Home > Blissfield State Bank > Performance and Condition Ratios
Blissfield State 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 | 4.3783% | 3,315 |
| Cost of funding earning assets | 0.5583% | 4,132 |
| Net interest margin | 3.8200% | 1,538 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.6634% | 1,837 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.0910% | 1,946 |
| Return on assets (ROA) | 1.0195% | 2,135 |
| Pretax return on assets | 1.0195% | 2,621 |
| Return on Equity (ROE) | 20.3700% | 581 |
| Retained earnings to average equity (ytd only) | 7.3870% | 1,760 |
| Net charge-offs to loans | 0.0054% | 2,517 |
| Credit loss provision to net charge-offs | 7,900.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 496.0000% | 296 |
| Efficiency ratio | 67.2391% | 2,204 |
| Assets per employee ($millions) | 4.9852% | 3,649 |
| Cash dividends to net income (ytd only)* | 63.7297% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 747 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 46.6300% | 3,788 |
| Net loans and leases to deposits | 49.6426% | 3,958 |
| Net loans and leases to core deposits | 50.5216% | 4,075 |
| Total domestic deposits to total assets | 93.9400% | 110 |
| Equity capital to assets | 5.9324% | 4,247 |
| Core capital (leverage) ratio | 10.0368% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $114,664,200 | 3,702 |
| Average earning assets | $110,158,000 | 3,649 |
| Average equity | $5,739,800 | 4,188 |
| Average total loans | $55,824,400 | 3,764 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 3,244 |
| Cost of funding earning assets | 0.4756% | 4,170 |
| Net interest margin | 3.8547% | 1,485 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.6383% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3651% | 1,391 |
| Return on assets (ROA) | 1.3209% | 1,477 |
| Pretax return on assets | 1.3209% | 1,977 |
| Return on Equity (ROE) | 27.6700% | 287 |
| Retained earnings to average equity (ytd only) | 17.5606% | 360 |
| Net charge-offs to loans | 0.0047% | 2,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 587.0000% | 264 |
| Efficiency ratio | 65.9018% | 2,289 |
| Assets per employee ($millions) | 5.2338% | 3,402 |
| Cash dividends to net income (ytd only)* | 36.5317% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 2,606 |
| Loan loss allowance to noncurrent loans | 33,250.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,861 |
| Noncurrent loans to loans | 0.0035% | 3,792 |
| Net loans and leases to total assets | 51.9100% | 3,502 |
| Net loans and leases to deposits | 54.7632% | 3,764 |
| Net loans and leases to core deposits | 55.4865% | 3,877 |
| Total domestic deposits to total assets | 94.7800% | 136 |
| Equity capital to assets | 4.1962% | 4,384 |
| Core capital (leverage) ratio | 11.6382% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5977% | 1,399 |
| Memoranda: | ||
| Average total assets | $114,665,500 | 3,712 |
| Average earning assets | $110,165,250 | 3,657 |
| Average equity | $5,474,250 | 4,222 |
| Average total loans | $56,188,000 | 3,764 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,229 |
| Cost of funding earning assets | 0.3922% | 4,178 |
| Net interest margin | 3.8383% | 1,549 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.6718% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3299% | 1,495 |
| Return on assets (ROA) | 1.2783% | 1,613 |
| Pretax return on assets | 1.2783% | 2,137 |
| Return on Equity (ROE) | 25.7900% | 345 |
| Retained earnings to average equity (ytd only) | 16.5924% | 421 |
| Net charge-offs to loans | 0.0072% | 1,963 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 386.5000% | 372 |
| Efficiency ratio | 66.7670% | 2,145 |
| Assets per employee ($millions) | 4.9511% | 3,634 |
| Cash dividends to net income (ytd only)* | 35.6662% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 2,569 |
| Loan loss allowance to noncurrent loans | 33,250.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,889 |
| Noncurrent loans to loans | 0.0035% | 3,803 |
| Net loans and leases to total assets | 49.1600% | 3,608 |
| Net loans and leases to deposits | 52.0400% | 3,834 |
| Net loans and leases to core deposits | 52.3314% | 3,939 |
| Total domestic deposits to total assets | 94.4700% | 124 |
| Equity capital to assets | 5.4252% | 4,306 |
| Core capital (leverage) ratio | 9.8546% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $116,250,667 | 3,713 |
| Average earning assets | $111,664,333 | 3,655 |
| Average equity | $5,761,667 | 4,222 |
| Average total loans | $55,679,333 | 3,781 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 3,341 |
| Cost of funding earning assets | 0.2697% | 4,258 |
| Net interest margin | 3.7934% | 1,702 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.4626% | 2,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4612% | 1,260 |
| Return on assets (ROA) | 1.4612% | 1,232 |
| Pretax return on assets | 1.4612% | 1,748 |
| Return on Equity (ROE) | 30.9000% | 214 |
| Retained earnings to average equity (ytd only) | 22.2562% | 277 |
| Net charge-offs to loans | 0.0072% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 429.0000% | 262 |
| Efficiency ratio | 62.7604% | 2,602 |
| Assets per employee ($millions) | 5.2704% | 3,444 |
| Cash dividends to net income (ytd only)* | 27.9720% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,492 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.8400% | 3,722 |
| Net loans and leases to deposits | 49.5113% | 3,910 |
| Net loans and leases to core deposits | 49.7818% | 3,998 |
| Total domestic deposits to total assets | 94.6000% | 124 |
| Equity capital to assets | 5.3369% | 4,364 |
| Core capital (leverage) ratio | 9.5962% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $117,438,500 | 3,745 |
| Average earning assets | $112,723,500 | 3,689 |
| Average equity | $5,553,500 | 4,293 |
| Average total loans | $55,196,000 | 3,832 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3290% | 3,516 |
| Cost of funding earning assets | 0.1428% | 4,161 |
| Net interest margin | 3.1863% | 2,910 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.3161% | 2,673 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9608% | 2,721 |
| Return on assets (ROA) | 0.9239% | 2,810 |
| Pretax return on assets | 0.9239% | 3,287 |
| Return on Equity (ROE) | 15.8700% | 1,077 |
| Retained earnings to average equity (ytd only) | 5.8001% | 2,718 |
| Net charge-offs to loans | -0.0072% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9182% | 1,846 |
| Assets per employee ($millions) | 5.9465% | 2,814 |
| Cash dividends to net income (ytd only)* | 63.4633% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,367 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 46.0400% | 3,798 |
| Net loans and leases to deposits | 48.0711% | 3,972 |
| Net loans and leases to core deposits | 48.4600% | 4,042 |
| Total domestic deposits to total assets | 95.7700% | 95 |
| Equity capital to assets | 4.1361% | 4,504 |
| Core capital (leverage) ratio | 9.1813% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $119,381,000 | 3,737 |
| Average earning assets | $114,867,800 | 3,677 |
| Average equity | $6,948,200 | 4,224 |
| Average total loans | $55,487,800 | 3,819 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1855% | 3,468 |
| Cost of funding earning assets | 0.1390% | 3,949 |
| Net interest margin | 3.0465% | 3,092 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.2885% | 2,661 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.8000% | 3,267 |
| Return on assets (ROA) | 0.7498% | 3,366 |
| Pretax return on assets | 0.7498% | 3,690 |
| Return on Equity (ROE) | 12.0200% | 2,023 |
| Retained earnings to average equity (ytd only) | 7.9939% | 2,001 |
| Net charge-offs to loans | 0.0192% | 1,454 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 99.6250% | 953 |
| Efficiency ratio | 72.0154% | 1,508 |
| Assets per employee ($millions) | 5.2465% | 3,463 |
| Cash dividends to net income (ytd only)* | 33.4821% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,224 |
| Loan loss allowance to noncurrent loans | 1,763.8889% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,206 |
| Noncurrent loans to loans | 0.0598% | 3,451 |
| Net loans and leases to total assets | 51.6100% | 3,320 |
| Net loans and leases to deposits | 53.4598% | 3,636 |
| Net loans and leases to core deposits | 54.6065% | 3,713 |
| Total domestic deposits to total assets | 96.5400% | 97 |
| Equity capital to assets | 3.3971% | 4,554 |
| Core capital (leverage) ratio | 9.3670% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $119,494,000 | 3,759 |
| Average earning assets | $115,103,750 | 3,706 |
| Average equity | $7,455,500 | 4,195 |
| Average total loans | $55,504,750 | 3,826 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9442% | 3,690 |
| Cost of funding earning assets | 0.1324% | 3,811 |
| Net interest margin | 2.8118% | 3,414 |
| Noninterest income to average assets | 0.2333% | 3,782 |
| Noninterest expense to average assets | 2.2540% | 2,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6851% | 3,360 |
| Return on assets (ROA) | 0.6851% | 3,313 |
| Pretax return on assets | 0.6851% | 3,611 |
| Return on Equity (ROE) | 9.5904% | 2,488 |
| Retained earnings to average equity (ytd only) | 4.3782% | 2,938 |
| Net charge-offs to loans | -0.0111% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6892% | 1,206 |
| Assets per employee ($millions) | 5.9236% | 2,815 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 3,775 |
| Loan loss allowance to noncurrent loans | 442.1875% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 2,056 |
| Noncurrent loans to loans | 0.2159% | 2,638 |
| Net loans and leases to total assets | 49.5573% | 3,419 |
| Net loans and leases to deposits | 52.0940% | 3,677 |
| Net loans and leases to core deposits | 53.1976% | 3,747 |
| Total domestic deposits to total assets | 95.1305% | 133 |
| Equity capital to assets | 4.8147% | 4,510 |
| Core capital (leverage) ratio | 9.2095% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,851,000 | 3,791 |
| Average earning assets | $116,296,000 | 3,745 |
| Average equity | $8,633,667 | 4,137 |
| Average total loans | $53,939,000 | 3,892 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7189% | 3,903 |
| Cost of funding earning assets | 0.1327% | 3,731 |
| Net interest margin | 2.5862% | 3,693 |
| Noninterest income to average assets | 0.2425% | 3,690 |
| Noninterest expense to average assets | 2.0780% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6555% | 3,212 |
| Return on assets (ROA) | 0.6555% | 3,190 |
| Pretax return on assets | 0.6555% | 3,505 |
| Return on Equity (ROE) | 7.9220% | 2,718 |
| Retained earnings to average equity (ytd only) | 2.9707% | 3,274 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0192% | 1,517 |
| Assets per employee ($millions) | 5.5404% | 3,288 |
| Cash dividends to net income (ytd only)* | 62.5000% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,503 |
| Loan loss allowance to noncurrent loans | 457.7236% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 2,189 |
| Noncurrent loans to loans | 0.2306% | 2,670 |
| Net loans and leases to total assets | 43.2927% | 3,791 |
| Net loans and leases to deposits | 46.5265% | 3,951 |
| Net loans and leases to core deposits | 47.5045% | 4,008 |
| Total domestic deposits to total assets | 93.0494% | 260 |
| Equity capital to assets | 6.9071% | 4,253 |
| Core capital (leverage) ratio | 9.0623% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,041,000 | 3,796 |
| Average earning assets | $117,547,000 | 3,748 |
| Average equity | $10,098,500 | 4,044 |
| Average total loans | $51,270,000 | 3,954 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8159% | 4,182 |
| Cost of funding earning assets | 0.1982% | 3,486 |
| Net interest margin | 2.6177% | 4,023 |
| Noninterest income to average assets | 0.2575% | 3,834 |
| Noninterest expense to average assets | 2.3628% | 2,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4111% | 4,260 |
| Return on assets (ROA) | 0.4111% | 4,297 |
| Pretax return on assets | 0.4111% | 4,380 |
| Return on Equity (ROE) | 4.0725% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.0725% | 3,193 |
| Net charge-offs to loans | -0.0079% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1795% | 504 |
| Assets per employee ($millions) | 5.3127% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,154 |
| Loan loss allowance to noncurrent loans | 50.0444% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 628 |
| Noncurrent loans to loans | 2.2862% | 313 |
| Net loans and leases to total assets | 39.8100% | 4,103 |
| Net loans and leases to deposits | 44.0825% | 4,175 |
| Net loans and leases to core deposits | 44.8035% | 4,236 |
