Home > Citizens Bank & Trust Company of Vivian, Louisiana > Performance and Condition Ratios
Citizens Bank & Trust Company of Vivian, Louisiana, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 3,277 |
| Cost of funding earning assets | 1.2527% | 2,654 |
| Net interest margin | 3.1453% | 2,986 |
| Noninterest income to average assets | 1.5900% | 364 |
| Noninterest expense to average assets | 4.3068% | 304 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.1046% | 4,249 |
| Return on assets (ROA) | 0.1046% | 4,275 |
| Pretax return on assets | 0.1046% | 4,275 |
| Return on Equity (ROE) | 1.9100% | 4,163 |
| Retained earnings to average equity (ytd only) | -2.4178% | 4,296 |
| Net charge-offs to loans | 0.0932% | 954 |
| Credit loss provision to net charge-offs | 63.9344% | 2,124 |
| Earnings coverage of net charge-offs (x) | 3.6230% | 2,631 |
| Efficiency ratio | 96.9391% | 236 |
| Assets per employee ($millions) | 3.1737% | 4,357 |
| Cash dividends to net income (ytd only)* | 226.4706% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 3,713 |
| Loan loss allowance to noncurrent loans | 25.7447% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.4916% | 256 |
| Noncurrent loans to loans | 3.4889% | 113 |
| Net loans and leases to total assets | 39.6800% | 4,048 |
| Net loans and leases to deposits | 45.9433% | 4,050 |
| Net loans and leases to core deposits | 50.8668% | 4,067 |
| Total domestic deposits to total assets | 86.3800% | 1,896 |
| Equity capital to assets | 5.5836% | 4,323 |
| Core capital (leverage) ratio | 10.3397% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $162,510,000 | 3,255 |
| Average earning assets | $147,206,000 | 3,275 |
| Average equity | $8,892,200 | 3,833 |
| Average total loans | $65,428,000 | 3,622 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 3,292 |
| Cost of funding earning assets | 1.1245% | 2,671 |
| Net interest margin | 3.1785% | 2,963 |
| Noninterest income to average assets | 1.6300% | 358 |
| Noninterest expense to average assets | 4.3992% | 292 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.0579% | 4,344 |
| Return on assets (ROA) | 0.0579% | 4,366 |
| Pretax return on assets | 0.0579% | 4,359 |
| Return on Equity (ROE) | 1.0600% | 4,311 |
| Retained earnings to average equity (ytd only) | -4.7904% | 4,422 |
| Net charge-offs to loans | 0.1273% | 634 |
| Credit loss provision to net charge-offs | 62.9032% | 1,843 |
| Earnings coverage of net charge-offs (x) | 1.9516% | 2,507 |
| Efficiency ratio | 97.7741% | 204 |
| Assets per employee ($millions) | 3.0521% | 4,389 |
| Cash dividends to net income (ytd only)* | 550.0000% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 3,851 |
| Loan loss allowance to noncurrent loans | 26.7849% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.3971% | 284 |
| Noncurrent loans to loans | 3.2058% | 125 |
| Net loans and leases to total assets | 43.1100% | 3,951 |
| Net loans and leases to deposits | 49.6359% | 3,951 |
| Net loans and leases to core deposits | 53.8626% | 3,938 |
| Total domestic deposits to total assets | 86.8600% | 1,933 |
| Equity capital to assets | 3.9732% | 4,406 |
| Core capital (leverage) ratio | 10.4705% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $161,085,750 | 3,281 |
| Average earning assets | $145,599,000 | 3,300 |
| Average equity | $8,767,250 | 3,853 |
| Average total loans | $64,946,000 | 3,635 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 3,284 |
| Cost of funding earning assets | 0.9922% | 2,629 |
| Net interest margin | 3.2140% | 2,953 |
| Noninterest income to average assets | 1.6000% | 304 |
| Noninterest expense to average assets | 4.3143% | 296 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.1666% | 4,317 |
| Return on assets (ROA) | 0.1666% | 4,342 |
| Pretax return on assets | 0.1666% | 4,351 |
| Return on Equity (ROE) | 2.8100% | 4,186 |
| Retained earnings to average equity (ytd only) | -2.6395% | 4,328 |
| Net charge-offs to loans | 0.1520% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.0417% | 2,284 |
| Efficiency ratio | 95.9624% | 225 |
| Assets per employee ($millions) | 3.3139% | 4,382 |
| Cash dividends to net income (ytd only)* | 194.0299% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 3,877 |
| Loan loss allowance to noncurrent loans | 27.7218% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.3179% | 293 |
| Noncurrent loans to loans | 3.0994% | 133 |
| Net loans and leases to total assets | 41.0700% | 4,001 |
| Net loans and leases to deposits | 45.7884% | 4,051 |
| Net loans and leases to core deposits | 49.0736% | 4,045 |
| Total domestic deposits to total assets | 89.7000% | 1,012 |
| Equity capital to assets | 5.4396% | 4,305 |
| Core capital (leverage) ratio | 10.7728% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $160,861,333 | 3,285 |
| Average earning assets | $144,930,667 | 3,315 |
| Average equity | $9,547,333 | 3,794 |
| Average total loans | $63,147,667 | 3,671 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 3,229 |
| Cost of funding earning assets | 0.8159% | 2,679 |
| Net interest margin | 3.2971% | 2,883 |
| Noninterest income to average assets | 1.6200% | 299 |
| Noninterest expense to average assets | 4.4722% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0949% | 4,434 |
| Return on assets (ROA) | 0.0949% | 4,409 |
| Pretax return on assets | 0.0949% | 4,407 |
| Return on Equity (ROE) | 1.5300% | 4,341 |
| Retained earnings to average equity (ytd only) | -6.6233% | 4,388 |
| Net charge-offs to loans | 0.1768% | 409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.4074% | 1,970 |
| Efficiency ratio | 97.9212% | 202 |
| Assets per employee ($millions) | 3.2819% | 4,456 |
| Cash dividends to net income (ytd only)* | 531.5789% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 3,683 |
| Loan loss allowance to noncurrent loans | 26.1552% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.4732% | 230 |
| Noncurrent loans to loans | 3.6644% | 103 |
| Net loans and leases to total assets | 38.5600% | 4,096 |
| Net loans and leases to deposits | 41.9272% | 4,166 |
| Net loans and leases to core deposits | 44.7642% | 4,149 |
| Total domestic deposits to total assets | 91.9600% | 526 |
| Equity capital to assets | 6.4722% | 4,038 |
| Core capital (leverage) ratio | 10.8635% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $160,100,500 | 3,338 |
| Average earning assets | $143,155,500 | 3,373 |
| Average equity | $9,904,500 | 3,797 |
| Average total loans | $61,085,500 | 3,746 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 2,832 |
| Cost of funding earning assets | 0.4931% | 1,442 |
| Net interest margin | 3.0960% | 3,183 |
| Noninterest income to average assets | 1.8400% | 278 |
| Noninterest expense to average assets | 4.0414% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5504% | 3,988 |
| Return on assets (ROA) | 0.5210% | 4,007 |
| Pretax return on assets | 0.5210% | 4,148 |
| Return on Equity (ROE) | 7.0000% | 3,639 |
| Retained earnings to average equity (ytd only) | 1.5649% | 4,083 |
| Net charge-offs to loans | 0.0702% | 941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 21.2727% | 1,861 |
| Efficiency ratio | 88.0138% | 359 |
| Assets per employee ($millions) | 3.3913% | 4,469 |
| Cash dividends to net income (ytd only)* | 77.6524% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,069 |
| Loan loss allowance to noncurrent loans | 27.2141% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.5158% | 211 |
| Noncurrent loans to loans | 3.9047% | 93 |
| Net loans and leases to total assets | 36.9800% | 4,180 |
| Net loans and leases to deposits | 39.5056% | 4,260 |
| Net loans and leases to core deposits | 40.9670% | 4,253 |
| Total domestic deposits to total assets | 93.6000% | 289 |
| Equity capital to assets | 5.8981% | 4,133 |
| Core capital (leverage) ratio | 11.5185% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $170,064,000 | 3,269 |
| Average earning assets | $151,097,200 | 3,318 |
| Average equity | $12,652,200 | 3,608 |
| Average total loans | $62,714,000 | 3,684 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4305% | 2,833 |
| Cost of funding earning assets | 0.4827% | 826 |
| Net interest margin | 2.9477% | 3,365 |
| Noninterest income to average assets | 1.9800% | 271 |
| Noninterest expense to average assets | 4.0563% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5442% | 3,982 |
| Return on assets (ROA) | 0.5442% | 3,924 |
| Pretax return on assets | 0.5442% | 4,082 |
| Return on Equity (ROE) | 6.9800% | 3,597 |
| Retained earnings to average equity (ytd only) | 0.1683% | 4,313 |
| Net charge-offs to loans | 0.0147% | 1,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 100.7143% | 947 |
| Efficiency ratio | 88.1711% | 383 |
| Assets per employee ($millions) | 3.3926% | 4,506 |
| Cash dividends to net income (ytd only)* | 97.5887% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 2,828 |
| Loan loss allowance to noncurrent loans | 28.8048% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.4695% | 234 |
| Noncurrent loans to loans | 3.9658% | 96 |
| Net loans and leases to total assets | 35.6100% | 4,245 |
| Net loans and leases to deposits | 37.8622% | 4,308 |
| Net loans and leases to core deposits | 39.3585% | 4,297 |
| Total domestic deposits to total assets | 94.0400% | 349 |
| Equity capital to assets | 5.3886% | 4,165 |
| Core capital (leverage) ratio | 10.8236% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $172,732,500 | 3,275 |
| Average earning assets | $153,288,500 | 3,319 |
| Average equity | $13,465,000 | 3,565 |
| Average total loans | $63,500,250 | 3,698 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2577% | 2,879 |
| Cost of funding earning assets | 0.4869% | 560 |
| Net interest margin | 2.7708% | 3,524 |
| Noninterest income to average assets | 1.9792% | 237 |
| Noninterest expense to average assets | 3.9266% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4965% | 3,903 |
| Return on assets (ROA) | 0.4965% | 3,857 |
| Pretax return on assets | 0.4965% | 4,007 |
| Return on Equity (ROE) | 5.8157% | 3,623 |
| Retained earnings to average equity (ytd only) | -0.3992% | 4,227 |
| Net charge-offs to loans | 0.0246% | 1,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 54.6250% | 1,120 |
| Efficiency ratio | 88.7747% | 468 |
| Assets per employee ($millions) | 3.1555% | 4,608 |
| Cash dividends to net income (ytd only)* | 106.8650% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,433 |
| Loan loss allowance to noncurrent loans | 29.7996% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.3886% | 273 |
| Noncurrent loans to loans | 3.4814% | 125 |
| Net loans and leases to total assets | 36.7701% | 4,217 |
| Net loans and leases to deposits | 39.6095% | 4,278 |
| Net loans and leases to core deposits | 41.0921% | 4,294 |
| Total domestic deposits to total assets | 92.8316% | 557 |
| Equity capital to assets | 6.6752% | 3,947 |
| Core capital (leverage) ratio | 10.4439% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,029,000 | 3,278 |
| Average earning assets | $155,262,333 | 3,348 |
| Average equity | $15,028,333 | 3,486 |
| Average total loans | $65,116,667 | 3,708 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1295% | 2,880 |
| Cost of funding earning assets | 0.4901% | 521 |
| Net interest margin | 2.6394% | 3,557 |
| Noninterest income to average assets | 1.8909% | 261 |
| Noninterest expense to average assets | 3.7525% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4716% | 3,786 |
| Return on assets (ROA) | 0.4716% | 3,751 |
| Pretax return on assets | 0.4716% | 3,917 |
| Return on Equity (ROE) | 4.9910% | 3,628 |
| Retained earnings to average equity (ytd only) | 0.6448% | 3,888 |
| Net charge-offs to loans | 0.0672% | 659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,295 |
| Efficiency ratio | 88.8355% | 605 |
| Assets per employee ($millions) | 3.4714% | 4,566 |
| Cash dividends to net income (ytd only)* | 87.0813% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,601 |
| Loan loss allowance to noncurrent loans | 24.0955% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.6443% | 208 |
| Noncurrent loans to loans | 4.2623% | 85 |
| Net loans and leases to total assets | 36.2526% | 4,193 |
| Net loans and leases to deposits | 39.7811% | 4,256 |
| Net loans and leases to core deposits | 41.9567% | 4,242 |
| Total domestic deposits to total assets | 91.1303% | 967 |
| Equity capital to assets | 8.4122% | 3,228 |
| Core capital (leverage) ratio | 10.3975% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,266,500 | 3,280 |
| Average earning assets | $156,704,000 | 3,354 |
| Average equity | $16,750,000 | 3,419 |
| Average total loans | $65,432,500 | 3,710 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 3,211 |
| Cost of funding earning assets | 0.5379% | 758 |
| Net interest margin | 2.7645% | 3,743 |
| Noninterest income to average assets | 2.3918% | 244 |
| Noninterest expense to average assets | 4.1926% | 256 |
| Loan and lease loss provision to assets | 0.1189% | 1,051 |
| Net operating income to assets | 0.5550% | 3,968 |
| Return on assets (ROA) | 0.5783% | 3,967 |
| Pretax return on assets | 0.5783% | 4,138 |
| Return on Equity (ROE) | 5.2248% | 3,947 |
