Home > Normangee State Bank > Performance and Condition Ratios
Normangee State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6217% | 1,827 |
| Cost of funding earning assets | 1.4047% | 3,402 |
| Net interest margin | 4.2170% | 940 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 3.4750% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4109% | 3,712 |
| Return on assets (ROA) | 0.4109% | 3,737 |
| Pretax return on assets | 0.6418% | 3,509 |
| Return on Equity (ROE) | 3.5400% | 3,777 |
| Retained earnings to average equity (ytd only) | 3.5419% | 2,958 |
| Net charge-offs to loans | 0.0392% | 1,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 29.8750% | 1,243 |
| Efficiency ratio | 84.4097% | 718 |
| Assets per employee ($millions) | 4.9985% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 892 |
| Loan loss allowance to noncurrent loans | 83.0968% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 2.0486% | 216 |
| Noncurrent loans to loans | 1.8748% | 476 |
| Net loans and leases to total assets | 54.2700% | 3,325 |
| Net loans and leases to deposits | 61.6947% | 3,396 |
| Net loans and leases to core deposits | 67.2831% | 3,423 |
| Total domestic deposits to total assets | 87.9700% | 1,559 |
| Equity capital to assets | 11.7975% | 1,311 |
| Core capital (leverage) ratio | 15.9450% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3156% | 268 |
| Memoranda: | ||
| Average total assets | $148,950,000 | 3,373 |
| Average earning assets | $136,115,000 | 3,377 |
| Average equity | $17,279,000 | 3,200 |
| Average total loans | $81,725,000 | 3,422 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6275% | 1,883 |
| Cost of funding earning assets | 1.3275% | 3,635 |
| Net interest margin | 4.2999% | 828 |
| Noninterest income to average assets | 0.3400% | 2,807 |
| Noninterest expense to average assets | 3.5139% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6764% | 3,029 |
| Return on assets (ROA) | 0.6764% | 3,061 |
| Pretax return on assets | 0.7910% | 3,071 |
| Return on Equity (ROE) | 5.7100% | 3,354 |
| Retained earnings to average equity (ytd only) | 3.4257% | 2,857 |
| Net charge-offs to loans | -0.0217% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 81.6258% | 941 |
| Assets per employee ($millions) | 4.9315% | 3,691 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 791 |
| Loan loss allowance to noncurrent loans | 83.4514% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.7784% | 258 |
| Noncurrent loans to loans | 1.9226% | 423 |
| Net loans and leases to total assets | 53.7200% | 3,416 |
| Net loans and leases to deposits | 60.7833% | 3,497 |
| Net loans and leases to core deposits | 66.1223% | 3,526 |
| Total domestic deposits to total assets | 88.3800% | 1,369 |
| Equity capital to assets | 11.4009% | 1,420 |
| Core capital (leverage) ratio | 15.9204% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9516% | 272 |
| Memoranda: | ||
| Average total assets | $144,882,400 | 3,403 |
| Average earning assets | $133,630,600 | 3,400 |
| Average equity | $17,164,400 | 3,174 |
| Average total loans | $78,368,000 | 3,441 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5633% | 1,960 |
| Cost of funding earning assets | 1.2853% | 3,694 |
| Net interest margin | 4.2780% | 829 |
| Noninterest income to average assets | 0.3500% | 2,719 |
| Noninterest expense to average assets | 3.3185% | 711 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7984% | 2,697 |
| Return on assets (ROA) | 0.7984% | 2,713 |
| Pretax return on assets | 0.9844% | 2,591 |
| Return on Equity (ROE) | 6.6700% | 3,127 |
| Retained earnings to average equity (ytd only) | 6.6747% | 1,847 |
| Net charge-offs to loans | -0.0446% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 77.1232% | 1,299 |
| Assets per employee ($millions) | 4.8709% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 737 |
| Loan loss allowance to noncurrent loans | 1,839.4366% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 3,395 |
| Noncurrent loans to loans | 0.0898% | 3,240 |
| Net loans and leases to total assets | 53.2100% | 3,469 |
| Net loans and leases to deposits | 61.3897% | 3,509 |
| Net loans and leases to core deposits | 66.4348% | 3,554 |
| Total domestic deposits to total assets | 86.6700% | 1,700 |
| Equity capital to assets | 12.7553% | 1,034 |
| Core capital (leverage) ratio | 16.2282% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4451% | 225 |
| Memoranda: | ||
| Average total assets | $144,117,000 | 3,414 |
| Average earning assets | $133,298,500 | 3,412 |
| Average equity | $17,238,750 | 3,167 |
| Average total loans | $77,766,250 | 3,453 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 1,938 |
| Cost of funding earning assets | 1.2093% | 3,771 |
| Net interest margin | 4.3095% | 778 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 3.3253% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8073% | 2,605 |
| Return on assets (ROA) | 0.8073% | 2,625 |
| Pretax return on assets | 1.0011% | 2,489 |
| Return on Equity (ROE) | 6.9000% | 3,023 |
| Retained earnings to average equity (ytd only) | 6.9044% | 1,682 |
| Net charge-offs to loans | 0.0750% | 1,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 24.7586% | 1,511 |
| Efficiency ratio | 76.8611% | 1,387 |
| Assets per employee ($millions) | 5.0884% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 885 |
| Loan loss allowance to noncurrent loans | 1,895.4545% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,099 |
| Noncurrent loans to loans | 0.0838% | 3,239 |
| Net loans and leases to total assets | 52.5300% | 3,511 |
| Net loans and leases to deposits | 59.6157% | 3,587 |
| Net loans and leases to core deposits | 64.3461% | 3,608 |
| Total domestic deposits to total assets | 88.1100% | 1,292 |
| Equity capital to assets | 11.5224% | 1,335 |
| Core capital (leverage) ratio | 16.6245% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4752% | 247 |
| Memoranda: | ||
| Average total assets | $143,447,000 | 3,431 |
| Average earning assets | $132,637,000 | 3,425 |
| Average equity | $16,772,000 | 3,182 |
| Average total loans | $77,336,333 | 3,466 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5938% | 1,639 |
| Cost of funding earning assets | 1.1175% | 3,852 |
| Net interest margin | 4.4763% | 598 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 3.2337% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9958% | 1,943 |
| Return on assets (ROA) | 0.9958% | 1,951 |
| Pretax return on assets | 1.2335% | 1,809 |
| Return on Equity (ROE) | 8.4500% | 2,567 |
| Retained earnings to average equity (ytd only) | 8.4532% | 1,439 |
| Net charge-offs to loans | 0.0835% | 809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 27.2500% | 1,210 |
| Efficiency ratio | 72.3876% | 1,909 |
| Assets per employee ($millions) | 4.7330% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 795 |
| Loan loss allowance to noncurrent loans | 610.6280% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 2,661 |
| Noncurrent loans to loans | 0.2675% | 2,357 |
| Net loans and leases to total assets | 53.6000% | 3,377 |
| Net loans and leases to deposits | 60.9686% | 3,463 |
| Net loans and leases to core deposits | 65.4733% | 3,541 |
| Total domestic deposits to total assets | 87.9200% | 1,453 |
| Equity capital to assets | 11.7043% | 1,224 |
| Core capital (leverage) ratio | 16.5167% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2377% | 248 |
| Memoranda: | ||
| Average total assets | $141,388,000 | 3,461 |
| Average earning assets | $131,002,500 | 3,457 |
| Average equity | $16,656,500 | 3,197 |
| Average total loans | $76,624,000 | 3,482 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 1,971 |
| Cost of funding earning assets | 0.7655% | 3,823 |
| Net interest margin | 4.2860% | 831 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.0685% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9837% | 2,268 |
| Return on assets (ROA) | 0.9837% | 2,255 |
| Pretax return on assets | 1.2234% | 2,083 |
| Return on Equity (ROE) | 8.9300% | 2,773 |
| Retained earnings to average equity (ytd only) | 6.3834% | 2,097 |
| Net charge-offs to loans | -0.0272% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.4952% | 1,710 |
| Assets per employee ($millions) | 5.6314% | 3,128 |
| Cash dividends to net income (ytd only)* | 28.5091% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 683 |
| Loan loss allowance to noncurrent loans | 618.3575% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 2,538 |
| Noncurrent loans to loans | 0.2728% | 2,212 |
| Net loans and leases to total assets | 52.9800% | 3,415 |
| Net loans and leases to deposits | 60.2058% | 3,508 |
| Net loans and leases to core deposits | 64.3956% | 3,571 |
| Total domestic deposits to total assets | 88.0000% | 1,358 |
| Equity capital to assets | 11.8578% | 1,185 |
| Core capital (leverage) ratio | 16.4560% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9271% | 244 |
| Memoranda: | ||
| Average total assets | $139,775,000 | 3,462 |
| Average earning assets | $130,495,000 | 3,445 |
| Average equity | $15,399,400 | 3,230 |
| Average total loans | $73,656,400 | 3,500 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 2,005 |
| Cost of funding earning assets | 0.6829% | 3,805 |
| Net interest margin | 4.2437% | 870 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.9701% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0521% | 2,211 |
| Return on assets (ROA) | 1.0521% | 2,200 |
| Pretax return on assets | 1.3140% | 1,994 |
| Return on Equity (ROE) | 9.7400% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.7372% | 1,477 |
| Net charge-offs to loans | -0.0529% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.3286% | 1,867 |
| Assets per employee ($millions) | 6.4476% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 763 |
| Loan loss allowance to noncurrent loans | 637.6238% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 2,622 |
| Noncurrent loans to loans | 0.2610% | 2,300 |
| Net loans and leases to total assets | 53.6500% | 3,389 |
| Net loans and leases to deposits | 59.9984% | 3,502 |
| Net loans and leases to core deposits | 63.3520% | 3,560 |
| Total domestic deposits to total assets | 89.4200% | 1,107 |
| Equity capital to assets | 10.0855% | 1,779 |
| Core capital (leverage) ratio | 16.2842% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1693% | 268 |
| Memoranda: | ||
| Average total assets | $139,522,500 | 3,471 |
| Average earning assets | $130,229,250 | 3,450 |
| Average equity | $15,075,750 | 3,248 |
| Average total loans | $73,102,500 | 3,514 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 2,075 |
| Cost of funding earning assets | 0.6190% | 3,707 |
| Net interest margin | 4.1444% | 1,012 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.9449% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8923% | 2,784 |
| Return on assets (ROA) | 0.8923% | 2,769 |
| Pretax return on assets | 1.2771% | 2,143 |
| Return on Equity (ROE) | 8.0700% | 3,215 |
| Retained earnings to average equity (ytd only) | 8.0744% | 1,933 |
| Net charge-offs to loans | -0.1367% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.7508% | 1,785 |
| Assets per employee ($millions) | 5.8016% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 621 |
| Loan loss allowance to noncurrent loans | 548.9712% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 717 |
| Noncurrent loans to loans | 0.3270% | 1,959 |
| Net loans and leases to total assets | 50.3200% | 3,539 |
| Net loans and leases to deposits | 56.7802% | 3,598 |
| Net loans and leases to core deposits | 59.7673% | 3,645 |
| Total domestic deposits to total assets | 88.6200% | 1,372 |
| Equity capital to assets | 10.8826% | 1,434 |
| Core capital (leverage) ratio | 15.6874% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5615% | 252 |
| Memoranda: | ||
| Average total assets | $138,747,667 | 3,488 |
| Average earning assets | $129,571,667 | 3,464 |
| Average equity | $15,332,333 | 3,243 |
| Average total loans | $71,674,333 | 3,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 2,095 |
| Cost of funding earning assets | 0.5755% | 3,459 |
| Net interest margin | 4.0191% | 1,229 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.9970% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8672% | 2,969 |
| Return on assets (ROA) | 0.8672% | 2,918 |
| Pretax return on assets | 1.1091% | 2,680 |
| Return on Equity (ROE) | 7.7800% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.7847% | 2,287 |
| Net charge-offs to loans | -0.2161% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.9885% | 1,436 |
| Assets per employee ($millions) | 6.5482% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8859% | 558 |
| Loan loss allowance to noncurrent loans | 595.9459% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 649 |
| Noncurrent loans to loans | 0.3165% | 2,009 |
| Net loans and leases to total assets | 50.0500% | 3,490 |
| Net loans and leases to deposits | 56.6875% | 3,535 |
| Net loans and leases to core deposits | 59.4284% | 3,567 |
| Total domestic deposits to total assets | 88.3000% | 1,817 |
| Equity capital to assets | 11.3976% | 1,189 |
| Core capital (leverage) ratio | 16.3875% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4736% | 235 |
| Memoranda: | ||
| Average total assets | $135,602,000 | 3,562 |
| Average earning assets | $126,495,000 | 3,543 |
| Average equity | $15,106,500 | 3,297 |
| Average total loans | $70,353,000 | 3,595 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 1,750 |
| Cost of funding earning assets | 0.2119% | 3,665 |
