Home > BankOkolona > Performance and Condition Ratios
BankOkolona, 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 | 5.3925% | 1,328 |
| Cost of funding earning assets | 1.8471% | 1,166 |
| Net interest margin | 3.5453% | 2,081 |
| Noninterest income to average assets | 2.2700% | 236 |
| Noninterest expense to average assets | 3.4390% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1040% | 394 |
| Return on assets (ROA) | 2.1040% | 385 |
| Pretax return on assets | 2.1040% | 562 |
| Return on Equity (ROE) | 29.2700% | 196 |
| Retained earnings to average equity (ytd only) | 13.0616% | 495 |
| Net charge-offs to loans | 0.1652% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 19.9392% | 1,882 |
| Efficiency ratio | 62.0426% | 2,827 |
| Assets per employee ($millions) | 5.2580% | 3,427 |
| Cash dividends to net income (ytd only)* | 55.3711% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 2,600 |
| Loan loss allowance to noncurrent loans | 404.3919% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 2,009 |
| Noncurrent loans to loans | 0.2821% | 2,172 |
| Net loans and leases to total assets | 64.6900% | 2,403 |
| Net loans and leases to deposits | 72.2241% | 2,741 |
| Net loans and leases to core deposits | 83.5724% | 2,489 |
| Total domestic deposits to total assets | 89.5600% | 889 |
| Equity capital to assets | 7.4831% | 3,728 |
| Core capital (leverage) ratio | 9.1805% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $280,519,000 | 2,521 |
| Average earning assets | $259,158,200 | 2,526 |
| Average equity | $20,166,000 | 2,838 |
| Average total loans | $179,159,600 | 2,451 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3297% | 1,242 |
| Cost of funding earning assets | 1.6615% | 1,256 |
| Net interest margin | 3.6681% | 1,844 |
| Noninterest income to average assets | 2.7800% | 206 |
| Noninterest expense to average assets | 3.2590% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.9021% | 190 |
| Return on assets (ROA) | 2.9021% | 190 |
| Pretax return on assets | 2.9021% | 255 |
| Return on Equity (ROE) | 40.8700% | 108 |
| Retained earnings to average equity (ytd only) | 34.1460% | 61 |
| Net charge-offs to loans | 0.0249% | 1,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 183.9688% | 635 |
| Efficiency ratio | 52.8965% | 3,686 |
| Assets per employee ($millions) | 5.1597% | 3,468 |
| Cash dividends to net income (ytd only)* | 16.4430% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 1,896 |
| Loan loss allowance to noncurrent loans | 299.3243% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 1,577 |
| Noncurrent loans to loans | 0.4318% | 1,754 |
| Net loans and leases to total assets | 64.4900% | 2,389 |
| Net loans and leases to deposits | 71.3975% | 2,748 |
| Net loans and leases to core deposits | 80.2095% | 2,585 |
| Total domestic deposits to total assets | 90.3200% | 855 |
| Equity capital to assets | 6.9164% | 3,655 |
| Core capital (leverage) ratio | 11.2568% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $270,465,000 | 2,578 |
| Average earning assets | $249,641,000 | 2,579 |
| Average equity | $19,207,250 | 2,917 |
| Average total loans | $171,483,250 | 2,521 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 1,390 |
| Cost of funding earning assets | 1.3719% | 1,526 |
| Net interest margin | 3.7206% | 1,782 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 3.1442% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8009% | 3,076 |
| Return on assets (ROA) | 0.8009% | 3,083 |
| Pretax return on assets | 0.8009% | 3,395 |
| Return on Equity (ROE) | 11.1600% | 2,381 |
| Retained earnings to average equity (ytd only) | 3.2474% | 3,413 |
| Net charge-offs to loans | -0.0237% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.6987% | 861 |
| Assets per employee ($millions) | 4.6448% | 3,866 |
| Cash dividends to net income (ytd only)* | 70.8984% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 837 |
| Loan loss allowance to noncurrent loans | 120.7727% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 521 |
| Noncurrent loans to loans | 1.3665% | 518 |
| Net loans and leases to total assets | 61.9800% | 2,577 |
| Net loans and leases to deposits | 68.7421% | 2,876 |
| Net loans and leases to core deposits | 79.2505% | 2,527 |
| Total domestic deposits to total assets | 90.1700% | 878 |
| Equity capital to assets | 7.2903% | 3,647 |
| Core capital (leverage) ratio | 9.6978% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $255,705,667 | 2,658 |
| Average earning assets | $235,447,667 | 2,676 |
| Average equity | $18,353,333 | 2,996 |
| Average total loans | $160,101,333 | 2,601 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 1,152 |
| Cost of funding earning assets | 1.1660% | 1,546 |
| Net interest margin | 3.8737% | 1,530 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 3.0739% | 969 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0179% | 2,473 |
| Return on assets (ROA) | 1.0179% | 2,441 |
| Pretax return on assets | 1.0179% | 2,941 |
| Return on Equity (ROE) | 14.2900% | 1,715 |
| Retained earnings to average equity (ytd only) | 3.6667% | 3,357 |
| Net charge-offs to loans | 0.0401% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 40.6875% | 1,184 |
| Efficiency ratio | 75.1242% | 1,237 |
| Assets per employee ($millions) | 4.7903% | 3,805 |
| Cash dividends to net income (ytd only)* | 74.3472% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 883 |
| Loan loss allowance to noncurrent loans | 138.4775% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 580 |
| Noncurrent loans to loans | 1.2025% | 574 |
| Net loans and leases to total assets | 61.0400% | 2,554 |
| Net loans and leases to deposits | 67.5545% | 2,809 |
| Net loans and leases to core deposits | 76.5805% | 2,487 |
| Total domestic deposits to total assets | 90.3600% | 1,024 |
| Equity capital to assets | 7.2689% | 3,694 |
| Core capital (leverage) ratio | 9.5366% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $255,827,500 | 2,693 |
| Average earning assets | $235,333,000 | 2,704 |
| Average equity | $18,218,000 | 3,033 |
| Average total loans | $159,651,500 | 2,620 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 952 |
| Cost of funding earning assets | 0.7382% | 497 |
| Net interest margin | 3.6210% | 1,585 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.9522% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9675% | 2,692 |
| Return on assets (ROA) | 0.9675% | 2,637 |
| Pretax return on assets | 0.9675% | 3,167 |
| Return on Equity (ROE) | 12.5200% | 1,968 |
| Retained earnings to average equity (ytd only) | 3.8627% | 3,443 |
| Net charge-offs to loans | 0.0477% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,585 |
| Efficiency ratio | 75.3173% | 1,086 |
| Assets per employee ($millions) | 4.5175% | 4,030 |
| Cash dividends to net income (ytd only)* | 69.1429% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,588 |
| Loan loss allowance to noncurrent loans | 135.6932% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 822 |
| Noncurrent loans to loans | 0.8543% | 874 |
| Net loans and leases to total assets | 62.0200% | 2,439 |
| Net loans and leases to deposits | 68.4468% | 2,703 |
| Net loans and leases to core deposits | 77.7326% | 2,301 |
| Total domestic deposits to total assets | 90.6000% | 1,107 |
| Equity capital to assets | 6.9702% | 3,685 |
| Core capital (leverage) ratio | 9.7350% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $253,234,400 | 2,706 |
| Average earning assets | $235,046,800 | 2,704 |
| Average equity | $19,572,000 | 2,988 |
| Average total loans | $146,766,600 | 2,660 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 841 |
| Cost of funding earning assets | 0.7034% | 265 |
| Net interest margin | 3.5259% | 1,588 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.7808% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0701% | 2,207 |
| Return on assets (ROA) | 1.0701% | 2,168 |
| Pretax return on assets | 1.0701% | 2,811 |
| Return on Equity (ROE) | 13.5100% | 1,562 |
| Retained earnings to average equity (ytd only) | 5.4710% | 2,928 |
| Net charge-offs to loans | 0.0621% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 30.3433% | 1,515 |
| Efficiency ratio | 72.2116% | 1,487 |
| Assets per employee ($millions) | 4.6806% | 3,925 |
| Cash dividends to net income (ytd only)* | 59.5180% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 2,502 |
| Loan loss allowance to noncurrent loans | 114.3300% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 731 |
| Noncurrent loans to loans | 1.0534% | 724 |
| Net loans and leases to total assets | 59.8100% | 2,524 |
| Net loans and leases to deposits | 65.1445% | 2,780 |
| Net loans and leases to core deposits | 73.1988% | 2,412 |
| Total domestic deposits to total assets | 91.8200% | 935 |
| Equity capital to assets | 6.4905% | 3,742 |
| Core capital (leverage) ratio | 9.6307% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $253,298,500 | 2,730 |
| Average earning assets | $235,624,000 | 2,719 |
| Average equity | $20,056,750 | 2,989 |
| Average total loans | $143,776,500 | 2,703 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 1,004 |
| Cost of funding earning assets | 0.7130% | 148 |
| Net interest margin | 3.2488% | 2,057 |
| Noninterest income to average assets | 0.7085% | 1,299 |
| Noninterest expense to average assets | 2.6282% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1109% | 1,731 |
| Return on assets (ROA) | 1.1109% | 1,712 |
| Pretax return on assets | 1.1109% | 2,366 |
| Return on Equity (ROE) | 13.2368% | 1,310 |
| Retained earnings to average equity (ytd only) | 6.4116% | 2,201 |
| Net charge-offs to loans | 0.0242% | 1,240 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 82.8235% | 911 |
| Efficiency ratio | 70.2891% | 1,919 |
| Assets per employee ($millions) | 4.6886% | 3,939 |
| Cash dividends to net income (ytd only)* | 51.5625% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,224 |
| Loan loss allowance to noncurrent loans | 506.1497% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 2,219 |
| Noncurrent loans to loans | 0.2552% | 2,455 |
| Net loans and leases to total assets | 57.1253% | 2,626 |
| Net loans and leases to deposits | 62.7645% | 2,830 |
| Net loans and leases to core deposits | 70.1998% | 2,478 |
| Total domestic deposits to total assets | 91.0152% | 1,238 |
| Equity capital to assets | 7.2805% | 3,609 |
| Core capital (leverage) ratio | 9.5653% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,480,333 | 2,751 |
| Average earning assets | $236,458,667 | 2,747 |
| Average equity | $21,274,000 | 2,957 |
| Average total loans | $140,693,000 | 2,747 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 969 |
| Cost of funding earning assets | 0.7480% | 118 |
| Net interest margin | 3.1222% | 2,104 |
| Noninterest income to average assets | 0.5930% | 1,722 |
| Noninterest expense to average assets | 2.5865% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9226% | 2,190 |
| Return on assets (ROA) | 0.9226% | 2,182 |
| Pretax return on assets | 0.9226% | 2,689 |
| Return on Equity (ROE) | 10.3109% | 1,853 |
| Retained earnings to average equity (ytd only) | 1.7802% | 3,603 |
| Net charge-offs to loans | -0.0203% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7079% | 1,777 |
| Assets per employee ($millions) | 5.4820% | 3,329 |
| Cash dividends to net income (ytd only)* | 82.7350% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 2,062 |
| Loan loss allowance to noncurrent loans | 219.8394% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 1,484 |
| Noncurrent loans to loans | 0.6196% | 1,512 |
| Net loans and leases to total assets | 53.8765% | 2,775 |
| Net loans and leases to deposits | 59.5969% | 2,941 |
| Net loans and leases to core deposits | 67.3459% | 2,503 |
| Total domestic deposits to total assets | 90.4015% | 1,334 |
| Equity capital to assets | 7.9195% | 3,626 |
| Core capital (leverage) ratio | 9.3729% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,628,500 | 2,765 |
| Average earning assets | $236,886,500 | 2,755 |
| Average equity | $22,694,500 | 2,930 |
| Average total loans | $137,777,000 | 2,769 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 389 |
| Cost of funding earning assets | 0.9306% | 95 |
| Net interest margin | 3.8281% | 954 |
| Noninterest income to average assets | 1.1948% | 740 |
| Noninterest expense to average assets | 2.7941% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.9546% | 371 |
| Return on assets (ROA) | 1.9546% | 394 |
| Pretax return on assets | 1.9546% | 666 |
| Return on Equity (ROE) | 19.1175% | 371 |
| Retained earnings to average equity (ytd only) | 7.9690% | 1,557 |
| Net charge-offs to loans | 0.0290% | 1,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 122.4737% | 770 |
| Efficiency ratio | 58.8397% | 3,310 |
| Assets per employee ($millions) | 4.8000% | 3,888 |
| Cash dividends to net income (ytd only)* | 58.3154% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,856 |
