Home > Bank of Commerce > Performance and Condition Ratios
Bank of Commerce, 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 | 4.6350% | 2,816 |
| Cost of funding earning assets | 0.9911% | 3,318 |
| Net interest margin | 3.6439% | 1,874 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.4708% | 2,383 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.0309% | 2,115 |
| Return on assets (ROA) | 1.0100% | 2,170 |
| Pretax return on assets | 1.1896% | 2,170 |
| Return on Equity (ROE) | 13.2800% | 1,654 |
| Retained earnings to average equity (ytd only) | 7.2906% | 1,794 |
| Net charge-offs to loans | 0.0432% | 1,462 |
| Credit loss provision to net charge-offs | 419.0476% | 764 |
| Earnings coverage of net charge-offs (x) | 61.2857% | 1,177 |
| Efficiency ratio | 64.7059% | 2,522 |
| Assets per employee ($millions) | 6.0125% | 2,813 |
| Cash dividends to net income (ytd only)* | 45.1011% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 509 |
| Loan loss allowance to noncurrent loans | 2,722.3881% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,413 |
| Noncurrent loans to loans | 0.0673% | 3,232 |
| Net loans and leases to total assets | 49.2700% | 3,641 |
| Net loans and leases to deposits | 53.8849% | 3,804 |
| Net loans and leases to core deposits | 60.1846% | 3,756 |
| Total domestic deposits to total assets | 91.4400% | 403 |
| Equity capital to assets | 8.2329% | 3,257 |
| Core capital (leverage) ratio | 9.9995% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $190,989,800 | 3,045 |
| Average earning assets | $180,411,400 | 3,004 |
| Average equity | $14,525,600 | 3,304 |
| Average total loans | $97,242,400 | 3,209 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4215% | 3,066 |
| Cost of funding earning assets | 0.8410% | 3,425 |
| Net interest margin | 3.5805% | 2,052 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.4469% | 2,385 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.9809% | 2,421 |
| Return on assets (ROA) | 0.9524% | 2,496 |
| Pretax return on assets | 1.1138% | 2,528 |
| Return on Equity (ROE) | 12.8000% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.4309% | 1,286 |
| Net charge-offs to loans | 0.0579% | 1,091 |
| Credit loss provision to net charge-offs | 607.1429% | 553 |
| Earnings coverage of net charge-offs (x) | 44.8095% | 1,380 |
| Efficiency ratio | 64.8421% | 2,406 |
| Assets per employee ($millions) | 6.3665% | 2,435 |
| Cash dividends to net income (ytd only)* | 18.5048% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 559 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.3300% | 3,474 |
| Net loans and leases to deposits | 56.3659% | 3,695 |
| Net loans and leases to core deposits | 63.6625% | 3,547 |
| Total domestic deposits to total assets | 92.8300% | 325 |
| Equity capital to assets | 6.8823% | 3,672 |
| Core capital (leverage) ratio | 10.6307% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $189,134,500 | 3,066 |
| Average earning assets | $178,668,750 | 3,030 |
| Average equity | $14,073,250 | 3,328 |
| Average total loans | $96,655,750 | 3,217 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 3,190 |
| Cost of funding earning assets | 0.6668% | 3,582 |
| Net interest margin | 3.5882% | 2,064 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.4518% | 2,346 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.9560% | 2,560 |
| Return on assets (ROA) | 0.9131% | 2,696 |
| Pretax return on assets | 1.0794% | 2,697 |
| Return on Equity (ROE) | 11.9600% | 2,168 |
| Retained earnings to average equity (ytd only) | 8.4430% | 1,832 |
| Net charge-offs to loans | 0.0895% | 730 |
| Credit loss provision to net charge-offs | 333.3333% | 804 |
| Earnings coverage of net charge-offs (x) | 28.4048% | 1,578 |
| Efficiency ratio | 65.6987% | 2,278 |
| Assets per employee ($millions) | 5.9211% | 2,779 |
| Cash dividends to net income (ytd only)* | 29.3772% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 553 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.8900% | 3,420 |
| Net loans and leases to deposits | 56.4268% | 3,616 |
| Net loans and leases to core deposits | 62.2195% | 3,530 |
| Total domestic deposits to total assets | 91.9500% | 423 |
| Equity capital to assets | 7.8468% | 3,315 |
| Core capital (leverage) ratio | 10.7482% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $186,392,333 | 3,094 |
| Average earning assets | $176,355,333 | 3,054 |
| Average equity | $14,236,667 | 3,334 |
| Average total loans | $93,816,000 | 3,243 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 3,334 |
| Cost of funding earning assets | 0.5423% | 3,557 |
| Net interest margin | 3.5240% | 2,305 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.5110% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9753% | 2,606 |
| Return on assets (ROA) | 0.8903% | 2,841 |
| Pretax return on assets | 1.0521% | 2,852 |
| Return on Equity (ROE) | 11.8100% | 2,266 |
| Retained earnings to average equity (ytd only) | 11.8133% | 1,304 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.5465% | 1,911 |
| Assets per employee ($millions) | 6.4038% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 640 |
| Loan loss allowance to noncurrent loans | 584.7751% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 2,416 |
| Noncurrent loans to loans | 0.3113% | 2,031 |
| Net loans and leases to total assets | 49.0900% | 3,559 |
| Net loans and leases to deposits | 53.5140% | 3,713 |
| Net loans and leases to core deposits | 58.5584% | 3,607 |
| Total domestic deposits to total assets | 91.7300% | 586 |
| Equity capital to assets | 8.0857% | 3,180 |
| Core capital (leverage) ratio | 10.5543% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $187,812,000 | 3,119 |
| Average earning assets | $177,750,500 | 3,080 |
| Average equity | $14,153,500 | 3,375 |
| Average total loans | $92,210,000 | 3,299 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 2,825 |
| Cost of funding earning assets | 0.1747% | 3,957 |
| Net interest margin | 3.4181% | 2,190 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.3109% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0320% | 2,449 |
| Return on assets (ROA) | 1.0262% | 2,418 |
| Pretax return on assets | 1.2251% | 2,358 |
| Return on Equity (ROE) | 12.5400% | 1,956 |
| Retained earnings to average equity (ytd only) | 7.2219% | 2,138 |
| Net charge-offs to loans | -0.0231% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2253% | 2,331 |
| Assets per employee ($millions) | 6.3305% | 2,486 |
| Cash dividends to net income (ytd only)* | 42.4306% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 604 |
| Loan loss allowance to noncurrent loans | 527.8125% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,367 |
| Noncurrent loans to loans | 0.3495% | 1,893 |
| Net loans and leases to total assets | 47.3300% | 3,718 |
| Net loans and leases to deposits | 50.9535% | 3,859 |
| Net loans and leases to core deposits | 55.2298% | 3,756 |
| Total domestic deposits to total assets | 92.8800% | 435 |
| Equity capital to assets | 6.9984% | 3,670 |
| Core capital (leverage) ratio | 10.2462% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $186,033,000 | 3,136 |
| Average earning assets | $176,909,800 | 3,088 |
| Average equity | $15,217,600 | 3,349 |
| Average total loans | $86,487,600 | 3,328 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 2,813 |
| Cost of funding earning assets | 0.1355% | 3,983 |
| Net interest margin | 3.3015% | 2,290 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.2622% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9784% | 2,548 |
| Return on assets (ROA) | 0.9784% | 2,530 |
| Pretax return on assets | 1.1628% | 2,516 |
| Return on Equity (ROE) | 11.5300% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.7497% | 1,416 |
| Net charge-offs to loans | -0.0313% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.0496% | 2,273 |
| Assets per employee ($millions) | 6.2527% | 2,536 |
| Cash dividends to net income (ytd only)* | 15.4639% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 590 |
| Loan loss allowance to noncurrent loans | 190.6321% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 1,146 |
| Noncurrent loans to loans | 1.0017% | 776 |
| Net loans and leases to total assets | 46.2500% | 3,742 |
| Net loans and leases to deposits | 49.6981% | 3,876 |
| Net loans and leases to core deposits | 52.9914% | 3,809 |
| Total domestic deposits to total assets | 93.0700% | 562 |
| Equity capital to assets | 6.8157% | 3,608 |
| Core capital (leverage) ratio | 10.6330% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $185,062,750 | 3,173 |
| Average earning assets | $176,076,000 | 3,121 |
| Average equity | $15,699,250 | 3,343 |
| Average total loans | $85,216,750 | 3,353 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 2,695 |
| Cost of funding earning assets | 0.1332% | 3,802 |
| Net interest margin | 3.1805% | 2,253 |
| Noninterest income to average assets | 0.2703% | 3,551 |
| Noninterest expense to average assets | 2.1952% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9337% | 2,429 |
| Return on assets (ROA) | 0.9337% | 2,408 |
| Pretax return on assets | 1.1074% | 2,382 |
| Return on Equity (ROE) | 10.3175% | 2,221 |
| Retained earnings to average equity (ytd only) | 7.7981% | 1,692 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4694% | 2,446 |
| Assets per employee ($millions) | 6.6629% | 2,193 |
| Cash dividends to net income (ytd only)* | 24.4186% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 651 |
| Loan loss allowance to noncurrent loans | 399.2823% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 2,192 |
| Noncurrent loans to loans | 0.4780% | 1,685 |
| Net loans and leases to total assets | 45.9793% | 3,710 |
| Net loans and leases to deposits | 49.8672% | 3,813 |
| Net loans and leases to core deposits | 53.6390% | 3,715 |
| Total domestic deposits to total assets | 92.2036% | 757 |
| Equity capital to assets | 7.6887% | 3,355 |
| Core capital (leverage) ratio | 10.3491% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,223,000 | 3,203 |
| Average earning assets | $175,635,000 | 3,165 |
| Average equity | $16,670,667 | 3,346 |
| Average total loans | $84,137,667 | 3,400 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1811% | 2,745 |
| Cost of funding earning assets | 0.1325% | 3,735 |
| Net interest margin | 3.0486% | 2,336 |
| Noninterest income to average assets | 0.2644% | 3,541 |
| Noninterest expense to average assets | 2.1720% | 2,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8588% | 2,458 |
| Return on assets (ROA) | 0.8588% | 2,449 |
| Pretax return on assets | 1.0095% | 2,407 |
| Return on Equity (ROE) | 8.8146% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.8146% | 1,326 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2692% | 2,468 |
| Assets per employee ($millions) | 6.4070% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0317% | 591 |
| Loan loss allowance to noncurrent loans | 1,218.2482% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,309 |
| Noncurrent loans to loans | 0.1668% | 2,978 |
| Net loans and leases to total assets | 44.8611% | 3,670 |
| Net loans and leases to deposits | 49.4194% | 3,782 |
| Net loans and leases to core deposits | 54.1075% | 3,581 |
| Total domestic deposits to total assets | 90.7763% | 1,148 |
| Equity capital to assets | 9.1496% | 2,573 |
| Core capital (leverage) ratio | 10.4397% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,054,500 | 3,225 |
| Average earning assets | $175,160,000 | 3,185 |
| Average equity | $17,834,000 | 3,340 |
| Average total loans | $82,482,500 | 3,426 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 2,242 |
| Cost of funding earning assets | 0.1742% | 3,726 |
| Net interest margin | 3.4803% | 1,797 |
| Noninterest income to average assets | 0.2857% | 3,681 |
| Noninterest expense to average assets | 2.3254% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1096% | 2,254 |
| Return on assets (ROA) | 1.1116% | 2,301 |
| Pretax return on assets | 1.2867% | 2,401 |
| Return on Equity (ROE) | 9.7620% | 2,611 |
| Retained earnings to average equity (ytd only) | 5.6838% | 2,487 |
| Net charge-offs to loans | -0.0012% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4195% | 2,494 |
| Assets per employee ($millions) | 6.6683% | 2,184 |
| Cash dividends to net income (ytd only)* | 41.7768% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.4614% | 3,875 |
| Net loans and leases to deposits | 48.5141% | 3,967 |
| Net loans and leases to core deposits | 52.9597% | 3,830 |
| Total domestic deposits to total assets | 89.5851% | 1,183 |
