Home > West Central Georgia Bank > Performance and Condition Ratios
West Central Georgia Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 2,878 |
| Cost of funding earning assets | 0.2888% | 4,384 |
| Net interest margin | 4.3176% | 789 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.4137% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8641% | 555 |
| Return on assets (ROA) | 1.8641% | 537 |
| Pretax return on assets | 2.3626% | 397 |
| Return on Equity (ROE) | 8.2600% | 2,954 |
| Retained earnings to average equity (ytd only) | 6.4487% | 2,077 |
| Net charge-offs to loans | 0.0033% | 2,647 |
| Credit loss provision to net charge-offs | 50.0000% | 2,188 |
| Earnings coverage of net charge-offs (x) | 1,733.0000% | 95 |
| Efficiency ratio | 50.5281% | 3,944 |
| Assets per employee ($millions) | 4.8471% | 3,742 |
| Cash dividends to net income (ytd only)* | 21.9459% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1670% | 295 |
| Loan loss allowance to noncurrent loans | 3,502.6316% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,516 |
| Noncurrent loans to loans | 0.0619% | 3,271 |
| Net loans and leases to total assets | 41.3200% | 3,987 |
| Net loans and leases to deposits | 55.3839% | 3,738 |
| Net loans and leases to core deposits | 56.4738% | 3,895 |
| Total domestic deposits to total assets | 74.6100% | 4,061 |
| Equity capital to assets | 23.8818% | 210 |
| Core capital (leverage) ratio | 26.9217% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $146,663,400 | 3,399 |
| Average earning assets | $135,052,000 | 3,390 |
| Average equity | $33,092,000 | 2,139 |
| Average total loans | $60,049,800 | 3,709 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 2,838 |
| Cost of funding earning assets | 0.2567% | 4,400 |
| Net interest margin | 4.2772% | 826 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.3296% | 2,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8960% | 565 |
| Return on assets (ROA) | 1.8960% | 556 |
| Pretax return on assets | 2.4012% | 425 |
| Return on Equity (ROE) | 8.5300% | 3,050 |
| Retained earnings to average equity (ytd only) | 6.8943% | 2,330 |
| Net charge-offs to loans | 0.0022% | 2,474 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 2,648.0000% | 45 |
| Efficiency ratio | 49.2331% | 3,969 |
| Assets per employee ($millions) | 5.5842% | 3,111 |
| Cash dividends to net income (ytd only)* | 19.1388% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2170% | 287 |
| Loan loss allowance to noncurrent loans | 19,042.8571% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,821 |
| Noncurrent loans to loans | 0.0116% | 3,711 |
| Net loans and leases to total assets | 40.4900% | 4,033 |
| Net loans and leases to deposits | 53.3658% | 3,819 |
| Net loans and leases to core deposits | 54.1707% | 3,920 |
| Total domestic deposits to total assets | 75.8800% | 4,019 |
| Equity capital to assets | 22.6024% | 223 |
| Core capital (leverage) ratio | 26.5337% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $146,976,250 | 3,401 |
| Average earning assets | $135,069,250 | 3,398 |
| Average equity | $32,683,250 | 2,142 |
| Average total loans | $59,706,750 | 3,721 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 2,779 |
| Cost of funding earning assets | 0.2208% | 4,406 |
| Net interest margin | 4.2270% | 896 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.3026% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9191% | 543 |
| Return on assets (ROA) | 1.9191% | 538 |
| Pretax return on assets | 2.3785% | 413 |
| Return on Equity (ROE) | 8.6800% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.4512% | 2,147 |
| Net charge-offs to loans | 0.0034% | 2,198 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 1,756.0000% | 78 |
| Efficiency ratio | 49.1751% | 3,989 |
| Assets per employee ($millions) | 5.8384% | 2,848 |
| Cash dividends to net income (ytd only)* | 14.1243% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1880% | 311 |
| Loan loss allowance to noncurrent loans | 4,036.3636% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,588 |
| Noncurrent loans to loans | 0.0542% | 3,312 |
| Net loans and leases to total assets | 40.8000% | 4,013 |
| Net loans and leases to deposits | 53.7842% | 3,757 |
| Net loans and leases to core deposits | 54.4416% | 3,876 |
| Total domestic deposits to total assets | 75.8500% | 4,057 |
| Equity capital to assets | 22.7439% | 215 |
| Core capital (leverage) ratio | 25.8824% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $147,572,333 | 3,405 |
| Average earning assets | $135,842,000 | 3,403 |
| Average equity | $32,639,000 | 2,157 |
| Average total loans | $59,567,333 | 3,729 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 2,823 |
| Cost of funding earning assets | 0.1904% | 4,399 |
| Net interest margin | 4.1002% | 1,096 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.1674% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0003% | 494 |
| Return on assets (ROA) | 2.0003% | 489 |
| Pretax return on assets | 2.4074% | 407 |
| Return on Equity (ROE) | 9.1700% | 2,998 |
| Retained earnings to average equity (ytd only) | 6.6996% | 2,582 |
| Net charge-offs to loans | -0.0068% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.3777% | 4,130 |
| Assets per employee ($millions) | 5.9658% | 2,791 |
| Cash dividends to net income (ytd only)* | 26.9542% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2042% | 318 |
| Loan loss allowance to noncurrent loans | 14,822.2222% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,830 |
| Noncurrent loans to loans | 0.0149% | 3,700 |
| Net loans and leases to total assets | 39.6800% | 4,053 |
| Net loans and leases to deposits | 51.8766% | 3,798 |
| Net loans and leases to core deposits | 52.4917% | 3,890 |
| Total domestic deposits to total assets | 76.5000% | 4,127 |
| Equity capital to assets | 22.0068% | 193 |
| Core capital (leverage) ratio | 25.2171% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $148,378,500 | 3,443 |
| Average earning assets | $136,578,000 | 3,446 |
| Average equity | $32,360,000 | 2,200 |
| Average total loans | $58,912,500 | 3,774 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 3,003 |
| Cost of funding earning assets | 0.1024% | 4,384 |
| Net interest margin | 3.4268% | 2,159 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.2389% | 2,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3018% | 1,419 |
| Return on assets (ROA) | 1.3018% | 1,383 |
| Pretax return on assets | 1.6124% | 1,140 |
| Return on Equity (ROE) | 5.9100% | 3,842 |
| Retained earnings to average equity (ytd only) | 4.7264% | 3,163 |
| Net charge-offs to loans | -0.0019% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.0628% | 3,333 |
| Assets per employee ($millions) | 5.2719% | 3,451 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3261% | 251 |
| Loan loss allowance to noncurrent loans | 5,126.9231% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,675 |
| Noncurrent loans to loans | 0.0454% | 3,428 |
| Net loans and leases to total assets | 37.9200% | 4,144 |
| Net loans and leases to deposits | 49.2395% | 3,927 |
| Net loans and leases to core deposits | 49.8375% | 3,982 |
| Total domestic deposits to total assets | 77.0100% | 4,171 |
| Equity capital to assets | 21.6094% | 197 |
| Core capital (leverage) ratio | 24.7050% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $149,406,200 | 3,449 |
| Average earning assets | $135,753,200 | 3,460 |
| Average equity | $32,921,200 | 2,201 |
| Average total loans | $52,106,400 | 3,863 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 3,033 |
| Cost of funding earning assets | 0.1002% | 4,281 |
| Net interest margin | 3.2544% | 2,441 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.1914% | 2,954 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2652% | 1,476 |
| Return on assets (ROA) | 1.2652% | 1,437 |
| Pretax return on assets | 1.4841% | 1,460 |
| Return on Equity (ROE) | 5.7100% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.9350% | 3,125 |
| Net charge-offs to loans | -0.0184% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.5215% | 3,178 |
| Assets per employee ($millions) | 5.5998% | 3,127 |
| Cash dividends to net income (ytd only)* | 13.6428% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4857% | 239 |
| Loan loss allowance to noncurrent loans | 13,380.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,940 |
| Noncurrent loans to loans | 0.0186% | 3,788 |
| Net loans and leases to total assets | 34.7200% | 4,281 |
| Net loans and leases to deposits | 44.5645% | 4,089 |
| Net loans and leases to core deposits | 45.0863% | 4,143 |
| Total domestic deposits to total assets | 77.9000% | 4,267 |
| Equity capital to assets | 20.7938% | 199 |
| Core capital (leverage) ratio | 24.2902% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $149,854,750 | 3,469 |
| Average earning assets | $135,771,750 | 3,487 |
| Average equity | $33,177,000 | 2,222 |
| Average total loans | $50,806,750 | 3,900 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2085% | 3,014 |
| Cost of funding earning assets | 0.1053% | 4,136 |
| Net interest margin | 3.1032% | 2,527 |
| Noninterest income to average assets | 0.7148% | 1,278 |
| Noninterest expense to average assets | 2.1431% | 3,025 |
| Loan and lease loss provision to assets | 0.0094% | 2,424 |
| Net operating income to assets | 1.1579% | 1,576 |
| Return on assets (ROA) | 1.1579% | 1,557 |
| Pretax return on assets | 1.3640% | 1,537 |
| Return on Equity (ROE) | 5.1250% | 3,785 |
| Retained earnings to average equity (ytd only) | 3.9756% | 3,088 |
| Net charge-offs to loans | -0.0321% | 4,068 |
| Credit loss provision to net charge-offs | -87.5000% | 3,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9440% | 3,184 |
| Assets per employee ($millions) | 5.9110% | 2,825 |
| Cash dividends to net income (ytd only)* | 22.4277% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5898% | 225 |
| Loan loss allowance to noncurrent loans | 26,780.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,028 |
| Noncurrent loans to loans | 0.0097% | 3,921 |
| Net loans and leases to total assets | 34.0818% | 4,333 |
| Net loans and leases to deposits | 44.1039% | 4,111 |
| Net loans and leases to core deposits | 44.6209% | 4,172 |
| Total domestic deposits to total assets | 77.2761% | 4,395 |
| Equity capital to assets | 21.4002% | 140 |
| Core capital (leverage) ratio | 23.7690% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,408,333 | 3,507 |
| Average earning assets | $134,892,333 | 3,546 |
| Average equity | $33,756,333 | 2,240 |
| Average total loans | $49,800,000 | 3,963 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0598% | 3,085 |
| Cost of funding earning assets | 0.1119% | 3,983 |
| Net interest margin | 2.9479% | 2,676 |
| Noninterest income to average assets | 0.7402% | 1,191 |
| Noninterest expense to average assets | 2.1408% | 3,007 |
| Loan and lease loss provision to assets | 0.0160% | 2,063 |
| Net operating income to assets | 1.0438% | 1,711 |
| Return on assets (ROA) | 1.0438% | 1,709 |
| Pretax return on assets | 1.2488% | 1,660 |
| Return on Equity (ROE) | 4.5028% | 3,761 |
| Retained earnings to average equity (ytd only) | 2.2744% | 3,472 |
| Net charge-offs to loans | -0.0164% | 3,809 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8616% | 3,160 |
| Assets per employee ($millions) | 5.1747% | 3,602 |
| Cash dividends to net income (ytd only)* | 49.4898% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7754% | 201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 31.1172% | 4,416 |
| Net loans and leases to deposits | 40.8310% | 4,219 |
| Net loans and leases to core deposits | 41.4093% | 4,262 |
| Total domestic deposits to total assets | 76.2096% | 4,491 |
| Equity capital to assets | 22.4583% | 113 |
| Core capital (leverage) ratio | 23.3050% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,225,500 | 3,514 |
| Average earning assets | $135,824,000 | 3,553 |
| Average equity | $34,822,500 | 2,264 |
| Average total loans | $48,848,500 | 3,991 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3730% | 2,998 |
| Cost of funding earning assets | 0.1347% | 4,121 |
| Net interest margin | 3.2384% | 2,492 |
| Noninterest income to average assets | 0.6666% | 1,881 |
| Noninterest expense to average assets | 2.2673% | 2,890 |
| Loan and lease loss provision to assets | 0.0170% | 2,736 |
| Net operating income to assets | 1.0404% | 2,519 |
| Return on assets (ROA) | 1.0499% | 2,557 |
| Pretax return on assets | 1.2753% | 2,438 |