| Total domestic deposits to total assets | 90.3080% | 806 |
| Equity capital to assets | 9.6389% | 3,005 |
| Core capital (leverage) ratio | 9.3216% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,514,400 | 3,838 |
| Average earning assets | $112,005,400 | 3,788 |
| Average equity | $11,761,800 | 3,959 |
| Average total loans | $50,684,600 | 3,984 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8617% | 4,221 |
| Cost of funding earning assets | 0.2135% | 3,480 |
| Net interest margin | 2.6481% | 4,060 |
| Noninterest income to average assets | 0.2549% | 3,867 |
| Noninterest expense to average assets | 2.3343% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4634% | 4,267 |
| Return on assets (ROA) | 0.4634% | 4,307 |
| Pretax return on assets | 0.4634% | 4,414 |
| Return on Equity (ROE) | 4.5359% | 4,220 |
| Retained earnings to average equity (ytd only) | 1.1340% | 4,387 |
| Net charge-offs to loans | -0.0104% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4369% | 552 |
| Assets per employee ($millions) | 5.2997% | 3,405 |
| Cash dividends to net income (ytd only)* | 75.0000% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,422 |
| Loan loss allowance to noncurrent loans | 49.1274% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 680 |
| Noncurrent loans to loans | 2.2468% | 364 |
| Net loans and leases to total assets | 43.2629% | 4,004 |
| Net loans and leases to deposits | 48.1602% | 4,109 |
| Net loans and leases to core deposits | 48.8348% | 4,200 |
| Total domestic deposits to total assets | 89.8314% | 849 |
| Equity capital to assets | 10.1163% | 2,792 |
| Core capital (leverage) ratio | 9.5255% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,094,750 | 3,898 |
| Average earning assets | $110,515,000 | 3,848 |
| Average equity | $11,757,750 | 4,014 |
| Average total loans | $51,053,750 | 4,028 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8781% | 4,253 |
| Cost of funding earning assets | 0.2306% | 3,461 |
| Net interest margin | 2.6474% | 4,086 |
| Noninterest income to average assets | 0.2566% | 3,860 |
| Noninterest expense to average assets | 2.3055% | 2,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4957% | 4,228 |
| Return on assets (ROA) | 0.4957% | 4,272 |
| Pretax return on assets | 0.4957% | 4,398 |
| Return on Equity (ROE) | 4.8360% | 4,161 |
| Retained earnings to average equity (ytd only) | 1.4304% | 4,256 |
| Net charge-offs to loans | 0.0078% | 1,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 610 |
| Efficiency ratio | 82.3053% | 651 |
| Assets per employee ($millions) | 5.3380% | 3,301 |
| Cash dividends to net income (ytd only)* | 70.4225% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,469 |
| Loan loss allowance to noncurrent loans | 47.9759% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9886% | 766 |
| Noncurrent loans to loans | 2.2670% | 389 |
| Net loans and leases to total assets | 43.1362% | 4,101 |
| Net loans and leases to deposits | 47.9825% | 4,217 |
| Net loans and leases to core deposits | 48.6478% | 4,296 |
| Total domestic deposits to total assets | 89.8999% | 826 |
| Equity capital to assets | 10.0370% | 2,819 |
| Core capital (leverage) ratio | 9.6244% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,595,000 | 3,920 |
| Average earning assets | $110,144,000 | 3,872 |
| Average equity | $11,745,333 | 4,019 |
| Average total loans | $51,070,000 | 4,059 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8468% | 4,318 |
| Cost of funding earning assets | 0.2431% | 3,539 |
| Net interest margin | 2.6037% | 4,141 |
| Noninterest income to average assets | 0.2615% | 3,827 |
| Noninterest expense to average assets | 2.2514% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5089% | 4,160 |
| Return on assets (ROA) | 0.5089% | 4,197 |
| Pretax return on assets | 0.5089% | 4,332 |
| Return on Equity (ROE) | 4.9128% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.9128% | 3,246 |
| Net charge-offs to loans | -0.0157% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5621% | 724 |
| Assets per employee ($millions) | 5.5091% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 3,475 |
| Loan loss allowance to noncurrent loans | 52.9245% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 928 |
| Noncurrent loans to loans | 2.0633% | 516 |
| Net loans and leases to total assets | 43.9218% | 4,118 |
| Net loans and leases to deposits | 48.7424% | 4,232 |
| Net loans and leases to core deposits | 49.5505% | 4,320 |
| Total domestic deposits to total assets | 90.1099% | 770 |
| Equity capital to assets | 9.8486% | 2,847 |
| Core capital (leverage) ratio | 9.8952% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,175,000 | 3,939 |
| Average earning assets | $108,615,000 | 3,887 |
| Average equity | $11,724,500 | 4,032 |
| Average total loans | $50,998,000 | 4,071 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 4,299 |
| Cost of funding earning assets | 0.3507% | 3,866 |
| Net interest margin | 2.9719% | 3,957 |
| Noninterest income to average assets | 0.2720% | 3,847 |
| Noninterest expense to average assets | 2.6466% | 2,397 |
| Loan and lease loss provision to assets | 0.2105% | 1,869 |
| Net operating income to assets | 0.2652% | 4,486 |
| Return on assets (ROA) | 0.6323% | 3,774 |
| Pretax return on assets | 0.6323% | 4,014 |
| Return on Equity (ROE) | 5.7522% | 3,658 |
| Retained earnings to average equity (ytd only) | 2.9110% | 3,414 |
| Net charge-offs to loans | 1.1731% | 107 |
| Credit loss provision to net charge-offs | 36.5609% | 3,199 |
| Earnings coverage of net charge-offs (x) | 0.8264% | 3,300 |
| Efficiency ratio | 84.7645% | 580 |
| Assets per employee ($millions) | 4.6108% | 3,798 |
| Cash dividends to net income (ytd only)* | 49.3921% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,442 |
| Loan loss allowance to noncurrent loans | 48.5665% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 904 |
| Noncurrent loans to loans | 2.2738% | 472 |
| Net loans and leases to total assets | 45.2403% | 4,178 |
| Net loans and leases to deposits | 50.8161% | 4,272 |
| Net loans and leases to core deposits | 51.7036% | 4,353 |
| Total domestic deposits to total assets | 89.0275% | 975 |
| Equity capital to assets | 10.8939% | 2,346 |
| Core capital (leverage) ratio | 10.1193% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7340% | 1,101 |
| Memoranda: | ||
| Average total assets | $104,057,400 | 3,944 |
| Average earning assets | $99,802,200 | 3,898 |
| Average equity | $11,439,200 | 4,033 |
| Average total loans | $51,062,000 | 4,096 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 4,341 |
| Cost of funding earning assets | 0.3694% | 3,957 |
| Net interest margin | 3.0350% | 3,894 |
| Noninterest income to average assets | 0.2682% | 3,861 |
| Noninterest expense to average assets | 2.6690% | 2,344 |
| Loan and lease loss provision to assets | 0.2461% | 1,648 |
| Net operating income to assets | 0.2630% | 4,502 |
| Return on assets (ROA) | 0.7603% | 3,360 |
| Pretax return on assets | 0.7603% | 3,749 |
| Return on Equity (ROE) | 6.8997% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.5368% | 2,780 |
| Net charge-offs to loans | -0.0026% | 3,922 |
| Credit loss provision to net charge-offs | -18,900.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9820% | 601 |
| Assets per employee ($millions) | 4.2388% | 4,105 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0908% | 428 |
| Loan loss allowance to noncurrent loans | 54.5674% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.9525% | 347 |
| Noncurrent loans to loans | 3.8316% | 176 |
| Net loans and leases to total assets | 49.8910% | 4,106 |
| Net loans and leases to deposits | 56.2933% | 4,241 |
| Net loans and leases to core deposits | 57.3013% | 4,328 |
| Total domestic deposits to total assets | 88.6269% | 929 |
| Equity capital to assets | 11.2863% | 2,160 |
| Core capital (leverage) ratio | 10.8796% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3402% | 1,414 |
| Memoranda: | ||
| Average total assets | $102,407,250 | 3,960 |
| Average earning assets | $98,184,000 | 3,914 |
| Average equity | $11,285,250 | 4,060 |
| Average total loans | $51,172,250 | 4,109 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 4,408 |
| Cost of funding earning assets | 0.3852% | 4,108 |
| Net interest margin | 3.1144% | 3,871 |
| Noninterest income to average assets | 0.2667% | 3,877 |
| Noninterest expense to average assets | 2.7090% | 2,360 |
| Loan and lease loss provision to assets | 0.0474% | 3,707 |
| Net operating income to assets | 0.4979% | 4,025 |
| Return on assets (ROA) | 0.8832% | 2,877 |
| Pretax return on assets | 0.8832% | 3,361 |
| Return on Equity (ROE) | 8.0829% | 2,715 |
| Retained earnings to average equity (ytd only) | 6.2747% | 1,950 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2423% | 684 |
| Assets per employee ($millions) | 3.8959% | 4,399 |
| Cash dividends to net income (ytd only)* | 22.3714% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 600 |
| Loan loss allowance to noncurrent loans | 49.1577% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.8624% | 417 |
| Noncurrent loans to loans | 3.7390% | 197 |
| Net loans and leases to total assets | 48.8934% | 4,215 |
| Net loans and leases to deposits | 55.0095% | 4,336 |
| Net loans and leases to core deposits | 55.9935% | 4,435 |
| Total domestic deposits to total assets | 88.8818% | 793 |
| Equity capital to assets | 11.0241% | 2,319 |
| Core capital (leverage) ratio | 11.0264% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0103% | 905 |
| Memoranda: | ||
| Average total assets | $101,220,000 | 3,976 |
| Average earning assets | $97,096,667 | 3,923 |
| Average equity | $11,060,333 | 4,091 |
| Average total loans | $50,230,333 | 4,137 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,358 |
| Cost of funding earning assets | 0.4070% | 4,341 |
| Net interest margin | 3.3107% | 3,565 |
| Noninterest income to average assets | 0.3023% | 3,700 |
| Noninterest expense to average assets | 2.6321% | 2,883 |
| Loan and lease loss provision to assets | 0.0564% | 3,056 |
| Net operating income to assets | 0.7941% | 2,930 |
| Return on assets (ROA) | 1.5236% | 807 |
| Pretax return on assets | 1.5236% | 1,247 |
| Return on Equity (ROE) | 14.0097% | 696 |
| Retained earnings to average equity (ytd only) | 10.3035% | 690 |
| Net charge-offs to loans | 0.0081% | 2,271 |
| Credit loss provision to net charge-offs | 1,400.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 331 |
| Efficiency ratio | 75.5787% | 1,613 |
| Assets per employee ($millions) | 3.7206% | 4,255 |
| Cash dividends to net income (ytd only)* | 26.4550% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 608 |
| Loan loss allowance to noncurrent loans | 55.7377% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.7003% | 575 |
| Noncurrent loans to loans | 3.4056% | 282 |
| Net loans and leases to total assets | 48.9781% | 4,290 |
| Net loans and leases to deposits | 54.7834% | 4,409 |
| Net loans and leases to core deposits | 55.7993% | 4,498 |
| Total domestic deposits to total assets | 89.4032% | 508 |
| Equity capital to assets | 10.5092% | 3,310 |
| Core capital (leverage) ratio | 11.2687% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6738% | 903 |
| Memoranda: | ||
| Average total assets | $99,236,000 | 4,005 |
| Average earning assets | $95,327,000 | 3,935 |
| Average equity | $10,792,500 | 4,134 |
| Average total loans | $49,149,000 | 4,170 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 4,495 |
| Cost of funding earning assets | 0.4146% | 4,398 |
| Net interest margin | 3.4444% | 3,607 |
| Noninterest income to average assets | 0.3528% | 3,588 |
| Noninterest expense to average assets | 2.8889% | 2,323 |
| Loan and lease loss provision to assets | 0.0765% | 2,462 |
| Net operating income to assets | 0.6659% | 3,968 |
| Return on assets (ROA) | 0.8056% | 3,623 |
| Pretax return on assets | 0.8056% | 3,961 |
| Return on Equity (ROE) | 7.3295% | 3,434 |
| Retained earnings to average equity (ytd only) | 3.1545% | 3,447 |
| Net charge-offs to loans | 0.0101% | 3,323 |
| Credit loss provision to net charge-offs | 1,500.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 145.6000% | 508 |
| Efficiency ratio | 79.5563% | 977 |
| Assets per employee ($millions) | 3.7699% | 4,190 |
| Cash dividends to net income (ytd only)* | 56.9620% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9504% | 498 |
| Loan loss allowance to noncurrent loans | 54.0276% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.7732% | 497 |
| Noncurrent loans to loans | 3.6099% | 222 |
| Net loans and leases to total assets | 48.1610% | 4,419 |
| Net loans and leases to deposits | 54.2972% | 4,519 |
| Net loans and leases to core deposits | 55.3327% | 4,614 |
