Home > McIntosh County Bank > Performance and Condition Ratios
McIntosh County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 2,811 |
| Cost of funding earning assets | 1.1000% | 3,069 |
| Net interest margin | 3.5362% | 2,104 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.9672% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6189% | 839 |
| Return on assets (ROA) | 1.6189% | 806 |
| Pretax return on assets | 1.6189% | 1,199 |
| Return on Equity (ROE) | 23.5700% | 372 |
| Retained earnings to average equity (ytd only) | 9.6406% | 1,109 |
| Net charge-offs to loans | 0.1109% | 850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 26.2286% | 1,713 |
| Efficiency ratio | 54.8562% | 3,611 |
| Assets per employee ($millions) | 8.9455% | 1,001 |
| Cash dividends to net income (ytd only)* | 59.0959% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3840% | 221 |
| Loan loss allowance to noncurrent loans | 6,424.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,584 |
| Noncurrent loans to loans | 0.0371% | 3,469 |
| Net loans and leases to total assets | 56.5500% | 3,153 |
| Net loans and leases to deposits | 71.3642% | 2,794 |
| Net loans and leases to core deposits | 76.0900% | 2,970 |
| Total domestic deposits to total assets | 79.2400% | 3,575 |
| Equity capital to assets | 7.3470% | 3,795 |
| Core capital (leverage) ratio | 10.6960% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0855% | 1,512 |
| Memoranda: | ||
| Average total assets | $113,408,400 | 3,712 |
| Average earning assets | $106,638,800 | 3,679 |
| Average equity | $7,790,000 | 3,955 |
| Average total loans | $63,122,600 | 3,662 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 2,777 |
| Cost of funding earning assets | 0.9228% | 3,222 |
| Net interest margin | 3.6371% | 1,907 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.9310% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7322% | 755 |
| Return on assets (ROA) | 1.7322% | 741 |
| Pretax return on assets | 1.7322% | 1,112 |
| Return on Equity (ROE) | 25.6800% | 364 |
| Retained earnings to average equity (ytd only) | 25.6785% | 132 |
| Net charge-offs to loans | -0.0602% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.7132% | 3,700 |
| Assets per employee ($millions) | 8.5955% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5897% | 179 |
| Loan loss allowance to noncurrent loans | 946.6667% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,506 |
| Noncurrent loans to loans | 0.2736% | 2,260 |
| Net loans and leases to total assets | 57.3600% | 3,089 |
| Net loans and leases to deposits | 70.7204% | 2,794 |
| Net loans and leases to core deposits | 75.4488% | 2,905 |
| Total domestic deposits to total assets | 81.1100% | 3,363 |
| Equity capital to assets | 6.9205% | 3,651 |
| Core capital (leverage) ratio | 11.3057% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2598% | 1,253 |
| Memoranda: | ||
| Average total assets | $112,687,500 | 3,732 |
| Average earning assets | $105,907,250 | 3,699 |
| Average equity | $7,601,500 | 3,984 |
| Average total loans | $62,061,750 | 3,686 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 2,842 |
| Cost of funding earning assets | 0.7559% | 3,332 |
| Net interest margin | 3.6629% | 1,889 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.9203% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7221% | 753 |
| Return on assets (ROA) | 1.7221% | 753 |
| Pretax return on assets | 1.7221% | 1,162 |
| Return on Equity (ROE) | 25.7500% | 349 |
| Retained earnings to average equity (ytd only) | 25.7487% | 113 |
| Net charge-offs to loans | -0.1283% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.7211% | 3,720 |
| Assets per employee ($millions) | 8.4909% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6761% | 177 |
| Loan loss allowance to noncurrent loans | 922.0430% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,378 |
| Noncurrent loans to loans | 0.2902% | 2,095 |
| Net loans and leases to total assets | 56.5000% | 3,083 |
| Net loans and leases to deposits | 65.7755% | 3,072 |
| Net loans and leases to core deposits | 68.3705% | 3,215 |
| Total domestic deposits to total assets | 85.9100% | 2,256 |
| Equity capital to assets | 7.1153% | 3,730 |
| Core capital (leverage) ratio | 10.9923% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6643% | 1,391 |
| Memoranda: | ||
| Average total assets | $113,003,000 | 3,738 |
| Average earning assets | $106,363,000 | 3,708 |
| Average equity | $7,557,667 | 4,010 |
| Average total loans | $60,815,667 | 3,711 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 2,994 |
| Cost of funding earning assets | 0.6061% | 3,364 |
| Net interest margin | 3.6179% | 2,085 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.8930% | 3,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7251% | 784 |
| Return on assets (ROA) | 1.7251% | 776 |
| Pretax return on assets | 1.7251% | 1,224 |
| Return on Equity (ROE) | 26.6100% | 333 |
| Retained earnings to average equity (ytd only) | 26.6145% | 149 |
| Net charge-offs to loans | -0.2704% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.3211% | 3,751 |
| Assets per employee ($millions) | 8.8038% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9465% | 134 |
| Loan loss allowance to noncurrent loans | 884.5361% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 2,322 |
| Noncurrent loans to loans | 0.3331% | 1,961 |
| Net loans and leases to total assets | 49.3900% | 3,536 |
| Net loans and leases to deposits | 56.7968% | 3,528 |
| Net loans and leases to core deposits | 58.6065% | 3,605 |
| Total domestic deposits to total assets | 86.9500% | 2,286 |
| Equity capital to assets | 6.7620% | 3,935 |
| Core capital (leverage) ratio | 10.5156% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1458% | 1,586 |
| Memoranda: | ||
| Average total assets | $114,313,500 | 3,777 |
| Average earning assets | $107,575,000 | 3,741 |
| Average equity | $7,409,500 | 4,076 |
| Average total loans | $59,180,500 | 3,770 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 2,416 |
| Cost of funding earning assets | 0.4041% | 2,063 |
| Net interest margin | 3.3423% | 2,444 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.9456% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3733% | 1,202 |
| Return on assets (ROA) | 1.3733% | 1,159 |
| Pretax return on assets | 1.3733% | 1,853 |
| Return on Equity (ROE) | 18.8000% | 597 |
| Retained earnings to average equity (ytd only) | 5.9653% | 2,661 |
| Net charge-offs to loans | 0.0637% | 1,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 42.7222% | 1,468 |
| Efficiency ratio | 58.6225% | 3,247 |
| Assets per employee ($millions) | 8.7829% | 980 |
| Cash dividends to net income (ytd only)* | 68.2705% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7877% | 153 |
| Loan loss allowance to noncurrent loans | 817.5610% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,293 |
| Noncurrent loans to loans | 0.3410% | 1,927 |
| Net loans and leases to total assets | 51.1900% | 3,420 |
| Net loans and leases to deposits | 58.5408% | 3,417 |
| Net loans and leases to core deposits | 59.5319% | 3,534 |
| Total domestic deposits to total assets | 87.4400% | 2,253 |
| Equity capital to assets | 6.2008% | 4,019 |
| Core capital (leverage) ratio | 10.2907% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0992% | 1,603 |
| Memoranda: | ||
| Average total assets | $111,993,800 | 3,810 |
| Average earning assets | $102,204,200 | 3,815 |
| Average equity | $8,180,600 | 4,081 |
| Average total loans | $56,538,200 | 3,798 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 2,211 |
| Cost of funding earning assets | 0.3826% | 1,420 |
| Net interest margin | 3.2609% | 2,423 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.9572% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2777% | 1,432 |
| Return on assets (ROA) | 1.2777% | 1,397 |
| Pretax return on assets | 1.2777% | 2,118 |
| Return on Equity (ROE) | 16.8400% | 826 |
| Retained earnings to average equity (ytd only) | 16.8402% | 224 |
| Net charge-offs to loans | -0.0479% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.5030% | 3,055 |
| Assets per employee ($millions) | 8.4414% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9438% | 139 |
| Loan loss allowance to noncurrent loans | 1,186.3014% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 2,680 |
| Noncurrent loans to loans | 0.2481% | 2,389 |
| Net loans and leases to total assets | 52.0400% | 3,275 |
| Net loans and leases to deposits | 59.2968% | 3,260 |
| Net loans and leases to core deposits | 60.3337% | 3,360 |
| Total domestic deposits to total assets | 87.7600% | 2,498 |
| Equity capital to assets | 6.3615% | 3,815 |
| Core capital (leverage) ratio | 10.3252% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2544% | 1,355 |
| Memoranda: | ||
| Average total assets | $111,447,750 | 3,842 |
| Average earning assets | $101,073,250 | 3,852 |
| Average equity | $8,455,750 | 4,098 |
| Average total loans | $55,642,250 | 3,825 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 2,395 |
| Cost of funding earning assets | 0.3781% | 1,058 |
| Net interest margin | 3.0350% | 2,783 |
| Noninterest income to average assets | 0.2143% | 3,919 |
| Noninterest expense to average assets | 1.9675% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9981% | 2,162 |
| Return on assets (ROA) | 0.9981% | 2,135 |
| Pretax return on assets | 0.9981% | 2,745 |
| Return on Equity (ROE) | 12.4953% | 1,526 |
| Retained earnings to average equity (ytd only) | 12.4953% | 528 |
| Net charge-offs to loans | -0.0733% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3456% | 2,464 |
| Assets per employee ($millions) | 7.4758% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1033% | 134 |
| Loan loss allowance to noncurrent loans | 1,443.3333% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 2,960 |
| Noncurrent loans to loans | 0.2150% | 2,645 |
| Net loans and leases to total assets | 48.2267% | 3,531 |
| Net loans and leases to deposits | 54.9147% | 3,473 |
| Net loans and leases to core deposits | 55.8487% | 3,577 |
| Total domestic deposits to total assets | 87.8211% | 2,645 |
| Equity capital to assets | 6.3324% | 4,088 |
| Core capital (leverage) ratio | 9.9995% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4557% | 1,585 |
| Memoranda: | ||
| Average total assets | $112,017,667 | 3,877 |
| Average earning assets | $101,549,667 | 3,896 |
| Average equity | $8,947,333 | 4,108 |
| Average total loans | $54,577,667 | 3,884 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3946% | 2,102 |
| Cost of funding earning assets | 0.3847% | 955 |
| Net interest margin | 3.0098% | 2,470 |
| Noninterest income to average assets | 0.2465% | 3,667 |
| Noninterest expense to average assets | 1.9829% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9468% | 2,086 |
| Return on assets (ROA) | 0.9468% | 2,076 |
| Pretax return on assets | 0.9468% | 2,608 |
| Return on Equity (ROE) | 10.7391% | 1,712 |
| Retained earnings to average equity (ytd only) | 10.7391% | 836 |
| Net charge-offs to loans | -0.0222% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6829% | 2,545 |
| Assets per employee ($millions) | 7.5599% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3274% | 119 |
| Loan loss allowance to noncurrent loans | 952.7778% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 2,690 |
| Noncurrent loans to loans | 0.3492% | 2,232 |
| Net loans and leases to total assets | 43.9387% | 3,745 |
| Net loans and leases to deposits | 51.0157% | 3,645 |
| Net loans and leases to core deposits | 51.8859% | 3,741 |
| Total domestic deposits to total assets | 86.1277% | 3,213 |
| Equity capital to assets | 7.9595% | 3,603 |
| Core capital (leverage) ratio | 9.8157% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5629% | 1,625 |
| Memoranda: | ||
| Average total assets | $111,958,000 | 3,893 |
| Average earning assets | $99,806,500 | 3,936 |
| Average equity | $9,870,500 | 4,068 |
| Average total loans | $53,960,500 | 3,902 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 1,579 |
| Cost of funding earning assets | 0.4515% | 1,189 |
| Net interest margin | 3.4586% | 1,856 |
| Noninterest income to average assets | 0.2920% | 3,651 |
| Noninterest expense to average assets | 2.0690% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3368% | 1,487 |
| Return on assets (ROA) | 1.3387% | 1,516 |
| Pretax return on assets | 1.3387% | 2,241 |
| Return on Equity (ROE) | 12.8717% | 1,497 |