| Equity capital to assets | 10.3121% | 2,354 |
| Core capital (leverage) ratio | 10.6719% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0844% | 643 |
| Memoranda: | ||
| Average total assets | $170,119,200 | 3,302 |
| Average earning assets | $162,488,200 | 3,249 |
| Average equity | $19,371,000 | 3,267 |
| Average total loans | $81,943,000 | 3,443 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 1,985 |
| Cost of funding earning assets | 0.1879% | 3,730 |
| Net interest margin | 3.6275% | 1,535 |
| Noninterest income to average assets | 0.2780% | 3,764 |
| Noninterest expense to average assets | 2.2927% | 2,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2307% | 2,061 |
| Return on assets (ROA) | 1.2307% | 2,124 |
| Pretax return on assets | 1.4444% | 2,167 |
| Return on Equity (ROE) | 10.5288% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.9481% | 1,718 |
| Net charge-offs to loans | -0.0016% | 3,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3500% | 2,784 |
| Assets per employee ($millions) | 5.7124% | 2,974 |
| Cash dividends to net income (ytd only)* | 15.0131% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.7890% | 3,432 |
| Net loans and leases to deposits | 56.7262% | 3,513 |
| Net loans and leases to core deposits | 62.9059% | 3,230 |
| Total domestic deposits to total assets | 87.7708% | 1,964 |
| Equity capital to assets | 12.0161% | 1,395 |
| Core capital (leverage) ratio | 11.4182% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8842% | 704 |
| Memoranda: | ||
| Average total assets | $165,970,750 | 3,366 |
| Average earning assets | $158,270,000 | 3,325 |
| Average equity | $19,400,250 | 3,301 |
| Average total loans | $81,724,500 | 3,493 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 1,924 |
| Cost of funding earning assets | 0.1983% | 3,769 |
| Net interest margin | 3.6601% | 1,444 |
| Noninterest income to average assets | 0.2746% | 3,760 |
| Noninterest expense to average assets | 2.3182% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1971% | 2,204 |
| Return on assets (ROA) | 1.1971% | 2,272 |
| Pretax return on assets | 1.4463% | 2,189 |
| Return on Equity (ROE) | 10.3371% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.9452% | 2,095 |
| Net charge-offs to loans | -0.0025% | 3,240 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5803% | 2,788 |
| Assets per employee ($millions) | 5.3982% | 3,244 |
| Cash dividends to net income (ytd only)* | 23.1388% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0417% | 563 |
| Loan loss allowance to noncurrent loans | 8,784.2105% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,221 |
| Noncurrent loans to loans | 0.0232% | 4,104 |
| Net loans and leases to total assets | 47.8514% | 3,738 |
| Net loans and leases to deposits | 54.2285% | 3,844 |
| Net loans and leases to core deposits | 59.9455% | 3,622 |
| Total domestic deposits to total assets | 88.2405% | 1,702 |
| Equity capital to assets | 11.6179% | 1,561 |
| Core capital (leverage) ratio | 11.0336% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1583% | 683 |
| Memoranda: | ||
| Average total assets | $166,074,000 | 3,374 |
| Average earning assets | $158,357,333 | 3,327 |
| Average equity | $19,231,667 | 3,314 |
| Average total loans | $80,916,000 | 3,533 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 1,638 |
| Cost of funding earning assets | 0.2177% | 3,745 |
| Net interest margin | 3.7668% | 1,208 |
| Noninterest income to average assets | 0.2708% | 3,777 |
| Noninterest expense to average assets | 2.2921% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3080% | 1,804 |
| Return on assets (ROA) | 1.3080% | 1,885 |
| Pretax return on assets | 1.5764% | 1,787 |
| Return on Equity (ROE) | 11.3141% | 2,265 |
| Retained earnings to average equity (ytd only) | 11.3141% | 1,317 |
| Net charge-offs to loans | -0.0050% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2500% | 3,120 |
| Assets per employee ($millions) | 6.2135% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.4511% | 3,763 |
| Net loans and leases to deposits | 54.7168% | 3,891 |
| Net loans and leases to core deposits | 60.5698% | 3,665 |
| Total domestic deposits to total assets | 88.5489% | 1,589 |
| Equity capital to assets | 11.3039% | 1,657 |
| Core capital (leverage) ratio | 10.9199% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8168% | 813 |
| Memoranda: | ||
| Average total assets | $165,438,500 | 3,382 |
| Average earning assets | $158,013,000 | 3,331 |
| Average equity | $19,126,500 | 3,318 |
| Average total loans | $80,501,000 | 3,552 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,071 |
| Cost of funding earning assets | 0.3631% | 3,802 |
| Net interest margin | 3.8622% | 1,326 |
| Noninterest income to average assets | 0.2968% | 3,708 |
| Noninterest expense to average assets | 2.3804% | 3,175 |
| Loan and lease loss provision to assets | 0.2177% | 1,801 |
| Net operating income to assets | 1.1303% | 1,801 |
| Return on assets (ROA) | 1.3000% | 1,349 |
| Pretax return on assets | 1.5724% | 1,130 |
| Return on Equity (ROE) | 10.7270% | 1,732 |
| Retained earnings to average equity (ytd only) | 6.2098% | 1,702 |
| Net charge-offs to loans | -0.0049% | 4,125 |
| Credit loss provision to net charge-offs | -8,250.0000% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0200% | 3,454 |
| Assets per employee ($millions) | 5.6246% | 2,716 |
| Cash dividends to net income (ytd only)* | 42.1106% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1371% | 458 |
| Loan loss allowance to noncurrent loans | 1,166.4336% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,889 |
| Noncurrent loans to loans | 0.1832% | 3,559 |
| Net loans and leases to total assets | 46.8273% | 4,071 |
| Net loans and leases to deposits | 53.2710% | 4,147 |
| Net loans and leases to core deposits | 59.3149% | 3,986 |
| Total domestic deposits to total assets | 87.9040% | 1,525 |
| Equity capital to assets | 11.8256% | 1,663 |
| Core capital (leverage) ratio | 11.2714% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8876% | 593 |
| Memoranda: | ||
| Average total assets | $151,613,600 | 3,384 |
| Average earning assets | $144,036,200 | 3,334 |
| Average equity | $18,374,200 | 3,337 |
| Average total loans | $80,823,600 | 3,538 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 1,820 |
| Cost of funding earning assets | 0.3937% | 3,841 |
| Net interest margin | 4.0180% | 1,073 |
| Noninterest income to average assets | 0.3003% | 3,686 |
| Noninterest expense to average assets | 2.3701% | 3,219 |
| Loan and lease loss provision to assets | 0.2958% | 1,368 |
| Net operating income to assets | 1.1599% | 1,785 |
| Return on assets (ROA) | 1.3823% | 1,238 |
| Pretax return on assets | 1.7274% | 912 |
| Return on Equity (ROE) | 11.3303% | 1,579 |
| Retained earnings to average equity (ytd only) | 9.6403% | 841 |
| Net charge-offs to loans | -0.0065% | 4,116 |
| Credit loss provision to net charge-offs | -8,250.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5909% | 3,723 |
| Assets per employee ($millions) | 5.2275% | 2,984 |
| Cash dividends to net income (ytd only)* | 14.9157% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0121% | 486 |
| Loan loss allowance to noncurrent loans | 6,676.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 4,401 |
| Noncurrent loans to loans | 0.0301% | 4,280 |
| Net loans and leases to total assets | 53.6165% | 3,836 |
| Net loans and leases to deposits | 61.6400% | 3,951 |
| Net loans and leases to core deposits | 69.4270% | 3,668 |
| Total domestic deposits to total assets | 86.9833% | 1,678 |
| Equity capital to assets | 12.7120% | 1,323 |
| Core capital (leverage) ratio | 11.9182% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9809% | 588 |
| Memoranda: | ||
| Average total assets | $148,739,000 | 3,409 |
| Average earning assets | $141,228,250 | 3,356 |
| Average equity | $18,145,500 | 3,354 |
| Average total loans | $81,517,250 | 3,548 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 1,753 |
| Cost of funding earning assets | 0.4250% | 3,924 |
| Net interest margin | 4.1360% | 1,048 |
| Noninterest income to average assets | 0.2964% | 3,697 |
| Noninterest expense to average assets | 2.3575% | 3,378 |
| Loan and lease loss provision to assets | 0.2977% | 1,445 |
| Net operating income to assets | 1.2572% | 1,469 |
| Return on assets (ROA) | 1.5928% | 843 |
| Pretax return on assets | 1.9853% | 562 |
| Return on Equity (ROE) | 13.2468% | 1,043 |
| Retained earnings to average equity (ytd only) | 10.6582% | 665 |
| Net charge-offs to loans | -0.0173% | 4,365 |
| Credit loss provision to net charge-offs | -3,142.8571% | 4,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8512% | 3,962 |
| Assets per employee ($millions) | 5.4191% | 2,719 |
| Cash dividends to net income (ytd only)* | 19.5412% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 555 |
| Loan loss allowance to noncurrent loans | 6,248.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,479 |
| Noncurrent loans to loans | 0.0301% | 4,363 |
| Net loans and leases to total assets | 51.8813% | 4,035 |
| Net loans and leases to deposits | 59.1890% | 4,158 |
| Net loans and leases to core deposits | 66.2668% | 3,959 |
| Total domestic deposits to total assets | 87.6536% | 1,347 |
| Equity capital to assets | 12.0276% | 1,638 |
| Core capital (leverage) ratio | 11.2983% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8285% | 598 |
| Memoranda: | ||
| Average total assets | $147,786,333 | 3,394 |
| Average earning assets | $140,232,000 | 3,341 |
| Average equity | $17,770,333 | 3,389 |
| Average total loans | $81,039,667 | 3,559 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 2,721 |
| Cost of funding earning assets | 0.4572% | 4,127 |
| Net interest margin | 3.9110% | 1,638 |
| Noninterest income to average assets | 0.3159% | 3,624 |
| Noninterest expense to average assets | 2.4151% | 3,505 |
| Loan and lease loss provision to assets | 0.0559% | 3,067 |
| Net operating income to assets | 1.2606% | 1,349 |
| Return on assets (ROA) | 1.2606% | 1,448 |
| Pretax return on assets | 1.5513% | 1,175 |
| Return on Equity (ROE) | 10.4856% | 1,583 |
| Retained earnings to average equity (ytd only) | 10.4856% | 646 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0417% | 3,733 |
| Assets per employee ($millions) | 5.1569% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 928 |
| Loan loss allowance to noncurrent loans | 2,419.6429% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 4,421 |
| Noncurrent loans to loans | 0.0688% | 4,255 |
| Net loans and leases to total assets | 55.4504% | 3,875 |
| Net loans and leases to deposits | 63.1744% | 4,026 |
| Net loans and leases to core deposits | 72.5190% | 3,729 |
| Total domestic deposits to total assets | 87.7736% | 1,199 |
| Equity capital to assets | 12.0097% | 2,058 |
| Core capital (leverage) ratio | 12.0193% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8033% | 660 |
| Memoranda: | ||
| Average total assets | $143,102,000 | 3,426 |
| Average earning assets | $135,617,000 | 3,376 |
| Average equity | $17,204,500 | 3,451 |
| Average total loans | $80,011,500 | 3,582 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4183% | 3,196 |
| Cost of funding earning assets | 0.4286% | 4,344 |
| Net interest margin | 3.9897% | 1,887 |
| Noninterest income to average assets | 0.3527% | 3,590 |
| Noninterest expense to average assets | 2.4862% | 3,493 |
| Loan and lease loss provision to assets | 0.1280% | 1,666 |
| Net operating income to assets | 1.2484% | 1,874 |
| Return on assets (ROA) | 1.2958% | 1,779 |
| Pretax return on assets | 1.5760% | 1,561 |
| Return on Equity (ROE) | 10.3635% | 2,136 |
| Retained earnings to average equity (ytd only) | -3.9265% | 4,948 |
| Net charge-offs to loans | -0.0159% | 4,584 |
| Credit loss provision to net charge-offs | -1,458.3333% | 4,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1629% | 3,669 |
| Assets per employee ($millions) | 5.0647% | 2,497 |
| Cash dividends to net income (ytd only)* | 137.8882% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 802 |
| Loan loss allowance to noncurrent loans | 2,617.6471% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 4,466 |
| Noncurrent loans to loans | 0.0649% | 4,280 |
| Net loans and leases to total assets | 54.4855% | 4,051 |
| Net loans and leases to deposits | 62.0963% | 4,188 |
| Net loans and leases to core deposits | 70.7632% | 3,925 |
| Total domestic deposits to total assets | 87.7436% | 1,251 |
| Equity capital to assets | 12.0357% | 2,116 |
