Home > Manhattan Bank > Performance and Condition Ratios
Manhattan Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1219% | 2,887 |
| Cost of funding earning assets | 1.6086% | 3,157 |
| Net interest margin | 3.5133% | 2,047 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 2.3751% | 2,651 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.1546% | 1,611 |
| Return on assets (ROA) | 1.1546% | 1,616 |
| Pretax return on assets | 1.1546% | 2,101 |
| Return on Equity (ROE) | 16.8000% | 693 |
| Retained earnings to average equity (ytd only) | 8.8033% | 857 |
| Net charge-offs to loans | 0.0125% | 2,453 |
| Credit loss provision to net charge-offs | 857.1429% | 431 |
| Earnings coverage of net charge-offs (x) | 150.2857% | 622 |
| Efficiency ratio | 65.9840% | 2,495 |
| Assets per employee ($millions) | 6.9201% | 2,214 |
| Cash dividends to net income (ytd only)* | 47.6142% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9580% | 398 |
| Loan loss allowance to noncurrent loans | 9,374.2857% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,651 |
| Noncurrent loans to loans | 0.0209% | 3,599 |
| Net loans and leases to total assets | 62.4800% | 2,715 |
| Net loans and leases to deposits | 71.8257% | 2,804 |
| Net loans and leases to core deposits | 75.6513% | 3,071 |
| Total domestic deposits to total assets | 86.9800% | 1,875 |
| Equity capital to assets | 6.9573% | 3,983 |
| Core capital (leverage) ratio | 9.7975% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7599% | 1,106 |
| Memoranda: | ||
| Average total assets | $257,760,800 | 2,661 |
| Average earning assets | $242,078,200 | 2,640 |
| Average equity | $17,709,200 | 3,121 |
| Average total loans | $168,212,200 | 2,590 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0403% | 2,973 |
| Cost of funding earning assets | 1.5964% | 3,179 |
| Net interest margin | 3.4439% | 2,147 |
| Noninterest income to average assets | 0.3000% | 3,043 |
| Noninterest expense to average assets | 2.4149% | 2,471 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 1.0502% | 1,907 |
| Return on assets (ROA) | 1.0502% | 1,916 |
| Pretax return on assets | 1.0502% | 2,383 |
| Return on Equity (ROE) | 15.3400% | 898 |
| Retained earnings to average equity (ytd only) | 7.3639% | 1,612 |
| Net charge-offs to loans | 0.0135% | 2,151 |
| Credit loss provision to net charge-offs | 794.1176% | 467 |
| Earnings coverage of net charge-offs (x) | 126.7647% | 684 |
| Efficiency ratio | 68.3088% | 2,226 |
| Assets per employee ($millions) | 6.6267% | 2,417 |
| Cash dividends to net income (ytd only)* | 51.9802% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 455 |
| Loan loss allowance to noncurrent loans | 7,534.8837% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,654 |
| Noncurrent loans to loans | 0.0254% | 3,626 |
| Net loans and leases to total assets | 64.2300% | 2,507 |
| Net loans and leases to deposits | 74.6704% | 2,633 |
| Net loans and leases to core deposits | 79.2198% | 2,863 |
| Total domestic deposits to total assets | 86.0100% | 1,928 |
| Equity capital to assets | 7.6706% | 3,895 |
| Core capital (leverage) ratio | 9.7186% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2644% | 1,242 |
| Memoranda: | ||
| Average total assets | $256,460,500 | 2,662 |
| Average earning assets | $240,959,750 | 2,641 |
| Average equity | $17,562,750 | 3,134 |
| Average total loans | $168,372,000 | 2,583 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 3,013 |
| Cost of funding earning assets | 1.5653% | 3,147 |
| Net interest margin | 3.3934% | 2,196 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.3792% | 2,581 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.0438% | 1,859 |
| Return on assets (ROA) | 1.0438% | 1,871 |
| Pretax return on assets | 1.0438% | 2,351 |
| Return on Equity (ROE) | 15.8800% | 857 |
| Retained earnings to average equity (ytd only) | 7.7696% | 1,442 |
| Net charge-offs to loans | 0.0012% | 2,551 |
| Credit loss provision to net charge-offs | 9,000.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 1,425.0000% | 71 |
| Efficiency ratio | 68.1065% | 2,319 |
| Assets per employee ($millions) | 6.6318% | 2,310 |
| Cash dividends to net income (ytd only)* | 51.0861% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9286% | 442 |
| Loan loss allowance to noncurrent loans | 4,459.7222% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,531 |
| Noncurrent loans to loans | 0.0432% | 3,466 |
| Net loans and leases to total assets | 63.1300% | 2,635 |
| Net loans and leases to deposits | 71.8231% | 2,849 |
| Net loans and leases to core deposits | 77.1479% | 2,974 |
| Total domestic deposits to total assets | 87.9000% | 1,359 |
| Equity capital to assets | 6.6196% | 4,067 |
| Core capital (leverage) ratio | 9.5462% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1743% | 1,228 |
| Memoranda: | ||
| Average total assets | $255,800,667 | 2,667 |
| Average earning assets | $240,470,000 | 2,640 |
| Average equity | $16,809,000 | 3,174 |
| Average total loans | $168,086,000 | 2,581 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8805% | 3,014 |
| Cost of funding earning assets | 1.5498% | 3,082 |
| Net interest margin | 3.3306% | 2,275 |
| Noninterest income to average assets | 0.3000% | 2,941 |
| Noninterest expense to average assets | 2.3886% | 2,554 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.9655% | 2,039 |
| Return on assets (ROA) | 0.9655% | 2,043 |
| Pretax return on assets | 0.9655% | 2,481 |
| Return on Equity (ROE) | 14.7500% | 1,029 |
| Retained earnings to average equity (ytd only) | 6.1010% | 2,077 |
| Net charge-offs to loans | 0.0024% | 2,094 |
| Credit loss provision to net charge-offs | 4,500.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 659.0000% | 154 |
| Efficiency ratio | 69.7429% | 2,176 |
| Assets per employee ($millions) | 6.6761% | 2,304 |
| Cash dividends to net income (ytd only)* | 58.6319% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 478 |
| Loan loss allowance to noncurrent loans | 4,870.7692% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,571 |
| Noncurrent loans to loans | 0.0386% | 3,498 |
| Net loans and leases to total assets | 65.1600% | 2,349 |
| Net loans and leases to deposits | 73.4587% | 2,640 |
| Net loans and leases to core deposits | 78.7336% | 2,815 |
| Total domestic deposits to total assets | 88.7100% | 1,195 |
| Equity capital to assets | 6.5240% | 4,074 |
| Core capital (leverage) ratio | 9.4175% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7987% | 1,331 |
| Memoranda: | ||
| Average total assets | $254,380,000 | 2,674 |
| Average earning assets | $238,993,000 | 2,660 |
| Average equity | $16,653,000 | 3,198 |
| Average total loans | $168,884,000 | 2,572 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 3,260 |
| Cost of funding earning assets | 1.1284% | 2,994 |
| Net interest margin | 3.2822% | 2,677 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.2311% | 3,038 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1103% | 1,890 |
| Return on assets (ROA) | 1.0641% | 1,996 |
| Pretax return on assets | 1.0641% | 2,506 |
| Return on Equity (ROE) | 18.5000% | 757 |
| Retained earnings to average equity (ytd only) | 10.0380% | 1,010 |
| Net charge-offs to loans | 0.0037% | 2,622 |
| Credit loss provision to net charge-offs | 1,716.6667% | 260 |
| Earnings coverage of net charge-offs (x) | 493.5000% | 299 |
| Efficiency ratio | 65.9812% | 2,359 |
| Assets per employee ($millions) | 6.7123% | 2,264 |
| Cash dividends to net income (ytd only)* | 45.7466% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 494 |
| Loan loss allowance to noncurrent loans | 6,642.5532% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,623 |
| Noncurrent loans to loans | 0.0278% | 3,544 |
| Net loans and leases to total assets | 65.1500% | 2,352 |
| Net loans and leases to deposits | 74.8760% | 2,549 |
| Net loans and leases to core deposits | 78.7480% | 2,783 |
| Total domestic deposits to total assets | 87.0100% | 1,677 |
| Equity capital to assets | 6.5689% | 4,092 |
| Core capital (leverage) ratio | 9.4117% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6518% | 1,359 |
| Memoranda: | ||
| Average total assets | $257,405,200 | 2,637 |
| Average earning assets | $241,762,200 | 2,615 |
| Average equity | $14,803,800 | 3,285 |
| Average total loans | $161,442,200 | 2,590 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 3,279 |
| Cost of funding earning assets | 1.0602% | 2,860 |
| Net interest margin | 3.2477% | 2,809 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.2429% | 2,964 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0667% | 2,161 |
| Return on assets (ROA) | 1.0052% | 2,338 |
| Pretax return on assets | 1.0052% | 2,845 |
| Return on Equity (ROE) | 18.1100% | 938 |
| Retained earnings to average equity (ytd only) | 9.2388% | 1,624 |
| Net charge-offs to loans | 0.0017% | 2,528 |
| Credit loss provision to net charge-offs | 4,100.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 1,073.0000% | 142 |
| Efficiency ratio | 66.9134% | 2,157 |
| Assets per employee ($millions) | 6.6683% | 2,205 |
| Cash dividends to net income (ytd only)* | 48.9974% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 463 |
| Loan loss allowance to noncurrent loans | 10,706.8966% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,740 |
| Noncurrent loans to loans | 0.0179% | 3,649 |
| Net loans and leases to total assets | 62.6900% | 2,592 |
| Net loans and leases to deposits | 67.9804% | 2,978 |
| Net loans and leases to core deposits | 71.4419% | 3,136 |
| Total domestic deposits to total assets | 92.2200% | 416 |
| Equity capital to assets | 5.3308% | 4,187 |
| Core capital (leverage) ratio | 9.0861% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9045% | 1,347 |
| Memoranda: | ||
| Average total assets | $257,989,750 | 2,641 |
| Average earning assets | $242,465,250 | 2,622 |
| Average equity | $14,316,000 | 3,314 |
| Average total loans | $159,480,500 | 2,613 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 3,341 |
| Cost of funding earning assets | 0.9695% | 2,701 |
| Net interest margin | 3.2098% | 2,965 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.2048% | 3,056 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0596% | 2,234 |
| Return on assets (ROA) | 1.0057% | 2,394 |
| Pretax return on assets | 1.0057% | 2,896 |
| Return on Equity (ROE) | 17.8900% | 972 |
| Retained earnings to average equity (ytd only) | 8.6388% | 1,781 |
| Net charge-offs to loans | 0.0025% | 2,256 |
| Credit loss provision to net charge-offs | 3,050.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 718.0000% | 205 |
| Efficiency ratio | 66.5813% | 2,170 |
| Assets per employee ($millions) | 6.9566% | 1,958 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9440% | 461 |
| Loan loss allowance to noncurrent loans | 5,140.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,574 |
| Noncurrent loans to loans | 0.0378% | 3,460 |
| Net loans and leases to total assets | 60.4400% | 2,734 |
| Net loans and leases to deposits | 67.2083% | 2,973 |
| Net loans and leases to core deposits | 69.9154% | 3,137 |
| Total domestic deposits to total assets | 89.9200% | 940 |
| Equity capital to assets | 5.7744% | 4,211 |
| Core capital (leverage) ratio | 8.9485% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7261% | 1,378 |
| Memoranda: | ||
| Average total assets | $259,520,667 | 2,638 |
| Average earning assets | $243,629,667 | 2,619 |
| Average equity | $14,585,333 | 3,308 |
| Average total loans | $158,651,000 | 2,615 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0829% | 3,280 |
| Cost of funding earning assets | 0.8241% | 2,635 |
| Net interest margin | 3.2588% | 2,971 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.2227% | 3,035 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0622% | 2,344 |
| Return on assets (ROA) | 1.0070% | 2,472 |
| Pretax return on assets | 1.0070% | 2,971 |
| Return on Equity (ROE) | 18.1600% | 1,006 |
| Retained earnings to average equity (ytd only) | 6.5345% | 2,631 |
| Net charge-offs to loans | 0.0025% | 1,933 |
| Credit loss provision to net charge-offs | 4,000.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 732.0000% | 158 |
| Efficiency ratio | 66.4220% | 2,165 |
| Assets per employee ($millions) | 6.6133% | 2,254 |
| Cash dividends to net income (ytd only)* | 64.0244% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 503 |
| Loan loss allowance to noncurrent loans | 9,284.8485% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,730 |
| Noncurrent loans to loans | 0.0207% | 3,628 |
| Net loans and leases to total assets | 60.5000% | 2,594 |
| Net loans and leases to deposits | 68.0052% | 2,764 |
| Net loans and leases to core deposits | 68.3624% | 3,067 |
| Total domestic deposits to total assets | 88.9700% | 1,554 |
| Equity capital to assets | 5.6219% | 4,310 |
| Core capital (leverage) ratio | 8.7077% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5625% | 1,475 |
| Memoranda: | ||
| Average total assets | $260,583,000 | 2,667 |
| Average earning assets | $244,630,000 | 2,645 |
| Average equity | $14,446,500 | 3,353 |
| Average total loans | $158,654,000 | 2,637 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 2,172 |
| Cost of funding earning assets | 0.2225% | 3,578 |
| Net interest margin | 3.6178% | 1,596 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.1164% | 3,247 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.4770% | 940 |
| Return on assets (ROA) | 1.4770% | 903 |
| Pretax return on assets | 1.4770% | 1,524 |
| Return on Equity (ROE) | 24.8400% | 220 |
| Retained earnings to average equity (ytd only) | 15.4283% | 259 |
| Net charge-offs to loans | 0.0134% | 1,877 |
| Credit loss provision to net charge-offs | 1,761.9048% | 285 |