| Return on Equity (ROE) | 4.3035% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.2485% | 3,523 |
| Net charge-offs to loans | -0.0104% | 3,750 |
| Credit loss provision to net charge-offs | -500.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9033% | 2,582 |
| Assets per employee ($millions) | 5.3709% | 3,392 |
| Cash dividends to net income (ytd only)* | 24.5136% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6677% | 222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 32.1459% | 4,444 |
| Net loans and leases to deposits | 43.0512% | 4,221 |
| Net loans and leases to core deposits | 43.7834% | 4,274 |
| Total domestic deposits to total assets | 74.6692% | 4,567 |
| Equity capital to assets | 23.9005% | 110 |
| Core capital (leverage) ratio | 23.3141% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,869,200 | 3,514 |
| Average earning assets | $130,683,200 | 3,564 |
| Average equity | $35,831,400 | 2,248 |
| Average total loans | $48,290,800 | 4,032 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4386% | 2,991 |
| Cost of funding earning assets | 0.1404% | 4,190 |
| Net interest margin | 3.2982% | 2,418 |
| Noninterest income to average assets | 0.6630% | 1,961 |
| Noninterest expense to average assets | 2.2713% | 2,830 |
| Loan and lease loss provision to assets | 0.0171% | 2,667 |
| Net operating income to assets | 1.1069% | 2,529 |
| Return on assets (ROA) | 1.1069% | 2,585 |
| Pretax return on assets | 1.2923% | 2,641 |
| Return on Equity (ROE) | 4.5134% | 4,224 |
| Retained earnings to average equity (ytd only) | 3.8096% | 3,634 |
| Net charge-offs to loans | -0.0139% | 3,810 |
| Credit loss provision to net charge-offs | -380.0000% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4277% | 2,474 |
| Assets per employee ($millions) | 4.8682% | 3,827 |
| Cash dividends to net income (ytd only)* | 15.5941% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7098% | 213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 31.3565% | 4,557 |
| Net loans and leases to deposits | 42.1891% | 4,373 |
| Net loans and leases to core deposits | 42.9071% | 4,417 |
| Total domestic deposits to total assets | 74.3236% | 4,626 |
| Equity capital to assets | 24.1278% | 109 |
| Core capital (leverage) ratio | 23.1312% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,990,000 | 3,560 |
| Average earning assets | $129,156,750 | 3,622 |
| Average equity | $35,803,500 | 2,284 |
| Average total loans | $47,946,500 | 4,091 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4310% | 3,078 |
| Cost of funding earning assets | 0.1464% | 4,233 |
| Net interest margin | 3.2846% | 2,496 |
| Noninterest income to average assets | 0.6651% | 1,950 |
| Noninterest expense to average assets | 2.2598% | 2,883 |
| Loan and lease loss provision to assets | 0.0166% | 2,621 |
| Net operating income to assets | 1.1001% | 2,549 |
| Return on assets (ROA) | 1.1001% | 2,613 |
| Pretax return on assets | 1.2788% | 2,684 |
| Return on Equity (ROE) | 4.4606% | 4,239 |
| Retained earnings to average equity (ytd only) | 3.3988% | 3,717 |
| Net charge-offs to loans | -0.0210% | 4,016 |
| Credit loss provision to net charge-offs | -240.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5620% | 2,490 |
| Assets per employee ($millions) | 5.1604% | 3,498 |
| Cash dividends to net income (ytd only)* | 23.8035% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6530% | 225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 32.1686% | 4,586 |
| Net loans and leases to deposits | 43.1998% | 4,414 |
| Net loans and leases to core deposits | 43.9379% | 4,458 |
| Total domestic deposits to total assets | 74.4648% | 4,639 |
| Equity capital to assets | 24.0017% | 108 |
| Core capital (leverage) ratio | 23.4460% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,349,000 | 3,584 |
| Average earning assets | $127,016,667 | 3,659 |
| Average equity | $35,600,667 | 2,288 |
| Average total loans | $47,715,667 | 4,122 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3677% | 3,289 |
| Cost of funding earning assets | 0.1544% | 4,279 |
| Net interest margin | 3.2133% | 2,652 |
| Noninterest income to average assets | 0.6860% | 1,912 |
| Noninterest expense to average assets | 2.3346% | 2,691 |
| Loan and lease loss provision to assets | 0.0169% | 2,555 |
| Net operating income to assets | 0.9715% | 2,899 |
| Return on assets (ROA) | 0.9739% | 2,984 |
| Pretax return on assets | 1.1574% | 2,962 |
| Return on Equity (ROE) | 3.8937% | 4,305 |
| Retained earnings to average equity (ytd only) | 1.7606% | 4,061 |
| Net charge-offs to loans | -0.0085% | 3,612 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5862% | 2,149 |
| Assets per employee ($millions) | 4.8585% | 3,791 |
| Cash dividends to net income (ytd only)* | 54.7826% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7642% | 194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 31.3984% | 4,647 |
| Net loans and leases to deposits | 42.2108% | 4,492 |
| Net loans and leases to core deposits | 42.9505% | 4,530 |
| Total domestic deposits to total assets | 74.3846% | 4,654 |
| Equity capital to assets | 24.1067% | 106 |
| Core capital (leverage) ratio | 24.1624% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,697,500 | 3,620 |
| Average earning assets | $124,358,500 | 3,688 |
| Average equity | $35,441,500 | 2,284 |
| Average total loans | $46,847,000 | 4,158 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 3,187 |
| Cost of funding earning assets | 0.2438% | 4,406 |
| Net interest margin | 3.5972% | 2,152 |
| Noninterest income to average assets | 0.5813% | 2,298 |
| Noninterest expense to average assets | 2.5469% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0535% | 2,091 |
| Return on assets (ROA) | 1.0612% | 2,199 |
| Pretax return on assets | 1.2773% | 2,057 |
| Return on Equity (ROE) | 3.9875% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.9299% | 3,403 |
| Net charge-offs to loans | -0.0087% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7607% | 2,398 |
| Assets per employee ($millions) | 4.3012% | 4,119 |
| Cash dividends to net income (ytd only)* | 26.5217% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7752% | 192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 4,259 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 32.9369% | 4,678 |
| Net loans and leases to deposits | 45.6347% | 4,480 |
| Net loans and leases to core deposits | 46.1880% | 4,541 |
| Total domestic deposits to total assets | 72.1750% | 4,703 |
| Equity capital to assets | 25.9708% | 86 |
| Core capital (leverage) ratio | 24.9216% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,042,400 | 3,624 |
| Average earning assets | $116,895,200 | 3,665 |
| Average equity | $34,608,400 | 2,247 |
| Average total loans | $46,191,000 | 4,181 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 3,273 |
| Cost of funding earning assets | 0.2630% | 4,462 |
| Net interest margin | 3.6297% | 2,162 |
| Noninterest income to average assets | 0.6097% | 2,135 |
| Noninterest expense to average assets | 2.6137% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0460% | 2,168 |
| Return on assets (ROA) | 1.0519% | 2,272 |
| Pretax return on assets | 1.2923% | 2,087 |
| Return on Equity (ROE) | 3.9272% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.2163% | 3,430 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0403% | 2,309 |
| Assets per employee ($millions) | 4.1874% | 4,154 |
| Cash dividends to net income (ytd only)* | 18.1009% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7409% | 181 |
| Loan loss allowance to noncurrent loans | 1,205.6075% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 3,889 |
| Noncurrent loans to loans | 0.2273% | 3,487 |
| Net loans and leases to total assets | 34.1607% | 4,737 |
| Net loans and leases to deposits | 47.7389% | 4,561 |
| Net loans and leases to core deposits | 48.3368% | 4,618 |
| Total domestic deposits to total assets | 71.5574% | 4,700 |
| Equity capital to assets | 26.5433% | 80 |
| Core capital (leverage) ratio | 25.3437% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,143,250 | 3,640 |
| Average earning assets | $116,114,250 | 3,661 |
| Average equity | $34,324,000 | 2,254 |
| Average total loans | $46,081,750 | 4,205 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 3,446 |
| Cost of funding earning assets | 0.2919% | 4,507 |
| Net interest margin | 3.6647% | 2,281 |
| Noninterest income to average assets | 0.6149% | 2,076 |
| Noninterest expense to average assets | 2.6293% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0843% | 2,019 |
| Return on assets (ROA) | 1.0856% | 2,138 |
| Pretax return on assets | 1.3297% | 1,934 |
| Return on Equity (ROE) | 4.0401% | 4,091 |
| Retained earnings to average equity (ytd only) | 2.9608% | 3,408 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4397% | 2,454 |
| Assets per employee ($millions) | 3.8039% | 4,463 |
| Cash dividends to net income (ytd only)* | 26.7153% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7707% | 171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,404 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 34.0008% | 4,780 |
| Net loans and leases to deposits | 47.3346% | 4,615 |
| Net loans and leases to core deposits | 47.8000% | 4,673 |
| Total domestic deposits to total assets | 71.8307% | 4,718 |
| Equity capital to assets | 26.3238% | 85 |
| Core capital (leverage) ratio | 25.8985% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,192,333 | 3,643 |
| Average earning assets | $115,099,667 | 3,662 |
| Average equity | $33,909,667 | 2,263 |
| Average total loans | $45,754,333 | 4,222 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 3,612 |
| Cost of funding earning assets | 0.3465% | 4,531 |
| Net interest margin | 3.7199% | 2,261 |
| Noninterest income to average assets | 0.7301% | 1,532 |
| Noninterest expense to average assets | 2.8520% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0567% | 1,985 |
| Return on assets (ROA) | 1.0593% | 2,076 |
| Pretax return on assets | 1.3103% | 1,842 |
| Return on Equity (ROE) | 3.8991% | 3,978 |
| Retained earnings to average equity (ytd only) | 1.7036% | 3,548 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5737% | 2,575 |
| Assets per employee ($millions) | 3.7849% | 4,188 |
| Cash dividends to net income (ytd only)* | 56.3077% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8283% | 177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 4,440 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 35.4841% | 4,795 |
| Net loans and leases to deposits | 49.3701% | 4,617 |
| Net loans and leases to core deposits | 49.8841% | 4,683 |
| Total domestic deposits to total assets | 71.8737% | 4,778 |
| Equity capital to assets | 26.5178% | 96 |
| Core capital (leverage) ratio | 27.2489% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,719,500 | 3,667 |
| Average earning assets | $113,121,500 | 3,664 |
| Average equity | $33,341,000 | 2,283 |
| Average total loans | $45,352,500 | 4,240 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 3,899 |
| Cost of funding earning assets | 0.3859% | 4,488 |
| Net interest margin | 3.7789% | 2,576 |
| Noninterest income to average assets | 0.7112% | 1,774 |
| Noninterest expense to average assets | 2.5890% | 3,211 |
| Loan and lease loss provision to assets | 0.0095% | 3,816 |
| Net operating income to assets | 1.2853% | 1,748 |
| Return on assets (ROA) | 1.2866% | 1,821 |
| Pretax return on assets | 1.5731% | 1,576 |
| Return on Equity (ROE) | 5.0107% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.9164% | 3,009 |
| Net charge-offs to loans | -0.0224% | 4,651 |
| Credit loss provision to net charge-offs | -120.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0860% | 3,367 |
| Assets per employee ($millions) | 3.7668% | 4,194 |
| Cash dividends to net income (ytd only)* | 21.8384% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8606% | 143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 4,462 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 36.3412% | 4,830 |
| Net loans and leases to deposits | 51.6124% | 4,620 |
| Net loans and leases to core deposits | 52.3495% | 4,695 |
| Total domestic deposits to total assets | 70.4118% | 4,918 |
| Equity capital to assets | 27.8427% | 88 |
| Core capital (leverage) ratio | 27.3988% | 94 |
| Tier 1 risk-based capital ratio | 57.8660% | 100 |
| Total risk-based capital ratio | 59.1280% | 99 |
| Memoranda: | ||
| Average total assets | $125,993,000 | 3,618 |
| Average earning assets | $115,326,000 | 3,627 |
| Average equity | $32,351,000 | 2,282 |
