Home > Oxford University Bank > Performance and Condition Ratios
Oxford University Bank, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1583% | 2,643 |
| Cost of funding earning assets | 1.2548% | 3,703 |
| Net interest margin | 3.9036% | 1,272 |
| Noninterest income to average assets | 0.2700% | 3,207 |
| Noninterest expense to average assets | 1.7420% | 4,023 |
| Loan and lease loss provision to assets | 1.2500% | 51 |
| Net operating income to assets | 0.5439% | 3,318 |
| Return on assets (ROA) | 0.5439% | 3,348 |
| Pretax return on assets | 0.7004% | 3,231 |
| Return on Equity (ROE) | 5.3500% | 3,438 |
| Retained earnings to average equity (ytd only) | 5.3519% | 2,227 |
| Net charge-offs to loans | 0.0161% | 1,853 |
| Credit loss provision to net charge-offs | 10,378.5714% | 42 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 578 |
| Efficiency ratio | 47.1637% | 4,143 |
| Assets per employee ($millions) | 6.6157% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 1,732 |
| Loan loss allowance to noncurrent loans | 236.9703% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 1,573 |
| Noncurrent loans to loans | 0.5488% | 1,639 |
| Net loans and leases to total assets | 73.3200% | 1,495 |
| Net loans and leases to deposits | 82.4092% | 1,989 |
| Net loans and leases to core deposits | 91.3511% | 2,057 |
| Total domestic deposits to total assets | 88.9700% | 1,020 |
| Equity capital to assets | 9.5271% | 2,371 |
| Core capital (leverage) ratio | 8.6236% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0002% | 2,570 |
| Memoranda: | ||
| Average total assets | $233,865,667 | 2,779 |
| Average earning assets | $205,299,667 | 2,848 |
| Average equity | $23,767,333 | 2,661 |
| Average total loans | $173,398,667 | 2,544 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4550% | 4,557 |
| Cost of funding earning assets | 0.5754% | 4,327 |
| Net interest margin | 1.8796% | 4,362 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 0.7846% | 4,501 |
| Loan and lease loss provision to assets | 2.4700% | 27 |
| Net operating income to assets | -1.5335% | 4,542 |
| Return on assets (ROA) | -1.5335% | 4,535 |
| Pretax return on assets | -1.4722% | 4,526 |
| Return on Equity (ROE) | -14.6400% | 4,506 |
| Retained earnings to average equity (ytd only) | -14.6379% | 4,390 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 43.9466% | 4,240 |
| Assets per employee ($millions) | 6.9400% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 1,678 |
| Loan loss allowance to noncurrent loans | 477.9193% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 2,395 |
| Noncurrent loans to loans | 0.2767% | 2,320 |
| Net loans and leases to total assets | 69.1400% | 1,897 |
| Net loans and leases to deposits | 86.3637% | 1,504 |
| Net loans and leases to core deposits | 96.2188% | 1,630 |
| Total domestic deposits to total assets | 80.0600% | 3,512 |
| Equity capital to assets | 9.5698% | 2,274 |
| Core capital (leverage) ratio | 7.8815% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1295% | 2,784 |
| Memoranda: | ||
| Average total assets | $235,023,500 | 2,782 |
| Average earning assets | $205,786,000 | 2,850 |
| Average equity | $24,621,000 | 2,620 |
| Average total loans | $174,091,000 | 2,541 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9145% | 2,244 |
| Cost of funding earning assets | 1.6781% | 1,497 |
| Net interest margin | 3.2364% | 2,780 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.7043% | 1,727 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6290% | 3,365 |
| Return on assets (ROA) | 0.6290% | 3,343 |
| Pretax return on assets | 0.8040% | 3,204 |
| Return on Equity (ROE) | 5.6700% | 3,590 |
| Retained earnings to average equity (ytd only) | 3.8566% | 3,010 |
| Net charge-offs to loans | 0.0989% | 917 |
| Credit loss provision to net charge-offs | 28.2353% | 2,282 |
| Earnings coverage of net charge-offs (x) | 11.4941% | 2,188 |
| Efficiency ratio | 75.6511% | 1,281 |
| Assets per employee ($millions) | 6.4899% | 2,421 |
| Cash dividends to net income (ytd only)* | 31.9405% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,188 |
| Loan loss allowance to noncurrent loans | 1,141.0526% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 2,985 |
| Noncurrent loans to loans | 0.1068% | 3,003 |
| Net loans and leases to total assets | 77.4000% | 926 |
| Net loans and leases to deposits | 102.9302% | 404 |
| Net loans and leases to core deposits | 114.6674% | 792 |
| Total domestic deposits to total assets | 75.2000% | 4,012 |
| Equity capital to assets | 11.4450% | 1,306 |
| Core capital (leverage) ratio | 12.4846% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $224,497,800 | 2,819 |
| Average earning assets | $205,473,000 | 2,825 |
| Average equity | $24,918,000 | 2,525 |
| Average total loans | $171,899,200 | 2,510 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 2,322 |
| Cost of funding earning assets | 1.6083% | 1,355 |
| Net interest margin | 3.1652% | 2,990 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.6519% | 1,794 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.4688% | 3,829 |
| Return on assets (ROA) | 0.4688% | 3,830 |
| Pretax return on assets | 0.5772% | 3,777 |
| Return on Equity (ROE) | 4.2600% | 3,943 |
| Retained earnings to average equity (ytd only) | 1.8175% | 3,768 |
| Net charge-offs to loans | 0.0102% | 2,019 |
| Credit loss provision to net charge-offs | 369.2308% | 758 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 1,000 |
| Efficiency ratio | 79.9282% | 860 |
| Assets per employee ($millions) | 6.6787% | 2,197 |
| Cash dividends to net income (ytd only)* | 57.3062% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,681 |
| Loan loss allowance to noncurrent loans | 2,553.8462% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 3,396 |
| Noncurrent loans to loans | 0.0526% | 3,375 |
| Net loans and leases to total assets | 75.1700% | 1,216 |
| Net loans and leases to deposits | 97.1731% | 668 |
| Net loans and leases to core deposits | 108.9007% | 913 |
| Total domestic deposits to total assets | 77.3600% | 3,893 |
| Equity capital to assets | 10.7132% | 1,471 |
| Core capital (leverage) ratio | 12.1731% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $223,835,500 | 2,836 |
| Average earning assets | $204,678,000 | 2,845 |
| Average equity | $24,648,250 | 2,530 |
| Average total loans | $170,378,250 | 2,527 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 2,395 |
| Cost of funding earning assets | 1.4710% | 1,298 |
| Net interest margin | 3.1404% | 3,134 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.5930% | 1,945 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.5055% | 3,799 |
| Return on assets (ROA) | 0.5055% | 3,807 |
| Pretax return on assets | 0.6168% | 3,767 |
| Return on Equity (ROE) | 4.5500% | 3,948 |
| Retained earnings to average equity (ytd only) | 0.9043% | 3,930 |
| Net charge-offs to loans | 0.0177% | 1,556 |
| Credit loss provision to net charge-offs | -146.6667% | 4,553 |
| Earnings coverage of net charge-offs (x) | 50.7333% | 1,282 |
| Efficiency ratio | 79.1450% | 899 |
| Assets per employee ($millions) | 6.4291% | 2,354 |
| Cash dividends to net income (ytd only)* | 80.1066% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 1,924 |
| Loan loss allowance to noncurrent loans | 2,297.9592% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,342 |
| Noncurrent loans to loans | 0.0567% | 3,290 |
| Net loans and leases to total assets | 75.8700% | 1,067 |
| Net loans and leases to deposits | 102.6332% | 410 |
| Net loans and leases to core deposits | 115.1262% | 649 |
| Total domestic deposits to total assets | 73.9200% | 4,197 |
| Equity capital to assets | 10.9542% | 1,406 |
| Core capital (leverage) ratio | 12.2284% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $222,755,333 | 2,851 |
| Average earning assets | $203,538,333 | 2,866 |
| Average equity | $24,769,667 | 2,530 |
| Average total loans | $169,495,000 | 2,529 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 2,387 |
| Cost of funding earning assets | 1.3150% | 1,200 |
| Net interest margin | 3.1549% | 3,223 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.6333% | 1,867 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.4205% | 4,055 |
| Return on assets (ROA) | 0.4205% | 3,998 |
| Pretax return on assets | 0.5415% | 3,932 |
| Return on Equity (ROE) | 3.7500% | 4,080 |
| Retained earnings to average equity (ytd only) | -3.5119% | 4,265 |
| Net charge-offs to loans | 0.0143% | 1,418 |
| Credit loss provision to net charge-offs | 700.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 1,010 |
| Efficiency ratio | 80.0329% | 831 |
| Assets per employee ($millions) | 6.1146% | 2,667 |
| Cash dividends to net income (ytd only)* | 193.5622% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 1,754 |
| Loan loss allowance to noncurrent loans | 894.2308% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 2,718 |
| Noncurrent loans to loans | 0.1528% | 2,728 |
| Net loans and leases to total assets | 74.1700% | 1,183 |
| Net loans and leases to deposits | 97.9986% | 540 |
| Net loans and leases to core deposits | 109.3911% | 722 |
| Total domestic deposits to total assets | 75.6900% | 4,177 |
| Equity capital to assets | 10.9389% | 1,366 |
| Core capital (leverage) ratio | 12.2795% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $221,624,000 | 2,899 |
| Average earning assets | $201,970,000 | 2,918 |
| Average equity | $24,830,000 | 2,557 |
| Average total loans | $167,758,500 | 2,564 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 1,490 |
| Cost of funding earning assets | 0.4548% | 1,684 |
| Net interest margin | 3.6391% | 1,522 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.5425% | 1,987 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9783% | 2,644 |
| Return on assets (ROA) | 0.9783% | 2,594 |
| Pretax return on assets | 1.2560% | 2,259 |
| Return on Equity (ROE) | 9.1700% | 3,076 |
| Retained earnings to average equity (ytd only) | 6.9335% | 2,268 |
| Net charge-offs to loans | 0.0193% | 1,714 |
| Credit loss provision to net charge-offs | 406.6667% | 769 |
| Earnings coverage of net charge-offs (x) | 94.5333% | 997 |
| Efficiency ratio | 65.9544% | 2,231 |
| Assets per employee ($millions) | 6.2003% | 2,591 |
| Cash dividends to net income (ytd only)* | 24.3614% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,380 |
| Loan loss allowance to noncurrent loans | 2,481.2500% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,430 |
| Noncurrent loans to loans | 0.0484% | 3,408 |
| Net loans and leases to total assets | 75.3000% | 1,089 |
| Net loans and leases to deposits | 94.2537% | 765 |
| Net loans and leases to core deposits | 103.6900% | 832 |
| Total domestic deposits to total assets | 79.8900% | 3,891 |
| Equity capital to assets | 11.4797% | 1,092 |
| Core capital (leverage) ratio | 12.6932% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $216,088,400 | 2,936 |
| Average earning assets | $199,859,400 | 2,940 |
| Average equity | $23,061,800 | 2,698 |
| Average total loans | $155,654,600 | 2,584 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 1,228 |
| Cost of funding earning assets | 0.3712% | 1,514 |
| Net interest margin | 3.6498% | 1,270 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.4120% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1470% | 1,903 |
| Return on assets (ROA) | 1.1470% | 1,875 |
| Pretax return on assets | 1.4793% | 1,470 |
| Return on Equity (ROE) | 10.9600% | 2,392 |
| Retained earnings to average equity (ytd only) | 7.9175% | 2,034 |
| Net charge-offs to loans | 0.0087% | 1,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 239.5000% | 556 |
| Efficiency ratio | 61.9841% | 2,825 |
| Assets per employee ($millions) | 7.3017% | 1,751 |
| Cash dividends to net income (ytd only)* | 27.7329% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,692 |
| Loan loss allowance to noncurrent loans | 1,458.9147% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 3,303 |
| Noncurrent loans to loans | 0.0802% | 3,303 |
| Net loans and leases to total assets | 72.5500% | 1,224 |
| Net loans and leases to deposits | 82.8618% | 1,373 |
| Net loans and leases to core deposits | 90.4208% | 1,272 |
| Total domestic deposits to total assets | 87.5600% | 2,572 |
| Equity capital to assets | 11.0988% | 1,141 |
| Core capital (leverage) ratio | 12.2076% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $215,858,250 | 2,962 |
| Average earning assets | $200,042,250 | 2,952 |
| Average equity | $22,599,250 | 2,767 |
| Average total loans | $153,221,750 | 2,601 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 1,183 |
| Cost of funding earning assets | 0.3687% | 1,119 |
| Net interest margin | 3.4939% | 1,332 |
| Noninterest income to average assets | 0.5950% | 1,763 |
| Noninterest expense to average assets | 2.3734% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1369% | 1,642 |
| Return on assets (ROA) | 1.1369% | 1,620 |
| Pretax return on assets | 1.4684% | 1,256 |
| Return on Equity (ROE) | 11.0857% | 1,953 |