| Loan loss allowance to noncurrent loans | 92.3151% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 652 |
| Noncurrent loans to loans | 1.5346% | 582 |
| Net loans and leases to total assets | 53.2494% | 2,941 |
| Net loans and leases to deposits | 60.3798% | 3,045 |
| Net loans and leases to core deposits | 68.5444% | 2,601 |
| Total domestic deposits to total assets | 88.1908% | 1,936 |
| Equity capital to assets | 10.0096% | 2,646 |
| Core capital (leverage) ratio | 9.6944% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,110,400 | 2,807 |
| Average earning assets | $221,046,800 | 2,806 |
| Average equity | $24,344,200 | 2,893 |
| Average total loans | $131,033,600 | 2,845 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 282 |
| Cost of funding earning assets | 0.9642% | 100 |
| Net interest margin | 4.0708% | 688 |
| Noninterest income to average assets | 1.4243% | 595 |
| Noninterest expense to average assets | 2.7444% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.4610% | 225 |
| Return on assets (ROA) | 2.4610% | 229 |
| Pretax return on assets | 2.4610% | 360 |
| Return on Equity (ROE) | 23.9378% | 206 |
| Retained earnings to average equity (ytd only) | 15.1445% | 376 |
| Net charge-offs to loans | 0.0256% | 1,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 173.6800% | 611 |
| Efficiency ratio | 52.7221% | 3,954 |
| Assets per employee ($millions) | 4.8360% | 3,857 |
| Cash dividends to net income (ytd only)* | 36.7342% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 1,795 |
| Loan loss allowance to noncurrent loans | 92.4964% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9756% | 689 |
| Noncurrent loans to loans | 1.5739% | 655 |
| Net loans and leases to total assets | 53.8331% | 2,989 |
| Net loans and leases to deposits | 61.7768% | 3,062 |
| Net loans and leases to core deposits | 70.3736% | 2,561 |
| Total domestic deposits to total assets | 87.1414% | 2,298 |
| Equity capital to assets | 10.7726% | 2,194 |
| Core capital (leverage) ratio | 10.2643% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,237,750 | 2,846 |
| Average earning assets | $218,491,500 | 2,847 |
| Average equity | $24,184,250 | 2,930 |
| Average total loans | $130,086,750 | 2,889 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 582 |
| Cost of funding earning assets | 0.9942% | 109 |
| Net interest margin | 3.6524% | 1,460 |
| Noninterest income to average assets | 0.4789% | 2,717 |
| Noninterest expense to average assets | 2.6535% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2083% | 2,161 |
| Return on assets (ROA) | 1.2083% | 2,228 |
| Pretax return on assets | 1.2083% | 2,878 |
| Return on Equity (ROE) | 11.9509% | 2,082 |
| Retained earnings to average equity (ytd only) | 5.4407% | 3,020 |
| Net charge-offs to loans | 0.0062% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 332 |
| Efficiency ratio | 68.7111% | 1,793 |
| Assets per employee ($millions) | 5.0223% | 3,643 |
| Cash dividends to net income (ytd only)* | 54.4744% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,812 |
| Loan loss allowance to noncurrent loans | 71.7977% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.3980% | 434 |
| Noncurrent loans to loans | 2.0045% | 489 |
| Net loans and leases to total assets | 56.4307% | 2,849 |
| Net loans and leases to deposits | 64.6460% | 2,933 |
| Net loans and leases to core deposits | 74.1269% | 2,400 |
| Total domestic deposits to total assets | 87.2919% | 2,174 |
| Equity capital to assets | 10.1581% | 2,715 |
| Core capital (leverage) ratio | 9.4059% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,050,667 | 2,861 |
| Average earning assets | $215,856,000 | 2,865 |
| Average equity | $23,563,000 | 2,967 |
| Average total loans | $129,418,667 | 2,910 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 1,044 |
| Cost of funding earning assets | 1.0349% | 112 |
| Net interest margin | 3.2616% | 2,509 |
| Noninterest income to average assets | 0.4889% | 2,661 |
| Noninterest expense to average assets | 2.5705% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9346% | 3,031 |
| Return on assets (ROA) | 0.9346% | 3,106 |
| Pretax return on assets | 0.9346% | 3,526 |
| Return on Equity (ROE) | 9.2655% | 2,937 |
| Retained earnings to average equity (ytd only) | 0.4967% | 4,306 |
| Net charge-offs to loans | 0.0190% | 1,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 90.1667% | 656 |
| Efficiency ratio | 73.3366% | 1,367 |
| Assets per employee ($millions) | 5.0295% | 3,620 |
| Cash dividends to net income (ytd only)* | 94.6396% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,487 |
| Loan loss allowance to noncurrent loans | 92.8776% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 675 |
| Noncurrent loans to loans | 1.6518% | 729 |
| Net loans and leases to total assets | 52.7544% | 3,375 |
| Net loans and leases to deposits | 59.8896% | 3,496 |
| Net loans and leases to core deposits | 69.4532% | 2,908 |
| Total domestic deposits to total assets | 88.0860% | 1,806 |
| Equity capital to assets | 9.7218% | 2,978 |
| Core capital (leverage) ratio | 9.4413% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,552,500 | 2,854 |
| Average earning assets | $214,128,500 | 2,862 |
| Average equity | $23,355,500 | 2,969 |
| Average total loans | $126,554,000 | 2,940 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 817 |
| Cost of funding earning assets | 1.2814% | 192 |
| Net interest margin | 3.4656% | 2,576 |
| Noninterest income to average assets | 0.6272% | 2,112 |
| Noninterest expense to average assets | 2.9072% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9155% | 2,629 |
| Return on assets (ROA) | 0.9155% | 2,764 |
| Pretax return on assets | 0.9155% | 3,325 |
| Return on Equity (ROE) | 8.7712% | 2,479 |
| Retained earnings to average equity (ytd only) | 2.9237% | 3,407 |
| Net charge-offs to loans | -0.1141% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0501% | 1,221 |
| Assets per employee ($millions) | 4.7233% | 3,695 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,454 |
| Loan loss allowance to noncurrent loans | 69.2116% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5027% | 488 |
| Noncurrent loans to loans | 2.2268% | 484 |
| Net loans and leases to total assets | 54.9191% | 3,398 |
| Net loans and leases to deposits | 62.9007% | 3,529 |
| Net loans and leases to core deposits | 73.7692% | 2,930 |
| Total domestic deposits to total assets | 87.3107% | 1,791 |
| Equity capital to assets | 10.4667% | 2,701 |
| Core capital (leverage) ratio | 9.7705% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,213,200 | 2,800 |
| Average earning assets | $202,128,000 | 2,804 |
| Average equity | $22,881,800 | 2,948 |
| Average total loans | $129,662,000 | 2,872 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 859 |
| Cost of funding earning assets | 1.3195% | 226 |
| Net interest margin | 3.4982% | 2,592 |
| Noninterest income to average assets | 0.5178% | 2,533 |
| Noninterest expense to average assets | 2.9036% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8411% | 2,947 |
| Return on assets (ROA) | 0.8411% | 3,073 |
| Pretax return on assets | 0.8411% | 3,542 |
| Return on Equity (ROE) | 8.0634% | 2,787 |
| Retained earnings to average equity (ytd only) | 5.0521% | 2,535 |
| Net charge-offs to loans | 0.0164% | 2,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 85.6875% | 882 |
| Efficiency ratio | 77.5393% | 1,085 |
| Assets per employee ($millions) | 4.7267% | 3,566 |
| Cash dividends to net income (ytd only)* | 37.3450% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 1,873 |
| Loan loss allowance to noncurrent loans | 87.6719% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3243% | 699 |
| Noncurrent loans to loans | 1.5631% | 906 |
| Net loans and leases to total assets | 57.8277% | 3,439 |
| Net loans and leases to deposits | 66.2636% | 3,597 |
| Net loans and leases to core deposits | 77.7804% | 3,027 |
| Total domestic deposits to total assets | 87.2691% | 1,554 |
| Equity capital to assets | 10.6913% | 2,629 |
| Core capital (leverage) ratio | 9.6571% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,336,750 | 2,799 |
| Average earning assets | $200,481,250 | 2,801 |
| Average equity | $22,669,750 | 2,963 |
| Average total loans | $130,462,250 | 2,865 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 1,057 |
| Cost of funding earning assets | 1.3700% | 254 |
| Net interest margin | 3.4786% | 2,862 |
| Noninterest income to average assets | 0.5349% | 2,415 |
| Noninterest expense to average assets | 2.8573% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8696% | 2,805 |
| Return on assets (ROA) | 0.8696% | 2,927 |
| Pretax return on assets | 0.8696% | 3,401 |
| Return on Equity (ROE) | 8.4090% | 2,597 |
| Retained earnings to average equity (ytd only) | 3.8190% | 3,002 |
| Net charge-offs to loans | 0.0092% | 2,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 156.3333% | 521 |
| Efficiency ratio | 76.6667% | 1,196 |
| Assets per employee ($millions) | 4.6072% | 3,639 |
| Cash dividends to net income (ytd only)* | 54.5842% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,789 |
| Loan loss allowance to noncurrent loans | 52.6084% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.0277% | 345 |
| Noncurrent loans to loans | 2.5616% | 446 |
| Net loans and leases to total assets | 57.0429% | 3,602 |
| Net loans and leases to deposits | 64.8569% | 3,817 |
| Net loans and leases to core deposits | 76.7870% | 3,223 |
| Total domestic deposits to total assets | 87.9519% | 1,199 |
| Equity capital to assets | 10.0725% | 3,139 |
| Core capital (leverage) ratio | 9.8541% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,731,333 | 2,787 |
| Average earning assets | $197,953,667 | 2,800 |
| Average equity | $22,309,333 | 2,979 |
| Average total loans | $130,532,667 | 2,862 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1301% | 755 |
| Cost of funding earning assets | 1.4520% | 316 |
| Net interest margin | 3.6781% | 2,403 |
| Noninterest income to average assets | 0.5412% | 2,326 |
| Noninterest expense to average assets | 3.0957% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8195% | 2,836 |
| Return on assets (ROA) | 0.8195% | 2,928 |
| Pretax return on assets | 0.8195% | 3,361 |
| Return on Equity (ROE) | 7.8125% | 2,594 |
| Retained earnings to average equity (ytd only) | -1.5552% | 4,204 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0686% | 1,230 |
| Assets per employee ($millions) | 4.4733% | 3,299 |
| Cash dividends to net income (ytd only)* | 119.9063% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,650 |
| Loan loss allowance to noncurrent loans | 35.2102% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 3.0398% | 192 |
| Noncurrent loans to loans | 4.0166% | 194 |
| Net loans and leases to total assets | 59.7149% | 3,530 |
| Net loans and leases to deposits | 68.1954% | 3,719 |
| Net loans and leases to core deposits | 81.6353% | 3,045 |
| Total domestic deposits to total assets | 87.5644% | 1,297 |
| Equity capital to assets | 10.3361% | 3,482 |
| Core capital (leverage) ratio | 9.8483% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,417,000 | 2,804 |
| Average earning assets | $191,184,000 | 2,823 |
| Average equity | $21,862,500 | 3,006 |
| Average total loans | $129,199,500 | 2,846 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5856% | 489 |
| Cost of funding earning assets | 1.3628% | 628 |
| Net interest margin | 4.2227% | 1,271 |
| Noninterest income to average assets | 0.8159% | 1,402 |
| Noninterest expense to average assets | 3.0171% | 1,975 |
| Loan and lease loss provision to assets | 0.0561% | 2,907 |
| Net operating income to assets | 1.5981% | 840 |
| Return on assets (ROA) | 1.8016% | 549 |
| Pretax return on assets | 1.8016% | 932 |
| Return on Equity (ROE) | 17.8484% | 351 |
| Retained earnings to average equity (ytd only) | 10.8221% | 358 |
| Net charge-offs to loans | 0.8936% | 180 |
| Credit loss provision to net charge-offs | 8.9825% | 3,363 |
| Earnings coverage of net charge-offs (x) | 2.6494% | 3,392 |
| Efficiency ratio | 64.5878% | 2,991 |
| Assets per employee ($millions) | 4.0508% | 3,842 |
| Cash dividends to net income (ytd only)* | 39.3664% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,611 |
| Loan loss allowance to noncurrent loans | 32.0463% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 3.1836% | 163 |
| Noncurrent loans to loans | 4.2884% | 144 |
| Net loans and leases to total assets | 62.5635% | 3,349 |
| Net loans and leases to deposits | 71.7334% | 3,538 |
| Net loans and leases to core deposits | 86.3088% | 2,767 |
| Total domestic deposits to total assets | 87.2167% | 1,507 |
| Equity capital to assets | 10.6462% | 3,315 |
| Core capital (leverage) ratio | 10.3535% | 3,128 |
| Tier 1 risk-based capital ratio | 14.3886% | 3,074 |
| Total risk-based capital ratio | 15.6141% | 2,993 |
| Memoranda: | ||
| Average total assets | $201,488,200 | 2,828 |
| Average earning assets | $183,956,800 | 2,849 |
