Home > The Exchange Bank > Performance and Condition Ratios
The Exchange Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 2,911 |
| Cost of funding earning assets | 0.7590% | 3,839 |
| Net interest margin | 3.8336% | 1,503 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 3.0015% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2757% | 1,481 |
| Return on assets (ROA) | 1.2778% | 1,449 |
| Pretax return on assets | 1.2778% | 1,936 |
| Return on Equity (ROE) | 17.0600% | 941 |
| Retained earnings to average equity (ytd only) | 13.2445% | 475 |
| Net charge-offs to loans | -0.0608% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.1740% | 1,853 |
| Assets per employee ($millions) | 4.3778% | 4,004 |
| Cash dividends to net income (ytd only)* | 22.3626% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 701 |
| Loan loss allowance to noncurrent loans | 38.8961% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 210 |
| Noncurrent loans to loans | 4.3129% | 71 |
| Net loans and leases to total assets | 37.7400% | 4,104 |
| Net loans and leases to deposits | 41.4956% | 4,164 |
| Net loans and leases to core deposits | 45.0638% | 4,177 |
| Total domestic deposits to total assets | 90.9500% | 521 |
| Equity capital to assets | 8.7309% | 2,884 |
| Core capital (leverage) ratio | 11.8101% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $142,428,000 | 3,438 |
| Average earning assets | $132,279,400 | 3,426 |
| Average equity | $10,668,600 | 3,649 |
| Average total loans | $55,902,800 | 3,763 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 2,880 |
| Cost of funding earning assets | 0.6337% | 3,913 |
| Net interest margin | 3.8805% | 1,445 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.9013% | 1,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2096% | 1,768 |
| Return on assets (ROA) | 1.2120% | 1,752 |
| Pretax return on assets | 1.4227% | 1,726 |
| Return on Equity (ROE) | 16.8600% | 1,100 |
| Retained earnings to average equity (ytd only) | 11.5843% | 1,054 |
| Net charge-offs to loans | -0.0803% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.1413% | 2,125 |
| Assets per employee ($millions) | 4.5972% | 3,883 |
| Cash dividends to net income (ytd only)* | 31.3077% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 787 |
| Loan loss allowance to noncurrent loans | 33.7828% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.9360% | 153 |
| Noncurrent loans to loans | 4.8780% | 54 |
| Net loans and leases to total assets | 39.0300% | 4,090 |
| Net loans and leases to deposits | 43.6846% | 4,116 |
| Net loans and leases to core deposits | 46.9145% | 4,111 |
| Total domestic deposits to total assets | 89.3500% | 1,141 |
| Equity capital to assets | 7.1884% | 3,518 |
| Core capital (leverage) ratio | 11.3517% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $143,013,000 | 3,437 |
| Average earning assets | $132,558,000 | 3,428 |
| Average equity | $10,278,000 | 3,690 |
| Average total loans | $56,436,250 | 3,762 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3507% | 2,997 |
| Cost of funding earning assets | 0.5775% | 3,813 |
| Net interest margin | 3.7732% | 1,674 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.8954% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1374% | 2,013 |
| Return on assets (ROA) | 1.1374% | 2,006 |
| Pretax return on assets | 1.3240% | 2,007 |
| Return on Equity (ROE) | 15.8300% | 1,298 |
| Retained earnings to average equity (ytd only) | 8.0005% | 1,962 |
| Net charge-offs to loans | -0.0211% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.6210% | 1,903 |
| Assets per employee ($millions) | 4.6307% | 3,872 |
| Cash dividends to net income (ytd only)* | 49.4532% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 950 |
| Loan loss allowance to noncurrent loans | 36.4015% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.6726% | 195 |
| Noncurrent loans to loans | 4.3736% | 73 |
| Net loans and leases to total assets | 37.6300% | 4,128 |
| Net loans and leases to deposits | 40.8443% | 4,194 |
| Net loans and leases to core deposits | 43.7148% | 4,185 |
| Total domestic deposits to total assets | 92.1400% | 386 |
| Equity capital to assets | 7.3869% | 3,585 |
| Core capital (leverage) ratio | 10.6193% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $144,712,000 | 3,430 |
| Average earning assets | $134,368,333 | 3,418 |
| Average equity | $10,399,333 | 3,688 |
| Average total loans | $57,003,333 | 3,766 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 2,989 |
| Cost of funding earning assets | 0.5264% | 3,609 |
| Net interest margin | 3.6994% | 1,901 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.8302% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1067% | 2,205 |
| Return on assets (ROA) | 1.1067% | 2,171 |
| Pretax return on assets | 1.2967% | 2,188 |
| Return on Equity (ROE) | 15.6200% | 1,437 |
| Retained earnings to average equity (ytd only) | -0.1942% | 4,053 |
| Net charge-offs to loans | -0.0207% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.5791% | 1,909 |
| Assets per employee ($millions) | 4.7743% | 3,817 |
| Cash dividends to net income (ytd only)* | 101.2438% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,239 |
| Loan loss allowance to noncurrent loans | 35.4642% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.6594% | 179 |
| Noncurrent loans to loans | 4.2437% | 80 |
| Net loans and leases to total assets | 38.5100% | 4,097 |
| Net loans and leases to deposits | 41.6424% | 4,175 |
| Net loans and leases to core deposits | 45.5059% | 4,130 |
| Total domestic deposits to total assets | 92.4900% | 400 |
| Equity capital to assets | 7.1201% | 3,773 |
| Core capital (leverage) ratio | 10.3012% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $145,292,000 | 3,472 |
| Average earning assets | $135,264,500 | 3,458 |
| Average equity | $10,297,000 | 3,747 |
| Average total loans | $58,056,000 | 3,790 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 2,829 |
| Cost of funding earning assets | 0.3507% | 2,467 |
| Net interest margin | 3.2400% | 2,737 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.8129% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8376% | 3,196 |
| Return on assets (ROA) | 0.8388% | 3,121 |
| Pretax return on assets | 0.9495% | 3,220 |
| Return on Equity (ROE) | 10.8200% | 2,537 |
| Retained earnings to average equity (ytd only) | 7.2531% | 2,123 |
| Net charge-offs to loans | -0.0672% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.7911% | 1,141 |
| Assets per employee ($millions) | 4.5994% | 3,968 |
| Cash dividends to net income (ytd only)* | 32.9805% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,231 |
| Loan loss allowance to noncurrent loans | 34.6645% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.7604% | 154 |
| Noncurrent loans to loans | 4.2996% | 79 |
| Net loans and leases to total assets | 40.2400% | 4,059 |
| Net loans and leases to deposits | 44.1433% | 4,110 |
| Net loans and leases to core deposits | 48.4335% | 4,044 |
| Total domestic deposits to total assets | 91.1500% | 897 |
| Equity capital to assets | 7.0529% | 3,640 |
| Core capital (leverage) ratio | 10.4486% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $146,397,400 | 3,477 |
| Average earning assets | $136,850,600 | 3,452 |
| Average equity | $11,346,800 | 3,730 |
| Average total loans | $57,995,600 | 3,769 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4769% | 2,691 |
| Cost of funding earning assets | 0.3156% | 2,006 |
| Net interest margin | 3.1613% | 2,739 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.8439% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7458% | 3,433 |
| Return on assets (ROA) | 0.7474% | 3,372 |
| Pretax return on assets | 0.8569% | 3,457 |
| Return on Equity (ROE) | 9.4400% | 2,894 |
| Retained earnings to average equity (ytd only) | 4.8101% | 3,160 |
| Net charge-offs to loans | -0.0759% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.8836% | 1,005 |
| Assets per employee ($millions) | 4.8515% | 3,800 |
| Cash dividends to net income (ytd only)* | 49.0315% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 1,486 |
| Loan loss allowance to noncurrent loans | 33.7642% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.7589% | 165 |
| Noncurrent loans to loans | 4.2580% | 82 |
| Net loans and leases to total assets | 40.6000% | 4,048 |
| Net loans and leases to deposits | 44.8553% | 4,074 |
| Net loans and leases to core deposits | 48.8987% | 4,004 |
| Total domestic deposits to total assets | 90.5200% | 1,433 |
| Equity capital to assets | 6.3616% | 3,814 |
| Core capital (leverage) ratio | 9.9933% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $147,351,750 | 3,495 |
| Average earning assets | $137,704,000 | 3,466 |
| Average equity | $11,669,500 | 3,747 |
| Average total loans | $57,935,000 | 3,782 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3323% | 2,636 |
| Cost of funding earning assets | 0.2964% | 1,749 |
| Net interest margin | 3.0359% | 2,778 |
| Noninterest income to average assets | 0.7327% | 1,224 |
| Noninterest expense to average assets | 2.9225% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5748% | 3,696 |
| Return on assets (ROA) | 0.5772% | 3,635 |
| Pretax return on assets | 0.6516% | 3,711 |
| Return on Equity (ROE) | 6.8468% | 3,347 |
| Retained earnings to average equity (ytd only) | 0.3528% | 4,122 |
| Net charge-offs to loans | -0.0943% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8319% | 817 |
| Assets per employee ($millions) | 4.6772% | 3,950 |
| Cash dividends to net income (ytd only)* | 94.8478% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,646 |
| Loan loss allowance to noncurrent loans | 27.4447% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.0886% | 129 |
| Noncurrent loans to loans | 5.2015% | 56 |
| Net loans and leases to total assets | 39.4915% | 4,098 |
| Net loans and leases to deposits | 42.5044% | 4,177 |
| Net loans and leases to core deposits | 46.0579% | 4,121 |
| Total domestic deposits to total assets | 92.9117% | 536 |
| Equity capital to assets | 6.7929% | 3,881 |
| Core capital (leverage) ratio | 9.5738% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,953,667 | 3,521 |
| Average earning assets | $138,343,000 | 3,508 |
| Average equity | $12,473,000 | 3,737 |
| Average total loans | $57,260,667 | 3,842 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2408% | 2,565 |
| Cost of funding earning assets | 0.2936% | 1,717 |
| Net interest margin | 2.9472% | 2,680 |
| Noninterest income to average assets | 0.6581% | 1,454 |
| Noninterest expense to average assets | 2.8498% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5172% | 3,664 |
| Return on assets (ROA) | 0.5221% | 3,613 |
| Pretax return on assets | 0.5711% | 3,704 |
| Return on Equity (ROE) | 5.6363% | 3,443 |
| Retained earnings to average equity (ytd only) | -6.2528% | 4,467 |
| Net charge-offs to loans | -0.0429% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4395% | 890 |
| Assets per employee ($millions) | 4.8245% | 3,901 |
| Cash dividends to net income (ytd only)* | 210.9375% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,671 |
| Loan loss allowance to noncurrent loans | 701.6807% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,225 |
| Noncurrent loans to loans | 0.2087% | 2,777 |
| Net loans and leases to total assets | 37.5647% | 4,135 |
| Net loans and leases to deposits | 41.0479% | 4,205 |
| Net loans and leases to core deposits | 44.2450% | 4,150 |
| Total domestic deposits to total assets | 91.5143% | 796 |
| Equity capital to assets | 8.2329% | 3,378 |
| Core capital (leverage) ratio | 9.6034% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,095,500 | 3,540 |
| Average earning assets | $137,620,000 | 3,527 |
| Average equity | $13,626,000 | 3,693 |
| Average total loans | $55,909,500 | 3,866 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 1,703 |
| Cost of funding earning assets | 0.3263% | 2,151 |
| Net interest margin | 3.5427% | 1,622 |
| Noninterest income to average assets | 0.8126% | 1,417 |
| Noninterest expense to average assets | 2.9234% | 1,110 |
| Loan and lease loss provision to assets | 0.1051% | 1,203 |
| Net operating income to assets | 0.9343% | 2,925 |
| Return on assets (ROA) | 0.9801% | 2,824 |
| Pretax return on assets | 1.1384% | 2,863 |
| Return on Equity (ROE) | 9.5571% | 2,699 |
| Retained earnings to average equity (ytd only) | 6.7972% | 2,003 |
| Net charge-offs to loans | 0.5001% | 166 |
| Credit loss provision to net charge-offs | 47.7707% | 2,149 |
