Home > Pioneer Community Bank, Inc. > Performance and Condition Ratios
Pioneer Community Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 2,145 |
| Cost of funding earning assets | 0.8725% | 3,578 |
| Net interest margin | 4.0916% | 1,085 |
| Noninterest income to average assets | 2.6200% | 208 |
| Noninterest expense to average assets | 3.5603% | 539 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 2.0870% | 407 |
| Return on assets (ROA) | 2.0870% | 398 |
| Pretax return on assets | 2.7070% | 278 |
| Return on Equity (ROE) | 18.0700% | 807 |
| Retained earnings to average equity (ytd only) | 16.6771% | 232 |
| Net charge-offs to loans | 0.1178% | 815 |
| Credit loss provision to net charge-offs | 67.6259% | 2,108 |
| Earnings coverage of net charge-offs (x) | 32.0576% | 1,595 |
| Efficiency ratio | 56.2837% | 3,471 |
| Assets per employee ($millions) | 3.9810% | 4,165 |
| Cash dividends to net income (ytd only)* | 7.7312% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 2,803 |
| Loan loss allowance to noncurrent loans | 521.9608% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 1,685 |
| Noncurrent loans to loans | 0.2118% | 2,462 |
| Net loans and leases to total assets | 72.9500% | 1,477 |
| Net loans and leases to deposits | 84.0236% | 1,777 |
| Net loans and leases to core deposits | 88.8475% | 2,125 |
| Total domestic deposits to total assets | 86.8200% | 1,743 |
| Equity capital to assets | 12.7815% | 907 |
| Core capital (leverage) ratio | 14.4548% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $161,137,400 | 3,268 |
| Average earning assets | $145,787,000 | 3,289 |
| Average equity | $18,606,400 | 2,969 |
| Average total loans | $118,034,600 | 2,976 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 2,334 |
| Cost of funding earning assets | 0.8270% | 3,459 |
| Net interest margin | 3.9411% | 1,320 |
| Noninterest income to average assets | 2.9800% | 197 |
| Noninterest expense to average assets | 3.6309% | 479 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.2372% | 354 |
| Return on assets (ROA) | 2.2372% | 348 |
| Pretax return on assets | 2.8755% | 261 |
| Return on Equity (ROE) | 19.9200% | 731 |
| Retained earnings to average equity (ytd only) | 19.1617% | 291 |
| Net charge-offs to loans | 0.1510% | 554 |
| Credit loss provision to net charge-offs | 30.8271% | 1,967 |
| Earnings coverage of net charge-offs (x) | 26.3534% | 1,669 |
| Efficiency ratio | 55.5147% | 3,443 |
| Assets per employee ($millions) | 3.8727% | 4,210 |
| Cash dividends to net income (ytd only)* | 3.7848% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 2,894 |
| Loan loss allowance to noncurrent loans | 224.6503% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 1,297 |
| Noncurrent loans to loans | 0.4869% | 1,606 |
| Net loans and leases to total assets | 71.4300% | 1,644 |
| Net loans and leases to deposits | 81.5166% | 1,937 |
| Net loans and leases to core deposits | 86.1545% | 2,180 |
| Total domestic deposits to total assets | 87.6300% | 1,693 |
| Equity capital to assets | 12.0447% | 1,029 |
| Core capital (leverage) ratio | 14.4147% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $160,616,750 | 3,287 |
| Average earning assets | $145,268,000 | 3,305 |
| Average equity | $18,042,500 | 3,004 |
| Average total loans | $117,443,250 | 2,985 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 2,322 |
| Cost of funding earning assets | 0.7765% | 3,277 |
| Net interest margin | 3.8675% | 1,493 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.2137% | 778 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5902% | 3,599 |
| Return on assets (ROA) | 0.5902% | 3,609 |
| Pretax return on assets | 0.7678% | 3,467 |
| Return on Equity (ROE) | 5.3900% | 3,823 |
| Retained earnings to average equity (ytd only) | 4.5988% | 3,053 |
| Net charge-offs to loans | 0.2265% | 361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4.6165% | 2,210 |
| Efficiency ratio | 80.7161% | 797 |
| Assets per employee ($millions) | 3.9294% | 4,212 |
| Cash dividends to net income (ytd only)* | 14.6186% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 3,201 |
| Loan loss allowance to noncurrent loans | 263.0021% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 1,223 |
| Noncurrent loans to loans | 0.3989% | 1,736 |
| Net loans and leases to total assets | 72.8300% | 1,428 |
| Net loans and leases to deposits | 82.2986% | 1,804 |
| Net loans and leases to core deposits | 86.9476% | 2,005 |
| Total domestic deposits to total assets | 88.5000% | 1,427 |
| Equity capital to assets | 11.0072% | 1,384 |
| Core capital (leverage) ratio | 13.0277% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $159,938,000 | 3,297 |
| Average earning assets | $144,487,333 | 3,318 |
| Average equity | $17,526,333 | 3,059 |
| Average total loans | $117,433,333 | 2,981 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 2,307 |
| Cost of funding earning assets | 0.7153% | 3,007 |
| Net interest margin | 3.7878% | 1,717 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 3.2807% | 717 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4819% | 3,939 |
| Return on assets (ROA) | 0.4819% | 3,900 |
| Pretax return on assets | 0.6577% | 3,745 |
| Return on Equity (ROE) | 4.4100% | 3,971 |
| Retained earnings to average equity (ytd only) | 3.6274% | 3,364 |
| Net charge-offs to loans | 0.4552% | 181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.9699% | 1,947 |
| Efficiency ratio | 83.3015% | 628 |
| Assets per employee ($millions) | 3.9325% | 4,280 |
| Cash dividends to net income (ytd only)* | 17.7083% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,252 |
| Loan loss allowance to noncurrent loans | 225.7713% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 1,161 |
| Noncurrent loans to loans | 0.4694% | 1,544 |
| Net loans and leases to total assets | 72.0400% | 1,424 |
| Net loans and leases to deposits | 81.3719% | 1,718 |
| Net loans and leases to core deposits | 85.3903% | 1,905 |
| Total domestic deposits to total assets | 88.5300% | 1,723 |
| Equity capital to assets | 10.9644% | 1,354 |
| Core capital (leverage) ratio | 12.9794% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $159,355,000 | 3,344 |
| Average earning assets | $143,724,500 | 3,365 |
| Average equity | $17,423,000 | 3,096 |
| Average total loans | $116,861,000 | 3,015 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 1,496 |
| Cost of funding earning assets | 0.2802% | 3,041 |
| Net interest margin | 3.8109% | 1,140 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 3.2580% | 670 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9211% | 2,880 |
| Return on assets (ROA) | 0.9211% | 2,827 |
| Pretax return on assets | 1.0003% | 3,076 |
| Return on Equity (ROE) | 7.9900% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.5722% | 2,419 |
| Net charge-offs to loans | 0.0074% | 2,128 |
| Credit loss provision to net charge-offs | 1,625.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 205.5000% | 636 |
| Efficiency ratio | 74.9962% | 1,116 |
| Assets per employee ($millions) | 3.8410% | 4,336 |
| Cash dividends to net income (ytd only)* | 17.7188% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,472 |
| Loan loss allowance to noncurrent loans | 178.5992% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 846 |
| Noncurrent loans to loans | 0.6628% | 1,123 |
| Net loans and leases to total assets | 73.0000% | 1,313 |
| Net loans and leases to deposits | 84.7212% | 1,405 |
| Net loans and leases to core deposits | 88.0179% | 1,605 |
| Total domestic deposits to total assets | 86.1600% | 2,680 |
| Equity capital to assets | 10.8180% | 1,335 |
| Core capital (leverage) ratio | 13.1999% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $151,348,200 | 3,429 |
| Average earning assets | $135,612,400 | 3,461 |
| Average equity | $17,452,400 | 3,167 |
| Average total loans | $108,429,000 | 3,041 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 1,247 |
| Cost of funding earning assets | 0.2434% | 2,776 |
| Net interest margin | 3.7675% | 1,003 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 3.2359% | 651 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0964% | 2,123 |
| Return on assets (ROA) | 1.0964% | 2,083 |
| Pretax return on assets | 1.1454% | 2,574 |
| Return on Equity (ROE) | 9.3600% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.5892% | 1,793 |
| Net charge-offs to loans | 0.0113% | 1,695 |
| Credit loss provision to net charge-offs | 1,166.6667% | 372 |
| Earnings coverage of net charge-offs (x) | 154.6667% | 734 |
| Efficiency ratio | 72.3150% | 1,475 |
| Assets per employee ($millions) | 3.9413% | 4,345 |
| Cash dividends to net income (ytd only)* | 8.1981% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,578 |
| Loan loss allowance to noncurrent loans | 227.8246% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 1,091 |
| Noncurrent loans to loans | 0.5228% | 1,494 |
| Net loans and leases to total assets | 72.9100% | 1,188 |
| Net loans and leases to deposits | 82.3422% | 1,418 |
| Net loans and leases to core deposits | 85.5209% | 1,555 |
| Total domestic deposits to total assets | 88.5500% | 2,256 |
| Equity capital to assets | 10.9714% | 1,191 |
| Core capital (leverage) ratio | 13.5177% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $149,815,500 | 3,470 |
| Average earning assets | $134,196,000 | 3,501 |
| Average equity | $17,556,500 | 3,192 |
| Average total loans | $106,453,500 | 3,075 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 1,107 |
| Cost of funding earning assets | 0.2271% | 2,549 |
| Net interest margin | 3.6763% | 949 |
| Noninterest income to average assets | 1.4086% | 365 |
| Noninterest expense to average assets | 3.2185% | 610 |
| Loan and lease loss provision to assets | 0.0539% | 1,612 |
| Net operating income to assets | 1.3749% | 968 |
| Return on assets (ROA) | 1.3749% | 948 |
| Pretax return on assets | 1.4274% | 1,369 |
| Return on Equity (ROE) | 11.4801% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.7380% | 836 |
| Net charge-offs to loans | 0.0134% | 1,512 |
| Credit loss provision to net charge-offs | 571.4286% | 593 |
| Earnings coverage of net charge-offs (x) | 157.1429% | 620 |
| Efficiency ratio | 68.4814% | 2,176 |
| Assets per employee ($millions) | 3.7839% | 4,457 |
| Cash dividends to net income (ytd only)* | 6.4643% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 2,839 |
| Loan loss allowance to noncurrent loans | 228.3688% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 1,137 |
| Noncurrent loans to loans | 0.5129% | 1,598 |
| Net loans and leases to total assets | 71.8009% | 1,124 |
| Net loans and leases to deposits | 81.5022% | 1,279 |
| Net loans and leases to core deposits | 84.5470% | 1,420 |
| Total domestic deposits to total assets | 88.0969% | 2,535 |
| Equity capital to assets | 11.4102% | 1,058 |
| Core capital (leverage) ratio | 13.6915% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,517,667 | 3,516 |
| Average earning assets | $132,958,333 | 3,565 |
| Average equity | $17,787,333 | 3,255 |
| Average total loans | $104,129,000 | 3,132 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 1,040 |
| Cost of funding earning assets | 0.2189% | 2,545 |
| Net interest margin | 3.6086% | 880 |
| Noninterest income to average assets | 1.7947% | 281 |
| Noninterest expense to average assets | 3.1435% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1455% | 171 |
| Return on assets (ROA) | 2.1455% | 171 |
| Pretax return on assets | 1.8790% | 463 |
| Return on Equity (ROE) | 17.4886% | 374 |
| Retained earnings to average equity (ytd only) | 16.7793% | 191 |
| Net charge-offs to loans | 0.0237% | 1,088 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 115.1667% | 623 |
| Efficiency ratio | 62.5880% | 3,195 |
| Assets per employee ($millions) | 3.6507% | 4,515 |
| Cash dividends to net income (ytd only)* | 4.0558% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,749 |
| Loan loss allowance to noncurrent loans | 291.1422% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0322% | 481 |
| Noncurrent loans to loans | 0.4197% | 1,983 |
| Net loans and leases to total assets | 67.4548% | 1,265 |
| Net loans and leases to deposits | 77.0961% | 1,355 |
| Net loans and leases to core deposits | 80.3107% | 1,458 |
| Total domestic deposits to total assets | 87.4945% | 2,748 |
| Equity capital to assets | 11.9316% | 983 |
| Core capital (leverage) ratio | 13.3315% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,098,500 | 3,539 |
| Average earning assets | $131,573,000 | 3,597 |
| Average equity | $18,046,000 | 3,321 |
| Average total loans | $101,212,000 | 3,167 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 1,501 |
| Cost of funding earning assets | 0.2899% | 2,508 |
| Net interest margin | 3.6566% | 1,327 |
| Noninterest income to average assets | 2.1862% | 270 |
| Noninterest expense to average assets | 3.4642% | 505 |
| Loan and lease loss provision to assets | 0.0576% | 1,906 |
| Net operating income to assets | 1.3532% | 1,428 |
| Return on assets (ROA) | 1.3532% | 1,470 |
