Home > Belt Valley Bank > Performance and Condition Ratios
Belt Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9312% | 694 |
| Cost of funding earning assets | 1.0078% | 3,276 |
| Net interest margin | 4.9233% | 352 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.5916% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6610% | 780 |
| Return on assets (ROA) | 1.6610% | 752 |
| Pretax return on assets | 2.2561% | 459 |
| Return on Equity (ROE) | 12.0900% | 1,931 |
| Retained earnings to average equity (ytd only) | 7.2513% | 1,808 |
| Net charge-offs to loans | -0.0052% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.4604% | 3,716 |
| Assets per employee ($millions) | 6.7573% | 2,239 |
| Cash dividends to net income (ytd only)* | 40.0152% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,379 |
| Loan loss allowance to noncurrent loans | 432.4873% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 1,999 |
| Noncurrent loans to loans | 0.3249% | 2,018 |
| Net loans and leases to total assets | 73.7300% | 1,392 |
| Net loans and leases to deposits | 91.8879% | 1,104 |
| Net loans and leases to core deposits | 98.2207% | 1,532 |
| Total domestic deposits to total assets | 80.2400% | 3,422 |
| Equity capital to assets | 14.1476% | 654 |
| Core capital (leverage) ratio | 15.4425% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $78,986,800 | 4,020 |
| Average earning assets | $76,005,400 | 3,965 |
| Average equity | $10,853,200 | 3,635 |
| Average total loans | $57,574,600 | 3,740 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8041% | 683 |
| Cost of funding earning assets | 0.9040% | 3,262 |
| Net interest margin | 4.9001% | 352 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.3620% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8081% | 660 |
| Return on assets (ROA) | 1.8081% | 652 |
| Pretax return on assets | 2.4572% | 399 |
| Return on Equity (ROE) | 13.2600% | 1,851 |
| Retained earnings to average equity (ytd only) | 6.7173% | 2,390 |
| Net charge-offs to loans | -0.0070% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.0127% | 3,982 |
| Assets per employee ($millions) | 6.0385% | 2,716 |
| Cash dividends to net income (ytd only)* | 49.3421% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,472 |
| Loan loss allowance to noncurrent loans | 382.0628% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 1,865 |
| Noncurrent loans to loans | 0.3648% | 1,925 |
| Net loans and leases to total assets | 76.7800% | 1,019 |
| Net loans and leases to deposits | 96.9098% | 693 |
| Net loans and leases to core deposits | 103.8633% | 1,128 |
| Total domestic deposits to total assets | 79.2300% | 3,650 |
| Equity capital to assets | 14.0686% | 640 |
| Core capital (leverage) ratio | 15.9278% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $78,461,500 | 4,049 |
| Average earning assets | $75,370,000 | 3,994 |
| Average equity | $10,698,500 | 3,653 |
| Average total loans | $56,809,000 | 3,758 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 761 |
| Cost of funding earning assets | 0.7028% | 3,479 |
| Net interest margin | 4.8639% | 365 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.1798% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9044% | 554 |
| Return on assets (ROA) | 1.9044% | 549 |
| Pretax return on assets | 2.5877% | 318 |
| Return on Equity (ROE) | 14.1200% | 1,652 |
| Retained earnings to average equity (ytd only) | 4.1953% | 3,159 |
| Net charge-offs to loans | -0.0036% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.7219% | 4,176 |
| Assets per employee ($millions) | 6.4773% | 2,308 |
| Cash dividends to net income (ytd only)* | 70.2811% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,278 |
| Loan loss allowance to noncurrent loans | 190.1566% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 940 |
| Noncurrent loans to loans | 0.7735% | 981 |
| Net loans and leases to total assets | 73.2600% | 1,374 |
| Net loans and leases to deposits | 91.9425% | 1,026 |
| Net loans and leases to core deposits | 97.5167% | 1,382 |
| Total domestic deposits to total assets | 79.6800% | 3,617 |
| Equity capital to assets | 13.8408% | 666 |
| Core capital (leverage) ratio | 16.0409% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $78,448,333 | 4,063 |
| Average earning assets | $75,124,333 | 4,014 |
| Average equity | $10,583,333 | 3,670 |
| Average total loans | $55,369,667 | 3,785 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4765% | 645 |
| Cost of funding earning assets | 0.6625% | 3,180 |
| Net interest margin | 4.8139% | 365 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.1064% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8932% | 583 |
| Return on assets (ROA) | 1.8932% | 576 |
| Pretax return on assets | 2.5733% | 328 |
| Return on Equity (ROE) | 14.2100% | 1,738 |
| Retained earnings to average equity (ytd only) | -5.7927% | 4,360 |
| Net charge-offs to loans | -0.0074% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.0108% | 4,269 |
| Assets per employee ($millions) | 6.3956% | 2,412 |
| Cash dividends to net income (ytd only)* | 140.7507% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 1,118 |
| Loan loss allowance to noncurrent loans | 341.3655% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 1,551 |
| Noncurrent loans to loans | 0.4543% | 1,585 |
| Net loans and leases to total assets | 70.3100% | 1,591 |
| Net loans and leases to deposits | 83.4212% | 1,542 |
| Net loans and leases to core deposits | 88.2263% | 1,726 |
| Total domestic deposits to total assets | 84.2800% | 3,033 |
| Equity capital to assets | 13.6292% | 646 |
| Core capital (leverage) ratio | 14.8652% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $78,809,000 | 4,119 |
| Average earning assets | $74,866,000 | 4,070 |
| Average equity | $10,496,000 | 3,723 |
| Average total loans | $54,159,500 | 3,848 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 390 |
| Cost of funding earning assets | 0.5544% | 1,090 |
| Net interest margin | 4.2992% | 423 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.3308% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3788% | 1,179 |
| Return on assets (ROA) | 1.3788% | 1,138 |
| Pretax return on assets | 1.8745% | 618 |
| Return on Equity (ROE) | 10.9200% | 2,499 |
| Retained earnings to average equity (ytd only) | 6.5259% | 2,441 |
| Net charge-offs to loans | -0.0154% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.4252% | 3,639 |
| Assets per employee ($millions) | 7.3519% | 1,721 |
| Cash dividends to net income (ytd only)* | 40.2504% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 1,001 |
| Loan loss allowance to noncurrent loans | 339.6000% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 1,620 |
| Noncurrent loans to loans | 0.4672% | 1,536 |
| Net loans and leases to total assets | 65.1100% | 2,129 |
| Net loans and leases to deposits | 76.3041% | 2,076 |
| Net loans and leases to core deposits | 80.3905% | 2,110 |
| Total domestic deposits to total assets | 85.3400% | 2,899 |
| Equity capital to assets | 13.0232% | 703 |
| Core capital (leverage) ratio | 13.9768% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,087,800 | 4,118 |
| Average earning assets | $77,200,400 | 4,072 |
| Average equity | $10,236,200 | 3,839 |
| Average total loans | $52,095,200 | 3,864 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 377 |
| Cost of funding earning assets | 0.5383% | 612 |
| Net interest margin | 4.1237% | 490 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.1065% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4197% | 1,033 |
| Return on assets (ROA) | 1.4197% | 1,010 |
| Pretax return on assets | 1.9291% | 545 |
| Return on Equity (ROE) | 11.3400% | 2,255 |
| Retained earnings to average equity (ytd only) | 5.4317% | 2,944 |
| Net charge-offs to loans | -0.0052% | 3,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.1987% | 3,991 |
| Assets per employee ($millions) | 6.3885% | 2,412 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 1,142 |
| Loan loss allowance to noncurrent loans | 232.2314% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 1,246 |
| Noncurrent loans to loans | 0.6734% | 1,211 |
| Net loans and leases to total assets | 63.8900% | 2,100 |
| Net loans and leases to deposits | 74.8209% | 1,970 |
| Net loans and leases to core deposits | 79.0604% | 1,966 |
| Total domestic deposits to total assets | 85.3900% | 3,200 |
| Equity capital to assets | 12.3119% | 816 |
| Core capital (leverage) ratio | 14.2914% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $81,142,000 | 4,145 |
| Average earning assets | $77,275,250 | 4,100 |
| Average equity | $10,162,250 | 3,898 |
| Average total loans | $51,742,000 | 3,886 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 375 |
| Cost of funding earning assets | 0.5440% | 407 |
| Net interest margin | 3.9591% | 539 |
| Noninterest income to average assets | 0.1192% | 4,401 |
| Noninterest expense to average assets | 2.0495% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3614% | 997 |
| Return on assets (ROA) | 1.3614% | 973 |
| Pretax return on assets | 1.8483% | 532 |
| Return on Equity (ROE) | 10.8073% | 2,048 |
| Retained earnings to average equity (ytd only) | 1.9327% | 3,770 |
| Net charge-offs to loans | -0.0078% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5813% | 4,082 |
| Assets per employee ($millions) | 6.1862% | 2,576 |
| Cash dividends to net income (ytd only)* | 82.1168% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 1,015 |
| Loan loss allowance to noncurrent loans | 280.0664% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 1,494 |
| Noncurrent loans to loans | 0.5959% | 1,420 |
| Net loans and leases to total assets | 61.7587% | 2,148 |
| Net loans and leases to deposits | 72.3007% | 2,003 |
| Net loans and leases to core deposits | 76.5191% | 1,971 |
| Total domestic deposits to total assets | 85.4192% | 3,392 |
| Equity capital to assets | 12.6323% | 736 |
| Core capital (leverage) ratio | 14.1173% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,506,000 | 4,195 |
| Average earning assets | $76,835,667 | 4,161 |
| Average equity | $10,141,333 | 3,966 |
| Average total loans | $51,020,667 | 3,948 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 612 |
| Cost of funding earning assets | 0.5511% | 369 |
| Net interest margin | 3.5715% | 940 |
| Noninterest income to average assets | 0.1241% | 4,384 |
| Noninterest expense to average assets | 1.9963% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1322% | 1,433 |
| Return on assets (ROA) | 1.1322% | 1,426 |
| Pretax return on assets | 1.5394% | 936 |
| Return on Equity (ROE) | 9.0007% | 2,322 |
| Retained earnings to average equity (ytd only) | -8.7639% | 4,538 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4607% | 3,832 |
| Assets per employee ($millions) | 6.7154% | 2,211 |
| Cash dividends to net income (ytd only)* | 197.3684% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 1,241 |
| Loan loss allowance to noncurrent loans | 111.5385% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 563 |
| Noncurrent loans to loans | 1.4456% | 580 |
| Net loans and leases to total assets | 63.6806% | 1,661 |
| Net loans and leases to deposits | 74.3628% | 1,571 |
| Net loans and leases to core deposits | 78.3609% | 1,584 |
| Total domestic deposits to total assets | 85.6350% | 3,362 |
| Equity capital to assets | 12.3820% | 836 |
| Core capital (leverage) ratio | 12.8832% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,548,500 | 4,218 |
| Average earning assets | $76,942,000 | 4,172 |
| Average equity | $10,132,500 | 4,039 |
| Average total loans | $51,276,000 | 3,953 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 503 |
| Cost of funding earning assets | 0.5989% | 549 |
| Net interest margin | 4.0102% | 692 |
| Noninterest income to average assets | 0.1189% | 4,539 |
| Noninterest expense to average assets | 2.3787% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1952% | 1,939 |
| Return on assets (ROA) | 1.1952% | 1,998 |
| Pretax return on assets | 1.6237% | 1,360 |
| Return on Equity (ROE) | 9.0882% | 2,879 |
| Retained earnings to average equity (ytd only) | 4.1220% | 3,177 |
| Net charge-offs to loans | -0.0037% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4321% | 3,236 |
| Assets per employee ($millions) | 6.1932% | 2,578 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,119 |
