Home > The National Bank of Adams County of West Union > Performance and Condition Ratios
The National Bank of Adams County of West Union, 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 | 4.7992% | 2,475 |
| Cost of funding earning assets | 1.2072% | 2,781 |
| Net interest margin | 3.5920% | 1,981 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.7322% | 4,096 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.9617% | 493 |
| Return on assets (ROA) | 1.9617% | 469 |
| Pretax return on assets | 1.9617% | 710 |
| Return on Equity (ROE) | 20.0100% | 618 |
| Retained earnings to average equity (ytd only) | 6.1833% | 2,179 |
| Net charge-offs to loans | 0.0354% | 1,603 |
| Credit loss provision to net charge-offs | 175.0000% | 1,335 |
| Earnings coverage of net charge-offs (x) | 137.4375% | 753 |
| Efficiency ratio | 46.5743% | 4,174 |
| Assets per employee ($millions) | 7.3069% | 1,861 |
| Cash dividends to net income (ytd only)* | 69.0926% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 948 |
| Loan loss allowance to noncurrent loans | 44.5357% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4671% | 260 |
| Noncurrent loans to loans | 3.4734% | 114 |
| Net loans and leases to total assets | 40.9400% | 4,004 |
| Net loans and leases to deposits | 45.6409% | 4,062 |
| Net loans and leases to core deposits | 48.4071% | 4,111 |
| Total domestic deposits to total assets | 89.7000% | 843 |
| Equity capital to assets | 10.0289% | 1,989 |
| Core capital (leverage) ratio | 10.0261% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $110,668,800 | 3,738 |
| Average earning assets | $101,226,000 | 3,734 |
| Average equity | $10,851,800 | 3,636 |
| Average total loans | $45,232,200 | 3,910 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 2,456 |
| Cost of funding earning assets | 1.1635% | 2,550 |
| Net interest margin | 3.5437% | 2,124 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.6766% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9807% | 512 |
| Return on assets (ROA) | 1.9807% | 503 |
| Pretax return on assets | 1.9807% | 767 |
| Return on Equity (ROE) | 20.3100% | 694 |
| Retained earnings to average equity (ytd only) | 12.9179% | 827 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.8429% | 4,145 |
| Assets per employee ($millions) | 7.5679% | 1,588 |
| Cash dividends to net income (ytd only)* | 36.4078% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 1,004 |
| Loan loss allowance to noncurrent loans | 51.8325% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.2350% | 354 |
| Noncurrent loans to loans | 2.9791% | 140 |
| Net loans and leases to total assets | 38.9300% | 4,096 |
| Net loans and leases to deposits | 43.3797% | 4,123 |
| Net loans and leases to core deposits | 45.5531% | 4,141 |
| Total domestic deposits to total assets | 89.7300% | 1,010 |
| Equity capital to assets | 10.0152% | 1,826 |
| Core capital (leverage) ratio | 10.0234% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $110,935,250 | 3,747 |
| Average earning assets | $100,495,500 | 3,754 |
| Average equity | $10,816,750 | 3,638 |
| Average total loans | $45,146,500 | 3,922 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5023% | 2,638 |
| Cost of funding earning assets | 1.0665% | 2,393 |
| Net interest margin | 3.4358% | 2,430 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.6880% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9060% | 553 |
| Return on assets (ROA) | 1.9060% | 548 |
| Pretax return on assets | 1.9060% | 853 |
| Return on Equity (ROE) | 19.7300% | 739 |
| Retained earnings to average equity (ytd only) | 8.4457% | 1,830 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.9666% | 4,118 |
| Assets per employee ($millions) | 7.4442% | 1,632 |
| Cash dividends to net income (ytd only)* | 57.1973% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,173 |
| Loan loss allowance to noncurrent loans | 52.3019% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2090% | 334 |
| Noncurrent loans to loans | 2.8714% | 153 |
| Net loans and leases to total assets | 40.7000% | 4,019 |
| Net loans and leases to deposits | 45.3983% | 4,059 |
| Net loans and leases to core deposits | 47.7146% | 4,077 |
| Total domestic deposits to total assets | 89.6600% | 1,029 |
| Equity capital to assets | 9.6451% | 2,065 |
| Core capital (leverage) ratio | 9.7170% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $110,074,333 | 3,769 |
| Average earning assets | $100,704,333 | 3,768 |
| Average equity | $10,632,667 | 3,661 |
| Average total loans | $45,235,333 | 3,935 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 2,671 |
| Cost of funding earning assets | 0.9581% | 2,191 |
| Net interest margin | 3.3938% | 2,652 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.6435% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7789% | 700 |
| Return on assets (ROA) | 1.7789% | 695 |
| Pretax return on assets | 1.7789% | 1,112 |
| Return on Equity (ROE) | 18.4000% | 974 |
| Retained earnings to average equity (ytd only) | 18.4021% | 485 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.0214% | 4,080 |
| Assets per employee ($millions) | 6.9041% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,183 |
| Loan loss allowance to noncurrent loans | 67.0213% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 441 |
| Noncurrent loans to loans | 2.2757% | 219 |
| Net loans and leases to total assets | 40.5000% | 4,021 |
| Net loans and leases to deposits | 44.9584% | 4,073 |
| Net loans and leases to core deposits | 46.7920% | 4,087 |
| Total domestic deposits to total assets | 90.0900% | 1,128 |
| Equity capital to assets | 9.7832% | 1,943 |
| Core capital (leverage) ratio | 10.0316% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $109,280,000 | 3,829 |
| Average earning assets | $99,359,000 | 3,830 |
| Average equity | $10,564,000 | 3,716 |
| Average total loans | $44,781,000 | 3,985 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0889% | 4,007 |
| Cost of funding earning assets | 0.2613% | 3,235 |
| Net interest margin | 2.8276% | 3,834 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.6496% | 4,247 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2044% | 1,753 |
| Return on assets (ROA) | 1.2044% | 1,695 |
| Pretax return on assets | 1.2044% | 2,421 |
| Return on Equity (ROE) | 12.8100% | 1,870 |
| Retained earnings to average equity (ytd only) | 4.8825% | 3,101 |
| Net charge-offs to loans | 0.0843% | 821 |
| Credit loss provision to net charge-offs | 120.0000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 38.1429% | 1,536 |
| Efficiency ratio | 57.0187% | 3,466 |
| Assets per employee ($millions) | 6.7559% | 2,151 |
| Cash dividends to net income (ytd only)* | 61.8716% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 1,030 |
| Loan loss allowance to noncurrent loans | 62.7717% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 409 |
| Noncurrent loans to loans | 2.5019% | 189 |
| Net loans and leases to total assets | 40.1800% | 4,062 |
| Net loans and leases to deposits | 44.4659% | 4,098 |
| Net loans and leases to core deposits | 46.3152% | 4,111 |
| Total domestic deposits to total assets | 90.3600% | 1,218 |
| Equity capital to assets | 9.5481% | 1,972 |
| Core capital (leverage) ratio | 9.5578% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $107,356,400 | 3,857 |
| Average earning assets | $99,485,400 | 3,843 |
| Average equity | $10,097,200 | 3,860 |
| Average total loans | $41,536,600 | 4,037 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7529% | 4,242 |
| Cost of funding earning assets | 0.1859% | 3,444 |
| Net interest margin | 2.5670% | 4,140 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.6360% | 4,262 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9778% | 2,553 |
| Return on assets (ROA) | 0.9778% | 2,533 |
| Pretax return on assets | 0.9778% | 3,083 |
| Return on Equity (ROE) | 10.4400% | 2,597 |
| Retained earnings to average equity (ytd only) | 7.1171% | 2,324 |
| Net charge-offs to loans | 0.2315% | 296 |
| Credit loss provision to net charge-offs | 59.1549% | 1,494 |
| Earnings coverage of net charge-offs (x) | 11.6620% | 1,940 |
| Efficiency ratio | 61.3626% | 2,921 |
| Assets per employee ($millions) | 6.7933% | 2,098 |
| Cash dividends to net income (ytd only)* | 31.8066% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 1,213 |
| Loan loss allowance to noncurrent loans | 75.0857% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 602 |
| Noncurrent loans to loans | 2.0417% | 296 |
| Net loans and leases to total assets | 38.8300% | 4,111 |
| Net loans and leases to deposits | 42.9573% | 4,151 |
| Net loans and leases to core deposits | 44.7332% | 4,153 |
| Total domestic deposits to total assets | 90.3800% | 1,487 |
| Equity capital to assets | 9.5343% | 1,859 |
| Core capital (leverage) ratio | 9.4319% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $107,171,750 | 3,881 |
| Average earning assets | $99,672,750 | 3,866 |
| Average equity | $10,041,250 | 3,913 |
| Average total loans | $40,889,250 | 4,069 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4973% | 4,373 |
| Cost of funding earning assets | 0.1755% | 3,242 |
| Net interest margin | 2.3218% | 4,313 |
| Noninterest income to average assets | 0.2569% | 3,633 |
| Noninterest expense to average assets | 1.6519% | 4,208 |
| Loan and lease loss provision to assets | 0.0281% | 2,084 |
| Net operating income to assets | 0.7350% | 3,195 |
| Return on assets (ROA) | 0.7350% | 3,153 |
| Pretax return on assets | 0.7350% | 3,492 |
| Return on Equity (ROE) | 7.8921% | 3,048 |
| Retained earnings to average equity (ytd only) | 2.8589% | 3,488 |
| Net charge-offs to loans | 0.3529% | 199 |
| Credit loss provision to net charge-offs | 21.1268% | 1,601 |
| Earnings coverage of net charge-offs (x) | 5.7324% | 1,922 |
| Efficiency ratio | 68.4006% | 2,187 |
| Assets per employee ($millions) | 7.1863% | 1,817 |
| Cash dividends to net income (ytd only)* | 63.7755% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,330 |
| Loan loss allowance to noncurrent loans | 81.2903% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 515 |
| Noncurrent loans to loans | 1.8821% | 353 |
| Net loans and leases to total assets | 37.6153% | 4,186 |
| Net loans and leases to deposits | 41.5803% | 4,204 |
| Net loans and leases to core deposits | 43.3125% | 4,212 |
| Total domestic deposits to total assets | 90.4642% | 1,486 |
| Equity capital to assets | 9.2491% | 2,200 |
| Core capital (leverage) ratio | 9.1919% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,665,000 | 3,931 |
| Average earning assets | $99,146,667 | 3,921 |
| Average equity | $9,934,000 | 4,003 |
| Average total loans | $40,233,333 | 4,132 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3953% | 4,382 |
| Cost of funding earning assets | 0.1830% | 3,048 |
| Net interest margin | 2.2123% | 4,333 |
| Noninterest income to average assets | 0.2752% | 3,493 |
| Noninterest expense to average assets | 1.6588% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6673% | 3,169 |
| Return on assets (ROA) | 0.6673% | 3,155 |
| Pretax return on assets | 0.6673% | 3,481 |
| Return on Equity (ROE) | 7.1400% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.1400% | 1,845 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3128% | 2,069 |
| Assets per employee ($millions) | 7.1657% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 1,025 |
| Loan loss allowance to noncurrent loans | 91.7112% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 700 |
| Noncurrent loans to loans | 1.8725% | 403 |
| Net loans and leases to total assets | 36.5266% | 4,178 |
| Net loans and leases to deposits | 40.3094% | 4,232 |
| Net loans and leases to core deposits | 41.9908% | 4,237 |
| Total domestic deposits to total assets | 90.6155% | 1,237 |
| Equity capital to assets | 9.3073% | 2,433 |
| Core capital (leverage) ratio | 9.3286% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,100,500 | 3,956 |
| Average earning assets | $98,359,500 | 3,943 |
| Average equity | $9,916,000 | 4,064 |
| Average total loans | $39,761,500 | 4,161 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7329% | 4,279 |
| Cost of funding earning assets | 0.2341% | 3,089 |
| Net interest margin | 2.4988% | 4,190 |
| Noninterest income to average assets | 0.3196% | 3,494 |
| Noninterest expense to average assets | 1.6372% | 4,380 |
| Loan and lease loss provision to assets | 0.0156% | 2,766 |
| Net operating income to assets | 0.9346% | 2,924 |
| Return on assets (ROA) | 0.9346% | 2,989 |
| Pretax return on assets | 0.9346% | 3,408 |
| Return on Equity (ROE) | 9.8968% | 2,560 |
| Retained earnings to average equity (ytd only) | 3.7049% | 3,338 |
