent loans to loans | 0.1590% | 2,693 |
| Net loans and leases to total assets | 73.8800% | 1,219 |
| Net loans and leases to deposits | 82.7130% | 1,597 |
| Net loans and leases to core deposits | 83.5215% | 2,022 |
| Total domestic deposits to total assets | 89.3200% | 1,413 |
| Equity capital to assets | 7.4595% | 3,585 |
| Core capital (leverage) ratio | 10.2589% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $225,569,500 | 2,874 |
| Average earning assets | $212,154,500 | 2,846 |
| Average equity | $16,407,500 | 3,182 |
| Average total loans | $167,539,000 | 2,566 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 1,604 |
| Cost of funding earning assets | 0.3434% | 2,533 |
| Net interest margin | 3.7012% | 1,375 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.2886% | 2,775 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.8027% | 443 |
| Return on assets (ROA) | 1.8027% | 426 |
| Pretax return on assets | 1.8027% | 732 |
| Return on Equity (ROE) | 22.3900% | 314 |
| Retained earnings to average equity (ytd only) | -4.3708% | 4,557 |
| Net charge-offs to loans | 0.0130% | 1,894 |
| Credit loss provision to net charge-offs | 885.0000% | 468 |
| Earnings coverage of net charge-offs (x) | 214.7500% | 625 |
| Efficiency ratio | 54.8987% | 3,698 |
| Assets per employee ($millions) | 6.4534% | 2,379 |
| Cash dividends to net income (ytd only)* | 119.5240% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,152 |
| Loan loss allowance to noncurrent loans | 779.4007% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 2,697 |
| Noncurrent loans to loans | 0.1604% | 2,691 |
| Net loans and leases to total assets | 72.7900% | 1,333 |
| Net loans and leases to deposits | 79.0626% | 1,839 |
| Net loans and leases to core deposits | 80.4630% | 2,102 |
| Total domestic deposits to total assets | 92.0600% | 625 |
| Equity capital to assets | 7.0886% | 3,622 |
| Core capital (leverage) ratio | 10.1845% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $228,436,600 | 2,852 |
| Average earning assets | $214,065,800 | 2,834 |
| Average equity | $18,394,800 | 3,091 |
| Average total loans | $153,853,200 | 2,600 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 1,504 |
| Cost of funding earning assets | 0.2534% | 2,669 |
| Net interest margin | 3.6377% | 1,303 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.2571% | 2,769 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.7461% | 477 |
| Return on assets (ROA) | 1.7461% | 465 |
| Pretax return on assets | 1.7461% | 817 |
| Return on Equity (ROE) | 21.0600% | 350 |
| Retained earnings to average equity (ytd only) | -6.7400% | 4,636 |
| Net charge-offs to loans | 0.0168% | 1,514 |
| Credit loss provision to net charge-offs | 931.5789% | 425 |
| Earnings coverage of net charge-offs (x) | 167.2105% | 699 |
| Efficiency ratio | 54.9681% | 3,728 |
| Assets per employee ($millions) | 6.4887% | 2,324 |
| Cash dividends to net income (ytd only)* | 132.0000% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 1,771 |
| Loan loss allowance to noncurrent loans | 762.6374% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 2,762 |
| Noncurrent loans to loans | 0.1781% | 2,697 |
| Net loans and leases to total assets | 66.5900% | 1,825 |
| Net loans and leases to deposits | 71.9503% | 2,207 |
| Net loans and leases to core deposits | 73.3558% | 2,397 |
| Total domestic deposits to total assets | 92.5500% | 701 |
| Equity capital to assets | 6.4732% | 3,751 |
| Core capital (leverage) ratio | 10.1162% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $229,078,250 | 2,867 |
| Average earning assets | $214,634,500 | 2,849 |
| Average equity | $18,990,750 | 3,079 |
| Average total loans | $150,695,750 | 2,636 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 1,354 |
| Cost of funding earning assets | 0.2022% | 2,889 |
| Net interest margin | 3.5789% | 1,104 |
| Noninterest income to average assets | 0.6869% | 1,398 |
| Noninterest expense to average assets | 2.2391% | 2,736 |
| Loan and lease loss provision to assets | 0.1445% | 661 |
| Net operating income to assets | 1.6471% | 492 |
| Return on assets (ROA) | 1.6471% | 479 |
| Pretax return on assets | 1.6471% | 856 |
| Return on Equity (ROE) | 18.5302% | 416 |
| Retained earnings to average equity (ytd only) | -5.9548% | 4,570 |
| Net charge-offs to loans | 0.0107% | 1,585 |
| Credit loss provision to net charge-offs | 2,075.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 257.2500% | 458 |
| Efficiency ratio | 55.5508% | 3,814 |
| Assets per employee ($millions) | 6.8134% | 2,059 |
| Cash dividends to net income (ytd only)* | 132.1353% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 1,760 |
| Loan loss allowance to noncurrent loans | 725.4355% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,838 |
| Noncurrent loans to loans | 0.1928% | 2,742 |
| Net loans and leases to total assets | 63.3703% | 1,979 |
| Net loans and leases to deposits | 69.2922% | 2,276 |
| Net loans and leases to core deposits | 72.0178% | 2,334 |
| Total domestic deposits to total assets | 91.4537% | 1,043 |
| Equity capital to assets | 7.6588% | 3,368 |
| Core capital (leverage) ratio | 10.0565% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,736,333 | 2,890 |
| Average earning assets | $214,649,000 | 2,883 |
| Average equity | $20,420,667 | 3,028 |
| Average total loans | $149,823,333 | 2,643 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 1,396 |
| Cost of funding earning assets | 0.1882% | 2,969 |
| Net interest margin | 3.4545% | 1,175 |
| Noninterest income to average assets | 0.6557% | 1,467 |
| Noninterest expense to average assets | 2.2904% | 2,537 |
| Loan and lease loss provision to assets | 0.2745% | 225 |
| Net operating income to assets | 1.3323% | 934 |
| Return on assets (ROA) | 1.3323% | 924 |
| Pretax return on assets | 1.3323% | 1,429 |
| Return on Equity (ROE) | 14.0074% | 828 |
| Retained earnings to average equity (ytd only) | 4.1912% | 2,870 |
| Net charge-offs to loans | 0.0027% | 1,701 |
| Credit loss provision to net charge-offs | 15,700.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 919.0000% | 97 |
| Efficiency ratio | 58.7707% | 3,604 |
| Assets per employee ($millions) | 6.5542% | 2,341 |
| Cash dividends to net income (ytd only)* | 70.0787% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,921 |
| Loan loss allowance to noncurrent loans | 681.9672% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 2,897 |
| Noncurrent loans to loans | 0.2046% | 2,798 |
| Net loans and leases to total assets | 62.3046% | 1,822 |
| Net loans and leases to deposits | 68.8509% | 2,066 |
| Net loans and leases to core deposits | 71.7107% | 2,137 |
| Total domestic deposits to total assets | 90.4921% | 1,304 |
| Equity capital to assets | 8.7013% | 2,972 |
| Core capital (leverage) ratio | 10.5151% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,776,500 | 2,905 |
| Average earning assets | $214,674,000 | 2,901 |
| Average equity | $21,760,000 | 3,003 |
| Average total loans | $150,293,500 | 2,625 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 1,535 |
| Cost of funding earning assets | 0.2190% | 3,273 |
| Net interest margin | 3.7137% | 1,182 |
| Noninterest income to average assets | 0.7346% | 1,647 |
| Noninterest expense to average assets | 2.3264% | 2,724 |
| Loan and lease loss provision to assets | 0.0115% | 2,854 |
| Net operating income to assets | 1.8776% | 428 |
| Return on assets (ROA) | 1.8776% | 457 |
| Pretax return on assets | 1.8776% | 768 |
| Return on Equity (ROE) | 17.6482% | 500 |
| Retained earnings to average equity (ytd only) | 0.5668% | 4,358 |
| Net charge-offs to loans | 0.0143% | 2,032 |
| Credit loss provision to net charge-offs | 125.0000% | 1,618 |
| Earnings coverage of net charge-offs (x) | 205.2000% | 532 |
| Efficiency ratio | 55.1867% | 3,798 |
| Assets per employee ($millions) | 5.9892% | 2,786 |
| Cash dividends to net income (ytd only)* | 96.7884% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,500 |
| Loan loss allowance to noncurrent loans | 55.5909% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.5618% | 257 |
| Noncurrent loans to loans | 2.2845% | 315 |
| Net loans and leases to total assets | 67.4970% | 1,321 |
| Net loans and leases to deposits | 75.9872% | 1,569 |
| Net loans and leases to core deposits | 78.7406% | 1,701 |
| Total domestic deposits to total assets | 88.8268% | 1,605 |
| Equity capital to assets | 10.3741% | 2,300 |
| Core capital (leverage) ratio | 10.7135% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,249,400 | 2,932 |
| Average earning assets | $203,626,400 | 2,927 |
| Average equity | $23,112,800 | 2,971 |
| Average total loans | $140,162,000 | 2,723 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 1,459 |
| Cost of funding earning assets | 0.2253% | 3,371 |
| Net interest margin | 3.8090% | 1,097 |
| Noninterest income to average assets | 0.7340% | 1,717 |
| Noninterest expense to average assets | 2.2810% | 2,803 |
| Loan and lease loss provision to assets | 0.0153% | 2,692 |
| Net operating income to assets | 2.0040% | 461 |
| Return on assets (ROA) | 2.0040% | 487 |
| Pretax return on assets | 2.0040% | 796 |
| Return on Equity (ROE) | 18.7173% | 543 |
| Retained earnings to average equity (ytd only) | -0.9506% | 4,659 |
| Net charge-offs to loans | 0.0165% | 1,739 |
| Credit loss provision to net charge-offs | 147.0588% | 1,367 |
| Earnings coverage of net charge-offs (x) | 192.5882% | 569 |
| Efficiency ratio | 53.0407% | 3,916 |
| Assets per employee ($millions) | 6.0403% | 2,654 |
| Cash dividends to net income (ytd only)* | 105.0785% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,801 |
| Loan loss allowance to noncurrent loans | 55.6454% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.5926% | 301 |
| Noncurrent loans to loans | 2.6117% | 275 |
| Net loans and leases to total assets | 60.0918% | 2,249 |
| Net loans and leases to deposits | 67.9238% | 2,442 |
| Net loans and leases to core deposits | 70.4453% | 2,555 |
| Total domestic deposits to total assets | 88.4695% | 1,582 |
| Equity capital to assets | 10.5896% | 2,379 |
| Core capital (leverage) ratio | 10.6663% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,161,500 | 2,965 |
| Average earning assets | $202,391,750 | 2,967 |
| Average equity | $23,143,750 | 3,006 |
| Average total loans | $137,328,000 | 2,792 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 1,614 |
| Cost of funding earning assets | 0.2333% | 3,440 |
| Net interest margin | 3.7473% | 1,226 |
| Noninterest income to average assets | 0.6925% | 1,838 |
| Noninterest expense to average assets | 2.2769% | 2,837 |
| Loan and lease loss provision to assets | 0.0232% | 2,510 |
| Net operating income to assets | 1.9070% | 581 |
| Return on assets (ROA) | 1.9070% | 610 |
| Pretax return on assets | 1.9070% | 1,007 |
| Return on Equity (ROE) | 17.7460% | 682 |
| Retained earnings to average equity (ytd only) | 5.7370% | 2,910 |
| Net charge-offs to loans | 0.0187% | 1,569 |
| Credit loss provision to net charge-offs | 192.3077% | 1,062 |
| Earnings coverage of net charge-offs (x) | 160.1538% | 570 |
| Efficiency ratio | 54.1208% | 3,783 |
| Assets per employee ($millions) | 6.2484% | 2,391 |
| Cash dividends to net income (ytd only)* | 67.6714% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,805 |
| Loan loss allowance to noncurrent loans | 56.0035% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.5903% | 337 |
| Noncurrent loans to loans | 2.5748% | 317 |
| Net loans and leases to total assets | 60.3489% | 2,386 |
| Net loans and leases to deposits | 68.4373% | 2,573 |
| Net loans and leases to core deposits | 71.4727% | 2,649 |
| Total domestic deposits to total assets | 88.1813% | 1,732 |
| Equity capital to assets | 10.9564% | 2,013 |
| Core capital (leverage) ratio | 10.8022% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,732,333 | 2,968 |
| Average earning assets | $202,330,667 | 2,964 |
| Average equity | $23,182,667 | 2,996 |
| Average total loans | $138,905,333 | 2,792 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4479% | 3,069 |
| Cost of funding earning assets | 0.2438% | 3,528 |
| Net interest margin | 3.2040% | 2,685 |
| Noninterest income to average assets | 0.6516% | 2,022 |
| Noninterest expense to average assets | 2.3393% | 2,677 |
| Loan and lease loss provision to assets | 0.0467% | 2,148 |