| Core capital (leverage) ratio | 11.4924% | 2,117 |
| Tier 1 risk-based capital ratio | 20.8147% | 1,201 |
| Total risk-based capital ratio | 22.0692% | 1,170 |
| Memoranda: | ||
| Average total assets | $136,675,200 | 3,484 |
| Average earning assets | $129,483,000 | 3,434 |
| Average equity | $17,088,800 | 3,422 |
| Average total loans | $75,379,600 | 3,673 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 3,378 |
| Cost of funding earning assets | 0.4142% | 4,448 |
| Net interest margin | 3.9790% | 2,019 |
| Noninterest income to average assets | 0.3516% | 3,624 |
| Noninterest expense to average assets | 2.4807% | 3,491 |
| Loan and lease loss provision to assets | 0.1083% | 1,794 |
| Net operating income to assets | 1.2668% | 1,963 |
| Return on assets (ROA) | 1.3314% | 1,786 |
| Pretax return on assets | 1.6052% | 1,618 |
| Return on Equity (ROE) | 10.5453% | 2,195 |
| Retained earnings to average equity (ytd only) | -4.2119% | 5,031 |
| Net charge-offs to loans | -0.0215% | 4,596 |
| Credit loss provision to net charge-offs | -916.6667% | 4,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2632% | 3,590 |
| Assets per employee ($millions) | 5.0016% | 2,565 |
| Cash dividends to net income (ytd only)* | 139.9408% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 986 |
| Loan loss allowance to noncurrent loans | 1,763.8889% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 4,456 |
| Noncurrent loans to loans | 0.0910% | 4,242 |
| Net loans and leases to total assets | 55.5860% | 4,072 |
| Net loans and leases to deposits | 63.5888% | 4,203 |
| Net loans and leases to core deposits | 72.6677% | 3,909 |
| Total domestic deposits to total assets | 87.4148% | 1,303 |
| Equity capital to assets | 12.3467% | 2,008 |
| Core capital (leverage) ratio | 11.9628% | 1,873 |
| Tier 1 risk-based capital ratio | 21.0631% | 1,186 |
| Total risk-based capital ratio | 22.3163% | 1,166 |
| Memoranda: | ||
| Average total assets | $135,391,000 | 3,536 |
| Average earning assets | $128,103,750 | 3,487 |
| Average equity | $17,094,000 | 3,449 |
| Average total loans | $74,574,000 | 3,731 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 3,666 |
| Cost of funding earning assets | 0.3880% | 4,554 |
| Net interest margin | 3.9007% | 2,245 |
| Noninterest income to average assets | 0.3512% | 3,588 |
| Noninterest expense to average assets | 2.5090% | 3,443 |
| Loan and lease loss provision to assets | 0.1195% | 1,564 |
| Net operating income to assets | 1.2029% | 2,141 |
| Return on assets (ROA) | 1.2194% | 2,129 |
| Pretax return on assets | 1.4375% | 2,076 |
| Return on Equity (ROE) | 9.5840% | 2,599 |
| Retained earnings to average equity (ytd only) | -12.6378% | 5,201 |
| Net charge-offs to loans | -0.0301% | 4,679 |
| Credit loss provision to net charge-offs | -727.2727% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0015% | 3,431 |
| Assets per employee ($millions) | 5.1027% | 2,357 |
| Cash dividends to net income (ytd only)* | 231.8627% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 910 |
| Loan loss allowance to noncurrent loans | 531.7597% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 3,923 |
| Noncurrent loans to loans | 0.3110% | 3,427 |
| Net loans and leases to total assets | 53.4832% | 4,248 |
| Net loans and leases to deposits | 60.9373% | 4,381 |
| Net loans and leases to core deposits | 69.6208% | 4,127 |
| Total domestic deposits to total assets | 87.7676% | 1,211 |
| Equity capital to assets | 12.0357% | 2,157 |
| Core capital (leverage) ratio | 11.9307% | 1,870 |
| Tier 1 risk-based capital ratio | 21.5512% | 1,113 |
| Total risk-based capital ratio | 22.8052% | 1,087 |
| Memoranda: | ||
| Average total assets | $133,839,330 | 3,571 |
| Average earning assets | $126,796,330 | 3,522 |
| Average equity | $17,028,330 | 3,465 |
| Average total loans | $73,060,000 | 3,780 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 3,890 |
| Cost of funding earning assets | 0.3561% | 4,658 |
| Net interest margin | 3.8372% | 2,384 |
| Noninterest income to average assets | 0.3519% | 3,505 |
| Noninterest expense to average assets | 2.4964% | 3,522 |
| Loan and lease loss provision to assets | 0.1213% | 1,445 |
| Net operating income to assets | 1.1989% | 2,061 |
| Return on assets (ROA) | 1.2042% | 2,089 |
| Pretax return on assets | 1.3680% | 2,202 |
| Return on Equity (ROE) | 9.2050% | 2,709 |
| Retained earnings to average equity (ytd only) | 9.2050% | 1,248 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7287% | 3,423 |
| Assets per employee ($millions) | 5.2526% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 983 |
| Loan loss allowance to noncurrent loans | 1,650.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,545 |
| Noncurrent loans to loans | 0.0995% | 4,295 |
| Net loans and leases to total assets | 54.1842% | 4,200 |
| Net loans and leases to deposits | 62.6597% | 4,263 |
| Net loans and leases to core deposits | 69.3570% | 4,118 |
| Total domestic deposits to total assets | 86.4737% | 2,087 |
| Equity capital to assets | 13.3671% | 1,261 |
| Core capital (leverage) ratio | 13.5635% | 1,073 |
| Tier 1 risk-based capital ratio | 24.0886% | 836 |
| Total risk-based capital ratio | 25.3430% | 817 |
| Memoranda: | ||
| Average total assets | $131,872,000 | 3,635 |
| Average earning assets | $124,673,500 | 3,588 |
| Average equity | $17,251,500 | 3,452 |
| Average total loans | $72,127,500 | 3,837 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 3,304 |
| Cost of funding earning assets | 0.2516% | 4,796 |
| Net interest margin | 3.9918% | 2,007 |
| Noninterest income to average assets | 0.3558% | 3,719 |
| Noninterest expense to average assets | 2.5077% | 3,593 |
| Loan and lease loss provision to assets | 0.0903% | 2,341 |
| Net operating income to assets | 1.2435% | 2,000 |
| Return on assets (ROA) | 1.2409% | 2,000 |
| Pretax return on assets | 1.5174% | 1,720 |
| Return on Equity (ROE) | 9.5114% | 2,739 |
| Retained earnings to average equity (ytd only) | 4.5149% | 3,044 |
| Net charge-offs to loans | 0.0113% | 3,298 |
| Credit loss provision to net charge-offs | 1,437.5000% | 294 |
| Earnings coverage of net charge-offs (x) | 256.3750% | 373 |
| Efficiency ratio | 60.8886% | 3,712 |
| Assets per employee ($millions) | 4.4143% | 3,290 |
| Cash dividends to net income (ytd only)* | 52.5316% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 1,036 |
| Loan loss allowance to noncurrent loans | 114,900.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,934 |
| Noncurrent loans to loans | 0.0014% | 4,829 |
| Net loans and leases to total assets | 53.4369% | 4,320 |
| Net loans and leases to deposits | 61.4032% | 4,407 |
| Net loans and leases to core deposits | 65.8864% | 4,365 |
| Total domestic deposits to total assets | 87.0263% | 1,775 |
| Equity capital to assets | 12.7993% | 1,438 |
| Core capital (leverage) ratio | 12.7630% | 1,334 |
| Tier 1 risk-based capital ratio | 23.5643% | 860 |
| Total risk-based capital ratio | 24.8171% | 834 |
| Memoranda: | ||
| Average total assets | $127,326,800 | 3,678 |
| Average earning assets | $120,019,600 | 3,644 |
| Average equity | $16,611,600 | 3,447 |
| Average total loans | $70,504,600 | 3,861 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 3,366 |
| Cost of funding earning assets | 0.2292% | 4,894 |
| Net interest margin | 3.9574% | 2,097 |
| Noninterest income to average assets | 0.3596% | 3,729 |
| Noninterest expense to average assets | 2.4825% | 3,647 |
| Loan and lease loss provision to assets | 0.0899% | 2,181 |
| Net operating income to assets | 1.2357% | 2,105 |
| Return on assets (ROA) | 1.2323% | 2,117 |
| Pretax return on assets | 1.5094% | 1,869 |
| Return on Equity (ROE) | 9.3985% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.3817% | 1,937 |
| Net charge-offs to loans | 0.0152% | 2,880 |
| Credit loss provision to net charge-offs | 1,062.5000% | 399 |
| Earnings coverage of net charge-offs (x) | 189.4358% | 456 |
| Efficiency ratio | 60.7559% | 3,695 |
| Assets per employee ($millions) | 4.5131% | 3,106 |
| Cash dividends to net income (ytd only)* | 21.4596% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 1,252 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,964 |
| Noncurrent loans to loans | 0.0178% | 4,834 |
| Net loans and leases to total assets | 56.8736% | 4,146 |
| Net loans and leases to deposits | 65.6485% | 4,227 |
| Net loans and leases to core deposits | 70.7612% | 4,139 |
| Total domestic deposits to total assets | 86.6335% | 1,905 |
| Equity capital to assets | 13.1774% | 1,262 |
| Core capital (leverage) ratio | 13.7943% | 998 |
| Tier 1 risk-based capital ratio | 23.4410% | 900 |
| Total risk-based capital ratio | 24.6941% | 879 |
| Memoranda: | ||
| Average total assets | $126,051,250 | 3,727 |
| Average earning assets | $118,694,750 | 3,708 |
| Average equity | $16,527,000 | 3,484 |
| Average total loans | $70,152,000 | 3,906 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,449 |
| Cost of funding earning assets | 0.2040% | 5,009 |
| Net interest margin | 3.8950% | 2,216 |
| Noninterest income to average assets | 0.3557% | 3,786 |
| Noninterest expense to average assets | 2.4471% | 3,782 |
| Loan and lease loss provision to assets | 0.0794% | 2,318 |
| Net operating income to assets | 1.2229% | 2,086 |
| Return on assets (ROA) | 1.2164% | 2,117 |
| Pretax return on assets | 1.4895% | 1,852 |
| Return on Equity (ROE) | 9.2931% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.2601% | 2,437 |
| Net charge-offs to loans | 0.0202% | 2,480 |
| Credit loss provision to net charge-offs | 714.2857% | 548 |
| Earnings coverage of net charge-offs (x) | 141.8571% | 540 |
| Efficiency ratio | 60.8129% | 3,794 |
| Assets per employee ($millions) | 4.9143% | 2,534 |
| Cash dividends to net income (ytd only)* | 32.6371% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 1,293 |
| Loan loss allowance to noncurrent loans | 12,044.4444% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 5,013 |
| Noncurrent loans to loans | 0.0127% | 4,890 |
| Net loans and leases to total assets | 54.5100% | 4,292 |
| Net loans and leases to deposits | 62.6853% | 4,377 |
| Net loans and leases to core deposits | 67.6795% | 4,276 |
| Total domestic deposits to total assets | 86.9581% | 1,858 |
| Equity capital to assets | 12.9096% | 1,339 |
| Core capital (leverage) ratio | 13.3568% | 1,114 |
| Tier 1 risk-based capital ratio | 23.8016% | 854 |
| Total risk-based capital ratio | 25.0550% | 823 |
| Memoranda: | ||
| Average total assets | $125,945,670 | 3,759 |
| Average earning assets | $118,613,000 | 3,739 |
| Average equity | $16,485,330 | 3,506 |
| Average total loans | $69,206,670 | 3,949 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 3,567 |
| Cost of funding earning assets | 0.1939% | 5,048 |
| Net interest margin | 3.8167% | 2,349 |
| Noninterest income to average assets | 0.3583% | 3,748 |
| Noninterest expense to average assets | 2.4922% | 3,673 |
| Loan and lease loss provision to assets | 0.0640% | 2,490 |
| Net operating income to assets | 1.1485% | 2,227 |
| Return on assets (ROA) | 1.1485% | 2,238 |
| Pretax return on assets | 1.3916% | 2,039 |
| Return on Equity (ROE) | 8.7133% | 3,050 |
| Retained earnings to average equity (ytd only) | 8.7133% | 1,571 |
| Net charge-offs to loans | -0.0292% | 4,725 |
| Credit loss provision to net charge-offs | -400.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1280% | 3,612 |
| Assets per employee ($millions) | 4.8119% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 1,236 |
| Loan loss allowance to noncurrent loans | 4,845.4545% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 5,032 |
| Noncurrent loans to loans | 0.0323% | 4,833 |
| Net loans and leases to total assets | 53.5613% | 4,322 |
| Net loans and leases to deposits | 61.7877% | 4,355 |
| Net loans and leases to core deposits | 66.8356% | 4,263 |
| Total domestic deposits to total assets | 86.6860% | 2,244 |
| Equity capital to assets | 13.1725% | 1,167 |
| Core capital (leverage) ratio | 13.8098% | 915 |
| Tier 1 risk-based capital ratio | 24.3475% | 810 |
| Total risk-based capital ratio | 25.6012% | 788 |
| Memoranda: | ||
| Average total assets | $125,032,000 | 3,817 |
| Average earning assets | $117,587,500 | 3,789 |
| Average equity | $16,480,500 | 3,528 |
| Average total loans | $68,443,500 | 3,996 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 2,993 |
| Cost of funding earning assets | 0.1607% | 5,206 |
| Net interest margin | 3.9576% | 1,891 |
| Noninterest income to average assets | 0.3846% | 3,733 |
| Noninterest expense to average assets | 2.5264% | 3,690 |
