Home > Three Rivers Bank of Montana > Performance and Condition Ratios
Three Rivers Bank of Montana, 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 | 5.3741% | 1,353 |
| Cost of funding earning assets | 1.1738% | 2,873 |
| Net interest margin | 4.2003% | 932 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.9510% | 1,189 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.1079% | 1,901 |
| Return on assets (ROA) | 1.1079% | 1,871 |
| Pretax return on assets | 1.4159% | 1,602 |
| Return on Equity (ROE) | 13.1100% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.3808% | 927 |
| Net charge-offs to loans | 0.2130% | 510 |
| Credit loss provision to net charge-offs | 70.0219% | 2,085 |
| Earnings coverage of net charge-offs (x) | 10.1138% | 2,258 |
| Efficiency ratio | 65.9847% | 2,357 |
| Assets per employee ($millions) | 5.7951% | 2,983 |
| Cash dividends to net income (ytd only)* | 20.7962% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 1,565 |
| Loan loss allowance to noncurrent loans | 74.1123% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.3319% | 308 |
| Noncurrent loans to loans | 1.8279% | 324 |
| Net loans and leases to total assets | 71.8800% | 1,596 |
| Net loans and leases to deposits | 83.5711% | 1,813 |
| Net loans and leases to core deposits | 91.1158% | 1,976 |
| Total domestic deposits to total assets | 86.0100% | 2,014 |
| Equity capital to assets | 8.9596% | 2,703 |
| Core capital (leverage) ratio | 9.8627% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $303,828,000 | 2,412 |
| Average earning assets | $280,454,800 | 2,413 |
| Average equity | $25,682,000 | 2,478 |
| Average total loans | $214,522,200 | 2,195 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2706% | 1,326 |
| Cost of funding earning assets | 0.9549% | 3,146 |
| Net interest margin | 4.3157% | 790 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.9880% | 1,088 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1342% | 1,957 |
| Return on assets (ROA) | 1.1447% | 1,913 |
| Pretax return on assets | 1.4923% | 1,572 |
| Return on Equity (ROE) | 13.7600% | 1,716 |
| Retained earnings to average equity (ytd only) | 10.0371% | 1,391 |
| Net charge-offs to loans | 0.0158% | 1,832 |
| Credit loss provision to net charge-offs | 480.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 138.6000% | 773 |
| Efficiency ratio | 66.1058% | 2,265 |
| Assets per employee ($millions) | 5.6215% | 3,084 |
| Cash dividends to net income (ytd only)* | 27.0375% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,113 |
| Loan loss allowance to noncurrent loans | 325.9078% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 1,684 |
| Noncurrent loans to loans | 0.4606% | 1,671 |
| Net loans and leases to total assets | 71.7800% | 1,602 |
| Net loans and leases to deposits | 78.6599% | 2,176 |
| Net loans and leases to core deposits | 82.8249% | 2,410 |
| Total domestic deposits to total assets | 91.2500% | 609 |
| Equity capital to assets | 8.1750% | 2,947 |
| Core capital (leverage) ratio | 9.7487% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $301,550,500 | 2,425 |
| Average earning assets | $278,848,000 | 2,423 |
| Average equity | $25,093,000 | 2,498 |
| Average total loans | $211,147,000 | 2,221 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2518% | 1,147 |
| Cost of funding earning assets | 0.7859% | 3,250 |
| Net interest margin | 4.4659% | 638 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.9121% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3542% | 1,440 |
| Return on assets (ROA) | 1.3700% | 1,381 |
| Pretax return on assets | 1.7974% | 1,012 |
| Return on Equity (ROE) | 16.3700% | 1,208 |
| Retained earnings to average equity (ytd only) | 10.8079% | 1,223 |
| Net charge-offs to loans | 0.0135% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 632 |
| Efficiency ratio | 62.0978% | 2,705 |
| Assets per employee ($millions) | 6.2344% | 2,518 |
| Cash dividends to net income (ytd only)* | 33.9641% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,143 |
| Loan loss allowance to noncurrent loans | 933.7209% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 2,728 |
| Noncurrent loans to loans | 0.1619% | 2,668 |
| Net loans and leases to total assets | 69.9400% | 1,747 |
| Net loans and leases to deposits | 76.9365% | 2,221 |
| Net loans and leases to core deposits | 81.3690% | 2,381 |
| Total domestic deposits to total assets | 90.9000% | 684 |
| Equity capital to assets | 8.6620% | 2,736 |
| Core capital (leverage) ratio | 9.6717% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $300,880,667 | 2,434 |
| Average earning assets | $279,180,333 | 2,427 |
| Average equity | $25,185,333 | 2,516 |
| Average total loans | $207,790,667 | 2,236 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 1,019 |
| Cost of funding earning assets | 0.5457% | 3,550 |
| Net interest margin | 4.6042% | 504 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.9023% | 1,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4412% | 1,305 |
| Return on assets (ROA) | 1.4412% | 1,278 |
| Pretax return on assets | 1.8840% | 930 |
| Return on Equity (ROE) | 17.5200% | 1,096 |
| Retained earnings to average equity (ytd only) | 6.2375% | 2,699 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.6371% | 2,873 |
| Assets per employee ($millions) | 6.4181% | 2,392 |
| Cash dividends to net income (ytd only)* | 64.3974% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 1,086 |
| Loan loss allowance to noncurrent loans | 582.4910% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 2,249 |
| Noncurrent loans to loans | 0.2683% | 2,185 |
| Net loans and leases to total assets | 65.9700% | 2,061 |
| Net loans and leases to deposits | 72.1548% | 2,459 |
| Net loans and leases to core deposits | 74.2963% | 2,654 |
| Total domestic deposits to total assets | 91.4300% | 665 |
| Equity capital to assets | 8.2082% | 3,102 |
| Core capital (leverage) ratio | 9.3236% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $301,696,500 | 2,465 |
| Average earning assets | $281,484,000 | 2,447 |
| Average equity | $24,817,500 | 2,559 |
| Average total loans | $205,439,500 | 2,264 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 614 |
| Cost of funding earning assets | 0.2517% | 3,306 |
| Net interest margin | 4.3497% | 382 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.9758% | 1,004 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1870% | 1,822 |
| Return on assets (ROA) | 1.1870% | 1,760 |
| Pretax return on assets | 1.5583% | 1,273 |
| Return on Equity (ROE) | 14.5800% | 1,371 |
| Retained earnings to average equity (ytd only) | 14.5806% | 327 |
| Net charge-offs to loans | -0.1423% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2811% | 2,324 |
| Assets per employee ($millions) | 5.7907% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,014 |
| Loan loss allowance to noncurrent loans | 544.1821% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 2,164 |
| Noncurrent loans to loans | 0.2901% | 2,107 |
| Net loans and leases to total assets | 68.1200% | 1,818 |
| Net loans and leases to deposits | 74.4885% | 2,220 |
| Net loans and leases to core deposits | 77.0609% | 2,348 |
| Total domestic deposits to total assets | 91.4500% | 793 |
| Equity capital to assets | 8.2445% | 2,899 |
| Core capital (leverage) ratio | 9.5368% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $287,624,200 | 2,512 |
| Average earning assets | $266,200,600 | 2,515 |
| Average equity | $23,414,600 | 2,678 |
| Average total loans | $193,994,000 | 2,280 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 555 |
| Cost of funding earning assets | 0.2333% | 2,891 |
| Net interest margin | 4.1877% | 433 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 3.0647% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0393% | 2,326 |
| Return on assets (ROA) | 1.0393% | 2,293 |
| Pretax return on assets | 1.3646% | 1,833 |
| Return on Equity (ROE) | 12.8100% | 1,769 |
| Retained earnings to average equity (ytd only) | 12.8089% | 646 |
| Net charge-offs to loans | -0.1839% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.1919% | 1,865 |
| Assets per employee ($millions) | 5.8811% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,100 |
| Loan loss allowance to noncurrent loans | 188.3234% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 916 |
| Noncurrent loans to loans | 0.8408% | 932 |
| Net loans and leases to total assets | 67.8300% | 1,696 |
| Net loans and leases to deposits | 73.8249% | 2,071 |
| Net loans and leases to core deposits | 78.1130% | 2,033 |
| Total domestic deposits to total assets | 91.8900% | 917 |
| Equity capital to assets | 7.6215% | 3,142 |
| Core capital (leverage) ratio | 9.2828% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $285,699,250 | 2,543 |
| Average earning assets | $264,038,500 | 2,547 |
| Average equity | $23,181,250 | 2,728 |
| Average total loans | $191,390,000 | 2,296 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 451 |
| Cost of funding earning assets | 0.2314% | 2,483 |
| Net interest margin | 4.1510% | 369 |
| Noninterest income to average assets | 0.5553% | 1,920 |
| Noninterest expense to average assets | 3.0371% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0334% | 2,034 |
| Return on assets (ROA) | 1.0334% | 2,010 |
| Pretax return on assets | 1.3599% | 1,553 |
| Return on Equity (ROE) | 12.4813% | 1,532 |
| Retained earnings to average equity (ytd only) | 12.4813% | 533 |
| Net charge-offs to loans | -0.2794% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0723% | 2,093 |
| Assets per employee ($millions) | 4.9765% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 1,080 |
| Loan loss allowance to noncurrent loans | 728.0093% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 2,604 |
| Noncurrent loans to loans | 0.2245% | 2,601 |
| Net loans and leases to total assets | 69.1581% | 1,383 |
| Net loans and leases to deposits | 75.8212% | 1,694 |
| Net loans and leases to core deposits | 79.5871% | 1,742 |
| Total domestic deposits to total assets | 91.2121% | 1,145 |
| Equity capital to assets | 8.3630% | 2,860 |
| Core capital (leverage) ratio | 9.1473% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,874,667 | 2,564 |
| Average earning assets | $263,646,000 | 2,581 |
| Average equity | $23,587,333 | 2,772 |
| Average total loans | $188,978,000 | 2,310 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 871 |
| Cost of funding earning assets | 0.2311% | 2,384 |
| Net interest margin | 3.7024% | 747 |
| Noninterest income to average assets | 0.5880% | 1,745 |
| Noninterest expense to average assets | 2.9581% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8153% | 2,613 |
| Return on assets (ROA) | 0.8153% | 2,600 |
| Pretax return on assets | 1.0714% | 2,231 |
| Return on Equity (ROE) | 9.8930% | 1,999 |
| Retained earnings to average equity (ytd only) | 9.8930% | 1,044 |
| Net charge-offs to loans | -0.1367% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4108% | 1,807 |
| Assets per employee ($millions) | 5.6364% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 1,360 |
| Loan loss allowance to noncurrent loans | 417.5887% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 2,194 |
| Noncurrent loans to loans | 0.3752% | 2,144 |
| Net loans and leases to total assets | 63.1110% | 1,729 |
| Net loans and leases to deposits | 68.8950% | 2,058 |
| Net loans and leases to core deposits | 72.0640% | 2,103 |
| Total domestic deposits to total assets | 91.6047% | 749 |
| Equity capital to assets | 8.0005% | 3,569 |
| Core capital (leverage) ratio | 8.5145% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,459,000 | 2,545 |
| Average earning assets | $269,985,000 | 2,557 |
| Average equity | $23,936,000 | 2,841 |
| Average total loans | $187,249,500 | 2,314 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 785 |
| Cost of funding earning assets | 0.2587% | 2,826 |
| Net interest margin | 4.0910% | 611 |
| Noninterest income to average assets | 0.8829% | 1,250 |
| Noninterest expense to average assets | 3.0801% | 871 |
| Loan and lease loss provision to assets | 0.0393% | 2,254 |
| Net operating income to assets | 1.1928% | 1,945 |
| Return on assets (ROA) | 1.1928% | 2,006 |
| Pretax return on assets | 1.5825% | 1,474 |
| Return on Equity (ROE) | 13.4580% | 1,327 |
| Retained earnings to average equity (ytd only) | 8.5771% | 1,317 |
| Net charge-offs to loans | -0.0424% | 4,246 |
| Credit loss provision to net charge-offs | -136.9863% | 3,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5069% | 2,339 |
| Assets per employee ($millions) | 5.2332% | 3,530 |
| Cash dividends to net income (ytd only)* | 36.2677% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,413 |
| Loan loss allowance to noncurrent loans | 370.1799% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 2,197 |
