Home > American Bank of Beaver Dam > Performance and Condition Ratios
American Bank of Beaver Dam, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 3,213 |
| Cost of funding earning assets | 0.6588% | 3,983 |
| Net interest margin | 3.7784% | 1,598 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 3.0788% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9610% | 2,333 |
| Return on assets (ROA) | 1.1989% | 1,632 |
| Pretax return on assets | 1.5435% | 1,337 |
| Return on Equity (ROE) | 16.2400% | 1,061 |
| Retained earnings to average equity (ytd only) | 11.4618% | 707 |
| Net charge-offs to loans | -0.0036% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.2481% | 1,732 |
| Assets per employee ($millions) | 5.4746% | 3,273 |
| Cash dividends to net income (ytd only)* | 29.4388% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 682 |
| Loan loss allowance to noncurrent loans | 1,320.1493% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,113 |
| Noncurrent loans to loans | 0.1278% | 2,877 |
| Net loans and leases to total assets | 52.3100% | 3,464 |
| Net loans and leases to deposits | 56.9592% | 3,667 |
| Net loans and leases to core deposits | 57.5654% | 3,854 |
| Total domestic deposits to total assets | 91.8300% | 333 |
| Equity capital to assets | 7.5150% | 3,710 |
| Core capital (leverage) ratio | 10.0412% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $181,336,600 | 3,113 |
| Average earning assets | $168,931,800 | 3,104 |
| Average equity | $13,383,600 | 3,387 |
| Average total loans | $110,894,000 | 3,049 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 3,124 |
| Cost of funding earning assets | 0.5863% | 3,994 |
| Net interest margin | 3.8003% | 1,599 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 3.1206% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9946% | 2,377 |
| Return on assets (ROA) | 1.0011% | 2,349 |
| Pretax return on assets | 1.2972% | 2,052 |
| Return on Equity (ROE) | 13.6300% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.3302% | 1,103 |
| Net charge-offs to loans | -0.0047% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.7687% | 1,700 |
| Assets per employee ($millions) | 5.0850% | 3,538 |
| Cash dividends to net income (ytd only)* | 16.8919% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 772 |
| Loan loss allowance to noncurrent loans | 1,203.4014% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 3,039 |
| Noncurrent loans to loans | 0.1380% | 2,865 |
| Net loans and leases to total assets | 58.8800% | 2,952 |
| Net loans and leases to deposits | 63.9915% | 3,268 |
| Net loans and leases to core deposits | 64.6205% | 3,500 |
| Total domestic deposits to total assets | 92.0100% | 447 |
| Equity capital to assets | 7.3286% | 3,453 |
| Core capital (leverage) ratio | 10.1570% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $177,399,250 | 3,154 |
| Average earning assets | $165,315,250 | 3,144 |
| Average equity | $13,026,750 | 3,418 |
| Average total loans | $112,403,500 | 3,034 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 3,044 |
| Cost of funding earning assets | 0.5334% | 3,917 |
| Net interest margin | 3.7947% | 1,641 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 3.1173% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7396% | 3,243 |
| Return on assets (ROA) | 0.7494% | 3,238 |
| Pretax return on assets | 1.1015% | 2,643 |
| Return on Equity (ROE) | 10.2000% | 2,645 |
| Retained earnings to average equity (ytd only) | 7.2036% | 2,226 |
| Net charge-offs to loans | -0.0052% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.1079% | 1,336 |
| Assets per employee ($millions) | 5.2712% | 3,344 |
| Cash dividends to net income (ytd only)* | 29.3675% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 1,024 |
| Loan loss allowance to noncurrent loans | 3,335.8491% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,481 |
| Noncurrent loans to loans | 0.0466% | 3,385 |
| Net loans and leases to total assets | 64.3500% | 2,352 |
| Net loans and leases to deposits | 69.9861% | 2,788 |
| Net loans and leases to core deposits | 70.6889% | 3,086 |
| Total domestic deposits to total assets | 91.9400% | 424 |
| Equity capital to assets | 7.4895% | 3,525 |
| Core capital (leverage) ratio | 9.7247% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $177,207,333 | 3,162 |
| Average earning assets | $164,229,000 | 3,164 |
| Average equity | $13,021,333 | 3,431 |
| Average total loans | $114,353,000 | 3,012 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,587 |
| Cost of funding earning assets | 0.5409% | 3,562 |
| Net interest margin | 3.8470% | 1,585 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.1783% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7925% | 3,216 |
| Return on assets (ROA) | 0.8119% | 3,106 |
| Pretax return on assets | 1.0848% | 2,750 |
| Return on Equity (ROE) | 11.1500% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.8493% | 1,993 |
| Net charge-offs to loans | -0.0105% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.9868% | 1,247 |
| Assets per employee ($millions) | 5.0068% | 3,654 |
| Cash dividends to net income (ytd only)* | 20.6612% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,141 |
| Loan loss allowance to noncurrent loans | 3,214.5455% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,474 |
| Noncurrent loans to loans | 0.0480% | 3,393 |
| Net loans and leases to total assets | 62.5900% | 2,400 |
| Net loans and leases to deposits | 67.8937% | 2,776 |
| Net loans and leases to core deposits | 68.2370% | 3,078 |
| Total domestic deposits to total assets | 92.1900% | 475 |
| Equity capital to assets | 7.3689% | 3,635 |
| Core capital (leverage) ratio | 9.4704% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $178,835,500 | 3,187 |
| Average earning assets | $164,179,500 | 3,204 |
| Average equity | $13,018,000 | 3,475 |
| Average total loans | $114,679,000 | 3,038 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 3,078 |
| Cost of funding earning assets | 0.0858% | 4,454 |
| Net interest margin | 3.4121% | 2,215 |
| Noninterest income to average assets | 1.2100% | 467 |
| Noninterest expense to average assets | 3.0310% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0094% | 2,532 |
| Return on assets (ROA) | 1.0198% | 2,443 |
| Pretax return on assets | 1.3548% | 1,920 |
| Return on Equity (ROE) | 12.9500% | 1,828 |
| Retained earnings to average equity (ytd only) | 1.2532% | 4,148 |
| Net charge-offs to loans | -0.0008% | 3,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3166% | 1,784 |
| Assets per employee ($millions) | 4.9285% | 3,730 |
| Cash dividends to net income (ytd only)* | 90.3226% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 1,832 |
| Loan loss allowance to noncurrent loans | 351.5152% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 1,945 |
| Noncurrent loans to loans | 0.3738% | 1,803 |
| Net loans and leases to total assets | 63.8300% | 2,259 |
| Net loans and leases to deposits | 69.0461% | 2,665 |
| Net loans and leases to core deposits | 69.4049% | 2,918 |
| Total domestic deposits to total assets | 92.4500% | 536 |
| Equity capital to assets | 7.1883% | 3,561 |
| Core capital (leverage) ratio | 9.6338% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $182,383,000 | 3,167 |
| Average earning assets | $168,959,800 | 3,166 |
| Average equity | $14,363,000 | 3,427 |
| Average total loans | $118,515,800 | 2,940 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3573% | 3,027 |
| Cost of funding earning assets | 0.0749% | 4,459 |
| Net interest margin | 3.2824% | 2,346 |
| Noninterest income to average assets | 1.3200% | 422 |
| Noninterest expense to average assets | 2.9981% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0253% | 2,388 |
| Return on assets (ROA) | 1.0391% | 2,294 |
| Pretax return on assets | 1.3898% | 1,745 |
| Return on Equity (ROE) | 12.9200% | 1,722 |
| Retained earnings to average equity (ytd only) | 3.4856% | 3,630 |
| Net charge-offs to loans | -0.0011% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.5994% | 1,943 |
| Assets per employee ($millions) | 4.7797% | 3,855 |
| Cash dividends to net income (ytd only)* | 73.0259% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 1,990 |
| Loan loss allowance to noncurrent loans | 340.4063% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 1,852 |
| Noncurrent loans to loans | 0.3843% | 1,858 |
| Net loans and leases to total assets | 62.6400% | 2,222 |
| Net loans and leases to deposits | 67.6975% | 2,559 |
| Net loans and leases to core deposits | 68.0408% | 2,798 |
| Total domestic deposits to total assets | 92.5200% | 712 |
| Equity capital to assets | 7.0990% | 3,458 |
| Core capital (leverage) ratio | 9.5261% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $183,622,250 | 3,181 |
| Average earning assets | $170,889,000 | 3,167 |
| Average equity | $14,765,250 | 3,428 |
| Average total loans | $119,453,000 | 2,934 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2391% | 2,925 |
| Cost of funding earning assets | 0.0745% | 4,427 |
| Net interest margin | 3.1646% | 2,310 |
| Noninterest income to average assets | 1.5986% | 308 |
| Noninterest expense to average assets | 2.9443% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2003% | 1,426 |
| Return on assets (ROA) | 1.2209% | 1,348 |
| Pretax return on assets | 1.6322% | 876 |
| Return on Equity (ROE) | 14.6208% | 973 |
| Retained earnings to average equity (ytd only) | 6.2382% | 2,262 |
| Net charge-offs to loans | -0.0017% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7031% | 2,678 |
| Assets per employee ($millions) | 5.2665% | 3,459 |
| Cash dividends to net income (ytd only)* | 57.3333% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,243 |
| Loan loss allowance to noncurrent loans | 260.8997% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 1,546 |
| Noncurrent loans to loans | 0.4940% | 1,640 |
| Net loans and leases to total assets | 62.6530% | 2,050 |
| Net loans and leases to deposits | 68.1211% | 2,385 |
| Net loans and leases to core deposits | 68.4623% | 2,609 |
| Total domestic deposits to total assets | 91.9730% | 846 |
| Equity capital to assets | 7.7118% | 3,338 |
| Core capital (leverage) ratio | 9.5120% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,286,333 | 3,202 |
| Average earning assets | $171,901,333 | 3,202 |
| Average equity | $15,389,000 | 3,463 |
| Average total loans | $120,845,667 | 2,935 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1609% | 2,795 |
| Cost of funding earning assets | 0.0765% | 4,390 |
| Net interest margin | 3.0844% | 2,225 |
| Noninterest income to average assets | 2.4703% | 186 |
| Noninterest expense to average assets | 3.0565% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7023% | 410 |
| Return on assets (ROA) | 1.7366% | 382 |
| Pretax return on assets | 2.3444% | 218 |
| Return on Equity (ROE) | 20.0300% | 230 |
| Retained earnings to average equity (ytd only) | 20.0300% | 95 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0502% | 3,780 |
| Assets per employee ($millions) | 5.2781% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,591 |
| Loan loss allowance to noncurrent loans | 270.0717% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 1,702 |
| Noncurrent loans to loans | 0.4636% | 1,867 |
| Net loans and leases to total assets | 64.3332% | 1,583 |
| Net loans and leases to deposits | 70.4444% | 1,925 |
| Net loans and leases to core deposits | 70.7994% | 2,227 |
| Total domestic deposits to total assets | 91.3249% | 875 |
| Equity capital to assets | 8.4115% | 3,230 |
| Core capital (leverage) ratio | 9.5562% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,265,500 | 3,211 |
| Average earning assets | $172,480,000 | 3,204 |
| Average equity | $15,976,000 | 3,476 |
| Average total loans | $122,771,000 | 2,921 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3267% | 3,126 |
| Cost of funding earning assets | 0.1036% | 4,358 |
| Net interest margin | 3.2231% | 2,547 |
| Noninterest income to average assets | 0.8742% | 1,273 |
| Noninterest expense to average assets | 2.9175% | 1,117 |
| Loan and lease loss provision to assets | 0.1129% | 1,116 |
| Net operating income to assets | 0.6775% | 3,679 |
| Return on assets (ROA) | 0.8644% | 3,208 |
| Pretax return on assets | 1.1394% | 2,859 |
| Return on Equity (ROE) | 9.3600% | 2,772 |
| Retained earnings to average equity (ytd only) | 0.0293% | 4,476 |
| Net charge-offs to loans | 0.0160% | 1,985 |
| Credit loss provision to net charge-offs | 1,100.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 98.9474% | 888 |