| Net interest margin | 3.7753% | 1,212 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.8707% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8949% | 2,982 |
| Return on assets (ROA) | 0.8235% | 3,177 |
| Pretax return on assets | 1.0197% | 3,023 |
| Return on Equity (ROE) | 7.0000% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.6321% | 3,200 |
| Net charge-offs to loans | 0.6391% | 110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.7452% | 2,452 |
| Efficiency ratio | 72.1537% | 1,427 |
| Assets per employee ($millions) | 6.3663% | 2,450 |
| Cash dividends to net income (ytd only)* | 33.8515% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 735 |
| Loan loss allowance to noncurrent loans | 448.3636% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 582 |
| Noncurrent loans to loans | 0.3898% | 1,752 |
| Net loans and leases to total assets | 51.8500% | 3,368 |
| Net loans and leases to deposits | 59.6660% | 3,347 |
| Net loans and leases to core deposits | 62.5130% | 3,361 |
| Total domestic deposits to total assets | 86.9000% | 2,421 |
| Equity capital to assets | 10.8757% | 1,314 |
| Core capital (leverage) ratio | 16.3477% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9881% | 221 |
| Memoranda: | ||
| Average total assets | $140,626,600 | 3,526 |
| Average earning assets | $131,672,200 | 3,511 |
| Average equity | $16,536,800 | 3,233 |
| Average total loans | $65,091,600 | 3,658 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 1,650 |
| Cost of funding earning assets | 0.1829% | 3,484 |
| Net interest margin | 3.6537% | 1,261 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.7076% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9890% | 2,511 |
| Return on assets (ROA) | 0.9890% | 2,487 |
| Pretax return on assets | 1.1866% | 2,421 |
| Return on Equity (ROE) | 8.2600% | 3,254 |
| Retained earnings to average equity (ytd only) | 8.2646% | 1,903 |
| Net charge-offs to loans | 0.8494% | 63 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 3.1207% | 2,216 |
| Efficiency ratio | 69.5286% | 1,820 |
| Assets per employee ($millions) | 7.2452% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 604 |
| Loan loss allowance to noncurrent loans | 271.8341% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 506 |
| Noncurrent loans to loans | 0.6992% | 1,170 |
| Net loans and leases to total assets | 46.6800% | 3,722 |
| Net loans and leases to deposits | 52.0211% | 3,727 |
| Net loans and leases to core deposits | 54.9275% | 3,691 |
| Total domestic deposits to total assets | 89.7300% | 1,770 |
| Equity capital to assets | 9.8497% | 1,694 |
| Core capital (leverage) ratio | 15.6488% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5809% | 229 |
| Memoranda: | ||
| Average total assets | $142,360,250 | 3,538 |
| Average earning assets | $133,379,000 | 3,513 |
| Average equity | $17,036,000 | 3,240 |
| Average total loans | $63,726,250 | 3,695 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 1,534 |
| Cost of funding earning assets | 0.1773% | 3,213 |
| Net interest margin | 3.5246% | 1,249 |
| Noninterest income to average assets | 0.5197% | 2,087 |
| Noninterest expense to average assets | 2.6791% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9727% | 2,251 |
| Return on assets (ROA) | 0.9727% | 2,224 |
| Pretax return on assets | 1.1561% | 2,223 |
| Return on Equity (ROE) | 7.6944% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.6944% | 1,731 |
| Net charge-offs to loans | 1.2070% | 51 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.1837% | 2,039 |
| Efficiency ratio | 69.8551% | 1,981 |
| Assets per employee ($millions) | 7.6688% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 557 |
| Loan loss allowance to noncurrent loans | 234.5656% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9238% | 538 |
| Noncurrent loans to loans | 0.8509% | 1,006 |
| Net loans and leases to total assets | 42.7650% | 3,913 |
| Net loans and leases to deposits | 48.1311% | 3,916 |
| Net loans and leases to core deposits | 50.9685% | 3,876 |
| Total domestic deposits to total assets | 88.8510% | 2,244 |
| Equity capital to assets | 10.8367% | 1,292 |
| Core capital (leverage) ratio | 15.0188% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2705% | 189 |
| Memoranda: | ||
| Average total assets | $143,927,333 | 3,566 |
| Average earning assets | $135,390,000 | 3,542 |
| Average equity | $18,195,000 | 3,217 |
| Average total loans | $63,134,000 | 3,740 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5620% | 1,616 |
| Cost of funding earning assets | 0.1781% | 3,110 |
| Net interest margin | 3.3839% | 1,336 |
| Noninterest income to average assets | 0.7019% | 1,312 |
| Noninterest expense to average assets | 2.7014% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0655% | 1,636 |
| Return on assets (ROA) | 1.0655% | 1,628 |
| Pretax return on assets | 1.1885% | 1,841 |
| Return on Equity (ROE) | 7.8567% | 2,739 |
| Retained earnings to average equity (ytd only) | 7.8567% | 1,627 |
| Net charge-offs to loans | 1.4942% | 52 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1.8085% | 1,725 |
| Efficiency ratio | 69.4464% | 2,307 |
| Assets per employee ($millions) | 7.5155% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2506% | 403 |
| Loan loss allowance to noncurrent loans | 277.9961% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.9202% | 582 |
| Noncurrent loans to loans | 0.8096% | 1,170 |
| Net loans and leases to total assets | 43.0396% | 3,818 |
| Net loans and leases to deposits | 49.2278% | 3,796 |
| Net loans and leases to core deposits | 52.2407% | 3,711 |
| Total domestic deposits to total assets | 87.4294% | 2,771 |
| Equity capital to assets | 12.4004% | 832 |
| Core capital (leverage) ratio | 14.7723% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5121% | 186 |
| Memoranda: | ||
| Average total assets | $143,037,000 | 3,589 |
| Average earning assets | $134,755,000 | 3,572 |
| Average equity | $19,397,500 | 3,199 |
| Average total loans | $62,910,500 | 3,746 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 1,922 |
| Cost of funding earning assets | 0.2505% | 2,930 |
| Net interest margin | 3.5296% | 1,654 |
| Noninterest income to average assets | 0.3613% | 3,269 |
| Noninterest expense to average assets | 2.6005% | 1,867 |
| Loan and lease loss provision to assets | 0.0216% | 2,639 |
| Net operating income to assets | 0.8896% | 3,082 |
| Return on assets (ROA) | 0.9245% | 3,023 |
| Pretax return on assets | 1.1243% | 2,895 |
| Return on Equity (ROE) | 6.0575% | 3,764 |
| Retained earnings to average equity (ytd only) | 4.2100% | 3,128 |
| Net charge-offs to loans | 0.5755% | 143 |
| Credit loss provision to net charge-offs | 7.9787% | 2,310 |
| Earnings coverage of net charge-offs (x) | 4.0691% | 2,508 |
| Efficiency ratio | 70.2103% | 1,708 |
| Assets per employee ($millions) | 7.9600% | 1,352 |
| Cash dividends to net income (ytd only)* | 30.4992% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6212% | 236 |
| Loan loss allowance to noncurrent loans | 163.2047% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 349 |
| Noncurrent loans to loans | 1.6061% | 541 |
| Net loans and leases to total assets | 42.7820% | 3,926 |
| Net loans and leases to deposits | 50.2142% | 3,863 |
| Net loans and leases to core deposits | 53.2415% | 3,814 |
| Total domestic deposits to total assets | 85.1989% | 3,209 |
| Equity capital to assets | 14.7180% | 538 |
| Core capital (leverage) ratio | 14.9948% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7604% | 189 |
| Memoranda: | ||
| Average total assets | $138,665,000 | 3,594 |
| Average earning assets | $131,319,600 | 3,554 |
| Average equity | $21,163,800 | 3,124 |
| Average total loans | $65,339,400 | 3,734 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 1,976 |
| Cost of funding earning assets | 0.2691% | 2,910 |
| Net interest margin | 3.5507% | 1,730 |
| Noninterest income to average assets | 0.3461% | 3,379 |
| Noninterest expense to average assets | 2.5355% | 2,018 |
| Loan and lease loss provision to assets | 0.0291% | 2,415 |
| Net operating income to assets | 0.9392% | 3,124 |
| Return on assets (ROA) | 0.9861% | 3,041 |
| Pretax return on assets | 1.2033% | 2,917 |
| Return on Equity (ROE) | 6.4013% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.4013% | 2,649 |
| Net charge-offs to loans | 0.7846% | 93 |
| Credit loss provision to net charge-offs | 7.7320% | 2,029 |
| Earnings coverage of net charge-offs (x) | 3.1237% | 2,327 |
| Efficiency ratio | 68.3303% | 1,783 |
| Assets per employee ($millions) | 7.3524% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5222% | 280 |
| Loan loss allowance to noncurrent loans | 146.7742% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.4224% | 364 |
| Noncurrent loans to loans | 1.7184% | 586 |
| Net loans and leases to total assets | 45.3170% | 3,848 |
| Net loans and leases to deposits | 53.7544% | 3,758 |
| Net loans and leases to core deposits | 56.3316% | 3,748 |
| Total domestic deposits to total assets | 84.3038% | 3,368 |
| Equity capital to assets | 15.3762% | 484 |
| Core capital (leverage) ratio | 15.1002% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4075% | 207 |
| Memoranda: | ||
| Average total assets | $137,511,250 | 3,645 |
| Average earning assets | $130,299,250 | 3,610 |
| Average equity | $21,182,750 | 3,152 |
| Average total loans | $65,937,250 | 3,780 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 1,949 |
| Cost of funding earning assets | 0.2958% | 2,817 |
| Net interest margin | 3.5526% | 1,702 |
| Noninterest income to average assets | 0.3407% | 3,402 |
| Noninterest expense to average assets | 2.6407% | 1,754 |
| Loan and lease loss provision to assets | 0.0439% | 2,140 |
| Net operating income to assets | 0.8402% | 3,397 |
| Return on assets (ROA) | 0.9109% | 3,267 |
| Pretax return on assets | 1.1142% | 3,165 |
| Return on Equity (ROE) | 5.9098% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.9098% | 2,839 |
| Net charge-offs to loans | 0.0755% | 898 |
| Credit loss provision to net charge-offs | 120.0000% | 1,258 |
| Earnings coverage of net charge-offs (x) | 29.3200% | 1,320 |
| Efficiency ratio | 71.1304% | 1,512 |
| Assets per employee ($millions) | 7.2149% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0804% | 139 |
| Loan loss allowance to noncurrent loans | 131.7314% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 276 |
| Noncurrent loans to loans | 2.3384% | 375 |
| Net loans and leases to total assets | 45.9276% | 3,913 |
| Net loans and leases to deposits | 54.4906% | 3,826 |
| Net loans and leases to core deposits | 57.1528% | 3,824 |
| Total domestic deposits to total assets | 84.2854% | 3,345 |
| Equity capital to assets | 15.4862% | 467 |
| Core capital (leverage) ratio | 14.8892% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2525% | 212 |
| Memoranda: | ||
| Average total assets | $136,783,000 | 3,667 |
| Average earning assets | $129,819,000 | 3,631 |
| Average equity | $21,083,667 | 3,159 |
| Average total loans | $66,268,333 | 3,792 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 1,759 |
| Cost of funding earning assets | 0.3208% | 2,786 |
| Net interest margin | 3.6089% | 1,561 |
| Noninterest income to average assets | 0.3425% | 3,381 |
| Noninterest expense to average assets | 2.6611% | 1,713 |
| Loan and lease loss provision to assets | 0.0878% | 1,501 |
| Net operating income to assets | 0.8362% | 3,308 |
| Return on assets (ROA) | 0.9778% | 2,973 |
| Pretax return on assets | 1.1915% | 2,867 |
| Return on Equity (ROE) | 6.3586% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.3586% | 2,776 |
| Net charge-offs to loans | 0.2331% | 364 |
| Credit loss provision to net charge-offs | 76.9231% | 1,225 |
| Earnings coverage of net charge-offs (x) | 9.6923% | 1,528 |
| Efficiency ratio | 70.6294% | 1,635 |
| Assets per employee ($millions) | 7.3166% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0276% | 142 |
| Loan loss allowance to noncurrent loans | 146.3181% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.6034% | 367 |
| Noncurrent loans to loans | 2.0692% | 513 |
| Net loans and leases to total assets | 45.7807% | 3,973 |
| Net loans and leases to deposits | 54.0893% | 3,931 |
| Net loans and leases to core deposits | 57.6248% | 3,864 |
| Total domestic deposits to total assets | 84.6391% | 3,240 |
| Equity capital to assets | 15.0581% | 485 |
| Core capital (leverage) ratio | 15.0791% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0996% | 217 |
| Memoranda: | ||
| Average total assets | $136,633,000 | 3,676 |
| Average earning assets | $129,679,000 | 3,634 |
| Average equity | $21,011,000 | 3,159 |
| Average total loans | $66,922,500 | 3,796 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4680% | 1,391 |
| Cost of funding earning assets | 0.5426% | 2,656 |
| Net interest margin | 3.9254% | 1,148 |
| Noninterest income to average assets | 0.3987% | 3,095 |
| Noninterest expense to average assets | 2.8177% | 1,895 |
| Loan and lease loss provision to assets | 0.4718% | 567 |
| Net operating income to assets | 0.6802% | 3,492 |
| Return on assets (ROA) | 0.6802% | 3,621 |
| Pretax return on assets | 0.8132% | 3,604 |
| Return on Equity (ROE) | 4.1519% | 4,127 |
| Retained earnings to average equity (ytd only) | 2.4191% | 3,653 |
| Net charge-offs to loans | 0.4070% | 423 |
| Credit loss provision to net charge-offs | 211.2676% | 2,107 |
| Earnings coverage of net charge-offs (x) | 5.7535% | 2,840 |
| Efficiency ratio | 68.6793% | 2,143 |