| Pretax return on assets | 1.9367% | 677 |
| Return on Equity (ROE) | 10.8093% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.4279% | 1,063 |
| Net charge-offs to loans | 0.0519% | 1,285 |
| Credit loss provision to net charge-offs | 160.7843% | 1,451 |
| Earnings coverage of net charge-offs (x) | 55.6275% | 1,231 |
| Efficiency ratio | 63.4643% | 2,646 |
| Assets per employee ($millions) | 3.5249% | 4,579 |
| Cash dividends to net income (ytd only)* | 12.7792% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,612 |
| Loan loss allowance to noncurrent loans | 261.4583% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 875 |
| Noncurrent loans to loans | 0.4790% | 1,932 |
| Net loans and leases to total assets | 68.4720% | 1,214 |
| Net loans and leases to deposits | 78.9285% | 1,302 |
| Net loans and leases to core deposits | 82.5478% | 1,419 |
| Total domestic deposits to total assets | 86.7519% | 2,597 |
| Equity capital to assets | 12.6163% | 1,026 |
| Core capital (leverage) ratio | 12.6039% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,254,600 | 3,563 |
| Average earning assets | $127,305,600 | 3,608 |
| Average equity | $17,808,800 | 3,404 |
| Average total loans | $98,180,400 | 3,224 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 1,724 |
| Cost of funding earning assets | 0.3082% | 2,519 |
| Net interest margin | 3.6041% | 1,593 |
| Noninterest income to average assets | 2.9981% | 192 |
| Noninterest expense to average assets | 3.4159% | 518 |
| Loan and lease loss provision to assets | 0.0028% | 2,912 |
| Net operating income to assets | 2.1540% | 348 |
| Return on assets (ROA) | 2.1540% | 368 |
| Pretax return on assets | 2.8033% | 227 |
| Return on Equity (ROE) | 17.2398% | 736 |
| Retained earnings to average equity (ytd only) | 16.5093% | 265 |
| Net charge-offs to loans | 0.0164% | 1,743 |
| Credit loss provision to net charge-offs | 25.0000% | 1,972 |
| Earnings coverage of net charge-offs (x) | 248.5000% | 486 |
| Efficiency ratio | 54.9002% | 3,678 |
| Assets per employee ($millions) | 3.5464% | 4,630 |
| Cash dividends to net income (ytd only)* | 4.2377% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 3,010 |
| Loan loss allowance to noncurrent loans | 155.7692% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0963% | 577 |
| Noncurrent loans to loans | 0.7676% | 1,471 |
| Net loans and leases to total assets | 69.0453% | 1,186 |
| Net loans and leases to deposits | 79.8267% | 1,308 |
| Net loans and leases to core deposits | 83.1186% | 1,485 |
| Total domestic deposits to total assets | 86.4941% | 2,558 |
| Equity capital to assets | 12.9681% | 990 |
| Core capital (leverage) ratio | 12.8275% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,688,500 | 3,608 |
| Average earning assets | $126,742,250 | 3,645 |
| Average equity | $17,702,750 | 3,454 |
| Average total loans | $97,673,000 | 3,277 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 1,829 |
| Cost of funding earning assets | 0.3425% | 2,383 |
| Net interest margin | 3.5522% | 1,706 |
| Noninterest income to average assets | 1.6248% | 466 |
| Noninterest expense to average assets | 3.3108% | 606 |
| Loan and lease loss provision to assets | 0.0043% | 2,796 |
| Net operating income to assets | 1.1762% | 2,273 |
| Return on assets (ROA) | 1.1762% | 2,337 |
| Pretax return on assets | 1.4852% | 2,065 |
| Return on Equity (ROE) | 9.5390% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.7884% | 1,784 |
| Net charge-offs to loans | 0.0228% | 1,487 |
| Credit loss provision to net charge-offs | 27.2727% | 1,710 |
| Earnings coverage of net charge-offs (x) | 95.0909% | 775 |
| Efficiency ratio | 68.9706% | 1,766 |
| Assets per employee ($millions) | 3.5335% | 4,659 |
| Cash dividends to net income (ytd only)* | 7.8692% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,041 |
| Loan loss allowance to noncurrent loans | 139.6096% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 535 |
| Noncurrent loans to loans | 0.8470% | 1,453 |
| Net loans and leases to total assets | 70.1407% | 1,181 |
| Net loans and leases to deposits | 80.3662% | 1,397 |
| Net loans and leases to core deposits | 84.2488% | 1,541 |
| Total domestic deposits to total assets | 87.2764% | 2,184 |
| Equity capital to assets | 12.0257% | 1,349 |
| Core capital (leverage) ratio | 12.0081% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,450,333 | 3,632 |
| Average earning assets | $125,554,667 | 3,671 |
| Average equity | $17,318,333 | 3,484 |
| Average total loans | $96,361,000 | 3,305 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 1,993 |
| Cost of funding earning assets | 0.3728% | 2,331 |
| Net interest margin | 3.4625% | 1,924 |
| Noninterest income to average assets | 1.4641% | 628 |
| Noninterest expense to average assets | 3.2437% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9607% | 2,930 |
| Return on assets (ROA) | 0.9607% | 3,026 |
| Pretax return on assets | 1.3108% | 2,539 |
| Return on Equity (ROE) | 7.6912% | 3,417 |
| Retained earnings to average equity (ytd only) | 6.9267% | 2,597 |
| Net charge-offs to loans | 0.0387% | 1,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 896 |
| Efficiency ratio | 71.2198% | 1,581 |
| Assets per employee ($millions) | 3.4726% | 4,699 |
| Cash dividends to net income (ytd only)* | 9.9398% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,576 |
| Loan loss allowance to noncurrent loans | 191.3386% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 650 |
| Noncurrent loans to loans | 0.6625% | 1,917 |
| Net loans and leases to total assets | 66.4627% | 1,738 |
| Net loans and leases to deposits | 76.3213% | 1,875 |
| Net loans and leases to core deposits | 79.5941% | 2,041 |
| Total domestic deposits to total assets | 87.0828% | 2,280 |
| Equity capital to assets | 12.1797% | 1,213 |
| Core capital (leverage) ratio | 12.6260% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,239,000 | 3,661 |
| Average earning assets | $123,380,000 | 3,701 |
| Average equity | $17,266,500 | 3,494 |
| Average total loans | $93,126,000 | 3,361 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 1,154 |
| Cost of funding earning assets | 0.4899% | 3,014 |
| Net interest margin | 4.0809% | 818 |
| Noninterest income to average assets | 0.7289% | 1,750 |
| Noninterest expense to average assets | 3.6575% | 559 |
| Loan and lease loss provision to assets | 0.0430% | 3,866 |
| Net operating income to assets | 0.6311% | 3,649 |
| Return on assets (ROA) | 0.6311% | 3,778 |
| Pretax return on assets | 0.6350% | 4,003 |
| Return on Equity (ROE) | 4.6800% | 3,982 |
| Retained earnings to average equity (ytd only) | 3.3285% | 3,162 |
| Net charge-offs to loans | 0.1248% | 1,256 |
| Credit loss provision to net charge-offs | 47.7876% | 3,155 |
| Earnings coverage of net charge-offs (x) | 7.5398% | 2,689 |
| Efficiency ratio | 84.3612% | 605 |
| Assets per employee ($millions) | 3.2708% | 4,729 |
| Cash dividends to net income (ytd only)* | 28.8777% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 2,180 |
| Loan loss allowance to noncurrent loans | 266.0870% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 1.1081% | 824 |
| Noncurrent loans to loans | 0.5088% | 2,446 |
| Net loans and leases to total assets | 66.5061% | 2,017 |
| Net loans and leases to deposits | 76.8818% | 2,184 |
| Net loans and leases to core deposits | 79.9129% | 2,371 |
| Total domestic deposits to total assets | 86.5043% | 2,146 |
| Equity capital to assets | 12.8201% | 1,170 |
| Core capital (leverage) ratio | 12.9418% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,661,200 | 3,679 |
| Average earning assets | $111,053,000 | 3,752 |
| Average equity | $16,944,600 | 3,456 |
| Average total loans | $90,573,400 | 3,390 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 1,198 |
| Cost of funding earning assets | 0.5051% | 3,187 |
| Net interest margin | 4.1366% | 834 |
| Noninterest income to average assets | 0.9205% | 1,170 |
| Noninterest expense to average assets | 3.8277% | 445 |
| Loan and lease loss provision to assets | 0.0558% | 3,655 |
| Net operating income to assets | 0.7284% | 3,360 |
| Return on assets (ROA) | 0.7284% | 3,457 |
| Pretax return on assets | 0.6863% | 3,934 |
| Return on Equity (ROE) | 5.3308% | 3,779 |
| Retained earnings to average equity (ytd only) | 4.6595% | 2,717 |
| Net charge-offs to loans | 0.1104% | 1,237 |
| Credit loss provision to net charge-offs | 69.3333% | 2,815 |
| Earnings coverage of net charge-offs (x) | 9.1733% | 2,447 |
| Efficiency ratio | 83.7544% | 620 |
| Assets per employee ($millions) | 3.1758% | 4,792 |
| Cash dividends to net income (ytd only)* | 12.5926% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,068 |
| Loan loss allowance to noncurrent loans | 174.0331% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 688 |
| Noncurrent loans to loans | 0.7607% | 1,907 |
| Net loans and leases to total assets | 72.1294% | 1,647 |
| Net loans and leases to deposits | 83.7807% | 1,930 |
| Net loans and leases to core deposits | 86.9484% | 2,239 |
| Total domestic deposits to total assets | 86.0931% | 2,023 |
| Equity capital to assets | 13.2211% | 1,098 |
| Core capital (leverage) ratio | 13.0646% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,551,000 | 3,697 |
| Average earning assets | $109,008,500 | 3,774 |
| Average equity | $16,882,750 | 3,463 |
| Average total loans | $90,614,250 | 3,401 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 1,289 |
| Cost of funding earning assets | 0.5215% | 3,408 |
| Net interest margin | 4.2242% | 873 |
| Noninterest income to average assets | 1.0253% | 938 |
| Noninterest expense to average assets | 3.9132% | 452 |
| Loan and lease loss provision to assets | 0.0857% | 3,207 |
| Net operating income to assets | 0.5637% | 3,851 |
| Return on assets (ROA) | 0.5637% | 3,931 |
| Pretax return on assets | 0.7517% | 3,737 |
| Return on Equity (ROE) | 4.0782% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.3985% | 3,227 |
| Net charge-offs to loans | 0.1661% | 897 |
| Credit loss provision to net charge-offs | 70.2703% | 2,546 |
| Earnings coverage of net charge-offs (x) | 6.8649% | 2,409 |
| Efficiency ratio | 82.3734% | 733 |
| Assets per employee ($millions) | 3.1008% | 4,825 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 1,731 |
| Loan loss allowance to noncurrent loans | 217.4138% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2693% | 836 |
| Noncurrent loans to loans | 0.6246% | 2,296 |
| Net loans and leases to total assets | 70.3334% | 1,981 |
| Net loans and leases to deposits | 81.4704% | 2,261 |
| Net loans and leases to core deposits | 84.9443% | 2,527 |
| Total domestic deposits to total assets | 86.3300% | 1,879 |
| Equity capital to assets | 13.0027% | 1,163 |
| Core capital (leverage) ratio | 13.0303% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,331,667 | 3,709 |
| Average earning assets | $107,001,333 | 3,789 |
| Average equity | $16,772,000 | 3,481 |
| Average total loans | $89,092,667 | 3,432 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 805 |
| Cost of funding earning assets | 0.5412% | 3,735 |
| Net interest margin | 4.5516% | 447 |
| Noninterest income to average assets | 0.6981% | 1,658 |
| Noninterest expense to average assets | 3.8056% | 618 |
| Loan and lease loss provision to assets | 0.0582% | 3,030 |
| Net operating income to assets | 0.6160% | 3,556 |
| Return on assets (ROA) | 0.6160% | 3,611 |
| Pretax return on assets | 0.8350% | 3,319 |
| Return on Equity (ROE) | 4.3137% | 3,865 |
| Retained earnings to average equity (ytd only) | 3.6427% | 2,825 |
| Net charge-offs to loans | 0.2385% | 599 |
| Credit loss provision to net charge-offs | 32.6923% | 2,140 |
| Earnings coverage of net charge-offs (x) | 5.0192% | 2,091 |
| Efficiency ratio | 80.9905% | 1,044 |
| Assets per employee ($millions) | 2.7232% | 4,894 |
| Cash dividends to net income (ytd only)* | 15.5556% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 1,578 |
| Loan loss allowance to noncurrent loans | 124.8000% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 564 |
| Noncurrent loans to loans | 1.1475% | 1,448 |
| Net loans and leases to total assets | 71.6898% | 1,966 |
| Net loans and leases to deposits | 83.9898% | 2,225 |
| Net loans and leases to core deposits | 86.3870% | 2,649 |
| Total domestic deposits to total assets | 85.3554% | 2,264 |
| Equity capital to assets | 14.0111% | 1,052 |
| Core capital (leverage) ratio | 14.0981% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9925% | 444 |
| Memoranda: | ||
| Average total assets | $116,880,500 | 3,752 |
| Average earning assets | $102,733,000 | 3,842 |
| Average equity | $16,691,000 | 3,501 |
| Average total loans | $87,209,500 | 3,455 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 1,225 |
| Cost of funding earning assets | 0.4356% | 4,319 |
| Net interest margin | 4.6588% | 514 |
| Noninterest income to average assets | 0.6548% | 1,992 |
| Noninterest expense to average assets | 4.2442% | 401 |
| Loan and lease loss provision to assets | 0.0317% | 3,382 |
| Net operating income to assets | 0.3860% | 4,617 |