| Efficiency ratio | 74.1758% | 1,282 |
| Assets per employee ($millions) | 4.8367% | 3,859 |
| Cash dividends to net income (ytd only)* | 99.6875% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,868 |
| Loan loss allowance to noncurrent loans | 188.3750% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 1,510 |
| Noncurrent loans to loans | 0.6390% | 1,559 |
| Net loans and leases to total assets | 67.2931% | 1,335 |
| Net loans and leases to deposits | 74.0433% | 1,723 |
| Net loans and leases to core deposits | 74.4198% | 2,044 |
| Total domestic deposits to total assets | 90.8834% | 536 |
| Equity capital to assets | 8.9300% | 3,700 |
| Core capital (leverage) ratio | 9.3491% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,089,600 | 3,165 |
| Average earning assets | $175,667,600 | 3,129 |
| Average equity | $17,094,000 | 3,456 |
| Average total loans | $118,415,000 | 2,963 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 3,358 |
| Cost of funding earning assets | 0.1095% | 4,427 |
| Net interest margin | 3.2019% | 2,724 |
| Noninterest income to average assets | 0.8924% | 1,275 |
| Noninterest expense to average assets | 2.8706% | 1,191 |
| Loan and lease loss provision to assets | 0.1505% | 751 |
| Net operating income to assets | 0.6849% | 3,807 |
| Return on assets (ROA) | 0.9406% | 3,200 |
| Pretax return on assets | 1.2433% | 2,793 |
| Return on Equity (ROE) | 10.1015% | 2,703 |
| Retained earnings to average equity (ytd only) | 1.2588% | 4,359 |
| Net charge-offs to loans | 0.0046% | 2,170 |
| Credit loss provision to net charge-offs | 5,225.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 379 |
| Efficiency ratio | 72.8467% | 1,329 |
| Assets per employee ($millions) | 5.1744% | 3,529 |
| Cash dividends to net income (ytd only)* | 87.5382% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,947 |
| Loan loss allowance to noncurrent loans | 183.7153% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4450% | 1,698 |
| Noncurrent loans to loans | 0.6582% | 1,670 |
| Net loans and leases to total assets | 66.8016% | 1,453 |
| Net loans and leases to deposits | 75.7837% | 1,688 |
| Net loans and leases to core deposits | 76.1757% | 2,031 |
| Total domestic deposits to total assets | 88.1478% | 1,748 |
| Equity capital to assets | 8.9737% | 3,858 |
| Core capital (leverage) ratio | 9.1830% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,413,000 | 3,199 |
| Average earning assets | $176,517,750 | 3,155 |
| Average equity | $17,264,250 | 3,486 |
| Average total loans | $116,721,500 | 3,022 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 3,313 |
| Cost of funding earning assets | 0.1185% | 4,450 |
| Net interest margin | 3.2309% | 2,663 |
| Noninterest income to average assets | 0.9334% | 1,188 |
| Noninterest expense to average assets | 2.8813% | 1,182 |
| Loan and lease loss provision to assets | 0.2269% | 465 |
| Net operating income to assets | 0.6747% | 3,819 |
| Return on assets (ROA) | 1.0587% | 2,759 |
| Pretax return on assets | 1.4045% | 2,326 |
| Return on Equity (ROE) | 11.2340% | 2,329 |
| Retained earnings to average equity (ytd only) | 10.2023% | 1,341 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5589% | 1,474 |
| Assets per employee ($millions) | 4.7345% | 3,899 |
| Cash dividends to net income (ytd only)* | 9.1837% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,824 |
| Loan loss allowance to noncurrent loans | 160.9062% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 1,630 |
| Noncurrent loans to loans | 0.7577% | 1,586 |
| Net loans and leases to total assets | 67.0041% | 1,582 |
| Net loans and leases to deposits | 76.5488% | 1,767 |
| Net loans and leases to core deposits | 76.9502% | 2,145 |
| Total domestic deposits to total assets | 87.5311% | 2,079 |
| Equity capital to assets | 9.5644% | 3,274 |
| Core capital (leverage) ratio | 9.7295% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,125,000 | 3,209 |
| Average earning assets | $177,224,333 | 3,156 |
| Average equity | $17,447,000 | 3,474 |
| Average total loans | $113,642,333 | 3,074 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2821% | 3,495 |
| Cost of funding earning assets | 0.1364% | 4,404 |
| Net interest margin | 3.1457% | 2,856 |
| Noninterest income to average assets | 1.0660% | 1,025 |
| Noninterest expense to average assets | 2.7880% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9584% | 2,939 |
| Return on assets (ROA) | 1.3897% | 1,676 |
| Pretax return on assets | 1.8601% | 1,180 |
| Return on Equity (ROE) | 14.8554% | 1,249 |
| Retained earnings to average equity (ytd only) | 14.8554% | 641 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9642% | 1,938 |
| Assets per employee ($millions) | 4.8509% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,926 |
| Loan loss allowance to noncurrent loans | 128.6133% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 1,707 |
| Noncurrent loans to loans | 0.9335% | 1,448 |
| Net loans and leases to total assets | 58.7938% | 2,708 |
| Net loans and leases to deposits | 65.0604% | 3,019 |
| Net loans and leases to core deposits | 66.4629% | 3,203 |
| Total domestic deposits to total assets | 90.3680% | 634 |
| Equity capital to assets | 9.3575% | 3,321 |
| Core capital (leverage) ratio | 9.6367% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,365,500 | 3,200 |
| Average earning assets | $178,909,000 | 3,131 |
| Average equity | $17,340,500 | 3,481 |
| Average total loans | $107,840,500 | 3,156 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 3,251 |
| Cost of funding earning assets | 0.2347% | 4,442 |
| Net interest margin | 3.5834% | 2,200 |
| Noninterest income to average assets | 1.1229% | 845 |
| Noninterest expense to average assets | 2.9905% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1668% | 1,659 |
| Return on assets (ROA) | 1.2851% | 1,390 |
| Pretax return on assets | 1.7310% | 802 |
| Return on Equity (ROE) | 12.6303% | 1,142 |
| Retained earnings to average equity (ytd only) | 3.6337% | 3,025 |
| Net charge-offs to loans | -0.0371% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4141% | 2,617 |
| Assets per employee ($millions) | 5.0378% | 3,351 |
| Cash dividends to net income (ytd only)* | 71.2303% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,734 |
| Loan loss allowance to noncurrent loans | 115.9331% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 1,734 |
| Noncurrent loans to loans | 1.0718% | 1,330 |
| Net loans and leases to total assets | 56.1543% | 3,286 |
| Net loans and leases to deposits | 62.0484% | 3,604 |
| Net loans and leases to core deposits | 63.4856% | 3,732 |
| Total domestic deposits to total assets | 90.5009% | 379 |
| Equity capital to assets | 9.3521% | 3,738 |
| Core capital (leverage) ratio | 9.4718% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,231,200 | 3,209 |
| Average earning assets | $161,913,000 | 3,149 |
| Average equity | $17,117,600 | 3,445 |
| Average total loans | $110,540,000 | 3,093 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 3,637 |
| Cost of funding earning assets | 0.2565% | 4,488 |
| Net interest margin | 3.5172% | 2,535 |
| Noninterest income to average assets | 1.2609% | 686 |
| Noninterest expense to average assets | 2.9893% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2162% | 1,589 |
| Return on assets (ROA) | 1.3790% | 1,247 |
| Pretax return on assets | 1.8620% | 691 |
| Return on Equity (ROE) | 13.2477% | 1,043 |
| Retained earnings to average equity (ytd only) | 4.7263% | 2,680 |
| Net charge-offs to loans | -0.0478% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3521% | 2,679 |
| Assets per employee ($millions) | 4.8888% | 3,387 |
| Cash dividends to net income (ytd only)* | 64.3237% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 2,831 |
| Loan loss allowance to noncurrent loans | 113.3506% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 1,812 |
| Noncurrent loans to loans | 1.0332% | 1,452 |
| Net loans and leases to total assets | 61.3950% | 3,077 |
| Net loans and leases to deposits | 68.1135% | 3,458 |
| Net loans and leases to core deposits | 69.7468% | 3,638 |
| Total domestic deposits to total assets | 90.1363% | 381 |
| Equity capital to assets | 9.6276% | 3,576 |
| Core capital (leverage) ratio | 9.8697% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,689,750 | 3,231 |
| Average earning assets | $157,506,500 | 3,176 |
| Average equity | $17,039,000 | 3,458 |
| Average total loans | $111,678,250 | 3,084 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 3,495 |
| Cost of funding earning assets | 0.2866% | 4,520 |
| Net interest margin | 3.6540% | 2,307 |
| Noninterest income to average assets | 1.2738% | 628 |
| Noninterest expense to average assets | 3.2236% | 1,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1306% | 1,876 |
| Return on assets (ROA) | 1.3826% | 1,243 |
| Pretax return on assets | 1.8727% | 705 |
| Return on Equity (ROE) | 12.9126% | 1,117 |
| Retained earnings to average equity (ytd only) | 4.7299% | 2,594 |
| Net charge-offs to loans | -0.0718% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4795% | 2,310 |
| Assets per employee ($millions) | 4.4509% | 3,847 |
| Cash dividends to net income (ytd only)* | 63.3700% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,784 |
| Loan loss allowance to noncurrent loans | 129.7830% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 2,007 |
| Noncurrent loans to loans | 0.8851% | 1,726 |
| Net loans and leases to total assets | 66.9538% | 2,503 |
| Net loans and leases to deposits | 77.0525% | 2,754 |
| Net loans and leases to core deposits | 79.1054% | 3,020 |
| Total domestic deposits to total assets | 86.8937% | 1,666 |
| Equity capital to assets | 10.1589% | 3,059 |
| Core capital (leverage) ratio | 10.4042% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,957,667 | 3,271 |
| Average earning assets | $151,451,000 | 3,210 |
| Average equity | $16,913,667 | 3,471 |
| Average total loans | $111,447,333 | 3,081 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 3,328 |
| Cost of funding earning assets | 0.2963% | 4,669 |
| Net interest margin | 3.8714% | 1,752 |
| Noninterest income to average assets | 0.6694% | 1,769 |
| Noninterest expense to average assets | 3.2920% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7725% | 3,013 |
| Return on assets (ROA) | 1.1997% | 1,635 |
| Pretax return on assets | 1.6224% | 1,005 |
| Return on Equity (ROE) | 10.8942% | 1,443 |
| Retained earnings to average equity (ytd only) | 8.5104% | 1,099 |
| Net charge-offs to loans | -0.0801% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2701% | 1,650 |
| Assets per employee ($millions) | 3.5372% | 4,449 |
| Cash dividends to net income (ytd only)* | 21.8818% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,770 |
| Loan loss allowance to noncurrent loans | 133.1282% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 1,843 |
| Noncurrent loans to loans | 0.8870% | 1,840 |
| Net loans and leases to total assets | 73.1113% | 1,765 |
| Net loans and leases to deposits | 83.0475% | 2,328 |
| Net loans and leases to core deposits | 85.5003% | 2,719 |
| Total domestic deposits to total assets | 88.0355% | 1,093 |
| Equity capital to assets | 11.4604% | 2,474 |
| Core capital (leverage) ratio | 11.0377% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,370,000 | 3,296 |
| Average earning assets | $145,785,500 | 3,228 |
| Average equity | $16,779,500 | 3,490 |
| Average total loans | $109,892,500 | 3,081 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 3,522 |
| Cost of funding earning assets | 0.2929% | 4,747 |
| Net interest margin | 4.0152% | 1,808 |
| Noninterest income to average assets | 0.6051% | 2,194 |
| Noninterest expense to average assets | 3.3805% | 1,150 |
| Loan and lease loss provision to assets | 0.0288% | 3,436 |
| Net operating income to assets | 0.7614% | 3,667 |
| Return on assets (ROA) | 0.8672% | 3,417 |
| Pretax return on assets | 1.1698% | 2,946 |
| Return on Equity (ROE) | 8.2940% | 3,042 |
| Retained earnings to average equity (ytd only) | 0.0490% | 4,678 |
| Net charge-offs to loans | 0.1368% | 1,416 |
| Credit loss provision to net charge-offs | 29.6053% | 3,273 |
| Earnings coverage of net charge-offs (x) | 10.9276% | 2,535 |
| Efficiency ratio | 76.0490% | 1,361 |
| Assets per employee ($millions) | 3.7185% | 4,252 |
| Cash dividends to net income (ytd only)* | 99.4087% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,635 |
| Loan loss allowance to noncurrent loans | 179.4655% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 2,236 |
