Home > New Market Bank > Performance and Condition Ratios
New Market 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 | 3.9783% | 3,997 |
| Cost of funding earning assets | 0.7790% | 3,789 |
| Net interest margin | 3.1993% | 2,880 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.9227% | 1,227 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.4414% | 3,786 |
| Return on assets (ROA) | 0.4414% | 3,785 |
| Pretax return on assets | 0.6067% | 3,617 |
| Return on Equity (ROE) | 7.0100% | 3,282 |
| Retained earnings to average equity (ytd only) | 4.0947% | 2,925 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.3573% | 757 |
| Assets per employee ($millions) | 5.2160% | 3,462 |
| Cash dividends to net income (ytd only)* | 41.6171% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,241 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.5000% | 2,804 |
| Net loans and leases to deposits | 68.2650% | 3,010 |
| Net loans and leases to core deposits | 69.5051% | 3,336 |
| Total domestic deposits to total assets | 88.6200% | 1,176 |
| Equity capital to assets | 6.9748% | 3,950 |
| Core capital (leverage) ratio | 8.2352% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7296% | 1,619 |
| Memoranda: | ||
| Average total assets | $190,542,200 | 3,049 |
| Average earning assets | $179,322,400 | 3,012 |
| Average equity | $11,991,000 | 3,525 |
| Average total loans | $111,116,600 | 3,044 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 4,041 |
| Cost of funding earning assets | 0.7064% | 3,751 |
| Net interest margin | 3.1638% | 2,994 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.9325% | 1,166 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4114% | 3,946 |
| Return on assets (ROA) | 0.4114% | 3,937 |
| Pretax return on assets | 0.5529% | 3,820 |
| Return on Equity (ROE) | 6.7200% | 3,502 |
| Retained earnings to average equity (ytd only) | 2.7316% | 3,573 |
| Net charge-offs to loans | -0.0024% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.6682% | 634 |
| Assets per employee ($millions) | 4.9700% | 3,626 |
| Cash dividends to net income (ytd only)* | 59.3220% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,286 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.5800% | 2,888 |
| Net loans and leases to deposits | 66.5447% | 3,085 |
| Net loans and leases to core deposits | 67.5306% | 3,349 |
| Total domestic deposits to total assets | 89.5400% | 1,058 |
| Equity capital to assets | 6.1680% | 3,926 |
| Core capital (leverage) ratio | 7.9932% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4441% | 1,733 |
| Memoranda: | ||
| Average total assets | $191,233,750 | 3,049 |
| Average earning assets | $179,486,000 | 3,021 |
| Average equity | $11,714,500 | 3,552 |
| Average total loans | $110,148,750 | 3,055 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 4,100 |
| Cost of funding earning assets | 0.5942% | 3,765 |
| Net interest margin | 3.1435% | 3,125 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.9205% | 1,171 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.3697% | 4,052 |
| Return on assets (ROA) | 0.3697% | 4,071 |
| Pretax return on assets | 0.5062% | 3,957 |
| Return on Equity (ROE) | 6.0500% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.0496% | 2,599 |
| Net charge-offs to loans | -0.0018% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.7386% | 556 |
| Assets per employee ($millions) | 5.5265% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,285 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.0100% | 3,043 |
| Net loans and leases to deposits | 64.0142% | 3,189 |
| Net loans and leases to core deposits | 64.8480% | 3,402 |
| Total domestic deposits to total assets | 89.0600% | 1,240 |
| Equity capital to assets | 6.2116% | 4,096 |
| Core capital (leverage) ratio | 8.0320% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6315% | 1,682 |
| Memoranda: | ||
| Average total assets | $192,024,667 | 3,051 |
| Average earning assets | $179,736,667 | 3,030 |
| Average equity | $11,736,333 | 3,561 |
| Average total loans | $108,893,333 | 3,064 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 4,167 |
| Cost of funding earning assets | 0.3988% | 3,969 |
| Net interest margin | 3.1901% | 3,143 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.9291% | 1,176 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.3324% | 4,202 |
| Return on assets (ROA) | 0.3324% | 4,160 |
| Pretax return on assets | 0.4474% | 4,059 |
| Return on Equity (ROE) | 5.4800% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.4842% | 2,894 |
| Net charge-offs to loans | -0.0037% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.2685% | 499 |
| Assets per employee ($millions) | 5.7056% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,296 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.5800% | 3,065 |
| Net loans and leases to deposits | 62.3782% | 3,203 |
| Net loans and leases to core deposits | 63.1880% | 3,382 |
| Total domestic deposits to total assets | 89.1000% | 1,509 |
| Equity capital to assets | 6.1550% | 4,147 |
| Core capital (leverage) ratio | 8.0622% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5755% | 1,768 |
| Memoranda: | ||
| Average total assets | $191,323,000 | 3,093 |
| Average earning assets | $179,554,500 | 3,069 |
| Average equity | $11,597,000 | 3,608 |
| Average total loans | $107,515,000 | 3,115 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 3,678 |
| Cost of funding earning assets | 0.1523% | 4,108 |
| Net interest margin | 3.1108% | 3,152 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.9599% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6045% | 3,873 |
| Return on assets (ROA) | 0.5181% | 4,015 |
| Pretax return on assets | 0.6525% | 3,941 |
| Return on Equity (ROE) | 8.3000% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.3795% | 2,882 |
| Net charge-offs to loans | 0.0242% | 1,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 60.9167% | 1,249 |
| Efficiency ratio | 79.5267% | 753 |
| Assets per employee ($millions) | 5.5487% | 3,168 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 1,995 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 2,011 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.3900% | 3,087 |
| Net loans and leases to deposits | 59.2387% | 3,378 |
| Net loans and leases to core deposits | 60.0851% | 3,501 |
| Total domestic deposits to total assets | 93.5100% | 305 |
| Equity capital to assets | 5.9653% | 4,100 |
| Core capital (leverage) ratio | 7.7802% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6349% | 1,753 |
| Memoranda: | ||
| Average total assets | $191,864,000 | 3,089 |
| Average earning assets | $180,594,200 | 3,058 |
| Average equity | $11,971,400 | 3,671 |
| Average total loans | $99,098,600 | 3,165 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 3,562 |
| Cost of funding earning assets | 0.1369% | 3,969 |
| Net interest margin | 3.0100% | 3,195 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.9605% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6284% | 3,757 |
| Return on assets (ROA) | 0.6284% | 3,709 |
| Pretax return on assets | 0.7370% | 3,719 |
| Return on Equity (ROE) | 9.9600% | 2,735 |
| Retained earnings to average equity (ytd only) | 6.1229% | 2,712 |
| Net charge-offs to loans | 0.0342% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 42.6000% | 1,364 |
| Efficiency ratio | 80.0674% | 771 |
| Assets per employee ($millions) | 5.4417% | 3,282 |
| Cash dividends to net income (ytd only)* | 38.5463% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 2,193 |
| Loan loss allowance to noncurrent loans | 367.6630% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 1,335 |
| Noncurrent loans to loans | 0.3443% | 1,995 |
| Net loans and leases to total assets | 53.8700% | 3,115 |
| Net loans and leases to deposits | 57.1653% | 3,396 |
| Net loans and leases to core deposits | 57.7598% | 3,520 |
| Total domestic deposits to total assets | 94.2300% | 329 |
| Equity capital to assets | 5.2914% | 4,194 |
| Core capital (leverage) ratio | 7.7262% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2062% | 1,974 |
| Memoranda: | ||
| Average total assets | $192,665,750 | 3,108 |
| Average earning assets | $181,171,000 | 3,082 |
| Average equity | $12,150,750 | 3,697 |
| Average total loans | $97,409,750 | 3,200 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1562% | 3,170 |
| Cost of funding earning assets | 0.1300% | 3,839 |
| Net interest margin | 3.0262% | 2,807 |
| Noninterest income to average assets | 0.9395% | 772 |
| Noninterest expense to average assets | 2.9637% | 886 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7005% | 3,309 |
| Return on assets (ROA) | 0.7005% | 3,263 |
| Pretax return on assets | 0.8184% | 3,276 |
| Return on Equity (ROE) | 10.5291% | 2,158 |
| Retained earnings to average equity (ytd only) | 10.5291% | 893 |
| Net charge-offs to loans | 0.0530% | 862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 31.3600% | 1,369 |
| Efficiency ratio | 78.3605% | 1,064 |
| Assets per employee ($millions) | 5.5177% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 1,810 |
| Loan loss allowance to noncurrent loans | 338.2500% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 1,324 |
| Noncurrent loans to loans | 0.4094% | 1,893 |
| Net loans and leases to total assets | 49.8905% | 3,386 |
| Net loans and leases to deposits | 53.3727% | 3,581 |
| Net loans and leases to core deposits | 53.5281% | 3,725 |
| Total domestic deposits to total assets | 93.4756% | 397 |
| Equity capital to assets | 6.0936% | 4,179 |
| Core capital (leverage) ratio | 7.7863% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6150% | 1,535 |
| Memoranda: | ||
| Average total assets | $191,587,333 | 3,148 |
| Average earning assets | $179,963,000 | 3,134 |
| Average equity | $12,745,667 | 3,707 |
| Average total loans | $94,252,000 | 3,270 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0069% | 3,237 |
| Cost of funding earning assets | 0.1313% | 3,752 |
| Net interest margin | 2.8756% | 2,911 |
| Noninterest income to average assets | 0.7127% | 1,273 |
| Noninterest expense to average assets | 2.9850% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4025% | 3,947 |
| Return on assets (ROA) | 0.4025% | 3,912 |
| Pretax return on assets | 0.4360% | 3,974 |
| Return on Equity (ROE) | 5.8030% | 3,400 |
| Retained earnings to average equity (ytd only) | 5.8030% | 2,313 |
| Net charge-offs to loans | 0.1081% | 492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.3200% | 1,515 |
| Efficiency ratio | 87.2549% | 669 |
| Assets per employee ($millions) | 5.3877% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,656 |
| Loan loss allowance to noncurrent loans | 299.3363% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 921 |
| Noncurrent loans to loans | 0.4907% | 1,801 |
| Net loans and leases to total assets | 48.1344% | 3,372 |
| Net loans and leases to deposits | 51.6649% | 3,593 |
| Net loans and leases to core deposits | 51.8189% | 3,745 |
| Total domestic deposits to total assets | 93.1665% | 234 |
| Equity capital to assets | 6.5100% | 4,424 |
| Core capital (leverage) ratio | 7.4974% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9615% | 1,526 |
| Memoranda: | ||
| Average total assets | $190,820,500 | 3,167 |
| Average earning assets | $179,717,500 | 3,145 |
| Average equity | $13,234,500 | 3,735 |
| Average total loans | $92,527,000 | 3,291 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2335% | 3,393 |
| Cost of funding earning assets | 0.1410% | 4,058 |
| Net interest margin | 3.0925% | 2,929 |
| Noninterest income to average assets | 1.7474% | 378 |
| Noninterest expense to average assets | 3.4210% | 528 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7988% | 3,333 |
| Return on assets (ROA) | 0.7988% | 3,406 |
| Pretax return on assets | 1.2050% | 2,649 |
| Return on Equity (ROE) | 11.6275% | 1,938 |
| Retained earnings to average equity (ytd only) | 9.7175% | 989 |
| Net charge-offs to loans | -0.0032% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9511% | 1,309 |
| Assets per employee ($millions) | 5.2181% | 3,546 |
| Cash dividends to net income (ytd only)* | 16.4271% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,623 |
