Home > First Community Bank of Cullman > Performance and Condition Ratios
First Community Bank of Cullman, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 1,407 |
| Cost of funding earning assets | 1.7223% | 1,403 |
| Net interest margin | 3.6202% | 1,935 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.9571% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5303% | 3,607 |
| Return on assets (ROA) | 0.5303% | 3,591 |
| Pretax return on assets | 0.6823% | 3,472 |
| Return on Equity (ROE) | 4.6200% | 3,794 |
| Retained earnings to average equity (ytd only) | 0.7703% | 3,882 |
| Net charge-offs to loans | -0.0516% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.2530% | 830 |
| Assets per employee ($millions) | 6.4415% | 2,457 |
| Cash dividends to net income (ytd only)* | 83.3333% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 666 |
| Loan loss allowance to noncurrent loans | 324.0991% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 1,369 |
| Noncurrent loans to loans | 0.5236% | 1,482 |
| Net loans and leases to total assets | 76.1300% | 1,098 |
| Net loans and leases to deposits | 101.5606% | 457 |
| Net loans and leases to core deposits | 119.7019% | 633 |
| Total domestic deposits to total assets | 74.9600% | 4,034 |
| Equity capital to assets | 12.0698% | 1,104 |
| Core capital (leverage) ratio | 12.1657% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $113,152,000 | 3,715 |
| Average earning assets | $103,116,600 | 3,711 |
| Average equity | $12,982,600 | 3,430 |
| Average total loans | $89,203,200 | 3,299 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2186% | 1,423 |
| Cost of funding earning assets | 1.5585% | 1,462 |
| Net interest margin | 3.6602% | 1,863 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.9421% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5985% | 3,547 |
| Return on assets (ROA) | 0.5985% | 3,534 |
| Pretax return on assets | 0.7867% | 3,365 |
| Return on Equity (ROE) | 5.2800% | 3,766 |
| Retained earnings to average equity (ytd only) | 0.1238% | 4,086 |
| Net charge-offs to loans | -0.0723% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.9028% | 942 |
| Assets per employee ($millions) | 6.5054% | 2,325 |
| Cash dividends to net income (ytd only)* | 97.6563% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 827 |
| Loan loss allowance to noncurrent loans | 1,486.5979% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,004 |
| Noncurrent loans to loans | 0.1097% | 3,027 |
| Net loans and leases to total assets | 78.6300% | 801 |
| Net loans and leases to deposits | 107.0585% | 270 |
| Net loans and leases to core deposits | 125.4585% | 426 |
| Total domestic deposits to total assets | 73.4400% | 4,192 |
| Equity capital to assets | 11.7603% | 1,106 |
| Core capital (leverage) ratio | 11.8797% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $114,063,750 | 3,719 |
| Average earning assets | $104,545,500 | 3,715 |
| Average equity | $12,924,000 | 3,428 |
| Average total loans | $90,303,250 | 3,286 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 1,391 |
| Cost of funding earning assets | 1.3680% | 1,534 |
| Net interest margin | 3.7236% | 1,777 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.9352% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6839% | 3,373 |
| Return on assets (ROA) | 0.6839% | 3,378 |
| Pretax return on assets | 0.8991% | 3,167 |
| Return on Equity (ROE) | 6.1100% | 3,665 |
| Retained earnings to average equity (ytd only) | -1.6438% | 4,267 |
| Net charge-offs to loans | -0.1166% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.5505% | 1,129 |
| Assets per employee ($millions) | 6.6443% | 2,181 |
| Cash dividends to net income (ytd only)* | 126.9036% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 952 |
| Loan loss allowance to noncurrent loans | 1,980.8219% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,122 |
| Noncurrent loans to loans | 0.0803% | 3,114 |
| Net loans and leases to total assets | 79.2000% | 715 |
| Net loans and leases to deposits | 107.8613% | 252 |
| Net loans and leases to core deposits | 127.9379% | 356 |
| Total domestic deposits to total assets | 73.4300% | 4,228 |
| Equity capital to assets | 11.4304% | 1,219 |
| Core capital (leverage) ratio | 11.7362% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $115,221,000 | 3,723 |
| Average earning assets | $105,704,333 | 3,716 |
| Average equity | $12,896,667 | 3,445 |
| Average total loans | $90,939,000 | 3,286 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9620% | 1,298 |
| Cost of funding earning assets | 1.1534% | 1,583 |
| Net interest margin | 3.8086% | 1,672 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.9118% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7151% | 3,432 |
| Return on assets (ROA) | 0.7151% | 3,385 |
| Pretax return on assets | 0.9419% | 3,146 |
| Return on Equity (ROE) | 6.4500% | 3,635 |
| Retained earnings to average equity (ytd only) | -9.0616% | 4,456 |
| Net charge-offs to loans | -0.2375% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.5575% | 1,200 |
| Assets per employee ($millions) | 6.5595% | 2,299 |
| Cash dividends to net income (ytd only)* | 240.3846% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,072 |
| Loan loss allowance to noncurrent loans | 552.2901% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 1,940 |
| Noncurrent loans to loans | 0.2843% | 2,128 |
| Net loans and leases to total assets | 81.3500% | 431 |
| Net loans and leases to deposits | 100.2099% | 437 |
| Net loans and leases to core deposits | 118.3293% | 485 |
| Total domestic deposits to total assets | 81.1800% | 3,611 |
| Equity capital to assets | 11.4409% | 1,172 |
| Core capital (leverage) ratio | 11.3520% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $116,355,000 | 3,758 |
| Average earning assets | $106,811,000 | 3,750 |
| Average equity | $12,889,500 | 3,484 |
| Average total loans | $90,956,500 | 3,317 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 759 |
| Cost of funding earning assets | 0.6314% | 784 |
| Net interest margin | 3.8424% | 1,077 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.8645% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9523% | 2,762 |
| Return on assets (ROA) | 0.9523% | 2,710 |
| Pretax return on assets | 1.2473% | 2,286 |
| Return on Equity (ROE) | 9.0400% | 3,123 |
| Retained earnings to average equity (ytd only) | 5.0979% | 3,006 |
| Net charge-offs to loans | 0.1874% | 439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.6763% | 2,256 |
| Efficiency ratio | 69.6645% | 1,730 |
| Assets per employee ($millions) | 7.1293% | 1,873 |
| Cash dividends to net income (ytd only)* | 43.6300% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,069 |
| Loan loss allowance to noncurrent loans | 462.7907% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 1,908 |
| Noncurrent loans to loans | 0.3354% | 1,950 |
| Net loans and leases to total assets | 72.9000% | 1,322 |
| Net loans and leases to deposits | 93.9418% | 789 |
| Net loans and leases to core deposits | 109.4801% | 627 |
| Total domestic deposits to total assets | 77.6000% | 4,124 |
| Equity capital to assets | 10.7436% | 1,358 |
| Core capital (leverage) ratio | 11.2775% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $120,335,800 | 3,725 |
| Average earning assets | $110,713,200 | 3,717 |
| Average equity | $12,671,800 | 3,604 |
| Average total loans | $92,331,800 | 3,258 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 645 |
| Cost of funding earning assets | 0.5455% | 591 |
| Net interest margin | 3.8100% | 939 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.8870% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9179% | 2,804 |
| Return on assets (ROA) | 0.9179% | 2,771 |
| Pretax return on assets | 1.2088% | 2,333 |
| Return on Equity (ROE) | 8.7600% | 3,099 |
| Retained earnings to average equity (ytd only) | 3.4645% | 3,642 |
| Net charge-offs to loans | 0.1448% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 10.7822% | 1,971 |
| Efficiency ratio | 70.4878% | 1,699 |
| Assets per employee ($millions) | 6.5045% | 2,314 |
| Cash dividends to net income (ytd only)* | 60.4595% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 1,127 |
| Loan loss allowance to noncurrent loans | 554.9242% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 2,105 |
| Noncurrent loans to loans | 0.2826% | 2,242 |
| Net loans and leases to total assets | 78.5500% | 658 |
| Net loans and leases to deposits | 96.7748% | 509 |
| Net loans and leases to core deposits | 112.5666% | 400 |
| Total domestic deposits to total assets | 81.1700% | 3,950 |
| Equity capital to assets | 10.8361% | 1,235 |
| Core capital (leverage) ratio | 11.0165% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $120,120,250 | 3,751 |
| Average earning assets | $110,479,000 | 3,745 |
| Average equity | $12,584,500 | 3,650 |
| Average total loans | $92,977,250 | 3,256 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 635 |
| Cost of funding earning assets | 0.4915% | 540 |
| Net interest margin | 3.7057% | 902 |
| Noninterest income to average assets | 0.6456% | 1,562 |
| Noninterest expense to average assets | 2.9009% | 985 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8784% | 2,676 |
| Return on assets (ROA) | 0.8784% | 2,655 |
| Pretax return on assets | 1.1558% | 2,226 |
| Return on Equity (ROE) | 8.4779% | 2,873 |
| Retained earnings to average equity (ytd only) | 4.4939% | 2,884 |
| Net charge-offs to loans | 0.1918% | 337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.8652% | 1,843 |
| Efficiency ratio | 71.5100% | 1,773 |
| Assets per employee ($millions) | 6.8746% | 2,022 |
| Cash dividends to net income (ytd only)* | 46.9925% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 1,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 78.1294% | 542 |
| Net loans and leases to deposits | 96.2241% | 425 |
| Net loans and leases to core deposits | 111.9600% | 319 |
| Total domestic deposits to total assets | 81.1952% | 4,104 |
| Equity capital to assets | 10.8908% | 1,261 |
| Core capital (leverage) ratio | 10.6555% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,133,333 | 3,790 |
| Average earning assets | $111,505,000 | 3,786 |
| Average equity | $12,550,333 | 3,728 |
| Average total loans | $92,825,333 | 3,289 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 806 |
| Cost of funding earning assets | 0.5066% | 479 |
| Net interest margin | 3.4691% | 1,142 |
| Noninterest income to average assets | 0.6620% | 1,443 |
| Noninterest expense to average assets | 3.0341% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6295% | 3,303 |
| Return on assets (ROA) | 0.6295% | 3,283 |
| Pretax return on assets | 0.8275% | 3,022 |
| Return on Equity (ROE) | 6.2272% | 3,279 |
| Retained earnings to average equity (ytd only) | -1.7975% | 4,235 |
| Net charge-offs to loans | 0.1292% | 435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 1,511 |
| Efficiency ratio | 78.5714% | 1,265 |
| Assets per employee ($millions) | 6.8341% | 2,117 |
| Cash dividends to net income (ytd only)* | 128.8660% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 1,124 |
| Loan loss allowance to noncurrent loans | 383.0424% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 1,810 |
| Noncurrent loans to loans | 0.4341% | 1,945 |
| Net loans and leases to total assets | 73.8467% | 672 |
| Net loans and leases to deposits | 90.4295% | 489 |
| Net loans and leases to core deposits | 104.6194% | 375 |
| Total domestic deposits to total assets | 81.6621% | 4,120 |
| Equity capital to assets | 10.1274% | 1,808 |
| Core capital (leverage) ratio | 10.1561% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,265,500 | 3,788 |
| Average earning assets | $113,688,500 | 3,786 |
| Average equity | $12,461,500 | 3,816 |
| Average total loans | $92,845,000 | 3,286 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 1,181 |
| Cost of funding earning assets | 0.8097% | 196 |
| Net interest margin | 3.2798% | 2,364 |
| Noninterest income to average assets | 0.8049% | 1,432 |
| Noninterest expense to average assets | 2.6955% | 1,645 |
| Loan and lease loss provision to assets | 0.0088% | 2,903 |
| Net operating income to assets | 0.8540% | 3,174 |
| Return on assets (ROA) | 0.8540% | 3,244 |