| Loan loss allowance to noncurrent loans | 102.9376% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.0148% | 544 |
| Noncurrent loans to loans | 1.6212% | 533 |
| Net loans and leases to total assets | 61.5473% | 1,993 |
| Net loans and leases to deposits | 72.1232% | 1,897 |
| Net loans and leases to core deposits | 76.0004% | 1,922 |
| Total domestic deposits to total assets | 85.3363% | 3,160 |
| Equity capital to assets | 12.7770% | 969 |
| Core capital (leverage) ratio | 12.9903% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,553,400 | 4,262 |
| Average earning assets | $74,135,400 | 4,207 |
| Average equity | $10,068,000 | 4,118 |
| Average total loans | $54,653,400 | 3,919 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 452 |
| Cost of funding earning assets | 0.6083% | 618 |
| Net interest margin | 4.1344% | 612 |
| Noninterest income to average assets | 0.1165% | 4,594 |
| Noninterest expense to average assets | 2.2497% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3869% | 1,585 |
| Return on assets (ROA) | 1.3869% | 1,648 |
| Pretax return on assets | 1.8845% | 976 |
| Return on Equity (ROE) | 10.4659% | 2,565 |
| Retained earnings to average equity (ytd only) | 3.8082% | 3,636 |
| Net charge-offs to loans | -0.0048% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4174% | 3,740 |
| Assets per employee ($millions) | 5.9353% | 2,753 |
| Cash dividends to net income (ytd only)* | 63.6132% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,589 |
| Loan loss allowance to noncurrent loans | 83.0207% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3129% | 430 |
| Noncurrent loans to loans | 1.8214% | 523 |
| Net loans and leases to total assets | 70.9898% | 991 |
| Net loans and leases to deposits | 83.8089% | 970 |
| Net loans and leases to core deposits | 88.8974% | 1,102 |
| Total domestic deposits to total assets | 84.7043% | 3,215 |
| Equity capital to assets | 13.1754% | 935 |
| Core capital (leverage) ratio | 13.5633% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,563,750 | 4,327 |
| Average earning assets | $73,430,750 | 4,269 |
| Average equity | $10,013,250 | 4,185 |
| Average total loans | $55,718,250 | 3,949 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 468 |
| Cost of funding earning assets | 0.6132% | 699 |
| Net interest margin | 4.1807% | 605 |
| Noninterest income to average assets | 0.1120% | 4,642 |
| Noninterest expense to average assets | 2.1884% | 3,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4820% | 1,348 |
| Return on assets (ROA) | 1.4820% | 1,405 |
| Pretax return on assets | 2.0125% | 826 |
| Return on Equity (ROE) | 11.1620% | 2,372 |
| Retained earnings to average equity (ytd only) | 1.1242% | 4,313 |
| Net charge-offs to loans | -0.0036% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0939% | 4,036 |
| Assets per employee ($millions) | 6.3178% | 2,310 |
| Cash dividends to net income (ytd only)* | 89.9281% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 1,556 |
| Loan loss allowance to noncurrent loans | 84.5070% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.3111% | 489 |
| Noncurrent loans to loans | 1.7867% | 583 |
| Net loans and leases to total assets | 72.2716% | 930 |
| Net loans and leases to deposits | 85.1773% | 968 |
| Net loans and leases to core deposits | 90.4129% | 1,112 |
| Total domestic deposits to total assets | 84.8484% | 3,160 |
| Equity capital to assets | 13.1163% | 912 |
| Core capital (leverage) ratio | 13.0891% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,032,000 | 4,357 |
| Average earning assets | $73,385,667 | 4,292 |
| Average equity | $9,962,333 | 4,206 |
| Average total loans | $55,752,333 | 3,974 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 579 |
| Cost of funding earning assets | 0.6249% | 781 |
| Net interest margin | 4.0672% | 763 |
| Noninterest income to average assets | 0.1179% | 4,597 |
| Noninterest expense to average assets | 2.2079% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3880% | 1,602 |
| Return on assets (ROA) | 1.3880% | 1,682 |
| Pretax return on assets | 1.8864% | 1,138 |
| Return on Equity (ROE) | 10.3896% | 2,566 |
| Retained earnings to average equity (ytd only) | -9.6676% | 4,809 |
| Net charge-offs to loans | -0.0072% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9267% | 3,789 |
| Assets per employee ($millions) | 5.4804% | 3,140 |
| Cash dividends to net income (ytd only)* | 193.0502% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,577 |
| Loan loss allowance to noncurrent loans | 40.1530% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.7266% | 128 |
| Noncurrent loans to loans | 3.7549% | 156 |
| Net loans and leases to total assets | 71.5204% | 1,090 |
| Net loans and leases to deposits | 83.7477% | 1,177 |
| Net loans and leases to core deposits | 89.1376% | 1,278 |
| Total domestic deposits to total assets | 85.3998% | 2,964 |
| Equity capital to assets | 12.5748% | 1,058 |
| Core capital (leverage) ratio | 13.2255% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,641,000 | 4,381 |
| Average earning assets | $72,974,500 | 4,314 |
| Average equity | $9,971,500 | 4,218 |
| Average total loans | $55,812,500 | 3,994 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2999% | 264 |
| Cost of funding earning assets | 0.7059% | 1,694 |
| Net interest margin | 4.5939% | 265 |
| Noninterest income to average assets | 0.1639% | 4,472 |
| Noninterest expense to average assets | 2.6514% | 2,382 |
| Loan and lease loss provision to assets | 0.0732% | 3,471 |
| Net operating income to assets | 1.3798% | 1,066 |
| Return on assets (ROA) | 1.3798% | 1,159 |
| Pretax return on assets | 1.9051% | 546 |
| Return on Equity (ROE) | 9.4694% | 2,211 |
| Retained earnings to average equity (ytd only) | 4.6996% | 2,420 |
| Net charge-offs to loans | -0.0212% | 4,439 |
| Credit loss provision to net charge-offs | -416.6667% | 3,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2693% | 3,823 |
| Assets per employee ($millions) | 4.8371% | 3,567 |
| Cash dividends to net income (ytd only)* | 50.3712% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,583 |
| Loan loss allowance to noncurrent loans | 101.5738% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.1384% | 792 |
| Noncurrent loans to loans | 1.4773% | 904 |
| Net loans and leases to total assets | 75.9017% | 801 |
| Net loans and leases to deposits | 91.0176% | 850 |
| Net loans and leases to core deposits | 96.9424% | 1,067 |
| Total domestic deposits to total assets | 83.3924% | 3,296 |
| Equity capital to assets | 14.1888% | 751 |
| Core capital (leverage) ratio | 14.6291% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,341,200 | 4,410 |
| Average earning assets | $66,435,400 | 4,346 |
| Average equity | $9,958,400 | 4,198 |
| Average total loans | $56,623,200 | 3,969 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4595% | 251 |
| Cost of funding earning assets | 0.7365% | 1,822 |
| Net interest margin | 4.7230% | 245 |
| Noninterest income to average assets | 0.1823% | 4,381 |
| Noninterest expense to average assets | 2.4848% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6764% | 610 |
| Return on assets (ROA) | 1.6764% | 677 |
| Pretax return on assets | 2.2847% | 285 |
| Return on Equity (ROE) | 11.4234% | 1,547 |
| Retained earnings to average equity (ytd only) | 5.0095% | 2,556 |
| Net charge-offs to loans | -0.0282% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0980% | 4,337 |
| Assets per employee ($millions) | 4.9669% | 3,290 |
| Cash dividends to net income (ytd only)* | 56.1466% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 1,863 |
| Loan loss allowance to noncurrent loans | 90.8986% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 778 |
| Noncurrent loans to loans | 1.5097% | 946 |
| Net loans and leases to total assets | 81.5477% | 475 |
| Net loans and leases to deposits | 101.3947% | 475 |
| Net loans and leases to core deposits | 108.1207% | 765 |
| Total domestic deposits to total assets | 80.4260% | 3,777 |
| Equity capital to assets | 14.6701% | 700 |
| Core capital (leverage) ratio | 14.9366% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,287,250 | 4,438 |
| Average earning assets | $65,352,000 | 4,379 |
| Average equity | $9,874,250 | 4,217 |
| Average total loans | $56,801,250 | 3,988 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3129% | 468 |
| Cost of funding earning assets | 0.7462% | 2,147 |
| Net interest margin | 4.5667% | 436 |
| Noninterest income to average assets | 0.1834% | 4,361 |
| Noninterest expense to average assets | 2.4558% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5901% | 777 |
| Return on assets (ROA) | 1.5901% | 849 |
| Pretax return on assets | 2.1612% | 386 |
| Return on Equity (ROE) | 10.8342% | 1,692 |
| Retained earnings to average equity (ytd only) | 1.1060% | 4,078 |
| Net charge-offs to loans | -0.0035% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1901% | 4,262 |
| Assets per employee ($millions) | 5.3480% | 2,780 |
| Cash dividends to net income (ytd only)* | 89.7921% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 1,757 |
| Loan loss allowance to noncurrent loans | 85.0273% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.3161% | 785 |
| Noncurrent loans to loans | 1.5922% | 930 |
| Net loans and leases to total assets | 81.5373% | 451 |
| Net loans and leases to deposits | 100.6516% | 514 |
| Net loans and leases to core deposits | 107.2438% | 844 |
| Total domestic deposits to total assets | 81.0094% | 3,605 |
| Equity capital to assets | 14.2224% | 804 |
| Core capital (leverage) ratio | 14.9493% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,537,667 | 4,450 |
| Average earning assets | $64,598,000 | 4,396 |
| Average equity | $9,765,333 | 4,245 |
| Average total loans | $56,570,333 | 4,007 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3692% | 477 |
| Cost of funding earning assets | 0.7679% | 2,557 |
| Net interest margin | 4.6013% | 410 |
| Noninterest income to average assets | 0.2337% | 4,150 |
| Noninterest expense to average assets | 2.5705% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5620% | 678 |
| Return on assets (ROA) | 1.5620% | 746 |
| Pretax return on assets | 2.1216% | 359 |
| Return on Equity (ROE) | 10.4699% | 1,588 |
| Retained earnings to average equity (ytd only) | -9.1096% | 4,731 |
| Net charge-offs to loans | -0.0071% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7837% | 4,327 |
| Assets per employee ($millions) | 4.6093% | 3,118 |
| Cash dividends to net income (ytd only)* | 187.0079% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 1,728 |
| Loan loss allowance to noncurrent loans | 73.9544% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 621 |
| Noncurrent loans to loans | 1.8827% | 782 |
| Net loans and leases to total assets | 85.3851% | 175 |
| Net loans and leases to deposits | 103.7216% | 376 |
| Net loans and leases to core deposits | 109.7021% | 860 |
| Total domestic deposits to total assets | 82.3214% | 3,323 |
| Equity capital to assets | 14.8722% | 785 |
| Core capital (leverage) ratio | 15.1631% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,044,500 | 4,483 |
| Average earning assets | $63,026,000 | 4,432 |
| Average equity | $9,704,000 | 4,271 |
| Average total loans | $56,122,500 | 4,028 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5262% | 537 |
| Cost of funding earning assets | 0.7200% | 3,071 |
| Net interest margin | 4.8062% | 392 |
| Noninterest income to average assets | 0.2205% | 4,347 |
| Noninterest expense to average assets | 2.7509% | 2,745 |
| Loan and lease loss provision to assets | 0.1181% | 1,790 |
| Net operating income to assets | 1.4503% | 1,189 |
| Return on assets (ROA) | 1.4503% | 1,252 |
| Pretax return on assets | 2.0077% | 590 |
| Return on Equity (ROE) | 9.7218% | 2,429 |
| Retained earnings to average equity (ytd only) | 4.4439% | 2,738 |
| Net charge-offs to loans | 0.0127% | 3,233 |
| Credit loss provision to net charge-offs | 1,071.4286% | 322 |
| Earnings coverage of net charge-offs (x) | 192.8571% | 409 |
| Efficiency ratio | 56.4094% | 4,153 |
| Assets per employee ($millions) | 4.6828% | 2,968 |
| Cash dividends to net income (ytd only)* | 54.2888% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,598 |
| Loan loss allowance to noncurrent loans | 94.2961% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 901 |
| Noncurrent loans to loans | 1.4618% | 997 |
| Net loans and leases to total assets | 84.7954% | 255 |
| Net loans and leases to deposits | 102.7807% | 428 |