| Noncurrent loans to loans | 0.6471% | 2,272 |
| Net loans and leases to total assets | 69.5331% | 2,471 |
| Net loans and leases to deposits | 77.9502% | 3,012 |
| Net loans and leases to core deposits | 80.0734% | 3,288 |
| Total domestic deposits to total assets | 89.2019% | 593 |
| Equity capital to assets | 10.5861% | 3,358 |
| Core capital (leverage) ratio | 10.8875% | 2,602 |
| Tier 1 risk-based capital ratio | 15.4624% | 2,592 |
| Total risk-based capital ratio | 16.6587% | 2,547 |
| Memoranda: | ||
| Average total assets | $156,011,400 | 3,232 |
| Average earning assets | $149,207,400 | 3,185 |
| Average equity | $16,313,000 | 3,519 |
| Average total loans | $111,144,400 | 3,069 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 3,474 |
| Cost of funding earning assets | 0.2942% | 4,812 |
| Net interest margin | 4.0677% | 1,708 |
| Noninterest income to average assets | 0.5651% | 2,384 |
| Noninterest expense to average assets | 3.2629% | 1,348 |
| Loan and lease loss provision to assets | 0.0385% | 3,133 |
| Net operating income to assets | 0.8534% | 3,507 |
| Return on assets (ROA) | 0.8771% | 3,505 |
| Pretax return on assets | 1.1823% | 3,036 |
| Return on Equity (ROE) | 8.4141% | 3,150 |
| Retained earnings to average equity (ytd only) | -0.8529% | 4,847 |
| Net charge-offs to loans | 0.0766% | 1,730 |
| Credit loss provision to net charge-offs | 70.3125% | 2,613 |
| Earnings coverage of net charge-offs (x) | 21.7660% | 1,898 |
| Efficiency ratio | 73.2630% | 1,663 |
| Assets per employee ($millions) | 3.5693% | 4,437 |
| Cash dividends to net income (ytd only)* | 110.1362% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,365 |
| Loan loss allowance to noncurrent loans | 189.9721% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 2,607 |
| Noncurrent loans to loans | 0.6453% | 2,343 |
| Net loans and leases to total assets | 73.3113% | 1,944 |
| Net loans and leases to deposits | 82.5560% | 2,614 |
| Net loans and leases to core deposits | 84.9109% | 3,003 |
| Total domestic deposits to total assets | 88.8019% | 689 |
| Equity capital to assets | 10.8485% | 3,250 |
| Core capital (leverage) ratio | 10.6174% | 2,997 |
| Tier 1 risk-based capital ratio | 15.2551% | 2,738 |
| Total risk-based capital ratio | 16.5056% | 2,670 |
| Memoranda: | ||
| Average total assets | $155,970,250 | 3,268 |
| Average earning assets | $149,106,250 | 3,213 |
| Average equity | $16,258,000 | 3,552 |
| Average total loans | $111,463,000 | 3,094 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 3,611 |
| Cost of funding earning assets | 0.2850% | 4,862 |
| Net interest margin | 4.0242% | 1,844 |
| Noninterest income to average assets | 0.5545% | 2,369 |
| Noninterest expense to average assets | 3.2622% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8428% | 3,499 |
| Return on assets (ROA) | 0.8418% | 3,563 |
| Pretax return on assets | 1.1342% | 3,138 |
| Return on Equity (ROE) | 8.1814% | 3,214 |
| Retained earnings to average equity (ytd only) | -5.7208% | 5,081 |
| Net charge-offs to loans | 0.1148% | 1,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.0156% | 2,065 |
| Efficiency ratio | 74.1796% | 1,622 |
| Assets per employee ($millions) | 3.6636% | 4,292 |
| Cash dividends to net income (ytd only)* | 169.9248% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 2,761 |
| Loan loss allowance to noncurrent loans | 203.8640% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 2,602 |
| Noncurrent loans to loans | 0.5673% | 2,560 |
| Net loans and leases to total assets | 73.2578% | 2,014 |
| Net loans and leases to deposits | 83.1513% | 2,587 |
| Net loans and leases to core deposits | 85.4760% | 2,998 |
| Total domestic deposits to total assets | 88.1019% | 1,055 |
| Equity capital to assets | 10.3254% | 3,671 |
| Core capital (leverage) ratio | 10.2303% | 3,357 |
| Tier 1 risk-based capital ratio | 14.3123% | 3,158 |
| Total risk-based capital ratio | 15.5059% | 3,101 |
| Memoranda: | ||
| Average total assets | $157,990,330 | 3,265 |
| Average earning assets | $150,885,330 | 3,219 |
| Average equity | $16,256,330 | 3,541 |
| Average total loans | $111,529,000 | 3,107 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 3,862 |
| Cost of funding earning assets | 0.2660% | 4,937 |
| Net interest margin | 3.9346% | 2,078 |
| Noninterest income to average assets | 0.5223% | 2,423 |
| Noninterest expense to average assets | 3.1340% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8592% | 3,408 |
| Return on assets (ROA) | 0.8572% | 3,461 |
| Pretax return on assets | 1.1571% | 2,953 |
| Return on Equity (ROE) | 8.3452% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.3452% | 1,532 |
| Net charge-offs to loans | 0.2358% | 610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.1385% | 2,151 |
| Efficiency ratio | 72.9919% | 1,885 |
| Assets per employee ($millions) | 3.7623% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,564 |
| Loan loss allowance to noncurrent loans | 237.9061% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 2,887 |
| Noncurrent loans to loans | 0.5051% | 2,798 |
| Net loans and leases to total assets | 68.5753% | 2,684 |
| Net loans and leases to deposits | 77.9495% | 3,062 |
| Net loans and leases to core deposits | 80.0372% | 3,371 |
| Total domestic deposits to total assets | 87.9740% | 1,348 |
| Equity capital to assets | 10.5141% | 3,331 |
| Core capital (leverage) ratio | 10.2994% | 3,275 |
| Tier 1 risk-based capital ratio | 15.5540% | 2,628 |
| Total risk-based capital ratio | 16.7872% | 2,553 |
| Memoranda: | ||
| Average total assets | $160,049,000 | 3,299 |
| Average earning assets | $153,408,000 | 3,229 |
| Average equity | $16,440,500 | 3,540 |
| Average total loans | $110,272,000 | 3,162 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 3,746 |
| Cost of funding earning assets | 0.2725% | 4,696 |
| Net interest margin | 3.8262% | 2,574 |
| Noninterest income to average assets | 0.5705% | 2,447 |
| Noninterest expense to average assets | 3.5366% | 953 |
| Loan and lease loss provision to assets | 0.0856% | 2,428 |
| Net operating income to assets | 0.4591% | 4,750 |
| Return on assets (ROA) | 0.4597% | 4,747 |
| Pretax return on assets | 0.6088% | 4,617 |
| Return on Equity (ROE) | 4.4522% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.2638% | 3,206 |
| Net charge-offs to loans | 0.0527% | 2,400 |
| Credit loss provision to net charge-offs | 220.0000% | 1,322 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 2,170 |
| Efficiency ratio | 83.6015% | 680 |
| Assets per employee ($millions) | 3.6018% | 4,447 |
| Cash dividends to net income (ytd only)* | 4.2313% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,312 |
| Loan loss allowance to noncurrent loans | 246.0854% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 2,884 |
| Noncurrent loans to loans | 0.5069% | 2,753 |
| Net loans and leases to total assets | 67.5479% | 2,937 |
| Net loans and leases to deposits | 76.2379% | 3,332 |
| Net loans and leases to core deposits | 78.2122% | 3,563 |
| Total domestic deposits to total assets | 88.6014% | 1,027 |
| Equity capital to assets | 10.0363% | 3,649 |
| Core capital (leverage) ratio | 10.0126% | 3,559 |
| Tier 1 risk-based capital ratio | 14.9342% | 2,857 |
| Total risk-based capital ratio | 16.1836% | 2,787 |
| Memoranda: | ||
| Average total assets | $154,244,600 | 3,342 |
| Average earning assets | $147,536,400 | 3,277 |
| Average equity | $15,924,800 | 3,519 |
| Average total loans | $113,830,800 | 3,082 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,728 |
| Cost of funding earning assets | 0.2791% | 4,639 |
| Net interest margin | 3.7918% | 2,679 |
| Noninterest income to average assets | 0.6024% | 2,295 |
| Noninterest expense to average assets | 3.4478% | 1,054 |
| Loan and lease loss provision to assets | 0.0473% | 3,042 |
| Net operating income to assets | 0.5712% | 4,584 |
| Return on assets (ROA) | 0.5726% | 4,583 |
| Pretax return on assets | 0.7363% | 4,454 |
| Return on Equity (ROE) | 5.5052% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.2526% | 3,088 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5152% | 813 |
| Assets per employee ($millions) | 4.1445% | 3,666 |
| Cash dividends to net income (ytd only)* | 4.5873% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 2,914 |
| Loan loss allowance to noncurrent loans | 211.0032% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 2,675 |
| Noncurrent loans to loans | 0.5443% | 2,748 |
| Net loans and leases to total assets | 73.1983% | 2,131 |
| Net loans and leases to deposits | 83.1359% | 2,691 |
| Net loans and leases to core deposits | 85.7553% | 3,014 |
| Total domestic deposits to total assets | 88.0466% | 1,221 |
| Equity capital to assets | 10.5246% | 3,121 |
| Core capital (leverage) ratio | 10.6110% | 2,969 |
| Tier 1 risk-based capital ratio | 14.9048% | 2,928 |
| Total risk-based capital ratio | 16.1027% | 2,865 |
| Memoranda: | ||
| Average total assets | $152,285,250 | 3,393 |
| Average earning assets | $145,680,500 | 3,337 |
| Average equity | $15,839,250 | 3,553 |
| Average total loans | $114,572,000 | 3,090 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 3,705 |
| Cost of funding earning assets | 0.1911% | 5,070 |
| Net interest margin | 3.8349% | 2,429 |
| Noninterest income to average assets | 0.7265% | 1,758 |
| Noninterest expense to average assets | 3.7437% | 715 |
| Loan and lease loss provision to assets | 0.0607% | 2,686 |
| Net operating income to assets | 0.4541% | 4,853 |
| Return on assets (ROA) | 0.4568% | 4,849 |
| Pretax return on assets | 0.5782% | 4,766 |
| Return on Equity (ROE) | 4.4954% | 4,697 |
| Retained earnings to average equity (ytd only) | 3.9978% | 3,613 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4888% | 597 |
| Assets per employee ($millions) | 3.2118% | 4,922 |
| Cash dividends to net income (ytd only)* | 11.0701% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,010 |
| Loan loss allowance to noncurrent loans | 459.4470% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 3,316 |
| Noncurrent loans to loans | 0.2492% | 3,806 |
| Net loans and leases to total assets | 72.4370% | 2,207 |
| Net loans and leases to deposits | 80.8388% | 2,868 |
| Net loans and leases to core deposits | 82.7362% | 3,185 |
| Total domestic deposits to total assets | 89.6068% | 704 |
| Equity capital to assets | 10.2569% | 3,380 |
| Core capital (leverage) ratio | 10.5114% | 3,020 |
| Tier 1 risk-based capital ratio | 14.5620% | 3,089 |
| Total risk-based capital ratio | 15.7498% | 3,033 |
| Memoranda: | ||
| Average total assets | $118,651,330 | 3,882 |
| Average earning assets | $113,014,330 | 3,829 |
| Average equity | $12,056,670 | 4,075 |
| Average total loans | $88,834,330 | 3,547 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 3,753 |
| Cost of funding earning assets | 0.1878% | 5,086 |
| Net interest margin | 3.7731% | 2,532 |
| Noninterest income to average assets | 0.7220% | 1,736 |
| Noninterest expense to average assets | 3.7214% | 737 |
| Loan and lease loss provision to assets | 0.0607% | 2,562 |
| Net operating income to assets | 0.4285% | 4,864 |
| Return on assets (ROA) | 0.4285% | 4,872 |
| Pretax return on assets | 0.5331% | 4,820 |
| Return on Equity (ROE) | 4.2367% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.2359% | 3,913 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2392% | 627 |
| Assets per employee ($millions) | 3.1919% | 5,010 |
| Cash dividends to net income (ytd only)* | 23.6220% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,376 |
| Loan loss allowance to noncurrent loans | 600.6135% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 3,544 |
| Noncurrent loans to loans | 0.1833% | 4,142 |
| Net loans and leases to total assets | 74.4871% | 1,789 |
| Net loans and leases to deposits | 83.0611% | 2,494 |
| Net loans and leases to core deposits | 86.4027% | 2,769 |
| Total domestic deposits to total assets | 89.6775% | 791 |
| Equity capital to assets | 10.1862% | 3,409 |
| Core capital (leverage) ratio | 9.5198% | 4,048 |
| Tier 1 risk-based capital ratio | 14.1874% | 3,284 |
| Total risk-based capital ratio | 15.3374% | 3,250 |
| Memoranda: | ||
| Average total assets | $118,558,500 | 3,922 |
| Average earning assets | $112,904,000 | 3,868 |
| Average equity | $11,990,500 | 4,123 |
| Average total loans | $89,712,000 | 3,548 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 3,549 |
| Cost of funding earning assets | 0.1729% | 5,138 |
| Net interest margin | 3.7832% | 2,488 |
| Noninterest income to average assets | 0.6900% | 2,006 |
