Home > Brunswick State Bank > Performance and Condition Ratios
Brunswick 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 | 6.3452% | 408 |
| Cost of funding earning assets | 2.1676% | 681 |
| Net interest margin | 4.1776% | 967 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.9078% | 3,817 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 2.0942% | 403 |
| Return on assets (ROA) | 2.0942% | 390 |
| Pretax return on assets | 2.1325% | 539 |
| Return on Equity (ROE) | 22.3800% | 440 |
| Retained earnings to average equity (ytd only) | 6.8435% | 1,935 |
| Net charge-offs to loans | -0.0656% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 46.4223% | 4,179 |
| Assets per employee ($millions) | 9.8763% | 735 |
| Cash dividends to net income (ytd only)* | 69.4225% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 1,424 |
| Loan loss allowance to noncurrent loans | 206.4764% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 963 |
| Noncurrent loans to loans | 0.6719% | 1,166 |
| Net loans and leases to total assets | 84.6200% | 233 |
| Net loans and leases to deposits | 95.6123% | 818 |
| Net loans and leases to core deposits | 114.3944% | 801 |
| Total domestic deposits to total assets | 88.5000% | 1,207 |
| Equity capital to assets | 9.4070% | 2,419 |
| Core capital (leverage) ratio | 9.5177% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $151,324,800 | 3,349 |
| Average earning assets | $142,185,400 | 3,319 |
| Average equity | $14,159,400 | 3,332 |
| Average total loans | $128,060,400 | 2,871 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1554% | 439 |
| Cost of funding earning assets | 1.9899% | 717 |
| Net interest margin | 4.1654% | 970 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.9057% | 3,793 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 2.0803% | 447 |
| Return on assets (ROA) | 2.0803% | 441 |
| Pretax return on assets | 2.1178% | 634 |
| Return on Equity (ROE) | 22.2600% | 542 |
| Retained earnings to average equity (ytd only) | 6.0548% | 2,612 |
| Net charge-offs to loans | -0.1194% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.2887% | 4,119 |
| Assets per employee ($millions) | 9.7293% | 738 |
| Cash dividends to net income (ytd only)* | 72.8051% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,336 |
| Loan loss allowance to noncurrent loans | 197.9275% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 940 |
| Noncurrent loans to loans | 0.7224% | 1,150 |
| Net loans and leases to total assets | 84.5900% | 243 |
| Net loans and leases to deposits | 93.4580% | 942 |
| Net loans and leases to core deposits | 113.8243% | 736 |
| Total domestic deposits to total assets | 90.5100% | 807 |
| Equity capital to assets | 9.1297% | 2,344 |
| Core capital (leverage) ratio | 9.8112% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $149,650,750 | 3,372 |
| Average earning assets | $140,838,250 | 3,346 |
| Average equity | $13,983,000 | 3,336 |
| Average total loans | $126,177,500 | 2,889 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0019% | 440 |
| Cost of funding earning assets | 1.7822% | 764 |
| Net interest margin | 4.2198% | 908 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.9086% | 3,801 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 2.1172% | 394 |
| Return on assets (ROA) | 2.1172% | 389 |
| Pretax return on assets | 2.1538% | 575 |
| Return on Equity (ROE) | 22.4800% | 513 |
| Retained earnings to average equity (ytd only) | 5.9396% | 2,644 |
| Net charge-offs to loans | -0.0614% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.8360% | 4,170 |
| Assets per employee ($millions) | 9.2296% | 844 |
| Cash dividends to net income (ytd only)* | 73.5765% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,429 |
| Loan loss allowance to noncurrent loans | 186.8530% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 809 |
| Noncurrent loans to loans | 0.7628% | 995 |
| Net loans and leases to total assets | 84.5300% | 240 |
| Net loans and leases to deposits | 93.7986% | 885 |
| Net loans and leases to core deposits | 111.3202% | 772 |
| Total domestic deposits to total assets | 90.1200% | 894 |
| Equity capital to assets | 9.5677% | 2,116 |
| Core capital (leverage) ratio | 9.8262% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $147,645,000 | 3,403 |
| Average earning assets | $139,155,000 | 3,373 |
| Average equity | $13,906,667 | 3,367 |
| Average total loans | $123,709,333 | 2,909 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8485% | 390 |
| Cost of funding earning assets | 1.5762% | 727 |
| Net interest margin | 4.2724% | 851 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.8831% | 3,886 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 2.1892% | 376 |
| Return on assets (ROA) | 2.1892% | 373 |
| Pretax return on assets | 2.2299% | 542 |
| Return on Equity (ROE) | 23.4300% | 483 |
| Retained earnings to average equity (ytd only) | 3.1315% | 3,478 |
| Net charge-offs to loans | -0.1211% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.8966% | 4,274 |
| Assets per employee ($millions) | 9.2480% | 856 |
| Cash dividends to net income (ytd only)* | 86.6337% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,404 |
| Loan loss allowance to noncurrent loans | 180.9671% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 755 |
| Noncurrent loans to loans | 0.8058% | 954 |
| Net loans and leases to total assets | 80.3300% | 507 |
| Net loans and leases to deposits | 88.9012% | 1,143 |
| Net loans and leases to core deposits | 104.8860% | 883 |
| Total domestic deposits to total assets | 90.3600% | 1,024 |
| Equity capital to assets | 9.4068% | 2,223 |
| Core capital (leverage) ratio | 9.5773% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $147,630,500 | 3,452 |
| Average earning assets | $138,564,500 | 3,425 |
| Average equity | $13,795,500 | 3,409 |
| Average total loans | $122,246,500 | 2,951 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 345 |
| Cost of funding earning assets | 0.9427% | 215 |
| Net interest margin | 3.9902% | 801 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.8544% | 3,922 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.8604% | 380 |
| Return on assets (ROA) | 1.8604% | 363 |
| Pretax return on assets | 1.9003% | 587 |
| Return on Equity (ROE) | 20.7500% | 408 |
| Retained earnings to average equity (ytd only) | 6.5041% | 2,449 |
| Net charge-offs to loans | 0.0449% | 1,240 |
| Credit loss provision to net charge-offs | 416.6667% | 758 |
| Earnings coverage of net charge-offs (x) | 56.2407% | 1,298 |
| Efficiency ratio | 47.4658% | 4,277 |
| Assets per employee ($millions) | 8.6643% | 1,029 |
| Cash dividends to net income (ytd only)* | 68.6524% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,622 |
| Loan loss allowance to noncurrent loans | 186.1386% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 804 |
| Noncurrent loans to loans | 0.7338% | 1,022 |
| Net loans and leases to total assets | 82.9500% | 329 |
| Net loans and leases to deposits | 91.5598% | 944 |
| Net loans and leases to core deposits | 106.0313% | 747 |
| Total domestic deposits to total assets | 90.6000% | 1,107 |
| Equity capital to assets | 9.2822% | 2,167 |
| Core capital (leverage) ratio | 9.5651% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $147,975,000 | 3,465 |
| Average earning assets | $139,490,600 | 3,423 |
| Average equity | $13,268,600 | 3,549 |
| Average total loans | $120,365,000 | 2,916 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 362 |
| Cost of funding earning assets | 0.9114% | 98 |
| Net interest margin | 3.7738% | 987 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.8162% | 3,955 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.6686% | 572 |
| Return on assets (ROA) | 1.6686% | 553 |
| Pretax return on assets | 1.7073% | 892 |
| Return on Equity (ROE) | 18.7700% | 549 |
| Retained earnings to average equity (ytd only) | 4.1920% | 3,380 |
| Net charge-offs to loans | 0.0569% | 914 |
| Credit loss provision to net charge-offs | 441.1765% | 666 |
| Earnings coverage of net charge-offs (x) | 41.6078% | 1,371 |
| Efficiency ratio | 48.7440% | 4,231 |
| Assets per employee ($millions) | 8.4675% | 1,086 |
| Cash dividends to net income (ytd only)* | 77.6699% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,698 |
| Loan loss allowance to noncurrent loans | 176.0125% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 785 |
| Noncurrent loans to loans | 0.7808% | 1,035 |
| Net loans and leases to total assets | 84.5000% | 211 |
| Net loans and leases to deposits | 94.9993% | 595 |
| Net loans and leases to core deposits | 111.8304% | 417 |
| Total domestic deposits to total assets | 88.9500% | 2,114 |
| Equity capital to assets | 9.0818% | 2,153 |
| Core capital (leverage) ratio | 9.4592% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $148,145,500 | 3,486 |
| Average earning assets | $140,298,750 | 3,441 |
| Average equity | $13,167,750 | 3,596 |
| Average total loans | $119,487,750 | 2,932 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 415 |
| Cost of funding earning assets | 0.9024% | 61 |
| Net interest margin | 3.5319% | 1,226 |
| Noninterest income to average assets | 0.1605% | 4,211 |
| Noninterest expense to average assets | 1.8015% | 3,951 |
| Loan and lease loss provision to assets | 0.2006% | 409 |
| Net operating income to assets | 1.4685% | 762 |
| Return on assets (ROA) | 1.4685% | 743 |
| Pretax return on assets | 1.5086% | 1,144 |
| Return on Equity (ROE) | 16.6372% | 617 |
| Retained earnings to average equity (ytd only) | 1.8637% | 3,791 |
| Net charge-offs to loans | 0.0068% | 1,752 |
| Credit loss provision to net charge-offs | 3,750.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 319.5000% | 382 |
| Efficiency ratio | 51.3143% | 4,176 |
| Assets per employee ($millions) | 8.6343% | 1,010 |
| Cash dividends to net income (ytd only)* | 88.7978% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 1,752 |
| Loan loss allowance to noncurrent loans | 170.6244% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 821 |
| Noncurrent loans to loans | 0.8199% | 1,048 |
| Net loans and leases to total assets | 80.0447% | 400 |
| Net loans and leases to deposits | 89.7612% | 736 |
| Net loans and leases to core deposits | 105.2211% | 474 |
| Total domestic deposits to total assets | 89.1752% | 2,101 |
| Equity capital to assets | 8.9247% | 2,428 |
| Core capital (leverage) ratio | 9.0224% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9701% | 2,826 |
| Memoranda: | ||
| Average total assets | $149,544,667 | 3,504 |
| Average earning assets | $141,849,000 | 3,478 |
| Average equity | $13,199,333 | 3,666 |
| Average total loans | $118,205,667 | 2,968 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 465 |
| Cost of funding earning assets | 0.9121% | 52 |
| Net interest margin | 3.3602% | 1,409 |
| Noninterest income to average assets | 0.1352% | 4,339 |
| Noninterest expense to average assets | 1.7360% | 4,081 |
| Loan and lease loss provision to assets | 0.1988% | 366 |
| Net operating income to assets | 1.3437% | 915 |
| Return on assets (ROA) | 1.3437% | 901 |
| Pretax return on assets | 1.3835% | 1,289 |
| Return on Equity (ROE) | 15.3068% | 614 |
| Retained earnings to average equity (ytd only) | -2.8078% | 4,298 |
| Net charge-offs to loans | -0.0034% | 3,225 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3163% | 4,177 |
| Assets per employee ($millions) | 8.8792% | 964 |
| Cash dividends to net income (ytd only)* | 118.3432% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,953 |
| Loan loss allowance to noncurrent loans | 115.8926% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 585 |
| Noncurrent loans to loans | 1.1976% | 744 |
| Net loans and leases to total assets | 75.1699% | 562 |
| Net loans and leases to deposits | 84.9404% | 813 |
| Net loans and leases to core deposits | 99.6540% | 526 |
| Total domestic deposits to total assets | 88.4972% | 2,298 |
| Equity capital to assets | 8.7051% | 2,969 |
| Core capital (leverage) ratio | 8.6622% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1258% | 2,864 |
| Memoranda: | ||
| Average total assets | $150,925,500 | 3,505 |
| Average earning assets | $142,969,500 | 3,482 |
| Average equity | $13,249,000 | 3,733 |
| Average total loans | $117,729,000 | 2,960 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 554 |
| Cost of funding earning assets | 1.0593% | 55 |
| Net interest margin | 3.4885% | 1,773 |
| Noninterest income to average assets | 0.1263% | 4,509 |
| Noninterest expense to average assets | 1.6554% | 4,356 |
| Loan and lease loss provision to assets | 0.4835% | 119 |
| Net operating income to assets | 1.2389% | 1,778 |
| Return on assets (ROA) | 1.2389% | 1,842 |
| Pretax return on assets | 1.2802% | 2,417 |
| Return on Equity (ROE) | 15.0889% | 936 |
| Retained earnings to average equity (ytd only) | 8.3766% | 1,395 |
| Net charge-offs to loans | 0.7608% | 95 |
