Home > Community Spirit Bank > Performance and Condition Ratios
Community Spirit Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4286% | 1,262 |
| Cost of funding earning assets | 1.4940% | 1,963 |
| Net interest margin | 3.9346% | 1,304 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 3.2994% | 738 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.8860% | 2,591 |
| Return on assets (ROA) | 0.8860% | 2,565 |
| Pretax return on assets | 0.9278% | 2,881 |
| Return on Equity (ROE) | 13.5400% | 1,593 |
| Retained earnings to average equity (ytd only) | 5.0184% | 2,603 |
| Net charge-offs to loans | 0.2354% | 459 |
| Credit loss provision to net charge-offs | 92.0578% | 1,937 |
| Earnings coverage of net charge-offs (x) | 7.4910% | 2,403 |
| Efficiency ratio | 75.7225% | 1,271 |
| Assets per employee ($millions) | 4.8370% | 3,749 |
| Cash dividends to net income (ytd only)* | 62.9459% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 2,279 |
| Loan loss allowance to noncurrent loans | 4,735.4839% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,245 |
| Noncurrent loans to loans | 0.0254% | 3,564 |
| Net loans and leases to total assets | 59.2900% | 2,909 |
| Net loans and leases to deposits | 64.7095% | 3,253 |
| Net loans and leases to core deposits | 79.1440% | 2,759 |
| Total domestic deposits to total assets | 91.6300% | 370 |
| Equity capital to assets | 6.9652% | 3,955 |
| Core capital (leverage) ratio | 9.1022% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $196,156,600 | 3,011 |
| Average earning assets | $180,121,400 | 3,006 |
| Average equity | $12,832,800 | 3,449 |
| Average total loans | $117,661,800 | 2,980 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2793% | 1,313 |
| Cost of funding earning assets | 1.3297% | 2,060 |
| Net interest margin | 3.9496% | 1,305 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.3530% | 667 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8772% | 2,769 |
| Return on assets (ROA) | 0.8772% | 2,750 |
| Pretax return on assets | 0.9327% | 3,028 |
| Return on Equity (ROE) | 13.6400% | 1,755 |
| Retained earnings to average equity (ytd only) | 5.0651% | 2,910 |
| Net charge-offs to loans | 0.0377% | 1,346 |
| Credit loss provision to net charge-offs | 290.9091% | 906 |
| Earnings coverage of net charge-offs (x) | 44.1212% | 1,389 |
| Efficiency ratio | 77.0528% | 1,088 |
| Assets per employee ($millions) | 4.8154% | 3,725 |
| Cash dividends to net income (ytd only)* | 62.8616% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 1,924 |
| Loan loss allowance to noncurrent loans | 251.2945% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 1,790 |
| Noncurrent loans to loans | 0.5123% | 1,538 |
| Net loans and leases to total assets | 58.8700% | 2,955 |
| Net loans and leases to deposits | 63.4847% | 3,294 |
| Net loans and leases to core deposits | 77.5599% | 2,765 |
| Total domestic deposits to total assets | 92.7400% | 345 |
| Equity capital to assets | 5.6105% | 4,105 |
| Core capital (leverage) ratio | 9.1808% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $194,407,250 | 3,029 |
| Average earning assets | $178,377,000 | 3,032 |
| Average equity | $12,503,500 | 3,474 |
| Average total loans | $116,595,750 | 2,993 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 1,417 |
| Cost of funding earning assets | 1.1674% | 2,086 |
| Net interest margin | 3.9045% | 1,419 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 3.4162% | 590 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7800% | 3,143 |
| Return on assets (ROA) | 0.7800% | 3,156 |
| Pretax return on assets | 0.8280% | 3,335 |
| Return on Equity (ROE) | 11.6100% | 2,268 |
| Retained earnings to average equity (ytd only) | 3.7551% | 3,266 |
| Net charge-offs to loans | 0.0139% | 1,671 |
| Credit loss provision to net charge-offs | 750.0000% | 497 |
| Earnings coverage of net charge-offs (x) | 106.7500% | 900 |
| Efficiency ratio | 79.3220% | 885 |
| Assets per employee ($millions) | 4.7951% | 3,752 |
| Cash dividends to net income (ytd only)* | 67.6471% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 1,904 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.4600% | 3,089 |
| Net loans and leases to deposits | 61.1871% | 3,354 |
| Net loans and leases to core deposits | 70.0841% | 3,127 |
| Total domestic deposits to total assets | 92.2700% | 366 |
| Equity capital to assets | 6.3092% | 4,062 |
| Core capital (leverage) ratio | 9.3847% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $191,794,000 | 3,053 |
| Average earning assets | $175,949,000 | 3,058 |
| Average equity | $12,889,000 | 3,446 |
| Average total loans | $115,253,333 | 3,003 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 1,334 |
| Cost of funding earning assets | 1.0070% | 2,024 |
| Net interest margin | 3.9382% | 1,389 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 3.5039% | 532 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7454% | 3,356 |
| Return on assets (ROA) | 0.7454% | 3,311 |
| Pretax return on assets | 0.7931% | 3,481 |
| Return on Equity (ROE) | 10.7300% | 2,568 |
| Retained earnings to average equity (ytd only) | 5.3005% | 2,951 |
| Net charge-offs to loans | 0.0140% | 1,429 |
| Credit loss provision to net charge-offs | 800.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 791 |
| Efficiency ratio | 80.2481% | 808 |
| Assets per employee ($millions) | 4.1436% | 4,194 |
| Cash dividends to net income (ytd only)* | 50.5814% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 1,926 |
| Loan loss allowance to noncurrent loans | 4,340.0000% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,621 |
| Noncurrent loans to loans | 0.0305% | 3,544 |
| Net loans and leases to total assets | 60.7100% | 2,581 |
| Net loans and leases to deposits | 66.3239% | 2,906 |
| Net loans and leases to core deposits | 76.0660% | 2,527 |
| Total domestic deposits to total assets | 91.5400% | 637 |
| Equity capital to assets | 7.1388% | 3,764 |
| Core capital (leverage) ratio | 9.8706% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,595,500 | 3,140 |
| Average earning assets | $169,619,500 | 3,147 |
| Average equity | $12,829,000 | 3,495 |
| Average total loans | $113,904,500 | 3,047 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 727 |
| Cost of funding earning assets | 0.4550% | 1,683 |
| Net interest margin | 4.0403% | 735 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 3.3995% | 546 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0126% | 2,519 |
| Return on assets (ROA) | 1.0126% | 2,468 |
| Pretax return on assets | 1.0662% | 2,873 |
| Return on Equity (ROE) | 13.4300% | 1,676 |
| Retained earnings to average equity (ytd only) | 5.5454% | 2,810 |
| Net charge-offs to loans | -0.0009% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.2966% | 1,088 |
| Assets per employee ($millions) | 4.3507% | 4,113 |
| Cash dividends to net income (ytd only)* | 58.7241% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 1,815 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 61.0700% | 2,545 |
| Net loans and leases to deposits | 66.3950% | 2,867 |
| Net loans and leases to core deposits | 74.6926% | 2,523 |
| Total domestic deposits to total assets | 91.9800% | 645 |
| Equity capital to assets | 6.7570% | 3,786 |
| Core capital (leverage) ratio | 9.7432% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $181,114,200 | 3,180 |
| Average earning assets | $165,506,000 | 3,200 |
| Average equity | $13,651,000 | 3,510 |
| Average total loans | $109,635,800 | 3,031 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 587 |
| Cost of funding earning assets | 0.3930% | 1,341 |
| Net interest margin | 4.0055% | 634 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 3.3644% | 542 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0042% | 2,468 |
| Return on assets (ROA) | 1.0042% | 2,436 |
| Pretax return on assets | 1.0735% | 2,799 |
| Return on Equity (ROE) | 12.9800% | 1,703 |
| Retained earnings to average equity (ytd only) | 5.5041% | 2,921 |
| Net charge-offs to loans | -0.0098% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.1483% | 1,160 |
| Assets per employee ($millions) | 4.0693% | 4,292 |
| Cash dividends to net income (ytd only)* | 57.6047% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 1,928 |
| Loan loss allowance to noncurrent loans | 29,240.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,994 |
| Noncurrent loans to loans | 0.0045% | 3,928 |
| Net loans and leases to total assets | 62.3600% | 2,244 |
| Net loans and leases to deposits | 67.6102% | 2,569 |
| Net loans and leases to core deposits | 74.6897% | 2,296 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 6.1304% | 3,913 |
| Core capital (leverage) ratio | 9.7335% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $180,710,250 | 3,200 |
| Average earning assets | $164,900,750 | 3,228 |
| Average equity | $13,977,000 | 3,514 |
| Average total loans | $108,773,000 | 3,048 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 577 |
| Cost of funding earning assets | 0.3691% | 1,114 |
| Net interest margin | 3.8720% | 651 |
| Noninterest income to average assets | 0.7042% | 1,319 |
| Noninterest expense to average assets | 3.2461% | 588 |
| Loan and lease loss provision to assets | 0.0329% | 1,997 |
| Net operating income to assets | 0.9046% | 2,562 |
| Return on assets (ROA) | 0.9046% | 2,535 |
| Pretax return on assets | 0.9637% | 2,855 |
| Return on Equity (ROE) | 10.9692% | 1,987 |
| Retained earnings to average equity (ytd only) | 4.2629% | 2,990 |
| Net charge-offs to loans | 0.0240% | 1,241 |
| Credit loss provision to net charge-offs | 230.7692% | 906 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 1,004 |
| Efficiency ratio | 76.5101% | 1,220 |
| Assets per employee ($millions) | 4.7585% | 3,883 |
| Cash dividends to net income (ytd only)* | 61.1380% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 2,143 |
| Loan loss allowance to noncurrent loans | 17,712.5000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,008 |
| Noncurrent loans to loans | 0.0074% | 3,944 |
| Net loans and leases to total assets | 57.4919% | 2,586 |
| Net loans and leases to deposits | 62.9155% | 2,814 |
| Net loans and leases to core deposits | 69.9711% | 2,492 |
| Total domestic deposits to total assets | 91.3795% | 1,071 |
| Equity capital to assets | 6.9010% | 3,818 |
| Core capital (leverage) ratio | 9.5668% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,620,333 | 3,221 |
| Average earning assets | $166,892,333 | 3,251 |
| Average equity | $15,060,333 | 3,483 |
| Average total loans | $108,172,667 | 3,090 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 542 |
| Cost of funding earning assets | 0.3625% | 1,116 |
| Net interest margin | 3.8183% | 617 |
| Noninterest income to average assets | 0.6558% | 1,465 |
| Noninterest expense to average assets | 3.1666% | 631 |
| Loan and lease loss provision to assets | 0.0331% | 1,774 |
| Net operating income to assets | 0.8899% | 2,318 |
| Return on assets (ROA) | 0.8899% | 2,314 |
| Pretax return on assets | 0.9451% | 2,612 |
| Return on Equity (ROE) | 9.9586% | 1,980 |
| Retained earnings to average equity (ytd only) | 3.6325% | 3,060 |
| Net charge-offs to loans | 0.0148% | 1,247 |
| Credit loss provision to net charge-offs | 375.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 110.7500% | 639 |
| Efficiency ratio | 76.3985% | 1,475 |
| Assets per employee ($millions) | 4.7448% | 3,970 |
| Cash dividends to net income (ytd only)* | 63.5236% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.9467% | 2,190 |
| Net loans and leases to deposits | 65.3356% | 2,402 |
| Net loans and leases to core deposits | 72.4816% | 2,067 |
| Total domestic deposits to total assets | 90.2214% | 1,431 |
| Equity capital to assets | 8.0787% | 3,507 |
| Core capital (leverage) ratio | 9.8353% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,140,000 | 3,242 |
| Average earning assets | $165,519,500 | 3,271 |
| Average equity | $16,187,000 | 3,453 |
| Average total loans | $108,203,500 | 3,084 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 544 |
| Cost of funding earning assets | 0.4314% | 1,318 |
| Net interest margin | 4.1307% | 561 |
| Noninterest income to average assets | 0.7814% | 1,504 |
| Noninterest expense to average assets | 3.1647% | 766 |
| Loan and lease loss provision to assets | 0.0744% | 1,621 |
| Net operating income to assets | 1.2383% | 1,780 |
| Return on assets (ROA) | 1.2568% | 1,776 |
| Pretax return on assets | 1.3198% | 2,297 |
| Return on Equity (ROE) | 12.5481% | 1,630 |
| Retained earnings to average equity (ytd only) | 5.2660% | 2,687 |
| Net charge-offs to loans | 0.0167% | 1,960 |
| Credit loss provision to net charge-offs | 722.2222% | 649 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 728 |
| Efficiency ratio | 69.7164% | 1,771 |
| Assets per employee ($millions) | 4.7889% | 3,898 |
| Cash dividends to net income (ytd only)* | 58.0337% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 2,144 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.9703% | 2,274 |