| Retained earnings to average equity (ytd only) | 0.1843% | 4,444 |
| Net charge-offs to loans | 0.1819% | 531 |
| Credit loss provision to net charge-offs | 148.9051% | 1,497 |
| Earnings coverage of net charge-offs (x) | 8.4380% | 2,299 |
| Efficiency ratio | 86.1524% | 468 |
| Assets per employee ($millions) | 3.6978% | 4,531 |
| Cash dividends to net income (ytd only)* | 96.4718% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,641 |
| Loan loss allowance to noncurrent loans | 23.4256% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 225 |
| Noncurrent loans to loans | 4.3777% | 91 |
| Net loans and leases to total assets | 36.8129% | 4,252 |
| Net loans and leases to deposits | 41.3262% | 4,294 |
| Net loans and leases to core deposits | 43.6316% | 4,281 |
| Total domestic deposits to total assets | 89.0789% | 1,469 |
| Equity capital to assets | 10.4833% | 2,195 |
| Core capital (leverage) ratio | 10.3758% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,541,000 | 3,288 |
| Average earning assets | $153,556,600 | 3,341 |
| Average equity | $18,986,200 | 3,301 |
| Average total loans | $75,317,200 | 3,552 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 3,055 |
| Cost of funding earning assets | 0.5461% | 852 |
| Net interest margin | 2.8712% | 3,614 |
| Noninterest income to average assets | 2.4541% | 247 |
| Noninterest expense to average assets | 4.1845% | 253 |
| Loan and lease loss provision to assets | 0.1599% | 692 |
| Net operating income to assets | 0.6860% | 3,801 |
| Return on assets (ROA) | 0.7174% | 3,788 |
| Pretax return on assets | 0.7174% | 4,043 |
| Return on Equity (ROE) | 6.3936% | 3,822 |
| Retained earnings to average equity (ytd only) | -0.2935% | 4,597 |
| Net charge-offs to loans | 0.1442% | 569 |
| Credit loss provision to net charge-offs | 242.8571% | 1,118 |
| Earnings coverage of net charge-offs (x) | 12.8452% | 1,940 |
| Efficiency ratio | 83.1827% | 568 |
| Assets per employee ($millions) | 3.3969% | 4,674 |
| Cash dividends to net income (ytd only)* | 104.5902% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,774 |
| Loan loss allowance to noncurrent loans | 30.3408% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 355 |
| Noncurrent loans to loans | 3.3644% | 174 |
| Net loans and leases to total assets | 40.0726% | 4,202 |
| Net loans and leases to deposits | 45.2068% | 4,270 |
| Net loans and leases to core deposits | 47.5868% | 4,257 |
| Total domestic deposits to total assets | 88.6428% | 1,490 |
| Equity capital to assets | 10.7565% | 2,212 |
| Core capital (leverage) ratio | 10.3813% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,053,250 | 3,337 |
| Average earning assets | $152,589,500 | 3,383 |
| Average equity | $19,081,000 | 3,338 |
| Average total loans | $77,642,250 | 3,569 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 2,683 |
| Cost of funding earning assets | 0.5495% | 944 |
| Net interest margin | 3.0313% | 3,242 |
| Noninterest income to average assets | 2.4544% | 254 |
| Noninterest expense to average assets | 4.2393% | 245 |
| Loan and lease loss provision to assets | 0.2431% | 408 |
| Net operating income to assets | 0.7065% | 3,747 |
| Return on assets (ROA) | 0.7542% | 3,700 |
| Pretax return on assets | 0.7542% | 3,961 |
| Return on Equity (ROE) | 6.6255% | 3,747 |
| Retained earnings to average equity (ytd only) | -0.7536% | 4,584 |
| Net charge-offs to loans | 0.1933% | 444 |
| Credit loss provision to net charge-offs | 264.9351% | 947 |
| Earnings coverage of net charge-offs (x) | 10.3506% | 1,801 |
| Efficiency ratio | 81.6992% | 691 |
| Assets per employee ($millions) | 3.3931% | 4,700 |
| Cash dividends to net income (ytd only)* | 111.3744% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 4,001 |
| Loan loss allowance to noncurrent loans | 30.3292% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.6891% | 303 |
| Noncurrent loans to loans | 3.1295% | 224 |
| Net loans and leases to total assets | 44.4446% | 4,015 |
| Net loans and leases to deposits | 50.2532% | 4,091 |
| Net loans and leases to core deposits | 52.9566% | 4,087 |
| Total domestic deposits to total assets | 88.4413% | 1,594 |
| Equity capital to assets | 10.9774% | 1,991 |
| Core capital (leverage) ratio | 10.6063% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,858,667 | 3,360 |
| Average earning assets | $151,421,667 | 3,398 |
| Average equity | $19,108,000 | 3,329 |
| Average total loans | $79,685,333 | 3,557 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 2,764 |
| Cost of funding earning assets | 0.5528% | 1,083 |
| Net interest margin | 3.0072% | 3,240 |
| Noninterest income to average assets | 1.9694% | 388 |
| Noninterest expense to average assets | 4.0985% | 265 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6218% | 3,887 |
| Return on assets (ROA) | 0.7186% | 3,734 |
| Pretax return on assets | 0.7186% | 3,979 |
| Return on Equity (ROE) | 6.1780% | 3,813 |
| Retained earnings to average equity (ytd only) | -2.1633% | 4,549 |
| Net charge-offs to loans | 0.0347% | 1,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 36.7143% | 1,012 |
| Efficiency ratio | 86.8273% | 483 |
| Assets per employee ($millions) | 3.3364% | 4,749 |
| Cash dividends to net income (ytd only)* | 135.0168% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 4,537 |
| Loan loss allowance to noncurrent loans | 77.8065% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 1,094 |
| Noncurrent loans to loans | 0.9285% | 1,458 |
| Net loans and leases to total assets | 48.7006% | 3,744 |
| Net loans and leases to deposits | 55.1013% | 3,858 |
| Net loans and leases to core deposits | 57.8162% | 3,849 |
| Total domestic deposits to total assets | 88.3837% | 1,661 |
| Equity capital to assets | 11.0392% | 1,828 |
| Core capital (leverage) ratio | 11.1264% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,330,000 | 3,383 |
| Average earning assets | $151,236,000 | 3,403 |
| Average equity | $19,229,500 | 3,307 |
| Average total loans | $80,704,500 | 3,546 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 2,541 |
| Cost of funding earning assets | 0.6447% | 2,032 |
| Net interest margin | 3.4178% | 2,718 |
| Noninterest income to average assets | 2.3399% | 267 |
| Noninterest expense to average assets | 4.4710% | 259 |
| Loan and lease loss provision to assets | 0.1143% | 2,919 |
| Net operating income to assets | 0.8819% | 2,776 |
| Return on assets (ROA) | 1.0154% | 2,377 |
| Pretax return on assets | 1.0154% | 2,993 |
| Return on Equity (ROE) | 8.0908% | 2,777 |
| Retained earnings to average equity (ytd only) | 3.5796% | 3,047 |
| Net charge-offs to loans | 0.0813% | 1,664 |
| Credit loss provision to net charge-offs | 270.3125% | 1,842 |
| Earnings coverage of net charge-offs (x) | 23.5625% | 1,801 |
| Efficiency ratio | 81.7786% | 760 |
| Assets per employee ($millions) | 3.1471% | 4,777 |
| Cash dividends to net income (ytd only)* | 55.7580% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,455 |
| Loan loss allowance to noncurrent loans | 75.3086% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.9339% | 1,041 |
| Noncurrent loans to loans | 1.0393% | 1,369 |
| Net loans and leases to total assets | 48.1788% | 3,962 |
| Net loans and leases to deposits | 55.2501% | 4,052 |
| Net loans and leases to core deposits | 56.9938% | 4,100 |
| Total domestic deposits to total assets | 87.2014% | 1,841 |
| Equity capital to assets | 12.2584% | 1,446 |
| Core capital (leverage) ratio | 11.4361% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,376,000 | 3,391 |
| Average earning assets | $138,510,200 | 3,400 |
| Average equity | $18,996,800 | 3,280 |
| Average total loans | $78,712,200 | 3,576 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 2,395 |
| Cost of funding earning assets | 0.6647% | 2,230 |
| Net interest margin | 3.5386% | 2,462 |
| Noninterest income to average assets | 1.9880% | 321 |
| Noninterest expense to average assets | 4.3399% | 284 |
| Loan and lease loss provision to assets | 0.0999% | 3,072 |
| Net operating income to assets | 0.7852% | 3,151 |
| Return on assets (ROA) | 0.9551% | 2,634 |
| Pretax return on assets | 0.9551% | 3,213 |
| Return on Equity (ROE) | 7.5633% | 2,983 |
| Retained earnings to average equity (ytd only) | 1.4943% | 4,085 |
| Net charge-offs to loans | 0.0659% | 1,672 |
| Credit loss provision to net charge-offs | 287.1795% | 1,805 |
| Earnings coverage of net charge-offs (x) | 25.3846% | 1,725 |
| Efficiency ratio | 83.0566% | 668 |
| Assets per employee ($millions) | 3.1799% | 4,790 |
| Cash dividends to net income (ytd only)* | 80.2434% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 4,657 |
| Loan loss allowance to noncurrent loans | 37.6147% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 679 |
| Noncurrent loans to loans | 1.7386% | 773 |
| Net loans and leases to total assets | 53.7673% | 3,821 |
| Net loans and leases to deposits | 61.4554% | 3,959 |
| Net loans and leases to core deposits | 63.4771% | 4,032 |
| Total domestic deposits to total assets | 87.4899% | 1,457 |
| Equity capital to assets | 11.8312% | 1,781 |
| Core capital (leverage) ratio | 11.2277% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,094,500 | 3,401 |
| Average earning assets | $136,395,500 | 3,405 |
| Average equity | $18,827,250 | 3,296 |
| Average total loans | $78,905,750 | 3,595 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,894 |
| Cost of funding earning assets | 0.6982% | 2,391 |
| Net interest margin | 3.8086% | 1,815 |
| Noninterest income to average assets | 1.8682% | 319 |
| Noninterest expense to average assets | 4.4592% | 261 |
| Loan and lease loss provision to assets | 0.1548% | 2,451 |
| Net operating income to assets | 0.7365% | 3,254 |
| Return on assets (ROA) | 0.9991% | 2,455 |
| Pretax return on assets | 0.9991% | 3,033 |
| Return on Equity (ROE) | 7.7296% | 2,853 |
| Retained earnings to average equity (ytd only) | 2.5338% | 3,568 |
| Net charge-offs to loans | 0.0211% | 2,300 |
| Credit loss provision to net charge-offs | 1,400.0000% | 626 |
| Earnings coverage of net charge-offs (x) | 80.6250% | 802 |
| Efficiency ratio | 83.3419% | 673 |
| Assets per employee ($millions) | 3.0362% | 4,846 |
| Cash dividends to net income (ytd only)* | 67.2199% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 4,463 |
| Loan loss allowance to noncurrent loans | 37.3687% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 714 |
| Noncurrent loans to loans | 2.0084% | 671 |
| Net loans and leases to total assets | 50.6752% | 4,124 |
| Net loans and leases to deposits | 58.1175% | 4,214 |
| Net loans and leases to core deposits | 60.0828% | 4,256 |
| Total domestic deposits to total assets | 87.1944% | 1,548 |
| Equity capital to assets | 12.1577% | 1,565 |
| Core capital (leverage) ratio | 12.0000% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,735,000 | 3,431 |
| Average earning assets | $132,332,333 | 3,441 |
| Average equity | $18,707,333 | 3,300 |
| Average total loans | $75,951,000 | 3,649 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,217 |
| Cost of funding earning assets | 0.7193% | 2,844 |
| Net interest margin | 3.8137% | 1,925 |
| Noninterest income to average assets | 1.8066% | 303 |
| Noninterest expense to average assets | 4.3920% | 333 |
| Loan and lease loss provision to assets | 0.0347% | 3,332 |
| Net operating income to assets | 0.8338% | 2,777 |
| Return on assets (ROA) | 0.9757% | 2,364 |
| Pretax return on assets | 0.9757% | 2,915 |
| Return on Equity (ROE) | 7.3009% | 2,831 |
| Retained earnings to average equity (ytd only) | 3.7913% | 2,764 |
| Net charge-offs to loans | 0.0706% | 1,322 |
| Credit loss provision to net charge-offs | 92.3077% | 1,886 |
| Earnings coverage of net charge-offs (x) | 23.0769% | 1,337 |
| Efficiency ratio | 83.4893% | 864 |
| Assets per employee ($millions) | 2.5499% | 4,940 |
| Cash dividends to net income (ytd only)* | 48.0712% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6676% | 4,659 |
| Loan loss allowance to noncurrent loans | 32.4675% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.5549% | 679 |
| Noncurrent loans to loans | 2.0562% | 674 |
| Net loans and leases to total assets | 54.0295% | 3,990 |
| Net loans and leases to deposits | 62.8874% | 4,051 |
| Net loans and leases to core deposits | 64.2101% | 4,156 |
| Total domestic deposits to total assets | 85.9147% | 2,030 |
| Equity capital to assets | 13.3532% | 1,281 |
| Core capital (leverage) ratio | 13.1164% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,160,500 | 3,477 |
| Average earning assets | $125,127,500 | 3,505 |
| Average equity | $18,463,500 | 3,325 |
| Average total loans | $73,620,000 | 3,687 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 2,185 |
| Cost of funding earning assets | 0.8300% | 2,529 |
| Net interest margin | 3.9236% | 2,098 |
| Noninterest income to average assets | 1.6906% | 339 |
| Noninterest expense to average assets | 4.5148% | 301 |
| Loan and lease loss provision to assets | 0.1430% | 1,491 |
| Net operating income to assets | 0.5893% | 4,195 |
| Return on assets (ROA) | 0.7695% | 3,725 |
| Pretax return on assets | 0.7695% | 4,047 |
| Return on Equity (ROE) | 5.9577% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.1483% | 3,920 |