| Average total loans | $44,569,600 | 4,293 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 4,007 |
| Cost of funding earning assets | 0.3917% | 4,528 |
| Net interest margin | 3.7723% | 2,676 |
| Noninterest income to average assets | 0.7067% | 1,754 |
| Noninterest expense to average assets | 2.6036% | 3,164 |
| Loan and lease loss provision to assets | 0.0094% | 3,703 |
| Net operating income to assets | 1.2753% | 1,932 |
| Return on assets (ROA) | 1.2814% | 1,999 |
| Pretax return on assets | 1.5494% | 1,816 |
| Return on Equity (ROE) | 5.0922% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.3558% | 3,220 |
| Net charge-offs to loans | -0.0240% | 4,634 |
| Credit loss provision to net charge-offs | -112.5000% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6606% | 3,220 |
| Assets per employee ($millions) | 3.7444% | 4,225 |
| Cash dividends to net income (ytd only)* | 14.4605% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9406% | 137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 35.4248% | 4,958 |
| Net loans and leases to deposits | 50.2034% | 4,770 |
| Net loans and leases to core deposits | 50.6800% | 4,823 |
| Total domestic deposits to total assets | 70.5625% | 4,970 |
| Equity capital to assets | 27.7541% | 88 |
| Core capital (leverage) ratio | 27.1818% | 97 |
| Tier 1 risk-based capital ratio | 58.1686% | 101 |
| Total risk-based capital ratio | 59.4280% | 100 |
| Memoranda: | ||
| Average total assets | $127,356,750 | 3,637 |
| Average earning assets | $116,425,750 | 3,645 |
| Average equity | $32,048,500 | 2,313 |
| Average total loans | $44,438,250 | 4,350 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 4,051 |
| Cost of funding earning assets | 0.4104% | 4,471 |
| Net interest margin | 3.7372% | 2,802 |
| Noninterest income to average assets | 0.6961% | 1,731 |
| Noninterest expense to average assets | 2.5272% | 3,394 |
| Loan and lease loss provision to assets | 0.0092% | 3,560 |
| Net operating income to assets | 1.3060% | 1,746 |
| Return on assets (ROA) | 1.3136% | 1,786 |
| Pretax return on assets | 1.5770% | 1,617 |
| Return on Equity (ROE) | 5.3908% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.2722% | 3,115 |
| Net charge-offs to loans | -0.0269% | 4,645 |
| Credit loss provision to net charge-offs | -100.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5760% | 3,495 |
| Assets per employee ($millions) | 3.9426% | 3,952 |
| Cash dividends to net income (ytd only)* | 20.7503% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9128% | 138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,519 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 32.7917% | 5,053 |
| Net loans and leases to deposits | 44.7245% | 4,936 |
| Net loans and leases to core deposits | 45.3501% | 4,973 |
| Total domestic deposits to total assets | 73.3194% | 4,879 |
| Equity capital to assets | 25.2087% | 121 |
| Core capital (leverage) ratio | 24.9494% | 118 |
| Tier 1 risk-based capital ratio | 55.9727% | 108 |
| Total risk-based capital ratio | 57.2345% | 102 |
| Memoranda: | ||
| Average total assets | $129,869,000 | 3,620 |
| Average earning assets | $118,432,330 | 3,640 |
| Average equity | $31,646,330 | 2,327 |
| Average total loans | $44,673,670 | 4,371 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 4,008 |
| Cost of funding earning assets | 0.3986% | 4,491 |
| Net interest margin | 3.7500% | 2,711 |
| Noninterest income to average assets | 0.7399% | 1,468 |
| Noninterest expense to average assets | 2.6327% | 3,111 |
| Loan and lease loss provision to assets | 0.0092% | 3,318 |
| Net operating income to assets | 1.2609% | 1,843 |
| Return on assets (ROA) | 1.2763% | 1,833 |
| Pretax return on assets | 1.5383% | 1,649 |
| Return on Equity (ROE) | 5.3298% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.0511% | 3,715 |
| Net charge-offs to loans | -0.0444% | 4,802 |
| Credit loss provision to net charge-offs | -60.0000% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2593% | 3,350 |
| Assets per employee ($millions) | 3.9571% | 3,987 |
| Cash dividends to net income (ytd only)* | 42.7536% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8722% | 151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 4,585 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 33.0181% | 5,094 |
| Net loans and leases to deposits | 44.3621% | 4,976 |
| Net loans and leases to core deposits | 44.9701% | 5,021 |
| Total domestic deposits to total assets | 74.4285% | 4,902 |
| Equity capital to assets | 24.1364% | 127 |
| Core capital (leverage) ratio | 24.7578% | 114 |
| Tier 1 risk-based capital ratio | 54.8709% | 110 |
| Total risk-based capital ratio | 56.1316% | 108 |
| Memoranda: | ||
| Average total assets | $129,750,500 | 3,664 |
| Average earning assets | $118,400,000 | 3,677 |
| Average equity | $31,070,500 | 2,351 |
| Average total loans | $45,038,500 | 4,408 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 3,715 |
| Cost of funding earning assets | 0.3185% | 4,478 |
| Net interest margin | 3.7902% | 2,698 |
| Noninterest income to average assets | 0.6867% | 1,902 |
| Noninterest expense to average assets | 2.4789% | 3,672 |
| Loan and lease loss provision to assets | 0.0094% | 3,933 |
| Net operating income to assets | 1.3480% | 1,622 |
| Return on assets (ROA) | 1.3546% | 1,588 |
| Pretax return on assets | 1.6382% | 1,349 |
| Return on Equity (ROE) | 5.7605% | 4,246 |
| Retained earnings to average equity (ytd only) | 4.6177% | 2,989 |
| Net charge-offs to loans | -0.0252% | 4,760 |
| Credit loss provision to net charge-offs | -109.0909% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1870% | 3,823 |
| Assets per employee ($millions) | 4.0287% | 3,858 |
| Cash dividends to net income (ytd only)* | 19.8376% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7755% | 171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 4,601 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 34.4545% | 5,109 |
| Net loans and leases to deposits | 46.0300% | 4,982 |
| Net loans and leases to core deposits | 46.6610% | 5,017 |
| Total domestic deposits to total assets | 74.8522% | 4,884 |
| Equity capital to assets | 23.7539% | 131 |
| Core capital (leverage) ratio | 22.9819% | 143 |
| Tier 1 risk-based capital ratio | 48.7352% | 142 |
| Total risk-based capital ratio | 49.9950% | 139 |
| Memoranda: | ||
| Average total assets | $127,274,200 | 3,680 |
| Average earning assets | $115,245,200 | 3,731 |
| Average equity | $29,928,200 | 2,340 |
| Average total loans | $43,716,800 | 4,456 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 3,779 |
| Cost of funding earning assets | 0.3050% | 4,484 |
| Net interest margin | 3.7487% | 2,831 |
| Noninterest income to average assets | 0.6852% | 1,912 |
| Noninterest expense to average assets | 2.5171% | 3,537 |
| Loan and lease loss provision to assets | 0.0095% | 3,800 |
| Net operating income to assets | 1.3027% | 1,842 |
| Return on assets (ROA) | 1.3169% | 1,795 |
| Pretax return on assets | 1.5733% | 1,662 |
| Return on Equity (ROE) | 5.6147% | 4,381 |
| Retained earnings to average equity (ytd only) | 4.8440% | 3,321 |
| Net charge-offs to loans | -0.0740% | 5,073 |
| Credit loss provision to net charge-offs | -37.5000% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6474% | 3,562 |
| Assets per employee ($millions) | 3.8705% | 4,079 |
| Cash dividends to net income (ytd only)* | 13.7272% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9069% | 152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,743 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 33.4208% | 5,212 |
| Net loans and leases to deposits | 44.4009% | 5,102 |
| Net loans and leases to core deposits | 45.0109% | 5,138 |
| Total domestic deposits to total assets | 75.2705% | 4,859 |
| Equity capital to assets | 23.3696% | 138 |
| Core capital (leverage) ratio | 24.8519% | 114 |
| Tier 1 risk-based capital ratio | 53.1207% | 119 |
| Total risk-based capital ratio | 54.3805% | 115 |
| Memoranda: | ||
| Average total assets | $126,863,250 | 3,717 |
| Average earning assets | $114,988,750 | 3,769 |
| Average equity | $29,754,500 | 2,357 |
| Average total loans | $43,224,500 | 4,521 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 3,786 |
| Cost of funding earning assets | 0.2934% | 4,457 |
| Net interest margin | 3.7074% | 2,898 |
| Noninterest income to average assets | 0.6715% | 1,998 |
| Noninterest expense to average assets | 2.5013% | 3,628 |
| Loan and lease loss provision to assets | 0.0095% | 3,659 |
| Net operating income to assets | 1.2796% | 1,857 |
| Return on assets (ROA) | 1.2862% | 1,834 |
| Pretax return on assets | 1.5232% | 1,734 |
| Return on Equity (ROE) | 5.4772% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.3199% | 3,439 |
| Net charge-offs to loans | -0.0652% | 5,011 |
| Credit loss provision to net charge-offs | -42.8571% | 4,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1272% | 3,608 |
| Assets per employee ($millions) | 4.0062% | 3,885 |
| Cash dividends to net income (ytd only)* | 21.1302% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9281% | 156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 4,728 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 32.7644% | 5,272 |
| Net loans and leases to deposits | 43.3785% | 5,161 |
| Net loans and leases to core deposits | 43.8545% | 5,199 |
| Total domestic deposits to total assets | 75.5314% | 4,900 |
| Equity capital to assets | 23.1714% | 141 |
| Core capital (leverage) ratio | 24.6531% | 112 |
| Tier 1 risk-based capital ratio | 52.4114% | 119 |
| Total risk-based capital ratio | 53.6718% | 118 |
| Memoranda: | ||
| Average total assets | $126,575,670 | 3,754 |
| Average earning assets | $114,527,000 | 3,797 |
| Average equity | $29,723,000 | 2,370 |
| Average total loans | $42,977,670 | 4,568 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,721 |
| Cost of funding earning assets | 0.2883% | 4,431 |
| Net interest margin | 3.6811% | 2,879 |
| Noninterest income to average assets | 0.6902% | 1,878 |
| Noninterest expense to average assets | 2.6462% | 3,200 |
| Loan and lease loss provision to assets | 0.0095% | 3,394 |
| Net operating income to assets | 1.1355% | 2,264 |
| Return on assets (ROA) | 1.1355% | 2,279 |
| Pretax return on assets | 1.3644% | 2,128 |
| Return on Equity (ROE) | 4.8029% | 4,549 |
| Retained earnings to average equity (ytd only) | 2.4889% | 4,170 |
| Net charge-offs to loans | -0.0934% | 5,181 |
| Credit loss provision to net charge-offs | -30.0000% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8228% | 3,198 |
| Assets per employee ($millions) | 4.0899% | 3,819 |
| Cash dividends to net income (ytd only)* | 48.1793% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9640% | 162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 4,378 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 32.4834% | 5,308 |
| Net loans and leases to deposits | 43.0522% | 5,186 |
| Net loans and leases to core deposits | 43.5286% | 5,223 |
| Total domestic deposits to total assets | 75.4511% | 5,022 |
| Equity capital to assets | 23.2254% | 136 |
| Core capital (leverage) ratio | 24.4224% | 114 |
| Tier 1 risk-based capital ratio | 52.3284% | 119 |
| Total risk-based capital ratio | 53.5902% | 118 |
| Memoranda: | ||
| Average total assets | $125,765,000 | 3,801 |
| Average earning assets | $113,769,500 | 3,853 |
| Average equity | $29,732,000 | 2,389 |
| Average total loans | $42,831,500 | 4,617 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 3,065 |
| Cost of funding earning assets | 0.2350% | 4,688 |
| Net interest margin | 3.8631% | 2,215 |
| Noninterest income to average assets | 0.6361% | 2,268 |
| Noninterest expense to average assets | 2.5541% | 3,591 |
| Loan and lease loss provision to assets | 0.0294% | 3,686 |
| Net operating income to assets | 0.9177% | 2,610 |
| Return on assets (ROA) | 0.9198% | 2,627 |
| Pretax return on assets | 1.5239% | 1,550 |
| Return on Equity (ROE) | 3.7710% | 4,572 |
| Retained earnings to average equity (ytd only) | 2.6582% | 3,734 |
| Net charge-offs to loans | 0.0537% | 2,733 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 780 |
| Efficiency ratio | 62.2311% | 3,899 |
| Assets per employee ($millions) | 3.7801% | 4,313 |
| Cash dividends to net income (ytd only)* | 29.5111% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8806% | 163 |
| Loan loss allowance to noncurrent loans | 31,125.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 4,404 |
| Noncurrent loans to loans | 0.0093% | 5,005 |
| Net loans and leases to total assets | 33.6495% | 5,352 |