| Retained earnings to average equity (ytd only) | 6.4099% | 2,204 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7790% | 3,070 |
| Assets per employee ($millions) | 7.2982% | 1,741 |
| Cash dividends to net income (ytd only)* | 42.1785% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,517 |
| Loan loss allowance to noncurrent loans | 9,009.5238% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,939 |
| Noncurrent loans to loans | 0.0137% | 3,869 |
| Net loans and leases to total assets | 67.0169% | 1,581 |
| Net loans and leases to deposits | 76.2961% | 1,667 |
| Net loans and leases to core deposits | 83.2497% | 1,496 |
| Total domestic deposits to total assets | 87.8379% | 2,640 |
| Equity capital to assets | 10.8874% | 1,263 |
| Core capital (leverage) ratio | 12.2732% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,794,000 | 2,992 |
| Average earning assets | $199,602,333 | 2,996 |
| Average equity | $22,028,333 | 2,888 |
| Average total loans | $150,692,000 | 2,635 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 830 |
| Cost of funding earning assets | 0.3759% | 1,023 |
| Net interest margin | 3.5862% | 918 |
| Noninterest income to average assets | 0.3654% | 2,896 |
| Noninterest expense to average assets | 2.3418% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0580% | 1,661 |
| Return on assets (ROA) | 1.0580% | 1,653 |
| Pretax return on assets | 1.3641% | 1,345 |
| Return on Equity (ROE) | 10.6723% | 1,739 |
| Retained earnings to average equity (ytd only) | 1.5439% | 3,672 |
| Net charge-offs to loans | -0.0027% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1905% | 3,115 |
| Assets per employee ($millions) | 6.6193% | 2,280 |
| Cash dividends to net income (ytd only)* | 85.5335% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,459 |
| Loan loss allowance to noncurrent loans | 1,296.5753% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,371 |
| Noncurrent loans to loans | 0.0986% | 3,352 |
| Net loans and leases to total assets | 68.9943% | 1,118 |
| Net loans and leases to deposits | 77.3346% | 1,339 |
| Net loans and leases to core deposits | 85.1848% | 1,174 |
| Total domestic deposits to total assets | 89.2153% | 1,968 |
| Equity capital to assets | 9.4316% | 2,337 |
| Core capital (leverage) ratio | 10.2144% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,069,500 | 3,049 |
| Average earning assets | $194,746,000 | 3,047 |
| Average equity | $20,726,500 | 3,079 |
| Average total loans | $149,281,500 | 2,635 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 925 |
| Cost of funding earning assets | 0.5177% | 862 |
| Net interest margin | 3.7286% | 1,148 |
| Noninterest income to average assets | 1.2929% | 637 |
| Noninterest expense to average assets | 2.5052% | 2,162 |
| Loan and lease loss provision to assets | 0.1353% | 901 |
| Net operating income to assets | 1.6075% | 784 |
| Return on assets (ROA) | 1.6075% | 823 |
| Pretax return on assets | 2.1160% | 480 |
| Return on Equity (ROE) | 15.6670% | 813 |
| Retained earnings to average equity (ytd only) | 11.0435% | 694 |
| Net charge-offs to loans | 0.0450% | 1,384 |
| Credit loss provision to net charge-offs | 415.3846% | 895 |
| Earnings coverage of net charge-offs (x) | 69.1385% | 1,082 |
| Efficiency ratio | 52.6698% | 4,065 |
| Assets per employee ($millions) | 6.2521% | 2,526 |
| Cash dividends to net income (ytd only)* | 29.5108% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,590 |
| Loan loss allowance to noncurrent loans | 608.3601% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,885 |
| Noncurrent loans to loans | 0.2066% | 2,921 |
| Net loans and leases to total assets | 72.0410% | 839 |
| Net loans and leases to deposits | 81.5923% | 1,096 |
| Net loans and leases to core deposits | 89.8678% | 978 |
| Total domestic deposits to total assets | 88.2939% | 1,877 |
| Equity capital to assets | 10.4086% | 2,258 |
| Core capital (leverage) ratio | 10.2893% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,625,800 | 3,067 |
| Average earning assets | $185,433,600 | 3,058 |
| Average equity | $20,482,600 | 3,172 |
| Average total loans | $144,504,600 | 2,683 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 946 |
| Cost of funding earning assets | 0.5467% | 849 |
| Net interest margin | 3.7551% | 1,213 |
| Noninterest income to average assets | 1.6044% | 484 |
| Noninterest expense to average assets | 2.3615% | 2,558 |
| Loan and lease loss provision to assets | 0.0606% | 1,781 |
| Net operating income to assets | 2.0179% | 444 |
| Return on assets (ROA) | 2.0179% | 469 |
| Pretax return on assets | 2.6612% | 261 |
| Return on Equity (ROE) | 19.7414% | 441 |
| Retained earnings to average equity (ytd only) | 16.2161% | 281 |
| Net charge-offs to loans | 0.0615% | 1,022 |
| Credit loss provision to net charge-offs | 136.3636% | 1,401 |
| Earnings coverage of net charge-offs (x) | 61.2273% | 1,127 |
| Efficiency ratio | 46.4555% | 4,476 |
| Assets per employee ($millions) | 6.3032% | 2,420 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 3,260 |
| Loan loss allowance to noncurrent loans | 1,614.1509% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,800 |
| Noncurrent loans to loans | 0.0705% | 3,741 |
| Net loans and leases to total assets | 71.4151% | 935 |
| Net loans and leases to deposits | 81.1054% | 1,181 |
| Net loans and leases to core deposits | 89.5617% | 1,057 |
| Total domestic deposits to total assets | 88.0522% | 1,812 |
| Equity capital to assets | 10.4805% | 2,468 |
| Core capital (leverage) ratio | 10.4768% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,952,250 | 3,116 |
| Average earning assets | $183,389,250 | 3,111 |
| Average equity | $20,234,500 | 3,225 |
| Average total loans | $142,999,000 | 2,736 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 995 |
| Cost of funding earning assets | 0.5833% | 806 |
| Net interest margin | 3.7243% | 1,286 |
| Noninterest income to average assets | 0.3710% | 3,260 |
| Noninterest expense to average assets | 2.4460% | 2,321 |
| Loan and lease loss provision to assets | 0.0617% | 1,812 |
| Net operating income to assets | 1.0175% | 2,834 |
| Return on assets (ROA) | 1.0175% | 2,912 |
| Pretax return on assets | 1.3083% | 2,611 |
| Return on Equity (ROE) | 10.0443% | 2,725 |
| Retained earnings to average equity (ytd only) | 5.2555% | 3,094 |
| Net charge-offs to loans | -0.0128% | 3,780 |
| Credit loss provision to net charge-offs | -666.6667% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0991% | 2,417 |
| Assets per employee ($millions) | 6.3855% | 2,247 |
| Cash dividends to net income (ytd only)* | 47.6768% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,781 |
| Loan loss allowance to noncurrent loans | 423.1325% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,894 |
| Noncurrent loans to loans | 0.2903% | 2,886 |
| Net loans and leases to total assets | 71.3426% | 1,037 |
| Net loans and leases to deposits | 80.7260% | 1,360 |
| Net loans and leases to core deposits | 89.3833% | 1,181 |
| Total domestic deposits to total assets | 88.3763% | 1,630 |
| Equity capital to assets | 10.1117% | 2,753 |
| Core capital (leverage) ratio | 10.0394% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,601,333 | 3,140 |
| Average earning assets | $180,008,667 | 3,135 |
| Average equity | $19,712,667 | 3,271 |
| Average total loans | $140,579,333 | 2,774 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 939 |
| Cost of funding earning assets | 0.5933% | 898 |
| Net interest margin | 3.7805% | 1,181 |
| Noninterest income to average assets | 0.3525% | 3,329 |
| Noninterest expense to average assets | 2.2848% | 2,838 |
| Loan and lease loss provision to assets | 0.0622% | 1,887 |
| Net operating income to assets | 1.0885% | 2,514 |
| Return on assets (ROA) | 1.0885% | 2,586 |
| Pretax return on assets | 1.5197% | 1,942 |
| Return on Equity (ROE) | 10.7356% | 2,444 |
| Retained earnings to average equity (ytd only) | 2.7606% | 3,853 |
| Net charge-offs to loans | -0.0029% | 3,214 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0885% | 3,146 |
| Assets per employee ($millions) | 6.5882% | 2,106 |
| Cash dividends to net income (ytd only)* | 74.2857% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,819 |
| Loan loss allowance to noncurrent loans | 178.9583% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 1,621 |
| Noncurrent loans to loans | 0.6816% | 1,882 |
| Net loans and leases to total assets | 70.3974% | 1,237 |
| Net loans and leases to deposits | 79.4814% | 1,570 |
| Net loans and leases to core deposits | 86.3229% | 1,497 |
| Total domestic deposits to total assets | 88.5709% | 1,575 |
| Equity capital to assets | 9.8652% | 2,832 |
| Core capital (leverage) ratio | 10.0673% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,927,500 | 3,141 |
| Average earning assets | $179,342,500 | 3,130 |
| Average equity | $19,561,000 | 3,277 |
| Average total loans | $139,380,000 | 2,789 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 875 |
| Cost of funding earning assets | 1.0202% | 550 |
| Net interest margin | 3.6913% | 1,830 |
| Noninterest income to average assets | 0.5152% | 2,566 |
| Noninterest expense to average assets | 2.6066% | 2,530 |
| Loan and lease loss provision to assets | 0.1611% | 2,360 |
| Net operating income to assets | 0.8882% | 2,744 |
| Return on assets (ROA) | 0.8882% | 2,887 |
| Pretax return on assets | 1.1668% | 2,451 |
| Return on Equity (ROE) | 8.7689% | 2,483 |
| Retained earnings to average equity (ytd only) | 5.0108% | 2,263 |
| Net charge-offs to loans | 0.0916% | 1,538 |
| Credit loss provision to net charge-offs | 237.3984% | 1,983 |
| Earnings coverage of net charge-offs (x) | 19.5691% | 1,975 |
| Efficiency ratio | 66.2507% | 2,493 |
| Assets per employee ($millions) | 6.2737% | 2,098 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 2,827 |
| Loan loss allowance to noncurrent loans | 434.7938% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 2,748 |
| Noncurrent loans to loans | 0.2814% | 3,193 |
| Net loans and leases to total assets | 72.3755% | 1,245 |
| Net loans and leases to deposits | 81.3592% | 1,722 |
| Net loans and leases to core deposits | 88.5124% | 1,645 |
| Total domestic deposits to total assets | 88.9581% | 1,004 |
| Equity capital to assets | 10.4267% | 2,734 |
| Core capital (leverage) ratio | 10.1430% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,271,600 | 3,093 |
| Average earning assets | $167,907,800 | 3,091 |
| Average equity | $18,360,400 | 3,338 |
| Average total loans | $134,260,400 | 2,810 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 963 |
| Cost of funding earning assets | 1.1293% | 475 |
| Net interest margin | 3.6227% | 2,185 |
| Noninterest income to average assets | 0.3921% | 3,119 |
| Noninterest expense to average assets | 2.5272% | 2,750 |
| Loan and lease loss provision to assets | 0.0980% | 3,100 |
| Net operating income to assets | 0.8756% | 2,788 |
| Return on assets (ROA) | 0.8756% | 2,923 |
| Pretax return on assets | 1.1236% | 2,666 |
| Return on Equity (ROE) | 8.7116% | 2,518 |
| Retained earnings to average equity (ytd only) | 4.7954% | 2,655 |
| Net charge-offs to loans | 0.1050% | 1,273 |
| Credit loss provision to net charge-offs | 125.7143% | 2,469 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 2,090 |
| Efficiency ratio | 67.4128% | 2,264 |
| Assets per employee ($millions) | 7.8876% | 1,046 |
| Cash dividends to net income (ytd only)* | 44.9534% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,003 |
| Loan loss allowance to noncurrent loans | 1,256.0976% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 3,671 |
| Noncurrent loans to loans | 0.0905% | 4,005 |
| Net loans and leases to total assets | 71.0114% | 1,816 |
| Net loans and leases to deposits | 79.5095% | 2,372 |
| Net loans and leases to core deposits | 87.8561% | 2,161 |
| Total domestic deposits to total assets | 89.3118% | 642 |
| Equity capital to assets | 9.9011% | 3,329 |
| Core capital (leverage) ratio | 9.6009% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,537,000 | 3,095 |
| Average earning assets | $166,354,500 | 3,092 |
| Average equity | $18,044,500 | 3,365 |
| Average total loans | $133,349,250 | 2,833 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 1,116 |
| Cost of funding earning assets | 1.2236% | 471 |
| Net interest margin | 3.5964% | 2,497 |
| Noninterest income to average assets | 0.4152% | 2,990 |
| Noninterest expense to average assets | 2.5482% | 2,831 |
| Loan and lease loss provision to assets | 0.0681% | 3,443 |
| Net operating income to assets | 0.8849% | 2,753 |
| Return on assets (ROA) | 0.8849% | 2,869 |
| Pretax return on assets | 1.1402% | 2,579 |
| Return on Equity (ROE) | 8.7583% | 2,467 |
| Retained earnings to average equity (ytd only) | 3.5033% | 3,178 |
| Net charge-offs to loans | 0.1510% | 963 |
| Credit loss provision to net charge-offs | 60.0000% | 2,587 |
| Earnings coverage of net charge-offs (x) | 10.6500% | 2,139 |
| Efficiency ratio | 67.8345% | 2,255 |
