Home > Du Quoin State Bank > Performance and Condition Ratios
Du Quoin State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 2,948 |
| Cost of funding earning assets | 0.9844% | 3,328 |
| Net interest margin | 3.5946% | 1,978 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.8852% | 1,303 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.1207% | 1,856 |
| Return on assets (ROA) | 1.0711% | 1,974 |
| Pretax return on assets | 1.0711% | 2,491 |
| Return on Equity (ROE) | 281.4200% | 4 |
| Retained earnings to average equity (ytd only) | 281.4152% | 3 |
| Net charge-offs to loans | -0.0503% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.6097% | 1,701 |
| Assets per employee ($millions) | 6.9157% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8187% | 527 |
| Loan loss allowance to noncurrent loans | 704.5977% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,131 |
| Noncurrent loans to loans | 0.2581% | 2,258 |
| Net loans and leases to total assets | 25.1900% | 4,362 |
| Net loans and leases to deposits | 27.6065% | 4,380 |
| Net loans and leases to core deposits | 27.8556% | 4,416 |
| Total domestic deposits to total assets | 91.2300% | 445 |
| Equity capital to assets | 2.7146% | 4,550 |
| Core capital (leverage) ratio | 11.0952% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8932% | 304 |
| Memoranda: | ||
| Average total assets | $129,210,000 | 3,557 |
| Average earning assets | $125,355,400 | 3,486 |
| Average equity | $491,800 | 4,531 |
| Average total loans | $33,800,000 | 4,083 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 2,820 |
| Cost of funding earning assets | 0.9319% | 3,199 |
| Net interest margin | 3.6070% | 1,992 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.8632% | 1,298 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.2000% | 1,802 |
| Return on assets (ROA) | 1.1337% | 1,935 |
| Pretax return on assets | 1.1337% | 2,474 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | -0.0197% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.0735% | 1,773 |
| Assets per employee ($millions) | 6.2859% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 587 |
| Loan loss allowance to noncurrent loans | 644.5652% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 3,079 |
| Noncurrent loans to loans | 0.2767% | 2,247 |
| Net loans and leases to total assets | 27.3400% | 4,356 |
| Net loans and leases to deposits | 28.6962% | 4,395 |
| Net loans and leases to core deposits | 28.9917% | 4,395 |
| Total domestic deposits to total assets | 95.2900% | 107 |
| Equity capital to assets | -2.2490% | 4,628 |
| Core capital (leverage) ratio | 10.8776% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9063% | 326 |
| Memoranda: | ||
| Average total assets | $128,662,750 | 3,577 |
| Average earning assets | $124,902,500 | 3,502 |
| Average equity | $-277,000 | 4,611 |
| Average total loans | $33,823,500 | 4,103 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 2,873 |
| Cost of funding earning assets | 0.8647% | 3,038 |
| Net interest margin | 3.5430% | 2,168 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.7888% | 1,440 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0870% | 2,156 |
| Return on assets (ROA) | 0.9883% | 2,447 |
| Pretax return on assets | 0.9883% | 2,948 |
| Return on Equity (ROE) | 247.5300% | 4 |
| Retained earnings to average equity (ytd only) | 247.5285% | 2 |
| Net charge-offs to loans | -0.0294% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.5343% | 1,614 |
| Assets per employee ($millions) | 7.0065% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 732 |
| Loan loss allowance to noncurrent loans | 597.9592% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 2,998 |
| Noncurrent loans to loans | 0.2860% | 2,120 |
| Net loans and leases to total assets | 26.7100% | 4,384 |
| Net loans and leases to deposits | 28.7577% | 4,413 |
| Net loans and leases to core deposits | 28.9182% | 4,414 |
| Total domestic deposits to total assets | 92.8700% | 271 |
| Equity capital to assets | 0.4845% | 4,629 |
| Core capital (leverage) ratio | 9.7794% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2497% | 380 |
| Memoranda: | ||
| Average total assets | $131,739,667 | 3,552 |
| Average earning assets | $128,139,333 | 3,481 |
| Average equity | $526,000 | 4,587 |
| Average total loans | $34,014,333 | 4,115 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,909 |
| Cost of funding earning assets | 0.7816% | 2,798 |
| Net interest margin | 3.4745% | 2,439 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.5061% | 2,229 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.3229% | 1,612 |
| Return on assets (ROA) | 1.1297% | 2,095 |
| Pretax return on assets | 1.1297% | 2,630 |
| Return on Equity (ROE) | 314.3700% | 4 |
| Retained earnings to average equity (ytd only) | 314.3744% | 3 |
| Net charge-offs to loans | -0.0236% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0965% | 2,313 |
| Assets per employee ($millions) | 7.2203% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 805 |
| Loan loss allowance to noncurrent loans | 542.4528% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,027 |
| Noncurrent loans to loans | 0.3141% | 2,020 |
| Net loans and leases to total assets | 24.1800% | 4,474 |
| Net loans and leases to deposits | 26.2701% | 4,495 |
| Net loans and leases to core deposits | 26.7792% | 4,493 |
| Total domestic deposits to total assets | 92.0400% | 502 |
| Equity capital to assets | 1.1036% | 4,653 |
| Core capital (leverage) ratio | 9.4301% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0378% | 439 |
| Memoranda: | ||
| Average total assets | $134,551,000 | 3,571 |
| Average earning assets | $131,013,000 | 3,495 |
| Average equity | $483,500 | 4,658 |
| Average total loans | $33,887,000 | 4,175 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 2,440 |
| Cost of funding earning assets | 0.6194% | 831 |
| Net interest margin | 3.1155% | 3,128 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.6044% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8100% | 3,292 |
| Return on assets (ROA) | 0.6207% | 3,778 |
| Pretax return on assets | 0.6207% | 3,997 |
| Return on Equity (ROE) | 21.3200% | 375 |
| Retained earnings to average equity (ytd only) | 21.3153% | 66 |
| Net charge-offs to loans | 0.0305% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 108.7000% | 933 |
| Efficiency ratio | 76.2767% | 984 |
| Assets per employee ($millions) | 6.9430% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 852 |
| Loan loss allowance to noncurrent loans | 496.4912% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 2,944 |
| Noncurrent loans to loans | 0.3350% | 1,951 |
| Net loans and leases to total assets | 25.3700% | 4,486 |
| Net loans and leases to deposits | 27.1966% | 4,511 |
| Net loans and leases to core deposits | 27.7377% | 4,509 |
| Total domestic deposits to total assets | 93.2700% | 350 |
| Equity capital to assets | -0.4147% | 4,711 |
| Core capital (leverage) ratio | 9.6193% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4699% | 449 |
| Memoranda: | ||
| Average total assets | $134,196,800 | 3,595 |
| Average earning assets | $130,443,600 | 3,528 |
| Average equity | $3,908,000 | 4,541 |
| Average total loans | $32,838,800 | 4,196 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6564% | 2,178 |
| Cost of funding earning assets | 0.5791% | 487 |
| Net interest margin | 3.0772% | 2,996 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.4852% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8894% | 2,911 |
| Return on assets (ROA) | 0.7895% | 3,252 |
| Pretax return on assets | 0.7895% | 3,610 |
| Return on Equity (ROE) | 21.1900% | 341 |
| Retained earnings to average equity (ytd only) | 21.1873% | 78 |
| Net charge-offs to loans | 0.0656% | 836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 56.1875% | 1,220 |
| Efficiency ratio | 73.6441% | 1,317 |
| Assets per employee ($millions) | 6.6275% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 1,010 |
| Loan loss allowance to noncurrent loans | 470.5882% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 2,998 |
| Noncurrent loans to loans | 0.3467% | 1,984 |
| Net loans and leases to total assets | 26.8100% | 4,488 |
| Net loans and leases to deposits | 28.0983% | 4,529 |
| Net loans and leases to core deposits | 28.0983% | 4,535 |
| Total domestic deposits to total assets | 95.4300% | 175 |
| Equity capital to assets | -3.1845% | 4,759 |
| Core capital (leverage) ratio | 9.2957% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1228% | 425 |
| Memoranda: | ||
| Average total assets | $134,766,750 | 3,610 |
| Average earning assets | $130,763,250 | 3,539 |
| Average equity | $5,021,750 | 4,468 |
| Average total loans | $32,541,250 | 4,221 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 2,096 |
| Cost of funding earning assets | 0.4960% | 530 |
| Net interest margin | 3.0179% | 2,832 |
| Noninterest income to average assets | 0.3587% | 3,000 |
| Noninterest expense to average assets | 2.5183% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7741% | 3,050 |
| Return on assets (ROA) | 0.7000% | 3,266 |
| Pretax return on assets | 0.7000% | 3,575 |
| Return on Equity (ROE) | 12.0015% | 1,669 |
| Retained earnings to average equity (ytd only) | 12.0015% | 604 |
| Net charge-offs to loans | -0.0689% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4888% | 1,223 |
| Assets per employee ($millions) | 6.3917% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8633% | 720 |
| Loan loss allowance to noncurrent loans | 587.0000% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,193 |
| Noncurrent loans to loans | 0.3174% | 2,203 |
| Net loans and leases to total assets | 24.1845% | 4,591 |
| Net loans and leases to deposits | 25.9894% | 4,617 |
| Net loans and leases to core deposits | 25.9894% | 4,627 |
| Total domestic deposits to total assets | 93.0551% | 502 |
| Equity capital to assets | -0.7385% | 4,765 |
| Core capital (leverage) ratio | 8.6027% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7259% | 380 |
| Memoranda: | ||
| Average total assets | $137,714,667 | 3,620 |
| Average earning assets | $133,869,000 | 3,556 |
| Average equity | $8,032,333 | 4,201 |
| Average total loans | $31,947,000 | 4,284 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3836% | 2,134 |
| Cost of funding earning assets | 0.4583% | 623 |
| Net interest margin | 2.9253% | 2,750 |
| Noninterest income to average assets | 0.3477% | 3,013 |
| Noninterest expense to average assets | 2.4338% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7599% | 2,812 |
| Return on assets (ROA) | 0.7599% | 2,806 |
| Pretax return on assets | 0.7599% | 3,227 |
| Return on Equity (ROE) | 8.6578% | 2,454 |
| Retained earnings to average equity (ytd only) | 8.6578% | 1,383 |
| Net charge-offs to loans | -0.0249% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2072% | 1,501 |
| Assets per employee ($millions) | 7.9403% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 792 |
| Loan loss allowance to noncurrent loans | 862.6866% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,569 |
| Noncurrent loans to loans | 0.2160% | 2,740 |
| Net loans and leases to total assets | 21.3026% | 4,655 |
| Net loans and leases to deposits | 24.1388% | 4,663 |
| Net loans and leases to core deposits | 24.1388% | 4,663 |
| Total domestic deposits to total assets | 88.2506% | 2,411 |
| Equity capital to assets | 4.8627% | 4,734 |
| Core capital (leverage) ratio | 7.8382% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0983% | 427 |
| Memoranda: | ||
| Average total assets | $142,655,000 | 3,591 |
| Average earning assets | $138,788,000 | 3,512 |
| Average equity | $12,520,500 | 3,808 |
| Average total loans | $32,169,000 | 4,290 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4216% | 2,877 |
| Cost of funding earning assets | 0.5241% | 822 |
| Net interest margin | 2.8975% | 3,446 |
| Noninterest income to average assets | 0.3762% | 3,178 |
| Noninterest expense to average assets | 2.1374% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0382% | 2,525 |
| Return on assets (ROA) | 1.0390% | 2,592 |
| Pretax return on assets | 1.0390% | 3,155 |
| Return on Equity (ROE) | 7.6390% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.5327% | 2,111 |
| Net charge-offs to loans | -0.0211% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3063% | 2,082 |
