Home > The Commercial Bank > Performance and Condition Ratios
The Commercial Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6492% | 1,774 |
| Cost of funding earning assets | 2.2624% | 1,287 |
| Net interest margin | 3.3869% | 2,590 |
| Noninterest income to average assets | 0.2800% | 3,001 |
| Noninterest expense to average assets | 2.5426% | 2,172 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.6015% | 3,349 |
| Return on assets (ROA) | 0.6015% | 3,362 |
| Pretax return on assets | 0.7473% | 3,305 |
| Return on Equity (ROE) | 11.6600% | 1,835 |
| Retained earnings to average equity (ytd only) | 11.6597% | 848 |
| Net charge-offs to loans | 0.3515% | 351 |
| Credit loss provision to net charge-offs | 53.5714% | 1,529 |
| Earnings coverage of net charge-offs (x) | 4.8839% | 1,935 |
| Efficiency ratio | 75.1815% | 1,317 |
| Assets per employee ($millions) | 4.4928% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 552 |
| Loan loss allowance to noncurrent loans | 367.7116% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 2,337 |
| Noncurrent loans to loans | 0.4848% | 1,899 |
| Net loans and leases to total assets | 47.9500% | 3,668 |
| Net loans and leases to deposits | 50.8712% | 3,842 |
| Net loans and leases to core deposits | 67.8547% | 3,398 |
| Total domestic deposits to total assets | 94.2500% | 63 |
| Equity capital to assets | 5.2005% | 4,350 |
| Core capital (leverage) ratio | 10.5921% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $260,673,000 | 2,677 |
| Average earning assets | $238,687,500 | 2,693 |
| Average equity | $13,448,000 | 3,489 |
| Average total loans | $127,463,500 | 2,962 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 1,839 |
| Cost of funding earning assets | 2.0922% | 2,005 |
| Net interest margin | 3.5598% | 1,951 |
| Noninterest income to average assets | 0.4700% | 2,077 |
| Noninterest expense to average assets | 2.4895% | 2,344 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 0.9101% | 2,350 |
| Return on assets (ROA) | 0.9101% | 2,352 |
| Pretax return on assets | 1.1166% | 2,191 |
| Return on Equity (ROE) | 16.9800% | 672 |
| Retained earnings to average equity (ytd only) | 7.9333% | 1,138 |
| Net charge-offs to loans | 0.1505% | 877 |
| Credit loss provision to net charge-offs | 201.2195% | 1,126 |
| Earnings coverage of net charge-offs (x) | 18.8598% | 1,878 |
| Efficiency ratio | 66.5730% | 2,420 |
| Assets per employee ($millions) | 4.4171% | 3,948 |
| Cash dividends to net income (ytd only)* | 53.2860% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 412 |
| Loan loss allowance to noncurrent loans | 781.1075% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,848 |
| Noncurrent loans to loans | 0.2489% | 2,520 |
| Net loans and leases to total assets | 48.0300% | 3,722 |
| Net loans and leases to deposits | 54.6409% | 3,771 |
| Net loans and leases to core deposits | 72.1585% | 3,251 |
| Total domestic deposits to total assets | 87.9100% | 1,542 |
| Equity capital to assets | 5.1144% | 4,331 |
| Core capital (leverage) ratio | 11.0243% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $247,437,200 | 2,716 |
| Average earning assets | $226,980,600 | 2,731 |
| Average equity | $13,260,600 | 3,489 |
| Average total loans | $108,997,400 | 3,118 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 1,873 |
| Cost of funding earning assets | 2.0068% | 2,198 |
| Net interest margin | 3.6079% | 1,817 |
| Noninterest income to average assets | 0.3500% | 2,719 |
| Noninterest expense to average assets | 2.4739% | 2,334 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.8941% | 2,398 |
| Return on assets (ROA) | 0.8941% | 2,403 |
| Pretax return on assets | 1.1176% | 2,199 |
| Return on Equity (ROE) | 16.4900% | 754 |
| Retained earnings to average equity (ytd only) | 16.4909% | 188 |
| Net charge-offs to loans | 0.1720% | 675 |
| Credit loss provision to net charge-offs | 99.2647% | 1,681 |
| Earnings coverage of net charge-offs (x) | 16.1765% | 1,893 |
| Efficiency ratio | 67.5085% | 2,314 |
| Assets per employee ($millions) | 4.1641% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9907% | 393 |
| Loan loss allowance to noncurrent loans | 489.2544% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 2,523 |
| Noncurrent loans to loans | 0.4069% | 2,062 |
| Net loans and leases to total assets | 44.7100% | 3,872 |
| Net loans and leases to deposits | 48.2641% | 3,995 |
| Net loans and leases to core deposits | 63.2091% | 3,677 |
| Total domestic deposits to total assets | 92.6300% | 120 |
| Equity capital to assets | 6.6480% | 4,207 |
| Core capital (leverage) ratio | 11.2770% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $246,352,250 | 2,714 |
| Average earning assets | $226,091,750 | 2,731 |
| Average equity | $13,356,500 | 3,493 |
| Average total loans | $105,413,750 | 3,165 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5664% | 1,848 |
| Cost of funding earning assets | 1.9466% | 2,247 |
| Net interest margin | 3.6199% | 1,754 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 2.4731% | 2,319 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.8898% | 2,342 |
| Return on assets (ROA) | 0.8898% | 2,347 |
| Pretax return on assets | 1.1120% | 2,178 |
| Return on Equity (ROE) | 17.7400% | 638 |
| Retained earnings to average equity (ytd only) | 17.7446% | 179 |
| Net charge-offs to loans | 0.0969% | 884 |
| Credit loss provision to net charge-offs | 180.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 29.2200% | 1,407 |
| Efficiency ratio | 67.6053% | 2,372 |
| Assets per employee ($millions) | 4.3438% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1325% | 323 |
| Loan loss allowance to noncurrent loans | 604.2553% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,629 |
| Noncurrent loans to loans | 0.3529% | 2,135 |
| Net loans and leases to total assets | 42.1100% | 3,975 |
| Net loans and leases to deposits | 44.7222% | 4,084 |
| Net loans and leases to core deposits | 57.7485% | 3,843 |
| Total domestic deposits to total assets | 94.1600% | 80 |
| Equity capital to assets | 5.1891% | 4,348 |
| Core capital (leverage) ratio | 11.0605% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $246,575,000 | 2,719 |
| Average earning assets | $226,141,667 | 2,729 |
| Average equity | $12,364,333 | 3,558 |
| Average total loans | $103,194,333 | 3,181 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5446% | 1,730 |
| Cost of funding earning assets | 1.8795% | 2,298 |
| Net interest margin | 3.6651% | 1,606 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 2.5229% | 2,175 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.8762% | 2,302 |
| Return on assets (ROA) | 0.8762% | 2,317 |
| Pretax return on assets | 1.0957% | 2,151 |
| Return on Equity (ROE) | 17.7900% | 635 |
| Retained earnings to average equity (ytd only) | 17.7851% | 278 |
| Net charge-offs to loans | 0.4295% | 209 |
| Credit loss provision to net charge-offs | 41.2844% | 1,429 |
| Earnings coverage of net charge-offs (x) | 6.5963% | 1,803 |
| Efficiency ratio | 68.3399% | 2,342 |
| Assets per employee ($millions) | 4.4237% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 331 |
| Loan loss allowance to noncurrent loans | 564.5833% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 2,584 |
| Noncurrent loans to loans | 0.3703% | 2,023 |
| Net loans and leases to total assets | 41.7200% | 3,966 |
| Net loans and leases to deposits | 44.1671% | 4,087 |
| Net loans and leases to core deposits | 55.8724% | 3,907 |
| Total domestic deposits to total assets | 94.4700% | 87 |
| Equity capital to assets | 4.9243% | 4,380 |
| Core capital (leverage) ratio | 10.8613% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $246,063,500 | 2,724 |
| Average earning assets | $225,589,000 | 2,736 |
| Average equity | $12,122,500 | 3,595 |
| Average total loans | $101,521,000 | 3,205 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2097% | 1,638 |
| Cost of funding earning assets | 1.3352% | 2,408 |
| Net interest margin | 3.8745% | 1,428 |
| Noninterest income to average assets | 2.2500% | 238 |
| Noninterest expense to average assets | 2.5271% | 2,226 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 2.3442% | 286 |
| Return on assets (ROA) | 2.3442% | 277 |
| Pretax return on assets | 3.0296% | 200 |
| Return on Equity (ROE) | 50.2200% | 52 |
| Retained earnings to average equity (ytd only) | 36.5794% | 33 |
| Net charge-offs to loans | 0.3466% | 314 |
| Credit loss provision to net charge-offs | 170.8861% | 1,348 |
| Earnings coverage of net charge-offs (x) | 24.2975% | 1,766 |
| Efficiency ratio | 43.6766% | 4,259 |
| Assets per employee ($millions) | 4.4433% | 3,979 |
| Cash dividends to net income (ytd only)* | 27.1592% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2465% | 264 |
| Loan loss allowance to noncurrent loans | 674.3202% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 2,621 |
| Noncurrent loans to loans | 0.3331% | 1,988 |
| Net loans and leases to total assets | 39.0300% | 4,069 |
| Net loans and leases to deposits | 41.8333% | 4,153 |
| Net loans and leases to core deposits | 50.9893% | 4,064 |
| Total domestic deposits to total assets | 93.3100% | 150 |
| Equity capital to assets | 4.9288% | 4,426 |
| Core capital (leverage) ratio | 11.1630% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $235,605,000 | 2,764 |
| Average earning assets | $215,100,600 | 2,772 |
| Average equity | $10,998,000 | 3,614 |
| Average total loans | $91,180,800 | 3,273 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 1,487 |
| Cost of funding earning assets | 1.2255% | 2,349 |
| Net interest margin | 3.9579% | 1,283 |
| Noninterest income to average assets | 2.6500% | 221 |
| Noninterest expense to average assets | 2.5696% | 2,031 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.7739% | 208 |
| Return on assets (ROA) | 2.7739% | 207 |
| Pretax return on assets | 3.6125% | 148 |
| Return on Equity (ROE) | 60.3300% | 53 |
| Retained earnings to average equity (ytd only) | 60.3271% | 25 |
| Net charge-offs to loans | 0.3710% | 236 |
| Credit loss provision to net charge-offs | 54.4355% | 1,877 |
| Earnings coverage of net charge-offs (x) | 25.9234% | 1,678 |
| Efficiency ratio | 41.0508% | 4,334 |
| Assets per employee ($millions) | 4.0093% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0838% | 346 |
| Loan loss allowance to noncurrent loans | 629.5681% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 2,669 |
| Noncurrent loans to loans | 0.3310% | 2,046 |
| Net loans and leases to total assets | 38.9600% | 4,094 |
| Net loans and leases to deposits | 41.3390% | 4,177 |
| Net loans and leases to core deposits | 48.8584% | 4,067 |
| Total domestic deposits to total assets | 94.2600% | 166 |
| Equity capital to assets | 4.6856% | 4,306 |
| Core capital (leverage) ratio | 11.5373% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $232,300,750 | 2,793 |
| Average earning assets | $211,723,750 | 2,803 |
| Average equity | $10,681,500 | 3,655 |
| Average total loans | $89,137,000 | 3,301 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 1,421 |
| Cost of funding earning assets | 1.1160% | 2,227 |
| Net interest margin | 3.9510% | 1,326 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.5441% | 2,084 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0987% | 2,128 |
| Return on assets (ROA) | 1.0987% | 2,122 |
| Pretax return on assets | 1.3770% | 1,868 |
| Return on Equity (ROE) | 24.0400% | 426 |
| Retained earnings to average equity (ytd only) | 24.0427% | 140 |
| Net charge-offs to loans | 0.2937% | 285 |
| Credit loss provision to net charge-offs | 69.2308% | 1,597 |
| Earnings coverage of net charge-offs (x) | 13.0615% | 1,914 |
| Efficiency ratio | 63.6325% | 2,528 |
| Assets per employee ($millions) | 4.1235% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2258% | 294 |
| Loan loss allowance to noncurrent loans | 607.4074% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 2,572 |
| Noncurrent loans to loans | 0.3664% | 1,831 |
| Net loans and leases to total assets | 36.7800% | 4,152 |
| Net loans and leases to deposits | 38.6040% | 4,244 |
| Net loans and leases to core deposits | 44.2371% | 4,167 |
| Total domestic deposits to total assets | 95.2800% | 82 |
| Equity capital to assets | 4.2167% | 4,485 |
| Core capital (leverage) ratio | 10.1636% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $233,557,333 | 2,793 |
| Average earning assets | $213,261,667 | 2,804 |
| Average equity | $10,672,667 | 3,660 |
| Average total loans | $88,536,000 | 3,313 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 1,290 |
| Cost of funding earning assets | 1.0156% | 1,996 |
| Net interest margin | 3.9515% | 1,361 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.5685% | 2,054 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.0738% | 2,307 |
| Return on assets (ROA) | 1.0738% | 2,277 |
| Pretax return on assets | 1.3487% | 2,022 |
| Return on Equity (ROE) | 22.6200% | 539 |
| Retained earnings to average equity (ytd only) | 22.6173% | 264 |
| Net charge-offs to loans | 0.7269% | 106 |
| Credit loss provision to net charge-offs | 27.9503% | 1,362 |
| Earnings coverage of net charge-offs (x) | 5.1553% | 1,827 |
| Efficiency ratio | 64.3011% | 2,418 |
| Assets per employee ($millions) | 4.1036% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1489% | 344 |
| Loan loss allowance to noncurrent loans | 837.1681% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 2,842 |
| Noncurrent loans to loans | 0.2567% | 2,226 |
| Net loans and leases to total assets | 36.8300% | 4,158 |
| Net loans and leases to deposits | 39.0156% | 4,252 |
| Net loans and leases to core deposits | 44.7503% | 4,150 |
| Total domestic deposits to total assets | 94.4000% | 138 |
| Equity capital to assets | 4.7737% | 4,451 |