| Net charge-offs to loans | 0.1663% | 579 |
| Credit loss provision to net charge-offs | 24.2424% | 2,261 |
| Earnings coverage of net charge-offs (x) | 14.7727% | 2,023 |
| Efficiency ratio | 63.2768% | 2,671 |
| Assets per employee ($millions) | 6.5447% | 2,296 |
| Cash dividends to net income (ytd only)* | 62.5652% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 975 |
| Loan loss allowance to noncurrent loans | 76.6480% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9540% | 600 |
| Noncurrent loans to loans | 2.2615% | 319 |
| Net loans and leases to total assets | 37.1389% | 4,240 |
| Net loans and leases to deposits | 41.0362% | 4,305 |
| Net loans and leases to core deposits | 42.7974% | 4,309 |
| Total domestic deposits to total assets | 90.5028% | 715 |
| Equity capital to assets | 9.3855% | 3,241 |
| Core capital (leverage) ratio | 9.3686% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,614,000 | 3,965 |
| Average earning assets | $93,125,200 | 3,987 |
| Average equity | $9,690,000 | 4,168 |
| Average total loans | $39,676,600 | 4,197 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7990% | 4,300 |
| Cost of funding earning assets | 0.2437% | 3,177 |
| Net interest margin | 2.5553% | 4,198 |
| Noninterest income to average assets | 0.3226% | 3,496 |
| Noninterest expense to average assets | 1.6208% | 4,443 |
| Loan and lease loss provision to assets | 0.0206% | 2,581 |
| Net operating income to assets | 0.9952% | 2,932 |
| Return on assets (ROA) | 0.9952% | 3,002 |
| Pretax return on assets | 0.9952% | 3,476 |
| Return on Equity (ROE) | 10.5222% | 2,544 |
| Retained earnings to average equity (ytd only) | 7.0701% | 2,393 |
| Net charge-offs to loans | 0.2351% | 348 |
| Credit loss provision to net charge-offs | 22.8571% | 1,980 |
| Earnings coverage of net charge-offs (x) | 11.1143% | 2,013 |
| Efficiency ratio | 61.4661% | 2,773 |
| Assets per employee ($millions) | 7.3856% | 1,631 |
| Cash dividends to net income (ytd only)* | 32.8084% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 1,103 |
| Loan loss allowance to noncurrent loans | 69.3089% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.0522% | 615 |
| Noncurrent loans to loans | 2.4588% | 306 |
| Net loans and leases to total assets | 38.0449% | 4,295 |
| Net loans and leases to deposits | 42.1801% | 4,374 |
| Net loans and leases to core deposits | 43.2942% | 4,405 |
| Total domestic deposits to total assets | 90.1962% | 687 |
| Equity capital to assets | 9.6529% | 3,244 |
| Core capital (leverage) ratio | 9.6163% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,088,750 | 4,027 |
| Average earning assets | $92,458,500 | 4,038 |
| Average equity | $9,655,500 | 4,231 |
| Average total loans | $39,701,750 | 4,247 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6966% | 4,460 |
| Cost of funding earning assets | 0.2512% | 3,272 |
| Net interest margin | 2.4454% | 4,378 |
| Noninterest income to average assets | 0.1830% | 4,286 |
| Noninterest expense to average assets | 1.7235% | 4,326 |
| Loan and lease loss provision to assets | 0.0059% | 2,783 |
| Net operating income to assets | 0.6945% | 3,777 |
| Return on assets (ROA) | 0.6945% | 3,841 |
| Pretax return on assets | 0.6945% | 4,076 |
| Return on Equity (ROE) | 7.3950% | 3,555 |
| Retained earnings to average equity (ytd only) | 2.1577% | 4,080 |
| Net charge-offs to loans | 0.3485% | 246 |
| Credit loss provision to net charge-offs | 4.3478% | 1,788 |
| Earnings coverage of net charge-offs (x) | 5.1594% | 2,008 |
| Efficiency ratio | 71.1039% | 1,514 |
| Assets per employee ($millions) | 5.9687% | 2,649 |
| Cash dividends to net income (ytd only)* | 70.8215% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 1,032 |
| Loan loss allowance to noncurrent loans | 65.9449% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 652 |
| Noncurrent loans to loans | 2.5994% | 310 |
| Net loans and leases to total assets | 37.8602% | 4,387 |
| Net loans and leases to deposits | 42.0279% | 4,455 |
| Net loans and leases to core deposits | 43.1127% | 4,491 |
| Total domestic deposits to total assets | 90.0836% | 732 |
| Equity capital to assets | 9.4335% | 3,399 |
| Core capital (leverage) ratio | 9.2759% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,652,000 | 4,052 |
| Average earning assets | $93,155,333 | 4,056 |
| Average equity | $9,547,000 | 4,254 |
| Average total loans | $39,595,667 | 4,286 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6139% | 4,564 |
| Cost of funding earning assets | 0.2597% | 3,380 |
| Net interest margin | 2.3542% | 4,465 |
| Noninterest income to average assets | 0.1573% | 4,415 |
| Noninterest expense to average assets | 1.7809% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5150% | 4,146 |
| Return on assets (ROA) | 0.5150% | 4,182 |
| Pretax return on assets | 0.5150% | 4,315 |
| Return on Equity (ROE) | 5.4958% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.4958% | 3,065 |
| Net charge-offs to loans | 0.1104% | 633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 11.9091% | 1,434 |
| Efficiency ratio | 77.5685% | 988 |
| Assets per employee ($millions) | 6.1136% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 842 |
| Loan loss allowance to noncurrent loans | 68.3318% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 684 |
| Noncurrent loans to loans | 2.6639% | 332 |
| Net loans and leases to total assets | 37.6246% | 4,432 |
| Net loans and leases to deposits | 41.5253% | 4,513 |
| Net loans and leases to core deposits | 42.5650% | 4,546 |
| Total domestic deposits to total assets | 90.6064% | 538 |
| Equity capital to assets | 9.2368% | 3,462 |
| Core capital (leverage) ratio | 9.3678% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,744,000 | 4,052 |
| Average earning assets | $92,430,500 | 4,070 |
| Average equity | $9,534,500 | 4,266 |
| Average total loans | $39,850,500 | 4,306 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0957% | 4,573 |
| Cost of funding earning assets | 0.3701% | 3,767 |
| Net interest margin | 2.7256% | 4,349 |
| Noninterest income to average assets | 0.2132% | 4,210 |
| Noninterest expense to average assets | 1.8571% | 4,381 |
| Loan and lease loss provision to assets | 0.1507% | 2,487 |
| Net operating income to assets | 0.7342% | 3,320 |
| Return on assets (ROA) | 0.7342% | 3,442 |
| Pretax return on assets | 0.7342% | 3,804 |
| Return on Equity (ROE) | 7.0201% | 3,201 |
| Retained earnings to average equity (ytd only) | -3.2733% | 4,778 |
| Net charge-offs to loans | 0.0073% | 3,079 |
| Credit loss provision to net charge-offs | 4,666.6667% | 228 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 368 |
| Efficiency ratio | 67.7267% | 2,265 |
| Assets per employee ($millions) | 5.8562% | 2,493 |
| Cash dividends to net income (ytd only)* | 146.6276% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8459% | 792 |
| Loan loss allowance to noncurrent loans | 60.1307% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 691 |
| Noncurrent loans to loans | 3.0698% | 274 |
| Net loans and leases to total assets | 39.3105% | 4,467 |
| Net loans and leases to deposits | 43.5043% | 4,545 |
| Net loans and leases to core deposits | 44.3422% | 4,590 |
| Total domestic deposits to total assets | 90.3602% | 428 |
| Equity capital to assets | 9.5112% | 3,600 |
| Core capital (leverage) ratio | 9.6889% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,885,200 | 4,084 |
| Average earning assets | $86,184,000 | 4,072 |
| Average equity | $9,715,000 | 4,226 |
| Average total loans | $41,140,000 | 4,286 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2195% | 4,565 |
| Cost of funding earning assets | 0.3981% | 3,815 |
| Net interest margin | 2.8214% | 4,302 |
| Noninterest income to average assets | 0.1900% | 4,339 |
| Noninterest expense to average assets | 1.8768% | 4,369 |
| Loan and lease loss provision to assets | 0.2050% | 1,952 |
| Net operating income to assets | 0.7294% | 3,356 |
| Return on assets (ROA) | 0.7294% | 3,454 |
| Pretax return on assets | 0.7294% | 3,831 |
| Return on Equity (ROE) | 6.8053% | 3,270 |
| Retained earnings to average equity (ytd only) | -0.0136% | 4,485 |
| Net charge-offs to loans | -0.0064% | 4,112 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7707% | 2,353 |
| Assets per employee ($millions) | 5.7401% | 2,510 |
| Cash dividends to net income (ytd only)* | 100.2004% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 735 |
| Loan loss allowance to noncurrent loans | 50.5802% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.5013% | 568 |
| Noncurrent loans to loans | 3.5471% | 222 |
| Net loans and leases to total assets | 41.5650% | 4,514 |
| Net loans and leases to deposits | 46.2866% | 4,595 |
| Net loans and leases to core deposits | 47.2023% | 4,641 |
| Total domestic deposits to total assets | 89.7993% | 500 |
| Equity capital to assets | 10.0285% | 3,206 |
| Core capital (leverage) ratio | 10.1383% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,217,500 | 4,113 |
| Average earning assets | $84,730,750 | 4,104 |
| Average equity | $9,776,500 | 4,231 |
| Average total loans | $41,457,000 | 4,311 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4600% | 4,467 |
| Cost of funding earning assets | 0.4190% | 3,953 |
| Net interest margin | 3.0410% | 4,036 |
| Noninterest income to average assets | 0.1975% | 4,290 |
| Noninterest expense to average assets | 1.9238% | 4,375 |
| Loan and lease loss provision to assets | 0.3143% | 1,365 |
| Net operating income to assets | 0.7453% | 3,226 |
| Return on assets (ROA) | 0.7453% | 3,341 |
| Pretax return on assets | 0.7453% | 3,754 |
| Return on Equity (ROE) | 6.7940% | 3,209 |
| Retained earnings to average equity (ytd only) | -3.4379% | 4,688 |
| Net charge-offs to loans | -0.0096% | 4,200 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4846% | 2,748 |
| Assets per employee ($millions) | 6.0048% | 2,183 |
| Cash dividends to net income (ytd only)* | 150.6024% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 676 |
| Loan loss allowance to noncurrent loans | 48.4314% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6508% | 525 |
| Noncurrent loans to loans | 3.6908% | 203 |
| Net loans and leases to total assets | 42.3758% | 4,521 |
| Net loans and leases to deposits | 47.4339% | 4,611 |
| Net loans and leases to core deposits | 48.5366% | 4,651 |
| Total domestic deposits to total assets | 89.3366% | 632 |
| Equity capital to assets | 10.0119% | 3,193 |
| Core capital (leverage) ratio | 10.1845% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,096,000 | 4,144 |
| Average earning assets | $81,618,667 | 4,146 |
| Average equity | $9,773,333 | 4,243 |
| Average total loans | $41,509,000 | 4,324 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,266 |
| Cost of funding earning assets | 0.4424% | 4,187 |
| Net interest margin | 3.3330% | 3,506 |
| Noninterest income to average assets | 0.2336% | 4,151 |
| Noninterest expense to average assets | 2.0840% | 4,250 |
| Loan and lease loss provision to assets | 0.6542% | 406 |
| Net operating income to assets | 0.5934% | 3,613 |
| Return on assets (ROA) | 0.5934% | 3,668 |
| Pretax return on assets | 0.5934% | 3,931 |
| Return on Equity (ROE) | 5.1571% | 3,580 |
| Retained earnings to average equity (ytd only) | 5.1571% | 2,209 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5526% | 3,429 |
| Assets per employee ($millions) | 5.4080% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 724 |
| Loan loss allowance to noncurrent loans | 47.8008% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.8514% | 477 |
| Noncurrent loans to loans | 3.7413% | 229 |
| Net loans and leases to total assets | 46.9016% | 4,386 |
| Net loans and leases to deposits | 53.0629% | 4,486 |
| Net loans and leases to core deposits | 54.2691% | 4,562 |
| Total domestic deposits to total assets | 88.3887% | 935 |
| Equity capital to assets | 11.4576% | 2,479 |
| Core capital (leverage) ratio | 11.4351% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,606,000 | 4,193 |
| Average earning assets | $79,569,000 | 4,177 |
| Average equity | $9,850,500 | 4,259 |
| Average total loans | $41,536,500 | 4,337 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 3,905 |
| Cost of funding earning assets | 0.4244% | 4,362 |
| Net interest margin | 3.7388% | 2,699 |
| Noninterest income to average assets | 0.2702% | 4,059 |
| Noninterest expense to average assets | 2.0597% | 4,426 |
| Loan and lease loss provision to assets | 0.0252% | 3,507 |
| Net operating income to assets | 1.6237% | 792 |
| Return on assets (ROA) | 1.6237% | 848 |
| Pretax return on assets | 1.6237% | 1,418 |
| Return on Equity (ROE) | 13.9379% | 906 |