| Pretax return on assets | 1.1105% | 2,929 |
| Return on Equity (ROE) | 8.9386% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.9386% | 1,221 |
| Net charge-offs to loans | 0.0141% | 2,039 |
| Credit loss provision to net charge-offs | 84.6154% | 1,921 |
| Earnings coverage of net charge-offs (x) | 107.0769% | 849 |
| Efficiency ratio | 70.6577% | 1,662 |
| Assets per employee ($millions) | 5.8818% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 1,094 |
| Loan loss allowance to noncurrent loans | 522.0000% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 2,343 |
| Noncurrent loans to loans | 0.3215% | 2,441 |
| Net loans and leases to total assets | 74.2782% | 642 |
| Net loans and leases to deposits | 90.9737% | 527 |
| Net loans and leases to core deposits | 106.8428% | 353 |
| Total domestic deposits to total assets | 81.6480% | 4,015 |
| Equity capital to assets | 10.0916% | 2,567 |
| Core capital (leverage) ratio | 9.9579% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,357,600 | 3,752 |
| Average earning assets | $114,121,600 | 3,759 |
| Average equity | $11,881,000 | 3,944 |
| Average total loans | $92,206,200 | 3,305 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 1,350 |
| Cost of funding earning assets | 0.8811% | 171 |
| Net interest margin | 3.1998% | 2,728 |
| Noninterest income to average assets | 0.7728% | 1,606 |
| Noninterest expense to average assets | 2.7326% | 1,508 |
| Loan and lease loss provision to assets | 0.0096% | 2,798 |
| Net operating income to assets | 0.7364% | 3,683 |
| Return on assets (ROA) | 0.7364% | 3,746 |
| Pretax return on assets | 0.9654% | 3,554 |
| Return on Equity (ROE) | 7.8169% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.8169% | 2,111 |
| Net charge-offs to loans | 0.0131% | 1,843 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 101.2222% | 866 |
| Efficiency ratio | 73.7009% | 1,238 |
| Assets per employee ($millions) | 6.2432% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 939 |
| Loan loss allowance to noncurrent loans | 330.1053% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 1,919 |
| Noncurrent loans to loans | 0.5436% | 1,959 |
| Net loans and leases to total assets | 68.7305% | 1,234 |
| Net loans and leases to deposits | 83.7487% | 978 |
| Net loans and leases to core deposits | 102.2787% | 515 |
| Total domestic deposits to total assets | 82.0675% | 3,918 |
| Equity capital to assets | 9.6770% | 3,216 |
| Core capital (leverage) ratio | 9.6077% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,567,500 | 3,789 |
| Average earning assets | $114,253,250 | 3,800 |
| Average equity | $11,735,000 | 4,016 |
| Average total loans | $91,929,500 | 3,352 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 1,467 |
| Cost of funding earning assets | 0.9208% | 171 |
| Net interest margin | 3.1237% | 2,973 |
| Noninterest income to average assets | 0.8211% | 1,475 |
| Noninterest expense to average assets | 2.7461% | 1,473 |
| Loan and lease loss provision to assets | 0.0096% | 2,737 |
| Net operating income to assets | 0.7070% | 3,744 |
| Return on assets (ROA) | 0.7070% | 3,810 |
| Pretax return on assets | 0.9271% | 3,604 |
| Return on Equity (ROE) | 7.5738% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.5738% | 2,225 |
| Net charge-offs to loans | 0.0171% | 1,603 |
| Credit loss provision to net charge-offs | 75.0000% | 1,504 |
| Earnings coverage of net charge-offs (x) | 72.8750% | 883 |
| Efficiency ratio | 74.5637% | 1,198 |
| Assets per employee ($millions) | 6.2385% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 999 |
| Loan loss allowance to noncurrent loans | 1,909.7561% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,777 |
| Noncurrent loans to loans | 0.0908% | 3,722 |
| Net loans and leases to total assets | 71.1627% | 1,058 |
| Net loans and leases to deposits | 86.5162% | 881 |
| Net loans and leases to core deposits | 107.4134% | 429 |
| Total domestic deposits to total assets | 82.2536% | 3,873 |
| Equity capital to assets | 9.4831% | 3,346 |
| Core capital (leverage) ratio | 9.3124% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,469,000 | 3,805 |
| Average earning assets | $114,030,667 | 3,808 |
| Average equity | $11,619,000 | 4,034 |
| Average total loans | $93,443,667 | 3,345 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 1,706 |
| Cost of funding earning assets | 0.9674% | 162 |
| Net interest margin | 2.9832% | 3,305 |
| Noninterest income to average assets | 0.8108% | 1,555 |
| Noninterest expense to average assets | 2.7156% | 1,589 |
| Loan and lease loss provision to assets | 0.0097% | 2,648 |
| Net operating income to assets | 0.6178% | 3,896 |
| Return on assets (ROA) | 0.6178% | 3,959 |
| Pretax return on assets | 0.8140% | 3,785 |
| Return on Equity (ROE) | 6.6710% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.6710% | 2,673 |
| Net charge-offs to loans | 0.0168% | 1,409 |
| Credit loss provision to net charge-offs | 75.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 795 |
| Efficiency ratio | 76.7273% | 1,065 |
| Assets per employee ($millions) | 6.2655% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 1,144 |
| Loan loss allowance to noncurrent loans | 79.9898% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.5633% | 388 |
| Noncurrent loans to loans | 2.0768% | 504 |
| Net loans and leases to total assets | 74.0266% | 810 |
| Net loans and leases to deposits | 92.3584% | 576 |
| Net loans and leases to core deposits | 114.6994% | 307 |
| Total domestic deposits to total assets | 80.1515% | 4,182 |
| Equity capital to assets | 9.2443% | 3,450 |
| Core capital (leverage) ratio | 9.3335% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,319,000 | 3,810 |
| Average earning assets | $113,704,500 | 3,816 |
| Average equity | $11,512,500 | 4,056 |
| Average total loans | $94,988,000 | 3,339 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 1,141 |
| Cost of funding earning assets | 1.2748% | 197 |
| Net interest margin | 3.3017% | 3,063 |
| Noninterest income to average assets | 0.6335% | 2,087 |
| Noninterest expense to average assets | 2.4178% | 3,090 |
| Loan and lease loss provision to assets | 0.3721% | 880 |
| Net operating income to assets | 0.6406% | 3,623 |
| Return on assets (ROA) | 0.6733% | 3,641 |
| Pretax return on assets | 0.8613% | 3,475 |
| Return on Equity (ROE) | 7.8669% | 2,867 |
| Retained earnings to average equity (ytd only) | 7.8669% | 1,094 |
| Net charge-offs to loans | 0.0919% | 1,534 |
| Credit loss provision to net charge-offs | 512.9032% | 1,231 |
| Earnings coverage of net charge-offs (x) | 16.4301% | 2,130 |
| Efficiency ratio | 66.9764% | 2,367 |
| Assets per employee ($millions) | 6.4910% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 1,196 |
| Loan loss allowance to noncurrent loans | 338.6609% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 2,483 |
| Noncurrent loans to loans | 0.4841% | 2,518 |
| Net loans and leases to total assets | 76.2830% | 752 |
| Net loans and leases to deposits | 95.5514% | 575 |
| Net loans and leases to core deposits | 119.2730% | 318 |
| Total domestic deposits to total assets | 79.8344% | 4,071 |
| Equity capital to assets | 9.2768% | 3,814 |
| Core capital (leverage) ratio | 9.4868% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,175,400 | 3,651 |
| Average earning assets | $115,544,800 | 3,682 |
| Average equity | $10,970,000 | 4,083 |
| Average total loans | $101,146,400 | 3,211 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 1,242 |
| Cost of funding earning assets | 1.3536% | 190 |
| Net interest margin | 3.2701% | 3,277 |
| Noninterest income to average assets | 0.6337% | 2,056 |
| Noninterest expense to average assets | 2.3835% | 3,186 |
| Loan and lease loss provision to assets | 0.3408% | 1,130 |
| Net operating income to assets | 0.6426% | 3,654 |
| Return on assets (ROA) | 0.6410% | 3,752 |
| Pretax return on assets | 0.8522% | 3,508 |
| Return on Equity (ROE) | 7.6418% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.6418% | 1,443 |
| Net charge-offs to loans | 0.1209% | 1,155 |
| Credit loss provision to net charge-offs | 355.9140% | 1,593 |
| Earnings coverage of net charge-offs (x) | 12.4731% | 2,250 |
| Efficiency ratio | 66.5995% | 2,387 |
| Assets per employee ($millions) | 6.1576% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,711 |
| Loan loss allowance to noncurrent loans | 395.0000% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 2,957 |
| Noncurrent loans to loans | 0.3560% | 3,014 |
| Net loans and leases to total assets | 77.1008% | 949 |
| Net loans and leases to deposits | 95.2881% | 817 |
| Net loans and leases to core deposits | 118.6017% | 445 |
| Total domestic deposits to total assets | 80.9133% | 3,680 |
| Equity capital to assets | 8.6490% | 4,371 |
| Core capital (leverage) ratio | 9.0381% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,387,000 | 3,619 |
| Average earning assets | $116,527,500 | 3,658 |
| Average equity | $10,852,250 | 4,104 |
| Average total loans | $102,521,250 | 3,205 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,354 |
| Cost of funding earning assets | 1.4245% | 210 |
| Net interest margin | 3.2981% | 3,392 |
| Noninterest income to average assets | 0.5780% | 2,218 |
| Noninterest expense to average assets | 2.4773% | 3,029 |
| Loan and lease loss provision to assets | 0.2411% | 1,744 |
| Net operating income to assets | 0.6219% | 3,668 |
| Return on assets (ROA) | 0.6244% | 3,734 |
| Pretax return on assets | 0.8253% | 3,519 |
| Return on Equity (ROE) | 7.5221% | 2,930 |
| Retained earnings to average equity (ytd only) | 7.5221% | 1,456 |
| Net charge-offs to loans | 0.0311% | 2,102 |
| Credit loss provision to net charge-offs | 975.0000% | 806 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,196 |
| Efficiency ratio | 69.9694% | 1,960 |
| Assets per employee ($millions) | 6.3369% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,156 |
| Loan loss allowance to noncurrent loans | 639.6135% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 3,377 |
| Noncurrent loans to loans | 0.1985% | 3,663 |
| Net loans and leases to total assets | 81.2527% | 473 |
| Net loans and leases to deposits | 100.5694% | 518 |
| Net loans and leases to core deposits | 125.7532% | 314 |
| Total domestic deposits to total assets | 80.7927% | 3,658 |
| Equity capital to assets | 8.6533% | 4,387 |
| Core capital (leverage) ratio | 8.5377% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,412,667 | 3,603 |
| Average earning assets | $116,248,333 | 3,645 |
| Average equity | $10,741,667 | 4,128 |
| Average total loans | $102,988,000 | 3,190 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 1,402 |
| Cost of funding earning assets | 1.4755% | 295 |
| Net interest margin | 3.3300% | 3,515 |
| Noninterest income to average assets | 0.5904% | 2,078 |
| Noninterest expense to average assets | 2.4505% | 3,420 |
| Loan and lease loss provision to assets | 0.2386% | 1,301 |
| Net operating income to assets | 0.6730% | 3,356 |
| Return on assets (ROA) | 0.6730% | 3,425 |
| Pretax return on assets | 0.8841% | 3,177 |
| Return on Equity (ROE) | 8.2792% | 2,396 |
| Retained earnings to average equity (ytd only) | 8.2792% | 1,148 |
| Net charge-offs to loans | 0.0547% | 1,462 |
| Credit loss provision to net charge-offs | 557.1429% | 826 |
| Earnings coverage of net charge-offs (x) | 26.2143% | 1,259 |
| Efficiency ratio | 68.5788% | 2,574 |
| Assets per employee ($millions) | 6.6338% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,470 |
| Loan loss allowance to noncurrent loans | 226.9091% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 2,381 |
| Noncurrent loans to loans | 0.5450% | 2,634 |
| Net loans and leases to total assets | 75.1212% | 1,440 |
| Net loans and leases to deposits | 100.3999% | 532 |
| Net loans and leases to core deposits | 127.2708% | 314 |
| Total domestic deposits to total assets | 74.8219% | 4,595 |
| Equity capital to assets | 8.1010% | 4,949 |
| Core capital (leverage) ratio | 8.1971% | 4,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6862% | 2,849 |
| Memoranda: | ||
| Average total assets | $130,750,000 | 3,577 |
| Average earning assets | $117,115,500 | 3,613 |
| Average equity | $10,629,000 | 4,159 |
| Average total loans | $102,331,000 | 3,190 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 1,402 |