| Average equity | $20,338,000 | 3,105 |
| Average total loans | $140,775,000 | 2,711 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5390% | 553 |
| Cost of funding earning assets | 1.3468% | 683 |
| Net interest margin | 4.1922% | 1,392 |
| Noninterest income to average assets | 0.7512% | 1,589 |
| Noninterest expense to average assets | 3.0021% | 1,975 |
| Loan and lease loss provision to assets | 0.0752% | 2,384 |
| Net operating income to assets | 1.4964% | 1,196 |
| Return on assets (ROA) | 1.6216% | 922 |
| Pretax return on assets | 1.6216% | 1,557 |
| Return on Equity (ROE) | 16.2949% | 564 |
| Retained earnings to average equity (ytd only) | 8.4385% | 1,228 |
| Net charge-offs to loans | 0.4990% | 341 |
| Credit loss provision to net charge-offs | 21.0821% | 2,962 |
| Earnings coverage of net charge-offs (x) | 4.4030% | 3,012 |
| Efficiency ratio | 65.6377% | 2,780 |
| Assets per employee ($millions) | 4.0173% | 3,883 |
| Cash dividends to net income (ytd only)* | 48.2134% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8337% | 631 |
| Loan loss allowance to noncurrent loans | 33.4261% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 4.3049% | 96 |
| Noncurrent loans to loans | 5.4857% | 88 |
| Net loans and leases to total assets | 67.2447% | 2,890 |
| Net loans and leases to deposits | 77.2629% | 3,174 |
| Net loans and leases to core deposits | 93.4722% | 2,223 |
| Total domestic deposits to total assets | 87.0336% | 1,494 |
| Equity capital to assets | 10.5703% | 3,487 |
| Core capital (leverage) ratio | 10.0074% | 3,637 |
| Tier 1 risk-based capital ratio | 14.1171% | 3,273 |
| Total risk-based capital ratio | 15.3734% | 3,175 |
| Memoranda: | ||
| Average total assets | $200,212,750 | 2,859 |
| Average earning assets | $182,556,500 | 2,877 |
| Average equity | $19,924,000 | 3,161 |
| Average total loans | $143,206,000 | 2,710 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4202% | 653 |
| Cost of funding earning assets | 1.3118% | 718 |
| Net interest margin | 4.1084% | 1,584 |
| Noninterest income to average assets | 0.8560% | 1,190 |
| Noninterest expense to average assets | 2.9061% | 2,270 |
| Loan and lease loss provision to assets | 0.1130% | 1,664 |
| Net operating income to assets | 1.5670% | 976 |
| Return on assets (ROA) | 1.5670% | 1,019 |
| Pretax return on assets | 1.5670% | 1,646 |
| Return on Equity (ROE) | 16.0817% | 577 |
| Retained earnings to average equity (ytd only) | 8.0562% | 1,367 |
| Net charge-offs to loans | 0.4494% | 360 |
| Credit loss provision to net charge-offs | 34.6626% | 2,573 |
| Earnings coverage of net charge-offs (x) | 5.1534% | 2,686 |
| Efficiency ratio | 63.3668% | 3,235 |
| Assets per employee ($millions) | 4.0495% | 3,809 |
| Cash dividends to net income (ytd only)* | 49.9043% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 519 |
| Loan loss allowance to noncurrent loans | 33.8368% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 4.6718% | 83 |
| Noncurrent loans to loans | 5.7493% | 76 |
| Net loans and leases to total assets | 69.4241% | 2,611 |
| Net loans and leases to deposits | 80.0449% | 2,946 |
| Net loans and leases to core deposits | 96.9743% | 1,980 |
| Total domestic deposits to total assets | 86.7314% | 1,713 |
| Equity capital to assets | 10.3778% | 3,627 |
| Core capital (leverage) ratio | 9.7791% | 3,845 |
| Tier 1 risk-based capital ratio | 13.2301% | 3,721 |
| Total risk-based capital ratio | 14.4875% | 3,626 |
| Memoranda: | ||
| Average total assets | $199,995,330 | 2,871 |
| Average earning assets | $181,579,670 | 2,901 |
| Average equity | $19,488,000 | 3,197 |
| Average total loans | $145,076,670 | 2,709 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 1,501 |
| Cost of funding earning assets | 1.2559% | 753 |
| Net interest margin | 3.6841% | 2,952 |
| Noninterest income to average assets | 0.7013% | 1,610 |
| Noninterest expense to average assets | 2.9843% | 2,036 |
| Loan and lease loss provision to assets | 0.2251% | 688 |
| Net operating income to assets | 0.8288% | 3,521 |
| Return on assets (ROA) | 0.8288% | 3,560 |
| Pretax return on assets | 0.8288% | 3,971 |
| Return on Equity (ROE) | 8.7875% | 2,904 |
| Retained earnings to average equity (ytd only) | -7.7313% | 5,023 |
| Net charge-offs to loans | 1.0450% | 131 |
| Credit loss provision to net charge-offs | 29.3506% | 2,093 |
| Earnings coverage of net charge-offs (x) | 1.3740% | 2,605 |
| Efficiency ratio | 73.9023% | 1,765 |
| Assets per employee ($millions) | 4.1884% | 3,643 |
| Cash dividends to net income (ytd only)* | 187.9808% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 642 |
| Loan loss allowance to noncurrent loans | 30.3312% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 5.0670% | 65 |
| Noncurrent loans to loans | 6.1108% | 75 |
| Net loans and leases to total assets | 68.9935% | 2,621 |
| Net loans and leases to deposits | 79.6961% | 2,875 |
| Net loans and leases to core deposits | 96.3933% | 1,902 |
| Total domestic deposits to total assets | 86.5707% | 2,022 |
| Equity capital to assets | 9.2403% | 4,490 |
| Core capital (leverage) ratio | 9.2608% | 4,397 |
| Tier 1 risk-based capital ratio | 11.7469% | 4,592 |
| Total risk-based capital ratio | 13.0020% | 4,492 |
| Memoranda: | ||
| Average total assets | $200,781,000 | 2,898 |
| Average earning assets | $181,862,000 | 2,931 |
| Average equity | $18,936,000 | 3,266 |
| Average total loans | $147,371,500 | 2,719 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9675% | 172 |
| Cost of funding earning assets | 1.0279% | 676 |
| Net interest margin | 4.9396% | 300 |
| Noninterest income to average assets | 0.8652% | 1,279 |
| Noninterest expense to average assets | 3.1129% | 1,765 |
| Loan and lease loss provision to assets | 0.3358% | 462 |
| Net operating income to assets | 1.9438% | 400 |
| Return on assets (ROA) | 1.9454% | 397 |
| Pretax return on assets | 1.9454% | 637 |
| Return on Equity (ROE) | 19.0552% | 307 |
| Retained earnings to average equity (ytd only) | 5.1801% | 2,674 |
| Net charge-offs to loans | 0.4633% | 395 |
| Credit loss provision to net charge-offs | 94.8301% | 2,641 |
| Earnings coverage of net charge-offs (x) | 6.4372% | 3,090 |
| Efficiency ratio | 57.7263% | 4,190 |
| Assets per employee ($millions) | 4.0290% | 3,855 |
| Cash dividends to net income (ytd only)* | 72.8153% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 1,924 |
| Loan loss allowance to noncurrent loans | 88.3865% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 2.1305% | 430 |
| Noncurrent loans to loans | 1.4993% | 1,016 |
| Net loans and leases to total assets | 75.2086% | 1,738 |
| Net loans and leases to deposits | 88.0893% | 2,030 |
| Net loans and leases to core deposits | 106.3131% | 1,248 |
| Total domestic deposits to total assets | 85.3776% | 2,476 |
| Equity capital to assets | 10.1305% | 3,541 |
| Core capital (leverage) ratio | 10.3186% | 3,235 |
| Tier 1 risk-based capital ratio | 12.6841% | 4,022 |
| Total risk-based capital ratio | 13.9345% | 3,910 |
| Memoranda: | ||
| Average total assets | $191,173,400 | 2,950 |
| Average earning assets | $175,215,200 | 2,975 |
| Average equity | $19,517,000 | 3,132 |
| Average total loans | $146,120,400 | 2,691 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9497% | 167 |
| Cost of funding earning assets | 0.9683% | 690 |
| Net interest margin | 4.9814% | 273 |
| Noninterest income to average assets | 0.9162% | 1,150 |
| Noninterest expense to average assets | 3.0883% | 1,788 |
| Loan and lease loss provision to assets | 0.3382% | 410 |
| Net operating income to assets | 2.0694% | 331 |
| Return on assets (ROA) | 2.0716% | 327 |
| Pretax return on assets | 2.0716% | 524 |
| Return on Equity (ROE) | 20.2508% | 259 |
| Retained earnings to average equity (ytd only) | 6.8053% | 2,232 |
| Net charge-offs to loans | 0.3815% | 425 |
| Credit loss provision to net charge-offs | 115.9036% | 2,040 |
| Earnings coverage of net charge-offs (x) | 8.2506% | 2,731 |
| Efficiency ratio | 56.1924% | 4,364 |
| Assets per employee ($millions) | 3.9316% | 3,996 |
| Cash dividends to net income (ytd only)* | 66.3950% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 1,720 |
| Loan loss allowance to noncurrent loans | 62.5934% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.0115% | 528 |
| Noncurrent loans to loans | 2.2285% | 625 |
| Net loans and leases to total assets | 76.8753% | 1,519 |
| Net loans and leases to deposits | 90.4073% | 1,837 |
| Net loans and leases to core deposits | 109.5578% | 1,064 |
| Total domestic deposits to total assets | 85.0322% | 2,594 |
| Equity capital to assets | 10.2083% | 3,441 |
| Core capital (leverage) ratio | 10.4219% | 3,164 |
| Tier 1 risk-based capital ratio | 12.8610% | 3,987 |
| Total risk-based capital ratio | 14.1120% | 3,890 |
| Memoranda: | ||
| Average total assets | $189,611,000 | 2,990 |
| Average earning assets | $174,324,750 | 3,005 |
| Average equity | $19,396,250 | 3,163 |
| Average total loans | $145,032,250 | 2,722 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8841% | 165 |
| Cost of funding earning assets | 0.9205% | 670 |
| Net interest margin | 4.9637% | 263 |
| Noninterest income to average assets | 0.7391% | 1,690 |
| Noninterest expense to average assets | 3.0859% | 1,824 |
| Loan and lease loss provision to assets | 0.3404% | 393 |
| Net operating income to assets | 1.8876% | 480 |
| Return on assets (ROA) | 1.8908% | 472 |
| Pretax return on assets | 1.8908% | 788 |
| Return on Equity (ROE) | 18.4706% | 377 |
| Retained earnings to average equity (ytd only) | 6.3192% | 2,404 |
| Net charge-offs to loans | 0.3573% | 443 |
| Credit loss provision to net charge-offs | 125.3906% | 1,755 |
| Earnings coverage of net charge-offs (x) | 8.2070% | 2,495 |
| Efficiency ratio | 58.0722% | 4,221 |
| Assets per employee ($millions) | 3.9379% | 4,008 |
| Cash dividends to net income (ytd only)* | 65.7880% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,533 |
| Loan loss allowance to noncurrent loans | 69.2689% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 606 |
| Noncurrent loans to loans | 2.1015% | 682 |
| Net loans and leases to total assets | 73.4635% | 2,042 |
| Net loans and leases to deposits | 84.4909% | 2,483 |
| Net loans and leases to core deposits | 100.3234% | 1,711 |
| Total domestic deposits to total assets | 86.9484% | 1,859 |
| Equity capital to assets | 10.1162% | 3,527 |
| Core capital (leverage) ratio | 10.3986% | 3,140 |
| Tier 1 risk-based capital ratio | 12.8563% | 3,979 |
| Total risk-based capital ratio | 14.1075% | 3,890 |
| Memoranda: | ||
| Average total assets | $188,599,000 | 3,017 |
| Average earning assets | $173,823,330 | 3,021 |
| Average equity | $19,306,330 | 3,194 |
| Average total loans | $143,312,000 | 2,760 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8141% | 178 |
| Cost of funding earning assets | 0.8832% | 652 |
| Net interest margin | 4.9308% | 258 |
| Noninterest income to average assets | 0.7488% | 1,626 |
| Noninterest expense to average assets | 3.1542% | 1,682 |
| Loan and lease loss provision to assets | 0.3433% | 357 |
| Net operating income to assets | 1.8153% | 547 |
| Return on assets (ROA) | 1.8217% | 544 |
| Pretax return on assets | 1.8217% | 872 |
| Return on Equity (ROE) | 17.6880% | 444 |
| Retained earnings to average equity (ytd only) | 1.3959% | 4,519 |
| Net charge-offs to loans | 0.2377% | 642 |
| Credit loss provision to net charge-offs | 188.2353% | 1,080 |
| Earnings coverage of net charge-offs (x) | 11.8353% | 1,826 |
| Efficiency ratio | 59.3700% | 4,156 |
| Assets per employee ($millions) | 3.8493% | 4,214 |
| Cash dividends to net income (ytd only)* | 92.1084% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,532 |
| Loan loss allowance to noncurrent loans | 53.3063% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 2.3360% | 422 |
| Noncurrent loans to loans | 2.7770% | 451 |
| Net loans and leases to total assets | 74.2383% | 1,818 |
| Net loans and leases to deposits | 85.3661% | 2,250 |
| Net loans and leases to core deposits | 101.7890% | 1,549 |
| Total domestic deposits to total assets | 86.9646% | 2,137 |
| Equity capital to assets | 10.0765% | 3,527 |
| Core capital (leverage) ratio | 10.2530% | 3,237 |
| Tier 1 risk-based capital ratio | 12.7763% | 4,073 |
| Total risk-based capital ratio | 14.0284% | 3,965 |
| Memoranda: | ||
| Average total assets | $186,420,000 | 3,069 |
| Average earning assets | $172,546,500 | 3,065 |
| Average equity | $19,199,500 | 3,229 |
| Average total loans | $143,044,500 | 2,776 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7072% | 194 |
| Cost of funding earning assets | 0.8134% | 579 |
| Net interest margin | 4.8938% | 285 |
| Noninterest income to average assets | 0.9577% | 1,116 |
| Noninterest expense to average assets | 3.1576% | 1,703 |
| Loan and lease loss provision to assets | 0.3561% | 440 |
| Net operating income to assets | 2.0027% | 284 |
| Return on assets (ROA) | 1.9932% | 290 |
