Home > Landmark Bank > Performance and Condition Ratios
Landmark Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 1,103 |
| Cost of funding earning assets | 1.3764% | 2,290 |
| Net interest margin | 4.1707% | 977 |
| Noninterest income to average assets | 2.8700% | 191 |
| Noninterest expense to average assets | 4.3612% | 297 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 1.9710% | 489 |
| Return on assets (ROA) | 1.7494% | 635 |
| Pretax return on assets | 1.7494% | 963 |
| Return on Equity (ROE) | 20.9100% | 540 |
| Retained earnings to average equity (ytd only) | 8.2274% | 1,472 |
| Net charge-offs to loans | 0.3610% | 298 |
| Credit loss provision to net charge-offs | 131.4050% | 1,588 |
| Earnings coverage of net charge-offs (x) | 9.0868% | 2,312 |
| Efficiency ratio | 65.4300% | 2,425 |
| Assets per employee ($millions) | 4.3628% | 4,011 |
| Cash dividends to net income (ytd only)* | 60.6469% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,155 |
| Loan loss allowance to noncurrent loans | 59.9110% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.8289% | 173 |
| Noncurrent loans to loans | 2.0421% | 271 |
| Net loans and leases to total assets | 67.4700% | 2,093 |
| Net loans and leases to deposits | 77.1192% | 2,348 |
| Net loans and leases to core deposits | 88.1256% | 2,170 |
| Total domestic deposits to total assets | 87.4900% | 1,521 |
| Equity capital to assets | 8.1126% | 3,344 |
| Core capital (leverage) ratio | 9.9481% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $190,864,800 | 3,046 |
| Average earning assets | $173,495,400 | 3,063 |
| Average equity | $15,971,000 | 3,185 |
| Average total loans | $134,083,200 | 2,823 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5176% | 994 |
| Cost of funding earning assets | 1.2629% | 2,246 |
| Net interest margin | 4.2547% | 858 |
| Noninterest income to average assets | 3.9800% | 154 |
| Noninterest expense to average assets | 4.2170% | 313 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 3.1931% | 161 |
| Return on assets (ROA) | 3.1931% | 160 |
| Pretax return on assets | 3.1931% | 202 |
| Return on Equity (ROE) | 37.8400% | 132 |
| Retained earnings to average equity (ytd only) | 33.6029% | 63 |
| Net charge-offs to loans | 0.4126% | 204 |
| Credit loss provision to net charge-offs | 147.3039% | 1,338 |
| Earnings coverage of net charge-offs (x) | 12.4044% | 2,070 |
| Efficiency ratio | 53.7850% | 3,603 |
| Assets per employee ($millions) | 4.0211% | 4,161 |
| Cash dividends to net income (ytd only)* | 11.1883% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 1,876 |
| Loan loss allowance to noncurrent loans | 50.4505% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 2.5034% | 96 |
| Noncurrent loans to loans | 2.5740% | 191 |
| Net loans and leases to total assets | 70.5700% | 1,762 |
| Net loans and leases to deposits | 82.1081% | 1,892 |
| Net loans and leases to core deposits | 91.4895% | 1,833 |
| Total domestic deposits to total assets | 85.9400% | 2,216 |
| Equity capital to assets | 9.2382% | 2,266 |
| Core capital (leverage) ratio | 11.5800% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $186,227,500 | 3,087 |
| Average earning assets | $168,814,000 | 3,113 |
| Average equity | $15,716,500 | 3,199 |
| Average total loans | $131,844,000 | 2,848 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4094% | 943 |
| Cost of funding earning assets | 1.0910% | 2,303 |
| Net interest margin | 4.3184% | 786 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 3.8475% | 385 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4142% | 3,980 |
| Return on assets (ROA) | 0.4142% | 3,984 |
| Pretax return on assets | 0.4142% | 4,099 |
| Return on Equity (ROE) | 5.0800% | 3,865 |
| Retained earnings to average equity (ytd only) | 2.9311% | 3,494 |
| Net charge-offs to loans | 0.0786% | 797 |
| Credit loss provision to net charge-offs | 137.2549% | 1,251 |
| Earnings coverage of net charge-offs (x) | 8.8431% | 2,042 |
| Efficiency ratio | 88.6967% | 399 |
| Assets per employee ($millions) | 3.8557% | 4,241 |
| Cash dividends to net income (ytd only)* | 42.2572% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 2,552 |
| Loan loss allowance to noncurrent loans | 41.7656% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 2.6092% | 94 |
| Noncurrent loans to loans | 2.8225% | 156 |
| Net loans and leases to total assets | 73.2900% | 1,369 |
| Net loans and leases to deposits | 84.3078% | 1,646 |
| Net loans and leases to core deposits | 93.8326% | 1,576 |
| Total domestic deposits to total assets | 86.9300% | 1,950 |
| Equity capital to assets | 8.1411% | 3,127 |
| Core capital (leverage) ratio | 9.8470% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $183,965,333 | 3,106 |
| Average earning assets | $166,266,667 | 3,142 |
| Average equity | $15,011,667 | 3,268 |
| Average total loans | $129,793,000 | 2,864 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 894 |
| Cost of funding earning assets | 0.8307% | 2,594 |
| Net interest margin | 4.4156% | 661 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 3.6661% | 455 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.6608% | 3,551 |
| Return on assets (ROA) | 0.6608% | 3,505 |
| Pretax return on assets | 0.6608% | 3,737 |
| Return on Equity (ROE) | 8.0900% | 3,266 |
| Retained earnings to average equity (ytd only) | 8.0886% | 2,191 |
| Net charge-offs to loans | 0.1396% | 479 |
| Credit loss provision to net charge-offs | 75.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 7.6364% | 1,748 |
| Efficiency ratio | 83.3416% | 625 |
| Assets per employee ($millions) | 3.8219% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 2,453 |
| Loan loss allowance to noncurrent loans | 48.3262% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.3118% | 90 |
| Noncurrent loans to loans | 2.5242% | 191 |
| Net loans and leases to total assets | 70.1000% | 1,621 |
| Net loans and leases to deposits | 82.5691% | 1,611 |
| Net loans and leases to core deposits | 87.7979% | 1,756 |
| Total domestic deposits to total assets | 84.9000% | 2,879 |
| Equity capital to assets | 8.3691% | 2,992 |
| Core capital (leverage) ratio | 10.2086% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $183,411,000 | 3,151 |
| Average earning assets | $164,689,000 | 3,198 |
| Average equity | $14,984,000 | 3,306 |
| Average total loans | $126,062,500 | 2,919 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 523 |
| Cost of funding earning assets | 0.4015% | 2,087 |
| Net interest margin | 4.2887% | 438 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 3.2740% | 653 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0601% | 2,335 |
| Return on assets (ROA) | 1.0601% | 2,279 |
| Pretax return on assets | 1.0601% | 2,890 |
| Return on Equity (ROE) | 12.1600% | 2,090 |
| Retained earnings to average equity (ytd only) | 0.9223% | 4,216 |
| Net charge-offs to loans | -0.0089% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3776% | 1,176 |
| Assets per employee ($millions) | 4.0750% | 4,257 |
| Cash dividends to net income (ytd only)* | 92.4156% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 1,850 |
| Loan loss allowance to noncurrent loans | 86.6125% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 202 |
| Noncurrent loans to loans | 1.5130% | 428 |
| Net loans and leases to total assets | 65.6300% | 2,076 |
| Net loans and leases to deposits | 76.8771% | 2,046 |
| Net loans and leases to core deposits | 78.2864% | 2,254 |
| Total domestic deposits to total assets | 85.3700% | 2,891 |
| Equity capital to assets | 7.9701% | 3,077 |
| Core capital (leverage) ratio | 10.2848% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $181,584,400 | 3,175 |
| Average earning assets | $163,405,400 | 3,216 |
| Average equity | $15,830,800 | 3,291 |
| Average total loans | $111,881,400 | 3,007 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 481 |
| Cost of funding earning assets | 0.3605% | 1,616 |
| Net interest margin | 4.1599% | 458 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 3.0959% | 791 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1843% | 1,755 |
| Return on assets (ROA) | 1.1843% | 1,728 |
| Pretax return on assets | 1.1843% | 2,427 |
| Return on Equity (ROE) | 13.3000% | 1,617 |
| Retained earnings to average equity (ytd only) | 5.3961% | 2,955 |
| Net charge-offs to loans | -0.0122% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.2037% | 1,618 |
| Assets per employee ($millions) | 4.2449% | 4,196 |
| Cash dividends to net income (ytd only)* | 59.4158% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,632 |
| Loan loss allowance to noncurrent loans | 91.9109% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.4578% | 236 |
| Noncurrent loans to loans | 1.5154% | 465 |
| Net loans and leases to total assets | 60.8200% | 2,420 |
| Net loans and leases to deposits | 71.3993% | 2,257 |
| Net loans and leases to core deposits | 72.1820% | 2,472 |
| Total domestic deposits to total assets | 85.1800% | 3,241 |
| Equity capital to assets | 8.0112% | 2,886 |
| Core capital (leverage) ratio | 10.3215% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $181,137,250 | 3,195 |
| Average earning assets | $163,844,500 | 3,237 |
| Average equity | $16,134,750 | 3,301 |
| Average total loans | $109,366,000 | 3,046 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 524 |
| Cost of funding earning assets | 0.3475% | 1,289 |
| Net interest margin | 3.9562% | 545 |
| Noninterest income to average assets | 0.6465% | 1,558 |
| Noninterest expense to average assets | 3.0685% | 764 |
| Loan and lease loss provision to assets | 0.0675% | 1,405 |
| Net operating income to assets | 1.1269% | 1,677 |
| Return on assets (ROA) | 1.1269% | 1,654 |
| Pretax return on assets | 1.1269% | 2,316 |
| Return on Equity (ROE) | 12.2366% | 1,607 |
| Retained earnings to average equity (ytd only) | 4.0508% | 3,063 |
| Net charge-offs to loans | -0.0129% | 3,692 |
| Credit loss provision to net charge-offs | -871.4286% | 3,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9813% | 1,730 |
| Assets per employee ($millions) | 4.2836% | 4,214 |
| Cash dividends to net income (ytd only)* | 66.8959% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,852 |
| Loan loss allowance to noncurrent loans | 111.5636% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 308 |
| Noncurrent loans to loans | 1.2340% | 642 |
| Net loans and leases to total assets | 61.0830% | 2,214 |
| Net loans and leases to deposits | 72.1688% | 2,011 |
| Net loans and leases to core deposits | 74.5723% | 2,121 |
| Total domestic deposits to total assets | 84.6391% | 3,558 |
| Equity capital to assets | 8.5231% | 2,744 |
| Core capital (leverage) ratio | 10.1214% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,672,333 | 3,239 |
| Average earning assets | $165,160,333 | 3,270 |
| Average equity | $16,638,667 | 3,347 |
| Average total loans | $108,296,000 | 3,088 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 448 |
| Cost of funding earning assets | 0.3396% | 1,289 |
| Net interest margin | 3.9476% | 452 |
| Noninterest income to average assets | 0.4131% | 2,601 |
| Noninterest expense to average assets | 3.0643% | 733 |
| Loan and lease loss provision to assets | 0.0685% | 1,199 |
| Net operating income to assets | 0.9014% | 2,264 |
| Return on assets (ROA) | 0.9014% | 2,265 |
| Pretax return on assets | 0.9014% | 2,773 |
| Return on Equity (ROE) | 9.4384% | 2,174 |
| Retained earnings to average equity (ytd only) | -3.4237% | 4,340 |
| Net charge-offs to loans | -0.0300% | 4,087 |
| Credit loss provision to net charge-offs | -387.5000% | 3,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9584% | 1,529 |
| Assets per employee ($millions) | 4.2971% | 4,252 |
| Cash dividends to net income (ytd only)* | 136.2745% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 2,016 |
| Loan loss allowance to noncurrent loans | 207.8729% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 397 |
| Noncurrent loans to loans | 0.6606% | 1,435 |
| Net loans and leases to total assets | 59.8920% | 2,082 |
| Net loans and leases to deposits | 71.1148% | 1,855 |
| Net loans and leases to core deposits | 73.5101% | 1,976 |
| Total domestic deposits to total assets | 84.2188% | 3,723 |
| Equity capital to assets | 9.0088% | 2,702 |
| Core capital (leverage) ratio | 9.9093% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,053,000 | 3,244 |
| Average earning assets | $166,076,500 | 3,265 |
| Average equity | $17,291,000 | 3,378 |
| Average total loans | $106,729,500 | 3,100 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2685% | 64 |
| Cost of funding earning assets | 0.4082% | 1,481 |
| Net interest margin | 5.8603% | 60 |
| Noninterest income to average assets | 1.3675% | 585 |
| Noninterest expense to average assets | 3.4824% | 488 |
| Loan and lease loss provision to assets | 0.3643% | 196 |
| Net operating income to assets | 2.8989% | 107 |
| Return on assets (ROA) | 2.8788% | 110 |
| Pretax return on assets | 2.8788% | 163 |
| Return on Equity (ROE) | 28.0729% | 84 |
| Retained earnings to average equity (ytd only) | 21.0620% | 48 |
| Net charge-offs to loans | 0.1523% | 632 |