| Net operating income to assets | 1.2583% | 1,948 |
| Return on assets (ROA) | 1.2583% | 2,025 |
| Pretax return on assets | 1.2583% | 2,679 |
| Return on Equity (ROE) | 11.8279% | 2,082 |
| Retained earnings to average equity (ytd only) | 1.6145% | 4,092 |
| Net charge-offs to loans | -0.0085% | 3,608 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1906% | 2,441 |
| Assets per employee ($millions) | 6.3805% | 2,270 |
| Cash dividends to net income (ytd only)* | 86.3501% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 2,161 |
| Loan loss allowance to noncurrent loans | 56.4184% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5453% | 398 |
| Noncurrent loans to loans | 2.4074% | 398 |
| Net loans and leases to total assets | 63.3194% | 2,127 |
| Net loans and leases to deposits | 71.3461% | 2,382 |
| Net loans and leases to core deposits | 74.7298% | 2,450 |
| Total domestic deposits to total assets | 88.7496% | 1,467 |
| Equity capital to assets | 10.4788% | 2,290 |
| Core capital (leverage) ratio | 10.9015% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,251,000 | 2,975 |
| Average earning assets | $200,124,000 | 2,970 |
| Average equity | $22,793,500 | 3,012 |
| Average total loans | $141,402,500 | 2,766 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 1,783 |
| Cost of funding earning assets | 0.3740% | 3,745 |
| Net interest margin | 3.9515% | 1,086 |
| Noninterest income to average assets | 0.7797% | 1,592 |
| Noninterest expense to average assets | 2.5340% | 2,738 |
| Loan and lease loss provision to assets | 0.2567% | 1,515 |
| Net operating income to assets | 1.6583% | 560 |
| Return on assets (ROA) | 1.6583% | 602 |
| Pretax return on assets | 1.6583% | 934 |
| Return on Equity (ROE) | 15.2971% | 590 |
| Retained earnings to average equity (ytd only) | 4.8004% | 2,369 |
| Net charge-offs to loans | 0.0198% | 2,670 |
| Credit loss provision to net charge-offs | 1,751.8519% | 491 |
| Earnings coverage of net charge-offs (x) | 130.7037% | 645 |
| Efficiency ratio | 56.9582% | 3,863 |
| Assets per employee ($millions) | 6.0349% | 2,308 |
| Cash dividends to net income (ytd only)* | 68.6191% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,073 |
| Loan loss allowance to noncurrent loans | 50.1699% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.8642% | 322 |
| Noncurrent loans to loans | 2.7428% | 340 |
| Net loans and leases to total assets | 67.0302% | 1,951 |
| Net loans and leases to deposits | 75.8142% | 2,300 |
| Net loans and leases to core deposits | 78.6127% | 2,496 |
| Total domestic deposits to total assets | 88.4139% | 1,268 |
| Equity capital to assets | 10.8127% | 2,419 |
| Core capital (leverage) ratio | 11.1664% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,290,200 | 3,071 |
| Average earning assets | $171,125,800 | 3,061 |
| Average equity | $19,977,600 | 3,188 |
| Average total loans | $136,080,400 | 2,791 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 1,706 |
| Cost of funding earning assets | 0.4023% | 3,797 |
| Net interest margin | 4.0457% | 1,018 |
| Noninterest income to average assets | 0.8012% | 1,489 |
| Noninterest expense to average assets | 2.6135% | 2,500 |
| Loan and lease loss provision to assets | 0.3462% | 1,104 |
| Net operating income to assets | 1.5927% | 741 |
| Return on assets (ROA) | 1.5927% | 815 |
| Pretax return on assets | 1.5927% | 1,206 |
| Return on Equity (ROE) | 14.6814% | 748 |
| Retained earnings to average equity (ytd only) | 4.2829% | 2,905 |
| Net charge-offs to loans | 0.0177% | 2,505 |
| Credit loss provision to net charge-offs | 2,583.3333% | 389 |
| Earnings coverage of net charge-offs (x) | 144.6667% | 624 |
| Efficiency ratio | 57.4092% | 3,748 |
| Assets per employee ($millions) | 5.5761% | 2,645 |
| Cash dividends to net income (ytd only)* | 70.8275% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 1,920 |
| Loan loss allowance to noncurrent loans | 248.2536% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,538 |
| Noncurrent loans to loans | 0.5469% | 2,426 |
| Net loans and leases to total assets | 73.5352% | 1,430 |
| Net loans and leases to deposits | 83.4510% | 1,965 |
| Net loans and leases to core deposits | 86.7980% | 2,246 |
| Total domestic deposits to total assets | 88.1179% | 1,165 |
| Equity capital to assets | 10.8984% | 2,481 |
| Core capital (leverage) ratio | 10.8887% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,066,500 | 3,098 |
| Average earning assets | $166,030,250 | 3,096 |
| Average equity | $19,425,500 | 3,241 |
| Average total loans | $135,236,750 | 2,815 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 1,810 |
| Cost of funding earning assets | 0.4595% | 3,746 |
| Net interest margin | 4.0780% | 1,162 |
| Noninterest income to average assets | 0.8043% | 1,423 |
| Noninterest expense to average assets | 2.6521% | 2,518 |
| Loan and lease loss provision to assets | 0.2985% | 1,441 |
| Net operating income to assets | 1.6348% | 703 |
| Return on assets (ROA) | 1.6348% | 769 |
| Pretax return on assets | 1.6348% | 1,143 |
| Return on Equity (ROE) | 15.0947% | 695 |
| Retained earnings to average equity (ytd only) | 2.6613% | 3,523 |
| Net charge-offs to loans | 0.0120% | 2,532 |
| Credit loss provision to net charge-offs | 3,275.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 212.1250% | 426 |
| Efficiency ratio | 57.8385% | 3,712 |
| Assets per employee ($millions) | 5.1244% | 3,031 |
| Cash dividends to net income (ytd only)* | 82.3693% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,388 |
| Loan loss allowance to noncurrent loans | 222.1364% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 2,620 |
| Noncurrent loans to loans | 0.5512% | 2,516 |
| Net loans and leases to total assets | 75.4797% | 1,209 |
| Net loans and leases to deposits | 85.6128% | 1,813 |
| Net loans and leases to core deposits | 90.1221% | 2,065 |
| Total domestic deposits to total assets | 88.1640% | 1,101 |
| Equity capital to assets | 10.9015% | 2,422 |
| Core capital (leverage) ratio | 11.0173% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,559,333 | 3,114 |
| Average earning assets | $162,776,333 | 3,112 |
| Average equity | $19,013,333 | 3,267 |
| Average total loans | $133,204,667 | 2,824 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7340% | 1,606 |
| Cost of funding earning assets | 0.5816% | 3,519 |
| Net interest margin | 4.1524% | 1,017 |
| Noninterest income to average assets | 0.8790% | 1,108 |
| Noninterest expense to average assets | 2.5038% | 3,258 |
| Loan and lease loss provision to assets | 0.2385% | 1,302 |
| Net operating income to assets | 1.9755% | 285 |
| Return on assets (ROA) | 1.9755% | 314 |
| Pretax return on assets | 1.9755% | 477 |
| Return on Equity (ROE) | 18.3054% | 247 |
| Retained earnings to average equity (ytd only) | 5.0475% | 2,257 |
| Net charge-offs to loans | 0.0588% | 1,423 |
| Credit loss provision to net charge-offs | 536.8421% | 845 |
| Earnings coverage of net charge-offs (x) | 49.8421% | 901 |
| Efficiency ratio | 53.0723% | 4,461 |
| Assets per employee ($millions) | 4.8577% | 2,809 |
| Cash dividends to net income (ytd only)* | 72.4260% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,557 |
| Loan loss allowance to noncurrent loans | 262.2260% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 3,043 |
| Noncurrent loans to loans | 0.4657% | 2,853 |
| Net loans and leases to total assets | 73.9728% | 1,609 |
| Net loans and leases to deposits | 84.1301% | 2,209 |
| Net loans and leases to core deposits | 88.9435% | 2,451 |
| Total domestic deposits to total assets | 87.9266% | 1,143 |
| Equity capital to assets | 11.1600% | 2,715 |
| Core capital (leverage) ratio | 10.9174% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,099,000 | 3,124 |
| Average earning assets | $158,174,000 | 3,127 |
| Average equity | $18,464,500 | 3,324 |
| Average total loans | $129,321,500 | 2,842 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 2,414 |
| Cost of funding earning assets | 0.6366% | 3,474 |
| Net interest margin | 4.0322% | 1,741 |
| Noninterest income to average assets | 0.8760% | 1,233 |
| Noninterest expense to average assets | 2.8548% | 2,427 |
| Loan and lease loss provision to assets | 0.1395% | 1,527 |
| Net operating income to assets | 1.6586% | 727 |
| Return on assets (ROA) | 1.6586% | 776 |
| Pretax return on assets | 1.6586% | 1,309 |
| Return on Equity (ROE) | 15.6570% | 581 |
| Retained earnings to average equity (ytd only) | 2.3938% | 3,824 |
| Net charge-offs to loans | 0.0203% | 3,014 |
| Credit loss provision to net charge-offs | 958.3333% | 362 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 573 |
| Efficiency ratio | 61.3559% | 3,485 |
| Assets per employee ($millions) | 5.0641% | 2,499 |
| Cash dividends to net income (ytd only)* | 84.7110% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 2,829 |
| Loan loss allowance to noncurrent loans | 260.0707% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 3,105 |
| Noncurrent loans to loans | 0.4310% | 2,903 |
| Net loans and leases to total assets | 75.4147% | 1,523 |
| Net loans and leases to deposits | 85.0031% | 2,203 |
| Net loans and leases to core deposits | 89.0255% | 2,513 |
| Total domestic deposits to total assets | 88.7199% | 782 |
| Equity capital to assets | 10.4280% | 3,514 |
| Core capital (leverage) ratio | 10.7102% | 2,752 |
| Tier 1 risk-based capital ratio | 13.1604% | 3,709 |
| Total risk-based capital ratio | 14.2389% | 3,672 |
| Memoranda: | ||
| Average total assets | $164,842,600 | 3,156 |
| Average earning assets | $154,408,600 | 3,140 |
| Average equity | $17,461,800 | 3,392 |
| Average total loans | $118,285,400 | 2,962 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 2,580 |
| Cost of funding earning assets | 0.6594% | 3,400 |
| Net interest margin | 3.9869% | 1,991 |
| Noninterest income to average assets | 0.8768% | 1,205 |
| Noninterest expense to average assets | 2.7753% | 2,639 |
| Loan and lease loss provision to assets | 0.1121% | 1,745 |
| Net operating income to assets | 1.7332% | 698 |
| Return on assets (ROA) | 1.7332% | 739 |
| Pretax return on assets | 1.7332% | 1,238 |
| Return on Equity (ROE) | 16.2947% | 565 |
| Retained earnings to average equity (ytd only) | 3.1913% | 3,808 |
| Net charge-offs to loans | 0.0220% | 2,659 |
| Credit loss provision to net charge-offs | 721.0526% | 461 |
| Earnings coverage of net charge-offs (x) | 118.7493% | 659 |
| Efficiency ratio | 60.0637% | 3,632 |
| Assets per employee ($millions) | 4.6502% | 2,971 |
| Cash dividends to net income (ytd only)* | 80.4153% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,073 |
| Loan loss allowance to noncurrent loans | 235.2041% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 3,059 |
| Noncurrent loans to loans | 0.4640% | 2,911 |
| Net loans and leases to total assets | 77.0191% | 1,313 |
| Net loans and leases to deposits | 87.6001% | 1,988 |
| Net loans and leases to core deposits | 92.0414% | 2,364 |
| Total domestic deposits to total assets | 87.9213% | 1,063 |
| Equity capital to assets | 11.0220% | 3,087 |
| Core capital (leverage) ratio | 11.1573% | 2,507 |
| Tier 1 risk-based capital ratio | 15.0598% | 2,819 |
| Total risk-based capital ratio | 16.2195% | 2,792 |
| Memoranda: | ||
| Average total assets | $163,008,250 | 3,211 |
| Average earning assets | $153,065,500 | 3,183 |
| Average equity | $17,338,500 | 3,429 |
| Average total loans | $115,026,500 | 3,043 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 2,812 |
| Cost of funding earning assets | 0.6700% | 3,316 |
| Net interest margin | 3.8885% | 2,274 |
| Noninterest income to average assets | 0.8302% | 1,252 |
| Noninterest expense to average assets | 2.8046% | 2,575 |
| Loan and lease loss provision to assets | 0.0454% | 2,913 |
| Net operating income to assets | 1.6383% | 837 |
| Return on assets (ROA) | 1.6383% | 874 |
| Pretax return on assets | 1.6383% | 1,428 |
| Return on Equity (ROE) | 15.5908% | 658 |
| Retained earnings to average equity (ytd only) | 2.8474% | 3,785 |
| Net charge-offs to loans | 0.0144% | 2,623 |
| Credit loss provision to net charge-offs | 462.5000% | 637 |
| Earnings coverage of net charge-offs (x) | 171.6250% | 441 |
| Efficiency ratio | 62.4863% | 3,354 |
| Assets per employee ($millions) | 4.8246% | 2,710 |