| Retained earnings to average equity (ytd only) | 3.6288% | 3,183 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5376% | 4,265 |
| Assets per employee ($millions) | 5.2928% | 2,257 |
| Cash dividends to net income (ytd only)* | 73.9645% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,412 |
| Loan loss allowance to noncurrent loans | 33.2040% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 2.2283% | 324 |
| Noncurrent loans to loans | 4.3209% | 141 |
| Net loans and leases to total assets | 48.5948% | 4,396 |
| Net loans and leases to deposits | 55.0396% | 4,500 |
| Net loans and leases to core deposits | 56.3201% | 4,569 |
| Total domestic deposits to total assets | 88.2906% | 984 |
| Equity capital to assets | 11.5571% | 2,481 |
| Core capital (leverage) ratio | 11.4769% | 2,125 |
| Tier 1 risk-based capital ratio | 25.6971% | 701 |
| Total risk-based capital ratio | 26.9522% | 683 |
| Memoranda: | ||
| Average total assets | $83,265,000 | 4,239 |
| Average earning assets | $76,576,000 | 4,238 |
| Average equity | $9,700,200 | 4,278 |
| Average total loans | $41,608,600 | 4,372 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 3,942 |
| Cost of funding earning assets | 0.4159% | 4,445 |
| Net interest margin | 3.7730% | 2,675 |
| Noninterest income to average assets | 0.2798% | 4,071 |
| Noninterest expense to average assets | 2.0680% | 4,415 |
| Loan and lease loss provision to assets | 0.0338% | 3,229 |
| Net operating income to assets | 1.6355% | 853 |
| Return on assets (ROA) | 1.6355% | 898 |
| Pretax return on assets | 1.6355% | 1,513 |
| Return on Equity (ROE) | 14.0101% | 982 |
| Retained earnings to average equity (ytd only) | 7.1222% | 1,803 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3356% | 4,236 |
| Assets per employee ($millions) | 5.1300% | 2,416 |
| Cash dividends to net income (ytd only)* | 49.1641% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,463 |
| Loan loss allowance to noncurrent loans | 35.4648% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 2.1589% | 378 |
| Noncurrent loans to loans | 4.0330% | 169 |
| Net loans and leases to total assets | 50.2924% | 4,413 |
| Net loans and leases to deposits | 57.3246% | 4,496 |
| Net loans and leases to core deposits | 58.7106% | 4,575 |
| Total domestic deposits to total assets | 87.7327% | 1,156 |
| Equity capital to assets | 12.1235% | 2,166 |
| Core capital (leverage) ratio | 11.9949% | 1,857 |
| Tier 1 risk-based capital ratio | 27.4488% | 611 |
| Total risk-based capital ratio | 28.7038% | 594 |
| Memoranda: | ||
| Average total assets | $82,910,250 | 4,296 |
| Average earning assets | $75,976,000 | 4,304 |
| Average equity | $9,678,500 | 4,329 |
| Average total loans | $41,573,000 | 4,429 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 4,119 |
| Cost of funding earning assets | 0.4031% | 4,493 |
| Net interest margin | 3.7139% | 2,893 |
| Noninterest income to average assets | 0.2693% | 4,136 |
| Noninterest expense to average assets | 2.0821% | 4,444 |
| Loan and lease loss provision to assets | 0.0096% | 3,554 |
| Net operating income to assets | 1.5892% | 932 |
| Return on assets (ROA) | 1.5892% | 975 |
| Pretax return on assets | 1.5892% | 1,579 |
| Return on Equity (ROE) | 13.7885% | 1,025 |
| Retained earnings to average equity (ytd only) | 3.3585% | 3,553 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5643% | 4,181 |
| Assets per employee ($millions) | 5.1651% | 2,290 |
| Cash dividends to net income (ytd only)* | 75.6430% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,549 |
| Loan loss allowance to noncurrent loans | 27.2600% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.6149% | 273 |
| Noncurrent loans to loans | 5.1904% | 96 |
| Net loans and leases to total assets | 49.0701% | 4,520 |
| Net loans and leases to deposits | 55.9755% | 4,593 |
| Net loans and leases to core deposits | 57.3206% | 4,666 |
| Total domestic deposits to total assets | 87.6635% | 1,262 |
| Equity capital to assets | 11.6117% | 2,513 |
| Core capital (leverage) ratio | 11.7217% | 2,006 |
| Tier 1 risk-based capital ratio | 26.1900% | 674 |
| Total risk-based capital ratio | 27.4454% | 662 |
| Memoranda: | ||
| Average total assets | $83,187,000 | 4,323 |
| Average earning assets | $76,415,000 | 4,321 |
| Average equity | $9,587,670 | 4,359 |
| Average total loans | $41,471,000 | 4,460 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 4,295 |
| Cost of funding earning assets | 0.3961% | 4,498 |
| Net interest margin | 3.6369% | 3,115 |
| Noninterest income to average assets | 0.2301% | 4,361 |
| Noninterest expense to average assets | 2.1663% | 4,340 |
| Loan and lease loss provision to assets | 0.0192% | 3,196 |
| Net operating income to assets | 1.4330% | 1,285 |
| Return on assets (ROA) | 1.4330% | 1,315 |
| Pretax return on assets | 1.4330% | 1,979 |
| Return on Equity (ROE) | 12.4798% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.4798% | 543 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8675% | 3,827 |
| Assets per employee ($millions) | 5.6554% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,697 |
| Loan loss allowance to noncurrent loans | 33.0494% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.1065% | 436 |
| Noncurrent loans to loans | 4.2209% | 167 |
| Net loans and leases to total assets | 48.4952% | 4,555 |
| Net loans and leases to deposits | 54.8622% | 4,648 |
| Net loans and leases to core deposits | 56.1349% | 4,710 |
| Total domestic deposits to total assets | 88.3946% | 1,134 |
| Equity capital to assets | 11.4734% | 2,423 |
| Core capital (leverage) ratio | 11.7879% | 1,918 |
| Tier 1 risk-based capital ratio | 26.1795% | 674 |
| Total risk-based capital ratio | 27.4329% | 657 |
| Memoranda: | ||
| Average total assets | $83,460,000 | 4,360 |
| Average earning assets | $77,759,000 | 4,343 |
| Average equity | $9,583,500 | 4,390 |
| Average total loans | $41,639,500 | 4,497 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 4,357 |
| Cost of funding earning assets | 0.3541% | 4,258 |
| Net interest margin | 3.5098% | 3,673 |
| Noninterest income to average assets | 0.2315% | 4,524 |
| Noninterest expense to average assets | 2.0482% | 4,661 |
| Loan and lease loss provision to assets | 0.1140% | 1,933 |
| Net operating income to assets | 1.3061% | 1,769 |
| Return on assets (ROA) | 1.3061% | 1,756 |
| Pretax return on assets | 1.3061% | 2,476 |
| Return on Equity (ROE) | 11.6451% | 1,846 |
| Retained earnings to average equity (ytd only) | 2.1173% | 4,310 |
| Net charge-offs to loans | 0.0490% | 2,454 |
| Credit loss provision to net charge-offs | 480.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 59.8000% | 1,024 |
| Efficiency ratio | 59.0551% | 4,005 |
| Assets per employee ($millions) | 5.4726% | 1,981 |
| Cash dividends to net income (ytd only)* | 81.8182% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 1,677 |
| Loan loss allowance to noncurrent loans | 32.5084% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 2.2658% | 372 |
| Noncurrent loans to loans | 4.2784% | 160 |
| Net loans and leases to total assets | 49.9214% | 4,527 |
| Net loans and leases to deposits | 56.4899% | 4,644 |
| Net loans and leases to core deposits | 57.8454% | 4,707 |
| Total domestic deposits to total assets | 88.3724% | 1,128 |
| Equity capital to assets | 11.4924% | 2,253 |
| Core capital (leverage) ratio | 11.6005% | 2,024 |
| Tier 1 risk-based capital ratio | 27.4635% | 594 |
| Total risk-based capital ratio | 28.7182% | 584 |
| Memoranda: | ||
| Average total assets | $84,220,400 | 4,354 |
| Average earning assets | $77,668,800 | 4,356 |
| Average equity | $9,446,000 | 4,388 |
| Average total loans | $40,831,800 | 4,527 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7931% | 4,454 |
| Cost of funding earning assets | 0.3498% | 4,183 |
| Net interest margin | 3.4433% | 3,880 |
| Noninterest income to average assets | 0.2265% | 4,617 |
| Noninterest expense to average assets | 1.9381% | 4,841 |
| Loan and lease loss provision to assets | 0.0724% | 2,511 |
| Net operating income to assets | 1.3749% | 1,576 |
| Return on assets (ROA) | 1.3749% | 1,580 |
| Pretax return on assets | 1.3749% | 2,326 |
| Return on Equity (ROE) | 12.3325% | 1,666 |
| Retained earnings to average equity (ytd only) | 6.6883% | 2,287 |
| Net charge-offs to loans | 0.0328% | 2,429 |
| Credit loss provision to net charge-offs | 460.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 92.0210% | 802 |
| Efficiency ratio | 57.2491% | 4,215 |
| Assets per employee ($millions) | 5.3805% | 2,036 |
| Cash dividends to net income (ytd only)* | 45.7668% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,009 |
| Loan loss allowance to noncurrent loans | 28.3009% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.6317% | 317 |
| Noncurrent loans to loans | 4.6575% | 155 |
| Net loans and leases to total assets | 49.9065% | 4,602 |
| Net loans and leases to deposits | 56.8136% | 4,709 |
| Net loans and leases to core deposits | 58.2094% | 4,777 |
| Total domestic deposits to total assets | 87.8424% | 1,316 |
| Equity capital to assets | 12.0299% | 1,892 |
| Core capital (leverage) ratio | 11.8917% | 1,846 |
| Tier 1 risk-based capital ratio | 29.0384% | 518 |
| Total risk-based capital ratio | 30.2916% | 510 |
| Memoranda: | ||
| Average total assets | $84,753,250 | 4,392 |
| Average earning assets | $77,753,750 | 4,401 |
| Average equity | $9,449,000 | 4,429 |
| Average total loans | $40,650,250 | 4,577 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,791 |
| Cost of funding earning assets | 0.3306% | 4,202 |
| Net interest margin | 3.2514% | 4,380 |
| Noninterest income to average assets | 0.2091% | 4,763 |
| Noninterest expense to average assets | 1.9419% | 4,900 |
| Loan and lease loss provision to assets | 0.0674% | 2,538 |
| Net operating income to assets | 1.2613% | 1,932 |
| Return on assets (ROA) | 1.2613% | 1,933 |
| Pretax return on assets | 1.2613% | 2,669 |
| Return on Equity (ROE) | 11.5997% | 1,875 |
| Retained earnings to average equity (ytd only) | 3.0548% | 4,029 |
| Net charge-offs to loans | 0.0493% | 1,904 |
| Credit loss provision to net charge-offs | 290.0000% | 1,025 |
| Earnings coverage of net charge-offs (x) | 57.2000% | 1,027 |
| Efficiency ratio | 59.3750% | 4,029 |
| Assets per employee ($millions) | 5.1743% | 2,222 |
| Cash dividends to net income (ytd only)* | 73.6648% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,289 |
| Loan loss allowance to noncurrent loans | 36.0861% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.0124% | 533 |
| Noncurrent loans to loans | 3.5393% | 273 |
| Net loans and leases to total assets | 48.5505% | 4,688 |
| Net loans and leases to deposits | 54.8222% | 4,812 |
| Net loans and leases to core deposits | 56.1235% | 4,866 |
| Total domestic deposits to total assets | 88.5599% | 1,117 |
| Equity capital to assets | 11.3265% | 2,339 |
| Core capital (leverage) ratio | 11.2592% | 2,294 |
| Tier 1 risk-based capital ratio | 27.9036% | 561 |
| Total risk-based capital ratio | 29.1564% | 555 |
| Memoranda: | ||
| Average total assets | $86,102,000 | 4,413 |
| Average earning assets | $81,073,670 | 4,382 |
| Average equity | $9,362,330 | 4,485 |
| Average total loans | $40,595,000 | 4,619 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 4,973 |
| Cost of funding earning assets | 0.3237% | 4,182 |
| Net interest margin | 3.1117% | 4,680 |
| Noninterest income to average assets | 0.2005% | 4,823 |
| Noninterest expense to average assets | 1.9462% | 4,946 |
| Loan and lease loss provision to assets | 0.0866% | 2,067 |
| Net operating income to assets | 1.1030% | 2,406 |
| Return on assets (ROA) | 1.1030% | 2,423 |
| Pretax return on assets | 1.1030% | 3,165 |
| Return on Equity (ROE) | 10.3474% | 2,253 |
| Retained earnings to average equity (ytd only) | 10.3474% | 1,055 |
| Net charge-offs to loans | 0.0789% | 1,340 |
| Credit loss provision to net charge-offs | 237.5000% | 943 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 1,194 |
| Efficiency ratio | 62.0640% | 3,767 |
| Assets per employee ($millions) | 5.3085% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,370 |
| Loan loss allowance to noncurrent loans | 33.7057% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.9314% | 606 |
| Noncurrent loans to loans | 3.7809% | 273 |
| Net loans and leases to total assets | 44.0379% | 4,894 |
| Net loans and leases to deposits | 49.2747% | 4,989 |
| Net loans and leases to core deposits | 50.8457% | 5,017 |
| Total domestic deposits to total assets | 89.3723% | 932 |
| Equity capital to assets | 10.5003% | 3,076 |
| Core capital (leverage) ratio | 10.8251% | 2,608 |
| Tier 1 risk-based capital ratio | 27.1596% | 607 |
| Total risk-based capital ratio | 28.4122% | 600 |