| Net loans and leases to deposits | 66.5751% | 2,456 |
| Net loans and leases to core deposits | 73.8612% | 2,092 |
| Total domestic deposits to total assets | 88.5772% | 1,749 |
| Equity capital to assets | 9.7858% | 2,868 |
| Core capital (leverage) ratio | 9.7980% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,805,200 | 3,253 |
| Average earning assets | $159,030,200 | 3,287 |
| Average equity | $17,508,600 | 3,425 |
| Average total loans | $108,076,800 | 3,102 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 503 |
| Cost of funding earning assets | 0.4487% | 1,358 |
| Net interest margin | 4.2278% | 514 |
| Noninterest income to average assets | 0.7907% | 1,554 |
| Noninterest expense to average assets | 3.2128% | 694 |
| Loan and lease loss provision to assets | 0.0694% | 1,622 |
| Net operating income to assets | 1.2654% | 1,936 |
| Return on assets (ROA) | 1.2901% | 1,910 |
| Pretax return on assets | 1.3687% | 2,441 |
| Return on Equity (ROE) | 12.8024% | 1,765 |
| Retained earnings to average equity (ytd only) | 5.7053% | 2,952 |
| Net charge-offs to loans | 0.0284% | 1,484 |
| Credit loss provision to net charge-offs | 391.3043% | 868 |
| Earnings coverage of net charge-offs (x) | 79.6522% | 987 |
| Efficiency ratio | 69.4718% | 1,661 |
| Assets per employee ($millions) | 5.0410% | 3,660 |
| Cash dividends to net income (ytd only)* | 55.4361% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,662 |
| Loan loss allowance to noncurrent loans | 10,430.7692% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 2,227 |
| Noncurrent loans to loans | 0.0121% | 4,115 |
| Net loans and leases to total assets | 60.0947% | 2,248 |
| Net loans and leases to deposits | 68.3487% | 2,412 |
| Net loans and leases to core deposits | 76.1706% | 2,032 |
| Total domestic deposits to total assets | 87.9236% | 1,889 |
| Equity capital to assets | 10.0581% | 2,840 |
| Core capital (leverage) ratio | 9.9156% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,012,000 | 3,299 |
| Average earning assets | $156,894,250 | 3,342 |
| Average equity | $17,433,750 | 3,478 |
| Average total loans | $107,917,750 | 3,144 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 567 |
| Cost of funding earning assets | 0.4588% | 1,458 |
| Net interest margin | 4.2024% | 582 |
| Noninterest income to average assets | 0.6295% | 2,084 |
| Noninterest expense to average assets | 3.2152% | 699 |
| Loan and lease loss provision to assets | 0.0698% | 1,656 |
| Net operating income to assets | 1.0763% | 2,620 |
| Return on assets (ROA) | 1.1299% | 2,503 |
| Pretax return on assets | 1.2067% | 2,887 |
| Return on Equity (ROE) | 11.2062% | 2,344 |
| Retained earnings to average equity (ytd only) | 3.3699% | 3,728 |
| Net charge-offs to loans | -0.0056% | 3,467 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5007% | 1,381 |
| Assets per employee ($millions) | 4.9846% | 3,670 |
| Cash dividends to net income (ytd only)* | 69.9279% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,533 |
| Loan loss allowance to noncurrent loans | 276.8443% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 1,399 |
| Noncurrent loans to loans | 0.4626% | 2,289 |
| Net loans and leases to total assets | 59.6933% | 2,463 |
| Net loans and leases to deposits | 67.7975% | 2,637 |
| Net loans and leases to core deposits | 75.6267% | 2,272 |
| Total domestic deposits to total assets | 88.0465% | 1,795 |
| Equity capital to assets | 9.9736% | 2,874 |
| Core capital (leverage) ratio | 9.6949% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,871,000 | 3,318 |
| Average earning assets | $155,624,333 | 3,361 |
| Average equity | $17,329,667 | 3,481 |
| Average total loans | $108,095,667 | 3,152 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 670 |
| Cost of funding earning assets | 0.4717% | 1,581 |
| Net interest margin | 4.1238% | 700 |
| Noninterest income to average assets | 0.5839% | 2,280 |
| Noninterest expense to average assets | 3.1798% | 735 |
| Loan and lease loss provision to assets | 0.0703% | 1,753 |
| Net operating income to assets | 1.0173% | 2,757 |
| Return on assets (ROA) | 1.0834% | 2,606 |
| Pretax return on assets | 1.1561% | 2,965 |
| Return on Equity (ROE) | 10.6855% | 2,464 |
| Retained earnings to average equity (ytd only) | 5.6434% | 3,017 |
| Net charge-offs to loans | -0.0695% | 4,512 |
| Credit loss provision to net charge-offs | -157.8947% | 2,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3369% | 1,366 |
| Assets per employee ($millions) | 4.6960% | 3,928 |
| Cash dividends to net income (ytd only)* | 47.1861% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,680 |
| Loan loss allowance to noncurrent loans | 206.1633% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 1,317 |
| Noncurrent loans to loans | 0.6048% | 2,058 |
| Net loans and leases to total assets | 60.9843% | 2,406 |
| Net loans and leases to deposits | 69.2241% | 2,579 |
| Net loans and leases to core deposits | 77.6665% | 2,214 |
| Total domestic deposits to total assets | 88.0969% | 1,795 |
| Equity capital to assets | 9.9106% | 2,788 |
| Core capital (leverage) ratio | 10.0760% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,576,500 | 3,328 |
| Average earning assets | $155,196,500 | 3,361 |
| Average equity | $17,294,500 | 3,487 |
| Average total loans | $109,397,500 | 3,139 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 372 |
| Cost of funding earning assets | 0.6944% | 1,738 |
| Net interest margin | 4.4538% | 359 |
| Noninterest income to average assets | 0.6853% | 1,912 |
| Noninterest expense to average assets | 3.4026% | 794 |
| Loan and lease loss provision to assets | 0.1349% | 2,675 |
| Net operating income to assets | 1.1250% | 1,819 |
| Return on assets (ROA) | 1.1581% | 1,813 |
| Pretax return on assets | 1.2269% | 2,237 |
| Return on Equity (ROE) | 10.9009% | 1,670 |
| Retained earnings to average equity (ytd only) | 4.1598% | 2,733 |
| Net charge-offs to loans | 0.0237% | 2,569 |
| Credit loss provision to net charge-offs | 823.0769% | 882 |
| Earnings coverage of net charge-offs (x) | 80.9231% | 887 |
| Efficiency ratio | 71.9504% | 1,690 |
| Assets per employee ($millions) | 4.6500% | 3,763 |
| Cash dividends to net income (ytd only)* | 61.8400% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,183 |
| Loan loss allowance to noncurrent loans | 1,371.2766% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 2,330 |
| Noncurrent loans to loans | 0.0843% | 3,956 |
| Net loans and leases to total assets | 65.8339% | 2,119 |
| Net loans and leases to deposits | 75.7123% | 2,311 |
| Net loans and leases to core deposits | 85.0709% | 1,950 |
| Total domestic deposits to total assets | 86.9528% | 1,964 |
| Equity capital to assets | 10.3757% | 2,774 |
| Core capital (leverage) ratio | 10.1886% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5924% | 1,382 |
| Memoranda: | ||
| Average total assets | $158,615,800 | 3,302 |
| Average earning assets | $144,013,200 | 3,335 |
| Average equity | $16,851,800 | 3,464 |
| Average total loans | $109,606,800 | 3,100 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2280% | 391 |
| Cost of funding earning assets | 0.7434% | 1,783 |
| Net interest margin | 4.4847% | 392 |
| Noninterest income to average assets | 0.6742% | 1,885 |
| Noninterest expense to average assets | 3.4718% | 731 |
| Loan and lease loss provision to assets | 0.1483% | 2,541 |
| Net operating income to assets | 1.0598% | 2,109 |
| Return on assets (ROA) | 1.1047% | 2,093 |
| Pretax return on assets | 1.1695% | 2,488 |
| Return on Equity (ROE) | 10.3331% | 1,895 |
| Retained earnings to average equity (ytd only) | 4.2975% | 2,897 |
| Net charge-offs to loans | 0.0122% | 2,675 |
| Credit loss provision to net charge-offs | 1,740.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 606 |
| Efficiency ratio | 73.2159% | 1,492 |
| Assets per employee ($millions) | 4.2981% | 4,046 |
| Cash dividends to net income (ytd only)* | 58.4105% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,236 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 2,462 |
| Noncurrent loans to loans | 0.0476% | 4,189 |
| Net loans and leases to total assets | 71.8720% | 1,685 |
| Net loans and leases to deposits | 83.8601% | 1,927 |
| Net loans and leases to core deposits | 94.0090% | 1,638 |
| Total domestic deposits to total assets | 85.7046% | 2,175 |
| Equity capital to assets | 10.7766% | 2,566 |
| Core capital (leverage) ratio | 10.3225% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5138% | 1,369 |
| Memoranda: | ||
| Average total assets | $156,419,750 | 3,301 |
| Average earning assets | $141,873,000 | 3,348 |
| Average equity | $16,722,500 | 3,475 |
| Average total loans | $109,134,750 | 3,116 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 481 |
| Cost of funding earning assets | 0.7960% | 1,846 |
| Net interest margin | 4.5057% | 494 |
| Noninterest income to average assets | 0.6609% | 1,899 |
| Noninterest expense to average assets | 3.4831% | 761 |
| Loan and lease loss provision to assets | 0.1697% | 2,309 |
| Net operating income to assets | 1.0165% | 2,264 |
| Return on assets (ROA) | 1.0890% | 2,129 |
| Pretax return on assets | 1.1533% | 2,534 |
| Return on Equity (ROE) | 10.2147% | 1,922 |
| Retained earnings to average equity (ytd only) | 6.0540% | 2,057 |
| Net charge-offs to loans | 0.0336% | 2,061 |
| Credit loss provision to net charge-offs | 733.3333% | 967 |
| Earnings coverage of net charge-offs (x) | 53.8333% | 1,052 |
| Efficiency ratio | 73.6542% | 1,499 |
| Assets per employee ($millions) | 4.0501% | 4,255 |
| Cash dividends to net income (ytd only)* | 40.7320% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,164 |
| Loan loss allowance to noncurrent loans | 1,688.8889% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 2,543 |
| Noncurrent loans to loans | 0.0640% | 4,219 |
| Net loans and leases to total assets | 68.6392% | 2,240 |
| Net loans and leases to deposits | 79.6537% | 2,471 |
| Net loans and leases to core deposits | 89.1947% | 2,142 |
| Total domestic deposits to total assets | 86.1720% | 1,934 |
| Equity capital to assets | 10.5528% | 2,705 |
| Core capital (leverage) ratio | 10.2371% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7294% | 1,312 |
| Memoranda: | ||
| Average total assets | $155,549,667 | 3,298 |
| Average earning assets | $140,444,000 | 3,339 |
| Average equity | $16,584,000 | 3,494 |
| Average total loans | $106,992,000 | 3,137 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2343% | 622 |
| Cost of funding earning assets | 0.8429% | 2,145 |
| Net interest margin | 4.3913% | 635 |
| Noninterest income to average assets | 0.7589% | 1,438 |
| Noninterest expense to average assets | 3.5504% | 865 |
| Loan and lease loss provision to assets | 0.1471% | 1,927 |
| Net operating income to assets | 0.9938% | 2,192 |
| Return on assets (ROA) | 1.0662% | 2,050 |
| Pretax return on assets | 1.1187% | 2,455 |
| Return on Equity (ROE) | 9.9461% | 1,762 |
| Retained earnings to average equity (ytd only) | 5.5120% | 2,062 |
| Net charge-offs to loans | 0.0422% | 1,611 |
| Credit loss provision to net charge-offs | 509.0909% | 863 |
| Earnings coverage of net charge-offs (x) | 41.1818% | 1,015 |
| Efficiency ratio | 74.9030% | 1,701 |
| Assets per employee ($millions) | 4.0010% | 3,918 |
| Cash dividends to net income (ytd only)* | 44.5813% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,268 |
| Loan loss allowance to noncurrent loans | 3,183.3333% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 2,620 |
| Noncurrent loans to loans | 0.0342% | 4,423 |
| Net loans and leases to total assets | 68.4649% | 2,477 |
| Net loans and leases to deposits | 80.1176% | 2,663 |
| Net loans and leases to core deposits | 90.7001% | 2,277 |
| Total domestic deposits to total assets | 85.4555% | 2,228 |
| Equity capital to assets | 10.7895% | 3,061 |
| Core capital (leverage) ratio | 10.7564% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5648% | 1,453 |
| Memoranda: | ||
| Average total assets | $152,322,000 | 3,297 |
| Average earning assets | $138,090,000 | 3,337 |
| Average equity | $16,328,000 | 3,526 |
| Average total loans | $104,280,500 | 3,168 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2731% | 866 |
| Cost of funding earning assets | 0.9085% | 2,157 |
| Net interest margin | 4.3646% | 959 |
| Noninterest income to average assets | 0.8017% | 1,448 |
| Noninterest expense to average assets | 3.6761% | 783 |
| Loan and lease loss provision to assets | 0.1086% | 1,913 |
| Net operating income to assets | 0.5910% | 4,186 |
| Return on assets (ROA) | 0.5852% | 4,261 |
| Pretax return on assets | 0.9613% | 3,568 |
| Return on Equity (ROE) | 5.4243% | 4,095 |
| Retained earnings to average equity (ytd only) | 0.0683% | 4,671 |
| Net charge-offs to loans | 0.1763% | 1,150 |
| Credit loss provision to net charge-offs | 91.5254% | 2,634 |
