Home > Uinta Bank > Performance and Condition Ratios
Uinta Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,752 |
| Cost of funding earning assets | 2.4747% | 386 |
| Net interest margin | 1.6548% | 4,483 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.2152% | 4,460 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4165% | 3,833 |
| Return on assets (ROA) | 0.3814% | 3,903 |
| Pretax return on assets | 0.4269% | 3,925 |
| Return on Equity (ROE) | 13.4900% | 1,604 |
| Retained earnings to average equity (ytd only) | 13.4929% | 451 |
| Net charge-offs to loans | 0.8781% | 118 |
| Credit loss provision to net charge-offs | 12.5523% | 2,334 |
| Earnings coverage of net charge-offs (x) | 1.7964% | 2,741 |
| Efficiency ratio | 70.2609% | 1,843 |
| Assets per employee ($millions) | 15.0906% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,137 |
| Loan loss allowance to noncurrent loans | 243.9628% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 2,703 |
| Noncurrent loans to loans | 0.4240% | 1,717 |
| Net loans and leases to total assets | 29.3900% | 4,305 |
| Net loans and leases to deposits | 33.8199% | 4,308 |
| Net loans and leases to core deposits | 60.2859% | 3,752 |
| Total domestic deposits to total assets | 86.9000% | 1,715 |
| Equity capital to assets | 3.5581% | 4,524 |
| Core capital (leverage) ratio | 10.4445% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9414% | 482 |
| Memoranda: | ||
| Average total assets | $250,421,600 | 2,682 |
| Average earning assets | $239,058,800 | 2,634 |
| Average equity | $7,077,800 | 4,044 |
| Average total loans | $81,656,800 | 3,384 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 3,723 |
| Cost of funding earning assets | 2.3353% | 374 |
| Net interest margin | 1.7282% | 4,494 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.2375% | 4,469 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4501% | 3,869 |
| Return on assets (ROA) | 0.4029% | 3,953 |
| Pretax return on assets | 0.4516% | 3,988 |
| Return on Equity (ROE) | 15.2700% | 1,402 |
| Retained earnings to average equity (ytd only) | 15.2719% | 527 |
| Net charge-offs to loans | 1.1418% | 82 |
| Credit loss provision to net charge-offs | 15.4712% | 2,022 |
| Earnings coverage of net charge-offs (x) | 1.4796% | 2,533 |
| Efficiency ratio | 68.7091% | 1,936 |
| Assets per employee ($millions) | 14.9551% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 3,265 |
| Loan loss allowance to noncurrent loans | 273.1544% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,786 |
| Noncurrent loans to loans | 0.3728% | 1,898 |
| Net loans and leases to total assets | 31.1200% | 4,297 |
| Net loans and leases to deposits | 34.9566% | 4,313 |
| Net loans and leases to core deposits | 62.9044% | 3,580 |
| Total domestic deposits to total assets | 89.0200% | 1,242 |
| Equity capital to assets | 1.3948% | 4,563 |
| Core capital (leverage) ratio | 10.4176% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8384% | 564 |
| Memoranda: | ||
| Average total assets | $248,874,750 | 2,692 |
| Average earning assets | $237,393,500 | 2,651 |
| Average equity | $6,565,250 | 4,099 |
| Average total loans | $83,025,000 | 3,380 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 3,726 |
| Cost of funding earning assets | 2.1331% | 387 |
| Net interest margin | 1.8485% | 4,528 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.2854% | 4,477 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.4796% | 3,850 |
| Return on assets (ROA) | 0.4241% | 3,961 |
| Pretax return on assets | 0.4784% | 4,001 |
| Return on Equity (ROE) | 13.8400% | 1,714 |
| Retained earnings to average equity (ytd only) | 13.8411% | 703 |
| Net charge-offs to loans | 1.6917% | 53 |
| Credit loss provision to net charge-offs | 15.4712% | 1,783 |
| Earnings coverage of net charge-offs (x) | 1.0942% | 2,383 |
| Efficiency ratio | 67.1175% | 2,094 |
| Assets per employee ($millions) | 13.8019% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 3,470 |
| Loan loss allowance to noncurrent loans | 36.1939% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 540 |
| Noncurrent loans to loans | 2.7353% | 166 |
| Net loans and leases to total assets | 32.7700% | 4,266 |
| Net loans and leases to deposits | 37.3980% | 4,267 |
| Net loans and leases to core deposits | 67.5327% | 3,259 |
| Total domestic deposits to total assets | 87.6200% | 1,739 |
| Equity capital to assets | 2.8044% | 4,573 |
| Core capital (leverage) ratio | 10.2382% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2295% | 613 |
| Memoranda: | ||
| Average total assets | $247,087,333 | 2,707 |
| Average earning assets | $236,087,333 | 2,670 |
| Average equity | $7,571,667 | 4,008 |
| Average total loans | $84,056,000 | 3,372 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 3,843 |
| Cost of funding earning assets | 1.7972% | 454 |
| Net interest margin | 2.0113% | 4,560 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.2824% | 4,548 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.5974% | 3,694 |
| Return on assets (ROA) | 0.4886% | 3,888 |
| Pretax return on assets | 0.5600% | 3,909 |
| Return on Equity (ROE) | 15.2900% | 1,497 |
| Retained earnings to average equity (ytd only) | 15.2908% | 760 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1069% | 2,682 |
| Assets per employee ($millions) | 12.5905% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 767 |
| Loan loss allowance to noncurrent loans | 48.5677% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 300 |
| Noncurrent loans to loans | 3.5529% | 112 |
| Net loans and leases to total assets | 33.3600% | 4,286 |
| Net loans and leases to deposits | 36.5780% | 4,309 |
| Net loans and leases to core deposits | 60.8579% | 3,502 |
| Total domestic deposits to total assets | 91.2000% | 736 |
| Equity capital to assets | 3.5400% | 4,571 |
| Core capital (leverage) ratio | 10.4969% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1010% | 649 |
| Memoranda: | ||
| Average total assets | $246,413,500 | 2,743 |
| Average earning assets | $235,473,000 | 2,700 |
| Average equity | $7,874,000 | 4,014 |
| Average total loans | $84,974,000 | 3,402 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2273% | 3,759 |
| Cost of funding earning assets | 0.9085% | 244 |
| Net interest margin | 2.3188% | 4,414 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.2338% | 4,593 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9084% | 2,926 |
| Return on assets (ROA) | 0.9030% | 2,883 |
| Pretax return on assets | 1.0641% | 2,883 |
| Return on Equity (ROE) | 18.4000% | 644 |
| Retained earnings to average equity (ytd only) | 14.1874% | 366 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.7766% | 4,000 |
| Assets per employee ($millions) | 12.6852% | 327 |
| Cash dividends to net income (ytd only)* | 22.8958% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 830 |
| Loan loss allowance to noncurrent loans | 133.9962% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 1,168 |
| Noncurrent loans to loans | 1.2502% | 555 |
| Net loans and leases to total assets | 34.4600% | 4,265 |
| Net loans and leases to deposits | 35.9602% | 4,343 |
| Net loans and leases to core deposits | 58.5089% | 3,586 |
| Total domestic deposits to total assets | 95.8300% | 89 |
| Equity capital to assets | 2.8355% | 4,615 |
| Core capital (leverage) ratio | 10.6259% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3377% | 600 |
| Memoranda: | ||
| Average total assets | $253,928,400 | 2,701 |
| Average earning assets | $244,566,000 | 2,645 |
| Average equity | $12,461,800 | 3,622 |
| Average total loans | $82,080,800 | 3,384 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0864% | 3,702 |
| Cost of funding earning assets | 0.7760% | 168 |
| Net interest margin | 2.3104% | 4,397 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.2205% | 4,616 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9523% | 2,655 |
| Return on assets (ROA) | 0.9836% | 2,513 |
| Pretax return on assets | 1.1629% | 2,515 |
| Return on Equity (ROE) | 18.2400% | 613 |
| Retained earnings to average equity (ytd only) | 13.1900% | 583 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.1628% | 4,073 |
| Assets per employee ($millions) | 12.8092% | 316 |
| Cash dividends to net income (ytd only)* | 27.6753% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 1,190 |
| Loan loss allowance to noncurrent loans | 129.7787% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 1,331 |
| Noncurrent loans to loans | 1.1864% | 621 |
| Net loans and leases to total assets | 33.9000% | 4,306 |
| Net loans and leases to deposits | 35.0522% | 4,395 |
| Net loans and leases to core deposits | 54.8478% | 3,697 |
| Total domestic deposits to total assets | 96.7000% | 92 |
| Equity capital to assets | 2.4247% | 4,640 |
| Core capital (leverage) ratio | 10.2404% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1067% | 633 |
| Memoranda: | ||
| Average total assets | $257,156,000 | 2,703 |
| Average earning assets | $248,267,250 | 2,641 |
| Average equity | $13,868,750 | 3,530 |
| Average total loans | $81,483,750 | 3,405 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9302% | 3,722 |
| Cost of funding earning assets | 0.6813% | 174 |
| Net interest margin | 2.2489% | 4,384 |
| Noninterest income to average assets | 0.1559% | 4,238 |
| Noninterest expense to average assets | 1.2462% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9266% | 2,461 |
| Return on assets (ROA) | 0.9689% | 2,247 |
| Pretax return on assets | 1.1385% | 2,274 |
| Return on Equity (ROE) | 15.3468% | 827 |
| Retained earnings to average equity (ytd only) | 8.9926% | 1,289 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3704% | 4,019 |
| Assets per employee ($millions) | 13.0383% | 286 |
| Cash dividends to net income (ytd only)* | 41.4038% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,481 |
| Loan loss allowance to noncurrent loans | 122.2334% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 1,400 |
| Noncurrent loans to loans | 1.2048% | 660 |
| Net loans and leases to total assets | 32.8139% | 4,376 |
| Net loans and leases to deposits | 34.4516% | 4,438 |
| Net loans and leases to core deposits | 56.0301% | 3,561 |
| Total domestic deposits to total assets | 95.2464% | 123 |
| Equity capital to assets | 4.5728% | 4,551 |
| Core capital (leverage) ratio | 9.6427% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1001% | 621 |
| Memoranda: | ||
| Average total assets | $261,750,000 | 2,695 |
| Average earning assets | $253,634,333 | 2,646 |
| Average equity | $16,524,667 | 3,356 |
| Average total loans | $80,716,667 | 3,445 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8907% | 3,558 |
| Cost of funding earning assets | 0.6550% | 197 |
| Net interest margin | 2.2358% | 4,307 |
| Noninterest income to average assets | 0.1846% | 4,052 |
| Noninterest expense to average assets | 1.0865% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0829% | 1,569 |
| Return on assets (ROA) | 1.1639% | 1,341 |
| Pretax return on assets | 1.3678% | 1,333 |
| Return on Equity (ROE) | 16.3573% | 497 |
| Retained earnings to average equity (ytd only) | 7.9904% | 1,588 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0568% | 4,494 |
| Assets per employee ($millions) | 13.7093% | 266 |
| Cash dividends to net income (ytd only)* | 51.1509% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 1,429 |
| Loan loss allowance to noncurrent loans | 93.8949% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 1,208 |
| Noncurrent loans to loans | 1.6377% | 485 |
| Net loans and leases to total assets | 29.8684% | 4,450 |
| Net loans and leases to deposits | 31.8305% | 4,502 |
| Net loans and leases to core deposits | 42.5618% | 4,215 |
| Total domestic deposits to total assets | 93.8359% | 128 |
| Equity capital to assets | 5.9979% | 4,587 |
| Core capital (leverage) ratio | 8.7664% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5333% | 597 |
| Memoranda: | ||
| Average total assets | $268,761,500 | 2,670 |
| Average earning assets | $261,386,500 | 2,602 |
| Average equity | $19,123,000 | 3,227 |
| Average total loans | $79,823,000 | 3,462 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1691% | 3,538 |
| Cost of funding earning assets | 0.8466% | 155 |
| Net interest margin | 2.3225% | 4,394 |
| Noninterest income to average assets | 0.2157% | 4,073 |
| Noninterest expense to average assets | 1.1410% | 4,730 |
| Loan and lease loss provision to assets | 0.0741% | 1,623 |
| Net operating income to assets | 1.0510% | 2,481 |
