Home > The Tri-County Bank > Performance and Condition Ratios
The Tri-County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 2,099 |
| Cost of funding earning assets | 1.7199% | 1,407 |
| Net interest margin | 3.2648% | 2,722 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 3.0235% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3302% | 3,984 |
| Return on assets (ROA) | 0.3444% | 3,959 |
| Pretax return on assets | 0.4079% | 3,949 |
| Return on Equity (ROE) | 6.1900% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.0690% | 2,585 |
| Net charge-offs to loans | 0.0007% | 2,865 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 823.0000% | 180 |
| Efficiency ratio | 88.4231% | 472 |
| Assets per employee ($millions) | 6.0280% | 2,795 |
| Cash dividends to net income (ytd only)* | 18.1564% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,191 |
| Loan loss allowance to noncurrent loans | 3,610.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,558 |
| Noncurrent loans to loans | 0.0337% | 3,488 |
| Net loans and leases to total assets | 67.4700% | 2,093 |
| Net loans and leases to deposits | 75.4828% | 2,504 |
| Net loans and leases to core deposits | 84.8652% | 2,388 |
| Total domestic deposits to total assets | 89.3900% | 948 |
| Equity capital to assets | 5.7062% | 4,294 |
| Core capital (leverage) ratio | 9.0127% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $207,905,000 | 2,936 |
| Average earning assets | $190,180,400 | 2,947 |
| Average equity | $11,560,400 | 3,569 |
| Average total loans | $139,325,200 | 2,778 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8799% | 2,105 |
| Cost of funding earning assets | 1.5931% | 1,383 |
| Net interest margin | 3.2868% | 2,717 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 3.0449% | 996 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.3296% | 4,084 |
| Return on assets (ROA) | 0.3385% | 4,074 |
| Pretax return on assets | 0.3968% | 4,067 |
| Return on Equity (ROE) | 6.1300% | 3,619 |
| Retained earnings to average equity (ytd only) | 5.3075% | 2,844 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.5704% | 426 |
| Assets per employee ($millions) | 5.4180% | 3,246 |
| Cash dividends to net income (ytd only)* | 13.4100% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 1,957 |
| Loan loss allowance to noncurrent loans | 4,630.7692% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,642 |
| Noncurrent loans to loans | 0.0277% | 3,571 |
| Net loans and leases to total assets | 67.5900% | 2,093 |
| Net loans and leases to deposits | 78.5180% | 2,202 |
| Net loans and leases to core deposits | 79.9233% | 2,609 |
| Total domestic deposits to total assets | 86.0800% | 2,162 |
| Equity capital to assets | 4.9178% | 4,264 |
| Core capital (leverage) ratio | 9.0682% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $205,629,250 | 2,953 |
| Average earning assets | $187,977,750 | 2,969 |
| Average equity | $11,354,750 | 3,588 |
| Average total loans | $137,101,000 | 2,805 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 2,193 |
| Cost of funding earning assets | 1.3816% | 1,499 |
| Net interest margin | 3.3233% | 2,703 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 3.0641% | 948 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.3463% | 4,095 |
| Return on assets (ROA) | 0.3571% | 4,099 |
| Pretax return on assets | 0.4223% | 4,084 |
| Return on Equity (ROE) | 6.2400% | 3,640 |
| Retained earnings to average equity (ytd only) | 5.0490% | 2,922 |
| Net charge-offs to loans | -0.0015% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.9609% | 426 |
| Assets per employee ($millions) | 5.8164% | 2,869 |
| Cash dividends to net income (ytd only)* | 19.0736% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 1,940 |
| Loan loss allowance to noncurrent loans | 5,475.7576% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,681 |
| Noncurrent loans to loans | 0.0237% | 3,590 |
| Net loans and leases to total assets | 65.6200% | 2,196 |
| Net loans and leases to deposits | 74.5556% | 2,440 |
| Net loans and leases to core deposits | 75.8257% | 2,768 |
| Total domestic deposits to total assets | 88.0100% | 1,599 |
| Equity capital to assets | 5.5848% | 4,273 |
| Core capital (leverage) ratio | 9.1268% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $205,544,333 | 2,964 |
| Average earning assets | $188,185,000 | 2,971 |
| Average equity | $11,764,667 | 3,558 |
| Average total loans | $135,816,667 | 2,816 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 2,164 |
| Cost of funding earning assets | 1.1250% | 1,679 |
| Net interest margin | 3.4372% | 2,540 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 3.0272% | 1,014 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4729% | 3,963 |
| Return on assets (ROA) | 0.4793% | 3,906 |
| Pretax return on assets | 0.5854% | 3,867 |
| Return on Equity (ROE) | 8.2700% | 3,226 |
| Retained earnings to average equity (ytd only) | 6.9153% | 2,513 |
| Net charge-offs to loans | -0.0030% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.5230% | 615 |
| Assets per employee ($millions) | 5.4009% | 3,317 |
| Cash dividends to net income (ytd only)* | 16.3934% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,687 |
| Loan loss allowance to noncurrent loans | 5,314.7059% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,654 |
| Noncurrent loans to loans | 0.0260% | 3,581 |
| Net loans and leases to total assets | 64.5200% | 2,201 |
| Net loans and leases to deposits | 68.9514% | 2,697 |
| Net loans and leases to core deposits | 69.7984% | 2,967 |
| Total domestic deposits to total assets | 93.5700% | 219 |
| Equity capital to assets | 6.0311% | 4,191 |
| Core capital (leverage) ratio | 9.2071% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $203,621,000 | 3,015 |
| Average earning assets | $186,663,000 | 3,018 |
| Average equity | $11,800,000 | 3,587 |
| Average total loans | $134,121,500 | 2,860 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 1,075 |
| Cost of funding earning assets | 0.5522% | 1,100 |
| Net interest margin | 3.7345% | 1,296 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.8498% | 1,227 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8140% | 3,278 |
| Return on assets (ROA) | 0.8101% | 3,221 |
| Pretax return on assets | 1.0137% | 3,038 |
| Return on Equity (ROE) | 12.6600% | 1,921 |
| Retained earnings to average equity (ytd only) | 11.6476% | 750 |
| Net charge-offs to loans | -0.0038% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.2761% | 1,410 |
| Assets per employee ($millions) | 5.4582% | 3,265 |
| Cash dividends to net income (ytd only)* | 7.9706% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,371 |
| Loan loss allowance to noncurrent loans | 2,039.5062% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 3,412 |
| Noncurrent loans to loans | 0.0589% | 3,334 |
| Net loans and leases to total assets | 65.5000% | 2,089 |
| Net loans and leases to deposits | 69.6857% | 2,608 |
| Net loans and leases to core deposits | 70.2885% | 2,855 |
| Total domestic deposits to total assets | 94.0000% | 243 |
| Equity capital to assets | 5.5677% | 4,225 |
| Core capital (leverage) ratio | 9.0861% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $201,344,200 | 3,040 |
| Average earning assets | $185,996,200 | 3,032 |
| Average equity | $12,886,800 | 3,583 |
| Average total loans | $132,277,000 | 2,797 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 853 |
| Cost of funding earning assets | 0.4306% | 1,095 |
| Net interest margin | 3.7914% | 961 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.8137% | 1,226 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8719% | 2,998 |
| Return on assets (ROA) | 0.8687% | 2,977 |
| Pretax return on assets | 1.0916% | 2,752 |
| Return on Equity (ROE) | 13.1300% | 1,661 |
| Retained earnings to average equity (ytd only) | 12.2222% | 745 |
| Net charge-offs to loans | -0.0020% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.6129% | 1,691 |
| Assets per employee ($millions) | 5.2952% | 3,424 |
| Cash dividends to net income (ytd only)* | 6.9124% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,547 |
| Loan loss allowance to noncurrent loans | 4,477.7778% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,771 |
| Noncurrent loans to loans | 0.0267% | 3,710 |
| Net loans and leases to total assets | 66.1100% | 1,879 |
| Net loans and leases to deposits | 71.9735% | 2,205 |
| Net loans and leases to core deposits | 72.7290% | 2,435 |
| Total domestic deposits to total assets | 91.8600% | 923 |
| Equity capital to assets | 5.0955% | 4,266 |
| Core capital (leverage) ratio | 9.0158% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $199,827,750 | 3,069 |
| Average earning assets | $185,468,500 | 3,055 |
| Average equity | $13,221,500 | 3,595 |
| Average total loans | $130,968,250 | 2,817 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 830 |
| Cost of funding earning assets | 0.3265% | 1,468 |
| Net interest margin | 3.7387% | 856 |
| Noninterest income to average assets | 0.5066% | 2,165 |
| Noninterest expense to average assets | 2.7969% | 1,179 |
| Loan and lease loss provision to assets | 0.0752% | 1,282 |
| Net operating income to assets | 0.8892% | 2,627 |
| Return on assets (ROA) | 0.8828% | 2,631 |
| Pretax return on assets | 1.1075% | 2,380 |
| Return on Equity (ROE) | 12.3848% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.5404% | 688 |
| Net charge-offs to loans | 0.0863% | 637 |
| Credit loss provision to net charge-offs | 133.9286% | 1,142 |
| Earnings coverage of net charge-offs (x) | 21.1964% | 1,534 |
| Efficiency ratio | 70.1384% | 1,941 |
| Assets per employee ($millions) | 5.8725% | 2,852 |
| Cash dividends to net income (ytd only)* | 6.8182% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,943 |
| Loan loss allowance to noncurrent loans | 154.8519% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 1,191 |
| Noncurrent loans to loans | 0.7405% | 1,164 |
| Net loans and leases to total assets | 63.5884% | 1,952 |
| Net loans and leases to deposits | 68.8879% | 2,311 |
| Net loans and leases to core deposits | 69.7165% | 2,504 |
| Total domestic deposits to total assets | 92.3071% | 724 |
| Equity capital to assets | 5.8884% | 4,238 |
| Core capital (leverage) ratio | 8.8947% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,365,000 | 3,101 |
| Average earning assets | $185,626,000 | 3,096 |
| Average equity | $14,211,000 | 3,564 |
| Average total loans | $129,742,667 | 2,847 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9967% | 780 |
| Cost of funding earning assets | 0.3139% | 1,525 |
| Net interest margin | 3.6828% | 770 |
| Noninterest income to average assets | 0.4667% | 2,318 |
| Noninterest expense to average assets | 2.8266% | 1,110 |
| Loan and lease loss provision to assets | 0.0774% | 1,061 |
| Net operating income to assets | 0.8217% | 2,588 |
| Return on assets (ROA) | 0.8152% | 2,602 |
| Pretax return on assets | 1.0210% | 2,376 |
| Return on Equity (ROE) | 10.4815% | 1,802 |
| Retained earnings to average equity (ytd only) | 9.6954% | 1,096 |
| Net charge-offs to loans | -0.0031% | 3,201 |
| Credit loss provision to net charge-offs | -3,800.0000% | 3,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8653% | 1,993 |
| Assets per employee ($millions) | 5.8516% | 2,942 |
| Cash dividends to net income (ytd only)* | 7.5000% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,819 |
| Loan loss allowance to noncurrent loans | 161.6842% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 1,271 |
| Noncurrent loans to loans | 0.7468% | 1,272 |
| Net loans and leases to total assets | 63.1633% | 1,723 |
| Net loans and leases to deposits | 68.2004% | 2,133 |
| Net loans and leases to core deposits | 69.2745% | 2,352 |
| Total domestic deposits to total assets | 92.6144% | 378 |
| Equity capital to assets | 6.9604% | 4,232 |
| Core capital (leverage) ratio | 8.7487% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,278,000 | 3,130 |
| Average earning assets | $184,751,000 | 3,113 |
| Average equity | $15,265,000 | 3,538 |
| Average total loans | $128,506,500 | 2,865 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 217 |
| Cost of funding earning assets | 0.3672% | 1,788 |
| Net interest margin | 4.7642% | 184 |
| Noninterest income to average assets | 0.4559% | 2,783 |
| Noninterest expense to average assets | 2.7906% | 1,385 |
| Loan and lease loss provision to assets | 0.0640% | 1,789 |
| Net operating income to assets | 1.6466% | 713 |
| Return on assets (ROA) | 1.6374% | 766 |