| Retained earnings to average equity (ytd only) | 3.3939% | 3,462 |
| Net charge-offs to loans | 0.0186% | 1,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 142.4000% | 693 |
| Efficiency ratio | 60.7497% | 3,032 |
| Assets per employee ($millions) | 7.3678% | 1,685 |
| Cash dividends to net income (ytd only)* | 73.6325% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0365% | 143 |
| Loan loss allowance to noncurrent loans | 1,881.3187% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,365 |
| Noncurrent loans to loans | 0.1614% | 3,133 |
| Net loans and leases to total assets | 49.4657% | 3,351 |
| Net loans and leases to deposits | 59.4566% | 3,130 |
| Net loans and leases to core deposits | 60.5290% | 3,281 |
| Total domestic deposits to total assets | 83.1963% | 3,766 |
| Equity capital to assets | 9.6953% | 2,948 |
| Core capital (leverage) ratio | 9.9602% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2406% | 1,758 |
| Memoranda: | ||
| Average total assets | $106,523,800 | 3,926 |
| Average earning assets | $95,906,600 | 3,953 |
| Average equity | $11,078,600 | 4,028 |
| Average total loans | $53,749,600 | 3,935 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 1,674 |
| Cost of funding earning assets | 0.4653% | 1,246 |
| Net interest margin | 3.4688% | 1,959 |
| Noninterest income to average assets | 0.2906% | 3,713 |
| Noninterest expense to average assets | 1.9761% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4416% | 1,418 |
| Return on assets (ROA) | 1.4416% | 1,480 |
| Pretax return on assets | 1.4416% | 2,179 |
| Return on Equity (ROE) | 13.6201% | 1,508 |
| Retained earnings to average equity (ytd only) | 13.6201% | 552 |
| Net charge-offs to loans | 0.0151% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 190.1667% | 573 |
| Efficiency ratio | 57.8189% | 3,294 |
| Assets per employee ($millions) | 7.4265% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1526% | 135 |
| Loan loss allowance to noncurrent loans | 1,466.6667% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 3,358 |
| Noncurrent loans to loans | 0.2149% | 3,092 |
| Net loans and leases to total assets | 50.7026% | 3,320 |
| Net loans and leases to deposits | 61.9569% | 3,044 |
| Net loans and leases to core deposits | 63.1602% | 3,208 |
| Total domestic deposits to total assets | 81.8353% | 3,954 |
| Equity capital to assets | 11.3859% | 1,750 |
| Core capital (leverage) ratio | 10.6963% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6739% | 1,197 |
| Memoranda: | ||
| Average total assets | $105,525,500 | 3,989 |
| Average earning assets | $95,132,250 | 4,012 |
| Average equity | $11,169,500 | 4,071 |
| Average total loans | $53,092,000 | 3,996 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 1,916 |
| Cost of funding earning assets | 0.4798% | 1,329 |
| Net interest margin | 3.3814% | 2,199 |
| Noninterest income to average assets | 0.2263% | 4,044 |
| Noninterest expense to average assets | 1.9577% | 3,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3127% | 1,826 |
| Return on assets (ROA) | 1.3127% | 1,898 |
| Pretax return on assets | 1.3127% | 2,596 |
| Return on Equity (ROE) | 12.7162% | 1,818 |
| Retained earnings to average equity (ytd only) | 12.7162% | 773 |
| Net charge-offs to loans | -0.0038% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8616% | 3,032 |
| Assets per employee ($millions) | 7.3413% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2179% | 124 |
| Loan loss allowance to noncurrent loans | 1,221.9858% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 3,383 |
| Noncurrent loans to loans | 0.2633% | 2,996 |
| Net loans and leases to total assets | 47.0596% | 3,821 |
| Net loans and leases to deposits | 56.4904% | 3,681 |
| Net loans and leases to core deposits | 57.5008% | 3,797 |
| Total domestic deposits to total assets | 83.3055% | 3,640 |
| Equity capital to assets | 10.2179% | 2,651 |
| Core capital (leverage) ratio | 10.0659% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8354% | 1,378 |
| Memoranda: | ||
| Average total assets | $106,043,667 | 4,000 |
| Average earning assets | $95,464,000 | 4,029 |
| Average equity | $10,946,667 | 4,103 |
| Average total loans | $52,645,333 | 4,029 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 2,740 |
| Cost of funding earning assets | 0.5089% | 1,336 |
| Net interest margin | 3.0578% | 3,111 |
| Noninterest income to average assets | 0.2769% | 3,742 |
| Noninterest expense to average assets | 2.0114% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0153% | 2,765 |
| Return on assets (ROA) | 1.0153% | 2,849 |
| Pretax return on assets | 1.0153% | 3,329 |
| Return on Equity (ROE) | 9.7832% | 2,760 |
| Retained earnings to average equity (ytd only) | 9.7832% | 1,716 |
| Net charge-offs to loans | -0.0077% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4549% | 2,163 |
| Assets per employee ($millions) | 7.1383% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3442% | 112 |
| Loan loss allowance to noncurrent loans | 897.3958% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 3,276 |
| Noncurrent loans to loans | 0.3727% | 2,755 |
| Net loans and leases to total assets | 46.5085% | 3,925 |
| Net loans and leases to deposits | 56.5981% | 3,749 |
| Net loans and leases to core deposits | 57.6477% | 3,863 |
| Total domestic deposits to total assets | 82.1732% | 3,861 |
| Equity capital to assets | 10.0276% | 2,682 |
| Core capital (leverage) ratio | 10.1623% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3133% | 1,474 |
| Memoranda: | ||
| Average total assets | $104,005,500 | 4,028 |
| Average earning assets | $93,531,000 | 4,057 |
| Average equity | $10,794,000 | 4,132 |
| Average total loans | $52,195,500 | 4,051 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 1,602 |
| Cost of funding earning assets | 0.7167% | 1,638 |
| Net interest margin | 3.6797% | 1,870 |
| Noninterest income to average assets | 0.3381% | 3,438 |
| Noninterest expense to average assets | 2.3313% | 3,324 |
| Loan and lease loss provision to assets | 0.1926% | 2,028 |
| Net operating income to assets | 1.2143% | 1,506 |
| Return on assets (ROA) | 1.2143% | 1,616 |
| Pretax return on assets | 1.2143% | 2,280 |
| Return on Equity (ROE) | 10.4044% | 1,842 |
| Retained earnings to average equity (ytd only) | 0.7792% | 4,299 |
| Net charge-offs to loans | 0.2061% | 845 |
| Credit loss provision to net charge-offs | 150.0000% | 2,424 |
| Earnings coverage of net charge-offs (x) | 10.9583% | 2,426 |
| Efficiency ratio | 62.3641% | 3,063 |
| Assets per employee ($millions) | 6.7291% | 1,761 |
| Cash dividends to net income (ytd only)* | 92.5110% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2571% | 117 |
| Loan loss allowance to noncurrent loans | 865.3266% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 3,296 |
| Noncurrent loans to loans | 0.3764% | 2,855 |
| Net loans and leases to total assets | 50.6727% | 3,772 |
| Net loans and leases to deposits | 62.6471% | 3,556 |
| Net loans and leases to core deposits | 64.1245% | 3,681 |
| Total domestic deposits to total assets | 80.8859% | 3,894 |
| Equity capital to assets | 10.7504% | 2,478 |
| Core capital (leverage) ratio | 10.3727% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3223% | 1,437 |
| Memoranda: | ||
| Average total assets | $93,466,800 | 4,072 |
| Average earning assets | $86,365,800 | 4,070 |
| Average equity | $10,908,800 | 4,092 |
| Average total loans | $58,235,800 | 3,950 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 1,385 |
| Cost of funding earning assets | 0.7594% | 1,680 |
| Net interest margin | 3.8140% | 1,579 |
| Noninterest income to average assets | 0.3421% | 3,424 |
| Noninterest expense to average assets | 2.2285% | 3,611 |
| Loan and lease loss provision to assets | 0.2620% | 1,551 |
| Net operating income to assets | 1.4119% | 1,073 |
| Return on assets (ROA) | 1.4119% | 1,164 |
| Pretax return on assets | 1.4119% | 1,686 |
| Return on Equity (ROE) | 11.8399% | 1,421 |
| Retained earnings to average equity (ytd only) | 11.8399% | 451 |
| Net charge-offs to loans | 0.2708% | 576 |
| Credit loss provision to net charge-offs | 148.7603% | 2,334 |
| Earnings coverage of net charge-offs (x) | 9.5041% | 2,422 |
| Efficiency ratio | 57.1056% | 3,782 |
| Assets per employee ($millions) | 6.4736% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9657% | 143 |
| Loan loss allowance to noncurrent loans | 860.5000% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 3,407 |
| Noncurrent loans to loans | 0.3446% | 3,050 |
| Net loans and leases to total assets | 57.9883% | 3,416 |
| Net loans and leases to deposits | 72.4474% | 3,091 |
| Net loans and leases to core deposits | 74.2324% | 3,305 |
| Total domestic deposits to total assets | 80.0420% | 3,855 |
| Equity capital to assets | 12.0345% | 1,654 |
| Core capital (leverage) ratio | 11.4481% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7479% | 1,314 |
| Memoranda: | ||
| Average total assets | $91,599,500 | 4,106 |
| Average earning assets | $85,507,000 | 4,093 |
| Average equity | $10,923,250 | 4,093 |
| Average total loans | $59,577,500 | 3,944 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 1,485 |
| Cost of funding earning assets | 0.7999% | 1,826 |
| Net interest margin | 3.8663% | 1,651 |
| Noninterest income to average assets | 0.2785% | 3,804 |
| Noninterest expense to average assets | 2.2704% | 3,600 |
| Loan and lease loss provision to assets | 0.2674% | 1,598 |
| Net operating income to assets | 1.3591% | 1,208 |
| Return on assets (ROA) | 1.3591% | 1,296 |
| Pretax return on assets | 1.3591% | 1,840 |
| Return on Equity (ROE) | 11.4350% | 1,499 |
| Retained earnings to average equity (ytd only) | 11.4350% | 547 |
| Net charge-offs to loans | 0.4027% | 391 |
| Credit loss provision to net charge-offs | 99.1736% | 2,418 |
| Earnings coverage of net charge-offs (x) | 6.0331% | 2,468 |
| Efficiency ratio | 58.2619% | 3,660 |
| Assets per employee ($millions) | 6.5365% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6222% | 194 |
| Loan loss allowance to noncurrent loans | 582.8070% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 3,154 |
| Noncurrent loans to loans | 0.4499% | 2,803 |
| Net loans and leases to total assets | 62.9110% | 3,019 |
| Net loans and leases to deposits | 78.1817% | 2,632 |
| Net loans and leases to core deposits | 80.0672% | 2,941 |
| Total domestic deposits to total assets | 80.4677% | 3,735 |
| Equity capital to assets | 11.5617% | 1,930 |
| Core capital (leverage) ratio | 11.5658% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2396% | 1,716 |
| Memoranda: | ||
| Average total assets | $89,764,667 | 4,133 |
| Average earning assets | $84,007,000 | 4,110 |
| Average equity | $10,669,000 | 4,142 |
| Average total loans | $60,093,333 | 3,944 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 1,347 |
| Cost of funding earning assets | 0.8510% | 2,110 |
| Net interest margin | 3.9796% | 1,443 |
| Noninterest income to average assets | 0.3597% | 3,367 |
| Noninterest expense to average assets | 2.3732% | 3,597 |
| Loan and lease loss provision to assets | 0.2803% | 1,109 |
| Net operating income to assets | 1.4202% | 942 |
| Return on assets (ROA) | 1.4202% | 1,014 |
| Pretax return on assets | 1.4202% | 1,507 |
| Return on Equity (ROE) | 11.7653% | 1,174 |
| Retained earnings to average equity (ytd only) | 11.7653% | 449 |
| Net charge-offs to loans | -0.0274% | 4,434 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2569% | 3,964 |
| Assets per employee ($millions) | 5.7512% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9360% | 158 |
| Loan loss allowance to noncurrent loans | 217.3804% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 1,450 |
| Noncurrent loans to loans | 1.3506% | 1,193 |
| Net loans and leases to total assets | 66.1439% | 2,802 |
| Net loans and leases to deposits | 79.5286% | 2,724 |
| Net loans and leases to core deposits | 81.6300% | 3,047 |
| Total domestic deposits to total assets | 83.1699% | 3,055 |
| Equity capital to assets | 11.9952% | 2,076 |
| Core capital (leverage) ratio | 12.2662% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6698% | 1,696 |
| Memoranda: | ||
| Average total assets | $85,623,000 | 4,191 |
| Average earning assets | $79,908,000 | 4,171 |
| Average equity | $10,335,500 | 4,203 |
| Average total loans | $58,468,000 | 3,981 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 1,125 |
| Cost of funding earning assets | 0.8559% | 2,398 |