| Noncurrent loans to loans | 0.4170% | 2,105 |
| Net loans and leases to total assets | 63.8239% | 1,725 |
| Net loans and leases to deposits | 70.0980% | 2,125 |
| Net loans and leases to core deposits | 73.5425% | 2,114 |
| Total domestic deposits to total assets | 91.0494% | 479 |
| Equity capital to assets | 8.4854% | 4,055 |
| Core capital (leverage) ratio | 8.6207% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,280,200 | 2,696 |
| Average earning assets | $237,372,600 | 2,696 |
| Average equity | $22,536,800 | 3,015 |
| Average total loans | $172,193,800 | 2,444 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 799 |
| Cost of funding earning assets | 0.2614% | 3,001 |
| Net interest margin | 4.1466% | 604 |
| Noninterest income to average assets | 0.9858% | 1,092 |
| Noninterest expense to average assets | 3.2127% | 695 |
| Loan and lease loss provision to assets | 0.0541% | 1,902 |
| Net operating income to assets | 1.2048% | 2,153 |
| Return on assets (ROA) | 1.2048% | 2,213 |
| Pretax return on assets | 1.5979% | 1,707 |
| Return on Equity (ROE) | 13.4265% | 1,565 |
| Retained earnings to average equity (ytd only) | 6.7797% | 2,502 |
| Net charge-offs to loans | -0.0569% | 4,410 |
| Credit loss provision to net charge-offs | -138.8889% | 3,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0388% | 2,094 |
| Assets per employee ($millions) | 5.1877% | 3,517 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 1,276 |
| Loan loss allowance to noncurrent loans | 340.3073% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 2,176 |
| Noncurrent loans to loans | 0.4770% | 2,129 |
| Net loans and leases to total assets | 65.9420% | 1,558 |
| Net loans and leases to deposits | 72.9386% | 1,967 |
| Net loans and leases to core deposits | 77.7829% | 1,905 |
| Total domestic deposits to total assets | 90.4075% | 600 |
| Equity capital to assets | 8.9484% | 3,874 |
| Core capital (leverage) ratio | 9.1554% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,894,000 | 2,778 |
| Average earning assets | $230,031,250 | 2,766 |
| Average equity | $22,065,250 | 3,084 |
| Average total loans | $168,597,000 | 2,516 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 769 |
| Cost of funding earning assets | 0.2648% | 3,139 |
| Net interest margin | 4.2020% | 583 |
| Noninterest income to average assets | 1.0823% | 953 |
| Noninterest expense to average assets | 3.2378% | 676 |
| Loan and lease loss provision to assets | 0.0834% | 1,466 |
| Net operating income to assets | 1.2668% | 1,966 |
| Return on assets (ROA) | 1.2668% | 2,040 |
| Pretax return on assets | 1.6815% | 1,527 |
| Return on Equity (ROE) | 14.1021% | 1,384 |
| Retained earnings to average equity (ytd only) | 3.8832% | 3,556 |
| Net charge-offs to loans | -0.0760% | 4,533 |
| Credit loss provision to net charge-offs | -158.7302% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7206% | 2,332 |
| Assets per employee ($millions) | 4.8148% | 3,824 |
| Cash dividends to net income (ytd only)* | 72.4638% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 1,170 |
| Loan loss allowance to noncurrent loans | 313.6612% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 2,089 |
| Noncurrent loans to loans | 0.5260% | 2,097 |
| Net loans and leases to total assets | 71.0652% | 1,072 |
| Net loans and leases to deposits | 78.8108% | 1,543 |
| Net loans and leases to core deposits | 84.7204% | 1,514 |
| Total domestic deposits to total assets | 90.1719% | 690 |
| Equity capital to assets | 9.1319% | 3,673 |
| Core capital (leverage) ratio | 8.5762% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,668,000 | 2,812 |
| Average earning assets | $223,606,667 | 2,807 |
| Average equity | $21,528,667 | 3,127 |
| Average total loans | $165,681,667 | 2,546 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 942 |
| Cost of funding earning assets | 0.2589% | 3,389 |
| Net interest margin | 4.1107% | 711 |
| Noninterest income to average assets | 1.0270% | 1,096 |
| Noninterest expense to average assets | 3.3337% | 574 |
| Loan and lease loss provision to assets | 0.1673% | 747 |
| Net operating income to assets | 1.0220% | 2,740 |
| Return on assets (ROA) | 1.0220% | 2,821 |
| Pretax return on assets | 1.3499% | 2,434 |
| Return on Equity (ROE) | 11.4736% | 2,198 |
| Retained earnings to average equity (ytd only) | -9.1827% | 4,802 |
| Net charge-offs to loans | -0.1659% | 4,756 |
| Credit loss provision to net charge-offs | -149.2537% | 2,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7241% | 1,843 |
| Assets per employee ($millions) | 5.1632% | 3,471 |
| Cash dividends to net income (ytd only)* | 180.0327% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 941 |
| Loan loss allowance to noncurrent loans | 295.0719% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 2,230 |
| Noncurrent loans to loans | 0.5930% | 2,083 |
| Net loans and leases to total assets | 65.1124% | 1,912 |
| Net loans and leases to deposits | 71.7985% | 2,333 |
| Net loans and leases to core deposits | 75.0806% | 2,423 |
| Total domestic deposits to total assets | 90.6877% | 514 |
| Equity capital to assets | 8.4856% | 4,128 |
| Core capital (leverage) ratio | 8.6613% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,133,000 | 2,806 |
| Average earning assets | $222,445,000 | 2,795 |
| Average equity | $21,301,000 | 3,132 |
| Average total loans | $161,547,000 | 2,583 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 458 |
| Cost of funding earning assets | 0.4001% | 3,577 |
| Net interest margin | 4.6276% | 251 |
| Noninterest income to average assets | 1.4204% | 585 |
| Noninterest expense to average assets | 3.6250% | 582 |
| Loan and lease loss provision to assets | 0.6316% | 298 |
| Net operating income to assets | 1.0611% | 2,063 |
| Return on assets (ROA) | 1.0611% | 2,201 |
| Pretax return on assets | 1.4300% | 1,571 |
| Return on Equity (ROE) | 10.2351% | 1,915 |
| Retained earnings to average equity (ytd only) | 5.2735% | 2,152 |
| Net charge-offs to loans | 0.1291% | 1,221 |
| Credit loss provision to net charge-offs | 647.6684% | 1,054 |
| Earnings coverage of net charge-offs (x) | 21.1399% | 1,912 |
| Efficiency ratio | 63.7462% | 2,861 |
| Assets per employee ($millions) | 5.9085% | 2,427 |
| Cash dividends to net income (ytd only)* | 48.4762% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 1,027 |
| Loan loss allowance to noncurrent loans | 193.6338% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 1,742 |
| Noncurrent loans to loans | 0.8801% | 1,605 |
| Net loans and leases to total assets | 67.7607% | 1,854 |
| Net loans and leases to deposits | 75.3375% | 2,348 |
| Net loans and leases to core deposits | 78.7877% | 2,478 |
| Total domestic deposits to total assets | 89.9428% | 590 |
| Equity capital to assets | 9.3615% | 3,728 |
| Core capital (leverage) ratio | 9.6807% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,905,800 | 2,958 |
| Average earning assets | $182,450,400 | 2,977 |
| Average equity | $20,517,600 | 3,139 |
| Average total loans | $149,485,800 | 2,670 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1905% | 423 |
| Cost of funding earning assets | 0.4302% | 3,642 |
| Net interest margin | 4.7603% | 221 |
| Noninterest income to average assets | 1.5358% | 496 |
| Noninterest expense to average assets | 3.7883% | 463 |
| Loan and lease loss provision to assets | 0.5970% | 427 |
| Net operating income to assets | 1.1241% | 1,901 |
| Return on assets (ROA) | 1.1241% | 2,021 |
| Pretax return on assets | 1.5274% | 1,386 |
| Return on Equity (ROE) | 10.5326% | 1,834 |
| Retained earnings to average equity (ytd only) | 3.8312% | 3,124 |
| Net charge-offs to loans | 0.0426% | 2,014 |
| Credit loss provision to net charge-offs | 1,808.5106% | 526 |
| Earnings coverage of net charge-offs (x) | 64.3404% | 1,052 |
| Efficiency ratio | 64.0684% | 2,721 |
| Assets per employee ($millions) | 4.3020% | 4,045 |
| Cash dividends to net income (ytd only)* | 63.6250% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,448 |
| Loan loss allowance to noncurrent loans | 118.6744% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 1,140 |
| Noncurrent loans to loans | 1.2462% | 1,215 |
| Net loans and leases to total assets | 77.5223% | 895 |
| Net loans and leases to deposits | 87.0733% | 1,587 |
| Net loans and leases to core deposits | 95.5498% | 1,498 |
| Total domestic deposits to total assets | 89.0311% | 752 |
| Equity capital to assets | 9.9793% | 3,245 |
| Core capital (leverage) ratio | 9.8448% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,774,000 | 3,014 |
| Average earning assets | $174,494,750 | 3,027 |
| Average equity | $20,254,000 | 3,156 |
| Average total loans | $147,144,750 | 2,691 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3816% | 415 |
| Cost of funding earning assets | 0.4784% | 3,666 |
| Net interest margin | 4.9033% | 240 |
| Noninterest income to average assets | 1.2103% | 682 |
| Noninterest expense to average assets | 3.7961% | 504 |
| Loan and lease loss provision to assets | 0.4924% | 738 |
| Net operating income to assets | 0.9520% | 2,482 |
| Return on assets (ROA) | 0.9520% | 2,614 |
| Pretax return on assets | 1.3186% | 1,972 |
| Return on Equity (ROE) | 8.7029% | 2,493 |
| Retained earnings to average equity (ytd only) | -1.4805% | 4,536 |
| Net charge-offs to loans | 0.1629% | 918 |
| Credit loss provision to net charge-offs | 391.3043% | 1,426 |
| Earnings coverage of net charge-offs (x) | 14.3913% | 1,945 |
| Efficiency ratio | 67.7010% | 2,281 |
| Assets per employee ($millions) | 3.9623% | 4,348 |
| Cash dividends to net income (ytd only)* | 117.0115% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,251 |
| Loan loss allowance to noncurrent loans | 64.1979% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.5301% | 603 |
| Noncurrent loans to loans | 1.9478% | 705 |
| Net loans and leases to total assets | 77.5723% | 908 |
| Net loans and leases to deposits | 87.0842% | 1,656 |
| Net loans and leases to core deposits | 94.7326% | 1,689 |
| Total domestic deposits to total assets | 89.0774% | 716 |
| Equity capital to assets | 10.0403% | 3,166 |
| Core capital (leverage) ratio | 9.8422% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,766,667 | 3,052 |
| Average earning assets | $163,890,667 | 3,099 |
| Average equity | $19,993,333 | 3,173 |
| Average total loans | $141,223,333 | 2,733 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 408 |
| Cost of funding earning assets | 0.5114% | 3,887 |
| Net interest margin | 4.9480% | 213 |
| Noninterest income to average assets | 0.8942% | 1,080 |
| Noninterest expense to average assets | 3.8726% | 577 |
| Loan and lease loss provision to assets | 0.3466% | 885 |
| Net operating income to assets | 0.8157% | 2,854 |
| Return on assets (ROA) | 0.8157% | 2,942 |
| Pretax return on assets | 1.2131% | 2,141 |
| Return on Equity (ROE) | 7.1150% | 2,896 |
| Retained earnings to average equity (ytd only) | -13.4035% | 4,860 |
| Net charge-offs to loans | 0.2597% | 567 |
| Credit loss provision to net charge-offs | 174.4186% | 1,492 |
| Earnings coverage of net charge-offs (x) | 7.8488% | 1,894 |
| Efficiency ratio | 71.2888% | 2,179 |
| Assets per employee ($millions) | 3.8448% | 4,124 |
| Cash dividends to net income (ytd only)* | 288.3853% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,142 |
| Loan loss allowance to noncurrent loans | 55.0417% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.7607% | 534 |
| Noncurrent loans to loans | 2.3662% | 525 |
| Net loans and leases to total assets | 73.4426% | 1,703 |
| Net loans and leases to deposits | 83.5904% | 2,277 |
| Net loans and leases to core deposits | 93.9177% | 1,987 |
| Total domestic deposits to total assets | 87.8600% | 1,162 |
| Equity capital to assets | 11.0996% | 2,775 |
| Core capital (leverage) ratio | 11.3737% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,112,000 | 3,104 |
| Average earning assets | $158,771,000 | 3,120 |
| Average equity | $19,845,500 | 3,181 |
| Average total loans | $132,465,000 | 2,807 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7836% | 338 |
| Cost of funding earning assets | 0.5015% | 4,085 |
| Net interest margin | 5.2821% | 157 |
| Noninterest income to average assets | 0.7317% | 1,701 |
| Noninterest expense to average assets | 3.7295% | 733 |
| Loan and lease loss provision to assets | 0.3111% | 522 |
| Net operating income to assets | 1.2124% | 2,012 |
| Return on assets (ROA) | 1.2264% | 2,050 |
| Pretax return on assets | 1.5989% | 1,487 |
| Return on Equity (ROE) | 10.4682% | 2,098 |
| Retained earnings to average equity (ytd only) | -1.0271% | 4,807 |
| Net charge-offs to loans | 0.2531% | 816 |
| Credit loss provision to net charge-offs | 159.0062% | 1,620 |