| Total domestic deposits to total assets | 88.6989% | 794 |
| Equity capital to assets | 11.2511% | 2,759 |
| Core capital (leverage) ratio | 11.1475% | 2,379 |
| Tier 1 risk-based capital ratio | 18.8535% | 1,555 |
| Total risk-based capital ratio | 20.1064% | 1,523 |
| Memoranda: | ||
| Average total assets | $98,066,600 | 4,032 |
| Average earning assets | $93,340,400 | 3,986 |
| Average equity | $10,778,400 | 4,149 |
| Average total loans | $49,513,200 | 4,198 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 4,561 |
| Cost of funding earning assets | 0.4095% | 4,470 |
| Net interest margin | 3.4750% | 3,645 |
| Noninterest income to average assets | 0.3466% | 3,650 |
| Noninterest expense to average assets | 2.8792% | 2,322 |
| Loan and lease loss provision to assets | 0.0680% | 2,523 |
| Net operating income to assets | 0.6987% | 4,020 |
| Return on assets (ROA) | 0.8836% | 3,482 |
| Pretax return on assets | 0.8836% | 3,932 |
| Return on Equity (ROE) | 8.0874% | 3,263 |
| Retained earnings to average equity (ytd only) | 3.7326% | 3,532 |
| Net charge-offs to loans | 0.0107% | 2,982 |
| Credit loss provision to net charge-offs | 1,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 141.0844% | 565 |
| Efficiency ratio | 78.9709% | 1,018 |
| Assets per employee ($millions) | 3.6509% | 4,332 |
| Cash dividends to net income (ytd only)* | 53.8464% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 668 |
| Loan loss allowance to noncurrent loans | 78.2720% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 1,071 |
| Noncurrent loans to loans | 2.3081% | 529 |
| Net loans and leases to total assets | 50.4530% | 4,403 |
| Net loans and leases to deposits | 56.9601% | 4,517 |
| Net loans and leases to core deposits | 58.0362% | 4,605 |
| Total domestic deposits to total assets | 88.5760% | 793 |
| Equity capital to assets | 11.3418% | 2,801 |
| Core capital (leverage) ratio | 11.3979% | 2,302 |
| Tier 1 risk-based capital ratio | 18.8235% | 1,603 |
| Total risk-based capital ratio | 20.0772% | 1,572 |
| Memoranda: | ||
| Average total assets | $98,079,000 | 4,070 |
| Average earning assets | $93,119,500 | 4,033 |
| Average equity | $10,716,000 | 4,199 |
| Average total loans | $49,855,250 | 4,236 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 4,536 |
| Cost of funding earning assets | 0.4012% | 4,501 |
| Net interest margin | 3.5091% | 3,570 |
| Noninterest income to average assets | 0.3513% | 3,587 |
| Noninterest expense to average assets | 2.8392% | 2,445 |
| Loan and lease loss provision to assets | 0.0613% | 2,597 |
| Net operating income to assets | 0.7741% | 3,736 |
| Return on assets (ROA) | 0.8885% | 3,393 |
| Pretax return on assets | 0.8885% | 3,877 |
| Return on Equity (ROE) | 8.2376% | 3,179 |
| Retained earnings to average equity (ytd only) | 3.9768% | 3,262 |
| Net charge-offs to loans | 0.0202% | 2,458 |
| Credit loss provision to net charge-offs | 600.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 81.8000% | 802 |
| Efficiency ratio | 77.2651% | 1,238 |
| Assets per employee ($millions) | 3.5606% | 4,430 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 714 |
| Loan loss allowance to noncurrent loans | 66.0266% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.4084% | 842 |
| Noncurrent loans to loans | 2.6851% | 408 |
| Net loans and leases to total assets | 51.5244% | 4,387 |
| Net loans and leases to deposits | 58.2070% | 4,508 |
| Net loans and leases to core deposits | 59.2103% | 4,603 |
| Total domestic deposits to total assets | 88.5193% | 870 |
| Equity capital to assets | 11.3902% | 2,708 |
| Core capital (leverage) ratio | 11.2290% | 2,392 |
| Tier 1 risk-based capital ratio | 19.1192% | 1,527 |
| Total risk-based capital ratio | 20.3715% | 1,486 |
| Memoranda: | ||
| Average total assets | $97,914,330 | 4,099 |
| Average earning assets | $92,730,330 | 4,063 |
| Average equity | $10,561,330 | 4,226 |
| Average total loans | $49,591,000 | 4,264 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 4,557 |
| Cost of funding earning assets | 0.3896% | 4,531 |
| Net interest margin | 3.5060% | 3,576 |
| Noninterest income to average assets | 0.3482% | 3,529 |
| Noninterest expense to average assets | 2.8501% | 2,416 |
| Loan and lease loss provision to assets | 0.1215% | 1,444 |
| Net operating income to assets | 0.6923% | 3,965 |
| Return on assets (ROA) | 0.7044% | 3,963 |
| Pretax return on assets | 0.7044% | 4,291 |
| Return on Equity (ROE) | 6.7136% | 3,768 |
| Retained earnings to average equity (ytd only) | 2.8552% | 3,793 |
| Net charge-offs to loans | 0.0081% | 2,397 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 387 |
| Efficiency ratio | 77.7901% | 1,290 |
| Assets per employee ($millions) | 3.4448% | 4,610 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 687 |
| Loan loss allowance to noncurrent loans | 55.9502% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.6066% | 706 |
| Noncurrent loans to loans | 3.2503% | 303 |
| Net loans and leases to total assets | 48.5315% | 4,552 |
| Net loans and leases to deposits | 54.3478% | 4,665 |
| Net loans and leases to core deposits | 55.2564% | 4,740 |
| Total domestic deposits to total assets | 89.2981% | 729 |
| Equity capital to assets | 10.6489% | 3,205 |
| Core capital (leverage) ratio | 10.9463% | 2,615 |
| Tier 1 risk-based capital ratio | 18.3842% | 1,693 |
| Total risk-based capital ratio | 19.6376% | 1,633 |
| Memoranda: | ||
| Average total assets | $98,804,000 | 4,127 |
| Average earning assets | $93,439,000 | 4,087 |
| Average equity | $10,367,000 | 4,277 |
| Average total loans | $49,173,000 | 4,321 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 4,663 |
| Cost of funding earning assets | 0.3283% | 4,423 |
| Net interest margin | 3.3770% | 4,062 |
| Noninterest income to average assets | 0.3452% | 3,805 |
| Noninterest expense to average assets | 2.7251% | 2,945 |
| Loan and lease loss provision to assets | 0.2639% | 642 |
| Net operating income to assets | 0.5559% | 4,535 |
| Return on assets (ROA) | 0.7304% | 4,043 |
| Pretax return on assets | 0.7304% | 4,340 |
| Return on Equity (ROE) | 7.4360% | 3,681 |
| Retained earnings to average equity (ytd only) | 3.6056% | 3,602 |
| Net charge-offs to loans | 0.1189% | 1,553 |
| Credit loss provision to net charge-offs | 445.7627% | 767 |
| Earnings coverage of net charge-offs (x) | 13.8475% | 2,415 |
| Efficiency ratio | 76.8752% | 1,246 |
| Assets per employee ($millions) | 3.6189% | 4,427 |
| Cash dividends to net income (ytd only)* | 51.5110% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 715 |
| Loan loss allowance to noncurrent loans | 65.6344% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 919 |
| Noncurrent loans to loans | 2.7039% | 420 |
| Net loans and leases to total assets | 49.2242% | 4,572 |
| Net loans and leases to deposits | 54.9096% | 4,710 |
| Net loans and leases to core deposits | 56.0551% | 4,776 |
| Total domestic deposits to total assets | 89.6459% | 599 |
| Equity capital to assets | 10.3326% | 3,347 |
| Core capital (leverage) ratio | 10.6911% | 2,845 |
| Tier 1 risk-based capital ratio | 17.9482% | 1,771 |
| Total risk-based capital ratio | 19.2004% | 1,728 |
| Memoranda: | ||
| Average total assets | $99,664,600 | 4,105 |
| Average earning assets | $94,433,800 | 4,058 |
| Average equity | $9,790,200 | 4,336 |
| Average total loans | $49,640,400 | 4,324 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6104% | 4,782 |
| Cost of funding earning assets | 0.3122% | 4,432 |
| Net interest margin | 3.2981% | 4,280 |
| Noninterest income to average assets | 0.3381% | 3,895 |
| Noninterest expense to average assets | 2.6718% | 3,059 |
| Loan and lease loss provision to assets | 0.0772% | 2,416 |
| Net operating income to assets | 0.7109% | 4,192 |
| Return on assets (ROA) | 0.7096% | 4,204 |
| Pretax return on assets | 0.7096% | 4,511 |
| Return on Equity (ROE) | 7.3159% | 3,811 |
| Retained earnings to average equity (ytd only) | 2.1687% | 4,514 |
| Net charge-offs to loans | 0.1606% | 1,029 |
| Credit loss provision to net charge-offs | 96.6667% | 2,341 |
| Earnings coverage of net charge-offs (x) | 9.8664% | 2,620 |
| Efficiency ratio | 77.2220% | 1,205 |
| Assets per employee ($millions) | 3.6155% | 4,415 |
| Cash dividends to net income (ytd only)* | 70.3567% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,160 |
| Loan loss allowance to noncurrent loans | 62.4882% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.0869% | 1,325 |
| Noncurrent loans to loans | 2.0591% | 702 |
| Net loans and leases to total assets | 52.1062% | 4,477 |
| Net loans and leases to deposits | 57.7545% | 4,660 |
| Net loans and leases to core deposits | 59.1887% | 4,735 |
| Total domestic deposits to total assets | 90.2200% | 433 |
| Equity capital to assets | 9.7257% | 3,895 |
| Core capital (leverage) ratio | 10.6359% | 2,948 |
| Tier 1 risk-based capital ratio | 17.7801% | 1,850 |
| Total risk-based capital ratio | 18.9000% | 1,842 |
| Memoranda: | ||
| Average total assets | $100,153,250 | 4,142 |
| Average earning assets | $94,798,750 | 4,099 |
| Average equity | $9,713,750 | 4,383 |
| Average total loans | $49,809,000 | 4,367 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 4,916 |
| Cost of funding earning assets | 0.2991% | 4,420 |
| Net interest margin | 3.2047% | 4,491 |
| Noninterest income to average assets | 0.3446% | 3,871 |
| Noninterest expense to average assets | 2.5486% | 3,482 |
| Loan and lease loss provision to assets | 0.0990% | 1,960 |
| Net operating income to assets | 0.7307% | 4,102 |
| Return on assets (ROA) | 0.7287% | 4,112 |
| Pretax return on assets | 0.7287% | 4,442 |
| Return on Equity (ROE) | 7.5202% | 3,714 |
| Retained earnings to average equity (ytd only) | 2.4114% | 4,298 |
| Net charge-offs to loans | 0.0934% | 1,413 |
| Credit loss provision to net charge-offs | 217.3913% | 1,227 |
| Earnings coverage of net charge-offs (x) | 18.2174% | 1,911 |
| Efficiency ratio | 75.4396% | 1,501 |
| Assets per employee ($millions) | 3.8135% | 4,190 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 1,849 |
| Loan loss allowance to noncurrent loans | 62.7949% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 1,331 |
| Noncurrent loans to loans | 2.1830% | 644 |
| Net loans and leases to total assets | 50.2143% | 4,598 |
| Net loans and leases to deposits | 55.6994% | 4,768 |
| Net loans and leases to core deposits | 57.0675% | 4,826 |
| Total domestic deposits to total assets | 90.1524% | 523 |
| Equity capital to assets | 9.7770% | 3,844 |
| Core capital (leverage) ratio | 10.5726% | 2,954 |
| Tier 1 risk-based capital ratio | 17.9318% | 1,816 |
| Total risk-based capital ratio | 19.1152% | 1,801 |
| Memoranda: | ||
| Average total assets | $100,998,330 | 4,158 |
| Average earning assets | $95,610,330 | 4,119 |
| Average equity | $9,787,000 | 4,412 |
| Average total loans | $49,236,000 | 4,419 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 4,867 |
| Cost of funding earning assets | 0.2988% | 4,360 |
| Net interest margin | 3.2085% | 4,435 |
| Noninterest income to average assets | 0.3768% | 3,613 |
| Noninterest expense to average assets | 2.5667% | 3,432 |
| Loan and lease loss provision to assets | 0.1177% | 1,602 |
| Net operating income to assets | 0.7260% | 3,998 |
| Return on assets (ROA) | 0.7260% | 4,008 |
| Pretax return on assets | 0.7260% | 4,372 |
| Return on Equity (ROE) | 7.5253% | 3,578 |
| Retained earnings to average equity (ytd only) | 2.4406% | 4,194 |
| Net charge-offs to loans | 0.0082% | 2,441 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 315 |
| Efficiency ratio | 75.2589% | 1,709 |
| Assets per employee ($millions) | 3.9111% | 4,133 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,759 |
| Loan loss allowance to noncurrent loans | 63.9631% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 1,461 |
| Noncurrent loans to loans | 2.2224% | 672 |
| Net loans and leases to total assets | 47.3286% | 4,732 |
| Net loans and leases to deposits | 52.3193% | 4,871 |
| Net loans and leases to core deposits | 53.6484% | 4,925 |
| Total domestic deposits to total assets | 90.4611% | 485 |
| Equity capital to assets | 9.4907% | 4,099 |
| Core capital (leverage) ratio | 10.2046% | 3,296 |
| Tier 1 risk-based capital ratio | 18.2768% | 1,752 |
| Total risk-based capital ratio | 19.4931% | 1,725 |
| Memoranda: | ||
| Average total assets | $101,922,000 | 4,192 |
| Average earning assets | $96,370,000 | 4,152 |
| Average equity | $9,833,500 | 4,451 |
| Average total loans | $48,614,000 | 4,476 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5580% | 4,674 |
| Cost of funding earning assets | 0.2881% | 4,242 |
| Net interest margin | 3.2698% | 4,254 |
| Noninterest income to average assets | 0.3251% | 4,142 |