| Assets per employee ($millions) | 7.9102% | 1,380 |
| Cash dividends to net income (ytd only)* | 14.4823% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7261% | 993 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,970 |
| Noncurrent loans to loans | 0.0750% | 3,559 |
| Net loans and leases to total assets | 22.9928% | 4,672 |
| Net loans and leases to deposits | 28.6184% | 4,650 |
| Net loans and leases to core deposits | 28.6184% | 4,663 |
| Total domestic deposits to total assets | 80.3426% | 4,184 |
| Equity capital to assets | 12.7058% | 992 |
| Core capital (leverage) ratio | 8.2486% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5536% | 463 |
| Memoranda: | ||
| Average total assets | $132,918,800 | 3,647 |
| Average earning assets | $128,420,600 | 3,595 |
| Average equity | $18,078,200 | 3,376 |
| Average total loans | $33,118,000 | 4,312 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4443% | 2,976 |
| Cost of funding earning assets | 0.5432% | 861 |
| Net interest margin | 2.9011% | 3,549 |
| Noninterest income to average assets | 0.3615% | 3,289 |
| Noninterest expense to average assets | 2.1447% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0151% | 2,853 |
| Return on assets (ROA) | 1.0162% | 2,912 |
| Pretax return on assets | 1.0162% | 3,407 |
| Return on Equity (ROE) | 7.3396% | 3,578 |
| Retained earnings to average equity (ytd only) | 5.8643% | 2,888 |
| Net charge-offs to loans | -0.0242% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8733% | 1,854 |
| Assets per employee ($millions) | 7.7821% | 1,390 |
| Cash dividends to net income (ytd only)* | 20.1005% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 1,143 |
| Loan loss allowance to noncurrent loans | 1,854.8387% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,024 |
| Noncurrent loans to loans | 0.0906% | 3,625 |
| Net loans and leases to total assets | 25.4288% | 4,721 |
| Net loans and leases to deposits | 32.7397% | 4,661 |
| Net loans and leases to core deposits | 32.7397% | 4,679 |
| Total domestic deposits to total assets | 77.6696% | 4,451 |
| Equity capital to assets | 13.8577% | 767 |
| Core capital (leverage) ratio | 8.2566% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9132% | 542 |
| Memoranda: | ||
| Average total assets | $130,552,500 | 3,706 |
| Average earning assets | $125,924,500 | 3,650 |
| Average equity | $18,075,000 | 3,422 |
| Average total loans | $33,069,250 | 4,373 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4103% | 3,155 |
| Cost of funding earning assets | 0.5497% | 942 |
| Net interest margin | 2.8606% | 3,654 |
| Noninterest income to average assets | 0.3231% | 3,493 |
| Noninterest expense to average assets | 2.1158% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9617% | 3,028 |
| Return on assets (ROA) | 0.9617% | 3,109 |
| Pretax return on assets | 0.9617% | 3,522 |
| Return on Equity (ROE) | 6.9487% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.9487% | 2,452 |
| Net charge-offs to loans | -0.0245% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 1,789 |
| Assets per employee ($millions) | 8.7267% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 869 |
| Loan loss allowance to noncurrent loans | 1,591.6667% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 3,185 |
| Noncurrent loans to loans | 0.1137% | 3,621 |
| Net loans and leases to total assets | 23.7477% | 4,785 |
| Net loans and leases to deposits | 30.6553% | 4,744 |
| Net loans and leases to core deposits | 30.6553% | 4,767 |
| Total domestic deposits to total assets | 77.4669% | 4,484 |
| Equity capital to assets | 13.8899% | 736 |
| Core capital (leverage) ratio | 8.3562% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7224% | 500 |
| Memoranda: | ||
| Average total assets | $129,971,667 | 3,726 |
| Average earning assets | $125,150,667 | 3,678 |
| Average equity | $17,989,000 | 3,427 |
| Average total loans | $32,687,000 | 4,415 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3702% | 3,285 |
| Cost of funding earning assets | 0.5612% | 1,043 |
| Net interest margin | 2.8090% | 3,742 |
| Noninterest income to average assets | 0.3089% | 3,560 |
| Noninterest expense to average assets | 2.1497% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8648% | 3,223 |
| Return on assets (ROA) | 0.8648% | 3,309 |
| Pretax return on assets | 0.8648% | 3,683 |
| Return on Equity (ROE) | 6.2596% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.2596% | 2,806 |
| Net charge-offs to loans | -0.0241% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3115% | 1,568 |
| Assets per employee ($millions) | 8.1581% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 952 |
| Loan loss allowance to noncurrent loans | 263.1336% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 3,331 |
| Noncurrent loans to loans | 0.6626% | 1,915 |
| Net loans and leases to total assets | 24.6512% | 4,801 |
| Net loans and leases to deposits | 31.4576% | 4,774 |
| Net loans and leases to core deposits | 31.4576% | 4,792 |
| Total domestic deposits to total assets | 78.3634% | 4,401 |
| Equity capital to assets | 12.9006% | 944 |
| Core capital (leverage) ratio | 8.0543% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9081% | 521 |
| Memoranda: | ||
| Average total assets | $129,507,000 | 3,745 |
| Average earning assets | $124,741,000 | 3,680 |
| Average equity | $17,892,500 | 3,429 |
| Average total loans | $33,201,000 | 4,429 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7765% | 3,371 |
| Cost of funding earning assets | 0.6436% | 2,040 |
| Net interest margin | 3.1329% | 3,540 |
| Noninterest income to average assets | 0.3116% | 3,613 |
| Noninterest expense to average assets | 2.3566% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9967% | 2,302 |
| Return on assets (ROA) | 1.1740% | 1,750 |
| Pretax return on assets | 1.1740% | 2,425 |
| Return on Equity (ROE) | 8.3945% | 2,653 |
| Retained earnings to average equity (ytd only) | 2.8556% | 3,444 |
| Net charge-offs to loans | -0.0157% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2772% | 1,912 |
| Assets per employee ($millions) | 6.7624% | 1,730 |
| Cash dividends to net income (ytd only)* | 65.9824% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 1,064 |
| Loan loss allowance to noncurrent loans | 264.6512% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 3,436 |
| Noncurrent loans to loans | 0.6389% | 2,087 |
| Net loans and leases to total assets | 25.7501% | 4,826 |
| Net loans and leases to deposits | 33.7395% | 4,791 |
| Net loans and leases to core deposits | 33.7395% | 4,810 |
| Total domestic deposits to total assets | 76.3202% | 4,487 |
| Equity capital to assets | 14.7457% | 618 |
| Core capital (leverage) ratio | 8.4014% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3164% | 555 |
| Memoranda: | ||
| Average total assets | $116,185,800 | 3,793 |
| Average earning assets | $112,803,200 | 3,723 |
| Average equity | $16,248,800 | 3,526 |
| Average total loans | $31,922,800 | 4,483 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8305% | 3,473 |
| Cost of funding earning assets | 0.6604% | 2,268 |
| Net interest margin | 3.1701% | 3,565 |
| Noninterest income to average assets | 0.3041% | 3,668 |
| Noninterest expense to average assets | 2.4259% | 3,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9678% | 2,460 |
| Return on assets (ROA) | 1.1799% | 1,831 |
| Pretax return on assets | 1.1799% | 2,456 |
| Return on Equity (ROE) | 8.5693% | 2,576 |
| Retained earnings to average equity (ytd only) | 6.8572% | 1,755 |
| Net charge-offs to loans | -0.0169% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4832% | 1,698 |
| Assets per employee ($millions) | 6.3040% | 1,993 |
| Cash dividends to net income (ytd only)* | 19.9800% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 890 |
| Loan loss allowance to noncurrent loans | 259.3607% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 3,514 |
| Noncurrent loans to loans | 0.6572% | 2,148 |
| Net loans and leases to total assets | 27.3452% | 4,863 |
| Net loans and leases to deposits | 37.1193% | 4,808 |
| Net loans and leases to core deposits | 37.1193% | 4,831 |
| Total domestic deposits to total assets | 73.6683% | 4,591 |
| Equity capital to assets | 15.7995% | 494 |
| Core capital (leverage) ratio | 8.9315% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,111,000 | 3,831 |
| Average earning assets | $110,236,000 | 3,751 |
| Average equity | $15,574,500 | 3,601 |
| Average total loans | $31,490,000 | 4,515 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 3,571 |
| Cost of funding earning assets | 0.6758% | 2,523 |
| Net interest margin | 3.2399% | 3,555 |
| Noninterest income to average assets | 0.3012% | 3,663 |
| Noninterest expense to average assets | 2.4583% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9992% | 2,334 |
| Return on assets (ROA) | 1.1994% | 1,768 |
| Pretax return on assets | 1.1994% | 2,367 |
| Return on Equity (ROE) | 9.1991% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.4324% | 1,887 |
| Net charge-offs to loans | -0.0130% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1007% | 1,809 |
| Assets per employee ($millions) | 5.9025% | 2,268 |
| Cash dividends to net income (ytd only)* | 30.0752% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 611 |
| Loan loss allowance to noncurrent loans | 252.6786% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,583 |
| Noncurrent loans to loans | 0.7246% | 2,066 |
| Net loans and leases to total assets | 25.7078% | 4,914 |
| Net loans and leases to deposits | 34.3059% | 4,880 |
| Net loans and leases to core deposits | 34.3059% | 4,896 |
| Total domestic deposits to total assets | 74.9369% | 4,525 |
| Equity capital to assets | 15.4731% | 542 |
| Core capital (leverage) ratio | 9.2370% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,889,333 | 3,855 |
| Average earning assets | $108,026,667 | 3,772 |
| Average equity | $14,458,000 | 3,710 |
| Average total loans | $30,879,667 | 4,548 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,743 |
| Cost of funding earning assets | 0.7086% | 2,898 |
| Net interest margin | 3.3091% | 3,570 |
| Noninterest income to average assets | 0.3243% | 3,582 |
| Noninterest expense to average assets | 2.6205% | 2,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9244% | 2,440 |
| Return on assets (ROA) | 1.2338% | 1,523 |
| Pretax return on assets | 1.2338% | 2,089 |
| Return on Equity (ROE) | 10.5464% | 1,555 |
| Retained earnings to average equity (ytd only) | 4.1740% | 2,614 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9222% | 1,829 |
| Assets per employee ($millions) | 5.6043% | 2,023 |
| Cash dividends to net income (ytd only)* | 60.4230% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8167% | 690 |
| Loan loss allowance to noncurrent loans | 246.2882% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 3,554 |
| Noncurrent loans to loans | 0.7376% | 2,158 |
| Net loans and leases to total assets | 28.6267% | 4,925 |
| Net loans and leases to deposits | 36.0022% | 4,909 |
| Net loans and leases to core deposits | 36.0022% | 4,927 |
| Total domestic deposits to total assets | 79.5137% | 3,954 |
| Equity capital to assets | 9.8215% | 3,940 |
| Core capital (leverage) ratio | 9.2578% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,309,000 | 3,877 |
| Average earning assets | $104,438,500 | 3,812 |
| Average equity | $12,554,000 | 3,936 |
| Average total loans | $30,862,500 | 4,574 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 3,822 |
| Cost of funding earning assets | 0.7754% | 2,796 |
| Net interest margin | 3.4197% | 3,682 |
| Noninterest income to average assets | 0.4008% | 3,288 |
| Noninterest expense to average assets | 2.5824% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1387% | 2,294 |
| Return on assets (ROA) | 1.1396% | 2,395 |
| Pretax return on assets | 1.1396% | 3,042 |
| Return on Equity (ROE) | 9.2035% | 2,655 |
| Retained earnings to average equity (ytd only) | -0.0834% | 4,713 |
| Net charge-offs to loans | 0.0283% | 2,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 134.7778% | 539 |
| Efficiency ratio | 69.3996% | 2,265 |
| Assets per employee ($millions) | 5.6914% | 1,881 |
| Cash dividends to net income (ytd only)* | 100.9061% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 618 |