| Cash dividends to net income (ytd only)* | 81.7365% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,041 |
| Loan loss allowance to noncurrent loans | 220.2381% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 3,099 |
| Noncurrent loans to loans | 0.5021% | 2,776 |
| Net loans and leases to total assets | 70.6069% | 2,449 |
| Net loans and leases to deposits | 80.0105% | 2,953 |
| Net loans and leases to core deposits | 84.6378% | 3,063 |
| Total domestic deposits to total assets | 88.2470% | 992 |
| Equity capital to assets | 10.7873% | 3,280 |
| Core capital (leverage) ratio | 10.9223% | 2,670 |
| Tier 1 risk-based capital ratio | 15.2338% | 2,739 |
| Total risk-based capital ratio | 16.3429% | 2,718 |
| Memoranda: | ||
| Average total assets | $163,092,000 | 3,221 |
| Average earning assets | $153,428,670 | 3,198 |
| Average equity | $17,138,330 | 3,451 |
| Average total loans | $111,123,000 | 3,116 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 3,051 |
| Cost of funding earning assets | 0.6607% | 3,258 |
| Net interest margin | 3.7890% | 2,569 |
| Noninterest income to average assets | 0.7650% | 1,378 |
| Noninterest expense to average assets | 2.6590% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6751% | 768 |
| Return on assets (ROA) | 1.6751% | 796 |
| Pretax return on assets | 1.6751% | 1,273 |
| Return on Equity (ROE) | 16.1566% | 571 |
| Retained earnings to average equity (ytd only) | 3.2028% | 3,654 |
| Net charge-offs to loans | -0.0037% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3507% | 3,630 |
| Assets per employee ($millions) | 4.8464% | 2,718 |
| Cash dividends to net income (ytd only)* | 80.1762% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,936 |
| Loan loss allowance to noncurrent loans | 179.4618% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 2,870 |
| Noncurrent loans to loans | 0.6328% | 2,433 |
| Net loans and leases to total assets | 66.9365% | 2,910 |
| Net loans and leases to deposits | 75.5607% | 3,299 |
| Net loans and leases to core deposits | 80.3309% | 3,332 |
| Total domestic deposits to total assets | 88.5864% | 1,044 |
| Equity capital to assets | 10.5658% | 3,292 |
| Core capital (leverage) ratio | 10.7409% | 2,814 |
| Tier 1 risk-based capital ratio | 15.8099% | 2,524 |
| Total risk-based capital ratio | 16.9430% | 2,495 |
| Memoranda: | ||
| Average total assets | $162,620,500 | 3,268 |
| Average earning assets | $153,181,000 | 3,233 |
| Average equity | $16,860,000 | 3,491 |
| Average total loans | $108,127,000 | 3,196 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 3,129 |
| Cost of funding earning assets | 0.4797% | 3,483 |
| Net interest margin | 3.8160% | 2,611 |
| Noninterest income to average assets | 0.8951% | 1,186 |
| Noninterest expense to average assets | 2.4985% | 3,620 |
| Loan and lease loss provision to assets | 0.0059% | 3,996 |
| Net operating income to assets | 1.9876% | 371 |
| Return on assets (ROA) | 1.9876% | 366 |
| Pretax return on assets | 1.9876% | 576 |
| Return on Equity (ROE) | 19.5286% | 279 |
| Retained earnings to average equity (ytd only) | 6.1031% | 2,142 |
| Net charge-offs to loans | 0.0127% | 3,261 |
| Credit loss provision to net charge-offs | 69.2308% | 2,997 |
| Earnings coverage of net charge-offs (x) | 232.3077% | 404 |
| Efficiency ratio | 55.6209% | 4,455 |
| Assets per employee ($millions) | 4.7195% | 2,843 |
| Cash dividends to net income (ytd only)* | 68.7479% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 2,520 |
| Loan loss allowance to noncurrent loans | 178.3099% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 2,799 |
| Noncurrent loans to loans | 0.6782% | 2,302 |
| Net loans and leases to total assets | 64.4537% | 3,306 |
| Net loans and leases to deposits | 72.3763% | 3,634 |
| Net loans and leases to core deposits | 77.2439% | 3,628 |
| Total domestic deposits to total assets | 89.0536% | 835 |
| Equity capital to assets | 10.1643% | 3,515 |
| Core capital (leverage) ratio | 10.7242% | 2,815 |
| Tier 1 risk-based capital ratio | 16.0653% | 2,384 |
| Total risk-based capital ratio | 17.2725% | 2,336 |
| Memoranda: | ||
| Average total assets | $151,489,200 | 3,368 |
| Average earning assets | $142,792,600 | 3,335 |
| Average equity | $15,418,400 | 3,585 |
| Average total loans | $102,320,200 | 3,257 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 3,068 |
| Cost of funding earning assets | 0.4396% | 3,601 |
| Net interest margin | 3.8322% | 2,519 |
| Noninterest income to average assets | 0.8987% | 1,205 |
| Noninterest expense to average assets | 2.4112% | 3,830 |
| Loan and lease loss provision to assets | 0.0054% | 3,869 |
| Net operating income to assets | 2.0958% | 314 |
| Return on assets (ROA) | 2.0958% | 309 |
| Pretax return on assets | 2.0958% | 485 |
| Return on Equity (ROE) | 20.5845% | 238 |
| Retained earnings to average equity (ytd only) | 6.9492% | 2,152 |
| Net charge-offs to loans | 0.0105% | 3,049 |
| Credit loss provision to net charge-offs | 75.0000% | 2,584 |
| Earnings coverage of net charge-offs (x) | 293.9007% | 317 |
| Efficiency ratio | 53.4350% | 4,665 |
| Assets per employee ($millions) | 4.7200% | 2,821 |
| Cash dividends to net income (ytd only)* | 66.2405% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,606 |
| Loan loss allowance to noncurrent loans | 175.6233% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 2,835 |
| Noncurrent loans to loans | 0.6849% | 2,369 |
| Net loans and leases to total assets | 66.8633% | 3,083 |
| Net loans and leases to deposits | 74.9858% | 3,513 |
| Net loans and leases to core deposits | 80.7742% | 3,437 |
| Total domestic deposits to total assets | 89.1680% | 787 |
| Equity capital to assets | 9.8985% | 3,736 |
| Core capital (leverage) ratio | 10.7279% | 2,859 |
| Tier 1 risk-based capital ratio | 15.5326% | 2,640 |
| Total risk-based capital ratio | 16.7478% | 2,584 |
| Memoranda: | ||
| Average total assets | $149,245,500 | 3,435 |
| Average earning assets | $140,732,750 | 3,386 |
| Average equity | $15,195,500 | 3,637 |
| Average total loans | $101,727,500 | 3,300 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,811 |
| Cost of funding earning assets | 0.4112% | 3,643 |
| Net interest margin | 3.8757% | 2,287 |
| Noninterest income to average assets | 0.9220% | 1,124 |
| Noninterest expense to average assets | 2.3757% | 3,963 |
| Loan and lease loss provision to assets | 0.0082% | 3,680 |
| Net operating income to assets | 2.1907% | 264 |
| Return on assets (ROA) | 2.1907% | 257 |
| Pretax return on assets | 2.1907% | 395 |
| Return on Equity (ROE) | 21.3076% | 190 |
| Retained earnings to average equity (ytd only) | 7.5787% | 1,808 |
| Net charge-offs to loans | 0.0100% | 2,781 |
| Credit loss provision to net charge-offs | 120.0000% | 1,797 |
| Earnings coverage of net charge-offs (x) | 323.4000% | 284 |
| Efficiency ratio | 51.9322% | 4,898 |
| Assets per employee ($millions) | 4.5685% | 3,017 |
| Cash dividends to net income (ytd only)* | 64.4320% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,156 |
| Loan loss allowance to noncurrent loans | 170.8333% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 2,782 |
| Noncurrent loans to loans | 0.7620% | 2,213 |
| Net loans and leases to total assets | 63.9193% | 3,410 |
| Net loans and leases to deposits | 71.8094% | 3,728 |
| Net loans and leases to core deposits | 77.0201% | 3,661 |
| Total domestic deposits to total assets | 89.0125% | 930 |
| Equity capital to assets | 10.1014% | 3,538 |
| Core capital (leverage) ratio | 10.8043% | 2,693 |
| Tier 1 risk-based capital ratio | 16.2907% | 2,337 |
| Total risk-based capital ratio | 17.5411% | 2,274 |
| Memoranda: | ||
| Average total assets | $147,073,670 | 3,477 |
| Average earning assets | $138,606,330 | 3,429 |
| Average equity | $15,121,330 | 3,664 |
| Average total loans | $100,498,330 | 3,332 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 1,915 |
| Cost of funding earning assets | 0.4037% | 3,550 |
| Net interest margin | 4.0805% | 1,488 |
| Noninterest income to average assets | 0.8979% | 1,152 |
| Noninterest expense to average assets | 2.2502% | 4,292 |
| Loan and lease loss provision to assets | 0.0138% | 3,351 |
| Net operating income to assets | 2.4761% | 151 |
| Return on assets (ROA) | 2.4761% | 155 |
| Pretax return on assets | 2.4761% | 226 |
| Return on Equity (ROE) | 23.8659% | 108 |
| Retained earnings to average equity (ytd only) | 10.0083% | 1,147 |
| Net charge-offs to loans | 0.0039% | 2,599 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 904.0000% | 66 |
| Efficiency ratio | 47.4724% | 5,215 |
| Assets per employee ($millions) | 5.0566% | 2,418 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,610 |
| Loan loss allowance to noncurrent loans | 166.7539% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 2,780 |
| Noncurrent loans to loans | 0.7401% | 2,353 |
| Net loans and leases to total assets | 69.5317% | 2,557 |
| Net loans and leases to deposits | 78.2313% | 2,996 |
| Net loans and leases to core deposits | 84.1139% | 2,973 |
| Total domestic deposits to total assets | 88.8796% | 1,157 |
| Equity capital to assets | 10.2891% | 3,296 |
| Core capital (leverage) ratio | 10.7225% | 2,714 |
| Tier 1 risk-based capital ratio | 15.1380% | 2,813 |
| Total risk-based capital ratio | 16.3666% | 2,756 |
| Memoranda: | ||
| Average total assets | $145,229,500 | 3,528 |
| Average earning assets | $136,746,500 | 3,495 |
| Average equity | $15,067,500 | 3,700 |
| Average total loans | $101,929,000 | 3,327 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 2,852 |
| Cost of funding earning assets | 0.3716% | 3,502 |
| Net interest margin | 3.7850% | 2,479 |
| Noninterest income to average assets | 0.9955% | 1,028 |
| Noninterest expense to average assets | 2.3661% | 4,166 |
| Loan and lease loss provision to assets | 0.0672% | 2,857 |
| Net operating income to assets | 2.1344% | 218 |
| Return on assets (ROA) | 2.1344% | 224 |
| Pretax return on assets | 2.1344% | 363 |
| Return on Equity (ROE) | 20.7627% | 168 |
| Retained earnings to average equity (ytd only) | 6.8710% | 1,130 |
| Net charge-offs to loans | 0.0219% | 3,367 |
| Credit loss provision to net charge-offs | 436.3636% | 711 |
| Earnings coverage of net charge-offs (x) | 142.9545% | 490 |
| Efficiency ratio | 51.8008% | 5,117 |
| Assets per employee ($millions) | 4.9592% | 2,530 |
| Cash dividends to net income (ytd only)* | 66.9072% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,414 |
| Loan loss allowance to noncurrent loans | 383.6858% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,991 |
| Noncurrent loans to loans | 0.3290% | 3,591 |
| Net loans and leases to total assets | 69.0818% | 2,670 |
| Net loans and leases to deposits | 77.8425% | 3,131 |
| Net loans and leases to core deposits | 83.1425% | 3,144 |
| Total domestic deposits to total assets | 88.7455% | 1,118 |
| Equity capital to assets | 10.4625% | 3,202 |
| Core capital (leverage) ratio | 10.8844% | 2,439 |
| Tier 1 risk-based capital ratio | 15.0952% | 2,802 |
| Total risk-based capital ratio | 16.3465% | 2,744 |
| Memoranda: | ||
| Average total assets | $142,849,000 | 3,568 |
| Average earning assets | $134,821,000 | 3,531 |
| Average equity | $14,685,000 | 3,759 |
| Average total loans | $100,255,400 | 3,344 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 2,825 |
| Cost of funding earning assets | 0.3702% | 3,461 |
| Net interest margin | 3.7729% | 2,495 |
| Noninterest income to average assets | 1.0041% | 1,015 |
| Noninterest expense to average assets | 2.3168% | 4,255 |
| Loan and lease loss provision to assets | 0.0870% | 2,347 |
| Net operating income to assets | 2.1644% | 233 |
| Return on assets (ROA) | 2.1644% | 235 |
| Pretax return on assets | 2.1644% | 391 |
| Return on Equity (ROE) | 21.1490% | 169 |
| Retained earnings to average equity (ytd only) | 7.1715% | 1,599 |
| Net charge-offs to loans | 0.0240% | 2,970 |
| Credit loss provision to net charge-offs | 516.6667% | 616 |
| Earnings coverage of net charge-offs (x) | 133.7746% | 577 |
| Efficiency ratio | 50.7163% | 5,197 |
| Assets per employee ($millions) | 4.8072% | 2,687 |
| Cash dividends to net income (ytd only)* | 66.0907% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,516 |
| Loan loss allowance to noncurrent loans | 470.7407% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,329 |