| Memoranda: | ||
| Average total assets | $87,759,000 | 4,435 |
| Average earning assets | $82,784,500 | 4,396 |
| Average equity | $9,355,000 | 4,528 |
| Average total loans | $40,535,500 | 4,677 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3043% | 5,077 |
| Cost of funding earning assets | 0.3505% | 3,716 |
| Net interest margin | 2.9538% | 4,971 |
| Noninterest income to average assets | 0.1787% | 5,063 |
| Noninterest expense to average assets | 1.9707% | 5,010 |
| Loan and lease loss provision to assets | 0.0584% | 3,065 |
| Net operating income to assets | 0.9357% | 2,514 |
| Return on assets (ROA) | 0.9357% | 2,555 |
| Pretax return on assets | 0.9357% | 3,790 |
| Return on Equity (ROE) | 8.7101% | 2,445 |
| Retained earnings to average equity (ytd only) | 1.9138% | 4,170 |
| Net charge-offs to loans | -0.0201% | 4,958 |
| Credit loss provision to net charge-offs | -625.0000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4697% | 3,176 |
| Assets per employee ($millions) | 5.0161% | 2,455 |
| Cash dividends to net income (ytd only)* | 78.0275% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,601 |
| Loan loss allowance to noncurrent loans | 28.7844% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.3044% | 430 |
| Noncurrent loans to loans | 4.2728% | 209 |
| Net loans and leases to total assets | 47.2764% | 4,812 |
| Net loans and leases to deposits | 53.0929% | 4,929 |
| Net loans and leases to core deposits | 55.1952% | 4,960 |
| Total domestic deposits to total assets | 89.0446% | 981 |
| Equity capital to assets | 10.8288% | 2,808 |
| Core capital (leverage) ratio | 10.8216% | 2,514 |
| Tier 1 risk-based capital ratio | 27.0609% | 594 |
| Total risk-based capital ratio | 28.3123% | 584 |
| Memoranda: | ||
| Average total assets | $85,605,000 | 4,492 |
| Average earning assets | $80,744,400 | 4,452 |
| Average equity | $9,196,200 | 4,580 |
| Average total loans | $39,892,800 | 4,736 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2382% | 5,186 |
| Cost of funding earning assets | 0.3499% | 3,665 |
| Net interest margin | 2.8883% | 5,102 |
| Noninterest income to average assets | 0.1572% | 5,232 |
| Noninterest expense to average assets | 1.9497% | 5,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9305% | 2,881 |
| Return on assets (ROA) | 0.9305% | 2,940 |
| Pretax return on assets | 0.9305% | 3,933 |
| Return on Equity (ROE) | 8.6789% | 2,775 |
| Retained earnings to average equity (ytd only) | 4.6878% | 3,087 |
| Net charge-offs to loans | -0.0269% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6931% | 2,929 |
| Assets per employee ($millions) | 5.0638% | 2,374 |
| Cash dividends to net income (ytd only)* | 45.9871% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,376 |
| Loan loss allowance to noncurrent loans | 25.9026% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 2.3222% | 494 |
| Noncurrent loans to loans | 4.3277% | 212 |
| Net loans and leases to total assets | 46.3152% | 4,921 |
| Net loans and leases to deposits | 52.0544% | 5,053 |
| Net loans and leases to core deposits | 53.8653% | 5,075 |
| Total domestic deposits to total assets | 88.9747% | 904 |
| Equity capital to assets | 10.8975% | 2,961 |
| Core capital (leverage) ratio | 10.7222% | 2,734 |
| Tier 1 risk-based capital ratio | 27.5766% | 585 |
| Total risk-based capital ratio | 28.8289% | 578 |
| Memoranda: | ||
| Average total assets | $85,688,000 | 4,536 |
| Average earning assets | $80,783,000 | 4,495 |
| Average equity | $9,186,750 | 4,634 |
| Average total loans | $39,662,000 | 4,791 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0991% | 5,346 |
| Cost of funding earning assets | 0.3441% | 3,642 |
| Net interest margin | 2.7550% | 5,304 |
| Noninterest income to average assets | 0.1239% | 5,429 |
| Noninterest expense to average assets | 2.0127% | 4,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7130% | 3,782 |
| Return on assets (ROA) | 0.7130% | 3,853 |
| Pretax return on assets | 0.7130% | 4,516 |
| Return on Equity (ROE) | 6.6871% | 3,728 |
| Retained earnings to average equity (ytd only) | 0.6578% | 4,935 |
| Net charge-offs to loans | -0.0101% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8422% | 2,043 |
| Assets per employee ($millions) | 5.3145% | 2,042 |
| Cash dividends to net income (ytd only)* | 90.1639% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,367 |
| Loan loss allowance to noncurrent loans | 24.3464% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 2.4356% | 461 |
| Noncurrent loans to loans | 4.6855% | 175 |
| Net loans and leases to total assets | 45.5570% | 4,968 |
| Net loans and leases to deposits | 51.0813% | 5,099 |
| Net loans and leases to core deposits | 52.5361% | 5,130 |
| Total domestic deposits to total assets | 89.1852% | 866 |
| Equity capital to assets | 10.6877% | 3,139 |
| Core capital (leverage) ratio | 10.6493% | 2,762 |
| Tier 1 risk-based capital ratio | 26.0924% | 669 |
| Total risk-based capital ratio | 27.3442% | 651 |
| Memoranda: | ||
| Average total assets | $85,556,000 | 4,565 |
| Average earning assets | $80,798,330 | 4,523 |
| Average equity | $9,122,000 | 4,666 |
| Average total loans | $39,442,000 | 4,824 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0903% | 5,376 |
| Cost of funding earning assets | 0.3395% | 3,636 |
| Net interest margin | 2.7508% | 5,326 |
| Noninterest income to average assets | 0.2051% | 5,047 |
| Noninterest expense to average assets | 2.0229% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7504% | 3,476 |
| Return on assets (ROA) | 0.7504% | 3,527 |
| Pretax return on assets | 0.7504% | 4,287 |
| Return on Equity (ROE) | 7.0467% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.0467% | 1,831 |
| Net charge-offs to loans | -0.0202% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9412% | 2,416 |
| Assets per employee ($millions) | 5.4351% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,444 |
| Loan loss allowance to noncurrent loans | 29.7929% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.2182% | 562 |
| Noncurrent loans to loans | 3.8434% | 280 |
| Net loans and leases to total assets | 44.2768% | 5,022 |
| Net loans and leases to deposits | 49.5987% | 5,153 |
| Net loans and leases to core deposits | 50.9777% | 5,190 |
| Total domestic deposits to total assets | 89.2700% | 1,018 |
| Equity capital to assets | 10.6023% | 3,064 |
| Core capital (leverage) ratio | 10.7211% | 2,669 |
| Tier 1 risk-based capital ratio | 25.4156% | 741 |
| Total risk-based capital ratio | 26.6450% | 721 |
| Memoranda: | ||
| Average total assets | $85,818,000 | 4,604 |
| Average earning assets | $80,121,000 | 4,580 |
| Average equity | $9,139,000 | 4,693 |
| Average total loans | $39,570,500 | 4,866 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1808% | 5,329 |
| Cost of funding earning assets | 0.3541% | 3,472 |
| Net interest margin | 2.8266% | 5,250 |
| Noninterest income to average assets | 0.2130% | 5,142 |
| Noninterest expense to average assets | 2.0860% | 5,026 |
| Loan and lease loss provision to assets | 0.0369% | 3,627 |
| Net operating income to assets | 0.7497% | 3,536 |
| Return on assets (ROA) | 0.7497% | 3,657 |
| Pretax return on assets | 0.7497% | 4,345 |
| Return on Equity (ROE) | 6.9489% | 3,494 |
| Retained earnings to average equity (ytd only) | 0.8824% | 4,969 |
| Net charge-offs to loans | 0.0527% | 2,981 |
| Credit loss provision to net charge-offs | 147.6190% | 1,859 |
| Earnings coverage of net charge-offs (x) | 31.4762% | 1,388 |
| Efficiency ratio | 72.6181% | 2,487 |
| Assets per employee ($millions) | 4.9808% | 2,418 |
| Cash dividends to net income (ytd only)* | 87.3016% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,684 |
| Loan loss allowance to noncurrent loans | 29.4430% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 2.2746% | 558 |
| Noncurrent loans to loans | 3.7521% | 298 |
| Net loans and leases to total assets | 46.9412% | 4,960 |
| Net loans and leases to deposits | 52.6360% | 5,084 |
| Net loans and leases to core deposits | 54.1416% | 5,145 |
| Total domestic deposits to total assets | 89.1809% | 1,022 |
| Equity capital to assets | 10.6975% | 2,927 |
| Core capital (leverage) ratio | 10.7433% | 2,604 |
| Tier 1 risk-based capital ratio | 25.1283% | 760 |
| Total risk-based capital ratio | 26.3600% | 744 |
| Memoranda: | ||
| Average total assets | $84,035,600 | 4,651 |
| Average earning assets | $79,069,400 | 4,606 |
| Average equity | $9,066,200 | 4,748 |
| Average total loans | $39,882,000 | 4,888 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1691% | 5,409 |
| Cost of funding earning assets | 0.3506% | 3,529 |
| Net interest margin | 2.8185% | 5,324 |
| Noninterest income to average assets | 0.2146% | 5,179 |
| Noninterest expense to average assets | 2.1269% | 4,947 |
| Loan and lease loss provision to assets | 0.0366% | 3,517 |
| Net operating income to assets | 0.7090% | 3,794 |
| Return on assets (ROA) | 0.7090% | 3,933 |
| Pretax return on assets | 0.7090% | 4,588 |
| Return on Equity (ROE) | 6.5575% | 3,802 |
| Retained earnings to average equity (ytd only) | 2.8818% | 4,171 |
| Net charge-offs to loans | 0.0603% | 2,489 |
| Credit loss provision to net charge-offs | 127.7778% | 1,994 |
| Earnings coverage of net charge-offs (x) | 26.0550% | 1,610 |
| Efficiency ratio | 74.0454% | 2,280 |
| Assets per employee ($millions) | 4.6801% | 2,780 |
| Cash dividends to net income (ytd only)* | 56.0548% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,821 |
| Loan loss allowance to noncurrent loans | 29.9659% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 2.2863% | 628 |
| Noncurrent loans to loans | 3.6775% | 334 |
| Net loans and leases to total assets | 46.7676% | 5,040 |
| Net loans and leases to deposits | 52.5587% | 5,180 |
| Net loans and leases to core deposits | 54.0736% | 5,224 |
| Total domestic deposits to total assets | 88.9817% | 920 |
| Equity capital to assets | 10.8912% | 3,147 |
| Core capital (leverage) ratio | 10.9043% | 2,555 |
| Tier 1 risk-based capital ratio | 25.5992% | 754 |
| Total risk-based capital ratio | 26.8240% | 738 |
| Memoranda: | ||
| Average total assets | $83,876,000 | 4,687 |
| Average earning assets | $79,094,250 | 4,642 |
| Average equity | $9,068,250 | 4,795 |
| Average total loans | $39,804,750 | 4,931 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 5,508 |
| Cost of funding earning assets | 0.3513% | 3,552 |
| Net interest margin | 2.7873% | 5,441 |
| Noninterest income to average assets | 0.2078% | 5,251 |
| Noninterest expense to average assets | 2.1324% | 4,986 |
| Loan and lease loss provision to assets | 0.0167% | 3,781 |
| Net operating income to assets | 0.6925% | 3,827 |
| Return on assets (ROA) | 0.6925% | 3,977 |
| Pretax return on assets | 0.6925% | 4,639 |
| Return on Equity (ROE) | 6.4211% | 3,840 |
| Retained earnings to average equity (ytd only) | 0.8857% | 5,036 |
| Net charge-offs to loans | 0.0201% | 3,091 |
| Credit loss provision to net charge-offs | 175.0000% | 1,431 |
| Earnings coverage of net charge-offs (x) | 74.2500% | 743 |
| Efficiency ratio | 75.0420% | 2,216 |
| Assets per employee ($millions) | 4.6776% | 2,752 |
| Cash dividends to net income (ytd only)* | 86.2069% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,987 |
| Loan loss allowance to noncurrent loans | 25.6908% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.2733% | 658 |
| Noncurrent loans to loans | 4.2487% | 261 |
| Net loans and leases to total assets | 47.0319% | 5,064 |
| Net loans and leases to deposits | 52.7417% | 5,218 |
| Net loans and leases to core deposits | 54.2593% | 5,263 |
| Total domestic deposits to total assets | 89.1741% | 833 |
| Equity capital to assets | 10.7107% | 3,386 |
| Core capital (leverage) ratio | 10.7398% | 2,704 |
| Tier 1 risk-based capital ratio | 25.4057% | 778 |
| Total risk-based capital ratio | 26.6368% | 761 |
| Memoranda: | ||
| Average total assets | $83,754,000 | 4,726 |
| Average earning assets | $79,145,670 | 4,674 |
| Average equity | $9,032,670 | 4,837 |
| Average total loans | $39,794,000 | 4,978 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1413% | 5,562 |
| Cost of funding earning assets | 0.3502% | 3,595 |
| Net interest margin | 2.7911% | 5,478 |
| Noninterest income to average assets | 0.2107% | 5,222 |
| Noninterest expense to average assets | 2.2171% | 4,865 |
| Loan and lease loss provision to assets | 0.0335% | 3,211 |
| Net operating income to assets | 0.5938% | 4,206 |
| Return on assets (ROA) | 0.5938% | 4,318 |
| Pretax return on assets | 0.5938% | 4,835 |
| Return on Equity (ROE) | 5.4867% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.4867% | 2,661 |
| Net charge-offs to loans | 0.0403% | 2,196 |