| Net loans and leases to core deposits | 108.5677% | 936 |
| Total domestic deposits to total assets | 82.5013% | 3,359 |
| Equity capital to assets | 14.9651% | 803 |
| Core capital (leverage) ratio | 14.9891% | 694 |
| Tier 1 risk-based capital ratio | 18.7205% | 1,586 |
| Total risk-based capital ratio | 19.9717% | 1,548 |
| Memoranda: | ||
| Average total assets | $63,505,400 | 4,536 |
| Average earning assets | $61,524,600 | 4,485 |
| Average equity | $9,473,600 | 4,307 |
| Average total loans | $55,005,800 | 4,079 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 590 |
| Cost of funding earning assets | 0.6791% | 3,315 |
| Net interest margin | 4.8126% | 408 |
| Noninterest income to average assets | 0.2032% | 4,502 |
| Noninterest expense to average assets | 2.5759% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6933% | 756 |
| Return on assets (ROA) | 1.6933% | 797 |
| Pretax return on assets | 2.2923% | 376 |
| Return on Equity (ROE) | 11.3602% | 1,864 |
| Retained earnings to average equity (ytd only) | 4.2601% | 3,266 |
| Net charge-offs to loans | 0.0171% | 2,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 154.7653% | 529 |
| Efficiency ratio | 52.9130% | 4,515 |
| Assets per employee ($millions) | 4.6194% | 3,017 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,334 |
| Loan loss allowance to noncurrent loans | 40.7666% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.6627% | 233 |
| Noncurrent loans to loans | 3.0177% | 318 |
| Net loans and leases to total assets | 87.1519% | 130 |
| Net loans and leases to deposits | 109.4897% | 235 |
| Net loans and leases to core deposits | 115.9521% | 657 |
| Total domestic deposits to total assets | 79.5983% | 4,072 |
| Equity capital to assets | 14.9773% | 851 |
| Core capital (leverage) ratio | 15.7421% | 593 |
| Tier 1 risk-based capital ratio | 17.8005% | 1,880 |
| Total risk-based capital ratio | 19.0492% | 1,821 |
| Memoranda: | ||
| Average total assets | $62,992,000 | 4,601 |
| Average earning assets | $61,060,000 | 4,550 |
| Average equity | $9,389,250 | 4,369 |
| Average total loans | $54,665,250 | 4,132 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 643 |
| Cost of funding earning assets | 0.6367% | 3,474 |
| Net interest margin | 4.7932% | 411 |
| Noninterest income to average assets | 0.1762% | 4,690 |
| Noninterest expense to average assets | 2.5436% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6914% | 736 |
| Return on assets (ROA) | 1.6914% | 765 |
| Pretax return on assets | 2.2873% | 369 |
| Return on Equity (ROE) | 11.3667% | 1,841 |
| Retained earnings to average equity (ytd only) | 0.6028% | 4,534 |
| Net charge-offs to loans | 0.0260% | 2,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 687 |
| Efficiency ratio | 52.6525% | 4,602 |
| Assets per employee ($millions) | 4.3954% | 3,292 |
| Cash dividends to net income (ytd only)* | 94.6970% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,072 |
| Loan loss allowance to noncurrent loans | 84.3750% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.3521% | 910 |
| Noncurrent loans to loans | 1.5254% | 1,009 |
| Net loans and leases to total assets | 87.4935% | 132 |
| Net loans and leases to deposits | 105.6992% | 355 |
| Net loans and leases to core deposits | 111.0607% | 918 |
| Total domestic deposits to total assets | 82.7759% | 3,281 |
| Equity capital to assets | 15.2935% | 747 |
| Core capital (leverage) ratio | 15.3017% | 648 |
| Tier 1 risk-based capital ratio | 19.1386% | 1,524 |
| Total risk-based capital ratio | 20.3898% | 1,484 |
| Memoranda: | ||
| Average total assets | $62,432,330 | 4,648 |
| Average earning assets | $60,627,000 | 4,594 |
| Average equity | $9,290,330 | 4,395 |
| Average total loans | $53,865,670 | 4,178 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 759 |
| Cost of funding earning assets | 0.5766% | 3,692 |
| Net interest margin | 4.7238% | 469 |
| Noninterest income to average assets | 0.1399% | 4,897 |
| Noninterest expense to average assets | 2.3537% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7493% | 661 |
| Return on assets (ROA) | 1.7493% | 681 |
| Pretax return on assets | 2.3728% | 314 |
| Return on Equity (ROE) | 11.9177% | 1,564 |
| Retained earnings to average equity (ytd only) | -9.7508% | 5,096 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7981% | 4,846 |
| Assets per employee ($millions) | 4.8488% | 2,715 |
| Cash dividends to net income (ytd only)* | 181.8182% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,035 |
| Loan loss allowance to noncurrent loans | 75.5864% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.4881% | 807 |
| Noncurrent loans to loans | 1.7359% | 888 |
| Net loans and leases to total assets | 84.5959% | 321 |
| Net loans and leases to deposits | 101.4709% | 527 |
| Net loans and leases to core deposits | 105.9023% | 1,182 |
| Total domestic deposits to total assets | 83.3696% | 3,267 |
| Equity capital to assets | 14.4935% | 879 |
| Core capital (leverage) ratio | 14.8942% | 722 |
| Tier 1 risk-based capital ratio | 18.7844% | 1,588 |
| Total risk-based capital ratio | 20.0361% | 1,555 |
| Memoranda: | ||
| Average total assets | $62,880,500 | 4,690 |
| Average earning assets | $61,052,000 | 4,632 |
| Average equity | $9,230,000 | 4,435 |
| Average total loans | $53,527,500 | 4,228 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4421% | 448 |
| Cost of funding earning assets | 0.4768% | 3,504 |
| Net interest margin | 4.9653% | 283 |
| Noninterest income to average assets | 0.2549% | 4,403 |
| Noninterest expense to average assets | 2.8002% | 2,693 |
| Loan and lease loss provision to assets | 0.2302% | 776 |
| Net operating income to assets | 1.4141% | 1,380 |
| Return on assets (ROA) | 1.4141% | 1,372 |
| Pretax return on assets | 2.0356% | 520 |
| Return on Equity (ROE) | 9.5609% | 2,717 |
| Retained earnings to average equity (ytd only) | 6.2257% | 2,078 |
| Net charge-offs to loans | 0.0329% | 2,747 |
| Credit loss provision to net charge-offs | 823.5294% | 439 |
| Earnings coverage of net charge-offs (x) | 81.0588% | 856 |
| Efficiency ratio | 55.2743% | 4,490 |
| Assets per employee ($millions) | 4.8251% | 2,705 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 1,882 |
| Loan loss allowance to noncurrent loans | 85.6280% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3583% | 918 |
| Noncurrent loans to loans | 1.5616% | 950 |
| Net loans and leases to total assets | 83.3976% | 469 |
| Net loans and leases to deposits | 100.0765% | 744 |
| Net loans and leases to core deposits | 105.9226% | 1,273 |
| Total domestic deposits to total assets | 83.3339% | 3,215 |
| Equity capital to assets | 14.8646% | 738 |
| Core capital (leverage) ratio | 15.0698% | 680 |
| Tier 1 risk-based capital ratio | 19.4110% | 1,425 |
| Total risk-based capital ratio | 20.6631% | 1,387 |
| Memoranda: | ||
| Average total assets | $60,816,800 | 4,747 |
| Average earning assets | $58,929,400 | 4,694 |
| Average equity | $8,995,000 | 4,462 |
| Average total loans | $51,706,400 | 4,279 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 416 |
| Cost of funding earning assets | 0.4290% | 3,670 |
| Net interest margin | 5.0061% | 267 |
| Noninterest income to average assets | 0.2607% | 4,411 |
| Noninterest expense to average assets | 2.5279% | 3,509 |
| Loan and lease loss provision to assets | 0.0884% | 2,206 |
| Net operating income to assets | 1.7876% | 614 |
| Return on assets (ROA) | 1.7876% | 616 |
| Pretax return on assets | 2.4925% | 236 |
| Return on Equity (ROE) | 12.1022% | 1,758 |
| Retained earnings to average equity (ytd only) | 7.6144% | 1,842 |
| Net charge-offs to loans | 0.0467% | 2,164 |
| Credit loss provision to net charge-offs | 222.2222% | 1,283 |
| Earnings coverage of net charge-offs (x) | 64.8871% | 1,008 |
| Efficiency ratio | 49.4810% | 4,971 |
| Assets per employee ($millions) | 5.2346% | 2,188 |
| Cash dividends to net income (ytd only)* | 37.0828% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,079 |
| Loan loss allowance to noncurrent loans | 48.6011% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 2.0298% | 521 |
| Noncurrent loans to loans | 2.3032% | 594 |
| Net loans and leases to total assets | 85.5019% | 315 |
| Net loans and leases to deposits | 107.4461% | 377 |
| Net loans and leases to core deposits | 114.7166% | 777 |
| Total domestic deposits to total assets | 79.5765% | 4,204 |
| Equity capital to assets | 14.7433% | 773 |
| Core capital (leverage) ratio | 15.2503% | 642 |
| Tier 1 risk-based capital ratio | 18.8190% | 1,584 |
| Total risk-based capital ratio | 20.0456% | 1,561 |
| Memoranda: | ||
| Average total assets | $60,339,500 | 4,809 |
| Average earning assets | $58,433,500 | 4,751 |
| Average equity | $8,912,750 | 4,511 |
| Average total loans | $51,377,750 | 4,333 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 417 |
| Cost of funding earning assets | 0.3985% | 3,730 |
| Net interest margin | 4.9621% | 265 |
| Noninterest income to average assets | 0.2520% | 4,500 |
| Noninterest expense to average assets | 2.5540% | 3,460 |
| Loan and lease loss provision to assets | 0.1344% | 1,466 |
| Net operating income to assets | 1.6870% | 744 |
| Return on assets (ROA) | 1.6870% | 751 |
| Pretax return on assets | 2.3759% | 284 |
| Return on Equity (ROE) | 11.4134% | 1,946 |
| Retained earnings to average equity (ytd only) | 4.5926% | 3,293 |
| Net charge-offs to loans | 0.0556% | 1,811 |
| Credit loss provision to net charge-offs | 285.7143% | 1,039 |
| Earnings coverage of net charge-offs (x) | 53.3571% | 1,079 |
| Efficiency ratio | 50.4313% | 5,003 |
| Assets per employee ($millions) | 5.0171% | 2,399 |
| Cash dividends to net income (ytd only)* | 59.7610% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,898 |
| Loan loss allowance to noncurrent loans | 103.3784% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.0232% | 1,471 |
| Noncurrent loans to loans | 1.1289% | 1,557 |
| Net loans and leases to total assets | 86.0875% | 259 |
| Net loans and leases to deposits | 107.3353% | 377 |
| Net loans and leases to core deposits | 108.4924% | 1,087 |
| Total domestic deposits to total assets | 80.2043% | 4,194 |
| Equity capital to assets | 14.8808% | 708 |
| Core capital (leverage) ratio | 15.3298% | 607 |
| Tier 1 risk-based capital ratio | 19.0775% | 1,534 |
| Total risk-based capital ratio | 20.3274% | 1,499 |
| Memoranda: | ||
| Average total assets | $59,514,330 | 4,880 |
| Average earning assets | $57,717,670 | 4,822 |
| Average equity | $8,796,670 | 4,563 |
| Average total loans | $50,398,330 | 4,396 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2147% | 475 |
| Cost of funding earning assets | 0.3760% | 3,767 |
| Net interest margin | 4.8387% | 319 |
| Noninterest income to average assets | 0.2366% | 4,589 |
| Noninterest expense to average assets | 2.7379% | 2,913 |
| Loan and lease loss provision to assets | 0.2704% | 513 |
| Net operating income to assets | 1.3183% | 1,584 |
| Return on assets (ROA) | 1.3183% | 1,590 |
| Pretax return on assets | 1.9267% | 678 |
| Return on Equity (ROE) | 8.9496% | 2,926 |
| Retained earnings to average equity (ytd only) | -4.8190% | 5,196 |
| Net charge-offs to loans | -0.0081% | 4,173 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4795% | 4,646 |
| Assets per employee ($millions) | 4.2166% | 3,620 |
| Cash dividends to net income (ytd only)* | 153.8462% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,502 |
| Loan loss allowance to noncurrent loans | 95.7252% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 1,017 |
| Noncurrent loans to loans | 1.3088% | 1,365 |
| Net loans and leases to total assets | 83.7139% | 465 |
| Net loans and leases to deposits | 102.0928% | 573 |
| Net loans and leases to core deposits | 103.1842% | 1,441 |
| Total domestic deposits to total assets | 81.9979% | 3,962 |
| Equity capital to assets | 14.6497% | 741 |
| Core capital (leverage) ratio | 14.8153% | 683 |
| Tier 1 risk-based capital ratio | 19.1870% | 1,510 |
| Total risk-based capital ratio | 20.4378% | 1,464 |
| Memoranda: | ||
| Average total assets | $59,169,000 | 4,944 |
| Average earning assets | $57,453,500 | 4,887 |
| Average equity | $8,715,500 | 4,621 |
| Average total loans | $49,377,000 | 4,457 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 562 |
| Cost of funding earning assets | 0.3693% | 3,526 |
| Net interest margin | 4.7058% | 417 |
| Noninterest income to average assets | 0.2152% | 4,866 |
