Home > Williamsville State Bank & Trust > Performance and Condition Ratios
Williamsville State Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 4,126 |
| Cost of funding earning assets | 0.5433% | 4,152 |
| Net interest margin | 3.3052% | 2,621 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.4289% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6262% | 3,371 |
| Return on assets (ROA) | 0.6262% | 3,352 |
| Pretax return on assets | 0.8359% | 3,124 |
| Return on Equity (ROE) | 7.3000% | 3,210 |
| Retained earnings to average equity (ytd only) | 3.9260% | 2,983 |
| Net charge-offs to loans | 0.0141% | 2,127 |
| Credit loss provision to net charge-offs | 60.0000% | 2,148 |
| Earnings coverage of net charge-offs (x) | 170.4000% | 653 |
| Efficiency ratio | 74.3296% | 1,421 |
| Assets per employee ($millions) | 4.4707% | 3,967 |
| Cash dividends to net income (ytd only)* | 46.2264% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 4,164 |
| Loan loss allowance to noncurrent loans | 32.0863% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 735 |
| Noncurrent loans to loans | 2.0702% | 267 |
| Net loans and leases to total assets | 33.9100% | 4,214 |
| Net loans and leases to deposits | 37.6094% | 4,247 |
| Net loans and leases to core deposits | 38.0644% | 4,314 |
| Total domestic deposits to total assets | 90.1600% | 720 |
| Equity capital to assets | 9.5572% | 2,307 |
| Core capital (leverage) ratio | 13.2669% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0700% | 206 |
| Memoranda: | ||
| Average total assets | $101,567,600 | 3,819 |
| Average earning assets | $94,244,200 | 3,796 |
| Average equity | $8,711,200 | 3,854 |
| Average total loans | $35,403,400 | 4,062 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8050% | 4,108 |
| Cost of funding earning assets | 0.5197% | 4,105 |
| Net interest margin | 3.2853% | 2,722 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.4069% | 2,504 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.6551% | 3,419 |
| Return on assets (ROA) | 0.6551% | 3,409 |
| Pretax return on assets | 0.8778% | 3,151 |
| Return on Equity (ROE) | 7.8500% | 3,221 |
| Retained earnings to average equity (ytd only) | 4.4813% | 3,116 |
| Net charge-offs to loans | 0.0186% | 1,756 |
| Credit loss provision to net charge-offs | -440.0000% | 4,569 |
| Earnings coverage of net charge-offs (x) | 130.4000% | 799 |
| Efficiency ratio | 73.9200% | 1,366 |
| Assets per employee ($millions) | 4.8641% | 3,701 |
| Cash dividends to net income (ytd only)* | 42.9423% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5786% | 4,294 |
| Loan loss allowance to noncurrent loans | 33.0000% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 904 |
| Noncurrent loans to loans | 1.7535% | 379 |
| Net loans and leases to total assets | 33.3000% | 4,256 |
| Net loans and leases to deposits | 36.2100% | 4,291 |
| Net loans and leases to core deposits | 36.6212% | 4,318 |
| Total domestic deposits to total assets | 91.9800% | 452 |
| Equity capital to assets | 7.8025% | 3,179 |
| Core capital (leverage) ratio | 12.8860% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3183% | 240 |
| Memoranda: | ||
| Average total assets | $102,370,750 | 3,825 |
| Average earning assets | $94,925,250 | 3,808 |
| Average equity | $8,539,000 | 3,873 |
| Average total loans | $35,861,250 | 4,073 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 4,088 |
| Cost of funding earning assets | 0.4924% | 3,996 |
| Net interest margin | 3.2531% | 2,859 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.4559% | 2,332 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.5818% | 3,628 |
| Return on assets (ROA) | 0.5818% | 3,633 |
| Pretax return on assets | 0.7848% | 3,427 |
| Return on Equity (ROE) | 6.8300% | 3,515 |
| Retained earnings to average equity (ytd only) | 3.5973% | 3,317 |
| Net charge-offs to loans | 0.0275% | 1,337 |
| Credit loss provision to net charge-offs | -180.0000% | 4,557 |
| Earnings coverage of net charge-offs (x) | 78.6000% | 1,062 |
| Efficiency ratio | 76.1962% | 1,156 |
| Assets per employee ($millions) | 4.6770% | 3,840 |
| Cash dividends to net income (ytd only)* | 47.3154% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6060% | 4,297 |
| Loan loss allowance to noncurrent loans | 36.3167% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 961 |
| Noncurrent loans to loans | 1.6686% | 377 |
| Net loans and leases to total assets | 33.6400% | 4,247 |
| Net loans and leases to deposits | 36.8600% | 4,282 |
| Net loans and leases to core deposits | 37.4491% | 4,303 |
| Total domestic deposits to total assets | 91.2500% | 570 |
| Equity capital to assets | 8.5497% | 2,824 |
| Core capital (leverage) ratio | 12.6601% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5091% | 229 |
| Memoranda: | ||
| Average total assets | $102,445,333 | 3,838 |
| Average earning assets | $95,048,333 | 3,826 |
| Average equity | $8,728,667 | 3,874 |
| Average total loans | $36,409,000 | 4,071 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 3,993 |
| Cost of funding earning assets | 0.4562% | 3,820 |
| Net interest margin | 3.2649% | 2,961 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.6139% | 1,912 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 0.4578% | 3,987 |
| Return on assets (ROA) | 0.4578% | 3,936 |
| Pretax return on assets | 0.6261% | 3,801 |
| Return on Equity (ROE) | 5.3800% | 3,830 |
| Retained earnings to average equity (ytd only) | 2.2543% | 3,660 |
| Net charge-offs to loans | 0.0323% | 1,070 |
| Credit loss provision to net charge-offs | -100.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 1,091 |
| Efficiency ratio | 80.9697% | 766 |
| Assets per employee ($millions) | 4.6258% | 3,942 |
| Cash dividends to net income (ytd only)* | 58.1197% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5996% | 4,358 |
| Loan loss allowance to noncurrent loans | 58.8710% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 1,408 |
| Noncurrent loans to loans | 1.0185% | 717 |
| Net loans and leases to total assets | 35.6800% | 4,202 |
| Net loans and leases to deposits | 39.3301% | 4,244 |
| Net loans and leases to core deposits | 39.7887% | 4,277 |
| Total domestic deposits to total assets | 90.7100% | 905 |
| Equity capital to assets | 9.1375% | 2,417 |
| Core capital (leverage) ratio | 12.7217% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3748% | 237 |
| Memoranda: | ||
| Average total assets | $102,221,500 | 3,891 |
| Average earning assets | $94,703,000 | 3,875 |
| Average equity | $8,694,500 | 3,925 |
| Average total loans | $37,203,500 | 4,114 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9033% | 4,235 |
| Cost of funding earning assets | 0.2281% | 3,528 |
| Net interest margin | 2.6752% | 4,085 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.4141% | 2,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2100% | 4,439 |
| Return on assets (ROA) | 0.2582% | 4,385 |
| Pretax return on assets | 0.3268% | 4,357 |
| Return on Equity (ROE) | 2.7800% | 4,318 |
| Retained earnings to average equity (ytd only) | 1.4939% | 4,104 |
| Net charge-offs to loans | 0.0868% | 800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.5758% | 2,261 |
| Efficiency ratio | 90.0841% | 301 |
| Assets per employee ($millions) | 4.2782% | 4,151 |
| Cash dividends to net income (ytd only)* | 46.1818% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 4,374 |
| Loan loss allowance to noncurrent loans | 28.8799% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 659 |
| Noncurrent loans to loans | 1.9561% | 294 |
| Net loans and leases to total assets | 36.6900% | 4,186 |
| Net loans and leases to deposits | 39.8831% | 4,248 |
| Net loans and leases to core deposits | 40.2075% | 4,275 |
| Total domestic deposits to total assets | 91.9800% | 645 |
| Equity capital to assets | 7.8792% | 3,136 |
| Core capital (leverage) ratio | 12.3809% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7828% | 244 |
| Memoranda: | ||
| Average total assets | $106,500,400 | 3,874 |
| Average earning assets | $99,953,600 | 3,837 |
| Average equity | $9,906,800 | 3,882 |
| Average total loans | $38,025,400 | 4,102 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6684% | 4,318 |
| Cost of funding earning assets | 0.2097% | 3,150 |
| Net interest margin | 2.4586% | 4,255 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.3265% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1063% | 4,540 |
| Return on assets (ROA) | 0.1700% | 4,469 |
| Pretax return on assets | 0.2308% | 4,435 |
| Return on Equity (ROE) | 1.7600% | 4,422 |
| Retained earnings to average equity (ytd only) | 0.8622% | 4,238 |
| Net charge-offs to loans | 0.0841% | 710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 5.0417% | 2,156 |
| Efficiency ratio | 93.9379% | 232 |
| Assets per employee ($millions) | 4.3957% | 4,122 |
| Cash dividends to net income (ytd only)* | 51.0949% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5836% | 4,395 |
| Loan loss allowance to noncurrent loans | 25.3107% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 595 |
| Noncurrent loans to loans | 2.3056% | 245 |
| Net loans and leases to total assets | 36.1700% | 4,220 |
| Net loans and leases to deposits | 39.2367% | 4,264 |
| Net loans and leases to core deposits | 39.5461% | 4,288 |
| Total domestic deposits to total assets | 92.1900% | 820 |
| Equity capital to assets | 7.7149% | 3,081 |
| Core capital (leverage) ratio | 11.8149% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2385% | 268 |
| Memoranda: | ||
| Average total assets | $107,456,500 | 3,879 |
| Average earning assets | $101,083,250 | 3,851 |
| Average equity | $10,361,000 | 3,879 |
| Average total loans | $38,061,250 | 4,126 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3722% | 4,474 |
| Cost of funding earning assets | 0.2098% | 2,782 |
| Net interest margin | 2.1624% | 4,477 |
| Noninterest income to average assets | 0.1646% | 4,187 |
| Noninterest expense to average assets | 2.3236% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0795% | 4,612 |
| Return on assets (ROA) | 0.0407% | 4,527 |
| Pretax return on assets | 0.0018% | 4,538 |
| Return on Equity (ROE) | 0.3963% | 4,523 |
| Retained earnings to average equity (ytd only) | -0.1081% | 4,187 |
| Net charge-offs to loans | 0.1265% | 495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -2.6667% | 2,117 |
| Efficiency ratio | 105.3691% | 140 |
| Assets per employee ($millions) | 4.9600% | 3,712 |
| Cash dividends to net income (ytd only)* | 127.2727% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5930% | 4,469 |
| Loan loss allowance to noncurrent loans | 21.4354% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 503 |
| Noncurrent loans to loans | 2.7664% | 188 |
| Net loans and leases to total assets | 34.4129% | 4,313 |
| Net loans and leases to deposits | 37.6855% | 4,349 |
| Net loans and leases to core deposits | 37.9284% | 4,386 |
| Total domestic deposits to total assets | 91.3159% | 1,098 |
| Equity capital to assets | 8.5668% | 2,711 |
| Core capital (leverage) ratio | 11.6818% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0226% | 250 |
| Memoranda: | ||
| Average total assets | $108,109,667 | 3,911 |
| Average earning assets | $102,014,333 | 3,893 |
| Average equity | $11,101,667 | 3,878 |
| Average total loans | $37,953,667 | 4,177 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1935% | 4,536 |
| Cost of funding earning assets | 0.2201% | 2,526 |
| Net interest margin | 1.9733% | 4,532 |
| Noninterest income to average assets | 0.1710% | 4,141 |
| Noninterest expense to average assets | 2.3084% | 2,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1388% | 4,617 |
| Return on assets (ROA) | 0.0520% | 4,490 |
| Pretax return on assets | -0.0297% | 4,537 |
| Return on Equity (ROE) | 0.4675% | 4,486 |
| Retained earnings to average equity (ytd only) | 0.4675% | 3,924 |
| Net charge-offs to loans | 0.1998% | 309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -3.8421% | 1,804 |
| Efficiency ratio | 113.3212% | 111 |
| Assets per employee ($millions) | 4.9909% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6039% | 4,507 |
| Loan loss allowance to noncurrent loans | 29.3814% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7067% | 802 |
| Noncurrent loans to loans | 2.0553% | 350 |
| Net loans and leases to total assets | 34.1788% | 4,300 |
| Net loans and leases to deposits | 38.0778% | 4,322 |
| Net loans and leases to core deposits | 38.3259% | 4,362 |
| Total domestic deposits to total assets | 89.7604% | 1,687 |
| Equity capital to assets | 10.1258% | 1,809 |
| Core capital (leverage) ratio | 11.8022% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9389% | 228 |
| Memoranda: | ||
| Average total assets | $107,605,000 | 3,940 |
| Average earning assets | $101,757,500 | 3,919 |
