Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4584% | 3,172 |
| Cost of funding earning assets | 1.2572% | 2,637 |
| Net interest margin | 3.2012% | 2,872 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 3.5741% | 528 |
| Loan and lease loss provision to assets | -0.8000% | 4,591 |
| Net operating income to assets | 0.6197% | 3,386 |
| Return on assets (ROA) | 0.5856% | 3,472 |
| Pretax return on assets | 0.4569% | 3,885 |
| Return on Equity (ROE) | 7.3600% | 3,198 |
| Retained earnings to average equity (ytd only) | 2.9685% | 3,281 |
| Net charge-offs to loans | -0.0150% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 103.4501% | 154 |
| Assets per employee ($millions) | 4.3893% | 3,998 |
| Cash dividends to net income (ytd only)* | 59.6798% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9932% | 117 |
| Loan loss allowance to noncurrent loans | 380.9237% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 1.1054% | 418 |
| Noncurrent loans to loans | 0.7858% | 987 |
| Net loans and leases to total assets | 51.8800% | 3,485 |
| Net loans and leases to deposits | 57.1292% | 3,661 |
| Net loans and leases to core deposits | 59.6114% | 3,774 |
| Total domestic deposits to total assets | 90.8000% | 556 |
| Equity capital to assets | 8.3991% | 3,122 |
| Core capital (leverage) ratio | 12.3013% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $117,314,800 | 3,677 |
| Average earning assets | $105,553,800 | 3,689 |
| Average equity | $9,331,400 | 3,787 |
| Average total loans | $60,043,000 | 3,710 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 3,151 |
| Cost of funding earning assets | 1.0932% | 2,763 |
| Net interest margin | 3.2821% | 2,727 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 3.3943% | 628 |
| Loan and lease loss provision to assets | -1.0700% | 4,621 |
| Net operating income to assets | 1.0403% | 2,248 |
| Return on assets (ROA) | 0.9947% | 2,364 |
| Pretax return on assets | 0.9902% | 2,881 |
| Return on Equity (ROE) | 12.6900% | 1,962 |
| Retained earnings to average equity (ytd only) | 8.2244% | 1,880 |
| Net charge-offs to loans | -0.0158% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.1783% | 243 |
| Assets per employee ($millions) | 4.0000% | 4,171 |
| Cash dividends to net income (ytd only)* | 35.1661% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9705% | 123 |
| Loan loss allowance to noncurrent loans | 133.9223% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9198% | 155 |
| Noncurrent loans to loans | 2.2180% | 243 |
| Net loans and leases to total assets | 53.3600% | 3,403 |
| Net loans and leases to deposits | 59.7611% | 3,515 |
| Net loans and leases to core deposits | 62.2192% | 3,605 |
| Total domestic deposits to total assets | 89.2900% | 1,159 |
| Equity capital to assets | 7.6991% | 3,245 |
| Core capital (leverage) ratio | 12.5676% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $117,015,500 | 3,690 |
| Average earning assets | $105,865,750 | 3,700 |
| Average equity | $9,175,750 | 3,807 |
| Average total loans | $59,209,750 | 3,727 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 3,171 |
| Cost of funding earning assets | 0.9023% | 2,919 |
| Net interest margin | 3.3582% | 2,619 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.4119% | 594 |
| Loan and lease loss provision to assets | -1.1100% | 4,648 |
| Net operating income to assets | 1.0784% | 2,180 |
| Return on assets (ROA) | 1.0123% | 2,379 |
| Pretax return on assets | 1.0430% | 2,792 |
| Return on Equity (ROE) | 12.8300% | 1,941 |
| Retained earnings to average equity (ytd only) | 8.4041% | 1,849 |
| Net charge-offs to loans | -0.0139% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.0619% | 260 |
| Assets per employee ($millions) | 3.9354% | 4,208 |
| Cash dividends to net income (ytd only)* | 34.5118% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6120% | 84 |
| Loan loss allowance to noncurrent loans | 445.9184% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 372 |
| Noncurrent loans to loans | 0.8100% | 941 |
| Net loans and leases to total assets | 51.0900% | 3,483 |
| Net loans and leases to deposits | 55.8479% | 3,654 |
| Net loans and leases to core deposits | 57.9303% | 3,725 |
| Total domestic deposits to total assets | 91.4800% | 512 |
| Equity capital to assets | 8.1137% | 3,146 |
| Core capital (leverage) ratio | 12.1375% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $117,353,667 | 3,696 |
| Average earning assets | $105,949,000 | 3,711 |
| Average equity | $9,257,333 | 3,819 |
| Average total loans | $57,681,333 | 3,756 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 3,230 |
| Cost of funding earning assets | 0.6335% | 3,281 |
| Net interest margin | 3.4787% | 2,423 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.2244% | 773 |
| Loan and lease loss provision to assets | -2.1900% | 4,675 |
| Net operating income to assets | 2.4067% | 275 |
| Return on assets (ROA) | 2.2763% | 333 |
| Pretax return on assets | 2.3368% | 454 |
| Return on Equity (ROE) | 29.2600% | 250 |
| Retained earnings to average equity (ytd only) | 24.8487% | 183 |
| Net charge-offs to loans | 0.0071% | 1,682 |
| Credit loss provision to net charge-offs | -65,000.0000% | 4,693 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 868 |
| Efficiency ratio | 86.2069% | 501 |
| Assets per employee ($millions) | 4.0659% | 4,223 |
| Cash dividends to net income (ytd only)* | 15.0665% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9187% | 65 |
| Loan loss allowance to noncurrent loans | 150.1377% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.9201% | 133 |
| Noncurrent loans to loans | 2.6101% | 181 |
| Net loans and leases to total assets | 45.3300% | 3,806 |
| Net loans and leases to deposits | 49.7145% | 3,900 |
| Net loans and leases to core deposits | 51.5921% | 3,930 |
| Total domestic deposits to total assets | 91.1800% | 743 |
| Equity capital to assets | 8.4030% | 2,965 |
| Core capital (leverage) ratio | 12.0422% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $118,966,500 | 3,734 |
| Average earning assets | $106,705,000 | 3,751 |
| Average equity | $9,256,000 | 3,865 |
| Average total loans | $56,275,500 | 3,817 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 1,407 |
| Cost of funding earning assets | 0.3076% | 2,814 |
| Net interest margin | 3.8227% | 1,112 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 3.4177% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3740% | 4,279 |
| Return on assets (ROA) | 0.4141% | 4,193 |
| Pretax return on assets | 0.4603% | 4,220 |
| Return on Equity (ROE) | 5.0100% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.0140% | 3,044 |
| Net charge-offs to loans | -0.8640% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.0169% | 495 |
| Assets per employee ($millions) | 4.1387% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9736% | 40 |
| Loan loss allowance to noncurrent loans | 179.8602% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.9880% | 121 |
| Noncurrent loans to loans | 2.7653% | 161 |
| Net loans and leases to total assets | 45.0700% | 3,845 |
| Net loans and leases to deposits | 48.7508% | 3,945 |
| Net loans and leases to core deposits | 50.1567% | 3,973 |
| Total domestic deposits to total assets | 92.4400% | 538 |
| Equity capital to assets | 7.1686% | 3,569 |
| Core capital (leverage) ratio | 11.5949% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $123,388,200 | 3,698 |
| Average earning assets | $112,144,400 | 3,700 |
| Average equity | $10,191,400 | 3,848 |
| Average total loans | $59,378,400 | 3,743 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 913 |
| Cost of funding earning assets | 0.2820% | 2,362 |
| Net interest margin | 3.9036% | 801 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 3.2445% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6443% | 3,713 |
| Return on assets (ROA) | 0.6998% | 3,529 |
| Pretax return on assets | 0.7405% | 3,713 |
| Return on Equity (ROE) | 8.2100% | 3,267 |
| Retained earnings to average equity (ytd only) | 8.2102% | 1,923 |
| Net charge-offs to loans | -1.1157% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.6107% | 947 |
| Assets per employee ($millions) | 4.0520% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8011% | 44 |
| Loan loss allowance to noncurrent loans | 183.3550% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.9999% | 131 |
| Noncurrent loans to loans | 2.6185% | 197 |
| Net loans and leases to total assets | 47.5900% | 3,665 |
| Net loans and leases to deposits | 51.4165% | 3,769 |
| Net loans and leases to core deposits | 53.0991% | 3,804 |
| Total domestic deposits to total assets | 92.5500% | 701 |
| Equity capital to assets | 7.1885% | 3,412 |
| Core capital (leverage) ratio | 11.3377% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $124,229,500 | 3,721 |
| Average earning assets | $113,464,000 | 3,716 |
| Average equity | $10,588,250 | 3,852 |
| Average total loans | $59,993,000 | 3,743 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 543 |
| Cost of funding earning assets | 0.2693% | 2,035 |
| Net interest margin | 4.0054% | 491 |
| Noninterest income to average assets | 0.3700% | 2,927 |
| Noninterest expense to average assets | 3.1834% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7972% | 2,966 |
| Return on assets (ROA) | 0.8207% | 2,857 |
| Pretax return on assets | 0.8808% | 3,115 |
| Return on Equity (ROE) | 9.1842% | 2,632 |
| Retained earnings to average equity (ytd only) | 9.1842% | 1,233 |
| Net charge-offs to loans | -0.7681% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9233% | 1,517 |
| Assets per employee ($millions) | 4.4095% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4351% | 53 |
| Loan loss allowance to noncurrent loans | 167.4327% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.8912% | 164 |
| Noncurrent loans to loans | 2.6489% | 211 |
| Net loans and leases to total assets | 44.5029% | 3,795 |
| Net loans and leases to deposits | 48.5324% | 3,896 |
| Net loans and leases to core deposits | 50.7392% | 3,893 |
| Total domestic deposits to total assets | 91.6973% | 964 |
| Equity capital to assets | 7.9641% | 3,152 |
| Core capital (leverage) ratio | 10.8122% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,470,333 | 3,737 |
| Average earning assets | $115,843,000 | 3,750 |
| Average equity | $11,302,000 | 3,850 |
| Average total loans | $60,412,000 | 3,778 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3516% | 2,237 |
| Cost of funding earning assets | 0.2782% | 1,842 |
| Net interest margin | 3.0734% | 2,257 |
| Noninterest income to average assets | 0.4251% | 2,526 |
| Noninterest expense to average assets | 3.2007% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0219% | 4,535 |
| Return on assets (ROA) | 0.0281% | 4,509 |
| Pretax return on assets | 0.0281% | 4,505 |
| Return on Equity (ROE) | 0.2991% | 4,503 |
| Retained earnings to average equity (ytd only) | 0.2991% | 3,955 |
| Net charge-offs to loans | -0.0711% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2105% | 415 |
| Assets per employee ($millions) | 4.2271% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8846% | 79 |
| Loan loss allowance to noncurrent loans | 70.1717% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 3.2576% | 57 |
| Noncurrent loans to loans | 5.5358% | 53 |
| Net loans and leases to total assets | 45.4417% | 3,629 |
| Net loans and leases to deposits | 49.9082% | 3,737 |
| Net loans and leases to core deposits | 52.1106% | 3,731 |
| Total domestic deposits to total assets | 91.0506% | 1,009 |
| Equity capital to assets | 8.6363% | 3,035 |
| Core capital (leverage) ratio | 9.9460% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,972,500 | 3,734 |
| Average earning assets | $116,481,500 | 3,764 |
| Average equity | $12,036,500 | 3,858 |
| Average total loans | $61,870,000 | 3,765 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 1,195 |
| Cost of funding earning assets | 0.3832% | 1,657 |
| Net interest margin | 3.6967% | 1,226 |
| Noninterest income to average assets | 0.3323% | 3,424 |
| Noninterest expense to average assets | 3.7961% | 352 |
| Loan and lease loss provision to assets | 0.0311% | 2,433 |
| Net operating income to assets | -0.0287% | 4,691 |
| Return on assets (ROA) | 0.0156% | 4,680 |
| Pretax return on assets | -0.0529% | 4,701 |
| Return on Equity (ROE) | 0.1467% | 4,678 |
| Retained earnings to average equity (ytd only) | 0.1467% | 4,450 |
| Net charge-offs to loans | 0.3168% | 266 |
| Credit loss provision to net charge-offs | 17.5439% | 2,282 |
| Earnings coverage of net charge-offs (x) | -0.4386% | 2,654 |
| Efficiency ratio | 96.6722% | 187 |
| Assets per employee ($millions) | 4.3044% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6341% | 87 |
| Loan loss allowance to noncurrent loans | 68.5393% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 3.2478% | 64 |