| Assets per employee ($millions) | 6.7126% | 1,775 |
| Cash dividends to net income (ytd only)* | 41.7341% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9260% | 156 |
| Loan loss allowance to noncurrent loans | 118.8803% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.8950% | 314 |
| Noncurrent loans to loans | 2.4613% | 415 |
| Net loans and leases to total assets | 49.3255% | 3,875 |
| Net loans and leases to deposits | 58.6750% | 3,851 |
| Net loans and leases to core deposits | 62.6727% | 3,795 |
| Total domestic deposits to total assets | 84.0657% | 3,090 |
| Equity capital to assets | 15.7086% | 462 |
| Core capital (leverage) ratio | 16.1881% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2994% | 282 |
| Memoranda: | ||
| Average total assets | $127,159,200 | 3,668 |
| Average earning assets | $119,986,800 | 3,623 |
| Average equity | $20,833,800 | 3,110 |
| Average total loans | $69,777,200 | 3,741 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 1,356 |
| Cost of funding earning assets | 0.5889% | 2,681 |
| Net interest margin | 3.9946% | 1,127 |
| Noninterest income to average assets | 0.3966% | 3,096 |
| Noninterest expense to average assets | 2.6105% | 2,506 |
| Loan and lease loss provision to assets | 0.4785% | 639 |
| Net operating income to assets | 0.8847% | 2,757 |
| Return on assets (ROA) | 0.8847% | 2,880 |
| Pretax return on assets | 1.0729% | 2,841 |
| Return on Equity (ROE) | 5.3409% | 3,776 |
| Retained earnings to average equity (ytd only) | 5.3409% | 2,409 |
| Net charge-offs to loans | 0.4693% | 317 |
| Credit loss provision to net charge-offs | 182.1862% | 2,173 |
| Earnings coverage of net charge-offs (x) | 5.9069% | 2,697 |
| Efficiency ratio | 62.7236% | 2,953 |
| Assets per employee ($millions) | 6.5282% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7336% | 182 |
| Loan loss allowance to noncurrent loans | 106.0811% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9768% | 334 |
| Noncurrent loans to loans | 2.5769% | 401 |
| Net loans and leases to total assets | 51.3434% | 4,012 |
| Net loans and leases to deposits | 61.7655% | 3,945 |
| Net loans and leases to core deposits | 65.4048% | 3,928 |
| Total domestic deposits to total assets | 83.1263% | 3,112 |
| Equity capital to assets | 16.4165% | 424 |
| Core capital (leverage) ratio | 15.6011% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2933% | 222 |
| Memoranda: | ||
| Average total assets | $125,386,250 | 3,675 |
| Average earning assets | $118,190,000 | 3,634 |
| Average equity | $20,770,000 | 3,114 |
| Average total loans | $70,167,500 | 3,748 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6588% | 1,515 |
| Cost of funding earning assets | 0.6248% | 2,837 |
| Net interest margin | 4.0340% | 1,253 |
| Noninterest income to average assets | 0.3930% | 3,126 |
| Noninterest expense to average assets | 2.6265% | 2,582 |
| Loan and lease loss provision to assets | 0.4852% | 755 |
| Net operating income to assets | 0.8912% | 2,720 |
| Return on assets (ROA) | 0.8912% | 2,842 |
| Pretax return on assets | 1.0820% | 2,770 |
| Return on Equity (ROE) | 5.3629% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.3629% | 2,325 |
| Net charge-offs to loans | 0.6319% | 253 |
| Credit loss provision to net charge-offs | 134.5291% | 2,207 |
| Earnings coverage of net charge-offs (x) | 4.3453% | 2,605 |
| Efficiency ratio | 62.6302% | 3,021 |
| Assets per employee ($millions) | 7.3382% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5313% | 209 |
| Loan loss allowance to noncurrent loans | 85.9589% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 312 |
| Noncurrent loans to loans | 2.9448% | 335 |
| Net loans and leases to total assets | 51.2185% | 4,078 |
| Net loans and leases to deposits | 61.3188% | 4,051 |
| Net loans and leases to core deposits | 65.1719% | 4,013 |
| Total domestic deposits to total assets | 83.5283% | 2,915 |
| Equity capital to assets | 15.9955% | 473 |
| Core capital (leverage) ratio | 15.7404% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1576% | 228 |
| Memoranda: | ||
| Average total assets | $123,660,333 | 3,682 |
| Average earning assets | $116,510,667 | 3,643 |
| Average equity | $20,548,667 | 3,128 |
| Average total loans | $70,583,333 | 3,742 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0640% | 854 |
| Cost of funding earning assets | 0.6557% | 3,141 |
| Net interest margin | 4.4083% | 616 |
| Noninterest income to average assets | 0.4521% | 2,778 |
| Noninterest expense to average assets | 2.8732% | 2,203 |
| Loan and lease loss provision to assets | 0.5023% | 585 |
| Net operating income to assets | 1.0013% | 2,168 |
| Return on assets (ROA) | 1.0013% | 2,275 |
| Pretax return on assets | 1.2190% | 2,128 |
| Return on Equity (ROE) | 5.9035% | 3,350 |
| Retained earnings to average equity (ytd only) | 5.9035% | 1,912 |
| Net charge-offs to loans | 1.0847% | 143 |
| Credit loss provision to net charge-offs | 77.7202% | 1,945 |
| Earnings coverage of net charge-offs (x) | 2.6632% | 2,264 |
| Efficiency ratio | 62.5364% | 3,432 |
| Assets per employee ($millions) | 6.7397% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3338% | 312 |
| Loan loss allowance to noncurrent loans | 78.7398% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 2.3773% | 305 |
| Noncurrent loans to loans | 2.9639% | 369 |
| Net loans and leases to total assets | 56.4703% | 3,800 |
| Net loans and leases to deposits | 68.3028% | 3,708 |
| Net loans and leases to core deposits | 73.0305% | 3,693 |
| Total domestic deposits to total assets | 82.6765% | 3,216 |
| Equity capital to assets | 16.9641% | 447 |
| Core capital (leverage) ratio | 16.7118% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9298% | 248 |
| Memoranda: | ||
| Average total assets | $119,447,000 | 3,710 |
| Average earning assets | $112,243,500 | 3,679 |
| Average equity | $20,259,000 | 3,149 |
| Average total loans | $71,170,000 | 3,742 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 793 |
| Cost of funding earning assets | 0.5964% | 3,656 |
| Net interest margin | 4.7209% | 446 |
| Noninterest income to average assets | 0.4456% | 3,024 |
| Noninterest expense to average assets | 2.8012% | 2,598 |
| Loan and lease loss provision to assets | 1.4348% | 61 |
| Net operating income to assets | 0.5694% | 4,246 |
| Return on assets (ROA) | 0.5899% | 4,248 |
| Pretax return on assets | 0.7039% | 4,206 |
| Return on Equity (ROE) | 3.5691% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.7258% | 4,116 |
| Net charge-offs to loans | 1.9889% | 58 |
| Credit loss provision to net charge-offs | 114.0174% | 2,204 |
| Earnings coverage of net charge-offs (x) | 1.6801% | 3,509 |
| Efficiency ratio | 56.9883% | 4,092 |
| Assets per employee ($millions) | 6.1884% | 1,497 |
| Cash dividends to net income (ytd only)* | 51.6452% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3270% | 275 |
| Loan loss allowance to noncurrent loans | 70.8263% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.7020% | 220 |
| Noncurrent loans to loans | 3.2855% | 259 |
| Net loans and leases to total assets | 59.9733% | 3,585 |
| Net loans and leases to deposits | 72.3709% | 3,490 |
| Net loans and leases to core deposits | 77.5140% | 3,477 |
| Total domestic deposits to total assets | 82.8694% | 3,240 |
| Equity capital to assets | 16.9571% | 474 |
| Core capital (leverage) ratio | 16.3769% | 476 |
| Tier 1 risk-based capital ratio | 28.5431% | 534 |
| Total risk-based capital ratio | 29.8077% | 524 |
| Memoranda: | ||
| Average total assets | $118,486,600 | 3,726 |
| Average earning assets | $112,181,200 | 3,675 |
| Average equity | $19,585,000 | 3,169 |
| Average total loans | $74,965,800 | 3,679 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 850 |
| Cost of funding earning assets | 0.5693% | 3,822 |
| Net interest margin | 4.7386% | 464 |
| Noninterest income to average assets | 0.4492% | 3,025 |
| Noninterest expense to average assets | 2.7359% | 2,765 |
| Loan and lease loss provision to assets | 1.4601% | 57 |
| Net operating income to assets | 0.5471% | 4,410 |
| Return on assets (ROA) | 0.5728% | 4,413 |
| Pretax return on assets | 0.7828% | 4,166 |
| Return on Equity (ROE) | 3.4877% | 4,683 |
| Retained earnings to average equity (ytd only) | 3.4877% | 3,663 |
| Net charge-offs to loans | 2.0724% | 55 |
| Credit loss provision to net charge-offs | 110.5442% | 2,085 |
| Earnings coverage of net charge-offs (x) | 1.6735% | 3,266 |
| Efficiency ratio | 55.3134% | 4,240 |
| Assets per employee ($millions) | 6.3818% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1833% | 339 |
| Loan loss allowance to noncurrent loans | 31.8609% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 4.7899% | 80 |
| Noncurrent loans to loans | 6.8527% | 55 |
| Net loans and leases to total assets | 58.8962% | 3,783 |
| Net loans and leases to deposits | 70.9563% | 3,695 |
| Net loans and leases to core deposits | 75.9158% | 3,702 |
| Total domestic deposits to total assets | 83.0034% | 3,169 |
| Equity capital to assets | 16.5380% | 552 |
| Core capital (leverage) ratio | 16.5579% | 494 |
| Tier 1 risk-based capital ratio | 27.5709% | 604 |
| Total risk-based capital ratio | 28.8316% | 590 |
| Memoranda: | ||
| Average total assets | $118,713,500 | 3,763 |
| Average earning assets | $112,659,750 | 3,701 |
| Average equity | $19,496,750 | 3,200 |
| Average total loans | $75,658,250 | 3,712 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 768 |
| Cost of funding earning assets | 0.5294% | 3,992 |
| Net interest margin | 4.7981% | 406 |
| Noninterest income to average assets | 0.4446% | 2,988 |
| Noninterest expense to average assets | 2.6827% | 2,964 |
| Loan and lease loss provision to assets | 2.1210% | 37 |
| Net operating income to assets | -0.0168% | 5,104 |
| Return on assets (ROA) | 0.0221% | 5,103 |
| Pretax return on assets | 0.2579% | 4,975 |
| Return on Equity (ROE) | 0.1346% | 5,102 |
| Retained earnings to average equity (ytd only) | 0.1346% | 4,653 |
| Net charge-offs to loans | 0.7970% | 178 |
| Credit loss provision to net charge-offs | 409.8361% | 700 |
| Earnings coverage of net charge-offs (x) | 4.5016% | 2,736 |
| Efficiency ratio | 53.5206% | 4,517 |
| Assets per employee ($millions) | 6.1749% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2032% | 109 |
| Loan loss allowance to noncurrent loans | 91.2698% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 3.0574% | 190 |
| Noncurrent loans to loans | 3.5096% | 237 |
| Net loans and leases to total assets | 62.2026% | 3,521 |
| Net loans and leases to deposits | 74.8815% | 3,437 |
| Net loans and leases to core deposits | 79.8333% | 3,437 |
| Total domestic deposits to total assets | 83.0681% | 3,174 |
| Equity capital to assets | 16.5654% | 524 |
| Core capital (leverage) ratio | 16.2615% | 519 |
| Tier 1 risk-based capital ratio | 26.9387% | 627 |
| Total risk-based capital ratio | 28.2144% | 611 |
| Memoranda: | ||
| Average total assets | $117,866,670 | 3,799 |
| Average earning assets | $112,211,000 | 3,734 |
| Average equity | $19,311,330 | 3,216 |
| Average total loans | $76,541,670 | 3,724 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2967% | 764 |
| Cost of funding earning assets | 0.4979% | 4,068 |
| Net interest margin | 4.7988% | 413 |
| Noninterest income to average assets | 0.4266% | 3,002 |
| Noninterest expense to average assets | 2.5326% | 3,410 |
| Loan and lease loss provision to assets | 1.0158% | 82 |
| Net operating income to assets | 1.2089% | 2,023 |
| Return on assets (ROA) | 1.2866% | 1,787 |
| Pretax return on assets | 1.5744% | 1,534 |
| Return on Equity (ROE) | 7.8963% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.8963% | 1,706 |
| Net charge-offs to loans | 0.6691% | 226 |
| Credit loss provision to net charge-offs | 232.5581% | 960 |
| Earnings coverage of net charge-offs (x) | 5.7132% | 2,244 |
| Efficiency ratio | 50.3704% | 4,801 |
| Assets per employee ($millions) | 6.2862% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 396 |
| Loan loss allowance to noncurrent loans | 47.6758% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.8819% | 222 |
| Noncurrent loans to loans | 4.4829% | 152 |
| Net loans and leases to total assets | 62.9118% | 3,412 |
| Net loans and leases to deposits | 75.7505% | 3,286 |
| Net loans and leases to core deposits | 81.1009% | 3,265 |
| Total domestic deposits to total assets | 83.0513% | 3,368 |
| Equity capital to assets | 16.3944% | 514 |
| Core capital (leverage) ratio | 16.6761% | 458 |
| Tier 1 risk-based capital ratio | 27.1026% | 611 |
| Total risk-based capital ratio | 28.3651% | 598 |
| Memoranda: | ||
| Average total assets | $118,138,500 | 3,837 |
| Average earning assets | $113,279,000 | 3,759 |
| Average equity | $19,249,500 | 3,230 |
| Average total loans | $77,116,000 | 3,750 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 635 |
| Cost of funding earning assets | 0.4166% | 3,884 |
| Net interest margin | 4.8338% | 368 |
| Noninterest income to average assets | 0.4476% | 3,119 |
| Noninterest expense to average assets | 2.6929% | 3,046 |
| Loan and lease loss provision to assets | 1.0657% | 78 |
| Net operating income to assets | 1.1396% | 2,434 |
| Return on assets (ROA) | 1.1444% | 2,412 |
| Pretax return on assets | 1.3551% | 2,298 |
| Return on Equity (ROE) | 7.4913% | 3,663 |
| Retained earnings to average equity (ytd only) | 5.5541% | 2,455 |
| Net charge-offs to loans | 1.9400% | 56 |
| Credit loss provision to net charge-offs | 86.8403% | 2,761 |
| Earnings coverage of net charge-offs (x) | 1.9679% | 3,569 |