| Average equity | $11,978,500 | 3,867 |
| Average total loans | $38,043,000 | 4,188 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2641% | 4,602 |
| Cost of funding earning assets | 0.2507% | 2,924 |
| Net interest margin | 2.0134% | 4,594 |
| Noninterest income to average assets | 0.3206% | 3,490 |
| Noninterest expense to average assets | 2.4913% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1584% | 4,716 |
| Return on assets (ROA) | -0.0881% | 4,711 |
| Pretax return on assets | -0.1675% | 4,722 |
| Return on Equity (ROE) | -0.6999% | 4,713 |
| Retained earnings to average equity (ytd only) | -1.3769% | 4,595 |
| Net charge-offs to loans | -0.0525% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4775% | 92 |
| Assets per employee ($millions) | 4.3921% | 4,194 |
| Cash dividends to net income (ytd only)* | -96.7391% | 4,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6444% | 4,498 |
| Loan loss allowance to noncurrent loans | 33.0656% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 886 |
| Noncurrent loans to loans | 1.9489% | 406 |
| Net loans and leases to total assets | 36.1281% | 4,282 |
| Net loans and leases to deposits | 41.1868% | 4,300 |
| Net loans and leases to core deposits | 41.6249% | 4,352 |
| Total domestic deposits to total assets | 87.7176% | 2,185 |
| Equity capital to assets | 12.1799% | 1,178 |
| Core capital (leverage) ratio | 11.5601% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5344% | 227 |
| Memoranda: | ||
| Average total assets | $104,483,600 | 3,949 |
| Average earning assets | $99,335,000 | 3,915 |
| Average equity | $13,145,400 | 3,814 |
| Average total loans | $39,967,600 | 4,189 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2920% | 4,677 |
| Cost of funding earning assets | 0.2517% | 3,107 |
| Net interest margin | 2.0404% | 4,659 |
| Noninterest income to average assets | 0.3517% | 3,348 |
| Noninterest expense to average assets | 2.4875% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1036% | 4,773 |
| Return on assets (ROA) | -0.1036% | 4,782 |
| Pretax return on assets | -0.1970% | 4,800 |
| Return on Equity (ROE) | -0.8168% | 4,787 |
| Retained earnings to average equity (ytd only) | -1.4924% | 4,684 |
| Net charge-offs to loans | -0.0726% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5985% | 111 |
| Assets per employee ($millions) | 4.0019% | 4,455 |
| Cash dividends to net income (ytd only)* | -82.7160% | 4,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 4,597 |
| Loan loss allowance to noncurrent loans | 35.6835% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 1,181 |
| Noncurrent loans to loans | 1.7645% | 555 |
| Net loans and leases to total assets | 36.2236% | 4,378 |
| Net loans and leases to deposits | 41.2991% | 4,406 |
| Net loans and leases to core deposits | 41.7262% | 4,454 |
| Total domestic deposits to total assets | 87.7104% | 2,001 |
| Equity capital to assets | 12.1618% | 1,326 |
| Core capital (leverage) ratio | 12.1229% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3648% | 243 |
| Memoranda: | ||
| Average total assets | $104,251,750 | 4,005 |
| Average earning assets | $99,065,250 | 3,967 |
| Average equity | $13,222,000 | 3,863 |
| Average total loans | $40,377,000 | 4,238 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3130% | 4,717 |
| Cost of funding earning assets | 0.2575% | 3,216 |
| Net interest margin | 2.0556% | 4,677 |
| Noninterest income to average assets | 0.4680% | 2,766 |
| Noninterest expense to average assets | 2.5674% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0524% | 4,785 |
| Return on assets (ROA) | -0.0524% | 4,795 |
| Pretax return on assets | -0.1457% | 4,820 |
| Return on Equity (ROE) | -0.4076% | 4,795 |
| Retained earnings to average equity (ytd only) | -1.0869% | 4,609 |
| Net charge-offs to loans | -0.0737% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0144% | 120 |
| Assets per employee ($millions) | 4.1927% | 4,332 |
| Cash dividends to net income (ytd only)* | -166.6667% | 4,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 4,650 |
| Loan loss allowance to noncurrent loans | 27.0694% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 916 |
| Noncurrent loans to loans | 2.2476% | 396 |
| Net loans and leases to total assets | 37.7159% | 4,395 |
| Net loans and leases to deposits | 43.1918% | 4,415 |
| Net loans and leases to core deposits | 43.5184% | 4,474 |
| Total domestic deposits to total assets | 87.3218% | 2,162 |
| Equity capital to assets | 12.5751% | 1,100 |
| Core capital (leverage) ratio | 12.4000% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9617% | 229 |
| Memoranda: | ||
| Average total assets | $102,985,333 | 4,036 |
| Average earning assets | $97,880,667 | 3,992 |
| Average equity | $13,249,000 | 3,870 |
| Average total loans | $40,706,667 | 4,264 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3563% | 4,737 |
| Cost of funding earning assets | 0.2641% | 3,339 |
| Net interest margin | 2.0922% | 4,684 |
| Noninterest income to average assets | 0.3684% | 3,254 |
| Noninterest expense to average assets | 2.6609% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1842% | 4,832 |
| Return on assets (ROA) | -0.1842% | 4,836 |
| Pretax return on assets | -0.3057% | 4,857 |
| Return on Equity (ROE) | -1.4153% | 4,843 |
| Retained earnings to average equity (ytd only) | -2.0778% | 4,541 |
| Net charge-offs to loans | -0.1069% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9784% | 96 |
| Assets per employee ($millions) | 3.8909% | 4,539 |
| Cash dividends to net income (ytd only)* | -46.8085% | 4,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5778% | 4,712 |
| Loan loss allowance to noncurrent loans | 30.1911% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 1,227 |
| Noncurrent loans to loans | 1.9137% | 581 |
| Net loans and leases to total assets | 38.8223% | 4,390 |
| Net loans and leases to deposits | 44.4319% | 4,405 |
| Net loans and leases to core deposits | 44.7659% | 4,478 |
| Total domestic deposits to total assets | 87.3749% | 2,147 |
| Equity capital to assets | 12.3899% | 1,120 |
| Core capital (leverage) ratio | 12.6831% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8829% | 236 |
| Memoranda: | ||
| Average total assets | $102,069,000 | 4,047 |
| Average earning assets | $96,931,000 | 4,012 |
| Average equity | $13,283,000 | 3,875 |
| Average total loans | $41,172,500 | 4,277 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7755% | 4,759 |
| Cost of funding earning assets | 0.3121% | 4,072 |
| Net interest margin | 2.4634% | 4,619 |
| Noninterest income to average assets | 0.3705% | 3,264 |
| Noninterest expense to average assets | 2.7190% | 2,181 |
| Loan and lease loss provision to assets | 0.0998% | 3,088 |
| Net operating income to assets | -0.0886% | 4,779 |
| Return on assets (ROA) | 0.0641% | 4,725 |
| Pretax return on assets | 0.0346% | 4,739 |
| Return on Equity (ROE) | 0.4712% | 4,730 |
| Retained earnings to average equity (ytd only) | -0.3964% | 4,577 |
| Net charge-offs to loans | 0.3011% | 578 |
| Credit loss provision to net charge-offs | 83.0508% | 2,969 |
| Earnings coverage of net charge-offs (x) | -0.1525% | 3,341 |
| Efficiency ratio | 100.6785% | 165 |
| Assets per employee ($millions) | 3.8110% | 4,498 |
| Cash dividends to net income (ytd only)* | 184.1270% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5469% | 4,761 |
| Loan loss allowance to noncurrent loans | 25.0000% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9123% | 1,082 |
| Noncurrent loans to loans | 2.1876% | 494 |
| Net loans and leases to total assets | 41.4775% | 4,381 |
| Net loans and leases to deposits | 48.2326% | 4,386 |
| Net loans and leases to core deposits | 48.6223% | 4,472 |
| Total domestic deposits to total assets | 85.9949% | 2,370 |
| Equity capital to assets | 13.6751% | 883 |
| Core capital (leverage) ratio | 12.9298% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0491% | 233 |
| Memoranda: | ||
| Average total assets | $98,234,200 | 4,022 |
| Average earning assets | $92,920,600 | 3,986 |
| Average equity | $13,369,800 | 3,829 |
| Average total loans | $39,185,800 | 4,321 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7630% | 4,847 |
| Cost of funding earning assets | 0.3223% | 4,204 |
| Net interest margin | 2.4406% | 4,696 |
| Noninterest income to average assets | 0.3523% | 3,345 |
| Noninterest expense to average assets | 2.6973% | 2,264 |
| Loan and lease loss provision to assets | 0.1336% | 2,683 |
| Net operating income to assets | -0.0927% | 4,812 |
| Return on assets (ROA) | -0.0626% | 4,814 |
| Pretax return on assets | -0.1333% | 4,824 |
| Return on Equity (ROE) | -0.4603% | 4,815 |
| Retained earnings to average equity (ytd only) | -1.3909% | 4,652 |
| Net charge-offs to loans | 0.3588% | 441 |
| Credit loss provision to net charge-offs | 94.2308% | 2,674 |
| Earnings coverage of net charge-offs (x) | -0.2692% | 3,147 |
| Efficiency ratio | 101.4322% | 160 |
| Assets per employee ($millions) | 3.9130% | 4,392 |
| Cash dividends to net income (ytd only)* | -202.1739% | 5,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5675% | 4,766 |
| Loan loss allowance to noncurrent loans | 24.8447% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 1,182 |
| Noncurrent loans to loans | 2.2840% | 493 |
| Net loans and leases to total assets | 41.3356% | 4,521 |
| Net loans and leases to deposits | 47.9248% | 4,555 |
| Net loans and leases to core deposits | 48.2991% | 4,619 |
| Total domestic deposits to total assets | 86.2510% | 1,958 |
| Equity capital to assets | 13.3077% | 1,064 |
| Core capital (leverage) ratio | 12.8675% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3399% | 252 |
| Memoranda: | ||
| Average total assets | $98,021,500 | 4,015 |
| Average earning assets | $92,651,500 | 3,989 |
| Average equity | $13,324,750 | 3,835 |
| Average total loans | $38,651,250 | 4,363 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8650% | 4,890 |
| Cost of funding earning assets | 0.3305% | 4,361 |
| Net interest margin | 2.5345% | 4,710 |
| Noninterest income to average assets | 0.3079% | 3,615 |
| Noninterest expense to average assets | 2.7588% | 2,189 |
| Loan and lease loss provision to assets | 0.0889% | 3,164 |
| Net operating income to assets | -0.0742% | 4,821 |
| Return on assets (ROA) | -0.0269% | 4,807 |
| Pretax return on assets | -0.0868% | 4,819 |
| Return on Equity (ROE) | -0.1962% | 4,806 |
| Retained earnings to average equity (ytd only) | -1.2374% | 4,510 |
| Net charge-offs to loans | 0.4648% | 340 |
| Credit loss provision to net charge-offs | 49.4253% | 2,626 |
| Earnings coverage of net charge-offs (x) | -0.3218% | 2,946 |
| Efficiency ratio | 102.1423% | 157 |
| Assets per employee ($millions) | 4.0170% | 4,287 |
| Cash dividends to net income (ytd only)* | -530.7692% | 5,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5023% | 4,831 |
| Loan loss allowance to noncurrent loans | 11.8506% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.7057% | 492 |
| Noncurrent loans to loans | 4.2382% | 146 |
| Net loans and leases to total assets | 40.0444% | 4,603 |
| Net loans and leases to deposits | 46.4591% | 4,639 |
| Net loans and leases to core deposits | 46.8253% | 4,695 |
| Total domestic deposits to total assets | 86.1928% | 1,929 |
| Equity capital to assets | 13.4417% | 998 |
| Core capital (leverage) ratio | 13.1861% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9614% | 242 |
| Memoranda: | ||
| Average total assets | $96,782,667 | 4,039 |
| Average earning assets | $91,378,667 | 4,004 |
| Average equity | $13,253,333 | 3,847 |
| Average total loans | $37,437,000 | 4,397 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9966% | 4,958 |
| Cost of funding earning assets | 0.3439% | 4,539 |
| Net interest margin | 2.6527% | 4,714 |
| Noninterest income to average assets | 0.3117% | 3,647 |
| Noninterest expense to average assets | 2.7969% | 2,438 |
| Loan and lease loss provision to assets | 0.1685% | 1,742 |
| Net operating income to assets | -0.0716% | 4,792 |
| Return on assets (ROA) | -0.0716% | 4,776 |
| Pretax return on assets | -0.1516% | 4,791 |
| Return on Equity (ROE) | -0.5179% | 4,777 |
| Retained earnings to average equity (ytd only) | -1.7060% | 4,220 |
| Net charge-offs to loans | -0.1558% | 4,903 |
| Credit loss provision to net charge-offs | -285.7143% | 3,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4012% | 246 |
| Assets per employee ($millions) | 3.5463% | 4,443 |
| Cash dividends to net income (ytd only)* | -229.4118% | 5,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 4,356 |
| Loan loss allowance to noncurrent loans | 21.7234% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4423% | 763 |
| Noncurrent loans to loans | 3.7861% | 226 |
| Net loans and leases to total assets | 37.7817% | 4,734 |
