Home > Old Mission Bank > Performance and Condition Ratios
Old Mission Bank, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 4,187 |
| Cost of funding earning assets | 0.9016% | 2,923 |
| Net interest margin | 2.7555% | 3,893 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.9205% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2948% | 4,163 |
| Return on assets (ROA) | 0.2387% | 4,263 |
| Pretax return on assets | 0.1922% | 4,331 |
| Return on Equity (ROE) | 2.9700% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.9659% | 3,488 |
| Net charge-offs to loans | 0.0076% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 1,067 |
| Efficiency ratio | 92.1638% | 296 |
| Assets per employee ($millions) | 4.9558% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 1,301 |
| Loan loss allowance to noncurrent loans | 1,455.5556% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,340 |
| Noncurrent loans to loans | 0.1005% | 2,984 |
| Net loans and leases to total assets | 42.7300% | 3,934 |
| Net loans and leases to deposits | 49.3347% | 3,945 |
| Net loans and leases to core deposits | 51.7465% | 3,965 |
| Total domestic deposits to total assets | 86.6200% | 2,047 |
| Equity capital to assets | 8.0520% | 3,175 |
| Core capital (leverage) ratio | 11.9366% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9878% | 485 |
| Memoranda: | ||
| Average total assets | $124,842,667 | 3,628 |
| Average earning assets | $114,460,333 | 3,631 |
| Average equity | $10,047,667 | 3,739 |
| Average total loans | $52,369,667 | 3,826 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 4,164 |
| Cost of funding earning assets | 0.8063% | 2,712 |
| Net interest margin | 2.7840% | 3,966 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.9557% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3256% | 4,214 |
| Return on assets (ROA) | 0.2139% | 4,303 |
| Pretax return on assets | 0.1021% | 4,403 |
| Return on Equity (ROE) | 2.6600% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.6578% | 3,573 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.2528% | 277 |
| Assets per employee ($millions) | 4.4368% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,310 |
| Loan loss allowance to noncurrent loans | 1,229.6875% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,266 |
| Noncurrent loans to loans | 0.1211% | 2,908 |
| Net loans and leases to total assets | 41.9200% | 3,955 |
| Net loans and leases to deposits | 46.8699% | 4,003 |
| Net loans and leases to core deposits | 48.1974% | 4,042 |
| Total domestic deposits to total assets | 89.4300% | 1,364 |
| Equity capital to assets | 8.5439% | 2,853 |
| Core capital (leverage) ratio | 11.7642% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6377% | 405 |
| Memoranda: | ||
| Average total assets | $125,316,500 | 3,666 |
| Average earning assets | $115,088,000 | 3,666 |
| Average equity | $10,083,500 | 3,777 |
| Average total loans | $51,688,500 | 3,883 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 3,549 |
| Cost of funding earning assets | 0.4608% | 1,646 |
| Net interest margin | 2.8552% | 3,782 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.9327% | 1,074 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 0.3696% | 4,285 |
| Return on assets (ROA) | 0.3638% | 4,260 |
| Pretax return on assets | 0.3796% | 4,299 |
| Return on Equity (ROE) | 4.2400% | 4,125 |
| Retained earnings to average equity (ytd only) | 0.7216% | 4,241 |
| Net charge-offs to loans | 0.0313% | 1,443 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,678 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,958 |
| Efficiency ratio | 93.7063% | 229 |
| Assets per employee ($millions) | 4.6816% | 3,913 |
| Cash dividends to net income (ytd only)* | 82.9876% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 1,052 |
| Loan loss allowance to noncurrent loans | 1,174.6269% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,268 |
| Noncurrent loans to loans | 0.1326% | 2,851 |
| Net loans and leases to total assets | 39.3400% | 4,090 |
| Net loans and leases to deposits | 43.9531% | 4,117 |
| Net loans and leases to core deposits | 45.1932% | 4,145 |
| Total domestic deposits to total assets | 89.5100% | 1,555 |
| Equity capital to assets | 7.5575% | 3,352 |
| Core capital (leverage) ratio | 11.2535% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8999% | 487 |
| Memoranda: | ||
| Average total assets | $132,504,000 | 3,605 |
| Average earning assets | $121,322,800 | 3,603 |
| Average equity | $11,363,400 | 3,727 |
| Average total loans | $47,877,000 | 3,926 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2646% | 3,269 |
| Cost of funding earning assets | 0.4166% | 1,182 |
| Net interest margin | 2.8479% | 3,632 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.9008% | 1,056 |
| Loan and lease loss provision to assets | -0.1900% | 4,671 |
| Net operating income to assets | 0.3799% | 4,269 |
| Return on assets (ROA) | 0.3780% | 4,220 |
| Pretax return on assets | 0.3979% | 4,266 |
| Return on Equity (ROE) | 4.2900% | 4,104 |
| Retained earnings to average equity (ytd only) | -0.2257% | 4,369 |
| Net charge-offs to loans | -0.0056% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.2225% | 248 |
| Assets per employee ($millions) | 4.6513% | 3,938 |
| Cash dividends to net income (ytd only)* | 105.2632% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 868 |
| Loan loss allowance to noncurrent loans | 686.5079% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 2,980 |
| Noncurrent loans to loans | 0.2482% | 2,388 |
| Net loans and leases to total assets | 38.3200% | 4,136 |
| Net loans and leases to deposits | 42.1949% | 4,176 |
| Net loans and leases to core deposits | 43.0484% | 4,197 |
| Total domestic deposits to total assets | 90.8200% | 1,310 |
| Equity capital to assets | 7.2261% | 3,387 |
| Core capital (leverage) ratio | 11.1420% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9032% | 438 |
| Memoranda: | ||
| Average total assets | $134,029,000 | 3,618 |
| Average earning assets | $122,565,500 | 3,617 |
| Average equity | $11,816,000 | 3,730 |
| Average total loans | $47,216,500 | 3,960 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1754% | 3,126 |
| Cost of funding earning assets | 0.3543% | 1,227 |
| Net interest margin | 2.8212% | 3,374 |
| Noninterest income to average assets | 0.5322% | 2,034 |
| Noninterest expense to average assets | 2.9004% | 988 |
| Loan and lease loss provision to assets | -0.1892% | 4,671 |
| Net operating income to assets | 0.3798% | 4,147 |
| Return on assets (ROA) | 0.3770% | 4,107 |
| Pretax return on assets | 0.3962% | 4,167 |
| Return on Equity (ROE) | 4.0420% | 4,026 |
| Retained earnings to average equity (ytd only) | -2.2984% | 4,404 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2510% | 313 |
| Assets per employee ($millions) | 4.6762% | 3,951 |
| Cash dividends to net income (ytd only)* | 156.8627% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0025% | 549 |
| Loan loss allowance to noncurrent loans | 848.6239% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,146 |
| Noncurrent loans to loans | 0.2360% | 2,535 |
| Net loans and leases to total assets | 34.5731% | 4,304 |
| Net loans and leases to deposits | 38.3614% | 4,320 |
| Net loans and leases to core deposits | 39.1358% | 4,346 |
| Total domestic deposits to total assets | 90.1248% | 1,663 |
| Equity capital to assets | 7.9521% | 3,158 |
| Core capital (leverage) ratio | 11.0328% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6665% | 438 |
| Memoranda: | ||
| Average total assets | $135,293,000 | 3,645 |
| Average earning assets | $123,636,667 | 3,654 |
| Average equity | $12,617,667 | 3,719 |
| Average total loans | $46,031,667 | 4,026 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0271% | 3,172 |
| Cost of funding earning assets | 0.3561% | 1,154 |
| Net interest margin | 2.6710% | 3,473 |
| Noninterest income to average assets | 0.5441% | 1,931 |
| Noninterest expense to average assets | 2.7991% | 1,158 |
| Loan and lease loss provision to assets | -0.1891% | 4,681 |
| Net operating income to assets | 0.3579% | 4,043 |
| Return on assets (ROA) | 0.3579% | 4,007 |
| Pretax return on assets | 0.3783% | 4,071 |
| Return on Equity (ROE) | 3.5859% | 3,972 |
| Retained earnings to average equity (ytd only) | -8.0755% | 4,528 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6709% | 396 |
| Assets per employee ($millions) | 4.4189% | 4,183 |
| Cash dividends to net income (ytd only)* | 325.2033% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1027% | 517 |
| Loan loss allowance to noncurrent loans | 371.0526% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,468 |
| Noncurrent loans to loans | 0.5667% | 1,624 |
| Net loans and leases to total assets | 33.5453% | 4,318 |
| Net loans and leases to deposits | 37.5348% | 4,336 |
| Net loans and leases to core deposits | 38.2614% | 4,365 |
| Total domestic deposits to total assets | 89.3711% | 1,887 |
| Equity capital to assets | 8.7973% | 2,879 |
| Core capital (leverage) ratio | 10.6245% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4086% | 405 |
| Memoranda: | ||
| Average total assets | $137,472,500 | 3,641 |
| Average earning assets | $125,796,000 | 3,661 |
| Average equity | $13,720,500 | 3,684 |
| Average total loans | $45,951,000 | 4,041 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4956% | 2,676 |
| Cost of funding earning assets | 0.4210% | 1,383 |
| Net interest margin | 3.0746% | 2,985 |
| Noninterest income to average assets | 0.7882% | 1,476 |
| Noninterest expense to average assets | 2.9325% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5322% | 4,014 |
| Return on assets (ROA) | 0.6160% | 3,884 |
| Pretax return on assets | 0.6897% | 3,948 |
| Return on Equity (ROE) | 5.2984% | 3,932 |
| Retained earnings to average equity (ytd only) | 0.9040% | 4,282 |
| Net charge-offs to loans | 0.0485% | 1,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,525 |
| Efficiency ratio | 83.1196% | 614 |
| Assets per employee ($millions) | 4.4503% | 4,153 |
| Cash dividends to net income (ytd only)* | 82.9384% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3397% | 361 |
| Loan loss allowance to noncurrent loans | 340.4531% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 2,361 |
| Noncurrent loans to loans | 0.6872% | 1,459 |
| Net loans and leases to total assets | 31.8288% | 4,453 |
| Net loans and leases to deposits | 36.6218% | 4,455 |
| Net loans and leases to core deposits | 37.3428% | 4,484 |
| Total domestic deposits to total assets | 86.9121% | 2,556 |
| Equity capital to assets | 11.1554% | 1,697 |
| Core capital (leverage) ratio | 11.0527% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0610% | 347 |
| Memoranda: | ||
| Average total assets | $137,018,000 | 3,610 |
| Average earning assets | $122,098,000 | 3,661 |
| Average equity | $15,929,200 | 3,545 |
| Average total loans | $49,481,000 | 4,011 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6571% | 2,391 |
| Cost of funding earning assets | 0.4340% | 1,460 |
| Net interest margin | 3.2231% | 2,659 |
| Noninterest income to average assets | 0.8402% | 1,413 |
| Noninterest expense to average assets | 2.9555% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6493% | 3,902 |
| Return on assets (ROA) | 0.7077% | 3,815 |
| Pretax return on assets | 0.8032% | 3,888 |
| Return on Equity (ROE) | 6.0257% | 3,909 |
| Retained earnings to average equity (ytd only) | 0.2158% | 4,533 |
| Net charge-offs to loans | 0.0553% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,434 |
| Efficiency ratio | 80.0422% | 741 |
| Assets per employee ($millions) | 4.3935% | 4,193 |
| Cash dividends to net income (ytd only)* | 96.4187% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2756% | 409 |
| Loan loss allowance to noncurrent loans | 331.7610% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 2,537 |
| Noncurrent loans to loans | 0.6859% | 1,606 |
| Net loans and leases to total assets | 33.2658% | 4,499 |
| Net loans and leases to deposits | 38.5120% | 4,501 |
| Net loans and leases to core deposits | 39.3854% | 4,532 |
| Total domestic deposits to total assets | 86.3778% | 2,607 |
| Equity capital to assets | 11.7235% | 1,534 |
| Core capital (leverage) ratio | 10.8808% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8051% | 348 |
| Memoranda: | ||
| Average total assets | $136,782,500 | 3,654 |
| Average earning assets | $121,038,500 | 3,712 |
| Average equity | $16,064,000 | 3,580 |