| Noncurrent loans to loans | 0.2700% | 3,989 |
| Net loans and leases to total assets | 70.8168% | 2,440 |
| Net loans and leases to deposits | 80.2577% | 2,946 |
| Net loans and leases to core deposits | 86.7554% | 2,897 |
| Total domestic deposits to total assets | 88.2368% | 1,237 |
| Equity capital to assets | 10.8264% | 3,037 |
| Core capital (leverage) ratio | 10.7049% | 2,762 |
| Tier 1 risk-based capital ratio | 15.2285% | 2,824 |
| Total risk-based capital ratio | 16.4794% | 2,755 |
| Memoranda: | ||
| Average total assets | $142,606,750 | 3,608 |
| Average earning assets | $134,710,250 | 3,562 |
| Average equity | $14,594,500 | 3,804 |
| Average total loans | $100,163,750 | 3,379 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 2,909 |
| Cost of funding earning assets | 0.3695% | 3,385 |
| Net interest margin | 3.7058% | 2,637 |
| Noninterest income to average assets | 1.0009% | 1,016 |
| Noninterest expense to average assets | 2.3484% | 4,213 |
| Loan and lease loss provision to assets | 0.0125% | 3,704 |
| Net operating income to assets | 2.1438% | 241 |
| Return on assets (ROA) | 2.1577% | 237 |
| Pretax return on assets | 2.1577% | 389 |
| Return on Equity (ROE) | 21.4855% | 158 |
| Retained earnings to average equity (ytd only) | 7.3467% | 1,427 |
| Net charge-offs to loans | 0.0379% | 2,443 |
| Credit loss provision to net charge-offs | 47.3684% | 2,589 |
| Earnings coverage of net charge-offs (x) | 81.5263% | 754 |
| Efficiency ratio | 52.1323% | 5,164 |
| Assets per employee ($millions) | 4.7845% | 2,672 |
| Cash dividends to net income (ytd only)* | 65.8065% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 3,048 |
| Loan loss allowance to noncurrent loans | 432.8467% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 4,315 |
| Noncurrent loans to loans | 0.2761% | 4,052 |
| Net loans and leases to total assets | 68.3213% | 2,762 |
| Net loans and leases to deposits | 76.9439% | 3,227 |
| Net loans and leases to core deposits | 84.1904% | 3,045 |
| Total domestic deposits to total assets | 88.7937% | 1,060 |
| Equity capital to assets | 10.3584% | 3,502 |
| Core capital (leverage) ratio | 10.3925% | 3,031 |
| Tier 1 risk-based capital ratio | 14.9563% | 2,946 |
| Total risk-based capital ratio | 16.1514% | 2,904 |
| Memoranda: | ||
| Average total assets | $143,672,670 | 3,604 |
| Average earning assets | $135,842,330 | 3,559 |
| Average equity | $14,428,330 | 3,833 |
| Average total loans | $100,219,670 | 3,394 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0276% | 2,935 |
| Cost of funding earning assets | 0.3686% | 3,332 |
| Net interest margin | 3.6590% | 2,658 |
| Noninterest income to average assets | 1.1660% | 745 |
| Noninterest expense to average assets | 2.1817% | 4,695 |
| Loan and lease loss provision to assets | 0.0250% | 3,250 |
| Net operating income to assets | 2.4127% | 160 |
| Return on assets (ROA) | 2.4127% | 165 |
| Pretax return on assets | 2.4127% | 249 |
| Return on Equity (ROE) | 24.4079% | 98 |
| Retained earnings to average equity (ytd only) | 10.0503% | 797 |
| Net charge-offs to loans | 0.0357% | 2,072 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 97.3333% | 549 |
| Efficiency ratio | 47.2289% | 5,494 |
| Assets per employee ($millions) | 4.6162% | 2,983 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 3,107 |
| Loan loss allowance to noncurrent loans | 349.7076% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 4,269 |
| Noncurrent loans to loans | 0.3445% | 3,868 |
| Net loans and leases to total assets | 68.5353% | 2,600 |
| Net loans and leases to deposits | 76.9380% | 3,086 |
| Net loans and leases to core deposits | 84.1796% | 2,884 |
| Total domestic deposits to total assets | 89.0785% | 1,108 |
| Equity capital to assets | 10.1430% | 3,582 |
| Core capital (leverage) ratio | 10.3068% | 3,099 |
| Tier 1 risk-based capital ratio | 14.8864% | 3,022 |
| Total risk-based capital ratio | 16.1002% | 2,968 |
| Memoranda: | ||
| Average total assets | $143,741,500 | 3,633 |
| Average earning assets | $135,664,000 | 3,594 |
| Average equity | $14,208,500 | 3,889 |
| Average total loans | $100,704,000 | 3,409 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 2,549 |
| Cost of funding earning assets | 0.3928% | 3,067 |
| Net interest margin | 3.7883% | 2,359 |
| Noninterest income to average assets | 0.7894% | 1,788 |
| Noninterest expense to average assets | 2.2749% | 4,607 |
| Loan and lease loss provision to assets | 0.2288% | 947 |
| Net operating income to assets | 1.8588% | 400 |
| Return on assets (ROA) | 1.8567% | 417 |
| Pretax return on assets | 1.8567% | 682 |
| Return on Equity (ROE) | 19.2579% | 253 |
| Retained earnings to average equity (ytd only) | 3.5372% | 3,417 |
| Net charge-offs to loans | 0.2297% | 1,208 |
| Credit loss provision to net charge-offs | 145.5357% | 1,880 |
| Earnings coverage of net charge-offs (x) | 13.2813% | 2,379 |
| Efficiency ratio | 52.1473% | 5,372 |
| Assets per employee ($millions) | 4.8127% | 2,629 |
| Cash dividends to net income (ytd only)* | 81.6327% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 3,304 |
| Loan loss allowance to noncurrent loans | 421.1268% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 4,500 |
| Noncurrent loans to loans | 0.2781% | 4,161 |
| Net loans and leases to total assets | 69.9127% | 2,485 |
| Net loans and leases to deposits | 77.9887% | 3,104 |
| Net loans and leases to core deposits | 84.1356% | 3,010 |
| Total domestic deposits to total assets | 89.6447% | 800 |
| Equity capital to assets | 9.6288% | 4,144 |
| Core capital (leverage) ratio | 9.9294% | 3,595 |
| Tier 1 risk-based capital ratio | 14.3056% | 3,279 |
| Total risk-based capital ratio | 15.5011% | 3,243 |
| Memoranda: | ||
| Average total assets | $142,513,600 | 3,631 |
| Average earning assets | $134,415,000 | 3,583 |
| Average equity | $13,739,800 | 3,979 |
| Average total loans | $97,527,600 | 3,433 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 2,707 |
| Cost of funding earning assets | 0.3956% | 3,059 |
| Net interest margin | 3.7483% | 2,525 |
| Noninterest income to average assets | 0.7885% | 1,812 |
| Noninterest expense to average assets | 2.2706% | 4,601 |
| Loan and lease loss provision to assets | 0.3004% | 564 |
| Net operating income to assets | 1.7571% | 529 |
| Return on assets (ROA) | 1.7543% | 561 |
| Pretax return on assets | 1.7543% | 988 |
| Return on Equity (ROE) | 18.1903% | 343 |
| Retained earnings to average equity (ytd only) | 2.1314% | 4,625 |
| Net charge-offs to loans | 0.2698% | 854 |
| Credit loss provision to net charge-offs | 164.1026% | 1,679 |
| Earnings coverage of net charge-offs (x) | 11.2412% | 2,506 |
| Efficiency ratio | 52.4615% | 5,351 |
| Assets per employee ($millions) | 5.0185% | 2,354 |
| Cash dividends to net income (ytd only)* | 88.2826% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,429 |
| Loan loss allowance to noncurrent loans | 243.3134% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 3,962 |
| Noncurrent loans to loans | 0.4808% | 3,567 |
| Net loans and leases to total assets | 70.7600% | 2,381 |
| Net loans and leases to deposits | 84.8168% | 2,391 |
| Net loans and leases to core deposits | 93.8991% | 2,200 |
| Total domestic deposits to total assets | 83.4269% | 3,438 |
| Equity capital to assets | 9.9775% | 4,147 |
| Core capital (leverage) ratio | 9.7279% | 3,905 |
| Tier 1 risk-based capital ratio | 13.7565% | 3,694 |
| Total risk-based capital ratio | 14.9506% | 3,660 |
| Memoranda: | ||
| Average total assets | $142,047,000 | 3,652 |
| Average earning assets | $134,138,500 | 3,604 |
| Average equity | $13,699,250 | 4,021 |
| Average total loans | $96,375,500 | 3,465 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 2,877 |
| Cost of funding earning assets | 0.3923% | 3,126 |
| Net interest margin | 3.7040% | 2,684 |
| Noninterest income to average assets | 0.7737% | 1,831 |
| Noninterest expense to average assets | 2.3679% | 4,431 |
| Loan and lease loss provision to assets | 0.2271% | 904 |
| Net operating income to assets | 1.6766% | 606 |
| Return on assets (ROA) | 1.6766% | 645 |
| Pretax return on assets | 1.6766% | 1,152 |
| Return on Equity (ROE) | 17.5936% | 390 |
| Retained earnings to average equity (ytd only) | 0.6108% | 5,124 |
| Net charge-offs to loans | 0.3839% | 593 |
| Credit loss provision to net charge-offs | 88.8889% | 2,257 |
| Earnings coverage of net charge-offs (x) | 7.4500% | 2,629 |
| Efficiency ratio | 55.4337% | 5,204 |
| Assets per employee ($millions) | 4.7409% | 2,645 |
| Cash dividends to net income (ytd only)* | 96.5284% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,981 |
| Loan loss allowance to noncurrent loans | 238.9755% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 4,111 |
| Noncurrent loans to loans | 0.4573% | 3,729 |
| Net loans and leases to total assets | 68.2735% | 2,746 |
| Net loans and leases to deposits | 78.2983% | 3,122 |
| Net loans and leases to core deposits | 87.6746% | 2,761 |
| Total domestic deposits to total assets | 87.1966% | 1,812 |
| Equity capital to assets | 9.6584% | 4,605 |
| Core capital (leverage) ratio | 9.4502% | 4,269 |
| Tier 1 risk-based capital ratio | 13.5739% | 3,855 |
| Total risk-based capital ratio | 14.6717% | 3,861 |
| Memoranda: | ||
| Average total assets | $140,883,670 | 3,700 |
| Average earning assets | $133,047,000 | 3,645 |
| Average equity | $13,425,330 | 4,086 |
| Average total loans | $93,767,000 | 3,525 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 2,925 |
| Cost of funding earning assets | 0.3960% | 3,121 |
| Net interest margin | 3.6850% | 2,728 |
| Noninterest income to average assets | 0.7503% | 1,820 |
| Noninterest expense to average assets | 2.3022% | 4,658 |
| Loan and lease loss provision to assets | 0.2254% | 831 |
| Net operating income to assets | 1.7003% | 578 |
| Return on assets (ROA) | 1.7003% | 618 |
| Pretax return on assets | 1.7003% | 1,069 |
| Return on Equity (ROE) | 17.9660% | 355 |
| Retained earnings to average equity (ytd only) | 0.7838% | 4,906 |
| Net charge-offs to loans | 0.7558% | 271 |
| Credit loss provision to net charge-offs | 45.6647% | 2,091 |
| Earnings coverage of net charge-offs (x) | 3.9017% | 2,489 |
| Efficiency ratio | 54.4534% | 5,344 |
| Assets per employee ($millions) | 4.5865% | 2,921 |
| Cash dividends to net income (ytd only)* | 95.6376% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 4,494 |
| Loan loss allowance to noncurrent loans | 141.0437% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 3,477 |
| Noncurrent loans to loans | 0.7227% | 3,030 |
| Net loans and leases to total assets | 68.2920% | 2,613 |
| Net loans and leases to deposits | 77.9129% | 3,013 |
| Net loans and leases to core deposits | 85.3670% | 2,807 |
| Total domestic deposits to total assets | 87.6517% | 1,828 |
| Equity capital to assets | 9.4520% | 4,716 |
| Core capital (leverage) ratio | 9.4763% | 4,239 |
| Tier 1 risk-based capital ratio | 13.6059% | 3,924 |
| Total risk-based capital ratio | 14.6326% | 3,972 |
| Memoranda: | ||
| Average total assets | $140,211,500 | 3,738 |
| Average earning assets | $132,318,500 | 3,680 |
| Average equity | $13,269,500 | 4,121 |
| Average total loans | $91,562,000 | 3,586 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 2,847 |
| Cost of funding earning assets | 0.4379% | 2,757 |
| Net interest margin | 3.6817% | 2,819 |
| Noninterest income to average assets | 0.8100% | 1,748 |
| Noninterest expense to average assets | 2.3073% | 4,763 |
| Loan and lease loss provision to assets | 0.0132% | 4,147 |
| Net operating income to assets | 1.9493% | 378 |
| Return on assets (ROA) | 1.9559% | 383 |
| Pretax return on assets | 1.9567% | 592 |
| Return on Equity (ROE) | 20.2542% | 242 |
| Retained earnings to average equity (ytd only) | 2.6716% | 4,171 |
| Net charge-offs to loans | 0.0773% | 2,720 |
| Credit loss provision to net charge-offs | 26.4706% | 3,689 |
| Earnings coverage of net charge-offs (x) | 39.2794% | 1,199 |
| Efficiency ratio | 54.0275% | 5,521 |
| Assets per employee ($millions) | 4.7669% | 2,653 |
| Cash dividends to net income (ytd only)* | 86.8095% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,984 |
| Loan loss allowance to noncurrent loans | 179.6388% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 3,851 |
| Noncurrent loans to loans | 0.7163% | 3,035 |