| Earnings coverage of net charge-offs (x) | 9.6708% | 2,641 |
| Efficiency ratio | 66.3388% | 2,719 |
| Assets per employee ($millions) | 4.0324% | 3,863 |
| Cash dividends to net income (ytd only)* | 109.8117% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,242 |
| Loan loss allowance to noncurrent loans | 55.1839% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.7654% | 504 |
| Noncurrent loans to loans | 2.2427% | 546 |
| Net loans and leases to total assets | 77.7471% | 1,120 |
| Net loans and leases to deposits | 88.6795% | 1,747 |
| Net loans and leases to core deposits | 98.6559% | 1,683 |
| Total domestic deposits to total assets | 87.6720% | 1,288 |
| Equity capital to assets | 11.8445% | 2,243 |
| Core capital (leverage) ratio | 11.6207% | 2,023 |
| Tier 1 risk-based capital ratio | 14.4346% | 3,056 |
| Total risk-based capital ratio | 15.6243% | 2,990 |
| Memoranda: | ||
| Average total assets | $164,551,200 | 3,160 |
| Average earning assets | $152,344,200 | 3,159 |
| Average equity | $19,277,400 | 3,195 |
| Average total loans | $127,246,600 | 2,853 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7598% | 377 |
| Cost of funding earning assets | 0.4905% | 4,181 |
| Net interest margin | 5.2692% | 176 |
| Noninterest income to average assets | 0.8530% | 1,261 |
| Noninterest expense to average assets | 3.7139% | 739 |
| Loan and lease loss provision to assets | 0.2759% | 559 |
| Net operating income to assets | 1.3362% | 1,692 |
| Return on assets (ROA) | 1.3549% | 1,692 |
| Pretax return on assets | 1.7704% | 1,160 |
| Return on Equity (ROE) | 11.5989% | 1,758 |
| Retained earnings to average equity (ytd only) | -3.8849% | 5,020 |
| Net charge-offs to loans | 0.2768% | 633 |
| Credit loss provision to net charge-offs | 129.5019% | 1,831 |
| Earnings coverage of net charge-offs (x) | 9.4943% | 2,570 |
| Efficiency ratio | 64.7410% | 2,903 |
| Assets per employee ($millions) | 4.0340% | 3,853 |
| Cash dividends to net income (ytd only)* | 133.4937% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,609 |
| Loan loss allowance to noncurrent loans | 70.5558% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.2849% | 950 |
| Noncurrent loans to loans | 1.6744% | 876 |
| Net loans and leases to total assets | 75.8312% | 1,514 |
| Net loans and leases to deposits | 86.8801% | 2,082 |
| Net loans and leases to core deposits | 98.2195% | 1,811 |
| Total domestic deposits to total assets | 87.2826% | 1,382 |
| Equity capital to assets | 11.6279% | 2,574 |
| Core capital (leverage) ratio | 11.7944% | 1,998 |
| Tier 1 risk-based capital ratio | 14.7151% | 2,986 |
| Total risk-based capital ratio | 15.8648% | 2,949 |
| Memoranda: | ||
| Average total assets | $163,348,500 | 3,208 |
| Average earning assets | $151,391,500 | 3,199 |
| Average equity | $19,081,750 | 3,241 |
| Average total loans | $125,727,250 | 2,901 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7234% | 381 |
| Cost of funding earning assets | 0.4712% | 4,241 |
| Net interest margin | 5.2523% | 180 |
| Noninterest income to average assets | 0.7959% | 1,362 |
| Noninterest expense to average assets | 3.7205% | 731 |
| Loan and lease loss provision to assets | 0.2789% | 525 |
| Net operating income to assets | 1.2794% | 1,856 |
| Return on assets (ROA) | 1.2794% | 1,912 |
| Pretax return on assets | 1.6613% | 1,363 |
| Return on Equity (ROE) | 10.9349% | 2,003 |
| Retained earnings to average equity (ytd only) | -12.5455% | 5,200 |
| Net charge-offs to loans | 0.3862% | 431 |
| Credit loss provision to net charge-offs | 93.7500% | 2,090 |
| Earnings coverage of net charge-offs (x) | 6.5208% | 2,562 |
| Efficiency ratio | 65.7249% | 2,850 |
| Assets per employee ($millions) | 3.9794% | 3,892 |
| Cash dividends to net income (ytd only)* | 214.7287% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 2,907 |
| Loan loss allowance to noncurrent loans | 87.3563% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 1,380 |
| Noncurrent loans to loans | 1.2924% | 1,220 |
| Net loans and leases to total assets | 77.5057% | 1,310 |
| Net loans and leases to deposits | 92.1798% | 1,474 |
| Net loans and leases to core deposits | 102.1033% | 1,544 |
| Total domestic deposits to total assets | 84.0810% | 2,825 |
| Equity capital to assets | 11.6465% | 2,490 |
| Core capital (leverage) ratio | 11.8543% | 1,912 |
| Tier 1 risk-based capital ratio | 14.6749% | 2,979 |
| Total risk-based capital ratio | 15.7883% | 2,973 |
| Memoranda: | ||
| Average total assets | $161,321,670 | 3,247 |
| Average earning assets | $149,420,670 | 3,228 |
| Average equity | $18,875,330 | 3,259 |
| Average total loans | $124,297,670 | 2,934 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8119% | 306 |
| Cost of funding earning assets | 0.4180% | 4,408 |
| Net interest margin | 5.3939% | 152 |
| Noninterest income to average assets | 0.7207% | 1,542 |
| Noninterest expense to average assets | 3.6558% | 795 |
| Loan and lease loss provision to assets | 0.2793% | 483 |
| Net operating income to assets | 1.3641% | 1,475 |
| Return on assets (ROA) | 1.3641% | 1,518 |
| Pretax return on assets | 1.7730% | 1,041 |
| Return on Equity (ROE) | 11.6309% | 1,680 |
| Retained earnings to average equity (ytd only) | -35.4880% | 5,321 |
| Net charge-offs to loans | 0.7053% | 212 |
| Credit loss provision to net charge-offs | 51.8519% | 1,962 |
| Earnings coverage of net charge-offs (x) | 3.8102% | 2,376 |
| Efficiency ratio | 64.0454% | 3,234 |
| Assets per employee ($millions) | 3.8347% | 4,141 |
| Cash dividends to net income (ytd only)* | 405.1188% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 3,221 |
| Loan loss allowance to noncurrent loans | 122.7355% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 2,045 |
| Noncurrent loans to loans | 0.8820% | 1,887 |
| Net loans and leases to total assets | 76.8779% | 1,333 |
| Net loans and leases to deposits | 87.6346% | 1,916 |
| Net loans and leases to core deposits | 95.8336% | 1,943 |
| Total domestic deposits to total assets | 87.7255% | 1,464 |
| Equity capital to assets | 11.3065% | 2,554 |
| Core capital (leverage) ratio | 11.7466% | 1,943 |
| Tier 1 risk-based capital ratio | 13.7217% | 3,485 |
| Total risk-based capital ratio | 14.7242% | 3,527 |
| Memoranda: | ||
| Average total assets | $160,404,000 | 3,297 |
| Average earning assets | $148,316,000 | 3,286 |
| Average equity | $18,812,000 | 3,276 |
| Average total loans | $122,496,500 | 2,989 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3924% | 488 |
| Cost of funding earning assets | 0.3356% | 4,375 |
| Net interest margin | 5.0568% | 236 |
| Noninterest income to average assets | 0.7463% | 1,663 |
| Noninterest expense to average assets | 3.6919% | 783 |
| Loan and lease loss provision to assets | 0.2510% | 682 |
| Net operating income to assets | 1.1585% | 2,348 |
| Return on assets (ROA) | 1.1664% | 2,320 |
| Pretax return on assets | 1.4906% | 1,808 |
| Return on Equity (ROE) | 9.4079% | 2,786 |
| Retained earnings to average equity (ytd only) | 6.7443% | 1,787 |
| Net charge-offs to loans | 0.0188% | 3,072 |
| Credit loss provision to net charge-offs | 1,809.5238% | 240 |
| Earnings coverage of net charge-offs (x) | 124.8571% | 635 |
| Efficiency ratio | 68.0711% | 2,531 |
| Assets per employee ($millions) | 3.7151% | 4,297 |
| Cash dividends to net income (ytd only)* | 28.3126% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,482 |
| Loan loss allowance to noncurrent loans | 105.5716% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 1,613 |
| Noncurrent loans to loans | 1.1534% | 1,393 |
| Net loans and leases to total assets | 74.0914% | 1,923 |
| Net loans and leases to deposits | 85.3323% | 2,368 |
| Net loans and leases to core deposits | 95.4801% | 2,100 |
| Total domestic deposits to total assets | 86.8269% | 1,859 |
| Equity capital to assets | 12.1527% | 1,787 |
| Core capital (leverage) ratio | 12.7458% | 1,346 |
| Tier 1 risk-based capital ratio | 16.1597% | 2,355 |
| Total risk-based capital ratio | 17.3260% | 2,320 |
| Memoranda: | ||
| Average total assets | $151,411,200 | 3,369 |
| Average earning assets | $140,050,000 | 3,359 |
| Average equity | $18,771,400 | 3,203 |
| Average total loans | $111,759,800 | 3,108 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 469 |
| Cost of funding earning assets | 0.3154% | 4,409 |
| Net interest margin | 5.0392% | 249 |
| Noninterest income to average assets | 0.7598% | 1,632 |
| Noninterest expense to average assets | 3.7510% | 707 |
| Loan and lease loss provision to assets | 0.2589% | 599 |
| Net operating income to assets | 1.1143% | 2,606 |
| Return on assets (ROA) | 1.1241% | 2,569 |
| Pretax return on assets | 1.4277% | 2,125 |
| Return on Equity (ROE) | 9.0196% | 3,072 |
| Retained earnings to average equity (ytd only) | 5.4376% | 2,990 |
| Net charge-offs to loans | 0.0134% | 2,948 |
| Credit loss provision to net charge-offs | 2,636.3636% | 159 |
| Earnings coverage of net charge-offs (x) | 170.4117% | 488 |
| Efficiency ratio | 69.1409% | 2,336 |
| Assets per employee ($millions) | 3.6627% | 4,359 |
| Cash dividends to net income (ytd only)* | 39.7142% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,799 |
| Loan loss allowance to noncurrent loans | 101.5464% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 1,668 |
| Noncurrent loans to loans | 1.1513% | 1,471 |
| Net loans and leases to total assets | 75.7828% | 1,687 |
| Net loans and leases to deposits | 88.1858% | 2,132 |
| Net loans and leases to core deposits | 95.8520% | 2,128 |
| Total domestic deposits to total assets | 85.9354% | 2,231 |
| Equity capital to assets | 12.3010% | 1,696 |
| Core capital (leverage) ratio | 12.7522% | 1,393 |
| Tier 1 risk-based capital ratio | 15.2326% | 2,769 |
| Total risk-based capital ratio | 16.2984% | 2,785 |
| Memoranda: | ||
| Average total assets | $149,326,500 | 3,433 |
| Average earning assets | $138,246,750 | 3,417 |
| Average equity | $18,610,750 | 3,246 |
| Average total loans | $109,744,750 | 3,162 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2544% | 506 |
| Cost of funding earning assets | 0.2752% | 4,600 |
| Net interest margin | 4.9793% | 254 |
| Noninterest income to average assets | 0.7698% | 1,572 |
| Noninterest expense to average assets | 3.7545% | 709 |
| Loan and lease loss provision to assets | 0.2571% | 600 |
| Net operating income to assets | 1.0793% | 2,665 |
| Return on assets (ROA) | 1.0932% | 2,617 |
| Pretax return on assets | 1.3787% | 2,223 |
| Return on Equity (ROE) | 8.7320% | 3,154 |
| Retained earnings to average equity (ytd only) | 3.3285% | 3,915 |
| Net charge-offs to loans | 0.0206% | 2,469 |
| Credit loss provision to net charge-offs | 1,727.2727% | 247 |
| Earnings coverage of net charge-offs (x) | 108.7273% | 660 |
| Efficiency ratio | 69.8816% | 2,332 |
| Assets per employee ($millions) | 3.7085% | 4,339 |
| Cash dividends to net income (ytd only)* | 61.8812% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 3,112 |
| Loan loss allowance to noncurrent loans | 216.0473% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 3,187 |
| Noncurrent loans to loans | 0.5216% | 2,856 |
| Net loans and leases to total assets | 73.8001% | 1,975 |
| Net loans and leases to deposits | 88.8478% | 2,003 |
| Net loans and leases to core deposits | 96.7362% | 1,994 |
| Total domestic deposits to total assets | 83.0635% | 3,398 |
| Equity capital to assets | 12.2499% | 1,695 |
| Core capital (leverage) ratio | 12.9270% | 1,254 |
| Tier 1 risk-based capital ratio | 15.5689% | 2,607 |
| Total risk-based capital ratio | 16.6029% | 2,641 |
| Memoranda: | ||
| Average total assets | $147,824,330 | 3,466 |
| Average earning assets | $136,646,330 | 3,464 |
| Average equity | $18,506,670 | 3,274 |
| Average total loans | $107,007,000 | 3,221 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 501 |
| Cost of funding earning assets | 0.2078% | 4,971 |
| Net interest margin | 4.9776% | 237 |
| Noninterest income to average assets | 0.7988% | 1,455 |
| Noninterest expense to average assets | 3.8377% | 638 |
| Loan and lease loss provision to assets | 0.2745% | 498 |
| Net operating income to assets | 1.0366% | 2,706 |
| Return on assets (ROA) | 1.0651% | 2,597 |
| Pretax return on assets | 1.3259% | 2,267 |
| Return on Equity (ROE) | 8.4133% | 3,184 |
| Retained earnings to average equity (ytd only) | -2.4286% | 5,045 |
| Net charge-offs to loans | -0.0039% | 3,928 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0366% | 2,330 |
| Assets per employee ($millions) | 3.5997% | 4,535 |
| Cash dividends to net income (ytd only)* | 128.8660% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,126 |
| Loan loss allowance to noncurrent loans | 15,012.5000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,108 |
| Noncurrent loans to loans | 0.0076% | 4,979 |