| Cost of funding earning assets | 1.4594% | 447 |
| Net interest margin | 3.5688% | 3,231 |
| Noninterest income to average assets | 0.6165% | 2,158 |
| Noninterest expense to average assets | 2.4090% | 3,667 |
| Loan and lease loss provision to assets | 0.4826% | 268 |
| Net operating income to assets | 0.7243% | 3,786 |
| Return on assets (ROA) | 0.7243% | 3,855 |
| Pretax return on assets | 0.9222% | 3,672 |
| Return on Equity (ROE) | 8.8997% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.8997% | 737 |
| Net charge-offs to loans | 0.0256% | 2,882 |
| Credit loss provision to net charge-offs | 2,380.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 69.2800% | 891 |
| Efficiency ratio | 63.1646% | 3,196 |
| Assets per employee ($millions) | 6.4413% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 2,740 |
| Loan loss allowance to noncurrent loans | 183.2817% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 1,976 |
| Noncurrent loans to loans | 0.6227% | 2,330 |
| Net loans and leases to total assets | 79.6142% | 837 |
| Net loans and leases to deposits | 104.7694% | 347 |
| Net loans and leases to core deposits | 139.9509% | 176 |
| Total domestic deposits to total assets | 75.9899% | 4,599 |
| Equity capital to assets | 8.1584% | 5,024 |
| Core capital (leverage) ratio | 8.2916% | 4,948 |
| Tier 1 risk-based capital ratio | 11.1358% | 4,805 |
| Total risk-based capital ratio | 12.3861% | 4,694 |
| Memoranda: | ||
| Average total assets | $123,286,400 | 3,653 |
| Average earning assets | $110,458,000 | 3,702 |
| Average equity | $10,034,000 | 4,237 |
| Average total loans | $97,760,200 | 3,258 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9867% | 1,575 |
| Cost of funding earning assets | 1.4230% | 532 |
| Net interest margin | 3.5637% | 3,358 |
| Noninterest income to average assets | 0.6486% | 1,993 |
| Noninterest expense to average assets | 2.4423% | 3,583 |
| Loan and lease loss provision to assets | 0.5655% | 209 |
| Net operating income to assets | 0.5939% | 4,313 |
| Return on assets (ROA) | 0.5939% | 4,364 |
| Pretax return on assets | 0.8236% | 4,064 |
| Return on Equity (ROE) | 7.3019% | 3,581 |
| Retained earnings to average equity (ytd only) | 7.3019% | 1,711 |
| Net charge-offs to loans | 0.0277% | 2,538 |
| Credit loss provision to net charge-offs | 2,585.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 63.4904% | 1,028 |
| Efficiency ratio | 63.7454% | 3,052 |
| Assets per employee ($millions) | 6.2386% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,093 |
| Loan loss allowance to noncurrent loans | 3,174.2857% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,807 |
| Noncurrent loans to loans | 0.0343% | 4,511 |
| Net loans and leases to total assets | 80.9868% | 710 |
| Net loans and leases to deposits | 106.3495% | 306 |
| Net loans and leases to core deposits | 158.9780% | 93 |
| Total domestic deposits to total assets | 76.1515% | 4,636 |
| Equity capital to assets | 8.1317% | 5,107 |
| Core capital (leverage) ratio | 8.3328% | 5,017 |
| Tier 1 risk-based capital ratio | 10.7409% | 5,006 |
| Total risk-based capital ratio | 11.9171% | 4,951 |
| Memoranda: | ||
| Average total assets | $121,901,750 | 3,702 |
| Average earning assets | $108,874,000 | 3,770 |
| Average equity | $9,915,000 | 4,293 |
| Average total loans | $96,263,500 | 3,318 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 1,772 |
| Cost of funding earning assets | 1.3792% | 577 |
| Net interest margin | 3.5129% | 3,559 |
| Noninterest income to average assets | 0.6598% | 1,875 |
| Noninterest expense to average assets | 2.4986% | 3,486 |
| Loan and lease loss provision to assets | 0.2580% | 593 |
| Net operating income to assets | 0.7871% | 3,700 |
| Return on assets (ROA) | 0.7871% | 3,759 |
| Pretax return on assets | 1.0368% | 3,422 |
| Return on Equity (ROE) | 9.6768% | 2,546 |
| Retained earnings to average equity (ytd only) | 9.6768% | 854 |
| Net charge-offs to loans | 0.0148% | 2,610 |
| Credit loss provision to net charge-offs | 2,228.5714% | 166 |
| Earnings coverage of net charge-offs (x) | 111.8571% | 643 |
| Efficiency ratio | 65.8675% | 2,823 |
| Assets per employee ($millions) | 6.2300% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 4,553 |
| Loan loss allowance to noncurrent loans | 201.8519% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 2,654 |
| Noncurrent loans to loans | 0.3805% | 3,163 |
| Net loans and leases to total assets | 79.1067% | 1,023 |
| Net loans and leases to deposits | 103.2786% | 457 |
| Net loans and leases to core deposits | 144.8492% | 157 |
| Total domestic deposits to total assets | 76.5955% | 4,607 |
| Equity capital to assets | 8.0907% | 5,159 |
| Core capital (leverage) ratio | 8.4677% | 4,972 |
| Tier 1 risk-based capital ratio | 10.8488% | 4,975 |
| Total risk-based capital ratio | 11.6699% | 5,047 |
| Memoranda: | ||
| Average total assets | $120,945,330 | 3,746 |
| Average earning assets | $107,889,000 | 3,807 |
| Average equity | $9,838,000 | 4,323 |
| Average total loans | $94,298,330 | 3,370 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 1,885 |
| Cost of funding earning assets | 1.3062% | 651 |
| Net interest margin | 3.4981% | 3,596 |
| Noninterest income to average assets | 0.6145% | 1,977 |
| Noninterest expense to average assets | 2.5152% | 3,457 |
| Loan and lease loss provision to assets | 0.2619% | 541 |
| Net operating income to assets | 0.7354% | 3,820 |
| Return on assets (ROA) | 0.7354% | 3,873 |
| Pretax return on assets | 0.9671% | 3,559 |
| Return on Equity (ROE) | 9.0156% | 2,804 |
| Retained earnings to average equity (ytd only) | 9.0156% | 1,314 |
| Net charge-offs to loans | 0.0261% | 1,933 |
| Credit loss provision to net charge-offs | 1,300.0000% | 296 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 904 |
| Efficiency ratio | 67.1749% | 2,767 |
| Assets per employee ($millions) | 6.0631% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7332% | 4,711 |
| Loan loss allowance to noncurrent loans | 535.9375% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 3,501 |
| Noncurrent loans to loans | 0.1368% | 4,124 |
| Net loans and leases to total assets | 76.5943% | 1,387 |
| Net loans and leases to deposits | 103.1359% | 436 |
| Net loans and leases to core deposits | 139.9539% | 187 |
| Total domestic deposits to total assets | 74.2654% | 4,910 |
| Equity capital to assets | 8.1024% | 5,151 |
| Core capital (leverage) ratio | 8.4743% | 5,025 |
| Tier 1 risk-based capital ratio | 11.1631% | 4,902 |
| Total risk-based capital ratio | 11.9426% | 5,017 |
| Memoranda: | ||
| Average total assets | $119,118,000 | 3,817 |
| Average earning assets | $106,571,000 | 3,869 |
| Average equity | $9,716,500 | 4,367 |
| Average total loans | $91,782,500 | 3,455 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 3,286 |
| Cost of funding earning assets | 0.8269% | 1,412 |
| Net interest margin | 3.4200% | 3,942 |
| Noninterest income to average assets | 0.4911% | 2,880 |
| Noninterest expense to average assets | 2.8572% | 2,498 |
| Loan and lease loss provision to assets | 0.1730% | 1,152 |
| Net operating income to assets | 0.3854% | 4,883 |
| Return on assets (ROA) | 0.3854% | 4,883 |
| Pretax return on assets | 0.4738% | 4,839 |
| Return on Equity (ROE) | 4.2823% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.2823% | 3,190 |
| Net charge-offs to loans | 0.0137% | 3,221 |
| Credit loss provision to net charge-offs | 1,800.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 67.3000% | 954 |
| Efficiency ratio | 81.5414% | 838 |
| Assets per employee ($millions) | 5.5702% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6822% | 4,836 |
| Loan loss allowance to noncurrent loans | 75.6158% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 1,595 |
| Noncurrent loans to loans | 0.9022% | 1,777 |
| Net loans and leases to total assets | 76.4146% | 1,535 |
| Net loans and leases to deposits | 95.4785% | 1,124 |
| Net loans and leases to core deposits | 126.1178% | 393 |
| Total domestic deposits to total assets | 80.0333% | 4,099 |
| Equity capital to assets | 8.2137% | 5,078 |
| Core capital (leverage) ratio | 8.5627% | 4,981 |
| Tier 1 risk-based capital ratio | 11.5198% | 4,716 |
| Total risk-based capital ratio | 12.2560% | 4,868 |
| Memoranda: | ||
| Average total assets | $104,053,400 | 4,033 |
| Average earning assets | $91,667,400 | 4,115 |
| Average equity | $9,364,200 | 4,411 |
| Average total loans | $73,113,600 | 3,807 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 3,560 |
| Cost of funding earning assets | 0.7820% | 1,422 |
| Net interest margin | 3.3409% | 4,182 |
| Noninterest income to average assets | 0.5647% | 2,496 |
| Noninterest expense to average assets | 2.9463% | 2,179 |
| Loan and lease loss provision to assets | 0.1600% | 1,205 |
| Net operating income to assets | 0.3134% | 5,080 |
| Return on assets (ROA) | 0.3134% | 5,073 |
| Pretax return on assets | 0.3848% | 5,046 |
| Return on Equity (ROE) | 3.3966% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.3966% | 4,065 |
| Net charge-offs to loans | 0.0155% | 2,872 |
| Credit loss provision to net charge-offs | 1,512.5000% | 265 |
| Earnings coverage of net charge-offs (x) | 51.4827% | 1,156 |
| Efficiency ratio | 84.3939% | 623 |
| Assets per employee ($millions) | 4.9812% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 4,877 |
| Loan loss allowance to noncurrent loans | 157.3446% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 2,183 |
| Noncurrent loans to loans | 0.4450% | 3,060 |
| Net loans and leases to total assets | 72.0859% | 2,319 |
| Net loans and leases to deposits | 87.3000% | 2,233 |
| Net loans and leases to core deposits | 116.9081% | 674 |
| Total domestic deposits to total assets | 82.5726% | 3,443 |
| Equity capital to assets | 8.6142% | 4,858 |
| Core capital (leverage) ratio | 8.7631% | 4,913 |
| Tier 1 risk-based capital ratio | 12.6403% | 4,130 |
| Total risk-based capital ratio | 13.3861% | 4,316 |
| Memoranda: | ||
| Average total assets | $100,823,000 | 4,131 |
| Average earning assets | $88,316,000 | 4,218 |
| Average equity | $9,303,250 | 4,457 |
| Average total loans | $68,892,000 | 3,932 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 3,806 |
| Cost of funding earning assets | 0.6791% | 1,747 |
| Net interest margin | 3.3134% | 4,209 |
| Noninterest income to average assets | 0.6026% | 2,309 |
| Noninterest expense to average assets | 2.9764% | 2,115 |
| Loan and lease loss provision to assets | 0.1757% | 1,033 |
| Net operating income to assets | 0.2533% | 5,181 |
| Return on assets (ROA) | 0.2533% | 5,177 |
| Pretax return on assets | 0.3309% | 5,127 |
| Return on Equity (ROE) | 2.6789% | 5,066 |
| Retained earnings to average equity (ytd only) | 2.6789% | 4,179 |
| Net charge-offs to loans | 0.0184% | 2,525 |
| Credit loss provision to net charge-offs | 1,433.3333% | 297 |
| Earnings coverage of net charge-offs (x) | 41.3333% | 1,262 |
| Efficiency ratio | 85.4545% | 601 |
| Assets per employee ($millions) | 4.9634% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7217% | 4,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 2,222 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 66.0164% | 3,149 |
| Net loans and leases to deposits | 77.9831% | 3,160 |
| Net loans and leases to core deposits | 104.1419% | 1,386 |
| Total domestic deposits to total assets | 84.6548% | 2,815 |
| Equity capital to assets | 8.5444% | 4,912 |
| Core capital (leverage) ratio | 9.0303% | 4,667 |
| Tier 1 risk-based capital ratio | 13.7063% | 3,507 |
| Total risk-based capital ratio | 14.4761% | 3,696 |
| Memoranda: | ||
| Average total assets | $97,902,000 | 4,211 |
| Average earning assets | $85,109,000 | 4,315 |
| Average equity | $9,257,670 | 4,502 |
| Average total loans | $65,338,330 | 4,037 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 3,970 |
| Cost of funding earning assets | 0.5414% | 2,468 |
| Net interest margin | 3.3439% | 4,069 |
| Noninterest income to average assets | 0.6460% | 2,048 |
| Noninterest expense to average assets | 3.0480% | 1,952 |
| Loan and lease loss provision to assets | 0.2558% | 572 |
| Net operating income to assets | 0.1778% | 5,267 |
| Return on assets (ROA) | 0.1778% | 5,263 |
| Pretax return on assets | 0.2341% | 5,236 |