| Return on assets (ROA) | 1.0806% | 2,437 |
| Pretax return on assets | 1.2960% | 2,373 |
| Return on Equity (ROE) | 12.5860% | 1,613 |
| Retained earnings to average equity (ytd only) | 8.8512% | 1,249 |
| Net charge-offs to loans | 0.2734% | 327 |
| Credit loss provision to net charge-offs | 88.8889% | 1,888 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,992 |
| Efficiency ratio | 46.0916% | 4,499 |
| Assets per employee ($millions) | 14.5814% | 217 |
| Cash dividends to net income (ytd only)* | 29.6741% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,527 |
| Loan loss allowance to noncurrent loans | 67.5000% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 1,000 |
| Noncurrent loans to loans | 2.2324% | 327 |
| Net loans and leases to total assets | 28.6652% | 4,548 |
| Net loans and leases to deposits | 31.2770% | 4,595 |
| Net loans and leases to core deposits | 41.6074% | 4,354 |
| Total domestic deposits to total assets | 91.6494% | 279 |
| Equity capital to assets | 8.1658% | 4,262 |
| Core capital (leverage) ratio | 8.1538% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8798% | 668 |
| Memoranda: | ||
| Average total assets | $269,762,200 | 2,604 |
| Average earning assets | $262,475,800 | 2,534 |
| Average equity | $23,160,600 | 2,968 |
| Average total loans | $82,307,600 | 3,438 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2506% | 3,511 |
| Cost of funding earning assets | 0.8667% | 185 |
| Net interest margin | 2.3840% | 4,413 |
| Noninterest income to average assets | 0.2175% | 4,097 |
| Noninterest expense to average assets | 1.1077% | 4,811 |
| Loan and lease loss provision to assets | 0.0496% | 2,004 |
| Net operating income to assets | 1.1437% | 2,393 |
| Return on assets (ROA) | 1.1833% | 2,281 |
| Pretax return on assets | 1.4252% | 2,231 |
| Return on Equity (ROE) | 13.6106% | 1,512 |
| Retained earnings to average equity (ytd only) | 9.9475% | 1,332 |
| Net charge-offs to loans | 0.3626% | 216 |
| Credit loss provision to net charge-offs | 44.4444% | 1,889 |
| Earnings coverage of net charge-offs (x) | 12.7467% | 1,943 |
| Efficiency ratio | 43.6985% | 4,599 |
| Assets per employee ($millions) | 13.9359% | 247 |
| Cash dividends to net income (ytd only)* | 26.9134% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,959 |
| Loan loss allowance to noncurrent loans | 45.0323% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 776 |
| Noncurrent loans to loans | 3.1446% | 199 |
| Net loans and leases to total assets | 27.8500% | 4,654 |
| Net loans and leases to deposits | 30.4869% | 4,692 |
| Net loans and leases to core deposits | 39.7079% | 4,523 |
| Total domestic deposits to total assets | 91.3508% | 274 |
| Equity capital to assets | 8.3920% | 4,280 |
| Core capital (leverage) ratio | 8.1182% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5167% | 642 |
| Memoranda: | ||
| Average total assets | $267,941,000 | 2,635 |
| Average earning assets | $260,457,000 | 2,568 |
| Average equity | $23,295,000 | 2,994 |
| Average total loans | $82,726,750 | 3,479 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2301% | 3,613 |
| Cost of funding earning assets | 0.8894% | 195 |
| Net interest margin | 2.3408% | 4,473 |
| Noninterest income to average assets | 0.2353% | 3,995 |
| Noninterest expense to average assets | 1.1318% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1492% | 2,370 |
| Return on assets (ROA) | 1.1492% | 2,430 |
| Pretax return on assets | 1.3815% | 2,389 |
| Return on Equity (ROE) | 13.0592% | 1,695 |
| Retained earnings to average equity (ytd only) | 10.5660% | 1,229 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0331% | 4,567 |
| Assets per employee ($millions) | 11.9062% | 363 |
| Cash dividends to net income (ytd only)* | 19.0915% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,592 |
| Loan loss allowance to noncurrent loans | 561.0860% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,672 |
| Noncurrent loans to loans | 0.2672% | 2,980 |
| Net loans and leases to total assets | 29.7499% | 4,657 |
| Net loans and leases to deposits | 32.6732% | 4,714 |
| Net loans and leases to core deposits | 43.6746% | 4,467 |
| Total domestic deposits to total assets | 91.0529% | 358 |
| Equity capital to assets | 8.6228% | 4,110 |
| Core capital (leverage) ratio | 8.0938% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6489% | 639 |
| Memoranda: | ||
| Average total assets | $264,348,667 | 2,653 |
| Average earning assets | $257,266,333 | 2,576 |
| Average equity | $23,263,333 | 2,988 |
| Average total loans | $84,056,333 | 3,479 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 3,312 |
| Cost of funding earning assets | 0.9304% | 192 |
| Net interest margin | 2.4288% | 4,384 |
| Noninterest income to average assets | 0.1864% | 4,261 |
| Noninterest expense to average assets | 1.1325% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1787% | 2,241 |
| Return on assets (ROA) | 1.1787% | 2,308 |
| Pretax return on assets | 1.4191% | 2,232 |
| Return on Equity (ROE) | 13.2534% | 1,601 |
| Retained earnings to average equity (ytd only) | 10.3948% | 1,546 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3841% | 4,558 |
| Assets per employee ($millions) | 11.6173% | 376 |
| Cash dividends to net income (ytd only)* | 21.5686% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 1,865 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,386 |
| Noncurrent loans to loans | 0.0092% | 4,271 |
| Net loans and leases to total assets | 32.1600% | 4,628 |
| Net loans and leases to deposits | 35.8297% | 4,683 |
| Net loans and leases to core deposits | 47.1881% | 4,399 |
| Total domestic deposits to total assets | 89.7582% | 927 |
| Equity capital to assets | 8.3492% | 4,232 |
| Core capital (leverage) ratio | 8.1797% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5823% | 724 |
| Memoranda: | ||
| Average total assets | $259,601,500 | 2,675 |
| Average earning assets | $252,802,500 | 2,590 |
| Average equity | $23,088,500 | 2,985 |
| Average total loans | $84,730,500 | 3,484 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 3,768 |
| Cost of funding earning assets | 1.2577% | 216 |
| Net interest margin | 2.3578% | 4,684 |
| Noninterest income to average assets | 0.2314% | 4,114 |
| Noninterest expense to average assets | 1.2343% | 4,889 |
| Loan and lease loss provision to assets | 0.0476% | 3,801 |
| Net operating income to assets | 1.0435% | 2,128 |
| Return on assets (ROA) | 1.0501% | 2,244 |
| Pretax return on assets | 1.2542% | 2,142 |
| Return on Equity (ROE) | 11.4860% | 1,472 |
| Retained earnings to average equity (ytd only) | 9.3807% | 698 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8212% | 4,593 |
| Assets per employee ($millions) | 12.6003% | 287 |
| Cash dividends to net income (ytd only)* | 18.3287% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,551 |
| Loan loss allowance to noncurrent loans | 169.7674% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 2,836 |
| Noncurrent loans to loans | 0.8883% | 1,588 |
| Net loans and leases to total assets | 32.1617% | 4,702 |
| Net loans and leases to deposits | 35.7327% | 4,751 |
| Net loans and leases to core deposits | 47.7230% | 4,491 |
| Total domestic deposits to total assets | 90.0062% | 566 |
| Equity capital to assets | 9.4712% | 3,644 |
| Core capital (leverage) ratio | 7.9075% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5879% | 705 |
| Memoranda: | ||
| Average total assets | $241,585,400 | 2,641 |
| Average earning assets | $235,349,200 | 2,554 |
| Average equity | $22,087,800 | 2,998 |
| Average total loans | $81,397,400 | 3,532 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 4,141 |
| Cost of funding earning assets | 1.3181% | 227 |
| Net interest margin | 2.2198% | 4,812 |
| Noninterest income to average assets | 0.2405% | 4,046 |
| Noninterest expense to average assets | 1.2207% | 4,935 |
| Loan and lease loss provision to assets | 0.0640% | 3,538 |
| Net operating income to assets | 0.9399% | 2,564 |
| Return on assets (ROA) | 0.9535% | 2,640 |
| Pretax return on assets | 1.1337% | 2,625 |
| Return on Equity (ROE) | 10.5283% | 1,837 |
| Retained earnings to average equity (ytd only) | 8.4337% | 1,157 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8128% | 4,435 |
| Assets per employee ($millions) | 12.5215% | 294 |
| Cash dividends to net income (ytd only)* | 19.8947% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 34.1269% | 4,738 |
| Net loans and leases to deposits | 37.8729% | 4,794 |
| Net loans and leases to core deposits | 51.2854% | 4,545 |
| Total domestic deposits to total assets | 90.1090% | 393 |
| Equity capital to assets | 9.3020% | 3,859 |
| Core capital (leverage) ratio | 7.8298% | 4,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2877% | 639 |
| Memoranda: | ||
| Average total assets | $238,980,500 | 2,637 |
| Average earning assets | $232,744,750 | 2,558 |
| Average equity | $21,642,750 | 3,031 |
| Average total loans | $81,174,250 | 3,553 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 4,171 |
| Cost of funding earning assets | 1.3978% | 229 |
| Net interest margin | 2.2530% | 4,856 |
| Noninterest income to average assets | 0.2033% | 4,261 |
| Noninterest expense to average assets | 1.2340% | 4,967 |
| Loan and lease loss provision to assets | 0.0978% | 3,055 |
| Net operating income to assets | 0.8986% | 2,694 |
| Return on assets (ROA) | 0.9194% | 2,745 |
| Pretax return on assets | 1.0895% | 2,742 |
| Return on Equity (ROE) | 10.2503% | 1,906 |
| Retained earnings to average equity (ytd only) | 9.1788% | 963 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4904% | 4,397 |
| Assets per employee ($millions) | 12.5889% | 278 |
| Cash dividends to net income (ytd only)* | 10.4533% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,503 |
| Loan loss allowance to noncurrent loans | 498.3936% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 4,036 |
| Noncurrent loans to loans | 0.2860% | 3,356 |
| Net loans and leases to total assets | 34.0877% | 4,777 |
| Net loans and leases to deposits | 37.8020% | 4,837 |
| Net loans and leases to core deposits | 51.6638% | 4,578 |
| Total domestic deposits to total assets | 90.1742% | 353 |
| Equity capital to assets | 9.1347% | 3,973 |
| Core capital (leverage) ratio | 7.5241% | 4,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2773% | 646 |
| Memoranda: | ||
| Average total assets | $235,164,000 | 2,637 |
| Average earning assets | $228,938,333 | 2,562 |
| Average equity | $21,092,000 | 3,073 |
| Average total loans | $79,330,667 | 3,589 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 4,234 |
| Cost of funding earning assets | 1.5033% | 265 |
| Net interest margin | 2.2957% | 4,917 |
| Noninterest income to average assets | 0.2680% | 3,935 |
| Noninterest expense to average assets | 1.2748% | 5,010 |
| Loan and lease loss provision to assets | 0.0882% | 2,585 |
| Net operating income to assets | 0.9524% | 2,340 |
| Return on assets (ROA) | 0.9539% | 2,439 |
| Pretax return on assets | 1.1390% | 2,398 |
| Return on Equity (ROE) | 10.7456% | 1,490 |
| Retained earnings to average equity (ytd only) | 10.7456% | 609 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9873% | 4,612 |
| Assets per employee ($millions) | 11.6790% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 1,170 |
| Loan loss allowance to noncurrent loans | 472.2892% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 4,090 |
| Noncurrent loans to loans | 0.3297% | 3,310 |
| Net loans and leases to total assets | 31.8255% | 4,867 |
| Net loans and leases to deposits | 35.2550% | 4,915 |
| Net loans and leases to core deposits | 49.7947% | 4,684 |
| Total domestic deposits to total assets | 90.2723% | 248 |
| Equity capital to assets | 9.1515% | 4,504 |
| Core capital (leverage) ratio | 7.9989% | 4,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5272% | 693 |
| Memoranda: | ||
| Average total assets | $226,857,500 | 2,655 |
| Average earning assets | $220,587,500 | 2,570 |
| Average equity | $20,138,500 | 3,160 |
| Average total loans | $75,463,000 | 3,651 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 4,194 |
| Cost of funding earning assets | 1.6088% | 291 |
| Net interest margin | 2.4185% | 5,005 |
| Noninterest income to average assets | 0.1898% | 4,530 |
| Noninterest expense to average assets | 1.3655% | 5,055 |
| Loan and lease loss provision to assets | 0.0485% | 3,057 |
| Net operating income to assets | 0.9299% | 3,093 |
| Return on assets (ROA) | 0.9548% | 3,083 |