| Loan loss allowance to noncurrent loans | 252.3810% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6790% | 943 |
| Noncurrent loans to loans | 0.5875% | 1,670 |
| Net loans and leases to total assets | 47.4209% | 3,548 |
| Net loans and leases to deposits | 51.3869% | 3,772 |
| Net loans and leases to core deposits | 51.5373% | 3,926 |
| Total domestic deposits to total assets | 92.2821% | 120 |
| Equity capital to assets | 7.3512% | 4,641 |
| Core capital (leverage) ratio | 7.4396% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6216% | 1,357 |
| Memoranda: | ||
| Average total assets | $182,897,600 | 3,188 |
| Average earning assets | $170,249,400 | 3,184 |
| Average equity | $12,565,000 | 3,873 |
| Average total loans | $94,959,800 | 3,263 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3387% | 3,284 |
| Cost of funding earning assets | 0.1443% | 4,159 |
| Net interest margin | 3.1945% | 2,747 |
| Noninterest income to average assets | 2.0182% | 348 |
| Noninterest expense to average assets | 3.4568% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1096% | 2,518 |
| Return on assets (ROA) | 1.1096% | 2,571 |
| Pretax return on assets | 1.5244% | 1,924 |
| Return on Equity (ROE) | 16.4606% | 854 |
| Retained earnings to average equity (ytd only) | 16.4606% | 269 |
| Net charge-offs to loans | -0.0028% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3974% | 1,668 |
| Assets per employee ($millions) | 5.4793% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,483 |
| Loan loss allowance to noncurrent loans | 272.6733% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 1,100 |
| Noncurrent loans to loans | 0.5652% | 1,902 |
| Net loans and leases to total assets | 47.2254% | 3,691 |
| Net loans and leases to deposits | 50.8279% | 3,966 |
| Net loans and leases to core deposits | 50.9810% | 4,081 |
| Total domestic deposits to total assets | 92.9124% | 37 |
| Equity capital to assets | 6.7972% | 4,842 |
| Core capital (leverage) ratio | 6.7386% | 4,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9730% | 1,980 |
| Memoranda: | ||
| Average total assets | $180,354,250 | 3,240 |
| Average earning assets | $167,285,750 | 3,242 |
| Average equity | $12,158,000 | 3,966 |
| Average total loans | $95,466,250 | 3,300 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4607% | 3,007 |
| Cost of funding earning assets | 0.1475% | 4,223 |
| Net interest margin | 3.3132% | 2,401 |
| Noninterest income to average assets | 2.3109% | 275 |
| Noninterest expense to average assets | 3.6003% | 409 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4027% | 1,557 |
| Return on assets (ROA) | 1.4027% | 1,622 |
| Pretax return on assets | 1.8074% | 1,215 |
| Return on Equity (ROE) | 20.8680% | 390 |
| Retained earnings to average equity (ytd only) | 20.8680% | 133 |
| Net charge-offs to loans | -0.0021% | 3,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5768% | 2,074 |
| Assets per employee ($millions) | 5.2706% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,794 |
| Loan loss allowance to noncurrent loans | 255.7621% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6867% | 1,197 |
| Noncurrent loans to loans | 0.5646% | 1,984 |
| Net loans and leases to total assets | 49.4940% | 3,608 |
| Net loans and leases to deposits | 53.1571% | 3,916 |
| Net loans and leases to core deposits | 53.3140% | 4,056 |
| Total domestic deposits to total assets | 93.1090% | 31 |
| Equity capital to assets | 6.5832% | 4,889 |
| Core capital (leverage) ratio | 6.7378% | 4,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0468% | 1,953 |
| Memoranda: | ||
| Average total assets | $178,373,667 | 3,262 |
| Average earning assets | $166,729,000 | 3,255 |
| Average equity | $11,989,667 | 3,987 |
| Average total loans | $97,503,000 | 3,289 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 2,678 |
| Cost of funding earning assets | 0.1535% | 4,283 |
| Net interest margin | 3.4347% | 2,004 |
| Noninterest income to average assets | 2.8490% | 220 |
| Noninterest expense to average assets | 4.0998% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6144% | 1,104 |
| Return on assets (ROA) | 1.6144% | 1,155 |
| Pretax return on assets | 1.9619% | 1,014 |
| Return on Equity (ROE) | 23.7499% | 306 |
| Retained earnings to average equity (ytd only) | 23.7499% | 165 |
| Net charge-offs to loans | -0.0041% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6347% | 1,989 |
| Assets per employee ($millions) | 5.1044% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 2,235 |
| Loan loss allowance to noncurrent loans | 242.6808% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 1,233 |
| Noncurrent loans to loans | 0.5536% | 2,199 |
| Net loans and leases to total assets | 56.5562% | 2,974 |
| Net loans and leases to deposits | 61.1596% | 3,395 |
| Net loans and leases to core deposits | 61.2590% | 3,625 |
| Total domestic deposits to total assets | 92.4732% | 75 |
| Equity capital to assets | 6.6995% | 4,892 |
| Core capital (leverage) ratio | 6.8961% | 4,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0266% | 1,891 |
| Memoranda: | ||
| Average total assets | $172,690,500 | 3,305 |
| Average earning assets | $161,530,000 | 3,294 |
| Average equity | $11,739,000 | 4,026 |
| Average total loans | $98,611,500 | 3,280 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 1,828 |
| Cost of funding earning assets | 0.2226% | 4,497 |
| Net interest margin | 4.0918% | 800 |
| Noninterest income to average assets | 2.8056% | 212 |
| Noninterest expense to average assets | 4.6866% | 224 |
| Loan and lease loss provision to assets | 0.3679% | 900 |
| Net operating income to assets | 1.2482% | 1,385 |
| Return on assets (ROA) | 1.2610% | 1,462 |
| Pretax return on assets | 1.5703% | 1,133 |
| Return on Equity (ROE) | 16.8954% | 422 |
| Retained earnings to average equity (ytd only) | 14.6551% | 166 |
| Net charge-offs to loans | 0.0189% | 2,694 |
| Credit loss provision to net charge-offs | 3,105.8824% | 319 |
| Earnings coverage of net charge-offs (x) | 162.2941% | 536 |
| Efficiency ratio | 70.9150% | 1,820 |
| Assets per employee ($millions) | 4.9037% | 3,501 |
| Cash dividends to net income (ytd only)* | 13.2597% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,776 |
| Loan loss allowance to noncurrent loans | 236.2543% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 1,263 |
| Noncurrent loans to loans | 0.6139% | 2,164 |
| Net loans and leases to total assets | 56.0389% | 3,296 |
| Net loans and leases to deposits | 60.8222% | 3,693 |
| Net loans and leases to core deposits | 60.9269% | 3,890 |
| Total domestic deposits to total assets | 92.1356% | 57 |
| Equity capital to assets | 6.9029% | 4,923 |
| Core capital (leverage) ratio | 6.8263% | 4,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7479% | 1,953 |
| Memoranda: | ||
| Average total assets | $143,535,800 | 3,474 |
| Average earning assets | $133,413,800 | 3,462 |
| Average equity | $10,713,000 | 4,121 |
| Average total loans | $89,893,800 | 3,399 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 1,563 |
| Cost of funding earning assets | 0.2345% | 4,555 |
| Net interest margin | 4.2687% | 630 |
| Noninterest income to average assets | 2.5129% | 235 |
| Noninterest expense to average assets | 4.4383% | 262 |
| Loan and lease loss provision to assets | 0.2788% | 1,441 |
| Net operating income to assets | 1.4648% | 970 |
| Return on assets (ROA) | 1.4801% | 1,029 |
| Pretax return on assets | 1.7782% | 819 |
| Return on Equity (ROE) | 19.3895% | 268 |
| Retained earnings to average equity (ytd only) | 19.3895% | 88 |
| Net charge-offs to loans | 0.0271% | 2,293 |
| Credit loss provision to net charge-offs | 1,600.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 704 |
| Efficiency ratio | 68.5249% | 2,109 |
| Assets per employee ($millions) | 4.9208% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,158 |
| Loan loss allowance to noncurrent loans | 184.3902% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8764% | 1,322 |
| Noncurrent loans to loans | 0.6014% | 2,298 |
| Net loans and leases to total assets | 64.2170% | 2,747 |
| Net loans and leases to deposits | 70.0044% | 3,316 |
| Net loans and leases to core deposits | 70.1326% | 3,616 |
| Total domestic deposits to total assets | 91.7328% | 78 |
| Equity capital to assets | 7.3019% | 4,905 |
| Core capital (leverage) ratio | 7.0060% | 4,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6011% | 1,961 |
| Memoranda: | ||
| Average total assets | $137,738,000 | 3,532 |
| Average earning assets | $127,906,000 | 3,516 |
| Average equity | $10,514,000 | 4,154 |
| Average total loans | $88,665,500 | 3,442 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,466 |
| Cost of funding earning assets | 0.2524% | 4,616 |
| Net interest margin | 4.0495% | 1,220 |
| Noninterest income to average assets | 2.5663% | 215 |
| Noninterest expense to average assets | 4.8383% | 204 |
| Loan and lease loss provision to assets | 0.1830% | 2,189 |
| Net operating income to assets | 1.1199% | 1,900 |
| Return on assets (ROA) | 1.1451% | 1,950 |
| Pretax return on assets | 1.3175% | 1,977 |
| Return on Equity (ROE) | 14.7457% | 748 |
| Retained earnings to average equity (ytd only) | 14.7457% | 234 |
| Net charge-offs to loans | 0.0428% | 1,890 |
| Credit loss provision to net charge-offs | 666.6667% | 1,028 |
| Earnings coverage of net charge-offs (x) | 53.6111% | 1,054 |
| Efficiency ratio | 76.6796% | 1,194 |
| Assets per employee ($millions) | 5.3275% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 3,761 |
| Loan loss allowance to noncurrent loans | 149.0741% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 1,338 |
| Noncurrent loans to loans | 0.6424% | 2,258 |
| Net loans and leases to total assets | 62.5052% | 3,069 |
| Net loans and leases to deposits | 67.7787% | 3,590 |
| Net loans and leases to core deposits | 67.9003% | 3,867 |
| Total domestic deposits to total assets | 92.2196% | 40 |
| Equity capital to assets | 6.7136% | 4,999 |
| Core capital (leverage) ratio | 7.4099% | 4,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5942% | 2,363 |
| Memoranda: | ||
| Average total assets | $131,162,000 | 3,584 |
| Average earning assets | $121,251,000 | 3,586 |
| Average equity | $10,186,000 | 4,201 |
| Average total loans | $84,136,000 | 3,515 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4913% | 385 |
| Cost of funding earning assets | 0.2785% | 4,712 |
| Net interest margin | 5.2128% | 140 |
| Noninterest income to average assets | 0.2534% | 4,034 |
| Noninterest expense to average assets | 4.3756% | 340 |
| Loan and lease loss provision to assets | 0.0753% | 2,789 |
| Net operating income to assets | 1.0237% | 2,101 |
| Return on assets (ROA) | 1.0203% | 2,215 |
| Pretax return on assets | 0.6060% | 3,908 |
| Return on Equity (ROE) | 12.0234% | 1,100 |
| Retained earnings to average equity (ytd only) | 12.0234% | 428 |
| Net charge-offs to loans | -0.0053% | 3,887 |
| Credit loss provision to net charge-offs | -2,200.0000% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4682% | 669 |
| Assets per employee ($millions) | 4.0808% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,881 |
| Loan loss allowance to noncurrent loans | 142.8341% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 1,576 |
| Noncurrent loans to loans | 0.8119% | 1,982 |
| Net loans and leases to total assets | 63.8860% | 3,079 |
| Net loans and leases to deposits | 70.2894% | 3,567 |
| Net loans and leases to core deposits | 70.4624% | 3,851 |
| Total domestic deposits to total assets | 90.8900% | 122 |
| Equity capital to assets | 8.6774% | 4,754 |
| Core capital (leverage) ratio | 8.4519% | 4,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9325% | 2,740 |
| Memoranda: | ||
| Average total assets | $116,830,500 | 3,754 |
| Average earning assets | $107,734,500 | 3,758 |
| Average equity | $9,914,000 | 4,251 |
| Average total loans | $75,771,500 | 3,646 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1049% | 1,205 |
| Cost of funding earning assets | 0.3125% | 4,700 |
| Net interest margin | 4.7924% | 402 |
| Noninterest income to average assets | 0.2951% | 3,918 |