| Earnings coverage of net charge-offs (x) | 5.4108% | 2,448 |
| Efficiency ratio | 71.0661% | 1,605 |
| Assets per employee ($millions) | 4.6656% | 3,990 |
| Cash dividends to net income (ytd only)* | 28.8778% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,503 |
| Loan loss allowance to noncurrent loans | 668.5484% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,300 |
| Noncurrent loans to loans | 0.2263% | 2,825 |
| Net loans and leases to total assets | 37.3179% | 4,234 |
| Net loans and leases to deposits | 41.8115% | 4,281 |
| Net loans and leases to core deposits | 45.5858% | 4,201 |
| Total domestic deposits to total assets | 89.2528% | 1,379 |
| Equity capital to assets | 10.3289% | 2,342 |
| Core capital (leverage) ratio | 10.3513% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,746,600 | 3,558 |
| Average earning assets | $133,006,000 | 3,543 |
| Average equity | $14,638,400 | 3,675 |
| Average total loans | $62,790,200 | 3,774 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 1,344 |
| Cost of funding earning assets | 0.3324% | 2,272 |
| Net interest margin | 3.7502% | 1,224 |
| Noninterest income to average assets | 0.8472% | 1,389 |
| Noninterest expense to average assets | 2.8967% | 1,131 |
| Loan and lease loss provision to assets | 0.1406% | 806 |
| Net operating income to assets | 1.0938% | 2,579 |
| Return on assets (ROA) | 1.1536% | 2,408 |
| Pretax return on assets | 1.3804% | 2,402 |
| Return on Equity (ROE) | 11.2701% | 2,282 |
| Retained earnings to average equity (ytd only) | 7.5714% | 2,191 |
| Net charge-offs to loans | 0.9878% | 65 |
| Credit loss provision to net charge-offs | 31.2500% | 1,949 |
| Earnings coverage of net charge-offs (x) | 3.2229% | 2,319 |
| Efficiency ratio | 66.6451% | 2,015 |
| Assets per employee ($millions) | 4.9095% | 3,786 |
| Cash dividends to net income (ytd only)* | 32.8188% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,322 |
| Loan loss allowance to noncurrent loans | 139.5789% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 2,079 |
| Noncurrent loans to loans | 0.8055% | 1,412 |
| Net loans and leases to total assets | 40.9510% | 4,153 |
| Net loans and leases to deposits | 46.2257% | 4,222 |
| Net loans and leases to core deposits | 50.3206% | 4,120 |
| Total domestic deposits to total assets | 88.5893% | 1,519 |
| Equity capital to assets | 10.6072% | 2,356 |
| Core capital (leverage) ratio | 10.0940% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,275,000 | 3,601 |
| Average earning assets | $132,753,250 | 3,584 |
| Average equity | $14,563,250 | 3,729 |
| Average total loans | $64,787,000 | 3,796 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 825 |
| Cost of funding earning assets | 0.3352% | 2,446 |
| Net interest margin | 4.0902% | 706 |
| Noninterest income to average assets | 0.8436% | 1,411 |
| Noninterest expense to average assets | 3.1032% | 838 |
| Loan and lease loss provision to assets | 0.2109% | 516 |
| Net operating income to assets | 1.1080% | 2,514 |
| Return on assets (ROA) | 1.1080% | 2,581 |
| Pretax return on assets | 1.3554% | 2,453 |
| Return on Equity (ROE) | 10.9569% | 2,437 |
| Retained earnings to average equity (ytd only) | 5.3394% | 3,054 |
| Net charge-offs to loans | 1.4837% | 46 |
| Credit loss provision to net charge-offs | 30.3030% | 1,700 |
| Earnings coverage of net charge-offs (x) | 2.2505% | 2,136 |
| Efficiency ratio | 66.4559% | 2,088 |
| Assets per employee ($millions) | 4.5824% | 4,037 |
| Cash dividends to net income (ytd only)* | 51.2690% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,937 |
| Loan loss allowance to noncurrent loans | 134.4398% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 2,255 |
| Noncurrent loans to loans | 0.7199% | 1,640 |
| Net loans and leases to total assets | 45.2154% | 3,960 |
| Net loans and leases to deposits | 50.6462% | 4,068 |
| Net loans and leases to core deposits | 55.0667% | 3,963 |
| Total domestic deposits to total assets | 89.2768% | 1,154 |
| Equity capital to assets | 9.9723% | 2,876 |
| Core capital (leverage) ratio | 9.6853% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,241,667 | 3,610 |
| Average earning assets | $133,050,000 | 3,597 |
| Average equity | $14,383,667 | 3,753 |
| Average total loans | $66,727,000 | 3,784 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 365 |
| Cost of funding earning assets | 0.3417% | 2,599 |
| Net interest margin | 4.6440% | 292 |
| Noninterest income to average assets | 0.8854% | 1,369 |
| Noninterest expense to average assets | 3.3132% | 592 |
| Loan and lease loss provision to assets | 0.4284% | 170 |
| Net operating income to assets | 1.1910% | 2,180 |
| Return on assets (ROA) | 1.1910% | 2,253 |
| Pretax return on assets | 1.4910% | 2,021 |
| Return on Equity (ROE) | 11.6938% | 2,128 |
| Retained earnings to average equity (ytd only) | 0.3646% | 4,320 |
| Net charge-offs to loans | 3.0023% | 18 |
| Credit loss provision to net charge-offs | 30.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 1.3440% | 1,856 |
| Efficiency ratio | 63.3188% | 2,560 |
| Assets per employee ($millions) | 5.1951% | 3,434 |
| Cash dividends to net income (ytd only)* | 96.8825% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 4,073 |
| Loan loss allowance to noncurrent loans | 69.8154% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 1,536 |
| Noncurrent loans to loans | 1.3328% | 973 |
| Net loans and leases to total assets | 45.4410% | 4,006 |
| Net loans and leases to deposits | 50.5322% | 4,131 |
| Net loans and leases to core deposits | 55.0131% | 4,045 |
| Total domestic deposits to total assets | 89.9249% | 855 |
| Equity capital to assets | 9.3011% | 3,388 |
| Core capital (leverage) ratio | 9.8482% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,044,500 | 3,640 |
| Average earning assets | $131,092,500 | 3,621 |
| Average equity | $14,264,000 | 3,772 |
| Average total loans | $66,615,500 | 3,801 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 692 |
| Cost of funding earning assets | 0.4994% | 2,950 |
| Net interest margin | 4.3331% | 476 |
| Noninterest income to average assets | 0.7603% | 1,661 |
| Noninterest expense to average assets | 3.0344% | 1,365 |
| Loan and lease loss provision to assets | 0.2938% | 1,286 |
| Net operating income to assets | 1.2427% | 1,405 |
| Return on assets (ROA) | 1.3002% | 1,348 |
| Pretax return on assets | 1.5481% | 1,199 |
| Return on Equity (ROE) | 11.6159% | 1,441 |
| Retained earnings to average equity (ytd only) | 8.0223% | 1,047 |
| Net charge-offs to loans | 0.0110% | 2,929 |
| Credit loss provision to net charge-offs | 5,028.5714% | 206 |
| Earnings coverage of net charge-offs (x) | 303.5714% | 344 |
| Efficiency ratio | 63.1140% | 2,957 |
| Assets per employee ($millions) | 4.3143% | 4,102 |
| Cash dividends to net income (ytd only)* | 30.9371% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 1,435 |
| Loan loss allowance to noncurrent loans | 94.5714% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8306% | 1,221 |
| Noncurrent loans to loans | 1.6374% | 804 |
| Net loans and leases to total assets | 48.7785% | 3,920 |
| Net loans and leases to deposits | 55.3322% | 4,044 |
| Net loans and leases to core deposits | 61.0858% | 3,883 |
| Total domestic deposits to total assets | 88.1558% | 1,403 |
| Equity capital to assets | 11.2146% | 2,088 |
| Core capital (leverage) ratio | 10.7801% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,825,200 | 3,748 |
| Average earning assets | $111,928,800 | 3,736 |
| Average equity | $13,412,600 | 3,823 |
| Average total loans | $63,681,000 | 3,854 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 408 |
| Cost of funding earning assets | 0.5249% | 3,081 |
| Net interest margin | 4.6843% | 264 |
| Noninterest income to average assets | 0.7608% | 1,617 |
| Noninterest expense to average assets | 3.2122% | 1,055 |
| Loan and lease loss provision to assets | 0.3994% | 885 |
| Net operating income to assets | 1.2342% | 1,537 |
| Return on assets (ROA) | 1.2342% | 1,657 |
| Pretax return on assets | 1.5158% | 1,417 |
| Return on Equity (ROE) | 11.0322% | 1,667 |
| Retained earnings to average equity (ytd only) | 6.1403% | 2,048 |
| Net charge-offs to loans | 0.0084% | 2,810 |
| Credit loss provision to net charge-offs | 8,800.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 421.7500% | 271 |
| Efficiency ratio | 62.6439% | 2,964 |
| Assets per employee ($millions) | 3.9974% | 4,312 |
| Cash dividends to net income (ytd only)* | 44.3422% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,637 |
| Loan loss allowance to noncurrent loans | 78.4870% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 1,088 |
| Noncurrent loans to loans | 1.8140% | 733 |
| Net loans and leases to total assets | 53.9096% | 3,811 |
| Net loans and leases to deposits | 62.6906% | 3,890 |
| Net loans and leases to core deposits | 69.2498% | 3,681 |
| Total domestic deposits to total assets | 85.9932% | 2,071 |
| Equity capital to assets | 10.9650% | 2,422 |
| Core capital (leverage) ratio | 10.3799% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,424,000 | 3,771 |
| Average earning assets | $109,468,500 | 3,764 |
| Average equity | $13,137,000 | 3,855 |
| Average total loans | $63,569,500 | 3,870 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8131% | 186 |
| Cost of funding earning assets | 0.5587% | 3,187 |
| Net interest margin | 5.2544% | 127 |
| Noninterest income to average assets | 0.7303% | 1,641 |
| Noninterest expense to average assets | 3.3565% | 915 |
| Loan and lease loss provision to assets | 0.6179% | 507 |
| Net operating income to assets | 1.3377% | 1,254 |
| Return on assets (ROA) | 1.3377% | 1,351 |
| Pretax return on assets | 1.6590% | 1,078 |
| Return on Equity (ROE) | 11.8685% | 1,365 |
| Retained earnings to average equity (ytd only) | 4.3611% | 2,754 |
| Net charge-offs to loans | 0.0130% | 2,498 |
| Credit loss provision to net charge-offs | 8,800.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 324.2500% | 308 |
| Efficiency ratio | 59.5824% | 3,472 |
| Assets per employee ($millions) | 3.9781% | 4,334 |
| Cash dividends to net income (ytd only)* | 63.2546% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,601 |
| Loan loss allowance to noncurrent loans | 78.0564% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0212% | 1,168 |
| Noncurrent loans to loans | 1.7875% | 788 |
| Net loans and leases to total assets | 55.2947% | 3,751 |
| Net loans and leases to deposits | 64.0174% | 3,882 |
| Net loans and leases to core deposits | 69.0955% | 3,776 |
| Total domestic deposits to total assets | 86.3745% | 1,857 |
| Equity capital to assets | 10.6098% | 2,653 |
| Core capital (leverage) ratio | 10.2011% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,926,667 | 3,803 |
| Average earning assets | $106,311,333 | 3,803 |
| Average equity | $12,840,667 | 3,892 |
| Average total loans | $61,441,000 | 3,913 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 801 |
| Cost of funding earning assets | 0.6097% | 3,384 |
| Net interest margin | 4.4885% | 513 |
| Noninterest income to average assets | 0.8467% | 1,171 |
| Noninterest expense to average assets | 3.3868% | 1,084 |
| Loan and lease loss provision to assets | 0.2797% | 1,112 |
| Net operating income to assets | 1.1078% | 1,823 |
| Return on assets (ROA) | 1.1078% | 1,913 |
| Pretax return on assets | 1.3540% | 1,705 |
| Return on Equity (ROE) | 9.4979% | 1,913 |
| Retained earnings to average equity (ytd only) | -5.9162% | 4,583 |
| Net charge-offs to loans | 0.0354% | 1,704 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 87.6000% | 634 |
| Efficiency ratio | 67.4591% | 2,749 |
| Assets per employee ($millions) | 3.5645% | 4,422 |
| Cash dividends to net income (ytd only)* | 162.2896% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,297 |
| Loan loss allowance to noncurrent loans | 56.0938% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 1,060 |
| Noncurrent loans to loans | 2.2599% | 569 |
| Net loans and leases to total assets | 50.6091% | 4,209 |
| Net loans and leases to deposits | 56.8920% | 4,330 |
| Net loans and leases to core deposits | 61.9573% | 4,272 |
| Total domestic deposits to total assets | 88.9564% | 684 |
| Equity capital to assets | 10.8988% | 2,950 |
| Core capital (leverage) ratio | 11.4193% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,241,000 | 3,879 |
| Average earning assets | $99,721,000 | 3,878 |
| Average equity | $12,508,000 | 3,943 |
| Average total loans | $56,469,000 | 4,021 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 1,638 |