| Assets per employee ($millions) | 6.3065% | 1,939 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,243 |
| Loan loss allowance to noncurrent loans | 671.8182% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 3,682 |
| Noncurrent loans to loans | 0.1589% | 3,820 |
| Net loans and leases to total assets | 72.3914% | 1,636 |
| Net loans and leases to deposits | 80.8736% | 2,331 |
| Net loans and leases to core deposits | 90.7664% | 2,009 |
| Total domestic deposits to total assets | 89.5119% | 567 |
| Equity capital to assets | 9.7228% | 3,444 |
| Core capital (leverage) ratio | 9.6837% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,282,000 | 3,107 |
| Average earning assets | $163,775,333 | 3,102 |
| Average equity | $17,811,667 | 3,385 |
| Average total loans | $132,475,333 | 2,831 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 1,053 |
| Cost of funding earning assets | 1.3629% | 467 |
| Net interest margin | 3.5937% | 2,686 |
| Noninterest income to average assets | 0.4923% | 2,588 |
| Noninterest expense to average assets | 2.5791% | 3,046 |
| Loan and lease loss provision to assets | 0.0707% | 2,856 |
| Net operating income to assets | 0.9092% | 2,490 |
| Return on assets (ROA) | 0.9092% | 2,598 |
| Pretax return on assets | 1.1777% | 2,279 |
| Return on Equity (ROE) | 8.8128% | 2,187 |
| Retained earnings to average equity (ytd only) | -0.4566% | 4,066 |
| Net charge-offs to loans | 0.0031% | 2,482 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 530.0000% | 115 |
| Efficiency ratio | 67.3846% | 2,757 |
| Assets per employee ($millions) | 5.5168% | 2,104 |
| Cash dividends to net income (ytd only)* | 105.1813% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,801 |
| Loan loss allowance to noncurrent loans | 281.2727% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 3,158 |
| Noncurrent loans to loans | 0.4178% | 2,997 |
| Net loans and leases to total assets | 76.0712% | 1,294 |
| Net loans and leases to deposits | 85.6549% | 2,044 |
| Net loans and leases to core deposits | 97.2201% | 1,701 |
| Total domestic deposits to total assets | 88.8113% | 753 |
| Equity capital to assets | 10.4064% | 3,411 |
| Core capital (leverage) ratio | 10.2071% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,825,500 | 3,138 |
| Average earning assets | $157,608,000 | 3,132 |
| Average equity | $17,520,000 | 3,416 |
| Average total loans | $129,493,500 | 2,839 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 1,369 |
| Cost of funding earning assets | 1.3996% | 568 |
| Net interest margin | 3.6395% | 2,999 |
| Noninterest income to average assets | 0.7476% | 1,638 |
| Noninterest expense to average assets | 2.6991% | 2,885 |
| Loan and lease loss provision to assets | 0.2244% | 864 |
| Net operating income to assets | 0.9081% | 3,175 |
| Return on assets (ROA) | 0.9081% | 3,267 |
| Pretax return on assets | 1.1768% | 2,925 |
| Return on Equity (ROE) | 8.8957% | 2,802 |
| Retained earnings to average equity (ytd only) | 5.9746% | 1,883 |
| Net charge-offs to loans | 0.0899% | 1,836 |
| Credit loss provision to net charge-offs | 320.1754% | 868 |
| Earnings coverage of net charge-offs (x) | 19.9912% | 1,960 |
| Efficiency ratio | 65.8270% | 2,799 |
| Assets per employee ($millions) | 5.6210% | 1,952 |
| Cash dividends to net income (ytd only)* | 32.8368% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,475 |
| Loan loss allowance to noncurrent loans | 220.9607% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 1,379 |
| Noncurrent loans to loans | 0.5395% | 2,560 |
| Net loans and leases to total assets | 74.6156% | 1,647 |
| Net loans and leases to deposits | 83.7477% | 2,361 |
| Net loans and leases to core deposits | 97.7190% | 1,750 |
| Total domestic deposits to total assets | 89.0957% | 633 |
| Equity capital to assets | 10.2253% | 3,705 |
| Core capital (leverage) ratio | 10.2216% | 3,273 |
| Tier 1 risk-based capital ratio | 14.3605% | 3,087 |
| Total risk-based capital ratio | 15.6108% | 2,995 |
| Memoranda: | ||
| Average total assets | $162,647,800 | 3,179 |
| Average earning assets | $149,828,800 | 3,175 |
| Average equity | $16,603,600 | 3,481 |
| Average total loans | $126,775,800 | 2,856 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0395% | 1,446 |
| Cost of funding earning assets | 1.3923% | 590 |
| Net interest margin | 3.6472% | 3,102 |
| Noninterest income to average assets | 0.6429% | 2,022 |
| Noninterest expense to average assets | 2.7518% | 2,708 |
| Loan and lease loss provision to assets | 0.1117% | 1,751 |
| Net operating income to assets | 0.8786% | 3,419 |
| Return on assets (ROA) | 0.8786% | 3,501 |
| Pretax return on assets | 1.1343% | 3,189 |
| Return on Equity (ROE) | 8.6109% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.1488% | 2,819 |
| Net charge-offs to loans | 0.1211% | 1,289 |
| Credit loss provision to net charge-offs | 117.3913% | 1,992 |
| Earnings coverage of net charge-offs (x) | 13.0956% | 2,316 |
| Efficiency ratio | 68.8328% | 2,281 |
| Assets per employee ($millions) | 5.4552% | 2,070 |
| Cash dividends to net income (ytd only)* | 40.2074% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,474 |
| Loan loss allowance to noncurrent loans | 316.2162% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 1,765 |
| Noncurrent loans to loans | 0.3216% | 3,378 |
| Net loans and leases to total assets | 76.5494% | 1,387 |
| Net loans and leases to deposits | 87.2725% | 2,025 |
| Net loans and leases to core deposits | 102.1077% | 1,494 |
| Total domestic deposits to total assets | 87.7132% | 1,161 |
| Equity capital to assets | 10.3425% | 3,680 |
| Core capital (leverage) ratio | 10.1976% | 3,429 |
| Tier 1 risk-based capital ratio | 14.1697% | 3,240 |
| Total risk-based capital ratio | 15.2649% | 3,232 |
| Memoranda: | ||
| Average total assets | $161,152,000 | 3,225 |
| Average earning assets | $148,237,250 | 3,225 |
| Average equity | $16,443,750 | 3,522 |
| Average total loans | $126,634,000 | 2,892 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 1,604 |
| Cost of funding earning assets | 1.3536% | 633 |
| Net interest margin | 3.6004% | 3,253 |
| Noninterest income to average assets | 0.7398% | 1,562 |
| Noninterest expense to average assets | 2.7583% | 2,727 |
| Loan and lease loss provision to assets | 0.1123% | 1,672 |
| Net operating income to assets | 0.9119% | 3,235 |
| Return on assets (ROA) | 0.9119% | 3,298 |
| Pretax return on assets | 1.1777% | 2,988 |
| Return on Equity (ROE) | 8.9787% | 2,868 |
| Retained earnings to average equity (ytd only) | 4.4955% | 3,023 |
| Net charge-offs to loans | 0.0647% | 1,730 |
| Credit loss provision to net charge-offs | 219.5122% | 1,136 |
| Earnings coverage of net charge-offs (x) | 25.2195% | 1,602 |
| Efficiency ratio | 68.1356% | 2,511 |
| Assets per employee ($millions) | 5.1270% | 2,326 |
| Cash dividends to net income (ytd only)* | 49.9316% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,473 |
| Loan loss allowance to noncurrent loans | 463.0282% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 2,112 |
| Noncurrent loans to loans | 0.2216% | 3,745 |
| Net loans and leases to total assets | 77.3218% | 1,344 |
| Net loans and leases to deposits | 88.2576% | 1,972 |
| Net loans and leases to core deposits | 103.3037% | 1,441 |
| Total domestic deposits to total assets | 87.6092% | 1,281 |
| Equity capital to assets | 10.1722% | 3,818 |
| Core capital (leverage) ratio | 10.1220% | 3,480 |
| Tier 1 risk-based capital ratio | 13.4597% | 3,603 |
| Total risk-based capital ratio | 14.5400% | 3,595 |
| Memoranda: | ||
| Average total assets | $160,317,670 | 3,252 |
| Average earning assets | $147,316,000 | 3,251 |
| Average equity | $16,283,000 | 3,538 |
| Average total loans | $126,657,330 | 2,910 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 1,727 |
| Cost of funding earning assets | 1.2879% | 682 |
| Net interest margin | 3.5726% | 3,354 |
| Noninterest income to average assets | 1.0351% | 745 |
| Noninterest expense to average assets | 2.6710% | 2,992 |
| Loan and lease loss provision to assets | 0.1136% | 1,559 |
| Net operating income to assets | 1.1790% | 2,130 |
| Return on assets (ROA) | 1.1790% | 2,182 |
| Pretax return on assets | 1.5349% | 1,665 |
| Return on Equity (ROE) | 11.6169% | 1,685 |
| Retained earnings to average equity (ytd only) | 4.4527% | 3,147 |
| Net charge-offs to loans | 0.0032% | 2,626 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 653.0000% | 103 |
| Efficiency ratio | 61.8352% | 3,559 |
| Assets per employee ($millions) | 4.8890% | 2,658 |
| Cash dividends to net income (ytd only)* | 61.6702% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,519 |
| Loan loss allowance to noncurrent loans | 358.1967% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 2,214 |
| Noncurrent loans to loans | 0.2879% | 3,528 |
| Net loans and leases to total assets | 77.9858% | 1,155 |
| Net loans and leases to deposits | 89.9074% | 1,645 |
| Net loans and leases to core deposits | 104.4661% | 1,284 |
| Total domestic deposits to total assets | 86.7402% | 1,939 |
| Equity capital to assets | 10.0628% | 3,761 |
| Core capital (leverage) ratio | 10.2602% | 3,320 |
| Tier 1 risk-based capital ratio | 13.3638% | 3,687 |
| Total risk-based capital ratio | 14.4456% | 3,683 |
| Memoranda: | ||
| Average total assets | $158,444,000 | 3,310 |
| Average earning assets | $145,662,500 | 3,305 |
| Average equity | $16,080,000 | 3,571 |
| Average total loans | $125,899,500 | 2,950 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,781 |
| Cost of funding earning assets | 0.9810% | 813 |
| Net interest margin | 3.7323% | 2,929 |
| Noninterest income to average assets | 0.5733% | 2,430 |
| Noninterest expense to average assets | 2.6936% | 3,045 |
| Loan and lease loss provision to assets | 0.2326% | 765 |
| Net operating income to assets | 0.8400% | 3,648 |
| Return on assets (ROA) | 0.8400% | 3,648 |
| Pretax return on assets | 1.0922% | 3,301 |
| Return on Equity (ROE) | 9.1179% | 2,937 |
| Retained earnings to average equity (ytd only) | 6.9487% | 1,696 |
| Net charge-offs to loans | 0.1129% | 1,620 |
| Credit loss provision to net charge-offs | 262.9630% | 1,142 |
| Earnings coverage of net charge-offs (x) | 14.9778% | 2,352 |
| Efficiency ratio | 67.0308% | 2,704 |
| Assets per employee ($millions) | 5.0178% | 2,480 |
| Cash dividends to net income (ytd only)* | 23.7910% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,582 |
| Loan loss allowance to noncurrent loans | 370.4678% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 2,310 |
| Noncurrent loans to loans | 0.2743% | 3,589 |
| Net loans and leases to total assets | 79.3315% | 1,047 |
| Net loans and leases to deposits | 92.5475% | 1,465 |
| Net loans and leases to core deposits | 103.8423% | 1,426 |
| Total domestic deposits to total assets | 85.7198% | 2,359 |
| Equity capital to assets | 10.2378% | 3,432 |
| Core capital (leverage) ratio | 10.3949% | 3,147 |
| Tier 1 risk-based capital ratio | 13.4054% | 3,603 |
| Total risk-based capital ratio | 14.4658% | 3,600 |
| Memoranda: | ||
| Average total assets | $152,623,800 | 3,354 |
| Average earning assets | $140,878,200 | 3,350 |
| Average equity | $14,060,200 | 3,741 |
| Average total loans | $119,598,600 | 2,998 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6864% | 1,716 |
| Cost of funding earning assets | 0.9403% | 776 |
| Net interest margin | 3.7461% | 2,841 |
| Noninterest income to average assets | 0.6346% | 2,141 |
| Noninterest expense to average assets | 2.6580% | 3,102 |
| Loan and lease loss provision to assets | 0.0702% | 2,560 |
| Net operating income to assets | 1.0577% | 2,836 |
| Return on assets (ROA) | 1.0577% | 2,847 |
| Pretax return on assets | 1.3650% | 2,360 |
| Return on Equity (ROE) | 11.8187% | 1,869 |
| Retained earnings to average equity (ytd only) | 9.0332% | 1,206 |
| Net charge-offs to loans | 0.0135% | 2,943 |
| Credit loss provision to net charge-offs | 666.6667% | 547 |
| Earnings coverage of net charge-offs (x) | 136.2469% | 595 |
| Efficiency ratio | 64.9367% | 3,042 |
| Assets per employee ($millions) | 4.4823% | 3,151 |
| Cash dividends to net income (ytd only)* | 23.5686% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 4,237 |
| Loan loss allowance to noncurrent loans | 462.6556% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 4,170 |
| Noncurrent loans to loans | 0.1961% | 4,007 |
| Net loans and leases to total assets | 79.9231% | 1,031 |
| Net loans and leases to deposits | 94.6631% | 1,306 |
| Net loans and leases to core deposits | 108.3089% | 1,148 |
| Total domestic deposits to total assets | 84.4290% | 2,802 |
| Equity capital to assets | 10.3072% | 3,324 |
| Core capital (leverage) ratio | 10.4410% | 3,138 |
| Tier 1 risk-based capital ratio | 13.7348% | 3,497 |
| Total risk-based capital ratio | 14.6944% | 3,572 |
| Memoranda: | ||
| Average total assets | $151,892,000 | 3,396 |
| Average earning assets | $140,232,000 | 3,391 |
| Average equity | $13,594,000 | 3,830 |
| Average total loans | $118,331,250 | 3,039 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 2,039 |