| Net interest margin | 4.2870% | 1,119 |
| Noninterest income to average assets | 0.3717% | 3,475 |
| Noninterest expense to average assets | 2.4161% | 3,641 |
| Loan and lease loss provision to assets | 0.3117% | 521 |
| Net operating income to assets | 1.6508% | 737 |
| Return on assets (ROA) | 1.6508% | 786 |
| Pretax return on assets | 1.6508% | 1,336 |
| Return on Equity (ROE) | 13.6287% | 978 |
| Retained earnings to average equity (ytd only) | 1.2390% | 4,299 |
| Net charge-offs to loans | 0.6296% | 290 |
| Credit loss provision to net charge-offs | 70.4961% | 2,907 |
| Earnings coverage of net charge-offs (x) | 4.4386% | 3,216 |
| Efficiency ratio | 55.1806% | 4,303 |
| Assets per employee ($millions) | 5.6652% | 1,906 |
| Cash dividends to net income (ytd only)* | 90.9091% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8582% | 145 |
| Loan loss allowance to noncurrent loans | 425.0639% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 2,564 |
| Noncurrent loans to loans | 0.6724% | 2,202 |
| Net loans and leases to total assets | 66.4725% | 2,898 |
| Net loans and leases to deposits | 80.2270% | 2,755 |
| Net loans and leases to core deposits | 82.3750% | 3,089 |
| Total domestic deposits to total assets | 82.8556% | 3,246 |
| Equity capital to assets | 12.1479% | 2,043 |
| Core capital (leverage) ratio | 12.0338% | 1,753 |
| Tier 1 risk-based capital ratio | 14.5510% | 2,993 |
| Total risk-based capital ratio | 15.8147% | 2,889 |
| Memoranda: | ||
| Average total assets | $86,626,600 | 4,193 |
| Average earning assets | $80,964,800 | 4,166 |
| Average equity | $10,492,600 | 4,175 |
| Average total loans | $60,835,600 | 3,970 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 1,127 |
| Cost of funding earning assets | 0.8519% | 2,459 |
| Net interest margin | 4.3084% | 1,148 |
| Noninterest income to average assets | 0.3676% | 3,511 |
| Noninterest expense to average assets | 2.2779% | 4,013 |
| Loan and lease loss provision to assets | 0.2757% | 561 |
| Net operating income to assets | 1.8428% | 565 |
| Return on assets (ROA) | 1.8428% | 591 |
| Pretax return on assets | 1.8428% | 994 |
| Return on Equity (ROE) | 15.2251% | 728 |
| Retained earnings to average equity (ytd only) | 15.2251% | 135 |
| Net charge-offs to loans | 0.8151% | 193 |
| Credit loss provision to net charge-offs | 47.8723% | 2,807 |
| Earnings coverage of net charge-offs (x) | 3.6782% | 3,082 |
| Efficiency ratio | 51.8118% | 4,608 |
| Assets per employee ($millions) | 5.7711% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4925% | 221 |
| Loan loss allowance to noncurrent loans | 472.7545% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 2,970 |
| Noncurrent loans to loans | 0.5272% | 2,706 |
| Net loans and leases to total assets | 71.3551% | 2,272 |
| Net loans and leases to deposits | 88.3021% | 1,893 |
| Net loans and leases to core deposits | 90.6676% | 2,494 |
| Total domestic deposits to total assets | 80.8079% | 3,803 |
| Equity capital to assets | 13.0073% | 1,621 |
| Core capital (leverage) ratio | 12.8517% | 1,405 |
| Tier 1 risk-based capital ratio | 16.1600% | 2,369 |
| Total risk-based capital ratio | 17.4217% | 2,303 |
| Memoranda: | ||
| Average total assets | $87,038,750 | 4,239 |
| Average earning assets | $81,389,000 | 4,212 |
| Average equity | $10,535,000 | 4,224 |
| Average total loans | $61,507,250 | 3,999 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 1,078 |
| Cost of funding earning assets | 0.8155% | 2,571 |
| Net interest margin | 4.3446% | 1,054 |
| Noninterest income to average assets | 0.3074% | 3,873 |
| Noninterest expense to average assets | 2.2685% | 4,089 |
| Loan and lease loss provision to assets | 0.2064% | 821 |
| Net operating income to assets | 1.8648% | 524 |
| Return on assets (ROA) | 1.8648% | 549 |
| Pretax return on assets | 1.8648% | 902 |
| Return on Equity (ROE) | 15.7966% | 625 |
| Retained earnings to average equity (ytd only) | 15.7966% | 136 |
| Net charge-offs to loans | 1.0313% | 135 |
| Credit loss provision to net charge-offs | 28.6624% | 2,606 |
| Earnings coverage of net charge-offs (x) | 2.8758% | 2,899 |
| Efficiency ratio | 52.2727% | 4,634 |
| Assets per employee ($millions) | 5.8783% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4521% | 236 |
| Loan loss allowance to noncurrent loans | 106.8918% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6456% | 647 |
| Noncurrent loans to loans | 2.2940% | 571 |
| Net loans and leases to total assets | 69.9768% | 2,533 |
| Net loans and leases to deposits | 85.3593% | 2,328 |
| Net loans and leases to core deposits | 87.5566% | 2,846 |
| Total domestic deposits to total assets | 81.9790% | 3,514 |
| Equity capital to assets | 12.3039% | 1,982 |
| Core capital (leverage) ratio | 12.7144% | 1,435 |
| Tier 1 risk-based capital ratio | 14.6663% | 2,986 |
| Total risk-based capital ratio | 15.9261% | 2,908 |
| Memoranda: | ||
| Average total assets | $87,196,000 | 4,264 |
| Average earning assets | $80,928,330 | 4,251 |
| Average equity | $10,293,330 | 4,262 |
| Average total loans | $60,893,330 | 4,032 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3504% | 694 |
| Cost of funding earning assets | 0.7864% | 2,616 |
| Net interest margin | 4.5640% | 657 |
| Noninterest income to average assets | 0.3506% | 3,513 |
| Noninterest expense to average assets | 2.1221% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4589% | 174 |
| Return on assets (ROA) | 2.4589% | 183 |
| Pretax return on assets | 2.4589% | 267 |
| Return on Equity (ROE) | 21.2870% | 199 |
| Retained earnings to average equity (ytd only) | 21.2870% | 81 |
| Net charge-offs to loans | -0.3416% | 5,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3243% | 5,011 |
| Assets per employee ($millions) | 6.2275% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1036% | 121 |
| Loan loss allowance to noncurrent loans | 296.9106% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7054% | 1,992 |
| Noncurrent loans to loans | 1.0453% | 1,596 |
| Net loans and leases to total assets | 65.3874% | 3,127 |
| Net loans and leases to deposits | 78.9814% | 2,950 |
| Net loans and leases to core deposits | 81.3180% | 3,240 |
| Total domestic deposits to total assets | 82.7883% | 3,467 |
| Equity capital to assets | 11.8770% | 2,103 |
| Core capital (leverage) ratio | 12.3325% | 1,588 |
| Tier 1 risk-based capital ratio | 14.8832% | 2,926 |
| Total risk-based capital ratio | 16.1492% | 2,850 |
| Memoranda: | ||
| Average total assets | $86,706,500 | 4,316 |
| Average earning assets | $80,367,500 | 4,300 |
| Average equity | $10,015,500 | 4,328 |
| Average total loans | $59,713,500 | 4,095 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6953% | 1,837 |
| Cost of funding earning assets | 0.7056% | 2,058 |
| Net interest margin | 3.9898% | 2,016 |
| Noninterest income to average assets | 0.3736% | 3,593 |
| Noninterest expense to average assets | 2.2115% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8928% | 455 |
| Return on assets (ROA) | 1.8704% | 474 |
| Pretax return on assets | 1.8704% | 767 |
| Return on Equity (ROE) | 16.8251% | 511 |
| Retained earnings to average equity (ytd only) | 3.7042% | 3,539 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8819% | 4,630 |
| Assets per employee ($millions) | 6.6329% | 1,152 |
| Cash dividends to net income (ytd only)* | 77.9844% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9294% | 143 |
| Loan loss allowance to noncurrent loans | 96.7302% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.1281% | 432 |
| Noncurrent loans to loans | 3.0284% | 333 |
| Net loans and leases to total assets | 68.2122% | 2,853 |
| Net loans and leases to deposits | 81.8782% | 2,750 |
| Net loans and leases to core deposits | 83.4393% | 3,137 |
| Total domestic deposits to total assets | 83.3094% | 3,223 |
| Equity capital to assets | 11.2214% | 2,497 |
| Core capital (leverage) ratio | 11.8044% | 1,869 |
| Tier 1 risk-based capital ratio | 14.2501% | 3,184 |
| Total risk-based capital ratio | 15.5161% | 3,097 |
| Memoranda: | ||
| Average total assets | $89,126,800 | 4,287 |
| Average earning assets | $83,338,200 | 4,262 |
| Average equity | $9,907,800 | 4,314 |
| Average total loans | $60,430,400 | 4,081 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,787 |
| Cost of funding earning assets | 0.6887% | 1,915 |
| Net interest margin | 3.9739% | 2,033 |
| Noninterest income to average assets | 0.3502% | 3,793 |
| Noninterest expense to average assets | 2.0775% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9973% | 380 |
| Return on assets (ROA) | 1.9676% | 409 |
| Pretax return on assets | 1.9676% | 678 |
| Return on Equity (ROE) | 17.7404% | 458 |
| Retained earnings to average equity (ytd only) | 17.7404% | 89 |
| Net charge-offs to loans | -0.0464% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9832% | 4,880 |
| Assets per employee ($millions) | 6.7333% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9957% | 142 |
| Loan loss allowance to noncurrent loans | 96.6111% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.1238% | 488 |
| Noncurrent loans to loans | 3.1008% | 341 |
| Net loans and leases to total assets | 66.4401% | 3,132 |
| Net loans and leases to deposits | 82.5168% | 2,762 |
| Net loans and leases to core deposits | 84.7239% | 3,098 |
| Total domestic deposits to total assets | 80.5171% | 3,990 |
| Equity capital to assets | 11.9075% | 1,962 |
| Core capital (leverage) ratio | 12.3019% | 1,610 |
| Tier 1 risk-based capital ratio | 16.5072% | 2,270 |
| Total risk-based capital ratio | 17.7755% | 2,205 |
| Memoranda: | ||
| Average total assets | $89,851,500 | 4,313 |
| Average earning assets | $84,214,250 | 4,294 |
| Average equity | $9,965,750 | 4,341 |
| Average total loans | $60,389,750 | 4,125 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 1,567 |
| Cost of funding earning assets | 0.6447% | 1,961 |
| Net interest margin | 4.0308% | 1,758 |
| Noninterest income to average assets | 0.2891% | 4,251 |
| Noninterest expense to average assets | 2.0701% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9995% | 381 |
| Return on assets (ROA) | 1.9995% | 378 |
| Pretax return on assets | 1.9995% | 604 |
| Return on Equity (ROE) | 18.4647% | 379 |
| Retained earnings to average equity (ytd only) | 18.4647% | 90 |
| Net charge-offs to loans | -0.0826% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8677% | 4,971 |
| Assets per employee ($millions) | 7.0196% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8152% | 178 |
| Loan loss allowance to noncurrent loans | 180.7229% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 1,354 |
| Noncurrent loans to loans | 1.5578% | 1,057 |
| Net loans and leases to total assets | 68.0927% | 2,852 |
| Net loans and leases to deposits | 83.4538% | 2,594 |
| Net loans and leases to core deposits | 85.5554% | 2,961 |
| Total domestic deposits to total assets | 81.5933% | 3,845 |
| Equity capital to assets | 11.0690% | 2,569 |
| Core capital (leverage) ratio | 11.9309% | 1,763 |
| Tier 1 risk-based capital ratio | 14.8296% | 2,958 |
| Total risk-based capital ratio | 16.0945% | 2,876 |
| Memoranda: | ||
| Average total assets | $90,624,330 | 4,340 |
| Average earning assets | $84,996,330 | 4,319 |
| Average equity | $9,813,330 | 4,406 |
| Average total loans | $60,535,330 | 4,154 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 1,395 |
| Cost of funding earning assets | 0.6530% | 1,705 |
| Net interest margin | 4.0126% | 1,689 |
| Noninterest income to average assets | 0.2968% | 4,177 |
| Noninterest expense to average assets | 2.1172% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9356% | 424 |
| Return on assets (ROA) | 1.9356% | 424 |
| Pretax return on assets | 1.9356% | 667 |
| Return on Equity (ROE) | 18.0775% | 401 |
| Retained earnings to average equity (ytd only) | 18.0775% | 151 |
| Net charge-offs to loans | -0.1564% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2404% | 4,945 |
| Assets per employee ($millions) | 6.9252% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0869% | 142 |
| Loan loss allowance to noncurrent loans | 277.4691% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 2,163 |
| Noncurrent loans to loans | 1.1125% | 1,648 |
| Net loans and leases to total assets | 62.7005% | 3,463 |
| Net loans and leases to deposits | 74.6469% | 3,348 |
| Net loans and leases to core deposits | 76.4909% | 3,624 |
| Total domestic deposits to total assets | 83.9961% | 3,331 |