| Average total loans | $50,610,500 | 4,039 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 1,893 |
| Cost of funding earning assets | 0.4458% | 1,551 |
| Net interest margin | 3.4263% | 2,074 |
| Noninterest income to average assets | 0.9111% | 1,243 |
| Noninterest expense to average assets | 2.9800% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8038% | 3,503 |
| Return on assets (ROA) | 0.8381% | 3,474 |
| Pretax return on assets | 0.9666% | 3,507 |
| Return on Equity (ROE) | 7.1321% | 3,625 |
| Retained earnings to average equity (ytd only) | -1.5656% | 4,645 |
| Net charge-offs to loans | 0.0692% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 35.2778% | 1,231 |
| Efficiency ratio | 76.2706% | 1,059 |
| Assets per employee ($millions) | 4.5938% | 4,027 |
| Cash dividends to net income (ytd only)* | 121.9512% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2382% | 404 |
| Loan loss allowance to noncurrent loans | 283.6461% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 2,543 |
| Noncurrent loans to loans | 0.7891% | 1,543 |
| Net loans and leases to total assets | 32.4509% | 4,576 |
| Net loans and leases to deposits | 37.2770% | 4,604 |
| Net loans and leases to core deposits | 38.0742% | 4,625 |
| Total domestic deposits to total assets | 87.0535% | 2,285 |
| Equity capital to assets | 11.1713% | 1,857 |
| Core capital (leverage) ratio | 10.6532% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8322% | 435 |
| Memoranda: | ||
| Average total assets | $136,977,667 | 3,663 |
| Average earning assets | $119,781,000 | 3,735 |
| Average equity | $16,096,333 | 3,586 |
| Average total loans | $52,026,667 | 4,041 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 1,286 |
| Cost of funding earning assets | 0.4779% | 1,538 |
| Net interest margin | 3.6734% | 1,394 |
| Noninterest income to average assets | 1.0606% | 1,038 |
| Noninterest expense to average assets | 3.0061% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0131% | 2,774 |
| Return on assets (ROA) | 1.0815% | 2,617 |
| Pretax return on assets | 1.2721% | 2,649 |
| Return on Equity (ROE) | 8.9685% | 3,045 |
| Retained earnings to average equity (ytd only) | -8.3261% | 4,790 |
| Net charge-offs to loans | 0.0588% | 929 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 899 |
| Efficiency ratio | 71.6111% | 1,537 |
| Assets per employee ($millions) | 4.6923% | 3,934 |
| Cash dividends to net income (ytd only)* | 192.8375% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 640 |
| Loan loss allowance to noncurrent loans | 195.0730% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 1,391 |
| Noncurrent loans to loans | 1.0083% | 1,328 |
| Net loans and leases to total assets | 39.1546% | 4,377 |
| Net loans and leases to deposits | 45.1460% | 4,388 |
| Net loans and leases to core deposits | 46.1562% | 4,432 |
| Total domestic deposits to total assets | 86.7287% | 2,429 |
| Equity capital to assets | 11.5252% | 1,527 |
| Core capital (leverage) ratio | 11.1469% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3906% | 436 |
| Memoranda: | ||
| Average total assets | $134,262,000 | 3,695 |
| Average earning assets | $114,661,000 | 3,803 |
| Average equity | $16,190,000 | 3,588 |
| Average total loans | $54,404,500 | 4,020 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 1,432 |
| Cost of funding earning assets | 0.5788% | 2,452 |
| Net interest margin | 3.8735% | 1,294 |
| Noninterest income to average assets | 1.3989% | 599 |
| Noninterest expense to average assets | 3.0870% | 1,261 |
| Loan and lease loss provision to assets | 0.2527% | 1,533 |
| Net operating income to assets | 1.3293% | 1,179 |
| Return on assets (ROA) | 1.3553% | 1,205 |
| Pretax return on assets | 1.5388% | 1,226 |
| Return on Equity (ROE) | 11.1867% | 1,563 |
| Retained earnings to average equity (ytd only) | 8.4590% | 915 |
| Net charge-offs to loans | 0.2225% | 779 |
| Credit loss provision to net charge-offs | 246.2121% | 1,957 |
| Earnings coverage of net charge-offs (x) | 17.1667% | 2,089 |
| Efficiency ratio | 63.6626% | 2,870 |
| Assets per employee ($millions) | 4.4149% | 4,001 |
| Cash dividends to net income (ytd only)* | 24.3832% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 623 |
| Loan loss allowance to noncurrent loans | 158.8496% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 1,145 |
| Noncurrent loans to loans | 1.2450% | 1,104 |
| Net loans and leases to total assets | 40.3049% | 4,429 |
| Net loans and leases to deposits | 47.1677% | 4,425 |
| Net loans and leases to core deposits | 48.2637% | 4,479 |
| Total domestic deposits to total assets | 85.4501% | 2,591 |
| Equity capital to assets | 12.6065% | 1,269 |
| Core capital (leverage) ratio | 11.5232% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4191% | 478 |
| Memoranda: | ||
| Average total assets | $128,604,400 | 3,642 |
| Average earning assets | $114,547,000 | 3,699 |
| Average equity | $15,581,000 | 3,598 |
| Average total loans | $59,317,000 | 3,936 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6700% | 1,135 |
| Cost of funding earning assets | 0.6112% | 2,543 |
| Net interest margin | 4.0589% | 980 |
| Noninterest income to average assets | 1.4436% | 552 |
| Noninterest expense to average assets | 3.1148% | 1,209 |
| Loan and lease loss provision to assets | 0.2092% | 1,920 |
| Net operating income to assets | 1.5411% | 833 |
| Return on assets (ROA) | 1.5595% | 873 |
| Pretax return on assets | 1.7757% | 821 |
| Return on Equity (ROE) | 13.0089% | 1,110 |
| Retained earnings to average equity (ytd only) | 9.3057% | 906 |
| Net charge-offs to loans | 0.2379% | 644 |
| Credit loss provision to net charge-offs | 185.1852% | 2,164 |
| Earnings coverage of net charge-offs (x) | 17.4074% | 2,017 |
| Efficiency ratio | 61.3328% | 3,176 |
| Assets per employee ($millions) | 4.2327% | 4,111 |
| Cash dividends to net income (ytd only)* | 28.4662% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 1,188 |
| Loan loss allowance to noncurrent loans | 150.0770% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 1,312 |
| Noncurrent loans to loans | 1.0444% | 1,429 |
| Net loans and leases to total assets | 45.1608% | 4,360 |
| Net loans and leases to deposits | 52.5155% | 4,390 |
| Net loans and leases to core deposits | 53.8484% | 4,455 |
| Total domestic deposits to total assets | 85.9951% | 2,070 |
| Equity capital to assets | 12.2123% | 1,568 |
| Core capital (leverage) ratio | 11.1696% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1126% | 508 |
| Memoranda: | ||
| Average total assets | $127,643,500 | 3,646 |
| Average earning assets | $114,314,750 | 3,691 |
| Average equity | $15,302,000 | 3,628 |
| Average total loans | $60,531,250 | 3,927 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9998% | 824 |
| Cost of funding earning assets | 0.6626% | 2,611 |
| Net interest margin | 4.3372% | 694 |
| Noninterest income to average assets | 1.4699% | 486 |
| Noninterest expense to average assets | 3.1477% | 1,248 |
| Loan and lease loss provision to assets | 0.3199% | 1,337 |
| Net operating income to assets | 1.7053% | 615 |
| Return on assets (ROA) | 1.7338% | 631 |
| Pretax return on assets | 1.9497% | 612 |
| Return on Equity (ROE) | 14.5611% | 781 |
| Retained earnings to average equity (ytd only) | 8.8522% | 1,048 |
| Net charge-offs to loans | 0.3600% | 442 |
| Credit loss provision to net charge-offs | 185.1852% | 1,980 |
| Earnings coverage of net charge-offs (x) | 12.9537% | 2,022 |
| Efficiency ratio | 58.4497% | 3,639 |
| Assets per employee ($millions) | 4.0429% | 4,263 |
| Cash dividends to net income (ytd only)* | 39.2066% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 1,231 |
| Loan loss allowance to noncurrent loans | 111.5693% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 1,091 |
| Noncurrent loans to loans | 1.3544% | 1,137 |
| Net loans and leases to total assets | 47.5824% | 4,280 |
| Net loans and leases to deposits | 55.0925% | 4,331 |
| Net loans and leases to core deposits | 56.9754% | 4,401 |
| Total domestic deposits to total assets | 86.3681% | 1,859 |
| Equity capital to assets | 11.8165% | 1,774 |
| Core capital (leverage) ratio | 11.0276% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3738% | 640 |
| Memoranda: | ||
| Average total assets | $125,043,000 | 3,664 |
| Average earning assets | $112,884,000 | 3,693 |
| Average equity | $14,889,000 | 3,670 |
| Average total loans | $59,994,333 | 3,948 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,960 |
| Cost of funding earning assets | 0.8073% | 2,338 |
| Net interest margin | 3.8065% | 1,943 |
| Noninterest income to average assets | 0.5825% | 2,116 |
| Noninterest expense to average assets | 3.3494% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6270% | 3,526 |
| Return on assets (ROA) | 0.6818% | 3,401 |
| Pretax return on assets | 0.7414% | 3,562 |
| Return on Equity (ROE) | 5.7020% | 3,422 |
| Retained earnings to average equity (ytd only) | -6.0619% | 4,592 |
| Net charge-offs to loans | 0.7548% | 202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.8899% | 2,332 |
| Efficiency ratio | 83.0870% | 899 |
| Assets per employee ($millions) | 3.9691% | 3,953 |
| Cash dividends to net income (ytd only)* | 206.3107% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,865 |
| Loan loss allowance to noncurrent loans | 106.0274% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 1,287 |
| Noncurrent loans to loans | 1.2815% | 1,276 |
| Net loans and leases to total assets | 45.6670% | 4,436 |
| Net loans and leases to deposits | 52.8395% | 4,492 |
| Net loans and leases to core deposits | 55.2632% | 4,522 |
| Total domestic deposits to total assets | 86.4259% | 1,813 |
| Equity capital to assets | 11.7926% | 2,217 |
| Core capital (leverage) ratio | 11.1614% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7369% | 775 |
| Memoranda: | ||
| Average total assets | $120,857,000 | 3,690 |
| Average earning assets | $109,497,500 | 3,718 |
| Average equity | $14,451,000 | 3,724 |
| Average total loans | $57,763,500 | 3,992 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 2,616 |
| Cost of funding earning assets | 0.8868% | 2,249 |
| Net interest margin | 3.7132% | 2,776 |
| Noninterest income to average assets | 0.7348% | 1,685 |
| Noninterest expense to average assets | 3.2549% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7875% | 3,591 |
| Return on assets (ROA) | 0.8545% | 3,465 |
| Pretax return on assets | 0.9240% | 3,668 |
| Return on Equity (ROE) | 7.4774% | 3,378 |
| Retained earnings to average equity (ytd only) | 4.3649% | 2,782 |
| Net charge-offs to loans | 0.0034% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 508.5000% | 184 |
| Efficiency ratio | 79.2703% | 1,007 |
| Assets per employee ($millions) | 3.5961% | 4,377 |
| Cash dividends to net income (ytd only)* | 41.6259% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 1,205 |
| Loan loss allowance to noncurrent loans | 59.8238% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 854 |
| Noncurrent loans to loans | 2.5204% | 425 |
| Net loans and leases to total assets | 48.6050% | 4,394 |
| Net loans and leases to deposits | 56.5108% | 4,438 |
| Net loans and leases to core deposits | 59.2021% | 4,474 |
| Total domestic deposits to total assets | 86.0101% | 2,061 |
| Equity capital to assets | 12.1276% | 2,060 |
| Core capital (leverage) ratio | 11.4818% | 2,122 |
| Tier 1 risk-based capital ratio | 18.9925% | 1,518 |
| Total risk-based capital ratio | 20.2105% | 1,490 |
| Memoranda: | ||
| Average total assets | $119,481,800 | 3,713 |
| Average earning assets | $108,476,800 | 3,740 |
| Average equity | $13,654,400 | 3,796 |
| Average total loans | $59,290,600 | 4,000 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 2,701 |
| Cost of funding earning assets | 0.9047% | 2,210 |
| Net interest margin | 3.7025% | 2,912 |
| Noninterest income to average assets | 0.7174% | 1,713 |
| Noninterest expense to average assets | 3.2440% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7588% | 3,818 |
| Return on assets (ROA) | 0.8244% | 3,677 |
| Pretax return on assets | 0.8957% | 3,883 |
| Return on Equity (ROE) | 7.3247% | 3,575 |
| Retained earnings to average equity (ytd only) | 3.1180% | 3,844 |
| Net charge-offs to loans | 0.0560% | 2,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 29.6022% | 1,636 |
| Efficiency ratio | 79.7371% | 944 |
| Assets per employee ($millions) | 3.6595% | 4,323 |
| Cash dividends to net income (ytd only)* | 57.4323% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,342 |