| Cost of funding earning assets | 0.6431% | 3,446 |
| Net interest margin | 4.2958% | 1,096 |
| Noninterest income to average assets | 1.0080% | 954 |
| Noninterest expense to average assets | 3.3813% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3666% | 1,453 |
| Return on assets (ROA) | 1.3567% | 1,562 |
| Pretax return on assets | 1.5784% | 1,548 |
| Return on Equity (ROE) | 11.7075% | 1,618 |
| Retained earnings to average equity (ytd only) | 8.5745% | 812 |
| Net charge-offs to loans | -0.0686% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0185% | 2,455 |
| Assets per employee ($millions) | 3.4661% | 4,509 |
| Cash dividends to net income (ytd only)* | 26.7606% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 2,687 |
| Loan loss allowance to noncurrent loans | 319.2118% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 3,582 |
| Noncurrent loans to loans | 0.3606% | 3,157 |
| Net loans and leases to total assets | 53.5178% | 4,110 |
| Net loans and leases to deposits | 61.4401% | 4,216 |
| Net loans and leases to core deposits | 67.7675% | 4,091 |
| Total domestic deposits to total assets | 87.1057% | 1,554 |
| Equity capital to assets | 12.4760% | 1,831 |
| Core capital (leverage) ratio | 12.2023% | 1,655 |
| Tier 1 risk-based capital ratio | 19.4525% | 1,424 |
| Total risk-based capital ratio | 20.4440% | 1,446 |
| Memoranda: | ||
| Average total assets | $104,663,400 | 3,923 |
| Average earning assets | $96,559,800 | 3,932 |
| Average equity | $12,129,000 | 3,980 |
| Average total loans | $52,497,000 | 4,132 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 1,753 |
| Cost of funding earning assets | 0.6441% | 3,480 |
| Net interest margin | 4.2791% | 1,207 |
| Noninterest income to average assets | 0.9768% | 981 |
| Noninterest expense to average assets | 3.3716% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2524% | 2,008 |
| Return on assets (ROA) | 1.2400% | 2,133 |
| Pretax return on assets | 1.5275% | 1,883 |
| Return on Equity (ROE) | 10.9076% | 2,055 |
| Retained earnings to average equity (ytd only) | 6.6564% | 2,033 |
| Net charge-offs to loans | -0.0414% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6077% | 2,322 |
| Assets per employee ($millions) | 3.2714% | 4,690 |
| Cash dividends to net income (ytd only)* | 38.9740% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 2,655 |
| Loan loss allowance to noncurrent loans | 183.6257% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,102 |
| Noncurrent loans to loans | 0.6382% | 2,375 |
| Net loans and leases to total assets | 50.5937% | 4,395 |
| Net loans and leases to deposits | 57.7384% | 4,484 |
| Net loans and leases to core deposits | 63.7752% | 4,381 |
| Total domestic deposits to total assets | 87.6257% | 1,205 |
| Equity capital to assets | 12.0332% | 2,234 |
| Core capital (leverage) ratio | 11.6362% | 2,118 |
| Tier 1 risk-based capital ratio | 19.5553% | 1,448 |
| Total risk-based capital ratio | 20.5563% | 1,475 |
| Memoranda: | ||
| Average total assets | $104,833,250 | 3,960 |
| Average earning assets | $96,465,750 | 3,973 |
| Average equity | $11,918,000 | 4,048 |
| Average total loans | $51,546,750 | 4,201 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 2,206 |
| Cost of funding earning assets | 0.6366% | 3,475 |
| Net interest margin | 4.1194% | 1,556 |
| Noninterest income to average assets | 0.9287% | 1,011 |
| Noninterest expense to average assets | 3.3771% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0996% | 2,523 |
| Return on assets (ROA) | 1.0965% | 2,600 |
| Pretax return on assets | 1.3482% | 2,388 |
| Return on Equity (ROE) | 9.8361% | 2,466 |
| Retained earnings to average equity (ytd only) | 3.3357% | 3,563 |
| Net charge-offs to loans | -0.0354% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4113% | 2,002 |
| Assets per employee ($millions) | 3.3963% | 4,609 |
| Cash dividends to net income (ytd only)* | 66.0870% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,641 |
| Loan loss allowance to noncurrent loans | 119.1939% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 2,593 |
| Noncurrent loans to loans | 0.9875% | 1,654 |
| Net loans and leases to total assets | 47.9748% | 4,572 |
| Net loans and leases to deposits | 54.2255% | 4,675 |
| Net loans and leases to core deposits | 62.8374% | 4,466 |
| Total domestic deposits to total assets | 88.4728% | 884 |
| Equity capital to assets | 11.2447% | 2,817 |
| Core capital (leverage) ratio | 11.0199% | 2,578 |
| Tier 1 risk-based capital ratio | 18.8361% | 1,594 |
| Total risk-based capital ratio | 19.8216% | 1,614 |
| Memoranda: | ||
| Average total assets | $104,882,670 | 3,982 |
| Average earning assets | $96,762,330 | 3,994 |
| Average equity | $11,691,670 | 4,088 |
| Average total loans | $50,865,000 | 4,240 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 2,200 |
| Cost of funding earning assets | 0.5779% | 3,687 |
| Net interest margin | 4.1299% | 1,481 |
| Noninterest income to average assets | 0.8700% | 1,117 |
| Noninterest expense to average assets | 3.4375% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0006% | 2,838 |
| Return on assets (ROA) | 0.9943% | 2,904 |
| Pretax return on assets | 1.2274% | 2,706 |
| Return on Equity (ROE) | 8.9612% | 2,829 |
| Retained earnings to average equity (ytd only) | -4.3406% | 4,889 |
| Net charge-offs to loans | 0.1122% | 1,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 22.7143% | 1,488 |
| Efficiency ratio | 73.5661% | 1,805 |
| Assets per employee ($millions) | 3.2655% | 4,769 |
| Cash dividends to net income (ytd only)* | 148.4375% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,464 |
| Loan loss allowance to noncurrent loans | 122.7926% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 2,738 |
| Noncurrent loans to loans | 0.9957% | 1,680 |
| Net loans and leases to total assets | 44.8316% | 4,707 |
| Net loans and leases to deposits | 50.2915% | 4,808 |
| Net loans and leases to core deposits | 58.1031% | 4,643 |
| Total domestic deposits to total assets | 89.1436% | 795 |
| Equity capital to assets | 10.6987% | 3,162 |
| Core capital (leverage) ratio | 11.0944% | 2,485 |
| Tier 1 risk-based capital ratio | 19.4281% | 1,456 |
| Total risk-based capital ratio | 20.4340% | 1,476 |
| Memoranda: | ||
| Average total assets | $102,983,000 | 4,054 |
| Average earning assets | $94,820,000 | 4,059 |
| Average equity | $11,427,000 | 4,139 |
| Average total loans | $49,917,000 | 4,302 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 1,700 |
| Cost of funding earning assets | 0.4891% | 3,427 |
| Net interest margin | 4.2534% | 1,269 |
| Noninterest income to average assets | 0.8885% | 1,204 |
| Noninterest expense to average assets | 3.4472% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0520% | 2,800 |
| Return on assets (ROA) | 1.0520% | 2,786 |
| Pretax return on assets | 1.3352% | 2,382 |
| Return on Equity (ROE) | 9.7122% | 2,636 |
| Retained earnings to average equity (ytd only) | 7.5120% | 1,452 |
| Net charge-offs to loans | 0.0673% | 2,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 39.3824% | 1,330 |
| Efficiency ratio | 72.0809% | 1,884 |
| Assets per employee ($millions) | 3.0689% | 4,953 |
| Cash dividends to net income (ytd only)* | 22.6540% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,560 |
| Loan loss allowance to noncurrent loans | 170.9497% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 3,056 |
| Noncurrent loans to loans | 0.7030% | 2,233 |
| Net loans and leases to total assets | 51.2326% | 4,444 |
| Net loans and leases to deposits | 58.0071% | 4,577 |
| Net loans and leases to core deposits | 62.8323% | 4,500 |
| Total domestic deposits to total assets | 88.3214% | 1,152 |
| Equity capital to assets | 11.5320% | 2,234 |
| Core capital (leverage) ratio | 11.6502% | 1,991 |
| Tier 1 risk-based capital ratio | 19.4968% | 1,403 |
| Total risk-based capital ratio | 20.5206% | 1,421 |
| Memoranda: | ||
| Average total assets | $100,284,800 | 4,094 |
| Average earning assets | $91,809,200 | 4,113 |
| Average equity | $10,862,600 | 4,179 |
| Average total loans | $50,541,800 | 4,307 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,652 |
| Cost of funding earning assets | 0.4713% | 3,383 |
| Net interest margin | 4.2372% | 1,271 |
| Noninterest income to average assets | 0.8743% | 1,272 |
| Noninterest expense to average assets | 3.4244% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3147% | 1,803 |
| Return on assets (ROA) | 1.3147% | 1,805 |
| Pretax return on assets | 1.3147% | 2,559 |
| Return on Equity (ROE) | 12.3318% | 1,668 |
| Retained earnings to average equity (ytd only) | 9.3667% | 1,088 |
| Net charge-offs to loans | 0.0872% | 1,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 30.1205% | 1,604 |
| Efficiency ratio | 72.2579% | 1,842 |
| Assets per employee ($millions) | 3.1643% | 4,914 |
| Cash dividends to net income (ytd only)* | 24.0444% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 2,807 |
| Loan loss allowance to noncurrent loans | 217.3759% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 3,538 |
| Noncurrent loans to loans | 0.5371% | 2,775 |
| Net loans and leases to total assets | 51.2488% | 4,515 |
| Net loans and leases to deposits | 57.5713% | 4,666 |
| Net loans and leases to core deposits | 61.9611% | 4,616 |
| Total domestic deposits to total assets | 89.0180% | 837 |
| Equity capital to assets | 10.8318% | 2,816 |
| Core capital (leverage) ratio | 11.0197% | 2,559 |
| Tier 1 risk-based capital ratio | 18.3378% | 1,712 |
| Total risk-based capital ratio | 19.3303% | 1,721 |
| Memoranda: | ||
| Average total assets | $100,804,750 | 4,134 |
| Average earning assets | $91,945,750 | 4,144 |
| Average equity | $10,747,000 | 4,235 |
| Average total loans | $50,446,000 | 4,354 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 1,626 |
| Cost of funding earning assets | 0.4553% | 3,318 |
| Net interest margin | 4.2001% | 1,291 |
| Noninterest income to average assets | 0.8028% | 1,467 |
| Noninterest expense to average assets | 3.3859% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2478% | 1,992 |
| Return on assets (ROA) | 1.2478% | 1,989 |
| Pretax return on assets | 1.2478% | 2,733 |
| Return on Equity (ROE) | 11.7676% | 1,814 |
| Retained earnings to average equity (ytd only) | 7.2892% | 1,929 |
| Net charge-offs to loans | 0.1326% | 1,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 19.0303% | 1,870 |
| Efficiency ratio | 73.0703% | 1,838 |
| Assets per employee ($millions) | 3.1835% | 4,945 |
| Cash dividends to net income (ytd only)* | 38.0573% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,894 |
| Loan loss allowance to noncurrent loans | 200.3268% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 3,127 |
| Noncurrent loans to loans | 0.5830% | 2,673 |
| Net loans and leases to total assets | 50.9208% | 4,549 |
| Net loans and leases to deposits | 57.0219% | 4,698 |
| Net loans and leases to core deposits | 63.1001% | 4,545 |
| Total domestic deposits to total assets | 89.3003% | 816 |
| Equity capital to assets | 10.5799% | 3,044 |
| Core capital (leverage) ratio | 10.4761% | 3,057 |
| Tier 1 risk-based capital ratio | 17.8956% | 1,827 |
| Total risk-based capital ratio | 18.8965% | 1,859 |
| Memoranda: | ||
| Average total assets | $100,654,000 | 4,166 |
| Average earning assets | $91,806,330 | 4,190 |
| Average equity | $10,673,330 | 4,280 |
| Average total loans | $49,759,330 | 4,408 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 1,662 |
| Cost of funding earning assets | 0.4053% | 3,540 |
| Net interest margin | 4.1668% | 1,259 |
| Noninterest income to average assets | 0.7237% | 1,726 |
| Noninterest expense to average assets | 3.4584% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0875% | 2,483 |
| Return on assets (ROA) | 1.0875% | 2,499 |
| Pretax return on assets | 1.0875% | 3,216 |
| Return on Equity (ROE) | 10.2439% | 2,310 |
| Retained earnings to average equity (ytd only) | 1.2428% | 4,566 |
| Net charge-offs to loans | 0.2975% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.5556% | 2,076 |
| Efficiency ratio | 76.0774% | 1,586 |
| Assets per employee ($millions) | 3.3711% | 4,824 |
| Cash dividends to net income (ytd only)* | 87.8676% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,389 |
| Loan loss allowance to noncurrent loans | 183.7349% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 2,405 |
| Noncurrent loans to loans | 0.6923% | 2,481 |
| Net loans and leases to total assets | 45.3041% | 4,833 |
| Net loans and leases to deposits | 50.4062% | 4,944 |