| Net loans and leases to total assets | 72.1368% | 2,148 |
| Net loans and leases to deposits | 84.6238% | 2,328 |
| Net loans and leases to core deposits | 92.7427% | 2,240 |
| Total domestic deposits to total assets | 85.2440% | 2,839 |
| Equity capital to assets | 12.6593% | 1,400 |
| Core capital (leverage) ratio | 12.8733% | 1,222 |
| Tier 1 risk-based capital ratio | 16.2165% | 2,383 |
| Total risk-based capital ratio | 17.2503% | 2,409 |
| Memoranda: | ||
| Average total assets | $145,711,500 | 3,522 |
| Average earning assets | $134,763,000 | 3,526 |
| Average equity | $18,447,000 | 3,311 |
| Average total loans | $103,764,500 | 3,291 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 585 |
| Cost of funding earning assets | 0.1539% | 5,238 |
| Net interest margin | 4.8976% | 284 |
| Noninterest income to average assets | 0.8562% | 1,391 |
| Noninterest expense to average assets | 3.7213% | 770 |
| Loan and lease loss provision to assets | 0.4108% | 353 |
| Net operating income to assets | 0.9720% | 2,357 |
| Return on assets (ROA) | 1.0077% | 2,245 |
| Pretax return on assets | 1.2735% | 2,454 |
| Return on Equity (ROE) | 7.7707% | 2,904 |
| Retained earnings to average equity (ytd only) | 6.4913% | 1,281 |
| Net charge-offs to loans | 0.3903% | 644 |
| Credit loss provision to net charge-offs | 159.3315% | 1,677 |
| Earnings coverage of net charge-offs (x) | 6.3565% | 3,195 |
| Efficiency ratio | 69.4225% | 2,632 |
| Assets per employee ($millions) | 3.4287% | 4,796 |
| Cash dividends to net income (ytd only)* | 16.4647% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,488 |
| Loan loss allowance to noncurrent loans | 36,666.6667% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,190 |
| Noncurrent loans to loans | 0.0029% | 5,051 |
| Net loans and leases to total assets | 68.7487% | 2,713 |
| Net loans and leases to deposits | 82.8164% | 2,629 |
| Net loans and leases to core deposits | 90.3765% | 2,527 |
| Total domestic deposits to total assets | 83.0134% | 3,557 |
| Equity capital to assets | 12.6606% | 1,424 |
| Core capital (leverage) ratio | 12.8751% | 1,189 |
| Tier 1 risk-based capital ratio | 16.6235% | 2,223 |
| Total risk-based capital ratio | 17.5885% | 2,259 |
| Memoranda: | ||
| Average total assets | $139,226,800 | 3,621 |
| Average earning assets | $128,042,800 | 3,611 |
| Average equity | $18,055,000 | 3,357 |
| Average total loans | $91,972,400 | 3,492 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 560 |
| Cost of funding earning assets | 0.2008% | 4,969 |
| Net interest margin | 4.8424% | 309 |
| Noninterest income to average assets | 0.9486% | 1,145 |
| Noninterest expense to average assets | 3.7304% | 740 |
| Loan and lease loss provision to assets | 0.4734% | 255 |
| Net operating income to assets | 0.8738% | 3,154 |
| Return on assets (ROA) | 0.9185% | 2,995 |
| Pretax return on assets | 1.2597% | 2,668 |
| Return on Equity (ROE) | 7.0381% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.3177% | 2,666 |
| Net charge-offs to loans | 0.5521% | 362 |
| Credit loss provision to net charge-offs | 131.6216% | 1,875 |
| Earnings coverage of net charge-offs (x) | 4.6487% | 3,196 |
| Efficiency ratio | 69.0536% | 2,702 |
| Assets per employee ($millions) | 3.2962% | 4,976 |
| Cash dividends to net income (ytd only)* | 24.4442% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,883 |
| Loan loss allowance to noncurrent loans | 1,154.0230% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 4,929 |
| Noncurrent loans to loans | 0.0896% | 4,707 |
| Net loans and leases to total assets | 67.8000% | 2,869 |
| Net loans and leases to deposits | 80.3641% | 2,938 |
| Net loans and leases to core deposits | 86.7936% | 2,893 |
| Total domestic deposits to total assets | 84.3660% | 2,972 |
| Equity capital to assets | 12.9925% | 1,394 |
| Core capital (leverage) ratio | 12.8579% | 1,266 |
| Tier 1 risk-based capital ratio | 16.7779% | 2,224 |
| Total risk-based capital ratio | 17.6912% | 2,291 |
| Memoranda: | ||
| Average total assets | $137,175,000 | 3,688 |
| Average earning assets | $126,159,750 | 3,676 |
| Average equity | $17,902,250 | 3,412 |
| Average total loans | $89,350,750 | 3,569 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8097% | 845 |
| Cost of funding earning assets | 0.1861% | 5,098 |
| Net interest margin | 4.6236% | 461 |
| Noninterest income to average assets | 1.0586% | 900 |
| Noninterest expense to average assets | 3.6401% | 829 |
| Loan and lease loss provision to assets | 0.5971% | 187 |
| Net operating income to assets | 0.7913% | 3,436 |
| Return on assets (ROA) | 0.8153% | 3,381 |
| Pretax return on assets | 1.1028% | 3,163 |
| Return on Equity (ROE) | 6.2375% | 3,941 |
| Retained earnings to average equity (ytd only) | 3.6320% | 3,548 |
| Net charge-offs to loans | 0.8459% | 232 |
| Credit loss provision to net charge-offs | 110.3542% | 1,887 |
| Earnings coverage of net charge-offs (x) | 3.0817% | 3,086 |
| Efficiency ratio | 68.5833% | 2,906 |
| Assets per employee ($millions) | 3.1733% | 5,127 |
| Cash dividends to net income (ytd only)* | 41.7722% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,121 |
| Loan loss allowance to noncurrent loans | 30,833.3333% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,314 |
| Noncurrent loans to loans | 0.0033% | 5,190 |
| Net loans and leases to total assets | 65.2939% | 3,213 |
| Net loans and leases to deposits | 79.4662% | 2,971 |
| Net loans and leases to core deposits | 84.2476% | 3,038 |
| Total domestic deposits to total assets | 82.1657% | 3,842 |
| Equity capital to assets | 12.9526% | 1,393 |
| Core capital (leverage) ratio | 13.3194% | 1,049 |
| Tier 1 risk-based capital ratio | 17.2108% | 2,097 |
| Total risk-based capital ratio | 18.0926% | 2,158 |
| Memoranda: | ||
| Average total assets | $135,654,670 | 3,730 |
| Average earning assets | $124,666,000 | 3,728 |
| Average equity | $17,731,330 | 3,441 |
| Average total loans | $86,767,330 | 3,638 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,232 |
| Cost of funding earning assets | 0.1629% | 5,286 |
| Net interest margin | 4.3972% | 646 |
| Noninterest income to average assets | 0.9486% | 1,109 |
| Noninterest expense to average assets | 3.5460% | 981 |
| Loan and lease loss provision to assets | 0.6434% | 157 |
| Net operating income to assets | 0.6333% | 4,007 |
| Return on assets (ROA) | 0.6404% | 4,019 |
| Pretax return on assets | 0.8080% | 4,083 |
| Return on Equity (ROE) | 4.8762% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.8762% | 2,964 |
| Net charge-offs to loans | 1.1176% | 156 |
| Credit loss provision to net charge-offs | 91.4894% | 1,683 |
| Earnings coverage of net charge-offs (x) | 2.0511% | 2,647 |
| Efficiency ratio | 71.0858% | 2,719 |
| Assets per employee ($millions) | 3.2957% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 4,247 |
| Loan loss allowance to noncurrent loans | 148.4589% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 3,419 |
| Noncurrent loans to loans | 0.6768% | 2,821 |
| Net loans and leases to total assets | 64.8028% | 3,144 |
| Net loans and leases to deposits | 79.1540% | 2,847 |
| Net loans and leases to core deposits | 84.2309% | 2,876 |
| Total domestic deposits to total assets | 81.8693% | 4,202 |
| Equity capital to assets | 13.4708% | 1,076 |
| Core capital (leverage) ratio | 13.6267% | 934 |
| Tier 1 risk-based capital ratio | 18.3140% | 1,778 |
| Total risk-based capital ratio | 19.1989% | 1,854 |
| Memoranda: | ||
| Average total assets | $133,670,000 | 3,785 |
| Average earning assets | $122,804,500 | 3,796 |
| Average equity | $17,554,500 | 3,478 |
| Average total loans | $84,105,500 | 3,717 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 886 |
| Cost of funding earning assets | 0.1636% | 5,331 |
| Net interest margin | 4.6367% | 475 |
| Noninterest income to average assets | 0.9655% | 1,230 |
| Noninterest expense to average assets | 3.6994% | 886 |
| Loan and lease loss provision to assets | 0.2145% | 1,042 |
| Net operating income to assets | 0.9134% | 2,757 |
| Return on assets (ROA) | 0.9244% | 2,822 |
| Pretax return on assets | 1.3157% | 2,227 |
| Return on Equity (ROE) | 6.7443% | 3,624 |
| Retained earnings to average equity (ytd only) | 3.8670% | 3,171 |
| Net charge-offs to loans | 0.2454% | 1,128 |
| Credit loss provision to net charge-offs | 137.3737% | 1,978 |
| Earnings coverage of net charge-offs (x) | 9.6970% | 2,727 |
| Efficiency ratio | 70.9531% | 2,758 |
| Assets per employee ($millions) | 3.3879% | 4,921 |
| Cash dividends to net income (ytd only)* | 42.6621% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,810 |
| Loan loss allowance to noncurrent loans | 119.5418% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 3,095 |
| Noncurrent loans to loans | 0.9058% | 2,284 |
| Net loans and leases to total assets | 59.7946% | 3,879 |
| Net loans and leases to deposits | 70.6427% | 3,842 |
| Net loans and leases to core deposits | 74.1015% | 3,914 |
| Total domestic deposits to total assets | 84.6437% | 3,191 |
| Equity capital to assets | 12.8038% | 1,348 |
| Core capital (leverage) ratio | 13.1803% | 1,067 |
| Tier 1 risk-based capital ratio | 18.5680% | 1,710 |
| Total risk-based capital ratio | 19.4969% | 1,750 |
| Memoranda: | ||
| Average total assets | $126,778,600 | 3,884 |
| Average earning assets | $116,160,600 | 3,895 |
| Average equity | $17,377,600 | 3,502 |
| Average total loans | $80,691,400 | 3,789 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 794 |
| Cost of funding earning assets | 0.1682% | 5,359 |
| Net interest margin | 4.6909% | 438 |
| Noninterest income to average assets | 0.9396% | 1,275 |
| Noninterest expense to average assets | 3.7390% | 804 |
| Loan and lease loss provision to assets | 0.0567% | 3,108 |
| Net operating income to assets | 0.9997% | 2,430 |
| Return on assets (ROA) | 1.0145% | 2,504 |
| Pretax return on assets | 1.4618% | 1,845 |
| Return on Equity (ROE) | 7.2708% | 3,417 |
| Retained earnings to average equity (ytd only) | 3.4360% | 3,840 |
| Net charge-offs to loans | 0.0232% | 3,219 |
| Credit loss provision to net charge-offs | 378.5714% | 880 |
| Earnings coverage of net charge-offs (x) | 99.9084% | 657 |
| Efficiency ratio | 71.4081% | 2,667 |
| Assets per employee ($millions) | 3.2899% | 5,059 |
| Cash dividends to net income (ytd only)* | 52.7425% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 4,410 |
| Loan loss allowance to noncurrent loans | 83.6935% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 2,615 |
| Noncurrent loans to loans | 1.1946% | 1,881 |
| Net loans and leases to total assets | 64.1103% | 3,386 |
| Net loans and leases to deposits | 76.9517% | 3,293 |
| Net loans and leases to core deposits | 80.9421% | 3,357 |
| Total domestic deposits to total assets | 83.3124% | 3,474 |
| Equity capital to assets | 13.6099% | 1,195 |
| Core capital (leverage) ratio | 13.5080% | 995 |
| Tier 1 risk-based capital ratio | 17.5220% | 2,068 |
| Total risk-based capital ratio | 18.3747% | 2,145 |
| Memoranda: | ||
| Average total assets | $124,594,750 | 3,939 |
| Average earning assets | $114,118,000 | 3,949 |
| Average equity | $17,384,250 | 3,526 |
| Average total loans | $80,385,000 | 3,811 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 789 |
| Cost of funding earning assets | 0.1697% | 5,415 |
| Net interest margin | 4.6862% | 429 |
| Noninterest income to average assets | 0.9013% | 1,371 |
| Noninterest expense to average assets | 3.7951% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9761% | 2,491 |
| Return on assets (ROA) | 0.9864% | 2,591 |
| Pretax return on assets | 1.4134% | 1,974 |
| Return on Equity (ROE) | 7.0080% | 3,533 |
| Retained earnings to average equity (ytd only) | 1.1970% | 4,902 |
| Net charge-offs to loans | -0.0127% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0709% | 2,504 |
| Assets per employee ($millions) | 3.1478% | 5,270 |
| Cash dividends to net income (ytd only)* | 82.9187% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,520 |
| Loan loss allowance to noncurrent loans | 384.0376% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 4,806 |
| Noncurrent loans to loans | 0.2605% | 4,425 |
| Net loans and leases to total assets | 65.9441% | 3,094 |
| Net loans and leases to deposits | 80.0512% | 2,925 |
| Net loans and leases to core deposits | 84.4407% | 3,041 |
| Total domestic deposits to total assets | 82.3774% | 3,882 |
| Equity capital to assets | 14.4205% | 894 |
| Core capital (leverage) ratio | 13.9334% | 840 |
| Tier 1 risk-based capital ratio | 17.9415% | 1,944 |
| Total risk-based capital ratio | 18.7966% | 2,020 |
| Memoranda: | ||
| Average total assets | $122,261,330 | 4,005 |
| Average earning assets | $111,988,000 | 4,022 |
| Average equity | $17,209,000 | 3,559 |