| Equity capital to assets | 10.8133% | 2,758 |
| Core capital (leverage) ratio | 11.1414% | 2,293 |
| Tier 1 risk-based capital ratio | 13.8890% | 3,436 |
| Total risk-based capital ratio | 15.1541% | 3,347 |
| Memoranda: | ||
| Average total assets | $90,309,000 | 4,390 |
| Average earning assets | $84,533,000 | 4,367 |
| Average equity | $9,669,500 | 4,471 |
| Average total loans | $58,834,000 | 4,227 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 1,721 |
| Cost of funding earning assets | 0.7076% | 984 |
| Net interest margin | 3.7865% | 2,474 |
| Noninterest income to average assets | 0.4630% | 3,230 |
| Noninterest expense to average assets | 2.2553% | 4,429 |
| Loan and lease loss provision to assets | 0.3913% | 379 |
| Net operating income to assets | 1.2771% | 1,282 |
| Return on assets (ROA) | 1.2880% | 1,278 |
| Pretax return on assets | 1.2880% | 2,399 |
| Return on Equity (ROE) | 12.0849% | 1,185 |
| Retained earnings to average equity (ytd only) | 1.8867% | 4,183 |
| Net charge-offs to loans | 0.3055% | 841 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 8.5278% | 2,901 |
| Efficiency ratio | 57.4792% | 4,592 |
| Assets per employee ($millions) | 6.4707% | 1,221 |
| Cash dividends to net income (ytd only)* | 84.3882% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9871% | 141 |
| Loan loss allowance to noncurrent loans | 246.5278% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 1,962 |
| Noncurrent loans to loans | 1.2117% | 1,462 |
| Net loans and leases to total assets | 63.6351% | 3,405 |
| Net loans and leases to deposits | 78.5596% | 3,058 |
| Net loans and leases to core deposits | 80.5531% | 3,376 |
| Total domestic deposits to total assets | 81.0023% | 4,120 |
| Equity capital to assets | 10.6016% | 3,051 |
| Core capital (leverage) ratio | 10.6444% | 2,702 |
| Tier 1 risk-based capital ratio | 13.8749% | 3,435 |
| Total risk-based capital ratio | 15.1399% | 3,332 |
| Memoranda: | ||
| Average total assets | $92,005,200 | 4,390 |
| Average earning assets | $84,087,600 | 4,401 |
| Average equity | $9,805,600 | 4,484 |
| Average total loans | $58,925,200 | 4,224 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 1,727 |
| Cost of funding earning assets | 0.7042% | 945 |
| Net interest margin | 3.7650% | 2,522 |
| Noninterest income to average assets | 0.4389% | 3,409 |
| Noninterest expense to average assets | 2.1481% | 4,638 |
| Loan and lease loss provision to assets | 0.5197% | 216 |
| Net operating income to assets | 1.1982% | 1,701 |
| Return on assets (ROA) | 1.2126% | 1,672 |
| Pretax return on assets | 1.2126% | 2,847 |
| Return on Equity (ROE) | 11.3633% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.3633% | 359 |
| Net charge-offs to loans | 0.4059% | 519 |
| Credit loss provision to net charge-offs | 201.1173% | 1,337 |
| Earnings coverage of net charge-offs (x) | 6.6481% | 2,965 |
| Efficiency ratio | 55.5639% | 4,786 |
| Assets per employee ($millions) | 6.5264% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9031% | 174 |
| Loan loss allowance to noncurrent loans | 103.2558% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.8825% | 716 |
| Noncurrent loans to loans | 2.8115% | 486 |
| Net loans and leases to total assets | 65.0122% | 3,243 |
| Net loans and leases to deposits | 81.5858% | 2,821 |
| Net loans and leases to core deposits | 83.6646% | 3,158 |
| Total domestic deposits to total assets | 79.6857% | 4,396 |
| Equity capital to assets | 11.3551% | 2,519 |
| Core capital (leverage) ratio | 11.2787% | 2,200 |
| Tier 1 risk-based capital ratio | 14.3418% | 3,270 |
| Total risk-based capital ratio | 15.6070% | 3,174 |
| Memoranda: | ||
| Average total assets | $92,359,000 | 4,423 |
| Average earning assets | $84,071,500 | 4,437 |
| Average equity | $9,856,000 | 4,522 |
| Average total loans | $58,801,000 | 4,273 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 1,896 |
| Cost of funding earning assets | 0.6912% | 937 |
| Net interest margin | 3.6840% | 2,707 |
| Noninterest income to average assets | 0.3711% | 3,901 |
| Noninterest expense to average assets | 2.1664% | 4,634 |
| Loan and lease loss provision to assets | 0.5179% | 222 |
| Net operating income to assets | 1.0336% | 2,282 |
| Return on assets (ROA) | 1.0551% | 2,225 |
| Pretax return on assets | 1.0551% | 3,356 |
| Return on Equity (ROE) | 10.1002% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.1002% | 563 |
| Net charge-offs to loans | 0.6240% | 319 |
| Credit loss provision to net charge-offs | 132.5967% | 1,658 |
| Earnings coverage of net charge-offs (x) | 3.9724% | 2,988 |
| Efficiency ratio | 58.2705% | 4,558 |
| Assets per employee ($millions) | 6.2200% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7094% | 218 |
| Loan loss allowance to noncurrent loans | 328.1746% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 2,965 |
| Noncurrent loans to loans | 0.8256% | 2,335 |
| Net loans and leases to total assets | 63.6570% | 3,439 |
| Net loans and leases to deposits | 77.5494% | 3,158 |
| Net loans and leases to core deposits | 80.0615% | 3,416 |
| Total domestic deposits to total assets | 82.0857% | 3,858 |
| Equity capital to assets | 10.8049% | 3,031 |
| Core capital (leverage) ratio | 10.6801% | 2,726 |
| Tier 1 risk-based capital ratio | 13.5620% | 3,665 |
| Total risk-based capital ratio | 14.8231% | 3,572 |
| Memoranda: | ||
| Average total assets | $92,689,000 | 4,447 |
| Average earning assets | $84,201,670 | 4,460 |
| Average equity | $9,683,000 | 4,566 |
| Average total loans | $58,009,000 | 4,314 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 1,832 |
| Cost of funding earning assets | 0.6792% | 933 |
| Net interest margin | 3.6660% | 2,625 |
| Noninterest income to average assets | 0.3940% | 3,710 |
| Noninterest expense to average assets | 2.0999% | 4,850 |
| Loan and lease loss provision to assets | 0.5196% | 192 |
| Net operating income to assets | 1.0695% | 1,990 |
| Return on assets (ROA) | 1.1128% | 1,859 |
| Pretax return on assets | 1.1128% | 2,930 |
| Return on Equity (ROE) | 10.8393% | 1,621 |
| Retained earnings to average equity (ytd only) | 10.8393% | 634 |
| Net charge-offs to loans | 0.0142% | 2,517 |
| Credit loss provision to net charge-offs | 6,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 183.5000% | 311 |
| Efficiency ratio | 56.9249% | 4,843 |
| Assets per employee ($millions) | 6.3622% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0117% | 171 |
| Loan loss allowance to noncurrent loans | 408.8305% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 3,437 |
| Noncurrent loans to loans | 0.7367% | 2,652 |
| Net loans and leases to total assets | 57.8060% | 3,994 |
| Net loans and leases to deposits | 70.5565% | 3,738 |
| Net loans and leases to core deposits | 72.7899% | 3,930 |
| Total domestic deposits to total assets | 81.9287% | 4,183 |
| Equity capital to assets | 10.1045% | 3,615 |
| Core capital (leverage) ratio | 10.5443% | 2,848 |
| Tier 1 risk-based capital ratio | 13.8625% | 3,569 |
| Total risk-based capital ratio | 15.1270% | 3,470 |
| Memoranda: | ||
| Average total assets | $92,383,500 | 4,495 |
| Average earning assets | $83,034,000 | 4,525 |
| Average equity | $9,484,000 | 4,627 |
| Average total loans | $56,490,500 | 4,388 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,143 |
| Cost of funding earning assets | 0.6725% | 941 |
| Net interest margin | 3.9871% | 1,666 |
| Noninterest income to average assets | 0.4803% | 3,347 |
| Noninterest expense to average assets | 2.2660% | 4,620 |
| Loan and lease loss provision to assets | 0.3877% | 410 |
| Net operating income to assets | 1.4152% | 980 |
| Return on assets (ROA) | 1.4356% | 968 |
| Pretax return on assets | 1.4356% | 1,798 |
| Return on Equity (ROE) | 13.5777% | 852 |
| Retained earnings to average equity (ytd only) | 3.3919% | 3,509 |
| Net charge-offs to loans | -0.0830% | 5,530 |
| Credit loss provision to net charge-offs | -720.0000% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6908% | 5,090 |
| Assets per employee ($millions) | 5.9556% | 1,513 |
| Cash dividends to net income (ytd only)* | 75.0188% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8430% | 211 |
| Loan loss allowance to noncurrent loans | 286.8705% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 2,864 |
| Noncurrent loans to loans | 0.9911% | 2,111 |
| Net loans and leases to total assets | 61.0148% | 3,726 |
| Net loans and leases to deposits | 75.2194% | 3,391 |
| Net loans and leases to core deposits | 77.1333% | 3,644 |
| Total domestic deposits to total assets | 81.1158% | 4,308 |
| Equity capital to assets | 10.4384% | 3,224 |
| Core capital (leverage) ratio | 10.3889% | 3,006 |
| Tier 1 risk-based capital ratio | 13.9436% | 3,495 |
| Total risk-based capital ratio | 15.2073% | 3,404 |
| Memoranda: | ||
| Average total assets | $92,852,000 | 4,495 |
| Average earning assets | $83,568,800 | 4,526 |
| Average equity | $9,817,600 | 4,613 |
| Average total loans | $60,221,200 | 4,290 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 1,226 |
| Cost of funding earning assets | 0.6654% | 975 |
| Net interest margin | 3.9700% | 1,745 |
| Noninterest income to average assets | 0.3969% | 3,946 |
| Noninterest expense to average assets | 2.1109% | 4,991 |
| Loan and lease loss provision to assets | 0.3414% | 471 |
| Net operating income to assets | 1.5092% | 863 |
| Return on assets (ROA) | 1.5363% | 866 |
| Pretax return on assets | 1.5363% | 1,589 |
| Return on Equity (ROE) | 14.4854% | 744 |
| Retained earnings to average equity (ytd only) | 14.4854% | 151 |
| Net charge-offs to loans | -0.0022% | 4,505 |
| Credit loss provision to net charge-offs | -24,000.0000% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2855% | 5,286 |
| Assets per employee ($millions) | 6.0785% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2565% | 466 |
| Loan loss allowance to noncurrent loans | 107.8669% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.4499% | 1,258 |
| Noncurrent loans to loans | 2.0920% | 921 |
| Net loans and leases to total assets | 67.7452% | 2,831 |
| Net loans and leases to deposits | 85.8616% | 2,277 |
| Net loans and leases to core deposits | 88.7038% | 2,688 |
| Total domestic deposits to total assets | 78.9004% | 4,745 |
| Equity capital to assets | 11.5479% | 2,473 |
| Core capital (leverage) ratio | 11.1108% | 2,346 |
| Tier 1 risk-based capital ratio | 13.7543% | 3,698 |
| Total risk-based capital ratio | 15.0120% | 3,617 |
| Memoranda: | ||
| Average total assets | $93,731,500 | 4,513 |
| Average earning assets | $84,163,250 | 4,551 |
| Average equity | $9,940,750 | 4,629 |
| Average total loans | $61,251,000 | 4,282 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 1,370 |
| Cost of funding earning assets | 0.6450% | 1,074 |
| Net interest margin | 3.9101% | 1,947 |
| Noninterest income to average assets | 0.3912% | 3,937 |
| Noninterest expense to average assets | 2.0659% | 5,130 |
| Loan and lease loss provision to assets | 0.2537% | 757 |
| Net operating income to assets | 1.5711% | 772 |
| Return on assets (ROA) | 1.6113% | 746 |
| Pretax return on assets | 1.6113% | 1,342 |
| Return on Equity (ROE) | 15.6393% | 588 |
| Retained earnings to average equity (ytd only) | 15.6393% | 126 |
| Net charge-offs to loans | -0.0099% | 4,692 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0978% | 5,380 |
| Assets per employee ($millions) | 6.2235% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0336% | 695 |
| Loan loss allowance to noncurrent loans | 62.7037% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.2346% | 676 |
| Noncurrent loans to loans | 3.2432% | 435 |
| Net loans and leases to total assets | 67.4983% | 2,867 |
| Net loans and leases to deposits | 83.5823% | 2,517 |
| Net loans and leases to core deposits | 86.2810% | 2,873 |
| Total domestic deposits to total assets | 80.7567% | 4,340 |
| Equity capital to assets | 10.9285% | 3,137 |
| Core capital (leverage) ratio | 10.5229% | 2,946 |
| Tier 1 risk-based capital ratio | 12.9247% | 4,245 |
| Total risk-based capital ratio | 14.1790% | 4,157 |
| Memoranda: | ||
| Average total assets | $94,583,000 | 4,523 |
| Average earning assets | $84,653,000 | 4,571 |
| Average equity | $9,744,670 | 4,696 |
| Average total loans | $60,603,330 | 4,323 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 1,513 |
| Cost of funding earning assets | 0.6262% | 1,173 |
| Net interest margin | 3.8712% | 2,029 |
| Noninterest income to average assets | 0.3950% | 3,869 |