| Loan and lease loss provision to assets | 0.0684% | 2,834 |
| Net operating income to assets | 1.1681% | 1,624 |
| Return on assets (ROA) | 1.1755% | 1,616 |
| Pretax return on assets | 1.5255% | 1,541 |
| Return on Equity (ROE) | 8.9544% | 2,340 |
| Retained earnings to average equity (ytd only) | 4.7867% | 2,268 |
| Net charge-offs to loans | 0.5433% | 432 |
| Credit loss provision to net charge-offs | 22.7882% | 3,591 |
| Earnings coverage of net charge-offs (x) | 5.2788% | 3,351 |
| Efficiency ratio | 61.4602% | 4,025 |
| Assets per employee ($millions) | 4.8060% | 2,729 |
| Cash dividends to net income (ytd only)* | 46.5435% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,365 |
| Loan loss allowance to noncurrent loans | 3,717.8571% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,042 |
| Noncurrent loans to loans | 0.0407% | 4,827 |
| Net loans and leases to total assets | 54.2355% | 4,343 |
| Net loans and leases to deposits | 62.5675% | 4,402 |
| Net loans and leases to core deposits | 67.9221% | 4,304 |
| Total domestic deposits to total assets | 86.6832% | 2,159 |
| Equity capital to assets | 13.1895% | 1,173 |
| Core capital (leverage) ratio | 13.4436% | 990 |
| Tier 1 risk-based capital ratio | 23.7245% | 842 |
| Total risk-based capital ratio | 24.9770% | 826 |
| Memoranda: | ||
| Average total assets | $124,285,800 | 3,833 |
| Average earning assets | $117,016,600 | 3,803 |
| Average equity | $16,316,000 | 3,555 |
| Average total loans | $68,651,800 | 3,998 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 2,909 |
| Cost of funding earning assets | 0.1550% | 5,287 |
| Net interest margin | 3.9674% | 1,810 |
| Noninterest income to average assets | 0.3899% | 3,755 |
| Noninterest expense to average assets | 2.5341% | 3,613 |
| Loan and lease loss provision to assets | 0.0483% | 3,127 |
| Net operating income to assets | 1.1591% | 1,846 |
| Return on assets (ROA) | 1.1687% | 1,850 |
| Pretax return on assets | 1.5608% | 1,540 |
| Return on Equity (ROE) | 8.9134% | 2,656 |
| Retained earnings to average equity (ytd only) | 7.4388% | 1,467 |
| Net charge-offs to loans | 0.7268% | 255 |
| Credit loss provision to net charge-offs | 12.0321% | 3,212 |
| Earnings coverage of net charge-offs (x) | 3.9733% | 3,282 |
| Efficiency ratio | 61.3524% | 3,986 |
| Assets per employee ($millions) | 5.0867% | 2,343 |
| Cash dividends to net income (ytd only)* | 16.5438% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,743 |
| Loan loss allowance to noncurrent loans | 2,272.7273% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,053 |
| Noncurrent loans to loans | 0.0633% | 4,827 |
| Net loans and leases to total assets | 56.1042% | 4,228 |
| Net loans and leases to deposits | 65.1876% | 4,306 |
| Net loans and leases to core deposits | 70.8448% | 4,198 |
| Total domestic deposits to total assets | 86.0657% | 2,284 |
| Equity capital to assets | 13.7467% | 1,062 |
| Core capital (leverage) ratio | 13.5800% | 996 |
| Tier 1 risk-based capital ratio | 23.8567% | 864 |
| Total risk-based capital ratio | 25.1096% | 847 |
| Memoranda: | ||
| Average total assets | $124,118,500 | 3,876 |
| Average earning assets | $117,016,000 | 3,841 |
| Average equity | $16,274,750 | 3,593 |
| Average total loans | $68,612,000 | 4,027 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,074 |
| Cost of funding earning assets | 0.1528% | 5,323 |
| Net interest margin | 3.8799% | 2,002 |
| Noninterest income to average assets | 0.3894% | 3,754 |
| Noninterest expense to average assets | 2.5722% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1074% | 1,940 |
| Return on assets (ROA) | 1.1218% | 1,934 |
| Pretax return on assets | 1.4984% | 1,643 |
| Return on Equity (ROE) | 8.6926% | 2,672 |
| Retained earnings to average equity (ytd only) | 6.4574% | 1,871 |
| Net charge-offs to loans | 0.0117% | 3,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 230.7500% | 367 |
| Efficiency ratio | 63.4889% | 3,763 |
| Assets per employee ($millions) | 4.7825% | 2,674 |
| Cash dividends to net income (ytd only)* | 25.7143% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9448% | 666 |
| Loan loss allowance to noncurrent loans | 294.4444% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 3,671 |
| Noncurrent loans to loans | 0.6605% | 2,767 |
| Net loans and leases to total assets | 53.7271% | 4,418 |
| Net loans and leases to deposits | 62.0370% | 4,501 |
| Net loans and leases to core deposits | 67.8898% | 4,357 |
| Total domestic deposits to total assets | 86.6050% | 2,129 |
| Equity capital to assets | 13.2647% | 1,244 |
| Core capital (leverage) ratio | 13.1656% | 1,114 |
| Tier 1 risk-based capital ratio | 23.7421% | 879 |
| Total risk-based capital ratio | 25.0011% | 866 |
| Memoranda: | ||
| Average total assets | $124,798,000 | 3,883 |
| Average earning assets | $117,787,000 | 3,840 |
| Average equity | $16,105,670 | 3,627 |
| Average total loans | $68,318,670 | 4,051 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 2,943 |
| Cost of funding earning assets | 0.1528% | 5,352 |
| Net interest margin | 3.8737% | 1,877 |
| Noninterest income to average assets | 0.3903% | 3,735 |
| Noninterest expense to average assets | 2.5691% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0726% | 1,969 |
| Return on assets (ROA) | 1.1006% | 1,910 |
| Pretax return on assets | 1.5101% | 1,505 |
| Return on Equity (ROE) | 8.6478% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.6478% | 1,211 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5788% | 3,905 |
| Assets per employee ($millions) | 4.5238% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 733 |
| Loan loss allowance to noncurrent loans | 281.7797% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 3,713 |
| Noncurrent loans to loans | 0.6920% | 2,770 |
| Net loans and leases to total assets | 52.7991% | 4,446 |
| Net loans and leases to deposits | 60.6172% | 4,523 |
| Net loans and leases to core deposits | 66.6763% | 4,384 |
| Total domestic deposits to total assets | 87.1024% | 2,159 |
| Equity capital to assets | 12.7034% | 1,400 |
| Core capital (leverage) ratio | 12.8845% | 1,192 |
| Tier 1 risk-based capital ratio | 23.1638% | 955 |
| Total risk-based capital ratio | 24.4214% | 942 |
| Memoranda: | ||
| Average total assets | $125,024,500 | 3,919 |
| Average earning assets | $117,820,000 | 3,876 |
| Average equity | $15,911,500 | 3,673 |
| Average total loans | $68,412,000 | 4,086 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 3,264 |
| Cost of funding earning assets | 0.1484% | 5,437 |
| Net interest margin | 3.8331% | 2,196 |
| Noninterest income to average assets | 0.4081% | 3,816 |
| Noninterest expense to average assets | 2.6137% | 3,636 |
| Loan and lease loss provision to assets | 0.0750% | 2,853 |
| Net operating income to assets | 1.0198% | 2,264 |
| Return on assets (ROA) | 1.0594% | 2,202 |
| Pretax return on assets | 1.4012% | 1,937 |
| Return on Equity (ROE) | 8.5176% | 2,663 |
| Retained earnings to average equity (ytd only) | 5.5980% | 1,946 |
| Net charge-offs to loans | 0.0391% | 3,242 |
| Credit loss provision to net charge-offs | 365.3846% | 850 |
| Earnings coverage of net charge-offs (x) | 69.3846% | 802 |
| Efficiency ratio | 64.7312% | 3,811 |
| Assets per employee ($millions) | 4.5697% | 3,016 |
| Cash dividends to net income (ytd only)* | 34.2772% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9369% | 747 |
| Loan loss allowance to noncurrent loans | 275.7261% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 3,707 |
| Noncurrent loans to loans | 0.7025% | 2,784 |
| Net loans and leases to total assets | 54.5347% | 4,393 |
| Net loans and leases to deposits | 62.5899% | 4,502 |
| Net loans and leases to core deposits | 68.8827% | 4,333 |
| Total domestic deposits to total assets | 87.1302% | 2,073 |
| Equity capital to assets | 12.7506% | 1,369 |
| Core capital (leverage) ratio | 12.6362% | 1,284 |
| Tier 1 risk-based capital ratio | 22.6477% | 1,003 |
| Total risk-based capital ratio | 23.9057% | 986 |
| Memoranda: | ||
| Average total assets | $126,677,400 | 3,888 |
| Average earning assets | $119,953,800 | 3,828 |
| Average equity | $15,755,600 | 3,726 |
| Average total loans | $66,510,600 | 4,131 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,323 |
| Cost of funding earning assets | 0.1489% | 5,491 |
| Net interest margin | 3.8221% | 2,254 |
| Noninterest income to average assets | 0.4120% | 3,831 |
| Noninterest expense to average assets | 2.6038% | 3,648 |
| Loan and lease loss provision to assets | 0.0993% | 2,241 |
| Net operating income to assets | 0.9799% | 2,518 |
| Return on assets (ROA) | 1.0248% | 2,448 |
| Pretax return on assets | 1.3939% | 2,055 |
| Return on Equity (ROE) | 8.2900% | 2,858 |
| Retained earnings to average equity (ytd only) | 6.9366% | 1,663 |
| Net charge-offs to loans | 0.0364% | 2,900 |
| Credit loss provision to net charge-offs | 527.7778% | 677 |
| Earnings coverage of net charge-offs (x) | 76.1092% | 815 |
| Efficiency ratio | 64.5078% | 3,849 |
| Assets per employee ($millions) | 4.4213% | 3,215 |
| Cash dividends to net income (ytd only)* | 16.3267% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9857% | 741 |
| Loan loss allowance to noncurrent loans | 263.7081% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 3,789 |
| Noncurrent loans to loans | 0.7530% | 2,787 |
| Net loans and leases to total assets | 53.3103% | 4,554 |
| Net loans and leases to deposits | 61.5422% | 4,660 |
| Net loans and leases to core deposits | 67.7424% | 4,487 |
| Total domestic deposits to total assets | 86.6240% | 2,073 |
| Equity capital to assets | 13.1321% | 1,423 |
| Core capital (leverage) ratio | 12.2910% | 1,486 |
| Tier 1 risk-based capital ratio | 22.6738% | 1,046 |
| Total risk-based capital ratio | 23.9322% | 1,032 |
| Memoranda: | ||
| Average total assets | $127,501,250 | 3,900 |
| Average earning assets | $120,908,000 | 3,833 |
| Average equity | $15,761,500 | 3,753 |
| Average total loans | $65,984,500 | 4,167 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 3,623 |
| Cost of funding earning assets | 0.1457% | 5,574 |
| Net interest margin | 3.7502% | 2,513 |
| Noninterest income to average assets | 0.3977% | 3,883 |
| Noninterest expense to average assets | 2.5649% | 3,836 |
| Loan and lease loss provision to assets | 0.1476% | 1,553 |
| Net operating income to assets | 0.9298% | 2,726 |
| Return on assets (ROA) | 0.9694% | 2,668 |
| Pretax return on assets | 1.2972% | 2,417 |
| Return on Equity (ROE) | 8.0019% | 2,970 |
| Retained earnings to average equity (ytd only) | 5.9501% | 2,141 |
| Net charge-offs to loans | 0.0580% | 2,357 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 47.1579% | 1,032 |
| Efficiency ratio | 64.8214% | 3,874 |
| Assets per employee ($millions) | 4.4871% | 3,053 |
| Cash dividends to net income (ytd only)* | 25.6410% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0143% | 713 |
| Loan loss allowance to noncurrent loans | 246.4945% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 3,676 |
| Noncurrent loans to loans | 0.8172% | 2,700 |
| Net loans and leases to total assets | 49.9431% | 4,843 |
| Net loans and leases to deposits | 57.1086% | 4,946 |
| Net loans and leases to core deposits | 62.4942% | 4,854 |
| Total domestic deposits to total assets | 87.4529% | 1,688 |
| Equity capital to assets | 12.3181% | 1,894 |
| Core capital (leverage) ratio | 12.0465% | 1,599 |
| Tier 1 risk-based capital ratio | 21.9813% | 1,138 |
| Total risk-based capital ratio | 23.2402% | 1,122 |
| Memoranda: | ||
| Average total assets | $128,736,330 | 3,906 |
| Average earning assets | $122,179,330 | 3,842 |
| Average equity | $15,596,330 | 3,789 |
| Average total loans | $65,535,000 | 4,205 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 3,787 |
| Cost of funding earning assets | 0.1480% | 5,627 |
| Net interest margin | 3.6970% | 2,680 |
| Noninterest income to average assets | 0.3905% | 3,902 |
| Noninterest expense to average assets | 2.5585% | 3,884 |
| Loan and lease loss provision to assets | 0.2187% | 879 |
| Net operating income to assets | 0.8778% | 2,862 |
| Return on assets (ROA) | 0.8778% | 2,976 |
| Pretax return on assets | 1.1246% | 2,995 |
| Return on Equity (ROE) | 7.3082% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.3082% | 1,747 |
| Net charge-offs to loans | -0.0061% | 4,355 |
| Credit loss provision to net charge-offs | -7,000.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5725% | 3,868 |
| Assets per employee ($millions) | 4.6100% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0936% | 691 |