| Earnings coverage of net charge-offs (x) | 205.1429% | 637 |
| Efficiency ratio | 56.7079% | 3,500 |
| Assets per employee ($millions) | 6.7499% | 2,155 |
| Cash dividends to net income (ytd only)* | 37.8873% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9122% | 522 |
| Loan loss allowance to noncurrent loans | 4,583.3333% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,585 |
| Noncurrent loans to loans | 0.0417% | 3,468 |
| Net loans and leases to total assets | 58.9500% | 2,738 |
| Net loans and leases to deposits | 64.3604% | 3,009 |
| Net loans and leases to core deposits | 64.9363% | 3,204 |
| Total domestic deposits to total assets | 91.5900% | 757 |
| Equity capital to assets | 5.4675% | 4,246 |
| Core capital (leverage) ratio | 8.3801% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3249% | 1,527 |
| Memoranda: | ||
| Average total assets | $266,629,400 | 2,627 |
| Average earning assets | $251,229,600 | 2,605 |
| Average equity | $15,854,000 | 3,288 |
| Average total loans | $156,332,600 | 2,573 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 1,890 |
| Cost of funding earning assets | 0.1463% | 3,882 |
| Net interest margin | 3.6040% | 1,381 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.1115% | 3,178 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.4261% | 1,018 |
| Return on assets (ROA) | 1.4261% | 987 |
| Pretax return on assets | 1.4261% | 1,642 |
| Return on Equity (ROE) | 23.5200% | 233 |
| Retained earnings to average equity (ytd only) | 14.5174% | 403 |
| Net charge-offs to loans | 0.0171% | 1,503 |
| Credit loss provision to net charge-offs | 1,475.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 157.8000% | 725 |
| Efficiency ratio | 57.3052% | 3,471 |
| Assets per employee ($millions) | 6.6704% | 2,180 |
| Cash dividends to net income (ytd only)* | 38.2733% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 650 |
| Loan loss allowance to noncurrent loans | 4,339.7059% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 3,680 |
| Noncurrent loans to loans | 0.0428% | 3,582 |
| Net loans and leases to total assets | 58.4000% | 2,653 |
| Net loans and leases to deposits | 61.7168% | 3,038 |
| Net loans and leases to core deposits | 62.6859% | 3,206 |
| Total domestic deposits to total assets | 94.6300% | 270 |
| Equity capital to assets | 4.6099% | 4,375 |
| Core capital (leverage) ratio | 8.1354% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8192% | 1,761 |
| Memoranda: | ||
| Average total assets | $267,474,750 | 2,639 |
| Average earning assets | $252,413,500 | 2,621 |
| Average equity | $16,219,250 | 3,292 |
| Average total loans | $155,866,250 | 2,580 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 1,625 |
| Cost of funding earning assets | 0.1267% | 3,885 |
| Net interest margin | 3.5427% | 1,199 |
| Noninterest income to average assets | 0.2884% | 3,447 |
| Noninterest expense to average assets | 2.0957% | 3,162 |
| Loan and lease loss provision to assets | 0.1569% | 598 |
| Net operating income to assets | 1.3792% | 958 |
| Return on assets (ROA) | 1.3792% | 939 |
| Pretax return on assets | 1.3792% | 1,498 |
| Return on Equity (ROE) | 21.0662% | 241 |
| Retained earnings to average equity (ytd only) | 13.1122% | 452 |
| Net charge-offs to loans | 0.0103% | 1,599 |
| Credit loss provision to net charge-offs | 2,625.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 459 |
| Efficiency ratio | 57.7042% | 3,599 |
| Assets per employee ($millions) | 6.6228% | 2,227 |
| Cash dividends to net income (ytd only)* | 37.7573% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8447% | 748 |
| Loan loss allowance to noncurrent loans | 1,868.8312% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 3,415 |
| Noncurrent loans to loans | 0.0987% | 3,266 |
| Net loans and leases to total assets | 56.3964% | 2,707 |
| Net loans and leases to deposits | 59.7059% | 3,071 |
| Net loans and leases to core deposits | 60.8206% | 3,209 |
| Total domestic deposits to total assets | 94.4571% | 201 |
| Equity capital to assets | 4.8277% | 4,506 |
| Core capital (leverage) ratio | 7.8489% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6731% | 1,812 |
| Memoranda: | ||
| Average total assets | $267,694,667 | 2,666 |
| Average earning assets | $252,630,667 | 2,653 |
| Average equity | $17,525,667 | 3,273 |
| Average total loans | $154,895,667 | 2,598 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 1,745 |
| Cost of funding earning assets | 0.1293% | 3,784 |
| Net interest margin | 3.3900% | 1,324 |
| Noninterest income to average assets | 0.3176% | 3,198 |
| Noninterest expense to average assets | 2.1055% | 3,127 |
| Loan and lease loss provision to assets | 0.1580% | 494 |
| Net operating income to assets | 1.2492% | 1,120 |
| Return on assets (ROA) | 1.2492% | 1,106 |
| Pretax return on assets | 1.2492% | 1,657 |
| Return on Equity (ROE) | 16.8238% | 440 |
| Retained earnings to average equity (ytd only) | 9.5267% | 1,141 |
| Net charge-offs to loans | 0.0104% | 1,379 |
| Credit loss provision to net charge-offs | 2,625.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 233.7500% | 390 |
| Efficiency ratio | 59.9400% | 3,484 |
| Assets per employee ($millions) | 6.8215% | 2,123 |
| Cash dividends to net income (ytd only)* | 43.3735% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 885 |
| Loan loss allowance to noncurrent loans | 445.0321% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 2,275 |
| Noncurrent loans to loans | 0.4041% | 2,049 |
| Net loans and leases to total assets | 55.5708% | 2,566 |
| Net loans and leases to deposits | 60.1589% | 2,891 |
| Net loans and leases to core deposits | 61.4333% | 3,028 |
| Total domestic deposits to total assets | 92.3734% | 443 |
| Equity capital to assets | 6.5700% | 4,400 |
| Core capital (leverage) ratio | 7.7939% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4825% | 1,999 |
| Memoranda: | ||
| Average total assets | $265,774,500 | 2,687 |
| Average earning assets | $250,503,000 | 2,679 |
| Average equity | $19,734,000 | 3,166 |
| Average total loans | $154,336,500 | 2,594 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6912% | 2,136 |
| Cost of funding earning assets | 0.1480% | 3,997 |
| Net interest margin | 3.5432% | 1,621 |
| Noninterest income to average assets | 0.2773% | 3,727 |
| Noninterest expense to average assets | 2.1858% | 3,131 |
| Loan and lease loss provision to assets | 0.1270% | 963 |
| Net operating income to assets | 1.2895% | 1,630 |
| Return on assets (ROA) | 1.2895% | 1,679 |
| Pretax return on assets | 1.2895% | 2,387 |
| Return on Equity (ROE) | 14.8307% | 989 |
| Retained earnings to average equity (ytd only) | 8.7863% | 1,258 |
| Net charge-offs to loans | 0.0035% | 2,486 |
| Credit loss provision to net charge-offs | 6,200.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 691.6000% | 213 |
| Efficiency ratio | 60.6777% | 3,049 |
| Assets per employee ($millions) | 6.6330% | 2,210 |
| Cash dividends to net income (ytd only)* | 40.7560% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7347% | 970 |
| Loan loss allowance to noncurrent loans | 291.5033% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 1,806 |
| Noncurrent loans to loans | 0.5951% | 1,650 |
| Net loans and leases to total assets | 58.5992% | 2,315 |
| Net loans and leases to deposits | 64.6749% | 2,628 |
| Net loans and leases to core deposits | 65.9605% | 2,825 |
| Total domestic deposits to total assets | 90.6057% | 666 |
| Equity capital to assets | 8.3270% | 4,161 |
| Core capital (leverage) ratio | 8.0174% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3600% | 2,094 |
| Memoranda: | ||
| Average total assets | $244,126,600 | 2,771 |
| Average earning assets | $229,083,600 | 2,754 |
| Average equity | $21,226,200 | 3,119 |
| Average total loans | $141,603,200 | 2,711 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 2,263 |
| Cost of funding earning assets | 0.1527% | 4,084 |
| Net interest margin | 3.5523% | 1,725 |
| Noninterest income to average assets | 0.2966% | 3,670 |
| Noninterest expense to average assets | 2.2376% | 2,937 |
| Loan and lease loss provision to assets | 0.1360% | 834 |
| Net operating income to assets | 1.2513% | 1,986 |
| Return on assets (ROA) | 1.2513% | 2,051 |
| Pretax return on assets | 1.2513% | 2,767 |
| Return on Equity (ROE) | 14.2299% | 1,332 |
| Retained earnings to average equity (ytd only) | 8.3223% | 1,945 |
| Net charge-offs to loans | 0.0039% | 2,211 |
| Credit loss provision to net charge-offs | 6,125.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 625.5000% | 248 |
| Efficiency ratio | 61.7314% | 2,737 |
| Assets per employee ($millions) | 6.7693% | 2,036 |
| Cash dividends to net income (ytd only)* | 41.5153% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 963 |
| Loan loss allowance to noncurrent loans | 257.8480% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 1,870 |
| Noncurrent loans to loans | 0.6913% | 1,597 |
| Net loans and leases to total assets | 55.9527% | 2,728 |
| Net loans and leases to deposits | 61.9368% | 3,048 |
| Net loans and leases to core deposits | 63.1776% | 3,205 |
| Total domestic deposits to total assets | 90.3384% | 623 |
| Equity capital to assets | 8.4732% | 4,229 |
| Core capital (leverage) ratio | 8.0971% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3472% | 2,236 |
| Memoranda: | ||
| Average total assets | $240,486,250 | 2,810 |
| Average earning assets | $225,310,500 | 2,799 |
| Average equity | $21,147,500 | 3,156 |
| Average total loans | $138,437,750 | 2,782 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 2,362 |
| Cost of funding earning assets | 0.1576% | 4,143 |
| Net interest margin | 3.5327% | 1,761 |
| Noninterest income to average assets | 0.3074% | 3,591 |
| Noninterest expense to average assets | 2.2614% | 2,876 |
| Loan and lease loss provision to assets | 0.1447% | 834 |
| Net operating income to assets | 1.2039% | 2,182 |
| Return on assets (ROA) | 1.2039% | 2,252 |
| Pretax return on assets | 1.2039% | 2,901 |
| Return on Equity (ROE) | 13.5108% | 1,563 |
| Retained earnings to average equity (ytd only) | 7.4912% | 2,254 |
| Net charge-offs to loans | -0.0029% | 3,284 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6415% | 2,642 |
| Assets per employee ($millions) | 6.2112% | 2,422 |
| Cash dividends to net income (ytd only)* | 44.5545% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 867 |
| Loan loss allowance to noncurrent loans | 7,479.4118% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,203 |
| Noncurrent loans to loans | 0.0242% | 4,099 |
| Net loans and leases to total assets | 55.5131% | 2,959 |
| Net loans and leases to deposits | 61.4461% | 3,259 |
| Net loans and leases to core deposits | 62.6445% | 3,407 |
| Total domestic deposits to total assets | 90.3444% | 626 |
| Equity capital to assets | 8.4570% | 4,237 |
| Core capital (leverage) ratio | 8.1612% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6404% | 2,107 |
| Memoranda: | ||
| Average total assets | $234,903,333 | 2,845 |
| Average earning assets | $219,608,000 | 2,832 |
| Average equity | $20,931,333 | 3,166 |
| Average total loans | $135,736,333 | 2,825 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8128% | 2,063 |
| Cost of funding earning assets | 0.1709% | 4,157 |
| Net interest margin | 3.6419% | 1,471 |
| Noninterest income to average assets | 0.3279% | 3,462 |
| Noninterest expense to average assets | 2.3355% | 2,686 |
| Loan and lease loss provision to assets | 0.1578% | 809 |
| Net operating income to assets | 1.2344% | 2,027 |
| Return on assets (ROA) | 1.2344% | 2,114 |
| Pretax return on assets | 1.2344% | 2,748 |
| Return on Equity (ROE) | 13.4792% | 1,545 |
| Retained earnings to average equity (ytd only) | 7.2948% | 2,480 |
| Net charge-offs to loans | -0.0030% | 3,227 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6529% | 2,648 |
| Assets per employee ($millions) | 6.0158% | 2,589 |
| Cash dividends to net income (ytd only)* | 45.8807% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 862 |
| Loan loss allowance to noncurrent loans | 6,838.8889% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 4,267 |
| Noncurrent loans to loans | 0.0264% | 4,159 |
| Net loans and leases to total assets | 57.0911% | 2,898 |
| Net loans and leases to deposits | 63.4274% | 3,175 |
| Net loans and leases to core deposits | 64.4957% | 3,367 |
| Total domestic deposits to total assets | 90.0101% | 813 |
| Equity capital to assets | 8.7593% | 3,901 |
| Core capital (leverage) ratio | 8.5200% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9711% | 1,906 |
| Memoranda: | ||
| Average total assets | $228,132,000 | 2,878 |
| Average earning assets | $212,967,500 | 2,869 |
| Average equity | $20,891,500 | 3,162 |
| Average total loans | $133,373,000 | 2,860 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 2,305 |
| Cost of funding earning assets | 0.3160% | 4,054 |
| Net interest margin | 3.8265% | 1,431 |
| Noninterest income to average assets | 0.2927% | 3,728 |
| Noninterest expense to average assets | 2.4092% | 3,110 |
| Loan and lease loss provision to assets | 0.1591% | 2,382 |
| Net operating income to assets | 1.3226% | 1,193 |
| Return on assets (ROA) | 1.3255% | 1,285 |
| Pretax return on assets | 1.3255% | 1,903 |
| Return on Equity (ROE) | 13.9578% | 822 |
| Retained earnings to average equity (ytd only) | 7.7726% | 1,125 |
| Net charge-offs to loans | -0.0050% | 4,127 |
| Credit loss provision to net charge-offs | -5,416.6667% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9197% | 3,149 |
| Assets per employee ($millions) | 5.9904% | 2,343 |
| Cash dividends to net income (ytd only)* | 44.3131% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8191% | 825 |