| Noninterest expense to average assets | 3.8154% | 657 |
| Loan and lease loss provision to assets | 0.0746% | 2,499 |
| Net operating income to assets | 0.6398% | 4,039 |
| Return on assets (ROA) | 0.6501% | 4,088 |
| Pretax return on assets | 0.8636% | 3,842 |
| Return on Equity (ROE) | 8.1157% | 3,119 |
| Retained earnings to average equity (ytd only) | 5.5152% | 2,154 |
| Net charge-offs to loans | -0.0042% | 4,315 |
| Credit loss provision to net charge-offs | -2,866.6667% | 4,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4833% | 903 |
| Assets per employee ($millions) | 4.2711% | 3,545 |
| Cash dividends to net income (ytd only)* | 32.0427% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 2,685 |
| Loan loss allowance to noncurrent loans | 136.2776% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.2687% | 880 |
| Noncurrent loans to loans | 0.8447% | 1,822 |
| Net loans and leases to total assets | 64.3329% | 3,152 |
| Net loans and leases to deposits | 70.6109% | 3,616 |
| Net loans and leases to core deposits | 70.7867% | 3,922 |
| Total domestic deposits to total assets | 91.1090% | 106 |
| Equity capital to assets | 8.2892% | 4,982 |
| Core capital (leverage) ratio | 8.0882% | 5,012 |
| Tier 1 risk-based capital ratio | 11.9989% | 4,364 |
| Total risk-based capital ratio | 13.0860% | 4,328 |
| Memoranda: | ||
| Average total assets | $115,217,800 | 3,759 |
| Average earning assets | $106,877,800 | 3,764 |
| Average equity | $9,229,000 | 4,341 |
| Average total loans | $71,852,800 | 3,741 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9515% | 1,676 |
| Cost of funding earning assets | 0.3172% | 4,759 |
| Net interest margin | 4.6343% | 570 |
| Noninterest income to average assets | 0.2824% | 4,053 |
| Noninterest expense to average assets | 3.7166% | 735 |
| Loan and lease loss provision to assets | 0.0752% | 2,385 |
| Net operating income to assets | 0.6308% | 4,215 |
| Return on assets (ROA) | 0.6447% | 4,223 |
| Pretax return on assets | 0.8033% | 4,110 |
| Return on Equity (ROE) | 8.1195% | 3,254 |
| Retained earnings to average equity (ytd only) | 8.1195% | 1,344 |
| Net charge-offs to loans | -0.0038% | 4,146 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1884% | 816 |
| Assets per employee ($millions) | 4.4272% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,579 |
| Loan loss allowance to noncurrent loans | 129.7381% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.2490% | 994 |
| Noncurrent loans to loans | 0.9141% | 1,750 |
| Net loans and leases to total assets | 58.6924% | 3,810 |
| Net loans and leases to deposits | 64.1380% | 4,162 |
| Net loans and leases to core deposits | 64.7501% | 4,336 |
| Total domestic deposits to total assets | 91.5096% | 60 |
| Equity capital to assets | 8.0370% | 5,120 |
| Core capital (leverage) ratio | 8.0320% | 5,115 |
| Tier 1 risk-based capital ratio | 12.5158% | 4,134 |
| Total risk-based capital ratio | 13.6153% | 4,097 |
| Memoranda: | ||
| Average total assets | $115,192,500 | 3,805 |
| Average earning assets | $106,767,250 | 3,806 |
| Average equity | $9,146,500 | 4,401 |
| Average total loans | $71,053,000 | 3,799 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 2,329 |
| Cost of funding earning assets | 0.3288% | 4,740 |
| Net interest margin | 4.3827% | 972 |
| Noninterest income to average assets | 0.2374% | 4,336 |
| Noninterest expense to average assets | 3.6503% | 801 |
| Loan and lease loss provision to assets | 0.0756% | 2,304 |
| Net operating income to assets | 0.4871% | 4,557 |
| Return on assets (ROA) | 0.4871% | 4,592 |
| Pretax return on assets | 0.5662% | 4,600 |
| Return on Equity (ROE) | 6.1603% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.1603% | 2,212 |
| Net charge-offs to loans | -0.0056% | 4,159 |
| Credit loss provision to net charge-offs | -2,150.0000% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0471% | 593 |
| Assets per employee ($millions) | 4.2576% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 2,965 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.3049% | 973 |
| Noncurrent loans to loans | 0.8959% | 1,823 |
| Net loans and leases to total assets | 62.9861% | 3,451 |
| Net loans and leases to deposits | 68.7724% | 3,922 |
| Net loans and leases to core deposits | 69.9579% | 4,111 |
| Total domestic deposits to total assets | 91.5862% | 57 |
| Equity capital to assets | 8.1137% | 5,156 |
| Core capital (leverage) ratio | 8.2269% | 5,098 |
| Tier 1 risk-based capital ratio | 11.8013% | 4,521 |
| Total risk-based capital ratio | 12.8413% | 4,531 |
| Memoranda: | ||
| Average total assets | $113,745,000 | 3,848 |
| Average earning assets | $105,231,670 | 3,856 |
| Average equity | $8,993,000 | 4,434 |
| Average total loans | $71,070,670 | 3,817 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 3,043 |
| Cost of funding earning assets | 0.3457% | 4,694 |
| Net interest margin | 4.1059% | 1,535 |
| Noninterest income to average assets | 0.1202% | 5,014 |
| Noninterest expense to average assets | 3.5107% | 957 |
| Loan and lease loss provision to assets | 0.0742% | 2,190 |
| Net operating income to assets | 0.2616% | 4,946 |
| Return on assets (ROA) | 0.2616% | 4,953 |
| Pretax return on assets | 0.3147% | 4,945 |
| Return on Equity (ROE) | 3.3537% | 4,709 |
| Retained earnings to average equity (ytd only) | 3.3537% | 3,577 |
| Net charge-offs to loans | -0.0057% | 4,064 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0272% | 391 |
| Assets per employee ($millions) | 4.3684% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,070 |
| Loan loss allowance to noncurrent loans | 172.8850% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.1490% | 1,183 |
| Noncurrent loans to loans | 0.6418% | 2,406 |
| Net loans and leases to total assets | 62.5353% | 3,453 |
| Net loans and leases to deposits | 68.2021% | 3,909 |
| Net loans and leases to core deposits | 70.2313% | 4,073 |
| Total domestic deposits to total assets | 91.6912% | 77 |
| Equity capital to assets | 7.9002% | 5,204 |
| Core capital (leverage) ratio | 8.1992% | 5,138 |
| Tier 1 risk-based capital ratio | 11.6312% | 4,669 |
| Total risk-based capital ratio | 12.6497% | 4,690 |
| Memoranda: | ||
| Average total assets | $113,140,500 | 3,893 |
| Average earning assets | $104,142,500 | 3,912 |
| Average equity | $8,826,000 | 4,494 |
| Average total loans | $69,993,500 | 3,864 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 3,819 |
| Cost of funding earning assets | 0.2292% | 4,892 |
| Net interest margin | 3.8456% | 2,519 |
| Noninterest income to average assets | 0.3580% | 3,701 |
| Noninterest expense to average assets | 3.1137% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5770% | 4,479 |
| Return on assets (ROA) | 0.5763% | 4,488 |
| Pretax return on assets | 0.7704% | 4,245 |
| Return on Equity (ROE) | 7.6411% | 3,599 |
| Retained earnings to average equity (ytd only) | 4.8067% | 2,886 |
| Net charge-offs to loans | -0.0031% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1467% | 949 |
| Assets per employee ($millions) | 4.5081% | 3,154 |
| Cash dividends to net income (ytd only)* | 37.0943% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 2,890 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 1.2830% | 997 |
| Noncurrent loans to loans | 0.6822% | 2,285 |
| Net loans and leases to total assets | 59.7931% | 3,803 |
| Net loans and leases to deposits | 65.0595% | 4,181 |
| Net loans and leases to core deposits | 66.2212% | 4,339 |
| Total domestic deposits to total assets | 91.9052% | 80 |
| Equity capital to assets | 7.7008% | 5,242 |
| Core capital (leverage) ratio | 8.1180% | 5,200 |
| Tier 1 risk-based capital ratio | 11.8661% | 4,525 |
| Total risk-based capital ratio | 12.8848% | 4,537 |
| Memoranda: | ||
| Average total assets | $112,276,800 | 3,906 |
| Average earning assets | $102,975,600 | 3,935 |
| Average equity | $8,467,400 | 4,533 |
| Average total loans | $64,662,400 | 3,992 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 4,291 |
| Cost of funding earning assets | 0.2015% | 5,015 |
| Net interest margin | 3.6636% | 3,151 |
| Noninterest income to average assets | 0.3209% | 4,002 |
| Noninterest expense to average assets | 2.9728% | 2,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5109% | 4,737 |
| Return on assets (ROA) | 0.5099% | 4,741 |
| Pretax return on assets | 0.7179% | 4,493 |
| Return on Equity (ROE) | 6.7977% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.7977% | 2,237 |
| Net charge-offs to loans | -0.0042% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5216% | 899 |
| Assets per employee ($millions) | 4.8707% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,848 |
| Loan loss allowance to noncurrent loans | 165.2452% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4318% | 922 |
| Noncurrent loans to loans | 0.7014% | 2,320 |
| Net loans and leases to total assets | 59.0002% | 3,947 |
| Net loans and leases to deposits | 65.3675% | 4,250 |
| Net loans and leases to core deposits | 65.5340% | 4,428 |
| Total domestic deposits to total assets | 90.2593% | 425 |
| Equity capital to assets | 7.6188% | 5,284 |
| Core capital (leverage) ratio | 8.0109% | 5,313 |
| Tier 1 risk-based capital ratio | 12.0602% | 4,468 |
| Total risk-based capital ratio | 13.0930% | 4,470 |
| Memoranda: | ||
| Average total assets | $112,170,500 | 3,952 |
| Average earning assets | $103,211,250 | 3,970 |
| Average equity | $8,414,500 | 4,588 |
| Average total loans | $63,787,250 | 4,049 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6940% | 4,601 |
| Cost of funding earning assets | 0.1874% | 5,087 |
| Net interest margin | 3.5066% | 3,607 |
| Noninterest income to average assets | 0.2905% | 4,239 |
| Noninterest expense to average assets | 2.7945% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4723% | 4,817 |
| Return on assets (ROA) | 0.4723% | 4,821 |
| Pretax return on assets | 0.7307% | 4,433 |
| Return on Equity (ROE) | 6.3289% | 4,131 |
| Retained earnings to average equity (ytd only) | 6.3289% | 2,398 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2720% | 1,091 |
| Assets per employee ($millions) | 4.9242% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,723 |
| Loan loss allowance to noncurrent loans | 163.4249% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.6644% | 749 |
| Noncurrent loans to loans | 0.7337% | 2,275 |
| Net loans and leases to total assets | 56.2363% | 4,144 |
| Net loans and leases to deposits | 60.9122% | 4,483 |
| Net loans and leases to core deposits | 61.2826% | 4,643 |
| Total domestic deposits to total assets | 92.3236% | 62 |
| Equity capital to assets | 7.4292% | 5,391 |
| Core capital (leverage) ratio | 7.9306% | 5,368 |
| Tier 1 risk-based capital ratio | 12.2574% | 4,335 |
| Total risk-based capital ratio | 13.3238% | 4,327 |
| Memoranda: | ||
| Average total assets | $112,219,000 | 3,982 |
| Average earning assets | $103,518,330 | 3,996 |
| Average equity | $8,374,330 | 4,637 |
| Average total loans | $62,759,670 | 4,102 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 4,635 |
| Cost of funding earning assets | 0.1895% | 5,082 |
| Net interest margin | 3.4425% | 3,733 |
| Noninterest income to average assets | 0.2650% | 4,408 |
| Noninterest expense to average assets | 2.6428% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4906% | 4,717 |
| Return on assets (ROA) | 0.4906% | 4,725 |
| Pretax return on assets | 0.8093% | 4,122 |
| Return on Equity (ROE) | 6.5593% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.5593% | 2,471 |
| Net charge-offs to loans | 0.0065% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 295 |
| Efficiency ratio | 76.5560% | 1,509 |
| Assets per employee ($millions) | 5.5896% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,618 |
| Loan loss allowance to noncurrent loans | 161.8449% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.6969% | 754 |
| Noncurrent loans to loans | 0.7615% | 2,295 |
| Net loans and leases to total assets | 55.3452% | 4,176 |
| Net loans and leases to deposits | 59.9630% | 4,473 |
| Net loans and leases to core deposits | 60.3319% | 4,634 |
| Total domestic deposits to total assets | 92.2990% | 78 |
| Equity capital to assets | 7.4416% | 5,436 |