| Noncurrent loans to loans | 5.3022% | 67 |
| Net loans and leases to total assets | 47.6001% | 3,531 |
| Net loans and leases to deposits | 53.2071% | 3,648 |
| Net loans and leases to core deposits | 55.6071% | 3,651 |
| Total domestic deposits to total assets | 89.4619% | 1,263 |
| Equity capital to assets | 10.1609% | 2,512 |
| Core capital (leverage) ratio | 10.0636% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,500,200 | 3,695 |
| Average earning assets | $117,698,600 | 3,712 |
| Average equity | $13,629,200 | 3,778 |
| Average total loans | $71,959,200 | 3,610 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 989 |
| Cost of funding earning assets | 0.4049% | 1,666 |
| Net interest margin | 3.8695% | 991 |
| Noninterest income to average assets | 0.3179% | 3,527 |
| Noninterest expense to average assets | 3.7607% | 353 |
| Loan and lease loss provision to assets | 0.0413% | 2,171 |
| Net operating income to assets | 0.0883% | 4,703 |
| Return on assets (ROA) | 0.1226% | 4,701 |
| Pretax return on assets | 0.1039% | 4,710 |
| Return on Equity (ROE) | 1.1437% | 4,683 |
| Retained earnings to average equity (ytd only) | 1.1437% | 4,384 |
| Net charge-offs to loans | 0.3856% | 198 |
| Credit loss provision to net charge-offs | 18.6916% | 1,995 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 2,404 |
| Efficiency ratio | 91.9238% | 274 |
| Assets per employee ($millions) | 4.2728% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5087% | 104 |
| Loan loss allowance to noncurrent loans | 63.2321% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 3.5106% | 58 |
| Noncurrent loans to loans | 5.5489% | 62 |
| Net loans and leases to total assets | 50.0316% | 3,411 |
| Net loans and leases to deposits | 56.2473% | 3,560 |
| Net loans and leases to core deposits | 58.9747% | 3,551 |
| Total domestic deposits to total assets | 88.9494% | 1,310 |
| Equity capital to assets | 10.6613% | 2,304 |
| Core capital (leverage) ratio | 10.0042% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8677% | 1,660 |
| Memoranda: | ||
| Average total assets | $128,342,250 | 3,735 |
| Average earning assets | $117,876,000 | 3,750 |
| Average equity | $13,756,250 | 3,808 |
| Average total loans | $74,002,750 | 3,630 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 628 |
| Cost of funding earning assets | 0.4273% | 1,677 |
| Net interest margin | 4.1710% | 612 |
| Noninterest income to average assets | 0.3162% | 3,535 |
| Noninterest expense to average assets | 3.8132% | 332 |
| Loan and lease loss provision to assets | 0.0623% | 1,797 |
| Net operating income to assets | 0.2851% | 4,541 |
| Return on assets (ROA) | 0.3365% | 4,507 |
| Pretax return on assets | 0.3084% | 4,580 |
| Return on Equity (ROE) | 3.1335% | 4,454 |
| Retained earnings to average equity (ytd only) | 3.1335% | 3,801 |
| Net charge-offs to loans | 0.5646% | 142 |
| Credit loss provision to net charge-offs | 18.5185% | 1,740 |
| Earnings coverage of net charge-offs (x) | 0.9491% | 2,180 |
| Efficiency ratio | 87.4105% | 422 |
| Assets per employee ($millions) | 4.0183% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1929% | 127 |
| Loan loss allowance to noncurrent loans | 56.9265% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 3.8146% | 57 |
| Noncurrent loans to loans | 5.6088% | 65 |
| Net loans and leases to total assets | 54.9407% | 3,025 |
| Net loans and leases to deposits | 61.8191% | 3,222 |
| Net loans and leases to core deposits | 65.5048% | 3,156 |
| Total domestic deposits to total assets | 88.8734% | 1,343 |
| Equity capital to assets | 10.7408% | 2,196 |
| Core capital (leverage) ratio | 9.8330% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3963% | 1,834 |
| Memoranda: | ||
| Average total assets | $128,395,333 | 3,743 |
| Average earning assets | $117,479,000 | 3,766 |
| Average equity | $13,786,333 | 3,812 |
| Average total loans | $76,515,667 | 3,612 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 277 |
| Cost of funding earning assets | 0.4523% | 1,704 |
| Net interest margin | 4.7354% | 259 |
| Noninterest income to average assets | 0.2837% | 3,702 |
| Noninterest expense to average assets | 3.9376% | 301 |
| Loan and lease loss provision to assets | 0.1247% | 1,103 |
| Net operating income to assets | 0.3988% | 4,360 |
| Return on assets (ROA) | 0.4801% | 4,248 |
| Pretax return on assets | 0.6329% | 4,141 |
| Return on Equity (ROE) | 4.4657% | 4,196 |
| Retained earnings to average equity (ytd only) | 4.4657% | 3,374 |
| Net charge-offs to loans | 0.0766% | 818 |
| Credit loss provision to net charge-offs | 266.6667% | 792 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,377 |
| Efficiency ratio | 81.0591% | 754 |
| Assets per employee ($millions) | 4.0350% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3437% | 113 |
| Loan loss allowance to noncurrent loans | 50.8131% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 4.4865% | 45 |
| Noncurrent loans to loans | 6.5804% | 51 |
| Net loans and leases to total assets | 56.6628% | 2,960 |
| Net loans and leases to deposits | 63.6970% | 3,154 |
| Net loans and leases to core deposits | 67.1966% | 3,137 |
| Total domestic deposits to total assets | 88.9568% | 1,360 |
| Equity capital to assets | 10.6111% | 2,158 |
| Core capital (leverage) ratio | 10.0662% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8355% | 1,950 |
| Memoranda: | ||
| Average total assets | $128,301,000 | 3,757 |
| Average earning assets | $116,738,000 | 3,776 |
| Average equity | $13,794,000 | 3,811 |
| Average total loans | $78,286,000 | 3,600 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 481 |
| Cost of funding earning assets | 0.7456% | 1,477 |
| Net interest margin | 4.2607% | 549 |
| Noninterest income to average assets | 0.3561% | 3,339 |
| Noninterest expense to average assets | 3.9454% | 399 |
| Loan and lease loss provision to assets | 0.5125% | 465 |
| Net operating income to assets | -0.1056% | 4,789 |
| Return on assets (ROA) | -0.1056% | 4,811 |
| Pretax return on assets | -0.2374% | 4,831 |
| Return on Equity (ROE) | -0.9364% | 4,815 |
| Retained earnings to average equity (ytd only) | -2.1559% | 4,716 |
| Net charge-offs to loans | 0.0431% | 2,197 |
| Credit loss provision to net charge-offs | 1,647.3684% | 514 |
| Earnings coverage of net charge-offs (x) | 8.8421% | 2,565 |
| Efficiency ratio | 88.1474% | 440 |
| Assets per employee ($millions) | 4.1123% | 4,279 |
| Cash dividends to net income (ytd only)* | -130.2326% | 4,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0985% | 134 |
| Loan loss allowance to noncurrent loans | 64.1577% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 3.7292% | 72 |
| Noncurrent loans to loans | 4.8295% | 97 |
| Net loans and leases to total assets | 61.4769% | 2,667 |
| Net loans and leases to deposits | 69.3324% | 2,950 |
| Net loans and leases to core deposits | 73.3738% | 2,967 |
| Total domestic deposits to total assets | 88.6698% | 1,131 |
| Equity capital to assets | 10.8933% | 2,347 |
| Core capital (leverage) ratio | 9.8860% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,140,800 | 3,719 |
| Average earning assets | $110,779,000 | 3,756 |
| Average equity | $13,776,000 | 3,790 |
| Average total loans | $88,174,800 | 3,431 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2270% | 393 |
| Cost of funding earning assets | 0.8031% | 1,485 |
| Net interest margin | 4.4239% | 450 |
| Noninterest income to average assets | 0.3543% | 3,334 |
| Noninterest expense to average assets | 3.9898% | 380 |
| Loan and lease loss provision to assets | 0.6581% | 356 |
| Net operating income to assets | -0.2748% | 4,854 |
| Return on assets (ROA) | -0.2748% | 4,860 |
| Pretax return on assets | -0.2748% | 4,858 |
| Return on Equity (ROE) | -2.4148% | 4,867 |
| Retained earnings to average equity (ytd only) | -4.0440% | 4,818 |
| Net charge-offs to loans | 0.0593% | 1,762 |
| Credit loss provision to net charge-offs | 1,490.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 8.6750% | 2,476 |
| Efficiency ratio | 85.9667% | 502 |
| Assets per employee ($millions) | 4.1380% | 4,205 |
| Cash dividends to net income (ytd only)* | -67.4699% | 5,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7804% | 169 |
| Loan loss allowance to noncurrent loans | 65.7279% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 3.7152% | 93 |
| Noncurrent loans to loans | 4.2302% | 148 |
| Net loans and leases to total assets | 69.6840% | 2,002 |
| Net loans and leases to deposits | 78.7526% | 2,453 |
| Net loans and leases to core deposits | 83.8844% | 2,486 |
| Total domestic deposits to total assets | 88.4847% | 979 |
| Equity capital to assets | 11.1005% | 2,323 |
| Core capital (leverage) ratio | 10.1715% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,805,500 | 3,727 |
| Average earning assets | $109,735,750 | 3,756 |
| Average equity | $13,748,250 | 3,790 |
| Average total loans | $89,999,000 | 3,414 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3655% | 432 |
| Cost of funding earning assets | 0.8636% | 1,525 |
| Net interest margin | 4.5019% | 499 |
| Noninterest income to average assets | 0.3609% | 3,321 |
| Noninterest expense to average assets | 4.1272% | 357 |
| Loan and lease loss provision to assets | 0.9792% | 217 |
| Net operating income to assets | -0.6517% | 4,929 |
| Return on assets (ROA) | -0.6517% | 4,929 |
| Pretax return on assets | -0.6517% | 4,923 |
| Return on Equity (ROE) | -5.6778% | 4,935 |
| Retained earnings to average equity (ytd only) | -8.1237% | 4,884 |
| Net charge-offs to loans | -1.4169% | 5,028 |
| Credit loss provision to net charge-offs | -91.5625% | 3,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6219% | 470 |
| Assets per employee ($millions) | 3.9335% | 4,369 |
| Cash dividends to net income (ytd only)* | -43.0769% | 5,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3216% | 104 |
| Loan loss allowance to noncurrent loans | 59.8060% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 5.2707% | 51 |
| Noncurrent loans to loans | 5.5540% | 88 |
| Net loans and leases to total assets | 75.0455% | 1,274 |
| Net loans and leases to deposits | 84.8515% | 1,907 |
| Net loans and leases to core deposits | 92.2209% | 1,880 |
| Total domestic deposits to total assets | 88.4433% | 969 |
| Equity capital to assets | 11.1754% | 2,190 |
| Core capital (leverage) ratio | 10.1181% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2332% | 2,904 |
| Memoranda: | ||
| Average total assets | $119,694,333 | 3,725 |
| Average earning assets | $108,844,000 | 3,759 |
| Average equity | $13,737,667 | 3,798 |
| Average total loans | $90,339,000 | 3,406 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 873 |
| Cost of funding earning assets | 0.9124% | 1,806 |
| Net interest margin | 4.1428% | 1,044 |
| Noninterest income to average assets | 0.4014% | 3,086 |
| Noninterest expense to average assets | 4.1257% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0439% | 4,718 |
| Return on assets (ROA) | 0.0439% | 4,711 |
| Pretax return on assets | 0.0439% | 4,706 |
| Return on Equity (ROE) | 0.3770% | 4,707 |
| Retained earnings to average equity (ytd only) | -4.4950% | 4,480 |
| Net charge-offs to loans | -2.8849% | 5,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7184% | 404 |
| Assets per employee ($millions) | 3.8168% | 4,149 |
| Cash dividends to net income (ytd only)* | 1,292.3077% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8920% | 169 |
| Loan loss allowance to noncurrent loans | 37.8258% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 6.6953% | 36 |
| Noncurrent loans to loans | 7.6454% | 50 |
| Net loans and leases to total assets | 72.4802% | 1,853 |
| Net loans and leases to deposits | 82.1802% | 2,431 |
| Net loans and leases to core deposits | 89.3361% | 2,411 |
| Total domestic deposits to total assets | 88.1966% | 1,021 |
| Equity capital to assets | 11.4586% | 2,477 |
| Core capital (leverage) ratio | 10.6387% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9280% | 2,743 |
| Memoranda: | ||
| Average total assets | $118,572,500 | 3,725 |
| Average earning assets | $107,850,000 | 3,755 |
| Average equity | $13,793,000 | 3,797 |
| Average total loans | $88,182,000 | 3,438 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3034% | 814 |
| Cost of funding earning assets | 0.9432% | 1,991 |
| Net interest margin | 4.3602% | 964 |
| Noninterest income to average assets | 0.4039% | 3,270 |
| Noninterest expense to average assets | 3.5911% | 860 |
| Loan and lease loss provision to assets | 1.3169% | 67 |
| Net operating income to assets | -0.7481% | 5,074 |
| Return on assets (ROA) | -0.7497% | 5,081 |
| Pretax return on assets | -0.5542% | 5,056 |
| Return on Equity (ROE) | -6.1086% | 5,088 |
| Retained earnings to average equity (ytd only) | -9.8278% | 5,061 |
| Net charge-offs to loans | 1.2630% | 120 |