| Core capital (leverage) ratio | 9.7398% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $232,816,500 | 2,829 |
| Average earning assets | $213,085,000 | 2,836 |
| Average equity | $11,053,500 | 3,669 |
| Average total loans | $88,595,500 | 3,348 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 1,094 |
| Cost of funding earning assets | 0.3916% | 2,162 |
| Net interest margin | 3.8867% | 983 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.4369% | 2,312 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2596% | 1,567 |
| Return on assets (ROA) | 1.2709% | 1,480 |
| Pretax return on assets | 1.6071% | 1,154 |
| Return on Equity (ROE) | 20.3000% | 452 |
| Retained earnings to average equity (ytd only) | 16.1473% | 217 |
| Net charge-offs to loans | 0.2756% | 281 |
| Credit loss provision to net charge-offs | 45.2830% | 1,841 |
| Earnings coverage of net charge-offs (x) | 14.3245% | 2,036 |
| Efficiency ratio | 59.7028% | 3,097 |
| Assets per employee ($millions) | 4.2132% | 4,194 |
| Cash dividends to net income (ytd only)* | 20.4569% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2525% | 287 |
| Loan loss allowance to noncurrent loans | 372.5417% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 1,971 |
| Noncurrent loans to loans | 0.6046% | 1,236 |
| Net loans and leases to total assets | 37.6000% | 4,158 |
| Net loans and leases to deposits | 41.1279% | 4,212 |
| Net loans and leases to core deposits | 47.1866% | 4,083 |
| Total domestic deposits to total assets | 91.4300% | 801 |
| Equity capital to assets | 4.7215% | 4,431 |
| Core capital (leverage) ratio | 9.8827% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $230,786,600 | 2,841 |
| Average earning assets | $213,753,000 | 2,840 |
| Average equity | $14,448,200 | 3,417 |
| Average total loans | $96,161,600 | 3,203 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 1,141 |
| Cost of funding earning assets | 0.2661% | 2,529 |
| Net interest margin | 3.7952% | 958 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.4526% | 2,154 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2098% | 1,665 |
| Return on assets (ROA) | 1.2249% | 1,583 |
| Pretax return on assets | 1.5487% | 1,272 |
| Return on Equity (ROE) | 18.4300% | 586 |
| Retained earnings to average equity (ytd only) | 18.4269% | 150 |
| Net charge-offs to loans | 0.2410% | 286 |
| Credit loss provision to net charge-offs | 67.7966% | 1,464 |
| Earnings coverage of net charge-offs (x) | 15.6215% | 1,841 |
| Efficiency ratio | 60.5338% | 3,051 |
| Assets per employee ($millions) | 4.3537% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3127% | 285 |
| Loan loss allowance to noncurrent loans | 561.9303% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 2,470 |
| Noncurrent loans to loans | 0.4116% | 1,788 |
| Net loans and leases to total assets | 38.3700% | 4,133 |
| Net loans and leases to deposits | 42.0298% | 4,179 |
| Net loans and leases to core deposits | 46.5425% | 4,077 |
| Total domestic deposits to total assets | 91.2900% | 1,127 |
| Equity capital to assets | 4.7840% | 4,334 |
| Core capital (leverage) ratio | 9.7210% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $230,552,000 | 2,855 |
| Average earning assets | $213,912,500 | 2,858 |
| Average equity | $15,325,000 | 3,381 |
| Average total loans | $97,915,250 | 3,192 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 1,079 |
| Cost of funding earning assets | 0.2134% | 2,727 |
| Net interest margin | 3.7076% | 901 |
| Noninterest income to average assets | 0.5675% | 1,875 |
| Noninterest expense to average assets | 2.4401% | 2,112 |
| Loan and lease loss provision to assets | 0.0781% | 1,241 |
| Net operating income to assets | 1.1870% | 1,474 |
| Return on assets (ROA) | 1.2096% | 1,385 |
| Pretax return on assets | 1.5307% | 1,100 |
| Return on Equity (ROE) | 16.6411% | 614 |
| Retained earnings to average equity (ytd only) | 16.6411% | 163 |
| Net charge-offs to loans | 0.2452% | 262 |
| Credit loss provision to net charge-offs | 73.1707% | 1,420 |
| Earnings coverage of net charge-offs (x) | 14.8049% | 1,647 |
| Efficiency ratio | 60.6950% | 3,215 |
| Assets per employee ($millions) | 4.2101% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2753% | 340 |
| Loan loss allowance to noncurrent loans | 644.3769% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 2,715 |
| Noncurrent loans to loans | 0.3531% | 2,086 |
| Net loans and leases to total assets | 39.3228% | 4,110 |
| Net loans and leases to deposits | 41.7276% | 4,201 |
| Net loans and leases to core deposits | 46.1393% | 4,118 |
| Total domestic deposits to total assets | 94.2369% | 247 |
| Equity capital to assets | 4.9357% | 4,489 |
| Core capital (leverage) ratio | 9.4882% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,487,000 | 2,884 |
| Average earning assets | $214,637,667 | 2,884 |
| Average equity | $16,753,667 | 3,337 |
| Average total loans | $100,343,333 | 3,182 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8918% | 935 |
| Cost of funding earning assets | 0.1917% | 2,916 |
| Net interest margin | 3.7001% | 750 |
| Noninterest income to average assets | 0.4140% | 2,594 |
| Noninterest expense to average assets | 2.4353% | 2,057 |
| Loan and lease loss provision to assets | 0.0783% | 1,054 |
| Net operating income to assets | 1.0791% | 1,586 |
| Return on assets (ROA) | 1.0750% | 1,598 |
| Pretax return on assets | 1.3533% | 1,373 |
| Return on Equity (ROE) | 12.7318% | 1,101 |
| Retained earnings to average equity (ytd only) | 12.7318% | 498 |
| Net charge-offs to loans | 0.3310% | 195 |
| Credit loss provision to net charge-offs | 52.3256% | 1,190 |
| Earnings coverage of net charge-offs (x) | 9.6047% | 1,480 |
| Efficiency ratio | 62.8931% | 3,158 |
| Assets per employee ($millions) | 4.3399% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0331% | 589 |
| Loan loss allowance to noncurrent loans | 531.9899% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 2,332 |
| Noncurrent loans to loans | 0.3822% | 2,115 |
| Net loans and leases to total assets | 43.4247% | 3,786 |
| Net loans and leases to deposits | 47.2752% | 3,910 |
| Net loans and leases to core deposits | 52.0233% | 3,736 |
| Total domestic deposits to total assets | 91.8550% | 635 |
| Equity capital to assets | 7.3684% | 4,004 |
| Core capital (leverage) ratio | 9.3647% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,951,500 | 2,899 |
| Average earning assets | $214,915,000 | 2,899 |
| Average equity | $19,416,000 | 3,196 |
| Average total loans | $103,927,500 | 3,139 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 460 |
| Cost of funding earning assets | 0.3537% | 1,910 |
| Net interest margin | 4.2962% | 407 |
| Noninterest income to average assets | 1.3307% | 608 |
| Noninterest expense to average assets | 2.6662% | 1,722 |
| Loan and lease loss provision to assets | 0.0870% | 1,416 |
| Net operating income to assets | 1.9755% | 350 |
| Return on assets (ROA) | 1.9839% | 369 |
| Pretax return on assets | 2.5555% | 237 |
| Return on Equity (ROE) | 19.9838% | 310 |
| Retained earnings to average equity (ytd only) | 15.1169% | 215 |
| Net charge-offs to loans | 0.1160% | 776 |
| Credit loss provision to net charge-offs | 148.7603% | 1,498 |
| Earnings coverage of net charge-offs (x) | 45.0165% | 1,364 |
| Efficiency ratio | 50.3238% | 4,261 |
| Assets per employee ($millions) | 4.4225% | 4,176 |
| Cash dividends to net income (ytd only)* | 24.3546% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0707% | 548 |
| Loan loss allowance to noncurrent loans | 618.6782% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,538 |
| Noncurrent loans to loans | 0.3347% | 2,386 |
| Net loans and leases to total assets | 45.1443% | 3,755 |
| Net loans and leases to deposits | 51.1594% | 3,788 |
| Net loans and leases to core deposits | 56.7104% | 3,567 |
| Total domestic deposits to total assets | 88.2425% | 1,910 |
| Equity capital to assets | 9.5606% | 3,090 |
| Core capital (leverage) ratio | 10.0056% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,963,600 | 3,012 |
| Average earning assets | $191,120,600 | 3,019 |
| Average equity | $20,546,600 | 3,166 |
| Average total loans | $104,287,800 | 3,145 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 593 |
| Cost of funding earning assets | 0.3875% | 1,801 |
| Net interest margin | 4.1884% | 556 |
| Noninterest income to average assets | 1.6409% | 465 |
| Noninterest expense to average assets | 2.6934% | 1,607 |
| Loan and lease loss provision to assets | 0.0890% | 1,341 |
| Net operating income to assets | 2.1060% | 388 |
| Return on assets (ROA) | 2.1174% | 401 |
| Pretax return on assets | 2.7263% | 246 |
| Return on Equity (ROE) | 21.1110% | 351 |
| Retained earnings to average equity (ytd only) | 21.1110% | 100 |
| Net charge-offs to loans | 0.0958% | 758 |
| Credit loss provision to net charge-offs | 180.0000% | 1,257 |
| Earnings coverage of net charge-offs (x) | 56.6667% | 1,163 |
| Efficiency ratio | 49.0224% | 4,293 |
| Assets per employee ($millions) | 4.1142% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9898% | 645 |
| Loan loss allowance to noncurrent loans | 694.8387% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,595 |
| Noncurrent loans to loans | 0.2864% | 2,770 |
| Net loans and leases to total assets | 50.5643% | 3,340 |
| Net loans and leases to deposits | 58.6551% | 3,346 |
| Net loans and leases to core deposits | 64.8306% | 3,059 |
| Total domestic deposits to total assets | 86.2061% | 2,664 |
| Equity capital to assets | 10.6956% | 2,265 |
| Core capital (leverage) ratio | 10.0380% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,317,000 | 3,084 |
| Average earning assets | $186,129,250 | 3,094 |
| Average equity | $20,292,250 | 3,222 |
| Average total loans | $104,365,750 | 3,183 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 863 |
| Cost of funding earning assets | 0.4246% | 1,702 |
| Net interest margin | 3.9660% | 870 |
| Noninterest income to average assets | 0.4744% | 2,736 |
| Noninterest expense to average assets | 2.6805% | 1,641 |
| Loan and lease loss provision to assets | 0.0901% | 1,384 |
| Net operating income to assets | 1.0662% | 2,659 |
| Return on assets (ROA) | 1.0870% | 2,658 |
| Pretax return on assets | 1.3573% | 2,446 |
| Return on Equity (ROE) | 11.0954% | 2,397 |
| Retained earnings to average equity (ytd only) | 11.0954% | 1,106 |
| Net charge-offs to loans | 0.0776% | 885 |
| Credit loss provision to net charge-offs | 225.0000% | 998 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,225 |
| Efficiency ratio | 65.3490% | 2,245 |
| Assets per employee ($millions) | 4.1386% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0103% | 601 |
| Loan loss allowance to noncurrent loans | 736.7698% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 2,656 |
| Noncurrent loans to loans | 0.2729% | 2,962 |
| Net loans and leases to total assets | 48.5609% | 3,675 |
| Net loans and leases to deposits | 54.8478% | 3,804 |
| Net loans and leases to core deposits | 60.0801% | 3,612 |
| Total domestic deposits to total assets | 88.5376% | 1,546 |
| Equity capital to assets | 9.3310% | 3,483 |
| Core capital (leverage) ratio | 9.2072% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,814,667 | 3,101 |
| Average earning assets | $182,754,667 | 3,118 |
| Average equity | $19,575,667 | 3,285 |
| Average total loans | $103,071,000 | 3,218 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 1,271 |
| Cost of funding earning assets | 0.4679% | 1,601 |
| Net interest margin | 3.6909% | 1,353 |
| Noninterest income to average assets | 0.4789% | 2,710 |
| Noninterest expense to average assets | 2.7025% | 1,616 |
| Loan and lease loss provision to assets | 0.0937% | 1,429 |
| Net operating income to assets | 0.8576% | 3,246 |
| Return on assets (ROA) | 0.8849% | 3,247 |
| Pretax return on assets | 1.0827% | 3,156 |
| Return on Equity (ROE) | 8.7978% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.7978% | 2,019 |
| Net charge-offs to loans | 0.0434% | 1,037 |
| Credit loss provision to net charge-offs | 409.0909% | 645 |
| Earnings coverage of net charge-offs (x) | 49.9091% | 901 |
| Efficiency ratio | 70.2761% | 1,665 |
| Assets per employee ($millions) | 3.9061% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0686% | 525 |
| Loan loss allowance to noncurrent loans | 471.8404% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 2,400 |
| Noncurrent loans to loans | 0.4384% | 2,544 |
| Net loans and leases to total assets | 49.5985% | 3,668 |
| Net loans and leases to deposits | 56.6217% | 3,746 |
| Net loans and leases to core deposits | 62.7077% | 3,527 |
| Total domestic deposits to total assets | 87.5963% | 2,047 |
| Equity capital to assets | 9.3537% | 3,328 |
| Core capital (leverage) ratio | 9.7371% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,118,000 | 3,148 |
| Average earning assets | $175,242,000 | 3,161 |
| Average equity | $19,323,000 | 3,297 |
| Average total loans | $101,281,000 | 3,240 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 977 |
| Cost of funding earning assets | 0.7440% | 1,489 |
| Net interest margin | 3.9116% | 1,181 |
| Noninterest income to average assets | 0.7317% | 1,736 |
| Noninterest expense to average assets | 2.8523% | 1,812 |
| Loan and lease loss provision to assets | 0.5364% | 426 |
| Net operating income to assets | 0.7635% | 3,228 |
| Return on assets (ROA) | 0.9338% | 2,692 |
| Pretax return on assets | 1.1427% | 2,538 |
| Return on Equity (ROE) | 9.1866% | 2,321 |
| Retained earnings to average equity (ytd only) | 7.5204% | 1,195 |
| Net charge-offs to loans | 0.2157% | 808 |
| Credit loss provision to net charge-offs | 443.9252% | 1,342 |
| Earnings coverage of net charge-offs (x) | 12.1776% | 2,350 |
| Efficiency ratio | 65.9702% | 2,534 |
| Assets per employee ($millions) | 3.4173% | 4,681 |