| Core capital (leverage) ratio | 7.8296% | 5,436 |
| Tier 1 risk-based capital ratio | 12.3830% | 4,319 |
| Total risk-based capital ratio | 13.4745% | 4,314 |
| Memoranda: | ||
| Average total assets | $111,700,500 | 4,033 |
| Average earning assets | $103,412,500 | 4,042 |
| Average equity | $8,354,500 | 4,688 |
| Average total loans | $61,907,500 | 4,156 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 4,584 |
| Cost of funding earning assets | 0.2023% | 4,933 |
| Net interest margin | 3.3925% | 3,874 |
| Noninterest income to average assets | 0.2720% | 4,497 |
| Noninterest expense to average assets | 2.7310% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5311% | 4,287 |
| Return on assets (ROA) | 0.5311% | 4,319 |
| Pretax return on assets | 0.6534% | 4,620 |
| Return on Equity (ROE) | 6.8923% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.0304% | 2,770 |
| Net charge-offs to loans | -0.0050% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6951% | 1,045 |
| Assets per employee ($millions) | 6.2006% | 1,385 |
| Cash dividends to net income (ytd only)* | 41.5225% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,415 |
| Loan loss allowance to noncurrent loans | 160.4990% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.7104% | 745 |
| Noncurrent loans to loans | 0.7863% | 2,254 |
| Net loans and leases to total assets | 54.1170% | 4,351 |
| Net loans and leases to deposits | 58.7726% | 4,654 |
| Net loans and leases to core deposits | 59.1334% | 4,795 |
| Total domestic deposits to total assets | 92.0787% | 75 |
| Equity capital to assets | 7.5172% | 5,533 |
| Core capital (leverage) ratio | 7.6958% | 5,520 |
| Tier 1 risk-based capital ratio | 12.3899% | 4,269 |
| Total risk-based capital ratio | 13.5042% | 4,267 |
| Memoranda: | ||
| Average total assets | $108,823,400 | 4,085 |
| Average earning assets | $99,838,800 | 4,098 |
| Average equity | $8,386,200 | 4,721 |
| Average total loans | $59,442,600 | 4,212 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5617% | 4,654 |
| Cost of funding earning assets | 0.2050% | 4,935 |
| Net interest margin | 3.3567% | 3,991 |
| Noninterest income to average assets | 0.3243% | 4,216 |
| Noninterest expense to average assets | 2.7412% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4886% | 4,765 |
| Return on assets (ROA) | 0.4895% | 4,796 |
| Pretax return on assets | 0.6535% | 4,718 |
| Return on Equity (ROE) | 6.3125% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.3125% | 2,051 |
| Net charge-offs to loans | -0.0045% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7776% | 1,015 |
| Assets per employee ($millions) | 6.1381% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,529 |
| Loan loss allowance to noncurrent loans | 159.5041% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4373% | 1,067 |
| Noncurrent loans to loans | 0.7953% | 2,369 |
| Net loans and leases to total assets | 54.3848% | 4,384 |
| Net loans and leases to deposits | 59.2796% | 4,675 |
| Net loans and leases to core deposits | 59.6486% | 4,832 |
| Total domestic deposits to total assets | 91.7428% | 80 |
| Equity capital to assets | 7.8164% | 5,564 |
| Core capital (leverage) ratio | 7.9319% | 5,533 |
| Tier 1 risk-based capital ratio | 12.7129% | 4,198 |
| Total risk-based capital ratio | 13.8484% | 4,167 |
| Memoranda: | ||
| Average total assets | $108,126,750 | 4,136 |
| Average earning assets | $98,863,250 | 4,162 |
| Average equity | $8,385,250 | 4,770 |
| Average total loans | $59,010,250 | 4,270 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5201% | 4,716 |
| Cost of funding earning assets | 0.2012% | 4,968 |
| Net interest margin | 3.3189% | 4,054 |
| Noninterest income to average assets | 0.3074% | 4,338 |
| Noninterest expense to average assets | 2.7706% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4179% | 4,939 |
| Return on assets (ROA) | 0.4192% | 4,963 |
| Pretax return on assets | 0.5813% | 4,841 |
| Return on Equity (ROE) | 5.4206% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.4206% | 2,459 |
| Net charge-offs to loans | -0.0034% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7030% | 944 |
| Assets per employee ($millions) | 6.0064% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,478 |
| Loan loss allowance to noncurrent loans | 157.9918% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 653 |
| Noncurrent loans to loans | 0.8147% | 2,371 |
| Net loans and leases to total assets | 54.6876% | 4,342 |
| Net loans and leases to deposits | 59.5614% | 4,665 |
| Net loans and leases to core deposits | 59.9394% | 4,825 |
| Total domestic deposits to total assets | 91.8171% | 88 |
| Equity capital to assets | 7.8305% | 5,593 |
| Core capital (leverage) ratio | 7.8716% | 5,572 |
| Tier 1 risk-based capital ratio | 12.5506% | 4,271 |
| Total risk-based capital ratio | 13.6929% | 4,220 |
| Memoranda: | ||
| Average total assets | $107,340,670 | 4,177 |
| Average earning assets | $98,407,000 | 4,193 |
| Average equity | $8,301,670 | 4,801 |
| Average total loans | $58,394,000 | 4,302 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 4,757 |
| Cost of funding earning assets | 0.2043% | 4,941 |
| Net interest margin | 3.2725% | 4,107 |
| Noninterest income to average assets | 0.3067% | 4,368 |
| Noninterest expense to average assets | 2.7451% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3975% | 4,949 |
| Return on assets (ROA) | 0.4002% | 4,965 |
| Pretax return on assets | 0.5610% | 4,815 |
| Return on Equity (ROE) | 5.2071% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.2071% | 2,782 |
| Net charge-offs to loans | -0.0069% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1257% | 1,051 |
| Assets per employee ($millions) | 6.0639% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 2,491 |
| Loan loss allowance to noncurrent loans | 156.7073% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.9560% | 680 |
| Noncurrent loans to loans | 0.8358% | 2,367 |
| Net loans and leases to total assets | 53.2217% | 4,403 |
| Net loans and leases to deposits | 57.8087% | 4,712 |
| Net loans and leases to core deposits | 58.1711% | 4,873 |
| Total domestic deposits to total assets | 92.0651% | 97 |
| Equity capital to assets | 7.6051% | 5,656 |
| Core capital (leverage) ratio | 7.8665% | 5,606 |
| Tier 1 risk-based capital ratio | 12.4931% | 4,392 |
| Total risk-based capital ratio | 13.6462% | 4,358 |
| Memoranda: | ||
| Average total assets | $106,953,000 | 4,228 |
| Average earning assets | $97,906,000 | 4,236 |
| Average equity | $8,219,500 | 4,853 |
| Average total loans | $57,642,500 | 4,363 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 4,921 |
| Cost of funding earning assets | 0.2305% | 4,733 |
| Net interest margin | 3.2007% | 4,451 |
| Noninterest income to average assets | 0.4049% | 3,837 |
| Noninterest expense to average assets | 2.7743% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4770% | 4,723 |
| Return on assets (ROA) | 0.4770% | 4,798 |
| Pretax return on assets | 0.5500% | 4,922 |
| Return on Equity (ROE) | 5.9298% | 4,011 |
| Retained earnings to average equity (ytd only) | 3.0254% | 3,744 |
| Net charge-offs to loans | 0.3431% | 796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.0707% | 3,726 |
| Efficiency ratio | 83.4553% | 1,062 |
| Assets per employee ($millions) | 5.5134% | 1,857 |
| Cash dividends to net income (ytd only)* | 48.9796% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 2,240 |
| Loan loss allowance to noncurrent loans | 155.2419% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 2.0390% | 666 |
| Noncurrent loans to loans | 0.8791% | 2,345 |
| Net loans and leases to total assets | 53.1259% | 4,513 |
| Net loans and leases to deposits | 57.7704% | 4,806 |
| Net loans and leases to core deposits | 57.9944% | 4,966 |
| Total domestic deposits to total assets | 91.9603% | 104 |
| Equity capital to assets | 7.7686% | 5,644 |
| Core capital (leverage) ratio | 7.8363% | 5,671 |
| Tier 1 risk-based capital ratio | 12.7395% | 4,249 |
| Total risk-based capital ratio | 13.9291% | 4,163 |
| Memoranda: | ||
| Average total assets | $102,728,800 | 4,311 |
| Average earning assets | $93,697,800 | 4,314 |
| Average equity | $8,263,400 | 4,890 |
| Average total loans | $53,635,000 | 4,469 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4158% | 4,992 |
| Cost of funding earning assets | 0.2349% | 4,756 |
| Net interest margin | 3.1809% | 4,536 |
| Noninterest income to average assets | 0.4226% | 3,749 |
| Noninterest expense to average assets | 2.8251% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4552% | 4,854 |
| Return on assets (ROA) | 0.4552% | 4,937 |
| Pretax return on assets | 0.4943% | 5,138 |
| Return on Equity (ROE) | 5.6098% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.6098% | 2,429 |
| Net charge-offs to loans | 0.4659% | 454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.0486% | 3,621 |
| Efficiency ratio | 85.1081% | 893 |
| Assets per employee ($millions) | 4.8154% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 2,320 |
| Loan loss allowance to noncurrent loans | 153.8000% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 2.0578% | 751 |
| Noncurrent loans to loans | 0.8936% | 2,470 |
| Net loans and leases to total assets | 52.0918% | 4,653 |
| Net loans and leases to deposits | 56.8367% | 4,944 |
| Net loans and leases to core deposits | 56.9981% | 5,097 |
| Total domestic deposits to total assets | 91.6517% | 102 |
| Equity capital to assets | 8.0377% | 5,727 |
| Core capital (leverage) ratio | 7.9810% | 5,698 |
| Tier 1 risk-based capital ratio | 13.1746% | 4,049 |
| Total risk-based capital ratio | 14.3885% | 3,982 |
| Memoranda: | ||
| Average total assets | $102,222,250 | 4,351 |
| Average earning assets | $93,095,750 | 4,363 |
| Average equity | $8,294,750 | 4,936 |
| Average total loans | $52,938,250 | 4,528 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4314% | 5,019 |
| Cost of funding earning assets | 0.2375% | 4,779 |
| Net interest margin | 3.1940% | 4,557 |
| Noninterest income to average assets | 0.4595% | 3,461 |
| Noninterest expense to average assets | 2.8836% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4793% | 4,769 |
| Return on assets (ROA) | 0.4793% | 4,868 |
| Pretax return on assets | 0.4793% | 5,174 |
| Return on Equity (ROE) | 5.8871% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.8871% | 2,192 |
| Net charge-offs to loans | 0.7163% | 290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.3011% | 3,430 |
| Efficiency ratio | 85.7479% | 905 |
| Assets per employee ($millions) | 4.9850% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 2,178 |
| Loan loss allowance to noncurrent loans | 152.5794% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 2.5630% | 527 |
| Noncurrent loans to loans | 0.9348% | 2,407 |
| Net loans and leases to total assets | 50.7661% | 4,787 |
| Net loans and leases to deposits | 55.3814% | 5,055 |
| Net loans and leases to core deposits | 55.5365% | 5,198 |
| Total domestic deposits to total assets | 91.6663% | 111 |
| Equity capital to assets | 8.0662% | 5,785 |
| Core capital (leverage) ratio | 8.1610% | 5,621 |
| Tier 1 risk-based capital ratio | 13.3562% | 3,983 |
| Total risk-based capital ratio | 14.6030% | 3,901 |
| Memoranda: | ||
| Average total assets | $100,983,670 | 4,410 |
| Average earning assets | $91,798,330 | 4,426 |
| Average equity | $8,221,330 | 4,989 |
| Average total loans | $51,933,000 | 4,588 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3769% | 5,172 |
| Cost of funding earning assets | 0.2317% | 4,886 |
| Net interest margin | 3.1453% | 4,741 |
| Noninterest income to average assets | 0.4075% | 3,767 |
| Noninterest expense to average assets | 2.8689% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3874% | 5,034 |
| Return on assets (ROA) | 0.3874% | 5,109 |
| Pretax return on assets | 0.3874% | 5,334 |
| Return on Equity (ROE) | 4.7349% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.7349% | 3,099 |
| Net charge-offs to loans | -0.0079% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1041% | 809 |
| Assets per employee ($millions) | 4.7517% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 1,093 |