| Net charge-offs to loans | 0.1673% | 1,208 |
| Credit loss provision to net charge-offs | 168.0672% | 1,540 |
| Earnings coverage of net charge-offs (x) | 8.6050% | 2,755 |
| Efficiency ratio | 86.0433% | 536 |
| Assets per employee ($millions) | 2.4320% | 5,020 |
| Cash dividends to net income (ytd only)* | 63.9405% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6925% | 4,591 |
| Loan loss allowance to noncurrent loans | 29.5750% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.7010% | 543 |
| Noncurrent loans to loans | 2.3416% | 501 |
| Net loans and leases to total assets | 51.8251% | 4,241 |
| Net loans and leases to deposits | 60.3121% | 4,271 |
| Net loans and leases to core deposits | 63.4165% | 4,308 |
| Total domestic deposits to total assets | 85.9281% | 2,095 |
| Equity capital to assets | 13.3743% | 1,336 |
| Core capital (leverage) ratio | 12.6205% | 1,420 |
| Tier 1 risk-based capital ratio | 21.1469% | 1,141 |
| Total risk-based capital ratio | 21.7516% | 1,223 |
| Memoranda: | ||
| Average total assets | $139,830,000 | 3,437 |
| Average earning assets | $126,746,000 | 3,474 |
| Average equity | $18,060,600 | 3,331 |
| Average total loans | $71,115,000 | 3,756 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 2,230 |
| Cost of funding earning assets | 0.8239% | 2,600 |
| Net interest margin | 3.9421% | 2,126 |
| Noninterest income to average assets | 1.7345% | 329 |
| Noninterest expense to average assets | 4.4329% | 320 |
| Loan and lease loss provision to assets | 0.1427% | 1,345 |
| Net operating income to assets | 0.7326% | 3,902 |
| Return on assets (ROA) | 0.9115% | 3,385 |
| Pretax return on assets | 0.9115% | 3,837 |
| Return on Equity (ROE) | 7.1195% | 3,633 |
| Retained earnings to average equity (ytd only) | 2.0065% | 4,266 |
| Net charge-offs to loans | 0.1036% | 1,439 |
| Credit loss provision to net charge-offs | 272.7273% | 1,021 |
| Earnings coverage of net charge-offs (x) | 16.7277% | 2,129 |
| Efficiency ratio | 83.5096% | 649 |
| Assets per employee ($millions) | 2.6348% | 5,036 |
| Cash dividends to net income (ytd only)* | 71.8163% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 4,639 |
| Loan loss allowance to noncurrent loans | 24.9153% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.9328% | 471 |
| Noncurrent loans to loans | 2.8311% | 369 |
| Net loans and leases to total assets | 50.9520% | 4,376 |
| Net loans and leases to deposits | 59.1984% | 4,418 |
| Net loans and leases to core deposits | 62.6924% | 4,431 |
| Total domestic deposits to total assets | 86.0698% | 1,967 |
| Equity capital to assets | 13.0819% | 1,581 |
| Core capital (leverage) ratio | 12.5917% | 1,531 |
| Tier 1 risk-based capital ratio | 21.2676% | 1,158 |
| Total risk-based capital ratio | 21.8970% | 1,220 |
| Memoranda: | ||
| Average total assets | $140,131,500 | 3,471 |
| Average earning assets | $127,034,250 | 3,507 |
| Average equity | $17,940,750 | 3,369 |
| Average total loans | $70,808,000 | 3,804 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 2,030 |
| Cost of funding earning assets | 0.8241% | 2,530 |
| Net interest margin | 3.9862% | 1,962 |
| Noninterest income to average assets | 1.7444% | 321 |
| Noninterest expense to average assets | 4.4916% | 311 |
| Loan and lease loss provision to assets | 0.1793% | 999 |
| Net operating income to assets | 0.6886% | 4,039 |
| Return on assets (ROA) | 0.9109% | 3,302 |
| Pretax return on assets | 0.9109% | 3,815 |
| Return on Equity (ROE) | 7.1684% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.2465% | 4,040 |
| Net charge-offs to loans | 0.0856% | 1,509 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,785 |
| Efficiency ratio | 83.8062% | 666 |
| Assets per employee ($millions) | 2.5892% | 5,093 |
| Cash dividends to net income (ytd only)* | 68.6614% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 4,669 |
| Loan loss allowance to noncurrent loans | 31.1178% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.7101% | 615 |
| Noncurrent loans to loans | 2.3152% | 559 |
| Net loans and leases to total assets | 50.7589% | 4,428 |
| Net loans and leases to deposits | 59.0056% | 4,475 |
| Net loans and leases to core deposits | 62.5542% | 4,478 |
| Total domestic deposits to total assets | 86.0238% | 2,024 |
| Equity capital to assets | 13.1644% | 1,508 |
| Core capital (leverage) ratio | 12.4517% | 1,562 |
| Tier 1 risk-based capital ratio | 22.3906% | 1,012 |
| Total risk-based capital ratio | 23.0560% | 1,053 |
| Memoranda: | ||
| Average total assets | $139,415,000 | 3,502 |
| Average earning assets | $126,434,670 | 3,530 |
| Average equity | $17,716,670 | 3,391 |
| Average total loans | $70,074,000 | 3,837 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 2,164 |
| Cost of funding earning assets | 0.8138% | 2,456 |
| Net interest margin | 3.9045% | 2,174 |
| Noninterest income to average assets | 1.4395% | 416 |
| Noninterest expense to average assets | 4.2754% | 369 |
| Loan and lease loss provision to assets | 0.2873% | 468 |
| Net operating income to assets | 0.4195% | 4,685 |
| Return on assets (ROA) | 0.4195% | 4,699 |
| Pretax return on assets | 0.4195% | 4,813 |
| Return on Equity (ROE) | 3.3617% | 4,707 |
| Retained earnings to average equity (ytd only) | 0.5296% | 4,427 |
| Net charge-offs to loans | -0.0404% | 4,765 |
| Credit loss provision to net charge-offs | -1,428.5714% | 3,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8131% | 594 |
| Assets per employee ($millions) | 2.5395% | 5,174 |
| Cash dividends to net income (ytd only)* | 84.2466% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 4,666 |
| Loan loss allowance to noncurrent loans | 28.5019% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.9605% | 511 |
| Noncurrent loans to loans | 2.6238% | 487 |
| Net loans and leases to total assets | 49.1815% | 4,516 |
| Net loans and leases to deposits | 56.7205% | 4,562 |
| Net loans and leases to core deposits | 60.9538% | 4,534 |
| Total domestic deposits to total assets | 86.7086% | 1,957 |
| Equity capital to assets | 12.5285% | 1,722 |
| Core capital (leverage) ratio | 12.2979% | 1,607 |
| Tier 1 risk-based capital ratio | 22.3780% | 1,004 |
| Total risk-based capital ratio | 23.0655% | 1,049 |
| Memoranda: | ||
| Average total assets | $139,214,500 | 3,542 |
| Average earning assets | $126,315,500 | 3,567 |
| Average equity | $17,372,000 | 3,441 |
| Average total loans | $69,369,000 | 3,876 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 2,003 |
| Cost of funding earning assets | 0.6539% | 2,365 |
| Net interest margin | 3.9917% | 2,008 |
| Noninterest income to average assets | 1.5804% | 380 |
| Noninterest expense to average assets | 4.6386% | 266 |
| Loan and lease loss provision to assets | 0.0257% | 3,659 |
| Net operating income to assets | 0.5620% | 4,515 |
| Return on assets (ROA) | 0.5620% | 4,520 |
| Pretax return on assets | 0.5620% | 4,700 |
| Return on Equity (ROE) | 4.5755% | 4,568 |
| Retained earnings to average equity (ytd only) | 1.2365% | 4,636 |
| Net charge-offs to loans | 0.0850% | 1,933 |
| Credit loss provision to net charge-offs | 60.3448% | 3,098 |
| Earnings coverage of net charge-offs (x) | 13.8103% | 2,419 |
| Efficiency ratio | 88.7547% | 400 |
| Assets per employee ($millions) | 2.3898% | 5,244 |
| Cash dividends to net income (ytd only)* | 72.9765% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 4,946 |
| Loan loss allowance to noncurrent loans | 24.7788% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.9396% | 505 |
| Noncurrent loans to loans | 2.4828% | 491 |
| Net loans and leases to total assets | 49.8095% | 4,537 |
| Net loans and leases to deposits | 57.3684% | 4,600 |
| Net loans and leases to core deposits | 60.0598% | 4,629 |
| Total domestic deposits to total assets | 86.8240% | 1,860 |
| Equity capital to assets | 12.4265% | 1,616 |
| Core capital (leverage) ratio | 12.6393% | 1,396 |
| Tier 1 risk-based capital ratio | 23.2541% | 888 |
| Total risk-based capital ratio | 23.8242% | 935 |
| Memoranda: | ||
| Average total assets | $136,292,000 | 3,563 |
| Average earning assets | $124,483,200 | 3,583 |
| Average equity | $16,741,400 | 3,431 |
| Average total loans | $68,222,200 | 3,910 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 1,925 |
| Cost of funding earning assets | 0.6304% | 2,268 |
| Net interest margin | 3.9888% | 1,991 |
| Noninterest income to average assets | 1.5464% | 407 |
| Noninterest expense to average assets | 4.5640% | 274 |
| Loan and lease loss provision to assets | 0.0342% | 3,330 |
| Net operating income to assets | 0.5996% | 4,501 |
| Return on assets (ROA) | 0.5996% | 4,509 |
| Pretax return on assets | 0.5996% | 4,728 |
| Return on Equity (ROE) | 4.8955% | 4,595 |
| Retained earnings to average equity (ytd only) | 0.4313% | 4,963 |
| Net charge-offs to loans | 0.0997% | 1,498 |
| Credit loss provision to net charge-offs | 68.6275% | 2,646 |
| Earnings coverage of net charge-offs (x) | 12.7056% | 2,432 |
| Efficiency ratio | 87.8058% | 412 |
| Assets per employee ($millions) | 2.5210% | 5,273 |
| Cash dividends to net income (ytd only)* | 91.1906% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 4,981 |
| Loan loss allowance to noncurrent loans | 22.1358% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.9826% | 534 |
| Noncurrent loans to loans | 2.8994% | 389 |
| Net loans and leases to total assets | 48.5573% | 4,690 |
| Net loans and leases to deposits | 55.7031% | 4,767 |
| Net loans and leases to core deposits | 57.1686% | 4,817 |
| Total domestic deposits to total assets | 87.1717% | 1,658 |
| Equity capital to assets | 11.9498% | 1,945 |
| Core capital (leverage) ratio | 12.6008% | 1,454 |
| Tier 1 risk-based capital ratio | 23.6325% | 875 |
| Total risk-based capital ratio | 24.2268% | 914 |
| Memoranda: | ||
| Average total assets | $136,310,750 | 3,597 |
| Average earning assets | $124,780,000 | 3,614 |
| Average equity | $16,695,000 | 3,450 |
| Average total loans | $68,210,500 | 3,943 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 1,688 |
| Cost of funding earning assets | 0.5498% | 2,610 |
| Net interest margin | 4.0828% | 1,609 |
| Noninterest income to average assets | 1.5165% | 419 |
| Noninterest expense to average assets | 4.6257% | 266 |
| Loan and lease loss provision to assets | 0.0513% | 2,888 |
| Net operating income to assets | 0.5749% | 4,583 |
| Return on assets (ROA) | 0.5749% | 4,575 |
| Pretax return on assets | 0.5749% | 4,776 |
| Return on Equity (ROE) | 4.6563% | 4,648 |
| Retained earnings to average equity (ytd only) | -1.1284% | 5,084 |
| Net charge-offs to loans | 0.1454% | 1,051 |
| Credit loss provision to net charge-offs | 70.0000% | 2,346 |
| Earnings coverage of net charge-offs (x) | 8.5400% | 2,466 |
| Efficiency ratio | 88.0760% | 461 |
| Assets per employee ($millions) | 2.5212% | 5,328 |
| Cash dividends to net income (ytd only)* | 124.2347% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6218% | 5,066 |
| Loan loss allowance to noncurrent loans | 27.3133% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.8708% | 597 |
| Noncurrent loans to loans | 2.2764% | 598 |
| Net loans and leases to total assets | 50.2472% | 4,595 |
| Net loans and leases to deposits | 57.7296% | 4,656 |
| Net loans and leases to core deposits | 60.8269% | 4,664 |
| Total domestic deposits to total assets | 87.0388% | 1,823 |
| Equity capital to assets | 12.0915% | 1,791 |
| Core capital (leverage) ratio | 12.2433% | 1,577 |
| Tier 1 risk-based capital ratio | 23.1223% | 923 |
| Total risk-based capital ratio | 23.7103% | 968 |
| Memoranda: | ||
| Average total assets | $136,369,000 | 3,616 |
| Average earning assets | $124,768,330 | 3,636 |
| Average equity | $16,837,330 | 3,459 |
| Average total loans | $68,770,330 | 3,959 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 1,592 |
| Cost of funding earning assets | 0.5030% | 2,775 |
| Net interest margin | 4.0915% | 1,462 |
| Noninterest income to average assets | 1.4009% | 476 |
| Noninterest expense to average assets | 4.5633% | 281 |
| Loan and lease loss provision to assets | 0.1026% | 1,813 |
| Net operating income to assets | 0.4777% | 4,747 |
| Return on assets (ROA) | 0.4777% | 4,750 |
| Pretax return on assets | 0.4777% | 4,905 |
| Return on Equity (ROE) | 3.8297% | 4,810 |
| Retained earnings to average equity (ytd only) | -1.1512% | 4,928 |
| Net charge-offs to loans | 0.2619% | 590 |
| Credit loss provision to net charge-offs | 77.7778% | 1,763 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 2,308 |
| Efficiency ratio | 88.7179% | 500 |
| Assets per employee ($millions) | 2.4306% | 5,410 |
| Cash dividends to net income (ytd only)* | 130.0613% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 5,115 |
| Loan loss allowance to noncurrent loans | 26.6790% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8102% | 668 |
| Noncurrent loans to loans | 2.4056% | 578 |
| Net loans and leases to total assets | 48.3843% | 4,671 |
| Net loans and leases to deposits | 55.5280% | 4,720 |
| Net loans and leases to core deposits | 58.4521% | 4,730 |
| Total domestic deposits to total assets | 87.1349% | 2,070 |
| Equity capital to assets | 12.0351% | 1,760 |
| Core capital (leverage) ratio | 12.3654% | 1,448 |