| Pretax return on assets | 1.1461% | 3,024 |
| Return on Equity (ROE) | 11.4733% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.1887% | 1,773 |
| Net charge-offs to loans | 0.0310% | 2,777 |
| Credit loss provision to net charge-offs | 454.5455% | 638 |
| Earnings coverage of net charge-offs (x) | 109.0455% | 636 |
| Efficiency ratio | 53.9716% | 4,425 |
| Assets per employee ($millions) | 11.0068% | 296 |
| Cash dividends to net income (ytd only)* | 46.0600% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,252 |
| Loan loss allowance to noncurrent loans | 405.0360% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 4,014 |
| Noncurrent loans to loans | 0.3686% | 3,125 |
| Net loans and leases to total assets | 33.7457% | 4,905 |
| Net loans and leases to deposits | 37.0724% | 4,956 |
| Net loans and leases to core deposits | 51.0164% | 4,732 |
| Total domestic deposits to total assets | 91.0264% | 121 |
| Equity capital to assets | 8.5861% | 4,876 |
| Core capital (leverage) ratio | 7.9969% | 5,040 |
| Tier 1 risk-based capital ratio | 19.5751% | 1,397 |
| Total risk-based capital ratio | 20.8134% | 1,366 |
| Memoranda: | ||
| Average total assets | $206,001,800 | 2,794 |
| Average earning assets | $199,340,400 | 2,718 |
| Average equity | $17,144,200 | 3,416 |
| Average total loans | $71,033,000 | 3,757 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 4,318 |
| Cost of funding earning assets | 1.6066% | 284 |
| Net interest margin | 2.4150% | 5,101 |
| Noninterest income to average assets | 0.1870% | 4,599 |
| Noninterest expense to average assets | 1.3144% | 5,139 |
| Loan and lease loss provision to assets | 0.0461% | 2,981 |
| Net operating income to assets | 0.9651% | 3,100 |
| Return on assets (ROA) | 0.9700% | 3,162 |
| Pretax return on assets | 1.1676% | 3,078 |
| Return on Equity (ROE) | 11.7567% | 1,702 |
| Retained earnings to average equity (ytd only) | 6.5209% | 2,103 |
| Net charge-offs to loans | 0.0419% | 2,256 |
| Credit loss provision to net charge-offs | 318.1818% | 921 |
| Earnings coverage of net charge-offs (x) | 83.3710% | 838 |
| Efficiency ratio | 52.1149% | 4,586 |
| Assets per employee ($millions) | 10.4132% | 313 |
| Cash dividends to net income (ytd only)* | 44.5347% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,282 |
| Loan loss allowance to noncurrent loans | 493.6937% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,204 |
| Noncurrent loans to loans | 0.3007% | 3,463 |
| Net loans and leases to total assets | 33.2562% | 5,001 |
| Net loans and leases to deposits | 36.6239% | 5,054 |
| Net loans and leases to core deposits | 49.1654% | 4,857 |
| Total domestic deposits to total assets | 90.8047% | 123 |
| Equity capital to assets | 8.6950% | 4,928 |
| Core capital (leverage) ratio | 8.1700% | 5,066 |
| Tier 1 risk-based capital ratio | 19.5754% | 1,445 |
| Total risk-based capital ratio | 20.8151% | 1,414 |
| Memoranda: | ||
| Average total assets | $202,468,500 | 2,844 |
| Average earning assets | $195,767,500 | 2,761 |
| Average equity | $16,705,000 | 3,499 |
| Average total loans | $69,938,250 | 3,818 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 4,387 |
| Cost of funding earning assets | 1.6048% | 260 |
| Net interest margin | 2.3904% | 5,168 |
| Noninterest income to average assets | 0.1908% | 4,612 |
| Noninterest expense to average assets | 1.3792% | 5,170 |
| Loan and lease loss provision to assets | 0.0507% | 2,804 |
| Net operating income to assets | 0.8958% | 3,303 |
| Return on assets (ROA) | 0.8728% | 3,457 |
| Pretax return on assets | 1.0433% | 3,408 |
| Return on Equity (ROE) | 10.7936% | 2,063 |
| Retained earnings to average equity (ytd only) | 8.8357% | 1,083 |
| Net charge-offs to loans | 0.0641% | 1,739 |
| Credit loss provision to net charge-offs | 227.2727% | 1,099 |
| Earnings coverage of net charge-offs (x) | 50.2273% | 1,092 |
| Efficiency ratio | 55.1542% | 4,350 |
| Assets per employee ($millions) | 9.6530% | 374 |
| Cash dividends to net income (ytd only)* | 18.1395% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,215 |
| Loan loss allowance to noncurrent loans | 484.6847% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,080 |
| Noncurrent loans to loans | 0.3132% | 3,418 |
| Net loans and leases to total assets | 34.4395% | 5,017 |
| Net loans and leases to deposits | 37.9208% | 5,079 |
| Net loans and leases to core deposits | 51.9477% | 4,820 |
| Total domestic deposits to total assets | 90.8195% | 126 |
| Equity capital to assets | 8.7804% | 4,910 |
| Core capital (leverage) ratio | 8.3616% | 5,036 |
| Tier 1 risk-based capital ratio | 19.7988% | 1,387 |
| Total risk-based capital ratio | 21.0491% | 1,359 |
| Memoranda: | ||
| Average total assets | $197,065,330 | 2,897 |
| Average earning assets | $190,430,000 | 2,822 |
| Average equity | $15,935,330 | 3,584 |
| Average total loans | $68,644,330 | 3,866 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 4,708 |
| Cost of funding earning assets | 1.5932% | 234 |
| Net interest margin | 2.2096% | 5,272 |
| Noninterest income to average assets | 0.1606% | 4,775 |
| Noninterest expense to average assets | 1.3756% | 5,233 |
| Loan and lease loss provision to assets | 0.0721% | 2,226 |
| Net operating income to assets | 0.7153% | 3,884 |
| Return on assets (ROA) | 0.7310% | 3,889 |
| Pretax return on assets | 0.8649% | 3,881 |
| Return on Equity (ROE) | 9.4645% | 2,603 |
| Retained earnings to average equity (ytd only) | 9.4645% | 1,176 |
| Net charge-offs to loans | 0.1303% | 962 |
| Credit loss provision to net charge-offs | 159.0909% | 1,194 |
| Earnings coverage of net charge-offs (x) | 20.2727% | 1,564 |
| Efficiency ratio | 59.9641% | 3,809 |
| Assets per employee ($millions) | 9.8103% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,188 |
| Loan loss allowance to noncurrent loans | 47.3027% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 1,190 |
| Noncurrent loans to loans | 3.2746% | 297 |
| Net loans and leases to total assets | 34.3695% | 5,058 |
| Net loans and leases to deposits | 37.4691% | 5,123 |
| Net loans and leases to core deposits | 49.7977% | 4,898 |
| Total domestic deposits to total assets | 91.7276% | 75 |
| Equity capital to assets | 7.9768% | 5,188 |
| Core capital (leverage) ratio | 8.2887% | 5,108 |
| Tier 1 risk-based capital ratio | 19.9554% | 1,346 |
| Total risk-based capital ratio | 21.2054% | 1,324 |
| Memoranda: | ||
| Average total assets | $194,242,000 | 2,955 |
| Average earning assets | $187,544,000 | 2,879 |
| Average equity | $15,003,500 | 3,699 |
| Average total loans | $67,522,000 | 3,931 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7144% | 4,646 |
| Cost of funding earning assets | 1.3899% | 151 |
| Net interest margin | 2.3245% | 5,275 |
| Noninterest income to average assets | 0.1968% | 4,724 |
| Noninterest expense to average assets | 1.5117% | 5,219 |
| Loan and lease loss provision to assets | 0.0622% | 2,913 |
| Net operating income to assets | 0.7310% | 4,036 |
| Return on assets (ROA) | 0.7396% | 4,006 |
| Pretax return on assets | 0.8775% | 3,958 |
| Return on Equity (ROE) | 10.2570% | 2,416 |
| Retained earnings to average equity (ytd only) | -9.2373% | 5,312 |
| Net charge-offs to loans | 0.0786% | 2,006 |
| Credit loss provision to net charge-offs | 239.5833% | 1,237 |
| Earnings coverage of net charge-offs (x) | 35.8125% | 1,423 |
| Efficiency ratio | 61.9269% | 3,542 |
| Assets per employee ($millions) | 9.6132% | 382 |
| Cash dividends to net income (ytd only)* | 190.0585% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 1,083 |
| Loan loss allowance to noncurrent loans | 50.7513% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 1,261 |
| Noncurrent loans to loans | 3.1000% | 319 |
| Net loans and leases to total assets | 34.0683% | 5,120 |
| Net loans and leases to deposits | 36.9151% | 5,180 |
| Net loans and leases to core deposits | 50.2254% | 4,938 |
| Total domestic deposits to total assets | 92.2882% | 57 |
| Equity capital to assets | 7.4668% | 5,285 |
| Core capital (leverage) ratio | 8.4220% | 5,062 |
| Tier 1 risk-based capital ratio | 19.7861% | 1,343 |
| Total risk-based capital ratio | 21.0357% | 1,312 |
| Memoranda: | ||
| Average total assets | $184,956,000 | 3,005 |
| Average earning assets | $178,577,000 | 2,935 |
| Average equity | $13,337,200 | 3,838 |
| Average total loans | $61,104,800 | 4,069 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6311% | 4,752 |
| Cost of funding earning assets | 1.3352% | 148 |
| Net interest margin | 2.2959% | 5,350 |
| Noninterest income to average assets | 0.1980% | 4,789 |
| Noninterest expense to average assets | 1.4758% | 5,294 |
| Loan and lease loss provision to assets | 0.0655% | 2,663 |
| Net operating income to assets | 0.7368% | 4,122 |
| Return on assets (ROA) | 0.7485% | 4,090 |
| Pretax return on assets | 0.8890% | 4,060 |
| Return on Equity (ROE) | 10.4768% | 2,398 |
| Retained earnings to average equity (ytd only) | -5.8295% | 5,329 |
| Net charge-offs to loans | 0.0335% | 2,417 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 86.1310% | 845 |
| Efficiency ratio | 61.0726% | 3,654 |
| Assets per employee ($millions) | 9.9699% | 338 |
| Cash dividends to net income (ytd only)* | 155.6423% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,068 |
| Loan loss allowance to noncurrent loans | 46.2516% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.2754% | 1,080 |
| Noncurrent loans to loans | 3.4725% | 280 |
| Net loans and leases to total assets | 34.1199% | 5,199 |
| Net loans and leases to deposits | 36.7298% | 5,261 |
| Net loans and leases to core deposits | 50.9058% | 4,996 |
| Total domestic deposits to total assets | 92.8944% | 41 |
| Equity capital to assets | 6.8242% | 5,409 |
| Core capital (leverage) ratio | 8.2913% | 5,209 |
| Tier 1 risk-based capital ratio | 19.8125% | 1,375 |
| Total risk-based capital ratio | 21.0632% | 1,341 |
| Memoranda: | ||
| Average total assets | $183,129,000 | 3,046 |
| Average earning assets | $176,946,250 | 2,977 |
| Average equity | $13,082,500 | 3,905 |
| Average total loans | $59,744,000 | 4,142 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,674 |
| Cost of funding earning assets | 1.2399% | 156 |
| Net interest margin | 2.4168% | 5,375 |
| Noninterest income to average assets | 0.1690% | 4,979 |
| Noninterest expense to average assets | 1.4705% | 5,358 |
| Loan and lease loss provision to assets | 0.0608% | 2,685 |
| Net operating income to assets | 0.8181% | 3,794 |
| Return on assets (ROA) | 0.8385% | 3,724 |
| Pretax return on assets | 0.9965% | 3,674 |
| Return on Equity (ROE) | 11.5575% | 1,885 |
| Retained earnings to average equity (ytd only) | 11.5575% | 580 |
| Net charge-offs to loans | 0.0519% | 1,860 |
| Credit loss provision to net charge-offs | 366.6667% | 877 |
| Earnings coverage of net charge-offs (x) | 62.3333% | 972 |
| Efficiency ratio | 58.7379% | 4,123 |
| Assets per employee ($millions) | 9.5748% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 885 |
| Loan loss allowance to noncurrent loans | 39.8126% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.4084% | 977 |
| Noncurrent loans to loans | 4.3042% | 192 |
| Net loans and leases to total assets | 30.5507% | 5,309 |
| Net loans and leases to deposits | 32.9414% | 5,363 |
| Net loans and leases to core deposits | 46.0592% | 5,149 |
| Total domestic deposits to total assets | 92.7424% | 44 |
| Equity capital to assets | 6.8780% | 5,461 |
| Core capital (leverage) ratio | 8.4286% | 5,157 |
| Tier 1 risk-based capital ratio | 20.2732% | 1,275 |
| Total risk-based capital ratio | 21.5236% | 1,249 |
| Memoranda: | ||
| Average total assets | $181,029,000 | 3,084 |
| Average earning assets | $174,856,330 | 3,013 |
| Average equity | $13,134,330 | 3,911 |
| Average total loans | $57,762,670 | 4,224 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 4,223 |
| Cost of funding earning assets | 1.1470% | 181 |
| Net interest margin | 2.6519% | 5,288 |
| Noninterest income to average assets | 0.1707% | 4,997 |
| Noninterest expense to average assets | 1.5313% | 5,370 |
| Loan and lease loss provision to assets | 0.0569% | 2,635 |
| Net operating income to assets | 0.9550% | 3,052 |
| Return on assets (ROA) | 0.9852% | 2,944 |
| Pretax return on assets | 1.1809% | 2,839 |
| Return on Equity (ROE) | 13.2052% | 1,204 |
| Retained earnings to average equity (ytd only) | 13.2052% | 493 |
| Net charge-offs to loans | 0.1055% | 1,147 |
| Credit loss provision to net charge-offs | 166.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | 35.2000% | 1,140 |