| Net loans and leases to deposits | 43.9221% | 4,764 |
| Net loans and leases to core deposits | 44.2850% | 4,803 |
| Total domestic deposits to total assets | 86.0198% | 1,995 |
| Equity capital to assets | 13.7567% | 1,139 |
| Core capital (leverage) ratio | 13.6973% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8123% | 310 |
| Memoranda: | ||
| Average total assets | $94,961,000 | 4,061 |
| Average earning assets | $89,569,500 | 4,027 |
| Average equity | $13,130,500 | 3,869 |
| Average total loans | $35,946,500 | 4,454 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 4,984 |
| Cost of funding earning assets | 0.3583% | 4,577 |
| Net interest margin | 2.8848% | 4,672 |
| Noninterest income to average assets | 0.2748% | 4,038 |
| Noninterest expense to average assets | 2.9770% | 2,073 |
| Loan and lease loss provision to assets | 0.1343% | 1,583 |
| Net operating income to assets | -0.0401% | 4,986 |
| Return on assets (ROA) | -0.0393% | 5,000 |
| Pretax return on assets | -0.1240% | 5,009 |
| Return on Equity (ROE) | -0.2935% | 5,002 |
| Retained earnings to average equity (ytd only) | -1.9384% | 4,870 |
| Net charge-offs to loans | 0.4937% | 380 |
| Credit loss provision to net charge-offs | 72.2222% | 2,885 |
| Earnings coverage of net charge-offs (x) | 0.0500% | 3,634 |
| Efficiency ratio | 99.6887% | 163 |
| Assets per employee ($millions) | 3.1391% | 4,741 |
| Cash dividends to net income (ytd only)* | -560.5263% | 5,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 4,587 |
| Loan loss allowance to noncurrent loans | 12.0235% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.2300% | 322 |
| Noncurrent loans to loans | 5.7769% | 75 |
| Net loans and leases to total assets | 37.3476% | 4,810 |
| Net loans and leases to deposits | 43.4666% | 4,838 |
| Net loans and leases to core deposits | 43.8306% | 4,878 |
| Total domestic deposits to total assets | 85.9226% | 2,097 |
| Equity capital to assets | 13.8990% | 1,137 |
| Core capital (leverage) ratio | 13.2675% | 1,128 |
| Tier 1 risk-based capital ratio | 32.2785% | 411 |
| Total risk-based capital ratio | 32.8959% | 423 |
| Memoranda: | ||
| Average total assets | $96,809,600 | 4,050 |
| Average earning assets | $90,995,200 | 4,036 |
| Average equity | $12,948,800 | 3,891 |
| Average total loans | $36,461,800 | 4,491 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2732% | 5,076 |
| Cost of funding earning assets | 0.3551% | 4,638 |
| Net interest margin | 2.9181% | 4,740 |
| Noninterest income to average assets | 0.2654% | 4,152 |
| Noninterest expense to average assets | 2.7577% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2312% | 4,925 |
| Return on assets (ROA) | 0.2312% | 4,939 |
| Pretax return on assets | 0.2503% | 4,951 |
| Return on Equity (ROE) | 1.7449% | 4,929 |
| Retained earnings to average equity (ytd only) | 0.0103% | 4,755 |
| Net charge-offs to loans | 0.3051% | 572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.1785% | 3,214 |
| Efficiency ratio | 91.6780% | 279 |
| Assets per employee ($millions) | 3.1675% | 4,779 |
| Cash dividends to net income (ytd only)* | 99.4053% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5822% | 4,854 |
| Loan loss allowance to noncurrent loans | 17.7109% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.2190% | 1,034 |
| Noncurrent loans to loans | 3.2873% | 264 |
| Net loans and leases to total assets | 36.8668% | 4,909 |
| Net loans and leases to deposits | 42.7807% | 4,942 |
| Net loans and leases to core deposits | 43.4008% | 4,973 |
| Total domestic deposits to total assets | 86.1763% | 1,914 |
| Equity capital to assets | 13.5884% | 1,323 |
| Core capital (leverage) ratio | 13.3785% | 1,182 |
| Tier 1 risk-based capital ratio | 30.6069% | 465 |
| Total risk-based capital ratio | 31.1019% | 482 |
| Memoranda: | ||
| Average total assets | $97,469,250 | 4,080 |
| Average earning assets | $91,609,000 | 4,065 |
| Average equity | $12,913,750 | 3,934 |
| Average total loans | $36,704,000 | 4,543 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3832% | 5,091 |
| Cost of funding earning assets | 0.3489% | 4,681 |
| Net interest margin | 3.0343% | 4,630 |
| Noninterest income to average assets | 0.2900% | 4,003 |
| Noninterest expense to average assets | 2.8284% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2695% | 4,914 |
| Return on assets (ROA) | 0.2695% | 4,927 |
| Pretax return on assets | 0.3065% | 4,930 |
| Return on Equity (ROE) | 2.0516% | 4,930 |
| Retained earnings to average equity (ytd only) | 0.1253% | 4,654 |
| Net charge-offs to loans | 0.0326% | 2,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 24.8333% | 1,618 |
| Efficiency ratio | 90.2231% | 343 |
| Assets per employee ($millions) | 3.0246% | 4,891 |
| Cash dividends to net income (ytd only)* | 93.8931% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,488 |
| Loan loss allowance to noncurrent loans | 33.9600% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 1,649 |
| Noncurrent loans to loans | 2.3147% | 560 |
| Net loans and leases to total assets | 36.5447% | 4,957 |
| Net loans and leases to deposits | 42.2415% | 4,991 |
| Net loans and leases to core deposits | 42.8389% | 5,029 |
| Total domestic deposits to total assets | 86.5136% | 1,813 |
| Equity capital to assets | 13.2639% | 1,456 |
| Core capital (leverage) ratio | 13.9048% | 997 |
| Tier 1 risk-based capital ratio | 30.5241% | 467 |
| Total risk-based capital ratio | 31.1968% | 476 |
| Memoranda: | ||
| Average total assets | $97,227,670 | 4,112 |
| Average earning assets | $91,156,330 | 4,096 |
| Average equity | $12,770,670 | 3,959 |
| Average total loans | $36,801,000 | 4,576 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 5,038 |
| Cost of funding earning assets | 0.3486% | 4,684 |
| Net interest margin | 3.1644% | 4,469 |
| Noninterest income to average assets | 0.2877% | 3,950 |
| Noninterest expense to average assets | 2.7935% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3669% | 4,802 |
| Return on assets (ROA) | 0.3669% | 4,811 |
| Pretax return on assets | 0.4461% | 4,780 |
| Return on Equity (ROE) | 2.8078% | 4,832 |
| Retained earnings to average equity (ytd only) | 0.4148% | 4,453 |
| Net charge-offs to loans | 0.0652% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,647 |
| Efficiency ratio | 86.2291% | 568 |
| Assets per employee ($millions) | 3.1818% | 4,845 |
| Cash dividends to net income (ytd only)* | 85.2273% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7950% | 4,538 |
| Loan loss allowance to noncurrent loans | 31.8681% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9533% | 1,475 |
| Noncurrent loans to loans | 2.4948% | 524 |
| Net loans and leases to total assets | 37.9090% | 4,962 |
| Net loans and leases to deposits | 43.8921% | 4,987 |
| Net loans and leases to core deposits | 44.5405% | 5,028 |
| Total domestic deposits to total assets | 86.3684% | 2,120 |
| Equity capital to assets | 13.2995% | 1,295 |
| Core capital (leverage) ratio | 13.8078% | 1,002 |
| Tier 1 risk-based capital ratio | 32.6125% | 396 |
| Total risk-based capital ratio | 33.3333% | 405 |
| Memoranda: | ||
| Average total assets | $95,935,500 | 4,172 |
| Average earning assets | $89,495,500 | 4,158 |
| Average equity | $12,536,500 | 3,999 |
| Average total loans | $36,819,000 | 4,623 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2911% | 5,090 |
| Cost of funding earning assets | 0.3234% | 4,445 |
| Net interest margin | 2.9677% | 4,834 |
| Noninterest income to average assets | 0.3536% | 3,736 |
| Noninterest expense to average assets | 2.7528% | 2,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3090% | 4,993 |
| Return on assets (ROA) | 0.3090% | 4,988 |
| Pretax return on assets | 0.3617% | 4,976 |
| Return on Equity (ROE) | 2.4380% | 4,985 |
| Retained earnings to average equity (ytd only) | -1.7746% | 5,116 |
| Net charge-offs to loans | 0.0131% | 3,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 71.4000% | 926 |
| Efficiency ratio | 88.3865% | 413 |
| Assets per employee ($millions) | 3.2139% | 4,820 |
| Cash dividends to net income (ytd only)* | 172.7869% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 4,548 |
| Loan loss allowance to noncurrent loans | 28.9063% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 1,283 |
| Noncurrent loans to loans | 2.7555% | 403 |
| Net loans and leases to total assets | 38.2364% | 5,004 |
| Net loans and leases to deposits | 43.9949% | 5,029 |
| Net loans and leases to core deposits | 44.6320% | 5,070 |
| Total domestic deposits to total assets | 86.9109% | 1,815 |
| Equity capital to assets | 12.8381% | 1,421 |
| Core capital (leverage) ratio | 13.3595% | 1,125 |
| Tier 1 risk-based capital ratio | 31.5946% | 406 |
| Total risk-based capital ratio | 32.3081% | 419 |
| Memoranda: | ||
| Average total assets | $98,701,200 | 4,117 |
| Average earning assets | $91,823,000 | 4,111 |
| Average equity | $12,510,200 | 3,957 |
| Average total loans | $38,023,800 | 4,610 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2227% | 5,183 |
| Cost of funding earning assets | 0.3179% | 4,388 |
| Net interest margin | 2.9047% | 4,968 |
| Noninterest income to average assets | 0.3371% | 3,905 |
| Noninterest expense to average assets | 2.7251% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2820% | 5,112 |
| Return on assets (ROA) | 0.2820% | 5,105 |
| Pretax return on assets | 0.3116% | 5,125 |
| Return on Equity (ROE) | 2.2322% | 5,107 |
| Retained earnings to average equity (ytd only) | 0.6165% | 4,928 |
| Net charge-offs to loans | 0.0105% | 3,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 77.3325% | 895 |
| Efficiency ratio | 89.7391% | 335 |
| Assets per employee ($millions) | 2.9390% | 5,080 |
| Cash dividends to net income (ytd only)* | 72.3812% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 4,723 |
| Loan loss allowance to noncurrent loans | 27.2395% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0948% | 1,317 |
| Noncurrent loans to loans | 2.8069% | 421 |
| Net loans and leases to total assets | 38.7053% | 5,064 |
| Net loans and leases to deposits | 44.1876% | 5,110 |
| Net loans and leases to core deposits | 44.7982% | 5,143 |
| Total domestic deposits to total assets | 87.5929% | 1,446 |
| Equity capital to assets | 12.2299% | 1,755 |
| Core capital (leverage) ratio | 13.5888% | 1,068 |
| Tier 1 risk-based capital ratio | 30.9063% | 438 |
| Total risk-based capital ratio | 31.5943% | 454 |
| Memoranda: | ||
| Average total assets | $99,272,500 | 4,152 |
| Average earning assets | $92,261,250 | 4,138 |
| Average equity | $12,543,250 | 3,980 |
| Average total loans | $38,239,250 | 4,654 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 5,224 |
| Cost of funding earning assets | 0.3109% | 4,342 |
| Net interest margin | 2.8918% | 5,022 |
| Noninterest income to average assets | 0.3372% | 3,929 |
| Noninterest expense to average assets | 2.7015% | 3,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2786% | 5,147 |
| Return on assets (ROA) | 0.2786% | 5,141 |
| Pretax return on assets | 0.3210% | 5,140 |
| Return on Equity (ROE) | 2.1817% | 5,156 |
| Retained earnings to average equity (ytd only) | 0.4901% | 4,865 |
| Net charge-offs to loans | 0.0158% | 2,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 1,086 |
| Efficiency ratio | 89.3788% | 392 |
| Assets per employee ($millions) | 3.1551% | 4,977 |
| Cash dividends to net income (ytd only)* | 77.5362% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 4,781 |
| Loan loss allowance to noncurrent loans | 24.2671% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2163% | 1,181 |
| Noncurrent loans to loans | 3.1745% | 336 |
| Net loans and leases to total assets | 38.0193% | 5,121 |
| Net loans and leases to deposits | 43.4362% | 5,158 |
| Net loans and leases to core deposits | 44.0291% | 5,194 |
| Total domestic deposits to total assets | 87.5290% | 1,632 |
| Equity capital to assets | 12.2937% | 1,665 |
| Core capital (leverage) ratio | 13.6834% | 999 |
| Tier 1 risk-based capital ratio | 30.9297% | 445 |
| Total risk-based capital ratio | 31.6195% | 457 |
| Memoranda: | ||
| Average total assets | $99,054,330 | 4,190 |
| Average earning assets | $91,984,000 | 4,184 |
| Average equity | $12,650,670 | 3,984 |
| Average total loans | $37,994,000 | 4,705 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1798% | 5,252 |
| Cost of funding earning assets | 0.3096% | 4,270 |
| Net interest margin | 2.8702% | 5,073 |
| Noninterest income to average assets | 0.3588% | 3,742 |
| Noninterest expense to average assets | 2.7645% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2202% | 5,219 |
| Return on assets (ROA) | 0.2202% | 5,220 |
| Pretax return on assets | 0.2406% | 5,224 |
| Return on Equity (ROE) | 1.6915% | 5,222 |