| Return on Equity (ROE) | 1.7785% | 5,210 |
| Retained earnings to average equity (ytd only) | 1.7785% | 4,421 |
| Net charge-offs to loans | 0.0972% | 1,205 |
| Credit loss provision to net charge-offs | 393.3333% | 702 |
| Earnings coverage of net charge-offs (x) | 7.5333% | 2,081 |
| Efficiency ratio | 86.1520% | 637 |
| Assets per employee ($millions) | 5.1091% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 4,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7067% | 2,205 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.7844% | 2,929 |
| Net loans and leases to deposits | 81.3443% | 2,649 |
| Net loans and leases to core deposits | 106.3730% | 1,210 |
| Total domestic deposits to total assets | 82.1009% | 3,928 |
| Equity capital to assets | 9.5280% | 4,066 |
| Core capital (leverage) ratio | 10.3212% | 3,165 |
| Tier 1 risk-based capital ratio | 15.2287% | 2,775 |
| Total risk-based capital ratio | 16.0322% | 2,909 |
| Memoranda: | ||
| Average total assets | $92,256,000 | 4,366 |
| Average earning assets | $79,787,500 | 4,448 |
| Average equity | $9,221,500 | 4,556 |
| Average total loans | $61,702,500 | 4,161 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 4,229 |
| Cost of funding earning assets | 0.3869% | 3,373 |
| Net interest margin | 3.3590% | 3,976 |
| Noninterest income to average assets | 0.5642% | 2,636 |
| Noninterest expense to average assets | 2.6797% | 3,196 |
| Loan and lease loss provision to assets | 0.0940% | 2,325 |
| Net operating income to assets | 0.5518% | 4,218 |
| Return on assets (ROA) | 0.5518% | 4,246 |
| Pretax return on assets | 0.6693% | 4,581 |
| Return on Equity (ROE) | 4.9761% | 4,168 |
| Retained earnings to average equity (ytd only) | 4.9761% | 2,141 |
| Net charge-offs to loans | 0.0155% | 3,573 |
| Credit loss provision to net charge-offs | 950.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 77.1250% | 794 |
| Efficiency ratio | 77.8297% | 1,377 |
| Assets per employee ($millions) | 5.4650% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 4,921 |
| Loan loss allowance to noncurrent loans | 242.6230% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 1,557 |
| Noncurrent loans to loans | 0.3150% | 3,652 |
| Net loans and leases to total assets | 65.9241% | 3,112 |
| Net loans and leases to deposits | 78.4229% | 3,071 |
| Net loans and leases to core deposits | 100.2417% | 1,695 |
| Total domestic deposits to total assets | 84.0622% | 3,181 |
| Equity capital to assets | 10.5146% | 3,156 |
| Core capital (leverage) ratio | 10.7652% | 2,573 |
| Tier 1 risk-based capital ratio | 16.7340% | 2,182 |
| Total risk-based capital ratio | 17.5421% | 2,273 |
| Memoranda: | ||
| Average total assets | $80,829,200 | 4,573 |
| Average earning assets | $69,276,600 | 4,676 |
| Average equity | $8,962,800 | 4,617 |
| Average total loans | $51,636,800 | 4,417 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,287 |
| Cost of funding earning assets | 0.3599% | 3,571 |
| Net interest margin | 3.3531% | 4,000 |
| Noninterest income to average assets | 0.5490% | 2,734 |
| Noninterest expense to average assets | 2.5293% | 3,630 |
| Loan and lease loss provision to assets | 0.1010% | 2,095 |
| Net operating income to assets | 0.5372% | 4,627 |
| Return on assets (ROA) | 0.5372% | 4,659 |
| Pretax return on assets | 0.7898% | 4,376 |
| Return on Equity (ROE) | 4.7762% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.7762% | 3,031 |
| Net charge-offs to loans | 0.0187% | 3,120 |
| Credit loss provision to net charge-offs | 857.1429% | 412 |
| Earnings coverage of net charge-offs (x) | 75.5970% | 851 |
| Efficiency ratio | 73.9537% | 1,900 |
| Assets per employee ($millions) | 5.5570% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 4,822 |
| Loan loss allowance to noncurrent loans | 80.1869% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 1,506 |
| Noncurrent loans to loans | 1.0302% | 1,882 |
| Net loans and leases to total assets | 61.7899% | 3,674 |
| Net loans and leases to deposits | 74.1154% | 3,548 |
| Net loans and leases to core deposits | 92.7901% | 2,370 |
| Total domestic deposits to total assets | 83.3699% | 3,338 |
| Equity capital to assets | 10.8644% | 3,003 |
| Core capital (leverage) ratio | 11.1757% | 2,298 |
| Tier 1 risk-based capital ratio | 18.4159% | 1,754 |
| Total risk-based capital ratio | 19.2883% | 1,797 |
| Memoranda: | ||
| Average total assets | $79,176,500 | 4,649 |
| Average earning assets | $67,796,250 | 4,754 |
| Average equity | $8,905,000 | 4,675 |
| Average total loans | $50,024,000 | 4,504 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 4,148 |
| Cost of funding earning assets | 0.3607% | 3,476 |
| Net interest margin | 3.3632% | 3,897 |
| Noninterest income to average assets | 0.5734% | 2,588 |
| Noninterest expense to average assets | 2.4041% | 4,042 |
| Loan and lease loss provision to assets | 0.1157% | 1,777 |
| Net operating income to assets | 0.6068% | 4,273 |
| Return on assets (ROA) | 0.6068% | 4,319 |
| Pretax return on assets | 0.9308% | 3,825 |
| Return on Equity (ROE) | 5.3305% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.3305% | 2,514 |
| Net charge-offs to loans | 0.0162% | 2,921 |
| Credit loss provision to net charge-offs | 1,125.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 101.7500% | 648 |
| Efficiency ratio | 69.6721% | 2,731 |
| Assets per employee ($millions) | 6.0332% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 4,839 |
| Loan loss allowance to noncurrent loans | 90.4555% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 2,180 |
| Noncurrent loans to loans | 0.9295% | 2,109 |
| Net loans and leases to total assets | 62.7010% | 3,549 |
| Net loans and leases to deposits | 75.6919% | 3,377 |
| Net loans and leases to core deposits | 89.4176% | 2,580 |
| Total domestic deposits to total assets | 82.8371% | 3,617 |
| Equity capital to assets | 11.4445% | 2,372 |
| Core capital (leverage) ratio | 11.5158% | 1,960 |
| Tier 1 risk-based capital ratio | 19.1357% | 1,568 |
| Total risk-based capital ratio | 20.0247% | 1,604 |
| Memoranda: | ||
| Average total assets | $77,783,670 | 4,707 |
| Average earning assets | $66,543,000 | 4,817 |
| Average equity | $8,854,670 | 4,706 |
| Average total loans | $49,387,330 | 4,545 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7137% | 4,072 |
| Cost of funding earning assets | 0.3617% | 3,391 |
| Net interest margin | 3.3520% | 3,838 |
| Noninterest income to average assets | 0.5164% | 2,860 |
| Noninterest expense to average assets | 2.4116% | 4,084 |
| Loan and lease loss provision to assets | 0.1239% | 1,550 |
| Net operating income to assets | 0.5577% | 4,340 |
| Return on assets (ROA) | 0.5577% | 4,385 |
| Pretax return on assets | 0.8521% | 3,932 |
| Return on Equity (ROE) | 4.9124% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.9124% | 2,938 |
| Net charge-offs to loans | 0.0081% | 2,692 |
| Credit loss provision to net charge-offs | 2,400.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 301 |
| Efficiency ratio | 71.1890% | 2,702 |
| Assets per employee ($millions) | 6.4570% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 5,018 |
| Loan loss allowance to noncurrent loans | 118.7500% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 2,655 |
| Noncurrent loans to loans | 0.6884% | 2,779 |
| Net loans and leases to total assets | 62.4787% | 3,469 |
| Net loans and leases to deposits | 75.3303% | 3,269 |
| Net loans and leases to core deposits | 89.1514% | 2,439 |
| Total domestic deposits to total assets | 82.9397% | 3,862 |
| Equity capital to assets | 11.4191% | 2,240 |
| Core capital (leverage) ratio | 11.3214% | 2,089 |
| Tier 1 risk-based capital ratio | 19.1760% | 1,569 |
| Total risk-based capital ratio | 20.0407% | 1,622 |
| Memoranda: | ||
| Average total assets | $77,460,000 | 4,760 |
| Average earning assets | $66,349,000 | 4,871 |
| Average equity | $8,794,000 | 4,751 |
| Average total loans | $49,284,000 | 4,583 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4884% | 4,812 |
| Cost of funding earning assets | 0.3448% | 3,584 |
| Net interest margin | 3.1436% | 4,608 |
| Noninterest income to average assets | 0.5251% | 3,059 |
| Noninterest expense to average assets | 2.4956% | 4,027 |
| Loan and lease loss provision to assets | 0.0885% | 2,594 |
| Net operating income to assets | 0.4789% | 4,715 |
| Return on assets (ROA) | 0.4789% | 4,789 |
| Pretax return on assets | 0.7271% | 4,400 |
| Return on Equity (ROE) | 4.4927% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.4927% | 2,711 |
| Net charge-offs to loans | 0.0061% | 4,041 |
| Credit loss provision to net charge-offs | 2,366.6667% | 179 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 320 |
| Efficiency ratio | 75.3672% | 2,082 |
| Assets per employee ($millions) | 5.5311% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7557% | 5,223 |
| Loan loss allowance to noncurrent loans | 92.6108% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 2,483 |
| Noncurrent loans to loans | 0.8159% | 2,483 |
| Net loans and leases to total assets | 63.7714% | 3,384 |
| Net loans and leases to deposits | 76.0097% | 3,313 |
| Net loans and leases to core deposits | 89.7463% | 2,528 |
| Total domestic deposits to total assets | 83.8990% | 3,459 |
| Equity capital to assets | 11.2867% | 2,338 |
| Core capital (leverage) ratio | 12.5315% | 1,319 |
| Tier 1 risk-based capital ratio | 18.8010% | 1,657 |
| Total risk-based capital ratio | 19.6098% | 1,728 |
| Memoranda: | ||
| Average total assets | $80,181,600 | 4,731 |
| Average earning assets | $71,064,000 | 4,780 |
| Average equity | $8,547,200 | 4,833 |
| Average total loans | $48,915,600 | 4,600 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4248% | 4,973 |
| Cost of funding earning assets | 0.3417% | 3,634 |
| Net interest margin | 3.0830% | 4,817 |
| Noninterest income to average assets | 0.5111% | 3,176 |
| Noninterest expense to average assets | 2.4781% | 4,053 |
| Loan and lease loss provision to assets | 0.0791% | 2,635 |
| Net operating income to assets | 0.4649% | 4,821 |
| Return on assets (ROA) | 0.4649% | 4,896 |
| Pretax return on assets | 0.7057% | 4,595 |
| Return on Equity (ROE) | 4.4239% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.4239% | 3,185 |
| Net charge-offs to loans | -0.0055% | 4,633 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9474% | 1,978 |
| Assets per employee ($millions) | 5.6673% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7337% | 5,348 |
| Loan loss allowance to noncurrent loans | 1,790.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 4,450 |
| Noncurrent loans to loans | 0.0410% | 5,200 |
| Net loans and leases to total assets | 61.0433% | 3,736 |
| Net loans and leases to deposits | 72.4926% | 3,754 |
| Net loans and leases to core deposits | 85.1539% | 3,026 |
| Total domestic deposits to total assets | 84.2063% | 3,141 |
| Equity capital to assets | 10.8896% | 3,148 |
| Core capital (leverage) ratio | 11.8903% | 1,752 |
| Tier 1 risk-based capital ratio | 18.8490% | 1,706 |
| Total risk-based capital ratio | 19.6300% | 1,779 |
| Memoranda: | ||
| Average total assets | $80,868,000 | 4,759 |
| Average earning assets | $72,178,250 | 4,792 |
| Average equity | $8,499,000 | 4,886 |
| Average total loans | $48,705,000 | 4,653 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 5,143 |
| Cost of funding earning assets | 0.3352% | 3,743 |
| Net interest margin | 3.0361% | 5,003 |
| Noninterest income to average assets | 0.4891% | 3,270 |
| Noninterest expense to average assets | 2.4725% | 4,110 |
| Loan and lease loss provision to assets | 0.0664% | 2,814 |
| Net operating income to assets | 0.4473% | 4,878 |
| Return on assets (ROA) | 0.4473% | 4,967 |
| Pretax return on assets | 0.6882% | 4,660 |
| Return on Equity (ROE) | 4.3067% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.3067% | 3,184 |
| Net charge-offs to loans | -0.0370% | 5,234 |
| Credit loss provision to net charge-offs | -300.0000% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6184% | 1,991 |
| Assets per employee ($millions) | 5.8208% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6981% | 5,524 |
| Loan loss allowance to noncurrent loans | 563.9344% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 4,331 |
| Noncurrent loans to loans | 0.1238% | 4,948 |