| Noninterest expense to average assets | 2.6476% | 3,287 |
| Loan and lease loss provision to assets | 0.0848% | 2,510 |
| Net operating income to assets | 0.7210% | 3,514 |
| Return on assets (ROA) | 0.8613% | 2,933 |
| Pretax return on assets | 0.8613% | 4,047 |
| Return on Equity (ROE) | 8.5331% | 2,528 |
| Retained earnings to average equity (ytd only) | 3.5813% | 3,123 |
| Net charge-offs to loans | 0.1034% | 2,031 |
| Credit loss provision to net charge-offs | 168.0000% | 1,599 |
| Earnings coverage of net charge-offs (x) | 15.9600% | 2,210 |
| Efficiency ratio | 76.6667% | 1,524 |
| Assets per employee ($millions) | 3.9290% | 4,077 |
| Cash dividends to net income (ytd only)* | 58.0305% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 1,862 |
| Loan loss allowance to noncurrent loans | 1,847.2222% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 4,964 |
| Noncurrent loans to loans | 0.0744% | 4,667 |
| Net loans and leases to total assets | 46.7339% | 4,847 |
| Net loans and leases to deposits | 51.8512% | 4,993 |
| Net loans and leases to core deposits | 53.1643% | 5,036 |
| Total domestic deposits to total assets | 90.1307% | 528 |
| Equity capital to assets | 9.8047% | 3,912 |
| Core capital (leverage) ratio | 10.1622% | 3,232 |
| Tier 1 risk-based capital ratio | 18.3217% | 1,704 |
| Total risk-based capital ratio | 19.4968% | 1,677 |
| Memoranda: | ||
| Average total assets | $99,034,600 | 4,255 |
| Average earning assets | $94,744,800 | 4,187 |
| Average equity | $9,996,400 | 4,448 |
| Average total loans | $48,333,200 | 4,506 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 4,780 |
| Cost of funding earning assets | 0.2825% | 4,295 |
| Net interest margin | 3.2313% | 4,383 |
| Noninterest income to average assets | 0.3108% | 4,303 |
| Noninterest expense to average assets | 2.6638% | 3,192 |
| Loan and lease loss provision to assets | 0.1140% | 1,892 |
| Net operating income to assets | 0.6378% | 4,243 |
| Return on assets (ROA) | 0.8264% | 3,442 |
| Pretax return on assets | 0.8264% | 4,283 |
| Return on Equity (ROE) | 8.1267% | 3,066 |
| Retained earnings to average equity (ytd only) | 3.4561% | 3,872 |
| Net charge-offs to loans | 0.0469% | 2,504 |
| Credit loss provision to net charge-offs | 494.1176% | 652 |
| Earnings coverage of net charge-offs (x) | 32.5827% | 1,478 |
| Efficiency ratio | 77.9897% | 1,333 |
| Assets per employee ($millions) | 3.7491% | 4,377 |
| Cash dividends to net income (ytd only)* | 57.4719% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,905 |
| Loan loss allowance to noncurrent loans | 1,057.5758% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 4,892 |
| Noncurrent loans to loans | 0.1321% | 4,530 |
| Net loans and leases to total assets | 50.5370% | 4,666 |
| Net loans and leases to deposits | 56.5541% | 4,840 |
| Net loans and leases to core deposits | 57.8620% | 4,921 |
| Total domestic deposits to total assets | 89.3606% | 719 |
| Equity capital to assets | 10.5379% | 3,333 |
| Core capital (leverage) ratio | 10.5616% | 2,920 |
| Tier 1 risk-based capital ratio | 18.7627% | 1,657 |
| Total risk-based capital ratio | 20.0124% | 1,601 |
| Memoranda: | ||
| Average total assets | $98,254,500 | 4,311 |
| Average earning assets | $94,408,500 | 4,231 |
| Average equity | $9,991,500 | 4,489 |
| Average total loans | $48,315,000 | 4,548 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4757% | 4,822 |
| Cost of funding earning assets | 0.2743% | 4,339 |
| Net interest margin | 3.2014% | 4,417 |
| Noninterest income to average assets | 0.2903% | 4,479 |
| Noninterest expense to average assets | 2.5661% | 3,534 |
| Loan and lease loss provision to assets | 0.1705% | 1,148 |
| Net operating income to assets | 0.6334% | 4,148 |
| Return on assets (ROA) | 0.8425% | 3,237 |
| Pretax return on assets | 0.8425% | 4,121 |
| Return on Equity (ROE) | 8.3855% | 2,837 |
| Retained earnings to average equity (ytd only) | 3.8392% | 3,406 |
| Net charge-offs to loans | 0.0251% | 2,712 |
| Credit loss provision to net charge-offs | 1,400.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 877 |
| Efficiency ratio | 76.1446% | 1,702 |
| Assets per employee ($millions) | 3.6043% | 4,569 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,714 |
| Loan loss allowance to noncurrent loans | 1,418.0000% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 5,017 |
| Noncurrent loans to loans | 0.1031% | 4,716 |
| Net loans and leases to total assets | 49.0942% | 4,761 |
| Net loans and leases to deposits | 54.9535% | 4,910 |
| Net loans and leases to core deposits | 55.8947% | 4,995 |
| Total domestic deposits to total assets | 89.3377% | 792 |
| Equity capital to assets | 10.5616% | 3,270 |
| Core capital (leverage) ratio | 10.3482% | 3,073 |
| Tier 1 risk-based capital ratio | 19.3168% | 1,516 |
| Total risk-based capital ratio | 20.5666% | 1,461 |
| Memoranda: | ||
| Average total assets | $98,513,670 | 4,333 |
| Average earning assets | $94,771,000 | 4,254 |
| Average equity | $9,898,000 | 4,520 |
| Average total loans | $47,766,670 | 4,588 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4539% | 4,820 |
| Cost of funding earning assets | 0.2686% | 4,370 |
| Net interest margin | 3.1853% | 4,388 |
| Noninterest income to average assets | 0.2341% | 4,866 |
| Noninterest expense to average assets | 2.5224% | 3,734 |
| Loan and lease loss provision to assets | 0.1695% | 1,047 |
| Net operating income to assets | 0.6054% | 4,135 |
| Return on assets (ROA) | 0.6054% | 4,190 |
| Pretax return on assets | 0.6054% | 4,717 |
| Return on Equity (ROE) | 6.1805% | 3,818 |
| Retained earnings to average equity (ytd only) | 1.0301% | 4,651 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4994% | 1,833 |
| Assets per employee ($millions) | 3.6883% | 4,517 |
| Cash dividends to net income (ytd only)* | 83.3333% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 1,988 |
| Loan loss allowance to noncurrent loans | 556.1983% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,776 |
| Noncurrent loans to loans | 0.2556% | 4,198 |
| Net loans and leases to total assets | 46.8695% | 4,899 |
| Net loans and leases to deposits | 52.0491% | 5,031 |
| Net loans and leases to core deposits | 52.9940% | 5,107 |
| Total domestic deposits to total assets | 90.0487% | 635 |
| Equity capital to assets | 9.8961% | 3,879 |
| Core capital (leverage) ratio | 10.0472% | 3,436 |
| Tier 1 risk-based capital ratio | 18.0443% | 1,862 |
| Total risk-based capital ratio | 19.2545% | 1,834 |
| Memoranda: | ||
| Average total assets | $99,113,000 | 4,366 |
| Average earning assets | $95,312,500 | 4,286 |
| Average equity | $9,708,000 | 4,587 |
| Average total loans | $47,407,500 | 4,638 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 4,414 |
| Cost of funding earning assets | 0.2792% | 4,261 |
| Net interest margin | 3.3577% | 3,968 |
| Noninterest income to average assets | 0.3480% | 4,244 |
| Noninterest expense to average assets | 2.6936% | 3,360 |
| Loan and lease loss provision to assets | 0.0123% | 4,132 |
| Net operating income to assets | 0.8274% | 3,174 |
| Return on assets (ROA) | 0.9300% | 2,795 |
| Pretax return on assets | 0.9300% | 3,733 |
| Return on Equity (ROE) | 8.5661% | 2,630 |
| Retained earnings to average equity (ytd only) | 2.9877% | 3,771 |
| Net charge-offs to loans | 0.0146% | 3,806 |
| Credit loss provision to net charge-offs | 171.4286% | 1,618 |
| Earnings coverage of net charge-offs (x) | 116.8571% | 517 |
| Efficiency ratio | 76.2347% | 1,945 |
| Assets per employee ($millions) | 3.5229% | 4,729 |
| Cash dividends to net income (ytd only)* | 65.1214% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 2,382 |
| Loan loss allowance to noncurrent loans | 637.3737% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 4,665 |
| Noncurrent loans to loans | 0.2086% | 4,408 |
| Net loans and leases to total assets | 47.4813% | 4,931 |
| Net loans and leases to deposits | 52.6141% | 5,085 |
| Net loans and leases to core deposits | 53.8778% | 5,153 |
| Total domestic deposits to total assets | 90.2444% | 542 |
| Equity capital to assets | 9.6927% | 4,082 |
| Core capital (leverage) ratio | 10.0804% | 3,389 |
| Tier 1 risk-based capital ratio | 17.9396% | 1,867 |
| Total risk-based capital ratio | 19.0703% | 1,857 |
| Memoranda: | ||
| Average total assets | $97,416,200 | 4,396 |
| Average earning assets | $92,413,200 | 4,341 |
| Average equity | $10,576,600 | 4,483 |
| Average total loans | $47,833,600 | 4,639 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,361 |
| Cost of funding earning assets | 0.2819% | 4,280 |
| Net interest margin | 3.3812% | 3,915 |
| Noninterest income to average assets | 0.3474% | 4,302 |
| Noninterest expense to average assets | 2.7487% | 3,185 |
| Loan and lease loss provision to assets | 0.0137% | 3,979 |
| Net operating income to assets | 0.7798% | 3,457 |
| Return on assets (ROA) | 0.8787% | 3,142 |
| Pretax return on assets | 0.8787% | 4,052 |
| Return on Equity (ROE) | 7.8788% | 3,070 |
| Retained earnings to average equity (ytd only) | 3.2623% | 3,951 |
| Net charge-offs to loans | 0.0167% | 3,389 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | 96.3313% | 682 |
| Efficiency ratio | 77.5969% | 1,752 |
| Assets per employee ($millions) | 3.5657% | 4,695 |
| Cash dividends to net income (ytd only)* | 58.5942% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,817 |
| Loan loss allowance to noncurrent loans | 3,150.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 5,096 |
| Noncurrent loans to loans | 0.0405% | 5,204 |
| Net loans and leases to total assets | 50.6549% | 4,771 |
| Net loans and leases to deposits | 57.3055% | 4,918 |
| Net loans and leases to core deposits | 58.5530% | 5,020 |
| Total domestic deposits to total assets | 88.3945% | 1,191 |
| Equity capital to assets | 11.4996% | 2,517 |
| Core capital (leverage) ratio | 10.9234% | 2,535 |
| Tier 1 risk-based capital ratio | 18.4927% | 1,792 |
| Total risk-based capital ratio | 19.6065% | 1,786 |
| Memoranda: | ||
| Average total assets | $97,110,000 | 4,438 |
| Average earning assets | $91,759,750 | 4,388 |
| Average equity | $10,830,500 | 4,495 |
| Average total loans | $47,925,250 | 4,672 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 4,497 |
| Cost of funding earning assets | 0.2782% | 4,372 |
| Net interest margin | 3.3541% | 4,044 |
| Noninterest income to average assets | 0.3142% | 4,529 |
| Noninterest expense to average assets | 2.6964% | 3,406 |
| Loan and lease loss provision to assets | 0.0185% | 3,763 |
| Net operating income to assets | 0.7681% | 3,461 |
| Return on assets (ROA) | 0.8625% | 3,155 |
| Pretax return on assets | 0.8625% | 4,074 |
| Return on Equity (ROE) | 7.8137% | 3,079 |
| Retained earnings to average equity (ytd only) | 3.1627% | 3,888 |
| Net charge-offs to loans | 0.0253% | 2,974 |
| Credit loss provision to net charge-offs | 150.0000% | 1,584 |
| Earnings coverage of net charge-offs (x) | 63.8333% | 840 |
| Efficiency ratio | 77.4175% | 1,868 |
| Assets per employee ($millions) | 3.7682% | 4,326 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,816 |
| Loan loss allowance to noncurrent loans | 511.3821% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 4,184 |
| Noncurrent loans to loans | 0.2532% | 4,445 |
| Net loans and leases to total assets | 48.9421% | 4,914 |
| Net loans and leases to deposits | 55.3063% | 5,062 |
| Net loans and leases to core deposits | 56.2173% | 5,153 |
| Total domestic deposits to total assets | 88.4927% | 1,171 |
| Equity capital to assets | 11.3909% | 2,649 |
| Core capital (leverage) ratio | 10.6699% | 2,766 |
| Tier 1 risk-based capital ratio | 17.8557% | 1,975 |
| Total risk-based capital ratio | 18.9394% | 1,974 |
| Memoranda: | ||
| Average total assets | $97,389,000 | 4,469 |
| Average earning assets | $92,006,330 | 4,422 |
| Average equity | $10,750,330 | 4,534 |
| Average total loans | $47,434,670 | 4,724 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 4,560 |
| Cost of funding earning assets | 0.2753% | 4,442 |
| Net interest margin | 3.3469% | 4,056 |
| Noninterest income to average assets | 0.3254% | 4,407 |
| Noninterest expense to average assets | 2.6324% | 3,649 |
| Loan and lease loss provision to assets | 0.0206% | 3,419 |
| Net operating income to assets | 0.8280% | 3,107 |
| Return on assets (ROA) | 0.9434% | 2,655 |
| Pretax return on assets | 0.9434% | 3,680 |
| Return on Equity (ROE) | 8.6862% | 2,563 |
| Retained earnings to average equity (ytd only) | 3.9448% | 3,517 |
| Net charge-offs to loans | 0.0683% | 1,801 |
| Credit loss provision to net charge-offs | 62.5000% | 1,960 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,286 |
| Efficiency ratio | 75.6213% | 2,227 |