| Loan loss allowance to noncurrent loans | 227.1331% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 3,610 |
| Noncurrent loans to loans | 0.9218% | 2,546 |
| Net loans and leases to total assets | 48.2205% | 4,955 |
| Net loans and leases to deposits | 54.9544% | 5,039 |
| Net loans and leases to core deposits | 59.5558% | 4,969 |
| Total domestic deposits to total assets | 87.7464% | 1,781 |
| Equity capital to assets | 12.0995% | 1,957 |
| Core capital (leverage) ratio | 11.7880% | 1,762 |
| Tier 1 risk-based capital ratio | 21.9056% | 1,173 |
| Total risk-based capital ratio | 23.1635% | 1,150 |
| Memoranda: | ||
| Average total assets | $128,041,500 | 3,948 |
| Average earning assets | $121,612,500 | 3,881 |
| Average equity | $15,380,000 | 3,827 |
| Average total loans | $65,140,000 | 4,239 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 3,749 |
| Cost of funding earning assets | 0.1461% | 5,707 |
| Net interest margin | 3.7420% | 2,595 |
| Noninterest income to average assets | 0.4629% | 3,578 |
| Noninterest expense to average assets | 2.5243% | 4,151 |
| Loan and lease loss provision to assets | 0.1286% | 1,873 |
| Net operating income to assets | 0.9822% | 2,457 |
| Return on assets (ROA) | 1.0186% | 2,344 |
| Pretax return on assets | 1.3919% | 1,933 |
| Return on Equity (ROE) | 8.7996% | 2,562 |
| Retained earnings to average equity (ytd only) | 5.9719% | 1,812 |
| Net charge-offs to loans | 0.0081% | 4,164 |
| Credit loss provision to net charge-offs | 3,300.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 377.4000% | 176 |
| Efficiency ratio | 63.1877% | 4,411 |
| Assets per employee ($millions) | 4.7038% | 2,724 |
| Cash dividends to net income (ytd only)* | 32.1347% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 974 |
| Loan loss allowance to noncurrent loans | 3,818.1818% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 5,346 |
| Noncurrent loans to loans | 0.0495% | 5,316 |
| Net loans and leases to total assets | 51.5311% | 4,734 |
| Net loans and leases to deposits | 58.5982% | 4,878 |
| Net loans and leases to core deposits | 63.2078% | 4,784 |
| Total domestic deposits to total assets | 87.9397% | 1,660 |
| Equity capital to assets | 11.9226% | 2,016 |
| Core capital (leverage) ratio | 11.5818% | 1,901 |
| Tier 1 risk-based capital ratio | 20.3265% | 1,420 |
| Total risk-based capital ratio | 21.5831% | 1,397 |
| Memoranda: | ||
| Average total assets | $128,311,400 | 3,922 |
| Average earning assets | $121,112,400 | 3,863 |
| Average equity | $14,853,000 | 3,860 |
| Average total loans | $62,089,400 | 4,318 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 3,925 |
| Cost of funding earning assets | 0.1472% | 5,801 |
| Net interest margin | 3.7053% | 2,747 |
| Noninterest income to average assets | 0.4167% | 3,958 |
| Noninterest expense to average assets | 2.4906% | 4,225 |
| Loan and lease loss provision to assets | 0.1347% | 1,667 |
| Net operating income to assets | 0.9583% | 2,678 |
| Return on assets (ROA) | 1.0043% | 2,540 |
| Pretax return on assets | 1.3485% | 2,217 |
| Return on Equity (ROE) | 8.7409% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.4780% | 1,457 |
| Net charge-offs to loans | 0.0131% | 3,720 |
| Credit loss provision to net charge-offs | 2,166.6667% | 174 |
| Earnings coverage of net charge-offs (x) | 228.4938% | 315 |
| Efficiency ratio | 63.6725% | 4,306 |
| Assets per employee ($millions) | 4.7890% | 2,575 |
| Cash dividends to net income (ytd only)* | 14.4477% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 1,269 |
| Loan loss allowance to noncurrent loans | 132.8990% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8221% | 2,817 |
| Noncurrent loans to loans | 1.3528% | 1,890 |
| Net loans and leases to total assets | 51.7065% | 4,779 |
| Net loans and leases to deposits | 58.6813% | 4,942 |
| Net loans and leases to core deposits | 63.0932% | 4,862 |
| Total domestic deposits to total assets | 88.1140% | 1,496 |
| Equity capital to assets | 11.7306% | 2,325 |
| Core capital (leverage) ratio | 11.5416% | 2,005 |
| Tier 1 risk-based capital ratio | 19.7471% | 1,612 |
| Total risk-based capital ratio | 21.0021% | 1,574 |
| Memoranda: | ||
| Average total assets | $128,638,500 | 3,957 |
| Average earning assets | $121,337,250 | 3,897 |
| Average equity | $14,780,750 | 3,909 |
| Average total loans | $60,935,250 | 4,399 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 4,155 |
| Cost of funding earning assets | 0.1472% | 5,869 |
| Net interest margin | 3.6269% | 2,988 |
| Noninterest income to average assets | 0.4096% | 4,010 |
| Noninterest expense to average assets | 2.4872% | 4,284 |
| Loan and lease loss provision to assets | 0.1324% | 1,656 |
| Net operating income to assets | 0.9282% | 2,741 |
| Return on assets (ROA) | 0.9749% | 2,623 |
| Pretax return on assets | 1.2662% | 2,487 |
| Return on Equity (ROE) | 8.5451% | 2,777 |
| Retained earnings to average equity (ytd only) | 6.6341% | 1,884 |
| Net charge-offs to loans | 0.0205% | 3,271 |
| Credit loss provision to net charge-offs | 1,416.6667% | 261 |
| Earnings coverage of net charge-offs (x) | 143.1667% | 444 |
| Efficiency ratio | 65.0244% | 4,189 |
| Assets per employee ($millions) | 5.1465% | 2,103 |
| Cash dividends to net income (ytd only)* | 22.3642% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 1,106 |
| Loan loss allowance to noncurrent loans | 344.7368% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 4,803 |
| Noncurrent loans to loans | 0.5603% | 3,772 |
| Net loans and leases to total assets | 46.5250% | 5,210 |
| Net loans and leases to deposits | 52.5983% | 5,343 |
| Net loans and leases to core deposits | 56.6636% | 5,269 |
| Total domestic deposits to total assets | 88.4535% | 1,424 |
| Equity capital to assets | 11.4136% | 2,487 |
| Core capital (leverage) ratio | 11.2305% | 2,221 |
| Tier 1 risk-based capital ratio | 20.5963% | 1,433 |
| Total risk-based capital ratio | 21.8522% | 1,408 |
| Memoranda: | ||
| Average total assets | $128,417,000 | 3,993 |
| Average earning assets | $120,929,670 | 3,932 |
| Average equity | $14,651,670 | 3,940 |
| Average total loans | $58,553,000 | 4,499 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7061% | 4,342 |
| Cost of funding earning assets | 0.1489% | 5,934 |
| Net interest margin | 3.5572% | 3,192 |
| Noninterest income to average assets | 0.4116% | 3,912 |
| Noninterest expense to average assets | 2.5161% | 4,215 |
| Loan and lease loss provision to assets | 0.1247% | 1,665 |
| Net operating income to assets | 0.9403% | 2,558 |
| Return on assets (ROA) | 0.9665% | 2,546 |
| Pretax return on assets | 1.1536% | 2,854 |
| Return on Equity (ROE) | 8.4728% | 2,712 |
| Retained earnings to average equity (ytd only) | 8.4728% | 1,386 |
| Net charge-offs to loans | 0.0070% | 3,095 |
| Credit loss provision to net charge-offs | 4,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 138 |
| Efficiency ratio | 66.8600% | 4,005 |
| Assets per employee ($millions) | 4.9793% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 1,156 |
| Loan loss allowance to noncurrent loans | 248.6900% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 4,589 |
| Noncurrent loans to loans | 0.7889% | 3,277 |
| Net loans and leases to total assets | 43.9627% | 5,351 |
| Net loans and leases to deposits | 49.8036% | 5,471 |
| Net loans and leases to core deposits | 53.7614% | 5,382 |
| Total domestic deposits to total assets | 88.2722% | 1,676 |
| Equity capital to assets | 11.4883% | 2,471 |
| Core capital (leverage) ratio | 10.9710% | 2,441 |
| Tier 1 risk-based capital ratio | 21.2044% | 1,379 |
| Total risk-based capital ratio | 22.4373% | 1,358 |
| Memoranda: | ||
| Average total assets | $128,294,500 | 4,019 |
| Average earning assets | $120,881,500 | 3,957 |
| Average equity | $14,635,000 | 3,971 |
| Average total loans | $57,310,000 | 4,570 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 4,661 |
| Cost of funding earning assets | 0.1604% | 6,040 |
| Net interest margin | 3.5839% | 3,463 |
| Noninterest income to average assets | 0.4542% | 3,803 |
| Noninterest expense to average assets | 2.5525% | 4,387 |
| Loan and lease loss provision to assets | 0.0847% | 2,783 |
| Net operating income to assets | 0.9152% | 2,802 |
| Return on assets (ROA) | 0.9326% | 2,800 |
| Pretax return on assets | 1.2109% | 2,604 |
| Return on Equity (ROE) | 8.4470% | 2,883 |
| Retained earnings to average equity (ytd only) | 5.4876% | 2,269 |
| Net charge-offs to loans | 0.0168% | 4,534 |
| Credit loss provision to net charge-offs | 1,312.5000% | 218 |
| Earnings coverage of net charge-offs (x) | 197.2500% | 273 |
| Efficiency ratio | 66.7229% | 4,104 |
| Assets per employee ($millions) | 5.0851% | 2,222 |
| Cash dividends to net income (ytd only)* | 35.0346% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 1,216 |
| Loan loss allowance to noncurrent loans | 2,442.2222% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 5,900 |
| Noncurrent loans to loans | 0.0796% | 5,569 |
| Net loans and leases to total assets | 43.6312% | 5,489 |
| Net loans and leases to deposits | 49.3036% | 5,617 |
| Net loans and leases to core deposits | 53.0292% | 5,557 |
| Total domestic deposits to total assets | 88.4950% | 1,528 |
| Equity capital to assets | 11.3249% | 2,584 |
| Core capital (leverage) ratio | 11.1192% | 2,292 |
| Tier 1 risk-based capital ratio | 20.8203% | 1,440 |
| Total risk-based capital ratio | 22.0757% | 1,412 |
| Memoranda: | ||
| Average total assets | $123,954,600 | 4,101 |
| Average earning assets | $116,606,200 | 4,035 |
| Average equity | $13,685,400 | 4,075 |
| Average total loans | $47,719,800 | 4,891 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6407% | 5,034 |
| Cost of funding earning assets | 0.1622% | 6,113 |
| Net interest margin | 3.4785% | 3,907 |
| Noninterest income to average assets | 0.4568% | 3,844 |
| Noninterest expense to average assets | 2.5299% | 4,430 |
| Loan and lease loss provision to assets | 0.0812% | 2,724 |
| Net operating income to assets | 0.8817% | 3,011 |
| Return on assets (ROA) | 0.8834% | 3,105 |
| Pretax return on assets | 1.1204% | 3,103 |
| Return on Equity (ROE) | 8.0546% | 3,174 |
| Retained earnings to average equity (ytd only) | 6.7713% | 1,944 |
| Net charge-offs to loans | -0.0059% | 5,326 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8374% | 3,890 |
| Assets per employee ($millions) | 4.8750% | 2,403 |
| Cash dividends to net income (ytd only)* | 15.9315% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2163% | 924 |
| Loan loss allowance to noncurrent loans | 200.1855% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 4,579 |
| Noncurrent loans to loans | 1.1071% | 2,856 |
| Net loans and leases to total assets | 39.0605% | 5,878 |
| Net loans and leases to deposits | 44.2990% | 5,956 |
| Net loans and leases to core deposits | 48.9527% | 5,839 |
| Total domestic deposits to total assets | 88.1748% | 1,676 |
| Equity capital to assets | 11.6882% | 2,322 |
| Core capital (leverage) ratio | 11.1788% | 2,325 |
| Tier 1 risk-based capital ratio | 22.9002% | 1,127 |
| Total risk-based capital ratio | 24.1572% | 1,106 |
| Memoranda: | ||
| Average total assets | $123,161,500 | 4,153 |
| Average earning assets | $115,871,500 | 4,095 |
| Average equity | $13,507,500 | 4,128 |
| Average total loans | $45,508,250 | 5,026 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5725% | 5,228 |
| Cost of funding earning assets | 0.1616% | 6,183 |
| Net interest margin | 3.4109% | 4,133 |
| Noninterest income to average assets | 0.4402% | 3,943 |
| Noninterest expense to average assets | 2.5326% | 4,477 |
| Loan and lease loss provision to assets | 0.0744% | 2,788 |
| Net operating income to assets | 0.8550% | 3,046 |
| Return on assets (ROA) | 0.8577% | 3,127 |
| Pretax return on assets | 1.0470% | 3,293 |
| Return on Equity (ROE) | 7.9930% | 3,101 |
| Retained earnings to average equity (ytd only) | 6.0324% | 2,304 |
| Net charge-offs to loans | -0.0045% | 5,157 |
| Credit loss provision to net charge-offs | -4,600.0000% | 5,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3706% | 3,765 |
| Assets per employee ($millions) | 5.0187% | 2,193 |
| Cash dividends to net income (ytd only)* | 24.5283% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3439% | 857 |
| Loan loss allowance to noncurrent loans | 97.9458% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 3,407 |
| Noncurrent loans to loans | 2.3930% | 1,328 |
| Net loans and leases to total assets | 34.8347% | 6,114 |
| Net loans and leases to deposits | 39.1989% | 6,181 |