| Loan loss allowance to noncurrent loans | 193.3198% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 3.1017% | 398 |
| Noncurrent loans to loans | 0.9464% | 2,482 |
| Net loans and leases to total assets | 51.3544% | 4,697 |
| Net loans and leases to deposits | 56.1350% | 4,976 |
| Net loans and leases to core deposits | 56.3003% | 5,121 |
| Total domestic deposits to total assets | 91.4837% | 160 |
| Equity capital to assets | 8.2307% | 5,725 |
| Core capital (leverage) ratio | 8.2195% | 5,641 |
| Tier 1 risk-based capital ratio | 13.4300% | 4,024 |
| Total risk-based capital ratio | 14.6847% | 3,946 |
| Memoranda: | ||
| Average total assets | $99,133,500 | 4,484 |
| Average earning assets | $89,785,500 | 4,505 |
| Average equity | $8,110,000 | 5,038 |
| Average total loans | $50,943,000 | 4,647 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 5,213 |
| Cost of funding earning assets | 0.2513% | 4,774 |
| Net interest margin | 3.1244% | 4,846 |
| Noninterest income to average assets | 0.3149% | 4,639 |
| Noninterest expense to average assets | 2.9111% | 2,823 |
| Loan and lease loss provision to assets | -0.1564% | 5,930 |
| Net operating income to assets | 0.3858% | 5,095 |
| Return on assets (ROA) | 0.3910% | 5,160 |
| Pretax return on assets | 0.3910% | 5,337 |
| Return on Equity (ROE) | 4.7118% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.6962% | 4,761 |
| Net charge-offs to loans | -0.2521% | 5,992 |
| Credit loss provision to net charge-offs | 120.9677% | 2,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6959% | 540 |
| Assets per employee ($millions) | 4.6896% | 2,741 |
| Cash dividends to net income (ytd only)* | 64.0000% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 918 |
| Loan loss allowance to noncurrent loans | 205.6034% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 3.2737% | 385 |
| Noncurrent loans to loans | 0.9338% | 2,470 |
| Net loans and leases to total assets | 49.4842% | 4,913 |
| Net loans and leases to deposits | 54.0056% | 5,164 |
| Net loans and leases to core deposits | 54.1664% | 5,305 |
| Total domestic deposits to total assets | 91.6279% | 155 |
| Equity capital to assets | 8.1304% | 5,791 |
| Core capital (leverage) ratio | 8.0751% | 5,791 |
| Tier 1 risk-based capital ratio | 13.7653% | 3,846 |
| Total risk-based capital ratio | 15.0203% | 3,777 |
| Memoranda: | ||
| Average total assets | $95,910,400 | 4,541 |
| Average earning assets | $86,737,200 | 4,570 |
| Average equity | $7,958,800 | 5,072 |
| Average total loans | $49,180,800 | 4,694 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,211 |
| Cost of funding earning assets | 0.2537% | 4,836 |
| Net interest margin | 3.1437% | 4,835 |
| Noninterest income to average assets | 0.4618% | 3,617 |
| Noninterest expense to average assets | 2.9418% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3639% | 5,281 |
| Return on assets (ROA) | 0.3709% | 5,338 |
| Pretax return on assets | 0.3709% | 5,524 |
| Return on Equity (ROE) | 4.4461% | 4,853 |
| Retained earnings to average equity (ytd only) | 0.4194% | 5,499 |
| Net charge-offs to loans | -0.3370% | 6,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9924% | 762 |
| Assets per employee ($millions) | 4.7014% | 2,704 |
| Cash dividends to net income (ytd only)* | 90.5666% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1820% | 688 |
| Loan loss allowance to noncurrent loans | 236.4026% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 3.4590% | 379 |
| Noncurrent loans to loans | 0.9230% | 2,673 |
| Net loans and leases to total assets | 50.1291% | 4,922 |
| Net loans and leases to deposits | 54.7448% | 5,203 |
| Net loans and leases to core deposits | 54.9075% | 5,359 |
| Total domestic deposits to total assets | 91.5688% | 147 |
| Equity capital to assets | 8.0939% | 5,924 |
| Core capital (leverage) ratio | 8.1308% | 5,825 |
| Tier 1 risk-based capital ratio | 13.4092% | 4,188 |
| Total risk-based capital ratio | 14.6676% | 4,109 |
| Memoranda: | ||
| Average total assets | $95,267,500 | 4,615 |
| Average earning assets | $86,179,750 | 4,635 |
| Average equity | $7,946,750 | 5,139 |
| Average total loans | $49,054,250 | 4,751 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3682% | 5,296 |
| Cost of funding earning assets | 0.2591% | 4,844 |
| Net interest margin | 3.1091% | 4,949 |
| Noninterest income to average assets | 0.4590% | 3,639 |
| Noninterest expense to average assets | 2.9688% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2954% | 5,448 |
| Return on assets (ROA) | 0.2975% | 5,547 |
| Pretax return on assets | 0.2975% | 5,667 |
| Return on Equity (ROE) | 3.5300% | 5,210 |
| Retained earnings to average equity (ytd only) | 0.5043% | 5,352 |
| Net charge-offs to loans | -0.5068% | 6,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9505% | 691 |
| Assets per employee ($millions) | 4.5637% | 2,878 |
| Cash dividends to net income (ytd only)* | 85.7143% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1863% | 747 |
| Loan loss allowance to noncurrent loans | 241.3567% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 3.6071% | 389 |
| Noncurrent loans to loans | 0.9058% | 2,857 |
| Net loans and leases to total assets | 51.4900% | 4,802 |
| Net loans and leases to deposits | 56.3148% | 5,104 |
| Net loans and leases to core deposits | 56.4837% | 5,278 |
| Total domestic deposits to total assets | 91.4324% | 196 |
| Equity capital to assets | 8.2890% | 5,838 |
| Core capital (leverage) ratio | 8.4761% | 5,553 |
| Tier 1 risk-based capital ratio | 13.9912% | 3,931 |
| Total risk-based capital ratio | 15.2501% | 3,858 |
| Memoranda: | ||
| Average total assets | $94,113,670 | 4,679 |
| Average earning assets | $84,912,330 | 4,712 |
| Average equity | $7,932,000 | 5,181 |
| Average total loans | $48,540,330 | 4,802 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 5,225 |
| Cost of funding earning assets | 0.2710% | 4,775 |
| Net interest margin | 3.1187% | 4,888 |
| Noninterest income to average assets | 0.4590% | 3,581 |
| Noninterest expense to average assets | 2.9769% | 2,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2960% | 5,434 |
| Return on assets (ROA) | 0.2960% | 5,531 |
| Pretax return on assets | 0.2960% | 5,658 |
| Return on Equity (ROE) | 3.4822% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.4822% | 3,906 |
| Net charge-offs to loans | -1.0255% | 6,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9567% | 784 |
| Assets per employee ($millions) | 4.2409% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2516% | 748 |
| Loan loss allowance to noncurrent loans | 301.9178% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 3.6860% | 431 |
| Noncurrent loans to loans | 0.7458% | 3,396 |
| Net loans and leases to total assets | 51.2755% | 4,722 |
| Net loans and leases to deposits | 56.3659% | 5,025 |
| Net loans and leases to core deposits | 56.5404% | 5,219 |
| Total domestic deposits to total assets | 90.9689% | 381 |
| Equity capital to assets | 8.5949% | 5,669 |
| Core capital (leverage) ratio | 8.4886% | 5,527 |
| Tier 1 risk-based capital ratio | 14.6548% | 3,622 |
| Total risk-based capital ratio | 15.9135% | 3,547 |
| Memoranda: | ||
| Average total assets | $93,251,500 | 4,745 |
| Average earning assets | $84,138,500 | 4,770 |
| Average equity | $7,926,000 | 5,229 |
| Average total loans | $47,585,500 | 4,865 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3348% | 5,649 |
| Cost of funding earning assets | 0.2951% | 4,839 |
| Net interest margin | 3.0396% | 5,348 |
| Noninterest income to average assets | 0.5839% | 2,958 |
| Noninterest expense to average assets | 2.9881% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3045% | 5,503 |
| Return on assets (ROA) | 0.3099% | 5,563 |
| Pretax return on assets | 0.3099% | 5,684 |
| Return on Equity (ROE) | 3.6792% | 5,243 |
| Retained earnings to average equity (ytd only) | 2.2542% | 4,637 |
| Net charge-offs to loans | 0.4505% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.3676% | 4,437 |
| Efficiency ratio | 90.7524% | 803 |
| Assets per employee ($millions) | 4.2365% | 3,468 |
| Cash dividends to net income (ytd only)* | 38.7324% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1199% | 920 |
| Loan loss allowance to noncurrent loans | 265.5827% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 3.7037% | 486 |
| Noncurrent loans to loans | 0.7982% | 3,311 |
| Net loans and leases to total assets | 48.5489% | 5,111 |
| Net loans and leases to deposits | 53.2498% | 5,386 |
| Net loans and leases to core deposits | 53.7635% | 5,514 |
| Total domestic deposits to total assets | 91.1720% | 312 |
| Equity capital to assets | 8.4042% | 5,824 |
| Core capital (leverage) ratio | 8.4213% | 5,642 |
| Tier 1 risk-based capital ratio | 15.2987% | 3,315 |
| Total risk-based capital ratio | 16.5560% | 3,263 |
| Memoranda: | ||
| Average total assets | $91,631,200 | 4,794 |
| Average earning assets | $81,654,400 | 4,863 |
| Average equity | $7,719,000 | 5,264 |
| Average total loans | $45,281,000 | 4,989 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2948% | 5,781 |
| Cost of funding earning assets | 0.2989% | 4,898 |
| Net interest margin | 2.9959% | 5,514 |
| Noninterest income to average assets | 0.5495% | 3,208 |
| Noninterest expense to average assets | 2.9870% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2280% | 5,790 |
| Return on assets (ROA) | 0.2323% | 5,832 |
| Pretax return on assets | 0.2323% | 5,897 |
| Return on Equity (ROE) | 2.7565% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.7565% | 4,632 |
| Net charge-offs to loans | 0.6038% | 615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.7647% | 4,320 |
| Efficiency ratio | 92.9091% | 651 |
| Assets per employee ($millions) | 4.4475% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 996 |
| Loan loss allowance to noncurrent loans | 264.1509% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 3.9359% | 514 |
| Noncurrent loans to loans | 0.8192% | 3,529 |
| Net loans and leases to total assets | 47.4384% | 5,255 |
| Net loans and leases to deposits | 52.0904% | 5,523 |
| Net loans and leases to core deposits | 52.5925% | 5,651 |
| Total domestic deposits to total assets | 91.0693% | 347 |
| Equity capital to assets | 8.3418% | 5,911 |
| Core capital (leverage) ratio | 8.4780% | 5,677 |
| Tier 1 risk-based capital ratio | 15.3202% | 3,414 |
| Total risk-based capital ratio | 16.5778% | 3,344 |
| Memoranda: | ||
| Average total assets | $91,238,250 | 4,860 |
| Average earning assets | $81,176,000 | 4,922 |
| Average equity | $7,690,500 | 5,315 |
| Average total loans | $45,044,000 | 5,047 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2246% | 5,916 |
| Cost of funding earning assets | 0.2983% | 4,985 |
| Net interest margin | 2.9263% | 5,682 |
| Noninterest income to average assets | 0.5082% | 3,415 |
| Noninterest expense to average assets | 3.0071% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1016% | 6,045 |
| Return on assets (ROA) | 0.1061% | 6,071 |
| Pretax return on assets | 0.1061% | 6,088 |
| Return on Equity (ROE) | 1.2538% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.2538% | 5,250 |
| Net charge-offs to loans | 0.9074% | 399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.2255% | 4,089 |
| Efficiency ratio | 96.7306% | 522 |
| Assets per employee ($millions) | 4.5367% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2264% | 988 |
| Loan loss allowance to noncurrent loans | 201.2320% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 4.5077% | 436 |
| Noncurrent loans to loans | 1.1064% | 3,011 |
| Net loans and leases to total assets | 47.4337% | 5,226 |
| Net loans and leases to deposits | 52.1610% | 5,490 |
| Net loans and leases to core deposits | 52.6749% | 5,632 |
| Total domestic deposits to total assets | 90.9371% | 436 |
| Equity capital to assets | 8.4897% | 5,810 |
| Core capital (leverage) ratio | 8.6289% | 5,498 |
| Tier 1 risk-based capital ratio | 15.4504% | 3,380 |
| Total risk-based capital ratio | 16.7090% | 3,316 |
| Memoranda: | ||
| Average total assets | $90,518,670 | 4,919 |
| Average earning assets | $80,443,000 | 4,972 |
| Average equity | $7,657,000 | 5,355 |