| Loan loss allowance to noncurrent loans | 2,789.4118% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,161 |
| Noncurrent loans to loans | 0.0652% | 4,032 |
| Net loans and leases to total assets | 57.7349% | 3,113 |
| Net loans and leases to deposits | 64.7439% | 3,383 |
| Net loans and leases to core deposits | 66.3220% | 3,517 |
| Total domestic deposits to total assets | 89.1742% | 910 |
| Equity capital to assets | 9.5792% | 3,534 |
| Core capital (leverage) ratio | 8.5699% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2464% | 1,764 |
| Memoranda: | ||
| Average total assets | $204,297,200 | 2,902 |
| Average earning assets | $192,110,000 | 2,894 |
| Average equity | $19,401,400 | 3,243 |
| Average total loans | $120,953,600 | 2,970 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 2,468 |
| Cost of funding earning assets | 0.3578% | 4,016 |
| Net interest margin | 3.8116% | 1,588 |
| Noninterest income to average assets | 0.2921% | 3,735 |
| Noninterest expense to average assets | 2.4751% | 2,917 |
| Loan and lease loss provision to assets | 0.1565% | 2,446 |
| Net operating income to assets | 1.2476% | 1,494 |
| Return on assets (ROA) | 1.2476% | 1,605 |
| Pretax return on assets | 1.2476% | 2,236 |
| Return on Equity (ROE) | 13.1685% | 1,063 |
| Retained earnings to average equity (ytd only) | 6.6230% | 1,840 |
| Net charge-offs to loans | -0.0090% | 4,201 |
| Credit loss provision to net charge-offs | -2,937.5000% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8020% | 2,768 |
| Assets per employee ($millions) | 5.7875% | 2,463 |
| Cash dividends to net income (ytd only)* | 49.7060% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 786 |
| Loan loss allowance to noncurrent loans | 687.6506% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 3,662 |
| Noncurrent loans to loans | 0.2562% | 3,385 |
| Net loans and leases to total assets | 57.8827% | 3,430 |
| Net loans and leases to deposits | 64.8887% | 3,714 |
| Net loans and leases to core deposits | 66.5868% | 3,858 |
| Total domestic deposits to total assets | 89.2031% | 685 |
| Equity capital to assets | 9.3896% | 3,776 |
| Core capital (leverage) ratio | 8.5559% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3089% | 1,728 |
| Memoranda: | ||
| Average total assets | $199,960,000 | 2,921 |
| Average earning assets | $188,193,500 | 2,907 |
| Average equity | $18,943,750 | 3,287 |
| Average total loans | $118,607,500 | 3,008 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,452 |
| Cost of funding earning assets | 0.4124% | 3,985 |
| Net interest margin | 3.8963% | 1,579 |
| Noninterest income to average assets | 0.2959% | 3,700 |
| Noninterest expense to average assets | 2.5473% | 2,835 |
| Loan and lease loss provision to assets | 0.1500% | 2,502 |
| Net operating income to assets | 1.2643% | 1,454 |
| Return on assets (ROA) | 1.2643% | 1,572 |
| Pretax return on assets | 1.2643% | 2,142 |
| Return on Equity (ROE) | 13.3007% | 1,036 |
| Retained earnings to average equity (ytd only) | 6.1170% | 2,020 |
| Net charge-offs to loans | -0.0104% | 4,221 |
| Credit loss provision to net charge-offs | -2,416.6667% | 3,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2988% | 2,784 |
| Assets per employee ($millions) | 5.6141% | 2,528 |
| Cash dividends to net income (ytd only)* | 54.0098% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 567 |
| Loan loss allowance to noncurrent loans | 2,639.7590% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 4,346 |
| Noncurrent loans to loans | 0.0707% | 4,180 |
| Net loans and leases to total assets | 54.0172% | 3,872 |
| Net loans and leases to deposits | 60.5749% | 4,086 |
| Net loans and leases to core deposits | 62.2270% | 4,168 |
| Total domestic deposits to total assets | 89.1743% | 675 |
| Equity capital to assets | 9.4237% | 3,724 |
| Core capital (leverage) ratio | 8.9774% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8651% | 1,529 |
| Memoranda: | ||
| Average total assets | $193,305,333 | 2,959 |
| Average earning assets | $181,866,000 | 2,936 |
| Average equity | $18,375,000 | 3,331 |
| Average total loans | $114,949,667 | 3,037 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 2,125 |
| Cost of funding earning assets | 0.4825% | 4,020 |
| Net interest margin | 4.0782% | 1,179 |
| Noninterest income to average assets | 0.3383% | 3,491 |
| Noninterest expense to average assets | 2.6908% | 2,733 |
| Loan and lease loss provision to assets | 0.1309% | 2,085 |
| Net operating income to assets | 1.3530% | 1,098 |
| Return on assets (ROA) | 1.3530% | 1,181 |
| Pretax return on assets | 1.3530% | 1,709 |
| Return on Equity (ROE) | 14.1629% | 664 |
| Retained earnings to average equity (ytd only) | 5.9393% | 1,895 |
| Net charge-offs to loans | -0.0317% | 4,486 |
| Credit loss provision to net charge-offs | -666.6667% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4537% | 3,162 |
| Assets per employee ($millions) | 4.9032% | 2,745 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 643 |
| Loan loss allowance to noncurrent loans | 536.6412% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 3,630 |
| Noncurrent loans to loans | 0.3484% | 3,238 |
| Net loans and leases to total assets | 59.4063% | 3,555 |
| Net loans and leases to deposits | 66.6039% | 3,822 |
| Net loans and leases to core deposits | 68.9046% | 3,944 |
| Total domestic deposits to total assets | 89.1934% | 588 |
| Equity capital to assets | 9.2447% | 4,438 |
| Core capital (leverage) ratio | 9.5309% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0011% | 1,601 |
| Memoranda: | ||
| Average total assets | $183,291,000 | 3,021 |
| Average earning assets | $172,427,500 | 2,991 |
| Average equity | $17,510,500 | 3,419 |
| Average total loans | $113,710,500 | 3,034 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 2,723 |
| Cost of funding earning assets | 0.5022% | 4,083 |
| Net interest margin | 4.0643% | 1,639 |
| Noninterest income to average assets | 0.3529% | 3,587 |
| Noninterest expense to average assets | 2.8119% | 2,563 |
| Loan and lease loss provision to assets | 0.0946% | 2,144 |
| Net operating income to assets | 1.2840% | 1,755 |
| Return on assets (ROA) | 1.2952% | 1,784 |
| Pretax return on assets | 1.2952% | 2,519 |
| Return on Equity (ROE) | 14.2303% | 855 |
| Retained earnings to average equity (ytd only) | 6.0664% | 1,831 |
| Net charge-offs to loans | 0.0027% | 3,590 |
| Credit loss provision to net charge-offs | 5,666.6667% | 80 |
| Earnings coverage of net charge-offs (x) | 825.6667% | 126 |
| Efficiency ratio | 67.1005% | 2,604 |
| Assets per employee ($millions) | 4.6221% | 3,058 |
| Cash dividends to net income (ytd only)* | 57.3700% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 683 |
| Loan loss allowance to noncurrent loans | 279.0698% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 2,780 |
| Noncurrent loans to loans | 0.6377% | 2,290 |
| Net loans and leases to total assets | 62.4570% | 3,360 |
| Net loans and leases to deposits | 70.7330% | 3,612 |
| Net loans and leases to core deposits | 73.0948% | 3,792 |
| Total domestic deposits to total assets | 88.2997% | 979 |
| Equity capital to assets | 9.8724% | 4,036 |
| Core capital (leverage) ratio | 9.4878% | 4,080 |
| Tier 1 risk-based capital ratio | 14.3637% | 3,085 |
| Total risk-based capital ratio | 15.6196% | 2,992 |
| Memoranda: | ||
| Average total assets | $179,667,200 | 3,023 |
| Average earning assets | $169,649,800 | 2,994 |
| Average equity | $16,352,400 | 3,512 |
| Average total loans | $109,235,000 | 3,103 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 2,991 |
| Cost of funding earning assets | 0.5023% | 4,132 |
| Net interest margin | 4.0181% | 1,874 |
| Noninterest income to average assets | 0.3498% | 3,637 |
| Noninterest expense to average assets | 2.8267% | 2,482 |
| Loan and lease loss provision to assets | 0.0817% | 2,275 |
| Net operating income to assets | 1.2381% | 2,065 |
| Return on assets (ROA) | 1.2529% | 2,088 |
| Pretax return on assets | 1.2529% | 2,810 |
| Return on Equity (ROE) | 14.0655% | 971 |
| Retained earnings to average equity (ytd only) | 5.7529% | 2,476 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1712% | 2,383 |
| Assets per employee ($millions) | 4.8495% | 2,731 |
| Cash dividends to net income (ytd only)* | 59.0989% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 758 |
| Loan loss allowance to noncurrent loans | 419.2389% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 3,537 |
| Noncurrent loans to loans | 0.4146% | 3,060 |
| Net loans and leases to total assets | 60.8319% | 3,612 |
| Net loans and leases to deposits | 68.3639% | 3,899 |
| Net loans and leases to core deposits | 70.5823% | 4,028 |
| Total domestic deposits to total assets | 88.9825% | 614 |
| Equity capital to assets | 9.3542% | 4,559 |
| Core capital (leverage) ratio | 9.2320% | 4,450 |
| Tier 1 risk-based capital ratio | 14.0910% | 3,286 |
| Total risk-based capital ratio | 15.3467% | 3,185 |
| Memoranda: | ||
| Average total assets | $179,519,000 | 3,049 |
| Average earning assets | $169,628,750 | 3,016 |
| Average equity | $15,991,500 | 3,579 |
| Average total loans | $107,887,500 | 3,154 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 3,126 |
| Cost of funding earning assets | 0.4989% | 4,118 |
| Net interest margin | 3.9659% | 2,030 |
| Noninterest income to average assets | 0.3484% | 3,606 |
| Noninterest expense to average assets | 2.8348% | 2,465 |
| Loan and lease loss provision to assets | 0.0731% | 2,357 |
| Net operating income to assets | 1.1847% | 2,207 |
| Return on assets (ROA) | 1.2072% | 2,187 |
| Pretax return on assets | 1.2072% | 2,882 |
| Return on Equity (ROE) | 13.7904% | 1,024 |
| Retained earnings to average equity (ytd only) | 5.1233% | 2,708 |
| Net charge-offs to loans | 0.0094% | 2,796 |
| Credit loss provision to net charge-offs | 1,300.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 223.8000% | 356 |
| Efficiency ratio | 69.2667% | 2,337 |
| Assets per employee ($millions) | 4.7161% | 2,855 |
| Cash dividends to net income (ytd only)* | 62.8492% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 755 |
| Loan loss allowance to noncurrent loans | 1,001.5544% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 4,231 |
| Noncurrent loans to loans | 0.1746% | 3,931 |
| Net loans and leases to total assets | 59.0591% | 3,816 |
| Net loans and leases to deposits | 66.1642% | 4,086 |
| Net loans and leases to core deposits | 68.3116% | 4,192 |
| Total domestic deposits to total assets | 89.2614% | 565 |
| Equity capital to assets | 9.1134% | 4,730 |
| Core capital (leverage) ratio | 9.3618% | 4,297 |
| Tier 1 risk-based capital ratio | 14.1992% | 3,212 |
| Total risk-based capital ratio | 15.4543% | 3,124 |
| Memoranda: | ||
| Average total assets | $177,932,000 | 3,079 |
| Average earning assets | $167,980,000 | 3,051 |
| Average equity | $15,576,000 | 3,625 |
| Average total loans | $105,822,000 | 3,197 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 3,117 |
| Cost of funding earning assets | 0.4974% | 4,072 |
| Net interest margin | 3.9330% | 2,083 |
| Noninterest income to average assets | 0.3544% | 3,487 |
| Noninterest expense to average assets | 2.8033% | 2,557 |
| Loan and lease loss provision to assets | 0.0686% | 2,289 |
| Net operating income to assets | 1.1890% | 2,099 |
| Return on assets (ROA) | 1.2210% | 2,030 |
| Pretax return on assets | 1.2210% | 2,727 |
| Return on Equity (ROE) | 14.2562% | 912 |
| Retained earnings to average equity (ytd only) | 4.6453% | 3,065 |
| Net charge-offs to loans | 0.0193% | 2,074 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 627 |
| Efficiency ratio | 69.0315% | 2,495 |
| Assets per employee ($millions) | 4.3131% | 3,470 |
| Cash dividends to net income (ytd only)* | 67.4157% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 633 |
| Loan loss allowance to noncurrent loans | 3,581.1321% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,696 |
| Noncurrent loans to loans | 0.0518% | 4,532 |
| Net loans and leases to total assets | 56.7489% | 3,998 |
| Net loans and leases to deposits | 62.9358% | 4,246 |
| Net loans and leases to core deposits | 65.0418% | 4,327 |
| Total domestic deposits to total assets | 90.1695% | 395 |
| Equity capital to assets | 8.7793% | 4,838 |
| Core capital (leverage) ratio | 9.3444% | 4,323 |
| Tier 1 risk-based capital ratio | 14.8798% | 2,928 |
| Total risk-based capital ratio | 16.1360% | 2,857 |
| Memoranda: | ||
| Average total assets | $174,935,000 | 3,145 |
| Average earning assets | $164,861,000 | 3,117 |
| Average equity | $14,983,000 | 3,701 |
| Average total loans | $103,454,000 | 3,263 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 2,647 |
| Cost of funding earning assets | 0.3850% | 4,079 |
| Net interest margin | 4.0506% | 1,823 |
| Noninterest income to average assets | 0.4500% | 3,102 |
| Noninterest expense to average assets | 2.8267% | 2,594 |
| Loan and lease loss provision to assets | 0.0482% | 3,216 |
| Net operating income to assets | 1.3810% | 1,495 |
| Return on assets (ROA) | 1.3828% | 1,480 |
| Pretax return on assets | 1.3828% | 2,198 |
| Return on Equity (ROE) | 17.0441% | 489 |
| Retained earnings to average equity (ytd only) | 8.3662% | 1,096 |
| Net charge-offs to loans | -0.1317% | 5,203 |
| Credit loss provision to net charge-offs | -61.1940% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4179% | 2,796 |
| Assets per employee ($millions) | 4.4367% | 3,261 |
| Cash dividends to net income (ytd only)* | 50.9145% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 694 |
| Loan loss allowance to noncurrent loans | 3,672.5490% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 3,158 |
| Noncurrent loans to loans | 0.0487% | 4,523 |
| Net loans and leases to total assets | 59.4014% | 3,828 |