| Noninterest expense to average assets | 2.0378% | 5,249 |
| Loan and lease loss provision to assets | 0.2521% | 695 |
| Net operating income to assets | 1.5336% | 798 |
| Return on assets (ROA) | 1.5336% | 842 |
| Pretax return on assets | 1.5336% | 1,492 |
| Return on Equity (ROE) | 15.3426% | 622 |
| Retained earnings to average equity (ytd only) | 15.3426% | 229 |
| Net charge-offs to loans | -0.0204% | 4,871 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2967% | 5,438 |
| Assets per employee ($millions) | 6.4706% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0926% | 692 |
| Loan loss allowance to noncurrent loans | 93.4831% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.3755% | 1,528 |
| Noncurrent loans to loans | 2.2385% | 907 |
| Net loans and leases to total assets | 60.1593% | 3,751 |
| Net loans and leases to deposits | 73.3782% | 3,515 |
| Net loans and leases to core deposits | 75.6161% | 3,716 |
| Total domestic deposits to total assets | 81.9852% | 4,232 |
| Equity capital to assets | 10.0393% | 4,031 |
| Core capital (leverage) ratio | 10.2143% | 3,299 |
| Tier 1 risk-based capital ratio | 12.5686% | 4,537 |
| Total risk-based capital ratio | 13.8231% | 4,448 |
| Memoranda: | ||
| Average total assets | $95,198,500 | 4,551 |
| Average earning assets | $84,314,500 | 4,612 |
| Average equity | $9,516,000 | 4,759 |
| Average total loans | $58,745,500 | 4,421 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 1,147 |
| Cost of funding earning assets | 0.6186% | 1,245 |
| Net interest margin | 4.0620% | 1,517 |
| Noninterest income to average assets | 0.4896% | 3,398 |
| Noninterest expense to average assets | 2.1810% | 5,085 |
| Loan and lease loss provision to assets | 0.1303% | 1,837 |
| Net operating income to assets | 1.8640% | 434 |
| Return on assets (ROA) | 1.8912% | 420 |
| Pretax return on assets | 1.8912% | 666 |
| Return on Equity (ROE) | 18.3480% | 358 |
| Retained earnings to average equity (ytd only) | 5.9721% | 1,811 |
| Net charge-offs to loans | 0.0101% | 4,114 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 306.1667% | 234 |
| Efficiency ratio | 52.2361% | 5,622 |
| Assets per employee ($millions) | 6.2225% | 1,245 |
| Cash dividends to net income (ytd only)* | 67.4512% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0483% | 744 |
| Loan loss allowance to noncurrent loans | 572.4638% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,698 |
| Noncurrent loans to loans | 0.3578% | 4,167 |
| Net loans and leases to total assets | 60.7127% | 3,738 |
| Net loans and leases to deposits | 75.3794% | 3,331 |
| Net loans and leases to core deposits | 77.2275% | 3,638 |
| Total domestic deposits to total assets | 80.5428% | 4,600 |
| Equity capital to assets | 9.9509% | 4,017 |
| Core capital (leverage) ratio | 9.9373% | 3,600 |
| Tier 1 risk-based capital ratio | 13.0233% | 4,293 |
| Total risk-based capital ratio | 14.2773% | 4,204 |
| Memoranda: | ||
| Average total assets | $92,113,000 | 4,624 |
| Average earning assets | $83,579,800 | 4,644 |
| Average equity | $9,494,200 | 4,750 |
| Average total loans | $59,256,400 | 4,394 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,188 |
| Cost of funding earning assets | 0.6079% | 1,359 |
| Net interest margin | 4.0501% | 1,561 |
| Noninterest income to average assets | 0.4865% | 3,472 |
| Noninterest expense to average assets | 2.0666% | 5,353 |
| Loan and lease loss provision to assets | 0.1307% | 1,720 |
| Net operating income to assets | 1.9853% | 372 |
| Return on assets (ROA) | 2.0216% | 371 |
| Pretax return on assets | 2.0216% | 576 |
| Return on Equity (ROE) | 19.4427% | 307 |
| Retained earnings to average equity (ytd only) | 19.4427% | 71 |
| Net charge-offs to loans | -0.0201% | 5,214 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4097% | 5,809 |
| Assets per employee ($millions) | 6.1649% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8793% | 1,118 |
| Loan loss allowance to noncurrent loans | 296.9543% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 4,071 |
| Noncurrent loans to loans | 0.6329% | 3,421 |
| Net loans and leases to total assets | 66.0575% | 3,003 |
| Net loans and leases to deposits | 84.2310% | 2,384 |
| Net loans and leases to core deposits | 86.8970% | 2,764 |
| Total domestic deposits to total assets | 78.4242% | 5,107 |
| Equity capital to assets | 11.0226% | 3,000 |
| Core capital (leverage) ratio | 10.8856% | 2,603 |
| Tier 1 risk-based capital ratio | 13.6970% | 4,024 |
| Total risk-based capital ratio | 14.9513% | 3,957 |
| Memoranda: | ||
| Average total assets | $91,806,750 | 4,684 |
| Average earning assets | $83,782,250 | 4,697 |
| Average equity | $9,545,750 | 4,796 |
| Average total loans | $59,607,250 | 4,434 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 1,267 |
| Cost of funding earning assets | 0.6091% | 1,350 |
| Net interest margin | 3.9978% | 1,642 |
| Noninterest income to average assets | 0.4193% | 3,930 |
| Noninterest expense to average assets | 2.0549% | 5,429 |
| Loan and lease loss provision to assets | 0.1310% | 1,685 |
| Net operating income to assets | 1.8737% | 448 |
| Return on assets (ROA) | 1.9283% | 434 |
| Pretax return on assets | 1.9283% | 696 |
| Return on Equity (ROE) | 18.9282% | 341 |
| Retained earnings to average equity (ytd only) | 18.9282% | 86 |
| Net charge-offs to loans | -0.0102% | 4,928 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6186% | 5,820 |
| Assets per employee ($millions) | 6.1211% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 1,269 |
| Loan loss allowance to noncurrent loans | 478.4810% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 4,836 |
| Noncurrent loans to loans | 0.3864% | 4,323 |
| Net loans and leases to total assets | 65.5724% | 3,024 |
| Net loans and leases to deposits | 78.3687% | 2,984 |
| Net loans and leases to core deposits | 81.0310% | 3,277 |
| Total domestic deposits to total assets | 83.6717% | 3,704 |
| Equity capital to assets | 10.5385% | 3,399 |
| Core capital (leverage) ratio | 10.1482% | 3,399 |
| Tier 1 risk-based capital ratio | 13.2392% | 4,384 |
| Total risk-based capital ratio | 14.4927% | 4,308 |
| Memoranda: | ||
| Average total assets | $91,584,330 | 4,737 |
| Average earning assets | $83,395,670 | 4,751 |
| Average equity | $9,330,000 | 4,870 |
| Average total loans | $58,724,330 | 4,497 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,689 |
| Cost of funding earning assets | 0.5943% | 1,475 |
| Net interest margin | 3.8269% | 2,142 |
| Noninterest income to average assets | 0.4767% | 3,452 |
| Noninterest expense to average assets | 2.0597% | 5,473 |
| Loan and lease loss provision to assets | 0.1312% | 1,581 |
| Net operating income to assets | 1.7492% | 530 |
| Return on assets (ROA) | 1.7492% | 562 |
| Pretax return on assets | 1.7492% | 954 |
| Return on Equity (ROE) | 17.4730% | 433 |
| Retained earnings to average equity (ytd only) | 17.4730% | 162 |
| Net charge-offs to loans | -0.0139% | 4,881 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2752% | 5,793 |
| Assets per employee ($millions) | 6.2472% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 1,157 |
| Loan loss allowance to noncurrent loans | 210.4962% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 3,801 |
| Noncurrent loans to loans | 0.9318% | 2,914 |
| Net loans and leases to total assets | 58.8370% | 3,825 |
| Net loans and leases to deposits | 70.6388% | 3,674 |
| Net loans and leases to core deposits | 72.9975% | 3,871 |
| Total domestic deposits to total assets | 83.2928% | 4,084 |
| Equity capital to assets | 10.0034% | 4,144 |
| Core capital (leverage) ratio | 10.0228% | 3,571 |
| Tier 1 risk-based capital ratio | 12.8647% | 4,683 |
| Total risk-based capital ratio | 14.1178% | 4,594 |
| Memoranda: | ||
| Average total assets | $91,468,500 | 4,779 |
| Average earning assets | $82,781,500 | 4,807 |
| Average equity | $9,157,000 | 4,951 |
| Average total loans | $57,416,500 | 4,564 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 1,843 |
| Cost of funding earning assets | 0.6960% | 1,135 |
| Net interest margin | 3.8086% | 2,598 |
| Noninterest income to average assets | 0.4807% | 3,648 |
| Noninterest expense to average assets | 2.1525% | 5,450 |
| Loan and lease loss provision to assets | 0.1338% | 1,955 |
| Net operating income to assets | 1.5770% | 740 |
| Return on assets (ROA) | 1.5926% | 749 |
| Pretax return on assets | 1.5971% | 1,243 |
| Return on Equity (ROE) | 16.1290% | 608 |
| Retained earnings to average equity (ytd only) | 5.3989% | 2,327 |
| Net charge-offs to loans | -0.0480% | 5,924 |
| Credit loss provision to net charge-offs | -461.5385% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6517% | 5,701 |
| Assets per employee ($millions) | 5.9486% | 1,416 |
| Cash dividends to net income (ytd only)* | 66.5266% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 1,475 |
| Loan loss allowance to noncurrent loans | 198.3333% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 3,778 |
| Noncurrent loans to loans | 0.9216% | 3,011 |
| Net loans and leases to total assets | 64.4678% | 3,150 |
| Net loans and leases to deposits | 78.7213% | 2,879 |
| Net loans and leases to core deposits | 81.1890% | 3,180 |
| Total domestic deposits to total assets | 81.8938% | 4,457 |
| Equity capital to assets | 10.0192% | 4,090 |
| Core capital (leverage) ratio | 9.8547% | 3,766 |
| Tier 1 risk-based capital ratio | 12.3803% | 5,105 |
| Total risk-based capital ratio | 13.6334% | 5,025 |
| Memoranda: | ||
| Average total assets | $89,662,600 | 4,845 |
| Average earning assets | $79,740,400 | 4,892 |
| Average equity | $8,853,600 | 5,008 |
| Average total loans | $54,130,400 | 4,687 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 1,382 |
| Cost of funding earning assets | 0.7131% | 1,090 |
| Net interest margin | 3.9565% | 2,011 |
| Noninterest income to average assets | 0.4560% | 3,848 |
| Noninterest expense to average assets | 2.0303% | 5,720 |
| Loan and lease loss provision to assets | 0.1337% | 1,871 |
| Net operating income to assets | 1.7706% | 535 |
| Return on assets (ROA) | 1.7912% | 534 |
| Pretax return on assets | 1.8149% | 864 |
| Return on Equity (ROE) | 18.2061% | 419 |
| Retained earnings to average equity (ytd only) | 18.2061% | 104 |
| Net charge-offs to loans | -0.1107% | 6,171 |
| Credit loss provision to net charge-offs | -204.5455% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2946% | 6,037 |
| Assets per employee ($millions) | 5.4512% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 1,586 |
| Loan loss allowance to noncurrent loans | 87.7382% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.3896% | 2,222 |
| Noncurrent loans to loans | 2.1030% | 1,489 |
| Net loans and leases to total assets | 64.5914% | 3,095 |
| Net loans and leases to deposits | 81.4952% | 2,489 |
| Net loans and leases to core deposits | 84.1854% | 2,862 |
| Total domestic deposits to total assets | 79.2580% | 5,272 |
| Equity capital to assets | 10.9231% | 3,038 |
| Core capital (leverage) ratio | 10.7460% | 2,763 |
| Tier 1 risk-based capital ratio | 13.9515% | 4,250 |
| Total risk-based capital ratio | 15.2051% | 4,189 |
| Memoranda: | ||
| Average total assets | $89,771,000 | 4,899 |
| Average earning assets | $79,462,000 | 4,952 |
| Average equity | $8,832,000 | 5,053 |
| Average total loans | $53,014,250 | 4,769 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,780 |
| Cost of funding earning assets | 0.7204% | 1,084 |
| Net interest margin | 3.5270% | 3,669 |
| Noninterest income to average assets | 0.3928% | 4,288 |
| Noninterest expense to average assets | 1.9488% | 5,915 |
| Loan and lease loss provision to assets | 0.1324% | 1,874 |
| Net operating income to assets | 1.4128% | 1,032 |
| Return on assets (ROA) | 1.4434% | 1,016 |
| Pretax return on assets | 1.4544% | 1,699 |
| Return on Equity (ROE) | 15.2087% | 760 |
| Retained earnings to average equity (ytd only) | 15.2087% | 205 |
| Net charge-offs to loans | -0.1125% | 6,182 |
| Credit loss provision to net charge-offs | -206.8966% | 5,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6045% | 5,783 |
| Assets per employee ($millions) | 5.9580% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 1,599 |
| Loan loss allowance to noncurrent loans | 122.9091% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 3,187 |
| Noncurrent loans to loans | 1.5418% | 2,249 |
| Net loans and leases to total assets | 58.7390% | 3,893 |
| Net loans and leases to deposits | 72.4569% | 3,514 |