| Credit loss provision to net charge-offs | 382.1656% | 933 |
| Earnings coverage of net charge-offs (x) | 34.2293% | 1,518 |
| Efficiency ratio | 51.6248% | 4,146 |
| Assets per employee ($millions) | 4.3244% | 4,254 |
| Cash dividends to net income (ytd only)* | 24.9736% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,883 |
| Loan loss allowance to noncurrent loans | 146.4535% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.2377% | 389 |
| Noncurrent loans to loans | 0.9638% | 1,041 |
| Net loans and leases to total assets | 56.3768% | 2,556 |
| Net loans and leases to deposits | 67.7440% | 2,332 |
| Net loans and leases to core deposits | 69.0337% | 2,546 |
| Total domestic deposits to total assets | 83.2205% | 3,762 |
| Equity capital to assets | 10.0883% | 2,573 |
| Core capital (leverage) ratio | 10.5192% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,684,400 | 3,349 |
| Average earning assets | $151,136,200 | 3,369 |
| Average equity | $16,888,200 | 3,473 |
| Average total loans | $103,108,400 | 3,158 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9370% | 44 |
| Cost of funding earning assets | 0.4333% | 1,464 |
| Net interest margin | 6.5037% | 42 |
| Noninterest income to average assets | 1.6994% | 441 |
| Noninterest expense to average assets | 3.2990% | 600 |
| Loan and lease loss provision to assets | 0.4942% | 109 |
| Net operating income to assets | 3.8549% | 71 |
| Return on assets (ROA) | 3.8549% | 72 |
| Pretax return on assets | 3.8549% | 93 |
| Return on Equity (ROE) | 37.4190% | 49 |
| Retained earnings to average equity (ytd only) | 32.4825% | 21 |
| Net charge-offs to loans | 0.2021% | 414 |
| Credit loss provision to net charge-offs | 381.4103% | 886 |
| Earnings coverage of net charge-offs (x) | 33.5513% | 1,464 |
| Efficiency ratio | 43.1334% | 4,621 |
| Assets per employee ($millions) | 3.8842% | 4,510 |
| Cash dividends to net income (ytd only)* | 13.1925% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 2,030 |
| Loan loss allowance to noncurrent loans | 107.5735% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.6955% | 260 |
| Noncurrent loans to loans | 1.2990% | 832 |
| Net loans and leases to total assets | 63.2813% | 1,863 |
| Net loans and leases to deposits | 78.2799% | 1,460 |
| Net loans and leases to core deposits | 79.9910% | 1,734 |
| Total domestic deposits to total assets | 80.8398% | 4,116 |
| Equity capital to assets | 11.5953% | 1,608 |
| Core capital (leverage) ratio | 11.2201% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,449,000 | 3,424 |
| Average earning assets | $146,765,000 | 3,441 |
| Average equity | $16,529,500 | 3,548 |
| Average total loans | $102,920,250 | 3,206 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1559% | 40 |
| Cost of funding earning assets | 0.4615% | 1,436 |
| Net interest margin | 6.6943% | 38 |
| Noninterest income to average assets | 0.4049% | 3,088 |
| Noninterest expense to average assets | 3.2365% | 678 |
| Loan and lease loss provision to assets | 0.0752% | 1,579 |
| Net operating income to assets | 3.2202% | 104 |
| Return on assets (ROA) | 3.2202% | 107 |
| Pretax return on assets | 3.2202% | 147 |
| Return on Equity (ROE) | 32.6554% | 77 |
| Retained earnings to average equity (ytd only) | 26.9734% | 58 |
| Net charge-offs to loans | 0.0801% | 869 |
| Credit loss provision to net charge-offs | 146.3415% | 1,174 |
| Earnings coverage of net charge-offs (x) | 64.1220% | 944 |
| Efficiency ratio | 49.5490% | 4,268 |
| Assets per employee ($millions) | 3.7708% | 4,568 |
| Cash dividends to net income (ytd only)* | 17.3998% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 3,857 |
| Loan loss allowance to noncurrent loans | 77.2424% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.9328% | 227 |
| Noncurrent loans to loans | 1.2816% | 922 |
| Net loans and leases to total assets | 65.8046% | 1,708 |
| Net loans and leases to deposits | 80.7359% | 1,359 |
| Net loans and leases to core deposits | 82.8666% | 1,650 |
| Total domestic deposits to total assets | 81.5059% | 4,012 |
| Equity capital to assets | 10.7549% | 2,179 |
| Core capital (leverage) ratio | 10.2990% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,553,667 | 3,438 |
| Average earning assets | $146,033,667 | 3,459 |
| Average equity | $15,734,000 | 3,610 |
| Average total loans | $102,328,000 | 3,222 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 227 |
| Cost of funding earning assets | 0.4897% | 1,456 |
| Net interest margin | 4.8285% | 233 |
| Noninterest income to average assets | 0.4621% | 2,782 |
| Noninterest expense to average assets | 3.2271% | 689 |
| Loan and lease loss provision to assets | 0.0774% | 1,643 |
| Net operating income to assets | 1.5661% | 1,185 |
| Return on assets (ROA) | 1.5661% | 1,246 |
| Pretax return on assets | 1.5661% | 1,818 |
| Return on Equity (ROE) | 16.6263% | 906 |
| Retained earnings to average equity (ytd only) | 13.5238% | 811 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2564% | 2,187 |
| Assets per employee ($millions) | 4.0297% | 4,464 |
| Cash dividends to net income (ytd only)* | 18.6603% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,725 |
| Loan loss allowance to noncurrent loans | 61.2791% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 2.2408% | 204 |
| Noncurrent loans to loans | 1.6802% | 717 |
| Net loans and leases to total assets | 62.8529% | 2,190 |
| Net loans and leases to deposits | 75.8948% | 1,920 |
| Net loans and leases to core deposits | 77.9815% | 2,187 |
| Total domestic deposits to total assets | 82.8158% | 3,737 |
| Equity capital to assets | 9.3964% | 3,292 |
| Core capital (leverage) ratio | 9.4322% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,143,000 | 3,432 |
| Average earning assets | $146,215,500 | 3,459 |
| Average equity | $15,084,500 | 3,674 |
| Average total loans | $100,862,000 | 3,248 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 963 |
| Cost of funding earning assets | 0.6875% | 1,788 |
| Net interest margin | 3.9730% | 1,037 |
| Noninterest income to average assets | 0.4633% | 2,801 |
| Noninterest expense to average assets | 3.3831% | 804 |
| Loan and lease loss provision to assets | 0.1261% | 2,782 |
| Net operating income to assets | 0.5675% | 3,853 |
| Return on assets (ROA) | 0.6405% | 3,747 |
| Pretax return on assets | 0.6405% | 3,995 |
| Return on Equity (ROE) | 6.6595% | 3,348 |
| Retained earnings to average equity (ytd only) | 2.4775% | 3,615 |
| Net charge-offs to loans | 0.0210% | 2,642 |
| Credit loss provision to net charge-offs | 904.7619% | 829 |
| Earnings coverage of net charge-offs (x) | 49.7619% | 1,203 |
| Efficiency ratio | 82.9860% | 694 |
| Assets per employee ($millions) | 3.9774% | 4,392 |
| Cash dividends to net income (ytd only)* | 62.7979% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,761 |
| Loan loss allowance to noncurrent loans | 62.0752% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 2.1201% | 257 |
| Noncurrent loans to loans | 1.6586% | 785 |
| Net loans and leases to total assets | 61.8082% | 2,633 |
| Net loans and leases to deposits | 74.5493% | 2,433 |
| Net loans and leases to core deposits | 76.9282% | 2,640 |
| Total domestic deposits to total assets | 82.9092% | 3,438 |
| Equity capital to assets | 9.4427% | 3,666 |
| Core capital (leverage) ratio | 9.1529% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,660,000 | 3,402 |
| Average earning assets | $137,023,800 | 3,420 |
| Average equity | $14,490,600 | 3,693 |
| Average total loans | $100,026,200 | 3,228 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 926 |
| Cost of funding earning assets | 0.7150% | 1,932 |
| Net interest margin | 4.0556% | 988 |
| Noninterest income to average assets | 0.4730% | 2,729 |
| Noninterest expense to average assets | 3.3290% | 864 |
| Loan and lease loss provision to assets | 0.1717% | 2,268 |
| Net operating income to assets | 0.6534% | 3,617 |
| Return on assets (ROA) | 0.7100% | 3,530 |
| Pretax return on assets | 0.7100% | 3,881 |
| Return on Equity (ROE) | 7.3456% | 3,075 |
| Retained earnings to average equity (ytd only) | 2.8045% | 3,606 |
| Net charge-offs to loans | 0.0293% | 2,251 |
| Credit loss provision to net charge-offs | 868.1818% | 923 |
| Earnings coverage of net charge-offs (x) | 41.7727% | 1,331 |
| Efficiency ratio | 80.1426% | 860 |
| Assets per employee ($millions) | 3.9736% | 4,336 |
| Cash dividends to net income (ytd only)* | 61.8205% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,714 |
| Loan loss allowance to noncurrent loans | 51.8481% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.3449% | 238 |
| Noncurrent loans to loans | 1.9253% | 650 |
| Net loans and leases to total assets | 63.8969% | 2,781 |
| Net loans and leases to deposits | 77.1198% | 2,640 |
| Net loans and leases to core deposits | 83.6049% | 2,518 |
| Total domestic deposits to total assets | 82.8541% | 3,181 |
| Equity capital to assets | 9.3688% | 3,800 |
| Core capital (leverage) ratio | 9.1224% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,550,750 | 3,411 |
| Average earning assets | $134,821,000 | 3,432 |
| Average equity | $14,357,500 | 3,715 |
| Average total loans | $100,193,250 | 3,236 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 1,013 |
| Cost of funding earning assets | 0.7357% | 2,197 |
| Net interest margin | 4.1424% | 1,034 |
| Noninterest income to average assets | 0.4783% | 2,663 |
| Noninterest expense to average assets | 3.3635% | 903 |
| Loan and lease loss provision to assets | 0.2633% | 1,614 |
| Net operating income to assets | 0.6079% | 3,716 |
| Return on assets (ROA) | 0.6079% | 3,791 |
| Pretax return on assets | 0.6079% | 4,046 |
| Return on Equity (ROE) | 6.2202% | 3,433 |
| Retained earnings to average equity (ytd only) | 2.9479% | 3,413 |
| Net charge-offs to loans | 0.0382% | 1,981 |
| Credit loss provision to net charge-offs | 1,005.2632% | 786 |
| Earnings coverage of net charge-offs (x) | 33.2632% | 1,363 |
| Efficiency ratio | 79.4271% | 932 |
| Assets per employee ($millions) | 3.8085% | 4,458 |
| Cash dividends to net income (ytd only)* | 52.6077% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,501 |
| Loan loss allowance to noncurrent loans | 52.7749% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.4274% | 236 |
| Noncurrent loans to loans | 1.9218% | 713 |
| Net loans and leases to total assets | 65.7952% | 2,655 |
| Net loans and leases to deposits | 80.0410% | 2,421 |
| Net loans and leases to core deposits | 86.9316% | 2,358 |
| Total domestic deposits to total assets | 82.2018% | 3,315 |
| Equity capital to assets | 9.7433% | 3,429 |
| Core capital (leverage) ratio | 9.5607% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,087,000 | 3,429 |
| Average earning assets | $131,566,667 | 3,454 |
| Average equity | $14,179,667 | 3,741 |
| Average total loans | $99,396,667 | 3,243 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 1,276 |
| Cost of funding earning assets | 0.7645% | 2,586 |
| Net interest margin | 4.1020% | 1,133 |
| Noninterest income to average assets | 0.5373% | 2,350 |
| Noninterest expense to average assets | 3.3593% | 1,127 |
| Loan and lease loss provision to assets | 0.1301% | 2,090 |
| Net operating income to assets | 0.7804% | 2,975 |
| Return on assets (ROA) | 0.7804% | 3,058 |
| Pretax return on assets | 0.7804% | 3,464 |
| Return on Equity (ROE) | 7.9723% | 2,530 |
| Retained earnings to average equity (ytd only) | 4.3616% | 2,548 |
| Net charge-offs to loans | 0.0203% | 1,959 |
| Credit loss provision to net charge-offs | 920.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 64.4000% | 770 |
| Efficiency ratio | 78.6755% | 1,265 |
| Assets per employee ($millions) | 3.2814% | 4,649 |
| Cash dividends to net income (ytd only)* | 45.2899% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 4,114 |
| Loan loss allowance to noncurrent loans | 44.2033% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.7342% | 237 |
| Noncurrent loans to loans | 2.0327% | 695 |
| Net loans and leases to total assets | 70.0383% | 2,254 |
| Net loans and leases to deposits | 85.6747% | 2,039 |
| Net loans and leases to core deposits | 92.5865% | 2,106 |
| Total domestic deposits to total assets | 81.7491% | 3,484 |
| Equity capital to assets | 9.5868% | 4,144 |
| Core capital (leverage) ratio | 10.2242% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,460,000 | 3,442 |
| Average earning assets | $128,718,000 | 3,462 |
| Average equity | $13,848,000 | 3,788 |
| Average total loans | $98,465,000 | 3,241 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 1,654 |
| Cost of funding earning assets | 0.6571% | 3,379 |
| Net interest margin | 4.2747% | 1,153 |
| Noninterest income to average assets | 0.3836% | 3,392 |
| Noninterest expense to average assets | 3.5675% | 879 |
| Loan and lease loss provision to assets | 0.3003% | 559 |
| Net operating income to assets | 0.4377% | 4,524 |
| Return on assets (ROA) | 0.4823% | 4,492 |
| Pretax return on assets | 0.4823% | 4,603 |
| Return on Equity (ROE) | 4.7672% | 4,278 |
| Retained earnings to average equity (ytd only) | 0.3250% | 4,602 |
| Net charge-offs to loans | 0.1955% | 1,038 |