| Credit loss provision to net charge-offs | 175.0000% | 1,173 |
| Earnings coverage of net charge-offs (x) | 32.7500% | 1,134 |
| Efficiency ratio | 77.9461% | 1,906 |
| Assets per employee ($millions) | 4.6386% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 4,065 |
| Loan loss allowance to noncurrent loans | 35.8197% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 1.7666% | 1,061 |
| Noncurrent loans to loans | 3.0641% | 518 |
| Net loans and leases to total assets | 47.1633% | 5,033 |
| Net loans and leases to deposits | 53.0143% | 5,164 |
| Net loans and leases to core deposits | 54.5567% | 5,210 |
| Total domestic deposits to total assets | 88.9634% | 1,123 |
| Equity capital to assets | 10.9013% | 3,042 |
| Core capital (leverage) ratio | 10.8675% | 2,550 |
| Tier 1 risk-based capital ratio | 25.6171% | 760 |
| Total risk-based capital ratio | 26.8470% | 751 |
| Memoranda: | ||
| Average total assets | $83,533,000 | 4,774 |
| Average earning assets | $78,821,000 | 4,729 |
| Average equity | $9,040,000 | 4,857 |
| Average total loans | $39,673,000 | 5,018 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0953% | 5,634 |
| Cost of funding earning assets | 0.3765% | 3,409 |
| Net interest margin | 2.7188% | 5,628 |
| Noninterest income to average assets | 0.1606% | 5,619 |
| Noninterest expense to average assets | 2.2371% | 4,956 |
| Loan and lease loss provision to assets | 0.0286% | 3,799 |
| Net operating income to assets | 0.4558% | 4,865 |
| Return on assets (ROA) | 0.4558% | 4,947 |
| Pretax return on assets | 0.4558% | 5,211 |
| Return on Equity (ROE) | 4.2541% | 4,829 |
| Retained earnings to average equity (ytd only) | -0.7442% | 5,627 |
| Net charge-offs to loans | 0.0703% | 2,838 |
| Credit loss provision to net charge-offs | 85.7143% | 2,838 |
| Earnings coverage of net charge-offs (x) | 14.5357% | 2,284 |
| Efficiency ratio | 82.2038% | 1,384 |
| Assets per employee ($millions) | 4.6428% | 2,819 |
| Cash dividends to net income (ytd only)* | 117.4935% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 4,063 |
| Loan loss allowance to noncurrent loans | 36.1968% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.7733% | 1,074 |
| Noncurrent loans to loans | 3.0331% | 523 |
| Net loans and leases to total assets | 46.7818% | 5,110 |
| Net loans and leases to deposits | 52.4905% | 5,262 |
| Net loans and leases to core deposits | 54.0134% | 5,315 |
| Total domestic deposits to total assets | 89.1242% | 1,058 |
| Equity capital to assets | 10.7430% | 3,085 |
| Core capital (leverage) ratio | 10.8933% | 2,500 |
| Tier 1 risk-based capital ratio | 25.4255% | 780 |
| Total risk-based capital ratio | 26.6546% | 763 |
| Memoranda: | ||
| Average total assets | $84,035,800 | 4,790 |
| Average earning assets | $79,152,000 | 4,738 |
| Average equity | $9,003,000 | 4,850 |
| Average total loans | $39,811,400 | 5,023 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0335% | 5,781 |
| Cost of funding earning assets | 0.3792% | 3,448 |
| Net interest margin | 2.6543% | 5,785 |
| Noninterest income to average assets | 0.1584% | 5,696 |
| Noninterest expense to average assets | 2.2784% | 4,834 |
| Loan and lease loss provision to assets | 0.0380% | 3,449 |
| Net operating income to assets | 0.3597% | 5,289 |
| Return on assets (ROA) | 0.3597% | 5,374 |
| Pretax return on assets | 0.3597% | 5,539 |
| Return on Equity (ROE) | 3.3594% | 5,264 |
| Retained earnings to average equity (ytd only) | -1.0803% | 5,766 |
| Net charge-offs to loans | 0.0836% | 2,349 |
| Credit loss provision to net charge-offs | 96.0000% | 2,369 |
| Earnings coverage of net charge-offs (x) | 10.0408% | 2,634 |
| Efficiency ratio | 85.1391% | 1,073 |
| Assets per employee ($millions) | 4.8578% | 2,475 |
| Cash dividends to net income (ytd only)* | 132.1582% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 4,273 |
| Loan loss allowance to noncurrent loans | 25.9941% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 2.6531% | 623 |
| Noncurrent loans to loans | 4.2011% | 291 |
| Net loans and leases to total assets | 48.0377% | 5,075 |
| Net loans and leases to deposits | 53.9771% | 5,253 |
| Net loans and leases to core deposits | 55.5647% | 5,329 |
| Total domestic deposits to total assets | 88.9965% | 1,030 |
| Equity capital to assets | 10.8642% | 3,178 |
| Core capital (leverage) ratio | 10.8346% | 2,664 |
| Tier 1 risk-based capital ratio | 25.0195% | 854 |
| Total risk-based capital ratio | 26.2409% | 848 |
| Memoranda: | ||
| Average total assets | $84,152,000 | 4,845 |
| Average earning assets | $79,818,000 | 4,783 |
| Average equity | $9,009,250 | 4,901 |
| Average total loans | $39,881,750 | 5,071 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0168% | 5,841 |
| Cost of funding earning assets | 0.3868% | 3,406 |
| Net interest margin | 2.6301% | 5,846 |
| Noninterest income to average assets | 0.2008% | 5,477 |
| Noninterest expense to average assets | 2.4328% | 4,459 |
| Loan and lease loss provision to assets | 0.0449% | 3,213 |
| Net operating income to assets | 0.2126% | 5,666 |
| Return on assets (ROA) | 0.2126% | 5,734 |
| Pretax return on assets | 0.2126% | 5,794 |
| Return on Equity (ROE) | 1.9952% | 5,680 |
| Retained earnings to average equity (ytd only) | -4.6555% | 6,003 |
| Net charge-offs to loans | 0.1156% | 1,845 |
| Credit loss provision to net charge-offs | 82.6087% | 2,297 |
| Earnings coverage of net charge-offs (x) | 4.7391% | 3,003 |
| Efficiency ratio | 90.4302% | 718 |
| Assets per employee ($millions) | 4.9793% | 2,303 |
| Cash dividends to net income (ytd only)* | 333.3333% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 4,370 |
| Loan loss allowance to noncurrent loans | 23.0728% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 3.1779% | 495 |
| Noncurrent loans to loans | 4.7264% | 270 |
| Net loans and leases to total assets | 46.5032% | 5,214 |
| Net loans and leases to deposits | 51.9938% | 5,381 |
| Net loans and leases to core deposits | 53.8061% | 5,433 |
| Total domestic deposits to total assets | 89.4398% | 930 |
| Equity capital to assets | 10.4373% | 3,511 |
| Core capital (leverage) ratio | 10.3735% | 3,112 |
| Tier 1 risk-based capital ratio | 23.2286% | 1,047 |
| Total risk-based capital ratio | 24.3697% | 1,046 |
| Memoranda: | ||
| Average total assets | $84,675,000 | 4,884 |
| Average earning assets | $80,150,000 | 4,824 |
| Average equity | $9,021,670 | 4,939 |
| Average total loans | $39,806,000 | 5,120 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9585% | 5,934 |
| Cost of funding earning assets | 0.3948% | 3,362 |
| Net interest margin | 2.5637% | 5,960 |
| Noninterest income to average assets | 0.2267% | 5,334 |
| Noninterest expense to average assets | 1.9034% | 5,749 |
| Loan and lease loss provision to assets | 0.0850% | 2,271 |
| Net operating income to assets | 0.6612% | 4,005 |
| Return on assets (ROA) | 0.6612% | 4,127 |
| Pretax return on assets | 0.6612% | 4,725 |
| Return on Equity (ROE) | 6.1437% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.1437% | 2,407 |
| Net charge-offs to loans | 0.2110% | 1,100 |
| Credit loss provision to net charge-offs | 85.7143% | 1,774 |
| Earnings coverage of net charge-offs (x) | 7.5238% | 2,160 |
| Efficiency ratio | 71.8360% | 3,201 |
| Assets per employee ($millions) | 5.0217% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 4,567 |
| Loan loss allowance to noncurrent loans | 25.7531% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 2.9472% | 649 |
| Noncurrent loans to loans | 4.2346% | 386 |
| Net loans and leases to total assets | 46.3213% | 5,182 |
| Net loans and leases to deposits | 51.9940% | 5,334 |
| Net loans and leases to core deposits | 54.1291% | 5,361 |
| Total domestic deposits to total assets | 89.0897% | 1,207 |
| Equity capital to assets | 10.7592% | 3,248 |
| Core capital (leverage) ratio | 10.6799% | 2,767 |
| Tier 1 risk-based capital ratio | 23.4437% | 1,052 |
| Total risk-based capital ratio | 24.5565% | 1,047 |
| Memoranda: | ||
| Average total assets | $84,688,500 | 4,923 |
| Average earning assets | $80,040,500 | 4,865 |
| Average equity | $9,115,000 | 4,959 |
| Average total loans | $39,810,000 | 5,147 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0260% | 6,037 |
| Cost of funding earning assets | 0.4238% | 3,443 |
| Net interest margin | 2.6022% | 6,071 |
| Noninterest income to average assets | 0.2134% | 5,578 |
| Noninterest expense to average assets | 2.1170% | 5,534 |
| Loan and lease loss provision to assets | 0.4004% | 441 |
| Net operating income to assets | 0.1618% | 5,847 |
| Return on assets (ROA) | 0.1618% | 5,897 |
| Pretax return on assets | 0.1618% | 5,925 |
| Return on Equity (ROE) | 1.4496% | 5,902 |
| Retained earnings to average equity (ytd only) | -4.9932% | 6,179 |
| Net charge-offs to loans | 0.1790% | 2,237 |
| Credit loss provision to net charge-offs | 477.1429% | 548 |
| Earnings coverage of net charge-offs (x) | 6.7000% | 3,151 |
| Efficiency ratio | 79.0157% | 2,062 |
| Assets per employee ($millions) | 4.6671% | 2,771 |
| Cash dividends to net income (ytd only)* | 444.4444% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 4,515 |
| Loan loss allowance to noncurrent loans | 27.5645% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 2.8878% | 724 |
| Noncurrent loans to loans | 4.0086% | 462 |
| Net loans and leases to total assets | 46.6646% | 5,271 |
| Net loans and leases to deposits | 52.3874% | 5,457 |
| Net loans and leases to core deposits | 54.5753% | 5,475 |
| Total domestic deposits to total assets | 89.0760% | 1,196 |
| Equity capital to assets | 10.7668% | 3,162 |
| Core capital (leverage) ratio | 10.7672% | 2,655 |
| Tier 1 risk-based capital ratio | 23.9159% | 966 |
| Total risk-based capital ratio | 25.0740% | 951 |
| Memoranda: | ||
| Average total assets | $83,418,400 | 4,974 |
| Average earning assets | $79,047,200 | 4,903 |
| Average equity | $9,312,600 | 4,897 |
| Average total loans | $39,095,400 | 5,217 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9991% | 6,144 |
| Cost of funding earning assets | 0.4268% | 3,501 |
| Net interest margin | 2.5723% | 6,158 |
| Noninterest income to average assets | 0.2033% | 5,713 |
| Noninterest expense to average assets | 2.0735% | 5,634 |
| Loan and lease loss provision to assets | 0.4739% | 323 |
| Net operating income to assets | 0.0977% | 6,032 |
| Return on assets (ROA) | 0.0977% | 6,058 |
| Pretax return on assets | 0.0977% | 6,059 |
| Return on Equity (ROE) | 0.8671% | 6,052 |
| Retained earnings to average equity (ytd only) | -3.3974% | 6,172 |
| Net charge-offs to loans | 0.0650% | 3,271 |
| Credit loss provision to net charge-offs | 1,557.8947% | 234 |
| Earnings coverage of net charge-offs (x) | 18.7916% | 1,819 |
| Efficiency ratio | 78.3898% | 2,121 |
| Assets per employee ($millions) | 4.9905% | 2,252 |
| Cash dividends to net income (ytd only)* | 491.8111% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 4,617 |
| Loan loss allowance to noncurrent loans | 21.5274% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 3.3098% | 667 |
| Noncurrent loans to loans | 5.2438% | 322 |
| Net loans and leases to total assets | 46.5605% | 5,329 |
| Net loans and leases to deposits | 52.3636% | 5,512 |
| Net loans and leases to core deposits | 55.2956% | 5,488 |
| Total domestic deposits to total assets | 88.9177% | 1,290 |
| Equity capital to assets | 10.9267% | 3,029 |
| Core capital (leverage) ratio | 10.7476% | 2,761 |
| Tier 1 risk-based capital ratio | 24.3448% | 950 |
| Total risk-based capital ratio | 25.5292% | 935 |
| Memoranda: | ||
| Average total assets | $83,271,000 | 5,036 |
| Average earning assets | $79,043,750 | 4,964 |
| Average equity | $9,379,500 | 4,931 |
| Average total loans | $38,959,250 | 5,273 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0112% | 6,161 |
| Cost of funding earning assets | 0.4338% | 3,506 |
| Net interest margin | 2.5774% | 6,201 |
| Noninterest income to average assets | 0.1837% | 5,850 |
| Noninterest expense to average assets | 2.0810% | 5,665 |
| Loan and lease loss provision to assets | 0.7130% | 182 |
| Net operating income to assets | -0.1692% | 6,295 |
| Return on assets (ROA) | -0.1692% | 6,310 |
| Pretax return on assets | -0.1692% | 6,294 |
| Return on Equity (ROE) | -1.4868% | 6,306 |
| Retained earnings to average equity (ytd only) | -7.8590% | 6,370 |
| Net charge-offs to loans | 0.1398% | 2,272 |
| Credit loss provision to net charge-offs | 1,092.5926% | 309 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,507 |
| Efficiency ratio | 79.2818% | 2,127 |
| Assets per employee ($millions) | 4.5823% | 2,793 |
| Cash dividends to net income (ytd only)* | -428.5714% | 6,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 4,669 |