| Credit loss provision to net charge-offs | 84.3645% | 1,925 |
| Earnings coverage of net charge-offs (x) | 3.0776% | 2,562 |
| Efficiency ratio | 48.4163% | 4,379 |
| Assets per employee ($millions) | 8.8768% | 958 |
| Cash dividends to net income (ytd only)* | 44.4849% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,546 |
| Loan loss allowance to noncurrent loans | 119.1073% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8462% | 695 |
| Noncurrent loans to loans | 1.0607% | 919 |
| Net loans and leases to total assets | 78.7741% | 335 |
| Net loans and leases to deposits | 89.1063% | 601 |
| Net loans and leases to core deposits | 103.1579% | 430 |
| Total domestic deposits to total assets | 88.4046% | 1,838 |
| Equity capital to assets | 8.8519% | 3,758 |
| Core capital (leverage) ratio | 8.7688% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6902% | 2,954 |
| Memoranda: | ||
| Average total assets | $155,132,600 | 3,440 |
| Average earning assets | $146,422,200 | 3,410 |
| Average equity | $12,737,800 | 3,850 |
| Average total loans | $116,852,400 | 2,978 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 614 |
| Cost of funding earning assets | 1.0696% | 62 |
| Net interest margin | 3.4812% | 1,922 |
| Noninterest income to average assets | 0.1272% | 4,555 |
| Noninterest expense to average assets | 1.6236% | 4,438 |
| Loan and lease loss provision to assets | 0.5762% | 89 |
| Net operating income to assets | 1.1763% | 2,245 |
| Return on assets (ROA) | 1.1763% | 2,305 |
| Pretax return on assets | 1.2113% | 2,892 |
| Return on Equity (ROE) | 14.6016% | 1,226 |
| Retained earnings to average equity (ytd only) | 8.4558% | 1,890 |
| Net charge-offs to loans | 0.9819% | 66 |
| Credit loss provision to net charge-offs | 79.0398% | 1,719 |
| Earnings coverage of net charge-offs (x) | 2.4520% | 2,346 |
| Efficiency ratio | 47.5976% | 4,399 |
| Assets per employee ($millions) | 9.1578% | 844 |
| Cash dividends to net income (ytd only)* | 42.0900% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,873 |
| Loan loss allowance to noncurrent loans | 110.6876% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 813 |
| Noncurrent loans to loans | 1.1057% | 1,011 |
| Net loans and leases to total assets | 76.7797% | 486 |
| Net loans and leases to deposits | 86.4846% | 800 |
| Net loans and leases to core deposits | 99.9005% | 590 |
| Total domestic deposits to total assets | 88.7785% | 1,413 |
| Equity capital to assets | 8.4139% | 4,263 |
| Core capital (leverage) ratio | 8.1355% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4314% | 3,047 |
| Memoranda: | ||
| Average total assets | $156,189,500 | 3,462 |
| Average earning assets | $147,339,000 | 3,438 |
| Average equity | $12,582,750 | 3,927 |
| Average total loans | $115,966,750 | 3,030 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 631 |
| Cost of funding earning assets | 1.0913% | 69 |
| Net interest margin | 3.5061% | 1,844 |
| Noninterest income to average assets | 0.1164% | 4,619 |
| Noninterest expense to average assets | 1.5720% | 4,547 |
| Loan and lease loss provision to assets | 0.5116% | 104 |
| Net operating income to assets | 1.3009% | 1,868 |
| Return on assets (ROA) | 1.3009% | 1,937 |
| Pretax return on assets | 1.3367% | 2,529 |
| Return on Equity (ROE) | 16.3891% | 881 |
| Retained earnings to average equity (ytd only) | 7.0423% | 2,415 |
| Net charge-offs to loans | 1.0133% | 78 |
| Credit loss provision to net charge-offs | 69.0846% | 1,525 |
| Earnings coverage of net charge-offs (x) | 2.4957% | 2,120 |
| Efficiency ratio | 45.9611% | 4,514 |
| Assets per employee ($millions) | 9.9429% | 621 |
| Cash dividends to net income (ytd only)* | 57.0305% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,698 |
| Loan loss allowance to noncurrent loans | 61.6570% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 420 |
| Noncurrent loans to loans | 2.0206% | 482 |
| Net loans and leases to total assets | 69.4534% | 1,269 |
| Net loans and leases to deposits | 80.6941% | 1,361 |
| Net loans and leases to core deposits | 93.0791% | 951 |
| Total domestic deposits to total assets | 86.0699% | 2,717 |
| Equity capital to assets | 7.5430% | 4,723 |
| Core capital (leverage) ratio | 8.0843% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4451% | 3,043 |
| Memoranda: | ||
| Average total assets | $156,358,333 | 3,466 |
| Average earning assets | $147,342,000 | 3,449 |
| Average equity | $12,410,667 | 3,950 |
| Average total loans | $114,284,333 | 3,065 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 395 |
| Cost of funding earning assets | 1.1813% | 59 |
| Net interest margin | 3.7460% | 1,241 |
| Noninterest income to average assets | 0.1226% | 4,583 |
| Noninterest expense to average assets | 1.5731% | 4,573 |
| Loan and lease loss provision to assets | 0.8665% | 50 |
| Net operating income to assets | 1.1545% | 2,319 |
| Return on assets (ROA) | 1.1545% | 2,386 |
| Pretax return on assets | 1.1918% | 2,866 |
| Return on Equity (ROE) | 14.1492% | 1,404 |
| Retained earnings to average equity (ytd only) | -4.8035% | 4,692 |
| Net charge-offs to loans | 1.9645% | 37 |
| Credit loss provision to net charge-offs | 59.0909% | 1,277 |
| Earnings coverage of net charge-offs (x) | 1.4036% | 1,850 |
| Efficiency ratio | 43.3186% | 4,612 |
| Assets per employee ($millions) | 9.4933% | 701 |
| Cash dividends to net income (ytd only)* | 133.9492% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,464 |
| Loan loss allowance to noncurrent loans | 69.2902% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.3635% | 503 |
| Noncurrent loans to loans | 1.8683% | 605 |
| Net loans and leases to total assets | 72.0341% | 1,021 |
| Net loans and leases to deposits | 84.8361% | 1,063 |
| Net loans and leases to core deposits | 100.5643% | 690 |
| Total domestic deposits to total assets | 84.9097% | 3,137 |
| Equity capital to assets | 7.9965% | 4,492 |
| Core capital (leverage) ratio | 8.0815% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8772% | 2,950 |
| Memoranda: | ||
| Average total assets | $150,022,500 | 3,530 |
| Average earning assets | $140,521,500 | 3,511 |
| Average equity | $12,241,000 | 3,973 |
| Average total loans | $111,987,500 | 3,100 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 497 |
| Cost of funding earning assets | 1.4896% | 88 |
| Net interest margin | 3.5028% | 2,470 |
| Noninterest income to average assets | 0.1825% | 4,373 |
| Noninterest expense to average assets | 1.7217% | 4,594 |
| Loan and lease loss provision to assets | 0.8807% | 133 |
| Net operating income to assets | 0.8552% | 2,882 |
| Return on assets (ROA) | 0.8552% | 3,021 |
| Pretax return on assets | 0.8736% | 3,440 |
| Return on Equity (ROE) | 10.3392% | 1,869 |
| Retained earnings to average equity (ytd only) | 8.4070% | 936 |
| Net charge-offs to loans | 1.0290% | 126 |
| Credit loss provision to net charge-offs | 104.9069% | 2,770 |
| Earnings coverage of net charge-offs (x) | 2.0897% | 3,203 |
| Efficiency ratio | 49.5300% | 4,561 |
| Assets per employee ($millions) | 9.2596% | 678 |
| Cash dividends to net income (ytd only)* | 18.6877% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 1,700 |
| Loan loss allowance to noncurrent loans | 96.5678% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 765 |
| Noncurrent loans to loans | 1.5195% | 872 |
| Net loans and leases to total assets | 75.2371% | 876 |
| Net loans and leases to deposits | 89.1008% | 997 |
| Net loans and leases to core deposits | 104.0523% | 721 |
| Total domestic deposits to total assets | 84.4404% | 2,971 |
| Equity capital to assets | 8.3265% | 4,562 |
| Core capital (leverage) ratio | 8.3620% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6548% | 2,998 |
| Memoranda: | ||
| Average total assets | $140,792,600 | 3,498 |
| Average earning assets | $132,381,400 | 3,479 |
| Average equity | $11,645,000 | 4,010 |
| Average total loans | $114,867,400 | 3,037 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 481 |
| Cost of funding earning assets | 1.5421% | 102 |
| Net interest margin | 3.5761% | 2,344 |
| Noninterest income to average assets | 0.1957% | 4,302 |
| Noninterest expense to average assets | 1.7512% | 4,562 |
| Loan and lease loss provision to assets | 1.1176% | 103 |
| Net operating income to assets | 0.6851% | 3,506 |
| Return on assets (ROA) | 0.6851% | 3,613 |
| Pretax return on assets | 0.7024% | 3,892 |
| Return on Equity (ROE) | 8.2981% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.8453% | 1,765 |
| Net charge-offs to loans | 1.3483% | 91 |
| Credit loss provision to net charge-offs | 99.9142% | 2,645 |
| Earnings coverage of net charge-offs (x) | 1.6269% | 3,059 |
| Efficiency ratio | 49.0328% | 4,552 |
| Assets per employee ($millions) | 8.8654% | 726 |
| Cash dividends to net income (ytd only)* | 17.5070% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 1,804 |
| Loan loss allowance to noncurrent loans | 92.9733% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2140% | 816 |
| Noncurrent loans to loans | 1.4875% | 969 |
| Net loans and leases to total assets | 80.4832% | 565 |
| Net loans and leases to deposits | 97.1236% | 681 |
| Net loans and leases to core deposits | 114.7309% | 532 |
| Total domestic deposits to total assets | 82.8668% | 3,177 |
| Equity capital to assets | 8.4062% | 4,515 |
| Core capital (leverage) ratio | 8.1718% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1269% | 3,078 |
| Memoranda: | ||
| Average total assets | $138,952,500 | 3,515 |
| Average earning assets | $131,164,000 | 3,485 |
| Average equity | $11,472,250 | 4,042 |
| Average total loans | $115,302,750 | 3,038 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 598 |
| Cost of funding earning assets | 1.5952% | 117 |
| Net interest margin | 3.5822% | 2,540 |
| Noninterest income to average assets | 0.2116% | 4,219 |
| Noninterest expense to average assets | 1.7581% | 4,616 |
| Loan and lease loss provision to assets | 0.1812% | 2,211 |
| Net operating income to assets | 1.6451% | 683 |
| Return on assets (ROA) | 1.6451% | 744 |
| Pretax return on assets | 1.6509% | 1,103 |
| Return on Equity (ROE) | 20.0501% | 243 |
| Retained earnings to average equity (ytd only) | 20.0501% | 92 |
| Net charge-offs to loans | 0.0729% | 1,521 |
| Credit loss provision to net charge-offs | 297.6190% | 1,629 |
| Earnings coverage of net charge-offs (x) | 30.0952% | 1,435 |
| Efficiency ratio | 48.9705% | 4,559 |
| Assets per employee ($millions) | 9.0462% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,453 |
| Loan loss allowance to noncurrent loans | 43.4839% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.6772% | 198 |
| Noncurrent loans to loans | 3.3068% | 259 |
| Net loans and leases to total assets | 79.7981% | 613 |
| Net loans and leases to deposits | 95.8840% | 805 |
| Net loans and leases to core deposits | 115.4355% | 553 |
| Total domestic deposits to total assets | 83.2236% | 3,023 |
| Equity capital to assets | 8.2576% | 4,608 |
| Core capital (leverage) ratio | 8.3332% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8821% | 3,172 |
| Memoranda: | ||
| Average total assets | $137,987,667 | 3,503 |
| Average earning assets | $130,144,000 | 3,468 |
| Average equity | $11,321,667 | 4,068 |
| Average total loans | $115,149,000 | 3,033 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6425% | 275 |
| Cost of funding earning assets | 1.6532% | 155 |
| Net interest margin | 3.9893% | 1,422 |
| Noninterest income to average assets | 0.2645% | 3,952 |
| Noninterest expense to average assets | 1.7443% | 4,731 |
| Loan and lease loss provision to assets | 0.1486% | 1,905 |
| Net operating income to assets | 2.0801% | 235 |
| Return on assets (ROA) | 2.0801% | 258 |
| Pretax return on assets | 2.1217% | 358 |
| Return on Equity (ROE) | 25.4395% | 60 |
| Retained earnings to average equity (ytd only) | 25.4395% | 28 |
| Net charge-offs to loans | 0.0946% | 1,125 |
| Credit loss provision to net charge-offs | 185.1852% | 1,462 |
| Earnings coverage of net charge-offs (x) | 28.2963% | 1,213 |
| Efficiency ratio | 43.4493% | 4,899 |
| Assets per employee ($millions) | 8.3994% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 1,679 |
| Loan loss allowance to noncurrent loans | 56.9376% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.1237% | 365 |
| Noncurrent loans to loans | 2.4666% | 494 |
| Net loans and leases to total assets | 84.8888% | 207 |
| Net loans and leases to deposits | 98.4603% | 663 |
| Net loans and leases to core deposits | 118.7266% | 507 |
| Total domestic deposits to total assets | 86.2162% | 1,912 |
| Equity capital to assets | 8.3689% | 4,875 |
| Core capital (leverage) ratio | 8.4941% | 4,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4694% | 3,376 |
| Memoranda: | ||
| Average total assets | $134,612,000 | 3,527 |
| Average earning assets | $126,539,000 | 3,488 |
| Average equity | $11,006,500 | 4,119 |