| Pretax return on assets | 2.0650% | 537 |
| Return on Equity (ROE) | 19.6990% | 325 |
| Retained earnings to average equity (ytd only) | 18.1595% | 89 |
| Net charge-offs to loans | 0.0047% | 2,429 |
| Credit loss provision to net charge-offs | 2,000.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 669.1667% | 218 |
| Efficiency ratio | 56.5899% | 3,631 |
| Assets per employee ($millions) | 5.6942% | 3,064 |
| Cash dividends to net income (ytd only)* | 7.8150% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 66.2772% | 1,442 |
| Net loans and leases to deposits | 72.9492% | 1,817 |
| Net loans and leases to core deposits | 74.2674% | 2,057 |
| Total domestic deposits to total assets | 90.8539% | 551 |
| Equity capital to assets | 8.6166% | 3,970 |
| Core capital (leverage) ratio | 9.1068% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,558,600 | 3,149 |
| Average earning assets | $176,190,600 | 3,123 |
| Average equity | $15,589,600 | 3,578 |
| Average total loans | $127,806,600 | 2,883 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 215 |
| Cost of funding earning assets | 0.3826% | 1,838 |
| Net interest margin | 4.8430% | 186 |
| Noninterest income to average assets | 0.4601% | 2,796 |
| Noninterest expense to average assets | 2.7820% | 1,386 |
| Loan and lease loss provision to assets | 0.0645% | 1,707 |
| Net operating income to assets | 1.7125% | 809 |
| Return on assets (ROA) | 1.7221% | 820 |
| Pretax return on assets | 2.1707% | 581 |
| Return on Equity (ROE) | 20.9181% | 366 |
| Retained earnings to average equity (ytd only) | 19.8735% | 134 |
| Net charge-offs to loans | 0.0073% | 2,046 |
| Credit loss provision to net charge-offs | 1,285.7143% | 448 |
| Earnings coverage of net charge-offs (x) | 443.1429% | 333 |
| Efficiency ratio | 55.5842% | 3,580 |
| Assets per employee ($millions) | 5.6401% | 3,054 |
| Cash dividends to net income (ytd only)* | 4.9938% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.8604% | 1,213 |
| Net loans and leases to deposits | 77.8267% | 1,499 |
| Net loans and leases to core deposits | 79.5784% | 1,774 |
| Total domestic deposits to total assets | 88.4791% | 1,575 |
| Equity capital to assets | 8.8764% | 3,941 |
| Core capital (leverage) ratio | 8.7535% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,047,750 | 3,193 |
| Average earning assets | $174,597,250 | 3,173 |
| Average equity | $15,316,500 | 3,646 |
| Average total loans | $127,305,500 | 2,920 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 249 |
| Cost of funding earning assets | 0.3998% | 1,890 |
| Net interest margin | 4.8126% | 220 |
| Noninterest income to average assets | 0.4322% | 2,945 |
| Noninterest expense to average assets | 2.6749% | 1,652 |
| Loan and lease loss provision to assets | 0.0645% | 1,752 |
| Net operating income to assets | 1.7574% | 784 |
| Return on assets (ROA) | 1.7256% | 879 |
| Pretax return on assets | 2.1696% | 608 |
| Return on Equity (ROE) | 21.5220% | 348 |
| Retained earnings to average equity (ytd only) | 20.7174% | 142 |
| Net charge-offs to loans | 0.0111% | 1,741 |
| Credit loss provision to net charge-offs | 857.1429% | 513 |
| Earnings coverage of net charge-offs (x) | 302.1429% | 371 |
| Efficiency ratio | 54.0517% | 3,798 |
| Assets per employee ($millions) | 6.0501% | 2,564 |
| Cash dividends to net income (ytd only)* | 3.7383% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.5909% | 1,248 |
| Net loans and leases to deposits | 82.5238% | 1,171 |
| Net loans and leases to core deposits | 84.1389% | 1,551 |
| Total domestic deposits to total assets | 84.3282% | 3,334 |
| Equity capital to assets | 8.0990% | 4,479 |
| Core capital (leverage) ratio | 8.3017% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,022,667 | 3,203 |
| Average earning assets | $174,583,333 | 3,180 |
| Average equity | $14,915,000 | 3,688 |
| Average total loans | $126,530,333 | 2,940 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 630 |
| Cost of funding earning assets | 0.4241% | 1,906 |
| Net interest margin | 4.2013% | 596 |
| Noninterest income to average assets | 0.4566% | 2,803 |
| Noninterest expense to average assets | 2.6823% | 1,662 |
| Loan and lease loss provision to assets | 0.0658% | 1,827 |
| Net operating income to assets | 1.3082% | 1,803 |
| Return on assets (ROA) | 1.2731% | 1,989 |
| Pretax return on assets | 1.6002% | 1,724 |
| Return on Equity (ROE) | 15.9642% | 1,021 |
| Retained earnings to average equity (ytd only) | 15.1385% | 615 |
| Net charge-offs to loans | 0.0066% | 1,663 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 389.5000% | 235 |
| Efficiency ratio | 61.0695% | 2,900 |
| Assets per employee ($millions) | 5.8094% | 2,785 |
| Cash dividends to net income (ytd only)* | 5.1724% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,355 |
| Loan loss allowance to noncurrent loans | 1,068.9394% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,865 |
| Noncurrent loans to loans | 0.1043% | 3,786 |
| Net loans and leases to total assets | 67.3068% | 1,621 |
| Net loans and leases to deposits | 75.4555% | 1,972 |
| Net loans and leases to core deposits | 76.8584% | 2,281 |
| Total domestic deposits to total assets | 89.2007% | 1,240 |
| Equity capital to assets | 7.7439% | 4,616 |
| Core capital (leverage) ratio | 8.2829% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,232,500 | 3,234 |
| Average earning assets | $170,710,000 | 3,203 |
| Average equity | $14,532,500 | 3,741 |
| Average total loans | $121,712,500 | 3,000 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 452 |
| Cost of funding earning assets | 0.7389% | 1,514 |
| Net interest margin | 4.3034% | 508 |
| Noninterest income to average assets | 0.6075% | 2,191 |
| Noninterest expense to average assets | 3.1480% | 1,148 |
| Loan and lease loss provision to assets | 0.0569% | 3,656 |
| Net operating income to assets | 1.1238% | 1,822 |
| Return on assets (ROA) | 1.1182% | 1,964 |
| Pretax return on assets | 1.4014% | 1,652 |
| Return on Equity (ROE) | 12.9624% | 1,049 |
| Retained earnings to average equity (ytd only) | 12.0098% | 311 |
| Net charge-offs to loans | 0.0072% | 3,080 |
| Credit loss provision to net charge-offs | 1,125.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 289.7500% | 353 |
| Efficiency ratio | 68.2379% | 2,204 |
| Assets per employee ($millions) | 5.9521% | 2,381 |
| Cash dividends to net income (ytd only)* | 7.3488% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 3,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 64.6866% | 2,277 |
| Net loans and leases to deposits | 73.3001% | 2,564 |
| Net loans and leases to core deposits | 74.5846% | 2,855 |
| Total domestic deposits to total assets | 88.2490% | 1,350 |
| Equity capital to assets | 8.2150% | 4,615 |
| Core capital (leverage) ratio | 8.4126% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,195,000 | 3,309 |
| Average earning assets | $147,255,400 | 3,296 |
| Average equity | $13,647,200 | 3,804 |
| Average total loans | $110,734,600 | 3,090 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 435 |
| Cost of funding earning assets | 0.8191% | 1,403 |
| Net interest margin | 4.3569% | 514 |
| Noninterest income to average assets | 0.6418% | 2,015 |
| Noninterest expense to average assets | 3.1281% | 1,186 |
| Loan and lease loss provision to assets | 0.0784% | 3,336 |
| Net operating income to assets | 1.1898% | 1,670 |
| Return on assets (ROA) | 1.1800% | 1,830 |
| Pretax return on assets | 1.4761% | 1,499 |
| Return on Equity (ROE) | 13.4906% | 980 |
| Retained earnings to average equity (ytd only) | 13.1919% | 315 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6296% | 2,381 |
| Assets per employee ($millions) | 5.4871% | 2,722 |
| Cash dividends to net income (ytd only)* | 2.2140% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,336 |
| Loan loss allowance to noncurrent loans | 23,183.3333% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 4,515 |
| Noncurrent loans to loans | 0.0054% | 4,434 |
| Net loans and leases to total assets | 66.0511% | 2,513 |
| Net loans and leases to deposits | 74.4264% | 2,916 |
| Net loans and leases to core deposits | 75.6858% | 3,198 |
| Total domestic deposits to total assets | 88.7469% | 878 |
| Equity capital to assets | 8.6938% | 4,338 |
| Core capital (leverage) ratio | 8.4892% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3933% | 2,822 |
| Memoranda: | ||
| Average total assets | $153,102,750 | 3,347 |
| Average earning assets | $142,421,250 | 3,339 |
| Average equity | $13,391,750 | 3,831 |
| Average total loans | $109,195,750 | 3,115 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 371 |
| Cost of funding earning assets | 0.9143% | 1,306 |
| Net interest margin | 4.5313% | 472 |
| Noninterest income to average assets | 0.7155% | 1,687 |
| Noninterest expense to average assets | 3.2184% | 1,129 |
| Loan and lease loss provision to assets | 0.0804% | 3,283 |
| Net operating income to assets | 1.2959% | 1,367 |
| Return on assets (ROA) | 1.2756% | 1,537 |
| Pretax return on assets | 1.5945% | 1,238 |
| Return on Equity (ROE) | 14.5506% | 785 |
| Retained earnings to average equity (ytd only) | 14.0921% | 272 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4318% | 2,599 |
| Assets per employee ($millions) | 5.3827% | 2,753 |
| Cash dividends to net income (ytd only)* | 3.1513% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,514 |
| Loan loss allowance to noncurrent loans | 297.1616% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 3,188 |
| Noncurrent loans to loans | 0.4040% | 2,960 |
| Net loans and leases to total assets | 69.3630% | 2,133 |
| Net loans and leases to deposits | 77.8969% | 2,668 |
| Net loans and leases to core deposits | 78.4573% | 3,070 |
| Total domestic deposits to total assets | 89.0445% | 726 |
| Equity capital to assets | 8.6307% | 4,402 |
| Core capital (leverage) ratio | 8.6003% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8915% | 2,995 |
| Memoranda: | ||
| Average total assets | $149,266,333 | 3,371 |
| Average earning assets | $138,460,000 | 3,367 |
| Average equity | $13,085,333 | 3,862 |
| Average total loans | $108,888,000 | 3,118 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3418% | 504 |
| Cost of funding earning assets | 1.1059% | 1,027 |
| Net interest margin | 4.2359% | 854 |
| Noninterest income to average assets | 0.5644% | 2,210 |
| Noninterest expense to average assets | 3.3110% | 1,205 |
| Loan and lease loss provision to assets | 0.0838% | 2,647 |
| Net operating income to assets | 0.8824% | 2,576 |
| Return on assets (ROA) | 0.7907% | 3,026 |
| Pretax return on assets | 0.9640% | 2,953 |
| Return on Equity (ROE) | 8.9419% | 2,135 |
| Retained earnings to average equity (ytd only) | 7.9940% | 1,236 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0625% | 1,804 |
| Assets per employee ($millions) | 4.7575% | 2,922 |
| Cash dividends to net income (ytd only)* | 10.6007% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,370 |
| Loan loss allowance to noncurrent loans | 281.3953% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,117 |
| Noncurrent loans to loans | 0.4456% | 2,917 |
| Net loans and leases to total assets | 73.4482% | 1,702 |
| Net loans and leases to deposits | 84.3192% | 2,188 |
| Net loans and leases to core deposits | 85.8811% | 2,691 |
| Total domestic deposits to total assets | 87.1074% | 1,516 |
| Equity capital to assets | 8.8667% | 4,665 |
| Core capital (leverage) ratio | 9.0123% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3542% | 2,988 |
| Memoranda: | ||
| Average total assets | $143,159,000 | 3,425 |
| Average earning assets | $132,015,500 | 3,421 |
| Average equity | $12,659,500 | 3,922 |
| Average total loans | $106,647,500 | 3,129 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 688 |
| Cost of funding earning assets | 1.2265% | 957 |
| Net interest margin | 4.1577% | 1,404 |
| Noninterest income to average assets | 0.6469% | 2,018 |
| Noninterest expense to average assets | 3.1443% | 1,656 |
| Loan and lease loss provision to assets | 0.1015% | 2,028 |
| Net operating income to assets | 1.0006% | 2,849 |
| Return on assets (ROA) | 1.0223% | 2,850 |
| Pretax return on assets | 1.2810% | 2,568 |
| Return on Equity (ROE) | 11.3836% | 1,735 |
| Retained earnings to average equity (ytd only) | 10.3784% | 422 |
| Net charge-offs to loans | 0.0166% | 3,126 |
| Credit loss provision to net charge-offs | 794.1176% | 416 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 651 |
| Efficiency ratio | 69.8763% | 2,191 |
| Assets per employee ($millions) | 5.1283% | 2,422 |