| Cash dividends to net income (ytd only)* | 18.1378% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 489 |
| Loan loss allowance to noncurrent loans | 475.9091% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 2,364 |
| Noncurrent loans to loans | 0.4414% | 2,652 |
| Net loans and leases to total assets | 53.8856% | 3,495 |
| Net loans and leases to deposits | 61.9149% | 3,609 |
| Net loans and leases to core deposits | 69.3910% | 3,292 |
| Total domestic deposits to total assets | 87.0317% | 1,929 |
| Equity capital to assets | 10.8476% | 2,387 |
| Core capital (leverage) ratio | 10.2498% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,120,000 | 3,126 |
| Average earning assets | $162,643,000 | 3,140 |
| Average equity | $18,004,400 | 3,364 |
| Average total loans | $99,211,800 | 3,243 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 1,241 |
| Cost of funding earning assets | 0.8095% | 1,449 |
| Net interest margin | 3.8143% | 1,578 |
| Noninterest income to average assets | 0.6011% | 2,174 |
| Noninterest expense to average assets | 2.8881% | 1,732 |
| Loan and lease loss provision to assets | 0.5298% | 533 |
| Net operating income to assets | 0.5649% | 3,869 |
| Return on assets (ROA) | 0.7934% | 3,235 |
| Pretax return on assets | 0.9683% | 3,167 |
| Return on Equity (ROE) | 7.9420% | 2,826 |
| Retained earnings to average equity (ytd only) | 7.9420% | 1,325 |
| Net charge-offs to loans | 0.2435% | 631 |
| Credit loss provision to net charge-offs | 386.7403% | 1,501 |
| Earnings coverage of net charge-offs (x) | 8.9006% | 2,465 |
| Efficiency ratio | 70.3096% | 1,843 |
| Assets per employee ($millions) | 3.4187% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 694 |
| Loan loss allowance to noncurrent loans | 437.5291% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 2,568 |
| Noncurrent loans to loans | 0.4151% | 2,814 |
| Net loans and leases to total assets | 56.0012% | 3,626 |
| Net loans and leases to deposits | 65.2066% | 3,677 |
| Net loans and leases to core deposits | 72.6104% | 3,423 |
| Total domestic deposits to total assets | 85.8827% | 2,126 |
| Equity capital to assets | 10.2821% | 2,980 |
| Core capital (leverage) ratio | 9.5078% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,120,250 | 3,124 |
| Average earning assets | $161,913,000 | 3,134 |
| Average equity | $17,593,750 | 3,408 |
| Average total loans | $99,092,000 | 3,256 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 1,510 |
| Cost of funding earning assets | 0.8499% | 1,604 |
| Net interest margin | 3.8106% | 1,809 |
| Noninterest income to average assets | 0.6226% | 2,048 |
| Noninterest expense to average assets | 2.9754% | 1,645 |
| Loan and lease loss provision to assets | 0.4013% | 1,005 |
| Net operating income to assets | 0.6085% | 3,712 |
| Return on assets (ROA) | 0.7636% | 3,285 |
| Pretax return on assets | 0.9310% | 3,227 |
| Return on Equity (ROE) | 7.7225% | 2,854 |
| Retained earnings to average equity (ytd only) | 7.7225% | 1,396 |
| Net charge-offs to loans | 0.3133% | 515 |
| Credit loss provision to net charge-offs | 228.7582% | 1,809 |
| Earnings coverage of net charge-offs (x) | 6.5163% | 2,432 |
| Efficiency ratio | 72.2439% | 1,646 |
| Assets per employee ($millions) | 3.5900% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 1,206 |
| Loan loss allowance to noncurrent loans | 304.9020% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 2,352 |
| Noncurrent loans to loans | 0.4988% | 2,657 |
| Net loans and leases to total assets | 53.9369% | 3,881 |
| Net loans and leases to deposits | 63.1305% | 3,948 |
| Net loans and leases to core deposits | 70.3629% | 3,671 |
| Total domestic deposits to total assets | 85.4372% | 2,231 |
| Equity capital to assets | 9.7846% | 3,385 |
| Core capital (leverage) ratio | 9.2800% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,430,667 | 3,124 |
| Average earning assets | $160,025,667 | 3,132 |
| Average equity | $17,248,333 | 3,443 |
| Average total loans | $97,674,333 | 3,272 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 1,314 |
| Cost of funding earning assets | 0.9175% | 1,778 |
| Net interest margin | 3.9297% | 1,581 |
| Noninterest income to average assets | 0.7344% | 1,517 |
| Noninterest expense to average assets | 3.1039% | 1,628 |
| Loan and lease loss provision to assets | 0.2377% | 1,306 |
| Net operating income to assets | 0.8128% | 2,865 |
| Return on assets (ROA) | 0.8128% | 2,953 |
| Pretax return on assets | 0.9863% | 2,882 |
| Return on Equity (ROE) | 8.1723% | 2,443 |
| Retained earnings to average equity (ytd only) | 8.1723% | 1,179 |
| Net charge-offs to loans | 0.3816% | 377 |
| Credit loss provision to net charge-offs | 109.8901% | 1,756 |
| Earnings coverage of net charge-offs (x) | 5.6593% | 2,041 |
| Efficiency ratio | 71.7188% | 2,122 |
| Assets per employee ($millions) | 3.2816% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,659 |
| Loan loss allowance to noncurrent loans | 252.6802% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 2,309 |
| Noncurrent loans to loans | 0.5584% | 2,605 |
| Net loans and leases to total assets | 54.9145% | 3,919 |
| Net loans and leases to deposits | 62.9376% | 4,040 |
| Net loans and leases to core deposits | 70.4105% | 3,855 |
| Total domestic deposits to total assets | 87.2524% | 1,446 |
| Equity capital to assets | 9.4364% | 4,280 |
| Core capital (leverage) ratio | 9.7480% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,305,500 | 3,150 |
| Average earning assets | $153,904,500 | 3,155 |
| Average equity | $16,739,500 | 3,495 |
| Average total loans | $95,389,000 | 3,294 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 1,182 |
| Cost of funding earning assets | 0.9566% | 1,924 |
| Net interest margin | 4.1602% | 1,393 |
| Noninterest income to average assets | 0.6925% | 1,843 |
| Noninterest expense to average assets | 3.1000% | 1,761 |
| Loan and lease loss provision to assets | 0.2004% | 1,015 |
| Net operating income to assets | 0.9380% | 3,064 |
| Return on assets (ROA) | 0.9524% | 3,092 |
| Pretax return on assets | 1.1646% | 2,970 |
| Return on Equity (ROE) | 9.0563% | 2,726 |
| Retained earnings to average equity (ytd only) | -0.7681% | 4,788 |
| Net charge-offs to loans | 0.3618% | 551 |
| Credit loss provision to net charge-offs | 95.8084% | 2,576 |
| Earnings coverage of net charge-offs (x) | 6.4431% | 2,979 |
| Efficiency ratio | 69.7029% | 2,217 |
| Assets per employee ($millions) | 3.0127% | 4,823 |
| Cash dividends to net income (ytd only)* | 108.4813% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 1,372 |
| Loan loss allowance to noncurrent loans | 240.3540% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 1,753 |
| Noncurrent loans to loans | 0.6017% | 2,382 |
| Net loans and leases to total assets | 56.8843% | 3,856 |
| Net loans and leases to deposits | 67.1085% | 3,891 |
| Net loans and leases to core deposits | 75.5665% | 3,607 |
| Total domestic deposits to total assets | 84.7647% | 2,586 |
| Equity capital to assets | 10.4906% | 3,457 |
| Core capital (leverage) ratio | 10.0459% | 3,462 |
| Tier 1 risk-based capital ratio | 16.2871% | 2,297 |
| Total risk-based capital ratio | 17.5381% | 2,245 |
| Memoranda: | ||
| Average total assets | $159,709,400 | 3,204 |
| Average earning assets | $144,153,000 | 3,232 |
| Average equity | $16,795,000 | 3,461 |
| Average total loans | $92,312,200 | 3,354 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 1,181 |
| Cost of funding earning assets | 0.9566% | 1,962 |
| Net interest margin | 4.1831% | 1,412 |
| Noninterest income to average assets | 0.5762% | 2,328 |
| Noninterest expense to average assets | 3.0698% | 1,782 |
| Loan and lease loss provision to assets | 0.1719% | 1,070 |
| Net operating income to assets | 0.9014% | 3,341 |
| Return on assets (ROA) | 0.8924% | 3,449 |
| Pretax return on assets | 1.0904% | 3,321 |
| Return on Equity (ROE) | 8.4811% | 3,123 |
| Retained earnings to average equity (ytd only) | 2.5029% | 4,093 |
| Net charge-offs to loans | 0.2335% | 761 |
| Credit loss provision to net charge-offs | 127.3292% | 1,857 |
| Earnings coverage of net charge-offs (x) | 9.4286% | 2,573 |
| Efficiency ratio | 70.6837% | 2,027 |
| Assets per employee ($millions) | 3.1139% | 4,829 |
| Cash dividends to net income (ytd only)* | 70.4891% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,191 |
| Loan loss allowance to noncurrent loans | 283.2000% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 1,804 |
| Noncurrent loans to loans | 0.5375% | 2,675 |
| Net loans and leases to total assets | 55.5109% | 4,079 |
| Net loans and leases to deposits | 66.4843% | 4,028 |
| Net loans and leases to core deposits | 74.3288% | 3,809 |
| Total domestic deposits to total assets | 83.4947% | 2,998 |
| Equity capital to assets | 10.6212% | 3,444 |
| Core capital (leverage) ratio | 10.0520% | 3,592 |
| Tier 1 risk-based capital ratio | 16.6364% | 2,209 |
| Total risk-based capital ratio | 17.8884% | 2,142 |
| Memoranda: | ||
| Average total assets | $158,964,750 | 3,241 |
| Average earning assets | $143,143,750 | 3,272 |
| Average equity | $16,727,000 | 3,494 |
| Average total loans | $91,914,750 | 3,402 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 1,254 |
| Cost of funding earning assets | 0.9205% | 2,049 |
| Net interest margin | 4.1644% | 1,442 |
| Noninterest income to average assets | 0.5556% | 2,360 |
| Noninterest expense to average assets | 3.0789% | 1,798 |
| Loan and lease loss provision to assets | 0.1466% | 1,258 |
| Net operating income to assets | 0.8857% | 3,339 |
| Return on assets (ROA) | 0.8857% | 3,403 |
| Pretax return on assets | 1.0832% | 3,279 |
| Return on Equity (ROE) | 8.4449% | 3,094 |
| Retained earnings to average equity (ytd only) | -0.6683% | 4,785 |
| Net charge-offs to loans | 0.1988% | 830 |
| Credit loss provision to net charge-offs | 126.3736% | 1,681 |
| Earnings coverage of net charge-offs (x) | 10.6044% | 2,254 |
| Efficiency ratio | 71.4581% | 1,994 |
| Assets per employee ($millions) | 3.0536% | 4,877 |
| Cash dividends to net income (ytd only)* | 107.9137% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,304 |
| Loan loss allowance to noncurrent loans | 401.1494% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 1,987 |
| Noncurrent loans to loans | 0.3716% | 3,191 |
| Net loans and leases to total assets | 57.0028% | 4,012 |
| Net loans and leases to deposits | 70.3351% | 3,814 |
| Net loans and leases to core deposits | 78.9199% | 3,509 |
| Total domestic deposits to total assets | 81.0446% | 3,794 |
| Equity capital to assets | 10.5503% | 3,475 |
| Core capital (leverage) ratio | 10.3437% | 3,248 |
| Tier 1 risk-based capital ratio | 16.1985% | 2,328 |
| Total risk-based capital ratio | 17.4499% | 2,281 |
| Memoranda: | ||
| Average total assets | $156,940,330 | 3,277 |
| Average earning assets | $141,438,000 | 3,309 |
| Average equity | $16,459,670 | 3,519 |
| Average total loans | $91,543,000 | 3,422 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0884% | 1,119 |
| Cost of funding earning assets | 0.8668% | 2,176 |
| Net interest margin | 4.2216% | 1,259 |
| Noninterest income to average assets | 0.5515% | 2,283 |
| Noninterest expense to average assets | 3.1381% | 1,636 |
| Loan and lease loss provision to assets | 0.1295% | 1,352 |
| Net operating income to assets | 0.8674% | 3,368 |
| Return on assets (ROA) | 0.8674% | 3,416 |
| Pretax return on assets | 1.0667% | 3,252 |
| Return on Equity (ROE) | 8.2962% | 3,117 |
| Retained earnings to average equity (ytd only) | -10.2774% | 5,114 |
| Net charge-offs to loans | 0.1724% | 796 |
| Credit loss provision to net charge-offs | 128.2051% | 1,363 |
| Earnings coverage of net charge-offs (x) | 11.8462% | 1,891 |
| Efficiency ratio | 72.4014% | 1,974 |
| Assets per employee ($millions) | 3.1113% | 4,907 |
| Cash dividends to net income (ytd only)* | 223.8806% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 1,345 |
| Loan loss allowance to noncurrent loans | 684.6535% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 2,351 |
| Noncurrent loans to loans | 0.2188% | 3,806 |
| Net loans and leases to total assets | 57.2988% | 3,959 |
| Net loans and leases to deposits | 66.3965% | 4,025 |
| Net loans and leases to core deposits | 73.8581% | 3,803 |
| Total domestic deposits to total assets | 86.2980% | 2,142 |
| Equity capital to assets | 10.1748% | 3,651 |
| Core capital (leverage) ratio | 10.4004% | 3,164 |
| Tier 1 risk-based capital ratio | 16.0483% | 2,418 |
| Total risk-based capital ratio | 17.3000% | 2,362 |
| Memoranda: | ||
| Average total assets | $154,489,000 | 3,344 |
| Average earning assets | $138,432,500 | 3,391 |
| Average equity | $16,152,000 | 3,561 |
| Average total loans | $90,489,000 | 3,481 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 1,268 |
| Cost of funding earning assets | 0.5998% | 2,721 |
| Net interest margin | 4.3064% | 1,138 |
| Noninterest income to average assets | 0.8484% | 1,314 |
| Noninterest expense to average assets | 3.2207% | 1,501 |
| Loan and lease loss provision to assets | 0.1823% | 1,070 |
| Net operating income to assets | 1.0639% | 2,744 |
| Return on assets (ROA) | 1.0745% | 2,688 |
| Pretax return on assets | 1.3369% | 2,378 |
| Return on Equity (ROE) | 10.6664% | 2,220 |
| Retained earnings to average equity (ytd only) | 8.6924% | 985 |
| Net charge-offs to loans | 0.0126% | 3,265 |
| Credit loss provision to net charge-offs | 2,500.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 206.5455% | 443 |
| Efficiency ratio | 68.1391% | 2,517 |
| Assets per employee ($millions) | 3.0060% | 4,990 |
| Cash dividends to net income (ytd only)* | 18.5071% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,157 |
| Loan loss allowance to noncurrent loans | 601.7544% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.7099% | 1,950 |
| Noncurrent loans to loans | 0.2571% | 3,657 |
