Home > Vermilion Valley Bank > Performance and Condition Ratios
Vermilion Valley 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 | 3.8484% | 4,127 |
| Cost of funding earning assets | 0.6838% | 3,949 |
| Net interest margin | 3.1645% | 2,955 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.4341% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7844% | 628 |
| Return on assets (ROA) | 1.7871% | 601 |
| Pretax return on assets | 1.8882% | 785 |
| Return on Equity (ROE) | 13.1600% | 1,685 |
| Retained earnings to average equity (ytd only) | 8.4335% | 1,414 |
| Net charge-offs to loans | 0.0359% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 101.9688% | 893 |
| Efficiency ratio | 43.2028% | 4,280 |
| Assets per employee ($millions) | 9.0292% | 972 |
| Cash dividends to net income (ytd only)* | 35.9198% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,443 |
| Loan loss allowance to noncurrent loans | 245.6612% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 1,885 |
| Noncurrent loans to loans | 0.4777% | 1,591 |
| Net loans and leases to total assets | 55.4500% | 3,237 |
| Net loans and leases to deposits | 72.4181% | 2,731 |
| Net loans and leases to core deposits | 79.2375% | 2,755 |
| Total domestic deposits to total assets | 76.5700% | 3,887 |
| Equity capital to assets | 14.1702% | 649 |
| Core capital (leverage) ratio | 16.5570% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6309% | 317 |
| Memoranda: | ||
| Average total assets | $173,071,400 | 3,174 |
| Average earning assets | $168,019,600 | 3,114 |
| Average equity | $23,501,400 | 2,595 |
| Average total loans | $89,118,200 | 3,302 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 4,114 |
| Cost of funding earning assets | 0.6025% | 3,966 |
| Net interest margin | 3.1987% | 2,918 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.4533% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8292% | 629 |
| Return on assets (ROA) | 1.8396% | 605 |
| Pretax return on assets | 1.9346% | 826 |
| Return on Equity (ROE) | 13.7000% | 1,734 |
| Retained earnings to average equity (ytd only) | 9.2892% | 1,611 |
| Net charge-offs to loans | -0.0031% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.0351% | 4,268 |
| Assets per employee ($millions) | 8.9187% | 958 |
| Cash dividends to net income (ytd only)* | 32.2185% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 1,595 |
| Loan loss allowance to noncurrent loans | 238.1323% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 1,796 |
| Noncurrent loans to loans | 0.5742% | 1,395 |
| Net loans and leases to total assets | 52.1100% | 3,487 |
| Net loans and leases to deposits | 63.2811% | 3,304 |
| Net loans and leases to core deposits | 68.7513% | 3,286 |
| Total domestic deposits to total assets | 82.3400% | 3,154 |
| Equity capital to assets | 13.3887% | 743 |
| Core capital (leverage) ratio | 16.4288% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0347% | 251 |
| Memoranda: | ||
| Average total assets | $171,193,500 | 3,194 |
| Average earning assets | $166,186,500 | 3,135 |
| Average equity | $22,979,500 | 2,623 |
| Average total loans | $86,067,000 | 3,343 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 4,164 |
| Cost of funding earning assets | 0.4757% | 4,026 |
| Net interest margin | 3.2043% | 2,987 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.2726% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9108% | 550 |
| Return on assets (ROA) | 1.9142% | 542 |
| Pretax return on assets | 2.0073% | 735 |
| Return on Equity (ROE) | 14.2500% | 1,630 |
| Retained earnings to average equity (ytd only) | 9.7934% | 1,470 |
| Net charge-offs to loans | -0.0047% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 38.8415% | 4,422 |
| Assets per employee ($millions) | 8.5954% | 1,047 |
| Cash dividends to net income (ytd only)* | 31.2652% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 1,300 |
| Loan loss allowance to noncurrent loans | 253.9419% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 1,798 |
| Noncurrent loans to loans | 0.5760% | 1,299 |
| Net loans and leases to total assets | 47.9600% | 3,693 |
| Net loans and leases to deposits | 58.6724% | 3,506 |
| Net loans and leases to core deposits | 63.4084% | 3,480 |
| Total domestic deposits to total assets | 81.7500% | 3,280 |
| Equity capital to assets | 13.6452% | 691 |
| Core capital (leverage) ratio | 16.0974% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5262% | 253 |
| Memoranda: | ||
| Average total assets | $171,772,667 | 3,203 |
| Average earning assets | $166,899,333 | 3,136 |
| Average equity | $23,076,667 | 2,621 |
| Average total loans | $84,915,333 | 3,365 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 4,168 |
| Cost of funding earning assets | 0.3764% | 4,020 |
| Net interest margin | 3.2124% | 3,087 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.2580% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9828% | 507 |
| Return on assets (ROA) | 1.9918% | 492 |
| Pretax return on assets | 2.0803% | 677 |
| Return on Equity (ROE) | 14.9400% | 1,564 |
| Retained earnings to average equity (ytd only) | 10.6089% | 1,553 |
| Net charge-offs to loans | -0.0140% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.7887% | 4,495 |
| Assets per employee ($millions) | 8.9207% | 965 |
| Cash dividends to net income (ytd only)* | 29.0058% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,203 |
| Loan loss allowance to noncurrent loans | 256.2762% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 1,742 |
| Noncurrent loans to loans | 0.5921% | 1,259 |
| Net loans and leases to total assets | 46.9100% | 3,717 |
| Net loans and leases to deposits | 54.5387% | 3,647 |
| Net loans and leases to core deposits | 58.5053% | 3,610 |
| Total domestic deposits to total assets | 86.0100% | 2,586 |
| Equity capital to assets | 13.8619% | 612 |
| Core capital (leverage) ratio | 15.6273% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7232% | 292 |
| Memoranda: | ||
| Average total assets | $171,705,500 | 3,248 |
| Average earning assets | $166,851,000 | 3,176 |
| Average equity | $22,886,500 | 2,654 |
| Average total loans | $85,536,000 | 3,396 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0850% | 4,018 |
| Cost of funding earning assets | 0.2965% | 2,906 |
| Net interest margin | 2.7884% | 3,915 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.2492% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4064% | 1,115 |
| Return on assets (ROA) | 1.3793% | 1,135 |
| Pretax return on assets | 1.5523% | 1,284 |
| Return on Equity (ROE) | 10.2100% | 2,746 |
| Retained earnings to average equity (ytd only) | 5.4475% | 2,854 |
| Net charge-offs to loans | -0.0201% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.1121% | 4,425 |
| Assets per employee ($millions) | 8.6959% | 1,017 |
| Cash dividends to net income (ytd only)* | 46.6263% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,675 |
| Loan loss allowance to noncurrent loans | 256.5126% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 1,787 |
| Noncurrent loans to loans | 0.5269% | 1,395 |
| Net loans and leases to total assets | 51.2400% | 3,414 |
| Net loans and leases to deposits | 62.3384% | 3,170 |
| Net loans and leases to core deposits | 66.4571% | 3,099 |
| Total domestic deposits to total assets | 82.2000% | 3,588 |
| Equity capital to assets | 12.8095% | 741 |
| Core capital (leverage) ratio | 15.7083% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1122% | 302 |
| Memoranda: | ||
| Average total assets | $167,621,600 | 3,286 |
| Average earning assets | $162,887,400 | 3,222 |
| Average equity | $22,652,600 | 2,726 |
| Average total loans | $84,453,400 | 3,348 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9606% | 3,963 |
| Cost of funding earning assets | 0.2668% | 2,521 |
| Net interest margin | 2.6938% | 3,941 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.2133% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3299% | 1,268 |
| Return on assets (ROA) | 1.2936% | 1,338 |
| Pretax return on assets | 1.4911% | 1,435 |
| Return on Equity (ROE) | 9.4400% | 2,894 |
| Retained earnings to average equity (ytd only) | 4.7245% | 3,190 |
| Net charge-offs to loans | -0.0145% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.1813% | 4,462 |
| Assets per employee ($millions) | 8.2594% | 1,192 |
| Cash dividends to net income (ytd only)* | 49.9690% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,522 |
| Loan loss allowance to noncurrent loans | 255.9072% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 1,805 |
| Noncurrent loans to loans | 0.5573% | 1,427 |
| Net loans and leases to total assets | 50.7500% | 3,401 |
| Net loans and leases to deposits | 60.2795% | 3,176 |
| Net loans and leases to core deposits | 64.3003% | 3,087 |
| Total domestic deposits to total assets | 84.2000% | 3,452 |
| Equity capital to assets | 12.3902% | 800 |
| Core capital (leverage) ratio | 15.3837% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1580% | 245 |
| Memoranda: | ||
| Average total assets | $166,047,500 | 3,323 |
| Average earning assets | $161,404,750 | 3,256 |
| Average equity | $22,746,250 | 2,756 |
| Average total loans | $82,981,750 | 3,378 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8051% | 3,967 |
| Cost of funding earning assets | 0.2893% | 1,806 |
| Net interest margin | 2.5158% | 4,063 |
| Noninterest income to average assets | 0.1359% | 4,333 |
| Noninterest expense to average assets | 1.2000% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1307% | 1,660 |
| Return on assets (ROA) | 1.0942% | 1,780 |
| Pretax return on assets | 1.3383% | 1,620 |
| Return on Equity (ROE) | 7.7427% | 3,090 |
| Retained earnings to average equity (ytd only) | 3.1907% | 3,385 |
| Net charge-offs to loans | -0.0073% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4618% | 4,430 |
| Assets per employee ($millions) | 8.8115% | 949 |
| Cash dividends to net income (ytd only)* | 58.7912% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,364 |
| Loan loss allowance to noncurrent loans | 159.6561% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 1,251 |
| Noncurrent loans to loans | 0.9493% | 879 |
| Net loans and leases to total assets | 46.8480% | 3,645 |
| Net loans and leases to deposits | 53.9137% | 3,540 |
| Net loans and leases to core deposits | 56.7246% | 3,510 |
| Total domestic deposits to total assets | 86.8945% | 2,975 |
| Equity capital to assets | 13.0213% | 664 |
| Core capital (leverage) ratio | 14.8903% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6645% | 228 |
| Memoranda: | ||
| Average total assets | $166,334,333 | 3,360 |
| Average earning assets | $161,775,333 | 3,298 |
| Average equity | $23,506,000 | 2,778 |
| Average total loans | $82,292,000 | 3,423 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7149% | 3,917 |
| Cost of funding earning assets | 0.4665% | 590 |
| Net interest margin | 2.2483% | 4,295 |
| Noninterest income to average assets | 0.1761% | 4,120 |
| Noninterest expense to average assets | 1.0350% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9318% | 2,148 |
| Return on assets (ROA) | 0.8975% | 2,277 |
| Pretax return on assets | 1.2835% | 1,556 |
| Return on Equity (ROE) | 6.1086% | 3,319 |
| Retained earnings to average equity (ytd only) | 6.1086% | 2,216 |
| Net charge-offs to loans | 0.0144% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 183.3333% | 459 |
| Efficiency ratio | 43.8202% | 4,556 |
| Assets per employee ($millions) | 8.5195% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 1,387 |
| Loan loss allowance to noncurrent loans | 2,729.5455% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,787 |
| Noncurrent loans to loans | 0.0570% | 3,575 |
| Net loans and leases to total assets | 44.5792% | 3,698 |
| Net loans and leases to deposits | 51.6616% | 3,594 |
| Net loans and leases to core deposits | 54.4447% | 3,564 |
| Total domestic deposits to total assets | 86.2908% | 3,166 |
| Equity capital to assets | 13.6106% | 586 |
| Core capital (leverage) ratio | 14.5700% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3081% | 285 |
| Memoranda: | ||
| Average total assets | $165,792,500 | 3,378 |
| Average earning assets | $161,187,000 | 3,314 |
| Average equity | $24,359,000 | 2,813 |
| Average total loans | $83,618,500 | 3,409 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3712% | 3,000 |
| Cost of funding earning assets | 0.3949% | 1,579 |
| Net interest margin | 2.9764% | 3,256 |
| Noninterest income to average assets | 0.0965% | 4,622 |
| Noninterest expense to average assets | 1.2868% | 4,685 |
| Loan and lease loss provision to assets | 0.0095% | 2,891 |
| Net operating income to assets | 1.6690% | 681 |
| Return on assets (ROA) | 1.6609% | 721 |
| Pretax return on assets | 1.6830% | 1,193 |
| Return on Equity (ROE) | 10.4422% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.1987% | 2,273 |