| Efficiency ratio | 56.0366% | 4,577 |
| Assets per employee ($millions) | 9.3315% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 895 |
| Loan loss allowance to noncurrent loans | 40.8753% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.4422% | 990 |
| Noncurrent loans to loans | 4.2306% | 220 |
| Net loans and leases to total assets | 31.7319% | 5,329 |
| Net loans and leases to deposits | 34.3867% | 5,389 |
| Net loans and leases to core deposits | 46.9765% | 5,122 |
| Total domestic deposits to total assets | 92.2797% | 81 |
| Equity capital to assets | 7.2951% | 5,474 |
| Core capital (leverage) ratio | 8.2963% | 5,266 |
| Tier 1 risk-based capital ratio | 20.5564% | 1,255 |
| Total risk-based capital ratio | 21.8074% | 1,237 |
| Memoranda: | ||
| Average total assets | $175,796,000 | 3,177 |
| Average earning assets | $169,839,000 | 3,100 |
| Average equity | $13,116,000 | 3,947 |
| Average total loans | $56,882,500 | 4,285 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5369% | 4,723 |
| Cost of funding earning assets | 1.0313% | 183 |
| Net interest margin | 2.5056% | 5,408 |
| Noninterest income to average assets | 0.1861% | 5,030 |
| Noninterest expense to average assets | 1.5277% | 5,458 |
| Loan and lease loss provision to assets | 0.0125% | 4,040 |
| Net operating income to assets | 0.7115% | 3,552 |
| Return on assets (ROA) | 0.7141% | 3,595 |
| Pretax return on assets | 1.0683% | 3,308 |
| Return on Equity (ROE) | 8.7725% | 2,419 |
| Retained earnings to average equity (ytd only) | 6.1033% | 1,479 |
| Net charge-offs to loans | 0.0216% | 3,384 |
| Credit loss provision to net charge-offs | 181.8182% | 1,490 |
| Earnings coverage of net charge-offs (x) | 157.2727% | 464 |
| Efficiency ratio | 58.6520% | 4,452 |
| Assets per employee ($millions) | 10.2526% | 295 |
| Cash dividends to net income (ytd only)* | 30.4272% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 883 |
| Loan loss allowance to noncurrent loans | 127.7705% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 2,799 |
| Noncurrent loans to loans | 1.3572% | 1,287 |
| Net loans and leases to total assets | 31.8628% | 5,395 |
| Net loans and leases to deposits | 34.6237% | 5,453 |
| Net loans and leases to core deposits | 46.8191% | 5,224 |
| Total domestic deposits to total assets | 92.0261% | 79 |
| Equity capital to assets | 7.6296% | 5,510 |
| Core capital (leverage) ratio | 8.1173% | 5,395 |
| Tier 1 risk-based capital ratio | 20.3999% | 1,251 |
| Total risk-based capital ratio | 21.6516% | 1,219 |
| Memoranda: | ||
| Average total assets | $160,633,000 | 3,341 |
| Average earning assets | $155,052,000 | 3,258 |
| Average equity | $13,075,000 | 3,974 |
| Average total loans | $51,007,600 | 4,431 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 4,819 |
| Cost of funding earning assets | 1.0028% | 194 |
| Net interest margin | 2.4944% | 5,474 |
| Noninterest income to average assets | 0.1925% | 5,052 |
| Noninterest expense to average assets | 1.5189% | 5,504 |
| Loan and lease loss provision to assets | 0.0085% | 3,959 |
| Net operating income to assets | 0.7881% | 3,570 |
| Return on assets (ROA) | 0.7912% | 3,613 |
| Pretax return on assets | 1.0762% | 3,399 |
| Return on Equity (ROE) | 9.5549% | 2,320 |
| Retained earnings to average equity (ytd only) | 8.0187% | 1,217 |
| Net charge-offs to loans | 0.0054% | 3,541 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 636.1873% | 162 |
| Efficiency ratio | 58.4339% | 4,447 |
| Assets per employee ($millions) | 9.1821% | 405 |
| Cash dividends to net income (ytd only)* | 16.0776% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8608% | 764 |
| Loan loss allowance to noncurrent loans | 127.6762% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 3,181 |
| Noncurrent loans to loans | 1.4575% | 1,284 |
| Net loans and leases to total assets | 31.2074% | 5,471 |
| Net loans and leases to deposits | 34.1386% | 5,525 |
| Net loans and leases to core deposits | 45.2483% | 5,336 |
| Total domestic deposits to total assets | 91.4139% | 112 |
| Equity capital to assets | 8.1814% | 5,446 |
| Core capital (leverage) ratio | 8.4867% | 5,258 |
| Tier 1 risk-based capital ratio | 21.9732% | 1,045 |
| Total risk-based capital ratio | 23.2269% | 1,032 |
| Memoranda: | ||
| Average total assets | $157,217,750 | 3,411 |
| Average earning assets | $151,698,250 | 3,335 |
| Average equity | $13,019,250 | 4,022 |
| Average total loans | $49,630,750 | 4,511 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4273% | 4,922 |
| Cost of funding earning assets | 0.9608% | 211 |
| Net interest margin | 2.4665% | 5,528 |
| Noninterest income to average assets | 0.1903% | 5,100 |
| Noninterest expense to average assets | 1.5337% | 5,544 |
| Loan and lease loss provision to assets | 0.0129% | 3,697 |
| Net operating income to assets | 0.7536% | 3,622 |
| Return on assets (ROA) | 0.7584% | 3,646 |
| Pretax return on assets | 1.0289% | 3,452 |
| Return on Equity (ROE) | 9.1194% | 2,457 |
| Retained earnings to average equity (ytd only) | 7.5632% | 1,324 |
| Net charge-offs to loans | 0.0123% | 3,024 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 266.6667% | 322 |
| Efficiency ratio | 59.6977% | 4,361 |
| Assets per employee ($millions) | 9.3854% | 364 |
| Cash dividends to net income (ytd only)* | 17.0648% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8943% | 728 |
| Loan loss allowance to noncurrent loans | 127.6762% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 3,169 |
| Noncurrent loans to loans | 1.4837% | 1,270 |
| Net loans and leases to total assets | 31.7460% | 5,503 |
| Net loans and leases to deposits | 34.7639% | 5,559 |
| Net loans and leases to core deposits | 47.6482% | 5,295 |
| Total domestic deposits to total assets | 91.3188% | 154 |
| Equity capital to assets | 8.3227% | 5,399 |
| Core capital (leverage) ratio | 8.6160% | 5,129 |
| Tier 1 risk-based capital ratio | 22.0779% | 1,044 |
| Total risk-based capital ratio | 23.3310% | 1,022 |
| Memoranda: | ||
| Average total assets | $154,531,000 | 3,462 |
| Average earning assets | $149,039,330 | 3,385 |
| Average equity | $12,851,670 | 4,056 |
| Average total loans | $48,655,330 | 4,563 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2489% | 5,176 |
| Cost of funding earning assets | 0.9049% | 271 |
| Net interest margin | 2.3440% | 5,639 |
| Noninterest income to average assets | 0.1947% | 5,102 |
| Noninterest expense to average assets | 1.5524% | 5,599 |
| Loan and lease loss provision to assets | 0.0132% | 3,395 |
| Net operating income to assets | 0.6710% | 3,833 |
| Return on assets (ROA) | 0.6710% | 3,872 |
| Pretax return on assets | 0.8920% | 3,802 |
| Return on Equity (ROE) | 8.0709% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.0709% | 1,430 |
| Net charge-offs to loans | 0.0254% | 2,248 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 114.6667% | 477 |
| Efficiency ratio | 63.1692% | 3,960 |
| Assets per employee ($millions) | 9.0749% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 576 |
| Loan loss allowance to noncurrent loans | 90.4275% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 2,548 |
| Noncurrent loans to loans | 2.3005% | 719 |
| Net loans and leases to total assets | 29.6870% | 5,596 |
| Net loans and leases to deposits | 32.5072% | 5,646 |
| Net loans and leases to core deposits | 43.7456% | 5,419 |
| Total domestic deposits to total assets | 91.3245% | 205 |
| Equity capital to assets | 8.3281% | 5,342 |
| Core capital (leverage) ratio | 8.7393% | 5,008 |
| Tier 1 risk-based capital ratio | 23.7099% | 895 |
| Total risk-based capital ratio | 24.9647% | 878 |
| Memoranda: | ||
| Average total assets | $152,021,000 | 3,529 |
| Average earning assets | $146,756,000 | 3,440 |
| Average equity | $12,638,000 | 4,115 |
| Average total loans | $47,168,500 | 4,644 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 5,065 |
| Cost of funding earning assets | 0.8319% | 424 |
| Net interest margin | 2.5235% | 5,572 |
| Noninterest income to average assets | 0.2535% | 4,903 |
| Noninterest expense to average assets | 1.8003% | 5,470 |
| Loan and lease loss provision to assets | 0.0141% | 4,098 |
| Net operating income to assets | 0.6414% | 4,035 |
| Return on assets (ROA) | 0.7161% | 3,826 |
| Pretax return on assets | 0.9775% | 3,551 |
| Return on Equity (ROE) | 8.1534% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.1534% | 800 |
| Net charge-offs to loans | -0.0104% | 4,945 |
| Credit loss provision to net charge-offs | -400.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9380% | 3,449 |
| Assets per employee ($millions) | 8.8099% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0393% | 606 |
| Loan loss allowance to noncurrent loans | 38.2945% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.6913% | 911 |
| Noncurrent loans to loans | 5.3253% | 138 |
| Net loans and leases to total assets | 31.1112% | 5,621 |
| Net loans and leases to deposits | 34.4007% | 5,671 |
| Net loans and leases to core deposits | 44.9811% | 5,466 |
| Total domestic deposits to total assets | 90.4379% | 468 |
| Equity capital to assets | 8.2981% | 5,419 |
| Core capital (leverage) ratio | 8.7802% | 4,991 |
| Tier 1 risk-based capital ratio | 23.8510% | 879 |
| Total risk-based capital ratio | 25.1068% | 864 |
| Memoranda: | ||
| Average total assets | $141,591,000 | 3,647 |
| Average earning assets | $136,674,200 | 3,542 |
| Average equity | $12,436,600 | 4,185 |
| Average total loans | $48,218,200 | 4,629 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3953% | 5,032 |
| Cost of funding earning assets | 0.8184% | 453 |
| Net interest margin | 2.5769% | 5,603 |
| Noninterest income to average assets | 0.2647% | 4,879 |
| Noninterest expense to average assets | 1.8364% | 5,470 |
| Loan and lease loss provision to assets | 0.0143% | 3,965 |
| Net operating income to assets | 0.6406% | 4,121 |
| Return on assets (ROA) | 0.7376% | 3,791 |
| Pretax return on assets | 1.0386% | 3,479 |
| Return on Equity (ROE) | 8.2750% | 2,867 |
| Retained earnings to average equity (ytd only) | 8.2750% | 1,055 |
| Net charge-offs to loans | -0.0110% | 4,798 |
| Credit loss provision to net charge-offs | -375.0000% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7129% | 3,469 |
| Assets per employee ($millions) | 8.1077% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 666 |
| Loan loss allowance to noncurrent loans | 28.4158% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 2.3270% | 609 |
| Noncurrent loans to loans | 7.2003% | 80 |
| Net loans and leases to total assets | 31.6571% | 5,686 |
| Net loans and leases to deposits | 34.8671% | 5,742 |
| Net loans and leases to core deposits | 45.7204% | 5,520 |
| Total domestic deposits to total assets | 90.7934% | 245 |
| Equity capital to assets | 8.7831% | 5,330 |
| Core capital (leverage) ratio | 8.9452% | 4,886 |
| Tier 1 risk-based capital ratio | 23.9244% | 911 |
| Total risk-based capital ratio | 25.1799% | 889 |
| Memoranda: | ||
| Average total assets | $139,546,500 | 3,703 |
| Average earning assets | $134,733,250 | 3,595 |
| Average equity | $12,438,750 | 4,215 |
| Average total loans | $48,381,500 | 4,661 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4379% | 5,009 |
| Cost of funding earning assets | 0.7886% | 521 |
| Net interest margin | 2.6493% | 5,620 |
| Noninterest income to average assets | 0.2751% | 4,818 |
| Noninterest expense to average assets | 1.8630% | 5,514 |
| Loan and lease loss provision to assets | 0.0218% | 3,690 |
| Net operating income to assets | 0.6676% | 3,968 |
| Return on assets (ROA) | 0.7626% | 3,635 |
| Pretax return on assets | 1.0814% | 3,276 |
| Return on Equity (ROE) | 8.5118% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.5118% | 1,006 |
| Net charge-offs to loans | -0.0041% | 4,483 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7760% | 3,712 |
| Assets per employee ($millions) | 6.3923% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 631 |
| Loan loss allowance to noncurrent loans | 26.0705% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.6239% | 504 |
| Noncurrent loans to loans | 8.0005% | 70 |
| Net loans and leases to total assets | 32.1124% | 5,739 |
| Net loans and leases to deposits | 35.4235% | 5,798 |
| Net loans and leases to core deposits | 46.4547% | 5,548 |
| Total domestic deposits to total assets | 90.6528% | 274 |
| Equity capital to assets | 8.9603% | 5,266 |
| Core capital (leverage) ratio | 9.1827% | 4,622 |