| Loan loss allowance to noncurrent loans | 241.0256% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 3,528 |
| Noncurrent loans to loans | 0.7627% | 1,990 |
| Net loans and leases to total assets | 27.8489% | 4,998 |
| Net loans and leases to deposits | 36.3923% | 4,971 |
| Net loans and leases to core deposits | 36.3923% | 4,989 |
| Total domestic deposits to total assets | 76.5242% | 4,544 |
| Equity capital to assets | 13.5476% | 1,256 |
| Core capital (leverage) ratio | 9.0913% | 4,454 |
| Tier 1 risk-based capital ratio | 23.7023% | 852 |
| Total risk-based capital ratio | 24.9547% | 839 |
| Memoranda: | ||
| Average total assets | $106,528,200 | 3,887 |
| Average earning assets | $103,431,400 | 3,809 |
| Average equity | $13,190,600 | 3,872 |
| Average total loans | $31,799,200 | 4,605 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2352% | 3,845 |
| Cost of funding earning assets | 0.7926% | 2,753 |
| Net interest margin | 3.4426% | 3,751 |
| Noninterest income to average assets | 0.3794% | 3,439 |
| Noninterest expense to average assets | 2.6132% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1056% | 2,552 |
| Return on assets (ROA) | 1.1068% | 2,635 |
| Pretax return on assets | 1.1068% | 3,277 |
| Return on Equity (ROE) | 9.1585% | 2,823 |
| Retained earnings to average equity (ytd only) | -1.4970% | 4,897 |
| Net charge-offs to loans | 0.0457% | 2,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 79.9796% | 859 |
| Efficiency ratio | 70.2703% | 2,079 |
| Assets per employee ($millions) | 5.7034% | 1,847 |
| Cash dividends to net income (ytd only)* | 116.3446% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8446% | 618 |
| Loan loss allowance to noncurrent loans | 631.4607% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 4,236 |
| Noncurrent loans to loans | 0.2921% | 3,488 |
| Net loans and leases to total assets | 27.5965% | 5,096 |
| Net loans and leases to deposits | 35.8883% | 5,065 |
| Net loans and leases to core deposits | 35.8883% | 5,083 |
| Total domestic deposits to total assets | 76.8957% | 4,528 |
| Equity capital to assets | 13.7249% | 1,263 |
| Core capital (leverage) ratio | 9.2113% | 4,469 |
| Tier 1 risk-based capital ratio | 23.9571% | 845 |
| Total risk-based capital ratio | 25.2106% | 830 |
| Memoranda: | ||
| Average total assets | $106,126,000 | 3,936 |
| Average earning assets | $102,944,000 | 3,861 |
| Average equity | $12,825,750 | 3,939 |
| Average total loans | $32,079,250 | 4,665 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 3,605 |
| Cost of funding earning assets | 0.8011% | 2,636 |
| Net interest margin | 3.5101% | 3,565 |
| Noninterest income to average assets | 0.3568% | 3,543 |
| Noninterest expense to average assets | 2.5982% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1596% | 2,293 |
| Return on assets (ROA) | 1.1520% | 2,391 |
| Pretax return on assets | 1.1520% | 3,072 |
| Return on Equity (ROE) | 9.9973% | 2,392 |
| Retained earnings to average equity (ytd only) | 1.3505% | 4,335 |
| Net charge-offs to loans | -0.0429% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1414% | 2,360 |
| Assets per employee ($millions) | 5.5788% | 1,894 |
| Cash dividends to net income (ytd only)* | 86.4909% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 618 |
| Loan loss allowance to noncurrent loans | 527.2727% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 4,174 |
| Noncurrent loans to loans | 0.3521% | 3,289 |
| Net loans and leases to total assets | 28.9253% | 5,114 |
| Net loans and leases to deposits | 37.4076% | 5,088 |
| Net loans and leases to core deposits | 37.4076% | 5,113 |
| Total domestic deposits to total assets | 77.3248% | 4,518 |
| Equity capital to assets | 13.0343% | 1,567 |
| Core capital (leverage) ratio | 9.4205% | 4,226 |
| Tier 1 risk-based capital ratio | 24.1084% | 838 |
| Total risk-based capital ratio | 25.3605% | 820 |
| Memoranda: | ||
| Average total assets | $105,379,670 | 3,968 |
| Average earning assets | $102,104,330 | 3,896 |
| Average equity | $12,143,330 | 4,024 |
| Average total loans | $32,616,670 | 4,690 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 3,415 |
| Cost of funding earning assets | 0.8173% | 2,441 |
| Net interest margin | 3.5286% | 3,505 |
| Noninterest income to average assets | 0.3350% | 3,623 |
| Noninterest expense to average assets | 2.6420% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1116% | 2,428 |
| Return on assets (ROA) | 1.1116% | 2,474 |
| Pretax return on assets | 1.1116% | 3,111 |
| Return on Equity (ROE) | 10.3299% | 2,230 |
| Retained earnings to average equity (ytd only) | 2.3702% | 3,961 |
| Net charge-offs to loans | -0.0841% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3854% | 2,277 |
| Assets per employee ($millions) | 5.5646% | 1,926 |
| Cash dividends to net income (ytd only)* | 77.0548% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 716 |
| Loan loss allowance to noncurrent loans | 487.3950% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 4,169 |
| Noncurrent loans to loans | 0.3674% | 3,265 |
| Net loans and leases to total assets | 30.0885% | 5,148 |
| Net loans and leases to deposits | 38.2351% | 5,107 |
| Net loans and leases to core deposits | 38.2351% | 5,133 |
| Total domestic deposits to total assets | 78.6934% | 4,401 |
| Equity capital to assets | 11.6336% | 2,289 |
| Core capital (leverage) ratio | 9.4852% | 4,147 |
| Tier 1 risk-based capital ratio | 23.3105% | 906 |
| Total risk-based capital ratio | 24.5654% | 883 |
| Memoranda: | ||
| Average total assets | $105,071,000 | 4,020 |
| Average earning assets | $101,796,500 | 3,944 |
| Average equity | $11,307,000 | 4,150 |
| Average total loans | $33,305,000 | 4,723 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 3,093 |
| Cost of funding earning assets | 0.8080% | 1,482 |
| Net interest margin | 3.4973% | 3,714 |
| Noninterest income to average assets | 0.5315% | 2,648 |
| Noninterest expense to average assets | 2.5337% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3799% | 1,503 |
| Return on assets (ROA) | 1.2841% | 1,858 |
| Pretax return on assets | 1.2841% | 2,563 |
| Return on Equity (ROE) | 13.4714% | 1,184 |
| Retained earnings to average equity (ytd only) | 4.4302% | 3,095 |
| Net charge-offs to loans | 0.0206% | 3,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 205.8571% | 446 |
| Efficiency ratio | 64.7419% | 3,077 |
| Assets per employee ($millions) | 5.4955% | 1,958 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 876 |
| Loan loss allowance to noncurrent loans | 331.2139% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 3,996 |
| Noncurrent loans to loans | 0.5056% | 2,755 |
| Net loans and leases to total assets | 32.2227% | 5,167 |
| Net loans and leases to deposits | 40.1281% | 5,121 |
| Net loans and leases to core deposits | 40.1281% | 5,160 |
| Total domestic deposits to total assets | 80.2996% | 4,042 |
| Equity capital to assets | 9.8780% | 3,782 |
| Core capital (leverage) ratio | 9.5428% | 4,071 |
| Tier 1 risk-based capital ratio | 22.2517% | 992 |
| Total risk-based capital ratio | 23.5009% | 972 |
| Memoranda: | ||
| Average total assets | $104,430,600 | 4,024 |
| Average earning assets | $100,992,400 | 3,962 |
| Average equity | $9,954,400 | 4,303 |
| Average total loans | $34,003,600 | 4,716 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 3,035 |
| Cost of funding earning assets | 0.7969% | 1,356 |
| Net interest margin | 3.4831% | 3,751 |
| Noninterest income to average assets | 0.5783% | 2,428 |
| Noninterest expense to average assets | 2.5712% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3775% | 1,566 |
| Return on assets (ROA) | 1.3073% | 1,831 |
| Pretax return on assets | 1.3073% | 2,598 |
| Return on Equity (ROE) | 13.8405% | 1,164 |
| Retained earnings to average equity (ytd only) | 4.3792% | 3,569 |
| Net charge-offs to loans | 0.0275% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 154.1940% | 535 |
| Efficiency ratio | 65.1148% | 3,017 |
| Assets per employee ($millions) | 5.3639% | 2,065 |
| Cash dividends to net income (ytd only)* | 68.3593% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 870 |
| Loan loss allowance to noncurrent loans | 329.3103% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,097 |
| Noncurrent loans to loans | 0.5160% | 2,837 |
| Net loans and leases to total assets | 32.5222% | 5,232 |
| Net loans and leases to deposits | 40.7954% | 5,190 |
| Net loans and leases to core deposits | 40.7954% | 5,225 |
| Total domestic deposits to total assets | 79.7204% | 4,172 |
| Equity capital to assets | 8.9830% | 4,561 |
| Core capital (leverage) ratio | 9.4959% | 4,177 |
| Tier 1 risk-based capital ratio | 22.2884% | 1,011 |
| Total risk-based capital ratio | 23.5387% | 990 |
| Memoranda: | ||
| Average total assets | $104,434,750 | 4,064 |
| Average earning assets | $101,055,500 | 3,996 |
| Average equity | $9,864,500 | 4,360 |
| Average total loans | $33,950,000 | 4,767 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 2,884 |
| Cost of funding earning assets | 0.7740% | 1,262 |
| Net interest margin | 3.4930% | 3,654 |
| Noninterest income to average assets | 0.6535% | 2,075 |
| Noninterest expense to average assets | 2.5476% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4837% | 1,192 |
| Return on assets (ROA) | 1.3792% | 1,509 |
| Pretax return on assets | 1.3792% | 2,220 |
| Return on Equity (ROE) | 14.3748% | 991 |
| Retained earnings to average equity (ytd only) | 4.4748% | 3,362 |
| Net charge-offs to loans | 0.0588% | 1,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 78.1000% | 833 |
| Efficiency ratio | 63.1951% | 3,436 |
| Assets per employee ($millions) | 4.8875% | 2,578 |
| Cash dividends to net income (ytd only)* | 68.8705% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 1,013 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 3,708 |
| Noncurrent loans to loans | 0.6898% | 2,383 |
| Net loans and leases to total assets | 33.3428% | 5,258 |
| Net loans and leases to deposits | 41.6083% | 5,203 |
| Net loans and leases to core deposits | 41.6083% | 5,248 |
| Total domestic deposits to total assets | 80.1348% | 4,207 |
| Equity capital to assets | 9.6076% | 3,997 |
| Core capital (leverage) ratio | 9.1842% | 4,484 |
| Tier 1 risk-based capital ratio | 21.4257% | 1,106 |
| Total risk-based capital ratio | 22.6800% | 1,086 |
| Memoranda: | ||
| Average total assets | $105,274,670 | 4,088 |
| Average earning assets | $101,804,000 | 4,022 |
| Average equity | $10,101,000 | 4,368 |
| Average total loans | $34,027,330 | 4,808 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 3,056 |
| Cost of funding earning assets | 0.7576% | 1,152 |
| Net interest margin | 3.3956% | 3,901 |
| Noninterest income to average assets | 0.3190% | 4,021 |
| Noninterest expense to average assets | 2.6230% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9757% | 2,963 |
| Return on assets (ROA) | 0.9907% | 2,917 |
| Pretax return on assets | 0.9907% | 3,572 |
| Return on Equity (ROE) | 10.3317% | 2,262 |
| Retained earnings to average equity (ytd only) | -1.4089% | 4,954 |
| Net charge-offs to loans | 0.1427% | 959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,426 |
| Efficiency ratio | 72.8884% | 2,056 |
| Assets per employee ($millions) | 5.3289% | 2,115 |
| Cash dividends to net income (ytd only)* | 113.6364% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6843% | 986 |
| Loan loss allowance to noncurrent loans | 258.1818% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 3,996 |
| Noncurrent loans to loans | 0.6524% | 2,593 |
| Net loans and leases to total assets | 31.1096% | 5,345 |
| Net loans and leases to deposits | 38.3036% | 5,311 |
| Net loans and leases to core deposits | 38.3036% | 5,349 |
| Total domestic deposits to total assets | 81.2185% | 4,150 |
| Equity capital to assets | 8.8930% | 4,669 |
| Core capital (leverage) ratio | 8.8578% | 4,843 |
| Tier 1 risk-based capital ratio | 20.9447% | 1,210 |
| Total risk-based capital ratio | 22.1918% | 1,185 |
| Memoranda: | ||
| Average total assets | $106,593,500 | 4,113 |
| Average earning assets | $102,958,000 | 4,046 |
| Average equity | $10,221,000 | 4,398 |
| Average total loans | $33,645,000 | 4,874 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 2,546 |
| Cost of funding earning assets | 0.7691% | 739 |
| Net interest margin | 3.4690% | 3,624 |
| Noninterest income to average assets | 0.4663% | 3,214 |