| Net loans and leases to total assets | 58.0854% | 3,952 |
| Net loans and leases to deposits | 70.6369% | 3,779 |
| Net loans and leases to core deposits | 77.1398% | 3,632 |
| Total domestic deposits to total assets | 82.2310% | 3,578 |
| Equity capital to assets | 10.7511% | 2,930 |
| Core capital (leverage) ratio | 10.8138% | 2,726 |
| Tier 1 risk-based capital ratio | 16.9868% | 2,075 |
| Total risk-based capital ratio | 18.2379% | 2,019 |
| Memoranda: | ||
| Average total assets | $150,866,200 | 3,374 |
| Average earning assets | $135,868,200 | 3,413 |
| Average equity | $15,197,200 | 3,611 |
| Average total loans | $87,307,200 | 3,530 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8441% | 1,311 |
| Cost of funding earning assets | 0.5371% | 2,951 |
| Net interest margin | 4.3069% | 1,100 |
| Noninterest income to average assets | 0.7496% | 1,676 |
| Noninterest expense to average assets | 3.2828% | 1,334 |
| Loan and lease loss provision to assets | 0.0662% | 2,653 |
| Net operating income to assets | 1.0410% | 2,914 |
| Return on assets (ROA) | 1.0410% | 2,923 |
| Pretax return on assets | 1.2873% | 2,671 |
| Return on Equity (ROE) | 10.5100% | 2,389 |
| Retained earnings to average equity (ytd only) | 7.8357% | 1,730 |
| Net charge-offs to loans | -0.0291% | 4,738 |
| Credit loss provision to net charge-offs | -394.7368% | 4,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8056% | 2,073 |
| Assets per employee ($millions) | 2.9841% | 5,046 |
| Cash dividends to net income (ytd only)* | 25.4453% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 1,889 |
| Loan loss allowance to noncurrent loans | 931.7829% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 2,159 |
| Noncurrent loans to loans | 0.1448% | 4,240 |
| Net loans and leases to total assets | 57.7354% | 4,066 |
| Net loans and leases to deposits | 69.4853% | 3,960 |
| Net loans and leases to core deposits | 72.8763% | 4,021 |
| Total domestic deposits to total assets | 83.0901% | 3,275 |
| Equity capital to assets | 10.0277% | 3,611 |
| Core capital (leverage) ratio | 10.5167% | 3,062 |
| Tier 1 risk-based capital ratio | 16.3099% | 2,333 |
| Total risk-based capital ratio | 17.5352% | 2,281 |
| Memoranda: | ||
| Average total assets | $151,007,500 | 3,409 |
| Average earning assets | $136,273,750 | 3,449 |
| Average equity | $14,956,750 | 3,670 |
| Average total loans | $86,965,250 | 3,564 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7631% | 1,343 |
| Cost of funding earning assets | 0.4938% | 3,047 |
| Net interest margin | 4.2693% | 1,110 |
| Noninterest income to average assets | 0.7144% | 1,819 |
| Noninterest expense to average assets | 3.2945% | 1,336 |
| Loan and lease loss provision to assets | 0.0664% | 2,566 |
| Net operating income to assets | 0.9853% | 3,086 |
| Return on assets (ROA) | 0.9853% | 3,087 |
| Pretax return on assets | 1.2110% | 2,907 |
| Return on Equity (ROE) | 9.9897% | 2,567 |
| Retained earnings to average equity (ytd only) | 5.9507% | 2,585 |
| Net charge-offs to loans | -0.0510% | 4,928 |
| Credit loss provision to net charge-offs | -227.2727% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0593% | 2,003 |
| Assets per employee ($millions) | 2.9445% | 5,136 |
| Cash dividends to net income (ytd only)* | 40.4313% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 2,019 |
| Loan loss allowance to noncurrent loans | 1,255.3191% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 1,910 |
| Noncurrent loans to loans | 0.1062% | 4,438 |
| Net loans and leases to total assets | 57.0343% | 4,080 |
| Net loans and leases to deposits | 66.7878% | 4,121 |
| Net loans and leases to core deposits | 70.3252% | 4,125 |
| Total domestic deposits to total assets | 85.3964% | 2,530 |
| Equity capital to assets | 9.7640% | 3,859 |
| Core capital (leverage) ratio | 10.2771% | 3,258 |
| Tier 1 risk-based capital ratio | 15.7180% | 2,546 |
| Total risk-based capital ratio | 16.9097% | 2,508 |
| Memoranda: | ||
| Average total assets | $150,613,670 | 3,428 |
| Average earning assets | $136,087,670 | 3,472 |
| Average equity | $14,855,330 | 3,698 |
| Average total loans | $86,264,000 | 3,598 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 1,068 |
| Cost of funding earning assets | 0.4744% | 3,009 |
| Net interest margin | 4.3344% | 894 |
| Noninterest income to average assets | 0.7257% | 1,719 |
| Noninterest expense to average assets | 3.3609% | 1,234 |
| Loan and lease loss provision to assets | 0.0536% | 2,702 |
| Net operating income to assets | 0.9962% | 2,870 |
| Return on assets (ROA) | 0.9962% | 2,893 |
| Pretax return on assets | 1.2265% | 2,657 |
| Return on Equity (ROE) | 10.0486% | 2,397 |
| Retained earnings to average equity (ytd only) | 1.9449% | 4,363 |
| Net charge-offs to loans | -0.0094% | 4,221 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4178% | 2,133 |
| Assets per employee ($millions) | 2.8220% | 5,277 |
| Cash dividends to net income (ytd only)* | 80.6452% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 2,152 |
| Loan loss allowance to noncurrent loans | 706.2500% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 1,902 |
| Noncurrent loans to loans | 0.1870% | 4,123 |
| Net loans and leases to total assets | 56.4653% | 4,085 |
| Net loans and leases to deposits | 62.7873% | 4,285 |
| Net loans and leases to core deposits | 65.2467% | 4,360 |
| Total domestic deposits to total assets | 89.9310% | 686 |
| Equity capital to assets | 9.7822% | 3,808 |
| Core capital (leverage) ratio | 9.9035% | 3,640 |
| Tier 1 risk-based capital ratio | 15.8482% | 2,539 |
| Total risk-based capital ratio | 17.0269% | 2,515 |
| Memoranda: | ||
| Average total assets | $149,364,000 | 3,476 |
| Average earning assets | $134,919,500 | 3,524 |
| Average equity | $14,808,000 | 3,736 |
| Average total loans | $85,142,500 | 3,650 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 1,118 |
| Cost of funding earning assets | 0.4032% | 3,222 |
| Net interest margin | 4.3302% | 908 |
| Noninterest income to average assets | 0.8799% | 1,327 |
| Noninterest expense to average assets | 3.2608% | 1,458 |
| Loan and lease loss provision to assets | 0.1104% | 2,046 |
| Net operating income to assets | 0.7366% | 3,441 |
| Return on assets (ROA) | 0.7308% | 3,508 |
| Pretax return on assets | 1.3830% | 2,047 |
| Return on Equity (ROE) | 7.3069% | 3,116 |
| Retained earnings to average equity (ytd only) | 3.1670% | 3,405 |
| Net charge-offs to loans | 0.0787% | 2,319 |
| Credit loss provision to net charge-offs | 242.4242% | 1,139 |
| Earnings coverage of net charge-offs (x) | 32.9848% | 1,449 |
| Efficiency ratio | 68.4584% | 2,801 |
| Assets per employee ($millions) | 2.7622% | 5,353 |
| Cash dividends to net income (ytd only)* | 56.6572% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 2,175 |
| Loan loss allowance to noncurrent loans | 886.4000% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 2,044 |
| Noncurrent loans to loans | 0.1476% | 4,335 |
| Net loans and leases to total assets | 56.0425% | 4,183 |
| Net loans and leases to deposits | 66.7367% | 4,128 |
| Net loans and leases to core deposits | 69.4888% | 4,206 |
| Total domestic deposits to total assets | 83.9756% | 3,219 |
| Equity capital to assets | 10.0463% | 3,650 |
| Core capital (leverage) ratio | 9.8809% | 3,602 |
| Tier 1 risk-based capital ratio | 15.9343% | 2,456 |
| Total risk-based capital ratio | 17.1019% | 2,436 |
| Memoranda: | ||
| Average total assets | $144,903,800 | 3,541 |
| Average earning assets | $129,948,000 | 3,589 |
| Average equity | $14,493,200 | 3,778 |
| Average total loans | $83,899,600 | 3,661 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 1,048 |
| Cost of funding earning assets | 0.3791% | 3,382 |
| Net interest margin | 4.3647% | 794 |
| Noninterest income to average assets | 0.7091% | 1,965 |
| Noninterest expense to average assets | 3.3370% | 1,269 |
| Loan and lease loss provision to assets | 0.1483% | 1,413 |
| Net operating income to assets | 0.7861% | 3,579 |
| Return on assets (ROA) | 0.7777% | 3,658 |
| Pretax return on assets | 1.1179% | 3,239 |
| Return on Equity (ROE) | 7.7844% | 3,244 |
| Retained earnings to average equity (ytd only) | 2.2175% | 4,530 |
| Net charge-offs to loans | 0.0605% | 2,250 |
| Credit loss provision to net charge-offs | 421.0526% | 741 |
| Earnings coverage of net charge-offs (x) | 36.2862% | 1,391 |
| Efficiency ratio | 72.3037% | 2,162 |
| Assets per employee ($millions) | 2.7319% | 5,421 |
| Cash dividends to net income (ytd only)* | 71.5136% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 2,226 |
| Loan loss allowance to noncurrent loans | 767.5676% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 2,240 |
| Noncurrent loans to loans | 0.1729% | 4,378 |
| Net loans and leases to total assets | 57.2654% | 4,132 |
| Net loans and leases to deposits | 70.2283% | 3,942 |
| Net loans and leases to core deposits | 73.2435% | 4,040 |
| Total domestic deposits to total assets | 81.5417% | 3,906 |
| Equity capital to assets | 10.1680% | 3,733 |
| Core capital (leverage) ratio | 10.2188% | 3,292 |
| Tier 1 risk-based capital ratio | 15.5788% | 2,679 |
| Total risk-based capital ratio | 16.7665% | 2,651 |
| Memoranda: | ||
| Average total assets | $143,839,750 | 3,584 |
| Average earning assets | $128,726,500 | 3,637 |
| Average equity | $14,370,250 | 3,839 |
| Average total loans | $83,699,250 | 3,691 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 1,002 |
| Cost of funding earning assets | 0.3545% | 3,534 |
| Net interest margin | 4.3753% | 733 |
| Noninterest income to average assets | 0.7068% | 1,956 |
| Noninterest expense to average assets | 3.3461% | 1,278 |
| Loan and lease loss provision to assets | 0.1683% | 1,169 |
| Net operating income to assets | 0.7531% | 3,630 |
| Return on assets (ROA) | 0.7531% | 3,680 |
| Pretax return on assets | 1.0869% | 3,229 |
| Return on Equity (ROE) | 7.5846% | 3,250 |
| Retained earnings to average equity (ytd only) | -0.8898% | 5,219 |
| Net charge-offs to loans | 0.0602% | 2,070 |
| Credit loss provision to net charge-offs | 480.0000% | 685 |
| Earnings coverage of net charge-offs (x) | 35.8000% | 1,347 |
| Efficiency ratio | 72.7217% | 2,230 |
| Assets per employee ($millions) | 2.7136% | 5,469 |
| Cash dividends to net income (ytd only)* | 111.7318% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 2,302 |
| Loan loss allowance to noncurrent loans | 754.4218% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 2,256 |
| Noncurrent loans to loans | 0.1754% | 4,421 |
| Net loans and leases to total assets | 57.5155% | 4,081 |
| Net loans and leases to deposits | 66.6796% | 4,172 |
| Net loans and leases to core deposits | 68.8209% | 4,313 |
| Total domestic deposits to total assets | 86.2566% | 2,266 |
| Equity capital to assets | 10.1806% | 3,691 |
| Core capital (leverage) ratio | 10.1716% | 3,310 |
| Tier 1 risk-based capital ratio | 15.3862% | 2,755 |
| Total risk-based capital ratio | 16.5550% | 2,732 |
| Memoranda: | ||
| Average total assets | $142,612,330 | 3,623 |
| Average earning assets | $126,939,670 | 3,690 |
| Average equity | $14,160,330 | 3,873 |
| Average total loans | $83,060,670 | 3,721 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 914 |
| Cost of funding earning assets | 0.3487% | 3,544 |
| Net interest margin | 4.3653% | 682 |
| Noninterest income to average assets | 0.7493% | 1,752 |
| Noninterest expense to average assets | 3.3829% | 1,234 |
| Loan and lease loss provision to assets | 0.1690% | 1,052 |
| Net operating income to assets | 0.7521% | 3,468 |
| Return on assets (ROA) | 0.7521% | 3,521 |
| Pretax return on assets | 1.0760% | 3,072 |
| Return on Equity (ROE) | 7.6727% | 3,085 |
| Retained earnings to average equity (ytd only) | -9.5693% | 5,566 |
| Net charge-offs to loans | 0.1838% | 923 |
| Credit loss provision to net charge-offs | 157.8947% | 1,173 |
| Earnings coverage of net charge-offs (x) | 11.6316% | 1,879 |
| Efficiency ratio | 73.0980% | 2,389 |
| Assets per employee ($millions) | 2.7018% | 5,537 |
| Cash dividends to net income (ytd only)* | 224.7191% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,888 |
| Loan loss allowance to noncurrent loans | 1,046.4646% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 2,321 |
| Noncurrent loans to loans | 0.1185% | 4,716 |
| Net loans and leases to total assets | 57.5998% | 4,009 |
| Net loans and leases to deposits | 64.0646% | 4,303 |
| Net loans and leases to core deposits | 66.0152% | 4,424 |
| Total domestic deposits to total assets | 89.9089% | 703 |
| Equity capital to assets | 9.6770% | 4,090 |
| Core capital (leverage) ratio | 9.8596% | 3,681 |
| Tier 1 risk-based capital ratio | 14.9755% | 2,977 |
| Total risk-based capital ratio | 16.0582% | 2,988 |
| Memoranda: | ||
| Average total assets | $142,007,500 | 3,665 |
| Average earning assets | $126,177,500 | 3,733 |
| Average equity | $13,919,500 | 3,933 |
| Average total loans | $82,676,500 | 3,749 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 803 |
| Cost of funding earning assets | 0.2938% | 4,136 |
| Net interest margin | 4.5561% | 547 |
| Noninterest income to average assets | 0.7454% | 1,970 |
| Noninterest expense to average assets | 3.3632% | 1,435 |
| Loan and lease loss provision to assets | 0.0738% | 2,875 |
| Net operating income to assets | 0.9328% | 2,664 |
| Return on assets (ROA) | 0.7521% | 3,646 |
| Pretax return on assets | 1.0598% | 3,263 |
| Return on Equity (ROE) | 7.2863% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.6049% | 2,633 |
| Net charge-offs to loans | -0.0684% | 5,475 |
| Credit loss provision to net charge-offs | -188.6792% | 4,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7829% | 2,781 |
| Assets per employee ($millions) | 2.6078% | 5,613 |
| Cash dividends to net income (ytd only)* | 36.8008% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,882 |