| Return on assets (ROA) | 0.3860% | 4,647 |
| Pretax return on assets | 0.4503% | 4,642 |
| Return on Equity (ROE) | 2.6463% | 4,721 |
| Retained earnings to average equity (ytd only) | 1.2627% | 4,286 |
| Net charge-offs to loans | 0.7512% | 221 |
| Credit loss provision to net charge-offs | 5.6693% | 3,371 |
| Earnings coverage of net charge-offs (x) | 0.8614% | 3,587 |
| Efficiency ratio | 89.8005% | 361 |
| Assets per employee ($millions) | 2.4770% | 5,003 |
| Cash dividends to net income (ytd only)* | 52.2831% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,305 |
| Loan loss allowance to noncurrent loans | 106.9167% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 2.0431% | 375 |
| Noncurrent loans to loans | 1.3750% | 1,080 |
| Net loans and leases to total assets | 75.4682% | 1,509 |
| Net loans and leases to deposits | 88.9539% | 1,706 |
| Net loans and leases to core deposits | 91.6581% | 2,260 |
| Total domestic deposits to total assets | 84.8397% | 2,557 |
| Equity capital to assets | 14.5635% | 913 |
| Core capital (leverage) ratio | 14.3727% | 833 |
| Tier 1 risk-based capital ratio | 23.9977% | 829 |
| Total risk-based capital ratio | 25.2558% | 806 |
| Memoranda: | ||
| Average total assets | $113,473,000 | 3,783 |
| Average earning assets | $99,168,000 | 3,885 |
| Average equity | $16,551,600 | 3,491 |
| Average total loans | $84,528,000 | 3,516 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1480% | 1,161 |
| Cost of funding earning assets | 0.4127% | 4,456 |
| Net interest margin | 4.7353% | 466 |
| Noninterest income to average assets | 0.6775% | 1,878 |
| Noninterest expense to average assets | 4.1332% | 455 |
| Loan and lease loss provision to assets | 0.0423% | 3,053 |
| Net operating income to assets | 0.5258% | 4,458 |
| Return on assets (ROA) | 0.5258% | 4,508 |
| Pretax return on assets | 0.6046% | 4,535 |
| Return on Equity (ROE) | 3.6031% | 4,653 |
| Retained earnings to average equity (ytd only) | 2.9260% | 3,924 |
| Net charge-offs to loans | 0.9939% | 147 |
| Credit loss provision to net charge-offs | 5.7600% | 3,017 |
| Earnings coverage of net charge-offs (x) | 0.8800% | 3,337 |
| Efficiency ratio | 86.4665% | 475 |
| Assets per employee ($millions) | 2.3655% | 5,112 |
| Cash dividends to net income (ytd only)* | 18.7923% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 1,143 |
| Loan loss allowance to noncurrent loans | 106.5952% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 2.1234% | 390 |
| Noncurrent loans to loans | 1.4433% | 1,056 |
| Net loans and leases to total assets | 72.8788% | 2,021 |
| Net loans and leases to deposits | 86.2677% | 2,165 |
| Net loans and leases to core deposits | 88.1930% | 2,712 |
| Total domestic deposits to total assets | 84.4798% | 2,638 |
| Equity capital to assets | 14.7593% | 915 |
| Core capital (leverage) ratio | 14.6245% | 829 |
| Tier 1 risk-based capital ratio | 25.4630% | 740 |
| Total risk-based capital ratio | 26.7220% | 727 |
| Memoranda: | ||
| Average total assets | $113,355,750 | 3,830 |
| Average earning assets | $98,210,500 | 3,936 |
| Average equity | $16,541,000 | 3,511 |
| Average total loans | $83,841,750 | 3,565 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 1,442 |
| Cost of funding earning assets | 0.3832% | 4,572 |
| Net interest margin | 4.6327% | 577 |
| Noninterest income to average assets | 0.7556% | 1,499 |
| Noninterest expense to average assets | 4.1926% | 418 |
| Loan and lease loss provision to assets | 0.0618% | 2,586 |
| Net operating income to assets | 0.4307% | 4,672 |
| Return on assets (ROA) | 0.4307% | 4,697 |
| Pretax return on assets | 0.5349% | 4,645 |
| Return on Equity (ROE) | 2.9632% | 4,797 |
| Retained earnings to average equity (ytd only) | 2.2831% | 4,020 |
| Net charge-offs to loans | 1.3799% | 87 |
| Credit loss provision to net charge-offs | 6.0554% | 2,709 |
| Earnings coverage of net charge-offs (x) | 0.5848% | 3,083 |
| Efficiency ratio | 87.5415% | 460 |
| Assets per employee ($millions) | 2.3983% | 5,148 |
| Cash dividends to net income (ytd only)* | 22.9508% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 964 |
| Loan loss allowance to noncurrent loans | 128.2567% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 2.1361% | 410 |
| Noncurrent loans to loans | 1.2689% | 1,249 |
| Net loans and leases to total assets | 70.3102% | 2,484 |
| Net loans and leases to deposits | 82.9327% | 2,625 |
| Net loans and leases to core deposits | 84.9539% | 3,032 |
| Total domestic deposits to total assets | 84.7798% | 2,572 |
| Equity capital to assets | 14.4036% | 981 |
| Core capital (leverage) ratio | 14.5076% | 823 |
| Tier 1 risk-based capital ratio | 25.7777% | 702 |
| Total risk-based capital ratio | 27.0377% | 686 |
| Memoranda: | ||
| Average total assets | $113,293,670 | 3,855 |
| Average earning assets | $98,646,330 | 3,946 |
| Average equity | $16,468,670 | 3,518 |
| Average total loans | $83,775,330 | 3,587 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9822% | 1,375 |
| Cost of funding earning assets | 0.3614% | 4,642 |
| Net interest margin | 4.6208% | 583 |
| Noninterest income to average assets | 0.6193% | 1,955 |
| Noninterest expense to average assets | 3.9650% | 561 |
| Loan and lease loss provision to assets | 0.1281% | 1,361 |
| Net operating income to assets | 0.3808% | 4,765 |
| Return on assets (ROA) | 0.3808% | 4,777 |
| Pretax return on assets | 0.5303% | 4,622 |
| Return on Equity (ROE) | 2.6078% | 4,869 |
| Retained earnings to average equity (ytd only) | 1.9254% | 4,086 |
| Net charge-offs to loans | 2.4608% | 43 |
| Credit loss provision to net charge-offs | 6.9231% | 2,190 |
| Earnings coverage of net charge-offs (x) | 0.3558% | 2,668 |
| Efficiency ratio | 85.7583% | 600 |
| Assets per employee ($millions) | 2.4208% | 5,205 |
| Cash dividends to net income (ytd only)* | 26.1682% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 932 |
| Loan loss allowance to noncurrent loans | 99.9285% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 2.4416% | 323 |
| Noncurrent loans to loans | 1.6640% | 933 |
| Net loans and leases to total assets | 72.6646% | 2,048 |
| Net loans and leases to deposits | 85.8759% | 2,142 |
| Net loans and leases to core deposits | 87.5250% | 2,739 |
| Total domestic deposits to total assets | 84.6158% | 2,812 |
| Equity capital to assets | 14.4622% | 889 |
| Core capital (leverage) ratio | 14.6661% | 771 |
| Tier 1 risk-based capital ratio | 25.3155% | 739 |
| Total risk-based capital ratio | 26.5760% | 716 |
| Memoranda: | ||
| Average total assets | $112,382,000 | 3,902 |
| Average earning assets | $97,386,500 | 4,022 |
| Average equity | $16,412,500 | 3,543 |
| Average total loans | $84,524,000 | 3,601 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 888 |
| Cost of funding earning assets | 0.2549% | 4,781 |
| Net interest margin | 4.8262% | 376 |
| Noninterest income to average assets | 0.6425% | 2,075 |
| Noninterest expense to average assets | 4.1040% | 468 |
| Loan and lease loss provision to assets | 0.2341% | 761 |
| Net operating income to assets | 0.5378% | 4,575 |
| Return on assets (ROA) | 0.5378% | 4,573 |
| Pretax return on assets | 0.6205% | 4,597 |
| Return on Equity (ROE) | 3.7606% | 4,767 |
| Retained earnings to average equity (ytd only) | 2.3512% | 4,206 |
| Net charge-offs to loans | 0.1598% | 1,204 |
| Credit loss provision to net charge-offs | 188.6525% | 1,515 |
| Earnings coverage of net charge-offs (x) | 6.8865% | 3,041 |
| Efficiency ratio | 82.7654% | 722 |
| Assets per employee ($millions) | 2.5810% | 5,186 |
| Cash dividends to net income (ytd only)* | 37.4795% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 325 |
| Loan loss allowance to noncurrent loans | 135.7864% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 2.1850% | 406 |
| Noncurrent loans to loans | 1.6311% | 895 |
| Net loans and leases to total assets | 74.8669% | 1,789 |
| Net loans and leases to deposits | 88.7194% | 1,962 |
| Net loans and leases to core deposits | 90.4668% | 2,533 |
| Total domestic deposits to total assets | 84.3862% | 2,874 |
| Equity capital to assets | 14.7497% | 775 |
| Core capital (leverage) ratio | 14.6991% | 758 |
| Tier 1 risk-based capital ratio | 25.4174% | 718 |
| Total risk-based capital ratio | 26.6873% | 698 |
| Memoranda: | ||
| Average total assets | $113,619,600 | 3,891 |
| Average earning assets | $101,612,600 | 3,954 |
| Average equity | $16,247,200 | 3,494 |
| Average total loans | $88,228,800 | 3,510 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0390% | 866 |
| Cost of funding earning assets | 0.2274% | 4,905 |
| Net interest margin | 4.8116% | 371 |
| Noninterest income to average assets | 0.6662% | 1,993 |
| Noninterest expense to average assets | 4.0508% | 494 |
| Loan and lease loss provision to assets | 0.0560% | 2,852 |
| Net operating income to assets | 0.7304% | 4,139 |
| Return on assets (ROA) | 0.7304% | 4,145 |
| Pretax return on assets | 0.8797% | 4,090 |
| Return on Equity (ROE) | 5.1469% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.4481% | 3,527 |
| Net charge-offs to loans | 0.1947% | 860 |
| Credit loss provision to net charge-offs | 36.9231% | 2,931 |
| Earnings coverage of net charge-offs (x) | 6.1692% | 2,907 |
| Efficiency ratio | 81.2354% | 838 |
| Assets per employee ($millions) | 2.3578% | 5,320 |
| Cash dividends to net income (ytd only)* | 13.5781% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9325% | 556 |
| Loan loss allowance to noncurrent loans | 101.5152% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 2.4932% | 348 |
| Noncurrent loans to loans | 1.9037% | 795 |
| Net loans and leases to total assets | 78.3712% | 1,283 |
| Net loans and leases to deposits | 93.3450% | 1,462 |
| Net loans and leases to core deposits | 95.2316% | 2,191 |
| Total domestic deposits to total assets | 83.9586% | 2,958 |
| Equity capital to assets | 15.2254% | 673 |
| Core capital (leverage) ratio | 14.6372% | 791 |
| Tier 1 risk-based capital ratio | 25.3057% | 724 |
| Total risk-based capital ratio | 26.5727% | 710 |
| Memoranda: | ||
| Average total assets | $114,278,250 | 3,921 |
| Average earning assets | $102,609,750 | 3,977 |
| Average equity | $16,216,500 | 3,519 |
| Average total loans | $89,042,750 | 3,527 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9265% | 963 |
| Cost of funding earning assets | 0.2095% | 4,986 |
| Net interest margin | 4.7170% | 417 |
| Noninterest income to average assets | 0.6798% | 1,958 |
| Noninterest expense to average assets | 4.0372% | 502 |
| Loan and lease loss provision to assets | 0.0809% | 2,292 |
| Net operating income to assets | 0.5989% | 4,496 |
| Return on assets (ROA) | 0.5989% | 4,501 |
| Pretax return on assets | 0.8243% | 4,179 |
| Return on Equity (ROE) | 4.3182% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.6109% | 3,789 |
| Net charge-offs to loans | 0.1803% | 870 |
| Credit loss provision to net charge-offs | 58.0247% | 2,440 |
| Earnings coverage of net charge-offs (x) | 6.4938% | 2,619 |
| Efficiency ratio | 81.6852% | 858 |
| Assets per employee ($millions) | 2.5682% | 5,315 |
| Cash dividends to net income (ytd only)* | 16.3793% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9569% | 560 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 2.3215% | 397 |
| Noncurrent loans to loans | 1.9569% | 776 |
| Net loans and leases to total assets | 74.6943% | 1,834 |
| Net loans and leases to deposits | 87.8912% | 2,125 |
| Net loans and leases to core deposits | 89.7853% | 2,590 |
| Total domestic deposits to total assets | 84.9850% | 2,679 |
| Equity capital to assets | 14.0805% | 910 |
| Core capital (leverage) ratio | 14.0393% | 906 |
| Tier 1 risk-based capital ratio | 25.1609% | 717 |
| Total risk-based capital ratio | 26.4280% | 705 |
| Memoranda: | ||
| Average total assets | $116,218,670 | 3,925 |
| Average earning assets | $105,023,670 | 3,967 |
| Average equity | $16,117,670 | 3,544 |
| Average total loans | $89,832,330 | 3,520 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 1,272 |
| Cost of funding earning assets | 0.1935% | 5,050 |
| Net interest margin | 4.5228% | 587 |
| Noninterest income to average assets | 0.6727% | 1,946 |
| Noninterest expense to average assets | 4.0432% | 502 |
| Loan and lease loss provision to assets | 0.1647% | 1,086 |
| Net operating income to assets | 0.4428% | 4,835 |
| Return on assets (ROA) | 0.4428% | 4,835 |
| Pretax return on assets | 0.5560% | 4,778 |
| Return on Equity (ROE) | 3.2170% | 4,970 |
| Retained earnings to average equity (ytd only) | 2.5187% | 4,160 |
| Net charge-offs to loans | 0.3483% | 443 |
| Credit loss provision to net charge-offs | 60.7595% | 1,887 |
| Earnings coverage of net charge-offs (x) | 2.6582% | 2,442 |
| Efficiency ratio | 84.8703% | 730 |
| Assets per employee ($millions) | 2.4817% | 5,403 |
| Cash dividends to net income (ytd only)* | 21.7054% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 639 |
| Loan loss allowance to noncurrent loans | 69.1506% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.7212% | 322 |
| Noncurrent loans to loans | 2.7726% | 453 |