| Noninterest expense to average assets | 2.7864% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0021% | 2,230 |
| Return on assets (ROA) | 1.3295% | 1,183 |
| Pretax return on assets | 1.3295% | 2,252 |
| Return on Equity (ROE) | 12.7338% | 1,016 |
| Retained earnings to average equity (ytd only) | 4.5302% | 2,434 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5494% | 1,969 |
| Assets per employee ($millions) | 4.8459% | 2,678 |
| Cash dividends to net income (ytd only)* | 64.4238% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 894 |
| Loan loss allowance to noncurrent loans | 227.4510% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 3,943 |
| Noncurrent loans to loans | 0.7597% | 2,304 |
| Net loans and leases to total assets | 30.9411% | 5,421 |
| Net loans and leases to deposits | 38.7619% | 5,369 |
| Net loans and leases to core deposits | 38.7619% | 5,408 |
| Total domestic deposits to total assets | 79.8235% | 4,369 |
| Equity capital to assets | 10.2843% | 3,399 |
| Core capital (leverage) ratio | 8.8478% | 4,809 |
| Tier 1 risk-based capital ratio | 20.8953% | 1,160 |
| Total risk-based capital ratio | 22.1504% | 1,140 |
| Memoranda: | ||
| Average total assets | $105,080,800 | 4,153 |
| Average earning assets | $100,635,000 | 4,088 |
| Average equity | $10,970,800 | 4,302 |
| Average total loans | $34,569,600 | 4,884 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 2,370 |
| Cost of funding earning assets | 0.7714% | 682 |
| Net interest margin | 3.4961% | 3,514 |
| Noninterest income to average assets | 0.4954% | 3,055 |
| Noninterest expense to average assets | 2.8984% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9385% | 2,839 |
| Return on assets (ROA) | 1.4199% | 1,075 |
| Pretax return on assets | 1.4199% | 2,061 |
| Return on Equity (ROE) | 13.5487% | 920 |
| Retained earnings to average equity (ytd only) | 5.0428% | 2,867 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5393% | 1,656 |
| Assets per employee ($millions) | 4.5010% | 3,143 |
| Cash dividends to net income (ytd only)* | 62.7802% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 995 |
| Loan loss allowance to noncurrent loans | 227.4510% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 4,076 |
| Noncurrent loans to loans | 0.7555% | 2,471 |
| Net loans and leases to total assets | 32.0431% | 5,453 |
| Net loans and leases to deposits | 40.9263% | 5,392 |
| Net loans and leases to core deposits | 41.0697% | 5,438 |
| Total domestic deposits to total assets | 78.2947% | 4,674 |
| Equity capital to assets | 11.3337% | 2,542 |
| Core capital (leverage) ratio | 9.0300% | 4,706 |
| Tier 1 risk-based capital ratio | 21.3517% | 1,137 |
| Total risk-based capital ratio | 22.6065% | 1,119 |
| Memoranda: | ||
| Average total assets | $104,698,750 | 4,202 |
| Average earning assets | $100,071,000 | 4,135 |
| Average equity | $10,972,500 | 4,343 |
| Average total loans | $34,820,500 | 4,925 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 2,240 |
| Cost of funding earning assets | 0.7523% | 679 |
| Net interest margin | 3.5121% | 3,350 |
| Noninterest income to average assets | 0.5690% | 2,608 |
| Noninterest expense to average assets | 3.0279% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9173% | 2,821 |
| Return on assets (ROA) | 1.6196% | 693 |
| Pretax return on assets | 1.6196% | 1,283 |
| Return on Equity (ROE) | 15.8783% | 547 |
| Retained earnings to average equity (ytd only) | 6.5491% | 1,817 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7487% | 1,614 |
| Assets per employee ($millions) | 4.8750% | 2,544 |
| Cash dividends to net income (ytd only)* | 58.7544% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 1,212 |
| Loan loss allowance to noncurrent loans | 327.6836% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 4,451 |
| Noncurrent loans to loans | 0.4950% | 3,270 |
| Net loans and leases to total assets | 34.3580% | 5,433 |
| Net loans and leases to deposits | 44.0308% | 5,341 |
| Net loans and leases to core deposits | 44.1868% | 5,392 |
| Total domestic deposits to total assets | 78.0317% | 4,811 |
| Equity capital to assets | 11.4256% | 2,391 |
| Core capital (leverage) ratio | 8.8996% | 4,841 |
| Tier 1 risk-based capital ratio | 20.6079% | 1,258 |
| Total risk-based capital ratio | 21.8587% | 1,228 |
| Memoranda: | ||
| Average total assets | $105,090,670 | 4,222 |
| Average earning assets | $101,022,670 | 4,148 |
| Average equity | $10,719,000 | 4,404 |
| Average total loans | $35,176,670 | 4,949 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 2,076 |
| Cost of funding earning assets | 0.7326% | 715 |
| Net interest margin | 3.5257% | 3,178 |
| Noninterest income to average assets | 0.3532% | 4,015 |
| Noninterest expense to average assets | 2.7130% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0221% | 2,217 |
| Return on assets (ROA) | 1.0822% | 1,983 |
| Pretax return on assets | 1.0822% | 3,052 |
| Return on Equity (ROE) | 11.2610% | 1,480 |
| Retained earnings to average equity (ytd only) | -0.4692% | 4,992 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6358% | 2,466 |
| Assets per employee ($millions) | 5.0934% | 2,317 |
| Cash dividends to net income (ytd only)* | 104.1667% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 633 |
| Loan loss allowance to noncurrent loans | 444.5860% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,867 |
| Noncurrent loans to loans | 0.4568% | 3,462 |
| Net loans and leases to total assets | 31.4794% | 5,554 |
| Net loans and leases to deposits | 39.2871% | 5,493 |
| Net loans and leases to core deposits | 39.4168% | 5,539 |
| Total domestic deposits to total assets | 80.1266% | 4,593 |
| Equity capital to assets | 9.8016% | 3,975 |
| Core capital (leverage) ratio | 8.3369% | 5,352 |
| Tier 1 risk-based capital ratio | 19.7039% | 1,446 |
| Total risk-based capital ratio | 20.9621% | 1,421 |
| Memoranda: | ||
| Average total assets | $106,448,500 | 4,236 |
| Average earning assets | $102,108,500 | 4,173 |
| Average equity | $10,230,000 | 4,507 |
| Average total loans | $34,888,000 | 5,003 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 2,056 |
| Cost of funding earning assets | 0.7582% | 611 |
| Net interest margin | 3.5680% | 3,197 |
| Noninterest income to average assets | 0.2782% | 4,754 |
| Noninterest expense to average assets | 2.6034% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1119% | 1,852 |
| Return on assets (ROA) | 1.0635% | 2,172 |
| Pretax return on assets | 1.0635% | 3,243 |
| Return on Equity (ROE) | 9.4192% | 2,224 |
| Retained earnings to average equity (ytd only) | -1.2938% | 5,477 |
| Net charge-offs to loans | 0.0164% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 199.1667% | 344 |
| Efficiency ratio | 70.0726% | 2,888 |
| Assets per employee ($millions) | 5.2968% | 2,061 |
| Cash dividends to net income (ytd only)* | 113.7358% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9714% | 691 |
| Loan loss allowance to noncurrent loans | 1,041.7910% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 4,340 |
| Noncurrent loans to loans | 0.1892% | 4,485 |
| Net loans and leases to total assets | 32.7644% | 5,579 |
| Net loans and leases to deposits | 40.7631% | 5,526 |
| Net loans and leases to core deposits | 40.8981% | 5,576 |
| Total domestic deposits to total assets | 80.3776% | 4,488 |
| Equity capital to assets | 9.4171% | 4,356 |
| Core capital (leverage) ratio | 8.0477% | 5,596 |
| Tier 1 risk-based capital ratio | 19.4978% | 1,478 |
| Total risk-based capital ratio | 20.7478% | 1,440 |
| Memoranda: | ||
| Average total assets | $107,474,000 | 4,214 |
| Average earning assets | $103,531,400 | 4,128 |
| Average equity | $12,134,800 | 4,231 |
| Average total loans | $36,682,800 | 4,998 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,047 |
| Cost of funding earning assets | 0.7595% | 610 |
| Net interest margin | 3.5781% | 3,166 |
| Noninterest income to average assets | 0.2695% | 4,847 |
| Noninterest expense to average assets | 2.6219% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0952% | 2,022 |
| Return on assets (ROA) | 1.0903% | 2,141 |
| Pretax return on assets | 1.0903% | 3,270 |
| Return on Equity (ROE) | 9.2782% | 2,366 |
| Retained earnings to average equity (ytd only) | -1.2413% | 5,519 |
| Net charge-offs to loans | 0.0252% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 126.6131% | 547 |
| Efficiency ratio | 70.5354% | 2,818 |
| Assets per employee ($millions) | 5.1839% | 2,157 |
| Cash dividends to net income (ytd only)* | 113.3787% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 784 |
| Loan loss allowance to noncurrent loans | 1,010.1449% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,500 |
| Noncurrent loans to loans | 0.1931% | 4,575 |
| Net loans and leases to total assets | 32.1796% | 5,674 |
| Net loans and leases to deposits | 41.9623% | 5,581 |
| Net loans and leases to core deposits | 42.1041% | 5,632 |
| Total domestic deposits to total assets | 76.6868% | 5,136 |
| Equity capital to assets | 12.2588% | 1,933 |
| Core capital (leverage) ratio | 8.2466% | 5,542 |
| Tier 1 risk-based capital ratio | 19.7659% | 1,492 |
| Total risk-based capital ratio | 21.0229% | 1,454 |
| Memoranda: | ||
| Average total assets | $107,858,750 | 4,238 |
| Average earning assets | $103,926,500 | 4,144 |
| Average equity | $12,674,500 | 4,178 |
| Average total loans | $37,001,750 | 5,027 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 1,842 |
| Cost of funding earning assets | 0.7625% | 593 |
| Net interest margin | 3.6328% | 2,966 |
| Noninterest income to average assets | 0.2716% | 4,843 |
| Noninterest expense to average assets | 2.5948% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1774% | 1,677 |
| Return on assets (ROA) | 1.1700% | 1,799 |
| Pretax return on assets | 1.1700% | 2,905 |
| Return on Equity (ROE) | 10.1036% | 2,002 |
| Retained earnings to average equity (ytd only) | -1.1405% | 5,455 |
| Net charge-offs to loans | 0.0374% | 2,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 90.4286% | 631 |
| Efficiency ratio | 68.7870% | 3,196 |
| Assets per employee ($millions) | 4.4940% | 3,042 |
| Cash dividends to net income (ytd only)* | 111.2878% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 938 |
| Loan loss allowance to noncurrent loans | 929.3333% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 4,520 |
| Noncurrent loans to loans | 0.2018% | 4,635 |
| Net loans and leases to total assets | 33.8161% | 5,684 |
| Net loans and leases to deposits | 44.2644% | 5,551 |
| Net loans and leases to core deposits | 44.4154% | 5,612 |
| Total domestic deposits to total assets | 76.3956% | 5,236 |
| Equity capital to assets | 12.3905% | 1,842 |
| Core capital (leverage) ratio | 8.3357% | 5,504 |
| Tier 1 risk-based capital ratio | 19.3837% | 1,599 |
| Total risk-based capital ratio | 20.6358% | 1,557 |
| Memoranda: | ||
| Average total assets | $107,524,670 | 4,277 |
| Average earning assets | $103,611,330 | 4,183 |
| Average equity | $12,451,000 | 4,244 |
| Average total loans | $37,426,330 | 5,060 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 1,925 |
| Cost of funding earning assets | 0.7585% | 608 |
| Net interest margin | 3.6029% | 3,071 |
| Noninterest income to average assets | 0.2422% | 5,005 |
| Noninterest expense to average assets | 2.7012% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0097% | 2,230 |
| Return on assets (ROA) | 1.0097% | 2,347 |
| Pretax return on assets | 1.0097% | 3,443 |
| Return on Equity (ROE) | 9.0375% | 2,408 |
| Retained earnings to average equity (ytd only) | -4.3020% | 5,566 |
| Net charge-offs to loans | 0.0107% | 2,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 223 |
| Efficiency ratio | 72.7912% | 2,681 |
| Assets per employee ($millions) | 4.7064% | 2,732 |
| Cash dividends to net income (ytd only)* | 147.6015% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 1,078 |
| Loan loss allowance to noncurrent loans | 491.6084% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 4,344 |
| Noncurrent loans to loans | 0.3740% | 4,095 |
| Net loans and leases to total assets | 34.6750% | 5,691 |
| Net loans and leases to deposits | 45.5097% | 5,535 |
| Net loans and leases to core deposits | 45.6647% | 5,604 |
| Total domestic deposits to total assets | 76.1926% | 5,387 |
| Equity capital to assets | 11.2917% | 2,635 |