| Net loans and leases to deposits | 45.0733% | 5,212 |
| Net loans and leases to core deposits | 45.4659% | 5,249 |
| Total domestic deposits to total assets | 74.6549% | 5,116 |
| Equity capital to assets | 24.0633% | 113 |
| Core capital (leverage) ratio | 24.9364% | 100 |
| Tier 1 risk-based capital ratio | 52.0822% | 113 |
| Total risk-based capital ratio | 53.3423% | 112 |
| Memoranda: | ||
| Average total assets | $122,315,400 | 3,854 |
| Average earning assets | $109,807,200 | 3,917 |
| Average equity | $29,832,600 | 2,368 |
| Average total loans | $44,676,400 | 4,599 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 2,951 |
| Cost of funding earning assets | 0.2297% | 4,746 |
| Net interest margin | 3.8814% | 2,103 |
| Noninterest income to average assets | 0.6233% | 2,345 |
| Noninterest expense to average assets | 2.6149% | 3,362 |
| Loan and lease loss provision to assets | 0.0362% | 3,392 |
| Net operating income to assets | 1.0813% | 2,169 |
| Return on assets (ROA) | 1.0845% | 2,214 |
| Pretax return on assets | 1.4570% | 1,921 |
| Return on Equity (ROE) | 4.4314% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.6928% | 3,730 |
| Net charge-offs to loans | -0.0385% | 5,084 |
| Credit loss provision to net charge-offs | -253.8462% | 4,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7213% | 3,603 |
| Assets per employee ($millions) | 3.6790% | 4,478 |
| Cash dividends to net income (ytd only)* | 16.6663% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8894% | 176 |
| Loan loss allowance to noncurrent loans | 1,360.6383% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 2,708 |
| Noncurrent loans to loans | 0.2124% | 4,217 |
| Net loans and leases to total assets | 35.4062% | 5,372 |
| Net loans and leases to deposits | 48.5421% | 5,171 |
| Net loans and leases to core deposits | 48.9852% | 5,233 |
| Total domestic deposits to total assets | 72.9392% | 5,317 |
| Equity capital to assets | 25.1285% | 100 |
| Core capital (leverage) ratio | 24.9626% | 99 |
| Tier 1 risk-based capital ratio | 52.3371% | 116 |
| Total risk-based capital ratio | 53.6004% | 114 |
| Memoranda: | ||
| Average total assets | $121,708,750 | 3,904 |
| Average earning assets | $109,133,000 | 3,976 |
| Average equity | $29,786,500 | 2,382 |
| Average total loans | $45,040,500 | 4,634 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 2,821 |
| Cost of funding earning assets | 0.2250% | 4,756 |
| Net interest margin | 3.8772% | 2,012 |
| Noninterest income to average assets | 0.6009% | 2,448 |
| Noninterest expense to average assets | 2.5860% | 3,479 |
| Loan and lease loss provision to assets | 0.0493% | 3,003 |
| Net operating income to assets | 1.0492% | 2,210 |
| Return on assets (ROA) | 1.0541% | 2,235 |
| Pretax return on assets | 1.4235% | 1,923 |
| Return on Equity (ROE) | 4.3458% | 4,712 |
| Retained earnings to average equity (ytd only) | 3.2289% | 3,790 |
| Net charge-offs to loans | -0.0309% | 4,970 |
| Credit loss provision to net charge-offs | -428.5714% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8169% | 3,700 |
| Assets per employee ($millions) | 3.8528% | 4,195 |
| Cash dividends to net income (ytd only)* | 25.7009% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8701% | 183 |
| Loan loss allowance to noncurrent loans | 389.5706% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 2,440 |
| Noncurrent loans to loans | 0.7367% | 2,551 |
| Net loans and leases to total assets | 34.8601% | 5,419 |
| Net loans and leases to deposits | 46.9439% | 5,253 |
| Net loans and leases to core deposits | 47.4917% | 5,300 |
| Total domestic deposits to total assets | 74.2591% | 5,267 |
| Equity capital to assets | 24.4854% | 107 |
| Core capital (leverage) ratio | 24.6603% | 105 |
| Tier 1 risk-based capital ratio | 51.2993% | 111 |
| Total risk-based capital ratio | 52.5603% | 109 |
| Memoranda: | ||
| Average total assets | $121,809,000 | 3,934 |
| Average earning assets | $108,428,330 | 4,006 |
| Average equity | $29,546,000 | 2,401 |
| Average total loans | $45,299,000 | 4,654 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 2,582 |
| Cost of funding earning assets | 0.2162% | 4,833 |
| Net interest margin | 3.9035% | 1,766 |
| Noninterest income to average assets | 0.5782% | 2,521 |
| Noninterest expense to average assets | 2.7290% | 3,036 |
| Loan and lease loss provision to assets | 0.0496% | 2,819 |
| Net operating income to assets | 0.8854% | 2,833 |
| Return on assets (ROA) | 0.8854% | 2,882 |
| Pretax return on assets | 1.2588% | 2,386 |
| Return on Equity (ROE) | 3.6681% | 4,893 |
| Retained earnings to average equity (ytd only) | 1.4098% | 4,538 |
| Net charge-offs to loans | 0.0175% | 2,439 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 285 |
| Efficiency ratio | 67.5941% | 3,269 |
| Assets per employee ($millions) | 3.6373% | 4,593 |
| Cash dividends to net income (ytd only)* | 61.5672% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7683% | 232 |
| Loan loss allowance to noncurrent loans | 635.7143% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 2,839 |
| Noncurrent loans to loans | 0.4355% | 3,534 |
| Net loans and leases to total assets | 35.3883% | 5,429 |
| Net loans and leases to deposits | 47.1829% | 5,257 |
| Net loans and leases to core deposits | 47.7247% | 5,313 |
| Total domestic deposits to total assets | 75.0024% | 5,333 |
| Equity capital to assets | 23.7046% | 122 |
| Core capital (leverage) ratio | 24.4031% | 106 |
| Tier 1 risk-based capital ratio | 49.9472% | 131 |
| Total risk-based capital ratio | 51.2071% | 127 |
| Memoranda: | ||
| Average total assets | $121,068,500 | 3,979 |
| Average earning assets | $107,287,500 | 4,060 |
| Average equity | $29,225,000 | 2,430 |
| Average total loans | $45,824,000 | 4,682 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,299 |
| Cost of funding earning assets | 0.2141% | 4,893 |
| Net interest margin | 4.0400% | 1,523 |
| Noninterest income to average assets | 0.6830% | 2,251 |
| Noninterest expense to average assets | 2.6805% | 3,410 |
| Loan and lease loss provision to assets | 0.0404% | 3,572 |
| Net operating income to assets | 1.1456% | 1,713 |
| Return on assets (ROA) | 1.1456% | 1,806 |
| Pretax return on assets | 1.5165% | 1,538 |
| Return on Equity (ROE) | 4.6333% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.0890% | 3,005 |
| Net charge-offs to loans | 0.1860% | 1,487 |
| Credit loss provision to net charge-offs | 55.1724% | 3,318 |
| Earnings coverage of net charge-offs (x) | 21.2759% | 1,799 |
| Efficiency ratio | 63.2592% | 4,066 |
| Assets per employee ($millions) | 3.5900% | 4,626 |
| Cash dividends to net income (ytd only)* | 11.7474% | 3,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6438% | 268 |
| Loan loss allowance to noncurrent loans | 1,370.0000% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 2,394 |
| Noncurrent loans to loans | 0.1930% | 4,468 |
| Net loans and leases to total assets | 38.3265% | 5,392 |
| Net loans and leases to deposits | 51.6670% | 5,137 |
| Net loans and leases to core deposits | 52.6057% | 5,197 |
| Total domestic deposits to total assets | 74.1797% | 5,426 |
| Equity capital to assets | 24.5929% | 106 |
| Core capital (leverage) ratio | 25.3849% | 93 |
| Tier 1 risk-based capital ratio | 48.9391% | 142 |
| Total risk-based capital ratio | 50.1993% | 140 |
| Memoranda: | ||
| Average total assets | $118,894,400 | 4,016 |
| Average earning assets | $104,604,600 | 4,103 |
| Average equity | $29,396,200 | 2,408 |
| Average total loans | $46,775,000 | 4,673 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 2,221 |
| Cost of funding earning assets | 0.2187% | 4,887 |
| Net interest margin | 4.0631% | 1,492 |
| Noninterest income to average assets | 0.6924% | 2,201 |
| Noninterest expense to average assets | 2.7540% | 3,164 |
| Loan and lease loss provision to assets | 0.0504% | 3,237 |
| Net operating income to assets | 1.0577% | 2,165 |
| Return on assets (ROA) | 1.0577% | 2,287 |
| Pretax return on assets | 1.4476% | 1,884 |
| Return on Equity (ROE) | 4.2722% | 4,806 |
| Retained earnings to average equity (ytd only) | 3.5481% | 3,773 |
| Net charge-offs to loans | 0.1652% | 1,385 |
| Credit loss provision to net charge-offs | 77.5862% | 2,696 |
| Earnings coverage of net charge-offs (x) | 23.0521% | 1,724 |
| Efficiency ratio | 64.7694% | 3,797 |
| Assets per employee ($millions) | 3.5823% | 4,668 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6992% | 265 |
| Loan loss allowance to noncurrent loans | 1,007.2000% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.8138% | 2,507 |
| Noncurrent loans to loans | 0.2680% | 4,303 |
| Net loans and leases to total assets | 38.3904% | 5,449 |
| Net loans and leases to deposits | 52.5442% | 5,181 |
| Net loans and leases to core deposits | 53.5239% | 5,238 |
| Total domestic deposits to total assets | 73.0631% | 5,519 |
| Equity capital to assets | 25.3703% | 99 |
| Core capital (leverage) ratio | 24.9330% | 101 |
| Tier 1 risk-based capital ratio | 48.8590% | 142 |
| Total risk-based capital ratio | 50.1201% | 143 |
| Memoranda: | ||
| Average total assets | $119,000,750 | 4,036 |
| Average earning assets | $104,251,750 | 4,136 |
| Average equity | $29,461,500 | 2,408 |
| Average total loans | $46,809,250 | 4,709 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3023% | 2,152 |
| Cost of funding earning assets | 0.2264% | 4,878 |
| Net interest margin | 4.0759% | 1,431 |
| Noninterest income to average assets | 0.7127% | 2,080 |
| Noninterest expense to average assets | 2.7284% | 3,280 |
| Loan and lease loss provision to assets | 0.0503% | 3,143 |
| Net operating income to assets | 1.0833% | 2,018 |
| Return on assets (ROA) | 1.0833% | 2,153 |
| Pretax return on assets | 1.4657% | 1,789 |
| Return on Equity (ROE) | 4.4119% | 4,751 |
| Retained earnings to average equity (ytd only) | 3.3191% | 3,791 |
| Net charge-offs to loans | 0.0640% | 2,284 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 60.2667% | 877 |
| Efficiency ratio | 64.2829% | 3,965 |
| Assets per employee ($millions) | 3.4743% | 4,793 |
| Cash dividends to net income (ytd only)* | 24.7678% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7317% | 274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 2,854 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 38.7938% | 5,477 |
| Net loans and leases to deposits | 53.0578% | 5,194 |
| Net loans and leases to core deposits | 53.8850% | 5,285 |
| Total domestic deposits to total assets | 73.1162% | 5,597 |
| Equity capital to assets | 25.3058% | 94 |
| Core capital (leverage) ratio | 24.3342% | 103 |
| Tier 1 risk-based capital ratio | 48.2871% | 145 |
| Total risk-based capital ratio | 49.5478% | 144 |
| Memoranda: | ||
| Average total assets | $119,262,000 | 4,058 |
| Average earning assets | $103,340,330 | 4,188 |
| Average equity | $29,284,670 | 2,423 |
| Average total loans | $46,864,670 | 4,741 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 1,857 |
| Cost of funding earning assets | 0.2414% | 4,792 |
| Net interest margin | 4.1395% | 1,237 |
| Noninterest income to average assets | 0.7577% | 1,788 |
| Noninterest expense to average assets | 2.6070% | 3,729 |
| Loan and lease loss provision to assets | 0.0501% | 2,921 |
| Net operating income to assets | 1.2184% | 1,497 |
| Return on assets (ROA) | 1.2184% | 1,599 |
| Pretax return on assets | 1.5923% | 1,317 |
| Return on Equity (ROE) | 5.0379% | 4,465 |
| Retained earnings to average equity (ytd only) | 2.8295% | 4,097 |
| Net charge-offs to loans | 0.1369% | 1,289 |
| Credit loss provision to net charge-offs | 93.7500% | 1,728 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,168 |
| Efficiency ratio | 61.3511% | 4,549 |
| Assets per employee ($millions) | 3.6684% | 4,521 |
| Cash dividends to net income (ytd only)* | 43.8356% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6666% | 328 |
| Loan loss allowance to noncurrent loans | 1,068.9076% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 2,719 |
| Noncurrent loans to loans | 0.2495% | 4,538 |
| Net loans and leases to total assets | 38.3535% | 5,540 |
| Net loans and leases to deposits | 51.4642% | 5,251 |
| Net loans and leases to core deposits | 52.3775% | 5,329 |
| Total domestic deposits to total assets | 74.5246% | 5,565 |
| Equity capital to assets | 24.1008% | 110 |
| Core capital (leverage) ratio | 24.1014% | 105 |
| Tier 1 risk-based capital ratio | 47.0404% | 152 |
| Total risk-based capital ratio | 48.3003% | 150 |
| Memoranda: | ||
| Average total assets | $119,829,500 | 4,073 |
| Average earning assets | $101,076,000 | 4,267 |