| Noninterest expense to average assets | 2.9536% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1557% | 1,664 |
| Return on assets (ROA) | 1.1557% | 1,693 |
| Pretax return on assets | 1.8183% | 759 |
| Return on Equity (ROE) | 8.0004% | 2,794 |
| Retained earnings to average equity (ytd only) | 4.9504% | 2,158 |
| Net charge-offs to loans | 0.1202% | 1,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 18.8246% | 2,057 |
| Efficiency ratio | 61.8963% | 3,953 |
| Assets per employee ($millions) | 3.9537% | 4,040 |
| Cash dividends to net income (ytd only)* | 38.1232% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,758 |
| Loan loss allowance to noncurrent loans | 63.6957% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 646 |
| Noncurrent loans to loans | 1.8888% | 828 |
| Net loans and leases to total assets | 81.1436% | 813 |
| Net loans and leases to deposits | 96.5298% | 1,037 |
| Net loans and leases to core deposits | 97.5275% | 1,897 |
| Total domestic deposits to total assets | 84.0606% | 3,182 |
| Equity capital to assets | 14.8096% | 717 |
| Core capital (leverage) ratio | 14.8897% | 640 |
| Tier 1 risk-based capital ratio | 19.1103% | 1,484 |
| Total risk-based capital ratio | 20.3584% | 1,450 |
| Memoranda: | ||
| Average total assets | $59,012,200 | 4,980 |
| Average earning assets | $57,142,400 | 4,930 |
| Average equity | $8,524,600 | 4,702 |
| Average total loans | $47,410,000 | 4,529 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 566 |
| Cost of funding earning assets | 0.3622% | 3,535 |
| Net interest margin | 4.6756% | 424 |
| Noninterest income to average assets | 0.2217% | 4,892 |
| Noninterest expense to average assets | 2.7689% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2713% | 1,430 |
| Return on assets (ROA) | 1.2713% | 1,459 |
| Pretax return on assets | 1.9794% | 571 |
| Return on Equity (ROE) | 8.8571% | 2,693 |
| Retained earnings to average equity (ytd only) | 4.7596% | 3,043 |
| Net charge-offs to loans | 0.1699% | 1,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 14.5830% | 2,287 |
| Efficiency ratio | 58.3135% | 4,460 |
| Assets per employee ($millions) | 3.9717% | 4,036 |
| Cash dividends to net income (ytd only)* | 46.2639% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 3,067 |
| Loan loss allowance to noncurrent loans | 237.9592% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 1,228 |
| Noncurrent loans to loans | 0.4930% | 3,218 |
| Net loans and leases to total assets | 82.4339% | 611 |
| Net loans and leases to deposits | 102.1571% | 603 |
| Net loans and leases to core deposits | 103.2482% | 1,448 |
| Total domestic deposits to total assets | 80.6932% | 4,140 |
| Equity capital to assets | 14.6051% | 826 |
| Core capital (leverage) ratio | 14.7234% | 717 |
| Tier 1 risk-based capital ratio | 18.2585% | 1,787 |
| Total risk-based capital ratio | 19.4823% | 1,755 |
| Memoranda: | ||
| Average total assets | $58,938,750 | 5,041 |
| Average earning assets | $57,060,250 | 4,983 |
| Average equity | $8,460,000 | 4,757 |
| Average total loans | $47,085,250 | 4,579 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 744 |
| Cost of funding earning assets | 0.3370% | 3,723 |
| Net interest margin | 4.5360% | 529 |
| Noninterest income to average assets | 0.2146% | 4,968 |
| Noninterest expense to average assets | 2.6904% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2396% | 1,475 |
| Return on assets (ROA) | 1.2396% | 1,503 |
| Pretax return on assets | 1.9242% | 620 |
| Return on Equity (ROE) | 8.6877% | 2,674 |
| Retained earnings to average equity (ytd only) | 2.4822% | 4,202 |
| Net charge-offs to loans | 0.1818% | 1,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.4524% | 2,132 |
| Efficiency ratio | 58.3026% | 4,555 |
| Assets per employee ($millions) | 3.8473% | 4,206 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,620 |
| Loan loss allowance to noncurrent loans | 179.4030% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.5041% | 1,008 |
| Noncurrent loans to loans | 0.7029% | 2,644 |
| Net loans and leases to total assets | 81.5474% | 736 |
| Net loans and leases to deposits | 98.1910% | 878 |
| Net loans and leases to core deposits | 99.7710% | 1,664 |
| Total domestic deposits to total assets | 83.0497% | 3,549 |
| Equity capital to assets | 14.7392% | 758 |
| Core capital (leverage) ratio | 14.8313% | 671 |
| Tier 1 risk-based capital ratio | 18.6307% | 1,687 |
| Total risk-based capital ratio | 19.8799% | 1,651 |
| Memoranda: | ||
| Average total assets | $58,726,670 | 5,084 |
| Average earning assets | $56,966,670 | 5,023 |
| Average equity | $8,379,670 | 4,788 |
| Average total loans | $46,216,000 | 4,629 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 901 |
| Cost of funding earning assets | 0.3332% | 3,718 |
| Net interest margin | 4.3865% | 654 |
| Noninterest income to average assets | 0.2026% | 5,054 |
| Noninterest expense to average assets | 2.6336% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2763% | 1,304 |
| Return on assets (ROA) | 1.2763% | 1,338 |
| Pretax return on assets | 1.8368% | 737 |
| Return on Equity (ROE) | 9.0904% | 2,368 |
| Retained earnings to average equity (ytd only) | -3.4149% | 5,288 |
| Net charge-offs to loans | 0.3605% | 510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.6341% | 2,199 |
| Efficiency ratio | 58.9124% | 4,603 |
| Assets per employee ($millions) | 4.2418% | 3,602 |
| Cash dividends to net income (ytd only)* | 137.5661% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,345 |
| Loan loss allowance to noncurrent loans | 195.7792% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 1,170 |
| Noncurrent loans to loans | 0.6834% | 2,800 |
| Net loans and leases to total assets | 74.8809% | 1,602 |
| Net loans and leases to deposits | 89.2752% | 1,636 |
| Net loans and leases to core deposits | 90.6511% | 2,297 |
| Total domestic deposits to total assets | 83.8764% | 3,524 |
| Equity capital to assets | 13.9631% | 914 |
| Core capital (leverage) ratio | 14.1910% | 791 |
| Tier 1 risk-based capital ratio | 18.9779% | 1,622 |
| Total risk-based capital ratio | 20.2293% | 1,581 |
| Memoranda: | ||
| Average total assets | $59,235,000 | 5,127 |
| Average earning assets | $57,631,500 | 5,056 |
| Average equity | $8,316,500 | 4,839 |
| Average total loans | $45,493,000 | 4,690 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8009% | 884 |
| Cost of funding earning assets | 0.3519% | 3,499 |
| Net interest margin | 4.4490% | 685 |
| Noninterest income to average assets | 0.1996% | 5,218 |
| Noninterest expense to average assets | 3.0020% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9486% | 2,594 |
| Return on assets (ROA) | 0.9552% | 2,662 |
| Pretax return on assets | 1.5419% | 1,457 |
| Return on Equity (ROE) | 6.8548% | 3,543 |
| Retained earnings to average equity (ytd only) | 3.1826% | 3,646 |
| Net charge-offs to loans | 0.0208% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 99.7778% | 597 |
| Efficiency ratio | 66.2152% | 3,564 |
| Assets per employee ($millions) | 4.2204% | 3,589 |
| Cash dividends to net income (ytd only)* | 53.5714% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 2,066 |
| Loan loss allowance to noncurrent loans | 87.6190% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 1,436 |
| Noncurrent loans to loans | 1.6008% | 1,228 |
| Net loans and leases to total assets | 76.6201% | 1,419 |
| Net loans and leases to deposits | 90.2100% | 1,658 |
| Net loans and leases to core deposits | 91.5842% | 2,339 |
| Total domestic deposits to total assets | 84.9353% | 3,082 |
| Equity capital to assets | 14.1170% | 853 |
| Core capital (leverage) ratio | 14.2252% | 752 |
| Tier 1 risk-based capital ratio | 19.3257% | 1,518 |
| Total risk-based capital ratio | 20.5777% | 1,479 |
| Memoranda: | ||
| Average total assets | $58,627,200 | 5,172 |
| Average earning assets | $57,114,200 | 5,100 |
| Average equity | $8,169,400 | 4,902 |
| Average total loans | $43,355,200 | 4,773 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 936 |
| Cost of funding earning assets | 0.3559% | 3,479 |
| Net interest margin | 4.4255% | 741 |
| Noninterest income to average assets | 0.1982% | 5,276 |
| Noninterest expense to average assets | 2.8665% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0189% | 2,340 |
| Return on assets (ROA) | 1.0277% | 2,428 |
| Pretax return on assets | 1.6520% | 1,243 |
| Return on Equity (ROE) | 7.3995% | 3,351 |
| Retained earnings to average equity (ytd only) | 2.4775% | 4,438 |
| Net charge-offs to loans | 0.0375% | 2,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 59.9150% | 962 |
| Efficiency ratio | 63.6318% | 3,979 |
| Assets per employee ($millions) | 3.8935% | 4,143 |
| Cash dividends to net income (ytd only)* | 66.5187% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 2,072 |
| Loan loss allowance to noncurrent loans | 58.4321% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.8784% | 863 |
| Noncurrent loans to loans | 2.4441% | 728 |
| Net loans and leases to total assets | 75.7543% | 1,562 |
| Net loans and leases to deposits | 89.5351% | 1,818 |
| Net loans and leases to core deposits | 90.9151% | 2,485 |
| Total domestic deposits to total assets | 84.6084% | 2,983 |
| Equity capital to assets | 14.2581% | 945 |
| Core capital (leverage) ratio | 14.2773% | 778 |
| Tier 1 risk-based capital ratio | 19.4938% | 1,551 |
| Total risk-based capital ratio | 20.7451% | 1,511 |
| Memoranda: | ||
| Average total assets | $58,512,750 | 5,218 |
| Average earning assets | $56,941,500 | 5,153 |
| Average equity | $8,126,500 | 4,961 |
| Average total loans | $42,715,250 | 4,838 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 943 |
| Cost of funding earning assets | 0.3579% | 3,476 |
| Net interest margin | 4.4030% | 763 |
| Noninterest income to average assets | 0.1776% | 5,433 |
| Noninterest expense to average assets | 2.9308% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9502% | 2,623 |
| Return on assets (ROA) | 0.9633% | 2,706 |
| Pretax return on assets | 1.5542% | 1,506 |
| Return on Equity (ROE) | 6.9978% | 3,541 |
| Retained earnings to average equity (ytd only) | -0.4467% | 5,361 |
| Net charge-offs to loans | 0.0286% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 74.8333% | 736 |
| Efficiency ratio | 65.6465% | 3,738 |
| Assets per employee ($millions) | 3.9073% | 4,083 |
| Cash dividends to net income (ytd only)* | 106.3830% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,836 |
| Loan loss allowance to noncurrent loans | 107.1192% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0306% | 2,071 |
| Noncurrent loans to loans | 1.4052% | 1,588 |
| Net loans and leases to total assets | 72.2363% | 2,130 |
| Net loans and leases to deposits | 85.0431% | 2,347 |
| Net loans and leases to core deposits | 85.0431% | 2,979 |
| Total domestic deposits to total assets | 84.9409% | 2,908 |
| Equity capital to assets | 13.9381% | 1,047 |
| Core capital (leverage) ratio | 13.9203% | 847 |
| Tier 1 risk-based capital ratio | 19.5596% | 1,549 |
| Total risk-based capital ratio | 20.8124% | 1,510 |
| Memoranda: | ||
| Average total assets | $58,549,670 | 5,275 |
| Average earning assets | $57,007,000 | 5,200 |
| Average equity | $8,059,670 | 5,010 |
| Average total loans | $41,992,670 | 4,901 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 904 |
| Cost of funding earning assets | 0.3580% | 3,522 |
| Net interest margin | 4.4150% | 713 |
| Noninterest income to average assets | 0.2324% | 5,079 |
| Noninterest expense to average assets | 2.9323% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0321% | 2,154 |
| Return on assets (ROA) | 1.0321% | 2,274 |
| Pretax return on assets | 1.5995% | 1,296 |
| Return on Equity (ROE) | 7.5453% | 3,167 |
| Retained earnings to average equity (ytd only) | -7.4453% | 5,735 |
| Net charge-offs to loans | 0.0386% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 797 |
| Efficiency ratio | 64.7059% | 4,017 |
| Assets per employee ($millions) | 3.8933% | 4,127 |
| Cash dividends to net income (ytd only)* | 198.6755% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,737 |
| Loan loss allowance to noncurrent loans | 108.1667% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 1,979 |
| Noncurrent loans to loans | 1.4461% | 1,639 |
| Net loans and leases to total assets | 69.9361% | 2,352 |
| Net loans and leases to deposits | 81.9232% | 2,551 |