| Net loans and leases to core deposits | 43.1485% | 6,108 |
| Total domestic deposits to total assets | 88.8664% | 1,437 |
| Equity capital to assets | 11.0204% | 2,855 |
| Core capital (leverage) ratio | 11.0879% | 2,344 |
| Tier 1 risk-based capital ratio | 24.5881% | 920 |
| Total risk-based capital ratio | 25.8465% | 902 |
| Memoranda: | ||
| Average total assets | $123,590,330 | 4,168 |
| Average earning assets | $116,334,000 | 4,100 |
| Average equity | $13,261,670 | 4,173 |
| Average total loans | $44,449,670 | 5,104 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 5,239 |
| Cost of funding earning assets | 0.1594% | 6,298 |
| Net interest margin | 3.4139% | 4,058 |
| Noninterest income to average assets | 0.4207% | 4,027 |
| Noninterest expense to average assets | 2.5601% | 4,415 |
| Loan and lease loss provision to assets | 0.0326% | 3,392 |
| Net operating income to assets | 0.9103% | 2,609 |
| Return on assets (ROA) | 0.9132% | 2,658 |
| Pretax return on assets | 1.0436% | 3,154 |
| Return on Equity (ROE) | 8.6293% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.6293% | 1,372 |
| Net charge-offs to loans | -0.0090% | 5,019 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4668% | 3,747 |
| Assets per employee ($millions) | 5.1987% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3102% | 1,012 |
| Loan loss allowance to noncurrent loans | 78.5271% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0467% | 3,161 |
| Noncurrent loans to loans | 2.9419% | 1,096 |
| Net loans and leases to total assets | 34.3322% | 6,164 |
| Net loans and leases to deposits | 38.4780% | 6,225 |
| Net loans and leases to core deposits | 42.3595% | 6,146 |
| Total domestic deposits to total assets | 89.2257% | 1,517 |
| Equity capital to assets | 10.6781% | 3,065 |
| Core capital (leverage) ratio | 10.9532% | 2,429 |
| Tier 1 risk-based capital ratio | 24.1534% | 978 |
| Total risk-based capital ratio | 25.4096% | 961 |
| Memoranda: | ||
| Average total assets | $122,652,000 | 4,222 |
| Average earning assets | $115,411,000 | 4,152 |
| Average equity | $12,979,000 | 4,241 |
| Average total loans | $44,297,000 | 5,155 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3409% | 5,929 |
| Cost of funding earning assets | 0.1854% | 6,362 |
| Net interest margin | 3.1554% | 5,146 |
| Noninterest income to average assets | 0.4635% | 4,004 |
| Noninterest expense to average assets | 2.4253% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8657% | 2,946 |
| Return on assets (ROA) | 0.9286% | 2,727 |
| Pretax return on assets | 1.0812% | 3,022 |
| Return on Equity (ROE) | 8.8578% | 2,615 |
| Retained earnings to average equity (ytd only) | 5.9155% | 2,020 |
| Net charge-offs to loans | -0.0023% | 5,862 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6383% | 3,736 |
| Assets per employee ($millions) | 4.8214% | 2,420 |
| Cash dividends to net income (ytd only)* | 33.2168% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2394% | 1,126 |
| Loan loss allowance to noncurrent loans | 60.2526% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.3938% | 2,658 |
| Noncurrent loans to loans | 3.7166% | 810 |
| Net loans and leases to total assets | 36.2907% | 6,189 |
| Net loans and leases to deposits | 40.5915% | 6,280 |
| Net loans and leases to core deposits | 44.3340% | 6,210 |
| Total domestic deposits to total assets | 89.4047% | 1,382 |
| Equity capital to assets | 10.4824% | 3,185 |
| Core capital (leverage) ratio | 10.7914% | 2,584 |
| Tier 1 risk-based capital ratio | 23.3253% | 1,048 |
| Total risk-based capital ratio | 24.5819% | 1,026 |
| Memoranda: | ||
| Average total assets | $123,201,800 | 4,210 |
| Average earning assets | $115,958,200 | 4,132 |
| Average equity | $12,915,200 | 4,282 |
| Average total loans | $43,071,400 | 5,231 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2455% | 6,141 |
| Cost of funding earning assets | 0.1908% | 6,444 |
| Net interest margin | 3.0546% | 5,453 |
| Noninterest income to average assets | 0.4661% | 4,028 |
| Noninterest expense to average assets | 2.3971% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8457% | 3,122 |
| Return on assets (ROA) | 0.9042% | 2,926 |
| Pretax return on assets | 1.0118% | 3,465 |
| Return on Equity (ROE) | 8.6249% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.2901% | 1,745 |
| Net charge-offs to loans | -0.0031% | 5,723 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6999% | 3,462 |
| Assets per employee ($millions) | 4.9487% | 2,237 |
| Cash dividends to net income (ytd only)* | 15.4763% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4162% | 1,029 |
| Loan loss allowance to noncurrent loans | 63.7810% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.2836% | 3,077 |
| Noncurrent loans to loans | 3.7883% | 962 |
| Net loans and leases to total assets | 32.7101% | 6,420 |
| Net loans and leases to deposits | 36.4988% | 6,490 |
| Net loans and leases to core deposits | 40.3084% | 6,438 |
| Total domestic deposits to total assets | 89.6199% | 1,211 |
| Equity capital to assets | 10.2840% | 3,527 |
| Core capital (leverage) ratio | 10.5521% | 2,951 |
| Tier 1 risk-based capital ratio | 24.0332% | 1,000 |
| Total risk-based capital ratio | 25.2911% | 979 |
| Memoranda: | ||
| Average total assets | $123,868,500 | 4,227 |
| Average earning assets | $116,672,250 | 4,159 |
| Average equity | $12,985,250 | 4,313 |
| Average total loans | $42,653,000 | 5,292 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2146% | 6,211 |
| Cost of funding earning assets | 0.1930% | 6,512 |
| Net interest margin | 3.0216% | 5,515 |
| Noninterest income to average assets | 0.4664% | 4,046 |
| Noninterest expense to average assets | 2.4080% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8391% | 3,105 |
| Return on assets (ROA) | 0.9296% | 2,800 |
| Pretax return on assets | 1.0120% | 3,455 |
| Return on Equity (ROE) | 8.8123% | 2,706 |
| Retained earnings to average equity (ytd only) | 6.8234% | 1,969 |
| Net charge-offs to loans | 0.0046% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 566.0000% | 69 |
| Efficiency ratio | 72.4976% | 3,387 |
| Assets per employee ($millions) | 4.9335% | 2,185 |
| Cash dividends to net income (ytd only)* | 22.5694% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3407% | 1,192 |
| Loan loss allowance to noncurrent loans | 65.4022% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 3,251 |
| Noncurrent loans to loans | 3.5790% | 1,160 |
| Net loans and leases to total assets | 33.8276% | 6,421 |
| Net loans and leases to deposits | 37.7240% | 6,494 |
| Net loans and leases to core deposits | 41.7751% | 6,411 |
| Total domestic deposits to total assets | 89.6714% | 1,220 |
| Equity capital to assets | 10.2370% | 3,609 |
| Core capital (leverage) ratio | 10.3366% | 3,060 |
| Tier 1 risk-based capital ratio | 23.0963% | 1,120 |
| Total risk-based capital ratio | 24.3534% | 1,108 |
| Memoranda: | ||
| Average total assets | $123,919,000 | 4,259 |
| Average earning assets | $117,091,330 | 4,174 |
| Average equity | $13,072,670 | 4,335 |
| Average total loans | $43,047,330 | 5,299 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2740% | 6,200 |
| Cost of funding earning assets | 0.1974% | 6,585 |
| Net interest margin | 3.0766% | 5,342 |
| Noninterest income to average assets | 0.4412% | 4,174 |
| Noninterest expense to average assets | 2.4217% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7949% | 3,191 |
| Return on assets (ROA) | 0.9564% | 2,550 |
| Pretax return on assets | 1.1207% | 2,878 |
| Return on Equity (ROE) | 8.9350% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.9350% | 1,400 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2382% | 3,571 |
| Assets per employee ($millions) | 4.7502% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3304% | 1,363 |
| Loan loss allowance to noncurrent loans | 4,550.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 6,511 |
| Noncurrent loans to loans | 0.0512% | 6,324 |
| Net loans and leases to total assets | 33.9689% | 6,422 |
| Net loans and leases to deposits | 38.1585% | 6,501 |
| Net loans and leases to core deposits | 41.7339% | 6,411 |
| Total domestic deposits to total assets | 89.0206% | 1,671 |
| Equity capital to assets | 10.7729% | 3,230 |
| Core capital (leverage) ratio | 10.1650% | 3,190 |
| Tier 1 risk-based capital ratio | 22.8669% | 1,177 |
| Total risk-based capital ratio | 24.1243% | 1,154 |
| Memoranda: | ||
| Average total assets | $124,210,000 | 4,300 |
| Average earning assets | $117,530,500 | 4,210 |
| Average equity | $13,296,000 | 4,332 |
| Average total loans | $43,210,000 | 5,331 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 6,357 |
| Cost of funding earning assets | 0.3006% | 6,445 |
| Net interest margin | 3.1964% | 5,576 |
| Noninterest income to average assets | 0.4857% | 3,992 |
| Noninterest expense to average assets | 2.3770% | 5,478 |
| Loan and lease loss provision to assets | 0.0549% | 5,114 |
| Net operating income to assets | 0.7867% | 3,342 |
| Return on assets (ROA) | 0.8519% | 3,281 |
| Pretax return on assets | 1.1738% | 2,892 |
| Return on Equity (ROE) | 8.0413% | 3,062 |
| Retained earnings to average equity (ytd only) | 6.1856% | 1,979 |
| Net charge-offs to loans | -0.0993% | 6,824 |
| Credit loss provision to net charge-offs | -155.8140% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5984% | 4,219 |
| Assets per employee ($millions) | 4.8045% | 2,487 |
| Cash dividends to net income (ytd only)* | 23.0769% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3029% | 1,362 |
| Loan loss allowance to noncurrent loans | 1,668.3333% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 6,456 |
| Noncurrent loans to loans | 0.1380% | 6,139 |
| Net loans and leases to total assets | 33.9948% | 6,545 |
| Net loans and leases to deposits | 38.1811% | 6,629 |
| Net loans and leases to core deposits | 41.7092% | 6,556 |
| Total domestic deposits to total assets | 89.0358% | 1,540 |
| Equity capital to assets | 10.6367% | 3,355 |
| Core capital (leverage) ratio | 9.9857% | 3,422 |
| Tier 1 risk-based capital ratio | 22.4653% | 1,184 |
| Total risk-based capital ratio | 23.7229% | 1,162 |
| Memoranda: | ||
| Average total assets | $122,085,600 | 4,314 |
| Average earning assets | $115,755,200 | 4,216 |
| Average equity | $12,933,200 | 4,373 |
| Average total loans | $43,322,200 | 5,358 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5475% | 6,451 |
| Cost of funding earning assets | 0.3241% | 6,492 |
| Net interest margin | 3.2234% | 5,639 |
| Noninterest income to average assets | 0.4767% | 4,087 |
| Noninterest expense to average assets | 2.3584% | 5,521 |
| Loan and lease loss provision to assets | 0.0736% | 4,741 |
| Net operating income to assets | 0.7798% | 3,546 |
| Return on assets (ROA) | 0.8601% | 3,417 |
| Pretax return on assets | 1.2171% | 2,927 |
| Return on Equity (ROE) | 8.1276% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.0896% | 2,072 |
| Net charge-offs to loans | -0.1324% | 6,922 |
| Credit loss provision to net charge-offs | -155.8140% | 6,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6977% | 4,314 |
| Assets per employee ($millions) | 4.7682% | 2,507 |
| Cash dividends to net income (ytd only)* | 12.7714% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2507% | 1,608 |
| Loan loss allowance to noncurrent loans | 926.8519% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 6,514 |
| Noncurrent loans to loans | 0.2428% | 6,000 |
| Net loans and leases to total assets | 35.0678% | 6,610 |
| Net loans and leases to deposits | 39.4621% | 6,697 |
| Net loans and leases to core deposits | 43.2716% | 6,623 |
| Total domestic deposits to total assets | 88.8646% | 1,504 |
| Equity capital to assets | 10.7474% | 3,557 |
| Core capital (leverage) ratio | 9.9786% | 3,574 |
| Tier 1 risk-based capital ratio | 22.1263% | 1,308 |
| Total risk-based capital ratio | 23.3839% | 1,286 |
| Memoranda: | ||
| Average total assets | $121,378,000 | 4,366 |
| Average earning assets | $115,195,750 | 4,262 |
| Average equity | $12,844,750 | 4,429 |
| Average total loans | $43,286,250 | 5,423 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 6,481 |
| Cost of funding earning assets | 0.3569% | 6,481 |
| Net interest margin | 3.2454% | 5,606 |
| Noninterest income to average assets | 0.4697% | 4,136 |
| Noninterest expense to average assets | 2.3417% | 5,633 |
| Loan and lease loss provision to assets | 0.1112% | 4,138 |
| Net operating income to assets | 0.7705% | 3,509 |
| Return on assets (ROA) | 0.8646% | 3,332 |
| Pretax return on assets | 1.2297% | 2,807 |