| Average equity | $28,980,500 | 2,435 |
| Average total loans | $46,740,500 | 4,778 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 1,551 |
| Cost of funding earning assets | 0.2402% | 4,889 |
| Net interest margin | 4.2732% | 1,016 |
| Noninterest income to average assets | 0.6683% | 2,355 |
| Noninterest expense to average assets | 2.7597% | 3,383 |
| Loan and lease loss provision to assets | 0.0513% | 3,295 |
| Net operating income to assets | 1.1524% | 1,720 |
| Return on assets (ROA) | 1.1603% | 1,770 |
| Pretax return on assets | 1.5060% | 1,536 |
| Return on Equity (ROE) | 4.8084% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.5354% | 3,546 |
| Net charge-offs to loans | 0.0409% | 3,400 |
| Credit loss provision to net charge-offs | 315.7895% | 941 |
| Earnings coverage of net charge-offs (x) | 95.1579% | 605 |
| Efficiency ratio | 64.0771% | 4,244 |
| Assets per employee ($millions) | 3.7063% | 4,462 |
| Cash dividends to net income (ytd only)* | 26.4749% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7786% | 288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 2,933 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 37.5267% | 5,642 |
| Net loans and leases to deposits | 50.3912% | 5,371 |
| Net loans and leases to core deposits | 51.2659% | 5,441 |
| Total domestic deposits to total assets | 74.4707% | 5,602 |
| Equity capital to assets | 24.2705% | 109 |
| Core capital (leverage) ratio | 24.4152% | 96 |
| Tier 1 risk-based capital ratio | 48.8067% | 136 |
| Total risk-based capital ratio | 50.0685% | 134 |
| Memoranda: | ||
| Average total assets | $116,862,600 | 4,118 |
| Average earning assets | $99,505,000 | 4,304 |
| Average equity | $28,200,800 | 2,441 |
| Average total loans | $46,479,600 | 4,776 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 1,544 |
| Cost of funding earning assets | 0.2405% | 4,989 |
| Net interest margin | 4.2772% | 1,005 |
| Noninterest income to average assets | 0.6550% | 2,451 |
| Noninterest expense to average assets | 2.7725% | 3,297 |
| Loan and lease loss provision to assets | 0.0687% | 2,802 |
| Net operating income to assets | 1.1627% | 1,784 |
| Return on assets (ROA) | 1.1727% | 1,814 |
| Pretax return on assets | 1.4922% | 1,700 |
| Return on Equity (ROE) | 4.8666% | 4,688 |
| Retained earnings to average equity (ytd only) | 3.8971% | 3,698 |
| Net charge-offs to loans | 0.0171% | 3,610 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 225.3275% | 321 |
| Efficiency ratio | 64.1664% | 4,214 |
| Assets per employee ($millions) | 3.4548% | 4,885 |
| Cash dividends to net income (ytd only)* | 19.9216% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7381% | 326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7492% | 3,031 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 38.8599% | 5,652 |
| Net loans and leases to deposits | 52.2062% | 5,358 |
| Net loans and leases to core deposits | 53.2750% | 5,445 |
| Total domestic deposits to total assets | 74.4354% | 5,670 |
| Equity capital to assets | 24.3251% | 108 |
| Core capital (leverage) ratio | 24.1992% | 103 |
| Tier 1 risk-based capital ratio | 46.9312% | 159 |
| Total risk-based capital ratio | 48.1918% | 158 |
| Memoranda: | ||
| Average total assets | $116,428,000 | 4,174 |
| Average earning assets | $99,782,500 | 4,339 |
| Average equity | $28,054,750 | 2,468 |
| Average total loans | $46,654,750 | 4,823 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 1,612 |
| Cost of funding earning assets | 0.2409% | 5,044 |
| Net interest margin | 4.2365% | 1,034 |
| Noninterest income to average assets | 0.6564% | 2,441 |
| Noninterest expense to average assets | 2.7842% | 3,297 |
| Loan and lease loss provision to assets | 0.0724% | 2,661 |
| Net operating income to assets | 1.1325% | 1,831 |
| Return on assets (ROA) | 1.1475% | 1,858 |
| Pretax return on assets | 1.4541% | 1,788 |
| Return on Equity (ROE) | 4.7773% | 4,714 |
| Retained earnings to average equity (ytd only) | 3.3140% | 3,935 |
| Net charge-offs to loans | 0.0215% | 3,235 |
| Credit loss provision to net charge-offs | 840.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 380 |
| Efficiency ratio | 64.8735% | 4,211 |
| Assets per employee ($millions) | 3.6748% | 4,483 |
| Cash dividends to net income (ytd only)* | 30.6306% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7085% | 373 |
| Loan loss allowance to noncurrent loans | 1,393.4066% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 3,019 |
| Noncurrent loans to loans | 0.1944% | 4,998 |
| Net loans and leases to total assets | 38.7333% | 5,704 |
| Net loans and leases to deposits | 51.6107% | 5,407 |
| Net loans and leases to core deposits | 53.5859% | 5,445 |
| Total domestic deposits to total assets | 75.0489% | 5,701 |
| Equity capital to assets | 23.7317% | 114 |
| Core capital (leverage) ratio | 23.8567% | 106 |
| Tier 1 risk-based capital ratio | 47.5690% | 169 |
| Total risk-based capital ratio | 48.8308% | 167 |
| Memoranda: | ||
| Average total assets | $116,083,000 | 4,219 |
| Average earning assets | $99,611,670 | 4,378 |
| Average equity | $27,882,000 | 2,492 |
| Average total loans | $46,562,670 | 4,868 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 1,575 |
| Cost of funding earning assets | 0.2446% | 5,080 |
| Net interest margin | 4.2186% | 1,024 |
| Noninterest income to average assets | 0.7006% | 2,159 |
| Noninterest expense to average assets | 2.6707% | 3,696 |
| Loan and lease loss provision to assets | 0.0728% | 2,483 |
| Net operating income to assets | 1.3076% | 1,250 |
| Return on assets (ROA) | 1.3076% | 1,339 |
| Pretax return on assets | 1.6059% | 1,258 |
| Return on Equity (ROE) | 5.4109% | 4,328 |
| Retained earnings to average equity (ytd only) | 2.4830% | 4,445 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4035% | 4,898 |
| Assets per employee ($millions) | 3.8198% | 4,307 |
| Cash dividends to net income (ytd only)* | 54.1114% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7142% | 402 |
| Loan loss allowance to noncurrent loans | 17,885.7143% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 3,355 |
| Noncurrent loans to loans | 0.0152% | 5,744 |
| Net loans and leases to total assets | 37.8975% | 5,725 |
| Net loans and leases to deposits | 50.4434% | 5,427 |
| Net loans and leases to core deposits | 52.2057% | 5,475 |
| Total domestic deposits to total assets | 75.1288% | 5,816 |
| Equity capital to assets | 23.6847% | 114 |
| Core capital (leverage) ratio | 23.7543% | 105 |
| Tier 1 risk-based capital ratio | 47.6145% | 164 |
| Total risk-based capital ratio | 48.8752% | 165 |
| Memoranda: | ||
| Average total assets | $115,327,500 | 4,263 |
| Average earning assets | $99,749,000 | 4,404 |
| Average equity | $27,869,500 | 2,509 |
| Average total loans | $46,436,000 | 4,902 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 1,606 |
| Cost of funding earning assets | 0.2675% | 5,128 |
| Net interest margin | 4.3173% | 1,026 |
| Noninterest income to average assets | 0.6219% | 2,726 |
| Noninterest expense to average assets | 2.7630% | 3,622 |
| Loan and lease loss provision to assets | 0.1203% | 2,170 |
| Net operating income to assets | 1.1582% | 1,731 |
| Return on assets (ROA) | 1.1610% | 1,790 |
| Pretax return on assets | 1.4809% | 1,612 |
| Return on Equity (ROE) | 4.8918% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.3324% | 3,107 |
| Net charge-offs to loans | 0.2321% | 1,817 |
| Credit loss provision to net charge-offs | 120.5357% | 1,988 |
| Earnings coverage of net charge-offs (x) | 16.0089% | 2,045 |
| Efficiency ratio | 63.3633% | 4,691 |
| Assets per employee ($millions) | 3.4012% | 5,056 |
| Cash dividends to net income (ytd only)* | 11.4351% | 4,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6335% | 468 |
| Loan loss allowance to noncurrent loans | 1,641.3333% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 2,996 |
| Noncurrent loans to loans | 0.1604% | 5,253 |
| Net loans and leases to total assets | 40.5494% | 5,706 |
| Net loans and leases to deposits | 54.6198% | 5,284 |
| Net loans and leases to core deposits | 55.2852% | 5,425 |
| Total domestic deposits to total assets | 74.2394% | 5,929 |
| Equity capital to assets | 24.6728% | 103 |
| Core capital (leverage) ratio | 24.6682% | 94 |
| Tier 1 risk-based capital ratio | 48.1146% | 146 |
| Total risk-based capital ratio | 49.3756% | 146 |
| Memoranda: | ||
| Average total assets | $112,231,600 | 4,337 |
| Average earning assets | $97,190,200 | 4,475 |
| Average equity | $26,636,200 | 2,518 |
| Average total loans | $48,253,400 | 4,872 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,541 |
| Cost of funding earning assets | 0.2747% | 5,156 |
| Net interest margin | 4.3331% | 982 |
| Noninterest income to average assets | 0.6296% | 2,689 |
| Noninterest expense to average assets | 2.6980% | 3,834 |
| Loan and lease loss provision to assets | 0.1426% | 1,761 |
| Net operating income to assets | 1.1405% | 1,897 |
| Return on assets (ROA) | 1.1441% | 1,946 |
| Pretax return on assets | 1.5420% | 1,504 |
| Return on Equity (ROE) | 4.8687% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.1154% | 3,726 |
| Net charge-offs to loans | 0.2358% | 1,636 |
| Credit loss provision to net charge-offs | 139.5349% | 1,684 |
| Earnings coverage of net charge-offs (x) | 16.4424% | 1,971 |
| Efficiency ratio | 61.6282% | 4,942 |
| Assets per employee ($millions) | 3.1845% | 5,462 |
| Cash dividends to net income (ytd only)* | 15.4723% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6355% | 540 |
| Loan loss allowance to noncurrent loans | 1,749.2958% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 3,128 |
| Noncurrent loans to loans | 0.1507% | 5,458 |
| Net loans and leases to total assets | 42.3767% | 5,643 |
| Net loans and leases to deposits | 57.7283% | 5,119 |
| Net loans and leases to core deposits | 58.0937% | 5,325 |
| Total domestic deposits to total assets | 73.4073% | 6,065 |
| Equity capital to assets | 25.1298% | 95 |
| Core capital (leverage) ratio | 24.2516% | 97 |
| Tier 1 risk-based capital ratio | 47.9468% | 147 |
| Total risk-based capital ratio | 49.2085% | 146 |
| Memoranda: | ||
| Average total assets | $112,229,250 | 4,375 |
| Average earning assets | $97,080,000 | 4,521 |
| Average equity | $26,372,000 | 2,542 |
| Average total loans | $48,630,750 | 4,914 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 1,552 |
| Cost of funding earning assets | 0.2791% | 5,203 |
| Net interest margin | 4.3133% | 997 |
| Noninterest income to average assets | 0.6376% | 2,618 |
| Noninterest expense to average assets | 2.6438% | 4,081 |
| Loan and lease loss provision to assets | 0.1585% | 1,571 |
| Net operating income to assets | 1.1352% | 1,800 |
| Return on assets (ROA) | 1.1378% | 1,879 |
| Pretax return on assets | 1.5412% | 1,421 |
| Return on Equity (ROE) | 4.9515% | 4,695 |
| Retained earnings to average equity (ytd only) | 3.8095% | 3,756 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9172% | 5,153 |
| Assets per employee ($millions) | 3.3516% | 5,153 |
| Cash dividends to net income (ytd only)* | 23.0650% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6690% | 555 |
| Loan loss allowance to noncurrent loans | 1,366.3158% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 3,189 |
| Noncurrent loans to loans | 0.1953% | 5,434 |
| Net loans and leases to total assets | 40.3509% | 5,790 |
| Net loans and leases to deposits | 56.2075% | 5,177 |
| Net loans and leases to core deposits | 56.8147% | 5,361 |
| Total domestic deposits to total assets | 71.7892% | 6,264 |
| Equity capital to assets | 22.8386% | 128 |
| Core capital (leverage) ratio | 23.7867% | 102 |
| Tier 1 risk-based capital ratio | 44.8859% | 179 |
| Total risk-based capital ratio | 46.1479% | 176 |
| Memoranda: | ||
| Average total assets | $113,547,670 | 4,374 |
| Average earning assets | $97,465,000 | 4,544 |
| Average equity | $26,093,000 | 2,555 |
| Average total loans | $49,132,670 | 4,919 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 1,629 |
| Cost of funding earning assets | 0.2795% | 5,288 |
| Net interest margin | 4.2745% | 1,052 |
| Noninterest income to average assets | 0.6770% | 2,310 |
| Noninterest expense to average assets | 2.5576% | 4,420 |
| Loan and lease loss provision to assets | 0.1612% | 1,507 |
| Net operating income to assets | 1.2716% | 1,293 |
| Return on assets (ROA) | 1.2716% | 1,343 |
| Pretax return on assets | 1.6836% | 1,009 |
| Return on Equity (ROE) | 5.5158% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.2007% | 4,202 |