| Pretax return on assets | 1.9932% | 498 |
| Return on Equity (ROE) | 18.7563% | 257 |
| Retained earnings to average equity (ytd only) | 6.4873% | 1,285 |
| Net charge-offs to loans | 0.2247% | 1,155 |
| Credit loss provision to net charge-offs | 210.8553% | 1,291 |
| Earnings coverage of net charge-offs (x) | 13.9671% | 2,360 |
| Efficiency ratio | 57.2407% | 4,619 |
| Assets per employee ($millions) | 3.7617% | 4,339 |
| Cash dividends to net income (ytd only)* | 65.4125% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,729 |
| Loan loss allowance to noncurrent loans | 55.3918% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.2900% | 433 |
| Noncurrent loans to loans | 2.5445% | 518 |
| Net loans and leases to total assets | 77.0011% | 1,428 |
| Net loans and leases to deposits | 88.3864% | 1,973 |
| Net loans and leases to core deposits | 105.3471% | 1,315 |
| Total domestic deposits to total assets | 87.1187% | 1,936 |
| Equity capital to assets | 10.5750% | 3,080 |
| Core capital (leverage) ratio | 10.4625% | 2,888 |
| Tier 1 risk-based capital ratio | 13.3235% | 3,729 |
| Total risk-based capital ratio | 14.5756% | 3,638 |
| Memoranda: | ||
| Average total assets | $180,008,200 | 3,113 |
| Average earning assets | $167,683,200 | 3,105 |
| Average equity | $19,129,600 | 3,229 |
| Average total loans | $135,294,600 | 2,845 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6823% | 201 |
| Cost of funding earning assets | 0.7954% | 594 |
| Net interest margin | 4.8869% | 281 |
| Noninterest income to average assets | 0.8696% | 1,375 |
| Noninterest expense to average assets | 3.1162% | 1,759 |
| Loan and lease loss provision to assets | 0.3577% | 411 |
| Net operating income to assets | 1.9463% | 351 |
| Return on assets (ROA) | 1.8681% | 422 |
| Pretax return on assets | 1.8681% | 749 |
| Return on Equity (ROE) | 17.5565% | 372 |
| Retained earnings to average equity (ytd only) | 7.4442% | 1,459 |
| Net charge-offs to loans | 0.3585% | 588 |
| Credit loss provision to net charge-offs | 134.0782% | 1,835 |
| Earnings coverage of net charge-offs (x) | 8.6369% | 2,756 |
| Efficiency ratio | 57.4924% | 4,566 |
| Assets per employee ($millions) | 3.5532% | 4,648 |
| Cash dividends to net income (ytd only)* | 57.5989% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,333 |
| Loan loss allowance to noncurrent loans | 75.3948% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.6748% | 862 |
| Noncurrent loans to loans | 1.7307% | 1,045 |
| Net loans and leases to total assets | 75.7151% | 1,636 |
| Net loans and leases to deposits | 87.3138% | 2,147 |
| Net loans and leases to core deposits | 105.6683% | 1,295 |
| Total domestic deposits to total assets | 86.7160% | 1,987 |
| Equity capital to assets | 10.8961% | 2,964 |
| Core capital (leverage) ratio | 10.6528% | 2,825 |
| Tier 1 risk-based capital ratio | 13.5651% | 3,663 |
| Total risk-based capital ratio | 14.8160% | 3,580 |
| Memoranda: | ||
| Average total assets | $178,929,750 | 3,154 |
| Average earning assets | $166,619,250 | 3,145 |
| Average equity | $19,039,000 | 3,271 |
| Average total loans | $133,128,500 | 2,891 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 236 |
| Cost of funding earning assets | 0.8001% | 525 |
| Net interest margin | 4.7211% | 378 |
| Noninterest income to average assets | 0.9811% | 1,067 |
| Noninterest expense to average assets | 3.0342% | 2,033 |
| Loan and lease loss provision to assets | 0.3446% | 424 |
| Net operating income to assets | 2.0003% | 308 |
| Return on assets (ROA) | 2.0587% | 281 |
| Pretax return on assets | 2.0587% | 485 |
| Return on Equity (ROE) | 19.5068% | 240 |
| Retained earnings to average equity (ytd only) | 11.8488% | 334 |
| Net charge-offs to loans | 0.1891% | 1,056 |
| Credit loss provision to net charge-offs | 247.5806% | 1,089 |
| Earnings coverage of net charge-offs (x) | 16.8468% | 1,959 |
| Efficiency ratio | 56.4065% | 4,779 |
| Assets per employee ($millions) | 3.8089% | 4,264 |
| Cash dividends to net income (ytd only)* | 39.2585% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,987 |
| Loan loss allowance to noncurrent loans | 129.3996% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.1530% | 1,495 |
| Noncurrent loans to loans | 1.0746% | 1,824 |
| Net loans and leases to total assets | 72.7280% | 2,090 |
| Net loans and leases to deposits | 83.6474% | 2,527 |
| Net loans and leases to core deposits | 100.3562% | 1,626 |
| Total domestic deposits to total assets | 86.9460% | 1,975 |
| Equity capital to assets | 10.7770% | 3,051 |
| Core capital (leverage) ratio | 10.8106% | 2,588 |
| Tier 1 risk-based capital ratio | 13.7747% | 3,550 |
| Total risk-based capital ratio | 15.0262% | 3,466 |
| Memoranda: | ||
| Average total assets | $178,169,330 | 3,179 |
| Average earning assets | $165,978,000 | 3,167 |
| Average equity | $18,803,670 | 3,300 |
| Average total loans | $131,165,330 | 2,929 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6838% | 185 |
| Cost of funding earning assets | 0.7456% | 673 |
| Net interest margin | 4.9382% | 245 |
| Noninterest income to average assets | 1.1510% | 760 |
| Noninterest expense to average assets | 3.0414% | 2,049 |
| Loan and lease loss provision to assets | 0.3662% | 315 |
| Net operating income to assets | 2.3385% | 183 |
| Return on assets (ROA) | 2.3385% | 183 |
| Pretax return on assets | 2.3385% | 282 |
| Return on Equity (ROE) | 22.4038% | 138 |
| Retained earnings to average equity (ytd only) | 14.5363% | 265 |
| Net charge-offs to loans | -0.0557% | 5,233 |
| Credit loss provision to net charge-offs | -894.4444% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9295% | 5,210 |
| Assets per employee ($millions) | 3.5262% | 4,754 |
| Cash dividends to net income (ytd only)* | 35.1167% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,880 |
| Loan loss allowance to noncurrent loans | 158.4251% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 2,562 |
| Noncurrent loans to loans | 0.9123% | 2,210 |
| Net loans and leases to total assets | 70.9448% | 2,229 |
| Net loans and leases to deposits | 81.3856% | 2,583 |
| Net loans and leases to core deposits | 97.5249% | 1,699 |
| Total domestic deposits to total assets | 87.1712% | 2,126 |
| Equity capital to assets | 10.5462% | 3,136 |
| Core capital (leverage) ratio | 10.5556% | 2,838 |
| Tier 1 risk-based capital ratio | 13.8055% | 3,600 |
| Total risk-based capital ratio | 15.0573% | 3,508 |
| Memoranda: | ||
| Average total assets | $175,841,500 | 3,233 |
| Average earning assets | $163,621,500 | 3,221 |
| Average equity | $18,354,000 | 3,362 |
| Average total loans | $129,328,000 | 2,971 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8443% | 152 |
| Cost of funding earning assets | 0.6950% | 829 |
| Net interest margin | 5.1493% | 183 |
| Noninterest income to average assets | 0.6590% | 2,375 |
| Noninterest expense to average assets | 3.1304% | 1,950 |
| Loan and lease loss provision to assets | 0.6375% | 202 |
| Net operating income to assets | 1.7070% | 537 |
| Return on assets (ROA) | 1.8917% | 396 |
| Pretax return on assets | 1.8917% | 636 |
| Return on Equity (ROE) | 17.1755% | 390 |
| Retained earnings to average equity (ytd only) | 4.9660% | 2,364 |
| Net charge-offs to loans | 0.6376% | 352 |
| Credit loss provision to net charge-offs | 136.8286% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.0320% | 3,400 |
| Efficiency ratio | 57.1771% | 4,935 |
| Assets per employee ($millions) | 3.4369% | 4,846 |
| Cash dividends to net income (ytd only)* | 71.0866% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 2,494 |
| Loan loss allowance to noncurrent loans | 220.5997% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 2,492 |
| Noncurrent loans to loans | 0.5937% | 3,072 |
| Net loans and leases to total assets | 74.1990% | 1,820 |
| Net loans and leases to deposits | 85.3833% | 2,254 |
| Net loans and leases to core deposits | 100.6393% | 1,569 |
| Total domestic deposits to total assets | 86.9011% | 2,200 |
| Equity capital to assets | 10.3244% | 3,358 |
| Core capital (leverage) ratio | 10.6813% | 2,679 |
| Tier 1 risk-based capital ratio | 13.4490% | 3,803 |
| Total risk-based capital ratio | 14.6989% | 3,699 |
| Memoranda: | ||
| Average total assets | $167,840,600 | 3,311 |
| Average earning assets | $156,972,400 | 3,281 |
| Average equity | $18,485,600 | 3,339 |
| Average total loans | $122,650,200 | 3,026 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8191% | 159 |
| Cost of funding earning assets | 0.6796% | 907 |
| Net interest margin | 5.1395% | 197 |
| Noninterest income to average assets | 0.6617% | 2,357 |
| Noninterest expense to average assets | 3.0911% | 2,048 |
| Loan and lease loss provision to assets | 0.7112% | 158 |
| Net operating income to assets | 1.6702% | 632 |
| Return on assets (ROA) | 1.9931% | 360 |
| Pretax return on assets | 1.9931% | 578 |
| Return on Equity (ROE) | 17.8092% | 373 |
| Retained earnings to average equity (ytd only) | 7.4979% | 1,402 |
| Net charge-offs to loans | 0.6324% | 322 |
| Credit loss provision to net charge-offs | 155.0523% | 1,737 |
| Earnings coverage of net charge-offs (x) | 5.1917% | 3,161 |
| Efficiency ratio | 56.4836% | 5,010 |
| Assets per employee ($millions) | 3.4545% | 4,833 |
| Cash dividends to net income (ytd only)* | 57.8991% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 4,340 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.9346% | 1,530 |
| Net loans and leases to deposits | 89.4898% | 1,824 |
| Net loans and leases to core deposits | 106.0327% | 1,180 |
| Total domestic deposits to total assets | 84.8528% | 2,872 |
| Equity capital to assets | 11.0390% | 2,963 |
| Core capital (leverage) ratio | 10.8129% | 2,672 |
| Tier 1 risk-based capital ratio | 13.6501% | 3,768 |
| Total risk-based capital ratio | 14.9004% | 3,682 |
| Memoranda: | ||
| Average total assets | $166,839,250 | 3,337 |
| Average earning assets | $156,171,000 | 3,308 |
| Average equity | $18,671,500 | 3,347 |
| Average total loans | $121,012,750 | 3,053 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7995% | 161 |
| Cost of funding earning assets | 0.6354% | 1,113 |
| Net interest margin | 5.1641% | 180 |
| Noninterest income to average assets | 0.6348% | 2,442 |
| Noninterest expense to average assets | 3.0055% | 2,325 |
| Loan and lease loss provision to assets | 0.8553% | 119 |
| Net operating income to assets | 1.6298% | 672 |
| Return on assets (ROA) | 2.1165% | 283 |
| Pretax return on assets | 2.1165% | 454 |
| Return on Equity (ROE) | 18.8250% | 308 |
| Retained earnings to average equity (ytd only) | 7.2214% | 1,501 |
| Net charge-offs to loans | 0.9514% | 195 |
| Credit loss provision to net charge-offs | 126.5597% | 1,789 |
| Earnings coverage of net charge-offs (x) | 3.6774% | 3,074 |
| Efficiency ratio | 54.7389% | 5,256 |
| Assets per employee ($millions) | 3.9381% | 4,023 |
| Cash dividends to net income (ytd only)* | 61.6392% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,919 |
| Loan loss allowance to noncurrent loans | 83.0481% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.6600% | 1,090 |
| Noncurrent loans to loans | 1.5361% | 1,404 |
| Net loans and leases to total assets | 70.9736% | 2,332 |
| Net loans and leases to deposits | 82.6856% | 2,627 |
| Net loans and leases to core deposits | 96.4219% | 1,943 |
| Total domestic deposits to total assets | 85.8355% | 2,500 |
| Equity capital to assets | 11.2910% | 2,745 |
| Core capital (leverage) ratio | 10.5908% | 2,858 |
| Tier 1 risk-based capital ratio | 14.1603% | 3,520 |
| Total risk-based capital ratio | 15.4070% | 3,435 |
| Memoranda: | ||
| Average total assets | $166,028,330 | 3,366 |
| Average earning assets | $156,117,000 | 3,323 |
| Average equity | $18,666,670 | 3,344 |
| Average total loans | $117,931,670 | 3,113 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6894% | 188 |
| Cost of funding earning assets | 0.6486% | 1,062 |
| Net interest margin | 5.0408% | 231 |
| Noninterest income to average assets | 0.6400% | 2,319 |
| Noninterest expense to average assets | 3.1246% | 2,030 |
| Loan and lease loss provision to assets | 0.2920% | 546 |
| Net operating income to assets | 1.9517% | 364 |
| Return on assets (ROA) | 1.9517% | 385 |
| Pretax return on assets | 1.9517% | 623 |
| Return on Equity (ROE) | 17.3970% | 401 |
| Retained earnings to average equity (ytd only) | 9.5662% | 963 |
| Net charge-offs to loans | -0.0034% | 4,201 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2049% | 4,969 |
| Assets per employee ($millions) | 3.9283% | 4,075 |
| Cash dividends to net income (ytd only)* | 45.0125% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,828 |
| Loan loss allowance to noncurrent loans | 68.1108% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.5576% | 1,289 |
| Noncurrent loans to loans | 1.9310% | 1,123 |
| Net loans and leases to total assets | 67.7396% | 2,683 |
| Net loans and leases to deposits | 78.7541% | 2,920 |
| Net loans and leases to core deposits | 91.7323% | 2,208 |