| Retained earnings to average equity (ytd only) | -0.3446% | 4,840 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9946% | 365 |
| Assets per employee ($millions) | 2.8618% | 5,244 |
| Cash dividends to net income (ytd only)* | 120.3704% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 4,764 |
| Loan loss allowance to noncurrent loans | 27.1906% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 1,355 |
| Noncurrent loans to loans | 2.9810% | 404 |
| Net loans and leases to total assets | 37.8561% | 5,142 |
| Net loans and leases to deposits | 43.5483% | 5,172 |
| Net loans and leases to core deposits | 44.1681% | 5,206 |
| Total domestic deposits to total assets | 86.9291% | 2,155 |
| Equity capital to assets | 12.8212% | 1,330 |
| Core capital (leverage) ratio | 13.7264% | 938 |
| Tier 1 risk-based capital ratio | 32.1234% | 401 |
| Total risk-based capital ratio | 32.8494% | 410 |
| Memoranda: | ||
| Average total assets | $98,100,500 | 4,248 |
| Average earning assets | $90,447,000 | 4,260 |
| Average equity | $12,770,000 | 3,998 |
| Average total loans | $37,649,500 | 4,760 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0738% | 5,315 |
| Cost of funding earning assets | 0.3167% | 3,987 |
| Net interest margin | 2.7571% | 5,220 |
| Noninterest income to average assets | 0.3551% | 3,926 |
| Noninterest expense to average assets | 2.7135% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1573% | 5,183 |
| Return on assets (ROA) | 0.1563% | 5,188 |
| Pretax return on assets | 0.1553% | 5,347 |
| Return on Equity (ROE) | 1.2068% | 5,205 |
| Retained earnings to average equity (ytd only) | 0.0611% | 4,979 |
| Net charge-offs to loans | 0.1108% | 1,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 3.6744% | 3,573 |
| Efficiency ratio | 94.5536% | 278 |
| Assets per employee ($millions) | 2.9965% | 5,200 |
| Cash dividends to net income (ytd only)* | 94.9367% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 4,858 |
| Loan loss allowance to noncurrent loans | 41.9805% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7251% | 2,156 |
| Noncurrent loans to loans | 1.8787% | 839 |
| Net loans and leases to total assets | 38.2907% | 5,207 |
| Net loans and leases to deposits | 44.2051% | 5,242 |
| Net loans and leases to core deposits | 44.8247% | 5,268 |
| Total domestic deposits to total assets | 86.6206% | 2,182 |
| Equity capital to assets | 13.1944% | 1,166 |
| Core capital (leverage) ratio | 13.1757% | 1,082 |
| Tier 1 risk-based capital ratio | 33.0616% | 372 |
| Total risk-based capital ratio | 33.8096% | 376 |
| Memoranda: | ||
| Average total assets | $101,086,800 | 4,218 |
| Average earning assets | $92,198,400 | 4,237 |
| Average equity | $13,093,000 | 3,969 |
| Average total loans | $38,824,000 | 4,766 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0298% | 5,389 |
| Cost of funding earning assets | 0.3145% | 3,992 |
| Net interest margin | 2.7153% | 5,308 |
| Noninterest income to average assets | 0.3489% | 4,039 |
| Noninterest expense to average assets | 2.6879% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1496% | 5,399 |
| Return on assets (ROA) | 0.1482% | 5,409 |
| Pretax return on assets | 0.1404% | 5,434 |
| Return on Equity (ROE) | 1.1497% | 5,413 |
| Retained earnings to average equity (ytd only) | -0.0101% | 5,208 |
| Net charge-offs to loans | 0.0342% | 2,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.8027% | 2,556 |
| Efficiency ratio | 94.9930% | 268 |
| Assets per employee ($millions) | 2.8393% | 5,368 |
| Cash dividends to net income (ytd only)* | 100.8894% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 4,681 |
| Loan loss allowance to noncurrent loans | 34.6114% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 1,807 |
| Noncurrent loans to loans | 2.5220% | 603 |
| Net loans and leases to total assets | 37.1077% | 5,302 |
| Net loans and leases to deposits | 42.7207% | 5,348 |
| Net loans and leases to core deposits | 43.5501% | 5,374 |
| Total domestic deposits to total assets | 86.8612% | 1,925 |
| Equity capital to assets | 12.9500% | 1,412 |
| Core capital (leverage) ratio | 13.1649% | 1,144 |
| Tier 1 risk-based capital ratio | 32.4015% | 401 |
| Total risk-based capital ratio | 33.2155% | 412 |
| Memoranda: | ||
| Average total assets | $101,637,750 | 4,251 |
| Average earning assets | $92,853,500 | 4,259 |
| Average equity | $13,104,500 | 4,010 |
| Average total loans | $38,989,000 | 4,808 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0428% | 5,403 |
| Cost of funding earning assets | 0.3131% | 3,945 |
| Net interest margin | 2.7296% | 5,333 |
| Noninterest income to average assets | 0.3568% | 4,007 |
| Noninterest expense to average assets | 2.6753% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1676% | 5,436 |
| Return on assets (ROA) | 0.1676% | 5,439 |
| Pretax return on assets | 0.1735% | 5,447 |
| Return on Equity (ROE) | 1.3017% | 5,440 |
| Retained earnings to average equity (ytd only) | 0.0613% | 5,057 |
| Net charge-offs to loans | 0.0510% | 2,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.8000% | 2,482 |
| Efficiency ratio | 93.9100% | 310 |
| Assets per employee ($millions) | 2.9187% | 5,334 |
| Cash dividends to net income (ytd only)* | 95.2941% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 4,827 |
| Loan loss allowance to noncurrent loans | 33.3333% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9809% | 1,788 |
| Noncurrent loans to loans | 2.5373% | 583 |
| Net loans and leases to total assets | 38.3317% | 5,293 |
| Net loans and leases to deposits | 44.1549% | 5,333 |
| Net loans and leases to core deposits | 44.7503% | 5,378 |
| Total domestic deposits to total assets | 86.8119% | 2,037 |
| Equity capital to assets | 13.0363% | 1,362 |
| Core capital (leverage) ratio | 13.2369% | 1,089 |
| Tier 1 risk-based capital ratio | 32.0691% | 400 |
| Total risk-based capital ratio | 32.8744% | 407 |
| Memoranda: | ||
| Average total assets | $101,445,000 | 4,278 |
| Average earning assets | $92,613,330 | 4,300 |
| Average equity | $13,060,330 | 4,026 |
| Average total loans | $39,230,670 | 4,836 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0963% | 5,370 |
| Cost of funding earning assets | 0.3170% | 3,883 |
| Net interest margin | 2.7793% | 5,285 |
| Noninterest income to average assets | 0.3403% | 4,125 |
| Noninterest expense to average assets | 2.6629% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2018% | 5,392 |
| Return on assets (ROA) | 0.2018% | 5,406 |
| Pretax return on assets | 0.2097% | 5,426 |
| Return on Equity (ROE) | 1.5775% | 5,407 |
| Retained earnings to average equity (ytd only) | 0.0928% | 4,891 |
| Net charge-offs to loans | 0.1023% | 1,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.3000% | 2,307 |
| Efficiency ratio | 92.6997% | 421 |
| Assets per employee ($millions) | 3.0813% | 5,289 |
| Cash dividends to net income (ytd only)* | 94.1176% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 4,938 |
| Loan loss allowance to noncurrent loans | 36.6630% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 2,070 |
| Noncurrent loans to loans | 2.3065% | 713 |
| Net loans and leases to total assets | 38.5152% | 5,303 |
| Net loans and leases to deposits | 44.2510% | 5,359 |
| Net loans and leases to core deposits | 44.8474% | 5,393 |
| Total domestic deposits to total assets | 87.0380% | 2,199 |
| Equity capital to assets | 12.7328% | 1,386 |
| Core capital (leverage) ratio | 13.2391% | 1,059 |
| Tier 1 risk-based capital ratio | 32.1575% | 408 |
| Total risk-based capital ratio | 32.9650% | 418 |
| Memoranda: | ||
| Average total assets | $101,091,000 | 4,328 |
| Average earning assets | $92,110,000 | 4,348 |
| Average equity | $12,932,000 | 4,072 |
| Average total loans | $39,100,500 | 4,882 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0553% | 5,451 |
| Cost of funding earning assets | 0.3262% | 3,786 |
| Net interest margin | 2.7291% | 5,385 |
| Noninterest income to average assets | 0.3959% | 3,921 |
| Noninterest expense to average assets | 2.8756% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0594% | 5,604 |
| Return on assets (ROA) | 0.0594% | 5,629 |
| Pretax return on assets | 0.0067% | 5,652 |
| Return on Equity (ROE) | 0.4599% | 5,631 |
| Retained earnings to average equity (ytd only) | -1.1941% | 5,469 |
| Net charge-offs to loans | 0.0762% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.2258% | 4,123 |
| Efficiency ratio | 99.7672% | 228 |
| Assets per employee ($millions) | 3.1406% | 5,229 |
| Cash dividends to net income (ytd only)* | 359.6774% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 4,817 |
| Loan loss allowance to noncurrent loans | 109.9042% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 4,029 |
| Noncurrent loans to loans | 0.8087% | 2,499 |
| Net loans and leases to total assets | 38.1692% | 5,396 |
| Net loans and leases to deposits | 43.8992% | 5,437 |
| Net loans and leases to core deposits | 44.7791% | 5,470 |
| Total domestic deposits to total assets | 86.9473% | 2,178 |
| Equity capital to assets | 12.8527% | 1,323 |
| Core capital (leverage) ratio | 13.0794% | 1,108 |
| Tier 1 risk-based capital ratio | 32.8792% | 377 |
| Total risk-based capital ratio | 33.7298% | 387 |
| Memoranda: | ||
| Average total assets | $104,326,600 | 4,278 |
| Average earning assets | $95,048,000 | 4,290 |
| Average equity | $13,482,600 | 4,030 |
| Average total loans | $40,656,200 | 4,850 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1226% | 5,449 |
| Cost of funding earning assets | 0.3274% | 3,803 |
| Net interest margin | 2.7952% | 5,365 |
| Noninterest income to average assets | 0.4040% | 3,896 |
| Noninterest expense to average assets | 2.8494% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1190% | 5,601 |
| Return on assets (ROA) | 0.1190% | 5,654 |
| Pretax return on assets | 0.1064% | 5,674 |
| Return on Equity (ROE) | 0.9199% | 5,652 |
| Retained earnings to average equity (ytd only) | -0.9493% | 5,486 |
| Net charge-offs to loans | 0.1005% | 1,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.7099% | 3,534 |
| Efficiency ratio | 96.4010% | 304 |
| Assets per employee ($millions) | 3.0417% | 5,353 |
| Cash dividends to net income (ytd only)* | 203.1916% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 4,957 |
| Loan loss allowance to noncurrent loans | 150.2183% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 4,551 |
| Noncurrent loans to loans | 0.5827% | 3,261 |
| Net loans and leases to total assets | 37.6714% | 5,481 |
| Net loans and leases to deposits | 43.6295% | 5,525 |
| Net loans and leases to core deposits | 44.4824% | 5,565 |
| Total domestic deposits to total assets | 86.3438% | 2,195 |
| Equity capital to assets | 13.2936% | 1,349 |
| Core capital (leverage) ratio | 12.9465% | 1,208 |
| Tier 1 risk-based capital ratio | 33.2705% | 374 |
| Total risk-based capital ratio | 34.1239% | 380 |
| Memoranda: | ||
| Average total assets | $105,283,250 | 4,292 |
| Average earning assets | $96,114,250 | 4,304 |
| Average equity | $13,624,000 | 4,036 |
| Average total loans | $41,144,250 | 4,887 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0924% | 5,556 |
| Cost of funding earning assets | 0.3291% | 3,803 |
| Net interest margin | 2.7633% | 5,492 |
| Noninterest income to average assets | 0.3966% | 3,895 |
| Noninterest expense to average assets | 2.8346% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1039% | 5,661 |
| Return on assets (ROA) | 0.1039% | 5,709 |
| Pretax return on assets | 0.0831% | 5,738 |
| Return on Equity (ROE) | 0.8099% | 5,710 |
| Retained earnings to average equity (ytd only) | -1.5903% | 5,502 |
| Net charge-offs to loans | 0.0431% | 2,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.8889% | 2,930 |
| Efficiency ratio | 97.1521% | 308 |
| Assets per employee ($millions) | 2.6356% | 5,718 |
| Cash dividends to net income (ytd only)* | 296.3636% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 4,941 |
| Loan loss allowance to noncurrent loans | 147.5806% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 4,554 |
| Noncurrent loans to loans | 0.6136% | 3,227 |
| Net loans and leases to total assets | 37.9911% | 5,514 |
| Net loans and leases to deposits | 43.9257% | 5,567 |
| Net loans and leases to core deposits | 44.9199% | 5,596 |
| Total domestic deposits to total assets | 86.4895% | 2,177 |
| Equity capital to assets | 13.1405% | 1,420 |
| Core capital (leverage) ratio | 12.9189% | 1,186 |
| Tier 1 risk-based capital ratio | 32.0252% | 416 |
| Total risk-based capital ratio | 32.9000% | 423 |
| Memoranda: | ||
| Average total assets | $105,905,000 | 4,312 |
| Average earning assets | $96,622,670 | 4,335 |
| Average equity | $13,582,670 | 4,062 |
| Average total loans | $41,758,000 | 4,908 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1434% | 5,556 |
| Cost of funding earning assets | 0.3355% | 3,775 |