| Tier 1 risk-based capital ratio | 22.7643% | 1,044 |
| Total risk-based capital ratio | 24.0190% | 1,022 |
| Memoranda: | ||
| Average total assets | $137,415,670 | 3,764 |
| Average earning assets | $132,641,000 | 3,651 |
| Average equity | $12,312,330 | 4,263 |
| Average total loans | $48,787,000 | 4,686 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5078% | 4,876 |
| Cost of funding earning assets | 0.7741% | 566 |
| Net interest margin | 2.7337% | 5,564 |
| Noninterest income to average assets | 0.3299% | 4,370 |
| Noninterest expense to average assets | 1.9145% | 5,504 |
| Loan and lease loss provision to assets | 0.0442% | 3,037 |
| Net operating income to assets | 0.7116% | 3,656 |
| Return on assets (ROA) | 0.7982% | 3,373 |
| Pretax return on assets | 1.1369% | 2,948 |
| Return on Equity (ROE) | 8.9086% | 2,465 |
| Retained earnings to average equity (ytd only) | 8.9086% | 1,141 |
| Net charge-offs to loans | -0.0080% | 4,446 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4202% | 4,056 |
| Assets per employee ($millions) | 6.9106% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 819 |
| Loan loss allowance to noncurrent loans | 30.6077% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.2741% | 702 |
| Noncurrent loans to loans | 6.5320% | 120 |
| Net loans and leases to total assets | 34.1181% | 5,711 |
| Net loans and leases to deposits | 37.6244% | 5,792 |
| Net loans and leases to core deposits | 47.3820% | 5,537 |
| Total domestic deposits to total assets | 90.6809% | 369 |
| Equity capital to assets | 8.9284% | 5,245 |
| Core capital (leverage) ratio | 9.1196% | 4,708 |
| Tier 1 risk-based capital ratio | 23.8712% | 926 |
| Total risk-based capital ratio | 25.1284% | 916 |
| Memoranda: | ||
| Average total assets | $135,808,000 | 3,807 |
| Average earning assets | $131,249,000 | 3,695 |
| Average equity | $12,168,000 | 4,306 |
| Average total loans | $50,119,500 | 4,671 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 4,319 |
| Cost of funding earning assets | 0.7439% | 660 |
| Net interest margin | 2.9739% | 5,198 |
| Noninterest income to average assets | 0.2461% | 5,125 |
| Noninterest expense to average assets | 1.9740% | 5,507 |
| Loan and lease loss provision to assets | 0.0469% | 3,387 |
| Net operating income to assets | 0.7643% | 3,500 |
| Return on assets (ROA) | 0.7741% | 3,526 |
| Pretax return on assets | 1.1030% | 3,042 |
| Return on Equity (ROE) | 8.5963% | 2,673 |
| Retained earnings to average equity (ytd only) | 7.3819% | 1,133 |
| Net charge-offs to loans | -0.0060% | 5,007 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4765% | 4,372 |
| Assets per employee ($millions) | 6.6703% | 1,016 |
| Cash dividends to net income (ytd only)* | 14.1271% | 3,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 1,104 |
| Loan loss allowance to noncurrent loans | 78.4590% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 2,398 |
| Noncurrent loans to loans | 2.3157% | 830 |
| Net loans and leases to total assets | 38.3606% | 5,605 |
| Net loans and leases to deposits | 42.9004% | 5,684 |
| Net loans and leases to core deposits | 54.7461% | 5,270 |
| Total domestic deposits to total assets | 89.4179% | 903 |
| Equity capital to assets | 8.9922% | 5,132 |
| Core capital (leverage) ratio | 8.9431% | 4,952 |
| Tier 1 risk-based capital ratio | 22.0545% | 1,135 |
| Total risk-based capital ratio | 23.3103% | 1,113 |
| Memoranda: | ||
| Average total assets | $128,012,000 | 3,933 |
| Average earning assets | $123,272,000 | 3,811 |
| Average equity | $11,528,200 | 4,389 |
| Average total loans | $50,378,400 | 4,657 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 4,438 |
| Cost of funding earning assets | 0.7436% | 671 |
| Net interest margin | 2.9514% | 5,304 |
| Noninterest income to average assets | 0.2474% | 5,161 |
| Noninterest expense to average assets | 1.9684% | 5,535 |
| Loan and lease loss provision to assets | 0.0526% | 3,144 |
| Net operating income to assets | 0.7497% | 3,683 |
| Return on assets (ROA) | 0.7600% | 3,734 |
| Pretax return on assets | 1.0821% | 3,305 |
| Return on Equity (ROE) | 8.4359% | 2,852 |
| Retained earnings to average equity (ytd only) | 6.8001% | 1,789 |
| Net charge-offs to loans | -0.0053% | 4,844 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7355% | 4,295 |
| Assets per employee ($millions) | 6.6604% | 995 |
| Cash dividends to net income (ytd only)* | 19.3904% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 1,261 |
| Loan loss allowance to noncurrent loans | 63.2184% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.1103% | 2,134 |
| Noncurrent loans to loans | 2.8492% | 643 |
| Net loans and leases to total assets | 38.2668% | 5,686 |
| Net loans and leases to deposits | 43.9189% | 5,727 |
| Net loans and leases to core deposits | 53.0830% | 5,457 |
| Total domestic deposits to total assets | 87.1306% | 1,965 |
| Equity capital to assets | 8.8524% | 5,438 |
| Core capital (leverage) ratio | 8.8668% | 5,160 |
| Tier 1 risk-based capital ratio | 20.6884% | 1,403 |
| Total risk-based capital ratio | 21.9427% | 1,370 |
| Memoranda: | ||
| Average total assets | $126,663,750 | 3,998 |
| Average earning assets | $121,927,000 | 3,882 |
| Average equity | $11,411,250 | 4,454 |
| Average total loans | $49,942,500 | 4,718 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 4,383 |
| Cost of funding earning assets | 0.7502% | 645 |
| Net interest margin | 2.9573% | 5,323 |
| Noninterest income to average assets | 0.2281% | 5,335 |
| Noninterest expense to average assets | 2.0180% | 5,493 |
| Loan and lease loss provision to assets | 0.0482% | 3,157 |
| Net operating income to assets | 0.7085% | 3,851 |
| Return on assets (ROA) | 0.7198% | 3,913 |
| Pretax return on assets | 1.0218% | 3,490 |
| Return on Equity (ROE) | 7.9402% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.9402% | 1,291 |
| Net charge-offs to loans | -0.0041% | 4,696 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6904% | 4,073 |
| Assets per employee ($millions) | 6.4662% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 1,386 |
| Loan loss allowance to noncurrent loans | 76.1032% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9287% | 2,677 |
| Noncurrent loans to loans | 2.3538% | 994 |
| Net loans and leases to total assets | 38.7479% | 5,703 |
| Net loans and leases to deposits | 44.5755% | 5,740 |
| Net loans and leases to core deposits | 53.7903% | 5,435 |
| Total domestic deposits to total assets | 86.9265% | 2,203 |
| Equity capital to assets | 8.9721% | 5,260 |
| Core capital (leverage) ratio | 9.1466% | 4,758 |
| Tier 1 risk-based capital ratio | 21.7525% | 1,239 |
| Total risk-based capital ratio | 23.0078% | 1,225 |
| Memoranda: | ||
| Average total assets | $124,482,670 | 4,064 |
| Average earning assets | $119,704,000 | 3,950 |
| Average equity | $11,284,330 | 4,512 |
| Average total loans | $49,287,000 | 4,777 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 4,429 |
| Cost of funding earning assets | 0.7603% | 619 |
| Net interest margin | 2.9218% | 5,402 |
| Noninterest income to average assets | 0.2622% | 5,079 |
| Noninterest expense to average assets | 2.0678% | 5,453 |
| Loan and lease loss provision to assets | 0.0655% | 2,627 |
| Net operating income to assets | 0.6652% | 3,978 |
| Return on assets (ROA) | 0.6652% | 4,101 |
| Pretax return on assets | 0.9372% | 3,755 |
| Return on Equity (ROE) | 7.2989% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.2989% | 1,858 |
| Net charge-offs to loans | -0.0083% | 4,643 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3426% | 3,930 |
| Assets per employee ($millions) | 6.2174% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8650% | 1,357 |
| Loan loss allowance to noncurrent loans | 74.6491% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 2,671 |
| Noncurrent loans to loans | 2.4983% | 967 |
| Net loans and leases to total assets | 38.2550% | 5,713 |
| Net loans and leases to deposits | 44.1956% | 5,750 |
| Net loans and leases to core deposits | 54.3907% | 5,348 |
| Total domestic deposits to total assets | 86.5586% | 2,627 |
| Equity capital to assets | 9.1888% | 5,102 |
| Core capital (leverage) ratio | 9.2845% | 4,600 |
| Tier 1 risk-based capital ratio | 22.6047% | 1,154 |
| Total risk-based capital ratio | 23.8536% | 1,144 |
| Memoranda: | ||
| Average total assets | $122,062,500 | 4,144 |
| Average earning assets | $117,324,500 | 4,030 |
| Average equity | $11,125,000 | 4,574 |
| Average total loans | $48,418,500 | 4,832 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 3,884 |
| Cost of funding earning assets | 0.7767% | 736 |
| Net interest margin | 3.1808% | 4,983 |
| Noninterest income to average assets | 0.3538% | 4,575 |
| Noninterest expense to average assets | 2.0753% | 5,626 |
| Loan and lease loss provision to assets | 0.0702% | 3,080 |
| Net operating income to assets | 0.8808% | 2,968 |
| Return on assets (ROA) | 0.8814% | 3,052 |
| Pretax return on assets | 1.2580% | 2,405 |
| Return on Equity (ROE) | 9.7308% | 2,237 |
| Retained earnings to average equity (ytd only) | 8.3933% | 873 |
| Net charge-offs to loans | 0.0566% | 3,699 |
| Credit loss provision to net charge-offs | 307.6923% | 845 |
| Earnings coverage of net charge-offs (x) | 58.1538% | 810 |
| Efficiency ratio | 60.9907% | 5,072 |
| Assets per employee ($millions) | 5.9889% | 1,385 |
| Cash dividends to net income (ytd only)* | 13.7450% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 1,481 |
| Loan loss allowance to noncurrent loans | 72.9149% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.0110% | 2,731 |
| Noncurrent loans to loans | 2.5039% | 1,013 |
| Net loans and leases to total assets | 39.6408% | 5,770 |
| Net loans and leases to deposits | 45.7838% | 5,802 |
| Net loans and leases to core deposits | 57.3054% | 5,290 |
| Total domestic deposits to total assets | 86.5827% | 2,520 |
| Equity capital to assets | 9.0367% | 5,245 |
| Core capital (leverage) ratio | 9.0538% | 4,899 |
| Tier 1 risk-based capital ratio | 21.6140% | 1,289 |
| Total risk-based capital ratio | 22.8717% | 1,265 |
| Memoranda: | ||
| Average total assets | $113,913,400 | 4,303 |
| Average earning assets | $109,185,200 | 4,200 |
| Average equity | $10,317,800 | 4,688 |
| Average total loans | $45,910,600 | 4,960 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 3,781 |
| Cost of funding earning assets | 0.7695% | 799 |
| Net interest margin | 3.2255% | 4,875 |
| Noninterest income to average assets | 0.3759% | 4,426 |
| Noninterest expense to average assets | 2.0916% | 5,590 |
| Loan and lease loss provision to assets | 0.0771% | 2,800 |
| Net operating income to assets | 0.9059% | 2,886 |
| Return on assets (ROA) | 0.9059% | 2,978 |
| Pretax return on assets | 1.2936% | 2,398 |
| Return on Equity (ROE) | 9.9952% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.9952% | 711 |
| Net charge-offs to loans | 0.0765% | 3,106 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 44.4560% | 1,054 |
| Efficiency ratio | 60.4110% | 5,125 |
| Assets per employee ($millions) | 6.6801% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 1,580 |
| Loan loss allowance to noncurrent loans | 92.9260% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8216% | 3,367 |
| Noncurrent loans to loans | 1.9882% | 1,599 |
| Net loans and leases to total assets | 40.5593% | 5,784 |
| Net loans and leases to deposits | 47.9782% | 5,762 |
| Net loans and leases to core deposits | 60.2186% | 5,175 |
| Total domestic deposits to total assets | 84.5371% | 3,531 |
| Equity capital to assets | 9.4415% | 4,871 |
| Core capital (leverage) ratio | 9.3222% | 4,614 |
| Tier 1 risk-based capital ratio | 21.6198% | 1,320 |
| Total risk-based capital ratio | 22.8776% | 1,301 |
| Memoranda: | ||
| Average total assets | $112,447,250 | 4,371 |
| Average earning assets | $107,598,000 | 4,274 |
| Average equity | $10,191,250 | 4,746 |
| Average total loans | $45,297,250 | 5,034 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 3,660 |
| Cost of funding earning assets | 0.7719% | 822 |
| Net interest margin | 3.2461% | 4,794 |
| Noninterest income to average assets | 0.3962% | 4,269 |
| Noninterest expense to average assets | 2.1200% | 5,588 |
| Loan and lease loss provision to assets | 0.0892% | 2,538 |
| Net operating income to assets | 0.9065% | 2,772 |
| Return on assets (ROA) | 0.9065% | 2,873 |
| Pretax return on assets | 1.2938% | 2,273 |
| Return on Equity (ROE) | 10.1455% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.1455% | 689 |