| Cash dividends to net income (ytd only)* | 8.8300% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,349 |
| Loan loss allowance to noncurrent loans | 16,262.5000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,651 |
| Noncurrent loans to loans | 0.0075% | 4,565 |
| Net loans and leases to total assets | 73.7041% | 1,801 |
| Net loans and leases to deposits | 86.9402% | 1,978 |
| Net loans and leases to core deposits | 87.9517% | 2,610 |
| Total domestic deposits to total assets | 84.7757% | 2,584 |
| Equity capital to assets | 8.8194% | 4,780 |
| Core capital (leverage) ratio | 8.9909% | 4,535 |
| Tier 1 risk-based capital ratio | 10.9165% | 4,883 |
| Total risk-based capital ratio | 12.0805% | 4,823 |
| Memoranda: | ||
| Average total assets | $132,940,400 | 3,524 |
| Average earning assets | $123,193,000 | 3,517 |
| Average equity | $11,938,200 | 4,002 |
| Average total loans | $102,709,800 | 3,193 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 687 |
| Cost of funding earning assets | 1.2453% | 926 |
| Net interest margin | 4.1583% | 1,475 |
| Noninterest income to average assets | 0.6386% | 2,036 |
| Noninterest expense to average assets | 3.1737% | 1,519 |
| Loan and lease loss provision to assets | 0.1382% | 1,399 |
| Net operating income to assets | 0.9518% | 3,161 |
| Return on assets (ROA) | 0.9845% | 3,115 |
| Pretax return on assets | 1.2261% | 2,896 |
| Return on Equity (ROE) | 10.9097% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.8891% | 780 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5735% | 2,041 |
| Assets per employee ($millions) | 4.9099% | 2,653 |
| Cash dividends to net income (ytd only)* | 9.3558% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,169 |
| Loan loss allowance to noncurrent loans | 10,138.4615% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,716 |
| Noncurrent loans to loans | 0.0124% | 4,624 |
| Net loans and leases to total assets | 75.0707% | 1,637 |
| Net loans and leases to deposits | 86.8254% | 2,086 |
| Net loans and leases to core deposits | 87.8550% | 2,751 |
| Total domestic deposits to total assets | 86.4617% | 1,788 |
| Equity capital to assets | 8.9673% | 4,799 |
| Core capital (leverage) ratio | 9.1693% | 4,504 |
| Tier 1 risk-based capital ratio | 10.9447% | 4,938 |
| Total risk-based capital ratio | 12.1657% | 4,834 |
| Memoranda: | ||
| Average total assets | $130,277,250 | 3,595 |
| Average earning assets | $120,878,750 | 3,591 |
| Average equity | $11,756,750 | 4,067 |
| Average total loans | $101,603,500 | 3,246 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4189% | 655 |
| Cost of funding earning assets | 1.2290% | 922 |
| Net interest margin | 4.1899% | 1,393 |
| Noninterest income to average assets | 0.6365% | 1,989 |
| Noninterest expense to average assets | 3.2359% | 1,436 |
| Loan and lease loss provision to assets | 0.1408% | 1,317 |
| Net operating income to assets | 0.9400% | 3,131 |
| Return on assets (ROA) | 0.9838% | 3,046 |
| Pretax return on assets | 1.2230% | 2,833 |
| Return on Equity (ROE) | 10.8764% | 2,028 |
| Retained earnings to average equity (ytd only) | 9.8389% | 807 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1975% | 2,036 |
| Assets per employee ($millions) | 4.4862% | 3,163 |
| Cash dividends to net income (ytd only)* | 9.5390% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,235 |
| Loan loss allowance to noncurrent loans | 2,086.8852% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,535 |
| Noncurrent loans to loans | 0.0600% | 4,414 |
| Net loans and leases to total assets | 77.1422% | 1,367 |
| Net loans and leases to deposits | 89.9495% | 1,749 |
| Net loans and leases to core deposits | 90.7818% | 2,532 |
| Total domestic deposits to total assets | 85.7617% | 2,150 |
| Equity capital to assets | 9.2467% | 4,616 |
| Core capital (leverage) ratio | 9.1435% | 4,513 |
| Tier 1 risk-based capital ratio | 10.9650% | 4,925 |
| Total risk-based capital ratio | 12.1453% | 4,873 |
| Memoranda: | ||
| Average total assets | $127,877,330 | 3,648 |
| Average earning assets | $119,287,000 | 3,631 |
| Average equity | $11,566,330 | 4,103 |
| Average total loans | $100,630,330 | 3,280 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2815% | 782 |
| Cost of funding earning assets | 1.2037% | 895 |
| Net interest margin | 4.0778% | 1,614 |
| Noninterest income to average assets | 0.4796% | 2,679 |
| Noninterest expense to average assets | 3.2091% | 1,478 |
| Loan and lease loss provision to assets | 0.1420% | 1,206 |
| Net operating income to assets | 0.7510% | 3,767 |
| Return on assets (ROA) | 0.7510% | 3,815 |
| Pretax return on assets | 0.9340% | 3,658 |
| Return on Equity (ROE) | 8.3991% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.3404% | 1,905 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8895% | 1,625 |
| Assets per employee ($millions) | 4.5140% | 3,168 |
| Cash dividends to net income (ytd only)* | 12.6050% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,416 |
| Loan loss allowance to noncurrent loans | 2,154.3860% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,603 |
| Noncurrent loans to loans | 0.0572% | 4,510 |
| Net loans and leases to total assets | 77.8592% | 1,181 |
| Net loans and leases to deposits | 88.4192% | 1,820 |
| Net loans and leases to core deposits | 89.2370% | 2,583 |
| Total domestic deposits to total assets | 88.0569% | 1,308 |
| Equity capital to assets | 9.1027% | 4,614 |
| Core capital (leverage) ratio | 9.1026% | 4,569 |
| Tier 1 risk-based capital ratio | 11.0099% | 4,968 |
| Total risk-based capital ratio | 12.1864% | 4,912 |
| Memoranda: | ||
| Average total assets | $126,766,000 | 3,700 |
| Average earning assets | $118,299,000 | 3,682 |
| Average equity | $11,334,500 | 4,147 |
| Average total loans | $100,128,000 | 3,325 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 675 |
| Cost of funding earning assets | 0.8743% | 1,194 |
| Net interest margin | 4.3457% | 1,052 |
| Noninterest income to average assets | 0.5832% | 2,384 |
| Noninterest expense to average assets | 3.2369% | 1,460 |
| Loan and lease loss provision to assets | 0.1440% | 1,492 |
| Net operating income to assets | 1.0085% | 2,967 |
| Return on assets (ROA) | 1.0085% | 2,954 |
| Pretax return on assets | 1.2462% | 2,710 |
| Return on Equity (ROE) | 11.5713% | 1,878 |
| Retained earnings to average equity (ytd only) | 10.7218% | 482 |
| Net charge-offs to loans | 0.0221% | 2,982 |
| Credit loss provision to net charge-offs | 833.3333% | 431 |
| Earnings coverage of net charge-offs (x) | 80.4762% | 858 |
| Efficiency ratio | 69.9556% | 2,193 |
| Assets per employee ($millions) | 4.5408% | 3,104 |
| Cash dividends to net income (ytd only)* | 7.3409% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 2,689 |
| Loan loss allowance to noncurrent loans | 406.5292% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 3,689 |
| Noncurrent loans to loans | 0.2892% | 3,530 |
| Net loans and leases to total assets | 78.2108% | 1,242 |
| Net loans and leases to deposits | 94.2371% | 1,250 |
| Net loans and leases to core deposits | 95.1532% | 2,119 |
| Total domestic deposits to total assets | 82.9937% | 3,332 |
| Equity capital to assets | 8.7808% | 4,747 |
| Core capital (leverage) ratio | 8.9274% | 4,715 |
| Tier 1 risk-based capital ratio | 10.8065% | 5,064 |
| Total risk-based capital ratio | 11.9394% | 5,009 |
| Memoranda: | ||
| Average total assets | $121,565,200 | 3,764 |
| Average earning assets | $113,123,400 | 3,756 |
| Average equity | $10,595,200 | 4,216 |
| Average total loans | $95,114,400 | 3,386 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1480% | 692 |
| Cost of funding earning assets | 0.7734% | 1,458 |
| Net interest margin | 4.3746% | 953 |
| Noninterest income to average assets | 0.5958% | 2,331 |
| Noninterest expense to average assets | 3.2431% | 1,422 |
| Loan and lease loss provision to assets | 0.1054% | 1,907 |
| Net operating income to assets | 1.0696% | 2,786 |
| Return on assets (ROA) | 1.0696% | 2,797 |
| Pretax return on assets | 1.3203% | 2,542 |
| Return on Equity (ROE) | 12.2960% | 1,682 |
| Retained earnings to average equity (ytd only) | 11.1480% | 612 |
| Net charge-offs to loans | 0.0057% | 3,234 |
| Credit loss provision to net charge-offs | 2,375.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 321.4428% | 293 |
| Efficiency ratio | 69.4629% | 2,275 |
| Assets per employee ($millions) | 4.5071% | 3,116 |
| Cash dividends to net income (ytd only)* | 9.3363% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,019 |
| Loan loss allowance to noncurrent loans | 191.7808% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 2,838 |
| Noncurrent loans to loans | 0.5895% | 2,610 |
| Net loans and leases to total assets | 77.6098% | 1,397 |
| Net loans and leases to deposits | 96.5345% | 1,089 |
| Net loans and leases to core deposits | 97.7582% | 1,957 |
| Total domestic deposits to total assets | 80.3959% | 4,021 |
| Equity capital to assets | 8.5104% | 4,915 |
| Core capital (leverage) ratio | 8.8735% | 4,827 |
| Tier 1 risk-based capital ratio | 10.7638% | 5,145 |
| Total risk-based capital ratio | 11.8575% | 5,120 |
| Memoranda: | ||
| Average total assets | $120,171,250 | 3,824 |
| Average earning assets | $111,885,000 | 3,819 |
| Average equity | $10,453,000 | 4,282 |
| Average total loans | $93,737,750 | 3,432 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 715 |
| Cost of funding earning assets | 0.6895% | 1,685 |
| Net interest margin | 4.3719% | 901 |
| Noninterest income to average assets | 0.6347% | 2,157 |
| Noninterest expense to average assets | 3.2785% | 1,374 |
| Loan and lease loss provision to assets | 0.1016% | 1,916 |
| Net operating income to assets | 1.0731% | 2,700 |
| Return on assets (ROA) | 1.0731% | 2,702 |
| Pretax return on assets | 1.3219% | 2,427 |
| Return on Equity (ROE) | 12.2425% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.0839% | 652 |
| Net charge-offs to loans | 0.0065% | 2,907 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 280.3333% | 318 |
| Efficiency ratio | 69.7264% | 2,361 |
| Assets per employee ($millions) | 4.1256% | 3,687 |
| Cash dividends to net income (ytd only)* | 9.4637% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,093 |
| Loan loss allowance to noncurrent loans | 450.6224% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 4,016 |
| Noncurrent loans to loans | 0.2508% | 3,800 |
| Net loans and leases to total assets | 76.7721% | 1,513 |
| Net loans and leases to deposits | 92.0032% | 1,578 |
| Net loans and leases to core deposits | 108.5670% | 1,083 |
| Total domestic deposits to total assets | 83.4450% | 3,266 |
| Equity capital to assets | 8.5466% | 4,911 |
| Core capital (leverage) ratio | 9.0606% | 4,632 |
| Tier 1 risk-based capital ratio | 9.6958% | 5,479 |
| Total risk-based capital ratio | 10.6778% | 5,488 |
| Memoranda: | ||
| Average total assets | $118,162,330 | 3,888 |
| Average earning assets | $109,929,670 | 3,874 |
| Average equity | $10,357,330 | 4,330 |
| Average total loans | $91,963,000 | 3,483 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 615 |
| Cost of funding earning assets | 0.6016% | 2,047 |
| Net interest margin | 4.4650% | 662 |
| Noninterest income to average assets | 0.6345% | 2,105 |
| Noninterest expense to average assets | 3.4120% | 1,145 |
| Loan and lease loss provision to assets | 0.1040% | 1,784 |
| Net operating income to assets | 1.0229% | 2,764 |
| Return on assets (ROA) | 1.0229% | 2,786 |
| Pretax return on assets | 1.2621% | 2,502 |
| Return on Equity (ROE) | 11.5156% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.3445% | 1,056 |
| Net charge-offs to loans | -0.0356% | 4,819 |
| Credit loss provision to net charge-offs | -375.0000% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4078% | 2,278 |
| Assets per employee ($millions) | 4.1445% | 3,737 |
| Cash dividends to net income (ytd only)* | 10.1695% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 2,938 |
| Loan loss allowance to noncurrent loans | 430.2419% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,024 |
| Noncurrent loans to loans | 0.2741% | 3,789 |
| Net loans and leases to total assets | 77.0358% | 1,385 |
| Net loans and leases to deposits | 87.3504% | 2,009 |
| Net loans and leases to core deposits | 100.5364% | 1,646 |
| Total domestic deposits to total assets | 88.1918% | 1,510 |
| Equity capital to assets | 8.8542% | 4,702 |
| Core capital (leverage) ratio | 9.1122% | 4,554 |
| Tier 1 risk-based capital ratio | 10.9244% | 5,170 |