| Average total loans | $114,131,500 | 3,026 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7651% | 349 |
| Cost of funding earning assets | 1.6430% | 252 |
| Net interest margin | 4.1221% | 1,480 |
| Noninterest income to average assets | 0.2780% | 4,019 |
| Noninterest expense to average assets | 1.7344% | 4,843 |
| Loan and lease loss provision to assets | 0.3817% | 389 |
| Net operating income to assets | 1.9965% | 358 |
| Return on assets (ROA) | 2.1100% | 281 |
| Pretax return on assets | 2.1502% | 426 |
| Return on Equity (ROE) | 22.5880% | 127 |
| Retained earnings to average equity (ytd only) | 4.5484% | 2,684 |
| Net charge-offs to loans | 0.2886% | 727 |
| Credit loss provision to net charge-offs | 157.5000% | 1,637 |
| Earnings coverage of net charge-offs (x) | 9.9688% | 2,611 |
| Efficiency ratio | 41.7883% | 5,031 |
| Assets per employee ($millions) | 8.5558% | 581 |
| Cash dividends to net income (ytd only)* | 79.8636% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,542 |
| Loan loss allowance to noncurrent loans | 90.2770% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.2923% | 860 |
| Noncurrent loans to loans | 1.5443% | 926 |
| Net loans and leases to total assets | 82.5126% | 489 |
| Net loans and leases to deposits | 96.6303% | 875 |
| Net loans and leases to core deposits | 115.6605% | 614 |
| Total domestic deposits to total assets | 85.3900% | 2,351 |
| Equity capital to assets | 9.3686% | 4,448 |
| Core capital (leverage) ratio | 9.7404% | 3,802 |
| Tier 1 risk-based capital ratio | 10.2363% | 5,085 |
| Total risk-based capital ratio | 11.4864% | 5,024 |
| Memoranda: | ||
| Average total assets | $132,036,600 | 3,537 |
| Average earning assets | $124,038,600 | 3,504 |
| Average equity | $12,334,000 | 3,953 |
| Average total loans | $110,887,600 | 3,071 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7264% | 398 |
| Cost of funding earning assets | 1.6449% | 251 |
| Net interest margin | 4.0815% | 1,668 |
| Noninterest income to average assets | 0.2711% | 4,117 |
| Noninterest expense to average assets | 1.7112% | 4,910 |
| Loan and lease loss provision to assets | 0.4760% | 255 |
| Net operating income to assets | 1.8883% | 504 |
| Return on assets (ROA) | 2.0271% | 392 |
| Pretax return on assets | 2.0669% | 593 |
| Return on Equity (ROE) | 21.7171% | 176 |
| Retained earnings to average equity (ytd only) | 4.7933% | 2,993 |
| Net charge-offs to loans | 0.1055% | 1,413 |
| Credit loss provision to net charge-offs | 536.7816% | 593 |
| Earnings coverage of net charge-offs (x) | 27.0797% | 1,724 |
| Efficiency ratio | 41.6109% | 5,090 |
| Assets per employee ($millions) | 8.1323% | 662 |
| Cash dividends to net income (ytd only)* | 77.9289% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,081 |
| Loan loss allowance to noncurrent loans | 87.9784% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.5663% | 678 |
| Noncurrent loans to loans | 1.7760% | 810 |
| Net loans and leases to total assets | 86.8133% | 143 |
| Net loans and leases to deposits | 103.1392% | 446 |
| Net loans and leases to core deposits | 125.2764% | 383 |
| Total domestic deposits to total assets | 84.1710% | 2,760 |
| Equity capital to assets | 9.7820% | 4,226 |
| Core capital (leverage) ratio | 9.8660% | 3,771 |
| Tier 1 risk-based capital ratio | 10.2317% | 5,144 |
| Total risk-based capital ratio | 11.4845% | 5,070 |
| Memoranda: | ||
| Average total assets | $130,822,500 | 3,588 |
| Average earning assets | $123,122,500 | 3,555 |
| Average equity | $12,211,250 | 4,006 |
| Average total loans | $109,971,750 | 3,127 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5705% | 498 |
| Cost of funding earning assets | 1.6101% | 258 |
| Net interest margin | 3.9604% | 2,057 |
| Noninterest income to average assets | 0.2594% | 4,201 |
| Noninterest expense to average assets | 1.7031% | 4,975 |
| Loan and lease loss provision to assets | 0.6547% | 164 |
| Net operating income to assets | 1.5875% | 939 |
| Return on assets (ROA) | 1.6100% | 925 |
| Pretax return on assets | 1.6481% | 1,400 |
| Return on Equity (ROE) | 17.5264% | 406 |
| Retained earnings to average equity (ytd only) | -1.9935% | 4,909 |
| Net charge-offs to loans | 0.0148% | 2,616 |
| Credit loss provision to net charge-offs | 5,362.5000% | 66 |
| Earnings coverage of net charge-offs (x) | 186.7500% | 414 |
| Efficiency ratio | 42.7586% | 5,100 |
| Assets per employee ($millions) | 8.5653% | 544 |
| Cash dividends to net income (ytd only)* | 111.3744% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 851 |
| Loan loss allowance to noncurrent loans | 86.9194% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6423% | 650 |
| Noncurrent loans to loans | 1.9380% | 750 |
| Net loans and leases to total assets | 83.3140% | 431 |
| Net loans and leases to deposits | 96.8977% | 945 |
| Net loans and leases to core deposits | 115.9054% | 689 |
| Total domestic deposits to total assets | 85.9814% | 2,042 |
| Equity capital to assets | 9.4934% | 4,408 |
| Core capital (leverage) ratio | 9.3605% | 4,301 |
| Tier 1 risk-based capital ratio | 10.2976% | 5,171 |
| Total risk-based capital ratio | 11.5512% | 5,090 |
| Memoranda: | ||
| Average total assets | $131,058,000 | 3,608 |
| Average earning assets | $123,220,670 | 3,578 |
| Average equity | $12,039,000 | 4,040 |
| Average total loans | $108,378,670 | 3,163 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3225% | 724 |
| Cost of funding earning assets | 1.5603% | 261 |
| Net interest margin | 3.7622% | 2,664 |
| Noninterest income to average assets | 0.2326% | 4,348 |
| Noninterest expense to average assets | 1.7520% | 4,966 |
| Loan and lease loss provision to assets | 0.1148% | 1,539 |
| Net operating income to assets | 1.8910% | 466 |
| Return on assets (ROA) | 1.8910% | 483 |
| Pretax return on assets | 1.8910% | 809 |
| Return on Equity (ROE) | 20.8112% | 224 |
| Retained earnings to average equity (ytd only) | -5.7846% | 4,966 |
| Net charge-offs to loans | 0.0296% | 1,867 |
| Credit loss provision to net charge-offs | 475.0000% | 630 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 748 |
| Efficiency ratio | 46.6238% | 5,001 |
| Assets per employee ($millions) | 8.7396% | 520 |
| Cash dividends to net income (ytd only)* | 127.7955% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,895 |
| Loan loss allowance to noncurrent loans | 62.1180% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.7720% | 597 |
| Noncurrent loans to loans | 2.1636% | 664 |
| Net loans and leases to total assets | 80.8016% | 736 |
| Net loans and leases to deposits | 93.9543% | 1,183 |
| Net loans and leases to core deposits | 111.7245% | 845 |
| Total domestic deposits to total assets | 86.0009% | 2,284 |
| Equity capital to assets | 9.1743% | 4,555 |
| Core capital (leverage) ratio | 9.3074% | 4,355 |
| Tier 1 risk-based capital ratio | 10.4116% | 5,193 |
| Total risk-based capital ratio | 11.6613% | 5,117 |
| Memoranda: | ||
| Average total assets | $132,419,500 | 3,628 |
| Average earning assets | $124,076,500 | 3,599 |
| Average equity | $12,032,000 | 4,051 |
| Average total loans | $108,130,500 | 3,195 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6408% | 304 |
| Cost of funding earning assets | 1.3472% | 180 |
| Net interest margin | 4.2936% | 1,174 |
| Noninterest income to average assets | 0.2941% | 4,139 |
| Noninterest expense to average assets | 1.7571% | 5,045 |
| Loan and lease loss provision to assets | 0.1611% | 1,269 |
| Net operating income to assets | 2.4226% | 165 |
| Return on assets (ROA) | 2.4226% | 164 |
| Pretax return on assets | 2.4226% | 240 |
| Return on Equity (ROE) | 26.4393% | 68 |
| Retained earnings to average equity (ytd only) | 9.7334% | 671 |
| Net charge-offs to loans | 0.0226% | 2,967 |
| Credit loss provision to net charge-offs | 833.3333% | 431 |
| Earnings coverage of net charge-offs (x) | 133.6250% | 605 |
| Efficiency ratio | 40.4788% | 5,276 |
| Assets per employee ($millions) | 8.9163% | 486 |
| Cash dividends to net income (ytd only)* | 63.1859% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,050 |
| Loan loss allowance to noncurrent loans | 515.6934% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 3,800 |
| Noncurrent loans to loans | 0.2516% | 3,678 |
| Net loans and leases to total assets | 80.3611% | 888 |
| Net loans and leases to deposits | 92.8528% | 1,416 |
| Net loans and leases to core deposits | 110.9140% | 949 |
| Total domestic deposits to total assets | 86.5468% | 1,989 |
| Equity capital to assets | 9.0000% | 4,574 |
| Core capital (leverage) ratio | 9.4250% | 4,201 |
| Tier 1 risk-based capital ratio | 10.3592% | 5,227 |
| Total risk-based capital ratio | 11.5627% | 5,153 |
| Memoranda: | ||
| Average total assets | $124,124,600 | 3,729 |
| Average earning assets | $116,987,200 | 3,701 |
| Average equity | $11,373,200 | 4,105 |
| Average total loans | $106,367,600 | 3,199 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 313 |
| Cost of funding earning assets | 1.2931% | 167 |
| Net interest margin | 4.2773% | 1,167 |
| Noninterest income to average assets | 0.2958% | 4,169 |
| Noninterest expense to average assets | 1.7778% | 5,058 |
| Loan and lease loss provision to assets | 0.1785% | 1,020 |
| Net operating income to assets | 2.3901% | 189 |
| Return on assets (ROA) | 2.3901% | 189 |
| Pretax return on assets | 2.3901% | 286 |
| Return on Equity (ROE) | 25.9587% | 70 |
| Retained earnings to average equity (ytd only) | 10.4929% | 766 |
| Net charge-offs to loans | -0.0050% | 4,228 |
| Credit loss provision to net charge-offs | -4,075.0000% | 4,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9022% | 5,309 |
| Assets per employee ($millions) | 8.2969% | 568 |
| Cash dividends to net income (ytd only)* | 59.5784% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,178 |
| Loan loss allowance to noncurrent loans | 1,872.0000% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,675 |
| Noncurrent loans to loans | 0.0685% | 4,574 |
| Net loans and leases to total assets | 86.8159% | 198 |
| Net loans and leases to deposits | 101.4155% | 680 |
| Net loans and leases to core deposits | 123.7034% | 473 |
| Total domestic deposits to total assets | 85.6042% | 2,355 |
| Equity capital to assets | 9.4477% | 4,127 |
| Core capital (leverage) ratio | 9.4988% | 4,175 |
| Tier 1 risk-based capital ratio | 10.2702% | 5,304 |
| Total risk-based capital ratio | 11.4781% | 5,250 |
| Memoranda: | ||
| Average total assets | $121,719,500 | 3,801 |
| Average earning assets | $115,273,250 | 3,764 |
| Average equity | $11,207,250 | 4,173 |
| Average total loans | $105,736,500 | 3,235 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4320% | 365 |
| Cost of funding earning assets | 1.2180% | 172 |
| Net interest margin | 4.2140% | 1,252 |
| Noninterest income to average assets | 0.2748% | 4,352 |
| Noninterest expense to average assets | 1.7797% | 5,119 |
| Loan and lease loss provision to assets | 0.2069% | 813 |
| Net operating income to assets | 2.2747% | 221 |
| Return on assets (ROA) | 2.2747% | 216 |
| Pretax return on assets | 2.2747% | 346 |
| Return on Equity (ROE) | 24.9282% | 87 |
| Retained earnings to average equity (ytd only) | 5.8783% | 2,623 |
| Net charge-offs to loans | -0.0019% | 3,941 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7638% | 5,357 |
| Assets per employee ($millions) | 8.3939% | 539 |
| Cash dividends to net income (ytd only)* | 76.4192% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 84.5102% | 406 |
| Net loans and leases to deposits | 98.2385% | 953 |
| Net loans and leases to core deposits | 117.4174% | 658 |
| Total domestic deposits to total assets | 86.0256% | 2,266 |
| Equity capital to assets | 8.9581% | 4,594 |
| Core capital (leverage) ratio | 9.4646% | 4,149 |
| Tier 1 risk-based capital ratio | 9.9185% | 5,448 |
| Total risk-based capital ratio | 11.1065% | 5,405 |
| Memoranda: | ||
| Average total assets | $120,808,330 | 3,845 |
| Average earning assets | $114,285,000 | 3,807 |
| Average equity | $11,023,670 | 4,229 |
| Average total loans | $104,499,000 | 3,257 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3878% | 341 |
| Cost of funding earning assets | 1.1845% | 149 |
| Net interest margin | 4.2033% | 1,171 |
| Noninterest income to average assets | 0.2503% | 4,504 |
| Noninterest expense to average assets | 1.8164% | 5,138 |
| Loan and lease loss provision to assets | 0.2977% | 436 |
| Net operating income to assets | 2.0971% | 296 |
| Return on assets (ROA) | 2.0971% | 297 |
| Pretax return on assets | 2.0971% | 469 |
| Return on Equity (ROE) | 22.7606% | 136 |
| Retained earnings to average equity (ytd only) | -6.6079% | 5,272 |
| Net charge-offs to loans | -0.0039% | 3,930 |
| Credit loss provision to net charge-offs | -8,800.0000% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1325% | 5,370 |
| Assets per employee ($millions) | 7.9032% | 643 |
| Cash dividends to net income (ytd only)* | 129.0323% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 88.0892% | 128 |