| Net charge-offs to loans | -0.0143% | 3,856 |
| Credit loss provision to net charge-offs | -115.3846% | 3,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0743% | 4,604 |
| Assets per employee ($millions) | 8.4840% | 1,092 |
| Cash dividends to net income (ytd only)* | 40.6381% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 2,198 |
| Loan loss allowance to noncurrent loans | 2,736.3636% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,855 |
| Noncurrent loans to loans | 0.0488% | 3,732 |
| Net loans and leases to total assets | 55.1341% | 2,718 |
| Net loans and leases to deposits | 65.6207% | 2,546 |
| Net loans and leases to core deposits | 69.5099% | 2,501 |
| Total domestic deposits to total assets | 84.0195% | 3,558 |
| Equity capital to assets | 15.8360% | 396 |
| Core capital (leverage) ratio | 15.1956% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9224% | 312 |
| Memoranda: | ||
| Average total assets | $158,530,600 | 3,406 |
| Average earning assets | $153,978,800 | 3,333 |
| Average equity | $25,215,000 | 2,833 |
| Average total loans | $90,615,400 | 3,329 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 2,917 |
| Cost of funding earning assets | 0.4173% | 1,568 |
| Net interest margin | 3.0566% | 3,158 |
| Noninterest income to average assets | 0.1022% | 4,660 |
| Noninterest expense to average assets | 1.2331% | 4,778 |
| Loan and lease loss provision to assets | 0.0127% | 2,738 |
| Net operating income to assets | 1.8048% | 659 |
| Return on assets (ROA) | 1.7973% | 701 |
| Pretax return on assets | 1.8184% | 1,120 |
| Return on Equity (ROE) | 11.2872% | 2,278 |
| Retained earnings to average equity (ytd only) | 7.0280% | 2,407 |
| Net charge-offs to loans | -0.0764% | 4,517 |
| Credit loss provision to net charge-offs | -28.8462% | 3,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1430% | 4,716 |
| Assets per employee ($millions) | 8.6174% | 1,005 |
| Cash dividends to net income (ytd only)* | 37.7350% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 1,971 |
| Loan loss allowance to noncurrent loans | 2,959.5238% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,002 |
| Noncurrent loans to loans | 0.0477% | 3,877 |
| Net loans and leases to total assets | 52.9830% | 3,083 |
| Net loans and leases to deposits | 65.1181% | 2,721 |
| Net loans and leases to core deposits | 68.4108% | 2,740 |
| Total domestic deposits to total assets | 81.3644% | 4,039 |
| Equity capital to assets | 15.5793% | 461 |
| Core capital (leverage) ratio | 15.2812% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0185% | 275 |
| Memoranda: | ||
| Average total assets | $157,864,250 | 3,449 |
| Average earning assets | $153,369,500 | 3,375 |
| Average equity | $25,137,000 | 2,876 |
| Average total loans | $90,749,750 | 3,369 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6656% | 2,425 |
| Cost of funding earning assets | 0.4473% | 1,540 |
| Net interest margin | 3.2183% | 2,702 |
| Noninterest income to average assets | 0.1103% | 4,651 |
| Noninterest expense to average assets | 1.2469% | 4,808 |
| Loan and lease loss provision to assets | 0.0192% | 2,571 |
| Net operating income to assets | 1.9549% | 529 |
| Return on assets (ROA) | 1.9447% | 561 |
| Pretax return on assets | 1.9627% | 897 |
| Return on Equity (ROE) | 12.1215% | 2,013 |
| Retained earnings to average equity (ytd only) | 7.8438% | 2,132 |
| Net charge-offs to loans | -0.1113% | 4,651 |
| Credit loss provision to net charge-offs | -29.4118% | 2,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4950% | 4,789 |
| Assets per employee ($millions) | 7.9970% | 1,211 |
| Cash dividends to net income (ytd only)* | 35.2902% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 1,832 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 4,071 |
| Noncurrent loans to loans | 0.0532% | 3,911 |
| Net loans and leases to total assets | 53.3287% | 3,218 |
| Net loans and leases to deposits | 63.4255% | 3,058 |
| Net loans and leases to core deposits | 66.6011% | 3,061 |
| Total domestic deposits to total assets | 84.0809% | 3,410 |
| Equity capital to assets | 15.7847% | 433 |
| Core capital (leverage) ratio | 15.3333% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6346% | 280 |
| Memoranda: | ||
| Average total assets | $155,909,000 | 3,469 |
| Average earning assets | $151,573,000 | 3,396 |
| Average equity | $25,013,333 | 2,879 |
| Average total loans | $91,669,000 | 3,376 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7929% | 2,122 |
| Cost of funding earning assets | 0.4865% | 1,477 |
| Net interest margin | 3.3064% | 2,374 |
| Noninterest income to average assets | 0.1456% | 4,475 |
| Noninterest expense to average assets | 1.2398% | 4,846 |
| Loan and lease loss provision to assets | 0.0208% | 2,509 |
| Net operating income to assets | 2.0862% | 502 |
| Return on assets (ROA) | 1.7337% | 944 |
| Pretax return on assets | 1.7441% | 1,406 |
| Return on Equity (ROE) | 10.7162% | 2,451 |
| Retained earnings to average equity (ytd only) | 10.7162% | 1,470 |
| Net charge-offs to loans | -0.0085% | 3,609 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8910% | 4,834 |
| Assets per employee ($millions) | 8.4469% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,383 |
| Loan loss allowance to noncurrent loans | 1,882.5397% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,095 |
| Noncurrent loans to loans | 0.0698% | 3,940 |
| Net loans and leases to total assets | 55.5327% | 3,091 |
| Net loans and leases to deposits | 65.9853% | 2,917 |
| Net loans and leases to core deposits | 69.2109% | 2,941 |
| Total domestic deposits to total assets | 84.1592% | 3,386 |
| Equity capital to assets | 15.7074% | 419 |
| Core capital (leverage) ratio | 14.8109% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1532% | 394 |
| Memoranda: | ||
| Average total assets | $153,893,500 | 3,492 |
| Average earning assets | $149,647,000 | 3,421 |
| Average equity | $24,897,000 | 2,881 |
| Average total loans | $94,235,500 | 3,347 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 3,100 |
| Cost of funding earning assets | 0.6331% | 2,100 |
| Net interest margin | 3.2422% | 3,240 |
| Noninterest income to average assets | 0.1283% | 4,638 |
| Noninterest expense to average assets | 1.4006% | 4,835 |
| Loan and lease loss provision to assets | 0.0211% | 4,130 |
| Net operating income to assets | 1.8076% | 378 |
| Return on assets (ROA) | 1.7171% | 517 |
| Pretax return on assets | 1.7474% | 771 |
| Return on Equity (ROE) | 10.3004% | 1,888 |
| Retained earnings to average equity (ytd only) | 5.7760% | 1,915 |
| Net charge-offs to loans | 0.0376% | 2,302 |
| Credit loss provision to net charge-offs | 81.0811% | 2,982 |
| Earnings coverage of net charge-offs (x) | 71.3514% | 962 |
| Efficiency ratio | 42.9436% | 4,818 |
| Assets per employee ($millions) | 7.7524% | 1,141 |
| Cash dividends to net income (ytd only)* | 43.9245% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,961 |
| Loan loss allowance to noncurrent loans | 2,502.1277% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,201 |
| Noncurrent loans to loans | 0.0479% | 4,105 |
| Net loans and leases to total assets | 65.8429% | 2,117 |
| Net loans and leases to deposits | 79.2334% | 1,954 |
| Net loans and leases to core deposits | 83.3260% | 2,094 |
| Total domestic deposits to total assets | 83.1000% | 3,380 |
| Equity capital to assets | 16.6909% | 364 |
| Core capital (leverage) ratio | 15.2647% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3406% | 421 |
| Memoranda: | ||
| Average total assets | $141,867,600 | 3,491 |
| Average earning assets | $137,098,400 | 3,419 |
| Average equity | $23,649,600 | 2,896 |
| Average total loans | $98,328,200 | 3,258 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,112 |
| Cost of funding earning assets | 0.7165% | 1,925 |
| Net interest margin | 3.2328% | 3,388 |
| Noninterest income to average assets | 0.1366% | 4,612 |
| Noninterest expense to average assets | 1.3076% | 4,905 |
| Loan and lease loss provision to assets | 0.0221% | 4,056 |
| Net operating income to assets | 1.8953% | 375 |
| Return on assets (ROA) | 1.7735% | 536 |
| Pretax return on assets | 1.8039% | 770 |
| Return on Equity (ROE) | 10.6421% | 1,803 |
| Retained earnings to average equity (ytd only) | 6.0698% | 2,080 |
| Net charge-offs to loans | 0.0352% | 2,127 |
| Credit loss provision to net charge-offs | 88.4615% | 2,706 |
| Earnings coverage of net charge-offs (x) | 79.0385% | 930 |
| Efficiency ratio | 40.1398% | 4,890 |
| Assets per employee ($millions) | 7.7424% | 1,105 |
| Cash dividends to net income (ytd only)* | 42.9642% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 2,868 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 4,249 |
| Noncurrent loans to loans | 0.0582% | 4,142 |
| Net loans and leases to total assets | 68.1017% | 2,233 |
| Net loans and leases to deposits | 84.4996% | 1,857 |
| Net loans and leases to core deposits | 88.9178% | 2,074 |
| Total domestic deposits to total assets | 80.5941% | 3,753 |
| Equity capital to assets | 16.4957% | 415 |
| Core capital (leverage) ratio | 15.8262% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0108% | 449 |
| Memoranda: | ||
| Average total assets | $140,510,500 | 3,491 |
| Average earning assets | $135,648,500 | 3,419 |
| Average equity | $23,415,750 | 2,907 |
| Average total loans | $98,370,250 | 3,270 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 3,244 |
| Cost of funding earning assets | 0.7029% | 2,364 |
| Net interest margin | 3.3287% | 3,315 |
| Noninterest income to average assets | 0.1620% | 4,482 |
| Noninterest expense to average assets | 1.3751% | 4,913 |
| Loan and lease loss provision to assets | 0.0217% | 3,975 |
| Net operating income to assets | 1.9411% | 375 |
| Return on assets (ROA) | 1.7540% | 605 |
| Pretax return on assets | 1.7858% | 836 |
| Return on Equity (ROE) | 10.4875% | 1,815 |
| Retained earnings to average equity (ytd only) | 5.8619% | 2,138 |
| Net charge-offs to loans | 0.0308% | 2,107 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 92.1333% | 732 |
| Efficiency ratio | 40.7630% | 4,896 |
| Assets per employee ($millions) | 7.6055% | 1,125 |
| Cash dividends to net income (ytd only)* | 44.1055% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,613 |
| Loan loss allowance to noncurrent loans | 1,908.0645% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,320 |
| Noncurrent loans to loans | 0.0618% | 4,233 |
| Net loans and leases to total assets | 68.5796% | 2,251 |
| Net loans and leases to deposits | 85.0879% | 1,875 |
| Net loans and leases to core deposits | 91.1165% | 1,980 |
| Total domestic deposits to total assets | 80.5986% | 3,701 |
| Equity capital to assets | 16.4299% | 418 |
| Core capital (leverage) ratio | 16.1386% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6239% | 467 |
| Memoranda: | ||
| Average total assets | $138,312,333 | 3,500 |
| Average earning assets | $133,445,000 | 3,427 |
| Average equity | $23,132,333 | 2,920 |
| Average total loans | $97,373,333 | 3,277 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 3,778 |
| Cost of funding earning assets | 0.7409% | 2,718 |
| Net interest margin | 3.2619% | 3,684 |
| Noninterest income to average assets | 0.2514% | 4,043 |
| Noninterest expense to average assets | 1.4288% | 4,947 |
| Loan and lease loss provision to assets | 0.0237% | 3,507 |
| Net operating income to assets | 1.9051% | 336 |
| Return on assets (ROA) | 1.9051% | 365 |
| Pretax return on assets | 1.9376% | 524 |
| Return on Equity (ROE) | 11.2846% | 1,336 |
| Retained earnings to average equity (ytd only) | 11.2846% | 527 |
| Net charge-offs to loans | 0.0751% | 1,271 |
| Credit loss provision to net charge-offs | 44.4444% | 2,075 |
| Earnings coverage of net charge-offs (x) | 36.8333% | 1,066 |
| Efficiency ratio | 42.1466% | 4,941 |
| Assets per employee ($millions) | 7.1694% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,546 |
| Loan loss allowance to noncurrent loans | 1,675.7143% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 4,339 |
| Noncurrent loans to loans | 0.0730% | 4,231 |
| Net loans and leases to total assets | 69.5586% | 2,314 |
| Net loans and leases to deposits | 83.9873% | 2,226 |
| Net loans and leases to core deposits | 92.2161% | 2,130 |
| Total domestic deposits to total assets | 82.8203% | 3,163 |
| Equity capital to assets | 16.9705% | 446 |
| Core capital (leverage) ratio | 16.2823% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8288% | 455 |
| Memoranda: | ||
| Average total assets | $135,216,000 | 3,512 |
| Average earning assets | $130,110,000 | 3,443 |
| Average equity | $22,827,500 | 2,936 |
| Average total loans | $95,918,000 | 3,281 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 3,634 |
| Cost of funding earning assets | 0.6599% | 3,362 |
| Net interest margin | 3.6040% | 3,124 |