| Net loans and leases to core deposits | 81.9232% | 3,134 |
| Total domestic deposits to total assets | 85.3679% | 2,973 |
| Equity capital to assets | 13.7040% | 1,088 |
| Core capital (leverage) ratio | 13.7731% | 878 |
| Tier 1 risk-based capital ratio | 20.0221% | 1,493 |
| Total risk-based capital ratio | 21.2753% | 1,468 |
| Memoranda: | ||
| Average total assets | $58,520,000 | 5,327 |
| Average earning assets | $56,987,000 | 5,238 |
| Average equity | $8,005,000 | 5,054 |
| Average total loans | $41,497,000 | 4,954 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 1,195 |
| Cost of funding earning assets | 0.4315% | 2,836 |
| Net interest margin | 4.2292% | 1,105 |
| Noninterest income to average assets | 0.4474% | 3,695 |
| Noninterest expense to average assets | 2.8455% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0876% | 1,977 |
| Return on assets (ROA) | 1.0876% | 2,042 |
| Pretax return on assets | 1.7076% | 976 |
| Return on Equity (ROE) | 8.4026% | 2,761 |
| Retained earnings to average equity (ytd only) | 5.8132% | 1,888 |
| Net charge-offs to loans | 0.1399% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 18.1964% | 2,025 |
| Efficiency ratio | 62.4954% | 4,533 |
| Assets per employee ($millions) | 3.9094% | 4,106 |
| Cash dividends to net income (ytd only)* | 30.8166% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,710 |
| Loan loss allowance to noncurrent loans | 206.6456% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 3,182 |
| Noncurrent loans to loans | 0.7614% | 2,895 |
| Net loans and leases to total assets | 69.6612% | 2,421 |
| Net loans and leases to deposits | 81.7163% | 2,628 |
| Net loans and leases to core deposits | 81.7163% | 3,178 |
| Total domestic deposits to total assets | 85.2475% | 2,971 |
| Equity capital to assets | 13.6543% | 1,058 |
| Core capital (leverage) ratio | 13.6710% | 916 |
| Tier 1 risk-based capital ratio | 20.0889% | 1,468 |
| Total risk-based capital ratio | 21.3430% | 1,443 |
| Memoranda: | ||
| Average total assets | $59,673,800 | 5,328 |
| Average earning assets | $57,930,800 | 5,239 |
| Average equity | $7,723,800 | 5,107 |
| Average total loans | $40,027,200 | 5,017 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 1,304 |
| Cost of funding earning assets | 0.4519% | 2,662 |
| Net interest margin | 4.1585% | 1,259 |
| Noninterest income to average assets | 0.5562% | 3,014 |
| Noninterest expense to average assets | 2.6808% | 3,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1657% | 1,775 |
| Return on assets (ROA) | 1.1657% | 1,843 |
| Pretax return on assets | 1.9088% | 707 |
| Return on Equity (ROE) | 9.1291% | 2,504 |
| Retained earnings to average equity (ytd only) | 5.6447% | 2,490 |
| Net charge-offs to loans | -0.0370% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4101% | 5,070 |
| Assets per employee ($millions) | 3.7466% | 4,364 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 1,310 |
| Loan loss allowance to noncurrent loans | 208.0925% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 3,108 |
| Noncurrent loans to loans | 0.8535% | 2,841 |
| Net loans and leases to total assets | 66.4231% | 2,944 |
| Net loans and leases to deposits | 83.5214% | 2,454 |
| Net loans and leases to core deposits | 83.5214% | 3,098 |
| Total domestic deposits to total assets | 79.5282% | 4,850 |
| Equity capital to assets | 13.2769% | 1,319 |
| Core capital (leverage) ratio | 13.4417% | 1,040 |
| Tier 1 risk-based capital ratio | 19.7622% | 1,609 |
| Total risk-based capital ratio | 21.0178% | 1,569 |
| Memoranda: | ||
| Average total assets | $59,932,000 | 5,390 |
| Average earning assets | $58,129,000 | 5,302 |
| Average equity | $7,653,000 | 5,189 |
| Average total loans | $39,658,250 | 5,079 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 1,379 |
| Cost of funding earning assets | 0.4756% | 2,468 |
| Net interest margin | 4.0836% | 1,396 |
| Noninterest income to average assets | 0.7075% | 2,183 |
| Noninterest expense to average assets | 2.6866% | 3,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2081% | 1,573 |
| Return on assets (ROA) | 1.2081% | 1,654 |
| Pretax return on assets | 1.9757% | 624 |
| Return on Equity (ROE) | 9.5881% | 2,261 |
| Retained earnings to average equity (ytd only) | 4.2908% | 3,292 |
| Net charge-offs to loans | -0.0305% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6235% | 5,263 |
| Assets per employee ($millions) | 3.6878% | 4,453 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 1,442 |
| Loan loss allowance to noncurrent loans | 198.0609% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 3,322 |
| Noncurrent loans to loans | 0.8917% | 2,900 |
| Net loans and leases to total assets | 67.4011% | 2,729 |
| Net loans and leases to deposits | 80.5517% | 2,719 |
| Net loans and leases to core deposits | 81.3110% | 3,250 |
| Total domestic deposits to total assets | 83.6743% | 3,702 |
| Equity capital to assets | 12.9972% | 1,410 |
| Core capital (leverage) ratio | 13.3755% | 1,022 |
| Tier 1 risk-based capital ratio | 19.5399% | 1,656 |
| Total risk-based capital ratio | 20.7946% | 1,621 |
| Memoranda: | ||
| Average total assets | $59,927,330 | 5,451 |
| Average earning assets | $58,037,670 | 5,366 |
| Average equity | $7,551,000 | 5,251 |
| Average total loans | $39,365,000 | 5,134 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 1,622 |
| Cost of funding earning assets | 0.4938% | 2,340 |
| Net interest margin | 3.9506% | 1,714 |
| Noninterest income to average assets | 0.2186% | 5,390 |
| Noninterest expense to average assets | 2.5170% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9671% | 2,410 |
| Return on assets (ROA) | 0.9671% | 2,544 |
| Pretax return on assets | 1.5168% | 1,508 |
| Return on Equity (ROE) | 7.7950% | 3,069 |
| Retained earnings to average equity (ytd only) | -2.8831% | 5,780 |
| Net charge-offs to loans | -0.0309% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3974% | 4,733 |
| Assets per employee ($millions) | 3.7573% | 4,408 |
| Cash dividends to net income (ytd only)* | 136.9863% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 1,412 |
| Loan loss allowance to noncurrent loans | 190.3743% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5038% | 1,743 |
| Noncurrent loans to loans | 0.9674% | 2,834 |
| Net loans and leases to total assets | 63.1280% | 3,219 |
| Net loans and leases to deposits | 73.1284% | 3,413 |
| Net loans and leases to core deposits | 73.7839% | 3,799 |
| Total domestic deposits to total assets | 86.3248% | 2,753 |
| Equity capital to assets | 12.5807% | 1,643 |
| Core capital (leverage) ratio | 12.7314% | 1,261 |
| Tier 1 risk-based capital ratio | 19.8090% | 1,669 |
| Total risk-based capital ratio | 21.0649% | 1,625 |
| Memoranda: | ||
| Average total assets | $60,388,500 | 5,493 |
| Average earning assets | $58,320,000 | 5,405 |
| Average equity | $7,492,000 | 5,305 |
| Average total loans | $38,805,000 | 5,182 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 1,693 |
| Cost of funding earning assets | 0.5645% | 2,101 |
| Net interest margin | 3.9862% | 1,930 |
| Noninterest income to average assets | 0.3317% | 4,738 |
| Noninterest expense to average assets | 3.0201% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9150% | 2,806 |
| Return on assets (ROA) | 0.9150% | 2,896 |
| Pretax return on assets | 1.1717% | 2,772 |
| Return on Equity (ROE) | 7.8440% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.0580% | 1,893 |
| Net charge-offs to loans | 0.7852% | 450 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.3278% | 4,186 |
| Efficiency ratio | 72.0477% | 3,202 |
| Assets per employee ($millions) | 3.7913% | 4,358 |
| Cash dividends to net income (ytd only)* | 22.7687% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 1,488 |
| Loan loss allowance to noncurrent loans | 179.9492% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4111% | 1,963 |
| Noncurrent loans to loans | 1.0116% | 2,806 |
| Net loans and leases to total assets | 63.0372% | 3,353 |
| Net loans and leases to deposits | 72.5749% | 3,615 |
| Net loans and leases to core deposits | 73.2155% | 4,002 |
| Total domestic deposits to total assets | 86.8581% | 2,352 |
| Equity capital to assets | 12.2336% | 1,835 |
| Core capital (leverage) ratio | 12.4862% | 1,359 |
| Tier 1 risk-based capital ratio | 19.3652% | 1,755 |
| Total risk-based capital ratio | 20.6222% | 1,719 |
| Memoranda: | ||
| Average total assets | $59,998,000 | 5,550 |
| Average earning assets | $58,100,200 | 5,453 |
| Average equity | $6,999,000 | 5,413 |
| Average total loans | $38,460,000 | 5,237 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 1,771 |
| Cost of funding earning assets | 0.5779% | 2,034 |
| Net interest margin | 3.9510% | 2,035 |
| Noninterest income to average assets | 0.2563% | 5,385 |
| Noninterest expense to average assets | 2.7387% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0028% | 2,441 |
| Return on assets (ROA) | 1.0028% | 2,501 |
| Pretax return on assets | 1.3415% | 2,231 |
| Return on Equity (ROE) | 8.7037% | 2,839 |
| Retained earnings to average equity (ytd only) | 6.2859% | 2,226 |
| Net charge-offs to loans | 0.7199% | 480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.9083% | 3,793 |
| Efficiency ratio | 67.1218% | 4,024 |
| Assets per employee ($millions) | 3.6471% | 4,576 |
| Cash dividends to net income (ytd only)* | 27.7771% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0308% | 1,207 |
| Loan loss allowance to noncurrent loans | 91.2599% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.5920% | 1,914 |
| Noncurrent loans to loans | 2.2253% | 1,362 |
| Net loans and leases to total assets | 66.4667% | 2,779 |
| Net loans and leases to deposits | 76.5538% | 3,125 |
| Net loans and leases to core deposits | 77.2568% | 3,611 |
| Total domestic deposits to total assets | 86.8235% | 2,408 |
| Equity capital to assets | 12.3608% | 1,796 |
| Core capital (leverage) ratio | 12.8647% | 1,240 |
| Tier 1 risk-based capital ratio | 19.3829% | 1,804 |
| Total risk-based capital ratio | 20.6421% | 1,777 |
| Memoranda: | ||
| Average total assets | $59,832,250 | 5,613 |
| Average earning assets | $57,908,500 | 5,514 |
| Average equity | $6,893,500 | 5,490 |
| Average total loans | $38,338,000 | 5,288 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 2,005 |
| Cost of funding earning assets | 0.5791% | 2,078 |
| Net interest margin | 3.8684% | 2,301 |
| Noninterest income to average assets | 0.2487% | 5,424 |
| Noninterest expense to average assets | 2.5993% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8620% | 2,998 |
| Return on assets (ROA) | 0.8620% | 3,100 |
| Pretax return on assets | 1.3925% | 1,915 |
| Return on Equity (ROE) | 7.6617% | 3,285 |
| Retained earnings to average equity (ytd only) | 3.9782% | 3,654 |
| Net charge-offs to loans | 0.1108% | 2,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,597 |
| Efficiency ratio | 65.1163% | 4,507 |
| Assets per employee ($millions) | 3.9433% | 3,964 |
| Cash dividends to net income (ytd only)* | 48.0769% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6490% | 574 |
| Loan loss allowance to noncurrent loans | 72.9013% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 2.5207% | 1,120 |
| Noncurrent loans to loans | 3.6336% | 711 |
| Net loans and leases to total assets | 61.5097% | 3,480 |
| Net loans and leases to deposits | 70.4988% | 3,755 |
| Net loans and leases to core deposits | 71.1342% | 4,135 |
| Total domestic deposits to total assets | 87.2494% | 2,324 |
| Equity capital to assets | 11.8749% | 2,083 |
| Core capital (leverage) ratio | 12.3694% | 1,464 |
| Tier 1 risk-based capital ratio | 20.0152% | 1,681 |
| Total risk-based capital ratio | 21.2840% | 1,647 |
| Memoranda: | ||
| Average total assets | $60,325,000 | 5,651 |
| Average earning assets | $58,370,330 | 5,550 |
| Average equity | $6,787,000 | 5,539 |
| Average total loans | $37,920,670 | 5,341 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 2,328 |
| Cost of funding earning assets | 0.5906% | 2,061 |
| Net interest margin | 3.7606% | 2,635 |
| Noninterest income to average assets | 0.2495% | 5,370 |
| Noninterest expense to average assets | 2.6136% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8340% | 2,985 |
| Return on assets (ROA) | 0.8340% | 3,056 |
| Pretax return on assets | 1.2740% | 2,200 |
| Return on Equity (ROE) | 7.6179% | 3,139 |
| Retained earnings to average equity (ytd only) | 0.1200% | 5,512 |