| Loan loss allowance to noncurrent loans | 19.7680% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 3.6299% | 629 |
| Noncurrent loans to loans | 5.8081% | 287 |
| Net loans and leases to total assets | 46.2422% | 5,337 |
| Net loans and leases to deposits | 52.0931% | 5,493 |
| Net loans and leases to core deposits | 55.1035% | 5,474 |
| Total domestic deposits to total assets | 88.7683% | 1,493 |
| Equity capital to assets | 11.0801% | 2,802 |
| Core capital (leverage) ratio | 10.9645% | 2,462 |
| Tier 1 risk-based capital ratio | 24.3778% | 942 |
| Total risk-based capital ratio | 24.7699% | 1,027 |
| Memoranda: | ||
| Average total assets | $82,748,670 | 5,087 |
| Average earning assets | $78,373,670 | 5,013 |
| Average equity | $9,416,000 | 4,930 |
| Average total loans | $38,628,330 | 5,325 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0136% | 6,231 |
| Cost of funding earning assets | 0.4385% | 3,551 |
| Net interest margin | 2.5751% | 6,269 |
| Noninterest income to average assets | 0.1641% | 5,992 |
| Noninterest expense to average assets | 2.1573% | 5,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4440% | 4,958 |
| Return on assets (ROA) | 0.4440% | 5,022 |
| Pretax return on assets | 0.4440% | 5,326 |
| Return on Equity (ROE) | 3.8516% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.8516% | 3,816 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9314% | 1,807 |
| Assets per employee ($millions) | 4.9491% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4551% | 6,531 |
| Loan loss allowance to noncurrent loans | 8.9048% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 3.1449% | 872 |
| Noncurrent loans to loans | 5.1106% | 430 |
| Net loans and leases to total assets | 45.2368% | 5,406 |
| Net loans and leases to deposits | 51.1580% | 5,509 |
| Net loans and leases to core deposits | 54.0648% | 5,493 |
| Total domestic deposits to total assets | 88.4257% | 1,979 |
| Equity capital to assets | 11.4102% | 2,322 |
| Core capital (leverage) ratio | 11.5047% | 1,964 |
| Tier 1 risk-based capital ratio | 26.1837% | 776 |
| Total risk-based capital ratio | 26.6583% | 829 |
| Memoranda: | ||
| Average total assets | $82,882,500 | 5,133 |
| Average earning assets | $78,443,500 | 5,062 |
| Average equity | $9,554,500 | 4,924 |
| Average total loans | $38,650,500 | 5,368 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2481% | 6,077 |
| Cost of funding earning assets | 0.5031% | 3,575 |
| Net interest margin | 2.7450% | 6,077 |
| Noninterest income to average assets | 0.2233% | 5,737 |
| Noninterest expense to average assets | 2.1045% | 5,824 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6615% | 3,977 |
| Return on assets (ROA) | 0.6615% | 4,080 |
| Pretax return on assets | 0.6615% | 4,659 |
| Return on Equity (ROE) | 5.6705% | 4,290 |
| Retained earnings to average equity (ytd only) | -0.5722% | 5,986 |
| Net charge-offs to loans | 0.0203% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 68.1250% | 619 |
| Efficiency ratio | 76.0860% | 2,756 |
| Assets per employee ($millions) | 4.8018% | 2,440 |
| Cash dividends to net income (ytd only)* | 110.0917% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4454% | 6,611 |
| Loan loss allowance to noncurrent loans | 7.1634% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 3.8331% | 712 |
| Noncurrent loans to loans | 6.2175% | 319 |
| Net loans and leases to total assets | 47.6455% | 5,331 |
| Net loans and leases to deposits | 54.0316% | 5,465 |
| Net loans and leases to core deposits | 57.2107% | 5,448 |
| Total domestic deposits to total assets | 88.1808% | 2,066 |
| Equity capital to assets | 11.6489% | 2,064 |
| Core capital (leverage) ratio | 11.5527% | 1,923 |
| Tier 1 risk-based capital ratio | 25.4279% | 817 |
| Total risk-based capital ratio | 25.8931% | 880 |
| Memoranda: | ||
| Average total assets | $82,393,400 | 5,185 |
| Average earning assets | $76,320,400 | 5,141 |
| Average equity | $9,611,200 | 4,945 |
| Average total loans | $39,354,400 | 5,374 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2331% | 6,155 |
| Cost of funding earning assets | 0.5050% | 3,724 |
| Net interest margin | 2.7282% | 6,123 |
| Noninterest income to average assets | 0.2406% | 5,713 |
| Noninterest expense to average assets | 2.0036% | 6,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7491% | 3,602 |
| Return on assets (ROA) | 0.7491% | 3,730 |
| Pretax return on assets | 0.7491% | 4,491 |
| Return on Equity (ROE) | 6.4197% | 3,967 |
| Retained earnings to average equity (ytd only) | 2.2690% | 4,963 |
| Net charge-offs to loans | 0.0271% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 57.9803% | 774 |
| Efficiency ratio | 72.7859% | 3,266 |
| Assets per employee ($millions) | 4.5866% | 2,744 |
| Cash dividends to net income (ytd only)* | 64.6553% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4425% | 6,693 |
| Loan loss allowance to noncurrent loans | 7.0703% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 4.0311% | 768 |
| Noncurrent loans to loans | 6.2589% | 382 |
| Net loans and leases to total assets | 47.4164% | 5,405 |
| Net loans and leases to deposits | 53.8504% | 5,551 |
| Net loans and leases to core deposits | 57.7852% | 5,467 |
| Total domestic deposits to total assets | 88.0520% | 2,101 |
| Equity capital to assets | 11.7844% | 2,057 |
| Core capital (leverage) ratio | 11.5826% | 1,975 |
| Tier 1 risk-based capital ratio | 26.0002% | 787 |
| Total risk-based capital ratio | 26.4652% | 843 |
| Memoranda: | ||
| Average total assets | $82,584,250 | 5,229 |
| Average earning assets | $76,044,500 | 5,196 |
| Average equity | $9,636,750 | 4,989 |
| Average total loans | $39,426,250 | 5,421 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2462% | 6,167 |
| Cost of funding earning assets | 0.5075% | 3,831 |
| Net interest margin | 2.7386% | 6,116 |
| Noninterest income to average assets | 0.1865% | 6,095 |
| Noninterest expense to average assets | 2.0268% | 5,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6683% | 3,976 |
| Return on assets (ROA) | 0.6683% | 4,131 |
| Pretax return on assets | 0.6683% | 4,785 |
| Return on Equity (ROE) | 5.7464% | 4,318 |
| Retained earnings to average equity (ytd only) | -0.4997% | 5,957 |
| Net charge-offs to loans | 0.0101% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 359 |
| Efficiency ratio | 75.2022% | 2,915 |
| Assets per employee ($millions) | 4.5657% | 2,707 |
| Cash dividends to net income (ytd only)* | 108.6957% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4626% | 6,732 |
| Loan loss allowance to noncurrent loans | 8.1227% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 3.7477% | 980 |
| Noncurrent loans to loans | 5.6953% | 528 |
| Net loans and leases to total assets | 47.1253% | 5,416 |
| Net loans and leases to deposits | 53.4237% | 5,564 |
| Net loans and leases to core deposits | 57.2965% | 5,493 |
| Total domestic deposits to total assets | 88.2105% | 2,102 |
| Equity capital to assets | 11.6095% | 2,208 |
| Core capital (leverage) ratio | 11.5359% | 1,908 |
| Tier 1 risk-based capital ratio | 26.5241% | 727 |
| Total risk-based capital ratio | 27.0245% | 777 |
| Memoranda: | ||
| Average total assets | $82,593,000 | 5,256 |
| Average earning assets | $75,658,000 | 5,236 |
| Average equity | $9,606,000 | 5,036 |
| Average total loans | $39,461,670 | 5,444 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1642% | 6,337 |
| Cost of funding earning assets | 0.4888% | 4,194 |
| Net interest margin | 2.6754% | 6,259 |
| Noninterest income to average assets | 0.1884% | 6,125 |
| Noninterest expense to average assets | 1.9904% | 6,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7102% | 3,642 |
| Return on assets (ROA) | 0.7102% | 3,777 |
| Pretax return on assets | 0.7102% | 4,537 |
| Return on Equity (ROE) | 6.1005% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.1005% | 2,623 |
| Net charge-offs to loans | -0.0403% | 6,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7030% | 3,313 |
| Assets per employee ($millions) | 4.7207% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4696% | 6,814 |
| Loan loss allowance to noncurrent loans | 8.9595% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 3.4988% | 1,213 |
| Noncurrent loans to loans | 5.2416% | 719 |
| Net loans and leases to total assets | 46.3912% | 5,400 |
| Net loans and leases to deposits | 52.4705% | 5,578 |
| Net loans and leases to core deposits | 56.1315% | 5,508 |
| Total domestic deposits to total assets | 88.4140% | 2,057 |
| Equity capital to assets | 11.4295% | 2,481 |
| Core capital (leverage) ratio | 11.6292% | 1,801 |
| Tier 1 risk-based capital ratio | 25.9305% | 789 |
| Total risk-based capital ratio | 26.4271% | 851 |
| Memoranda: | ||
| Average total assets | $82,798,000 | 5,302 |
| Average earning assets | $77,744,500 | 5,213 |
| Average equity | $9,638,500 | 5,082 |
| Average total loans | $39,738,000 | 5,476 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 6,419 |
| Cost of funding earning assets | 0.5476% | 4,838 |
| Net interest margin | 2.9007% | 6,223 |
| Noninterest income to average assets | 0.2286% | 5,807 |
| Noninterest expense to average assets | 2.2282% | 5,859 |
| Loan and lease loss provision to assets | 0.0440% | 5,299 |
| Net operating income to assets | 0.6707% | 3,877 |
| Return on assets (ROA) | 0.6707% | 4,148 |
| Pretax return on assets | 0.6707% | 4,756 |
| Return on Equity (ROE) | 5.5312% | 4,412 |
| Retained earnings to average equity (ytd only) | -0.6836% | 5,974 |
| Net charge-offs to loans | 0.1010% | 4,655 |
| Credit loss provision to net charge-offs | 87.5000% | 3,571 |
| Earnings coverage of net charge-offs (x) | 14.2250% | 1,748 |
| Efficiency ratio | 75.7149% | 2,795 |
| Assets per employee ($millions) | 4.4791% | 2,999 |
| Cash dividends to net income (ytd only)* | 112.3596% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4565% | 6,865 |
| Loan loss allowance to noncurrent loans | 10.6184% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 3.2224% | 1,442 |
| Noncurrent loans to loans | 4.2990% | 1,026 |
| Net loans and leases to total assets | 49.2266% | 5,279 |
| Net loans and leases to deposits | 55.9601% | 5,450 |
| Net loans and leases to core deposits | 59.7513% | 5,387 |
| Total domestic deposits to total assets | 87.9675% | 2,259 |
| Equity capital to assets | 11.8639% | 2,135 |
| Core capital (leverage) ratio | 12.1553% | 1,475 |
| Tier 1 risk-based capital ratio | 25.9714% | 772 |
| Total risk-based capital ratio | 26.4656% | 815 |
| Memoranda: | ||
| Average total assets | $79,614,200 | 5,363 |
| Average earning assets | $74,500,200 | 5,296 |
| Average equity | $9,654,400 | 5,064 |
| Average total loans | $39,585,800 | 5,524 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 6,577 |
| Cost of funding earning assets | 0.5526% | 5,061 |
| Net interest margin | 2.8865% | 6,383 |
| Noninterest income to average assets | 0.2419% | 5,814 |
| Noninterest expense to average assets | 2.1521% | 6,059 |
| Loan and lease loss provision to assets | 0.0588% | 4,993 |
| Net operating income to assets | 0.7426% | 3,725 |
| Return on assets (ROA) | 0.7426% | 3,973 |
| Pretax return on assets | 0.7426% | 4,697 |
| Return on Equity (ROE) | 6.0901% | 4,291 |
| Retained earnings to average equity (ytd only) | 1.9565% | 5,347 |
| Net charge-offs to loans | 0.1350% | 4,041 |
| Credit loss provision to net charge-offs | 87.5000% | 3,382 |
| Earnings coverage of net charge-offs (x) | 11.9254% | 2,039 |
| Efficiency ratio | 72.8669% | 3,174 |
| Assets per employee ($millions) | 4.3589% | 3,149 |
| Cash dividends to net income (ytd only)* | 67.8731% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4618% | 6,974 |
| Loan loss allowance to noncurrent loans | 10.9441% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 3.3902% | 1,488 |
| Noncurrent loans to loans | 4.2196% | 1,168 |
| Net loans and leases to total assets | 49.9981% | 5,313 |
| Net loans and leases to deposits | 57.2218% | 5,508 |
| Net loans and leases to core deposits | 61.1529% | 5,443 |
| Total domestic deposits to total assets | 87.3759% | 2,447 |
| Equity capital to assets | 12.4559% | 1,922 |
| Core capital (leverage) ratio | 12.0699% | 1,612 |
| Tier 1 risk-based capital ratio | 27.8401% | 671 |
| Total risk-based capital ratio | 28.3586% | 717 |
| Memoranda: | ||
| Average total assets | $79,362,000 | 5,424 |
| Average earning assets | $74,552,000 | 5,348 |
| Average equity | $9,676,750 | 5,105 |
| Average total loans | $39,514,750 | 5,598 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4076% | 6,720 |
| Cost of funding earning assets | 0.5644% | 5,189 |
| Net interest margin | 2.8432% | 6,512 |