| Net loans and leases to total assets | 75.7007% | 1,583 |
| Net loans and leases to deposits | 88.5104% | 1,868 |
| Net loans and leases to core deposits | 90.6522% | 2,400 |
| Total domestic deposits to total assets | 85.5274% | 2,740 |
| Equity capital to assets | 13.7885% | 948 |
| Core capital (leverage) ratio | 13.9810% | 882 |
| Tier 1 risk-based capital ratio | 24.6186% | 781 |
| Total risk-based capital ratio | 25.8853% | 764 |
| Memoranda: | ||
| Average total assets | $116,542,500 | 3,958 |
| Average earning assets | $105,422,500 | 4,001 |
| Average equity | $16,040,000 | 3,586 |
| Average total loans | $90,724,500 | 3,528 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 775 |
| Cost of funding earning assets | 0.1790% | 5,100 |
| Net interest margin | 4.7321% | 397 |
| Noninterest income to average assets | 0.8631% | 1,373 |
| Noninterest expense to average assets | 3.9930% | 541 |
| Loan and lease loss provision to assets | 0.1909% | 1,100 |
| Net operating income to assets | 0.3069% | 4,916 |
| Return on assets (ROA) | 0.3069% | 4,930 |
| Pretax return on assets | 0.9433% | 3,764 |
| Return on Equity (ROE) | 2.1875% | 5,021 |
| Retained earnings to average equity (ytd only) | 0.7085% | 4,755 |
| Net charge-offs to loans | 0.2077% | 1,249 |
| Credit loss provision to net charge-offs | 115.8730% | 2,260 |
| Earnings coverage of net charge-offs (x) | 6.8836% | 3,126 |
| Efficiency ratio | 77.8779% | 1,371 |
| Assets per employee ($millions) | 2.4259% | 5,485 |
| Cash dividends to net income (ytd only)* | 67.6136% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9229% | 620 |
| Loan loss allowance to noncurrent loans | 80.9392% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 2.4535% | 388 |
| Noncurrent loans to loans | 2.3757% | 585 |
| Net loans and leases to total assets | 77.0044% | 1,426 |
| Net loans and leases to deposits | 89.9242% | 1,782 |
| Net loans and leases to core deposits | 93.7635% | 2,215 |
| Total domestic deposits to total assets | 85.6326% | 2,602 |
| Equity capital to assets | 13.7379% | 977 |
| Core capital (leverage) ratio | 13.6434% | 923 |
| Tier 1 risk-based capital ratio | 24.1689% | 802 |
| Total risk-based capital ratio | 25.4360% | 785 |
| Memoranda: | ||
| Average total assets | $114,701,000 | 3,982 |
| Average earning assets | $103,357,000 | 4,036 |
| Average equity | $16,091,400 | 3,578 |
| Average total loans | $90,999,200 | 3,506 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 789 |
| Cost of funding earning assets | 0.1645% | 5,229 |
| Net interest margin | 4.7169% | 394 |
| Noninterest income to average assets | 0.8751% | 1,353 |
| Noninterest expense to average assets | 3.8926% | 599 |
| Loan and lease loss provision to assets | 0.1447% | 1,454 |
| Net operating income to assets | 0.6523% | 4,180 |
| Return on assets (ROA) | 0.6523% | 4,233 |
| Pretax return on assets | 1.0863% | 3,355 |
| Return on Equity (ROE) | 4.6249% | 4,663 |
| Retained earnings to average equity (ytd only) | 3.8390% | 3,634 |
| Net charge-offs to loans | 0.1144% | 1,647 |
| Credit loss provision to net charge-offs | 158.9744% | 1,612 |
| Earnings coverage of net charge-offs (x) | 13.5253% | 2,344 |
| Efficiency ratio | 75.9736% | 1,596 |
| Assets per employee ($millions) | 2.4211% | 5,544 |
| Cash dividends to net income (ytd only)* | 16.9943% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 669 |
| Loan loss allowance to noncurrent loans | 67.3632% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.8241% | 338 |
| Noncurrent loans to loans | 2.8553% | 469 |
| Net loans and leases to total assets | 77.7936% | 1,301 |
| Net loans and leases to deposits | 91.3303% | 1,647 |
| Net loans and leases to core deposits | 95.2856% | 2,150 |
| Total domestic deposits to total assets | 85.1782% | 2,646 |
| Equity capital to assets | 14.0749% | 972 |
| Core capital (leverage) ratio | 14.2532% | 823 |
| Tier 1 risk-based capital ratio | 24.3207% | 816 |
| Total risk-based capital ratio | 25.5885% | 794 |
| Memoranda: | ||
| Average total assets | $114,265,250 | 4,027 |
| Average earning assets | $102,919,250 | 4,091 |
| Average equity | $16,115,000 | 3,613 |
| Average total loans | $90,892,750 | 3,540 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 745 |
| Cost of funding earning assets | 0.1585% | 5,285 |
| Net interest margin | 4.7146% | 384 |
| Noninterest income to average assets | 0.7992% | 1,574 |
| Noninterest expense to average assets | 3.9554% | 559 |
| Loan and lease loss provision to assets | 0.1003% | 2,007 |
| Net operating income to assets | 0.5387% | 4,580 |
| Return on assets (ROA) | 0.5387% | 4,615 |
| Pretax return on assets | 0.9858% | 3,617 |
| Return on Equity (ROE) | 3.8168% | 4,873 |
| Retained earnings to average equity (ytd only) | 2.9936% | 3,933 |
| Net charge-offs to loans | 0.1459% | 1,278 |
| Credit loss provision to net charge-offs | 86.3636% | 2,188 |
| Earnings coverage of net charge-offs (x) | 9.3485% | 2,441 |
| Efficiency ratio | 78.4567% | 1,399 |
| Assets per employee ($millions) | 2.4511% | 5,572 |
| Cash dividends to net income (ytd only)* | 21.5686% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 729 |
| Loan loss allowance to noncurrent loans | 64.5137% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.9392% | 316 |
| Noncurrent loans to loans | 2.9347% | 446 |
| Net loans and leases to total assets | 77.2786% | 1,351 |
| Net loans and leases to deposits | 90.7086% | 1,642 |
| Net loans and leases to core deposits | 94.6933% | 2,092 |
| Total domestic deposits to total assets | 85.1944% | 2,735 |
| Equity capital to assets | 14.0052% | 963 |
| Core capital (leverage) ratio | 14.1497% | 816 |
| Tier 1 risk-based capital ratio | 24.9384% | 756 |
| Total risk-based capital ratio | 26.2054% | 738 |
| Memoranda: | ||
| Average total assets | $113,615,670 | 4,068 |
| Average earning assets | $102,236,330 | 4,128 |
| Average equity | $16,034,330 | 3,638 |
| Average total loans | $90,463,670 | 3,569 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 623 |
| Cost of funding earning assets | 0.1543% | 5,343 |
| Net interest margin | 4.7520% | 339 |
| Noninterest income to average assets | 0.7906% | 1,592 |
| Noninterest expense to average assets | 3.6872% | 791 |
| Loan and lease loss provision to assets | 0.1170% | 1,637 |
| Net operating income to assets | 0.7800% | 3,310 |
| Return on assets (ROA) | 0.7800% | 3,367 |
| Pretax return on assets | 1.2444% | 2,431 |
| Return on Equity (ROE) | 5.5053% | 4,144 |
| Retained earnings to average equity (ytd only) | 4.5544% | 3,150 |
| Net charge-offs to loans | 0.2347% | 765 |
| Credit loss provision to net charge-offs | 62.2642% | 1,893 |
| Earnings coverage of net charge-offs (x) | 7.2453% | 2,155 |
| Efficiency ratio | 73.0337% | 2,400 |
| Assets per employee ($millions) | 2.4737% | 5,630 |
| Cash dividends to net income (ytd only)* | 17.2727% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 772 |
| Loan loss allowance to noncurrent loans | 57.3782% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.3711% | 260 |
| Noncurrent loans to loans | 3.3317% | 376 |
| Net loans and leases to total assets | 76.9716% | 1,267 |
| Net loans and leases to deposits | 90.4655% | 1,484 |
| Net loans and leases to core deposits | 93.0351% | 2,062 |
| Total domestic deposits to total assets | 85.0839% | 3,052 |
| Equity capital to assets | 14.1287% | 868 |
| Core capital (leverage) ratio | 14.4138% | 741 |
| Tier 1 risk-based capital ratio | 25.0410% | 769 |
| Total risk-based capital ratio | 26.3092% | 750 |
| Memoranda: | ||
| Average total assets | $112,823,500 | 4,115 |
| Average earning assets | $101,095,000 | 4,187 |
| Average equity | $15,984,500 | 3,666 |
| Average total loans | $90,324,000 | 3,594 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 430 |
| Cost of funding earning assets | 0.1821% | 5,189 |
| Net interest margin | 4.9950% | 253 |
| Noninterest income to average assets | 0.8240% | 1,663 |
| Noninterest expense to average assets | 4.2922% | 452 |
| Loan and lease loss provision to assets | 0.3422% | 506 |
| Net operating income to assets | 0.4653% | 4,753 |
| Return on assets (ROA) | 0.4653% | 4,832 |
| Pretax return on assets | 0.6678% | 4,595 |
| Return on Equity (ROE) | 3.3655% | 5,055 |
| Retained earnings to average equity (ytd only) | 1.3260% | 4,747 |
| Net charge-offs to loans | 0.1879% | 1,476 |
| Credit loss provision to net charge-offs | 221.4689% | 1,296 |
| Earnings coverage of net charge-offs (x) | 6.5367% | 3,159 |
| Efficiency ratio | 80.9516% | 1,308 |
| Assets per employee ($millions) | 2.4857% | 5,664 |
| Cash dividends to net income (ytd only)* | 60.6004% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 823 |
| Loan loss allowance to noncurrent loans | 58.5622% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 3.4714% | 253 |
| Noncurrent loans to loans | 3.2281% | 391 |
| Net loans and leases to total assets | 80.1273% | 881 |
| Net loans and leases to deposits | 96.2180% | 976 |
| Net loans and leases to core deposits | 99.0605% | 1,704 |
| Total domestic deposits to total assets | 83.2769% | 3,667 |
| Equity capital to assets | 14.2074% | 825 |
| Core capital (leverage) ratio | 14.1611% | 775 |
| Tier 1 risk-based capital ratio | 24.8359% | 786 |
| Total risk-based capital ratio | 26.1047% | 768 |
| Memoranda: | ||
| Average total assets | $114,557,400 | 4,086 |
| Average earning assets | $102,702,200 | 4,146 |
| Average equity | $15,837,400 | 3,715 |
| Average total loans | $94,187,200 | 3,494 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 427 |
| Cost of funding earning assets | 0.1766% | 5,290 |
| Net interest margin | 5.0204% | 244 |
| Noninterest income to average assets | 0.8400% | 1,605 |
| Noninterest expense to average assets | 4.1260% | 516 |
| Loan and lease loss provision to assets | 0.3008% | 560 |
| Net operating income to assets | 0.5797% | 4,372 |
| Return on assets (ROA) | 0.5797% | 4,487 |
| Pretax return on assets | 0.9187% | 3,914 |
| Return on Equity (ROE) | 4.2214% | 4,824 |
| Retained earnings to average equity (ytd only) | 2.7131% | 4,267 |
| Net charge-offs to loans | 0.0717% | 2,293 |
| Credit loss provision to net charge-offs | 509.8039% | 693 |
| Earnings coverage of net charge-offs (x) | 20.6662% | 1,860 |
| Efficiency ratio | 77.1861% | 1,808 |
| Assets per employee ($millions) | 2.3963% | 5,771 |
| Cash dividends to net income (ytd only)* | 35.7286% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 903 |
| Loan loss allowance to noncurrent loans | 54.8264% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 3.6581% | 253 |
| Noncurrent loans to loans | 3.4026% | 389 |
| Net loans and leases to total assets | 80.3813% | 838 |
| Net loans and leases to deposits | 94.8455% | 1,165 |
| Net loans and leases to core deposits | 99.7257% | 1,662 |
| Total domestic deposits to total assets | 84.7497% | 2,914 |
| Equity capital to assets | 14.2461% | 951 |
| Core capital (leverage) ratio | 13.9070% | 879 |
| Tier 1 risk-based capital ratio | 20.0404% | 1,440 |
| Total risk-based capital ratio | 21.3009% | 1,402 |
| Memoranda: | ||
| Average total assets | $115,232,500 | 4,105 |
| Average earning assets | $103,414,750 | 4,156 |
| Average equity | $15,823,750 | 3,748 |
| Average total loans | $94,895,250 | 3,494 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2102% | 418 |
| Cost of funding earning assets | 0.1748% | 5,370 |
| Net interest margin | 5.0353% | 243 |
| Noninterest income to average assets | 0.8475% | 1,559 |
| Noninterest expense to average assets | 4.1826% | 501 |
| Loan and lease loss provision to assets | 0.4479% | 319 |
| Net operating income to assets | 0.3841% | 5,081 |
| Return on assets (ROA) | 0.3841% | 5,158 |
| Pretax return on assets | 0.7321% | 4,526 |
| Return on Equity (ROE) | 2.8317% | 5,291 |
| Retained earnings to average equity (ytd only) | 1.0540% | 4,966 |
| Net charge-offs to loans | 0.0418% | 2,627 |
| Credit loss provision to net charge-offs | 1,300.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 34.2500% | 1,282 |
| Efficiency ratio | 77.9955% | 1,794 |
| Assets per employee ($millions) | 2.4227% | 5,823 |
| Cash dividends to net income (ytd only)* | 62.7803% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 993 |
| Loan loss allowance to noncurrent loans | 57.7646% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 3.8063% | 257 |
| Noncurrent loans to loans | 3.1930% | 444 |
| Net loans and leases to total assets | 81.8829% | 644 |
| Net loans and leases to deposits | 96.3192% | 1,049 |
| Net loans and leases to core deposits | 100.8349% | 1,570 |
| Total domestic deposits to total assets | 85.0121% | 2,878 |
| Equity capital to assets | 13.8963% | 1,063 |
| Core capital (leverage) ratio | 13.4749% | 994 |
| Tier 1 risk-based capital ratio | 21.1192% | 1,251 |
| Total risk-based capital ratio | 22.3826% | 1,232 |
| Memoranda: | ||
| Average total assets | $116,101,000 | 4,120 |
| Average earning assets | $104,104,330 | 4,171 |
| Average equity | $15,750,000 | 3,769 |
| Average total loans | $95,776,330 | 3,487 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2573% | 379 |