| Average total loans | $44,963,330 | 5,079 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1853% | 6,024 |
| Cost of funding earning assets | 0.2986% | 5,080 |
| Net interest margin | 2.8867% | 5,782 |
| Noninterest income to average assets | 0.4070% | 4,122 |
| Noninterest expense to average assets | 2.9686% | 2,985 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0044% | 6,209 |
| Return on assets (ROA) | 0.0133% | 6,210 |
| Pretax return on assets | 0.0133% | 6,201 |
| Return on Equity (ROE) | 0.1572% | 6,204 |
| Retained earnings to average equity (ytd only) | 0.1572% | 5,498 |
| Net charge-offs to loans | 1.7871% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.0049% | 3,430 |
| Efficiency ratio | 99.8512% | 473 |
| Assets per employee ($millions) | 4.3502% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1757% | 1,200 |
| Loan loss allowance to noncurrent loans | 141.3545% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 4.7321% | 454 |
| Noncurrent loans to loans | 1.5392% | 2,502 |
| Net loans and leases to total assets | 48.2820% | 5,089 |
| Net loans and leases to deposits | 53.1992% | 5,359 |
| Net loans and leases to core deposits | 53.7208% | 5,521 |
| Total domestic deposits to total assets | 90.7569% | 665 |
| Equity capital to assets | 8.3411% | 5,789 |
| Core capital (leverage) ratio | 8.4860% | 5,665 |
| Tier 1 risk-based capital ratio | 14.7000% | 3,885 |
| Total risk-based capital ratio | 15.9580% | 3,837 |
| Memoranda: | ||
| Average total assets | $90,411,500 | 4,959 |
| Average earning assets | $80,369,500 | 5,016 |
| Average equity | $7,634,000 | 5,384 |
| Average total loans | $45,436,000 | 5,103 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5455% | 5,544 |
| Cost of funding earning assets | 0.3786% | 4,851 |
| Net interest margin | 3.1669% | 5,103 |
| Noninterest income to average assets | 0.3981% | 4,456 |
| Noninterest expense to average assets | 3.0825% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1397% | 5,961 |
| Return on assets (ROA) | 0.1397% | 6,026 |
| Pretax return on assets | 0.1397% | 6,029 |
| Return on Equity (ROE) | 1.5564% | 5,974 |
| Retained earnings to average equity (ytd only) | 0.1297% | 5,795 |
| Net charge-offs to loans | -0.0043% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6647% | 658 |
| Assets per employee ($millions) | 3.8899% | 4,088 |
| Cash dividends to net income (ytd only)* | 91.6667% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5861% | 734 |
| Loan loss allowance to noncurrent loans | 91.8542% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 4.8006% | 506 |
| Noncurrent loans to loans | 2.8155% | 1,250 |
| Net loans and leases to total assets | 49.8491% | 5,097 |
| Net loans and leases to deposits | 54.9303% | 5,387 |
| Net loans and leases to core deposits | 55.4790% | 5,580 |
| Total domestic deposits to total assets | 90.7498% | 684 |
| Equity capital to assets | 8.5483% | 5,534 |
| Core capital (leverage) ratio | 8.7864% | 5,304 |
| Tier 1 risk-based capital ratio | 15.0085% | 3,661 |
| Total risk-based capital ratio | 16.2719% | 3,595 |
| Memoranda: | ||
| Average total assets | $85,905,200 | 5,087 |
| Average earning assets | $76,604,000 | 5,129 |
| Average equity | $7,710,000 | 5,414 |
| Average total loans | $46,278,600 | 5,105 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5907% | 5,466 |
| Cost of funding earning assets | 0.3904% | 4,900 |
| Net interest margin | 3.2003% | 4,999 |
| Noninterest income to average assets | 0.3639% | 4,786 |
| Noninterest expense to average assets | 3.0880% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1302% | 6,077 |
| Return on assets (ROA) | 0.1302% | 6,144 |
| Pretax return on assets | 0.1302% | 6,172 |
| Return on Equity (ROE) | 1.4324% | 6,090 |
| Retained earnings to average equity (ytd only) | 1.4324% | 5,411 |
| Net charge-offs to loans | -0.0029% | 5,714 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9552% | 625 |
| Assets per employee ($millions) | 4.1167% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5052% | 927 |
| Loan loss allowance to noncurrent loans | 70.7113% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 4.9994% | 554 |
| Noncurrent loans to loans | 3.5428% | 1,069 |
| Net loans and leases to total assets | 53.2551% | 4,716 |
| Net loans and leases to deposits | 59.7017% | 5,010 |
| Net loans and leases to core deposits | 60.3300% | 5,271 |
| Total domestic deposits to total assets | 89.2019% | 1,455 |
| Equity capital to assets | 8.9370% | 5,259 |
| Core capital (leverage) ratio | 9.1235% | 4,932 |
| Tier 1 risk-based capital ratio | 15.1374% | 3,665 |
| Total risk-based capital ratio | 16.3997% | 3,616 |
| Memoranda: | ||
| Average total assets | $85,014,500 | 5,162 |
| Average earning assets | $75,824,250 | 5,206 |
| Average equity | $7,725,500 | 5,465 |
| Average total loans | $46,402,500 | 5,141 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 5,134 |
| Cost of funding earning assets | 0.4002% | 4,944 |
| Net interest margin | 3.3024% | 4,573 |
| Noninterest income to average assets | 0.4755% | 3,991 |
| Noninterest expense to average assets | 3.1466% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2768% | 5,681 |
| Return on assets (ROA) | 0.2768% | 5,815 |
| Pretax return on assets | 0.2768% | 5,935 |
| Return on Equity (ROE) | 3.0290% | 5,613 |
| Retained earnings to average equity (ytd only) | 3.0290% | 4,391 |
| Net charge-offs to loans | -0.0434% | 6,216 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9143% | 899 |
| Assets per employee ($millions) | 3.6108% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6491% | 830 |
| Loan loss allowance to noncurrent loans | 126.8085% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 4.5058% | 734 |
| Noncurrent loans to loans | 2.0891% | 2,292 |
| Net loans and leases to total assets | 52.7454% | 4,777 |
| Net loans and leases to deposits | 59.4049% | 5,029 |
| Net loans and leases to core deposits | 60.0581% | 5,259 |
| Total domestic deposits to total assets | 88.7896% | 1,738 |
| Equity capital to assets | 9.3235% | 4,826 |
| Core capital (leverage) ratio | 9.4306% | 4,347 |
| Tier 1 risk-based capital ratio | 15.9262% | 3,238 |
| Total risk-based capital ratio | 17.1912% | 3,172 |
| Memoranda: | ||
| Average total assets | $84,536,000 | 5,209 |
| Average earning assets | $75,461,330 | 5,242 |
| Average equity | $7,725,330 | 5,505 |
| Average total loans | $46,129,330 | 5,180 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 5,110 |
| Cost of funding earning assets | 0.4092% | 5,019 |
| Net interest margin | 3.3054% | 4,499 |
| Noninterest income to average assets | 0.3893% | 4,542 |
| Noninterest expense to average assets | 3.0535% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2908% | 5,598 |
| Return on assets (ROA) | 0.2908% | 5,718 |
| Pretax return on assets | 0.2908% | 5,875 |
| Return on Equity (ROE) | 3.2139% | 5,482 |
| Retained earnings to average equity (ytd only) | 3.2139% | 4,324 |
| Net charge-offs to loans | -0.0171% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3043% | 1,045 |
| Assets per employee ($millions) | 3.3147% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5476% | 1,061 |
| Loan loss allowance to noncurrent loans | 88.9557% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 4.8548% | 758 |
| Noncurrent loans to loans | 2.8639% | 1,768 |
| Net loans and leases to total assets | 54.6550% | 4,303 |
| Net loans and leases to deposits | 61.6817% | 4,597 |
| Net loans and leases to core deposits | 62.3628% | 4,918 |
| Total domestic deposits to total assets | 88.6083% | 1,927 |
| Equity capital to assets | 9.3487% | 5,065 |
| Core capital (leverage) ratio | 9.2231% | 4,527 |
| Tier 1 risk-based capital ratio | 15.4670% | 3,542 |
| Total risk-based capital ratio | 16.7303% | 3,500 |
| Memoranda: | ||
| Average total assets | $85,280,000 | 5,224 |
| Average earning assets | $76,239,500 | 5,261 |
| Average equity | $7,716,500 | 5,578 |
| Average total loans | $46,696,000 | 5,185 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 5,503 |
| Cost of funding earning assets | 0.5589% | 4,736 |
| Net interest margin | 3.3667% | 5,014 |
| Noninterest income to average assets | 0.3160% | 5,195 |
| Noninterest expense to average assets | 3.2162% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1108% | 5,992 |
| Return on assets (ROA) | 0.1297% | 6,092 |
| Pretax return on assets | 0.1297% | 6,104 |
| Return on Equity (ROE) | 1.4204% | 6,037 |
| Retained earnings to average equity (ytd only) | -1.6787% | 6,118 |
| Net charge-offs to loans | 0.5969% | 1,944 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.3310% | 5,314 |
| Efficiency ratio | 96.6690% | 681 |
| Assets per employee ($millions) | 3.6539% | 4,668 |
| Cash dividends to net income (ytd only)* | 218.1818% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5193% | 1,109 |
| Loan loss allowance to noncurrent loans | 88.5393% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 4.5922% | 893 |
| Noncurrent loans to loans | 2.8455% | 1,847 |
| Net loans and leases to total assets | 52.1535% | 4,908 |
| Net loans and leases to deposits | 59.2184% | 5,105 |
| Net loans and leases to core deposits | 59.8359% | 5,378 |
| Total domestic deposits to total assets | 88.0697% | 2,197 |
| Equity capital to assets | 8.7647% | 5,776 |
| Core capital (leverage) ratio | 8.9270% | 5,009 |
| Tier 1 risk-based capital ratio | 14.9333% | 3,756 |
| Total risk-based capital ratio | 16.2153% | 3,691 |
| Memoranda: | ||
| Average total assets | $84,821,400 | 5,226 |
| Average earning assets | $75,859,800 | 5,250 |
| Average equity | $7,744,200 | 5,575 |
| Average total loans | $47,577,200 | 5,194 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 5,490 |
| Cost of funding earning assets | 0.5971% | 4,684 |
| Net interest margin | 3.4123% | 4,992 |
| Noninterest income to average assets | 0.3060% | 5,336 |
| Noninterest expense to average assets | 3.2816% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0777% | 6,161 |
| Return on assets (ROA) | 0.1030% | 6,270 |
| Pretax return on assets | 0.1030% | 6,273 |
| Return on Equity (ROE) | 1.1169% | 6,229 |
| Retained earnings to average equity (ytd only) | -0.9451% | 6,264 |
| Net charge-offs to loans | 0.7484% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1828% | 5,237 |
| Efficiency ratio | 97.6876% | 615 |
| Assets per employee ($millions) | 3.3856% | 5,246 |
| Cash dividends to net income (ytd only)* | 184.6296% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6029% | 1,077 |
| Loan loss allowance to noncurrent loans | 77.5907% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 5.0237% | 890 |
| Noncurrent loans to loans | 3.3546% | 1,636 |
| Net loans and leases to total assets | 52.9638% | 4,920 |
| Net loans and leases to deposits | 60.6218% | 5,134 |
| Net loans and leases to core deposits | 61.2823% | 5,427 |
| Total domestic deposits to total assets | 87.3675% | 2,451 |
| Equity capital to assets | 9.1731% | 5,625 |
| Core capital (leverage) ratio | 9.1716% | 4,805 |
| Tier 1 risk-based capital ratio | 15.5290% | 3,515 |
| Total risk-based capital ratio | 16.7932% | 3,471 |
| Memoranda: | ||
| Average total assets | $84,103,500 | 5,296 |
| Average earning assets | $75,254,500 | 5,318 |
| Average equity | $7,758,750 | 5,623 |
| Average total loans | $47,742,250 | 5,245 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 5,497 |
| Cost of funding earning assets | 0.6410% | 4,522 |
| Net interest margin | 3.4046% | 5,063 |
| Noninterest income to average assets | 0.3479% | 5,054 |
| Noninterest expense to average assets | 3.3196% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0786% | 6,207 |
| Return on assets (ROA) | 0.0786% | 6,348 |
| Pretax return on assets | 0.0786% | 6,356 |
| Return on Equity (ROE) | 0.8508% | 6,323 |
| Retained earnings to average equity (ytd only) | -2.2431% | 6,390 |
| Net charge-offs to loans | 0.8817% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.1549% | 4,995 |
| Efficiency ratio | 97.6858% | 636 |
| Assets per employee ($millions) | 3.0685% | 5,918 |
| Cash dividends to net income (ytd only)* | 363.6364% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6348% | 1,110 |