| Net loans and leases to deposits | 65.9269% | 4,123 |
| Net loans and leases to core deposits | 68.3182% | 4,220 |
| Total domestic deposits to total assets | 90.1019% | 439 |
| Equity capital to assets | 8.3458% | 5,020 |
| Core capital (leverage) ratio | 9.2657% | 4,382 |
| Tier 1 risk-based capital ratio | 14.5603% | 3,036 |
| Total risk-based capital ratio | 15.8161% | 2,951 |
| Memoranda: | ||
| Average total assets | $170,018,600 | 3,168 |
| Average earning assets | $159,754,600 | 3,143 |
| Average equity | $13,793,600 | 3,779 |
| Average total loans | $101,758,200 | 3,264 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 2,668 |
| Cost of funding earning assets | 0.3581% | 4,132 |
| Net interest margin | 4.0288% | 1,859 |
| Noninterest income to average assets | 0.4797% | 2,984 |
| Noninterest expense to average assets | 2.8215% | 2,566 |
| Loan and lease loss provision to assets | 0.0410% | 3,183 |
| Net operating income to assets | 1.4013% | 1,489 |
| Return on assets (ROA) | 1.4037% | 1,473 |
| Pretax return on assets | 1.4037% | 2,212 |
| Return on Equity (ROE) | 17.4295% | 490 |
| Retained earnings to average equity (ytd only) | 9.2429% | 1,135 |
| Net charge-offs to loans | -0.1900% | 5,294 |
| Credit loss provision to net charge-offs | -36.1111% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1740% | 2,841 |
| Assets per employee ($millions) | 4.3961% | 3,279 |
| Cash dividends to net income (ytd only)* | 46.9696% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 754 |
| Loan loss allowance to noncurrent loans | 3,633.3333% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,273 |
| Noncurrent loans to loans | 0.0490% | 4,676 |
| Net loans and leases to total assets | 59.6488% | 3,883 |
| Net loans and leases to deposits | 65.5648% | 4,232 |
| Net loans and leases to core deposits | 68.0385% | 4,296 |
| Total domestic deposits to total assets | 90.9768% | 229 |
| Equity capital to assets | 7.9115% | 5,205 |
| Core capital (leverage) ratio | 9.1812% | 4,535 |
| Tier 1 risk-based capital ratio | 14.2997% | 3,211 |
| Total risk-based capital ratio | 15.5546% | 3,128 |
| Memoranda: | ||
| Average total assets | $169,265,000 | 3,203 |
| Average earning assets | $158,982,750 | 3,179 |
| Average equity | $13,631,750 | 3,827 |
| Average total loans | $101,033,500 | 3,310 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 2,765 |
| Cost of funding earning assets | 0.3339% | 4,174 |
| Net interest margin | 3.9640% | 1,984 |
| Noninterest income to average assets | 0.3797% | 3,624 |
| Noninterest expense to average assets | 2.8314% | 2,576 |
| Loan and lease loss provision to assets | 0.0380% | 3,150 |
| Net operating income to assets | 1.2294% | 2,065 |
| Return on assets (ROA) | 1.2294% | 2,062 |
| Pretax return on assets | 1.2294% | 2,824 |
| Return on Equity (ROE) | 15.1747% | 820 |
| Retained earnings to average equity (ytd only) | 7.8510% | 1,686 |
| Net charge-offs to loans | -0.2980% | 5,387 |
| Credit loss provision to net charge-offs | -21.4765% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0793% | 2,470 |
| Assets per employee ($millions) | 4.4004% | 3,279 |
| Cash dividends to net income (ytd only)* | 48.2625% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 783 |
| Loan loss allowance to noncurrent loans | 3,910.6383% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 2,585 |
| Noncurrent loans to loans | 0.0455% | 4,714 |
| Net loans and leases to total assets | 59.1646% | 3,889 |
| Net loans and leases to deposits | 64.8734% | 4,222 |
| Net loans and leases to core deposits | 67.3159% | 4,295 |
| Total domestic deposits to total assets | 91.2001% | 203 |
| Equity capital to assets | 7.7703% | 5,300 |
| Core capital (leverage) ratio | 9.0781% | 4,609 |
| Tier 1 risk-based capital ratio | 13.8763% | 3,420 |
| Total risk-based capital ratio | 15.1312% | 3,332 |
| Memoranda: | ||
| Average total assets | $168,537,670 | 3,231 |
| Average earning assets | $158,123,670 | 3,202 |
| Average equity | $13,654,330 | 3,849 |
| Average total loans | $100,005,000 | 3,339 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,763 |
| Cost of funding earning assets | 0.3044% | 4,321 |
| Net interest margin | 3.9315% | 1,923 |
| Noninterest income to average assets | 0.3904% | 3,537 |
| Noninterest expense to average assets | 2.8910% | 2,403 |
| Loan and lease loss provision to assets | 0.0575% | 2,621 |
| Net operating income to assets | 1.1234% | 2,319 |
| Return on assets (ROA) | 1.1234% | 2,335 |
| Pretax return on assets | 1.1234% | 3,078 |
| Return on Equity (ROE) | 13.5804% | 1,114 |
| Retained earnings to average equity (ytd only) | 6.0518% | 2,692 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0000% | 2,339 |
| Assets per employee ($millions) | 4.3256% | 3,440 |
| Cash dividends to net income (ytd only)* | 55.4371% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 907 |
| Loan loss allowance to noncurrent loans | 2,801.6667% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 2,626 |
| Noncurrent loans to loans | 0.0615% | 4,703 |
| Net loans and leases to total assets | 56.8516% | 4,041 |
| Net loans and leases to deposits | 62.3936% | 4,312 |
| Net loans and leases to core deposits | 64.8068% | 4,378 |
| Total domestic deposits to total assets | 91.1178% | 284 |
| Equity capital to assets | 7.8958% | 5,298 |
| Core capital (leverage) ratio | 9.1047% | 4,564 |
| Tier 1 risk-based capital ratio | 14.4935% | 3,123 |
| Total risk-based capital ratio | 15.7478% | 3,027 |
| Memoranda: | ||
| Average total assets | $166,998,500 | 3,279 |
| Average earning assets | $156,379,000 | 3,250 |
| Average equity | $13,814,000 | 3,854 |
| Average total loans | $98,320,500 | 3,394 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1415% | 2,911 |
| Cost of funding earning assets | 0.2215% | 4,779 |
| Net interest margin | 3.9200% | 2,030 |
| Noninterest income to average assets | 0.4108% | 3,561 |
| Noninterest expense to average assets | 2.9017% | 2,451 |
| Loan and lease loss provision to assets | 0.1848% | 1,152 |
| Net operating income to assets | 1.0095% | 2,200 |
| Return on assets (ROA) | 1.0317% | 2,152 |
| Pretax return on assets | 1.0317% | 3,454 |
| Return on Equity (ROE) | 12.0702% | 1,194 |
| Retained earnings to average equity (ytd only) | 5.4838% | 1,826 |
| Net charge-offs to loans | 0.3780% | 670 |
| Credit loss provision to net charge-offs | 81.0811% | 2,927 |
| Earnings coverage of net charge-offs (x) | 5.2405% | 3,359 |
| Efficiency ratio | 70.8421% | 2,425 |
| Assets per employee ($millions) | 4.1325% | 3,766 |
| Cash dividends to net income (ytd only)* | 54.5672% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 990 |
| Loan loss allowance to noncurrent loans | 2,209.3333% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 2,113 |
| Noncurrent loans to loans | 0.0757% | 4,661 |
| Net loans and leases to total assets | 58.9208% | 3,931 |
| Net loans and leases to deposits | 65.1596% | 4,247 |
| Net loans and leases to core deposits | 67.4263% | 4,332 |
| Total domestic deposits to total assets | 90.4253% | 418 |
| Equity capital to assets | 8.6558% | 4,985 |
| Core capital (leverage) ratio | 9.1070% | 4,514 |
| Tier 1 risk-based capital ratio | 14.2002% | 3,253 |
| Total risk-based capital ratio | 15.4538% | 3,148 |
| Memoranda: | ||
| Average total assets | $162,351,000 | 3,320 |
| Average earning assets | $152,626,800 | 3,289 |
| Average equity | $13,877,200 | 3,856 |
| Average total loans | $97,893,200 | 3,383 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 3,047 |
| Cost of funding earning assets | 0.2058% | 4,929 |
| Net interest margin | 3.8757% | 2,120 |
| Noninterest income to average assets | 0.4232% | 3,532 |
| Noninterest expense to average assets | 2.9427% | 2,273 |
| Loan and lease loss provision to assets | 0.1856% | 1,062 |
| Net operating income to assets | 0.9463% | 2,799 |
| Return on assets (ROA) | 0.9636% | 2,771 |
| Pretax return on assets | 0.9636% | 3,826 |
| Return on Equity (ROE) | 11.3097% | 1,565 |
| Retained earnings to average equity (ytd only) | 4.5607% | 3,178 |
| Net charge-offs to loans | 0.4057% | 520 |
| Credit loss provision to net charge-offs | 75.7576% | 2,636 |
| Earnings coverage of net charge-offs (x) | 4.6195% | 3,203 |
| Efficiency ratio | 72.2211% | 2,173 |
| Assets per employee ($millions) | 4.2575% | 3,551 |
| Cash dividends to net income (ytd only)* | 59.6748% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 1,140 |
| Loan loss allowance to noncurrent loans | 237.2493% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 2,252 |
| Noncurrent loans to loans | 0.6951% | 2,623 |
| Net loans and leases to total assets | 59.4834% | 3,923 |
| Net loans and leases to deposits | 66.3251% | 4,226 |
| Net loans and leases to core deposits | 68.4273% | 4,340 |
| Total domestic deposits to total assets | 89.6846% | 582 |
| Equity capital to assets | 8.6399% | 5,198 |
| Core capital (leverage) ratio | 8.8754% | 4,898 |
| Tier 1 risk-based capital ratio | 13.7624% | 3,544 |
| Total risk-based capital ratio | 15.0160% | 3,477 |
| Memoranda: | ||
| Average total assets | $161,613,750 | 3,357 |
| Average earning assets | $152,260,000 | 3,323 |
| Average equity | $13,769,500 | 3,915 |
| Average total loans | $97,603,250 | 3,419 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 3,051 |
| Cost of funding earning assets | 0.1912% | 5,057 |
| Net interest margin | 3.8473% | 2,106 |
| Noninterest income to average assets | 0.4359% | 3,449 |
| Noninterest expense to average assets | 2.9237% | 2,349 |
| Loan and lease loss provision to assets | 0.1873% | 1,006 |
| Net operating income to assets | 0.9429% | 2,703 |
| Return on assets (ROA) | 0.9692% | 2,621 |
| Pretax return on assets | 0.9692% | 3,691 |
| Return on Equity (ROE) | 11.4308% | 1,486 |
| Retained earnings to average equity (ytd only) | 4.2571% | 3,178 |
| Net charge-offs to loans | 0.4614% | 432 |
| Credit loss provision to net charge-offs | 67.2646% | 2,406 |
| Earnings coverage of net charge-offs (x) | 4.0583% | 2,981 |
| Efficiency ratio | 72.1195% | 2,313 |
| Assets per employee ($millions) | 4.4172% | 3,241 |
| Cash dividends to net income (ytd only)* | 62.7577% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 1,073 |
| Loan loss allowance to noncurrent loans | 214.9351% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 2,244 |
| Noncurrent loans to loans | 0.7880% | 2,435 |
| Net loans and leases to total assets | 57.2253% | 4,103 |
| Net loans and leases to deposits | 63.1908% | 4,416 |
| Net loans and leases to core deposits | 65.5080% | 4,506 |
| Total domestic deposits to total assets | 90.5597% | 336 |
| Equity capital to assets | 8.4454% | 5,337 |
| Core capital (leverage) ratio | 9.0698% | 4,644 |
| Tier 1 risk-based capital ratio | 13.9941% | 3,429 |
| Total risk-based capital ratio | 15.2483% | 3,343 |
| Memoranda: | ||
| Average total assets | $160,137,330 | 3,395 |
| Average earning assets | $150,600,000 | 3,360 |
| Average equity | $13,577,330 | 3,952 |
| Average total loans | $96,663,000 | 3,442 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 2,595 |
| Cost of funding earning assets | 0.1827% | 5,131 |
| Net interest margin | 3.9324% | 1,665 |
| Noninterest income to average assets | 0.4326% | 3,427 |
| Noninterest expense to average assets | 2.9946% | 2,176 |
| Loan and lease loss provision to assets | 0.1920% | 870 |
| Net operating income to assets | 0.9368% | 2,574 |
| Return on assets (ROA) | 0.9368% | 2,632 |
| Pretax return on assets | 0.9368% | 3,638 |
| Return on Equity (ROE) | 11.0258% | 1,557 |
| Retained earnings to average equity (ytd only) | 2.6811% | 4,068 |
| Net charge-offs to loans | 0.6199% | 285 |
| Credit loss provision to net charge-offs | 50.3356% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2.9597% | 2,529 |
| Efficiency ratio | 72.6257% | 2,467 |
| Assets per employee ($millions) | 4.1247% | 3,798 |
| Cash dividends to net income (ytd only)* | 75.6831% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 1,072 |
| Loan loss allowance to noncurrent loans | 82.6174% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.7322% | 851 |
| Noncurrent loans to loans | 2.1079% | 829 |
| Net loans and leases to total assets | 59.5387% | 3,833 |
| Net loans and leases to deposits | 65.7885% | 4,191 |
| Net loans and leases to core deposits | 68.3781% | 4,269 |
| Total domestic deposits to total assets | 90.5002% | 476 |
| Equity capital to assets | 8.5300% | 5,219 |
| Core capital (leverage) ratio | 9.1546% | 4,540 |
| Tier 1 risk-based capital ratio | 14.1724% | 3,376 |
| Total risk-based capital ratio | 15.4268% | 3,292 |
| Memoranda: | ||
| Average total assets | $156,279,000 | 3,471 |
| Average earning assets | $146,678,500 | 3,441 |
| Average equity | $13,278,000 | 4,020 |
| Average total loans | $96,139,500 | 3,479 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 2,486 |
| Cost of funding earning assets | 0.1942% | 5,073 |
| Net interest margin | 4.0065% | 1,617 |
| Noninterest income to average assets | 0.3748% | 4,064 |
| Noninterest expense to average assets | 3.0681% | 2,123 |
| Loan and lease loss provision to assets | 0.0386% | 3,602 |
| Net operating income to assets | 1.0216% | 2,254 |
| Return on assets (ROA) | 1.0647% | 2,170 |
| Pretax return on assets | 1.0647% | 3,242 |
| Return on Equity (ROE) | 11.6928% | 1,341 |
| Retained earnings to average equity (ytd only) | 4.5966% | 2,639 |
| Net charge-offs to loans | -0.0214% | 5,149 |
| Credit loss provision to net charge-offs | -300.0000% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3186% | 2,251 |
| Assets per employee ($millions) | 3.8955% | 4,147 |
| Cash dividends to net income (ytd only)* | 60.6884% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 986 |