| Earnings coverage of net charge-offs (x) | 9.0791% | 2,700 |
| Efficiency ratio | 77.3375% | 1,228 |
| Assets per employee ($millions) | 4.0160% | 3,881 |
| Cash dividends to net income (ytd only)* | 98.7400% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,138 |
| Loan loss allowance to noncurrent loans | 2,393.4783% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 2,489 |
| Noncurrent loans to loans | 0.0445% | 4,383 |
| Net loans and leases to total assets | 66.9838% | 2,831 |
| Net loans and leases to deposits | 77.6409% | 3,043 |
| Net loans and leases to core deposits | 87.0500% | 2,705 |
| Total domestic deposits to total assets | 86.2739% | 1,944 |
| Equity capital to assets | 10.6496% | 3,309 |
| Core capital (leverage) ratio | 10.4839% | 2,965 |
| Tier 1 risk-based capital ratio | 15.6603% | 2,517 |
| Total risk-based capital ratio | 16.7429% | 2,514 |
| Memoranda: | ||
| Average total assets | $149,178,800 | 3,310 |
| Average earning assets | $135,063,200 | 3,350 |
| Average equity | $16,094,200 | 3,532 |
| Average total loans | $100,409,000 | 3,220 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 945 |
| Cost of funding earning assets | 0.9138% | 2,166 |
| Net interest margin | 4.3382% | 1,077 |
| Noninterest income to average assets | 0.7857% | 1,464 |
| Noninterest expense to average assets | 3.6649% | 785 |
| Loan and lease loss provision to assets | 0.0881% | 2,148 |
| Net operating income to assets | 0.8057% | 3,660 |
| Return on assets (ROA) | 0.7973% | 3,756 |
| Pretax return on assets | 0.9448% | 3,752 |
| Return on Equity (ROE) | 7.3663% | 3,562 |
| Retained earnings to average equity (ytd only) | 1.9931% | 4,270 |
| Net charge-offs to loans | 0.1297% | 1,226 |
| Credit loss provision to net charge-offs | 101.0309% | 2,231 |
| Earnings coverage of net charge-offs (x) | 11.9588% | 2,404 |
| Efficiency ratio | 77.8499% | 1,120 |
| Assets per employee ($millions) | 3.8246% | 4,135 |
| Cash dividends to net income (ytd only)* | 72.9427% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,038 |
| Loan loss allowance to noncurrent loans | 720.6452% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,014 |
| Noncurrent loans to loans | 0.1524% | 3,995 |
| Net loans and leases to total assets | 67.4513% | 2,870 |
| Net loans and leases to deposits | 78.8729% | 3,019 |
| Net loans and leases to core deposits | 88.8405% | 2,651 |
| Total domestic deposits to total assets | 85.5190% | 2,201 |
| Equity capital to assets | 11.0431% | 3,067 |
| Core capital (leverage) ratio | 10.9324% | 2,709 |
| Tier 1 risk-based capital ratio | 16.0574% | 2,407 |
| Total risk-based capital ratio | 17.1676% | 2,403 |
| Memoranda: | ||
| Average total assets | $148,321,750 | 3,358 |
| Average earning assets | $134,090,750 | 3,397 |
| Average equity | $16,054,750 | 3,571 |
| Average total loans | $99,680,500 | 3,273 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2219% | 938 |
| Cost of funding earning assets | 0.8965% | 2,165 |
| Net interest margin | 4.3254% | 1,088 |
| Noninterest income to average assets | 0.7917% | 1,376 |
| Noninterest expense to average assets | 3.6382% | 809 |
| Loan and lease loss provision to assets | 0.0811% | 2,216 |
| Net operating income to assets | 0.8262% | 3,558 |
| Return on assets (ROA) | 0.8160% | 3,656 |
| Pretax return on assets | 0.9713% | 3,643 |
| Return on Equity (ROE) | 7.5900% | 3,458 |
| Retained earnings to average equity (ytd only) | 2.1740% | 4,063 |
| Net charge-offs to loans | 0.0162% | 2,571 |
| Credit loss provision to net charge-offs | 750.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 704 |
| Efficiency ratio | 77.3628% | 1,232 |
| Assets per employee ($millions) | 3.9079% | 3,985 |
| Cash dividends to net income (ytd only)* | 71.3576% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 2,721 |
| Loan loss allowance to noncurrent loans | 2,846.3415% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 2,269 |
| Noncurrent loans to loans | 0.0408% | 4,506 |
| Net loans and leases to total assets | 66.8303% | 2,998 |
| Net loans and leases to deposits | 78.1447% | 3,143 |
| Net loans and leases to core deposits | 86.2518% | 2,942 |
| Total domestic deposits to total assets | 85.5212% | 2,255 |
| Equity capital to assets | 10.9663% | 3,102 |
| Core capital (leverage) ratio | 10.9165% | 2,672 |
| Tier 1 risk-based capital ratio | 15.8359% | 2,484 |
| Total risk-based capital ratio | 16.9846% | 2,467 |
| Memoranda: | ||
| Average total assets | $148,042,000 | 3,375 |
| Average earning assets | $133,859,000 | 3,427 |
| Average equity | $15,915,670 | 3,587 |
| Average total loans | $98,998,000 | 3,300 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 1,093 |
| Cost of funding earning assets | 0.8592% | 2,215 |
| Net interest margin | 4.2419% | 1,216 |
| Noninterest income to average assets | 0.8145% | 1,256 |
| Noninterest expense to average assets | 3.5586% | 892 |
| Loan and lease loss provision to assets | 0.0649% | 2,362 |
| Net operating income to assets | 0.8497% | 3,454 |
| Return on assets (ROA) | 0.8497% | 3,499 |
| Pretax return on assets | 1.0256% | 3,365 |
| Return on Equity (ROE) | 7.9842% | 3,273 |
| Retained earnings to average equity (ytd only) | 2.5173% | 3,920 |
| Net charge-offs to loans | 0.0041% | 2,574 |
| Credit loss provision to net charge-offs | 2,400.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 193 |
| Efficiency ratio | 76.5425% | 1,447 |
| Assets per employee ($millions) | 3.7769% | 4,228 |
| Cash dividends to net income (ytd only)* | 68.4713% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,779 |
| Loan loss allowance to noncurrent loans | 3,559.3750% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 2,119 |
| Noncurrent loans to loans | 0.0327% | 4,626 |
| Net loans and leases to total assets | 65.7158% | 3,096 |
| Net loans and leases to deposits | 76.6551% | 3,200 |
| Net loans and leases to core deposits | 84.3551% | 2,992 |
| Total domestic deposits to total assets | 85.7292% | 2,395 |
| Equity capital to assets | 10.8316% | 3,018 |
| Core capital (leverage) ratio | 10.9501% | 2,614 |
| Tier 1 risk-based capital ratio | 15.9274% | 2,474 |
| Total risk-based capital ratio | 17.0602% | 2,454 |
| Memoranda: | ||
| Average total assets | $147,813,000 | 3,415 |
| Average earning assets | $133,619,500 | 3,461 |
| Average equity | $15,731,000 | 3,612 |
| Average total loans | $98,292,000 | 3,348 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 970 |
| Cost of funding earning assets | 0.6287% | 2,535 |
| Net interest margin | 4.4073% | 919 |
| Noninterest income to average assets | 0.9737% | 1,001 |
| Noninterest expense to average assets | 3.5669% | 908 |
| Loan and lease loss provision to assets | 0.4556% | 280 |
| Net operating income to assets | 0.8243% | 3,712 |
| Return on assets (ROA) | 0.8084% | 3,773 |
| Pretax return on assets | 0.9202% | 3,843 |
| Return on Equity (ROE) | 7.6801% | 3,579 |
| Retained earnings to average equity (ytd only) | 1.0953% | 4,681 |
| Net charge-offs to loans | 0.5893% | 291 |
| Credit loss provision to net charge-offs | 114.8862% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.5149% | 3,401 |
| Efficiency ratio | 71.9026% | 1,913 |
| Assets per employee ($millions) | 4.1201% | 3,719 |
| Cash dividends to net income (ytd only)* | 85.7388% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 2,920 |
| Loan loss allowance to noncurrent loans | 11,160.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.7167% | 1,932 |
| Noncurrent loans to loans | 0.0101% | 4,760 |
| Net loans and leases to total assets | 65.7536% | 3,167 |
| Net loans and leases to deposits | 76.5161% | 3,315 |
| Net loans and leases to core deposits | 83.8699% | 3,105 |
| Total domestic deposits to total assets | 85.9343% | 2,264 |
| Equity capital to assets | 10.4547% | 3,233 |
| Core capital (leverage) ratio | 10.9079% | 2,615 |
| Tier 1 risk-based capital ratio | 15.9573% | 2,420 |
| Total risk-based capital ratio | 17.0762% | 2,405 |
| Memoranda: | ||
| Average total assets | $143,989,800 | 3,454 |
| Average earning assets | $130,260,200 | 3,490 |
| Average equity | $15,156,000 | 3,623 |
| Average total loans | $96,899,400 | 3,354 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 906 |
| Cost of funding earning assets | 0.5884% | 2,559 |
| Net interest margin | 4.4325% | 844 |
| Noninterest income to average assets | 1.0076% | 946 |
| Noninterest expense to average assets | 3.4278% | 1,077 |
| Loan and lease loss provision to assets | 0.1148% | 1,765 |
| Net operating income to assets | 1.2124% | 2,194 |
| Return on assets (ROA) | 1.1933% | 2,271 |
| Pretax return on assets | 1.4480% | 2,066 |
| Return on Equity (ROE) | 11.3171% | 2,047 |
| Retained earnings to average equity (ytd only) | 4.3799% | 3,568 |
| Net charge-offs to loans | 0.0981% | 1,516 |
| Credit loss provision to net charge-offs | 173.2394% | 1,546 |
| Earnings coverage of net charge-offs (x) | 23.9447% | 1,830 |
| Efficiency ratio | 68.3662% | 2,472 |
| Assets per employee ($millions) | 3.7499% | 4,237 |
| Cash dividends to net income (ytd only)* | 61.2981% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,211 |
| Loan loss allowance to noncurrent loans | 331.1927% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7930% | 1,869 |
| Noncurrent loans to loans | 0.3312% | 3,482 |
| Net loans and leases to total assets | 68.5278% | 2,862 |
| Net loans and leases to deposits | 79.3451% | 3,111 |
| Net loans and leases to core deposits | 85.3025% | 3,065 |
| Total domestic deposits to total assets | 86.3667% | 2,029 |
| Equity capital to assets | 10.6079% | 3,036 |
| Core capital (leverage) ratio | 11.0305% | 2,552 |
| Tier 1 risk-based capital ratio | 16.3051% | 2,334 |
| Total risk-based capital ratio | 17.4266% | 2,327 |
| Memoranda: | ||
| Average total assets | $142,906,000 | 3,506 |
| Average earning assets | $129,164,750 | 3,540 |
| Average equity | $15,068,250 | 3,652 |
| Average total loans | $96,463,000 | 3,397 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 907 |
| Cost of funding earning assets | 0.5579% | 2,535 |
| Net interest margin | 4.3982% | 851 |
| Noninterest income to average assets | 0.9284% | 1,115 |
| Noninterest expense to average assets | 3.4353% | 1,093 |
| Loan and lease loss provision to assets | 0.0923% | 2,075 |
| Net operating income to assets | 1.1133% | 2,534 |
| Return on assets (ROA) | 1.0850% | 2,651 |
| Pretax return on assets | 1.3451% | 2,342 |
| Return on Equity (ROE) | 10.3107% | 2,418 |
| Retained earnings to average equity (ytd only) | 4.6239% | 3,273 |
| Net charge-offs to loans | 0.0230% | 2,409 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 95.7273% | 717 |
| Efficiency ratio | 70.0000% | 2,312 |
| Assets per employee ($millions) | 3.9446% | 3,996 |
| Cash dividends to net income (ytd only)* | 55.1546% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 3,017 |
| Loan loss allowance to noncurrent loans | 912.6050% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 2,019 |
| Noncurrent loans to loans | 0.1253% | 4,349 |
| Net loans and leases to total assets | 66.0995% | 3,135 |
| Net loans and leases to deposits | 76.5362% | 3,284 |
| Net loans and leases to core deposits | 81.7723% | 3,263 |
| Total domestic deposits to total assets | 86.3638% | 2,114 |
| Equity capital to assets | 10.6504% | 2,967 |
| Core capital (leverage) ratio | 10.9090% | 2,596 |
| Tier 1 risk-based capital ratio | 16.4096% | 2,288 |
| Total risk-based capital ratio | 17.5521% | 2,272 |
| Memoranda: | ||
| Average total assets | $143,042,330 | 3,525 |
| Average earning assets | $129,416,000 | 3,558 |
| Average equity | $15,052,330 | 3,676 |
| Average total loans | $95,706,330 | 3,415 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8586% | 959 |
| Cost of funding earning assets | 0.5276% | 2,564 |
| Net interest margin | 4.3311% | 901 |
| Noninterest income to average assets | 1.0337% | 849 |
| Noninterest expense to average assets | 3.4243% | 1,122 |
| Loan and lease loss provision to assets | 0.1003% | 1,852 |
| Net operating income to assets | 1.1541% | 2,196 |
| Return on assets (ROA) | 1.1006% | 2,431 |
| Pretax return on assets | 1.3764% | 2,081 |
| Return on Equity (ROE) | 10.5218% | 2,161 |
| Retained earnings to average equity (ytd only) | 4.8214% | 3,251 |
| Net charge-offs to loans | -0.0042% | 3,946 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9288% | 2,680 |
| Assets per employee ($millions) | 3.9776% | 4,018 |
| Cash dividends to net income (ytd only)* | 54.1772% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,244 |
| Loan loss allowance to noncurrent loans | 93.7665% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 1,750 |
| Noncurrent loans to loans | 1.1973% | 1,522 |
| Net loans and leases to total assets | 65.6876% | 3,091 |
| Net loans and leases to deposits | 75.8395% | 3,229 |
| Net loans and leases to core deposits | 80.9675% | 3,243 |
| Total domestic deposits to total assets | 86.6139% | 2,270 |
| Equity capital to assets | 10.4377% | 3,134 |