| Net loans and leases to core deposits | 56.0574% | 4,841 |
| Total domestic deposits to total assets | 89.8780% | 708 |
| Equity capital to assets | 10.0311% | 3,562 |
| Core capital (leverage) ratio | 10.4176% | 3,045 |
| Tier 1 risk-based capital ratio | 18.7300% | 1,624 |
| Total risk-based capital ratio | 19.8075% | 1,638 |
| Memoranda: | ||
| Average total assets | $100,045,000 | 4,218 |
| Average earning assets | $91,774,000 | 4,236 |
| Average equity | $10,621,000 | 4,332 |
| Average total loans | $48,395,500 | 4,478 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 1,588 |
| Cost of funding earning assets | 0.3725% | 3,493 |
| Net interest margin | 4.1670% | 1,258 |
| Noninterest income to average assets | 0.8871% | 1,310 |
| Noninterest expense to average assets | 3.5327% | 982 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8982% | 2,721 |
| Return on assets (ROA) | 0.9006% | 2,736 |
| Pretax return on assets | 1.1845% | 2,828 |
| Return on Equity (ROE) | 8.2337% | 2,683 |
| Retained earnings to average equity (ytd only) | 7.0452% | 1,056 |
| Net charge-offs to loans | -0.0325% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9393% | 1,773 |
| Assets per employee ($millions) | 3.0834% | 5,138 |
| Cash dividends to net income (ytd only)* | 14.4342% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 2,103 |
| Loan loss allowance to noncurrent loans | 184.5714% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 1,608 |
| Noncurrent loans to loans | 0.7167% | 2,412 |
| Net loans and leases to total assets | 50.4159% | 4,627 |
| Net loans and leases to deposits | 56.8882% | 4,751 |
| Net loans and leases to core deposits | 59.6573% | 4,771 |
| Total domestic deposits to total assets | 88.6227% | 1,181 |
| Equity capital to assets | 11.2560% | 2,394 |
| Core capital (leverage) ratio | 11.0516% | 2,288 |
| Tier 1 risk-based capital ratio | 19.2681% | 1,456 |
| Total risk-based capital ratio | 20.4478% | 1,443 |
| Memoranda: | ||
| Average total assets | $96,159,400 | 4,310 |
| Average earning assets | $88,312,400 | 4,328 |
| Average equity | $10,517,800 | 4,376 |
| Average total loans | $52,360,400 | 4,402 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 1,449 |
| Cost of funding earning assets | 0.3659% | 3,501 |
| Net interest margin | 4.2038% | 1,148 |
| Noninterest income to average assets | 0.8971% | 1,278 |
| Noninterest expense to average assets | 3.5124% | 975 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2212% | 1,604 |
| Return on assets (ROA) | 1.2280% | 1,615 |
| Pretax return on assets | 1.2405% | 2,748 |
| Return on Equity (ROE) | 11.3090% | 1,566 |
| Retained earnings to average equity (ytd only) | 9.7152% | 648 |
| Net charge-offs to loans | -0.0426% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0082% | 1,887 |
| Assets per employee ($millions) | 3.0445% | 5,225 |
| Cash dividends to net income (ytd only)* | 14.0922% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 2,412 |
| Loan loss allowance to noncurrent loans | 176.9863% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 1,702 |
| Noncurrent loans to loans | 0.7285% | 2,533 |
| Net loans and leases to total assets | 52.4052% | 4,541 |
| Net loans and leases to deposits | 59.4659% | 4,662 |
| Net loans and leases to core deposits | 62.4743% | 4,684 |
| Total domestic deposits to total assets | 88.1265% | 1,301 |
| Equity capital to assets | 11.6076% | 2,270 |
| Core capital (leverage) ratio | 10.7865% | 2,656 |
| Tier 1 risk-based capital ratio | 18.3843% | 1,762 |
| Total risk-based capital ratio | 19.5363% | 1,743 |
| Memoranda: | ||
| Average total assets | $96,303,000 | 4,344 |
| Average earning assets | $88,171,250 | 4,369 |
| Average equity | $10,457,500 | 4,425 |
| Average total loans | $53,241,500 | 4,422 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,344 |
| Cost of funding earning assets | 0.3681% | 3,402 |
| Net interest margin | 4.1959% | 1,086 |
| Noninterest income to average assets | 0.7138% | 1,926 |
| Noninterest expense to average assets | 3.4948% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0398% | 2,252 |
| Return on assets (ROA) | 1.0398% | 2,292 |
| Pretax return on assets | 1.0521% | 3,365 |
| Return on Equity (ROE) | 9.7943% | 2,128 |
| Retained earnings to average equity (ytd only) | 7.3652% | 1,419 |
| Net charge-offs to loans | -0.0921% | 5,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8603% | 1,599 |
| Assets per employee ($millions) | 3.1040% | 5,185 |
| Cash dividends to net income (ytd only)* | 24.8016% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,795 |
| Loan loss allowance to noncurrent loans | 136.5344% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.5183% | 991 |
| Noncurrent loans to loans | 0.9043% | 2,168 |
| Net loans and leases to total assets | 54.3679% | 4,361 |
| Net loans and leases to deposits | 61.2681% | 4,545 |
| Net loans and leases to core deposits | 64.0378% | 4,603 |
| Total domestic deposits to total assets | 88.7377% | 1,089 |
| Equity capital to assets | 11.0367% | 2,769 |
| Core capital (leverage) ratio | 10.1508% | 3,335 |
| Tier 1 risk-based capital ratio | 16.7785% | 2,209 |
| Total risk-based capital ratio | 17.8840% | 2,220 |
| Memoranda: | ||
| Average total assets | $96,944,670 | 4,361 |
| Average earning assets | $88,563,670 | 4,388 |
| Average equity | $10,291,670 | 4,470 |
| Average total loans | $54,287,000 | 4,410 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 1,163 |
| Cost of funding earning assets | 0.3743% | 3,257 |
| Net interest margin | 4.2161% | 957 |
| Noninterest income to average assets | 0.8304% | 1,453 |
| Noninterest expense to average assets | 3.5024% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1716% | 1,581 |
| Return on assets (ROA) | 1.1716% | 1,626 |
| Pretax return on assets | 1.1716% | 2,704 |
| Return on Equity (ROE) | 11.2565% | 1,482 |
| Retained earnings to average equity (ytd only) | 6.3194% | 2,178 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9340% | 2,078 |
| Assets per employee ($millions) | 3.2104% | 5,152 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 3,380 |
| Loan loss allowance to noncurrent loans | 121.8992% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.5936% | 980 |
| Noncurrent loans to loans | 0.9478% | 2,146 |
| Net loans and leases to total assets | 54.0740% | 4,334 |
| Net loans and leases to deposits | 61.7874% | 4,449 |
| Net loans and leases to core deposits | 64.5179% | 4,508 |
| Total domestic deposits to total assets | 87.5162% | 1,981 |
| Equity capital to assets | 10.2963% | 3,409 |
| Core capital (leverage) ratio | 9.9787% | 3,524 |
| Tier 1 risk-based capital ratio | 15.9715% | 2,555 |
| Total risk-based capital ratio | 17.0064% | 2,585 |
| Memoranda: | ||
| Average total assets | $97,305,000 | 4,402 |
| Average earning assets | $88,707,500 | 4,426 |
| Average equity | $10,127,500 | 4,521 |
| Average total loans | $54,946,000 | 4,427 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,168 |
| Cost of funding earning assets | 0.3939% | 3,053 |
| Net interest margin | 4.2557% | 1,003 |
| Noninterest income to average assets | 0.9832% | 1,191 |
| Noninterest expense to average assets | 3.5978% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1337% | 1,755 |
| Return on assets (ROA) | 1.1495% | 1,786 |
| Pretax return on assets | 1.2391% | 2,517 |
| Return on Equity (ROE) | 10.9689% | 1,589 |
| Retained earnings to average equity (ytd only) | 9.9107% | 420 |
| Net charge-offs to loans | 0.1984% | 1,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 11.5758% | 2,529 |
| Efficiency ratio | 74.6460% | 2,193 |
| Assets per employee ($millions) | 3.0674% | 5,299 |
| Cash dividends to net income (ytd only)* | 9.6475% | 4,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 3,520 |
| Loan loss allowance to noncurrent loans | 126.0521% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.6605% | 942 |
| Noncurrent loans to loans | 0.8999% | 2,298 |
| Net loans and leases to total assets | 57.6502% | 4,102 |
| Net loans and leases to deposits | 67.3642% | 4,140 |
| Net loans and leases to core deposits | 70.5567% | 4,196 |
| Total domestic deposits to total assets | 85.5798% | 2,792 |
| Equity capital to assets | 10.5249% | 3,122 |
| Core capital (leverage) ratio | 10.0437% | 3,434 |
| Tier 1 risk-based capital ratio | 15.7055% | 2,669 |
| Total risk-based capital ratio | 16.7419% | 2,687 |
| Memoranda: | ||
| Average total assets | $93,778,400 | 4,474 |
| Average earning assets | $84,544,800 | 4,507 |
| Average equity | $9,827,800 | 4,611 |
| Average total loans | $49,903,000 | 4,577 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 1,251 |
| Cost of funding earning assets | 0.3936% | 3,085 |
| Net interest margin | 4.2276% | 1,063 |
| Noninterest income to average assets | 1.0872% | 958 |
| Noninterest expense to average assets | 3.5997% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2883% | 1,329 |
| Return on assets (ROA) | 1.3112% | 1,340 |
| Pretax return on assets | 1.3112% | 2,383 |
| Return on Equity (ROE) | 12.5251% | 1,164 |
| Retained earnings to average equity (ytd only) | 11.1077% | 413 |
| Net charge-offs to loans | 0.1951% | 1,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.7189% | 2,367 |
| Efficiency ratio | 73.6427% | 2,352 |
| Assets per employee ($millions) | 3.0394% | 5,358 |
| Cash dividends to net income (ytd only)* | 11.3164% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 3,452 |
| Loan loss allowance to noncurrent loans | 133.2657% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 2.2075% | 663 |
| Noncurrent loans to loans | 0.8740% | 2,506 |
| Net loans and leases to total assets | 57.3196% | 4,165 |
| Net loans and leases to deposits | 67.3916% | 4,212 |
| Net loans and leases to core deposits | 70.5255% | 4,284 |
| Total domestic deposits to total assets | 85.0545% | 2,781 |
| Equity capital to assets | 10.5984% | 3,456 |
| Core capital (leverage) ratio | 9.8923% | 3,705 |
| Tier 1 risk-based capital ratio | 15.1103% | 2,993 |
| Total risk-based capital ratio | 16.1771% | 3,012 |
| Memoranda: | ||
| Average total assets | $93,450,750 | 4,518 |
| Average earning assets | $84,017,500 | 4,554 |
| Average equity | $9,782,750 | 4,657 |
| Average total loans | $48,516,750 | 4,657 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 1,358 |
| Cost of funding earning assets | 0.4013% | 3,030 |
| Net interest margin | 4.1580% | 1,208 |
| Noninterest income to average assets | 1.1152% | 902 |
| Noninterest expense to average assets | 3.6168% | 986 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2302% | 1,502 |
| Return on assets (ROA) | 1.2649% | 1,493 |
| Pretax return on assets | 1.2649% | 2,541 |
| Return on Equity (ROE) | 12.1361% | 1,264 |
| Retained earnings to average equity (ytd only) | 9.9712% | 606 |
| Net charge-offs to loans | 0.1743% | 1,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.1750% | 2,071 |
| Efficiency ratio | 74.6195% | 2,272 |
| Assets per employee ($millions) | 2.8608% | 5,567 |
| Cash dividends to net income (ytd only)* | 17.8388% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 2,001 |
| Loan loss allowance to noncurrent loans | 101.4749% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.5649% | 524 |
| Noncurrent loans to loans | 1.4442% | 1,536 |
| Net loans and leases to total assets | 50.5314% | 4,806 |
| Net loans and leases to deposits | 56.8523% | 4,958 |
| Net loans and leases to core deposits | 59.5369% | 5,000 |
| Total domestic deposits to total assets | 88.8820% | 968 |
| Equity capital to assets | 10.8963% | 3,168 |
| Core capital (leverage) ratio | 9.5259% | 4,171 |
| Tier 1 risk-based capital ratio | 16.6370% | 2,378 |
| Total risk-based capital ratio | 17.8918% | 2,324 |
| Memoranda: | ||
| Average total assets | $92,181,000 | 4,575 |
| Average earning assets | $82,733,000 | 4,609 |
| Average equity | $9,607,670 | 4,723 |
| Average total loans | $45,887,000 | 4,775 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,554 |
| Cost of funding earning assets | 0.3784% | 3,312 |
| Net interest margin | 4.1055% | 1,329 |
| Noninterest income to average assets | 1.1719% | 802 |
| Noninterest expense to average assets | 3.6498% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2281% | 1,460 |
| Return on assets (ROA) | 1.2973% | 1,344 |
| Pretax return on assets | 1.2973% | 2,311 |
| Return on Equity (ROE) | 12.7334% | 1,095 |
| Retained earnings to average equity (ytd only) | 8.3192% | 1,337 |
| Net charge-offs to loans | 0.2646% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.4667% | 1,987 |