| Noninterest income to average assets | 0.1701% | 4,639 |
| Noninterest expense to average assets | 1.6057% | 4,948 |
| Loan and lease loss provision to assets | 0.0705% | 2,589 |
| Net operating income to assets | 1.9615% | 389 |
| Return on assets (ROA) | 1.9615% | 402 |
| Pretax return on assets | 1.9607% | 652 |
| Return on Equity (ROE) | 11.4722% | 1,700 |
| Retained earnings to average equity (ytd only) | 6.8888% | 1,433 |
| Net charge-offs to loans | -0.0010% | 4,174 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1500% | 4,968 |
| Assets per employee ($millions) | 6.3911% | 1,362 |
| Cash dividends to net income (ytd only)* | 39.9521% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,270 |
| Loan loss allowance to noncurrent loans | 1,666.1972% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 4,366 |
| Noncurrent loans to loans | 0.0740% | 4,231 |
| Net loans and leases to total assets | 70.5803% | 2,306 |
| Net loans and leases to deposits | 85.0853% | 2,198 |
| Net loans and leases to core deposits | 93.0074% | 2,159 |
| Total domestic deposits to total assets | 82.9525% | 3,207 |
| Equity capital to assets | 16.7927% | 493 |
| Core capital (leverage) ratio | 16.3603% | 479 |
| Tier 1 risk-based capital ratio | 22.9023% | 919 |
| Total risk-based capital ratio | 24.1525% | 899 |
| Memoranda: | ||
| Average total assets | $127,606,400 | 3,594 |
| Average earning assets | $122,751,600 | 3,525 |
| Average equity | $21,818,000 | 2,977 |
| Average total loans | $96,551,200 | 3,271 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 3,641 |
| Cost of funding earning assets | 0.6290% | 3,539 |
| Net interest margin | 3.6748% | 3,010 |
| Noninterest income to average assets | 0.1852% | 4,613 |
| Noninterest expense to average assets | 1.5698% | 5,027 |
| Loan and lease loss provision to assets | 0.0720% | 2,437 |
| Net operating income to assets | 2.0822% | 334 |
| Return on assets (ROA) | 2.0822% | 347 |
| Pretax return on assets | 2.0811% | 576 |
| Return on Equity (ROE) | 12.1203% | 1,577 |
| Retained earnings to average equity (ytd only) | 7.4990% | 1,624 |
| Net charge-offs to loans | 0.0055% | 3,196 |
| Credit loss provision to net charge-offs | 1,700.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 508.8049% | 194 |
| Efficiency ratio | 42.1666% | 5,076 |
| Assets per employee ($millions) | 6.2235% | 1,448 |
| Cash dividends to net income (ytd only)* | 38.1293% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,439 |
| Loan loss allowance to noncurrent loans | 1,778.4615% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 4,466 |
| Noncurrent loans to loans | 0.0683% | 4,331 |
| Net loans and leases to total assets | 71.9817% | 2,176 |
| Net loans and leases to deposits | 86.9704% | 2,065 |
| Net loans and leases to core deposits | 95.7350% | 2,025 |
| Total domestic deposits to total assets | 82.7657% | 3,234 |
| Equity capital to assets | 17.0116% | 481 |
| Core capital (leverage) ratio | 16.0064% | 559 |
| Tier 1 risk-based capital ratio | 22.4971% | 1,012 |
| Total risk-based capital ratio | 23.7133% | 984 |
| Memoranda: | ||
| Average total assets | $125,954,750 | 3,651 |
| Average earning assets | $121,254,000 | 3,585 |
| Average equity | $21,638,000 | 3,008 |
| Average total loans | $96,711,250 | 3,309 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 2,986 |
| Cost of funding earning assets | 0.6010% | 3,647 |
| Net interest margin | 3.9080% | 2,223 |
| Noninterest income to average assets | 0.1994% | 4,560 |
| Noninterest expense to average assets | 1.7640% | 4,909 |
| Loan and lease loss provision to assets | 0.0724% | 2,369 |
| Net operating income to assets | 2.1290% | 307 |
| Return on assets (ROA) | 2.1290% | 319 |
| Pretax return on assets | 2.1274% | 519 |
| Return on Equity (ROE) | 12.3509% | 1,458 |
| Retained earnings to average equity (ytd only) | 7.6867% | 1,524 |
| Net charge-offs to loans | 0.0021% | 3,104 |
| Credit loss provision to net charge-offs | 4,500.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 1,368.0000% | 51 |
| Efficiency ratio | 44.5030% | 5,050 |
| Assets per employee ($millions) | 5.7954% | 1,699 |
| Cash dividends to net income (ytd only)* | 37.7644% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,620 |
| Loan loss allowance to noncurrent loans | 680.2395% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 4,073 |
| Noncurrent loans to loans | 0.1737% | 3,932 |
| Net loans and leases to total assets | 78.0517% | 1,212 |
| Net loans and leases to deposits | 96.1312% | 1,016 |
| Net loans and leases to core deposits | 100.7841% | 1,649 |
| Total domestic deposits to total assets | 81.1929% | 3,751 |
| Equity capital to assets | 17.9337% | 389 |
| Core capital (leverage) ratio | 17.1840% | 410 |
| Tier 1 risk-based capital ratio | 22.3862% | 1,014 |
| Total risk-based capital ratio | 23.5981% | 999 |
| Memoranda: | ||
| Average total assets | $124,375,330 | 3,696 |
| Average earning assets | $119,804,670 | 3,623 |
| Average equity | $21,439,670 | 3,024 |
| Average total loans | $97,204,670 | 3,323 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 3,899 |
| Cost of funding earning assets | 0.5321% | 3,908 |
| Net interest margin | 3.6589% | 3,047 |
| Noninterest income to average assets | 0.2673% | 4,088 |
| Noninterest expense to average assets | 1.4987% | 5,171 |
| Loan and lease loss provision to assets | 0.0732% | 2,208 |
| Net operating income to assets | 2.2751% | 230 |
| Return on assets (ROA) | 2.2751% | 241 |
| Pretax return on assets | 2.2178% | 429 |
| Return on Equity (ROE) | 13.4610% | 1,095 |
| Retained earnings to average equity (ytd only) | 13.4610% | 408 |
| Net charge-offs to loans | -0.0123% | 4,307 |
| Credit loss provision to net charge-offs | -766.6667% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5466% | 5,216 |
| Assets per employee ($millions) | 5.9322% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 2,817 |
| Loan loss allowance to noncurrent loans | 1,471.0526% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 4,519 |
| Noncurrent loans to loans | 0.0785% | 4,409 |
| Net loans and leases to total assets | 76.7686% | 1,353 |
| Net loans and leases to deposits | 96.0018% | 966 |
| Net loans and leases to core deposits | 100.9681% | 1,538 |
| Total domestic deposits to total assets | 79.9658% | 4,181 |
| Equity capital to assets | 17.3860% | 408 |
| Core capital (leverage) ratio | 17.0707% | 417 |
| Tier 1 risk-based capital ratio | 22.0413% | 1,048 |
| Total risk-based capital ratio | 23.2224% | 1,028 |
| Memoranda: | ||
| Average total assets | $125,711,000 | 3,715 |
| Average earning assets | $121,020,000 | 3,643 |
| Average equity | $21,246,500 | 3,051 |
| Average total loans | $97,743,000 | 3,354 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 3,998 |
| Cost of funding earning assets | 0.4591% | 3,616 |
| Net interest margin | 3.5518% | 3,542 |
| Noninterest income to average assets | 0.2213% | 4,596 |
| Noninterest expense to average assets | 1.6534% | 5,130 |
| Loan and lease loss provision to assets | 0.0805% | 2,516 |
| Net operating income to assets | 1.8561% | 498 |
| Return on assets (ROA) | 1.8561% | 494 |
| Pretax return on assets | 1.9044% | 715 |
| Return on Equity (ROE) | 11.4430% | 1,921 |
| Retained earnings to average equity (ytd only) | 6.9789% | 1,680 |
| Net charge-offs to loans | 0.0053% | 3,521 |
| Credit loss provision to net charge-offs | 2,000.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 493.4000% | 214 |
| Efficiency ratio | 45.4445% | 5,134 |
| Assets per employee ($millions) | 6.0402% | 1,491 |
| Cash dividends to net income (ytd only)* | 39.0117% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 3,061 |
| Loan loss allowance to noncurrent loans | 1,161.7021% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 4,450 |
| Noncurrent loans to loans | 0.0952% | 4,314 |
| Net loans and leases to total assets | 76.9758% | 1,446 |
| Net loans and leases to deposits | 99.4065% | 785 |
| Net loans and leases to core deposits | 104.3932% | 1,385 |
| Total domestic deposits to total assets | 77.4355% | 4,572 |
| Equity capital to assets | 16.4248% | 476 |
| Core capital (leverage) ratio | 15.9859% | 513 |
| Tier 1 risk-based capital ratio | 20.8392% | 1,174 |
| Total risk-based capital ratio | 21.9691% | 1,168 |
| Memoranda: | ||
| Average total assets | $124,291,000 | 3,724 |
| Average earning assets | $119,572,400 | 3,652 |
| Average equity | $20,160,800 | 3,074 |
| Average total loans | $94,602,000 | 3,398 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 4,071 |
| Cost of funding earning assets | 0.4201% | 3,724 |
| Net interest margin | 3.5322% | 3,586 |
| Noninterest income to average assets | 0.2426% | 4,527 |
| Noninterest expense to average assets | 1.6142% | 5,196 |
| Loan and lease loss provision to assets | 0.0970% | 2,037 |
| Net operating income to assets | 1.8848% | 505 |
| Return on assets (ROA) | 1.8848% | 506 |
| Pretax return on assets | 1.9312% | 763 |
| Return on Equity (ROE) | 11.6574% | 1,928 |
| Retained earnings to average equity (ytd only) | 7.1558% | 2,044 |
| Net charge-offs to loans | -0.0100% | 4,398 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3162% | 5,206 |
| Assets per employee ($millions) | 5.9450% | 1,530 |
| Cash dividends to net income (ytd only)* | 38.6156% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 2,979 |
| Loan loss allowance to noncurrent loans | 1,402.5641% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,669 |
| Noncurrent loans to loans | 0.0811% | 4,512 |
| Net loans and leases to total assets | 76.1254% | 1,642 |
| Net loans and leases to deposits | 96.6954% | 1,075 |
| Net loans and leases to core deposits | 101.5287% | 1,648 |
| Total domestic deposits to total assets | 78.7271% | 4,374 |
| Equity capital to assets | 16.3564% | 479 |
| Core capital (leverage) ratio | 16.0653% | 506 |
| Tier 1 risk-based capital ratio | 20.9806% | 1,188 |
| Total risk-based capital ratio | 22.1399% | 1,173 |
| Memoranda: | ||
| Average total assets | $123,652,500 | 3,772 |
| Average earning assets | $119,016,500 | 3,698 |
| Average equity | $19,992,500 | 3,111 |
| Average total loans | $93,569,500 | 3,437 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 4,209 |
| Cost of funding earning assets | 0.3925% | 3,781 |
| Net interest margin | 3.4601% | 3,766 |
| Noninterest income to average assets | 0.2856% | 4,268 |
| Noninterest expense to average assets | 1.6340% | 5,243 |
| Loan and lease loss provision to assets | 0.0974% | 1,990 |
| Net operating income to assets | 1.8433% | 532 |
| Return on assets (ROA) | 1.8433% | 534 |
| Pretax return on assets | 1.8871% | 794 |
| Return on Equity (ROE) | 11.4458% | 1,930 |
| Retained earnings to average equity (ytd only) | 6.9118% | 2,107 |
| Net charge-offs to loans | -0.0259% | 4,682 |
| Credit loss provision to net charge-offs | -500.0000% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1570% | 5,248 |
| Assets per employee ($millions) | 5.8803% | 1,563 |
| Cash dividends to net income (ytd only)* | 39.6127% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,001 |
| Loan loss allowance to noncurrent loans | 1,353.1646% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 4,696 |
| Noncurrent loans to loans | 0.0847% | 4,530 |
| Net loans and leases to total assets | 74.6605% | 1,841 |
| Net loans and leases to deposits | 95.5023% | 1,194 |
| Net loans and leases to core deposits | 100.3516% | 1,709 |
| Total domestic deposits to total assets | 78.1767% | 4,558 |
| Equity capital to assets | 16.2948% | 465 |
| Core capital (leverage) ratio | 16.1368% | 477 |
| Tier 1 risk-based capital ratio | 21.1049% | 1,156 |
| Total risk-based capital ratio | 22.2673% | 1,143 |
| Memoranda: | ||
| Average total assets | $123,255,330 | 3,804 |
| Average earning assets | $118,723,330 | 3,736 |
| Average equity | $19,850,000 | 3,143 |
| Average total loans | $92,715,330 | 3,465 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7616% | 4,321 |
| Cost of funding earning assets | 0.3913% | 3,650 |
| Net interest margin | 3.3702% | 3,986 |
| Noninterest income to average assets | 0.4190% | 3,322 |
| Noninterest expense to average assets | 1.6339% | 5,304 |
| Loan and lease loss provision to assets | 0.0975% | 1,889 |
| Net operating income to assets | 1.9003% | 451 |
| Return on assets (ROA) | 1.9003% | 453 |
| Pretax return on assets | 1.9328% | 673 |
| Return on Equity (ROE) | 11.8697% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.8697% | 706 |
| Net charge-offs to loans | -0.0346% | 4,806 |
| Credit loss provision to net charge-offs | -375.0000% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5922% | 5,332 |
| Assets per employee ($millions) | 5.6905% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 3,052 |
| Loan loss allowance to noncurrent loans | 650.9434% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,337 |
| Noncurrent loans to loans | 0.1779% | 4,170 |