| Core capital (leverage) ratio | 10.8623% | 2,575 |
| Tier 1 risk-based capital ratio | 16.2716% | 2,368 |
| Total risk-based capital ratio | 17.3978% | 2,360 |
| Memoranda: | ||
| Average total assets | $143,561,500 | 3,554 |
| Average earning assets | $130,407,000 | 3,584 |
| Average equity | $15,016,500 | 3,707 |
| Average total loans | $96,084,500 | 3,424 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 834 |
| Cost of funding earning assets | 0.4819% | 2,485 |
| Net interest margin | 4.3988% | 773 |
| Noninterest income to average assets | 0.7812% | 1,641 |
| Noninterest expense to average assets | 3.3736% | 1,244 |
| Loan and lease loss provision to assets | 0.1150% | 1,974 |
| Net operating income to assets | 0.7855% | 3,226 |
| Return on assets (ROA) | 0.8043% | 3,181 |
| Pretax return on assets | 1.2840% | 2,413 |
| Return on Equity (ROE) | 7.6387% | 2,981 |
| Retained earnings to average equity (ytd only) | 1.9446% | 4,158 |
| Net charge-offs to loans | 0.1189% | 1,857 |
| Credit loss provision to net charge-offs | 145.1327% | 1,830 |
| Earnings coverage of net charge-offs (x) | 17.2832% | 2,140 |
| Efficiency ratio | 71.1266% | 2,376 |
| Assets per employee ($millions) | 3.8900% | 4,138 |
| Cash dividends to net income (ytd only)* | 74.5423% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,533 |
| Loan loss allowance to noncurrent loans | 2,577.5000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 4,310 |
| Noncurrent loans to loans | 0.0412% | 4,821 |
| Net loans and leases to total assets | 66.7060% | 3,005 |
| Net loans and leases to deposits | 77.0317% | 3,227 |
| Net loans and leases to core deposits | 81.9324% | 3,250 |
| Total domestic deposits to total assets | 86.5956% | 2,193 |
| Equity capital to assets | 10.4822% | 3,188 |
| Core capital (leverage) ratio | 10.6244% | 2,713 |
| Tier 1 risk-based capital ratio | 16.1408% | 2,382 |
| Total risk-based capital ratio | 17.2320% | 2,379 |
| Memoranda: | ||
| Average total assets | $142,606,200 | 3,575 |
| Average earning assets | $128,445,000 | 3,602 |
| Average equity | $15,015,600 | 3,718 |
| Average total loans | $95,053,200 | 3,434 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 815 |
| Cost of funding earning assets | 0.4756% | 2,471 |
| Net interest margin | 4.3891% | 740 |
| Noninterest income to average assets | 0.7619% | 1,729 |
| Noninterest expense to average assets | 3.4364% | 1,092 |
| Loan and lease loss provision to assets | 0.0956% | 2,188 |
| Net operating income to assets | 0.8442% | 3,298 |
| Return on assets (ROA) | 0.8678% | 3,234 |
| Pretax return on assets | 1.2061% | 2,880 |
| Return on Equity (ROE) | 8.2322% | 3,005 |
| Retained earnings to average equity (ytd only) | 2.5336% | 4,376 |
| Net charge-offs to loans | 0.1128% | 1,666 |
| Credit loss provision to net charge-offs | 127.5000% | 1,916 |
| Earnings coverage of net charge-offs (x) | 16.9257% | 2,145 |
| Efficiency ratio | 73.0333% | 2,039 |
| Assets per employee ($millions) | 3.8424% | 4,246 |
| Cash dividends to net income (ytd only)* | 69.2226% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,887 |
| Loan loss allowance to noncurrent loans | 405.6680% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 4,284 |
| Noncurrent loans to loans | 0.2547% | 4,051 |
| Net loans and leases to total assets | 67.5037% | 2,918 |
| Net loans and leases to deposits | 78.3687% | 3,128 |
| Net loans and leases to core deposits | 83.6220% | 3,164 |
| Total domestic deposits to total assets | 86.1360% | 2,253 |
| Equity capital to assets | 10.7437% | 3,123 |
| Core capital (leverage) ratio | 10.7522% | 2,704 |
| Tier 1 risk-based capital ratio | 16.0026% | 2,503 |
| Total risk-based capital ratio | 17.0546% | 2,525 |
| Memoranda: | ||
| Average total assets | $142,275,250 | 3,613 |
| Average earning assets | $127,829,750 | 3,651 |
| Average equity | $14,997,750 | 3,753 |
| Average total loans | $94,556,250 | 3,470 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 816 |
| Cost of funding earning assets | 0.4677% | 2,432 |
| Net interest margin | 4.3588% | 754 |
| Noninterest income to average assets | 0.7575% | 1,738 |
| Noninterest expense to average assets | 3.4670% | 1,057 |
| Loan and lease loss provision to assets | 0.0928% | 2,134 |
| Net operating income to assets | 0.7989% | 3,407 |
| Return on assets (ROA) | 0.8348% | 3,275 |
| Pretax return on assets | 1.1496% | 2,978 |
| Return on Equity (ROE) | 7.9701% | 3,049 |
| Retained earnings to average equity (ytd only) | 2.2408% | 4,332 |
| Net charge-offs to loans | 0.0939% | 1,679 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 19.2955% | 1,841 |
| Efficiency ratio | 74.3969% | 1,939 |
| Assets per employee ($millions) | 3.7177% | 4,415 |
| Cash dividends to net income (ytd only)* | 71.8855% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,795 |
| Loan loss allowance to noncurrent loans | 216.1987% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 2,714 |
| Noncurrent loans to loans | 0.4903% | 3,280 |
| Net loans and leases to total assets | 66.1388% | 3,080 |
| Net loans and leases to deposits | 75.8376% | 3,362 |
| Net loans and leases to core deposits | 80.5398% | 3,378 |
| Total domestic deposits to total assets | 87.2111% | 1,851 |
| Equity capital to assets | 10.7474% | 3,081 |
| Core capital (leverage) ratio | 10.6044% | 2,808 |
| Tier 1 risk-based capital ratio | 15.6155% | 2,660 |
| Total risk-based capital ratio | 16.6489% | 2,690 |
| Memoranda: | ||
| Average total assets | $142,311,330 | 3,628 |
| Average earning assets | $127,420,000 | 3,682 |
| Average equity | $14,905,670 | 3,774 |
| Average total loans | $93,751,670 | 3,503 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 807 |
| Cost of funding earning assets | 0.4601% | 2,429 |
| Net interest margin | 4.3065% | 774 |
| Noninterest income to average assets | 0.7197% | 1,873 |
| Noninterest expense to average assets | 3.5090% | 1,026 |
| Loan and lease loss provision to assets | 0.0840% | 2,133 |
| Net operating income to assets | 0.7039% | 3,686 |
| Return on assets (ROA) | 0.7785% | 3,376 |
| Pretax return on assets | 1.0838% | 3,048 |
| Return on Equity (ROE) | 7.5303% | 3,155 |
| Retained earnings to average equity (ytd only) | 1.7336% | 4,419 |
| Net charge-offs to loans | 0.1156% | 1,242 |
| Credit loss provision to net charge-offs | 111.1111% | 1,468 |
| Earnings coverage of net charge-offs (x) | 14.0741% | 1,746 |
| Efficiency ratio | 76.7299% | 1,800 |
| Assets per employee ($millions) | 3.5896% | 4,667 |
| Cash dividends to net income (ytd only)* | 76.9784% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,963 |
| Loan loss allowance to noncurrent loans | 1,155.2941% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 2,826 |
| Noncurrent loans to loans | 0.0913% | 4,827 |
| Net loans and leases to total assets | 64.1545% | 3,254 |
| Net loans and leases to deposits | 73.1826% | 3,482 |
| Net loans and leases to core deposits | 77.6195% | 3,506 |
| Total domestic deposits to total assets | 87.6636% | 1,909 |
| Equity capital to assets | 10.3529% | 3,345 |
| Core capital (leverage) ratio | 10.5403% | 2,854 |
| Tier 1 risk-based capital ratio | 15.8418% | 2,613 |
| Total risk-based capital ratio | 16.8774% | 2,640 |
| Memoranda: | ||
| Average total assets | $142,831,500 | 3,655 |
| Average earning assets | $127,806,000 | 3,705 |
| Average equity | $14,767,000 | 3,805 |
| Average total loans | $93,409,500 | 3,527 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 858 |
| Cost of funding earning assets | 0.4768% | 2,285 |
| Net interest margin | 4.3418% | 866 |
| Noninterest income to average assets | 0.7439% | 1,981 |
| Noninterest expense to average assets | 3.5786% | 1,040 |
| Loan and lease loss provision to assets | 0.1557% | 1,598 |
| Net operating income to assets | 0.7014% | 3,776 |
| Return on assets (ROA) | 0.7405% | 3,702 |
| Pretax return on assets | 0.9532% | 3,643 |
| Return on Equity (ROE) | 7.1526% | 3,390 |
| Retained earnings to average equity (ytd only) | 3.1230% | 3,685 |
| Net charge-offs to loans | 0.2740% | 1,008 |
| Credit loss provision to net charge-offs | 86.8217% | 2,858 |
| Earnings coverage of net charge-offs (x) | 5.9031% | 3,260 |
| Efficiency ratio | 77.1664% | 1,818 |
| Assets per employee ($millions) | 3.6431% | 4,553 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 4,035 |
| Loan loss allowance to noncurrent loans | 960.7843% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 2,452 |
| Noncurrent loans to loans | 0.1088% | 4,795 |
| Net loans and leases to total assets | 65.2745% | 3,182 |
| Net loans and leases to deposits | 74.4575% | 3,470 |
| Net loans and leases to core deposits | 79.0585% | 3,471 |
| Total domestic deposits to total assets | 87.6668% | 1,805 |
| Equity capital to assets | 10.3245% | 3,357 |
| Core capital (leverage) ratio | 10.4610% | 2,920 |
| Tier 1 risk-based capital ratio | 15.6975% | 2,671 |
| Total risk-based capital ratio | 16.7260% | 2,693 |
| Memoranda: | ||
| Average total assets | $143,828,600 | 3,611 |
| Average earning assets | $128,977,400 | 3,672 |
| Average equity | $14,889,600 | 3,823 |
| Average total loans | $94,154,200 | 3,495 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 890 |
| Cost of funding earning assets | 0.4801% | 2,261 |
| Net interest margin | 4.3218% | 890 |
| Noninterest income to average assets | 0.7126% | 2,117 |
| Noninterest expense to average assets | 3.5341% | 1,090 |
| Loan and lease loss provision to assets | 0.1821% | 1,214 |
| Net operating income to assets | 0.6580% | 4,041 |
| Return on assets (ROA) | 0.7079% | 3,939 |
| Pretax return on assets | 0.9399% | 3,848 |
| Return on Equity (ROE) | 6.8339% | 3,647 |
| Retained earnings to average equity (ytd only) | 2.8192% | 4,204 |
| Net charge-offs to loans | 0.2659% | 875 |
| Credit loss provision to net charge-offs | 104.7872% | 2,288 |
| Earnings coverage of net charge-offs (x) | 6.0745% | 3,040 |
| Efficiency ratio | 77.0036% | 1,837 |
| Assets per employee ($millions) | 3.7812% | 4,339 |
| Cash dividends to net income (ytd only)* | 58.7471% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,869 |
| Loan loss allowance to noncurrent loans | 381.7164% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 1.4455% | 1,268 |
| Noncurrent loans to loans | 0.2862% | 4,241 |
| Net loans and leases to total assets | 64.4596% | 3,337 |
| Net loans and leases to deposits | 73.8697% | 3,611 |
| Net loans and leases to core deposits | 78.6328% | 3,598 |
| Total domestic deposits to total assets | 87.2612% | 1,774 |
| Equity capital to assets | 10.5110% | 3,550 |
| Core capital (leverage) ratio | 10.3770% | 3,131 |
| Tier 1 risk-based capital ratio | 15.5626% | 2,802 |
| Total risk-based capital ratio | 16.6376% | 2,808 |
| Memoranda: | ||
| Average total assets | $144,265,750 | 3,614 |
| Average earning assets | $129,416,750 | 3,679 |
| Average equity | $14,944,750 | 3,844 |
| Average total loans | $94,262,250 | 3,512 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 923 |
| Cost of funding earning assets | 0.4776% | 2,292 |
| Net interest margin | 4.3016% | 922 |
| Noninterest income to average assets | 0.7089% | 2,103 |
| Noninterest expense to average assets | 3.4889% | 1,180 |
| Loan and lease loss provision to assets | 0.2395% | 823 |
| Net operating income to assets | 0.6411% | 4,092 |
| Return on assets (ROA) | 0.6853% | 4,016 |
| Pretax return on assets | 0.9041% | 3,939 |
| Return on Equity (ROE) | 6.6479% | 3,723 |
| Retained earnings to average equity (ytd only) | 2.6189% | 4,233 |
| Net charge-offs to loans | -0.0953% | 5,598 |
| Credit loss provision to net charge-offs | -384.4444% | 4,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2712% | 2,040 |
| Assets per employee ($millions) | 3.8805% | 4,121 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,786 |
| Loan loss allowance to noncurrent loans | 79.0250% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.9648% | 837 |
| Noncurrent loans to loans | 1.6451% | 1,297 |
| Net loans and leases to total assets | 65.1446% | 3,208 |
| Net loans and leases to deposits | 74.6183% | 3,517 |
| Net loans and leases to core deposits | 79.6237% | 3,498 |
| Total domestic deposits to total assets | 87.3039% | 1,752 |
| Equity capital to assets | 10.5183% | 3,615 |
| Core capital (leverage) ratio | 10.1925% | 3,340 |
| Tier 1 risk-based capital ratio | 15.2534% | 2,957 |
| Total risk-based capital ratio | 16.5027% | 2,896 |
| Memoranda: | ||
| Average total assets | $144,458,670 | 3,638 |
| Average earning assets | $129,811,330 | 3,697 |
| Average equity | $14,892,000 | 3,876 |
| Average total loans | $94,468,670 | 3,510 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 975 |
| Cost of funding earning assets | 0.4779% | 2,299 |
| Net interest margin | 4.2608% | 978 |
| Noninterest income to average assets | 0.6846% | 2,113 |
| Noninterest expense to average assets | 3.4700% | 1,237 |
| Loan and lease loss provision to assets | 0.0994% | 2,037 |
| Net operating income to assets | 0.6957% | 3,737 |
