Home > Cornerstone Community Bank > Performance and Condition Ratios
Cornerstone Community 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 | 5.2771% | 1,529 |
| Cost of funding earning assets | 1.3309% | 2,423 |
| Net interest margin | 3.9461% | 1,283 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.0060% | 3,609 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2717% | 1,488 |
| Return on assets (ROA) | 1.2717% | 1,460 |
| Pretax return on assets | 1.7651% | 932 |
| Return on Equity (ROE) | 15.9300% | 1,106 |
| Retained earnings to average equity (ytd only) | 14.7196% | 345 |
| Net charge-offs to loans | 0.0009% | 2,851 |
| Credit loss provision to net charge-offs | 13,250.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 2,863.2500% | 48 |
| Efficiency ratio | 52.0132% | 3,832 |
| Assets per employee ($millions) | 10.0458% | 697 |
| Cash dividends to net income (ytd only)* | 7.6239% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,269 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 74.1000% | 1,356 |
| Net loans and leases to deposits | 84.3199% | 1,750 |
| Net loans and leases to core deposits | 100.4116% | 1,409 |
| Total domestic deposits to total assets | 87.8800% | 1,395 |
| Equity capital to assets | 8.4930% | 3,061 |
| Core capital (leverage) ratio | 9.9246% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8275% | 2,295 |
| Memoranda: | ||
| Average total assets | $618,833,200 | 1,440 |
| Average earning assets | $567,644,200 | 1,446 |
| Average equity | $49,390,000 | 1,626 |
| Average total loans | $450,300,200 | 1,346 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1965% | 1,457 |
| Cost of funding earning assets | 1.2098% | 2,401 |
| Net interest margin | 3.9866% | 1,245 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.0110% | 3,572 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.2743% | 1,596 |
| Return on assets (ROA) | 1.2743% | 1,589 |
| Pretax return on assets | 1.7682% | 1,048 |
| Return on Equity (ROE) | 16.2400% | 1,214 |
| Retained earnings to average equity (ytd only) | 14.9921% | 555 |
| Net charge-offs to loans | 0.0012% | 2,571 |
| Credit loss provision to net charge-offs | 13,250.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 2,164.2500% | 66 |
| Efficiency ratio | 51.6369% | 3,784 |
| Assets per employee ($millions) | 9.5374% | 781 |
| Cash dividends to net income (ytd only)* | 7.6831% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,182 |
| Loan loss allowance to noncurrent loans | 2,538.4279% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,436 |
| Noncurrent loans to loans | 0.0487% | 3,406 |
| Net loans and leases to total assets | 73.7500% | 1,366 |
| Net loans and leases to deposits | 80.5821% | 1,998 |
| Net loans and leases to core deposits | 93.1916% | 1,718 |
| Total domestic deposits to total assets | 91.5200% | 554 |
| Equity capital to assets | 7.9378% | 3,096 |
| Core capital (leverage) ratio | 9.6201% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7753% | 2,357 |
| Memoranda: | ||
| Average total assets | $612,809,000 | 1,450 |
| Average earning assets | $562,265,750 | 1,455 |
| Average equity | $48,086,500 | 1,643 |
| Average total loans | $442,322,250 | 1,359 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 1,434 |
| Cost of funding earning assets | 1.1075% | 2,262 |
| Net interest margin | 3.9560% | 1,316 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.0025% | 3,593 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.2568% | 1,676 |
| Return on assets (ROA) | 1.2568% | 1,669 |
| Pretax return on assets | 1.7479% | 1,120 |
| Return on Equity (ROE) | 16.0800% | 1,254 |
| Retained earnings to average equity (ytd only) | 14.8167% | 580 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.8904% | 3,781 |
| Assets per employee ($millions) | 10.0384% | 661 |
| Cash dividends to net income (ytd only)* | 7.8616% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,149 |
| Loan loss allowance to noncurrent loans | 2,410.7296% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,405 |
| Noncurrent loans to loans | 0.0521% | 3,329 |
| Net loans and leases to total assets | 70.9700% | 1,634 |
| Net loans and leases to deposits | 77.5603% | 2,168 |
| Net loans and leases to core deposits | 89.1915% | 1,853 |
| Total domestic deposits to total assets | 91.5100% | 506 |
| Equity capital to assets | 7.9970% | 3,219 |
| Core capital (leverage) ratio | 9.5274% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8575% | 2,351 |
| Memoranda: | ||
| Average total assets | $607,255,667 | 1,461 |
| Average earning assets | $556,920,000 | 1,475 |
| Average equity | $47,460,000 | 1,662 |
| Average total loans | $433,076,333 | 1,367 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8992% | 1,409 |
| Cost of funding earning assets | 1.0281% | 1,954 |
| Net interest margin | 3.8711% | 1,538 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.0124% | 3,603 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.2126% | 1,899 |
| Return on assets (ROA) | 1.2126% | 1,859 |
| Pretax return on assets | 1.6869% | 1,295 |
| Return on Equity (ROE) | 15.7000% | 1,420 |
| Retained earnings to average equity (ytd only) | 14.4091% | 885 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.3416% | 3,669 |
| Assets per employee ($millions) | 11.4224% | 463 |
| Cash dividends to net income (ytd only)* | 8.2508% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,286 |
| Loan loss allowance to noncurrent loans | 2,316.3090% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,410 |
| Noncurrent loans to loans | 0.0540% | 3,351 |
| Net loans and leases to total assets | 69.0800% | 1,721 |
| Net loans and leases to deposits | 75.2787% | 2,182 |
| Net loans and leases to core deposits | 86.2742% | 1,848 |
| Total domestic deposits to total assets | 91.7600% | 579 |
| Equity capital to assets | 7.7557% | 3,410 |
| Core capital (leverage) ratio | 9.5545% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9546% | 2,408 |
| Memoranda: | ||
| Average total assets | $599,693,000 | 1,501 |
| Average earning assets | $550,536,500 | 1,519 |
| Average equity | $46,304,000 | 1,703 |
| Average total loans | $425,945,000 | 1,399 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 1,613 |
| Cost of funding earning assets | 0.4117% | 1,998 |
| Net interest margin | 3.6301% | 1,553 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.7144% | 4,152 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.3149% | 1,378 |
| Return on assets (ROA) | 1.3149% | 1,339 |
| Pretax return on assets | 1.8417% | 659 |
| Return on Equity (ROE) | 17.3700% | 800 |
| Retained earnings to average equity (ytd only) | 17.3680% | 157 |
| Net charge-offs to loans | 0.0033% | 2,358 |
| Credit loss provision to net charge-offs | 869.2308% | 472 |
| Earnings coverage of net charge-offs (x) | 842.1538% | 219 |
| Efficiency ratio | 47.9509% | 4,244 |
| Assets per employee ($millions) | 10.9920% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,258 |
| 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 | 71.2800% | 1,496 |
| Net loans and leases to deposits | 77.6126% | 1,989 |
| Net loans and leases to core deposits | 90.1443% | 1,495 |
| Total domestic deposits to total assets | 91.8400% | 679 |
| Equity capital to assets | 7.6848% | 3,267 |
| Core capital (leverage) ratio | 9.5073% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6596% | 2,503 |
| Memoranda: | ||
| Average total assets | $588,325,200 | 1,515 |
| Average earning assets | $548,222,600 | 1,506 |
| Average equity | $44,541,600 | 1,768 |
| Average total loans | $396,559,000 | 1,404 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 1,704 |
| Cost of funding earning assets | 0.2882% | 2,299 |
| Net interest margin | 3.5286% | 1,578 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.6594% | 4,225 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2861% | 1,402 |
| Return on assets (ROA) | 1.2861% | 1,368 |
| Pretax return on assets | 1.8068% | 724 |
| Return on Equity (ROE) | 17.0500% | 780 |
| Retained earnings to average equity (ytd only) | 17.0512% | 206 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.5235% | 4,304 |
| Assets per employee ($millions) | 10.9352% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,073 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.9400% | 1,794 |
| Net loans and leases to deposits | 72.4606% | 2,168 |
| Net loans and leases to core deposits | 81.3939% | 1,804 |
| Total domestic deposits to total assets | 92.3900% | 748 |
| Equity capital to assets | 7.1199% | 3,444 |
| Core capital (leverage) ratio | 9.0868% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3851% | 2,323 |
| Memoranda: | ||
| Average total assets | $589,762,000 | 1,515 |
| Average earning assets | $551,521,750 | 1,504 |
| Average equity | $44,484,500 | 1,790 |
| Average total loans | $390,595,000 | 1,410 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5732% | 1,921 |
| Cost of funding earning assets | 0.2244% | 2,590 |
| Net interest margin | 3.3487% | 1,763 |
| Noninterest income to average assets | 0.1920% | 4,040 |
| Noninterest expense to average assets | 1.5779% | 4,332 |
| Loan and lease loss provision to assets | 0.0248% | 2,152 |
| Net operating income to assets | 1.2308% | 1,327 |
| Return on assets (ROA) | 1.2308% | 1,307 |
| Pretax return on assets | 1.7279% | 702 |
| Return on Equity (ROE) | 16.0182% | 697 |
| Retained earnings to average equity (ytd only) | 16.0182% | 188 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3770% | 4,382 |
| Assets per employee ($millions) | 11.2619% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.2832% | 1,552 |
| Net loans and leases to deposits | 72.9600% | 1,961 |
| Net loans and leases to core deposits | 81.6821% | 1,611 |
| Total domestic deposits to total assets | 92.2194% | 753 |
| Equity capital to assets | 7.3285% | 3,583 |
| Core capital (leverage) ratio | 9.0097% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0049% | 2,496 |
| Memoranda: | ||
| Average total assets | $589,516,333 | 1,523 |
| Average earning assets | $552,509,333 | 1,511 |
| Average equity | $45,298,333 | 1,820 |
| Average total loans | $387,300,000 | 1,416 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 1,988 |
| Cost of funding earning assets | 0.1999% | 2,804 |
| Net interest margin | 3.2348% | 1,766 |
| Noninterest income to average assets | 0.1914% | 4,013 |
| Noninterest expense to average assets | 1.5142% | 4,409 |
| Loan and lease loss provision to assets | 0.0122% | 2,125 |
| Net operating income to assets | 1.2146% | 1,212 |
| Return on assets (ROA) | 1.2146% | 1,198 |
| Pretax return on assets | 1.7069% | 673 |
| Return on Equity (ROE) | 15.4531% | 591 |
| Retained earnings to average equity (ytd only) | 15.4531% | 264 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8312% | 4,460 |
| Assets per employee ($millions) | 11.8296% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 2,108 |
| 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 | 63.8823% | 1,638 |
| Net loans and leases to deposits | 69.4915% | 2,008 |
| Net loans and leases to core deposits | 78.5739% | 1,571 |
| Total domestic deposits to total assets | 91.9282% | 600 |
| Equity capital to assets | 7.7414% | 3,772 |
| Core capital (leverage) ratio | 8.6823% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2518% | 2,501 |
| Memoranda: | ||
| Average total assets | $591,464,500 | 1,523 |
| Average earning assets | $556,207,000 | 1,515 |
| Average equity | $46,489,000 | 1,837 |
| Average total loans | $381,372,000 | 1,426 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 1,753 |
| Cost of funding earning assets | 0.2118% | 3,349 |
| Net interest margin | 3.6343% | 1,380 |
| Noninterest income to average assets | 0.4597% | 2,768 |
| Noninterest expense to average assets | 1.4880% | 4,558 |
| Loan and lease loss provision to assets | 0.1931% | 571 |
| Net operating income to assets | 1.5637% | 889 |
| Return on assets (ROA) | 1.5571% | 925 |
| Pretax return on assets | 2.1892% | 424 |
| Return on Equity (ROE) | 19.1906% | 361 |
| Retained earnings to average equity (ytd only) | 19.1906% | 71 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3638% | 4,715 |