| Average total loans | $78,774,000 | 3,875 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 1,022 |
| Cost of funding earning assets | 0.1644% | 5,513 |
| Net interest margin | 4.5473% | 557 |
| Noninterest income to average assets | 0.8360% | 1,490 |
| Noninterest expense to average assets | 3.7243% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9048% | 2,732 |
| Return on assets (ROA) | 0.9048% | 2,855 |
| Pretax return on assets | 1.2819% | 2,376 |
| Return on Equity (ROE) | 6.5087% | 3,718 |
| Retained earnings to average equity (ytd only) | -5.2824% | 5,622 |
| Net charge-offs to loans | -0.0104% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3942% | 2,412 |
| Assets per employee ($millions) | 3.1560% | 5,335 |
| Cash dividends to net income (ytd only)* | 181.1594% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,376 |
| Loan loss allowance to noncurrent loans | 68.0301% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 2,277 |
| Noncurrent loans to loans | 1.5321% | 1,523 |
| Net loans and leases to total assets | 62.8671% | 3,403 |
| Net loans and leases to deposits | 75.4809% | 3,281 |
| Net loans and leases to core deposits | 79.5771% | 3,360 |
| Total domestic deposits to total assets | 83.2888% | 3,798 |
| Equity capital to assets | 13.9733% | 992 |
| Core capital (leverage) ratio | 13.7967% | 866 |
| Tier 1 risk-based capital ratio | 18.8326% | 1,767 |
| Total risk-based capital ratio | 19.7443% | 1,812 |
| Memoranda: | ||
| Average total assets | $122,010,500 | 4,040 |
| Average earning assets | $111,891,000 | 4,051 |
| Average equity | $16,962,000 | 3,595 |
| Average total loans | $77,274,500 | 3,936 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 762 |
| Cost of funding earning assets | 0.2056% | 5,234 |
| Net interest margin | 4.6967% | 449 |
| Noninterest income to average assets | 1.1627% | 876 |
| Noninterest expense to average assets | 3.7699% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1180% | 1,842 |
| Return on assets (ROA) | 1.1197% | 1,904 |
| Pretax return on assets | 1.6856% | 1,037 |
| Return on Equity (ROE) | 7.9934% | 2,963 |
| Retained earnings to average equity (ytd only) | 4.3041% | 2,915 |
| Net charge-offs to loans | 0.0792% | 2,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 32.0328% | 1,391 |
| Efficiency ratio | 69.1360% | 3,376 |
| Assets per employee ($millions) | 3.1825% | 5,308 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 4,238 |
| Loan loss allowance to noncurrent loans | 67.5249% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 2,206 |
| Noncurrent loans to loans | 1.5769% | 1,458 |
| Net loans and leases to total assets | 62.4636% | 3,493 |
| Net loans and leases to deposits | 74.4664% | 3,440 |
| Net loans and leases to core deposits | 79.3490% | 3,409 |
| Total domestic deposits to total assets | 83.8816% | 3,533 |
| Equity capital to assets | 13.8296% | 993 |
| Core capital (leverage) ratio | 13.5259% | 958 |
| Tier 1 risk-based capital ratio | 19.2350% | 1,648 |
| Total risk-based capital ratio | 20.1845% | 1,684 |
| Memoranda: | ||
| Average total assets | $116,104,400 | 4,134 |
| Average earning assets | $106,053,600 | 4,141 |
| Average equity | $16,263,400 | 3,635 |
| Average total loans | $77,026,000 | 3,910 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 665 |
| Cost of funding earning assets | 0.2138% | 5,248 |
| Net interest margin | 4.7529% | 416 |
| Noninterest income to average assets | 1.2649% | 756 |
| Noninterest expense to average assets | 3.7459% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2196% | 1,588 |
| Return on assets (ROA) | 1.2219% | 1,643 |
| Pretax return on assets | 1.8567% | 789 |
| Return on Equity (ROE) | 8.6943% | 2,735 |
| Retained earnings to average equity (ytd only) | 3.7403% | 3,813 |
| Net charge-offs to loans | -0.0035% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9016% | 3,733 |
| Assets per employee ($millions) | 3.3053% | 5,116 |
| Cash dividends to net income (ytd only)* | 56.9803% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,999 |
| Loan loss allowance to noncurrent loans | 269.5385% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 4,674 |
| Noncurrent loans to loans | 0.4227% | 4,086 |
| Net loans and leases to total assets | 63.8782% | 3,327 |
| Net loans and leases to deposits | 76.5245% | 3,240 |
| Net loans and leases to core deposits | 82.5375% | 3,193 |
| Total domestic deposits to total assets | 83.4741% | 3,618 |
| Equity capital to assets | 13.8954% | 1,067 |
| Core capital (leverage) ratio | 13.7538% | 925 |
| Tier 1 risk-based capital ratio | 19.2814% | 1,714 |
| Total risk-based capital ratio | 20.3226% | 1,725 |
| Memoranda: | ||
| Average total assets | $114,896,500 | 4,199 |
| Average earning assets | $104,776,500 | 4,219 |
| Average equity | $16,148,000 | 3,685 |
| Average total loans | $77,194,000 | 3,944 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 632 |
| Cost of funding earning assets | 0.2033% | 5,407 |
| Net interest margin | 4.7608% | 386 |
| Noninterest income to average assets | 1.4727% | 586 |
| Noninterest expense to average assets | 3.7928% | 875 |
| Loan and lease loss provision to assets | 0.0528% | 3,064 |
| Net operating income to assets | 1.2848% | 1,361 |
| Return on assets (ROA) | 1.2895% | 1,419 |
| Pretax return on assets | 1.9660% | 641 |
| Return on Equity (ROE) | 9.1390% | 2,465 |
| Retained earnings to average equity (ytd only) | 1.6480% | 4,877 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3414% | 4,122 |
| Assets per employee ($millions) | 3.1011% | 5,466 |
| Cash dividends to net income (ytd only)* | 81.9672% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 4,042 |
| Loan loss allowance to noncurrent loans | 274.7720% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 4,695 |
| Noncurrent loans to loans | 0.4211% | 4,214 |
| Net loans and leases to total assets | 69.1691% | 2,459 |
| Net loans and leases to deposits | 82.4928% | 2,496 |
| Net loans and leases to core deposits | 89.0071% | 2,450 |
| Total domestic deposits to total assets | 83.8487% | 3,635 |
| Equity capital to assets | 14.4342% | 836 |
| Core capital (leverage) ratio | 14.0788% | 818 |
| Tier 1 risk-based capital ratio | 18.5046% | 1,919 |
| Total risk-based capital ratio | 19.5566% | 1,945 |
| Memoranda: | ||
| Average total assets | $113,532,330 | 4,266 |
| Average earning assets | $103,301,330 | 4,292 |
| Average equity | $16,019,330 | 3,722 |
| Average total loans | $77,297,330 | 3,969 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 719 |
| Cost of funding earning assets | 0.2075% | 5,439 |
| Net interest margin | 4.6803% | 425 |
| Noninterest income to average assets | 0.9154% | 1,339 |
| Noninterest expense to average assets | 3.6828% | 1,030 |
| Loan and lease loss provision to assets | 0.0524% | 2,894 |
| Net operating income to assets | 0.9679% | 2,407 |
| Return on assets (ROA) | 0.9679% | 2,541 |
| Pretax return on assets | 1.4361% | 1,754 |
| Return on Equity (ROE) | 6.9371% | 3,541 |
| Retained earnings to average equity (ytd only) | -8.0892% | 6,084 |
| Net charge-offs to loans | -0.0104% | 4,734 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2162% | 3,293 |
| Assets per employee ($millions) | 3.0791% | 5,570 |
| Cash dividends to net income (ytd only)* | 216.6065% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,089 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 3,503 |
| Noncurrent loans to loans | 0.3215% | 4,637 |
| Net loans and leases to total assets | 65.5531% | 2,844 |
| Net loans and leases to deposits | 78.6789% | 2,717 |
| Net loans and leases to core deposits | 84.5259% | 2,710 |
| Total domestic deposits to total assets | 83.3172% | 4,078 |
| Equity capital to assets | 13.9055% | 1,014 |
| Core capital (leverage) ratio | 13.6068% | 939 |
| Tier 1 risk-based capital ratio | 18.5562% | 1,988 |
| Total risk-based capital ratio | 19.6266% | 1,994 |
| Memoranda: | ||
| Average total assets | $114,479,500 | 4,279 |
| Average earning assets | $104,095,500 | 4,298 |
| Average equity | $15,972,000 | 3,750 |
| Average total loans | $76,884,500 | 3,992 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 848 |
| Cost of funding earning assets | 0.2426% | 5,398 |
| Net interest margin | 4.7109% | 512 |
| Noninterest income to average assets | 0.9192% | 1,446 |
| Noninterest expense to average assets | 3.6973% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0444% | 2,195 |
| Return on assets (ROA) | 1.1103% | 1,988 |
| Pretax return on assets | 1.6417% | 1,119 |
| Return on Equity (ROE) | 8.0161% | 3,128 |
| Retained earnings to average equity (ytd only) | 4.1279% | 3,264 |
| Net charge-offs to loans | 0.2179% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.2484% | 2,519 |
| Efficiency ratio | 70.5308% | 3,453 |
| Assets per employee ($millions) | 3.0272% | 5,665 |
| Cash dividends to net income (ytd only)* | 48.5044% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 4,459 |
| Loan loss allowance to noncurrent loans | 346.8254% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 3,579 |
| Noncurrent loans to loans | 0.3223% | 4,686 |
| Net loans and leases to total assets | 67.2172% | 2,692 |
| Net loans and leases to deposits | 81.2846% | 2,567 |
| Net loans and leases to core deposits | 87.3350% | 2,576 |
| Total domestic deposits to total assets | 82.6937% | 4,186 |
| Equity capital to assets | 13.9977% | 955 |
| Core capital (leverage) ratio | 13.5994% | 940 |
| Tier 1 risk-based capital ratio | 19.4951% | 1,728 |
| Total risk-based capital ratio | 20.5756% | 1,731 |
| Memoranda: | ||
| Average total assets | $111,406,800 | 4,357 |
| Average earning assets | $102,230,200 | 4,348 |
| Average equity | $15,431,400 | 3,758 |
| Average total loans | $70,206,400 | 4,179 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 937 |
| Cost of funding earning assets | 0.2453% | 5,452 |
| Net interest margin | 4.6506% | 562 |
| Noninterest income to average assets | 0.9218% | 1,446 |
| Noninterest expense to average assets | 3.7405% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9930% | 2,479 |
| Return on assets (ROA) | 1.0570% | 2,276 |
| Pretax return on assets | 1.5541% | 1,468 |
| Return on Equity (ROE) | 7.6519% | 3,382 |
| Retained earnings to average equity (ytd only) | 2.4109% | 4,851 |
| Net charge-offs to loans | 0.2834% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.3447% | 2,813 |
| Efficiency ratio | 71.9258% | 3,193 |
| Assets per employee ($millions) | 3.2247% | 5,381 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 4,277 |
| Loan loss allowance to noncurrent loans | 334.0909% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 3,722 |
| Noncurrent loans to loans | 0.3567% | 4,834 |
| Net loans and leases to total assets | 64.8016% | 3,058 |
| Net loans and leases to deposits | 77.3557% | 3,020 |
| Net loans and leases to core deposits | 83.3959% | 2,954 |
| Total domestic deposits to total assets | 83.7710% | 3,851 |
| Equity capital to assets | 13.8935% | 1,042 |
| Core capital (leverage) ratio | 13.7788% | 903 |
| Tier 1 risk-based capital ratio | 20.1233% | 1,645 |
| Total risk-based capital ratio | 21.2766% | 1,638 |
| Memoranda: | ||
| Average total assets | $110,500,250 | 4,412 |
| Average earning assets | $101,662,750 | 4,397 |
| Average equity | $15,263,750 | 3,810 |
| Average total loans | $68,209,000 | 4,267 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 1,024 |
| Cost of funding earning assets | 0.2571% | 5,410 |
| Net interest margin | 4.5701% | 615 |
| Noninterest income to average assets | 0.8386% | 1,709 |
| Noninterest expense to average assets | 3.8392% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8459% | 3,093 |
| Return on assets (ROA) | 0.8714% | 3,041 |
| Pretax return on assets | 1.2487% | 2,459 |
| Return on Equity (ROE) | 6.3208% | 3,982 |
| Retained earnings to average equity (ytd only) | -1.6133% | 5,936 |
| Net charge-offs to loans | 0.4406% | 924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.5548% | 3,085 |
| Efficiency ratio | 76.0014% | 2,632 |
| Assets per employee ($millions) | 3.3439% | 5,166 |
| Cash dividends to net income (ytd only)* | 125.5230% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 4,159 |
| Loan loss allowance to noncurrent loans | 328.7313% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 3,808 |
| Noncurrent loans to loans | 0.3803% | 4,854 |
| Net loans and leases to total assets | 63.0612% | 3,229 |
| Net loans and leases to deposits | 77.0333% | 2,928 |
| Net loans and leases to core deposits | 83.6233% | 2,780 |
| Total domestic deposits to total assets | 81.8623% | 4,697 |
| Equity capital to assets | 13.8976% | 1,015 |
| Core capital (leverage) ratio | 13.6665% | 929 |
| Tier 1 risk-based capital ratio | 19.8897% | 1,709 |
| Total risk-based capital ratio | 21.0572% | 1,700 |