| Net charge-offs to loans | -0.0162% | 5,245 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0960% | 5,634 |
| Assets per employee ($millions) | 3.4478% | 5,037 |
| Cash dividends to net income (ytd only)* | 41.9718% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5414% | 777 |
| Loan loss allowance to noncurrent loans | 3,302.6316% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.6987% | 4,015 |
| Noncurrent loans to loans | 0.0770% | 5,906 |
| Net loans and leases to total assets | 42.2998% | 5,641 |
| Net loans and leases to deposits | 55.6433% | 5,141 |
| Net loans and leases to core deposits | 56.3938% | 5,327 |
| Total domestic deposits to total assets | 76.0195% | 6,073 |
| Equity capital to assets | 22.9389% | 129 |
| Core capital (leverage) ratio | 23.6357% | 110 |
| Tier 1 risk-based capital ratio | 44.3683% | 183 |
| Total risk-based capital ratio | 45.6295% | 183 |
| Memoranda: | ||
| Average total assets | $111,668,500 | 4,453 |
| Average earning assets | $97,320,500 | 4,588 |
| Average equity | $25,744,000 | 2,579 |
| Average total loans | $49,383,000 | 4,952 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 1,480 |
| Cost of funding earning assets | 0.3466% | 5,173 |
| Net interest margin | 4.3889% | 932 |
| Noninterest income to average assets | 0.6730% | 2,687 |
| Noninterest expense to average assets | 2.5280% | 4,678 |
| Loan and lease loss provision to assets | 0.2261% | 1,610 |
| Net operating income to assets | 1.3496% | 1,135 |
| Return on assets (ROA) | 1.3496% | 1,177 |
| Pretax return on assets | 1.7592% | 835 |
| Return on Equity (ROE) | 5.9659% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.4053% | 2,346 |
| Net charge-offs to loans | 0.0257% | 4,908 |
| Credit loss provision to net charge-offs | 1,961.5385% | 126 |
| Earnings coverage of net charge-offs (x) | 172.2308% | 269 |
| Efficiency ratio | 56.0118% | 5,944 |
| Assets per employee ($millions) | 3.5342% | 4,835 |
| Cash dividends to net income (ytd only)* | 9.3955% | 4,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4461% | 882 |
| Loan loss allowance to noncurrent loans | 1,220.2020% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 3,515 |
| Noncurrent loans to loans | 0.2005% | 5,588 |
| Net loans and leases to total assets | 43.9719% | 5,674 |
| Net loans and leases to deposits | 57.9945% | 5,125 |
| Net loans and leases to core deposits | 58.6297% | 5,337 |
| Total domestic deposits to total assets | 75.8208% | 6,113 |
| Equity capital to assets | 23.1734% | 123 |
| Core capital (leverage) ratio | 23.3125% | 111 |
| Tier 1 risk-based capital ratio | 44.3622% | 174 |
| Total risk-based capital ratio | 45.6178% | 174 |
| Memoranda: | ||
| Average total assets | $112,775,400 | 4,441 |
| Average earning assets | $98,679,800 | 4,545 |
| Average equity | $25,511,800 | 2,585 |
| Average total loans | $50,519,800 | 4,944 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 1,535 |
| Cost of funding earning assets | 0.3548% | 5,253 |
| Net interest margin | 4.3696% | 948 |
| Noninterest income to average assets | 0.6773% | 2,740 |
| Noninterest expense to average assets | 2.4487% | 4,881 |
| Loan and lease loss provision to assets | 0.2465% | 1,449 |
| Net operating income to assets | 1.4533% | 978 |
| Return on assets (ROA) | 1.4533% | 1,029 |
| Pretax return on assets | 1.7984% | 916 |
| Return on Equity (ROE) | 6.4623% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.7158% | 2,582 |
| Net charge-offs to loans | 0.0079% | 5,003 |
| Credit loss provision to net charge-offs | 7,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 580.6525% | 99 |
| Efficiency ratio | 54.4932% | 6,059 |
| Assets per employee ($millions) | 3.3650% | 5,147 |
| Cash dividends to net income (ytd only)* | 11.5507% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3219% | 1,150 |
| Loan loss allowance to noncurrent loans | 6,173.6842% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 3,923 |
| Noncurrent loans to loans | 0.0376% | 6,230 |
| Net loans and leases to total assets | 44.4382% | 5,691 |
| Net loans and leases to deposits | 59.6954% | 5,013 |
| Net loans and leases to core deposits | 60.5391% | 5,257 |
| Total domestic deposits to total assets | 74.4417% | 6,337 |
| Equity capital to assets | 22.8594% | 124 |
| Core capital (leverage) ratio | 22.8475% | 116 |
| Tier 1 risk-based capital ratio | 43.1741% | 198 |
| Total risk-based capital ratio | 44.4327% | 197 |
| Memoranda: | ||
| Average total assets | $113,579,000 | 4,460 |
| Average earning assets | $99,198,000 | 4,580 |
| Average equity | $25,542,500 | 2,615 |
| Average total loans | $50,803,750 | 4,974 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 1,651 |
| Cost of funding earning assets | 0.3697% | 5,230 |
| Net interest margin | 4.2997% | 1,034 |
| Noninterest income to average assets | 0.6590% | 2,863 |
| Noninterest expense to average assets | 2.4558% | 4,877 |
| Loan and lease loss provision to assets | 0.2622% | 1,414 |
| Net operating income to assets | 1.3529% | 1,186 |
| Return on assets (ROA) | 1.3529% | 1,270 |
| Pretax return on assets | 1.6815% | 1,153 |
| Return on Equity (ROE) | 6.0480% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.9306% | 3,097 |
| Net charge-offs to loans | -0.0039% | 5,594 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8204% | 5,985 |
| Assets per employee ($millions) | 3.3803% | 5,117 |
| Cash dividends to net income (ytd only)* | 18.4755% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1977% | 1,427 |
| Loan loss allowance to noncurrent loans | 353.1646% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 3,207 |
| Noncurrent loans to loans | 0.6223% | 4,698 |
| Net loans and leases to total assets | 43.2133% | 5,807 |
| Net loans and leases to deposits | 57.1105% | 5,239 |
| Net loans and leases to core deposits | 58.0796% | 5,418 |
| Total domestic deposits to total assets | 75.6661% | 6,284 |
| Equity capital to assets | 21.7384% | 146 |
| Core capital (leverage) ratio | 22.2086% | 119 |
| Tier 1 risk-based capital ratio | 40.7463% | 216 |
| Total risk-based capital ratio | 41.9906% | 216 |
| Memoranda: | ||
| Average total assets | $114,424,000 | 4,476 |
| Average earning assets | $99,542,000 | 4,599 |
| Average equity | $25,595,330 | 2,615 |
| Average total loans | $50,898,670 | 4,984 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 1,707 |
| Cost of funding earning assets | 0.3801% | 5,286 |
| Net interest margin | 4.2615% | 1,045 |
| Noninterest income to average assets | 0.6692% | 2,765 |
| Noninterest expense to average assets | 2.3684% | 5,203 |
| Loan and lease loss provision to assets | 0.2628% | 1,351 |
| Net operating income to assets | 1.4014% | 1,019 |
| Return on assets (ROA) | 1.4014% | 1,109 |
| Pretax return on assets | 1.7307% | 1,002 |
| Return on Equity (ROE) | 6.1774% | 3,950 |
| Retained earnings to average equity (ytd only) | 3.9690% | 3,856 |
| Net charge-offs to loans | 0.0471% | 3,374 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 94.8333% | 404 |
| Efficiency ratio | 54.2972% | 6,204 |
| Assets per employee ($millions) | 3.5983% | 4,785 |
| Cash dividends to net income (ytd only)* | 35.7500% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0470% | 1,923 |
| Loan loss allowance to noncurrent loans | 216.9811% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 3,479 |
| Noncurrent loans to loans | 0.9434% | 4,257 |
| Net loans and leases to total assets | 43.0115% | 5,759 |
| Net loans and leases to deposits | 56.4219% | 5,202 |
| Net loans and leases to core deposits | 57.3702% | 5,399 |
| Total domestic deposits to total assets | 76.2319% | 6,338 |
| Equity capital to assets | 22.5331% | 138 |
| Core capital (leverage) ratio | 21.9507% | 135 |
| Tier 1 risk-based capital ratio | 41.7495% | 209 |
| Total risk-based capital ratio | 43.0053% | 210 |
| Memoranda: | ||
| Average total assets | $114,171,000 | 4,523 |
| Average earning assets | $98,932,000 | 4,657 |
| Average equity | $25,901,000 | 2,622 |
| Average total loans | $50,957,500 | 5,018 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 1,468 |
| Cost of funding earning assets | 0.5162% | 5,103 |
| Net interest margin | 4.5208% | 904 |
| Noninterest income to average assets | 0.6347% | 3,080 |
| Noninterest expense to average assets | 2.5406% | 4,964 |
| Loan and lease loss provision to assets | 0.2634% | 2,540 |
| Net operating income to assets | 1.3278% | 1,239 |
| Return on assets (ROA) | 1.3528% | 1,312 |
| Pretax return on assets | 1.7461% | 1,026 |
| Return on Equity (ROE) | 6.1312% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.0410% | 2,677 |
| Net charge-offs to loans | 0.5287% | 2,142 |
| Credit loss provision to net charge-offs | 104.8951% | 2,842 |
| Earnings coverage of net charge-offs (x) | 7.8741% | 2,513 |
| Efficiency ratio | 56.2379% | 6,035 |
| Assets per employee ($millions) | 3.3293% | 5,363 |
| Cash dividends to net income (ytd only)* | 17.7807% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 2,347 |
| Loan loss allowance to noncurrent loans | 275.2137% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 1.3128% | 3,456 |
| Noncurrent loans to loans | 0.6835% | 4,832 |
| Net loans and leases to total assets | 44.5139% | 5,768 |
| Net loans and leases to deposits | 58.6466% | 5,170 |
| Net loans and leases to core deposits | 59.8674% | 5,374 |
| Total domestic deposits to total assets | 75.9020% | 6,368 |
| Equity capital to assets | 22.8418% | 131 |
| Core capital (leverage) ratio | 22.0032% | 134 |
| Tier 1 risk-based capital ratio | 41.1040% | 217 |
| Total risk-based capital ratio | 42.3580% | 214 |
| Memoranda: | ||
| Average total assets | $113,910,200 | 4,499 |
| Average earning assets | $97,836,800 | 4,640 |
| Average equity | $25,133,800 | 2,645 |
| Average total loans | $54,097,400 | 4,935 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0660% | 1,509 |
| Cost of funding earning assets | 0.5370% | 5,188 |
| Net interest margin | 4.5289% | 937 |
| Noninterest income to average assets | 0.6580% | 2,949 |
| Noninterest expense to average assets | 2.4694% | 5,181 |
| Loan and lease loss provision to assets | 0.2629% | 2,471 |
| Net operating income to assets | 1.3800% | 1,268 |
| Return on assets (ROA) | 1.4129% | 1,311 |
| Pretax return on assets | 1.8617% | 939 |
| Return on Equity (ROE) | 6.4599% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.7279% | 2,878 |
| Net charge-offs to loans | 0.4454% | 2,325 |
| Credit loss provision to net charge-offs | 122.9508% | 2,351 |
| Earnings coverage of net charge-offs (x) | 9.7324% | 2,277 |
| Efficiency ratio | 54.2630% | 6,224 |
| Assets per employee ($millions) | 3.2041% | 5,627 |
| Cash dividends to net income (ytd only)* | 11.3315% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9128% | 2,431 |
| Loan loss allowance to noncurrent loans | 24,850.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 4,054 |
| Noncurrent loans to loans | 0.0077% | 6,657 |
| Net loans and leases to total assets | 45.4532% | 5,821 |
| Net loans and leases to deposits | 60.4218% | 5,155 |
| Net loans and leases to core deposits | 61.5155% | 5,402 |
| Total domestic deposits to total assets | 75.2265% | 6,488 |
| Equity capital to assets | 22.8866% | 143 |
| Core capital (leverage) ratio | 21.6947% | 148 |
| Tier 1 risk-based capital ratio | 40.4113% | 231 |
| Total risk-based capital ratio | 41.6669% | 228 |
| Memoranda: | ||
| Average total assets | $114,088,750 | 4,537 |
| Average earning assets | $98,063,500 | 4,687 |
| Average equity | $24,953,250 | 2,691 |
| Average total loans | $54,783,250 | 4,962 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 1,590 |
| Cost of funding earning assets | 0.5592% | 5,237 |
| Net interest margin | 4.5125% | 969 |
| Noninterest income to average assets | 0.6606% | 2,888 |
| Noninterest expense to average assets | 2.5031% | 5,125 |
| Loan and lease loss provision to assets | 0.2615% | 2,483 |
| Net operating income to assets | 1.3189% | 1,393 |
| Return on assets (ROA) | 1.3666% | 1,427 |
| Pretax return on assets | 1.8425% | 957 |
| Return on Equity (ROE) | 6.3442% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.2355% | 3,132 |
| Net charge-offs to loans | -0.0359% | 6,575 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1036% | 6,215 |
| Assets per employee ($millions) | 3.2533% | 5,550 |
| Cash dividends to net income (ytd only)* | 17.4745% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0568% | 2,094 |
| Loan loss allowance to noncurrent loans | 226.9388% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 3,838 |
| Noncurrent loans to loans | 0.9063% | 4,687 |