| Assets per employee ($millions) | 4.0805% | 3,811 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,795 |
| Loan loss allowance to noncurrent loans | 177.2727% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 3,378 |
| Noncurrent loans to loans | 0.7453% | 2,971 |
| Net loans and leases to total assets | 47.5902% | 5,000 |
| Net loans and leases to deposits | 53.4926% | 5,131 |
| Net loans and leases to core deposits | 54.2094% | 5,241 |
| Total domestic deposits to total assets | 88.9658% | 1,122 |
| Equity capital to assets | 10.9627% | 2,982 |
| Core capital (leverage) ratio | 10.5694% | 2,884 |
| Tier 1 risk-based capital ratio | 18.5581% | 1,837 |
| Total risk-based capital ratio | 19.6825% | 1,832 |
| Memoranda: | ||
| Average total assets | $97,097,000 | 4,508 |
| Average earning assets | $91,547,500 | 4,468 |
| Average equity | $10,545,500 | 4,574 |
| Average total loans | $46,862,500 | 4,769 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 4,673 |
| Cost of funding earning assets | 0.2872% | 4,396 |
| Net interest margin | 3.3138% | 4,237 |
| Noninterest income to average assets | 0.3182% | 4,621 |
| Noninterest expense to average assets | 2.5400% | 4,104 |
| Loan and lease loss provision to assets | 0.1538% | 1,525 |
| Net operating income to assets | 0.7640% | 3,505 |
| Return on assets (ROA) | 0.8017% | 3,416 |
| Pretax return on assets | 0.8017% | 4,179 |
| Return on Equity (ROE) | 7.4119% | 3,300 |
| Retained earnings to average equity (ytd only) | 2.3319% | 4,398 |
| Net charge-offs to loans | 0.0236% | 3,787 |
| Credit loss provision to net charge-offs | 1,336.3636% | 252 |
| Earnings coverage of net charge-offs (x) | 79.7273% | 702 |
| Efficiency ratio | 73.4564% | 2,664 |
| Assets per employee ($millions) | 4.0109% | 3,922 |
| Cash dividends to net income (ytd only)* | 68.5379% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 2,682 |
| Loan loss allowance to noncurrent loans | 48.8681% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 1.3307% | 1,595 |
| Noncurrent loans to loans | 2.7551% | 633 |
| Net loans and leases to total assets | 47.6502% | 5,050 |
| Net loans and leases to deposits | 53.4348% | 5,192 |
| Net loans and leases to core deposits | 54.1598% | 5,306 |
| Total domestic deposits to total assets | 89.1743% | 1,034 |
| Equity capital to assets | 10.7571% | 3,069 |
| Core capital (leverage) ratio | 10.4843% | 2,951 |
| Tier 1 risk-based capital ratio | 18.1008% | 1,935 |
| Total risk-based capital ratio | 19.2123% | 1,934 |
| Memoranda: | ||
| Average total assets | $95,550,200 | 4,550 |
| Average earning assets | $90,530,000 | 4,497 |
| Average equity | $10,334,800 | 4,593 |
| Average total loans | $46,650,600 | 4,769 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6149% | 4,686 |
| Cost of funding earning assets | 0.2888% | 4,460 |
| Net interest margin | 3.3261% | 4,235 |
| Noninterest income to average assets | 0.3173% | 4,668 |
| Noninterest expense to average assets | 2.5821% | 3,939 |
| Loan and lease loss provision to assets | 0.0098% | 4,076 |
| Net operating income to assets | 0.8807% | 3,037 |
| Return on assets (ROA) | 0.9101% | 3,005 |
| Pretax return on assets | 0.9101% | 3,951 |
| Return on Equity (ROE) | 8.4027% | 2,872 |
| Retained earnings to average equity (ytd only) | 3.5624% | 3,931 |
| Net charge-offs to loans | 0.0086% | 3,867 |
| Credit loss provision to net charge-offs | 233.3333% | 1,195 |
| Earnings coverage of net charge-offs (x) | 212.3275% | 339 |
| Efficiency ratio | 74.3559% | 2,495 |
| Assets per employee ($millions) | 3.9170% | 4,046 |
| Cash dividends to net income (ytd only)* | 57.6039% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 4,529 |
| Loan loss allowance to noncurrent loans | 114.3519% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 3,956 |
| Noncurrent loans to loans | 0.9087% | 2,701 |
| Net loans and leases to total assets | 50.0463% | 4,928 |
| Net loans and leases to deposits | 56.3247% | 5,102 |
| Net loans and leases to core deposits | 57.1193% | 5,247 |
| Total domestic deposits to total assets | 88.8532% | 1,097 |
| Equity capital to assets | 11.0436% | 2,970 |
| Core capital (leverage) ratio | 10.8499% | 2,645 |
| Tier 1 risk-based capital ratio | 18.7184% | 1,847 |
| Total risk-based capital ratio | 19.6223% | 1,893 |
| Memoranda: | ||
| Average total assets | $95,372,250 | 4,611 |
| Average earning assets | $90,474,750 | 4,542 |
| Average equity | $10,329,750 | 4,649 |
| Average total loans | $46,689,500 | 4,821 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 4,775 |
| Cost of funding earning assets | 0.2859% | 4,552 |
| Net interest margin | 3.2947% | 4,321 |
| Noninterest income to average assets | 0.3068% | 4,759 |
| Noninterest expense to average assets | 2.4962% | 4,252 |
| Loan and lease loss provision to assets | 0.0146% | 3,834 |
| Net operating income to assets | 0.9225% | 2,772 |
| Return on assets (ROA) | 0.9267% | 2,870 |
| Pretax return on assets | 0.9267% | 3,857 |
| Return on Equity (ROE) | 8.6111% | 2,746 |
| Retained earnings to average equity (ytd only) | 3.7625% | 3,610 |
| Net charge-offs to loans | 0.0086% | 3,603 |
| Credit loss provision to net charge-offs | 350.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 224.5000% | 309 |
| Efficiency ratio | 72.7052% | 2,897 |
| Assets per employee ($millions) | 3.9425% | 3,993 |
| Cash dividends to net income (ytd only)* | 56.3063% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 4,564 |
| Loan loss allowance to noncurrent loans | 134.1463% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 4,342 |
| Noncurrent loans to loans | 0.7881% | 3,137 |
| Net loans and leases to total assets | 48.9627% | 5,015 |
| Net loans and leases to deposits | 54.7677% | 5,206 |
| Net loans and leases to core deposits | 55.5292% | 5,339 |
| Total domestic deposits to total assets | 89.4006% | 953 |
| Equity capital to assets | 10.4958% | 3,443 |
| Core capital (leverage) ratio | 10.7160% | 2,714 |
| Tier 1 risk-based capital ratio | 18.8246% | 1,833 |
| Total risk-based capital ratio | 19.7429% | 1,890 |
| Memoranda: | ||
| Average total assets | $95,826,670 | 4,637 |
| Average earning assets | $90,934,330 | 4,581 |
| Average equity | $10,312,330 | 4,685 |
| Average total loans | $46,405,330 | 4,877 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 4,873 |
| Cost of funding earning assets | 0.2844% | 4,615 |
| Net interest margin | 3.2508% | 4,417 |
| Noninterest income to average assets | 0.3070% | 4,731 |
| Noninterest expense to average assets | 2.5386% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8504% | 3,007 |
| Return on assets (ROA) | 0.8504% | 3,124 |
| Pretax return on assets | 0.8504% | 4,059 |
| Return on Equity (ROE) | 7.8073% | 3,061 |
| Retained earnings to average equity (ytd only) | 3.0467% | 4,153 |
| Net charge-offs to loans | 0.0087% | 3,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 278 |
| Efficiency ratio | 74.9082% | 2,664 |
| Assets per employee ($millions) | 4.0477% | 3,865 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 4,707 |
| Loan loss allowance to noncurrent loans | 90.7236% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 3,819 |
| Noncurrent loans to loans | 1.1685% | 2,435 |
| Net loans and leases to total assets | 46.9787% | 5,121 |
| Net loans and leases to deposits | 52.5487% | 5,302 |
| Net loans and leases to core deposits | 53.4160% | 5,401 |
| Total domestic deposits to total assets | 89.4003% | 1,045 |
| Equity capital to assets | 10.5328% | 3,497 |
| Core capital (leverage) ratio | 10.3971% | 3,103 |
| Tier 1 risk-based capital ratio | 18.7970% | 1,921 |
| Total risk-based capital ratio | 19.7130% | 1,960 |
| Memoranda: | ||
| Average total assets | $96,430,500 | 4,657 |
| Average earning assets | $91,423,500 | 4,608 |
| Average equity | $10,503,000 | 4,694 |
| Average total loans | $46,196,500 | 4,909 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7054% | 4,767 |
| Cost of funding earning assets | 0.3049% | 4,741 |
| Net interest margin | 3.4006% | 4,199 |
| Noninterest income to average assets | 0.2904% | 5,043 |
| Noninterest expense to average assets | 2.5699% | 4,323 |
| Loan and lease loss provision to assets | 0.0032% | 4,541 |
| Net operating income to assets | 0.9207% | 2,772 |
| Return on assets (ROA) | 0.9492% | 2,719 |
| Pretax return on assets | 0.9492% | 3,692 |
| Return on Equity (ROE) | 9.0003% | 2,583 |
| Retained earnings to average equity (ytd only) | 0.4906% | 5,557 |
| Net charge-offs to loans | 0.0022% | 4,928 |
| Credit loss provision to net charge-offs | 300.0000% | 864 |
| Earnings coverage of net charge-offs (x) | 875.0000% | 50 |
| Efficiency ratio | 73.5570% | 2,915 |
| Assets per employee ($millions) | 3.9882% | 3,983 |
| Cash dividends to net income (ytd only)* | 94.5495% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 4,771 |
| Loan loss allowance to noncurrent loans | 127.2727% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 4,487 |
| Noncurrent loans to loans | 0.8321% | 3,232 |
| Net loans and leases to total assets | 47.8254% | 5,172 |
| Net loans and leases to deposits | 53.9321% | 5,335 |
| Net loans and leases to core deposits | 54.3521% | 5,483 |
| Total domestic deposits to total assets | 88.6770% | 1,422 |
| Equity capital to assets | 11.2561% | 2,646 |
| Core capital (leverage) ratio | 10.4290% | 3,026 |
| Tier 1 risk-based capital ratio | 18.7009% | 1,933 |
| Total risk-based capital ratio | 19.6216% | 1,994 |
| Memoranda: | ||
| Average total assets | $94,712,200 | 4,730 |
| Average earning assets | $89,220,200 | 4,674 |
| Average equity | $9,988,600 | 4,755 |
| Average total loans | $45,857,400 | 4,963 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 4,812 |
| Cost of funding earning assets | 0.3080% | 4,808 |
| Net interest margin | 3.4071% | 4,209 |
| Noninterest income to average assets | 0.2781% | 5,213 |
| Noninterest expense to average assets | 2.5562% | 4,334 |
| Loan and lease loss provision to assets | 0.0042% | 4,330 |
| Net operating income to assets | 0.9189% | 2,824 |
| Return on assets (ROA) | 0.9358% | 2,838 |
| Pretax return on assets | 0.9358% | 3,837 |
| Return on Equity (ROE) | 9.0273% | 2,669 |
| Retained earnings to average equity (ytd only) | 3.9214% | 3,853 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4686% | 2,907 |
| Assets per employee ($millions) | 3.4273% | 5,003 |
| Cash dividends to net income (ytd only)* | 56.5612% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 5,024 |
| Loan loss allowance to noncurrent loans | 115.8019% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 4,522 |
| Noncurrent loans to loans | 0.8997% | 3,313 |
| Net loans and leases to total assets | 50.3998% | 4,960 |
| Net loans and leases to deposits | 56.6146% | 5,198 |
| Net loans and leases to core deposits | 57.2787% | 5,378 |
| Total domestic deposits to total assets | 89.0227% | 1,227 |
| Equity capital to assets | 10.8552% | 3,120 |
| Core capital (leverage) ratio | 10.8711% | 2,607 |
| Tier 1 risk-based capital ratio | 19.9455% | 1,685 |
| Total risk-based capital ratio | 20.9007% | 1,715 |
| Memoranda: | ||
| Average total assets | $94,461,000 | 4,783 |
| Average earning assets | $88,754,750 | 4,734 |
| Average equity | $9,792,250 | 4,828 |
| Average total loans | $45,755,000 | 5,009 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 4,829 |
| Cost of funding earning assets | 0.3119% | 4,855 |
| Net interest margin | 3.3978% | 4,183 |
| Noninterest income to average assets | 0.2713% | 5,264 |
| Noninterest expense to average assets | 2.5152% | 4,540 |
| Loan and lease loss provision to assets | 0.0063% | 4,111 |
| Net operating income to assets | 0.9337% | 2,630 |
| Return on assets (ROA) | 0.9506% | 2,642 |
| Pretax return on assets | 0.9506% | 3,676 |
| Return on Equity (ROE) | 9.3119% | 2,457 |
| Retained earnings to average equity (ytd only) | 4.1615% | 3,522 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7937% | 3,194 |
| Assets per employee ($millions) | 3.6680% | 4,511 |
| Cash dividends to net income (ytd only)* | 55.3097% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,002 |
| Loan loss allowance to noncurrent loans | 114.9883% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 4,659 |
| Noncurrent loans to loans | 0.9354% | 3,377 |
| Net loans and leases to total assets | 47.3492% | 5,230 |
| Net loans and leases to deposits | 52.9776% | 5,428 |
| Net loans and leases to core deposits | 53.5862% | 5,578 |
| Total domestic deposits to total assets | 89.3759% | 1,169 |
| Equity capital to assets | 10.5088% | 3,433 |
| Core capital (leverage) ratio | 10.6718% | 2,752 |
| Tier 1 risk-based capital ratio | 19.9330% | 1,703 |
| Total risk-based capital ratio | 20.8955% | 1,742 |
| Memoranda: | ||
| Average total assets | $95,102,670 | 4,792 |