| Net loans and leases to deposits | 102.7703% | 550 |
| Net loans and leases to core deposits | 136.3041% | 250 |
| Total domestic deposits to total assets | 85.7146% | 2,669 |
| Equity capital to assets | 9.0748% | 4,487 |
| Core capital (leverage) ratio | 9.3770% | 4,217 |
| Tier 1 risk-based capital ratio | 9.6392% | 5,544 |
| Total risk-based capital ratio | 10.8146% | 5,534 |
| Memoranda: | ||
| Average total assets | $118,258,000 | 3,929 |
| Average earning assets | $111,436,500 | 3,899 |
| Average equity | $10,896,000 | 4,285 |
| Average total loans | $102,864,000 | 3,309 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3379% | 343 |
| Cost of funding earning assets | 1.0117% | 201 |
| Net interest margin | 4.3262% | 912 |
| Noninterest income to average assets | 0.2773% | 4,474 |
| Noninterest expense to average assets | 1.9814% | 4,989 |
| Loan and lease loss provision to assets | 0.3270% | 512 |
| Net operating income to assets | 2.0459% | 254 |
| Return on assets (ROA) | 2.0652% | 254 |
| Pretax return on assets | 2.0652% | 421 |
| Return on Equity (ROE) | 21.6101% | 139 |
| Retained earnings to average equity (ytd only) | 5.7061% | 1,704 |
| Net charge-offs to loans | 0.1093% | 1,973 |
| Credit loss provision to net charge-offs | 341.3462% | 852 |
| Earnings coverage of net charge-offs (x) | 24.7692% | 1,742 |
| Efficiency ratio | 45.5045% | 5,408 |
| Assets per employee ($millions) | 8.4263% | 548 |
| Cash dividends to net income (ytd only)* | 73.5950% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,551 |
| Loan loss allowance to noncurrent loans | 3,534.2857% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 4,996 |
| Noncurrent loans to loans | 0.0350% | 4,854 |
| Net loans and leases to total assets | 83.6981% | 480 |
| Net loans and leases to deposits | 97.9271% | 911 |
| Net loans and leases to core deposits | 129.8471% | 343 |
| Total domestic deposits to total assets | 85.4698% | 2,669 |
| Equity capital to assets | 9.3534% | 4,374 |
| Core capital (leverage) ratio | 9.6877% | 3,828 |
| Tier 1 risk-based capital ratio | 10.2383% | 5,466 |
| Total risk-based capital ratio | 11.3839% | 5,433 |
| Memoranda: | ||
| Average total assets | $108,559,800 | 4,088 |
| Average earning assets | $102,306,400 | 4,056 |
| Average equity | $10,374,800 | 4,394 |
| Average total loans | $95,118,000 | 3,433 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3105% | 334 |
| Cost of funding earning assets | 0.9937% | 201 |
| Net interest margin | 4.3168% | 884 |
| Noninterest income to average assets | 0.2749% | 4,542 |
| Noninterest expense to average assets | 2.0387% | 4,877 |
| Loan and lease loss provision to assets | 0.3528% | 421 |
| Net operating income to assets | 1.9571% | 345 |
| Return on assets (ROA) | 1.9835% | 332 |
| Pretax return on assets | 1.9835% | 567 |
| Return on Equity (ROE) | 20.6328% | 193 |
| Retained earnings to average equity (ytd only) | -0.9141% | 5,339 |
| Net charge-offs to loans | 0.0767% | 2,047 |
| Credit loss provision to net charge-offs | 520.3704% | 612 |
| Earnings coverage of net charge-offs (x) | 34.0732% | 1,454 |
| Efficiency ratio | 46.8822% | 5,391 |
| Assets per employee ($millions) | 7.8311% | 671 |
| Cash dividends to net income (ytd only)* | 104.4308% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,807 |
| Loan loss allowance to noncurrent loans | 1,002.4793% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 4,695 |
| Noncurrent loans to loans | 0.1217% | 4,573 |
| Net loans and leases to total assets | 89.5618% | 98 |
| Net loans and leases to deposits | 104.7147% | 462 |
| Net loans and leases to core deposits | 143.0682% | 172 |
| Total domestic deposits to total assets | 85.5294% | 2,507 |
| Equity capital to assets | 9.4695% | 4,472 |
| Core capital (leverage) ratio | 9.5070% | 4,158 |
| Tier 1 risk-based capital ratio | 9.7150% | 5,648 |
| Total risk-based capital ratio | 10.8488% | 5,635 |
| Memoranda: | ||
| Average total assets | $106,207,750 | 4,176 |
| Average earning assets | $100,225,750 | 4,131 |
| Average equity | $10,210,000 | 4,461 |
| Average total loans | $93,904,000 | 3,485 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2151% | 387 |
| Cost of funding earning assets | 0.9625% | 209 |
| Net interest margin | 4.2525% | 968 |
| Noninterest income to average assets | 0.2779% | 4,562 |
| Noninterest expense to average assets | 2.0958% | 4,779 |
| Loan and lease loss provision to assets | 0.2151% | 829 |
| Net operating income to assets | 1.9702% | 323 |
| Return on assets (ROA) | 1.9931% | 320 |
| Pretax return on assets | 1.9931% | 537 |
| Return on Equity (ROE) | 20.6251% | 194 |
| Retained earnings to average equity (ytd only) | -3.9989% | 5,489 |
| Net charge-offs to loans | 0.0130% | 2,996 |
| Credit loss provision to net charge-offs | 1,883.3333% | 223 |
| Earnings coverage of net charge-offs (x) | 191.3333% | 426 |
| Efficiency ratio | 48.9551% | 5,359 |
| Assets per employee ($millions) | 7.6704% | 696 |
| Cash dividends to net income (ytd only)* | 119.3887% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,371 |
| Loan loss allowance to noncurrent loans | 8,407.6923% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 5,247 |
| Noncurrent loans to loans | 0.0136% | 5,117 |
| Net loans and leases to total assets | 88.2908% | 134 |
| Net loans and leases to deposits | 103.1529% | 542 |
| Net loans and leases to core deposits | 136.0228% | 232 |
| Total domestic deposits to total assets | 85.5922% | 2,577 |
| Equity capital to assets | 9.5543% | 4,358 |
| Core capital (leverage) ratio | 9.7149% | 3,880 |
| Tier 1 risk-based capital ratio | 9.9641% | 5,638 |
| Total risk-based capital ratio | 11.0254% | 5,645 |
| Memoranda: | ||
| Average total assets | $105,065,000 | 4,225 |
| Average earning assets | $98,906,000 | 4,183 |
| Average equity | $10,152,670 | 4,485 |
| Average total loans | $92,070,330 | 3,534 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 442 |
| Cost of funding earning assets | 0.9533% | 211 |
| Net interest margin | 4.1461% | 1,105 |
| Noninterest income to average assets | 0.2733% | 4,589 |
| Noninterest expense to average assets | 2.1366% | 4,781 |
| Loan and lease loss provision to assets | 0.1694% | 1,048 |
| Net operating income to assets | 1.8517% | 409 |
| Return on assets (ROA) | 1.8517% | 422 |
| Pretax return on assets | 1.8517% | 719 |
| Return on Equity (ROE) | 19.0514% | 284 |
| Retained earnings to average equity (ytd only) | -14.6153% | 5,664 |
| Net charge-offs to loans | -0.0044% | 4,148 |
| Credit loss provision to net charge-offs | -4,400.0000% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3889% | 5,296 |
| Assets per employee ($millions) | 7.3998% | 792 |
| Cash dividends to net income (ytd only)* | 176.7152% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 3,580 |
| Loan loss allowance to noncurrent loans | 67.4297% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.4759% | 1,104 |
| Noncurrent loans to loans | 1.6620% | 1,163 |
| Net loans and leases to total assets | 87.8066% | 113 |
| Net loans and leases to deposits | 103.3717% | 432 |
| Net loans and leases to core deposits | 135.9858% | 203 |
| Total domestic deposits to total assets | 84.9426% | 3,112 |
| Equity capital to assets | 9.5881% | 4,196 |
| Core capital (leverage) ratio | 9.7704% | 3,789 |
| Tier 1 risk-based capital ratio | 10.1312% | 5,669 |
| Total risk-based capital ratio | 11.1659% | 5,692 |
| Memoranda: | ||
| Average total assets | $103,904,500 | 4,287 |
| Average earning assets | $97,345,000 | 4,250 |
| Average equity | $10,099,000 | 4,526 |
| Average total loans | $90,153,000 | 3,597 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2819% | 367 |
| Cost of funding earning assets | 0.8213% | 453 |
| Net interest margin | 4.4606% | 671 |
| Noninterest income to average assets | 0.2950% | 4,630 |
| Noninterest expense to average assets | 2.0632% | 5,068 |
| Loan and lease loss provision to assets | 0.1485% | 1,675 |
| Net operating income to assets | 2.2612% | 210 |
| Return on assets (ROA) | 2.4196% | 164 |
| Pretax return on assets | 2.4196% | 225 |
| Return on Equity (ROE) | 23.9158% | 96 |
| Retained earnings to average equity (ytd only) | 4.5894% | 2,649 |
| Net charge-offs to loans | 0.1773% | 1,548 |
| Credit loss provision to net charge-offs | 98.0392% | 2,642 |
| Earnings coverage of net charge-offs (x) | 15.9085% | 2,159 |
| Efficiency ratio | 46.1266% | 5,637 |
| Assets per employee ($millions) | 7.4437% | 750 |
| Cash dividends to net income (ytd only)* | 80.8101% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,618 |
| Loan loss allowance to noncurrent loans | 348.4099% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 4,198 |
| Noncurrent loans to loans | 0.3205% | 3,997 |
| Net loans and leases to total assets | 83.7946% | 403 |
| Net loans and leases to deposits | 98.6244% | 767 |
| Net loans and leases to core deposits | 125.2190% | 361 |
| Total domestic deposits to total assets | 84.9633% | 3,067 |
| Equity capital to assets | 9.8501% | 3,881 |
| Core capital (leverage) ratio | 10.2468% | 3,175 |
| Tier 1 risk-based capital ratio | 10.7777% | 5,447 |
| Total risk-based capital ratio | 11.7934% | 5,484 |
| Memoranda: | ||
| Average total assets | $101,007,800 | 4,337 |
| Average earning assets | $94,606,600 | 4,296 |
| Average equity | $10,219,200 | 4,534 |
| Average total loans | $86,283,000 | 3,656 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2997% | 368 |
| Cost of funding earning assets | 0.8132% | 467 |
| Net interest margin | 4.4865% | 651 |
| Noninterest income to average assets | 0.2874% | 4,716 |
| Noninterest expense to average assets | 2.0757% | 5,055 |
| Loan and lease loss provision to assets | 0.1743% | 1,291 |
| Net operating income to assets | 2.2513% | 224 |
| Return on assets (ROA) | 2.4908% | 163 |
| Pretax return on assets | 2.4908% | 222 |
| Return on Equity (ROE) | 24.4514% | 92 |
| Retained earnings to average equity (ytd only) | 3.8793% | 3,540 |
| Net charge-offs to loans | 0.2021% | 1,156 |
| Credit loss provision to net charge-offs | 100.7692% | 2,334 |
| Earnings coverage of net charge-offs (x) | 14.0230% | 2,263 |
| Efficiency ratio | 46.1129% | 5,664 |
| Assets per employee ($millions) | 6.9416% | 912 |
| Cash dividends to net income (ytd only)* | 84.1346% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 3,544 |
| Loan loss allowance to noncurrent loans | 292.8994% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 4,016 |
| Noncurrent loans to loans | 0.3922% | 3,859 |
| Net loans and leases to total assets | 87.6520% | 156 |
| Net loans and leases to deposits | 106.4828% | 365 |
| Net loans and leases to core deposits | 132.4718% | 269 |
| Total domestic deposits to total assets | 82.3157% | 3,836 |
| Equity capital to assets | 10.7499% | 3,313 |
| Core capital (leverage) ratio | 10.5194% | 2,975 |
| Tier 1 risk-based capital ratio | 10.9121% | 5,417 |
| Total risk-based capital ratio | 11.9619% | 5,427 |
| Memoranda: | ||
| Average total assets | $100,206,750 | 4,382 |
| Average earning assets | $94,116,500 | 4,342 |
| Average equity | $10,207,750 | 4,582 |
| Average total loans | $85,776,250 | 3,687 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1708% | 445 |
| Cost of funding earning assets | 0.7994% | 497 |
| Net interest margin | 4.3714% | 812 |
| Noninterest income to average assets | 0.2766% | 4,801 |
| Noninterest expense to average assets | 1.9938% | 5,281 |
| Loan and lease loss provision to assets | 0.2233% | 928 |
| Net operating income to assets | 2.1657% | 241 |
| Return on assets (ROA) | 2.4008% | 179 |
| Pretax return on assets | 2.4008% | 253 |
| Return on Equity (ROE) | 23.9929% | 107 |
| Retained earnings to average equity (ytd only) | 0.7899% | 5,065 |
| Net charge-offs to loans | 0.0677% | 2,222 |
| Credit loss provision to net charge-offs | 389.6552% | 788 |
| Earnings coverage of net charge-offs (x) | 41.6897% | 1,126 |
| Efficiency ratio | 45.4914% | 5,776 |
| Assets per employee ($millions) | 7.0228% | 868 |
| Cash dividends to net income (ytd only)* | 96.7078% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 3,098 |
| Loan loss allowance to noncurrent loans | 100.2806% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0873% | 1,947 |
| Noncurrent loans to loans | 1.2420% | 1,848 |
| Net loans and leases to total assets | 86.4523% | 220 |
| Net loans and leases to deposits | 104.6309% | 432 |
| Net loans and leases to core deposits | 130.6993% | 297 |
| Total domestic deposits to total assets | 82.6259% | 3,783 |
| Equity capital to assets | 10.4914% | 3,636 |
| Core capital (leverage) ratio | 10.0394% | 3,521 |
| Tier 1 risk-based capital ratio | 10.6121% | 5,621 |
| Total risk-based capital ratio | 11.7459% | 5,586 |
| Memoranda: | ||
| Average total assets | $101,215,000 | 4,402 |
| Average earning assets | $95,072,330 | 4,360 |
| Average equity | $10,128,000 | 4,622 |