| Core capital (leverage) ratio | 8.3519% | 5,514 |
| Tier 1 risk-based capital ratio | 18.5953% | 1,826 |
| Total risk-based capital ratio | 19.8505% | 1,783 |
| Memoranda: | ||
| Average total assets | $107,358,500 | 4,319 |
| Average earning assets | $103,362,000 | 4,227 |
| Average equity | $11,994,500 | 4,336 |
| Average total loans | $37,554,500 | 5,096 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 1,725 |
| Cost of funding earning assets | 0.7587% | 613 |
| Net interest margin | 3.6975% | 2,756 |
| Noninterest income to average assets | 0.5945% | 2,745 |
| Noninterest expense to average assets | 2.6315% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5010% | 866 |
| Return on assets (ROA) | 1.5672% | 778 |
| Pretax return on assets | 1.5672% | 1,352 |
| Return on Equity (ROE) | 14.5449% | 757 |
| Retained earnings to average equity (ytd only) | 5.7723% | 1,914 |
| Net charge-offs to loans | -0.1735% | 5,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6780% | 4,334 |
| Assets per employee ($millions) | 4.2588% | 3,471 |
| Cash dividends to net income (ytd only)* | 60.3136% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 939 |
| Loan loss allowance to noncurrent loans | 581.8182% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 4,429 |
| Noncurrent loans to loans | 0.3282% | 4,285 |
| Net loans and leases to total assets | 33.9695% | 5,779 |
| Net loans and leases to deposits | 43.7889% | 5,657 |
| Net loans and leases to core deposits | 43.9373% | 5,716 |
| Total domestic deposits to total assets | 77.5756% | 5,232 |
| Equity capital to assets | 11.0511% | 2,770 |
| Core capital (leverage) ratio | 8.4612% | 5,465 |
| Tier 1 risk-based capital ratio | 18.8789% | 1,728 |
| Total risk-based capital ratio | 20.1308% | 1,693 |
| Memoranda: | ||
| Average total assets | $105,795,000 | 4,339 |
| Average earning assets | $101,231,800 | 4,256 |
| Average equity | $11,399,200 | 4,408 |
| Average total loans | $36,317,400 | 5,144 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 1,762 |
| Cost of funding earning assets | 0.7564% | 626 |
| Net interest margin | 3.6923% | 2,802 |
| Noninterest income to average assets | 0.6892% | 2,285 |
| Noninterest expense to average assets | 2.6407% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5791% | 812 |
| Return on assets (ROA) | 1.6851% | 667 |
| Pretax return on assets | 1.6851% | 1,145 |
| Return on Equity (ROE) | 15.7414% | 630 |
| Retained earnings to average equity (ytd only) | 6.3084% | 2,062 |
| Net charge-offs to loans | -0.1216% | 5,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5785% | 4,478 |
| Assets per employee ($millions) | 4.1829% | 3,556 |
| Cash dividends to net income (ytd only)* | 59.9249% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 1,219 |
| Loan loss allowance to noncurrent loans | 581.0345% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 4,604 |
| Noncurrent loans to loans | 0.3140% | 4,470 |
| Net loans and leases to total assets | 34.6842% | 5,831 |
| Net loans and leases to deposits | 44.7623% | 5,697 |
| Net loans and leases to core deposits | 44.9170% | 5,763 |
| Total domestic deposits to total assets | 77.4854% | 5,267 |
| Equity capital to assets | 10.6969% | 3,361 |
| Core capital (leverage) ratio | 8.4743% | 5,569 |
| Tier 1 risk-based capital ratio | 18.8871% | 1,801 |
| Total risk-based capital ratio | 20.1399% | 1,769 |
| Memoranda: | ||
| Average total assets | $105,626,500 | 4,390 |
| Average earning assets | $100,999,500 | 4,305 |
| Average equity | $11,307,500 | 4,476 |
| Average total loans | $36,179,000 | 5,209 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 1,737 |
| Cost of funding earning assets | 0.7458% | 661 |
| Net interest margin | 3.6872% | 2,767 |
| Noninterest income to average assets | 0.9058% | 1,425 |
| Noninterest expense to average assets | 2.5836% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8306% | 487 |
| Return on assets (ROA) | 1.9891% | 384 |
| Pretax return on assets | 1.9891% | 609 |
| Return on Equity (ROE) | 18.5760% | 368 |
| Retained earnings to average equity (ytd only) | 8.0014% | 1,267 |
| Net charge-offs to loans | -0.1837% | 6,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5293% | 5,163 |
| Assets per employee ($millions) | 4.3786% | 3,172 |
| Cash dividends to net income (ytd only)* | 56.9260% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8127% | 1,341 |
| Loan loss allowance to noncurrent loans | 1,203.5714% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 4,783 |
| Noncurrent loans to loans | 0.1506% | 5,146 |
| Net loans and leases to total assets | 34.7417% | 5,873 |
| Net loans and leases to deposits | 44.3976% | 5,748 |
| Net loans and leases to core deposits | 44.5482% | 5,819 |
| Total domestic deposits to total assets | 78.2514% | 5,223 |
| Equity capital to assets | 9.9365% | 4,107 |
| Core capital (leverage) ratio | 8.2710% | 5,732 |
| Tier 1 risk-based capital ratio | 18.7373% | 1,864 |
| Total risk-based capital ratio | 19.9894% | 1,829 |
| Memoranda: | ||
| Average total assets | $105,978,000 | 4,420 |
| Average earning assets | $100,836,330 | 4,349 |
| Average equity | $11,348,000 | 4,498 |
| Average total loans | $35,924,000 | 5,260 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 1,784 |
| Cost of funding earning assets | 0.7194% | 775 |
| Net interest margin | 3.6766% | 2,714 |
| Noninterest income to average assets | 1.5560% | 505 |
| Noninterest expense to average assets | 2.5032% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.5295% | 146 |
| Return on assets (ROA) | 2.7701% | 109 |
| Pretax return on assets | 2.7701% | 170 |
| Return on Equity (ROE) | 24.9809% | 103 |
| Retained earnings to average equity (ytd only) | 11.4228% | 658 |
| Net charge-offs to loans | -0.4760% | 6,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7386% | 5,931 |
| Assets per employee ($millions) | 4.4675% | 3,102 |
| Cash dividends to net income (ytd only)* | 54.2741% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 1,256 |
| Loan loss allowance to noncurrent loans | 1,198.2456% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 4,903 |
| Noncurrent loans to loans | 0.1597% | 5,205 |
| Net loans and leases to total assets | 32.6503% | 5,977 |
| Net loans and leases to deposits | 41.8721% | 5,840 |
| Net loans and leases to core deposits | 42.1636% | 5,902 |
| Total domestic deposits to total assets | 77.9763% | 5,456 |
| Equity capital to assets | 11.3886% | 2,567 |
| Core capital (leverage) ratio | 8.2048% | 5,804 |
| Tier 1 risk-based capital ratio | 18.8723% | 1,906 |
| Total risk-based capital ratio | 20.2955% | 1,813 |
| Memoranda: | ||
| Average total assets | $106,423,500 | 4,448 |
| Average earning assets | $100,637,500 | 4,384 |
| Average equity | $11,801,000 | 4,449 |
| Average total loans | $35,294,500 | 5,321 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 1,333 |
| Cost of funding earning assets | 0.8092% | 622 |
| Net interest margin | 3.8822% | 2,306 |
| Noninterest income to average assets | 0.2870% | 5,071 |
| Noninterest expense to average assets | 2.5653% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4095% | 1,066 |
| Return on assets (ROA) | 1.3980% | 1,116 |
| Pretax return on assets | 1.3980% | 1,895 |
| Return on Equity (ROE) | 14.4377% | 857 |
| Retained earnings to average equity (ytd only) | 0.6500% | 5,467 |
| Net charge-offs to loans | 0.0249% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 164.2222% | 328 |
| Efficiency ratio | 64.5393% | 4,498 |
| Assets per employee ($millions) | 4.2250% | 3,489 |
| Cash dividends to net income (ytd only)* | 95.4980% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 1,459 |
| Loan loss allowance to noncurrent loans | 1,363.8298% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 4,557 |
| Noncurrent loans to loans | 0.1347% | 5,355 |
| Net loans and leases to total assets | 32.4324% | 6,101 |
| Net loans and leases to deposits | 40.8531% | 6,006 |
| Net loans and leases to core deposits | 41.1347% | 6,070 |
| Total domestic deposits to total assets | 79.3877% | 5,165 |
| Equity capital to assets | 10.7843% | 3,140 |
| Core capital (leverage) ratio | 7.8119% | 6,093 |
| Tier 1 risk-based capital ratio | 19.4582% | 1,733 |
| Total risk-based capital ratio | 20.7128% | 1,700 |
| Memoranda: | ||
| Average total assets | $104,862,200 | 4,482 |
| Average earning assets | $99,609,600 | 4,398 |
| Average equity | $10,154,000 | 4,724 |
| Average total loans | $36,144,200 | 5,322 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 1,324 |
| Cost of funding earning assets | 0.8133% | 644 |
| Net interest margin | 3.8812% | 2,322 |
| Noninterest income to average assets | 0.2599% | 5,354 |
| Noninterest expense to average assets | 2.5336% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4343% | 1,062 |
| Return on assets (ROA) | 1.4190% | 1,131 |
| Pretax return on assets | 1.4190% | 1,933 |
| Return on Equity (ROE) | 15.0872% | 813 |
| Retained earnings to average equity (ytd only) | 0.1896% | 5,747 |
| Net charge-offs to loans | -0.0366% | 5,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8523% | 4,574 |
| Assets per employee ($millions) | 4.2438% | 3,391 |
| Cash dividends to net income (ytd only)* | 98.7430% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8459% | 1,584 |
| Loan loss allowance to noncurrent loans | 725.2747% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 4,116 |
| Noncurrent loans to loans | 0.2545% | 5,142 |
| Net loans and leases to total assets | 31.8062% | 6,190 |
| Net loans and leases to deposits | 39.9724% | 6,115 |
| Net loans and leases to core deposits | 40.2364% | 6,172 |
| Total domestic deposits to total assets | 79.5704% | 5,206 |
| Equity capital to assets | 9.9175% | 4,275 |
| Core capital (leverage) ratio | 7.8753% | 6,146 |
| Tier 1 risk-based capital ratio | 18.6747% | 1,995 |
| Total risk-based capital ratio | 19.9291% | 1,962 |
| Memoranda: | ||
| Average total assets | $104,671,250 | 4,529 |
| Average earning assets | $100,001,000 | 4,438 |
| Average equity | $9,844,750 | 4,821 |
| Average total loans | $36,455,750 | 5,364 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 1,099 |
| Cost of funding earning assets | 0.8278% | 614 |
| Net interest margin | 3.9557% | 1,944 |
| Noninterest income to average assets | 0.2744% | 5,233 |
| Noninterest expense to average assets | 2.5491% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5003% | 868 |
| Return on assets (ROA) | 1.4769% | 948 |
| Pretax return on assets | 1.4769% | 1,611 |
| Return on Equity (ROE) | 16.0149% | 656 |
| Retained earnings to average equity (ytd only) | 0.1899% | 5,635 |
| Net charge-offs to loans | -0.0545% | 5,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9505% | 4,864 |
| Assets per employee ($millions) | 4.1376% | 3,568 |
| Cash dividends to net income (ytd only)* | 98.8142% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 1,773 |
| Loan loss allowance to noncurrent loans | 846.1538% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 4,176 |
| Noncurrent loans to loans | 0.2158% | 5,364 |
| Net loans and leases to total assets | 34.3017% | 6,134 |
| Net loans and leases to deposits | 43.7623% | 5,997 |
| Net loans and leases to core deposits | 44.0726% | 6,062 |
| Total domestic deposits to total assets | 78.3819% | 5,569 |
| Equity capital to assets | 10.1256% | 3,940 |
| Core capital (leverage) ratio | 8.0877% | 6,029 |
| Tier 1 risk-based capital ratio | 18.7414% | 1,992 |
| Total risk-based capital ratio | 19.9964% | 1,954 |
| Memoranda: | ||
| Average total assets | $102,781,670 | 4,611 |
| Average earning assets | $98,086,000 | 4,524 |
| Average equity | $9,478,670 | 4,914 |
| Average total loans | $36,689,330 | 5,390 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 1,133 |
| Cost of funding earning assets | 0.8460% | 596 |
| Net interest margin | 3.9110% | 2,053 |
| Noninterest income to average assets | 0.2577% | 5,292 |
| Noninterest expense to average assets | 2.4987% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4953% | 826 |
| Return on assets (ROA) | 1.5149% | 825 |
| Pretax return on assets | 1.5149% | 1,388 |
| Return on Equity (ROE) | 17.2809% | 507 |
| Retained earnings to average equity (ytd only) | -4.9883% | 6,122 |
| Net charge-offs to loans | -0.1082% | 6,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5611% | 5,055 |
| Assets per employee ($millions) | 4.5090% | 2,960 |