| Net loans and leases to total assets | 46.5042% | 5,778 |
| Net loans and leases to deposits | 60.5671% | 5,189 |
| Net loans and leases to core deposits | 61.1971% | 5,473 |
| Total domestic deposits to total assets | 76.7813% | 6,364 |
| Equity capital to assets | 22.0682% | 156 |
| Core capital (leverage) ratio | 21.2023% | 153 |
| Tier 1 risk-based capital ratio | 38.2647% | 271 |
| Total risk-based capital ratio | 39.5215% | 261 |
| Memoranda: | ||
| Average total assets | $114,737,000 | 4,542 |
| Average earning assets | $98,704,330 | 4,700 |
| Average equity | $24,715,670 | 2,696 |
| Average total loans | $55,722,000 | 4,962 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 1,776 |
| Cost of funding earning assets | 0.5809% | 5,279 |
| Net interest margin | 4.4538% | 1,101 |
| Noninterest income to average assets | 0.6807% | 2,754 |
| Noninterest expense to average assets | 2.3686% | 5,573 |
| Loan and lease loss provision to assets | 0.2605% | 2,370 |
| Net operating income to assets | 1.4431% | 1,135 |
| Return on assets (ROA) | 1.5420% | 1,073 |
| Pretax return on assets | 2.0144% | 719 |
| Return on Equity (ROE) | 7.2462% | 3,633 |
| Retained earnings to average equity (ytd only) | 5.0103% | 3,553 |
| Net charge-offs to loans | -0.0071% | 5,860 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4615% | 6,499 |
| Assets per employee ($millions) | 3.2146% | 5,734 |
| Cash dividends to net income (ytd only)* | 30.8559% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 2,926 |
| Loan loss allowance to noncurrent loans | 86.3866% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 4,159 |
| Noncurrent loans to loans | 2.1064% | 3,021 |
| Net loans and leases to total assets | 47.9291% | 5,565 |
| Net loans and leases to deposits | 61.8254% | 4,945 |
| Net loans and leases to core deposits | 62.8126% | 5,244 |
| Total domestic deposits to total assets | 77.5234% | 6,332 |
| Equity capital to assets | 21.3161% | 168 |
| Core capital (leverage) ratio | 20.9299% | 165 |
| Tier 1 risk-based capital ratio | 36.9352% | 288 |
| Total risk-based capital ratio | 38.1886% | 286 |
| Memoranda: | ||
| Average total assets | $115,173,000 | 4,556 |
| Average earning assets | $99,152,000 | 4,714 |
| Average equity | $24,509,500 | 2,713 |
| Average total loans | $56,551,000 | 4,962 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4864% | 1,197 |
| Cost of funding earning assets | 0.7653% | 5,095 |
| Net interest margin | 4.7211% | 718 |
| Noninterest income to average assets | 0.7300% | 2,444 |
| Noninterest expense to average assets | 2.5236% | 5,388 |
| Loan and lease loss provision to assets | 0.1789% | 4,405 |
| Net operating income to assets | 1.5950% | 668 |
| Return on assets (ROA) | 1.5950% | 730 |
| Pretax return on assets | 2.1005% | 440 |
| Return on Equity (ROE) | 7.7013% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.1355% | 1,436 |
| Net charge-offs to loans | 0.4315% | 3,278 |
| Credit loss provision to net charge-offs | 80.3213% | 4,435 |
| Earnings coverage of net charge-offs (x) | 10.2329% | 1,869 |
| Efficiency ratio | 52.5424% | 6,658 |
| Assets per employee ($millions) | 3.3712% | 5,320 |
| Cash dividends to net income (ytd only)* | 7.3472% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 3,272 |
| Loan loss allowance to noncurrent loans | 225.0591% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 5,415 |
| Noncurrent loans to loans | 0.7472% | 5,203 |
| Net loans and leases to total assets | 48.5565% | 5,771 |
| Net loans and leases to deposits | 62.5208% | 5,172 |
| Net loans and leases to core deposits | 63.5596% | 5,515 |
| Total domestic deposits to total assets | 77.6647% | 6,248 |
| Equity capital to assets | 21.2448% | 181 |
| Core capital (leverage) ratio | 21.2770% | 157 |
| Tier 1 risk-based capital ratio | 36.6438% | 296 |
| Total risk-based capital ratio | 37.8956% | 295 |
| Memoranda: | ||
| Average total assets | $111,783,400 | 4,598 |
| Average earning assets | $96,438,600 | 4,733 |
| Average equity | $23,152,000 | 2,761 |
| Average total loans | $57,710,600 | 4,959 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5572% | 1,120 |
| Cost of funding earning assets | 0.8054% | 5,116 |
| Net interest margin | 4.7518% | 686 |
| Noninterest income to average assets | 0.7598% | 2,263 |
| Noninterest expense to average assets | 2.5256% | 5,372 |
| Loan and lease loss provision to assets | 0.1681% | 4,368 |
| Net operating income to assets | 1.6637% | 690 |
| Return on assets (ROA) | 1.6637% | 751 |
| Pretax return on assets | 2.1739% | 450 |
| Return on Equity (ROE) | 8.0865% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.3222% | 1,801 |
| Net charge-offs to loans | 0.1196% | 4,833 |
| Credit loss provision to net charge-offs | 269.2308% | 1,063 |
| Earnings coverage of net charge-offs (x) | 37.5201% | 804 |
| Efficiency ratio | 51.8866% | 6,687 |
| Assets per employee ($millions) | 3.1749% | 5,741 |
| Cash dividends to net income (ytd only)* | 9.4516% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9043% | 2,599 |
| Loan loss allowance to noncurrent loans | 716.4474% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 6,029 |
| Noncurrent loans to loans | 0.2658% | 6,343 |
| Net loans and leases to total assets | 50.4837% | 5,637 |
| Net loans and leases to deposits | 65.3107% | 5,011 |
| Net loans and leases to core deposits | 66.9188% | 5,319 |
| Total domestic deposits to total assets | 77.2977% | 6,331 |
| Equity capital to assets | 21.5288% | 183 |
| Core capital (leverage) ratio | 20.9256% | 179 |
| Tier 1 risk-based capital ratio | 36.0912% | 318 |
| Total risk-based capital ratio | 37.3467% | 315 |
| Memoranda: | ||
| Average total assets | $111,074,000 | 4,643 |
| Average earning assets | $96,016,500 | 4,776 |
| Average equity | $22,852,250 | 2,795 |
| Average total loans | $57,986,250 | 4,997 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 1,207 |
| Cost of funding earning assets | 0.8502% | 5,058 |
| Net interest margin | 4.6908% | 746 |
| Noninterest income to average assets | 0.7582% | 2,218 |
| Noninterest expense to average assets | 2.5158% | 5,467 |
| Loan and lease loss provision to assets | 0.1441% | 4,507 |
| Net operating income to assets | 1.6424% | 676 |
| Return on assets (ROA) | 1.6424% | 720 |
| Pretax return on assets | 2.1520% | 446 |
| Return on Equity (ROE) | 8.1083% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.9437% | 1,903 |
| Net charge-offs to loans | 0.1305% | 4,434 |
| Credit loss provision to net charge-offs | 210.5263% | 1,431 |
| Earnings coverage of net charge-offs (x) | 33.5526% | 853 |
| Efficiency ratio | 52.2829% | 6,765 |
| Assets per employee ($millions) | 3.1138% | 5,844 |
| Cash dividends to net income (ytd only)* | 14.3640% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 2,996 |
| Loan loss allowance to noncurrent loans | 1,469.0141% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 6,297 |
| Noncurrent loans to loans | 0.1224% | 6,674 |
| Net loans and leases to total assets | 50.8069% | 5,716 |
| Net loans and leases to deposits | 65.1133% | 5,129 |
| Net loans and leases to core deposits | 66.7041% | 5,419 |
| Total domestic deposits to total assets | 78.0285% | 6,286 |
| Equity capital to assets | 20.6905% | 227 |
| Core capital (leverage) ratio | 20.4750% | 203 |
| Tier 1 risk-based capital ratio | 34.9578% | 349 |
| Total risk-based capital ratio | 36.2114% | 339 |
| Memoranda: | ||
| Average total assets | $111,058,330 | 4,677 |
| Average earning assets | $95,974,330 | 4,817 |
| Average equity | $22,495,330 | 2,815 |
| Average total loans | $58,252,670 | 5,039 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 1,241 |
| Cost of funding earning assets | 0.9153% | 4,816 |
| Net interest margin | 4.6059% | 853 |
| Noninterest income to average assets | 0.8178% | 1,959 |
| Noninterest expense to average assets | 2.5764% | 5,310 |
| Loan and lease loss provision to assets | 0.1303% | 4,372 |
| Net operating income to assets | 1.5669% | 747 |
| Return on assets (ROA) | 1.5669% | 787 |
| Pretax return on assets | 2.0807% | 489 |
| Return on Equity (ROE) | 7.8206% | 2,995 |
| Retained earnings to average equity (ytd only) | 5.4546% | 2,932 |
| Net charge-offs to loans | 0.1644% | 3,496 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 25.4583% | 964 |
| Efficiency ratio | 53.8171% | 6,708 |
| Assets per employee ($millions) | 3.1370% | 5,860 |
| Cash dividends to net income (ytd only)* | 30.2540% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 3,203 |
| Loan loss allowance to noncurrent loans | 1,607.9365% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 6,484 |
| Noncurrent loans to loans | 0.1084% | 6,781 |
| Net loans and leases to total assets | 50.5849% | 5,772 |
| Net loans and leases to deposits | 63.9179% | 5,266 |
| Net loans and leases to core deposits | 65.2555% | 5,593 |
| Total domestic deposits to total assets | 79.1404% | 6,158 |
| Equity capital to assets | 19.8103% | 265 |
| Core capital (leverage) ratio | 20.1893% | 221 |
| Tier 1 risk-based capital ratio | 34.0880% | 375 |
| Total risk-based capital ratio | 35.3411% | 363 |
| Memoranda: | ||
| Average total assets | $110,540,000 | 4,722 |
| Average earning assets | $95,269,500 | 4,874 |
| Average equity | $22,146,500 | 2,851 |
| Average total loans | $58,381,500 | 5,073 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7481% | 1,409 |
| Cost of funding earning assets | 1.0982% | 5,143 |
| Net interest margin | 4.6499% | 909 |
| Noninterest income to average assets | 0.7923% | 2,323 |
| Noninterest expense to average assets | 2.7982% | 4,616 |
| Loan and lease loss provision to assets | 0.1144% | 6,014 |
| Net operating income to assets | 1.5024% | 763 |
| Return on assets (ROA) | 1.5340% | 774 |
| Pretax return on assets | 1.9936% | 483 |
| Return on Equity (ROE) | 7.4761% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.8906% | 1,371 |
| Net charge-offs to loans | 0.1314% | 5,590 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 30.1111% | 734 |
| Efficiency ratio | 57.5152% | 6,393 |
| Assets per employee ($millions) | 3.1809% | 5,714 |
| Cash dividends to net income (ytd only)* | 7.8310% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 3,190 |
| Loan loss allowance to noncurrent loans | 645.8065% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 6,606 |
| Noncurrent loans to loans | 0.2644% | 6,535 |
| Net loans and leases to total assets | 53.2811% | 5,743 |
| Net loans and leases to deposits | 67.7934% | 5,130 |
| Net loans and leases to core deposits | 69.0187% | 5,551 |
| Total domestic deposits to total assets | 78.5934% | 6,192 |
| Equity capital to assets | 20.2693% | 246 |
| Core capital (leverage) ratio | 20.9567% | 203 |
| Tier 1 risk-based capital ratio | 33.9020% | 376 |
| Total risk-based capital ratio | 35.1562% | 369 |
| Memoranda: | ||
| Average total assets | $104,888,200 | 4,854 |
| Average earning assets | $91,873,600 | 4,948 |
| Average equity | $21,522,000 | 2,945 |
| Average total loans | $54,783,200 | 5,281 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7303% | 1,608 |
| Cost of funding earning assets | 1.1152% | 5,348 |
| Net interest margin | 4.6151% | 1,010 |
| Noninterest income to average assets | 0.8161% | 2,148 |
| Noninterest expense to average assets | 2.7890% | 4,535 |
| Loan and lease loss provision to assets | 0.1153% | 5,876 |
| Net operating income to assets | 1.5714% | 785 |
| Return on assets (ROA) | 1.6155% | 794 |
| Pretax return on assets | 2.0280% | 587 |
| Return on Equity (ROE) | 7.8483% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.0642% | 1,807 |
| Net charge-offs to loans | 0.1115% | 5,424 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 36.2213% | 756 |
| Efficiency ratio | 57.1841% | 6,391 |
| Assets per employee ($millions) | 3.2200% | 5,631 |
| Cash dividends to net income (ytd only)* | 9.9923% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 2,822 |
| Loan loss allowance to noncurrent loans | 16,633.3333% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 6,917 |
| Noncurrent loans to loans | 0.0108% | 7,244 |
| Net loans and leases to total assets | 53.1905% | 5,958 |
| Net loans and leases to deposits | 69.9001% | 5,159 |
| Net loans and leases to core deposits | 70.7118% | 5,680 |
| Total domestic deposits to total assets | 76.0950% | 6,634 |
| Equity capital to assets | 21.6652% | 205 |
| Core capital (leverage) ratio | 20.6459% | 222 |
| Tier 1 risk-based capital ratio | 35.4773% | 339 |
| Total risk-based capital ratio | 36.7324% | 332 |
| Memoranda: | ||
| Average total assets | $104,073,000 | 4,932 |