| Total risk-based capital ratio | 12.0439% | 5,141 |
| Memoranda: | ||
| Average total assets | $115,359,000 | 3,976 |
| Average earning assets | $107,054,000 | 3,970 |
| Average equity | $10,247,000 | 4,394 |
| Average total loans | $89,891,500 | 3,544 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 833 |
| Cost of funding earning assets | 0.4934% | 2,393 |
| Net interest margin | 4.3881% | 788 |
| Noninterest income to average assets | 0.6446% | 2,230 |
| Noninterest expense to average assets | 3.5807% | 921 |
| Loan and lease loss provision to assets | 0.1099% | 2,051 |
| Net operating income to assets | 0.9030% | 2,696 |
| Return on assets (ROA) | 0.9046% | 2,710 |
| Pretax return on assets | 1.0355% | 3,433 |
| Return on Equity (ROE) | 10.2108% | 1,805 |
| Retained earnings to average equity (ytd only) | 8.9706% | 515 |
| Net charge-offs to loans | -0.0012% | 4,499 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7946% | 1,652 |
| Assets per employee ($millions) | 4.0954% | 3,819 |
| Cash dividends to net income (ytd only)* | 12.1457% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 3,043 |
| Loan loss allowance to noncurrent loans | 2,940.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 4,988 |
| Noncurrent loans to loans | 0.0392% | 4,832 |
| Net loans and leases to total assets | 76.9935% | 1,431 |
| Net loans and leases to deposits | 85.6536% | 2,305 |
| Net loans and leases to core deposits | 105.2738% | 1,318 |
| Total domestic deposits to total assets | 89.8894% | 607 |
| Equity capital to assets | 8.9115% | 4,808 |
| Core capital (leverage) ratio | 8.9713% | 4,684 |
| Tier 1 risk-based capital ratio | 10.9653% | 5,169 |
| Total risk-based capital ratio | 12.0773% | 5,131 |
| Memoranda: | ||
| Average total assets | $109,223,000 | 4,078 |
| Average earning assets | $101,548,200 | 4,071 |
| Average equity | $9,676,000 | 4,499 |
| Average total loans | $84,033,600 | 3,659 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 811 |
| Cost of funding earning assets | 0.4558% | 2,655 |
| Net interest margin | 4.4107% | 715 |
| Noninterest income to average assets | 0.5797% | 2,585 |
| Noninterest expense to average assets | 3.5959% | 875 |
| Loan and lease loss provision to assets | 0.1113% | 1,924 |
| Net operating income to assets | 0.7213% | 3,867 |
| Return on assets (ROA) | 0.7231% | 3,921 |
| Pretax return on assets | 0.9778% | 3,773 |
| Return on Equity (ROE) | 8.1757% | 3,031 |
| Retained earnings to average equity (ytd only) | 6.7781% | 1,807 |
| Net charge-offs to loans | -0.0016% | 4,300 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7951% | 1,486 |
| Assets per employee ($millions) | 3.7561% | 4,363 |
| Cash dividends to net income (ytd only)* | 17.0940% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,248 |
| Loan loss allowance to noncurrent loans | 2,436.5854% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,051 |
| Noncurrent loans to loans | 0.0468% | 4,903 |
| Net loans and leases to total assets | 76.8304% | 1,447 |
| Net loans and leases to deposits | 94.3308% | 1,263 |
| Net loans and leases to core deposits | 110.0974% | 1,022 |
| Total domestic deposits to total assets | 81.4478% | 3,932 |
| Equity capital to assets | 8.7716% | 5,103 |
| Core capital (leverage) ratio | 8.7361% | 5,023 |
| Tier 1 risk-based capital ratio | 10.7078% | 5,369 |
| Total risk-based capital ratio | 11.8033% | 5,364 |
| Memoranda: | ||
| Average total assets | $107,860,750 | 4,142 |
| Average earning assets | $100,328,500 | 4,129 |
| Average equity | $9,540,250 | 4,567 |
| Average total loans | $82,712,250 | 3,709 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 937 |
| Cost of funding earning assets | 0.4051% | 3,020 |
| Net interest margin | 4.3593% | 753 |
| Noninterest income to average assets | 0.5835% | 2,541 |
| Noninterest expense to average assets | 3.6723% | 803 |
| Loan and lease loss provision to assets | 0.1129% | 1,813 |
| Net operating income to assets | 0.6661% | 3,997 |
| Return on assets (ROA) | 0.6852% | 3,977 |
| Pretax return on assets | 0.8734% | 4,020 |
| Return on Equity (ROE) | 7.7236% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.6627% | 1,760 |
| Net charge-offs to loans | -0.0025% | 4,199 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2445% | 1,300 |
| Assets per employee ($millions) | 3.6393% | 4,521 |
| Cash dividends to net income (ytd only)* | 13.7363% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,323 |
| Loan loss allowance to noncurrent loans | 2,307.1429% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 5,096 |
| Noncurrent loans to loans | 0.0498% | 4,941 |
| Net loans and leases to total assets | 76.3746% | 1,487 |
| Net loans and leases to deposits | 91.7700% | 1,530 |
| Net loans and leases to core deposits | 104.1310% | 1,344 |
| Total domestic deposits to total assets | 83.2239% | 3,495 |
| Equity capital to assets | 8.9037% | 4,983 |
| Core capital (leverage) ratio | 8.9277% | 4,805 |
| Tier 1 risk-based capital ratio | 11.3640% | 5,044 |
| Total risk-based capital ratio | 12.5118% | 4,995 |
| Memoranda: | ||
| Average total assets | $106,253,670 | 4,201 |
| Average earning assets | $98,732,330 | 4,188 |
| Average equity | $9,425,670 | 4,603 |
| Average total loans | $81,092,000 | 3,766 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 931 |
| Cost of funding earning assets | 0.3294% | 3,749 |
| Net interest margin | 4.3766% | 664 |
| Noninterest income to average assets | 0.6069% | 2,383 |
| Noninterest expense to average assets | 3.5652% | 952 |
| Loan and lease loss provision to assets | 0.1145% | 1,673 |
| Net operating income to assets | 0.7596% | 3,432 |
| Return on assets (ROA) | 0.7596% | 3,486 |
| Pretax return on assets | 0.9848% | 3,428 |
| Return on Equity (ROE) | 8.5794% | 2,624 |
| Retained earnings to average equity (ytd only) | 6.4238% | 2,125 |
| Net charge-offs to loans | -0.0050% | 4,186 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4321% | 1,846 |
| Assets per employee ($millions) | 3.4769% | 4,824 |
| Cash dividends to net income (ytd only)* | 25.1256% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 3,193 |
| Loan loss allowance to noncurrent loans | 845.9459% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 4,847 |
| Noncurrent loans to loans | 0.1407% | 4,630 |
| Net loans and leases to total assets | 74.7292% | 1,624 |
| Net loans and leases to deposits | 87.2427% | 1,885 |
| Net loans and leases to core deposits | 98.2022% | 1,641 |
| Total domestic deposits to total assets | 85.6566% | 2,814 |
| Equity capital to assets | 8.9784% | 4,827 |
| Core capital (leverage) ratio | 9.0823% | 4,644 |
| Tier 1 risk-based capital ratio | 11.2451% | 5,177 |
| Total risk-based capital ratio | 12.3651% | 5,145 |
| Memoranda: | ||
| Average total assets | $104,791,000 | 4,271 |
| Average earning assets | $97,152,500 | 4,253 |
| Average equity | $9,278,000 | 4,661 |
| Average total loans | $79,461,000 | 3,822 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6906% | 1,076 |
| Cost of funding earning assets | 0.3175% | 3,875 |
| Net interest margin | 4.3731% | 816 |
| Noninterest income to average assets | 0.6268% | 2,521 |
| Noninterest expense to average assets | 3.6076% | 1,005 |
| Loan and lease loss provision to assets | 0.1429% | 1,751 |
| Net operating income to assets | 0.6799% | 3,871 |
| Return on assets (ROA) | 0.7992% | 3,412 |
| Pretax return on assets | 1.0631% | 3,245 |
| Return on Equity (ROE) | 9.3175% | 2,266 |
| Retained earnings to average equity (ytd only) | 8.6511% | 657 |
| Net charge-offs to loans | -0.0189% | 5,109 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5072% | 1,771 |
| Assets per employee ($millions) | 3.2899% | 5,058 |
| Cash dividends to net income (ytd only)* | 7.1514% | 4,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,519 |
| Loan loss allowance to noncurrent loans | 2,214.6341% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 5,207 |
| Noncurrent loans to loans | 0.0512% | 5,041 |
| Net loans and leases to total assets | 75.1624% | 1,665 |
| Net loans and leases to deposits | 85.3952% | 2,253 |
| Net loans and leases to core deposits | 99.0809% | 1,701 |
| Total domestic deposits to total assets | 88.0172% | 1,619 |
| Equity capital to assets | 8.7304% | 5,077 |
| Core capital (leverage) ratio | 8.8804% | 4,877 |
| Tier 1 risk-based capital ratio | 10.7853% | 5,443 |
| Total risk-based capital ratio | 11.8407% | 5,458 |
| Memoranda: | ||
| Average total assets | $104,973,600 | 4,257 |
| Average earning assets | $96,682,600 | 4,259 |
| Average equity | $9,004,600 | 4,767 |
| Average total loans | $74,175,200 | 3,937 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 1,134 |
| Cost of funding earning assets | 0.3138% | 3,933 |
| Net interest margin | 4.3566% | 838 |
| Noninterest income to average assets | 0.5529% | 2,903 |
| Noninterest expense to average assets | 3.4827% | 1,180 |
| Loan and lease loss provision to assets | 0.1525% | 1,532 |
| Net operating income to assets | 0.7052% | 3,816 |
| Return on assets (ROA) | 0.8935% | 3,072 |
| Pretax return on assets | 1.1719% | 2,960 |
| Return on Equity (ROE) | 10.4634% | 1,883 |
| Retained earnings to average equity (ytd only) | 9.5703% | 668 |
| Net charge-offs to loans | -0.0257% | 5,099 |
| Credit loss provision to net charge-offs | -857.1429% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3870% | 1,921 |
| Assets per employee ($millions) | 3.2428% | 5,118 |
| Cash dividends to net income (ytd only)* | 8.5351% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 3,594 |
| Loan loss allowance to noncurrent loans | 1,791.8367% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 5,278 |
| Noncurrent loans to loans | 0.0638% | 5,099 |
| Net loans and leases to total assets | 73.1982% | 1,995 |
| Net loans and leases to deposits | 84.0158% | 2,480 |
| Net loans and leases to core deposits | 94.8490% | 2,119 |
| Total domestic deposits to total assets | 87.1243% | 1,839 |
| Equity capital to assets | 9.0567% | 5,119 |
| Core capital (leverage) ratio | 8.8673% | 4,983 |
| Tier 1 risk-based capital ratio | 11.1117% | 5,309 |
| Total risk-based capital ratio | 12.1786% | 5,326 |
| Memoranda: | ||
| Average total assets | $104,898,000 | 4,298 |
| Average earning assets | $96,464,250 | 4,296 |
| Average equity | $8,958,000 | 4,814 |
| Average total loans | $72,710,000 | 3,999 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 1,124 |
| Cost of funding earning assets | 0.3049% | 4,066 |
| Net interest margin | 4.3620% | 830 |
| Noninterest income to average assets | 0.5471% | 2,915 |
| Noninterest expense to average assets | 3.4842% | 1,189 |
| Loan and lease loss provision to assets | 0.1710% | 1,293 |
| Net operating income to assets | 0.6793% | 3,899 |
| Return on assets (ROA) | 0.9119% | 2,938 |
| Pretax return on assets | 1.1893% | 2,822 |
| Return on Equity (ROE) | 10.8951% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.8951% | 450 |
| Net charge-offs to loans | -0.0421% | 5,295 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7043% | 1,978 |
| Assets per employee ($millions) | 3.3789% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 3,522 |
| Loan loss allowance to noncurrent loans | 1,698.0000% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 5,375 |
| Noncurrent loans to loans | 0.0689% | 5,173 |
| Net loans and leases to total assets | 68.4233% | 2,722 |
| Net loans and leases to deposits | 77.2389% | 3,239 |
| Net loans and leases to core deposits | 85.5914% | 2,939 |
| Total domestic deposits to total assets | 88.5866% | 1,121 |
| Equity capital to assets | 8.8749% | 5,334 |
| Core capital (leverage) ratio | 8.6214% | 5,241 |
| Tier 1 risk-based capital ratio | 11.3685% | 5,237 |
| Total risk-based capital ratio | 12.4433% | 5,237 |
| Memoranda: | ||
| Average total assets | $105,274,330 | 4,329 |
| Average earning assets | $96,422,670 | 4,338 |
| Average equity | $8,811,330 | 4,871 |
| Average total loans | $71,335,000 | 4,060 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,193 |
| Cost of funding earning assets | 0.3038% | 4,117 |
| Net interest margin | 4.3229% | 886 |
| Noninterest income to average assets | 0.5306% | 2,929 |
| Noninterest expense to average assets | 3.4755% | 1,229 |
| Loan and lease loss provision to assets | 0.2274% | 816 |
| Net operating income to assets | 0.5897% | 4,228 |
| Return on assets (ROA) | 0.6443% | 4,125 |
| Pretax return on assets | 0.8945% | 3,864 |
| Return on Equity (ROE) | 7.9356% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.9356% | 1,484 |
| Net charge-offs to loans | -0.0848% | 5,572 |