| Net loans and leases to core deposits | 74.7345% | 3,756 |
| Total domestic deposits to total assets | 81.0675% | 4,958 |
| Equity capital to assets | 10.1085% | 3,958 |
| Core capital (leverage) ratio | 9.7370% | 3,987 |
| Tier 1 risk-based capital ratio | 13.4277% | 4,631 |
| Total risk-based capital ratio | 14.6806% | 4,572 |
| Memoranda: | ||
| Average total assets | $90,621,670 | 4,917 |
| Average earning assets | $79,955,330 | 4,983 |
| Average equity | $8,600,330 | 5,136 |
| Average total loans | $51,554,000 | 4,840 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 2,850 |
| Cost of funding earning assets | 0.7303% | 1,074 |
| Net interest margin | 3.4764% | 3,795 |
| Noninterest income to average assets | 0.4164% | 4,059 |
| Noninterest expense to average assets | 1.8631% | 6,127 |
| Loan and lease loss provision to assets | 0.1315% | 1,847 |
| Net operating income to assets | 1.4378% | 922 |
| Return on assets (ROA) | 1.4378% | 956 |
| Pretax return on assets | 1.4685% | 1,524 |
| Return on Equity (ROE) | 15.6498% | 683 |
| Retained earnings to average equity (ytd only) | 15.6498% | 291 |
| Net charge-offs to loans | -0.1344% | 6,251 |
| Credit loss provision to net charge-offs | -176.4706% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7975% | 6,029 |
| Assets per employee ($millions) | 5.8385% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 1,472 |
| Loan loss allowance to noncurrent loans | 113.6682% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 3,340 |
| Noncurrent loans to loans | 1.7784% | 2,169 |
| Net loans and leases to total assets | 50.4839% | 4,851 |
| Net loans and leases to deposits | 61.2754% | 4,628 |
| Net loans and leases to core deposits | 63.0760% | 4,781 |
| Total domestic deposits to total assets | 82.3885% | 4,818 |
| Equity capital to assets | 9.1687% | 4,912 |
| Core capital (leverage) ratio | 9.2734% | 4,611 |
| Tier 1 risk-based capital ratio | 13.3688% | 4,787 |
| Total risk-based capital ratio | 14.6217% | 4,719 |
| Memoranda: | ||
| Average total assets | $91,247,500 | 4,932 |
| Average earning assets | $79,967,500 | 5,027 |
| Average equity | $8,383,500 | 5,203 |
| Average total loans | $50,576,500 | 4,911 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 2,440 |
| Cost of funding earning assets | 0.8131% | 1,139 |
| Net interest margin | 3.6247% | 3,358 |
| Noninterest income to average assets | 0.4727% | 3,938 |
| Noninterest expense to average assets | 1.9843% | 6,059 |
| Loan and lease loss provision to assets | 0.1139% | 2,913 |
| Net operating income to assets | 1.5079% | 811 |
| Return on assets (ROA) | 1.5298% | 812 |
| Pretax return on assets | 1.6015% | 1,164 |
| Return on Equity (ROE) | 15.8425% | 641 |
| Retained earnings to average equity (ytd only) | 4.6360% | 2,859 |
| Net charge-offs to loans | 0.1744% | 3,086 |
| Credit loss provision to net charge-offs | 111.1111% | 2,161 |
| Earnings coverage of net charge-offs (x) | 16.5111% | 1,796 |
| Efficiency ratio | 53.9653% | 6,137 |
| Assets per employee ($millions) | 5.5674% | 1,593 |
| Cash dividends to net income (ytd only)* | 70.7372% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 2,257 |
| Loan loss allowance to noncurrent loans | 109.3381% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9901% | 3,436 |
| Noncurrent loans to loans | 1.5956% | 2,509 |
| Net loans and leases to total assets | 58.4818% | 3,957 |
| Net loans and leases to deposits | 72.3250% | 3,482 |
| Net loans and leases to core deposits | 74.9180% | 3,742 |
| Total domestic deposits to total assets | 80.8597% | 5,219 |
| Equity capital to assets | 9.2076% | 4,794 |
| Core capital (leverage) ratio | 9.4811% | 4,298 |
| Tier 1 risk-based capital ratio | 12.6128% | 5,223 |
| Total risk-based capital ratio | 13.8654% | 5,168 |
| Memoranda: | ||
| Average total assets | $87,790,800 | 5,032 |
| Average earning assets | $77,607,400 | 5,100 |
| Average equity | $8,477,200 | 5,215 |
| Average total loans | $51,608,800 | 4,908 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 2,692 |
| Cost of funding earning assets | 0.8224% | 1,200 |
| Net interest margin | 3.5468% | 3,672 |
| Noninterest income to average assets | 0.4573% | 4,104 |
| Noninterest expense to average assets | 1.8414% | 6,280 |
| Loan and lease loss provision to assets | 0.1067% | 2,981 |
| Net operating income to assets | 1.5685% | 798 |
| Return on assets (ROA) | 1.5685% | 845 |
| Pretax return on assets | 1.6646% | 1,173 |
| Return on Equity (ROE) | 16.0539% | 645 |
| Retained earnings to average equity (ytd only) | 16.0539% | 158 |
| Net charge-offs to loans | 0.1899% | 2,703 |
| Credit loss provision to net charge-offs | 95.8904% | 2,487 |
| Earnings coverage of net charge-offs (x) | 15.9179% | 1,833 |
| Efficiency ratio | 50.9705% | 6,336 |
| Assets per employee ($millions) | 5.2805% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 2,643 |
| Loan loss allowance to noncurrent loans | 73.3119% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.5138% | 2,665 |
| Noncurrent loans to loans | 2.3096% | 1,897 |
| Net loans and leases to total assets | 62.6728% | 3,226 |
| Net loans and leases to deposits | 78.3392% | 2,609 |
| Net loans and leases to core deposits | 81.3242% | 2,956 |
| Total domestic deposits to total assets | 80.0019% | 5,510 |
| Equity capital to assets | 10.5589% | 3,207 |
| Core capital (leverage) ratio | 10.2956% | 3,249 |
| Tier 1 risk-based capital ratio | 13.7265% | 4,615 |
| Total risk-based capital ratio | 14.9774% | 4,571 |
| Memoranda: | ||
| Average total assets | $87,468,750 | 5,090 |
| Average earning assets | $77,815,500 | 5,139 |
| Average equity | $8,546,000 | 5,258 |
| Average total loans | $51,256,000 | 4,962 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 2,999 |
| Cost of funding earning assets | 0.8400% | 1,201 |
| Net interest margin | 3.4492% | 4,010 |
| Noninterest income to average assets | 0.4454% | 4,196 |
| Noninterest expense to average assets | 1.7838% | 6,400 |
| Loan and lease loss provision to assets | 0.0904% | 3,277 |
| Net operating income to assets | 1.4967% | 906 |
| Return on assets (ROA) | 1.4967% | 975 |
| Pretax return on assets | 1.6256% | 1,290 |
| Return on Equity (ROE) | 15.7226% | 700 |
| Retained earnings to average equity (ytd only) | 15.7226% | 202 |
| Net charge-offs to loans | 0.2977% | 1,992 |
| Credit loss provision to net charge-offs | 53.3333% | 3,153 |
| Earnings coverage of net charge-offs (x) | 10.1200% | 2,189 |
| Efficiency ratio | 50.9690% | 6,358 |
| Assets per employee ($millions) | 5.4870% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 2,586 |
| Loan loss allowance to noncurrent loans | 91.3811% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.1903% | 3,368 |
| Noncurrent loans to loans | 1.9177% | 2,485 |
| Net loans and leases to total assets | 56.1965% | 4,246 |
| Net loans and leases to deposits | 70.8037% | 3,616 |
| Net loans and leases to core deposits | 73.7426% | 3,849 |
| Total domestic deposits to total assets | 79.3694% | 5,740 |
| Equity capital to assets | 9.7868% | 4,195 |
| Core capital (leverage) ratio | 9.4062% | 4,383 |
| Tier 1 risk-based capital ratio | 13.3865% | 4,850 |
| Total risk-based capital ratio | 14.6387% | 4,801 |
| Memoranda: | ||
| Average total assets | $88,462,330 | 5,089 |
| Average earning assets | $78,337,000 | 5,160 |
| Average equity | $8,421,000 | 5,330 |
| Average total loans | $50,387,000 | 5,008 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 3,127 |
| Cost of funding earning assets | 0.8575% | 1,216 |
| Net interest margin | 3.3890% | 4,161 |
| Noninterest income to average assets | 0.3424% | 4,953 |
| Noninterest expense to average assets | 1.6802% | 6,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4910% | 875 |
| Return on assets (ROA) | 1.4910% | 950 |
| Pretax return on assets | 1.6352% | 1,226 |
| Return on Equity (ROE) | 15.8839% | 629 |
| Retained earnings to average equity (ytd only) | 15.8839% | 289 |
| Net charge-offs to loans | 0.3725% | 1,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.7234% | 2,031 |
| Efficiency ratio | 50.6793% | 6,460 |
| Assets per employee ($millions) | 5.6715% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 2,692 |
| Loan loss allowance to noncurrent loans | 52.3838% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.9869% | 2,363 |
| Noncurrent loans to loans | 3.3975% | 1,420 |
| Net loans and leases to total assets | 52.7892% | 4,585 |
| Net loans and leases to deposits | 66.7721% | 3,941 |
| Net loans and leases to core deposits | 68.9510% | 4,187 |
| Total domestic deposits to total assets | 79.0587% | 5,951 |
| Equity capital to assets | 9.3417% | 5,072 |
| Core capital (leverage) ratio | 9.2107% | 4,558 |
| Tier 1 risk-based capital ratio | 12.7840% | 5,378 |
| Total risk-based capital ratio | 14.0349% | 5,318 |
| Memoranda: | ||
| Average total assets | $88,797,500 | 5,133 |
| Average earning assets | $77,899,500 | 5,209 |
| Average equity | $8,335,500 | 5,403 |
| Average total loans | $50,472,500 | 5,037 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 2,527 |
| Cost of funding earning assets | 1.0004% | 1,358 |
| Net interest margin | 3.7171% | 3,574 |
| Noninterest income to average assets | 0.5085% | 3,841 |
| Noninterest expense to average assets | 1.9906% | 6,344 |
| Loan and lease loss provision to assets | 0.1169% | 4,164 |
| Net operating income to assets | 1.5844% | 775 |
| Return on assets (ROA) | 1.6446% | 769 |
| Pretax return on assets | 1.7802% | 955 |
| Return on Equity (ROE) | 16.8318% | 556 |
| Retained earnings to average equity (ytd only) | 5.4670% | 2,400 |
| Net charge-offs to loans | 0.4647% | 2,378 |
| Credit loss provision to net charge-offs | 42.9185% | 4,864 |
| Earnings coverage of net charge-offs (x) | 6.7253% | 2,759 |
| Efficiency ratio | 52.0795% | 6,455 |
| Assets per employee ($millions) | 5.4282% | 1,757 |
| Cash dividends to net income (ytd only)* | 67.5195% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 2,745 |
| Loan loss allowance to noncurrent loans | 83.6380% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 3,179 |
| Noncurrent loans to loans | 2.0968% | 2,581 |
| Net loans and leases to total assets | 59.0195% | 3,793 |
| Net loans and leases to deposits | 75.3321% | 2,901 |
| Net loans and leases to core deposits | 79.3581% | 3,096 |
| Total domestic deposits to total assets | 78.3457% | 6,023 |
| Equity capital to assets | 9.4345% | 4,958 |
| Core capital (leverage) ratio | 9.1858% | 4,608 |
| Tier 1 risk-based capital ratio | 12.3968% | 5,544 |
| Total risk-based capital ratio | 13.6486% | 5,493 |
| Memoranda: | ||
| Average total assets | $85,552,400 | 5,202 |
| Average earning assets | $76,268,800 | 5,234 |
| Average equity | $8,359,200 | 5,405 |
| Average total loans | $50,135,800 | 5,100 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 2,654 |
| Cost of funding earning assets | 1.0355% | 1,368 |
| Net interest margin | 3.6978% | 3,801 |
| Noninterest income to average assets | 0.5037% | 3,903 |
| Noninterest expense to average assets | 1.8507% | 6,612 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8130% | 551 |
| Return on assets (ROA) | 1.8945% | 533 |
| Pretax return on assets | 2.0478% | 632 |
| Return on Equity (ROE) | 19.2206% | 381 |
| Retained earnings to average equity (ytd only) | 19.2206% | 93 |
| Net charge-offs to loans | 0.4030% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 8.3531% | 2,460 |
| Efficiency ratio | 48.5632% | 6,684 |
| Assets per employee ($millions) | 5.3266% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 3,190 |
| Loan loss allowance to noncurrent loans | 61.9738% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 2,919 |
| Noncurrent loans to loans | 2.7243% | 2,078 |
| Net loans and leases to total assets | 61.3552% | 3,503 |
| Net loans and leases to deposits | 82.3465% | 2,070 |
| Net loans and leases to core deposits | 87.0803% | 2,334 |
| Total domestic deposits to total assets | 74.5087% | 6,559 |
| Equity capital to assets | 10.6366% | 3,685 |
| Core capital (leverage) ratio | 10.1408% | 3,356 |
| Tier 1 risk-based capital ratio | 13.5197% | 4,868 |
| Total risk-based capital ratio | 14.7725% | 4,826 |
| Memoranda: | ||
| Average total assets | $85,227,750 | 5,268 |
| Average earning assets | $76,223,250 | 5,284 |
| Average equity | $8,400,500 | 5,439 |
| Average total loans | $49,626,250 | 5,184 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 3,104 |
| Cost of funding earning assets | 1.0506% | 1,467 |