| Net interest margin | 2.8080% | 5,460 |
| Noninterest income to average assets | 0.3957% | 3,860 |
| Noninterest expense to average assets | 2.6906% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2374% | 5,456 |
| Return on assets (ROA) | 0.2374% | 5,520 |
| Pretax return on assets | 0.2600% | 5,567 |
| Return on Equity (ROE) | 1.8740% | 5,526 |
| Retained earnings to average equity (ytd only) | -2.1714% | 5,399 |
| Net charge-offs to loans | -0.0094% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1877% | 596 |
| Assets per employee ($millions) | 2.6836% | 5,738 |
| Cash dividends to net income (ytd only)* | 215.8730% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 5,051 |
| Loan loss allowance to noncurrent loans | 172.4771% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 4,721 |
| Noncurrent loans to loans | 0.5228% | 3,616 |
| Net loans and leases to total assets | 39.4837% | 5,479 |
| Net loans and leases to deposits | 45.4644% | 5,538 |
| Net loans and leases to core deposits | 46.4941% | 5,568 |
| Total domestic deposits to total assets | 86.8451% | 2,276 |
| Equity capital to assets | 12.9886% | 1,416 |
| Core capital (leverage) ratio | 12.7033% | 1,267 |
| Tier 1 risk-based capital ratio | 32.5926% | 409 |
| Total risk-based capital ratio | 33.5048% | 411 |
| Memoranda: | ||
| Average total assets | $106,146,500 | 4,344 |
| Average earning assets | $96,582,500 | 4,369 |
| Average equity | $13,447,500 | 4,095 |
| Average total loans | $42,428,500 | 4,921 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1531% | 5,575 |
| Cost of funding earning assets | 0.3508% | 3,695 |
| Net interest margin | 2.8023% | 5,506 |
| Noninterest income to average assets | 0.4243% | 3,860 |
| Noninterest expense to average assets | 2.6819% | 3,643 |
| Loan and lease loss provision to assets | 0.0227% | 3,929 |
| Net operating income to assets | 0.2914% | 5,383 |
| Return on assets (ROA) | 0.3237% | 5,372 |
| Pretax return on assets | 0.3636% | 5,396 |
| Return on Equity (ROE) | 2.6865% | 5,400 |
| Retained earnings to average equity (ytd only) | 1.8813% | 4,656 |
| Net charge-offs to loans | 0.1767% | 1,622 |
| Credit loss provision to net charge-offs | 30.8642% | 3,645 |
| Earnings coverage of net charge-offs (x) | 4.7654% | 3,492 |
| Efficiency ratio | 88.4569% | 802 |
| Assets per employee ($millions) | 2.8324% | 5,671 |
| Cash dividends to net income (ytd only)* | 29.9720% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 5,200 |
| Loan loss allowance to noncurrent loans | 255.1020% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 5,047 |
| Noncurrent loans to loans | 0.3406% | 4,242 |
| Net loans and leases to total assets | 39.7484% | 5,530 |
| Net loans and leases to deposits | 45.4427% | 5,594 |
| Net loans and leases to core deposits | 46.4330% | 5,633 |
| Total domestic deposits to total assets | 87.4693% | 1,896 |
| Equity capital to assets | 12.3578% | 1,698 |
| Core capital (leverage) ratio | 12.1846% | 1,511 |
| Tier 1 risk-based capital ratio | 31.4703% | 447 |
| Total risk-based capital ratio | 32.3472% | 458 |
| Memoranda: | ||
| Average total assets | $110,296,200 | 4,253 |
| Average earning assets | $102,629,200 | 4,220 |
| Average equity | $13,288,600 | 4,077 |
| Average total loans | $45,829,600 | 4,801 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1493% | 5,644 |
| Cost of funding earning assets | 0.3569% | 3,676 |
| Net interest margin | 2.7923% | 5,594 |
| Noninterest income to average assets | 0.4109% | 4,002 |
| Noninterest expense to average assets | 2.6519% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2896% | 5,483 |
| Return on assets (ROA) | 0.3280% | 5,455 |
| Pretax return on assets | 0.4109% | 5,447 |
| Return on Equity (ROE) | 2.7398% | 5,471 |
| Retained earnings to average equity (ytd only) | 1.9168% | 4,926 |
| Net charge-offs to loans | 0.0918% | 2,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 9.4366% | 2,699 |
| Efficiency ratio | 87.9633% | 842 |
| Assets per employee ($millions) | 2.8459% | 5,710 |
| Cash dividends to net income (ytd only)* | 30.0365% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 5,214 |
| Loan loss allowance to noncurrent loans | 132.5581% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 4,395 |
| Noncurrent loans to loans | 0.6766% | 3,295 |
| Net loans and leases to total assets | 39.7234% | 5,606 |
| Net loans and leases to deposits | 45.2603% | 5,678 |
| Net loans and leases to core deposits | 46.0628% | 5,730 |
| Total domestic deposits to total assets | 87.7665% | 1,674 |
| Equity capital to assets | 12.0696% | 2,053 |
| Core capital (leverage) ratio | 12.0757% | 1,638 |
| Tier 1 risk-based capital ratio | 29.2036% | 560 |
| Total risk-based capital ratio | 30.0737% | 572 |
| Memoranda: | ||
| Average total assets | $110,962,250 | 4,287 |
| Average earning assets | $103,470,750 | 4,251 |
| Average equity | $13,285,500 | 4,124 |
| Average total loans | $46,497,750 | 4,827 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1573% | 5,674 |
| Cost of funding earning assets | 0.3686% | 3,619 |
| Net interest margin | 2.7887% | 5,636 |
| Noninterest income to average assets | 0.4597% | 3,635 |
| Noninterest expense to average assets | 2.6444% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3277% | 5,359 |
| Return on assets (ROA) | 0.3839% | 5,301 |
| Pretax return on assets | 0.4921% | 5,248 |
| Return on Equity (ROE) | 3.2154% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.3399% | 4,563 |
| Net charge-offs to loans | 0.0721% | 2,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.7059% | 2,109 |
| Efficiency ratio | 86.2941% | 1,038 |
| Assets per employee ($millions) | 2.9584% | 5,644 |
| Cash dividends to net income (ytd only)* | 27.2300% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 5,292 |
| Loan loss allowance to noncurrent loans | 155.0562% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 4,090 |
| Noncurrent loans to loans | 0.5824% | 3,709 |
| Net loans and leases to total assets | 40.4152% | 5,604 |
| Net loans and leases to deposits | 45.8360% | 5,686 |
| Net loans and leases to core deposits | 46.7664% | 5,732 |
| Total domestic deposits to total assets | 88.1736% | 1,565 |
| Equity capital to assets | 11.5996% | 2,331 |
| Core capital (leverage) ratio | 12.1015% | 1,596 |
| Tier 1 risk-based capital ratio | 28.4961% | 616 |
| Total risk-based capital ratio | 29.3802% | 626 |
| Memoranda: | ||
| Average total assets | $110,953,000 | 4,323 |
| Average earning assets | $103,633,000 | 4,283 |
| Average equity | $13,248,670 | 4,158 |
| Average total loans | $47,167,670 | 4,842 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 5,633 |
| Cost of funding earning assets | 0.3902% | 3,411 |
| Net interest margin | 2.8173% | 5,609 |
| Noninterest income to average assets | 0.5008% | 3,282 |
| Noninterest expense to average assets | 2.5984% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4115% | 5,031 |
| Return on assets (ROA) | 0.5262% | 4,680 |
| Pretax return on assets | 0.6678% | 4,703 |
| Return on Equity (ROE) | 4.3436% | 4,826 |
| Retained earnings to average equity (ytd only) | 2.8458% | 4,261 |
| Net charge-offs to loans | 0.0920% | 1,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.0909% | 1,747 |
| Efficiency ratio | 83.2558% | 1,458 |
| Assets per employee ($millions) | 2.9253% | 5,760 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 5,445 |
| Loan loss allowance to noncurrent loans | 49.0082% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0588% | 2,498 |
| Noncurrent loans to loans | 1.8360% | 1,466 |
| Net loans and leases to total assets | 41.6135% | 5,511 |
| Net loans and leases to deposits | 47.4875% | 5,589 |
| Net loans and leases to core deposits | 48.4656% | 5,652 |
| Total domestic deposits to total assets | 87.6306% | 2,028 |
| Equity capital to assets | 12.1706% | 1,912 |
| Core capital (leverage) ratio | 12.1290% | 1,563 |
| Tier 1 risk-based capital ratio | 28.7492% | 605 |
| Total risk-based capital ratio | 29.6537% | 618 |
| Memoranda: | ||
| Average total assets | $110,220,500 | 4,362 |
| Average earning assets | $102,510,500 | 4,333 |
| Average equity | $13,353,000 | 4,180 |
| Average total loans | $47,827,500 | 4,856 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3382% | 5,642 |
| Cost of funding earning assets | 0.4963% | 2,707 |
| Net interest margin | 2.8419% | 5,744 |
| Noninterest income to average assets | 0.4468% | 3,855 |
| Noninterest expense to average assets | 2.7527% | 3,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3382% | 5,412 |
| Return on assets (ROA) | 0.3186% | 5,544 |
| Pretax return on assets | 0.3195% | 5,662 |
| Return on Equity (ROE) | 2.9062% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.0700% | 4,747 |
| Net charge-offs to loans | 0.0080% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 95.2500% | 549 |
| Efficiency ratio | 89.0328% | 911 |
| Assets per employee ($millions) | 2.8758% | 5,855 |
| Cash dividends to net income (ytd only)* | 28.7709% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 5,529 |
| Loan loss allowance to noncurrent loans | 39.7235% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 2,134 |
| Noncurrent loans to loans | 2.2153% | 1,198 |
| Net loans and leases to total assets | 44.4235% | 5,440 |
| Net loans and leases to deposits | 50.5972% | 5,552 |
| Net loans and leases to core deposits | 51.8194% | 5,627 |
| Total domestic deposits to total assets | 87.7983% | 1,871 |
| Equity capital to assets | 12.0580% | 1,979 |
| Core capital (leverage) ratio | 11.8937% | 1,701 |
| Tier 1 risk-based capital ratio | 27.2138% | 670 |
| Total risk-based capital ratio | 28.0984% | 676 |
| Memoranda: | ||
| Average total assets | $112,361,600 | 4,334 |
| Average earning assets | $104,577,000 | 4,298 |
| Average equity | $12,318,600 | 4,299 |
| Average total loans | $49,965,600 | 4,819 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 5,687 |
| Cost of funding earning assets | 0.5217% | 2,555 |
| Net interest margin | 2.8198% | 5,843 |
| Noninterest income to average assets | 0.4478% | 3,907 |
| Noninterest expense to average assets | 2.7377% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2967% | 5,595 |
| Return on assets (ROA) | 0.2946% | 5,674 |
| Pretax return on assets | 0.3324% | 5,710 |
| Return on Equity (ROE) | 2.7539% | 5,631 |
| Retained earnings to average equity (ytd only) | 1.8836% | 5,115 |
| Net charge-offs to loans | 0.0186% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 40.5852% | 1,122 |
| Efficiency ratio | 89.1063% | 919 |
| Assets per employee ($millions) | 2.8571% | 5,904 |
| Cash dividends to net income (ytd only)* | 31.5993% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 5,711 |
| Loan loss allowance to noncurrent loans | 104.6455% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 3,019 |
| Noncurrent loans to loans | 0.8235% | 3,514 |
| Net loans and leases to total assets | 44.1899% | 5,510 |
| Net loans and leases to deposits | 49.9660% | 5,649 |
| Net loans and leases to core deposits | 51.2719% | 5,726 |
| Total domestic deposits to total assets | 88.4399% | 1,533 |
| Equity capital to assets | 11.4040% | 2,581 |
| Core capital (leverage) ratio | 11.9016% | 1,762 |
| Tier 1 risk-based capital ratio | 25.7445% | 811 |
| Total risk-based capital ratio | 26.5808% | 835 |
| Memoranda: | ||
| Average total assets | $113,132,000 | 4,352 |
| Average earning assets | $105,299,500 | 4,323 |
| Average equity | $12,104,000 | 4,368 |
| Average total loans | $50,212,750 | 4,854 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3699% | 5,676 |
| Cost of funding earning assets | 0.5661% | 2,199 |
| Net interest margin | 2.8038% | 5,896 |
| Noninterest income to average assets | 0.5013% | 3,474 |
| Noninterest expense to average assets | 2.7845% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2845% | 5,618 |
| Return on assets (ROA) | 0.2814% | 5,698 |
| Pretax return on assets | 0.3184% | 5,749 |
| Return on Equity (ROE) | 2.6884% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.7307% | 5,039 |
| Net charge-offs to loans | -0.1151% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6376% | 947 |
| Assets per employee ($millions) | 2.9117% | 5,874 |
| Cash dividends to net income (ytd only)* | 35.6250% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 5,633 |
| Loan loss allowance to noncurrent loans | 97.0711% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 2,441 |
| Noncurrent loans to loans | 0.9583% | 3,326 |
| Net loans and leases to total assets | 43.5172% | 5,566 |
| Net loans and leases to deposits | 48.9185% | 5,710 |
| Net loans and leases to core deposits | 50.5560% | 5,763 |
| Total domestic deposits to total assets | 88.9587% | 1,378 |
| Equity capital to assets | 10.9172% | 2,963 |
| Core capital (leverage) ratio | 11.6360% | 1,890 |