| Cost of funding earning assets | 0.9263% | 647 |
| Net interest margin | 3.5895% | 3,360 |
| Noninterest income to average assets | 0.4139% | 3,397 |
| Noninterest expense to average assets | 2.6034% | 3,316 |
| Loan and lease loss provision to assets | 0.0395% | 3,116 |
| Net operating income to assets | 0.8476% | 3,687 |
| Return on assets (ROA) | 0.8476% | 3,687 |
| Pretax return on assets | 1.0809% | 3,385 |
| Return on Equity (ROE) | 9.9772% | 2,569 |
| Retained earnings to average equity (ytd only) | 6.6567% | 2,225 |
| Net charge-offs to loans | 0.0120% | 2,731 |
| Credit loss provision to net charge-offs | 428.5714% | 779 |
| Earnings coverage of net charge-offs (x) | 121.4286% | 610 |
| Efficiency ratio | 69.9115% | 2,327 |
| Assets per employee ($millions) | 4.9194% | 2,527 |
| Cash dividends to net income (ytd only)* | 33.2815% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 4,413 |
| Loan loss allowance to noncurrent loans | 89.9916% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8262% | 1,810 |
| Noncurrent loans to loans | 0.9804% | 1,784 |
| Net loans and leases to total assets | 78.8256% | 1,189 |
| Net loans and leases to deposits | 88.8962% | 1,998 |
| Net loans and leases to core deposits | 102.7454% | 1,508 |
| Total domestic deposits to total assets | 88.6715% | 1,071 |
| Equity capital to assets | 8.5384% | 4,917 |
| Core capital (leverage) ratio | 8.7924% | 4,892 |
| Tier 1 risk-based capital ratio | 11.3602% | 4,864 |
| Total risk-based capital ratio | 12.2798% | 4,938 |
| Memoranda: | ||
| Average total assets | $151,723,000 | 3,410 |
| Average earning assets | $139,910,000 | 3,411 |
| Average equity | $12,889,330 | 3,945 |
| Average total loans | $116,802,670 | 3,075 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 2,215 |
| Cost of funding earning assets | 0.8892% | 634 |
| Net interest margin | 3.5053% | 3,519 |
| Noninterest income to average assets | 0.4070% | 3,412 |
| Noninterest expense to average assets | 2.5559% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8643% | 3,435 |
| Return on assets (ROA) | 0.8643% | 3,451 |
| Pretax return on assets | 1.0916% | 3,201 |
| Return on Equity (ROE) | 10.2000% | 2,334 |
| Retained earnings to average equity (ytd only) | 6.8624% | 2,343 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0725% | 2,476 |
| Assets per employee ($millions) | 4.8734% | 2,642 |
| Cash dividends to net income (ytd only)* | 32.7217% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,417 |
| Loan loss allowance to noncurrent loans | 1,057.5758% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 4,533 |
| Noncurrent loans to loans | 0.0858% | 4,602 |
| Net loans and leases to total assets | 75.6942% | 1,584 |
| Net loans and leases to deposits | 85.2067% | 2,274 |
| Net loans and leases to core deposits | 102.1072% | 1,520 |
| Total domestic deposits to total assets | 88.8360% | 1,189 |
| Equity capital to assets | 8.5229% | 4,955 |
| Core capital (leverage) ratio | 8.7355% | 4,963 |
| Tier 1 risk-based capital ratio | 11.6098% | 4,800 |
| Total risk-based capital ratio | 12.5442% | 4,871 |
| Memoranda: | ||
| Average total assets | $151,334,500 | 3,451 |
| Average earning assets | $139,903,500 | 3,444 |
| Average equity | $12,823,500 | 3,992 |
| Average total loans | $114,564,500 | 3,129 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 1,719 |
| Cost of funding earning assets | 0.7173% | 936 |
| Net interest margin | 3.7776% | 2,511 |
| Noninterest income to average assets | 0.6187% | 2,356 |
| Noninterest expense to average assets | 2.7906% | 2,805 |
| Loan and lease loss provision to assets | 0.0652% | 2,905 |
| Net operating income to assets | 0.7259% | 3,491 |
| Return on assets (ROA) | 0.7259% | 3,529 |
| Pretax return on assets | 1.2272% | 2,653 |
| Return on Equity (ROE) | 7.8566% | 2,862 |
| Retained earnings to average equity (ytd only) | 1.6466% | 4,314 |
| Net charge-offs to loans | 0.0148% | 3,592 |
| Credit loss provision to net charge-offs | 562.5000% | 574 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 601 |
| Efficiency ratio | 68.3463% | 2,827 |
| Assets per employee ($millions) | 5.4141% | 2,032 |
| Cash dividends to net income (ytd only)* | 79.0419% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,369 |
| Loan loss allowance to noncurrent loans | 2,492.8571% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 4,747 |
| Noncurrent loans to loans | 0.0369% | 4,845 |
| Net loans and leases to total assets | 74.3301% | 1,869 |
| Net loans and leases to deposits | 84.8481% | 2,393 |
| Net loans and leases to core deposits | 102.7268% | 1,507 |
| Total domestic deposits to total assets | 87.6037% | 1,700 |
| Equity capital to assets | 8.4245% | 5,169 |
| Core capital (leverage) ratio | 8.6764% | 4,975 |
| Tier 1 risk-based capital ratio | 11.5671% | 4,808 |
| Total risk-based capital ratio | 12.5140% | 4,879 |
| Memoranda: | ||
| Average total assets | $138,035,600 | 3,642 |
| Average earning assets | $126,589,800 | 3,640 |
| Average equity | $12,753,600 | 4,022 |
| Average total loans | $108,419,800 | 3,208 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 1,627 |
| Cost of funding earning assets | 0.6482% | 1,250 |
| Net interest margin | 3.8565% | 2,201 |
| Noninterest income to average assets | 0.4407% | 3,396 |
| Noninterest expense to average assets | 2.7845% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8001% | 3,521 |
| Return on assets (ROA) | 0.8001% | 3,570 |
| Pretax return on assets | 1.1853% | 2,962 |
| Return on Equity (ROE) | 8.4500% | 2,907 |
| Retained earnings to average equity (ytd only) | 4.4028% | 3,277 |
| Net charge-offs to loans | 0.0212% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 70.3996% | 888 |
| Efficiency ratio | 70.1422% | 2,514 |
| Assets per employee ($millions) | 4.7550% | 2,756 |
| Cash dividends to net income (ytd only)* | 47.8961% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 4,786 |
| Loan loss allowance to noncurrent loans | 1,541.9355% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 4,769 |
| Noncurrent loans to loans | 0.0547% | 4,867 |
| Net loans and leases to total assets | 78.8293% | 1,147 |
| Net loans and leases to deposits | 90.7448% | 1,721 |
| Net loans and leases to core deposits | 107.0840% | 1,195 |
| Total domestic deposits to total assets | 86.8693% | 1,921 |
| Equity capital to assets | 9.1265% | 4,802 |
| Core capital (leverage) ratio | 9.0149% | 4,722 |
| Tier 1 risk-based capital ratio | 11.8767% | 4,712 |
| Total risk-based capital ratio | 12.7502% | 4,853 |
| Memoranda: | ||
| Average total assets | $134,646,000 | 3,719 |
| Average earning assets | $123,218,750 | 3,724 |
| Average equity | $12,749,250 | 4,057 |
| Average total loans | $107,093,000 | 3,257 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 1,652 |
| Cost of funding earning assets | 0.5659% | 1,676 |
| Net interest margin | 3.8881% | 1,976 |
| Noninterest income to average assets | 0.4501% | 3,349 |
| Noninterest expense to average assets | 2.8277% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7956% | 3,416 |
| Return on assets (ROA) | 0.7956% | 3,475 |
| Pretax return on assets | 1.1729% | 2,882 |
| Return on Equity (ROE) | 8.2943% | 2,873 |
| Retained earnings to average equity (ytd only) | 3.3177% | 3,737 |
| Net charge-offs to loans | -0.0019% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6818% | 2,560 |
| Assets per employee ($millions) | 4.7173% | 2,765 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,712 |
| Loan loss allowance to noncurrent loans | 861.9469% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 4,648 |
| Noncurrent loans to loans | 0.1023% | 4,719 |
| Net loans and leases to total assets | 80.0507% | 947 |
| Net loans and leases to deposits | 96.5297% | 1,029 |
| Net loans and leases to core deposits | 112.2165% | 898 |
| Total domestic deposits to total assets | 82.9286% | 3,590 |
| Equity capital to assets | 9.3654% | 4,548 |
| Core capital (leverage) ratio | 9.5321% | 4,099 |
| Tier 1 risk-based capital ratio | 11.9054% | 4,696 |
| Total risk-based capital ratio | 12.8123% | 4,813 |
| Memoranda: | ||
| Average total assets | $131,978,000 | 3,779 |
| Average earning assets | $120,522,000 | 3,799 |
| Average equity | $12,659,330 | 4,085 |
| Average total loans | $104,988,670 | 3,299 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 1,679 |
| Cost of funding earning assets | 0.5415% | 1,771 |
| Net interest margin | 3.8479% | 1,959 |
| Noninterest income to average assets | 0.4476% | 3,326 |
| Noninterest expense to average assets | 2.8279% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7687% | 3,375 |
| Return on assets (ROA) | 0.7687% | 3,431 |
| Pretax return on assets | 1.1299% | 2,864 |
| Return on Equity (ROE) | 7.9154% | 2,964 |
| Retained earnings to average equity (ytd only) | 1.2716% | 4,574 |
| Net charge-offs to loans | -0.0117% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4509% | 2,672 |
| Assets per employee ($millions) | 4.1199% | 3,805 |
| Cash dividends to net income (ytd only)* | 83.9357% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 4,651 |
| Loan loss allowance to noncurrent loans | 10,844.4444% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 5,040 |
| Noncurrent loans to loans | 0.0086% | 5,217 |
| Net loans and leases to total assets | 79.0431% | 975 |
| Net loans and leases to deposits | 92.2235% | 1,308 |
| Net loans and leases to core deposits | 105.9962% | 1,099 |
| Total domestic deposits to total assets | 85.7081% | 2,790 |
| Equity capital to assets | 9.5702% | 4,214 |
| Core capital (leverage) ratio | 9.7942% | 3,762 |
| Tier 1 risk-based capital ratio | 12.1613% | 4,609 |
| Total risk-based capital ratio | 13.1020% | 4,718 |
| Memoranda: | ||
| Average total assets | $129,566,000 | 3,844 |
| Average earning assets | $118,195,500 | 3,866 |
| Average equity | $12,583,000 | 4,123 |
| Average total loans | $102,240,500 | 3,379 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 1,722 |
| Cost of funding earning assets | 0.5552% | 1,640 |
| Net interest margin | 3.8814% | 2,024 |
| Noninterest income to average assets | 0.4467% | 3,568 |
| Noninterest expense to average assets | 2.7624% | 3,147 |
| Loan and lease loss provision to assets | 0.1115% | 2,202 |
| Net operating income to assets | 0.7597% | 3,493 |
| Return on assets (ROA) | 0.7597% | 3,602 |
| Pretax return on assets | 1.1077% | 3,069 |
| Return on Equity (ROE) | 7.7350% | 3,093 |
| Retained earnings to average equity (ytd only) | 2.4405% | 4,134 |
| Net charge-offs to loans | 0.0659% | 2,755 |
| Credit loss provision to net charge-offs | 222.2222% | 1,288 |
| Earnings coverage of net charge-offs (x) | 24.3016% | 1,646 |
| Efficiency ratio | 69.3800% | 3,014 |
| Assets per employee ($millions) | 3.9780% | 4,007 |
| Cash dividends to net income (ytd only)* | 68.4486% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 4,438 |
| Loan loss allowance to noncurrent loans | 12,162.5000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 5,086 |
| Noncurrent loans to loans | 0.0081% | 5,267 |
| Net loans and leases to total assets | 77.2411% | 1,323 |
| Net loans and leases to deposits | 88.5411% | 1,865 |
| Net loans and leases to core deposits | 101.9705% | 1,447 |
| Total domestic deposits to total assets | 87.2375% | 2,005 |
| Equity capital to assets | 9.8582% | 3,869 |
| Core capital (leverage) ratio | 9.8713% | 3,664 |
| Tier 1 risk-based capital ratio | 12.8135% | 4,198 |
| Total risk-based capital ratio | 13.8048% | 4,241 |
| Memoranda: | ||
| Average total assets | $125,581,000 | 3,898 |
| Average earning assets | $114,366,000 | 3,920 |
| Average equity | $12,333,600 | 4,203 |
| Average total loans | $95,663,600 | 3,471 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 1,735 |
| Cost of funding earning assets | 0.5544% | 1,652 |
| Net interest margin | 3.8832% | 2,042 |
| Noninterest income to average assets | 0.4624% | 3,475 |
| Noninterest expense to average assets | 2.8594% | 2,788 |
| Loan and lease loss provision to assets | 0.0426% | 3,377 |
| Net operating income to assets | 0.7596% | 3,567 |
| Return on assets (ROA) | 0.7596% | 3,695 |
| Pretax return on assets | 1.0973% | 3,241 |
| Return on Equity (ROE) | 7.7415% | 3,153 |
| Retained earnings to average equity (ytd only) | 1.8024% | 4,783 |
| Net charge-offs to loans | 0.0450% | 2,743 |
| Credit loss provision to net charge-offs | 125.0000% | 2,021 |
| Earnings coverage of net charge-offs (x) | 33.4340% | 1,390 |
| Efficiency ratio | 71.4971% | 2,652 |
| Assets per employee ($millions) | 4.2723% | 3,462 |
| Cash dividends to net income (ytd only)* | 76.7188% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,851 |
| Loan loss allowance to noncurrent loans | 496.7033% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 4,641 |
| Noncurrent loans to loans | 0.1822% | 4,621 |
| Net loans and leases to total assets | 77.2377% | 1,317 |
| Net loans and leases to deposits | 88.9562% | 1,892 |
| Net loans and leases to core deposits | 102.4009% | 1,451 |