| Cash dividends to net income (ytd only)* | 128.8660% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8103% | 2,006 |
| Loan loss allowance to noncurrent loans | 301.3699% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 3,631 |
| Noncurrent loans to loans | 0.6007% | 4,356 |
| Net loans and leases to total assets | 34.5181% | 6,152 |
| Net loans and leases to deposits | 43.8046% | 5,985 |
| Net loans and leases to core deposits | 44.3506% | 6,061 |
| Total domestic deposits to total assets | 78.8001% | 5,716 |
| Equity capital to assets | 9.0572% | 5,047 |
| Core capital (leverage) ratio | 8.0175% | 6,105 |
| Tier 1 risk-based capital ratio | 18.3282% | 2,171 |
| Total risk-based capital ratio | 19.8287% | 2,065 |
| Memoranda: | ||
| Average total assets | $102,452,000 | 4,673 |
| Average earning assets | $97,878,000 | 4,571 |
| Average equity | $8,981,000 | 5,055 |
| Average total loans | $36,963,000 | 5,426 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4160% | 419 |
| Cost of funding earning assets | 0.9034% | 726 |
| Net interest margin | 4.5126% | 721 |
| Noninterest income to average assets | 0.3090% | 5,126 |
| Noninterest expense to average assets | 2.5490% | 4,614 |
| Loan and lease loss provision to assets | 0.2172% | 1,683 |
| Net operating income to assets | 1.8432% | 446 |
| Return on assets (ROA) | 1.8165% | 479 |
| Pretax return on assets | 1.8165% | 732 |
| Return on Equity (ROE) | 18.8733% | 351 |
| Retained earnings to average equity (ytd only) | 6.0518% | 1,937 |
| Net charge-offs to loans | -0.8878% | 6,755 |
| Credit loss provision to net charge-offs | -65.4762% | 5,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3009% | 6,020 |
| Assets per employee ($millions) | 4.3998% | 3,089 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 2,283 |
| Loan loss allowance to noncurrent loans | 294.1176% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8597% | 3,740 |
| Noncurrent loans to loans | 0.5898% | 4,511 |
| Net loans and leases to total assets | 36.3829% | 6,180 |
| Net loans and leases to deposits | 45.9874% | 6,010 |
| Net loans and leases to core deposits | 46.5744% | 6,110 |
| Total domestic deposits to total assets | 79.1148% | 5,628 |
| Equity capital to assets | 8.4677% | 5,618 |
| Core capital (leverage) ratio | 7.9676% | 6,158 |
| Tier 1 risk-based capital ratio | 18.5089% | 2,077 |
| Total risk-based capital ratio | 19.7118% | 2,061 |
| Memoranda: | ||
| Average total assets | $101,293,000 | 4,711 |
| Average earning assets | $96,529,200 | 4,605 |
| Average equity | $9,749,200 | 4,906 |
| Average total loans | $37,845,200 | 5,429 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 1,107 |
| Cost of funding earning assets | 0.9074% | 788 |
| Net interest margin | 4.0023% | 1,938 |
| Noninterest income to average assets | 0.2921% | 5,363 |
| Noninterest expense to average assets | 2.4582% | 4,848 |
| Loan and lease loss provision to assets | 0.2632% | 1,343 |
| Net operating income to assets | 1.3844% | 1,139 |
| Return on assets (ROA) | 1.3489% | 1,272 |
| Pretax return on assets | 1.3489% | 2,130 |
| Return on Equity (ROE) | 13.6061% | 1,098 |
| Retained earnings to average equity (ytd only) | 0.9956% | 5,579 |
| Net charge-offs to loans | 1.1281% | 494 |
| Credit loss provision to net charge-offs | 62.3053% | 3,245 |
| Earnings coverage of net charge-offs (x) | 3.9003% | 3,588 |
| Efficiency ratio | 59.8718% | 5,457 |
| Assets per employee ($millions) | 4.1251% | 3,591 |
| Cash dividends to net income (ytd only)* | 92.6835% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 5,158 |
| Loan loss allowance to noncurrent loans | 189.5197% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 3,955 |
| Noncurrent loans to loans | 0.6020% | 4,690 |
| Net loans and leases to total assets | 36.4647% | 6,260 |
| Net loans and leases to deposits | 46.4552% | 6,067 |
| Net loans and leases to core deposits | 47.0333% | 6,168 |
| Total domestic deposits to total assets | 78.4945% | 5,826 |
| Equity capital to assets | 8.1472% | 6,049 |
| Core capital (leverage) ratio | 7.5906% | 6,413 |
| Tier 1 risk-based capital ratio | 14.3214% | 4,202 |
| Total risk-based capital ratio | 15.1392% | 4,463 |
| Memoranda: | ||
| Average total assets | $101,317,250 | 4,755 |
| Average earning assets | $96,541,750 | 4,657 |
| Average equity | $10,044,250 | 4,892 |
| Average total loans | $37,939,500 | 5,480 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 1,161 |
| Cost of funding earning assets | 0.9051% | 876 |
| Net interest margin | 3.9693% | 1,970 |
| Noninterest income to average assets | 0.2919% | 5,364 |
| Noninterest expense to average assets | 2.4048% | 5,039 |
| Loan and lease loss provision to assets | 0.3376% | 1,009 |
| Net operating income to assets | 1.3464% | 1,208 |
| Return on assets (ROA) | 1.2789% | 1,469 |
| Pretax return on assets | 1.2789% | 2,375 |
| Return on Equity (ROE) | 12.1605% | 1,440 |
| Retained earnings to average equity (ytd only) | -1.0574% | 6,062 |
| Net charge-offs to loans | 1.6936% | 288 |
| Credit loss provision to net charge-offs | 52.9595% | 3,162 |
| Earnings coverage of net charge-offs (x) | 2.6417% | 3,640 |
| Efficiency ratio | 58.8150% | 5,622 |
| Assets per employee ($millions) | 4.1097% | 3,559 |
| Cash dividends to net income (ytd only)* | 108.6957% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 5,506 |
| Loan loss allowance to noncurrent loans | 177.1930% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8799% | 4,039 |
| Noncurrent loans to loans | 0.6117% | 4,723 |
| Net loans and leases to total assets | 35.8857% | 6,308 |
| Net loans and leases to deposits | 46.0024% | 6,103 |
| Net loans and leases to core deposits | 46.5783% | 6,208 |
| Total domestic deposits to total assets | 78.0082% | 5,982 |
| Equity capital to assets | 8.4045% | 5,868 |
| Core capital (leverage) ratio | 7.1923% | 6,567 |
| Tier 1 risk-based capital ratio | 13.9449% | 4,459 |
| Total risk-based capital ratio | 14.7002% | 4,763 |
| Memoranda: | ||
| Average total assets | $100,714,000 | 4,793 |
| Average earning assets | $96,339,670 | 4,692 |
| Average equity | $10,591,670 | 4,810 |
| Average total loans | $37,906,330 | 5,509 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,436 |
| Cost of funding earning assets | 0.8756% | 1,113 |
| Net interest margin | 3.8625% | 2,241 |
| Noninterest income to average assets | 0.2929% | 5,366 |
| Noninterest expense to average assets | 2.7122% | 4,010 |
| Loan and lease loss provision to assets | 0.1204% | 2,715 |
| Net operating income to assets | 1.1595% | 1,640 |
| Return on assets (ROA) | 1.1595% | 1,750 |
| Pretax return on assets | 1.1595% | 2,726 |
| Return on Equity (ROE) | 9.9914% | 2,063 |
| Retained earnings to average equity (ytd only) | -7.2947% | 6,489 |
| Net charge-offs to loans | -0.0314% | 5,914 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9397% | 4,322 |
| Assets per employee ($millions) | 3.9858% | 3,981 |
| Cash dividends to net income (ytd only)* | 173.0104% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,646 |
| Loan loss allowance to noncurrent loans | 84.8485% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.3934% | 3,183 |
| Noncurrent loans to loans | 1.8197% | 2,839 |
| Net loans and leases to total assets | 36.1816% | 6,280 |
| Net loans and leases to deposits | 46.8547% | 6,001 |
| Net loans and leases to core deposits | 47.2586% | 6,138 |
| Total domestic deposits to total assets | 77.2209% | 6,222 |
| Equity capital to assets | 10.8820% | 3,099 |
| Core capital (leverage) ratio | 7.4878% | 6,478 |
| Tier 1 risk-based capital ratio | 14.2337% | 4,335 |
| Total risk-based capital ratio | 15.3694% | 4,371 |
| Memoranda: | ||
| Average total assets | $99,699,500 | 4,874 |
| Average earning assets | $95,482,000 | 4,753 |
| Average equity | $11,570,000 | 4,658 |
| Average total loans | $38,222,500 | 5,536 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 1,337 |
| Cost of funding earning assets | 0.9235% | 1,794 |
| Net interest margin | 4.1641% | 1,762 |
| Noninterest income to average assets | 0.2812% | 5,458 |
| Noninterest expense to average assets | 2.6963% | 4,410 |
| Loan and lease loss provision to assets | 0.2318% | 2,818 |
| Net operating income to assets | 1.2982% | 1,306 |
| Return on assets (ROA) | 1.4404% | 1,150 |
| Pretax return on assets | 1.4404% | 1,894 |
| Return on Equity (ROE) | 12.2126% | 1,441 |
| Retained earnings to average equity (ytd only) | 2.3844% | 4,553 |
| Net charge-offs to loans | 0.8542% | 1,343 |
| Credit loss provision to net charge-offs | 67.8466% | 4,222 |
| Earnings coverage of net charge-offs (x) | 4.4779% | 3,352 |
| Efficiency ratio | 63.7968% | 4,926 |
| Assets per employee ($millions) | 3.9904% | 3,967 |
| Cash dividends to net income (ytd only)* | 80.4759% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 3,931 |
| Loan loss allowance to noncurrent loans | 80.3752% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5391% | 3,081 |
| Noncurrent loans to loans | 1.8065% | 2,909 |
| Net loans and leases to total assets | 39.4752% | 6,206 |
| Net loans and leases to deposits | 52.8062% | 5,753 |
| Net loans and leases to core deposits | 53.3133% | 5,924 |
| Total domestic deposits to total assets | 74.7549% | 6,467 |
| Equity capital to assets | 12.3871% | 1,797 |
| Core capital (leverage) ratio | 7.7172% | 6,397 |
| Tier 1 risk-based capital ratio | 15.4144% | 3,478 |
| Total risk-based capital ratio | 16.5448% | 3,500 |
| Memoranda: | ||
| Average total assets | $99,211,200 | 4,855 |
| Average earning assets | $93,994,400 | 4,756 |
| Average equity | $11,701,000 | 4,631 |
| Average total loans | $39,687,400 | 5,520 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 1,438 |
| Cost of funding earning assets | 0.9285% | 1,989 |
| Net interest margin | 4.1669% | 1,843 |
| Noninterest income to average assets | 0.2665% | 5,647 |
| Noninterest expense to average assets | 2.6860% | 4,422 |
| Loan and lease loss provision to assets | 0.1199% | 4,050 |
| Net operating income to assets | 1.3950% | 1,239 |
| Return on assets (ROA) | 1.4749% | 1,185 |
| Pretax return on assets | 1.4749% | 1,983 |
| Return on Equity (ROE) | 12.6578% | 1,421 |
| Retained earnings to average equity (ytd only) | 2.3669% | 5,152 |
| Net charge-offs to loans | -0.0067% | 6,303 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9391% | 4,812 |
| Assets per employee ($millions) | 4.2864% | 3,303 |
| Cash dividends to net income (ytd only)* | 81.3010% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8768% | 2,557 |
| Loan loss allowance to noncurrent loans | 87.1264% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.6175% | 3,163 |
| Noncurrent loans to loans | 2.1541% | 2,670 |
| Net loans and leases to total assets | 38.5232% | 6,388 |
| Net loans and leases to deposits | 52.0653% | 5,973 |
| Net loans and leases to core deposits | 52.5297% | 6,146 |
| Total domestic deposits to total assets | 73.9903% | 6,602 |
| Equity capital to assets | 11.8904% | 2,360 |
| Core capital (leverage) ratio | 7.5727% | 6,581 |
| Tier 1 risk-based capital ratio | 14.6959% | 4,052 |
| Total risk-based capital ratio | 15.9489% | 4,015 |
| Memoranda: | ||
| Average total assets | $100,071,750 | 4,876 |
| Average earning assets | $94,489,250 | 4,781 |
| Average equity | $11,660,500 | 4,678 |
| Average total loans | $40,018,750 | 5,571 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 1,513 |
| Cost of funding earning assets | 0.9380% | 2,133 |
| Net interest margin | 4.1580% | 1,873 |
| Noninterest income to average assets | 0.2723% | 5,626 |
| Noninterest expense to average assets | 2.6912% | 4,466 |
| Loan and lease loss provision to assets | 0.1210% | 4,015 |
| Net operating income to assets | 1.3859% | 1,216 |
| Return on assets (ROA) | 1.5070% | 1,101 |
| Pretax return on assets | 1.5070% | 1,828 |
| Return on Equity (ROE) | 13.0253% | 1,359 |
| Retained earnings to average equity (ytd only) | 1.6914% | 5,350 |
| Net charge-offs to loans | 0.0752% | 4,392 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 49.8000% | 734 |
| Efficiency ratio | 64.1038% | 4,884 |
| Assets per employee ($millions) | 4.2269% | 3,411 |
| Cash dividends to net income (ytd only)* | 87.0147% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 3,076 |
| Loan loss allowance to noncurrent loans | 66.1395% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 2.5077% | 2,229 |