| Net loans and leases to total assets | 60.0496% | 3,880 |
| Net loans and leases to deposits | 70.9306% | 3,899 |
| Net loans and leases to core deposits | 82.8480% | 3,187 |
| Total domestic deposits to total assets | 84.6597% | 3,020 |
| Equity capital to assets | 10.4821% | 3,653 |
| Core capital (leverage) ratio | 11.4036% | 2,062 |
| Tier 1 risk-based capital ratio | 19.1783% | 1,655 |
| Total risk-based capital ratio | 19.9506% | 1,718 |
| Memoranda: | ||
| Average total assets | $81,376,670 | 4,786 |
| Average earning assets | $73,384,670 | 4,812 |
| Average equity | $8,452,000 | 4,933 |
| Average total loans | $48,676,330 | 4,690 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3236% | 5,274 |
| Cost of funding earning assets | 0.3307% | 3,834 |
| Net interest margin | 2.9929% | 5,136 |
| Noninterest income to average assets | 0.4083% | 3,765 |
| Noninterest expense to average assets | 2.4398% | 4,259 |
| Loan and lease loss provision to assets | 0.0148% | 3,499 |
| Net operating income to assets | 0.4329% | 4,890 |
| Return on assets (ROA) | 0.4329% | 4,969 |
| Pretax return on assets | 0.6690% | 4,625 |
| Return on Equity (ROE) | 4.1870% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.1870% | 3,389 |
| Net charge-offs to loans | -0.0992% | 5,632 |
| Credit loss provision to net charge-offs | -25.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1102% | 1,879 |
| Assets per employee ($millions) | 5.7693% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6656% | 5,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 4,414 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.8675% | 3,791 |
| Net loans and leases to deposits | 70.5552% | 3,806 |
| Net loans and leases to core deposits | 82.7472% | 3,062 |
| Total domestic deposits to total assets | 84.8520% | 3,184 |
| Equity capital to assets | 10.4618% | 3,546 |
| Core capital (leverage) ratio | 11.2620% | 2,176 |
| Tier 1 risk-based capital ratio | 19.3368% | 1,648 |
| Total risk-based capital ratio | 20.0783% | 1,742 |
| Memoranda: | ||
| Average total assets | $81,319,500 | 4,833 |
| Average earning assets | $73,774,500 | 4,850 |
| Average equity | $8,407,000 | 4,973 |
| Average total loans | $48,375,000 | 4,724 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2459% | 5,440 |
| Cost of funding earning assets | 0.3221% | 4,004 |
| Net interest margin | 2.9238% | 5,292 |
| Noninterest income to average assets | 0.4236% | 3,863 |
| Noninterest expense to average assets | 2.6626% | 3,721 |
| Loan and lease loss provision to assets | 0.0187% | 4,032 |
| Net operating income to assets | 0.2137% | 5,544 |
| Return on assets (ROA) | 0.2137% | 5,608 |
| Pretax return on assets | 0.3961% | 5,325 |
| Return on Equity (ROE) | 2.0513% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.0513% | 4,564 |
| Net charge-offs to loans | 0.1861% | 1,550 |
| Credit loss provision to net charge-offs | 17.0455% | 3,769 |
| Earnings coverage of net charge-offs (x) | 3.7727% | 3,663 |
| Efficiency ratio | 86.5205% | 961 |
| Assets per employee ($millions) | 5.8478% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6428% | 5,733 |
| Loan loss allowance to noncurrent loans | 1,545.0000% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 4,369 |
| Noncurrent loans to loans | 0.0416% | 5,351 |
| Net loans and leases to total assets | 58.3395% | 4,035 |
| Net loans and leases to deposits | 68.5497% | 4,076 |
| Net loans and leases to core deposits | 81.0391% | 3,243 |
| Total domestic deposits to total assets | 85.1055% | 3,040 |
| Equity capital to assets | 10.2163% | 3,726 |
| Core capital (leverage) ratio | 11.0214% | 2,383 |
| Tier 1 risk-based capital ratio | 19.1993% | 1,655 |
| Total risk-based capital ratio | 19.9086% | 1,743 |
| Memoranda: | ||
| Average total assets | $80,034,400 | 4,876 |
| Average earning assets | $72,646,400 | 4,884 |
| Average equity | $8,336,200 | 4,998 |
| Average total loans | $47,288,200 | 4,749 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 5,506 |
| Cost of funding earning assets | 0.3211% | 4,089 |
| Net interest margin | 2.9302% | 5,355 |
| Noninterest income to average assets | 0.4256% | 3,897 |
| Noninterest expense to average assets | 2.5736% | 3,969 |
| Loan and lease loss provision to assets | 0.0084% | 4,095 |
| Net operating income to assets | 0.3904% | 5,196 |
| Return on assets (ROA) | 0.3904% | 5,286 |
| Pretax return on assets | 0.5043% | 5,207 |
| Return on Equity (ROE) | 3.7297% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.7297% | 3,820 |
| Net charge-offs to loans | 0.2746% | 974 |
| Credit loss provision to net charge-offs | 5.1546% | 3,484 |
| Earnings coverage of net charge-offs (x) | 3.1546% | 3,549 |
| Efficiency ratio | 83.3876% | 1,230 |
| Assets per employee ($millions) | 5.8084% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6082% | 5,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 4,622 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 58.0745% | 4,131 |
| Net loans and leases to deposits | 67.9770% | 4,191 |
| Net loans and leases to core deposits | 80.6204% | 3,378 |
| Total domestic deposits to total assets | 85.4325% | 2,812 |
| Equity capital to assets | 10.3655% | 3,739 |
| Core capital (leverage) ratio | 11.0274% | 2,459 |
| Tier 1 risk-based capital ratio | 20.0347% | 1,541 |
| Total risk-based capital ratio | 20.7216% | 1,639 |
| Memoranda: | ||
| Average total assets | $79,575,750 | 4,936 |
| Average earning assets | $72,257,000 | 4,949 |
| Average equity | $8,329,250 | 5,061 |
| Average total loans | $47,092,500 | 4,806 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2597% | 5,513 |
| Cost of funding earning assets | 0.3187% | 4,174 |
| Net interest margin | 2.9410% | 5,360 |
| Noninterest income to average assets | 0.4734% | 3,534 |
| Noninterest expense to average assets | 2.5369% | 4,111 |
| Loan and lease loss provision to assets | 0.0076% | 3,954 |
| Net operating income to assets | 0.4608% | 4,941 |
| Return on assets (ROA) | 0.4608% | 5,031 |
| Pretax return on assets | 0.5924% | 4,991 |
| Return on Equity (ROE) | 4.3877% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.3877% | 3,221 |
| Net charge-offs to loans | 0.4387% | 584 |
| Credit loss provision to net charge-offs | 2.9126% | 3,141 |
| Earnings coverage of net charge-offs (x) | 2.3010% | 3,369 |
| Efficiency ratio | 80.8717% | 1,640 |
| Assets per employee ($millions) | 5.7274% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 5,991 |
| Loan loss allowance to noncurrent loans | 110.1961% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 2,846 |
| Noncurrent loans to loans | 0.5338% | 3,857 |
| Net loans and leases to total assets | 59.2300% | 3,940 |
| Net loans and leases to deposits | 69.4413% | 3,989 |
| Net loans and leases to core deposits | 80.6634% | 3,311 |
| Total domestic deposits to total assets | 85.2951% | 3,010 |
| Equity capital to assets | 10.4522% | 3,498 |
| Core capital (leverage) ratio | 11.0239% | 2,398 |
| Tier 1 risk-based capital ratio | 20.6546% | 1,429 |
| Total risk-based capital ratio | 21.3471% | 1,494 |
| Memoranda: | ||
| Average total assets | $78,995,000 | 4,998 |
| Average earning assets | $71,540,000 | 5,009 |
| Average equity | $8,296,000 | 5,099 |
| Average total loans | $46,952,000 | 4,855 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3043% | 5,445 |
| Cost of funding earning assets | 0.3158% | 4,269 |
| Net interest margin | 2.9885% | 5,247 |
| Noninterest income to average assets | 0.4796% | 3,431 |
| Noninterest expense to average assets | 2.5204% | 4,199 |
| Loan and lease loss provision to assets | 0.0102% | 3,590 |
| Net operating income to assets | 0.5000% | 4,685 |
| Return on assets (ROA) | 0.5000% | 4,808 |
| Pretax return on assets | 0.6531% | 4,750 |
| Return on Equity (ROE) | 4.7495% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.7495% | 3,192 |
| Net charge-offs to loans | 0.1289% | 1,479 |
| Credit loss provision to net charge-offs | 13.3333% | 2,410 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,070 |
| Efficiency ratio | 79.1667% | 2,009 |
| Assets per employee ($millions) | 5.7119% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7905% | 5,720 |
| Loan loss allowance to noncurrent loans | 2,164.7059% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 3,478 |
| Noncurrent loans to loans | 0.0365% | 5,645 |
| Net loans and leases to total assets | 57.7520% | 3,984 |
| Net loans and leases to deposits | 67.8538% | 3,969 |
| Net loans and leases to core deposits | 78.5689% | 3,324 |
| Total domestic deposits to total assets | 85.1124% | 3,352 |
| Equity capital to assets | 10.3794% | 3,681 |
| Core capital (leverage) ratio | 11.0874% | 2,325 |
| Tier 1 risk-based capital ratio | 20.7297% | 1,475 |
| Total risk-based capital ratio | 21.6537% | 1,514 |
| Memoranda: | ||
| Average total assets | $78,400,500 | 5,060 |
| Average earning assets | $70,938,000 | 5,070 |
| Average equity | $8,253,500 | 5,146 |
| Average total loans | $46,541,000 | 4,896 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 5,190 |
| Cost of funding earning assets | 0.3290% | 4,504 |
| Net interest margin | 3.2312% | 4,825 |
| Noninterest income to average assets | 0.4969% | 3,537 |
| Noninterest expense to average assets | 2.9222% | 3,079 |
| Loan and lease loss provision to assets | 0.0083% | 4,456 |
| Net operating income to assets | 0.4432% | 5,049 |
| Return on assets (ROA) | 0.4432% | 5,137 |
| Pretax return on assets | 0.4597% | 5,359 |
| Return on Equity (ROE) | 4.0196% | 5,104 |
| Retained earnings to average equity (ytd only) | 4.0196% | 3,347 |
| Net charge-offs to loans | 0.0557% | 3,717 |
| Credit loss provision to net charge-offs | 23.0769% | 3,935 |
| Earnings coverage of net charge-offs (x) | 13.0769% | 2,308 |
| Efficiency ratio | 86.1957% | 1,149 |
| Assets per employee ($millions) | 5.4882% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 5,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 3,556 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 60.0651% | 3,785 |
| Net loans and leases to deposits | 71.3627% | 3,753 |
| Net loans and leases to core deposits | 82.4478% | 3,053 |
| Total domestic deposits to total assets | 84.1687% | 3,643 |
| Equity capital to assets | 10.6813% | 3,263 |
| Core capital (leverage) ratio | 11.1220% | 2,290 |
| Tier 1 risk-based capital ratio | 20.5124% | 1,509 |
| Total risk-based capital ratio | 21.4704% | 1,526 |
| Memoranda: | ||
| Average total assets | $72,651,200 | 5,214 |
| Average earning assets | $65,052,800 | 5,249 |
| Average equity | $8,010,800 | 5,197 |
| Average total loans | $46,662,600 | 4,929 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6092% | 5,117 |
| Cost of funding earning assets | 0.3292% | 4,575 |
| Net interest margin | 3.2800% | 4,683 |
| Noninterest income to average assets | 0.4748% | 3,716 |
| Noninterest expense to average assets | 2.8247% | 3,370 |
| Loan and lease loss provision to assets | 0.0093% | 4,236 |
| Net operating income to assets | 0.4469% | 5,085 |
| Return on assets (ROA) | 0.4469% | 5,164 |
| Pretax return on assets | 0.5716% | 5,122 |
| Return on Equity (ROE) | 4.0191% | 5,158 |
| Retained earnings to average equity (ytd only) | 4.0191% | 3,786 |
| Net charge-offs to loans | 0.0600% | 3,349 |
| Credit loss provision to net charge-offs | 23.8095% | 3,538 |
| Earnings coverage of net charge-offs (x) | 14.8568% | 2,105 |
| Efficiency ratio | 82.9415% | 1,502 |
| Assets per employee ($millions) | 5.3125% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 5,799 |
| Loan loss allowance to noncurrent loans | 19,250.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 3,530 |
| Noncurrent loans to loans | 0.0043% | 6,029 |
| Net loans and leases to total assets | 61.9240% | 3,493 |
| Net loans and leases to deposits | 73.2524% | 3,526 |
| Net loans and leases to core deposits | 84.2884% | 2,849 |
| Total domestic deposits to total assets | 84.5351% | 3,533 |
| Equity capital to assets | 10.8787% | 3,086 |
| Core capital (leverage) ratio | 11.0530% | 2,435 |
| Tier 1 risk-based capital ratio | 20.4590% | 1,563 |
| Total risk-based capital ratio | 21.4344% | 1,591 |
| Memoranda: | ||
| Average total assets | $71,605,250 | 5,294 |
| Average earning assets | $63,982,750 | 5,338 |
| Average equity | $7,961,750 | 5,250 |