| Loan loss allowance to noncurrent loans | 174.8988% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 1,717 |
| Noncurrent loans to loans | 1.0154% | 2,060 |
| Net loans and leases to total assets | 61.3382% | 3,678 |
| Net loans and leases to deposits | 67.6501% | 4,110 |
| Net loans and leases to core deposits | 70.1542% | 4,233 |
| Total domestic deposits to total assets | 90.6699% | 395 |
| Equity capital to assets | 8.4624% | 5,301 |
| Core capital (leverage) ratio | 9.0676% | 4,661 |
| Tier 1 risk-based capital ratio | 13.6622% | 3,667 |
| Total risk-based capital ratio | 14.9171% | 3,572 |
| Memoranda: | ||
| Average total assets | $155,534,400 | 3,443 |
| Average earning assets | $145,711,600 | 3,425 |
| Average equity | $14,162,600 | 3,926 |
| Average total loans | $93,440,200 | 3,512 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 2,548 |
| Cost of funding earning assets | 0.1969% | 5,102 |
| Net interest margin | 3.9929% | 1,680 |
| Noninterest income to average assets | 0.3936% | 3,967 |
| Noninterest expense to average assets | 3.0532% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0806% | 2,080 |
| Return on assets (ROA) | 1.1055% | 2,081 |
| Pretax return on assets | 1.1055% | 3,214 |
| Return on Equity (ROE) | 11.9293% | 1,349 |
| Retained earnings to average equity (ytd only) | 4.9420% | 2,867 |
| Net charge-offs to loans | -0.0274% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8589% | 2,310 |
| Assets per employee ($millions) | 3.9908% | 3,986 |
| Cash dividends to net income (ytd only)* | 58.5726% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 1,070 |
| Loan loss allowance to noncurrent loans | 142.1142% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 1,666 |
| Noncurrent loans to loans | 1.2441% | 1,800 |
| Net loans and leases to total assets | 58.0209% | 4,092 |
| Net loans and leases to deposits | 64.7335% | 4,430 |
| Net loans and leases to core deposits | 67.3487% | 4,523 |
| Total domestic deposits to total assets | 89.6305% | 612 |
| Equity capital to assets | 9.3778% | 4,780 |
| Core capital (leverage) ratio | 8.9595% | 4,869 |
| Tier 1 risk-based capital ratio | 13.7516% | 3,702 |
| Total risk-based capital ratio | 15.0057% | 3,622 |
| Memoranda: | ||
| Average total assets | $155,463,500 | 3,459 |
| Average earning assets | $145,622,000 | 3,442 |
| Average equity | $14,406,750 | 3,924 |
| Average total loans | $92,474,250 | 3,539 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 2,439 |
| Cost of funding earning assets | 0.2013% | 5,123 |
| Net interest margin | 4.0195% | 1,585 |
| Noninterest income to average assets | 0.3920% | 3,931 |
| Noninterest expense to average assets | 3.0881% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0631% | 2,108 |
| Return on assets (ROA) | 1.0878% | 2,128 |
| Pretax return on assets | 1.0878% | 3,250 |
| Return on Equity (ROE) | 11.7870% | 1,390 |
| Retained earnings to average equity (ytd only) | 4.7542% | 2,894 |
| Net charge-offs to loans | -0.0392% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3902% | 2,306 |
| Assets per employee ($millions) | 4.1334% | 3,683 |
| Cash dividends to net income (ytd only)* | 59.6659% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 998 |
| Loan loss allowance to noncurrent loans | 141.5463% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1879% | 1,751 |
| Noncurrent loans to loans | 1.3025% | 1,737 |
| Net loans and leases to total assets | 55.0210% | 4,411 |
| Net loans and leases to deposits | 61.1519% | 4,721 |
| Net loans and leases to core deposits | 63.5846% | 4,773 |
| Total domestic deposits to total assets | 89.9742% | 499 |
| Equity capital to assets | 9.1245% | 5,139 |
| Core capital (leverage) ratio | 8.9756% | 4,859 |
| Tier 1 risk-based capital ratio | 13.9862% | 3,612 |
| Total risk-based capital ratio | 15.2416% | 3,527 |
| Memoranda: | ||
| Average total assets | $154,074,000 | 3,497 |
| Average earning assets | $144,096,670 | 3,480 |
| Average equity | $14,219,000 | 3,970 |
| Average total loans | $91,870,000 | 3,570 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 2,164 |
| Cost of funding earning assets | 0.2047% | 5,156 |
| Net interest margin | 4.0855% | 1,383 |
| Noninterest income to average assets | 0.4013% | 3,819 |
| Noninterest expense to average assets | 3.1599% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0604% | 2,049 |
| Return on assets (ROA) | 1.0790% | 2,093 |
| Pretax return on assets | 1.0790% | 3,175 |
| Return on Equity (ROE) | 11.6216% | 1,418 |
| Retained earnings to average equity (ytd only) | 4.4654% | 3,255 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8741% | 2,343 |
| Assets per employee ($millions) | 3.8917% | 4,132 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 1,195 |
| Loan loss allowance to noncurrent loans | 1,396.6102% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 3,371 |
| Noncurrent loans to loans | 0.1273% | 4,963 |
| Net loans and leases to total assets | 59.9913% | 3,773 |
| Net loans and leases to deposits | 66.8853% | 4,167 |
| Net loans and leases to core deposits | 69.7233% | 4,260 |
| Total domestic deposits to total assets | 89.6928% | 740 |
| Equity capital to assets | 9.4171% | 4,753 |
| Core capital (leverage) ratio | 9.0800% | 4,757 |
| Tier 1 risk-based capital ratio | 13.4473% | 4,011 |
| Total risk-based capital ratio | 14.7014% | 3,931 |
| Memoranda: | ||
| Average total assets | $150,509,000 | 3,576 |
| Average earning assets | $140,692,000 | 3,549 |
| Average equity | $13,974,000 | 4,005 |
| Average total loans | $92,624,000 | 3,560 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 2,527 |
| Cost of funding earning assets | 0.2125% | 5,170 |
| Net interest margin | 3.9961% | 1,731 |
| Noninterest income to average assets | 0.4157% | 3,917 |
| Noninterest expense to average assets | 3.0488% | 2,385 |
| Loan and lease loss provision to assets | 0.0333% | 3,693 |
| Net operating income to assets | 1.0791% | 2,007 |
| Return on assets (ROA) | 1.1118% | 1,933 |
| Pretax return on assets | 1.1118% | 2,990 |
| Return on Equity (ROE) | 12.3604% | 1,220 |
| Retained earnings to average equity (ytd only) | 4.8064% | 2,562 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2672% | 2,698 |
| Assets per employee ($millions) | 3.8267% | 4,245 |
| Cash dividends to net income (ytd only)* | 61.1144% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 1,169 |
| Loan loss allowance to noncurrent loans | 564.3836% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 2,975 |
| Noncurrent loans to loans | 0.3155% | 4,332 |
| Net loans and leases to total assets | 60.9075% | 3,709 |
| Net loans and leases to deposits | 67.6443% | 4,158 |
| Net loans and leases to core deposits | 70.8372% | 4,230 |
| Total domestic deposits to total assets | 90.0409% | 614 |
| Equity capital to assets | 9.1496% | 4,972 |
| Core capital (leverage) ratio | 9.0437% | 4,827 |
| Tier 1 risk-based capital ratio | 13.3726% | 4,068 |
| Total risk-based capital ratio | 14.6271% | 4,010 |
| Memoranda: | ||
| Average total assets | $150,123,200 | 3,570 |
| Average earning assets | $140,712,000 | 3,529 |
| Average equity | $13,502,800 | 4,047 |
| Average total loans | $86,714,400 | 3,658 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 2,764 |
| Cost of funding earning assets | 0.2110% | 5,281 |
| Net interest margin | 3.9359% | 1,916 |
| Noninterest income to average assets | 0.4212% | 3,930 |
| Noninterest expense to average assets | 3.0374% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0722% | 2,125 |
| Return on assets (ROA) | 1.1050% | 2,062 |
| Pretax return on assets | 1.1050% | 3,205 |
| Return on Equity (ROE) | 12.3381% | 1,289 |
| Retained earnings to average equity (ytd only) | 4.7134% | 3,115 |
| Net charge-offs to loans | -0.0485% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9102% | 2,572 |
| Assets per employee ($millions) | 4.1733% | 3,577 |
| Cash dividends to net income (ytd only)* | 61.7978% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 1,283 |
| Loan loss allowance to noncurrent loans | 325.1497% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 2,880 |
| Noncurrent loans to loans | 0.5511% | 3,686 |
| Net loans and leases to total assets | 57.8171% | 4,167 |
| Net loans and leases to deposits | 65.4919% | 4,430 |
| Net loans and leases to core deposits | 68.6839% | 4,483 |
| Total domestic deposits to total assets | 88.2813% | 1,409 |
| Equity capital to assets | 8.8375% | 5,452 |
| Core capital (leverage) ratio | 8.8342% | 5,197 |
| Tier 1 risk-based capital ratio | 13.3108% | 4,243 |
| Total risk-based capital ratio | 14.5657% | 4,171 |
| Memoranda: | ||
| Average total assets | $150,343,750 | 3,595 |
| Average earning assets | $140,886,000 | 3,561 |
| Average equity | $13,464,750 | 4,096 |
| Average total loans | $85,256,250 | 3,724 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,817 |
| Cost of funding earning assets | 0.2107% | 5,347 |
| Net interest margin | 3.9121% | 1,932 |
| Noninterest income to average assets | 0.6618% | 2,405 |
| Noninterest expense to average assets | 3.0338% | 2,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2927% | 1,345 |
| Return on assets (ROA) | 1.3196% | 1,312 |
| Pretax return on assets | 1.3196% | 2,290 |
| Return on Equity (ROE) | 14.6669% | 791 |
| Retained earnings to average equity (ytd only) | 7.6542% | 1,403 |
| Net charge-offs to loans | -0.0504% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1210% | 3,304 |
| Assets per employee ($millions) | 4.1070% | 3,669 |
| Cash dividends to net income (ytd only)* | 47.8128% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 1,180 |
| Loan loss allowance to noncurrent loans | 299.2606% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 4,140 |
| Noncurrent loans to loans | 0.6326% | 3,578 |
| Net loans and leases to total assets | 55.2107% | 4,422 |
| Net loans and leases to deposits | 61.1543% | 4,760 |
| Net loans and leases to core deposits | 64.1120% | 4,804 |
| Total domestic deposits to total assets | 90.2809% | 546 |
| Equity capital to assets | 8.8544% | 5,387 |
| Core capital (leverage) ratio | 9.1078% | 4,811 |
| Tier 1 risk-based capital ratio | 13.8992% | 3,982 |
| Total risk-based capital ratio | 15.1536% | 3,915 |
| Memoranda: | ||
| Average total assets | $148,988,000 | 3,643 |
| Average earning assets | $139,567,670 | 3,610 |
| Average equity | $13,404,330 | 4,137 |
| Average total loans | $83,373,330 | 3,793 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 2,913 |
| Cost of funding earning assets | 0.2116% | 5,402 |
| Net interest margin | 3.8692% | 2,001 |
| Noninterest income to average assets | 0.4474% | 3,648 |
| Noninterest expense to average assets | 3.0860% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9817% | 2,338 |
| Return on assets (ROA) | 1.0088% | 2,362 |
| Pretax return on assets | 1.0088% | 3,461 |
| Return on Equity (ROE) | 11.1219% | 1,602 |
| Retained earnings to average equity (ytd only) | 4.5444% | 3,301 |
| Net charge-offs to loans | -0.0923% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8667% | 2,539 |
| Assets per employee ($millions) | 4.0248% | 3,908 |
| Cash dividends to net income (ytd only)* | 59.1398% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0032% | 1,071 |
| Loan loss allowance to noncurrent loans | 234.6880% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 3,814 |
| Noncurrent loans to loans | 0.8536% | 3,112 |
| Net loans and leases to total assets | 53.1182% | 4,544 |
| Net loans and leases to deposits | 58.9645% | 4,831 |
| Net loans and leases to core deposits | 61.8864% | 4,843 |
| Total domestic deposits to total assets | 90.0851% | 704 |
| Equity capital to assets | 9.0997% | 5,194 |
| Core capital (leverage) ratio | 9.0290% | 4,918 |
| Tier 1 risk-based capital ratio | 14.0651% | 3,965 |
| Total risk-based capital ratio | 15.3202% | 3,889 |
| Memoranda: | ||
| Average total assets | $147,503,000 | 3,688 |
| Average earning assets | $138,014,000 | 3,655 |
| Average equity | $13,379,000 | 4,173 |
| Average total loans | $82,302,000 | 3,828 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 3,442 |
| Cost of funding earning assets | 0.2434% | 5,393 |
| Net interest margin | 3.8251% | 2,529 |
| Noninterest income to average assets | 0.5111% | 3,420 |
| Noninterest expense to average assets | 3.0212% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0348% | 2,239 |
| Return on assets (ROA) | 1.0510% | 2,227 |
| Pretax return on assets | 1.0510% | 3,298 |
| Return on Equity (ROE) | 12.0285% | 1,398 |
| Retained earnings to average equity (ytd only) | 5.0260% | 2,584 |
| Net charge-offs to loans | -0.0471% | 5,916 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4873% | 2,753 |
| Assets per employee ($millions) | 3.9484% | 4,065 |
| Cash dividends to net income (ytd only)* | 58.2160% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 1,305 |
| Loan loss allowance to noncurrent loans | 110.9722% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 2,674 |
| Noncurrent loans to loans | 1.7166% | 1,693 |
| Net loans and leases to total assets | 56.3266% | 4,292 |
| Net loans and leases to deposits | 62.4294% | 4,689 |
| Net loans and leases to core deposits | 65.5752% | 4,699 |
| Total domestic deposits to total assets | 90.2245% | 641 |
| Equity capital to assets | 9.0404% | 5,242 |
| Core capital (leverage) ratio | 9.0701% | 4,870 |
| Tier 1 risk-based capital ratio | 13.5771% | 4,362 |
| Total risk-based capital ratio | 14.8318% | 4,296 |
| Memoranda: | ||
| Average total assets | $141,862,000 | 3,762 |
| Average earning assets | $131,474,600 | 3,732 |
| Average equity | $12,395,600 | 4,286 |
| Average total loans | $76,365,600 | 3,986 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 3,593 |
| Cost of funding earning assets | 0.2468% | 5,440 |
| Net interest margin | 3.7943% | 2,642 |