| Noninterest expense to average assets | 3.7032% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3411% | 4,849 |
| Return on assets (ROA) | 0.3438% | 4,869 |
| Pretax return on assets | 0.5887% | 4,762 |
| Return on Equity (ROE) | 3.4878% | 4,690 |
| Retained earnings to average equity (ytd only) | 0.8762% | 4,680 |
| Net charge-offs to loans | 0.1834% | 1,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.2410% | 3,495 |
| Efficiency ratio | 86.3672% | 621 |
| Assets per employee ($millions) | 3.2166% | 5,014 |
| Cash dividends to net income (ytd only)* | 74.8792% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 3,537 |
| Loan loss allowance to noncurrent loans | 314.0523% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 2,715 |
| Noncurrent loans to loans | 0.3382% | 3,548 |
| Net loans and leases to total assets | 75.2117% | 1,722 |
| Net loans and leases to deposits | 83.7284% | 2,523 |
| Net loans and leases to core deposits | 86.8520% | 2,841 |
| Total domestic deposits to total assets | 89.8283% | 631 |
| Equity capital to assets | 10.0415% | 3,660 |
| Core capital (leverage) ratio | 9.5405% | 3,990 |
| Tier 1 risk-based capital ratio | 13.9841% | 3,371 |
| Total risk-based capital ratio | 15.1057% | 3,351 |
| Memoranda: | ||
| Average total assets | $120,435,200 | 3,888 |
| Average earning assets | $114,531,400 | 3,836 |
| Average equity | $11,869,800 | 4,162 |
| Average total loans | $90,521,600 | 3,516 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 3,570 |
| Cost of funding earning assets | 0.1671% | 5,214 |
| Net interest margin | 3.7695% | 2,507 |
| Noninterest income to average assets | 0.7197% | 1,910 |
| Noninterest expense to average assets | 3.6536% | 813 |
| Loan and lease loss provision to assets | 0.0397% | 3,315 |
| Net operating income to assets | 0.4470% | 4,886 |
| Return on assets (ROA) | 0.4470% | 4,915 |
| Pretax return on assets | 0.6115% | 4,820 |
| Return on Equity (ROE) | 4.5571% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.5571% | 3,183 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8718% | 696 |
| Assets per employee ($millions) | 3.3763% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,490 |
| Loan loss allowance to noncurrent loans | 193.5108% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 1,989 |
| Noncurrent loans to loans | 0.6586% | 2,726 |
| Net loans and leases to total assets | 76.2349% | 1,551 |
| Net loans and leases to deposits | 85.2175% | 2,407 |
| Net loans and leases to core deposits | 89.1994% | 2,677 |
| Total domestic deposits to total assets | 89.4592% | 671 |
| Equity capital to assets | 10.4046% | 3,473 |
| Core capital (leverage) ratio | 10.5025% | 2,983 |
| Tier 1 risk-based capital ratio | 13.9772% | 3,449 |
| Total risk-based capital ratio | 15.2275% | 3,374 |
| Memoranda: | ||
| Average total assets | $120,790,000 | 3,921 |
| Average earning assets | $114,884,250 | 3,869 |
| Average equity | $11,849,500 | 4,205 |
| Average total loans | $90,533,250 | 3,552 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 3,574 |
| Cost of funding earning assets | 0.1488% | 5,344 |
| Net interest margin | 3.7435% | 2,499 |
| Noninterest income to average assets | 0.6954% | 2,008 |
| Noninterest expense to average assets | 3.6132% | 855 |
| Loan and lease loss provision to assets | 0.0592% | 2,787 |
| Net operating income to assets | 0.4241% | 4,917 |
| Return on assets (ROA) | 0.4241% | 4,944 |
| Pretax return on assets | 0.5786% | 4,845 |
| Return on Equity (ROE) | 4.4099% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.4099% | 3,083 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9961% | 762 |
| Assets per employee ($millions) | 3.1786% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,535 |
| Loan loss allowance to noncurrent loans | 191.9142% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 1,958 |
| Noncurrent loans to loans | 0.6651% | 2,756 |
| Net loans and leases to total assets | 76.4818% | 1,469 |
| Net loans and leases to deposits | 85.2160% | 2,323 |
| Net loans and leases to core deposits | 89.2014% | 2,598 |
| Total domestic deposits to total assets | 89.7506% | 620 |
| Equity capital to assets | 10.0921% | 3,806 |
| Core capital (leverage) ratio | 10.1448% | 3,345 |
| Tier 1 risk-based capital ratio | 13.8754% | 3,487 |
| Total risk-based capital ratio | 15.1257% | 3,414 |
| Memoranda: | ||
| Average total assets | $121,663,670 | 3,938 |
| Average earning assets | $115,561,000 | 3,886 |
| Average equity | $11,701,000 | 4,242 |
| Average total loans | $90,294,670 | 3,571 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 3,828 |
| Cost of funding earning assets | 0.1396% | 5,443 |
| Net interest margin | 3.6406% | 2,737 |
| Noninterest income to average assets | 0.7923% | 1,584 |
| Noninterest expense to average assets | 3.5540% | 969 |
| Loan and lease loss provision to assets | 0.0582% | 2,642 |
| Net operating income to assets | 0.4495% | 4,780 |
| Return on assets (ROA) | 0.4495% | 4,801 |
| Pretax return on assets | 0.6371% | 4,636 |
| Return on Equity (ROE) | 4.7861% | 4,490 |
| Retained earnings to average equity (ytd only) | 4.7861% | 3,021 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6377% | 1,003 |
| Assets per employee ($millions) | 3.1888% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,721 |
| Loan loss allowance to noncurrent loans | 319.8324% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 2,198 |
| Noncurrent loans to loans | 0.3955% | 3,682 |
| Net loans and leases to total assets | 73.7592% | 1,784 |
| Net loans and leases to deposits | 81.7729% | 2,540 |
| Net loans and leases to core deposits | 82.5783% | 3,033 |
| Total domestic deposits to total assets | 90.2000% | 576 |
| Equity capital to assets | 9.6712% | 4,101 |
| Core capital (leverage) ratio | 9.4034% | 4,230 |
| Tier 1 risk-based capital ratio | 13.9011% | 3,540 |
| Total risk-based capital ratio | 15.1521% | 3,450 |
| Memoranda: | ||
| Average total assets | $123,692,000 | 3,936 |
| Average earning assets | $117,453,500 | 3,883 |
| Average equity | $11,617,000 | 4,282 |
| Average total loans | $89,886,500 | 3,600 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,238 |
| Cost of funding earning assets | 0.1528% | 5,407 |
| Net interest margin | 3.8340% | 2,191 |
| Noninterest income to average assets | 0.8086% | 1,719 |
| Noninterest expense to average assets | 3.8425% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4131% | 4,897 |
| Return on assets (ROA) | 0.4583% | 4,855 |
| Pretax return on assets | 0.6372% | 4,686 |
| Return on Equity (ROE) | 4.7388% | 4,545 |
| Retained earnings to average equity (ytd only) | 3.0093% | 3,760 |
| Net charge-offs to loans | 0.5517% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.3577% | 3,996 |
| Efficiency ratio | 86.9936% | 755 |
| Assets per employee ($millions) | 3.4111% | 4,886 |
| Cash dividends to net income (ytd only)* | 36.4964% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,744 |
| Loan loss allowance to noncurrent loans | 307.9235% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 1,947 |
| Noncurrent loans to loans | 0.4101% | 3,677 |
| Net loans and leases to total assets | 69.8233% | 2,509 |
| Net loans and leases to deposits | 77.1461% | 3,195 |
| Net loans and leases to core deposits | 77.6669% | 3,594 |
| Total domestic deposits to total assets | 90.5079% | 448 |
| Equity capital to assets | 9.1237% | 4,679 |
| Core capital (leverage) ratio | 9.7599% | 3,796 |
| Tier 1 risk-based capital ratio | 13.6350% | 3,684 |
| Total risk-based capital ratio | 14.8850% | 3,587 |
| Memoranda: | ||
| Average total assets | $119,584,400 | 4,007 |
| Average earning assets | $112,546,000 | 3,960 |
| Average equity | $11,564,200 | 4,327 |
| Average total loans | $91,716,000 | 3,544 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 3,007 |
| Cost of funding earning assets | 0.1563% | 5,440 |
| Net interest margin | 3.9026% | 1,971 |
| Noninterest income to average assets | 0.8287% | 1,652 |
| Noninterest expense to average assets | 3.5331% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6606% | 4,033 |
| Return on assets (ROA) | 0.7191% | 3,885 |
| Pretax return on assets | 1.0492% | 3,431 |
| Return on Equity (ROE) | 7.3250% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.3250% | 1,472 |
| Net charge-offs to loans | 0.5444% | 387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.2626% | 3,595 |
| Efficiency ratio | 78.5571% | 1,607 |
| Assets per employee ($millions) | 2.8782% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 2,360 |
| Loan loss allowance to noncurrent loans | 171.3506% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 1,920 |
| Noncurrent loans to loans | 0.7966% | 2,676 |
| Net loans and leases to total assets | 76.9100% | 1,379 |
| Net loans and leases to deposits | 85.9722% | 2,261 |
| Net loans and leases to core deposits | 86.6006% | 2,896 |
| Total domestic deposits to total assets | 89.4592% | 692 |
| Equity capital to assets | 10.1222% | 4,009 |
| Core capital (leverage) ratio | 10.0630% | 3,491 |
| Tier 1 risk-based capital ratio | 13.9559% | 3,581 |
| Total risk-based capital ratio | 15.2080% | 3,503 |
| Memoranda: | ||
| Average total assets | $117,928,000 | 4,056 |
| Average earning assets | $110,863,000 | 4,014 |
| Average equity | $11,576,500 | 4,361 |
| Average total loans | $92,332,250 | 3,542 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 3,204 |
| Cost of funding earning assets | 0.1578% | 5,495 |
| Net interest margin | 3.8526% | 2,125 |
| Noninterest income to average assets | 0.8111% | 1,669 |
| Noninterest expense to average assets | 3.5210% | 1,129 |
| Loan and lease loss provision to assets | 0.2428% | 812 |
| Net operating income to assets | 0.4807% | 4,759 |
| Return on assets (ROA) | 0.5244% | 4,712 |
| Pretax return on assets | 0.7302% | 4,531 |
| Return on Equity (ROE) | 5.1178% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.1178% | 2,655 |
| Net charge-offs to loans | 0.7767% | 261 |
| Credit loss provision to net charge-offs | 40.1114% | 2,764 |
| Earnings coverage of net charge-offs (x) | 1.5070% | 3,403 |
| Efficiency ratio | 79.4218% | 1,573 |
| Assets per employee ($millions) | 2.9209% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 5,348 |
| Loan loss allowance to noncurrent loans | 98.6264% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 2,028 |
| Noncurrent loans to loans | 0.7808% | 2,797 |
| Net loans and leases to total assets | 77.2539% | 1,296 |
| Net loans and leases to deposits | 86.4960% | 2,187 |
| Net loans and leases to core deposits | 87.1183% | 2,803 |
| Total domestic deposits to total assets | 89.3150% | 755 |
| Equity capital to assets | 10.3151% | 3,841 |
| Core capital (leverage) ratio | 10.3309% | 3,158 |
| Tier 1 risk-based capital ratio | 9.8620% | 5,886 |
| Total risk-based capital ratio | 10.4387% | 5,980 |
| Memoranda: | ||
| Average total assets | $118,601,670 | 4,074 |
| Average earning assets | $111,510,330 | 4,031 |
| Average equity | $12,153,670 | 4,294 |
| Average total loans | $92,437,670 | 3,557 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,283 |
| Cost of funding earning assets | 0.1620% | 5,531 |
| Net interest margin | 3.8192% | 2,225 |
| Noninterest income to average assets | 0.7388% | 1,864 |
| Noninterest expense to average assets | 3.6399% | 971 |
| Loan and lease loss provision to assets | 0.1830% | 1,092 |
| Net operating income to assets | 0.3963% | 5,008 |
| Return on assets (ROA) | 0.4914% | 4,765 |
| Pretax return on assets | 0.6338% | 4,719 |
| Return on Equity (ROE) | 4.8117% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.8117% | 3,059 |
| Net charge-offs to loans | 1.5559% | 114 |
| Credit loss provision to net charge-offs | 15.0838% | 2,326 |
| Earnings coverage of net charge-offs (x) | 0.5726% | 2,915 |
| Efficiency ratio | 83.9719% | 1,158 |
| Assets per employee ($millions) | 2.9385% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6910% | 5,612 |
| Loan loss allowance to noncurrent loans | 52.8571% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 1,440 |
| Noncurrent loans to loans | 1.3072% | 1,837 |
| Net loans and leases to total assets | 76.9134% | 1,263 |
| Net loans and leases to deposits | 85.9909% | 2,063 |
| Net loans and leases to core deposits | 88.0701% | 2,558 |
| Total domestic deposits to total assets | 89.4436% | 862 |
| Equity capital to assets | 10.3318% | 3,706 |
| Core capital (leverage) ratio | 10.2932% | 3,202 |
| Tier 1 risk-based capital ratio | 13.8051% | 3,809 |
| Total risk-based capital ratio | 14.5251% | 4,036 |
| Memoranda: | ||