| Efficiency ratio | 74.8227% | 2,349 |
| Assets per employee ($millions) | 2.9779% | 5,530 |
| Cash dividends to net income (ytd only)* | 34.6667% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 1,949 |
| Loan loss allowance to noncurrent loans | 116.1398% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 2.5532% | 570 |
| Noncurrent loans to loans | 1.2986% | 1,857 |
| Net loans and leases to total assets | 47.8325% | 4,978 |
| Net loans and leases to deposits | 53.2993% | 5,145 |
| Net loans and leases to core deposits | 58.7710% | 5,009 |
| Total domestic deposits to total assets | 89.7432% | 711 |
| Equity capital to assets | 10.0742% | 3,982 |
| Core capital (leverage) ratio | 9.2142% | 4,583 |
| Tier 1 risk-based capital ratio | 16.4189% | 2,511 |
| Total risk-based capital ratio | 17.6749% | 2,461 |
| Memoranda: | ||
| Average total assets | $92,499,000 | 4,608 |
| Average earning assets | $83,498,500 | 4,632 |
| Average equity | $9,424,000 | 4,773 |
| Average total loans | $45,357,000 | 4,821 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 1,187 |
| Cost of funding earning assets | 0.4034% | 3,117 |
| Net interest margin | 4.2604% | 1,040 |
| Noninterest income to average assets | 0.6210% | 2,611 |
| Noninterest expense to average assets | 3.8913% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4217% | 4,983 |
| Return on assets (ROA) | 0.4310% | 5,027 |
| Pretax return on assets | 0.5665% | 4,942 |
| Return on Equity (ROE) | 4.2281% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.1275% | 3,832 |
| Net charge-offs to loans | -0.1032% | 5,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5312% | 865 |
| Assets per employee ($millions) | 2.8033% | 5,704 |
| Cash dividends to net income (ytd only)* | 26.0309% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 1,499 |
| Loan loss allowance to noncurrent loans | 106.9016% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 3.0355% | 429 |
| Noncurrent loans to loans | 1.5326% | 1,515 |
| Net loans and leases to total assets | 48.7230% | 4,963 |
| Net loans and leases to deposits | 54.4642% | 5,133 |
| Net loans and leases to core deposits | 57.2516% | 5,144 |
| Total domestic deposits to total assets | 89.4588% | 881 |
| Equity capital to assets | 10.3093% | 3,613 |
| Core capital (leverage) ratio | 9.5843% | 4,065 |
| Tier 1 risk-based capital ratio | 16.5132% | 2,473 |
| Total risk-based capital ratio | 17.7731% | 2,424 |
| Memoranda: | ||
| Average total assets | $90,021,000 | 4,675 |
| Average earning assets | $80,813,400 | 4,695 |
| Average equity | $9,176,800 | 4,807 |
| Average total loans | $45,543,600 | 4,813 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 1,113 |
| Cost of funding earning assets | 0.4077% | 3,146 |
| Net interest margin | 4.2835% | 992 |
| Noninterest income to average assets | 0.5919% | 2,791 |
| Noninterest expense to average assets | 3.9170% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5150% | 4,736 |
| Return on assets (ROA) | 0.5312% | 4,772 |
| Pretax return on assets | 0.5312% | 5,146 |
| Return on Equity (ROE) | 5.2260% | 4,518 |
| Retained earnings to average equity (ytd only) | 3.7558% | 3,799 |
| Net charge-offs to loans | -0.1280% | 5,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3806% | 807 |
| Assets per employee ($millions) | 2.8184% | 5,741 |
| Cash dividends to net income (ytd only)* | 28.1333% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 1,401 |
| Loan loss allowance to noncurrent loans | 133.2721% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 2.7464% | 584 |
| Noncurrent loans to loans | 1.2988% | 1,968 |
| Net loans and leases to total assets | 45.6381% | 5,256 |
| Net loans and leases to deposits | 51.0765% | 5,417 |
| Net loans and leases to core deposits | 53.4302% | 5,436 |
| Total domestic deposits to total assets | 89.3525% | 837 |
| Equity capital to assets | 10.3847% | 3,724 |
| Core capital (leverage) ratio | 9.2726% | 4,625 |
| Tier 1 risk-based capital ratio | 17.5146% | 2,182 |
| Total risk-based capital ratio | 18.7771% | 2,137 |
| Memoranda: | ||
| Average total assets | $90,100,000 | 4,723 |
| Average earning assets | $80,773,000 | 4,756 |
| Average equity | $9,159,000 | 4,874 |
| Average total loans | $45,820,750 | 4,850 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 1,066 |
| Cost of funding earning assets | 0.4067% | 3,203 |
| Net interest margin | 4.2928% | 933 |
| Noninterest income to average assets | 0.6195% | 2,630 |
| Noninterest expense to average assets | 3.9014% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5618% | 4,511 |
| Return on assets (ROA) | 0.5618% | 4,617 |
| Pretax return on assets | 0.5618% | 5,069 |
| Return on Equity (ROE) | 5.5666% | 4,339 |
| Retained earnings to average equity (ytd only) | 3.3443% | 3,917 |
| Net charge-offs to loans | -0.2588% | 6,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4129% | 950 |
| Assets per employee ($millions) | 2.7852% | 5,825 |
| Cash dividends to net income (ytd only)* | 39.9209% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 1,811 |
| Loan loss allowance to noncurrent loans | 114.4838% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 3.0372% | 550 |
| Noncurrent loans to loans | 1.4241% | 1,881 |
| Net loans and leases to total assets | 50.2979% | 4,906 |
| Net loans and leases to deposits | 56.2063% | 5,111 |
| Net loans and leases to core deposits | 58.6284% | 5,153 |
| Total domestic deposits to total assets | 89.4880% | 904 |
| Equity capital to assets | 10.2651% | 3,729 |
| Core capital (leverage) ratio | 8.8111% | 5,214 |
| Tier 1 risk-based capital ratio | 15.9046% | 2,901 |
| Total risk-based capital ratio | 17.1652% | 2,859 |
| Memoranda: | ||
| Average total assets | $90,070,000 | 4,766 |
| Average earning assets | $80,646,000 | 4,813 |
| Average equity | $9,090,000 | 4,926 |
| Average total loans | $47,132,330 | 4,847 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 941 |
| Cost of funding earning assets | 0.4047% | 3,252 |
| Net interest margin | 4.3477% | 800 |
| Noninterest income to average assets | 0.1811% | 5,633 |
| Noninterest expense to average assets | 3.9186% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1546% | 5,778 |
| Return on assets (ROA) | 0.1546% | 5,850 |
| Pretax return on assets | 0.1546% | 5,891 |
| Return on Equity (ROE) | 1.5452% | 5,792 |
| Retained earnings to average equity (ytd only) | -2.9137% | 5,786 |
| Net charge-offs to loans | -0.4508% | 6,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2039% | 494 |
| Assets per employee ($millions) | 2.9272% | 5,755 |
| Cash dividends to net income (ytd only)* | 288.5714% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 2,230 |
| Loan loss allowance to noncurrent loans | 85.8645% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 3.0949% | 593 |
| Noncurrent loans to loans | 1.8073% | 1,502 |
| Net loans and leases to total assets | 49.7806% | 4,875 |
| Net loans and leases to deposits | 55.2719% | 5,104 |
| Net loans and leases to core deposits | 57.5155% | 5,156 |
| Total domestic deposits to total assets | 90.0650% | 717 |
| Equity capital to assets | 9.7257% | 4,470 |
| Core capital (leverage) ratio | 8.8059% | 5,195 |
| Tier 1 risk-based capital ratio | 15.0675% | 3,397 |
| Total risk-based capital ratio | 16.3188% | 3,314 |
| Memoranda: | ||
| Average total assets | $90,541,500 | 4,798 |
| Average earning assets | $81,054,000 | 4,844 |
| Average equity | $9,060,500 | 4,973 |
| Average total loans | $47,912,500 | 4,852 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 892 |
| Cost of funding earning assets | 0.5070% | 2,599 |
| Net interest margin | 4.4120% | 869 |
| Noninterest income to average assets | 0.8122% | 1,821 |
| Noninterest expense to average assets | 3.9415% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5095% | 4,776 |
| Return on assets (ROA) | 0.5754% | 4,567 |
| Pretax return on assets | 0.8580% | 4,039 |
| Return on Equity (ROE) | 5.9444% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.8132% | 2,746 |
| Net charge-offs to loans | 0.0612% | 3,618 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 23.4483% | 1,584 |
| Efficiency ratio | 83.8403% | 1,428 |
| Assets per employee ($millions) | 2.7317% | 6,001 |
| Cash dividends to net income (ytd only)* | 19.0291% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 2,919 |
| Loan loss allowance to noncurrent loans | 176.6839% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 3.1951% | 603 |
| Noncurrent loans to loans | 0.7965% | 3,315 |
| Net loans and leases to total assets | 54.6583% | 4,495 |
| Net loans and leases to deposits | 61.9348% | 4,731 |
| Net loans and leases to core deposits | 64.6912% | 4,778 |
| Total domestic deposits to total assets | 88.2513% | 1,634 |
| Equity capital to assets | 10.3084% | 3,711 |
| Core capital (leverage) ratio | 9.7287% | 3,931 |
| Tier 1 risk-based capital ratio | 15.6388% | 3,164 |
| Total risk-based capital ratio | 16.8821% | 3,100 |
| Memoranda: | ||
| Average total assets | $89,509,200 | 4,847 |
| Average earning assets | $78,897,800 | 4,907 |
| Average equity | $8,663,600 | 5,050 |
| Average total loans | $47,350,600 | 4,907 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 917 |
| Cost of funding earning assets | 0.5286% | 2,479 |
| Net interest margin | 4.3784% | 912 |
| Noninterest income to average assets | 0.8160% | 1,832 |
| Noninterest expense to average assets | 3.9659% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7019% | 3,931 |
| Return on assets (ROA) | 0.7982% | 3,535 |
| Pretax return on assets | 0.7982% | 4,369 |
| Return on Equity (ROE) | 8.3790% | 2,999 |
| Retained earnings to average equity (ytd only) | 6.8556% | 1,902 |
| Net charge-offs to loans | 0.0340% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 39.4988% | 1,140 |
| Efficiency ratio | 84.9619% | 1,290 |
| Assets per employee ($millions) | 2.7858% | 5,984 |
| Cash dividends to net income (ytd only)* | 18.1813% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 2,905 |
| Loan loss allowance to noncurrent loans | 240.6897% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 3.4214% | 633 |
| Noncurrent loans to loans | 0.6059% | 4,114 |
| Net loans and leases to total assets | 52.9059% | 4,710 |
| Net loans and leases to deposits | 60.5547% | 4,893 |
| Net loans and leases to core deposits | 63.2195% | 4,947 |
| Total domestic deposits to total assets | 87.3689% | 2,110 |
| Equity capital to assets | 10.0600% | 4,093 |
| Core capital (leverage) ratio | 9.2515% | 4,704 |
| Tier 1 risk-based capital ratio | 14.8953% | 3,654 |
| Total risk-based capital ratio | 16.1467% | 3,583 |
| Memoranda: | ||
| Average total assets | $90,033,000 | 4,890 |
| Average earning assets | $79,204,750 | 4,958 |
| Average equity | $8,576,750 | 5,115 |
| Average total loans | $47,073,000 | 4,965 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 980 |
| Cost of funding earning assets | 0.5326% | 2,514 |
| Net interest margin | 4.3238% | 979 |
| Noninterest income to average assets | 0.6510% | 2,538 |
| Noninterest expense to average assets | 3.8482% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6133% | 4,291 |
| Return on assets (ROA) | 0.7085% | 3,886 |
| Pretax return on assets | 0.7085% | 4,610 |
| Return on Equity (ROE) | 7.5773% | 3,334 |
| Retained earnings to average equity (ytd only) | 5.2567% | 2,792 |
| Net charge-offs to loans | -0.0470% | 5,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2531% | 1,249 |
| Assets per employee ($millions) | 2.7895% | 6,042 |
| Cash dividends to net income (ytd only)* | 30.6250% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 2,751 |
| Loan loss allowance to noncurrent loans | 149.2754% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 4.0621% | 519 |
| Noncurrent loans to loans | 1.0265% | 3,180 |
| Net loans and leases to total assets | 51.9067% | 4,753 |
| Net loans and leases to deposits | 59.2029% | 4,931 |
| Net loans and leases to core deposits | 61.4754% | 5,012 |
| Total domestic deposits to total assets | 87.6759% | 2,101 |
| Equity capital to assets | 9.7968% | 4,360 |
| Core capital (leverage) ratio | 8.8457% | 5,232 |
| Tier 1 risk-based capital ratio | 14.6402% | 3,843 |
| Total risk-based capital ratio | 15.8909% | 3,792 |
| Memoranda: | ||
| Average total assets | $90,329,000 | 4,922 |
| Average earning assets | $79,606,670 | 4,993 |
| Average equity | $8,446,330 | 5,167 |
| Average total loans | $46,810,330 | 5,009 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 1,273 |
| Cost of funding earning assets | 0.5340% | 2,565 |