| Total domestic deposits to total assets | 86.8267% | 1,977 |
| Equity capital to assets | 9.8184% | 4,339 |
| Core capital (leverage) ratio | 9.7348% | 3,894 |
| Tier 1 risk-based capital ratio | 13.6481% | 3,770 |
| Total risk-based capital ratio | 14.6397% | 3,839 |
| Memoranda: | ||
| Average total assets | $125,152,500 | 3,929 |
| Average earning assets | $113,991,750 | 3,953 |
| Average equity | $12,279,750 | 4,246 |
| Average total loans | $94,755,250 | 3,497 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 1,789 |
| Cost of funding earning assets | 0.5563% | 1,650 |
| Net interest margin | 3.8586% | 2,112 |
| Noninterest income to average assets | 0.4817% | 3,319 |
| Noninterest expense to average assets | 2.8837% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7668% | 3,469 |
| Return on assets (ROA) | 0.7668% | 3,611 |
| Pretax return on assets | 1.1067% | 3,172 |
| Return on Equity (ROE) | 7.8172% | 3,076 |
| Retained earnings to average equity (ytd only) | 1.1496% | 4,921 |
| Net charge-offs to loans | 0.0107% | 3,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 137.4000% | 435 |
| Efficiency ratio | 72.2648% | 2,611 |
| Assets per employee ($millions) | 4.5154% | 2,992 |
| Cash dividends to net income (ytd only)* | 85.2941% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 4,889 |
| Loan loss allowance to noncurrent loans | 810.0000% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,939 |
| Noncurrent loans to loans | 0.1136% | 4,992 |
| Net loans and leases to total assets | 75.9100% | 1,503 |
| Net loans and leases to deposits | 86.8440% | 2,150 |
| Net loans and leases to core deposits | 99.6491% | 1,659 |
| Total domestic deposits to total assets | 87.4096% | 1,708 |
| Equity capital to assets | 9.9170% | 4,329 |
| Core capital (leverage) ratio | 9.8601% | 3,734 |
| Tier 1 risk-based capital ratio | 13.7103% | 3,766 |
| Total risk-based capital ratio | 14.6998% | 3,848 |
| Memoranda: | ||
| Average total assets | $124,147,330 | 3,975 |
| Average earning assets | $112,892,000 | 3,998 |
| Average equity | $12,178,330 | 4,288 |
| Average total loans | $93,041,000 | 3,545 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 1,839 |
| Cost of funding earning assets | 0.5566% | 1,647 |
| Net interest margin | 3.8317% | 2,172 |
| Noninterest income to average assets | 0.4455% | 3,519 |
| Noninterest expense to average assets | 2.8844% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7187% | 3,618 |
| Return on assets (ROA) | 0.7187% | 3,734 |
| Pretax return on assets | 1.0308% | 3,358 |
| Return on Equity (ROE) | 7.3676% | 3,256 |
| Retained earnings to average equity (ytd only) | 0.5001% | 4,992 |
| Net charge-offs to loans | -0.0044% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6711% | 2,533 |
| Assets per employee ($millions) | 4.4066% | 3,239 |
| Cash dividends to net income (ytd only)* | 93.2127% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 4,718 |
| Loan loss allowance to noncurrent loans | 124.2382% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 2,985 |
| Noncurrent loans to loans | 0.7874% | 2,865 |
| Net loans and leases to total assets | 73.5873% | 1,801 |
| Net loans and leases to deposits | 84.2090% | 2,282 |
| Net loans and leases to core deposits | 95.4260% | 1,850 |
| Total domestic deposits to total assets | 87.3865% | 2,004 |
| Equity capital to assets | 10.0645% | 3,994 |
| Core capital (leverage) ratio | 10.0430% | 3,482 |
| Tier 1 risk-based capital ratio | 13.9998% | 3,700 |
| Total risk-based capital ratio | 15.0215% | 3,759 |
| Memoranda: | ||
| Average total assets | $123,006,000 | 4,027 |
| Average earning assets | $111,387,500 | 4,063 |
| Average equity | $11,998,500 | 4,334 |
| Average total loans | $91,129,500 | 3,598 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4017% | 1,894 |
| Cost of funding earning assets | 0.6027% | 1,343 |
| Net interest margin | 3.7991% | 2,381 |
| Noninterest income to average assets | 0.6257% | 2,588 |
| Noninterest expense to average assets | 2.8687% | 2,972 |
| Loan and lease loss provision to assets | 0.1173% | 2,029 |
| Net operating income to assets | 0.7053% | 3,783 |
| Return on assets (ROA) | 0.7036% | 3,902 |
| Pretax return on assets | 1.0428% | 3,295 |
| Return on Equity (ROE) | 7.5054% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.0765% | 1,250 |
| Net charge-offs to loans | 0.0397% | 3,434 |
| Credit loss provision to net charge-offs | 411.7647% | 744 |
| Earnings coverage of net charge-offs (x) | 40.8235% | 1,163 |
| Efficiency ratio | 71.1614% | 3,043 |
| Assets per employee ($millions) | 4.5418% | 2,979 |
| Cash dividends to net income (ytd only)* | 5.7143% | 4,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 4,668 |
| Loan loss allowance to noncurrent loans | 123.2143% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 2,948 |
| Noncurrent loans to loans | 0.8038% | 2,778 |
| Net loans and leases to total assets | 73.1236% | 1,865 |
| Net loans and leases to deposits | 82.6581% | 2,516 |
| Net loans and leases to core deposits | 93.7981% | 2,062 |
| Total domestic deposits to total assets | 88.4651% | 1,400 |
| Equity capital to assets | 9.4424% | 4,624 |
| Core capital (leverage) ratio | 9.4739% | 4,214 |
| Tier 1 risk-based capital ratio | 13.0515% | 4,274 |
| Total risk-based capital ratio | 14.0617% | 4,341 |
| Memoranda: | ||
| Average total assets | $119,390,200 | 4,079 |
| Average earning assets | $107,026,200 | 4,115 |
| Average equity | $11,192,000 | 4,439 |
| Average total loans | $85,553,600 | 3,682 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 1,904 |
| Cost of funding earning assets | 0.6136% | 1,320 |
| Net interest margin | 3.7924% | 2,416 |
| Noninterest income to average assets | 0.4576% | 3,658 |
| Noninterest expense to average assets | 2.8627% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6905% | 3,943 |
| Return on assets (ROA) | 0.6881% | 4,073 |
| Pretax return on assets | 0.9827% | 3,678 |
| Return on Equity (ROE) | 7.3543% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.0539% | 1,663 |
| Net charge-offs to loans | 0.0506% | 2,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 27.4033% | 1,585 |
| Efficiency ratio | 74.3792% | 2,492 |
| Assets per employee ($millions) | 4.1640% | 3,594 |
| Cash dividends to net income (ytd only)* | 4.0847% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 5,334 |
| Loan loss allowance to noncurrent loans | 401.0582% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 4,310 |
| Noncurrent loans to loans | 0.2140% | 4,796 |
| Net loans and leases to total assets | 72.5212% | 1,977 |
| Net loans and leases to deposits | 81.6958% | 2,682 |
| Net loans and leases to core deposits | 92.7533% | 2,193 |
| Total domestic deposits to total assets | 88.7698% | 1,140 |
| Equity capital to assets | 9.4654% | 4,795 |
| Core capital (leverage) ratio | 9.3320% | 4,539 |
| Tier 1 risk-based capital ratio | 13.7622% | 3,987 |
| Total risk-based capital ratio | 14.6796% | 4,102 |
| Memoranda: | ||
| Average total assets | $118,580,750 | 4,135 |
| Average earning assets | $106,033,000 | 4,180 |
| Average equity | $11,095,250 | 4,511 |
| Average total loans | $84,300,250 | 3,747 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 1,979 |
| Cost of funding earning assets | 0.6237% | 1,269 |
| Net interest margin | 3.7348% | 2,562 |
| Noninterest income to average assets | 0.4446% | 3,746 |
| Noninterest expense to average assets | 2.7949% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6891% | 3,941 |
| Return on assets (ROA) | 0.6856% | 4,070 |
| Pretax return on assets | 0.9775% | 3,672 |
| Return on Equity (ROE) | 7.3564% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.9012% | 1,741 |
| Net charge-offs to loans | 0.0048% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 289.5000% | 237 |
| Efficiency ratio | 73.9892% | 2,679 |
| Assets per employee ($millions) | 4.0979% | 3,686 |
| Cash dividends to net income (ytd only)* | 6.1881% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 5,181 |
| Loan loss allowance to noncurrent loans | 351.7857% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 4,426 |
| Noncurrent loans to loans | 0.2642% | 4,725 |
| Net loans and leases to total assets | 70.6881% | 2,211 |
| Net loans and leases to deposits | 80.2325% | 2,757 |
| Net loans and leases to core deposits | 90.3144% | 2,315 |
| Total domestic deposits to total assets | 88.1041% | 1,592 |
| Equity capital to assets | 9.3749% | 4,816 |
| Core capital (leverage) ratio | 9.2918% | 4,566 |
| Tier 1 risk-based capital ratio | 13.4763% | 4,236 |
| Total risk-based capital ratio | 14.4313% | 4,332 |
| Memoranda: | ||
| Average total assets | $117,856,000 | 4,189 |
| Average earning assets | $105,173,000 | 4,239 |
| Average equity | $10,983,670 | 4,566 |
| Average total loans | $82,956,670 | 3,800 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,199 |
| Cost of funding earning assets | 0.6180% | 1,319 |
| Net interest margin | 3.6506% | 2,815 |
| Noninterest income to average assets | 0.4328% | 3,747 |
| Noninterest expense to average assets | 2.7197% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6850% | 3,872 |
| Return on assets (ROA) | 0.6850% | 4,002 |
| Pretax return on assets | 0.9747% | 3,586 |
| Return on Equity (ROE) | 7.3728% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.3728% | 1,825 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6162% | 2,876 |
| Assets per employee ($millions) | 4.1131% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 5,208 |
| Loan loss allowance to noncurrent loans | 61.2878% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 1.8805% | 1,291 |
| Noncurrent loans to loans | 1.5642% | 1,789 |
| Net loans and leases to total assets | 68.4261% | 2,379 |
| Net loans and leases to deposits | 77.3550% | 2,898 |
| Net loans and leases to core deposits | 87.2435% | 2,409 |
| Total domestic deposits to total assets | 88.4573% | 1,564 |
| Equity capital to assets | 9.2548% | 5,020 |
| Core capital (leverage) ratio | 9.3602% | 4,484 |
| Tier 1 risk-based capital ratio | 13.9965% | 4,020 |
| Total risk-based capital ratio | 15.0031% | 4,097 |
| Memoranda: | ||
| Average total assets | $117,364,500 | 4,229 |
| Average earning assets | $104,860,000 | 4,280 |
| Average equity | $10,905,000 | 4,617 |
| Average total loans | $82,038,500 | 3,830 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 2,245 |
| Cost of funding earning assets | 0.6749% | 1,243 |
| Net interest margin | 3.7183% | 2,941 |
| Noninterest income to average assets | 0.7276% | 2,172 |
| Noninterest expense to average assets | 2.8561% | 3,277 |
| Loan and lease loss provision to assets | 0.2028% | 1,247 |
| Net operating income to assets | 0.6877% | 3,958 |
| Return on assets (ROA) | 0.6852% | 4,087 |
| Pretax return on assets | 0.9881% | 3,548 |
| Return on Equity (ROE) | 7.3376% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.6811% | 1,556 |
| Net charge-offs to loans | 0.3685% | 1,179 |
| Credit loss provision to net charge-offs | 78.6713% | 2,893 |
| Earnings coverage of net charge-offs (x) | 4.6329% | 3,602 |
| Efficiency ratio | 70.5097% | 3,455 |
| Assets per employee ($millions) | 4.1232% | 3,677 |
| Cash dividends to net income (ytd only)* | 8.9474% | 4,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 5,210 |
| Loan loss allowance to noncurrent loans | 61.9122% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.9913% | 1,283 |
| Noncurrent loans to loans | 1.5624% | 1,872 |
| Net loans and leases to total assets | 70.0554% | 2,228 |
| Net loans and leases to deposits | 78.9418% | 2,843 |
| Net loans and leases to core deposits | 89.3681% | 2,347 |
| Total domestic deposits to total assets | 88.7432% | 1,394 |
| Equity capital to assets | 9.3296% | 4,930 |
| Core capital (leverage) ratio | 9.2595% | 4,588 |
| Tier 1 risk-based capital ratio | 13.8661% | 4,196 |
| Total risk-based capital ratio | 14.8820% | 4,269 |
| Memoranda: | ||
| Average total assets | $110,920,000 | 4,367 |
| Average earning assets | $99,132,000 | 4,417 |
| Average equity | $10,357,600 | 4,685 |
| Average total loans | $77,613,400 | 3,945 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 2,327 |
| Cost of funding earning assets | 0.6782% | 1,269 |
| Net interest margin | 3.6968% | 3,034 |
| Noninterest income to average assets | 0.4275% | 4,041 |
| Noninterest expense to average assets | 2.8479% | 3,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6436% | 4,244 |
| Return on assets (ROA) | 0.6400% | 4,357 |
| Pretax return on assets | 0.8780% | 4,084 |
| Return on Equity (ROE) | 6.8523% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.2542% | 2,247 |
| Net charge-offs to loans | 0.4821% | 816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.6246% | 3,867 |
| Efficiency ratio | 76.3346% | 2,437 |
| Assets per employee ($millions) | 4.2109% | 3,460 |
| Cash dividends to net income (ytd only)* | 8.7284% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 6,050 |
| Loan loss allowance to noncurrent loans | 39.7507% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 2.1936% | 1,262 |