| Cost of funding earning assets | 0.1709% | 5,460 |
| Net interest margin | 5.0864% | 210 |
| Noninterest income to average assets | 0.8087% | 1,591 |
| Noninterest expense to average assets | 4.2177% | 487 |
| Loan and lease loss provision to assets | 0.4709% | 269 |
| Net operating income to assets | 0.2559% | 5,425 |
| Return on assets (ROA) | 0.2559% | 5,493 |
| Pretax return on assets | 0.6893% | 4,557 |
| Return on Equity (ROE) | 1.9092% | 5,517 |
| Retained earnings to average equity (ytd only) | -0.5346% | 5,209 |
| Net charge-offs to loans | 0.0582% | 1,930 |
| Credit loss provision to net charge-offs | 985.7143% | 375 |
| Earnings coverage of net charge-offs (x) | 24.2857% | 1,338 |
| Efficiency ratio | 78.4264% | 1,832 |
| Assets per employee ($millions) | 2.4545% | 5,872 |
| Cash dividends to net income (ytd only)* | 128.0000% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 1,347 |
| Loan loss allowance to noncurrent loans | 60.7727% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 3.5315% | 314 |
| Noncurrent loans to loans | 2.8114% | 615 |
| Net loans and leases to total assets | 81.5825% | 617 |
| Net loans and leases to deposits | 97.1289% | 828 |
| Net loans and leases to core deposits | 101.6778% | 1,364 |
| Total domestic deposits to total assets | 83.9940% | 3,522 |
| Equity capital to assets | 13.6127% | 1,133 |
| Core capital (leverage) ratio | 13.3621% | 1,036 |
| Tier 1 risk-based capital ratio | 20.3268% | 1,438 |
| Total risk-based capital ratio | 21.5880% | 1,412 |
| Memoranda: | ||
| Average total assets | $117,219,000 | 4,137 |
| Average earning assets | $105,301,000 | 4,175 |
| Average equity | $15,713,500 | 3,777 |
| Average total loans | $96,170,500 | 3,492 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 410 |
| Cost of funding earning assets | 0.1651% | 5,573 |
| Net interest margin | 5.0639% | 223 |
| Noninterest income to average assets | 0.9173% | 1,388 |
| Noninterest expense to average assets | 4.4481% | 425 |
| Loan and lease loss provision to assets | 0.3895% | 360 |
| Net operating income to assets | 0.4591% | 4,847 |
| Return on assets (ROA) | 0.4591% | 4,928 |
| Pretax return on assets | 0.6330% | 4,735 |
| Return on Equity (ROE) | 3.4255% | 5,159 |
| Retained earnings to average equity (ytd only) | 1.5323% | 4,850 |
| Net charge-offs to loans | 0.1141% | 2,233 |
| Credit loss provision to net charge-offs | 417.2727% | 734 |
| Earnings coverage of net charge-offs (x) | 10.9545% | 2,642 |
| Efficiency ratio | 81.3091% | 1,498 |
| Assets per employee ($millions) | 2.4807% | 5,901 |
| Cash dividends to net income (ytd only)* | 55.2680% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 1,735 |
| Loan loss allowance to noncurrent loans | 47.5173% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 3.7077% | 301 |
| Noncurrent loans to loans | 3.2944% | 453 |
| Net loans and leases to total assets | 79.8463% | 867 |
| Net loans and leases to deposits | 94.5175% | 1,154 |
| Net loans and leases to core deposits | 98.7731% | 1,609 |
| Total domestic deposits to total assets | 84.4779% | 3,295 |
| Equity capital to assets | 13.2043% | 1,258 |
| Core capital (leverage) ratio | 13.2197% | 1,072 |
| Tier 1 risk-based capital ratio | 21.3633% | 1,237 |
| Total risk-based capital ratio | 22.6240% | 1,220 |
| Memoranda: | ||
| Average total assets | $117,848,600 | 4,100 |
| Average earning assets | $105,966,600 | 4,144 |
| Average equity | $15,793,400 | 3,711 |
| Average total loans | $96,377,600 | 3,451 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 401 |
| Cost of funding earning assets | 0.1579% | 5,729 |
| Net interest margin | 5.1003% | 207 |
| Noninterest income to average assets | 0.9267% | 1,379 |
| Noninterest expense to average assets | 4.1051% | 588 |
| Loan and lease loss provision to assets | 0.2246% | 826 |
| Net operating income to assets | 0.7430% | 3,717 |
| Return on assets (ROA) | 0.7430% | 3,806 |
| Pretax return on assets | 1.1774% | 2,902 |
| Return on Equity (ROE) | 5.5234% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.7898% | 3,060 |
| Net charge-offs to loans | 0.0166% | 3,622 |
| Credit loss provision to net charge-offs | 1,650.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 102.9975% | 608 |
| Efficiency ratio | 74.5417% | 2,466 |
| Assets per employee ($millions) | 2.4303% | 5,988 |
| Cash dividends to net income (ytd only)* | 13.2828% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 2,669 |
| Loan loss allowance to noncurrent loans | 43.6994% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 3.5472% | 360 |
| Noncurrent loans to loans | 3.1729% | 531 |
| Net loans and leases to total assets | 82.2461% | 549 |
| Net loans and leases to deposits | 97.5071% | 863 |
| Net loans and leases to core deposits | 99.8751% | 1,529 |
| Total domestic deposits to total assets | 84.3489% | 3,287 |
| Equity capital to assets | 13.7627% | 1,118 |
| Core capital (leverage) ratio | 13.3788% | 1,064 |
| Tier 1 risk-based capital ratio | 22.1265% | 1,179 |
| Total risk-based capital ratio | 23.3844% | 1,156 |
| Memoranda: | ||
| Average total assets | $117,542,000 | 4,152 |
| Average earning assets | $105,559,000 | 4,192 |
| Average equity | $15,811,000 | 3,744 |
| Average total loans | $96,324,750 | 3,483 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2304% | 409 |
| Cost of funding earning assets | 0.1570% | 5,804 |
| Net interest margin | 5.0734% | 219 |
| Noninterest income to average assets | 0.9284% | 1,363 |
| Noninterest expense to average assets | 4.0819% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8792% | 2,994 |
| Return on assets (ROA) | 0.8792% | 3,103 |
| Pretax return on assets | 1.3985% | 1,983 |
| Return on Equity (ROE) | 6.5863% | 3,838 |
| Retained earnings to average equity (ytd only) | 5.8488% | 2,328 |
| Net charge-offs to loans | 0.0271% | 3,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 63.3846% | 813 |
| Efficiency ratio | 74.4813% | 2,621 |
| Assets per employee ($millions) | 2.5231% | 6,017 |
| Cash dividends to net income (ytd only)* | 11.1969% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 3,870 |
| Loan loss allowance to noncurrent loans | 45.4905% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 3.0223% | 554 |
| Noncurrent loans to loans | 2.6080% | 844 |
| Net loans and leases to total assets | 80.7685% | 702 |
| Net loans and leases to deposits | 95.9941% | 966 |
| Net loans and leases to core deposits | 98.0057% | 1,654 |
| Total domestic deposits to total assets | 84.1391% | 3,503 |
| Equity capital to assets | 13.4374% | 1,198 |
| Core capital (leverage) ratio | 13.2481% | 1,070 |
| Tier 1 risk-based capital ratio | 22.9162% | 1,097 |
| Total risk-based capital ratio | 24.1694% | 1,068 |
| Memoranda: | ||
| Average total assets | $117,837,330 | 4,191 |
| Average earning assets | $105,728,670 | 4,223 |
| Average equity | $15,729,670 | 3,772 |
| Average total loans | $96,001,670 | 3,511 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 358 |
| Cost of funding earning assets | 0.1560% | 5,881 |
| Net interest margin | 5.1316% | 193 |
| Noninterest income to average assets | 0.9705% | 1,187 |
| Noninterest expense to average assets | 4.2260% | 541 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8650% | 2,932 |
| Return on assets (ROA) | 0.8650% | 3,048 |
| Pretax return on assets | 1.3383% | 2,123 |
| Return on Equity (ROE) | 6.5016% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.7593% | 2,627 |
| Net charge-offs to loans | -0.0251% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9486% | 2,525 |
| Assets per employee ($millions) | 2.5099% | 6,106 |
| Cash dividends to net income (ytd only)* | 11.4173% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 3,808 |
| Loan loss allowance to noncurrent loans | 55.9330% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.6669% | 766 |
| Noncurrent loans to loans | 2.1913% | 1,156 |
| Net loans and leases to total assets | 79.8601% | 701 |
| Net loans and leases to deposits | 93.1774% | 1,071 |
| Net loans and leases to core deposits | 95.1038% | 1,687 |
| Total domestic deposits to total assets | 85.7076% | 3,091 |
| Equity capital to assets | 13.3429% | 1,243 |
| Core capital (leverage) ratio | 12.0691% | 1,598 |
| Tier 1 risk-based capital ratio | 20.9773% | 1,430 |
| Total risk-based capital ratio | 22.2319% | 1,405 |
| Memoranda: | ||
| Average total assets | $117,462,500 | 4,227 |
| Average earning assets | $105,153,000 | 4,271 |
| Average equity | $15,627,000 | 3,813 |
| Average total loans | $95,537,000 | 3,530 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2313% | 492 |
| Cost of funding earning assets | 0.1602% | 6,041 |
| Net interest margin | 5.0711% | 266 |
| Noninterest income to average assets | 1.0411% | 1,132 |
| Noninterest expense to average assets | 4.1745% | 618 |
| Loan and lease loss provision to assets | 0.2330% | 1,038 |
| Net operating income to assets | 0.7954% | 3,398 |
| Return on assets (ROA) | 0.7954% | 3,495 |
| Pretax return on assets | 1.2032% | 2,638 |
| Return on Equity (ROE) | 6.1762% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.6354% | 2,872 |
| Net charge-offs to loans | 0.2403% | 1,762 |
| Credit loss provision to net charge-offs | 123.7668% | 1,934 |
| Earnings coverage of net charge-offs (x) | 7.6278% | 3,006 |
| Efficiency ratio | 74.4018% | 2,768 |
| Assets per employee ($millions) | 2.4885% | 6,168 |
| Cash dividends to net income (ytd only)* | 24.9469% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 3,910 |
| Loan loss allowance to noncurrent loans | 47.2572% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 2.9754% | 682 |
| Noncurrent loans to loans | 2.5716% | 978 |
| Net loans and leases to total assets | 80.8268% | 637 |
| Net loans and leases to deposits | 93.6537% | 1,115 |
| Net loans and leases to core deposits | 95.6425% | 1,753 |
| Total domestic deposits to total assets | 86.3039% | 2,669 |
| Equity capital to assets | 13.2644% | 1,241 |
| Core capital (leverage) ratio | 12.7052% | 1,251 |
| Tier 1 risk-based capital ratio | 21.8847% | 1,241 |
| Total risk-based capital ratio | 23.1402% | 1,218 |
| Memoranda: | ||
| Average total assets | $118,432,800 | 4,218 |
| Average earning assets | $106,722,800 | 4,251 |
| Average equity | $15,252,200 | 3,787 |
| Average total loans | $92,787,400 | 3,568 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 556 |
| Cost of funding earning assets | 0.1554% | 6,153 |
| Net interest margin | 5.0119% | 290 |
| Noninterest income to average assets | 1.0291% | 1,163 |
| Noninterest expense to average assets | 4.0436% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9495% | 2,686 |
| Return on assets (ROA) | 0.9495% | 2,774 |
| Pretax return on assets | 1.5095% | 1,617 |
| Return on Equity (ROE) | 7.4273% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.6635% | 2,005 |
| Net charge-offs to loans | 0.1767% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.0248% | 2,477 |
| Efficiency ratio | 72.8173% | 3,036 |
| Assets per employee ($millions) | 2.5656% | 6,177 |
| Cash dividends to net income (ytd only)* | 10.2840% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 4,968 |
| Loan loss allowance to noncurrent loans | 34.1632% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 2.8115% | 874 |
| Noncurrent loans to loans | 3.0865% | 850 |
| Net loans and leases to total assets | 78.5565% | 888 |
| Net loans and leases to deposits | 91.0341% | 1,323 |
| Net loans and leases to core deposits | 92.9489% | 1,960 |
| Total domestic deposits to total assets | 86.2935% | 2,704 |
| Equity capital to assets | 13.1956% | 1,333 |
| Core capital (leverage) ratio | 12.7139% | 1,297 |
| Tier 1 risk-based capital ratio | 21.4078% | 1,374 |
| Total risk-based capital ratio | 22.6596% | 1,341 |
| Memoranda: | ||
| Average total assets | $118,801,000 | 4,242 |
| Average earning assets | $107,235,000 | 4,284 |
| Average equity | $15,186,750 | 3,821 |
| Average total loans | $92,059,750 | 3,619 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3550% | 400 |
| Cost of funding earning assets | 0.1563% | 6,229 |
| Net interest margin | 5.1987% | 199 |
| Noninterest income to average assets | 0.8735% | 1,582 |
| Noninterest expense to average assets | 4.0517% | 715 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9524% | 2,543 |
| Return on assets (ROA) | 0.9524% | 2,634 |
| Pretax return on assets | 1.5152% | 1,494 |
| Return on Equity (ROE) | 7.5309% | 3,352 |
| Retained earnings to average equity (ytd only) | 6.7605% | 1,897 |
| Net charge-offs to loans | 0.1814% | 1,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.8675% | 2,205 |
| Efficiency ratio | 72.7821% | 3,195 |
| Assets per employee ($millions) | 2.6230% | 6,182 |
| Cash dividends to net income (ytd only)* | 10.2293% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 4,861 |
| Loan loss allowance to noncurrent loans | 39.7446% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 2.4688% | 1,152 |
| Noncurrent loans to loans | 2.7919% | 1,079 |
| Net loans and leases to total assets | 77.5438% | 969 |
| Net loans and leases to deposits | 89.6200% | 1,407 |