| Noncurrent loans to loans | 2.6291% | 2,284 |
| Net loans and leases to total assets | 39.6043% | 6,373 |
| Net loans and leases to deposits | 53.4446% | 5,918 |
| Net loans and leases to core deposits | 53.9252% | 6,098 |
| Total domestic deposits to total assets | 74.1035% | 6,672 |
| Equity capital to assets | 11.6091% | 2,480 |
| Core capital (leverage) ratio | 7.3936% | 6,668 |
| Tier 1 risk-based capital ratio | 14.2197% | 4,289 |
| Total risk-based capital ratio | 15.4705% | 4,257 |
| Memoranda: | ||
| Average total assets | $99,138,000 | 4,919 |
| Average earning assets | $93,601,670 | 4,830 |
| Average equity | $11,470,000 | 4,722 |
| Average total loans | $39,895,670 | 5,606 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 1,387 |
| Cost of funding earning assets | 0.9387% | 2,386 |
| Net interest margin | 4.2306% | 1,673 |
| Noninterest income to average assets | 0.3143% | 5,360 |
| Noninterest expense to average assets | 2.6576% | 4,597 |
| Loan and lease loss provision to assets | 0.1225% | 3,812 |
| Net operating income to assets | 1.5268% | 980 |
| Return on assets (ROA) | 1.7717% | 712 |
| Pretax return on assets | 1.7717% | 1,144 |
| Return on Equity (ROE) | 15.3404% | 916 |
| Retained earnings to average equity (ytd only) | 1.2018% | 5,610 |
| Net charge-offs to loans | 0.1523% | 3,179 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 26.9333% | 994 |
| Efficiency ratio | 61.7062% | 5,327 |
| Assets per employee ($millions) | 3.9003% | 4,197 |
| Cash dividends to net income (ytd only)* | 92.1659% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 3,303 |
| Loan loss allowance to noncurrent loans | 35.5614% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 2.7731% | 2,113 |
| Noncurrent loans to loans | 4.8116% | 1,180 |
| Net loans and leases to total assets | 40.1188% | 6,341 |
| Net loans and leases to deposits | 54.6073% | 5,747 |
| Net loans and leases to core deposits | 55.1166% | 5,978 |
| Total domestic deposits to total assets | 73.4678% | 6,786 |
| Equity capital to assets | 11.6616% | 2,292 |
| Core capital (leverage) ratio | 7.6637% | 6,519 |
| Tier 1 risk-based capital ratio | 14.6503% | 3,983 |
| Total risk-based capital ratio | 15.9009% | 3,948 |
| Memoranda: | ||
| Average total assets | $97,984,000 | 4,985 |
| Average earning assets | $92,469,000 | 4,891 |
| Average equity | $11,316,500 | 4,759 |
| Average total loans | $39,399,500 | 5,665 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1628% | 2,214 |
| Cost of funding earning assets | 1.0056% | 3,335 |
| Net interest margin | 4.1572% | 2,207 |
| Noninterest income to average assets | 0.2930% | 5,437 |
| Noninterest expense to average assets | 2.6311% | 4,983 |
| Loan and lease loss provision to assets | 0.0747% | 5,680 |
| Net operating income to assets | 1.5219% | 786 |
| Return on assets (ROA) | 1.5139% | 866 |
| Pretax return on assets | 1.5139% | 1,431 |
| Return on Equity (ROE) | 14.9158% | 754 |
| Retained earnings to average equity (ytd only) | 2.1505% | 4,687 |
| Net charge-offs to loans | 0.4739% | 3,095 |
| Credit loss provision to net charge-offs | 39.2670% | 5,636 |
| Earnings coverage of net charge-offs (x) | 8.3874% | 2,158 |
| Efficiency ratio | 62.2348% | 5,422 |
| Assets per employee ($millions) | 3.9384% | 3,990 |
| Cash dividends to net income (ytd only)* | 85.5826% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 3,170 |
| Loan loss allowance to noncurrent loans | 33.1014% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 2.7900% | 2,172 |
| Noncurrent loans to loans | 5.1591% | 1,074 |
| Net loans and leases to total assets | 38.9326% | 6,604 |
| Net loans and leases to deposits | 53.8158% | 6,087 |
| Net loans and leases to core deposits | 54.3183% | 6,280 |
| Total domestic deposits to total assets | 72.3441% | 6,855 |
| Equity capital to assets | 11.4381% | 2,558 |
| Core capital (leverage) ratio | 7.4792% | 6,659 |
| Tier 1 risk-based capital ratio | 14.3776% | 4,058 |
| Total risk-based capital ratio | 15.6164% | 4,036 |
| Memoranda: | ||
| Average total assets | $100,337,600 | 4,884 |
| Average earning assets | $94,967,200 | 4,783 |
| Average equity | $10,183,800 | 4,970 |
| Average total loans | $40,301,400 | 5,678 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 2,516 |
| Cost of funding earning assets | 1.0249% | 3,505 |
| Net interest margin | 4.0941% | 2,499 |
| Noninterest income to average assets | 0.2725% | 5,670 |
| Noninterest expense to average assets | 2.6082% | 5,050 |
| Loan and lease loss provision to assets | 0.0595% | 5,699 |
| Net operating income to assets | 1.4827% | 980 |
| Return on assets (ROA) | 1.4443% | 1,140 |
| Pretax return on assets | 1.4443% | 1,804 |
| Return on Equity (ROE) | 14.6855% | 898 |
| Retained earnings to average equity (ytd only) | 1.2372% | 5,518 |
| Net charge-offs to loans | 0.5120% | 2,712 |
| Credit loss provision to net charge-offs | 28.8462% | 5,427 |
| Earnings coverage of net charge-offs (x) | 7.4745% | 2,356 |
| Efficiency ratio | 62.8426% | 5,270 |
| Assets per employee ($millions) | 4.0203% | 3,804 |
| Cash dividends to net income (ytd only)* | 91.5753% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 3,369 |
| Loan loss allowance to noncurrent loans | 29.0688% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 2.9282% | 2,202 |
| Noncurrent loans to loans | 5.7516% | 1,001 |
| Net loans and leases to total assets | 39.0878% | 6,706 |
| Net loans and leases to deposits | 51.4747% | 6,407 |
| Net loans and leases to core deposits | 51.9182% | 6,570 |
| Total domestic deposits to total assets | 75.9360% | 6,539 |
| Equity capital to assets | 11.1057% | 3,043 |
| Core capital (leverage) ratio | 7.3271% | 6,843 |
| Tier 1 risk-based capital ratio | 14.3612% | 4,084 |
| Total risk-based capital ratio | 15.6003% | 4,053 |
| Memoranda: | ||
| Average total assets | $100,807,000 | 4,904 |
| Average earning assets | $95,484,750 | 4,799 |
| Average equity | $9,914,250 | 5,056 |
| Average total loans | $40,627,000 | 5,719 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 2,681 |
| Cost of funding earning assets | 1.0443% | 3,646 |
| Net interest margin | 4.0562% | 2,590 |
| Noninterest income to average assets | 0.2755% | 5,678 |
| Noninterest expense to average assets | 2.5945% | 5,212 |
| Loan and lease loss provision to assets | 0.0595% | 5,564 |
| Net operating income to assets | 1.4786% | 928 |
| Return on assets (ROA) | 1.4211% | 1,105 |
| Pretax return on assets | 1.4211% | 1,750 |
| Return on Equity (ROE) | 15.0974% | 788 |
| Retained earnings to average equity (ytd only) | 0.3580% | 5,701 |
| Net charge-offs to loans | 0.7882% | 1,928 |
| Credit loss provision to net charge-offs | 18.6335% | 5,147 |
| Earnings coverage of net charge-offs (x) | 4.8199% | 2,766 |
| Efficiency ratio | 62.7818% | 5,438 |
| Assets per employee ($millions) | 3.6949% | 4,459 |
| Cash dividends to net income (ytd only)* | 97.6290% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 3,534 |
| Loan loss allowance to noncurrent loans | 46.5183% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 2.0519% | 3,169 |
| Noncurrent loans to loans | 3.5240% | 2,007 |
| Net loans and leases to total assets | 38.9734% | 6,803 |
| Net loans and leases to deposits | 50.5210% | 6,565 |
| Net loans and leases to core deposits | 51.0055% | 6,712 |
| Total domestic deposits to total assets | 77.1428% | 6,431 |
| Equity capital to assets | 10.1060% | 4,007 |
| Core capital (leverage) ratio | 7.2540% | 6,889 |
| Tier 1 risk-based capital ratio | 14.1777% | 4,035 |
| Total risk-based capital ratio | 15.4157% | 4,013 |
| Memoranda: | ||
| Average total assets | $100,907,000 | 4,935 |
| Average earning assets | $95,952,000 | 4,821 |
| Average equity | $9,498,330 | 5,183 |
| Average total loans | $40,851,330 | 5,764 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 2,969 |
| Cost of funding earning assets | 1.0612% | 3,778 |
| Net interest margin | 3.9670% | 2,840 |
| Noninterest income to average assets | 0.2602% | 5,809 |
| Noninterest expense to average assets | 2.5897% | 5,267 |
| Loan and lease loss provision to assets | 0.0591% | 5,263 |
| Net operating income to assets | 1.3835% | 1,088 |
| Return on assets (ROA) | 1.3835% | 1,137 |
| Pretax return on assets | 1.3835% | 1,774 |
| Return on Equity (ROE) | 15.2501% | 783 |
| Retained earnings to average equity (ytd only) | -2.1289% | 6,166 |
| Net charge-offs to loans | 0.0482% | 4,461 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 73.2000% | 422 |
| Efficiency ratio | 64.2229% | 5,326 |
| Assets per employee ($millions) | 3.8695% | 4,144 |
| Cash dividends to net income (ytd only)* | 113.9601% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 2,550 |
| Loan loss allowance to noncurrent loans | 55.0978% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.8925% | 3,447 |
| Noncurrent loans to loans | 3.5351% | 2,106 |
| Net loans and leases to total assets | 39.4798% | 6,813 |
| Net loans and leases to deposits | 50.6071% | 6,578 |
| Net loans and leases to core deposits | 51.2444% | 6,718 |
| Total domestic deposits to total assets | 78.0122% | 6,378 |
| Equity capital to assets | 9.3732% | 4,618 |
| Core capital (leverage) ratio | 7.0333% | 6,991 |
| Tier 1 risk-based capital ratio | 13.8325% | 4,192 |
| Total risk-based capital ratio | 15.0745% | 4,174 |
| Memoranda: | ||
| Average total assets | $101,479,000 | 4,961 |
| Average earning assets | $96,495,500 | 4,838 |
| Average equity | $9,206,500 | 5,261 |
| Average total loans | $41,512,500 | 5,787 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3694% | 2,811 |
| Cost of funding earning assets | 1.1928% | 4,607 |
| Net interest margin | 4.1766% | 2,271 |
| Noninterest income to average assets | 0.3117% | 5,569 |
| Noninterest expense to average assets | 2.6868% | 5,047 |
| Loan and lease loss provision to assets | 0.0619% | 6,523 |
| Net operating income to assets | 1.4915% | 779 |
| Return on assets (ROA) | 1.5122% | 802 |
| Pretax return on assets | 1.5122% | 1,342 |
| Return on Equity (ROE) | 14.5190% | 790 |
| Retained earnings to average equity (ytd only) | -11.2584% | 6,723 |
| Net charge-offs to loans | 0.0331% | 6,473 |
| Credit loss provision to net charge-offs | 428.5714% | 546 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 232 |
| Efficiency ratio | 63.3642% | 5,453 |
| Assets per employee ($millions) | 4.2647% | 3,273 |
| Cash dividends to net income (ytd only)* | 177.5427% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8322% | 2,751 |
| Loan loss allowance to noncurrent loans | 51.7952% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 1.9394% | 3,427 |
| Noncurrent loans to loans | 3.5374% | 2,132 |
| Net loans and leases to total assets | 40.7789% | 6,918 |
| Net loans and leases to deposits | 54.4335% | 6,577 |
| Net loans and leases to core deposits | 55.7577% | 6,703 |
| Total domestic deposits to total assets | 74.9150% | 6,779 |
| Equity capital to assets | 8.7766% | 5,474 |
| Core capital (leverage) ratio | 7.1275% | 6,952 |
| Tier 1 risk-based capital ratio | 13.8508% | 3,962 |
| Total risk-based capital ratio | 15.0919% | 3,951 |
| Memoranda: | ||
| Average total assets | $96,881,200 | 5,080 |
| Average earning assets | $91,127,800 | 4,979 |
| Average equity | $10,090,200 | 5,105 |
| Average total loans | $42,337,800 | 5,818 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 2,909 |
| Cost of funding earning assets | 1.2119% | 4,792 |
| Net interest margin | 4.1828% | 2,280 |
| Noninterest income to average assets | 0.2778% | 5,883 |
| Noninterest expense to average assets | 2.7081% | 4,848 |
| Loan and lease loss provision to assets | 0.0628% | 6,434 |
| Net operating income to assets | 1.4336% | 1,053 |
| Return on assets (ROA) | 1.4615% | 1,074 |
| Pretax return on assets | 1.4615% | 1,718 |
| Return on Equity (ROE) | 13.4655% | 1,148 |
| Retained earnings to average equity (ytd only) | -16.1277% | 7,112 |
| Net charge-offs to loans | 0.0473% | 6,056 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 71.4650% | 418 |
| Efficiency ratio | 64.4090% | 5,174 |
| Assets per employee ($millions) | 4.3973% | 3,086 |
| Cash dividends to net income (ytd only)* | 219.7698% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 2,923 |
| Loan loss allowance to noncurrent loans | 67.0475% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.6097% | 4,034 |
| Noncurrent loans to loans | 2.6308% | 2,993 |