| Net charge-offs to loans | 0.0943% | 2,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 21.5556% | 1,284 |
| Efficiency ratio | 67.2297% | 4,325 |
| Assets per employee ($millions) | 4.0101% | 3,932 |
| Cash dividends to net income (ytd only)* | 98.4252% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6520% | 674 |
| Loan loss allowance to noncurrent loans | 81.7959% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.4472% | 1,312 |
| Noncurrent loans to loans | 3.2422% | 948 |
| Net loans and leases to total assets | 61.1478% | 3,371 |
| Net loans and leases to deposits | 69.4073% | 3,675 |
| Net loans and leases to core deposits | 70.0164% | 4,092 |
| Total domestic deposits to total assets | 88.0999% | 2,175 |
| Equity capital to assets | 11.2251% | 2,501 |
| Core capital (leverage) ratio | 11.5876% | 1,907 |
| Tier 1 risk-based capital ratio | 19.4679% | 1,844 |
| Total risk-based capital ratio | 20.7352% | 1,808 |
| Memoranda: | ||
| Average total assets | $60,912,500 | 5,687 |
| Average earning assets | $58,927,500 | 5,591 |
| Average equity | $6,668,500 | 5,599 |
| Average total loans | $38,194,500 | 5,387 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 2,260 |
| Cost of funding earning assets | 0.6992% | 1,820 |
| Net interest margin | 3.7877% | 2,698 |
| Noninterest income to average assets | 0.2335% | 5,678 |
| Noninterest expense to average assets | 2.6976% | 4,105 |
| Loan and lease loss provision to assets | -0.1633% | 6,561 |
| Net operating income to assets | 0.9185% | 2,690 |
| Return on assets (ROA) | 0.9063% | 2,833 |
| Pretax return on assets | 1.3259% | 2,050 |
| Return on Equity (ROE) | 8.3356% | 2,868 |
| Retained earnings to average equity (ytd only) | 7.5846% | 1,205 |
| Net charge-offs to loans | 0.1179% | 3,633 |
| Credit loss provision to net charge-offs | -232.5581% | 6,005 |
| Earnings coverage of net charge-offs (x) | 16.8140% | 1,770 |
| Efficiency ratio | 69.5579% | 3,911 |
| Assets per employee ($millions) | 3.8546% | 4,152 |
| Cash dividends to net income (ytd only)* | 9.0090% | 4,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6188% | 717 |
| Loan loss allowance to noncurrent loans | 75.9009% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.7824% | 1,181 |
| Noncurrent loans to loans | 3.4502% | 922 |
| Net loans and leases to total assets | 60.9576% | 3,545 |
| Net loans and leases to deposits | 68.4865% | 3,977 |
| Net loans and leases to core deposits | 69.8065% | 4,302 |
| Total domestic deposits to total assets | 89.0067% | 1,619 |
| Equity capital to assets | 10.6771% | 2,954 |
| Core capital (leverage) ratio | 11.2909% | 2,130 |
| Tier 1 risk-based capital ratio | 18.9034% | 1,954 |
| Total risk-based capital ratio | 20.1707% | 1,907 |
| Memoranda: | ||
| Average total assets | $61,240,400 | 5,724 |
| Average earning assets | $58,927,000 | 5,624 |
| Average equity | $6,658,200 | 5,659 |
| Average total loans | $36,484,800 | 5,478 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 2,282 |
| Cost of funding earning assets | 0.7307% | 1,734 |
| Net interest margin | 3.7556% | 2,819 |
| Noninterest income to average assets | 0.2116% | 5,910 |
| Noninterest expense to average assets | 2.5801% | 4,461 |
| Loan and lease loss provision to assets | -0.2181% | 6,731 |
| Net operating income to assets | 1.0201% | 2,293 |
| Return on assets (ROA) | 1.0033% | 2,449 |
| Pretax return on assets | 1.4351% | 1,816 |
| Return on Equity (ROE) | 9.1863% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.1877% | 1,342 |
| Net charge-offs to loans | 0.1632% | 2,927 |
| Credit loss provision to net charge-offs | -227.2727% | 5,921 |
| Earnings coverage of net charge-offs (x) | 12.9308% | 2,081 |
| Efficiency ratio | 67.5228% | 4,186 |
| Assets per employee ($millions) | 3.7241% | 4,404 |
| Cash dividends to net income (ytd only)* | 10.8703% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6483% | 788 |
| Loan loss allowance to noncurrent loans | 127.3644% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 2.0256% | 1,982 |
| Noncurrent loans to loans | 2.0793% | 2,154 |
| Net loans and leases to total assets | 62.3083% | 3,307 |
| Net loans and leases to deposits | 70.7491% | 3,677 |
| Net loans and leases to core deposits | 72.1739% | 4,067 |
| Total domestic deposits to total assets | 88.0693% | 2,088 |
| Equity capital to assets | 11.1452% | 2,624 |
| Core capital (leverage) ratio | 11.5196% | 2,025 |
| Tier 1 risk-based capital ratio | 18.6596% | 2,093 |
| Total risk-based capital ratio | 19.9271% | 2,058 |
| Memoranda: | ||
| Average total assets | $61,132,000 | 5,791 |
| Average earning assets | $58,755,250 | 5,692 |
| Average equity | $6,676,500 | 5,722 |
| Average total loans | $35,954,500 | 5,549 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 2,696 |
| Cost of funding earning assets | 0.7591% | 1,651 |
| Net interest margin | 3.6065% | 3,332 |
| Noninterest income to average assets | 0.1655% | 6,227 |
| Noninterest expense to average assets | 2.4689% | 4,841 |
| Loan and lease loss provision to assets | -0.3244% | 6,836 |
| Net operating income to assets | 1.1103% | 1,893 |
| Return on assets (ROA) | 1.0836% | 2,095 |
| Pretax return on assets | 1.4534% | 1,757 |
| Return on Equity (ROE) | 9.9875% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.4924% | 1,294 |
| Net charge-offs to loans | 0.2555% | 2,189 |
| Credit loss provision to net charge-offs | -222.2222% | 5,753 |
| Earnings coverage of net charge-offs (x) | 7.9778% | 2,471 |
| Efficiency ratio | 67.9464% | 4,192 |
| Assets per employee ($millions) | 3.7248% | 4,361 |
| Cash dividends to net income (ytd only)* | 14.9701% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7825% | 726 |
| Loan loss allowance to noncurrent loans | 120.4057% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 2.0219% | 2,132 |
| Noncurrent loans to loans | 2.3109% | 2,044 |
| Net loans and leases to total assets | 59.1550% | 3,804 |
| Net loans and leases to deposits | 66.7032% | 4,184 |
| Net loans and leases to core deposits | 68.0356% | 4,494 |
| Total domestic deposits to total assets | 88.6838% | 1,787 |
| Equity capital to assets | 10.9319% | 2,815 |
| Core capital (leverage) ratio | 11.1530% | 2,213 |
| Tier 1 risk-based capital ratio | 18.7748% | 2,053 |
| Total risk-based capital ratio | 20.0437% | 2,014 |
| Memoranda: | ||
| Average total assets | $61,647,330 | 5,816 |
| Average earning assets | $59,282,670 | 5,715 |
| Average equity | $6,688,330 | 5,764 |
| Average total loans | $35,227,000 | 5,611 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 3,006 |
| Cost of funding earning assets | 0.7967% | 1,546 |
| Net interest margin | 3.4787% | 3,794 |
| Noninterest income to average assets | 0.0702% | 6,670 |
| Noninterest expense to average assets | 2.3296% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7212% | 3,583 |
| Return on assets (ROA) | 0.7212% | 3,720 |
| Pretax return on assets | 1.0850% | 3,017 |
| Return on Equity (ROE) | 6.6716% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.7196% | 3,998 |
| Net charge-offs to loans | -0.0115% | 5,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2243% | 4,270 |
| Assets per employee ($millions) | 3.8589% | 4,235 |
| Cash dividends to net income (ytd only)* | 44.2478% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3449% | 477 |
| Loan loss allowance to noncurrent loans | 115.1545% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 2.2626% | 2,063 |
| Noncurrent loans to loans | 2.9047% | 1,731 |
| Net loans and leases to total assets | 54.0556% | 4,410 |
| Net loans and leases to deposits | 61.2239% | 4,654 |
| Net loans and leases to core deposits | 62.7173% | 4,885 |
| Total domestic deposits to total assets | 88.2916% | 2,135 |
| Equity capital to assets | 10.9812% | 2,976 |
| Core capital (leverage) ratio | 10.5489% | 2,705 |
| Tier 1 risk-based capital ratio | 18.8069% | 2,093 |
| Total risk-based capital ratio | 20.0805% | 2,066 |
| Memoranda: | ||
| Average total assets | $62,673,000 | 5,844 |
| Average earning assets | $60,252,000 | 5,745 |
| Average equity | $6,775,000 | 5,799 |
| Average total loans | $34,709,000 | 5,678 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 3,306 |
| Cost of funding earning assets | 1.0457% | 1,141 |
| Net interest margin | 3.4781% | 4,591 |
| Noninterest income to average assets | 0.2574% | 5,622 |
| Noninterest expense to average assets | 2.5068% | 5,070 |
| Loan and lease loss provision to assets | -0.4617% | 7,037 |
| Net operating income to assets | 1.1263% | 1,851 |
| Return on assets (ROA) | 1.1263% | 2,020 |
| Pretax return on assets | 1.5537% | 1,505 |
| Return on Equity (ROE) | 11.2021% | 1,741 |
| Retained earnings to average equity (ytd only) | 11.2021% | 420 |
| Net charge-offs to loans | -0.0321% | 6,621 |
| Credit loss provision to net charge-offs | 2,466.6667% | 98 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6576% | 3,876 |
| Assets per employee ($millions) | 3.9753% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3077% | 502 |
| Loan loss allowance to noncurrent loans | 102.1239% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 2.6995% | 1,784 |
| Noncurrent loans to loans | 3.2389% | 1,594 |
| Net loans and leases to total assets | 53.0375% | 4,752 |
| Net loans and leases to deposits | 59.9119% | 5,033 |
| Net loans and leases to core deposits | 61.3234% | 5,233 |
| Total domestic deposits to total assets | 88.5259% | 1,886 |
| Equity capital to assets | 10.6440% | 3,344 |
| Core capital (leverage) ratio | 10.5562% | 2,697 |
| Tier 1 risk-based capital ratio | 18.7194% | 2,042 |
| Total risk-based capital ratio | 19.9934% | 1,995 |
| Memoranda: | ||
| Average total assets | $64,104,600 | 5,813 |
| Average earning assets | $61,586,200 | 5,685 |
| Average equity | $6,445,200 | 5,904 |
| Average total loans | $37,408,000 | 5,614 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 3,305 |
| Cost of funding earning assets | 1.1023% | 1,056 |
| Net interest margin | 3.4731% | 4,742 |
| Noninterest income to average assets | 0.2242% | 5,948 |
| Noninterest expense to average assets | 2.3955% | 5,413 |
| Loan and lease loss provision to assets | -0.6145% | 7,153 |
| Net operating income to assets | 1.3348% | 1,365 |
| Return on assets (ROA) | 1.3348% | 1,502 |
| Pretax return on assets | 1.7852% | 1,084 |
| Return on Equity (ROE) | 13.4712% | 1,229 |
| Retained earnings to average equity (ytd only) | 13.4712% | 350 |
| Net charge-offs to loans | -0.0281% | 6,567 |
| Credit loss provision to net charge-offs | 3,700.0000% | 77 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1711% | 4,227 |
| Assets per employee ($millions) | 3.9059% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0498% | 679 |
| Loan loss allowance to noncurrent loans | 75.8575% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.7347% | 1,934 |
| Noncurrent loans to loans | 4.0204% | 1,269 |
| Net loans and leases to total assets | 58.4984% | 4,046 |
| Net loans and leases to deposits | 66.2223% | 4,439 |
| Net loans and leases to core deposits | 67.8092% | 4,744 |
| Total domestic deposits to total assets | 88.3365% | 1,822 |
| Equity capital to assets | 10.7514% | 3,554 |
| Core capital (leverage) ratio | 10.6856% | 2,718 |
| Tier 1 risk-based capital ratio | 17.4782% | 2,548 |
| Total risk-based capital ratio | 18.7498% | 2,509 |
| Memoranda: | ||
| Average total assets | $64,229,750 | 5,874 |
| Average earning assets | $61,807,250 | 5,742 |
| Average equity | $6,364,000 | 5,994 |
| Average total loans | $38,038,000 | 5,653 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 3,575 |
| Cost of funding earning assets | 1.1553% | 1,001 |
| Net interest margin | 3.3920% | 5,114 |
| Noninterest income to average assets | 0.2098% | 6,061 |
| Noninterest expense to average assets | 2.4565% | 5,274 |
| Loan and lease loss provision to assets | -0.9135% | 7,224 |
| Net operating income to assets | 1.5430% | 924 |
| Return on assets (ROA) | 1.5430% | 1,035 |
| Pretax return on assets | 1.9288% | 808 |
| Return on Equity (ROE) | 16.0111% | 768 |
| Retained earnings to average equity (ytd only) | 16.0111% | 224 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7556% | 3,640 |
| Assets per employee ($millions) | 4.2513% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9956% | 785 |
| Loan loss allowance to noncurrent loans | 74.5431% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.7051% | 2,035 |
| Noncurrent loans to loans | 4.0186% | 1,370 |