| Total domestic deposits to total assets | 86.0140% | 2,664 |
| Equity capital to assets | 11.1343% | 2,792 |
| Core capital (leverage) ratio | 10.4442% | 3,022 |
| Tier 1 risk-based capital ratio | 13.9535% | 3,723 |
| Total risk-based capital ratio | 15.1916% | 3,655 |
| Memoranda: | ||
| Average total assets | $164,373,000 | 3,396 |
| Average earning assets | $154,182,000 | 3,362 |
| Average equity | $18,440,000 | 3,377 |
| Average total loans | $116,028,000 | 3,145 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5966% | 236 |
| Cost of funding earning assets | 0.6301% | 1,173 |
| Net interest margin | 4.9665% | 271 |
| Noninterest income to average assets | 0.6595% | 2,411 |
| Noninterest expense to average assets | 3.0111% | 2,507 |
| Loan and lease loss provision to assets | 0.3076% | 550 |
| Net operating income to assets | 2.0087% | 341 |
| Return on assets (ROA) | 2.0959% | 303 |
| Pretax return on assets | 2.0959% | 439 |
| Return on Equity (ROE) | 18.5855% | 344 |
| Retained earnings to average equity (ytd only) | 6.2690% | 1,662 |
| Net charge-offs to loans | 0.2730% | 1,113 |
| Credit loss provision to net charge-offs | 161.6162% | 1,666 |
| Earnings coverage of net charge-offs (x) | 12.1684% | 2,492 |
| Efficiency ratio | 56.5207% | 5,295 |
| Assets per employee ($millions) | 3.7169% | 4,448 |
| Cash dividends to net income (ytd only)* | 66.2691% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 3,425 |
| Loan loss allowance to noncurrent loans | 54.5031% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.8570% | 1,001 |
| Noncurrent loans to loans | 2.2187% | 887 |
| Net loans and leases to total assets | 71.7663% | 2,094 |
| Net loans and leases to deposits | 83.6319% | 2,404 |
| Net loans and leases to core deposits | 98.1836% | 1,659 |
| Total domestic deposits to total assets | 85.8122% | 2,728 |
| Equity capital to assets | 11.3072% | 2,534 |
| Core capital (leverage) ratio | 10.8399% | 2,572 |
| Tier 1 risk-based capital ratio | 13.9206% | 3,757 |
| Total risk-based capital ratio | 15.0725% | 3,741 |
| Memoranda: | ||
| Average total assets | $156,021,800 | 3,484 |
| Average earning assets | $146,641,600 | 3,448 |
| Average equity | $17,594,400 | 3,441 |
| Average total loans | $108,806,800 | 3,224 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5401% | 244 |
| Cost of funding earning assets | 0.6252% | 1,244 |
| Net interest margin | 4.9149% | 304 |
| Noninterest income to average assets | 0.6655% | 2,409 |
| Noninterest expense to average assets | 3.0514% | 2,357 |
| Loan and lease loss provision to assets | 0.3095% | 458 |
| Net operating income to assets | 1.9346% | 402 |
| Return on assets (ROA) | 2.0515% | 349 |
| Pretax return on assets | 2.0515% | 541 |
| Return on Equity (ROE) | 18.2046% | 390 |
| Retained earnings to average equity (ytd only) | 7.6450% | 1,397 |
| Net charge-offs to loans | 0.2331% | 1,129 |
| Credit loss provision to net charge-offs | 192.5134% | 1,376 |
| Earnings coverage of net charge-offs (x) | 13.9570% | 2,279 |
| Efficiency ratio | 57.6230% | 5,165 |
| Assets per employee ($millions) | 4.0626% | 3,776 |
| Cash dividends to net income (ytd only)* | 58.0052% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 3,557 |
| Loan loss allowance to noncurrent loans | 74.7453% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 1,607 |
| Noncurrent loans to loans | 1.6282% | 1,514 |
| Net loans and leases to total assets | 71.4143% | 2,153 |
| Net loans and leases to deposits | 84.5426% | 2,338 |
| Net loans and leases to core deposits | 99.1274% | 1,591 |
| Total domestic deposits to total assets | 84.4714% | 3,231 |
| Equity capital to assets | 11.3322% | 2,664 |
| Core capital (leverage) ratio | 11.0063% | 2,483 |
| Tier 1 risk-based capital ratio | 14.1193% | 3,786 |
| Total risk-based capital ratio | 15.2865% | 3,769 |
| Memoranda: | ||
| Average total assets | $155,070,500 | 3,526 |
| Average earning assets | $146,083,000 | 3,488 |
| Average equity | $17,475,000 | 3,484 |
| Average total loans | $106,982,000 | 3,286 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4290% | 300 |
| Cost of funding earning assets | 0.6224% | 1,276 |
| Net interest margin | 4.8066% | 355 |
| Noninterest income to average assets | 0.6327% | 2,564 |
| Noninterest expense to average assets | 2.9478% | 2,727 |
| Loan and lease loss provision to assets | 0.3118% | 471 |
| Net operating income to assets | 1.8981% | 435 |
| Return on assets (ROA) | 1.8799% | 461 |
| Pretax return on assets | 1.8799% | 764 |
| Return on Equity (ROE) | 16.7138% | 524 |
| Retained earnings to average equity (ytd only) | 4.8975% | 2,927 |
| Net charge-offs to loans | 0.3063% | 868 |
| Credit loss provision to net charge-offs | 150.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 10.6313% | 2,350 |
| Efficiency ratio | 57.1537% | 5,317 |
| Assets per employee ($millions) | 4.4680% | 3,037 |
| Cash dividends to net income (ytd only)* | 70.6980% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 3,902 |
| Loan loss allowance to noncurrent loans | 71.6015% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.4740% | 1,681 |
| Noncurrent loans to loans | 1.6485% | 1,586 |
| Net loans and leases to total assets | 69.6519% | 2,370 |
| Net loans and leases to deposits | 79.9098% | 2,800 |
| Net loans and leases to core deposits | 92.6514% | 2,097 |
| Total domestic deposits to total assets | 87.1632% | 2,075 |
| Equity capital to assets | 11.0347% | 2,855 |
| Core capital (leverage) ratio | 10.5373% | 2,907 |
| Tier 1 risk-based capital ratio | 14.1760% | 3,829 |
| Total risk-based capital ratio | 15.3085% | 3,833 |
| Memoranda: | ||
| Average total assets | $153,946,330 | 3,563 |
| Average earning assets | $144,926,330 | 3,526 |
| Average equity | $17,315,000 | 3,524 |
| Average total loans | $104,461,000 | 3,353 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 334 |
| Cost of funding earning assets | 0.6176% | 1,322 |
| Net interest margin | 4.7145% | 400 |
| Noninterest income to average assets | 0.6267% | 2,515 |
| Noninterest expense to average assets | 2.8741% | 2,993 |
| Loan and lease loss provision to assets | 0.3147% | 440 |
| Net operating income to assets | 1.8619% | 432 |
| Return on assets (ROA) | 1.8619% | 460 |
| Pretax return on assets | 1.8619% | 770 |
| Return on Equity (ROE) | 16.5588% | 514 |
| Retained earnings to average equity (ytd only) | 9.5388% | 1,033 |
| Net charge-offs to loans | 0.0473% | 2,320 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 69.1667% | 652 |
| Efficiency ratio | 56.9055% | 5,447 |
| Assets per employee ($millions) | 4.4199% | 3,171 |
| Cash dividends to net income (ytd only)* | 42.3944% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 3,474 |
| Loan loss allowance to noncurrent loans | 57.1859% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.7492% | 1,414 |
| Noncurrent loans to loans | 2.2510% | 1,110 |
| Net loans and leases to total assets | 65.8791% | 2,798 |
| Net loans and leases to deposits | 75.7261% | 3,084 |
| Net loans and leases to core deposits | 87.4655% | 2,377 |
| Total domestic deposits to total assets | 86.9965% | 2,369 |
| Equity capital to assets | 11.2989% | 2,647 |
| Core capital (leverage) ratio | 10.6714% | 2,776 |
| Tier 1 risk-based capital ratio | 13.9501% | 4,057 |
| Total risk-based capital ratio | 15.0891% | 4,050 |
| Memoranda: | ||
| Average total assets | $152,533,500 | 3,615 |
| Average earning assets | $143,134,000 | 3,575 |
| Average equity | $17,151,000 | 3,571 |
| Average total loans | $101,580,500 | 3,422 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4111% | 372 |
| Cost of funding earning assets | 0.6770% | 1,223 |
| Net interest margin | 4.7341% | 495 |
| Noninterest income to average assets | 0.6975% | 2,314 |
| Noninterest expense to average assets | 2.9647% | 2,951 |
| Loan and lease loss provision to assets | 0.2416% | 973 |
| Net operating income to assets | 1.9342% | 369 |
| Return on assets (ROA) | 2.0086% | 332 |
| Pretax return on assets | 2.0086% | 501 |
| Return on Equity (ROE) | 17.4947% | 444 |
| Retained earnings to average equity (ytd only) | 2.3005% | 4,596 |
| Net charge-offs to loans | 0.2960% | 1,489 |
| Credit loss provision to net charge-offs | 125.9786% | 1,900 |
| Earnings coverage of net charge-offs (x) | 11.3452% | 2,502 |
| Efficiency ratio | 57.6739% | 5,496 |
| Assets per employee ($millions) | 4.2963% | 3,372 |
| Cash dividends to net income (ytd only)* | 86.8502% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 3,869 |
| Loan loss allowance to noncurrent loans | 55.1242% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.7018% | 1,569 |
| Noncurrent loans to loans | 2.2168% | 1,197 |
| Net loans and leases to total assets | 65.6368% | 2,958 |
| Net loans and leases to deposits | 75.4024% | 3,267 |
| Net loans and leases to core deposits | 87.2870% | 2,585 |
| Total domestic deposits to total assets | 87.0486% | 2,256 |
| Equity capital to assets | 11.1877% | 2,713 |
| Core capital (leverage) ratio | 10.8719% | 2,531 |
| Tier 1 risk-based capital ratio | 14.6013% | 3,723 |
| Total risk-based capital ratio | 15.7248% | 3,730 |
| Memoranda: | ||
| Average total assets | $146,522,600 | 3,686 |
| Average earning assets | $137,513,200 | 3,635 |
| Average equity | $16,822,200 | 3,554 |
| Average total loans | $94,934,800 | 3,526 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 400 |
| Cost of funding earning assets | 0.6918% | 1,190 |
| Net interest margin | 4.6750% | 530 |
| Noninterest income to average assets | 0.6998% | 2,327 |
| Noninterest expense to average assets | 2.9009% | 3,114 |
| Loan and lease loss provision to assets | 0.2143% | 1,074 |
| Net operating income to assets | 1.9794% | 354 |
| Return on assets (ROA) | 2.0793% | 305 |
| Pretax return on assets | 2.0793% | 472 |
| Return on Equity (ROE) | 17.9919% | 449 |
| Retained earnings to average equity (ytd only) | 8.4491% | 1,169 |
| Net charge-offs to loans | 0.0911% | 2,910 |
| Credit loss provision to net charge-offs | 365.6250% | 771 |
| Earnings coverage of net charge-offs (x) | 37.4224% | 1,181 |
| Efficiency ratio | 56.9399% | 5,567 |
| Assets per employee ($millions) | 4.1420% | 3,578 |
| Cash dividends to net income (ytd only)* | 53.0396% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 3,668 |
| Loan loss allowance to noncurrent loans | 53.0834% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.9190% | 1,521 |
| Noncurrent loans to loans | 2.4412% | 1,213 |
| Net loans and leases to total assets | 69.1959% | 2,327 |
| Net loans and leases to deposits | 80.5405% | 2,611 |
| Net loans and leases to core deposits | 93.8014% | 1,889 |
| Total domestic deposits to total assets | 85.9144% | 2,888 |
| Equity capital to assets | 12.1004% | 1,978 |
| Core capital (leverage) ratio | 11.3909% | 2,143 |
| Tier 1 risk-based capital ratio | 15.6428% | 3,241 |
| Total risk-based capital ratio | 16.8877% | 3,178 |
| Memoranda: | ||
| Average total assets | $145,560,750 | 3,734 |
| Average earning assets | $136,838,750 | 3,678 |
| Average equity | $16,822,000 | 3,568 |
| Average total loans | $93,688,750 | 3,592 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 1,042 |
| Cost of funding earning assets | 0.7134% | 1,122 |
| Net interest margin | 4.1054% | 1,488 |
| Noninterest income to average assets | 0.6435% | 2,584 |
| Noninterest expense to average assets | 2.4616% | 4,694 |
| Loan and lease loss provision to assets | 0.1564% | 1,582 |
| Net operating income to assets | 1.8867% | 421 |
| Return on assets (ROA) | 2.0349% | 332 |
| Pretax return on assets | 2.0349% | 519 |
| Return on Equity (ROE) | 17.8869% | 468 |
| Retained earnings to average equity (ytd only) | 7.0076% | 1,770 |
| Net charge-offs to loans | 0.1318% | 2,348 |
| Credit loss provision to net charge-offs | 190.0000% | 1,218 |
| Earnings coverage of net charge-offs (x) | 24.8167% | 1,414 |
| Efficiency ratio | 54.6451% | 5,856 |
| Assets per employee ($millions) | 4.3172% | 3,236 |
| Cash dividends to net income (ytd only)* | 60.8227% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 4,201 |
| Loan loss allowance to noncurrent loans | 47.8884% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 1.9150% | 1,687 |
| Noncurrent loans to loans | 2.5966% | 1,187 |
| Net loans and leases to total assets | 65.0348% | 2,902 |
| Net loans and leases to deposits | 75.0806% | 3,184 |
| Net loans and leases to core deposits | 86.8286% | 2,435 |
| Total domestic deposits to total assets | 86.6200% | 2,686 |
| Equity capital to assets | 11.5842% | 2,347 |
| Core capital (leverage) ratio | 11.0438% | 2,380 |
| Tier 1 risk-based capital ratio | 15.5707% | 3,316 |
| Total risk-based capital ratio | 16.7360% | 3,302 |
| Memoranda: | ||
| Average total assets | $145,757,330 | 3,748 |
| Average earning assets | $137,087,000 | 3,690 |
| Average equity | $16,582,000 | 3,601 |
| Average total loans | $91,041,330 | 3,664 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 468 |
| Cost of funding earning assets | 0.7557% | 946 |