| Credit loss provision to net charge-offs | -400.0000% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8650% | 2,063 |
| Assets per employee ($millions) | 3.4592% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 3,678 |
| Loan loss allowance to noncurrent loans | 390.0000% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 4,748 |
| Noncurrent loans to loans | 0.2994% | 4,357 |
| Net loans and leases to total assets | 66.7948% | 2,843 |
| Net loans and leases to deposits | 73.5131% | 3,501 |
| Net loans and leases to core deposits | 81.1608% | 3,221 |
| Total domestic deposits to total assets | 90.8611% | 309 |
| Equity capital to assets | 8.3526% | 5,659 |
| Core capital (leverage) ratio | 8.1570% | 5,679 |
| Tier 1 risk-based capital ratio | 11.2640% | 5,362 |
| Total risk-based capital ratio | 12.3279% | 5,373 |
| Memoranda: | ||
| Average total assets | $105,539,000 | 4,354 |
| Average earning assets | $97,433,500 | 4,351 |
| Average equity | $8,569,000 | 4,939 |
| Average total loans | $70,743,000 | 4,097 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 1,844 |
| Cost of funding earning assets | 0.3028% | 4,214 |
| Net interest margin | 4.1156% | 1,376 |
| Noninterest income to average assets | 0.7038% | 2,181 |
| Noninterest expense to average assets | 3.5238% | 1,253 |
| Loan and lease loss provision to assets | 0.0240% | 3,905 |
| Net operating income to assets | 0.7690% | 3,471 |
| Return on assets (ROA) | 0.8073% | 3,388 |
| Pretax return on assets | 1.0097% | 3,431 |
| Return on Equity (ROE) | 10.3687% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.8910% | 678 |
| Net charge-offs to loans | 0.0784% | 2,694 |
| Credit loss provision to net charge-offs | 48.0769% | 3,432 |
| Earnings coverage of net charge-offs (x) | 19.7692% | 1,923 |
| Efficiency ratio | 78.1416% | 1,945 |
| Assets per employee ($millions) | 3.3532% | 5,063 |
| Cash dividends to net income (ytd only)* | 14.2518% | 3,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 4,365 |
| Loan loss allowance to noncurrent loans | 254.7945% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 4,501 |
| Noncurrent loans to loans | 0.4093% | 3,985 |
| Net loans and leases to total assets | 65.8012% | 3,011 |
| Net loans and leases to deposits | 74.6222% | 3,420 |
| Net loans and leases to core deposits | 81.3686% | 3,212 |
| Total domestic deposits to total assets | 88.1792% | 1,541 |
| Equity capital to assets | 7.8936% | 5,889 |
| Core capital (leverage) ratio | 7.8979% | 5,879 |
| Tier 1 risk-based capital ratio | 11.4086% | 5,309 |
| Total risk-based capital ratio | 12.4072% | 5,341 |
| Memoranda: | ||
| Average total assets | $104,292,000 | 4,375 |
| Average earning assets | $96,438,200 | 4,384 |
| Average equity | $8,120,600 | 5,041 |
| Average total loans | $66,333,800 | 4,185 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 1,864 |
| Cost of funding earning assets | 0.3037% | 4,298 |
| Net interest margin | 4.1144% | 1,376 |
| Noninterest income to average assets | 0.5975% | 2,758 |
| Noninterest expense to average assets | 3.5412% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6806% | 3,990 |
| Return on assets (ROA) | 0.7314% | 3,870 |
| Pretax return on assets | 0.9233% | 3,908 |
| Return on Equity (ROE) | 9.4272% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.4315% | 1,076 |
| Net charge-offs to loans | -0.0041% | 4,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4800% | 1,586 |
| Assets per employee ($millions) | 3.5362% | 4,733 |
| Cash dividends to net income (ytd only)* | 10.5637% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 4,055 |
| Loan loss allowance to noncurrent loans | 1,153.7313% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 5,520 |
| Noncurrent loans to loans | 0.0980% | 5,241 |
| Net loans and leases to total assets | 63.7300% | 3,347 |
| Net loans and leases to deposits | 72.4009% | 3,719 |
| Net loans and leases to core deposits | 78.4061% | 3,570 |
| Total domestic deposits to total assets | 88.0238% | 1,539 |
| Equity capital to assets | 7.8201% | 6,015 |
| Core capital (leverage) ratio | 7.8584% | 5,962 |
| Tier 1 risk-based capital ratio | 10.8158% | 5,750 |
| Total risk-based capital ratio | 11.8249% | 5,782 |
| Memoranda: | ||
| Average total assets | $103,539,500 | 4,439 |
| Average earning assets | $95,694,250 | 4,443 |
| Average equity | $8,033,250 | 5,123 |
| Average total loans | $65,079,750 | 4,273 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 1,936 |
| Cost of funding earning assets | 0.3055% | 4,338 |
| Net interest margin | 4.0689% | 1,450 |
| Noninterest income to average assets | 0.5297% | 3,171 |
| Noninterest expense to average assets | 3.4511% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6670% | 4,047 |
| Return on assets (ROA) | 0.7440% | 3,769 |
| Pretax return on assets | 0.9368% | 3,820 |
| Return on Equity (ROE) | 9.6153% | 2,250 |
| Retained earnings to average equity (ytd only) | 8.1050% | 1,221 |
| Net charge-offs to loans | -0.0031% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4358% | 1,697 |
| Assets per employee ($millions) | 3.3641% | 5,049 |
| Cash dividends to net income (ytd only)* | 15.7068% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,799 |
| Loan loss allowance to noncurrent loans | 1,087.3239% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 5,596 |
| Noncurrent loans to loans | 0.1102% | 5,311 |
| Net loans and leases to total assets | 61.0191% | 3,690 |
| Net loans and leases to deposits | 66.6391% | 4,273 |
| Net loans and leases to core deposits | 72.0603% | 4,129 |
| Total domestic deposits to total assets | 91.5665% | 173 |
| Equity capital to assets | 7.7268% | 6,070 |
| Core capital (leverage) ratio | 7.7750% | 6,025 |
| Tier 1 risk-based capital ratio | 10.9808% | 5,716 |
| Total risk-based capital ratio | 12.0274% | 5,753 |
| Memoranda: | ||
| Average total assets | $102,691,000 | 4,501 |
| Average earning assets | $94,914,330 | 4,496 |
| Average equity | $7,945,670 | 5,179 |
| Average total loans | $63,979,330 | 4,338 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 1,789 |
| Cost of funding earning assets | 0.3023% | 4,416 |
| Net interest margin | 4.0913% | 1,298 |
| Noninterest income to average assets | 0.5025% | 3,268 |
| Noninterest expense to average assets | 3.3368% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7056% | 3,771 |
| Return on assets (ROA) | 0.7851% | 3,471 |
| Pretax return on assets | 1.0442% | 3,318 |
| Return on Equity (ROE) | 10.1401% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.1401% | 886 |
| Net charge-offs to loans | -0.0063% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0533% | 2,178 |
| Assets per employee ($millions) | 3.4518% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 3,677 |
| Loan loss allowance to noncurrent loans | 265.2921% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 4,830 |
| Noncurrent loans to loans | 0.4717% | 4,167 |
| Net loans and leases to total assets | 58.8248% | 3,826 |
| Net loans and leases to deposits | 64.3198% | 4,341 |
| Net loans and leases to core deposits | 68.2593% | 4,306 |
| Total domestic deposits to total assets | 91.4567% | 237 |
| Equity capital to assets | 7.7205% | 6,119 |
| Core capital (leverage) ratio | 7.6410% | 6,097 |
| Tier 1 risk-based capital ratio | 11.0168% | 5,803 |
| Total risk-based capital ratio | 12.0827% | 5,811 |
| Memoranda: | ||
| Average total assets | $101,893,000 | 4,557 |
| Average earning assets | $93,955,000 | 4,551 |
| Average equity | $7,889,500 | 5,238 |
| Average total loans | $63,765,500 | 4,372 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 2,120 |
| Cost of funding earning assets | 0.3335% | 4,449 |
| Net interest margin | 4.0997% | 1,581 |
| Noninterest income to average assets | 0.4879% | 3,599 |
| Noninterest expense to average assets | 3.6672% | 1,199 |
| Loan and lease loss provision to assets | 0.0512% | 3,540 |
| Net operating income to assets | 0.4190% | 5,156 |
| Return on assets (ROA) | 0.4428% | 5,139 |
| Pretax return on assets | 0.5135% | 5,217 |
| Return on Equity (ROE) | 5.6111% | 4,357 |
| Retained earnings to average equity (ytd only) | 4.0525% | 3,326 |
| Net charge-offs to loans | -0.0723% | 6,030 |
| Credit loss provision to net charge-offs | -111.1111% | 5,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2257% | 1,053 |
| Assets per employee ($millions) | 3.2333% | 5,384 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 4,162 |
| Loan loss allowance to noncurrent loans | 1,001.2987% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 5,725 |
| Noncurrent loans to loans | 0.1169% | 5,426 |
| Net loans and leases to total assets | 64.9220% | 3,063 |
| Net loans and leases to deposits | 72.0253% | 3,680 |
| Net loans and leases to core deposits | 76.2869% | 3,675 |
| Total domestic deposits to total assets | 90.1378% | 679 |
| Equity capital to assets | 7.7661% | 6,151 |
| Core capital (leverage) ratio | 7.5695% | 6,182 |
| Tier 1 risk-based capital ratio | 9.5131% | 6,348 |
| Total risk-based capital ratio | 10.4572% | 6,371 |
| Memoranda: | ||
| Average total assets | $97,568,000 | 4,660 |
| Average earning assets | $88,446,400 | 4,692 |
| Average equity | $7,699,000 | 5,272 |
| Average total loans | $62,268,800 | 4,419 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 1,688 |
| Cost of funding earning assets | 0.3414% | 4,443 |
| Net interest margin | 4.2130% | 1,249 |
| Noninterest income to average assets | 0.4582% | 3,842 |
| Noninterest expense to average assets | 3.6765% | 1,157 |
| Loan and lease loss provision to assets | 0.0688% | 2,969 |
| Net operating income to assets | 0.4967% | 4,886 |
| Return on assets (ROA) | 0.4967% | 4,955 |
| Pretax return on assets | 0.5160% | 5,281 |
| Return on Equity (ROE) | 6.2690% | 4,098 |
| Retained earnings to average equity (ytd only) | 4.1852% | 3,671 |
| Net charge-offs to loans | -0.0044% | 5,277 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2770% | 1,160 |
| Assets per employee ($millions) | 3.1172% | 5,568 |
| Cash dividends to net income (ytd only)* | 33.2419% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 4,471 |
| Loan loss allowance to noncurrent loans | 827.2727% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 5,800 |
| Noncurrent loans to loans | 0.1397% | 5,505 |
| Net loans and leases to total assets | 64.4217% | 3,122 |
| Net loans and leases to deposits | 70.7080% | 3,834 |
| Net loans and leases to core deposits | 74.5301% | 3,893 |
| Total domestic deposits to total assets | 91.1096% | 331 |
| Equity capital to assets | 8.0688% | 6,099 |
| Core capital (leverage) ratio | 7.8992% | 6,133 |
| Tier 1 risk-based capital ratio | 9.6182% | 6,419 |
| Total risk-based capital ratio | 10.5278% | 6,445 |
| Memoranda: | ||
| Average total assets | $96,902,250 | 4,720 |
| Average earning assets | $87,473,500 | 4,758 |
| Average equity | $7,677,750 | 5,319 |
| Average total loans | $61,375,250 | 4,485 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 1,519 |
| Cost of funding earning assets | 0.3447% | 4,486 |
| Net interest margin | 4.2603% | 1,109 |
| Noninterest income to average assets | 0.4536% | 3,842 |
| Noninterest expense to average assets | 3.5652% | 1,359 |
| Loan and lease loss provision to assets | 0.1031% | 2,298 |
| Net operating income to assets | 0.5897% | 4,407 |
| Return on assets (ROA) | 0.5897% | 4,501 |
| Pretax return on assets | 0.6083% | 4,933 |
| Return on Equity (ROE) | 7.4889% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.1322% | 2,878 |
| Net charge-offs to loans | -0.0033% | 5,112 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3655% | 1,588 |
| Assets per employee ($millions) | 3.2882% | 5,273 |
| Cash dividends to net income (ytd only)* | 31.4685% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 4,751 |
| Loan loss allowance to noncurrent loans | 781.7204% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 5,881 |
| Noncurrent loans to loans | 0.1448% | 5,572 |
| Net loans and leases to total assets | 62.2854% | 3,362 |
| Net loans and leases to deposits | 71.5332% | 3,634 |
| Net loans and leases to core deposits | 75.1521% | 3,720 |
| Total domestic deposits to total assets | 87.0720% | 2,417 |
| Equity capital to assets | 7.6138% | 6,317 |
| Core capital (leverage) ratio | 8.0701% | 6,043 |
| Tier 1 risk-based capital ratio | 9.3151% | 6,513 |
| Total risk-based capital ratio | 10.2000% | 6,534 |
| Memoranda: | ||
| Average total assets | $96,992,330 | 4,752 |
| Average earning assets | $87,035,330 | 4,797 |
| Average equity | $7,638,000 | 5,361 |