| Average total assets | $118,024,000 | 4,119 |
| Average earning assets | $111,122,500 | 4,069 |
| Average equity | $12,054,000 | 4,324 |
| Average total loans | $92,039,000 | 3,572 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 3,514 |
| Cost of funding earning assets | 0.1788% | 5,470 |
| Net interest margin | 3.7738% | 2,464 |
| Noninterest income to average assets | 0.8257% | 1,689 |
| Noninterest expense to average assets | 4.1232% | 587 |
| Loan and lease loss provision to assets | 0.0623% | 3,054 |
| Net operating income to assets | 0.1787% | 5,627 |
| Return on assets (ROA) | 0.4989% | 4,793 |
| Pretax return on assets | 0.5507% | 4,989 |
| Return on Equity (ROE) | 4.8582% | 4,574 |
| Retained earnings to average equity (ytd only) | 2.1218% | 4,511 |
| Net charge-offs to loans | 0.0980% | 2,441 |
| Credit loss provision to net charge-offs | 86.7470% | 2,819 |
| Earnings coverage of net charge-offs (x) | 3.6386% | 3,687 |
| Efficiency ratio | 94.0446% | 483 |
| Assets per employee ($millions) | 3.0387% | 5,489 |
| Cash dividends to net income (ytd only)* | 56.3258% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 4,594 |
| Loan loss allowance to noncurrent loans | 46.2568% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 2.0083% | 873 |
| Noncurrent loans to loans | 2.1678% | 931 |
| Net loans and leases to total assets | 77.7264% | 1,159 |
| Net loans and leases to deposits | 86.6627% | 2,042 |
| Net loans and leases to core deposits | 88.4077% | 2,565 |
| Total domestic deposits to total assets | 89.6885% | 758 |
| Equity capital to assets | 10.0955% | 3,863 |
| Core capital (leverage) ratio | 10.1841% | 3,281 |
| Tier 1 risk-based capital ratio | 13.4052% | 4,054 |
| Total risk-based capital ratio | 14.4548% | 4,097 |
| Memoranda: | ||
| Average total assets | $115,661,200 | 4,142 |
| Average earning assets | $109,067,600 | 4,079 |
| Average equity | $11,876,800 | 4,330 |
| Average total loans | $84,732,600 | 3,709 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,694 |
| Cost of funding earning assets | 0.1834% | 5,520 |
| Net interest margin | 3.7343% | 2,632 |
| Noninterest income to average assets | 0.8537% | 1,607 |
| Noninterest expense to average assets | 3.8427% | 803 |
| Loan and lease loss provision to assets | 0.0626% | 2,931 |
| Net operating income to assets | 0.3410% | 5,343 |
| Return on assets (ROA) | 0.6809% | 4,103 |
| Pretax return on assets | 0.9395% | 3,847 |
| Return on Equity (ROE) | 6.6019% | 3,834 |
| Retained earnings to average equity (ytd only) | 2.9466% | 4,353 |
| Net charge-offs to loans | 0.0661% | 2,631 |
| Credit loss provision to net charge-offs | 131.7073% | 1,860 |
| Earnings coverage of net charge-offs (x) | 11.1454% | 2,525 |
| Efficiency ratio | 87.8780% | 847 |
| Assets per employee ($millions) | 5.5234% | 1,768 |
| Cash dividends to net income (ytd only)* | 55.3657% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 4,373 |
| Loan loss allowance to noncurrent loans | 42.1586% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 2.2958% | 800 |
| Noncurrent loans to loans | 2.5449% | 797 |
| Net loans and leases to total assets | 76.0742% | 1,379 |
| Net loans and leases to deposits | 85.1499% | 2,259 |
| Net loans and leases to core deposits | 86.9000% | 2,763 |
| Total domestic deposits to total assets | 89.3415% | 845 |
| Equity capital to assets | 10.3050% | 3,808 |
| Core capital (leverage) ratio | 10.4413% | 3,117 |
| Tier 1 risk-based capital ratio | 13.9650% | 3,863 |
| Total risk-based capital ratio | 15.0857% | 3,889 |
| Memoranda: | ||
| Average total assets | $114,949,500 | 4,198 |
| Average earning assets | $108,325,250 | 4,137 |
| Average equity | $11,855,000 | 4,380 |
| Average total loans | $82,654,500 | 3,788 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,753 |
| Cost of funding earning assets | 0.1872% | 5,552 |
| Net interest margin | 3.6968% | 2,722 |
| Noninterest income to average assets | 0.8813% | 1,502 |
| Noninterest expense to average assets | 3.8394% | 826 |
| Loan and lease loss provision to assets | 0.0628% | 2,859 |
| Net operating income to assets | 0.3531% | 5,289 |
| Return on assets (ROA) | 0.5654% | 4,598 |
| Pretax return on assets | 0.7365% | 4,537 |
| Return on Equity (ROE) | 5.4812% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.5207% | 4,448 |
| Net charge-offs to loans | 0.1044% | 1,962 |
| Credit loss provision to net charge-offs | 85.7143% | 2,264 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 2,703 |
| Efficiency ratio | 88.0000% | 908 |
| Assets per employee ($millions) | 2.8740% | 5,739 |
| Cash dividends to net income (ytd only)* | 54.0123% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 4,070 |
| Loan loss allowance to noncurrent loans | 47.9795% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.1929% | 962 |
| Noncurrent loans to loans | 2.4007% | 952 |
| Net loans and leases to total assets | 70.0209% | 2,312 |
| Net loans and leases to deposits | 78.3043% | 2,990 |
| Net loans and leases to core deposits | 79.7274% | 3,421 |
| Total domestic deposits to total assets | 89.4215% | 938 |
| Equity capital to assets | 10.2844% | 3,706 |
| Core capital (leverage) ratio | 10.3935% | 3,090 |
| Tier 1 risk-based capital ratio | 15.2322% | 3,233 |
| Total risk-based capital ratio | 16.4417% | 3,189 |
| Memoranda: | ||
| Average total assets | $114,602,000 | 4,242 |
| Average earning assets | $107,930,670 | 4,187 |
| Average equity | $11,822,330 | 4,411 |
| Average total loans | $80,473,670 | 3,859 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,735 |
| Cost of funding earning assets | 0.1923% | 5,577 |
| Net interest margin | 3.6799% | 2,699 |
| Noninterest income to average assets | 0.7411% | 1,956 |
| Noninterest expense to average assets | 3.8139% | 863 |
| Loan and lease loss provision to assets | 0.0629% | 2,668 |
| Net operating income to assets | 0.2990% | 5,424 |
| Return on assets (ROA) | 0.7796% | 3,499 |
| Pretax return on assets | 0.8949% | 3,912 |
| Return on Equity (ROE) | 7.5453% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.1617% | 3,508 |
| Net charge-offs to loans | 0.1700% | 1,257 |
| Credit loss provision to net charge-offs | 52.9412% | 2,073 |
| Earnings coverage of net charge-offs (x) | 3.4118% | 2,607 |
| Efficiency ratio | 90.3894% | 824 |
| Assets per employee ($millions) | 2.8547% | 5,823 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 4,204 |
| Loan loss allowance to noncurrent loans | 43.7588% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 2.6448% | 783 |
| Noncurrent loans to loans | 2.6511% | 896 |
| Net loans and leases to total assets | 69.3155% | 2,233 |
| Net loans and leases to deposits | 77.6391% | 2,856 |
| Net loans and leases to core deposits | 79.3722% | 3,240 |
| Total domestic deposits to total assets | 89.2791% | 1,101 |
| Equity capital to assets | 10.4065% | 3,639 |
| Core capital (leverage) ratio | 10.3735% | 3,130 |
| Tier 1 risk-based capital ratio | 15.3807% | 3,206 |
| Total risk-based capital ratio | 16.5929% | 3,163 |
| Memoranda: | ||
| Average total assets | $114,423,000 | 4,281 |
| Average earning assets | $108,154,500 | 4,212 |
| Average equity | $11,822,000 | 4,446 |
| Average total loans | $79,993,500 | 3,887 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 4,363 |
| Cost of funding earning assets | 0.2103% | 5,661 |
| Net interest margin | 3.6279% | 3,299 |
| Noninterest income to average assets | 0.7956% | 1,894 |
| Noninterest expense to average assets | 3.4833% | 1,518 |
| Loan and lease loss provision to assets | 0.2817% | 752 |
| Net operating income to assets | 0.4216% | 5,145 |
| Return on assets (ROA) | 0.4845% | 4,961 |
| Pretax return on assets | 0.5226% | 5,191 |
| Return on Equity (ROE) | 4.7486% | 4,785 |
| Retained earnings to average equity (ytd only) | 0.8835% | 5,384 |
| Net charge-offs to loans | 0.4125% | 1,035 |
| Credit loss provision to net charge-offs | 106.2092% | 2,255 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 4,063 |
| Efficiency ratio | 82.5426% | 1,594 |
| Assets per employee ($millions) | 2.8665% | 5,869 |
| Cash dividends to net income (ytd only)* | 81.3953% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 4,119 |
| Loan loss allowance to noncurrent loans | 42.5225% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 2.5336% | 907 |
| Noncurrent loans to loans | 2.7782% | 857 |
| Net loans and leases to total assets | 68.8692% | 2,419 |
| Net loans and leases to deposits | 76.9772% | 3,089 |
| Net loans and leases to core deposits | 78.1002% | 3,508 |
| Total domestic deposits to total assets | 89.4669% | 986 |
| Equity capital to assets | 10.2575% | 3,780 |
| Core capital (leverage) ratio | 10.1884% | 3,323 |
| Tier 1 risk-based capital ratio | 13.9828% | 4,108 |
| Total risk-based capital ratio | 15.1144% | 4,134 |
| Memoranda: | ||
| Average total assets | $115,378,800 | 4,268 |
| Average earning assets | $108,904,600 | 4,207 |
| Average equity | $11,772,000 | 4,407 |
| Average total loans | $74,181,400 | 4,051 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7915% | 4,571 |
| Cost of funding earning assets | 0.2139% | 5,724 |
| Net interest margin | 3.5776% | 3,519 |
| Noninterest income to average assets | 0.8169% | 1,827 |
| Noninterest expense to average assets | 3.4890% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5852% | 4,507 |
| Return on assets (ROA) | 0.6034% | 4,519 |
| Pretax return on assets | 0.7269% | 4,600 |
| Return on Equity (ROE) | 5.9222% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.3178% | 4,257 |
| Net charge-offs to loans | 0.2676% | 1,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.1850% | 3,517 |
| Efficiency ratio | 83.1912% | 1,476 |
| Assets per employee ($millions) | 2.8621% | 5,900 |
| Cash dividends to net income (ytd only)* | 43.9769% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 5,239 |
| Loan loss allowance to noncurrent loans | 58.0910% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.7854% | 1,675 |
| Noncurrent loans to loans | 1.7141% | 1,897 |
| Net loans and leases to total assets | 67.6552% | 2,592 |
| Net loans and leases to deposits | 75.6966% | 3,216 |
| Net loans and leases to core deposits | 75.8827% | 3,759 |
| Total domestic deposits to total assets | 89.3768% | 1,039 |
| Equity capital to assets | 10.4337% | 3,643 |
| Core capital (leverage) ratio | 10.4555% | 3,095 |
| Tier 1 risk-based capital ratio | 14.7266% | 3,747 |
| Total risk-based capital ratio | 15.6946% | 3,864 |
| Memoranda: | ||
| Average total assets | $115,559,000 | 4,309 |
| Average earning assets | $109,082,250 | 4,242 |
| Average equity | $11,774,750 | 4,429 |
| Average total loans | $72,749,750 | 4,129 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,834 |
| Cost of funding earning assets | 0.2216% | 5,734 |
| Net interest margin | 3.4866% | 3,832 |
| Noninterest income to average assets | 0.7730% | 1,946 |
| Noninterest expense to average assets | 3.4611% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5036% | 4,796 |
| Return on assets (ROA) | 0.5297% | 4,781 |
| Pretax return on assets | 0.6280% | 4,857 |
| Return on Equity (ROE) | 5.2398% | 4,559 |
| Retained earnings to average equity (ytd only) | 3.0210% | 4,285 |
| Net charge-offs to loans | 0.0959% | 2,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.1765% | 2,275 |
| Efficiency ratio | 85.2891% | 1,345 |
| Assets per employee ($millions) | 2.9284% | 5,859 |
| Cash dividends to net income (ytd only)* | 42.3453% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 4,402 |
| Loan loss allowance to noncurrent loans | 50.3106% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 1,653 |
| Noncurrent loans to loans | 2.3940% | 1,326 |
| Net loans and leases to total assets | 63.9923% | 3,076 |
| Net loans and leases to deposits | 71.5509% | 3,630 |
| Net loans and leases to core deposits | 71.7272% | 4,076 |
| Total domestic deposits to total assets | 89.4360% | 1,133 |
| Equity capital to assets | 10.3346% | 3,643 |
| Core capital (leverage) ratio | 10.4006% | 3,080 |
| Tier 1 risk-based capital ratio | 15.1751% | 3,538 |
| Total risk-based capital ratio | 16.3271% | 3,533 |
| Memoranda: | ||
| Average total assets | $115,917,000 | 4,333 |
| Average earning assets | $109,216,670 | 4,260 |
| Average equity | $11,718,000 | 4,450 |
| Average total loans | $70,921,670 | 4,204 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 5,092 |
| Cost of funding earning assets | 0.2253% | 5,793 |
| Net interest margin | 3.3984% | 4,121 |
| Noninterest income to average assets | 0.7365% | 2,007 |