| Loan loss allowance to noncurrent loans | 412.1951% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 2,276 |
| Noncurrent loans to loans | 0.3006% | 4,063 |
| Net loans and leases to total assets | 57.3945% | 4,128 |
| Net loans and leases to deposits | 71.0008% | 3,812 |
| Net loans and leases to core deposits | 73.6254% | 3,952 |
| Total domestic deposits to total assets | 80.8365% | 4,376 |
| Equity capital to assets | 9.9290% | 3,792 |
| Core capital (leverage) ratio | 10.5655% | 2,816 |
| Tier 1 risk-based capital ratio | 15.2584% | 2,857 |
| Total risk-based capital ratio | 16.3357% | 2,861 |
| Memoranda: | ||
| Average total assets | $135,496,000 | 3,741 |
| Average earning assets | $119,136,000 | 3,844 |
| Average equity | $13,985,200 | 3,941 |
| Average total loans | $77,439,000 | 3,859 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 751 |
| Cost of funding earning assets | 0.2995% | 4,105 |
| Net interest margin | 4.5821% | 524 |
| Noninterest income to average assets | 0.7334% | 2,030 |
| Noninterest expense to average assets | 3.4285% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9128% | 2,844 |
| Return on assets (ROA) | 0.7702% | 3,655 |
| Pretax return on assets | 1.1120% | 3,179 |
| Return on Equity (ROE) | 7.3882% | 3,360 |
| Retained earnings to average equity (ytd only) | 3.8132% | 3,598 |
| Net charge-offs to loans | 0.0332% | 2,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 69.8496% | 857 |
| Efficiency ratio | 72.2211% | 2,544 |
| Assets per employee ($millions) | 2.5030% | 5,718 |
| Cash dividends to net income (ytd only)* | 48.3872% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 4,078 |
| Loan loss allowance to noncurrent loans | 389.8148% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 2,454 |
| Noncurrent loans to loans | 0.2716% | 4,288 |
| Net loans and leases to total assets | 58.2110% | 4,077 |
| Net loans and leases to deposits | 67.7569% | 4,173 |
| Net loans and leases to core deposits | 69.3168% | 4,378 |
| Total domestic deposits to total assets | 85.9115% | 2,402 |
| Equity capital to assets | 10.6999% | 3,353 |
| Core capital (leverage) ratio | 10.4351% | 3,064 |
| Tier 1 risk-based capital ratio | 14.9671% | 3,066 |
| Total risk-based capital ratio | 15.8701% | 3,168 |
| Memoranda: | ||
| Average total assets | $134,165,000 | 3,789 |
| Average earning assets | $117,526,750 | 3,898 |
| Average equity | $13,986,000 | 3,976 |
| Average total loans | $76,339,500 | 3,925 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8463% | 807 |
| Cost of funding earning assets | 0.3008% | 4,120 |
| Net interest margin | 4.5455% | 560 |
| Noninterest income to average assets | 0.6800% | 2,232 |
| Noninterest expense to average assets | 3.3624% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9020% | 2,853 |
| Return on assets (ROA) | 0.7577% | 3,662 |
| Pretax return on assets | 1.0864% | 3,257 |
| Return on Equity (ROE) | 7.3333% | 3,351 |
| Retained earnings to average equity (ytd only) | 1.9093% | 4,602 |
| Net charge-offs to loans | -0.0266% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2311% | 2,615 |
| Assets per employee ($millions) | 2.5348% | 5,764 |
| Cash dividends to net income (ytd only)* | 73.9645% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 3,598 |
| Loan loss allowance to noncurrent loans | 565.5844% | 970 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 1,564 |
| Noncurrent loans to loans | 0.2045% | 4,628 |
| Net loans and leases to total assets | 55.3958% | 4,370 |
| Net loans and leases to deposits | 62.7213% | 4,593 |
| Net loans and leases to core deposits | 63.9936% | 4,749 |
| Total domestic deposits to total assets | 88.3205% | 1,265 |
| Equity capital to assets | 10.5571% | 3,572 |
| Core capital (leverage) ratio | 10.0532% | 3,507 |
| Tier 1 risk-based capital ratio | 14.6161% | 3,244 |
| Total risk-based capital ratio | 15.5591% | 3,352 |
| Memoranda: | ||
| Average total assets | $133,833,330 | 3,815 |
| Average earning assets | $117,038,670 | 3,932 |
| Average equity | $13,827,330 | 4,014 |
| Average total loans | $75,279,330 | 3,968 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 845 |
| Cost of funding earning assets | 0.3041% | 4,115 |
| Net interest margin | 4.4962% | 612 |
| Noninterest income to average assets | 0.6618% | 2,208 |
| Noninterest expense to average assets | 3.5096% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7575% | 3,449 |
| Return on assets (ROA) | 0.7307% | 3,689 |
| Pretax return on assets | 1.0541% | 3,261 |
| Return on Equity (ROE) | 7.1504% | 3,375 |
| Retained earnings to average equity (ytd only) | -3.8390% | 5,540 |
| Net charge-offs to loans | -0.0106% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2524% | 2,143 |
| Assets per employee ($millions) | 2.5673% | 5,810 |
| Cash dividends to net income (ytd only)* | 153.6885% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 3,759 |
| Loan loss allowance to noncurrent loans | 418.9320% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 1,582 |
| Noncurrent loans to loans | 0.2748% | 4,450 |
| Net loans and leases to total assets | 53.4399% | 4,500 |
| Net loans and leases to deposits | 59.9662% | 4,721 |
| Net loans and leases to core deposits | 61.1319% | 4,864 |
| Total domestic deposits to total assets | 89.1168% | 1,044 |
| Equity capital to assets | 9.8063% | 4,331 |
| Core capital (leverage) ratio | 9.8766% | 3,687 |
| Tier 1 risk-based capital ratio | 13.8294% | 3,791 |
| Total risk-based capital ratio | 14.7461% | 3,905 |
| Memoranda: | ||
| Average total assets | $133,577,000 | 3,844 |
| Average earning assets | $117,076,000 | 3,955 |
| Average equity | $13,649,500 | 4,052 |
| Average total loans | $75,272,500 | 3,992 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 672 |
| Cost of funding earning assets | 0.3875% | 3,288 |
| Net interest margin | 4.5784% | 571 |
| Noninterest income to average assets | 0.9022% | 1,439 |
| Noninterest expense to average assets | 3.4889% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9030% | 2,853 |
| Return on assets (ROA) | 0.3799% | 5,195 |
| Pretax return on assets | 0.6064% | 4,819 |
| Return on Equity (ROE) | 3.6347% | 5,092 |
| Retained earnings to average equity (ytd only) | -0.6480% | 5,616 |
| Net charge-offs to loans | 0.0759% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 32.0877% | 1,386 |
| Efficiency ratio | 71.0189% | 3,068 |
| Assets per employee ($millions) | 2.4249% | 5,927 |
| Cash dividends to net income (ytd only)* | 117.8279% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 3,810 |
| Loan loss allowance to noncurrent loans | 198.3871% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 2.3538% | 680 |
| Noncurrent loans to loans | 0.5741% | 3,449 |
| Net loans and leases to total assets | 58.1506% | 4,065 |
| Net loans and leases to deposits | 69.7542% | 3,951 |
| Net loans and leases to core deposits | 71.5391% | 4,170 |
| Total domestic deposits to total assets | 83.3650% | 3,722 |
| Equity capital to assets | 10.6631% | 3,177 |
| Core capital (leverage) ratio | 10.3456% | 3,108 |
| Tier 1 risk-based capital ratio | 14.0124% | 3,706 |
| Total risk-based capital ratio | 14.9286% | 3,830 |
| Memoranda: | ||
| Average total assets | $128,464,800 | 3,918 |
| Average earning assets | $112,527,400 | 4,027 |
| Average equity | $13,426,000 | 4,060 |
| Average total loans | $75,065,000 | 3,966 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 670 |
| Cost of funding earning assets | 0.4136% | 3,077 |
| Net interest margin | 4.5478% | 593 |
| Noninterest income to average assets | 0.6436% | 2,511 |
| Noninterest expense to average assets | 3.5706% | 1,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6446% | 4,159 |
| Return on assets (ROA) | 0.6280% | 4,358 |
| Pretax return on assets | 1.0297% | 3,503 |
| Return on Equity (ROE) | 6.0394% | 4,131 |
| Retained earnings to average equity (ytd only) | 0.2995% | 5,520 |
| Net charge-offs to loans | 0.0818% | 2,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 22.1094% | 1,796 |
| Efficiency ratio | 77.1820% | 2,060 |
| Assets per employee ($millions) | 2.5285% | 5,947 |
| Cash dividends to net income (ytd only)* | 95.0412% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,846 |
| Loan loss allowance to noncurrent loans | 274.2138% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 2.2179% | 850 |
| Noncurrent loans to loans | 0.4247% | 4,083 |
| Net loans and leases to total assets | 58.5403% | 4,076 |
| Net loans and leases to deposits | 68.1752% | 4,178 |
| Net loans and leases to core deposits | 70.0591% | 4,363 |
| Total domestic deposits to total assets | 85.8674% | 2,607 |
| Equity capital to assets | 10.4039% | 3,703 |
| Core capital (leverage) ratio | 10.1390% | 3,452 |
| Tier 1 risk-based capital ratio | 12.9509% | 4,454 |
| Total risk-based capital ratio | 13.8203% | 4,606 |
| Memoranda: | ||
| Average total assets | $128,451,500 | 3,962 |
| Average earning assets | $112,491,250 | 4,073 |
| Average equity | $13,356,500 | 4,113 |
| Average total loans | $74,932,500 | 4,009 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 781 |
| Cost of funding earning assets | 0.4773% | 2,453 |
| Net interest margin | 4.3894% | 774 |
| Noninterest income to average assets | 0.6257% | 2,600 |
| Noninterest expense to average assets | 3.5903% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5421% | 4,590 |
| Return on assets (ROA) | 0.5421% | 4,702 |
| Pretax return on assets | 0.8813% | 4,025 |
| Return on Equity (ROE) | 5.2144% | 4,519 |
| Retained earnings to average equity (ytd only) | -3.3521% | 5,942 |
| Net charge-offs to loans | -0.0267% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2910% | 1,718 |
| Assets per employee ($millions) | 2.4279% | 6,068 |
| Cash dividends to net income (ytd only)* | 164.2857% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 3,630 |
| Loan loss allowance to noncurrent loans | 167.8119% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 2.9062% | 586 |
| Noncurrent loans to loans | 0.7315% | 3,285 |
| Net loans and leases to total assets | 59.1426% | 3,954 |
| Net loans and leases to deposits | 68.6909% | 4,062 |
| Net loans and leases to core deposits | 70.9061% | 4,234 |
| Total domestic deposits to total assets | 86.0997% | 2,644 |
| Equity capital to assets | 10.5767% | 3,364 |
| Core capital (leverage) ratio | 9.6703% | 4,041 |
| Tier 1 risk-based capital ratio | 13.3454% | 4,313 |
| Total risk-based capital ratio | 14.3322% | 4,388 |
| Memoranda: | ||
| Average total assets | $129,127,330 | 3,976 |
| Average earning assets | $113,135,670 | 4,091 |
| Average equity | $13,424,330 | 4,135 |
| Average total loans | $74,949,670 | 4,031 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 772 |
| Cost of funding earning assets | 0.5149% | 2,155 |
| Net interest margin | 4.3395% | 811 |
| Noninterest income to average assets | 0.6250% | 2,523 |
| Noninterest expense to average assets | 3.6242% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5147% | 4,599 |
| Return on assets (ROA) | 0.5147% | 4,723 |
| Pretax return on assets | 0.7965% | 4,254 |
| Return on Equity (ROE) | 4.9926% | 4,529 |
| Retained earnings to average equity (ytd only) | -12.0951% | 6,176 |
| Net charge-offs to loans | -0.0536% | 5,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9820% | 1,619 |
| Assets per employee ($millions) | 2.4862% | 6,118 |
| Cash dividends to net income (ytd only)* | 342.2619% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 3,686 |
| Loan loss allowance to noncurrent loans | 1,019.7802% | 526 |
| Noncurrent assets plus other real estate owned to assets | 2.3959% | 912 |
| Noncurrent loans to loans | 0.1226% | 5,337 |
| Net loans and leases to total assets | 55.6375% | 4,244 |
| Net loans and leases to deposits | 64.1089% | 4,361 |
| Net loans and leases to core deposits | 65.4382% | 4,575 |
| Total domestic deposits to total assets | 86.7860% | 2,506 |
| Equity capital to assets | 10.0775% | 4,050 |
| Core capital (leverage) ratio | 9.2766% | 4,616 |
| Tier 1 risk-based capital ratio | 13.1991% | 4,498 |
| Total risk-based capital ratio | 14.2008% | 4,548 |
| Memoranda: | ||
| Average total assets | $130,566,500 | 3,980 |
| Average earning assets | $114,206,500 | 4,096 |
| Average equity | $13,460,000 | 4,159 |
| Average total loans | $74,627,000 | 4,061 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 1,027 |
| Cost of funding earning assets | 0.5742% | 2,010 |
| Net interest margin | 4.2662% | 1,120 |
| Noninterest income to average assets | 0.6073% | 2,812 |
| Noninterest expense to average assets | 3.4223% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5817% | 4,454 |
| Return on assets (ROA) | 0.5817% | 4,537 |
| Pretax return on assets | 0.8916% | 3,934 |
| Return on Equity (ROE) | 5.7580% | 4,282 |
| Retained earnings to average equity (ytd only) | 4.2246% | 3,185 |
| Net charge-offs to loans | 0.3837% | 1,115 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.2161% | 3,707 |
| Efficiency ratio | 79.3320% | 2,021 |
| Assets per employee ($millions) | 2.4408% | 6,192 |
| Cash dividends to net income (ytd only)* | 26.6312% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 3,862 |
| Loan loss allowance to noncurrent loans | 553.0120% | 987 |
| Noncurrent assets plus other real estate owned to assets | 2.5347% | 902 |
| Noncurrent loans to loans | 0.2213% | 5,032 |
| Net loans and leases to total assets | 57.2764% | 4,160 |
| Net loans and leases to deposits | 69.9181% | 3,917 |
| Net loans and leases to core deposits | 70.9736% | 4,220 |
| Total domestic deposits to total assets | 81.9192% | 4,450 |
| Equity capital to assets | 10.5447% | 3,422 |
| Core capital (leverage) ratio | 10.3165% | 3,147 |
| Tier 1 risk-based capital ratio | 14.2779% | 3,916 |
| Total risk-based capital ratio | 15.2781% | 3,995 |
| Memoranda: | ||