| Net charge-offs to loans | -0.0045% | 5,156 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5196% | 5,219 |
| Assets per employee ($millions) | 5.5883% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 1,511 |
| Loan loss allowance to noncurrent loans | 100.8018% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 3,624 |
| Noncurrent loans to loans | 1.9146% | 1,780 |
| Net loans and leases to total assets | 40.0089% | 5,817 |
| Net loans and leases to deposits | 46.5462% | 5,851 |
| Net loans and leases to core deposits | 58.5901% | 5,227 |
| Total domestic deposits to total assets | 85.9554% | 3,061 |
| Equity capital to assets | 9.3643% | 4,888 |
| Core capital (leverage) ratio | 9.1531% | 4,815 |
| Tier 1 risk-based capital ratio | 21.2706% | 1,394 |
| Total risk-based capital ratio | 22.5264% | 1,366 |
| Memoranda: | ||
| Average total assets | $112,075,670 | 4,412 |
| Average earning assets | $107,267,330 | 4,301 |
| Average equity | $10,014,330 | 4,805 |
| Average total loans | $44,754,000 | 5,088 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 3,602 |
| Cost of funding earning assets | 0.7752% | 859 |
| Net interest margin | 3.2460% | 4,752 |
| Noninterest income to average assets | 0.2174% | 5,616 |
| Noninterest expense to average assets | 2.1242% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8447% | 2,931 |
| Return on assets (ROA) | 0.8447% | 3,007 |
| Pretax return on assets | 1.1975% | 2,494 |
| Return on Equity (ROE) | 9.6848% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.6848% | 1,052 |
| Net charge-offs to loans | -0.0090% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9485% | 4,867 |
| Assets per employee ($millions) | 6.6309% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 1,941 |
| Loan loss allowance to noncurrent loans | 104.2714% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 3,993 |
| Noncurrent loans to loans | 1.7609% | 2,191 |
| Net loans and leases to total assets | 39.3636% | 5,853 |
| Net loans and leases to deposits | 45.6043% | 5,878 |
| Net loans and leases to core deposits | 55.3597% | 5,406 |
| Total domestic deposits to total assets | 86.3155% | 3,202 |
| Equity capital to assets | 8.8019% | 5,334 |
| Core capital (leverage) ratio | 8.7889% | 5,278 |
| Tier 1 risk-based capital ratio | 20.8258% | 1,507 |
| Total risk-based capital ratio | 22.0839% | 1,482 |
| Memoranda: | ||
| Average total assets | $112,231,000 | 4,440 |
| Average earning assets | $107,330,500 | 4,336 |
| Average equity | $9,788,500 | 4,874 |
| Average total loans | $44,333,000 | 5,152 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 4,348 |
| Cost of funding earning assets | 0.8003% | 1,207 |
| Net interest margin | 3.1307% | 5,223 |
| Noninterest income to average assets | 0.3102% | 5,117 |
| Noninterest expense to average assets | 2.0984% | 5,834 |
| Loan and lease loss provision to assets | 0.0469% | 4,185 |
| Net operating income to assets | 0.8159% | 3,213 |
| Return on assets (ROA) | 0.8173% | 3,302 |
| Pretax return on assets | 1.1622% | 2,724 |
| Return on Equity (ROE) | 9.4225% | 2,360 |
| Retained earnings to average equity (ytd only) | 8.1583% | 1,004 |
| Net charge-offs to loans | -0.0073% | 5,982 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4817% | 4,990 |
| Assets per employee ($millions) | 6.2076% | 1,140 |
| Cash dividends to net income (ytd only)* | 13.4174% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 1,767 |
| Loan loss allowance to noncurrent loans | 103.7547% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 4,100 |
| Noncurrent loans to loans | 1.8383% | 2,185 |
| Net loans and leases to total assets | 38.1560% | 6,080 |
| Net loans and leases to deposits | 44.0721% | 6,117 |
| Net loans and leases to core deposits | 54.6247% | 5,636 |
| Total domestic deposits to total assets | 86.5764% | 2,956 |
| Equity capital to assets | 8.6409% | 5,434 |
| Core capital (leverage) ratio | 8.6477% | 5,481 |
| Tier 1 risk-based capital ratio | 20.9074% | 1,437 |
| Total risk-based capital ratio | 22.1645% | 1,417 |
| Memoranda: | ||
| Average total assets | $106,698,600 | 4,572 |
| Average earning assets | $102,085,600 | 4,458 |
| Average equity | $9,254,400 | 5,029 |
| Average total loans | $41,347,000 | 5,292 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 4,571 |
| Cost of funding earning assets | 0.8070% | 1,285 |
| Net interest margin | 3.0744% | 5,387 |
| Noninterest income to average assets | 0.3364% | 5,004 |
| Noninterest expense to average assets | 2.0928% | 5,845 |
| Loan and lease loss provision to assets | 0.0379% | 4,250 |
| Net operating income to assets | 0.8046% | 3,324 |
| Return on assets (ROA) | 0.8055% | 3,451 |
| Pretax return on assets | 1.1457% | 2,915 |
| Return on Equity (ROE) | 9.2778% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.2778% | 975 |
| Net charge-offs to loans | -0.0065% | 5,821 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8996% | 4,812 |
| Assets per employee ($millions) | 6.0219% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 1,884 |
| Loan loss allowance to noncurrent loans | 92.2374% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 4,083 |
| Noncurrent loans to loans | 2.1040% | 2,125 |
| Net loans and leases to total assets | 37.6654% | 6,187 |
| Net loans and leases to deposits | 43.6503% | 6,221 |
| Net loans and leases to core deposits | 53.1159% | 5,822 |
| Total domestic deposits to total assets | 86.2889% | 3,085 |
| Equity capital to assets | 8.7477% | 5,472 |
| Core capital (leverage) ratio | 8.8274% | 5,366 |
| Tier 1 risk-based capital ratio | 20.5612% | 1,590 |
| Total risk-based capital ratio | 21.8157% | 1,560 |
| Memoranda: | ||
| Average total assets | $105,439,250 | 4,655 |
| Average earning assets | $100,787,500 | 4,533 |
| Average equity | $9,154,250 | 5,101 |
| Average total loans | $40,818,000 | 5,361 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 4,694 |
| Cost of funding earning assets | 0.7976% | 1,429 |
| Net interest margin | 3.0423% | 5,456 |
| Noninterest income to average assets | 0.3485% | 4,902 |
| Noninterest expense to average assets | 2.1062% | 5,858 |
| Loan and lease loss provision to assets | 0.0574% | 3,855 |
| Net operating income to assets | 0.7569% | 3,528 |
| Return on assets (ROA) | 0.7582% | 3,674 |
| Pretax return on assets | 1.0933% | 3,116 |
| Return on Equity (ROE) | 8.7562% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.7562% | 1,197 |
| Net charge-offs to loans | 0.1036% | 3,323 |
| Credit loss provision to net charge-offs | 142.8571% | 1,591 |
| Earnings coverage of net charge-offs (x) | 28.5714% | 1,182 |
| Efficiency ratio | 64.7059% | 4,755 |
| Assets per employee ($millions) | 5.4504% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8925% | 2,132 |
| Loan loss allowance to noncurrent loans | 102.8834% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 4,373 |
| Noncurrent loans to loans | 1.8394% | 2,582 |
| Net loans and leases to total assets | 39.2972% | 6,091 |
| Net loans and leases to deposits | 46.0669% | 6,100 |
| Net loans and leases to core deposits | 54.4211% | 5,718 |
| Total domestic deposits to total assets | 85.3047% | 3,739 |
| Equity capital to assets | 8.9130% | 5,309 |
| Core capital (leverage) ratio | 8.5159% | 5,653 |
| Tier 1 risk-based capital ratio | 20.4152% | 1,628 |
| Total risk-based capital ratio | 21.6712% | 1,599 |
| Memoranda: | ||
| Average total assets | $104,454,330 | 4,716 |
| Average earning assets | $99,794,000 | 4,589 |
| Average equity | $9,045,000 | 5,161 |
| Average total loans | $40,545,670 | 5,403 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,923 |
| Cost of funding earning assets | 0.7995% | 1,530 |
| Net interest margin | 2.9700% | 5,655 |
| Noninterest income to average assets | 0.3470% | 4,907 |
| Noninterest expense to average assets | 2.0743% | 5,966 |
| Loan and lease loss provision to assets | 0.0763% | 3,359 |
| Net operating income to assets | 0.7218% | 3,581 |
| Return on assets (ROA) | 0.7245% | 3,704 |
| Pretax return on assets | 1.0333% | 3,213 |
| Return on Equity (ROE) | 8.4892% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.4892% | 1,565 |
| Net charge-offs to loans | -0.0100% | 5,438 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2278% | 4,790 |
| Assets per employee ($millions) | 5.9291% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0033% | 2,036 |
| Loan loss allowance to noncurrent loans | 101.5287% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7355% | 4,532 |
| Noncurrent loans to loans | 1.9732% | 2,646 |
| Net loans and leases to total assets | 36.5310% | 6,258 |
| Net loans and leases to deposits | 42.2417% | 6,303 |
| Net loans and leases to core deposits | 52.1523% | 5,812 |
| Total domestic deposits to total assets | 86.4809% | 3,248 |
| Equity capital to assets | 8.5614% | 5,949 |
| Core capital (leverage) ratio | 8.5554% | 5,503 |
| Tier 1 risk-based capital ratio | 20.3329% | 1,691 |
| Total risk-based capital ratio | 21.5876% | 1,663 |
| Memoranda: | ||
| Average total assets | $104,903,000 | 4,747 |
| Average earning assets | $100,067,000 | 4,622 |
| Average equity | $8,952,500 | 5,229 |
| Average total loans | $40,078,500 | 5,459 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 4,794 |
| Cost of funding earning assets | 0.9994% | 1,365 |
| Net interest margin | 3.1432% | 5,714 |
| Noninterest income to average assets | 0.2638% | 5,574 |
| Noninterest expense to average assets | 2.1814% | 5,958 |
| Loan and lease loss provision to assets | 0.1679% | 3,518 |
| Net operating income to assets | 0.6457% | 4,014 |
| Return on assets (ROA) | 0.7153% | 3,923 |
| Pretax return on assets | 1.0324% | 3,422 |
| Return on Equity (ROE) | 8.5251% | 2,855 |
| Retained earnings to average equity (ytd only) | 7.5948% | 1,285 |
| Net charge-offs to loans | 0.6979% | 1,694 |
| Credit loss provision to net charge-offs | 65.1341% | 4,316 |
| Earnings coverage of net charge-offs (x) | 4.2644% | 3,425 |
| Efficiency ratio | 66.4860% | 4,415 |
| Assets per employee ($millions) | 5.7268% | 1,494 |
| Cash dividends to net income (ytd only)* | 10.9116% | 4,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,225 |
| Loan loss allowance to noncurrent loans | 98.8535% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 4,566 |
| Noncurrent loans to loans | 1.9444% | 2,752 |
| Net loans and leases to total assets | 38.4127% | 6,270 |
| Net loans and leases to deposits | 44.4840% | 6,342 |
| Net loans and leases to core deposits | 55.5443% | 5,751 |
| Total domestic deposits to total assets | 86.3518% | 3,178 |
| Equity capital to assets | 8.5058% | 6,049 |
| Core capital (leverage) ratio | 8.2245% | 5,972 |
| Tier 1 risk-based capital ratio | 19.6244% | 1,778 |
| Total risk-based capital ratio | 20.8506% | 1,752 |
| Memoranda: | ||
| Average total assets | $101,221,200 | 4,801 |
| Average earning assets | $97,160,600 | 4,661 |
| Average equity | $8,492,600 | 5,363 |
| Average total loans | $37,395,600 | 5,615 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 4,869 |
| Cost of funding earning assets | 1.0533% | 1,266 |
| Net interest margin | 3.1324% | 5,860 |
| Noninterest income to average assets | 0.2289% | 5,910 |
| Noninterest expense to average assets | 2.2139% | 5,924 |
| Loan and lease loss provision to assets | 0.2051% | 3,023 |
| Net operating income to assets | 0.5718% | 4,513 |
| Return on assets (ROA) | 0.6577% | 4,371 |
| Pretax return on assets | 0.9488% | 3,922 |
| Return on Equity (ROE) | 7.8664% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.8664% | 1,676 |
| Net charge-offs to loans | 0.9567% | 1,122 |
| Credit loss provision to net charge-offs | 58.9354% | 4,176 |
| Earnings coverage of net charge-offs (x) | 2.9582% | 3,842 |
| Efficiency ratio | 68.2579% | 4,007 |
| Assets per employee ($millions) | 5.4158% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9562% | 2,304 |
| Loan loss allowance to noncurrent loans | 70.4735% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 4,205 |
| Noncurrent loans to loans | 2.7758% | 2,027 |
| Net loans and leases to total assets | 36.9685% | 6,484 |
| Net loans and leases to deposits | 42.8071% | 6,561 |
| Net loans and leases to core deposits | 55.7582% | 5,911 |
| Total domestic deposits to total assets | 86.3607% | 3,056 |
| Equity capital to assets | 8.4197% | 6,332 |
| Core capital (leverage) ratio | 8.4154% | 5,880 |
| Tier 1 risk-based capital ratio | 19.9164% | 1,781 |
| Total risk-based capital ratio | 21.1732% | 1,758 |
| Memoranda: | ||
| Average total assets | $100,755,750 | 4,862 |