| Net loans and leases to core deposits | 91.4987% | 1,974 |
| Total domestic deposits to total assets | 86.5251% | 2,745 |
| Equity capital to assets | 12.9810% | 1,379 |
| Core capital (leverage) ratio | 12.1344% | 1,581 |
| Tier 1 risk-based capital ratio | 20.6358% | 1,531 |
| Total risk-based capital ratio | 21.8890% | 1,504 |
| Memoranda: | ||
| Average total assets | $119,062,330 | 4,261 |
| Average earning assets | $107,489,330 | 4,297 |
| Average equity | $15,058,000 | 3,845 |
| Average total loans | $91,513,670 | 3,654 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0808% | 617 |
| Cost of funding earning assets | 0.1595% | 6,297 |
| Net interest margin | 4.9214% | 312 |
| Noninterest income to average assets | 1.0571% | 1,003 |
| Noninterest expense to average assets | 3.9640% | 792 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9701% | 2,322 |
| Return on assets (ROA) | 0.9701% | 2,389 |
| Pretax return on assets | 1.5321% | 1,335 |
| Return on Equity (ROE) | 7.7717% | 3,058 |
| Retained earnings to average equity (ytd only) | 6.9945% | 2,049 |
| Net charge-offs to loans | 0.1099% | 2,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.3200% | 1,424 |
| Efficiency ratio | 72.1242% | 3,464 |
| Assets per employee ($millions) | 2.6028% | 6,289 |
| Cash dividends to net income (ytd only)* | 10.0000% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 4,655 |
| Loan loss allowance to noncurrent loans | 44.5952% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.3494% | 1,386 |
| Noncurrent loans to loans | 2.6798% | 1,262 |
| Net loans and leases to total assets | 74.9230% | 1,134 |
| Net loans and leases to deposits | 86.2226% | 1,573 |
| Net loans and leases to core deposits | 87.9962% | 2,097 |
| Total domestic deposits to total assets | 86.8948% | 2,874 |
| Equity capital to assets | 12.5790% | 1,536 |
| Core capital (leverage) ratio | 12.1437% | 1,578 |
| Tier 1 risk-based capital ratio | 20.8913% | 1,490 |
| Total risk-based capital ratio | 22.1452% | 1,468 |
| Memoranda: | ||
| Average total assets | $119,576,500 | 4,288 |
| Average earning assets | $107,856,500 | 4,320 |
| Average equity | $14,926,000 | 3,874 |
| Average total loans | $90,993,000 | 3,682 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 539 |
| Cost of funding earning assets | 0.1841% | 6,370 |
| Net interest margin | 5.1078% | 255 |
| Noninterest income to average assets | 1.3687% | 746 |
| Noninterest expense to average assets | 3.8690% | 1,033 |
| Loan and lease loss provision to assets | 0.0903% | 3,300 |
| Net operating income to assets | 1.3881% | 1,047 |
| Return on assets (ROA) | 1.3881% | 1,085 |
| Pretax return on assets | 1.9970% | 484 |
| Return on Equity (ROE) | 12.1255% | 1,378 |
| Retained earnings to average equity (ytd only) | 9.8780% | 582 |
| Net charge-offs to loans | 0.0871% | 3,983 |
| Credit loss provision to net charge-offs | 140.0000% | 1,664 |
| Earnings coverage of net charge-offs (x) | 32.3500% | 1,110 |
| Efficiency ratio | 64.9560% | 4,745 |
| Assets per employee ($millions) | 2.2532% | 6,543 |
| Cash dividends to net income (ytd only)* | 18.5357% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,560 |
| Loan loss allowance to noncurrent loans | 54.7068% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.9486% | 1,854 |
| Noncurrent loans to loans | 2.2249% | 1,745 |
| Net loans and leases to total assets | 75.4342% | 1,164 |
| Net loans and leases to deposits | 86.4656% | 1,629 |
| Net loans and leases to core deposits | 88.2408% | 2,222 |
| Total domestic deposits to total assets | 87.2419% | 2,606 |
| Equity capital to assets | 12.3855% | 1,573 |
| Core capital (leverage) ratio | 11.5210% | 1,946 |
| Tier 1 risk-based capital ratio | 20.3844% | 1,566 |
| Total risk-based capital ratio | 21.6385% | 1,535 |
| Memoranda: | ||
| Average total assets | $123,986,200 | 4,183 |
| Average earning assets | $111,358,800 | 4,234 |
| Average equity | $14,193,200 | 4,028 |
| Average total loans | $91,804,400 | 3,647 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 552 |
| Cost of funding earning assets | 0.1852% | 6,476 |
| Net interest margin | 5.0881% | 264 |
| Noninterest income to average assets | 1.4481% | 702 |
| Noninterest expense to average assets | 3.7635% | 1,136 |
| Loan and lease loss provision to assets | 0.0554% | 3,941 |
| Net operating income to assets | 1.3980% | 1,108 |
| Return on assets (ROA) | 1.3980% | 1,153 |
| Pretax return on assets | 2.1950% | 391 |
| Return on Equity (ROE) | 12.4560% | 1,362 |
| Retained earnings to average equity (ytd only) | 10.8326% | 613 |
| Net charge-offs to loans | 0.0739% | 3,884 |
| Credit loss provision to net charge-offs | 101.9608% | 2,298 |
| Earnings coverage of net charge-offs (x) | 41.4107% | 980 |
| Efficiency ratio | 62.5797% | 5,055 |
| Assets per employee ($millions) | 2.3396% | 6,574 |
| Cash dividends to net income (ytd only)* | 13.0333% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 4,932 |
| Loan loss allowance to noncurrent loans | 57.7933% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.6976% | 2,421 |
| Noncurrent loans to loans | 2.0513% | 2,192 |
| Net loans and leases to total assets | 72.5312% | 1,522 |
| Net loans and leases to deposits | 82.9258% | 2,010 |
| Net loans and leases to core deposits | 84.5600% | 2,589 |
| Total domestic deposits to total assets | 87.4652% | 2,436 |
| Equity capital to assets | 11.7388% | 2,098 |
| Core capital (leverage) ratio | 11.0845% | 2,397 |
| Tier 1 risk-based capital ratio | 19.4887% | 1,861 |
| Total risk-based capital ratio | 20.7418% | 1,829 |
| Memoranda: | ||
| Average total assets | $125,127,250 | 4,201 |
| Average earning assets | $112,285,000 | 4,256 |
| Average equity | $14,043,750 | 4,104 |
| Average total loans | $91,956,750 | 3,665 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2633% | 565 |
| Cost of funding earning assets | 0.1917% | 6,516 |
| Net interest margin | 5.0716% | 274 |
| Noninterest income to average assets | 1.2621% | 970 |
| Noninterest expense to average assets | 3.7513% | 1,162 |
| Loan and lease loss provision to assets | 0.0319% | 4,293 |
| Net operating income to assets | 1.2366% | 1,494 |
| Return on assets (ROA) | 1.2366% | 1,594 |
| Pretax return on assets | 2.0318% | 570 |
| Return on Equity (ROE) | 11.1872% | 1,753 |
| Retained earnings to average equity (ytd only) | 9.8609% | 878 |
| Net charge-offs to loans | 0.0390% | 4,131 |
| Credit loss provision to net charge-offs | 111.1111% | 1,994 |
| Earnings coverage of net charge-offs (x) | 71.9444% | 624 |
| Efficiency ratio | 64.5108% | 4,787 |
| Assets per employee ($millions) | 2.4172% | 6,568 |
| Cash dividends to net income (ytd only)* | 11.8557% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,109 |
| Loan loss allowance to noncurrent loans | 71.3342% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 2,881 |
| Noncurrent loans to loans | 1.6518% | 2,836 |
| Net loans and leases to total assets | 72.0619% | 1,568 |
| Net loans and leases to deposits | 81.9677% | 2,063 |
| Net loans and leases to core deposits | 83.5518% | 2,617 |
| Total domestic deposits to total assets | 87.9149% | 2,305 |
| Equity capital to assets | 11.2521% | 2,521 |
| Core capital (leverage) ratio | 10.6764% | 2,691 |
| Tier 1 risk-based capital ratio | 18.4919% | 2,147 |
| Total risk-based capital ratio | 19.7443% | 2,104 |
| Memoranda: | ||
| Average total assets | $125,503,330 | 4,233 |
| Average earning assets | $112,667,000 | 4,277 |
| Average equity | $13,873,000 | 4,170 |
| Average total loans | $92,270,000 | 3,669 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 476 |
| Cost of funding earning assets | 0.1987% | 6,577 |
| Net interest margin | 5.1356% | 218 |
| Noninterest income to average assets | 1.0972% | 1,226 |
| Noninterest expense to average assets | 3.8434% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0908% | 1,896 |
| Return on assets (ROA) | 1.0908% | 2,003 |
| Pretax return on assets | 1.8691% | 777 |
| Return on Equity (ROE) | 9.9578% | 2,079 |
| Retained earnings to average equity (ytd only) | 9.1134% | 1,349 |
| Net charge-offs to loans | 0.0389% | 3,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 65.1111% | 550 |
| Efficiency ratio | 67.2808% | 4,450 |
| Assets per employee ($millions) | 2.3384% | 6,706 |
| Cash dividends to net income (ytd only)* | 8.4795% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,369 |
| Loan loss allowance to noncurrent loans | 76.6858% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6052% | 2,857 |
| Noncurrent loans to loans | 1.5127% | 3,281 |
| Net loans and leases to total assets | 72.1309% | 1,329 |
| Net loans and leases to deposits | 81.9565% | 1,838 |
| Net loans and leases to core deposits | 83.7377% | 2,352 |
| Total domestic deposits to total assets | 88.0112% | 2,304 |
| Equity capital to assets | 10.9981% | 2,959 |
| Core capital (leverage) ratio | 10.4229% | 2,879 |
| Tier 1 risk-based capital ratio | 17.8530% | 2,427 |
| Total risk-based capital ratio | 19.1060% | 2,389 |
| Memoranda: | ||
| Average total assets | $125,409,000 | 4,276 |
| Average earning assets | $112,704,500 | 4,313 |
| Average equity | $13,738,000 | 4,239 |
| Average total loans | $92,577,000 | 3,686 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7093% | 427 |
| Cost of funding earning assets | 0.3424% | 6,261 |
| Net interest margin | 5.3669% | 208 |
| Noninterest income to average assets | 1.1775% | 1,138 |
| Noninterest expense to average assets | 3.8887% | 1,112 |
| Loan and lease loss provision to assets | 0.2181% | 2,953 |
| Net operating income to assets | 1.1468% | 1,780 |
| Return on assets (ROA) | 1.1468% | 1,951 |
| Pretax return on assets | 1.7420% | 1,039 |
| Return on Equity (ROE) | 10.9521% | 1,819 |
| Retained earnings to average equity (ytd only) | 9.1241% | 789 |
| Net charge-offs to loans | 0.1162% | 4,526 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 22.4722% | 1,257 |
| Efficiency ratio | 66.4872% | 4,412 |
| Assets per employee ($millions) | 2.2240% | 6,817 |
| Cash dividends to net income (ytd only)* | 16.6901% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 5,306 |
| Loan loss allowance to noncurrent loans | 55.3957% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.8371% | 2,666 |
| Noncurrent loans to loans | 2.0925% | 2,585 |
| Net loans and leases to total assets | 73.8088% | 1,222 |
| Net loans and leases to deposits | 83.5383% | 1,808 |
| Net loans and leases to core deposits | 84.9212% | 2,438 |
| Total domestic deposits to total assets | 88.3533% | 1,994 |
| Equity capital to assets | 10.9104% | 3,057 |
| Core capital (leverage) ratio | 10.2204% | 3,112 |
| Tier 1 risk-based capital ratio | 17.1588% | 2,579 |
| Total risk-based capital ratio | 18.4117% | 2,551 |
| Memoranda: | ||
| Average total assets | $123,821,800 | 4,274 |
| Average earning assets | $107,772,400 | 4,400 |
| Average equity | $12,965,600 | 4,366 |
| Average total loans | $92,971,400 | 3,677 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7873% | 406 |
| Cost of funding earning assets | 0.3604% | 6,329 |
| Net interest margin | 5.4269% | 196 |
| Noninterest income to average assets | 1.1786% | 1,089 |
| Noninterest expense to average assets | 3.7818% | 1,240 |
| Loan and lease loss provision to assets | 0.1219% | 4,031 |
| Net operating income to assets | 1.2175% | 1,677 |
| Return on assets (ROA) | 1.2175% | 1,853 |
| Pretax return on assets | 1.9518% | 775 |
| Return on Equity (ROE) | 11.7510% | 1,725 |
| Retained earnings to average equity (ytd only) | 10.8351% | 710 |
| Net charge-offs to loans | 0.1004% | 4,381 |
| Credit loss provision to net charge-offs | 161.4286% | 1,725 |
| Earnings coverage of net charge-offs (x) | 27.4718% | 1,182 |
| Efficiency ratio | 64.5856% | 4,702 |
| Assets per employee ($millions) | 2.2432% | 6,899 |
| Cash dividends to net income (ytd only)* | 7.7945% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 6,000 |
| Loan loss allowance to noncurrent loans | 49.6120% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.7451% | 2,988 |
| Noncurrent loans to loans | 2.0601% | 2,781 |
| Net loans and leases to total assets | 75.2754% | 1,083 |
| Net loans and leases to deposits | 85.2669% | 1,692 |
| Net loans and leases to core deposits | 86.6932% | 2,380 |
| Total domestic deposits to total assets | 88.2821% | 1,860 |
| Equity capital to assets | 10.9293% | 3,345 |
| Core capital (leverage) ratio | 10.1673% | 3,325 |
| Tier 1 risk-based capital ratio | 16.7159% | 2,891 |
| Total risk-based capital ratio | 17.9663% | 2,851 |
| Memoranda: | ||
| Average total assets | $123,641,750 | 4,317 |
| Average earning assets | $106,552,500 | 4,475 |
| Average equity | $12,810,000 | 4,441 |
| Average total loans | $92,964,000 | 3,714 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8360% | 383 |
| Cost of funding earning assets | 0.3878% | 6,345 |
| Net interest margin | 5.4482% | 190 |
| Noninterest income to average assets | 1.1622% | 1,051 |
| Noninterest expense to average assets | 3.7937% | 1,225 |
| Loan and lease loss provision to assets | 0.1018% | 4,250 |