| Average total assets | $129,094,000 | 3,989 |
| Average earning assets | $112,160,000 | 4,128 |
| Average equity | $13,042,800 | 4,185 |
| Average total loans | $71,150,600 | 4,143 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 1,085 |
| Cost of funding earning assets | 0.5953% | 1,881 |
| Net interest margin | 4.2147% | 1,241 |
| Noninterest income to average assets | 0.6572% | 2,536 |
| Noninterest expense to average assets | 3.4266% | 1,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6014% | 4,443 |
| Return on assets (ROA) | 0.6014% | 4,529 |
| Pretax return on assets | 0.8887% | 4,037 |
| Return on Equity (ROE) | 6.0185% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.9503% | 3,838 |
| Net charge-offs to loans | 0.5376% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.0389% | 3,756 |
| Efficiency ratio | 79.4061% | 2,000 |
| Assets per employee ($millions) | 2.3367% | 6,332 |
| Cash dividends to net income (ytd only)* | 34.3643% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 3,760 |
| Loan loss allowance to noncurrent loans | 703.8760% | 751 |
| Noncurrent assets plus other real estate owned to assets | 2.6549% | 961 |
| Noncurrent loans to loans | 0.1817% | 5,367 |
| Net loans and leases to total assets | 55.5484% | 4,387 |
| Net loans and leases to deposits | 66.1205% | 4,318 |
| Net loans and leases to core deposits | 67.1170% | 4,593 |
| Total domestic deposits to total assets | 84.0109% | 3,760 |
| Equity capital to assets | 10.5294% | 3,518 |
| Core capital (leverage) ratio | 9.9628% | 3,733 |
| Tier 1 risk-based capital ratio | 14.3509% | 3,984 |
| Total risk-based capital ratio | 15.3758% | 4,062 |
| Memoranda: | ||
| Average total assets | $129,026,500 | 4,029 |
| Average earning assets | $111,987,000 | 4,173 |
| Average equity | $12,893,250 | 4,242 |
| Average total loans | $70,185,000 | 4,214 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7437% | 1,194 |
| Cost of funding earning assets | 0.6269% | 1,668 |
| Net interest margin | 4.1168% | 1,453 |
| Noninterest income to average assets | 0.6093% | 2,771 |
| Noninterest expense to average assets | 3.3991% | 1,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5355% | 4,669 |
| Return on assets (ROA) | 0.5355% | 4,764 |
| Pretax return on assets | 0.7771% | 4,354 |
| Return on Equity (ROE) | 5.4535% | 4,461 |
| Retained earnings to average equity (ytd only) | 2.3193% | 4,723 |
| Net charge-offs to loans | 0.5206% | 780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.7747% | 3,468 |
| Efficiency ratio | 81.3928% | 1,821 |
| Assets per employee ($millions) | 2.5076% | 6,292 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,231 |
| Loan loss allowance to noncurrent loans | 96.7402% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 3.2402% | 760 |
| Noncurrent loans to loans | 1.4710% | 2,354 |
| Net loans and leases to total assets | 53.6033% | 4,587 |
| Net loans and leases to deposits | 63.5303% | 4,546 |
| Net loans and leases to core deposits | 64.4512% | 4,774 |
| Total domestic deposits to total assets | 84.3744% | 3,792 |
| Equity capital to assets | 10.0065% | 4,095 |
| Core capital (leverage) ratio | 9.5719% | 4,220 |
| Tier 1 risk-based capital ratio | 13.6462% | 4,490 |
| Total risk-based capital ratio | 14.7626% | 4,511 |
| Memoranda: | ||
| Average total assets | $129,975,330 | 4,034 |
| Average earning assets | $112,612,000 | 4,174 |
| Average equity | $12,762,330 | 4,273 |
| Average total loans | $69,913,670 | 4,235 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 1,205 |
| Cost of funding earning assets | 0.7241% | 1,104 |
| Net interest margin | 4.0019% | 1,753 |
| Noninterest income to average assets | 0.6072% | 2,697 |
| Noninterest expense to average assets | 3.4246% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4285% | 5,016 |
| Return on assets (ROA) | 0.4285% | 5,074 |
| Pretax return on assets | 0.6412% | 4,693 |
| Return on Equity (ROE) | 4.4059% | 4,836 |
| Retained earnings to average equity (ytd only) | -1.9335% | 5,850 |
| Net charge-offs to loans | 0.4783% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.5060% | 2,862 |
| Efficiency ratio | 84.2305% | 1,645 |
| Assets per employee ($millions) | 2.5735% | 6,324 |
| Cash dividends to net income (ytd only)* | 143.8849% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 2,861 |
| Loan loss allowance to noncurrent loans | 297.8495% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 2.7073% | 1,126 |
| Noncurrent loans to loans | 0.5253% | 4,599 |
| Net loans and leases to total assets | 52.0860% | 4,666 |
| Net loans and leases to deposits | 59.6405% | 4,798 |
| Net loans and leases to core deposits | 60.4526% | 4,996 |
| Total domestic deposits to total assets | 87.3333% | 2,614 |
| Equity capital to assets | 9.4730% | 4,533 |
| Core capital (leverage) ratio | 9.2501% | 4,649 |
| Tier 1 risk-based capital ratio | 13.1268% | 4,938 |
| Total risk-based capital ratio | 14.3446% | 4,887 |
| Memoranda: | ||
| Average total assets | $129,765,500 | 4,073 |
| Average earning assets | $112,145,500 | 4,210 |
| Average equity | $12,619,500 | 4,323 |
| Average total loans | $69,418,000 | 4,282 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8351% | 1,242 |
| Cost of funding earning assets | 0.8662% | 879 |
| Net interest margin | 3.9688% | 2,040 |
| Noninterest income to average assets | 0.6312% | 2,910 |
| Noninterest expense to average assets | 3.6265% | 1,406 |
| Loan and lease loss provision to assets | 0.0843% | 3,430 |
| Net operating income to assets | 0.2208% | 5,774 |
| Return on assets (ROA) | 0.3263% | 5,538 |
| Pretax return on assets | 0.4596% | 5,325 |
| Return on Equity (ROE) | 3.3500% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.3500% | 3,846 |
| Net charge-offs to loans | 0.8244% | 754 |
| Credit loss provision to net charge-offs | 19.3322% | 4,455 |
| Earnings coverage of net charge-offs (x) | 0.9069% | 4,782 |
| Efficiency ratio | 90.1714% | 1,009 |
| Assets per employee ($millions) | 2.4175% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 2,232 |
| Loan loss allowance to noncurrent loans | 262.3348% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 3.3244% | 908 |
| Noncurrent loans to loans | 0.6674% | 4,307 |
| Net loans and leases to total assets | 53.1661% | 4,699 |
| Net loans and leases to deposits | 62.9233% | 4,620 |
| Net loans and leases to core deposits | 63.8661% | 4,878 |
| Total domestic deposits to total assets | 84.4934% | 3,966 |
| Equity capital to assets | 9.9930% | 3,782 |
| Core capital (leverage) ratio | 9.2582% | 4,619 |
| Tier 1 risk-based capital ratio | 13.4976% | 4,656 |
| Total risk-based capital ratio | 14.7490% | 4,597 |
| Memoranda: | ||
| Average total assets | $130,540,600 | 4,063 |
| Average earning assets | $111,518,800 | 4,231 |
| Average equity | $12,716,400 | 4,309 |
| Average total loans | $69,017,800 | 4,307 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 1,323 |
| Cost of funding earning assets | 0.7705% | 1,480 |
| Net interest margin | 4.0408% | 1,818 |
| Noninterest income to average assets | 0.6406% | 2,927 |
| Noninterest expense to average assets | 3.6088% | 1,381 |
| Loan and lease loss provision to assets | 0.1113% | 2,905 |
| Net operating income to assets | 0.2572% | 5,762 |
| Return on assets (ROA) | 0.3947% | 5,402 |
| Pretax return on assets | 0.5667% | 5,145 |
| Return on Equity (ROE) | 4.0768% | 5,188 |
| Retained earnings to average equity (ytd only) | 4.0768% | 3,790 |
| Net charge-offs to loans | 1.1261% | 495 |
| Credit loss provision to net charge-offs | 18.8034% | 4,090 |
| Earnings coverage of net charge-offs (x) | 0.8137% | 4,583 |
| Efficiency ratio | 88.2237% | 1,147 |
| Assets per employee ($millions) | 2.4213% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 2,456 |
| Loan loss allowance to noncurrent loans | 89.6947% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 3.4948% | 973 |
| Noncurrent loans to loans | 1.9497% | 2,309 |
| Net loans and leases to total assets | 49.5716% | 5,184 |
| Net loans and leases to deposits | 58.6263% | 5,120 |
| Net loans and leases to core deposits | 59.5905% | 5,331 |
| Total domestic deposits to total assets | 84.5552% | 3,949 |
| Equity capital to assets | 9.3767% | 4,710 |
| Core capital (leverage) ratio | 9.1501% | 4,899 |
| Tier 1 risk-based capital ratio | 13.3101% | 4,897 |
| Total risk-based capital ratio | 14.5613% | 4,835 |
| Memoranda: | ||
| Average total assets | $131,748,750 | 4,074 |
| Average earning assets | $112,484,250 | 4,250 |
| Average equity | $12,755,000 | 4,355 |
| Average total loans | $69,266,000 | 4,324 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8826% | 1,135 |
| Cost of funding earning assets | 0.8030% | 1,395 |
| Net interest margin | 4.0796% | 1,598 |
| Noninterest income to average assets | 0.6505% | 2,912 |
| Noninterest expense to average assets | 3.6412% | 1,353 |
| Loan and lease loss provision to assets | 0.1371% | 2,610 |
| Net operating income to assets | 0.2349% | 5,810 |
| Return on assets (ROA) | 0.4418% | 5,218 |
| Pretax return on assets | 0.6353% | 4,894 |
| Return on Equity (ROE) | 4.5156% | 4,992 |
| Retained earnings to average equity (ytd only) | 4.5156% | 3,393 |
| Net charge-offs to loans | 1.3665% | 414 |
| Credit loss provision to net charge-offs | 18.8285% | 3,751 |
| Earnings coverage of net charge-offs (x) | 0.6548% | 4,305 |
| Efficiency ratio | 88.4203% | 1,184 |
| Assets per employee ($millions) | 2.3869% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8927% | 2,131 |
| Loan loss allowance to noncurrent loans | 96.8534% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 3.7035% | 997 |
| Noncurrent loans to loans | 1.9542% | 2,450 |
| Net loans and leases to total assets | 49.8290% | 5,125 |
| Net loans and leases to deposits | 59.7128% | 5,005 |
| Net loans and leases to core deposits | 60.7216% | 5,200 |
| Total domestic deposits to total assets | 83.4477% | 4,524 |
| Equity capital to assets | 9.5962% | 4,454 |
| Core capital (leverage) ratio | 9.0460% | 4,913 |
| Tier 1 risk-based capital ratio | 13.3009% | 4,918 |
| Total risk-based capital ratio | 14.5529% | 4,857 |
| Memoranda: | ||
| Average total assets | $131,274,670 | 4,113 |
| Average earning assets | $111,580,330 | 4,300 |
| Average equity | $12,844,330 | 4,367 |
| Average total loans | $69,958,000 | 4,311 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 1,087 |
| Cost of funding earning assets | 0.8242% | 1,399 |
| Net interest margin | 4.0747% | 1,541 |
| Noninterest income to average assets | 0.6368% | 2,950 |
| Noninterest expense to average assets | 3.5255% | 1,570 |
| Loan and lease loss provision to assets | 0.1676% | 2,182 |
| Net operating income to assets | 0.3108% | 5,533 |
| Return on assets (ROA) | 0.3108% | 5,661 |
| Pretax return on assets | 0.4388% | 5,441 |
| Return on Equity (ROE) | 3.1463% | 5,519 |
| Retained earnings to average equity (ytd only) | 3.1463% | 4,377 |
| Net charge-offs to loans | 0.9833% | 622 |
| Credit loss provision to net charge-offs | 31.2500% | 2,872 |
| Earnings coverage of net charge-offs (x) | 1.1307% | 3,455 |
| Efficiency ratio | 85.3245% | 1,606 |
| Assets per employee ($millions) | 2.3498% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1854% | 1,614 |
| Loan loss allowance to noncurrent loans | 67.0320% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 4.0268% | 984 |
| Noncurrent loans to loans | 3.2603% | 1,493 |
| Net loans and leases to total assets | 50.2132% | 4,963 |
| Net loans and leases to deposits | 60.5632% | 4,727 |
| Net loans and leases to core deposits | 61.7028% | 4,981 |
| Total domestic deposits to total assets | 82.9103% | 4,881 |
| Equity capital to assets | 9.5460% | 4,786 |
| Core capital (leverage) ratio | 8.9999% | 4,892 |
| Tier 1 risk-based capital ratio | 12.5937% | 5,521 |
| Total risk-based capital ratio | 13.8486% | 5,465 |
| Memoranda: | ||
| Average total assets | $131,271,500 | 4,155 |
| Average earning assets | $112,598,500 | 4,318 |
| Average equity | $12,967,500 | 4,388 |
| Average total loans | $71,598,000 | 4,287 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 550 |
| Cost of funding earning assets | 1.1399% | 771 |
| Net interest margin | 4.4238% | 1,108 |
| Noninterest income to average assets | -0.0738% | 6,903 |
| Noninterest expense to average assets | 3.5780% | 1,664 |
| Loan and lease loss provision to assets | 1.0413% | 378 |
| Net operating income to assets | 0.5745% | 4,362 |
| Return on assets (ROA) | 0.5745% | 4,618 |
| Pretax return on assets | -0.9118% | 6,710 |
| Return on Equity (ROE) | 6.2501% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.2501% | 1,948 |
| Net charge-offs to loans | 1.5881% | 536 |
| Credit loss provision to net charge-offs | 114.2975% | 2,541 |
| Earnings coverage of net charge-offs (x) | 0.1421% | 5,425 |
| Efficiency ratio | 96.5069% | 689 |
| Assets per employee ($millions) | 2.1043% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2531% | 1,453 |
| Loan loss allowance to noncurrent loans | 58.3864% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 4.8584% | 816 |
| Noncurrent loans to loans | 3.8589% | 1,252 |
| Net loans and leases to total assets | 56.6967% | 4,163 |
| Net loans and leases to deposits | 69.5170% | 3,767 |
| Net loans and leases to core deposits | 71.4473% | 4,111 |
| Total domestic deposits to total assets | 81.5581% | 5,239 |
| Equity capital to assets | 10.2371% | 3,844 |
| Core capital (leverage) ratio | 9.0484% | 4,817 |
| Tier 1 risk-based capital ratio | 12.4894% | 5,488 |
| Total risk-based capital ratio | 13.7463% | 5,433 |
| Memoranda: | ||
| Average total assets | $132,813,400 | 4,087 |
| Average earning assets | $113,523,200 | 4,264 |
| Average equity | $12,207,800 | 4,522 |
| Average total loans | $76,190,400 | 4,145 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6623% | 500 |