| Net interest margin | 4.1571% | 1,327 |
| Noninterest income to average assets | 0.4931% | 3,469 |
| Noninterest expense to average assets | 3.8432% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3170% | 5,435 |
| Return on assets (ROA) | 0.5063% | 4,742 |
| Pretax return on assets | 0.5063% | 5,154 |
| Return on Equity (ROE) | 5.5442% | 4,258 |
| Retained earnings to average equity (ytd only) | 0.8196% | 5,264 |
| Net charge-offs to loans | -0.0257% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3810% | 852 |
| Assets per employee ($millions) | 2.9278% | 5,945 |
| Cash dividends to net income (ytd only)* | 85.2174% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 2,970 |
| Loan loss allowance to noncurrent loans | 109.0214% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 3.9108% | 621 |
| Noncurrent loans to loans | 1.4128% | 2,667 |
| Net loans and leases to total assets | 48.6487% | 5,042 |
| Net loans and leases to deposits | 54.8378% | 5,208 |
| Net loans and leases to core deposits | 56.8133% | 5,290 |
| Total domestic deposits to total assets | 88.7138% | 1,825 |
| Equity capital to assets | 8.9177% | 5,207 |
| Core capital (leverage) ratio | 8.5492% | 5,586 |
| Tier 1 risk-based capital ratio | 14.6170% | 3,937 |
| Total risk-based capital ratio | 15.8686% | 3,886 |
| Memoranda: | ||
| Average total assets | $90,861,500 | 4,946 |
| Average earning assets | $80,152,500 | 5,021 |
| Average equity | $8,297,000 | 5,216 |
| Average total loans | $46,688,000 | 5,057 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 857 |
| Cost of funding earning assets | 0.5669% | 2,957 |
| Net interest margin | 4.4678% | 792 |
| Noninterest income to average assets | 1.0356% | 1,306 |
| Noninterest expense to average assets | 3.6719% | 1,331 |
| Loan and lease loss provision to assets | 0.8122% | 260 |
| Net operating income to assets | 0.3416% | 5,372 |
| Return on assets (ROA) | 0.3700% | 5,373 |
| Pretax return on assets | 0.5404% | 5,070 |
| Return on Equity (ROE) | 3.9184% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.9184% | 3,418 |
| Net charge-offs to loans | 2.2090% | 149 |
| Credit loss provision to net charge-offs | 67.9887% | 3,359 |
| Earnings coverage of net charge-offs (x) | 1.0973% | 4,707 |
| Efficiency ratio | 73.6926% | 3,181 |
| Assets per employee ($millions) | 2.6677% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 3,140 |
| Loan loss allowance to noncurrent loans | 24.3651% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 6.1307% | 308 |
| Noncurrent loans to loans | 6.1889% | 322 |
| Net loans and leases to total assets | 52.6780% | 4,764 |
| Net loans and leases to deposits | 59.7488% | 4,956 |
| Net loans and leases to core deposits | 61.8501% | 5,077 |
| Total domestic deposits to total assets | 88.1658% | 2,079 |
| Equity capital to assets | 9.3590% | 4,603 |
| Core capital (leverage) ratio | 8.9054% | 5,134 |
| Tier 1 risk-based capital ratio | 14.1892% | 4,164 |
| Total risk-based capital ratio | 15.4400% | 4,106 |
| Memoranda: | ||
| Average total assets | $88,646,200 | 5,011 |
| Average earning assets | $78,316,600 | 5,082 |
| Average equity | $8,370,800 | 5,248 |
| Average total loans | $47,940,400 | 5,026 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 835 |
| Cost of funding earning assets | 0.5688% | 3,089 |
| Net interest margin | 4.4906% | 751 |
| Noninterest income to average assets | 1.0886% | 1,236 |
| Noninterest expense to average assets | 3.5915% | 1,415 |
| Loan and lease loss provision to assets | 1.0811% | 143 |
| Net operating income to assets | 0.3904% | 5,282 |
| Return on assets (ROA) | 0.4459% | 5,182 |
| Pretax return on assets | 0.4429% | 5,514 |
| Return on Equity (ROE) | 4.7121% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.7121% | 3,295 |
| Net charge-offs to loans | 2.7245% | 101 |
| Credit loss provision to net charge-offs | 73.1707% | 2,997 |
| Earnings coverage of net charge-offs (x) | 0.9939% | 4,514 |
| Efficiency ratio | 70.9792% | 3,608 |
| Assets per employee ($millions) | 2.7249% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 2,856 |
| Loan loss allowance to noncurrent loans | 25.6368% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 6.3650% | 352 |
| Noncurrent loans to loans | 6.3872% | 366 |
| Net loans and leases to total assets | 54.0793% | 4,599 |
| Net loans and leases to deposits | 63.0777% | 4,620 |
| Net loans and leases to core deposits | 65.3823% | 4,765 |
| Total domestic deposits to total assets | 85.7344% | 3,383 |
| Equity capital to assets | 9.4190% | 4,648 |
| Core capital (leverage) ratio | 8.6574% | 5,591 |
| Tier 1 risk-based capital ratio | 14.0305% | 4,401 |
| Total risk-based capital ratio | 15.2834% | 4,358 |
| Memoranda: | ||
| Average total assets | $88,799,500 | 5,053 |
| Average earning assets | $78,532,000 | 5,118 |
| Average equity | $8,403,750 | 5,296 |
| Average total loans | $48,154,500 | 5,067 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 817 |
| Cost of funding earning assets | 0.5589% | 3,328 |
| Net interest margin | 4.5120% | 699 |
| Noninterest income to average assets | 1.1216% | 1,213 |
| Noninterest expense to average assets | 3.5574% | 1,486 |
| Loan and lease loss provision to assets | 1.4776% | 89 |
| Net operating income to assets | 0.0806% | 6,178 |
| Return on assets (ROA) | 0.0806% | 6,261 |
| Pretax return on assets | 0.0806% | 6,262 |
| Return on Equity (ROE) | 0.8503% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.8503% | 5,560 |
| Net charge-offs to loans | 3.4504% | 79 |
| Credit loss provision to net charge-offs | 79.3269% | 2,638 |
| Earnings coverage of net charge-offs (x) | 0.8365% | 4,249 |
| Efficiency ratio | 69.5405% | 3,919 |
| Assets per employee ($millions) | 2.7022% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 2,495 |
| Loan loss allowance to noncurrent loans | 26.9349% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 6.5547% | 380 |
| Noncurrent loans to loans | 6.6129% | 390 |
| Net loans and leases to total assets | 54.2323% | 4,557 |
| Net loans and leases to deposits | 62.6977% | 4,663 |
| Net loans and leases to core deposits | 67.6401% | 4,539 |
| Total domestic deposits to total assets | 86.4980% | 3,116 |
| Equity capital to assets | 9.1654% | 5,033 |
| Core capital (leverage) ratio | 8.2816% | 5,903 |
| Tier 1 risk-based capital ratio | 13.3095% | 4,910 |
| Total risk-based capital ratio | 14.5639% | 4,850 |
| Memoranda: | ||
| Average total assets | $89,334,000 | 5,070 |
| Average earning assets | $79,077,670 | 5,138 |
| Average equity | $8,467,330 | 5,320 |
| Average total loans | $48,226,000 | 5,092 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 694 |
| Cost of funding earning assets | 0.5461% | 3,608 |
| Net interest margin | 4.5913% | 568 |
| Noninterest income to average assets | 0.8097% | 2,089 |
| Noninterest expense to average assets | 3.6862% | 1,271 |
| Loan and lease loss provision to assets | 0.4026% | 767 |
| Net operating income to assets | 0.7829% | 3,261 |
| Return on assets (ROA) | 0.7829% | 3,397 |
| Pretax return on assets | 0.7829% | 4,239 |
| Return on Equity (ROE) | 8.1258% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.1258% | 1,701 |
| Net charge-offs to loans | 1.2070% | 481 |
| Credit loss provision to net charge-offs | 62.5000% | 2,403 |
| Earnings coverage of net charge-offs (x) | 1.8403% | 3,226 |
| Efficiency ratio | 75.6657% | 2,981 |
| Assets per employee ($millions) | 2.7790% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0834% | 1,834 |
| Loan loss allowance to noncurrent loans | 34.3815% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 6.3103% | 491 |
| Noncurrent loans to loans | 6.0596% | 545 |
| Net loans and leases to total assets | 50.9928% | 4,843 |
| Net loans and leases to deposits | 57.9056% | 5,045 |
| Net loans and leases to core deposits | 62.2673% | 4,932 |
| Total domestic deposits to total assets | 88.0620% | 2,274 |
| Equity capital to assets | 9.4944% | 4,856 |
| Core capital (leverage) ratio | 8.7659% | 5,239 |
| Tier 1 risk-based capital ratio | 14.7028% | 4,036 |
| Total risk-based capital ratio | 15.9602% | 3,997 |
| Memoranda: | ||
| Average total assets | $89,415,000 | 5,113 |
| Average earning assets | $79,106,000 | 5,183 |
| Average equity | $8,614,500 | 5,326 |
| Average total loans | $47,720,500 | 5,142 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 1,245 |
| Cost of funding earning assets | 0.7426% | 3,136 |
| Net interest margin | 4.3862% | 1,189 |
| Noninterest income to average assets | 0.7349% | 2,563 |
| Noninterest expense to average assets | 3.7481% | 1,331 |
| Loan and lease loss provision to assets | 0.3624% | 1,831 |
| Net operating income to assets | 0.3733% | 5,211 |
| Return on assets (ROA) | 0.4606% | 5,087 |
| Pretax return on assets | 0.6055% | 4,978 |
| Return on Equity (ROE) | 5.0500% | 4,656 |
| Retained earnings to average equity (ytd only) | 5.0500% | 2,671 |
| Net charge-offs to loans | 1.0244% | 1,054 |
| Credit loss provision to net charge-offs | 65.3924% | 4,304 |
| Earnings coverage of net charge-offs (x) | 1.5392% | 4,673 |
| Efficiency ratio | 81.4590% | 1,951 |
| Assets per employee ($millions) | 2.7226% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2021% | 1,546 |
| Loan loss allowance to noncurrent loans | 26.4550% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 7.7764% | 375 |
| Noncurrent loans to loans | 8.3239% | 339 |
| Net loans and leases to total assets | 53.5243% | 4,685 |
| Net loans and leases to deposits | 61.0382% | 4,909 |
| Net loans and leases to core deposits | 63.5305% | 5,010 |
| Total domestic deposits to total assets | 87.6898% | 2,419 |
| Equity capital to assets | 9.7816% | 4,480 |
| Core capital (leverage) ratio | 8.8099% | 5,164 |
| Tier 1 risk-based capital ratio | 14.7935% | 3,836 |
| Total risk-based capital ratio | 16.0717% | 3,776 |
| Memoranda: | ||
| Average total assets | $89,671,800 | 5,093 |
| Average earning assets | $79,043,200 | 5,160 |
| Average equity | $8,178,200 | 5,448 |
| Average total loans | $48,518,200 | 5,158 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1451% | 1,314 |
| Cost of funding earning assets | 0.7755% | 3,148 |
| Net interest margin | 4.3697% | 1,285 |
| Noninterest income to average assets | 0.6969% | 2,728 |
| Noninterest expense to average assets | 3.8179% | 1,175 |
| Loan and lease loss provision to assets | 0.7899% | 603 |
| Net operating income to assets | -0.0664% | 6,361 |
| Return on assets (ROA) | -0.0664% | 6,475 |
| Pretax return on assets | -0.0591% | 6,450 |
| Return on Equity (ROE) | -0.7415% | 6,478 |
| Retained earnings to average equity (ytd only) | -0.7415% | 6,227 |
| Net charge-offs to loans | 1.1711% | 853 |
| Credit loss provision to net charge-offs | 125.0000% | 2,306 |
| Earnings coverage of net charge-offs (x) | 1.1565% | 4,723 |
| Efficiency ratio | 83.9338% | 1,594 |
| Assets per employee ($millions) | 2.7380% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7400% | 945 |
| Loan loss allowance to noncurrent loans | 29.7315% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 8.0202% | 383 |
| Noncurrent loans to loans | 9.2159% | 294 |
| Net loans and leases to total assets | 53.8418% | 4,773 |
| Net loans and leases to deposits | 61.0596% | 5,077 |
| Net loans and leases to core deposits | 63.5212% | 5,205 |
| Total domestic deposits to total assets | 88.1791% | 1,939 |
| Equity capital to assets | 9.2472% | 5,537 |
| Core capital (leverage) ratio | 8.3634% | 5,931 |
| Tier 1 risk-based capital ratio | 13.0682% | 5,194 |
| Total risk-based capital ratio | 14.3317% | 5,140 |
| Memoranda: | ||
| Average total assets | $90,309,000 | 5,130 |
| Average earning assets | $79,607,250 | 5,193 |
| Average equity | $8,092,250 | 5,533 |
| Average total loans | $48,727,250 | 5,211 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1893% | 1,286 |
| Cost of funding earning assets | 0.8156% | 3,073 |
| Net interest margin | 4.3737% | 1,271 |
| Noninterest income to average assets | 0.7368% | 2,487 |
| Noninterest expense to average assets | 3.8681% | 1,120 |
| Loan and lease loss provision to assets | 0.2741% | 2,393 |
| Net operating income to assets | 0.4430% | 5,065 |
| Return on assets (ROA) | 0.4430% | 5,294 |
| Pretax return on assets | 0.4517% | 5,573 |
| Return on Equity (ROE) | 4.9944% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.9944% | 3,284 |
| Net charge-offs to loans | 1.3934% | 734 |
| Credit loss provision to net charge-offs | 36.7647% | 4,325 |
| Earnings coverage of net charge-offs (x) | 0.9735% | 4,545 |