| Average earning assets | $96,962,750 | 4,714 |
| Average equity | $8,423,750 | 5,432 |
| Average total loans | $36,651,250 | 5,722 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 4,624 |
| Cost of funding earning assets | 1.1037% | 1,208 |
| Net interest margin | 3.1826% | 5,793 |
| Noninterest income to average assets | 0.2059% | 6,089 |
| Noninterest expense to average assets | 2.1951% | 6,023 |
| Loan and lease loss provision to assets | 0.2299% | 2,772 |
| Net operating income to assets | 0.5886% | 4,416 |
| Return on assets (ROA) | 0.6617% | 4,315 |
| Pretax return on assets | 0.9596% | 3,850 |
| Return on Equity (ROE) | 7.9342% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.9342% | 1,663 |
| Net charge-offs to loans | 1.1743% | 923 |
| Credit loss provision to net charge-offs | 54.5024% | 3,941 |
| Earnings coverage of net charge-offs (x) | 2.5687% | 3,727 |
| Efficiency ratio | 66.9512% | 4,327 |
| Assets per employee ($millions) | 5.3706% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 2,162 |
| Loan loss allowance to noncurrent loans | 77.8002% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 4,431 |
| Noncurrent loans to loans | 2.6049% | 2,306 |
| Net loans and leases to total assets | 36.5271% | 6,581 |
| Net loans and leases to deposits | 42.2228% | 6,634 |
| Net loans and leases to core deposits | 57.9809% | 5,775 |
| Total domestic deposits to total assets | 86.5105% | 3,065 |
| Equity capital to assets | 8.3191% | 6,362 |
| Core capital (leverage) ratio | 8.0744% | 6,188 |
| Tier 1 risk-based capital ratio | 20.6332% | 1,543 |
| Total risk-based capital ratio | 21.8915% | 1,523 |
| Memoranda: | ||
| Average total assets | $100,040,670 | 4,897 |
| Average earning assets | $96,588,330 | 4,744 |
| Average equity | $8,343,670 | 5,466 |
| Average total loans | $35,935,000 | 5,788 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 4,529 |
| Cost of funding earning assets | 1.1088% | 1,353 |
| Net interest margin | 3.2386% | 5,672 |
| Noninterest income to average assets | 0.1817% | 6,292 |
| Noninterest expense to average assets | 2.0194% | 6,427 |
| Loan and lease loss provision to assets | 0.3433% | 1,822 |
| Net operating income to assets | 0.6501% | 4,119 |
| Return on assets (ROA) | 0.6947% | 4,132 |
| Pretax return on assets | 1.0097% | 3,644 |
| Return on Equity (ROE) | 8.3182% | 3,133 |
| Retained earnings to average equity (ytd only) | 8.3182% | 1,853 |
| Net charge-offs to loans | 2.4197% | 347 |
| Credit loss provision to net charge-offs | 40.2844% | 3,447 |
| Earnings coverage of net charge-offs (x) | 1.5118% | 3,570 |
| Efficiency ratio | 61.0501% | 5,447 |
| Assets per employee ($millions) | 5.9749% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1020% | 2,099 |
| Loan loss allowance to noncurrent loans | 46.9582% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.5536% | 3,531 |
| Noncurrent loans to loans | 4.4763% | 1,311 |
| Net loans and leases to total assets | 33.9765% | 6,742 |
| Net loans and leases to deposits | 40.4664% | 6,718 |
| Net loans and leases to core deposits | 56.2793% | 5,884 |
| Total domestic deposits to total assets | 83.9623% | 4,508 |
| Equity capital to assets | 8.2423% | 6,324 |
| Core capital (leverage) ratio | 8.3798% | 5,762 |
| Tier 1 risk-based capital ratio | 22.7184% | 1,169 |
| Total risk-based capital ratio | 23.9993% | 1,145 |
| Memoranda: | ||
| Average total assets | $99,040,000 | 4,957 |
| Average earning assets | $95,598,000 | 4,800 |
| Average equity | $8,271,000 | 5,507 |
| Average total loans | $34,880,500 | 5,876 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 4,660 |
| Cost of funding earning assets | 1.2605% | 1,677 |
| Net interest margin | 3.3445% | 5,668 |
| Noninterest income to average assets | 0.1637% | 6,321 |
| Noninterest expense to average assets | 2.0875% | 6,515 |
| Loan and lease loss provision to assets | 0.2783% | 3,439 |
| Net operating income to assets | 0.7004% | 3,488 |
| Return on assets (ROA) | 0.7337% | 3,500 |
| Pretax return on assets | 1.0755% | 2,929 |
| Return on Equity (ROE) | 8.4241% | 2,706 |
| Retained earnings to average equity (ytd only) | 6.3660% | 1,823 |
| Net charge-offs to loans | 0.2619% | 4,134 |
| Credit loss provision to net charge-offs | 287.3563% | 824 |
| Earnings coverage of net charge-offs (x) | 13.4713% | 1,539 |
| Efficiency ratio | 61.5359% | 5,531 |
| Assets per employee ($millions) | 6.0317% | 1,212 |
| Cash dividends to net income (ytd only)* | 24.4310% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5124% | 1,301 |
| Loan loss allowance to noncurrent loans | 54.6314% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 3,489 |
| Noncurrent loans to loans | 4.5988% | 1,296 |
| Net loans and leases to total assets | 34.8596% | 6,824 |
| Net loans and leases to deposits | 40.5540% | 6,852 |
| Net loans and leases to core deposits | 58.3242% | 5,982 |
| Total domestic deposits to total assets | 85.9585% | 3,344 |
| Equity capital to assets | 8.4657% | 6,185 |
| Core capital (leverage) ratio | 8.3005% | 5,855 |
| Tier 1 risk-based capital ratio | 23.3358% | 1,059 |
| Total risk-based capital ratio | 24.6299% | 1,031 |
| Memoranda: | ||
| Average total assets | $89,820,600 | 5,187 |
| Average earning assets | $86,710,600 | 5,036 |
| Average equity | $7,822,800 | 5,624 |
| Average total loans | $33,212,800 | 5,997 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 4,378 |
| Cost of funding earning assets | 1.2863% | 1,779 |
| Net interest margin | 3.4297% | 5,467 |
| Noninterest income to average assets | 0.1271% | 6,618 |
| Noninterest expense to average assets | 2.2582% | 6,154 |
| Loan and lease loss provision to assets | 0.3403% | 2,843 |
| Net operating income to assets | 0.5740% | 4,201 |
| Return on assets (ROA) | 0.6111% | 4,222 |
| Pretax return on assets | 0.8939% | 3,790 |
| Return on Equity (ROE) | 6.9629% | 3,542 |
| Retained earnings to average equity (ytd only) | 5.6013% | 2,788 |
| Net charge-offs to loans | 0.3567% | 3,308 |
| Credit loss provision to net charge-offs | 255.6818% | 1,118 |
| Earnings coverage of net charge-offs (x) | 8.8636% | 2,116 |
| Efficiency ratio | 65.6841% | 4,778 |
| Assets per employee ($millions) | 5.7106% | 1,418 |
| Cash dividends to net income (ytd only)* | 19.5544% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4435% | 1,473 |
| Loan loss allowance to noncurrent loans | 115.6593% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 5,174 |
| Noncurrent loans to loans | 2.1127% | 3,228 |
| Net loans and leases to total assets | 36.7926% | 6,833 |
| Net loans and leases to deposits | 43.0766% | 6,873 |
| Net loans and leases to core deposits | 63.9350% | 5,623 |
| Total domestic deposits to total assets | 85.4119% | 3,546 |
| Equity capital to assets | 8.7874% | 5,992 |
| Core capital (leverage) ratio | 8.4309% | 5,804 |
| Tier 1 risk-based capital ratio | 22.6755% | 1,190 |
| Total risk-based capital ratio | 23.9434% | 1,165 |
| Memoranda: | ||
| Average total assets | $88,149,000 | 5,264 |
| Average earning assets | $85,097,000 | 5,117 |
| Average equity | $7,736,000 | 5,682 |
| Average total loans | $32,888,750 | 6,080 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 4,266 |
| Cost of funding earning assets | 1.3113% | 1,871 |
| Net interest margin | 3.4438% | 5,391 |
| Noninterest income to average assets | 0.1194% | 6,734 |
| Noninterest expense to average assets | 2.3129% | 6,088 |
| Loan and lease loss provision to assets | 0.3445% | 2,717 |
| Net operating income to assets | 0.7855% | 3,135 |
| Return on assets (ROA) | 0.8636% | 2,891 |
| Pretax return on assets | 0.8636% | 3,784 |
| Return on Equity (ROE) | 9.8451% | 2,174 |
| Retained earnings to average equity (ytd only) | 7.7766% | 1,540 |
| Net charge-offs to loans | 0.4882% | 2,638 |
| Credit loss provision to net charge-offs | 189.8734% | 1,593 |
| Earnings coverage of net charge-offs (x) | 6.2278% | 2,439 |
| Efficiency ratio | 67.1781% | 4,667 |
| Assets per employee ($millions) | 5.4939% | 1,572 |
| Cash dividends to net income (ytd only)* | 21.0106% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3322% | 1,697 |
| Loan loss allowance to noncurrent loans | 19,375.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 7,124 |
| Noncurrent loans to loans | 0.0120% | 6,979 |
| Net loans and leases to total assets | 36.9225% | 6,915 |
| Net loans and leases to deposits | 44.0781% | 6,920 |
| Net loans and leases to core deposits | 62.0253% | 5,895 |
| Total domestic deposits to total assets | 83.7662% | 4,444 |
| Equity capital to assets | 9.0179% | 5,557 |
| Core capital (leverage) ratio | 8.9052% | 4,870 |
| Tier 1 risk-based capital ratio | 23.6329% | 1,046 |
| Total risk-based capital ratio | 24.9255% | 1,026 |
| Memoranda: | ||
| Average total assets | $87,075,670 | 5,342 |
| Average earning assets | $84,036,000 | 5,197 |
| Average equity | $7,638,330 | 5,723 |
| Average total loans | $32,365,330 | 6,172 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 4,989 |
| Cost of funding earning assets | 1.3356% | 1,978 |
| Net interest margin | 3.2553% | 5,909 |
| Noninterest income to average assets | 0.0785% | 7,002 |
| Noninterest expense to average assets | 2.3724% | 5,972 |
| Loan and lease loss provision to assets | 0.3462% | 2,489 |
| Net operating income to assets | 0.4985% | 4,496 |
| Return on assets (ROA) | 0.5539% | 4,342 |
| Pretax return on assets | 0.5539% | 4,850 |
| Return on Equity (ROE) | 6.4051% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.4051% | 2,419 |
| Net charge-offs to loans | 0.7015% | 1,813 |
| Credit loss provision to net charge-offs | 133.9286% | 2,068 |
| Earnings coverage of net charge-offs (x) | 3.2679% | 2,798 |
| Efficiency ratio | 73.7446% | 3,558 |
| Assets per employee ($millions) | 5.3001% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2823% | 1,794 |
| Loan loss allowance to noncurrent loans | 1,446.0000% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 7,012 |
| Noncurrent loans to loans | 0.1578% | 6,660 |
| Net loans and leases to total assets | 36.5039% | 6,981 |
| Net loans and leases to deposits | 42.9390% | 6,990 |
| Net loans and leases to core deposits | 62.9315% | 5,834 |
| Total domestic deposits to total assets | 85.0133% | 4,024 |
| Equity capital to assets | 8.9503% | 5,284 |
| Core capital (leverage) ratio | 8.7109% | 5,073 |
| Tier 1 risk-based capital ratio | 22.9801% | 1,084 |
| Total risk-based capital ratio | 24.2326% | 1,071 |
| Memoranda: | ||
| Average total assets | $86,662,000 | 5,389 |
| Average earning assets | $83,555,000 | 5,248 |
| Average equity | $7,494,000 | 5,777 |
| Average total loans | $31,932,500 | 6,245 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 5,020 |
| Cost of funding earning assets | 1.5829% | 2,173 |
| Net interest margin | 3.3200% | 5,908 |
| Noninterest income to average assets | 0.1101% | 6,848 |
| Noninterest expense to average assets | 2.4593% | 5,917 |
| Loan and lease loss provision to assets | 0.2849% | 4,519 |
| Net operating income to assets | 0.5039% | 4,082 |
| Return on assets (ROA) | 0.4882% | 4,314 |
| Pretax return on assets | 0.5271% | 4,533 |
| Return on Equity (ROE) | 5.6125% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.6125% | 2,048 |
| Net charge-offs to loans | 0.0546% | 6,243 |
| Credit loss provision to net charge-offs | 1,375.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 583 |
| Efficiency ratio | 74.7932% | 3,237 |
| Assets per employee ($millions) | 5.9015% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1842% | 1,898 |
| Loan loss allowance to noncurrent loans | 580.9917% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 6,893 |
| Noncurrent loans to loans | 0.3759% | 6,298 |
| Net loans and leases to total assets | 35.5652% | 7,177 |
| Net loans and leases to deposits | 41.4108% | 7,210 |
| Net loans and leases to core deposits | 62.9584% | 6,157 |
| Total domestic deposits to total assets | 85.8837% | 3,421 |
| Equity capital to assets | 8.3572% | 6,063 |
| Core capital (leverage) ratio | 8.4467% | 5,455 |
| Tier 1 risk-based capital ratio | 21.9133% | 1,190 |
| Total risk-based capital ratio | 23.2018% | 1,157 |
| Memoranda: | ||
| Average total assets | $77,217,800 | 5,673 |
| Average earning assets | $73,916,000 | 5,544 |
| Average equity | $6,717,200 | 6,129 |
| Average total loans | $29,280,400 | 6,435 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 4,750 |
| Cost of funding earning assets | 1.6291% | 2,224 |
| Net interest margin | 3.3839% | 5,735 |