| Cost of funding earning assets | 1.2193% | 640 |
| Net interest margin | 4.4431% | 1,107 |
| Noninterest income to average assets | -0.3144% | 7,097 |
| Noninterest expense to average assets | 3.6632% | 1,430 |
| Loan and lease loss provision to assets | 1.1979% | 303 |
| Net operating income to assets | 0.6287% | 4,248 |
| Return on assets (ROA) | 0.6287% | 4,503 |
| Pretax return on assets | -1.3883% | 6,940 |
| Return on Equity (ROE) | 7.0276% | 3,797 |
| Retained earnings to average equity (ytd only) | 7.0276% | 2,112 |
| Net charge-offs to loans | 1.7557% | 460 |
| Credit loss provision to net charge-offs | 119.2498% | 2,435 |
| Earnings coverage of net charge-offs (x) | -0.1895% | 5,406 |
| Efficiency ratio | 105.4826% | 395 |
| Assets per employee ($millions) | 2.1580% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2826% | 1,556 |
| Loan loss allowance to noncurrent loans | 108.3603% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 4.2384% | 1,122 |
| Noncurrent loans to loans | 2.1065% | 2,720 |
| Net loans and leases to total assets | 55.2795% | 4,557 |
| Net loans and leases to deposits | 67.5644% | 4,247 |
| Net loans and leases to core deposits | 69.5726% | 4,551 |
| Total domestic deposits to total assets | 81.8175% | 5,088 |
| Equity capital to assets | 9.9311% | 4,605 |
| Core capital (leverage) ratio | 8.6075% | 5,611 |
| Tier 1 risk-based capital ratio | 12.1403% | 5,858 |
| Total risk-based capital ratio | 13.3978% | 5,827 |
| Memoranda: | ||
| Average total assets | $134,452,750 | 4,089 |
| Average earning assets | $114,602,750 | 4,274 |
| Average equity | $12,028,500 | 4,612 |
| Average total loans | $76,929,750 | 4,166 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7135% | 474 |
| Cost of funding earning assets | 1.2568% | 628 |
| Net interest margin | 4.4567% | 1,067 |
| Noninterest income to average assets | -0.7406% | 7,208 |
| Noninterest expense to average assets | 3.6647% | 1,438 |
| Loan and lease loss provision to assets | 1.7750% | 190 |
| Net operating income to assets | 0.7038% | 3,848 |
| Return on assets (ROA) | 0.7038% | 4,111 |
| Pretax return on assets | -2.3819% | 7,105 |
| Return on Equity (ROE) | 8.1520% | 3,191 |
| Retained earnings to average equity (ytd only) | 8.1520% | 1,583 |
| Net charge-offs to loans | 0.8854% | 1,244 |
| Credit loss provision to net charge-offs | 349.1329% | 837 |
| Earnings coverage of net charge-offs (x) | -1.1936% | 5,325 |
| Efficiency ratio | 119.8462% | 230 |
| Assets per employee ($millions) | 2.2112% | 6,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0922% | 721 |
| Loan loss allowance to noncurrent loans | 186.3745% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 3.5038% | 1,521 |
| Noncurrent loans to loans | 1.6591% | 3,407 |
| Net loans and leases to total assets | 54.3460% | 4,736 |
| Net loans and leases to deposits | 66.8689% | 4,385 |
| Net loans and leases to core deposits | 68.7820% | 4,699 |
| Total domestic deposits to total assets | 81.2725% | 5,366 |
| Equity capital to assets | 9.2407% | 5,416 |
| Core capital (leverage) ratio | 8.2862% | 5,933 |
| Tier 1 risk-based capital ratio | 11.4552% | 6,243 |
| Total risk-based capital ratio | 12.7197% | 6,212 |
| Memoranda: | ||
| Average total assets | $136,109,670 | 4,072 |
| Average earning assets | $116,006,000 | 4,273 |
| Average equity | $11,751,670 | 4,666 |
| Average total loans | $78,156,670 | 4,150 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6765% | 541 |
| Cost of funding earning assets | 1.2904% | 653 |
| Net interest margin | 4.3861% | 1,258 |
| Noninterest income to average assets | -0.1755% | 7,192 |
| Noninterest expense to average assets | 3.7097% | 1,362 |
| Loan and lease loss provision to assets | 1.4131% | 254 |
| Net operating income to assets | -1.5594% | 7,099 |
| Return on assets (ROA) | -1.5594% | 7,107 |
| Pretax return on assets | -1.5594% | 7,086 |
| Return on Equity (ROE) | -18.7091% | 7,098 |
| Retained earnings to average equity (ytd only) | -18.7091% | 7,028 |
| Net charge-offs to loans | 0.3375% | 2,306 |
| Credit loss provision to net charge-offs | 720.8955% | 486 |
| Earnings coverage of net charge-offs (x) | -0.7463% | 4,533 |
| Efficiency ratio | 104.1051% | 445 |
| Assets per employee ($millions) | 2.2159% | 7,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4359% | 1,454 |
| Loan loss allowance to noncurrent loans | 153.4036% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 4.0450% | 1,356 |
| Noncurrent loans to loans | 1.5879% | 3,735 |
| Net loans and leases to total assets | 54.3093% | 4,670 |
| Net loans and leases to deposits | 66.1565% | 4,357 |
| Net loans and leases to core deposits | 67.9592% | 4,680 |
| Total domestic deposits to total assets | 82.0922% | 5,264 |
| Equity capital to assets | 8.0077% | 6,519 |
| Core capital (leverage) ratio | 8.7077% | 5,282 |
| Tier 1 risk-based capital ratio | 12.1645% | 5,856 |
| Total risk-based capital ratio | 13.4236% | 5,822 |
| Memoranda: | ||
| Average total assets | $136,723,500 | 4,094 |
| Average earning assets | $116,550,000 | 4,279 |
| Average equity | $11,395,500 | 4,750 |
| Average total loans | $79,414,000 | 4,140 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9040% | 514 |
| Cost of funding earning assets | 1.4339% | 909 |
| Net interest margin | 4.4701% | 1,210 |
| Noninterest income to average assets | 0.2931% | 5,435 |
| Noninterest expense to average assets | 3.5460% | 1,874 |
| Loan and lease loss provision to assets | 0.2916% | 3,331 |
| Net operating income to assets | 0.3860% | 4,923 |
| Return on assets (ROA) | 0.2702% | 5,520 |
| Pretax return on assets | 0.2702% | 5,636 |
| Return on Equity (ROE) | 3.3095% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.3095% | 3,869 |
| Net charge-offs to loans | 1.1267% | 1,519 |
| Credit loss provision to net charge-offs | 40.6780% | 5,614 |
| Earnings coverage of net charge-offs (x) | 0.9452% | 5,096 |
| Efficiency ratio | 83.9567% | 1,767 |
| Assets per employee ($millions) | 2.1245% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 2,803 |
| Loan loss allowance to noncurrent loans | 99.5954% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 4.3192% | 1,289 |
| Noncurrent loans to loans | 1.8282% | 3,435 |
| Net loans and leases to total assets | 59.5026% | 4,079 |
| Net loans and leases to deposits | 73.9015% | 3,513 |
| Net loans and leases to core deposits | 76.0388% | 3,976 |
| Total domestic deposits to total assets | 80.5160% | 5,587 |
| Equity capital to assets | 8.6758% | 5,924 |
| Core capital (leverage) ratio | 9.0977% | 4,621 |
| Tier 1 risk-based capital ratio | 12.4766% | 5,470 |
| Total risk-based capital ratio | 13.7322% | 5,451 |
| Memoranda: | ||
| Average total assets | $139,906,000 | 3,977 |
| Average earning assets | $123,018,600 | 4,070 |
| Average equity | $11,421,800 | 4,677 |
| Average total loans | $89,019,000 | 3,880 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9593% | 496 |
| Cost of funding earning assets | 1.4666% | 964 |
| Net interest margin | 4.4927% | 1,171 |
| Noninterest income to average assets | 0.4638% | 4,183 |
| Noninterest expense to average assets | 3.6024% | 1,704 |
| Loan and lease loss provision to assets | 0.3847% | 2,549 |
| Net operating income to assets | 0.4450% | 4,805 |
| Return on assets (ROA) | 0.3111% | 5,531 |
| Pretax return on assets | 0.3111% | 5,681 |
| Return on Equity (ROE) | 3.8683% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.8683% | 3,974 |
| Net charge-offs to loans | 1.2601% | 1,235 |
| Credit loss provision to net charge-offs | 47.4419% | 5,089 |
| Earnings coverage of net charge-offs (x) | 1.0233% | 4,869 |
| Efficiency ratio | 81.2806% | 2,080 |
| Assets per employee ($millions) | 2.1875% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9134% | 2,578 |
| Loan loss allowance to noncurrent loans | 50.6884% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 4.4387% | 1,351 |
| Noncurrent loans to loans | 3.7749% | 1,795 |
| Net loans and leases to total assets | 60.2605% | 4,086 |
| Net loans and leases to deposits | 74.8652% | 3,533 |
| Net loans and leases to core deposits | 76.9598% | 4,061 |
| Total domestic deposits to total assets | 80.4920% | 5,598 |
| Equity capital to assets | 8.5487% | 6,250 |
| Core capital (leverage) ratio | 8.8490% | 5,181 |
| Tier 1 risk-based capital ratio | 12.1881% | 5,751 |
| Total risk-based capital ratio | 13.4448% | 5,731 |
| Memoranda: | ||
| Average total assets | $141,421,750 | 3,969 |
| Average earning assets | $124,910,750 | 4,065 |
| Average equity | $11,374,250 | 4,720 |
| Average total loans | $90,994,500 | 3,867 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0307% | 453 |
| Cost of funding earning assets | 1.5096% | 975 |
| Net interest margin | 4.5210% | 1,084 |
| Noninterest income to average assets | 0.5034% | 3,834 |
| Noninterest expense to average assets | 3.6066% | 1,723 |
| Loan and lease loss provision to assets | 0.4277% | 2,291 |
| Net operating income to assets | 0.4627% | 4,664 |
| Return on assets (ROA) | 0.3225% | 5,413 |
| Pretax return on assets | 0.3225% | 5,618 |
| Return on Equity (ROE) | 4.0930% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.0930% | 3,593 |
| Net charge-offs to loans | 1.5273% | 967 |
| Credit loss provision to net charge-offs | 42.8973% | 4,759 |
| Earnings coverage of net charge-offs (x) | 0.8931% | 4,629 |
| Efficiency ratio | 80.1996% | 2,364 |
| Assets per employee ($millions) | 2.1692% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 2,753 |
| Loan loss allowance to noncurrent loans | 128.2525% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 3.2861% | 2,030 |
| Noncurrent loans to loans | 1.4619% | 4,232 |
| Net loans and leases to total assets | 62.8062% | 3,718 |
| Net loans and leases to deposits | 78.6435% | 3,013 |
| Net loans and leases to core deposits | 80.8381% | 3,671 |
| Total domestic deposits to total assets | 79.8620% | 5,859 |
| Equity capital to assets | 8.5063% | 6,171 |
| Core capital (leverage) ratio | 8.4432% | 5,641 |
| Tier 1 risk-based capital ratio | 11.7868% | 5,946 |
| Total risk-based capital ratio | 13.0439% | 5,931 |
| Memoranda: | ||
| Average total assets | $142,625,670 | 3,984 |
| Average earning assets | $125,989,670 | 4,071 |
| Average equity | $11,238,670 | 4,753 |
| Average total loans | $93,104,330 | 3,859 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8800% | 624 |
| Cost of funding earning assets | 1.5454% | 997 |
| Net interest margin | 4.3346% | 1,454 |
| Noninterest income to average assets | 0.7196% | 2,459 |
| Noninterest expense to average assets | 3.5011% | 1,998 |
| Loan and lease loss provision to assets | 0.4152% | 2,114 |
| Net operating income to assets | 0.6227% | 3,908 |
| Return on assets (ROA) | 0.3460% | 5,277 |
| Pretax return on assets | 0.3460% | 5,523 |
| Return on Equity (ROE) | 4.5648% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.5648% | 3,441 |
| Net charge-offs to loans | 0.8737% | 1,514 |
| Credit loss provision to net charge-offs | 72.1154% | 3,312 |
| Earnings coverage of net charge-offs (x) | 1.8029% | 3,401 |
| Efficiency ratio | 77.1341% | 2,963 |
| Assets per employee ($millions) | 2.3274% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,981 |
| Loan loss allowance to noncurrent loans | 50.9744% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 4.6773% | 1,369 |
| Noncurrent loans to loans | 4.2994% | 1,652 |
| Net loans and leases to total assets | 60.3425% | 4,196 |
| Net loans and leases to deposits | 75.1082% | 3,566 |
| Net loans and leases to core deposits | 77.2401% | 4,124 |
| Total domestic deposits to total assets | 80.3408% | 5,854 |
| Equity capital to assets | 7.4574% | 6,888 |
| Core capital (leverage) ratio | 8.3951% | 5,635 |
| Tier 1 risk-based capital ratio | 11.0702% | 6,459 |
| Total risk-based capital ratio | 12.3297% | 6,429 |
| Memoranda: | ||
| Average total assets | $144,525,000 | 3,982 |
| Average earning assets | $127,346,000 | 4,076 |
| Average equity | $10,953,500 | 4,810 |
| Average total loans | $95,227,500 | 3,850 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1455% | 639 |
| Cost of funding earning assets | 1.8504% | 999 |
| Net interest margin | 4.2951% | 1,832 |
| Noninterest income to average assets | 0.3794% | 5,067 |
| Noninterest expense to average assets | 3.4501% | 2,303 |
| Loan and lease loss provision to assets | 1.1389% | 1,400 |
| Net operating income to assets | -0.3927% | 6,306 |
| Return on assets (ROA) | -0.7948% | 6,599 |
| Pretax return on assets | -0.7948% | 6,521 |
| Return on Equity (ROE) | -10.7558% | 6,760 |
| Retained earnings to average equity (ytd only) | -10.7558% | 6,700 |
| Net charge-offs to loans | 1.5536% | 1,411 |
| Credit loss provision to net charge-offs | 104.6569% | 4,290 |
| Earnings coverage of net charge-offs (x) | 0.6857% | 5,427 |
| Efficiency ratio | 82.2183% | 2,135 |
| Assets per employee ($millions) | 2.1890% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1023% | 2,066 |
| Loan loss allowance to noncurrent loans | 64.5885% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 4.5083% | 1,486 |
| Noncurrent loans to loans | 3.2549% | 2,332 |
| Net loans and leases to total assets | 68.8716% | 2,777 |
| Net loans and leases to deposits | 87.0735% | 1,928 |
| Net loans and leases to core deposits | 90.1562% | 2,746 |
| Total domestic deposits to total assets | 79.0959% | 6,059 |
| Equity capital to assets | 7.7082% | 6,747 |
| Core capital (leverage) ratio | 8.1263% | 5,953 |
| Tier 1 risk-based capital ratio | 10.5114% | 6,696 |
| Total risk-based capital ratio | 11.7708% | 6,666 |
| Memoranda: | ||
| Average total assets | $149,968,600 | 3,875 |
| Average earning assets | $133,268,800 | 3,951 |
| Average equity | $11,082,400 | 4,843 |
| Average total loans | $105,048,200 | 3,654 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 800 |
| Cost of funding earning assets | 1.8920% | 1,057 |