| Average total loans | $85,644,330 | 3,704 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 484 |
| Cost of funding earning assets | 0.7813% | 538 |
| Net interest margin | 4.3307% | 870 |
| Noninterest income to average assets | 0.2805% | 4,704 |
| Noninterest expense to average assets | 1.8507% | 5,588 |
| Loan and lease loss provision to assets | 0.3662% | 403 |
| Net operating income to assets | 2.1235% | 267 |
| Return on assets (ROA) | 2.1235% | 278 |
| Pretax return on assets | 2.1235% | 438 |
| Return on Equity (ROE) | 21.7250% | 168 |
| Retained earnings to average equity (ytd only) | -9.1684% | 5,785 |
| Net charge-offs to loans | 0.0094% | 2,814 |
| Credit loss provision to net charge-offs | 4,700.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 319.5000% | 187 |
| Efficiency ratio | 42.6391% | 5,903 |
| Assets per employee ($millions) | 7.2523% | 795 |
| Cash dividends to net income (ytd only)* | 142.2018% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 2,992 |
| Loan loss allowance to noncurrent loans | 285.9788% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 4,086 |
| Noncurrent loans to loans | 0.4487% | 3,835 |
| Net loans and leases to total assets | 81.9121% | 564 |
| Net loans and leases to deposits | 97.7171% | 781 |
| Net loans and leases to core deposits | 119.6493% | 475 |
| Total domestic deposits to total assets | 83.8258% | 3,585 |
| Equity capital to assets | 9.7940% | 4,347 |
| Core capital (leverage) ratio | 9.7993% | 3,781 |
| Tier 1 risk-based capital ratio | 10.4652% | 5,767 |
| Total risk-based capital ratio | 11.6238% | 5,719 |
| Memoranda: | ||
| Average total assets | $102,663,000 | 4,414 |
| Average earning assets | $96,244,000 | 4,376 |
| Average equity | $10,034,500 | 4,654 |
| Average total loans | $85,431,000 | 3,715 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 479 |
| Cost of funding earning assets | 0.7467% | 650 |
| Net interest margin | 4.3942% | 805 |
| Noninterest income to average assets | 0.2650% | 4,976 |
| Noninterest expense to average assets | 1.9174% | 5,594 |
| Loan and lease loss provision to assets | 0.1461% | 1,622 |
| Net operating income to assets | 2.3224% | 197 |
| Return on assets (ROA) | 2.3627% | 191 |
| Pretax return on assets | 2.3627% | 265 |
| Return on Equity (ROE) | 23.8691% | 118 |
| Retained earnings to average equity (ytd only) | 2.2393% | 4,444 |
| Net charge-offs to loans | -0.0012% | 4,849 |
| Credit loss provision to net charge-offs | -14,500.0000% | 5,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7170% | 5,987 |
| Assets per employee ($millions) | 7.4139% | 736 |
| Cash dividends to net income (ytd only)* | 90.6183% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 3,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.4951% | 547 |
| Net loans and leases to deposits | 98.4433% | 789 |
| Net loans and leases to core deposits | 117.8856% | 545 |
| Total domestic deposits to total assets | 83.7996% | 3,564 |
| Equity capital to assets | 9.7549% | 4,236 |
| Core capital (leverage) ratio | 9.8273% | 3,739 |
| Tier 1 risk-based capital ratio | 10.4800% | 5,782 |
| Total risk-based capital ratio | 11.5170% | 5,800 |
| Memoranda: | ||
| Average total assets | $99,251,200 | 4,473 |
| Average earning assets | $93,078,000 | 4,449 |
| Average equity | $9,824,400 | 4,684 |
| Average total loans | $82,132,200 | 3,770 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0952% | 520 |
| Cost of funding earning assets | 0.7392% | 686 |
| Net interest margin | 4.3559% | 867 |
| Noninterest income to average assets | 0.2541% | 5,122 |
| Noninterest expense to average assets | 1.9595% | 5,550 |
| Loan and lease loss provision to assets | 0.1712% | 1,235 |
| Net operating income to assets | 2.2232% | 245 |
| Return on assets (ROA) | 2.2585% | 242 |
| Pretax return on assets | 2.2585% | 364 |
| Return on Equity (ROE) | 22.7293% | 170 |
| Retained earnings to average equity (ytd only) | -1.5453% | 5,809 |
| Net charge-offs to loans | 0.0099% | 3,826 |
| Credit loss provision to net charge-offs | 2,100.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 293.6588% | 245 |
| Efficiency ratio | 45.0062% | 6,004 |
| Assets per employee ($millions) | 7.1272% | 821 |
| Cash dividends to net income (ytd only)* | 106.7994% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 4,222 |
| Loan loss allowance to noncurrent loans | 96,300.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 5,832 |
| Noncurrent loans to loans | 0.0011% | 5,675 |
| Net loans and leases to total assets | 86.6999% | 194 |
| Net loans and leases to deposits | 105.9509% | 366 |
| Net loans and leases to core deposits | 129.2216% | 288 |
| Total domestic deposits to total assets | 81.8302% | 4,217 |
| Equity capital to assets | 9.7644% | 4,428 |
| Core capital (leverage) ratio | 9.7150% | 4,014 |
| Tier 1 risk-based capital ratio | 10.0758% | 6,018 |
| Total risk-based capital ratio | 11.0802% | 6,052 |
| Memoranda: | ||
| Average total assets | $98,115,500 | 4,547 |
| Average earning assets | $92,346,750 | 4,518 |
| Average equity | $9,749,250 | 4,758 |
| Average total loans | $81,011,750 | 3,826 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 638 |
| Cost of funding earning assets | 0.7369% | 687 |
| Net interest margin | 4.2227% | 1,063 |
| Noninterest income to average assets | 0.2296% | 5,318 |
| Noninterest expense to average assets | 1.9762% | 5,573 |
| Loan and lease loss provision to assets | 0.0779% | 2,564 |
| Net operating income to assets | 2.1464% | 282 |
| Return on assets (ROA) | 2.1997% | 273 |
| Pretax return on assets | 2.1997% | 413 |
| Return on Equity (ROE) | 22.0073% | 195 |
| Retained earnings to average equity (ytd only) | -7.2195% | 6,100 |
| Net charge-offs to loans | 0.0076% | 3,626 |
| Credit loss provision to net charge-offs | 1,266.6667% | 283 |
| Earnings coverage of net charge-offs (x) | 361.6667% | 191 |
| Efficiency ratio | 47.0473% | 6,005 |
| Assets per employee ($millions) | 6.9080% | 865 |
| Cash dividends to net income (ytd only)* | 132.8052% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 4,510 |
| Loan loss allowance to noncurrent loans | 29,266.6667% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,908 |
| Noncurrent loans to loans | 0.0036% | 5,765 |
| Net loans and leases to total assets | 84.3277% | 349 |
| Net loans and leases to deposits | 103.2930% | 486 |
| Net loans and leases to core deposits | 120.8115% | 448 |
| Total domestic deposits to total assets | 81.6393% | 4,408 |
| Equity capital to assets | 9.7578% | 4,331 |
| Core capital (leverage) ratio | 9.6664% | 4,045 |
| Tier 1 risk-based capital ratio | 10.3992% | 5,956 |
| Total risk-based capital ratio | 11.3683% | 5,996 |
| Memoranda: | ||
| Average total assets | $97,560,330 | 4,601 |
| Average earning assets | $91,741,330 | 4,564 |
| Average equity | $9,751,330 | 4,796 |
| Average total loans | $78,858,000 | 3,921 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 757 |
| Cost of funding earning assets | 0.7291% | 739 |
| Net interest margin | 4.1356% | 1,192 |
| Noninterest income to average assets | 0.2041% | 5,493 |
| Noninterest expense to average assets | 1.8697% | 5,800 |
| Loan and lease loss provision to assets | 0.0776% | 2,403 |
| Net operating income to assets | 2.1473% | 254 |
| Return on assets (ROA) | 2.1473% | 271 |
| Pretax return on assets | 2.1473% | 435 |
| Return on Equity (ROE) | 21.2343% | 217 |
| Retained earnings to average equity (ytd only) | -2.9873% | 5,791 |
| Net charge-offs to loans | 0.0052% | 3,139 |
| Credit loss provision to net charge-offs | 1,900.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 97 |
| Efficiency ratio | 45.6630% | 6,120 |
| Assets per employee ($millions) | 6.9983% | 859 |
| Cash dividends to net income (ytd only)* | 114.0684% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 4,271 |
| Loan loss allowance to noncurrent loans | 382.6667% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 5,015 |
| Noncurrent loans to loans | 0.2999% | 4,715 |
| Net loans and leases to total assets | 75.6900% | 1,254 |
| Net loans and leases to deposits | 92.9764% | 1,093 |
| Net loans and leases to core deposits | 107.4847% | 846 |
| Total domestic deposits to total assets | 81.4077% | 4,701 |
| Equity capital to assets | 10.1229% | 3,982 |
| Core capital (leverage) ratio | 10.0260% | 3,567 |
| Tier 1 risk-based capital ratio | 11.6531% | 5,465 |
| Total risk-based capital ratio | 12.6876% | 5,500 |
| Memoranda: | ||
| Average total assets | $97,984,500 | 4,624 |
| Average earning assets | $92,174,500 | 4,591 |
| Average equity | $9,908,500 | 4,803 |
| Average total loans | $77,070,500 | 3,989 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1469% | 575 |
| Cost of funding earning assets | 0.7439% | 873 |
| Net interest margin | 4.4030% | 879 |
| Noninterest income to average assets | 0.2749% | 5,150 |
| Noninterest expense to average assets | 1.9943% | 5,772 |
| Loan and lease loss provision to assets | 0.0533% | 3,491 |
| Net operating income to assets | 2.3639% | 179 |
| Return on assets (ROA) | 2.3693% | 180 |
| Pretax return on assets | 2.3693% | 242 |
| Return on Equity (ROE) | 24.4460% | 117 |
| Retained earnings to average equity (ytd only) | 9.2772% | 651 |
| Net charge-offs to loans | 0.0144% | 4,594 |
| Credit loss provision to net charge-offs | 454.5455% | 575 |
| Earnings coverage of net charge-offs (x) | 206.2727% | 257 |
| Efficiency ratio | 45.2065% | 6,293 |
| Assets per employee ($millions) | 6.9995% | 842 |
| Cash dividends to net income (ytd only)* | 62.0504% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 4,729 |
| Loan loss allowance to noncurrent loans | 10,537.5000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,042 |
| Noncurrent loans to loans | 0.0101% | 5,878 |
| Net loans and leases to total assets | 79.8822% | 748 |
| Net loans and leases to deposits | 98.5013% | 721 |
| Net loans and leases to core deposits | 112.2135% | 687 |
| Total domestic deposits to total assets | 81.0976% | 4,720 |
| Equity capital to assets | 10.1017% | 3,983 |
| Core capital (leverage) ratio | 10.3697% | 3,090 |
| Tier 1 risk-based capital ratio | 11.3894% | 5,724 |
| Total risk-based capital ratio | 12.3717% | 5,799 |
| Memoranda: | ||
| Average total assets | $93,868,800 | 4,758 |
| Average earning assets | $88,189,400 | 4,696 |
| Average equity | $9,097,600 | 4,954 |
| Average total loans | $76,288,000 | 3,988 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 607 |
| Cost of funding earning assets | 0.7493% | 892 |
| Net interest margin | 4.3770% | 915 |
| Noninterest income to average assets | 0.2772% | 5,222 |
| Noninterest expense to average assets | 2.0178% | 5,738 |
| Loan and lease loss provision to assets | 0.0531% | 3,314 |
| Net operating income to assets | 2.3251% | 189 |
| Return on assets (ROA) | 2.3323% | 191 |
| Pretax return on assets | 2.3323% | 292 |
| Return on Equity (ROE) | 24.3365% | 115 |
| Retained earnings to average equity (ytd only) | 7.9274% | 1,398 |
| Net charge-offs to loans | 0.0459% | 3,576 |
| Credit loss provision to net charge-offs | 142.3077% | 1,658 |
| Earnings coverage of net charge-offs (x) | 63.6845% | 827 |
| Efficiency ratio | 45.9000% | 6,297 |
| Assets per employee ($millions) | 6.6669% | 933 |
| Cash dividends to net income (ytd only)* | 67.4259% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 5,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 83.4953% | 365 |
| Net loans and leases to deposits | 104.0842% | 399 |
| Net loans and leases to core deposits | 119.6267% | 403 |
| Total domestic deposits to total assets | 80.2190% | 5,044 |
| Equity capital to assets | 10.2596% | 3,847 |
| Core capital (leverage) ratio | 10.2347% | 3,364 |
| Tier 1 risk-based capital ratio | 11.0184% | 5,983 |
| Total risk-based capital ratio | 11.9678% | 6,072 |
| Memoranda: | ||
| Average total assets | $92,837,750 | 4,822 |
| Average earning assets | $87,364,250 | 4,761 |
| Average equity | $8,897,250 | 5,035 |
| Average total loans | $75,579,500 | 4,046 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 621 |
| Cost of funding earning assets | 0.7492% | 926 |
| Net interest margin | 4.3432% | 952 |
| Noninterest income to average assets | 0.2633% | 5,319 |
| Noninterest expense to average assets | 2.0157% | 5,815 |
| Loan and lease loss provision to assets | 0.0540% | 3,224 |
| Net operating income to assets | 2.2596% | 202 |
| Return on assets (ROA) | 2.2704% | 211 |
| Pretax return on assets | 2.2704% | 317 |
| Return on Equity (ROE) | 24.2648% | 128 |
| Retained earnings to average equity (ytd only) | 5.5818% | 2,595 |
| Net charge-offs to loans | 0.0295% | 3,605 |
| Credit loss provision to net charge-offs | 227.2727% | 1,056 |
| Earnings coverage of net charge-offs (x) | 97.4545% | 564 |
| Efficiency ratio | 46.5603% | 6,337 |
| Assets per employee ($millions) | 6.5959% | 963 |
| Cash dividends to net income (ytd only)* | 76.9962% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 4,800 |