| Loan loss allowance to noncurrent loans | 52.7357% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 5.1708% | 905 |
| Noncurrent loans to loans | 4.9962% | 990 |
| Net loans and leases to total assets | 55.8877% | 4,486 |
| Net loans and leases to deposits | 64.1085% | 4,756 |
| Net loans and leases to core deposits | 64.5941% | 5,145 |
| Total domestic deposits to total assets | 87.1768% | 2,669 |
| Equity capital to assets | 9.3289% | 5,280 |
| Core capital (leverage) ratio | 9.3147% | 4,431 |
| Tier 1 risk-based capital ratio | 15.4978% | 3,441 |
| Total risk-based capital ratio | 16.7627% | 3,397 |
| Memoranda: | ||
| Average total assets | $83,925,000 | 5,328 |
| Average earning assets | $75,191,670 | 5,350 |
| Average equity | $7,757,000 | 5,639 |
| Average total loans | $48,314,330 | 5,261 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 5,586 |
| Cost of funding earning assets | 0.7097% | 4,201 |
| Net interest margin | 3.3472% | 5,313 |
| Noninterest income to average assets | 0.4594% | 4,232 |
| Noninterest expense to average assets | 3.3151% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1373% | 6,154 |
| Return on assets (ROA) | 0.1373% | 6,279 |
| Pretax return on assets | 0.1373% | 6,324 |
| Return on Equity (ROE) | 1.4927% | 6,225 |
| Retained earnings to average equity (ytd only) | -4.6841% | 6,558 |
| Net charge-offs to loans | 0.1396% | 3,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.7059% | 3,480 |
| Efficiency ratio | 96.0219% | 719 |
| Assets per employee ($millions) | 3.1389% | 5,883 |
| Cash dividends to net income (ytd only)* | 413.7931% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9964% | 831 |
| Loan loss allowance to noncurrent loans | 66.1342% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 4.5109% | 1,185 |
| Noncurrent loans to loans | 4.5308% | 1,281 |
| Net loans and leases to total assets | 55.3499% | 4,497 |
| Net loans and leases to deposits | 65.0349% | 4,483 |
| Net loans and leases to core deposits | 65.5282% | 4,969 |
| Total domestic deposits to total assets | 85.1080% | 3,985 |
| Equity capital to assets | 9.1056% | 5,350 |
| Core capital (leverage) ratio | 9.2925% | 4,379 |
| Tier 1 risk-based capital ratio | 15.5466% | 3,417 |
| Total risk-based capital ratio | 16.8181% | 3,371 |
| Memoranda: | ||
| Average total assets | $84,462,500 | 5,355 |
| Average earning assets | $75,526,500 | 5,381 |
| Average equity | $7,771,000 | 5,668 |
| Average total loans | $48,693,500 | 5,281 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 4,046 |
| Cost of funding earning assets | 0.9368% | 3,821 |
| Net interest margin | 3.8106% | 3,770 |
| Noninterest income to average assets | 0.2099% | 6,017 |
| Noninterest expense to average assets | 3.3858% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3273% | 5,161 |
| Return on assets (ROA) | 0.3273% | 5,306 |
| Pretax return on assets | 0.2348% | 5,703 |
| Return on Equity (ROE) | 3.5620% | 5,043 |
| Retained earnings to average equity (ytd only) | 2.4005% | 4,507 |
| Net charge-offs to loans | 0.3648% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,042 |
| Efficiency ratio | 93.5146% | 957 |
| Assets per employee ($millions) | 3.2375% | 5,636 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9901% | 822 |
| Loan loss allowance to noncurrent loans | 65.8876% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 5.4802% | 939 |
| Noncurrent loans to loans | 4.5381% | 1,313 |
| Net loans and leases to total assets | 56.5049% | 4,624 |
| Net loans and leases to deposits | 67.5476% | 4,505 |
| Net loans and leases to core deposits | 68.0667% | 5,021 |
| Total domestic deposits to total assets | 83.6519% | 4,470 |
| Equity capital to assets | 9.2961% | 5,156 |
| Core capital (leverage) ratio | 9.3558% | 4,244 |
| Tier 1 risk-based capital ratio | 15.3525% | 3,421 |
| Total risk-based capital ratio | 16.6231% | 3,358 |
| Memoranda: | ||
| Average total assets | $84,321,600 | 5,329 |
| Average earning assets | $75,473,600 | 5,358 |
| Average equity | $7,748,400 | 5,646 |
| Average total loans | $54,272,400 | 5,105 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 3,894 |
| Cost of funding earning assets | 0.9852% | 3,781 |
| Net interest margin | 3.8423% | 3,655 |
| Noninterest income to average assets | 0.1739% | 6,346 |
| Noninterest expense to average assets | 3.4076% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3351% | 5,271 |
| Return on assets (ROA) | 0.3351% | 5,442 |
| Pretax return on assets | 0.2118% | 5,874 |
| Return on Equity (ROE) | 3.6570% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.6570% | 4,150 |
| Net charge-offs to loans | 0.1295% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.4814% | 3,887 |
| Efficiency ratio | 94.1485% | 909 |
| Assets per employee ($millions) | 3.6276% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9926% | 867 |
| Loan loss allowance to noncurrent loans | 72.3596% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 5.1801% | 1,105 |
| Noncurrent loans to loans | 4.1357% | 1,594 |
| Net loans and leases to total assets | 62.5517% | 3,598 |
| Net loans and leases to deposits | 74.9770% | 3,511 |
| Net loans and leases to core deposits | 75.5599% | 4,248 |
| Total domestic deposits to total assets | 83.4278% | 4,511 |
| Equity capital to assets | 9.4109% | 5,228 |
| Core capital (leverage) ratio | 9.3749% | 4,340 |
| Tier 1 risk-based capital ratio | 14.2530% | 4,158 |
| Total risk-based capital ratio | 15.5232% | 4,107 |
| Memoranda: | ||
| Average total assets | $84,358,250 | 5,371 |
| Average earning assets | $75,647,750 | 5,397 |
| Average equity | $7,729,250 | 5,684 |
| Average total loans | $55,583,250 | 5,089 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 4,399 |
| Cost of funding earning assets | 1.0308% | 3,739 |
| Net interest margin | 3.6989% | 4,264 |
| Noninterest income to average assets | 0.0709% | 6,957 |
| Noninterest expense to average assets | 3.1654% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2197% | 5,667 |
| Return on assets (ROA) | 0.2197% | 5,785 |
| Pretax return on assets | 0.2197% | 5,889 |
| Return on Equity (ROE) | 2.4193% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.4193% | 4,751 |
| Net charge-offs to loans | 0.1958% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.6909% | 4,029 |
| Efficiency ratio | 93.5101% | 1,010 |
| Assets per employee ($millions) | 3.6182% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8746% | 1,009 |
| Loan loss allowance to noncurrent loans | 56.6949% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 5.8353% | 972 |
| Noncurrent loans to loans | 5.0703% | 1,285 |
| Net loans and leases to total assets | 65.3272% | 3,179 |
| Net loans and leases to deposits | 79.3345% | 2,918 |
| Net loans and leases to core deposits | 80.4439% | 3,723 |
| Total domestic deposits to total assets | 82.3440% | 5,048 |
| Equity capital to assets | 9.2949% | 5,143 |
| Core capital (leverage) ratio | 9.3468% | 4,179 |
| Tier 1 risk-based capital ratio | 13.7147% | 4,370 |
| Total risk-based capital ratio | 14.9896% | 4,328 |
| Memoranda: | ||
| Average total assets | $84,666,000 | 5,404 |
| Average earning assets | $75,861,330 | 5,436 |
| Average equity | $7,688,330 | 5,708 |
| Average total loans | $56,177,670 | 5,111 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 4,791 |
| Cost of funding earning assets | 1.0811% | 3,650 |
| Net interest margin | 3.5568% | 4,781 |
| Noninterest income to average assets | 0.2530% | 5,871 |
| Noninterest expense to average assets | 3.2322% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2108% | 5,756 |
| Return on assets (ROA) | 0.2108% | 5,815 |
| Pretax return on assets | 0.2108% | 5,913 |
| Return on Equity (ROE) | 2.3483% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.3483% | 4,741 |
| Net charge-offs to loans | 0.3909% | 2,515 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.8182% | 4,026 |
| Efficiency ratio | 93.8776% | 1,044 |
| Assets per employee ($millions) | 3.6620% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9117% | 994 |
| Loan loss allowance to noncurrent loans | 60.9239% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 5.5470% | 1,087 |
| Noncurrent loans to loans | 4.7792% | 1,431 |
| Net loans and leases to total assets | 63.6989% | 3,497 |
| Net loans and leases to deposits | 78.3283% | 3,004 |
| Net loans and leases to core deposits | 79.4747% | 3,825 |
| Total domestic deposits to total assets | 81.3229% | 5,561 |
| Equity capital to assets | 9.1231% | 4,997 |
| Core capital (leverage) ratio | 9.1065% | 4,440 |
| Tier 1 risk-based capital ratio | 13.6561% | 4,323 |
| Total risk-based capital ratio | 14.9263% | 4,276 |
| Memoranda: | ||
| Average total assets | $85,390,000 | 5,427 |
| Average earning assets | $76,585,500 | 5,457 |
| Average equity | $7,665,000 | 5,719 |
| Average total loans | $56,280,000 | 5,161 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3369% | 2,950 |
| Cost of funding earning assets | 1.4393% | 3,023 |
| Net interest margin | 3.8976% | 3,502 |
| Noninterest income to average assets | -0.1398% | 7,425 |
| Noninterest expense to average assets | 3.3958% | 2,446 |
| Loan and lease loss provision to assets | 1.0743% | 1,495 |
| Net operating income to assets | -1.1714% | 6,779 |
| Return on assets (ROA) | -1.1714% | 6,796 |
| Pretax return on assets | -1.1714% | 6,728 |
| Return on Equity (ROE) | -11.9476% | 6,812 |
| Retained earnings to average equity (ytd only) | -11.9476% | 6,760 |
| Net charge-offs to loans | 1.2184% | 1,839 |
| Credit loss provision to net charge-offs | 121.7450% | 3,450 |
| Earnings coverage of net charge-offs (x) | -0.1101% | 6,228 |
| Efficiency ratio | 102.9443% | 696 |
| Assets per employee ($millions) | 3.4622% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9040% | 951 |
| Loan loss allowance to noncurrent loans | 60.2026% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 6.0482% | 979 |
| Noncurrent loans to loans | 4.8237% | 1,426 |
| Net loans and leases to total assets | 64.2789% | 3,814 |
| Net loans and leases to deposits | 78.5764% | 3,415 |
| Net loans and leases to core deposits | 80.5303% | 4,130 |
| Total domestic deposits to total assets | 81.8044% | 5,244 |
| Equity capital to assets | 8.8338% | 5,387 |
| Core capital (leverage) ratio | 8.8652% | 4,757 |
| Tier 1 risk-based capital ratio | 12.9003% | 4,682 |
| Total risk-based capital ratio | 14.1699% | 4,642 |
| Memoranda: | ||
| Average total assets | $84,426,600 | 5,461 |
| Average earning assets | $74,480,800 | 5,525 |
| Average equity | $8,277,800 | 5,623 |
| Average total loans | $61,145,400 | 5,019 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5036% | 2,422 |
| Cost of funding earning assets | 1.5100% | 2,913 |
| Net interest margin | 3.9936% | 3,136 |
| Noninterest income to average assets | 0.0318% | 7,360 |
| Noninterest expense to average assets | 3.1865% | 2,972 |
| Loan and lease loss provision to assets | 1.0839% | 1,345 |
| Net operating income to assets | -0.7247% | 6,744 |
| Return on assets (ROA) | -0.7247% | 6,788 |
| Pretax return on assets | -0.7247% | 6,695 |
| Return on Equity (ROE) | -7.2072% | 6,801 |
| Retained earnings to average equity (ytd only) | -7.2072% | 6,727 |
| Net charge-offs to loans | 0.9102% | 2,178 |
| Credit loss provision to net charge-offs | 160.8491% | 2,353 |
| Earnings coverage of net charge-offs (x) | 0.5330% | 5,492 |
| Efficiency ratio | 89.8700% | 1,304 |
| Assets per employee ($millions) | 3.3865% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9694% | 845 |
| Loan loss allowance to noncurrent loans | 54.9313% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 7.0409% | 766 |
| Noncurrent loans to loans | 5.4057% | 1,243 |
| Net loans and leases to total assets | 67.9301% | 3,232 |
| Net loans and leases to deposits | 85.4090% | 2,450 |
| Net loans and leases to core deposits | 88.1868% | 3,345 |
| Total domestic deposits to total assets | 79.5351% | 5,853 |
| Equity capital to assets | 9.6761% | 4,576 |
| Core capital (leverage) ratio | 9.6801% | 3,649 |
| Tier 1 risk-based capital ratio | 13.2199% | 4,407 |
| Total risk-based capital ratio | 14.4896% | 4,366 |
| Memoranda: | ||
| Average total assets | $83,894,750 | 5,540 |
| Average earning assets | $73,817,000 | 5,613 |