| Tier 1 risk-based capital ratio | 23.2030% | 921 |
| Total risk-based capital ratio | 23.7983% | 967 |
| Memoranda: | ||
| Average total assets | $136,481,000 | 3,652 |
| Average earning assets | $124,844,500 | 3,665 |
| Average equity | $17,025,000 | 3,476 |
| Average total loans | $68,737,000 | 3,993 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 1,131 |
| Cost of funding earning assets | 0.4934% | 2,392 |
| Net interest margin | 4.2336% | 1,115 |
| Noninterest income to average assets | 1.7208% | 371 |
| Noninterest expense to average assets | 4.7385% | 262 |
| Loan and lease loss provision to assets | 0.0944% | 2,315 |
| Net operating income to assets | 0.7378% | 3,438 |
| Return on assets (ROA) | 0.7766% | 3,310 |
| Pretax return on assets | 0.7766% | 4,312 |
| Return on Equity (ROE) | 6.0639% | 3,735 |
| Retained earnings to average equity (ytd only) | 1.7717% | 4,252 |
| Net charge-offs to loans | 0.5548% | 416 |
| Credit loss provision to net charge-offs | 30.7876% | 3,530 |
| Earnings coverage of net charge-offs (x) | 2.7136% | 3,716 |
| Efficiency ratio | 85.0611% | 696 |
| Assets per employee ($millions) | 2.3582% | 5,502 |
| Cash dividends to net income (ytd only)* | 70.7823% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 5,184 |
| Loan loss allowance to noncurrent loans | 24.3808% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.1999% | 471 |
| Noncurrent loans to loans | 2.5955% | 503 |
| Net loans and leases to total assets | 51.7524% | 4,533 |
| Net loans and leases to deposits | 59.9860% | 4,568 |
| Net loans and leases to core deposits | 61.5965% | 4,679 |
| Total domestic deposits to total assets | 86.2741% | 2,323 |
| Equity capital to assets | 12.9269% | 1,300 |
| Core capital (leverage) ratio | 12.4817% | 1,369 |
| Tier 1 risk-based capital ratio | 22.6261% | 948 |
| Total risk-based capital ratio | 23.2183% | 1,004 |
| Memoranda: | ||
| Average total assets | $136,624,600 | 3,657 |
| Average earning assets | $124,244,000 | 3,681 |
| Average equity | $17,497,000 | 3,431 |
| Average total loans | $75,520,800 | 3,831 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7449% | 1,045 |
| Cost of funding earning assets | 0.4925% | 2,331 |
| Net interest margin | 4.2524% | 1,043 |
| Noninterest income to average assets | 1.7554% | 380 |
| Noninterest expense to average assets | 4.7150% | 265 |
| Loan and lease loss provision to assets | 0.1254% | 1,727 |
| Net operating income to assets | 0.7834% | 3,588 |
| Return on assets (ROA) | 0.8009% | 3,566 |
| Pretax return on assets | 0.8009% | 4,346 |
| Return on Equity (ROE) | 6.2682% | 4,002 |
| Retained earnings to average equity (ytd only) | 0.5553% | 5,093 |
| Net charge-offs to loans | 0.5687% | 352 |
| Credit loss provision to net charge-offs | 39.3293% | 3,002 |
| Earnings coverage of net charge-offs (x) | 2.8506% | 3,418 |
| Efficiency ratio | 83.8403% | 766 |
| Assets per employee ($millions) | 2.3978% | 5,551 |
| Cash dividends to net income (ytd only)* | 91.1409% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7317% | 5,067 |
| Loan loss allowance to noncurrent loans | 23.9355% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.6432% | 384 |
| Noncurrent loans to loans | 3.0568% | 407 |
| Net loans and leases to total assets | 52.0942% | 4,558 |
| Net loans and leases to deposits | 60.3483% | 4,623 |
| Net loans and leases to core deposits | 63.1263% | 4,646 |
| Total domestic deposits to total assets | 86.3225% | 2,167 |
| Equity capital to assets | 12.7370% | 1,522 |
| Core capital (leverage) ratio | 12.1415% | 1,608 |
| Tier 1 risk-based capital ratio | 22.1096% | 1,038 |
| Total risk-based capital ratio | 22.8171% | 1,084 |
| Memoranda: | ||
| Average total assets | $137,176,500 | 3,687 |
| Average earning assets | $124,790,250 | 3,697 |
| Average equity | $17,527,250 | 3,456 |
| Average total loans | $76,899,250 | 3,844 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8283% | 810 |
| Cost of funding earning assets | 0.4976% | 2,173 |
| Net interest margin | 4.3307% | 802 |
| Noninterest income to average assets | 1.7328% | 389 |
| Noninterest expense to average assets | 4.8644% | 239 |
| Loan and lease loss provision to assets | 0.0439% | 3,115 |
| Net operating income to assets | 0.7631% | 3,577 |
| Return on assets (ROA) | 0.7851% | 3,519 |
| Pretax return on assets | 0.7851% | 4,329 |
| Return on Equity (ROE) | 6.1380% | 3,987 |
| Retained earnings to average equity (ytd only) | -0.3664% | 5,140 |
| Net charge-offs to loans | 0.5166% | 378 |
| Credit loss provision to net charge-offs | 14.8515% | 2,821 |
| Earnings coverage of net charge-offs (x) | 2.7277% | 3,136 |
| Efficiency ratio | 85.7696% | 709 |
| Assets per employee ($millions) | 2.3475% | 5,609 |
| Cash dividends to net income (ytd only)* | 105.9701% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 5,130 |
| Loan loss allowance to noncurrent loans | 29.8087% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.5823% | 404 |
| Noncurrent loans to loans | 2.4559% | 622 |
| Net loans and leases to total assets | 55.8708% | 4,238 |
| Net loans and leases to deposits | 64.9378% | 4,308 |
| Net loans and leases to core deposits | 68.6546% | 4,320 |
| Total domestic deposits to total assets | 86.0374% | 2,363 |
| Equity capital to assets | 13.0401% | 1,358 |
| Core capital (leverage) ratio | 12.2939% | 1,478 |
| Tier 1 risk-based capital ratio | 21.6120% | 1,099 |
| Total risk-based capital ratio | 22.3431% | 1,143 |
| Memoranda: | ||
| Average total assets | $136,543,670 | 3,716 |
| Average earning assets | $124,184,330 | 3,734 |
| Average equity | $17,465,000 | 3,470 |
| Average total loans | $78,204,330 | 3,831 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 855 |
| Cost of funding earning assets | 0.4920% | 2,155 |
| Net interest margin | 4.2541% | 880 |
| Noninterest income to average assets | 1.7669% | 372 |
| Noninterest expense to average assets | 4.8122% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8249% | 3,100 |
| Return on assets (ROA) | 0.8249% | 3,155 |
| Pretax return on assets | 0.8249% | 4,014 |
| Return on Equity (ROE) | 6.5127% | 3,655 |
| Retained earnings to average equity (ytd only) | 1.1547% | 4,602 |
| Net charge-offs to loans | 0.6077% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.3500% | 2,604 |
| Efficiency ratio | 85.3659% | 856 |
| Assets per employee ($millions) | 2.4636% | 5,635 |
| Cash dividends to net income (ytd only)* | 82.2695% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 5,095 |
| Loan loss allowance to noncurrent loans | 20.7165% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 3.1926% | 298 |
| Noncurrent loans to loans | 3.8162% | 285 |
| Net loans and leases to total assets | 56.7716% | 4,093 |
| Net loans and leases to deposits | 65.8486% | 4,185 |
| Net loans and leases to core deposits | 69.4752% | 4,189 |
| Total domestic deposits to total assets | 86.2154% | 2,574 |
| Equity capital to assets | 12.8709% | 1,318 |
| Core capital (leverage) ratio | 12.3262% | 1,432 |
| Tier 1 risk-based capital ratio | 21.6053% | 1,134 |
| Total risk-based capital ratio | 22.4000% | 1,180 |
| Memoranda: | ||
| Average total assets | $136,737,000 | 3,740 |
| Average earning assets | $124,398,500 | 3,763 |
| Average equity | $17,320,000 | 3,505 |
| Average total loans | $78,990,000 | 3,833 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 607 |
| Cost of funding earning assets | 0.4689% | 2,367 |
| Net interest margin | 4.5141% | 602 |
| Noninterest income to average assets | 2.0584% | 334 |
| Noninterest expense to average assets | 5.4555% | 213 |
| Loan and lease loss provision to assets | 0.1735% | 1,396 |
| Net operating income to assets | 0.5630% | 4,375 |
| Return on assets (ROA) | 0.6866% | 3,951 |
| Pretax return on assets | 0.6866% | 4,534 |
| Return on Equity (ROE) | 5.2926% | 4,280 |
| Retained earnings to average equity (ytd only) | 1.4596% | 4,675 |
| Net charge-offs to loans | 0.2722% | 1,015 |
| Credit loss provision to net charge-offs | 105.2632% | 2,465 |
| Earnings coverage of net charge-offs (x) | 4.4693% | 3,497 |
| Efficiency ratio | 88.1055% | 669 |
| Assets per employee ($millions) | 2.1559% | 5,766 |
| Cash dividends to net income (ytd only)* | 72.4211% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 4,742 |
| Loan loss allowance to noncurrent loans | 23.7601% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 3.0781% | 317 |
| Noncurrent loans to loans | 3.8351% | 288 |
| Net loans and leases to total assets | 57.7706% | 4,087 |
| Net loans and leases to deposits | 66.6792% | 4,194 |
| Net loans and leases to core deposits | 70.2567% | 4,219 |
| Total domestic deposits to total assets | 86.6396% | 2,314 |
| Equity capital to assets | 12.4660% | 1,543 |
| Core capital (leverage) ratio | 12.2552% | 1,453 |
| Tier 1 risk-based capital ratio | 20.9374% | 1,219 |
| Total risk-based capital ratio | 21.8611% | 1,244 |
| Memoranda: | ||
| Average total assets | $138,356,800 | 3,699 |
| Average earning assets | $126,691,000 | 3,711 |
| Average equity | $17,949,600 | 3,415 |
| Average total loans | $83,770,600 | 3,716 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 571 |
| Cost of funding earning assets | 0.4631% | 2,434 |
| Net interest margin | 4.5627% | 541 |
| Noninterest income to average assets | 2.0685% | 338 |
| Noninterest expense to average assets | 5.5045% | 207 |
| Loan and lease loss provision to assets | 0.1733% | 1,300 |
| Net operating income to assets | 0.5749% | 4,392 |
| Return on assets (ROA) | 0.7396% | 3,780 |
| Pretax return on assets | 0.7396% | 4,500 |
| Return on Equity (ROE) | 5.6458% | 4,248 |
| Retained earnings to average equity (ytd only) | 0.5881% | 5,204 |
| Net charge-offs to loans | 0.2395% | 975 |
| Credit loss provision to net charge-offs | 118.4211% | 2,109 |
| Earnings coverage of net charge-offs (x) | 5.1119% | 3,174 |
| Efficiency ratio | 88.0333% | 670 |
| Assets per employee ($millions) | 2.1055% | 5,846 |
| Cash dividends to net income (ytd only)* | 89.5837% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 4,929 |
| Loan loss allowance to noncurrent loans | 28.6863% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 2.7686% | 460 |
| Noncurrent loans to loans | 3.0715% | 478 |
| Net loans and leases to total assets | 61.5665% | 3,680 |
| Net loans and leases to deposits | 71.8729% | 3,821 |
| Net loans and leases to core deposits | 74.0528% | 3,997 |
| Total domestic deposits to total assets | 85.6602% | 2,533 |
| Equity capital to assets | 13.2664% | 1,363 |
| Core capital (leverage) ratio | 12.1618% | 1,567 |
| Tier 1 risk-based capital ratio | 19.6245% | 1,518 |
| Total risk-based capital ratio | 20.5190% | 1,568 |
| Memoranda: | ||
| Average total assets | $138,452,250 | 3,718 |
| Average earning assets | $126,969,750 | 3,722 |
| Average equity | $18,137,000 | 3,409 |
| Average total loans | $84,602,750 | 3,713 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 578 |
| Cost of funding earning assets | 0.4616% | 2,459 |
| Net interest margin | 4.5498% | 555 |
| Noninterest income to average assets | 2.2679% | 293 |
| Noninterest expense to average assets | 5.6064% | 201 |
| Loan and lease loss provision to assets | 0.1727% | 1,278 |
| Net operating income to assets | 0.6735% | 3,944 |
| Return on assets (ROA) | 0.8375% | 3,280 |
| Pretax return on assets | 0.8375% | 4,169 |
| Return on Equity (ROE) | 6.4201% | 3,842 |
| Retained earnings to average equity (ytd only) | 0.1765% | 5,250 |
| Net charge-offs to loans | 0.1942% | 1,182 |
| Credit loss provision to net charge-offs | 146.3415% | 1,622 |
| Earnings coverage of net charge-offs (x) | 7.1707% | 2,658 |
| Efficiency ratio | 86.8867% | 806 |
| Assets per employee ($millions) | 2.0802% | 5,925 |
| Cash dividends to net income (ytd only)* | 97.2509% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 4,905 |
| Loan loss allowance to noncurrent loans | 32.3254% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 2.6899% | 485 |
| Noncurrent loans to loans | 2.8313% | 548 |
| Net loans and leases to total assets | 59.8510% | 3,900 |
| Net loans and leases to deposits | 69.8226% | 3,998 |
| Net loans and leases to core deposits | 73.2118% | 4,057 |
| Total domestic deposits to total assets | 85.7187% | 2,549 |
| Equity capital to assets | 13.2449% | 1,355 |
| Core capital (leverage) ratio | 11.8773% | 1,715 |
| Tier 1 risk-based capital ratio | 19.8549% | 1,489 |
| Total risk-based capital ratio | 20.7756% | 1,522 |
| Memoranda: | ||
| Average total assets | $138,984,000 | 3,735 |
| Average earning assets | $127,830,000 | 3,727 |
| Average equity | $18,130,670 | 3,425 |
| Average total loans | $84,468,000 | 3,732 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9757% | 610 |
| Cost of funding earning assets | 0.4597% | 2,467 |
| Net interest margin | 4.5160% | 586 |
| Noninterest income to average assets | 2.4172% | 265 |
| Noninterest expense to average assets | 5.6640% | 197 |
| Loan and lease loss provision to assets | 0.1716% | 1,195 |
| Net operating income to assets | 0.7409% | 3,532 |
| Return on assets (ROA) | 0.7552% | 3,567 |
| Pretax return on assets | 0.7552% | 4,352 |
| Return on Equity (ROE) | 5.8330% | 4,064 |
| Retained earnings to average equity (ytd only) | -0.3756% | 5,183 |