| Net interest margin | 4.1828% | 2,281 |
| Noninterest income to average assets | 0.4233% | 4,771 |
| Noninterest expense to average assets | 3.4549% | 2,149 |
| Loan and lease loss provision to assets | 1.3409% | 1,021 |
| Net operating income to assets | -0.6481% | 6,693 |
| Return on assets (ROA) | -0.8432% | 6,850 |
| Pretax return on assets | -0.8432% | 6,769 |
| Return on Equity (ROE) | -11.5240% | 6,989 |
| Retained earnings to average equity (ytd only) | -11.5240% | 6,950 |
| Net charge-offs to loans | 2.3299% | 758 |
| Credit loss provision to net charge-offs | 82.2425% | 5,063 |
| Earnings coverage of net charge-offs (x) | 0.4249% | 5,597 |
| Efficiency ratio | 83.2982% | 1,919 |
| Assets per employee ($millions) | 2.3310% | 7,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 3,390 |
| Loan loss allowance to noncurrent loans | 41.3254% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 4.6571% | 1,428 |
| Noncurrent loans to loans | 3.9567% | 1,903 |
| Net loans and leases to total assets | 66.1076% | 3,667 |
| Net loans and leases to deposits | 83.5204% | 2,788 |
| Net loans and leases to core deposits | 86.7210% | 3,553 |
| Total domestic deposits to total assets | 79.1515% | 5,988 |
| Equity capital to assets | 7.2780% | 7,241 |
| Core capital (leverage) ratio | 7.9358% | 6,430 |
| Tier 1 risk-based capital ratio | 10.0787% | 7,023 |
| Total risk-based capital ratio | 11.3329% | 7,004 |
| Memoranda: | ||
| Average total assets | $152,436,500 | 3,888 |
| Average earning assets | $135,728,250 | 3,952 |
| Average equity | $11,153,250 | 4,888 |
| Average total loans | $106,670,500 | 3,663 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0822% | 784 |
| Cost of funding earning assets | 1.9627% | 1,008 |
| Net interest margin | 4.1195% | 2,471 |
| Noninterest income to average assets | 0.3823% | 5,067 |
| Noninterest expense to average assets | 3.4725% | 2,093 |
| Loan and lease loss provision to assets | 1.6590% | 773 |
| Net operating income to assets | -1.0802% | 6,981 |
| Return on assets (ROA) | -1.1889% | 7,040 |
| Pretax return on assets | -1.1889% | 6,967 |
| Return on Equity (ROE) | -16.2210% | 7,180 |
| Retained earnings to average equity (ytd only) | -16.2210% | 7,144 |
| Net charge-offs to loans | 2.2367% | 797 |
| Credit loss provision to net charge-offs | 104.6243% | 3,900 |
| Earnings coverage of net charge-offs (x) | 0.3650% | 5,370 |
| Efficiency ratio | 85.7143% | 1,748 |
| Assets per employee ($millions) | 2.3452% | 7,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 2,327 |
| Loan loss allowance to noncurrent loans | 43.3735% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 4.9896% | 1,293 |
| Noncurrent loans to loans | 4.4647% | 1,633 |
| Net loans and leases to total assets | 68.1674% | 3,324 |
| Net loans and leases to deposits | 86.8301% | 2,371 |
| Net loans and leases to core deposits | 89.9617% | 3,274 |
| Total domestic deposits to total assets | 78.5067% | 6,147 |
| Equity capital to assets | 7.0140% | 7,345 |
| Core capital (leverage) ratio | 7.5626% | 6,767 |
| Tier 1 risk-based capital ratio | 9.4440% | 7,285 |
| Total risk-based capital ratio | 10.7013% | 7,289 |
| Memoranda: | ||
| Average total assets | $152,744,670 | 3,906 |
| Average earning assets | $136,036,670 | 3,972 |
| Average equity | $11,195,330 | 4,882 |
| Average total loans | $108,285,330 | 3,672 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0582% | 867 |
| Cost of funding earning assets | 2.0888% | 843 |
| Net interest margin | 3.9694% | 2,997 |
| Noninterest income to average assets | 0.7508% | 2,297 |
| Noninterest expense to average assets | 3.3042% | 2,521 |
| Loan and lease loss provision to assets | 0.4578% | 2,677 |
| Net operating income to assets | 0.5285% | 4,243 |
| Return on assets (ROA) | 0.4055% | 4,960 |
| Pretax return on assets | 0.4055% | 5,275 |
| Return on Equity (ROE) | 5.4163% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.4163% | 2,924 |
| Net charge-offs to loans | 1.3998% | 1,232 |
| Credit loss provision to net charge-offs | 45.6919% | 4,545 |
| Earnings coverage of net charge-offs (x) | 0.9843% | 4,180 |
| Efficiency ratio | 77.0122% | 3,059 |
| Assets per employee ($millions) | 2.4200% | 7,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 3,264 |
| Loan loss allowance to noncurrent loans | 30.0201% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 5.3378% | 1,170 |
| Noncurrent loans to loans | 5.4870% | 1,279 |
| Net loans and leases to total assets | 70.0238% | 2,932 |
| Net loans and leases to deposits | 91.3212% | 1,711 |
| Net loans and leases to core deposits | 94.6730% | 2,748 |
| Total domestic deposits to total assets | 76.6786% | 6,628 |
| Equity capital to assets | 7.6446% | 6,970 |
| Core capital (leverage) ratio | 8.0460% | 6,168 |
| Tier 1 risk-based capital ratio | 9.9836% | 7,047 |
| Total risk-based capital ratio | 11.2354% | 7,028 |
| Memoranda: | ||
| Average total assets | $152,898,000 | 3,963 |
| Average earning assets | $136,344,500 | 4,030 |
| Average equity | $11,447,000 | 4,857 |
| Average total loans | $109,445,500 | 3,693 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6674% | 499 |
| Cost of funding earning assets | 2.4570% | 1,130 |
| Net interest margin | 4.2104% | 2,029 |
| Noninterest income to average assets | 0.6284% | 3,436 |
| Noninterest expense to average assets | 3.2270% | 3,284 |
| Loan and lease loss provision to assets | 0.8874% | 2,524 |
| Net operating income to assets | 0.3114% | 4,494 |
| Return on assets (ROA) | 0.1910% | 4,997 |
| Pretax return on assets | 0.1910% | 5,026 |
| Return on Equity (ROE) | 2.6811% | 4,633 |
| Retained earnings to average equity (ytd only) | 2.6811% | 3,276 |
| Net charge-offs to loans | 0.9482% | 2,502 |
| Credit loss provision to net charge-offs | 125.6021% | 4,161 |
| Earnings coverage of net charge-offs (x) | 1.6967% | 4,470 |
| Efficiency ratio | 72.9137% | 4,113 |
| Assets per employee ($millions) | 2.3590% | 7,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 2,515 |
| Loan loss allowance to noncurrent loans | 53.4118% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 3.3234% | 2,059 |
| Noncurrent loans to loans | 3.3867% | 2,258 |
| Net loans and leases to total assets | 70.6610% | 3,089 |
| Net loans and leases to deposits | 94.7902% | 1,491 |
| Net loans and leases to core deposits | 121.4636% | 1,839 |
| Total domestic deposits to total assets | 74.5446% | 6,938 |
| Equity capital to assets | 7.3297% | 7,172 |
| Core capital (leverage) ratio | 7.9465% | 6,266 |
| Tier 1 risk-based capital ratio | 9.6025% | 7,157 |
| Total risk-based capital ratio | 10.8561% | 7,136 |
| Memoranda: | ||
| Average total assets | $158,661,600 | 3,797 |
| Average earning assets | $143,098,800 | 3,833 |
| Average equity | $11,301,400 | 4,942 |
| Average total loans | $118,229,200 | 3,518 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7200% | 492 |
| Cost of funding earning assets | 2.5433% | 1,170 |
| Net interest margin | 4.1767% | 2,128 |
| Noninterest income to average assets | 0.6275% | 3,514 |
| Noninterest expense to average assets | 3.2651% | 3,053 |
| Loan and lease loss provision to assets | 0.6233% | 2,899 |
| Net operating income to assets | 0.5108% | 3,937 |
| Return on assets (ROA) | 0.3767% | 4,593 |
| Pretax return on assets | 0.3767% | 4,861 |
| Return on Equity (ROE) | 5.3252% | 3,823 |
| Retained earnings to average equity (ytd only) | 5.3252% | 2,296 |
| Net charge-offs to loans | 0.8375% | 2,286 |
| Credit loss provision to net charge-offs | 99.0728% | 5,162 |
| Earnings coverage of net charge-offs (x) | 1.8027% | 4,449 |
| Efficiency ratio | 74.2186% | 3,833 |
| Assets per employee ($millions) | 2.4315% | 7,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 3,518 |
| Loan loss allowance to noncurrent loans | 67.1136% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.7229% | 3,786 |
| Noncurrent loans to loans | 2.2148% | 3,360 |
| Net loans and leases to total assets | 72.4894% | 2,920 |
| Net loans and leases to deposits | 94.7853% | 1,751 |
| Net loans and leases to core deposits | 121.4908% | 2,116 |
| Total domestic deposits to total assets | 76.4775% | 6,481 |
| Equity capital to assets | 7.4762% | 7,311 |
| Core capital (leverage) ratio | 7.7833% | 6,627 |
| Tier 1 risk-based capital ratio | 9.5004% | 7,371 |
| Total risk-based capital ratio | 10.7507% | 7,333 |
| Memoranda: | ||
| Average total assets | $159,993,250 | 3,794 |
| Average earning assets | $144,479,500 | 3,830 |
| Average equity | $11,317,000 | 4,973 |
| Average total loans | $120,200,500 | 3,506 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6923% | 547 |
| Cost of funding earning assets | 2.5915% | 1,307 |
| Net interest margin | 4.1008% | 2,318 |
| Noninterest income to average assets | 0.6256% | 3,496 |
| Noninterest expense to average assets | 3.2641% | 3,104 |
| Loan and lease loss provision to assets | 0.1821% | 5,221 |
| Net operating income to assets | 0.8783% | 2,544 |
| Return on assets (ROA) | 0.7693% | 3,076 |
| Pretax return on assets | 0.7693% | 3,778 |
| Return on Equity (ROE) | 11.0781% | 1,684 |
| Retained earnings to average equity (ytd only) | 11.0781% | 553 |
| Net charge-offs to loans | 0.7273% | 2,233 |
| Credit loss provision to net charge-offs | 33.1081% | 5,992 |
| Earnings coverage of net charge-offs (x) | 1.9279% | 4,138 |
| Efficiency ratio | 75.4798% | 3,790 |
| Assets per employee ($millions) | 2.5932% | 7,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,085 |
| Loan loss allowance to noncurrent loans | 85.0602% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1342% | 4,683 |
| Noncurrent loans to loans | 1.3861% | 4,443 |
| Net loans and leases to total assets | 72.4431% | 3,107 |
| Net loans and leases to deposits | 98.0620% | 1,508 |
| Net loans and leases to core deposits | 126.5353% | 1,815 |
| Total domestic deposits to total assets | 73.8748% | 6,963 |
| Equity capital to assets | 7.0429% | 7,590 |
| Core capital (leverage) ratio | 7.7410% | 6,690 |
| Tier 1 risk-based capital ratio | 9.1932% | 7,595 |
| Total risk-based capital ratio | 10.2129% | 7,738 |
| Memoranda: | ||
| Average total assets | $161,453,330 | 3,795 |
| Average earning assets | $145,630,330 | 3,831 |
| Average equity | $11,211,330 | 5,029 |
| Average total loans | $122,099,000 | 3,489 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8032% | 480 |
| Cost of funding earning assets | 2.6511% | 1,407 |
| Net interest margin | 4.1521% | 2,085 |
| Noninterest income to average assets | 0.6978% | 2,900 |
| Noninterest expense to average assets | 3.2699% | 2,737 |
| Loan and lease loss provision to assets | 0.2193% | 4,261 |
| Net operating income to assets | 0.9521% | 2,507 |
| Return on assets (ROA) | 0.9521% | 2,635 |
| Pretax return on assets | 0.9521% | 3,526 |
| Return on Equity (ROE) | 13.8106% | 1,201 |
| Retained earnings to average equity (ytd only) | 13.8106% | 530 |
| Net charge-offs to loans | 0.3018% | 2,900 |
| Credit loss provision to net charge-offs | 94.6237% | 3,903 |
| Earnings coverage of net charge-offs (x) | 5.0538% | 2,757 |
| Efficiency ratio | 73.6251% | 3,890 |
| Assets per employee ($millions) | 2.4542% | 7,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 3,588 |
| Loan loss allowance to noncurrent loans | 100.1175% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.4014% | 3,844 |
| Noncurrent loans to loans | 1.3828% | 4,238 |
| Net loans and leases to total assets | 74.9386% | 2,515 |
| Net loans and leases to deposits | 100.5809% | 1,331 |
| Net loans and leases to core deposits | 135.4898% | 1,335 |
| Total domestic deposits to total assets | 74.5058% | 6,804 |
| Equity capital to assets | 7.0960% | 7,625 |
| Core capital (leverage) ratio | 7.5190% | 7,142 |
| Tier 1 risk-based capital ratio | 8.7343% | 7,898 |
| Total risk-based capital ratio | 9.8914% | 7,970 |
| Memoranda: | ||
| Average total assets | $160,494,500 | 3,824 |
| Average earning assets | $144,696,500 | 3,864 |
| Average equity | $11,064,000 | 5,091 |
| Average total loans | $123,267,000 | 3,495 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5456% | 378 |
| Cost of funding earning assets | 3.0418% | 1,710 |
| Net interest margin | 4.5038% | 1,411 |
| Noninterest income to average assets | 0.7263% | 2,935 |
| Noninterest expense to average assets | 3.1471% | 3,526 |
| Loan and lease loss provision to assets | 0.4461% | 3,061 |
| Net operating income to assets | 1.1988% | 1,769 |
| Return on assets (ROA) | 0.1467% | 5,814 |
| Pretax return on assets | 0.1467% | 5,849 |
| Return on Equity (ROE) | 2.1810% | 5,552 |
| Retained earnings to average equity (ytd only) | 0.7074% | 4,809 |
| Net charge-offs to loans | 0.3241% | 3,234 |
| Credit loss provision to net charge-offs | 183.4239% | 2,716 |
| Earnings coverage of net charge-offs (x) | 6.7636% | 3,278 |
| Efficiency ratio | 65.6737% | 5,196 |
| Assets per employee ($millions) | 2.4845% | 7,226 |
| Cash dividends to net income (ytd only)* | 67.5676% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 3,294 |
| Loan loss allowance to noncurrent loans | 74.8249% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.5980% | 3,049 |
| Noncurrent loans to loans | 1.8502% | 2,983 |
| Net loans and leases to total assets | 76.5589% | 2,487 |
| Net loans and leases to deposits | 105.8840% | 1,132 |
| Net loans and leases to core deposits | 142.5208% | 1,151 |
| Total domestic deposits to total assets | 72.3044% | 6,943 |
| Equity capital to assets | 6.6876% | 7,875 |
| Core capital (leverage) ratio | 7.1311% | 7,588 |
| Tier 1 risk-based capital ratio | 9.1047% | 7,713 |
| Total risk-based capital ratio | 10.3554% | 7,671 |
| Memoranda: | ||
| Average total assets | $151,314,400 | 3,875 |
| Average earning assets | $136,595,400 | 3,920 |
| Average equity | $10,178,600 | 5,356 |
| Average total loans | $113,533,600 | 3,595 |