| Net loans and leases to total assets | 57.9921% | 4,160 |
| Net loans and leases to deposits | 65.2752% | 4,609 |
| Net loans and leases to core deposits | 67.7283% | 4,820 |
| Total domestic deposits to total assets | 88.8425% | 1,610 |
| Equity capital to assets | 10.3216% | 3,911 |
| Core capital (leverage) ratio | 10.3036% | 3,042 |
| Tier 1 risk-based capital ratio | 16.8814% | 2,726 |
| Total risk-based capital ratio | 18.1520% | 2,676 |
| Memoranda: | ||
| Average total assets | $64,808,330 | 5,892 |
| Average earning assets | $62,323,000 | 5,756 |
| Average equity | $6,245,670 | 6,050 |
| Average total loans | $38,148,000 | 5,682 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 3,680 |
| Cost of funding earning assets | 1.2084% | 947 |
| Net interest margin | 3.3502% | 5,302 |
| Noninterest income to average assets | 0.2327% | 5,960 |
| Noninterest expense to average assets | 2.4553% | 5,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6674% | 4,040 |
| Return on assets (ROA) | 0.6674% | 4,256 |
| Pretax return on assets | 0.9858% | 3,722 |
| Return on Equity (ROE) | 7.1740% | 3,671 |
| Retained earnings to average equity (ytd only) | 7.1740% | 2,332 |
| Net charge-offs to loans | -0.0629% | 6,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3523% | 3,564 |
| Assets per employee ($millions) | 4.0339% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8470% | 417 |
| Loan loss allowance to noncurrent loans | 87.9415% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 2.8431% | 2,055 |
| Noncurrent loans to loans | 4.3745% | 1,355 |
| Net loans and leases to total assets | 55.9202% | 4,401 |
| Net loans and leases to deposits | 62.2953% | 4,871 |
| Net loans and leases to core deposits | 64.1191% | 5,100 |
| Total domestic deposits to total assets | 89.7664% | 1,211 |
| Equity capital to assets | 9.4915% | 4,817 |
| Core capital (leverage) ratio | 9.4607% | 4,100 |
| Tier 1 risk-based capital ratio | 16.1087% | 3,120 |
| Total risk-based capital ratio | 17.3906% | 3,068 |
| Memoranda: | ||
| Average total assets | $65,328,000 | 5,907 |
| Average earning assets | $62,563,500 | 5,795 |
| Average equity | $6,077,500 | 6,124 |
| Average total loans | $38,160,500 | 5,723 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1070% | 2,424 |
| Cost of funding earning assets | 1.5167% | 668 |
| Net interest margin | 3.5903% | 4,771 |
| Noninterest income to average assets | 0.2464% | 5,767 |
| Noninterest expense to average assets | 2.7801% | 4,426 |
| Loan and lease loss provision to assets | 0.1186% | 5,120 |
| Net operating income to assets | 0.5868% | 4,069 |
| Return on assets (ROA) | 0.5868% | 4,250 |
| Pretax return on assets | 0.7640% | 4,103 |
| Return on Equity (ROE) | 6.5726% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.5726% | 1,708 |
| Net charge-offs to loans | 0.6172% | 2,603 |
| Credit loss provision to net charge-offs | 28.8390% | 5,802 |
| Earnings coverage of net charge-offs (x) | 2.1461% | 4,176 |
| Efficiency ratio | 75.9041% | 2,904 |
| Assets per employee ($millions) | 4.1321% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7076% | 464 |
| Loan loss allowance to noncurrent loans | 102.2760% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 2.4185% | 2,515 |
| Noncurrent loans to loans | 3.6251% | 1,755 |
| Net loans and leases to total assets | 56.4888% | 4,626 |
| Net loans and leases to deposits | 62.6554% | 5,158 |
| Net loans and leases to core deposits | 64.7363% | 5,394 |
| Total domestic deposits to total assets | 90.1579% | 906 |
| Equity capital to assets | 9.1191% | 5,391 |
| Core capital (leverage) ratio | 9.1857% | 4,486 |
| Tier 1 risk-based capital ratio | 15.3126% | 3,446 |
| Total risk-based capital ratio | 16.5910% | 3,377 |
| Memoranda: | ||
| Average total assets | $64,924,600 | 5,899 |
| Average earning assets | $61,778,400 | 5,809 |
| Average equity | $5,796,800 | 6,206 |
| Average total loans | $43,259,000 | 5,548 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 1,924 |
| Cost of funding earning assets | 1.5836% | 625 |
| Net interest margin | 3.7008% | 4,325 |
| Noninterest income to average assets | 0.2496% | 5,832 |
| Noninterest expense to average assets | 2.7666% | 4,476 |
| Loan and lease loss provision to assets | 0.1588% | 4,479 |
| Net operating income to assets | 0.6210% | 4,005 |
| Return on assets (ROA) | 0.6210% | 4,181 |
| Pretax return on assets | 0.8438% | 3,968 |
| Return on Equity (ROE) | 6.9932% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.9932% | 1,974 |
| Net charge-offs to loans | 0.5829% | 2,505 |
| Credit loss provision to net charge-offs | 39.6907% | 5,254 |
| Earnings coverage of net charge-offs (x) | 2.5051% | 3,879 |
| Efficiency ratio | 73.3990% | 3,298 |
| Assets per employee ($millions) | 4.0334% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5115% | 557 |
| Loan loss allowance to noncurrent loans | 71.3746% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 3.2804% | 1,934 |
| Noncurrent loans to loans | 4.9198% | 1,275 |
| Net loans and leases to total assets | 64.3366% | 3,244 |
| Net loans and leases to deposits | 71.6512% | 4,036 |
| Net loans and leases to core deposits | 74.0723% | 4,434 |
| Total domestic deposits to total assets | 89.7914% | 985 |
| Equity capital to assets | 9.2370% | 5,461 |
| Core capital (leverage) ratio | 9.2962% | 4,460 |
| Tier 1 risk-based capital ratio | 13.9384% | 4,397 |
| Total risk-based capital ratio | 15.2160% | 4,349 |
| Memoranda: | ||
| Average total assets | $64,627,250 | 5,952 |
| Average earning assets | $61,463,000 | 5,856 |
| Average equity | $5,738,750 | 6,263 |
| Average total loans | $44,377,500 | 5,544 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 2,533 |
| Cost of funding earning assets | 1.6236% | 637 |
| Net interest margin | 3.5108% | 5,107 |
| Noninterest income to average assets | 0.2413% | 5,919 |
| Noninterest expense to average assets | 2.7993% | 4,422 |
| Loan and lease loss provision to assets | 0.2382% | 3,535 |
| Net operating income to assets | 0.5011% | 4,496 |
| Return on assets (ROA) | 0.5011% | 4,637 |
| Pretax return on assets | 0.5413% | 4,934 |
| Return on Equity (ROE) | 5.7197% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.7197% | 2,580 |
| Net charge-offs to loans | 0.8923% | 1,743 |
| Credit loss provision to net charge-offs | 38.5000% | 4,842 |
| Earnings coverage of net charge-offs (x) | 1.2600% | 4,343 |
| Efficiency ratio | 78.2195% | 2,677 |
| Assets per employee ($millions) | 3.5584% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4216% | 636 |
| Loan loss allowance to noncurrent loans | 48.7213% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 4.8227% | 1,284 |
| Noncurrent loans to loans | 7.0228% | 734 |
| Net loans and leases to total assets | 66.3221% | 2,967 |
| Net loans and leases to deposits | 73.6452% | 3,856 |
| Net loans and leases to core deposits | 76.1741% | 4,297 |
| Total domestic deposits to total assets | 90.0564% | 947 |
| Equity capital to assets | 9.1037% | 5,432 |
| Core capital (leverage) ratio | 9.0137% | 4,697 |
| Tier 1 risk-based capital ratio | 13.5296% | 4,501 |
| Total risk-based capital ratio | 14.8063% | 4,465 |
| Memoranda: | ||
| Average total assets | $64,658,330 | 5,995 |
| Average earning assets | $61,468,330 | 5,910 |
| Average equity | $5,664,670 | 6,329 |
| Average total loans | $44,826,670 | 5,570 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 2,413 |
| Cost of funding earning assets | 1.6879% | 584 |
| Net interest margin | 3.4666% | 5,156 |
| Noninterest income to average assets | 0.2340% | 6,041 |
| Noninterest expense to average assets | 2.7709% | 4,561 |
| Loan and lease loss provision to assets | 0.0062% | 5,801 |
| Net operating income to assets | 0.8867% | 2,634 |
| Return on assets (ROA) | 0.8867% | 2,700 |
| Pretax return on assets | 0.7451% | 4,121 |
| Return on Equity (ROE) | 10.3198% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.3198% | 1,043 |
| Net charge-offs to loans | 1.7681% | 739 |
| Credit loss provision to net charge-offs | 0.5000% | 4,473 |
| Earnings coverage of net charge-offs (x) | 0.6100% | 4,172 |
| Efficiency ratio | 78.6713% | 2,738 |
| Assets per employee ($millions) | 3.4104% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1833% | 775 |
| Loan loss allowance to noncurrent loans | 39.6284% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 5.5650% | 1,079 |
| Noncurrent loans to loans | 8.0330% | 621 |
| Net loans and leases to total assets | 67.0715% | 2,740 |
| Net loans and leases to deposits | 73.7865% | 3,789 |
| Net loans and leases to core deposits | 76.5846% | 4,226 |
| Total domestic deposits to total assets | 90.8994% | 676 |
| Equity capital to assets | 8.7271% | 5,611 |
| Core capital (leverage) ratio | 8.9382% | 4,714 |
| Tier 1 risk-based capital ratio | 13.0103% | 4,818 |
| Total risk-based capital ratio | 14.2844% | 4,787 |
| Memoranda: | ||
| Average total assets | $64,962,000 | 6,030 |
| Average earning assets | $61,616,000 | 5,951 |
| Average equity | $5,581,500 | 6,370 |
| Average total loans | $45,247,500 | 5,599 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6631% | 1,705 |
| Cost of funding earning assets | 1.9345% | 756 |
| Net interest margin | 3.7286% | 4,237 |
| Noninterest income to average assets | 0.2819% | 5,756 |
| Noninterest expense to average assets | 2.6399% | 5,264 |
| Loan and lease loss provision to assets | 2.9503% | 329 |
| Net operating income to assets | -1.7863% | 6,996 |
| Return on assets (ROA) | -1.7863% | 7,017 |
| Pretax return on assets | -1.7768% | 6,948 |
| Return on Equity (ROE) | -17.7097% | 6,993 |
| Retained earnings to average equity (ytd only) | -17.7097% | 6,963 |
| Net charge-offs to loans | 1.5280% | 1,435 |
| Credit loss provision to net charge-offs | 262.3944% | 1,071 |
| Earnings coverage of net charge-offs (x) | 1.0437% | 5,066 |
| Efficiency ratio | 69.2276% | 4,334 |
| Assets per employee ($millions) | 3.6181% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5698% | 568 |
| Loan loss allowance to noncurrent loans | 41.3723% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 6.0421% | 981 |
| Noncurrent loans to loans | 8.6284% | 562 |
| Net loans and leases to total assets | 67.5260% | 3,097 |
| Net loans and leases to deposits | 74.0578% | 4,180 |
| Net loans and leases to core deposits | 76.7380% | 4,616 |
| Total domestic deposits to total assets | 91.1802% | 517 |
| Equity capital to assets | 8.4575% | 5,913 |
| Core capital (leverage) ratio | 8.5974% | 5,196 |
| Tier 1 risk-based capital ratio | 12.5213% | 5,003 |
| Total risk-based capital ratio | 13.8009% | 4,967 |
| Memoranda: | ||
| Average total assets | $63,146,200 | 6,084 |
| Average earning assets | $59,807,800 | 6,003 |
| Average equity | $6,369,400 | 6,243 |
| Average total loans | $46,467,400 | 5,614 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7427% | 1,571 |
| Cost of funding earning assets | 1.9832% | 792 |
| Net interest margin | 3.7595% | 4,145 |
| Noninterest income to average assets | 0.2618% | 6,024 |
| Noninterest expense to average assets | 2.5538% | 5,495 |
| Loan and lease loss provision to assets | 3.2199% | 250 |
| Net operating income to assets | -2.3814% | 7,321 |
| Return on assets (ROA) | -2.3814% | 7,334 |
| Pretax return on assets | -1.9536% | 7,185 |
| Return on Equity (ROE) | -22.6578% | 7,273 |
| Retained earnings to average equity (ytd only) | -22.6578% | 7,258 |
| Net charge-offs to loans | 0.2856% | 4,229 |
| Credit loss provision to net charge-offs | 1,513.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 5.9500% | 2,629 |
| Efficiency ratio | 66.8524% | 4,687 |
| Assets per employee ($millions) | 3.5215% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8765% | 406 |
| Loan loss allowance to noncurrent loans | 39.0809% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 7.9370% | 635 |
| Noncurrent loans to loans | 9.9191% | 432 |
| Net loans and leases to total assets | 73.8574% | 1,834 |
| Net loans and leases to deposits | 81.9809% | 3,110 |
| Net loans and leases to core deposits | 85.0257% | 3,793 |
| Total domestic deposits to total assets | 90.0910% | 831 |
| Equity capital to assets | 8.9861% | 5,600 |
| Core capital (leverage) ratio | 8.8548% | 4,915 |
| Tier 1 risk-based capital ratio | 11.9680% | 5,494 |
| Total risk-based capital ratio | 13.2522% | 5,430 |
| Memoranda: | ||
| Average total assets | $62,651,250 | 6,167 |
| Average earning assets | $59,297,000 | 6,087 |