| Loan loss allowance to noncurrent loans | 20,450.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 6,257 |
| Noncurrent loans to loans | 0.0055% | 6,078 |
| Net loans and leases to total assets | 77.9797% | 916 |
| Net loans and leases to deposits | 92.4554% | 1,103 |
| Net loans and leases to core deposits | 106.4829% | 870 |
| Total domestic deposits to total assets | 84.3430% | 3,803 |
| Equity capital to assets | 10.0139% | 4,088 |
| Core capital (leverage) ratio | 9.8445% | 3,824 |
| Tier 1 risk-based capital ratio | 11.4435% | 5,830 |
| Total risk-based capital ratio | 12.4641% | 5,889 |
| Memoranda: | ||
| Average total assets | $92,671,330 | 4,853 |
| Average earning assets | $86,756,000 | 4,814 |
| Average equity | $8,671,000 | 5,117 |
| Average total loans | $74,523,670 | 4,089 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 673 |
| Cost of funding earning assets | 0.7350% | 1,046 |
| Net interest margin | 4.3046% | 986 |
| Noninterest income to average assets | 0.2499% | 5,367 |
| Noninterest expense to average assets | 1.9777% | 5,925 |
| Loan and lease loss provision to assets | 0.0560% | 2,994 |
| Net operating income to assets | 2.2534% | 214 |
| Return on assets (ROA) | 2.2750% | 216 |
| Pretax return on assets | 2.2750% | 318 |
| Return on Equity (ROE) | 25.1938% | 115 |
| Retained earnings to average equity (ytd only) | 0.1431% | 5,502 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1307% | 6,420 |
| Assets per employee ($millions) | 6.5335% | 1,003 |
| Cash dividends to net income (ytd only)* | 99.4318% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,119 |
| Loan loss allowance to noncurrent loans | 3,268.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 6,218 |
| Noncurrent loans to loans | 0.0337% | 6,050 |
| Net loans and leases to total assets | 80.3146% | 514 |
| Net loans and leases to deposits | 94.8436% | 726 |
| Net loans and leases to core deposits | 110.1246% | 584 |
| Total domestic deposits to total assets | 84.6811% | 4,009 |
| Equity capital to assets | 9.6874% | 4,244 |
| Core capital (leverage) ratio | 9.6874% | 4,010 |
| Tier 1 risk-based capital ratio | 11.0519% | 6,135 |
| Total risk-based capital ratio | 12.0627% | 6,197 |
| Memoranda: | ||
| Average total assets | $92,836,000 | 4,898 |
| Average earning assets | $87,069,500 | 4,844 |
| Average equity | $8,383,000 | 5,204 |
| Average total loans | $75,372,500 | 4,086 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 599 |
| Cost of funding earning assets | 0.8297% | 1,038 |
| Net interest margin | 4.3990% | 911 |
| Noninterest income to average assets | 0.2713% | 5,413 |
| Noninterest expense to average assets | 2.0708% | 5,894 |
| Loan and lease loss provision to assets | 0.2862% | 1,205 |
| Net operating income to assets | 2.0353% | 319 |
| Return on assets (ROA) | 2.0376% | 321 |
| Pretax return on assets | 2.0376% | 441 |
| Return on Equity (ROE) | 23.1976% | 172 |
| Retained earnings to average equity (ytd only) | 5.2781% | 2,432 |
| Net charge-offs to loans | 0.2565% | 2,430 |
| Credit loss provision to net charge-offs | 138.1215% | 1,691 |
| Earnings coverage of net charge-offs (x) | 11.2044% | 2,264 |
| Efficiency ratio | 45.8692% | 6,562 |
| Assets per employee ($millions) | 6.7288% | 884 |
| Cash dividends to net income (ytd only)* | 77.2472% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 5,341 |
| Loan loss allowance to noncurrent loans | 2,061.5385% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 6,245 |
| Noncurrent loans to loans | 0.0510% | 6,078 |
| Net loans and leases to total assets | 80.3170% | 567 |
| Net loans and leases to deposits | 93.5958% | 908 |
| Net loans and leases to core deposits | 106.5408% | 769 |
| Total domestic deposits to total assets | 85.8126% | 3,356 |
| Equity capital to assets | 8.3915% | 5,702 |
| Core capital (leverage) ratio | 9.1835% | 4,744 |
| Tier 1 risk-based capital ratio | 9.7735% | 6,562 |
| Total risk-based capital ratio | 10.7341% | 6,588 |
| Memoranda: | ||
| Average total assets | $87,356,200 | 5,041 |
| Average earning assets | $81,837,000 | 4,990 |
| Average equity | $7,673,200 | 5,420 |
| Average total loans | $70,573,800 | 4,249 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2057% | 636 |
| Cost of funding earning assets | 0.8605% | 987 |
| Net interest margin | 4.3453% | 998 |
| Noninterest income to average assets | 0.2569% | 5,603 |
| Noninterest expense to average assets | 2.0596% | 5,908 |
| Loan and lease loss provision to assets | 0.3191% | 1,051 |
| Net operating income to assets | 1.9662% | 383 |
| Return on assets (ROA) | 1.9662% | 397 |
| Pretax return on assets | 1.9662% | 621 |
| Return on Equity (ROE) | 22.1130% | 200 |
| Retained earnings to average equity (ytd only) | 2.0660% | 5,091 |
| Net charge-offs to loans | 0.2701% | 2,199 |
| Credit loss provision to net charge-offs | 146.4286% | 1,610 |
| Earnings coverage of net charge-offs (x) | 10.4858% | 2,351 |
| Efficiency ratio | 47.4024% | 6,529 |
| Assets per employee ($millions) | 6.3436% | 1,009 |
| Cash dividends to net income (ytd only)* | 90.6571% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 5,481 |
| Loan loss allowance to noncurrent loans | 707.9646% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 6,051 |
| Noncurrent loans to loans | 0.1499% | 5,870 |
| Net loans and leases to total assets | 84.0052% | 248 |
| Net loans and leases to deposits | 104.4157% | 280 |
| Net loans and leases to core deposits | 120.5601% | 311 |
| Total domestic deposits to total assets | 80.4527% | 5,373 |
| Equity capital to assets | 8.6015% | 5,621 |
| Core capital (leverage) ratio | 9.3002% | 4,692 |
| Tier 1 risk-based capital ratio | 9.5141% | 6,682 |
| Total risk-based capital ratio | 10.4784% | 6,701 |
| Memoranda: | ||
| Average total assets | $85,644,500 | 5,138 |
| Average earning assets | $80,576,250 | 5,073 |
| Average equity | $7,615,250 | 5,490 |
| Average total loans | $69,101,000 | 4,336 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 728 |
| Cost of funding earning assets | 0.8904% | 945 |
| Net interest margin | 4.2380% | 1,173 |
| Noninterest income to average assets | 0.2459% | 5,692 |
| Noninterest expense to average assets | 2.1350% | 5,788 |
| Loan and lease loss provision to assets | 0.4256% | 706 |
| Net operating income to assets | 1.6692% | 661 |
| Return on assets (ROA) | 1.6692% | 724 |
| Pretax return on assets | 1.6692% | 1,186 |
| Return on Equity (ROE) | 18.5610% | 423 |
| Retained earnings to average equity (ytd only) | -6.0205% | 6,517 |
| Net charge-offs to loans | 0.4209% | 1,533 |
| Credit loss provision to net charge-offs | 127.6596% | 1,769 |
| Earnings coverage of net charge-offs (x) | 6.2837% | 2,742 |
| Efficiency ratio | 50.4751% | 6,391 |
| Assets per employee ($millions) | 5.9673% | 1,221 |
| Cash dividends to net income (ytd only)* | 132.4363% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 5,320 |
| Loan loss allowance to noncurrent loans | 265.9794% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 5,441 |
| Noncurrent loans to loans | 0.4247% | 5,198 |
| Net loans and leases to total assets | 81.0933% | 429 |
| Net loans and leases to deposits | 94.8359% | 753 |
| Net loans and leases to core deposits | 105.3952% | 771 |
| Total domestic deposits to total assets | 85.5091% | 3,639 |
| Equity capital to assets | 8.7273% | 5,510 |
| Core capital (leverage) ratio | 9.1317% | 4,781 |
| Tier 1 risk-based capital ratio | 9.9692% | 6,641 |
| Total risk-based capital ratio | 10.9918% | 6,668 |
| Memoranda: | ||
| Average total assets | $84,589,330 | 5,206 |
| Average earning assets | $79,518,670 | 5,132 |
| Average equity | $7,607,330 | 5,538 |
| Average total loans | $66,999,670 | 4,423 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0406% | 836 |
| Cost of funding earning assets | 0.8795% | 1,087 |
| Net interest margin | 4.1612% | 1,299 |
| Noninterest income to average assets | 0.2209% | 5,899 |
| Noninterest expense to average assets | 2.0490% | 6,008 |
| Loan and lease loss provision to assets | 0.7284% | 321 |
| Net operating income to assets | 1.3347% | 1,197 |
| Return on assets (ROA) | 1.3347% | 1,293 |
| Pretax return on assets | 1.3347% | 2,102 |
| Return on Equity (ROE) | 14.6288% | 835 |
| Retained earnings to average equity (ytd only) | -15.5045% | 6,757 |
| Net charge-offs to loans | 0.8635% | 703 |
| Credit loss provision to net charge-offs | 108.3916% | 1,713 |
| Earnings coverage of net charge-offs (x) | 3.0699% | 2,848 |
| Efficiency ratio | 49.8286% | 6,514 |
| Assets per employee ($millions) | 5.5883% | 1,588 |
| Cash dividends to net income (ytd only)* | 205.9859% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 5,340 |
| Loan loss allowance to noncurrent loans | 344.2396% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 5,789 |
| Noncurrent loans to loans | 0.3388% | 5,557 |
| Net loans and leases to total assets | 75.5154% | 899 |
| Net loans and leases to deposits | 89.4497% | 1,008 |
| Net loans and leases to core deposits | 100.5384% | 917 |
| Total domestic deposits to total assets | 84.4221% | 4,304 |
| Equity capital to assets | 9.0678% | 5,408 |
| Core capital (leverage) ratio | 9.0157% | 4,857 |
| Tier 1 risk-based capital ratio | 10.5255% | 6,571 |
| Total risk-based capital ratio | 11.5776% | 6,614 |
| Memoranda: | ||
| Average total assets | $85,113,000 | 5,228 |
| Average earning assets | $79,593,000 | 5,168 |
| Average equity | $7,765,500 | 5,559 |
| Average total loans | $66,239,000 | 4,486 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4337% | 713 |
| Cost of funding earning assets | 1.0173% | 1,267 |
| Net interest margin | 4.4164% | 1,130 |
| Noninterest income to average assets | 0.3047% | 5,262 |
| Noninterest expense to average assets | 2.0215% | 6,286 |
| Loan and lease loss provision to assets | 0.0713% | 4,845 |
| Net operating income to assets | 2.3794% | 185 |
| Return on assets (ROA) | 2.4761% | 169 |
| Pretax return on assets | 2.4761% | 263 |
| Return on Equity (ROE) | 26.7552% | 92 |
| Retained earnings to average equity (ytd only) | 5.5261% | 2,365 |
| Net charge-offs to loans | -0.0174% | 6,534 |
| Credit loss provision to net charge-offs | -536.3636% | 6,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2014% | 6,811 |
| Assets per employee ($millions) | 5.7601% | 1,462 |
| Cash dividends to net income (ytd only)* | 79.3457% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 5,659 |
| Loan loss allowance to noncurrent loans | 4,593.7500% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 6,629 |
| Noncurrent loans to loans | 0.0234% | 6,466 |
| Net loans and leases to total assets | 78.3500% | 634 |
| Net loans and leases to deposits | 93.8645% | 759 |
| Net loans and leases to core deposits | 104.5692% | 758 |
| Total domestic deposits to total assets | 83.4714% | 4,548 |
| Equity capital to assets | 9.1780% | 5,297 |
| Core capital (leverage) ratio | 9.2979% | 4,422 |
| Tier 1 risk-based capital ratio | 10.1991% | 6,651 |
| Total risk-based capital ratio | 11.1633% | 6,689 |
| Memoranda: | ||
| Average total assets | $82,711,400 | 5,281 |
| Average earning assets | $78,049,800 | 5,180 |
| Average equity | $7,654,600 | 5,596 |
| Average total loans | $63,130,200 | 4,594 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4122% | 815 |
| Cost of funding earning assets | 1.0403% | 1,340 |
| Net interest margin | 4.3719% | 1,272 |
| Noninterest income to average assets | 0.3211% | 5,213 |
| Noninterest expense to average assets | 2.0165% | 6,326 |
| Loan and lease loss provision to assets | 0.0962% | 4,373 |
| Net operating income to assets | 2.3670% | 221 |
| Return on assets (ROA) | 2.3670% | 238 |
| Pretax return on assets | 2.3670% | 363 |
| Return on Equity (ROE) | 25.5209% | 135 |
| Retained earnings to average equity (ytd only) | 3.1110% | 4,686 |
| Net charge-offs to loans | -0.0604% | 6,754 |
| Credit loss provision to net charge-offs | -210.7143% | 6,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0146% | 6,865 |
| Assets per employee ($millions) | 5.8281% | 1,353 |
| Cash dividends to net income (ytd only)* | 87.8101% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,699 |
| Loan loss allowance to noncurrent loans | 2,685.7143% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 6,683 |
| Noncurrent loans to loans | 0.0412% | 6,515 |
| Net loans and leases to total assets | 82.4323% | 310 |
| Net loans and leases to deposits | 101.5613% | 374 |
| Net loans and leases to core deposits | 114.0060% | 432 |
| Total domestic deposits to total assets | 81.1651% | 5,310 |
| Equity capital to assets | 9.5106% | 5,197 |
| Core capital (leverage) ratio | 9.6009% | 4,116 |
| Tier 1 risk-based capital ratio | 10.0090% | 6,798 |
| Total risk-based capital ratio | 11.0087% | 6,842 |
| Memoranda: | ||
| Average total assets | $81,788,750 | 5,358 |
| Average earning assets | $77,798,000 | 5,248 |
| Average equity | $7,585,750 | 5,674 |