| Assets per employee ($millions) | 13.1148% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.3727% | 1,777 |
| Net loans and leases to deposits | 69.7247% | 2,160 |
| Net loans and leases to core deposits | 78.4471% | 1,727 |
| Total domestic deposits to total assets | 90.8900% | 532 |
| Equity capital to assets | 7.9739% | 4,376 |
| Core capital (leverage) ratio | 8.7991% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0785% | 2,602 |
| Memoranda: | ||
| Average total assets | $543,624,000 | 1,591 |
| Average earning assets | $511,408,200 | 1,573 |
| Average equity | $44,110,200 | 1,946 |
| Average total loans | $376,437,000 | 1,439 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 1,818 |
| Cost of funding earning assets | 0.2167% | 3,452 |
| Net interest margin | 3.6630% | 1,423 |
| Noninterest income to average assets | 0.5336% | 2,485 |
| Noninterest expense to average assets | 1.4778% | 4,616 |
| Loan and lease loss provision to assets | 0.2270% | 426 |
| Net operating income to assets | 1.6171% | 995 |
| Return on assets (ROA) | 1.6082% | 1,057 |
| Pretax return on assets | 2.2615% | 490 |
| Return on Equity (ROE) | 19.7220% | 445 |
| Retained earnings to average equity (ytd only) | 19.7220% | 141 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1521% | 4,790 |
| Assets per employee ($millions) | 13.2029% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.1810% | 1,169 |
| Net loans and leases to deposits | 76.6030% | 1,613 |
| Net loans and leases to core deposits | 87.1865% | 1,206 |
| Total domestic deposits to total assets | 90.3111% | 632 |
| Equity capital to assets | 8.3966% | 4,276 |
| Core capital (leverage) ratio | 8.6268% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9383% | 2,727 |
| Memoranda: | ||
| Average total assets | $528,710,000 | 1,640 |
| Average earning assets | $497,104,500 | 1,623 |
| Average equity | $43,111,500 | 2,002 |
| Average total loans | $373,702,750 | 1,473 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 2,059 |
| Cost of funding earning assets | 0.2225% | 3,536 |
| Net interest margin | 3.5802% | 1,635 |
| Noninterest income to average assets | 0.5314% | 2,482 |
| Noninterest expense to average assets | 1.4386% | 4,687 |
| Loan and lease loss provision to assets | 0.1923% | 584 |
| Net operating income to assets | 1.6137% | 1,027 |
| Return on assets (ROA) | 1.6001% | 1,106 |
| Pretax return on assets | 2.2495% | 526 |
| Return on Equity (ROE) | 19.8324% | 466 |
| Retained earnings to average equity (ytd only) | 19.8324% | 163 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9081% | 4,819 |
| Assets per employee ($millions) | 12.5175% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 73.4666% | 813 |
| Net loans and leases to deposits | 81.4747% | 1,278 |
| Net loans and leases to core deposits | 92.1490% | 997 |
| Total domestic deposits to total assets | 90.1711% | 692 |
| Equity capital to assets | 8.5072% | 4,196 |
| Core capital (leverage) ratio | 8.2815% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0646% | 2,702 |
| Memoranda: | ||
| Average total assets | $520,106,333 | 1,654 |
| Average earning assets | $489,029,667 | 1,640 |
| Average equity | $41,961,667 | 2,038 |
| Average total loans | $368,759,667 | 1,488 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 2,059 |
| Cost of funding earning assets | 0.2314% | 3,630 |
| Net interest margin | 3.5831% | 1,632 |
| Noninterest income to average assets | 0.7276% | 1,774 |
| Noninterest expense to average assets | 1.3408% | 4,790 |
| Loan and lease loss provision to assets | 0.3093% | 295 |
| Net operating income to assets | 1.7457% | 874 |
| Return on assets (ROA) | 1.7182% | 957 |
| Pretax return on assets | 2.4187% | 504 |
| Return on Equity (ROE) | 21.9024% | 400 |
| Retained earnings to average equity (ytd only) | 21.9024% | 209 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6738% | 4,889 |
| Assets per employee ($millions) | 12.4937% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 3,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.5373% | 1,222 |
| Net loans and leases to deposits | 77.9503% | 1,718 |
| Net loans and leases to core deposits | 88.5475% | 1,325 |
| Total domestic deposits to total assets | 90.4901% | 587 |
| Equity capital to assets | 7.8736% | 4,561 |
| Core capital (leverage) ratio | 8.1480% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4142% | 2,524 |
| Memoranda: | ||
| Average total assets | $517,292,500 | 1,649 |
| Average earning assets | $487,393,500 | 1,626 |
| Average equity | $40,580,000 | 2,065 |
| Average total loans | $357,765,500 | 1,534 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,089 |
| Cost of funding earning assets | 0.4813% | 3,072 |
| Net interest margin | 3.7346% | 1,690 |
| Noninterest income to average assets | 0.2959% | 3,715 |
| Noninterest expense to average assets | 1.7348% | 4,564 |
| Loan and lease loss provision to assets | 0.3896% | 824 |
| Net operating income to assets | 1.2018% | 1,551 |
| Return on assets (ROA) | 1.2193% | 1,600 |
| Pretax return on assets | 1.6703% | 904 |
| Return on Equity (ROE) | 15.0649% | 636 |
| Retained earnings to average equity (ytd only) | 14.7640% | 162 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9850% | 4,719 |
| Assets per employee ($millions) | 11.8418% | 329 |
| Cash dividends to net income (ytd only)* | 1.9972% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.9822% | 2,092 |
| Net loans and leases to deposits | 74.3593% | 2,450 |
| Net loans and leases to core deposits | 85.8314% | 1,884 |
| Total domestic deposits to total assets | 88.7342% | 1,102 |
| Equity capital to assets | 7.8135% | 4,769 |
| Core capital (leverage) ratio | 8.6110% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6949% | 2,734 |
| Memoranda: | ||
| Average total assets | $410,643,200 | 1,827 |
| Average earning assets | $382,285,800 | 1,822 |
| Average equity | $33,236,200 | 2,326 |
| Average total loans | $300,045,600 | 1,681 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 2,617 |
| Cost of funding earning assets | 0.5493% | 2,932 |
| Net interest margin | 3.5720% | 2,354 |
| Noninterest income to average assets | 0.2924% | 3,732 |
| Noninterest expense to average assets | 1.7900% | 4,515 |
| Loan and lease loss provision to assets | 0.5484% | 499 |
| Net operating income to assets | 0.9427% | 2,552 |
| Return on assets (ROA) | 0.9673% | 2,593 |
| Pretax return on assets | 1.2950% | 2,071 |
| Return on Equity (ROE) | 11.8208% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.4020% | 509 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6907% | 4,514 |
| Assets per employee ($millions) | 11.5543% | 349 |
| Cash dividends to net income (ytd only)* | 3.5436% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 2,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.7344% | 1,997 |
| Net loans and leases to deposits | 91.0592% | 1,153 |
| Net loans and leases to core deposits | 113.6826% | 569 |
| Total domestic deposits to total assets | 76.5814% | 4,373 |
| Equity capital to assets | 6.9331% | 4,959 |
| Core capital (leverage) ratio | 8.1441% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0330% | 2,912 |
| Memoranda: | ||
| Average total assets | $388,964,750 | 1,877 |
| Average earning assets | $360,429,000 | 1,883 |
| Average equity | $31,830,000 | 2,386 |
| Average total loans | $292,013,000 | 1,713 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 2,171 |
| Cost of funding earning assets | 0.6496% | 2,697 |
| Net interest margin | 3.7652% | 1,938 |
| Noninterest income to average assets | 0.3531% | 3,361 |
| Noninterest expense to average assets | 1.8455% | 4,491 |
| Loan and lease loss provision to assets | 0.8967% | 252 |
| Net operating income to assets | 0.8395% | 2,898 |
| Return on assets (ROA) | 0.8395% | 3,015 |
| Pretax return on assets | 1.0766% | 2,785 |
| Return on Equity (ROE) | 9.5949% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.2746% | 941 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3270% | 4,605 |
| Assets per employee ($millions) | 12.0742% | 314 |
| Cash dividends to net income (ytd only)* | 3.3378% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.8392% | 1,741 |
| Net loans and leases to deposits | 96.4601% | 759 |
| Net loans and leases to core deposits | 121.4064% | 393 |
| Total domestic deposits to total assets | 74.4755% | 4,561 |
| Equity capital to assets | 7.0381% | 4,967 |
| Core capital (leverage) ratio | 8.1612% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5369% | 2,800 |
| Memoranda: | ||
| Average total assets | $356,859,333 | 1,973 |
| Average earning assets | $328,484,667 | 1,980 |
| Average equity | $31,225,000 | 2,396 |
| Average total loans | $275,211,667 | 1,768 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0493% | 880 |
| Cost of funding earning assets | 0.8216% | 2,271 |
| Net interest margin | 4.2277% | 869 |
| Noninterest income to average assets | 0.5349% | 2,364 |
| Noninterest expense to average assets | 2.4742% | 3,349 |
| Loan and lease loss provision to assets | 1.8962% | 76 |
| Net operating income to assets | 0.1713% | 4,568 |
| Return on assets (ROA) | 0.1713% | 4,575 |
| Pretax return on assets | 0.0065% | 4,731 |
| Return on Equity (ROE) | 1.7073% | 4,510 |
| Retained earnings to average equity (ytd only) | 1.0557% | 3,728 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5282% | 4,157 |
| Assets per employee ($millions) | 8.9839% | 533 |
| Cash dividends to net income (ytd only)* | 38.1679% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.2146% | 1,264 |
| Net loans and leases to deposits | 91.9051% | 1,291 |
| Net loans and leases to core deposits | 119.1696% | 493 |
| Total domestic deposits to total assets | 82.9275% | 3,136 |
| Equity capital to assets | 9.5303% | 4,184 |
| Core capital (leverage) ratio | 10.0993% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2978% | 3,006 |
| Memoranda: | ||
| Average total assets | $305,880,000 | 2,168 |
| Average earning assets | $277,979,000 | 2,210 |
| Average equity | $30,691,500 | 2,419 |
| Average total loans | $246,007,500 | 1,892 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 552 |
| Cost of funding earning assets | 1.0184% | 1,644 |
| Net interest margin | 4.4924% | 723 |
| Noninterest income to average assets | 0.4464% | 3,020 |
| Noninterest expense to average assets | 2.4870% | 3,489 |
| Loan and lease loss provision to assets | 0.1202% | 1,767 |
| Net operating income to assets | 1.3379% | 1,551 |
| Return on assets (ROA) | 1.3379% | 1,627 |
| Pretax return on assets | 1.8511% | 835 |
| Return on Equity (ROE) | 13.2153% | 1,110 |
| Retained earnings to average equity (ytd only) | 12.6916% | 185 |
| Net charge-offs to loans | 0.0370% | 2,645 |
| Credit loss provision to net charge-offs | 409.6386% | 698 |
| Earnings coverage of net charge-offs (x) | 67.1928% | 907 |
| Efficiency ratio | 55.7837% | 4,230 |
| Assets per employee ($millions) | 7.7929% | 769 |
| Cash dividends to net income (ytd only)* | 3.9630% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.9763% | 432 |
| Net loans and leases to deposits | 94.3631% | 1,122 |
| Net loans and leases to core deposits | 120.1419% | 474 |
| Total domestic deposits to total assets | 87.9330% | 1,156 |
| Equity capital to assets | 10.5986% | 3,347 |
| Core capital (leverage) ratio | 10.0525% | 3,457 |
| Tier 1 risk-based capital ratio | 11.5193% | 4,619 |
| Total risk-based capital ratio | 12.4587% | 4,668 |
| Memoranda: | ||
| Average total assets | $282,908,800 | 2,263 |
| Average earning assets | $252,649,800 | 2,317 |
| Average equity | $28,641,000 | 2,464 |
| Average total loans | $224,201,800 | 2,000 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4956% | 589 |
| Cost of funding earning assets | 1.0196% | 1,681 |
| Net interest margin | 4.4760% | 809 |
| Noninterest income to average assets | 0.4958% | 2,756 |
| Noninterest expense to average assets | 2.4881% | 3,472 |
| Loan and lease loss provision to assets | 0.1137% | 1,710 |
| Net operating income to assets | 1.3359% | 1,695 |
| Return on assets (ROA) | 1.3359% | 1,770 |