| Return on Equity (ROE) | 8.2144% | 3,158 |
| Retained earnings to average equity (ytd only) | 6.6378% | 2,309 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9963% | 4,535 |
| Assets per employee ($millions) | 4.7094% | 2,554 |
| Cash dividends to net income (ytd only)* | 19.1939% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1965% | 1,776 |
| Loan loss allowance to noncurrent loans | 2,336.5854% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 6,752 |
| Noncurrent loans to loans | 0.0940% | 6,429 |
| Net loans and leases to total assets | 34.8369% | 6,679 |
| Net loans and leases to deposits | 39.0870% | 6,764 |
| Net loans and leases to core deposits | 43.0582% | 6,695 |
| Total domestic deposits to total assets | 89.1265% | 1,437 |
| Equity capital to assets | 10.5451% | 3,629 |
| Core capital (leverage) ratio | 10.0064% | 3,412 |
| Tier 1 risk-based capital ratio | 21.9385% | 1,308 |
| Total risk-based capital ratio | 23.1943% | 1,281 |
| Memoranda: | ||
| Average total assets | $120,512,670 | 4,413 |
| Average earning assets | $114,316,330 | 4,303 |
| Average equity | $12,685,000 | 4,462 |
| Average total loans | $42,889,670 | 5,477 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 6,529 |
| Cost of funding earning assets | 0.3944% | 6,436 |
| Net interest margin | 3.2432% | 5,652 |
| Noninterest income to average assets | 0.4584% | 4,235 |
| Noninterest expense to average assets | 2.3890% | 5,509 |
| Loan and lease loss provision to assets | 0.0468% | 4,819 |
| Net operating income to assets | 0.7756% | 3,504 |
| Return on assets (ROA) | 0.8599% | 3,338 |
| Pretax return on assets | 1.2246% | 2,817 |
| Return on Equity (ROE) | 8.1772% | 3,204 |
| Retained earnings to average equity (ytd only) | 8.1772% | 1,916 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4858% | 4,274 |
| Assets per employee ($millions) | 4.7713% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1344% | 2,016 |
| Loan loss allowance to noncurrent loans | 226.2500% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 6,042 |
| Noncurrent loans to loans | 0.9434% | 4,789 |
| Net loans and leases to total assets | 34.7870% | 6,698 |
| Net loans and leases to deposits | 39.0549% | 6,781 |
| Net loans and leases to core deposits | 43.3617% | 6,683 |
| Total domestic deposits to total assets | 89.0722% | 1,657 |
| Equity capital to assets | 10.5950% | 3,381 |
| Core capital (leverage) ratio | 9.8500% | 3,572 |
| Tier 1 risk-based capital ratio | 21.8011% | 1,319 |
| Total risk-based capital ratio | 23.0553% | 1,295 |
| Memoranda: | ||
| Average total assets | $119,546,500 | 4,461 |
| Average earning assets | $113,591,000 | 4,343 |
| Average equity | $12,571,500 | 4,493 |
| Average total loans | $42,527,500 | 5,530 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 6,537 |
| Cost of funding earning assets | 0.5873% | 6,152 |
| Net interest margin | 3.3707% | 5,574 |
| Noninterest income to average assets | 0.5094% | 3,784 |
| Noninterest expense to average assets | 2.4827% | 5,524 |
| Loan and lease loss provision to assets | 0.4145% | 2,520 |
| Net operating income to assets | 0.6288% | 3,835 |
| Return on assets (ROA) | 0.6880% | 3,730 |
| Pretax return on assets | 0.8656% | 3,724 |
| Return on Equity (ROE) | 6.6676% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.6676% | 1,658 |
| Net charge-offs to loans | 0.1964% | 4,572 |
| Credit loss provision to net charge-offs | 553.4884% | 413 |
| Earnings coverage of net charge-offs (x) | 16.0930% | 1,355 |
| Efficiency ratio | 67.3200% | 4,508 |
| Assets per employee ($millions) | 4.6081% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0889% | 2,039 |
| Loan loss allowance to noncurrent loans | 610.2740% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 6,648 |
| Noncurrent loans to loans | 0.3423% | 6,046 |
| Net loans and leases to total assets | 34.8585% | 6,825 |
| Net loans and leases to deposits | 39.0844% | 6,922 |
| Net loans and leases to core deposits | 43.0606% | 6,852 |
| Total domestic deposits to total assets | 89.1879% | 1,430 |
| Equity capital to assets | 10.4374% | 3,599 |
| Core capital (leverage) ratio | 9.8186% | 3,562 |
| Tier 1 risk-based capital ratio | 22.0373% | 1,233 |
| Total risk-based capital ratio | 23.2934% | 1,205 |
| Memoranda: | ||
| Average total assets | $114,832,400 | 4,528 |
| Average earning assets | $108,286,800 | 4,442 |
| Average equity | $11,848,400 | 4,584 |
| Average total loans | $43,791,200 | 5,528 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 6,517 |
| Cost of funding earning assets | 0.6257% | 6,148 |
| Net interest margin | 3.4178% | 5,516 |
| Noninterest income to average assets | 0.5212% | 3,714 |
| Noninterest expense to average assets | 2.5190% | 5,403 |
| Loan and lease loss provision to assets | 0.5177% | 1,915 |
| Net operating income to assets | 0.5604% | 4,271 |
| Return on assets (ROA) | 0.6186% | 4,188 |
| Pretax return on assets | 0.7759% | 4,212 |
| Return on Equity (ROE) | 6.0137% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.0137% | 2,548 |
| Net charge-offs to loans | 0.0151% | 5,940 |
| Credit loss provision to net charge-offs | 8,820.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 207.8906% | 188 |
| Efficiency ratio | 67.3572% | 4,451 |
| Assets per employee ($millions) | 4.5059% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1582% | 1,943 |
| Loan loss allowance to noncurrent loans | 303.2362% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 6,399 |
| Noncurrent loans to loans | 0.7117% | 5,454 |
| Net loans and leases to total assets | 36.2583% | 6,856 |
| Net loans and leases to deposits | 40.7213% | 6,952 |
| Net loans and leases to core deposits | 45.0575% | 6,887 |
| Total domestic deposits to total assets | 89.0401% | 1,412 |
| Equity capital to assets | 10.5314% | 3,666 |
| Core capital (leverage) ratio | 9.5664% | 4,045 |
| Tier 1 risk-based capital ratio | 20.6434% | 1,528 |
| Total risk-based capital ratio | 21.8981% | 1,501 |
| Memoranda: | ||
| Average total assets | $113,588,000 | 4,588 |
| Average earning assets | $106,966,250 | 4,507 |
| Average equity | $11,684,250 | 4,643 |
| Average total loans | $44,075,250 | 5,555 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 6,603 |
| Cost of funding earning assets | 0.6690% | 6,127 |
| Net interest margin | 3.3676% | 5,652 |
| Noninterest income to average assets | 0.5053% | 3,822 |
| Noninterest expense to average assets | 2.5641% | 5,311 |
| Loan and lease loss provision to assets | 0.6619% | 1,453 |
| Net operating income to assets | 0.4423% | 4,759 |
| Return on assets (ROA) | 0.4911% | 4,677 |
| Pretax return on assets | 0.5000% | 5,073 |
| Return on Equity (ROE) | 4.8141% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.8141% | 3,109 |
| Net charge-offs to loans | 0.0045% | 5,815 |
| Credit loss provision to net charge-offs | 37,200.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 625.0000% | 46 |
| Efficiency ratio | 69.7483% | 4,162 |
| Assets per employee ($millions) | 4.5231% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9440% | 2,529 |
| Loan loss allowance to noncurrent loans | 318.2482% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 6,223 |
| Noncurrent loans to loans | 0.6108% | 5,701 |
| Net loans and leases to total assets | 37.4010% | 6,891 |
| Net loans and leases to deposits | 41.7682% | 7,000 |
| Net loans and leases to core deposits | 46.0320% | 6,940 |
| Total domestic deposits to total assets | 89.5443% | 1,218 |
| Equity capital to assets | 10.1139% | 3,996 |
| Core capital (leverage) ratio | 9.8793% | 3,412 |
| Tier 1 risk-based capital ratio | 20.7178% | 1,476 |
| Total risk-based capital ratio | 21.9719% | 1,448 |
| Memoranda: | ||
| Average total assets | $112,399,330 | 4,647 |
| Average earning assets | $105,831,670 | 4,571 |
| Average equity | $11,466,330 | 4,696 |
| Average total loans | $44,295,330 | 5,600 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 6,646 |
| Cost of funding earning assets | 0.7050% | 6,100 |
| Net interest margin | 3.3195% | 5,711 |
| Noninterest income to average assets | 0.5392% | 3,587 |
| Noninterest expense to average assets | 2.6995% | 4,836 |
| Loan and lease loss provision to assets | 1.1876% | 593 |
| Net operating income to assets | -0.5210% | 6,816 |
| Return on assets (ROA) | -0.4408% | 6,778 |
| Pretax return on assets | -0.1457% | 6,487 |
| Return on Equity (ROE) | -4.3013% | 6,766 |
| Retained earnings to average equity (ytd only) | -4.3013% | 6,455 |
| Net charge-offs to loans | 0.0091% | 4,976 |
| Credit loss provision to net charge-offs | 32,600.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 116 |
| Efficiency ratio | 73.7313% | 3,561 |
| Assets per employee ($millions) | 4.1826% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8785% | 2,763 |
| Loan loss allowance to noncurrent loans | 485.8824% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 6,431 |
| Noncurrent loans to loans | 0.3866% | 6,220 |
| Net loans and leases to total assets | 39.6756% | 6,801 |
| Net loans and leases to deposits | 44.4117% | 6,940 |
| Net loans and leases to core deposits | 49.4221% | 6,808 |
| Total domestic deposits to total assets | 89.3358% | 1,570 |
| Equity capital to assets | 10.2329% | 3,498 |
| Core capital (leverage) ratio | 9.6659% | 3,576 |
| Tier 1 risk-based capital ratio | 20.0837% | 1,571 |
| Total risk-based capital ratio | 21.3370% | 1,534 |
| Memoranda: | ||
| Average total assets | $109,798,500 | 4,739 |
| Average earning assets | $103,268,500 | 4,652 |
| Average equity | $11,252,500 | 4,732 |
| Average total loans | $44,015,000 | 5,653 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 6,399 |
| Cost of funding earning assets | 0.8998% | 6,176 |
| Net interest margin | 3.6013% | 4,817 |
| Noninterest income to average assets | 0.5399% | 3,886 |
| Noninterest expense to average assets | 2.8121% | 4,554 |
| Loan and lease loss provision to assets | 1.9767% | 667 |
| Net operating income to assets | -0.3742% | 6,288 |
| Return on assets (ROA) | -0.3151% | 6,267 |
| Pretax return on assets | -0.7720% | 6,505 |
| Return on Equity (ROE) | -2.7694% | 6,258 |
| Retained earnings to average equity (ytd only) | -3.3839% | 6,142 |
| Net charge-offs to loans | 4.8270% | 197 |
| Credit loss provision to net charge-offs | 90.9091% | 5,086 |
| Earnings coverage of net charge-offs (x) | 0.5116% | 5,604 |
| Efficiency ratio | 71.6560% | 3,861 |
| Assets per employee ($millions) | 4.2635% | 3,275 |
| Cash dividends to net income (ytd only)* | -22.1893% | 7,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,793 |
| Loan loss allowance to noncurrent loans | 313.1250% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 6,503 |
| Noncurrent loans to loans | 0.3632% | 6,336 |
| Net loans and leases to total assets | 39.2936% | 7,010 |
| Net loans and leases to deposits | 43.9912% | 7,120 |
| Net loans and leases to core deposits | 48.9207% | 7,028 |
| Total domestic deposits to total assets | 89.3216% | 1,484 |
| Equity capital to assets | 10.2634% | 3,431 |
| Core capital (leverage) ratio | 9.7629% | 3,365 |
| Tier 1 risk-based capital ratio | 19.7956% | 1,529 |
| Total risk-based capital ratio | 20.7117% | 1,576 |
| Memoranda: | ||
| Average total assets | $107,251,000 | 4,795 |
| Average earning assets | $100,796,800 | 4,704 |
| Average equity | $12,204,800 | 4,555 |
| Average total loans | $48,311,200 | 5,546 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 6,325 |
| Cost of funding earning assets | 0.9339% | 6,256 |
| Net interest margin | 3.6690% | 4,548 |
| Noninterest income to average assets | 0.5504% | 3,783 |
| Noninterest expense to average assets | 2.7092% | 4,842 |
| Loan and lease loss provision to assets | 0.3197% | 4,034 |
| Net operating income to assets | 0.6789% | 3,512 |
| Return on assets (ROA) | 0.7535% | 3,362 |
| Pretax return on assets | 1.0706% | 2,926 |
| Return on Equity (ROE) | 6.4561% | 3,597 |
| Retained earnings to average equity (ytd only) | 5.6505% | 2,567 |
| Net charge-offs to loans | 0.0378% | 6,182 |
| Credit loss provision to net charge-offs | 1,821.4286% | 169 |
| Earnings coverage of net charge-offs (x) | 73.1280% | 413 |
| Efficiency ratio | 67.8493% | 4,491 |
| Assets per employee ($millions) | 4.1477% | 3,551 |
| Cash dividends to net income (ytd only)* | 12.4796% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8730% | 2,565 |
| Loan loss allowance to noncurrent loans | 35.2159% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 2.6725% | 2,700 |
| Noncurrent loans to loans | 5.3188% | 1,270 |
| Net loans and leases to total assets | 46.3459% | 6,665 |