| Net loans and leases to total assets | 60.7135% | 3,737 |
| Net loans and leases to deposits | 67.5773% | 4,164 |
| Net loans and leases to core deposits | 73.4189% | 4,002 |
| Total domestic deposits to total assets | 89.8431% | 700 |
| Equity capital to assets | 9.4762% | 4,579 |
| Core capital (leverage) ratio | 9.8274% | 3,738 |
| Tier 1 risk-based capital ratio | 15.6202% | 2,870 |
| Total risk-based capital ratio | 16.8698% | 2,809 |
| Memoranda: | ||
| Average total assets | $136,048,200 | 3,786 |
| Average earning assets | $127,876,800 | 3,745 |
| Average equity | $13,138,000 | 4,113 |
| Average total loans | $87,943,600 | 3,633 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 2,677 |
| Cost of funding earning assets | 0.4429% | 2,760 |
| Net interest margin | 3.7282% | 2,653 |
| Noninterest income to average assets | 0.7960% | 1,816 |
| Noninterest expense to average assets | 2.2445% | 4,925 |
| Loan and lease loss provision to assets | 0.0098% | 4,073 |
| Net operating income to assets | 2.0447% | 338 |
| Return on assets (ROA) | 2.0536% | 348 |
| Pretax return on assets | 2.0546% | 539 |
| Return on Equity (ROE) | 21.1645% | 212 |
| Retained earnings to average equity (ytd only) | 3.8232% | 3,753 |
| Net charge-offs to loans | 0.0887% | 2,277 |
| Credit loss provision to net charge-offs | 16.9492% | 3,387 |
| Earnings coverage of net charge-offs (x) | 35.4088% | 1,350 |
| Efficiency ratio | 52.1968% | 5,639 |
| Assets per employee ($millions) | 4.7713% | 2,596 |
| Cash dividends to net income (ytd only)* | 81.9356% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 3,158 |
| Loan loss allowance to noncurrent loans | 182.5000% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 3,995 |
| Noncurrent loans to loans | 0.7063% | 3,214 |
| Net loans and leases to total assets | 62.7701% | 3,491 |
| Net loans and leases to deposits | 70.4413% | 3,925 |
| Net loans and leases to core deposits | 76.6452% | 3,726 |
| Total domestic deposits to total assets | 89.1098% | 971 |
| Equity capital to assets | 10.0451% | 4,100 |
| Core capital (leverage) ratio | 9.8615% | 3,818 |
| Tier 1 risk-based capital ratio | 15.9277% | 2,831 |
| Total risk-based capital ratio | 17.1776% | 2,777 |
| Memoranda: | ||
| Average total assets | $135,500,000 | 3,834 |
| Average earning assets | $127,351,250 | 3,787 |
| Average equity | $13,147,500 | 4,153 |
| Average total loans | $88,673,250 | 3,649 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 2,551 |
| Cost of funding earning assets | 0.4475% | 2,758 |
| Net interest margin | 3.7486% | 2,517 |
| Noninterest income to average assets | 0.7625% | 1,937 |
| Noninterest expense to average assets | 2.1699% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1112% | 307 |
| Return on assets (ROA) | 2.1244% | 314 |
| Pretax return on assets | 2.1258% | 473 |
| Return on Equity (ROE) | 22.1496% | 192 |
| Retained earnings to average equity (ytd only) | 4.6873% | 3,058 |
| Net charge-offs to loans | 0.0044% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 719.0000% | 88 |
| Efficiency ratio | 50.6690% | 5,817 |
| Assets per employee ($millions) | 4.9708% | 2,310 |
| Cash dividends to net income (ytd only)* | 78.8382% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 3,405 |
| Loan loss allowance to noncurrent loans | 275.8454% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 4,647 |
| Noncurrent loans to loans | 0.4601% | 4,099 |
| Net loans and leases to total assets | 66.1990% | 2,917 |
| Net loans and leases to deposits | 74.0077% | 3,493 |
| Net loans and leases to core deposits | 81.5649% | 3,230 |
| Total domestic deposits to total assets | 89.4488% | 923 |
| Equity capital to assets | 9.7830% | 4,293 |
| Core capital (leverage) ratio | 9.6333% | 4,098 |
| Tier 1 risk-based capital ratio | 15.0730% | 3,314 |
| Total risk-based capital ratio | 16.3228% | 3,258 |
| Memoranda: | ||
| Average total assets | $136,134,330 | 3,850 |
| Average earning assets | $127,833,330 | 3,805 |
| Average equity | $13,056,670 | 4,197 |
| Average total loans | $89,913,000 | 3,646 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1638% | 2,587 |
| Cost of funding earning assets | 0.4478% | 2,788 |
| Net interest margin | 3.7160% | 2,569 |
| Noninterest income to average assets | 0.7411% | 1,958 |
| Noninterest expense to average assets | 2.1095% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1153% | 273 |
| Return on assets (ROA) | 2.1153% | 291 |
| Pretax return on assets | 2.1182% | 466 |
| Return on Equity (ROE) | 22.2734% | 179 |
| Retained earnings to average equity (ytd only) | 4.7619% | 3,186 |
| Net charge-offs to loans | -0.0134% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8965% | 5,920 |
| Assets per employee ($millions) | 4.7931% | 2,635 |
| Cash dividends to net income (ytd only)* | 78.6207% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 3,459 |
| Loan loss allowance to noncurrent loans | 270.5189% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 4,754 |
| Noncurrent loans to loans | 0.4767% | 4,151 |
| Net loans and leases to total assets | 63.1657% | 3,216 |
| Net loans and leases to deposits | 70.3376% | 3,717 |
| Net loans and leases to core deposits | 77.5504% | 3,425 |
| Total domestic deposits to total assets | 89.8037% | 842 |
| Equity capital to assets | 9.5294% | 4,711 |
| Core capital (leverage) ratio | 9.3824% | 4,458 |
| Tier 1 risk-based capital ratio | 15.2102% | 3,315 |
| Total risk-based capital ratio | 16.4603% | 3,239 |
| Memoranda: | ||
| Average total assets | $137,095,500 | 3,859 |
| Average earning assets | $128,631,500 | 3,816 |
| Average equity | $13,020,000 | 4,229 |
| Average total loans | $89,875,000 | 3,648 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 2,372 |
| Cost of funding earning assets | 0.4820% | 2,857 |
| Net interest margin | 3.8772% | 2,327 |
| Noninterest income to average assets | 0.8312% | 1,748 |
| Noninterest expense to average assets | 2.2719% | 5,185 |
| Loan and lease loss provision to assets | 0.0900% | 2,669 |
| Net operating income to assets | 2.1218% | 263 |
| Return on assets (ROA) | 2.1218% | 267 |
| Pretax return on assets | 2.1233% | 389 |
| Return on Equity (ROE) | 22.8921% | 154 |
| Retained earnings to average equity (ytd only) | 3.4009% | 3,787 |
| Net charge-offs to loans | 0.0147% | 4,587 |
| Credit loss provision to net charge-offs | 930.7692% | 290 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 237 |
| Efficiency ratio | 50.6547% | 6,056 |
| Assets per employee ($millions) | 4.8282% | 2,561 |
| Cash dividends to net income (ytd only)* | 85.1437% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,670 |
| Loan loss allowance to noncurrent loans | 217.9048% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 4,530 |
| Noncurrent loans to loans | 0.5782% | 3,937 |
| Net loans and leases to total assets | 66.3200% | 2,830 |
| Net loans and leases to deposits | 73.7592% | 3,465 |
| Net loans and leases to core deposits | 79.5927% | 3,338 |
| Total domestic deposits to total assets | 89.9142% | 772 |
| Equity capital to assets | 9.4637% | 4,762 |
| Core capital (leverage) ratio | 9.5640% | 4,154 |
| Tier 1 risk-based capital ratio | 14.3250% | 3,883 |
| Total risk-based capital ratio | 15.5756% | 3,818 |
| Memoranda: | ||
| Average total assets | $134,510,400 | 3,895 |
| Average earning assets | $126,768,200 | 3,826 |
| Average equity | $12,467,200 | 4,277 |
| Average total loans | $88,499,400 | 3,662 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 2,436 |
| Cost of funding earning assets | 0.4875% | 2,886 |
| Net interest margin | 3.8581% | 2,399 |
| Noninterest income to average assets | 0.8287% | 1,783 |
| Noninterest expense to average assets | 2.1934% | 5,366 |
| Loan and lease loss provision to assets | 0.0337% | 3,731 |
| Net operating income to assets | 2.2360% | 221 |
| Return on assets (ROA) | 2.2360% | 229 |
| Pretax return on assets | 2.2380% | 344 |
| Return on Equity (ROE) | 24.2535% | 120 |
| Retained earnings to average equity (ytd only) | 5.8454% | 2,506 |
| Net charge-offs to loans | 0.0121% | 4,320 |
| Credit loss provision to net charge-offs | 425.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 286.0281% | 238 |
| Efficiency ratio | 49.1220% | 6,142 |
| Assets per employee ($millions) | 4.7717% | 2,562 |
| Cash dividends to net income (ytd only)* | 75.8988% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 4,274 |
| Loan loss allowance to noncurrent loans | 164.1422% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 4,435 |
| Noncurrent loans to loans | 0.7264% | 3,785 |
| Net loans and leases to total assets | 65.8730% | 2,888 |
| Net loans and leases to deposits | 73.5650% | 3,488 |
| Net loans and leases to core deposits | 80.7626% | 3,220 |
| Total domestic deposits to total assets | 89.5440% | 964 |
| Equity capital to assets | 9.6065% | 4,662 |
| Core capital (leverage) ratio | 9.6065% | 4,232 |
| Tier 1 risk-based capital ratio | 14.7397% | 3,741 |
| Total risk-based capital ratio | 15.9442% | 3,701 |
| Memoranda: | ||
| Average total assets | $134,340,500 | 3,931 |
| Average earning assets | $126,623,000 | 3,864 |
| Average equity | $12,385,500 | 4,312 |
| Average total loans | $87,923,750 | 3,713 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,494 |
| Cost of funding earning assets | 0.4942% | 2,891 |
| Net interest margin | 3.8324% | 2,441 |
| Noninterest income to average assets | 0.8099% | 1,801 |
| Noninterest expense to average assets | 2.1756% | 5,471 |
| Loan and lease loss provision to assets | 0.0074% | 4,089 |
| Net operating income to assets | 2.2306% | 218 |
| Return on assets (ROA) | 2.2306% | 227 |
| Pretax return on assets | 2.2335% | 338 |
| Return on Equity (ROE) | 24.5348% | 120 |
| Retained earnings to average equity (ytd only) | 5.9008% | 2,381 |
| Net charge-offs to loans | 0.0023% | 4,310 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 1,508.0000% | 27 |
| Efficiency ratio | 49.2598% | 6,209 |
| Assets per employee ($millions) | 4.6884% | 2,632 |
| Cash dividends to net income (ytd only)* | 75.9494% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 4,569 |
| Loan loss allowance to noncurrent loans | 416.0000% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 5,584 |
| Noncurrent loans to loans | 0.2811% | 5,175 |
| Net loans and leases to total assets | 64.6588% | 2,971 |
| Net loans and leases to deposits | 71.8676% | 3,587 |
| Net loans and leases to core deposits | 79.3251% | 3,281 |
| Total domestic deposits to total assets | 89.9693% | 829 |
| Equity capital to assets | 9.3445% | 4,929 |
| Core capital (leverage) ratio | 9.5010% | 4,330 |
| Tier 1 risk-based capital ratio | 14.4549% | 3,957 |
| Total risk-based capital ratio | 15.6282% | 3,945 |
| Memoranda: | ||
| Average total assets | $134,585,000 | 3,950 |
| Average earning assets | $126,658,000 | 3,880 |
| Average equity | $12,235,670 | 4,352 |
| Average total loans | $87,540,670 | 3,730 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,538 |
| Cost of funding earning assets | 0.5089% | 2,808 |
| Net interest margin | 3.7867% | 2,522 |
| Noninterest income to average assets | 0.7827% | 1,829 |
| Noninterest expense to average assets | 2.2286% | 5,389 |
| Loan and lease loss provision to assets | 0.0149% | 3,633 |
| Net operating income to assets | 2.1121% | 281 |
| Return on assets (ROA) | 2.1121% | 294 |
| Pretax return on assets | 2.1181% | 414 |
| Return on Equity (ROE) | 23.5647% | 159 |
| Retained earnings to average equity (ytd only) | 4.5663% | 3,385 |
| Net charge-offs to loans | 0.0092% | 3,440 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 357.0000% | 134 |
| Efficiency ratio | 51.0959% | 6,186 |
| Assets per employee ($millions) | 4.6733% | 2,698 |
| Cash dividends to net income (ytd only)* | 80.6223% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 4,600 |
| Loan loss allowance to noncurrent loans | 412.3016% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 5,669 |
| Noncurrent loans to loans | 0.2929% | 5,241 |
| Net loans and leases to total assets | 62.7085% | 3,122 |
| Net loans and leases to deposits | 69.3658% | 3,681 |
| Net loans and leases to core deposits | 75.1027% | 3,516 |
| Total domestic deposits to total assets | 90.4027% | 858 |
| Equity capital to assets | 8.9827% | 5,135 |
| Core capital (leverage) ratio | 9.2605% | 4,633 |
| Tier 1 risk-based capital ratio | 14.7687% | 3,840 |