| Net interest margin | 3.6076% | 4,222 |
| Noninterest income to average assets | 0.4177% | 4,521 |
| Noninterest expense to average assets | 1.8374% | 6,705 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6719% | 718 |
| Return on assets (ROA) | 1.7928% | 643 |
| Pretax return on assets | 1.9430% | 779 |
| Return on Equity (ROE) | 18.6820% | 440 |
| Retained earnings to average equity (ytd only) | 18.6820% | 129 |
| Net charge-offs to loans | 0.6400% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.9806% | 2,941 |
| Efficiency ratio | 50.3537% | 6,621 |
| Assets per employee ($millions) | 5.2269% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 3,111 |
| Loan loss allowance to noncurrent loans | 78.1961% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 3,479 |
| Noncurrent loans to loans | 2.2113% | 2,702 |
| Net loans and leases to total assets | 60.6852% | 3,687 |
| Net loans and leases to deposits | 77.4458% | 2,761 |
| Net loans and leases to core deposits | 81.9318% | 2,968 |
| Total domestic deposits to total assets | 78.3582% | 6,091 |
| Equity capital to assets | 10.1829% | 4,077 |
| Core capital (leverage) ratio | 9.4429% | 4,224 |
| Tier 1 risk-based capital ratio | 12.9935% | 5,196 |
| Total risk-based capital ratio | 14.2463% | 5,168 |
| Memoranda: | ||
| Average total assets | $85,228,670 | 5,297 |
| Average earning assets | $76,339,000 | 5,317 |
| Average equity | $8,179,000 | 5,520 |
| Average total loans | $48,439,000 | 5,255 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 3,374 |
| Cost of funding earning assets | 1.0537% | 1,652 |
| Net interest margin | 3.5732% | 4,381 |
| Noninterest income to average assets | 0.4324% | 4,436 |
| Noninterest expense to average assets | 1.8273% | 6,764 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6413% | 806 |
| Return on assets (ROA) | 1.6413% | 900 |
| Pretax return on assets | 1.7901% | 1,090 |
| Return on Equity (ROE) | 17.6269% | 593 |
| Retained earnings to average equity (ytd only) | 17.6269% | 276 |
| Net charge-offs to loans | 0.8113% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.0526% | 2,678 |
| Efficiency ratio | 50.5141% | 6,641 |
| Assets per employee ($millions) | 5.5639% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0957% | 2,108 |
| Loan loss allowance to noncurrent loans | 78.1148% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4816% | 3,643 |
| Noncurrent loans to loans | 2.6828% | 2,429 |
| Net loans and leases to total assets | 50.0118% | 5,307 |
| Net loans and leases to deposits | 62.4449% | 4,854 |
| Net loans and leases to core deposits | 66.2411% | 4,887 |
| Total domestic deposits to total assets | 80.0894% | 5,833 |
| Equity capital to assets | 9.1909% | 5,245 |
| Core capital (leverage) ratio | 8.6374% | 5,397 |
| Tier 1 risk-based capital ratio | 12.7350% | 5,414 |
| Total risk-based capital ratio | 13.9888% | 5,379 |
| Memoranda: | ||
| Average total assets | $86,028,000 | 5,310 |
| Average earning assets | $76,683,000 | 5,337 |
| Average equity | $8,010,500 | 5,593 |
| Average total loans | $46,836,500 | 5,348 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 3,625 |
| Cost of funding earning assets | 1.2048% | 1,997 |
| Net interest margin | 3.6349% | 4,594 |
| Noninterest income to average assets | 0.5140% | 3,755 |
| Noninterest expense to average assets | 2.0935% | 6,506 |
| Loan and lease loss provision to assets | 0.0363% | 6,111 |
| Net operating income to assets | 1.4863% | 855 |
| Return on assets (ROA) | 1.6098% | 709 |
| Pretax return on assets | 1.7585% | 882 |
| Return on Equity (ROE) | 16.9680% | 476 |
| Retained earnings to average equity (ytd only) | 4.8571% | 2,745 |
| Net charge-offs to loans | -0.0136% | 6,915 |
| Credit loss provision to net charge-offs | -500.0000% | 6,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7668% | 6,343 |
| Assets per employee ($millions) | 4.8843% | 2,340 |
| Cash dividends to net income (ytd only)* | 71.3749% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1744% | 1,849 |
| Loan loss allowance to noncurrent loans | 92.7434% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4801% | 3,736 |
| Noncurrent loans to loans | 2.3445% | 2,799 |
| Net loans and leases to total assets | 56.7847% | 4,578 |
| Net loans and leases to deposits | 74.0188% | 3,495 |
| Net loans and leases to core deposits | 79.2011% | 3,551 |
| Total domestic deposits to total assets | 76.7165% | 6,377 |
| Equity capital to assets | 9.4408% | 4,978 |
| Core capital (leverage) ratio | 8.8691% | 4,993 |
| Tier 1 risk-based capital ratio | 12.4468% | 5,494 |
| Total risk-based capital ratio | 13.7025% | 5,469 |
| Memoranda: | ||
| Average total assets | $82,682,800 | 5,375 |
| Average earning assets | $73,702,600 | 5,411 |
| Average equity | $7,844,200 | 5,616 |
| Average total loans | $44,032,800 | 5,516 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 3,900 |
| Cost of funding earning assets | 1.2435% | 2,037 |
| Net interest margin | 3.5832% | 4,840 |
| Noninterest income to average assets | 0.5246% | 3,699 |
| Noninterest expense to average assets | 1.9452% | 6,794 |
| Loan and lease loss provision to assets | 0.0484% | 5,841 |
| Net operating income to assets | 1.5799% | 800 |
| Return on assets (ROA) | 1.7418% | 634 |
| Pretax return on assets | 1.8887% | 805 |
| Return on Equity (ROE) | 18.3370% | 429 |
| Retained earnings to average equity (ytd only) | 18.3370% | 106 |
| Net charge-offs to loans | -0.0186% | 6,892 |
| Credit loss provision to net charge-offs | -500.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4826% | 6,638 |
| Assets per employee ($millions) | 4.9016% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2015% | 1,857 |
| Loan loss allowance to noncurrent loans | 74.0636% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.8169% | 3,371 |
| Noncurrent loans to loans | 2.9724% | 2,334 |
| Net loans and leases to total assets | 55.8708% | 4,863 |
| Net loans and leases to deposits | 76.3839% | 3,268 |
| Net loans and leases to core deposits | 81.9908% | 3,330 |
| Total domestic deposits to total assets | 73.1447% | 6,843 |
| Equity capital to assets | 10.3663% | 3,869 |
| Core capital (leverage) ratio | 9.5970% | 4,001 |
| Tier 1 risk-based capital ratio | 13.8402% | 4,464 |
| Total risk-based capital ratio | 15.0963% | 4,423 |
| Memoranda: | ||
| Average total assets | $82,595,250 | 5,420 |
| Average earning assets | $73,340,000 | 5,470 |
| Average equity | $7,845,500 | 5,648 |
| Average total loans | $42,991,500 | 5,604 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 4,432 |
| Cost of funding earning assets | 1.3062% | 1,906 |
| Net interest margin | 3.4170% | 5,498 |
| Noninterest income to average assets | 0.4542% | 4,257 |
| Noninterest expense to average assets | 1.9502% | 6,873 |
| Loan and lease loss provision to assets | 0.0729% | 5,393 |
| Net operating income to assets | 1.3107% | 1,286 |
| Return on assets (ROA) | 1.4256% | 1,095 |
| Pretax return on assets | 1.5689% | 1,332 |
| Return on Equity (ROE) | 15.4854% | 720 |
| Retained earnings to average equity (ytd only) | 15.4854% | 221 |
| Net charge-offs to loans | -0.2991% | 7,347 |
| Credit loss provision to net charge-offs | -48.3871% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2719% | 6,392 |
| Assets per employee ($millions) | 4.9334% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4710% | 1,490 |
| Loan loss allowance to noncurrent loans | 82.3881% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6955% | 3,644 |
| Noncurrent loans to loans | 2.9992% | 2,420 |
| Net loans and leases to total assets | 51.9573% | 5,568 |
| Net loans and leases to deposits | 71.0605% | 4,280 |
| Net loans and leases to core deposits | 76.2427% | 4,283 |
| Total domestic deposits to total assets | 73.1170% | 6,914 |
| Equity capital to assets | 9.5616% | 4,721 |
| Core capital (leverage) ratio | 9.2196% | 4,370 |
| Tier 1 risk-based capital ratio | 13.4141% | 4,596 |
| Total risk-based capital ratio | 14.6717% | 4,577 |
| Memoranda: | ||
| Average total assets | $82,351,000 | 5,477 |
| Average earning assets | $72,579,000 | 5,533 |
| Average equity | $7,581,330 | 5,737 |
| Average total loans | $41,454,000 | 5,736 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6664% | 4,660 |
| Cost of funding earning assets | 1.3864% | 1,684 |
| Net interest margin | 3.2800% | 5,843 |
| Noninterest income to average assets | 0.4804% | 4,046 |
| Noninterest expense to average assets | 1.9119% | 6,969 |
| Loan and lease loss provision to assets | 0.1471% | 4,174 |
| Net operating income to assets | 1.1311% | 1,735 |
| Return on assets (ROA) | 1.3580% | 1,190 |
| Pretax return on assets | 1.5295% | 1,361 |
| Return on Equity (ROE) | 15.0492% | 814 |
| Retained earnings to average equity (ytd only) | 15.0492% | 389 |
| Net charge-offs to loans | -0.6124% | 7,436 |
| Credit loss provision to net charge-offs | -49.1803% | 5,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3529% | 6,341 |
| Assets per employee ($millions) | 4.9094% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8687% | 1,042 |
| Loan loss allowance to noncurrent loans | 90.4098% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.5600% | 3,908 |
| Noncurrent loans to loans | 3.1730% | 2,373 |
| Net loans and leases to total assets | 44.7489% | 6,402 |
| Net loans and leases to deposits | 57.0532% | 6,020 |
| Net loans and leases to core deposits | 60.9329% | 6,021 |
| Total domestic deposits to total assets | 78.4337% | 6,312 |
| Equity capital to assets | 8.9673% | 5,256 |
| Core capital (leverage) ratio | 8.8536% | 4,847 |
| Tier 1 risk-based capital ratio | 12.5312% | 5,236 |
| Total risk-based capital ratio | 13.7895% | 5,205 |
| Memoranda: | ||
| Average total assets | $81,593,000 | 5,538 |
| Average earning assets | $70,975,500 | 5,633 |
| Average equity | $7,362,500 | 5,819 |
| Average total loans | $39,841,500 | 5,857 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2105% | 3,552 |
| Cost of funding earning assets | 1.6635% | 1,762 |
| Net interest margin | 3.5470% | 5,049 |
| Noninterest income to average assets | 0.5721% | 3,654 |
| Noninterest expense to average assets | 2.1330% | 6,768 |
| Loan and lease loss provision to assets | 0.1582% | 5,625 |
| Net operating income to assets | 1.2588% | 1,269 |
| Return on assets (ROA) | 1.4541% | 913 |
| Pretax return on assets | 1.5741% | 1,195 |
| Return on Equity (ROE) | 14.5304% | 786 |
| Retained earnings to average equity (ytd only) | 2.6742% | 3,987 |
| Net charge-offs to loans | 0.3366% | 4,329 |
| Credit loss provision to net charge-offs | 85.1064% | 5,339 |
| Earnings coverage of net charge-offs (x) | 8.1773% | 2,003 |
| Efficiency ratio | 58.3905% | 6,293 |
| Assets per employee ($millions) | 4.9829% | 2,178 |
| Cash dividends to net income (ytd only)* | 81.5956% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4543% | 1,470 |
| Loan loss allowance to noncurrent loans | 79.3103% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7033% | 3,744 |
| Noncurrent loans to loans | 3.0946% | 2,464 |
| Net loans and leases to total assets | 50.4484% | 6,127 |
| Net loans and leases to deposits | 65.8562% | 5,421 |
| Net loans and leases to core deposits | 70.6797% | 5,379 |
| Total domestic deposits to total assets | 76.6039% | 6,549 |
| Equity capital to assets | 9.0822% | 5,017 |
| Core capital (leverage) ratio | 8.9208% | 4,658 |
| Tier 1 risk-based capital ratio | 13.5106% | 4,191 |
| Total risk-based capital ratio | 14.7699% | 4,155 |
| Memoranda: | ||
| Average total assets | $75,854,400 | 5,719 |
| Average earning assets | $65,886,200 | 5,804 |
| Average equity | $7,591,000 | 5,848 |
| Average total loans | $41,892,400 | 5,842 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3175% | 3,266 |
| Cost of funding earning assets | 1.7382% | 1,684 |
| Net interest margin | 3.5793% | 4,977 |
| Noninterest income to average assets | 0.5858% | 3,537 |
| Noninterest expense to average assets | 2.0546% | 6,948 |
| Loan and lease loss provision to assets | 0.1602% | 5,434 |
| Net operating income to assets | 1.3511% | 1,217 |
| Return on assets (ROA) | 1.6148% | 796 |
| Pretax return on assets | 1.7555% | 1,004 |
| Return on Equity (ROE) | 15.7492% | 741 |
| Retained earnings to average equity (ytd only) | 15.7492% | 177 |
| Net charge-offs to loans | 0.0983% | 5,543 |
| Credit loss provision to net charge-offs | 290.3226% | 1,105 |
| Earnings coverage of net charge-offs (x) | 29.5178% | 886 |
| Efficiency ratio | 55.7757% | 6,589 |