| Noncurrent loans to loans | 1.8241% | 1,762 |
| Net loans and leases to total assets | 69.1221% | 2,339 |
| Net loans and leases to deposits | 80.6509% | 2,598 |
| Net loans and leases to core deposits | 91.0362% | 2,111 |
| Total domestic deposits to total assets | 85.7054% | 3,012 |
| Equity capital to assets | 9.2600% | 5,069 |
| Core capital (leverage) ratio | 9.4940% | 4,387 |
| Tier 1 risk-based capital ratio | 13.7315% | 4,400 |
| Total risk-based capital ratio | 14.4770% | 4,649 |
| Memoranda: | ||
| Average total assets | $109,787,500 | 4,425 |
| Average earning assets | $98,101,250 | 4,493 |
| Average equity | $10,254,250 | 4,736 |
| Average total loans | $76,599,500 | 4,007 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 2,202 |
| Cost of funding earning assets | 0.6850% | 1,271 |
| Net interest margin | 3.7069% | 2,936 |
| Noninterest income to average assets | 0.4148% | 4,135 |
| Noninterest expense to average assets | 2.7561% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7040% | 3,821 |
| Return on assets (ROA) | 0.6987% | 3,935 |
| Pretax return on assets | 0.9734% | 3,598 |
| Return on Equity (ROE) | 7.4584% | 3,386 |
| Retained earnings to average equity (ytd only) | 6.5532% | 2,007 |
| Net charge-offs to loans | 0.6944% | 552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.0228% | 3,667 |
| Efficiency ratio | 73.7543% | 3,017 |
| Assets per employee ($millions) | 4.3347% | 3,203 |
| Cash dividends to net income (ytd only)* | 12.1372% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 6,040 |
| Loan loss allowance to noncurrent loans | 23.3797% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 2.4897% | 1,141 |
| Noncurrent loans to loans | 3.3096% | 836 |
| Net loans and leases to total assets | 69.5814% | 2,144 |
| Net loans and leases to deposits | 80.5633% | 2,441 |
| Net loans and leases to core deposits | 91.0720% | 2,023 |
| Total domestic deposits to total assets | 86.3687% | 2,839 |
| Equity capital to assets | 9.6200% | 4,600 |
| Core capital (leverage) ratio | 9.5312% | 4,282 |
| Tier 1 risk-based capital ratio | 14.3012% | 4,061 |
| Total risk-based capital ratio | 15.1080% | 4,299 |
| Memoranda: | ||
| Average total assets | $108,485,670 | 4,482 |
| Average earning assets | $97,225,000 | 4,551 |
| Average equity | $10,163,000 | 4,766 |
| Average total loans | $75,745,670 | 4,053 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 2,269 |
| Cost of funding earning assets | 0.6871% | 1,327 |
| Net interest margin | 3.6825% | 2,939 |
| Noninterest income to average assets | 0.3943% | 4,235 |
| Noninterest expense to average assets | 2.6680% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7297% | 3,546 |
| Return on assets (ROA) | 0.7297% | 3,624 |
| Pretax return on assets | 1.0245% | 3,231 |
| Return on Equity (ROE) | 7.8947% | 2,980 |
| Retained earnings to average equity (ytd only) | 6.9777% | 2,058 |
| Net charge-offs to loans | 0.0212% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 593 |
| Efficiency ratio | 72.2555% | 3,441 |
| Assets per employee ($millions) | 4.0232% | 3,907 |
| Cash dividends to net income (ytd only)* | 11.6162% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,070 |
| Loan loss allowance to noncurrent loans | 61.5105% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 2,500 |
| Noncurrent loans to loans | 1.8078% | 2,125 |
| Net loans and leases to total assets | 69.3434% | 2,005 |
| Net loans and leases to deposits | 79.3956% | 2,381 |
| Net loans and leases to core deposits | 89.5564% | 1,952 |
| Total domestic deposits to total assets | 87.3391% | 2,608 |
| Equity capital to assets | 9.3560% | 4,688 |
| Core capital (leverage) ratio | 9.4095% | 4,410 |
| Tier 1 risk-based capital ratio | 14.2340% | 4,174 |
| Total risk-based capital ratio | 15.4084% | 4,170 |
| Memoranda: | ||
| Average total assets | $108,544,500 | 4,522 |
| Average earning assets | $97,215,500 | 4,591 |
| Average equity | $10,032,000 | 4,810 |
| Average total loans | $75,622,500 | 4,080 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 3,036 |
| Cost of funding earning assets | 0.7301% | 1,623 |
| Net interest margin | 3.5507% | 3,679 |
| Noninterest income to average assets | 0.6585% | 2,763 |
| Noninterest expense to average assets | 2.6251% | 4,374 |
| Loan and lease loss provision to assets | 0.2638% | 1,347 |
| Net operating income to assets | 0.6923% | 3,827 |
| Return on assets (ROA) | 0.6904% | 3,939 |
| Pretax return on assets | 0.9696% | 3,482 |
| Return on Equity (ROE) | 7.8495% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.3014% | 1,315 |
| Net charge-offs to loans | 0.1358% | 3,447 |
| Credit loss provision to net charge-offs | 295.9184% | 770 |
| Earnings coverage of net charge-offs (x) | 13.8673% | 1,981 |
| Efficiency ratio | 67.9859% | 4,201 |
| Assets per employee ($millions) | 4.3385% | 3,199 |
| Cash dividends to net income (ytd only)* | 6.9829% | 4,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 4,979 |
| Loan loss allowance to noncurrent loans | 60.9599% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4208% | 2,618 |
| Noncurrent loans to loans | 1.8595% | 2,156 |
| Net loans and leases to total assets | 68.4307% | 2,276 |
| Net loans and leases to deposits | 78.7811% | 2,619 |
| Net loans and leases to core deposits | 88.9152% | 2,141 |
| Total domestic deposits to total assets | 86.8619% | 2,797 |
| Equity capital to assets | 9.1285% | 4,891 |
| Core capital (leverage) ratio | 9.3299% | 4,506 |
| Tier 1 risk-based capital ratio | 14.1029% | 4,225 |
| Total risk-based capital ratio | 15.2921% | 4,209 |
| Memoranda: | ||
| Average total assets | $109,938,600 | 4,501 |
| Average earning assets | $99,164,400 | 4,535 |
| Average equity | $9,669,400 | 4,930 |
| Average total loans | $72,150,400 | 4,188 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 3,275 |
| Cost of funding earning assets | 0.7377% | 1,683 |
| Net interest margin | 3.4921% | 3,913 |
| Noninterest income to average assets | 0.3276% | 5,069 |
| Noninterest expense to average assets | 2.5504% | 4,551 |
| Loan and lease loss provision to assets | 0.0242% | 4,525 |
| Net operating income to assets | 0.6468% | 4,141 |
| Return on assets (ROA) | 0.6442% | 4,272 |
| Pretax return on assets | 0.9077% | 3,845 |
| Return on Equity (ROE) | 7.3937% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.0747% | 1,836 |
| Net charge-offs to loans | 0.1027% | 3,509 |
| Credit loss provision to net charge-offs | 36.3636% | 3,778 |
| Earnings coverage of net charge-offs (x) | 14.0730% | 1,972 |
| Efficiency ratio | 73.1623% | 3,197 |
| Assets per employee ($millions) | 4.2293% | 3,368 |
| Cash dividends to net income (ytd only)* | 4.3158% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 6,170 |
| Loan loss allowance to noncurrent loans | 40.0901% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 1.5678% | 2,582 |
| Noncurrent loans to loans | 2.1327% | 2,094 |
| Net loans and leases to total assets | 65.6969% | 2,688 |
| Net loans and leases to deposits | 75.4609% | 3,028 |
| Net loans and leases to core deposits | 85.7918% | 2,434 |
| Total domestic deposits to total assets | 87.0609% | 2,663 |
| Equity capital to assets | 8.8741% | 5,325 |
| Core capital (leverage) ratio | 9.1519% | 4,898 |
| Tier 1 risk-based capital ratio | 14.1876% | 4,289 |
| Total risk-based capital ratio | 15.0808% | 4,503 |
| Memoranda: | ||
| Average total assets | $110,307,500 | 4,528 |
| Average earning assets | $99,764,750 | 4,566 |
| Average equity | $9,611,500 | 5,001 |
| Average total loans | $71,419,750 | 4,246 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 3,469 |
| Cost of funding earning assets | 0.7300% | 1,843 |
| Net interest margin | 3.4415% | 4,035 |
| Noninterest income to average assets | 0.4111% | 4,438 |
| Noninterest expense to average assets | 2.5176% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7000% | 3,809 |
| Return on assets (ROA) | 0.6937% | 4,006 |
| Pretax return on assets | 0.9925% | 3,541 |
| Return on Equity (ROE) | 8.0103% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.5293% | 1,659 |
| Net charge-offs to loans | 0.1241% | 3,134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.5682% | 1,969 |
| Efficiency ratio | 71.5389% | 3,552 |
| Assets per employee ($millions) | 4.1108% | 3,557 |
| Cash dividends to net income (ytd only)* | 6.0052% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 6,277 |
| Loan loss allowance to noncurrent loans | 37.7532% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 1.6832% | 2,588 |
| Noncurrent loans to loans | 2.2287% | 2,137 |
| Net loans and leases to total assets | 67.8106% | 2,283 |
| Net loans and leases to deposits | 78.0470% | 2,568 |
| Net loans and leases to core deposits | 88.3283% | 2,075 |
| Total domestic deposits to total assets | 86.8844% | 2,893 |
| Equity capital to assets | 8.7846% | 5,458 |
| Core capital (leverage) ratio | 9.0679% | 4,882 |
| Tier 1 risk-based capital ratio | 14.1770% | 4,307 |
| Total risk-based capital ratio | 15.0716% | 4,514 |
| Memoranda: | ||
| Average total assets | $110,423,000 | 4,563 |
| Average earning assets | $99,724,330 | 4,590 |
| Average equity | $9,562,670 | 5,049 |
| Average total loans | $70,938,330 | 4,280 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,964 |
| Cost of funding earning assets | 0.7045% | 2,170 |
| Net interest margin | 3.3324% | 4,391 |
| Noninterest income to average assets | 0.4207% | 4,309 |
| Noninterest expense to average assets | 2.4885% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6524% | 3,946 |
| Return on assets (ROA) | 0.6524% | 4,103 |
| Pretax return on assets | 0.9341% | 3,638 |
| Return on Equity (ROE) | 7.5859% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.5859% | 1,904 |
| Net charge-offs to loans | 0.2061% | 2,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.2778% | 2,092 |
| Efficiency ratio | 72.7083% | 3,482 |
| Assets per employee ($millions) | 4.1208% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 6,283 |
| Loan loss allowance to noncurrent loans | 39.0596% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 2,802 |
| Noncurrent loans to loans | 2.2798% | 2,295 |
| Net loans and leases to total assets | 64.7166% | 2,582 |
| Net loans and leases to deposits | 73.6338% | 2,972 |
| Net loans and leases to core deposits | 80.5712% | 2,739 |
| Total domestic deposits to total assets | 87.8898% | 2,387 |
| Equity capital to assets | 9.0796% | 5,386 |
| Core capital (leverage) ratio | 9.0263% | 4,843 |
| Tier 1 risk-based capital ratio | 14.1929% | 4,370 |
| Total risk-based capital ratio | 15.1170% | 4,562 |
| Memoranda: | ||
| Average total assets | $112,194,500 | 4,572 |
| Average earning assets | $101,067,000 | 4,594 |
| Average equity | $9,649,500 | 5,080 |
| Average total loans | $69,862,000 | 4,347 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 2,692 |
| Cost of funding earning assets | 0.8371% | 2,379 |
| Net interest margin | 3.8367% | 3,077 |
| Noninterest income to average assets | 0.4771% | 4,053 |
| Noninterest expense to average assets | 2.7886% | 4,062 |
| Loan and lease loss provision to assets | 0.1185% | 4,142 |
| Net operating income to assets | 0.7310% | 3,603 |
| Return on assets (ROA) | 0.7310% | 3,848 |
| Pretax return on assets | 1.0560% | 3,337 |
| Return on Equity (ROE) | 8.0491% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.0491% | 1,105 |
| Net charge-offs to loans | 0.2125% | 3,688 |
| Credit loss provision to net charge-offs | 82.7586% | 3,734 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,456 |
| Efficiency ratio | 70.3639% | 3,741 |
| Assets per employee ($millions) | 4.5095% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 6,146 |
| Loan loss allowance to noncurrent loans | 646.0784% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 4,427 |
| Noncurrent loans to loans | 0.1462% | 6,112 |
| Net loans and leases to total assets | 58.9383% | 3,810 |
| Net loans and leases to deposits | 65.8340% | 4,310 |
| Net loans and leases to core deposits | 71.3339% | 4,127 |
| Total domestic deposits to total assets | 89.5256% | 1,231 |
| Equity capital to assets | 8.1630% | 6,310 |
| Core capital (leverage) ratio | 9.1224% | 4,702 |
| Tier 1 risk-based capital ratio | 13.2047% | 4,961 |
| Total risk-based capital ratio | 14.1318% | 5,131 |
| Memoranda: | ||
| Average total assets | $101,233,400 | 4,800 |
| Average earning assets | $91,980,000 | 4,811 |
| Average equity | $9,193,600 | 5,177 |
| Average total loans | $68,230,200 | 4,415 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 2,154 |
| Cost of funding earning assets | 0.8819% | 2,296 |
| Net interest margin | 3.9778% | 2,587 |
| Noninterest income to average assets | 0.5197% | 3,804 |
| Noninterest expense to average assets | 2.8907% | 3,636 |
| Loan and lease loss provision to assets | 0.0617% | 4,943 |
| Net operating income to assets | 0.8310% | 3,304 |
| Return on assets (ROA) | 0.8310% | 3,543 |
| Pretax return on assets | 1.1793% | 3,066 |
| Return on Equity (ROE) | 8.8796% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.8796% | 1,273 |