| Noninterest income to average assets | 0.2460% | 5,815 |
| Noninterest expense to average assets | 2.2646% | 5,833 |
| Loan and lease loss provision to assets | 0.0879% | 4,485 |
| Net operating income to assets | 0.5624% | 4,522 |
| Return on assets (ROA) | 0.5624% | 4,809 |
| Pretax return on assets | 0.5624% | 5,269 |
| Return on Equity (ROE) | 4.6451% | 4,974 |
| Retained earnings to average equity (ytd only) | -1.5760% | 6,302 |
| Net charge-offs to loans | 0.2377% | 3,145 |
| Credit loss provision to net charge-offs | 74.4681% | 3,467 |
| Earnings coverage of net charge-offs (x) | 5.5106% | 2,819 |
| Efficiency ratio | 77.6916% | 2,500 |
| Assets per employee ($millions) | 4.4608% | 2,979 |
| Cash dividends to net income (ytd only)* | 133.9286% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4466% | 7,051 |
| Loan loss allowance to noncurrent loans | 12.1359% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 2.9367% | 1,881 |
| Noncurrent loans to loans | 3.6802% | 1,547 |
| Net loans and leases to total assets | 48.5809% | 5,554 |
| Net loans and leases to deposits | 55.2615% | 5,737 |
| Net loans and leases to core deposits | 60.7791% | 5,511 |
| Total domestic deposits to total assets | 87.9108% | 2,200 |
| Equity capital to assets | 11.8986% | 2,222 |
| Core capital (leverage) ratio | 11.8379% | 1,693 |
| Tier 1 risk-based capital ratio | 26.5588% | 765 |
| Total risk-based capital ratio | 27.0453% | 805 |
| Memoranda: | ||
| Average total assets | $79,662,330 | 5,442 |
| Average earning assets | $74,775,000 | 5,368 |
| Average equity | $9,644,670 | 5,121 |
| Average total loans | $39,549,330 | 5,626 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 6,662 |
| Cost of funding earning assets | 0.5842% | 5,256 |
| Net interest margin | 2.9422% | 6,405 |
| Noninterest income to average assets | 0.1865% | 6,265 |
| Noninterest expense to average assets | 2.1728% | 6,106 |
| Loan and lease loss provision to assets | 0.1764% | 3,204 |
| Net operating income to assets | 0.6049% | 4,326 |
| Return on assets (ROA) | 0.6049% | 4,540 |
| Pretax return on assets | 0.6049% | 5,100 |
| Return on Equity (ROE) | 4.9536% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.9536% | 3,584 |
| Net charge-offs to loans | 0.3725% | 2,190 |
| Credit loss provision to net charge-offs | 94.5946% | 2,463 |
| Earnings coverage of net charge-offs (x) | 4.1892% | 2,641 |
| Efficiency ratio | 73.5495% | 3,169 |
| Assets per employee ($millions) | 4.4431% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4635% | 7,094 |
| Loan loss allowance to noncurrent loans | 7.8224% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 3.5486% | 1,613 |
| Noncurrent loans to loans | 5.9254% | 849 |
| Net loans and leases to total assets | 49.6749% | 5,353 |
| Net loans and leases to deposits | 56.6871% | 5,524 |
| Net loans and leases to core deposits | 61.4271% | 5,389 |
| Total domestic deposits to total assets | 87.6300% | 2,572 |
| Equity capital to assets | 12.1912% | 1,921 |
| Core capital (leverage) ratio | 12.1019% | 1,531 |
| Tier 1 risk-based capital ratio | 26.5928% | 760 |
| Total risk-based capital ratio | 27.0974% | 797 |
| Memoranda: | ||
| Average total assets | $79,346,000 | 5,497 |
| Average earning assets | $74,637,000 | 5,412 |
| Average equity | $9,690,000 | 5,122 |
| Average total loans | $39,732,500 | 5,653 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 6,879 |
| Cost of funding earning assets | 0.6550% | 5,796 |
| Net interest margin | 3.0157% | 6,505 |
| Noninterest income to average assets | 0.2461% | 5,774 |
| Noninterest expense to average assets | 2.1025% | 6,489 |
| Loan and lease loss provision to assets | 0.0644% | 5,804 |
| Net operating income to assets | 0.9263% | 2,499 |
| Return on assets (ROA) | 0.9263% | 2,622 |
| Pretax return on assets | 0.9263% | 3,532 |
| Return on Equity (ROE) | 7.4607% | 3,169 |
| Retained earnings to average equity (ytd only) | 1.2348% | 5,276 |
| Net charge-offs to loans | 0.0050% | 6,365 |
| Credit loss provision to net charge-offs | 2,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 384.5000% | 89 |
| Efficiency ratio | 67.9717% | 4,366 |
| Assets per employee ($millions) | 4.3731% | 3,111 |
| Cash dividends to net income (ytd only)* | 83.4492% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4728% | 7,123 |
| Loan loss allowance to noncurrent loans | 11.4794% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 2.7974% | 2,162 |
| Noncurrent loans to loans | 4.1186% | 1,501 |
| Net loans and leases to total assets | 50.0089% | 5,578 |
| Net loans and leases to deposits | 57.1186% | 5,787 |
| Net loans and leases to core deposits | 61.9824% | 5,652 |
| Total domestic deposits to total assets | 87.5527% | 2,442 |
| Equity capital to assets | 12.2339% | 1,948 |
| Core capital (leverage) ratio | 12.4266% | 1,377 |
| Tier 1 risk-based capital ratio | 25.8781% | 791 |
| Total risk-based capital ratio | 26.3806% | 843 |
| Memoranda: | ||
| Average total assets | $77,620,400 | 5,520 |
| Average earning assets | $73,282,400 | 5,430 |
| Average equity | $9,637,200 | 5,109 |
| Average total loans | $40,158,200 | 5,687 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 6,948 |
| Cost of funding earning assets | 0.6614% | 5,973 |
| Net interest margin | 3.0209% | 6,544 |
| Noninterest income to average assets | 0.2413% | 5,898 |
| Noninterest expense to average assets | 2.0668% | 6,559 |
| Loan and lease loss provision to assets | 0.0345% | 6,006 |
| Net operating income to assets | 0.9981% | 2,332 |
| Return on assets (ROA) | 0.9981% | 2,482 |
| Pretax return on assets | 0.9981% | 3,413 |
| Return on Equity (ROE) | 8.0089% | 3,033 |
| Retained earnings to average equity (ytd only) | 3.8592% | 3,980 |
| Net charge-offs to loans | -0.0198% | 6,908 |
| Credit loss provision to net charge-offs | -333.3333% | 6,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6852% | 4,590 |
| Assets per employee ($millions) | 4.5864% | 2,777 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4135% | 7,220 |
| Loan loss allowance to noncurrent loans | 7.9137% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 3.2577% | 1,948 |
| Noncurrent loans to loans | 5.2250% | 1,170 |
| Net loans and leases to total assets | 50.9683% | 5,585 |
| Net loans and leases to deposits | 58.4225% | 5,803 |
| Net loans and leases to core deposits | 63.9744% | 5,614 |
| Total domestic deposits to total assets | 87.2409% | 2,499 |
| Equity capital to assets | 12.5577% | 1,879 |
| Core capital (leverage) ratio | 12.3727% | 1,499 |
| Tier 1 risk-based capital ratio | 26.6415% | 769 |
| Total risk-based capital ratio | 27.0904% | 826 |
| Memoranda: | ||
| Average total assets | $77,346,500 | 5,564 |
| Average earning assets | $73,178,250 | 5,474 |
| Average equity | $9,639,000 | 5,144 |
| Average total loans | $40,309,750 | 5,729 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 7,023 |
| Cost of funding earning assets | 0.6656% | 6,142 |
| Net interest margin | 3.0241% | 6,565 |
| Noninterest income to average assets | 0.2178% | 6,109 |
| Noninterest expense to average assets | 2.1001% | 6,592 |
| Loan and lease loss provision to assets | 0.0519% | 5,664 |
| Net operating income to assets | 0.9282% | 2,523 |
| Return on assets (ROA) | 0.9282% | 2,631 |
| Pretax return on assets | 0.9282% | 3,519 |
| Return on Equity (ROE) | 7.4674% | 3,207 |
| Retained earnings to average equity (ytd only) | 1.2098% | 5,372 |
| Net charge-offs to loans | -0.0297% | 6,917 |
| Credit loss provision to net charge-offs | -333.3333% | 6,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1818% | 4,487 |
| Assets per employee ($millions) | 4.4352% | 2,948 |
| Cash dividends to net income (ytd only)* | 83.7989% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4051% | 7,291 |
| Loan loss allowance to noncurrent loans | 9.5293% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 2.7219% | 2,456 |
| Noncurrent loans to loans | 4.2515% | 1,593 |
| Net loans and leases to total assets | 50.5004% | 5,751 |
| Net loans and leases to deposits | 57.5170% | 5,989 |
| Net loans and leases to core deposits | 62.7086% | 5,836 |
| Total domestic deposits to total assets | 87.8008% | 2,278 |
| Equity capital to assets | 11.9863% | 2,099 |
| Core capital (leverage) ratio | 12.2400% | 1,486 |
| Tier 1 risk-based capital ratio | 25.9084% | 822 |
| Total risk-based capital ratio | 26.3524% | 882 |
| Memoranda: | ||
| Average total assets | $77,139,330 | 5,618 |
| Average earning assets | $73,014,330 | 5,524 |
| Average equity | $9,588,330 | 5,160 |
| Average total loans | $40,445,000 | 5,781 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 7,034 |
| Cost of funding earning assets | 0.6713% | 6,292 |
| Net interest margin | 3.0602% | 6,441 |
| Noninterest income to average assets | 0.1847% | 6,401 |
| Noninterest expense to average assets | 2.1585% | 6,516 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9130% | 2,501 |
| Return on assets (ROA) | 0.9130% | 2,560 |
| Pretax return on assets | 0.9130% | 3,453 |
| Return on Equity (ROE) | 7.2098% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.2098% | 2,064 |
| Net charge-offs to loans | -0.0297% | 6,710 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2749% | 4,199 |
| Assets per employee ($millions) | 4.3017% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3541% | 7,374 |
| Loan loss allowance to noncurrent loans | 9.5752% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 2.6669% | 2,571 |
| Noncurrent loans to loans | 3.6984% | 1,994 |
| Net loans and leases to total assets | 51.6027% | 5,633 |
| Net loans and leases to deposits | 59.1118% | 5,810 |
| Net loans and leases to core deposits | 64.6631% | 5,661 |
| Total domestic deposits to total assets | 87.2969% | 2,766 |
| Equity capital to assets | 12.5081% | 1,626 |
| Core capital (leverage) ratio | 12.8120% | 1,193 |
| Tier 1 risk-based capital ratio | 27.8665% | 641 |
| Total risk-based capital ratio | 28.2751% | 687 |
| Memoranda: | ||
| Average total assets | $75,792,500 | 5,707 |
| Average earning assets | $71,499,500 | 5,618 |
| Average equity | $9,598,000 | 5,148 |
| Average total loans | $40,427,500 | 5,831 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0615% | 7,081 |
| Cost of funding earning assets | 0.8285% | 6,449 |
| Net interest margin | 3.2329% | 6,186 |
| Noninterest income to average assets | 0.3005% | 5,645 |
| Noninterest expense to average assets | 2.2238% | 6,557 |
| Loan and lease loss provision to assets | 0.0692% | 6,454 |
| Net operating income to assets | 1.0385% | 1,916 |
| Return on assets (ROA) | 1.0385% | 2,021 |
| Pretax return on assets | 1.0385% | 2,817 |
| Return on Equity (ROE) | 7.9119% | 2,734 |
| Retained earnings to average equity (ytd only) | 1.5824% | 4,731 |
| Net charge-offs to loans | 0.3159% | 4,439 |
| Credit loss provision to net charge-offs | 39.6825% | 6,394 |
| Earnings coverage of net charge-offs (x) | 6.3492% | 2,379 |
| Efficiency ratio | 66.7498% | 4,809 |
| Assets per employee ($millions) | 3.9029% | 3,998 |
| Cash dividends to net income (ytd only)* | 80.0000% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3410% | 7,461 |
| Loan loss allowance to noncurrent loans | 12.5225% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 2.3801% | 2,885 |
| Noncurrent loans to loans | 2.7235% | 2,793 |
| Net loans and leases to total assets | 54.7745% | 5,528 |
| Net loans and leases to deposits | 62.9805% | 5,745 |
| Net loans and leases to core deposits | 69.2077% | 5,524 |
| Total domestic deposits to total assets | 86.9705% | 2,834 |
| Equity capital to assets | 12.8258% | 1,478 |
| Core capital (leverage) ratio | 12.8882% | 1,165 |
| Tier 1 risk-based capital ratio | 26.7321% | 683 |
| Total risk-based capital ratio | 27.1227% | 747 |
| Memoranda: | ||
| Average total assets | $72,217,200 | 5,807 |
| Average earning assets | $67,709,400 | 5,750 |
| Average equity | $9,479,400 | 5,271 |
| Average total loans | $39,884,400 | 5,928 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 7,223 |
| Cost of funding earning assets | 0.8586% | 6,549 |
| Net interest margin | 3.2141% | 6,290 |
| Noninterest income to average assets | 0.3067% | 5,701 |
| Noninterest expense to average assets | 2.2100% | 6,580 |
| Loan and lease loss provision to assets | 0.0929% | 6,099 |
| Net operating income to assets | 1.0167% | 2,178 |
| Return on assets (ROA) | 1.0167% | 2,294 |
| Pretax return on assets | 1.0167% | 3,122 |
| Return on Equity (ROE) | 7.7002% | 3,021 |
| Retained earnings to average equity (ytd only) | 3.4771% | 4,009 |
| Net charge-offs to loans | 0.2487% | 4,445 |
| Credit loss provision to net charge-offs | 67.5676% | 5,485 |