| Assets per employee ($millions) | 4.6919% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5856% | 1,227 |
| Loan loss allowance to noncurrent loans | 39.4509% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 3.7965% | 1,875 |
| Noncurrent loans to loans | 6.5540% | 908 |
| Net loans and leases to total assets | 54.8048% | 5,729 |
| Net loans and leases to deposits | 72.9572% | 4,699 |
| Net loans and leases to core deposits | 76.5874% | 4,983 |
| Total domestic deposits to total assets | 75.1192% | 6,786 |
| Equity capital to assets | 10.7406% | 3,239 |
| Core capital (leverage) ratio | 10.0915% | 3,158 |
| Tier 1 risk-based capital ratio | 14.9153% | 3,294 |
| Total risk-based capital ratio | 16.1760% | 3,273 |
| Memoranda: | ||
| Average total assets | $74,886,250 | 5,809 |
| Average earning assets | $64,816,250 | 5,898 |
| Average equity | $7,678,500 | 5,884 |
| Average total loans | $42,057,250 | 5,916 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3057% | 3,445 |
| Cost of funding earning assets | 1.7911% | 1,676 |
| Net interest margin | 3.5145% | 5,197 |
| Noninterest income to average assets | 0.5373% | 3,817 |
| Noninterest expense to average assets | 2.0314% | 7,050 |
| Loan and lease loss provision to assets | 0.1604% | 5,285 |
| Net operating income to assets | 1.3024% | 1,300 |
| Return on assets (ROA) | 1.7026% | 634 |
| Pretax return on assets | 1.8283% | 842 |
| Return on Equity (ROE) | 16.8734% | 586 |
| Retained earnings to average equity (ytd only) | 16.8734% | 162 |
| Net charge-offs to loans | -0.0238% | 7,309 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5897% | 6,562 |
| Assets per employee ($millions) | 4.9509% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5228% | 1,275 |
| Loan loss allowance to noncurrent loans | 45.8455% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 3.3354% | 2,111 |
| Noncurrent loans to loans | 5.5028% | 1,201 |
| Net loans and leases to total assets | 57.1280% | 5,542 |
| Net loans and leases to deposits | 77.3473% | 4,108 |
| Net loans and leases to core deposits | 77.7684% | 4,990 |
| Total domestic deposits to total assets | 73.8591% | 6,990 |
| Equity capital to assets | 10.6015% | 3,278 |
| Core capital (leverage) ratio | 9.8882% | 3,293 |
| Tier 1 risk-based capital ratio | 13.8413% | 3,841 |
| Total risk-based capital ratio | 15.1007% | 3,803 |
| Memoranda: | ||
| Average total assets | $74,825,000 | 5,843 |
| Average earning assets | $64,987,000 | 5,925 |
| Average equity | $7,550,330 | 5,948 |
| Average total loans | $41,998,330 | 5,957 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2846% | 3,617 |
| Cost of funding earning assets | 1.9925% | 1,114 |
| Net interest margin | 3.2920% | 6,003 |
| Noninterest income to average assets | 0.6018% | 3,268 |
| Noninterest expense to average assets | 1.9705% | 7,213 |
| Loan and lease loss provision to assets | 0.1598% | 4,933 |
| Net operating income to assets | 1.1900% | 1,566 |
| Return on assets (ROA) | 1.7522% | 602 |
| Pretax return on assets | 1.9226% | 703 |
| Return on Equity (ROE) | 17.8103% | 530 |
| Retained earnings to average equity (ytd only) | 17.8103% | 252 |
| Net charge-offs to loans | 0.0097% | 5,455 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 122 |
| Efficiency ratio | 57.3643% | 6,584 |
| Assets per employee ($millions) | 5.0818% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6529% | 1,123 |
| Loan loss allowance to noncurrent loans | 72.8395% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.0203% | 3,476 |
| Noncurrent loans to loans | 3.6421% | 2,185 |
| Net loans and leases to total assets | 51.1236% | 6,363 |
| Net loans and leases to deposits | 64.6784% | 5,978 |
| Net loans and leases to core deposits | 68.6249% | 6,040 |
| Total domestic deposits to total assets | 79.0429% | 6,068 |
| Equity capital to assets | 9.7997% | 4,108 |
| Core capital (leverage) ratio | 9.5060% | 3,757 |
| Tier 1 risk-based capital ratio | 13.6492% | 3,895 |
| Total risk-based capital ratio | 14.9088% | 3,846 |
| Memoranda: | ||
| Average total assets | $75,106,000 | 5,903 |
| Average earning assets | $64,641,000 | 6,011 |
| Average equity | $7,389,000 | 6,062 |
| Average total loans | $41,236,000 | 6,065 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9386% | 2,088 |
| Cost of funding earning assets | 2.0378% | 2,783 |
| Net interest margin | 3.9008% | 3,264 |
| Noninterest income to average assets | 0.3798% | 5,376 |
| Noninterest expense to average assets | 2.3094% | 6,725 |
| Loan and lease loss provision to assets | 0.0419% | 7,133 |
| Net operating income to assets | 1.2920% | 1,047 |
| Return on assets (ROA) | 1.3250% | 1,031 |
| Pretax return on assets | 1.4591% | 1,290 |
| Return on Equity (ROE) | 12.8184% | 1,001 |
| Retained earnings to average equity (ytd only) | 0.6619% | 4,535 |
| Net charge-offs to loans | -0.0706% | 7,867 |
| Credit loss provision to net charge-offs | -103.4483% | 7,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1913% | 6,298 |
| Assets per employee ($millions) | 4.9323% | 2,300 |
| Cash dividends to net income (ytd only)* | 94.8367% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4340% | 1,314 |
| Loan loss allowance to noncurrent loans | 62.6820% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.3383% | 2,960 |
| Noncurrent loans to loans | 3.8831% | 1,912 |
| Net loans and leases to total assets | 55.9668% | 5,958 |
| Net loans and leases to deposits | 72.3228% | 5,281 |
| Net loans and leases to core deposits | 78.2667% | 6,240 |
| Total domestic deposits to total assets | 77.3846% | 6,370 |
| Equity capital to assets | 9.8777% | 3,917 |
| Core capital (leverage) ratio | 9.3611% | 3,884 |
| Tier 1 risk-based capital ratio | 13.1134% | 4,073 |
| Total risk-based capital ratio | 14.3729% | 4,009 |
| Memoranda: | ||
| Average total assets | $71,621,600 | 5,955 |
| Average earning assets | $62,320,600 | 6,051 |
| Average equity | $7,403,400 | 6,125 |
| Average total loans | $41,051,000 | 6,054 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9277% | 2,325 |
| Cost of funding earning assets | 2.1120% | 2,840 |
| Net interest margin | 3.8157% | 3,590 |
| Noninterest income to average assets | 0.5312% | 4,226 |
| Noninterest expense to average assets | 2.2131% | 6,938 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4056% | 1,014 |
| Return on assets (ROA) | 1.4041% | 1,086 |
| Pretax return on assets | 1.6499% | 1,069 |
| Return on Equity (ROE) | 13.4277% | 1,026 |
| Retained earnings to average equity (ytd only) | 13.4277% | 229 |
| Net charge-offs to loans | -0.0852% | 7,908 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2608% | 6,833 |
| Assets per employee ($millions) | 4.6638% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3595% | 1,223 |
| Loan loss allowance to noncurrent loans | 65.7030% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.4601% | 2,798 |
| Noncurrent loans to loans | 3.5912% | 2,078 |
| Net loans and leases to total assets | 59.1521% | 5,720 |
| Net loans and leases to deposits | 77.6030% | 4,799 |
| Net loans and leases to core deposits | 83.2817% | 6,095 |
| Total domestic deposits to total assets | 76.2240% | 6,545 |
| Equity capital to assets | 11.3813% | 2,686 |
| Core capital (leverage) ratio | 10.4909% | 2,801 |
| Tier 1 risk-based capital ratio | 14.9840% | 3,047 |
| Total risk-based capital ratio | 16.2437% | 2,982 |
| Memoranda: | ||
| Average total assets | $71,030,750 | 6,010 |
| Average earning assets | $62,057,250 | 6,103 |
| Average equity | $7,427,250 | 6,176 |
| Average total loans | $40,703,750 | 6,121 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8786% | 2,685 |
| Cost of funding earning assets | 2.1685% | 2,942 |
| Net interest margin | 3.7101% | 3,909 |
| Noninterest income to average assets | 0.4987% | 4,456 |
| Noninterest expense to average assets | 2.1656% | 7,134 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2995% | 1,230 |
| Return on assets (ROA) | 1.2971% | 1,320 |
| Pretax return on assets | 1.5465% | 1,336 |
| Return on Equity (ROE) | 12.7742% | 1,225 |
| Retained earnings to average equity (ytd only) | 12.7742% | 351 |
| Net charge-offs to loans | -0.1395% | 7,998 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2956% | 6,813 |
| Assets per employee ($millions) | 4.6804% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4466% | 944 |
| Loan loss allowance to noncurrent loans | 66.4016% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.4813% | 2,604 |
| Noncurrent loans to loans | 3.6845% | 1,889 |
| Net loans and leases to total assets | 56.9082% | 6,097 |
| Net loans and leases to deposits | 71.5222% | 5,807 |
| Net loans and leases to core deposits | 76.2971% | 6,652 |
| Total domestic deposits to total assets | 79.5673% | 5,616 |
| Equity capital to assets | 10.6202% | 3,279 |
| Core capital (leverage) ratio | 10.0559% | 3,236 |
| Tier 1 risk-based capital ratio | 14.7249% | 3,133 |
| Total risk-based capital ratio | 15.9854% | 3,066 |
| Memoranda: | ||
| Average total assets | $71,388,670 | 6,047 |
| Average earning assets | $61,885,670 | 6,150 |
| Average equity | $7,249,000 | 6,283 |
| Average total loans | $40,144,670 | 6,199 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0463% | 2,170 |
| Cost of funding earning assets | 2.2116% | 3,106 |
| Net interest margin | 3.8347% | 3,318 |
| Noninterest income to average assets | 0.5113% | 4,217 |
| Noninterest expense to average assets | 2.0561% | 7,223 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5052% | 927 |
| Return on assets (ROA) | 1.5004% | 1,004 |
| Pretax return on assets | 1.7449% | 1,088 |
| Return on Equity (ROE) | 15.1144% | 959 |
| Retained earnings to average equity (ytd only) | 15.1144% | 404 |
| Net charge-offs to loans | -0.2416% | 8,036 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0146% | 7,220 |
| Assets per employee ($millions) | 4.8070% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6438% | 655 |
| Loan loss allowance to noncurrent loans | 67.1150% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.3854% | 2,396 |
| Noncurrent loans to loans | 3.9393% | 1,543 |
| Net loans and leases to total assets | 50.9673% | 6,768 |
| Net loans and leases to deposits | 63.4573% | 6,608 |
| Net loans and leases to core deposits | 67.7020% | 7,152 |
| Total domestic deposits to total assets | 80.3176% | 5,233 |
| Equity capital to assets | 10.1713% | 3,793 |
| Core capital (leverage) ratio | 9.7111% | 3,739 |
| Tier 1 risk-based capital ratio | 14.8759% | 3,124 |
| Total risk-based capital ratio | 16.1357% | 3,048 |
| Memoranda: | ||
| Average total assets | $71,980,000 | 6,067 |
| Average earning assets | $61,856,000 | 6,180 |
| Average equity | $7,145,500 | 6,357 |
| Average total loans | $39,739,500 | 6,250 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6029% | 2,479 |
| Cost of funding earning assets | 2.6667% | 3,329 |
| Net interest margin | 3.9363% | 3,418 |
| Noninterest income to average assets | 0.7282% | 2,920 |
| Noninterest expense to average assets | 2.2805% | 6,755 |
| Loan and lease loss provision to assets | 0.0295% | 7,032 |
| Net operating income to assets | 1.7732% | 585 |
| Return on assets (ROA) | 1.7468% | 592 |
| Pretax return on assets | 1.8500% | 853 |
| Return on Equity (ROE) | 17.2952% | 598 |
| Retained earnings to average equity (ytd only) | 4.1596% | 2,541 |
| Net charge-offs to loans | -0.1266% | 8,119 |
| Credit loss provision to net charge-offs | -37.7358% | 7,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4527% | 7,222 |
| Assets per employee ($millions) | 4.7903% | 2,188 |
| Cash dividends to net income (ytd only)* | 75.9494% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3340% | 813 |
| Loan loss allowance to noncurrent loans | 70.6821% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.1947% | 2,229 |
| Noncurrent loans to loans | 3.3021% | 1,568 |
| Net loans and leases to total assets | 56.7212% | 6,356 |
| Net loans and leases to deposits | 71.3333% | 6,129 |
| Net loans and leases to core deposits | 75.5739% | 6,884 |
| Total domestic deposits to total assets | 79.5157% | 5,198 |
| Equity capital to assets | 9.6820% | 4,450 |
| Core capital (leverage) ratio | 9.7261% | 3,735 |
| Tier 1 risk-based capital ratio | 13.0887% | 4,063 |
| Total risk-based capital ratio | 14.3469% | 3,966 |
| Memoranda: | ||
| Average total assets | $67,836,600 | 6,093 |
| Average earning assets | $59,625,000 | 6,189 |
| Average equity | $6,851,600 | 6,504 |
| Average total loans | $41,874,400 | 6,079 |