| Average total loans | $46,695,250 | 4,977 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 4,986 |
| Cost of funding earning assets | 0.3266% | 4,677 |
| Net interest margin | 3.3297% | 4,472 |
| Noninterest income to average assets | 0.4584% | 3,800 |
| Noninterest expense to average assets | 2.8777% | 3,246 |
| Loan and lease loss provision to assets | 0.0085% | 4,065 |
| Net operating income to assets | 0.4216% | 5,127 |
| Return on assets (ROA) | 0.4216% | 5,212 |
| Pretax return on assets | 0.5433% | 5,151 |
| Return on Equity (ROE) | 3.7633% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.7633% | 3,795 |
| Net charge-offs to loans | 0.0812% | 2,878 |
| Credit loss provision to net charge-offs | 15.7895% | 3,246 |
| Earnings coverage of net charge-offs (x) | 10.2632% | 2,267 |
| Efficiency ratio | 83.9109% | 1,529 |
| Assets per employee ($millions) | 5.3066% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 5,898 |
| Loan loss allowance to noncurrent loans | 1,540.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 3,584 |
| Noncurrent loans to loans | 0.0542% | 5,879 |
| Net loans and leases to total assets | 61.6155% | 3,467 |
| Net loans and leases to deposits | 72.9126% | 3,457 |
| Net loans and leases to core deposits | 83.9095% | 2,747 |
| Total domestic deposits to total assets | 84.5059% | 3,718 |
| Equity capital to assets | 10.7682% | 3,125 |
| Core capital (leverage) ratio | 11.4822% | 2,015 |
| Tier 1 risk-based capital ratio | 20.5302% | 1,561 |
| Total risk-based capital ratio | 21.5202% | 1,593 |
| Memoranda: | ||
| Average total assets | $70,682,000 | 5,368 |
| Average earning assets | $63,069,330 | 5,420 |
| Average equity | $7,918,670 | 5,291 |
| Average total loans | $46,780,000 | 5,010 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 4,592 |
| Cost of funding earning assets | 0.3199% | 4,858 |
| Net interest margin | 3.4541% | 3,883 |
| Noninterest income to average assets | 0.3484% | 4,587 |
| Noninterest expense to average assets | 2.8979% | 3,224 |
| Loan and lease loss provision to assets | 0.0116% | 3,680 |
| Net operating income to assets | 0.4065% | 5,088 |
| Return on assets (ROA) | 0.4065% | 5,153 |
| Pretax return on assets | 0.5111% | 5,136 |
| Return on Equity (ROE) | 3.5542% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.5542% | 4,001 |
| Net charge-offs to loans | 0.0255% | 3,059 |
| Credit loss provision to net charge-offs | 66.6667% | 2,033 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,055 |
| Efficiency ratio | 84.7199% | 1,590 |
| Assets per employee ($millions) | 5.3842% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,003 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 3,664 |
| Noncurrent loans to loans | 0.2126% | 5,454 |
| Net loans and leases to total assets | 66.6329% | 2,455 |
| Net loans and leases to deposits | 78.1184% | 2,538 |
| Net loans and leases to core deposits | 85.6091% | 2,357 |
| Total domestic deposits to total assets | 85.2973% | 3,724 |
| Equity capital to assets | 11.3153% | 2,405 |
| Core capital (leverage) ratio | 11.7974% | 1,763 |
| Tier 1 risk-based capital ratio | 20.6575% | 1,545 |
| Total risk-based capital ratio | 21.7038% | 1,569 |
| Memoranda: | ||
| Average total assets | $68,876,500 | 5,479 |
| Average earning assets | $61,260,000 | 5,533 |
| Average equity | $7,878,000 | 5,332 |
| Average total loans | $47,089,500 | 5,039 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 4,112 |
| Cost of funding earning assets | 0.3424% | 5,217 |
| Net interest margin | 3.6495% | 3,243 |
| Noninterest income to average assets | 0.6740% | 2,679 |
| Noninterest expense to average assets | 2.9610% | 3,160 |
| Loan and lease loss provision to assets | 0.0091% | 4,938 |
| Net operating income to assets | 0.6649% | 3,960 |
| Return on assets (ROA) | 0.6649% | 4,059 |
| Pretax return on assets | 0.8845% | 3,827 |
| Return on Equity (ROE) | 5.6652% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.6652% | 2,176 |
| Net charge-offs to loans | 0.0267% | 4,884 |
| Credit loss provision to net charge-offs | 50.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | 49.1667% | 805 |
| Efficiency ratio | 76.8173% | 2,652 |
| Assets per employee ($millions) | 5.2122% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 6,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 4,043 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 68.9783% | 2,178 |
| Net loans and leases to deposits | 81.2400% | 2,291 |
| Net loans and leases to core deposits | 89.3449% | 2,101 |
| Total domestic deposits to total assets | 84.9068% | 3,792 |
| Equity capital to assets | 11.5645% | 2,120 |
| Core capital (leverage) ratio | 11.9256% | 1,660 |
| Tier 1 risk-based capital ratio | 20.5008% | 1,540 |
| Total risk-based capital ratio | 21.5501% | 1,555 |
| Memoranda: | ||
| Average total assets | $66,026,000 | 5,595 |
| Average earning assets | $57,541,800 | 5,665 |
| Average equity | $7,749,000 | 5,402 |
| Average total loans | $44,896,400 | 5,153 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 4,015 |
| Cost of funding earning assets | 0.3516% | 5,278 |
| Net interest margin | 3.6774% | 3,123 |
| Noninterest income to average assets | 0.7257% | 2,485 |
| Noninterest expense to average assets | 2.6730% | 4,121 |
| Loan and lease loss provision to assets | 0.0102% | 4,787 |
| Net operating income to assets | 0.9879% | 2,429 |
| Return on assets (ROA) | 0.9879% | 2,527 |
| Pretax return on assets | 1.2318% | 2,575 |
| Return on Equity (ROE) | 8.3856% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.3856% | 1,253 |
| Net charge-offs to loans | 0.0271% | 4,586 |
| Credit loss provision to net charge-offs | 55.5556% | 3,386 |
| Earnings coverage of net charge-offs (x) | 67.8875% | 677 |
| Efficiency ratio | 68.2762% | 4,046 |
| Assets per employee ($millions) | 5.0274% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 6,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 4,459 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 70.4572% | 1,880 |
| Net loans and leases to deposits | 84.0798% | 1,869 |
| Net loans and leases to core deposits | 92.9230% | 1,684 |
| Total domestic deposits to total assets | 83.7980% | 4,283 |
| Equity capital to assets | 12.1305% | 1,840 |
| Core capital (leverage) ratio | 12.8346% | 1,267 |
| Tier 1 risk-based capital ratio | 20.9937% | 1,494 |
| Total risk-based capital ratio | 22.0638% | 1,503 |
| Memoranda: | ||
| Average total assets | $65,592,750 | 5,664 |
| Average earning assets | $56,887,250 | 5,742 |
| Average equity | $7,727,250 | 5,463 |
| Average total loans | $44,335,500 | 5,227 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,935 |
| Cost of funding earning assets | 0.3601% | 5,314 |
| Net interest margin | 3.6859% | 3,007 |
| Noninterest income to average assets | 0.7675% | 2,340 |
| Noninterest expense to average assets | 2.4211% | 4,994 |
| Loan and lease loss provision to assets | 0.0091% | 4,681 |
| Net operating income to assets | 1.1969% | 1,602 |
| Return on assets (ROA) | 1.1969% | 1,709 |
| Pretax return on assets | 1.5166% | 1,571 |
| Return on Equity (ROE) | 10.2607% | 2,101 |
| Retained earnings to average equity (ytd only) | 10.2607% | 792 |
| Net charge-offs to loans | 0.0229% | 4,380 |
| Credit loss provision to net charge-offs | 60.0000% | 3,017 |
| Earnings coverage of net charge-offs (x) | 100.2000% | 462 |
| Efficiency ratio | 61.3426% | 5,276 |
| Assets per employee ($millions) | 4.6081% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 6,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 4,552 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 69.1664% | 2,038 |
| Net loans and leases to deposits | 79.8147% | 2,346 |
| Net loans and leases to core deposits | 88.0084% | 2,109 |
| Total domestic deposits to total assets | 86.6587% | 3,022 |
| Equity capital to assets | 12.1276% | 1,829 |
| Core capital (leverage) ratio | 12.2346% | 1,488 |
| Tier 1 risk-based capital ratio | 21.3223% | 1,417 |
| Total risk-based capital ratio | 22.4275% | 1,421 |
| Memoranda: | ||
| Average total assets | $65,671,670 | 5,701 |
| Average earning assets | $56,647,670 | 5,784 |
| Average equity | $7,660,330 | 5,524 |
| Average total loans | $43,630,330 | 5,280 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 3,827 |
| Cost of funding earning assets | 0.3728% | 5,342 |
| Net interest margin | 3.7003% | 2,849 |
| Noninterest income to average assets | 0.5917% | 3,186 |
| Noninterest expense to average assets | 2.7411% | 3,914 |
| Loan and lease loss provision to assets | 0.0121% | 4,301 |
| Net operating income to assets | 0.7487% | 3,442 |
| Return on assets (ROA) | 0.7487% | 3,576 |
| Pretax return on assets | 1.0143% | 3,285 |
| Return on Equity (ROE) | 6.5448% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.5448% | 2,392 |
| Net charge-offs to loans | 0.0093% | 3,966 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 236 |
| Efficiency ratio | 72.7564% | 3,475 |
| Assets per employee ($millions) | 4.7129% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 6,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 5,434 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 65.4032% | 2,477 |
| Net loans and leases to deposits | 74.7342% | 2,810 |
| Net loans and leases to core deposits | 82.9993% | 2,457 |
| Total domestic deposits to total assets | 87.5144% | 2,624 |
| Equity capital to assets | 11.5702% | 2,356 |
| Core capital (leverage) ratio | 11.7401% | 1,714 |
| Tier 1 risk-based capital ratio | 21.5680% | 1,411 |
| Total risk-based capital ratio | 22.7286% | 1,404 |
| Memoranda: | ||
| Average total assets | $66,250,500 | 5,732 |
| Average earning assets | $56,860,000 | 5,830 |
| Average equity | $7,578,500 | 5,611 |
| Average total loans | $42,932,000 | 5,344 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 4,017 |
| Cost of funding earning assets | 0.6753% | 3,686 |
| Net interest margin | 3.6784% | 3,747 |
| Noninterest income to average assets | 1.1014% | 1,278 |
| Noninterest expense to average assets | 3.4922% | 1,828 |
| Loan and lease loss provision to assets | 0.1209% | 4,103 |
| Net operating income to assets | 0.5761% | 4,355 |
| Return on assets (ROA) | 0.5761% | 4,613 |
| Pretax return on assets | 0.5776% | 5,062 |
| Return on Equity (ROE) | 5.2810% | 4,548 |
| Retained earnings to average equity (ytd only) | 5.2810% | 2,517 |
| Net charge-offs to loans | 0.0217% | 5,598 |
| Credit loss provision to net charge-offs | 900.0000% | 282 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 663 |
| Efficiency ratio | 83.3333% | 1,706 |
| Assets per employee ($millions) | 4.7515% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 6,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 5,535 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.9816% | 3,060 |
| Net loans and leases to deposits | 72.1934% | 3,382 |
| Net loans and leases to core deposits | 79.8673% | 3,028 |
| Total domestic deposits to total assets | 87.2401% | 2,679 |
| Equity capital to assets | 11.3092% | 2,624 |
| Core capital (leverage) ratio | 11.5068% | 1,868 |
| Tier 1 risk-based capital ratio | 20.8266% | 1,495 |
| Total risk-based capital ratio | 21.9631% | 1,494 |
| Memoranda: | ||
| Average total assets | $67,005,800 | 5,711 |
| Average earning assets | $56,274,400 | 5,858 |
| Average equity | $7,309,200 | 5,685 |
| Average total loans | $41,464,600 | 5,442 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 4,060 |
| Cost of funding earning assets | 0.7014% | 3,759 |
| Net interest margin | 3.6960% | 3,812 |
| Noninterest income to average assets | 0.5065% | 3,883 |
| Noninterest expense to average assets | 2.8781% | 3,677 |
| Loan and lease loss provision to assets | 0.0099% | 5,682 |
| Net operating income to assets | 0.5601% | 4,570 |
| Return on assets (ROA) | 0.5601% | 4,833 |
| Pretax return on assets | 0.7270% | 4,762 |
| Return on Equity (ROE) | 5.1820% | 4,733 |
| Retained earnings to average equity (ytd only) | 5.1820% | 3,236 |
| Net charge-offs to loans | 0.0259% | 5,308 |
| Credit loss provision to net charge-offs | 62.5000% | 4,084 |
| Earnings coverage of net charge-offs (x) | 46.3590% | 791 |
| Efficiency ratio | 79.6154% | 2,153 |
| Assets per employee ($millions) | 4.7259% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 6,605 |