| Noninterest income to average assets | 0.1237% | 6,932 |
| Noninterest expense to average assets | 2.4662% | 5,832 |
| Loan and lease loss provision to assets | 0.2778% | 4,355 |
| Net operating income to assets | 0.5761% | 3,975 |
| Return on assets (ROA) | 0.5879% | 4,090 |
| Pretax return on assets | 0.6237% | 4,517 |
| Return on Equity (ROE) | 6.6797% | 3,493 |
| Retained earnings to average equity (ytd only) | 6.6797% | 1,995 |
| Net charge-offs to loans | 0.0747% | 5,773 |
| Credit loss provision to net charge-offs | 968.7500% | 301 |
| Earnings coverage of net charge-offs (x) | 31.0042% | 862 |
| Efficiency ratio | 73.5043% | 3,415 |
| Assets per employee ($millions) | 5.8779% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0723% | 2,066 |
| Loan loss allowance to noncurrent loans | 373.6842% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 6,799 |
| Noncurrent loans to loans | 0.5545% | 6,092 |
| Net loans and leases to total assets | 39.5181% | 7,101 |
| Net loans and leases to deposits | 47.6737% | 7,101 |
| Net loans and leases to core deposits | 74.3292% | 5,253 |
| Total domestic deposits to total assets | 82.8930% | 4,632 |
| Equity capital to assets | 9.3714% | 5,024 |
| Core capital (leverage) ratio | 9.2960% | 4,219 |
| Tier 1 risk-based capital ratio | 22.3674% | 1,153 |
| Total risk-based capital ratio | 23.6584% | 1,119 |
| Memoranda: | ||
| Average total assets | $74,391,750 | 5,823 |
| Average earning assets | $71,040,500 | 5,701 |
| Average equity | $6,547,000 | 6,263 |
| Average total loans | $28,554,000 | 6,556 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 4,808 |
| Cost of funding earning assets | 1.6676% | 2,302 |
| Net interest margin | 3.3609% | 5,795 |
| Noninterest income to average assets | 0.1275% | 6,957 |
| Noninterest expense to average assets | 2.5123% | 5,674 |
| Loan and lease loss provision to assets | 0.2713% | 4,221 |
| Net operating income to assets | 0.5480% | 4,105 |
| Return on assets (ROA) | 0.5725% | 4,125 |
| Pretax return on assets | 0.5725% | 4,659 |
| Return on Equity (ROE) | 6.6537% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.6537% | 1,990 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4072% | 3,180 |
| Assets per employee ($millions) | 4.9193% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 2,188 |
| Loan loss allowance to noncurrent loans | 855.7143% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 7,161 |
| Noncurrent loans to loans | 0.2334% | 6,770 |
| Net loans and leases to total assets | 39.8325% | 7,172 |
| Net loans and leases to deposits | 46.9311% | 7,211 |
| Net loans and leases to core deposits | 71.6948% | 5,703 |
| Total domestic deposits to total assets | 84.8744% | 3,697 |
| Equity capital to assets | 9.0000% | 5,449 |
| Core capital (leverage) ratio | 8.8523% | 4,832 |
| Tier 1 risk-based capital ratio | 20.8034% | 1,374 |
| Total risk-based capital ratio | 22.0749% | 1,342 |
| Memoranda: | ||
| Average total assets | $73,718,000 | 5,883 |
| Average earning assets | $70,279,330 | 5,761 |
| Average equity | $6,342,330 | 6,357 |
| Average total loans | $27,793,330 | 6,646 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 6,102 |
| Cost of funding earning assets | 1.7325% | 2,218 |
| Net interest margin | 3.0106% | 6,808 |
| Noninterest income to average assets | 0.0923% | 7,249 |
| Noninterest expense to average assets | 2.3615% | 6,207 |
| Loan and lease loss provision to assets | 0.2171% | 4,330 |
| Net operating income to assets | 0.3909% | 4,876 |
| Return on assets (ROA) | 0.4397% | 4,792 |
| Pretax return on assets | 0.4397% | 5,165 |
| Return on Equity (ROE) | 5.2317% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.2317% | 3,024 |
| Net charge-offs to loans | -0.0150% | 6,996 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5247% | 2,643 |
| Assets per employee ($millions) | 4.9999% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 2,400 |
| Loan loss allowance to noncurrent loans | 675.0000% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 7,211 |
| Noncurrent loans to loans | 0.2836% | 6,755 |
| Net loans and leases to total assets | 36.8903% | 7,395 |
| Net loans and leases to deposits | 41.3045% | 7,476 |
| Net loans and leases to core deposits | 61.4235% | 6,646 |
| Total domestic deposits to total assets | 89.3130% | 1,357 |
| Equity capital to assets | 8.3802% | 6,186 |
| Core capital (leverage) ratio | 8.4944% | 5,385 |
| Tier 1 risk-based capital ratio | 21.2439% | 1,303 |
| Total risk-based capital ratio | 22.5364% | 1,271 |
| Memoranda: | ||
| Average total assets | $73,682,500 | 5,949 |
| Average earning assets | $70,418,500 | 5,834 |
| Average equity | $6,193,000 | 6,457 |
| Average total loans | $26,694,500 | 6,794 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4658% | 4,354 |
| Cost of funding earning assets | 2.4264% | 1,224 |
| Net interest margin | 3.0393% | 6,545 |
| Noninterest income to average assets | 0.1446% | 7,019 |
| Noninterest expense to average assets | 2.3652% | 6,562 |
| Loan and lease loss provision to assets | 0.5166% | 3,791 |
| Net operating income to assets | 0.1637% | 5,012 |
| Return on assets (ROA) | 0.2337% | 4,858 |
| Pretax return on assets | 0.2337% | 4,930 |
| Return on Equity (ROE) | 2.5642% | 4,680 |
| Retained earnings to average equity (ytd only) | 2.5642% | 3,352 |
| Net charge-offs to loans | 0.3130% | 4,674 |
| Credit loss provision to net charge-offs | 427.6316% | 730 |
| Earnings coverage of net charge-offs (x) | 5.6316% | 2,539 |
| Efficiency ratio | 77.6618% | 3,249 |
| Assets per employee ($millions) | 4.5229% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 2,075 |
| Loan loss allowance to noncurrent loans | 941.5094% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 7,311 |
| Noncurrent loans to loans | 0.2105% | 6,901 |
| Net loans and leases to total assets | 34.1081% | 7,589 |
| Net loans and leases to deposits | 37.3300% | 7,696 |
| Net loans and leases to core deposits | 45.8911% | 7,667 |
| Total domestic deposits to total assets | 91.3690% | 411 |
| Equity capital to assets | 8.4306% | 6,006 |
| Core capital (leverage) ratio | 8.1135% | 5,968 |
| Tier 1 risk-based capital ratio | 22.9479% | 1,046 |
| Total risk-based capital ratio | 24.2028% | 1,024 |
| Memoranda: | ||
| Average total assets | $62,911,000 | 6,242 |
| Average earning assets | $60,046,600 | 6,125 |
| Average equity | $5,732,800 | 6,703 |
| Average total loans | $24,280,400 | 6,954 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4665% | 4,595 |
| Cost of funding earning assets | 2.5361% | 1,188 |
| Net interest margin | 2.9303% | 6,779 |
| Noninterest income to average assets | 0.1497% | 7,112 |
| Noninterest expense to average assets | 2.3408% | 6,591 |
| Loan and lease loss provision to assets | 0.4955% | 3,419 |
| Net operating income to assets | 0.1123% | 5,428 |
| Return on assets (ROA) | 0.1762% | 5,302 |
| Pretax return on assets | 0.1762% | 5,349 |
| Return on Equity (ROE) | 1.8909% | 5,206 |
| Retained earnings to average equity (ytd only) | 1.8909% | 4,266 |
| Net charge-offs to loans | 0.3880% | 3,711 |
| Credit loss provision to net charge-offs | 321.4286% | 1,278 |
| Earnings coverage of net charge-offs (x) | 3.9429% | 3,325 |
| Efficiency ratio | 79.3876% | 2,939 |
| Assets per employee ($millions) | 5.6882% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 3,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 35.2298% | 7,644 |
| Net loans and leases to deposits | 39.1951% | 7,758 |
| Net loans and leases to core deposits | 49.4420% | 7,700 |
| Total domestic deposits to total assets | 89.8832% | 817 |
| Equity capital to assets | 8.1884% | 6,653 |
| Core capital (leverage) ratio | 8.4332% | 5,608 |
| Tier 1 risk-based capital ratio | 21.3983% | 1,307 |
| Total risk-based capital ratio | 22.6722% | 1,277 |
| Memoranda: | ||
| Average total assets | $60,547,000 | 6,370 |
| Average earning assets | $57,830,000 | 6,266 |
| Average equity | $5,640,750 | 6,799 |
| Average total loans | $24,055,000 | 7,026 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6951% | 3,565 |
| Cost of funding earning assets | 2.5959% | 1,298 |
| Net interest margin | 3.0993% | 6,244 |
| Noninterest income to average assets | 0.1462% | 7,218 |
| Noninterest expense to average assets | 2.3003% | 6,758 |
| Loan and lease loss provision to assets | 0.5349% | 2,891 |
| Net operating income to assets | 0.2532% | 5,072 |
| Return on assets (ROA) | 0.2675% | 5,121 |
| Pretax return on assets | 0.2675% | 5,280 |
| Return on Equity (ROE) | 2.7259% | 5,007 |
| Retained earnings to average equity (ytd only) | 2.7259% | 3,817 |
| Net charge-offs to loans | 0.3354% | 3,498 |
| Credit loss provision to net charge-offs | 384.6154% | 1,204 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,786 |
| Efficiency ratio | 74.4804% | 3,956 |
| Assets per employee ($millions) | 4.9362% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 3,888 |
| Loan loss allowance to noncurrent loans | 305.9322% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 7,076 |
| Noncurrent loans to loans | 0.4476% | 6,402 |
| Net loans and leases to total assets | 40.5152% | 7,524 |
| Net loans and leases to deposits | 46.3358% | 7,626 |
| Net loans and leases to core deposits | 55.8494% | 7,601 |
| Total domestic deposits to total assets | 87.4383% | 2,038 |
| Equity capital to assets | 9.0991% | 5,159 |
| Core capital (leverage) ratio | 9.3932% | 4,034 |
| Tier 1 risk-based capital ratio | 21.2693% | 1,351 |
| Total risk-based capital ratio | 22.5211% | 1,317 |
| Memoranda: | ||
| Average total assets | $56,080,670 | 6,590 |
| Average earning assets | $53,238,330 | 6,505 |
| Average equity | $5,502,670 | 6,899 |
| Average total loans | $23,254,670 | 7,131 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 4,087 |
| Cost of funding earning assets | 2.6431% | 1,438 |
| Net interest margin | 3.0009% | 6,476 |
| Noninterest income to average assets | 0.2537% | 6,433 |
| Noninterest expense to average assets | 2.0601% | 7,213 |
| Loan and lease loss provision to assets | 0.5765% | 2,183 |
| Net operating income to assets | 0.4535% | 4,640 |
| Return on assets (ROA) | 0.4843% | 4,687 |
| Pretax return on assets | 0.4843% | 5,128 |
| Return on Equity (ROE) | 4.7240% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.7240% | 3,284 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 5,200 |
| Assets per employee ($millions) | 5.0508% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 3,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 38.5784% | 7,639 |
| Net loans and leases to deposits | 43.9156% | 7,727 |
| Net loans and leases to core deposits | 51.4580% | 7,743 |
| Total domestic deposits to total assets | 87.8467% | 1,822 |
| Equity capital to assets | 8.8997% | 5,479 |
| Core capital (leverage) ratio | 9.8236% | 3,612 |
| Tier 1 risk-based capital ratio | 18.8104% | 1,857 |
| Total risk-based capital ratio | 19.9612% | 1,834 |
| Memoranda: | ||
| Average total assets | $52,035,500 | 6,780 |
| Average earning assets | $49,185,500 | 6,701 |
| Average equity | $5,334,500 | 6,991 |
| Average total loans | $21,702,000 | 7,263 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0123% | 5,491 |
| Cost of funding earning assets | 2.9641% | 2,012 |
| Net interest margin | 3.0481% | 6,795 |
| Noninterest income to average assets | 0.2714% | 6,509 |
| Noninterest expense to average assets | 2.7057% | 5,241 |
| Loan and lease loss provision to assets | 0.5984% | 2,435 |
| Net operating income to assets | -0.1722% | 6,586 |
| Return on assets (ROA) | -1.7629% | 7,501 |
| Pretax return on assets | -1.7629% | 7,359 |
| Return on Equity (ROE) | -16.5752% | 7,649 |
| Retained earnings to average equity (ytd only) | -16.5752% | 7,548 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3933% | 1,818 |
| Assets per employee ($millions) | 3.6218% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 3,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 44.7448% | 7,419 |
| Net loans and leases to deposits | 52.5041% | 7,512 |
| Net loans and leases to core deposits | 60.2858% | 7,574 |
| Total domestic deposits to total assets | 85.2216% | 2,741 |
| Equity capital to assets | 12.1370% | 2,201 |
| Core capital (leverage) ratio | 12.8484% | 1,596 |
| Tier 1 risk-based capital ratio | 21.8284% | 1,339 |
| Total risk-based capital ratio | 22.8659% | 1,333 |
| Memoranda: | ||
| Average total assets | $34,260,800 | 7,451 |
| Average earning assets | $32,151,000 | 7,400 |
| Average equity | $3,644,000 | 7,635 |
| Average total loans | $9,159,200 | 7,981 |