| Average earning assets | $89,117,670 | 4,748 |
| Average equity | $9,708,000 | 4,863 |
| Average total loans | $45,297,000 | 5,062 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,820 |
| Cost of funding earning assets | 0.3191% | 4,868 |
| Net interest margin | 3.3889% | 4,173 |
| Noninterest income to average assets | 0.2653% | 5,242 |
| Noninterest expense to average assets | 2.4597% | 4,760 |
| Loan and lease loss provision to assets | 0.0126% | 3,666 |
| Net operating income to assets | 0.9687% | 2,325 |
| Return on assets (ROA) | 0.9687% | 2,395 |
| Pretax return on assets | 0.9687% | 3,447 |
| Return on Equity (ROE) | 9.6325% | 2,187 |
| Retained earnings to average equity (ytd only) | 4.3974% | 3,488 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4810% | 3,581 |
| Assets per employee ($millions) | 3.9283% | 4,085 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 5,177 |
| Loan loss allowance to noncurrent loans | 121.5347% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 4,905 |
| Noncurrent loans to loans | 0.8932% | 3,650 |
| Net loans and leases to total assets | 45.5568% | 5,380 |
| Net loans and leases to deposits | 50.6057% | 5,550 |
| Net loans and leases to core deposits | 51.6092% | 5,645 |
| Total domestic deposits to total assets | 90.0231% | 1,066 |
| Equity capital to assets | 9.9127% | 3,949 |
| Core capital (leverage) ratio | 10.4426% | 3,003 |
| Tier 1 risk-based capital ratio | 19.7983% | 1,768 |
| Total risk-based capital ratio | 20.7636% | 1,802 |
| Memoranda: | ||
| Average total assets | $94,970,000 | 4,843 |
| Average earning assets | $88,996,500 | 4,799 |
| Average equity | $9,551,000 | 4,925 |
| Average total loans | $45,122,000 | 5,114 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 4,150 |
| Cost of funding earning assets | 0.3819% | 4,824 |
| Net interest margin | 3.5991% | 3,471 |
| Noninterest income to average assets | 0.2829% | 5,330 |
| Noninterest expense to average assets | 2.6245% | 4,378 |
| Loan and lease loss provision to assets | 0.0325% | 4,466 |
| Net operating income to assets | 0.9464% | 2,582 |
| Return on assets (ROA) | 0.9865% | 2,457 |
| Pretax return on assets | 0.9865% | 3,407 |
| Return on Equity (ROE) | 9.1940% | 2,455 |
| Retained earnings to average equity (ytd only) | 2.8794% | 4,199 |
| Net charge-offs to loans | 0.0935% | 3,914 |
| Credit loss provision to net charge-offs | 69.7674% | 3,313 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,513 |
| Efficiency ratio | 72.8339% | 3,324 |
| Assets per employee ($millions) | 3.3975% | 5,095 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 5,225 |
| Loan loss allowance to noncurrent loans | 86.9875% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 4,405 |
| Noncurrent loans to loans | 1.2463% | 3,049 |
| Net loans and leases to total assets | 48.5376% | 5,237 |
| Net loans and leases to deposits | 54.0995% | 5,457 |
| Net loans and leases to core deposits | 54.7414% | 5,629 |
| Total domestic deposits to total assets | 89.7191% | 1,215 |
| Equity capital to assets | 10.2112% | 3,494 |
| Core capital (leverage) ratio | 10.6670% | 2,709 |
| Tier 1 risk-based capital ratio | 19.7605% | 1,709 |
| Total risk-based capital ratio | 20.7282% | 1,755 |
| Memoranda: | ||
| Average total assets | $92,245,000 | 4,926 |
| Average earning assets | $85,105,000 | 4,905 |
| Average equity | $9,897,800 | 4,874 |
| Average total loans | $45,993,600 | 5,115 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 4,143 |
| Cost of funding earning assets | 0.3928% | 4,881 |
| Net interest margin | 3.6042% | 3,426 |
| Noninterest income to average assets | 0.2742% | 5,481 |
| Noninterest expense to average assets | 2.5606% | 4,513 |
| Loan and lease loss provision to assets | 0.0289% | 4,428 |
| Net operating income to assets | 0.9959% | 2,391 |
| Return on assets (ROA) | 1.0104% | 2,422 |
| Pretax return on assets | 1.0104% | 3,468 |
| Return on Equity (ROE) | 9.3047% | 2,489 |
| Retained earnings to average equity (ytd only) | 3.6555% | 4,096 |
| Net charge-offs to loans | 0.1240% | 3,297 |
| Credit loss provision to net charge-offs | 46.5116% | 3,586 |
| Earnings coverage of net charge-offs (x) | 16.5121% | 1,801 |
| Efficiency ratio | 71.4171% | 3,529 |
| Assets per employee ($millions) | 3.3507% | 5,183 |
| Cash dividends to net income (ytd only)* | 60.7140% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 5,542 |
| Loan loss allowance to noncurrent loans | 105.0549% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 4,941 |
| Noncurrent loans to loans | 0.9947% | 3,817 |
| Net loans and leases to total assets | 50.0343% | 5,128 |
| Net loans and leases to deposits | 56.2068% | 5,358 |
| Net loans and leases to core deposits | 57.0951% | 5,518 |
| Total domestic deposits to total assets | 89.0182% | 1,539 |
| Equity capital to assets | 10.8491% | 2,917 |
| Core capital (leverage) ratio | 10.7757% | 2,695 |
| Tier 1 risk-based capital ratio | 19.7771% | 1,792 |
| Total risk-based capital ratio | 20.7266% | 1,838 |
| Memoranda: | ||
| Average total assets | $92,373,000 | 4,966 |
| Average earning assets | $84,860,750 | 4,955 |
| Average equity | $10,030,500 | 4,896 |
| Average total loans | $46,238,750 | 5,150 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 4,120 |
| Cost of funding earning assets | 0.3996% | 4,952 |
| Net interest margin | 3.5986% | 3,360 |
| Noninterest income to average assets | 0.2645% | 5,562 |
| Noninterest expense to average assets | 2.5288% | 4,634 |
| Loan and lease loss provision to assets | 0.0215% | 4,468 |
| Net operating income to assets | 1.0064% | 2,307 |
| Return on assets (ROA) | 1.0279% | 2,327 |
| Pretax return on assets | 1.0279% | 3,384 |
| Return on Equity (ROE) | 9.4632% | 2,429 |
| Retained earnings to average equity (ytd only) | 3.5239% | 4,078 |
| Net charge-offs to loans | 0.1853% | 2,643 |
| Credit loss provision to net charge-offs | 23.2558% | 3,687 |
| Earnings coverage of net charge-offs (x) | 11.1163% | 2,082 |
| Efficiency ratio | 71.1004% | 3,628 |
| Assets per employee ($millions) | 3.4083% | 5,041 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 5,766 |
| Loan loss allowance to noncurrent loans | 229.4118% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 5,826 |
| Noncurrent loans to loans | 0.4417% | 5,159 |
| Net loans and leases to total assets | 49.6794% | 5,141 |
| Net loans and leases to deposits | 55.5512% | 5,384 |
| Net loans and leases to core deposits | 56.7885% | 5,540 |
| Total domestic deposits to total assets | 89.4299% | 1,361 |
| Equity capital to assets | 10.4451% | 3,376 |
| Core capital (leverage) ratio | 10.5480% | 2,820 |
| Tier 1 risk-based capital ratio | 19.4201% | 1,877 |
| Total risk-based capital ratio | 20.3420% | 1,933 |
| Memoranda: | ||
| Average total assets | $93,008,000 | 4,986 |
| Average earning assets | $85,088,330 | 4,979 |
| Average equity | $10,102,330 | 4,919 |
| Average total loans | $46,404,000 | 5,163 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 4,267 |
| Cost of funding earning assets | 0.4077% | 5,032 |
| Net interest margin | 3.5523% | 3,467 |
| Noninterest income to average assets | 0.2439% | 5,712 |
| Noninterest expense to average assets | 2.3829% | 5,175 |
| Loan and lease loss provision to assets | 0.0299% | 4,081 |
| Net operating income to assets | 1.0738% | 1,956 |
| Return on assets (ROA) | 1.1166% | 1,902 |
| Pretax return on assets | 1.1166% | 2,894 |
| Return on Equity (ROE) | 10.0894% | 2,029 |
| Retained earnings to average equity (ytd only) | 4.2909% | 3,649 |
| Net charge-offs to loans | 0.3612% | 1,553 |
| Credit loss provision to net charge-offs | 16.6667% | 3,086 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 2,266 |
| Efficiency ratio | 68.3436% | 4,246 |
| Assets per employee ($millions) | 3.5560% | 4,874 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 5,954 |
| Loan loss allowance to noncurrent loans | 284.1463% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 6,061 |
| Noncurrent loans to loans | 0.3550% | 5,507 |
| Net loans and leases to total assets | 47.6320% | 5,264 |
| Net loans and leases to deposits | 53.4152% | 5,484 |
| Net loans and leases to core deposits | 54.5559% | 5,634 |
| Total domestic deposits to total assets | 89.1731% | 1,583 |
| Equity capital to assets | 10.7498% | 3,261 |
| Core capital (leverage) ratio | 10.3928% | 2,912 |
| Tier 1 risk-based capital ratio | 19.2151% | 1,975 |
| Total risk-based capital ratio | 20.1295% | 2,051 |
| Memoranda: | ||
| Average total assets | $93,500,000 | 5,010 |
| Average earning assets | $85,354,000 | 5,003 |
| Average equity | $10,347,500 | 4,919 |
| Average total loans | $46,513,500 | 5,197 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 4,741 |
| Cost of funding earning assets | 0.4731% | 5,398 |
| Net interest margin | 3.6850% | 3,714 |
| Noninterest income to average assets | 0.2028% | 5,966 |
| Noninterest expense to average assets | 2.4990% | 5,095 |
| Loan and lease loss provision to assets | 0.0252% | 5,576 |
| Net operating income to assets | 0.9996% | 2,335 |
| Return on assets (ROA) | 1.0007% | 2,554 |
| Pretax return on assets | 1.0007% | 3,546 |
| Return on Equity (ROE) | 8.8095% | 2,729 |
| Retained earnings to average equity (ytd only) | 2.0552% | 4,779 |
| Net charge-offs to loans | 0.0109% | 5,774 |
| Credit loss provision to net charge-offs | 460.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 220 |
| Efficiency ratio | 70.9176% | 3,635 |
| Assets per employee ($millions) | 3.2496% | 5,514 |
| Cash dividends to net income (ytd only)* | 76.6703% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 5,675 |
| Loan loss allowance to noncurrent loans | 385.3846% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 6,210 |
| Noncurrent loans to loans | 0.2776% | 5,789 |
| Net loans and leases to total assets | 50.9160% | 5,048 |
| Net loans and leases to deposits | 57.5560% | 5,287 |
| Net loans and leases to core deposits | 58.2471% | 5,520 |
| Total domestic deposits to total assets | 88.4634% | 1,916 |
| Equity capital to assets | 11.4014% | 2,538 |
| Core capital (leverage) ratio | 10.4563% | 2,822 |
| Tier 1 risk-based capital ratio | 18.9737% | 1,963 |
| Total risk-based capital ratio | 19.9557% | 2,011 |
| Memoranda: | ||
| Average total assets | $91,238,000 | 5,045 |
| Average earning assets | $82,225,600 | 5,063 |
| Average equity | $10,363,800 | 4,899 |
| Average total loans | $46,026,200 | 5,250 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 5,035 |
| Cost of funding earning assets | 0.4824% | 5,553 |
| Net interest margin | 3.6586% | 3,968 |
| Noninterest income to average assets | 0.1431% | 6,429 |
| Noninterest expense to average assets | 2.4388% | 5,276 |
| Loan and lease loss provision to assets | 0.0336% | 5,354 |
| Net operating income to assets | 0.9711% | 2,652 |
| Return on assets (ROA) | 0.9726% | 2,870 |
| Pretax return on assets | 0.9726% | 3,812 |
| Return on Equity (ROE) | 8.5702% | 3,009 |
| Retained earnings to average equity (ytd only) | 2.7795% | 4,884 |
| Net charge-offs to loans | 0.0146% | 5,490 |
| Credit loss provision to net charge-offs | 460.0000% | 581 |
| Earnings coverage of net charge-offs (x) | 137.5277% | 324 |
| Efficiency ratio | 70.8227% | 3,529 |
| Assets per employee ($millions) | 3.4915% | 4,993 |
| Cash dividends to net income (ytd only)* | 67.5680% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 5,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.4579% | 5,120 |
| Net loans and leases to deposits | 58.2740% | 5,401 |
| Net loans and leases to core deposits | 59.1536% | 5,640 |
| Total domestic deposits to total assets | 88.3035% | 1,848 |
| Equity capital to assets | 11.5677% | 2,683 |
| Core capital (leverage) ratio | 10.7903% | 2,616 |
| Tier 1 risk-based capital ratio | 20.3028% | 1,687 |
| Total risk-based capital ratio | 21.3532% | 1,702 |
| Memoranda: | ||
| Average total assets | $91,300,250 | 5,094 |
| Average earning assets | $82,360,500 | 5,109 |
| Average equity | $10,361,250 | 4,952 |
| Average total loans | $45,825,500 | 5,314 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 5,152 |
| Cost of funding earning assets | 0.4883% | 5,694 |
| Net interest margin | 3.6551% | 4,012 |
| Noninterest income to average assets | 0.1465% | 6,463 |
| Noninterest expense to average assets | 2.4072% | 5,433 |
| Loan and lease loss provision to assets | 0.0503% | 5,044 |
| Net operating income to assets | 0.9948% | 2,491 |
| Return on assets (ROA) | 0.9970% | 2,701 |
| Pretax return on assets | 0.9970% | 3,721 |
| Return on Equity (ROE) | 8.8418% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.0248% | 4,626 |
| Net charge-offs to loans | 0.0265% | 5,012 |
| Credit loss provision to net charge-offs | 383.3333% | 779 |