| Loan loss allowance to noncurrent loans | 790.4762% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 5,541 |
| Noncurrent loans to loans | 0.1009% | 6,360 |
| Net loans and leases to total assets | 62.3853% | 3,317 |
| Net loans and leases to deposits | 70.9441% | 3,764 |
| Net loans and leases to core deposits | 78.6045% | 3,373 |
| Total domestic deposits to total assets | 87.9359% | 2,081 |
| Equity capital to assets | 11.2480% | 2,985 |
| Core capital (leverage) ratio | 11.2564% | 2,171 |
| Tier 1 risk-based capital ratio | 21.0553% | 1,514 |
| Total risk-based capital ratio | 22.0059% | 1,551 |
| Memoranda: | ||
| Average total assets | $67,127,000 | 5,771 |
| Average earning assets | $56,456,000 | 5,919 |
| Average equity | $7,255,750 | 5,756 |
| Average total loans | $41,255,000 | 5,510 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 4,143 |
| Cost of funding earning assets | 0.7344% | 3,732 |
| Net interest margin | 3.6756% | 3,942 |
| Noninterest income to average assets | 0.4863% | 4,016 |
| Noninterest expense to average assets | 2.9504% | 3,440 |
| Loan and lease loss provision to assets | 0.0089% | 5,544 |
| Net operating income to assets | 0.4626% | 4,989 |
| Return on assets (ROA) | 0.4626% | 5,231 |
| Pretax return on assets | 0.6286% | 5,035 |
| Return on Equity (ROE) | 4.3371% | 5,118 |
| Retained earnings to average equity (ytd only) | 4.3371% | 3,727 |
| Net charge-offs to loans | 0.0243% | 5,048 |
| Credit loss provision to net charge-offs | 60.0000% | 3,797 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 829 |
| Efficiency ratio | 82.2314% | 1,850 |
| Assets per employee ($millions) | 4.7864% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 6,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 6,601 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 60.8515% | 3,652 |
| Net loans and leases to deposits | 69.0756% | 4,029 |
| Net loans and leases to core deposits | 77.3577% | 3,605 |
| Total domestic deposits to total assets | 88.0941% | 2,081 |
| Equity capital to assets | 10.8791% | 3,257 |
| Core capital (leverage) ratio | 10.9834% | 2,312 |
| Tier 1 risk-based capital ratio | 20.9205% | 1,495 |
| Total risk-based capital ratio | 21.8845% | 1,527 |
| Memoranda: | ||
| Average total assets | $67,448,330 | 5,797 |
| Average earning assets | $56,916,000 | 5,948 |
| Average equity | $7,193,670 | 5,788 |
| Average total loans | $41,137,330 | 5,544 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 4,476 |
| Cost of funding earning assets | 0.7724% | 3,684 |
| Net interest margin | 3.5883% | 4,311 |
| Noninterest income to average assets | 0.4670% | 4,170 |
| Noninterest expense to average assets | 3.0147% | 3,191 |
| Loan and lease loss provision to assets | 0.0118% | 5,157 |
| Net operating income to assets | 0.3327% | 5,544 |
| Return on assets (ROA) | 0.3369% | 5,703 |
| Pretax return on assets | 0.4670% | 5,532 |
| Return on Equity (ROE) | 3.1908% | 5,633 |
| Retained earnings to average equity (ytd only) | 3.1908% | 4,652 |
| Net charge-offs to loans | 0.0389% | 4,150 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,201 |
| Efficiency ratio | 86.4407% | 1,437 |
| Assets per employee ($millions) | 4.7820% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 6,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 6,680 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 60.4230% | 3,572 |
| Net loans and leases to deposits | 68.9425% | 3,886 |
| Net loans and leases to core deposits | 77.5968% | 3,385 |
| Total domestic deposits to total assets | 87.6426% | 2,561 |
| Equity capital to assets | 10.7053% | 3,263 |
| Core capital (leverage) ratio | 10.7442% | 2,502 |
| Tier 1 risk-based capital ratio | 20.4698% | 1,597 |
| Total risk-based capital ratio | 21.4259% | 1,639 |
| Memoranda: | ||
| Average total assets | $67,668,000 | 5,839 |
| Average earning assets | $56,963,500 | 5,977 |
| Average equity | $7,145,500 | 5,825 |
| Average total loans | $41,151,500 | 5,591 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 4,288 |
| Cost of funding earning assets | 1.0604% | 2,954 |
| Net interest margin | 3.6294% | 4,612 |
| Noninterest income to average assets | 0.6057% | 3,131 |
| Noninterest expense to average assets | 3.2542% | 2,670 |
| Loan and lease loss provision to assets | 0.1305% | 4,990 |
| Net operating income to assets | 0.3109% | 5,208 |
| Return on assets (ROA) | 0.1921% | 5,740 |
| Pretax return on assets | 0.1540% | 5,882 |
| Return on Equity (ROE) | 1.8614% | 5,716 |
| Retained earnings to average equity (ytd only) | 1.8614% | 4,889 |
| Net charge-offs to loans | -0.0070% | 6,859 |
| Credit loss provision to net charge-offs | -2,966.6667% | 6,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9735% | 1,276 |
| Assets per employee ($millions) | 4.8849% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 6,721 |
| Loan loss allowance to noncurrent loans | 858.9744% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 6,397 |
| Noncurrent loans to loans | 0.0939% | 6,578 |
| Net loans and leases to total assets | 60.2196% | 3,949 |
| Net loans and leases to deposits | 68.5116% | 4,365 |
| Net loans and leases to core deposits | 77.0568% | 3,820 |
| Total domestic deposits to total assets | 87.8970% | 2,226 |
| Equity capital to assets | 10.4170% | 3,629 |
| Core capital (leverage) ratio | 10.4290% | 2,811 |
| Tier 1 risk-based capital ratio | 20.1493% | 1,606 |
| Total risk-based capital ratio | 21.1038% | 1,641 |
| Memoranda: | ||
| Average total assets | $68,189,200 | 5,804 |
| Average earning assets | $57,337,800 | 5,948 |
| Average equity | $7,037,800 | 5,856 |
| Average total loans | $42,684,600 | 5,575 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 4,206 |
| Cost of funding earning assets | 1.1103% | 2,909 |
| Net interest margin | 3.6452% | 4,590 |
| Noninterest income to average assets | 0.5048% | 3,835 |
| Noninterest expense to average assets | 3.1738% | 2,910 |
| Loan and lease loss provision to assets | 0.0235% | 6,154 |
| Net operating income to assets | 0.3170% | 5,334 |
| Return on assets (ROA) | 0.3170% | 5,508 |
| Pretax return on assets | 0.3718% | 5,553 |
| Return on Equity (ROE) | 3.0784% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.0784% | 4,496 |
| Net charge-offs to loans | -0.0093% | 6,773 |
| Credit loss provision to net charge-offs | -400.0000% | 6,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9254% | 1,255 |
| Assets per employee ($millions) | 4.9089% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 7,060 |
| Loan loss allowance to noncurrent loans | 560.8696% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 6,537 |
| Noncurrent loans to loans | 0.1102% | 6,654 |
| Net loans and leases to total assets | 60.3696% | 4,066 |
| Net loans and leases to deposits | 68.1309% | 4,583 |
| Net loans and leases to core deposits | 76.4774% | 4,140 |
| Total domestic deposits to total assets | 88.6082% | 1,691 |
| Equity capital to assets | 10.3499% | 3,896 |
| Core capital (leverage) ratio | 10.4990% | 2,871 |
| Tier 1 risk-based capital ratio | 20.2897% | 1,621 |
| Total risk-based capital ratio | 21.0313% | 1,712 |
| Memoranda: | ||
| Average total assets | $68,139,500 | 5,836 |
| Average earning assets | $57,279,000 | 5,998 |
| Average equity | $7,016,250 | 5,896 |
| Average total loans | $42,976,250 | 5,606 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8288% | 3,962 |
| Cost of funding earning assets | 1.1659% | 2,799 |
| Net interest margin | 3.6629% | 4,452 |
| Noninterest income to average assets | 0.5681% | 3,347 |
| Noninterest expense to average assets | 3.3439% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2738% | 5,468 |
| Return on assets (ROA) | 0.2738% | 5,595 |
| Pretax return on assets | 0.2944% | 5,682 |
| Return on Equity (ROE) | 2.6632% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.6632% | 4,595 |
| Net charge-offs to loans | -0.0323% | 6,939 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9094% | 1,100 |
| Assets per employee ($millions) | 4.1968% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 7,154 |
| Loan loss allowance to noncurrent loans | 362.3188% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 6,722 |
| Noncurrent loans to loans | 0.1616% | 6,577 |
| Net loans and leases to total assets | 63.2117% | 3,639 |
| Net loans and leases to deposits | 70.8662% | 4,313 |
| Net loans and leases to core deposits | 78.5426% | 3,988 |
| Total domestic deposits to total assets | 89.1986% | 1,418 |
| Equity capital to assets | 10.5110% | 3,490 |
| Core capital (leverage) ratio | 10.4816% | 2,729 |
| Tier 1 risk-based capital ratio | 18.0545% | 2,158 |
| Total risk-based capital ratio | 18.5984% | 2,371 |
| Memoranda: | ||
| Average total assets | $67,944,330 | 5,888 |
| Average earning assets | $56,950,000 | 6,059 |
| Average equity | $6,984,000 | 5,930 |
| Average total loans | $43,386,000 | 5,640 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 3,769 |
| Cost of funding earning assets | 1.2222% | 2,671 |
| Net interest margin | 3.6386% | 4,376 |
| Noninterest income to average assets | 0.4273% | 4,479 |
| Noninterest expense to average assets | 3.4123% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0644% | 6,196 |
| Return on assets (ROA) | 0.0644% | 6,241 |
| Pretax return on assets | 0.0644% | 6,249 |
| Return on Equity (ROE) | 0.6334% | 6,240 |
| Retained earnings to average equity (ytd only) | 0.6334% | 5,579 |
| Net charge-offs to loans | -0.0640% | 6,967 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1481% | 826 |
| Assets per employee ($millions) | 4.2505% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5717% | 7,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 7,056 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 63.6822% | 3,503 |
| Net loans and leases to deposits | 71.1313% | 4,180 |
| Net loans and leases to core deposits | 82.7645% | 3,344 |
| Total domestic deposits to total assets | 89.5277% | 1,467 |
| Equity capital to assets | 10.2356% | 3,494 |
| Core capital (leverage) ratio | 10.2263% | 2,904 |
| Tier 1 risk-based capital ratio | 16.9597% | 2,494 |
| Total risk-based capital ratio | 17.4938% | 2,756 |
| Memoranda: | ||
| Average total assets | $68,342,000 | 5,922 |
| Average earning assets | $57,275,500 | 6,093 |
| Average equity | $6,947,000 | 5,945 |
| Average total loans | $43,731,000 | 5,670 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 4,703 |
| Cost of funding earning assets | 1.4971% | 2,660 |
| Net interest margin | 3.4709% | 5,357 |
| Noninterest income to average assets | 0.6834% | 2,951 |
| Noninterest expense to average assets | 3.1910% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3093% | 4,906 |
| Return on assets (ROA) | 0.3093% | 5,076 |
| Pretax return on assets | 0.4043% | 4,930 |
| Return on Equity (ROE) | 2.9859% | 4,962 |
| Retained earnings to average equity (ytd only) | 2.9859% | 3,756 |
| Net charge-offs to loans | 0.1153% | 5,723 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 5.3019% | 2,664 |
| Efficiency ratio | 88.7555% | 1,416 |
| Assets per employee ($millions) | 4.0398% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5512% | 7,317 |
| Loan loss allowance to noncurrent loans | 834.4828% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 7,133 |
| Noncurrent loans to loans | 0.0661% | 6,959 |
| Net loans and leases to total assets | 63.5768% | 3,958 |
| Net loans and leases to deposits | 70.9098% | 4,701 |
| Net loans and leases to core deposits | 82.7496% | 3,786 |
| Total domestic deposits to total assets | 89.6587% | 1,291 |
| Equity capital to assets | 10.0952% | 3,621 |
| Core capital (leverage) ratio | 10.1083% | 2,966 |
| Tier 1 risk-based capital ratio | 17.7757% | 2,073 |
| Total risk-based capital ratio | 18.3722% | 2,274 |
| Memoranda: | ||
| Average total assets | $69,507,000 | 5,904 |
| Average earning assets | $58,313,600 | 6,052 |
| Average equity | $7,200,600 | 5,965 |
| Average total loans | $45,965,800 | 5,648 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 4,722 |
| Cost of funding earning assets | 1.5526% | 2,650 |
| Net interest margin | 3.4660% | 5,428 |
| Noninterest income to average assets | 0.6426% | 3,172 |
| Noninterest expense to average assets | 3.1556% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3136% | 5,113 |