| Pretax return on assets | 1.8814% | 906 |
| Return on Equity (ROE) | 13.3561% | 1,157 |
| Retained earnings to average equity (ytd only) | 12.6459% | 313 |
| Net charge-offs to loans | 0.0455% | 2,187 |
| Credit loss provision to net charge-offs | 320.0000% | 916 |
| Earnings coverage of net charge-offs (x) | 56.1719% | 1,106 |
| Efficiency ratio | 55.4980% | 4,215 |
| Assets per employee ($millions) | 7.8074% | 742 |
| Cash dividends to net income (ytd only)* | 5.3174% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,604 |
| Loan loss allowance to noncurrent loans | 7,240.6250% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,708 |
| Noncurrent loans to loans | 0.0137% | 4,615 |
| Net loans and leases to total assets | 75.8730% | 1,505 |
| Net loans and leases to deposits | 85.4569% | 2,265 |
| Net loans and leases to core deposits | 107.9198% | 1,058 |
| Total domestic deposits to total assets | 88.7851% | 696 |
| Equity capital to assets | 9.7186% | 4,277 |
| Core capital (leverage) ratio | 10.0259% | 3,618 |
| Tier 1 risk-based capital ratio | 11.4429% | 4,696 |
| Total risk-based capital ratio | 12.3717% | 4,745 |
| Memoranda: | ||
| Average total assets | $281,551,250 | 2,284 |
| Average earning assets | $250,810,500 | 2,352 |
| Average equity | $28,161,250 | 2,507 |
| Average total loans | $219,836,750 | 2,044 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5351% | 533 |
| Cost of funding earning assets | 1.0072% | 1,664 |
| Net interest margin | 4.5279% | 720 |
| Noninterest income to average assets | 0.6053% | 2,124 |
| Noninterest expense to average assets | 2.5659% | 3,287 |
| Loan and lease loss provision to assets | 0.1460% | 1,263 |
| Net operating income to assets | 1.3581% | 1,546 |
| Return on assets (ROA) | 1.3581% | 1,612 |
| Pretax return on assets | 1.9145% | 810 |
| Return on Equity (ROE) | 13.4372% | 1,113 |
| Retained earnings to average equity (ytd only) | 12.7148% | 329 |
| Net charge-offs to loans | 0.0065% | 2,921 |
| Credit loss provision to net charge-offs | 2,857.1429% | 134 |
| Earnings coverage of net charge-offs (x) | 403.1429% | 193 |
| Efficiency ratio | 55.4609% | 4,313 |
| Assets per employee ($millions) | 7.4191% | 845 |
| Cash dividends to net income (ytd only)* | 5.3763% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,308 |
| Loan loss allowance to noncurrent loans | 2,368.6869% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 4,601 |
| Noncurrent loans to loans | 0.0446% | 4,487 |
| Net loans and leases to total assets | 75.9839% | 1,549 |
| Net loans and leases to deposits | 85.7642% | 2,283 |
| Net loans and leases to core deposits | 108.9989% | 1,034 |
| Total domestic deposits to total assets | 88.5962% | 831 |
| Equity capital to assets | 9.9045% | 4,059 |
| Core capital (leverage) ratio | 10.5259% | 3,058 |
| Tier 1 risk-based capital ratio | 11.1936% | 4,836 |
| Total risk-based capital ratio | 12.1430% | 4,874 |
| Memoranda: | ||
| Average total assets | $273,905,330 | 2,336 |
| Average earning assets | $243,248,000 | 2,408 |
| Average equity | $27,684,330 | 2,522 |
| Average total loans | $215,335,000 | 2,078 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5329% | 494 |
| Cost of funding earning assets | 1.0075% | 1,540 |
| Net interest margin | 4.5254% | 703 |
| Noninterest income to average assets | 0.5094% | 2,499 |
| Noninterest expense to average assets | 2.6282% | 3,129 |
| Loan and lease loss provision to assets | 0.1352% | 1,280 |
| Net operating income to assets | 1.3013% | 1,692 |
| Return on assets (ROA) | 1.3013% | 1,731 |
| Pretax return on assets | 1.8363% | 894 |
| Return on Equity (ROE) | 12.7365% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.0011% | 607 |
| Net charge-offs to loans | 0.0132% | 2,232 |
| Credit loss provision to net charge-offs | 1,285.7143% | 301 |
| Earnings coverage of net charge-offs (x) | 187.4286% | 415 |
| Efficiency ratio | 57.1382% | 4,198 |
| Assets per employee ($millions) | 6.6507% | 1,168 |
| Cash dividends to net income (ytd only)* | 5.7737% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 79.7815% | 867 |
| Net loans and leases to deposits | 91.8037% | 1,424 |
| Net loans and leases to core deposits | 116.8651% | 621 |
| Total domestic deposits to total assets | 86.9044% | 1,862 |
| Equity capital to assets | 10.3880% | 3,431 |
| Core capital (leverage) ratio | 10.3861% | 3,178 |
| Tier 1 risk-based capital ratio | 11.7230% | 4,609 |
| Total risk-based capital ratio | 12.7058% | 4,665 |
| Memoranda: | ||
| Average total assets | $266,186,500 | 2,396 |
| Average earning assets | $240,597,000 | 2,448 |
| Average equity | $27,197,500 | 2,558 |
| Average total loans | $211,903,000 | 2,122 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2048% | 694 |
| Cost of funding earning assets | 0.7966% | 1,540 |
| Net interest margin | 4.4081% | 917 |
| Noninterest income to average assets | 0.3014% | 4,089 |
| Noninterest expense to average assets | 2.6027% | 3,326 |
| Loan and lease loss provision to assets | 0.1252% | 1,757 |
| Net operating income to assets | 1.2562% | 1,957 |
| Return on assets (ROA) | 1.2562% | 1,952 |
| Pretax return on assets | 1.6398% | 1,345 |
| Return on Equity (ROE) | 12.5224% | 1,535 |
| Retained earnings to average equity (ytd only) | 9.4938% | 738 |
| Net charge-offs to loans | 0.0025% | 3,648 |
| Credit loss provision to net charge-offs | 6,180.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 871.4000% | 122 |
| Efficiency ratio | 59.5901% | 3,930 |
| Assets per employee ($millions) | 6.8294% | 1,056 |
| Cash dividends to net income (ytd only)* | 24.1857% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.7856% | 1,304 |
| Net loans and leases to deposits | 89.1153% | 1,915 |
| Net loans and leases to core deposits | 114.8749% | 741 |
| Total domestic deposits to total assets | 87.2864% | 1,647 |
| Equity capital to assets | 10.0471% | 3,635 |
| Core capital (leverage) ratio | 10.3227% | 3,227 |
| Tier 1 risk-based capital ratio | 11.8110% | 4,560 |
| Total risk-based capital ratio | 12.7959% | 4,605 |
| Memoranda: | ||
| Average total assets | $246,862,200 | 2,490 |
| Average earning assets | $227,715,000 | 2,497 |
| Average equity | $24,763,600 | 2,658 |
| Average total loans | $196,232,800 | 2,198 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 725 |
| Cost of funding earning assets | 0.7578% | 1,548 |
| Net interest margin | 4.3635% | 982 |
| Noninterest income to average assets | 0.3146% | 4,048 |
| Noninterest expense to average assets | 2.6182% | 3,233 |
| Loan and lease loss provision to assets | 0.0986% | 2,020 |
| Net operating income to assets | 1.1780% | 2,328 |
| Return on assets (ROA) | 1.1780% | 2,332 |
| Pretax return on assets | 1.6430% | 1,437 |
| Return on Equity (ROE) | 11.7480% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.9238% | 662 |
| Net charge-offs to loans | 0.0035% | 3,342 |
| Credit loss provision to net charge-offs | 3,580.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 631.8681% | 139 |
| Efficiency ratio | 60.0531% | 3,811 |
| Assets per employee ($millions) | 6.5002% | 1,187 |
| Cash dividends to net income (ytd only)* | 7.0161% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 79.0023% | 1,166 |
| Net loans and leases to deposits | 91.0363% | 1,750 |
| Net loans and leases to core deposits | 116.2866% | 702 |
| Total domestic deposits to total assets | 86.7811% | 1,831 |
| Equity capital to assets | 10.3894% | 3,247 |
| Core capital (leverage) ratio | 10.4872% | 3,098 |
| Tier 1 risk-based capital ratio | 11.8974% | 4,557 |
| Total risk-based capital ratio | 12.8458% | 4,625 |
| Memoranda: | ||
| Average total assets | $241,991,500 | 2,539 |
| Average earning assets | $224,340,750 | 2,542 |
| Average equity | $24,264,500 | 2,714 |
| Average total loans | $192,958,500 | 2,237 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 762 |
| Cost of funding earning assets | 0.7104% | 1,566 |
| Net interest margin | 4.3231% | 996 |
| Noninterest income to average assets | 0.2889% | 4,254 |
| Noninterest expense to average assets | 2.6093% | 3,300 |
| Loan and lease loss provision to assets | 0.0873% | 2,173 |
| Net operating income to assets | 1.1640% | 2,332 |
| Return on assets (ROA) | 1.1640% | 2,336 |
| Pretax return on assets | 1.6091% | 1,477 |
| Return on Equity (ROE) | 11.7591% | 1,817 |
| Retained earnings to average equity (ytd only) | 10.9106% | 687 |
| Net charge-offs to loans | 0.0053% | 2,976 |
| Credit loss provision to net charge-offs | 2,080.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 404.0000% | 231 |
| Efficiency ratio | 60.6007% | 3,836 |
| Assets per employee ($millions) | 6.6147% | 1,124 |
| Cash dividends to net income (ytd only)* | 7.2150% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.4653% | 1,244 |
| Net loans and leases to deposits | 90.5409% | 1,776 |
| Net loans and leases to core deposits | 117.4729% | 657 |
| Total domestic deposits to total assets | 86.6629% | 1,988 |
| Equity capital to assets | 10.4640% | 3,162 |
| Core capital (leverage) ratio | 10.7194% | 2,787 |
| Tier 1 risk-based capital ratio | 11.8724% | 4,573 |
| Total risk-based capital ratio | 12.8112% | 4,647 |
| Memoranda: | ||
| Average total assets | $238,152,330 | 2,577 |
| Average earning assets | $221,277,000 | 2,576 |
| Average equity | $23,573,330 | 2,788 |
| Average total loans | $189,844,670 | 2,267 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 802 |
| Cost of funding earning assets | 0.6864% | 1,515 |
| Net interest margin | 4.2503% | 1,047 |
| Noninterest income to average assets | 0.2946% | 4,190 |
| Noninterest expense to average assets | 2.6791% | 3,101 |
| Loan and lease loss provision to assets | 0.1090% | 1,715 |
| Net operating income to assets | 1.0917% | 2,460 |
| Return on assets (ROA) | 1.0917% | 2,474 |
| Pretax return on assets | 1.4613% | 1,799 |
| Return on Equity (ROE) | 11.3678% | 1,821 |
| Retained earnings to average equity (ytd only) | 10.4810% | 1,020 |
| Net charge-offs to loans | 0.0107% | 2,360 |
| Credit loss provision to net charge-offs | 1,280.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 184.4000% | 357 |
| Efficiency ratio | 63.0461% | 3,628 |
| Assets per employee ($millions) | 6.5048% | 1,195 |
| Cash dividends to net income (ytd only)* | 7.8003% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.4559% | 1,166 |
| Net loans and leases to deposits | 90.8210% | 1,578 |
| Net loans and leases to core deposits | 116.9491% | 695 |
| Total domestic deposits to total assets | 86.3851% | 2,370 |
| Equity capital to assets | 9.4828% | 4,106 |
| Core capital (leverage) ratio | 9.7635% | 3,791 |
| Tier 1 risk-based capital ratio | 10.9703% | 5,143 |
| Total risk-based capital ratio | 11.9256% | 5,186 |
| Memoranda: | ||
| Average total assets | $234,856,000 | 2,627 |
| Average earning assets | $218,527,500 | 2,627 |
| Average equity | $22,555,000 | 2,905 |
| Average total loans | $187,773,500 | 2,299 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 791 |
| Cost of funding earning assets | 0.6158% | 1,499 |
| Net interest margin | 4.2866% | 989 |
| Noninterest income to average assets | 0.5986% | 2,457 |
| Noninterest expense to average assets | 2.6581% | 3,262 |
| Loan and lease loss provision to assets | 0.1017% | 2,194 |
| Net operating income to assets | 0.8998% | 2,708 |
| Return on assets (ROA) | 0.8998% | 2,741 |
| Pretax return on assets | 1.8477% | 695 |
| Return on Equity (ROE) | 8.8988% | 2,356 |
| Retained earnings to average equity (ytd only) | 7.8466% | 816 |
| Net charge-offs to loans | -0.0059% | 4,669 |
| Credit loss provision to net charge-offs | -2,150.0000% | 5,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6911% | 4,564 |
| Assets per employee ($millions) | 6.0272% | 1,501 |
| Cash dividends to net income (ytd only)* | 11.8234% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.8860% | 976 |
| Net loans and leases to deposits | 92.9181% | 1,396 |
| Net loans and leases to core deposits | 121.2876% | 547 |
| Total domestic deposits to total assets | 85.9746% | 2,452 |
| Equity capital to assets | 9.7309% | 3,989 |
| Core capital (leverage) ratio | 9.7132% | 3,797 |