| Noninterest expense to average assets | 3.4837% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3895% | 5,156 |
| Return on assets (ROA) | 0.4419% | 5,028 |
| Pretax return on assets | 0.5173% | 5,115 |
| Return on Equity (ROE) | 4.4195% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.4195% | 3,471 |
| Net charge-offs to loans | 0.0403% | 2,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,392 |
| Efficiency ratio | 88.4348% | 1,185 |
| Assets per employee ($millions) | 2.8845% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 3,971 |
| Loan loss allowance to noncurrent loans | 44.9559% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.1191% | 1,579 |
| Noncurrent loans to loans | 2.9533% | 1,091 |
| Net loans and leases to total assets | 59.1316% | 3,680 |
| Net loans and leases to deposits | 65.9871% | 4,098 |
| Net loans and leases to core deposits | 66.1470% | 4,475 |
| Total domestic deposits to total assets | 89.6109% | 1,303 |
| Equity capital to assets | 10.1031% | 3,722 |
| Core capital (leverage) ratio | 10.3952% | 3,049 |
| Tier 1 risk-based capital ratio | 15.6890% | 3,341 |
| Total risk-based capital ratio | 16.9213% | 3,312 |
| Memoranda: | ||
| Average total assets | $116,771,000 | 4,344 |
| Average earning assets | $110,052,000 | 4,271 |
| Average equity | $11,675,500 | 4,474 |
| Average total loans | $69,394,500 | 4,285 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 5,225 |
| Cost of funding earning assets | 0.2677% | 5,851 |
| Net interest margin | 3.4008% | 4,269 |
| Noninterest income to average assets | 0.8740% | 1,772 |
| Noninterest expense to average assets | 3.4996% | 1,651 |
| Loan and lease loss provision to assets | 0.0095% | 4,933 |
| Net operating income to assets | 0.5392% | 4,561 |
| Return on assets (ROA) | 0.5645% | 4,547 |
| Pretax return on assets | 0.5974% | 4,883 |
| Return on Equity (ROE) | 5.6572% | 4,299 |
| Retained earnings to average equity (ytd only) | -0.3389% | 5,943 |
| Net charge-offs to loans | 0.0593% | 4,391 |
| Credit loss provision to net charge-offs | 27.5000% | 4,301 |
| Earnings coverage of net charge-offs (x) | 16.7250% | 1,777 |
| Efficiency ratio | 85.7811% | 1,433 |
| Assets per employee ($millions) | 3.0298% | 5,786 |
| Cash dividends to net income (ytd only)* | 105.9908% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 3,992 |
| Loan loss allowance to noncurrent loans | 78.1250% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 2,769 |
| Noncurrent loans to loans | 1.7001% | 2,361 |
| Net loans and leases to total assets | 58.1574% | 4,013 |
| Net loans and leases to deposits | 64.9417% | 4,418 |
| Net loans and leases to core deposits | 65.0961% | 4,768 |
| Total domestic deposits to total assets | 89.5533% | 1,298 |
| Equity capital to assets | 9.8966% | 3,905 |
| Core capital (leverage) ratio | 10.4474% | 2,967 |
| Tier 1 risk-based capital ratio | 16.0414% | 3,075 |
| Total risk-based capital ratio | 17.2829% | 3,035 |
| Memoranda: | ||
| Average total assets | $115,328,200 | 4,377 |
| Average earning assets | $108,709,000 | 4,292 |
| Average equity | $11,507,400 | 4,543 |
| Average total loans | $67,491,800 | 4,357 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 5,177 |
| Cost of funding earning assets | 0.2763% | 5,918 |
| Net interest margin | 3.4214% | 4,199 |
| Noninterest income to average assets | 0.9155% | 1,704 |
| Noninterest expense to average assets | 3.3176% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7468% | 3,616 |
| Return on assets (ROA) | 0.7468% | 3,743 |
| Pretax return on assets | 0.8247% | 4,203 |
| Return on Equity (ROE) | 7.4688% | 3,399 |
| Retained earnings to average equity (ytd only) | 3.3970% | 4,271 |
| Net charge-offs to loans | 0.0797% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.7257% | 1,718 |
| Efficiency ratio | 80.0899% | 2,082 |
| Assets per employee ($millions) | 2.8976% | 6,014 |
| Cash dividends to net income (ytd only)* | 54.5176% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 4,185 |
| Loan loss allowance to noncurrent loans | 74.7954% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.4548% | 2,766 |
| Noncurrent loans to loans | 1.7945% | 2,505 |
| Net loans and leases to total assets | 59.4512% | 3,785 |
| Net loans and leases to deposits | 66.3808% | 4,257 |
| Net loans and leases to core deposits | 66.5458% | 4,663 |
| Total domestic deposits to total assets | 89.5608% | 1,252 |
| Equity capital to assets | 10.0764% | 3,798 |
| Core capital (leverage) ratio | 10.3099% | 3,229 |
| Tier 1 risk-based capital ratio | 16.3110% | 3,027 |
| Total risk-based capital ratio | 17.5613% | 2,992 |
| Memoranda: | ||
| Average total assets | $114,619,750 | 4,438 |
| Average earning assets | $108,100,500 | 4,353 |
| Average equity | $11,460,750 | 4,594 |
| Average total loans | $66,953,500 | 4,410 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 5,154 |
| Cost of funding earning assets | 0.2823% | 5,968 |
| Net interest margin | 3.4133% | 4,146 |
| Noninterest income to average assets | 0.9396% | 1,687 |
| Noninterest expense to average assets | 3.2720% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8562% | 3,015 |
| Return on assets (ROA) | 0.8562% | 3,162 |
| Pretax return on assets | 0.8805% | 3,980 |
| Return on Equity (ROE) | 8.5849% | 2,802 |
| Retained earnings to average equity (ytd only) | 2.4901% | 4,716 |
| Net charge-offs to loans | -0.3215% | 6,772 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7955% | 2,336 |
| Assets per employee ($millions) | 2.7756% | 6,189 |
| Cash dividends to net income (ytd only)* | 70.9939% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 3,157 |
| Loan loss allowance to noncurrent loans | 81.4275% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.5325% | 2,808 |
| Noncurrent loans to loans | 1.9667% | 2,437 |
| Net loans and leases to total assets | 57.2865% | 4,098 |
| Net loans and leases to deposits | 63.8949% | 4,523 |
| Net loans and leases to core deposits | 63.8949% | 4,904 |
| Total domestic deposits to total assets | 89.6573% | 1,230 |
| Equity capital to assets | 10.0264% | 3,883 |
| Core capital (leverage) ratio | 10.1297% | 3,321 |
| Tier 1 risk-based capital ratio | 16.3914% | 2,990 |
| Total risk-based capital ratio | 17.6441% | 2,949 |
| Memoranda: | ||
| Average total assets | $115,157,330 | 4,458 |
| Average earning assets | $108,398,330 | 4,376 |
| Average equity | $11,485,330 | 4,628 |
| Average total loans | $66,572,000 | 4,444 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 5,381 |
| Cost of funding earning assets | 0.2931% | 6,022 |
| Net interest margin | 3.3298% | 4,402 |
| Noninterest income to average assets | 0.8944% | 1,777 |
| Noninterest expense to average assets | 3.4117% | 1,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4558% | 4,887 |
| Return on assets (ROA) | 0.4558% | 5,048 |
| Pretax return on assets | 0.6216% | 4,869 |
| Return on Equity (ROE) | 4.5821% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.5821% | 3,488 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5890% | 1,692 |
| Assets per employee ($millions) | 2.8661% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 4,021 |
| Loan loss allowance to noncurrent loans | 57.0574% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.8894% | 2,489 |
| Noncurrent loans to loans | 2.5390% | 2,035 |
| Net loans and leases to total assets | 56.6101% | 3,989 |
| Net loans and leases to deposits | 63.2316% | 4,391 |
| Net loans and leases to core deposits | 63.3866% | 4,804 |
| Total domestic deposits to total assets | 89.5283% | 1,342 |
| Equity capital to assets | 10.1071% | 4,009 |
| Core capital (leverage) ratio | 9.9992% | 3,380 |
| Tier 1 risk-based capital ratio | 16.4835% | 3,011 |
| Total risk-based capital ratio | 17.7344% | 2,968 |
| Memoranda: | ||
| Average total assets | $115,836,000 | 4,486 |
| Average earning assets | $109,196,000 | 4,391 |
| Average equity | $11,523,000 | 4,668 |
| Average total loans | $66,731,500 | 4,462 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 5,379 |
| Cost of funding earning assets | 0.3969% | 5,941 |
| Net interest margin | 3.5826% | 4,173 |
| Noninterest income to average assets | 1.0762% | 1,346 |
| Noninterest expense to average assets | 3.8608% | 1,150 |
| Loan and lease loss provision to assets | 0.4377% | 1,453 |
| Net operating income to assets | 0.1056% | 6,003 |
| Return on assets (ROA) | 0.6675% | 4,167 |
| Pretax return on assets | 0.7776% | 4,378 |
| Return on Equity (ROE) | 6.4869% | 3,921 |
| Retained earnings to average equity (ytd only) | 1.3094% | 5,214 |
| Net charge-offs to loans | 0.7124% | 1,653 |
| Credit loss provision to net charge-offs | 102.2634% | 2,946 |
| Earnings coverage of net charge-offs (x) | 1.3128% | 4,809 |
| Efficiency ratio | 87.2959% | 1,301 |
| Assets per employee ($millions) | 2.9258% | 6,120 |
| Cash dividends to net income (ytd only)* | 79.8153% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 4,124 |
| Loan loss allowance to noncurrent loans | 60.7257% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.7645% | 2,757 |
| Noncurrent loans to loans | 2.3236% | 2,314 |
| Net loans and leases to total assets | 56.9563% | 4,127 |
| Net loans and leases to deposits | 63.3407% | 4,623 |
| Net loans and leases to core deposits | 63.6553% | 4,999 |
| Total domestic deposits to total assets | 89.9205% | 991 |
| Equity capital to assets | 9.7915% | 4,462 |
| Core capital (leverage) ratio | 9.7559% | 3,716 |
| Tier 1 risk-based capital ratio | 16.1156% | 3,095 |
| Total risk-based capital ratio | 17.3601% | 3,054 |
| Memoranda: | ||
| Average total assets | $113,550,400 | 4,508 |
| Average earning assets | $106,068,000 | 4,447 |
| Average equity | $11,685,000 | 4,637 |
| Average total loans | $68,216,400 | 4,416 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 5,299 |
| Cost of funding earning assets | 0.4188% | 5,998 |
| Net interest margin | 3.6484% | 4,011 |
| Noninterest income to average assets | 1.0389% | 1,401 |
| Noninterest expense to average assets | 3.8125% | 1,188 |
| Loan and lease loss provision to assets | 0.4319% | 1,467 |
| Net operating income to assets | 0.1784% | 5,973 |
| Return on assets (ROA) | 0.9229% | 3,090 |
| Pretax return on assets | 1.0330% | 3,593 |
| Return on Equity (ROE) | 8.8572% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.1667% | 3,242 |
| Net charge-offs to loans | 0.6143% | 1,793 |
| Credit loss provision to net charge-offs | 115.8730% | 2,509 |
| Earnings coverage of net charge-offs (x) | 1.6857% | 4,428 |
| Efficiency ratio | 85.8513% | 1,392 |
| Assets per employee ($millions) | 2.9415% | 6,147 |
| Cash dividends to net income (ytd only)* | 41.6666% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 4,000 |
| Loan loss allowance to noncurrent loans | 46.1646% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 3.2358% | 1,583 |
| Noncurrent loans to loans | 3.2265% | 1,709 |
| Net loans and leases to total assets | 57.2478% | 4,250 |
| Net loans and leases to deposits | 63.9514% | 4,717 |
| Net loans and leases to core deposits | 64.4346% | 5,105 |
| Total domestic deposits to total assets | 89.5177% | 1,116 |
| Equity capital to assets | 10.1851% | 4,226 |
| Core capital (leverage) ratio | 10.1176% | 3,381 |
| Tier 1 risk-based capital ratio | 16.6249% | 2,929 |
| Total risk-based capital ratio | 17.8778% | 2,898 |
| Memoranda: | ||
| Average total assets | $112,680,500 | 4,569 |
| Average earning assets | $105,067,000 | 4,512 |
| Average equity | $11,741,500 | 4,668 |
| Average total loans | $68,368,000 | 4,453 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 5,036 |
| Cost of funding earning assets | 0.4393% | 6,041 |
| Net interest margin | 3.7371% | 3,652 |
| Noninterest income to average assets | 0.9607% | 1,577 |
| Noninterest expense to average assets | 3.7142% | 1,347 |
| Loan and lease loss provision to assets | 0.3143% | 2,097 |
| Net operating income to assets | 0.3242% | 5,523 |
| Return on assets (ROA) | 1.0750% | 2,367 |
| Pretax return on assets | 1.3732% | 2,312 |
| Return on Equity (ROE) | 10.2375% | 2,266 |
| Retained earnings to average equity (ytd only) | 10.2375% | 909 |
| Net charge-offs to loans | 0.5628% | 1,910 |
| Credit loss provision to net charge-offs | 90.7216% | 3,028 |
| Earnings coverage of net charge-offs (x) | 2.0928% | 3,943 |
| Efficiency ratio | 83.6685% | 1,667 |
| Assets per employee ($millions) | 2.9033% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,702 |
| Loan loss allowance to noncurrent loans | 36.4460% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 3.6952% | 1,410 |
| Noncurrent loans to loans | 3.6792% | 1,549 |