| Average total loans | $61,805,000 | 4,694 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3132% | 1,027 |
| Cost of funding earning assets | 1.0755% | 1,329 |
| Net interest margin | 4.2377% | 1,643 |
| Noninterest income to average assets | 0.3128% | 5,312 |
| Noninterest expense to average assets | 2.0744% | 6,280 |
| Loan and lease loss provision to assets | 0.1442% | 3,717 |
| Net operating income to assets | 2.1184% | 330 |
| Return on assets (ROA) | 2.1184% | 367 |
| Pretax return on assets | 2.1184% | 565 |
| Return on Equity (ROE) | 23.0350% | 209 |
| Retained earnings to average equity (ytd only) | -2.2052% | 6,384 |
| Net charge-offs to loans | -0.0201% | 6,432 |
| Credit loss provision to net charge-offs | -983.3333% | 6,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8310% | 6,787 |
| Assets per employee ($millions) | 5.5941% | 1,535 |
| Cash dividends to net income (ytd only)* | 109.5732% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 5,285 |
| Loan loss allowance to noncurrent loans | 1,622.2222% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 6,674 |
| Noncurrent loans to loans | 0.0750% | 6,476 |
| Net loans and leases to total assets | 75.6541% | 1,012 |
| Net loans and leases to deposits | 91.3957% | 1,013 |
| Net loans and leases to core deposits | 102.4590% | 952 |
| Total domestic deposits to total assets | 82.7764% | 4,837 |
| Equity capital to assets | 9.4833% | 5,091 |
| Core capital (leverage) ratio | 8.9405% | 4,995 |
| Tier 1 risk-based capital ratio | 11.0284% | 6,482 |
| Total risk-based capital ratio | 12.1357% | 6,532 |
| Memoranda: | ||
| Average total assets | $81,854,000 | 5,383 |
| Average earning assets | $77,730,670 | 5,277 |
| Average equity | $7,527,670 | 5,702 |
| Average total loans | $59,736,330 | 4,799 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2440% | 1,218 |
| Cost of funding earning assets | 1.0770% | 1,512 |
| Net interest margin | 4.1670% | 1,862 |
| Noninterest income to average assets | 0.3109% | 5,397 |
| Noninterest expense to average assets | 1.9947% | 6,470 |
| Loan and lease loss provision to assets | 0.1435% | 3,565 |
| Net operating income to assets | 2.1334% | 330 |
| Return on assets (ROA) | 2.1334% | 384 |
| Pretax return on assets | 2.1334% | 599 |
| Return on Equity (ROE) | 23.5418% | 227 |
| Retained earnings to average equity (ytd only) | 7.7065% | 2,089 |
| Net charge-offs to loans | -0.0134% | 6,044 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6965% | 6,864 |
| Assets per employee ($millions) | 5.9112% | 1,340 |
| Cash dividends to net income (ytd only)* | 67.2646% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 5,574 |
| Loan loss allowance to noncurrent loans | 301.7316% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 4,458 |
| Noncurrent loans to loans | 0.3922% | 5,890 |
| Net loans and leases to total assets | 70.3373% | 1,701 |
| Net loans and leases to deposits | 84.0818% | 1,657 |
| Net loans and leases to core deposits | 98.1585% | 1,115 |
| Total domestic deposits to total assets | 83.6533% | 4,655 |
| Equity capital to assets | 9.2488% | 5,160 |
| Core capital (leverage) ratio | 9.0232% | 4,806 |
| Tier 1 risk-based capital ratio | 11.5469% | 6,254 |
| Total risk-based capital ratio | 12.6203% | 6,328 |
| Memoranda: | ||
| Average total assets | $83,622,500 | 5,372 |
| Average earning assets | $79,482,000 | 5,256 |
| Average equity | $7,578,000 | 5,715 |
| Average total loans | $59,614,500 | 4,833 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0530% | 397 |
| Cost of funding earning assets | 1.3583% | 1,204 |
| Net interest margin | 4.6947% | 763 |
| Noninterest income to average assets | 0.3616% | 4,926 |
| Noninterest expense to average assets | 2.1391% | 6,411 |
| Loan and lease loss provision to assets | 0.1584% | 4,651 |
| Net operating income to assets | 2.4519% | 141 |
| Return on assets (ROA) | 2.4519% | 149 |
| Pretax return on assets | 2.4519% | 223 |
| Return on Equity (ROE) | 26.2089% | 86 |
| Retained earnings to average equity (ytd only) | 11.3976% | 359 |
| Net charge-offs to loans | 0.1593% | 4,871 |
| Credit loss provision to net charge-offs | 127.6596% | 2,430 |
| Earnings coverage of net charge-offs (x) | 21.0426% | 1,109 |
| Efficiency ratio | 45.0403% | 7,089 |
| Assets per employee ($millions) | 6.0349% | 1,207 |
| Cash dividends to net income (ytd only)* | 56.5124% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,803 |
| Loan loss allowance to noncurrent loans | 2,216.6667% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 4,946 |
| Noncurrent loans to loans | 0.0497% | 6,697 |
| Net loans and leases to total assets | 70.6112% | 1,902 |
| Net loans and leases to deposits | 84.4129% | 1,871 |
| Net loans and leases to core deposits | 98.2025% | 1,314 |
| Total domestic deposits to total assets | 83.6497% | 4,472 |
| Equity capital to assets | 8.8794% | 5,697 |
| Core capital (leverage) ratio | 9.2018% | 4,465 |
| Tier 1 risk-based capital ratio | 11.2802% | 6,302 |
| Total risk-based capital ratio | 12.3005% | 6,411 |
| Memoranda: | ||
| Average total assets | $75,778,200 | 5,583 |
| Average earning assets | $70,823,800 | 5,510 |
| Average equity | $7,089,200 | 5,842 |
| Average total loans | $58,995,600 | 4,907 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2636% | 289 |
| Cost of funding earning assets | 1.4110% | 1,186 |
| Net interest margin | 4.8527% | 566 |
| Noninterest income to average assets | 0.3913% | 4,730 |
| Noninterest expense to average assets | 2.1141% | 6,483 |
| Loan and lease loss provision to assets | 0.1630% | 4,429 |
| Net operating income to assets | 2.6249% | 124 |
| Return on assets (ROA) | 2.6249% | 131 |
| Pretax return on assets | 2.6249% | 196 |
| Return on Equity (ROE) | 27.6546% | 84 |
| Retained earnings to average equity (ytd only) | 13.3407% | 349 |
| Net charge-offs to loans | 0.1182% | 4,843 |
| Credit loss provision to net charge-offs | 173.0769% | 1,729 |
| Earnings coverage of net charge-offs (x) | 29.5969% | 945 |
| Efficiency ratio | 43.1264% | 7,172 |
| Assets per employee ($millions) | 5.3356% | 1,765 |
| Cash dividends to net income (ytd only)* | 51.7601% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 6,028 |
| Loan loss allowance to noncurrent loans | 138.4458% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.5623% | 3,750 |
| Noncurrent loans to loans | 0.7631% | 5,345 |
| Net loans and leases to total assets | 84.8805% | 168 |
| Net loans and leases to deposits | 104.6910% | 295 |
| Net loans and leases to core deposits | 123.1313% | 322 |
| Total domestic deposits to total assets | 81.0771% | 5,408 |
| Equity capital to assets | 9.8958% | 4,484 |
| Core capital (leverage) ratio | 9.7595% | 3,756 |
| Tier 1 risk-based capital ratio | 10.4888% | 6,781 |
| Total risk-based capital ratio | 11.4691% | 6,873 |
| Memoranda: | ||
| Average total assets | $73,600,750 | 5,693 |
| Average earning assets | $68,414,500 | 5,636 |
| Average equity | $6,986,000 | 5,906 |
| Average total loans | $58,663,750 | 4,960 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1377% | 362 |
| Cost of funding earning assets | 1.4639% | 1,149 |
| Net interest margin | 4.6739% | 774 |
| Noninterest income to average assets | 0.3823% | 4,825 |
| Noninterest expense to average assets | 2.0509% | 6,689 |
| Loan and lease loss provision to assets | 0.1639% | 4,290 |
| Net operating income to assets | 2.5097% | 163 |
| Return on assets (ROA) | 2.5097% | 169 |
| Pretax return on assets | 2.5097% | 243 |
| Return on Equity (ROE) | 26.8295% | 102 |
| Retained earnings to average equity (ytd only) | 10.0428% | 831 |
| Net charge-offs to loans | 0.1196% | 4,515 |
| Credit loss provision to net charge-offs | 176.4706% | 1,701 |
| Earnings coverage of net charge-offs (x) | 28.7941% | 956 |
| Efficiency ratio | 43.4104% | 7,259 |
| Assets per employee ($millions) | 5.3188% | 1,738 |
| Cash dividends to net income (ytd only)* | 62.5680% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 5,849 |
| Loan loss allowance to noncurrent loans | 167.6768% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 1.4665% | 4,014 |
| Noncurrent loans to loans | 0.6708% | 5,565 |
| Net loans and leases to total assets | 78.3920% | 721 |
| Net loans and leases to deposits | 95.1568% | 787 |
| Net loans and leases to core deposits | 107.8445% | 822 |
| Total domestic deposits to total assets | 82.3819% | 5,031 |
| Equity capital to assets | 9.3953% | 4,982 |
| Core capital (leverage) ratio | 9.4708% | 3,994 |
| Tier 1 risk-based capital ratio | 10.7995% | 6,660 |
| Total risk-based capital ratio | 11.8404% | 6,749 |
| Memoranda: | ||
| Average total assets | $73,235,000 | 5,742 |
| Average earning assets | $68,038,000 | 5,694 |
| Average equity | $6,850,670 | 5,961 |
| Average total loans | $56,858,000 | 5,087 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1698% | 347 |
| Cost of funding earning assets | 1.4636% | 1,319 |
| Net interest margin | 4.7062% | 692 |
| Noninterest income to average assets | 0.4021% | 4,684 |
| Noninterest expense to average assets | 2.0215% | 6,798 |
| Loan and lease loss provision to assets | 0.1652% | 3,978 |
| Net operating income to assets | 2.5723% | 163 |
| Return on assets (ROA) | 2.5723% | 171 |
| Pretax return on assets | 2.5723% | 229 |
| Return on Equity (ROE) | 27.5598% | 111 |
| Retained earnings to average equity (ytd only) | 27.5598% | 74 |
| Net charge-offs to loans | -0.0072% | 6,292 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4769% | 7,333 |
| Assets per employee ($millions) | 5.0039% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,729 |
| Loan loss allowance to noncurrent loans | 224.0803% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 1.3946% | 4,201 |
| Noncurrent loans to loans | 0.5257% | 5,974 |
| Net loans and leases to total assets | 80.2327% | 492 |
| Net loans and leases to deposits | 98.3827% | 553 |
| Net loans and leases to core deposits | 105.9570% | 942 |
| Total domestic deposits to total assets | 81.5516% | 5,477 |
| Equity capital to assets | 10.0664% | 3,695 |
| Core capital (leverage) ratio | 9.7601% | 3,432 |
| Tier 1 risk-based capital ratio | 11.4663% | 6,127 |
| Total risk-based capital ratio | 12.5617% | 6,228 |
| Memoranda: | ||
| Average total assets | $72,621,000 | 5,801 |
| Average earning assets | $67,231,000 | 5,756 |
| Average equity | $6,778,000 | 5,992 |
| Average total loans | $55,768,500 | 5,184 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4176% | 368 |
| Cost of funding earning assets | 1.8797% | 910 |
| Net interest margin | 4.5379% | 1,157 |
| Noninterest income to average assets | 0.3514% | 5,290 |
| Noninterest expense to average assets | 2.0873% | 6,878 |
| Loan and lease loss provision to assets | 0.1666% | 5,551 |
| Net operating income to assets | 2.3317% | 148 |
| Return on assets (ROA) | 2.6470% | 103 |
| Pretax return on assets | 2.6470% | 161 |
| Return on Equity (ROE) | 28.9349% | 48 |
| Retained earnings to average equity (ytd only) | 8.8960% | 734 |
| Net charge-offs to loans | 0.0602% | 6,191 |
| Credit loss provision to net charge-offs | 363.6364% | 701 |
| Earnings coverage of net charge-offs (x) | 54.5152% | 430 |
| Efficiency ratio | 45.5179% | 7,373 |
| Assets per employee ($millions) | 5.7836% | 1,372 |
| Cash dividends to net income (ytd only)* | 69.2550% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 5,652 |
| Loan loss allowance to noncurrent loans | 225.4417% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 1.2781% | 4,477 |
| Noncurrent loans to loans | 0.5177% | 6,006 |
| Net loans and leases to total assets | 71.8502% | 2,134 |
| Net loans and leases to deposits | 86.1238% | 2,070 |
| Net loans and leases to core deposits | 94.1806% | 2,234 |
| Total domestic deposits to total assets | 83.4267% | 4,638 |
| Equity capital to assets | 8.6504% | 5,654 |
| Core capital (leverage) ratio | 8.9920% | 4,572 |
| Tier 1 risk-based capital ratio | 11.1041% | 6,248 |
| Total risk-based capital ratio | 12.1866% | 6,350 |
| Memoranda: | ||
| Average total assets | $72,007,400 | 5,814 |
| Average earning assets | $67,190,200 | 5,763 |
| Average equity | $6,587,200 | 6,171 |
| Average total loans | $54,809,800 | 5,280 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4426% | 380 |
| Cost of funding earning assets | 1.9386% | 904 |
| Net interest margin | 4.5041% | 1,248 |
| Noninterest income to average assets | 0.3932% | 5,013 |
| Noninterest expense to average assets | 1.9603% | 7,117 |
| Loan and lease loss provision to assets | 0.1685% | 5,359 |
| Net operating income to assets | 2.4883% | 135 |
| Return on assets (ROA) | 2.9133% | 90 |
| Pretax return on assets | 2.9133% | 134 |
| Return on Equity (ROE) | 31.3954% | 43 |
| Retained earnings to average equity (ytd only) | 19.4103% | 92 |
| Net charge-offs to loans | 0.0608% | 5,904 |
| Credit loss provision to net charge-offs | 360.0000% | 861 |
| Earnings coverage of net charge-offs (x) | 56.7642% | 509 |
| Efficiency ratio | 42.4574% | 7,513 |