| Noninterest income to average assets | 0.5454% | 3,229 |
| Noninterest expense to average assets | 2.9903% | 2,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0634% | 2,182 |
| Return on assets (ROA) | 1.0672% | 2,234 |
| Pretax return on assets | 1.0672% | 3,310 |
| Return on Equity (ROE) | 12.3240% | 1,390 |
| Retained earnings to average equity (ytd only) | 5.5769% | 2,684 |
| Net charge-offs to loans | -0.0609% | 5,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7678% | 2,857 |
| Assets per employee ($millions) | 3.9870% | 3,924 |
| Cash dividends to net income (ytd only)* | 54.7473% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0881% | 1,105 |
| Loan loss allowance to noncurrent loans | 122.8637% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 3,059 |
| Noncurrent loans to loans | 1.6995% | 1,917 |
| Net loans and leases to total assets | 52.1396% | 4,792 |
| Net loans and leases to deposits | 58.3934% | 5,073 |
| Net loans and leases to core deposits | 61.5856% | 5,071 |
| Total domestic deposits to total assets | 89.2902% | 1,078 |
| Equity capital to assets | 8.7723% | 5,572 |
| Core capital (leverage) ratio | 9.0603% | 4,984 |
| Tier 1 risk-based capital ratio | 14.4416% | 3,919 |
| Total risk-based capital ratio | 15.6986% | 3,860 |
| Memoranda: | ||
| Average total assets | $140,805,250 | 3,812 |
| Average earning assets | $130,193,000 | 3,787 |
| Average equity | $12,192,750 | 4,347 |
| Average total loans | $74,485,750 | 4,065 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,714 |
| Cost of funding earning assets | 0.2481% | 5,506 |
| Net interest margin | 3.7562% | 2,733 |
| Noninterest income to average assets | 0.4289% | 4,033 |
| Noninterest expense to average assets | 2.9865% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9050% | 2,777 |
| Return on assets (ROA) | 0.9107% | 2,853 |
| Pretax return on assets | 0.9107% | 3,842 |
| Return on Equity (ROE) | 10.5638% | 1,912 |
| Retained earnings to average equity (ytd only) | 3.6484% | 3,868 |
| Net charge-offs to loans | -0.1002% | 6,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7450% | 2,497 |
| Assets per employee ($millions) | 4.1097% | 3,624 |
| Cash dividends to net income (ytd only)* | 65.4631% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,082 |
| Loan loss allowance to noncurrent loans | 75.7820% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.9459% | 1,656 |
| Noncurrent loans to loans | 2.8433% | 1,052 |
| Net loans and leases to total assets | 50.4793% | 4,909 |
| Net loans and leases to deposits | 55.7839% | 5,206 |
| Net loans and leases to core deposits | 58.7816% | 5,217 |
| Total domestic deposits to total assets | 90.4909% | 593 |
| Equity capital to assets | 8.7013% | 5,611 |
| Core capital (leverage) ratio | 9.0510% | 4,942 |
| Tier 1 risk-based capital ratio | 14.4386% | 3,965 |
| Total risk-based capital ratio | 15.6956% | 3,904 |
| Memoranda: | ||
| Average total assets | $139,896,330 | 3,852 |
| Average earning assets | $128,958,670 | 3,834 |
| Average equity | $12,060,000 | 4,383 |
| Average total loans | $73,836,670 | 4,109 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 3,576 |
| Cost of funding earning assets | 0.2527% | 5,553 |
| Net interest margin | 3.7754% | 2,570 |
| Noninterest income to average assets | 0.4553% | 3,744 |
| Noninterest expense to average assets | 3.0191% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9019% | 2,639 |
| Return on assets (ROA) | 0.9077% | 2,685 |
| Pretax return on assets | 0.9077% | 3,668 |
| Return on Equity (ROE) | 10.5815% | 1,834 |
| Retained earnings to average equity (ytd only) | 3.2454% | 4,171 |
| Net charge-offs to loans | 0.0054% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 155 |
| Efficiency ratio | 76.9970% | 2,650 |
| Assets per employee ($millions) | 3.9561% | 4,033 |
| Cash dividends to net income (ytd only)* | 69.3291% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 1,259 |
| Loan loss allowance to noncurrent loans | 68.4049% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 2.0272% | 1,678 |
| Noncurrent loans to loans | 3.1218% | 1,003 |
| Net loans and leases to total assets | 51.6661% | 4,711 |
| Net loans and leases to deposits | 57.0345% | 5,030 |
| Net loans and leases to core deposits | 59.8392% | 5,056 |
| Total domestic deposits to total assets | 90.5874% | 750 |
| Equity capital to assets | 8.6326% | 5,515 |
| Core capital (leverage) ratio | 9.1916% | 4,728 |
| Tier 1 risk-based capital ratio | 14.3599% | 4,091 |
| Total risk-based capital ratio | 15.6167% | 4,044 |
| Memoranda: | ||
| Average total assets | $137,924,000 | 3,919 |
| Average earning assets | $126,609,500 | 3,912 |
| Average equity | $11,832,000 | 4,439 |
| Average total loans | $73,650,500 | 4,143 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 2,963 |
| Cost of funding earning assets | 0.3094% | 5,524 |
| Net interest margin | 3.9898% | 1,975 |
| Noninterest income to average assets | 0.3869% | 4,539 |
| Noninterest expense to average assets | 3.1187% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9083% | 2,733 |
| Return on assets (ROA) | 0.9406% | 2,681 |
| Pretax return on assets | 0.9406% | 3,591 |
| Return on Equity (ROE) | 10.0044% | 2,114 |
| Retained earnings to average equity (ytd only) | 4.0492% | 3,310 |
| Net charge-offs to loans | 0.0798% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 21.0893% | 1,510 |
| Efficiency ratio | 77.4446% | 2,551 |
| Assets per employee ($millions) | 3.8162% | 4,229 |
| Cash dividends to net income (ytd only)* | 59.5258% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1051% | 1,323 |
| Loan loss allowance to noncurrent loans | 101.9582% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.4973% | 2,474 |
| Noncurrent loans to loans | 2.0647% | 1,919 |
| Net loans and leases to total assets | 52.8730% | 4,740 |
| Net loans and leases to deposits | 58.2356% | 5,104 |
| Net loans and leases to core deposits | 60.9828% | 5,146 |
| Total domestic deposits to total assets | 90.7915% | 662 |
| Equity capital to assets | 8.5243% | 5,556 |
| Core capital (leverage) ratio | 9.1991% | 4,725 |
| Tier 1 risk-based capital ratio | 14.2521% | 4,116 |
| Total risk-based capital ratio | 15.5091% | 4,054 |
| Memoranda: | ||
| Average total assets | $130,021,800 | 4,072 |
| Average earning assets | $118,628,800 | 4,073 |
| Average equity | $12,224,600 | 4,405 |
| Average total loans | $70,205,800 | 4,263 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 2,923 |
| Cost of funding earning assets | 0.3173% | 5,576 |
| Net interest margin | 3.9983% | 1,949 |
| Noninterest income to average assets | 0.3828% | 4,654 |
| Noninterest expense to average assets | 3.1611% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8654% | 3,015 |
| Return on assets (ROA) | 0.9081% | 2,900 |
| Pretax return on assets | 0.9081% | 3,844 |
| Return on Equity (ROE) | 9.4226% | 2,434 |
| Retained earnings to average equity (ytd only) | 3.4107% | 4,257 |
| Net charge-offs to loans | 0.2081% | 2,580 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.7035% | 2,751 |
| Efficiency ratio | 78.5068% | 2,338 |
| Assets per employee ($millions) | 3.5562% | 4,741 |
| Cash dividends to net income (ytd only)* | 63.8032% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 1,561 |
| Loan loss allowance to noncurrent loans | 167.7778% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.0868% | 3,481 |
| Noncurrent loans to loans | 1.2365% | 3,339 |
| Net loans and leases to total assets | 54.1713% | 4,586 |
| Net loans and leases to deposits | 59.8598% | 4,990 |
| Net loans and leases to core deposits | 63.3183% | 4,975 |
| Total domestic deposits to total assets | 90.4970% | 744 |
| Equity capital to assets | 8.6268% | 5,597 |
| Core capital (leverage) ratio | 9.3795% | 4,562 |
| Tier 1 risk-based capital ratio | 14.4057% | 4,144 |
| Total risk-based capital ratio | 15.6619% | 4,097 |
| Memoranda: | ||
| Average total assets | $128,181,250 | 4,155 |
| Average earning assets | $116,813,750 | 4,152 |
| Average equity | $12,353,000 | 4,425 |
| Average total loans | $69,207,000 | 4,328 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,966 |
| Cost of funding earning assets | 0.3200% | 5,662 |
| Net interest margin | 3.9765% | 1,940 |
| Noninterest income to average assets | 0.3983% | 4,542 |
| Noninterest expense to average assets | 3.1689% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8485% | 3,051 |
| Return on assets (ROA) | 0.8926% | 2,985 |
| Pretax return on assets | 0.8926% | 3,935 |
| Return on Equity (ROE) | 8.9383% | 2,639 |
| Retained earnings to average equity (ytd only) | 3.1055% | 4,342 |
| Net charge-offs to loans | 0.3264% | 1,883 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.8559% | 3,018 |
| Efficiency ratio | 78.8793% | 2,326 |
| Assets per employee ($millions) | 3.6167% | 4,584 |
| Cash dividends to net income (ytd only)* | 65.2557% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,582 |
| Loan loss allowance to noncurrent loans | 172.8211% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 3,092 |
| Noncurrent loans to loans | 1.2276% | 3,502 |
| Net loans and leases to total assets | 53.3993% | 4,674 |
| Net loans and leases to deposits | 59.5495% | 5,019 |
| Net loans and leases to core deposits | 63.0539% | 4,994 |
| Total domestic deposits to total assets | 89.6722% | 1,219 |
| Equity capital to assets | 9.5306% | 4,546 |
| Core capital (leverage) ratio | 9.4481% | 4,323 |
| Tier 1 risk-based capital ratio | 14.5402% | 4,077 |
| Total risk-based capital ratio | 15.7977% | 4,046 |
| Memoranda: | ||
| Average total assets | $127,048,670 | 4,204 |
| Average earning assets | $115,628,000 | 4,215 |
| Average equity | $12,687,000 | 4,399 |
| Average total loans | $68,013,330 | 4,380 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 2,985 |
| Cost of funding earning assets | 0.3278% | 5,737 |
| Net interest margin | 3.9511% | 1,943 |
| Noninterest income to average assets | 0.3889% | 4,546 |
| Noninterest expense to average assets | 3.2135% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7492% | 3,438 |
| Return on assets (ROA) | 0.7715% | 3,459 |
| Pretax return on assets | 0.7715% | 4,289 |
| Return on Equity (ROE) | 7.5472% | 3,195 |
| Retained earnings to average equity (ytd only) | 1.3098% | 5,325 |
| Net charge-offs to loans | 0.2225% | 2,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.3514% | 2,234 |
| Efficiency ratio | 81.0941% | 2,175 |
| Assets per employee ($millions) | 3.5040% | 4,972 |
| Cash dividends to net income (ytd only)* | 82.6446% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4101% | 1,238 |
| Loan loss allowance to noncurrent loans | 154.2439% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 2,995 |
| Noncurrent loans to loans | 1.5625% | 3,197 |
| Net loans and leases to total assets | 50.7503% | 4,887 |
| Net loans and leases to deposits | 56.8805% | 5,150 |
| Net loans and leases to core deposits | 60.3674% | 5,104 |
| Total domestic deposits to total assets | 89.2227% | 1,540 |
| Equity capital to assets | 10.0266% | 4,119 |
| Core capital (leverage) ratio | 9.5714% | 3,971 |
| Tier 1 risk-based capital ratio | 15.1582% | 3,733 |
| Total risk-based capital ratio | 16.4176% | 3,679 |
| Memoranda: | ||
| Average total assets | $125,472,000 | 4,274 |
| Average earning assets | $113,487,500 | 4,300 |
| Average equity | $12,826,000 | 4,412 |
| Average total loans | $66,503,000 | 4,475 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 2,714 |
| Cost of funding earning assets | 0.3985% | 5,930 |
| Net interest margin | 4.2701% | 1,473 |
| Noninterest income to average assets | 0.3038% | 5,273 |
| Noninterest expense to average assets | 3.1542% | 2,755 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0427% | 2,159 |
| Return on assets (ROA) | 1.0663% | 2,250 |
| Pretax return on assets | 1.0663% | 3,283 |
| Return on Equity (ROE) | 10.4294% | 1,992 |
| Retained earnings to average equity (ytd only) | 4.8044% | 2,846 |
| Net charge-offs to loans | 0.4440% | 2,453 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 4.3836% | 3,385 |
| Efficiency ratio | 75.1553% | 2,886 |
| Assets per employee ($millions) | 3.3729% | 5,276 |
| Cash dividends to net income (ytd only)* | 53.9343% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4004% | 1,230 |
| Loan loss allowance to noncurrent loans | 116.8231% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.8742% | 2,607 |
| Noncurrent loans to loans | 2.0547% | 2,634 |
| Net loans and leases to total assets | 52.7152% | 4,803 |
| Net loans and leases to deposits | 59.2733% | 5,099 |
| Net loans and leases to core deposits | 62.9460% | 5,070 |
| Total domestic deposits to total assets | 88.9358% | 1,607 |
| Equity capital to assets | 10.4200% | 3,627 |
| Core capital (leverage) ratio | 9.7466% | 3,735 |
| Tier 1 risk-based capital ratio | 15.2058% | 3,608 |
| Total risk-based capital ratio | 16.4660% | 3,546 |
| Memoranda: | ||
| Average total assets | $122,758,600 | 4,293 |
| Average earning assets | $111,917,800 | 4,294 |
| Average equity | $12,551,000 | 4,453 |
| Average total loans | $65,765,800 | 4,515 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 2,976 |
| Cost of funding earning assets | 0.4134% | 6,041 |
| Net interest margin | 4.2445% | 1,611 |
| Noninterest income to average assets | 0.4428% | 4,344 |
| Noninterest expense to average assets | 3.1520% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1768% | 1,812 |
| Return on assets (ROA) | 1.2073% | 1,889 |
| Pretax return on assets | 1.2073% | 2,969 |
| Return on Equity (ROE) | 11.8668% | 1,677 |
| Retained earnings to average equity (ytd only) | 6.2282% | 2,542 |
| Net charge-offs to loans | 0.5386% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.0871% | 3,407 |