| Net loans and leases to total assets | 73.9297% | 1,865 |
| Net loans and leases to deposits | 88.9249% | 1,820 |
| Net loans and leases to core deposits | 93.4344% | 2,179 |
| Total domestic deposits to total assets | 83.1372% | 3,622 |
| Equity capital to assets | 16.7188% | 419 |
| Core capital (leverage) ratio | 16.0613% | 483 |
| Tier 1 risk-based capital ratio | 21.9136% | 1,062 |
| Total risk-based capital ratio | 23.0884% | 1,054 |
| Memoranda: | ||
| Average total assets | $123,139,500 | 3,846 |
| Average earning assets | $118,567,500 | 3,773 |
| Average equity | $19,714,000 | 3,186 |
| Average total loans | $92,440,500 | 3,493 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7201% | 4,291 |
| Cost of funding earning assets | 0.3317% | 3,857 |
| Net interest margin | 3.3884% | 3,890 |
| Noninterest income to average assets | 0.1862% | 5,028 |
| Noninterest expense to average assets | 1.7232% | 5,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6504% | 584 |
| Return on assets (ROA) | 1.6504% | 601 |
| Pretax return on assets | 1.7038% | 999 |
| Return on Equity (ROE) | 10.6623% | 1,608 |
| Retained earnings to average equity (ytd only) | 5.8933% | 1,598 |
| Net charge-offs to loans | 0.0011% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2,105.0000% | 28 |
| Efficiency ratio | 50.2834% | 5,206 |
| Assets per employee ($millions) | 5.7627% | 1,695 |
| Cash dividends to net income (ytd only)* | 44.7278% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,661 |
| Loan loss allowance to noncurrent loans | 914.6789% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,624 |
| Noncurrent loans to loans | 0.1141% | 4,476 |
| Net loans and leases to total assets | 74.5415% | 1,828 |
| Net loans and leases to deposits | 96.2343% | 1,070 |
| Net loans and leases to core deposits | 99.9027% | 1,723 |
| Total domestic deposits to total assets | 77.4584% | 4,797 |
| Equity capital to assets | 15.3409% | 617 |
| Core capital (leverage) ratio | 15.2522% | 575 |
| Tier 1 risk-based capital ratio | 19.8571% | 1,350 |
| Total risk-based capital ratio | 20.9127% | 1,353 |
| Memoranda: | ||
| Average total assets | $123,547,200 | 3,842 |
| Average earning assets | $118,168,600 | 3,781 |
| Average equity | $19,123,400 | 3,230 |
| Average total loans | $92,558,000 | 3,480 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,341 |
| Cost of funding earning assets | 0.3046% | 4,090 |
| Net interest margin | 3.3863% | 3,898 |
| Noninterest income to average assets | 0.1966% | 5,025 |
| Noninterest expense to average assets | 1.6837% | 5,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6903% | 589 |
| Return on assets (ROA) | 1.6903% | 604 |
| Pretax return on assets | 1.7489% | 1,006 |
| Return on Equity (ROE) | 10.8949% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.1057% | 2,170 |
| Net charge-offs to loans | -0.0189% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0506% | 5,286 |
| Assets per employee ($millions) | 5.6338% | 1,800 |
| Cash dividends to net income (ytd only)* | 43.9591% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,569 |
| Loan loss allowance to noncurrent loans | 447.3451% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,302 |
| Noncurrent loans to loans | 0.2429% | 4,082 |
| Net loans and leases to total assets | 74.2537% | 1,877 |
| Net loans and leases to deposits | 95.2407% | 1,178 |
| Net loans and leases to core deposits | 98.9262% | 1,804 |
| Total domestic deposits to total assets | 77.9642% | 4,733 |
| Equity capital to assets | 15.7474% | 589 |
| Core capital (leverage) ratio | 15.0071% | 662 |
| Tier 1 risk-based capital ratio | 20.1545% | 1,330 |
| Total risk-based capital ratio | 21.2560% | 1,324 |
| Memoranda: | ||
| Average total assets | $122,739,250 | 3,890 |
| Average earning assets | $117,292,000 | 3,835 |
| Average equity | $19,042,000 | 3,270 |
| Average total loans | $91,822,500 | 3,527 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 4,466 |
| Cost of funding earning assets | 0.2842% | 4,244 |
| Net interest margin | 3.3346% | 4,000 |
| Noninterest income to average assets | 0.2125% | 4,983 |
| Noninterest expense to average assets | 1.6920% | 5,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6365% | 639 |
| Return on assets (ROA) | 1.6365% | 661 |
| Pretax return on assets | 1.7051% | 1,044 |
| Return on Equity (ROE) | 10.6019% | 1,795 |
| Retained earnings to average equity (ytd only) | 5.7723% | 2,248 |
| Net charge-offs to loans | -0.0284% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8075% | 5,318 |
| Assets per employee ($millions) | 5.6399% | 1,752 |
| Cash dividends to net income (ytd only)* | 45.5544% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,658 |
| Loan loss allowance to noncurrent loans | 802.3810% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,735 |
| Noncurrent loans to loans | 0.1355% | 4,573 |
| Net loans and leases to total assets | 74.1260% | 1,840 |
| Net loans and leases to deposits | 92.7700% | 1,389 |
| Net loans and leases to core deposits | 95.9612% | 1,984 |
| Total domestic deposits to total assets | 79.9030% | 4,435 |
| Equity capital to assets | 15.4419% | 626 |
| Core capital (leverage) ratio | 15.2593% | 585 |
| Tier 1 risk-based capital ratio | 19.7758% | 1,415 |
| Total risk-based capital ratio | 20.8762% | 1,403 |
| Memoranda: | ||
| Average total assets | $122,337,670 | 3,923 |
| Average earning assets | $116,836,330 | 3,859 |
| Average equity | $18,883,330 | 3,289 |
| Average total loans | $91,415,330 | 3,551 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5663% | 4,506 |
| Cost of funding earning assets | 0.2770% | 4,282 |
| Net interest margin | 3.2893% | 4,046 |
| Noninterest income to average assets | 0.2602% | 4,675 |
| Noninterest expense to average assets | 1.7091% | 5,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5807% | 706 |
| Return on assets (ROA) | 1.5807% | 722 |
| Pretax return on assets | 1.6795% | 1,048 |
| Return on Equity (ROE) | 10.2427% | 1,853 |
| Retained earnings to average equity (ytd only) | 10.2427% | 756 |
| Net charge-offs to loans | -0.0618% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4373% | 5,353 |
| Assets per employee ($millions) | 5.9484% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 3,346 |
| Loan loss allowance to noncurrent loans | 796.8504% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 4,616 |
| Noncurrent loans to loans | 0.1460% | 4,602 |
| Net loans and leases to total assets | 72.2856% | 2,037 |
| Net loans and leases to deposits | 86.1761% | 2,015 |
| Net loans and leases to core deposits | 89.1159% | 2,444 |
| Total domestic deposits to total assets | 83.8812% | 3,523 |
| Equity capital to assets | 15.9994% | 500 |
| Core capital (leverage) ratio | 14.8430% | 637 |
| Tier 1 risk-based capital ratio | 21.1504% | 1,202 |
| Total risk-based capital ratio | 22.3330% | 1,187 |
| Memoranda: | ||
| Average total assets | $121,467,500 | 3,973 |
| Average earning assets | $115,527,500 | 3,923 |
| Average equity | $18,745,000 | 3,315 |
| Average total loans | $90,630,500 | 3,586 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,303 |
| Cost of funding earning assets | 0.2632% | 4,435 |
| Net interest margin | 3.4084% | 3,794 |
| Noninterest income to average assets | 0.1794% | 5,324 |
| Noninterest expense to average assets | 1.6252% | 5,633 |
| Loan and lease loss provision to assets | 0.1402% | 1,780 |
| Net operating income to assets | 1.6428% | 624 |
| Return on assets (ROA) | 1.6428% | 648 |
| Pretax return on assets | 1.6404% | 1,165 |
| Return on Equity (ROE) | 11.2737% | 1,482 |
| Retained earnings to average equity (ytd only) | 6.1068% | 1,652 |
| Net charge-offs to loans | 0.0349% | 3,329 |
| Credit loss provision to net charge-offs | 546.8750% | 612 |
| Earnings coverage of net charge-offs (x) | 69.4688% | 801 |
| Efficiency ratio | 47.7187% | 5,582 |
| Assets per employee ($millions) | 5.6349% | 1,757 |
| Cash dividends to net income (ytd only)* | 45.8313% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,958 |
| Loan loss allowance to noncurrent loans | 206.6253% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 3,484 |
| Noncurrent loans to loans | 0.5125% | 3,311 |
| Net loans and leases to total assets | 75.2251% | 1,651 |
| Net loans and leases to deposits | 90.5151% | 1,628 |
| Net loans and leases to core deposits | 93.0113% | 2,212 |
| Total domestic deposits to total assets | 83.1077% | 3,734 |
| Equity capital to assets | 14.8877% | 657 |
| Core capital (leverage) ratio | 14.4347% | 709 |
| Tier 1 risk-based capital ratio | 19.0899% | 1,573 |
| Total risk-based capital ratio | 20.1696% | 1,587 |
| Memoranda: | ||
| Average total assets | $124,848,400 | 3,909 |
| Average earning assets | $118,179,600 | 3,865 |
| Average equity | $18,192,800 | 3,379 |
| Average total loans | $91,730,200 | 3,542 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,195 |
| Cost of funding earning assets | 0.2585% | 4,530 |
| Net interest margin | 3.4591% | 3,630 |
| Noninterest income to average assets | 0.2058% | 5,237 |
| Noninterest expense to average assets | 1.6055% | 5,685 |
| Loan and lease loss provision to assets | 0.1866% | 1,172 |
| Net operating income to assets | 1.6833% | 612 |
| Return on assets (ROA) | 1.6833% | 654 |
| Pretax return on assets | 1.6801% | 1,173 |
| Return on Equity (ROE) | 11.6141% | 1,449 |
| Retained earnings to average equity (ytd only) | 6.4285% | 1,949 |
| Net charge-offs to loans | 0.0498% | 2,663 |
| Credit loss provision to net charge-offs | 514.7059% | 690 |
| Earnings coverage of net charge-offs (x) | 51.5025% | 1,050 |
| Efficiency ratio | 46.2389% | 5,660 |
| Assets per employee ($millions) | 5.7103% | 1,652 |
| Cash dividends to net income (ytd only)* | 44.6487% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 4,061 |
| Loan loss allowance to noncurrent loans | 133.1551% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 2,944 |
| Noncurrent loans to loans | 0.7971% | 2,675 |
| Net loans and leases to total assets | 73.9091% | 1,879 |
| Net loans and leases to deposits | 93.3888% | 1,333 |
| Net loans and leases to core deposits | 96.1538% | 1,976 |
| Total domestic deposits to total assets | 79.1413% | 4,689 |
| Equity capital to assets | 14.7151% | 810 |
| Core capital (leverage) ratio | 13.9532% | 865 |
| Tier 1 risk-based capital ratio | 18.8669% | 1,703 |
| Total risk-based capital ratio | 19.9458% | 1,707 |
| Memoranda: | ||
| Average total assets | $125,068,500 | 3,932 |
| Average earning assets | $118,102,500 | 3,883 |
| Average equity | $18,127,000 | 3,412 |
| Average total loans | $91,099,500 | 3,570 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7307% | 4,186 |
| Cost of funding earning assets | 0.2521% | 4,639 |
| Net interest margin | 3.4786% | 3,571 |
| Noninterest income to average assets | 0.2130% | 5,215 |
| Noninterest expense to average assets | 1.6143% | 5,751 |
| Loan and lease loss provision to assets | 0.2402% | 820 |
| Net operating income to assets | 1.6335% | 667 |
| Return on assets (ROA) | 1.6335% | 712 |
| Pretax return on assets | 1.6287% | 1,283 |
| Return on Equity (ROE) | 11.3287% | 1,531 |
| Retained earnings to average equity (ytd only) | 6.1086% | 2,064 |
| Net charge-offs to loans | 0.0333% | 2,785 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 77.8000% | 718 |
| Efficiency ratio | 46.3448% | 5,740 |
| Assets per employee ($millions) | 5.9573% | 1,428 |
| Cash dividends to net income (ytd only)* | 46.0784% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 4,068 |
| Loan loss allowance to noncurrent loans | 285.3026% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 4,128 |
| Noncurrent loans to loans | 0.3778% | 4,010 |
| Net loans and leases to total assets | 72.6308% | 2,061 |
| Net loans and leases to deposits | 91.6864% | 1,556 |
| Net loans and leases to core deposits | 94.0650% | 2,162 |
| Total domestic deposits to total assets | 79.2165% | 4,730 |
| Equity capital to assets | 14.6110% | 842 |
| Core capital (leverage) ratio | 14.0846% | 798 |
| Tier 1 risk-based capital ratio | 18.7555% | 1,749 |
| Total risk-based capital ratio | 19.8420% | 1,744 |
| Memoranda: | ||
| Average total assets | $124,882,670 | 3,962 |
| Average earning assets | $117,403,670 | 3,926 |
| Average equity | $18,007,330 | 3,440 |
| Average total loans | $90,184,330 | 3,609 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 4,199 |
| Cost of funding earning assets | 0.2461% | 4,745 |
| Net interest margin | 3.4869% | 3,521 |
| Noninterest income to average assets | 0.2469% | 4,969 |
| Noninterest expense to average assets | 1.6254% | 5,811 |
| Loan and lease loss provision to assets | 0.2404% | 752 |
| Net operating income to assets | 1.6606% | 625 |
| Return on assets (ROA) | 1.6606% | 663 |
| Pretax return on assets | 1.6510% | 1,178 |
| Return on Equity (ROE) | 11.5939% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.5939% | 561 |