| Net charge-offs to loans | 0.3050% | 707 |
| Credit loss provision to net charge-offs | 92.3077% | 1,745 |
| Earnings coverage of net charge-offs (x) | 4.9077% | 2,380 |
| Efficiency ratio | 86.1244% | 965 |
| Assets per employee ($millions) | 1.9986% | 5,996 |
| Cash dividends to net income (ytd only)* | 106.4394% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 5,170 |
| Loan loss allowance to noncurrent loans | 26.0364% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 2.9471% | 433 |
| Noncurrent loans to loans | 3.3215% | 438 |
| Net loans and leases to total assets | 58.6689% | 3,969 |
| Net loans and leases to deposits | 68.2008% | 4,040 |
| Net loans and leases to core deposits | 71.1269% | 4,144 |
| Total domestic deposits to total assets | 86.0238% | 2,661 |
| Equity capital to assets | 13.0113% | 1,400 |
| Core capital (leverage) ratio | 11.7833% | 1,767 |
| Tier 1 risk-based capital ratio | 19.7271% | 1,563 |
| Total risk-based capital ratio | 20.5917% | 1,614 |
| Memoranda: | ||
| Average total assets | $139,830,500 | 3,747 |
| Average earning assets | $128,787,000 | 3,736 |
| Average equity | $18,104,000 | 3,421 |
| Average total loans | $85,237,500 | 3,718 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 498 |
| Cost of funding earning assets | 0.5082% | 2,090 |
| Net interest margin | 4.6120% | 532 |
| Noninterest income to average assets | 2.3101% | 292 |
| Noninterest expense to average assets | 5.2274% | 239 |
| Loan and lease loss provision to assets | 0.1770% | 1,282 |
| Net operating income to assets | 1.1942% | 1,571 |
| Return on assets (ROA) | 1.2033% | 1,607 |
| Pretax return on assets | 1.2033% | 2,650 |
| Return on Equity (ROE) | 9.8280% | 2,071 |
| Retained earnings to average equity (ytd only) | 3.2760% | 3,722 |
| Net charge-offs to loans | 0.2837% | 1,069 |
| Credit loss provision to net charge-offs | 103.6585% | 2,419 |
| Earnings coverage of net charge-offs (x) | 8.0325% | 3,005 |
| Efficiency ratio | 79.2197% | 1,789 |
| Assets per employee ($millions) | 1.9684% | 6,056 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 5,348 |
| Loan loss allowance to noncurrent loans | 25.3427% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 2.7576% | 521 |
| Noncurrent loans to loans | 3.2448% | 464 |
| Net loans and leases to total assets | 62.2207% | 3,528 |
| Net loans and leases to deposits | 72.1771% | 3,700 |
| Net loans and leases to core deposits | 73.5793% | 3,984 |
| Total domestic deposits to total assets | 86.2055% | 2,533 |
| Equity capital to assets | 12.8829% | 1,411 |
| Core capital (leverage) ratio | 11.7797% | 1,769 |
| Tier 1 risk-based capital ratio | 19.0685% | 1,694 |
| Total risk-based capital ratio | 19.9093% | 1,742 |
| Memoranda: | ||
| Average total assets | $144,107,400 | 3,662 |
| Average earning assets | $133,998,000 | 3,627 |
| Average equity | $17,643,400 | 3,436 |
| Average total loans | $86,703,400 | 3,659 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 550 |
| Cost of funding earning assets | 0.5202% | 2,042 |
| Net interest margin | 4.5444% | 597 |
| Noninterest income to average assets | 2.2792% | 300 |
| Noninterest expense to average assets | 5.2535% | 236 |
| Loan and lease loss provision to assets | 0.1377% | 1,618 |
| Net operating income to assets | 1.1240% | 1,915 |
| Return on assets (ROA) | 1.1249% | 1,985 |
| Pretax return on assets | 1.1249% | 3,119 |
| Return on Equity (ROE) | 9.3049% | 2,416 |
| Retained earnings to average equity (ytd only) | 0.5241% | 5,469 |
| Net charge-offs to loans | 0.3408% | 772 |
| Credit loss provision to net charge-offs | 67.8733% | 2,804 |
| Earnings coverage of net charge-offs (x) | 6.2172% | 3,081 |
| Efficiency ratio | 80.6342% | 1,562 |
| Assets per employee ($millions) | 2.0656% | 6,121 |
| Cash dividends to net income (ytd only)* | 94.3672% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 5,620 |
| Loan loss allowance to noncurrent loans | 18.7756% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 2.9461% | 526 |
| Noncurrent loans to loans | 4.0057% | 322 |
| Net loans and leases to total assets | 59.3489% | 3,958 |
| Net loans and leases to deposits | 68.5514% | 4,138 |
| Net loans and leases to core deposits | 69.8495% | 4,383 |
| Total domestic deposits to total assets | 86.5757% | 2,244 |
| Equity capital to assets | 12.3508% | 1,830 |
| Core capital (leverage) ratio | 11.2006% | 2,300 |
| Tier 1 risk-based capital ratio | 19.1076% | 1,744 |
| Total risk-based capital ratio | 19.8806% | 1,834 |
| Memoranda: | ||
| Average total assets | $145,194,500 | 3,678 |
| Average earning assets | $135,341,500 | 3,645 |
| Average equity | $17,553,000 | 3,474 |
| Average total loans | $86,459,250 | 3,707 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0453% | 557 |
| Cost of funding earning assets | 0.5242% | 2,035 |
| Net interest margin | 4.5211% | 614 |
| Noninterest income to average assets | 2.2247% | 315 |
| Noninterest expense to average assets | 5.0943% | 274 |
| Loan and lease loss provision to assets | 0.1232% | 1,788 |
| Net operating income to assets | 1.2226% | 1,534 |
| Return on assets (ROA) | 1.2240% | 1,606 |
| Pretax return on assets | 1.2240% | 2,680 |
| Return on Equity (ROE) | 10.1960% | 1,980 |
| Retained earnings to average equity (ytd only) | -0.4562% | 5,596 |
| Net charge-offs to loans | 0.3384% | 777 |
| Credit loss provision to net charge-offs | 61.2245% | 2,578 |
| Earnings coverage of net charge-offs (x) | 6.6871% | 2,753 |
| Efficiency ratio | 79.1029% | 1,899 |
| Assets per employee ($millions) | 2.2404% | 6,153 |
| Cash dividends to net income (ytd only)* | 104.4743% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7523% | 5,707 |
| Loan loss allowance to noncurrent loans | 21.7825% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.2468% | 915 |
| Noncurrent loans to loans | 3.4539% | 515 |
| Net loans and leases to total assets | 59.3330% | 3,929 |
| Net loans and leases to deposits | 67.5363% | 4,177 |
| Net loans and leases to core deposits | 68.7683% | 4,432 |
| Total domestic deposits to total assets | 87.8534% | 1,728 |
| Equity capital to assets | 11.8005% | 2,161 |
| Core capital (leverage) ratio | 10.8565% | 2,564 |
| Tier 1 risk-based capital ratio | 18.3680% | 1,962 |
| Total risk-based capital ratio | 19.1326% | 2,058 |
| Memoranda: | ||
| Average total assets | $146,084,330 | 3,689 |
| Average earning assets | $136,206,670 | 3,655 |
| Average equity | $17,536,330 | 3,489 |
| Average total loans | $86,869,670 | 3,717 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 584 |
| Cost of funding earning assets | 0.5249% | 2,051 |
| Net interest margin | 4.4603% | 651 |
| Noninterest income to average assets | 2.3211% | 299 |
| Noninterest expense to average assets | 5.2518% | 251 |
| Loan and lease loss provision to assets | 0.0820% | 2,331 |
| Net operating income to assets | 1.1455% | 1,717 |
| Return on assets (ROA) | 1.1482% | 1,816 |
| Pretax return on assets | 1.1482% | 2,874 |
| Return on Equity (ROE) | 9.4851% | 2,221 |
| Retained earnings to average equity (ytd only) | -0.2484% | 5,420 |
| Net charge-offs to loans | 0.2628% | 912 |
| Credit loss provision to net charge-offs | 52.6316% | 2,076 |
| Earnings coverage of net charge-offs (x) | 7.8772% | 2,129 |
| Efficiency ratio | 81.0549% | 1,755 |
| Assets per employee ($millions) | 2.1810% | 6,238 |
| Cash dividends to net income (ytd only)* | 102.6190% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 5,730 |
| Loan loss allowance to noncurrent loans | 27.0110% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 2.0160% | 1,173 |
| Noncurrent loans to loans | 2.9116% | 767 |
| Net loans and leases to total assets | 59.1372% | 3,780 |
| Net loans and leases to deposits | 67.6044% | 3,993 |
| Net loans and leases to core deposits | 69.2975% | 4,223 |
| Total domestic deposits to total assets | 87.4754% | 2,119 |
| Equity capital to assets | 12.2256% | 1,869 |
| Core capital (leverage) ratio | 10.9063% | 2,511 |
| Tier 1 risk-based capital ratio | 18.7305% | 1,933 |
| Total risk-based capital ratio | 19.5444% | 2,019 |
| Memoranda: | ||
| Average total assets | $146,312,000 | 3,708 |
| Average earning assets | $136,404,500 | 3,676 |
| Average equity | $17,712,000 | 3,494 |
| Average total loans | $86,774,000 | 3,733 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2369% | 487 |
| Cost of funding earning assets | 0.6076% | 1,705 |
| Net interest margin | 4.6293% | 590 |
| Noninterest income to average assets | 2.0683% | 322 |
| Noninterest expense to average assets | 5.0294% | 299 |
| Loan and lease loss provision to assets | 0.0204% | 4,212 |
| Net operating income to assets | 1.3261% | 1,245 |
| Return on assets (ROA) | 1.3505% | 1,240 |
| Pretax return on assets | 1.3505% | 2,073 |
| Return on Equity (ROE) | 11.9521% | 1,427 |
| Retained earnings to average equity (ytd only) | 6.0694% | 1,882 |
| Net charge-offs to loans | 0.3510% | 1,249 |
| Credit loss provision to net charge-offs | 9.4340% | 4,107 |
| Earnings coverage of net charge-offs (x) | 6.2233% | 3,244 |
| Efficiency ratio | 78.8817% | 2,082 |
| Assets per employee ($millions) | 2.1865% | 6,316 |
| Cash dividends to net income (ytd only)* | 49.2191% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 5,708 |
| Loan loss allowance to noncurrent loans | 22.6968% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 2.4799% | 931 |
| Noncurrent loans to loans | 3.6288% | 549 |
| Net loans and leases to total assets | 58.5238% | 3,991 |
| Net loans and leases to deposits | 66.6711% | 4,249 |
| Net loans and leases to core deposits | 68.1936% | 4,482 |
| Total domestic deposits to total assets | 87.7799% | 1,878 |
| Equity capital to assets | 11.9860% | 2,025 |
| Core capital (leverage) ratio | 10.8883% | 2,509 |
| Tier 1 risk-based capital ratio | 18.9556% | 1,864 |
| Total risk-based capital ratio | 19.8111% | 1,943 |
| Memoranda: | ||
| Average total assets | $146,977,200 | 3,679 |
| Average earning assets | $136,760,400 | 3,647 |
| Average equity | $16,608,000 | 3,587 |
| Average total loans | $90,606,200 | 3,619 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 483 |
| Cost of funding earning assets | 0.6205% | 1,669 |
| Net interest margin | 4.6161% | 595 |
| Noninterest income to average assets | 2.0276% | 338 |
| Noninterest expense to average assets | 5.0432% | 299 |
| Loan and lease loss provision to assets | 0.0181% | 4,045 |
| Net operating income to assets | 1.2617% | 1,491 |
| Return on assets (ROA) | 1.2581% | 1,560 |
| Pretax return on assets | 1.2581% | 2,541 |
| Return on Equity (ROE) | 11.3048% | 1,684 |
| Retained earnings to average equity (ytd only) | 3.3475% | 4,231 |
| Net charge-offs to loans | 0.3084% | 1,287 |
| Credit loss provision to net charge-offs | 9.4340% | 3,714 |
| Earnings coverage of net charge-offs (x) | 6.6604% | 3,047 |
| Efficiency ratio | 79.7592% | 1,952 |
| Assets per employee ($millions) | 2.2908% | 6,350 |
| Cash dividends to net income (ytd only)* | 70.3888% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 5,565 |
| Loan loss allowance to noncurrent loans | 19.7169% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 3.0700% | 760 |
| Noncurrent loans to loans | 4.6262% | 419 |
| Net loans and leases to total assets | 59.8697% | 3,811 |
| Net loans and leases to deposits | 67.9899% | 4,129 |
| Net loans and leases to core deposits | 69.5341% | 4,371 |
| Total domestic deposits to total assets | 88.0567% | 1,731 |
| Equity capital to assets | 11.5129% | 2,475 |
| Core capital (leverage) ratio | 10.4559% | 3,092 |
| Tier 1 risk-based capital ratio | 17.8725% | 2,245 |
| Total risk-based capital ratio | 18.8240% | 2,326 |
| Memoranda: | ||
| Average total assets | $147,097,500 | 3,703 |
| Average earning assets | $136,881,250 | 3,676 |
| Average equity | $16,370,250 | 3,638 |
| Average total loans | $91,646,000 | 3,624 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2192% | 489 |
| Cost of funding earning assets | 0.6296% | 1,649 |
| Net interest margin | 4.5897% | 598 |
| Noninterest income to average assets | 2.0399% | 333 |
| Noninterest expense to average assets | 4.9952% | 313 |
| Loan and lease loss provision to assets | 0.0272% | 3,729 |
| Net operating income to assets | 1.2848% | 1,355 |
| Return on assets (ROA) | 1.2794% | 1,426 |
| Pretax return on assets | 1.2794% | 2,338 |
| Return on Equity (ROE) | 11.6291% | 1,542 |
| Retained earnings to average equity (ytd only) | 1.4444% | 5,163 |
| Net charge-offs to loans | 0.1942% | 1,865 |
| Credit loss provision to net charge-offs | 22.2222% | 3,170 |
| Earnings coverage of net charge-offs (x) | 10.7333% | 2,220 |
| Efficiency ratio | 79.1990% | 2,135 |
| Assets per employee ($millions) | 2.3080% | 6,394 |
| Cash dividends to net income (ytd only)* | 87.5796% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 5,264 |
| Loan loss allowance to noncurrent loans | 29.8939% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 2.3295% | 1,267 |
| Noncurrent loans to loans | 3.4165% | 791 |
| Net loans and leases to total assets | 61.0171% | 3,562 |
| Net loans and leases to deposits | 69.0384% | 3,935 |
| Net loans and leases to core deposits | 70.8840% | 4,162 |
| Total domestic deposits to total assets | 88.3814% | 1,694 |