| Credit loss provision to net charge-offs | 145.4059% | 1,764 |
| Earnings coverage of net charge-offs (x) | 0.8439% | 3,589 |
| Efficiency ratio | 76.7576% | 1,290 |
| Assets per employee ($millions) | 3.6007% | 4,369 |
| Cash dividends to net income (ytd only)* | -60.8836% | 5,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1783% | 340 |
| Loan loss allowance to noncurrent loans | 34.5960% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 4.6658% | 72 |
| Noncurrent loans to loans | 6.2964% | 61 |
| Net loans and leases to total assets | 72.4876% | 2,013 |
| Net loans and leases to deposits | 82.5272% | 2,494 |
| Net loans and leases to core deposits | 90.1726% | 2,407 |
| Total domestic deposits to total assets | 87.8348% | 1,208 |
| Equity capital to assets | 11.8058% | 2,277 |
| Core capital (leverage) ratio | 10.5380% | 2,915 |
| Tier 1 risk-based capital ratio | 11.7429% | 4,503 |
| Total risk-based capital ratio | 12.9991% | 4,375 |
| Memoranda: | ||
| Average total assets | $123,779,600 | 3,646 |
| Average earning assets | $112,174,200 | 3,676 |
| Average equity | $15,191,600 | 3,623 |
| Average total loans | $88,754,800 | 3,430 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6123% | 483 |
| Cost of funding earning assets | 0.9391% | 2,046 |
| Net interest margin | 4.6732% | 521 |
| Noninterest income to average assets | 0.4010% | 3,313 |
| Noninterest expense to average assets | 3.4586% | 1,000 |
| Loan and lease loss provision to assets | 0.2879% | 513 |
| Net operating income to assets | 0.6260% | 4,227 |
| Return on assets (ROA) | 0.6260% | 4,277 |
| Pretax return on assets | 0.8841% | 3,928 |
| Return on Equity (ROE) | 5.0551% | 4,311 |
| Retained earnings to average equity (ytd only) | 0.1894% | 4,731 |
| Net charge-offs to loans | 0.0315% | 2,441 |
| Credit loss provision to net charge-offs | 1,285.7143% | 282 |
| Earnings coverage of net charge-offs (x) | 52.3321% | 1,150 |
| Efficiency ratio | 69.5302% | 2,186 |
| Assets per employee ($millions) | 3.9360% | 3,978 |
| Cash dividends to net income (ytd only)* | 96.2512% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 570 |
| Loan loss allowance to noncurrent loans | 16.0593% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 8.4563% | 23 |
| Noncurrent loans to loans | 11.7169% | 18 |
| Net loans and leases to total assets | 70.8137% | 2,354 |
| Net loans and leases to deposits | 81.4909% | 2,747 |
| Net loans and leases to core deposits | 90.1234% | 2,540 |
| Total domestic deposits to total assets | 86.8976% | 1,573 |
| Equity capital to assets | 12.7295% | 1,767 |
| Core capital (leverage) ratio | 11.6777% | 2,099 |
| Tier 1 risk-based capital ratio | 12.8162% | 3,947 |
| Total risk-based capital ratio | 14.0694% | 3,843 |
| Memoranda: | ||
| Average total assets | $125,018,750 | 3,665 |
| Average earning assets | $113,153,500 | 3,695 |
| Average equity | $15,482,500 | 3,632 |
| Average total loans | $88,931,000 | 3,462 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9267% | 271 |
| Cost of funding earning assets | 0.9336% | 1,984 |
| Net interest margin | 4.9931% | 293 |
| Noninterest income to average assets | 0.3952% | 3,296 |
| Noninterest expense to average assets | 3.2757% | 1,330 |
| Loan and lease loss provision to assets | 0.2857% | 503 |
| Net operating income to assets | 1.0189% | 2,846 |
| Return on assets (ROA) | 1.0189% | 2,930 |
| Pretax return on assets | 1.3411% | 2,410 |
| Return on Equity (ROE) | 8.3021% | 3,162 |
| Retained earnings to average equity (ytd only) | 3.2588% | 3,593 |
| Net charge-offs to loans | 0.0202% | 2,457 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 113.8889% | 630 |
| Efficiency ratio | 62.0265% | 3,428 |
| Assets per employee ($millions) | 4.1445% | 3,659 |
| Cash dividends to net income (ytd only)* | 60.7477% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8213% | 654 |
| Loan loss allowance to noncurrent loans | 39.2157% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 3.2404% | 166 |
| Noncurrent loans to loans | 4.6444% | 123 |
| Net loans and leases to total assets | 68.4999% | 2,751 |
| Net loans and leases to deposits | 78.7641% | 3,085 |
| Net loans and leases to core deposits | 87.1411% | 2,876 |
| Total domestic deposits to total assets | 86.9684% | 1,607 |
| Equity capital to assets | 12.6850% | 1,752 |
| Core capital (leverage) ratio | 11.6268% | 2,075 |
| Tier 1 risk-based capital ratio | 13.5386% | 3,562 |
| Total risk-based capital ratio | 14.7913% | 3,456 |
| Memoranda: | ||
| Average total assets | $126,019,670 | 3,676 |
| Average earning assets | $113,757,330 | 3,709 |
| Average equity | $15,466,000 | 3,636 |
| Average total loans | $89,221,000 | 3,475 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5550% | 477 |
| Cost of funding earning assets | 0.9532% | 1,783 |
| Net interest margin | 4.6019% | 607 |
| Noninterest income to average assets | 0.4036% | 3,158 |
| Noninterest expense to average assets | 3.0238% | 1,922 |
| Loan and lease loss provision to assets | 0.2838% | 477 |
| Net operating income to assets | 1.0279% | 2,755 |
| Return on assets (ROA) | 1.0279% | 2,790 |
| Pretax return on assets | 1.2518% | 2,621 |
| Return on Equity (ROE) | 8.5156% | 3,033 |
| Retained earnings to average equity (ytd only) | 2.8995% | 3,778 |
| Net charge-offs to loans | 0.0221% | 2,008 |
| Credit loss provision to net charge-offs | 1,800.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 97.4000% | 678 |
| Efficiency ratio | 61.2033% | 3,649 |
| Assets per employee ($millions) | 4.7647% | 2,830 |
| Cash dividends to net income (ytd only)* | 65.9509% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 827 |
| Loan loss allowance to noncurrent loans | 39.3780% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 3.1837% | 185 |
| Noncurrent loans to loans | 4.3614% | 157 |
| Net loans and leases to total assets | 69.0146% | 2,618 |
| Net loans and leases to deposits | 79.2312% | 2,926 |
| Net loans and leases to core deposits | 91.6601% | 2,331 |
| Total domestic deposits to total assets | 87.1054% | 1,753 |
| Equity capital to assets | 12.4926% | 1,739 |
| Core capital (leverage) ratio | 11.4622% | 2,156 |
| Tier 1 risk-based capital ratio | 13.1268% | 3,812 |
| Total risk-based capital ratio | 14.3777% | 3,723 |
| Memoranda: | ||
| Average total assets | $126,861,500 | 3,697 |
| Average earning assets | $114,562,500 | 3,738 |
| Average equity | $15,313,000 | 3,668 |
| Average total loans | $90,456,500 | 3,482 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3661% | 509 |
| Cost of funding earning assets | 0.7738% | 1,668 |
| Net interest margin | 4.5923% | 614 |
| Noninterest income to average assets | 0.4409% | 3,163 |
| Noninterest expense to average assets | 3.3272% | 1,263 |
| Loan and lease loss provision to assets | 0.2480% | 696 |
| Net operating income to assets | 0.7883% | 3,849 |
| Return on assets (ROA) | 0.7136% | 4,109 |
| Pretax return on assets | 0.9329% | 3,806 |
| Return on Equity (ROE) | 6.3094% | 4,064 |
| Retained earnings to average equity (ytd only) | 1.1989% | 4,650 |
| Net charge-offs to loans | 0.0270% | 2,871 |
| Credit loss provision to net charge-offs | 1,280.0000% | 317 |
| Earnings coverage of net charge-offs (x) | 65.8400% | 967 |
| Efficiency ratio | 67.3064% | 2,656 |
| Assets per employee ($millions) | 5.8836% | 1,605 |
| Cash dividends to net income (ytd only)* | 80.9989% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,290 |
| Loan loss allowance to noncurrent loans | 43.7442% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.5966% | 280 |
| Noncurrent loans to loans | 3.4294% | 266 |
| Net loans and leases to total assets | 71.4730% | 2,353 |
| Net loans and leases to deposits | 84.9649% | 2,411 |
| Net loans and leases to core deposits | 96.8885% | 1,973 |
| Total domestic deposits to total assets | 84.1207% | 2,965 |
| Equity capital to assets | 11.3868% | 2,341 |
| Core capital (leverage) ratio | 10.5380% | 2,976 |
| Tier 1 risk-based capital ratio | 11.9789% | 4,436 |
| Total risk-based capital ratio | 13.2252% | 4,333 |
| Memoranda: | ||
| Average total assets | $129,056,200 | 3,659 |
| Average earning assets | $116,955,800 | 3,703 |
| Average equity | $14,597,200 | 3,685 |
| Average total loans | $92,507,600 | 3,432 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2524% | 563 |
| Cost of funding earning assets | 0.7303% | 1,683 |
| Net interest margin | 4.5221% | 710 |
| Noninterest income to average assets | 0.4497% | 3,174 |
| Noninterest expense to average assets | 3.2267% | 1,463 |
| Loan and lease loss provision to assets | 0.1861% | 970 |
| Net operating income to assets | 0.8515% | 3,735 |
| Return on assets (ROA) | 0.8498% | 3,748 |
| Pretax return on assets | 1.1321% | 3,272 |
| Return on Equity (ROE) | 7.5264% | 3,736 |
| Retained earnings to average equity (ytd only) | 2.3073% | 4,468 |
| Net charge-offs to loans | -0.0260% | 4,701 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9163% | 2,885 |
| Assets per employee ($millions) | 4.6129% | 2,964 |
| Cash dividends to net income (ytd only)* | 69.3431% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 1,702 |
| Loan loss allowance to noncurrent loans | 58.0788% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.7490% | 686 |
| Noncurrent loans to loans | 2.4100% | 553 |
| Net loans and leases to total assets | 71.5578% | 2,400 |
| Net loans and leases to deposits | 84.9438% | 2,482 |
| Net loans and leases to core deposits | 96.8724% | 2,036 |
| Total domestic deposits to total assets | 84.2413% | 2,866 |
| Equity capital to assets | 11.2140% | 2,462 |
| Core capital (leverage) ratio | 10.7284% | 2,857 |
| Tier 1 risk-based capital ratio | 12.0453% | 4,480 |
| Total risk-based capital ratio | 13.2119% | 4,407 |
| Memoranda: | ||
| Average total assets | $128,960,500 | 3,693 |
| Average earning assets | $116,846,000 | 3,738 |
| Average equity | $14,561,750 | 3,715 |
| Average total loans | $92,153,750 | 3,461 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1706% | 586 |
| Cost of funding earning assets | 0.7116% | 1,561 |
| Net interest margin | 4.4589% | 751 |
| Noninterest income to average assets | 0.3988% | 3,496 |
| Noninterest expense to average assets | 3.2244% | 1,480 |
| Loan and lease loss provision to assets | 0.1862% | 959 |
| Net operating income to assets | 0.7488% | 4,034 |
| Return on assets (ROA) | 0.7463% | 4,048 |
| Pretax return on assets | 1.0101% | 3,631 |
| Return on Equity (ROE) | 6.5946% | 4,027 |
| Retained earnings to average equity (ytd only) | 1.7960% | 4,524 |
| Net charge-offs to loans | -0.0960% | 5,147 |
| Credit loss provision to net charge-offs | -272.7273% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6955% | 2,697 |
| Assets per employee ($millions) | 4.3454% | 3,361 |
| Cash dividends to net income (ytd only)* | 72.7651% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 1,697 |
| Loan loss allowance to noncurrent loans | 36.5665% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.7734% | 286 |
| Noncurrent loans to loans | 3.8722% | 236 |
| Net loans and leases to total assets | 70.6098% | 2,487 |
| Net loans and leases to deposits | 80.0880% | 2,934 |
| Net loans and leases to core deposits | 91.0618% | 2,479 |
| Total domestic deposits to total assets | 88.1652% | 1,295 |
| Equity capital to assets | 11.5182% | 2,187 |
| Core capital (leverage) ratio | 10.6131% | 2,908 |
| Tier 1 risk-based capital ratio | 12.1574% | 4,399 |
| Total risk-based capital ratio | 13.3211% | 4,328 |
| Memoranda: | ||
| Average total assets | $128,894,000 | 3,720 |
| Average earning assets | $116,350,670 | 3,773 |
| Average equity | $14,587,670 | 3,733 |
| Average total loans | $91,626,330 | 3,485 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 585 |
| Cost of funding earning assets | 0.7092% | 1,392 |
| Net interest margin | 4.3915% | 782 |
| Noninterest income to average assets | 0.3744% | 3,634 |
| Noninterest expense to average assets | 3.2041% | 1,554 |
| Loan and lease loss provision to assets | 0.1841% | 926 |
| Net operating income to assets | 0.9051% | 3,265 |
| Return on assets (ROA) | 0.8992% | 3,300 |
| Pretax return on assets | 0.9330% | 3,746 |
| Return on Equity (ROE) | 8.0142% | 3,360 |
| Retained earnings to average equity (ytd only) | 3.2276% | 3,917 |
| Net charge-offs to loans | -0.1993% | 5,381 |
| Credit loss provision to net charge-offs | -130.4348% | 3,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5106% | 2,747 |
| Assets per employee ($millions) | 4.3884% | 3,339 |
| Cash dividends to net income (ytd only)* | 59.7270% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 1,963 |
| Loan loss allowance to noncurrent loans | 27.1111% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 3.6405% | 195 |
| Noncurrent loans to loans | 5.0422% | 148 |
| Net loans and leases to total assets | 69.1694% | 2,606 |