| Net interest margin | 4.4663% | 702 |
| Noninterest income to average assets | 0.5811% | 2,851 |
| Noninterest expense to average assets | 2.9303% | 3,118 |
| Loan and lease loss provision to assets | 0.1570% | 1,549 |
| Net operating income to assets | 1.6772% | 593 |
| Return on assets (ROA) | 1.9746% | 372 |
| Pretax return on assets | 1.9746% | 559 |
| Return on Equity (ROE) | 17.5188% | 482 |
| Retained earnings to average equity (ytd only) | 10.1643% | 924 |
| Net charge-offs to loans | 0.1813% | 1,633 |
| Credit loss provision to net charge-offs | 142.5000% | 1,304 |
| Earnings coverage of net charge-offs (x) | 16.6500% | 1,499 |
| Efficiency ratio | 61.5029% | 5,199 |
| Assets per employee ($millions) | 4.4829% | 2,996 |
| Cash dividends to net income (ytd only)* | 41.9805% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 4,068 |
| Loan loss allowance to noncurrent loans | 58.2791% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4763% | 2,396 |
| Noncurrent loans to loans | 2.2496% | 1,605 |
| Net loans and leases to total assets | 59.2779% | 3,669 |
| Net loans and leases to deposits | 68.1537% | 3,841 |
| Net loans and leases to core deposits | 77.9911% | 3,204 |
| Total domestic deposits to total assets | 86.9769% | 2,825 |
| Equity capital to assets | 11.2399% | 2,489 |
| Core capital (leverage) ratio | 10.9472% | 2,436 |
| Tier 1 risk-based capital ratio | 16.4402% | 2,928 |
| Total risk-based capital ratio | 17.6448% | 2,922 |
| Memoranda: | ||
| Average total assets | $145,243,000 | 3,782 |
| Average earning assets | $136,041,000 | 3,730 |
| Average equity | $16,371,000 | 3,638 |
| Average total loans | $88,230,000 | 3,745 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 816 |
| Cost of funding earning assets | 0.9077% | 708 |
| Net interest margin | 4.1510% | 1,495 |
| Noninterest income to average assets | 0.6359% | 2,882 |
| Noninterest expense to average assets | 2.9216% | 3,307 |
| Loan and lease loss provision to assets | 0.0982% | 3,158 |
| Net operating income to assets | 1.4793% | 859 |
| Return on assets (ROA) | 1.5754% | 751 |
| Pretax return on assets | 1.5754% | 1,232 |
| Return on Equity (ROE) | 14.9845% | 771 |
| Retained earnings to average equity (ytd only) | 5.7831% | 2,111 |
| Net charge-offs to loans | 0.3807% | 1,767 |
| Credit loss provision to net charge-offs | 44.9045% | 3,941 |
| Earnings coverage of net charge-offs (x) | 7.2134% | 2,889 |
| Efficiency ratio | 64.9381% | 4,747 |
| Assets per employee ($millions) | 4.3197% | 3,234 |
| Cash dividends to net income (ytd only)* | 61.4058% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,092 |
| Loan loss allowance to noncurrent loans | 58.0972% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 2,447 |
| Noncurrent loans to loans | 2.2557% | 1,717 |
| Net loans and leases to total assets | 60.6479% | 3,601 |
| Net loans and leases to deposits | 69.8469% | 3,801 |
| Net loans and leases to core deposits | 80.1240% | 3,118 |
| Total domestic deposits to total assets | 86.8298% | 2,815 |
| Equity capital to assets | 11.3042% | 2,337 |
| Core capital (leverage) ratio | 10.8588% | 2,517 |
| Tier 1 risk-based capital ratio | 16.3152% | 2,959 |
| Total risk-based capital ratio | 17.5250% | 2,927 |
| Memoranda: | ||
| Average total assets | $143,586,000 | 3,820 |
| Average earning assets | $133,630,600 | 3,763 |
| Average equity | $15,095,600 | 3,849 |
| Average total loans | $82,490,400 | 3,865 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 1,015 |
| Cost of funding earning assets | 0.9358% | 684 |
| Net interest margin | 4.0221% | 1,870 |
| Noninterest income to average assets | 0.6099% | 3,081 |
| Noninterest expense to average assets | 2.8613% | 3,438 |
| Loan and lease loss provision to assets | 0.1307% | 2,652 |
| Net operating income to assets | 1.3625% | 1,198 |
| Return on assets (ROA) | 1.3718% | 1,216 |
| Pretax return on assets | 1.3718% | 2,032 |
| Return on Equity (ROE) | 13.2961% | 1,172 |
| Retained earnings to average equity (ytd only) | 3.7912% | 3,986 |
| Net charge-offs to loans | 0.5500% | 1,157 |
| Credit loss provision to net charge-offs | 42.0896% | 3,665 |
| Earnings coverage of net charge-offs (x) | 4.8089% | 3,346 |
| Efficiency ratio | 65.7088% | 4,541 |
| Assets per employee ($millions) | 4.2307% | 3,366 |
| Cash dividends to net income (ytd only)* | 71.4866% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 4,485 |
| Loan loss allowance to noncurrent loans | 55.1910% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.6003% | 2,548 |
| Noncurrent loans to loans | 2.3236% | 1,885 |
| Net loans and leases to total assets | 60.3114% | 3,648 |
| Net loans and leases to deposits | 69.4829% | 3,857 |
| Net loans and leases to core deposits | 79.6868% | 3,155 |
| Total domestic deposits to total assets | 86.8004% | 2,800 |
| Equity capital to assets | 11.0195% | 2,740 |
| Core capital (leverage) ratio | 10.4374% | 3,078 |
| Tier 1 risk-based capital ratio | 15.4970% | 3,472 |
| Total risk-based capital ratio | 16.6588% | 3,468 |
| Memoranda: | ||
| Average total assets | $143,845,250 | 3,848 |
| Average earning assets | $133,924,500 | 3,794 |
| Average equity | $14,841,000 | 3,947 |
| Average total loans | $81,212,750 | 3,932 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 1,242 |
| Cost of funding earning assets | 0.9639% | 658 |
| Net interest margin | 3.8749% | 2,296 |
| Noninterest income to average assets | 0.5701% | 3,384 |
| Noninterest expense to average assets | 2.9879% | 3,038 |
| Loan and lease loss provision to assets | 0.1585% | 2,344 |
| Net operating income to assets | 1.0289% | 2,207 |
| Return on assets (ROA) | 1.0386% | 2,282 |
| Pretax return on assets | 1.0386% | 3,337 |
| Return on Equity (ROE) | 10.3004% | 2,085 |
| Retained earnings to average equity (ytd only) | -0.9652% | 6,043 |
| Net charge-offs to loans | 0.4912% | 1,329 |
| Credit loss provision to net charge-offs | 58.7629% | 3,044 |
| Earnings coverage of net charge-offs (x) | 4.4021% | 3,142 |
| Efficiency ratio | 71.5618% | 3,547 |
| Assets per employee ($millions) | 4.2230% | 3,307 |
| Cash dividends to net income (ytd only)* | 109.3708% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 3,548 |
| Loan loss allowance to noncurrent loans | 59.6922% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.5253% | 2,817 |
| Noncurrent loans to loans | 2.5293% | 1,828 |
| Net loans and leases to total assets | 56.3831% | 4,225 |
| Net loans and leases to deposits | 64.7099% | 4,409 |
| Net loans and leases to core deposits | 74.5376% | 3,724 |
| Total domestic deposits to total assets | 87.1321% | 2,740 |
| Equity capital to assets | 10.6720% | 3,097 |
| Core capital (leverage) ratio | 10.0664% | 3,422 |
| Tier 1 risk-based capital ratio | 16.2880% | 3,044 |
| Total risk-based capital ratio | 17.5394% | 2,996 |
| Memoranda: | ||
| Average total assets | $143,845,330 | 3,875 |
| Average earning assets | $133,834,670 | 3,823 |
| Average equity | $14,504,330 | 4,048 |
| Average total loans | $78,989,670 | 4,012 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 1,058 |
| Cost of funding earning assets | 0.9697% | 708 |
| Net interest margin | 3.9381% | 1,986 |
| Noninterest income to average assets | 0.5890% | 3,196 |
| Noninterest expense to average assets | 3.0088% | 2,962 |
| Loan and lease loss provision to assets | 0.1584% | 2,287 |
| Net operating income to assets | 1.1224% | 1,768 |
| Return on assets (ROA) | 1.1224% | 1,884 |
| Pretax return on assets | 1.1224% | 2,872 |
| Return on Equity (ROE) | 11.4651% | 1,571 |
| Retained earnings to average equity (ytd only) | 1.8446% | 5,073 |
| Net charge-offs to loans | 0.0414% | 3,457 |
| Credit loss provision to net charge-offs | 712.5000% | 398 |
| Earnings coverage of net charge-offs (x) | 57.6250% | 613 |
| Efficiency ratio | 70.1425% | 3,945 |
| Assets per employee ($millions) | 4.2842% | 3,367 |
| Cash dividends to net income (ytd only)* | 83.9109% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 2,679 |
| Loan loss allowance to noncurrent loans | 63.8993% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.5810% | 2,888 |
| Noncurrent loans to loans | 2.7907% | 1,815 |
| Net loans and leases to total assets | 51.8024% | 4,731 |
| Net loans and leases to deposits | 58.6812% | 4,949 |
| Net loans and leases to core deposits | 66.3067% | 4,493 |
| Total domestic deposits to total assets | 88.2777% | 2,141 |
| Equity capital to assets | 9.6764% | 4,595 |
| Core capital (leverage) ratio | 8.7889% | 5,203 |
| Tier 1 risk-based capital ratio | 14.9668% | 3,858 |
| Total risk-based capital ratio | 16.2215% | 3,819 |
| Memoranda: | ||
| Average total assets | $143,977,000 | 3,912 |
| Average earning assets | $135,293,500 | 3,842 |
| Average equity | $14,095,000 | 4,181 |
| Average total loans | $77,386,000 | 4,084 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 842 |
| Cost of funding earning assets | 1.1865% | 622 |
| Net interest margin | 4.1541% | 1,803 |
| Noninterest income to average assets | 0.5669% | 3,465 |
| Noninterest expense to average assets | 2.7006% | 4,397 |
| Loan and lease loss provision to assets | 0.2883% | 2,359 |
| Net operating income to assets | 1.5053% | 907 |
| Return on assets (ROA) | 1.5053% | 998 |
| Pretax return on assets | 1.5053% | 1,658 |
| Return on Equity (ROE) | 13.6573% | 1,069 |
| Retained earnings to average equity (ytd only) | 6.0080% | 2,070 |
| Net charge-offs to loans | 0.0901% | 4,772 |
| Credit loss provision to net charge-offs | 532.8358% | 454 |
| Earnings coverage of net charge-offs (x) | 33.1493% | 939 |
| Efficiency ratio | 60.0898% | 5,523 |
| Assets per employee ($millions) | 4.1850% | 3,583 |
| Cash dividends to net income (ytd only)* | 56.0086% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 2,956 |
| Loan loss allowance to noncurrent loans | 85.3359% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.1997% | 3,658 |
| Noncurrent loans to loans | 1.9860% | 2,713 |
| Net loans and leases to total assets | 53.8502% | 4,635 |
| Net loans and leases to deposits | 61.3650% | 4,856 |
| Net loans and leases to core deposits | 69.8710% | 4,333 |
| Total domestic deposits to total assets | 87.7540% | 2,375 |
| Equity capital to assets | 9.9058% | 4,307 |
| Core capital (leverage) ratio | 10.7452% | 2,500 |
| Tier 1 risk-based capital ratio | 14.7555% | 3,863 |
| Total risk-based capital ratio | 16.0095% | 3,811 |
| Memoranda: | ||
| Average total assets | $123,826,200 | 4,273 |
| Average earning assets | $117,063,800 | 4,183 |
| Average equity | $13,648,400 | 4,231 |
| Average total loans | $74,372,600 | 4,196 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5104% | 664 |
| Cost of funding earning assets | 1.2759% | 488 |
| Net interest margin | 4.2345% | 1,630 |
| Noninterest income to average assets | 0.5424% | 3,654 |
| Noninterest expense to average assets | 2.5814% | 4,804 |
| Loan and lease loss provision to assets | 0.3322% | 1,971 |
| Net operating income to assets | 1.6340% | 787 |
| Return on assets (ROA) | 1.6340% | 867 |
| Pretax return on assets | 1.6340% | 1,469 |
| Return on Equity (ROE) | 14.3901% | 1,029 |
| Retained earnings to average equity (ytd only) | 7.2985% | 1,945 |
| Net charge-offs to loans | 0.1125% | 4,261 |
| Credit loss provision to net charge-offs | 479.0323% | 562 |
| Earnings coverage of net charge-offs (x) | 28.3564% | 1,151 |
| Efficiency ratio | 56.7634% | 5,952 |
| Assets per employee ($millions) | 4.8448% | 2,381 |
| Cash dividends to net income (ytd only)* | 49.2816% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,155 |
| Loan loss allowance to noncurrent loans | 55.8694% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.9650% | 2,695 |
| Noncurrent loans to loans | 3.0422% | 1,830 |
| Net loans and leases to total assets | 60.4516% | 3,682 |
| Net loans and leases to deposits | 70.5148% | 3,829 |
| Net loans and leases to core deposits | 82.8672% | 2,848 |
| Total domestic deposits to total assets | 85.7290% | 3,396 |
| Equity capital to assets | 11.6240% | 2,618 |
| Core capital (leverage) ratio | 10.6844% | 2,720 |
| Tier 1 risk-based capital ratio | 14.8398% | 3,956 |
| Total risk-based capital ratio | 16.0784% | 3,919 |
| Memoranda: | ||
| Average total assets | $119,210,000 | 4,417 |
| Average earning assets | $112,753,250 | 4,328 |
| Average equity | $13,536,750 | 4,292 |
| Average total loans | $73,479,500 | 4,276 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 763 |
| Cost of funding earning assets | 1.3112% | 501 |
| Net interest margin | 4.1599% | 1,869 |
| Noninterest income to average assets | 0.5094% | 3,863 |
| Noninterest expense to average assets | 2.6532% | 4,596 |
| Loan and lease loss provision to assets | 0.4048% | 1,622 |
| Net operating income to assets | 1.3899% | 1,210 |
| Return on assets (ROA) | 1.3899% | 1,356 |
| Pretax return on assets | 1.3899% | 2,238 |
| Return on Equity (ROE) | 12.3390% | 1,561 |
| Retained earnings to average equity (ytd only) | 1.5574% | 5,425 |