| Earnings coverage of net charge-offs (x) | 8.0679% | 2,218 |
| Efficiency ratio | 66.5733% | 4,736 |
| Assets per employee ($millions) | 4.0017% | 3,830 |
| Cash dividends to net income (ytd only)* | 54.8442% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4688% | 7,484 |
| Loan loss allowance to noncurrent loans | 17.0080% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 2.3351% | 3,043 |
| Noncurrent loans to loans | 2.7561% | 2,881 |
| Net loans and leases to total assets | 56.3021% | 5,504 |
| Net loans and leases to deposits | 65.1612% | 5,765 |
| Net loans and leases to core deposits | 70.6066% | 5,687 |
| Total domestic deposits to total assets | 86.4045% | 2,851 |
| Equity capital to assets | 13.3387% | 1,429 |
| Core capital (leverage) ratio | 13.4190% | 1,085 |
| Tier 1 risk-based capital ratio | 26.7722% | 718 |
| Total risk-based capital ratio | 27.3044% | 757 |
| Memoranda: | ||
| Average total assets | $71,732,750 | 5,894 |
| Average earning assets | $67,243,000 | 5,822 |
| Average equity | $9,471,500 | 5,352 |
| Average total loans | $39,666,250 | 6,016 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 7,331 |
| Cost of funding earning assets | 0.8833% | 6,648 |
| Net interest margin | 3.1526% | 6,457 |
| Noninterest income to average assets | 0.2848% | 5,863 |
| Noninterest expense to average assets | 2.2559% | 6,490 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9884% | 2,246 |
| Return on assets (ROA) | 0.9884% | 2,322 |
| Pretax return on assets | 0.9884% | 3,159 |
| Return on Equity (ROE) | 7.5111% | 3,112 |
| Retained earnings to average equity (ytd only) | 1.1458% | 5,298 |
| Net charge-offs to loans | 0.0458% | 5,746 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 739 |
| Efficiency ratio | 69.5353% | 4,275 |
| Assets per employee ($millions) | 3.9838% | 3,804 |
| Cash dividends to net income (ytd only)* | 84.7458% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5131% | 7,493 |
| Loan loss allowance to noncurrent loans | 14.2758% | 7,164 |
| Noncurrent assets plus other real estate owned to assets | 2.7458% | 2,637 |
| Noncurrent loans to loans | 3.5944% | 2,195 |
| Net loans and leases to total assets | 55.6973% | 5,749 |
| Net loans and leases to deposits | 64.3270% | 5,997 |
| Net loans and leases to core deposits | 70.8294% | 5,790 |
| Total domestic deposits to total assets | 86.5847% | 2,770 |
| Equity capital to assets | 13.1295% | 1,510 |
| Core capital (leverage) ratio | 13.1745% | 1,149 |
| Tier 1 risk-based capital ratio | 26.3173% | 753 |
| Total risk-based capital ratio | 26.8931% | 787 |
| Memoranda: | ||
| Average total assets | $71,633,330 | 5,930 |
| Average earning assets | $67,246,670 | 5,853 |
| Average equity | $9,426,000 | 5,370 |
| Average total loans | $39,306,330 | 6,073 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9686% | 7,483 |
| Cost of funding earning assets | 0.9236% | 6,681 |
| Net interest margin | 3.0450% | 6,727 |
| Noninterest income to average assets | 0.2570% | 6,093 |
| Noninterest expense to average assets | 2.3186% | 6,328 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7933% | 2,999 |
| Return on assets (ROA) | 0.7933% | 3,110 |
| Pretax return on assets | 0.7933% | 3,896 |
| Return on Equity (ROE) | 6.0224% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.0224% | 2,616 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5063% | 3,486 |
| Assets per employee ($millions) | 3.9833% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5466% | 7,552 |
| Loan loss allowance to noncurrent loans | 17.4655% | 7,129 |
| Noncurrent assets plus other real estate owned to assets | 2.4198% | 3,008 |
| Noncurrent loans to loans | 3.1298% | 2,564 |
| Net loans and leases to total assets | 54.5559% | 5,948 |
| Net loans and leases to deposits | 63.0924% | 6,160 |
| Net loans and leases to core deposits | 68.5969% | 6,048 |
| Total domestic deposits to total assets | 86.4698% | 2,911 |
| Equity capital to assets | 13.2526% | 1,417 |
| Core capital (leverage) ratio | 13.2797% | 1,133 |
| Tier 1 risk-based capital ratio | 27.0120% | 707 |
| Total risk-based capital ratio | 27.6232% | 736 |
| Memoranda: | ||
| Average total assets | $71,595,500 | 6,005 |
| Average earning assets | $67,127,000 | 5,930 |
| Average equity | $9,431,500 | 5,414 |
| Average total loans | $38,886,500 | 6,170 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 7,584 |
| Cost of funding earning assets | 1.2418% | 6,497 |
| Net interest margin | 3.0014% | 6,645 |
| Noninterest income to average assets | 0.2922% | 6,025 |
| Noninterest expense to average assets | 2.3305% | 6,658 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7798% | 2,603 |
| Return on assets (ROA) | 0.7798% | 2,696 |
| Pretax return on assets | 0.7798% | 3,303 |
| Return on Equity (ROE) | 5.6221% | 3,371 |
| Retained earnings to average equity (ytd only) | -0.7306% | 5,182 |
| Net charge-offs to loans | 0.0573% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 25.2857% | 880 |
| Efficiency ratio | 74.9292% | 3,723 |
| Assets per employee ($millions) | 3.9718% | 3,865 |
| Cash dividends to net income (ytd only)* | 112.9944% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5593% | 7,608 |
| Loan loss allowance to noncurrent loans | 20.5349% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 2.2758% | 3,036 |
| Noncurrent loans to loans | 2.7236% | 2,840 |
| Net loans and leases to total assets | 53.4703% | 6,251 |
| Net loans and leases to deposits | 61.7371% | 6,492 |
| Net loans and leases to core deposits | 73.1631% | 6,584 |
| Total domestic deposits to total assets | 86.6097% | 2,700 |
| Equity capital to assets | 13.0938% | 1,473 |
| Core capital (leverage) ratio | 13.2083% | 1,182 |
| Tier 1 risk-based capital ratio | 27.1231% | 695 |
| Total risk-based capital ratio | 27.7461% | 718 |
| Memoranda: | ||
| Average total assets | $68,095,800 | 6,073 |
| Average earning assets | $63,937,800 | 6,003 |
| Average equity | $9,444,800 | 5,467 |
| Average total loans | $36,647,200 | 6,270 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 7,673 |
| Cost of funding earning assets | 1.3010% | 6,560 |
| Net interest margin | 3.0006% | 6,613 |
| Noninterest income to average assets | 0.2835% | 6,206 |
| Noninterest expense to average assets | 2.3356% | 6,609 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7693% | 2,941 |
| Return on assets (ROA) | 0.7693% | 3,003 |
| Pretax return on assets | 0.7693% | 3,629 |
| Return on Equity (ROE) | 5.4652% | 3,755 |
| Retained earnings to average equity (ytd only) | 1.2395% | 4,632 |
| Net charge-offs to loans | -0.0074% | 7,654 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2235% | 3,653 |
| Assets per employee ($millions) | 3.8485% | 4,081 |
| Cash dividends to net income (ytd only)* | 77.3196% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6378% | 7,509 |
| Loan loss allowance to noncurrent loans | 21.3071% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 2.4685% | 2,789 |
| Noncurrent loans to loans | 2.9934% | 2,524 |
| Net loans and leases to total assets | 53.5245% | 6,442 |
| Net loans and leases to deposits | 62.3013% | 6,646 |
| Net loans and leases to core deposits | 73.2101% | 6,771 |
| Total domestic deposits to total assets | 85.9123% | 2,740 |
| Equity capital to assets | 13.7398% | 1,401 |
| Core capital (leverage) ratio | 13.9431% | 1,107 |
| Tier 1 risk-based capital ratio | 28.7901% | 631 |
| Total risk-based capital ratio | 29.5100% | 654 |
| Memoranda: | ||
| Average total assets | $67,246,750 | 6,139 |
| Average earning assets | $63,230,000 | 6,066 |
| Average equity | $9,465,750 | 5,500 |
| Average total loans | $36,198,500 | 6,337 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 7,722 |
| Cost of funding earning assets | 1.3622% | 6,617 |
| Net interest margin | 3.0217% | 6,482 |
| Noninterest income to average assets | 0.2704% | 6,334 |
| Noninterest expense to average assets | 2.4936% | 6,145 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6159% | 3,614 |
| Return on assets (ROA) | 0.6159% | 3,725 |
| Pretax return on assets | 0.6159% | 4,282 |
| Return on Equity (ROE) | 4.3394% | 4,361 |
| Retained earnings to average equity (ytd only) | -2.0109% | 5,745 |
| Net charge-offs to loans | -0.0223% | 7,719 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1932% | 3,015 |
| Assets per employee ($millions) | 3.7306% | 4,253 |
| Cash dividends to net income (ytd only)* | 146.3415% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 7,516 |
| Loan loss allowance to noncurrent loans | 19.8675% | 7,136 |
| Noncurrent assets plus other real estate owned to assets | 2.3335% | 2,787 |
| Noncurrent loans to loans | 3.3285% | 2,120 |
| Net loans and leases to total assets | 53.6894% | 6,498 |
| Net loans and leases to deposits | 62.7456% | 6,685 |
| Net loans and leases to core deposits | 72.3172% | 6,877 |
| Total domestic deposits to total assets | 85.5669% | 2,985 |
| Equity capital to assets | 13.9015% | 1,338 |
| Core capital (leverage) ratio | 13.9206% | 1,158 |
| Tier 1 risk-based capital ratio | 29.1974% | 651 |
| Total risk-based capital ratio | 29.9481% | 666 |
| Memoranda: | ||
| Average total assets | $66,571,330 | 6,204 |
| Average earning assets | $62,548,000 | 6,127 |
| Average equity | $9,448,330 | 5,525 |
| Average total loans | $35,826,000 | 6,414 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 7,781 |
| Cost of funding earning assets | 1.3695% | 6,820 |
| Net interest margin | 3.0541% | 6,325 |
| Noninterest income to average assets | 0.2716% | 6,264 |
| Noninterest expense to average assets | 2.2389% | 6,726 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8992% | 2,705 |
| Return on assets (ROA) | 0.8992% | 2,858 |
| Pretax return on assets | 0.8992% | 3,714 |
| Return on Equity (ROE) | 6.2704% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.2704% | 2,512 |
| Net charge-offs to loans | 0.0112% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 300 |
| Efficiency ratio | 71.3462% | 4,303 |
| Assets per employee ($millions) | 3.5431% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6569% | 7,555 |
| Loan loss allowance to noncurrent loans | 19.0129% | 7,219 |
| Noncurrent assets plus other real estate owned to assets | 2.1005% | 2,750 |
| Noncurrent loans to loans | 3.4551% | 1,850 |
| Net loans and leases to total assets | 52.7912% | 6,609 |
| Net loans and leases to deposits | 61.8343% | 6,750 |
| Net loans and leases to core deposits | 71.5770% | 6,929 |
| Total domestic deposits to total assets | 85.3754% | 3,024 |
| Equity capital to assets | 14.2310% | 1,299 |
| Core capital (leverage) ratio | 14.4064% | 1,105 |
| Tier 1 risk-based capital ratio | 30.1334% | 612 |
| Total risk-based capital ratio | 30.8725% | 625 |
| Memoranda: | ||
| Average total assets | $66,281,500 | 6,243 |
| Average earning assets | $62,210,500 | 6,166 |
| Average equity | $9,505,000 | 5,535 |
| Average total loans | $35,592,500 | 6,460 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 7,279 |
| Cost of funding earning assets | 1.9335% | 6,631 |
| Net interest margin | 3.5755% | 4,989 |
| Noninterest income to average assets | 0.2782% | 6,469 |
| Noninterest expense to average assets | 2.1332% | 7,152 |
| Loan and lease loss provision to assets | 0.0299% | 7,028 |
| Net operating income to assets | 1.3628% | 1,314 |
| Return on assets (ROA) | 1.3628% | 1,273 |
| Pretax return on assets | 1.3628% | 2,080 |
| Return on Equity (ROE) | 9.3935% | 2,475 |
| Retained earnings to average equity (ytd only) | -2.9799% | 6,103 |
| Net charge-offs to loans | 0.5862% | 2,071 |
| Credit loss provision to net charge-offs | 9.6154% | 6,623 |
| Earnings coverage of net charge-offs (x) | 4.4760% | 3,965 |
| Efficiency ratio | 60.5006% | 6,258 |
| Assets per employee ($millions) | 3.6247% | 4,355 |
| Cash dividends to net income (ytd only)* | 131.7234% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6664% | 7,513 |
| Loan loss allowance to noncurrent loans | 21.6117% | 7,159 |
| Noncurrent assets plus other real estate owned to assets | 1.9940% | 2,472 |
| Noncurrent loans to loans | 3.0837% | 1,733 |
| Net loans and leases to total assets | 53.9137% | 6,665 |
| Net loans and leases to deposits | 63.2946% | 6,856 |
| Net loans and leases to core deposits | 73.3368% | 7,005 |
| Total domestic deposits to total assets | 85.1789% | 2,764 |
| Equity capital to assets | 14.4532% | 1,310 |
| Core capital (leverage) ratio | 14.2762% | 1,197 |
| Tier 1 risk-based capital ratio | 30.2544% | 626 |
| Total risk-based capital ratio | 31.0116% | 634 |
| Memoranda: | ||
| Average total assets | $66,849,400 | 6,130 |
| Average earning assets | $60,718,400 | 6,145 |
| Average equity | $9,698,200 | 5,508 |
| Average total loans | $35,482,200 | 6,395 |