| Total risk-based capital ratio | 15.9875% | 3,816 |
| Memoranda: | ||
| Average total assets | $133,896,000 | 3,994 |
| Average earning assets | $126,547,500 | 3,913 |
| Average equity | $12,001,000 | 4,418 |
| Average total loans | $86,835,000 | 3,776 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,841 |
| Cost of funding earning assets | 0.6089% | 2,582 |
| Net interest margin | 3.7226% | 2,964 |
| Noninterest income to average assets | 0.8699% | 1,785 |
| Noninterest expense to average assets | 2.2478% | 5,509 |
| Loan and lease loss provision to assets | 0.0243% | 4,639 |
| Net operating income to assets | 2.0775% | 296 |
| Return on assets (ROA) | 2.0889% | 295 |
| Pretax return on assets | 2.0911% | 393 |
| Return on Equity (ROE) | 22.6020% | 188 |
| Retained earnings to average equity (ytd only) | 3.2500% | 3,917 |
| Net charge-offs to loans | 0.0319% | 4,794 |
| Credit loss provision to net charge-offs | 118.5185% | 2,023 |
| Earnings coverage of net charge-offs (x) | 102.4815% | 459 |
| Efficiency ratio | 51.6512% | 6,321 |
| Assets per employee ($millions) | 4.5609% | 2,802 |
| Cash dividends to net income (ytd only)* | 85.6207% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 4,748 |
| Loan loss allowance to noncurrent loans | 403.1128% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 5,720 |
| Noncurrent loans to loans | 0.2932% | 5,303 |
| Net loans and leases to total assets | 65.4807% | 2,776 |
| Net loans and leases to deposits | 72.3711% | 3,476 |
| Net loans and leases to core deposits | 77.1021% | 3,477 |
| Total domestic deposits to total assets | 90.4790% | 826 |
| Equity capital to assets | 8.9427% | 5,107 |
| Core capital (leverage) ratio | 9.5263% | 4,226 |
| Tier 1 risk-based capital ratio | 14.5311% | 3,937 |
| Total risk-based capital ratio | 15.7400% | 3,899 |
| Memoranda: | ||
| Average total assets | $131,506,800 | 4,041 |
| Average earning assets | $123,006,200 | 3,992 |
| Average equity | $12,153,800 | 4,414 |
| Average total loans | $84,686,800 | 3,803 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,981 |
| Cost of funding earning assets | 0.6245% | 2,613 |
| Net interest margin | 3.6787% | 3,114 |
| Noninterest income to average assets | 0.8742% | 1,845 |
| Noninterest expense to average assets | 2.2256% | 5,543 |
| Loan and lease loss provision to assets | 0.0071% | 4,837 |
| Net operating income to assets | 2.0713% | 320 |
| Return on assets (ROA) | 2.0865% | 322 |
| Pretax return on assets | 2.0895% | 479 |
| Return on Equity (ROE) | 22.3937% | 192 |
| Retained earnings to average equity (ytd only) | 3.7595% | 4,014 |
| Net charge-offs to loans | -0.0032% | 5,725 |
| Credit loss provision to net charge-offs | -350.0000% | 5,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6737% | 6,278 |
| Assets per employee ($millions) | 4.4253% | 3,002 |
| Cash dividends to net income (ytd only)* | 83.2116% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 4,649 |
| Loan loss allowance to noncurrent loans | 345.5150% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 5,741 |
| Noncurrent loans to loans | 0.3614% | 5,306 |
| Net loans and leases to total assets | 64.0937% | 2,987 |
| Net loans and leases to deposits | 71.3496% | 3,590 |
| Net loans and leases to core deposits | 76.5666% | 3,558 |
| Total domestic deposits to total assets | 89.8304% | 1,094 |
| Equity capital to assets | 9.4433% | 4,622 |
| Core capital (leverage) ratio | 9.5974% | 4,245 |
| Tier 1 risk-based capital ratio | 15.1030% | 3,684 |
| Total risk-based capital ratio | 16.3525% | 3,637 |
| Memoranda: | ||
| Average total assets | $131,317,250 | 4,082 |
| Average earning assets | $122,541,250 | 4,045 |
| Average equity | $12,235,250 | 4,452 |
| Average total loans | $83,947,500 | 3,862 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 3,045 |
| Cost of funding earning assets | 0.6330% | 2,653 |
| Net interest margin | 3.6453% | 3,197 |
| Noninterest income to average assets | 0.8722% | 1,917 |
| Noninterest expense to average assets | 2.1933% | 5,651 |
| Loan and lease loss provision to assets | 0.0106% | 4,659 |
| Net operating income to assets | 2.0588% | 323 |
| Return on assets (ROA) | 2.0588% | 339 |
| Pretax return on assets | 2.0633% | 530 |
| Return on Equity (ROE) | 22.1933% | 198 |
| Retained earnings to average equity (ytd only) | 3.6174% | 4,016 |
| Net charge-offs to loans | -0.0024% | 5,545 |
| Credit loss provision to net charge-offs | -700.0000% | 5,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3992% | 6,318 |
| Assets per employee ($millions) | 4.3755% | 3,044 |
| Cash dividends to net income (ytd only)* | 83.7004% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 4,873 |
| Loan loss allowance to noncurrent loans | 348.9933% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 5,805 |
| Noncurrent loans to loans | 0.3503% | 5,414 |
| Net loans and leases to total assets | 64.0059% | 2,912 |
| Net loans and leases to deposits | 70.8439% | 3,611 |
| Net loans and leases to core deposits | 76.7449% | 3,462 |
| Total domestic deposits to total assets | 90.3478% | 830 |
| Equity capital to assets | 9.0008% | 5,217 |
| Core capital (leverage) ratio | 9.2009% | 4,697 |
| Tier 1 risk-based capital ratio | 14.7773% | 3,925 |
| Total risk-based capital ratio | 16.0266% | 3,888 |
| Memoranda: | ||
| Average total assets | $132,311,670 | 4,092 |
| Average earning assets | $123,226,000 | 4,050 |
| Average equity | $12,274,000 | 4,469 |
| Average total loans | $84,165,330 | 3,873 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 3,110 |
| Cost of funding earning assets | 0.6386% | 2,755 |
| Net interest margin | 3.6111% | 3,213 |
| Noninterest income to average assets | 0.8672% | 1,878 |
| Noninterest expense to average assets | 2.2042% | 5,680 |
| Loan and lease loss provision to assets | 0.0211% | 4,202 |
| Net operating income to assets | 1.9874% | 348 |
| Return on assets (ROA) | 1.9874% | 375 |
| Pretax return on assets | 1.9965% | 596 |
| Return on Equity (ROE) | 21.1141% | 230 |
| Retained earnings to average equity (ytd only) | 2.8792% | 4,558 |
| Net charge-offs to loans | -0.0048% | 5,258 |
| Credit loss provision to net charge-offs | -700.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2111% | 6,365 |
| Assets per employee ($millions) | 4.6514% | 2,729 |
| Cash dividends to net income (ytd only)* | 86.3636% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 5,019 |
| Loan loss allowance to noncurrent loans | 347.8261% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 5,900 |
| Noncurrent loans to loans | 0.3554% | 5,506 |
| Net loans and leases to total assets | 61.6020% | 3,145 |
| Net loans and leases to deposits | 68.3004% | 3,741 |
| Net loans and leases to core deposits | 75.1705% | 3,448 |
| Total domestic deposits to total assets | 90.1927% | 937 |
| Equity capital to assets | 9.2587% | 5,186 |
| Core capital (leverage) ratio | 9.1283% | 4,674 |
| Tier 1 risk-based capital ratio | 15.1444% | 3,743 |
| Total risk-based capital ratio | 16.3949% | 3,695 |
| Memoranda: | ||
| Average total assets | $132,834,500 | 4,124 |
| Average earning assets | $123,398,500 | 4,081 |
| Average equity | $12,503,500 | 4,472 |
| Average total loans | $83,719,000 | 3,906 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 2,939 |
| Cost of funding earning assets | 0.7371% | 3,191 |
| Net interest margin | 3.8775% | 2,917 |
| Noninterest income to average assets | 0.9503% | 1,702 |
| Noninterest expense to average assets | 2.3241% | 5,626 |
| Loan and lease loss provision to assets | 0.0172% | 5,687 |
| Net operating income to assets | 2.2223% | 243 |
| Return on assets (ROA) | 2.2223% | 269 |
| Pretax return on assets | 2.2247% | 390 |
| Return on Equity (ROE) | 22.9756% | 181 |
| Retained earnings to average equity (ytd only) | 3.5528% | 3,715 |
| Net charge-offs to loans | 0.0274% | 5,516 |
| Credit loss provision to net charge-offs | 95.6522% | 3,248 |
| Earnings coverage of net charge-offs (x) | 124.5217% | 321 |
| Efficiency ratio | 50.9001% | 6,530 |
| Assets per employee ($millions) | 4.5096% | 2,941 |
| Cash dividends to net income (ytd only)* | 84.5368% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 4,946 |
| Loan loss allowance to noncurrent loans | 306.8452% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 5,903 |
| Noncurrent loans to loans | 0.4033% | 5,480 |
| Net loans and leases to total assets | 62.9092% | 3,075 |
| Net loans and leases to deposits | 69.9836% | 3,718 |
| Net loans and leases to core deposits | 75.6615% | 3,583 |
| Total domestic deposits to total assets | 89.8913% | 1,015 |
| Equity capital to assets | 9.5719% | 4,792 |
| Core capital (leverage) ratio | 9.4236% | 4,225 |
| Tier 1 risk-based capital ratio | 15.0519% | 3,687 |
| Total risk-based capital ratio | 16.3028% | 3,640 |
| Memoranda: | ||
| Average total assets | $127,748,800 | 4,196 |
| Average earning assets | $119,122,600 | 4,125 |
| Average equity | $12,356,600 | 4,486 |
| Average total loans | $83,999,200 | 3,908 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 3,003 |
| Cost of funding earning assets | 0.7515% | 3,344 |
| Net interest margin | 3.9010% | 2,910 |
| Noninterest income to average assets | 0.9302% | 1,733 |
| Noninterest expense to average assets | 2.2668% | 5,785 |
| Loan and lease loss provision to assets | 0.0199% | 5,550 |
| Net operating income to assets | 2.2920% | 242 |
| Return on assets (ROA) | 2.2920% | 264 |
| Pretax return on assets | 2.2951% | 404 |
| Return on Equity (ROE) | 23.6321% | 177 |
| Retained earnings to average equity (ytd only) | 5.1205% | 3,279 |
| Net charge-offs to loans | 0.0269% | 5,288 |
| Credit loss provision to net charge-offs | 111.7647% | 2,621 |
| Earnings coverage of net charge-offs (x) | 129.6837% | 337 |
| Efficiency ratio | 49.4730% | 6,626 |
| Assets per employee ($millions) | 4.3450% | 3,172 |
| Cash dividends to net income (ytd only)* | 78.3326% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 5,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 65.7493% | 2,701 |
| Net loans and leases to deposits | 73.6283% | 3,356 |
| Net loans and leases to core deposits | 79.7267% | 3,234 |
| Total domestic deposits to total assets | 89.2989% | 1,242 |
| Equity capital to assets | 10.0360% | 4,438 |
| Core capital (leverage) ratio | 9.4957% | 4,276 |
| Tier 1 risk-based capital ratio | 14.8974% | 3,920 |
| Total risk-based capital ratio | 16.1481% | 3,878 |
| Memoranda: | ||
| Average total assets | $126,991,250 | 4,253 |
| Average earning assets | $118,872,250 | 4,179 |
| Average equity | $12,316,250 | 4,536 |
| Average total loans | $84,173,250 | 3,948 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 3,108 |
| Cost of funding earning assets | 0.7624% | 3,497 |
| Net interest margin | 3.8942% | 2,933 |
| Noninterest income to average assets | 0.9425% | 1,637 |
| Noninterest expense to average assets | 2.2495% | 5,872 |
| Loan and lease loss provision to assets | 0.0094% | 5,540 |
| Net operating income to assets | 2.3296% | 225 |
| Return on assets (ROA) | 2.3296% | 259 |
| Pretax return on assets | 2.3343% | 389 |
| Return on Equity (ROE) | 24.2989% | 171 |
| Retained earnings to average equity (ytd only) | 5.6200% | 2,917 |
| Net charge-offs to loans | 0.0190% | 5,143 |
| Credit loss provision to net charge-offs | 75.0000% | 3,453 |
| Earnings coverage of net charge-offs (x) | 186.5000% | 242 |
| Efficiency ratio | 48.9740% | 6,715 |
| Assets per employee ($millions) | 4.4476% | 3,009 |
| Cash dividends to net income (ytd only)* | 76.8712% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,116 |
| Loan loss allowance to noncurrent loans | 588.0000% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 6,447 |
| Noncurrent loans to loans | 0.2128% | 6,159 |
| Net loans and leases to total assets | 62.9544% | 3,243 |
| Net loans and leases to deposits | 70.1270% | 3,870 |
| Net loans and leases to core deposits | 75.0673% | 3,874 |
| Total domestic deposits to total assets | 89.7720% | 1,059 |
| Equity capital to assets | 9.6458% | 4,845 |
| Core capital (leverage) ratio | 9.2852% | 4,473 |
| Tier 1 risk-based capital ratio | 15.0813% | 3,719 |
| Total risk-based capital ratio | 16.3321% | 3,679 |
| Memoranda: | ||
| Average total assets | $127,319,670 | 4,263 |
| Average earning assets | $119,357,670 | 4,186 |
| Average equity | $12,206,330 | 4,562 |