| Efficiency ratio | 52.7203% | 4,741 |
| Assets per employee ($millions) | 6.1495% | 1,416 |
| Cash dividends to net income (ytd only)* | 25.8596% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 577 |
| Loan loss allowance to noncurrent loans | 90.3503% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.4901% | 792 |
| Noncurrent loans to loans | 2.1007% | 629 |
| Net loans and leases to total assets | 65.0300% | 3,253 |
| Net loans and leases to deposits | 77.6934% | 3,203 |
| Net loans and leases to core deposits | 84.1885% | 3,068 |
| Total domestic deposits to total assets | 83.7008% | 3,084 |
| Equity capital to assets | 16.1914% | 508 |
| Core capital (leverage) ratio | 15.9771% | 515 |
| Tier 1 risk-based capital ratio | 26.4367% | 644 |
| Total risk-based capital ratio | 27.6964% | 635 |
| Memoranda: | ||
| Average total assets | $121,986,200 | 3,758 |
| Average earning assets | $117,609,000 | 3,683 |
| Average equity | $18,635,000 | 3,226 |
| Average total loans | $77,163,000 | 3,723 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 668 |
| Cost of funding earning assets | 0.4002% | 3,858 |
| Net interest margin | 4.7687% | 396 |
| Noninterest income to average assets | 0.3948% | 3,513 |
| Noninterest expense to average assets | 2.4260% | 3,794 |
| Loan and lease loss provision to assets | 1.0275% | 81 |
| Net operating income to assets | 1.2937% | 1,885 |
| Return on assets (ROA) | 1.3001% | 1,855 |
| Pretax return on assets | 1.5499% | 1,730 |
| Return on Equity (ROE) | 8.6329% | 3,273 |
| Retained earnings to average equity (ytd only) | 8.6329% | 1,364 |
| Net charge-offs to loans | 2.1117% | 43 |
| Credit loss provision to net charge-offs | 77.8051% | 2,545 |
| Earnings coverage of net charge-offs (x) | 1.9459% | 3,297 |
| Efficiency ratio | 48.5603% | 5,027 |
| Assets per employee ($millions) | 6.3335% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 703 |
| Loan loss allowance to noncurrent loans | 62.8829% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.9396% | 556 |
| Noncurrent loans to loans | 2.8853% | 396 |
| Net loans and leases to total assets | 62.7787% | 3,567 |
| Net loans and leases to deposits | 74.7625% | 3,525 |
| Net loans and leases to core deposits | 81.6890% | 3,354 |
| Total domestic deposits to total assets | 83.9708% | 2,952 |
| Equity capital to assets | 15.6859% | 585 |
| Core capital (leverage) ratio | 16.0002% | 515 |
| Tier 1 risk-based capital ratio | 26.7075% | 635 |
| Total risk-based capital ratio | 27.9679% | 625 |
| Memoranda: | ||
| Average total assets | $123,272,750 | 3,778 |
| Average earning assets | $118,940,500 | 3,701 |
| Average equity | $18,564,250 | 3,252 |
| Average total loans | $77,091,000 | 3,757 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 648 |
| Cost of funding earning assets | 0.3888% | 3,819 |
| Net interest margin | 4.7252% | 411 |
| Noninterest income to average assets | 0.4056% | 3,445 |
| Noninterest expense to average assets | 2.5223% | 3,574 |
| Loan and lease loss provision to assets | 0.8048% | 114 |
| Net operating income to assets | 1.3698% | 1,537 |
| Return on assets (ROA) | 1.3698% | 1,539 |
| Pretax return on assets | 1.6370% | 1,388 |
| Return on Equity (ROE) | 9.2198% | 2,924 |
| Retained earnings to average equity (ytd only) | 9.2198% | 1,147 |
| Net charge-offs to loans | 1.6541% | 71 |
| Credit loss provision to net charge-offs | 78.3699% | 2,275 |
| Earnings coverage of net charge-offs (x) | 2.3777% | 2,978 |
| Efficiency ratio | 50.8106% | 4,973 |
| Assets per employee ($millions) | 6.4517% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 559 |
| Loan loss allowance to noncurrent loans | 81.5467% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.6226% | 782 |
| Noncurrent loans to loans | 2.4012% | 551 |
| Net loans and leases to total assets | 62.4537% | 3,548 |
| Net loans and leases to deposits | 73.9046% | 3,543 |
| Net loans and leases to core deposits | 81.0633% | 3,315 |
| Total domestic deposits to total assets | 84.5059% | 2,871 |
| Equity capital to assets | 15.2600% | 640 |
| Core capital (leverage) ratio | 15.3165% | 612 |
| Tier 1 risk-based capital ratio | 25.7448% | 691 |
| Total risk-based capital ratio | 27.0060% | 666 |
| Memoranda: | ||
| Average total assets | $124,251,330 | 3,790 |
| Average earning assets | $119,867,330 | 3,715 |
| Average equity | $18,460,330 | 3,282 |
| Average total loans | $77,140,670 | 3,774 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 723 |
| Cost of funding earning assets | 0.3745% | 3,782 |
| Net interest margin | 4.6072% | 493 |
| Noninterest income to average assets | 0.4157% | 3,349 |
| Noninterest expense to average assets | 2.7757% | 2,788 |
| Loan and lease loss provision to assets | 0.4797% | 221 |
| Net operating income to assets | 1.3303% | 1,542 |
| Return on assets (ROA) | 1.3303% | 1,555 |
| Pretax return on assets | 1.6053% | 1,381 |
| Return on Equity (ROE) | 9.0743% | 2,876 |
| Retained earnings to average equity (ytd only) | 9.0743% | 1,435 |
| Net charge-offs to loans | 1.8991% | 65 |
| Credit loss provision to net charge-offs | 41.2088% | 2,009 |
| Earnings coverage of net charge-offs (x) | 1.7912% | 2,518 |
| Efficiency ratio | 57.1053% | 4,451 |
| Assets per employee ($millions) | 7.8249% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 675 |
| Loan loss allowance to noncurrent loans | 50.9110% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.3227% | 429 |
| Noncurrent loans to loans | 3.7029% | 278 |
| Net loans and leases to total assets | 60.4006% | 3,710 |
| Net loans and leases to deposits | 70.9111% | 3,711 |
| Net loans and leases to core deposits | 78.4287% | 3,458 |
| Total domestic deposits to total assets | 85.1780% | 2,867 |
| Equity capital to assets | 14.6463% | 742 |
| Core capital (leverage) ratio | 15.1115% | 637 |
| Tier 1 risk-based capital ratio | 24.9433% | 753 |
| Total risk-based capital ratio | 26.2015% | 740 |
| Memoranda: | ||
| Average total assets | $125,086,000 | 3,812 |
| Average earning assets | $120,681,000 | 3,737 |
| Average equity | $18,337,500 | 3,321 |
| Average total loans | $76,668,000 | 3,816 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1657% | 472 |
| Cost of funding earning assets | 0.3682% | 3,538 |
| Net interest margin | 4.7975% | 354 |
| Noninterest income to average assets | 0.1865% | 5,025 |
| Noninterest expense to average assets | 2.2800% | 4,388 |
| Loan and lease loss provision to assets | 1.6165% | 47 |
| Net operating income to assets | 0.7006% | 3,603 |
| Return on assets (ROA) | 0.7114% | 3,603 |
| Pretax return on assets | 0.9547% | 3,718 |
| Return on Equity (ROE) | 4.8186% | 4,237 |
| Retained earnings to average equity (ytd only) | 2.8673% | 3,598 |
| Net charge-offs to loans | 2.4936% | 55 |
| Credit loss provision to net charge-offs | 100.8487% | 2,540 |
| Earnings coverage of net charge-offs (x) | 1.5951% | 3,868 |
| Efficiency ratio | 47.1377% | 5,352 |
| Assets per employee ($millions) | 7.3514% | 827 |
| Cash dividends to net income (ytd only)* | 40.4949% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1859% | 380 |
| Loan loss allowance to noncurrent loans | 59.2395% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.2517% | 449 |
| Noncurrent loans to loans | 3.6899% | 265 |
| Net loans and leases to total assets | 59.6889% | 3,856 |
| Net loans and leases to deposits | 70.0423% | 3,872 |
| Net loans and leases to core deposits | 78.0168% | 3,581 |
| Total domestic deposits to total assets | 85.2184% | 2,749 |
| Equity capital to assets | 14.6736% | 741 |
| Core capital (leverage) ratio | 14.3345% | 765 |
| Tier 1 risk-based capital ratio | 24.6224% | 763 |
| Total risk-based capital ratio | 25.8849% | 740 |
| Memoranda: | ||
| Average total assets | $124,957,800 | 3,819 |
| Average earning assets | $121,124,800 | 3,723 |
| Average equity | $18,449,400 | 3,310 |
| Average total loans | $80,326,800 | 3,744 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 472 |
| Cost of funding earning assets | 0.3650% | 3,508 |
| Net interest margin | 4.7708% | 362 |
| Noninterest income to average assets | 0.4055% | 3,651 |
| Noninterest expense to average assets | 2.4915% | 3,769 |
| Loan and lease loss provision to assets | 1.0884% | 97 |
| Net operating income to assets | 1.1087% | 2,049 |
| Return on assets (ROA) | 1.1225% | 2,049 |
| Pretax return on assets | 1.4736% | 1,868 |
| Return on Equity (ROE) | 7.5911% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.5911% | 1,393 |
| Net charge-offs to loans | 1.4408% | 111 |
| Credit loss provision to net charge-offs | 116.0410% | 2,061 |
| Earnings coverage of net charge-offs (x) | 2.7122% | 3,431 |
| Efficiency ratio | 49.4808% | 5,272 |
| Assets per employee ($millions) | 7.5506% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 372 |
| Loan loss allowance to noncurrent loans | 45.8173% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 3.0453% | 290 |
| Noncurrent loans to loans | 4.9281% | 169 |
| Net loans and leases to total assets | 60.3992% | 3,816 |
| Net loans and leases to deposits | 71.1719% | 3,853 |
| Net loans and leases to core deposits | 79.0588% | 3,532 |
| Total domestic deposits to total assets | 84.8638% | 2,769 |
| Equity capital to assets | 14.8854% | 753 |
| Core capital (leverage) ratio | 14.7989% | 701 |
| Tier 1 risk-based capital ratio | 25.1940% | 728 |
| Total risk-based capital ratio | 26.4580% | 716 |
| Memoranda: | ||
| Average total assets | $124,954,000 | 3,863 |
| Average earning assets | $121,263,250 | 3,764 |
| Average equity | $18,477,250 | 3,332 |
| Average total loans | $81,343,000 | 3,744 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 411 |
| Cost of funding earning assets | 0.3645% | 3,433 |
| Net interest margin | 4.8171% | 314 |
| Noninterest income to average assets | 0.3247% | 4,229 |
| Noninterest expense to average assets | 2.2921% | 4,369 |
| Loan and lease loss provision to assets | 1.6476% | 57 |
| Net operating income to assets | 0.5779% | 4,398 |
| Return on assets (ROA) | 0.5944% | 4,377 |
| Pretax return on assets | 1.0855% | 3,237 |
| Return on Equity (ROE) | 4.0291% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.0291% | 3,314 |
| Net charge-offs to loans | 0.1414% | 1,308 |
| Credit loss provision to net charge-offs | 1,758.6207% | 237 |
| Earnings coverage of net charge-offs (x) | 28.8966% | 1,492 |
| Efficiency ratio | 45.8481% | 5,466 |
| Assets per employee ($millions) | 7.5584% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2147% | 133 |
| Loan loss allowance to noncurrent loans | 56.6717% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 3.5870% | 220 |
| Noncurrent loans to loans | 5.6724% | 112 |
| Net loans and leases to total assets | 61.2026% | 3,721 |
| Net loans and leases to deposits | 71.7573% | 3,764 |
| Net loans and leases to core deposits | 81.7457% | 3,274 |
| Total domestic deposits to total assets | 85.2910% | 2,698 |
| Equity capital to assets | 14.3774% | 861 |
| Core capital (leverage) ratio | 14.4588% | 753 |
| Tier 1 risk-based capital ratio | 24.4331% | 813 |
| Total risk-based capital ratio | 25.7105% | 787 |
| Memoranda: | ||
| Average total assets | $123,818,330 | 3,897 |
| Average earning assets | $120,155,670 | 3,806 |
| Average equity | $18,267,330 | 3,365 |
| Average total loans | $82,017,330 | 3,745 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 346 |
| Cost of funding earning assets | 0.3664% | 3,356 |
| Net interest margin | 4.8892% | 265 |
| Noninterest income to average assets | 0.4083% | 3,598 |
| Noninterest expense to average assets | 2.2818% | 4,451 |
| Loan and lease loss provision to assets | 0.9878% | 90 |
| Net operating income to assets | 1.3648% | 1,076 |
| Return on assets (ROA) | 1.4027% | 1,028 |
| Pretax return on assets | 1.9361% | 576 |
| Return on Equity (ROE) | 9.3812% | 2,241 |
| Retained earnings to average equity (ytd only) | 9.3812% | 955 |
| Net charge-offs to loans | 0.0922% | 1,428 |
| Credit loss provision to net charge-offs | 1,578.9474% | 205 |
| Earnings coverage of net charge-offs (x) | 45.8947% | 944 |
| Efficiency ratio | 44.2812% | 5,586 |
| Assets per employee ($millions) | 7.1356% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3577% | 375 |
| Loan loss allowance to noncurrent loans | 42.4116% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 3.7533% | 216 |
| Noncurrent loans to loans | 5.5591% | 132 |
| Net loans and leases to total assets | 65.9250% | 2,986 |
| Net loans and leases to deposits | 77.8360% | 2,994 |
| Net loans and leases to core deposits | 88.8764% | 2,467 |
| Total domestic deposits to total assets | 84.6974% | 3,219 |
| Equity capital to assets | 15.1913% | 617 |
| Core capital (leverage) ratio | 14.9696% | 609 |
| Tier 1 risk-based capital ratio | 24.3697% | 832 |
| Total risk-based capital ratio | 25.6357% | 808 |
| Memoranda: | ||
| Average total assets | $121,481,000 | 3,971 |
| Average earning assets | $117,893,000 | 3,873 |
| Average equity | $18,164,000 | 3,391 |
| Average total loans | $82,399,500 | 3,754 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2962% | 359 |
| Cost of funding earning assets | 0.3672% | 3,339 |
| Net interest margin | 4.9290% | 282 |
| Noninterest income to average assets | 0.3903% | 3,961 |
| Noninterest expense to average assets | 2.5422% | 3,868 |
| Loan and lease loss provision to assets | 0.9859% | 104 |
| Net operating income to assets | 1.2287% | 1,413 |
| Return on assets (ROA) | 1.3282% | 1,204 |
| Pretax return on assets | 1.7983% | 804 |
| Return on Equity (ROE) | 9.1348% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.2686% | 1,126 |