| Tier 1 risk-based capital ratio | 25.3481% | 837 |
| Total risk-based capital ratio | 26.2455% | 858 |
| Memoranda: | ||
| Average total assets | $113,700,670 | 4,371 |
| Average earning assets | $105,641,000 | 4,336 |
| Average equity | $11,903,000 | 4,416 |
| Average total loans | $50,394,670 | 4,884 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 5,552 |
| Cost of funding earning assets | 0.5932% | 2,031 |
| Net interest margin | 2.8488% | 5,850 |
| Noninterest income to average assets | 0.5660% | 2,945 |
| Noninterest expense to average assets | 2.6649% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4985% | 4,702 |
| Return on assets (ROA) | 0.4289% | 5,072 |
| Pretax return on assets | 0.4746% | 5,243 |
| Return on Equity (ROE) | 4.1867% | 4,938 |
| Retained earnings to average equity (ytd only) | 2.9856% | 4,320 |
| Net charge-offs to loans | -0.1579% | 6,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8415% | 1,819 |
| Assets per employee ($millions) | 2.7172% | 6,187 |
| Cash dividends to net income (ytd only)* | 28.6885% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 5,832 |
| Loan loss allowance to noncurrent loans | 93.0470% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 2,816 |
| Noncurrent loans to loans | 0.9812% | 3,461 |
| Net loans and leases to total assets | 43.2717% | 5,572 |
| Net loans and leases to deposits | 48.4465% | 5,705 |
| Net loans and leases to core deposits | 50.0233% | 5,759 |
| Total domestic deposits to total assets | 89.3185% | 1,463 |
| Equity capital to assets | 10.5588% | 3,194 |
| Core capital (leverage) ratio | 11.4925% | 1,969 |
| Tier 1 risk-based capital ratio | 25.3534% | 852 |
| Total risk-based capital ratio | 26.2346% | 875 |
| Memoranda: | ||
| Average total assets | $113,773,500 | 4,417 |
| Average earning assets | $105,868,000 | 4,366 |
| Average equity | $11,656,000 | 4,478 |
| Average total loans | $50,652,000 | 4,907 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4359% | 5,764 |
| Cost of funding earning assets | 0.6633% | 2,088 |
| Net interest margin | 2.7726% | 6,025 |
| Noninterest income to average assets | 0.3839% | 4,563 |
| Noninterest expense to average assets | 2.8996% | 3,370 |
| Loan and lease loss provision to assets | 0.1596% | 2,288 |
| Net operating income to assets | 0.0112% | 6,192 |
| Return on assets (ROA) | 0.1803% | 5,938 |
| Pretax return on assets | 0.0794% | 6,114 |
| Return on Equity (ROE) | 1.6699% | 5,938 |
| Retained earnings to average equity (ytd only) | 0.7431% | 5,503 |
| Net charge-offs to loans | 0.4147% | 1,613 |
| Credit loss provision to net charge-offs | 86.4486% | 2,857 |
| Earnings coverage of net charge-offs (x) | 0.3785% | 4,953 |
| Efficiency ratio | 97.6467% | 557 |
| Assets per employee ($millions) | 2.7006% | 6,218 |
| Cash dividends to net income (ytd only)* | 55.5024% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 6,070 |
| Loan loss allowance to noncurrent loans | 56.3472% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.3419% | 2,742 |
| Noncurrent loans to loans | 1.5000% | 2,643 |
| Net loans and leases to total assets | 44.9914% | 5,586 |
| Net loans and leases to deposits | 50.5292% | 5,729 |
| Net loans and leases to core deposits | 52.1821% | 5,784 |
| Total domestic deposits to total assets | 89.0402% | 1,594 |
| Equity capital to assets | 9.9291% | 3,861 |
| Core capital (leverage) ratio | 11.2836% | 2,135 |
| Tier 1 risk-based capital ratio | 24.7173% | 880 |
| Total risk-based capital ratio | 25.5441% | 913 |
| Memoranda: | ||
| Average total assets | $115,913,200 | 4,367 |
| Average earning assets | $108,092,800 | 4,308 |
| Average equity | $12,515,600 | 4,351 |
| Average total loans | $51,600,200 | 4,910 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3678% | 5,950 |
| Cost of funding earning assets | 0.6679% | 2,194 |
| Net interest margin | 2.6999% | 6,175 |
| Noninterest income to average assets | 0.5618% | 3,381 |
| Noninterest expense to average assets | 3.1406% | 2,530 |
| Loan and lease loss provision to assets | 0.1545% | 2,335 |
| Net operating income to assets | -0.1110% | 6,393 |
| Return on assets (ROA) | 0.1133% | 6,178 |
| Pretax return on assets | 0.0114% | 6,312 |
| Return on Equity (ROE) | 1.0289% | 6,177 |
| Retained earnings to average equity (ytd only) | 0.0832% | 5,911 |
| Net charge-offs to loans | 0.5113% | 1,257 |
| Credit loss provision to net charge-offs | 68.1818% | 3,103 |
| Earnings coverage of net charge-offs (x) | -0.2576% | 4,923 |
| Efficiency ratio | 101.8931% | 408 |
| Assets per employee ($millions) | 2.5049% | 6,473 |
| Cash dividends to net income (ytd only)* | 91.9167% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 6,315 |
| Loan loss allowance to noncurrent loans | 27.8666% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 1.8512% | 2,198 |
| Noncurrent loans to loans | 2.8056% | 1,485 |
| Net loans and leases to total assets | 44.1649% | 5,713 |
| Net loans and leases to deposits | 49.6614% | 5,859 |
| Net loans and leases to core deposits | 51.2596% | 5,933 |
| Total domestic deposits to total assets | 88.9321% | 1,594 |
| Equity capital to assets | 10.0976% | 3,770 |
| Core capital (leverage) ratio | 11.3448% | 2,168 |
| Tier 1 risk-based capital ratio | 24.1693% | 972 |
| Total risk-based capital ratio | 24.9195% | 1,030 |
| Memoranda: | ||
| Average total assets | $116,535,500 | 4,393 |
| Average earning assets | $108,791,250 | 4,337 |
| Average equity | $12,829,000 | 4,343 |
| Average total loans | $51,633,750 | 4,945 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3994% | 5,913 |
| Cost of funding earning assets | 0.6784% | 2,236 |
| Net interest margin | 2.7210% | 6,145 |
| Noninterest income to average assets | 0.5899% | 3,252 |
| Noninterest expense to average assets | 2.9067% | 3,306 |
| Loan and lease loss provision to assets | 0.0855% | 3,372 |
| Net operating income to assets | 0.1505% | 6,025 |
| Return on assets (ROA) | 0.4104% | 5,343 |
| Pretax return on assets | 0.3950% | 5,649 |
| Return on Equity (ROE) | 3.6289% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.5705% | 4,668 |
| Net charge-offs to loans | 0.7614% | 836 |
| Credit loss provision to net charge-offs | 25.3807% | 3,656 |
| Earnings coverage of net charge-offs (x) | 0.6548% | 4,304 |
| Efficiency ratio | 92.9470% | 823 |
| Assets per employee ($millions) | 2.5738% | 6,425 |
| Cash dividends to net income (ytd only)* | 29.1667% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6069% | 6,609 |
| Loan loss allowance to noncurrent loans | 22.0906% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 1.9876% | 2,162 |
| Noncurrent loans to loans | 2.7475% | 1,655 |
| Net loans and leases to total assets | 44.8221% | 5,660 |
| Net loans and leases to deposits | 50.8338% | 5,780 |
| Net loans and leases to core deposits | 52.4676% | 5,855 |
| Total domestic deposits to total assets | 88.1739% | 2,124 |
| Equity capital to assets | 10.7218% | 3,033 |
| Core capital (leverage) ratio | 11.2769% | 2,104 |
| Tier 1 risk-based capital ratio | 24.5173% | 933 |
| Total risk-based capital ratio | 25.1115% | 1,000 |
| Memoranda: | ||
| Average total assets | $116,972,330 | 4,417 |
| Average earning assets | $109,077,000 | 4,360 |
| Average equity | $13,227,000 | 4,288 |
| Average total loans | $51,748,330 | 4,960 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 5,915 |
| Cost of funding earning assets | 0.6863% | 2,335 |
| Net interest margin | 2.7268% | 6,172 |
| Noninterest income to average assets | 0.4390% | 4,186 |
| Noninterest expense to average assets | 2.7631% | 3,822 |
| Loan and lease loss provision to assets | 0.1021% | 2,976 |
| Net operating income to assets | 0.2042% | 5,876 |
| Return on assets (ROA) | 0.2042% | 5,988 |
| Pretax return on assets | 0.1157% | 6,231 |
| Return on Equity (ROE) | 1.7606% | 6,010 |
| Retained earnings to average equity (ytd only) | 0.2934% | 5,695 |
| Net charge-offs to loans | 0.9863% | 617 |
| Credit loss provision to net charge-offs | 23.6220% | 2,987 |
| Earnings coverage of net charge-offs (x) | 0.5039% | 3,651 |
| Efficiency ratio | 92.6941% | 926 |
| Assets per employee ($millions) | 2.4668% | 6,614 |
| Cash dividends to net income (ytd only)* | 83.3333% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 6,583 |
| Loan loss allowance to noncurrent loans | 62.0981% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1934% | 3,583 |
| Noncurrent loans to loans | 1.1409% | 3,877 |
| Net loans and leases to total assets | 43.4370% | 5,717 |
| Net loans and leases to deposits | 49.7837% | 5,802 |
| Net loans and leases to core deposits | 51.3580% | 5,869 |
| Total domestic deposits to total assets | 87.2515% | 2,794 |
| Equity capital to assets | 11.4158% | 2,498 |
| Core capital (leverage) ratio | 11.0405% | 2,228 |
| Tier 1 risk-based capital ratio | 24.5194% | 952 |
| Total risk-based capital ratio | 25.2159% | 1,003 |
| Memoranda: | ||
| Average total assets | $117,548,500 | 4,450 |
| Average earning assets | $109,577,500 | 4,383 |
| Average equity | $13,631,500 | 4,264 |
| Average total loans | $51,507,500 | 5,006 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 5,873 |
| Cost of funding earning assets | 0.8119% | 2,571 |
| Net interest margin | 2.9713% | 6,101 |
| Noninterest income to average assets | 0.6366% | 3,072 |
| Noninterest expense to average assets | 2.8645% | 3,791 |
| Loan and lease loss provision to assets | 0.0431% | 5,314 |
| Net operating income to assets | 0.4048% | 5,084 |
| Return on assets (ROA) | 0.4945% | 4,960 |
| Pretax return on assets | 0.5884% | 5,028 |
| Return on Equity (ROE) | 4.2815% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.9459% | 3,426 |
| Net charge-offs to loans | -0.0381% | 6,656 |
| Credit loss provision to net charge-offs | -263.1579% | 6,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5196% | 1,570 |
| Assets per employee ($millions) | 2.3814% | 6,720 |
| Cash dividends to net income (ytd only)* | 7.8397% | 4,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 6,254 |
| Loan loss allowance to noncurrent loans | 53.2721% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.3283% | 3,422 |
| Noncurrent loans to loans | 1.7006% | 3,069 |
| Net loans and leases to total assets | 43.4926% | 5,863 |
| Net loans and leases to deposits | 50.1785% | 5,941 |
| Net loans and leases to core deposits | 51.7925% | 6,028 |
| Total domestic deposits to total assets | 86.6759% | 3,005 |
| Equity capital to assets | 11.7798% | 2,198 |
| Core capital (leverage) ratio | 10.9379% | 2,308 |
| Tier 1 risk-based capital ratio | 24.6845% | 887 |
| Total risk-based capital ratio | 25.5717% | 908 |
| Memoranda: | ||
| Average total assets | $116,076,600 | 4,436 |
| Average earning assets | $107,529,400 | 4,406 |
| Average equity | $13,406,400 | 4,272 |
| Average total loans | $49,913,200 | 5,109 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 5,940 |
| Cost of funding earning assets | 0.8386% | 2,640 |
| Net interest margin | 2.9966% | 6,178 |
| Noninterest income to average assets | 0.6694% | 2,878 |
| Noninterest expense to average assets | 2.8236% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4629% | 4,980 |
| Return on assets (ROA) | 0.5118% | 5,058 |
| Pretax return on assets | 0.6763% | 4,934 |
| Return on Equity (ROE) | 4.4539% | 5,068 |
| Retained earnings to average equity (ytd only) | 4.4539% | 3,762 |
| Net charge-offs to loans | 0.0619% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 23.1275% | 1,324 |
| Efficiency ratio | 82.1895% | 1,785 |
| Assets per employee ($millions) | 2.5315% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 6,702 |
| Loan loss allowance to noncurrent loans | 45.7565% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 1.2540% | 3,793 |
| Noncurrent loans to loans | 1.6092% | 3,373 |
| Net loans and leases to total assets | 42.1491% | 6,118 |
| Net loans and leases to deposits | 48.6223% | 6,222 |
| Net loans and leases to core deposits | 50.2802% | 6,267 |
| Total domestic deposits to total assets | 86.6868% | 2,861 |
| Equity capital to assets | 11.6885% | 2,545 |
| Core capital (leverage) ratio | 10.9903% | 2,395 |
| Tier 1 risk-based capital ratio | 24.2435% | 989 |
| Total risk-based capital ratio | 24.9466% | 1,045 |
| Memoranda: | ||
| Average total assets | $115,923,000 | 4,485 |
| Average earning assets | $107,006,250 | 4,466 |
| Average equity | $13,321,500 | 4,336 |
| Average total loans | $49,587,500 | 5,186 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 5,829 |
| Cost of funding earning assets | 0.8753% | 2,603 |
| Net interest margin | 3.0580% | 6,109 |
| Noninterest income to average assets | 0.7102% | 2,612 |
| Noninterest expense to average assets | 2.8841% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4503% | 5,036 |
| Return on assets (ROA) | 0.5204% | 4,992 |