| Average total loans | $84,270,330 | 3,962 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 2,858 |
| Cost of funding earning assets | 0.7945% | 3,515 |
| Net interest margin | 3.9520% | 2,708 |
| Noninterest income to average assets | 0.9519% | 1,562 |
| Noninterest expense to average assets | 2.2895% | 5,793 |
| Loan and lease loss provision to assets | 0.0095% | 5,176 |
| Net operating income to assets | 2.3401% | 225 |
| Return on assets (ROA) | 2.3401% | 276 |
| Pretax return on assets | 2.3496% | 416 |
| Return on Equity (ROE) | 24.4851% | 198 |
| Retained earnings to average equity (ytd only) | 5.6249% | 3,184 |
| Net charge-offs to loans | 0.0094% | 4,599 |
| Credit loss provision to net charge-offs | 150.0000% | 1,667 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 79 |
| Efficiency ratio | 49.2517% | 6,723 |
| Assets per employee ($millions) | 4.4287% | 3,132 |
| Cash dividends to net income (ytd only)* | 77.0270% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 5,358 |
| Loan loss allowance to noncurrent loans | 586.9318% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 6,546 |
| Noncurrent loans to loans | 0.2095% | 6,266 |
| Net loans and leases to total assets | 64.6199% | 2,737 |
| Net loans and leases to deposits | 71.7986% | 3,462 |
| Net loans and leases to core deposits | 76.8765% | 3,492 |
| Total domestic deposits to total assets | 90.0016% | 1,085 |
| Equity capital to assets | 9.4689% | 4,852 |
| Core capital (leverage) ratio | 9.2188% | 4,482 |
| Tier 1 risk-based capital ratio | 14.7293% | 3,942 |
| Total risk-based capital ratio | 15.9799% | 3,896 |
| Memoranda: | ||
| Average total assets | $126,490,000 | 4,309 |
| Average earning assets | $118,318,500 | 4,243 |
| Average equity | $12,089,000 | 4,593 |
| Average total loans | $85,292,000 | 3,965 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 3,030 |
| Cost of funding earning assets | 0.9146% | 4,011 |
| Net interest margin | 4.0542% | 2,619 |
| Noninterest income to average assets | 0.9951% | 1,381 |
| Noninterest expense to average assets | 2.4522% | 5,629 |
| Loan and lease loss provision to assets | 0.0801% | 5,612 |
| Net operating income to assets | 2.2469% | 210 |
| Return on assets (ROA) | 2.2469% | 222 |
| Pretax return on assets | 2.2502% | 332 |
| Return on Equity (ROE) | 23.3753% | 151 |
| Retained earnings to average equity (ytd only) | 3.4706% | 3,747 |
| Net charge-offs to loans | 0.0515% | 5,803 |
| Credit loss provision to net charge-offs | 222.7273% | 1,089 |
| Earnings coverage of net charge-offs (x) | 64.7727% | 458 |
| Efficiency ratio | 51.2737% | 6,754 |
| Assets per employee ($millions) | 4.2948% | 3,259 |
| Cash dividends to net income (ytd only)* | 85.1528% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,430 |
| Loan loss allowance to noncurrent loans | 573.3333% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 6,593 |
| Noncurrent loans to loans | 0.2080% | 6,328 |
| Net loans and leases to total assets | 68.6694% | 2,276 |
| Net loans and leases to deposits | 76.4193% | 3,110 |
| Net loans and leases to core deposits | 82.9795% | 3,030 |
| Total domestic deposits to total assets | 89.8586% | 1,069 |
| Equity capital to assets | 9.6484% | 4,678 |
| Core capital (leverage) ratio | 9.4778% | 4,060 |
| Tier 1 risk-based capital ratio | 14.3892% | 4,051 |
| Total risk-based capital ratio | 15.6401% | 4,021 |
| Memoranda: | ||
| Average total assets | $122,299,400 | 4,338 |
| Average earning assets | $114,252,400 | 4,279 |
| Average equity | $11,756,000 | 4,607 |
| Average total loans | $85,354,800 | 3,986 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 3,178 |
| Cost of funding earning assets | 0.9339% | 4,174 |
| Net interest margin | 4.0484% | 2,695 |
| Noninterest income to average assets | 0.9923% | 1,359 |
| Noninterest expense to average assets | 2.4478% | 5,635 |
| Loan and lease loss provision to assets | 0.0263% | 6,120 |
| Net operating income to assets | 2.2978% | 211 |
| Return on assets (ROA) | 2.2978% | 227 |
| Pretax return on assets | 2.3022% | 354 |
| Return on Equity (ROE) | 23.9271% | 168 |
| Retained earnings to average equity (ytd only) | 4.4250% | 3,575 |
| Net charge-offs to loans | 0.0220% | 5,840 |
| Credit loss provision to net charge-offs | 171.4286% | 1,756 |
| Earnings coverage of net charge-offs (x) | 151.8265% | 255 |
| Efficiency ratio | 51.2497% | 6,749 |
| Assets per employee ($millions) | 3.9209% | 4,028 |
| Cash dividends to net income (ytd only)* | 81.5062% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,581 |
| Loan loss allowance to noncurrent loans | 270.6849% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 6,315 |
| Noncurrent loans to loans | 0.4327% | 5,976 |
| Net loans and leases to total assets | 68.5844% | 2,358 |
| Net loans and leases to deposits | 76.7071% | 3,213 |
| Net loans and leases to core deposits | 83.8274% | 3,086 |
| Total domestic deposits to total assets | 89.4108% | 1,188 |
| Equity capital to assets | 9.9442% | 4,420 |
| Core capital (leverage) ratio | 9.4931% | 4,155 |
| Tier 1 risk-based capital ratio | 14.7610% | 3,799 |
| Total risk-based capital ratio | 16.0108% | 3,776 |
| Memoranda: | ||
| Average total assets | $121,737,000 | 4,371 |
| Average earning assets | $113,786,250 | 4,311 |
| Average equity | $11,690,750 | 4,639 |
| Average total loans | $85,053,750 | 4,031 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 3,358 |
| Cost of funding earning assets | 0.9554% | 4,278 |
| Net interest margin | 4.0041% | 2,816 |
| Noninterest income to average assets | 0.9655% | 1,415 |
| Noninterest expense to average assets | 2.4220% | 5,777 |
| Loan and lease loss provision to assets | 0.0296% | 5,940 |
| Net operating income to assets | 2.2512% | 241 |
| Return on assets (ROA) | 2.2512% | 257 |
| Pretax return on assets | 2.2578% | 378 |
| Return on Equity (ROE) | 23.7225% | 168 |
| Retained earnings to average equity (ytd only) | 3.9970% | 3,658 |
| Net charge-offs to loans | 0.0188% | 5,577 |
| Credit loss provision to net charge-offs | 225.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 174.1250% | 208 |
| Efficiency ratio | 51.4296% | 6,833 |
| Assets per employee ($millions) | 4.0525% | 3,648 |
| Cash dividends to net income (ytd only)* | 83.1510% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 5,646 |
| Loan loss allowance to noncurrent loans | 629.2994% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 6,771 |
| Noncurrent loans to loans | 0.1868% | 6,531 |
| Net loans and leases to total assets | 68.3062% | 2,559 |
| Net loans and leases to deposits | 76.1683% | 3,434 |
| Net loans and leases to core deposits | 83.2179% | 3,333 |
| Total domestic deposits to total assets | 89.6781% | 1,132 |
| Equity capital to assets | 9.7478% | 4,465 |
| Core capital (leverage) ratio | 9.2395% | 4,337 |
| Tier 1 risk-based capital ratio | 14.8210% | 3,598 |
| Total risk-based capital ratio | 16.0712% | 3,566 |
| Memoranda: | ||
| Average total assets | $121,800,000 | 4,394 |
| Average earning assets | $113,883,670 | 4,333 |
| Average equity | $11,558,670 | 4,673 |
| Average total loans | $85,288,000 | 4,061 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 3,420 |
| Cost of funding earning assets | 0.9761% | 4,384 |
| Net interest margin | 3.9535% | 2,900 |
| Noninterest income to average assets | 0.9121% | 1,620 |
| Noninterest expense to average assets | 2.4674% | 5,683 |
| Loan and lease loss provision to assets | 0.0591% | 5,264 |
| Net operating income to assets | 2.0671% | 317 |
| Return on assets (ROA) | 2.0671% | 331 |
| Pretax return on assets | 2.0802% | 491 |
| Return on Equity (ROE) | 22.0811% | 241 |
| Retained earnings to average equity (ytd only) | 2.1030% | 4,878 |
| Net charge-offs to loans | 0.0326% | 4,641 |
| Credit loss provision to net charge-offs | 257.1429% | 1,213 |
| Earnings coverage of net charge-offs (x) | 93.1429% | 334 |
| Efficiency ratio | 53.5613% | 6,733 |
| Assets per employee ($millions) | 4.2307% | 3,396 |
| Cash dividends to net income (ytd only)* | 90.4762% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,766 |
| Loan loss allowance to noncurrent loans | 561.9318% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 6,776 |
| Noncurrent loans to loans | 0.2084% | 6,557 |
| Net loans and leases to total assets | 68.0365% | 2,543 |
| Net loans and leases to deposits | 75.4267% | 3,511 |
| Net loans and leases to core deposits | 82.9629% | 3,314 |
| Total domestic deposits to total assets | 90.2021% | 1,023 |
| Equity capital to assets | 9.2974% | 4,732 |
| Core capital (leverage) ratio | 9.1458% | 4,379 |
| Tier 1 risk-based capital ratio | 14.6392% | 3,649 |
| Total risk-based capital ratio | 15.8901% | 3,605 |
| Memoranda: | ||
| Average total assets | $121,912,000 | 4,422 |
| Average earning assets | $113,923,000 | 4,357 |
| Average equity | $11,412,500 | 4,690 |
| Average total loans | $85,916,000 | 4,084 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 3,027 |
| Cost of funding earning assets | 1.1266% | 4,986 |
| Net interest margin | 4.1939% | 2,210 |
| Noninterest income to average assets | 1.1196% | 1,177 |
| Noninterest expense to average assets | 2.5381% | 5,655 |
| Loan and lease loss provision to assets | 0.1398% | 5,784 |
| Net operating income to assets | 2.3505% | 146 |
| Return on assets (ROA) | 2.3505% | 152 |
| Pretax return on assets | 2.3539% | 234 |
| Return on Equity (ROE) | 24.9711% | 103 |
| Retained earnings to average equity (ytd only) | 4.4213% | 2,759 |
| Net charge-offs to loans | 0.0478% | 6,321 |
| Credit loss provision to net charge-offs | 397.6190% | 620 |
| Earnings coverage of net charge-offs (x) | 70.9048% | 344 |
| Efficiency ratio | 50.4410% | 7,089 |
| Assets per employee ($millions) | 4.1770% | 3,430 |
| Cash dividends to net income (ytd only)* | 82.2943% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,888 |
| Loan loss allowance to noncurrent loans | 1,843.3962% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 7,086 |
| Noncurrent loans to loans | 0.0607% | 6,970 |
| Net loans and leases to total assets | 71.3194% | 2,231 |
| Net loans and leases to deposits | 79.1462% | 3,315 |
| Net loans and leases to core deposits | 87.0317% | 3,181 |
| Total domestic deposits to total assets | 90.1110% | 1,030 |
| Equity capital to assets | 9.4259% | 4,507 |
| Core capital (leverage) ratio | 9.3696% | 3,897 |
| Tier 1 risk-based capital ratio | 14.2557% | 3,712 |
| Total risk-based capital ratio | 15.4982% | 3,668 |
| Memoranda: | ||
| Average total assets | $119,419,000 | 4,493 |
| Average earning assets | $111,400,600 | 4,435 |
| Average equity | $11,241,000 | 4,808 |
| Average total loans | $87,803,000 | 4,108 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3431% | 3,152 |
| Cost of funding earning assets | 1.1395% | 5,202 |
| Net interest margin | 4.2036% | 2,200 |
| Noninterest income to average assets | 1.1306% | 1,095 |
| Noninterest expense to average assets | 2.4965% | 5,725 |
| Loan and lease loss provision to assets | 0.0941% | 6,080 |
| Net operating income to assets | 2.4584% | 145 |
| Return on assets (ROA) | 2.4584% | 152 |
| Pretax return on assets | 2.4629% | 242 |
| Return on Equity (ROE) | 26.1260% | 95 |
| Retained earnings to average equity (ytd only) | 5.4062% | 2,704 |
| Net charge-offs to loans | 0.0288% | 6,273 |
| Credit loss provision to net charge-offs | 442.1053% | 681 |
| Earnings coverage of net charge-offs (x) | 120.1180% | 266 |
| Efficiency ratio | 49.4013% | 7,189 |
| Assets per employee ($millions) | 4.0788% | 3,684 |
| Cash dividends to net income (ytd only)* | 79.3071% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 6,142 |
| Loan loss allowance to noncurrent loans | 1,206.5789% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 7,183 |
| Noncurrent loans to loans | 0.0874% | 7,013 |
| Net loans and leases to total assets | 72.7723% | 2,059 |
| Net loans and leases to deposits | 81.1406% | 3,241 |
| Net loans and leases to core deposits | 90.0040% | 3,089 |
| Total domestic deposits to total assets | 89.6867% | 1,023 |
| Equity capital to assets | 9.6945% | 4,554 |
| Core capital (leverage) ratio | 9.4399% | 4,001 |
| Tier 1 risk-based capital ratio | 14.2910% | 3,639 |
| Total risk-based capital ratio | 15.4648% | 3,651 |
| Memoranda: | ||
| Average total assets | $118,990,250 | 4,562 |