| Net charge-offs to loans | 0.8249% | 243 |
| Credit loss provision to net charge-offs | 180.0595% | 1,553 |
| Earnings coverage of net charge-offs (x) | 4.8393% | 3,436 |
| Efficiency ratio | 48.9642% | 5,533 |
| Assets per employee ($millions) | 7.1562% | 855 |
| Cash dividends to net income (ytd only)* | 20.4294% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 669 |
| Loan loss allowance to noncurrent loans | 36.3757% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 3.7951% | 210 |
| Noncurrent loans to loans | 5.4719% | 129 |
| Net loans and leases to total assets | 66.7842% | 2,960 |
| Net loans and leases to deposits | 78.3942% | 3,058 |
| Net loans and leases to core deposits | 93.0291% | 2,210 |
| Total domestic deposits to total assets | 85.1902% | 2,960 |
| Equity capital to assets | 14.7136% | 687 |
| Core capital (leverage) ratio | 14.2101% | 760 |
| Tier 1 risk-based capital ratio | 23.3678% | 928 |
| Total risk-based capital ratio | 24.6290% | 916 |
| Memoranda: | ||
| Average total assets | $122,726,800 | 3,946 |
| Average earning assets | $119,557,600 | 3,834 |
| Average equity | $17,843,800 | 3,429 |
| Average total loans | $81,464,000 | 3,776 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 345 |
| Cost of funding earning assets | 0.3629% | 3,409 |
| Net interest margin | 4.9643% | 272 |
| Noninterest income to average assets | 0.4215% | 3,763 |
| Noninterest expense to average assets | 2.3786% | 4,336 |
| Loan and lease loss provision to assets | 0.8127% | 133 |
| Net operating income to assets | 1.4958% | 885 |
| Return on assets (ROA) | 1.6222% | 737 |
| Pretax return on assets | 2.2377% | 355 |
| Return on Equity (ROE) | 11.1655% | 1,610 |
| Retained earnings to average equity (ytd only) | 8.6818% | 915 |
| Net charge-offs to loans | 0.5261% | 403 |
| Credit loss provision to net charge-offs | 234.3750% | 1,256 |
| Earnings coverage of net charge-offs (x) | 8.2905% | 2,783 |
| Efficiency ratio | 45.2764% | 5,699 |
| Assets per employee ($millions) | 7.1809% | 824 |
| Cash dividends to net income (ytd only)* | 22.2445% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 904 |
| Loan loss allowance to noncurrent loans | 95.8955% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.3836% | 1,351 |
| Noncurrent loans to loans | 1.9445% | 1,021 |
| Net loans and leases to total assets | 66.4772% | 3,044 |
| Net loans and leases to deposits | 78.7845% | 3,107 |
| Net loans and leases to core deposits | 92.4841% | 2,333 |
| Total domestic deposits to total assets | 84.3785% | 3,070 |
| Equity capital to assets | 15.0195% | 737 |
| Core capital (leverage) ratio | 14.3100% | 773 |
| Tier 1 risk-based capital ratio | 23.6884% | 928 |
| Total risk-based capital ratio | 24.9485% | 910 |
| Memoranda: | ||
| Average total assets | $123,040,750 | 3,964 |
| Average earning assets | $119,759,000 | 3,854 |
| Average equity | $17,876,000 | 3,452 |
| Average total loans | $81,105,750 | 3,798 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3030% | 360 |
| Cost of funding earning assets | 0.3573% | 3,482 |
| Net interest margin | 4.9457% | 287 |
| Noninterest income to average assets | 0.4215% | 3,723 |
| Noninterest expense to average assets | 2.4043% | 4,325 |
| Loan and lease loss provision to assets | 0.5674% | 206 |
| Net operating income to assets | 1.6376% | 662 |
| Return on assets (ROA) | 1.8255% | 481 |
| Pretax return on assets | 2.5356% | 205 |
| Return on Equity (ROE) | 12.7067% | 1,102 |
| Retained earnings to average equity (ytd only) | 12.5938% | 264 |
| Net charge-offs to loans | 0.3127% | 758 |
| Credit loss provision to net charge-offs | 277.7778% | 1,014 |
| Earnings coverage of net charge-offs (x) | 13.9127% | 2,092 |
| Efficiency ratio | 45.8282% | 5,760 |
| Assets per employee ($millions) | 7.2501% | 785 |
| Cash dividends to net income (ytd only)* | 0.8881% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 1,492 |
| Loan loss allowance to noncurrent loans | 87.6640% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.3022% | 1,552 |
| Noncurrent loans to loans | 1.8411% | 1,109 |
| Net loans and leases to total assets | 66.0765% | 3,069 |
| Net loans and leases to deposits | 78.0884% | 3,151 |
| Net loans and leases to core deposits | 90.4507% | 2,494 |
| Total domestic deposits to total assets | 84.6176% | 3,040 |
| Equity capital to assets | 14.9094% | 749 |
| Core capital (leverage) ratio | 14.1720% | 782 |
| Tier 1 risk-based capital ratio | 23.9617% | 908 |
| Total risk-based capital ratio | 25.2181% | 888 |
| Memoranda: | ||
| Average total assets | $123,362,670 | 3,989 |
| Average earning assets | $120,347,330 | 3,870 |
| Average equity | $17,723,000 | 3,481 |
| Average total loans | $80,576,330 | 3,831 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 387 |
| Cost of funding earning assets | 0.3589% | 3,512 |
| Net interest margin | 4.8888% | 319 |
| Noninterest income to average assets | 0.4537% | 3,458 |
| Noninterest expense to average assets | 2.4145% | 4,323 |
| Loan and lease loss provision to assets | 0.4862% | 262 |
| Net operating income to assets | 1.6836% | 598 |
| Return on assets (ROA) | 1.7404% | 559 |
| Pretax return on assets | 2.3983% | 282 |
| Return on Equity (ROE) | 12.3473% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.3473% | 457 |
| Net charge-offs to loans | 0.4983% | 441 |
| Credit loss provision to net charge-offs | 151.5152% | 1,266 |
| Earnings coverage of net charge-offs (x) | 8.7475% | 2,030 |
| Efficiency ratio | 46.2446% | 5,802 |
| Assets per employee ($millions) | 7.5295% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 2,381 |
| Loan loss allowance to noncurrent loans | 76.8164% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 1,748 |
| Noncurrent loans to loans | 1.8337% | 1,212 |
| Net loans and leases to total assets | 63.5943% | 3,296 |
| Net loans and leases to deposits | 74.2611% | 3,406 |
| Net loans and leases to core deposits | 85.3405% | 2,809 |
| Total domestic deposits to total assets | 85.6362% | 2,840 |
| Equity capital to assets | 13.8146% | 1,050 |
| Core capital (leverage) ratio | 13.6683% | 923 |
| Tier 1 risk-based capital ratio | 22.8028% | 1,036 |
| Total risk-based capital ratio | 24.0562% | 1,011 |
| Memoranda: | ||
| Average total assets | $123,418,500 | 4,018 |
| Average earning assets | $120,357,500 | 3,899 |
| Average equity | $17,396,500 | 3,528 |
| Average total loans | $79,476,500 | 3,868 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 494 |
| Cost of funding earning assets | 0.3564% | 3,634 |
| Net interest margin | 4.7685% | 401 |
| Noninterest income to average assets | 0.4762% | 3,491 |
| Noninterest expense to average assets | 2.5989% | 3,925 |
| Loan and lease loss provision to assets | 0.4290% | 293 |
| Net operating income to assets | 1.5459% | 788 |
| Return on assets (ROA) | 1.5599% | 790 |
| Pretax return on assets | 2.1056% | 425 |
| Return on Equity (ROE) | 11.1520% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.1520% | 336 |
| Net charge-offs to loans | 0.3646% | 801 |
| Credit loss provision to net charge-offs | 194.5525% | 1,428 |
| Earnings coverage of net charge-offs (x) | 11.4086% | 2,579 |
| Efficiency ratio | 50.8136% | 5,717 |
| Assets per employee ($millions) | 6.9903% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 2,194 |
| Loan loss allowance to noncurrent loans | 88.5350% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.1251% | 1,948 |
| Noncurrent loans to loans | 1.6442% | 1,386 |
| Net loans and leases to total assets | 63.3450% | 3,369 |
| Net loans and leases to deposits | 74.3100% | 3,456 |
| Net loans and leases to core deposits | 83.2902% | 3,024 |
| Total domestic deposits to total assets | 85.2442% | 2,973 |
| Equity capital to assets | 14.3981% | 799 |
| Core capital (leverage) ratio | 13.5179% | 963 |
| Tier 1 risk-based capital ratio | 24.8614% | 825 |
| Total risk-based capital ratio | 26.1146% | 814 |
| Memoranda: | ||
| Average total assets | $116,547,800 | 4,121 |
| Average earning assets | $113,368,400 | 4,014 |
| Average equity | $16,302,000 | 3,627 |
| Average total loans | $70,485,800 | 4,080 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 560 |
| Cost of funding earning assets | 0.3559% | 3,682 |
| Net interest margin | 4.6993% | 456 |
| Noninterest income to average assets | 0.4736% | 3,548 |
| Noninterest expense to average assets | 2.4096% | 4,488 |
| Loan and lease loss provision to assets | 0.2299% | 798 |
| Net operating income to assets | 1.7568% | 567 |
| Return on assets (ROA) | 1.7727% | 569 |
| Pretax return on assets | 2.4246% | 268 |
| Return on Equity (ROE) | 12.7699% | 1,178 |
| Retained earnings to average equity (ytd only) | 12.7699% | 298 |
| Net charge-offs to loans | 0.3767% | 687 |
| Credit loss provision to net charge-offs | 102.5641% | 2,211 |
| Earnings coverage of net charge-offs (x) | 11.7438% | 2,463 |
| Efficiency ratio | 47.7884% | 5,879 |
| Assets per employee ($millions) | 7.0191% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,679 |
| Loan loss allowance to noncurrent loans | 122.2378% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 3,254 |
| Noncurrent loans to loans | 0.9789% | 2,535 |
| Net loans and leases to total assets | 60.4774% | 3,814 |
| Net loans and leases to deposits | 71.0024% | 3,876 |
| Net loans and leases to core deposits | 78.7473% | 3,539 |
| Total domestic deposits to total assets | 85.1765% | 2,941 |
| Equity capital to assets | 14.1120% | 984 |
| Core capital (leverage) ratio | 13.4737% | 1,026 |
| Tier 1 risk-based capital ratio | 25.2864% | 829 |
| Total risk-based capital ratio | 26.5376% | 809 |
| Memoranda: | ||
| Average total assets | $115,976,000 | 4,181 |
| Average earning assets | $112,752,250 | 4,066 |
| Average equity | $16,100,000 | 3,692 |
| Average total loans | $69,010,250 | 4,155 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 541 |
| Cost of funding earning assets | 0.3530% | 3,775 |
| Net interest margin | 4.7131% | 435 |
| Noninterest income to average assets | 0.4545% | 3,665 |
| Noninterest expense to average assets | 2.3716% | 4,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9398% | 406 |
| Return on assets (ROA) | 1.9398% | 422 |
| Pretax return on assets | 2.6624% | 200 |
| Return on Equity (ROE) | 14.0535% | 891 |
| Retained earnings to average equity (ytd only) | 14.0535% | 232 |
| Net charge-offs to loans | 0.5231% | 474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.6384% | 2,543 |
| Efficiency ratio | 47.1117% | 6,002 |
| Assets per employee ($millions) | 6.7831% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 4,909 |
| Loan loss allowance to noncurrent loans | 166.3462% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 4,198 |
| Noncurrent loans to loans | 0.5958% | 3,676 |
| Net loans and leases to total assets | 59.9530% | 3,842 |
| Net loans and leases to deposits | 70.1787% | 3,911 |
| Net loans and leases to core deposits | 77.2246% | 3,647 |
| Total domestic deposits to total assets | 85.4291% | 2,956 |
| Equity capital to assets | 14.0471% | 967 |
| Core capital (leverage) ratio | 13.5050% | 985 |
| Tier 1 risk-based capital ratio | 25.4025% | 823 |
| Total risk-based capital ratio | 26.5122% | 825 |
| Memoranda: | ||
| Average total assets | $114,860,000 | 4,235 |
| Average earning assets | $111,603,670 | 4,124 |
| Average equity | $15,853,670 | 3,747 |
| Average total loans | $67,667,670 | 4,222 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1009% | 481 |
| Cost of funding earning assets | 0.3520% | 3,836 |
| Net interest margin | 4.7489% | 382 |
| Noninterest income to average assets | 0.4257% | 3,798 |
| Noninterest expense to average assets | 2.4042% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9506% | 370 |
| Return on assets (ROA) | 1.9506% | 390 |
| Pretax return on assets | 2.6345% | 200 |
| Return on Equity (ROE) | 14.2588% | 829 |
| Retained earnings to average equity (ytd only) | 14.2588% | 338 |
| Net charge-offs to loans | 0.3003% | 788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.1000% | 1,639 |
| Efficiency ratio | 47.7147% | 6,036 |
| Assets per employee ($millions) | 7.7425% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 3,832 |
| Loan loss allowance to noncurrent loans | 248.9362% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 4,593 |
| Noncurrent loans to loans | 0.4907% | 4,105 |
| Net loans and leases to total assets | 57.0296% | 4,084 |
| Net loans and leases to deposits | 66.5304% | 4,102 |
| Net loans and leases to core deposits | 71.8549% | 3,980 |
| Total domestic deposits to total assets | 85.7196% | 3,082 |
| Equity capital to assets | 13.7793% | 1,064 |
| Core capital (leverage) ratio | 13.1383% | 1,110 |
| Tier 1 risk-based capital ratio | 25.2365% | 865 |
| Total risk-based capital ratio | 26.4863% | 845 |
| Memoranda: | ||
| Average total assets | $114,634,000 | 4,277 |
| Average earning assets | $111,352,500 | 4,156 |
| Average equity | $15,681,500 | 3,801 |
| Average total loans | $66,589,000 | 4,284 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 862 |
| Cost of funding earning assets | 0.3639% | 4,100 |
| Net interest margin | 4.5756% | 646 |
| Noninterest income to average assets | 0.5731% | 3,033 |
| Noninterest expense to average assets | 2.6411% | 4,083 |
| Loan and lease loss provision to assets | 0.7541% | 165 |
| Net operating income to assets | 1.2396% | 1,468 |
| Return on assets (ROA) | 1.2696% | 1,423 |
| Pretax return on assets | 1.6740% | 1,043 |
| Return on Equity (ROE) | 9.1742% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.1742% | 667 |