| Tier 1 risk-based capital ratio | 11.0041% | 5,144 |
| Total risk-based capital ratio | 11.9596% | 5,184 |
| Memoranda: | ||
| Average total assets | $211,501,200 | 2,805 |
| Average earning assets | $197,802,000 | 2,792 |
| Average equity | $21,385,000 | 3,007 |
| Average total loans | $168,818,600 | 2,432 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 879 |
| Cost of funding earning assets | 0.5981% | 1,537 |
| Net interest margin | 4.2278% | 1,089 |
| Noninterest income to average assets | 0.6521% | 2,199 |
| Noninterest expense to average assets | 2.6696% | 3,168 |
| Loan and lease loss provision to assets | 0.1384% | 1,548 |
| Net operating income to assets | 1.0641% | 2,261 |
| Return on assets (ROA) | 1.0641% | 2,300 |
| Pretax return on assets | 1.8076% | 873 |
| Return on Equity (ROE) | 10.4158% | 1,943 |
| Retained earnings to average equity (ytd only) | 8.9981% | 840 |
| Net charge-offs to loans | -0.0081% | 4,573 |
| Credit loss provision to net charge-offs | -2,150.0000% | 5,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8382% | 4,528 |
| Assets per employee ($millions) | 6.0433% | 1,460 |
| Cash dividends to net income (ytd only)* | 13.6115% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 3,700 |
| Loan loss allowance to noncurrent loans | 61,600.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,275 |
| Noncurrent loans to loans | 0.0017% | 5,158 |
| Net loans and leases to total assets | 76.7456% | 1,462 |
| Net loans and leases to deposits | 89.5380% | 1,867 |
| Net loans and leases to core deposits | 116.9706% | 710 |
| Total domestic deposits to total assets | 85.7129% | 2,424 |
| Equity capital to assets | 9.8457% | 4,091 |
| Core capital (leverage) ratio | 10.0567% | 3,497 |
| Tier 1 risk-based capital ratio | 11.1520% | 5,159 |
| Total risk-based capital ratio | 12.1318% | 5,205 |
| Memoranda: | ||
| Average total assets | $207,118,000 | 2,876 |
| Average earning assets | $194,168,500 | 2,847 |
| Average equity | $21,159,500 | 3,045 |
| Average total loans | $164,819,750 | 2,495 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 934 |
| Cost of funding earning assets | 0.5835% | 1,554 |
| Net interest margin | 4.1816% | 1,116 |
| Noninterest income to average assets | 0.6081% | 2,420 |
| Noninterest expense to average assets | 2.6525% | 3,256 |
| Loan and lease loss provision to assets | 0.1488% | 1,364 |
| Net operating income to assets | 1.0197% | 2,332 |
| Return on assets (ROA) | 1.0197% | 2,377 |
| Pretax return on assets | 1.7309% | 985 |
| Return on Equity (ROE) | 9.8494% | 2,100 |
| Retained earnings to average equity (ytd only) | 8.4122% | 1,027 |
| Net charge-offs to loans | -0.0062% | 4,386 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5248% | 4,528 |
| Assets per employee ($millions) | 5.6910% | 1,710 |
| Cash dividends to net income (ytd only)* | 14.5914% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,928 |
| Loan loss allowance to noncurrent loans | 44,450.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,317 |
| Noncurrent loans to loans | 0.0023% | 5,198 |
| Net loans and leases to total assets | 80.6849% | 855 |
| Net loans and leases to deposits | 94.7377% | 1,199 |
| Net loans and leases to core deposits | 126.7022% | 372 |
| Total domestic deposits to total assets | 85.1666% | 2,745 |
| Equity capital to assets | 10.1579% | 3,724 |
| Core capital (leverage) ratio | 10.3332% | 3,099 |
| Tier 1 risk-based capital ratio | 11.1993% | 5,140 |
| Total risk-based capital ratio | 12.1758% | 5,196 |
| Memoranda: | ||
| Average total assets | $201,623,670 | 2,952 |
| Average earning assets | $189,211,330 | 2,917 |
| Average equity | $20,874,330 | 3,073 |
| Average total loans | $161,942,330 | 2,531 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 1,085 |
| Cost of funding earning assets | 0.5776% | 1,527 |
| Net interest margin | 4.0454% | 1,358 |
| Noninterest income to average assets | 0.7832% | 1,614 |
| Noninterest expense to average assets | 2.7228% | 3,060 |
| Loan and lease loss provision to assets | 0.3043% | 438 |
| Net operating income to assets | 0.9211% | 2,660 |
| Return on assets (ROA) | 0.9211% | 2,715 |
| Pretax return on assets | 1.5643% | 1,325 |
| Return on Equity (ROE) | 8.8083% | 2,507 |
| Retained earnings to average equity (ytd only) | 7.3532% | 1,716 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3018% | 4,560 |
| Assets per employee ($millions) | 6.4502% | 1,212 |
| Cash dividends to net income (ytd only)* | 16.5198% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,659 |
| Loan loss allowance to noncurrent loans | 22,162.5000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 5,358 |
| Noncurrent loans to loans | 0.0050% | 5,249 |
| Net loans and leases to total assets | 79.0153% | 981 |
| Net loans and leases to deposits | 95.0192% | 1,010 |
| Net loans and leases to core deposits | 121.7650% | 419 |
| Total domestic deposits to total assets | 83.1572% | 3,780 |
| Equity capital to assets | 10.4213% | 3,267 |
| Core capital (leverage) ratio | 10.4171% | 2,995 |
| Tier 1 risk-based capital ratio | 11.9955% | 4,724 |
| Total risk-based capital ratio | 13.0647% | 4,746 |
| Memoranda: | ||
| Average total assets | $197,152,500 | 3,023 |
| Average earning assets | $185,593,000 | 2,988 |
| Average equity | $20,617,000 | 3,112 |
| Average total loans | $157,077,000 | 2,617 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 1,244 |
| Cost of funding earning assets | 0.5573% | 1,622 |
| Net interest margin | 4.0578% | 1,474 |
| Noninterest income to average assets | 0.4367% | 3,641 |
| Noninterest expense to average assets | 2.7827% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8762% | 2,951 |
| Return on assets (ROA) | 0.8762% | 3,061 |
| Pretax return on assets | 1.4867% | 1,630 |
| Return on Equity (ROE) | 8.0966% | 2,887 |
| Retained earnings to average equity (ytd only) | 4.4574% | 2,739 |
| Net charge-offs to loans | -0.0021% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1781% | 3,735 |
| Assets per employee ($millions) | 6.2694% | 1,281 |
| Cash dividends to net income (ytd only)* | 44.9473% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 4,004 |
| Loan loss allowance to noncurrent loans | 14,754.5455% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,404 |
| Noncurrent loans to loans | 0.0071% | 5,277 |
| Net loans and leases to total assets | 78.6020% | 1,105 |
| Net loans and leases to deposits | 94.7379% | 1,118 |
| Net loans and leases to core deposits | 122.1938% | 424 |
| Total domestic deposits to total assets | 82.9678% | 3,780 |
| Equity capital to assets | 10.4945% | 3,161 |
| Core capital (leverage) ratio | 10.4129% | 2,972 |
| Tier 1 risk-based capital ratio | 11.7712% | 4,878 |
| Total risk-based capital ratio | 12.7572% | 4,954 |
| Memoranda: | ||
| Average total assets | $184,100,400 | 3,119 |
| Average earning assets | $173,885,600 | 3,068 |
| Average equity | $19,922,000 | 3,176 |
| Average total loans | $144,903,800 | 2,714 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 1,407 |
| Cost of funding earning assets | 0.5519% | 1,673 |
| Net interest margin | 3.9971% | 1,661 |
| Noninterest income to average assets | 0.3937% | 3,966 |
| Noninterest expense to average assets | 2.8100% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8020% | 3,354 |
| Return on assets (ROA) | 0.8020% | 3,498 |
| Pretax return on assets | 1.3602% | 2,194 |
| Return on Equity (ROE) | 7.3520% | 3,379 |
| Retained earnings to average equity (ytd only) | 2.9758% | 4,128 |
| Net charge-offs to loans | -0.0009% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3829% | 3,339 |
| Assets per employee ($millions) | 6.1102% | 1,346 |
| Cash dividends to net income (ytd only)* | 59.5243% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,840 |
| Loan loss allowance to noncurrent loans | 10,131.2500% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 5,498 |
| Noncurrent loans to loans | 0.0108% | 5,362 |
| Net loans and leases to total assets | 74.5963% | 1,774 |
| Net loans and leases to deposits | 89.6428% | 1,805 |
| Net loans and leases to core deposits | 110.0783% | 905 |
| Total domestic deposits to total assets | 83.2151% | 3,509 |
| Equity capital to assets | 10.2462% | 3,861 |
| Core capital (leverage) ratio | 10.5351% | 2,959 |
| Tier 1 risk-based capital ratio | 12.0380% | 4,768 |
| Total risk-based capital ratio | 13.0699% | 4,800 |
| Memoranda: | ||
| Average total assets | $181,538,000 | 3,162 |
| Average earning assets | $171,520,500 | 3,106 |
| Average equity | $19,803,500 | 3,213 |
| Average total loans | $142,533,250 | 2,748 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,289 |
| Cost of funding earning assets | 0.5607% | 1,611 |
| Net interest margin | 4.0277% | 1,562 |
| Noninterest income to average assets | 0.4466% | 3,547 |
| Noninterest expense to average assets | 2.9230% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7813% | 3,396 |
| Return on assets (ROA) | 0.7813% | 3,538 |
| Pretax return on assets | 1.3252% | 2,304 |
| Return on Equity (ROE) | 7.0057% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.4850% | 2,428 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8049% | 3,191 |
| Assets per employee ($millions) | 6.1542% | 1,299 |
| Cash dividends to net income (ytd only)* | 21.7077% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,894 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 5,582 |
| Noncurrent loans to loans | 0.0123% | 5,447 |
| Net loans and leases to total assets | 80.8637% | 776 |
| Net loans and leases to deposits | 99.0732% | 777 |
| Net loans and leases to core deposits | 124.9926% | 390 |
| Total domestic deposits to total assets | 81.6201% | 4,111 |
| Equity capital to assets | 11.2640% | 2,785 |
| Core capital (leverage) ratio | 11.2665% | 2,176 |
| Tier 1 risk-based capital ratio | 12.4486% | 4,556 |
| Total risk-based capital ratio | 13.5111% | 4,588 |
| Memoranda: | ||
| Average total assets | $176,875,000 | 3,227 |
| Average earning assets | $166,943,330 | 3,184 |
| Average equity | $19,726,670 | 3,230 |
| Average total loans | $140,885,330 | 2,773 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5081% | 1,484 |
| Cost of funding earning assets | 0.5692% | 1,550 |
| Net interest margin | 3.9389% | 1,815 |
| Noninterest income to average assets | 0.2862% | 4,677 |
| Noninterest expense to average assets | 2.9737% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6043% | 4,160 |
| Return on assets (ROA) | 0.6043% | 4,280 |
| Pretax return on assets | 1.0223% | 3,396 |
| Return on Equity (ROE) | 5.4457% | 4,257 |
| Retained earnings to average equity (ytd only) | 3.9102% | 3,539 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4173% | 2,408 |
| Assets per employee ($millions) | 5.8318% | 1,550 |
| Cash dividends to net income (ytd only)* | 28.1955% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,717 |
| Loan loss allowance to noncurrent loans | 7,043.4783% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 4,733 |
| Noncurrent loans to loans | 0.0165% | 5,446 |
| Net loans and leases to total assets | 76.3559% | 1,335 |
| Net loans and leases to deposits | 94.8768% | 1,054 |
| Net loans and leases to core deposits | 115.7423% | 603 |
| Total domestic deposits to total assets | 80.4790% | 4,640 |
| Equity capital to assets | 10.8737% | 3,081 |
| Core capital (leverage) ratio | 11.0461% | 2,363 |
| Tier 1 risk-based capital ratio | 12.7628% | 4,422 |
| Total risk-based capital ratio | 13.8729% | 4,417 |
| Memoranda: | ||
| Average total assets | $176,076,500 | 3,248 |
| Average earning assets | $165,834,000 | 3,203 |
| Average equity | $19,538,500 | 3,250 |
| Average total loans | $138,358,500 | 2,815 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 1,311 |
| Cost of funding earning assets | 0.4885% | 2,276 |
| Net interest margin | 4.1200% | 1,363 |
| Noninterest income to average assets | 0.5655% | 2,930 |
| Noninterest expense to average assets | 3.2358% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7098% | 3,766 |
| Return on assets (ROA) | 0.7098% | 3,874 |
| Pretax return on assets | 1.2055% | 2,640 |