| Pretax return on assets | 0.7206% | 4,769 |
| Return on Equity (ROE) | 4.5557% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.5557% | 3,574 |
| Net charge-offs to loans | 0.0487% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 29.8333% | 1,075 |
| Efficiency ratio | 82.2333% | 1,849 |
| Assets per employee ($millions) | 2.6384% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 6,689 |
| Loan loss allowance to noncurrent loans | 43.9220% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 1.3360% | 3,769 |
| Noncurrent loans to loans | 1.8037% | 3,208 |
| Net loans and leases to total assets | 41.3149% | 6,247 |
| Net loans and leases to deposits | 47.5257% | 6,341 |
| Net loans and leases to core deposits | 49.1757% | 6,389 |
| Total domestic deposits to total assets | 86.9316% | 2,812 |
| Equity capital to assets | 11.5523% | 2,541 |
| Core capital (leverage) ratio | 11.1232% | 2,184 |
| Tier 1 risk-based capital ratio | 24.4797% | 961 |
| Total risk-based capital ratio | 25.2191% | 1,000 |
| Memoranda: | ||
| Average total assets | $114,904,000 | 4,533 |
| Average earning assets | $105,102,000 | 4,532 |
| Average equity | $13,126,330 | 4,373 |
| Average total loans | $49,276,330 | 5,222 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9681% | 5,864 |
| Cost of funding earning assets | 0.9169% | 2,554 |
| Net interest margin | 3.0512% | 6,179 |
| Noninterest income to average assets | 0.8503% | 1,945 |
| Noninterest expense to average assets | 2.6174% | 4,753 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6718% | 4,020 |
| Return on assets (ROA) | 0.6718% | 4,235 |
| Pretax return on assets | 1.0043% | 3,661 |
| Return on Equity (ROE) | 5.9150% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.9150% | 3,011 |
| Net charge-offs to loans | 0.0804% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 28.7000% | 956 |
| Efficiency ratio | 72.2705% | 3,385 |
| Assets per employee ($millions) | 2.5338% | 6,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 6,794 |
| Loan loss allowance to noncurrent loans | 35.5494% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 3,588 |
| Noncurrent loans to loans | 2.1591% | 2,958 |
| Net loans and leases to total assets | 42.7044% | 6,125 |
| Net loans and leases to deposits | 48.8522% | 6,237 |
| Net loans and leases to core deposits | 50.5238% | 6,305 |
| Total domestic deposits to total assets | 87.4156% | 2,715 |
| Equity capital to assets | 11.2151% | 2,703 |
| Core capital (leverage) ratio | 11.0169% | 2,246 |
| Tier 1 risk-based capital ratio | 23.6980% | 1,042 |
| Total risk-based capital ratio | 24.4237% | 1,089 |
| Memoranda: | ||
| Average total assets | $114,311,500 | 4,589 |
| Average earning assets | $103,827,000 | 4,604 |
| Average equity | $12,984,000 | 4,410 |
| Average total loans | $49,742,000 | 5,239 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 6,175 |
| Cost of funding earning assets | 1.0894% | 2,741 |
| Net interest margin | 3.0660% | 6,414 |
| Noninterest income to average assets | 0.6531% | 2,871 |
| Noninterest expense to average assets | 3.0213% | 3,514 |
| Loan and lease loss provision to assets | 0.2451% | 3,758 |
| Net operating income to assets | 0.1935% | 5,608 |
| Return on assets (ROA) | 0.3561% | 5,211 |
| Pretax return on assets | 0.4303% | 5,203 |
| Return on Equity (ROE) | 3.2326% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.2326% | 3,917 |
| Net charge-offs to loans | 0.9369% | 1,856 |
| Credit loss provision to net charge-offs | 60.6195% | 5,152 |
| Earnings coverage of net charge-offs (x) | 1.1858% | 4,898 |
| Efficiency ratio | 86.3021% | 1,521 |
| Assets per employee ($millions) | 2.5470% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 6,736 |
| Loan loss allowance to noncurrent loans | 38.6876% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 3,676 |
| Noncurrent loans to loans | 2.0700% | 3,111 |
| Net loans and leases to total assets | 43.6609% | 6,243 |
| Net loans and leases to deposits | 50.1337% | 6,358 |
| Net loans and leases to core deposits | 51.3750% | 6,458 |
| Total domestic deposits to total assets | 87.0889% | 2,711 |
| Equity capital to assets | 11.5075% | 2,498 |
| Core capital (leverage) ratio | 10.9136% | 2,337 |
| Tier 1 risk-based capital ratio | 23.8082% | 980 |
| Total risk-based capital ratio | 24.5678% | 1,041 |
| Memoranda: | ||
| Average total assets | $111,772,200 | 4,599 |
| Average earning assets | $103,816,600 | 4,544 |
| Average equity | $12,312,200 | 4,473 |
| Average total loans | $48,244,200 | 5,335 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1527% | 6,308 |
| Cost of funding earning assets | 1.1192% | 2,835 |
| Net interest margin | 3.0335% | 6,515 |
| Noninterest income to average assets | 0.6243% | 3,033 |
| Noninterest expense to average assets | 3.0200% | 3,483 |
| Loan and lease loss provision to assets | 0.1671% | 4,386 |
| Net operating income to assets | 0.1864% | 5,735 |
| Return on assets (ROA) | 0.3569% | 5,364 |
| Pretax return on assets | 0.5085% | 5,138 |
| Return on Equity (ROE) | 3.2768% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.2768% | 4,383 |
| Net charge-offs to loans | 0.7031% | 2,154 |
| Credit loss provision to net charge-offs | 55.3360% | 4,917 |
| Earnings coverage of net charge-offs (x) | 1.4308% | 4,556 |
| Efficiency ratio | 87.4827% | 1,387 |
| Assets per employee ($millions) | 2.5013% | 6,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 6,503 |
| Loan loss allowance to noncurrent loans | 26.9637% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 1.5514% | 3,767 |
| Noncurrent loans to loans | 3.4607% | 1,985 |
| Net loans and leases to total assets | 42.4443% | 6,471 |
| Net loans and leases to deposits | 48.4811% | 6,600 |
| Net loans and leases to core deposits | 49.5033% | 6,695 |
| Total domestic deposits to total assets | 87.5481% | 2,326 |
| Equity capital to assets | 11.0813% | 3,067 |
| Core capital (leverage) ratio | 11.0037% | 2,384 |
| Tier 1 risk-based capital ratio | 23.5007% | 1,073 |
| Total risk-based capital ratio | 24.3810% | 1,115 |
| Memoranda: | ||
| Average total assets | $111,698,750 | 4,628 |
| Average earning assets | $104,122,750 | 4,570 |
| Average equity | $12,166,250 | 4,520 |
| Average total loans | $47,974,250 | 5,386 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 6,376 |
| Cost of funding earning assets | 1.1560% | 2,866 |
| Net interest margin | 2.9983% | 6,613 |
| Noninterest income to average assets | 0.5372% | 3,580 |
| Noninterest expense to average assets | 2.9988% | 3,646 |
| Loan and lease loss provision to assets | 0.1447% | 4,498 |
| Net operating income to assets | 0.1588% | 5,857 |
| Return on assets (ROA) | 0.2152% | 5,798 |
| Pretax return on assets | 0.2695% | 5,750 |
| Return on Equity (ROE) | 1.9880% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.9880% | 4,983 |
| Net charge-offs to loans | 1.0393% | 1,517 |
| Credit loss provision to net charge-offs | 32.3887% | 4,955 |
| Earnings coverage of net charge-offs (x) | 0.7692% | 4,725 |
| Efficiency ratio | 89.7186% | 1,261 |
| Assets per employee ($millions) | 2.6074% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 6,766 |
| Loan loss allowance to noncurrent loans | 31.7188% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 4,305 |
| Noncurrent loans to loans | 2.6858% | 2,711 |
| Net loans and leases to total assets | 42.1453% | 6,584 |
| Net loans and leases to deposits | 47.9429% | 6,730 |
| Net loans and leases to core deposits | 49.0024% | 6,806 |
| Total domestic deposits to total assets | 87.9073% | 2,202 |
| Equity capital to assets | 10.8851% | 3,083 |
| Core capital (leverage) ratio | 11.0508% | 2,203 |
| Tier 1 risk-based capital ratio | 23.6963% | 1,033 |
| Total risk-based capital ratio | 24.4914% | 1,069 |
| Memoranda: | ||
| Average total assets | $110,578,670 | 4,689 |
| Average earning assets | $103,460,000 | 4,616 |
| Average equity | $11,971,670 | 4,566 |
| Average total loans | $47,533,670 | 5,458 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 6,389 |
| Cost of funding earning assets | 1.2020% | 2,804 |
| Net interest margin | 2.9505% | 6,675 |
| Noninterest income to average assets | 0.5500% | 3,511 |
| Noninterest expense to average assets | 2.9906% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2049% | 5,768 |
| Return on assets (ROA) | 0.2987% | 5,479 |
| Pretax return on assets | 0.4553% | 5,169 |
| Return on Equity (ROE) | 2.7666% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.7666% | 4,506 |
| Net charge-offs to loans | 0.1095% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.6154% | 2,070 |
| Efficiency ratio | 90.5182% | 1,290 |
| Assets per employee ($millions) | 2.5428% | 6,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,651 |
| Loan loss allowance to noncurrent loans | 83.5821% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7737% | 5,366 |
| Noncurrent loans to loans | 1.4318% | 4,323 |
| Net loans and leases to total assets | 42.2838% | 6,594 |
| Net loans and leases to deposits | 48.1725% | 6,747 |
| Net loans and leases to core deposits | 49.2595% | 6,817 |
| Total domestic deposits to total assets | 87.7760% | 2,507 |
| Equity capital to assets | 10.8732% | 2,805 |
| Core capital (leverage) ratio | 10.9629% | 2,224 |
| Tier 1 risk-based capital ratio | 24.1246% | 961 |
| Total risk-based capital ratio | 25.2445% | 955 |
| Memoranda: | ||
| Average total assets | $109,809,500 | 4,738 |
| Average earning assets | $102,492,500 | 4,671 |
| Average equity | $11,855,500 | 4,586 |
| Average total loans | $47,471,500 | 5,499 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6307% | 6,019 |
| Cost of funding earning assets | 1.4509% | 2,947 |
| Net interest margin | 3.1798% | 6,318 |
| Noninterest income to average assets | 0.4345% | 4,642 |
| Noninterest expense to average assets | 2.9640% | 3,981 |
| Loan and lease loss provision to assets | 0.1273% | 5,889 |
| Net operating income to assets | 0.1852% | 5,320 |
| Return on assets (ROA) | 0.3027% | 5,101 |
| Pretax return on assets | 0.4790% | 4,693 |
| Return on Equity (ROE) | 2.7743% | 5,050 |
| Retained earnings to average equity (ytd only) | 1.9661% | 4,489 |
| Net charge-offs to loans | 0.2711% | 4,667 |
| Credit loss provision to net charge-offs | 106.8702% | 4,171 |
| Earnings coverage of net charge-offs (x) | 3.5496% | 3,307 |
| Efficiency ratio | 87.5201% | 1,518 |
| Assets per employee ($millions) | 2.4506% | 7,076 |
| Cash dividends to net income (ytd only)* | 29.1291% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 5,570 |
| Loan loss allowance to noncurrent loans | 56.9583% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 4,862 |
| Noncurrent loans to loans | 2.0893% | 3,445 |
| Net loans and leases to total assets | 43.1423% | 6,776 |
| Net loans and leases to deposits | 49.0449% | 6,904 |
| Net loans and leases to core deposits | 51.4886% | 6,925 |
| Total domestic deposits to total assets | 87.9649% | 2,266 |
| Equity capital to assets | 10.7203% | 2,933 |
| Core capital (leverage) ratio | 10.6025% | 2,459 |
| Tier 1 risk-based capital ratio | 23.5206% | 981 |
| Total risk-based capital ratio | 24.6619% | 971 |
| Memoranda: | ||
| Average total assets | $110,019,000 | 4,712 |
| Average earning assets | $102,145,000 | 4,665 |
| Average equity | $12,003,200 | 4,600 |
| Average total loans | $48,315,800 | 5,545 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 5,927 |
| Cost of funding earning assets | 1.4802% | 3,088 |
| Net interest margin | 3.2450% | 6,189 |
| Noninterest income to average assets | 0.4487% | 4,571 |
| Noninterest expense to average assets | 2.8023% | 4,480 |
| Loan and lease loss provision to assets | 0.0970% | 6,053 |
| Net operating income to assets | 0.3402% | 5,004 |
| Return on assets (ROA) | 0.4729% | 4,626 |
| Pretax return on assets | 0.7712% | 4,006 |
| Return on Equity (ROE) | 4.3158% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.5301% | 3,966 |
| Net charge-offs to loans | 0.3253% | 4,034 |
| Credit loss provision to net charge-offs | 67.7966% | 5,480 |
| Earnings coverage of net charge-offs (x) | 4.6186% | 2,972 |
| Efficiency ratio | 80.9174% | 2,225 |
| Assets per employee ($millions) | 2.9006% | 6,373 |
| Cash dividends to net income (ytd only)* | 18.2042% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 6,109 |
| Loan loss allowance to noncurrent loans | 59.8407% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.2349% | 4,684 |
| Noncurrent loans to loans | 1.7741% | 3,983 |
| Net loans and leases to total assets | 43.3342% | 6,886 |
| Net loans and leases to deposits | 49.4542% | 7,023 |
| Net loans and leases to core deposits | 51.8554% | 7,053 |
| Total domestic deposits to total assets | 87.6250% | 2,197 |
| Equity capital to assets | 10.8890% | 3,069 |
| Core capital (leverage) ratio | 10.5843% | 2,610 |