| Net charge-offs to loans | 0.8670% | 380 |
| Credit loss provision to net charge-offs | 150.0938% | 1,605 |
| Earnings coverage of net charge-offs (x) | 4.7542% | 3,574 |
| Efficiency ratio | 52.5112% | 5,950 |
| Assets per employee ($millions) | 7.5341% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 3,344 |
| Loan loss allowance to noncurrent loans | 189.7380% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 4,209 |
| Noncurrent loans to loans | 0.6926% | 3,605 |
| Net loans and leases to total assets | 57.7439% | 4,083 |
| Net loans and leases to deposits | 67.0182% | 4,215 |
| Net loans and leases to core deposits | 72.3021% | 4,093 |
| Total domestic deposits to total assets | 86.1615% | 2,745 |
| Equity capital to assets | 13.6509% | 1,099 |
| Core capital (leverage) ratio | 12.8550% | 1,194 |
| Tier 1 risk-based capital ratio | 24.6760% | 870 |
| Total risk-based capital ratio | 25.9286% | 850 |
| Memoranda: | ||
| Average total assets | $106,093,000 | 4,453 |
| Average earning assets | $103,331,200 | 4,320 |
| Average equity | $14,682,400 | 3,900 |
| Average total loans | $61,478,600 | 4,445 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 900 |
| Cost of funding earning assets | 0.3670% | 4,160 |
| Net interest margin | 4.5492% | 685 |
| Noninterest income to average assets | 0.6068% | 2,825 |
| Noninterest expense to average assets | 2.0581% | 5,663 |
| Loan and lease loss provision to assets | 0.3833% | 449 |
| Net operating income to assets | 1.8805% | 435 |
| Return on assets (ROA) | 1.9163% | 421 |
| Pretax return on assets | 2.6496% | 169 |
| Return on Equity (ROE) | 13.7963% | 1,029 |
| Retained earnings to average equity (ytd only) | 13.7963% | 262 |
| Net charge-offs to loans | 0.3404% | 1,179 |
| Credit loss provision to net charge-offs | 194.8052% | 1,295 |
| Earnings coverage of net charge-offs (x) | 15.1622% | 2,078 |
| Efficiency ratio | 40.8262% | 6,438 |
| Assets per employee ($millions) | 7.9067% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 4,407 |
| Loan loss allowance to noncurrent loans | 86.5741% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 3,282 |
| Noncurrent loans to loans | 1.3467% | 2,392 |
| Net loans and leases to total assets | 57.2849% | 4,170 |
| Net loans and leases to deposits | 66.8371% | 4,250 |
| Net loans and leases to core deposits | 71.6338% | 4,186 |
| Total domestic deposits to total assets | 85.7083% | 3,011 |
| Equity capital to assets | 13.9926% | 1,009 |
| Core capital (leverage) ratio | 13.6548% | 943 |
| Tier 1 risk-based capital ratio | 25.7285% | 814 |
| Total risk-based capital ratio | 26.9782% | 792 |
| Memoranda: | ||
| Average total assets | $104,363,500 | 4,534 |
| Average earning assets | $101,730,250 | 4,395 |
| Average equity | $14,496,250 | 3,956 |
| Average total loans | $60,316,750 | 4,521 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 877 |
| Cost of funding earning assets | 0.3731% | 4,174 |
| Net interest margin | 4.5471% | 640 |
| Noninterest income to average assets | 0.6102% | 2,765 |
| Noninterest expense to average assets | 2.0615% | 5,707 |
| Loan and lease loss provision to assets | 0.3912% | 430 |
| Net operating income to assets | 1.8796% | 428 |
| Return on assets (ROA) | 1.9325% | 406 |
| Pretax return on assets | 2.6640% | 166 |
| Return on Equity (ROE) | 13.9496% | 965 |
| Retained earnings to average equity (ytd only) | 13.9496% | 266 |
| Net charge-offs to loans | 0.3693% | 1,104 |
| Credit loss provision to net charge-offs | 183.4862% | 1,253 |
| Earnings coverage of net charge-offs (x) | 13.9908% | 1,940 |
| Efficiency ratio | 40.8686% | 6,506 |
| Assets per employee ($millions) | 7.4869% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 4,841 |
| Loan loss allowance to noncurrent loans | 71.1499% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 3,054 |
| Noncurrent loans to loans | 1.5665% | 2,211 |
| Net loans and leases to total assets | 58.6571% | 3,905 |
| Net loans and leases to deposits | 68.6666% | 3,971 |
| Net loans and leases to core deposits | 73.2487% | 3,926 |
| Total domestic deposits to total assets | 85.4230% | 3,317 |
| Equity capital to assets | 14.2583% | 877 |
| Core capital (leverage) ratio | 13.5560% | 959 |
| Tier 1 risk-based capital ratio | 25.1459% | 856 |
| Total risk-based capital ratio | 26.3374% | 850 |
| Memoranda: | ||
| Average total assets | $102,253,330 | 4,629 |
| Average earning assets | $99,712,330 | 4,476 |
| Average equity | $14,165,330 | 4,021 |
| Average total loans | $59,036,000 | 4,581 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 972 |
| Cost of funding earning assets | 0.3691% | 4,327 |
| Net interest margin | 4.4696% | 699 |
| Noninterest income to average assets | 0.6774% | 2,308 |
| Noninterest expense to average assets | 2.0164% | 5,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1758% | 250 |
| Return on assets (ROA) | 2.2699% | 218 |
| Pretax return on assets | 3.1573% | 129 |
| Return on Equity (ROE) | 16.6382% | 571 |
| Retained earnings to average equity (ytd only) | 16.6382% | 235 |
| Net charge-offs to loans | 0.5568% | 665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.5500% | 1,927 |
| Efficiency ratio | 39.9843% | 6,591 |
| Assets per employee ($millions) | 7.4454% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 5,897 |
| Loan loss allowance to noncurrent loans | 93.2143% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 4,284 |
| Noncurrent loans to loans | 0.9530% | 3,506 |
| Net loans and leases to total assets | 55.8723% | 4,157 |
| Net loans and leases to deposits | 64.9793% | 4,209 |
| Net loans and leases to core deposits | 68.0688% | 4,300 |
| Total domestic deposits to total assets | 85.9847% | 3,372 |
| Equity capital to assets | 13.6354% | 1,060 |
| Core capital (leverage) ratio | 13.6454% | 937 |
| Tier 1 risk-based capital ratio | 25.4594% | 840 |
| Total risk-based capital ratio | 26.4074% | 855 |
| Memoranda: | ||
| Average total assets | $100,972,000 | 4,710 |
| Average earning assets | $98,621,000 | 4,549 |
| Average equity | $13,775,500 | 4,089 |
| Average total loans | $57,466,500 | 4,671 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8449% | 1,212 |
| Cost of funding earning assets | 0.4012% | 4,644 |
| Net interest margin | 4.4436% | 834 |
| Noninterest income to average assets | 0.6355% | 2,884 |
| Noninterest expense to average assets | 2.5733% | 4,546 |
| Loan and lease loss provision to assets | 0.3021% | 1,112 |
| Net operating income to assets | 1.5752% | 727 |
| Return on assets (ROA) | 1.9529% | 365 |
| Pretax return on assets | 2.5914% | 183 |
| Return on Equity (ROE) | 14.4568% | 858 |
| Retained earnings to average equity (ytd only) | 11.7130% | 344 |
| Net charge-offs to loans | 0.5665% | 1,158 |
| Credit loss provision to net charge-offs | 100.6711% | 2,400 |
| Earnings coverage of net charge-offs (x) | 7.9631% | 2,756 |
| Efficiency ratio | 51.8466% | 6,306 |
| Assets per employee ($millions) | 7.5160% | 597 |
| Cash dividends to net income (ytd only)* | 18.9789% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 5,270 |
| Loan loss allowance to noncurrent loans | 139.3519% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 4,667 |
| Noncurrent loans to loans | 0.7691% | 4,043 |
| Net loans and leases to total assets | 56.8735% | 4,204 |
| Net loans and leases to deposits | 66.0769% | 4,288 |
| Net loans and leases to core deposits | 69.6558% | 4,319 |
| Total domestic deposits to total assets | 86.0718% | 3,225 |
| Equity capital to assets | 13.6509% | 1,011 |
| Core capital (leverage) ratio | 12.9842% | 1,146 |
| Tier 1 risk-based capital ratio | 25.1515% | 837 |
| Total risk-based capital ratio | 26.2775% | 838 |
| Memoranda: | ||
| Average total assets | $99,289,400 | 4,758 |
| Average earning assets | $96,699,800 | 4,599 |
| Average equity | $13,412,400 | 4,180 |
| Average total loans | $52,600,600 | 4,862 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 1,372 |
| Cost of funding earning assets | 0.4058% | 4,777 |
| Net interest margin | 4.3836% | 929 |
| Noninterest income to average assets | 0.6300% | 2,993 |
| Noninterest expense to average assets | 1.8444% | 6,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.3837% | 196 |
| Return on assets (ROA) | 2.8021% | 136 |
| Pretax return on assets | 3.5845% | 90 |
| Return on Equity (ROE) | 20.7971% | 255 |
| Retained earnings to average equity (ytd only) | 20.7971% | 72 |
| Net charge-offs to loans | 0.4770% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.3189% | 2,147 |
| Efficiency ratio | 37.6982% | 6,783 |
| Assets per employee ($millions) | 7.6997% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 6,382 |
| Loan loss allowance to noncurrent loans | 91.4097% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 5,065 |
| Noncurrent loans to loans | 0.8139% | 4,207 |
| Net loans and leases to total assets | 55.3099% | 4,414 |
| Net loans and leases to deposits | 64.7218% | 4,440 |
| Net loans and leases to core deposits | 68.3908% | 4,496 |
| Total domestic deposits to total assets | 85.4580% | 3,518 |
| Equity capital to assets | 14.1065% | 933 |
| Core capital (leverage) ratio | 13.5523% | 1,004 |
| Tier 1 risk-based capital ratio | 25.2869% | 852 |
| Total risk-based capital ratio | 26.0379% | 882 |
| Memoranda: | ||
| Average total assets | $99,684,750 | 4,789 |
| Average earning assets | $96,934,250 | 4,643 |
| Average equity | $13,431,000 | 4,228 |
| Average total loans | $51,707,750 | 4,941 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 1,492 |
| Cost of funding earning assets | 0.4115% | 4,848 |
| Net interest margin | 4.3173% | 999 |
| Noninterest income to average assets | 0.6168% | 3,093 |
| Noninterest expense to average assets | 1.9408% | 6,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2124% | 250 |
| Return on assets (ROA) | 2.7384% | 144 |
| Pretax return on assets | 3.5541% | 104 |
| Return on Equity (ROE) | 20.6494% | 267 |
| Retained earnings to average equity (ytd only) | 20.6494% | 80 |
| Net charge-offs to loans | 0.5124% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 11.0775% | 2,089 |
| Efficiency ratio | 40.3340% | 6,791 |
| Assets per employee ($millions) | 7.7625% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 6,161 |
| Loan loss allowance to noncurrent loans | 152.9221% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 5,559 |
| Noncurrent loans to loans | 0.5820% | 4,805 |
| Net loans and leases to total assets | 51.9755% | 4,869 |
| Net loans and leases to deposits | 60.0279% | 4,976 |
| Net loans and leases to core deposits | 62.9682% | 5,011 |
| Total domestic deposits to total assets | 86.5855% | 3,071 |
| Equity capital to assets | 13.1351% | 1,291 |
| Core capital (leverage) ratio | 13.0112% | 1,157 |
| Tier 1 risk-based capital ratio | 24.2659% | 968 |
| Total risk-based capital ratio | 25.1292% | 996 |
| Memoranda: | ||
| Average total assets | $99,547,670 | 4,831 |
| Average earning assets | $96,726,330 | 4,682 |
| Average equity | $13,201,330 | 4,297 |
| Average total loans | $50,351,000 | 5,009 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 1,498 |
| Cost of funding earning assets | 0.4164% | 4,945 |
| Net interest margin | 4.2971% | 977 |
| Noninterest income to average assets | 0.6312% | 2,974 |
| Noninterest expense to average assets | 1.9623% | 6,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0947% | 295 |
| Return on assets (ROA) | 2.2414% | 252 |
| Pretax return on assets | 3.0425% | 151 |
| Return on Equity (ROE) | 16.8204% | 526 |
| Retained earnings to average equity (ytd only) | 16.8204% | 238 |
| Net charge-offs to loans | 0.2038% | 2,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 28.1200% | 992 |
| Efficiency ratio | 40.8249% | 6,855 |
| Assets per employee ($millions) | 7.8159% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 5,435 |
| Loan loss allowance to noncurrent loans | 217.8030% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 5,785 |
| Noncurrent loans to loans | 0.5247% | 5,125 |
| Net loans and leases to total assets | 48.9573% | 5,116 |
| Net loans and leases to deposits | 57.2705% | 5,108 |
| Net loans and leases to core deposits | 60.2746% | 5,114 |
| Total domestic deposits to total assets | 85.4843% | 3,808 |
| Equity capital to assets | 13.6162% | 1,173 |
| Core capital (leverage) ratio | 12.4834% | 1,344 |
| Tier 1 risk-based capital ratio | 23.9499% | 1,023 |
| Total risk-based capital ratio | 25.0578% | 1,020 |
| Memoranda: | ||
| Average total assets | $98,865,000 | 4,889 |
| Average earning assets | $96,064,500 | 4,737 |
| Average equity | $13,174,500 | 4,352 |
| Average total loans | $49,066,000 | 5,088 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 1,674 |
| Cost of funding earning assets | 0.5115% | 5,136 |
| Net interest margin | 4.4434% | 1,064 |
| Noninterest income to average assets | 0.5865% | 3,353 |
| Noninterest expense to average assets | 2.6079% | 4,711 |
| Loan and lease loss provision to assets | 0.1086% | 4,274 |
| Net operating income to assets | 1.7008% | 615 |
| Return on assets (ROA) | 1.7118% | 676 |
| Pretax return on assets | 2.1864% | 421 |
| Return on Equity (ROE) | 12.8569% | 1,267 |
| Retained earnings to average equity (ytd only) | 9.8548% | 620 |
| Net charge-offs to loans | 0.4144% | 2,589 |
| Credit loss provision to net charge-offs | 55.2486% | 4,574 |
| Earnings coverage of net charge-offs (x) | 11.6022% | 2,012 |
| Efficiency ratio | 53.3437% | 6,342 |
| Assets per employee ($millions) | 7.3941% | 658 |
| Cash dividends to net income (ytd only)* | 23.3503% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 4,850 |