| Net charge-offs to loans | 0.2948% | 2,963 |
| Credit loss provision to net charge-offs | 30.0000% | 4,802 |
| Earnings coverage of net charge-offs (x) | 6.0332% | 2,866 |
| Efficiency ratio | 69.9635% | 3,689 |
| Assets per employee ($millions) | 3.8525% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,541 |
| Loan loss allowance to noncurrent loans | 503.4783% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 4,362 |
| Noncurrent loans to loans | 0.1648% | 6,200 |
| Net loans and leases to total assets | 69.1010% | 2,091 |
| Net loans and leases to deposits | 78.9729% | 2,538 |
| Net loans and leases to core deposits | 86.7367% | 2,375 |
| Total domestic deposits to total assets | 87.4996% | 2,351 |
| Equity capital to assets | 9.4474% | 5,264 |
| Core capital (leverage) ratio | 9.3033% | 4,580 |
| Tier 1 risk-based capital ratio | 13.8102% | 4,687 |
| Total risk-based capital ratio | 14.6744% | 4,889 |
| Memoranda: | ||
| Average total assets | $97,229,750 | 4,953 |
| Average earning assets | $88,288,000 | 4,964 |
| Average equity | $9,099,250 | 5,240 |
| Average total loans | $67,847,000 | 4,474 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 2,261 |
| Cost of funding earning assets | 0.8974% | 2,422 |
| Net interest margin | 3.9648% | 2,658 |
| Noninterest income to average assets | 0.5319% | 3,714 |
| Noninterest expense to average assets | 2.8779% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8748% | 3,020 |
| Return on assets (ROA) | 0.8748% | 3,279 |
| Pretax return on assets | 1.2530% | 2,714 |
| Return on Equity (ROE) | 9.3785% | 2,626 |
| Retained earnings to average equity (ytd only) | 9.3785% | 1,145 |
| Net charge-offs to loans | 0.3393% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.2895% | 2,865 |
| Efficiency ratio | 69.6680% | 3,821 |
| Assets per employee ($millions) | 3.9317% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 6,611 |
| Loan loss allowance to noncurrent loans | 190.0000% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 4,449 |
| Noncurrent loans to loans | 0.4373% | 5,661 |
| Net loans and leases to total assets | 69.2175% | 2,067 |
| Net loans and leases to deposits | 79.1392% | 2,504 |
| Net loans and leases to core deposits | 87.0839% | 2,306 |
| Total domestic deposits to total assets | 87.4630% | 2,492 |
| Equity capital to assets | 9.3710% | 5,233 |
| Core capital (leverage) ratio | 9.3125% | 4,434 |
| Tier 1 risk-based capital ratio | 13.7061% | 4,658 |
| Total risk-based capital ratio | 14.5677% | 4,919 |
| Memoranda: | ||
| Average total assets | $96,251,330 | 5,005 |
| Average earning assets | $87,368,330 | 5,013 |
| Average equity | $8,978,000 | 5,273 |
| Average total loans | $67,198,000 | 4,515 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 2,322 |
| Cost of funding earning assets | 0.9167% | 2,556 |
| Net interest margin | 3.9629% | 2,657 |
| Noninterest income to average assets | 0.5376% | 3,644 |
| Noninterest expense to average assets | 2.8646% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8821% | 3,008 |
| Return on assets (ROA) | 0.8821% | 3,226 |
| Pretax return on assets | 1.2685% | 2,657 |
| Return on Equity (ROE) | 9.4792% | 2,611 |
| Retained earnings to average equity (ytd only) | 9.4792% | 1,418 |
| Net charge-offs to loans | 0.1263% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 14.3810% | 1,474 |
| Efficiency ratio | 69.3089% | 3,928 |
| Assets per employee ($millions) | 3.3376% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,241 |
| Loan loss allowance to noncurrent loans | 147.0067% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 4,646 |
| Noncurrent loans to loans | 0.6811% | 5,297 |
| Net loans and leases to total assets | 67.7315% | 2,161 |
| Net loans and leases to deposits | 77.5614% | 2,588 |
| Net loans and leases to core deposits | 85.1945% | 2,384 |
| Total domestic deposits to total assets | 87.3263% | 2,754 |
| Equity capital to assets | 9.2674% | 5,135 |
| Core capital (leverage) ratio | 9.4489% | 4,120 |
| Tier 1 risk-based capital ratio | 13.8878% | 4,536 |
| Total risk-based capital ratio | 14.9275% | 4,680 |
| Memoranda: | ||
| Average total assets | $95,230,500 | 5,053 |
| Average earning assets | $86,401,500 | 5,068 |
| Average equity | $8,861,500 | 5,322 |
| Average total loans | $66,494,000 | 4,566 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 2,823 |
| Cost of funding earning assets | 1.1431% | 2,392 |
| Net interest margin | 3.8691% | 3,474 |
| Noninterest income to average assets | 0.4940% | 3,892 |
| Noninterest expense to average assets | 3.3003% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4639% | 4,569 |
| Return on assets (ROA) | -0.0859% | 6,227 |
| Pretax return on assets | -0.1794% | 6,272 |
| Return on Equity (ROE) | -0.8881% | 6,235 |
| Retained earnings to average equity (ytd only) | -0.8881% | 5,986 |
| Net charge-offs to loans | 0.0374% | 5,941 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 26.3750% | 943 |
| Efficiency ratio | 82.9196% | 1,894 |
| Assets per employee ($millions) | 3.2300% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 6,095 |
| Loan loss allowance to noncurrent loans | 304.0000% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 5,344 |
| Noncurrent loans to loans | 0.3370% | 6,056 |
| Net loans and leases to total assets | 70.5487% | 1,917 |
| Net loans and leases to deposits | 80.8167% | 2,386 |
| Net loans and leases to core deposits | 87.9477% | 2,383 |
| Total domestic deposits to total assets | 87.2948% | 2,584 |
| Equity capital to assets | 9.3445% | 5,097 |
| Core capital (leverage) ratio | 9.2496% | 4,390 |
| Tier 1 risk-based capital ratio | 13.7236% | 4,538 |
| Total risk-based capital ratio | 14.8098% | 4,625 |
| Memoranda: | ||
| Average total assets | $93,113,800 | 5,096 |
| Average earning assets | $83,895,800 | 5,122 |
| Average equity | $9,007,600 | 5,272 |
| Average total loans | $64,131,000 | 4,708 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 3,016 |
| Cost of funding earning assets | 1.1889% | 2,391 |
| Net interest margin | 3.8252% | 3,745 |
| Noninterest income to average assets | 0.4790% | 4,050 |
| Noninterest expense to average assets | 3.2151% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4982% | 4,559 |
| Return on assets (ROA) | -0.2682% | 6,522 |
| Pretax return on assets | -0.4962% | 6,616 |
| Return on Equity (ROE) | -2.7486% | 6,542 |
| Retained earnings to average equity (ytd only) | -2.7486% | 6,389 |
| Net charge-offs to loans | 0.0231% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 44.4431% | 716 |
| Efficiency ratio | 82.0945% | 1,959 |
| Assets per employee ($millions) | 3.3131% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 5,967 |
| Loan loss allowance to noncurrent loans | 341.6667% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 5,536 |
| Noncurrent loans to loans | 0.3152% | 6,216 |
| Net loans and leases to total assets | 69.0102% | 2,272 |
| Net loans and leases to deposits | 79.2802% | 2,761 |
| Net loans and leases to core deposits | 85.8001% | 2,803 |
| Total domestic deposits to total assets | 87.0459% | 2,626 |
| Equity capital to assets | 9.3752% | 5,269 |
| Core capital (leverage) ratio | 9.0186% | 4,897 |
| Tier 1 risk-based capital ratio | 13.9750% | 4,368 |
| Total risk-based capital ratio | 15.1141% | 4,402 |
| Memoranda: | ||
| Average total assets | $92,974,750 | 5,139 |
| Average earning assets | $83,549,500 | 5,172 |
| Average equity | $9,071,250 | 5,288 |
| Average total loans | $63,472,000 | 4,777 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9733% | 3,294 |
| Cost of funding earning assets | 1.2307% | 2,377 |
| Net interest margin | 3.7426% | 4,070 |
| Noninterest income to average assets | 0.4621% | 4,167 |
| Noninterest expense to average assets | 3.2157% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4523% | 4,707 |
| Return on assets (ROA) | -0.3676% | 6,621 |
| Pretax return on assets | -0.6814% | 6,755 |
| Return on Equity (ROE) | -3.7190% | 6,639 |
| Retained earnings to average equity (ytd only) | -3.7190% | 6,447 |
| Net charge-offs to loans | 0.0285% | 5,431 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 897 |
| Efficiency ratio | 84.2817% | 1,785 |
| Assets per employee ($millions) | 3.1537% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,895 |
| Loan loss allowance to noncurrent loans | 325.1163% | 977 |
| Noncurrent assets plus other real estate owned to assets | 3.0810% | 2,176 |
| Noncurrent loans to loans | 0.3433% | 6,228 |
| Net loans and leases to total assets | 65.4505% | 3,148 |
| Net loans and leases to deposits | 75.6897% | 3,532 |
| Net loans and leases to core deposits | 81.1948% | 3,623 |
| Total domestic deposits to total assets | 86.4721% | 3,054 |
| Equity capital to assets | 9.9755% | 4,185 |
| Core capital (leverage) ratio | 10.4435% | 2,768 |
| Tier 1 risk-based capital ratio | 13.5755% | 4,474 |
| Total risk-based capital ratio | 14.5419% | 4,671 |
| Memoranda: | ||
| Average total assets | $93,044,330 | 5,166 |
| Average earning assets | $83,365,000 | 5,219 |
| Average equity | $9,196,000 | 5,265 |
| Average total loans | $63,057,670 | 4,829 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 3,057 |
| Cost of funding earning assets | 1.2600% | 2,431 |
| Net interest margin | 3.7510% | 3,835 |
| Noninterest income to average assets | 0.4466% | 4,319 |
| Noninterest expense to average assets | 3.2777% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4304% | 4,805 |
| Return on assets (ROA) | -1.0319% | 7,062 |
| Pretax return on assets | -1.7602% | 7,219 |
| Return on Equity (ROE) | -10.4904% | 7,041 |
| Retained earnings to average equity (ytd only) | -10.4904% | 6,891 |
| Net charge-offs to loans | 0.0316% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 993 |
| Efficiency ratio | 86.2030% | 1,693 |
| Assets per employee ($millions) | 3.3384% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,965 |
| Loan loss allowance to noncurrent loans | 590.7563% | 567 |
| Noncurrent assets plus other real estate owned to assets | 2.6178% | 2,623 |
| Noncurrent loans to loans | 0.1898% | 6,589 |
| Net loans and leases to total assets | 66.3275% | 2,925 |
| Net loans and leases to deposits | 76.9228% | 3,271 |
| Net loans and leases to core deposits | 82.3119% | 3,413 |
| Total domestic deposits to total assets | 86.2261% | 3,383 |
| Equity capital to assets | 9.7011% | 4,177 |
| Core capital (leverage) ratio | 10.5591% | 2,548 |
| Tier 1 risk-based capital ratio | 13.6727% | 4,309 |
| Total risk-based capital ratio | 14.6582% | 4,479 |
| Memoranda: | ||
| Average total assets | $92,260,500 | 5,229 |
| Average earning assets | $82,538,500 | 5,287 |
| Average equity | $9,075,000 | 5,297 |
| Average total loans | $63,275,000 | 4,859 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 2,782 |
| Cost of funding earning assets | 1.5247% | 2,504 |
| Net interest margin | 3.8514% | 3,728 |
| Noninterest income to average assets | 0.4415% | 4,585 |
| Noninterest expense to average assets | 3.0229% | 3,758 |
| Loan and lease loss provision to assets | 0.2600% | 4,708 |
| Net operating income to assets | 0.6113% | 3,622 |
| Return on assets (ROA) | 0.2267% | 5,343 |
| Pretax return on assets | 0.2428% | 5,374 |
| Return on Equity (ROE) | 2.4912% | 5,190 |
| Retained earnings to average equity (ytd only) | 1.7710% | 4,617 |
| Net charge-offs to loans | 0.0866% | 5,973 |
| Credit loss provision to net charge-offs | 417.2414% | 571 |
| Earnings coverage of net charge-offs (x) | 14.7069% | 1,321 |
| Efficiency ratio | 76.7385% | 2,917 |
| Assets per employee ($millions) | 3.5018% | 4,927 |
| Cash dividends to net income (ytd only)* | 28.9100% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,923 |
| Loan loss allowance to noncurrent loans | 366.8394% | 850 |
| Noncurrent assets plus other real estate owned to assets | 2.9600% | 2,380 |
| Noncurrent loans to loans | 0.3023% | 6,447 |
| Net loans and leases to total assets | 69.3488% | 2,702 |
| Net loans and leases to deposits | 80.3277% | 3,109 |
| Net loans and leases to core deposits | 83.9628% | 3,596 |
| Total domestic deposits to total assets | 86.3323% | 3,179 |
| Equity capital to assets | 9.9751% | 3,775 |
| Core capital (leverage) ratio | 10.9691% | 2,184 |
| Tier 1 risk-based capital ratio | 13.4754% | 4,225 |
| Total risk-based capital ratio | 14.4304% | 4,417 |
| Memoranda: | ||
| Average total assets | $93,088,600 | 5,191 |
| Average earning assets | $84,541,600 | 5,199 |
| Average equity | $8,469,800 | 5,559 |
| Average total loans | $66,984,200 | 4,789 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 2,941 |
| Cost of funding earning assets | 1.5671% | 2,567 |
| Net interest margin | 3.8185% | 3,889 |
| Noninterest income to average assets | 0.4430% | 4,615 |
| Noninterest expense to average assets | 2.9743% | 3,841 |
| Loan and lease loss provision to assets | 0.2051% | 5,003 |
| Net operating income to assets | 0.5685% | 4,012 |
| Return on assets (ROA) | 0.3661% | 5,083 |
| Pretax return on assets | 0.4786% | 4,998 |