| Credit loss provision to net charge-offs | 220.9677% | 1,200 |
| Earnings coverage of net charge-offs (x) | 5.4301% | 3,090 |
| Efficiency ratio | 82.8581% | 741 |
| Assets per employee ($millions) | 3.3767% | 4,586 |
| Cash dividends to net income (ytd only)* | 93.1818% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 4,051 |
| Loan loss allowance to noncurrent loans | 39.1046% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 2.8635% | 196 |
| Noncurrent loans to loans | 2.2518% | 539 |
| Net loans and leases to total assets | 67.9411% | 2,688 |
| Net loans and leases to deposits | 83.4848% | 2,389 |
| Net loans and leases to core deposits | 89.9513% | 2,434 |
| Total domestic deposits to total assets | 81.3813% | 3,684 |
| Equity capital to assets | 9.9908% | 3,928 |
| Core capital (leverage) ratio | 10.1562% | 3,347 |
| Tier 1 risk-based capital ratio | 14.6869% | 2,916 |
| Total risk-based capital ratio | 15.5878% | 3,007 |
| Memoranda: | ||
| Average total assets | $136,846,600 | 3,482 |
| Average earning assets | $125,552,200 | 3,486 |
| Average equity | $13,844,600 | 3,774 |
| Average total loans | $95,164,200 | 3,293 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9747% | 1,612 |
| Cost of funding earning assets | 0.6197% | 3,587 |
| Net interest margin | 4.3550% | 1,044 |
| Noninterest income to average assets | 0.3658% | 3,526 |
| Noninterest expense to average assets | 3.5898% | 857 |
| Loan and lease loss provision to assets | 0.2871% | 515 |
| Net operating income to assets | 0.4896% | 4,540 |
| Return on assets (ROA) | 0.5496% | 4,460 |
| Pretax return on assets | 0.5496% | 4,623 |
| Return on Equity (ROE) | 5.4151% | 4,210 |
| Retained earnings to average equity (ytd only) | 1.2497% | 4,503 |
| Net charge-offs to loans | 0.2212% | 799 |
| Credit loss provision to net charge-offs | 185.9873% | 1,395 |
| Earnings coverage of net charge-offs (x) | 5.0318% | 2,962 |
| Efficiency ratio | 82.2112% | 743 |
| Assets per employee ($millions) | 3.1453% | 4,797 |
| Cash dividends to net income (ytd only)* | 76.9237% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 4,422 |
| Loan loss allowance to noncurrent loans | 38.8720% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.5818% | 253 |
| Noncurrent loans to loans | 2.0419% | 660 |
| Net loans and leases to total assets | 69.0893% | 2,609 |
| Net loans and leases to deposits | 85.5591% | 2,254 |
| Net loans and leases to core deposits | 93.2838% | 2,240 |
| Total domestic deposits to total assets | 80.7503% | 3,819 |
| Equity capital to assets | 10.3098% | 3,708 |
| Core capital (leverage) ratio | 10.1877% | 3,437 |
| Tier 1 risk-based capital ratio | 14.5665% | 3,038 |
| Total risk-based capital ratio | 15.3602% | 3,180 |
| Memoranda: | ||
| Average total assets | $135,603,250 | 3,535 |
| Average earning assets | $124,572,750 | 3,538 |
| Average equity | $13,763,500 | 3,820 |
| Average total loans | $94,652,750 | 3,341 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 1,870 |
| Cost of funding earning assets | 0.5554% | 3,860 |
| Net interest margin | 4.3075% | 1,128 |
| Noninterest income to average assets | 0.2094% | 4,487 |
| Noninterest expense to average assets | 3.5256% | 928 |
| Loan and lease loss provision to assets | 0.3817% | 324 |
| Net operating income to assets | 0.2643% | 4,924 |
| Return on assets (ROA) | 0.2495% | 4,952 |
| Pretax return on assets | 0.2495% | 4,979 |
| Return on Equity (ROE) | 2.4714% | 4,877 |
| Retained earnings to average equity (ytd only) | -2.0154% | 4,910 |
| Net charge-offs to loans | 0.1127% | 1,289 |
| Credit loss provision to net charge-offs | 484.9057% | 618 |
| Earnings coverage of net charge-offs (x) | 8.2075% | 2,436 |
| Efficiency ratio | 84.5141% | 619 |
| Assets per employee ($millions) | 3.2768% | 4,716 |
| Cash dividends to net income (ytd only)* | 181.5476% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 4,099 |
| Loan loss allowance to noncurrent loans | 38.6722% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.7001% | 253 |
| Noncurrent loans to loans | 2.3233% | 557 |
| Net loans and leases to total assets | 66.7623% | 3,010 |
| Net loans and leases to deposits | 82.4970% | 2,672 |
| Net loans and leases to core deposits | 88.7122% | 2,730 |
| Total domestic deposits to total assets | 80.9270% | 3,835 |
| Equity capital to assets | 10.1610% | 3,827 |
| Core capital (leverage) ratio | 10.2970% | 3,289 |
| Tier 1 risk-based capital ratio | 14.5687% | 3,034 |
| Total risk-based capital ratio | 15.4499% | 3,129 |
| Memoranda: | ||
| Average total assets | $134,673,670 | 3,559 |
| Average earning assets | $123,876,670 | 3,565 |
| Average equity | $13,595,330 | 3,846 |
| Average total loans | $94,077,330 | 3,374 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 1,806 |
| Cost of funding earning assets | 0.5193% | 3,978 |
| Net interest margin | 4.3147% | 1,068 |
| Noninterest income to average assets | 0.3544% | 3,488 |
| Noninterest expense to average assets | 3.6217% | 824 |
| Loan and lease loss provision to assets | 0.2733% | 500 |
| Net operating income to assets | 0.4264% | 4,674 |
| Return on assets (ROA) | 0.3964% | 4,752 |
| Pretax return on assets | 0.3964% | 4,842 |
| Return on Equity (ROE) | 3.9400% | 4,587 |
| Retained earnings to average equity (ytd only) | -1.3730% | 4,693 |
| Net charge-offs to loans | 0.0211% | 2,030 |
| Credit loss provision to net charge-offs | 1,820.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 46.6000% | 1,069 |
| Efficiency ratio | 83.8082% | 722 |
| Assets per employee ($millions) | 3.1311% | 4,888 |
| Cash dividends to net income (ytd only)* | 134.8485% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 4,651 |
| Loan loss allowance to noncurrent loans | 39.0098% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.6226% | 278 |
| Noncurrent loans to loans | 1.9363% | 779 |
| Net loans and leases to total assets | 69.9724% | 2,486 |
| Net loans and leases to deposits | 82.9646% | 2,505 |
| Net loans and leases to core deposits | 88.6046% | 2,630 |
| Total domestic deposits to total assets | 84.3400% | 2,931 |
| Equity capital to assets | 10.1682% | 3,659 |
| Core capital (leverage) ratio | 10.6304% | 2,914 |
| Tier 1 risk-based capital ratio | 15.0645% | 2,866 |
| Total risk-based capital ratio | 15.8436% | 2,985 |
| Memoranda: | ||
| Average total assets | $133,198,500 | 3,619 |
| Average earning assets | $122,464,500 | 3,624 |
| Average equity | $13,401,000 | 3,890 |
| Average total loans | $94,759,000 | 3,393 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 1,751 |
| Cost of funding earning assets | 0.4010% | 3,982 |
| Net interest margin | 4.3226% | 1,103 |
| Noninterest income to average assets | 0.4351% | 3,200 |
| Noninterest expense to average assets | 3.5220% | 972 |
| Loan and lease loss provision to assets | 0.1905% | 1,003 |
| Net operating income to assets | 0.7533% | 3,958 |
| Return on assets (ROA) | 0.7502% | 3,973 |
| Pretax return on assets | 0.7502% | 4,290 |
| Return on Equity (ROE) | 8.0185% | 3,433 |
| Retained earnings to average equity (ytd only) | 3.6824% | 3,552 |
| Net charge-offs to loans | 0.3338% | 578 |
| Credit loss provision to net charge-offs | 82.5503% | 2,830 |
| Earnings coverage of net charge-offs (x) | 4.0906% | 3,333 |
| Efficiency ratio | 78.8662% | 1,051 |
| Assets per employee ($millions) | 3.1372% | 4,898 |
| Cash dividends to net income (ytd only)* | 54.0764% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 4,871 |
| Loan loss allowance to noncurrent loans | 31.6608% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.7975% | 247 |
| Noncurrent loans to loans | 2.1069% | 627 |
| Net loans and leases to total assets | 71.3125% | 2,377 |
| Net loans and leases to deposits | 79.3196% | 3,026 |
| Net loans and leases to core deposits | 84.4678% | 3,037 |
| Total domestic deposits to total assets | 89.9052% | 507 |
| Equity capital to assets | 9.9514% | 3,726 |
| Core capital (leverage) ratio | 10.3938% | 3,149 |
| Tier 1 risk-based capital ratio | 14.9720% | 2,840 |
| Total risk-based capital ratio | 15.6744% | 3,017 |
| Memoranda: | ||
| Average total assets | $129,159,800 | 3,657 |
| Average earning assets | $120,436,200 | 3,636 |
| Average equity | $12,084,600 | 4,009 |
| Average total loans | $89,266,000 | 3,492 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 1,709 |
| Cost of funding earning assets | 0.3967% | 3,883 |
| Net interest margin | 4.2926% | 1,125 |
| Noninterest income to average assets | 0.4596% | 3,106 |
| Noninterest expense to average assets | 3.4030% | 1,112 |
| Loan and lease loss provision to assets | 0.1774% | 1,032 |
| Net operating income to assets | 0.8985% | 3,537 |
| Return on assets (ROA) | 0.8985% | 3,541 |
| Pretax return on assets | 0.8985% | 4,025 |
| Return on Equity (ROE) | 9.7621% | 2,724 |
| Retained earnings to average equity (ytd only) | 5.3207% | 3,047 |
| Net charge-offs to loans | 0.4458% | 355 |
| Credit loss provision to net charge-offs | 58.1633% | 2,768 |
| Earnings coverage of net charge-offs (x) | 3.5272% | 3,154 |
| Efficiency ratio | 75.9787% | 1,352 |
| Assets per employee ($millions) | 3.0747% | 4,981 |
| Cash dividends to net income (ytd only)* | 45.4964% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6200% | 5,010 |
| Loan loss allowance to noncurrent loans | 48.4010% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 2.3704% | 385 |
| Noncurrent loans to loans | 1.2809% | 1,316 |
| Net loans and leases to total assets | 69.5107% | 2,723 |
| Net loans and leases to deposits | 77.0070% | 3,322 |
| Net loans and leases to core deposits | 78.8088% | 3,585 |
| Total domestic deposits to total assets | 90.2654% | 421 |
| Equity capital to assets | 9.1476% | 4,419 |
| Core capital (leverage) ratio | 9.4582% | 4,223 |
| Tier 1 risk-based capital ratio | 14.4050% | 3,167 |
| Total risk-based capital ratio | 15.0537% | 3,374 |
| Memoranda: | ||
| Average total assets | $128,509,500 | 3,702 |
| Average earning assets | $120,328,000 | 3,674 |
| Average equity | $11,827,750 | 4,090 |
| Average total loans | $87,934,250 | 3,546 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 1,835 |
| Cost of funding earning assets | 0.3977% | 3,736 |
| Net interest margin | 4.1845% | 1,323 |
| Noninterest income to average assets | 0.4505% | 3,146 |
| Noninterest expense to average assets | 3.3063% | 1,308 |
| Loan and lease loss provision to assets | 0.1730% | 1,061 |
| Net operating income to assets | 0.9072% | 3,427 |
| Return on assets (ROA) | 0.9072% | 3,433 |
| Pretax return on assets | 0.9072% | 3,942 |
| Return on Equity (ROE) | 9.8372% | 2,640 |
| Retained earnings to average equity (ytd only) | 5.0538% | 3,050 |
| Net charge-offs to loans | 0.6725% | 220 |
| Credit loss provision to net charge-offs | 37.8840% | 2,577 |
| Earnings coverage of net charge-offs (x) | 2.3652% | 2,979 |
| Efficiency ratio | 75.3731% | 1,508 |
| Assets per employee ($millions) | 3.1545% | 4,979 |
| Cash dividends to net income (ytd only)* | 48.6254% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 5,153 |
| Loan loss allowance to noncurrent loans | 40.5493% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 2.3436% | 387 |
| Noncurrent loans to loans | 1.4127% | 1,196 |
| Net loans and leases to total assets | 65.7642% | 3,181 |
| Net loans and leases to deposits | 72.3531% | 3,680 |
| Net loans and leases to core deposits | 73.9867% | 3,878 |
| Total domestic deposits to total assets | 90.8934% | 276 |
| Equity capital to assets | 8.9375% | 4,606 |
| Core capital (leverage) ratio | 9.5582% | 4,052 |
| Tier 1 risk-based capital ratio | 14.5907% | 3,076 |
| Total risk-based capital ratio | 15.1880% | 3,310 |
| Memoranda: | ||
| Average total assets | $128,300,330 | 3,730 |
| Average earning assets | $120,683,330 | 3,697 |
| Average equity | $11,832,670 | 4,112 |
| Average total loans | $87,137,670 | 3,581 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 1,737 |
| Cost of funding earning assets | 0.3990% | 3,595 |
| Net interest margin | 4.1442% | 1,320 |
| Noninterest income to average assets | 0.4849% | 2,900 |
| Noninterest expense to average assets | 3.2360% | 1,485 |
| Loan and lease loss provision to assets | 0.1902% | 887 |
| Net operating income to assets | 0.9762% | 2,956 |
| Return on assets (ROA) | 0.9762% | 2,984 |
| Pretax return on assets | 0.9762% | 3,616 |
| Return on Equity (ROE) | 10.4155% | 2,221 |
| Retained earnings to average equity (ytd only) | 4.5991% | 3,360 |
| Net charge-offs to loans | 1.2199% | 119 |
| Credit loss provision to net charge-offs | 22.6415% | 2,109 |
| Earnings coverage of net charge-offs (x) | 1.3887% | 2,563 |
| Efficiency ratio | 73.5061% | 1,967 |
| Assets per employee ($millions) | 3.1119% | 5,080 |
| Cash dividends to net income (ytd only)* | 55.8442% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5430% | 5,271 |
| Loan loss allowance to noncurrent loans | 16.3029% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 2.5479% | 359 |
| Noncurrent loans to loans | 3.3305% | 326 |
| Net loans and leases to total assets | 66.9918% | 2,893 |
| Net loans and leases to deposits | 73.6758% | 3,447 |
| Net loans and leases to core deposits | 78.7574% | 3,430 |