| Net charge-offs to loans | 0.0313% | 2,324 |
| Credit loss provision to net charge-offs | 1,071.4286% | 353 |
| Earnings coverage of net charge-offs (x) | 84.2857% | 608 |
| Efficiency ratio | 46.2170% | 5,804 |
| Assets per employee ($millions) | 5.8106% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 4,387 |
| Loan loss allowance to noncurrent loans | 269.0962% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 4,100 |
| Noncurrent loans to loans | 0.3868% | 4,054 |
| Net loans and leases to total assets | 71.9217% | 2,050 |
| Net loans and leases to deposits | 90.4249% | 1,527 |
| Net loans and leases to core deposits | 92.8423% | 2,107 |
| Total domestic deposits to total assets | 79.5375% | 4,851 |
| Equity capital to assets | 14.8505% | 728 |
| Core capital (leverage) ratio | 13.9077% | 836 |
| Tier 1 risk-based capital ratio | 19.3551% | 1,640 |
| Total risk-based capital ratio | 20.4027% | 1,661 |
| Memoranda: | ||
| Average total assets | $124,772,000 | 3,997 |
| Average earning assets | $117,011,000 | 3,959 |
| Average equity | $17,871,500 | 3,457 |
| Average total loans | $89,349,500 | 3,631 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 4,529 |
| Cost of funding earning assets | 0.2374% | 4,920 |
| Net interest margin | 3.4108% | 3,867 |
| Noninterest income to average assets | 0.2570% | 5,058 |
| Noninterest expense to average assets | 1.5942% | 5,922 |
| Loan and lease loss provision to assets | 0.0967% | 2,377 |
| Net operating income to assets | 1.7505% | 530 |
| Return on assets (ROA) | 1.7505% | 548 |
| Pretax return on assets | 1.7722% | 846 |
| Return on Equity (ROE) | 12.8181% | 1,096 |
| Retained earnings to average equity (ytd only) | 8.2170% | 846 |
| Net charge-offs to loans | 0.0204% | 3,855 |
| Credit loss provision to net charge-offs | 705.8824% | 471 |
| Earnings coverage of net charge-offs (x) | 136.4706% | 452 |
| Efficiency ratio | 46.0340% | 5,923 |
| Assets per employee ($millions) | 6.3761% | 1,157 |
| Cash dividends to net income (ytd only)* | 35.8951% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 4,874 |
| Loan loss allowance to noncurrent loans | 207.0218% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 3,869 |
| Noncurrent loans to loans | 0.4588% | 3,832 |
| Net loans and leases to total assets | 69.9179% | 2,373 |
| Net loans and leases to deposits | 87.2996% | 1,959 |
| Net loans and leases to core deposits | 89.1538% | 2,483 |
| Total domestic deposits to total assets | 80.0896% | 4,721 |
| Equity capital to assets | 13.8189% | 998 |
| Core capital (leverage) ratio | 13.5416% | 949 |
| Tier 1 risk-based capital ratio | 18.4000% | 1,855 |
| Total risk-based capital ratio | 19.3498% | 1,894 |
| Memoranda: | ||
| Average total assets | $124,138,200 | 4,004 |
| Average earning assets | $116,689,400 | 3,956 |
| Average equity | $16,952,600 | 3,534 |
| Average total loans | $83,251,000 | 3,737 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 4,591 |
| Cost of funding earning assets | 0.2284% | 5,109 |
| Net interest margin | 3.4152% | 3,892 |
| Noninterest income to average assets | 0.2931% | 4,852 |
| Noninterest expense to average assets | 1.5551% | 6,006 |
| Loan and lease loss provision to assets | 0.0973% | 2,226 |
| Net operating income to assets | 1.8395% | 475 |
| Return on assets (ROA) | 1.8395% | 498 |
| Pretax return on assets | 1.8589% | 786 |
| Return on Equity (ROE) | 13.5115% | 1,002 |
| Retained earnings to average equity (ytd only) | 8.8647% | 951 |
| Net charge-offs to loans | 0.0850% | 2,328 |
| Credit loss provision to net charge-offs | 173.0769% | 1,509 |
| Earnings coverage of net charge-offs (x) | 34.7893% | 1,364 |
| Efficiency ratio | 44.2870% | 6,030 |
| Assets per employee ($millions) | 5.5771% | 1,703 |
| Cash dividends to net income (ytd only)* | 34.3916% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 5,094 |
| Loan loss allowance to noncurrent loans | 204.6632% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 4,039 |
| Noncurrent loans to loans | 0.4523% | 3,993 |
| Net loans and leases to total assets | 68.9071% | 2,545 |
| Net loans and leases to deposits | 88.8575% | 1,787 |
| Net loans and leases to core deposits | 91.6678% | 2,298 |
| Total domestic deposits to total assets | 77.5479% | 5,255 |
| Equity capital to assets | 13.8699% | 1,076 |
| Core capital (leverage) ratio | 13.3550% | 1,070 |
| Tier 1 risk-based capital ratio | 19.0619% | 1,757 |
| Total risk-based capital ratio | 19.9864% | 1,804 |
| Memoranda: | ||
| Average total assets | $123,292,500 | 4,059 |
| Average earning assets | $116,184,000 | 4,002 |
| Average equity | $16,785,250 | 3,588 |
| Average total loans | $81,560,000 | 3,818 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6092% | 4,695 |
| Cost of funding earning assets | 0.2252% | 5,192 |
| Net interest margin | 3.3839% | 3,954 |
| Noninterest income to average assets | 0.3498% | 4,455 |
| Noninterest expense to average assets | 1.5240% | 6,101 |
| Loan and lease loss provision to assets | 0.0972% | 2,200 |
| Net operating income to assets | 1.9014% | 433 |
| Return on assets (ROA) | 1.9014% | 452 |
| Pretax return on assets | 1.9159% | 715 |
| Return on Equity (ROE) | 14.0534% | 892 |
| Retained earnings to average equity (ytd only) | 9.3849% | 807 |
| Net charge-offs to loans | 0.0623% | 2,489 |
| Credit loss provision to net charge-offs | 240.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | 49.7200% | 962 |
| Efficiency ratio | 43.0861% | 6,144 |
| Assets per employee ($millions) | 5.5838% | 1,672 |
| Cash dividends to net income (ytd only)* | 33.2198% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 5,096 |
| Loan loss allowance to noncurrent loans | 235.6287% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 4,309 |
| Noncurrent loans to loans | 0.4033% | 4,271 |
| Net loans and leases to total assets | 66.7763% | 2,826 |
| Net loans and leases to deposits | 84.1307% | 2,297 |
| Net loans and leases to core deposits | 86.3828% | 2,727 |
| Total domestic deposits to total assets | 79.3720% | 5,006 |
| Equity capital to assets | 13.7672% | 1,068 |
| Core capital (leverage) ratio | 13.0580% | 1,144 |
| Tier 1 risk-based capital ratio | 19.1296% | 1,766 |
| Total risk-based capital ratio | 20.0731% | 1,808 |
| Memoranda: | ||
| Average total assets | $123,491,000 | 4,082 |
| Average earning assets | $116,315,330 | 4,030 |
| Average equity | $16,707,670 | 3,609 |
| Average total loans | $80,301,000 | 3,868 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,878 |
| Cost of funding earning assets | 0.2225% | 5,292 |
| Net interest margin | 3.3104% | 4,169 |
| Noninterest income to average assets | 0.5169% | 3,174 |
| Noninterest expense to average assets | 1.4829% | 6,187 |
| Loan and lease loss provision to assets | 0.0969% | 2,081 |
| Net operating income to assets | 2.0611% | 303 |
| Return on assets (ROA) | 2.0611% | 320 |
| Pretax return on assets | 2.0611% | 529 |
| Return on Equity (ROE) | 15.3684% | 654 |
| Retained earnings to average equity (ytd only) | 15.3684% | 255 |
| Net charge-offs to loans | -0.0051% | 4,497 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7276% | 6,251 |
| Assets per employee ($millions) | 5.5559% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 4,999 |
| Loan loss allowance to noncurrent loans | 294.3609% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 4,606 |
| Noncurrent loans to loans | 0.3408% | 4,566 |
| Net loans and leases to total assets | 63.2193% | 3,207 |
| Net loans and leases to deposits | 78.2361% | 2,769 |
| Net loans and leases to core deposits | 80.5137% | 3,103 |
| Total domestic deposits to total assets | 80.8059% | 4,864 |
| Equity capital to assets | 13.9139% | 1,012 |
| Core capital (leverage) ratio | 13.1027% | 1,121 |
| Tier 1 risk-based capital ratio | 19.8964% | 1,655 |
| Total risk-based capital ratio | 19.8964% | 1,917 |
| Memoranda: | ||
| Average total assets | $123,815,000 | 4,109 |
| Average earning assets | $116,844,000 | 4,046 |
| Average equity | $16,605,500 | 3,650 |
| Average total loans | $79,043,000 | 3,926 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5275% | 5,258 |
| Cost of funding earning assets | 0.2380% | 5,443 |
| Net interest margin | 3.2895% | 4,618 |
| Noninterest income to average assets | 0.2209% | 5,539 |
| Noninterest expense to average assets | 1.6627% | 6,192 |
| Loan and lease loss provision to assets | 0.2145% | 1,164 |
| Net operating income to assets | 1.3953% | 1,091 |
| Return on assets (ROA) | 1.3953% | 1,122 |
| Pretax return on assets | 1.4403% | 1,756 |
| Return on Equity (ROE) | 11.1961% | 1,658 |
| Retained earnings to average equity (ytd only) | 5.0253% | 2,585 |
| Net charge-offs to loans | 0.4477% | 941 |
| Credit loss provision to net charge-offs | 79.5322% | 2,875 |
| Earnings coverage of net charge-offs (x) | 6.1345% | 3,267 |
| Efficiency ratio | 50.1189% | 6,086 |
| Assets per employee ($millions) | 5.7000% | 1,607 |
| Cash dividends to net income (ytd only)* | 55.1159% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 5,336 |
| Loan loss allowance to noncurrent loans | 320.0000% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 4,761 |
| Noncurrent loans to loans | 0.2936% | 4,799 |
| Net loans and leases to total assets | 63.2201% | 3,335 |
| Net loans and leases to deposits | 77.2126% | 3,056 |
| Net loans and leases to core deposits | 79.3709% | 3,369 |
| Total domestic deposits to total assets | 81.8780% | 4,463 |
| Equity capital to assets | 12.9219% | 1,405 |
| Core capital (leverage) ratio | 12.1236% | 1,546 |
| Tier 1 risk-based capital ratio | 17.7089% | 2,231 |
| Total risk-based capital ratio | 18.4858% | 2,364 |
| Memoranda: | ||
| Average total assets | $126,782,800 | 4,040 |
| Average earning assets | $119,347,800 | 3,985 |
| Average equity | $15,800,200 | 3,709 |
| Average total loans | $76,397,600 | 3,984 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5097% | 5,376 |
| Cost of funding earning assets | 0.2354% | 5,551 |
| Net interest margin | 3.2743% | 4,699 |
| Noninterest income to average assets | 0.2381% | 5,503 |
| Noninterest expense to average assets | 1.6225% | 6,270 |
| Loan and lease loss provision to assets | 0.1783% | 1,378 |
| Net operating income to assets | 1.4651% | 995 |
| Return on assets (ROA) | 1.4651% | 1,038 |
| Pretax return on assets | 1.5155% | 1,596 |
| Return on Equity (ROE) | 11.8644% | 1,512 |
| Retained earnings to average equity (ytd only) | 5.4948% | 2,757 |
| Net charge-offs to loans | 0.5934% | 626 |
| Credit loss provision to net charge-offs | 50.5952% | 3,089 |
| Earnings coverage of net charge-offs (x) | 4.8065% | 3,378 |
| Efficiency ratio | 48.9247% | 6,160 |
| Assets per employee ($millions) | 5.4189% | 1,801 |
| Cash dividends to net income (ytd only)* | 53.6867% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 5,717 |
| Loan loss allowance to noncurrent loans | 485.9259% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 5,246 |
| Noncurrent loans to loans | 0.1770% | 5,382 |
| Net loans and leases to total assets | 60.6852% | 3,677 |
| Net loans and leases to deposits | 76.6258% | 3,114 |
| Net loans and leases to core deposits | 78.8546% | 3,455 |
| Total domestic deposits to total assets | 79.1969% | 5,280 |
| Equity capital to assets | 13.0132% | 1,418 |
| Core capital (leverage) ratio | 12.1559% | 1,601 |
| Tier 1 risk-based capital ratio | 18.1863% | 2,151 |
| Total risk-based capital ratio | 18.9871% | 2,262 |
| Memoranda: | ||
| Average total assets | $127,128,500 | 4,061 |
| Average earning assets | $119,514,000 | 4,003 |
| Average equity | $15,699,250 | 3,733 |
| Average total loans | $75,489,500 | 4,049 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 5,423 |
| Cost of funding earning assets | 0.2332% | 5,640 |
| Net interest margin | 3.2594% | 4,743 |
| Noninterest income to average assets | 0.2595% | 5,339 |
| Noninterest expense to average assets | 1.5630% | 6,385 |
| Loan and lease loss provision to assets | 0.1250% | 1,974 |
| Net operating income to assets | 1.5692% | 762 |
| Return on assets (ROA) | 1.5692% | 793 |
| Pretax return on assets | 1.6302% | 1,181 |
| Return on Equity (ROE) | 12.9331% | 1,194 |
| Retained earnings to average equity (ytd only) | 6.4923% | 2,043 |
| Net charge-offs to loans | 0.8880% | 410 |
| Credit loss provision to net charge-offs | 23.9521% | 3,135 |
| Earnings coverage of net charge-offs (x) | 3.3623% | 3,326 |
| Efficiency ratio | 47.1032% | 6,322 |
| Assets per employee ($millions) | 5.8904% | 1,358 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 6,015 |
| Loan loss allowance to noncurrent loans | 89.8574% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 4,030 |
| Noncurrent loans to loans | 0.8724% | 3,515 |
| Net loans and leases to total assets | 58.0118% | 3,992 |
| Net loans and leases to deposits | 71.3753% | 3,651 |
| Net loans and leases to core deposits | 72.7656% | 3,973 |