| Net operating income to assets | 1.1816% | 1,781 |
| Return on assets (ROA) | 1.1816% | 1,981 |
| Pretax return on assets | 1.8993% | 845 |
| Return on Equity (ROE) | 11.6167% | 1,800 |
| Retained earnings to average equity (ytd only) | 10.6791% | 813 |
| Net charge-offs to loans | 0.1446% | 3,763 |
| Credit loss provision to net charge-offs | 94.0299% | 2,930 |
| Earnings coverage of net charge-offs (x) | 18.4776% | 1,484 |
| Efficiency ratio | 65.4672% | 4,630 |
| Assets per employee ($millions) | 2.2691% | 6,936 |
| Cash dividends to net income (ytd only)* | 8.0711% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,201 |
| Loan loss allowance to noncurrent loans | 51.9658% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.5705% | 3,355 |
| Noncurrent loans to loans | 1.9037% | 3,071 |
| Net loans and leases to total assets | 73.1369% | 1,373 |
| Net loans and leases to deposits | 82.4507% | 2,055 |
| Net loans and leases to core deposits | 83.8057% | 2,715 |
| Total domestic deposits to total assets | 88.7038% | 1,703 |
| Equity capital to assets | 10.1167% | 4,165 |
| Core capital (leverage) ratio | 9.5668% | 4,050 |
| Tier 1 risk-based capital ratio | 15.7379% | 3,311 |
| Total risk-based capital ratio | 16.9596% | 3,292 |
| Memoranda: | ||
| Average total assets | $123,730,670 | 4,336 |
| Average earning assets | $105,209,330 | 4,527 |
| Average equity | $12,585,330 | 4,481 |
| Average total loans | $92,675,330 | 3,739 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8576% | 385 |
| Cost of funding earning assets | 0.4295% | 6,259 |
| Net interest margin | 5.4281% | 207 |
| Noninterest income to average assets | 1.0975% | 1,182 |
| Noninterest expense to average assets | 3.9125% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9968% | 2,491 |
| Return on assets (ROA) | 0.9968% | 2,682 |
| Pretax return on assets | 1.8215% | 1,030 |
| Return on Equity (ROE) | 9.7732% | 2,480 |
| Retained earnings to average equity (ytd only) | 8.8500% | 1,642 |
| Net charge-offs to loans | 0.1765% | 3,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 13.6829% | 1,523 |
| Efficiency ratio | 68.2333% | 4,127 |
| Assets per employee ($millions) | 2.4146% | 6,911 |
| Cash dividends to net income (ytd only)* | 9.4463% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 6,421 |
| Loan loss allowance to noncurrent loans | 52.1454% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5013% | 3,611 |
| Noncurrent loans to loans | 1.8188% | 3,381 |
| Net loans and leases to total assets | 72.7814% | 1,260 |
| Net loans and leases to deposits | 81.7997% | 1,964 |
| Net loans and leases to core deposits | 83.1317% | 2,663 |
| Total domestic deposits to total assets | 88.9751% | 1,704 |
| Equity capital to assets | 10.1019% | 4,000 |
| Core capital (leverage) ratio | 9.6277% | 3,878 |
| Tier 1 risk-based capital ratio | 15.3621% | 3,523 |
| Total risk-based capital ratio | 16.5028% | 3,553 |
| Memoranda: | ||
| Average total assets | $123,194,500 | 4,376 |
| Average earning assets | $105,230,500 | 4,564 |
| Average equity | $12,565,000 | 4,494 |
| Average total loans | $92,918,500 | 3,756 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9791% | 442 |
| Cost of funding earning assets | 0.5780% | 6,200 |
| Net interest margin | 5.4011% | 205 |
| Noninterest income to average assets | 1.2765% | 787 |
| Noninterest expense to average assets | 4.1695% | 842 |
| Loan and lease loss provision to assets | 0.1170% | 5,137 |
| Net operating income to assets | 1.1343% | 1,711 |
| Return on assets (ROA) | 1.1225% | 1,869 |
| Pretax return on assets | 1.6964% | 995 |
| Return on Equity (ROE) | 11.4183% | 1,582 |
| Retained earnings to average equity (ytd only) | 8.7221% | 875 |
| Net charge-offs to loans | 0.1456% | 4,977 |
| Credit loss provision to net charge-offs | 106.1069% | 3,210 |
| Earnings coverage of net charge-offs (x) | 16.5573% | 1,319 |
| Efficiency ratio | 69.5536% | 4,051 |
| Assets per employee ($millions) | 2.2798% | 7,027 |
| Cash dividends to net income (ytd only)* | 23.6132% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 6,309 |
| Loan loss allowance to noncurrent loans | 41.0210% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 1.9813% | 2,997 |
| Noncurrent loans to loans | 2.3863% | 2,737 |
| Net loans and leases to total assets | 76.6884% | 868 |
| Net loans and leases to deposits | 86.3087% | 1,632 |
| Net loans and leases to core deposits | 88.2393% | 2,348 |
| Total domestic deposits to total assets | 88.8536% | 1,633 |
| Equity capital to assets | 10.3006% | 3,784 |
| Core capital (leverage) ratio | 9.5619% | 3,932 |
| Tier 1 risk-based capital ratio | 15.0518% | 3,608 |
| Total risk-based capital ratio | 16.2531% | 3,597 |
| Memoranda: | ||
| Average total assets | $118,838,000 | 4,434 |
| Average earning assets | $103,811,600 | 4,545 |
| Average equity | $11,683,000 | 4,620 |
| Average total loans | $89,955,600 | 3,857 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9530% | 507 |
| Cost of funding earning assets | 0.6047% | 6,266 |
| Net interest margin | 5.3483% | 226 |
| Noninterest income to average assets | 1.2529% | 823 |
| Noninterest expense to average assets | 4.0898% | 906 |
| Loan and lease loss provision to assets | 0.0045% | 6,363 |
| Net operating income to assets | 1.1210% | 1,902 |
| Return on assets (ROA) | 1.1210% | 2,036 |
| Pretax return on assets | 1.8421% | 873 |
| Return on Equity (ROE) | 11.5437% | 1,669 |
| Retained earnings to average equity (ytd only) | 9.6179% | 953 |
| Net charge-offs to loans | 0.1527% | 4,546 |
| Credit loss provision to net charge-offs | 3.9216% | 5,713 |
| Earnings coverage of net charge-offs (x) | 16.0682% | 1,419 |
| Efficiency ratio | 68.8935% | 4,139 |
| Assets per employee ($millions) | 2.1811% | 7,154 |
| Cash dividends to net income (ytd only)* | 16.6836% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 6,659 |
| Loan loss allowance to noncurrent loans | 46.1538% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.0055% | 3,133 |
| Noncurrent loans to loans | 1.9069% | 3,491 |
| Net loans and leases to total assets | 77.4532% | 775 |
| Net loans and leases to deposits | 86.9783% | 1,557 |
| Net loans and leases to core deposits | 88.9702% | 2,366 |
| Total domestic deposits to total assets | 89.0488% | 1,406 |
| Equity capital to assets | 10.0537% | 4,270 |
| Core capital (leverage) ratio | 9.1314% | 4,741 |
| Tier 1 risk-based capital ratio | 14.2499% | 4,160 |
| Total risk-based capital ratio | 15.3189% | 4,278 |
| Memoranda: | ||
| Average total assets | $118,340,500 | 4,475 |
| Average earning assets | $103,631,750 | 4,586 |
| Average equity | $11,492,250 | 4,694 |
| Average total loans | $89,050,250 | 3,927 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8866% | 599 |
| Cost of funding earning assets | 0.6389% | 6,280 |
| Net interest margin | 5.2477% | 260 |
| Noninterest income to average assets | 1.2183% | 855 |
| Noninterest expense to average assets | 4.0109% | 1,036 |
| Loan and lease loss provision to assets | 0.0067% | 6,173 |
| Net operating income to assets | 1.1373% | 1,767 |
| Return on assets (ROA) | 1.1373% | 1,835 |
| Pretax return on assets | 1.8021% | 881 |
| Return on Equity (ROE) | 11.8495% | 1,538 |
| Retained earnings to average equity (ytd only) | 9.4409% | 976 |
| Net charge-offs to loans | 0.2294% | 3,747 |
| Credit loss provision to net charge-offs | 3.9604% | 5,300 |
| Earnings coverage of net charge-offs (x) | 10.6139% | 1,789 |
| Efficiency ratio | 68.9185% | 4,338 |
| Assets per employee ($millions) | 2.1153% | 7,226 |
| Cash dividends to net income (ytd only)* | 20.3264% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 6,634 |
| Loan loss allowance to noncurrent loans | 44.2203% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 2.3688% | 2,783 |
| Noncurrent loans to loans | 2.0550% | 3,403 |
| Net loans and leases to total assets | 74.6554% | 1,293 |
| Net loans and leases to deposits | 83.4436% | 2,193 |
| Net loans and leases to core deposits | 85.3308% | 3,026 |
| Total domestic deposits to total assets | 89.4681% | 1,261 |
| Equity capital to assets | 9.7350% | 4,490 |
| Core capital (leverage) ratio | 8.8197% | 5,014 |
| Tier 1 risk-based capital ratio | 13.7408% | 4,351 |
| Total risk-based capital ratio | 14.8046% | 4,469 |
| Memoranda: | ||
| Average total assets | $118,528,330 | 4,503 |
| Average earning assets | $103,930,670 | 4,605 |
| Average equity | $11,376,000 | 4,723 |
| Average total loans | $88,056,330 | 3,983 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8072% | 731 |
| Cost of funding earning assets | 0.6653% | 6,312 |
| Net interest margin | 5.1419% | 283 |
| Noninterest income to average assets | 1.1707% | 944 |
| Noninterest expense to average assets | 3.9574% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0459% | 2,015 |
| Return on assets (ROA) | 1.0459% | 2,068 |
| Pretax return on assets | 1.7240% | 942 |
| Return on Equity (ROE) | 10.9754% | 1,750 |
| Retained earnings to average equity (ytd only) | 7.6120% | 1,882 |
| Net charge-offs to loans | 0.5671% | 2,068 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.1210% | 2,555 |
| Efficiency ratio | 69.6556% | 4,345 |
| Assets per employee ($millions) | 2.2026% | 7,254 |
| Cash dividends to net income (ytd only)* | 30.6452% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 6,714 |
| Loan loss allowance to noncurrent loans | 39.9796% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 2.4130% | 2,820 |
| Noncurrent loans to loans | 2.2365% | 3,275 |
| Net loans and leases to total assets | 73.0608% | 1,506 |
| Net loans and leases to deposits | 82.5186% | 2,269 |
| Net loans and leases to core deposits | 84.3963% | 3,117 |
| Total domestic deposits to total assets | 88.5386% | 2,051 |
| Equity capital to assets | 9.3780% | 4,608 |
| Core capital (leverage) ratio | 8.6491% | 5,172 |
| Tier 1 risk-based capital ratio | 13.6530% | 4,328 |
| Total risk-based capital ratio | 14.7104% | 4,428 |
| Memoranda: | ||
| Average total assets | $118,563,000 | 4,526 |
| Average earning assets | $104,009,000 | 4,636 |
| Average equity | $11,298,000 | 4,718 |
| Average total loans | $87,461,000 | 4,034 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0302% | 794 |
| Cost of funding earning assets | 0.7623% | 6,698 |
| Net interest margin | 5.2680% | 253 |
| Noninterest income to average assets | 1.3454% | 811 |
| Noninterest expense to average assets | 4.0085% | 1,148 |
| Loan and lease loss provision to assets | 0.2442% | 4,846 |
| Net operating income to assets | 1.2021% | 1,408 |
| Return on assets (ROA) | 1.2021% | 1,487 |
| Pretax return on assets | 1.7864% | 785 |
| Return on Equity (ROE) | 12.7620% | 1,155 |
| Retained earnings to average equity (ytd only) | 8.9875% | 703 |
| Net charge-offs to loans | 0.1927% | 5,144 |
| Credit loss provision to net charge-offs | 174.6914% | 1,918 |
| Earnings coverage of net charge-offs (x) | 14.5247% | 1,333 |
| Efficiency ratio | 64.6613% | 5,231 |
| Assets per employee ($millions) | 2.2300% | 7,279 |
| Cash dividends to net income (ytd only)* | 29.5765% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 6,190 |
| Loan loss allowance to noncurrent loans | 43.5492% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.0493% | 3,284 |
| Noncurrent loans to loans | 2.3899% | 3,130 |
| Net loans and leases to total assets | 73.0472% | 1,862 |
| Net loans and leases to deposits | 83.9562% | 2,455 |
| Net loans and leases to core deposits | 85.4325% | 3,407 |
| Total domestic deposits to total assets | 87.0063% | 2,818 |
| Equity capital to assets | 9.6812% | 4,168 |
| Core capital (leverage) ratio | 8.8427% | 4,784 |
| Tier 1 risk-based capital ratio | 13.6376% | 4,104 |
| Total risk-based capital ratio | 14.8354% | 4,108 |
| Memoranda: | ||
| Average total assets | $115,878,400 | 4,579 |
| Average earning assets | $103,246,200 | 4,630 |
| Average equity | $10,915,200 | 4,885 |
| Average total loans | $84,085,600 | 4,211 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0450% | 855 |
| Cost of funding earning assets | 0.7682% | 6,851 |
| Net interest margin | 5.2768% | 253 |
| Noninterest income to average assets | 1.3645% | 726 |
| Noninterest expense to average assets | 3.7940% | 1,379 |
| Loan and lease loss provision to assets | 0.0729% | 6,327 |
| Net operating income to assets | 1.3368% | 1,266 |
| Return on assets (ROA) | 1.3368% | 1,339 |
| Pretax return on assets | 2.2156% | 396 |
| Return on Equity (ROE) | 14.2930% | 971 |
| Retained earnings to average equity (ytd only) | 10.6579% | 654 |
| Net charge-offs to loans | 0.1601% | 5,041 |
| Credit loss provision to net charge-offs | 63.0000% | 5,615 |
| Earnings coverage of net charge-offs (x) | 19.7900% | 1,195 |
| Efficiency ratio | 60.6654% | 5,846 |
| Assets per employee ($millions) | 2.1047% | 7,458 |
| Cash dividends to net income (ytd only)* | 25.4326% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 6,816 |
| Loan loss allowance to noncurrent loans | 54.6647% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 4,249 |
| Noncurrent loans to loans | 1.6053% | 4,234 |