| Net loans and leases to deposits | 78.3772% | 2,976 |
| Net loans and leases to core deposits | 88.9791% | 2,544 |
| Total domestic deposits to total assets | 88.2519% | 1,478 |
| Equity capital to assets | 11.4369% | 2,184 |
| Core capital (leverage) ratio | 10.4827% | 2,961 |
| Tier 1 risk-based capital ratio | 12.1441% | 4,462 |
| Total risk-based capital ratio | 13.2607% | 4,434 |
| Memoranda: | ||
| Average total assets | $130,332,000 | 3,746 |
| Average earning assets | $117,318,500 | 3,797 |
| Average equity | $14,624,000 | 3,754 |
| Average total loans | $92,310,000 | 3,498 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 511 |
| Cost of funding earning assets | 0.6495% | 1,295 |
| Net interest margin | 4.4722% | 659 |
| Noninterest income to average assets | 0.3929% | 3,685 |
| Noninterest expense to average assets | 3.4346% | 1,148 |
| Loan and lease loss provision to assets | 0.2006% | 1,030 |
| Net operating income to assets | 0.7649% | 3,320 |
| Return on assets (ROA) | 0.7865% | 3,260 |
| Pretax return on assets | 0.8203% | 4,196 |
| Return on Equity (ROE) | 7.0909% | 3,221 |
| Retained earnings to average equity (ytd only) | -0.1355% | 5,054 |
| Net charge-offs to loans | 0.3842% | 655 |
| Credit loss provision to net charge-offs | 72.5543% | 3,054 |
| Earnings coverage of net charge-offs (x) | 3.6114% | 3,580 |
| Efficiency ratio | 72.2081% | 2,188 |
| Assets per employee ($millions) | 4.4472% | 3,276 |
| Cash dividends to net income (ytd only)* | 101.9102% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,548 |
| Loan loss allowance to noncurrent loans | 31.6452% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.8977% | 287 |
| Noncurrent loans to loans | 3.9135% | 247 |
| Net loans and leases to total assets | 70.5922% | 2,435 |
| Net loans and leases to deposits | 82.8105% | 2,631 |
| Net loans and leases to core deposits | 94.7791% | 2,128 |
| Total domestic deposits to total assets | 85.2455% | 2,740 |
| Equity capital to assets | 11.0173% | 2,607 |
| Core capital (leverage) ratio | 10.1859% | 3,214 |
| Tier 1 risk-based capital ratio | 11.6883% | 4,731 |
| Total risk-based capital ratio | 12.7416% | 4,749 |
| Memoranda: | ||
| Average total assets | $133,116,400 | 3,697 |
| Average earning assets | $120,254,200 | 3,742 |
| Average equity | $14,765,400 | 3,745 |
| Average total loans | $95,781,200 | 3,420 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1628% | 445 |
| Cost of funding earning assets | 0.6296% | 1,357 |
| Net interest margin | 4.5332% | 562 |
| Noninterest income to average assets | 0.3888% | 3,761 |
| Noninterest expense to average assets | 3.3332% | 1,273 |
| Loan and lease loss provision to assets | 0.1704% | 1,185 |
| Net operating income to assets | 0.9620% | 2,717 |
| Return on assets (ROA) | 0.9911% | 2,647 |
| Pretax return on assets | 1.0212% | 3,600 |
| Return on Equity (ROE) | 8.9205% | 2,651 |
| Retained earnings to average equity (ytd only) | 2.1828% | 4,551 |
| Net charge-offs to loans | 0.2155% | 1,004 |
| Credit loss provision to net charge-offs | 109.6774% | 2,144 |
| Earnings coverage of net charge-offs (x) | 7.4775% | 2,869 |
| Efficiency ratio | 68.9632% | 2,718 |
| Assets per employee ($millions) | 4.4072% | 3,303 |
| Cash dividends to net income (ytd only)* | 75.5314% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,180 |
| Loan loss allowance to noncurrent loans | 36.8361% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 2.6631% | 377 |
| Noncurrent loans to loans | 3.6259% | 295 |
| Net loans and leases to total assets | 72.4640% | 2,186 |
| Net loans and leases to deposits | 87.0279% | 2,183 |
| Net loans and leases to core deposits | 100.0773% | 1,700 |
| Total domestic deposits to total assets | 83.2653% | 3,373 |
| Equity capital to assets | 11.3776% | 2,488 |
| Core capital (leverage) ratio | 10.3005% | 3,200 |
| Tier 1 risk-based capital ratio | 11.5041% | 4,962 |
| Total risk-based capital ratio | 12.6264% | 4,918 |
| Memoranda: | ||
| Average total assets | $133,041,250 | 3,734 |
| Average earning assets | $120,500,000 | 3,778 |
| Average equity | $14,782,000 | 3,782 |
| Average total loans | $95,885,750 | 3,442 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 462 |
| Cost of funding earning assets | 0.6210% | 1,327 |
| Net interest margin | 4.4867% | 583 |
| Noninterest income to average assets | 0.3675% | 3,926 |
| Noninterest expense to average assets | 3.3274% | 1,322 |
| Loan and lease loss provision to assets | 0.1350% | 1,537 |
| Net operating income to assets | 0.9307% | 2,757 |
| Return on assets (ROA) | 0.9496% | 2,718 |
| Pretax return on assets | 0.9781% | 3,640 |
| Return on Equity (ROE) | 8.6152% | 2,711 |
| Retained earnings to average equity (ytd only) | 1.6468% | 4,598 |
| Net charge-offs to loans | 0.3268% | 617 |
| Credit loss provision to net charge-offs | 57.6923% | 2,484 |
| Earnings coverage of net charge-offs (x) | 4.6731% | 2,901 |
| Efficiency ratio | 69.9695% | 2,683 |
| Assets per employee ($millions) | 4.3145% | 3,408 |
| Cash dividends to net income (ytd only)* | 80.8847% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,457 |
| Loan loss allowance to noncurrent loans | 30.0767% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 3.1236% | 282 |
| Noncurrent loans to loans | 4.2927% | 203 |
| Net loans and leases to total assets | 71.8266% | 2,229 |
| Net loans and leases to deposits | 83.8086% | 2,510 |
| Net loans and leases to core deposits | 96.3090% | 1,956 |
| Total domestic deposits to total assets | 85.7031% | 2,522 |
| Equity capital to assets | 11.5549% | 2,273 |
| Core capital (leverage) ratio | 10.1567% | 3,328 |
| Tier 1 risk-based capital ratio | 11.8798% | 4,712 |
| Total risk-based capital ratio | 12.9824% | 4,701 |
| Memoranda: | ||
| Average total assets | $133,316,330 | 3,761 |
| Average earning assets | $120,444,330 | 3,802 |
| Average equity | $14,695,000 | 3,798 |
| Average total loans | $95,479,000 | 3,462 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 485 |
| Cost of funding earning assets | 0.6009% | 1,367 |
| Net interest margin | 4.4425% | 586 |
| Noninterest income to average assets | 0.3608% | 3,955 |
| Noninterest expense to average assets | 3.2531% | 1,469 |
| Loan and lease loss provision to assets | 0.1479% | 1,264 |
| Net operating income to assets | 0.9356% | 2,580 |
| Return on assets (ROA) | 0.9700% | 2,486 |
| Pretax return on assets | 0.9966% | 3,384 |
| Return on Equity (ROE) | 9.0082% | 2,420 |
| Retained earnings to average equity (ytd only) | 1.4007% | 4,540 |
| Net charge-offs to loans | -0.0166% | 4,639 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2881% | 2,998 |
| Assets per employee ($millions) | 4.4643% | 3,227 |
| Cash dividends to net income (ytd only)* | 84.4512% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 2,051 |
| Loan loss allowance to noncurrent loans | 39.5735% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.5207% | 453 |
| Noncurrent loans to loans | 3.5483% | 335 |
| Net loans and leases to total assets | 70.0431% | 2,372 |
| Net loans and leases to deposits | 82.1278% | 2,495 |
| Net loans and leases to core deposits | 93.9677% | 1,989 |
| Total domestic deposits to total assets | 85.2855% | 2,969 |
| Equity capital to assets | 10.9468% | 2,689 |
| Core capital (leverage) ratio | 9.7149% | 3,854 |
| Tier 1 risk-based capital ratio | 11.2231% | 5,191 |
| Total risk-based capital ratio | 12.3805% | 5,136 |
| Memoranda: | ||
| Average total assets | $135,257,500 | 3,768 |
| Average earning assets | $121,822,000 | 3,814 |
| Average equity | $14,564,500 | 3,843 |
| Average total loans | $96,126,500 | 3,480 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 469 |
| Cost of funding earning assets | 0.5733% | 1,524 |
| Net interest margin | 4.5577% | 543 |
| Noninterest income to average assets | 0.3258% | 4,409 |
| Noninterest expense to average assets | 3.4837% | 1,198 |
| Loan and lease loss provision to assets | 0.1142% | 2,160 |
| Net operating income to assets | 0.8242% | 3,189 |
| Return on assets (ROA) | 0.8220% | 3,295 |
| Pretax return on assets | 0.8464% | 4,027 |
| Return on Equity (ROE) | 7.2798% | 3,325 |
| Retained earnings to average equity (ytd only) | -0.3505% | 5,357 |
| Net charge-offs to loans | -0.0247% | 5,183 |
| Credit loss provision to net charge-offs | -652.1739% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5265% | 2,502 |
| Assets per employee ($millions) | 4.4060% | 3,270 |
| Cash dividends to net income (ytd only)* | 104.8148% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,428 |
| Loan loss allowance to noncurrent loans | 42.0052% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 2.2345% | 576 |
| Noncurrent loans to loans | 3.1429% | 418 |
| Net loans and leases to total assets | 70.1587% | 2,437 |
| Net loans and leases to deposits | 84.8424% | 2,327 |
| Net loans and leases to core deposits | 96.4957% | 1,880 |
| Total domestic deposits to total assets | 82.6930% | 3,863 |
| Equity capital to assets | 10.5926% | 3,052 |
| Core capital (leverage) ratio | 9.7756% | 3,775 |
| Tier 1 risk-based capital ratio | 11.1436% | 5,259 |
| Total risk-based capital ratio | 12.2519% | 5,238 |
| Memoranda: | ||
| Average total assets | $131,385,000 | 3,808 |
| Average earning assets | $118,788,800 | 3,852 |
| Average equity | $14,835,600 | 3,830 |
| Average total loans | $93,027,600 | 3,518 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1068% | 492 |
| Cost of funding earning assets | 0.5689% | 1,551 |
| Net interest margin | 4.5378% | 573 |
| Noninterest income to average assets | 0.3372% | 4,370 |
| Noninterest expense to average assets | 3.4530% | 1,241 |
| Loan and lease loss provision to assets | 0.1189% | 1,948 |
| Net operating income to assets | 0.8510% | 3,146 |
| Return on assets (ROA) | 0.8261% | 3,380 |
| Pretax return on assets | 0.8517% | 4,148 |
| Return on Equity (ROE) | 7.1991% | 3,447 |
| Retained earnings to average equity (ytd only) | -0.9915% | 5,491 |
| Net charge-offs to loans | -0.0275% | 5,129 |
| Credit loss provision to net charge-offs | -610.5263% | 5,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4948% | 2,498 |
| Assets per employee ($millions) | 4.1030% | 3,783 |
| Cash dividends to net income (ytd only)* | 113.7721% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,516 |
| Loan loss allowance to noncurrent loans | 62.2000% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.5233% | 1,169 |
| Noncurrent loans to loans | 2.1441% | 883 |
| Net loans and leases to total assets | 70.0971% | 2,474 |
| Net loans and leases to deposits | 82.8314% | 2,631 |
| Net loans and leases to core deposits | 94.2720% | 2,170 |
| Total domestic deposits to total assets | 84.6262% | 2,974 |
| Equity capital to assets | 11.4399% | 2,561 |
| Core capital (leverage) ratio | 9.9479% | 3,630 |
| Tier 1 risk-based capital ratio | 11.5313% | 5,071 |
| Total risk-based capital ratio | 12.6574% | 5,047 |
| Memoranda: | ||
| Average total assets | $130,084,750 | 3,850 |
| Average earning assets | $117,879,750 | 3,889 |
| Average equity | $14,927,500 | 3,847 |
| Average total loans | $92,007,250 | 3,550 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 505 |
| Cost of funding earning assets | 0.5649% | 1,576 |
| Net interest margin | 4.5244% | 587 |
| Noninterest income to average assets | 0.3563% | 4,222 |
| Noninterest expense to average assets | 3.4886% | 1,181 |
| Loan and lease loss provision to assets | 0.1542% | 1,483 |
| Net operating income to assets | 0.7813% | 3,397 |
| Return on assets (ROA) | 0.7603% | 3,644 |
| Pretax return on assets | 0.7804% | 4,348 |
| Return on Equity (ROE) | 6.6189% | 3,738 |
| Retained earnings to average equity (ytd only) | -3.0074% | 5,632 |
| Net charge-offs to loans | 0.0524% | 2,452 |
| Credit loss provision to net charge-offs | 416.6667% | 753 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 1,502 |
| Efficiency ratio | 73.8723% | 2,377 |
| Assets per employee ($millions) | 4.1884% | 3,589 |
| Cash dividends to net income (ytd only)* | 145.4361% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,888 |
| Loan loss allowance to noncurrent loans | 136.9942% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 3,005 |
| Noncurrent loans to loans | 0.9366% | 2,403 |
| Net loans and leases to total assets | 70.2197% | 2,446 |
| Net loans and leases to deposits | 80.1311% | 2,917 |
| Net loans and leases to core deposits | 90.8986% | 2,446 |
| Total domestic deposits to total assets | 87.6310% | 1,612 |
| Equity capital to assets | 11.5256% | 2,519 |
| Core capital (leverage) ratio | 9.7138% | 3,911 |
| Tier 1 risk-based capital ratio | 11.5581% | 5,116 |
| Total risk-based capital ratio | 12.6497% | 5,110 |
| Memoranda: | ||
| Average total assets | $129,681,330 | 3,896 |
| Average earning assets | $117,188,000 | 3,929 |
| Average equity | $14,896,670 | 3,875 |