| Total domestic deposits to total assets | 90.9279% | 342 |
| Equity capital to assets | 8.9848% | 4,574 |
| Core capital (leverage) ratio | 9.4155% | 4,171 |
| Tier 1 risk-based capital ratio | 13.8188% | 3,488 |
| Total risk-based capital ratio | 14.3701% | 3,798 |
| Memoranda: | ||
| Average total assets | $126,207,000 | 3,790 |
| Average earning assets | $119,300,000 | 3,760 |
| Average equity | $11,828,500 | 4,151 |
| Average total loans | $86,891,000 | 3,610 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 1,606 |
| Cost of funding earning assets | 0.2840% | 4,281 |
| Net interest margin | 4.2503% | 1,082 |
| Noninterest income to average assets | 0.5259% | 2,845 |
| Noninterest expense to average assets | 3.5637% | 939 |
| Loan and lease loss provision to assets | 0.1011% | 2,206 |
| Net operating income to assets | 0.8351% | 3,012 |
| Return on assets (ROA) | 0.8385% | 3,034 |
| Pretax return on assets | 0.8385% | 4,130 |
| Return on Equity (ROE) | 8.2545% | 2,667 |
| Retained earnings to average equity (ytd only) | 3.2124% | 3,381 |
| Net charge-offs to loans | 0.3409% | 746 |
| Credit loss provision to net charge-offs | 42.9091% | 3,411 |
| Earnings coverage of net charge-offs (x) | 3.9745% | 3,531 |
| Efficiency ratio | 79.1968% | 1,199 |
| Assets per employee ($millions) | 2.9687% | 5,218 |
| Cash dividends to net income (ytd only)* | 61.0827% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 4,845 |
| Loan loss allowance to noncurrent loans | 21.3105% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.8887% | 288 |
| Noncurrent loans to loans | 3.7377% | 261 |
| Net loans and leases to total assets | 69.8873% | 2,533 |
| Net loans and leases to deposits | 77.5954% | 3,163 |
| Net loans and leases to core deposits | 83.1605% | 3,141 |
| Total domestic deposits to total assets | 90.0662% | 551 |
| Equity capital to assets | 9.7884% | 3,935 |
| Core capital (leverage) ratio | 10.2594% | 3,118 |
| Tier 1 risk-based capital ratio | 14.3381% | 3,182 |
| Total risk-based capital ratio | 15.1566% | 3,323 |
| Memoranda: | ||
| Average total assets | $116,759,200 | 3,950 |
| Average earning assets | $109,169,200 | 3,937 |
| Average equity | $11,860,200 | 4,164 |
| Average total loans | $80,665,600 | 3,736 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 1,570 |
| Cost of funding earning assets | 0.2796% | 4,317 |
| Net interest margin | 4.2470% | 1,053 |
| Noninterest income to average assets | 0.5251% | 2,868 |
| Noninterest expense to average assets | 3.4995% | 996 |
| Loan and lease loss provision to assets | 0.0900% | 2,272 |
| Net operating income to assets | 0.8979% | 3,038 |
| Return on assets (ROA) | 0.8979% | 3,093 |
| Pretax return on assets | 0.8979% | 4,051 |
| Return on Equity (ROE) | 8.7561% | 2,740 |
| Retained earnings to average equity (ytd only) | 4.5468% | 3,189 |
| Net charge-offs to loans | 0.0840% | 1,965 |
| Credit loss provision to net charge-offs | 156.0000% | 1,637 |
| Earnings coverage of net charge-offs (x) | 17.1186% | 2,119 |
| Efficiency ratio | 77.9835% | 1,334 |
| Assets per employee ($millions) | 3.0684% | 5,208 |
| Cash dividends to net income (ytd only)* | 48.0715% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 3,833 |
| Loan loss allowance to noncurrent loans | 25.9104% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 3.1398% | 277 |
| Noncurrent loans to loans | 4.0212% | 241 |
| Net loans and leases to total assets | 70.7053% | 2,459 |
| Net loans and leases to deposits | 79.0255% | 3,067 |
| Net loans and leases to core deposits | 80.9372% | 3,376 |
| Total domestic deposits to total assets | 89.4715% | 667 |
| Equity capital to assets | 10.3664% | 3,519 |
| Core capital (leverage) ratio | 10.3672% | 3,115 |
| Tier 1 risk-based capital ratio | 14.0904% | 3,400 |
| Total risk-based capital ratio | 15.1232% | 3,432 |
| Memoranda: | ||
| Average total assets | $115,520,000 | 4,010 |
| Average earning assets | $107,775,000 | 3,999 |
| Average equity | $11,846,750 | 4,206 |
| Average total loans | $79,395,250 | 3,791 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,592 |
| Cost of funding earning assets | 0.2771% | 4,314 |
| Net interest margin | 4.1963% | 1,083 |
| Noninterest income to average assets | 0.5106% | 2,958 |
| Noninterest expense to average assets | 3.3553% | 1,266 |
| Loan and lease loss provision to assets | 0.0834% | 2,319 |
| Net operating income to assets | 0.9899% | 2,473 |
| Return on assets (ROA) | 0.9899% | 2,525 |
| Pretax return on assets | 0.9899% | 3,606 |
| Return on Equity (ROE) | 9.6884% | 2,173 |
| Retained earnings to average equity (ytd only) | 5.2351% | 2,557 |
| Net charge-offs to loans | 0.0871% | 1,739 |
| Credit loss provision to net charge-offs | 141.1765% | 1,580 |
| Earnings coverage of net charge-offs (x) | 18.1765% | 1,895 |
| Efficiency ratio | 75.7647% | 1,756 |
| Assets per employee ($millions) | 2.8303% | 5,401 |
| Cash dividends to net income (ytd only)* | 45.9649% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 3,683 |
| Loan loss allowance to noncurrent loans | 24.8690% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 3.3521% | 250 |
| Noncurrent loans to loans | 4.3533% | 197 |
| Net loans and leases to total assets | 68.9229% | 2,680 |
| Net loans and leases to deposits | 77.2442% | 3,193 |
| Net loans and leases to core deposits | 79.1722% | 3,490 |
| Total domestic deposits to total assets | 89.2273% | 843 |
| Equity capital to assets | 10.6526% | 3,172 |
| Core capital (leverage) ratio | 10.2464% | 3,212 |
| Tier 1 risk-based capital ratio | 14.7711% | 3,027 |
| Total risk-based capital ratio | 15.8451% | 3,034 |
| Memoranda: | ||
| Average total assets | $115,160,670 | 4,041 |
| Average earning assets | $107,523,670 | 4,027 |
| Average equity | $11,766,670 | 4,230 |
| Average total loans | $78,090,670 | 3,835 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 1,773 |
| Cost of funding earning assets | 0.2692% | 4,362 |
| Net interest margin | 4.0930% | 1,230 |
| Noninterest income to average assets | 0.5201% | 2,838 |
| Noninterest expense to average assets | 3.2789% | 1,429 |
| Loan and lease loss provision to assets | 0.0723% | 2,360 |
| Net operating income to assets | 0.9919% | 2,342 |
| Return on assets (ROA) | 0.9919% | 2,395 |
| Pretax return on assets | 0.9919% | 3,404 |
| Return on Equity (ROE) | 9.9139% | 2,001 |
| Retained earnings to average equity (ytd only) | 4.4062% | 3,221 |
| Net charge-offs to loans | -0.0051% | 4,194 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4956% | 1,985 |
| Assets per employee ($millions) | 3.2133% | 5,149 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,727 |
| Loan loss allowance to noncurrent loans | 24.3916% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 3.3334% | 268 |
| Noncurrent loans to loans | 4.5002% | 202 |
| Net loans and leases to total assets | 67.1407% | 2,795 |
| Net loans and leases to deposits | 74.7790% | 3,324 |
| Net loans and leases to core deposits | 76.3050% | 3,625 |
| Total domestic deposits to total assets | 89.7854% | 757 |
| Equity capital to assets | 10.0927% | 3,640 |
| Core capital (leverage) ratio | 9.9279% | 3,592 |
| Tier 1 risk-based capital ratio | 14.4487% | 3,231 |
| Total risk-based capital ratio | 15.5255% | 3,244 |
| Memoranda: | ||
| Average total assets | $116,135,000 | 4,062 |
| Average earning assets | $108,477,500 | 4,038 |
| Average equity | $11,620,000 | 4,280 |
| Average total loans | $77,694,500 | 3,867 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 2,171 |
| Cost of funding earning assets | 0.2765% | 4,294 |
| Net interest margin | 4.0140% | 1,593 |
| Noninterest income to average assets | 0.5146% | 3,134 |
| Noninterest expense to average assets | 3.4556% | 1,243 |
| Loan and lease loss provision to assets | 0.0741% | 2,870 |
| Net operating income to assets | 0.7141% | 3,717 |
| Return on assets (ROA) | 0.7141% | 3,837 |
| Pretax return on assets | 0.7141% | 4,444 |
| Return on Equity (ROE) | 6.8604% | 3,540 |
| Retained earnings to average equity (ytd only) | 2.3151% | 4,210 |
| Net charge-offs to loans | 0.1118% | 2,147 |
| Credit loss provision to net charge-offs | 105.0000% | 2,472 |
| Earnings coverage of net charge-offs (x) | 11.1625% | 2,560 |
| Efficiency ratio | 81.4268% | 1,267 |
| Assets per employee ($millions) | 3.1511% | 5,213 |
| Cash dividends to net income (ytd only)* | 66.2546% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,752 |
| Loan loss allowance to noncurrent loans | 22.7951% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 3.4351% | 259 |
| Noncurrent loans to loans | 4.7944% | 175 |
| Net loans and leases to total assets | 65.2017% | 3,194 |
| Net loans and leases to deposits | 72.4842% | 3,659 |
| Net loans and leases to core deposits | 73.9465% | 3,930 |
| Total domestic deposits to total assets | 89.9530% | 649 |
| Equity capital to assets | 9.9192% | 3,800 |
| Core capital (leverage) ratio | 9.8059% | 3,736 |
| Tier 1 risk-based capital ratio | 14.3867% | 3,243 |
| Total risk-based capital ratio | 15.4432% | 3,279 |
| Memoranda: | ||
| Average total assets | $113,293,000 | 4,106 |
| Average earning assets | $105,257,200 | 4,096 |
| Average equity | $11,792,400 | 4,279 |
| Average total loans | $71,533,000 | 4,006 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 2,301 |
| Cost of funding earning assets | 0.2788% | 4,304 |
| Net interest margin | 3.9818% | 1,707 |
| Noninterest income to average assets | 0.5358% | 3,003 |
| Noninterest expense to average assets | 3.4024% | 1,334 |
| Loan and lease loss provision to assets | 0.0747% | 2,727 |
| Net operating income to assets | 0.7504% | 3,604 |
| Return on assets (ROA) | 0.7504% | 3,732 |
| Pretax return on assets | 0.7504% | 4,469 |
| Return on Equity (ROE) | 7.1226% | 3,493 |
| Retained earnings to average equity (ytd only) | 3.0718% | 4,075 |
| Net charge-offs to loans | 0.1234% | 1,724 |
| Credit loss provision to net charge-offs | 96.9231% | 2,423 |
| Earnings coverage of net charge-offs (x) | 10.7083% | 2,548 |
| Efficiency ratio | 80.4823% | 1,380 |
| Assets per employee ($millions) | 2.9613% | 5,417 |
| Cash dividends to net income (ytd only)* | 56.8722% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,695 |
| Loan loss allowance to noncurrent loans | 19.8100% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.9397% | 217 |
| Noncurrent loans to loans | 5.6820% | 127 |
| Net loans and leases to total assets | 63.4341% | 3,467 |
| Net loans and leases to deposits | 70.9293% | 3,894 |
| Net loans and leases to core deposits | 72.3806% | 4,130 |
| Total domestic deposits to total assets | 89.4329% | 708 |
| Equity capital to assets | 10.4156% | 3,654 |
| Core capital (leverage) ratio | 10.0663% | 3,483 |
| Tier 1 risk-based capital ratio | 14.6204% | 3,226 |
| Total risk-based capital ratio | 15.6863% | 3,246 |
| Memoranda: | ||
| Average total assets | $112,468,250 | 4,151 |
| Average earning assets | $104,271,750 | 4,135 |
| Average equity | $11,849,250 | 4,307 |
| Average total loans | $70,201,250 | 4,071 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 2,366 |
| Cost of funding earning assets | 0.2829% | 4,319 |
| Net interest margin | 3.9562% | 1,786 |
| Noninterest income to average assets | 0.5509% | 2,895 |
| Noninterest expense to average assets | 3.3680% | 1,438 |
| Loan and lease loss provision to assets | 0.0754% | 2,627 |
| Net operating income to assets | 0.7716% | 3,438 |
| Return on assets (ROA) | 0.7716% | 3,585 |
| Pretax return on assets | 0.7716% | 4,383 |
| Return on Equity (ROE) | 7.2947% | 3,372 |
| Retained earnings to average equity (ytd only) | 2.8840% | 4,071 |
| Net charge-offs to loans | 0.1887% | 1,218 |
| Credit loss provision to net charge-offs | 64.6154% | 2,522 |
| Earnings coverage of net charge-offs (x) | 7.2615% | 2,645 |
| Efficiency ratio | 79.9063% | 1,505 |
| Assets per employee ($millions) | 2.8101% | 5,599 |
| Cash dividends to net income (ytd only)* | 60.4651% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,623 |
| Loan loss allowance to noncurrent loans | 23.2219% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 3.4172% | 320 |
| Noncurrent loans to loans | 4.9660% | 174 |
| Net loans and leases to total assets | 61.9971% | 3,626 |
| Net loans and leases to deposits | 69.5018% | 4,031 |
| Net loans and leases to core deposits | 70.7853% | 4,269 |
| Total domestic deposits to total assets | 89.2021% | 810 |
| Equity capital to assets | 10.6760% | 3,432 |
| Core capital (leverage) ratio | 10.1352% | 3,407 |
| Tier 1 risk-based capital ratio | 15.3791% | 2,912 |
| Total risk-based capital ratio | 16.4821% | 2,909 |
| Memoranda: | ||
| Average total assets | $111,461,000 | 4,196 |
| Average earning assets | $103,229,670 | 4,191 |
| Average equity | $11,789,330 | 4,352 |
| Average total loans | $68,903,670 | 4,115 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,168 |
| Cost of funding earning assets | 0.2836% | 4,347 |
| Net interest margin | 4.0049% | 1,596 |
| Noninterest income to average assets | 0.5190% | 2,994 |
| Noninterest expense to average assets | 3.1102% | 2,072 |
| Loan and lease loss provision to assets | 0.0757% | 2,440 |
| Net operating income to assets | 1.0487% | 2,088 |