| Net charge-offs to loans | 0.2215% | 3,246 |
| Credit loss provision to net charge-offs | 296.2963% | 989 |
| Earnings coverage of net charge-offs (x) | 13.1358% | 1,815 |
| Efficiency ratio | 59.6511% | 5,633 |
| Assets per employee ($millions) | 4.8951% | 2,303 |
| Cash dividends to net income (ytd only)* | 87.3786% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 3,591 |
| Loan loss allowance to noncurrent loans | 62.6646% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.7134% | 3,152 |
| Noncurrent loans to loans | 2.5590% | 2,353 |
| Net loans and leases to total assets | 62.1537% | 3,401 |
| Net loans and leases to deposits | 72.4505% | 3,548 |
| Net loans and leases to core deposits | 85.2928% | 2,518 |
| Total domestic deposits to total assets | 85.7877% | 3,467 |
| Equity capital to assets | 11.4204% | 2,673 |
| Core capital (leverage) ratio | 10.2936% | 3,056 |
| Tier 1 risk-based capital ratio | 15.5218% | 3,425 |
| Total risk-based capital ratio | 16.7514% | 3,405 |
| Memoranda: | ||
| Average total assets | $118,573,330 | 4,455 |
| Average earning assets | $112,262,670 | 4,359 |
| Average equity | $13,356,000 | 4,326 |
| Average total loans | $73,144,330 | 4,310 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3734% | 953 |
| Cost of funding earning assets | 1.3548% | 501 |
| Net interest margin | 4.0186% | 2,425 |
| Noninterest income to average assets | 0.5003% | 3,910 |
| Noninterest expense to average assets | 2.6595% | 4,585 |
| Loan and lease loss provision to assets | 0.4030% | 1,569 |
| Net operating income to assets | 1.2626% | 1,561 |
| Return on assets (ROA) | 1.2626% | 1,734 |
| Pretax return on assets | 1.2626% | 2,685 |
| Return on Equity (ROE) | 11.2866% | 1,907 |
| Retained earnings to average equity (ytd only) | 11.2866% | 967 |
| Net charge-offs to loans | 0.1653% | 3,099 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 16.5333% | 1,361 |
| Efficiency ratio | 61.4907% | 5,369 |
| Assets per employee ($millions) | 6.0641% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 3,872 |
| Loan loss allowance to noncurrent loans | 64.8727% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.5245% | 3,571 |
| Noncurrent loans to loans | 2.4113% | 2,696 |
| Net loans and leases to total assets | 58.1644% | 4,008 |
| Net loans and leases to deposits | 67.6010% | 4,129 |
| Net loans and leases to core deposits | 79.2957% | 3,138 |
| Total domestic deposits to total assets | 86.0408% | 3,506 |
| Equity capital to assets | 11.1847% | 2,727 |
| Core capital (leverage) ratio | 9.8809% | 3,526 |
| Tier 1 risk-based capital ratio | 15.7491% | 3,321 |
| Total risk-based capital ratio | 16.9370% | 3,315 |
| Memoranda: | ||
| Average total assets | $119,118,500 | 4,471 |
| Average earning assets | $113,373,000 | 4,347 |
| Average equity | $13,325,500 | 4,343 |
| Average total loans | $72,611,500 | 4,359 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7530% | 701 |
| Cost of funding earning assets | 1.6252% | 432 |
| Net interest margin | 4.1278% | 2,317 |
| Noninterest income to average assets | 0.6437% | 2,927 |
| Noninterest expense to average assets | 2.5616% | 5,245 |
| Loan and lease loss provision to assets | 0.4209% | 2,490 |
| Net operating income to assets | 1.5479% | 741 |
| Return on assets (ROA) | 1.5479% | 804 |
| Pretax return on assets | 1.5479% | 1,346 |
| Return on Equity (ROE) | 14.5846% | 814 |
| Retained earnings to average equity (ytd only) | 6.8833% | 1,561 |
| Net charge-offs to loans | 0.3732% | 3,541 |
| Credit loss provision to net charge-offs | 181.1321% | 1,431 |
| Earnings coverage of net charge-offs (x) | 8.4717% | 2,141 |
| Efficiency ratio | 56.5428% | 6,244 |
| Assets per employee ($millions) | 5.8478% | 1,335 |
| Cash dividends to net income (ytd only)* | 52.8045% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 4,453 |
| Loan loss allowance to noncurrent loans | 65.6270% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.5784% | 3,574 |
| Noncurrent loans to loans | 2.1357% | 3,027 |
| Net loans and leases to total assets | 62.0136% | 3,596 |
| Net loans and leases to deposits | 72.4013% | 3,743 |
| Net loans and leases to core deposits | 86.6668% | 2,549 |
| Total domestic deposits to total assets | 85.6526% | 3,511 |
| Equity capital to assets | 11.1889% | 2,808 |
| Core capital (leverage) ratio | 10.2049% | 3,082 |
| Tier 1 risk-based capital ratio | 15.8108% | 3,152 |
| Total risk-based capital ratio | 17.0091% | 3,145 |
| Memoranda: | ||
| Average total assets | $114,028,600 | 4,550 |
| Average earning assets | $107,370,800 | 4,467 |
| Average equity | $12,101,800 | 4,530 |
| Average total loans | $71,006,200 | 4,452 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7293% | 807 |
| Cost of funding earning assets | 1.5467% | 725 |
| Net interest margin | 4.1826% | 2,168 |
| Noninterest income to average assets | 0.6084% | 3,117 |
| Noninterest expense to average assets | 2.5961% | 5,090 |
| Loan and lease loss provision to assets | 0.4237% | 2,352 |
| Net operating income to assets | 1.5252% | 886 |
| Return on assets (ROA) | 1.5252% | 968 |
| Pretax return on assets | 1.5252% | 1,591 |
| Return on Equity (ROE) | 14.5749% | 932 |
| Retained earnings to average equity (ytd only) | 7.0175% | 1,960 |
| Net charge-offs to loans | 0.5135% | 2,705 |
| Credit loss provision to net charge-offs | 132.8413% | 2,397 |
| Earnings coverage of net charge-offs (x) | 6.1108% | 2,618 |
| Efficiency ratio | 57.1207% | 6,125 |
| Assets per employee ($millions) | 5.8828% | 1,283 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,292 |
| Loan loss allowance to noncurrent loans | 68.1989% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1704% | 4,449 |
| Noncurrent loans to loans | 1.8216% | 3,611 |
| Net loans and leases to total assets | 61.1491% | 3,913 |
| Net loans and leases to deposits | 71.1102% | 4,122 |
| Net loans and leases to core deposits | 86.5650% | 2,702 |
| Total domestic deposits to total assets | 85.9921% | 3,218 |
| Equity capital to assets | 11.2379% | 2,928 |
| Core capital (leverage) ratio | 10.0662% | 3,349 |
| Tier 1 risk-based capital ratio | 14.8333% | 3,763 |
| Total risk-based capital ratio | 15.9826% | 3,793 |
| Memoranda: | ||
| Average total assets | $113,297,000 | 4,596 |
| Average earning assets | $106,630,250 | 4,514 |
| Average equity | $11,855,750 | 4,599 |
| Average total loans | $70,368,000 | 4,511 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7339% | 824 |
| Cost of funding earning assets | 1.7733% | 352 |
| Net interest margin | 3.9605% | 3,036 |
| Noninterest income to average assets | 0.5937% | 3,180 |
| Noninterest expense to average assets | 2.3694% | 5,932 |
| Loan and lease loss provision to assets | 0.4292% | 2,279 |
| Net operating income to assets | 1.5253% | 841 |
| Return on assets (ROA) | 1.5253% | 899 |
| Pretax return on assets | 1.5253% | 1,454 |
| Return on Equity (ROE) | 14.9645% | 807 |
| Retained earnings to average equity (ytd only) | 5.7016% | 2,592 |
| Net charge-offs to loans | -0.0316% | 6,935 |
| Credit loss provision to net charge-offs | -2,181.8182% | 6,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7974% | 6,533 |
| Assets per employee ($millions) | 5.7196% | 1,376 |
| Cash dividends to net income (ytd only)* | 61.8992% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 3,943 |
| Loan loss allowance to noncurrent loans | 55.2277% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.8856% | 3,387 |
| Noncurrent loans to loans | 2.7877% | 2,610 |
| Net loans and leases to total assets | 59.6528% | 4,337 |
| Net loans and leases to deposits | 69.3278% | 4,520 |
| Net loans and leases to core deposits | 84.2133% | 3,179 |
| Total domestic deposits to total assets | 86.0445% | 3,304 |
| Equity capital to assets | 11.0183% | 2,932 |
| Core capital (leverage) ratio | 10.0450% | 3,209 |
| Tier 1 risk-based capital ratio | 15.8751% | 3,046 |
| Total risk-based capital ratio | 17.1277% | 3,014 |
| Memoranda: | ||
| Average total assets | $111,844,330 | 4,663 |
| Average earning assets | $105,339,330 | 4,579 |
| Average equity | $11,400,330 | 4,714 |
| Average total loans | $69,540,670 | 4,593 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8185% | 716 |
| Cost of funding earning assets | 1.8372% | 330 |
| Net interest margin | 3.9813% | 2,768 |
| Noninterest income to average assets | 0.6258% | 2,998 |
| Noninterest expense to average assets | 2.4708% | 5,666 |
| Loan and lease loss provision to assets | 0.4341% | 2,026 |
| Net operating income to assets | 1.4760% | 918 |
| Return on assets (ROA) | 1.4760% | 960 |
| Pretax return on assets | 1.4760% | 1,515 |
| Return on Equity (ROE) | 15.1132% | 803 |
| Retained earnings to average equity (ytd only) | 1.7780% | 5,053 |
| Net charge-offs to loans | -0.0861% | 7,046 |
| Credit loss provision to net charge-offs | -800.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3997% | 6,458 |
| Assets per employee ($millions) | 5.0551% | 2,086 |
| Cash dividends to net income (ytd only)* | 88.2353% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 4,752 |
| Loan loss allowance to noncurrent loans | 70.1327% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.6050% | 3,838 |
| Noncurrent loans to loans | 1.9719% | 3,607 |
| Net loans and leases to total assets | 60.9790% | 4,084 |
| Net loans and leases to deposits | 70.6534% | 4,244 |
| Net loans and leases to core deposits | 86.0391% | 2,868 |
| Total domestic deposits to total assets | 86.3072% | 3,336 |
| Equity capital to assets | 10.5573% | 3,120 |
| Core capital (leverage) ratio | 9.9856% | 3,157 |
| Tier 1 risk-based capital ratio | 15.3842% | 3,216 |
| Total risk-based capital ratio | 16.6353% | 3,176 |
| Memoranda: | ||
| Average total assets | $110,570,500 | 4,721 |
| Average earning assets | $104,287,500 | 4,635 |
| Average equity | $10,798,500 | 4,846 |
| Average total loans | $69,658,500 | 4,628 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3991% | 379 |
| Cost of funding earning assets | 2.0972% | 434 |
| Net interest margin | 4.3019% | 1,816 |
| Noninterest income to average assets | 0.6403% | 3,209 |
| Noninterest expense to average assets | 2.6954% | 5,010 |
| Loan and lease loss provision to assets | 0.4963% | 3,175 |
| Net operating income to assets | 1.4606% | 842 |
| Return on assets (ROA) | 1.4625% | 893 |
| Pretax return on assets | 1.4625% | 1,474 |
| Return on Equity (ROE) | 15.5246% | 639 |
| Retained earnings to average equity (ytd only) | 6.6003% | 1,507 |
| Net charge-offs to loans | 0.8202% | 2,588 |
| Credit loss provision to net charge-offs | 92.3913% | 5,021 |
| Earnings coverage of net charge-offs (x) | 3.6431% | 3,257 |
| Efficiency ratio | 57.9377% | 6,343 |
| Assets per employee ($millions) | 4.9968% | 2,158 |
| Cash dividends to net income (ytd only)* | 57.4850% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 5,709 |
| Loan loss allowance to noncurrent loans | 64.0502% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 3,994 |
| Noncurrent loans to loans | 1.8058% | 3,810 |
| Net loans and leases to total assets | 63.4355% | 3,982 |
| Net loans and leases to deposits | 72.2512% | 4,474 |
| Net loans and leases to core deposits | 88.2128% | 3,024 |
| Total domestic deposits to total assets | 87.7985% | 2,367 |
| Equity capital to assets | 8.9658% | 5,193 |
| Core capital (leverage) ratio | 8.8374% | 4,795 |
| Tier 1 risk-based capital ratio | 12.8483% | 4,732 |
| Total risk-based capital ratio | 13.9571% | 4,832 |
| Memoranda: | ||
| Average total assets | $102,766,000 | 4,902 |
| Average earning assets | $95,842,200 | 4,833 |
| Average equity | $9,681,400 | 5,215 |
| Average total loans | $67,303,600 | 4,778 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4464% | 378 |
| Cost of funding earning assets | 2.1261% | 489 |
| Net interest margin | 4.3203% | 1,774 |
| Noninterest income to average assets | 0.6695% | 3,016 |
| Noninterest expense to average assets | 2.6567% | 5,081 |
| Loan and lease loss provision to assets | 0.4754% | 3,094 |
| Net operating income to assets | 1.5541% | 819 |
| Return on assets (ROA) | 1.5568% | 891 |
| Pretax return on assets | 1.5568% | 1,456 |
| Return on Equity (ROE) | 16.3104% | 673 |
| Retained earnings to average equity (ytd only) | 4.3578% | 3,428 |
| Net charge-offs to loans | 0.8201% | 2,400 |
| Credit loss provision to net charge-offs | 88.0196% | 4,852 |
| Earnings coverage of net charge-offs (x) | 3.7579% | 3,310 |
| Efficiency ratio | 56.6920% | 6,458 |
| Assets per employee ($millions) | 5.3155% | 1,809 |
| Cash dividends to net income (ytd only)* | 73.2824% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,781 |
| Loan loss allowance to noncurrent loans | 62.0399% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.7971% | 3,750 |
| Noncurrent loans to loans | 1.8308% | 3,893 |
| Net loans and leases to total assets | 63.0830% | 4,304 |
| Net loans and leases to deposits | 72.0585% | 4,834 |
| Net loans and leases to core deposits | 86.3694% | 3,597 |
| Total domestic deposits to total assets | 87.5441% | 2,237 |