| Memoranda: | ||
| Average total assets | $109,711,670 | 4,452 |
| Average earning assets | $101,136,670 | 4,437 |
| Average equity | $15,124,670 | 3,834 |
| Average total loans | $66,271,670 | 4,343 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 1,185 |
| Cost of funding earning assets | 0.2738% | 5,348 |
| Net interest margin | 4.4603% | 713 |
| Noninterest income to average assets | 0.8374% | 1,610 |
| Noninterest expense to average assets | 3.9308% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7216% | 3,579 |
| Return on assets (ROA) | 0.7606% | 3,439 |
| Pretax return on assets | 1.0714% | 3,027 |
| Return on Equity (ROE) | 5.5396% | 4,262 |
| Retained earnings to average equity (ytd only) | -10.4401% | 6,376 |
| Net charge-offs to loans | 0.6856% | 532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.5273% | 2,857 |
| Efficiency ratio | 79.4531% | 2,281 |
| Assets per employee ($millions) | 3.0193% | 5,833 |
| Cash dividends to net income (ytd only)* | 288.4615% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 3,442 |
| Loan loss allowance to noncurrent loans | 341.2639% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 3,476 |
| Noncurrent loans to loans | 0.4207% | 4,875 |
| Net loans and leases to total assets | 57.9885% | 3,842 |
| Net loans and leases to deposits | 68.5138% | 3,798 |
| Net loans and leases to core deposits | 75.1278% | 3,513 |
| Total domestic deposits to total assets | 84.6376% | 4,026 |
| Equity capital to assets | 13.6999% | 1,037 |
| Core capital (leverage) ratio | 13.5260% | 965 |
| Tier 1 risk-based capital ratio | 20.7244% | 1,533 |
| Total risk-based capital ratio | 21.9729% | 1,505 |
| Memoranda: | ||
| Average total assets | $109,392,500 | 4,497 |
| Average earning assets | $100,799,500 | 4,489 |
| Average equity | $15,019,000 | 3,857 |
| Average total loans | $64,173,000 | 4,454 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 1,462 |
| Cost of funding earning assets | 0.3741% | 4,901 |
| Net interest margin | 4.3704% | 958 |
| Noninterest income to average assets | 1.3168% | 797 |
| Noninterest expense to average assets | 3.6521% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1491% | 1,761 |
| Return on assets (ROA) | 1.1658% | 1,757 |
| Pretax return on assets | 1.7394% | 876 |
| Return on Equity (ROE) | 8.8116% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.8116% | 817 |
| Net charge-offs to loans | -0.1443% | 6,557 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0539% | 4,189 |
| Assets per employee ($millions) | 3.0581% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 2,779 |
| Loan loss allowance to noncurrent loans | 390.8745% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 4,052 |
| Noncurrent loans to loans | 0.4084% | 4,985 |
| Net loans and leases to total assets | 57.5615% | 4,106 |
| Net loans and leases to deposits | 68.8288% | 3,932 |
| Net loans and leases to core deposits | 75.7407% | 3,634 |
| Total domestic deposits to total assets | 83.6299% | 4,309 |
| Equity capital to assets | 13.7586% | 980 |
| Core capital (leverage) ratio | 13.5331% | 944 |
| Tier 1 risk-based capital ratio | 21.4328% | 1,350 |
| Total risk-based capital ratio | 22.6849% | 1,329 |
| Memoranda: | ||
| Average total assets | $111,936,600 | 4,458 |
| Average earning assets | $103,720,400 | 4,415 |
| Average equity | $14,810,000 | 3,902 |
| Average total loans | $65,145,200 | 4,437 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 1,936 |
| Cost of funding earning assets | 0.3956% | 4,853 |
| Net interest margin | 4.1950% | 1,352 |
| Noninterest income to average assets | 1.4235% | 730 |
| Noninterest expense to average assets | 3.5824% | 1,429 |
| Loan and lease loss provision to assets | 0.0071% | 4,836 |
| Net operating income to assets | 1.1553% | 1,787 |
| Return on assets (ROA) | 1.1767% | 1,782 |
| Pretax return on assets | 1.7651% | 970 |
| Return on Equity (ROE) | 8.9817% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.9817% | 1,063 |
| Net charge-offs to loans | -0.0714% | 6,412 |
| Credit loss provision to net charge-offs | -17.1429% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3055% | 4,231 |
| Assets per employee ($millions) | 3.0516% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 3,498 |
| Loan loss allowance to noncurrent loans | 330.1695% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9636% | 3,738 |
| Noncurrent loans to loans | 0.4514% | 5,067 |
| Net loans and leases to total assets | 57.0137% | 4,166 |
| Net loans and leases to deposits | 67.7896% | 4,089 |
| Net loans and leases to core deposits | 74.0192% | 3,847 |
| Total domestic deposits to total assets | 84.1039% | 4,147 |
| Equity capital to assets | 13.2418% | 1,224 |
| Core capital (leverage) ratio | 13.3278% | 1,088 |
| Tier 1 risk-based capital ratio | 20.5289% | 1,596 |
| Total risk-based capital ratio | 21.7798% | 1,567 |
| Memoranda: | ||
| Average total assets | $112,398,000 | 4,499 |
| Average earning assets | $104,471,750 | 4,443 |
| Average equity | $14,725,750 | 3,966 |
| Average total loans | $65,332,000 | 4,472 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 2,251 |
| Cost of funding earning assets | 0.4149% | 4,810 |
| Net interest margin | 4.0708% | 1,628 |
| Noninterest income to average assets | 1.6466% | 593 |
| Noninterest expense to average assets | 3.6372% | 1,356 |
| Loan and lease loss provision to assets | 0.0107% | 4,657 |
| Net operating income to assets | 1.1883% | 1,619 |
| Return on assets (ROA) | 1.2118% | 1,667 |
| Pretax return on assets | 1.8284% | 872 |
| Return on Equity (ROE) | 9.2829% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.2829% | 1,035 |
| Net charge-offs to loans | -0.0429% | 6,214 |
| Credit loss provision to net charge-offs | -42.8571% | 5,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8523% | 4,386 |
| Assets per employee ($millions) | 3.1894% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 3,790 |
| Loan loss allowance to noncurrent loans | 264.7222% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 3,486 |
| Noncurrent loans to loans | 0.5497% | 4,884 |
| Net loans and leases to total assets | 59.5133% | 3,746 |
| Net loans and leases to deposits | 70.5810% | 3,646 |
| Net loans and leases to core deposits | 76.8603% | 3,448 |
| Total domestic deposits to total assets | 84.3192% | 4,192 |
| Equity capital to assets | 13.5635% | 1,098 |
| Core capital (leverage) ratio | 13.0227% | 1,151 |
| Tier 1 risk-based capital ratio | 20.0442% | 1,709 |
| Total risk-based capital ratio | 21.2877% | 1,679 |
| Memoranda: | ||
| Average total assets | $112,228,000 | 4,534 |
| Average earning assets | $104,599,000 | 4,464 |
| Average equity | $14,650,670 | 4,015 |
| Average total loans | $65,327,000 | 4,486 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 2,818 |
| Cost of funding earning assets | 0.4392% | 4,710 |
| Net interest margin | 3.8778% | 2,188 |
| Noninterest income to average assets | 1.7630% | 518 |
| Noninterest expense to average assets | 3.4594% | 1,703 |
| Loan and lease loss provision to assets | 0.0210% | 4,204 |
| Net operating income to assets | 1.2548% | 1,391 |
| Return on assets (ROA) | 1.2548% | 1,490 |
| Pretax return on assets | 1.9032% | 731 |
| Return on Equity (ROE) | 9.7935% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.7935% | 1,157 |
| Net charge-offs to loans | -0.0736% | 6,301 |
| Credit loss provision to net charge-offs | -50.0000% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2578% | 4,967 |
| Assets per employee ($millions) | 3.1753% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 3,866 |
| Loan loss allowance to noncurrent loans | 99.4770% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 3,716 |
| Noncurrent loans to loans | 1.4990% | 3,307 |
| Net loans and leases to total assets | 54.9606% | 4,249 |
| Net loans and leases to deposits | 65.5168% | 4,120 |
| Net loans and leases to core deposits | 71.0975% | 3,943 |
| Total domestic deposits to total assets | 83.8878% | 4,525 |
| Equity capital to assets | 12.9384% | 1,459 |
| Core capital (leverage) ratio | 12.3968% | 1,385 |
| Tier 1 risk-based capital ratio | 20.0639% | 1,752 |
| Total risk-based capital ratio | 21.3157% | 1,724 |
| Memoranda: | ||
| Average total assets | $114,123,000 | 4,526 |
| Average earning assets | $106,555,000 | 4,459 |
| Average equity | $14,622,000 | 4,069 |
| Average total loans | $65,246,500 | 4,519 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 2,918 |
| Cost of funding earning assets | 0.6051% | 4,296 |
| Net interest margin | 4.0148% | 2,336 |
| Noninterest income to average assets | 1.7973% | 512 |
| Noninterest expense to average assets | 3.5534% | 1,711 |
| Loan and lease loss provision to assets | 0.2288% | 2,842 |
| Net operating income to assets | 1.2331% | 1,493 |
| Return on assets (ROA) | 1.3528% | 1,313 |
| Pretax return on assets | 1.9262% | 706 |
| Return on Equity (ROE) | 11.1110% | 1,770 |
| Retained earnings to average equity (ytd only) | 7.2945% | 1,430 |
| Net charge-offs to loans | 0.9271% | 1,213 |
| Credit loss provision to net charge-offs | 42.7869% | 4,875 |
| Earnings coverage of net charge-offs (x) | 3.7098% | 3,627 |
| Efficiency ratio | 64.1704% | 4,848 |
| Assets per employee ($millions) | 3.0793% | 5,882 |
| Cash dividends to net income (ytd only)* | 34.3487% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 4,180 |
| Loan loss allowance to noncurrent loans | 110.8076% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 4,013 |
| Noncurrent loans to loans | 1.2621% | 3,723 |
| Net loans and leases to total assets | 57.7373% | 4,025 |
| Net loans and leases to deposits | 68.8395% | 3,860 |
| Net loans and leases to core deposits | 76.6202% | 3,444 |
| Total domestic deposits to total assets | 83.8724% | 4,374 |
| Equity capital to assets | 12.6862% | 1,598 |
| Core capital (leverage) ratio | 11.9136% | 1,616 |
| Tier 1 risk-based capital ratio | 18.9553% | 1,970 |
| Total risk-based capital ratio | 20.1659% | 1,948 |
| Memoranda: | ||
| Average total assets | $114,058,600 | 4,492 |
| Average earning assets | $106,257,200 | 4,441 |
| Average equity | $13,887,200 | 4,182 |
| Average total loans | $65,797,000 | 4,514 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 3,109 |
| Cost of funding earning assets | 0.6326% | 4,340 |
| Net interest margin | 3.9935% | 2,528 |
| Noninterest income to average assets | 1.6221% | 568 |
| Noninterest expense to average assets | 3.5761% | 1,605 |
| Loan and lease loss provision to assets | 0.3050% | 2,168 |
| Net operating income to assets | 0.9662% | 2,675 |
| Return on assets (ROA) | 0.9793% | 2,840 |
| Pretax return on assets | 1.4865% | 1,932 |
| Return on Equity (ROE) | 8.1286% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.8375% | 1,686 |
| Net charge-offs to loans | 1.0330% | 1,020 |
| Credit loss provision to net charge-offs | 51.3780% | 4,372 |
| Earnings coverage of net charge-offs (x) | 2.9842% | 3,832 |
| Efficiency ratio | 66.8706% | 4,273 |
| Assets per employee ($millions) | 3.4024% | 5,202 |
| Cash dividends to net income (ytd only)* | 3.5800% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,541 |
| Loan loss allowance to noncurrent loans | 85.2554% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1126% | 4,072 |
| Noncurrent loans to loans | 1.8688% | 2,990 |
| Net loans and leases to total assets | 55.2619% | 4,560 |
| Net loans and leases to deposits | 66.9905% | 4,338 |
| Net loans and leases to core deposits | 73.9126% | 3,982 |
| Total domestic deposits to total assets | 82.4922% | 4,838 |
| Equity capital to assets | 12.4386% | 1,937 |
| Core capital (leverage) ratio | 12.0644% | 1,618 |
| Tier 1 risk-based capital ratio | 19.7166% | 1,823 |
| Total risk-based capital ratio | 20.9701% | 1,800 |
| Memoranda: | ||
| Average total assets | $114,089,500 | 4,536 |
| Average earning assets | $106,437,250 | 4,480 |
| Average equity | $13,745,500 | 4,253 |
| Average total loans | $65,567,250 | 4,570 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 3,559 |
| Cost of funding earning assets | 0.6642% | 4,332 |
| Net interest margin | 3.8869% | 2,964 |
| Noninterest income to average assets | 1.7031% | 523 |
| Noninterest expense to average assets | 3.6879% | 1,396 |
| Loan and lease loss provision to assets | 0.2924% | 2,242 |
| Net operating income to assets | 0.9069% | 2,879 |
| Return on assets (ROA) | 0.9211% | 3,072 |
| Pretax return on assets | 1.3720% | 2,319 |
| Return on Equity (ROE) | 7.7304% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.2870% | 1,962 |
| Net charge-offs to loans | 1.5752% | 604 |
| Credit loss provision to net charge-offs | 32.0463% | 4,407 |
| Earnings coverage of net charge-offs (x) | 1.8012% | 4,076 |
| Efficiency ratio | 69.1774% | 3,900 |
| Assets per employee ($millions) | 3.1832% | 5,684 |