| Return on Equity (ROE) | 6.5805% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.4132% | 1,593 |
| Net charge-offs to loans | -0.0113% | 5,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8566% | 2,761 |
| Assets per employee ($millions) | 5.5287% | 1,769 |
| Cash dividends to net income (ytd only)* | 2.5424% | 4,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 3,579 |
| Loan loss allowance to noncurrent loans | 5,225.8065% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 4,697 |
| Noncurrent loans to loans | 0.0226% | 5,424 |
| Net loans and leases to total assets | 79.0227% | 985 |
| Net loans and leases to deposits | 99.3719% | 726 |
| Net loans and leases to core deposits | 122.3073% | 420 |
| Total domestic deposits to total assets | 79.5221% | 4,863 |
| Equity capital to assets | 11.3303% | 2,514 |
| Core capital (leverage) ratio | 11.1219% | 2,288 |
| Tier 1 risk-based capital ratio | 12.7477% | 4,479 |
| Total risk-based capital ratio | 13.8687% | 4,453 |
| Memoranda: | ||
| Average total assets | $166,234,800 | 3,361 |
| Average earning assets | $156,382,400 | 3,309 |
| Average equity | $17,931,800 | 3,390 |
| Average total loans | $132,685,400 | 2,848 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 1,352 |
| Cost of funding earning assets | 0.4578% | 2,611 |
| Net interest margin | 4.1329% | 1,320 |
| Noninterest income to average assets | 0.7420% | 2,057 |
| Noninterest expense to average assets | 3.3012% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7833% | 3,504 |
| Return on assets (ROA) | 0.7833% | 3,592 |
| Pretax return on assets | 1.3305% | 2,283 |
| Return on Equity (ROE) | 7.3575% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.1297% | 1,627 |
| Net charge-offs to loans | -0.0081% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2740% | 2,997 |
| Assets per employee ($millions) | 5.5589% | 1,724 |
| Cash dividends to net income (ytd only)* | 3.0960% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,811 |
| Loan loss allowance to noncurrent loans | 4,744.1176% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 4,646 |
| Noncurrent loans to loans | 0.0247% | 5,538 |
| Net loans and leases to total assets | 78.9847% | 956 |
| Net loans and leases to deposits | 99.0287% | 723 |
| Net loans and leases to core deposits | 123.8485% | 382 |
| Total domestic deposits to total assets | 79.7594% | 4,796 |
| Equity capital to assets | 11.1567% | 2,841 |
| Core capital (leverage) ratio | 11.0364% | 2,447 |
| Tier 1 risk-based capital ratio | 12.3935% | 4,828 |
| Total risk-based capital ratio | 13.4765% | 4,843 |
| Memoranda: | ||
| Average total assets | $164,946,000 | 3,408 |
| Average earning assets | $155,239,500 | 3,352 |
| Average equity | $17,560,000 | 3,471 |
| Average total loans | $131,592,500 | 2,877 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 1,403 |
| Cost of funding earning assets | 0.4089% | 3,174 |
| Net interest margin | 4.1411% | 1,251 |
| Noninterest income to average assets | 0.4727% | 3,544 |
| Noninterest expense to average assets | 3.2667% | 1,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6524% | 4,112 |
| Return on assets (ROA) | 0.6524% | 4,222 |
| Pretax return on assets | 1.1078% | 3,137 |
| Return on Equity (ROE) | 6.2336% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.8807% | 2,313 |
| Net charge-offs to loans | -0.0108% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6764% | 2,579 |
| Assets per employee ($millions) | 5.3494% | 1,881 |
| Cash dividends to net income (ytd only)* | 5.6604% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 3,934 |
| Loan loss allowance to noncurrent loans | 376.6355% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 4,872 |
| Noncurrent loans to loans | 0.3123% | 4,570 |
| Net loans and leases to total assets | 79.1220% | 918 |
| Net loans and leases to deposits | 98.8541% | 730 |
| Net loans and leases to core deposits | 125.0956% | 354 |
| Total domestic deposits to total assets | 80.0391% | 4,858 |
| Equity capital to assets | 10.9475% | 2,938 |
| Core capital (leverage) ratio | 10.6595% | 2,777 |
| Tier 1 risk-based capital ratio | 12.2630% | 4,961 |
| Total risk-based capital ratio | 13.3607% | 4,968 |
| Memoranda: | ||
| Average total assets | $162,485,670 | 3,461 |
| Average earning assets | $153,097,670 | 3,400 |
| Average equity | $17,004,670 | 3,567 |
| Average total loans | $129,548,330 | 2,921 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 1,395 |
| Cost of funding earning assets | 0.3443% | 3,935 |
| Net interest margin | 4.1804% | 1,109 |
| Noninterest income to average assets | 0.4679% | 3,516 |
| Noninterest expense to average assets | 3.2706% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6627% | 3,990 |
| Return on assets (ROA) | 0.6627% | 4,114 |
| Pretax return on assets | 1.1281% | 2,958 |
| Return on Equity (ROE) | 6.4944% | 3,769 |
| Retained earnings to average equity (ytd only) | 5.7508% | 2,632 |
| Net charge-offs to loans | -0.0095% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3531% | 2,755 |
| Assets per employee ($millions) | 5.3940% | 1,895 |
| Cash dividends to net income (ytd only)* | 11.4504% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 3,604 |
| Loan loss allowance to noncurrent loans | 380.1418% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 4,930 |
| Noncurrent loans to loans | 0.3330% | 4,596 |
| Net loans and leases to total assets | 75.0163% | 1,352 |
| Net loans and leases to deposits | 84.7135% | 1,985 |
| Net loans and leases to core deposits | 105.9703% | 939 |
| Total domestic deposits to total assets | 88.5529% | 1,521 |
| Equity capital to assets | 11.0918% | 2,876 |
| Core capital (leverage) ratio | 11.6534% | 1,887 |
| Tier 1 risk-based capital ratio | 13.0559% | 4,572 |
| Total risk-based capital ratio | 14.2405% | 4,526 |
| Memoranda: | ||
| Average total assets | $158,138,500 | 3,533 |
| Average earning assets | $148,695,500 | 3,488 |
| Average equity | $16,137,000 | 3,725 |
| Average total loans | $125,796,000 | 2,988 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8590% | 995 |
| Cost of funding earning assets | 0.3821% | 3,884 |
| Net interest margin | 4.4768% | 778 |
| Noninterest income to average assets | 0.4218% | 4,024 |
| Noninterest expense to average assets | 3.5695% | 1,358 |
| Loan and lease loss provision to assets | 0.1623% | 1,618 |
| Net operating income to assets | 0.5177% | 4,739 |
| Return on assets (ROA) | 0.5646% | 4,625 |
| Pretax return on assets | 0.9407% | 3,731 |
| Return on Equity (ROE) | 5.9457% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.9457% | 1,961 |
| Net charge-offs to loans | 0.0164% | 4,540 |
| Credit loss provision to net charge-offs | 1,244.4444% | 233 |
| Earnings coverage of net charge-offs (x) | 78.9444% | 633 |
| Efficiency ratio | 77.6079% | 2,260 |
| Assets per employee ($millions) | 4.3871% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 3,492 |
| Loan loss allowance to noncurrent loans | 4,720.5882% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 5,954 |
| Noncurrent loans to loans | 0.0273% | 5,780 |
| Net loans and leases to total assets | 82.4229% | 481 |
| Net loans and leases to deposits | 91.1140% | 1,391 |
| Net loans and leases to core deposits | 119.6248% | 420 |
| Total domestic deposits to total assets | 90.4612% | 557 |
| Equity capital to assets | 9.2384% | 5,025 |
| Core capital (leverage) ratio | 9.1148% | 4,801 |
| Tier 1 risk-based capital ratio | 10.0942% | 6,233 |
| Total risk-based capital ratio | 11.3193% | 6,186 |
| Memoranda: | ||
| Average total assets | $137,975,600 | 3,839 |
| Average earning assets | $128,752,000 | 3,792 |
| Average equity | $13,101,800 | 4,173 |
| Average total loans | $109,672,400 | 3,223 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 980 |
| Cost of funding earning assets | 0.3908% | 3,888 |
| Net interest margin | 4.4849% | 763 |
| Noninterest income to average assets | 0.4152% | 4,136 |
| Noninterest expense to average assets | 3.6089% | 1,279 |
| Loan and lease loss provision to assets | 0.2209% | 1,036 |
| Net operating income to assets | 0.4541% | 5,062 |
| Return on assets (ROA) | 0.5178% | 4,873 |
| Pretax return on assets | 0.8620% | 4,141 |
| Return on Equity (ROE) | 5.4127% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.4127% | 2,818 |
| Net charge-offs to loans | 0.0201% | 4,125 |
| Credit loss provision to net charge-offs | 1,400.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 62.3207% | 840 |
| Efficiency ratio | 78.5868% | 2,098 |
| Assets per employee ($millions) | 4.3922% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 3,245 |
| Loan loss allowance to noncurrent loans | 2,678.3333% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 6,004 |
| Noncurrent loans to loans | 0.0517% | 5,808 |
| Net loans and leases to total assets | 78.8910% | 850 |
| Net loans and leases to deposits | 87.2319% | 1,762 |
| Net loans and leases to core deposits | 117.7742% | 443 |
| Total domestic deposits to total assets | 90.4383% | 552 |
| Equity capital to assets | 9.2098% | 5,137 |
| Core capital (leverage) ratio | 8.8107% | 5,324 |
| Tier 1 risk-based capital ratio | 10.5609% | 6,187 |
| Total risk-based capital ratio | 11.8118% | 6,132 |
| Memoranda: | ||
| Average total assets | $135,179,500 | 3,916 |
| Average earning assets | $125,899,750 | 3,878 |
| Average equity | $12,932,250 | 4,232 |
| Average total loans | $105,953,750 | 3,334 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 1,151 |
| Cost of funding earning assets | 0.3984% | 3,885 |
| Net interest margin | 4.3644% | 913 |
| Noninterest income to average assets | 0.4184% | 4,109 |
| Noninterest expense to average assets | 3.5960% | 1,305 |
| Loan and lease loss provision to assets | 0.1122% | 2,155 |
| Net operating income to assets | 0.4606% | 4,971 |
| Return on assets (ROA) | 0.4548% | 5,072 |
| Pretax return on assets | 0.7535% | 4,441 |
| Return on Equity (ROE) | 4.6899% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.6899% | 3,159 |
| Net charge-offs to loans | 0.0156% | 3,920 |
| Credit loss provision to net charge-offs | 925.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 72.1250% | 719 |
| Efficiency ratio | 80.4340% | 1,954 |
| Assets per employee ($millions) | 4.3256% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 3,806 |
| Loan loss allowance to noncurrent loans | 2,219.6970% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 5,782 |
| Noncurrent loans to loans | 0.0590% | 5,860 |
| Net loans and leases to total assets | 75.0678% | 1,297 |
| Net loans and leases to deposits | 82.6716% | 2,172 |
| Net loans and leases to core deposits | 102.8353% | 1,091 |
| Total domestic deposits to total assets | 90.8024% | 472 |
| Equity capital to assets | 8.8889% | 5,424 |
| Core capital (leverage) ratio | 9.7039% | 4,033 |
| Tier 1 risk-based capital ratio | 10.5656% | 6,224 |
| Total risk-based capital ratio | 11.7833% | 6,179 |
| Memoranda: | ||
| Average total assets | $131,925,000 | 3,996 |
| Average earning assets | $122,491,000 | 3,958 |
| Average equity | $12,793,330 | 4,268 |
| Average total loans | $102,620,330 | 3,402 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 733 |
| Cost of funding earning assets | 0.4191% | 3,772 |
| Net interest margin | 4.5686% | 587 |
| Noninterest income to average assets | 0.3731% | 4,401 |
| Noninterest expense to average assets | 3.8343% | 937 |
| Loan and lease loss provision to assets | 0.0772% | 2,598 |
| Net operating income to assets | 0.4337% | 5,001 |
| Return on assets (ROA) | 0.4214% | 5,106 |
| Pretax return on assets | 0.6852% | 4,538 |
| Return on Equity (ROE) | 4.1411% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.1411% | 3,647 |
| Net charge-offs to loans | 0.0327% | 2,933 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 30.3750% | 1,047 |
| Efficiency ratio | 83.0662% | 1,792 |
| Assets per employee ($millions) | 4.2283% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,732 |
| Loan loss allowance to noncurrent loans | 1,664.7059% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 5,764 |
| Noncurrent loans to loans | 0.0824% | 5,893 |