| Return on assets (ROA) | 1.0487% | 2,198 |
| Pretax return on assets | 1.0487% | 3,282 |
| Return on Equity (ROE) | 9.9623% | 1,997 |
| Retained earnings to average equity (ytd only) | 4.4848% | 3,245 |
| Net charge-offs to loans | 0.2291% | 890 |
| Credit loss provision to net charge-offs | 53.8462% | 2,021 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,095 |
| Efficiency ratio | 73.4468% | 2,569 |
| Assets per employee ($millions) | 2.8379% | 5,657 |
| Cash dividends to net income (ytd only)* | 54.9828% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 3,581 |
| Loan loss allowance to noncurrent loans | 23.5599% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 3.4297% | 336 |
| Noncurrent loans to loans | 5.0252% | 192 |
| Net loans and leases to total assets | 61.6865% | 3,567 |
| Net loans and leases to deposits | 69.1172% | 3,947 |
| Net loans and leases to core deposits | 70.4110% | 4,214 |
| Total domestic deposits to total assets | 89.2491% | 973 |
| Equity capital to assets | 10.6560% | 3,303 |
| Core capital (leverage) ratio | 10.2677% | 3,239 |
| Tier 1 risk-based capital ratio | 15.4104% | 2,968 |
| Total risk-based capital ratio | 16.5264% | 2,971 |
| Memoranda: | ||
| Average total assets | $110,990,500 | 4,245 |
| Average earning assets | $102,973,500 | 4,236 |
| Average equity | $11,684,000 | 4,387 |
| Average total loans | $68,106,000 | 4,159 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 2,947 |
| Cost of funding earning assets | 0.2944% | 4,316 |
| Net interest margin | 3.7987% | 2,382 |
| Noninterest income to average assets | 0.5656% | 2,928 |
| Noninterest expense to average assets | 3.3407% | 1,630 |
| Loan and lease loss provision to assets | 0.0769% | 2,741 |
| Net operating income to assets | 0.6672% | 3,965 |
| Return on assets (ROA) | 0.6672% | 4,053 |
| Pretax return on assets | 0.6672% | 4,623 |
| Return on Equity (ROE) | 6.2763% | 3,911 |
| Retained earnings to average equity (ytd only) | 1.8252% | 4,686 |
| Net charge-offs to loans | 0.1450% | 1,910 |
| Credit loss provision to net charge-offs | 89.3617% | 2,769 |
| Earnings coverage of net charge-offs (x) | 8.6489% | 2,922 |
| Efficiency ratio | 81.7836% | 1,436 |
| Assets per employee ($millions) | 2.9290% | 5,586 |
| Cash dividends to net income (ytd only)* | 70.9191% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 3,205 |
| Loan loss allowance to noncurrent loans | 29.2308% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.8607% | 476 |
| Noncurrent loans to loans | 4.2610% | 267 |
| Net loans and leases to total assets | 59.5533% | 3,894 |
| Net loans and leases to deposits | 66.5502% | 4,266 |
| Net loans and leases to core deposits | 67.7834% | 4,463 |
| Total domestic deposits to total assets | 89.4863% | 866 |
| Equity capital to assets | 10.3987% | 3,490 |
| Core capital (leverage) ratio | 10.3538% | 3,099 |
| Tier 1 risk-based capital ratio | 15.6717% | 2,851 |
| Total risk-based capital ratio | 16.8452% | 2,817 |
| Memoranda: | ||
| Average total assets | $109,258,800 | 4,275 |
| Average earning assets | $101,218,600 | 4,257 |
| Average equity | $11,615,200 | 4,367 |
| Average total loans | $64,844,200 | 4,235 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 2,908 |
| Cost of funding earning assets | 0.2994% | 4,345 |
| Net interest margin | 3.8079% | 2,353 |
| Noninterest income to average assets | 0.5738% | 2,889 |
| Noninterest expense to average assets | 3.2220% | 1,912 |
| Loan and lease loss provision to assets | 0.0772% | 2,640 |
| Net operating income to assets | 0.7982% | 3,431 |
| Return on assets (ROA) | 0.7982% | 3,528 |
| Pretax return on assets | 0.7982% | 4,345 |
| Return on Equity (ROE) | 7.4662% | 3,358 |
| Retained earnings to average equity (ytd only) | 3.5438% | 3,945 |
| Net charge-offs to loans | 0.0062% | 3,961 |
| Credit loss provision to net charge-offs | 2,100.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 237.9950% | 302 |
| Efficiency ratio | 78.6355% | 1,869 |
| Assets per employee ($millions) | 2.7781% | 5,770 |
| Cash dividends to net income (ytd only)* | 52.5346% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 2,633 |
| Loan loss allowance to noncurrent loans | 39.3400% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 2.4293% | 726 |
| Noncurrent loans to loans | 3.5394% | 435 |
| Net loans and leases to total assets | 59.2195% | 3,977 |
| Net loans and leases to deposits | 66.5588% | 4,328 |
| Net loans and leases to core deposits | 67.8324% | 4,558 |
| Total domestic deposits to total assets | 88.9733% | 1,040 |
| Equity capital to assets | 10.8735% | 3,163 |
| Core capital (leverage) ratio | 10.4666% | 3,077 |
| Tier 1 risk-based capital ratio | 16.4119% | 2,622 |
| Total risk-based capital ratio | 17.6651% | 2,569 |
| Memoranda: | ||
| Average total assets | $108,748,000 | 4,329 |
| Average earning assets | $100,629,250 | 4,317 |
| Average equity | $11,625,500 | 4,421 |
| Average total loans | $64,275,250 | 4,296 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 3,175 |
| Cost of funding earning assets | 0.3075% | 4,319 |
| Net interest margin | 3.7198% | 2,628 |
| Noninterest income to average assets | 0.5896% | 2,799 |
| Noninterest expense to average assets | 3.2292% | 1,900 |
| Loan and lease loss provision to assets | 0.0771% | 2,580 |
| Net operating income to assets | 0.7274% | 3,754 |
| Return on assets (ROA) | 0.7274% | 3,875 |
| Pretax return on assets | 0.7274% | 4,572 |
| Return on Equity (ROE) | 6.8431% | 3,708 |
| Retained earnings to average equity (ytd only) | 2.4884% | 4,473 |
| Net charge-offs to loans | 0.0125% | 3,479 |
| Credit loss provision to net charge-offs | 1,050.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 567 |
| Efficiency ratio | 80.0546% | 1,753 |
| Assets per employee ($millions) | 2.9951% | 5,601 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 2,868 |
| Loan loss allowance to noncurrent loans | 29.8952% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 3.0476% | 545 |
| Noncurrent loans to loans | 4.6003% | 286 |
| Net loans and leases to total assets | 58.7940% | 4,005 |
| Net loans and leases to deposits | 65.9447% | 4,339 |
| Net loans and leases to core deposits | 67.3688% | 4,546 |
| Total domestic deposits to total assets | 89.1564% | 1,067 |
| Equity capital to assets | 10.6776% | 3,242 |
| Core capital (leverage) ratio | 10.2686% | 3,256 |
| Tier 1 risk-based capital ratio | 16.1009% | 2,805 |
| Total risk-based capital ratio | 17.3543% | 2,760 |
| Memoranda: | ||
| Average total assets | $108,882,000 | 4,358 |
| Average earning assets | $100,811,000 | 4,350 |
| Average equity | $11,573,670 | 4,459 |
| Average total loans | $64,011,000 | 4,337 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0710% | 2,947 |
| Cost of funding earning assets | 0.3162% | 4,263 |
| Net interest margin | 3.7548% | 2,412 |
| Noninterest income to average assets | 0.4936% | 3,324 |
| Noninterest expense to average assets | 2.9065% | 2,885 |
| Loan and lease loss provision to assets | 0.0768% | 2,417 |
| Net operating income to assets | 0.9834% | 2,332 |
| Return on assets (ROA) | 0.9834% | 2,460 |
| Pretax return on assets | 0.9834% | 3,561 |
| Return on Equity (ROE) | 9.2727% | 2,326 |
| Retained earnings to average equity (ytd only) | 3.6884% | 3,795 |
| Net charge-offs to loans | -0.0188% | 5,016 |
| Credit loss provision to net charge-offs | -700.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2719% | 2,949 |
| Assets per employee ($millions) | 2.8647% | 5,814 |
| Cash dividends to net income (ytd only)* | 60.2230% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 3,063 |
| Loan loss allowance to noncurrent loans | 30.6230% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.9166% | 664 |
| Noncurrent loans to loans | 4.4735% | 354 |
| Net loans and leases to total assets | 57.5401% | 4,019 |
| Net loans and leases to deposits | 64.5443% | 4,311 |
| Net loans and leases to core deposits | 66.2811% | 4,492 |
| Total domestic deposits to total assets | 89.1482% | 1,173 |
| Equity capital to assets | 10.7571% | 3,249 |
| Core capital (leverage) ratio | 10.2183% | 3,320 |
| Tier 1 risk-based capital ratio | 16.0311% | 2,905 |
| Total risk-based capital ratio | 17.2790% | 2,843 |
| Memoranda: | ||
| Average total assets | $109,411,000 | 4,383 |
| Average earning assets | $101,202,500 | 4,365 |
| Average equity | $11,604,000 | 4,487 |
| Average total loans | $63,877,500 | 4,367 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,553 |
| Cost of funding earning assets | 0.3527% | 4,225 |
| Net interest margin | 3.9625% | 2,003 |
| Noninterest income to average assets | 0.6343% | 2,649 |
| Noninterest expense to average assets | 3.3727% | 1,757 |
| Loan and lease loss provision to assets | 0.0842% | 2,795 |
| Net operating income to assets | 0.8354% | 3,195 |
| Return on assets (ROA) | 0.8354% | 3,290 |
| Pretax return on assets | 0.8354% | 4,126 |
| Return on Equity (ROE) | 7.9178% | 3,175 |
| Retained earnings to average equity (ytd only) | 2.6156% | 4,384 |
| Net charge-offs to loans | 0.2148% | 1,949 |
| Credit loss provision to net charge-offs | 64.2857% | 3,195 |
| Earnings coverage of net charge-offs (x) | 7.0214% | 3,100 |
| Efficiency ratio | 78.5745% | 2,121 |
| Assets per employee ($millions) | 3.0546% | 5,627 |
| Cash dividends to net income (ytd only)* | 66.9653% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 3,337 |
| Loan loss allowance to noncurrent loans | 40.7318% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 2.1934% | 1,112 |
| Noncurrent loans to loans | 3.2328% | 672 |
| Net loans and leases to total assets | 57.6571% | 4,094 |
| Net loans and leases to deposits | 64.6300% | 4,462 |
| Net loans and leases to core deposits | 66.6562% | 4,623 |
| Total domestic deposits to total assets | 89.2110% | 1,114 |
| Equity capital to assets | 10.4561% | 3,538 |
| Core capital (leverage) ratio | 10.3022% | 3,168 |
| Tier 1 risk-based capital ratio | 17.6557% | 2,262 |
| Total risk-based capital ratio | 18.9061% | 2,229 |
| Memoranda: | ||
| Average total assets | $106,888,600 | 4,439 |
| Average earning assets | $98,674,600 | 4,433 |
| Average equity | $11,278,400 | 4,503 |
| Average total loans | $65,171,800 | 4,325 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 2,316 |
| Cost of funding earning assets | 0.3622% | 4,216 |
| Net interest margin | 4.0144% | 1,839 |
| Noninterest income to average assets | 0.6533% | 2,558 |
| Noninterest expense to average assets | 3.3044% | 1,890 |
| Loan and lease loss provision to assets | 0.0867% | 2,614 |
| Net operating income to assets | 0.9662% | 2,616 |
| Return on assets (ROA) | 0.9662% | 2,682 |
| Pretax return on assets | 0.9662% | 3,732 |
| Return on Equity (ROE) | 9.1354% | 2,610 |
| Retained earnings to average equity (ytd only) | 4.7875% | 3,221 |
| Net charge-offs to loans | 0.1325% | 2,469 |
| Credit loss provision to net charge-offs | 106.1538% | 2,094 |
| Earnings coverage of net charge-offs (x) | 12.8930% | 2,278 |
| Efficiency ratio | 75.8362% | 2,518 |
| Assets per employee ($millions) | 2.9814% | 5,744 |
| Cash dividends to net income (ytd only)* | 47.5944% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 3,328 |
| Loan loss allowance to noncurrent loans | 45.8716% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 2.1028% | 1,333 |
| Noncurrent loans to loans | 2.9758% | 899 |
| Net loans and leases to total assets | 60.5886% | 3,690 |
| Net loans and leases to deposits | 68.0198% | 4,125 |
| Net loans and leases to core deposits | 69.8110% | 4,341 |
| Total domestic deposits to total assets | 89.0750% | 1,194 |
| Equity capital to assets | 10.7284% | 3,258 |
| Core capital (leverage) ratio | 10.4701% | 3,075 |
| Tier 1 risk-based capital ratio | 17.6514% | 2,335 |
| Total risk-based capital ratio | 18.9037% | 2,296 |
| Memoranda: | ||
| Average total assets | $106,119,750 | 4,498 |
| Average earning assets | $97,912,000 | 4,501 |
| Average equity | $11,223,500 | 4,545 |
| Average total loans | $65,402,750 | 4,357 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 1,954 |
| Cost of funding earning assets | 0.3646% | 4,262 |
| Net interest margin | 4.0966% | 1,523 |
| Noninterest income to average assets | 0.6111% | 2,758 |
| Noninterest expense to average assets | 3.3581% | 1,787 |
| Loan and lease loss provision to assets | 0.0908% | 2,509 |
| Net operating income to assets | 0.9459% | 2,567 |
| Return on assets (ROA) | 0.9459% | 2,671 |
| Pretax return on assets | 0.9459% | 3,698 |
| Return on Equity (ROE) | 8.9877% | 2,608 |
| Retained earnings to average equity (ytd only) | 4.2422% | 3,475 |
| Net charge-offs to loans | 0.1993% | 1,834 |
| Credit loss provision to net charge-offs | 73.8462% | 2,407 |
| Earnings coverage of net charge-offs (x) | 8.4308% | 2,496 |
| Efficiency ratio | 76.4098% | 2,553 |
| Assets per employee ($millions) | 2.8072% | 6,016 |
| Cash dividends to net income (ytd only)* | 52.8000% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 3,580 |
| Loan loss allowance to noncurrent loans | 192.9825% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 3,671 |
| Noncurrent loans to loans | 0.6999% | 3,956 |