| Net loans and leases to deposits | 53.0360% | 6,833 |
| Net loans and leases to core deposits | 59.7114% | 6,632 |
| Total domestic deposits to total assets | 87.3858% | 2,326 |
| Equity capital to assets | 11.7842% | 2,299 |
| Core capital (leverage) ratio | 10.7810% | 2,433 |
| Tier 1 risk-based capital ratio | 19.4972% | 1,643 |
| Total risk-based capital ratio | 20.7518% | 1,611 |
| Memoranda: | ||
| Average total assets | $106,351,250 | 4,878 |
| Average earning assets | $99,789,750 | 4,787 |
| Average equity | $12,411,750 | 4,570 |
| Average total loans | $49,374,500 | 5,591 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 6,383 |
| Cost of funding earning assets | 0.9569% | 6,353 |
| Net interest margin | 3.6704% | 4,502 |
| Noninterest income to average assets | 0.5668% | 3,573 |
| Noninterest expense to average assets | 2.7169% | 4,840 |
| Loan and lease loss provision to assets | 0.2173% | 4,713 |
| Net operating income to assets | 0.8365% | 2,796 |
| Return on assets (ROA) | 0.8616% | 2,827 |
| Pretax return on assets | 1.1072% | 2,761 |
| Return on Equity (ROE) | 7.4068% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.4068% | 1,673 |
| Net charge-offs to loans | 0.0614% | 5,529 |
| Credit loss provision to net charge-offs | 766.6667% | 482 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 648 |
| Efficiency ratio | 67.7663% | 4,622 |
| Assets per employee ($millions) | 3.8494% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 3,554 |
| Loan loss allowance to noncurrent loans | 32.0837% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 2.5162% | 2,869 |
| Noncurrent loans to loans | 4.9138% | 1,414 |
| Net loans and leases to total assets | 47.0914% | 6,699 |
| Net loans and leases to deposits | 53.8440% | 6,873 |
| Net loans and leases to core deposits | 60.8272% | 6,648 |
| Total domestic deposits to total assets | 87.4589% | 2,280 |
| Equity capital to assets | 11.7329% | 2,260 |
| Core capital (leverage) ratio | 10.9127% | 2,315 |
| Tier 1 risk-based capital ratio | 15.1031% | 3,104 |
| Total risk-based capital ratio | 16.1531% | 3,177 |
| Memoranda: | ||
| Average total assets | $105,855,330 | 4,917 |
| Average earning assets | $99,280,670 | 4,833 |
| Average equity | $12,313,000 | 4,589 |
| Average total loans | $48,855,000 | 5,647 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 5,996 |
| Cost of funding earning assets | 0.9892% | 6,423 |
| Net interest margin | 3.7818% | 3,868 |
| Noninterest income to average assets | 0.5873% | 3,357 |
| Noninterest expense to average assets | 2.7838% | 4,548 |
| Loan and lease loss provision to assets | 0.2097% | 4,407 |
| Net operating income to assets | 1.0101% | 2,142 |
| Return on assets (ROA) | 1.0678% | 2,011 |
| Pretax return on assets | 1.2012% | 2,354 |
| Return on Equity (ROE) | 9.2208% | 2,419 |
| Retained earnings to average equity (ytd only) | 9.2208% | 1,342 |
| Net charge-offs to loans | 0.1684% | 3,912 |
| Credit loss provision to net charge-offs | 275.0000% | 1,439 |
| Earnings coverage of net charge-offs (x) | 17.6500% | 1,271 |
| Efficiency ratio | 67.4054% | 4,831 |
| Assets per employee ($millions) | 4.1635% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 3,735 |
| Loan loss allowance to noncurrent loans | 256.1644% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 6,324 |
| Noncurrent loans to loans | 0.5985% | 6,107 |
| Net loans and leases to total assets | 46.1571% | 6,818 |
| Net loans and leases to deposits | 52.8624% | 6,989 |
| Net loans and leases to core deposits | 58.6525% | 6,840 |
| Total domestic deposits to total assets | 87.3155% | 2,457 |
| Equity capital to assets | 11.8669% | 2,125 |
| Core capital (leverage) ratio | 10.9311% | 2,273 |
| Tier 1 risk-based capital ratio | 19.4808% | 1,617 |
| Total risk-based capital ratio | 20.7306% | 1,596 |
| Memoranda: | ||
| Average total assets | $104,892,000 | 5,013 |
| Average earning assets | $98,260,500 | 4,926 |
| Average equity | $12,146,500 | 4,678 |
| Average total loans | $47,498,000 | 5,782 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 6,753 |
| Cost of funding earning assets | 1.1267% | 6,895 |
| Net interest margin | 3.7557% | 3,886 |
| Noninterest income to average assets | 0.5462% | 4,054 |
| Noninterest expense to average assets | 2.6429% | 5,621 |
| Loan and lease loss provision to assets | 0.1227% | 6,410 |
| Net operating income to assets | 0.8965% | 2,186 |
| Return on assets (ROA) | 0.9715% | 1,991 |
| Pretax return on assets | 1.3869% | 1,466 |
| Return on Equity (ROE) | 9.3081% | 1,919 |
| Retained earnings to average equity (ytd only) | 7.3925% | 847 |
| Net charge-offs to loans | 0.0958% | 6,175 |
| Credit loss provision to net charge-offs | 329.2683% | 990 |
| Earnings coverage of net charge-offs (x) | 37.6341% | 632 |
| Efficiency ratio | 65.3336% | 5,529 |
| Assets per employee ($millions) | 3.9147% | 3,991 |
| Cash dividends to net income (ytd only)* | 20.5800% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,508 |
| Loan loss allowance to noncurrent loans | 880.2469% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 6,813 |
| Noncurrent loans to loans | 0.1753% | 6,982 |
| Net loans and leases to total assets | 43.0395% | 7,174 |
| Net loans and leases to deposits | 48.8651% | 7,320 |
| Net loans and leases to core deposits | 72.2986% | 6,637 |
| Total domestic deposits to total assets | 88.0781% | 1,936 |
| Equity capital to assets | 11.2975% | 2,465 |
| Core capital (leverage) ratio | 10.3103% | 2,778 |
| Tier 1 risk-based capital ratio | 19.1677% | 1,619 |
| Total risk-based capital ratio | 20.3837% | 1,590 |
| Memoranda: | ||
| Average total assets | $110,031,200 | 4,820 |
| Average earning assets | $102,510,000 | 4,779 |
| Average equity | $11,484,600 | 4,886 |
| Average total loans | $42,804,800 | 5,987 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 6,920 |
| Cost of funding earning assets | 1.1493% | 7,043 |
| Net interest margin | 3.7338% | 3,935 |
| Noninterest income to average assets | 0.5340% | 4,204 |
| Noninterest expense to average assets | 2.5786% | 5,788 |
| Loan and lease loss provision to assets | 0.1080% | 6,295 |
| Net operating income to assets | 0.9166% | 2,359 |
| Return on assets (ROA) | 1.0151% | 2,071 |
| Pretax return on assets | 1.4675% | 1,497 |
| Return on Equity (ROE) | 9.9201% | 1,945 |
| Retained earnings to average equity (ytd only) | 8.5131% | 973 |
| Net charge-offs to loans | 0.0095% | 6,811 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 397.9900% | 91 |
| Efficiency ratio | 64.2836% | 5,690 |
| Assets per employee ($millions) | 3.8652% | 4,034 |
| Cash dividends to net income (ytd only)* | 14.1848% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 2,965 |
| Loan loss allowance to noncurrent loans | 980.5556% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 6,900 |
| Noncurrent loans to loans | 0.1638% | 7,074 |
| Net loans and leases to total assets | 39.9719% | 7,469 |
| Net loans and leases to deposits | 45.3421% | 7,588 |
| Net loans and leases to core deposits | 66.6677% | 7,130 |
| Total domestic deposits to total assets | 88.1563% | 1,590 |
| Equity capital to assets | 11.0814% | 2,942 |
| Core capital (leverage) ratio | 10.3599% | 2,915 |
| Tier 1 risk-based capital ratio | 19.7078% | 1,614 |
| Total risk-based capital ratio | 20.9578% | 1,572 |
| Memoranda: | ||
| Average total assets | $111,115,000 | 4,825 |
| Average earning assets | $103,483,500 | 4,778 |
| Average equity | $11,370,500 | 4,954 |
| Average total loans | $41,955,000 | 6,072 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 7,043 |
| Cost of funding earning assets | 1.1671% | 7,199 |
| Net interest margin | 3.7271% | 3,850 |
| Noninterest income to average assets | 0.5050% | 4,403 |
| Noninterest expense to average assets | 2.5268% | 6,031 |
| Loan and lease loss provision to assets | 0.0803% | 6,384 |
| Net operating income to assets | 0.9510% | 2,275 |
| Return on assets (ROA) | 1.0261% | 2,101 |
| Pretax return on assets | 1.4829% | 1,492 |
| Return on Equity (ROE) | 10.3019% | 1,914 |
| Retained earnings to average equity (ytd only) | 8.1519% | 1,166 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4693% | 6,008 |
| Assets per employee ($millions) | 4.1027% | 3,487 |
| Cash dividends to net income (ytd only)* | 20.8696% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 3,025 |
| Loan loss allowance to noncurrent loans | 4,426.6667% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 7,012 |
| Noncurrent loans to loans | 0.0346% | 7,455 |
| Net loans and leases to total assets | 40.0187% | 7,554 |
| Net loans and leases to deposits | 45.1601% | 7,667 |
| Net loans and leases to core deposits | 65.0613% | 7,252 |
| Total domestic deposits to total assets | 88.6154% | 1,476 |
| Equity capital to assets | 10.7322% | 3,174 |
| Core capital (leverage) ratio | 9.6719% | 3,671 |
| Tier 1 risk-based capital ratio | 19.4505% | 1,688 |
| Total risk-based capital ratio | 20.6414% | 1,659 |
| Memoranda: | ||
| Average total assets | $112,078,000 | 4,824 |
| Average earning assets | $104,531,000 | 4,772 |
| Average equity | $11,163,000 | 5,039 |
| Average total loans | $41,284,670 | 6,146 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 7,327 |
| Cost of funding earning assets | 1.1903% | 7,323 |
| Net interest margin | 3.6384% | 4,145 |
| Noninterest income to average assets | 0.4844% | 4,464 |
| Noninterest expense to average assets | 2.4046% | 6,180 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0225% | 2,222 |
| Return on assets (ROA) | 1.1639% | 1,879 |
| Pretax return on assets | 1.6693% | 1,248 |
| Return on Equity (ROE) | 12.1229% | 1,620 |
| Retained earnings to average equity (ytd only) | 12.1229% | 765 |
| Net charge-offs to loans | 0.0099% | 5,506 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 421.0000% | 83 |
| Efficiency ratio | 62.1062% | 6,029 |
| Assets per employee ($millions) | 4.2205% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 3,058 |
| Loan loss allowance to noncurrent loans | 71.6609% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9714% | 4,766 |
| Noncurrent loans to loans | 2.0761% | 3,157 |
| Net loans and leases to total assets | 37.2313% | 7,688 |
| Net loans and leases to deposits | 41.7911% | 7,790 |
| Net loans and leases to core deposits | 61.1840% | 7,414 |
| Total domestic deposits to total assets | 89.0890% | 1,191 |
| Equity capital to assets | 10.2549% | 3,705 |
| Core capital (leverage) ratio | 9.4136% | 4,086 |
| Tier 1 risk-based capital ratio | 19.4713% | 1,725 |
| Total risk-based capital ratio | 20.5915% | 1,702 |
| Memoranda: | ||
| Average total assets | $114,782,000 | 4,782 |
| Average earning assets | $106,861,500 | 4,721 |
| Average equity | $11,020,500 | 5,099 |
| Average total loans | $40,251,000 | 6,226 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5552% | 7,185 |
| Cost of funding earning assets | 1.6297% | 7,385 |
| Net interest margin | 3.9256% | 3,458 |
| Noninterest income to average assets | 0.6448% | 3,512 |
| Noninterest expense to average assets | 2.4269% | 6,308 |
| Loan and lease loss provision to assets | 0.0019% | 7,322 |
| Net operating income to assets | 1.3103% | 1,458 |
| Return on assets (ROA) | 1.2952% | 1,448 |
| Pretax return on assets | 1.8615% | 832 |
| Return on Equity (ROE) | 13.9588% | 1,118 |
| Retained earnings to average equity (ytd only) | 11.1389% | 310 |
| Net charge-offs to loans | 0.0079% | 6,828 |
| Credit loss provision to net charge-offs | 66.6667% | 6,127 |
| Earnings coverage of net charge-offs (x) | 672.3333% | 84 |
| Efficiency ratio | 56.2852% | 6,967 |
| Assets per employee ($millions) | 4.6089% | 2,466 |
| Cash dividends to net income (ytd only)* | 20.2020% | 4,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 2,313 |
| Loan loss allowance to noncurrent loans | 165.2406% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 5,750 |
| Noncurrent loans to loans | 0.9582% | 4,687 |
| Net loans and leases to total assets | 32.0551% | 7,941 |
| Net loans and leases to deposits | 35.4227% | 8,037 |
| Net loans and leases to core deposits | 49.7836% | 7,892 |
| Total domestic deposits to total assets | 90.4933% | 492 |
| Equity capital to assets | 9.0027% | 5,362 |
| Core capital (leverage) ratio | 9.3481% | 4,236 |
| Tier 1 risk-based capital ratio | 18.6418% | 1,878 |
| Total risk-based capital ratio | 19.7506% | 1,864 |
| Memoranda: | ||
| Average total assets | $107,010,000 | 4,858 |
| Average earning assets | $99,959,600 | 4,806 |
| Average equity | $9,929,200 | 5,433 |
| Average total loans | $37,847,000 | 6,275 |