| Average total loans | $60,840,330 | 4,524 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 1,724 |
| Cost of funding earning assets | 0.3548% | 4,493 |
| Net interest margin | 4.1694% | 1,297 |
| Noninterest income to average assets | 0.5163% | 3,283 |
| Noninterest expense to average assets | 3.5421% | 1,410 |
| Loan and lease loss provision to assets | 0.1058% | 2,159 |
| Net operating income to assets | 0.6305% | 4,042 |
| Return on assets (ROA) | 0.6305% | 4,132 |
| Pretax return on assets | 0.6475% | 4,672 |
| Return on Equity (ROE) | 7.8664% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.6987% | 3,297 |
| Net charge-offs to loans | -0.0068% | 4,904 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4631% | 1,870 |
| Assets per employee ($millions) | 2.9829% | 5,878 |
| Cash dividends to net income (ytd only)* | 40.2685% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 4,659 |
| Loan loss allowance to noncurrent loans | 512.4088% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 5,800 |
| Noncurrent loans to loans | 0.2331% | 5,403 |
| Net loans and leases to total assets | 62.8121% | 3,102 |
| Net loans and leases to deposits | 69.8298% | 3,628 |
| Net loans and leases to core deposits | 72.5566% | 3,813 |
| Total domestic deposits to total assets | 89.9504% | 1,095 |
| Equity capital to assets | 8.2556% | 5,860 |
| Core capital (leverage) ratio | 8.2052% | 5,943 |
| Tier 1 risk-based capital ratio | 9.8563% | 6,506 |
| Total risk-based capital ratio | 10.7732% | 6,529 |
| Memoranda: | ||
| Average total assets | $94,521,500 | 4,859 |
| Average earning assets | $85,672,000 | 4,875 |
| Average equity | $7,576,500 | 5,404 |
| Average total loans | $59,152,000 | 4,619 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 2,399 |
| Cost of funding earning assets | 0.4506% | 4,104 |
| Net interest margin | 3.9976% | 1,950 |
| Noninterest income to average assets | 0.4621% | 4,012 |
| Noninterest expense to average assets | 3.5216% | 1,607 |
| Loan and lease loss provision to assets | 0.0278% | 4,567 |
| Net operating income to assets | 0.4724% | 4,857 |
| Return on assets (ROA) | 0.5410% | 4,675 |
| Pretax return on assets | 0.5721% | 4,962 |
| Return on Equity (ROE) | 6.6982% | 3,722 |
| Retained earnings to average equity (ytd only) | 5.4603% | 2,303 |
| Net charge-offs to loans | 0.0139% | 5,176 |
| Credit loss provision to net charge-offs | 357.1429% | 638 |
| Earnings coverage of net charge-offs (x) | 67.8571% | 622 |
| Efficiency ratio | 86.9684% | 1,316 |
| Assets per employee ($millions) | 3.2191% | 5,448 |
| Cash dividends to net income (ytd only)* | 18.4805% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 4,963 |
| Loan loss allowance to noncurrent loans | 229.9320% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 5,352 |
| Noncurrent loans to loans | 0.4940% | 4,761 |
| Net loans and leases to total assets | 60.9317% | 3,551 |
| Net loans and leases to deposits | 70.2628% | 3,756 |
| Net loans and leases to core deposits | 72.7616% | 3,981 |
| Total domestic deposits to total assets | 86.7198% | 2,866 |
| Equity capital to assets | 7.7859% | 6,140 |
| Core capital (leverage) ratio | 8.1060% | 6,049 |
| Tier 1 risk-based capital ratio | 9.8467% | 6,550 |
| Total risk-based capital ratio | 10.7685% | 6,586 |
| Memoranda: | ||
| Average total assets | $90,016,400 | 4,981 |
| Average earning assets | $80,774,200 | 5,018 |
| Average equity | $7,270,600 | 5,504 |
| Average total loans | $50,412,600 | 4,948 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 2,648 |
| Cost of funding earning assets | 0.4694% | 4,070 |
| Net interest margin | 3.9117% | 2,231 |
| Noninterest income to average assets | 0.4677% | 4,016 |
| Noninterest expense to average assets | 3.4684% | 1,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4632% | 4,958 |
| Return on assets (ROA) | 0.5401% | 4,766 |
| Pretax return on assets | 0.5914% | 5,051 |
| Return on Equity (ROE) | 6.6216% | 3,860 |
| Retained earnings to average equity (ytd only) | 4.9569% | 3,116 |
| Net charge-offs to loans | 0.0249% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 37.3325% | 1,055 |
| Efficiency ratio | 87.2486% | 1,236 |
| Assets per employee ($millions) | 3.1122% | 5,654 |
| Cash dividends to net income (ytd only)* | 25.1404% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 4,820 |
| Loan loss allowance to noncurrent loans | 212.7869% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 5,394 |
| Noncurrent loans to loans | 0.5686% | 4,784 |
| Net loans and leases to total assets | 58.7165% | 3,889 |
| Net loans and leases to deposits | 66.7927% | 4,204 |
| Net loans and leases to core deposits | 68.8726% | 4,444 |
| Total domestic deposits to total assets | 87.9086% | 2,191 |
| Equity capital to assets | 8.2135% | 5,992 |
| Core capital (leverage) ratio | 8.3236% | 5,948 |
| Tier 1 risk-based capital ratio | 10.6372% | 6,413 |
| Total risk-based capital ratio | 11.5791% | 6,468 |
| Memoranda: | ||
| Average total assets | $88,377,500 | 5,065 |
| Average earning assets | $79,247,250 | 5,105 |
| Average equity | $7,208,500 | 5,582 |
| Average total loans | $48,136,000 | 5,068 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 3,021 |
| Cost of funding earning assets | 0.4817% | 4,070 |
| Net interest margin | 3.8029% | 2,549 |
| Noninterest income to average assets | 0.4786% | 3,970 |
| Noninterest expense to average assets | 3.4689% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3583% | 5,372 |
| Return on assets (ROA) | 0.4376% | 5,233 |
| Pretax return on assets | 0.5014% | 5,372 |
| Return on Equity (ROE) | 5.3779% | 4,529 |
| Retained earnings to average equity (ytd only) | 3.6973% | 3,955 |
| Net charge-offs to loans | 0.0389% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,483 |
| Efficiency ratio | 89.4242% | 1,090 |
| Assets per employee ($millions) | 2.9115% | 6,001 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,368 |
| Loan loss allowance to noncurrent loans | 141.7031% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 4,958 |
| Noncurrent loans to loans | 0.9376% | 4,050 |
| Net loans and leases to total assets | 55.1835% | 4,421 |
| Net loans and leases to deposits | 61.0513% | 4,854 |
| Net loans and leases to core deposits | 62.6976% | 5,036 |
| Total domestic deposits to total assets | 90.3887% | 813 |
| Equity capital to assets | 8.3164% | 5,957 |
| Core capital (leverage) ratio | 8.2575% | 5,946 |
| Tier 1 risk-based capital ratio | 11.6830% | 6,005 |
| Total risk-based capital ratio | 12.7387% | 6,083 |
| Memoranda: | ||
| Average total assets | $87,752,000 | 5,116 |
| Average earning assets | $78,466,000 | 5,155 |
| Average equity | $7,140,330 | 5,649 |
| Average total loans | $46,300,330 | 5,169 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 3,773 |
| Cost of funding earning assets | 0.5059% | 4,028 |
| Net interest margin | 3.5820% | 3,333 |
| Noninterest income to average assets | 0.3775% | 4,645 |
| Noninterest expense to average assets | 3.3699% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1752% | 5,964 |
| Return on assets (ROA) | 0.2683% | 5,789 |
| Pretax return on assets | 0.3002% | 5,849 |
| Return on Equity (ROE) | 3.3340% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.6388% | 5,160 |
| Net charge-offs to loans | 0.0622% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 2,266 |
| Efficiency ratio | 94.5153% | 804 |
| Assets per employee ($millions) | 2.7382% | 6,359 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 4,045 |
| Loan loss allowance to noncurrent loans | 232.5000% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 5,517 |
| Noncurrent loans to loans | 0.6199% | 4,895 |
| Net loans and leases to total assets | 50.8052% | 4,877 |
| Net loans and leases to deposits | 56.2113% | 5,221 |
| Net loans and leases to core deposits | 57.2273% | 5,418 |
| Total domestic deposits to total assets | 90.3824% | 829 |
| Equity capital to assets | 8.2366% | 6,227 |
| Core capital (leverage) ratio | 8.1396% | 6,003 |
| Tier 1 risk-based capital ratio | 12.6236% | 5,499 |
| Total risk-based capital ratio | 13.7814% | 5,508 |
| Memoranda: | ||
| Average total assets | $87,955,500 | 5,151 |
| Average earning assets | $78,280,500 | 5,201 |
| Average equity | $7,078,500 | 5,723 |
| Average total loans | $45,026,000 | 5,249 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 2,761 |
| Cost of funding earning assets | 0.6622% | 3,816 |
| Net interest margin | 3.9961% | 2,403 |
| Noninterest income to average assets | 0.6032% | 3,260 |
| Noninterest expense to average assets | 3.5517% | 1,716 |
| Loan and lease loss provision to assets | 0.0616% | 5,001 |
| Net operating income to assets | 0.4543% | 4,872 |
| Return on assets (ROA) | 0.4506% | 5,128 |
| Pretax return on assets | 0.6032% | 4,986 |
| Return on Equity (ROE) | 5.5508% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.6409% | 2,952 |
| Net charge-offs to loans | 0.2190% | 3,636 |
| Credit loss provision to net charge-offs | 51.5464% | 4,661 |
| Earnings coverage of net charge-offs (x) | 5.6082% | 2,994 |
| Efficiency ratio | 84.1353% | 1,616 |
| Assets per employee ($millions) | 2.9430% | 6,092 |
| Cash dividends to net income (ytd only)* | 16.3934% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 3,883 |
| Loan loss allowance to noncurrent loans | 198.1928% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 5,567 |
| Noncurrent loans to loans | 0.7397% | 4,701 |
| Net loans and leases to total assets | 50.0929% | 5,157 |
| Net loans and leases to deposits | 55.1755% | 5,533 |
| Net loans and leases to core deposits | 55.9814% | 5,717 |
| Total domestic deposits to total assets | 90.7883% | 574 |
| Equity capital to assets | 7.8605% | 6,477 |
| Core capital (leverage) ratio | 8.0960% | 6,095 |
| Tier 1 risk-based capital ratio | 12.0056% | 5,787 |
| Total risk-based capital ratio | 13.1649% | 5,796 |
| Memoranda: | ||
| Average total assets | $81,229,200 | 5,322 |
| Average earning assets | $73,547,000 | 5,324 |
| Average equity | $6,593,600 | 5,870 |
| Average total loans | $44,299,600 | 5,314 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 2,508 |
| Cost of funding earning assets | 0.6949% | 3,817 |
| Net interest margin | 4.0754% | 2,193 |
| Noninterest income to average assets | 0.4967% | 3,953 |
| Noninterest expense to average assets | 3.4984% | 1,764 |
| Loan and lease loss provision to assets | 0.0839% | 4,564 |
| Net operating income to assets | 0.4732% | 4,941 |
| Return on assets (ROA) | 0.4681% | 5,218 |
| Pretax return on assets | 0.6275% | 5,084 |
| Return on Equity (ROE) | 5.7168% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.4873% | 3,738 |
| Net charge-offs to loans | 0.2778% | 3,054 |
| Credit loss provision to net charge-offs | 54.3478% | 4,295 |
| Earnings coverage of net charge-offs (x) | 4.6523% | 3,242 |
| Efficiency ratio | 82.9686% | 1,702 |
| Assets per employee ($millions) | 2.6210% | 6,577 |
| Cash dividends to net income (ytd only)* | 21.5060% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 4,018 |
| Loan loss allowance to noncurrent loans | 204.6296% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 5,660 |
| Noncurrent loans to loans | 0.7252% | 4,977 |
| Net loans and leases to total assets | 55.9768% | 4,456 |
| Net loans and leases to deposits | 62.0895% | 4,959 |
| Net loans and leases to core deposits | 63.1170% | 5,252 |
| Total domestic deposits to total assets | 90.1550% | 763 |
| Equity capital to assets | 8.4206% | 6,330 |
| Core capital (leverage) ratio | 8.0677% | 6,268 |
| Tier 1 risk-based capital ratio | 10.4986% | 6,665 |
| Total risk-based capital ratio | 11.5723% | 6,694 |
| Memoranda: | ||
| Average total assets | $79,464,000 | 5,418 |
| Average earning assets | $72,530,750 | 5,415 |
| Average equity | $6,507,000 | 5,958 |
| Average total loans | $44,153,250 | 5,386 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 3,411 |
| Cost of funding earning assets | 0.7115% | 3,927 |
| Net interest margin | 3.8783% | 3,006 |
| Noninterest income to average assets | 0.4615% | 4,195 |
| Noninterest expense to average assets | 3.4561% | 1,891 |
| Loan and lease loss provision to assets | 0.0627% | 4,865 |
| Net operating income to assets | 0.4292% | 5,118 |
| Return on assets (ROA) | 0.4214% | 5,374 |
| Pretax return on assets | 0.5417% | 5,330 |
| Return on Equity (ROE) | 5.1940% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.2047% | 3,812 |
| Net charge-offs to loans | 0.4229% | 2,345 |
| Credit loss provision to net charge-offs | 26.8817% | 4,486 |
| Earnings coverage of net charge-offs (x) | 2.6344% | 3,692 |