| Average total loans | $91,583,670 | 3,573 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 466 |
| Cost of funding earning assets | 0.7062% | 789 |
| Net interest margin | 4.4289% | 695 |
| Noninterest income to average assets | 0.4008% | 3,823 |
| Noninterest expense to average assets | 3.4377% | 1,300 |
| Loan and lease loss provision to assets | 0.1542% | 1,367 |
| Net operating income to assets | 0.7554% | 3,459 |
| Return on assets (ROA) | 0.7554% | 3,565 |
| Pretax return on assets | 0.7924% | 4,217 |
| Return on Equity (ROE) | 9.2957% | 2,286 |
| Retained earnings to average equity (ytd only) | -5.8810% | 5,648 |
| Net charge-offs to loans | 0.1623% | 1,160 |
| Credit loss provision to net charge-offs | 135.1351% | 1,339 |
| Earnings coverage of net charge-offs (x) | 8.2973% | 2,066 |
| Efficiency ratio | 72.9255% | 2,656 |
| Assets per employee ($millions) | 4.3042% | 3,402 |
| Cash dividends to net income (ytd only)* | 163.2653% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 3,353 |
| Loan loss allowance to noncurrent loans | 10,190.9091% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,641 |
| Noncurrent loans to loans | 0.0120% | 5,473 |
| Net loans and leases to total assets | 70.1759% | 2,313 |
| Net loans and leases to deposits | 79.7311% | 2,833 |
| Net loans and leases to core deposits | 90.2289% | 2,350 |
| Total domestic deposits to total assets | 88.0157% | 1,630 |
| Equity capital to assets | 8.1780% | 5,754 |
| Core capital (leverage) ratio | 6.4574% | 6,034 |
| Tier 1 risk-based capital ratio | 7.4943% | 6,085 |
| Total risk-based capital ratio | 8.5375% | 6,089 |
| Memoranda: | ||
| Average total assets | $129,739,000 | 3,917 |
| Average earning assets | $116,688,500 | 3,963 |
| Average equity | $10,542,500 | 4,575 |
| Average total loans | $91,196,000 | 3,595 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 1,707 |
| Cost of funding earning assets | 0.4865% | 2,297 |
| Net interest margin | 3.9774% | 1,794 |
| Noninterest income to average assets | 0.2660% | 4,966 |
| Noninterest expense to average assets | 3.0637% | 2,339 |
| Loan and lease loss provision to assets | 0.0667% | 2,954 |
| Net operating income to assets | 0.7382% | 3,629 |
| Return on assets (ROA) | 0.7751% | 3,518 |
| Pretax return on assets | 0.8104% | 4,154 |
| Return on Equity (ROE) | 7.8720% | 3,023 |
| Retained earnings to average equity (ytd only) | -5.1311% | 5,921 |
| Net charge-offs to loans | -0.1117% | 5,808 |
| Credit loss provision to net charge-offs | -84.1584% | 5,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5581% | 2,183 |
| Assets per employee ($millions) | 4.5661% | 2,932 |
| Cash dividends to net income (ytd only)* | 165.1822% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 2,391 |
| Loan loss allowance to noncurrent loans | 1,214.2857% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 5,303 |
| Noncurrent loans to loans | 0.1158% | 5,033 |
| Net loans and leases to total assets | 69.9090% | 2,374 |
| Net loans and leases to deposits | 78.4159% | 3,004 |
| Net loans and leases to core deposits | 88.0964% | 2,592 |
| Total domestic deposits to total assets | 89.1515% | 1,045 |
| Equity capital to assets | 9.6487% | 4,375 |
| Core capital (leverage) ratio | 9.3845% | 4,346 |
| Tier 1 risk-based capital ratio | 11.0271% | 5,512 |
| Total risk-based capital ratio | 12.2275% | 5,435 |
| Memoranda: | ||
| Average total assets | $127,461,800 | 3,942 |
| Average earning assets | $116,534,800 | 3,959 |
| Average equity | $12,550,800 | 4,211 |
| Average total loans | $90,431,600 | 3,581 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1030% | 514 |
| Cost of funding earning assets | 0.5251% | 1,998 |
| Net interest margin | 4.5779% | 567 |
| Noninterest income to average assets | 0.3486% | 4,445 |
| Noninterest expense to average assets | 3.4629% | 1,357 |
| Loan and lease loss provision to assets | 0.0366% | 3,482 |
| Net operating income to assets | 1.0159% | 2,389 |
| Return on assets (ROA) | 1.0657% | 2,239 |
| Pretax return on assets | 1.0981% | 3,234 |
| Return on Equity (ROE) | 10.7684% | 1,797 |
| Retained earnings to average equity (ytd only) | -3.2157% | 5,948 |
| Net charge-offs to loans | -0.1239% | 5,862 |
| Credit loss provision to net charge-offs | -41.6667% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4877% | 2,472 |
| Assets per employee ($millions) | 4.5443% | 2,930 |
| Cash dividends to net income (ytd only)* | 129.8622% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 3,137 |
| Loan loss allowance to noncurrent loans | 1,032.4786% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 5,382 |
| Noncurrent loans to loans | 0.1252% | 5,127 |
| Net loans and leases to total assets | 72.5002% | 1,980 |
| Net loans and leases to deposits | 83.2296% | 2,499 |
| Net loans and leases to core deposits | 93.5409% | 2,123 |
| Total domestic deposits to total assets | 87.1087% | 1,976 |
| Equity capital to assets | 9.8404% | 4,351 |
| Core capital (leverage) ratio | 10.5598% | 2,976 |
| Tier 1 risk-based capital ratio | 10.9105% | 5,699 |
| Total risk-based capital ratio | 12.0239% | 5,700 |
| Memoranda: | ||
| Average total assets | $127,364,250 | 3,987 |
| Average earning assets | $116,791,250 | 3,988 |
| Average equity | $12,604,500 | 4,250 |
| Average total loans | $90,375,750 | 3,616 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 1,127 |
| Cost of funding earning assets | 0.5406% | 1,899 |
| Net interest margin | 4.1320% | 1,270 |
| Noninterest income to average assets | 0.2166% | 5,401 |
| Noninterest expense to average assets | 3.0686% | 2,339 |
| Loan and lease loss provision to assets | 0.0689% | 2,736 |
| Net operating income to assets | 0.8871% | 2,954 |
| Return on assets (ROA) | 0.9769% | 2,613 |
| Pretax return on assets | 1.0104% | 3,543 |
| Return on Equity (ROE) | 10.1570% | 1,996 |
| Retained earnings to average equity (ytd only) | 2.5392% | 4,438 |
| Net charge-offs to loans | -0.0059% | 4,784 |
| Credit loss provision to net charge-offs | -1,750.0000% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2880% | 2,785 |
| Assets per employee ($millions) | 5.0998% | 2,143 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 2,912 |
| Loan loss allowance to noncurrent loans | 227.6190% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 4,266 |
| Noncurrent loans to loans | 0.5996% | 3,669 |
| Net loans and leases to total assets | 67.7347% | 2,683 |
| Net loans and leases to deposits | 77.4264% | 3,103 |
| Net loans and leases to core deposits | 85.6838% | 2,796 |
| Total domestic deposits to total assets | 87.4827% | 1,917 |
| Equity capital to assets | 9.4612% | 4,698 |
| Core capital (leverage) ratio | 8.9354% | 5,046 |
| Tier 1 risk-based capital ratio | 11.3254% | 5,563 |
| Total risk-based capital ratio | 12.5164% | 5,515 |
| Memoranda: | ||
| Average total assets | $101,546,330 | 4,520 |
| Average earning assets | $94,337,000 | 4,516 |
| Average equity | $9,766,670 | 4,791 |
| Average total loans | $67,495,670 | 4,230 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 1,284 |
| Cost of funding earning assets | 0.5371% | 1,954 |
| Net interest margin | 4.0364% | 1,448 |
| Noninterest income to average assets | 0.2171% | 5,401 |
| Noninterest expense to average assets | 2.9372% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9946% | 2,293 |
| Return on assets (ROA) | 1.1764% | 1,719 |
| Pretax return on assets | 1.2041% | 2,647 |
| Return on Equity (ROE) | 12.1323% | 1,308 |
| Retained earnings to average equity (ytd only) | 12.1323% | 550 |
| Net charge-offs to loans | -0.0060% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8563% | 3,199 |
| Assets per employee ($millions) | 5.1250% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 2,922 |
| Loan loss allowance to noncurrent loans | 8,363.6364% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 5,913 |
| Noncurrent loans to loans | 0.0167% | 5,739 |
| Net loans and leases to total assets | 63.2654% | 3,195 |
| Net loans and leases to deposits | 70.4690% | 3,699 |
| Net loans and leases to core deposits | 77.7262% | 3,408 |
| Total domestic deposits to total assets | 89.7776% | 855 |
| Equity capital to assets | 9.8293% | 4,351 |
| Core capital (leverage) ratio | 8.9739% | 4,979 |
| Tier 1 risk-based capital ratio | 11.6170% | 5,487 |
| Total risk-based capital ratio | 12.7736% | 5,461 |
| Memoranda: | ||
| Average total assets | $101,322,000 | 4,571 |
| Average earning assets | $93,845,500 | 4,554 |
| Average equity | $9,825,000 | 4,819 |
| Average total loans | $66,222,500 | 4,295 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 1,145 |
| Cost of funding earning assets | 0.4726% | 2,957 |
| Net interest margin | 4.3121% | 1,031 |
| Noninterest income to average assets | 0.2349% | 5,456 |
| Noninterest expense to average assets | 3.1929% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9904% | 2,432 |
| Return on assets (ROA) | 0.9982% | 2,468 |
| Pretax return on assets | 1.0407% | 3,346 |
| Return on Equity (ROE) | 10.3004% | 1,985 |
| Retained earnings to average equity (ytd only) | -0.1149% | 5,790 |
| Net charge-offs to loans | 0.0955% | 3,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.4516% | 2,008 |
| Efficiency ratio | 75.5630% | 2,584 |
| Assets per employee ($millions) | 5.0124% | 2,305 |
| Cash dividends to net income (ytd only)* | 101.1156% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 3,056 |
| Loan loss allowance to noncurrent loans | 2,188.0952% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 5,870 |
| Noncurrent loans to loans | 0.0630% | 5,626 |
| Net loans and leases to total assets | 65.5963% | 2,965 |
| Net loans and leases to deposits | 73.0518% | 3,549 |
| Net loans and leases to core deposits | 80.2644% | 3,265 |
| Total domestic deposits to total assets | 89.7943% | 832 |
| Equity capital to assets | 9.6381% | 4,544 |
| Core capital (leverage) ratio | 8.9849% | 5,021 |
| Tier 1 risk-based capital ratio | 10.9454% | 5,927 |
| Total risk-based capital ratio | 12.0742% | 5,908 |
| Memoranda: | ||
| Average total assets | $98,780,600 | 4,635 |
| Average earning assets | $91,416,200 | 4,619 |
| Average equity | $9,572,400 | 4,847 |
| Average total loans | $64,903,400 | 4,336 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 1,169 |
| Cost of funding earning assets | 0.4563% | 3,173 |
| Net interest margin | 4.3101% | 1,029 |
| Noninterest income to average assets | 0.2466% | 5,445 |
| Noninterest expense to average assets | 2.9033% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2996% | 1,375 |
| Return on assets (ROA) | 1.3101% | 1,398 |
| Pretax return on assets | 1.3467% | 2,210 |
| Return on Equity (ROE) | 13.5005% | 1,096 |
| Retained earnings to average equity (ytd only) | 7.4134% | 1,611 |
| Net charge-offs to loans | -0.0145% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4883% | 3,763 |
| Assets per employee ($millions) | 4.9938% | 2,248 |
| Cash dividends to net income (ytd only)* | 45.0880% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 2,803 |
| Loan loss allowance to noncurrent loans | 765.8915% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 5,654 |
| Noncurrent loans to loans | 0.1938% | 5,325 |
| Net loans and leases to total assets | 65.6534% | 2,924 |
| Net loans and leases to deposits | 73.9198% | 3,438 |
| Net loans and leases to core deposits | 79.7596% | 3,338 |
| Total domestic deposits to total assets | 88.8171% | 1,346 |
| Equity capital to assets | 10.0775% | 4,070 |
| Core capital (leverage) ratio | 9.6077% | 4,230 |
| Tier 1 risk-based capital ratio | 11.6135% | 5,732 |
| Total risk-based capital ratio | 12.8273% | 5,670 |
| Memoranda: | ||
| Average total assets | $98,413,750 | 4,685 |
| Average earning assets | $91,164,250 | 4,667 |
| Average equity | $9,550,000 | 4,889 |
| Average total loans | $64,459,750 | 4,390 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 1,254 |
| Cost of funding earning assets | 0.4317% | 3,529 |
| Net interest margin | 4.2840% | 1,062 |
| Noninterest income to average assets | 0.2492% | 5,419 |
| Noninterest expense to average assets | 2.8838% | 3,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3015% | 1,305 |
| Return on assets (ROA) | 1.3173% | 1,304 |
| Pretax return on assets | 1.3541% | 2,069 |
| Return on Equity (ROE) | 13.7551% | 1,004 |
| Retained earnings to average equity (ytd only) | 7.2294% | 1,648 |
| Net charge-offs to loans | -0.0157% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3116% | 3,945 |
| Assets per employee ($millions) | 4.9482% | 2,284 |
| Cash dividends to net income (ytd only)* | 47.4419% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 3,011 |
| Loan loss allowance to noncurrent loans | 458.6047% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 5,465 |
| Noncurrent loans to loans | 0.3216% | 5,043 |
| Net loans and leases to total assets | 66.5565% | 2,661 |
| Net loans and leases to deposits | 74.3328% | 3,283 |