| Net loans and leases to total assets | 60.1070% | 3,800 |
| Net loans and leases to deposits | 67.5782% | 4,274 |
| Net loans and leases to core deposits | 67.7470% | 4,819 |
| Total domestic deposits to total assets | 88.9444% | 1,543 |
| Equity capital to assets | 10.5177% | 3,667 |
| Core capital (leverage) ratio | 10.3794% | 2,951 |
| Tier 1 risk-based capital ratio | 16.3232% | 2,994 |
| Total risk-based capital ratio | 17.5729% | 2,974 |
| Memoranda: | ||
| Average total assets | $112,001,670 | 4,618 |
| Average earning assets | $104,251,670 | 4,561 |
| Average equity | $11,760,670 | 4,662 |
| Average total loans | $68,935,330 | 4,453 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 4,820 |
| Cost of funding earning assets | 0.4603% | 6,081 |
| Net interest margin | 3.8182% | 3,300 |
| Noninterest income to average assets | 1.1168% | 1,130 |
| Noninterest expense to average assets | 3.7921% | 1,223 |
| Loan and lease loss provision to assets | 0.2155% | 2,788 |
| Net operating income to assets | 0.9875% | 2,526 |
| Return on assets (ROA) | 1.4903% | 1,160 |
| Pretax return on assets | 1.1563% | 3,084 |
| Return on Equity (ROE) | 14.2044% | 1,145 |
| Retained earnings to average equity (ytd only) | 14.2044% | 545 |
| Net charge-offs to loans | 0.4121% | 2,066 |
| Credit loss provision to net charge-offs | 84.5070% | 2,652 |
| Earnings coverage of net charge-offs (x) | 3.4085% | 2,850 |
| Efficiency ratio | 81.3559% | 2,030 |
| Assets per employee ($millions) | 2.8075% | 6,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,763 |
| Loan loss allowance to noncurrent loans | 38.2752% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 3.9430% | 1,408 |
| Noncurrent loans to loans | 3.5563% | 1,746 |
| Net loans and leases to total assets | 60.1407% | 3,635 |
| Net loans and leases to deposits | 67.4241% | 4,157 |
| Net loans and leases to core deposits | 67.5934% | 4,723 |
| Total domestic deposits to total assets | 89.1977% | 1,563 |
| Equity capital to assets | 10.5334% | 3,451 |
| Core capital (leverage) ratio | 10.3998% | 2,877 |
| Tier 1 risk-based capital ratio | 16.0703% | 3,140 |
| Total risk-based capital ratio | 17.3207% | 3,104 |
| Memoranda: | ||
| Average total assets | $111,388,500 | 4,670 |
| Average earning assets | $103,400,000 | 4,622 |
| Average equity | $11,686,500 | 4,677 |
| Average total loans | $68,911,500 | 4,484 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 4,622 |
| Cost of funding earning assets | 0.6658% | 5,736 |
| Net interest margin | 3.9477% | 3,120 |
| Noninterest income to average assets | 0.9749% | 1,439 |
| Noninterest expense to average assets | 3.7650% | 1,418 |
| Loan and lease loss provision to assets | 0.2656% | 3,565 |
| Net operating income to assets | 0.3841% | 4,931 |
| Return on assets (ROA) | 0.6072% | 4,145 |
| Pretax return on assets | 0.9144% | 3,562 |
| Return on Equity (ROE) | 6.0835% | 3,830 |
| Retained earnings to average equity (ytd only) | 3.8203% | 3,494 |
| Net charge-offs to loans | 0.5114% | 2,945 |
| Credit loss provision to net charge-offs | 80.1090% | 4,441 |
| Earnings coverage of net charge-offs (x) | 2.5395% | 3,945 |
| Efficiency ratio | 81.7219% | 2,057 |
| Assets per employee ($millions) | 2.7619% | 6,513 |
| Cash dividends to net income (ytd only)* | 37.2024% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,634 |
| Loan loss allowance to noncurrent loans | 38.9187% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 4.2561% | 1,314 |
| Noncurrent loans to loans | 3.4937% | 1,832 |
| Net loans and leases to total assets | 61.9224% | 3,615 |
| Net loans and leases to deposits | 69.3476% | 4,226 |
| Net loans and leases to core deposits | 69.5245% | 4,848 |
| Total domestic deposits to total assets | 89.2928% | 1,369 |
| Equity capital to assets | 10.4492% | 3,585 |
| Core capital (leverage) ratio | 9.8827% | 3,479 |
| Tier 1 risk-based capital ratio | 15.1560% | 3,545 |
| Total risk-based capital ratio | 16.4060% | 3,507 |
| Memoranda: | ||
| Average total assets | $110,677,200 | 4,627 |
| Average earning assets | $101,832,000 | 4,591 |
| Average equity | $11,046,200 | 4,768 |
| Average total loans | $71,768,400 | 4,420 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6286% | 4,755 |
| Cost of funding earning assets | 0.6949% | 5,803 |
| Net interest margin | 3.9337% | 3,215 |
| Noninterest income to average assets | 0.9452% | 1,500 |
| Noninterest expense to average assets | 3.8580% | 1,214 |
| Loan and lease loss provision to assets | 0.2818% | 3,269 |
| Net operating income to assets | 0.2511% | 5,564 |
| Return on assets (ROA) | 0.4022% | 5,174 |
| Pretax return on assets | 0.6538% | 4,629 |
| Return on Equity (ROE) | 4.0774% | 4,962 |
| Retained earnings to average equity (ytd only) | 1.0255% | 5,601 |
| Net charge-offs to loans | 0.5140% | 2,704 |
| Credit loss provision to net charge-offs | 83.8710% | 4,008 |
| Earnings coverage of net charge-offs (x) | 2.0824% | 4,100 |
| Efficiency ratio | 84.6499% | 1,673 |
| Assets per employee ($millions) | 2.7748% | 6,531 |
| Cash dividends to net income (ytd only)* | 74.8518% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 4,607 |
| Loan loss allowance to noncurrent loans | 37.0611% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 4.8499% | 1,196 |
| Noncurrent loans to loans | 3.7497% | 1,814 |
| Net loans and leases to total assets | 62.0778% | 3,706 |
| Net loans and leases to deposits | 69.2475% | 4,420 |
| Net loans and leases to core deposits | 69.8803% | 4,959 |
| Total domestic deposits to total assets | 89.6462% | 1,071 |
| Equity capital to assets | 10.0844% | 4,229 |
| Core capital (leverage) ratio | 9.6499% | 3,917 |
| Tier 1 risk-based capital ratio | 14.7659% | 3,795 |
| Total risk-based capital ratio | 15.8853% | 3,857 |
| Memoranda: | ||
| Average total assets | $110,727,250 | 4,650 |
| Average earning assets | $101,683,750 | 4,624 |
| Average equity | $10,921,750 | 4,823 |
| Average total loans | $72,372,250 | 4,442 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 4,623 |
| Cost of funding earning assets | 0.7119% | 5,892 |
| Net interest margin | 3.9678% | 3,000 |
| Noninterest income to average assets | 0.8822% | 1,708 |
| Noninterest expense to average assets | 3.7058% | 1,518 |
| Loan and lease loss provision to assets | 0.2422% | 3,483 |
| Net operating income to assets | 0.3893% | 4,997 |
| Return on assets (ROA) | 0.4483% | 4,866 |
| Pretax return on assets | 0.6580% | 4,543 |
| Return on Equity (ROE) | 4.5793% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.5793% | 3,274 |
| Net charge-offs to loans | 0.5847% | 2,358 |
| Credit loss provision to net charge-offs | 62.6168% | 4,282 |
| Earnings coverage of net charge-offs (x) | 2.1028% | 3,797 |
| Efficiency ratio | 82.0000% | 2,099 |
| Assets per employee ($millions) | 2.8491% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 5,018 |
| Loan loss allowance to noncurrent loans | 36.3495% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 4.9058% | 1,251 |
| Noncurrent loans to loans | 3.6002% | 1,957 |
| Net loans and leases to total assets | 63.5266% | 3,575 |
| Net loans and leases to deposits | 70.8456% | 4,318 |
| Net loans and leases to core deposits | 71.0245% | 4,950 |
| Total domestic deposits to total assets | 89.6692% | 1,138 |
| Equity capital to assets | 10.0482% | 4,079 |
| Core capital (leverage) ratio | 9.8019% | 3,518 |
| Tier 1 risk-based capital ratio | 14.8940% | 3,556 |
| Total risk-based capital ratio | 16.1448% | 3,527 |
| Memoranda: | ||
| Average total assets | $110,638,670 | 4,687 |
| Average earning assets | $101,415,670 | 4,666 |
| Average equity | $10,831,330 | 4,843 |
| Average total loans | $73,205,330 | 4,455 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 3,907 |
| Cost of funding earning assets | 0.7259% | 5,996 |
| Net interest margin | 4.1052% | 2,250 |
| Noninterest income to average assets | 0.8406% | 1,883 |
| Noninterest expense to average assets | 3.6413% | 1,674 |
| Loan and lease loss provision to assets | 0.1993% | 3,642 |
| Net operating income to assets | 0.5365% | 4,324 |
| Return on assets (ROA) | 0.5652% | 4,286 |
| Pretax return on assets | 0.7898% | 3,936 |
| Return on Equity (ROE) | 5.8512% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.8512% | 2,724 |
| Net charge-offs to loans | 0.3133% | 2,795 |
| Credit loss provision to net charge-offs | 94.8276% | 2,851 |
| Earnings coverage of net charge-offs (x) | 4.5172% | 2,461 |
| Efficiency ratio | 79.3212% | 2,645 |
| Assets per employee ($millions) | 2.8320% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 4,735 |
| Loan loss allowance to noncurrent loans | 35.7571% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 5.1155% | 1,227 |
| Noncurrent loans to loans | 3.8766% | 1,895 |
| Net loans and leases to total assets | 65.2488% | 3,188 |
| Net loans and leases to deposits | 72.5616% | 3,979 |
| Net loans and leases to core deposits | 73.2259% | 4,628 |
| Total domestic deposits to total assets | 89.9220% | 1,194 |
| Equity capital to assets | 9.7838% | 4,054 |
| Core capital (leverage) ratio | 9.8783% | 3,301 |
| Tier 1 risk-based capital ratio | 14.6764% | 3,628 |
| Total risk-based capital ratio | 15.9278% | 3,585 |
| Memoranda: | ||
| Average total assets | $110,401,000 | 4,727 |
| Average earning assets | $100,847,000 | 4,718 |
| Average equity | $10,664,500 | 4,878 |
| Average total loans | $74,046,500 | 4,461 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 4,802 |
| Cost of funding earning assets | 0.9431% | 5,965 |
| Net interest margin | 4.0030% | 3,004 |
| Noninterest income to average assets | 1.1361% | 1,144 |
| Noninterest expense to average assets | 4.1283% | 988 |
| Loan and lease loss provision to assets | 0.2232% | 5,045 |
| Net operating income to assets | 0.3046% | 4,918 |
| Return on assets (ROA) | 0.3622% | 4,860 |
| Pretax return on assets | 0.5205% | 4,548 |
| Return on Equity (ROE) | 3.7254% | 4,646 |
| Retained earnings to average equity (ytd only) | 0.6867% | 5,221 |
| Net charge-offs to loans | 0.7355% | 2,814 |
| Credit loss provision to net charge-offs | 42.3611% | 6,352 |
| Earnings coverage of net charge-offs (x) | 1.2552% | 4,850 |
| Efficiency ratio | 86.1917% | 1,678 |
| Assets per employee ($millions) | 2.8296% | 6,478 |
| Cash dividends to net income (ytd only)* | 81.5657% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 4,725 |
| Loan loss allowance to noncurrent loans | 27.3707% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 5.6953% | 1,074 |
| Noncurrent loans to loans | 4.9484% | 1,368 |
| Net loans and leases to total assets | 67.0551% | 3,208 |
| Net loans and leases to deposits | 74.5009% | 4,116 |
| Net loans and leases to core deposits | 74.6896% | 4,887 |
| Total domestic deposits to total assets | 90.0058% | 1,098 |
| Equity capital to assets | 9.5357% | 4,358 |
| Core capital (leverage) ratio | 9.7547% | 3,370 |
| Tier 1 risk-based capital ratio | 13.9221% | 3,919 |
| Total risk-based capital ratio | 15.1725% | 3,890 |
| Memoranda: | ||
| Average total assets | $109,318,400 | 4,733 |
| Average earning assets | $99,775,800 | 4,732 |
| Average equity | $10,629,800 | 4,952 |
| Average total loans | $78,311,400 | 4,382 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 4,774 |
| Cost of funding earning assets | 0.9940% | 5,967 |
| Net interest margin | 4.0147% | 3,032 |
| Noninterest income to average assets | 1.0453% | 1,321 |
| Noninterest expense to average assets | 4.0723% | 960 |
| Loan and lease loss provision to assets | 0.2201% | 4,859 |
| Net operating income to assets | 0.3081% | 5,137 |
| Return on assets (ROA) | 0.3741% | 5,049 |
| Pretax return on assets | 0.5122% | 4,885 |
| Return on Equity (ROE) | 3.8286% | 4,861 |
| Retained earnings to average equity (ytd only) | 0.7006% | 5,521 |
| Net charge-offs to loans | 0.9452% | 2,103 |
| Credit loss provision to net charge-offs | 32.0856% | 6,130 |
| Earnings coverage of net charge-offs (x) | 0.9358% | 5,129 |
| Efficiency ratio | 86.3849% | 1,591 |
| Assets per employee ($millions) | 2.7308% | 6,720 |
| Cash dividends to net income (ytd only)* | 81.7005% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 5,128 |
| Loan loss allowance to noncurrent loans | 25.3806% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 5.8675% | 1,028 |
| Noncurrent loans to loans | 4.9919% | 1,384 |
| Net loans and leases to total assets | 70.7564% | 2,544 |
| Net loans and leases to deposits | 78.9914% | 3,637 |
| Net loans and leases to core deposits | 79.1998% | 4,631 |
| Total domestic deposits to total assets | 89.5748% | 1,081 |