| Average equity | $6,584,750 | 6,243 |
| Average total loans | $46,683,000 | 5,691 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7218% | 1,682 |
| Cost of funding earning assets | 2.0111% | 885 |
| Net interest margin | 3.7107% | 4,312 |
| Noninterest income to average assets | 0.2436% | 6,168 |
| Noninterest expense to average assets | 2.4677% | 5,848 |
| Loan and lease loss provision to assets | 0.3301% | 3,759 |
| Net operating income to assets | 0.4359% | 4,600 |
| Return on assets (ROA) | 0.4359% | 4,755 |
| Pretax return on assets | 0.9582% | 3,283 |
| Return on Equity (ROE) | 3.9529% | 4,797 |
| Retained earnings to average equity (ytd only) | 3.9529% | 3,565 |
| Net charge-offs to loans | 0.3999% | 3,379 |
| Credit loss provision to net charge-offs | 111.9565% | 3,624 |
| Earnings coverage of net charge-offs (x) | 4.3696% | 2,972 |
| Efficiency ratio | 65.6997% | 5,038 |
| Assets per employee ($millions) | 3.5136% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 6,301 |
| Loan loss allowance to noncurrent loans | 11.8248% | 7,221 |
| Noncurrent assets plus other real estate owned to assets | 6.8149% | 789 |
| Noncurrent loans to loans | 8.6515% | 569 |
| Net loans and leases to total assets | 74.3470% | 1,839 |
| Net loans and leases to deposits | 84.2818% | 2,824 |
| Net loans and leases to core deposits | 86.7320% | 3,736 |
| Total domestic deposits to total assets | 88.2123% | 1,878 |
| Equity capital to assets | 11.0066% | 2,853 |
| Core capital (leverage) ratio | 10.9786% | 2,261 |
| Tier 1 risk-based capital ratio | 14.5408% | 3,424 |
| Total risk-based capital ratio | 15.5619% | 3,508 |
| Memoranda: | ||
| Average total assets | $62,406,000 | 6,217 |
| Average earning assets | $59,072,670 | 6,139 |
| Average equity | $6,881,000 | 6,179 |
| Average total loans | $46,009,330 | 5,758 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7431% | 1,632 |
| Cost of funding earning assets | 2.0550% | 930 |
| Net interest margin | 3.6881% | 4,313 |
| Noninterest income to average assets | 0.2323% | 6,298 |
| Noninterest expense to average assets | 2.3876% | 6,136 |
| Loan and lease loss provision to assets | 0.2710% | 3,858 |
| Net operating income to assets | 0.6066% | 3,863 |
| Return on assets (ROA) | 0.6066% | 4,014 |
| Pretax return on assets | 1.0712% | 2,834 |
| Return on Equity (ROE) | 5.4963% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.4963% | 2,869 |
| Net charge-offs to loans | 0.2916% | 3,246 |
| Credit loss provision to net charge-offs | 127.2727% | 2,772 |
| Earnings coverage of net charge-offs (x) | 6.3030% | 2,247 |
| Efficiency ratio | 64.0138% | 5,491 |
| Assets per employee ($millions) | 3.4540% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 6,254 |
| Loan loss allowance to noncurrent loans | 15.0171% | 7,205 |
| Noncurrent assets plus other real estate owned to assets | 5.5057% | 1,124 |
| Noncurrent loans to loans | 6.9613% | 860 |
| Net loans and leases to total assets | 73.6907% | 2,037 |
| Net loans and leases to deposits | 83.5720% | 3,013 |
| Net loans and leases to core deposits | 85.2531% | 3,998 |
| Total domestic deposits to total assets | 88.1763% | 1,959 |
| Equity capital to assets | 11.0645% | 2,708 |
| Core capital (leverage) ratio | 11.2146% | 2,081 |
| Tier 1 risk-based capital ratio | 14.7793% | 3,217 |
| Total risk-based capital ratio | 15.8193% | 3,305 |
| Memoranda: | ||
| Average total assets | $61,987,000 | 6,309 |
| Average earning assets | $58,783,500 | 6,213 |
| Average equity | $6,841,000 | 6,244 |
| Average total loans | $45,261,000 | 5,871 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0964% | 1,524 |
| Cost of funding earning assets | 2.4235% | 1,231 |
| Net interest margin | 3.6729% | 4,247 |
| Noninterest income to average assets | 0.2992% | 5,957 |
| Noninterest expense to average assets | 2.6540% | 5,580 |
| Loan and lease loss provision to assets | 1.2786% | 1,809 |
| Net operating income to assets | -0.1428% | 5,752 |
| Return on assets (ROA) | -0.1428% | 5,747 |
| Pretax return on assets | -0.1394% | 5,634 |
| Return on Equity (ROE) | -1.1960% | 5,719 |
| Retained earnings to average equity (ytd only) | -3.6876% | 5,820 |
| Net charge-offs to loans | 1.5258% | 1,639 |
| Credit loss provision to net charge-offs | 113.5952% | 4,826 |
| Earnings coverage of net charge-offs (x) | 1.0121% | 5,105 |
| Efficiency ratio | 69.9686% | 4,638 |
| Assets per employee ($millions) | 3.4334% | 5,171 |
| Cash dividends to net income (ytd only)* | -208.3333% | 7,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 6,019 |
| Loan loss allowance to noncurrent loans | 18.0403% | 7,141 |
| Noncurrent assets plus other real estate owned to assets | 4.5840% | 1,404 |
| Noncurrent loans to loans | 5.9539% | 1,055 |
| Net loans and leases to total assets | 70.7874% | 3,056 |
| Net loans and leases to deposits | 79.8409% | 4,026 |
| Net loans and leases to core deposits | 96.0798% | 4,457 |
| Total domestic deposits to total assets | 88.6606% | 1,652 |
| Equity capital to assets | 11.0077% | 2,700 |
| Core capital (leverage) ratio | 11.0440% | 2,202 |
| Tier 1 risk-based capital ratio | 14.9744% | 2,954 |
| Total risk-based capital ratio | 16.0229% | 3,015 |
| Memoranda: | ||
| Average total assets | $58,816,000 | 6,391 |
| Average earning assets | $55,951,000 | 6,293 |
| Average equity | $7,023,600 | 6,259 |
| Average total loans | $43,387,800 | 5,963 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4689% | 804 |
| Cost of funding earning assets | 2.5027% | 1,291 |
| Net interest margin | 3.9662% | 2,957 |
| Noninterest income to average assets | 0.3008% | 6,068 |
| Noninterest expense to average assets | 2.5899% | 5,748 |
| Loan and lease loss provision to assets | 0.6176% | 2,921 |
| Net operating income to assets | 0.5097% | 3,941 |
| Return on assets (ROA) | 0.5097% | 4,025 |
| Pretax return on assets | 0.8702% | 3,318 |
| Return on Equity (ROE) | 4.1814% | 4,311 |
| Retained earnings to average equity (ytd only) | 0.8853% | 4,814 |
| Net charge-offs to loans | 0.7442% | 2,503 |
| Credit loss provision to net charge-offs | 111.6183% | 4,553 |
| Earnings coverage of net charge-offs (x) | 2.6888% | 3,883 |
| Efficiency ratio | 63.5135% | 5,840 |
| Assets per employee ($millions) | 3.2368% | 5,556 |
| Cash dividends to net income (ytd only)* | 78.8304% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 6,649 |
| Loan loss allowance to noncurrent loans | 425.7732% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 5,320 |
| Noncurrent loans to loans | 0.2175% | 6,954 |
| Net loans and leases to total assets | 75.8234% | 2,024 |
| Net loans and leases to deposits | 87.2012% | 3,110 |
| Net loans and leases to core deposits | 106.0418% | 3,697 |
| Total domestic deposits to total assets | 86.9523% | 2,201 |
| Equity capital to assets | 12.2359% | 2,103 |
| Core capital (leverage) ratio | 12.1926% | 1,711 |
| Tier 1 risk-based capital ratio | 15.5163% | 2,821 |
| Total risk-based capital ratio | 16.4223% | 2,908 |
| Memoranda: | ||
| Average total assets | $58,069,500 | 6,465 |
| Average earning assets | $55,298,750 | 6,368 |
| Average equity | $7,078,750 | 6,295 |
| Average total loans | $43,179,000 | 6,015 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3868% | 1,034 |
| Cost of funding earning assets | 2.5136% | 1,563 |
| Net interest margin | 3.8732% | 3,231 |
| Noninterest income to average assets | 0.2931% | 6,161 |
| Noninterest expense to average assets | 2.6274% | 5,626 |
| Loan and lease loss provision to assets | 0.2586% | 4,508 |
| Net operating income to assets | 0.5827% | 3,759 |
| Return on assets (ROA) | 0.5827% | 3,864 |
| Pretax return on assets | 1.1102% | 2,603 |
| Return on Equity (ROE) | 4.7862% | 4,173 |
| Retained earnings to average equity (ytd only) | -0.1699% | 5,261 |
| Net charge-offs to loans | -0.0468% | 7,839 |
| Credit loss provision to net charge-offs | -750.0000% | 7,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7463% | 5,590 |
| Assets per employee ($millions) | 3.2396% | 5,481 |
| Cash dividends to net income (ytd only)* | 103.5503% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 5,814 |
| Loan loss allowance to noncurrent loans | 36.0153% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 2.5809% | 2,494 |
| Noncurrent loans to loans | 2.9562% | 2,438 |
| Net loans and leases to total assets | 74.8988% | 2,468 |
| Net loans and leases to deposits | 85.9372% | 3,566 |
| Net loans and leases to core deposits | 102.9464% | 4,185 |
| Total domestic deposits to total assets | 87.1553% | 2,166 |
| Equity capital to assets | 12.0661% | 2,163 |
| Core capital (leverage) ratio | 11.9005% | 1,872 |
| Tier 1 risk-based capital ratio | 15.7702% | 2,704 |
| Total risk-based capital ratio | 16.8235% | 2,714 |
| Memoranda: | ||
| Average total assets | $58,005,000 | 6,511 |
| Average earning assets | $55,458,000 | 6,411 |
| Average equity | $7,062,000 | 6,348 |
| Average total loans | $42,708,670 | 6,080 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4204% | 1,020 |
| Cost of funding earning assets | 2.5422% | 1,761 |
| Net interest margin | 3.8782% | 3,143 |
| Noninterest income to average assets | 0.2766% | 6,210 |
| Noninterest expense to average assets | 2.5030% | 5,836 |
| Loan and lease loss provision to assets | -0.0138% | 8,177 |
| Net operating income to assets | 0.9749% | 2,418 |
| Return on assets (ROA) | 0.9749% | 2,544 |
| Pretax return on assets | 1.5004% | 1,668 |
| Return on Equity (ROE) | 7.9717% | 3,165 |
| Retained earnings to average equity (ytd only) | -1.9223% | 6,086 |
| Net charge-offs to loans | -0.0667% | 7,783 |
| Credit loss provision to net charge-offs | 28.5714% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7383% | 5,921 |
| Assets per employee ($millions) | 3.2384% | 5,493 |
| Cash dividends to net income (ytd only)* | 124.1135% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 6,671 |
| Loan loss allowance to noncurrent loans | 14.5360% | 7,413 |
| Noncurrent assets plus other real estate owned to assets | 4.9458% | 916 |
| Noncurrent loans to loans | 6.3008% | 723 |
| Net loans and leases to total assets | 72.3804% | 3,155 |
| Net loans and leases to deposits | 83.1894% | 4,105 |
| Net loans and leases to core deposits | 98.8520% | 4,662 |
| Total domestic deposits to total assets | 87.0068% | 2,212 |
| Equity capital to assets | 12.0754% | 2,212 |
| Core capital (leverage) ratio | 11.9900% | 1,906 |
| Tier 1 risk-based capital ratio | 16.0764% | 2,664 |
| Total risk-based capital ratio | 16.9710% | 2,714 |
| Memoranda: | ||
| Average total assets | $57,851,500 | 6,547 |
| Average earning assets | $55,386,000 | 6,442 |
| Average equity | $7,075,000 | 6,377 |
| Average total loans | $41,990,500 | 6,145 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7295% | 1,929 |
| Cost of funding earning assets | 2.9249% | 2,162 |
| Net interest margin | 3.8046% | 3,998 |
| Noninterest income to average assets | 0.3063% | 6,261 |
| Noninterest expense to average assets | 2.7254% | 5,152 |
| Loan and lease loss provision to assets | 0.1173% | 5,871 |
| Net operating income to assets | 0.6196% | 4,228 |
| Return on assets (ROA) | 0.6196% | 4,079 |
| Pretax return on assets | 1.0975% | 3,031 |
| Return on Equity (ROE) | 5.1009% | 4,331 |
| Retained earnings to average equity (ytd only) | 1.7867% | 4,126 |
| Net charge-offs to loans | -0.0400% | 8,006 |
| Credit loss provision to net charge-offs | -418.7500% | 7,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1693% | 4,498 |
| Assets per employee ($millions) | 3.3771% | 5,009 |
| Cash dividends to net income (ytd only)* | 64.9718% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 6,506 |
| Loan loss allowance to noncurrent loans | 32.7939% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 2.3933% | 2,029 |
| Noncurrent loans to loans | 2.8358% | 1,909 |
| Net loans and leases to total assets | 71.4393% | 3,698 |
| Net loans and leases to deposits | 82.4303% | 4,657 |
| Net loans and leases to core deposits | 98.6435% | 4,974 |
| Total domestic deposits to total assets | 86.6663% | 2,110 |
| Equity capital to assets | 12.3861% | 2,071 |
| Core capital (leverage) ratio | 12.0003% | 1,962 |
| Tier 1 risk-based capital ratio | 16.5585% | 2,466 |
| Total risk-based capital ratio | 17.4637% | 2,516 |
| Memoranda: | ||
| Average total assets | $57,129,400 | 6,482 |
| Average earning assets | $54,565,600 | 6,384 |
| Average equity | $6,940,000 | 6,477 |
| Average total loans | $40,017,800 | 6,161 |