| Return on assets (ROA) | 0.3136% | 5,286 |
| Pretax return on assets | 0.3901% | 5,249 |
| Return on Equity (ROE) | 3.0087% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.0087% | 4,331 |
| Net charge-offs to loans | 0.1147% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 5.1001% | 2,851 |
| Efficiency ratio | 88.9968% | 1,369 |
| Assets per employee ($millions) | 4.0684% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5663% | 7,390 |
| Loan loss allowance to noncurrent loans | 2,550.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 7,331 |
| Noncurrent loans to loans | 0.0222% | 7,204 |
| Net loans and leases to total assets | 64.7350% | 3,967 |
| Net loans and leases to deposits | 72.2630% | 4,799 |
| Net loans and leases to core deposits | 84.9145% | 3,815 |
| Total domestic deposits to total assets | 89.5824% | 1,076 |
| Equity capital to assets | 10.0503% | 4,094 |
| Core capital (leverage) ratio | 10.0347% | 3,217 |
| Tier 1 risk-based capital ratio | 17.1736% | 2,284 |
| Total risk-based capital ratio | 17.7899% | 2,501 |
| Memoranda: | ||
| Average total assets | $69,714,750 | 5,950 |
| Average earning assets | $58,395,000 | 6,114 |
| Average equity | $7,267,500 | 6,021 |
| Average total loans | $46,481,250 | 5,706 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 4,895 |
| Cost of funding earning assets | 1.6043% | 2,629 |
| Net interest margin | 3.4066% | 5,618 |
| Noninterest income to average assets | 0.5923% | 3,395 |
| Noninterest expense to average assets | 3.1159% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2718% | 5,291 |
| Return on assets (ROA) | 0.2718% | 5,439 |
| Pretax return on assets | 0.3319% | 5,417 |
| Return on Equity (ROE) | 2.5770% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.5770% | 4,507 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3734% | 1,307 |
| Assets per employee ($millions) | 3.8751% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 7,356 |
| Loan loss allowance to noncurrent loans | 298.9899% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.9319% | 5,264 |
| Noncurrent loans to loans | 0.2143% | 6,821 |
| Net loans and leases to total assets | 65.8198% | 3,869 |
| Net loans and leases to deposits | 74.0603% | 4,668 |
| Net loans and leases to core deposits | 86.9804% | 3,701 |
| Total domestic deposits to total assets | 88.8733% | 1,507 |
| Equity capital to assets | 10.6780% | 3,194 |
| Core capital (leverage) ratio | 10.6536% | 2,494 |
| Tier 1 risk-based capital ratio | 18.1501% | 1,918 |
| Total risk-based capital ratio | 18.8537% | 2,042 |
| Memoranda: | ||
| Average total assets | $69,899,000 | 5,983 |
| Average earning assets | $58,592,000 | 6,155 |
| Average equity | $7,373,000 | 6,008 |
| Average total loans | $46,966,000 | 5,720 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 5,001 |
| Cost of funding earning assets | 1.6638% | 2,577 |
| Net interest margin | 3.3412% | 5,811 |
| Noninterest income to average assets | 0.5602% | 3,560 |
| Noninterest expense to average assets | 3.1441% | 3,089 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2172% | 5,629 |
| Return on assets (ROA) | 0.2172% | 5,746 |
| Pretax return on assets | 0.2172% | 5,828 |
| Return on Equity (ROE) | 2.0721% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.0721% | 4,888 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5374% | 1,166 |
| Assets per employee ($millions) | 3.8878% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6273% | 7,464 |
| Loan loss allowance to noncurrent loans | 295.0000% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.9288% | 5,291 |
| Noncurrent loans to loans | 0.2126% | 6,911 |
| Net loans and leases to total assets | 66.7834% | 3,680 |
| Net loans and leases to deposits | 74.8179% | 4,617 |
| Net loans and leases to core deposits | 86.6410% | 3,805 |
| Total domestic deposits to total assets | 89.2612% | 1,391 |
| Equity capital to assets | 10.5073% | 3,239 |
| Core capital (leverage) ratio | 10.5316% | 2,592 |
| Tier 1 risk-based capital ratio | 17.7063% | 2,019 |
| Total risk-based capital ratio | 18.3740% | 2,182 |
| Memoranda: | ||
| Average total assets | $69,973,000 | 6,045 |
| Average earning assets | $58,662,000 | 6,218 |
| Average equity | $7,335,500 | 6,076 |
| Average total loans | $47,346,000 | 5,786 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 5,665 |
| Cost of funding earning assets | 2.1225% | 2,354 |
| Net interest margin | 3.0743% | 6,455 |
| Noninterest income to average assets | 0.5001% | 4,412 |
| Noninterest expense to average assets | 3.0049% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1480% | 5,053 |
| Return on assets (ROA) | 0.1480% | 5,122 |
| Pretax return on assets | 0.1761% | 5,058 |
| Return on Equity (ROE) | 1.3790% | 5,123 |
| Retained earnings to average equity (ytd only) | 1.3790% | 4,093 |
| Net charge-offs to loans | 0.0083% | 7,117 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 29.7500% | 774 |
| Efficiency ratio | 94.4651% | 1,383 |
| Assets per employee ($millions) | 3.8870% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6189% | 7,532 |
| Loan loss allowance to noncurrent loans | 162.0879% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0462% | 5,003 |
| Noncurrent loans to loans | 0.3819% | 6,514 |
| Net loans and leases to total assets | 67.7000% | 3,768 |
| Net loans and leases to deposits | 75.8527% | 4,767 |
| Net loans and leases to core deposits | 115.6506% | 2,357 |
| Total domestic deposits to total assets | 89.2519% | 1,357 |
| Equity capital to assets | 10.4594% | 3,229 |
| Core capital (leverage) ratio | 10.4798% | 2,632 |
| Tier 1 risk-based capital ratio | 17.6804% | 1,978 |
| Total risk-based capital ratio | 18.3506% | 2,087 |
| Memoranda: | ||
| Average total assets | $67,590,400 | 6,093 |
| Average earning assets | $58,940,000 | 6,168 |
| Average equity | $7,251,400 | 6,189 |
| Average total loans | $48,074,000 | 5,756 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2226% | 5,789 |
| Cost of funding earning assets | 2.1931% | 2,438 |
| Net interest margin | 3.0296% | 6,520 |
| Noninterest income to average assets | 0.4617% | 4,808 |
| Noninterest expense to average assets | 3.1304% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0199% | 5,743 |
| Return on assets (ROA) | -0.0199% | 5,805 |
| Pretax return on assets | -0.0020% | 5,710 |
| Return on Equity (ROE) | -0.1842% | 5,808 |
| Retained earnings to average equity (ytd only) | -0.1842% | 5,257 |
| Net charge-offs to loans | 0.0111% | 6,784 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -0.2495% | 6,323 |
| Efficiency ratio | 100.0636% | 1,061 |
| Assets per employee ($millions) | 3.8396% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5411% | 7,656 |
| Loan loss allowance to noncurrent loans | 255.4455% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 5,303 |
| Noncurrent loans to loans | 0.2118% | 6,967 |
| Net loans and leases to total assets | 68.6137% | 3,820 |
| Net loans and leases to deposits | 76.9984% | 4,898 |
| Net loans and leases to core deposits | 117.8689% | 2,430 |
| Total domestic deposits to total assets | 89.1106% | 1,148 |
| Equity capital to assets | 10.4524% | 3,568 |
| Core capital (leverage) ratio | 10.4524% | 2,830 |
| Tier 1 risk-based capital ratio | 17.7795% | 2,054 |
| Total risk-based capital ratio | 18.3431% | 2,199 |
| Memoranda: | ||
| Average total assets | $66,996,500 | 6,154 |
| Average earning assets | $58,972,500 | 6,218 |
| Average equity | $7,234,750 | 6,248 |
| Average total loans | $48,177,000 | 5,794 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3115% | 5,600 |
| Cost of funding earning assets | 2.2871% | 2,404 |
| Net interest margin | 3.0244% | 6,475 |
| Noninterest income to average assets | 0.4646% | 4,747 |
| Noninterest expense to average assets | 3.1075% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0091% | 5,863 |
| Return on assets (ROA) | -0.0091% | 5,937 |
| Pretax return on assets | 0.0181% | 5,827 |
| Return on Equity (ROE) | -0.0829% | 5,943 |
| Retained earnings to average equity (ytd only) | -0.0829% | 5,240 |
| Net charge-offs to loans | 0.0248% | 6,138 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,784 |
| Efficiency ratio | 99.4208% | 1,202 |
| Assets per employee ($millions) | 3.7358% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 7,368 |
| Loan loss allowance to noncurrent loans | 8,725.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 5,175 |
| Noncurrent loans to loans | 0.0083% | 7,544 |
| Net loans and leases to total assets | 71.1547% | 3,433 |
| Net loans and leases to deposits | 80.1367% | 4,524 |
| Net loans and leases to core deposits | 122.4830% | 2,157 |
| Total domestic deposits to total assets | 88.7917% | 1,377 |
| Equity capital to assets | 10.7235% | 3,181 |
| Core capital (leverage) ratio | 10.7500% | 2,606 |
| Tier 1 risk-based capital ratio | 17.3764% | 2,184 |
| Total risk-based capital ratio | 18.2150% | 2,265 |
| Memoranda: | ||
| Average total assets | $66,291,000 | 6,216 |
| Average earning assets | $58,326,330 | 6,300 |
| Average equity | $7,238,330 | 6,290 |
| Average total loans | $48,343,000 | 5,833 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 5,783 |
| Cost of funding earning assets | 2.3354% | 2,555 |
| Net interest margin | 2.9899% | 6,507 |
| Noninterest income to average assets | 0.4376% | 4,894 |
| Noninterest expense to average assets | 2.8869% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1337% | 5,875 |
| Return on assets (ROA) | 0.1337% | 6,044 |
| Pretax return on assets | 0.1884% | 5,971 |
| Return on Equity (ROE) | 1.2135% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.2135% | 5,155 |
| Net charge-offs to loans | 0.0083% | 5,547 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,029 |
| Efficiency ratio | 93.8735% | 1,441 |
| Assets per employee ($millions) | 3.9129% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7201% | 7,382 |
| Loan loss allowance to noncurrent loans | 8,850.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 4,823 |
| Noncurrent loans to loans | 0.0081% | 7,549 |
| Net loans and leases to total assets | 73.3689% | 2,920 |
| Net loans and leases to deposits | 82.7722% | 4,168 |
| Net loans and leases to core deposits | 128.8445% | 1,725 |
| Total domestic deposits to total assets | 88.6395% | 1,404 |
| Equity capital to assets | 10.9366% | 3,024 |
| Core capital (leverage) ratio | 10.9446% | 2,545 |
| Tier 1 risk-based capital ratio | 17.3597% | 2,226 |
| Total risk-based capital ratio | 18.1894% | 2,291 |
| Memoranda: | ||
| Average total assets | $65,814,000 | 6,258 |
| Average earning assets | $58,062,000 | 6,336 |
| Average equity | $7,252,000 | 6,316 |
| Average total loans | $48,416,000 | 5,860 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7608% | 6,557 |
| Cost of funding earning assets | 2.7906% | 2,742 |
| Net interest margin | 2.9702% | 6,986 |
| Noninterest income to average assets | 0.5630% | 4,129 |
| Noninterest expense to average assets | 2.5281% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5090% | 4,689 |
| Return on assets (ROA) | 0.5090% | 4,539 |
| Pretax return on assets | 0.6633% | 4,510 |
| Return on Equity (ROE) | 4.5973% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.5973% | 2,265 |
| Net charge-offs to loans | 0.0130% | 6,730 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 71.6667% | 565 |
| Efficiency ratio | 79.2170% | 2,720 |
| Assets per employee ($millions) | 3.8299% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 7,312 |
| Loan loss allowance to noncurrent loans | 328.7037% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 4,014 |
| Noncurrent loans to loans | 0.2265% | 6,708 |
| Net loans and leases to total assets | 72.6762% | 3,442 |
| Net loans and leases to deposits | 82.1850% | 4,697 |
| Net loans and leases to core deposits | 123.1053% | 2,388 |
| Total domestic deposits to total assets | 88.4300% | 1,279 |
| Equity capital to assets | 11.1031% | 2,959 |
| Core capital (leverage) ratio | 11.1454% | 2,469 |
| Tier 1 risk-based capital ratio | 17.9512% | 2,050 |
| Total risk-based capital ratio | 18.8141% | 2,100 |
| Memoranda: | ||
| Average total assets | $64,830,400 | 6,199 |
| Average earning assets | $57,370,200 | 6,286 |
| Average equity | $7,178,200 | 6,393 |
| Average total loans | $46,111,800 | 5,869 |