| Net loans and leases to total assets | 60.2537% | 3,674 |
| Net loans and leases to deposits | 67.5257% | 4,103 |
| Net loans and leases to core deposits | 69.3097% | 4,337 |
| Total domestic deposits to total assets | 89.2307% | 1,231 |
| Equity capital to assets | 10.6230% | 3,282 |
| Core capital (leverage) ratio | 10.3217% | 3,182 |
| Tier 1 risk-based capital ratio | 17.3112% | 2,498 |
| Total risk-based capital ratio | 18.5626% | 2,454 |
| Memoranda: | ||
| Average total assets | $105,715,670 | 4,540 |
| Average earning assets | $97,642,330 | 4,536 |
| Average equity | $11,126,330 | 4,577 |
| Average total loans | $65,226,670 | 4,387 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 1,894 |
| Cost of funding earning assets | 0.3785% | 4,215 |
| Net interest margin | 4.0934% | 1,470 |
| Noninterest income to average assets | 0.6234% | 2,604 |
| Noninterest expense to average assets | 3.1966% | 2,245 |
| Loan and lease loss provision to assets | 0.1026% | 2,212 |
| Net operating income to assets | 1.1061% | 1,793 |
| Return on assets (ROA) | 1.1061% | 1,848 |
| Pretax return on assets | 1.1061% | 2,879 |
| Return on Equity (ROE) | 10.5593% | 1,842 |
| Retained earnings to average equity (ytd only) | 4.6809% | 3,308 |
| Net charge-offs to loans | 0.1226% | 1,987 |
| Credit loss provision to net charge-offs | 135.0000% | 1,347 |
| Earnings coverage of net charge-offs (x) | 15.9000% | 1,528 |
| Efficiency ratio | 72.5626% | 3,384 |
| Assets per employee ($millions) | 2.8848% | 5,993 |
| Cash dividends to net income (ytd only)* | 55.6701% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 3,628 |
| Loan loss allowance to noncurrent loans | 103.7931% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 3,436 |
| Noncurrent loans to loans | 1.3440% | 2,792 |
| Net loans and leases to total assets | 59.7997% | 3,597 |
| Net loans and leases to deposits | 67.2677% | 3,941 |
| Net loans and leases to core deposits | 69.0476% | 4,198 |
| Total domestic deposits to total assets | 88.8980% | 1,728 |
| Equity capital to assets | 10.4237% | 3,327 |
| Core capital (leverage) ratio | 10.3749% | 3,085 |
| Tier 1 risk-based capital ratio | 17.2519% | 2,571 |
| Total risk-based capital ratio | 18.5033% | 2,533 |
| Memoranda: | ||
| Average total assets | $105,236,500 | 4,599 |
| Average earning assets | $97,229,500 | 4,590 |
| Average equity | $11,023,500 | 4,608 |
| Average total loans | $65,262,500 | 4,422 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 2,556 |
| Cost of funding earning assets | 0.4456% | 4,153 |
| Net interest margin | 3.9628% | 2,057 |
| Noninterest income to average assets | 0.6599% | 2,756 |
| Noninterest expense to average assets | 3.3609% | 1,972 |
| Loan and lease loss provision to assets | 0.1153% | 2,881 |
| Net operating income to assets | 0.8309% | 3,130 |
| Return on assets (ROA) | 0.8309% | 3,217 |
| Pretax return on assets | 0.8309% | 4,027 |
| Return on Equity (ROE) | 7.7488% | 3,170 |
| Retained earnings to average equity (ytd only) | 2.3918% | 4,543 |
| Net charge-offs to loans | 0.0663% | 4,284 |
| Credit loss provision to net charge-offs | 279.0698% | 809 |
| Earnings coverage of net charge-offs (x) | 22.9070% | 1,435 |
| Efficiency ratio | 78.0330% | 2,461 |
| Assets per employee ($millions) | 2.7299% | 6,187 |
| Cash dividends to net income (ytd only)* | 69.1329% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 3,837 |
| Loan loss allowance to noncurrent loans | 35.1786% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 2.5710% | 1,322 |
| Noncurrent loans to loans | 3.8712% | 766 |
| Net loans and leases to total assets | 62.5604% | 3,283 |
| Net loans and leases to deposits | 70.4866% | 3,721 |
| Net loans and leases to core deposits | 72.3280% | 4,029 |
| Total domestic deposits to total assets | 88.7550% | 1,776 |
| Equity capital to assets | 10.5278% | 3,112 |
| Core capital (leverage) ratio | 10.4562% | 2,959 |
| Tier 1 risk-based capital ratio | 16.8520% | 2,680 |
| Total risk-based capital ratio | 18.1047% | 2,640 |
| Memoranda: | ||
| Average total assets | $104,108,600 | 4,644 |
| Average earning assets | $95,815,200 | 4,624 |
| Average equity | $11,163,000 | 4,605 |
| Average total loans | $64,815,800 | 4,447 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,718 |
| Cost of funding earning assets | 0.4624% | 4,142 |
| Net interest margin | 3.9015% | 2,268 |
| Noninterest income to average assets | 0.6564% | 2,848 |
| Noninterest expense to average assets | 3.2436% | 2,220 |
| Loan and lease loss provision to assets | 0.1152% | 2,848 |
| Net operating income to assets | 0.8816% | 2,926 |
| Return on assets (ROA) | 0.8816% | 3,038 |
| Pretax return on assets | 0.8816% | 3,960 |
| Return on Equity (ROE) | 8.1850% | 3,030 |
| Retained earnings to average equity (ytd only) | 3.8371% | 3,955 |
| Net charge-offs to loans | -0.1177% | 6,530 |
| Credit loss provision to net charge-offs | -157.8947% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4937% | 2,652 |
| Assets per employee ($millions) | 2.6512% | 6,328 |
| Cash dividends to net income (ytd only)* | 53.1209% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 3,638 |
| Loan loss allowance to noncurrent loans | 41.8544% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 2.3482% | 1,673 |
| Noncurrent loans to loans | 3.4889% | 1,093 |
| Net loans and leases to total assets | 63.0447% | 3,158 |
| Net loans and leases to deposits | 71.2387% | 3,606 |
| Net loans and leases to core deposits | 73.3188% | 3,934 |
| Total domestic deposits to total assets | 88.4978% | 1,838 |
| Equity capital to assets | 10.7130% | 3,051 |
| Core capital (leverage) ratio | 10.5671% | 2,931 |
| Tier 1 risk-based capital ratio | 16.8492% | 2,770 |
| Total risk-based capital ratio | 18.1030% | 2,726 |
| Memoranda: | ||
| Average total assets | $104,202,000 | 4,687 |
| Average earning assets | $95,721,000 | 4,672 |
| Average equity | $11,223,500 | 4,640 |
| Average total loans | $64,571,500 | 4,507 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,942 |
| Cost of funding earning assets | 0.4809% | 4,084 |
| Net interest margin | 3.8221% | 2,469 |
| Noninterest income to average assets | 0.6260% | 3,041 |
| Noninterest expense to average assets | 3.2698% | 2,160 |
| Loan and lease loss provision to assets | 0.1149% | 2,893 |
| Net operating income to assets | 0.7562% | 3,531 |
| Return on assets (ROA) | 0.7562% | 3,682 |
| Pretax return on assets | 0.7562% | 4,485 |
| Return on Equity (ROE) | 7.0083% | 3,596 |
| Retained earnings to average equity (ytd only) | 2.3243% | 4,810 |
| Net charge-offs to loans | -0.0031% | 5,571 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9644% | 2,304 |
| Assets per employee ($millions) | 2.8769% | 6,056 |
| Cash dividends to net income (ytd only)* | 66.8354% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 4,226 |
| Loan loss allowance to noncurrent loans | 40.2194% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 2.2284% | 1,936 |
| Noncurrent loans to loans | 3.3764% | 1,272 |
| Net loans and leases to total assets | 61.7196% | 3,347 |
| Net loans and leases to deposits | 69.6534% | 3,763 |
| Net loans and leases to core deposits | 71.6778% | 4,083 |
| Total domestic deposits to total assets | 88.6096% | 1,841 |
| Equity capital to assets | 10.6884% | 3,072 |
| Core capital (leverage) ratio | 10.1999% | 3,232 |
| Tier 1 risk-based capital ratio | 16.8090% | 2,786 |
| Total risk-based capital ratio | 18.0602% | 2,758 |
| Memoranda: | ||
| Average total assets | $104,470,000 | 4,715 |
| Average earning assets | $96,073,330 | 4,698 |
| Average equity | $11,272,330 | 4,668 |
| Average total loans | $64,044,330 | 4,536 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 2,830 |
| Cost of funding earning assets | 0.5067% | 4,021 |
| Net interest margin | 3.8082% | 2,418 |
| Noninterest income to average assets | 0.6252% | 3,006 |
| Noninterest expense to average assets | 3.0347% | 2,880 |
| Loan and lease loss provision to assets | 0.1144% | 2,805 |
| Net operating income to assets | 0.9722% | 2,346 |
| Return on assets (ROA) | 0.9722% | 2,474 |
| Pretax return on assets | 0.9722% | 3,476 |
| Return on Equity (ROE) | 8.9682% | 2,502 |
| Retained earnings to average equity (ytd only) | 3.2708% | 4,289 |
| Net charge-offs to loans | 0.0691% | 3,150 |
| Credit loss provision to net charge-offs | 272.7273% | 863 |
| Earnings coverage of net charge-offs (x) | 25.9091% | 1,035 |
| Efficiency ratio | 73.6355% | 3,325 |
| Assets per employee ($millions) | 2.8056% | 6,273 |
| Cash dividends to net income (ytd only)* | 63.5294% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,611 |
| Loan loss allowance to noncurrent loans | 36.5301% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 2.4189% | 1,920 |
| Noncurrent loans to loans | 3.6034% | 1,320 |
| Net loans and leases to total assets | 60.5194% | 3,341 |
| Net loans and leases to deposits | 68.5253% | 3,708 |
| Net loans and leases to core deposits | 70.5159% | 4,007 |
| Total domestic deposits to total assets | 88.3169% | 2,117 |
| Equity capital to assets | 10.9529% | 3,010 |
| Core capital (leverage) ratio | 10.2434% | 3,086 |
| Tier 1 risk-based capital ratio | 16.9917% | 2,754 |
| Total risk-based capital ratio | 18.2434% | 2,729 |
| Memoranda: | ||
| Average total assets | $104,920,000 | 4,745 |
| Average earning assets | $96,318,500 | 4,729 |
| Average equity | $11,373,500 | 4,704 |
| Average total loans | $63,665,000 | 4,578 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 2,889 |
| Cost of funding earning assets | 0.7030% | 3,468 |
| Net interest margin | 3.9254% | 2,719 |
| Noninterest income to average assets | 0.6276% | 3,125 |
| Noninterest expense to average assets | 3.2821% | 2,389 |
| Loan and lease loss provision to assets | 0.3057% | 2,238 |
| Net operating income to assets | 0.6400% | 4,037 |
| Return on assets (ROA) | 0.8444% | 3,330 |
| Pretax return on assets | 0.8444% | 4,137 |
| Return on Equity (ROE) | 7.9874% | 3,087 |
| Retained earnings to average equity (ytd only) | 2.7920% | 4,274 |
| Net charge-offs to loans | 0.3830% | 2,725 |
| Credit loss provision to net charge-offs | 136.1702% | 2,035 |
| Earnings coverage of net charge-offs (x) | 4.2128% | 3,442 |
| Efficiency ratio | 77.6322% | 2,504 |
| Assets per employee ($millions) | 2.8657% | 6,217 |
| Cash dividends to net income (ytd only)* | 65.0452% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 4,708 |
| Loan loss allowance to noncurrent loans | 84.9585% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2666% | 3,533 |
| Noncurrent loans to loans | 1.5141% | 3,333 |
| Net loans and leases to total assets | 59.2736% | 3,731 |
| Net loans and leases to deposits | 67.3933% | 4,065 |
| Net loans and leases to core deposits | 69.3101% | 4,396 |
| Total domestic deposits to total assets | 87.9518% | 2,270 |
| Equity capital to assets | 10.7298% | 3,241 |
| Core capital (leverage) ratio | 10.1479% | 3,201 |
| Tier 1 risk-based capital ratio | 16.6330% | 2,824 |
| Total risk-based capital ratio | 17.8849% | 2,798 |
| Memoranda: | ||
| Average total assets | $104,688,600 | 4,716 |
| Average earning assets | $96,015,800 | 4,693 |
| Average equity | $11,067,400 | 4,751 |
| Average total loans | $61,362,600 | 4,659 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 3,046 |
| Cost of funding earning assets | 0.7412% | 3,419 |
| Net interest margin | 3.9020% | 2,907 |
| Noninterest income to average assets | 0.6452% | 3,016 |
| Noninterest expense to average assets | 3.2977% | 2,281 |
| Loan and lease loss provision to assets | 0.1150% | 4,128 |
| Net operating income to assets | 0.8177% | 3,357 |
| Return on assets (ROA) | 0.8177% | 3,600 |
| Pretax return on assets | 0.8177% | 4,422 |
| Return on Equity (ROE) | 7.7644% | 3,386 |
| Retained earnings to average equity (ytd only) | 2.7661% | 4,895 |
| Net charge-offs to loans | 0.1733% | 3,716 |
| Credit loss provision to net charge-offs | 113.9241% | 2,562 |
| Earnings coverage of net charge-offs (x) | 9.2406% | 2,346 |
| Efficiency ratio | 77.9523% | 2,406 |
| Assets per employee ($millions) | 2.8266% | 6,324 |
| Cash dividends to net income (ytd only)* | 64.3752% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,466 |
| Loan loss allowance to noncurrent loans | 93.9470% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 3,772 |
| Noncurrent loans to loans | 1.2371% | 3,983 |
| Net loans and leases to total assets | 60.5775% | 3,660 |
| Net loans and leases to deposits | 69.2601% | 3,994 |
| Net loans and leases to core deposits | 71.2687% | 4,342 |
| Total domestic deposits to total assets | 87.4638% | 2,373 |
| Equity capital to assets | 11.0876% | 3,168 |
| Core capital (leverage) ratio | 10.2074% | 3,274 |
| Tier 1 risk-based capital ratio | 16.5349% | 2,977 |
| Total risk-based capital ratio | 17.7131% | 2,986 |
| Memoranda: | ||
| Average total assets | $104,352,750 | 4,766 |
| Average earning assets | $95,880,750 | 4,742 |
| Average equity | $10,990,000 | 4,807 |
| Average total loans | $60,786,250 | 4,736 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 3,217 |
| Cost of funding earning assets | 0.7864% | 3,310 |
| Net interest margin | 3.8464% | 3,150 |