| Average earning assets | $91,581,500 | 5,020 |
| Average equity | $21,422,250 | 2,991 |
| Average total loans | $53,823,000 | 5,396 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6751% | 1,855 |
| Cost of funding earning assets | 1.1390% | 5,467 |
| Net interest margin | 4.5361% | 1,132 |
| Noninterest income to average assets | 0.8351% | 1,942 |
| Noninterest expense to average assets | 2.7620% | 4,653 |
| Loan and lease loss provision to assets | 0.1149% | 5,754 |
| Net operating income to assets | 1.5323% | 844 |
| Return on assets (ROA) | 1.5323% | 903 |
| Pretax return on assets | 1.9250% | 704 |
| Return on Equity (ROE) | 7.5752% | 3,068 |
| Retained earnings to average equity (ytd only) | 6.3821% | 2,129 |
| Net charge-offs to loans | 0.1430% | 4,795 |
| Credit loss provision to net charge-offs | 157.8947% | 2,494 |
| Earnings coverage of net charge-offs (x) | 28.0263% | 960 |
| Efficiency ratio | 57.5189% | 6,450 |
| Assets per employee ($millions) | 3.0959% | 5,928 |
| Cash dividends to net income (ytd only)* | 15.7500% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,769 |
| Loan loss allowance to noncurrent loans | 97,500.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 6,822 |
| Noncurrent loans to loans | 0.0018% | 7,342 |
| Net loans and leases to total assets | 50.9648% | 6,314 |
| Net loans and leases to deposits | 64.9597% | 5,918 |
| Net loans and leases to core deposits | 65.6754% | 6,273 |
| Total domestic deposits to total assets | 78.4560% | 6,158 |
| Equity capital to assets | 20.5484% | 258 |
| Core capital (leverage) ratio | 20.1489% | 242 |
| Tier 1 risk-based capital ratio | 34.8469% | 357 |
| Total risk-based capital ratio | 36.1014% | 348 |
| Memoranda: | ||
| Average total assets | $104,417,000 | 4,955 |
| Average earning assets | $91,311,000 | 5,053 |
| Average equity | $21,121,670 | 3,023 |
| Average total loans | $53,162,000 | 5,462 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6241% | 2,056 |
| Cost of funding earning assets | 1.1504% | 5,655 |
| Net interest margin | 4.4738% | 1,201 |
| Noninterest income to average assets | 0.8423% | 1,838 |
| Noninterest expense to average assets | 2.9155% | 3,996 |
| Loan and lease loss provision to assets | 0.1154% | 5,453 |
| Net operating income to assets | 1.3231% | 1,244 |
| Return on assets (ROA) | 1.3231% | 1,318 |
| Pretax return on assets | 1.7155% | 1,029 |
| Return on Equity (ROE) | 6.5938% | 3,575 |
| Retained earnings to average equity (ytd only) | 4.1786% | 3,639 |
| Net charge-offs to loans | 0.2136% | 3,636 |
| Credit loss provision to net charge-offs | 107.1429% | 3,206 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,308 |
| Efficiency ratio | 61.4263% | 5,921 |
| Assets per employee ($millions) | 3.1009% | 5,999 |
| Cash dividends to net income (ytd only)* | 36.6279% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,695 |
| Loan loss allowance to noncurrent loans | 7,958.3333% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 7,165 |
| Noncurrent loans to loans | 0.0228% | 7,357 |
| Net loans and leases to total assets | 49.0415% | 6,574 |
| Net loans and leases to deposits | 61.9247% | 6,281 |
| Net loans and leases to core deposits | 62.5994% | 6,548 |
| Total domestic deposits to total assets | 79.1955% | 6,028 |
| Equity capital to assets | 19.8797% | 294 |
| Core capital (leverage) ratio | 19.8102% | 262 |
| Tier 1 risk-based capital ratio | 34.6891% | 361 |
| Total risk-based capital ratio | 35.9437% | 359 |
| Memoranda: | ||
| Average total assets | $103,996,000 | 5,032 |
| Average earning assets | $90,751,500 | 5,143 |
| Average equity | $20,868,000 | 3,081 |
| Average total loans | $52,433,000 | 5,561 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1355% | 1,418 |
| Cost of funding earning assets | 1.3525% | 6,132 |
| Net interest margin | 4.7830% | 717 |
| Noninterest income to average assets | 0.8671% | 2,094 |
| Noninterest expense to average assets | 2.9900% | 4,183 |
| Loan and lease loss provision to assets | 0.1248% | 6,391 |
| Net operating income to assets | 1.6071% | 541 |
| Return on assets (ROA) | 1.6104% | 568 |
| Pretax return on assets | 2.0543% | 366 |
| Return on Equity (ROE) | 7.7531% | 2,477 |
| Retained earnings to average equity (ytd only) | 7.1525% | 918 |
| Net charge-offs to loans | 0.2641% | 4,965 |
| Credit loss provision to net charge-offs | 91.6031% | 5,949 |
| Earnings coverage of net charge-offs (x) | 15.9695% | 1,279 |
| Efficiency ratio | 57.8905% | 6,778 |
| Assets per employee ($millions) | 2.9304% | 6,387 |
| Cash dividends to net income (ytd only)* | 7.7469% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 2,465 |
| Loan loss allowance to noncurrent loans | 47,650.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 7,189 |
| Noncurrent loans to loans | 0.0038% | 7,443 |
| Net loans and leases to total assets | 49.9732% | 6,644 |
| Net loans and leases to deposits | 63.5126% | 6,325 |
| Net loans and leases to core deposits | 76.0660% | 6,396 |
| Total domestic deposits to total assets | 78.6824% | 6,071 |
| Equity capital to assets | 20.2578% | 281 |
| Core capital (leverage) ratio | 21.5276% | 221 |
| Tier 1 risk-based capital ratio | 35.1223% | 341 |
| Total risk-based capital ratio | 36.3770% | 337 |
| Memoranda: | ||
| Average total assets | $96,188,200 | 5,196 |
| Average earning assets | $86,431,400 | 5,245 |
| Average equity | $19,979,000 | 3,204 |
| Average total loans | $49,596,200 | 5,690 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1480% | 1,497 |
| Cost of funding earning assets | 1.3888% | 6,276 |
| Net interest margin | 4.7592% | 740 |
| Noninterest income to average assets | 0.8711% | 2,098 |
| Noninterest expense to average assets | 3.0431% | 3,871 |
| Loan and lease loss provision to assets | 0.1269% | 6,079 |
| Net operating income to assets | 1.6463% | 608 |
| Return on assets (ROA) | 1.6463% | 660 |
| Pretax return on assets | 2.0240% | 518 |
| Return on Equity (ROE) | 7.8733% | 2,700 |
| Retained earnings to average equity (ytd only) | 7.0644% | 1,479 |
| Net charge-offs to loans | 0.2043% | 4,768 |
| Credit loss provision to net charge-offs | 120.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | 20.3462% | 1,242 |
| Efficiency ratio | 58.5889% | 6,631 |
| Assets per employee ($millions) | 2.8214% | 6,610 |
| Cash dividends to net income (ytd only)* | 10.2743% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 2,029 |
| Loan loss allowance to noncurrent loans | 48,950.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 7,384 |
| Noncurrent loans to loans | 0.0039% | 7,528 |
| Net loans and leases to total assets | 52.6483% | 6,544 |
| Net loans and leases to deposits | 69.2238% | 6,008 |
| Net loans and leases to core deposits | 84.4664% | 6,007 |
| Total domestic deposits to total assets | 76.0552% | 6,570 |
| Equity capital to assets | 21.6910% | 259 |
| Core capital (leverage) ratio | 21.3140% | 251 |
| Tier 1 risk-based capital ratio | 35.2480% | 377 |
| Total risk-based capital ratio | 36.5029% | 372 |
| Memoranda: | ||
| Average total assets | $94,594,500 | 5,285 |
| Average earning assets | $85,923,000 | 5,304 |
| Average equity | $19,779,500 | 3,277 |
| Average total loans | $48,943,500 | 5,760 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1329% | 1,679 |
| Cost of funding earning assets | 1.4439% | 6,337 |
| Net interest margin | 4.6890% | 813 |
| Noninterest income to average assets | 0.8731% | 2,088 |
| Noninterest expense to average assets | 2.9676% | 4,219 |
| Loan and lease loss provision to assets | 0.1275% | 5,825 |
| Net operating income to assets | 1.6357% | 639 |
| Return on assets (ROA) | 1.6357% | 703 |
| Pretax return on assets | 2.0138% | 545 |
| Return on Equity (ROE) | 7.9232% | 2,805 |
| Retained earnings to average equity (ytd only) | 6.6884% | 1,699 |
| Net charge-offs to loans | 0.2703% | 3,837 |
| Credit loss provision to net charge-offs | 92.3077% | 4,855 |
| Earnings coverage of net charge-offs (x) | 15.5077% | 1,591 |
| Efficiency ratio | 58.0873% | 6,854 |
| Assets per employee ($millions) | 2.8241% | 6,569 |
| Cash dividends to net income (ytd only)* | 15.5844% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 1,749 |
| Loan loss allowance to noncurrent loans | 805.8824% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 7,051 |
| Noncurrent loans to loans | 0.2380% | 6,920 |
| Net loans and leases to total assets | 51.0654% | 6,777 |
| Net loans and leases to deposits | 67.3327% | 6,264 |
| Net loans and leases to core deposits | 80.2727% | 6,387 |
| Total domestic deposits to total assets | 75.8404% | 6,587 |
| Equity capital to assets | 20.5718% | 350 |
| Core capital (leverage) ratio | 20.8754% | 320 |
| Tier 1 risk-based capital ratio | 35.0812% | 413 |
| Total risk-based capital ratio | 36.3358% | 407 |
| Memoranda: | ||
| Average total assets | $94,149,670 | 5,337 |
| Average earning assets | $85,049,670 | 5,378 |
| Average equity | $19,436,670 | 3,330 |
| Average total loans | $48,096,670 | 5,842 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0246% | 2,260 |
| Cost of funding earning assets | 1.5215% | 6,340 |
| Net interest margin | 4.5031% | 1,120 |
| Noninterest income to average assets | 0.8969% | 1,865 |
| Noninterest expense to average assets | 3.0725% | 3,478 |
| Loan and lease loss provision to assets | 0.1287% | 5,308 |
| Net operating income to assets | 1.3603% | 1,236 |
| Return on assets (ROA) | 1.3603% | 1,322 |
| Pretax return on assets | 1.7851% | 1,009 |
| Return on Equity (ROE) | 6.5773% | 3,792 |
| Retained earnings to average equity (ytd only) | 4.0875% | 3,624 |
| Net charge-offs to loans | 0.4496% | 2,325 |
| Credit loss provision to net charge-offs | 56.6038% | 4,576 |
| Earnings coverage of net charge-offs (x) | 8.4151% | 2,193 |
| Efficiency ratio | 61.6179% | 6,124 |
| Assets per employee ($millions) | 2.8633% | 6,490 |
| Cash dividends to net income (ytd only)* | 37.8549% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 1,444 |
| Loan loss allowance to noncurrent loans | 23,525.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 7,385 |
| Noncurrent loans to loans | 0.0085% | 7,547 |
| Net loans and leases to total assets | 49.0491% | 6,944 |
| Net loans and leases to deposits | 62.2420% | 6,716 |
| Net loans and leases to core deposits | 74.2558% | 6,794 |
| Total domestic deposits to total assets | 78.8039% | 5,789 |
| Equity capital to assets | 20.3981% | 396 |
| Core capital (leverage) ratio | 20.5693% | 373 |
| Tier 1 risk-based capital ratio | 35.7144% | 416 |
| Total risk-based capital ratio | 36.9736% | 405 |
| Memoranda: | ||
| Average total assets | $93,214,500 | 5,395 |
| Average earning assets | $84,653,500 | 5,409 |
| Average equity | $19,278,500 | 3,375 |
| Average total loans | $47,149,000 | 5,908 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6147% | 2,416 |
| Cost of funding earning assets | 2.1159% | 5,979 |
| Net interest margin | 4.4988% | 1,426 |
| Noninterest income to average assets | 0.2318% | 6,777 |
| Noninterest expense to average assets | 2.9507% | 4,256 |
| Loan and lease loss provision to assets | 0.0392% | 6,923 |
| Net operating income to assets | 0.8304% | 3,304 |
| Return on assets (ROA) | 0.8304% | 3,143 |
| Pretax return on assets | 1.2778% | 2,385 |
| Return on Equity (ROE) | 4.0451% | 4,805 |
| Retained earnings to average equity (ytd only) | 3.4407% | 3,000 |
| Net charge-offs to loans | 0.1396% | 4,826 |
| Credit loss provision to net charge-offs | 55.3846% | 6,284 |
| Earnings coverage of net charge-offs (x) | 18.6154% | 1,694 |
| Efficiency ratio | 69.1405% | 4,500 |
| Assets per employee ($millions) | 2.7041% | 6,776 |
| Cash dividends to net income (ytd only)* | 14.9410% | 4,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 1,148 |
| Loan loss allowance to noncurrent loans | 121.8710% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 4,506 |
| Noncurrent loans to loans | 1.6826% | 3,243 |
| Net loans and leases to total assets | 50.0838% | 7,026 |
| Net loans and leases to deposits | 64.5576% | 6,751 |
| Net loans and leases to core deposits | 76.6709% | 6,823 |
| Total domestic deposits to total assets | 77.5799% | 5,848 |
| Equity capital to assets | 20.9735% | 405 |
| Core capital (leverage) ratio | 20.9584% | 378 |
| Tier 1 risk-based capital ratio | 35.9426% | 422 |
| Total risk-based capital ratio | 37.2022% | 415 |
| Memoranda: | ||
| Average total assets | $91,878,000 | 5,296 |
| Average earning assets | $82,422,000 | 5,353 |
| Average equity | $18,862,400 | 3,421 |
| Average total loans | $46,556,000 | 5,848 |