| Earnings coverage of net charge-offs (x) | 79.6667% | 511 |
| Efficiency ratio | 69.7277% | 3,809 |
| Assets per employee ($millions) | 3.4823% | 5,018 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 5,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 6,627 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 49.8680% | 5,372 |
| Net loans and leases to deposits | 56.4058% | 5,605 |
| Net loans and leases to core deposits | 57.2570% | 5,836 |
| Total domestic deposits to total assets | 88.4094% | 1,875 |
| Equity capital to assets | 11.4658% | 2,621 |
| Core capital (leverage) ratio | 10.6586% | 2,651 |
| Tier 1 risk-based capital ratio | 19.8126% | 1,752 |
| Total risk-based capital ratio | 20.8421% | 1,791 |
| Memoranda: | ||
| Average total assets | $91,474,000 | 5,120 |
| Average earning assets | $82,732,670 | 5,134 |
| Average equity | $10,314,670 | 4,960 |
| Average total loans | $45,362,670 | 5,363 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 5,464 |
| Cost of funding earning assets | 0.5032% | 5,792 |
| Net interest margin | 3.5945% | 4,295 |
| Noninterest income to average assets | 0.2088% | 6,128 |
| Noninterest expense to average assets | 2.2362% | 5,950 |
| Loan and lease loss provision to assets | 0.0653% | 4,605 |
| Net operating income to assets | 1.1703% | 1,824 |
| Return on assets (ROA) | 1.1747% | 1,999 |
| Pretax return on assets | 1.1747% | 3,009 |
| Return on Equity (ROE) | 10.5043% | 2,230 |
| Retained earnings to average equity (ytd only) | 4.6686% | 3,766 |
| Net charge-offs to loans | -0.0088% | 5,911 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4110% | 4,851 |
| Assets per employee ($millions) | 3.8507% | 4,319 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,904 |
| Loan loss allowance to noncurrent loans | 201.2097% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 6,112 |
| Noncurrent loans to loans | 0.5470% | 5,563 |
| Net loans and leases to total assets | 48.5165% | 5,484 |
| Net loans and leases to deposits | 54.6533% | 5,737 |
| Net loans and leases to core deposits | 55.4556% | 5,952 |
| Total domestic deposits to total assets | 88.7714% | 1,835 |
| Equity capital to assets | 11.1528% | 2,755 |
| Core capital (leverage) ratio | 10.4868% | 2,764 |
| Tier 1 risk-based capital ratio | 19.8628% | 1,740 |
| Total risk-based capital ratio | 20.8968% | 1,767 |
| Memoranda: | ||
| Average total assets | $91,941,500 | 5,154 |
| Average earning assets | $83,461,500 | 5,159 |
| Average equity | $10,281,500 | 4,976 |
| Average total loans | $45,219,000 | 5,407 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 5,477 |
| Cost of funding earning assets | 0.6605% | 5,765 |
| Net interest margin | 3.7262% | 4,171 |
| Noninterest income to average assets | 0.2617% | 5,664 |
| Noninterest expense to average assets | 2.5301% | 5,351 |
| Loan and lease loss provision to assets | 0.1444% | 4,806 |
| Net operating income to assets | 1.0107% | 2,162 |
| Return on assets (ROA) | 1.0163% | 2,286 |
| Pretax return on assets | 1.0163% | 3,181 |
| Return on Equity (ROE) | 9.0728% | 2,413 |
| Retained earnings to average equity (ytd only) | 2.0240% | 4,772 |
| Net charge-offs to loans | 0.2853% | 3,990 |
| Credit loss provision to net charge-offs | 99.2248% | 3,607 |
| Earnings coverage of net charge-offs (x) | 7.9380% | 2,236 |
| Efficiency ratio | 68.6563% | 4,220 |
| Assets per employee ($millions) | 3.5180% | 4,976 |
| Cash dividends to net income (ytd only)* | 77.6915% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 5,923 |
| Loan loss allowance to noncurrent loans | 230.0000% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 6,280 |
| Noncurrent loans to loans | 0.4656% | 5,780 |
| Net loans and leases to total assets | 48.7815% | 5,744 |
| Net loans and leases to deposits | 54.9779% | 5,982 |
| Net loans and leases to core deposits | 55.7926% | 6,170 |
| Total domestic deposits to total assets | 88.7293% | 1,701 |
| Equity capital to assets | 11.2128% | 2,779 |
| Core capital (leverage) ratio | 10.4271% | 2,817 |
| Tier 1 risk-based capital ratio | 19.6803% | 1,705 |
| Total risk-based capital ratio | 20.6844% | 1,754 |
| Memoranda: | ||
| Average total assets | $88,653,200 | 5,216 |
| Average earning assets | $81,449,600 | 5,187 |
| Average equity | $9,930,800 | 5,040 |
| Average total loans | $45,215,200 | 5,459 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 5,545 |
| Cost of funding earning assets | 0.6921% | 5,816 |
| Net interest margin | 3.7270% | 4,216 |
| Noninterest income to average assets | 0.2638% | 5,730 |
| Noninterest expense to average assets | 2.5271% | 5,365 |
| Loan and lease loss provision to assets | 0.1031% | 5,157 |
| Net operating income to assets | 1.0703% | 2,070 |
| Return on assets (ROA) | 1.0703% | 2,214 |
| Pretax return on assets | 1.0703% | 3,128 |
| Return on Equity (ROE) | 9.5569% | 2,364 |
| Retained earnings to average equity (ytd only) | 3.4654% | 4,271 |
| Net charge-offs to loans | 0.2446% | 3,897 |
| Credit loss provision to net charge-offs | 81.9277% | 4,079 |
| Earnings coverage of net charge-offs (x) | 9.3256% | 2,063 |
| Efficiency ratio | 68.2917% | 4,260 |
| Assets per employee ($millions) | 3.2535% | 5,563 |
| Cash dividends to net income (ytd only)* | 63.7399% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 6,168 |
| Loan loss allowance to noncurrent loans | 369.2913% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 6,581 |
| Noncurrent loans to loans | 0.2762% | 6,317 |
| Net loans and leases to total assets | 51.8140% | 5,471 |
| Net loans and leases to deposits | 58.8465% | 5,761 |
| Net loans and leases to core deposits | 59.7974% | 6,009 |
| Total domestic deposits to total assets | 88.0494% | 2,011 |
| Equity capital to assets | 11.8174% | 2,400 |
| Core capital (leverage) ratio | 10.8149% | 2,562 |
| Tier 1 risk-based capital ratio | 19.9443% | 1,700 |
| Total risk-based capital ratio | 20.9266% | 1,737 |
| Memoranda: | ||
| Average total assets | $87,949,750 | 5,275 |
| Average earning assets | $81,098,750 | 5,236 |
| Average equity | $9,849,500 | 5,079 |
| Average total loans | $45,243,500 | 5,503 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 5,974 |
| Cost of funding earning assets | 0.7169% | 5,855 |
| Net interest margin | 3.5966% | 4,735 |
| Noninterest income to average assets | 0.2546% | 5,828 |
| Noninterest expense to average assets | 2.5414% | 5,388 |
| Loan and lease loss provision to assets | 0.1091% | 4,936 |
| Net operating income to assets | 0.9456% | 2,455 |
| Return on assets (ROA) | 0.9456% | 2,547 |
| Pretax return on assets | 0.9456% | 3,448 |
| Return on Equity (ROE) | 8.6019% | 2,678 |
| Retained earnings to average equity (ytd only) | 2.3986% | 4,763 |
| Net charge-offs to loans | 0.1600% | 4,216 |
| Credit loss provision to net charge-offs | 133.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,594 |
| Efficiency ratio | 70.6700% | 3,995 |
| Assets per employee ($millions) | 3.3864% | 5,239 |
| Cash dividends to net income (ytd only)* | 72.1154% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 5,945 |
| Loan loss allowance to noncurrent loans | 491.0891% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 6,811 |
| Noncurrent loans to loans | 0.2246% | 6,456 |
| Net loans and leases to total assets | 50.5100% | 5,749 |
| Net loans and leases to deposits | 57.0790% | 6,042 |
| Net loans and leases to core deposits | 57.9916% | 6,272 |
| Total domestic deposits to total assets | 88.4912% | 1,860 |
| Equity capital to assets | 11.3736% | 2,622 |
| Core capital (leverage) ratio | 10.6218% | 2,597 |
| Tier 1 risk-based capital ratio | 19.2246% | 1,779 |
| Total risk-based capital ratio | 20.2410% | 1,815 |
| Memoranda: | ||
| Average total assets | $87,984,670 | 5,314 |
| Average earning assets | $81,743,000 | 5,273 |
| Average equity | $9,672,330 | 5,133 |
| Average total loans | $44,996,330 | 5,559 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 6,157 |
| Cost of funding earning assets | 0.7414% | 5,915 |
| Net interest margin | 3.5058% | 4,984 |
| Noninterest income to average assets | 0.2592% | 5,819 |
| Noninterest expense to average assets | 2.4740% | 5,651 |
| Loan and lease loss provision to assets | 0.1728% | 3,899 |
| Net operating income to assets | 0.8595% | 2,740 |
| Return on assets (ROA) | 0.8595% | 2,803 |
| Pretax return on assets | 0.8595% | 3,664 |
| Return on Equity (ROE) | 7.9566% | 2,932 |
| Retained earnings to average equity (ytd only) | 1.6418% | 5,131 |
| Net charge-offs to loans | 0.4177% | 2,433 |
| Credit loss provision to net charge-offs | 80.8511% | 3,142 |
| Earnings coverage of net charge-offs (x) | 4.8298% | 2,390 |
| Efficiency ratio | 70.5577% | 4,150 |
| Assets per employee ($millions) | 3.4183% | 5,196 |
| Cash dividends to net income (ytd only)* | 79.3651% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 6,245 |
| Loan loss allowance to noncurrent loans | 470.2970% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 6,884 |
| Noncurrent loans to loans | 0.2216% | 6,537 |
| Net loans and leases to total assets | 50.7454% | 5,745 |
| Net loans and leases to deposits | 56.8753% | 6,042 |
| Net loans and leases to core deposits | 57.5562% | 6,299 |
| Total domestic deposits to total assets | 89.2222% | 1,638 |
| Equity capital to assets | 10.6766% | 3,010 |
| Core capital (leverage) ratio | 10.4247% | 2,677 |
| Tier 1 risk-based capital ratio | 18.9922% | 1,805 |
| Total risk-based capital ratio | 19.9616% | 1,848 |
| Memoranda: | ||
| Average total assets | $87,954,000 | 5,355 |
| Average earning assets | $81,464,500 | 5,316 |
| Average equity | $9,501,500 | 5,177 |
| Average total loans | $45,010,500 | 5,610 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 5,939 |
| Cost of funding earning assets | 0.9880% | 5,749 |
| Net interest margin | 3.6669% | 4,505 |
| Noninterest income to average assets | 0.2860% | 5,736 |
| Noninterest expense to average assets | 2.6632% | 5,159 |
| Loan and lease loss provision to assets | 0.3378% | 4,122 |
| Net operating income to assets | 0.6743% | 3,324 |
| Return on assets (ROA) | 0.7108% | 3,321 |
| Pretax return on assets | 0.7108% | 3,938 |
| Return on Equity (ROE) | 6.2326% | 3,494 |
| Retained earnings to average equity (ytd only) | 0.7636% | 5,170 |
| Net charge-offs to loans | 0.7465% | 2,781 |
| Credit loss provision to net charge-offs | 83.1884% | 5,429 |
| Earnings coverage of net charge-offs (x) | 2.4928% | 3,871 |
| Efficiency ratio | 72.4624% | 3,711 |
| Assets per employee ($millions) | 3.3473% | 5,316 |
| Cash dividends to net income (ytd only)* | 87.7483% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 5,992 |
| Loan loss allowance to noncurrent loans | 310.2564% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 6,783 |
| Noncurrent loans to loans | 0.3510% | 6,357 |
| Net loans and leases to total assets | 50.5119% | 6,117 |
| Net loans and leases to deposits | 56.7642% | 6,373 |
| Net loans and leases to core deposits | 57.7872% | 6,578 |
| Total domestic deposits to total assets | 88.9855% | 1,671 |
| Equity capital to assets | 10.9317% | 2,747 |
| Core capital (leverage) ratio | 10.0738% | 3,000 |
| Tier 1 risk-based capital ratio | 18.5777% | 1,821 |
| Total risk-based capital ratio | 19.5481% | 1,866 |
| Memoranda: | ||
| Average total assets | $84,972,800 | 5,441 |
| Average earning assets | $78,541,400 | 5,397 |
| Average equity | $9,691,000 | 5,210 |
| Average total loans | $46,214,200 | 5,633 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 5,912 |
| Cost of funding earning assets | 1.0357% | 5,773 |
| Net interest margin | 3.6949% | 4,429 |
| Noninterest income to average assets | 0.2857% | 5,830 |
| Noninterest expense to average assets | 2.6616% | 5,050 |
| Loan and lease loss provision to assets | 0.1042% | 5,995 |
| Net operating income to assets | 0.9330% | 2,486 |
| Return on assets (ROA) | 0.9819% | 2,412 |
| Pretax return on assets | 0.9819% | 3,246 |
| Return on Equity (ROE) | 8.5186% | 2,682 |
| Retained earnings to average equity (ytd only) | 3.3143% | 4,118 |
| Net charge-offs to loans | 0.1829% | 4,861 |
| Credit loss provision to net charge-offs | 103.1250% | 4,165 |
| Earnings coverage of net charge-offs (x) | 10.2658% | 1,905 |
| Efficiency ratio | 71.9590% | 3,705 |
| Assets per employee ($millions) | 3.3182% | 5,405 |
| Cash dividends to net income (ytd only)* | 61.0930% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 5,624 |
| Loan loss allowance to noncurrent loans | 1,431.5789% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 7,237 |
| Noncurrent loans to loans | 0.0818% | 7,032 |
| Net loans and leases to total assets | 53.2391% | 5,952 |
| Net loans and leases to deposits | 60.3609% | 6,281 |
| Net loans and leases to core deposits | 61.1289% | 6,531 |