| Loan loss allowance to noncurrent loans | 162.6016% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 5,533 |
| Noncurrent loans to loans | 0.7718% | 4,639 |
| Net loans and leases to total assets | 49.1173% | 5,292 |
| Net loans and leases to deposits | 56.6585% | 5,371 |
| Net loans and leases to core deposits | 58.4507% | 5,503 |
| Total domestic deposits to total assets | 86.6900% | 3,000 |
| Equity capital to assets | 13.0187% | 1,446 |
| Core capital (leverage) ratio | 12.0089% | 1,557 |
| Tier 1 risk-based capital ratio | 24.1751% | 949 |
| Total risk-based capital ratio | 25.3964% | 935 |
| Memoranda: | ||
| Average total assets | $92,068,000 | 5,023 |
| Average earning assets | $89,142,800 | 4,892 |
| Average equity | $12,258,000 | 4,516 |
| Average total loans | $43,681,600 | 5,347 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 1,525 |
| Cost of funding earning assets | 0.5218% | 5,295 |
| Net interest margin | 4.5403% | 919 |
| Noninterest income to average assets | 0.5696% | 3,474 |
| Noninterest expense to average assets | 2.0617% | 6,242 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.2186% | 275 |
| Return on assets (ROA) | 2.2330% | 297 |
| Pretax return on assets | 2.9227% | 169 |
| Return on Equity (ROE) | 16.6744% | 647 |
| Retained earnings to average equity (ytd only) | 16.6744% | 163 |
| Net charge-offs to loans | 0.3845% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 16.1215% | 1,711 |
| Efficiency ratio | 41.5217% | 6,981 |
| Assets per employee ($millions) | 7.2733% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 5,183 |
| Loan loss allowance to noncurrent loans | 158.5227% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 5,483 |
| Noncurrent loans to loans | 0.7708% | 4,867 |
| Net loans and leases to total assets | 47.7066% | 5,587 |
| Net loans and leases to deposits | 55.6580% | 5,662 |
| Net loans and leases to core deposits | 57.8523% | 5,741 |
| Total domestic deposits to total assets | 85.7138% | 3,403 |
| Equity capital to assets | 13.7341% | 1,259 |
| Core capital (leverage) ratio | 13.0347% | 1,182 |
| Tier 1 risk-based capital ratio | 25.4349% | 870 |
| Total risk-based capital ratio | 26.5988% | 868 |
| Memoranda: | ||
| Average total assets | $91,054,250 | 5,104 |
| Average earning assets | $88,156,250 | 4,967 |
| Average equity | $12,194,000 | 4,566 |
| Average total loans | $42,648,750 | 5,458 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9543% | 1,918 |
| Cost of funding earning assets | 0.5331% | 5,415 |
| Net interest margin | 4.4212% | 1,149 |
| Noninterest income to average assets | 0.5852% | 3,354 |
| Noninterest expense to average assets | 2.0626% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1251% | 324 |
| Return on assets (ROA) | 2.1471% | 347 |
| Pretax return on assets | 2.8324% | 189 |
| Return on Equity (ROE) | 16.1777% | 745 |
| Retained earnings to average equity (ytd only) | 16.1777% | 215 |
| Net charge-offs to loans | 0.1249% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 48.4615% | 748 |
| Efficiency ratio | 42.3868% | 7,008 |
| Assets per employee ($millions) | 7.1421% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 4,000 |
| Loan loss allowance to noncurrent loans | 175.1337% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 5,775 |
| Noncurrent loans to loans | 0.8571% | 4,794 |
| Net loans and leases to total assets | 46.2923% | 5,800 |
| Net loans and leases to deposits | 53.7189% | 5,899 |
| Net loans and leases to core deposits | 55.8608% | 5,957 |
| Total domestic deposits to total assets | 86.1751% | 3,269 |
| Equity capital to assets | 13.3316% | 1,378 |
| Core capital (leverage) ratio | 12.5829% | 1,317 |
| Tier 1 risk-based capital ratio | 25.2058% | 880 |
| Total risk-based capital ratio | 26.4582% | 866 |
| Memoranda: | ||
| Average total assets | $89,888,000 | 5,170 |
| Average earning assets | $87,035,670 | 5,025 |
| Average equity | $11,930,000 | 4,623 |
| Average total loans | $41,643,000 | 5,528 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 2,106 |
| Cost of funding earning assets | 0.5418% | 5,547 |
| Net interest margin | 4.3950% | 1,235 |
| Noninterest income to average assets | 0.6018% | 3,224 |
| Noninterest expense to average assets | 1.9681% | 6,520 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1548% | 313 |
| Return on assets (ROA) | 2.1989% | 350 |
| Pretax return on assets | 2.9499% | 194 |
| Return on Equity (ROE) | 16.6069% | 730 |
| Retained earnings to average equity (ytd only) | 16.6069% | 329 |
| Net charge-offs to loans | 0.0197% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 319.5000% | 101 |
| Efficiency ratio | 40.5028% | 7,095 |
| Assets per employee ($millions) | 7.0746% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 3,622 |
| Loan loss allowance to noncurrent loans | 183.5135% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 5,856 |
| Noncurrent loans to loans | 0.8860% | 4,896 |
| Net loans and leases to total assets | 44.6678% | 5,935 |
| Net loans and leases to deposits | 51.6970% | 6,002 |
| Net loans and leases to core deposits | 54.1573% | 6,044 |
| Total domestic deposits to total assets | 86.4032% | 3,302 |
| Equity capital to assets | 12.9651% | 1,455 |
| Core capital (leverage) ratio | 12.6803% | 1,258 |
| Tier 1 risk-based capital ratio | 25.0398% | 902 |
| Total risk-based capital ratio | 26.2409% | 895 |
| Memoranda: | ||
| Average total assets | $88,408,500 | 5,258 |
| Average earning assets | $85,643,000 | 5,094 |
| Average equity | $11,706,000 | 4,674 |
| Average total loans | $40,646,500 | 5,614 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 2,632 |
| Cost of funding earning assets | 0.6403% | 5,870 |
| Net interest margin | 4.4149% | 1,361 |
| Noninterest income to average assets | 0.5717% | 3,352 |
| Noninterest expense to average assets | 2.4789% | 5,538 |
| Loan and lease loss provision to assets | 0.3430% | 2,949 |
| Net operating income to assets | 1.5732% | 710 |
| Return on assets (ROA) | 1.6682% | 623 |
| Pretax return on assets | 2.1542% | 400 |
| Return on Equity (ROE) | 12.9712% | 1,173 |
| Retained earnings to average equity (ytd only) | 9.6995% | 627 |
| Net charge-offs to loans | 0.1589% | 4,875 |
| Credit loss provision to net charge-offs | 508.4746% | 448 |
| Earnings coverage of net charge-offs (x) | 35.1864% | 743 |
| Efficiency ratio | 51.0839% | 6,772 |
| Assets per employee ($millions) | 6.5267% | 940 |
| Cash dividends to net income (ytd only)* | 25.2228% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 3,115 |
| Loan loss allowance to noncurrent loans | 131.4672% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 5,433 |
| Noncurrent loans to loans | 1.3103% | 4,181 |
| Net loans and leases to total assets | 45.7907% | 6,030 |
| Net loans and leases to deposits | 53.5690% | 6,110 |
| Net loans and leases to core deposits | 55.5656% | 6,183 |
| Total domestic deposits to total assets | 85.4797% | 3,609 |
| Equity capital to assets | 13.5397% | 1,245 |
| Core capital (leverage) ratio | 12.3163% | 1,427 |
| Tier 1 risk-based capital ratio | 25.5508% | 816 |
| Total risk-based capital ratio | 26.8057% | 797 |
| Memoranda: | ||
| Average total assets | $87,457,400 | 5,248 |
| Average earning assets | $84,802,800 | 5,093 |
| Average equity | $11,248,000 | 4,729 |
| Average total loans | $37,135,000 | 5,826 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 2,975 |
| Cost of funding earning assets | 0.6563% | 6,005 |
| Net interest margin | 4.3678% | 1,503 |
| Noninterest income to average assets | 0.5644% | 3,410 |
| Noninterest expense to average assets | 2.0065% | 6,676 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.0706% | 308 |
| Return on assets (ROA) | 2.1927% | 276 |
| Pretax return on assets | 2.9629% | 143 |
| Return on Equity (ROE) | 17.2681% | 538 |
| Retained earnings to average equity (ytd only) | 17.2681% | 135 |
| Net charge-offs to loans | 0.1898% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 35.5585% | 839 |
| Efficiency ratio | 41.7638% | 7,217 |
| Assets per employee ($millions) | 6.9696% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 6,253 |
| Loan loss allowance to noncurrent loans | 260.4027% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 6,642 |
| Noncurrent loans to loans | 0.3852% | 6,085 |
| Net loans and leases to total assets | 42.2670% | 6,485 |
| Net loans and leases to deposits | 49.1737% | 6,547 |
| Net loans and leases to core deposits | 50.6956% | 6,637 |
| Total domestic deposits to total assets | 85.9544% | 3,238 |
| Equity capital to assets | 13.2233% | 1,504 |
| Core capital (leverage) ratio | 12.5000% | 1,435 |
| Tier 1 risk-based capital ratio | 26.6063% | 773 |
| Total risk-based capital ratio | 27.5425% | 785 |
| Memoranda: | ||
| Average total assets | $88,110,000 | 5,266 |
| Average earning assets | $85,533,000 | 5,107 |
| Average equity | $11,188,000 | 4,762 |
| Average total loans | $36,535,500 | 5,894 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 3,103 |
| Cost of funding earning assets | 0.6793% | 6,073 |
| Net interest margin | 4.3329% | 1,557 |
| Noninterest income to average assets | 0.5614% | 3,392 |
| Noninterest expense to average assets | 2.0372% | 6,717 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0372% | 327 |
| Return on assets (ROA) | 2.0372% | 340 |
| Pretax return on assets | 2.7338% | 186 |
| Return on Equity (ROE) | 16.2766% | 640 |
| Retained earnings to average equity (ytd only) | 16.2766% | 191 |
| Net charge-offs to loans | 0.0558% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 119.3000% | 294 |
| Efficiency ratio | 42.6993% | 7,281 |
| Assets per employee ($millions) | 6.8462% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 5,690 |
| Loan loss allowance to noncurrent loans | 623.1884% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 6,905 |
| Noncurrent loans to loans | 0.1869% | 6,530 |
| Net loans and leases to total assets | 40.9921% | 6,670 |
| Net loans and leases to deposits | 47.4730% | 6,757 |
| Net loans and leases to core deposits | 48.9600% | 6,808 |
| Total domestic deposits to total assets | 86.3483% | 3,128 |
| Equity capital to assets | 12.8921% | 1,575 |
| Core capital (leverage) ratio | 11.7969% | 1,724 |
| Tier 1 risk-based capital ratio | 25.6211% | 840 |
| Total risk-based capital ratio | 26.6737% | 843 |
| Memoranda: | ||
| Average total assets | $87,278,330 | 5,335 |
| Average earning assets | $84,794,000 | 5,169 |
| Average equity | $10,923,670 | 4,819 |
| Average total loans | $35,819,330 | 5,977 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 3,486 |
| Cost of funding earning assets | 0.6994% | 6,145 |
| Net interest margin | 4.2203% | 1,833 |
| Noninterest income to average assets | 0.5740% | 3,346 |
| Noninterest expense to average assets | 1.9765% | 6,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9765% | 361 |
| Return on assets (ROA) | 1.9765% | 375 |
| Pretax return on assets | 2.7032% | 199 |
| Return on Equity (ROE) | 16.0398% | 671 |
| Retained earnings to average equity (ytd only) | 16.0398% | 320 |
| Net charge-offs to loans | -0.1361% | 7,172 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2354% | 7,341 |
| Assets per employee ($millions) | 7.4217% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 5,402 |
| Loan loss allowance to noncurrent loans | 280.7453% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 6,708 |
| Noncurrent loans to loans | 0.4449% | 6,120 |
| Net loans and leases to total assets | 40.1235% | 6,769 |
| Net loans and leases to deposits | 46.0810% | 6,841 |
| Net loans and leases to core deposits | 47.6746% | 6,890 |
| Total domestic deposits to total assets | 87.0716% | 2,909 |
| Equity capital to assets | 12.1749% | 1,810 |
| Core capital (leverage) ratio | 11.4801% | 1,858 |
| Tier 1 risk-based capital ratio | 25.7000% | 812 |
| Total risk-based capital ratio | 26.8610% | 797 |
| Memoranda: | ||
| Average total assets | $86,417,500 | 5,394 |
| Average earning assets | $84,069,500 | 5,229 |
| Average equity | $10,648,500 | 4,882 |
| Average total loans | $35,272,500 | 6,065 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 3,893 |
| Cost of funding earning assets | 0.9236% | 6,055 |
| Net interest margin | 4.2198% | 2,101 |
| Noninterest income to average assets | 0.5373% | 3,905 |
| Noninterest expense to average assets | 2.4241% | 6,032 |
| Loan and lease loss provision to assets | 0.2410% | 4,873 |
| Net operating income to assets | 1.4663% | 828 |
| Return on assets (ROA) | 1.4663% | 886 |
| Pretax return on assets | 1.9735% | 512 |
| Return on Equity (ROE) | 11.7471% | 1,377 |
| Retained earnings to average equity (ytd only) | 8.1950% | 916 |
| Net charge-offs to loans | 0.4146% | 3,965 |
| Credit loss provision to net charge-offs | 148.1481% | 2,460 |
| Earnings coverage of net charge-offs (x) | 13.6148% | 1,395 |
| Efficiency ratio | 52.2597% | 6,972 |
| Assets per employee ($millions) | 5.9839% | 1,221 |
| Cash dividends to net income (ytd only)* | 30.2383% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 5,103 |
| Loan loss allowance to noncurrent loans | 184.8739% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 6,541 |
| Noncurrent loans to loans | 0.6927% | 5,661 |
| Net loans and leases to total assets | 40.4882% | 6,937 |
| Net loans and leases to deposits | 46.6876% | 7,013 |
| Net loans and leases to core deposits | 48.4101% | 7,053 |
| Total domestic deposits to total assets | 86.7216% | 2,963 |
| Equity capital to assets | 12.4787% | 1,644 |
| Core capital (leverage) ratio | 11.4086% | 1,886 |