| Loan loss allowance to noncurrent loans | 69.1318% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.1618% | 1,106 |
| Noncurrent loans to loans | 2.1208% | 625 |
| Net loans and leases to total assets | 47.8603% | 4,514 |
| Net loans and leases to deposits | 55.4062% | 4,576 |
| Net loans and leases to core deposits | 57.7410% | 4,624 |
| Total domestic deposits to total assets | 86.3806% | 1,832 |
| Equity capital to assets | 11.7976% | 2,419 |
| Core capital (leverage) ratio | 11.3277% | 2,357 |
| Tier 1 risk-based capital ratio | 18.6571% | 1,648 |
| Total risk-based capital ratio | 19.8467% | 1,633 |
| Memoranda: | ||
| Average total assets | $119,684,500 | 3,749 |
| Average earning assets | $108,321,250 | 3,782 |
| Average equity | $13,470,000 | 3,860 |
| Average total loans | $59,472,500 | 4,043 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 2,748 |
| Cost of funding earning assets | 0.9149% | 2,078 |
| Net interest margin | 3.6615% | 3,065 |
| Noninterest income to average assets | 0.6939% | 1,742 |
| Noninterest expense to average assets | 3.2550% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7146% | 3,954 |
| Return on assets (ROA) | 0.7291% | 3,959 |
| Pretax return on assets | 0.7609% | 4,194 |
| Return on Equity (ROE) | 6.5854% | 3,848 |
| Retained earnings to average equity (ytd only) | 0.1514% | 4,651 |
| Net charge-offs to loans | 0.0167% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 751 |
| Efficiency ratio | 81.3574% | 847 |
| Assets per employee ($millions) | 3.7380% | 4,196 |
| Cash dividends to net income (ytd only)* | 97.7011% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 1,348 |
| Loan loss allowance to noncurrent loans | 62.6335% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 1,115 |
| Noncurrent loans to loans | 2.3539% | 540 |
| Net loans and leases to total assets | 47.6746% | 4,582 |
| Net loans and leases to deposits | 54.7590% | 4,647 |
| Net loans and leases to core deposits | 56.4673% | 4,700 |
| Total domestic deposits to total assets | 87.0625% | 1,572 |
| Equity capital to assets | 11.2010% | 2,854 |
| Core capital (leverage) ratio | 11.2392% | 2,386 |
| Tier 1 risk-based capital ratio | 18.0035% | 1,807 |
| Total risk-based capital ratio | 19.2054% | 1,775 |
| Memoranda: | ||
| Average total assets | $119,325,330 | 3,778 |
| Average earning assets | $107,770,000 | 3,811 |
| Average equity | $13,211,000 | 3,905 |
| Average total loans | $59,744,330 | 4,057 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 2,748 |
| Cost of funding earning assets | 0.8834% | 2,074 |
| Net interest margin | 3.6524% | 3,067 |
| Noninterest income to average assets | 0.7331% | 1,492 |
| Noninterest expense to average assets | 3.2665% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7923% | 3,650 |
| Return on assets (ROA) | 0.8218% | 3,586 |
| Pretax return on assets | 0.8524% | 3,911 |
| Return on Equity (ROE) | 7.4682% | 3,469 |
| Retained earnings to average equity (ytd only) | -5.7019% | 4,961 |
| Net charge-offs to loans | 0.0736% | 1,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 21.9091% | 1,517 |
| Efficiency ratio | 79.8999% | 1,076 |
| Assets per employee ($millions) | 3.7706% | 4,234 |
| Cash dividends to net income (ytd only)* | 176.3485% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,470 |
| Loan loss allowance to noncurrent loans | 63.1960% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2396% | 1,074 |
| Noncurrent loans to loans | 2.3126% | 587 |
| Net loans and leases to total assets | 50.4149% | 4,440 |
| Net loans and leases to deposits | 57.8823% | 4,510 |
| Net loans and leases to core deposits | 59.7807% | 4,568 |
| Total domestic deposits to total assets | 87.0990% | 1,758 |
| Equity capital to assets | 11.1575% | 2,700 |
| Core capital (leverage) ratio | 11.1147% | 2,462 |
| Tier 1 risk-based capital ratio | 18.0562% | 1,784 |
| Total risk-based capital ratio | 19.2712% | 1,745 |
| Memoranda: | ||
| Average total assets | $117,310,500 | 3,846 |
| Average earning assets | $107,764,500 | 3,850 |
| Average equity | $12,908,000 | 3,961 |
| Average total loans | $59,772,000 | 4,092 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 1,950 |
| Cost of funding earning assets | 0.7114% | 2,017 |
| Net interest margin | 3.9500% | 2,157 |
| Noninterest income to average assets | 0.5836% | 2,383 |
| Noninterest expense to average assets | 3.3812% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7776% | 3,886 |
| Return on assets (ROA) | 0.7924% | 3,833 |
| Pretax return on assets | 0.8433% | 4,058 |
| Return on Equity (ROE) | 7.3063% | 3,728 |
| Retained earnings to average equity (ytd only) | 4.0698% | 3,321 |
| Net charge-offs to loans | 0.1237% | 1,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 12.5733% | 2,520 |
| Efficiency ratio | 80.3378% | 931 |
| Assets per employee ($millions) | 3.6791% | 4,351 |
| Cash dividends to net income (ytd only)* | 44.2968% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,346 |
| Loan loss allowance to noncurrent loans | 68.1818% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 1,221 |
| Noncurrent loans to loans | 2.1727% | 593 |
| Net loans and leases to total assets | 49.9911% | 4,517 |
| Net loans and leases to deposits | 57.2787% | 4,605 |
| Net loans and leases to core deposits | 59.4687% | 4,649 |
| Total domestic deposits to total assets | 87.2769% | 1,650 |
| Equity capital to assets | 10.8502% | 2,845 |
| Core capital (leverage) ratio | 11.2853% | 2,275 |
| Tier 1 risk-based capital ratio | 18.2529% | 1,674 |
| Total risk-based capital ratio | 19.4792% | 1,638 |
| Memoranda: | ||
| Average total assets | $113,953,000 | 3,885 |
| Average earning assets | $104,582,400 | 3,904 |
| Average equity | $12,359,200 | 3,980 |
| Average total loans | $60,640,800 | 4,075 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 1,946 |
| Cost of funding earning assets | 0.6762% | 1,993 |
| Net interest margin | 3.9340% | 2,180 |
| Noninterest income to average assets | 0.5958% | 2,330 |
| Noninterest expense to average assets | 3.4557% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6866% | 4,267 |
| Return on assets (ROA) | 0.6996% | 4,231 |
| Pretax return on assets | 0.7645% | 4,388 |
| Return on Equity (ROE) | 6.4514% | 4,126 |
| Retained earnings to average equity (ytd only) | 2.0997% | 4,543 |
| Net charge-offs to loans | -0.0548% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1599% | 764 |
| Assets per employee ($millions) | 3.3421% | 4,737 |
| Cash dividends to net income (ytd only)* | 67.4534% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 993 |
| Loan loss allowance to noncurrent loans | 79.2438% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 1,355 |
| Noncurrent loans to loans | 2.0665% | 697 |
| Net loans and leases to total assets | 50.5792% | 4,558 |
| Net loans and leases to deposits | 57.6370% | 4,663 |
| Net loans and leases to core deposits | 59.7608% | 4,714 |
| Total domestic deposits to total assets | 87.7546% | 1,360 |
| Equity capital to assets | 10.4227% | 3,215 |
| Core capital (leverage) ratio | 11.2288% | 2,393 |
| Tier 1 risk-based capital ratio | 17.8553% | 1,828 |
| Total risk-based capital ratio | 19.1056% | 1,792 |
| Memoranda: | ||
| Average total assets | $113,008,500 | 3,939 |
| Average earning assets | $103,708,000 | 3,959 |
| Average equity | $12,255,500 | 4,032 |
| Average total loans | $60,866,000 | 4,115 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 1,996 |
| Cost of funding earning assets | 0.6562% | 1,892 |
| Net interest margin | 3.8749% | 2,292 |
| Noninterest income to average assets | 0.5945% | 2,349 |
| Noninterest expense to average assets | 3.4669% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6297% | 4,407 |
| Return on assets (ROA) | 0.6447% | 4,372 |
| Pretax return on assets | 0.6966% | 4,525 |
| Return on Equity (ROE) | 5.8648% | 4,287 |
| Retained earnings to average equity (ytd only) | -0.6516% | 5,043 |
| Net charge-offs to loans | -0.0949% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5924% | 715 |
| Assets per employee ($millions) | 3.4029% | 4,710 |
| Cash dividends to net income (ytd only)* | 111.1111% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 1,031 |
| Loan loss allowance to noncurrent loans | 75.7274% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 1,070 |
| Noncurrent loans to loans | 2.1509% | 657 |
| Net loans and leases to total assets | 53.1894% | 4,398 |
| Net loans and leases to deposits | 60.9200% | 4,482 |
| Net loans and leases to core deposits | 63.2642% | 4,536 |
| Total domestic deposits to total assets | 87.3102% | 1,721 |
| Equity capital to assets | 10.8242% | 2,812 |
| Core capital (leverage) ratio | 11.3982% | 2,159 |
| Tier 1 risk-based capital ratio | 17.9598% | 1,810 |
| Total risk-based capital ratio | 19.2116% | 1,779 |
| Memoranda: | ||
| Average total assets | $111,686,330 | 3,989 |
| Average earning assets | $102,403,000 | 4,011 |
| Average equity | $12,276,670 | 4,038 |
| Average total loans | $61,104,670 | 4,136 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 2,162 |
| Cost of funding earning assets | 0.6380% | 1,788 |
| Net interest margin | 3.7735% | 2,528 |
| Noninterest income to average assets | 0.5135% | 2,727 |
| Noninterest expense to average assets | 3.5122% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4561% | 4,797 |
| Return on assets (ROA) | 0.4561% | 4,801 |
| Pretax return on assets | 0.4633% | 4,939 |
| Return on Equity (ROE) | 4.1175% | 4,739 |
| Retained earnings to average equity (ytd only) | -8.8511% | 5,330 |
| Net charge-offs to loans | -0.3328% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3469% | 516 |
| Assets per employee ($millions) | 3.3439% | 4,852 |
| Cash dividends to net income (ytd only)* | 314.9606% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 1,020 |
| Loan loss allowance to noncurrent loans | 64.5182% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.5322% | 895 |
| Noncurrent loans to loans | 2.5814% | 515 |
| Net loans and leases to total assets | 52.5037% | 4,404 |
| Net loans and leases to deposits | 60.1417% | 4,462 |
| Net loans and leases to core deposits | 62.4175% | 4,527 |
| Total domestic deposits to total assets | 87.3000% | 2,008 |
| Equity capital to assets | 10.5547% | 3,016 |
| Core capital (leverage) ratio | 11.2936% | 2,172 |
| Tier 1 risk-based capital ratio | 17.9515% | 1,850 |
| Total risk-based capital ratio | 19.2016% | 1,798 |
| Memoranda: | ||
| Average total assets | $111,382,000 | 4,038 |
| Average earning assets | $102,187,500 | 4,054 |
| Average equity | $12,337,500 | 4,071 |
| Average total loans | $61,298,000 | 4,170 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,457 |
| Cost of funding earning assets | 0.5489% | 1,958 |
| Net interest margin | 4.0413% | 1,620 |
| Noninterest income to average assets | 0.7664% | 1,706 |
| Noninterest expense to average assets | 3.4822% | 1,065 |
| Loan and lease loss provision to assets | 0.0037% | 4,175 |
| Net operating income to assets | 0.6231% | 3,920 |
| Return on assets (ROA) | 0.6415% | 3,884 |
| Pretax return on assets | 0.9747% | 3,660 |
| Return on Equity (ROE) | 5.4979% | 3,966 |
| Retained earnings to average equity (ytd only) | 2.3245% | 3,928 |
| Net charge-offs to loans | -0.1115% | 5,396 |
| Credit loss provision to net charge-offs | -5.7971% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5550% | 1,278 |
| Assets per employee ($millions) | 3.2080% | 5,023 |
| Cash dividends to net income (ytd only)* | 57.7201% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,272 |
| Loan loss allowance to noncurrent loans | 60.4534% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 820 |
| Noncurrent loans to loans | 2.5658% | 510 |
| Net loans and leases to total assets | 55.8645% | 4,202 |
| Net loans and leases to deposits | 64.9332% | 4,265 |
| Net loans and leases to core deposits | 67.5289% | 4,328 |
| Total domestic deposits to total assets | 86.0339% | 2,420 |
| Equity capital to assets | 11.6209% | 2,102 |
| Core capital (leverage) ratio | 11.6826% | 1,806 |
| Tier 1 risk-based capital ratio | 18.5184% | 1,648 |
| Total risk-based capital ratio | 19.7709% | 1,598 |
| Memoranda: | ||
| Average total assets | $108,034,000 | 4,099 |
| Average earning assets | $98,013,600 | 4,131 |
| Average equity | $12,604,800 | 4,039 |
| Average total loans | $61,858,800 | 4,155 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 1,399 |
| Cost of funding earning assets | 0.5343% | 1,995 |
| Net interest margin | 4.0546% | 1,524 |