| Efficiency ratio | 84.2005% | 1,607 |
| Assets per employee ($millions) | 2.8025% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 2,150 |
| Loan loss allowance to noncurrent loans | 45.7312% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 5.6122% | 783 |
| Noncurrent loans to loans | 4.4393% | 1,203 |
| Net loans and leases to total assets | 54.1871% | 4,767 |
| Net loans and leases to deposits | 61.3868% | 5,086 |
| Net loans and leases to core deposits | 63.8014% | 5,233 |
| Total domestic deposits to total assets | 88.2716% | 1,972 |
| Equity capital to assets | 9.2217% | 5,440 |
| Core capital (leverage) ratio | 8.2370% | 6,004 |
| Tier 1 risk-based capital ratio | 13.8927% | 4,532 |
| Total risk-based capital ratio | 15.1611% | 4,490 |
| Memoranda: | ||
| Average total assets | $91,206,670 | 5,128 |
| Average earning assets | $80,435,330 | 5,193 |
| Average equity | $8,089,000 | 5,539 |
| Average total loans | $48,802,000 | 5,246 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 1,737 |
| Cost of funding earning assets | 0.8530% | 3,039 |
| Net interest margin | 4.1911% | 1,783 |
| Noninterest income to average assets | 0.7263% | 2,522 |
| Noninterest expense to average assets | 3.8491% | 1,136 |
| Loan and lease loss provision to assets | 0.0870% | 4,292 |
| Net operating income to assets | 0.4697% | 4,962 |
| Return on assets (ROA) | 0.4697% | 5,153 |
| Pretax return on assets | 0.4871% | 5,472 |
| Return on Equity (ROE) | 5.4010% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.4010% | 3,313 |
| Net charge-offs to loans | 0.4793% | 1,892 |
| Credit loss provision to net charge-offs | 34.4828% | 3,546 |
| Earnings coverage of net charge-offs (x) | 2.2759% | 3,258 |
| Efficiency ratio | 87.0206% | 1,376 |
| Assets per employee ($millions) | 2.7169% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,406 |
| Loan loss allowance to noncurrent loans | 79.5165% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 5.1248% | 1,000 |
| Noncurrent loans to loans | 3.0994% | 2,070 |
| Net loans and leases to total assets | 50.7253% | 5,198 |
| Net loans and leases to deposits | 57.0724% | 5,479 |
| Net loans and leases to core deposits | 59.2294% | 5,607 |
| Total domestic deposits to total assets | 88.8789% | 1,774 |
| Equity capital to assets | 8.6918% | 5,881 |
| Core capital (leverage) ratio | 7.6992% | 6,488 |
| Tier 1 risk-based capital ratio | 13.5564% | 4,790 |
| Total risk-based capital ratio | 14.8294% | 4,758 |
| Memoranda: | ||
| Average total assets | $91,970,000 | 5,152 |
| Average earning assets | $81,123,500 | 5,218 |
| Average equity | $7,998,500 | 5,597 |
| Average total loans | $48,402,000 | 5,292 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4581% | 1,269 |
| Cost of funding earning assets | 1.0765% | 2,830 |
| Net interest margin | 4.3816% | 1,442 |
| Noninterest income to average assets | 0.5972% | 3,183 |
| Noninterest expense to average assets | 3.7785% | 1,385 |
| Loan and lease loss provision to assets | 0.5075% | 2,069 |
| Net operating income to assets | 0.1631% | 5,697 |
| Return on assets (ROA) | 0.3175% | 5,346 |
| Pretax return on assets | 0.2894% | 5,589 |
| Return on Equity (ROE) | 3.9056% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.9056% | 3,435 |
| Net charge-offs to loans | 0.4536% | 3,170 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 2.5319% | 3,949 |
| Efficiency ratio | 85.4665% | 1,622 |
| Assets per employee ($millions) | 2.6931% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5060% | 1,308 |
| Loan loss allowance to noncurrent loans | 81.2500% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 5.2356% | 1,000 |
| Noncurrent loans to loans | 3.0843% | 2,096 |
| Net loans and leases to total assets | 51.9199% | 5,323 |
| Net loans and leases to deposits | 58.4336% | 5,656 |
| Net loans and leases to core deposits | 60.8128% | 5,768 |
| Total domestic deposits to total assets | 88.8528% | 1,634 |
| Equity capital to assets | 8.7019% | 5,897 |
| Core capital (leverage) ratio | 7.7469% | 6,500 |
| Tier 1 risk-based capital ratio | 13.4584% | 4,729 |
| Total risk-based capital ratio | 14.7215% | 4,682 |
| Memoranda: | ||
| Average total assets | $92,603,600 | 5,109 |
| Average earning assets | $80,815,200 | 5,202 |
| Average equity | $7,527,600 | 5,707 |
| Average total loans | $51,805,000 | 5,199 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 1,150 |
| Cost of funding earning assets | 1.1209% | 2,824 |
| Net interest margin | 4.4258% | 1,326 |
| Noninterest income to average assets | 0.5528% | 3,501 |
| Noninterest expense to average assets | 3.7588% | 1,383 |
| Loan and lease loss provision to assets | 0.3101% | 3,045 |
| Net operating income to assets | 0.3388% | 5,257 |
| Return on assets (ROA) | 0.5442% | 4,531 |
| Pretax return on assets | 0.5442% | 4,999 |
| Return on Equity (ROE) | 6.8125% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.8125% | 2,072 |
| Net charge-offs to loans | 0.2587% | 3,812 |
| Credit loss provision to net charge-offs | 211.7647% | 1,369 |
| Earnings coverage of net charge-offs (x) | 4.4313% | 3,072 |
| Efficiency ratio | 85.2769% | 1,602 |
| Assets per employee ($millions) | 2.6797% | 6,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 1,843 |
| Loan loss allowance to noncurrent loans | 66.3653% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 6.0279% | 886 |
| Noncurrent loans to loans | 3.3267% | 2,075 |
| Net loans and leases to total assets | 53.5265% | 5,236 |
| Net loans and leases to deposits | 60.4222% | 5,587 |
| Net loans and leases to core deposits | 63.1023% | 5,707 |
| Total domestic deposits to total assets | 88.5874% | 1,702 |
| Equity capital to assets | 8.8904% | 5,870 |
| Core capital (leverage) ratio | 7.8712% | 6,514 |
| Tier 1 risk-based capital ratio | 13.2300% | 4,925 |
| Total risk-based capital ratio | 14.5011% | 4,885 |
| Memoranda: | ||
| Average total assets | $92,863,000 | 5,142 |
| Average earning assets | $80,888,000 | 5,247 |
| Average equity | $7,417,500 | 5,776 |
| Average total loans | $52,565,500 | 5,211 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 1,125 |
| Cost of funding earning assets | 1.1647% | 2,810 |
| Net interest margin | 4.4061% | 1,351 |
| Noninterest income to average assets | 0.6142% | 3,044 |
| Noninterest expense to average assets | 3.7625% | 1,417 |
| Loan and lease loss provision to assets | 0.3339% | 2,778 |
| Net operating income to assets | 0.3638% | 5,111 |
| Return on assets (ROA) | 0.3681% | 5,233 |
| Pretax return on assets | 0.3681% | 5,491 |
| Return on Equity (ROE) | 4.7844% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.7844% | 3,137 |
| Net charge-offs to loans | 0.1870% | 4,038 |
| Credit loss provision to net charge-offs | 312.0000% | 975 |
| Earnings coverage of net charge-offs (x) | 6.5200% | 2,385 |
| Efficiency ratio | 84.3570% | 1,774 |
| Assets per employee ($millions) | 2.8016% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1119% | 2,101 |
| Loan loss allowance to noncurrent loans | 77.8332% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 5.7477% | 1,004 |
| Noncurrent loans to loans | 2.7134% | 2,680 |
| Net loans and leases to total assets | 53.1347% | 5,409 |
| Net loans and leases to deposits | 60.7757% | 5,641 |
| Net loans and leases to core deposits | 63.3784% | 5,788 |
| Total domestic deposits to total assets | 87.4276% | 2,504 |
| Equity capital to assets | 8.0425% | 6,650 |
| Core capital (leverage) ratio | 7.1583% | 6,938 |
| Tier 1 risk-based capital ratio | 12.2329% | 5,578 |
| Total risk-based capital ratio | 13.5025% | 5,551 |
| Memoranda: | ||
| Average total assets | $93,447,330 | 5,155 |
| Average earning assets | $81,569,000 | 5,281 |
| Average equity | $7,190,000 | 5,869 |
| Average total loans | $53,464,330 | 5,230 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5936% | 1,069 |
| Cost of funding earning assets | 1.1909% | 2,881 |
| Net interest margin | 4.4028% | 1,269 |
| Noninterest income to average assets | 0.5273% | 3,672 |
| Noninterest expense to average assets | 3.8469% | 1,256 |
| Loan and lease loss provision to assets | 0.4149% | 2,116 |
| Net operating income to assets | 0.1167% | 6,049 |
| Return on assets (ROA) | 0.1253% | 6,082 |
| Pretax return on assets | 0.1253% | 6,119 |
| Return on Equity (ROE) | 1.6680% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.6680% | 5,121 |
| Net charge-offs to loans | 0.2723% | 2,982 |
| Credit loss provision to net charge-offs | 259.4595% | 1,209 |
| Earnings coverage of net charge-offs (x) | 3.3243% | 2,778 |
| Efficiency ratio | 87.8578% | 1,531 |
| Assets per employee ($millions) | 2.8232% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9873% | 2,453 |
| Loan loss allowance to noncurrent loans | 70.1342% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 5.4476% | 1,117 |
| Noncurrent loans to loans | 2.8335% | 2,665 |
| Net loans and leases to total assets | 53.6942% | 5,351 |
| Net loans and leases to deposits | 61.0064% | 5,618 |
| Net loans and leases to core deposits | 64.9798% | 5,625 |
| Total domestic deposits to total assets | 88.0141% | 2,365 |
| Equity capital to assets | 7.5311% | 6,855 |
| Core capital (leverage) ratio | 7.0848% | 6,964 |
| Tier 1 risk-based capital ratio | 11.3887% | 6,186 |
| Total risk-based capital ratio | 12.6563% | 6,162 |
| Memoranda: | ||
| Average total assets | $92,543,000 | 5,218 |
| Average earning assets | $80,949,000 | 5,326 |
| Average equity | $6,954,500 | 5,942 |
| Average total loans | $54,343,500 | 5,240 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0908% | 714 |
| Cost of funding earning assets | 1.3423% | 3,633 |
| Net interest margin | 4.7484% | 734 |
| Noninterest income to average assets | 0.7180% | 2,731 |
| Noninterest expense to average assets | 4.3724% | 749 |
| Loan and lease loss provision to assets | 0.8555% | 1,910 |
| Net operating income to assets | -0.0269% | 5,888 |
| Return on assets (ROA) | 0.1659% | 5,545 |
| Pretax return on assets | -0.0360% | 5,935 |
| Return on Equity (ROE) | 2.2519% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.2519% | 4,306 |
| Net charge-offs to loans | 1.9261% | 1,068 |
| Credit loss provision to net charge-offs | 67.5280% | 5,920 |
| Earnings coverage of net charge-offs (x) | 0.4091% | 5,699 |
| Efficiency ratio | 89.4021% | 1,368 |
| Assets per employee ($millions) | 2.5457% | 6,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 3,000 |
| Loan loss allowance to noncurrent loans | 34.3554% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 6.2583% | 922 |
| Noncurrent loans to loans | 5.1157% | 1,300 |
| Net loans and leases to total assets | 61.8600% | 4,318 |
| Net loans and leases to deposits | 70.5259% | 4,750 |
| Net loans and leases to core deposits | 74.5395% | 4,906 |
| Total domestic deposits to total assets | 87.7124% | 2,411 |
| Equity capital to assets | 7.4974% | 6,880 |
| Core capital (leverage) ratio | 6.5821% | 7,175 |
| Tier 1 risk-based capital ratio | 10.1641% | 6,899 |
| Total risk-based capital ratio | 11.4299% | 6,864 |
| Memoranda: | ||
| Average total assets | $91,642,800 | 5,234 |
| Average earning assets | $80,531,600 | 5,329 |
| Average equity | $6,749,800 | 6,123 |
| Average total loans | $60,275,800 | 5,061 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0552% | 836 |
| Cost of funding earning assets | 1.3564% | 3,857 |
| Net interest margin | 4.6989% | 846 |
| Noninterest income to average assets | 0.7744% | 2,358 |
| Noninterest expense to average assets | 4.4516% | 631 |
| Loan and lease loss provision to assets | 0.9420% | 1,595 |
| Net operating income to assets | -0.4898% | 6,582 |
| Return on assets (ROA) | -0.1112% | 6,285 |
| Pretax return on assets | -0.1112% | 6,233 |
| Return on Equity (ROE) | -1.5170% | 6,343 |
| Retained earnings to average equity (ytd only) | -1.5170% | 6,101 |
| Net charge-offs to loans | 1.6547% | 1,196 |
| Credit loss provision to net charge-offs | 85.6767% | 4,935 |
| Earnings coverage of net charge-offs (x) | 0.4113% | 5,609 |
| Efficiency ratio | 90.7778% | 1,225 |
| Assets per employee ($millions) | 2.0889% | 7,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1308% | 1,925 |
| Loan loss allowance to noncurrent loans | 32.2448% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 7.8043% | 655 |
| Noncurrent loans to loans | 6.6082% | 893 |
| Net loans and leases to total assets | 62.6661% | 4,392 |
| Net loans and leases to deposits | 72.1315% | 4,825 |
| Net loans and leases to core deposits | 75.3858% | 5,136 |
| Total domestic deposits to total assets | 86.8775% | 2,596 |