| Net loans and leases to core deposits | 80.2112% | 3,187 |
| Total domestic deposits to total assets | 89.5386% | 1,059 |
| Equity capital to assets | 9.9339% | 4,198 |
| Core capital (leverage) ratio | 9.4444% | 4,403 |
| Tier 1 risk-based capital ratio | 11.4716% | 5,816 |
| Total risk-based capital ratio | 12.6929% | 5,788 |
| Memoranda: | ||
| Average total assets | $97,926,330 | 4,730 |
| Average earning assets | $90,802,000 | 4,708 |
| Average equity | $9,378,330 | 4,940 |
| Average total loans | $63,759,670 | 4,434 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6990% | 1,258 |
| Cost of funding earning assets | 0.4167% | 3,802 |
| Net interest margin | 4.2823% | 1,033 |
| Noninterest income to average assets | 0.2669% | 5,233 |
| Noninterest expense to average assets | 2.8622% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3345% | 1,136 |
| Return on assets (ROA) | 1.3305% | 1,187 |
| Pretax return on assets | 1.3675% | 1,860 |
| Return on Equity (ROE) | 14.1608% | 917 |
| Retained earnings to average equity (ytd only) | 11.7133% | 646 |
| Net charge-offs to loans | -0.0064% | 4,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6043% | 4,252 |
| Assets per employee ($millions) | 4.8680% | 2,419 |
| Cash dividends to net income (ytd only)* | 17.2840% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 2,657 |
| Loan loss allowance to noncurrent loans | 421.4592% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 5,478 |
| Noncurrent loans to loans | 0.3818% | 4,978 |
| Net loans and leases to total assets | 61.6793% | 3,287 |
| Net loans and leases to deposits | 68.5866% | 3,785 |
| Net loans and leases to core deposits | 70.5959% | 4,022 |
| Total domestic deposits to total assets | 89.9291% | 1,109 |
| Equity capital to assets | 9.6949% | 4,231 |
| Core capital (leverage) ratio | 9.4574% | 4,338 |
| Tier 1 risk-based capital ratio | 11.9924% | 5,652 |
| Total risk-based capital ratio | 13.2424% | 5,582 |
| Memoranda: | ||
| Average total assets | $97,407,500 | 4,787 |
| Average earning assets | $90,232,500 | 4,772 |
| Average equity | $9,152,000 | 5,011 |
| Average total loans | $62,213,000 | 4,517 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 2,225 |
| Cost of funding earning assets | 0.4648% | 3,970 |
| Net interest margin | 4.0311% | 1,867 |
| Noninterest income to average assets | 0.2281% | 5,709 |
| Noninterest expense to average assets | 2.9462% | 3,210 |
| Loan and lease loss provision to assets | 0.0444% | 4,238 |
| Net operating income to assets | 0.9265% | 2,658 |
| Return on assets (ROA) | 0.9360% | 2,699 |
| Pretax return on assets | 0.9725% | 3,461 |
| Return on Equity (ROE) | 9.8293% | 2,178 |
| Retained earnings to average equity (ytd only) | -0.2385% | 5,925 |
| Net charge-offs to loans | -0.2443% | 6,645 |
| Credit loss provision to net charge-offs | -32.1429% | 5,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5255% | 3,042 |
| Assets per employee ($millions) | 4.8728% | 2,345 |
| Cash dividends to net income (ytd only)* | 102.4262% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 2,970 |
| Loan loss allowance to noncurrent loans | 536.0656% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 5,745 |
| Noncurrent loans to loans | 0.2887% | 5,323 |
| Net loans and leases to total assets | 64.0419% | 3,039 |
| Net loans and leases to deposits | 70.7980% | 3,680 |
| Net loans and leases to core deposits | 72.6862% | 3,991 |
| Total domestic deposits to total assets | 90.4571% | 844 |
| Equity capital to assets | 9.0965% | 4,928 |
| Core capital (leverage) ratio | 8.8892% | 5,153 |
| Tier 1 risk-based capital ratio | 11.2365% | 6,056 |
| Total risk-based capital ratio | 12.4720% | 6,013 |
| Memoranda: | ||
| Average total assets | $101,281,800 | 4,713 |
| Average earning assets | $93,597,600 | 4,689 |
| Average equity | $9,644,600 | 4,937 |
| Average total loans | $57,311,600 | 4,706 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 2,644 |
| Cost of funding earning assets | 0.4688% | 4,073 |
| Net interest margin | 3.9140% | 2,222 |
| Noninterest income to average assets | 0.2360% | 5,744 |
| Noninterest expense to average assets | 2.6356% | 4,256 |
| Loan and lease loss provision to assets | 0.0587% | 3,875 |
| Net operating income to assets | 1.1226% | 1,920 |
| Return on assets (ROA) | 1.1580% | 1,848 |
| Pretax return on assets | 1.1933% | 2,733 |
| Return on Equity (ROE) | 12.0328% | 1,464 |
| Retained earnings to average equity (ytd only) | 4.2278% | 3,677 |
| Net charge-offs to loans | -0.3298% | 6,736 |
| Credit loss provision to net charge-offs | -32.6087% | 5,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4389% | 4,003 |
| Assets per employee ($millions) | 5.1077% | 2,041 |
| Cash dividends to net income (ytd only)* | 64.8648% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 2,931 |
| Loan loss allowance to noncurrent loans | 185.4167% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 4,892 |
| Noncurrent loans to loans | 0.8719% | 4,075 |
| Net loans and leases to total assets | 58.3227% | 3,958 |
| Net loans and leases to deposits | 69.2481% | 3,898 |
| Net loans and leases to core deposits | 70.2251% | 4,301 |
| Total domestic deposits to total assets | 84.2228% | 4,103 |
| Equity capital to assets | 9.2400% | 4,881 |
| Core capital (leverage) ratio | 9.1936% | 4,842 |
| Tier 1 risk-based capital ratio | 11.7316% | 5,930 |
| Total risk-based capital ratio | 12.9722% | 5,896 |
| Memoranda: | ||
| Average total assets | $102,238,500 | 4,732 |
| Average earning assets | $94,427,750 | 4,716 |
| Average equity | $9,839,500 | 4,944 |
| Average total loans | $55,791,250 | 4,797 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 3,069 |
| Cost of funding earning assets | 0.4810% | 4,082 |
| Net interest margin | 3.7906% | 2,588 |
| Noninterest income to average assets | 0.2523% | 5,642 |
| Noninterest expense to average assets | 2.5698% | 4,496 |
| Loan and lease loss provision to assets | 0.0880% | 3,322 |
| Net operating income to assets | 1.0572% | 2,089 |
| Return on assets (ROA) | 1.0306% | 2,318 |
| Pretax return on assets | 1.0658% | 3,239 |
| Return on Equity (ROE) | 10.5685% | 1,984 |
| Retained earnings to average equity (ytd only) | 2.6271% | 4,637 |
| Net charge-offs to loans | 0.0553% | 3,907 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 40.2667% | 923 |
| Efficiency ratio | 68.5089% | 4,096 |
| Assets per employee ($millions) | 5.0610% | 2,039 |
| Cash dividends to net income (ytd only)* | 75.1423% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 3,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 6,289 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 56.1035% | 4,269 |
| Net loans and leases to deposits | 65.9199% | 4,272 |
| Net loans and leases to core deposits | 66.8472% | 4,611 |
| Total domestic deposits to total assets | 85.1087% | 3,840 |
| Equity capital to assets | 9.1188% | 5,078 |
| Core capital (leverage) ratio | 8.9349% | 5,097 |
| Tier 1 risk-based capital ratio | 11.7145% | 5,982 |
| Total risk-based capital ratio | 12.7805% | 6,061 |
| Memoranda: | ||
| Average total assets | $102,266,670 | 4,763 |
| Average earning assets | $94,390,330 | 4,747 |
| Average equity | $9,973,000 | 4,945 |
| Average total loans | $54,202,330 | 4,875 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 3,541 |
| Cost of funding earning assets | 0.5164% | 3,912 |
| Net interest margin | 3.6274% | 3,149 |
| Noninterest income to average assets | 0.2607% | 5,597 |
| Noninterest expense to average assets | 2.5450% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0110% | 2,177 |
| Return on assets (ROA) | 0.8989% | 2,813 |
| Pretax return on assets | 0.9339% | 3,639 |
| Return on Equity (ROE) | 8.9323% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.1321% | 4,393 |
| Net charge-offs to loans | -0.0229% | 5,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7792% | 3,827 |
| Assets per employee ($millions) | 5.3052% | 1,860 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 3,855 |
| Loan loss allowance to noncurrent loans | 760.9524% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 6,072 |
| Noncurrent loans to loans | 0.1964% | 5,913 |
| Net loans and leases to total assets | 49.6461% | 5,037 |
| Net loans and leases to deposits | 55.1639% | 5,332 |
| Net loans and leases to core deposits | 55.8624% | 5,531 |
| Total domestic deposits to total assets | 89.9975% | 1,056 |
| Equity capital to assets | 9.6972% | 4,570 |
| Core capital (leverage) ratio | 8.9100% | 5,042 |
| Tier 1 risk-based capital ratio | 12.0785% | 5,867 |
| Total risk-based capital ratio | 13.1476% | 5,942 |
| Memoranda: | ||
| Average total assets | $102,790,000 | 4,795 |
| Average earning assets | $94,502,000 | 4,779 |
| Average equity | $10,344,500 | 4,920 |
| Average total loans | $52,496,500 | 4,967 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 2,546 |
| Cost of funding earning assets | 0.6796% | 3,655 |
| Net interest margin | 4.0332% | 2,259 |
| Noninterest income to average assets | 0.2627% | 5,584 |
| Noninterest expense to average assets | 2.7905% | 4,056 |
| Loan and lease loss provision to assets | 0.0102% | 5,793 |
| Net operating income to assets | 1.1261% | 1,853 |
| Return on assets (ROA) | 1.1972% | 1,778 |
| Pretax return on assets | 1.2390% | 2,640 |
| Return on Equity (ROE) | 11.4806% | 1,662 |
| Retained earnings to average equity (ytd only) | 3.7585% | 3,569 |
| Net charge-offs to loans | 0.3439% | 2,913 |
| Credit loss provision to net charge-offs | 5.4054% | 5,446 |
| Earnings coverage of net charge-offs (x) | 6.2432% | 2,847 |
| Efficiency ratio | 70.3542% | 3,746 |
| Assets per employee ($millions) | 4.9739% | 2,258 |
| Cash dividends to net income (ytd only)* | 67.2619% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 3,537 |
| Loan loss allowance to noncurrent loans | 354.2222% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 5,784 |
| Noncurrent loans to loans | 0.4367% | 5,407 |
| Net loans and leases to total assets | 50.9877% | 5,040 |
| Net loans and leases to deposits | 57.1691% | 5,324 |
| Net loans and leases to core deposits | 58.0790% | 5,534 |
| Total domestic deposits to total assets | 89.1875% | 1,443 |
| Equity capital to assets | 10.4547% | 3,579 |
| Core capital (leverage) ratio | 9.1601% | 4,645 |
| Tier 1 risk-based capital ratio | 12.4388% | 5,516 |
| Total risk-based capital ratio | 13.5470% | 5,557 |
| Memoranda: | ||
| Average total assets | $98,227,600 | 4,882 |
| Average earning assets | $90,202,200 | 4,865 |
| Average equity | $10,243,400 | 4,924 |
| Average total loans | $53,797,400 | 4,948 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 2,518 |
| Cost of funding earning assets | 0.7094% | 3,683 |
| Net interest margin | 4.0581% | 2,267 |
| Noninterest income to average assets | 0.2846% | 5,507 |
| Noninterest expense to average assets | 2.6839% | 4,433 |
| Loan and lease loss provision to assets | 0.0136% | 5,642 |
| Net operating income to assets | 1.2922% | 1,460 |
| Return on assets (ROA) | 1.3794% | 1,402 |
| Pretax return on assets | 1.4162% | 2,182 |
| Return on Equity (ROE) | 13.2360% | 1,281 |
| Retained earnings to average equity (ytd only) | 7.1472% | 2,034 |
| Net charge-offs to loans | 0.4709% | 2,214 |
| Credit loss provision to net charge-offs | 5.2083% | 5,125 |
| Earnings coverage of net charge-offs (x) | 5.1251% | 3,105 |
| Efficiency ratio | 66.7005% | 4,312 |
| Assets per employee ($millions) | 4.8914% | 2,331 |
| Cash dividends to net income (ytd only)* | 46.0022% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 4,110 |
| Loan loss allowance to noncurrent loans | 186.5248% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 5,407 |
| Noncurrent loans to loans | 0.7827% | 4,847 |
| Net loans and leases to total assets | 54.4394% | 4,681 |
| Net loans and leases to deposits | 61.3291% | 5,039 |
| Net loans and leases to core deposits | 62.7092% | 5,293 |
| Total domestic deposits to total assets | 88.7660% | 1,556 |
| Equity capital to assets | 10.8609% | 3,432 |
| Core capital (leverage) ratio | 9.3567% | 4,496 |
| Tier 1 risk-based capital ratio | 13.0228% | 5,222 |
| Total risk-based capital ratio | 14.1509% | 5,291 |
| Memoranda: | ||
| Average total assets | $97,915,250 | 4,933 |
| Average earning assets | $90,220,500 | 4,905 |
| Average equity | $10,204,250 | 4,979 |
| Average total loans | $54,367,250 | 4,982 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 2,455 |
| Cost of funding earning assets | 0.7483% | 3,613 |
| Net interest margin | 4.0635% | 2,235 |
| Noninterest income to average assets | 0.2655% | 5,677 |
| Noninterest expense to average assets | 2.8465% | 3,844 |
| Loan and lease loss provision to assets | 0.0204% | 5,413 |
| Net operating income to assets | 1.1023% | 2,035 |
| Return on assets (ROA) | 1.2231% | 1,825 |
| Pretax return on assets | 1.2599% | 2,692 |