| Average equity | $8,435,750 | 5,645 |
| Average total loans | $62,106,750 | 5,063 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 1,860 |
| Cost of funding earning assets | 1.5684% | 2,847 |
| Net interest margin | 4.1050% | 2,534 |
| Noninterest income to average assets | -0.1076% | 7,633 |
| Noninterest expense to average assets | 3.1971% | 2,907 |
| Loan and lease loss provision to assets | 1.6308% | 792 |
| Net operating income to assets | -1.3367% | 7,092 |
| Return on assets (ROA) | -1.3367% | 7,107 |
| Pretax return on assets | -1.3367% | 7,029 |
| Return on Equity (ROE) | -13.1267% | 7,082 |
| Retained earnings to average equity (ytd only) | -13.1267% | 7,041 |
| Net charge-offs to loans | 1.1832% | 1,609 |
| Credit loss provision to net charge-offs | 182.8418% | 2,152 |
| Earnings coverage of net charge-offs (x) | 0.3298% | 5,398 |
| Efficiency ratio | 91.5753% | 1,216 |
| Assets per employee ($millions) | 3.3289% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9028% | 911 |
| Loan loss allowance to noncurrent loans | 79.1867% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 5.3915% | 1,156 |
| Noncurrent loans to loans | 3.6657% | 2,140 |
| Net loans and leases to total assets | 72.7900% | 2,215 |
| Net loans and leases to deposits | 91.7043% | 1,580 |
| Net loans and leases to core deposits | 98.0734% | 2,222 |
| Total domestic deposits to total assets | 79.3747% | 5,923 |
| Equity capital to assets | 9.7353% | 4,362 |
| Core capital (leverage) ratio | 9.7394% | 3,487 |
| Tier 1 risk-based capital ratio | 12.6762% | 4,711 |
| Total risk-based capital ratio | 13.9454% | 4,662 |
| Memoranda: | ||
| Average total assets | $83,639,000 | 5,577 |
| Average earning assets | $73,325,330 | 5,665 |
| Average equity | $8,517,000 | 5,630 |
| Average total loans | $63,052,000 | 5,053 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8948% | 1,210 |
| Cost of funding earning assets | 1.6356% | 2,735 |
| Net interest margin | 4.2592% | 1,828 |
| Noninterest income to average assets | 0.2242% | 6,360 |
| Noninterest expense to average assets | 3.1438% | 3,091 |
| Loan and lease loss provision to assets | 0.4150% | 2,887 |
| Net operating income to assets | 0.3673% | 4,988 |
| Return on assets (ROA) | 0.3673% | 5,112 |
| Pretax return on assets | 0.3673% | 5,388 |
| Return on Equity (ROE) | 3.5303% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.5303% | 4,029 |
| Net charge-offs to loans | 1.6156% | 1,076 |
| Credit loss provision to net charge-offs | 33.9844% | 4,755 |
| Earnings coverage of net charge-offs (x) | 0.6406% | 4,456 |
| Efficiency ratio | 80.0729% | 2,554 |
| Assets per employee ($millions) | 3.4309% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1081% | 1,940 |
| Loan loss allowance to noncurrent loans | 101.5232% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 4.4959% | 1,500 |
| Noncurrent loans to loans | 2.0765% | 3,683 |
| Net loans and leases to total assets | 75.1731% | 1,699 |
| Net loans and leases to deposits | 95.9630% | 1,113 |
| Net loans and leases to core deposits | 103.6279% | 1,777 |
| Total domestic deposits to total assets | 78.3355% | 6,235 |
| Equity capital to assets | 10.6301% | 3,119 |
| Core capital (leverage) ratio | 10.4309% | 2,690 |
| Tier 1 risk-based capital ratio | 13.4365% | 4,027 |
| Total risk-based capital ratio | 14.6972% | 3,985 |
| Memoranda: | ||
| Average total assets | $83,847,000 | 5,639 |
| Average earning assets | $72,877,500 | 5,749 |
| Average equity | $8,724,500 | 5,620 |
| Average total loans | $63,383,500 | 5,117 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8338% | 2,511 |
| Cost of funding earning assets | 1.9262% | 3,326 |
| Net interest margin | 3.9076% | 3,237 |
| Noninterest income to average assets | 0.2406% | 6,366 |
| Noninterest expense to average assets | 3.2236% | 3,304 |
| Loan and lease loss provision to assets | 2.0086% | 1,075 |
| Net operating income to assets | -1.6579% | 6,940 |
| Return on assets (ROA) | -1.6579% | 6,942 |
| Pretax return on assets | -1.5118% | 6,712 |
| Return on Equity (ROE) | -16.7517% | 7,019 |
| Retained earnings to average equity (ytd only) | -16.7517% | 6,974 |
| Net charge-offs to loans | 1.7458% | 1,430 |
| Credit loss provision to net charge-offs | 149.8214% | 3,106 |
| Earnings coverage of net charge-offs (x) | 0.3705% | 5,742 |
| Efficiency ratio | 86.6474% | 2,041 |
| Assets per employee ($millions) | 3.5563% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3641% | 1,394 |
| Loan loss allowance to noncurrent loans | 146.9667% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 3.4106% | 1,980 |
| Noncurrent loans to loans | 1.6086% | 4,245 |
| Net loans and leases to total assets | 72.6790% | 2,587 |
| Net loans and leases to deposits | 91.9321% | 1,906 |
| Net loans and leases to core deposits | 97.0099% | 4,348 |
| Total domestic deposits to total assets | 79.0573% | 5,962 |
| Equity capital to assets | 10.1884% | 3,523 |
| Core capital (leverage) ratio | 10.7074% | 2,423 |
| Tier 1 risk-based capital ratio | 12.8947% | 4,213 |
| Total risk-based capital ratio | 14.1573% | 4,155 |
| Memoranda: | ||
| Average total assets | $83,541,400 | 5,610 |
| Average earning assets | $74,394,000 | 5,661 |
| Average equity | $8,267,800 | 5,845 |
| Average total loans | $64,153,000 | 5,097 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 2,589 |
| Cost of funding earning assets | 1.9685% | 3,524 |
| Net interest margin | 3.8993% | 3,239 |
| Noninterest income to average assets | 0.2455% | 6,476 |
| Noninterest expense to average assets | 3.1901% | 3,330 |
| Loan and lease loss provision to assets | 0.3771% | 4,065 |
| Net operating income to assets | 0.1187% | 5,411 |
| Return on assets (ROA) | 0.1187% | 5,469 |
| Pretax return on assets | 0.1621% | 5,382 |
| Return on Equity (ROE) | 1.2090% | 5,430 |
| Retained earnings to average equity (ytd only) | 1.2090% | 4,650 |
| Net charge-offs to loans | 0.0933% | 5,747 |
| Credit loss provision to net charge-offs | 522.2222% | 751 |
| Earnings coverage of net charge-offs (x) | 7.4665% | 2,400 |
| Efficiency ratio | 85.5422% | 2,120 |
| Assets per employee ($millions) | 3.0700% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,279 |
| Loan loss allowance to noncurrent loans | 62.2052% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 4.5132% | 1,353 |
| Noncurrent loans to loans | 2.8931% | 2,633 |
| Net loans and leases to total assets | 74.6519% | 2,324 |
| Net loans and leases to deposits | 96.3157% | 1,533 |
| Net loans and leases to core deposits | 103.8709% | 3,953 |
| Total domestic deposits to total assets | 77.5075% | 6,215 |
| Equity capital to assets | 9.8613% | 4,253 |
| Core capital (leverage) ratio | 9.9859% | 3,305 |
| Tier 1 risk-based capital ratio | 12.1930% | 4,797 |
| Total risk-based capital ratio | 13.4489% | 4,743 |
| Memoranda: | ||
| Average total assets | $83,088,750 | 5,654 |
| Average earning assets | $74,234,250 | 5,709 |
| Average equity | $8,160,750 | 5,926 |
| Average total loans | $64,307,500 | 5,127 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9171% | 2,509 |
| Cost of funding earning assets | 2.0126% | 3,712 |
| Net interest margin | 3.9045% | 3,095 |
| Noninterest income to average assets | 0.2237% | 6,693 |
| Noninterest expense to average assets | 3.2518% | 3,148 |
| Loan and lease loss provision to assets | 0.2405% | 4,666 |
| Net operating income to assets | 0.1732% | 5,342 |
| Return on assets (ROA) | 0.1732% | 5,445 |
| Pretax return on assets | 0.2309% | 5,384 |
| Return on Equity (ROE) | 1.7655% | 5,384 |
| Retained earnings to average equity (ytd only) | 1.7655% | 4,358 |
| Net charge-offs to loans | 0.1390% | 4,781 |
| Credit loss provision to net charge-offs | 222.2222% | 2,063 |
| Earnings coverage of net charge-offs (x) | 4.3556% | 3,118 |
| Efficiency ratio | 87.3385% | 2,091 |
| Assets per employee ($millions) | 3.0659% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,006 |
| Loan loss allowance to noncurrent loans | 58.6268% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 3.9804% | 1,497 |
| Noncurrent loans to loans | 2.6194% | 2,760 |
| Net loans and leases to total assets | 77.3786% | 1,887 |
| Net loans and leases to deposits | 99.8862% | 1,298 |
| Net loans and leases to core deposits | 107.2716% | 3,696 |
| Total domestic deposits to total assets | 77.4668% | 6,207 |
| Equity capital to assets | 9.8816% | 4,105 |
| Core capital (leverage) ratio | 9.9965% | 3,302 |
| Tier 1 risk-based capital ratio | 11.7974% | 5,109 |
| Total risk-based capital ratio | 13.0494% | 5,017 |
| Memoranda: | ||
| Average total assets | $83,155,000 | 5,692 |
| Average earning assets | $74,530,330 | 5,725 |
| Average equity | $8,156,330 | 5,966 |
| Average total loans | $64,739,000 | 5,148 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7695% | 3,438 |
| Cost of funding earning assets | 2.0488% | 3,884 |
| Net interest margin | 3.7207% | 3,804 |
| Noninterest income to average assets | 0.1920% | 6,924 |
| Noninterest expense to average assets | 3.1964% | 2,999 |
| Loan and lease loss provision to assets | 0.2400% | 4,063 |
| Net operating income to assets | 0.0912% | 6,006 |
| Return on assets (ROA) | 0.0912% | 6,169 |
| Pretax return on assets | 0.1200% | 6,119 |
| Return on Equity (ROE) | 0.9331% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.9331% | 5,274 |
| Net charge-offs to loans | 0.1115% | 4,075 |
| Credit loss provision to net charge-offs | 277.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 2,955 |
| Efficiency ratio | 89.8785% | 1,729 |
| Assets per employee ($millions) | 3.1065% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 2,909 |
| Loan loss allowance to noncurrent loans | 78.5197% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 3.4718% | 1,552 |
| Noncurrent loans to loans | 1.9260% | 3,374 |
| Net loans and leases to total assets | 75.7806% | 2,323 |
| Net loans and leases to deposits | 97.3295% | 1,763 |
| Net loans and leases to core deposits | 104.7237% | 4,057 |
| Total domestic deposits to total assets | 77.8599% | 6,061 |
| Equity capital to assets | 9.7049% | 4,378 |
| Core capital (leverage) ratio | 10.0643% | 3,331 |
| Tier 1 risk-based capital ratio | 11.5356% | 5,371 |
| Total risk-based capital ratio | 12.7881% | 5,267 |
| Memoranda: | ||
| Average total assets | $83,342,500 | 5,693 |
| Average earning assets | $75,362,000 | 5,718 |
| Average equity | $8,144,500 | 6,001 |
| Average total loans | $64,582,000 | 5,174 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5575% | 2,680 |
| Cost of funding earning assets | 2.6143% | 3,613 |
| Net interest margin | 3.9432% | 3,393 |
| Noninterest income to average assets | 0.0985% | 7,637 |
| Noninterest expense to average assets | 3.1557% | 3,497 |
| Loan and lease loss provision to assets | 0.3906% | 3,349 |
| Net operating income to assets | 0.1069% | 6,095 |
| Return on assets (ROA) | 0.1069% | 5,931 |
| Pretax return on assets | 0.1140% | 5,914 |
| Return on Equity (ROE) | 1.1361% | 5,879 |
| Retained earnings to average equity (ytd only) | 1.1361% | 4,551 |
| Net charge-offs to loans | 0.5888% | 2,061 |
| Credit loss provision to net charge-offs | 84.3590% | 5,795 |
| Earnings coverage of net charge-offs (x) | 1.0897% | 5,579 |
| Efficiency ratio | 86.2147% | 1,833 |
| Assets per employee ($millions) | 3.0670% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 2,876 |
| Loan loss allowance to noncurrent loans | 146.8118% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 2.7859% | 1,684 |
| Noncurrent loans to loans | 0.9949% | 4,606 |
| Net loans and leases to total assets | 76.9025% | 2,401 |
| Net loans and leases to deposits | 99.1499% | 1,968 |
| Net loans and leases to core deposits | 104.4206% | 4,355 |
| Total domestic deposits to total assets | 77.5619% | 5,857 |
| Equity capital to assets | 9.8406% | 4,238 |
| Core capital (leverage) ratio | 9.8827% | 3,563 |
| Tier 1 risk-based capital ratio | 11.6386% | 5,113 |
| Total risk-based capital ratio | 12.7932% | 5,091 |
| Memoranda: | ||
| Average total assets | $84,229,200 | 5,555 |
| Average earning assets | $76,080,600 | 5,583 |
| Average equity | $7,921,800 | 6,116 |
| Average total loans | $66,232,600 | 5,008 |