| Total domestic deposits to total assets | 88.2014% | 1,855 |
| Equity capital to assets | 11.6537% | 2,405 |
| Core capital (leverage) ratio | 11.0244% | 2,240 |
| Tier 1 risk-based capital ratio | 18.4539% | 1,879 |
| Total risk-based capital ratio | 19.5180% | 1,899 |
| Memoranda: | ||
| Average total assets | $84,458,250 | 5,523 |
| Average earning assets | $78,016,000 | 5,482 |
| Average equity | $9,735,250 | 5,274 |
| Average total loans | $46,656,500 | 5,692 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 5,915 |
| Cost of funding earning assets | 1.0645% | 5,848 |
| Net interest margin | 3.6987% | 4,374 |
| Noninterest income to average assets | 0.3077% | 5,694 |
| Noninterest expense to average assets | 2.7500% | 4,701 |
| Loan and lease loss provision to assets | 0.1312% | 5,572 |
| Net operating income to assets | 0.8491% | 2,734 |
| Return on assets (ROA) | 0.9159% | 2,596 |
| Pretax return on assets | 0.9159% | 3,431 |
| Return on Equity (ROE) | 7.9759% | 2,893 |
| Retained earnings to average equity (ytd only) | 3.1987% | 4,073 |
| Net charge-offs to loans | 0.1327% | 4,884 |
| Credit loss provision to net charge-offs | 177.4194% | 2,210 |
| Earnings coverage of net charge-offs (x) | 13.2581% | 1,601 |
| Efficiency ratio | 73.7212% | 3,525 |
| Assets per employee ($millions) | 3.1666% | 5,749 |
| Cash dividends to net income (ytd only)* | 59.8958% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 5,374 |
| Loan loss allowance to noncurrent loans | 158.9888% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 6,219 |
| Noncurrent loans to loans | 0.7647% | 5,745 |
| Net loans and leases to total assets | 53.7901% | 6,015 |
| Net loans and leases to deposits | 60.8245% | 6,329 |
| Net loans and leases to core deposits | 61.3527% | 6,608 |
| Total domestic deposits to total assets | 88.4350% | 1,768 |
| Equity capital to assets | 11.4200% | 2,507 |
| Core capital (leverage) ratio | 11.0068% | 2,239 |
| Tier 1 risk-based capital ratio | 18.5088% | 1,829 |
| Total risk-based capital ratio | 19.6297% | 1,835 |
| Memoranda: | ||
| Average total assets | $83,853,330 | 5,567 |
| Average earning assets | $77,595,000 | 5,528 |
| Average equity | $9,629,000 | 5,307 |
| Average total loans | $46,717,000 | 5,730 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 6,144 |
| Cost of funding earning assets | 1.1014% | 5,904 |
| Net interest margin | 3.6264% | 4,592 |
| Noninterest income to average assets | 0.3035% | 5,723 |
| Noninterest expense to average assets | 2.6834% | 4,981 |
| Loan and lease loss provision to assets | 0.1831% | 4,682 |
| Net operating income to assets | 0.7997% | 2,962 |
| Return on assets (ROA) | 0.9346% | 2,479 |
| Pretax return on assets | 0.9346% | 3,328 |
| Return on Equity (ROE) | 8.1159% | 2,827 |
| Retained earnings to average equity (ytd only) | 4.7691% | 3,285 |
| Net charge-offs to loans | 0.1709% | 3,897 |
| Credit loss provision to net charge-offs | 190.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 1,765 |
| Efficiency ratio | 73.1932% | 3,727 |
| Assets per employee ($millions) | 3.1680% | 5,841 |
| Cash dividends to net income (ytd only)* | 41.2371% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 5,563 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 7,187 |
| Noncurrent loans to loans | 0.0679% | 7,224 |
| Net loans and leases to total assets | 54.4817% | 5,965 |
| Net loans and leases to deposits | 61.4227% | 6,331 |
| Net loans and leases to core deposits | 62.1584% | 6,588 |
| Total domestic deposits to total assets | 88.6996% | 1,676 |
| Equity capital to assets | 11.1893% | 2,598 |
| Core capital (leverage) ratio | 11.3387% | 2,009 |
| Tier 1 risk-based capital ratio | 19.0105% | 1,722 |
| Total risk-based capital ratio | 20.1544% | 1,700 |
| Memoranda: | ||
| Average total assets | $83,030,500 | 5,664 |
| Average earning assets | $76,991,000 | 5,600 |
| Average equity | $9,561,500 | 5,356 |
| Average total loans | $46,797,500 | 5,807 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 6,031 |
| Cost of funding earning assets | 1.4824% | 5,584 |
| Net interest margin | 3.6313% | 4,426 |
| Noninterest income to average assets | 0.2354% | 6,418 |
| Noninterest expense to average assets | 2.7969% | 4,987 |
| Loan and lease loss provision to assets | 0.1806% | 5,893 |
| Net operating income to assets | 0.6500% | 3,134 |
| Return on assets (ROA) | 0.6936% | 3,031 |
| Pretax return on assets | 0.6936% | 3,596 |
| Return on Equity (ROE) | 5.9020% | 3,254 |
| Retained earnings to average equity (ytd only) | 1.9285% | 3,747 |
| Net charge-offs to loans | 0.3732% | 4,345 |
| Credit loss provision to net charge-offs | 83.8150% | 6,195 |
| Earnings coverage of net charge-offs (x) | 3.8555% | 3,170 |
| Efficiency ratio | 77.1026% | 3,347 |
| Assets per employee ($millions) | 2.8759% | 6,501 |
| Cash dividends to net income (ytd only)* | 67.3250% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 5,546 |
| Loan loss allowance to noncurrent loans | 2,258.3333% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 7,203 |
| Noncurrent loans to loans | 0.0517% | 7,298 |
| Net loans and leases to total assets | 56.9905% | 5,819 |
| Net loans and leases to deposits | 64.7675% | 6,179 |
| Net loans and leases to core deposits | 74.6972% | 6,492 |
| Total domestic deposits to total assets | 87.9924% | 1,979 |
| Equity capital to assets | 11.8623% | 2,103 |
| Core capital (leverage) ratio | 11.4350% | 1,952 |
| Tier 1 risk-based capital ratio | 18.9070% | 1,672 |
| Total risk-based capital ratio | 20.0218% | 1,665 |
| Memoranda: | ||
| Average total assets | $80,302,600 | 5,721 |
| Average earning assets | $75,014,200 | 5,639 |
| Average equity | $9,437,400 | 5,469 |
| Average total loans | $46,350,800 | 5,828 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 6,057 |
| Cost of funding earning assets | 1.5529% | 5,618 |
| Net interest margin | 3.6091% | 4,444 |
| Noninterest income to average assets | 0.2226% | 6,635 |
| Noninterest expense to average assets | 2.7647% | 5,043 |
| Loan and lease loss provision to assets | 0.1412% | 5,946 |
| Net operating income to assets | 0.6879% | 3,251 |
| Return on assets (ROA) | 0.7394% | 3,130 |
| Pretax return on assets | 0.7394% | 3,736 |
| Return on Equity (ROE) | 6.3060% | 3,393 |
| Retained earnings to average equity (ytd only) | 2.7633% | 3,789 |
| Net charge-offs to loans | 0.4058% | 3,633 |
| Credit loss provision to net charge-offs | 60.2837% | 6,167 |
| Earnings coverage of net charge-offs (x) | 3.5389% | 3,489 |
| Efficiency ratio | 76.9302% | 3,332 |
| Assets per employee ($millions) | 2.7781% | 6,685 |
| Cash dividends to net income (ytd only)* | 56.1805% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 5,791 |
| Loan loss allowance to noncurrent loans | 1,658.0645% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 6,805 |
| Noncurrent loans to loans | 0.0657% | 7,339 |
| Net loans and leases to total assets | 59.9565% | 5,585 |
| Net loans and leases to deposits | 68.4800% | 6,088 |
| Net loans and leases to core deposits | 78.5909% | 6,445 |
| Total domestic deposits to total assets | 87.5534% | 1,862 |
| Equity capital to assets | 12.2590% | 2,093 |
| Core capital (leverage) ratio | 11.4466% | 2,101 |
| Tier 1 risk-based capital ratio | 18.7124% | 1,812 |
| Total risk-based capital ratio | 19.7573% | 1,811 |
| Memoranda: | ||
| Average total assets | $80,247,250 | 5,756 |
| Average earning assets | $74,956,750 | 5,672 |
| Average equity | $9,408,750 | 5,518 |
| Average total loans | $46,330,250 | 5,870 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 6,341 |
| Cost of funding earning assets | 1.6053% | 5,722 |
| Net interest margin | 3.5190% | 4,710 |
| Noninterest income to average assets | 0.2911% | 6,192 |
| Noninterest expense to average assets | 2.7755% | 5,063 |
| Loan and lease loss provision to assets | 0.0617% | 6,600 |
| Net operating income to assets | 0.7475% | 3,052 |
| Return on assets (ROA) | 0.7771% | 3,047 |
| Pretax return on assets | 0.7771% | 3,754 |
| Return on Equity (ROE) | 6.7262% | 3,320 |
| Retained earnings to average equity (ytd only) | 2.9894% | 3,658 |
| Net charge-offs to loans | 0.8338% | 2,026 |
| Credit loss provision to net charge-offs | 13.0208% | 6,171 |
| Earnings coverage of net charge-offs (x) | 1.7083% | 4,275 |
| Efficiency ratio | 77.4260% | 3,433 |
| Assets per employee ($millions) | 2.9478% | 6,273 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 6,863 |
| Loan loss allowance to noncurrent loans | 114.4886% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 6,010 |
| Noncurrent loans to loans | 0.7660% | 5,705 |
| Net loans and leases to total assets | 55.1874% | 6,320 |
| Net loans and leases to deposits | 62.4897% | 6,704 |
| Net loans and leases to core deposits | 71.4914% | 6,934 |
| Total domestic deposits to total assets | 88.3143% | 1,618 |
| Equity capital to assets | 11.4482% | 2,573 |
| Core capital (leverage) ratio | 11.1338% | 2,309 |
| Tier 1 risk-based capital ratio | 18.2482% | 1,945 |
| Total risk-based capital ratio | 19.0519% | 2,015 |
| Memoranda: | ||
| Average total assets | $81,067,000 | 5,760 |
| Average earning assets | $75,873,000 | 5,676 |
| Average equity | $9,366,330 | 5,558 |
| Average total loans | $46,056,000 | 5,929 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 6,369 |
| Cost of funding earning assets | 1.7253% | 5,489 |
| Net interest margin | 3.4559% | 4,911 |
| Noninterest income to average assets | 0.2639% | 6,341 |
| Noninterest expense to average assets | 2.6490% | 5,224 |
| Loan and lease loss provision to assets | 0.0448% | 6,409 |
| Net operating income to assets | 0.7917% | 3,163 |
| Return on assets (ROA) | 0.8017% | 3,282 |
| Pretax return on assets | 0.8017% | 4,069 |
| Return on Equity (ROE) | 6.9062% | 3,631 |
| Retained earnings to average equity (ytd only) | 2.6166% | 4,430 |
| Net charge-offs to loans | 1.1712% | 1,177 |
| Credit loss provision to net charge-offs | 6.6667% | 5,220 |
| Earnings coverage of net charge-offs (x) | 1.2444% | 4,125 |
| Efficiency ratio | 76.0000% | 3,495 |
| Assets per employee ($millions) | 2.9069% | 6,401 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,415 |
| Loan loss allowance to noncurrent loans | 129.4461% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 5,795 |
| Noncurrent loans to loans | 0.7439% | 5,570 |
| Net loans and leases to total assets | 56.1063% | 6,222 |
| Net loans and leases to deposits | 63.5380% | 6,601 |
| Net loans and leases to core deposits | 72.9454% | 6,868 |
| Total domestic deposits to total assets | 88.3035% | 1,575 |
| Equity capital to assets | 11.5355% | 2,568 |
| Core capital (leverage) ratio | 11.3223% | 2,260 |
| Tier 1 risk-based capital ratio | 18.1886% | 2,006 |
| Total risk-based capital ratio | 19.0788% | 2,043 |
| Memoranda: | ||
| Average total assets | $80,332,000 | 5,810 |
| Average earning assets | $74,886,000 | 5,736 |
| Average equity | $9,325,000 | 5,595 |
| Average total loans | $46,107,500 | 5,957 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8801% | 6,135 |
| Cost of funding earning assets | 2.0840% | 6,117 |
| Net interest margin | 3.7961% | 4,042 |
| Noninterest income to average assets | 0.4390% | 5,125 |
| Noninterest expense to average assets | 2.8207% | 4,735 |
| Loan and lease loss provision to assets | 0.1256% | 5,763 |
| Net operating income to assets | 1.1475% | 1,958 |
| Return on assets (ROA) | 1.1539% | 1,854 |
| Pretax return on assets | 1.0542% | 3,200 |
| Return on Equity (ROE) | 9.5276% | 2,426 |
| Retained earnings to average equity (ytd only) | 0.8661% | 4,706 |
| Net charge-offs to loans | 0.0676% | 5,807 |
| Credit loss provision to net charge-offs | 312.9032% | 1,443 |
| Earnings coverage of net charge-offs (x) | 29.2258% | 1,189 |
| Efficiency ratio | 70.6226% | 4,224 |
| Assets per employee ($millions) | 2.8311% | 6,488 |
| Cash dividends to net income (ytd only)* | 90.9091% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 4,261 |
| Loan loss allowance to noncurrent loans | 123.3766% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 4,825 |
| Noncurrent loans to loans | 1.0021% | 4,589 |
| Net loans and leases to total assets | 57.4415% | 6,284 |
| Net loans and leases to deposits | 65.2803% | 6,694 |
| Net loans and leases to core deposits | 75.8083% | 6,868 |
| Total domestic deposits to total assets | 87.9920% | 1,473 |
| Equity capital to assets | 11.6826% | 2,511 |
| Core capital (leverage) ratio | 11.2420% | 2,404 |
| Tier 1 risk-based capital ratio | 18.2978% | 1,959 |
| Total risk-based capital ratio | 19.4553% | 1,936 |
| Memoranda: | ||
| Average total assets | $77,214,600 | 5,795 |
| Average earning assets | $72,312,000 | 5,730 |
| Average equity | $9,351,800 | 5,618 |
| Average total loans | $45,832,400 | 5,883 |