| Assets per employee ($millions) | 5.5815% | 1,550 |
| Cash dividends to net income (ytd only)* | 38.1749% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 6,216 |
| Loan loss allowance to noncurrent loans | 2,281.4815% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 5,146 |
| Noncurrent loans to loans | 0.0456% | 7,132 |
| Net loans and leases to total assets | 80.7660% | 641 |
| Net loans and leases to deposits | 100.5646% | 617 |
| Net loans and leases to core deposits | 112.4429% | 909 |
| Total domestic deposits to total assets | 80.3126% | 5,609 |
| Equity capital to assets | 9.6570% | 4,604 |
| Core capital (leverage) ratio | 9.6800% | 3,650 |
| Tier 1 risk-based capital ratio | 10.9652% | 6,408 |
| Total risk-based capital ratio | 11.9411% | 6,626 |
| Memoranda: | ||
| Average total assets | $71,212,500 | 5,910 |
| Average earning assets | $66,782,500 | 5,839 |
| Average equity | $6,608,000 | 6,231 |
| Average total loans | $54,847,250 | 5,352 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3987% | 414 |
| Cost of funding earning assets | 1.9637% | 1,006 |
| Net interest margin | 4.4350% | 1,361 |
| Noninterest income to average assets | 0.3731% | 5,152 |
| Noninterest expense to average assets | 1.9530% | 7,181 |
| Loan and lease loss provision to assets | 0.1696% | 5,179 |
| Net operating income to assets | 2.3995% | 162 |
| Return on assets (ROA) | 2.4024% | 173 |
| Pretax return on assets | 2.4024% | 280 |
| Return on Equity (ROE) | 26.2548% | 103 |
| Retained earnings to average equity (ytd only) | 9.5753% | 948 |
| Net charge-offs to loans | 0.1086% | 5,075 |
| Credit loss provision to net charge-offs | 206.8966% | 1,875 |
| Earnings coverage of net charge-offs (x) | 31.3448% | 893 |
| Efficiency ratio | 43.1875% | 7,547 |
| Assets per employee ($millions) | 5.5718% | 1,558 |
| Cash dividends to net income (ytd only)* | 63.5294% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 6,091 |
| Loan loss allowance to noncurrent loans | 786.4865% | 433 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 5,060 |
| Noncurrent loans to loans | 0.1358% | 6,991 |
| Net loans and leases to total assets | 74.4398% | 1,821 |
| Net loans and leases to deposits | 90.7743% | 1,730 |
| Net loans and leases to core deposits | 101.9186% | 1,834 |
| Total domestic deposits to total assets | 82.0054% | 4,987 |
| Equity capital to assets | 9.0635% | 5,348 |
| Core capital (leverage) ratio | 8.8292% | 4,864 |
| Tier 1 risk-based capital ratio | 10.3702% | 6,784 |
| Total risk-based capital ratio | 11.3330% | 6,957 |
| Memoranda: | ||
| Average total assets | $70,763,670 | 5,954 |
| Average earning assets | $66,201,000 | 5,896 |
| Average equity | $6,475,000 | 6,308 |
| Average total loans | $53,390,000 | 5,451 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3820% | 454 |
| Cost of funding earning assets | 1.9741% | 1,175 |
| Net interest margin | 4.4079% | 1,367 |
| Noninterest income to average assets | 0.3947% | 4,955 |
| Noninterest expense to average assets | 1.9792% | 7,197 |
| Loan and lease loss provision to assets | 0.1716% | 4,810 |
| Net operating income to assets | 2.3567% | 186 |
| Return on assets (ROA) | 2.3624% | 209 |
| Pretax return on assets | 2.3624% | 317 |
| Return on Equity (ROE) | 25.6921% | 144 |
| Retained earnings to average equity (ytd only) | 25.0700% | 102 |
| Net charge-offs to loans | 0.1136% | 4,302 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 29.4667% | 881 |
| Efficiency ratio | 43.9086% | 7,624 |
| Assets per employee ($millions) | 5.3942% | 1,770 |
| Cash dividends to net income (ytd only)* | 2.4213% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 6,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 5,217 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 75.3722% | 1,671 |
| Net loans and leases to deposits | 91.7668% | 1,643 |
| Net loans and leases to core deposits | 102.8949% | 1,830 |
| Total domestic deposits to total assets | 82.1345% | 5,020 |
| Equity capital to assets | 9.4590% | 4,600 |
| Core capital (leverage) ratio | 9.0847% | 4,405 |
| Tier 1 risk-based capital ratio | 10.6824% | 6,461 |
| Total risk-based capital ratio | 11.6327% | 6,728 |
| Memoranda: | ||
| Average total assets | $69,929,000 | 6,047 |
| Average earning assets | $65,246,000 | 5,989 |
| Average equity | $6,430,000 | 6,372 |
| Average total loans | $52,834,500 | 5,544 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8388% | 358 |
| Cost of funding earning assets | 2.4412% | 1,184 |
| Net interest margin | 4.3976% | 1,438 |
| Noninterest income to average assets | 0.4175% | 5,068 |
| Noninterest expense to average assets | 2.4260% | 6,388 |
| Loan and lease loss provision to assets | 0.3558% | 4,669 |
| Net operating income to assets | 1.8250% | 337 |
| Return on assets (ROA) | 1.8171% | 358 |
| Pretax return on assets | 1.7729% | 669 |
| Return on Equity (ROE) | 19.6679% | 259 |
| Retained earnings to average equity (ytd only) | 12.4786% | 182 |
| Net charge-offs to loans | 0.4554% | 3,959 |
| Credit loss provision to net charge-offs | 96.9828% | 5,730 |
| Earnings coverage of net charge-offs (x) | 5.8233% | 2,490 |
| Efficiency ratio | 53.1716% | 7,307 |
| Assets per employee ($millions) | 5.3642% | 1,776 |
| Cash dividends to net income (ytd only)* | 36.5535% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 6,109 |
| Loan loss allowance to noncurrent loans | 1,669.6970% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 7,387 |
| Noncurrent loans to loans | 0.0632% | 7,265 |
| Net loans and leases to total assets | 74.1360% | 2,241 |
| Net loans and leases to deposits | 89.7099% | 2,259 |
| Net loans and leases to core deposits | 123.3990% | 1,683 |
| Total domestic deposits to total assets | 82.6397% | 4,685 |
| Equity capital to assets | 8.9296% | 5,251 |
| Core capital (leverage) ratio | 8.6095% | 5,080 |
| Tier 1 risk-based capital ratio | 9.8568% | 6,979 |
| Total risk-based capital ratio | 10.7682% | 7,188 |
| Memoranda: | ||
| Average total assets | $63,231,200 | 6,231 |
| Average earning assets | $59,601,000 | 6,141 |
| Average equity | $5,842,000 | 6,653 |
| Average total loans | $50,948,200 | 5,627 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8641% | 380 |
| Cost of funding earning assets | 2.5378% | 1,183 |
| Net interest margin | 4.3263% | 1,656 |
| Noninterest income to average assets | 0.4242% | 5,102 |
| Noninterest expense to average assets | 2.4521% | 6,240 |
| Loan and lease loss provision to assets | 0.1147% | 6,219 |
| Net operating income to assets | 2.0236% | 278 |
| Return on assets (ROA) | 2.0149% | 307 |
| Pretax return on assets | 1.9478% | 592 |
| Return on Equity (ROE) | 21.6038% | 221 |
| Retained earnings to average equity (ytd only) | 17.3109% | 99 |
| Net charge-offs to loans | -0.0105% | 7,691 |
| Credit loss provision to net charge-offs | -1,325.0000% | 7,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2105% | 7,213 |
| Assets per employee ($millions) | 5.1124% | 2,011 |
| Cash dividends to net income (ytd only)* | 19.8711% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,561 |
| Loan loss allowance to noncurrent loans | 64.8734% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.4264% | 4,253 |
| Noncurrent loans to loans | 1.7354% | 4,029 |
| Net loans and leases to total assets | 81.2702% | 933 |
| Net loans and leases to deposits | 99.8115% | 1,121 |
| Net loans and leases to core deposits | 140.3336% | 901 |
| Total domestic deposits to total assets | 81.4237% | 4,906 |
| Equity capital to assets | 9.3905% | 4,896 |
| Core capital (leverage) ratio | 8.9536% | 4,720 |
| Tier 1 risk-based capital ratio | 10.1216% | 6,858 |
| Total risk-based capital ratio | 11.1632% | 7,008 |
| Memoranda: | ||
| Average total assets | $61,605,500 | 6,329 |
| Average earning assets | $58,369,750 | 6,241 |
| Average equity | $5,745,750 | 6,758 |
| Average total loans | $50,623,000 | 5,684 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7286% | 516 |
| Cost of funding earning assets | 2.5118% | 1,571 |
| Net interest margin | 4.2168% | 1,933 |
| Noninterest income to average assets | 0.4734% | 4,685 |
| Noninterest expense to average assets | 2.4172% | 6,408 |
| Loan and lease loss provision to assets | 0.1000% | 6,174 |
| Net operating income to assets | 2.0538% | 263 |
| Return on assets (ROA) | 2.0371% | 294 |
| Pretax return on assets | 1.9304% | 654 |
| Return on Equity (ROE) | 21.8970% | 240 |
| Retained earnings to average equity (ytd only) | 15.2670% | 194 |
| Net charge-offs to loans | -0.0243% | 7,733 |
| Credit loss provision to net charge-offs | -500.0000% | 7,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1449% | 7,313 |
| Assets per employee ($millions) | 4.9701% | 2,111 |
| Cash dividends to net income (ytd only)* | 30.2782% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,432 |
| Loan loss allowance to noncurrent loans | 62.3950% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.4734% | 4,027 |
| Noncurrent loans to loans | 1.8015% | 3,801 |
| Net loans and leases to total assets | 80.8686% | 1,162 |
| Net loans and leases to deposits | 101.0091% | 1,172 |
| Net loans and leases to core deposits | 138.2348% | 1,094 |
| Total domestic deposits to total assets | 80.0607% | 5,454 |
| Equity capital to assets | 8.9675% | 5,363 |
| Core capital (leverage) ratio | 8.9065% | 4,774 |
| Tier 1 risk-based capital ratio | 9.9284% | 7,010 |
| Total risk-based capital ratio | 10.9711% | 7,156 |
| Memoranda: | ||
| Average total assets | $59,987,000 | 6,444 |
| Average earning assets | $56,772,670 | 6,355 |
| Average equity | $5,580,670 | 6,870 |
| Average total loans | $49,288,000 | 5,797 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9912% | 347 |
| Cost of funding earning assets | 2.5602% | 1,701 |
| Net interest margin | 4.4309% | 1,272 |
| Noninterest income to average assets | 0.5410% | 3,988 |
| Noninterest expense to average assets | 2.2332% | 6,745 |
| Loan and lease loss provision to assets | 0.0555% | 6,268 |
| Net operating income to assets | 2.6632% | 99 |
| Return on assets (ROA) | 2.6285% | 129 |
| Pretax return on assets | 2.4066% | 296 |
| Return on Equity (ROE) | 27.6946% | 134 |
| Retained earnings to average equity (ytd only) | 27.6946% | 64 |
| Net charge-offs to loans | -0.0253% | 7,502 |
| Credit loss provision to net charge-offs | -266.6667% | 6,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2141% | 7,775 |
| Assets per employee ($millions) | 4.6775% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 4,919 |
| Loan loss allowance to noncurrent loans | 61.2487% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.5278% | 3,643 |
| Noncurrent loans to loans | 1.9299% | 3,369 |
| Net loans and leases to total assets | 78.2282% | 1,768 |
| Net loans and leases to deposits | 101.7911% | 1,200 |
| Net loans and leases to core deposits | 129.4958% | 1,695 |
| Total domestic deposits to total assets | 76.8517% | 6,316 |
| Equity capital to assets | 9.3261% | 4,899 |
| Core capital (leverage) ratio | 9.5585% | 3,915 |
| Tier 1 risk-based capital ratio | 10.6964% | 6,187 |
| Total risk-based capital ratio | 11.7815% | 6,276 |
| Memoranda: | ||
| Average total assets | $57,675,000 | 6,554 |
| Average earning assets | $54,526,000 | 6,473 |
| Average equity | $5,474,000 | 6,955 |
| Average total loans | $47,510,000 | 5,889 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3984% | 495 |
| Cost of funding earning assets | 2.7665% | 2,848 |
| Net interest margin | 4.6319% | 1,092 |
| Noninterest income to average assets | 0.4911% | 4,675 |
| Noninterest expense to average assets | 3.0475% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0680% | 2,266 |
| Return on assets (ROA) | 1.0680% | 2,181 |
| Pretax return on assets | 1.6771% | 1,197 |
| Return on Equity (ROE) | 9.4465% | 2,458 |
| Retained earnings to average equity (ytd only) | 1.6693% | 4,216 |
| Net charge-offs to loans | -0.1836% | 8,157 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5030% | 5,453 |
| Assets per employee ($millions) | 4.1955% | 3,124 |
| Cash dividends to net income (ytd only)* | 82.3293% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 4,622 |
| Loan loss allowance to noncurrent loans | 1,594.2857% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 7,308 |
| Noncurrent loans to loans | 0.0747% | 7,201 |
| Net loans and leases to total assets | 84.9327% | 745 |
| Net loans and leases to deposits | 109.8714% | 844 |
| Net loans and leases to core deposits | 131.2629% | 1,769 |
| Total domestic deposits to total assets | 77.3019% | 5,916 |
| Equity capital to assets | 9.6751% | 4,459 |
| Core capital (leverage) ratio | 9.4746% | 4,045 |
| Tier 1 risk-based capital ratio | 10.3692% | 6,346 |
| Total risk-based capital ratio | 11.4755% | 6,356 |
| Memoranda: | ||
| Average total assets | $46,628,600 | 6,912 |
| Average earning assets | $42,617,200 | 6,919 |
| Average equity | $5,271,800 | 7,055 |
| Average total loans | $38,120,000 | 6,266 |