| Equity capital to assets | 11.2212% | 2,683 |
| Core capital (leverage) ratio | 10.2089% | 3,325 |
| Tier 1 risk-based capital ratio | 17.3158% | 2,495 |
| Total risk-based capital ratio | 18.3978% | 2,526 |
| Memoranda: | ||
| Average total assets | $147,260,000 | 3,722 |
| Average earning assets | $136,916,330 | 3,693 |
| Average equity | $16,200,670 | 3,658 |
| Average total loans | $92,667,000 | 3,621 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 636 |
| Cost of funding earning assets | 0.6418% | 1,638 |
| Net interest margin | 4.4224% | 769 |
| Noninterest income to average assets | 1.8417% | 385 |
| Noninterest expense to average assets | 5.1362% | 292 |
| Loan and lease loss provision to assets | 0.0544% | 3,028 |
| Net operating income to assets | 0.7563% | 3,377 |
| Return on assets (ROA) | 0.7563% | 3,466 |
| Pretax return on assets | 0.7563% | 4,284 |
| Return on Equity (ROE) | 6.9441% | 3,508 |
| Retained earnings to average equity (ytd only) | -3.0974% | 5,974 |
| Net charge-offs to loans | 0.2439% | 1,346 |
| Credit loss provision to net charge-offs | 35.0877% | 2,354 |
| Earnings coverage of net charge-offs (x) | 5.2281% | 2,404 |
| Efficiency ratio | 86.3678% | 1,408 |
| Assets per employee ($millions) | 2.2452% | 6,493 |
| Cash dividends to net income (ytd only)* | 144.6043% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 5,325 |
| Loan loss allowance to noncurrent loans | 37.2102% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 2.0036% | 1,707 |
| Noncurrent loans to loans | 2.8140% | 1,175 |
| Net loans and leases to total assets | 61.4157% | 3,329 |
| Net loans and leases to deposits | 69.2474% | 3,700 |
| Net loans and leases to core deposits | 71.0837% | 3,973 |
| Total domestic deposits to total assets | 88.6903% | 1,839 |
| Equity capital to assets | 10.8448% | 2,885 |
| Core capital (leverage) ratio | 10.1327% | 3,385 |
| Tier 1 risk-based capital ratio | 16.6731% | 2,825 |
| Total risk-based capital ratio | 17.7696% | 2,859 |
| Memoranda: | ||
| Average total assets | $147,034,500 | 3,751 |
| Average earning assets | $136,485,500 | 3,722 |
| Average equity | $16,013,500 | 3,693 |
| Average total loans | $93,471,000 | 3,621 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 448 |
| Cost of funding earning assets | 0.7179% | 1,693 |
| Net interest margin | 4.6693% | 537 |
| Noninterest income to average assets | 2.2909% | 326 |
| Noninterest expense to average assets | 5.0019% | 348 |
| Loan and lease loss provision to assets | 0.1177% | 2,849 |
| Net operating income to assets | 1.5019% | 820 |
| Return on assets (ROA) | 1.5019% | 859 |
| Pretax return on assets | 1.5019% | 1,442 |
| Return on Equity (ROE) | 13.7669% | 1,002 |
| Retained earnings to average equity (ytd only) | 6.4521% | 1,715 |
| Net charge-offs to loans | 0.0540% | 4,468 |
| Credit loss provision to net charge-offs | 326.9231% | 706 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 857 |
| Efficiency ratio | 75.5409% | 2,854 |
| Assets per employee ($millions) | 2.2104% | 6,562 |
| Cash dividends to net income (ytd only)* | 53.1336% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 5,331 |
| Loan loss allowance to noncurrent loans | 31.4070% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 2.5965% | 1,310 |
| Noncurrent loans to loans | 3.3526% | 963 |
| Net loans and leases to total assets | 64.4142% | 2,969 |
| Net loans and leases to deposits | 72.6764% | 3,431 |
| Net loans and leases to core deposits | 74.6331% | 3,772 |
| Total domestic deposits to total assets | 88.6316% | 1,838 |
| Equity capital to assets | 10.9379% | 2,668 |
| Core capital (leverage) ratio | 10.2698% | 3,191 |
| Tier 1 risk-based capital ratio | 16.5994% | 2,797 |
| Total risk-based capital ratio | 17.7235% | 2,829 |
| Memoranda: | ||
| Average total assets | $144,486,400 | 3,796 |
| Average earning assets | $134,002,400 | 3,752 |
| Average equity | $15,762,400 | 3,745 |
| Average total loans | $96,221,200 | 3,549 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4255% | 420 |
| Cost of funding earning assets | 0.7310% | 1,733 |
| Net interest margin | 4.6944% | 520 |
| Noninterest income to average assets | 2.3477% | 324 |
| Noninterest expense to average assets | 5.0525% | 324 |
| Loan and lease loss provision to assets | 0.1388% | 2,560 |
| Net operating income to assets | 1.5106% | 876 |
| Return on assets (ROA) | 1.5106% | 923 |
| Pretax return on assets | 1.5106% | 1,574 |
| Return on Equity (ROE) | 13.8559% | 1,024 |
| Retained earnings to average equity (ytd only) | 4.0643% | 3,799 |
| Net charge-offs to loans | 0.1077% | 3,463 |
| Credit loss provision to net charge-offs | 192.3077% | 1,253 |
| Earnings coverage of net charge-offs (x) | 22.8584% | 1,480 |
| Efficiency ratio | 75.3899% | 2,827 |
| Assets per employee ($millions) | 2.2535% | 6,613 |
| Cash dividends to net income (ytd only)* | 70.6675% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,708 |
| Loan loss allowance to noncurrent loans | 56.5166% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.7583% | 2,330 |
| Noncurrent loans to loans | 1.7713% | 2,540 |
| Net loans and leases to total assets | 65.4142% | 2,731 |
| Net loans and leases to deposits | 73.9161% | 3,244 |
| Net loans and leases to core deposits | 76.4305% | 3,574 |
| Total domestic deposits to total assets | 88.4980% | 1,837 |
| Equity capital to assets | 10.8003% | 2,952 |
| Core capital (leverage) ratio | 10.0532% | 3,597 |
| Tier 1 risk-based capital ratio | 16.0031% | 3,194 |
| Total risk-based capital ratio | 17.0761% | 3,237 |
| Memoranda: | ||
| Average total assets | $144,136,250 | 3,840 |
| Average earning assets | $133,686,500 | 3,798 |
| Average equity | $15,713,750 | 3,790 |
| Average total loans | $96,533,500 | 3,562 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 450 |
| Cost of funding earning assets | 0.7504% | 1,707 |
| Net interest margin | 4.6491% | 556 |
| Noninterest income to average assets | 2.3844% | 345 |
| Noninterest expense to average assets | 5.1087% | 329 |
| Loan and lease loss provision to assets | 0.1665% | 2,244 |
| Net operating income to assets | 1.4253% | 1,026 |
| Return on assets (ROA) | 1.4253% | 1,115 |
| Pretax return on assets | 1.4253% | 1,852 |
| Return on Equity (ROE) | 13.0335% | 1,241 |
| Retained earnings to average equity (ytd only) | 0.3173% | 5,767 |
| Net charge-offs to loans | 0.0949% | 3,418 |
| Credit loss provision to net charge-offs | 260.8696% | 962 |
| Earnings coverage of net charge-offs (x) | 24.9348% | 1,280 |
| Efficiency ratio | 76.2428% | 2,744 |
| Assets per employee ($millions) | 2.1362% | 6,701 |
| Cash dividends to net income (ytd only)* | 97.5657% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 5,839 |
| Loan loss allowance to noncurrent loans | 36.5025% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 1.9976% | 2,153 |
| Noncurrent loans to loans | 2.7289% | 1,671 |
| Net loans and leases to total assets | 66.3865% | 2,525 |
| Net loans and leases to deposits | 74.9625% | 3,021 |
| Net loans and leases to core deposits | 77.5278% | 3,354 |
| Total domestic deposits to total assets | 88.5596% | 1,883 |
| Equity capital to assets | 10.6292% | 3,141 |
| Core capital (leverage) ratio | 9.7596% | 3,852 |
| Tier 1 risk-based capital ratio | 15.4010% | 3,527 |
| Total risk-based capital ratio | 16.4699% | 3,601 |
| Memoranda: | ||
| Average total assets | $144,106,000 | 3,869 |
| Average earning assets | $133,789,330 | 3,825 |
| Average equity | $15,759,330 | 3,810 |
| Average total loans | $96,945,000 | 3,565 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3435% | 465 |
| Cost of funding earning assets | 0.7799% | 1,645 |
| Net interest margin | 4.5635% | 603 |
| Noninterest income to average assets | 2.0720% | 413 |
| Noninterest expense to average assets | 5.1813% | 328 |
| Loan and lease loss provision to assets | 0.1660% | 2,202 |
| Net operating income to assets | 0.9654% | 2,372 |
| Return on assets (ROA) | 0.9654% | 2,507 |
| Pretax return on assets | 0.9654% | 3,508 |
| Return on Equity (ROE) | 8.7073% | 2,623 |
| Retained earnings to average equity (ytd only) | -3.7673% | 6,258 |
| Net charge-offs to loans | 0.0985% | 2,870 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 17.0417% | 1,338 |
| Efficiency ratio | 82.0771% | 2,026 |
| Assets per employee ($millions) | 2.1593% | 6,791 |
| Cash dividends to net income (ytd only)* | 143.2665% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 6,159 |
| Loan loss allowance to noncurrent loans | 33.5281% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 2.1421% | 2,192 |
| Noncurrent loans to loans | 2.8080% | 1,805 |
| Net loans and leases to total assets | 66.7644% | 2,234 |
| Net loans and leases to deposits | 76.3135% | 2,587 |
| Net loans and leases to core deposits | 79.1397% | 2,909 |
| Total domestic deposits to total assets | 87.4870% | 2,637 |
| Equity capital to assets | 10.9716% | 2,984 |
| Core capital (leverage) ratio | 9.6027% | 3,922 |
| Tier 1 risk-based capital ratio | 15.0670% | 3,791 |
| Total risk-based capital ratio | 16.0841% | 3,913 |
| Memoranda: | ||
| Average total assets | $144,597,000 | 3,901 |
| Average earning assets | $134,370,000 | 3,857 |
| Average equity | $16,032,500 | 3,817 |
| Average total loans | $97,432,000 | 3,576 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8284% | 347 |
| Cost of funding earning assets | 0.9141% | 1,855 |
| Net interest margin | 4.9143% | 439 |
| Noninterest income to average assets | 2.1330% | 397 |
| Noninterest expense to average assets | 4.7087% | 473 |
| Loan and lease loss provision to assets | 0.2570% | 2,593 |
| Net operating income to assets | 1.7052% | 609 |
| Return on assets (ROA) | 1.7058% | 688 |
| Pretax return on assets | 1.7058% | 1,125 |
| Return on Equity (ROE) | 16.3205% | 613 |
| Retained earnings to average equity (ytd only) | 8.5105% | 960 |
| Net charge-offs to loans | 0.1435% | 4,259 |
| Credit loss provision to net charge-offs | 250.9934% | 967 |
| Earnings coverage of net charge-offs (x) | 19.1656% | 1,402 |
| Efficiency ratio | 70.5458% | 3,698 |
| Assets per employee ($millions) | 2.2581% | 6,797 |
| Cash dividends to net income (ytd only)* | 47.8537% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 6,255 |
| Loan loss allowance to noncurrent loans | 32.1546% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 2.1416% | 2,283 |
| Noncurrent loans to loans | 2.8175% | 1,871 |
| Net loans and leases to total assets | 66.7543% | 2,413 |
| Net loans and leases to deposits | 76.6494% | 2,695 |
| Net loans and leases to core deposits | 79.6865% | 3,050 |
| Total domestic deposits to total assets | 87.0905% | 2,789 |
| Equity capital to assets | 11.2039% | 2,730 |
| Core capital (leverage) ratio | 9.6284% | 3,920 |
| Tier 1 risk-based capital ratio | 15.1370% | 3,648 |
| Total risk-based capital ratio | 16.1080% | 3,753 |
| Memoranda: | ||
| Average total assets | $147,492,800 | 3,814 |
| Average earning assets | $136,195,400 | 3,789 |
| Average equity | $15,416,200 | 3,875 |
| Average total loans | $105,191,000 | 3,389 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9066% | 328 |
| Cost of funding earning assets | 0.9302% | 1,978 |
| Net interest margin | 4.9764% | 420 |
| Noninterest income to average assets | 2.0282% | 416 |
| Noninterest expense to average assets | 4.6528% | 477 |
| Loan and lease loss provision to assets | 0.2869% | 2,276 |
| Net operating income to assets | 1.6793% | 725 |
| Return on assets (ROA) | 1.6802% | 801 |
| Pretax return on assets | 1.6802% | 1,329 |
| Return on Equity (ROE) | 16.3616% | 686 |
| Retained earnings to average equity (ytd only) | 5.8159% | 2,821 |
| Net charge-offs to loans | 0.1618% | 3,824 |
| Credit loss provision to net charge-offs | 245.3846% | 1,129 |
| Earnings coverage of net charge-offs (x) | 16.8153% | 1,657 |
| Efficiency ratio | 70.2405% | 3,646 |
| Assets per employee ($millions) | 2.2970% | 6,863 |
| Cash dividends to net income (ytd only)* | 64.4539% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 6,510 |
| Loan loss allowance to noncurrent loans | 32.8783% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 2.2590% | 2,360 |
| Noncurrent loans to loans | 2.5797% | 2,213 |
| Net loans and leases to total assets | 68.0987% | 2,280 |
| Net loans and leases to deposits | 78.0706% | 2,651 |
| Net loans and leases to core deposits | 80.9813% | 3,089 |
| Total domestic deposits to total assets | 87.2270% | 2,543 |
| Equity capital to assets | 10.8747% | 3,413 |
| Core capital (leverage) ratio | 8.9918% | 5,079 |
| Tier 1 risk-based capital ratio | 13.9916% | 4,526 |
| Total risk-based capital ratio | 14.8919% | 4,749 |
| Memoranda: | ||
| Average total assets | $148,235,750 | 3,848 |
| Average earning assets | $136,748,000 | 3,814 |
| Average equity | $15,222,250 | 3,948 |
| Average total loans | $107,149,750 | 3,390 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7597% | 431 |
| Cost of funding earning assets | 0.9389% | 2,125 |
| Net interest margin | 4.8208% | 538 |
| Noninterest income to average assets | 1.8874% | 432 |
| Noninterest expense to average assets | 4.5137% | 546 |
| Loan and lease loss provision to assets | 0.3480% | 1,891 |
| Net operating income to assets | 1.4791% | 1,029 |