| Noninterest income to average assets | 0.8326% | 1,468 |
| Noninterest expense to average assets | 3.3848% | 1,187 |
| Loan and lease loss provision to assets | 0.0049% | 4,022 |
| Net operating income to assets | 0.8729% | 3,160 |
| Return on assets (ROA) | 0.9019% | 3,076 |
| Pretax return on assets | 1.1505% | 3,114 |
| Return on Equity (ROE) | 7.7219% | 3,278 |
| Retained earnings to average equity (ytd only) | 4.0145% | 3,534 |
| Net charge-offs to loans | -0.1768% | 5,509 |
| Credit loss provision to net charge-offs | -4.8780% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1648% | 1,711 |
| Assets per employee ($millions) | 3.3112% | 4,957 |
| Cash dividends to net income (ytd only)* | 48.0113% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 1,286 |
| Loan loss allowance to noncurrent loans | 84.8300% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2099% | 1,359 |
| Noncurrent loans to loans | 1.8614% | 938 |
| Net loans and leases to total assets | 55.5034% | 4,275 |
| Net loans and leases to deposits | 64.3398% | 4,356 |
| Net loans and leases to core deposits | 66.8924% | 4,429 |
| Total domestic deposits to total assets | 86.2660% | 2,198 |
| Equity capital to assets | 11.8918% | 2,041 |
| Core capital (leverage) ratio | 11.7406% | 1,854 |
| Tier 1 risk-based capital ratio | 18.8371% | 1,638 |
| Total risk-based capital ratio | 20.0882% | 1,587 |
| Memoranda: | ||
| Average total assets | $107,774,750 | 4,144 |
| Average earning assets | $97,566,250 | 4,175 |
| Average equity | $12,587,250 | 4,085 |
| Average total loans | $61,850,500 | 4,196 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 1,381 |
| Cost of funding earning assets | 0.5187% | 2,023 |
| Net interest margin | 4.0349% | 1,501 |
| Noninterest income to average assets | 0.8147% | 1,518 |
| Noninterest expense to average assets | 3.3353% | 1,303 |
| Loan and lease loss provision to assets | 0.0075% | 3,779 |
| Net operating income to assets | 0.8911% | 2,958 |
| Return on assets (ROA) | 0.9042% | 2,943 |
| Pretax return on assets | 1.1578% | 2,947 |
| Return on Equity (ROE) | 7.7901% | 3,148 |
| Retained earnings to average equity (ytd only) | 2.1684% | 4,380 |
| Net charge-offs to loans | -0.2455% | 5,611 |
| Credit loss provision to net charge-offs | -5.2632% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3867% | 1,943 |
| Assets per employee ($millions) | 3.3515% | 4,921 |
| Cash dividends to net income (ytd only)* | 72.1649% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,377 |
| Loan loss allowance to noncurrent loans | 90.2894% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1266% | 1,541 |
| Noncurrent loans to loans | 1.7228% | 1,053 |
| Net loans and leases to total assets | 55.3331% | 4,285 |
| Net loans and leases to deposits | 63.8394% | 4,378 |
| Net loans and leases to core deposits | 66.3195% | 4,447 |
| Total domestic deposits to total assets | 86.6755% | 2,101 |
| Equity capital to assets | 11.5343% | 2,293 |
| Core capital (leverage) ratio | 11.7479% | 1,798 |
| Tier 1 risk-based capital ratio | 17.9713% | 1,862 |
| Total risk-based capital ratio | 19.2225% | 1,820 |
| Memoranda: | ||
| Average total assets | $107,276,670 | 4,180 |
| Average earning assets | $97,549,000 | 4,209 |
| Average equity | $12,451,670 | 4,119 |
| Average total loans | $61,927,000 | 4,204 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 1,225 |
| Cost of funding earning assets | 0.5255% | 1,898 |
| Net interest margin | 4.0371% | 1,379 |
| Noninterest income to average assets | 0.7120% | 1,908 |
| Noninterest expense to average assets | 3.3632% | 1,264 |
| Loan and lease loss provision to assets | 0.0151% | 3,367 |
| Net operating income to assets | 0.8269% | 3,090 |
| Return on assets (ROA) | 0.8332% | 3,124 |
| Pretax return on assets | 1.0074% | 3,338 |
| Return on Equity (ROE) | 7.1551% | 3,339 |
| Retained earnings to average equity (ytd only) | -4.2280% | 5,340 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8166% | 1,783 |
| Assets per employee ($millions) | 3.2127% | 5,150 |
| Cash dividends to net income (ytd only)* | 159.0909% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 1,889 |
| Loan loss allowance to noncurrent loans | 86.5049% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.2403% | 1,401 |
| Noncurrent loans to loans | 1.6684% | 1,158 |
| Net loans and leases to total assets | 57.3907% | 4,026 |
| Net loans and leases to deposits | 66.9915% | 4,091 |
| Net loans and leases to core deposits | 69.4895% | 4,186 |
| Total domestic deposits to total assets | 85.6686% | 2,807 |
| Equity capital to assets | 11.6177% | 2,102 |
| Core capital (leverage) ratio | 11.6606% | 1,848 |
| Tier 1 risk-based capital ratio | 17.6272% | 1,995 |
| Total risk-based capital ratio | 18.8772% | 1,952 |
| Memoranda: | ||
| Average total assets | $105,614,500 | 4,256 |
| Average earning assets | $95,911,000 | 4,273 |
| Average equity | $12,299,000 | 4,167 |
| Average total loans | $61,807,500 | 4,250 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 1,095 |
| Cost of funding earning assets | 0.5475% | 1,713 |
| Net interest margin | 4.1340% | 1,290 |
| Noninterest income to average assets | 0.7837% | 1,811 |
| Noninterest expense to average assets | 3.6398% | 961 |
| Loan and lease loss provision to assets | 0.0245% | 3,865 |
| Net operating income to assets | 0.6945% | 3,807 |
| Return on assets (ROA) | 0.7572% | 3,616 |
| Pretax return on assets | 0.9395% | 3,697 |
| Return on Equity (ROE) | 6.5077% | 3,736 |
| Retained earnings to average equity (ytd only) | 3.6677% | 3,305 |
| Net charge-offs to loans | -0.0157% | 5,061 |
| Credit loss provision to net charge-offs | -260.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4130% | 1,370 |
| Assets per employee ($millions) | 3.0944% | 5,272 |
| Cash dividends to net income (ytd only)* | 43.6409% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,944 |
| Loan loss allowance to noncurrent loans | 107.6456% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 1,790 |
| Noncurrent loans to loans | 1.3316% | 1,545 |
| Net loans and leases to total assets | 57.9717% | 4,071 |
| Net loans and leases to deposits | 67.9236% | 4,086 |
| Net loans and leases to core deposits | 70.4792% | 4,200 |
| Total domestic deposits to total assets | 85.3484% | 2,902 |
| Equity capital to assets | 11.6728% | 2,026 |
| Core capital (leverage) ratio | 11.5408% | 1,901 |
| Tier 1 risk-based capital ratio | 17.7131% | 1,942 |
| Total risk-based capital ratio | 18.9637% | 1,904 |
| Memoranda: | ||
| Average total assets | $105,911,000 | 4,239 |
| Average earning assets | $95,887,000 | 4,275 |
| Average equity | $12,323,800 | 4,204 |
| Average total loans | $63,618,600 | 4,190 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,093 |
| Cost of funding earning assets | 0.5533% | 1,662 |
| Net interest margin | 4.1358% | 1,289 |
| Noninterest income to average assets | 0.7880% | 1,814 |
| Noninterest expense to average assets | 3.7026% | 839 |
| Loan and lease loss provision to assets | 0.0327% | 3,576 |
| Net operating income to assets | 0.6455% | 4,102 |
| Return on assets (ROA) | 0.7289% | 3,830 |
| Pretax return on assets | 0.8948% | 3,993 |
| Return on Equity (ROE) | 6.2695% | 3,945 |
| Retained earnings to average equity (ytd only) | 2.4862% | 4,432 |
| Net charge-offs to loans | -0.0125% | 4,854 |
| Credit loss provision to net charge-offs | -433.3333% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7879% | 1,221 |
| Assets per employee ($millions) | 3.2635% | 5,089 |
| Cash dividends to net income (ytd only)* | 60.3458% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 2,231 |
| Loan loss allowance to noncurrent loans | 109.2822% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1532% | 1,745 |
| Noncurrent loans to loans | 1.2749% | 1,755 |
| Net loans and leases to total assets | 58.0272% | 4,091 |
| Net loans and leases to deposits | 67.9117% | 4,164 |
| Net loans and leases to core deposits | 70.3718% | 4,295 |
| Total domestic deposits to total assets | 85.4451% | 2,626 |
| Equity capital to assets | 11.7897% | 2,267 |
| Core capital (leverage) ratio | 11.3135% | 2,183 |
| Tier 1 risk-based capital ratio | 17.3806% | 2,107 |
| Total risk-based capital ratio | 18.6309% | 2,069 |
| Memoranda: | ||
| Average total assets | $106,086,250 | 4,277 |
| Average earning assets | $95,909,000 | 4,306 |
| Average equity | $12,334,500 | 4,242 |
| Average total loans | $64,053,500 | 4,201 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 1,200 |
| Cost of funding earning assets | 0.5672% | 1,564 |
| Net interest margin | 4.0645% | 1,462 |
| Noninterest income to average assets | 0.7106% | 2,094 |
| Noninterest expense to average assets | 3.7594% | 812 |
| Loan and lease loss provision to assets | 0.0493% | 3,163 |
| Net operating income to assets | 0.4242% | 4,960 |
| Return on assets (ROA) | 0.4851% | 4,842 |
| Pretax return on assets | 0.6651% | 4,730 |
| Return on Equity (ROE) | 4.1920% | 4,837 |
| Retained earnings to average equity (ytd only) | -1.5393% | 5,496 |
| Net charge-offs to loans | -0.0187% | 4,921 |
| Credit loss provision to net charge-offs | -433.3333% | 4,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6280% | 916 |
| Assets per employee ($millions) | 3.0587% | 5,362 |
| Cash dividends to net income (ytd only)* | 136.7188% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 2,418 |
| Loan loss allowance to noncurrent loans | 87.9482% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.3432% | 1,488 |
| Noncurrent loans to loans | 1.5617% | 1,380 |
| Net loans and leases to total assets | 59.2275% | 3,983 |
| Net loans and leases to deposits | 70.2124% | 3,963 |
| Net loans and leases to core deposits | 72.7985% | 4,111 |
| Total domestic deposits to total assets | 84.3548% | 3,137 |
| Equity capital to assets | 11.5399% | 2,503 |
| Core capital (leverage) ratio | 11.2796% | 2,164 |
| Tier 1 risk-based capital ratio | 16.7172% | 2,341 |
| Total risk-based capital ratio | 17.9566% | 2,303 |
| Memoranda: | ||
| Average total assets | $105,549,670 | 4,324 |
| Average earning assets | $95,559,000 | 4,349 |
| Average equity | $12,213,670 | 4,280 |
| Average total loans | $64,279,330 | 4,231 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6361% | 1,171 |
| Cost of funding earning assets | 0.5785% | 1,489 |
| Net interest margin | 4.0576% | 1,453 |
| Noninterest income to average assets | 0.7405% | 1,856 |
| Noninterest expense to average assets | 3.7444% | 848 |
| Loan and lease loss provision to assets | 0.0496% | 2,934 |
| Net operating income to assets | 0.4925% | 4,658 |
| Return on assets (ROA) | 0.6336% | 4,161 |
| Pretax return on assets | 0.8245% | 4,124 |
| Return on Equity (ROE) | 5.4679% | 4,246 |
| Retained earnings to average equity (ytd only) | -6.0609% | 5,665 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4234% | 1,121 |
| Assets per employee ($millions) | 3.0925% | 5,411 |
| Cash dividends to net income (ytd only)* | 210.8434% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 2,629 |
| Loan loss allowance to noncurrent loans | 86.9215% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 1,562 |
| Noncurrent loans to loans | 1.5587% | 1,497 |
| Net loans and leases to total assets | 59.8284% | 3,801 |
| Net loans and leases to deposits | 71.3050% | 3,716 |
| Net loans and leases to core deposits | 73.9870% | 3,897 |
| Total domestic deposits to total assets | 83.9049% | 3,556 |
| Equity capital to assets | 11.5290% | 2,417 |
| Core capital (leverage) ratio | 11.2374% | 2,195 |
| Tier 1 risk-based capital ratio | 16.5033% | 2,478 |
| Total risk-based capital ratio | 17.7130% | 2,447 |
| Memoranda: | ||
| Average total assets | $104,797,000 | 4,374 |
| Average earning assets | $95,425,500 | 4,390 |
| Average equity | $12,143,500 | 4,311 |
| Average total loans | $64,274,500 | 4,254 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,341 |
| Cost of funding earning assets | 0.6104% | 1,310 |
| Net interest margin | 3.9854% | 1,768 |
| Noninterest income to average assets | 0.7009% | 2,197 |
| Noninterest expense to average assets | 3.7071% | 965 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5517% | 4,489 |
| Return on assets (ROA) | 0.6359% | 4,194 |
| Pretax return on assets | 0.7613% | 4,333 |
| Return on Equity (ROE) | 5.7715% | 4,141 |
| Retained earnings to average equity (ytd only) | 2.8226% | 4,062 |
| Net charge-offs to loans | 0.1139% | 2,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.7534% | 2,782 |
| Efficiency ratio | 84.8672% | 1,104 |