| Equity capital to assets | 7.5323% | 7,112 |
| Core capital (leverage) ratio | 6.5953% | 7,312 |
| Tier 1 risk-based capital ratio | 9.9608% | 7,087 |
| Total risk-based capital ratio | 11.2319% | 7,064 |
| Memoranda: | ||
| Average total assets | $92,279,000 | 5,281 |
| Average earning assets | $81,095,750 | 5,370 |
| Average equity | $6,767,250 | 6,192 |
| Average total loans | $61,319,250 | 5,086 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0624% | 822 |
| Cost of funding earning assets | 1.3669% | 4,078 |
| Net interest margin | 4.6955% | 818 |
| Noninterest income to average assets | 1.0173% | 1,331 |
| Noninterest expense to average assets | 4.5042% | 574 |
| Loan and lease loss provision to assets | 1.3420% | 1,010 |
| Net operating income to assets | -0.6948% | 6,806 |
| Return on assets (ROA) | -0.6948% | 6,818 |
| Pretax return on assets | -0.6948% | 6,720 |
| Return on Equity (ROE) | -9.5602% | 6,951 |
| Retained earnings to average equity (ytd only) | -9.5602% | 6,896 |
| Net charge-offs to loans | 2.1370% | 844 |
| Credit loss provision to net charge-offs | 93.3735% | 4,319 |
| Earnings coverage of net charge-offs (x) | 0.4503% | 5,267 |
| Efficiency ratio | 87.4370% | 1,565 |
| Assets per employee ($millions) | 2.1128% | 7,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2050% | 1,739 |
| Loan loss allowance to noncurrent loans | 29.1041% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 8.0461% | 607 |
| Noncurrent loans to loans | 7.5763% | 703 |
| Net loans and leases to total assets | 62.9265% | 4,484 |
| Net loans and leases to deposits | 72.3720% | 4,933 |
| Net loans and leases to core deposits | 74.4698% | 5,392 |
| Total domestic deposits to total assets | 86.9487% | 2,554 |
| Equity capital to assets | 7.0769% | 7,318 |
| Core capital (leverage) ratio | 6.1552% | 7,458 |
| Tier 1 risk-based capital ratio | 8.9971% | 7,417 |
| Total risk-based capital ratio | 10.2615% | 7,424 |
| Memoranda: | ||
| Average total assets | $92,401,670 | 5,299 |
| Average earning assets | $81,354,330 | 5,394 |
| Average equity | $6,715,330 | 6,231 |
| Average total loans | $62,142,000 | 5,099 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1866% | 659 |
| Cost of funding earning assets | 1.3786% | 4,313 |
| Net interest margin | 4.8080% | 633 |
| Noninterest income to average assets | 1.0378% | 1,183 |
| Noninterest expense to average assets | 4.5679% | 534 |
| Loan and lease loss provision to assets | 0.3908% | 3,027 |
| Net operating income to assets | 0.3343% | 5,147 |
| Return on assets (ROA) | 0.3343% | 5,270 |
| Pretax return on assets | 0.3343% | 5,510 |
| Return on Equity (ROE) | 4.5404% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.5404% | 3,429 |
| Net charge-offs to loans | 0.6635% | 2,163 |
| Credit loss provision to net charge-offs | 85.7143% | 3,752 |
| Earnings coverage of net charge-offs (x) | 1.5905% | 3,772 |
| Efficiency ratio | 86.3002% | 1,765 |
| Assets per employee ($millions) | 2.1653% | 7,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1652% | 1,823 |
| Loan loss allowance to noncurrent loans | 20.9057% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 8.5932% | 546 |
| Noncurrent loans to loans | 10.3571% | 401 |
| Net loans and leases to total assets | 65.4176% | 4,016 |
| Net loans and leases to deposits | 74.7873% | 4,626 |
| Net loans and leases to core deposits | 76.9306% | 5,145 |
| Total domestic deposits to total assets | 87.4715% | 2,371 |
| Equity capital to assets | 7.3603% | 7,175 |
| Core capital (leverage) ratio | 6.3956% | 7,500 |
| Tier 1 risk-based capital ratio | 9.2067% | 7,423 |
| Total risk-based capital ratio | 10.4630% | 7,425 |
| Memoranda: | ||
| Average total assets | $92,120,500 | 5,383 |
| Average earning assets | $81,531,500 | 5,454 |
| Average equity | $6,783,500 | 6,261 |
| Average total loans | $63,304,000 | 5,123 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0840% | 1,563 |
| Cost of funding earning assets | 1.9886% | 3,010 |
| Net interest margin | 4.0954% | 2,472 |
| Noninterest income to average assets | 0.9177% | 1,877 |
| Noninterest expense to average assets | 4.5637% | 749 |
| Loan and lease loss provision to assets | 0.8480% | 2,617 |
| Net operating income to assets | -0.4253% | 6,106 |
| Return on assets (ROA) | -0.2313% | 5,876 |
| Pretax return on assets | -0.5781% | 6,077 |
| Return on Equity (ROE) | -3.3373% | 6,033 |
| Retained earnings to average equity (ytd only) | -3.3373% | 5,759 |
| Net charge-offs to loans | 1.2351% | 2,001 |
| Credit loss provision to net charge-offs | 100.2463% | 5,500 |
| Earnings coverage of net charge-offs (x) | -0.0394% | 6,259 |
| Efficiency ratio | 100.7358% | 1,070 |
| Assets per employee ($millions) | 2.1194% | 7,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 1,796 |
| Loan loss allowance to noncurrent loans | 20.6109% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 9.0395% | 444 |
| Noncurrent loans to loans | 10.2765% | 389 |
| Net loans and leases to total assets | 69.1166% | 3,457 |
| Net loans and leases to deposits | 79.7175% | 4,044 |
| Net loans and leases to core deposits | 97.4534% | 4,289 |
| Total domestic deposits to total assets | 86.7019% | 2,654 |
| Equity capital to assets | 7.3673% | 7,147 |
| Core capital (leverage) ratio | 6.1159% | 7,606 |
| Tier 1 risk-based capital ratio | 8.6974% | 7,558 |
| Total risk-based capital ratio | 9.9575% | 7,587 |
| Memoranda: | ||
| Average total assets | $95,996,200 | 5,200 |
| Average earning assets | $84,681,000 | 5,307 |
| Average equity | $6,652,000 | 6,379 |
| Average total loans | $65,744,600 | 5,032 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1898% | 1,401 |
| Cost of funding earning assets | 2.0721% | 3,023 |
| Net interest margin | 4.1177% | 2,325 |
| Noninterest income to average assets | 1.0684% | 1,388 |
| Noninterest expense to average assets | 4.6125% | 654 |
| Loan and lease loss provision to assets | 0.9176% | 2,089 |
| Net operating income to assets | -0.8284% | 6,709 |
| Return on assets (ROA) | -0.4293% | 6,355 |
| Pretax return on assets | -0.4293% | 6,231 |
| Return on Equity (ROE) | -6.2883% | 6,584 |
| Retained earnings to average equity (ytd only) | -6.2883% | 6,421 |
| Net charge-offs to loans | 1.2992% | 1,574 |
| Credit loss provision to net charge-offs | 103.8820% | 4,896 |
| Earnings coverage of net charge-offs (x) | 0.1009% | 5,939 |
| Efficiency ratio | 98.1039% | 1,158 |
| Assets per employee ($millions) | 2.1773% | 7,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1091% | 1,587 |
| Loan loss allowance to noncurrent loans | 22.0350% | 6,978 |
| Noncurrent assets plus other real estate owned to assets | 8.2903% | 503 |
| Noncurrent loans to loans | 9.5715% | 430 |
| Net loans and leases to total assets | 67.1510% | 4,147 |
| Net loans and leases to deposits | 76.5059% | 4,960 |
| Net loans and leases to core deposits | 92.8819% | 5,146 |
| Total domestic deposits to total assets | 87.7723% | 1,764 |
| Equity capital to assets | 6.9562% | 7,615 |
| Core capital (leverage) ratio | 5.8621% | 7,823 |
| Tier 1 risk-based capital ratio | 8.4846% | 7,731 |
| Total risk-based capital ratio | 9.7367% | 7,757 |
| Memoranda: | ||
| Average total assets | $97,212,000 | 5,204 |
| Average earning assets | $85,773,000 | 5,307 |
| Average equity | $6,636,500 | 6,437 |
| Average total loans | $66,093,000 | 5,061 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1768% | 1,536 |
| Cost of funding earning assets | 2.1488% | 3,051 |
| Net interest margin | 4.0280% | 2,589 |
| Noninterest income to average assets | 1.0053% | 1,581 |
| Noninterest expense to average assets | 4.6989% | 643 |
| Loan and lease loss provision to assets | 0.6695% | 2,429 |
| Net operating income to assets | -0.8128% | 6,840 |
| Return on assets (ROA) | -0.5917% | 6,654 |
| Pretax return on assets | -0.5917% | 6,513 |
| Return on Equity (ROE) | -8.7215% | 6,947 |
| Retained earnings to average equity (ytd only) | -8.7215% | 6,741 |
| Net charge-offs to loans | 1.6461% | 1,149 |
| Credit loss provision to net charge-offs | 60.0000% | 5,589 |
| Earnings coverage of net charge-offs (x) | -0.1284% | 5,824 |
| Efficiency ratio | 103.1461% | 1,056 |
| Assets per employee ($millions) | 2.1599% | 7,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7591% | 2,150 |
| Loan loss allowance to noncurrent loans | 25.2040% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 6.4611% | 712 |
| Noncurrent loans to loans | 6.9793% | 702 |
| Net loans and leases to total assets | 65.6759% | 4,632 |
| Net loans and leases to deposits | 74.7377% | 5,348 |
| Net loans and leases to core deposits | 94.1491% | 5,098 |
| Total domestic deposits to total assets | 87.8751% | 1,827 |
| Equity capital to assets | 6.7101% | 7,748 |
| Core capital (leverage) ratio | 5.5913% | 7,974 |
| Tier 1 risk-based capital ratio | 8.1257% | 7,901 |
| Total risk-based capital ratio | 9.3764% | 7,922 |
| Memoranda: | ||
| Average total assets | $97,683,000 | 5,225 |
| Average earning assets | $86,096,330 | 5,330 |
| Average equity | $6,627,330 | 6,486 |
| Average total loans | $66,218,670 | 5,099 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2292% | 1,505 |
| Cost of funding earning assets | 2.2198% | 3,061 |
| Net interest margin | 4.0094% | 2,607 |
| Noninterest income to average assets | 0.9762% | 1,557 |
| Noninterest expense to average assets | 4.9425% | 504 |
| Loan and lease loss provision to assets | 0.8006% | 1,612 |
| Net operating income to assets | -1.2254% | 7,376 |
| Return on assets (ROA) | -1.2254% | 7,394 |
| Pretax return on assets | -1.2254% | 7,266 |
| Return on Equity (ROE) | -17.9641% | 7,708 |
| Retained earnings to average equity (ytd only) | -17.9641% | 7,582 |
| Net charge-offs to loans | 1.6158% | 898 |
| Credit loss provision to net charge-offs | 72.5926% | 4,306 |
| Earnings coverage of net charge-offs (x) | -0.3852% | 5,212 |
| Efficiency ratio | 109.4033% | 823 |
| Assets per employee ($millions) | 2.1866% | 7,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 1,490 |
| Loan loss allowance to noncurrent loans | 30.0538% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 5.8110% | 706 |
| Noncurrent loans to loans | 6.5399% | 669 |
| Net loans and leases to total assets | 65.1866% | 4,773 |
| Net loans and leases to deposits | 73.9972% | 5,477 |
| Net loans and leases to core deposits | 93.3668% | 5,222 |
| Total domestic deposits to total assets | 88.0934% | 1,705 |
| Equity capital to assets | 6.6352% | 7,830 |
| Core capital (leverage) ratio | 5.7478% | 8,044 |
| Tier 1 risk-based capital ratio | 8.5137% | 7,943 |
| Total risk-based capital ratio | 9.7673% | 7,981 |
| Memoranda: | ||
| Average total assets | $97,926,000 | 5,238 |
| Average earning assets | $86,496,000 | 5,334 |
| Average equity | $6,680,000 | 6,525 |
| Average total loans | $66,839,000 | 5,099 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2809% | 618 |
| Cost of funding earning assets | 2.8252% | 2,604 |
| Net interest margin | 4.4558% | 1,527 |
| Noninterest income to average assets | 0.9295% | 1,859 |
| Noninterest expense to average assets | 4.0994% | 1,284 |
| Loan and lease loss provision to assets | 0.8814% | 1,694 |
| Net operating income to assets | 0.1122% | 6,079 |
| Return on assets (ROA) | -2.3078% | 7,626 |
| Pretax return on assets | -3.8745% | 7,873 |
| Return on Equity (ROE) | -32.8580% | 7,999 |
| Retained earnings to average equity (ytd only) | -32.8580% | 7,956 |
| Net charge-offs to loans | 1.0492% | 1,170 |
| Credit loss provision to net charge-offs | 121.2963% | 4,422 |
| Earnings coverage of net charge-offs (x) | 1.0847% | 5,584 |
| Efficiency ratio | 83.8741% | 2,067 |
| Assets per employee ($millions) | 1.9491% | 7,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 1,237 |
| Loan loss allowance to noncurrent loans | 35.7124% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 5.1676% | 656 |
| Noncurrent loans to loans | 5.5840% | 716 |
| Net loans and leases to total assets | 68.6362% | 4,337 |
| Net loans and leases to deposits | 82.7904% | 4,608 |
| Net loans and leases to core deposits | 108.3399% | 3,929 |
| Total domestic deposits to total assets | 82.9036% | 3,811 |
| Equity capital to assets | 7.0095% | 7,733 |
| Core capital (leverage) ratio | 6.1524% | 8,034 |
| Tier 1 risk-based capital ratio | 8.8070% | 7,905 |
| Total risk-based capital ratio | 10.0651% | 7,947 |
| Memoranda: | ||
| Average total assets | $104,038,600 | 4,932 |
| Average earning assets | $92,419,600 | 5,016 |
| Average equity | $7,307,200 | 6,347 |
| Average total loans | $72,053,200 | 4,796 |