| Efficiency ratio | 72.8143% | 3,184 |
| Assets per employee ($millions) | 3.4456% | 5,100 |
| Cash dividends to net income (ytd only)* | 47.5162% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4968% | 1,213 |
| Loan loss allowance to noncurrent loans | 118.3321% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 2.1584% | 2,481 |
| Noncurrent loans to loans | 2.1100% | 2,715 |
| Net loans and leases to total assets | 53.3011% | 4,857 |
| Net loans and leases to deposits | 60.2778% | 5,172 |
| Net loans and leases to core deposits | 63.7379% | 5,182 |
| Total domestic deposits to total assets | 88.4258% | 1,773 |
| Equity capital to assets | 10.7657% | 3,536 |
| Core capital (leverage) ratio | 9.7691% | 3,844 |
| Tier 1 risk-based capital ratio | 15.5144% | 3,526 |
| Total risk-based capital ratio | 16.7752% | 3,481 |
| Memoranda: | ||
| Average total assets | $122,248,500 | 4,344 |
| Average earning assets | $111,923,250 | 4,343 |
| Average equity | $12,437,750 | 4,519 |
| Average total loans | $65,355,750 | 4,583 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 3,000 |
| Cost of funding earning assets | 0.4274% | 6,116 |
| Net interest margin | 4.2545% | 1,588 |
| Noninterest income to average assets | 0.4251% | 4,467 |
| Noninterest expense to average assets | 3.0961% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2199% | 1,648 |
| Return on assets (ROA) | 1.2459% | 1,749 |
| Pretax return on assets | 1.2459% | 2,741 |
| Return on Equity (ROE) | 12.4837% | 1,509 |
| Retained earnings to average equity (ytd only) | 6.5927% | 2,335 |
| Net charge-offs to loans | 0.4512% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.0952% | 2,906 |
| Efficiency ratio | 71.7358% | 3,480 |
| Assets per employee ($millions) | 3.4414% | 5,107 |
| Cash dividends to net income (ytd only)* | 47.1895% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6870% | 1,050 |
| Loan loss allowance to noncurrent loans | 90.4566% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 2.1519% | 2,608 |
| Noncurrent loans to loans | 2.9705% | 2,006 |
| Net loans and leases to total assets | 51.5352% | 5,150 |
| Net loans and leases to deposits | 57.7773% | 5,475 |
| Net loans and leases to core deposits | 60.9597% | 5,494 |
| Total domestic deposits to total assets | 89.1962% | 1,390 |
| Equity capital to assets | 10.1145% | 4,171 |
| Core capital (leverage) ratio | 9.6834% | 3,857 |
| Tier 1 risk-based capital ratio | 15.4228% | 3,497 |
| Total risk-based capital ratio | 16.6860% | 3,447 |
| Memoranda: | ||
| Average total assets | $122,799,330 | 4,356 |
| Average earning assets | $112,303,670 | 4,358 |
| Average equity | $12,256,000 | 4,549 |
| Average total loans | $65,166,000 | 4,602 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 3,059 |
| Cost of funding earning assets | 0.4438% | 6,185 |
| Net interest margin | 4.2558% | 1,597 |
| Noninterest income to average assets | 0.5366% | 3,652 |
| Noninterest expense to average assets | 3.0494% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3775% | 1,262 |
| Return on assets (ROA) | 1.3775% | 1,411 |
| Pretax return on assets | 1.3775% | 2,256 |
| Return on Equity (ROE) | 13.8961% | 1,210 |
| Retained earnings to average equity (ytd only) | 8.3179% | 1,854 |
| Net charge-offs to loans | 0.6036% | 1,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.2959% | 2,603 |
| Efficiency ratio | 68.8840% | 4,002 |
| Assets per employee ($millions) | 3.4668% | 5,196 |
| Cash dividends to net income (ytd only)* | 40.1425% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8350% | 975 |
| Loan loss allowance to noncurrent loans | 75.2179% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 2.6570% | 2,220 |
| Noncurrent loans to loans | 3.7691% | 1,646 |
| Net loans and leases to total assets | 49.7604% | 5,339 |
| Net loans and leases to deposits | 55.5309% | 5,659 |
| Net loans and leases to core deposits | 58.6669% | 5,658 |
| Total domestic deposits to total assets | 89.6085% | 1,294 |
| Equity capital to assets | 9.7585% | 4,444 |
| Core capital (leverage) ratio | 9.5365% | 4,000 |
| Tier 1 risk-based capital ratio | 15.2352% | 3,601 |
| Total risk-based capital ratio | 16.4993% | 3,555 |
| Memoranda: | ||
| Average total assets | $122,253,000 | 4,404 |
| Average earning assets | $111,754,500 | 4,392 |
| Average equity | $12,118,500 | 4,588 |
| Average total loans | $64,943,500 | 4,621 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1990% | 2,061 |
| Cost of funding earning assets | 0.6013% | 6,086 |
| Net interest margin | 4.5977% | 931 |
| Noninterest income to average assets | 0.4434% | 4,280 |
| Noninterest expense to average assets | 3.3455% | 2,370 |
| Loan and lease loss provision to assets | 0.2618% | 3,599 |
| Net operating income to assets | 1.0404% | 2,040 |
| Return on assets (ROA) | 1.0404% | 2,187 |
| Pretax return on assets | 1.0404% | 3,077 |
| Return on Equity (ROE) | 10.3515% | 1,937 |
| Retained earnings to average equity (ytd only) | 4.2726% | 3,144 |
| Net charge-offs to loans | 0.4944% | 3,018 |
| Credit loss provision to net charge-offs | 90.6344% | 3,979 |
| Earnings coverage of net charge-offs (x) | 4.5076% | 3,088 |
| Efficiency ratio | 71.9812% | 3,580 |
| Assets per employee ($millions) | 3.2352% | 5,645 |
| Cash dividends to net income (ytd only)* | 58.7248% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8952% | 894 |
| Loan loss allowance to noncurrent loans | 85.0780% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 2.6332% | 2,311 |
| Noncurrent loans to loans | 3.4030% | 1,897 |
| Net loans and leases to total assets | 53.5179% | 5,108 |
| Net loans and leases to deposits | 59.9007% | 5,491 |
| Net loans and leases to core deposits | 62.3596% | 5,618 |
| Total domestic deposits to total assets | 89.3444% | 1,335 |
| Equity capital to assets | 10.0733% | 4,070 |
| Core capital (leverage) ratio | 9.7192% | 3,721 |
| Tier 1 risk-based capital ratio | 14.8184% | 3,748 |
| Total risk-based capital ratio | 16.0845% | 3,713 |
| Memoranda: | ||
| Average total assets | $114,572,800 | 4,533 |
| Average earning assets | $104,770,600 | 4,530 |
| Average equity | $11,515,200 | 4,657 |
| Average total loans | $66,953,800 | 4,599 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2688% | 1,969 |
| Cost of funding earning assets | 0.6343% | 6,112 |
| Net interest margin | 4.6345% | 883 |
| Noninterest income to average assets | 0.5049% | 3,833 |
| Noninterest expense to average assets | 3.3518% | 2,345 |
| Loan and lease loss provision to assets | 0.2707% | 3,339 |
| Net operating income to assets | 1.1216% | 1,901 |
| Return on assets (ROA) | 1.1216% | 2,035 |
| Pretax return on assets | 1.1216% | 2,922 |
| Return on Equity (ROE) | 11.1660% | 1,798 |
| Retained earnings to average equity (ytd only) | 4.8976% | 3,244 |
| Net charge-offs to loans | 0.4504% | 2,922 |
| Credit loss provision to net charge-offs | 101.3216% | 3,311 |
| Earnings coverage of net charge-offs (x) | 5.2114% | 2,849 |
| Efficiency ratio | 70.6524% | 3,823 |
| Assets per employee ($millions) | 3.0894% | 5,923 |
| Cash dividends to net income (ytd only)* | 56.1391% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9666% | 888 |
| Loan loss allowance to noncurrent loans | 109.0909% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 2.4215% | 2,664 |
| Noncurrent loans to loans | 2.7194% | 2,575 |
| Net loans and leases to total assets | 55.6264% | 4,894 |
| Net loans and leases to deposits | 62.6556% | 5,328 |
| Net loans and leases to core deposits | 65.5350% | 5,464 |
| Total domestic deposits to total assets | 88.7813% | 1,558 |
| Equity capital to assets | 10.4699% | 3,744 |
| Core capital (leverage) ratio | 9.7243% | 3,812 |
| Tier 1 risk-based capital ratio | 14.9358% | 3,700 |
| Total risk-based capital ratio | 16.2019% | 3,662 |
| Memoranda: | ||
| Average total assets | $113,290,500 | 4,597 |
| Average earning assets | $103,625,750 | 4,587 |
| Average equity | $11,379,500 | 4,717 |
| Average total loans | $67,199,250 | 4,625 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 1,811 |
| Cost of funding earning assets | 0.6590% | 6,175 |
| Net interest margin | 4.6636% | 798 |
| Noninterest income to average assets | 0.4533% | 4,265 |
| Noninterest expense to average assets | 3.4015% | 2,253 |
| Loan and lease loss provision to assets | 0.1771% | 4,152 |
| Net operating income to assets | 1.1474% | 1,731 |
| Return on assets (ROA) | 1.1474% | 1,808 |
| Pretax return on assets | 1.1474% | 2,675 |
| Return on Equity (ROE) | 11.5887% | 1,609 |
| Retained earnings to average equity (ytd only) | 5.0611% | 2,967 |
| Net charge-offs to loans | 0.2479% | 3,637 |
| Credit loss provision to net charge-offs | 119.0476% | 2,574 |
| Earnings coverage of net charge-offs (x) | 8.9048% | 1,987 |
| Efficiency ratio | 71.9745% | 3,739 |
| Assets per employee ($millions) | 3.1209% | 5,830 |
| Cash dividends to net income (ytd only)* | 56.3272% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8761% | 1,008 |
| Loan loss allowance to noncurrent loans | 111.3830% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 2.0663% | 3,156 |
| Noncurrent loans to loans | 2.5822% | 2,795 |
| Net loans and leases to total assets | 57.2321% | 4,780 |
| Net loans and leases to deposits | 64.0155% | 5,268 |
| Net loans and leases to core deposits | 67.1903% | 5,370 |
| Total domestic deposits to total assets | 89.4035% | 1,301 |
| Equity capital to assets | 9.9678% | 4,198 |
| Core capital (leverage) ratio | 9.7736% | 3,561 |
| Tier 1 risk-based capital ratio | 14.2738% | 3,958 |
| Total risk-based capital ratio | 15.5395% | 3,921 |
| Memoranda: | ||
| Average total assets | $112,951,000 | 4,631 |
| Average earning assets | $103,482,670 | 4,615 |
| Average equity | $11,183,330 | 4,764 |
| Average total loans | $67,755,670 | 4,650 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 1,544 |
| Cost of funding earning assets | 0.6633% | 6,328 |
| Net interest margin | 4.7404% | 652 |
| Noninterest income to average assets | 0.4871% | 3,994 |
| Noninterest expense to average assets | 3.4667% | 2,092 |
| Loan and lease loss provision to assets | 0.1791% | 3,826 |
| Net operating income to assets | 1.1926% | 1,541 |
| Return on assets (ROA) | 1.1926% | 1,586 |
| Pretax return on assets | 1.1926% | 2,396 |
| Return on Equity (ROE) | 12.0871% | 1,436 |
| Retained earnings to average equity (ytd only) | 7.2595% | 2,038 |
| Net charge-offs to loans | -0.0651% | 6,971 |
| Credit loss provision to net charge-offs | -454.5455% | 5,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6506% | 3,933 |
| Assets per employee ($millions) | 3.0015% | 6,139 |
| Cash dividends to net income (ytd only)* | 39.9399% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9492% | 959 |
| Loan loss allowance to noncurrent loans | 112.5984% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 2.1944% | 3,072 |
| Noncurrent loans to loans | 2.6193% | 2,882 |
| Net loans and leases to total assets | 59.3214% | 4,400 |
| Net loans and leases to deposits | 66.3785% | 4,916 |
| Net loans and leases to core deposits | 69.7896% | 5,067 |
| Total domestic deposits to total assets | 89.3684% | 1,552 |
| Equity capital to assets | 10.0184% | 3,752 |
| Core capital (leverage) ratio | 9.9656% | 3,185 |
| Tier 1 risk-based capital ratio | 14.3647% | 3,827 |
| Total risk-based capital ratio | 15.6311% | 3,781 |
| Memoranda: | ||
| Average total assets | $111,690,500 | 4,694 |
| Average earning assets | $102,523,500 | 4,669 |
| Average equity | $11,020,000 | 4,797 |
| Average total loans | $67,611,500 | 4,700 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6592% | 1,720 |
| Cost of funding earning assets | 0.9336% | 6,016 |
| Net interest margin | 4.7256% | 775 |
| Noninterest income to average assets | 0.3793% | 5,069 |
| Noninterest expense to average assets | 3.4599% | 2,276 |
| Loan and lease loss provision to assets | 0.7603% | 2,155 |
| Net operating income to assets | 0.4875% | 4,158 |
| Return on assets (ROA) | 0.6503% | 3,583 |
| Pretax return on assets | 0.6503% | 4,166 |
| Return on Equity (ROE) | 6.6634% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.9779% | 3,081 |
| Net charge-offs to loans | 0.9155% | 2,351 |
| Credit loss provision to net charge-offs | 130.1685% | 3,054 |
| Earnings coverage of net charge-offs (x) | 2.1363% | 4,124 |
| Efficiency ratio | 73.4942% | 3,489 |
| Assets per employee ($millions) | 3.0358% | 6,027 |
| Cash dividends to net income (ytd only)* | 40.3026% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8823% | 968 |
| Loan loss allowance to noncurrent loans | 56.7378% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 3.4863% | 1,993 |
| Noncurrent loans to loans | 5.0801% | 1,315 |
| Net loans and leases to total assets | 58.2239% | 4,991 |
| Net loans and leases to deposits | 64.8636% | 5,530 |
| Net loans and leases to core deposits | 68.3793% | 5,622 |
| Total domestic deposits to total assets | 89.7636% | 1,227 |
| Equity capital to assets | 9.7164% | 4,098 |
| Core capital (leverage) ratio | 9.6534% | 3,478 |
| Tier 1 risk-based capital ratio | 14.1589% | 3,763 |
| Total risk-based capital ratio | 15.4237% | 3,713 |
| Memoranda: | ||
| Average total assets | $111,794,400 | 4,666 |
| Average earning assets | $102,400,000 | 4,660 |
| Average equity | $10,910,400 | 4,887 |
| Average total loans | $71,324,800 | 4,629 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7010% | 1,715 |
| Cost of funding earning assets | 0.9856% | 6,007 |
| Net interest margin | 4.7154% | 809 |
| Noninterest income to average assets | 0.3522% | 5,353 |
| Noninterest expense to average assets | 3.4186% | 2,240 |
| Loan and lease loss provision to assets | 0.9254% | 1,625 |
| Net operating income to assets | 0.3272% | 5,056 |
| Return on assets (ROA) | 0.5445% | 4,282 |
| Pretax return on assets | 0.5445% | 4,780 |