| Equity capital to assets | 9.1905% | 5,325 |
| Core capital (leverage) ratio | 8.6962% | 5,194 |
| Tier 1 risk-based capital ratio | 12.5472% | 4,939 |
| Total risk-based capital ratio | 13.6589% | 5,040 |
| Memoranda: | ||
| Average total assets | $100,975,250 | 5,015 |
| Average earning assets | $93,879,000 | 4,953 |
| Average equity | $9,637,750 | 5,308 |
| Average total loans | $66,492,000 | 4,882 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5522% | 315 |
| Cost of funding earning assets | 2.1367% | 580 |
| Net interest margin | 4.4155% | 1,409 |
| Noninterest income to average assets | 0.6220% | 3,177 |
| Noninterest expense to average assets | 2.7303% | 4,785 |
| Loan and lease loss provision to assets | 0.4927% | 2,830 |
| Net operating income to assets | 1.4842% | 941 |
| Return on assets (ROA) | 1.4883% | 989 |
| Pretax return on assets | 1.4883% | 1,585 |
| Return on Equity (ROE) | 15.3754% | 792 |
| Retained earnings to average equity (ytd only) | 1.1240% | 5,311 |
| Net charge-offs to loans | 0.8041% | 2,239 |
| Credit loss provision to net charge-offs | 91.9540% | 4,370 |
| Earnings coverage of net charge-offs (x) | 3.6897% | 3,214 |
| Efficiency ratio | 58.0026% | 6,374 |
| Assets per employee ($millions) | 4.6309% | 2,682 |
| Cash dividends to net income (ytd only)* | 92.6897% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 5,205 |
| Loan loss allowance to noncurrent loans | 97.7804% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.5322% | 4,163 |
| Noncurrent loans to loans | 1.2746% | 4,833 |
| Net loans and leases to total assets | 65.0958% | 4,022 |
| Net loans and leases to deposits | 74.9494% | 4,521 |
| Net loans and leases to core deposits | 91.1163% | 3,105 |
| Total domestic deposits to total assets | 86.8530% | 2,620 |
| Equity capital to assets | 9.4907% | 4,716 |
| Core capital (leverage) ratio | 9.0023% | 4,595 |
| Tier 1 risk-based capital ratio | 13.1513% | 4,322 |
| Total risk-based capital ratio | 14.3923% | 4,286 |
| Memoranda: | ||
| Average total assets | $97,425,000 | 5,156 |
| Average earning assets | $90,137,670 | 5,088 |
| Average equity | $9,430,670 | 5,365 |
| Average total loans | $64,914,000 | 4,983 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5562% | 328 |
| Cost of funding earning assets | 2.1399% | 714 |
| Net interest margin | 4.4163% | 1,345 |
| Noninterest income to average assets | 0.6135% | 3,181 |
| Noninterest expense to average assets | 2.8530% | 4,262 |
| Loan and lease loss provision to assets | 0.5042% | 2,480 |
| Net operating income to assets | 1.3320% | 1,223 |
| Return on assets (ROA) | 1.3320% | 1,296 |
| Pretax return on assets | 1.3320% | 1,959 |
| Return on Equity (ROE) | 13.6176% | 1,120 |
| Retained earnings to average equity (ytd only) | -1.8472% | 6,188 |
| Net charge-offs to loans | 1.4484% | 1,196 |
| Credit loss provision to net charge-offs | 51.9481% | 4,450 |
| Earnings coverage of net charge-offs (x) | 1.8918% | 3,596 |
| Efficiency ratio | 60.8423% | 6,025 |
| Assets per employee ($millions) | 4.2400% | 3,394 |
| Cash dividends to net income (ytd only)* | 113.5647% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 5,661 |
| Loan loss allowance to noncurrent loans | 54.8861% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 2.2221% | 3,247 |
| Noncurrent loans to loans | 2.1304% | 3,612 |
| Net loans and leases to total assets | 64.7447% | 4,150 |
| Net loans and leases to deposits | 74.7729% | 4,631 |
| Net loans and leases to core deposits | 89.9057% | 3,373 |
| Total domestic deposits to total assets | 86.5884% | 2,851 |
| Equity capital to assets | 9.4883% | 4,551 |
| Core capital (leverage) ratio | 9.2166% | 4,194 |
| Tier 1 risk-based capital ratio | 13.3042% | 4,122 |
| Total risk-based capital ratio | 14.4369% | 4,174 |
| Memoranda: | ||
| Average total assets | $95,198,000 | 5,279 |
| Average earning assets | $87,855,500 | 5,247 |
| Average equity | $9,311,500 | 5,452 |
| Average total loans | $63,793,000 | 5,097 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7062% | 459 |
| Cost of funding earning assets | 2.4514% | 1,153 |
| Net interest margin | 4.2548% | 1,873 |
| Noninterest income to average assets | 0.5819% | 3,768 |
| Noninterest expense to average assets | 2.9660% | 4,275 |
| Loan and lease loss provision to assets | 0.5458% | 3,640 |
| Net operating income to assets | 1.0101% | 1,801 |
| Return on assets (ROA) | 1.0101% | 1,857 |
| Pretax return on assets | 1.0101% | 2,558 |
| Return on Equity (ROE) | 9.9089% | 1,719 |
| Retained earnings to average equity (ytd only) | 0.5985% | 4,569 |
| Net charge-offs to loans | 0.6249% | 3,334 |
| Credit loss provision to net charge-offs | 126.4398% | 4,116 |
| Earnings coverage of net charge-offs (x) | 3.6047% | 3,274 |
| Efficiency ratio | 65.5922% | 5,476 |
| Assets per employee ($millions) | 4.0381% | 3,739 |
| Cash dividends to net income (ytd only)* | 93.9597% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 4,498 |
| Loan loss allowance to noncurrent loans | 38.9292% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 3.3195% | 2,062 |
| Noncurrent loans to loans | 3.4600% | 2,196 |
| Net loans and leases to total assets | 67.6623% | 3,783 |
| Net loans and leases to deposits | 79.3911% | 4,102 |
| Net loans and leases to core deposits | 134.6287% | 1,020 |
| Total domestic deposits to total assets | 85.2265% | 3,446 |
| Equity capital to assets | 10.0887% | 3,635 |
| Core capital (leverage) ratio | 9.6951% | 3,463 |
| Tier 1 risk-based capital ratio | 13.6065% | 3,755 |
| Total risk-based capital ratio | 14.8580% | 3,689 |
| Memoranda: | ||
| Average total assets | $88,501,800 | 5,433 |
| Average earning assets | $81,954,600 | 5,396 |
| Average equity | $9,022,200 | 5,596 |
| Average total loans | $61,132,000 | 5,201 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7105% | 501 |
| Cost of funding earning assets | 2.5214% | 1,235 |
| Net interest margin | 4.1892% | 2,100 |
| Noninterest income to average assets | 0.4912% | 4,562 |
| Noninterest expense to average assets | 2.9028% | 4,442 |
| Loan and lease loss provision to assets | 0.5339% | 3,247 |
| Net operating income to assets | 0.9396% | 2,272 |
| Return on assets (ROA) | 0.9396% | 2,335 |
| Pretax return on assets | 0.9396% | 3,099 |
| Return on Equity (ROE) | 9.1918% | 2,192 |
| Retained earnings to average equity (ytd only) | -3.3425% | 5,994 |
| Net charge-offs to loans | 0.7075% | 2,579 |
| Credit loss provision to net charge-offs | 109.0343% | 4,662 |
| Earnings coverage of net charge-offs (x) | 3.0093% | 3,731 |
| Efficiency ratio | 66.3297% | 5,311 |
| Assets per employee ($millions) | 3.9540% | 3,820 |
| Cash dividends to net income (ytd only)* | 136.3639% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 4,909 |
| Loan loss allowance to noncurrent loans | 38.0077% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 3.0107% | 2,304 |
| Noncurrent loans to loans | 3.2588% | 2,328 |
| Net loans and leases to total assets | 68.9143% | 3,736 |
| Net loans and leases to deposits | 82.2932% | 3,961 |
| Net loans and leases to core deposits | 138.2450% | 999 |
| Total domestic deposits to total assets | 83.7424% | 3,843 |
| Equity capital to assets | 10.1878% | 3,862 |
| Core capital (leverage) ratio | 9.6486% | 3,717 |
| Tier 1 risk-based capital ratio | 13.4663% | 3,877 |
| Total risk-based capital ratio | 14.7059% | 3,823 |
| Memoranda: | ||
| Average total assets | $87,408,250 | 5,502 |
| Average earning assets | $81,064,500 | 5,452 |
| Average equity | $8,935,250 | 5,675 |
| Average total loans | $60,490,000 | 5,260 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5766% | 690 |
| Cost of funding earning assets | 2.6101% | 1,258 |
| Net interest margin | 3.9665% | 2,838 |
| Noninterest income to average assets | 0.4175% | 5,140 |
| Noninterest expense to average assets | 2.8598% | 4,687 |
| Loan and lease loss provision to assets | 0.6517% | 2,478 |
| Net operating income to assets | 0.5822% | 3,761 |
| Return on assets (ROA) | 0.5822% | 3,868 |
| Pretax return on assets | 0.5822% | 4,367 |
| Return on Equity (ROE) | 5.6882% | 3,789 |
| Retained earnings to average equity (ytd only) | -13.3479% | 7,137 |
| Net charge-offs to loans | 1.0185% | 1,741 |
| Credit loss provision to net charge-offs | 92.7393% | 4,844 |
| Earnings coverage of net charge-offs (x) | 1.7558% | 4,243 |
| Efficiency ratio | 69.8584% | 4,810 |
| Assets per employee ($millions) | 3.7911% | 4,120 |
| Cash dividends to net income (ytd only)* | 334.6614% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 4,801 |
| Loan loss allowance to noncurrent loans | 57.5117% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.2639% | 2,879 |
| Noncurrent loans to loans | 2.1255% | 3,344 |
| Net loans and leases to total assets | 68.1144% | 4,135 |
| Net loans and leases to deposits | 84.4694% | 3,801 |
| Net loans and leases to core deposits | 138.2841% | 1,090 |
| Total domestic deposits to total assets | 80.6379% | 5,216 |
| Equity capital to assets | 9.9374% | 4,038 |
| Core capital (leverage) ratio | 9.5169% | 3,860 |
| Tier 1 risk-based capital ratio | 13.6050% | 3,755 |
| Total risk-based capital ratio | 14.8283% | 3,696 |
| Memoranda: | ||
| Average total assets | $86,230,330 | 5,576 |
| Average earning assets | $79,919,670 | 5,529 |
| Average equity | $8,825,330 | 5,741 |
| Average total loans | $59,500,670 | 5,353 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3309% | 1,216 |
| Cost of funding earning assets | 2.6709% | 1,342 |
| Net interest margin | 3.6600% | 4,062 |
| Noninterest income to average assets | 0.5505% | 3,916 |
| Noninterest expense to average assets | 3.7645% | 1,537 |
| Loan and lease loss provision to assets | 1.1569% | 1,128 |
| Net operating income to assets | -0.9703% | 7,237 |
| Return on assets (ROA) | -0.9703% | 7,257 |
| Pretax return on assets | -0.9703% | 7,141 |
| Return on Equity (ROE) | -9.3425% | 7,320 |
| Retained earnings to average equity (ytd only) | -30.9023% | 7,866 |
| Net charge-offs to loans | 0.6623% | 1,858 |
| Credit loss provision to net charge-offs | 253.0612% | 1,857 |
| Earnings coverage of net charge-offs (x) | 0.4082% | 4,661 |
| Efficiency ratio | 95.2774% | 1,363 |
| Assets per employee ($millions) | 3.7788% | 4,147 |
| Cash dividends to net income (ytd only)* | -230.7692% | 8,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 2,845 |
| Loan loss allowance to noncurrent loans | 52.3672% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 2.5589% | 2,243 |
| Noncurrent loans to loans | 2.9091% | 2,248 |
| Net loans and leases to total assets | 67.4583% | 4,253 |
| Net loans and leases to deposits | 83.8230% | 4,014 |
| Net loans and leases to core deposits | 138.1740% | 1,196 |
| Total domestic deposits to total assets | 80.4770% | 5,177 |
| Equity capital to assets | 9.9099% | 4,104 |
| Core capital (leverage) ratio | 9.3884% | 4,120 |
| Tier 1 risk-based capital ratio | 12.8185% | 4,311 |
| Total risk-based capital ratio | 14.0696% | 4,230 |
| Memoranda: | ||
| Average total assets | $85,747,500 | 5,615 |
| Average earning assets | $79,672,500 | 5,556 |
| Average equity | $8,905,500 | 5,735 |
| Average total loans | $59,187,000 | 5,395 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3552% | 538 |
| Cost of funding earning assets | 3.0161% | 1,815 |
| Net interest margin | 4.3391% | 1,860 |
| Noninterest income to average assets | 0.6546% | 3,436 |
| Noninterest expense to average assets | 3.0966% | 3,703 |
| Loan and lease loss provision to assets | 0.3021% | 3,957 |
| Net operating income to assets | 1.2628% | 1,594 |
| Return on assets (ROA) | 1.3847% | 1,214 |
| Pretax return on assets | 1.3847% | 2,014 |
| Return on Equity (ROE) | 11.5582% | 1,733 |
| Retained earnings to average equity (ytd only) | -1.7144% | 5,794 |
| Net charge-offs to loans | 0.2565% | 3,705 |
| Credit loss provision to net charge-offs | 172.7273% | 2,959 |
| Earnings coverage of net charge-offs (x) | 8.9470% | 2,789 |
| Efficiency ratio | 66.4298% | 5,034 |
| Assets per employee ($millions) | 3.5243% | 4,607 |
| Cash dividends to net income (ytd only)* | 114.8325% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 3,884 |
| Loan loss allowance to noncurrent loans | 59.6533% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 2.1589% | 2,269 |
| Noncurrent loans to loans | 2.1568% | 2,556 |
| Net loans and leases to total assets | 68.6671% | 4,329 |
| Net loans and leases to deposits | 85.9884% | 4,123 |
| Net loans and leases to core deposits | 143.9548% | 1,093 |
| Total domestic deposits to total assets | 79.8562% | 5,083 |
| Equity capital to assets | 10.8747% | 3,141 |
| Core capital (leverage) ratio | 10.8185% | 2,733 |
| Tier 1 risk-based capital ratio | 15.3742% | 2,890 |
| Total risk-based capital ratio | 16.6251% | 2,822 |
| Memoranda: | ||
| Average total assets | $75,469,600 | 5,859 |
| Average earning assets | $69,692,400 | 5,832 |
| Average equity | $9,041,200 | 5,729 |
| Average total loans | $51,457,200 | 5,646 |