| Assets per employee ($millions) | 2.9843% | 5,531 |
| Cash dividends to net income (ytd only)* | 51.0949% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,819 |
| Loan loss allowance to noncurrent loans | 97.4800% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.2513% | 1,710 |
| Noncurrent loans to loans | 1.3477% | 1,742 |
| Net loans and leases to total assets | 61.2044% | 3,663 |
| Net loans and leases to deposits | 73.3565% | 3,566 |
| Net loans and leases to core deposits | 76.1519% | 3,741 |
| Total domestic deposits to total assets | 83.4342% | 3,699 |
| Equity capital to assets | 11.6467% | 2,235 |
| Core capital (leverage) ratio | 11.2116% | 2,205 |
| Tier 1 risk-based capital ratio | 16.5469% | 2,455 |
| Total risk-based capital ratio | 17.7255% | 2,454 |
| Memoranda: | ||
| Average total assets | $107,713,200 | 4,302 |
| Average earning assets | $99,111,600 | 4,314 |
| Average equity | $11,868,600 | 4,331 |
| Average total loans | $64,070,200 | 4,258 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 1,477 |
| Cost of funding earning assets | 0.6210% | 1,269 |
| Net interest margin | 3.9222% | 1,959 |
| Noninterest income to average assets | 0.6659% | 2,407 |
| Noninterest expense to average assets | 3.6843% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4906% | 4,827 |
| Return on assets (ROA) | 0.5541% | 4,672 |
| Pretax return on assets | 0.6745% | 4,764 |
| Return on Equity (ROE) | 5.0983% | 4,581 |
| Retained earnings to average equity (ytd only) | 1.1417% | 5,258 |
| Net charge-offs to loans | 0.1002% | 2,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.1247% | 2,624 |
| Efficiency ratio | 86.0545% | 1,002 |
| Assets per employee ($millions) | 3.2520% | 5,214 |
| Cash dividends to net income (ytd only)* | 77.6059% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,844 |
| Loan loss allowance to noncurrent loans | 101.5081% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 2,102 |
| Noncurrent loans to loans | 1.3308% | 1,920 |
| Net loans and leases to total assets | 59.5425% | 3,932 |
| Net loans and leases to deposits | 71.1163% | 3,859 |
| Net loans and leases to core deposits | 73.7248% | 4,043 |
| Total domestic deposits to total assets | 83.7255% | 3,530 |
| Equity capital to assets | 11.1597% | 2,836 |
| Core capital (leverage) ratio | 10.8125% | 2,701 |
| Tier 1 risk-based capital ratio | 16.5592% | 2,542 |
| Total risk-based capital ratio | 17.7967% | 2,509 |
| Memoranda: | ||
| Average total assets | $108,529,000 | 4,332 |
| Average earning assets | $100,043,750 | 4,332 |
| Average equity | $11,794,500 | 4,392 |
| Average total loans | $63,893,000 | 4,307 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 1,595 |
| Cost of funding earning assets | 0.6338% | 1,205 |
| Net interest margin | 3.8464% | 2,152 |
| Noninterest income to average assets | 0.6059% | 2,700 |
| Noninterest expense to average assets | 3.5930% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4976% | 4,779 |
| Return on assets (ROA) | 0.5783% | 4,535 |
| Pretax return on assets | 0.6591% | 4,795 |
| Return on Equity (ROE) | 5.3690% | 4,440 |
| Retained earnings to average equity (ytd only) | -0.5966% | 5,629 |
| Net charge-offs to loans | 0.1572% | 1,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.1800% | 2,814 |
| Efficiency ratio | 86.3636% | 1,031 |
| Assets per employee ($millions) | 3.3029% | 5,159 |
| Cash dividends to net income (ytd only)* | 111.1111% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 3,011 |
| Loan loss allowance to noncurrent loans | 101.3921% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 2,524 |
| Noncurrent loans to loans | 1.3262% | 2,029 |
| Net loans and leases to total assets | 57.1024% | 4,208 |
| Net loans and leases to deposits | 67.5523% | 4,174 |
| Net loans and leases to core deposits | 70.7137% | 4,257 |
| Total domestic deposits to total assets | 84.5307% | 3,330 |
| Equity capital to assets | 10.4176% | 3,539 |
| Core capital (leverage) ratio | 10.8576% | 2,563 |
| Tier 1 risk-based capital ratio | 17.2241% | 2,315 |
| Total risk-based capital ratio | 18.4752% | 2,272 |
| Memoranda: | ||
| Average total assets | $108,933,670 | 4,357 |
| Average earning assets | $100,664,670 | 4,354 |
| Average equity | $11,734,000 | 4,429 |
| Average total loans | $63,599,670 | 4,349 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 1,541 |
| Cost of funding earning assets | 0.6598% | 1,049 |
| Net interest margin | 3.8140% | 2,186 |
| Noninterest income to average assets | 0.5184% | 3,163 |
| Noninterest expense to average assets | 3.6587% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4513% | 4,869 |
| Return on assets (ROA) | 0.4886% | 4,862 |
| Pretax return on assets | 0.4326% | 5,357 |
| Return on Equity (ROE) | 4.4590% | 4,776 |
| Retained earnings to average equity (ytd only) | -7.4544% | 6,054 |
| Net charge-offs to loans | 0.2989% | 797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.2553% | 2,797 |
| Efficiency ratio | 90.2484% | 834 |
| Assets per employee ($millions) | 3.2524% | 5,320 |
| Cash dividends to net income (ytd only)* | 267.1756% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 3,032 |
| Loan loss allowance to noncurrent loans | 115.5468% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0612% | 2,492 |
| Noncurrent loans to loans | 1.1921% | 2,390 |
| Net loans and leases to total assets | 58.5024% | 3,871 |
| Net loans and leases to deposits | 70.0258% | 3,746 |
| Net loans and leases to core deposits | 73.5160% | 3,825 |
| Total domestic deposits to total assets | 83.5441% | 3,996 |
| Equity capital to assets | 10.9737% | 3,002 |
| Core capital (leverage) ratio | 10.5614% | 2,895 |
| Tier 1 risk-based capital ratio | 17.2769% | 2,387 |
| Total risk-based capital ratio | 18.5257% | 2,343 |
| Memoranda: | ||
| Average total assets | $107,250,500 | 4,430 |
| Average earning assets | $99,424,000 | 4,413 |
| Average equity | $11,751,500 | 4,457 |
| Average total loans | $62,899,500 | 4,399 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 1,661 |
| Cost of funding earning assets | 0.7563% | 819 |
| Net interest margin | 3.8046% | 2,610 |
| Noninterest income to average assets | 0.5655% | 3,085 |
| Noninterest expense to average assets | 3.4681% | 1,554 |
| Loan and lease loss provision to assets | -0.0314% | 5,975 |
| Net operating income to assets | 0.5504% | 4,596 |
| Return on assets (ROA) | 0.6312% | 4,337 |
| Pretax return on assets | 0.7485% | 4,448 |
| Return on Equity (ROE) | 6.0496% | 4,118 |
| Retained earnings to average equity (ytd only) | 2.9495% | 4,147 |
| Net charge-offs to loans | 0.0340% | 4,151 |
| Credit loss provision to net charge-offs | -161.9048% | 5,588 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,271 |
| Efficiency ratio | 84.8136% | 1,307 |
| Assets per employee ($millions) | 3.2476% | 5,357 |
| Cash dividends to net income (ytd only)* | 51.2445% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 2,537 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.9704% | 2,818 |
| Noncurrent loans to loans | 1.0623% | 2,700 |
| Net loans and leases to total assets | 57.1119% | 4,178 |
| Net loans and leases to deposits | 68.9629% | 4,035 |
| Net loans and leases to core deposits | 71.9925% | 4,123 |
| Total domestic deposits to total assets | 82.8155% | 4,139 |
| Equity capital to assets | 10.9404% | 2,961 |
| Core capital (leverage) ratio | 10.5972% | 2,840 |
| Tier 1 risk-based capital ratio | 16.6086% | 2,666 |
| Total risk-based capital ratio | 17.8597% | 2,616 |
| Memoranda: | ||
| Average total assets | $108,214,000 | 4,411 |
| Average earning assets | $100,220,000 | 4,385 |
| Average equity | $11,290,000 | 4,499 |
| Average total loans | $61,680,600 | 4,440 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 1,687 |
| Cost of funding earning assets | 0.7642% | 827 |
| Net interest margin | 3.7907% | 2,654 |
| Noninterest income to average assets | 0.5740% | 3,038 |
| Noninterest expense to average assets | 3.5915% | 1,311 |
| Loan and lease loss provision to assets | 0.0197% | 4,008 |
| Net operating income to assets | 0.4295% | 5,145 |
| Return on assets (ROA) | 0.5003% | 4,938 |
| Pretax return on assets | 0.5531% | 5,176 |
| Return on Equity (ROE) | 4.8532% | 4,794 |
| Retained earnings to average equity (ytd only) | 0.6797% | 5,601 |
| Net charge-offs to loans | 0.0433% | 3,637 |
| Credit loss provision to net charge-offs | 80.0000% | 2,591 |
| Earnings coverage of net charge-offs (x) | 20.0971% | 1,752 |
| Efficiency ratio | 87.9061% | 1,011 |
| Assets per employee ($millions) | 3.3850% | 5,068 |
| Cash dividends to net income (ytd only)* | 85.9965% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,566 |
| Loan loss allowance to noncurrent loans | 94.2029% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.9555% | 3,056 |
| Noncurrent loans to loans | 1.6278% | 2,004 |
| Net loans and leases to total assets | 57.7982% | 4,106 |
| Net loans and leases to deposits | 71.7699% | 3,706 |
| Net loans and leases to core deposits | 75.2289% | 3,835 |
| Total domestic deposits to total assets | 80.5327% | 4,955 |
| Equity capital to assets | 10.5641% | 3,479 |
| Core capital (leverage) ratio | 10.2214% | 3,383 |
| Tier 1 risk-based capital ratio | 15.8347% | 3,136 |
| Total risk-based capital ratio | 17.0869% | 3,078 |
| Memoranda: | ||
| Average total assets | $108,474,500 | 4,452 |
| Average earning assets | $100,488,250 | 4,423 |
| Average equity | $11,181,250 | 4,554 |
| Average total loans | $61,567,750 | 4,480 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 1,730 |
| Cost of funding earning assets | 0.7704% | 832 |
| Net interest margin | 3.7625% | 2,703 |
| Noninterest income to average assets | 0.5805% | 2,929 |
| Noninterest expense to average assets | 3.5531% | 1,382 |
| Loan and lease loss provision to assets | 0.0295% | 3,680 |
| Net operating income to assets | 0.4367% | 5,070 |
| Return on assets (ROA) | 0.5105% | 4,862 |
| Pretax return on assets | 0.5621% | 5,089 |
| Return on Equity (ROE) | 4.9937% | 4,675 |
| Retained earnings to average equity (ytd only) | -1.3160% | 5,903 |
| Net charge-offs to loans | 0.0099% | 4,071 |
| Credit loss provision to net charge-offs | 533.3333% | 560 |
| Earnings coverage of net charge-offs (x) | 92.3333% | 590 |
| Efficiency ratio | 87.4376% | 1,141 |
| Assets per employee ($millions) | 3.1587% | 5,488 |
| Cash dividends to net income (ytd only)* | 126.3538% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 2,601 |
| Loan loss allowance to noncurrent loans | 96.6862% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9281% | 3,222 |
| Noncurrent loans to loans | 1.6191% | 2,147 |
| Net loans and leases to total assets | 56.4227% | 4,216 |
| Net loans and leases to deposits | 69.4281% | 3,894 |
| Net loans and leases to core deposits | 73.5292% | 3,888 |
| Total domestic deposits to total assets | 81.2678% | 4,890 |
| Equity capital to assets | 10.2014% | 3,826 |
| Core capital (leverage) ratio | 10.4466% | 3,017 |
| Tier 1 risk-based capital ratio | 15.7753% | 3,210 |
| Total risk-based capital ratio | 17.0270% | 3,146 |
| Memoranda: | ||
| Average total assets | $108,526,000 | 4,478 |
| Average earning assets | $100,465,330 | 4,460 |
| Average equity | $11,094,000 | 4,588 |
| Average total loans | $60,896,330 | 4,523 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 1,582 |
| Cost of funding earning assets | 0.8122% | 703 |
| Net interest margin | 3.7596% | 2,639 |
| Noninterest income to average assets | 0.5283% | 3,203 |
| Noninterest expense to average assets | 3.5717% | 1,358 |
| Loan and lease loss provision to assets | 0.0632% | 2,857 |
| Net operating income to assets | 0.3317% | 5,388 |
| Return on assets (ROA) | 0.5171% | 4,676 |
| Pretax return on assets | 0.5804% | 4,894 |
| Return on Equity (ROE) | 5.0536% | 4,527 |
| Retained earnings to average equity (ytd only) | -7.6713% | 6,273 |
| Net charge-offs to loans | -0.0067% | 4,899 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1365% | 1,116 |
| Assets per employee ($millions) | 3.0565% | 5,767 |
| Cash dividends to net income (ytd only)* | 251.7986% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 2,493 |
| Loan loss allowance to noncurrent loans | 98.3235% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 3,357 |
| Noncurrent loans to loans | 1.6835% | 2,306 |
| Net loans and leases to total assets | 55.3708% | 4,226 |
| Net loans and leases to deposits | 66.1168% | 4,080 |
| Net loans and leases to core deposits | 69.5994% | 4,147 |
| Total domestic deposits to total assets | 83.7470% | 4,366 |