| Return on assets (ROA) | 0.7371% | 3,658 |
| Pretax return on assets | 0.9855% | 3,530 |
| Return on Equity (ROE) | 7.2226% | 3,334 |
| Retained earnings to average equity (ytd only) | 3.1649% | 3,931 |
| Net charge-offs to loans | -0.3138% | 5,942 |
| Credit loss provision to net charge-offs | -48.6486% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1166% | 2,024 |
| Assets per employee ($millions) | 3.7959% | 4,309 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 3,536 |
| Loan loss allowance to noncurrent loans | 69.8571% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.0077% | 864 |
| Noncurrent loans to loans | 1.7046% | 1,324 |
| Net loans and leases to total assets | 64.6606% | 3,158 |
| Net loans and leases to deposits | 73.8577% | 3,452 |
| Net loans and leases to core deposits | 78.7745% | 3,424 |
| Total domestic deposits to total assets | 87.5475% | 1,901 |
| Equity capital to assets | 10.3172% | 3,725 |
| Core capital (leverage) ratio | 10.2347% | 3,278 |
| Tier 1 risk-based capital ratio | 15.1885% | 3,071 |
| Total risk-based capital ratio | 16.3570% | 3,041 |
| Memoranda: | ||
| Average total assets | $144,898,500 | 3,654 |
| Average earning assets | $129,741,000 | 3,720 |
| Average equity | $14,787,000 | 3,896 |
| Average total loans | $94,320,000 | 3,529 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 920 |
| Cost of funding earning assets | 0.4969% | 2,180 |
| Net interest margin | 4.3089% | 947 |
| Noninterest income to average assets | 0.7681% | 1,905 |
| Noninterest expense to average assets | 3.4860% | 1,312 |
| Loan and lease loss provision to assets | 0.1331% | 1,791 |
| Net operating income to assets | 0.7933% | 3,366 |
| Return on assets (ROA) | 0.8248% | 3,306 |
| Pretax return on assets | 1.0634% | 3,215 |
| Return on Equity (ROE) | 8.1115% | 2,893 |
| Retained earnings to average equity (ytd only) | 3.9339% | 3,240 |
| Net charge-offs to loans | 0.1298% | 2,073 |
| Credit loss provision to net charge-offs | 156.6667% | 1,708 |
| Earnings coverage of net charge-offs (x) | 13.6083% | 2,360 |
| Efficiency ratio | 75.0953% | 2,414 |
| Assets per employee ($millions) | 3.8303% | 4,239 |
| Cash dividends to net income (ytd only)* | 51.5021% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 4,173 |
| Loan loss allowance to noncurrent loans | 487.5000% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0553% | 2,080 |
| Noncurrent loans to loans | 0.2207% | 4,633 |
| Net loans and leases to total assets | 64.0543% | 3,270 |
| Net loans and leases to deposits | 73.0775% | 3,606 |
| Net loans and leases to core deposits | 77.4052% | 3,615 |
| Total domestic deposits to total assets | 87.6526% | 1,815 |
| Equity capital to assets | 10.0939% | 3,866 |
| Core capital (leverage) ratio | 10.1796% | 3,286 |
| Tier 1 risk-based capital ratio | 15.1507% | 3,103 |
| Total risk-based capital ratio | 16.2107% | 3,130 |
| Memoranda: | ||
| Average total assets | $141,249,600 | 3,702 |
| Average earning assets | $126,994,400 | 3,757 |
| Average equity | $14,362,400 | 3,929 |
| Average total loans | $92,483,400 | 3,534 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8308% | 883 |
| Cost of funding earning assets | 0.5020% | 2,191 |
| Net interest margin | 4.3288% | 909 |
| Noninterest income to average assets | 0.7666% | 1,946 |
| Noninterest expense to average assets | 3.5022% | 1,283 |
| Loan and lease loss provision to assets | 0.1427% | 1,549 |
| Net operating income to assets | 0.7691% | 3,587 |
| Return on assets (ROA) | 0.8009% | 3,520 |
| Pretax return on assets | 1.0596% | 3,382 |
| Return on Equity (ROE) | 7.8616% | 3,160 |
| Retained earnings to average equity (ytd only) | 3.6600% | 3,859 |
| Net charge-offs to loans | 0.1362% | 1,772 |
| Credit loss provision to net charge-offs | 159.5745% | 1,603 |
| Earnings coverage of net charge-offs (x) | 12.9788% | 2,365 |
| Efficiency ratio | 75.1122% | 2,388 |
| Assets per employee ($millions) | 3.6017% | 4,606 |
| Cash dividends to net income (ytd only)* | 53.4446% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 4,270 |
| Loan loss allowance to noncurrent loans | 430.0429% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 1.3115% | 1,781 |
| Noncurrent loans to loans | 0.2540% | 4,665 |
| Net loans and leases to total assets | 66.2845% | 2,966 |
| Net loans and leases to deposits | 76.3602% | 3,263 |
| Net loans and leases to core deposits | 81.5994% | 3,300 |
| Total domestic deposits to total assets | 86.8051% | 2,137 |
| Equity capital to assets | 10.6113% | 3,457 |
| Core capital (leverage) ratio | 10.4078% | 3,157 |
| Tier 1 risk-based capital ratio | 15.5928% | 3,002 |
| Total risk-based capital ratio | 16.6839% | 3,008 |
| Memoranda: | ||
| Average total assets | $140,173,750 | 3,754 |
| Average earning assets | $126,158,750 | 3,810 |
| Average equity | $14,280,000 | 3,981 |
| Average total loans | $92,042,500 | 3,574 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7914% | 904 |
| Cost of funding earning assets | 0.5130% | 2,137 |
| Net interest margin | 4.2785% | 966 |
| Noninterest income to average assets | 0.6753% | 2,323 |
| Noninterest expense to average assets | 3.4358% | 1,406 |
| Loan and lease loss provision to assets | 0.1600% | 1,325 |
| Net operating income to assets | 0.7108% | 3,839 |
| Return on assets (ROA) | 0.7588% | 3,699 |
| Pretax return on assets | 0.9910% | 3,619 |
| Return on Equity (ROE) | 7.5498% | 3,292 |
| Retained earnings to average equity (ytd only) | 3.3242% | 3,930 |
| Net charge-offs to loans | 0.1910% | 1,315 |
| Credit loss provision to net charge-offs | 128.4091% | 1,715 |
| Earnings coverage of net charge-offs (x) | 8.7386% | 2,534 |
| Efficiency ratio | 75.9387% | 2,367 |
| Assets per employee ($millions) | 3.7332% | 4,358 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 4,601 |
| Loan loss allowance to noncurrent loans | 464.5933% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 1.6622% | 1,441 |
| Noncurrent loans to loans | 0.2262% | 4,870 |
| Net loans and leases to total assets | 66.1980% | 2,918 |
| Net loans and leases to deposits | 75.9502% | 3,281 |
| Net loans and leases to core deposits | 81.0879% | 3,274 |
| Total domestic deposits to total assets | 87.1597% | 2,078 |
| Equity capital to assets | 10.2890% | 3,700 |
| Core capital (leverage) ratio | 10.0951% | 3,469 |
| Tier 1 risk-based capital ratio | 14.4167% | 3,687 |
| Total risk-based capital ratio | 15.4051% | 3,767 |
| Memoranda: | ||
| Average total assets | $141,277,330 | 3,762 |
| Average earning assets | $127,101,670 | 3,820 |
| Average equity | $14,199,000 | 4,012 |
| Average total loans | $92,149,670 | 3,592 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,029 |
| Cost of funding earning assets | 0.5092% | 2,212 |
| Net interest margin | 4.1946% | 1,073 |
| Noninterest income to average assets | 0.6496% | 2,401 |
| Noninterest expense to average assets | 3.3937% | 1,501 |
| Loan and lease loss provision to assets | 0.2100% | 855 |
| Net operating income to assets | 0.6356% | 4,111 |
| Return on assets (ROA) | 0.6916% | 3,968 |
| Pretax return on assets | 0.9016% | 3,885 |
| Return on Equity (ROE) | 6.9614% | 3,527 |
| Retained earnings to average equity (ytd only) | 2.7338% | 4,316 |
| Net charge-offs to loans | 0.2000% | 1,133 |
| Credit loss provision to net charge-offs | 163.0435% | 1,193 |
| Earnings coverage of net charge-offs (x) | 8.0652% | 2,110 |
| Efficiency ratio | 76.5635% | 2,416 |
| Assets per employee ($millions) | 3.7018% | 4,510 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 4,727 |
| Loan loss allowance to noncurrent loans | 431.4159% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 1.4154% | 1,874 |
| Noncurrent loans to loans | 0.2448% | 4,901 |
| Net loans and leases to total assets | 64.9364% | 2,949 |
| Net loans and leases to deposits | 74.3412% | 3,260 |
| Net loans and leases to core deposits | 79.2631% | 3,257 |
| Total domestic deposits to total assets | 87.3491% | 2,187 |
| Equity capital to assets | 10.1614% | 3,928 |
| Core capital (leverage) ratio | 9.8959% | 3,757 |
| Tier 1 risk-based capital ratio | 14.2217% | 3,864 |
| Total risk-based capital ratio | 15.2104% | 3,968 |
| Memoranda: | ||
| Average total assets | $142,852,000 | 3,763 |
| Average earning assets | $128,833,500 | 3,809 |
| Average equity | $14,192,500 | 4,044 |
| Average total loans | $92,020,000 | 3,612 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 946 |
| Cost of funding earning assets | 0.5930% | 1,825 |
| Net interest margin | 4.2923% | 1,074 |
| Noninterest income to average assets | 0.7211% | 2,207 |
| Noninterest expense to average assets | 3.3736% | 1,754 |
| Loan and lease loss provision to assets | 1.2041% | 80 |
| Net operating income to assets | 0.1296% | 5,913 |
| Return on assets (ROA) | 0.1591% | 5,903 |
| Pretax return on assets | 0.0310% | 6,059 |
| Return on Equity (ROE) | 1.6707% | 5,846 |
| Retained earnings to average equity (ytd only) | -1.8776% | 5,999 |
| Net charge-offs to loans | 2.1815% | 81 |
| Credit loss provision to net charge-offs | 84.7374% | 2,765 |
| Earnings coverage of net charge-offs (x) | 0.8484% | 4,553 |
| Efficiency ratio | 73.6737% | 2,885 |
| Assets per employee ($millions) | 3.8167% | 4,315 |
| Cash dividends to net income (ytd only)* | 212.3894% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 4,898 |
| Loan loss allowance to noncurrent loans | 82.8371% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6927% | 1,580 |
| Noncurrent loans to loans | 1.2451% | 2,370 |
| Net loans and leases to total assets | 62.5874% | 3,429 |
| Net loans and leases to deposits | 72.1193% | 3,670 |
| Net loans and leases to core deposits | 76.7747% | 3,627 |
| Total domestic deposits to total assets | 86.7831% | 2,399 |
| Equity capital to assets | 9.7157% | 4,447 |
| Core capital (leverage) ratio | 9.7540% | 3,898 |
| Tier 1 risk-based capital ratio | 14.5207% | 3,765 |
| Total risk-based capital ratio | 15.5070% | 3,856 |
| Memoranda: | ||
| Average total assets | $142,013,800 | 3,760 |
| Average earning assets | $127,646,400 | 3,814 |
| Average equity | $13,527,600 | 4,100 |
| Average total loans | $92,503,200 | 3,573 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 882 |
| Cost of funding earning assets | 0.6121% | 1,742 |
| Net interest margin | 4.3141% | 1,019 |
| Noninterest income to average assets | 0.7013% | 2,323 |
| Noninterest expense to average assets | 3.3809% | 1,717 |
| Loan and lease loss provision to assets | 1.6140% | 51 |
| Net operating income to assets | -0.1184% | 6,229 |
| Return on assets (ROA) | -0.0972% | 6,222 |
| Pretax return on assets | -0.3889% | 6,325 |
| Return on Equity (ROE) | -1.0259% | 6,228 |
| Retained earnings to average equity (ytd only) | -4.6114% | 6,239 |
| Net charge-offs to loans | 0.1107% | 2,694 |
| Credit loss provision to net charge-offs | 2,220.7792% | 164 |
| Earnings coverage of net charge-offs (x) | 16.4033% | 1,976 |
| Efficiency ratio | 73.9319% | 2,830 |
| Assets per employee ($millions) | 3.6992% | 4,491 |
| Cash dividends to net income (ytd only)* | -349.5158% | 6,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0810% | 329 |
| Loan loss allowance to noncurrent loans | 86.7227% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 3.3279% | 655 |
| Noncurrent loans to loans | 3.5528% | 665 |
| Net loans and leases to total assets | 64.6048% | 3,092 |
| Net loans and leases to deposits | 74.8132% | 3,325 |
| Net loans and leases to core deposits | 79.4497% | 3,381 |
| Total domestic deposits to total assets | 86.3548% | 2,671 |
| Equity capital to assets | 9.8392% | 4,380 |
| Core capital (leverage) ratio | 9.6059% | 4,234 |
| Tier 1 risk-based capital ratio | 14.1743% | 4,095 |
| Total risk-based capital ratio | 15.4460% | 4,015 |
| Memoranda: | ||
| Average total assets | $141,258,750 | 3,802 |
| Average earning assets | $126,776,000 | 3,861 |
| Average equity | $13,386,750 | 4,153 |
| Average total loans | $92,699,250 | 3,608 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9490% | 818 |
| Cost of funding earning assets | 0.6338% | 1,628 |
| Net interest margin | 4.3152% | 993 |
| Noninterest income to average assets | 0.6955% | 2,306 |
| Noninterest expense to average assets | 3.3473% | 1,808 |
| Loan and lease loss provision to assets | 0.0565% | 3,165 |
| Net operating income to assets | 0.8683% | 2,963 |
| Return on assets (ROA) | 0.8976% | 2,918 |
| Pretax return on assets | 1.2100% | 2,629 |
| Return on Equity (ROE) | 9.5931% | 2,329 |
| Retained earnings to average equity (ytd only) | 5.9674% | 2,341 |
| Net charge-offs to loans | 0.1624% | 2,093 |
| Credit loss provision to net charge-offs | 53.3333% | 2,749 |
| Earnings coverage of net charge-offs (x) | 11.5733% | 2,145 |
| Efficiency ratio | 73.1768% | 3,124 |
| Assets per employee ($millions) | 3.6774% | 4,490 |
| Cash dividends to net income (ytd only)* | 37.7953% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 3,688 |