| Net loans and leases to total assets | 80.1581% | 533 |
| Net loans and leases to deposits | 91.1502% | 1,023 |
| Net loans and leases to core deposits | 111.3839% | 531 |
| Total domestic deposits to total assets | 87.9407% | 2,261 |
| Equity capital to assets | 10.1168% | 3,700 |
| Core capital (leverage) ratio | 9.8083% | 3,847 |
| Tier 1 risk-based capital ratio | 11.3520% | 5,994 |
| Total risk-based capital ratio | 12.6028% | 5,943 |
| Memoranda: | ||
| Average total assets | $124,352,000 | 4,188 |
| Average earning assets | $115,484,000 | 4,150 |
| Average equity | $12,653,500 | 4,310 |
| Average total loans | $97,996,500 | 3,516 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8627% | 1,172 |
| Cost of funding earning assets | 0.5179% | 3,420 |
| Net interest margin | 4.3448% | 1,012 |
| Noninterest income to average assets | 0.4992% | 3,766 |
| Noninterest expense to average assets | 3.6758% | 1,323 |
| Loan and lease loss provision to assets | 0.0297% | 4,516 |
| Net operating income to assets | 0.8373% | 3,101 |
| Return on assets (ROA) | 0.9094% | 2,817 |
| Pretax return on assets | 0.9196% | 3,682 |
| Return on Equity (ROE) | 8.8559% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.8559% | 804 |
| Net charge-offs to loans | 0.1137% | 3,679 |
| Credit loss provision to net charge-offs | 36.4583% | 4,114 |
| Earnings coverage of net charge-offs (x) | 10.7708% | 2,319 |
| Efficiency ratio | 80.7485% | 2,051 |
| Assets per employee ($millions) | 4.0619% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 3,148 |
| Loan loss allowance to noncurrent loans | 1,537.3626% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 5,803 |
| Noncurrent loans to loans | 0.0980% | 5,919 |
| Net loans and leases to total assets | 75.0886% | 1,207 |
| Net loans and leases to deposits | 86.2394% | 1,652 |
| Net loans and leases to core deposits | 104.7426% | 870 |
| Total domestic deposits to total assets | 87.0700% | 2,687 |
| Equity capital to assets | 10.2367% | 3,460 |
| Core capital (leverage) ratio | 10.0048% | 3,567 |
| Tier 1 risk-based capital ratio | 12.0235% | 5,601 |
| Total risk-based capital ratio | 13.2749% | 5,537 |
| Memoranda: | ||
| Average total assets | $117,987,800 | 4,317 |
| Average earning assets | $110,062,200 | 4,260 |
| Average equity | $12,116,200 | 4,419 |
| Average total loans | $84,459,000 | 3,810 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 1,213 |
| Cost of funding earning assets | 0.5323% | 3,443 |
| Net interest margin | 4.3283% | 1,029 |
| Noninterest income to average assets | 0.4956% | 3,838 |
| Noninterest expense to average assets | 3.6619% | 1,305 |
| Loan and lease loss provision to assets | 0.0399% | 4,213 |
| Net operating income to assets | 0.8329% | 3,176 |
| Return on assets (ROA) | 0.9309% | 2,790 |
| Pretax return on assets | 0.9309% | 3,757 |
| Return on Equity (ROE) | 9.0574% | 2,604 |
| Retained earnings to average equity (ytd only) | 9.0574% | 1,041 |
| Net charge-offs to loans | 0.1603% | 2,951 |
| Credit loss provision to net charge-offs | 35.3535% | 3,798 |
| Earnings coverage of net charge-offs (x) | 7.7372% | 2,741 |
| Efficiency ratio | 80.7538% | 2,004 |
| Assets per employee ($millions) | 4.3846% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 3,003 |
| Loan loss allowance to noncurrent loans | 1,440.2062% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 5,822 |
| Noncurrent loans to loans | 0.1110% | 5,997 |
| Net loans and leases to total assets | 70.0301% | 1,960 |
| Net loans and leases to deposits | 78.0359% | 2,664 |
| Net loans and leases to core deposits | 93.9834% | 1,578 |
| Total domestic deposits to total assets | 89.7410% | 1,144 |
| Equity capital to assets | 9.9405% | 3,986 |
| Core capital (leverage) ratio | 9.9703% | 3,715 |
| Tier 1 risk-based capital ratio | 12.3560% | 5,541 |
| Total risk-based capital ratio | 13.6089% | 5,476 |
| Memoranda: | ||
| Average total assets | $117,020,750 | 4,377 |
| Average earning assets | $109,201,250 | 4,327 |
| Average equity | $12,026,750 | 4,488 |
| Average total loans | $82,349,000 | 3,899 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 989 |
| Cost of funding earning assets | 0.5486% | 3,430 |
| Net interest margin | 4.4070% | 834 |
| Noninterest income to average assets | 0.4987% | 3,849 |
| Noninterest expense to average assets | 3.7114% | 1,233 |
| Loan and lease loss provision to assets | 0.1477% | 2,486 |
| Net operating income to assets | 0.7576% | 3,524 |
| Return on assets (ROA) | 0.9070% | 2,898 |
| Pretax return on assets | 0.9070% | 3,878 |
| Return on Equity (ROE) | 8.7235% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.7235% | 1,217 |
| Net charge-offs to loans | 0.2380% | 2,295 |
| Credit loss provision to net charge-offs | 88.5417% | 2,476 |
| Earnings coverage of net charge-offs (x) | 5.4271% | 2,896 |
| Efficiency ratio | 80.3914% | 2,100 |
| Assets per employee ($millions) | 4.0786% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 2,762 |
| Loan loss allowance to noncurrent loans | 1,260.8696% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 5,803 |
| Noncurrent loans to loans | 0.1353% | 5,985 |
| Net loans and leases to total assets | 70.6245% | 1,781 |
| Net loans and leases to deposits | 78.8518% | 2,476 |
| Net loans and leases to core deposits | 94.5479% | 1,471 |
| Total domestic deposits to total assets | 89.5662% | 1,283 |
| Equity capital to assets | 10.1700% | 3,698 |
| Core capital (leverage) ratio | 10.0593% | 3,436 |
| Tier 1 risk-based capital ratio | 12.4533% | 5,535 |
| Total risk-based capital ratio | 13.7067% | 5,474 |
| Memoranda: | ||
| Average total assets | $115,104,330 | 4,461 |
| Average earning assets | $107,555,670 | 4,396 |
| Average equity | $11,967,670 | 4,544 |
| Average total loans | $80,674,330 | 3,967 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 758 |
| Cost of funding earning assets | 0.5590% | 3,487 |
| Net interest margin | 4.5284% | 645 |
| Noninterest income to average assets | 0.4898% | 3,845 |
| Noninterest expense to average assets | 3.5977% | 1,427 |
| Loan and lease loss provision to assets | 0.2995% | 1,160 |
| Net operating income to assets | 0.8457% | 2,922 |
| Return on assets (ROA) | 0.8457% | 3,062 |
| Pretax return on assets | 0.8457% | 3,973 |
| Return on Equity (ROE) | 8.0422% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.0422% | 1,741 |
| Net charge-offs to loans | 0.6826% | 900 |
| Credit loss provision to net charge-offs | 63.4328% | 2,385 |
| Earnings coverage of net charge-offs (x) | 2.4254% | 3,035 |
| Efficiency ratio | 75.8544% | 2,945 |
| Assets per employee ($millions) | 3.9773% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 2,955 |
| Loan loss allowance to noncurrent loans | 542.6923% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 5,890 |
| Noncurrent loans to loans | 0.3154% | 5,612 |
| Net loans and leases to total assets | 70.2407% | 1,623 |
| Net loans and leases to deposits | 78.6321% | 2,260 |
| Net loans and leases to core deposits | 92.1454% | 1,494 |
| Total domestic deposits to total assets | 89.3283% | 1,470 |
| Equity capital to assets | 10.4758% | 3,568 |
| Core capital (leverage) ratio | 10.1259% | 3,248 |
| Tier 1 risk-based capital ratio | 12.8078% | 5,365 |
| Total risk-based capital ratio | 14.0622% | 5,308 |
| Memoranda: | ||
| Average total assets | $113,517,000 | 4,534 |
| Average earning assets | $106,616,500 | 4,457 |
| Average equity | $11,937,000 | 4,588 |
| Average total loans | $78,519,500 | 4,052 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2840% | 952 |
| Cost of funding earning assets | 0.7401% | 3,157 |
| Net interest margin | 4.5439% | 868 |
| Noninterest income to average assets | 0.8419% | 2,074 |
| Noninterest expense to average assets | 3.7304% | 1,361 |
| Loan and lease loss provision to assets | 0.2793% | 2,416 |
| Net operating income to assets | 1.1870% | 1,647 |
| Return on assets (ROA) | 1.1870% | 1,807 |
| Pretax return on assets | 1.0929% | 3,185 |
| Return on Equity (ROE) | 11.0800% | 1,780 |
| Retained earnings to average equity (ytd only) | 11.0800% | 430 |
| Net charge-offs to loans | 0.1379% | 4,313 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 14.7368% | 1,715 |
| Efficiency ratio | 73.1080% | 3,225 |
| Assets per employee ($millions) | 3.9890% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 2,139 |
| Loan loss allowance to noncurrent loans | 372.4490% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 5,636 |
| Noncurrent loans to loans | 0.5254% | 5,217 |
| Net loans and leases to total assets | 65.4935% | 2,610 |
| Net loans and leases to deposits | 73.4057% | 3,192 |
| Net loans and leases to core deposits | 86.2233% | 2,290 |
| Total domestic deposits to total assets | 89.2213% | 1,424 |
| Equity capital to assets | 10.5567% | 3,459 |
| Core capital (leverage) ratio | 10.3226% | 2,983 |
| Tier 1 risk-based capital ratio | 13.2935% | 4,904 |
| Total risk-based capital ratio | 14.5498% | 4,843 |
| Memoranda: | ||
| Average total assets | $102,025,400 | 4,778 |
| Average earning assets | $95,666,000 | 4,702 |
| Average equity | $10,929,600 | 4,775 |
| Average total loans | $68,907,000 | 4,393 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 837 |
| Cost of funding earning assets | 0.7690% | 3,202 |
| Net interest margin | 4.6313% | 773 |
| Noninterest income to average assets | 0.9249% | 1,748 |
| Noninterest expense to average assets | 3.7907% | 1,226 |
| Loan and lease loss provision to assets | 0.3815% | 1,692 |
| Net operating income to assets | 1.1859% | 1,792 |
| Return on assets (ROA) | 1.1859% | 1,974 |
| Pretax return on assets | 1.0896% | 3,388 |
| Return on Equity (ROE) | 11.0255% | 1,952 |
| Retained earnings to average equity (ytd only) | 11.0255% | 682 |
| Net charge-offs to loans | 0.1699% | 3,747 |
| Credit loss provision to net charge-offs | 331.3953% | 803 |
| Earnings coverage of net charge-offs (x) | 12.7795% | 1,972 |
| Efficiency ratio | 72.0427% | 3,321 |
| Assets per employee ($millions) | 3.9609% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0175% | 2,117 |
| Loan loss allowance to noncurrent loans | 1,958.6667% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 6,569 |
| Noncurrent loans to loans | 0.1030% | 6,358 |
| Net loans and leases to total assets | 66.7109% | 2,518 |
| Net loans and leases to deposits | 75.7006% | 3,030 |
| Net loans and leases to core deposits | 88.4876% | 2,156 |
| Total domestic deposits to total assets | 88.1247% | 1,969 |
| Equity capital to assets | 10.6793% | 3,628 |
| Core capital (leverage) ratio | 10.1214% | 3,369 |
| Tier 1 risk-based capital ratio | 13.1726% | 5,111 |
| Total risk-based capital ratio | 14.4295% | 5,076 |
| Memoranda: | ||
| Average total assets | $99,608,750 | 4,889 |
| Average earning assets | $93,275,000 | 4,820 |
| Average equity | $10,714,250 | 4,866 |
| Average total loans | $67,481,000 | 4,488 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5949% | 582 |
| Cost of funding earning assets | 0.7920% | 3,255 |
| Net interest margin | 4.8028% | 557 |
| Noninterest income to average assets | 0.4878% | 4,003 |
| Noninterest expense to average assets | 3.8183% | 1,185 |
| Loan and lease loss provision to assets | 0.2779% | 2,363 |
| Net operating income to assets | 0.9716% | 2,578 |
| Return on assets (ROA) | 0.9716% | 2,819 |
| Pretax return on assets | 0.8728% | 4,186 |
| Return on Equity (ROE) | 9.0088% | 2,812 |
| Retained earnings to average equity (ytd only) | 9.0088% | 1,274 |
| Net charge-offs to loans | 0.2435% | 3,111 |
| Credit loss provision to net charge-offs | 168.7500% | 1,656 |
| Earnings coverage of net charge-offs (x) | 6.9875% | 2,540 |
| Efficiency ratio | 76.8434% | 2,623 |
| Assets per employee ($millions) | 3.8083% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9260% | 2,457 |
| Loan loss allowance to noncurrent loans | 1,558.8235% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 6,607 |
| Noncurrent loans to loans | 0.1236% | 6,355 |
| Net loans and leases to total assets | 65.6163% | 2,747 |
| Net loans and leases to deposits | 73.8208% | 3,322 |
| Net loans and leases to core deposits | 87.0075% | 2,312 |