| Equity capital to assets | 10.2368% | 3,555 |
| Core capital (leverage) ratio | 10.1359% | 3,377 |
| Tier 1 risk-based capital ratio | 16.4133% | 2,943 |
| Total risk-based capital ratio | 17.6663% | 2,913 |
| Memoranda: | ||
| Average total assets | $107,512,500 | 4,545 |
| Average earning assets | $99,478,000 | 4,526 |
| Average equity | $11,002,000 | 4,613 |
| Average total loans | $59,660,000 | 4,604 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 1,620 |
| Cost of funding earning assets | 0.9926% | 461 |
| Net interest margin | 3.6885% | 3,103 |
| Noninterest income to average assets | 0.6691% | 2,710 |
| Noninterest expense to average assets | 3.4187% | 1,843 |
| Loan and lease loss provision to assets | -0.0286% | 6,325 |
| Net operating income to assets | 0.5296% | 4,599 |
| Return on assets (ROA) | 0.7082% | 3,841 |
| Pretax return on assets | 0.8723% | 3,881 |
| Return on Equity (ROE) | 6.6329% | 3,757 |
| Retained earnings to average equity (ytd only) | 3.5042% | 3,731 |
| Net charge-offs to loans | 0.0070% | 5,316 |
| Credit loss provision to net charge-offs | -750.0000% | 6,198 |
| Earnings coverage of net charge-offs (x) | 163.2500% | 287 |
| Efficiency ratio | 84.5809% | 1,565 |
| Assets per employee ($millions) | 3.0871% | 5,698 |
| Cash dividends to net income (ytd only)* | 47.1698% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 2,544 |
| Loan loss allowance to noncurrent loans | 86.4841% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 3,321 |
| Noncurrent loans to loans | 1.9158% | 2,101 |
| Net loans and leases to total assets | 53.7817% | 4,611 |
| Net loans and leases to deposits | 62.7057% | 4,648 |
| Net loans and leases to core deposits | 65.5551% | 4,733 |
| Total domestic deposits to total assets | 85.7684% | 3,377 |
| Equity capital to assets | 10.2297% | 3,471 |
| Core capital (leverage) ratio | 10.1183% | 3,401 |
| Tier 1 risk-based capital ratio | 16.5072% | 2,853 |
| Total risk-based capital ratio | 17.7595% | 2,817 |
| Memoranda: | ||
| Average total assets | $104,775,400 | 4,625 |
| Average earning assets | $95,811,800 | 4,625 |
| Average equity | $11,186,600 | 4,602 |
| Average total loans | $56,853,400 | 4,718 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 1,584 |
| Cost of funding earning assets | 1.0214% | 442 |
| Net interest margin | 3.6840% | 3,088 |
| Noninterest income to average assets | 0.7323% | 2,449 |
| Noninterest expense to average assets | 3.5462% | 1,503 |
| Loan and lease loss provision to assets | 0.0321% | 4,371 |
| Net operating income to assets | 0.4423% | 5,057 |
| Return on assets (ROA) | 0.5720% | 4,610 |
| Pretax return on assets | 0.6695% | 4,793 |
| Return on Equity (ROE) | 5.2999% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.1408% | 5,524 |
| Net charge-offs to loans | 0.0142% | 4,847 |
| Credit loss provision to net charge-offs | 416.6667% | 643 |
| Earnings coverage of net charge-offs (x) | 71.3313% | 657 |
| Efficiency ratio | 86.5957% | 1,305 |
| Assets per employee ($millions) | 3.2041% | 5,489 |
| Cash dividends to net income (ytd only)* | 78.4764% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 2,358 |
| Loan loss allowance to noncurrent loans | 95.2030% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 3,666 |
| Noncurrent loans to loans | 1.8720% | 2,407 |
| Net loans and leases to total assets | 52.2076% | 4,853 |
| Net loans and leases to deposits | 60.7360% | 4,897 |
| Net loans and leases to core deposits | 63.4992% | 4,945 |
| Total domestic deposits to total assets | 85.9583% | 3,275 |
| Equity capital to assets | 10.0918% | 3,778 |
| Core capital (leverage) ratio | 9.9668% | 3,720 |
| Tier 1 risk-based capital ratio | 16.3127% | 3,026 |
| Total risk-based capital ratio | 17.5312% | 3,011 |
| Memoranda: | ||
| Average total assets | $103,957,250 | 4,692 |
| Average earning assets | $94,895,500 | 4,694 |
| Average equity | $11,220,000 | 4,641 |
| Average total loans | $56,294,500 | 4,782 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 1,463 |
| Cost of funding earning assets | 1.0349% | 455 |
| Net interest margin | 3.7036% | 2,943 |
| Noninterest income to average assets | 0.7371% | 2,469 |
| Noninterest expense to average assets | 3.5094% | 1,584 |
| Loan and lease loss provision to assets | 0.0489% | 4,003 |
| Net operating income to assets | 0.4641% | 4,957 |
| Return on assets (ROA) | 0.5396% | 4,777 |
| Pretax return on assets | 0.6413% | 4,870 |
| Return on Equity (ROE) | 4.8870% | 4,785 |
| Retained earnings to average equity (ytd only) | -1.3103% | 6,095 |
| Net charge-offs to loans | 0.0251% | 4,346 |
| Credit loss provision to net charge-offs | 357.1429% | 729 |
| Earnings coverage of net charge-offs (x) | 43.8571% | 869 |
| Efficiency ratio | 85.3949% | 1,473 |
| Assets per employee ($millions) | 2.9758% | 5,890 |
| Cash dividends to net income (ytd only)* | 126.8116% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 2,288 |
| Loan loss allowance to noncurrent loans | 93.8980% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 3,636 |
| Noncurrent loans to loans | 1.9603% | 2,443 |
| Net loans and leases to total assets | 52.7891% | 4,770 |
| Net loans and leases to deposits | 62.2356% | 4,707 |
| Net loans and leases to core deposits | 65.0197% | 4,787 |
| Total domestic deposits to total assets | 84.8215% | 3,983 |
| Equity capital to assets | 10.5450% | 3,241 |
| Core capital (leverage) ratio | 10.1917% | 3,245 |
| Tier 1 risk-based capital ratio | 17.1136% | 2,674 |
| Total risk-based capital ratio | 18.3516% | 2,647 |
| Memoranda: | ||
| Average total assets | $102,296,330 | 4,760 |
| Average earning assets | $93,152,000 | 4,775 |
| Average equity | $11,295,330 | 4,663 |
| Average total loans | $55,757,000 | 4,826 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 1,465 |
| Cost of funding earning assets | 1.0487% | 479 |
| Net interest margin | 3.6769% | 2,964 |
| Noninterest income to average assets | 0.7655% | 2,270 |
| Noninterest expense to average assets | 3.4962% | 1,632 |
| Loan and lease loss provision to assets | 0.0592% | 3,648 |
| Net operating income to assets | 0.5142% | 4,594 |
| Return on assets (ROA) | 0.5603% | 4,568 |
| Pretax return on assets | 0.6235% | 4,863 |
| Return on Equity (ROE) | 4.9600% | 4,594 |
| Retained earnings to average equity (ytd only) | -7.2654% | 6,488 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7036% | 1,682 |
| Assets per employee ($millions) | 3.1049% | 5,813 |
| Cash dividends to net income (ytd only)* | 246.4789% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 2,557 |
| Loan loss allowance to noncurrent loans | 99.2271% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.0101% | 3,906 |
| Noncurrent loans to loans | 1.8319% | 2,825 |
| Net loans and leases to total assets | 54.1406% | 4,389 |
| Net loans and leases to deposits | 64.3486% | 4,277 |
| Net loans and leases to core deposits | 67.2539% | 4,386 |
| Total domestic deposits to total assets | 84.1364% | 4,416 |
| Equity capital to assets | 11.1233% | 2,821 |
| Core capital (leverage) ratio | 10.5809% | 2,672 |
| Tier 1 risk-based capital ratio | 16.4297% | 3,050 |
| Total risk-based capital ratio | 17.6833% | 2,995 |
| Memoranda: | ||
| Average total assets | $101,367,500 | 4,829 |
| Average earning assets | $92,687,000 | 4,830 |
| Average equity | $11,451,500 | 4,688 |
| Average total loans | $55,629,000 | 4,869 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9621% | 1,658 |
| Cost of funding earning assets | 1.1526% | 725 |
| Net interest margin | 3.8095% | 3,189 |
| Noninterest income to average assets | 0.9112% | 1,828 |
| Noninterest expense to average assets | 3.3570% | 2,163 |
| Loan and lease loss provision to assets | 0.0493% | 5,201 |
| Net operating income to assets | 0.7643% | 3,441 |
| Return on assets (ROA) | 0.8738% | 3,181 |
| Pretax return on assets | 1.1647% | 2,931 |
| Return on Equity (ROE) | 7.9949% | 3,081 |
| Retained earnings to average equity (ytd only) | 5.7390% | 2,223 |
| Net charge-offs to loans | 0.1142% | 4,537 |
| Credit loss provision to net charge-offs | 79.3651% | 3,854 |
| Earnings coverage of net charge-offs (x) | 17.1905% | 1,520 |
| Efficiency ratio | 75.8636% | 2,771 |
| Assets per employee ($millions) | 3.0386% | 5,956 |
| Cash dividends to net income (ytd only)* | 28.2167% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 2,439 |
| Loan loss allowance to noncurrent loans | 109.2772% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 4,187 |
| Noncurrent loans to loans | 1.6929% | 3,083 |
| Net loans and leases to total assets | 53.5981% | 4,673 |
| Net loans and leases to deposits | 64.0859% | 4,520 |
| Net loans and leases to core deposits | 66.8138% | 4,655 |
| Total domestic deposits to total assets | 83.6348% | 4,480 |
| Equity capital to assets | 11.4746% | 2,471 |
| Core capital (leverage) ratio | 10.6193% | 2,636 |
| Tier 1 risk-based capital ratio | 17.1905% | 2,562 |
| Total risk-based capital ratio | 18.4450% | 2,537 |
| Memoranda: | ||
| Average total assets | $101,401,000 | 4,794 |
| Average earning assets | $93,529,800 | 4,765 |
| Average equity | $11,082,000 | 4,748 |
| Average total loans | $55,165,600 | 4,897 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0079% | 1,678 |
| Cost of funding earning assets | 1.1701% | 796 |
| Net interest margin | 3.8378% | 3,173 |
| Noninterest income to average assets | 0.8628% | 1,972 |
| Noninterest expense to average assets | 3.3554% | 2,115 |
| Loan and lease loss provision to assets | 0.0524% | 5,096 |
| Net operating income to assets | 0.7471% | 3,701 |
| Return on assets (ROA) | 0.8444% | 3,486 |
| Pretax return on assets | 1.1198% | 3,274 |
| Return on Equity (ROE) | 7.8230% | 3,359 |
| Retained earnings to average equity (ytd only) | 4.7861% | 3,525 |
| Net charge-offs to loans | 0.0869% | 4,521 |
| Credit loss provision to net charge-offs | 111.1111% | 2,635 |
| Earnings coverage of net charge-offs (x) | 22.0827% | 1,368 |
| Efficiency ratio | 76.2970% | 2,631 |
| Assets per employee ($millions) | 3.1335% | 5,775 |
| Cash dividends to net income (ytd only)* | 38.8202% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 2,583 |
| Loan loss allowance to noncurrent loans | 105.5328% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.9734% | 4,336 |
| Noncurrent loans to loans | 1.7720% | 3,124 |
| Net loans and leases to total assets | 53.9029% | 4,762 |
| Net loans and leases to deposits | 64.9784% | 4,596 |
| Net loans and leases to core deposits | 67.9674% | 4,726 |
| Total domestic deposits to total assets | 82.9552% | 4,651 |
| Equity capital to assets | 11.3183% | 2,916 |
| Core capital (leverage) ratio | 10.2479% | 3,229 |
| Tier 1 risk-based capital ratio | 16.5455% | 2,968 |
| Total risk-based capital ratio | 17.7995% | 2,940 |
| Memoranda: | ||
| Average total assets | $101,682,750 | 4,833 |
| Average earning assets | $93,662,250 | 4,806 |
| Average equity | $10,976,000 | 4,808 |
| Average total loans | $55,267,500 | 4,941 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 1,586 |
| Cost of funding earning assets | 1.1869% | 868 |
| Net interest margin | 3.8872% | 2,963 |
| Noninterest income to average assets | 0.8517% | 1,962 |
| Noninterest expense to average assets | 3.3225% | 2,246 |
| Loan and lease loss provision to assets | 0.0587% | 4,917 |
| Net operating income to assets | 0.7773% | 3,478 |
| Return on assets (ROA) | 0.8419% | 3,451 |
| Pretax return on assets | 1.1218% | 3,226 |
| Return on Equity (ROE) | 7.9250% | 3,290 |
| Retained earnings to average equity (ytd only) | 3.3175% | 4,393 |
| Net charge-offs to loans | 0.0759% | 4,384 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 26.6190% | 1,157 |
| Efficiency ratio | 75.2216% | 2,860 |
| Assets per employee ($millions) | 3.0848% | 5,882 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 2,771 |
| Loan loss allowance to noncurrent loans | 99.5192% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 4,337 |
| Noncurrent loans to loans | 1.8331% | 3,174 |
| Net loans and leases to total assets | 54.7147% | 4,672 |
| Net loans and leases to deposits | 65.4789% | 4,579 |
| Net loans and leases to core deposits | 68.4196% | 4,737 |
| Total domestic deposits to total assets | 83.5607% | 4,505 |
| Equity capital to assets | 10.8429% | 3,296 |
| Core capital (leverage) ratio | 10.1398% | 3,214 |
| Tier 1 risk-based capital ratio | 16.0810% | 3,128 |
| Total risk-based capital ratio | 17.3349% | 3,090 |
| Memoranda: | ||
| Average total assets | $102,153,330 | 4,851 |
| Average earning assets | $93,692,330 | 4,827 |