| Cash dividends to net income (ytd only)* | 5.7361% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 4,395 |
| Loan loss allowance to noncurrent loans | 54.9321% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.5967% | 2,134 |
| Noncurrent loans to loans | 2.5792% | 2,330 |
| Net loans and leases to total assets | 58.0817% | 4,145 |
| Net loans and leases to deposits | 72.8331% | 3,480 |
| Net loans and leases to core deposits | 80.1392% | 3,194 |
| Total domestic deposits to total assets | 79.7463% | 5,807 |
| Equity capital to assets | 12.4942% | 1,822 |
| Core capital (leverage) ratio | 11.8868% | 1,660 |
| Tier 1 risk-based capital ratio | 19.0910% | 1,942 |
| Total risk-based capital ratio | 20.3420% | 1,924 |
| Memoranda: | ||
| Average total assets | $113,559,330 | 4,575 |
| Average earning assets | $105,996,330 | 4,510 |
| Average equity | $13,531,000 | 4,295 |
| Average total loans | $65,769,000 | 4,573 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 4,352 |
| Cost of funding earning assets | 0.7091% | 4,204 |
| Net interest margin | 3.6873% | 3,887 |
| Noninterest income to average assets | 1.7761% | 488 |
| Noninterest expense to average assets | 3.5871% | 1,583 |
| Loan and lease loss provision to assets | 0.2094% | 2,854 |
| Net operating income to assets | 0.9596% | 2,643 |
| Return on assets (ROA) | 0.9596% | 2,846 |
| Pretax return on assets | 1.4272% | 2,098 |
| Return on Equity (ROE) | 8.2480% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.3483% | 2,256 |
| Net charge-offs to loans | 1.7863% | 532 |
| Credit loss provision to net charge-offs | 20.4082% | 3,768 |
| Earnings coverage of net charge-offs (x) | 1.5952% | 3,530 |
| Efficiency ratio | 68.6707% | 4,040 |
| Assets per employee ($millions) | 3.2534% | 5,659 |
| Cash dividends to net income (ytd only)* | 10.9091% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 3,684 |
| Loan loss allowance to noncurrent loans | 63.8635% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.4915% | 2,370 |
| Noncurrent loans to loans | 2.5198% | 2,588 |
| Net loans and leases to total assets | 56.2731% | 4,335 |
| Net loans and leases to deposits | 66.3845% | 4,319 |
| Net loans and leases to core deposits | 73.9168% | 3,909 |
| Total domestic deposits to total assets | 84.7683% | 4,134 |
| Equity capital to assets | 11.8216% | 2,165 |
| Core capital (leverage) ratio | 11.4511% | 1,928 |
| Tier 1 risk-based capital ratio | 19.1928% | 1,937 |
| Total risk-based capital ratio | 20.3657% | 1,926 |
| Memoranda: | ||
| Average total assets | $114,633,000 | 4,576 |
| Average earning assets | $107,177,500 | 4,508 |
| Average equity | $13,336,500 | 4,342 |
| Average total loans | $65,833,500 | 4,595 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3098% | 1,670 |
| Cost of funding earning assets | 0.9314% | 3,861 |
| Net interest margin | 4.3784% | 1,451 |
| Noninterest income to average assets | 0.9703% | 1,449 |
| Noninterest expense to average assets | 3.7330% | 1,471 |
| Loan and lease loss provision to assets | 0.5728% | 1,814 |
| Net operating income to assets | 0.5981% | 4,005 |
| Return on assets (ROA) | 0.6595% | 3,880 |
| Pretax return on assets | 0.8321% | 3,860 |
| Return on Equity (ROE) | 5.7497% | 4,003 |
| Retained earnings to average equity (ytd only) | 4.9620% | 2,668 |
| Net charge-offs to loans | 0.8319% | 2,089 |
| Credit loss provision to net charge-offs | 114.6474% | 2,849 |
| Earnings coverage of net charge-offs (x) | 2.6564% | 3,884 |
| Efficiency ratio | 73.7725% | 3,272 |
| Assets per employee ($millions) | 3.2971% | 5,516 |
| Cash dividends to net income (ytd only)* | 13.6986% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9266% | 2,483 |
| Loan loss allowance to noncurrent loans | 116.9708% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2903% | 4,062 |
| Noncurrent loans to loans | 1.6471% | 3,691 |
| Net loans and leases to total assets | 56.5521% | 4,613 |
| Net loans and leases to deposits | 66.5131% | 4,665 |
| Net loans and leases to core deposits | 74.7203% | 4,146 |
| Total domestic deposits to total assets | 85.0240% | 3,831 |
| Equity capital to assets | 11.4491% | 2,548 |
| Core capital (leverage) ratio | 11.1458% | 2,158 |
| Tier 1 risk-based capital ratio | 18.9162% | 1,927 |
| Total risk-based capital ratio | 20.1739% | 1,882 |
| Memoranda: | ||
| Average total assets | $110,689,600 | 4,625 |
| Average earning assets | $103,394,600 | 4,555 |
| Average equity | $12,696,400 | 4,396 |
| Average total loans | $66,470,800 | 4,613 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 1,700 |
| Cost of funding earning assets | 0.9733% | 3,862 |
| Net interest margin | 4.3720% | 1,485 |
| Noninterest income to average assets | 0.9119% | 1,606 |
| Noninterest expense to average assets | 3.7949% | 1,312 |
| Loan and lease loss provision to assets | 0.2070% | 3,948 |
| Net operating income to assets | 0.7581% | 3,350 |
| Return on assets (ROA) | 0.8376% | 3,150 |
| Pretax return on assets | 1.1055% | 2,987 |
| Return on Equity (ROE) | 7.2991% | 3,380 |
| Retained earnings to average equity (ytd only) | 6.2382% | 2,409 |
| Net charge-offs to loans | 0.4695% | 2,856 |
| Credit loss provision to net charge-offs | 72.6496% | 4,393 |
| Earnings coverage of net charge-offs (x) | 4.2393% | 3,130 |
| Efficiency ratio | 75.8579% | 2,863 |
| Assets per employee ($millions) | 3.2019% | 5,677 |
| Cash dividends to net income (ytd only)* | 14.5349% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 3,351 |
| Loan loss allowance to noncurrent loans | 253.2294% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 5,061 |
| Noncurrent loans to loans | 0.6623% | 5,562 |
| Net loans and leases to total assets | 59.4810% | 4,236 |
| Net loans and leases to deposits | 70.3700% | 4,242 |
| Net loans and leases to core deposits | 79.9055% | 3,651 |
| Total domestic deposits to total assets | 84.5261% | 3,995 |
| Equity capital to assets | 11.7404% | 2,458 |
| Core capital (leverage) ratio | 11.5724% | 1,974 |
| Tier 1 risk-based capital ratio | 19.0405% | 1,923 |
| Total risk-based capital ratio | 20.2958% | 1,894 |
| Memoranda: | ||
| Average total assets | $109,512,500 | 4,688 |
| Average earning assets | $102,467,750 | 4,607 |
| Average equity | $12,567,500 | 4,436 |
| Average total loans | $66,453,000 | 4,652 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 1,813 |
| Cost of funding earning assets | 1.0084% | 3,899 |
| Net interest margin | 4.3134% | 1,615 |
| Noninterest income to average assets | 0.8080% | 1,981 |
| Noninterest expense to average assets | 3.8855% | 1,219 |
| Loan and lease loss provision to assets | 0.1638% | 4,292 |
| Net operating income to assets | 0.6368% | 3,876 |
| Return on assets (ROA) | 0.7307% | 3,497 |
| Pretax return on assets | 0.9056% | 3,593 |
| Return on Equity (ROE) | 6.4182% | 3,740 |
| Retained earnings to average equity (ytd only) | 4.8016% | 3,124 |
| Net charge-offs to loans | 0.1273% | 4,459 |
| Credit loss provision to net charge-offs | 211.9048% | 1,422 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,635 |
| Efficiency ratio | 80.2967% | 2,341 |
| Assets per employee ($millions) | 3.1055% | 5,870 |
| Cash dividends to net income (ytd only)* | 25.1889% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 2,732 |
| Loan loss allowance to noncurrent loans | 102.6316% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 1.6330% | 3,732 |
| Noncurrent loans to loans | 1.8310% | 3,710 |
| Net loans and leases to total assets | 59.9523% | 4,283 |
| Net loans and leases to deposits | 70.5750% | 4,358 |
| Net loans and leases to core deposits | 80.1023% | 3,772 |
| Total domestic deposits to total assets | 84.9484% | 3,898 |
| Equity capital to assets | 11.7459% | 2,291 |
| Core capital (leverage) ratio | 11.4606% | 1,940 |
| Tier 1 risk-based capital ratio | 18.7175% | 1,931 |
| Total risk-based capital ratio | 19.9757% | 1,894 |
| Memoranda: | ||
| Average total assets | $108,661,330 | 4,743 |
| Average earning assets | $101,543,000 | 4,663 |
| Average equity | $12,371,000 | 4,457 |
| Average total loans | $66,005,670 | 4,731 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 1,843 |
| Cost of funding earning assets | 1.0484% | 3,857 |
| Net interest margin | 4.2608% | 1,698 |
| Noninterest income to average assets | 0.6296% | 2,964 |
| Noninterest expense to average assets | 3.7222% | 1,493 |
| Loan and lease loss provision to assets | 0.1399% | 4,255 |
| Net operating income to assets | 0.6236% | 3,901 |
| Return on assets (ROA) | 0.8284% | 2,951 |
| Pretax return on assets | 0.9941% | 3,152 |
| Return on Equity (ROE) | 7.3934% | 3,202 |
| Retained earnings to average equity (ytd only) | 4.1075% | 3,697 |
| Net charge-offs to loans | 0.0365% | 4,596 |
| Credit loss provision to net charge-offs | 633.3333% | 595 |
| Earnings coverage of net charge-offs (x) | 40.1667% | 682 |
| Efficiency ratio | 80.7508% | 2,402 |
| Assets per employee ($millions) | 2.8822% | 6,392 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 2,559 |
| Loan loss allowance to noncurrent loans | 74.4565% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 2.0453% | 3,265 |
| Noncurrent loans to loans | 2.6098% | 2,890 |
| Net loans and leases to total assets | 56.8114% | 4,845 |
| Net loans and leases to deposits | 66.8540% | 4,852 |
| Net loans and leases to core deposits | 76.0285% | 4,302 |
| Total domestic deposits to total assets | 84.9784% | 4,041 |
| Equity capital to assets | 11.1859% | 2,517 |
| Core capital (leverage) ratio | 11.3661% | 1,922 |
| Tier 1 risk-based capital ratio | 19.2193% | 1,747 |
| Total risk-based capital ratio | 20.4778% | 1,717 |
| Memoranda: | ||
| Average total assets | $108,645,500 | 4,774 |
| Average earning assets | $101,483,500 | 4,702 |
| Average equity | $12,173,000 | 4,512 |
| Average total loans | $65,802,500 | 4,779 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9943% | 856 |
| Cost of funding earning assets | 1.2870% | 3,968 |
| Net interest margin | 4.7073% | 804 |
| Noninterest income to average assets | 0.9958% | 1,517 |
| Noninterest expense to average assets | 3.5726% | 1,993 |
| Loan and lease loss provision to assets | 0.7706% | 2,125 |
| Net operating income to assets | 0.8821% | 2,460 |
| Return on assets (ROA) | 0.9091% | 2,488 |
| Pretax return on assets | 1.0521% | 2,766 |
| Return on Equity (ROE) | 8.2869% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.2869% | 891 |
| Net charge-offs to loans | 0.5062% | 3,593 |
| Credit loss provision to net charge-offs | 235.2113% | 1,243 |
| Earnings coverage of net charge-offs (x) | 5.4676% | 2,617 |
| Efficiency ratio | 66.6036% | 4,844 |
| Assets per employee ($millions) | 2.9936% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 2,984 |
| Loan loss allowance to noncurrent loans | 86.4651% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.8530% | 3,551 |
| Noncurrent loans to loans | 2.0381% | 3,504 |
| Net loans and leases to total assets | 62.1236% | 4,259 |
| Net loans and leases to deposits | 73.2446% | 4,320 |
| Net loans and leases to core deposits | 84.8715% | 3,474 |
| Total domestic deposits to total assets | 84.8166% | 3,941 |
| Equity capital to assets | 11.2231% | 2,476 |
| Core capital (leverage) ratio | 11.0903% | 2,092 |
| Tier 1 risk-based capital ratio | 17.0313% | 2,337 |
| Total risk-based capital ratio | 18.2865% | 2,301 |
| Memoranda: | ||
| Average total assets | $108,352,600 | 4,760 |
| Average earning assets | $100,545,600 | 4,711 |
| Average equity | $11,886,200 | 4,642 |
| Average total loans | $70,133,200 | 4,678 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0731% | 803 |
| Cost of funding earning assets | 1.3222% | 4,094 |
| Net interest margin | 4.7509% | 745 |
| Noninterest income to average assets | 0.7607% | 2,448 |
| Noninterest expense to average assets | 3.5563% | 1,890 |
| Loan and lease loss provision to assets | 0.9524% | 1,572 |
| Net operating income to assets | 0.6505% | 3,643 |
| Return on assets (ROA) | 0.6919% | 3,611 |
| Pretax return on assets | 0.7005% | 4,226 |
| Return on Equity (ROE) | 6.3432% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.3432% | 2,181 |
| Net charge-offs to loans | 0.6248% | 2,874 |
| Credit loss provision to net charge-offs | 234.1390% | 1,449 |
| Earnings coverage of net charge-offs (x) | 3.9608% | 3,234 |
| Efficiency ratio | 68.8228% | 4,305 |
| Assets per employee ($millions) | 3.0719% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 3,138 |
| Loan loss allowance to noncurrent loans | 151.4954% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0896% | 4,939 |
| Noncurrent loans to loans | 1.1244% | 4,987 |
| Net loans and leases to total assets | 60.7932% | 4,761 |
| Net loans and leases to deposits | 72.8480% | 4,719 |
| Net loans and leases to core deposits | 84.6203% | 3,859 |