| Loan loss allowance to noncurrent loans | 103.5684% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 1,830 |
| Noncurrent loans to loans | 1.2853% | 2,655 |
| Net loans and leases to total assets | 62.9996% | 3,236 |
| Net loans and leases to deposits | 72.6575% | 3,483 |
| Net loans and leases to core deposits | 77.9734% | 3,443 |
| Total domestic deposits to total assets | 86.7076% | 2,626 |
| Equity capital to assets | 9.5252% | 4,719 |
| Core capital (leverage) ratio | 9.5142% | 4,313 |
| Tier 1 risk-based capital ratio | 13.9094% | 4,317 |
| Total risk-based capital ratio | 15.1583% | 4,264 |
| Memoranda: | ||
| Average total assets | $141,488,330 | 3,825 |
| Average earning assets | $127,177,670 | 3,870 |
| Average equity | $13,238,670 | 4,178 |
| Average total loans | $92,365,000 | 3,630 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 890 |
| Cost of funding earning assets | 0.6736% | 1,416 |
| Net interest margin | 4.2156% | 1,171 |
| Noninterest income to average assets | 0.6803% | 2,285 |
| Noninterest expense to average assets | 3.3276% | 1,884 |
| Loan and lease loss provision to assets | 0.0854% | 2,481 |
| Net operating income to assets | 0.8077% | 3,112 |
| Return on assets (ROA) | 0.8596% | 2,922 |
| Pretax return on assets | 1.1301% | 2,770 |
| Return on Equity (ROE) | 9.2727% | 2,335 |
| Retained earnings to average equity (ytd only) | 5.5882% | 2,744 |
| Net charge-offs to loans | 0.2113% | 1,487 |
| Credit loss provision to net charge-offs | 61.2245% | 2,089 |
| Earnings coverage of net charge-offs (x) | 8.2245% | 2,047 |
| Efficiency ratio | 74.3639% | 3,075 |
| Assets per employee ($millions) | 3.7166% | 4,483 |
| Cash dividends to net income (ytd only)* | 39.7351% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 3,849 |
| Loan loss allowance to noncurrent loans | 1,990.3226% | 288 |
| Noncurrent assets plus other real estate owned to assets | 1.2171% | 2,828 |
| Noncurrent loans to loans | 0.0678% | 5,938 |
| Net loans and leases to total assets | 63.8842% | 2,911 |
| Net loans and leases to deposits | 73.6140% | 3,113 |
| Net loans and leases to core deposits | 79.0892% | 3,077 |
| Total domestic deposits to total assets | 86.7827% | 2,946 |
| Equity capital to assets | 9.3598% | 4,684 |
| Core capital (leverage) ratio | 9.5370% | 4,228 |
| Tier 1 risk-based capital ratio | 13.7494% | 4,501 |
| Total risk-based capital ratio | 14.9994% | 4,456 |
| Memoranda: | ||
| Average total assets | $140,522,500 | 3,871 |
| Average earning assets | $126,484,000 | 3,916 |
| Average equity | $13,027,500 | 4,230 |
| Average total loans | $92,761,000 | 3,639 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 666 |
| Cost of funding earning assets | 0.7739% | 1,351 |
| Net interest margin | 4.4091% | 894 |
| Noninterest income to average assets | 0.6909% | 2,592 |
| Noninterest expense to average assets | 3.3015% | 2,149 |
| Loan and lease loss provision to assets | 0.2847% | 1,211 |
| Net operating income to assets | 0.8303% | 3,133 |
| Return on assets (ROA) | 0.8685% | 3,013 |
| Pretax return on assets | 1.1316% | 2,843 |
| Return on Equity (ROE) | 9.4413% | 2,351 |
| Retained earnings to average equity (ytd only) | 6.3151% | 1,795 |
| Net charge-offs to loans | 0.1951% | 2,902 |
| Credit loss provision to net charge-offs | 221.2291% | 1,035 |
| Earnings coverage of net charge-offs (x) | 10.6201% | 2,341 |
| Efficiency ratio | 70.7223% | 3,716 |
| Assets per employee ($millions) | 3.7787% | 4,307 |
| Cash dividends to net income (ytd only)* | 33.1126% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 3,965 |
| Loan loss allowance to noncurrent loans | 97.3602% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 3,014 |
| Noncurrent loans to loans | 1.3693% | 2,847 |
| Net loans and leases to total assets | 66.3808% | 2,635 |
| Net loans and leases to deposits | 75.4569% | 3,034 |
| Net loans and leases to core deposits | 80.8610% | 3,026 |
| Total domestic deposits to total assets | 87.9718% | 2,193 |
| Equity capital to assets | 9.1808% | 4,830 |
| Core capital (leverage) ratio | 9.4086% | 4,404 |
| Tier 1 risk-based capital ratio | 13.1810% | 4,864 |
| Total risk-based capital ratio | 14.4308% | 4,802 |
| Memoranda: | ||
| Average total assets | $139,090,200 | 3,891 |
| Average earning assets | $125,467,000 | 3,937 |
| Average equity | $12,794,800 | 4,301 |
| Average total loans | $91,729,800 | 3,649 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 640 |
| Cost of funding earning assets | 0.7943% | 1,358 |
| Net interest margin | 4.4079% | 879 |
| Noninterest income to average assets | 0.6738% | 2,758 |
| Noninterest expense to average assets | 3.2682% | 2,154 |
| Loan and lease loss provision to assets | 0.1545% | 2,333 |
| Net operating income to assets | 0.8948% | 2,859 |
| Return on assets (ROA) | 0.9138% | 2,870 |
| Pretax return on assets | 1.2507% | 2,509 |
| Return on Equity (ROE) | 9.9284% | 2,213 |
| Retained earnings to average equity (ytd only) | 6.7997% | 1,973 |
| Net charge-offs to loans | -0.0234% | 6,098 |
| Credit loss provision to net charge-offs | -1,006.2500% | 6,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3222% | 3,701 |
| Assets per employee ($millions) | 3.5703% | 4,713 |
| Cash dividends to net income (ytd only)* | 31.5126% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,248 |
| Loan loss allowance to noncurrent loans | 595.0980% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 5,196 |
| Noncurrent loans to loans | 0.2233% | 5,676 |
| Net loans and leases to total assets | 64.7333% | 2,863 |
| Net loans and leases to deposits | 73.7393% | 3,277 |
| Net loans and leases to core deposits | 78.9953% | 3,230 |
| Total domestic deposits to total assets | 87.7867% | 2,256 |
| Equity capital to assets | 9.1933% | 4,945 |
| Core capital (leverage) ratio | 9.3807% | 4,559 |
| Tier 1 risk-based capital ratio | 13.2484% | 4,944 |
| Total risk-based capital ratio | 14.4832% | 4,899 |
| Memoranda: | ||
| Average total assets | $138,909,500 | 3,935 |
| Average earning assets | $125,225,250 | 3,978 |
| Average equity | $12,784,500 | 4,349 |
| Average total loans | $91,146,500 | 3,692 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2304% | 599 |
| Cost of funding earning assets | 0.7978% | 1,427 |
| Net interest margin | 4.4326% | 798 |
| Noninterest income to average assets | 0.6628% | 2,842 |
| Noninterest expense to average assets | 3.2522% | 2,210 |
| Loan and lease loss provision to assets | 0.2176% | 1,744 |
| Net operating income to assets | 0.8804% | 2,899 |
| Return on assets (ROA) | 0.9092% | 2,880 |
| Pretax return on assets | 1.2349% | 2,539 |
| Return on Equity (ROE) | 9.8756% | 2,246 |
| Retained earnings to average equity (ytd only) | 6.7454% | 2,006 |
| Net charge-offs to loans | -0.0747% | 6,406 |
| Credit loss provision to net charge-offs | -444.1176% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7035% | 3,883 |
| Assets per employee ($millions) | 3.4726% | 4,912 |
| Cash dividends to net income (ytd only)* | 31.6957% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,272 |
| Loan loss allowance to noncurrent loans | 587.9808% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 5,259 |
| Noncurrent loans to loans | 0.2294% | 5,734 |
| Net loans and leases to total assets | 64.3986% | 2,853 |
| Net loans and leases to deposits | 73.2239% | 3,256 |
| Net loans and leases to core deposits | 78.2722% | 3,256 |
| Total domestic deposits to total assets | 87.9476% | 2,282 |
| Equity capital to assets | 8.9977% | 5,222 |
| Core capital (leverage) ratio | 9.2334% | 4,648 |
| Tier 1 risk-based capital ratio | 13.1537% | 5,033 |
| Total risk-based capital ratio | 14.4037% | 4,970 |
| Memoranda: | ||
| Average total assets | $138,798,670 | 3,975 |
| Average earning assets | $125,343,000 | 4,004 |
| Average equity | $12,779,000 | 4,378 |
| Average total loans | $91,078,670 | 3,699 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0949% | 747 |
| Cost of funding earning assets | 0.8076% | 1,487 |
| Net interest margin | 4.2872% | 991 |
| Noninterest income to average assets | 0.6429% | 2,920 |
| Noninterest expense to average assets | 3.1770% | 2,431 |
| Loan and lease loss provision to assets | 0.4382% | 661 |
| Net operating income to assets | 0.7030% | 3,671 |
| Return on assets (ROA) | 0.7524% | 3,562 |
| Pretax return on assets | 0.9629% | 3,513 |
| Return on Equity (ROE) | 8.0808% | 2,932 |
| Retained earnings to average equity (ytd only) | 4.9847% | 3,247 |
| Net charge-offs to loans | -0.1621% | 6,627 |
| Credit loss provision to net charge-offs | -410.8108% | 5,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3704% | 3,916 |
| Assets per employee ($millions) | 3.3725% | 5,274 |
| Cash dividends to net income (ytd only)* | 38.3142% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 4,522 |
| Loan loss allowance to noncurrent loans | 103.3727% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1022% | 3,731 |
| Noncurrent loans to loans | 1.2941% | 3,619 |
| Net loans and leases to total assets | 65.3921% | 2,479 |
| Net loans and leases to deposits | 74.6808% | 2,822 |
| Net loans and leases to core deposits | 79.6706% | 2,849 |
| Total domestic deposits to total assets | 87.5622% | 2,596 |
| Equity capital to assets | 9.3598% | 5,046 |
| Core capital (leverage) ratio | 8.9877% | 4,905 |
| Tier 1 risk-based capital ratio | 12.8564% | 5,333 |
| Total risk-based capital ratio | 14.1067% | 5,277 |
| Memoranda: | ||
| Average total assets | $138,747,000 | 4,008 |
| Average earning assets | $125,302,500 | 4,039 |
| Average equity | $12,919,500 | 4,396 |
| Average total loans | $91,281,000 | 3,712 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3096% | 910 |
| Cost of funding earning assets | 1.0089% | 1,311 |
| Net interest margin | 4.3007% | 1,401 |
| Noninterest income to average assets | 0.6622% | 2,924 |
| Noninterest expense to average assets | 3.1025% | 2,912 |
| Loan and lease loss provision to assets | 0.0851% | 4,638 |
| Net operating income to assets | 0.9685% | 2,468 |
| Return on assets (ROA) | 1.0366% | 2,381 |
| Pretax return on assets | 1.4340% | 1,924 |
| Return on Equity (ROE) | 11.6670% | 1,607 |
| Retained earnings to average equity (ytd only) | 8.4194% | 994 |
| Net charge-offs to loans | 0.1186% | 4,504 |
| Credit loss provision to net charge-offs | 114.5631% | 2,536 |
| Earnings coverage of net charge-offs (x) | 19.1748% | 1,401 |
| Efficiency ratio | 68.5309% | 4,050 |
| Assets per employee ($millions) | 3.5698% | 4,848 |
| Cash dividends to net income (ytd only)* | 27.8358% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 5,385 |
| Loan loss allowance to noncurrent loans | 88.6325% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 3,776 |
| Noncurrent loans to loans | 1.2869% | 3,686 |
| Net loans and leases to total assets | 64.5588% | 2,800 |
| Net loans and leases to deposits | 73.7925% | 3,131 |
| Net loans and leases to core deposits | 78.6889% | 3,168 |
| Total domestic deposits to total assets | 87.4869% | 2,537 |
| Equity capital to assets | 9.2636% | 5,191 |
| Core capital (leverage) ratio | 8.9846% | 4,920 |
| Tier 1 risk-based capital ratio | 12.9491% | 5,146 |
| Total risk-based capital ratio | 14.0343% | 5,204 |
| Memoranda: | ||
| Average total assets | $138,631,200 | 3,973 |
| Average earning assets | $124,585,800 | 4,007 |
| Average equity | $12,316,800 | 4,498 |
| Average total loans | $86,870,600 | 3,827 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3367% | 946 |
| Cost of funding earning assets | 1.0551% | 1,262 |
| Net interest margin | 4.2816% | 1,529 |
| Noninterest income to average assets | 0.6499% | 2,996 |
| Noninterest expense to average assets | 3.0501% | 3,058 |
| Loan and lease loss provision to assets | 0.0789% | 4,647 |
| Net operating income to assets | 0.9424% | 2,782 |
| Return on assets (ROA) | 0.9936% | 2,769 |
| Pretax return on assets | 1.4394% | 2,118 |
| Return on Equity (ROE) | 11.3046% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.1499% | 1,556 |
| Net charge-offs to loans | 0.1289% | 4,093 |
| Credit loss provision to net charge-offs | 98.7952% | 3,038 |
| Earnings coverage of net charge-offs (x) | 18.0729% | 1,587 |
| Efficiency ratio | 67.8663% | 4,095 |
| Assets per employee ($millions) | 3.8111% | 4,278 |
| Cash dividends to net income (ytd only)* | 27.9069% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,498 |
| Loan loss allowance to noncurrent loans | 80.3304% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 3,892 |
| Noncurrent loans to loans | 1.4372% | 3,648 |
| Net loans and leases to total assets | 63.7155% | 3,075 |
| Net loans and leases to deposits | 73.1315% | 3,427 |
| Net loans and leases to core deposits | 77.9159% | 3,475 |
| Total domestic deposits to total assets | 87.1245% | 2,594 |
| Equity capital to assets | 9.2508% | 5,530 |
| Core capital (leverage) ratio | 8.7921% | 5,361 |
| Tier 1 risk-based capital ratio | 12.5683% | 5,590 |
| Total risk-based capital ratio | 13.6305% | 5,687 |
| Memoranda: | ||
| Average total assets | $138,483,500 | 4,015 |