| Return on Equity (ROE) | 4.1201% | 4,714 |
| Retained earnings to average equity (ytd only) | 3.1422% | 4,232 |
| Net charge-offs to loans | 0.1121% | 5,419 |
| Credit loss provision to net charge-offs | 252.6316% | 1,316 |
| Earnings coverage of net charge-offs (x) | 11.7014% | 1,766 |
| Efficiency ratio | 75.7895% | 2,991 |
| Assets per employee ($millions) | 3.5999% | 4,736 |
| Cash dividends to net income (ytd only)* | 23.7349% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 6,746 |
| Loan loss allowance to noncurrent loans | 455.9701% | 659 |
| Noncurrent assets plus other real estate owned to assets | 2.8312% | 2,566 |
| Noncurrent loans to loans | 0.1973% | 6,781 |
| Net loans and leases to total assets | 74.7769% | 1,623 |
| Net loans and leases to deposits | 86.0300% | 2,333 |
| Net loans and leases to core deposits | 90.5272% | 3,022 |
| Total domestic deposits to total assets | 86.9196% | 2,581 |
| Equity capital to assets | 9.2848% | 5,169 |
| Core capital (leverage) ratio | 10.2581% | 2,977 |
| Tier 1 risk-based capital ratio | 11.7969% | 5,640 |
| Total risk-based capital ratio | 12.5620% | 6,087 |
| Memoranda: | ||
| Average total assets | $93,599,000 | 5,230 |
| Average earning assets | $85,337,750 | 5,219 |
| Average equity | $8,316,750 | 5,687 |
| Average total loans | $67,768,250 | 4,839 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2485% | 3,720 |
| Cost of funding earning assets | 1.5930% | 2,696 |
| Net interest margin | 3.6555% | 4,556 |
| Noninterest income to average assets | 0.4473% | 4,545 |
| Noninterest expense to average assets | 2.8819% | 4,141 |
| Loan and lease loss provision to assets | 0.2025% | 4,847 |
| Net operating income to assets | 0.5293% | 4,200 |
| Return on assets (ROA) | 0.4325% | 4,770 |
| Pretax return on assets | 0.5823% | 4,615 |
| Return on Equity (ROE) | 4.9376% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.9376% | 2,944 |
| Net charge-offs to loans | 0.2008% | 4,406 |
| Credit loss provision to net charge-offs | 141.1765% | 2,828 |
| Earnings coverage of net charge-offs (x) | 6.3824% | 2,465 |
| Efficiency ratio | 75.8889% | 3,095 |
| Assets per employee ($millions) | 3.7020% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 7,036 |
| Loan loss allowance to noncurrent loans | 264.1148% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 3.2458% | 2,167 |
| Noncurrent loans to loans | 0.3024% | 6,619 |
| Net loans and leases to total assets | 74.0710% | 1,896 |
| Net loans and leases to deposits | 89.7454% | 1,904 |
| Net loans and leases to core deposits | 93.8901% | 2,734 |
| Total domestic deposits to total assets | 82.5347% | 4,770 |
| Equity capital to assets | 9.2686% | 5,048 |
| Core capital (leverage) ratio | 9.9349% | 3,240 |
| Tier 1 risk-based capital ratio | 11.6705% | 5,610 |
| Total risk-based capital ratio | 12.3570% | 6,116 |
| Memoranda: | ||
| Average total assets | $94,799,670 | 5,223 |
| Average earning assets | $86,881,670 | 5,212 |
| Average equity | $8,303,670 | 5,694 |
| Average total loans | $67,721,670 | 4,876 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0402% | 4,832 |
| Cost of funding earning assets | 1.6484% | 2,662 |
| Net interest margin | 3.3918% | 5,613 |
| Noninterest income to average assets | 0.4921% | 4,108 |
| Noninterest expense to average assets | 2.8439% | 4,307 |
| Loan and lease loss provision to assets | 0.2002% | 4,498 |
| Net operating income to assets | 0.4447% | 4,640 |
| Return on assets (ROA) | 0.3211% | 5,337 |
| Pretax return on assets | 0.4128% | 5,248 |
| Return on Equity (ROE) | 3.7715% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.7715% | 3,883 |
| Net charge-offs to loans | 0.0239% | 5,245 |
| Credit loss provision to net charge-offs | 1,200.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 46.2500% | 603 |
| Efficiency ratio | 78.6621% | 2,782 |
| Assets per employee ($millions) | 3.9122% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 7,025 |
| Loan loss allowance to noncurrent loans | 114.5161% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 2.8495% | 2,536 |
| Noncurrent loans to loans | 0.7349% | 5,854 |
| Net loans and leases to total assets | 68.4273% | 3,291 |
| Net loans and leases to deposits | 82.7432% | 3,152 |
| Net loans and leases to core deposits | 86.6053% | 3,811 |
| Total domestic deposits to total assets | 82.6984% | 4,759 |
| Equity capital to assets | 8.6774% | 5,764 |
| Core capital (leverage) ratio | 9.5880% | 3,657 |
| Tier 1 risk-based capital ratio | 11.3420% | 5,820 |
| Total risk-based capital ratio | 12.0380% | 6,336 |
| Memoranda: | ||
| Average total assets | $95,925,000 | 5,262 |
| Average earning assets | $88,330,500 | 5,226 |
| Average equity | $8,166,500 | 5,785 |
| Average total loans | $67,030,500 | 4,962 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7197% | 3,009 |
| Cost of funding earning assets | 2.1540% | 2,219 |
| Net interest margin | 3.5657% | 4,674 |
| Noninterest income to average assets | 0.5131% | 4,310 |
| Noninterest expense to average assets | 2.8711% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9174% | 2,117 |
| Return on assets (ROA) | 0.1366% | 5,158 |
| Pretax return on assets | 0.1266% | 5,163 |
| Return on Equity (ROE) | 1.6265% | 5,046 |
| Retained earnings to average equity (ytd only) | 0.5686% | 4,585 |
| Net charge-offs to loans | 0.0618% | 6,484 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 20.4250% | 1,041 |
| Efficiency ratio | 75.9847% | 3,532 |
| Assets per employee ($millions) | 3.9185% | 3,978 |
| Cash dividends to net income (ytd only)* | 65.0407% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 7,176 |
| Loan loss allowance to noncurrent loans | 129.7767% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 1.2143% | 4,667 |
| Noncurrent loans to loans | 0.6054% | 6,029 |
| Net loans and leases to total assets | 70.2267% | 3,205 |
| Net loans and leases to deposits | 85.0217% | 3,082 |
| Net loans and leases to core deposits | 136.6522% | 928 |
| Total domestic deposits to total assets | 82.5986% | 4,707 |
| Equity capital to assets | 8.3429% | 6,137 |
| Core capital (leverage) ratio | 9.8076% | 3,313 |
| Tier 1 risk-based capital ratio | 10.3476% | 6,542 |
| Total risk-based capital ratio | 10.9648% | 7,064 |
| Memoranda: | ||
| Average total assets | $90,034,200 | 5,390 |
| Average earning assets | $82,451,200 | 5,383 |
| Average equity | $7,562,400 | 6,067 |
| Average total loans | $64,675,200 | 5,079 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8787% | 2,541 |
| Cost of funding earning assets | 2.2598% | 2,153 |
| Net interest margin | 3.6189% | 4,412 |
| Noninterest income to average assets | 0.4927% | 4,547 |
| Noninterest expense to average assets | 2.9457% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6091% | 3,582 |
| Return on assets (ROA) | 0.1498% | 5,382 |
| Pretax return on assets | 0.2097% | 5,274 |
| Return on Equity (ROE) | 1.7798% | 5,238 |
| Retained earnings to average equity (ytd only) | 0.8365% | 4,832 |
| Net charge-offs to loans | 0.0748% | 5,943 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 15.8885% | 1,510 |
| Efficiency ratio | 77.4714% | 3,241 |
| Assets per employee ($millions) | 3.7080% | 4,408 |
| Cash dividends to net income (ytd only)* | 52.9963% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 7,137 |
| Loan loss allowance to noncurrent loans | 129.0954% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4428% | 4,221 |
| Noncurrent loans to loans | 0.6165% | 6,073 |
| Net loans and leases to total assets | 73.9519% | 2,537 |
| Net loans and leases to deposits | 90.4272% | 2,499 |
| Net loans and leases to core deposits | 147.5936% | 642 |
| Total domestic deposits to total assets | 81.7806% | 4,778 |
| Equity capital to assets | 8.7557% | 5,872 |
| Core capital (leverage) ratio | 9.8348% | 3,475 |
| Tier 1 risk-based capital ratio | 9.7401% | 7,204 |
| Total risk-based capital ratio | 10.3320% | 7,595 |
| Memoranda: | ||
| Average total assets | $89,031,750 | 5,456 |
| Average earning assets | $81,421,750 | 5,441 |
| Average equity | $7,491,500 | 6,153 |
| Average total loans | $64,202,250 | 5,129 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8269% | 2,917 |
| Cost of funding earning assets | 2.3622% | 2,116 |
| Net interest margin | 3.4647% | 4,948 |
| Noninterest income to average assets | 0.4964% | 4,478 |
| Noninterest expense to average assets | 2.9693% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4480% | 4,298 |
| Return on assets (ROA) | -0.1729% | 6,159 |
| Pretax return on assets | -0.2740% | 6,209 |
| Return on Equity (ROE) | -2.0835% | 6,236 |
| Retained earnings to average equity (ytd only) | -2.7870% | 5,929 |
| Net charge-offs to loans | 0.0725% | 5,490 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 13.4783% | 1,737 |
| Efficiency ratio | 81.0049% | 2,884 |
| Assets per employee ($millions) | 3.6497% | 4,454 |
| Cash dividends to net income (ytd only)* | -33.7662% | 7,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 7,071 |
| Loan loss allowance to noncurrent loans | 181.2081% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 6,607 |
| Noncurrent loans to loans | 0.4544% | 6,388 |
| Net loans and leases to total assets | 74.2511% | 2,635 |
| Net loans and leases to deposits | 90.9813% | 2,658 |
| Net loans and leases to core deposits | 142.2435% | 924 |
| Total domestic deposits to total assets | 81.6113% | 4,856 |
| Equity capital to assets | 9.0670% | 5,220 |
| Core capital (leverage) ratio | 9.3431% | 4,111 |
| Tier 1 risk-based capital ratio | 10.5161% | 6,366 |
| Total risk-based capital ratio | 11.1855% | 6,926 |
| Memoranda: | ||
| Average total assets | $89,044,670 | 5,493 |
| Average earning assets | $81,450,330 | 5,489 |
| Average equity | $7,391,330 | 6,225 |
| Average total loans | $63,489,670 | 5,192 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7506% | 3,528 |
| Cost of funding earning assets | 2.4095% | 2,254 |
| Net interest margin | 3.3411% | 5,364 |
| Noninterest income to average assets | 0.5080% | 4,251 |
| Noninterest expense to average assets | 2.9943% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4188% | 4,783 |
| Return on assets (ROA) | 0.4188% | 4,958 |
| Pretax return on assets | 0.5659% | 4,861 |
| Return on Equity (ROE) | 5.2839% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.2839% | 2,970 |
| Net charge-offs to loans | 0.1473% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.5217% | 2,659 |
| Efficiency ratio | 84.1051% | 2,295 |
| Assets per employee ($millions) | 4.2595% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 6,915 |
| Loan loss allowance to noncurrent loans | 380.9859% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 7,115 |
| Noncurrent loans to loans | 0.2255% | 6,890 |
| Net loans and leases to total assets | 66.6130% | 4,440 |
| Net loans and leases to deposits | 80.4742% | 4,536 |
| Net loans and leases to core deposits | 123.9979% | 2,079 |
| Total domestic deposits to total assets | 82.7756% | 4,256 |
| Equity capital to assets | 8.6778% | 5,802 |
| Core capital (leverage) ratio | 9.8103% | 3,624 |
| Tier 1 risk-based capital ratio | 10.6341% | 6,255 |
| Total risk-based capital ratio | 11.2937% | 6,785 |
| Memoranda: | ||
| Average total assets | $89,771,000 | 5,493 |
| Average earning assets | $82,009,500 | 5,486 |
| Average equity | $7,116,000 | 6,368 |
| Average total loans | $62,445,500 | 5,269 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6458% | 2,265 |
| Cost of funding earning assets | 2.9778% | 1,951 |
| Net interest margin | 3.6680% | 4,607 |
| Noninterest income to average assets | 0.5053% | 4,582 |
| Noninterest expense to average assets | 3.2698% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4131% | 5,102 |
| Return on assets (ROA) | 0.0324% | 6,134 |
| Pretax return on assets | -0.0124% | 6,169 |
| Return on Equity (ROE) | 0.4061% | 6,107 |
| Retained earnings to average equity (ytd only) | -0.5154% | 5,440 |
| Net charge-offs to loans | 0.0320% | 6,376 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,307 |
| Efficiency ratio | 84.8788% | 1,967 |
| Assets per employee ($millions) | 3.5763% | 4,483 |
| Cash dividends to net income (ytd only)* | 226.9231% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 6,610 |
| Loan loss allowance to noncurrent loans | 303.7634% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 6,704 |
| Noncurrent loans to loans | 0.3004% | 6,479 |
| Net loans and leases to total assets | 71.4908% | 3,689 |
| Net loans and leases to deposits | 85.3780% | 4,199 |
| Net loans and leases to core deposits | 133.2306% | 1,638 |
| Total domestic deposits to total assets | 83.7345% | 3,467 |
| Equity capital to assets | 7.1069% | 7,679 |
| Core capital (leverage) ratio | 7.7624% | 6,850 |
| Tier 1 risk-based capital ratio | 9.5004% | 7,307 |
| Total risk-based capital ratio | 10.3092% | 7,719 |
| Memoranda: | ||
| Average total assets | $80,341,800 | 5,689 |
| Average earning assets | $73,309,000 | 5,695 |
| Average equity | $6,402,600 | 6,677 |
| Average total loans | $56,335,000 | 5,432 |