| Net loans and leases to total assets | 73.1876% | 1,977 |
| Net loans and leases to deposits | 81.3003% | 3,216 |
| Net loans and leases to core deposits | 82.7108% | 4,127 |
| Total domestic deposits to total assets | 90.0213% | 870 |
| Equity capital to assets | 9.5269% | 4,798 |
| Core capital (leverage) ratio | 8.4149% | 5,676 |
| Tier 1 risk-based capital ratio | 13.2141% | 4,413 |
| Total risk-based capital ratio | 14.2271% | 4,572 |
| Memoranda: | ||
| Average total assets | $115,301,000 | 4,651 |
| Average earning assets | $103,091,000 | 4,692 |
| Average equity | $10,783,500 | 4,975 |
| Average total loans | $83,296,750 | 4,311 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9960% | 959 |
| Cost of funding earning assets | 0.7733% | 6,995 |
| Net interest margin | 5.2227% | 273 |
| Noninterest income to average assets | 1.4347% | 617 |
| Noninterest expense to average assets | 3.7395% | 1,477 |
| Loan and lease loss provision to assets | 0.1094% | 5,814 |
| Net operating income to assets | 1.3634% | 1,165 |
| Return on assets (ROA) | 1.3634% | 1,235 |
| Pretax return on assets | 2.2545% | 371 |
| Return on Equity (ROE) | 14.6702% | 916 |
| Retained earnings to average equity (ytd only) | 13.5302% | 338 |
| Net charge-offs to loans | 0.2277% | 4,236 |
| Credit loss provision to net charge-offs | 67.0213% | 5,047 |
| Earnings coverage of net charge-offs (x) | 14.4787% | 1,515 |
| Efficiency ratio | 59.5618% | 6,131 |
| Assets per employee ($millions) | 2.1974% | 7,432 |
| Cash dividends to net income (ytd only)* | 7.7707% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 6,757 |
| Loan loss allowance to noncurrent loans | 38.8489% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 1.9371% | 3,567 |
| Noncurrent loans to loans | 2.3196% | 3,346 |
| Net loans and leases to total assets | 71.3843% | 2,570 |
| Net loans and leases to deposits | 79.2105% | 3,756 |
| Net loans and leases to core deposits | 80.5693% | 4,617 |
| Total domestic deposits to total assets | 90.1197% | 859 |
| Equity capital to assets | 9.3617% | 4,912 |
| Core capital (leverage) ratio | 8.3856% | 5,602 |
| Tier 1 risk-based capital ratio | 13.3312% | 4,181 |
| Total risk-based capital ratio | 14.3794% | 4,299 |
| Memoranda: | ||
| Average total assets | $115,149,330 | 4,677 |
| Average earning assets | $102,936,000 | 4,724 |
| Average equity | $10,702,000 | 5,002 |
| Average total loans | $82,572,670 | 4,364 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9703% | 1,033 |
| Cost of funding earning assets | 0.7852% | 7,135 |
| Net interest margin | 5.1851% | 299 |
| Noninterest income to average assets | 1.5302% | 514 |
| Noninterest expense to average assets | 3.5915% | 1,757 |
| Loan and lease loss provision to assets | 0.2201% | 4,297 |
| Net operating income to assets | 1.5652% | 802 |
| Return on assets (ROA) | 1.5652% | 859 |
| Pretax return on assets | 2.3792% | 304 |
| Return on Equity (ROE) | 16.9033% | 615 |
| Retained earnings to average equity (ytd only) | 15.7336% | 357 |
| Net charge-offs to loans | 0.2539% | 3,420 |
| Credit loss provision to net charge-offs | 121.1538% | 2,885 |
| Earnings coverage of net charge-offs (x) | 14.3077% | 1,441 |
| Efficiency ratio | 56.3205% | 6,725 |
| Assets per employee ($millions) | 2.1409% | 7,583 |
| Cash dividends to net income (ytd only)* | 6.9196% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 6,592 |
| Loan loss allowance to noncurrent loans | 51.9870% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.4647% | 4,307 |
| Noncurrent loans to loans | 1.8680% | 3,970 |
| Net loans and leases to total assets | 71.7147% | 2,517 |
| Net loans and leases to deposits | 80.0681% | 3,647 |
| Net loans and leases to core deposits | 81.1937% | 4,595 |
| Total domestic deposits to total assets | 89.5672% | 1,196 |
| Equity capital to assets | 9.3188% | 4,804 |
| Core capital (leverage) ratio | 8.2085% | 5,897 |
| Tier 1 risk-based capital ratio | 13.2442% | 4,175 |
| Total risk-based capital ratio | 14.3832% | 4,205 |
| Memoranda: | ||
| Average total assets | $114,492,000 | 4,756 |
| Average earning assets | $102,910,000 | 4,786 |
| Average equity | $10,601,500 | 5,073 |
| Average total loans | $81,912,500 | 4,445 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1861% | 1,270 |
| Cost of funding earning assets | 1.1772% | 6,741 |
| Net interest margin | 5.0089% | 442 |
| Noninterest income to average assets | 1.2897% | 904 |
| Noninterest expense to average assets | 3.9832% | 1,386 |
| Loan and lease loss provision to assets | 0.2394% | 5,462 |
| Net operating income to assets | 0.9922% | 1,866 |
| Return on assets (ROA) | 0.9916% | 1,913 |
| Pretax return on assets | 1.5615% | 1,049 |
| Return on Equity (ROE) | 11.5827% | 1,268 |
| Retained earnings to average equity (ytd only) | 9.3808% | 442 |
| Net charge-offs to loans | 0.2031% | 5,366 |
| Credit loss provision to net charge-offs | 177.2727% | 2,359 |
| Earnings coverage of net charge-offs (x) | 13.3442% | 1,433 |
| Efficiency ratio | 66.4898% | 5,290 |
| Assets per employee ($millions) | 2.1392% | 7,625 |
| Cash dividends to net income (ytd only)* | 19.0097% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 6,563 |
| Loan loss allowance to noncurrent loans | 69.0957% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.1972% | 4,709 |
| Noncurrent loans to loans | 1.3949% | 4,591 |
| Net loans and leases to total assets | 70.0048% | 3,256 |
| Net loans and leases to deposits | 79.2804% | 4,119 |
| Net loans and leases to core deposits | 88.1152% | 5,314 |
| Total domestic deposits to total assets | 88.3002% | 1,821 |
| Equity capital to assets | 9.2014% | 4,845 |
| Core capital (leverage) ratio | 8.1626% | 5,882 |
| Tier 1 risk-based capital ratio | 13.2607% | 3,980 |
| Total risk-based capital ratio | 14.3840% | 4,002 |
| Memoranda: | ||
| Average total assets | $114,054,400 | 4,725 |
| Average earning assets | $102,358,400 | 4,783 |
| Average equity | $9,764,600 | 5,365 |
| Average total loans | $75,824,200 | 4,658 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1656% | 1,457 |
| Cost of funding earning assets | 1.2556% | 6,699 |
| Net interest margin | 4.9100% | 541 |
| Noninterest income to average assets | 1.2150% | 1,044 |
| Noninterest expense to average assets | 3.9885% | 1,291 |
| Loan and lease loss provision to assets | 0.1583% | 5,766 |
| Net operating income to assets | 0.8592% | 2,580 |
| Return on assets (ROA) | 0.8585% | 2,647 |
| Pretax return on assets | 1.4789% | 1,477 |
| Return on Equity (ROE) | 10.2213% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.9366% | 856 |
| Net charge-offs to loans | 0.1488% | 5,219 |
| Credit loss provision to net charge-offs | 162.6506% | 2,899 |
| Earnings coverage of net charge-offs (x) | 16.8319% | 1,445 |
| Efficiency ratio | 68.2576% | 4,916 |
| Assets per employee ($millions) | 2.1127% | 7,703 |
| Cash dividends to net income (ytd only)* | 12.5679% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 6,722 |
| Loan loss allowance to noncurrent loans | 65.6335% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 4,777 |
| Noncurrent loans to loans | 1.3852% | 4,596 |
| Net loans and leases to total assets | 68.7852% | 3,775 |
| Net loans and leases to deposits | 77.0791% | 4,886 |
| Net loans and leases to core deposits | 85.8157% | 5,883 |
| Total domestic deposits to total assets | 89.2398% | 1,088 |
| Equity capital to assets | 8.6802% | 5,988 |
| Core capital (leverage) ratio | 7.4856% | 6,997 |
| Tier 1 risk-based capital ratio | 12.3681% | 4,654 |
| Total risk-based capital ratio | 13.4173% | 4,774 |
| Memoranda: | ||
| Average total assets | $113,689,250 | 4,755 |
| Average earning assets | $102,156,000 | 4,819 |
| Average equity | $9,548,500 | 5,475 |
| Average total loans | $74,367,000 | 4,759 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1524% | 1,610 |
| Cost of funding earning assets | 1.3300% | 6,706 |
| Net interest margin | 4.8225% | 628 |
| Noninterest income to average assets | 1.2135% | 1,056 |
| Noninterest expense to average assets | 4.0279% | 1,277 |
| Loan and lease loss provision to assets | 0.1585% | 5,485 |
| Net operating income to assets | 0.8577% | 2,623 |
| Return on assets (ROA) | 0.8577% | 2,725 |
| Pretax return on assets | 1.3632% | 1,823 |
| Return on Equity (ROE) | 10.3284% | 1,908 |
| Retained earnings to average equity (ytd only) | 9.0135% | 933 |
| Net charge-offs to loans | 0.0687% | 5,549 |
| Credit loss provision to net charge-offs | 360.0000% | 1,287 |
| Earnings coverage of net charge-offs (x) | 34.5600% | 903 |
| Efficiency ratio | 69.5335% | 4,870 |
| Assets per employee ($millions) | 2.0680% | 7,804 |
| Cash dividends to net income (ytd only)* | 12.7310% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 6,456 |
| Loan loss allowance to noncurrent loans | 77.2392% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0348% | 4,901 |
| Noncurrent loans to loans | 1.2529% | 4,700 |
| Net loans and leases to total assets | 65.9481% | 4,572 |
| Net loans and leases to deposits | 72.5204% | 5,664 |
| Net loans and leases to core deposits | 80.5451% | 6,359 |
| Total domestic deposits to total assets | 90.9373% | 472 |
| Equity capital to assets | 8.3549% | 6,259 |
| Core capital (leverage) ratio | 7.2897% | 7,256 |
| Tier 1 risk-based capital ratio | 12.4301% | 4,575 |
| Total risk-based capital ratio | 13.5353% | 4,603 |
| Memoranda: | ||
| Average total assets | $113,556,670 | 4,784 |
| Average earning assets | $102,105,670 | 4,836 |
| Average equity | $9,430,330 | 5,534 |
| Average total loans | $72,757,670 | 4,852 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1482% | 1,768 |
| Cost of funding earning assets | 1.3335% | 6,922 |
| Net interest margin | 4.8147% | 591 |
| Noninterest income to average assets | 1.1810% | 1,052 |
| Noninterest expense to average assets | 4.0612% | 1,110 |
| Loan and lease loss provision to assets | 0.1586% | 4,900 |
| Net operating income to assets | 0.7861% | 3,187 |
| Return on assets (ROA) | 0.7861% | 3,352 |
| Pretax return on assets | 1.2762% | 2,356 |
| Return on Equity (ROE) | 9.4954% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.1754% | 1,743 |
| Net charge-offs to loans | 0.0617% | 4,592 |
| Credit loss provision to net charge-offs | 409.0909% | 1,281 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 903 |
| Efficiency ratio | 70.2373% | 4,524 |
| Assets per employee ($millions) | 2.1146% | 7,794 |
| Cash dividends to net income (ytd only)* | 13.9013% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 6,441 |
| Loan loss allowance to noncurrent loans | 121.2435% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 5,359 |
| Noncurrent loans to loans | 0.7905% | 5,463 |
| Net loans and leases to total assets | 64.7316% | 4,854 |
| Net loans and leases to deposits | 71.1417% | 5,848 |
| Net loans and leases to core deposits | 78.3214% | 6,514 |
| Total domestic deposits to total assets | 90.9897% | 416 |
| Equity capital to assets | 8.3402% | 6,329 |
| Core capital (leverage) ratio | 7.2008% | 7,478 |
| Tier 1 risk-based capital ratio | 12.6257% | 4,451 |
| Total risk-based capital ratio | 13.7377% | 4,476 |
| Memoranda: | ||
| Average total assets | $113,464,500 | 4,812 |
| Average earning assets | $101,688,500 | 4,869 |
| Average equity | $9,394,000 | 5,569 |
| Average total loans | $71,265,000 | 4,934 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9443% | 1,269 |
| Cost of funding earning assets | 1.9171% | 6,682 |
| Net interest margin | 5.0272% | 475 |
| Noninterest income to average assets | 1.9853% | 347 |
| Noninterest expense to average assets | 4.0558% | 1,335 |
| Loan and lease loss provision to assets | 0.2391% | 4,509 |
| Net operating income to assets | 1.3207% | 1,427 |
| Return on assets (ROA) | 1.3247% | 1,365 |
| Pretax return on assets | 1.9367% | 710 |
| Return on Equity (ROE) | 12.7336% | 1,398 |
| Retained earnings to average equity (ytd only) | 10.2870% | 415 |
| Net charge-offs to loans | 0.0656% | 5,838 |
| Credit loss provision to net charge-offs | 517.9487% | 845 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 793 |
| Efficiency ratio | 62.5214% | 5,855 |
| Assets per employee ($millions) | 2.2521% | 7,627 |
| Cash dividends to net income (ytd only)* | 19.2136% | 4,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 6,306 |
| Loan loss allowance to noncurrent loans | 93.5574% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 4,691 |
| Noncurrent loans to loans | 1.0306% | 4,524 |
| Net loans and leases to total assets | 59.7386% | 5,951 |
| Net loans and leases to deposits | 67.3485% | 6,520 |
| Net loans and leases to core deposits | 73.0325% | 7,021 |
| Total domestic deposits to total assets | 88.7007% | 1,155 |
| Equity capital to assets | 8.2198% | 6,524 |
| Core capital (leverage) ratio | 7.3233% | 7,389 |
| Tier 1 risk-based capital ratio | 13.0652% | 4,077 |
| Total risk-based capital ratio | 14.1270% | 4,105 |
| Memoranda: | ||
| Average total assets | $84,472,200 | 5,536 |
| Average earning assets | $71,253,000 | 5,771 |
| Average equity | $8,787,800 | 5,812 |
| Average total loans | $59,467,000 | 5,291 |