| Average equity | $10,851,670 | 4,844 |
| Average total loans | $55,330,330 | 4,975 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 1,607 |
| Cost of funding earning assets | 1.2045% | 962 |
| Net interest margin | 3.8849% | 2,986 |
| Noninterest income to average assets | 0.8287% | 2,036 |
| Noninterest expense to average assets | 3.3030% | 2,274 |
| Loan and lease loss provision to assets | 0.0586% | 4,679 |
| Net operating income to assets | 0.8016% | 3,369 |
| Return on assets (ROA) | 0.8678% | 3,292 |
| Pretax return on assets | 1.1336% | 3,185 |
| Return on Equity (ROE) | 8.2539% | 3,168 |
| Retained earnings to average equity (ytd only) | -1.0410% | 6,159 |
| Net charge-offs to loans | 0.1172% | 3,414 |
| Credit loss provision to net charge-offs | 93.7500% | 2,477 |
| Earnings coverage of net charge-offs (x) | 17.6875% | 1,296 |
| Efficiency ratio | 74.9113% | 2,956 |
| Assets per employee ($millions) | 3.1442% | 5,877 |
| Cash dividends to net income (ytd only)* | 112.6126% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8772% | 2,747 |
| Loan loss allowance to noncurrent loans | 91.9283% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 4,279 |
| Noncurrent loans to loans | 2.0420% | 3,097 |
| Net loans and leases to total assets | 53.2526% | 4,842 |
| Net loans and leases to deposits | 63.6081% | 4,690 |
| Net loans and leases to core deposits | 66.4636% | 4,860 |
| Total domestic deposits to total assets | 83.7198% | 4,625 |
| Equity capital to assets | 10.7054% | 3,262 |
| Core capital (leverage) ratio | 9.8123% | 3,625 |
| Tier 1 risk-based capital ratio | 15.6250% | 3,379 |
| Total risk-based capital ratio | 16.8797% | 3,344 |
| Memoranda: | ||
| Average total assets | $102,330,500 | 4,881 |
| Average earning assets | $94,315,000 | 4,844 |
| Average equity | $10,758,500 | 4,870 |
| Average total loans | $54,628,500 | 5,038 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 2,264 |
| Cost of funding earning assets | 1.4141% | 977 |
| Net interest margin | 3.7320% | 4,148 |
| Noninterest income to average assets | 0.7596% | 2,284 |
| Noninterest expense to average assets | 3.3034% | 2,512 |
| Loan and lease loss provision to assets | 0.0643% | 5,809 |
| Net operating income to assets | 0.6971% | 3,508 |
| Return on assets (ROA) | 0.7912% | 3,243 |
| Pretax return on assets | 0.9890% | 3,279 |
| Return on Equity (ROE) | 7.8394% | 2,991 |
| Retained earnings to average equity (ytd only) | 5.3896% | 2,381 |
| Net charge-offs to loans | 0.0808% | 5,514 |
| Credit loss provision to net charge-offs | 144.4444% | 1,996 |
| Earnings coverage of net charge-offs (x) | 21.0222% | 1,110 |
| Efficiency ratio | 77.9281% | 2,597 |
| Assets per employee ($millions) | 3.1530% | 5,803 |
| Cash dividends to net income (ytd only)* | 31.2500% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,639 |
| Loan loss allowance to noncurrent loans | 92.0179% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 4,475 |
| Noncurrent loans to loans | 2.0401% | 3,156 |
| Net loans and leases to total assets | 51.5406% | 5,381 |
| Net loans and leases to deposits | 61.5574% | 5,301 |
| Net loans and leases to core deposits | 64.0384% | 5,461 |
| Total domestic deposits to total assets | 83.7277% | 4,439 |
| Equity capital to assets | 10.3279% | 3,745 |
| Core capital (leverage) ratio | 8.9868% | 4,812 |
| Tier 1 risk-based capital ratio | 15.3617% | 3,413 |
| Total risk-based capital ratio | 16.6162% | 3,362 |
| Memoranda: | ||
| Average total assets | $101,109,000 | 4,863 |
| Average earning assets | $94,265,200 | 4,804 |
| Average equity | $10,204,800 | 4,965 |
| Average total loans | $55,701,800 | 5,041 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 2,405 |
| Cost of funding earning assets | 1.4618% | 982 |
| Net interest margin | 3.6837% | 4,413 |
| Noninterest income to average assets | 0.7226% | 2,469 |
| Noninterest expense to average assets | 3.3580% | 2,319 |
| Loan and lease loss provision to assets | 0.0863% | 5,367 |
| Net operating income to assets | 0.5893% | 4,134 |
| Return on assets (ROA) | 0.7173% | 3,693 |
| Pretax return on assets | 0.8807% | 3,842 |
| Return on Equity (ROE) | 7.1501% | 3,452 |
| Retained earnings to average equity (ytd only) | 3.8399% | 3,995 |
| Net charge-offs to loans | 0.0858% | 5,112 |
| Credit loss provision to net charge-offs | 180.5556% | 1,649 |
| Earnings coverage of net charge-offs (x) | 16.9163% | 1,373 |
| Efficiency ratio | 80.5865% | 2,173 |
| Assets per employee ($millions) | 3.0386% | 6,033 |
| Cash dividends to net income (ytd only)* | 46.2971% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 2,725 |
| Loan loss allowance to noncurrent loans | 64.5262% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.5270% | 3,812 |
| Noncurrent loans to loans | 2.8923% | 2,415 |
| Net loans and leases to total assets | 51.1721% | 5,558 |
| Net loans and leases to deposits | 60.6326% | 5,561 |
| Net loans and leases to core deposits | 63.8157% | 5,633 |
| Total domestic deposits to total assets | 84.3969% | 4,055 |
| Equity capital to assets | 9.8786% | 4,507 |
| Core capital (leverage) ratio | 9.2073% | 4,621 |
| Tier 1 risk-based capital ratio | 14.2942% | 4,129 |
| Total risk-based capital ratio | 15.5476% | 4,092 |
| Memoranda: | ||
| Average total assets | $100,374,250 | 4,920 |
| Average earning assets | $93,852,250 | 4,853 |
| Average equity | $10,069,500 | 5,020 |
| Average total loans | $55,964,000 | 5,080 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 2,147 |
| Cost of funding earning assets | 1.5073% | 985 |
| Net interest margin | 3.7226% | 4,164 |
| Noninterest income to average assets | 0.7176% | 2,446 |
| Noninterest expense to average assets | 3.3705% | 2,341 |
| Loan and lease loss provision to assets | 0.1016% | 5,038 |
| Net operating income to assets | 0.5514% | 4,304 |
| Return on assets (ROA) | 0.6871% | 3,732 |
| Pretax return on assets | 0.9107% | 3,578 |
| Return on Equity (ROE) | 6.8118% | 3,524 |
| Retained earnings to average equity (ytd only) | 1.7735% | 5,108 |
| Net charge-offs to loans | 0.1354% | 4,391 |
| Credit loss provision to net charge-offs | 131.5789% | 2,321 |
| Earnings coverage of net charge-offs (x) | 10.7632% | 1,771 |
| Efficiency ratio | 80.2129% | 2,361 |
| Assets per employee ($millions) | 3.0542% | 5,968 |
| Cash dividends to net income (ytd only)* | 73.9645% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8420% | 2,854 |
| Loan loss allowance to noncurrent loans | 56.4302% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.8097% | 3,492 |
| Noncurrent loans to loans | 3.2642% | 2,190 |
| Net loans and leases to total assets | 53.8238% | 5,316 |
| Net loans and leases to deposits | 62.9266% | 5,400 |
| Net loans and leases to core deposits | 66.3580% | 5,468 |
| Total domestic deposits to total assets | 85.5343% | 3,607 |
| Equity capital to assets | 10.0952% | 4,023 |
| Core capital (leverage) ratio | 9.5844% | 3,836 |
| Tier 1 risk-based capital ratio | 14.6925% | 3,677 |
| Total risk-based capital ratio | 15.9456% | 3,640 |
| Memoranda: | ||
| Average total assets | $98,382,000 | 5,008 |
| Average earning assets | $92,085,670 | 4,933 |
| Average equity | $9,924,000 | 5,067 |
| Average total loans | $56,133,000 | 5,114 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 2,026 |
| Cost of funding earning assets | 1.5334% | 1,040 |
| Net interest margin | 3.7220% | 3,989 |
| Noninterest income to average assets | 0.7656% | 2,189 |
| Noninterest expense to average assets | 3.4082% | 2,262 |
| Loan and lease loss provision to assets | 0.0988% | 4,772 |
| Net operating income to assets | 0.6426% | 3,790 |
| Return on assets (ROA) | 0.6668% | 3,749 |
| Pretax return on assets | 0.7944% | 3,920 |
| Return on Equity (ROE) | 6.6133% | 3,570 |
| Retained earnings to average equity (ytd only) | -3.5924% | 6,372 |
| Net charge-offs to loans | 0.1131% | 3,853 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 13.1250% | 1,458 |
| Efficiency ratio | 79.7688% | 2,574 |
| Assets per employee ($millions) | 3.4028% | 5,232 |
| Cash dividends to net income (ytd only)* | 154.3210% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8044% | 2,999 |
| Loan loss allowance to noncurrent loans | 47.0971% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 2.2020% | 3,060 |
| Noncurrent loans to loans | 3.8312% | 1,918 |
| Net loans and leases to total assets | 55.9190% | 5,005 |
| Net loans and leases to deposits | 65.1869% | 5,097 |
| Net loans and leases to core deposits | 68.7909% | 5,192 |
| Total domestic deposits to total assets | 85.7826% | 3,648 |
| Equity capital to assets | 9.9076% | 3,893 |
| Core capital (leverage) ratio | 9.6443% | 3,600 |
| Tier 1 risk-based capital ratio | 14.6990% | 3,612 |
| Total risk-based capital ratio | 15.9532% | 3,564 |
| Memoranda: | ||
| Average total assets | $97,178,000 | 5,078 |
| Average earning assets | $91,564,000 | 4,984 |
| Average equity | $9,798,500 | 5,093 |
| Average total loans | $56,566,000 | 5,151 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6926% | 1,595 |
| Cost of funding earning assets | 1.8282% | 1,063 |
| Net interest margin | 3.8644% | 3,668 |
| Noninterest income to average assets | 1.3765% | 769 |
| Noninterest expense to average assets | 3.4512% | 2,299 |
| Loan and lease loss provision to assets | 0.1474% | 5,717 |
| Net operating income to assets | 1.0682% | 1,811 |
| Return on assets (ROA) | 1.0682% | 1,900 |
| Pretax return on assets | 1.3922% | 1,682 |
| Return on Equity (ROE) | 10.6394% | 1,714 |
| Retained earnings to average equity (ytd only) | 8.0368% | 969 |
| Net charge-offs to loans | 0.1328% | 5,579 |
| Credit loss provision to net charge-offs | 183.1169% | 1,799 |
| Earnings coverage of net charge-offs (x) | 19.1299% | 1,077 |
| Efficiency ratio | 69.1518% | 4,348 |
| Assets per employee ($millions) | 3.1891% | 5,698 |
| Cash dividends to net income (ytd only)* | 24.4618% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 2,975 |
| Loan loss allowance to noncurrent loans | 67.8138% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.5699% | 3,949 |
| Noncurrent loans to loans | 2.6029% | 2,924 |
| Net loans and leases to total assets | 58.4600% | 4,959 |
| Net loans and leases to deposits | 68.9136% | 4,969 |
| Net loans and leases to core deposits | 73.1229% | 5,082 |
| Total domestic deposits to total assets | 84.8308% | 3,936 |
| Equity capital to assets | 10.2640% | 3,428 |
| Core capital (leverage) ratio | 10.0455% | 3,035 |
| Tier 1 risk-based capital ratio | 14.9107% | 3,301 |
| Total risk-based capital ratio | 16.1645% | 3,250 |
| Memoranda: | ||
| Average total assets | $95,676,600 | 5,104 |
| Average earning assets | $89,484,600 | 5,036 |
| Average equity | $9,605,800 | 5,234 |
| Average total loans | $57,961,400 | 5,158 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7223% | 1,634 |
| Cost of funding earning assets | 1.8801% | 1,086 |
| Net interest margin | 3.8422% | 3,785 |
| Noninterest income to average assets | 1.2305% | 910 |
| Noninterest expense to average assets | 3.3278% | 2,491 |
| Loan and lease loss provision to assets | 0.1770% | 5,267 |
| Net operating income to assets | 1.0834% | 1,953 |
| Return on assets (ROA) | 1.1817% | 1,737 |
| Pretax return on assets | 1.4340% | 1,787 |
| Return on Equity (ROE) | 11.8364% | 1,549 |
| Retained earnings to average equity (ytd only) | 8.3468% | 1,294 |
| Net charge-offs to loans | 0.1031% | 5,502 |
| Credit loss provision to net charge-offs | 282.2222% | 1,150 |
| Earnings coverage of net charge-offs (x) | 23.7772% | 1,050 |
| Efficiency ratio | 69.0573% | 4,255 |
| Assets per employee ($millions) | 3.2672% | 5,547 |
| Cash dividends to net income (ytd only)* | 29.4815% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 2,998 |
| Loan loss allowance to noncurrent loans | 84.1283% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 4,479 |
| Noncurrent loans to loans | 2.0787% | 3,591 |
| Net loans and leases to total assets | 58.6400% | 5,162 |
| Net loans and leases to deposits | 69.1890% | 5,250 |
| Net loans and leases to core deposits | 72.0512% | 5,505 |
| Total domestic deposits to total assets | 84.7534% | 3,748 |
| Equity capital to assets | 10.2841% | 3,789 |
| Core capital (leverage) ratio | 10.0901% | 3,161 |
| Tier 1 risk-based capital ratio | 14.5969% | 3,460 |
| Total risk-based capital ratio | 15.8507% | 3,428 |
| Memoranda: | ||
| Average total assets | $95,677,250 | 5,170 |
| Average earning assets | $89,355,250 | 5,097 |
| Average equity | $9,552,250 | 5,329 |