| Noninterest income to average assets | 0.6406% | 3,001 |
| Noninterest expense to average assets | 3.3124% | 2,275 |
| Loan and lease loss provision to assets | 0.1151% | 4,088 |
| Net operating income to assets | 0.7499% | 3,603 |
| Return on assets (ROA) | 0.7499% | 3,880 |
| Pretax return on assets | 0.7499% | 4,653 |
| Return on Equity (ROE) | 7.2488% | 3,646 |
| Retained earnings to average equity (ytd only) | 1.3348% | 5,526 |
| Net charge-offs to loans | 0.2681% | 2,974 |
| Credit loss provision to net charge-offs | 75.0000% | 3,453 |
| Earnings coverage of net charge-offs (x) | 5.6375% | 2,792 |
| Efficiency ratio | 79.2929% | 2,290 |
| Assets per employee ($millions) | 2.7939% | 6,414 |
| Cash dividends to net income (ytd only)* | 81.5857% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,494 |
| Loan loss allowance to noncurrent loans | 100.1403% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 3,792 |
| Noncurrent loans to loans | 1.1651% | 4,209 |
| Net loans and leases to total assets | 58.5068% | 4,083 |
| Net loans and leases to deposits | 66.7933% | 4,395 |
| Net loans and leases to core deposits | 68.7194% | 4,704 |
| Total domestic deposits to total assets | 87.5938% | 2,403 |
| Equity capital to assets | 10.9639% | 3,159 |
| Core capital (leverage) ratio | 10.0488% | 3,354 |
| Tier 1 risk-based capital ratio | 16.5337% | 2,897 |
| Total risk-based capital ratio | 17.6800% | 2,914 |
| Memoranda: | ||
| Average total assets | $104,275,330 | 4,794 |
| Average earning assets | $95,880,670 | 4,773 |
| Average equity | $10,788,000 | 4,863 |
| Average total loans | $59,681,670 | 4,803 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 3,658 |
| Cost of funding earning assets | 0.8541% | 3,029 |
| Net interest margin | 3.7108% | 3,781 |
| Noninterest income to average assets | 0.6188% | 3,112 |
| Noninterest expense to average assets | 3.1129% | 2,877 |
| Loan and lease loss provision to assets | 0.1146% | 3,923 |
| Net operating income to assets | 0.8097% | 3,332 |
| Return on assets (ROA) | 0.8097% | 3,569 |
| Pretax return on assets | 0.8097% | 4,376 |
| Return on Equity (ROE) | 8.0647% | 3,254 |
| Retained earnings to average equity (ytd only) | -1.0271% | 6,155 |
| Net charge-offs to loans | 0.2715% | 2,583 |
| Credit loss provision to net charge-offs | 75.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | 6.0500% | 2,258 |
| Efficiency ratio | 77.1050% | 2,630 |
| Assets per employee ($millions) | 2.7730% | 6,543 |
| Cash dividends to net income (ytd only)* | 112.7358% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 5,359 |
| Loan loss allowance to noncurrent loans | 70.5653% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.6142% | 3,426 |
| Noncurrent loans to loans | 1.7421% | 3,502 |
| Net loans and leases to total assets | 55.2019% | 4,523 |
| Net loans and leases to deposits | 62.2774% | 4,873 |
| Net loans and leases to core deposits | 63.8504% | 5,129 |
| Total domestic deposits to total assets | 88.6387% | 1,930 |
| Equity capital to assets | 9.9454% | 4,195 |
| Core capital (leverage) ratio | 9.1827% | 4,547 |
| Tier 1 risk-based capital ratio | 15.6025% | 3,393 |
| Total risk-based capital ratio | 16.7794% | 3,404 |
| Memoranda: | ||
| Average total assets | $104,725,000 | 4,818 |
| Average earning assets | $96,474,500 | 4,784 |
| Average equity | $10,515,000 | 4,918 |
| Average total loans | $58,924,500 | 4,859 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 3,360 |
| Cost of funding earning assets | 1.0611% | 2,947 |
| Net interest margin | 3.8385% | 3,632 |
| Noninterest income to average assets | 0.7255% | 2,473 |
| Noninterest expense to average assets | 3.1509% | 3,024 |
| Loan and lease loss provision to assets | 0.1191% | 5,111 |
| Net operating income to assets | 1.0023% | 2,184 |
| Return on assets (ROA) | 1.0023% | 2,331 |
| Pretax return on assets | 1.0023% | 3,240 |
| Return on Equity (ROE) | 10.0778% | 2,035 |
| Retained earnings to average equity (ytd only) | 2.4147% | 4,497 |
| Net charge-offs to loans | 0.0976% | 5,369 |
| Credit loss provision to net charge-offs | 206.8966% | 1,200 |
| Earnings coverage of net charge-offs (x) | 19.4828% | 1,167 |
| Efficiency ratio | 73.7515% | 3,275 |
| Assets per employee ($millions) | 2.6686% | 6,650 |
| Cash dividends to net income (ytd only)* | 76.0396% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 5,204 |
| Loan loss allowance to noncurrent loans | 56.9876% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.4951% | 3,711 |
| Noncurrent loans to loans | 2.1847% | 2,971 |
| Net loans and leases to total assets | 55.9423% | 4,719 |
| Net loans and leases to deposits | 63.2628% | 5,094 |
| Net loans and leases to core deposits | 65.0954% | 5,355 |
| Total domestic deposits to total assets | 88.4285% | 1,892 |
| Equity capital to assets | 10.1369% | 3,987 |
| Core capital (leverage) ratio | 9.4563% | 4,099 |
| Tier 1 risk-based capital ratio | 15.8910% | 3,097 |
| Total risk-based capital ratio | 17.1028% | 3,088 |
| Memoranda: | ||
| Average total assets | $100,764,000 | 4,872 |
| Average earning assets | $93,109,400 | 4,829 |
| Average equity | $10,022,000 | 5,013 |
| Average total loans | $59,408,200 | 4,883 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 3,287 |
| Cost of funding earning assets | 1.0911% | 3,037 |
| Net interest margin | 3.8695% | 3,524 |
| Noninterest income to average assets | 0.7031% | 2,588 |
| Noninterest expense to average assets | 3.0619% | 3,313 |
| Loan and lease loss provision to assets | 0.1201% | 4,931 |
| Net operating income to assets | 1.0980% | 1,977 |
| Return on assets (ROA) | 1.0980% | 2,124 |
| Pretax return on assets | 1.0980% | 3,025 |
| Return on Equity (ROE) | 11.0951% | 1,835 |
| Retained earnings to average equity (ytd only) | 3.2355% | 4,414 |
| Net charge-offs to loans | 0.0896% | 5,075 |
| Credit loss provision to net charge-offs | 225.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 22.8258% | 1,138 |
| Efficiency ratio | 71.5399% | 3,649 |
| Assets per employee ($millions) | 3.0822% | 5,942 |
| Cash dividends to net income (ytd only)* | 70.8378% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 5,306 |
| Loan loss allowance to noncurrent loans | 42.7219% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 1.9329% | 3,223 |
| Noncurrent loans to loans | 2.9025% | 2,401 |
| Net loans and leases to total assets | 56.5340% | 4,754 |
| Net loans and leases to deposits | 64.1352% | 5,152 |
| Net loans and leases to core deposits | 66.2317% | 5,387 |
| Total domestic deposits to total assets | 88.1481% | 1,956 |
| Equity capital to assets | 10.3211% | 3,930 |
| Core capital (leverage) ratio | 9.3903% | 4,321 |
| Tier 1 risk-based capital ratio | 15.9146% | 3,161 |
| Total risk-based capital ratio | 17.1084% | 3,146 |
| Memoranda: | ||
| Average total assets | $99,936,250 | 4,931 |
| Average earning assets | $92,379,250 | 4,886 |
| Average equity | $9,890,000 | 5,064 |
| Average total loans | $59,521,250 | 4,921 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 3,514 |
| Cost of funding earning assets | 1.1078% | 3,180 |
| Net interest margin | 3.8165% | 3,706 |
| Noninterest income to average assets | 0.6946% | 2,581 |
| Noninterest expense to average assets | 2.9453% | 3,845 |
| Loan and lease loss provision to assets | 0.1208% | 4,766 |
| Net operating income to assets | 1.1657% | 1,679 |
| Return on assets (ROA) | 1.1657% | 1,753 |
| Pretax return on assets | 1.1657% | 2,618 |
| Return on Equity (ROE) | 11.9538% | 1,509 |
| Retained earnings to average equity (ytd only) | 1.7342% | 5,127 |
| Net charge-offs to loans | 0.0567% | 5,082 |
| Credit loss provision to net charge-offs | 352.9412% | 871 |
| Earnings coverage of net charge-offs (x) | 37.5882% | 777 |
| Efficiency ratio | 69.6004% | 4,187 |
| Assets per employee ($millions) | 3.2619% | 5,502 |
| Cash dividends to net income (ytd only)* | 85.4922% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 5,454 |
| Loan loss allowance to noncurrent loans | 40.0336% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 1.8193% | 3,481 |
| Noncurrent loans to loans | 3.0523% | 2,369 |
| Net loans and leases to total assets | 55.3727% | 5,089 |
| Net loans and leases to deposits | 62.2434% | 5,470 |
| Net loans and leases to core deposits | 65.1407% | 5,596 |
| Total domestic deposits to total assets | 88.9615% | 1,556 |
| Equity capital to assets | 9.5641% | 4,718 |
| Core capital (leverage) ratio | 9.5324% | 3,905 |
| Tier 1 risk-based capital ratio | 15.4671% | 3,268 |
| Total risk-based capital ratio | 16.6351% | 3,252 |
| Memoranda: | ||
| Average total assets | $99,343,670 | 4,977 |
| Average earning assets | $92,075,000 | 4,935 |
| Average equity | $9,687,330 | 5,127 |
| Average total loans | $59,953,330 | 4,960 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1067% | 2,614 |
| Cost of funding earning assets | 1.1274% | 3,311 |
| Net interest margin | 3.9793% | 2,776 |
| Noninterest income to average assets | 0.7106% | 2,516 |
| Noninterest expense to average assets | 2.9331% | 3,929 |
| Loan and lease loss provision to assets | 0.1239% | 4,449 |
| Net operating income to assets | 1.3426% | 1,168 |
| Return on assets (ROA) | 1.3426% | 1,217 |
| Pretax return on assets | 1.3426% | 1,904 |
| Return on Equity (ROE) | 13.6275% | 1,058 |
| Retained earnings to average equity (ytd only) | 4.1931% | 3,647 |
| Net charge-offs to loans | 0.0396% | 4,560 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 59.1667% | 502 |
| Efficiency ratio | 66.6667% | 4,911 |
| Assets per employee ($millions) | 3.0553% | 6,036 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,810 |
| Loan loss allowance to noncurrent loans | 48.5017% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5833% | 3,871 |
| Noncurrent loans to loans | 2.3866% | 3,103 |
| Net loans and leases to total assets | 60.7872% | 4,119 |
| Net loans and leases to deposits | 68.6064% | 4,596 |
| Net loans and leases to core deposits | 71.4650% | 4,859 |
| Total domestic deposits to total assets | 88.6027% | 2,015 |
| Equity capital to assets | 9.8436% | 3,969 |
| Core capital (leverage) ratio | 9.9247% | 3,238 |
| Tier 1 risk-based capital ratio | 15.4161% | 3,201 |
| Total risk-based capital ratio | 16.5475% | 3,221 |
| Memoranda: | ||
| Average total assets | $96,825,500 | 5,087 |
| Average earning assets | $89,764,500 | 5,035 |
| Average equity | $9,539,500 | 5,163 |
| Average total loans | $60,673,500 | 4,979 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 2,210 |
| Cost of funding earning assets | 1.4127% | 3,185 |
| Net interest margin | 4.1061% | 2,532 |
| Noninterest income to average assets | 0.8869% | 1,897 |
| Noninterest expense to average assets | 3.2364% | 2,958 |
| Loan and lease loss provision to assets | 0.2407% | 4,876 |
| Net operating income to assets | 1.1726% | 1,482 |
| Return on assets (ROA) | 1.2539% | 1,355 |
| Pretax return on assets | 1.2539% | 2,068 |
| Return on Equity (ROE) | 12.3545% | 1,246 |
| Retained earnings to average equity (ytd only) | 5.1337% | 2,341 |
| Net charge-offs to loans | 0.2390% | 4,854 |
| Credit loss provision to net charge-offs | 154.1096% | 2,302 |
| Earnings coverage of net charge-offs (x) | 9.0479% | 1,885 |
| Efficiency ratio | 69.6042% | 4,266 |
| Assets per employee ($millions) | 2.9963% | 6,106 |
| Cash dividends to net income (ytd only)* | 58.4471% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 5,954 |
| Loan loss allowance to noncurrent loans | 49.7041% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 4,026 |
| Noncurrent loans to loans | 2.2084% | 3,312 |
| Net loans and leases to total assets | 63.1485% | 4,040 |
| Net loans and leases to deposits | 72.6274% | 4,411 |
| Net loans and leases to core deposits | 75.7664% | 4,756 |
| Total domestic deposits to total assets | 86.9485% | 2,852 |
| Equity capital to assets | 9.8611% | 3,924 |
| Core capital (leverage) ratio | 9.6792% | 3,458 |
| Tier 1 risk-based capital ratio | 15.2143% | 3,144 |
| Total risk-based capital ratio | 16.3054% | 3,164 |
| Memoranda: | ||
| Average total assets | $93,467,800 | 5,177 |
| Average earning assets | $85,652,200 | 5,155 |
| Average equity | $9,486,400 | 5,270 |
| Average total loans | $61,093,600 | 5,023 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5650% | 2,194 |
| Cost of funding earning assets | 1.4258% | 3,421 |
| Net interest margin | 4.1392% | 2,450 |
| Noninterest income to average assets | 0.8930% | 1,823 |
| Noninterest expense to average assets | 3.1357% | 3,164 |
| Loan and lease loss provision to assets | 0.1938% | 5,100 |
| Net operating income to assets | 1.3439% | 1,244 |
| Return on assets (ROA) | 1.3439% | 1,319 |
| Pretax return on assets | 1.3439% | 2,055 |
| Return on Equity (ROE) | 13.1445% | 1,219 |
| Retained earnings to average equity (ytd only) | 8.1310% | 1,380 |
| Net charge-offs to loans | 0.1790% | 4,880 |
| Credit loss provision to net charge-offs | 164.6341% | 2,285 |
| Earnings coverage of net charge-offs (x) | 13.0610% | 1,622 |
| Efficiency ratio | 67.0968% | 4,641 |
| Assets per employee ($millions) | 2.9742% | 6,208 |
| Cash dividends to net income (ytd only)* | 38.1411% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 6,152 |