| Return on assets (ROA) | 1.4791% | 1,154 |
| Pretax return on assets | 1.4791% | 1,925 |
| Return on Equity (ROE) | 14.6837% | 988 |
| Retained earnings to average equity (ytd only) | 3.9998% | 3,948 |
| Net charge-offs to loans | 0.2023% | 3,367 |
| Credit loss provision to net charge-offs | 234.2342% | 1,215 |
| Earnings coverage of net charge-offs (x) | 12.2973% | 1,891 |
| Efficiency ratio | 71.1210% | 3,581 |
| Assets per employee ($millions) | 2.2825% | 6,920 |
| Cash dividends to net income (ytd only)* | 72.7602% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 6,813 |
| Loan loss allowance to noncurrent loans | 31.0999% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 2.0904% | 2,675 |
| Noncurrent loans to loans | 2.2950% | 2,613 |
| Net loans and leases to total assets | 74.1506% | 1,222 |
| Net loans and leases to deposits | 88.8760% | 1,270 |
| Net loans and leases to core deposits | 92.0062% | 1,778 |
| Total domestic deposits to total assets | 83.4316% | 4,563 |
| Equity capital to assets | 10.2003% | 4,053 |
| Core capital (leverage) ratio | 8.7037% | 5,378 |
| Tier 1 risk-based capital ratio | 13.0526% | 5,149 |
| Total risk-based capital ratio | 13.8754% | 5,455 |
| Memoranda: | ||
| Average total assets | $149,410,330 | 3,850 |
| Average earning assets | $138,027,670 | 3,810 |
| Average equity | $15,050,670 | 3,977 |
| Average total loans | $109,736,330 | 3,343 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7285% | 491 |
| Cost of funding earning assets | 0.9825% | 2,087 |
| Net interest margin | 4.7461% | 632 |
| Noninterest income to average assets | 1.7124% | 510 |
| Noninterest expense to average assets | 4.7152% | 449 |
| Loan and lease loss provision to assets | 0.5350% | 1,116 |
| Net operating income to assets | 0.8387% | 3,206 |
| Return on assets (ROA) | 0.8387% | 3,443 |
| Pretax return on assets | 0.8387% | 4,270 |
| Return on Equity (ROE) | 8.3798% | 3,108 |
| Retained earnings to average equity (ytd only) | -5.0494% | 6,584 |
| Net charge-offs to loans | 0.1624% | 3,114 |
| Credit loss provision to net charge-offs | 452.2727% | 714 |
| Earnings coverage of net charge-offs (x) | 11.6136% | 1,660 |
| Efficiency ratio | 77.3951% | 2,584 |
| Assets per employee ($millions) | 2.3805% | 6,936 |
| Cash dividends to net income (ytd only)* | 160.2564% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 6,837 |
| Loan loss allowance to noncurrent loans | 44.9195% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 3,225 |
| Noncurrent loans to loans | 1.6318% | 3,663 |
| Net loans and leases to total assets | 73.0558% | 1,215 |
| Net loans and leases to deposits | 86.7810% | 1,317 |
| Net loans and leases to core deposits | 89.8151% | 1,865 |
| Total domestic deposits to total assets | 84.1841% | 4,408 |
| Equity capital to assets | 9.8320% | 4,331 |
| Core capital (leverage) ratio | 8.5291% | 5,547 |
| Tier 1 risk-based capital ratio | 12.7983% | 5,363 |
| Total risk-based capital ratio | 13.6437% | 5,646 |
| Memoranda: | ||
| Average total assets | $148,794,500 | 3,894 |
| Average earning assets | $137,208,000 | 3,862 |
| Average equity | $14,893,000 | 4,011 |
| Average total loans | $108,352,000 | 3,399 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9230% | 496 |
| Cost of funding earning assets | 1.1453% | 2,375 |
| Net interest margin | 4.7777% | 655 |
| Noninterest income to average assets | 1.5167% | 570 |
| Noninterest expense to average assets | 4.4195% | 634 |
| Loan and lease loss provision to assets | 0.2674% | 3,539 |
| Net operating income to assets | 1.2408% | 1,404 |
| Return on assets (ROA) | 1.3340% | 1,254 |
| Pretax return on assets | 1.3340% | 2,003 |
| Return on Equity (ROE) | 13.7114% | 1,013 |
| Retained earnings to average equity (ytd only) | 11.0939% | 391 |
| Net charge-offs to loans | 0.3099% | 3,850 |
| Credit loss provision to net charge-offs | 128.0405% | 2,422 |
| Earnings coverage of net charge-offs (x) | 7.2230% | 2,370 |
| Efficiency ratio | 74.4853% | 3,144 |
| Assets per employee ($millions) | 2.3432% | 6,975 |
| Cash dividends to net income (ytd only)* | 19.0904% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 6,998 |
| Loan loss allowance to noncurrent loans | 28.8869% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 2.1332% | 2,815 |
| Noncurrent loans to loans | 2.1291% | 3,033 |
| Net loans and leases to total assets | 71.5892% | 1,717 |
| Net loans and leases to deposits | 85.6763% | 1,705 |
| Net loans and leases to core deposits | 89.8678% | 2,146 |
| Total domestic deposits to total assets | 83.5578% | 4,515 |
| Equity capital to assets | 10.1890% | 3,922 |
| Core capital (leverage) ratio | 8.7612% | 5,157 |
| Tier 1 risk-based capital ratio | 13.1743% | 4,934 |
| Total risk-based capital ratio | 13.8672% | 5,342 |
| Memoranda: | ||
| Average total assets | $141,759,200 | 3,943 |
| Average earning assets | $130,879,200 | 3,911 |
| Average equity | $13,791,400 | 4,160 |
| Average total loans | $95,523,000 | 3,734 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9125% | 547 |
| Cost of funding earning assets | 1.1918% | 2,371 |
| Net interest margin | 4.7207% | 732 |
| Noninterest income to average assets | 1.3552% | 712 |
| Noninterest expense to average assets | 4.3327% | 692 |
| Loan and lease loss provision to assets | 0.3032% | 3,103 |
| Net operating income to assets | 1.0787% | 2,051 |
| Return on assets (ROA) | 1.2032% | 1,751 |
| Pretax return on assets | 1.2032% | 2,621 |
| Return on Equity (ROE) | 12.5229% | 1,405 |
| Retained earnings to average equity (ytd only) | 8.9520% | 1,161 |
| Net charge-offs to loans | 0.2255% | 4,028 |
| Credit loss provision to net charge-offs | 203.1847% | 1,442 |
| Earnings coverage of net charge-offs (x) | 9.2611% | 2,075 |
| Efficiency ratio | 75.7525% | 2,875 |
| Assets per employee ($millions) | 2.2568% | 7,105 |
| Cash dividends to net income (ytd only)* | 28.5149% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 6,889 |
| Loan loss allowance to noncurrent loans | 40.2747% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 1.8975% | 3,272 |
| Noncurrent loans to loans | 1.8707% | 3,542 |
| Net loans and leases to total assets | 69.0089% | 2,273 |
| Net loans and leases to deposits | 82.6525% | 2,231 |
| Net loans and leases to core deposits | 89.8766% | 2,265 |
| Total domestic deposits to total assets | 83.4928% | 4,481 |
| Equity capital to assets | 10.2922% | 3,969 |
| Core capital (leverage) ratio | 8.6918% | 5,423 |
| Tier 1 risk-based capital ratio | 13.4393% | 4,781 |
| Total risk-based capital ratio | 14.2735% | 5,051 |
| Memoranda: | ||
| Average total assets | $140,294,000 | 3,988 |
| Average earning assets | $129,552,750 | 3,967 |
| Average equity | $13,479,000 | 4,246 |
| Average total loans | $92,820,250 | 3,823 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8534% | 647 |
| Cost of funding earning assets | 1.2612% | 2,177 |
| Net interest margin | 4.5921% | 919 |
| Noninterest income to average assets | 1.2035% | 884 |
| Noninterest expense to average assets | 4.2416% | 796 |
| Loan and lease loss provision to assets | 0.3604% | 2,628 |
| Net operating income to assets | 0.8489% | 2,862 |
| Return on assets (ROA) | 0.9814% | 2,406 |
| Pretax return on assets | 0.9814% | 3,307 |
| Return on Equity (ROE) | 10.4618% | 1,958 |
| Retained earnings to average equity (ytd only) | 6.5443% | 2,116 |
| Net charge-offs to loans | 0.2475% | 3,640 |
| Credit loss provision to net charge-offs | 223.8938% | 1,338 |
| Earnings coverage of net charge-offs (x) | 7.5133% | 2,209 |
| Efficiency ratio | 77.7371% | 2,752 |
| Assets per employee ($millions) | 2.3803% | 7,045 |
| Cash dividends to net income (ytd only)* | 37.4456% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7657% | 6,927 |
| Loan loss allowance to noncurrent loans | 30.2425% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9622% | 3,285 |
| Noncurrent loans to loans | 2.5318% | 2,856 |
| Net loans and leases to total assets | 66.7463% | 2,871 |
| Net loans and leases to deposits | 77.3696% | 3,241 |
| Net loans and leases to core deposits | 84.7252% | 3,111 |
| Total domestic deposits to total assets | 86.2694% | 3,173 |
| Equity capital to assets | 9.8858% | 4,288 |
| Core capital (leverage) ratio | 8.3278% | 5,822 |
| Tier 1 risk-based capital ratio | 13.1039% | 4,834 |
| Total risk-based capital ratio | 13.9261% | 5,165 |
| Memoranda: | ||
| Average total assets | $140,418,330 | 4,018 |
| Average earning assets | $129,874,330 | 3,986 |
| Average equity | $13,171,670 | 4,300 |
| Average total loans | $91,330,000 | 3,910 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7472% | 806 |
| Cost of funding earning assets | 1.3270% | 2,027 |
| Net interest margin | 4.4202% | 1,235 |
| Noninterest income to average assets | 1.1723% | 941 |
| Noninterest expense to average assets | 3.8673% | 1,222 |
| Loan and lease loss provision to assets | 0.5057% | 1,719 |
| Net operating income to assets | 0.8927% | 2,600 |
| Return on assets (ROA) | 0.9548% | 2,404 |
| Pretax return on assets | 0.9548% | 3,302 |
| Return on Equity (ROE) | 10.4535% | 1,928 |
| Retained earnings to average equity (ytd only) | 8.8143% | 1,443 |
| Net charge-offs to loans | 0.2783% | 2,956 |
| Credit loss provision to net charge-offs | 284.1270% | 1,119 |
| Earnings coverage of net charge-offs (x) | 7.8571% | 1,887 |
| Efficiency ratio | 73.3906% | 3,623 |
| Assets per employee ($millions) | 2.4841% | 7,009 |
| Cash dividends to net income (ytd only)* | 15.6805% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 6,941 |
| Loan loss allowance to noncurrent loans | 27.5240% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 2.4283% | 2,801 |
| Noncurrent loans to loans | 2.8660% | 2,631 |
| Net loans and leases to total assets | 62.1113% | 3,832 |
| Net loans and leases to deposits | 72.0571% | 4,069 |
| Net loans and leases to core deposits | 78.8428% | 3,919 |
| Total domestic deposits to total assets | 86.1973% | 3,400 |
| Equity capital to assets | 9.4817% | 4,462 |
| Core capital (leverage) ratio | 8.0742% | 6,157 |
| Tier 1 risk-based capital ratio | 13.2538% | 4,617 |
| Total risk-based capital ratio | 14.0679% | 4,946 |
| Memoranda: | ||
| Average total assets | $141,599,000 | 4,031 |
| Average earning assets | $131,124,000 | 3,999 |
| Average equity | $12,933,500 | 4,351 |
| Average total loans | $90,565,500 | 3,964 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7957% | 1,285 |
| Cost of funding earning assets | 1.6246% | 1,929 |
| Net interest margin | 4.1711% | 2,291 |
| Noninterest income to average assets | 1.0780% | 1,284 |
| Noninterest expense to average assets | 3.9037% | 1,311 |
| Loan and lease loss provision to assets | 0.3714% | 3,899 |
| Net operating income to assets | 0.6633% | 3,379 |
| Return on assets (ROA) | 0.6662% | 3,506 |
| Pretax return on assets | 0.6662% | 4,104 |
| Return on Equity (ROE) | 7.3193% | 2,968 |
| Retained earnings to average equity (ytd only) | 5.8110% | 1,931 |
| Net charge-offs to loans | 0.5359% | 3,470 |
| Credit loss provision to net charge-offs | 116.8182% | 3,669 |
| Earnings coverage of net charge-offs (x) | 3.2545% | 3,450 |
| Efficiency ratio | 78.9612% | 2,544 |
| Assets per employee ($millions) | 2.7709% | 6,570 |
| Cash dividends to net income (ytd only)* | 20.6074% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6072% | 7,254 |
| Loan loss allowance to noncurrent loans | 34.7112% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 1.8398% | 3,575 |
| Noncurrent loans to loans | 1.7492% | 3,882 |
| Net loans and leases to total assets | 64.8701% | 3,693 |
| Net loans and leases to deposits | 75.3875% | 3,940 |
| Net loans and leases to core deposits | 82.4454% | 3,829 |
| Total domestic deposits to total assets | 86.0488% | 3,335 |
| Equity capital to assets | 8.7981% | 5,436 |
| Core capital (leverage) ratio | 7.8329% | 6,400 |
| Tier 1 risk-based capital ratio | 12.4794% | 5,039 |
| Total risk-based capital ratio | 13.1332% | 5,572 |
| Memoranda: | ||
| Average total assets | $138,406,600 | 4,087 |
| Average earning assets | $128,094,400 | 4,063 |
| Average equity | $12,596,800 | 4,462 |
| Average total loans | $82,111,000 | 4,275 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8156% | 1,351 |
| Cost of funding earning assets | 1.6748% | 1,987 |
| Net interest margin | 4.1408% | 2,445 |
| Noninterest income to average assets | 1.0229% | 1,403 |
| Noninterest expense to average assets | 3.7725% | 1,426 |
| Loan and lease loss provision to assets | 0.3913% | 3,546 |
| Net operating income to assets | 0.6901% | 3,465 |
| Return on assets (ROA) | 0.6940% | 3,603 |
| Pretax return on assets | 0.6940% | 4,248 |
| Return on Equity (ROE) | 7.5587% | 3,081 |
| Retained earnings to average equity (ytd only) | 5.5445% | 2,626 |
| Net charge-offs to loans | 0.6403% | 2,828 |
| Credit loss provision to net charge-offs | 105.7895% | 4,043 |
| Earnings coverage of net charge-offs (x) | 2.9237% | 3,674 |
| Efficiency ratio | 77.6419% | 2,671 |
| Assets per employee ($millions) | 2.6221% | 6,900 |
| Cash dividends to net income (ytd only)* | 26.6484% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6103% | 7,338 |
| Loan loss allowance to noncurrent loans | 36.0167% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 3,790 |