| Average total loans | $58,217,750 | 5,221 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7516% | 1,549 |
| Cost of funding earning assets | 1.9563% | 1,024 |
| Net interest margin | 3.7953% | 3,916 |
| Noninterest income to average assets | 0.7482% | 2,406 |
| Noninterest expense to average assets | 3.4079% | 2,241 |
| Loan and lease loss provision to assets | 0.2360% | 4,556 |
| Net operating income to assets | 0.6639% | 3,563 |
| Return on assets (ROA) | 0.8620% | 2,824 |
| Pretax return on assets | 0.8472% | 3,718 |
| Return on Equity (ROE) | 8.7241% | 2,573 |
| Retained earnings to average equity (ytd only) | 3.3915% | 3,951 |
| Net charge-offs to loans | 0.1342% | 4,871 |
| Credit loss provision to net charge-offs | 287.1795% | 1,295 |
| Earnings coverage of net charge-offs (x) | 10.7692% | 1,843 |
| Efficiency ratio | 79.3814% | 2,518 |
| Assets per employee ($millions) | 3.0343% | 6,072 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 2,920 |
| Loan loss allowance to noncurrent loans | 43.3148% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 2.5972% | 2,792 |
| Noncurrent loans to loans | 4.0285% | 1,877 |
| Net loans and leases to total assets | 60.7015% | 4,930 |
| Net loans and leases to deposits | 71.3543% | 5,099 |
| Net loans and leases to core deposits | 74.4585% | 5,394 |
| Total domestic deposits to total assets | 85.0705% | 3,588 |
| Equity capital to assets | 10.0296% | 3,985 |
| Core capital (leverage) ratio | 9.7869% | 3,425 |
| Tier 1 risk-based capital ratio | 14.3930% | 3,496 |
| Total risk-based capital ratio | 15.6471% | 3,461 |
| Memoranda: | ||
| Average total assets | $94,898,000 | 5,220 |
| Average earning assets | $88,635,670 | 5,150 |
| Average equity | $9,376,330 | 5,386 |
| Average total loans | $58,124,000 | 5,267 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7556% | 1,606 |
| Cost of funding earning assets | 2.0308% | 998 |
| Net interest margin | 3.7247% | 4,124 |
| Noninterest income to average assets | 0.8267% | 1,900 |
| Noninterest expense to average assets | 3.5083% | 1,958 |
| Loan and lease loss provision to assets | 0.3147% | 3,533 |
| Net operating income to assets | 0.7302% | 3,301 |
| Return on assets (ROA) | 0.9316% | 2,490 |
| Pretax return on assets | 0.6840% | 4,294 |
| Return on Equity (ROE) | 9.4999% | 2,291 |
| Retained earnings to average equity (ytd only) | -1.1982% | 6,079 |
| Net charge-offs to loans | 0.3991% | 2,848 |
| Credit loss provision to net charge-offs | 129.3103% | 2,734 |
| Earnings coverage of net charge-offs (x) | 3.2759% | 2,954 |
| Efficiency ratio | 81.4815% | 2,353 |
| Assets per employee ($millions) | 3.1431% | 5,896 |
| Cash dividends to net income (ytd only)* | 112.6126% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 3,220 |
| Loan loss allowance to noncurrent loans | 37.4951% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 2.8338% | 2,557 |
| Noncurrent loans to loans | 4.4197% | 1,702 |
| Net loans and leases to total assets | 60.2936% | 5,072 |
| Net loans and leases to deposits | 70.6271% | 5,248 |
| Net loans and leases to core deposits | 74.2426% | 5,481 |
| Total domestic deposits to total assets | 85.3689% | 3,477 |
| Equity capital to assets | 9.8259% | 4,078 |
| Core capital (leverage) ratio | 9.4681% | 3,820 |
| Tier 1 risk-based capital ratio | 14.7877% | 3,211 |
| Total risk-based capital ratio | 16.0423% | 3,170 |
| Memoranda: | ||
| Average total assets | $95,316,000 | 5,277 |
| Average earning assets | $89,027,000 | 5,191 |
| Average equity | $9,347,500 | 5,440 |
| Average total loans | $58,130,500 | 5,332 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1061% | 1,500 |
| Cost of funding earning assets | 2.3274% | 1,547 |
| Net interest margin | 3.7786% | 3,804 |
| Noninterest income to average assets | 1.0604% | 1,374 |
| Noninterest expense to average assets | 3.2845% | 3,066 |
| Loan and lease loss provision to assets | 0.2981% | 5,048 |
| Net operating income to assets | 0.7891% | 2,572 |
| Return on assets (ROA) | 0.8964% | 2,257 |
| Pretax return on assets | 1.1573% | 2,075 |
| Return on Equity (ROE) | 9.4967% | 1,857 |
| Retained earnings to average equity (ytd only) | 6.6770% | 1,084 |
| Net charge-offs to loans | 0.3099% | 4,694 |
| Credit loss provision to net charge-offs | 152.1739% | 3,023 |
| Earnings coverage of net charge-offs (x) | 6.7174% | 2,304 |
| Efficiency ratio | 71.3955% | 4,369 |
| Assets per employee ($millions) | 3.3221% | 5,451 |
| Cash dividends to net income (ytd only)* | 29.6912% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 3,256 |
| Loan loss allowance to noncurrent loans | 35.0093% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 2.9095% | 2,409 |
| Noncurrent loans to loans | 4.5936% | 1,535 |
| Net loans and leases to total assets | 59.6959% | 5,380 |
| Net loans and leases to deposits | 69.8203% | 5,629 |
| Net loans and leases to core deposits | 85.4801% | 5,576 |
| Total domestic deposits to total assets | 85.4993% | 3,292 |
| Equity capital to assets | 9.7882% | 4,019 |
| Core capital (leverage) ratio | 9.3990% | 3,834 |
| Tier 1 risk-based capital ratio | 15.1589% | 2,864 |
| Total risk-based capital ratio | 16.4126% | 2,821 |
| Memoranda: | ||
| Average total assets | $93,926,800 | 5,271 |
| Average earning assets | $87,994,400 | 5,197 |
| Average equity | $8,866,200 | 5,647 |
| Average total loans | $59,372,400 | 5,279 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2196% | 1,322 |
| Cost of funding earning assets | 2.3784% | 1,706 |
| Net interest margin | 3.8412% | 3,471 |
| Noninterest income to average assets | 1.1158% | 1,270 |
| Noninterest expense to average assets | 3.3188% | 2,840 |
| Loan and lease loss provision to assets | 0.3072% | 4,515 |
| Net operating income to assets | 0.8378% | 2,666 |
| Return on assets (ROA) | 0.9544% | 2,278 |
| Pretax return on assets | 1.2430% | 2,130 |
| Return on Equity (ROE) | 10.2076% | 1,843 |
| Retained earnings to average equity (ytd only) | 6.3874% | 1,774 |
| Net charge-offs to loans | 0.1655% | 5,066 |
| Credit loss provision to net charge-offs | 290.5405% | 1,431 |
| Earnings coverage of net charge-offs (x) | 13.2303% | 1,690 |
| Efficiency ratio | 70.3513% | 4,523 |
| Assets per employee ($millions) | 3.3326% | 5,299 |
| Cash dividends to net income (ytd only)* | 37.4259% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 2,834 |
| Loan loss allowance to noncurrent loans | 73.5624% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.5159% | 4,099 |
| Noncurrent loans to loans | 2.2338% | 3,342 |
| Net loans and leases to total assets | 61.0057% | 5,425 |
| Net loans and leases to deposits | 69.9993% | 5,917 |
| Net loans and leases to core deposits | 85.4206% | 5,929 |
| Total domestic deposits to total assets | 87.1519% | 2,103 |
| Equity capital to assets | 9.6032% | 4,615 |
| Core capital (leverage) ratio | 9.2665% | 4,238 |
| Tier 1 risk-based capital ratio | 13.9219% | 3,593 |
| Total risk-based capital ratio | 15.1756% | 3,537 |
| Memoranda: | ||
| Average total assets | $93,323,500 | 5,322 |
| Average earning assets | $87,506,250 | 5,246 |
| Average equity | $8,725,250 | 5,744 |
| Average total loans | $59,602,750 | 5,306 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2564% | 1,318 |
| Cost of funding earning assets | 2.4166% | 1,899 |
| Net interest margin | 3.8398% | 3,371 |
| Noninterest income to average assets | 1.1343% | 1,221 |
| Noninterest expense to average assets | 3.3074% | 2,924 |
| Loan and lease loss provision to assets | 0.3036% | 4,137 |
| Net operating income to assets | 0.8567% | 2,627 |
| Return on assets (ROA) | 1.0215% | 2,121 |
| Pretax return on assets | 1.3447% | 1,894 |
| Return on Equity (ROE) | 11.0304% | 1,692 |
| Retained earnings to average equity (ytd only) | 5.1756% | 2,410 |
| Net charge-offs to loans | 0.1076% | 5,084 |
| Credit loss provision to net charge-offs | 437.5000% | 1,061 |
| Earnings coverage of net charge-offs (x) | 20.6250% | 1,308 |
| Efficiency ratio | 69.7941% | 4,822 |
| Assets per employee ($millions) | 3.4025% | 5,056 |
| Cash dividends to net income (ytd only)* | 53.0786% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 2,767 |
| Loan loss allowance to noncurrent loans | 68.9356% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5818% | 3,842 |
| Noncurrent loans to loans | 2.3139% | 3,124 |
| Net loans and leases to total assets | 61.6469% | 5,415 |
| Net loans and leases to deposits | 70.9972% | 5,868 |
| Net loans and leases to core deposits | 87.2713% | 5,788 |
| Total domestic deposits to total assets | 86.8301% | 2,342 |
| Equity capital to assets | 9.1277% | 5,126 |
| Core capital (leverage) ratio | 9.3566% | 4,086 |
| Tier 1 risk-based capital ratio | 13.8343% | 3,609 |
| Total risk-based capital ratio | 15.0872% | 3,548 |
| Memoranda: | ||
| Average total assets | $92,216,330 | 5,399 |
| Average earning assets | $86,567,670 | 5,315 |
| Average equity | $8,540,000 | 5,834 |
| Average total loans | $59,489,000 | 5,354 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3644% | 1,145 |
| Cost of funding earning assets | 2.4662% | 2,046 |
| Net interest margin | 3.8982% | 3,049 |
| Noninterest income to average assets | 1.0321% | 1,398 |
| Noninterest expense to average assets | 3.3212% | 2,595 |
| Loan and lease loss provision to assets | 0.2867% | 3,664 |
| Net operating income to assets | 0.8438% | 2,936 |
| Return on assets (ROA) | 1.1291% | 1,993 |
| Pretax return on assets | 1.4687% | 1,759 |
| Return on Equity (ROE) | 12.1012% | 1,631 |
| Retained earnings to average equity (ytd only) | 0.2836% | 5,542 |
| Net charge-offs to loans | 0.3098% | 2,869 |
| Credit loss provision to net charge-offs | 141.3043% | 2,891 |
| Earnings coverage of net charge-offs (x) | 6.8261% | 2,433 |
| Efficiency ratio | 70.5717% | 4,460 |
| Assets per employee ($millions) | 3.2954% | 5,329 |
| Cash dividends to net income (ytd only)* | 97.6563% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 3,271 |
| Loan loss allowance to noncurrent loans | 52.9773% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.7655% | 3,276 |
| Noncurrent loans to loans | 2.7228% | 2,411 |
| Net loans and leases to total assets | 63.9048% | 5,008 |
| Net loans and leases to deposits | 73.5711% | 5,532 |
| Net loans and leases to core deposits | 90.6262% | 5,495 |
| Total domestic deposits to total assets | 86.8614% | 2,287 |
| Equity capital to assets | 9.1276% | 5,187 |
| Core capital (leverage) ratio | 8.5673% | 5,400 |
| Tier 1 risk-based capital ratio | 12.6090% | 4,464 |
| Total risk-based capital ratio | 13.8607% | 4,386 |
| Memoranda: | ||
| Average total assets | $90,689,500 | 5,462 |
| Average earning assets | $85,475,500 | 5,382 |
| Average equity | $8,462,000 | 5,894 |
| Average total loans | $59,392,000 | 5,384 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9042% | 1,381 |
| Cost of funding earning assets | 2.9457% | 2,075 |
| Net interest margin | 3.9586% | 3,315 |
| Noninterest income to average assets | 0.7140% | 3,030 |
| Noninterest expense to average assets | 3.1574% | 3,491 |
| Loan and lease loss provision to assets | 0.3280% | 3,765 |
| Net operating income to assets | 0.9331% | 2,861 |
| Return on assets (ROA) | 0.4393% | 4,815 |
| Pretax return on assets | 0.4358% | 5,169 |
| Return on Equity (ROE) | 4.4782% | 4,608 |
| Retained earnings to average equity (ytd only) | 0.3427% | 5,036 |
| Net charge-offs to loans | 0.3081% | 3,338 |
| Credit loss provision to net charge-offs | 154.6448% | 3,374 |
| Earnings coverage of net charge-offs (x) | 5.9290% | 3,486 |
| Efficiency ratio | 71.5148% | 4,033 |
| Assets per employee ($millions) | 3.3003% | 5,209 |
| Cash dividends to net income (ytd only)* | 92.3483% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 3,022 |
| Loan loss allowance to noncurrent loans | 68.0645% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 3,367 |
| Noncurrent loans to loans | 2.1033% | 2,627 |
| Net loans and leases to total assets | 65.2145% | 5,011 |
| Net loans and leases to deposits | 75.6342% | 5,630 |
| Net loans and leases to core deposits | 98.7795% | 4,952 |
| Total domestic deposits to total assets | 86.2236% | 2,303 |
| Equity capital to assets | 9.5411% | 4,622 |
| Core capital (leverage) ratio | 9.0362% | 4,690 |
| Tier 1 risk-based capital ratio | 13.4926% | 3,826 |
| Total risk-based capital ratio | 14.7444% | 3,723 |
| Memoranda: | ||
| Average total assets | $86,272,400 | 5,473 |
| Average earning assets | $80,660,800 | 5,413 |
| Average equity | $8,463,200 | 5,917 |
| Average total loans | $59,391,000 | 5,296 |