| Equity capital to assets | 10.1031% | 4,014 |
| Core capital (leverage) ratio | 9.9303% | 3,318 |
| Tier 1 risk-based capital ratio | 14.3445% | 3,601 |
| Total risk-based capital ratio | 15.5950% | 3,561 |
| Memoranda: | ||
| Average total assets | $109,059,500 | 4,795 |
| Average earning assets | $99,664,750 | 4,791 |
| Average equity | $10,656,500 | 5,006 |
| Average total loans | $79,135,750 | 4,428 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 4,761 |
| Cost of funding earning assets | 1.0484% | 5,923 |
| Net interest margin | 3.9881% | 3,074 |
| Noninterest income to average assets | 0.8261% | 1,992 |
| Noninterest expense to average assets | 3.8285% | 1,309 |
| Loan and lease loss provision to assets | 0.2184% | 4,705 |
| Net operating income to assets | 0.3166% | 5,114 |
| Return on assets (ROA) | 0.3166% | 5,279 |
| Pretax return on assets | 0.4203% | 5,157 |
| Return on Equity (ROE) | 3.2762% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.2762% | 4,014 |
| Net charge-offs to loans | 0.0250% | 5,985 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 35.1000% | 810 |
| Efficiency ratio | 85.7026% | 1,751 |
| Assets per employee ($millions) | 2.6047% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8370% | 2,611 |
| Loan loss allowance to noncurrent loans | 28.7347% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 7.1035% | 742 |
| Noncurrent loans to loans | 6.3928% | 950 |
| Net loans and leases to total assets | 72.9568% | 2,178 |
| Net loans and leases to deposits | 81.4153% | 3,358 |
| Net loans and leases to core deposits | 81.6294% | 4,475 |
| Total domestic deposits to total assets | 89.6106% | 1,120 |
| Equity capital to assets | 10.0382% | 3,973 |
| Core capital (leverage) ratio | 9.7682% | 3,452 |
| Tier 1 risk-based capital ratio | 14.1400% | 3,640 |
| Total risk-based capital ratio | 15.3950% | 3,594 |
| Memoranda: | ||
| Average total assets | $109,912,000 | 4,803 |
| Average earning assets | $100,347,330 | 4,796 |
| Average equity | $10,622,000 | 5,023 |
| Average total loans | $80,073,000 | 4,441 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0801% | 4,630 |
| Cost of funding earning assets | 1.0672% | 6,058 |
| Net interest margin | 4.0129% | 2,824 |
| Noninterest income to average assets | 0.7428% | 2,342 |
| Noninterest expense to average assets | 3.7211% | 1,477 |
| Loan and lease loss provision to assets | 0.2153% | 4,355 |
| Net operating income to assets | 0.3409% | 5,123 |
| Return on assets (ROA) | 0.3409% | 5,247 |
| Pretax return on assets | 0.4629% | 5,075 |
| Return on Equity (ROE) | 3.5941% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.5941% | 4,002 |
| Net charge-offs to loans | 0.0149% | 5,375 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 486 |
| Efficiency ratio | 84.5840% | 1,971 |
| Assets per employee ($millions) | 2.4878% | 7,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 2,859 |
| Loan loss allowance to noncurrent loans | 25.9993% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 7.5533% | 673 |
| Noncurrent loans to loans | 6.7735% | 903 |
| Net loans and leases to total assets | 71.6011% | 2,546 |
| Net loans and leases to deposits | 81.2869% | 3,408 |
| Net loans and leases to core deposits | 81.4990% | 4,558 |
| Total domestic deposits to total assets | 88.0844% | 2,013 |
| Equity capital to assets | 9.7111% | 4,215 |
| Core capital (leverage) ratio | 9.6308% | 3,594 |
| Tier 1 risk-based capital ratio | 13.6205% | 3,914 |
| Total risk-based capital ratio | 14.8771% | 3,871 |
| Memoranda: | ||
| Average total assets | $111,472,000 | 4,834 |
| Average earning assets | $101,572,000 | 4,831 |
| Average equity | $10,573,000 | 5,082 |
| Average total loans | $80,424,500 | 4,488 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2285% | 5,515 |
| Cost of funding earning assets | 1.3839% | 5,998 |
| Net interest margin | 3.8446% | 3,512 |
| Noninterest income to average assets | 0.8795% | 2,029 |
| Noninterest expense to average assets | 4.3134% | 972 |
| Loan and lease loss provision to assets | 1.7563% | 1,300 |
| Net operating income to assets | -1.0719% | 6,626 |
| Return on assets (ROA) | -1.0309% | 6,596 |
| Pretax return on assets | -1.5691% | 6,736 |
| Return on Equity (ROE) | -10.2731% | 6,646 |
| Retained earnings to average equity (ytd only) | -11.8429% | 6,666 |
| Net charge-offs to loans | 2.7515% | 817 |
| Credit loss provision to net charge-offs | 83.3472% | 6,211 |
| Earnings coverage of net charge-offs (x) | 0.0594% | 6,109 |
| Efficiency ratio | 97.1806% | 1,261 |
| Assets per employee ($millions) | 2.5218% | 7,169 |
| Cash dividends to net income (ytd only)* | -15.2801% | 7,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 3,036 |
| Loan loss allowance to noncurrent loans | 21.6790% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 7.9167% | 574 |
| Noncurrent loans to loans | 7.6701% | 676 |
| Net loans and leases to total assets | 70.2490% | 3,199 |
| Net loans and leases to deposits | 79.3897% | 4,105 |
| Net loans and leases to core deposits | 86.0173% | 5,521 |
| Total domestic deposits to total assets | 88.4863% | 1,739 |
| Equity capital to assets | 9.2667% | 4,745 |
| Core capital (leverage) ratio | 9.2919% | 3,990 |
| Tier 1 risk-based capital ratio | 14.4595% | 3,234 |
| Total risk-based capital ratio | 15.7172% | 3,182 |
| Memoranda: | ||
| Average total assets | $114,272,200 | 4,714 |
| Average earning assets | $105,785,400 | 4,686 |
| Average equity | $11,466,800 | 4,891 |
| Average total loans | $87,517,200 | 4,286 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 5,425 |
| Cost of funding earning assets | 1.4558% | 6,017 |
| Net interest margin | 3.8438% | 3,466 |
| Noninterest income to average assets | 0.9027% | 1,970 |
| Noninterest expense to average assets | 4.1943% | 1,035 |
| Loan and lease loss provision to assets | 0.8549% | 2,242 |
| Net operating income to assets | -0.5731% | 6,503 |
| Return on assets (ROA) | -0.4904% | 6,417 |
| Pretax return on assets | -0.4904% | 6,285 |
| Return on Equity (ROE) | -4.7958% | 6,427 |
| Retained earnings to average equity (ytd only) | -6.8462% | 6,491 |
| Net charge-offs to loans | 0.6388% | 2,767 |
| Credit loss provision to net charge-offs | 171.8970% | 2,701 |
| Earnings coverage of net charge-offs (x) | 0.5667% | 5,466 |
| Efficiency ratio | 93.7028% | 1,421 |
| Assets per employee ($millions) | 2.5643% | 7,120 |
| Cash dividends to net income (ytd only)* | -42.7546% | 7,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3907% | 1,180 |
| Loan loss allowance to noncurrent loans | 25.9558% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 8.9597% | 433 |
| Noncurrent loans to loans | 9.2108% | 471 |
| Net loans and leases to total assets | 74.4352% | 2,399 |
| Net loans and leases to deposits | 84.7474% | 3,531 |
| Net loans and leases to core deposits | 92.3235% | 5,206 |
| Total domestic deposits to total assets | 87.8318% | 1,734 |
| Equity capital to assets | 9.9639% | 4,133 |
| Core capital (leverage) ratio | 9.8074% | 3,510 |
| Tier 1 risk-based capital ratio | 15.1497% | 2,978 |
| Total risk-based capital ratio | 16.4182% | 2,911 |
| Memoranda: | ||
| Average total assets | $114,469,750 | 4,731 |
| Average earning assets | $106,419,500 | 4,694 |
| Average equity | $11,704,500 | 4,864 |
| Average total loans | $89,129,500 | 4,273 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 5,280 |
| Cost of funding earning assets | 1.5416% | 5,969 |
| Net interest margin | 3.8333% | 3,398 |
| Noninterest income to average assets | 0.9981% | 1,599 |
| Noninterest expense to average assets | 4.3107% | 936 |
| Loan and lease loss provision to assets | 0.3408% | 3,891 |
| Net operating income to assets | -0.0904% | 5,990 |
| Return on assets (ROA) | -0.0904% | 6,043 |
| Pretax return on assets | -0.0904% | 5,983 |
| Return on Equity (ROE) | -0.8770% | 6,058 |
| Retained earnings to average equity (ytd only) | -0.8770% | 5,448 |
| Net charge-offs to loans | 0.5679% | 2,629 |
| Credit loss provision to net charge-offs | 76.5625% | 5,289 |
| Earnings coverage of net charge-offs (x) | 0.5625% | 5,151 |
| Efficiency ratio | 94.5101% | 1,468 |
| Assets per employee ($millions) | 2.5482% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9533% | 1,666 |
| Loan loss allowance to noncurrent loans | 28.1245% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 6.8108% | 646 |
| Noncurrent loans to loans | 6.9451% | 710 |
| Net loans and leases to total assets | 73.9786% | 2,705 |
| Net loans and leases to deposits | 84.5580% | 3,783 |
| Net loans and leases to core deposits | 93.1166% | 5,225 |
| Total domestic deposits to total assets | 87.4886% | 2,022 |
| Equity capital to assets | 10.2737% | 3,639 |
| Core capital (leverage) ratio | 10.2965% | 3,000 |
| Tier 1 risk-based capital ratio | 15.6375% | 2,755 |
| Total risk-based capital ratio | 16.9002% | 2,682 |
| Memoranda: | ||
| Average total assets | $115,017,330 | 4,752 |
| Average earning assets | $106,904,000 | 4,698 |
| Average equity | $11,858,670 | 4,855 |
| Average total loans | $90,159,330 | 4,273 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7862% | 3,373 |
| Cost of funding earning assets | 1.6661% | 5,756 |
| Net interest margin | 4.1202% | 2,213 |
| Noninterest income to average assets | 1.0313% | 1,401 |
| Noninterest expense to average assets | 4.0976% | 1,067 |
| Loan and lease loss provision to assets | 0.1563% | 4,934 |
| Net operating income to assets | 0.4236% | 4,767 |
| Return on assets (ROA) | 0.4236% | 4,941 |
| Pretax return on assets | 0.5903% | 4,785 |
| Return on Equity (ROE) | 4.1017% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.1017% | 3,617 |
| Net charge-offs to loans | 1.1177% | 1,222 |
| Credit loss provision to net charge-offs | 17.5097% | 5,102 |
| Earnings coverage of net charge-offs (x) | 0.8366% | 4,357 |
| Efficiency ratio | 84.5878% | 2,244 |
| Assets per employee ($millions) | 2.6372% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 2,048 |
| Loan loss allowance to noncurrent loans | 31.7900% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 6.5185% | 569 |
| Noncurrent loans to loans | 5.4362% | 957 |
| Net loans and leases to total assets | 77.1235% | 2,015 |
| Net loans and leases to deposits | 88.4039% | 3,215 |
| Net loans and leases to core deposits | 99.8288% | 4,554 |
| Total domestic deposits to total assets | 87.2399% | 2,100 |
| Equity capital to assets | 10.5538% | 3,408 |
| Core capital (leverage) ratio | 10.2904% | 3,115 |
| Tier 1 risk-based capital ratio | 16.0586% | 2,674 |
| Total risk-based capital ratio | 17.3192% | 2,605 |
| Memoranda: | ||
| Average total assets | $115,190,500 | 4,769 |
| Average earning assets | $106,598,000 | 4,732 |
| Average equity | $11,897,500 | 4,867 |
| Average total loans | $91,978,000 | 4,261 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 6,708 |
| Cost of funding earning assets | 2.3746% | 4,835 |
| Net interest margin | 3.3459% | 5,880 |
| Noninterest income to average assets | 1.0303% | 1,484 |
| Noninterest expense to average assets | 3.7572% | 1,840 |
| Loan and lease loss provision to assets | 0.6395% | 2,275 |
| Net operating income to assets | -0.0994% | 6,494 |
| Return on assets (ROA) | -0.0022% | 6,240 |
| Pretax return on assets | -0.0655% | 6,228 |
| Return on Equity (ROE) | -0.0251% | 6,241 |
| Retained earnings to average equity (ytd only) | -3.1592% | 6,143 |
| Net charge-offs to loans | 0.7520% | 1,651 |
| Credit loss provision to net charge-offs | 109.2875% | 4,921 |
| Earnings coverage of net charge-offs (x) | 0.7214% | 5,790 |
| Efficiency ratio | 89.9002% | 1,523 |
| Assets per employee ($millions) | 2.5431% | 7,126 |
| Cash dividends to net income (ytd only)* | -12,500.0000% | 8,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 1,543 |
| Loan loss allowance to noncurrent loans | 26.7502% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 7.2448% | 349 |
| Noncurrent loans to loans | 6.8892% | 447 |
| Net loans and leases to total assets | 79.6796% | 1,728 |
| Net loans and leases to deposits | 92.6587% | 3,018 |
| Net loans and leases to core deposits | 104.4674% | 4,349 |
| Total domestic deposits to total assets | 85.9926% | 2,406 |
| Equity capital to assets | 10.1102% | 3,909 |
| Core capital (leverage) ratio | 9.9151% | 3,533 |
| Tier 1 risk-based capital ratio | 15.1462% | 2,979 |
| Total risk-based capital ratio | 16.4078% | 2,898 |
| Memoranda: | ||
| Average total assets | $134,328,800 | 4,198 |
| Average earning assets | $126,422,400 | 4,118 |
| Average equity | $11,965,200 | 4,835 |
| Average total loans | $104,525,600 | 3,837 |