| Efficiency ratio | 84.9045% | 1,545 |
| Assets per employee ($millions) | 2.7721% | 6,444 |
| Cash dividends to net income (ytd only)* | 19.0476% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 4,516 |
| Loan loss allowance to noncurrent loans | 196.0000% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 5,773 |
| Noncurrent loans to loans | 0.7065% | 5,093 |
| Net loans and leases to total assets | 56.4274% | 4,402 |
| Net loans and leases to deposits | 62.3970% | 4,953 |
| Net loans and leases to core deposits | 63.4026% | 5,268 |
| Total domestic deposits to total assets | 90.4329% | 704 |
| Equity capital to assets | 8.1316% | 6,500 |
| Core capital (leverage) ratio | 8.0314% | 6,238 |
| Tier 1 risk-based capital ratio | 10.6694% | 6,627 |
| Total risk-based capital ratio | 11.7316% | 6,687 |
| Memoranda: | ||
| Average total assets | $79,742,330 | 5,439 |
| Average earning assets | $74,207,000 | 5,388 |
| Average equity | $6,469,000 | 5,992 |
| Average total loans | $43,978,670 | 5,429 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 3,490 |
| Cost of funding earning assets | 0.7427% | 3,920 |
| Net interest margin | 3.8599% | 3,096 |
| Noninterest income to average assets | 0.4986% | 3,919 |
| Noninterest expense to average assets | 3.2486% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5994% | 4,340 |
| Return on assets (ROA) | 0.5994% | 4,561 |
| Pretax return on assets | 0.8361% | 4,277 |
| Return on Equity (ROE) | 7.3970% | 3,562 |
| Retained earnings to average equity (ytd only) | 5.4079% | 3,309 |
| Net charge-offs to loans | -0.0279% | 6,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5314% | 2,262 |
| Assets per employee ($millions) | 2.8243% | 6,473 |
| Cash dividends to net income (ytd only)* | 26.8908% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 3,430 |
| Loan loss allowance to noncurrent loans | 165.0350% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 5,516 |
| Noncurrent loans to loans | 1.0173% | 4,642 |
| Net loans and leases to total assets | 52.4311% | 4,957 |
| Net loans and leases to deposits | 58.1058% | 5,363 |
| Net loans and leases to core deposits | 59.0585% | 5,620 |
| Total domestic deposits to total assets | 90.2338% | 953 |
| Equity capital to assets | 8.1716% | 6,393 |
| Core capital (leverage) ratio | 8.0079% | 6,250 |
| Tier 1 risk-based capital ratio | 11.3570% | 6,357 |
| Total risk-based capital ratio | 12.6073% | 6,339 |
| Memoranda: | ||
| Average total assets | $79,418,500 | 5,493 |
| Average earning assets | $73,784,500 | 5,444 |
| Average equity | $6,435,000 | 6,032 |
| Average total loans | $42,968,500 | 5,507 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 2,973 |
| Cost of funding earning assets | 0.9615% | 3,632 |
| Net interest margin | 4.0177% | 2,798 |
| Noninterest income to average assets | 0.5033% | 3,823 |
| Noninterest expense to average assets | 3.5048% | 1,966 |
| Loan and lease loss provision to assets | 0.0659% | 5,790 |
| Net operating income to assets | 0.5170% | 4,355 |
| Return on assets (ROA) | 0.5297% | 4,506 |
| Pretax return on assets | 0.7155% | 4,263 |
| Return on Equity (ROE) | 6.4814% | 3,654 |
| Retained earnings to average equity (ytd only) | 5.5140% | 2,290 |
| Net charge-offs to loans | 0.1141% | 5,236 |
| Credit loss provision to net charge-offs | 102.0408% | 3,399 |
| Earnings coverage of net charge-offs (x) | 11.8367% | 1,678 |
| Efficiency ratio | 82.0988% | 2,004 |
| Assets per employee ($millions) | 2.8485% | 6,382 |
| Cash dividends to net income (ytd only)* | 14.9254% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 3,544 |
| Loan loss allowance to noncurrent loans | 154.6053% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 5,547 |
| Noncurrent loans to loans | 1.0419% | 4,625 |
| Net loans and leases to total assets | 53.9908% | 5,036 |
| Net loans and leases to deposits | 59.7328% | 5,521 |
| Net loans and leases to core deposits | 60.7011% | 5,782 |
| Total domestic deposits to total assets | 90.3872% | 769 |
| Equity capital to assets | 8.0343% | 6,549 |
| Core capital (leverage) ratio | 8.0953% | 6,150 |
| Tier 1 risk-based capital ratio | 11.2056% | 6,348 |
| Total risk-based capital ratio | 12.4564% | 6,323 |
| Memoranda: | ||
| Average total assets | $75,896,000 | 5,572 |
| Average earning assets | $71,135,200 | 5,503 |
| Average equity | $6,202,400 | 6,100 |
| Average total loans | $42,961,600 | 5,563 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 3,126 |
| Cost of funding earning assets | 1.0059% | 3,639 |
| Net interest margin | 3.9857% | 2,975 |
| Noninterest income to average assets | 0.5694% | 3,375 |
| Noninterest expense to average assets | 3.4235% | 2,129 |
| Loan and lease loss provision to assets | 0.0890% | 5,343 |
| Net operating income to assets | 0.5575% | 4,282 |
| Return on assets (ROA) | 0.5587% | 4,447 |
| Pretax return on assets | 0.7954% | 4,147 |
| Return on Equity (ROE) | 6.8064% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.5058% | 2,857 |
| Net charge-offs to loans | 0.0312% | 5,710 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 49.6114% | 646 |
| Efficiency ratio | 79.5041% | 2,334 |
| Assets per employee ($millions) | 2.6264% | 6,745 |
| Cash dividends to net income (ytd only)* | 19.1086% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 3,276 |
| Loan loss allowance to noncurrent loans | 138.5475% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7302% | 5,330 |
| Noncurrent loans to loans | 1.2261% | 4,494 |
| Net loans and leases to total assets | 58.5439% | 4,409 |
| Net loans and leases to deposits | 65.3273% | 5,006 |
| Net loans and leases to core deposits | 66.2165% | 5,389 |
| Total domestic deposits to total assets | 89.6163% | 1,086 |
| Equity capital to assets | 8.6200% | 6,176 |
| Core capital (leverage) ratio | 8.2669% | 6,027 |
| Tier 1 risk-based capital ratio | 11.3139% | 6,353 |
| Total risk-based capital ratio | 12.5655% | 6,344 |
| Memoranda: | ||
| Average total assets | $74,930,500 | 5,651 |
| Average earning assets | $70,249,000 | 5,573 |
| Average equity | $6,151,000 | 6,165 |
| Average total loans | $42,760,250 | 5,616 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 3,484 |
| Cost of funding earning assets | 1.0141% | 3,853 |
| Net interest margin | 3.9179% | 3,227 |
| Noninterest income to average assets | 0.5571% | 3,420 |
| Noninterest expense to average assets | 3.4485% | 2,121 |
| Loan and lease loss provision to assets | 0.0663% | 5,478 |
| Net operating income to assets | 0.5075% | 4,469 |
| Return on assets (ROA) | 0.5093% | 4,600 |
| Pretax return on assets | 0.7242% | 4,301 |
| Return on Equity (ROE) | 6.3071% | 3,797 |
| Retained earnings to average equity (ytd only) | 5.3217% | 2,794 |
| Net charge-offs to loans | 0.0566% | 5,083 |
| Credit loss provision to net charge-offs | 208.3333% | 1,441 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,055 |
| Efficiency ratio | 81.4026% | 2,186 |
| Assets per employee ($millions) | 2.4691% | 6,952 |
| Cash dividends to net income (ytd only)* | 15.6250% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 3,591 |
| Loan loss allowance to noncurrent loans | 135.2830% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 5,475 |
| Noncurrent loans to loans | 1.2030% | 4,646 |
| Net loans and leases to total assets | 58.5077% | 4,541 |
| Net loans and leases to deposits | 65.1675% | 5,116 |
| Net loans and leases to core deposits | 66.0444% | 5,509 |
| Total domestic deposits to total assets | 89.7805% | 1,082 |
| Equity capital to assets | 8.4119% | 6,292 |
| Core capital (leverage) ratio | 8.0852% | 6,188 |
| Tier 1 risk-based capital ratio | 11.2451% | 6,355 |
| Total risk-based capital ratio | 12.4968% | 6,350 |
| Memoranda: | ||
| Average total assets | $75,394,670 | 5,674 |
| Average earning assets | $70,804,000 | 5,605 |
| Average equity | $6,088,330 | 6,211 |
| Average total loans | $42,415,000 | 5,688 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 4,258 |
| Cost of funding earning assets | 1.0290% | 3,995 |
| Net interest margin | 3.7300% | 3,947 |
| Noninterest income to average assets | 0.5102% | 3,797 |
| Noninterest expense to average assets | 3.4238% | 2,214 |
| Loan and lease loss provision to assets | 0.1315% | 4,354 |
| Net operating income to assets | 0.3380% | 5,234 |
| Return on assets (ROA) | 0.3419% | 5,293 |
| Pretax return on assets | 0.4681% | 5,127 |
| Return on Equity (ROE) | 4.3211% | 4,738 |
| Retained earnings to average equity (ytd only) | 2.3267% | 4,751 |
| Net charge-offs to loans | 0.1731% | 3,452 |
| Credit loss provision to net charge-offs | 138.8889% | 2,013 |
| Earnings coverage of net charge-offs (x) | 6.2778% | 2,127 |
| Efficiency ratio | 85.2094% | 1,809 |
| Assets per employee ($millions) | 2.7129% | 6,677 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 3,299 |
| Loan loss allowance to noncurrent loans | 97.9339% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 4,987 |
| Noncurrent loans to loans | 1.7475% | 3,895 |
| Net loans and leases to total assets | 53.7558% | 5,337 |
| Net loans and leases to deposits | 59.5256% | 5,766 |
| Net loans and leases to core deposits | 60.3010% | 6,072 |
| Total domestic deposits to total assets | 90.3070% | 961 |
| Equity capital to assets | 7.9395% | 6,554 |
| Core capital (leverage) ratio | 7.8707% | 6,396 |
| Tier 1 risk-based capital ratio | 11.8834% | 5,797 |
| Total risk-based capital ratio | 13.1346% | 5,793 |
| Memoranda: | ||
| Average total assets | $76,055,000 | 5,699 |
| Average earning assets | $71,527,500 | 5,617 |
| Average equity | $6,017,000 | 6,245 |
| Average total loans | $41,594,500 | 5,782 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1348% | 3,928 |
| Cost of funding earning assets | 1.2415% | 4,271 |
| Net interest margin | 3.8933% | 3,523 |
| Noninterest income to average assets | 0.8928% | 1,874 |
| Noninterest expense to average assets | 3.7257% | 1,641 |
| Loan and lease loss provision to assets | 0.1071% | 6,078 |
| Net operating income to assets | 0.5127% | 4,041 |
| Return on assets (ROA) | 0.5086% | 4,214 |
| Pretax return on assets | 0.7100% | 3,943 |
| Return on Equity (ROE) | 6.0217% | 3,593 |
| Retained earnings to average equity (ytd only) | 4.4993% | 2,724 |
| Net charge-offs to loans | 0.1925% | 5,146 |
| Credit loss provision to net charge-offs | 93.7500% | 4,961 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,181 |
| Efficiency ratio | 81.9095% | 2,175 |
| Assets per employee ($millions) | 2.4564% | 7,070 |
| Cash dividends to net income (ytd only)* | 25.2809% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 3,248 |
| Loan loss allowance to noncurrent loans | 96.3064% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 5,089 |
| Noncurrent loans to loans | 1.7554% | 3,873 |
| Net loans and leases to total assets | 53.7637% | 5,661 |
| Net loans and leases to deposits | 59.6793% | 6,094 |
| Net loans and leases to core deposits | 60.4548% | 6,358 |
| Total domestic deposits to total assets | 90.0877% | 1,041 |
| Equity capital to assets | 7.8833% | 6,606 |
| Core capital (leverage) ratio | 7.9685% | 6,248 |
| Tier 1 risk-based capital ratio | 11.9071% | 5,559 |
| Total risk-based capital ratio | 13.1594% | 5,540 |
| Memoranda: | ||
| Average total assets | $70,000,800 | 5,889 |
| Average earning assets | $65,728,200 | 5,808 |
| Average equity | $5,912,000 | 6,394 |
| Average total loans | $41,568,200 | 5,857 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 3,205 |
| Cost of funding earning assets | 1.2945% | 4,248 |
| Net interest margin | 4.0369% | 2,923 |
| Noninterest income to average assets | 0.8802% | 1,873 |
| Noninterest expense to average assets | 3.6826% | 1,606 |
| Loan and lease loss provision to assets | 0.1461% | 5,575 |
| Net operating income to assets | 0.5901% | 3,918 |
| Return on assets (ROA) | 0.5901% | 4,082 |
| Pretax return on assets | 0.8413% | 3,766 |
| Return on Equity (ROE) | 6.8598% | 3,415 |
| Retained earnings to average equity (ytd only) | 4.8222% | 3,110 |
| Net charge-offs to loans | 0.0481% | 6,040 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 33.7990% | 792 |
| Efficiency ratio | 78.8574% | 2,509 |
| Assets per employee ($millions) | 2.2236% | 7,365 |
| Cash dividends to net income (ytd only)* | 29.7037% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 2,675 |
| Loan loss allowance to noncurrent loans | 108.9235% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 5,051 |
| Noncurrent loans to loans | 1.6853% | 4,115 |
| Net loans and leases to total assets | 59.6582% | 4,974 |