| Total domestic deposits to total assets | 81.2771% | 4,886 |
| Equity capital to assets | 12.8788% | 1,440 |
| Core capital (leverage) ratio | 12.1004% | 1,605 |
| Tier 1 risk-based capital ratio | 18.8847% | 1,950 |
| Total risk-based capital ratio | 19.6092% | 2,072 |
| Memoranda: | ||
| Average total assets | $127,959,670 | 4,073 |
| Average earning assets | $120,081,670 | 4,006 |
| Average equity | $15,526,000 | 3,766 |
| Average total loans | $75,222,330 | 4,067 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4695% | 5,505 |
| Cost of funding earning assets | 0.2389% | 5,682 |
| Net interest margin | 3.2306% | 4,816 |
| Noninterest income to average assets | 0.3075% | 4,901 |
| Noninterest expense to average assets | 1.5374% | 6,468 |
| Loan and lease loss provision to assets | 0.0922% | 2,377 |
| Net operating income to assets | 1.6204% | 652 |
| Return on assets (ROA) | 1.6204% | 677 |
| Pretax return on assets | 1.7127% | 948 |
| Return on Equity (ROE) | 13.7566% | 987 |
| Retained earnings to average equity (ytd only) | 13.7566% | 415 |
| Net charge-offs to loans | 0.0574% | 2,583 |
| Credit loss provision to net charge-offs | 272.7273% | 847 |
| Earnings coverage of net charge-offs (x) | 53.3636% | 724 |
| Efficiency ratio | 45.9982% | 6,427 |
| Assets per employee ($millions) | 5.6967% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 4,935 |
| Loan loss allowance to noncurrent loans | 133.4921% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6670% | 4,118 |
| Noncurrent loans to loans | 0.8526% | 3,763 |
| Net loans and leases to total assets | 58.2887% | 3,796 |
| Net loans and leases to deposits | 70.3153% | 3,558 |
| Net loans and leases to core deposits | 71.7942% | 3,893 |
| Total domestic deposits to total assets | 82.8961% | 4,641 |
| Equity capital to assets | 12.6436% | 1,499 |
| Core capital (leverage) ratio | 11.7644% | 1,791 |
| Tier 1 risk-based capital ratio | 18.5662% | 2,102 |
| Total risk-based capital ratio | 19.3894% | 2,210 |
| Memoranda: | ||
| Average total assets | $130,090,000 | 4,065 |
| Average earning assets | $122,206,500 | 3,995 |
| Average equity | $15,323,500 | 3,805 |
| Average total loans | $76,670,000 | 4,043 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6621% | 5,239 |
| Cost of funding earning assets | 0.2965% | 5,629 |
| Net interest margin | 3.3656% | 4,420 |
| Noninterest income to average assets | 0.2180% | 5,776 |
| Noninterest expense to average assets | 1.4481% | 6,604 |
| Loan and lease loss provision to assets | 0.1133% | 2,923 |
| Net operating income to assets | 1.7676% | 515 |
| Return on assets (ROA) | 1.7676% | 532 |
| Pretax return on assets | 1.7834% | 784 |
| Return on Equity (ROE) | 15.3139% | 712 |
| Retained earnings to average equity (ytd only) | 8.9047% | 794 |
| Net charge-offs to loans | 0.2016% | 2,861 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 16.7361% | 1,775 |
| Efficiency ratio | 43.2941% | 6,630 |
| Assets per employee ($millions) | 6.4215% | 1,025 |
| Cash dividends to net income (ytd only)* | 41.8522% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 5,398 |
| Loan loss allowance to noncurrent loans | 498.1818% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 5,395 |
| Noncurrent loans to loans | 0.2077% | 5,562 |
| Net loans and leases to total assets | 58.3047% | 3,978 |
| Net loans and leases to deposits | 75.0324% | 3,095 |
| Net loans and leases to core deposits | 76.9799% | 3,494 |
| Total domestic deposits to total assets | 77.7059% | 5,870 |
| Equity capital to assets | 10.9757% | 2,630 |
| Core capital (leverage) ratio | 11.1813% | 2,215 |
| Tier 1 risk-based capital ratio | 16.4951% | 2,858 |
| Total risk-based capital ratio | 17.2734% | 3,041 |
| Memoranda: | ||
| Average total assets | $127,063,800 | 4,127 |
| Average earning assets | $118,047,600 | 4,086 |
| Average equity | $14,666,400 | 3,929 |
| Average total loans | $71,440,000 | 4,208 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 5,216 |
| Cost of funding earning assets | 0.3028% | 5,708 |
| Net interest margin | 3.3780% | 4,367 |
| Noninterest income to average assets | 0.2195% | 5,858 |
| Noninterest expense to average assets | 1.3896% | 6,700 |
| Loan and lease loss provision to assets | 0.1151% | 2,851 |
| Net operating income to assets | 1.8350% | 490 |
| Return on assets (ROA) | 1.8350% | 506 |
| Pretax return on assets | 1.8532% | 793 |
| Return on Equity (ROE) | 15.6904% | 684 |
| Retained earnings to average equity (ytd only) | 9.3122% | 962 |
| Net charge-offs to loans | 0.2189% | 2,511 |
| Credit loss provision to net charge-offs | 94.7368% | 2,513 |
| Earnings coverage of net charge-offs (x) | 16.2014% | 1,821 |
| Efficiency ratio | 41.3837% | 6,723 |
| Assets per employee ($millions) | 6.0347% | 1,220 |
| Cash dividends to net income (ytd only)* | 40.6505% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 5,161 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 5,538 |
| Noncurrent loans to loans | 0.2683% | 5,562 |
| Net loans and leases to total assets | 55.8227% | 4,346 |
| Net loans and leases to deposits | 70.0877% | 3,775 |
| Net loans and leases to core deposits | 71.9767% | 4,096 |
| Total domestic deposits to total assets | 79.6470% | 5,594 |
| Equity capital to assets | 11.5231% | 2,287 |
| Core capital (leverage) ratio | 11.2672% | 2,232 |
| Tier 1 risk-based capital ratio | 17.7517% | 2,421 |
| Total risk-based capital ratio | 18.5969% | 2,535 |
| Memoranda: | ||
| Average total assets | $125,116,750 | 4,202 |
| Average earning assets | $116,240,500 | 4,171 |
| Average equity | $14,632,750 | 3,984 |
| Average total loans | $69,438,250 | 4,319 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 5,118 |
| Cost of funding earning assets | 0.3187% | 5,674 |
| Net interest margin | 3.3904% | 4,225 |
| Noninterest income to average assets | 0.2183% | 5,875 |
| Noninterest expense to average assets | 1.3164% | 6,779 |
| Loan and lease loss provision to assets | 0.1156% | 2,880 |
| Net operating income to assets | 1.8896% | 429 |
| Return on assets (ROA) | 1.8896% | 467 |
| Pretax return on assets | 1.9120% | 734 |
| Return on Equity (ROE) | 16.0763% | 656 |
| Retained earnings to average equity (ytd only) | 9.7933% | 891 |
| Net charge-offs to loans | 0.3317% | 1,859 |
| Credit loss provision to net charge-offs | 63.1579% | 2,961 |
| Earnings coverage of net charge-offs (x) | 11.0789% | 2,087 |
| Efficiency ratio | 39.3663% | 6,816 |
| Assets per employee ($millions) | 5.8217% | 1,337 |
| Cash dividends to net income (ytd only)* | 39.0824% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,186 |
| Loan loss allowance to noncurrent loans | 222.2222% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 5,104 |
| Noncurrent loans to loans | 0.5229% | 4,958 |
| Net loans and leases to total assets | 54.2648% | 4,549 |
| Net loans and leases to deposits | 63.3107% | 4,580 |
| Net loans and leases to core deposits | 65.1133% | 4,777 |
| Total domestic deposits to total assets | 85.7119% | 3,520 |
| Equity capital to assets | 11.8121% | 2,035 |
| Core capital (leverage) ratio | 11.5099% | 1,929 |
| Tier 1 risk-based capital ratio | 18.4641% | 2,156 |
| Total risk-based capital ratio | 19.3588% | 2,242 |
| Memoranda: | ||
| Average total assets | $124,579,670 | 4,245 |
| Average earning assets | $114,855,000 | 4,235 |
| Average equity | $14,642,670 | 4,016 |
| Average total loans | $68,731,330 | 4,358 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 5,165 |
| Cost of funding earning assets | 0.3094% | 5,897 |
| Net interest margin | 3.3900% | 4,155 |
| Noninterest income to average assets | 0.2863% | 5,413 |
| Noninterest expense to average assets | 1.4824% | 6,757 |
| Loan and lease loss provision to assets | 0.1145% | 2,801 |
| Net operating income to assets | 1.7560% | 514 |
| Return on assets (ROA) | 1.7560% | 571 |
| Pretax return on assets | 1.7910% | 896 |
| Return on Equity (ROE) | 14.9761% | 775 |
| Retained earnings to average equity (ytd only) | 14.9761% | 355 |
| Net charge-offs to loans | 0.5637% | 1,078 |
| Credit loss provision to net charge-offs | 36.7347% | 2,790 |
| Earnings coverage of net charge-offs (x) | 6.1122% | 2,274 |
| Efficiency ratio | 43.7559% | 6,782 |
| Assets per employee ($millions) | 5.2442% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 5,321 |
| Loan loss allowance to noncurrent loans | 262.9758% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 5,502 |
| Noncurrent loans to loans | 0.4451% | 5,306 |
| Net loans and leases to total assets | 53.2031% | 4,531 |
| Net loans and leases to deposits | 60.8894% | 4,697 |
| Net loans and leases to core deposits | 62.2739% | 4,931 |
| Total domestic deposits to total assets | 87.3766% | 2,703 |
| Equity capital to assets | 12.4435% | 1,743 |
| Core capital (leverage) ratio | 11.1900% | 2,106 |
| Tier 1 risk-based capital ratio | 18.8273% | 2,088 |
| Total risk-based capital ratio | 19.7883% | 2,148 |
| Memoranda: | ||
| Average total assets | $125,741,500 | 4,268 |
| Average earning assets | $115,044,500 | 4,265 |
| Average equity | $14,743,500 | 4,049 |
| Average total loans | $69,536,000 | 4,359 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 5,471 |
| Cost of funding earning assets | 0.4092% | 5,853 |
| Net interest margin | 3.5303% | 4,372 |
| Noninterest income to average assets | 0.3299% | 5,096 |
| Noninterest expense to average assets | 1.7897% | 6,640 |
| Loan and lease loss provision to assets | 0.0786% | 4,725 |
| Net operating income to assets | 1.7283% | 585 |
| Return on assets (ROA) | 1.7283% | 656 |
| Pretax return on assets | 1.7602% | 999 |
| Return on Equity (ROE) | 15.2518% | 767 |
| Retained earnings to average equity (ytd only) | 10.0499% | 591 |
| Net charge-offs to loans | 0.2029% | 3,758 |
| Credit loss provision to net charge-offs | 69.0647% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.1583% | 1,598 |
| Efficiency ratio | 49.3231% | 6,633 |
| Assets per employee ($millions) | 5.9485% | 1,319 |
| Cash dividends to net income (ytd only)* | 34.1071% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 5,523 |
| Loan loss allowance to noncurrent loans | 199.5146% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 5,453 |
| Noncurrent loans to loans | 0.5557% | 5,137 |
| Net loans and leases to total assets | 56.0252% | 4,287 |
| Net loans and leases to deposits | 68.7270% | 3,872 |
| Net loans and leases to core deposits | 70.1682% | 4,288 |
| Total domestic deposits to total assets | 81.5185% | 5,255 |
| Equity capital to assets | 11.0632% | 2,878 |
| Core capital (leverage) ratio | 10.7417% | 2,505 |
| Tier 1 risk-based capital ratio | 15.9526% | 3,189 |
| Total risk-based capital ratio | 16.8910% | 3,311 |
| Memoranda: | ||
| Average total assets | $122,144,800 | 4,312 |
| Average earning assets | $114,127,000 | 4,246 |
| Average equity | $13,841,000 | 4,195 |
| Average total loans | $68,517,800 | 4,404 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 5,602 |
| Cost of funding earning assets | 0.4279% | 5,941 |
| Net interest margin | 3.5424% | 4,481 |
| Noninterest income to average assets | 0.3834% | 4,759 |
| Noninterest expense to average assets | 1.8494% | 6,614 |
| Loan and lease loss provision to assets | 0.0800% | 4,631 |
| Net operating income to assets | 1.7471% | 630 |
| Return on assets (ROA) | 1.7471% | 699 |
| Pretax return on assets | 1.7849% | 1,085 |
| Return on Equity (ROE) | 15.3193% | 846 |
| Retained earnings to average equity (ytd only) | 10.0570% | 901 |
| Net charge-offs to loans | 0.2483% | 3,231 |
| Credit loss provision to net charge-offs | 57.6000% | 4,219 |
| Earnings coverage of net charge-offs (x) | 13.4242% | 1,913 |
| Efficiency ratio | 49.7905% | 6,603 |
| Assets per employee ($millions) | 5.5519% | 1,588 |
| Cash dividends to net income (ytd only)* | 34.3510% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,317 |
| Loan loss allowance to noncurrent loans | 174.6237% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 5,422 |
| Noncurrent loans to loans | 0.6831% | 5,074 |
| Net loans and leases to total assets | 55.0700% | 4,586 |
| Net loans and leases to deposits | 67.1924% | 4,312 |
| Net loans and leases to core deposits | 68.2956% | 4,696 |
| Total domestic deposits to total assets | 81.9586% | 5,042 |
| Equity capital to assets | 11.6611% | 2,581 |
| Core capital (leverage) ratio | 10.4538% | 2,973 |
| Tier 1 risk-based capital ratio | 16.9538% | 2,755 |
| Total risk-based capital ratio | 17.8300% | 2,927 |
| Memoranda: | ||
| Average total assets | $119,964,500 | 4,404 |
| Average earning assets | $112,803,000 | 4,325 |
| Average equity | $13,681,750 | 4,265 |
| Average total loans | $67,112,250 | 4,500 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9828% | 5,698 |
| Cost of funding earning assets | 0.4469% | 5,990 |
| Net interest margin | 3.5359% | 4,524 |