| Total domestic deposits to total assets | 83.4521% | 4,398 |
| Equity capital to assets | 11.2553% | 2,736 |
| Core capital (leverage) ratio | 10.8478% | 2,376 |
| Tier 1 risk-based capital ratio | 16.3736% | 2,605 |
| Total risk-based capital ratio | 17.6279% | 2,554 |
| Memoranda: | ||
| Average total assets | $108,498,500 | 4,820 |
| Average earning assets | $100,638,000 | 4,766 |
| Average equity | $11,834,000 | 4,727 |
| Average total loans | $70,628,750 | 4,728 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1033% | 750 |
| Cost of funding earning assets | 1.3453% | 4,213 |
| Net interest margin | 4.7579% | 712 |
| Noninterest income to average assets | 0.7031% | 2,685 |
| Noninterest expense to average assets | 3.5547% | 1,899 |
| Loan and lease loss provision to assets | 1.0204% | 1,431 |
| Net operating income to assets | 0.6197% | 3,785 |
| Return on assets (ROA) | 0.6623% | 3,720 |
| Pretax return on assets | 0.6456% | 4,416 |
| Return on Equity (ROE) | 6.1395% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.1395% | 2,257 |
| Net charge-offs to loans | 0.5044% | 3,016 |
| Credit loss provision to net charge-offs | 305.5556% | 1,200 |
| Earnings coverage of net charge-offs (x) | 4.8611% | 2,820 |
| Efficiency ratio | 68.6492% | 4,448 |
| Assets per employee ($millions) | 3.1547% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 3,746 |
| Loan loss allowance to noncurrent loans | 82.4641% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 3,967 |
| Noncurrent loans to loans | 1.8607% | 3,918 |
| Net loans and leases to total assets | 65.2719% | 3,991 |
| Net loans and leases to deposits | 77.6026% | 4,061 |
| Net loans and leases to core deposits | 83.6400% | 4,180 |
| Total domestic deposits to total assets | 84.1104% | 4,064 |
| Equity capital to assets | 11.0396% | 2,819 |
| Core capital (leverage) ratio | 10.6116% | 2,533 |
| Tier 1 risk-based capital ratio | 14.9895% | 3,153 |
| Total risk-based capital ratio | 16.2412% | 3,126 |
| Memoranda: | ||
| Average total assets | $107,802,000 | 4,866 |
| Average earning assets | $101,388,330 | 4,766 |
| Average equity | $11,629,670 | 4,773 |
| Average total loans | $71,373,330 | 4,739 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0628% | 853 |
| Cost of funding earning assets | 1.3819% | 4,294 |
| Net interest margin | 4.6810% | 811 |
| Noninterest income to average assets | 0.6773% | 2,756 |
| Noninterest expense to average assets | 3.4791% | 2,040 |
| Loan and lease loss provision to assets | 0.7772% | 1,626 |
| Net operating income to assets | 0.7690% | 3,112 |
| Return on assets (ROA) | 0.8143% | 3,001 |
| Pretax return on assets | 0.8698% | 3,581 |
| Return on Equity (ROE) | 7.6362% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.6362% | 1,867 |
| Net charge-offs to loans | 0.0392% | 5,031 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 61.7143% | 496 |
| Efficiency ratio | 68.5131% | 4,625 |
| Assets per employee ($millions) | 2.9381% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 5,016 |
| Loan loss allowance to noncurrent loans | 56.5138% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.9097% | 3,620 |
| Noncurrent loans to loans | 2.2741% | 3,429 |
| Net loans and leases to total assets | 65.2862% | 4,045 |
| Net loans and leases to deposits | 78.6210% | 3,920 |
| Net loans and leases to core deposits | 90.7222% | 3,267 |
| Total domestic deposits to total assets | 83.0391% | 4,605 |
| Equity capital to assets | 10.6836% | 3,055 |
| Core capital (leverage) ratio | 10.6115% | 2,526 |
| Tier 1 risk-based capital ratio | 14.5602% | 3,348 |
| Total risk-based capital ratio | 15.7384% | 3,354 |
| Memoranda: | ||
| Average total assets | $108,073,500 | 4,922 |
| Average earning assets | $101,602,500 | 4,830 |
| Average equity | $11,524,000 | 4,845 |
| Average total loans | $71,509,500 | 4,800 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0296% | 269 |
| Cost of funding earning assets | 1.8944% | 3,490 |
| Net interest margin | 5.1352% | 338 |
| Noninterest income to average assets | 0.7632% | 2,598 |
| Noninterest expense to average assets | 3.4828% | 2,411 |
| Loan and lease loss provision to assets | 1.1678% | 1,965 |
| Net operating income to assets | 0.7071% | 2,902 |
| Return on assets (ROA) | 0.7763% | 2,712 |
| Pretax return on assets | 0.9159% | 2,875 |
| Return on Equity (ROE) | 7.4607% | 2,596 |
| Retained earnings to average equity (ytd only) | 1.6109% | 3,954 |
| Net charge-offs to loans | 2.0408% | 1,201 |
| Credit loss provision to net charge-offs | 84.3137% | 6,177 |
| Earnings coverage of net charge-offs (x) | 1.4456% | 4,683 |
| Efficiency ratio | 63.4967% | 5,867 |
| Assets per employee ($millions) | 2.9037% | 6,451 |
| Cash dividends to net income (ytd only)* | 78.4077% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 6,296 |
| Loan loss allowance to noncurrent loans | 58.9534% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.5646% | 4,033 |
| Noncurrent loans to loans | 1.7196% | 4,058 |
| Net loans and leases to total assets | 65.5280% | 4,267 |
| Net loans and leases to deposits | 76.7165% | 4,624 |
| Net loans and leases to core deposits | 109.1216% | 2,989 |
| Total domestic deposits to total assets | 85.4158% | 3,346 |
| Equity capital to assets | 10.6424% | 3,033 |
| Core capital (leverage) ratio | 10.3584% | 2,726 |
| Tier 1 risk-based capital ratio | 14.2815% | 3,333 |
| Total risk-based capital ratio | 15.2010% | 3,483 |
| Memoranda: | ||
| Average total assets | $106,781,800 | 4,910 |
| Average earning assets | $98,185,000 | 4,888 |
| Average equity | $11,111,600 | 4,990 |
| Average total loans | $72,472,400 | 4,785 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2722% | 200 |
| Cost of funding earning assets | 1.9992% | 3,362 |
| Net interest margin | 5.2729% | 270 |
| Noninterest income to average assets | 0.8104% | 2,377 |
| Noninterest expense to average assets | 3.5440% | 2,158 |
| Loan and lease loss provision to assets | 0.6078% | 2,960 |
| Net operating income to assets | 1.0688% | 1,834 |
| Return on assets (ROA) | 1.0967% | 1,801 |
| Pretax return on assets | 1.5194% | 1,358 |
| Return on Equity (ROE) | 10.6001% | 1,733 |
| Retained earnings to average equity (ytd only) | 2.7437% | 3,798 |
| Net charge-offs to loans | 0.6629% | 2,705 |
| Credit loss provision to net charge-offs | 134.2541% | 3,712 |
| Earnings coverage of net charge-offs (x) | 4.6133% | 3,073 |
| Efficiency ratio | 62.9218% | 5,943 |
| Assets per employee ($millions) | 2.9853% | 6,200 |
| Cash dividends to net income (ytd only)* | 74.1170% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,508 |
| Loan loss allowance to noncurrent loans | 482.9596% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.6337% | 5,862 |
| Noncurrent loans to loans | 0.3081% | 6,751 |
| Net loans and leases to total assets | 66.3487% | 4,341 |
| Net loans and leases to deposits | 77.2594% | 4,851 |
| Net loans and leases to core deposits | 110.2478% | 3,207 |
| Total domestic deposits to total assets | 85.8779% | 2,762 |
| Equity capital to assets | 10.8914% | 3,123 |
| Core capital (leverage) ratio | 10.4134% | 2,862 |
| Tier 1 risk-based capital ratio | 14.0083% | 3,546 |
| Total risk-based capital ratio | 15.2601% | 3,498 |
| Memoranda: | ||
| Average total assets | $106,617,750 | 4,943 |
| Average earning assets | $97,501,750 | 4,943 |
| Average equity | $11,031,000 | 5,067 |
| Average total loans | $72,809,750 | 4,818 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5642% | 141 |
| Cost of funding earning assets | 2.0805% | 3,360 |
| Net interest margin | 5.4837% | 183 |
| Noninterest income to average assets | 0.9555% | 1,739 |
| Noninterest expense to average assets | 3.5793% | 2,124 |
| Loan and lease loss provision to assets | 0.5962% | 2,656 |
| Net operating income to assets | 1.2457% | 1,367 |
| Return on assets (ROA) | 1.2470% | 1,439 |
| Pretax return on assets | 1.7492% | 930 |
| Return on Equity (ROE) | 12.2706% | 1,339 |
| Retained earnings to average equity (ytd only) | 0.2406% | 5,117 |
| Net charge-offs to loans | 1.0198% | 1,740 |
| Credit loss provision to net charge-offs | 85.2151% | 5,058 |
| Earnings coverage of net charge-offs (x) | 3.3495% | 3,469 |
| Efficiency ratio | 60.4319% | 6,475 |
| Assets per employee ($millions) | 2.9337% | 6,305 |
| Cash dividends to net income (ytd only)* | 98.0392% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 4,683 |
| Loan loss allowance to noncurrent loans | 377.3109% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 5,816 |
| Noncurrent loans to loans | 0.3281% | 6,691 |
| Net loans and leases to total assets | 65.9892% | 4,564 |
| Net loans and leases to deposits | 76.8570% | 5,046 |
| Net loans and leases to core deposits | 109.5813% | 3,423 |
| Total domestic deposits to total assets | 85.8597% | 2,857 |
| Equity capital to assets | 10.1080% | 3,806 |
| Core capital (leverage) ratio | 10.0399% | 3,253 |
| Tier 1 risk-based capital ratio | 13.9084% | 3,573 |
| Total risk-based capital ratio | 15.0405% | 3,570 |
| Memoranda: | ||
| Average total assets | $106,333,670 | 4,982 |
| Average earning assets | $96,322,330 | 4,998 |
| Average equity | $10,806,330 | 5,134 |
| Average total loans | $72,952,330 | 4,842 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9966% | 92 |
| Cost of funding earning assets | 2.1032% | 3,632 |
| Net interest margin | 5.8933% | 112 |
| Noninterest income to average assets | 1.1176% | 1,187 |
| Noninterest expense to average assets | 3.5200% | 2,047 |
| Loan and lease loss provision to assets | 0.7603% | 1,693 |
| Net operating income to assets | 1.4913% | 954 |
| Return on assets (ROA) | 1.4939% | 1,020 |
| Pretax return on assets | 2.1668% | 473 |
| Return on Equity (ROE) | 14.6594% | 1,043 |
| Retained earnings to average equity (ytd only) | -9.5864% | 7,068 |
| Net charge-offs to loans | 2.0556% | 705 |
| Credit loss provision to net charge-offs | 53.1915% | 4,626 |
| Earnings coverage of net charge-offs (x) | 2.0452% | 3,700 |
| Efficiency ratio | 54.6313% | 7,155 |
| Assets per employee ($millions) | 2.7989% | 6,644 |
| Cash dividends to net income (ytd only)* | 165.3944% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 5,563 |
| Loan loss allowance to noncurrent loans | 202.3438% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 6,244 |
| Noncurrent loans to loans | 0.5370% | 6,073 |
| Net loans and leases to total assets | 64.7981% | 4,845 |
| Net loans and leases to deposits | 75.1831% | 5,319 |
| Net loans and leases to core deposits | 104.2537% | 4,113 |
| Total domestic deposits to total assets | 86.1871% | 2,620 |
| Equity capital to assets | 9.7427% | 4,316 |
| Core capital (leverage) ratio | 10.2895% | 3,116 |
| Tier 1 risk-based capital ratio | 13.5806% | 3,812 |
| Total risk-based capital ratio | 14.5610% | 3,909 |
| Memoranda: | ||
| Average total assets | $105,226,500 | 5,035 |
| Average earning assets | $95,091,000 | 5,054 |
| Average equity | $10,723,500 | 5,179 |
| Average total loans | $73,164,500 | 4,866 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5632% | 363 |
| Cost of funding earning assets | 2.4273% | 4,591 |
| Net interest margin | 5.1359% | 377 |
| Noninterest income to average assets | 0.6420% | 3,534 |
| Noninterest expense to average assets | 3.6469% | 2,047 |
| Loan and lease loss provision to assets | 0.0808% | 6,381 |
| Net operating income to assets | 1.1423% | 1,975 |
| Return on assets (ROA) | 1.1567% | 1,846 |
| Pretax return on assets | 1.7109% | 1,121 |
| Return on Equity (ROE) | 10.8886% | 1,939 |
| Retained earnings to average equity (ytd only) | 3.2875% | 3,106 |
| Net charge-offs to loans | 0.3926% | 2,854 |
| Credit loss provision to net charge-offs | 27.2109% | 6,547 |
| Earnings coverage of net charge-offs (x) | 5.9660% | 3,479 |
| Efficiency ratio | 67.3188% | 4,846 |
| Assets per employee ($millions) | 2.5973% | 7,009 |
| Cash dividends to net income (ytd only)* | 69.8080% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 3,966 |
| Loan loss allowance to noncurrent loans | 1,537.0968% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 7,037 |
| Noncurrent loans to loans | 0.0829% | 7,174 |
| Net loans and leases to total assets | 72.9224% | 3,378 |
| Net loans and leases to deposits | 90.9489% | 3,295 |
| Net loans and leases to core deposits | 122.4711% | 2,456 |
| Total domestic deposits to total assets | 80.1795% | 4,950 |
| Equity capital to assets | 10.6739% | 3,317 |
| Core capital (leverage) ratio | 11.0326% | 2,570 |
| Tier 1 risk-based capital ratio | 13.5828% | 3,768 |
| Total risk-based capital ratio | 14.7574% | 3,710 |
| Memoranda: | ||
| Average total assets | $99,070,800 | 5,083 |
| Average earning assets | $92,117,000 | 5,027 |
| Average equity | $10,524,800 | 5,254 |
| Average total loans | $74,894,200 | 4,697 |