| Tier 1 risk-based capital ratio | 25.9026% | 765 |
| Total risk-based capital ratio | 27.0925% | 749 |
| Memoranda: | ||
| Average total assets | $83,000,800 | 5,496 |
| Average earning assets | $80,666,600 | 5,322 |
| Average equity | $10,360,000 | 5,021 |
| Average total loans | $32,559,200 | 6,284 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 4,016 |
| Cost of funding earning assets | 0.9761% | 6,050 |
| Net interest margin | 4.1879% | 2,260 |
| Noninterest income to average assets | 0.5394% | 3,868 |
| Noninterest expense to average assets | 1.9177% | 7,177 |
| Loan and lease loss provision to assets | 0.3220% | 4,012 |
| Net operating income to assets | 1.7277% | 590 |
| Return on assets (ROA) | 1.7277% | 641 |
| Pretax return on assets | 2.3685% | 286 |
| Return on Equity (ROE) | 13.8406% | 1,069 |
| Retained earnings to average equity (ytd only) | 13.8406% | 285 |
| Net charge-offs to loans | 0.3986% | 3,691 |
| Credit loss provision to net charge-offs | 208.3333% | 1,694 |
| Earnings coverage of net charge-offs (x) | 17.4058% | 1,328 |
| Efficiency ratio | 41.6143% | 7,541 |
| Assets per employee ($millions) | 6.5229% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 4,375 |
| Loan loss allowance to noncurrent loans | 1,408.8235% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 7,253 |
| Noncurrent loans to loans | 0.1004% | 6,986 |
| Net loans and leases to total assets | 39.3736% | 7,112 |
| Net loans and leases to deposits | 45.7013% | 7,184 |
| Net loans and leases to core deposits | 47.3730% | 7,223 |
| Total domestic deposits to total assets | 86.1542% | 3,002 |
| Equity capital to assets | 12.8423% | 1,659 |
| Core capital (leverage) ratio | 11.7534% | 1,789 |
| Tier 1 risk-based capital ratio | 26.8269% | 709 |
| Total risk-based capital ratio | 28.0776% | 688 |
| Memoranda: | ||
| Average total assets | $82,807,250 | 5,570 |
| Average earning assets | $80,451,250 | 5,389 |
| Average equity | $10,336,500 | 5,101 |
| Average total loans | $32,109,250 | 6,389 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1810% | 4,043 |
| Cost of funding earning assets | 1.0277% | 6,011 |
| Net interest margin | 4.1533% | 2,324 |
| Noninterest income to average assets | 0.5381% | 3,810 |
| Noninterest expense to average assets | 1.9308% | 7,211 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8723% | 424 |
| Return on assets (ROA) | 1.8723% | 465 |
| Pretax return on assets | 2.6417% | 190 |
| Return on Equity (ROE) | 15.1497% | 832 |
| Retained earnings to average equity (ytd only) | 15.1497% | 234 |
| Net charge-offs to loans | 0.3299% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 20.8654% | 1,196 |
| Efficiency ratio | 42.2258% | 7,580 |
| Assets per employee ($millions) | 6.4097% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,381 |
| Loan loss allowance to noncurrent loans | 556.8966% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 7,220 |
| Noncurrent loans to loans | 0.1803% | 6,892 |
| Net loans and leases to total assets | 38.2246% | 7,259 |
| Net loans and leases to deposits | 44.4207% | 7,308 |
| Net loans and leases to core deposits | 45.8981% | 7,357 |
| Total domestic deposits to total assets | 86.0512% | 3,049 |
| Equity capital to assets | 12.8543% | 1,629 |
| Core capital (leverage) ratio | 11.4287% | 1,953 |
| Tier 1 risk-based capital ratio | 26.7382% | 719 |
| Total risk-based capital ratio | 27.6474% | 735 |
| Memoranda: | ||
| Average total assets | $82,143,670 | 5,622 |
| Average earning assets | $79,792,000 | 5,451 |
| Average equity | $10,152,000 | 5,158 |
| Average total loans | $31,523,330 | 6,460 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 3,893 |
| Cost of funding earning assets | 1.0956% | 5,931 |
| Net interest margin | 4.1300% | 2,321 |
| Noninterest income to average assets | 0.5297% | 3,818 |
| Noninterest expense to average assets | 1.8344% | 7,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9276% | 394 |
| Return on assets (ROA) | 1.9276% | 432 |
| Pretax return on assets | 2.7075% | 185 |
| Return on Equity (ROE) | 15.9230% | 732 |
| Retained earnings to average equity (ytd only) | 15.9230% | 349 |
| Net charge-offs to loans | 0.1923% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 36.8000% | 740 |
| Efficiency ratio | 40.3888% | 7,720 |
| Assets per employee ($millions) | 6.3872% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,789 |
| Loan loss allowance to noncurrent loans | 346.1538% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 7,164 |
| Noncurrent loans to loans | 0.3316% | 6,633 |
| Net loans and leases to total assets | 37.3377% | 7,373 |
| Net loans and leases to deposits | 42.9821% | 7,430 |
| Net loans and leases to core deposits | 44.5670% | 7,471 |
| Total domestic deposits to total assets | 86.8680% | 2,696 |
| Equity capital to assets | 12.1661% | 1,950 |
| Core capital (leverage) ratio | 11.2780% | 2,043 |
| Tier 1 risk-based capital ratio | 26.2313% | 757 |
| Total risk-based capital ratio | 27.2665% | 758 |
| Memoranda: | ||
| Average total assets | $81,552,500 | 5,722 |
| Average earning assets | $79,225,000 | 5,533 |
| Average equity | $9,872,500 | 5,273 |
| Average total loans | $31,198,000 | 6,560 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5894% | 3,661 |
| Cost of funding earning assets | 1.5731% | 5,166 |
| Net interest margin | 4.0164% | 2,801 |
| Noninterest income to average assets | 0.5138% | 4,301 |
| Noninterest expense to average assets | 2.5506% | 5,949 |
| Loan and lease loss provision to assets | 0.1971% | 5,761 |
| Net operating income to assets | 1.1705% | 1,328 |
| Return on assets (ROA) | 1.1774% | 1,351 |
| Pretax return on assets | 1.5598% | 1,053 |
| Return on Equity (ROE) | 9.4625% | 1,868 |
| Retained earnings to average equity (ytd only) | 5.5761% | 1,540 |
| Net charge-offs to loans | 0.2997% | 4,754 |
| Credit loss provision to net charge-offs | 182.9268% | 2,249 |
| Earnings coverage of net charge-offs (x) | 16.2195% | 1,261 |
| Efficiency ratio | 59.3397% | 6,580 |
| Assets per employee ($millions) | 6.1593% | 1,153 |
| Cash dividends to net income (ytd only)* | 41.0714% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 5,307 |
| Loan loss allowance to noncurrent loans | 403.2258% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 7,197 |
| Noncurrent loans to loans | 0.2997% | 6,679 |
| Net loans and leases to total assets | 38.2885% | 7,438 |
| Net loans and leases to deposits | 43.9296% | 7,522 |
| Net loans and leases to core deposits | 57.5402% | 7,355 |
| Total domestic deposits to total assets | 87.1589% | 2,411 |
| Equity capital to assets | 12.0431% | 2,010 |
| Core capital (leverage) ratio | 11.0411% | 2,203 |
| Tier 1 risk-based capital ratio | 25.5623% | 795 |
| Total risk-based capital ratio | 26.6604% | 791 |
| Memoranda: | ||
| Average total assets | $76,099,200 | 5,837 |
| Average earning assets | $71,706,800 | 5,758 |
| Average equity | $9,469,000 | 5,457 |
| Average total loans | $27,364,200 | 6,778 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6300% | 3,691 |
| Cost of funding earning assets | 1.6797% | 5,003 |
| Net interest margin | 3.9503% | 3,033 |
| Noninterest income to average assets | 0.5113% | 4,395 |
| Noninterest expense to average assets | 2.0450% | 7,299 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5744% | 699 |
| Return on assets (ROA) | 1.5835% | 737 |
| Pretax return on assets | 2.1693% | 380 |
| Return on Equity (ROE) | 12.6179% | 1,199 |
| Retained earnings to average equity (ytd only) | 12.6179% | 292 |
| Net charge-offs to loans | 0.1916% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 31.9708% | 889 |
| Efficiency ratio | 48.6692% | 7,635 |
| Assets per employee ($millions) | 5.9683% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 6,712 |
| Loan loss allowance to noncurrent loans | 194.9275% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 7,090 |
| Noncurrent loans to loans | 0.4677% | 6,386 |
| Net loans and leases to total assets | 37.6850% | 7,561 |
| Net loans and leases to deposits | 43.8616% | 7,623 |
| Net loans and leases to core deposits | 55.4830% | 7,558 |
| Total domestic deposits to total assets | 85.9179% | 2,736 |
| Equity capital to assets | 12.9969% | 1,697 |
| Core capital (leverage) ratio | 11.9451% | 1,827 |
| Tier 1 risk-based capital ratio | 28.0285% | 681 |
| Total risk-based capital ratio | 28.8577% | 687 |
| Memoranda: | ||
| Average total assets | $75,106,250 | 5,906 |
| Average earning assets | $70,169,500 | 5,839 |
| Average equity | $9,425,500 | 5,513 |
| Average total loans | $26,447,000 | 6,886 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6847% | 3,640 |
| Cost of funding earning assets | 1.7828% | 4,844 |
| Net interest margin | 3.9019% | 3,106 |
| Noninterest income to average assets | 0.4981% | 4,457 |
| Noninterest expense to average assets | 2.0921% | 7,291 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4998% | 836 |
| Return on assets (ROA) | 1.4998% | 894 |
| Pretax return on assets | 2.0302% | 518 |
| Return on Equity (ROE) | 12.1008% | 1,384 |
| Retained earnings to average equity (ytd only) | 12.1008% | 426 |
| Net charge-offs to loans | 0.2753% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 21.5429% | 1,260 |
| Efficiency ratio | 50.7511% | 7,614 |
| Assets per employee ($millions) | 5.8305% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 5,921 |
| Loan loss allowance to noncurrent loans | 298.9011% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 7,264 |
| Noncurrent loans to loans | 0.3507% | 6,634 |
| Net loans and leases to total assets | 33.8721% | 7,781 |
| Net loans and leases to deposits | 39.0735% | 7,840 |
| Net loans and leases to core deposits | 48.7839% | 7,784 |
| Total domestic deposits to total assets | 86.6881% | 2,411 |
| Equity capital to assets | 12.4820% | 1,932 |
| Core capital (leverage) ratio | 11.5991% | 2,036 |
| Tier 1 risk-based capital ratio | 28.9511% | 670 |
| Total risk-based capital ratio | 29.8503% | 668 |
| Memoranda: | ||
| Average total assets | $74,279,000 | 5,974 |
| Average earning assets | $68,992,670 | 5,921 |
| Average equity | $9,206,000 | 5,610 |
| Average total loans | $25,426,670 | 6,998 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6843% | 3,882 |
| Cost of funding earning assets | 1.8269% | 4,991 |
| Net interest margin | 3.8574% | 3,221 |
| Noninterest income to average assets | 0.5060% | 4,273 |
| Noninterest expense to average assets | 1.8662% | 7,615 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6376% | 741 |
| Return on assets (ROA) | 1.6376% | 811 |
| Pretax return on assets | 2.2470% | 399 |
| Return on Equity (ROE) | 13.2621% | 1,321 |
| Retained earnings to average equity (ytd only) | 13.2621% | 600 |
| Net charge-offs to loans | 0.3338% | 2,759 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,412 |
| Efficiency ratio | 45.3704% | 7,874 |
| Assets per employee ($millions) | 5.7711% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 5,326 |
| Loan loss allowance to noncurrent loans | 277.6699% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 7,169 |
| Noncurrent loans to loans | 0.4032% | 6,407 |
| Net loans and leases to total assets | 33.6692% | 7,817 |
| Net loans and leases to deposits | 38.8693% | 7,876 |
| Net loans and leases to core deposits | 48.5919% | 7,819 |
| Total domestic deposits to total assets | 86.6216% | 2,396 |
| Equity capital to assets | 12.4160% | 2,021 |
| Core capital (leverage) ratio | 11.5871% | 2,096 |
| Tier 1 risk-based capital ratio | 28.2844% | 734 |
| Total risk-based capital ratio | 29.2358% | 735 |
| Memoranda: | ||
| Average total assets | $73,520,000 | 6,015 |
| Average earning assets | $68,751,000 | 5,957 |
| Average equity | $9,078,500 | 5,681 |
| Average total loans | $25,167,000 | 7,056 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0828% | 5,130 |
| Cost of funding earning assets | 2.3387% | 4,975 |
| Net interest margin | 3.7440% | 4,252 |
| Noninterest income to average assets | 0.6132% | 3,755 |
| Noninterest expense to average assets | 2.5009% | 6,003 |
| Loan and lease loss provision to assets | 0.2115% | 4,781 |
| Net operating income to assets | 1.0686% | 2,263 |
| Return on assets (ROA) | 1.0686% | 2,176 |
| Pretax return on assets | 1.4239% | 1,896 |
| Return on Equity (ROE) | 8.3863% | 2,896 |
| Retained earnings to average equity (ytd only) | -4.0050% | 6,326 |
| Net charge-offs to loans | 0.2680% | 3,614 |
| Credit loss provision to net charge-offs | 227.2727% | 2,087 |
| Earnings coverage of net charge-offs (x) | 17.5758% | 1,759 |
| Efficiency ratio | 60.4635% | 6,269 |
| Assets per employee ($millions) | 5.5397% | 1,427 |
| Cash dividends to net income (ytd only)* | 147.7573% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,245 |
| Loan loss allowance to noncurrent loans | 249.5935% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 6,884 |
| Noncurrent loans to loans | 0.4962% | 5,863 |
| Net loans and leases to total assets | 33.9938% | 7,893 |
| Net loans and leases to deposits | 39.1414% | 7,956 |
| Net loans and leases to core deposits | 48.0170% | 7,926 |
| Total domestic deposits to total assets | 86.8488% | 2,005 |
| Equity capital to assets | 12.2778% | 2,124 |
| Core capital (leverage) ratio | 11.4636% | 2,277 |
| Tier 1 risk-based capital ratio | 28.2068% | 754 |
| Total risk-based capital ratio | 29.2628% | 744 |
| Memoranda: | ||
| Average total assets | $70,934,200 | 6,001 |
| Average earning assets | $66,746,000 | 5,943 |
| Average equity | $9,038,600 | 5,732 |
| Average total loans | $24,622,800 | 7,049 |