| Noninterest income to average assets | 0.4462% | 4,324 |
| Noninterest expense to average assets | 1.8719% | 6,653 |
| Loan and lease loss provision to assets | 0.0805% | 4,592 |
| Net operating income to assets | 1.7779% | 587 |
| Return on assets (ROA) | 1.7779% | 656 |
| Pretax return on assets | 1.8249% | 991 |
| Return on Equity (ROE) | 15.7099% | 815 |
| Retained earnings to average equity (ytd only) | 10.3745% | 876 |
| Net charge-offs to loans | 0.2186% | 3,261 |
| Credit loss provision to net charge-offs | 65.7534% | 3,666 |
| Earnings coverage of net charge-offs (x) | 15.5616% | 1,642 |
| Efficiency ratio | 49.5560% | 6,675 |
| Assets per employee ($millions) | 5.3582% | 1,756 |
| Cash dividends to net income (ytd only)* | 33.9623% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,098 |
| Loan loss allowance to noncurrent loans | 176.1006% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 5,425 |
| Noncurrent loans to loans | 0.7134% | 5,076 |
| Net loans and leases to total assets | 53.5723% | 4,867 |
| Net loans and leases to deposits | 65.3004% | 4,604 |
| Net loans and leases to core deposits | 66.3618% | 4,956 |
| Total domestic deposits to total assets | 82.0398% | 5,114 |
| Equity capital to assets | 11.2286% | 2,863 |
| Core capital (leverage) ratio | 10.6313% | 2,686 |
| Tier 1 risk-based capital ratio | 16.7174% | 2,802 |
| Total risk-based capital ratio | 17.5968% | 2,958 |
| Memoranda: | ||
| Average total assets | $119,239,000 | 4,439 |
| Average earning assets | $112,332,330 | 4,357 |
| Average equity | $13,494,670 | 4,298 |
| Average total loans | $66,791,330 | 4,530 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 5,515 |
| Cost of funding earning assets | 0.4754% | 5,979 |
| Net interest margin | 3.6074% | 4,235 |
| Noninterest income to average assets | 0.6141% | 3,143 |
| Noninterest expense to average assets | 1.8833% | 6,675 |
| Loan and lease loss provision to assets | 0.0819% | 4,365 |
| Net operating income to assets | 1.9618% | 453 |
| Return on assets (ROA) | 1.9618% | 520 |
| Pretax return on assets | 2.0403% | 689 |
| Return on Equity (ROE) | 17.2634% | 631 |
| Retained earnings to average equity (ytd only) | 17.2634% | 293 |
| Net charge-offs to loans | 0.0479% | 4,031 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 77.7500% | 430 |
| Efficiency ratio | 47.0187% | 6,851 |
| Assets per employee ($millions) | 5.0274% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,659 |
| Loan loss allowance to noncurrent loans | 202.9954% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 5,448 |
| Noncurrent loans to loans | 0.6847% | 5,290 |
| Net loans and leases to total assets | 54.0534% | 4,713 |
| Net loans and leases to deposits | 62.2003% | 4,881 |
| Net loans and leases to core deposits | 62.8945% | 5,231 |
| Total domestic deposits to total assets | 86.9022% | 3,015 |
| Equity capital to assets | 11.7997% | 2,186 |
| Core capital (leverage) ratio | 10.6643% | 2,586 |
| Tier 1 risk-based capital ratio | 17.5218% | 2,468 |
| Total risk-based capital ratio | 18.4543% | 2,564 |
| Memoranda: | ||
| Average total assets | $117,239,000 | 4,509 |
| Average earning assets | $110,218,000 | 4,432 |
| Average equity | $13,323,000 | 4,345 |
| Average total loans | $66,756,000 | 4,555 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 5,265 |
| Cost of funding earning assets | 0.6989% | 5,549 |
| Net interest margin | 3.7463% | 4,097 |
| Noninterest income to average assets | 0.3825% | 4,769 |
| Noninterest expense to average assets | 2.1333% | 6,423 |
| Loan and lease loss provision to assets | 0.0975% | 5,375 |
| Net operating income to assets | 1.6273% | 632 |
| Return on assets (ROA) | 1.6273% | 686 |
| Pretax return on assets | 1.6450% | 1,110 |
| Return on Equity (ROE) | 14.1870% | 889 |
| Retained earnings to average equity (ytd only) | 9.2098% | 747 |
| Net charge-offs to loans | 0.1517% | 4,926 |
| Credit loss provision to net charge-offs | 106.0606% | 3,213 |
| Earnings coverage of net charge-offs (x) | 18.9596% | 1,187 |
| Efficiency ratio | 55.0419% | 6,414 |
| Assets per employee ($millions) | 4.9520% | 2,267 |
| Cash dividends to net income (ytd only)* | 35.0827% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 5,248 |
| Loan loss allowance to noncurrent loans | 193.0804% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5966% | 5,472 |
| Noncurrent loans to loans | 0.6388% | 5,433 |
| Net loans and leases to total assets | 58.2795% | 4,316 |
| Net loans and leases to deposits | 71.4555% | 3,880 |
| Net loans and leases to core deposits | 72.2818% | 4,478 |
| Total domestic deposits to total assets | 81.5605% | 5,278 |
| Equity capital to assets | 10.9400% | 3,039 |
| Core capital (leverage) ratio | 10.4492% | 2,789 |
| Tier 1 risk-based capital ratio | 15.2712% | 3,470 |
| Total risk-based capital ratio | 16.1704% | 3,654 |
| Memoranda: | ||
| Average total assets | $107,722,600 | 4,692 |
| Average earning assets | $100,446,000 | 4,632 |
| Average equity | $12,356,400 | 4,465 |
| Average total loans | $65,268,400 | 4,665 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 5,127 |
| Cost of funding earning assets | 0.7483% | 5,476 |
| Net interest margin | 3.7908% | 3,918 |
| Noninterest income to average assets | 0.3075% | 5,397 |
| Noninterest expense to average assets | 2.0316% | 6,631 |
| Loan and lease loss provision to assets | 0.1334% | 4,763 |
| Net operating income to assets | 1.6479% | 709 |
| Return on assets (ROA) | 1.6479% | 775 |
| Pretax return on assets | 1.6695% | 1,205 |
| Return on Equity (ROE) | 14.1803% | 1,002 |
| Retained earnings to average equity (ytd only) | 9.0964% | 1,114 |
| Net charge-offs to loans | 0.1499% | 4,568 |
| Credit loss provision to net charge-offs | 145.8333% | 2,167 |
| Earnings coverage of net charge-offs (x) | 19.7078% | 1,250 |
| Efficiency ratio | 52.9821% | 6,596 |
| Assets per employee ($millions) | 4.5161% | 2,886 |
| Cash dividends to net income (ytd only)* | 35.8517% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 4,632 |
| Loan loss allowance to noncurrent loans | 303.7415% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 5,692 |
| Noncurrent loans to loans | 0.4553% | 5,936 |
| Net loans and leases to total assets | 58.7493% | 4,365 |
| Net loans and leases to deposits | 70.8164% | 4,161 |
| Net loans and leases to core deposits | 71.6991% | 4,752 |
| Total domestic deposits to total assets | 82.9600% | 4,700 |
| Equity capital to assets | 11.7497% | 2,451 |
| Core capital (leverage) ratio | 10.7019% | 2,662 |
| Tier 1 risk-based capital ratio | 16.3162% | 2,961 |
| Total risk-based capital ratio | 17.3070% | 3,051 |
| Memoranda: | ||
| Average total assets | $104,941,250 | 4,790 |
| Average earning assets | $97,638,250 | 4,727 |
| Average equity | $12,195,000 | 4,515 |
| Average total loans | $64,053,250 | 4,749 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 5,116 |
| Cost of funding earning assets | 0.7765% | 5,530 |
| Net interest margin | 3.7889% | 3,841 |
| Noninterest income to average assets | 0.3102% | 5,409 |
| Noninterest expense to average assets | 1.9770% | 6,839 |
| Loan and lease loss provision to assets | 0.1734% | 4,197 |
| Net operating income to assets | 1.6456% | 673 |
| Return on assets (ROA) | 1.6456% | 716 |
| Pretax return on assets | 1.6764% | 1,099 |
| Return on Equity (ROE) | 14.2156% | 933 |
| Retained earnings to average equity (ytd only) | 8.8057% | 1,174 |
| Net charge-offs to loans | 0.1158% | 4,547 |
| Credit loss provision to net charge-offs | 243.2432% | 1,247 |
| Earnings coverage of net charge-offs (x) | 25.9459% | 1,029 |
| Efficiency ratio | 51.6616% | 6,814 |
| Assets per employee ($millions) | 4.5012% | 2,831 |
| Cash dividends to net income (ytd only)* | 38.0562% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 4,135 |
| Loan loss allowance to noncurrent loans | 133.5286% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 4,987 |
| Noncurrent loans to loans | 1.1233% | 4,786 |
| Net loans and leases to total assets | 57.8487% | 4,659 |
| Net loans and leases to deposits | 67.9160% | 4,722 |
| Net loans and leases to core deposits | 69.0323% | 5,182 |
| Total domestic deposits to total assets | 85.1768% | 3,796 |
| Equity capital to assets | 11.9273% | 2,144 |
| Core capital (leverage) ratio | 10.7821% | 2,441 |
| Tier 1 risk-based capital ratio | 16.8699% | 2,577 |
| Total risk-based capital ratio | 17.9976% | 2,587 |
| Memoranda: | ||
| Average total assets | $103,793,000 | 4,860 |
| Average earning assets | $96,334,000 | 4,802 |
| Average equity | $12,015,000 | 4,558 |
| Average total loans | $63,881,330 | 4,798 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 5,159 |
| Cost of funding earning assets | 0.7970% | 5,588 |
| Net interest margin | 3.7553% | 3,818 |
| Noninterest income to average assets | 0.3387% | 5,196 |
| Noninterest expense to average assets | 1.9822% | 6,854 |
| Loan and lease loss provision to assets | 0.1732% | 3,895 |
| Net operating income to assets | 1.5934% | 703 |
| Return on assets (ROA) | 1.5934% | 748 |
| Pretax return on assets | 1.6473% | 1,088 |
| Return on Equity (ROE) | 13.9765% | 998 |
| Retained earnings to average equity (ytd only) | 13.9765% | 475 |
| Net charge-offs to loans | 0.2813% | 2,941 |
| Credit loss provision to net charge-offs | 97.8261% | 2,791 |
| Earnings coverage of net charge-offs (x) | 10.2826% | 1,648 |
| Efficiency ratio | 52.1255% | 6,847 |
| Assets per employee ($millions) | 4.4387% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 4,557 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 5,591 |
| Noncurrent loans to loans | 0.6465% | 5,737 |
| Net loans and leases to total assets | 58.2502% | 4,604 |
| Net loans and leases to deposits | 66.2755% | 4,934 |
| Net loans and leases to core deposits | 67.4979% | 5,361 |
| Total domestic deposits to total assets | 87.8910% | 2,432 |
| Equity capital to assets | 11.8495% | 2,012 |
| Core capital (leverage) ratio | 10.5387% | 2,573 |
| Tier 1 risk-based capital ratio | 16.9032% | 2,517 |
| Total risk-based capital ratio | 18.0801% | 2,504 |
| Memoranda: | ||
| Average total assets | $103,926,000 | 4,893 |
| Average earning assets | $95,863,500 | 4,855 |
| Average equity | $11,848,500 | 4,588 |
| Average total loans | $65,421,500 | 4,790 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 4,272 |
| Cost of funding earning assets | 1.0236% | 5,572 |
| Net interest margin | 4.0392% | 2,842 |
| Noninterest income to average assets | 0.3259% | 5,454 |
| Noninterest expense to average assets | 2.3943% | 6,098 |
| Loan and lease loss provision to assets | 0.2113% | 5,140 |
| Net operating income to assets | 1.3973% | 958 |
| Return on assets (ROA) | 1.3973% | 1,029 |
| Pretax return on assets | 1.4165% | 1,617 |
| Return on Equity (ROE) | 11.8556% | 1,346 |
| Retained earnings to average equity (ytd only) | 3.4056% | 3,486 |
| Net charge-offs to loans | 0.3714% | 4,175 |
| Credit loss provision to net charge-offs | 86.7769% | 5,248 |
| Earnings coverage of net charge-offs (x) | 6.6860% | 2,305 |
| Efficiency ratio | 59.5298% | 6,117 |
| Assets per employee ($millions) | 4.5984% | 2,708 |
| Cash dividends to net income (ytd only)* | 71.2743% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 5,417 |
| Loan loss allowance to noncurrent loans | 219.3878% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 5,724 |
| Noncurrent loans to loans | 0.5559% | 5,936 |
| Net loans and leases to total assets | 65.8624% | 3,498 |
| Net loans and leases to deposits | 82.1332% | 2,773 |
| Net loans and leases to core deposits | 83.7366% | 3,634 |
| Total domestic deposits to total assets | 80.1897% | 5,779 |
| Equity capital to assets | 10.9679% | 2,717 |
| Core capital (leverage) ratio | 10.6008% | 2,463 |
| Tier 1 risk-based capital ratio | 14.1948% | 3,740 |
| Total risk-based capital ratio | 15.1245% | 3,929 |
| Memoranda: | ||
| Average total assets | $99,402,800 | 5,003 |
| Average earning assets | $90,957,600 | 4,985 |
| Average equity | $11,716,000 | 4,688 |
| Average total loans | $65,159,000 | 4,863 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 4,066 |
| Cost of funding earning assets | 1.0782% | 5,556 |
| Net interest margin | 4.0746% | 2,739 |
| Noninterest income to average assets | 0.3012% | 5,735 |
| Noninterest expense to average assets | 2.3745% | 6,101 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6316% | 699 |
| Return on assets (ROA) | 1.6316% | 763 |
| Pretax return on assets | 1.6562% | 1,202 |
| Return on Equity (ROE) | 13.5884% | 1,126 |
| Retained earnings to average equity (ytd only) | 5.5852% | 2,599 |
| Net charge-offs to loans | 0.5327% | 3,171 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 4.7647% | 2,932 |
| Efficiency ratio | 58.9111% | 6,121 |
| Assets per employee ($millions) | 4.1233% | 3,610 |
| Cash dividends to net income (ytd only)* | 58.8975% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,510 |