| Net loans and leases to deposits | 67.0673% | 5,535 |
| Net loans and leases to core deposits | 68.0416% | 5,933 |
| Total domestic deposits to total assets | 88.9527% | 1,415 |
| Equity capital to assets | 8.6986% | 6,017 |
| Core capital (leverage) ratio | 8.4572% | 5,587 |
| Tier 1 risk-based capital ratio | 12.2134% | 5,255 |
| Total risk-based capital ratio | 13.4681% | 5,220 |
| Memoranda: | ||
| Average total assets | $68,464,000 | 5,992 |
| Average earning assets | $64,271,750 | 5,913 |
| Average equity | $5,889,250 | 6,484 |
| Average total loans | $41,549,250 | 5,942 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 3,159 |
| Cost of funding earning assets | 1.3282% | 4,357 |
| Net interest margin | 4.0312% | 2,873 |
| Noninterest income to average assets | 0.8403% | 1,922 |
| Noninterest expense to average assets | 3.5720% | 1,850 |
| Loan and lease loss provision to assets | 0.1464% | 5,432 |
| Net operating income to assets | 0.6324% | 3,723 |
| Return on assets (ROA) | 0.6324% | 3,863 |
| Pretax return on assets | 0.9076% | 3,464 |
| Return on Equity (ROE) | 7.3800% | 3,155 |
| Retained earnings to average equity (ytd only) | 6.0133% | 2,322 |
| Net charge-offs to loans | 0.0627% | 5,514 |
| Credit loss provision to net charge-offs | 384.6154% | 943 |
| Earnings coverage of net charge-offs (x) | 27.6923% | 969 |
| Efficiency ratio | 77.2152% | 2,858 |
| Assets per employee ($millions) | 2.2401% | 7,406 |
| Cash dividends to net income (ytd only)* | 18.5185% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 2,737 |
| Loan loss allowance to noncurrent loans | 142.6386% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 5,568 |
| Noncurrent loans to loans | 1.2570% | 4,865 |
| Net loans and leases to total assets | 60.8014% | 4,908 |
| Net loans and leases to deposits | 68.4565% | 5,497 |
| Net loans and leases to core deposits | 68.8916% | 5,980 |
| Total domestic deposits to total assets | 88.8176% | 1,538 |
| Equity capital to assets | 8.8819% | 5,627 |
| Core capital (leverage) ratio | 8.5224% | 5,369 |
| Tier 1 risk-based capital ratio | 12.5344% | 4,828 |
| Total risk-based capital ratio | 13.7896% | 4,798 |
| Memoranda: | ||
| Average total assets | $68,308,330 | 6,020 |
| Average earning assets | $64,149,000 | 5,957 |
| Average equity | $5,853,670 | 6,514 |
| Average total loans | $41,435,000 | 5,984 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 3,850 |
| Cost of funding earning assets | 1.3987% | 4,185 |
| Net interest margin | 3.8371% | 3,638 |
| Noninterest income to average assets | 0.8307% | 1,881 |
| Noninterest expense to average assets | 3.4214% | 2,176 |
| Loan and lease loss provision to assets | 0.1452% | 5,099 |
| Net operating income to assets | 0.6041% | 3,877 |
| Return on assets (ROA) | 0.6041% | 4,025 |
| Pretax return on assets | 0.8655% | 3,604 |
| Return on Equity (ROE) | 7.1774% | 3,252 |
| Retained earnings to average equity (ytd only) | 4.4168% | 3,503 |
| Net charge-offs to loans | 0.0774% | 4,645 |
| Credit loss provision to net charge-offs | 312.5000% | 1,259 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,112 |
| Efficiency ratio | 77.1953% | 3,033 |
| Assets per employee ($millions) | 2.3171% | 7,442 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 2,669 |
| Loan loss allowance to noncurrent loans | 176.2136% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 5,986 |
| Noncurrent loans to loans | 1.0325% | 5,269 |
| Net loans and leases to total assets | 58.3047% | 5,383 |
| Net loans and leases to deposits | 65.2364% | 5,905 |
| Net loans and leases to core deposits | 65.2364% | 6,346 |
| Total domestic deposits to total assets | 89.3745% | 1,316 |
| Equity capital to assets | 8.6671% | 5,779 |
| Core capital (leverage) ratio | 8.2730% | 5,793 |
| Tier 1 risk-based capital ratio | 12.7828% | 4,501 |
| Total risk-based capital ratio | 14.0369% | 4,459 |
| Memoranda: | ||
| Average total assets | $68,860,500 | 6,075 |
| Average earning assets | $64,632,000 | 6,012 |
| Average equity | $5,796,000 | 6,587 |
| Average total loans | $41,349,000 | 6,057 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0909% | 1,543 |
| Cost of funding earning assets | 2.0110% | 2,913 |
| Net interest margin | 4.0799% | 2,530 |
| Noninterest income to average assets | 0.8449% | 2,202 |
| Noninterest expense to average assets | 3.8607% | 1,566 |
| Loan and lease loss provision to assets | 0.1142% | 6,504 |
| Net operating income to assets | 0.3928% | 4,155 |
| Return on assets (ROA) | 0.3928% | 4,253 |
| Pretax return on assets | 0.5206% | 4,130 |
| Return on Equity (ROE) | 4.5440% | 3,862 |
| Retained earnings to average equity (ytd only) | 2.4305% | 3,432 |
| Net charge-offs to loans | 0.0189% | 6,958 |
| Credit loss provision to net charge-offs | 937.5000% | 312 |
| Earnings coverage of net charge-offs (x) | 52.1250% | 499 |
| Efficiency ratio | 85.8788% | 2,128 |
| Assets per employee ($millions) | 2.3508% | 7,405 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 3,060 |
| Loan loss allowance to noncurrent loans | 1,648.8372% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 7,347 |
| Noncurrent loans to loans | 0.1005% | 7,162 |
| Net loans and leases to total assets | 59.6733% | 5,384 |
| Net loans and leases to deposits | 66.4068% | 6,006 |
| Net loans and leases to core deposits | 77.4457% | 6,305 |
| Total domestic deposits to total assets | 89.8602% | 1,033 |
| Equity capital to assets | 8.1788% | 6,364 |
| Core capital (leverage) ratio | 8.3114% | 5,591 |
| Tier 1 risk-based capital ratio | 11.8120% | 5,101 |
| Total risk-based capital ratio | 13.0641% | 5,068 |
| Memoranda: | ||
| Average total assets | $65,688,000 | 6,148 |
| Average earning assets | $58,776,600 | 6,180 |
| Average equity | $5,677,800 | 6,716 |
| Average total loans | $42,333,000 | 6,003 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2746% | 1,188 |
| Cost of funding earning assets | 2.1282% | 2,754 |
| Net interest margin | 4.1464% | 2,227 |
| Noninterest income to average assets | 0.8809% | 2,054 |
| Noninterest expense to average assets | 3.7841% | 1,624 |
| Loan and lease loss provision to assets | 0.1034% | 6,339 |
| Net operating income to assets | 0.4756% | 4,091 |
| Return on assets (ROA) | 0.4756% | 4,193 |
| Pretax return on assets | 0.6555% | 4,002 |
| Return on Equity (ROE) | 5.4226% | 3,773 |
| Retained earnings to average equity (ytd only) | 2.5933% | 3,868 |
| Net charge-offs to loans | 0.0284% | 6,486 |
| Credit loss provision to net charge-offs | 555.5556% | 699 |
| Earnings coverage of net charge-offs (x) | 40.7767% | 737 |
| Efficiency ratio | 83.2954% | 2,391 |
| Assets per employee ($millions) | 2.0987% | 7,718 |
| Cash dividends to net income (ytd only)* | 52.1750% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 3,002 |
| Loan loss allowance to noncurrent loans | 609.8214% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 7,103 |
| Noncurrent loans to loans | 0.2620% | 6,853 |
| Net loans and leases to total assets | 64.6619% | 4,721 |
| Net loans and leases to deposits | 72.7560% | 5,541 |
| Net loans and leases to core deposits | 86.9500% | 5,767 |
| Total domestic deposits to total assets | 88.8749% | 1,255 |
| Equity capital to assets | 8.8272% | 5,741 |
| Core capital (leverage) ratio | 8.6446% | 5,237 |
| Tier 1 risk-based capital ratio | 11.8788% | 5,083 |
| Total risk-based capital ratio | 13.1307% | 5,013 |
| Memoranda: | ||
| Average total assets | $64,479,000 | 6,228 |
| Average earning assets | $56,947,250 | 6,297 |
| Average equity | $5,655,250 | 6,796 |
| Average total loans | $42,218,000 | 6,059 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3341% | 1,130 |
| Cost of funding earning assets | 2.2216% | 2,696 |
| Net interest margin | 4.1125% | 2,276 |
| Noninterest income to average assets | 0.8742% | 2,083 |
| Noninterest expense to average assets | 3.6991% | 1,840 |
| Loan and lease loss provision to assets | 0.0778% | 6,410 |
| Net operating income to assets | 0.4760% | 4,190 |
| Return on assets (ROA) | 0.4760% | 4,302 |
| Pretax return on assets | 0.6564% | 4,139 |
| Return on Equity (ROE) | 5.4390% | 3,889 |
| Retained earnings to average equity (ytd only) | 3.3061% | 3,484 |
| Net charge-offs to loans | 0.0285% | 6,077 |
| Credit loss provision to net charge-offs | 416.6667% | 1,110 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 824 |
| Efficiency ratio | 83.4386% | 2,551 |
| Assets per employee ($millions) | 2.0940% | 7,777 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 3,068 |
| Loan loss allowance to noncurrent loans | 175.7979% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 5,972 |
| Noncurrent loans to loans | 0.8670% | 5,480 |
| Net loans and leases to total assets | 65.7881% | 4,609 |
| Net loans and leases to deposits | 74.1690% | 5,425 |
| Net loans and leases to core deposits | 89.8126% | 5,553 |
| Total domestic deposits to total assets | 88.7003% | 1,434 |
| Equity capital to assets | 8.7548% | 5,675 |
| Core capital (leverage) ratio | 8.5512% | 5,357 |
| Tier 1 risk-based capital ratio | 11.7537% | 5,142 |
| Total risk-based capital ratio | 13.0056% | 5,063 |
| Memoranda: | ||
| Average total assets | $64,285,330 | 6,293 |
| Average earning assets | $55,635,670 | 6,408 |
| Average equity | $5,626,000 | 6,856 |
| Average total loans | $42,040,000 | 6,111 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2442% | 1,462 |
| Cost of funding earning assets | 2.2342% | 2,994 |
| Net interest margin | 4.0100% | 2,603 |
| Noninterest income to average assets | 0.9442% | 1,671 |
| Noninterest expense to average assets | 3.7267% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5101% | 4,372 |
| Return on assets (ROA) | 0.5190% | 4,532 |
| Pretax return on assets | 0.7316% | 4,316 |
| Return on Equity (ROE) | 5.9312% | 4,068 |
| Retained earnings to average equity (ytd only) | 1.6436% | 4,925 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8256% | 2,328 |
| Assets per employee ($millions) | 2.1885% | 7,729 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 2,613 |
| Loan loss allowance to noncurrent loans | 70.4720% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.3875% | 3,865 |
| Noncurrent loans to loans | 2.2390% | 2,941 |
| Net loans and leases to total assets | 60.9937% | 5,498 |
| Net loans and leases to deposits | 68.5813% | 6,120 |
| Net loans and leases to core deposits | 83.1158% | 6,138 |
| Total domestic deposits to total assets | 88.9363% | 1,257 |
| Equity capital to assets | 8.5522% | 5,990 |
| Core capital (leverage) ratio | 8.7973% | 4,994 |
| Tier 1 risk-based capital ratio | 12.1608% | 4,819 |
| Total risk-based capital ratio | 13.4132% | 4,711 |
| Memoranda: | ||
| Average total assets | $63,971,500 | 6,327 |
| Average earning assets | $55,860,000 | 6,422 |
| Average equity | $5,597,500 | 6,918 |
| Average total loans | $41,377,000 | 6,175 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8818% | 1,457 |
| Cost of funding earning assets | 2.6990% | 3,163 |
| Net interest margin | 4.1828% | 2,380 |
| Noninterest income to average assets | 0.8732% | 2,088 |
| Noninterest expense to average assets | 3.7240% | 1,906 |
| Loan and lease loss provision to assets | 0.1617% | 5,312 |
| Net operating income to assets | 0.6979% | 3,899 |
| Return on assets (ROA) | 0.4851% | 4,628 |
| Pretax return on assets | 0.5643% | 4,795 |
| Return on Equity (ROE) | 5.4953% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.6635% | 2,874 |
| Net charge-offs to loans | 0.0025% | 6,982 |
| Credit loss provision to net charge-offs | 10,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 602.0000% | 93 |
| Efficiency ratio | 79.2771% | 2,711 |
| Assets per employee ($millions) | 2.0762% | 7,843 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 2,562 |
| Loan loss allowance to noncurrent loans | 4,938.4615% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 7,516 |
| Noncurrent loans to loans | 0.0309% | 7,384 |
| Net loans and leases to total assets | 66.5050% | 4,753 |
| Net loans and leases to deposits | 75.4962% | 5,654 |
| Net loans and leases to core deposits | 90.3921% | 5,770 |
| Total domestic deposits to total assets | 88.0906% | 1,434 |
| Equity capital to assets | 8.9585% | 5,423 |
| Core capital (leverage) ratio | 9.1118% | 4,579 |
| Tier 1 risk-based capital ratio | 11.5596% | 5,186 |
| Total risk-based capital ratio | 12.8100% | 5,077 |
| Memoranda: | ||
| Average total assets | $61,842,000 | 6,323 |
| Average earning assets | $56,540,400 | 6,323 |
| Average equity | $5,459,200 | 6,994 |
| Average total loans | $40,089,000 | 6,157 |