| Average earning assets | $124,342,500 | 4,056 |
| Average equity | $12,171,750 | 4,570 |
| Average total loans | $85,859,000 | 3,894 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2826% | 1,087 |
| Cost of funding earning assets | 1.1023% | 1,212 |
| Net interest margin | 4.1803% | 1,800 |
| Noninterest income to average assets | 0.6580% | 2,909 |
| Noninterest expense to average assets | 3.0480% | 3,097 |
| Loan and lease loss provision to assets | 0.0216% | 5,397 |
| Net operating income to assets | 0.9326% | 2,748 |
| Return on assets (ROA) | 0.9862% | 2,757 |
| Pretax return on assets | 1.4225% | 2,123 |
| Return on Equity (ROE) | 11.4183% | 1,843 |
| Retained earnings to average equity (ytd only) | 8.0845% | 1,607 |
| Net charge-offs to loans | 0.1176% | 3,996 |
| Credit loss provision to net charge-offs | 30.0000% | 4,444 |
| Earnings coverage of net charge-offs (x) | 18.9800% | 1,458 |
| Efficiency ratio | 69.0476% | 3,930 |
| Assets per employee ($millions) | 3.8568% | 4,175 |
| Cash dividends to net income (ytd only)* | 29.1971% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,592 |
| Loan loss allowance to noncurrent loans | 48.2169% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 1.7393% | 3,118 |
| Noncurrent loans to loans | 2.3696% | 2,536 |
| Net loans and leases to total assets | 61.5056% | 3,533 |
| Net loans and leases to deposits | 70.0696% | 3,885 |
| Net loans and leases to core deposits | 74.2947% | 3,982 |
| Total domestic deposits to total assets | 87.7778% | 2,293 |
| Equity capital to assets | 8.8659% | 5,847 |
| Core capital (leverage) ratio | 8.4741% | 5,680 |
| Tier 1 risk-based capital ratio | 12.6390% | 5,463 |
| Total risk-based capital ratio | 13.6968% | 5,584 |
| Memoranda: | ||
| Average total assets | $138,911,670 | 4,035 |
| Average earning assets | $124,824,330 | 4,057 |
| Average equity | $11,998,330 | 4,602 |
| Average total loans | $84,999,330 | 3,944 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2707% | 1,171 |
| Cost of funding earning assets | 1.1709% | 1,101 |
| Net interest margin | 4.0998% | 2,087 |
| Noninterest income to average assets | 0.6708% | 2,811 |
| Noninterest expense to average assets | 2.9767% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9395% | 2,749 |
| Return on assets (ROA) | 0.9846% | 2,735 |
| Pretax return on assets | 1.4394% | 2,057 |
| Return on Equity (ROE) | 11.5516% | 1,822 |
| Retained earnings to average equity (ytd only) | 7.1607% | 2,342 |
| Net charge-offs to loans | -0.0142% | 6,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4315% | 4,083 |
| Assets per employee ($millions) | 3.7617% | 4,513 |
| Cash dividends to net income (ytd only)* | 38.0117% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 5,355 |
| Loan loss allowance to noncurrent loans | 1,348.6842% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 6,224 |
| Noncurrent loans to loans | 0.0914% | 6,529 |
| Net loans and leases to total assets | 59.0355% | 3,848 |
| Net loans and leases to deposits | 67.0310% | 4,224 |
| Net loans and leases to core deposits | 72.1360% | 4,131 |
| Total domestic deposits to total assets | 88.0719% | 2,264 |
| Equity capital to assets | 8.6174% | 5,973 |
| Core capital (leverage) ratio | 8.2580% | 5,943 |
| Tier 1 risk-based capital ratio | 12.7687% | 5,390 |
| Total risk-based capital ratio | 13.9078% | 5,443 |
| Memoranda: | ||
| Average total assets | $138,944,500 | 4,055 |
| Average earning assets | $124,690,500 | 4,095 |
| Average equity | $11,842,500 | 4,648 |
| Average total loans | $84,306,500 | 3,998 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7975% | 647 |
| Cost of funding earning assets | 1.4730% | 795 |
| Net interest margin | 4.3245% | 1,623 |
| Noninterest income to average assets | 0.7301% | 2,442 |
| Noninterest expense to average assets | 3.4912% | 2,004 |
| Loan and lease loss provision to assets | 0.0072% | 6,439 |
| Net operating income to assets | 0.8084% | 3,000 |
| Return on assets (ROA) | 0.8518% | 2,967 |
| Pretax return on assets | 1.1655% | 2,593 |
| Return on Equity (ROE) | 10.6201% | 1,833 |
| Retained earnings to average equity (ytd only) | 5.4505% | 2,337 |
| Net charge-offs to loans | 0.0013% | 6,432 |
| Credit loss provision to net charge-offs | 800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 1,235.0000% | 18 |
| Efficiency ratio | 75.8222% | 2,910 |
| Assets per employee ($millions) | 3.4133% | 5,214 |
| Cash dividends to net income (ytd only)* | 48.6772% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 5,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 6,642 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 65.7584% | 2,829 |
| Net loans and leases to deposits | 74.4113% | 3,435 |
| Net loans and leases to core deposits | 77.0902% | 3,813 |
| Total domestic deposits to total assets | 88.3716% | 1,924 |
| Equity capital to assets | 8.2264% | 6,408 |
| Core capital (leverage) ratio | 8.0495% | 6,206 |
| Tier 1 risk-based capital ratio | 11.3492% | 6,255 |
| Total risk-based capital ratio | 12.4749% | 6,308 |
| Memoranda: | ||
| Average total assets | $110,937,600 | 4,620 |
| Average earning assets | $99,387,200 | 4,653 |
| Average equity | $8,898,200 | 5,306 |
| Average total loans | $75,249,800 | 4,304 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8478% | 629 |
| Cost of funding earning assets | 1.5419% | 737 |
| Net interest margin | 4.3059% | 1,691 |
| Noninterest income to average assets | 0.7275% | 2,436 |
| Noninterest expense to average assets | 3.4686% | 2,020 |
| Loan and lease loss provision to assets | 0.0097% | 6,310 |
| Net operating income to assets | 0.8853% | 2,799 |
| Return on assets (ROA) | 0.9181% | 2,812 |
| Pretax return on assets | 1.1546% | 2,807 |
| Return on Equity (ROE) | 11.5218% | 1,680 |
| Retained earnings to average equity (ytd only) | 6.6012% | 2,196 |
| Net charge-offs to loans | -0.0089% | 6,767 |
| Credit loss provision to net charge-offs | -160.0000% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5386% | 2,912 |
| Assets per employee ($millions) | 3.1676% | 5,757 |
| Cash dividends to net income (ytd only)* | 42.7068% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,500 |
| Loan loss allowance to noncurrent loans | 1,483.3333% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 6,636 |
| Noncurrent loans to loans | 0.0804% | 6,733 |
| Net loans and leases to total assets | 66.5181% | 2,778 |
| Net loans and leases to deposits | 75.5571% | 3,397 |
| Net loans and leases to core deposits | 80.6320% | 3,545 |
| Total domestic deposits to total assets | 88.0369% | 2,016 |
| Equity capital to assets | 8.3218% | 6,462 |
| Core capital (leverage) ratio | 7.9298% | 6,453 |
| Tier 1 risk-based capital ratio | 11.4059% | 6,295 |
| Total risk-based capital ratio | 12.5550% | 6,350 |
| Memoranda: | ||
| Average total assets | $110,512,500 | 4,656 |
| Average earning assets | $99,180,000 | 4,690 |
| Average equity | $8,806,250 | 5,360 |
| Average total loans | $75,324,000 | 4,342 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 664 |
| Cost of funding earning assets | 1.5512% | 835 |
| Net interest margin | 4.2884% | 1,711 |
| Noninterest income to average assets | 0.7573% | 2,226 |
| Noninterest expense to average assets | 3.4349% | 2,170 |
| Loan and lease loss provision to assets | 0.0145% | 6,101 |
| Net operating income to assets | 0.9128% | 2,586 |
| Return on assets (ROA) | 0.9457% | 2,546 |
| Pretax return on assets | 1.2011% | 2,473 |
| Return on Equity (ROE) | 12.0466% | 1,473 |
| Retained earnings to average equity (ytd only) | 7.0849% | 1,842 |
| Net charge-offs to loans | 0.0079% | 5,747 |
| Credit loss provision to net charge-offs | 266.6667% | 1,139 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 163 |
| Efficiency ratio | 74.5283% | 3,268 |
| Assets per employee ($millions) | 3.2439% | 5,539 |
| Cash dividends to net income (ytd only)* | 41.1877% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 6,812 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 67.3754% | 2,744 |
| Net loans and leases to deposits | 76.3545% | 3,404 |
| Net loans and leases to core deposits | 80.0752% | 3,776 |
| Total domestic deposits to total assets | 88.2402% | 1,996 |
| Equity capital to assets | 8.1212% | 6,586 |
| Core capital (leverage) ratio | 7.9398% | 6,367 |
| Tier 1 risk-based capital ratio | 11.5152% | 6,157 |
| Total risk-based capital ratio | 12.6819% | 6,210 |
| Memoranda: | ||
| Average total assets | $110,394,670 | 4,696 |
| Average earning assets | $99,152,000 | 4,726 |
| Average equity | $8,666,330 | 5,416 |
| Average total loans | $75,553,330 | 4,364 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8195% | 715 |
| Cost of funding earning assets | 1.5728% | 907 |
| Net interest margin | 4.2467% | 1,758 |
| Noninterest income to average assets | 0.8257% | 1,941 |
| Noninterest expense to average assets | 3.4551% | 2,129 |
| Loan and lease loss provision to assets | 0.0217% | 5,681 |
| Net operating income to assets | 0.9090% | 2,517 |
| Return on assets (ROA) | 0.9090% | 2,576 |
| Pretax return on assets | 1.1626% | 2,502 |
| Return on Equity (ROE) | 11.7827% | 1,521 |
| Retained earnings to average equity (ytd only) | 5.9148% | 2,689 |
| Net charge-offs to loans | 0.0475% | 4,466 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 727 |
| Efficiency ratio | 74.4731% | 3,430 |
| Assets per employee ($millions) | 3.1145% | 5,915 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 5,839 |
| Loan loss allowance to noncurrent loans | 637.9562% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 6,271 |
| Noncurrent loans to loans | 0.1806% | 6,606 |
| Net loans and leases to total assets | 68.7806% | 2,382 |
| Net loans and leases to deposits | 77.9144% | 3,072 |
| Net loans and leases to core deposits | 81.5233% | 3,525 |
| Total domestic deposits to total assets | 88.2771% | 2,205 |
| Equity capital to assets | 7.8893% | 6,604 |
| Core capital (leverage) ratio | 7.7254% | 6,535 |
| Tier 1 risk-based capital ratio | 10.9963% | 6,516 |
| Total risk-based capital ratio | 12.1277% | 6,566 |
| Memoranda: | ||
| Average total assets | $110,446,500 | 4,724 |
| Average earning assets | $99,184,000 | 4,761 |
| Average equity | $8,521,000 | 5,453 |
| Average total loans | $75,734,500 | 4,394 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9957% | 855 |
| Cost of funding earning assets | 1.9042% | 832 |
| Net interest margin | 4.0916% | 2,607 |
| Noninterest income to average assets | 0.8407% | 2,097 |
| Noninterest expense to average assets | 3.5126% | 2,139 |
| Loan and lease loss provision to assets | 0.0963% | 6,179 |
| Net operating income to assets | 0.7076% | 3,203 |
| Return on assets (ROA) | 0.6771% | 3,449 |
| Pretax return on assets | 0.8307% | 3,529 |
| Return on Equity (ROE) | 8.8798% | 2,344 |
| Retained earnings to average equity (ytd only) | 3.3970% | 3,493 |
| Net charge-offs to loans | 0.0240% | 6,573 |
| Credit loss provision to net charge-offs | 588.8889% | 373 |
| Earnings coverage of net charge-offs (x) | 58.9444% | 399 |
| Efficiency ratio | 78.4612% | 2,626 |
| Assets per employee ($millions) | 3.1967% | 5,677 |
| Cash dividends to net income (ytd only)* | 61.7450% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 5,686 |
| Loan loss allowance to noncurrent loans | 173.5178% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 5,652 |
| Noncurrent loans to loans | 0.6692% | 5,706 |
| Net loans and leases to total assets | 66.8013% | 3,274 |
| Net loans and leases to deposits | 75.2487% | 3,970 |
| Net loans and leases to core deposits | 80.9663% | 4,065 |
| Total domestic deposits to total assets | 88.7741% | 1,783 |
| Equity capital to assets | 7.5453% | 6,857 |
| Core capital (leverage) ratio | 7.6922% | 6,550 |
| Tier 1 risk-based capital ratio | 10.5835% | 6,650 |
| Total risk-based capital ratio | 11.6938% | 6,711 |
| Memoranda: | ||
| Average total assets | $110,032,800 | 4,711 |
| Average earning assets | $97,786,000 | 4,781 |
| Average equity | $8,389,800 | 5,590 |
| Average total loans | $75,041,400 | 4,482 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0597% | 827 |
| Cost of funding earning assets | 1.9988% | 755 |
| Net interest margin | 4.0609% | 2,807 |
| Noninterest income to average assets | 0.8335% | 2,061 |
| Noninterest expense to average assets | 3.4863% | 2,064 |
| Loan and lease loss provision to assets | 0.0925% | 6,107 |
| Net operating income to assets | 0.7807% | 3,085 |
| Return on assets (ROA) | 0.7751% | 3,265 |
| Pretax return on assets | 0.8457% | 3,753 |
| Return on Equity (ROE) | 10.1389% | 2,074 |
| Retained earnings to average equity (ytd only) | 5.6027% | 2,591 |
| Net charge-offs to loans | 0.0320% | 6,240 |
| Credit loss provision to net charge-offs | 422.2222% | 717 |
| Earnings coverage of net charge-offs (x) | 43.1100% | 645 |
| Efficiency ratio | 78.6872% | 2,532 |
| Assets per employee ($millions) | 2.9511% | 6,266 |
| Cash dividends to net income (ytd only)* | 44.7410% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,868 |