| Tier 1 risk-based capital ratio | 23.1380% | 1,048 |
| Total risk-based capital ratio | 24.1614% | 1,054 |
| Memoranda: | ||
| Average total assets | $109,954,500 | 4,770 |
| Average earning assets | $102,143,500 | 4,723 |
| Average equity | $12,048,500 | 4,666 |
| Average total loans | $48,357,500 | 5,629 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8054% | 5,783 |
| Cost of funding earning assets | 1.5180% | 3,150 |
| Net interest margin | 3.2874% | 6,055 |
| Noninterest income to average assets | 0.4187% | 4,769 |
| Noninterest expense to average assets | 2.8155% | 4,421 |
| Loan and lease loss provision to assets | 0.1102% | 5,803 |
| Net operating income to assets | 0.3022% | 5,178 |
| Return on assets (ROA) | 0.5032% | 4,460 |
| Pretax return on assets | 0.8577% | 3,669 |
| Return on Equity (ROE) | 4.5824% | 4,503 |
| Retained earnings to average equity (ytd only) | 3.8466% | 3,640 |
| Net charge-offs to loans | 0.3086% | 3,774 |
| Credit loss provision to net charge-offs | 81.0811% | 4,677 |
| Earnings coverage of net charge-offs (x) | 4.8108% | 2,833 |
| Efficiency ratio | 81.1540% | 2,279 |
| Assets per employee ($millions) | 2.9806% | 6,177 |
| Cash dividends to net income (ytd only)* | 16.0584% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,586 |
| Loan loss allowance to noncurrent loans | 83.2073% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 5,151 |
| Noncurrent loans to loans | 1.4096% | 4,592 |
| Net loans and leases to total assets | 40.9150% | 7,107 |
| Net loans and leases to deposits | 46.6213% | 7,220 |
| Net loans and leases to core deposits | 48.8711% | 7,254 |
| Total domestic deposits to total assets | 87.7605% | 2,134 |
| Equity capital to assets | 10.8048% | 3,070 |
| Core capital (leverage) ratio | 10.7301% | 2,446 |
| Tier 1 risk-based capital ratio | 23.0488% | 1,067 |
| Total risk-based capital ratio | 24.1228% | 1,061 |
| Memoranda: | ||
| Average total assets | $108,898,330 | 4,835 |
| Average earning assets | $101,053,330 | 4,777 |
| Average equity | $11,958,670 | 4,687 |
| Average total loans | $47,961,000 | 5,690 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 5,514 |
| Cost of funding earning assets | 1.5654% | 3,170 |
| Net interest margin | 3.3234% | 5,891 |
| Noninterest income to average assets | 0.3711% | 5,179 |
| Noninterest expense to average assets | 2.8300% | 4,368 |
| Loan and lease loss provision to assets | 0.0937% | 5,690 |
| Net operating income to assets | 0.3565% | 5,044 |
| Return on assets (ROA) | 0.5173% | 4,449 |
| Pretax return on assets | 0.7984% | 3,875 |
| Return on Equity (ROE) | 4.6704% | 4,548 |
| Retained earnings to average equity (ytd only) | 3.9597% | 3,768 |
| Net charge-offs to loans | 0.5444% | 2,438 |
| Credit loss provision to net charge-offs | 37.8788% | 4,672 |
| Earnings coverage of net charge-offs (x) | 2.6061% | 3,231 |
| Efficiency ratio | 81.4455% | 2,359 |
| Assets per employee ($millions) | 2.5918% | 7,057 |
| Cash dividends to net income (ytd only)* | 15.2174% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 6,070 |
| Loan loss allowance to noncurrent loans | 54.2531% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 4,561 |
| Noncurrent loans to loans | 2.0024% | 3,787 |
| Net loans and leases to total assets | 43.7458% | 7,011 |
| Net loans and leases to deposits | 49.9250% | 7,127 |
| Net loans and leases to core deposits | 52.4334% | 7,175 |
| Total domestic deposits to total assets | 87.6229% | 2,281 |
| Equity capital to assets | 11.0203% | 2,738 |
| Core capital (leverage) ratio | 10.8531% | 2,329 |
| Tier 1 risk-based capital ratio | 22.5499% | 1,143 |
| Total risk-based capital ratio | 23.5587% | 1,139 |
| Memoranda: | ||
| Average total assets | $106,715,500 | 4,962 |
| Average earning assets | $99,656,500 | 4,885 |
| Average equity | $11,819,000 | 4,760 |
| Average total loans | $48,495,500 | 5,736 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 5,538 |
| Cost of funding earning assets | 1.9265% | 3,324 |
| Net interest margin | 3.2971% | 5,758 |
| Noninterest income to average assets | 0.5700% | 3,864 |
| Noninterest expense to average assets | 3.1281% | 3,623 |
| Loan and lease loss provision to assets | 0.3241% | 4,869 |
| Net operating income to assets | 0.1460% | 5,059 |
| Return on assets (ROA) | 0.2859% | 4,674 |
| Pretax return on assets | 0.3222% | 4,703 |
| Return on Equity (ROE) | 2.5326% | 4,695 |
| Retained earnings to average equity (ytd only) | 0.5403% | 4,601 |
| Net charge-offs to loans | 0.3722% | 4,350 |
| Credit loss provision to net charge-offs | 181.8182% | 2,269 |
| Earnings coverage of net charge-offs (x) | 2.7433% | 3,726 |
| Efficiency ratio | 86.4822% | 2,058 |
| Assets per employee ($millions) | 2.4320% | 7,313 |
| Cash dividends to net income (ytd only)* | 78.6667% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 5,618 |
| Loan loss allowance to noncurrent loans | 60.7104% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4372% | 4,255 |
| Noncurrent loans to loans | 1.9018% | 3,801 |
| Net loans and leases to total assets | 46.1717% | 6,954 |
| Net loans and leases to deposits | 52.7163% | 7,122 |
| Net loans and leases to core deposits | 62.3089% | 7,180 |
| Total domestic deposits to total assets | 87.5852% | 2,182 |
| Equity capital to assets | 11.1325% | 2,598 |
| Core capital (leverage) ratio | 10.8971% | 2,282 |
| Tier 1 risk-based capital ratio | 21.9418% | 1,162 |
| Total risk-based capital ratio | 23.0111% | 1,158 |
| Memoranda: | ||
| Average total assets | $104,918,600 | 4,961 |
| Average earning assets | $96,964,000 | 4,928 |
| Average equity | $11,845,400 | 4,788 |
| Average total loans | $50,242,400 | 5,660 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2521% | 5,672 |
| Cost of funding earning assets | 1.9843% | 3,444 |
| Net interest margin | 3.2678% | 5,761 |
| Noninterest income to average assets | 0.5270% | 4,261 |
| Noninterest expense to average assets | 2.9547% | 4,227 |
| Loan and lease loss provision to assets | 0.1905% | 5,472 |
| Net operating income to assets | 0.3103% | 4,757 |
| Return on assets (ROA) | 0.3759% | 4,597 |
| Pretax return on assets | 0.4863% | 4,560 |
| Return on Equity (ROE) | 3.3175% | 4,653 |
| Retained earnings to average equity (ytd only) | 1.9165% | 4,255 |
| Net charge-offs to loans | 0.3136% | 4,077 |
| Credit loss provision to net charge-offs | 126.0504% | 3,992 |
| Earnings coverage of net charge-offs (x) | 3.9160% | 3,335 |
| Efficiency ratio | 83.3154% | 2,387 |
| Assets per employee ($millions) | 2.5480% | 7,146 |
| Cash dividends to net income (ytd only)* | 42.2288% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 6,879 |
| Loan loss allowance to noncurrent loans | 61.5599% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 4,857 |
| Noncurrent loans to loans | 1.4153% | 4,546 |
| Net loans and leases to total assets | 46.9920% | 7,033 |
| Net loans and leases to deposits | 53.8831% | 7,223 |
| Net loans and leases to core deposits | 63.7235% | 7,256 |
| Total domestic deposits to total assets | 87.2110% | 2,073 |
| Equity capital to assets | 11.3480% | 2,716 |
| Core capital (leverage) ratio | 11.0110% | 2,395 |
| Tier 1 risk-based capital ratio | 21.5252% | 1,285 |
| Total risk-based capital ratio | 22.3398% | 1,341 |
| Memoranda: | ||
| Average total assets | $105,004,000 | 4,988 |
| Average earning assets | $97,026,250 | 4,956 |
| Average equity | $11,896,250 | 4,822 |
| Average total loans | $50,590,750 | 5,686 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 5,707 |
| Cost of funding earning assets | 2.0615% | 3,467 |
| Net interest margin | 3.2255% | 5,825 |
| Noninterest income to average assets | 0.6038% | 3,660 |
| Noninterest expense to average assets | 2.9866% | 4,139 |
| Loan and lease loss provision to assets | 0.2875% | 4,275 |
| Net operating income to assets | 0.2818% | 4,978 |
| Return on assets (ROA) | 0.2818% | 5,076 |
| Pretax return on assets | 0.2990% | 5,212 |
| Return on Equity (ROE) | 2.4886% | 5,109 |
| Retained earnings to average equity (ytd only) | 0.8465% | 4,846 |
| Net charge-offs to loans | 0.3917% | 3,242 |
| Credit loss provision to net charge-offs | 151.5152% | 3,035 |
| Earnings coverage of net charge-offs (x) | 3.0909% | 3,572 |
| Efficiency ratio | 83.5837% | 2,529 |
| Assets per employee ($millions) | 2.7413% | 6,752 |
| Cash dividends to net income (ytd only)* | 65.9864% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 6,732 |
| Loan loss allowance to noncurrent loans | 46.1538% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 1.1935% | 4,554 |
| Noncurrent loans to loans | 1.9666% | 3,567 |
| Net loans and leases to total assets | 47.1785% | 7,107 |
| Net loans and leases to deposits | 53.8424% | 7,277 |
| Net loans and leases to core deposits | 62.0452% | 7,378 |
| Total domestic deposits to total assets | 87.6234% | 1,959 |
| Equity capital to assets | 11.0569% | 2,865 |
| Core capital (leverage) ratio | 10.9819% | 2,413 |
| Tier 1 risk-based capital ratio | 21.2431% | 1,357 |
| Total risk-based capital ratio | 22.0921% | 1,390 |
| Memoranda: | ||
| Average total assets | $104,334,000 | 5,037 |
| Average earning assets | $96,045,670 | 5,004 |
| Average equity | $11,813,670 | 4,867 |
| Average total loans | $50,544,330 | 5,748 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3804% | 5,527 |
| Cost of funding earning assets | 2.1741% | 3,303 |
| Net interest margin | 3.2062% | 5,839 |
| Noninterest income to average assets | 0.5939% | 3,591 |
| Noninterest expense to average assets | 2.8221% | 4,467 |
| Loan and lease loss provision to assets | 0.1941% | 4,498 |
| Net operating income to assets | 0.3571% | 5,034 |
| Return on assets (ROA) | 0.3571% | 5,219 |
| Pretax return on assets | 0.5202% | 5,019 |
| Return on Equity (ROE) | 3.1160% | 5,318 |
| Retained earnings to average equity (ytd only) | 0.9822% | 5,251 |
| Net charge-offs to loans | 0.4447% | 2,335 |
| Credit loss provision to net charge-offs | 89.2857% | 4,026 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 3,220 |
| Efficiency ratio | 79.8024% | 2,849 |
| Assets per employee ($millions) | 2.7288% | 6,813 |
| Cash dividends to net income (ytd only)* | 68.4783% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 7,141 |
| Loan loss allowance to noncurrent loans | 48.5030% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 4,514 |
| Noncurrent loans to loans | 1.6586% | 3,786 |
| Net loans and leases to total assets | 48.1585% | 7,011 |
| Net loans and leases to deposits | 55.3207% | 7,201 |
| Net loans and leases to core deposits | 64.6748% | 7,292 |
| Total domestic deposits to total assets | 87.0534% | 2,187 |
| Equity capital to assets | 11.4817% | 2,601 |
| Core capital (leverage) ratio | 11.2066% | 2,334 |
| Tier 1 risk-based capital ratio | 21.6933% | 1,336 |
| Total risk-based capital ratio | 22.4547% | 1,383 |
| Memoranda: | ||
| Average total assets | $103,045,500 | 5,095 |
| Average earning assets | $94,566,000 | 5,073 |
| Average equity | $11,810,000 | 4,898 |
| Average total loans | $50,366,000 | 5,784 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 6,734 |
| Cost of funding earning assets | 2.6643% | 3,342 |
| Net interest margin | 3.0498% | 6,791 |
| Noninterest income to average assets | 0.4645% | 4,926 |
| Noninterest expense to average assets | 2.9014% | 4,445 |
| Loan and lease loss provision to assets | -0.0978% | 8,255 |
| Net operating income to assets | 0.3534% | 5,339 |
| Return on assets (ROA) | 0.4479% | 4,781 |
| Pretax return on assets | 0.6337% | 4,590 |
| Return on Equity (ROE) | 4.0163% | 4,820 |
| Retained earnings to average equity (ytd only) | 1.8942% | 4,049 |
| Net charge-offs to loans | 0.2525% | 3,755 |
| Credit loss provision to net charge-offs | -79.3651% | 7,305 |
| Earnings coverage of net charge-offs (x) | 3.2698% | 4,452 |
| Efficiency ratio | 87.8070% | 1,696 |
| Assets per employee ($millions) | 2.6255% | 6,949 |
| Cash dividends to net income (ytd only)* | 52.8384% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 7,043 |
| Loan loss allowance to noncurrent loans | 41.7259% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1739% | 3,912 |
| Noncurrent loans to loans | 1.9548% | 2,822 |
| Net loans and leases to total assets | 48.8085% | 7,122 |
| Net loans and leases to deposits | 56.0373% | 7,318 |
| Net loans and leases to core deposits | 65.8186% | 7,366 |
| Total domestic deposits to total assets | 87.1001% | 1,887 |
| Equity capital to assets | 11.4399% | 2,674 |
| Core capital (leverage) ratio | 11.2489% | 2,399 |
| Tier 1 risk-based capital ratio | 21.4965% | 1,391 |
| Total risk-based capital ratio | 22.2641% | 1,425 |
| Memoranda: | ||
| Average total assets | $102,261,200 | 4,985 |
| Average earning assets | $95,220,400 | 4,945 |
| Average equity | $11,403,400 | 5,002 |
| Average total loans | $49,894,600 | 5,709 |