| Loan loss allowance to noncurrent loans | 149.2958% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 5,679 |
| Noncurrent loans to loans | 0.6509% | 5,904 |
| Net loans and leases to total assets | 65.4978% | 3,798 |
| Net loans and leases to deposits | 77.6909% | 3,884 |
| Net loans and leases to core deposits | 79.2323% | 4,626 |
| Total domestic deposits to total assets | 84.3056% | 3,959 |
| Equity capital to assets | 12.3071% | 1,967 |
| Core capital (leverage) ratio | 10.9530% | 2,292 |
| Tier 1 risk-based capital ratio | 15.3813% | 3,055 |
| Total risk-based capital ratio | 16.3109% | 3,212 |
| Memoranda: | ||
| Average total assets | $97,812,750 | 5,114 |
| Average earning assets | $89,527,250 | 5,090 |
| Average equity | $11,745,000 | 4,755 |
| Average total loans | $63,819,250 | 4,988 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1625% | 4,128 |
| Cost of funding earning assets | 1.1290% | 5,528 |
| Net interest margin | 4.0336% | 2,857 |
| Noninterest income to average assets | 0.3387% | 5,436 |
| Noninterest expense to average assets | 2.2662% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7469% | 529 |
| Return on assets (ROA) | 1.7469% | 582 |
| Pretax return on assets | 1.7469% | 964 |
| Return on Equity (ROE) | 14.6720% | 915 |
| Retained earnings to average equity (ytd only) | 7.4308% | 1,663 |
| Net charge-offs to loans | 0.3572% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 7.5310% | 2,286 |
| Efficiency ratio | 56.4706% | 6,578 |
| Assets per employee ($millions) | 4.1447% | 3,499 |
| Cash dividends to net income (ytd only)* | 49.3537% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 5,194 |
| Loan loss allowance to noncurrent loans | 92.1893% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1403% | 4,850 |
| Noncurrent loans to loans | 1.3543% | 4,681 |
| Net loans and leases to total assets | 64.6354% | 4,124 |
| Net loans and leases to deposits | 76.4170% | 4,253 |
| Net loans and leases to core deposits | 78.0154% | 4,946 |
| Total domestic deposits to total assets | 84.5825% | 3,830 |
| Equity capital to assets | 12.3061% | 1,925 |
| Core capital (leverage) ratio | 11.1199% | 2,154 |
| Tier 1 risk-based capital ratio | 15.8800% | 2,724 |
| Total risk-based capital ratio | 16.9626% | 2,764 |
| Memoranda: | ||
| Average total assets | $97,430,670 | 5,155 |
| Average earning assets | $88,754,670 | 5,143 |
| Average equity | $11,600,330 | 4,783 |
| Average total loans | $63,275,000 | 5,042 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 4,489 |
| Cost of funding earning assets | 1.1731% | 5,540 |
| Net interest margin | 3.9358% | 3,170 |
| Noninterest income to average assets | 0.4468% | 4,506 |
| Noninterest expense to average assets | 2.2339% | 6,597 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7221% | 588 |
| Return on assets (ROA) | 1.7221% | 641 |
| Pretax return on assets | 1.7831% | 908 |
| Return on Equity (ROE) | 14.7031% | 926 |
| Retained earnings to average equity (ytd only) | 11.2354% | 873 |
| Net charge-offs to loans | 0.5964% | 2,316 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.6211% | 2,590 |
| Efficiency ratio | 55.6117% | 6,824 |
| Assets per employee ($millions) | 3.9396% | 4,018 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 4,988 |
| Loan loss allowance to noncurrent loans | 213.4048% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 5,858 |
| Noncurrent loans to loans | 0.6044% | 6,094 |
| Net loans and leases to total assets | 64.4336% | 4,237 |
| Net loans and leases to deposits | 78.4057% | 3,961 |
| Net loans and leases to core deposits | 80.1078% | 4,752 |
| Total domestic deposits to total assets | 82.1798% | 4,995 |
| Equity capital to assets | 12.4146% | 1,799 |
| Core capital (leverage) ratio | 10.8700% | 2,319 |
| Tier 1 risk-based capital ratio | 15.7200% | 2,766 |
| Total risk-based capital ratio | 16.8842% | 2,760 |
| Memoranda: | ||
| Average total assets | $98,482,500 | 5,193 |
| Average earning assets | $89,334,000 | 5,183 |
| Average equity | $11,535,000 | 4,840 |
| Average total loans | $63,715,500 | 5,102 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 5,058 |
| Cost of funding earning assets | 1.4330% | 5,792 |
| Net interest margin | 3.8923% | 3,296 |
| Noninterest income to average assets | 0.2895% | 6,040 |
| Noninterest expense to average assets | 2.1481% | 7,087 |
| Loan and lease loss provision to assets | 0.0663% | 6,913 |
| Net operating income to assets | 1.6292% | 510 |
| Return on assets (ROA) | 1.6292% | 540 |
| Pretax return on assets | 1.6363% | 889 |
| Return on Equity (ROE) | 14.9864% | 673 |
| Retained earnings to average equity (ytd only) | 7.6714% | 783 |
| Net charge-offs to loans | 0.0717% | 6,396 |
| Credit loss provision to net charge-offs | 144.4444% | 3,305 |
| Earnings coverage of net charge-offs (x) | 37.1111% | 640 |
| Efficiency ratio | 55.7850% | 7,045 |
| Assets per employee ($millions) | 4.4528% | 3,005 |
| Cash dividends to net income (ytd only)* | 48.8110% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,453 |
| Loan loss allowance to noncurrent loans | 204.8276% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 5,781 |
| Noncurrent loans to loans | 0.6620% | 5,918 |
| Net loans and leases to total assets | 63.2935% | 4,753 |
| Net loans and leases to deposits | 73.4011% | 5,135 |
| Net loans and leases to core deposits | 81.8015% | 5,930 |
| Total domestic deposits to total assets | 86.2296% | 2,899 |
| Equity capital to assets | 11.0648% | 2,661 |
| Core capital (leverage) ratio | 10.3973% | 2,692 |
| Tier 1 risk-based capital ratio | 14.0973% | 3,441 |
| Total risk-based capital ratio | 15.1803% | 3,498 |
| Memoranda: | ||
| Average total assets | $98,084,800 | 5,137 |
| Average earning assets | $89,741,200 | 5,131 |
| Average equity | $10,663,000 | 5,113 |
| Average total loans | $62,786,200 | 5,141 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3724% | 5,080 |
| Cost of funding earning assets | 1.4930% | 5,851 |
| Net interest margin | 3.8794% | 3,313 |
| Noninterest income to average assets | 0.3065% | 6,025 |
| Noninterest expense to average assets | 2.1593% | 7,081 |
| Loan and lease loss provision to assets | 0.0893% | 6,475 |
| Net operating income to assets | 1.6247% | 634 |
| Return on assets (ROA) | 1.6247% | 685 |
| Pretax return on assets | 1.6329% | 1,105 |
| Return on Equity (ROE) | 15.0152% | 770 |
| Retained earnings to average equity (ytd only) | 8.0919% | 1,111 |
| Net charge-offs to loans | 0.1440% | 5,254 |
| Credit loss provision to net charge-offs | 97.0149% | 5,266 |
| Earnings coverage of net charge-offs (x) | 18.7017% | 1,337 |
| Efficiency ratio | 55.6303% | 7,051 |
| Assets per employee ($millions) | 3.6527% | 4,535 |
| Cash dividends to net income (ytd only)* | 46.1084% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 3,932 |
| Loan loss allowance to noncurrent loans | 317.1533% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 6,066 |
| Noncurrent loans to loans | 0.4420% | 6,442 |
| Net loans and leases to total assets | 64.3628% | 4,785 |
| Net loans and leases to deposits | 73.5855% | 5,429 |
| Net loans and leases to core deposits | 83.3108% | 6,088 |
| Total domestic deposits to total assets | 87.4667% | 1,909 |
| Equity capital to assets | 11.5762% | 2,527 |
| Core capital (leverage) ratio | 10.3217% | 2,955 |
| Tier 1 risk-based capital ratio | 14.7949% | 3,135 |
| Total risk-based capital ratio | 15.9593% | 3,124 |
| Memoranda: | ||
| Average total assets | $97,002,250 | 5,212 |
| Average earning assets | $89,393,750 | 5,182 |
| Average equity | $10,495,750 | 5,206 |
| Average total loans | $62,054,500 | 5,211 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4422% | 4,929 |
| Cost of funding earning assets | 1.5454% | 5,946 |
| Net interest margin | 3.8968% | 3,129 |
| Noninterest income to average assets | 0.3174% | 5,965 |
| Noninterest expense to average assets | 2.1028% | 7,271 |
| Loan and lease loss provision to assets | 0.1229% | 5,881 |
| Net operating income to assets | 1.6667% | 597 |
| Return on assets (ROA) | 1.6667% | 659 |
| Pretax return on assets | 1.6749% | 1,069 |
| Return on Equity (ROE) | 15.7604% | 725 |
| Retained earnings to average equity (ytd only) | 8.4030% | 1,089 |
| Net charge-offs to loans | 0.0258% | 6,119 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 109.7500% | 348 |
| Efficiency ratio | 53.9108% | 7,345 |
| Assets per employee ($millions) | 3.8240% | 4,044 |
| Cash dividends to net income (ytd only)* | 46.6830% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 3,267 |
| Loan loss allowance to noncurrent loans | 163.3628% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 5,267 |
| Noncurrent loans to loans | 0.9104% | 5,397 |
| Net loans and leases to total assets | 63.9515% | 4,992 |
| Net loans and leases to deposits | 73.4661% | 5,538 |
| Net loans and leases to core deposits | 85.2642% | 5,989 |
| Total domestic deposits to total assets | 87.0490% | 2,234 |
| Equity capital to assets | 10.9750% | 2,943 |
| Core capital (leverage) ratio | 10.2099% | 3,085 |
| Tier 1 risk-based capital ratio | 14.5200% | 3,231 |
| Total risk-based capital ratio | 15.7293% | 3,203 |
| Memoranda: | ||
| Average total assets | $97,679,330 | 5,226 |
| Average earning assets | $89,817,000 | 5,209 |
| Average equity | $10,329,670 | 5,275 |
| Average total loans | $62,074,330 | 5,252 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3650% | 5,593 |
| Cost of funding earning assets | 1.5785% | 6,121 |
| Net interest margin | 3.7866% | 3,506 |
| Noninterest income to average assets | 0.4011% | 5,204 |
| Noninterest expense to average assets | 1.9246% | 7,505 |
| Loan and lease loss provision to assets | 0.1823% | 4,622 |
| Net operating income to assets | 1.7423% | 593 |
| Return on assets (ROA) | 1.7423% | 647 |
| Pretax return on assets | 1.7545% | 1,069 |
| Return on Equity (ROE) | 16.7829% | 711 |
| Retained earnings to average equity (ytd only) | 14.8314% | 432 |
| Net charge-offs to loans | -0.1417% | 7,962 |
| Credit loss provision to net charge-offs | -204.5455% | 6,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8426% | 7,600 |
| Assets per employee ($millions) | 3.7959% | 4,105 |
| Cash dividends to net income (ytd only)* | 11.6279% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 2,808 |
| Loan loss allowance to noncurrent loans | 254.8913% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 5,190 |
| Noncurrent loans to loans | 0.6005% | 5,892 |
| Net loans and leases to total assets | 63.5868% | 5,058 |
| Net loans and leases to deposits | 74.1849% | 5,457 |
| Net loans and leases to core deposits | 89.6040% | 5,595 |
| Total domestic deposits to total assets | 85.7140% | 2,863 |
| Equity capital to assets | 11.0214% | 2,941 |
| Core capital (leverage) ratio | 9.9288% | 3,487 |
| Tier 1 risk-based capital ratio | 14.5383% | 3,290 |
| Total risk-based capital ratio | 15.7904% | 3,216 |
| Memoranda: | ||
| Average total assets | $98,719,500 | 5,214 |
| Average earning assets | $90,214,000 | 5,214 |
| Average equity | $10,248,500 | 5,306 |
| Average total loans | $62,081,500 | 5,285 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6167% | 7,017 |
| Cost of funding earning assets | 2.2724% | 5,277 |
| Net interest margin | 3.3444% | 5,887 |
| Noninterest income to average assets | 0.3120% | 6,221 |
| Noninterest expense to average assets | 1.9854% | 7,468 |
| Loan and lease loss provision to assets | 0.2762% | 4,179 |
| Net operating income to assets | 1.1375% | 1,997 |
| Return on assets (ROA) | 1.1354% | 1,926 |
| Pretax return on assets | 1.1405% | 2,873 |
| Return on Equity (ROE) | 11.3788% | 1,795 |
| Retained earnings to average equity (ytd only) | 4.6643% | 2,225 |
| Net charge-offs to loans | 0.5539% | 2,165 |
| Credit loss provision to net charge-offs | 82.5688% | 5,849 |
| Earnings coverage of net charge-offs (x) | 4.2416% | 4,058 |
| Efficiency ratio | 58.3233% | 6,640 |
| Assets per employee ($millions) | 4.1017% | 3,305 |
| Cash dividends to net income (ytd only)* | 59.0090% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 3,287 |
| Loan loss allowance to noncurrent loans | 103.4442% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 4,795 |
| Noncurrent loans to loans | 1.3390% | 3,839 |
| Net loans and leases to total assets | 60.4747% | 5,840 |
| Net loans and leases to deposits | 74.0115% | 5,843 |
| Net loans and leases to core deposits | 86.2980% | 6,114 |
| Total domestic deposits to total assets | 81.7099% | 4,316 |
| Equity capital to assets | 9.7892% | 4,306 |
| Core capital (leverage) ratio | 9.2913% | 4,308 |
| Tier 1 risk-based capital ratio | 13.2698% | 3,954 |
| Total risk-based capital ratio | 14.5209% | 3,862 |
| Memoranda: | ||
| Average total assets | $97,761,800 | 5,123 |
| Average earning assets | $90,390,600 | 5,067 |
| Average equity | $9,755,000 | 5,492 |
| Average total loans | $59,036,400 | 5,312 |