| Return on Equity (ROE) | 11.9038% | 1,696 |
| Retained earnings to average equity (ytd only) | 7.8696% | 1,691 |
| Net charge-offs to loans | 0.3194% | 2,754 |
| Credit loss provision to net charge-offs | 11.4943% | 4,724 |
| Earnings coverage of net charge-offs (x) | 6.5057% | 2,625 |
| Efficiency ratio | 71.1224% | 3,579 |
| Assets per employee ($millions) | 5.2036% | 1,923 |
| Cash dividends to net income (ytd only)* | 33.8898% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 3,288 |
| Loan loss allowance to noncurrent loans | 116.7102% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 4,688 |
| Noncurrent loans to loans | 1.4445% | 3,746 |
| Net loans and leases to total assets | 52.7309% | 5,000 |
| Net loans and leases to deposits | 60.3291% | 5,218 |
| Net loans and leases to core deposits | 62.1983% | 5,369 |
| Total domestic deposits to total assets | 87.4054% | 2,533 |
| Equity capital to assets | 10.4513% | 3,747 |
| Core capital (leverage) ratio | 9.2172% | 4,583 |
| Tier 1 risk-based capital ratio | 12.9049% | 5,251 |
| Total risk-based capital ratio | 14.1554% | 5,230 |
| Memoranda: | ||
| Average total assets | $97,944,330 | 4,955 |
| Average earning assets | $90,070,670 | 4,930 |
| Average equity | $10,064,000 | 5,017 |
| Average total loans | $54,474,330 | 5,010 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 2,521 |
| Cost of funding earning assets | 0.7805% | 3,625 |
| Net interest margin | 4.0496% | 2,304 |
| Noninterest income to average assets | 0.2831% | 5,605 |
| Noninterest expense to average assets | 2.9216% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0504% | 2,285 |
| Return on assets (ROA) | 1.0504% | 2,475 |
| Pretax return on assets | 1.0874% | 3,377 |
| Return on Equity (ROE) | 10.3127% | 2,298 |
| Retained earnings to average equity (ytd only) | 6.1635% | 2,860 |
| Net charge-offs to loans | 0.6232% | 1,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.0814% | 2,972 |
| Efficiency ratio | 72.8762% | 3,275 |
| Assets per employee ($millions) | 4.9127% | 2,371 |
| Cash dividends to net income (ytd only)* | 40.2344% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 3,345 |
| Loan loss allowance to noncurrent loans | 36.4198% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 2.5567% | 2,312 |
| Noncurrent loans to loans | 4.6722% | 1,223 |
| Net loans and leases to total assets | 52.0340% | 5,024 |
| Net loans and leases to deposits | 58.1197% | 5,359 |
| Net loans and leases to core deposits | 59.8829% | 5,539 |
| Total domestic deposits to total assets | 89.5291% | 1,354 |
| Equity capital to assets | 10.1534% | 3,911 |
| Core capital (leverage) ratio | 9.0304% | 4,788 |
| Tier 1 risk-based capital ratio | 12.9827% | 5,233 |
| Total risk-based capital ratio | 14.2342% | 5,200 |
| Memoranda: | ||
| Average total assets | $97,482,500 | 4,999 |
| Average earning assets | $89,687,000 | 4,976 |
| Average equity | $9,929,500 | 5,059 |
| Average total loans | $55,197,500 | 5,010 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6844% | 805 |
| Cost of funding earning assets | 0.9725% | 3,560 |
| Net interest margin | 4.7119% | 733 |
| Noninterest income to average assets | 0.3870% | 4,732 |
| Noninterest expense to average assets | 2.6590% | 4,889 |
| Loan and lease loss provision to assets | 2.0127% | 294 |
| Net operating income to assets | 0.0562% | 5,953 |
| Return on assets (ROA) | 0.0612% | 6,055 |
| Pretax return on assets | 0.0633% | 6,029 |
| Return on Equity (ROE) | 0.6298% | 6,033 |
| Retained earnings to average equity (ytd only) | -2.3059% | 6,190 |
| Net charge-offs to loans | 2.9500% | 334 |
| Credit loss provision to net charge-offs | 106.7107% | 3,178 |
| Earnings coverage of net charge-offs (x) | 1.0979% | 4,962 |
| Efficiency ratio | 56.2185% | 6,286 |
| Assets per employee ($millions) | 5.0901% | 2,084 |
| Cash dividends to net income (ytd only)* | 466.1017% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 3,324 |
| Loan loss allowance to noncurrent loans | 67.1508% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.6192% | 3,529 |
| Noncurrent loans to loans | 2.4767% | 2,656 |
| Net loans and leases to total assets | 59.3660% | 4,119 |
| Net loans and leases to deposits | 66.3776% | 4,684 |
| Net loans and leases to core deposits | 68.6647% | 4,949 |
| Total domestic deposits to total assets | 89.4367% | 1,301 |
| Equity capital to assets | 10.2190% | 3,884 |
| Core capital (leverage) ratio | 9.0619% | 4,678 |
| Tier 1 risk-based capital ratio | 11.6858% | 6,034 |
| Total risk-based capital ratio | 12.9361% | 6,019 |
| Memoranda: | ||
| Average total assets | $96,389,000 | 4,996 |
| Average earning assets | $88,839,800 | 4,970 |
| Average equity | $9,367,400 | 5,194 |
| Average total loans | $61,627,000 | 4,802 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6264% | 979 |
| Cost of funding earning assets | 1.0155% | 3,567 |
| Net interest margin | 4.6109% | 927 |
| Noninterest income to average assets | 0.3073% | 5,398 |
| Noninterest expense to average assets | 2.6484% | 4,912 |
| Loan and lease loss provision to assets | 2.6858% | 147 |
| Net operating income to assets | -0.7974% | 6,796 |
| Return on assets (ROA) | -0.7974% | 6,832 |
| Pretax return on assets | -0.7587% | 6,764 |
| Return on Equity (ROE) | -8.3128% | 6,827 |
| Retained earnings to average equity (ytd only) | -12.2816% | 6,927 |
| Net charge-offs to loans | 3.4893% | 226 |
| Credit loss provision to net charge-offs | 118.7271% | 2,749 |
| Earnings coverage of net charge-offs (x) | 0.8519% | 4,976 |
| Efficiency ratio | 57.8820% | 6,030 |
| Assets per employee ($millions) | 5.2126% | 1,917 |
| Cash dividends to net income (ytd only)* | -47.7434% | 7,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 2,790 |
| Loan loss allowance to noncurrent loans | 56.5622% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 2.3042% | 2,781 |
| Noncurrent loans to loans | 3.2645% | 2,121 |
| Net loans and leases to total assets | 65.4353% | 3,023 |
| Net loans and leases to deposits | 73.0366% | 3,804 |
| Net loans and leases to core deposits | 75.7592% | 4,222 |
| Total domestic deposits to total assets | 89.5925% | 1,096 |
| Equity capital to assets | 9.9406% | 4,424 |
| Core capital (leverage) ratio | 8.3613% | 5,906 |
| Tier 1 risk-based capital ratio | 10.8996% | 6,603 |
| Total risk-based capital ratio | 12.1539% | 6,582 |
| Memoranda: | ||
| Average total assets | $96,308,250 | 5,027 |
| Average earning assets | $89,148,750 | 4,986 |
| Average equity | $9,238,500 | 5,249 |
| Average total loans | $62,437,500 | 4,815 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5729% | 1,123 |
| Cost of funding earning assets | 1.0901% | 3,318 |
| Net interest margin | 4.4828% | 1,177 |
| Noninterest income to average assets | 0.3171% | 5,360 |
| Noninterest expense to average assets | 2.7590% | 4,596 |
| Loan and lease loss provision to assets | 0.8751% | 1,024 |
| Net operating income to assets | 0.7927% | 3,110 |
| Return on assets (ROA) | 0.7927% | 3,233 |
| Pretax return on assets | 0.8318% | 3,905 |
| Return on Equity (ROE) | 8.3614% | 2,779 |
| Retained earnings to average equity (ytd only) | 2.3890% | 4,770 |
| Net charge-offs to loans | 1.1250% | 1,395 |
| Credit loss provision to net charge-offs | 121.0826% | 2,518 |
| Earnings coverage of net charge-offs (x) | 2.3618% | 3,642 |
| Efficiency ratio | 61.7796% | 5,620 |
| Assets per employee ($millions) | 5.3761% | 1,682 |
| Cash dividends to net income (ytd only)* | 71.4286% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 4,311 |
| Loan loss allowance to noncurrent loans | 26.7614% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 3.6375% | 1,807 |
| Noncurrent loans to loans | 5.4378% | 1,167 |
| Net loans and leases to total assets | 64.5899% | 3,346 |
| Net loans and leases to deposits | 71.9525% | 4,122 |
| Net loans and leases to core deposits | 74.6304% | 4,491 |
| Total domestic deposits to total assets | 89.7674% | 1,086 |
| Equity capital to assets | 9.7717% | 4,423 |
| Core capital (leverage) ratio | 8.2938% | 5,879 |
| Tier 1 risk-based capital ratio | 10.9504% | 6,571 |
| Total risk-based capital ratio | 12.2002% | 6,540 |
| Memoranda: | ||
| Average total assets | $97,135,330 | 5,046 |
| Average earning assets | $89,899,670 | 5,000 |
| Average equity | $9,209,000 | 5,259 |
| Average total loans | $62,399,670 | 4,856 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4824% | 1,345 |
| Cost of funding earning assets | 1.1577% | 3,101 |
| Net interest margin | 4.3247% | 1,487 |
| Noninterest income to average assets | 0.3453% | 5,152 |
| Noninterest expense to average assets | 2.7251% | 4,734 |
| Loan and lease loss provision to assets | 0.3083% | 2,701 |
| Net operating income to assets | 1.2824% | 1,315 |
| Return on assets (ROA) | 1.2824% | 1,361 |
| Pretax return on assets | 1.3194% | 1,979 |
| Return on Equity (ROE) | 13.7362% | 1,037 |
| Retained earnings to average equity (ytd only) | 4.9309% | 3,239 |
| Net charge-offs to loans | -0.0323% | 6,735 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6062% | 5,586 |
| Assets per employee ($millions) | 5.7112% | 1,399 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 4,199 |
| Loan loss allowance to noncurrent loans | 58.8720% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.6984% | 3,708 |
| Noncurrent loans to loans | 2.5522% | 2,935 |
| Net loans and leases to total assets | 62.7263% | 3,713 |
| Net loans and leases to deposits | 69.5042% | 4,427 |
| Net loans and leases to core deposits | 73.1385% | 4,632 |
| Total domestic deposits to total assets | 90.2482% | 986 |
| Equity capital to assets | 9.4232% | 4,532 |
| Core capital (leverage) ratio | 8.4147% | 5,602 |
| Tier 1 risk-based capital ratio | 11.1145% | 6,424 |
| Total risk-based capital ratio | 12.3648% | 6,397 |
| Memoranda: | ||
| Average total assets | $97,318,500 | 5,074 |
| Average earning assets | $90,179,500 | 5,031 |
| Average equity | $9,085,500 | 5,291 |
| Average total loans | $61,886,500 | 4,909 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1739% | 603 |
| Cost of funding earning assets | 1.5919% | 2,116 |
| Net interest margin | 4.5819% | 1,046 |
| Noninterest income to average assets | 0.2906% | 5,705 |
| Noninterest expense to average assets | 3.0647% | 3,612 |
| Loan and lease loss provision to assets | 0.3768% | 3,861 |
| Net operating income to assets | 1.0056% | 2,023 |
| Return on assets (ROA) | 1.0097% | 2,114 |
| Pretax return on assets | 1.0517% | 2,770 |
| Return on Equity (ROE) | 10.2682% | 1,828 |
| Retained earnings to average equity (ytd only) | 0.6897% | 5,220 |
| Net charge-offs to loans | 0.1251% | 5,643 |
| Credit loss provision to net charge-offs | 454.5455% | 505 |
| Earnings coverage of net charge-offs (x) | 17.1818% | 1,169 |
| Efficiency ratio | 68.2734% | 4,506 |
| Assets per employee ($millions) | 5.1341% | 1,969 |
| Cash dividends to net income (ytd only)* | 93.2836% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 4,653 |
| Loan loss allowance to noncurrent loans | 53.3627% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.7038% | 3,742 |
| Noncurrent loans to loans | 2.5685% | 2,957 |
| Net loans and leases to total assets | 62.6303% | 4,141 |
| Net loans and leases to deposits | 69.3242% | 4,906 |
| Net loans and leases to core deposits | 73.6392% | 5,023 |
| Total domestic deposits to total assets | 90.3441% | 911 |
| Equity capital to assets | 9.2489% | 4,757 |
| Core capital (leverage) ratio | 8.3538% | 5,604 |
| Tier 1 risk-based capital ratio | 10.8335% | 6,461 |
| Total risk-based capital ratio | 11.9865% | 6,511 |
| Memoranda: | ||
| Average total assets | $92,897,400 | 5,195 |
| Average earning assets | $85,116,600 | 5,176 |
| Average equity | $9,135,000 | 5,380 |
| Average total loans | $61,561,800 | 5,004 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4255% | 389 |
| Cost of funding earning assets | 1.6981% | 1,887 |
| Net interest margin | 4.7274% | 789 |
| Noninterest income to average assets | 0.3488% | 5,379 |
| Noninterest expense to average assets | 2.9272% | 3,990 |
| Loan and lease loss provision to assets | 0.4360% | 3,294 |
| Net operating income to assets | 1.2719% | 1,407 |
| Return on assets (ROA) | 1.2776% | 1,473 |
| Pretax return on assets | 1.3168% | 2,123 |
| Return on Equity (ROE) | 12.7899% | 1,319 |
| Retained earnings to average equity (ytd only) | 5.1509% | 2,870 |
| Net charge-offs to loans | 0.0043% | 6,614 |
| Credit loss provision to net charge-offs | 15,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 600.2360% | 48 |
| Efficiency ratio | 62.6244% | 5,504 |
| Assets per employee ($millions) | 4.7364% | 2,543 |
| Cash dividends to net income (ytd only)* | 59.7268% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,580 |
| Loan loss allowance to noncurrent loans | 156.9120% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 5,671 |
| Noncurrent loans to loans | 0.8785% | 5,469 |