| Loan loss allowance to noncurrent loans | 705.8333% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 6,445 |
| Noncurrent loans to loans | 0.1583% | 6,862 |
| Net loans and leases to total assets | 70.5774% | 2,597 |
| Net loans and leases to deposits | 80.3816% | 3,379 |
| Net loans and leases to core deposits | 102.2487% | 1,632 |
| Total domestic deposits to total assets | 87.8029% | 2,090 |
| Equity capital to assets | 8.1910% | 6,620 |
| Core capital (leverage) ratio | 7.8039% | 6,566 |
| Tier 1 risk-based capital ratio | 10.5466% | 6,744 |
| Total risk-based capital ratio | 11.6091% | 6,853 |
| Memoranda: | ||
| Average total assets | $109,570,000 | 4,782 |
| Average earning assets | $97,053,500 | 4,862 |
| Average equity | $8,376,750 | 5,666 |
| Average total loans | $74,897,250 | 4,569 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0143% | 919 |
| Cost of funding earning assets | 2.0668% | 739 |
| Net interest margin | 3.9475% | 3,248 |
| Noninterest income to average assets | 0.8439% | 1,904 |
| Noninterest expense to average assets | 3.4586% | 2,126 |
| Loan and lease loss provision to assets | 0.0831% | 6,098 |
| Net operating income to assets | 0.7366% | 3,254 |
| Return on assets (ROA) | 0.7282% | 3,433 |
| Pretax return on assets | 0.7824% | 3,940 |
| Return on Equity (ROE) | 9.7480% | 2,194 |
| Retained earnings to average equity (ytd only) | 5.0312% | 2,887 |
| Net charge-offs to loans | 0.0617% | 5,526 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 21.0435% | 1,184 |
| Efficiency ratio | 79.8165% | 2,464 |
| Assets per employee ($millions) | 3.0912% | 5,939 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,966 |
| Loan loss allowance to noncurrent loans | 1,230.3030% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 6,649 |
| Noncurrent loans to loans | 0.0890% | 7,087 |
| Net loans and leases to total assets | 67.7934% | 3,424 |
| Net loans and leases to deposits | 78.5073% | 3,885 |
| Net loans and leases to core deposits | 84.8178% | 4,021 |
| Total domestic deposits to total assets | 86.3530% | 2,903 |
| Equity capital to assets | 7.8241% | 6,902 |
| Core capital (leverage) ratio | 7.4983% | 6,825 |
| Tier 1 risk-based capital ratio | 10.2862% | 6,848 |
| Total risk-based capital ratio | 11.2970% | 6,979 |
| Memoranda: | ||
| Average total assets | $110,680,670 | 4,782 |
| Average earning assets | $97,833,330 | 4,881 |
| Average equity | $8,268,330 | 5,708 |
| Average total loans | $74,587,330 | 4,619 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9623% | 1,051 |
| Cost of funding earning assets | 2.1244% | 747 |
| Net interest margin | 3.8378% | 3,632 |
| Noninterest income to average assets | 0.8613% | 1,765 |
| Noninterest expense to average assets | 3.4487% | 2,111 |
| Loan and lease loss provision to assets | 0.0465% | 6,201 |
| Net operating income to assets | 0.6956% | 3,457 |
| Return on assets (ROA) | 0.6755% | 3,663 |
| Pretax return on assets | 0.7148% | 4,186 |
| Return on Equity (ROE) | 9.2534% | 2,404 |
| Retained earnings to average equity (ytd only) | 3.6230% | 3,981 |
| Net charge-offs to loans | 0.1390% | 4,103 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 8.4231% | 1,960 |
| Efficiency ratio | 81.5034% | 2,350 |
| Assets per employee ($millions) | 3.2748% | 5,595 |
| Cash dividends to net income (ytd only)* | 60.8466% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 6,841 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 66.4394% | 3,762 |
| Net loans and leases to deposits | 78.0772% | 4,023 |
| Net loans and leases to core deposits | 84.9750% | 4,059 |
| Total domestic deposits to total assets | 85.0946% | 3,621 |
| Equity capital to assets | 7.4168% | 7,126 |
| Core capital (leverage) ratio | 7.3535% | 6,983 |
| Tier 1 risk-based capital ratio | 10.2348% | 6,862 |
| Total risk-based capital ratio | 11.2153% | 7,040 |
| Memoranda: | ||
| Average total assets | $111,925,000 | 4,824 |
| Average earning assets | $98,285,000 | 4,924 |
| Average equity | $8,170,000 | 5,782 |
| Average total loans | $74,801,500 | 4,688 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3005% | 1,026 |
| Cost of funding earning assets | 2.4797% | 1,073 |
| Net interest margin | 3.8209% | 3,619 |
| Noninterest income to average assets | 0.9342% | 1,813 |
| Noninterest expense to average assets | 3.6365% | 2,065 |
| Loan and lease loss provision to assets | 0.0953% | 6,657 |
| Net operating income to assets | 0.6730% | 3,044 |
| Return on assets (ROA) | 0.1296% | 5,172 |
| Pretax return on assets | 0.0562% | 5,306 |
| Return on Equity (ROE) | 1.7146% | 5,013 |
| Retained earnings to average equity (ytd only) | -4.0469% | 5,872 |
| Net charge-offs to loans | 0.0530% | 6,571 |
| Credit loss provision to net charge-offs | 263.1579% | 1,334 |
| Earnings coverage of net charge-offs (x) | 19.1842% | 1,094 |
| Efficiency ratio | 83.9569% | 2,355 |
| Assets per employee ($millions) | 3.3091% | 5,472 |
| Cash dividends to net income (ytd only)* | 336.0294% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 6,113 |
| Loan loss allowance to noncurrent loans | 19,725.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 6,843 |
| Noncurrent loans to loans | 0.0053% | 7,436 |
| Net loans and leases to total assets | 65.8291% | 4,197 |
| Net loans and leases to deposits | 77.8144% | 4,419 |
| Net loans and leases to core deposits | 110.0310% | 2,890 |
| Total domestic deposits to total assets | 84.5975% | 3,760 |
| Equity capital to assets | 7.1835% | 7,269 |
| Core capital (leverage) ratio | 7.4401% | 6,844 |
| Tier 1 risk-based capital ratio | 9.9771% | 6,892 |
| Total risk-based capital ratio | 10.9579% | 7,068 |
| Memoranda: | ||
| Average total assets | $104,908,200 | 4,962 |
| Average earning assets | $93,277,600 | 5,025 |
| Average equity | $7,932,000 | 5,945 |
| Average total loans | $71,750,800 | 4,809 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3557% | 1,017 |
| Cost of funding earning assets | 2.5539% | 1,147 |
| Net interest margin | 3.8018% | 3,648 |
| Noninterest income to average assets | 0.9086% | 1,947 |
| Noninterest expense to average assets | 3.7329% | 1,743 |
| Loan and lease loss provision to assets | 0.1165% | 6,201 |
| Net operating income to assets | 0.3265% | 4,693 |
| Return on assets (ROA) | -0.1307% | 5,974 |
| Pretax return on assets | -0.2679% | 6,062 |
| Return on Equity (ROE) | -1.7057% | 6,054 |
| Retained earnings to average equity (ytd only) | -7.2285% | 6,532 |
| Net charge-offs to loans | 0.1371% | 5,331 |
| Credit loss provision to net charge-offs | 123.2877% | 4,092 |
| Earnings coverage of net charge-offs (x) | 5.9590% | 2,697 |
| Efficiency ratio | 86.8936% | 1,974 |
| Assets per employee ($millions) | 3.0619% | 6,005 |
| Cash dividends to net income (ytd only)* | -323.7710% | 8,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 6,140 |
| Loan loss allowance to noncurrent loans | 151.5275% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 6,281 |
| Noncurrent loans to loans | 0.6757% | 5,949 |
| Net loans and leases to total assets | 69.0879% | 3,693 |
| Net loans and leases to deposits | 82.9191% | 3,844 |
| Net loans and leases to core deposits | 119.7915% | 2,262 |
| Total domestic deposits to total assets | 83.3197% | 4,055 |
| Equity capital to assets | 7.6413% | 7,197 |
| Core capital (leverage) ratio | 7.5581% | 6,910 |
| Tier 1 risk-based capital ratio | 10.4487% | 6,526 |
| Total risk-based capital ratio | 11.4339% | 6,736 |
| Memoranda: | ||
| Average total assets | $103,008,250 | 5,044 |
| Average earning assets | $91,778,250 | 5,105 |
| Average equity | $7,894,500 | 6,019 |
| Average total loans | $70,975,500 | 4,880 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3732% | 1,057 |
| Cost of funding earning assets | 2.5897% | 1,316 |
| Net interest margin | 3.7836% | 3,620 |
| Noninterest income to average assets | 0.8690% | 2,098 |
| Noninterest expense to average assets | 3.7587% | 1,729 |
| Loan and lease loss provision to assets | 0.1169% | 5,967 |
| Net operating income to assets | 0.2713% | 5,011 |
| Return on assets (ROA) | -0.4969% | 6,557 |
| Pretax return on assets | -0.6450% | 6,562 |
| Return on Equity (ROE) | -6.4767% | 6,756 |
| Retained earnings to average equity (ytd only) | -11.4295% | 7,002 |
| Net charge-offs to loans | 0.1647% | 4,565 |
| Credit loss provision to net charge-offs | 103.4483% | 4,435 |
| Earnings coverage of net charge-offs (x) | 4.1552% | 3,197 |
| Efficiency ratio | 88.8940% | 1,917 |
| Assets per employee ($millions) | 3.0379% | 6,031 |
| Cash dividends to net income (ytd only)* | -76.4706% | 8,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 6,026 |
| Loan loss allowance to noncurrent loans | 12,150.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 7,506 |
| Noncurrent loans to loans | 0.0085% | 7,542 |
| Net loans and leases to total assets | 67.8533% | 4,172 |
| Net loans and leases to deposits | 81.3806% | 4,326 |
| Net loans and leases to core deposits | 116.8590% | 2,638 |
| Total domestic deposits to total assets | 83.3777% | 4,077 |
| Equity capital to assets | 7.5371% | 7,230 |
| Core capital (leverage) ratio | 7.6236% | 6,869 |
| Tier 1 risk-based capital ratio | 10.0013% | 6,924 |
| Total risk-based capital ratio | 10.9278% | 7,193 |
| Memoranda: | ||
| Average total assets | $102,642,670 | 5,085 |
| Average earning assets | $91,131,330 | 5,155 |
| Average equity | $7,874,330 | 6,065 |
| Average total loans | $70,411,330 | 4,943 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4549% | 948 |
| Cost of funding earning assets | 2.6252% | 1,490 |
| Net interest margin | 3.8297% | 3,340 |
| Noninterest income to average assets | 0.8561% | 2,052 |
| Noninterest expense to average assets | 3.6474% | 1,758 |
| Loan and lease loss provision to assets | 0.1173% | 5,470 |
| Net operating income to assets | 0.5434% | 4,245 |
| Return on assets (ROA) | 0.5395% | 4,444 |
| Pretax return on assets | 0.4808% | 5,136 |
| Return on Equity (ROE) | 6.9706% | 3,608 |
| Retained earnings to average equity (ytd only) | -0.8587% | 5,855 |
| Net charge-offs to loans | 0.0114% | 5,457 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 535 |
| Efficiency ratio | 85.8326% | 2,089 |
| Assets per employee ($millions) | 2.9209% | 6,372 |
| Cash dividends to net income (ytd only)* | 112.3188% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 5,602 |
| Loan loss allowance to noncurrent loans | 466.0494% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 7,018 |
| Noncurrent loans to loans | 0.2321% | 6,869 |
| Net loans and leases to total assets | 67.5457% | 4,235 |
| Net loans and leases to deposits | 81.2782% | 4,407 |
| Net loans and leases to core deposits | 116.2701% | 2,775 |
| Total domestic deposits to total assets | 83.1043% | 4,092 |
| Equity capital to assets | 7.7783% | 7,096 |
| Core capital (leverage) ratio | 7.7106% | 6,876 |
| Tier 1 risk-based capital ratio | 10.4887% | 6,408 |
| Total risk-based capital ratio | 11.4909% | 6,582 |
| Memoranda: | ||
| Average total assets | $102,319,500 | 5,117 |
| Average earning assets | $90,659,500 | 5,199 |
| Average equity | $7,919,000 | 6,088 |
| Average total loans | $70,210,000 | 4,977 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2231% | 701 |
| Cost of funding earning assets | 3.2817% | 972 |
| Net interest margin | 3.9414% | 3,398 |
| Noninterest income to average assets | 0.9373% | 1,824 |
| Noninterest expense to average assets | 3.7106% | 1,940 |
| Loan and lease loss provision to assets | 0.1847% | 5,044 |
| Net operating income to assets | 0.4939% | 4,767 |
| Return on assets (ROA) | 0.5323% | 4,457 |
| Pretax return on assets | 0.5580% | 4,824 |
| Return on Equity (ROE) | 6.9482% | 3,559 |
| Retained earnings to average equity (ytd only) | 2.6297% | 3,551 |
| Net charge-offs to loans | 0.2662% | 3,625 |
| Credit loss provision to net charge-offs | 102.7473% | 5,189 |
| Earnings coverage of net charge-offs (x) | 3.9066% | 4,188 |
| Efficiency ratio | 84.0868% | 2,048 |
| Assets per employee ($millions) | 2.7677% | 6,644 |
| Cash dividends to net income (ytd only)* | 62.1521% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 5,777 |
| Loan loss allowance to noncurrent loans | 448.7654% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 6,871 |
| Noncurrent loans to loans | 0.2294% | 6,699 |
| Net loans and leases to total assets | 68.2421% | 4,419 |
| Net loans and leases to deposits | 82.3725% | 4,667 |
| Net loans and leases to core deposits | 115.1207% | 3,229 |
| Total domestic deposits to total assets | 82.8457% | 3,829 |
| Equity capital to assets | 7.7007% | 7,203 |
| Core capital (leverage) ratio | 7.8678% | 6,703 |
| Tier 1 risk-based capital ratio | 10.2905% | 6,434 |
| Total risk-based capital ratio | 11.2353% | 6,634 |
| Memoranda: | ||
| Average total assets | $101,249,200 | 5,012 |
| Average earning assets | $89,283,200 | 5,111 |
| Average equity | $7,757,400 | 6,185 |
| Average total loans | $68,364,200 | 4,930 |