| Net loans and leases to total assets | 42.0153% | 6,976 |
| Net loans and leases to deposits | 54.4335% | 6,734 |
| Net loans and leases to core deposits | 56.7625% | 6,811 |
| Total domestic deposits to total assets | 77.1864% | 6,442 |
| Equity capital to assets | 10.0695% | 4,066 |
| Core capital (leverage) ratio | 7.2842% | 7,018 |
| Tier 1 risk-based capital ratio | 13.9567% | 3,873 |
| Total risk-based capital ratio | 15.1966% | 3,837 |
| Memoranda: | ||
| Average total assets | $95,513,500 | 5,175 |
| Average earning assets | $89,666,750 | 5,081 |
| Average equity | $10,367,000 | 5,096 |
| Average total loans | $42,293,000 | 5,908 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 2,671 |
| Cost of funding earning assets | 1.2245% | 4,991 |
| Net interest margin | 4.2426% | 2,007 |
| Noninterest income to average assets | 0.2115% | 6,409 |
| Noninterest expense to average assets | 2.6762% | 5,009 |
| Loan and lease loss provision to assets | 0.0641% | 6,312 |
| Net operating income to assets | 1.4673% | 964 |
| Return on assets (ROA) | 1.5101% | 960 |
| Pretax return on assets | 1.5101% | 1,531 |
| Return on Equity (ROE) | 13.5596% | 1,127 |
| Retained earnings to average equity (ytd only) | 3.9701% | 3,551 |
| Net charge-offs to loans | 0.0477% | 5,718 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 71.7000% | 439 |
| Efficiency ratio | 63.6041% | 5,411 |
| Assets per employee ($millions) | 4.1131% | 3,559 |
| Cash dividends to net income (ytd only)* | 70.7214% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 2,798 |
| Loan loss allowance to noncurrent loans | 64.6907% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.8478% | 3,696 |
| Noncurrent loans to loans | 2.7460% | 2,906 |
| Net loans and leases to total assets | 44.0122% | 6,920 |
| Net loans and leases to deposits | 58.9119% | 6,505 |
| Net loans and leases to core deposits | 63.0457% | 6,479 |
| Total domestic deposits to total assets | 74.7085% | 6,884 |
| Equity capital to assets | 11.6183% | 2,340 |
| Core capital (leverage) ratio | 9.2406% | 4,229 |
| Tier 1 risk-based capital ratio | 17.4460% | 2,122 |
| Total risk-based capital ratio | 18.6867% | 2,082 |
| Memoranda: | ||
| Average total assets | $93,639,000 | 5,262 |
| Average earning assets | $88,201,000 | 5,165 |
| Average equity | $10,428,000 | 5,082 |
| Average total loans | $41,972,000 | 5,961 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4524% | 2,814 |
| Cost of funding earning assets | 1.2394% | 5,177 |
| Net interest margin | 4.2130% | 1,989 |
| Noninterest income to average assets | 0.2104% | 6,457 |
| Noninterest expense to average assets | 2.6063% | 5,333 |
| Loan and lease loss provision to assets | 0.0644% | 5,995 |
| Net operating income to assets | 1.5243% | 861 |
| Return on assets (ROA) | 1.6102% | 786 |
| Pretax return on assets | 1.6102% | 1,239 |
| Return on Equity (ROE) | 14.7834% | 911 |
| Retained earnings to average equity (ytd only) | 6.8595% | 2,190 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1290% | 5,808 |
| Assets per employee ($millions) | 4.0170% | 3,830 |
| Cash dividends to net income (ytd only)* | 53.6000% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7702% | 2,827 |
| Loan loss allowance to noncurrent loans | 59.3180% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.9785% | 3,527 |
| Noncurrent loans to loans | 2.9843% | 2,689 |
| Net loans and leases to total assets | 44.9254% | 6,908 |
| Net loans and leases to deposits | 59.1900% | 6,540 |
| Net loans and leases to core deposits | 62.3266% | 6,573 |
| Total domestic deposits to total assets | 75.9003% | 6,774 |
| Equity capital to assets | 11.2327% | 2,546 |
| Core capital (leverage) ratio | 9.1834% | 4,253 |
| Tier 1 risk-based capital ratio | 17.6002% | 2,052 |
| Total risk-based capital ratio | 18.8401% | 2,025 |
| Memoranda: | ||
| Average total assets | $93,158,000 | 5,347 |
| Average earning assets | $88,108,500 | 5,238 |
| Average equity | $10,146,500 | 5,199 |
| Average total loans | $41,763,500 | 6,037 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8282% | 2,536 |
| Cost of funding earning assets | 1.6199% | 4,936 |
| Net interest margin | 4.2083% | 2,037 |
| Noninterest income to average assets | 0.1827% | 6,781 |
| Noninterest expense to average assets | 2.6989% | 5,400 |
| Loan and lease loss provision to assets | 0.0363% | 7,178 |
| Net operating income to assets | 1.4304% | 801 |
| Return on assets (ROA) | 1.4740% | 772 |
| Pretax return on assets | 1.4740% | 1,253 |
| Return on Equity (ROE) | 14.1852% | 754 |
| Retained earnings to average equity (ytd only) | -2.5374% | 5,623 |
| Net charge-offs to loans | 0.0394% | 6,721 |
| Credit loss provision to net charge-offs | 205.8824% | 1,870 |
| Earnings coverage of net charge-offs (x) | 83.1176% | 328 |
| Efficiency ratio | 64.7894% | 5,624 |
| Assets per employee ($millions) | 4.0837% | 3,649 |
| Cash dividends to net income (ytd only)* | 117.8873% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 2,623 |
| Loan loss allowance to noncurrent loans | 56.0398% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.0484% | 3,335 |
| Noncurrent loans to loans | 3.1692% | 2,418 |
| Net loans and leases to total assets | 43.1610% | 7,167 |
| Net loans and leases to deposits | 56.2175% | 6,905 |
| Net loans and leases to core deposits | 67.1298% | 6,922 |
| Total domestic deposits to total assets | 76.7751% | 6,536 |
| Equity capital to assets | 10.5563% | 3,123 |
| Core capital (leverage) ratio | 8.5294% | 5,236 |
| Tier 1 risk-based capital ratio | 17.3198% | 2,075 |
| Total risk-based capital ratio | 18.5569% | 2,040 |
| Memoranda: | ||
| Average total assets | $96,334,800 | 5,192 |
| Average earning assets | $91,178,000 | 5,086 |
| Average equity | $10,010,400 | 5,293 |
| Average total loans | $43,130,400 | 5,974 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8920% | 2,485 |
| Cost of funding earning assets | 1.6791% | 5,009 |
| Net interest margin | 4.2129% | 2,002 |
| Noninterest income to average assets | 0.1582% | 7,063 |
| Noninterest expense to average assets | 2.6202% | 5,642 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5308% | 759 |
| Return on assets (ROA) | 1.5735% | 756 |
| Pretax return on assets | 1.5735% | 1,237 |
| Return on Equity (ROE) | 15.2009% | 745 |
| Retained earnings to average equity (ytd only) | -0.4119% | 5,320 |
| Net charge-offs to loans | 0.0031% | 6,949 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1,115.7594% | 18 |
| Efficiency ratio | 63.1213% | 5,905 |
| Assets per employee ($millions) | 4.1110% | 3,540 |
| Cash dividends to net income (ytd only)* | 102.7096% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 2,610 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.0518% | 3,279 |
| Noncurrent loans to loans | 3.4097% | 2,206 |
| Net loans and leases to total assets | 43.5390% | 7,278 |
| Net loans and leases to deposits | 56.6134% | 7,052 |
| Net loans and leases to core deposits | 69.8278% | 6,973 |
| Total domestic deposits to total assets | 76.9058% | 6,361 |
| Equity capital to assets | 10.8258% | 3,189 |
| Core capital (leverage) ratio | 9.0015% | 4,645 |
| Tier 1 risk-based capital ratio | 17.7723% | 2,056 |
| Total risk-based capital ratio | 19.0088% | 2,004 |
| Memoranda: | ||
| Average total assets | $96,937,250 | 5,215 |
| Average earning assets | $91,873,250 | 5,102 |
| Average equity | $10,034,250 | 5,325 |
| Average total loans | $43,595,000 | 5,994 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9926% | 2,215 |
| Cost of funding earning assets | 1.7349% | 5,089 |
| Net interest margin | 4.2576% | 1,792 |
| Noninterest income to average assets | 0.1760% | 7,037 |
| Noninterest expense to average assets | 2.5826% | 5,808 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6412% | 628 |
| Return on assets (ROA) | 1.7047% | 609 |
| Pretax return on assets | 1.7047% | 1,003 |
| Return on Equity (ROE) | 16.7152% | 610 |
| Retained earnings to average equity (ytd only) | 5.1771% | 2,409 |
| Net charge-offs to loans | 0.0045% | 6,547 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 802.0000% | 33 |
| Efficiency ratio | 61.1434% | 6,377 |
| Assets per employee ($millions) | 4.1394% | 3,417 |
| Cash dividends to net income (ytd only)* | 69.0276% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 2,479 |
| Loan loss allowance to noncurrent loans | 41.2955% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 2.6668% | 2,407 |
| Noncurrent loans to loans | 4.0272% | 1,679 |
| Net loans and leases to total assets | 44.3449% | 7,305 |
| Net loans and leases to deposits | 56.4033% | 7,135 |
| Net loans and leases to core deposits | 70.9778% | 6,970 |
| Total domestic deposits to total assets | 78.6211% | 5,921 |
| Equity capital to assets | 10.2042% | 3,714 |
| Core capital (leverage) ratio | 9.1832% | 4,327 |
| Tier 1 risk-based capital ratio | 18.0184% | 2,017 |
| Total risk-based capital ratio | 19.2536% | 1,954 |
| Memoranda: | ||
| Average total assets | $97,732,330 | 5,222 |
| Average earning assets | $92,915,330 | 5,096 |
| Average equity | $9,967,000 | 5,365 |
| Average total loans | $44,166,330 | 6,020 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8409% | 3,088 |
| Cost of funding earning assets | 1.8096% | 5,072 |
| Net interest margin | 4.0313% | 2,532 |
| Noninterest income to average assets | 0.1778% | 7,032 |
| Noninterest expense to average assets | 2.5011% | 5,840 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5112% | 918 |
| Return on assets (ROA) | 1.8465% | 539 |
| Pretax return on assets | 1.8465% | 898 |
| Return on Equity (ROE) | 18.1116% | 587 |
| Retained earnings to average equity (ytd only) | 3.2498% | 4,065 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3364% | 5,994 |
| Assets per employee ($millions) | 4.3072% | 3,059 |
| Cash dividends to net income (ytd only)* | 82.0569% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 2,449 |
| Loan loss allowance to noncurrent loans | 42.3578% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 2.5216% | 2,276 |
| Noncurrent loans to loans | 3.8228% | 1,608 |
| Net loans and leases to total assets | 43.8506% | 7,355 |
| Net loans and leases to deposits | 56.7745% | 7,113 |
| Net loans and leases to core deposits | 73.7163% | 6,816 |
| Total domestic deposits to total assets | 77.2364% | 6,218 |
| Equity capital to assets | 10.0862% | 3,894 |
| Core capital (leverage) ratio | 8.7617% | 5,041 |
| Tier 1 risk-based capital ratio | 17.2050% | 2,270 |
| Total risk-based capital ratio | 18.4420% | 2,218 |
| Memoranda: | ||
| Average total assets | $98,995,500 | 5,206 |
| Average earning assets | $94,163,500 | 5,084 |
| Average equity | $10,093,000 | 5,357 |
| Average total loans | $44,783,000 | 6,026 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3086% | 3,919 |
| Cost of funding earning assets | 2.5285% | 4,057 |
| Net interest margin | 3.7801% | 4,103 |
| Noninterest income to average assets | 0.2412% | 6,718 |
| Noninterest expense to average assets | 2.4406% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3617% | 1,317 |
| Return on assets (ROA) | 1.3588% | 1,285 |
| Pretax return on assets | 1.3588% | 2,099 |
| Return on Equity (ROE) | 14.7322% | 967 |
| Retained earnings to average equity (ytd only) | 4.7780% | 2,161 |
| Net charge-offs to loans | -0.0046% | 7,782 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1869% | 5,520 |
| Assets per employee ($millions) | 4.3011% | 2,959 |
| Cash dividends to net income (ytd only)* | 67.5676% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 2,344 |
| Loan loss allowance to noncurrent loans | 42.9429% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 2.5019% | 1,937 |
| Noncurrent loans to loans | 3.6666% | 1,374 |
| Net loans and leases to total assets | 45.1807% | 7,395 |
| Net loans and leases to deposits | 58.6887% | 7,168 |
| Net loans and leases to core deposits | 76.9237% | 6,801 |
| Total domestic deposits to total assets | 76.9836% | 5,997 |
| Equity capital to assets | 10.3048% | 3,707 |
| Core capital (leverage) ratio | 8.8604% | 4,956 |
| Tier 1 risk-based capital ratio | 16.9618% | 2,324 |
| Total risk-based capital ratio | 18.1986% | 2,274 |
| Memoranda: | ||
| Average total assets | $100,753,000 | 5,023 |
| Average earning assets | $94,918,400 | 4,951 |
| Average equity | $9,292,600 | 5,639 |
| Average total loans | $43,572,800 | 5,999 |