| Net loans and leases to total assets | 66.0129% | 3,689 |
| Net loans and leases to deposits | 73.8712% | 4,536 |
| Net loans and leases to core deposits | 78.5529% | 4,731 |
| Total domestic deposits to total assets | 89.3621% | 1,193 |
| Equity capital to assets | 10.2220% | 3,851 |
| Core capital (leverage) ratio | 8.9197% | 4,821 |
| Tier 1 risk-based capital ratio | 11.3008% | 6,098 |
| Total risk-based capital ratio | 12.4954% | 6,144 |
| Memoranda: | ||
| Average total assets | $91,735,000 | 5,298 |
| Average earning assets | $83,933,750 | 5,276 |
| Average equity | $9,163,250 | 5,445 |
| Average total loans | $61,466,500 | 5,080 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3958% | 416 |
| Cost of funding earning assets | 1.8181% | 1,577 |
| Net interest margin | 4.5777% | 1,046 |
| Noninterest income to average assets | 0.3659% | 5,213 |
| Noninterest expense to average assets | 2.8610% | 4,222 |
| Loan and lease loss provision to assets | 0.6061% | 2,368 |
| Net operating income to assets | 1.0495% | 2,017 |
| Return on assets (ROA) | 1.0580% | 2,060 |
| Pretax return on assets | 1.0977% | 2,792 |
| Return on Equity (ROE) | 10.6785% | 1,867 |
| Retained earnings to average equity (ytd only) | 3.4483% | 3,914 |
| Net charge-offs to loans | 0.0263% | 5,971 |
| Credit loss provision to net charge-offs | 3,437.5000% | 116 |
| Earnings coverage of net charge-offs (x) | 96.1250% | 341 |
| Efficiency ratio | 62.7963% | 5,557 |
| Assets per employee ($millions) | 4.6429% | 2,660 |
| Cash dividends to net income (ytd only)* | 67.7083% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,627 |
| Loan loss allowance to noncurrent loans | 76.9863% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3149% | 4,516 |
| Noncurrent loans to loans | 1.7662% | 4,036 |
| Net loans and leases to total assets | 65.8575% | 3,863 |
| Net loans and leases to deposits | 73.5616% | 4,745 |
| Net loans and leases to core deposits | 79.4672% | 4,746 |
| Total domestic deposits to total assets | 89.5270% | 1,165 |
| Equity capital to assets | 10.0573% | 3,941 |
| Core capital (leverage) ratio | 8.6648% | 5,137 |
| Tier 1 risk-based capital ratio | 11.3669% | 5,894 |
| Total risk-based capital ratio | 12.5544% | 5,924 |
| Memoranda: | ||
| Average total assets | $90,737,670 | 5,363 |
| Average earning assets | $83,054,000 | 5,336 |
| Average equity | $8,990,000 | 5,507 |
| Average total loans | $60,820,000 | 5,147 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2870% | 543 |
| Cost of funding earning assets | 1.8485% | 1,665 |
| Net interest margin | 4.4384% | 1,274 |
| Noninterest income to average assets | 0.4014% | 4,906 |
| Noninterest expense to average assets | 2.9483% | 3,863 |
| Loan and lease loss provision to assets | 0.1115% | 5,498 |
| Net operating income to assets | 1.3610% | 1,161 |
| Return on assets (ROA) | 1.3783% | 1,201 |
| Pretax return on assets | 1.4184% | 1,718 |
| Return on Equity (ROE) | 14.0208% | 1,050 |
| Retained earnings to average equity (ytd only) | 8.3489% | 1,576 |
| Net charge-offs to loans | -0.0133% | 6,963 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1000% | 5,094 |
| Assets per employee ($millions) | 4.4942% | 2,968 |
| Cash dividends to net income (ytd only)* | 40.4531% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 6,464 |
| Loan loss allowance to noncurrent loans | 124.5868% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 5,816 |
| Noncurrent loans to loans | 0.8035% | 5,706 |
| Net loans and leases to total assets | 66.3455% | 3,779 |
| Net loans and leases to deposits | 73.9472% | 4,750 |
| Net loans and leases to core deposits | 78.8132% | 4,921 |
| Total domestic deposits to total assets | 89.7201% | 1,131 |
| Equity capital to assets | 9.8972% | 3,999 |
| Core capital (leverage) ratio | 9.1515% | 4,297 |
| Tier 1 risk-based capital ratio | 11.5825% | 5,595 |
| Total risk-based capital ratio | 12.4449% | 5,920 |
| Memoranda: | ||
| Average total assets | $89,677,500 | 5,467 |
| Average earning assets | $82,011,000 | 5,436 |
| Average equity | $8,815,500 | 5,586 |
| Average total loans | $60,231,500 | 5,239 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6115% | 548 |
| Cost of funding earning assets | 2.2394% | 1,871 |
| Net interest margin | 4.3721% | 1,509 |
| Noninterest income to average assets | 0.5191% | 4,267 |
| Noninterest expense to average assets | 3.1053% | 3,716 |
| Loan and lease loss provision to assets | 0.1854% | 5,857 |
| Net operating income to assets | 1.1703% | 1,329 |
| Return on assets (ROA) | 1.1703% | 1,369 |
| Pretax return on assets | 1.2120% | 1,921 |
| Return on Equity (ROE) | 11.1981% | 1,380 |
| Retained earnings to average equity (ytd only) | 1.7185% | 3,878 |
| Net charge-offs to loans | 0.3382% | 4,539 |
| Credit loss provision to net charge-offs | 78.8177% | 6,317 |
| Earnings coverage of net charge-offs (x) | 5.9409% | 2,464 |
| Efficiency ratio | 68.9655% | 4,834 |
| Assets per employee ($millions) | 4.4736% | 2,972 |
| Cash dividends to net income (ytd only)* | 84.6535% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 6,602 |
| Loan loss allowance to noncurrent loans | 94.8929% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 5,465 |
| Noncurrent loans to loans | 1.0079% | 5,300 |
| Net loans and leases to total assets | 66.6696% | 3,998 |
| Net loans and leases to deposits | 74.2516% | 4,997 |
| Net loans and leases to core deposits | 91.8003% | 4,913 |
| Total domestic deposits to total assets | 89.7889% | 1,064 |
| Equity capital to assets | 9.7629% | 4,048 |
| Core capital (leverage) ratio | 9.0346% | 4,365 |
| Tier 1 risk-based capital ratio | 11.3838% | 5,529 |
| Total risk-based capital ratio | 12.2123% | 5,921 |
| Memoranda: | ||
| Average total assets | $86,304,000 | 5,512 |
| Average earning assets | $78,635,400 | 5,502 |
| Average equity | $9,019,400 | 5,598 |
| Average total loans | $60,027,600 | 5,249 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6846% | 524 |
| Cost of funding earning assets | 2.3336% | 1,863 |
| Net interest margin | 4.3510% | 1,585 |
| Noninterest income to average assets | 0.5972% | 3,735 |
| Noninterest expense to average assets | 3.0248% | 3,953 |
| Loan and lease loss provision to assets | 0.0936% | 6,432 |
| Net operating income to assets | 1.4048% | 1,017 |
| Return on assets (ROA) | 1.4048% | 1,083 |
| Pretax return on assets | 1.4469% | 1,574 |
| Return on Equity (ROE) | 13.2149% | 1,065 |
| Retained earnings to average equity (ytd only) | 6.5414% | 1,691 |
| Net charge-offs to loans | 0.2023% | 4,782 |
| Credit loss provision to net charge-offs | 65.9341% | 6,068 |
| Earnings coverage of net charge-offs (x) | 10.8572% | 1,912 |
| Efficiency ratio | 66.2568% | 5,317 |
| Assets per employee ($millions) | 4.5921% | 2,707 |
| Cash dividends to net income (ytd only)* | 50.4995% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,493 |
| Loan loss allowance to noncurrent loans | 115.2941% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 5,586 |
| Noncurrent loans to loans | 0.8316% | 5,635 |
| Net loans and leases to total assets | 69.6149% | 3,597 |
| Net loans and leases to deposits | 78.4417% | 4,672 |
| Net loans and leases to core deposits | 98.1212% | 4,586 |
| Total domestic deposits to total assets | 88.7473% | 1,315 |
| Equity capital to assets | 10.6980% | 3,286 |
| Core capital (leverage) ratio | 9.7317% | 3,601 |
| Tier 1 risk-based capital ratio | 11.9512% | 5,016 |
| Total risk-based capital ratio | 12.8077% | 5,320 |
| Memoranda: | ||
| Average total assets | $85,512,250 | 5,566 |
| Average earning assets | $77,988,250 | 5,559 |
| Average equity | $9,090,500 | 5,634 |
| Average total loans | $59,978,000 | 5,290 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6767% | 566 |
| Cost of funding earning assets | 2.4622% | 1,741 |
| Net interest margin | 4.2145% | 1,942 |
| Noninterest income to average assets | 0.4121% | 5,182 |
| Noninterest expense to average assets | 2.7292% | 5,260 |
| Loan and lease loss provision to assets | 0.0235% | 6,999 |
| Net operating income to assets | 1.4270% | 966 |
| Return on assets (ROA) | 1.4270% | 1,032 |
| Pretax return on assets | 1.4765% | 1,507 |
| Return on Equity (ROE) | 13.4527% | 1,084 |
| Retained earnings to average equity (ytd only) | 7.7919% | 1,278 |
| Net charge-offs to loans | 0.1613% | 4,590 |
| Credit loss provision to net charge-offs | 20.8333% | 6,119 |
| Earnings coverage of net charge-offs (x) | 13.2708% | 1,751 |
| Efficiency ratio | 64.5323% | 5,799 |
| Assets per employee ($millions) | 4.4442% | 2,847 |
| Cash dividends to net income (ytd only)* | 42.0792% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 6,669 |
| Loan loss allowance to noncurrent loans | 50.8757% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5443% | 3,911 |
| Noncurrent loans to loans | 1.8177% | 3,786 |
| Net loans and leases to total assets | 73.7171% | 2,779 |
| Net loans and leases to deposits | 83.0644% | 4,033 |
| Net loans and leases to core deposits | 104.3118% | 4,030 |
| Total domestic deposits to total assets | 88.7469% | 1,405 |
| Equity capital to assets | 10.8019% | 3,114 |
| Core capital (leverage) ratio | 9.7332% | 3,595 |
| Tier 1 risk-based capital ratio | 12.1772% | 4,775 |
| Total risk-based capital ratio | 13.0495% | 5,016 |
| Memoranda: | ||
| Average total assets | $84,933,000 | 5,617 |
| Average earning assets | $76,924,330 | 5,637 |
| Average equity | $9,009,330 | 5,685 |
| Average total loans | $59,528,330 | 5,352 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6599% | 626 |
| Cost of funding earning assets | 2.6250% | 1,492 |
| Net interest margin | 4.0349% | 2,509 |
| Noninterest income to average assets | 0.3898% | 5,300 |
| Noninterest expense to average assets | 2.8270% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1223% | 1,890 |
| Return on assets (ROA) | 1.1223% | 2,013 |
| Pretax return on assets | 1.1646% | 2,748 |
| Return on Equity (ROE) | 10.6774% | 2,080 |
| Retained earnings to average equity (ytd only) | 10.6774% | 1,044 |
| Net charge-offs to loans | 0.3248% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.2766% | 2,707 |
| Efficiency ratio | 70.8235% | 4,407 |
| Assets per employee ($millions) | 4.6748% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 6,240 |
| Loan loss allowance to noncurrent loans | 77.5068% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 4,552 |
| Noncurrent loans to loans | 1.2815% | 4,415 |
| Net loans and leases to total assets | 67.7600% | 4,194 |
| Net loans and leases to deposits | 76.3395% | 5,170 |
| Net loans and leases to core deposits | 95.7738% | 4,995 |
| Total domestic deposits to total assets | 88.7613% | 1,356 |
| Equity capital to assets | 10.7253% | 3,266 |
| Core capital (leverage) ratio | 9.6550% | 3,815 |
| Tier 1 risk-based capital ratio | 12.6607% | 4,426 |
| Total risk-based capital ratio | 13.5661% | 4,608 |
| Memoranda: | ||
| Average total assets | $85,180,000 | 5,639 |
| Average earning assets | $76,037,000 | 5,700 |
| Average equity | $8,953,500 | 5,715 |
| Average total loans | $57,879,000 | 5,460 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3582% | 534 |
| Cost of funding earning assets | 3.1333% | 1,402 |
| Net interest margin | 4.2250% | 2,206 |
| Noninterest income to average assets | 0.4239% | 5,270 |
| Noninterest expense to average assets | 2.7765% | 4,922 |
| Loan and lease loss provision to assets | 0.2537% | 4,382 |
| Net operating income to assets | 1.1803% | 1,840 |
| Return on assets (ROA) | 1.1803% | 1,770 |
| Pretax return on assets | 1.2220% | 2,575 |
| Return on Equity (ROE) | 11.3512% | 1,807 |
| Retained earnings to average equity (ytd only) | -1.1251% | 5,634 |
| Net charge-offs to loans | 0.0548% | 6,002 |
| Credit loss provision to net charge-offs | 684.3750% | 618 |
| Earnings coverage of net charge-offs (x) | 39.8125% | 936 |
| Efficiency ratio | 65.2956% | 5,256 |
| Assets per employee ($millions) | 4.7896% | 2,190 |
| Cash dividends to net income (ytd only)* | 109.9117% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 5,519 |
| Loan loss allowance to noncurrent loans | 89.8403% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 4,365 |
| Noncurrent loans to loans | 1.1845% | 4,144 |
| Net loans and leases to total assets | 66.7521% | 4,695 |
| Net loans and leases to deposits | 74.9434% | 5,739 |
| Net loans and leases to core deposits | 93.4328% | 5,504 |
| Total domestic deposits to total assets | 89.0701% | 1,022 |
| Equity capital to assets | 10.3024% | 3,709 |
| Core capital (leverage) ratio | 9.3203% | 4,271 |
| Tier 1 risk-based capital ratio | 11.6898% | 5,065 |
| Total risk-based capital ratio | 12.6224% | 5,261 |
| Memoranda: | ||
| Average total assets | $86,332,200 | 5,469 |
| Average earning assets | $78,225,400 | 5,488 |
| Average equity | $8,977,000 | 5,744 |
| Average total loans | $58,433,200 | 5,342 |