| Loan loss allowance to noncurrent loans | 43.7966% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6811% | 3,924 |
| Noncurrent loans to loans | 2.4034% | 3,231 |
| Net loans and leases to total assets | 63.8059% | 4,161 |
| Net loans and leases to deposits | 74.1266% | 4,485 |
| Net loans and leases to core deposits | 75.8374% | 5,076 |
| Total domestic deposits to total assets | 86.0769% | 3,031 |
| Equity capital to assets | 10.6322% | 3,372 |
| Core capital (leverage) ratio | 10.1028% | 3,146 |
| Tier 1 risk-based capital ratio | 15.3912% | 3,050 |
| Total risk-based capital ratio | 16.4406% | 3,130 |
| Memoranda: | ||
| Average total assets | $92,864,250 | 5,255 |
| Average earning assets | $84,813,500 | 5,244 |
| Average equity | $9,494,250 | 5,342 |
| Average total loans | $61,062,000 | 5,100 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4928% | 2,549 |
| Cost of funding earning assets | 1.4654% | 3,456 |
| Net interest margin | 4.0274% | 2,888 |
| Noninterest income to average assets | 0.9078% | 1,666 |
| Noninterest expense to average assets | 3.2423% | 2,754 |
| Loan and lease loss provision to assets | 0.2280% | 4,623 |
| Net operating income to assets | 1.1141% | 1,807 |
| Return on assets (ROA) | 1.1141% | 1,875 |
| Pretax return on assets | 1.1141% | 2,734 |
| Return on Equity (ROE) | 11.0489% | 1,739 |
| Retained earnings to average equity (ytd only) | 5.1906% | 2,789 |
| Net charge-offs to loans | 0.1542% | 4,712 |
| Credit loss provision to net charge-offs | 223.4043% | 1,741 |
| Earnings coverage of net charge-offs (x) | 13.1489% | 1,611 |
| Efficiency ratio | 70.7248% | 4,032 |
| Assets per employee ($millions) | 2.8940% | 6,371 |
| Cash dividends to net income (ytd only)* | 53.0214% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 6,174 |
| Loan loss allowance to noncurrent loans | 46.9020% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4988% | 4,211 |
| Noncurrent loans to loans | 2.2420% | 3,437 |
| Net loans and leases to total assets | 66.1466% | 3,800 |
| Net loans and leases to deposits | 76.5655% | 4,227 |
| Net loans and leases to core deposits | 78.3678% | 4,880 |
| Total domestic deposits to total assets | 86.3921% | 2,873 |
| Equity capital to assets | 10.2313% | 3,730 |
| Core capital (leverage) ratio | 9.8274% | 3,367 |
| Tier 1 risk-based capital ratio | 14.8857% | 3,218 |
| Total risk-based capital ratio | 15.9463% | 3,302 |
| Memoranda: | ||
| Average total assets | $92,094,670 | 5,312 |
| Average earning assets | $84,073,330 | 5,295 |
| Average equity | $9,286,000 | 5,419 |
| Average total loans | $60,958,670 | 5,136 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 3,016 |
| Cost of funding earning assets | 1.4733% | 3,719 |
| Net interest margin | 3.9320% | 3,189 |
| Noninterest income to average assets | 0.8667% | 1,751 |
| Noninterest expense to average assets | 3.1403% | 3,104 |
| Loan and lease loss provision to assets | 0.0436% | 6,235 |
| Net operating income to assets | 1.2631% | 1,378 |
| Return on assets (ROA) | 1.2631% | 1,450 |
| Pretax return on assets | 1.2631% | 2,161 |
| Return on Equity (ROE) | 12.6204% | 1,345 |
| Retained earnings to average equity (ytd only) | 4.3518% | 3,542 |
| Net charge-offs to loans | -0.0066% | 6,839 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6170% | 4,191 |
| Assets per employee ($millions) | 2.9104% | 6,415 |
| Cash dividends to net income (ytd only)* | 65.5172% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,460 |
| Loan loss allowance to noncurrent loans | 42.2378% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5850% | 4,124 |
| Noncurrent loans to loans | 2.3708% | 3,309 |
| Net loans and leases to total assets | 66.1841% | 3,808 |
| Net loans and leases to deposits | 76.6964% | 4,284 |
| Net loans and leases to core deposits | 79.1768% | 4,871 |
| Total domestic deposits to total assets | 86.2937% | 2,988 |
| Equity capital to assets | 10.2670% | 3,511 |
| Core capital (leverage) ratio | 9.8886% | 3,296 |
| Tier 1 risk-based capital ratio | 15.0816% | 3,074 |
| Total risk-based capital ratio | 16.0942% | 3,146 |
| Memoranda: | ||
| Average total assets | $91,838,000 | 5,390 |
| Average earning assets | $83,621,500 | 5,375 |
| Average equity | $9,191,500 | 5,482 |
| Average total loans | $60,484,000 | 5,227 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7671% | 2,793 |
| Cost of funding earning assets | 1.6739% | 4,647 |
| Net interest margin | 4.0932% | 2,486 |
| Noninterest income to average assets | 0.9224% | 1,861 |
| Noninterest expense to average assets | 3.6600% | 2,005 |
| Loan and lease loss provision to assets | 0.0340% | 7,190 |
| Net operating income to assets | 1.1329% | 1,433 |
| Return on assets (ROA) | 1.1329% | 1,461 |
| Pretax return on assets | 0.9507% | 2,758 |
| Return on Equity (ROE) | 10.9723% | 1,432 |
| Retained earnings to average equity (ytd only) | 2.6526% | 3,293 |
| Net charge-offs to loans | 0.0597% | 6,496 |
| Credit loss provision to net charge-offs | 85.7143% | 6,136 |
| Earnings coverage of net charge-offs (x) | 24.8571% | 894 |
| Efficiency ratio | 78.8012% | 3,076 |
| Assets per employee ($millions) | 2.9205% | 6,413 |
| Cash dividends to net income (ytd only)* | 75.8242% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 6,494 |
| Loan loss allowance to noncurrent loans | 45.5453% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 1.3932% | 4,331 |
| Noncurrent loans to loans | 2.1467% | 3,458 |
| Net loans and leases to total assets | 64.2652% | 4,540 |
| Net loans and leases to deposits | 75.3904% | 4,831 |
| Net loans and leases to core deposits | 94.5469% | 4,619 |
| Total domestic deposits to total assets | 85.2432% | 3,436 |
| Equity capital to assets | 9.7587% | 4,052 |
| Core capital (leverage) ratio | 9.8387% | 3,287 |
| Tier 1 risk-based capital ratio | 14.4308% | 3,247 |
| Total risk-based capital ratio | 15.3927% | 3,369 |
| Memoranda: | ||
| Average total assets | $88,360,400 | 5,435 |
| Average earning assets | $80,352,200 | 5,446 |
| Average equity | $9,123,000 | 5,571 |
| Average total loans | $58,651,000 | 5,310 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7997% | 2,894 |
| Cost of funding earning assets | 1.6803% | 4,997 |
| Net interest margin | 4.1194% | 2,322 |
| Noninterest income to average assets | 0.9293% | 1,865 |
| Noninterest expense to average assets | 3.5688% | 2,099 |
| Loan and lease loss provision to assets | 0.0337% | 7,023 |
| Net operating income to assets | 1.3304% | 1,155 |
| Return on assets (ROA) | 1.3304% | 1,218 |
| Pretax return on assets | 1.0840% | 2,628 |
| Return on Equity (ROE) | 12.6992% | 1,177 |
| Retained earnings to average equity (ytd only) | 6.8683% | 1,561 |
| Net charge-offs to loans | 0.0046% | 6,912 |
| Credit loss provision to net charge-offs | 1,100.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 364.5356% | 103 |
| Efficiency ratio | 76.1516% | 3,485 |
| Assets per employee ($millions) | 2.8070% | 6,637 |
| Cash dividends to net income (ytd only)* | 45.9150% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 6,122 |
| Loan loss allowance to noncurrent loans | 64.1745% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2702% | 4,529 |
| Noncurrent loans to loans | 1.6003% | 4,234 |
| Net loans and leases to total assets | 66.3056% | 4,353 |
| Net loans and leases to deposits | 78.7922% | 4,599 |
| Net loans and leases to core deposits | 98.6893% | 4,522 |
| Total domestic deposits to total assets | 84.1525% | 3,653 |
| Equity capital to assets | 10.5394% | 3,469 |
| Core capital (leverage) ratio | 10.3519% | 2,924 |
| Tier 1 risk-based capital ratio | 15.1639% | 2,970 |
| Total risk-based capital ratio | 16.1908% | 3,003 |
| Memoranda: | ||
| Average total assets | $87,086,750 | 5,513 |
| Average earning assets | $79,427,750 | 5,510 |
| Average equity | $9,123,750 | 5,625 |
| Average total loans | $58,150,750 | 5,371 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7960% | 3,067 |
| Cost of funding earning assets | 1.6850% | 5,348 |
| Net interest margin | 4.1110% | 2,282 |
| Noninterest income to average assets | 0.8912% | 2,017 |
| Noninterest expense to average assets | 3.5208% | 2,279 |
| Loan and lease loss provision to assets | 0.0348% | 6,891 |
| Net operating income to assets | 1.4691% | 898 |
| Return on assets (ROA) | 1.4691% | 959 |
| Pretax return on assets | 1.0955% | 2,652 |
| Return on Equity (ROE) | 14.0521% | 980 |
| Retained earnings to average equity (ytd only) | 7.3923% | 1,435 |
| Net charge-offs to loans | -0.0070% | 7,569 |
| Credit loss provision to net charge-offs | -750.0000% | 7,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6986% | 3,742 |
| Assets per employee ($millions) | 2.9177% | 6,335 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 5,757 |
| Loan loss allowance to noncurrent loans | 63.8629% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.2615% | 4,415 |
| Noncurrent loans to loans | 1.6816% | 3,978 |
| Net loans and leases to total assets | 62.6324% | 5,245 |
| Net loans and leases to deposits | 73.9936% | 5,453 |
| Net loans and leases to core deposits | 89.3732% | 5,588 |
| Total domestic deposits to total assets | 84.6457% | 3,425 |
| Equity capital to assets | 10.0829% | 3,835 |
| Core capital (leverage) ratio | 10.3965% | 2,906 |
| Tier 1 risk-based capital ratio | 15.3880% | 2,861 |
| Total risk-based capital ratio | 16.4410% | 2,875 |
| Memoranda: | ||
| Average total assets | $86,174,000 | 5,578 |
| Average earning assets | $78,812,330 | 5,569 |
| Average equity | $9,009,330 | 5,685 |
| Average total loans | $57,475,330 | 5,450 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9962% | 2,385 |
| Cost of funding earning assets | 1.7199% | 5,517 |
| Net interest margin | 4.2763% | 1,656 |
| Noninterest income to average assets | 0.8377% | 2,136 |
| Noninterest expense to average assets | 3.3890% | 2,392 |
| Loan and lease loss provision to assets | 0.0333% | 6,523 |
| Net operating income to assets | 2.0753% | 302 |
| Return on assets (ROA) | 2.0753% | 346 |
| Pretax return on assets | 1.3090% | 2,252 |
| Return on Equity (ROE) | 19.4773% | 465 |
| Retained earnings to average equity (ytd only) | 14.9207% | 426 |
| Net charge-offs to loans | 0.0417% | 4,899 |
| Credit loss provision to net charge-offs | 116.6667% | 3,343 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 761 |
| Efficiency ratio | 71.6298% | 4,248 |
| Assets per employee ($millions) | 2.7451% | 6,777 |
| Cash dividends to net income (ytd only)* | 23.3945% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,950 |
| Loan loss allowance to noncurrent loans | 61.1224% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3608% | 3,939 |
| Noncurrent loans to loans | 1.6836% | 3,732 |
| Net loans and leases to total assets | 67.6984% | 4,208 |
| Net loans and leases to deposits | 80.9834% | 4,454 |
| Net loans and leases to core deposits | 99.2318% | 4,619 |
| Total domestic deposits to total assets | 83.5954% | 3,881 |
| Equity capital to assets | 10.8005% | 3,186 |
| Core capital (leverage) ratio | 10.8074% | 2,648 |
| Tier 1 risk-based capital ratio | 15.4813% | 2,860 |
| Total risk-based capital ratio | 16.5128% | 2,891 |
| Memoranda: | ||
| Average total assets | $84,036,000 | 5,670 |
| Average earning assets | $76,514,500 | 5,674 |
| Average equity | $8,954,000 | 5,714 |
| Average total loans | $57,580,000 | 5,472 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8304% | 1,586 |
| Cost of funding earning assets | 2.1151% | 5,982 |
| Net interest margin | 4.7153% | 942 |
| Noninterest income to average assets | 0.9775% | 1,665 |
| Noninterest expense to average assets | 3.7052% | 1,948 |
| Loan and lease loss provision to assets | 0.0160% | 7,181 |
| Net operating income to assets | 1.1145% | 2,088 |
| Return on assets (ROA) | 1.1145% | 2,005 |
| Pretax return on assets | 1.5403% | 1,565 |
| Return on Equity (ROE) | 9.4601% | 2,451 |
| Retained earnings to average equity (ytd only) | -7.9829% | 6,886 |
| Net charge-offs to loans | 0.0913% | 5,430 |
| Credit loss provision to net charge-offs | 25.4902% | 6,555 |
| Earnings coverage of net charge-offs (x) | 24.7255% | 1,365 |
| Efficiency ratio | 70.4199% | 4,267 |
| Assets per employee ($millions) | 2.6766% | 6,839 |
| Cash dividends to net income (ytd only)* | 184.3854% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 5,629 |
| Loan loss allowance to noncurrent loans | 90.4690% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 4,727 |
| Noncurrent loans to loans | 1.1606% | 4,209 |
| Net loans and leases to total assets | 67.9165% | 4,479 |
| Net loans and leases to deposits | 81.2858% | 4,830 |
| Net loans and leases to core deposits | 98.1520% | 5,026 |
| Total domestic deposits to total assets | 83.5527% | 3,552 |
| Equity capital to assets | 10.5057% | 3,498 |
| Core capital (leverage) ratio | 10.5042% | 2,974 |
| Tier 1 risk-based capital ratio | 15.3132% | 2,915 |
| Total risk-based capital ratio | 16.3712% | 2,917 |
| Memoranda: | ||
| Average total assets | $81,021,800 | 5,660 |
| Average earning assets | $73,612,200 | 5,682 |
| Average equity | $9,545,400 | 5,557 |
| Average total loans | $55,889,600 | 5,454 |