| Total domestic deposits to total assets | 88.8860% | 1,581 |
| Equity capital to assets | 10.5723% | 3,597 |
| Core capital (leverage) ratio | 10.2551% | 3,093 |
| Tier 1 risk-based capital ratio | 13.0323% | 5,165 |
| Total risk-based capital ratio | 14.2875% | 5,136 |
| Memoranda: | ||
| Average total assets | $97,163,330 | 4,973 |
| Average earning assets | $90,654,670 | 4,911 |
| Average equity | $10,478,670 | 4,916 |
| Average total loans | $65,703,670 | 4,577 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3223% | 1,052 |
| Cost of funding earning assets | 0.8038% | 3,446 |
| Net interest margin | 4.5185% | 976 |
| Noninterest income to average assets | 0.4876% | 4,001 |
| Noninterest expense to average assets | 3.8799% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9286% | 2,793 |
| Return on assets (ROA) | 0.9286% | 2,999 |
| Pretax return on assets | 0.8269% | 4,313 |
| Return on Equity (ROE) | 8.5193% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.5193% | 1,773 |
| Net charge-offs to loans | 0.1496% | 3,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.1250% | 1,997 |
| Efficiency ratio | 82.4324% | 1,881 |
| Assets per employee ($millions) | 3.6044% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9526% | 2,512 |
| Loan loss allowance to noncurrent loans | 684.6154% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 6,410 |
| Noncurrent loans to loans | 0.2852% | 6,106 |
| Net loans and leases to total assets | 64.2903% | 2,805 |
| Net loans and leases to deposits | 73.2674% | 3,238 |
| Net loans and leases to core deposits | 86.2932% | 2,258 |
| Total domestic deposits to total assets | 87.7474% | 2,497 |
| Equity capital to assets | 10.6815% | 3,290 |
| Core capital (leverage) ratio | 10.6409% | 2,605 |
| Tier 1 risk-based capital ratio | 13.5111% | 4,820 |
| Total risk-based capital ratio | 14.7670% | 4,802 |
| Memoranda: | ||
| Average total assets | $94,332,500 | 5,092 |
| Average earning assets | $88,082,500 | 5,021 |
| Average equity | $10,282,500 | 4,975 |
| Average total loans | $64,158,000 | 4,662 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7640% | 685 |
| Cost of funding earning assets | 0.8566% | 4,426 |
| Net interest margin | 4.9074% | 497 |
| Noninterest income to average assets | 0.3457% | 5,038 |
| Noninterest expense to average assets | 4.4084% | 641 |
| Loan and lease loss provision to assets | 0.3187% | 3,137 |
| Net operating income to assets | 0.8194% | 2,958 |
| Return on assets (ROA) | 0.8649% | 2,896 |
| Pretax return on assets | 0.2879% | 5,596 |
| Return on Equity (ROE) | 7.3266% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.3266% | 1,354 |
| Net charge-offs to loans | 0.1576% | 4,883 |
| Credit loss provision to net charge-offs | 278.4946% | 851 |
| Earnings coverage of net charge-offs (x) | 4.9032% | 2,946 |
| Efficiency ratio | 88.7101% | 1,295 |
| Assets per employee ($millions) | 3.3832% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9689% | 2,374 |
| Loan loss allowance to noncurrent loans | 686.4865% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 6,453 |
| Noncurrent loans to loans | 0.2868% | 6,151 |
| Net loans and leases to total assets | 69.2239% | 2,175 |
| Net loans and leases to deposits | 78.4132% | 2,772 |
| Net loans and leases to core deposits | 93.2407% | 1,775 |
| Total domestic deposits to total assets | 88.2810% | 1,979 |
| Equity capital to assets | 11.1334% | 2,855 |
| Core capital (leverage) ratio | 10.8888% | 2,360 |
| Tier 1 risk-based capital ratio | 13.2668% | 4,863 |
| Total risk-based capital ratio | 14.5230% | 4,839 |
| Memoranda: | ||
| Average total assets | $81,276,600 | 5,428 |
| Average earning assets | $76,578,600 | 5,325 |
| Average equity | $9,595,200 | 5,125 |
| Average total loans | $59,025,400 | 4,905 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8747% | 590 |
| Cost of funding earning assets | 0.8780% | 4,563 |
| Net interest margin | 4.9967% | 415 |
| Noninterest income to average assets | 0.3335% | 5,193 |
| Noninterest expense to average assets | 4.5522% | 554 |
| Loan and lease loss provision to assets | 0.2522% | 3,488 |
| Net operating income to assets | 0.7753% | 3,278 |
| Return on assets (ROA) | 0.8380% | 3,147 |
| Pretax return on assets | 0.3030% | 5,699 |
| Return on Equity (ROE) | 6.9828% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.9828% | 1,978 |
| Net charge-offs to loans | 0.1688% | 4,443 |
| Credit loss provision to net charge-offs | 204.1096% | 1,435 |
| Earnings coverage of net charge-offs (x) | 3.9863% | 3,226 |
| Efficiency ratio | 90.2349% | 1,151 |
| Assets per employee ($millions) | 3.1470% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 2,483 |
| Loan loss allowance to noncurrent loans | 1,325.8427% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 6,782 |
| Noncurrent loans to loans | 0.1469% | 6,581 |
| Net loans and leases to total assets | 72.6141% | 1,581 |
| Net loans and leases to deposits | 83.4176% | 2,106 |
| Net loans and leases to core deposits | 96.4122% | 1,566 |
| Total domestic deposits to total assets | 87.0489% | 2,623 |
| Equity capital to assets | 12.2459% | 2,059 |
| Core capital (leverage) ratio | 11.8691% | 1,781 |
| Tier 1 risk-based capital ratio | 14.1051% | 4,277 |
| Total risk-based capital ratio | 15.3617% | 4,246 |
| Memoranda: | ||
| Average total assets | $78,759,000 | 5,531 |
| Average earning assets | $74,260,250 | 5,436 |
| Average equity | $9,451,500 | 5,191 |
| Average total loans | $57,655,750 | 5,011 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8506% | 650 |
| Cost of funding earning assets | 0.8938% | 4,722 |
| Net interest margin | 4.9568% | 428 |
| Noninterest income to average assets | 0.3190% | 5,349 |
| Noninterest expense to average assets | 4.6798% | 496 |
| Loan and lease loss provision to assets | 0.2290% | 3,622 |
| Net operating income to assets | 0.8181% | 2,990 |
| Return on assets (ROA) | 0.8181% | 3,111 |
| Pretax return on assets | 0.0900% | 6,119 |
| Return on Equity (ROE) | 6.8668% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.8668% | 1,936 |
| Net charge-offs to loans | 0.1870% | 4,039 |
| Credit loss provision to net charge-offs | 167.9245% | 1,800 |
| Earnings coverage of net charge-offs (x) | 2.3396% | 3,654 |
| Efficiency ratio | 93.6181% | 1,003 |
| Assets per employee ($millions) | 3.8952% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 2,464 |
| Loan loss allowance to noncurrent loans | 520.5479% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 6,429 |
| Noncurrent loans to loans | 0.3777% | 6,147 |
| Net loans and leases to total assets | 72.9616% | 1,600 |
| Net loans and leases to deposits | 83.8905% | 2,123 |
| Net loans and leases to core deposits | 97.2488% | 1,557 |
| Total domestic deposits to total assets | 86.9724% | 2,753 |
| Equity capital to assets | 12.3960% | 1,846 |
| Core capital (leverage) ratio | 11.6486% | 1,814 |
| Tier 1 risk-based capital ratio | 14.2286% | 3,994 |
| Total risk-based capital ratio | 15.4860% | 3,963 |
| Memoranda: | ||
| Average total assets | $77,737,670 | 5,601 |
| Average earning assets | $73,394,670 | 5,513 |
| Average equity | $9,262,000 | 5,250 |
| Average total loans | $56,676,000 | 5,095 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 788 |
| Cost of funding earning assets | 0.8822% | 5,051 |
| Net interest margin | 4.8794% | 486 |
| Noninterest income to average assets | 0.3245% | 5,322 |
| Noninterest expense to average assets | 4.1260% | 891 |
| Loan and lease loss provision to assets | 0.1442% | 4,203 |
| Net operating income to assets | 0.6696% | 3,662 |
| Return on assets (ROA) | 0.6696% | 3,733 |
| Pretax return on assets | 0.6696% | 4,420 |
| Return on Equity (ROE) | 5.7367% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.7367% | 2,781 |
| Net charge-offs to loans | 0.2356% | 3,135 |
| Credit loss provision to net charge-offs | 84.8485% | 3,043 |
| Earnings coverage of net charge-offs (x) | 4.7879% | 2,397 |
| Efficiency ratio | 83.5245% | 2,013 |
| Assets per employee ($millions) | 3.7610% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 2,578 |
| Loan loss allowance to noncurrent loans | 515.9624% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 6,506 |
| Noncurrent loans to loans | 0.3750% | 6,248 |
| Net loans and leases to total assets | 70.5246% | 2,026 |
| Net loans and leases to deposits | 80.0843% | 2,712 |
| Net loans and leases to core deposits | 92.1698% | 2,110 |
| Total domestic deposits to total assets | 88.0630% | 2,340 |
| Equity capital to assets | 11.5749% | 2,206 |
| Core capital (leverage) ratio | 12.0615% | 1,528 |
| Tier 1 risk-based capital ratio | 14.6902% | 3,618 |
| Total risk-based capital ratio | 15.9461% | 3,572 |
| Memoranda: | ||
| Average total assets | $77,654,500 | 5,653 |
| Average earning assets | $73,451,500 | 5,556 |
| Average equity | $9,064,500 | 5,301 |
| Average total loans | $56,024,000 | 5,177 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5993% | 1,891 |
| Cost of funding earning assets | 1.0931% | 5,167 |
| Net interest margin | 4.5062% | 1,216 |
| Noninterest income to average assets | 0.2710% | 5,845 |
| Noninterest expense to average assets | 3.7973% | 1,494 |
| Loan and lease loss provision to assets | 0.6247% | 2,636 |
| Net operating income to assets | 0.0935% | 5,604 |
| Return on assets (ROA) | 0.4377% | 4,530 |
| Pretax return on assets | 0.4391% | 4,826 |
| Return on Equity (ROE) | 3.5926% | 4,702 |
| Retained earnings to average equity (ytd only) | 3.5926% | 3,341 |
| Net charge-offs to loans | 0.3924% | 4,075 |
| Credit loss provision to net charge-offs | 230.5000% | 1,278 |
| Earnings coverage of net charge-offs (x) | 2.6550% | 3,771 |
| Efficiency ratio | 84.0684% | 1,912 |
| Assets per employee ($millions) | 3.8164% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 2,312 |
| Loan loss allowance to noncurrent loans | 475.8621% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 6,482 |
| Noncurrent loans to loans | 0.4199% | 6,208 |
| Net loans and leases to total assets | 70.9360% | 2,321 |
| Net loans and leases to deposits | 80.7637% | 3,031 |
| Net loans and leases to core deposits | 92.8252% | 2,408 |
| Total domestic deposits to total assets | 87.8315% | 2,352 |
| Equity capital to assets | 11.7742% | 2,057 |
| Core capital (leverage) ratio | 11.8543% | 1,644 |
| Tier 1 risk-based capital ratio | 14.7950% | 3,374 |
| Total risk-based capital ratio | 16.0512% | 3,326 |
| Memoranda: | ||
| Average total assets | $73,790,200 | 5,767 |
| Average earning assets | $69,526,400 | 5,687 |
| Average equity | $8,990,800 | 5,433 |
| Average total loans | $50,970,200 | 5,445 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 2,347 |
| Cost of funding earning assets | 1.1364% | 5,218 |
| Net interest margin | 4.3848% | 1,575 |
| Noninterest income to average assets | 0.2861% | 5,828 |
| Noninterest expense to average assets | 3.7891% | 1,387 |
| Loan and lease loss provision to assets | 0.5486% | 2,751 |
| Net operating income to assets | 0.0776% | 5,823 |
| Return on assets (ROA) | 0.3609% | 5,108 |
| Pretax return on assets | 0.3627% | 5,340 |
| Return on Equity (ROE) | 2.9359% | 5,247 |
| Retained earnings to average equity (ytd only) | 2.9359% | 4,373 |
| Net charge-offs to loans | 0.4435% | 3,532 |
| Credit loss provision to net charge-offs | 181.3253% | 2,013 |
| Earnings coverage of net charge-offs (x) | 2.0662% | 4,176 |
| Efficiency ratio | 85.8382% | 1,649 |
| Assets per employee ($millions) | 4.0306% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7828% | 2,837 |
| Loan loss allowance to noncurrent loans | 394.3548% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 6,569 |
| Noncurrent loans to loans | 0.4521% | 6,284 |
| Net loans and leases to total assets | 70.3533% | 2,647 |
| Net loans and leases to deposits | 80.2783% | 3,396 |
| Net loans and leases to core deposits | 94.2962% | 2,486 |
| Total domestic deposits to total assets | 87.6368% | 2,192 |
| Equity capital to assets | 12.0368% | 2,136 |
| Core capital (leverage) ratio | 11.9656% | 1,685 |
| Tier 1 risk-based capital ratio | 15.1360% | 3,190 |