| Average earning assets | $111,044,750 | 4,505 |
| Average equity | $11,196,750 | 4,878 |
| Average total loans | $87,911,500 | 4,174 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3189% | 3,376 |
| Cost of funding earning assets | 1.1418% | 5,453 |
| Net interest margin | 4.1771% | 2,237 |
| Noninterest income to average assets | 1.1189% | 1,047 |
| Noninterest expense to average assets | 2.4475% | 5,921 |
| Loan and lease loss provision to assets | 0.0654% | 6,295 |
| Net operating income to assets | 2.4961% | 136 |
| Return on assets (ROA) | 2.4961% | 141 |
| Pretax return on assets | 2.5028% | 231 |
| Return on Equity (ROE) | 26.7947% | 90 |
| Retained earnings to average equity (ytd only) | 5.7263% | 2,483 |
| Net charge-offs to loans | 0.0159% | 6,120 |
| Credit loss provision to net charge-offs | 557.1429% | 662 |
| Earnings coverage of net charge-offs (x) | 218.7143% | 156 |
| Efficiency ratio | 48.7960% | 7,303 |
| Assets per employee ($millions) | 3.9648% | 3,834 |
| Cash dividends to net income (ytd only)* | 78.6290% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,465 |
| Loan loss allowance to noncurrent loans | 769.5652% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 7,156 |
| Noncurrent loans to loans | 0.1279% | 7,009 |
| Net loans and leases to total assets | 74.8253% | 1,731 |
| Net loans and leases to deposits | 83.2057% | 3,033 |
| Net loans and leases to core deposits | 91.7158% | 3,025 |
| Total domestic deposits to total assets | 89.9281% | 951 |
| Equity capital to assets | 9.5313% | 4,659 |
| Core capital (leverage) ratio | 9.3457% | 4,049 |
| Tier 1 risk-based capital ratio | 13.6573% | 3,970 |
| Total risk-based capital ratio | 14.7518% | 4,028 |
| Memoranda: | ||
| Average total assets | $119,225,670 | 4,589 |
| Average earning assets | $111,226,330 | 4,529 |
| Average equity | $11,106,670 | 4,903 |
| Average total loans | $88,217,000 | 4,193 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 3,646 |
| Cost of funding earning assets | 1.1522% | 5,650 |
| Net interest margin | 4.1278% | 2,329 |
| Noninterest income to average assets | 1.0757% | 1,096 |
| Noninterest expense to average assets | 2.5200% | 5,658 |
| Loan and lease loss provision to assets | 0.0570% | 6,087 |
| Net operating income to assets | 2.3390% | 193 |
| Return on assets (ROA) | 2.3390% | 218 |
| Pretax return on assets | 2.3524% | 322 |
| Return on Equity (ROE) | 25.4014% | 150 |
| Retained earnings to average equity (ytd only) | 4.6581% | 3,347 |
| Net charge-offs to loans | 0.0046% | 5,555 |
| Credit loss provision to net charge-offs | 1,700.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 719.0000% | 31 |
| Efficiency ratio | 51.1217% | 7,231 |
| Assets per employee ($millions) | 4.1211% | 3,615 |
| Cash dividends to net income (ytd only)* | 81.6619% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 6,489 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 7,257 |
| Noncurrent loans to loans | 0.0965% | 7,154 |
| Net loans and leases to total assets | 72.0745% | 2,428 |
| Net loans and leases to deposits | 79.8223% | 3,694 |
| Net loans and leases to core deposits | 85.9882% | 3,896 |
| Total domestic deposits to total assets | 90.2938% | 836 |
| Equity capital to assets | 9.2435% | 4,928 |
| Core capital (leverage) ratio | 9.0453% | 4,483 |
| Tier 1 risk-based capital ratio | 13.9348% | 3,705 |
| Total risk-based capital ratio | 15.0506% | 3,753 |
| Memoranda: | ||
| Average total assets | $119,366,000 | 4,646 |
| Average earning assets | $111,439,000 | 4,574 |
| Average equity | $10,991,500 | 4,975 |
| Average total loans | $87,382,500 | 4,274 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4612% | 4,381 |
| Cost of funding earning assets | 1.4349% | 5,783 |
| Net interest margin | 4.0263% | 2,758 |
| Noninterest income to average assets | 1.0815% | 1,321 |
| Noninterest expense to average assets | 2.5772% | 5,877 |
| Loan and lease loss provision to assets | 0.0515% | 7,051 |
| Net operating income to assets | 2.2146% | 142 |
| Return on assets (ROA) | 2.2146% | 154 |
| Pretax return on assets | 2.2181% | 266 |
| Return on Equity (ROE) | 23.3602% | 124 |
| Retained earnings to average equity (ytd only) | 3.1792% | 2,935 |
| Net charge-offs to loans | -0.0048% | 7,716 |
| Credit loss provision to net charge-offs | -1,475.0000% | 7,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1723% | 7,306 |
| Assets per employee ($millions) | 4.2579% | 3,336 |
| Cash dividends to net income (ytd only)* | 86.3905% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,529 |
| Loan loss allowance to noncurrent loans | 579.5918% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 7,116 |
| Noncurrent loans to loans | 0.1675% | 7,004 |
| Net loans and leases to total assets | 72.8966% | 2,534 |
| Net loans and leases to deposits | 80.6473% | 3,866 |
| Net loans and leases to core deposits | 95.4372% | 4,523 |
| Total domestic deposits to total assets | 90.3893% | 785 |
| Equity capital to assets | 9.1729% | 4,883 |
| Core capital (leverage) ratio | 9.3463% | 3,907 |
| Tier 1 risk-based capital ratio | 13.6806% | 3,695 |
| Total risk-based capital ratio | 14.7686% | 3,753 |
| Memoranda: | ||
| Average total assets | $114,465,400 | 4,707 |
| Average earning assets | $107,046,600 | 4,654 |
| Average equity | $10,851,800 | 5,061 |
| Average total loans | $84,180,800 | 4,380 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5164% | 4,335 |
| Cost of funding earning assets | 1.4866% | 5,876 |
| Net interest margin | 4.0298% | 2,683 |
| Noninterest income to average assets | 1.0676% | 1,390 |
| Noninterest expense to average assets | 2.5530% | 5,884 |
| Loan and lease loss provision to assets | 0.0424% | 6,943 |
| Net operating income to assets | 2.2387% | 168 |
| Return on assets (ROA) | 2.2387% | 183 |
| Pretax return on assets | 2.2434% | 319 |
| Return on Equity (ROE) | 23.4143% | 154 |
| Retained earnings to average equity (ytd only) | 3.4715% | 3,354 |
| Net charge-offs to loans | -0.0128% | 7,714 |
| Credit loss provision to net charge-offs | -450.0000% | 7,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7609% | 7,351 |
| Assets per employee ($millions) | 3.8171% | 4,153 |
| Cash dividends to net income (ytd only)* | 85.1735% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 6,149 |
| Loan loss allowance to noncurrent loans | 493.4911% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 7,093 |
| Noncurrent loans to loans | 0.2072% | 6,981 |
| Net loans and leases to total assets | 72.9198% | 2,816 |
| Net loans and leases to deposits | 81.4597% | 4,120 |
| Net loans and leases to core deposits | 98.4438% | 4,561 |
| Total domestic deposits to total assets | 89.5164% | 954 |
| Equity capital to assets | 9.8584% | 4,264 |
| Core capital (leverage) ratio | 9.4657% | 3,955 |
| Tier 1 risk-based capital ratio | 14.7726% | 3,148 |
| Total risk-based capital ratio | 15.9294% | 3,133 |
| Memoranda: | ||
| Average total assets | $113,276,500 | 4,776 |
| Average earning assets | $106,008,750 | 4,710 |
| Average equity | $10,830,750 | 5,103 |
| Average total loans | $83,286,000 | 4,440 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5120% | 4,559 |
| Cost of funding earning assets | 1.5106% | 6,097 |
| Net interest margin | 4.0014% | 2,696 |
| Noninterest income to average assets | 1.0058% | 1,578 |
| Noninterest expense to average assets | 2.4655% | 6,241 |
| Loan and lease loss provision to assets | 0.0386% | 6,852 |
| Net operating income to assets | 2.2359% | 182 |
| Return on assets (ROA) | 2.2359% | 201 |
| Pretax return on assets | 2.2429% | 326 |
| Return on Equity (ROE) | 23.6223% | 171 |
| Retained earnings to average equity (ytd only) | 3.6285% | 3,282 |
| Net charge-offs to loans | -0.0310% | 7,783 |
| Credit loss provision to net charge-offs | -169.2308% | 6,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9380% | 7,516 |
| Assets per employee ($millions) | 3.9413% | 3,795 |
| Cash dividends to net income (ytd only)* | 84.6395% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 6,176 |
| Loan loss allowance to noncurrent loans | 1,163.3803% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 7,372 |
| Noncurrent loans to loans | 0.0867% | 7,308 |
| Net loans and leases to total assets | 70.9459% | 3,474 |
| Net loans and leases to deposits | 78.8642% | 4,721 |
| Net loans and leases to core deposits | 94.3367% | 5,077 |
| Total domestic deposits to total assets | 89.9595% | 854 |
| Equity capital to assets | 9.4596% | 4,661 |
| Core capital (leverage) ratio | 9.2852% | 4,187 |
| Tier 1 risk-based capital ratio | 14.5570% | 3,216 |
| Total risk-based capital ratio | 15.6952% | 3,220 |
| Memoranda: | ||
| Average total assets | $114,136,330 | 4,772 |
| Average earning assets | $106,711,670 | 4,707 |
| Average equity | $10,803,330 | 5,136 |
| Average total loans | $83,863,330 | 4,467 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6191% | 4,247 |
| Cost of funding earning assets | 1.5362% | 6,286 |
| Net interest margin | 4.0829% | 2,348 |
| Noninterest income to average assets | 0.9399% | 1,692 |
| Noninterest expense to average assets | 2.3111% | 6,500 |
| Loan and lease loss provision to assets | 0.0421% | 6,444 |
| Net operating income to assets | 2.3848% | 162 |
| Return on assets (ROA) | 2.3848% | 191 |
| Pretax return on assets | 2.3988% | 302 |
| Return on Equity (ROE) | 25.1875% | 181 |
| Retained earnings to average equity (ytd only) | 4.0745% | 3,631 |
| Net charge-offs to loans | -0.0141% | 7,359 |
| Credit loss provision to net charge-offs | -400.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6347% | 7,691 |
| Assets per employee ($millions) | 3.8034% | 4,084 |
| Cash dividends to net income (ytd only)* | 83.8235% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 6,485 |
| Loan loss allowance to noncurrent loans | 1,340.0000% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 7,368 |
| Noncurrent loans to loans | 0.0709% | 7,322 |
| Net loans and leases to total assets | 73.4135% | 2,912 |
| Net loans and leases to deposits | 81.5036% | 4,368 |
| Net loans and leases to core deposits | 98.1384% | 4,726 |
| Total domestic deposits to total assets | 90.0739% | 766 |
| Equity capital to assets | 9.4432% | 4,752 |
| Core capital (leverage) ratio | 9.1760% | 4,441 |
| Tier 1 risk-based capital ratio | 14.1554% | 3,500 |
| Total risk-based capital ratio | 15.2416% | 3,514 |
| Memoranda: | ||
| Average total assets | $114,056,000 | 4,801 |
| Average earning assets | $106,493,500 | 4,735 |
| Average equity | $10,799,000 | 5,162 |
| Average total loans | $84,837,500 | 4,466 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1295% | 4,900 |
| Cost of funding earning assets | 2.1241% | 5,954 |
| Net interest margin | 4.0054% | 3,085 |
| Noninterest income to average assets | 1.1238% | 1,235 |
| Noninterest expense to average assets | 2.4364% | 6,272 |
| Loan and lease loss provision to assets | 0.0556% | 6,715 |
| Net operating income to assets | 2.3720% | 166 |
| Return on assets (ROA) | 2.3720% | 162 |
| Pretax return on assets | 2.3755% | 259 |
| Return on Equity (ROE) | 25.5210% | 126 |
| Retained earnings to average equity (ytd only) | 1.0733% | 4,580 |
| Net charge-offs to loans | 0.1166% | 5,097 |
| Credit loss provision to net charge-offs | 66.3158% | 6,136 |
| Earnings coverage of net charge-offs (x) | 28.9895% | 1,197 |
| Efficiency ratio | 50.0544% | 7,661 |
| Assets per employee ($millions) | 3.8003% | 3,958 |
| Cash dividends to net income (ytd only)* | 95.7946% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 6,518 |
| Loan loss allowance to noncurrent loans | 6,583.3333% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 7,454 |
| Noncurrent loans to loans | 0.0141% | 7,481 |
| Net loans and leases to total assets | 73.9538% | 3,112 |
| Net loans and leases to deposits | 82.1078% | 4,712 |
| Net loans and leases to core deposits | 97.3974% | 5,111 |
| Total domestic deposits to total assets | 90.0692% | 623 |
| Equity capital to assets | 9.4931% | 4,704 |
| Core capital (leverage) ratio | 9.4093% | 4,143 |
| Tier 1 risk-based capital ratio | 14.0239% | 3,537 |
| Total risk-based capital ratio | 15.0925% | 3,545 |
| Memoranda: | ||
| Average total assets | $113,281,400 | 4,686 |
| Average earning assets | $105,881,000 | 4,616 |
| Average equity | $10,528,600 | 5,252 |
| Average total loans | $81,462,200 | 4,479 |