| Return on Equity (ROE) | 5.5729% | 4,017 |
| Retained earnings to average equity (ytd only) | 3.4586% | 4,015 |
| Net charge-offs to loans | 1.0011% | 2,004 |
| Credit loss provision to net charge-offs | 142.7256% | 2,764 |
| Earnings coverage of net charge-offs (x) | 1.9319% | 4,259 |
| Efficiency ratio | 73.1851% | 3,485 |
| Assets per employee ($millions) | 2.9784% | 6,194 |
| Cash dividends to net income (ytd only)* | 37.9387% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7921% | 1,011 |
| Loan loss allowance to noncurrent loans | 51.0858% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 4.1770% | 1,646 |
| Noncurrent loans to loans | 5.4654% | 1,218 |
| Net loans and leases to total assets | 62.4283% | 4,440 |
| Net loans and leases to deposits | 70.6462% | 5,061 |
| Net loans and leases to core deposits | 74.5918% | 5,219 |
| Total domestic deposits to total assets | 88.3675% | 1,751 |
| Equity capital to assets | 10.0454% | 4,101 |
| Core capital (leverage) ratio | 9.4153% | 4,036 |
| Tier 1 risk-based capital ratio | 13.4220% | 4,249 |
| Total risk-based capital ratio | 14.6871% | 4,196 |
| Memoranda: | ||
| Average total assets | $111,661,750 | 4,724 |
| Average earning assets | $102,271,750 | 4,716 |
| Average equity | $10,909,500 | 4,950 |
| Average total loans | $72,320,750 | 4,663 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 1,812 |
| Cost of funding earning assets | 1.0259% | 6,023 |
| Net interest margin | 4.6624% | 876 |
| Noninterest income to average assets | 0.5368% | 3,820 |
| Noninterest expense to average assets | 3.3883% | 2,295 |
| Loan and lease loss provision to assets | 1.3821% | 975 |
| Net operating income to assets | 0.0375% | 6,019 |
| Return on assets (ROA) | 0.3531% | 5,123 |
| Pretax return on assets | 0.3531% | 5,364 |
| Return on Equity (ROE) | 3.6478% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.6478% | 3,780 |
| Net charge-offs to loans | 1.1148% | 1,702 |
| Credit loss provision to net charge-offs | 190.8867% | 2,067 |
| Earnings coverage of net charge-offs (x) | 1.9606% | 4,052 |
| Efficiency ratio | 70.4748% | 4,094 |
| Assets per employee ($millions) | 3.0887% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9528% | 862 |
| Loan loss allowance to noncurrent loans | 85.8245% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 3.1755% | 2,232 |
| Noncurrent loans to loans | 3.4405% | 2,310 |
| Net loans and leases to total assets | 60.7686% | 4,914 |
| Net loans and leases to deposits | 68.2976% | 5,525 |
| Net loans and leases to core deposits | 72.1018% | 5,655 |
| Total domestic deposits to total assets | 88.9763% | 1,455 |
| Equity capital to assets | 9.5703% | 4,598 |
| Core capital (leverage) ratio | 9.4881% | 3,839 |
| Tier 1 risk-based capital ratio | 13.0885% | 4,368 |
| Total risk-based capital ratio | 14.3555% | 4,312 |
| Memoranda: | ||
| Average total assets | $112,149,000 | 4,744 |
| Average earning assets | $102,737,670 | 4,727 |
| Average equity | $10,856,000 | 4,954 |
| Average total loans | $72,837,000 | 4,683 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6945% | 1,802 |
| Cost of funding earning assets | 1.0721% | 6,028 |
| Net interest margin | 4.6223% | 911 |
| Noninterest income to average assets | 0.5473% | 3,671 |
| Noninterest expense to average assets | 3.4533% | 2,096 |
| Loan and lease loss provision to assets | 1.7104% | 664 |
| Net operating income to assets | -0.3781% | 6,742 |
| Return on assets (ROA) | 0.2593% | 5,583 |
| Pretax return on assets | 0.2593% | 5,721 |
| Return on Equity (ROE) | 2.6628% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.6628% | 4,552 |
| Net charge-offs to loans | 2.0742% | 821 |
| Credit loss provision to net charge-offs | 124.6719% | 2,819 |
| Earnings coverage of net charge-offs (x) | 0.9711% | 4,191 |
| Efficiency ratio | 72.1595% | 3,903 |
| Assets per employee ($millions) | 2.9423% | 6,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5412% | 1,244 |
| Loan loss allowance to noncurrent loans | 58.7408% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.3289% | 2,144 |
| Noncurrent loans to loans | 4.3261% | 1,752 |
| Net loans and leases to total assets | 64.7514% | 4,148 |
| Net loans and leases to deposits | 73.0431% | 4,896 |
| Net loans and leases to core deposits | 77.6957% | 5,059 |
| Total domestic deposits to total assets | 88.6482% | 1,705 |
| Equity capital to assets | 9.8729% | 4,028 |
| Core capital (leverage) ratio | 9.4454% | 3,860 |
| Tier 1 risk-based capital ratio | 12.7341% | 4,530 |
| Total risk-based capital ratio | 13.9963% | 4,483 |
| Memoranda: | ||
| Average total assets | $111,083,000 | 4,846 |
| Average earning assets | $101,853,000 | 4,817 |
| Average equity | $10,815,500 | 5,024 |
| Average total loans | $73,475,500 | 4,735 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4360% | 765 |
| Cost of funding earning assets | 1.5986% | 5,036 |
| Net interest margin | 4.8375% | 640 |
| Noninterest income to average assets | 0.5042% | 4,375 |
| Noninterest expense to average assets | 3.4220% | 2,611 |
| Loan and lease loss provision to assets | 1.6062% | 1,424 |
| Net operating income to assets | -0.0481% | 5,578 |
| Return on assets (ROA) | 0.0438% | 5,409 |
| Pretax return on assets | 0.0438% | 5,342 |
| Return on Equity (ROE) | 0.4905% | 5,392 |
| Retained earnings to average equity (ytd only) | -2.8467% | 5,672 |
| Net charge-offs to loans | 1.7523% | 1,427 |
| Credit loss provision to net charge-offs | 133.1909% | 3,750 |
| Earnings coverage of net charge-offs (x) | 1.2920% | 4,837 |
| Efficiency ratio | 68.7133% | 4,882 |
| Assets per employee ($millions) | 3.0622% | 6,063 |
| Cash dividends to net income (ytd only)* | 680.3922% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3371% | 1,423 |
| Loan loss allowance to noncurrent loans | 62.0420% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.9179% | 2,399 |
| Noncurrent loans to loans | 3.7670% | 1,991 |
| Net loans and leases to total assets | 64.3219% | 4,531 |
| Net loans and leases to deposits | 72.2380% | 5,293 |
| Net loans and leases to core deposits | 83.0547% | 5,813 |
| Total domestic deposits to total assets | 89.0417% | 1,463 |
| Equity capital to assets | 9.6053% | 4,264 |
| Core capital (leverage) ratio | 9.0911% | 4,274 |
| Tier 1 risk-based capital ratio | 12.4158% | 4,579 |
| Total risk-based capital ratio | 13.6767% | 4,529 |
| Memoranda: | ||
| Average total assets | $116,424,800 | 4,671 |
| Average earning assets | $107,721,600 | 4,640 |
| Average equity | $10,398,000 | 5,192 |
| Average total loans | $80,122,000 | 4,504 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4779% | 791 |
| Cost of funding earning assets | 1.7228% | 4,784 |
| Net interest margin | 4.7551% | 747 |
| Noninterest income to average assets | 0.4983% | 4,497 |
| Noninterest expense to average assets | 3.4184% | 2,516 |
| Loan and lease loss provision to assets | 1.5585% | 1,220 |
| Net operating income to assets | -0.0671% | 5,840 |
| Return on assets (ROA) | 0.0546% | 5,629 |
| Pretax return on assets | 0.0546% | 5,608 |
| Return on Equity (ROE) | 0.6228% | 5,608 |
| Retained earnings to average equity (ytd only) | -3.8792% | 6,097 |
| Net charge-offs to loans | 1.9518% | 1,017 |
| Credit loss provision to net charge-offs | 114.8365% | 4,421 |
| Earnings coverage of net charge-offs (x) | 1.0989% | 4,965 |
| Efficiency ratio | 69.6247% | 4,669 |
| Assets per employee ($millions) | 2.9719% | 6,240 |
| Cash dividends to net income (ytd only)* | 722.9063% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 2,123 |
| Loan loss allowance to noncurrent loans | 47.7833% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 2.7092% | 2,569 |
| Noncurrent loans to loans | 3.9017% | 1,886 |
| Net loans and leases to total assets | 66.0794% | 4,413 |
| Net loans and leases to deposits | 74.1263% | 5,349 |
| Net loans and leases to core deposits | 86.8227% | 5,780 |
| Total domestic deposits to total assets | 89.1444% | 1,133 |
| Equity capital to assets | 9.3682% | 4,930 |
| Core capital (leverage) ratio | 9.0063% | 4,641 |
| Tier 1 risk-based capital ratio | 12.0616% | 4,917 |
| Total risk-based capital ratio | 13.3171% | 4,854 |
| Memoranda: | ||
| Average total assets | $117,205,500 | 4,666 |
| Average earning assets | $108,736,750 | 4,627 |
| Average equity | $10,276,750 | 5,266 |
| Average total loans | $81,497,000 | 4,503 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5486% | 732 |
| Cost of funding earning assets | 1.8697% | 4,423 |
| Net interest margin | 4.6789% | 833 |
| Noninterest income to average assets | 0.4845% | 4,585 |
| Noninterest expense to average assets | 3.4784% | 2,407 |
| Loan and lease loss provision to assets | 1.4791% | 1,160 |
| Net operating income to assets | -0.1377% | 6,080 |
| Return on assets (ROA) | -0.1377% | 6,110 |
| Pretax return on assets | -0.1377% | 6,047 |
| Return on Equity (ROE) | -1.6067% | 6,164 |
| Retained earnings to average equity (ytd only) | -8.4895% | 6,721 |
| Net charge-offs to loans | 2.1126% | 872 |
| Credit loss provision to net charge-offs | 99.6564% | 4,624 |
| Earnings coverage of net charge-offs (x) | 0.9038% | 4,855 |
| Efficiency ratio | 72.1693% | 4,376 |
| Assets per employee ($millions) | 3.0538% | 5,990 |
| Cash dividends to net income (ytd only)* | -428.3951% | 8,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 2,736 |
| Loan loss allowance to noncurrent loans | 53.4591% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.0026% | 3,195 |
| Noncurrent loans to loans | 2.9953% | 2,413 |
| Net loans and leases to total assets | 65.7859% | 4,610 |
| Net loans and leases to deposits | 74.4508% | 5,386 |
| Net loans and leases to core deposits | 88.6321% | 5,668 |
| Total domestic deposits to total assets | 88.3616% | 1,592 |
| Equity capital to assets | 8.4796% | 6,079 |
| Core capital (leverage) ratio | 8.1143% | 6,135 |
| Tier 1 risk-based capital ratio | 10.7575% | 6,128 |
| Total risk-based capital ratio | 12.0096% | 6,064 |
| Memoranda: | ||
| Average total assets | $117,639,670 | 4,695 |
| Average earning assets | $109,000,330 | 4,657 |
| Average equity | $10,083,000 | 5,338 |
| Average total loans | $82,648,330 | 4,507 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7341% | 548 |
| Cost of funding earning assets | 1.9658% | 4,304 |
| Net interest margin | 4.7683% | 651 |
| Noninterest income to average assets | 0.4722% | 4,574 |
| Noninterest expense to average assets | 3.3222% | 2,593 |
| Loan and lease loss provision to assets | 2.4703% | 468 |
| Net operating income to assets | -0.9135% | 7,203 |
| Return on assets (ROA) | -0.9135% | 7,228 |
| Pretax return on assets | -0.9135% | 7,104 |
| Return on Equity (ROE) | -10.6005% | 7,401 |
| Retained earnings to average equity (ytd only) | -20.5261% | 7,660 |
| Net charge-offs to loans | 1.7681% | 820 |
| Credit loss provision to net charge-offs | 194.0860% | 2,275 |
| Earnings coverage of net charge-offs (x) | 1.2231% | 4,140 |
| Efficiency ratio | 68.0926% | 4,952 |
| Assets per employee ($millions) | 3.0162% | 6,109 |
| Cash dividends to net income (ytd only)* | -93.6330% | 8,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9847% | 1,453 |
| Loan loss allowance to noncurrent loans | 81.6040% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 2.1465% | 2,682 |
| Noncurrent loans to loans | 2.4322% | 2,708 |
| Net loans and leases to total assets | 68.3470% | 4,059 |
| Net loans and leases to deposits | 77.2196% | 5,055 |
| Net loans and leases to core deposits | 93.1503% | 5,238 |
| Total domestic deposits to total assets | 88.5099% | 1,482 |
| Equity capital to assets | 8.4382% | 6,167 |
| Core capital (leverage) ratio | 8.0891% | 6,314 |
| Tier 1 risk-based capital ratio | 10.3206% | 6,576 |
| Total risk-based capital ratio | 11.5765% | 6,487 |
| Memoranda: | ||
| Average total assets | $116,911,000 | 4,732 |
| Average earning assets | $108,047,000 | 4,686 |
| Average equity | $10,075,000 | 5,362 |
| Average total loans | $84,160,500 | 4,490 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3129% | 583 |
| Cost of funding earning assets | 2.3273% | 5,022 |
| Net interest margin | 4.9856% | 531 |
| Noninterest income to average assets | 0.5988% | 3,848 |
| Noninterest expense to average assets | 3.5744% | 2,211 |
| Loan and lease loss provision to assets | 0.2552% | 4,364 |
| Net operating income to assets | 1.3616% | 1,320 |
| Return on assets (ROA) | 1.3625% | 1,274 |
| Pretax return on assets | 1.3625% | 2,081 |
| Return on Equity (ROE) | 16.1481% | 750 |
| Retained earnings to average equity (ytd only) | 5.9941% | 1,536 |
| Net charge-offs to loans | 0.0829% | 5,578 |
| Credit loss provision to net charge-offs | 426.1538% | 1,026 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,259 |
| Efficiency ratio | 68.8554% | 4,565 |
| Assets per employee ($millions) | 2.9792% | 6,104 |
| Cash dividends to net income (ytd only)* | 62.8803% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 2,785 |
| Loan loss allowance to noncurrent loans | 58.2763% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.8874% | 2,605 |
| Noncurrent loans to loans | 2.5413% | 2,141 |
| Net loans and leases to total assets | 73.1707% | 3,323 |
| Net loans and leases to deposits | 83.1869% | 4,549 |
| Net loans and leases to core deposits | 103.6666% | 4,424 |
| Total domestic deposits to total assets | 87.9594% | 1,485 |
| Equity capital to assets | 8.7994% | 5,653 |
| Core capital (leverage) ratio | 8.5530% | 5,479 |
| Tier 1 risk-based capital ratio | 10.5952% | 6,108 |
| Total risk-based capital ratio | 11.8466% | 6,008 |
| Memoranda: | ||
| Average total assets | $108,548,200 | 4,818 |
| Average earning assets | $99,987,800 | 4,805 |
| Average equity | $9,159,000 | 5,687 |
| Average total loans | $78,416,800 | 4,574 |