| Noncurrent loans to loans | 1.6946% | 4,094 |
| Net loans and leases to total assets | 60.8147% | 4,757 |
| Net loans and leases to deposits | 70.9974% | 4,997 |
| Net loans and leases to core deposits | 74.4903% | 5,233 |
| Total domestic deposits to total assets | 85.6576% | 3,263 |
| Equity capital to assets | 9.4810% | 4,875 |
| Core capital (leverage) ratio | 7.7560% | 6,620 |
| Tier 1 risk-based capital ratio | 12.8288% | 4,710 |
| Total risk-based capital ratio | 13.4552% | 5,234 |
| Memoranda: | ||
| Average total assets | $136,986,250 | 4,164 |
| Average earning assets | $126,737,000 | 4,140 |
| Average equity | $12,576,750 | 4,533 |
| Average total loans | $79,128,500 | 4,429 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7390% | 1,602 |
| Cost of funding earning assets | 1.6976% | 2,127 |
| Net interest margin | 4.0414% | 2,833 |
| Noninterest income to average assets | 1.0240% | 1,301 |
| Noninterest expense to average assets | 3.7279% | 1,505 |
| Loan and lease loss provision to assets | 0.3345% | 3,725 |
| Net operating income to assets | 0.7057% | 3,380 |
| Return on assets (ROA) | 0.7057% | 3,534 |
| Pretax return on assets | 0.7057% | 4,213 |
| Return on Equity (ROE) | 7.7725% | 2,977 |
| Retained earnings to average equity (ytd only) | 5.5425% | 2,588 |
| Net charge-offs to loans | 0.4406% | 3,220 |
| Credit loss provision to net charge-offs | 134.1176% | 2,996 |
| Earnings coverage of net charge-offs (x) | 4.1706% | 3,031 |
| Efficiency ratio | 78.0923% | 2,717 |
| Assets per employee ($millions) | 2.6732% | 6,819 |
| Cash dividends to net income (ytd only)* | 28.6902% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6921% | 7,268 |
| Loan loss allowance to noncurrent loans | 36.3696% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4719% | 4,258 |
| Noncurrent loans to loans | 1.9031% | 3,861 |
| Net loans and leases to total assets | 57.2856% | 5,525 |
| Net loans and leases to deposits | 66.7351% | 5,719 |
| Net loans and leases to core deposits | 70.2598% | 5,845 |
| Total domestic deposits to total assets | 85.8403% | 3,182 |
| Equity capital to assets | 9.1132% | 5,277 |
| Core capital (leverage) ratio | 7.7507% | 6,555 |
| Tier 1 risk-based capital ratio | 13.0374% | 4,409 |
| Total risk-based capital ratio | 13.7300% | 4,857 |
| Memoranda: | ||
| Average total assets | $136,324,000 | 4,204 |
| Average earning assets | $126,293,330 | 4,176 |
| Average equity | $12,377,000 | 4,579 |
| Average total loans | $77,159,670 | 4,537 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6717% | 1,880 |
| Cost of funding earning assets | 1.7589% | 2,081 |
| Net interest margin | 3.9128% | 3,271 |
| Noninterest income to average assets | 0.6016% | 3,269 |
| Noninterest expense to average assets | 3.1886% | 2,915 |
| Loan and lease loss provision to assets | 0.1778% | 4,746 |
| Net operating income to assets | 0.8742% | 2,656 |
| Return on assets (ROA) | 0.8742% | 2,738 |
| Pretax return on assets | 0.8742% | 3,562 |
| Return on Equity (ROE) | 9.6472% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.6472% | 1,221 |
| Net charge-offs to loans | 0.1533% | 4,012 |
| Credit loss provision to net charge-offs | 206.8966% | 1,800 |
| Earnings coverage of net charge-offs (x) | 12.2414% | 1,582 |
| Efficiency ratio | 75.1223% | 3,375 |
| Assets per employee ($millions) | 3.1623% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 7,350 |
| Loan loss allowance to noncurrent loans | 34.2412% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 4,586 |
| Noncurrent loans to loans | 2.0218% | 3,761 |
| Net loans and leases to total assets | 55.7009% | 5,792 |
| Net loans and leases to deposits | 65.0824% | 5,928 |
| Net loans and leases to core deposits | 69.5369% | 5,952 |
| Total domestic deposits to total assets | 85.5852% | 3,369 |
| Equity capital to assets | 9.1765% | 5,022 |
| Core capital (leverage) ratio | 7.8745% | 6,412 |
| Tier 1 risk-based capital ratio | 13.9089% | 3,717 |
| Total risk-based capital ratio | 14.6112% | 4,040 |
| Memoranda: | ||
| Average total assets | $134,982,500 | 4,302 |
| Average earning assets | $125,536,500 | 4,249 |
| Average equity | $12,231,500 | 4,651 |
| Average total loans | $75,646,500 | 4,650 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1878% | 1,263 |
| Cost of funding earning assets | 2.0691% | 2,635 |
| Net interest margin | 4.1187% | 2,369 |
| Noninterest income to average assets | 0.7001% | 2,980 |
| Noninterest expense to average assets | 3.4140% | 2,628 |
| Loan and lease loss provision to assets | 0.3186% | 4,907 |
| Net operating income to assets | 0.8087% | 2,505 |
| Return on assets (ROA) | 0.9188% | 2,178 |
| Pretax return on assets | 0.9188% | 2,864 |
| Return on Equity (ROE) | 10.2913% | 1,608 |
| Retained earnings to average equity (ytd only) | 5.6567% | 1,494 |
| Net charge-offs to loans | 0.3794% | 4,311 |
| Credit loss provision to net charge-offs | 146.7391% | 3,220 |
| Earnings coverage of net charge-offs (x) | 5.1920% | 2,664 |
| Efficiency ratio | 75.0736% | 3,696 |
| Assets per employee ($millions) | 3.2680% | 5,566 |
| Cash dividends to net income (ytd only)* | 45.0342% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 7,452 |
| Loan loss allowance to noncurrent loans | 36.7876% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 4,732 |
| Noncurrent loans to loans | 1.8008% | 3,928 |
| Net loans and leases to total assets | 55.6226% | 6,011 |
| Net loans and leases to deposits | 64.9983% | 6,162 |
| Net loans and leases to core deposits | 85.1698% | 5,600 |
| Total domestic deposits to total assets | 85.5755% | 3,241 |
| Equity capital to assets | 8.9449% | 5,227 |
| Core capital (leverage) ratio | 7.7034% | 6,553 |
| Tier 1 risk-based capital ratio | 13.5779% | 3,775 |
| Total risk-based capital ratio | 14.2420% | 4,096 |
| Memoranda: | ||
| Average total assets | $127,121,800 | 4,398 |
| Average earning assets | $118,555,600 | 4,337 |
| Average equity | $11,349,400 | 4,920 |
| Average total loans | $72,743,800 | 4,771 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2327% | 1,289 |
| Cost of funding earning assets | 2.1201% | 2,801 |
| Net interest margin | 4.1126% | 2,344 |
| Noninterest income to average assets | 0.7357% | 2,791 |
| Noninterest expense to average assets | 3.3225% | 2,831 |
| Loan and lease loss provision to assets | 0.2658% | 4,837 |
| Net operating income to assets | 0.9856% | 2,109 |
| Return on assets (ROA) | 1.1344% | 1,695 |
| Pretax return on assets | 1.1344% | 2,462 |
| Return on Equity (ROE) | 12.7128% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.4458% | 1,739 |
| Net charge-offs to loans | 0.2124% | 4,705 |
| Credit loss provision to net charge-offs | 217.3913% | 2,016 |
| Earnings coverage of net charge-offs (x) | 10.2347% | 1,986 |
| Efficiency ratio | 72.5477% | 4,141 |
| Assets per employee ($millions) | 3.4397% | 5,076 |
| Cash dividends to net income (ytd only)* | 49.2974% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6743% | 7,432 |
| Loan loss allowance to noncurrent loans | 35.7244% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 1.3473% | 4,397 |
| Noncurrent loans to loans | 1.8875% | 3,789 |
| Net loans and leases to total assets | 56.6851% | 6,070 |
| Net loans and leases to deposits | 66.7844% | 6,231 |
| Net loans and leases to core deposits | 88.6385% | 5,577 |
| Total domestic deposits to total assets | 84.8777% | 3,296 |
| Equity capital to assets | 9.1318% | 5,287 |
| Core capital (leverage) ratio | 8.3596% | 5,733 |
| Tier 1 risk-based capital ratio | 14.6363% | 3,205 |
| Total risk-based capital ratio | 15.3156% | 3,457 |
| Memoranda: | ||
| Average total assets | $125,405,500 | 4,467 |
| Average earning assets | $117,035,250 | 4,407 |
| Average equity | $11,190,500 | 5,021 |
| Average total loans | $72,173,750 | 4,837 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3447% | 1,102 |
| Cost of funding earning assets | 2.1693% | 2,940 |
| Net interest margin | 4.1754% | 2,075 |
| Noninterest income to average assets | 0.7829% | 2,498 |
| Noninterest expense to average assets | 3.3566% | 2,763 |
| Loan and lease loss provision to assets | 0.3316% | 3,948 |
| Net operating income to assets | 0.9835% | 2,168 |
| Return on assets (ROA) | 1.1566% | 1,673 |
| Pretax return on assets | 1.1566% | 2,440 |
| Return on Equity (ROE) | 13.0689% | 1,169 |
| Retained earnings to average equity (ytd only) | 8.8101% | 985 |
| Net charge-offs to loans | 0.2999% | 3,690 |
| Credit loss provision to net charge-offs | 191.5888% | 2,385 |
| Earnings coverage of net charge-offs (x) | 7.5981% | 2,421 |
| Efficiency ratio | 71.7452% | 4,468 |
| Assets per employee ($millions) | 3.3552% | 5,173 |
| Cash dividends to net income (ytd only)* | 32.5874% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 7,575 |
| Loan loss allowance to noncurrent loans | 31.7872% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 1.5781% | 3,853 |
| Noncurrent loans to loans | 1.9906% | 3,538 |
| Net loans and leases to total assets | 57.3966% | 6,049 |
| Net loans and leases to deposits | 67.4685% | 6,251 |
| Net loans and leases to core deposits | 88.1579% | 5,706 |
| Total domestic deposits to total assets | 85.0718% | 3,227 |
| Equity capital to assets | 8.5877% | 5,917 |
| Core capital (leverage) ratio | 8.6536% | 5,176 |
| Tier 1 risk-based capital ratio | 14.9268% | 3,053 |
| Total risk-based capital ratio | 15.5722% | 3,277 |
| Memoranda: | ||
| Average total assets | $123,638,000 | 4,541 |
| Average earning assets | $115,152,000 | 4,485 |
| Average equity | $10,942,000 | 5,106 |
| Average total loans | $71,366,670 | 4,908 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3471% | 1,182 |
| Cost of funding earning assets | 2.2721% | 2,830 |
| Net interest margin | 4.0750% | 2,382 |
| Noninterest income to average assets | 0.8348% | 2,157 |
| Noninterest expense to average assets | 3.1912% | 3,029 |
| Loan and lease loss provision to assets | 0.1479% | 5,047 |
| Net operating income to assets | 1.2916% | 1,400 |
| Return on assets (ROA) | 1.2916% | 1,494 |
| Pretax return on assets | 1.2916% | 2,313 |
| Return on Equity (ROE) | 14.3713% | 1,093 |
| Retained earnings to average equity (ytd only) | 9.2883% | 1,402 |
| Net charge-offs to loans | -0.0968% | 7,867 |
| Credit loss provision to net charge-offs | -264.7059% | 6,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7722% | 4,825 |
| Assets per employee ($millions) | 3.2131% | 5,561 |
| Cash dividends to net income (ytd only)* | 35.3690% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 7,649 |
| Loan loss allowance to noncurrent loans | 23.3062% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 1.9240% | 3,020 |
| Noncurrent loans to loans | 2.6034% | 2,534 |
| Net loans and leases to total assets | 56.2110% | 6,211 |
| Net loans and leases to deposits | 65.8841% | 6,387 |
| Net loans and leases to core deposits | 85.4602% | 5,955 |
| Total domestic deposits to total assets | 85.3180% | 3,052 |
| Equity capital to assets | 8.8923% | 5,492 |
| Core capital (leverage) ratio | 8.6079% | 5,327 |
| Tier 1 risk-based capital ratio | 15.0989% | 3,015 |
| Total risk-based capital ratio | 15.7144% | 3,251 |
| Memoranda: | ||
| Average total assets | $121,708,500 | 4,599 |
| Average earning assets | $113,375,500 | 4,549 |
| Average equity | $10,938,500 | 5,127 |
| Average total loans | $70,227,500 | 4,975 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1309% | 860 |
| Cost of funding earning assets | 2.5209% | 4,089 |
| Net interest margin | 4.6100% | 1,150 |
| Noninterest income to average assets | 0.9311% | 1,852 |
| Noninterest expense to average assets | 3.6835% | 1,983 |
| Loan and lease loss provision to assets | 0.1671% | 5,246 |
| Net operating income to assets | 1.3228% | 1,422 |
| Return on assets (ROA) | 1.3637% | 1,268 |
| Pretax return on assets | 1.3637% | 2,076 |
| Return on Equity (ROE) | 14.9907% | 928 |
| Retained earnings to average equity (ytd only) | 11.2252% | 299 |
| Net charge-offs to loans | 0.4602% | 2,525 |
| Credit loss provision to net charge-offs | 60.4027% | 6,226 |
| Earnings coverage of net charge-offs (x) | 5.3859% | 3,660 |
| Efficiency ratio | 71.0928% | 4,115 |
| Assets per employee ($millions) | 3.0284% | 5,991 |
| Cash dividends to net income (ytd only)* | 25.1191% | 4,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5288% | 7,803 |
| Loan loss allowance to noncurrent loans | 21.6853% | 7,154 |
| Noncurrent assets plus other real estate owned to assets | 1.9381% | 2,535 |
| Noncurrent loans to loans | 2.4387% | 2,250 |
| Net loans and leases to total assets | 58.6070% | 6,115 |
| Net loans and leases to deposits | 69.2162% | 6,349 |
| Net loans and leases to core deposits | 89.7177% | 5,828 |
| Total domestic deposits to total assets | 84.6724% | 2,995 |
| Equity capital to assets | 9.0884% | 5,241 |
| Core capital (leverage) ratio | 8.8647% | 4,950 |
| Tier 1 risk-based capital ratio | 15.0776% | 3,001 |
| Total risk-based capital ratio | 15.6168% | 3,274 |
| Memoranda: | ||
| Average total assets | $107,722,200 | 4,839 |
| Average earning assets | $99,131,600 | 4,829 |
| Average equity | $9,799,400 | 5,478 |
| Average total loans | $64,748,000 | 5,064 |