| Total risk-based capital ratio | 16.3907% | 3,164 |
| Memoranda: | ||
| Average total assets | $73,155,750 | 5,851 |
| Average earning assets | $68,872,000 | 5,776 |
| Average equity | $8,991,750 | 5,502 |
| Average total loans | $49,900,750 | 5,570 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5517% | 2,328 |
| Cost of funding earning assets | 1.2034% | 5,114 |
| Net interest margin | 4.3483% | 1,599 |
| Noninterest income to average assets | 0.2888% | 5,837 |
| Noninterest expense to average assets | 3.7965% | 1,363 |
| Loan and lease loss provision to assets | 0.2666% | 4,258 |
| Net operating income to assets | 0.2972% | 5,189 |
| Return on assets (ROA) | 0.2972% | 5,341 |
| Pretax return on assets | 0.2999% | 5,499 |
| Return on Equity (ROE) | 2.4001% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.4001% | 4,631 |
| Net charge-offs to loans | 0.3150% | 3,746 |
| Credit loss provision to net charge-offs | 126.3158% | 3,192 |
| Earnings coverage of net charge-offs (x) | 2.6842% | 3,651 |
| Efficiency ratio | 87.0146% | 1,601 |
| Assets per employee ($millions) | 3.6537% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8009% | 2,713 |
| Loan loss allowance to noncurrent loans | 539.3750% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 6,848 |
| Noncurrent loans to loans | 0.3339% | 6,563 |
| Net loans and leases to total assets | 64.3977% | 4,175 |
| Net loans and leases to deposits | 73.9836% | 4,677 |
| Net loans and leases to core deposits | 89.0794% | 3,399 |
| Total domestic deposits to total assets | 87.0433% | 2,506 |
| Equity capital to assets | 12.5736% | 1,755 |
| Core capital (leverage) ratio | 12.1560% | 1,562 |
| Tier 1 risk-based capital ratio | 16.5321% | 2,458 |
| Total risk-based capital ratio | 17.7872% | 2,409 |
| Memoranda: | ||
| Average total assets | $72,013,670 | 5,921 |
| Average earning assets | $67,475,000 | 5,844 |
| Average equity | $8,916,330 | 5,523 |
| Average total loans | $48,249,000 | 5,681 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6606% | 1,919 |
| Cost of funding earning assets | 1.2413% | 5,171 |
| Net interest margin | 4.4194% | 1,335 |
| Noninterest income to average assets | 0.2630% | 6,050 |
| Noninterest expense to average assets | 3.8610% | 1,229 |
| Loan and lease loss provision to assets | 0.2630% | 3,933 |
| Net operating income to assets | 0.2630% | 5,439 |
| Return on assets (ROA) | 0.2630% | 5,566 |
| Pretax return on assets | 0.2630% | 5,706 |
| Return on Equity (ROE) | 2.1411% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.1411% | 4,851 |
| Net charge-offs to loans | 0.5370% | 2,458 |
| Credit loss provision to net charge-offs | 72.3077% | 4,050 |
| Earnings coverage of net charge-offs (x) | 1.4462% | 3,874 |
| Efficiency ratio | 88.0102% | 1,584 |
| Assets per employee ($millions) | 4.0186% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 3,047 |
| Loan loss allowance to noncurrent loans | 597.8261% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 6,992 |
| Noncurrent loans to loans | 0.2852% | 6,754 |
| Net loans and leases to total assets | 65.7413% | 3,922 |
| Net loans and leases to deposits | 75.2294% | 4,542 |
| Net loans and leases to core deposits | 92.9788% | 2,980 |
| Total domestic deposits to total assets | 87.3878% | 2,418 |
| Equity capital to assets | 12.2541% | 1,901 |
| Core capital (leverage) ratio | 12.4848% | 1,412 |
| Tier 1 risk-based capital ratio | 16.1466% | 2,585 |
| Total risk-based capital ratio | 17.4009% | 2,544 |
| Memoranda: | ||
| Average total assets | $71,483,500 | 6,007 |
| Average earning assets | $66,706,500 | 5,943 |
| Average equity | $8,780,500 | 5,598 |
| Average total loans | $48,413,000 | 5,741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1368% | 1,414 |
| Cost of funding earning assets | 1.5646% | 5,207 |
| Net interest margin | 4.5722% | 1,034 |
| Noninterest income to average assets | 0.4361% | 4,906 |
| Noninterest expense to average assets | 4.2459% | 1,044 |
| Loan and lease loss provision to assets | 0.3504% | 4,702 |
| Net operating income to assets | 0.1168% | 5,161 |
| Return on assets (ROA) | 0.1168% | 5,217 |
| Pretax return on assets | 0.1184% | 5,180 |
| Return on Equity (ROE) | 0.8704% | 5,272 |
| Retained earnings to average equity (ytd only) | 0.8704% | 4,416 |
| Net charge-offs to loans | 0.3614% | 4,421 |
| Credit loss provision to net charge-offs | 130.8140% | 3,882 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 4,416 |
| Efficiency ratio | 90.0562% | 1,705 |
| Assets per employee ($millions) | 3.7175% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 2,747 |
| Loan loss allowance to noncurrent loans | 84,300.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 7,545 |
| Noncurrent loans to loans | 0.0021% | 7,453 |
| Net loans and leases to total assets | 67.3972% | 3,836 |
| Net loans and leases to deposits | 77.1565% | 4,536 |
| Net loans and leases to core deposits | 91.7774% | 4,916 |
| Total domestic deposits to total assets | 87.3513% | 2,297 |
| Equity capital to assets | 12.3131% | 1,844 |
| Core capital (leverage) ratio | 12.4733% | 1,469 |
| Tier 1 risk-based capital ratio | 16.0421% | 2,503 |
| Total risk-based capital ratio | 17.2967% | 2,430 |
| Memoranda: | ||
| Average total assets | $64,203,200 | 6,189 |
| Average earning assets | $60,080,600 | 6,122 |
| Average equity | $8,616,400 | 5,727 |
| Average total loans | $47,587,800 | 5,779 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2557% | 1,226 |
| Cost of funding earning assets | 1.6280% | 5,268 |
| Net interest margin | 4.6276% | 943 |
| Noninterest income to average assets | 0.4303% | 5,045 |
| Noninterest expense to average assets | 4.3686% | 841 |
| Loan and lease loss provision to assets | 0.3408% | 4,286 |
| Net operating income to assets | 0.0234% | 5,661 |
| Return on assets (ROA) | 0.0234% | 5,709 |
| Pretax return on assets | 0.0256% | 5,659 |
| Return on Equity (ROE) | 0.1707% | 5,725 |
| Retained earnings to average equity (ytd only) | 0.1707% | 5,130 |
| Net charge-offs to loans | 0.4194% | 3,588 |
| Credit loss provision to net charge-offs | 107.3826% | 4,735 |
| Earnings coverage of net charge-offs (x) | 1.1544% | 4,910 |
| Efficiency ratio | 92.2627% | 1,524 |
| Assets per employee ($millions) | 3.5238% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 2,803 |
| Loan loss allowance to noncurrent loans | 1,405.2632% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 7,335 |
| Noncurrent loans to loans | 0.1175% | 7,184 |
| Net loans and leases to total assets | 71.2425% | 3,213 |
| Net loans and leases to deposits | 82.2184% | 3,980 |
| Net loans and leases to core deposits | 99.4351% | 4,436 |
| Total domestic deposits to total assets | 86.6503% | 2,355 |
| Equity capital to assets | 12.9628% | 1,711 |
| Core capital (leverage) ratio | 13.0530% | 1,360 |
| Tier 1 risk-based capital ratio | 16.4228% | 2,464 |
| Total risk-based capital ratio | 17.6756% | 2,401 |
| Memoranda: | ||
| Average total assets | $62,596,000 | 6,292 |
| Average earning assets | $58,228,500 | 6,244 |
| Average equity | $8,596,250 | 5,786 |
| Average total loans | $47,373,000 | 5,830 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2897% | 1,232 |
| Cost of funding earning assets | 1.7044% | 5,250 |
| Net interest margin | 4.5853% | 990 |
| Noninterest income to average assets | 0.2682% | 6,351 |
| Noninterest expense to average assets | 4.4420% | 817 |
| Loan and lease loss provision to assets | 0.2617% | 4,481 |
| Net operating income to assets | -0.2061% | 6,198 |
| Return on assets (ROA) | -0.2061% | 6,218 |
| Pretax return on assets | -0.2028% | 6,126 |
| Return on Equity (ROE) | -1.4705% | 6,143 |
| Retained earnings to average equity (ytd only) | -1.4705% | 5,604 |
| Net charge-offs to loans | 0.4256% | 3,100 |
| Credit loss provision to net charge-offs | 80.0000% | 5,199 |
| Earnings coverage of net charge-offs (x) | 0.1800% | 5,490 |
| Efficiency ratio | 98.6919% | 1,238 |
| Assets per employee ($millions) | 3.4425% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 2,892 |
| Loan loss allowance to noncurrent loans | 38,500.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,657 |
| Noncurrent loans to loans | 0.0041% | 7,563 |
| Net loans and leases to total assets | 74.0353% | 2,689 |
| Net loans and leases to deposits | 85.5505% | 3,634 |
| Net loans and leases to core deposits | 102.5736% | 4,224 |
| Total domestic deposits to total assets | 86.5399% | 2,490 |
| Equity capital to assets | 13.0963% | 1,657 |
| Core capital (leverage) ratio | 13.3286% | 1,320 |
| Tier 1 risk-based capital ratio | 15.5700% | 2,789 |
| Total risk-based capital ratio | 16.8224% | 2,717 |
| Memoranda: | ||
| Average total assets | $61,143,670 | 6,406 |
| Average earning assets | $56,441,670 | 6,367 |
| Average equity | $8,568,670 | 5,829 |
| Average total loans | $46,997,330 | 5,886 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3567% | 1,165 |
| Cost of funding earning assets | 1.7843% | 5,189 |
| Net interest margin | 4.5724% | 991 |
| Noninterest income to average assets | 0.2237% | 6,682 |
| Noninterest expense to average assets | 4.3788% | 806 |
| Loan and lease loss provision to assets | 0.2915% | 3,623 |
| Net operating income to assets | -0.2847% | 6,662 |
| Return on assets (ROA) | -0.2847% | 6,737 |
| Pretax return on assets | -0.2779% | 6,651 |
| Return on Equity (ROE) | -1.9603% | 6,652 |
| Retained earnings to average equity (ytd only) | -1.9603% | 6,095 |
| Net charge-offs to loans | 0.4793% | 2,252 |
| Credit loss provision to net charge-offs | 78.1818% | 4,219 |
| Earnings coverage of net charge-offs (x) | 0.0364% | 4,945 |
| Efficiency ratio | 99.6914% | 1,142 |
| Assets per employee ($millions) | 3.4980% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 2,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 73.2514% | 2,951 |
| Net loans and leases to deposits | 85.1714% | 3,785 |
| Net loans and leases to core deposits | 101.2758% | 4,412 |
| Total domestic deposits to total assets | 86.0047% | 2,722 |
| Equity capital to assets | 13.5982% | 1,498 |
| Core capital (leverage) ratio | 14.5286% | 1,076 |
| Tier 1 risk-based capital ratio | 16.3403% | 2,570 |
| Total risk-based capital ratio | 17.5942% | 2,514 |
| Memoranda: | ||
| Average total assets | $59,011,500 | 6,507 |
| Average earning assets | $53,801,500 | 6,510 |
| Average equity | $8,570,000 | 5,859 |
| Average total loans | $45,898,500 | 5,968 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1447% | 824 |
| Cost of funding earning assets | 2.0302% | 6,319 |
| Net interest margin | 5.1145% | 389 |
| Noninterest income to average assets | 0.3717% | 5,726 |
| Noninterest expense to average assets | 6.4030% | 345 |
| Loan and lease loss provision to assets | 1.4783% | 916 |
| Net operating income to assets | -2.8513% | 7,786 |
| Return on assets (ROA) | -2.8642% | 7,762 |
| Pretax return on assets | -2.8620% | 7,673 |
| Return on Equity (ROE) | -14.4245% | 7,562 |
| Retained earnings to average equity (ytd only) | -14.4245% | 7,424 |
| Net charge-offs to loans | 0.6404% | 1,924 |
| Credit loss provision to net charge-offs | 289.0756% | 1,571 |
| Earnings coverage of net charge-offs (x) | -2.6807% | 6,747 |
| Efficiency ratio | 127.2417% | 489 |
| Assets per employee ($millions) | 3.0588% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 1,738 |
| Loan loss allowance to noncurrent loans | 877.7778% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 6,915 |
| Noncurrent loans to loans | 0.2005% | 6,786 |
| Net loans and leases to total assets | 80.1086% | 1,643 |
| Net loans and leases to deposits | 95.5628% | 2,514 |
| Net loans and leases to core deposits | 135.3640% | 1,519 |
| Total domestic deposits to total assets | 83.8283% | 3,413 |
| Equity capital to assets | 15.5797% | 1,030 |
| Core capital (leverage) ratio | 16.1356% | 805 |
| Tier 1 risk-based capital ratio | 17.2135% | 2,248 |
| Total risk-based capital ratio | 18.4677% | 2,201 |
| Memoranda: | ||
| Average total assets | $46,540,600 | 6,917 |
| Average earning assets | $42,408,800 | 6,930 |
| Average equity | $9,241,200 | 5,655 |
| Average total loans | $37,162,600 | 6,306 |