Home > Frontier Community Bank > Performance and Condition Ratios
Frontier Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 1,777 |
| Cost of funding earning assets | 2.3363% | 512 |
| Net interest margin | 2.8019% | 3,655 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.7555% | 1,615 |
| Loan and lease loss provision to assets | -0.2000% | 4,559 |
| Net operating income to assets | 0.3294% | 3,986 |
| Return on assets (ROA) | 0.3294% | 3,986 |
| Pretax return on assets | 0.3896% | 3,979 |
| Return on Equity (ROE) | 3.3100% | 3,974 |
| Retained earnings to average equity (ytd only) | 2.8343% | 3,333 |
| Net charge-offs to loans | -0.0054% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.5002% | 314 |
| Assets per employee ($millions) | 7.1098% | 2,003 |
| Cash dividends to net income (ytd only)* | 14.3418% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 4,053 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 84.2500% | 255 |
| Net loans and leases to deposits | 103.7680% | 372 |
| Net loans and leases to core deposits | 118.2944% | 680 |
| Total domestic deposits to total assets | 81.1900% | 3,274 |
| Equity capital to assets | 10.0579% | 1,973 |
| Core capital (leverage) ratio | 10.8405% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4693% | 1,698 |
| Memoranda: | ||
| Average total assets | $154,529,600 | 3,320 |
| Average earning assets | $144,114,200 | 3,304 |
| Average equity | $15,383,000 | 3,233 |
| Average total loans | $128,519,000 | 2,865 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0725% | 1,686 |
| Cost of funding earning assets | 2.2124% | 485 |
| Net interest margin | 2.8601% | 3,615 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.8006% | 1,434 |
| Loan and lease loss provision to assets | -0.1900% | 4,588 |
| Net operating income to assets | 0.3505% | 4,048 |
| Return on assets (ROA) | 0.3505% | 4,050 |
| Pretax return on assets | 0.4249% | 4,026 |
| Return on Equity (ROE) | 3.5300% | 4,042 |
| Retained earnings to average equity (ytd only) | 2.8940% | 3,535 |
| Net charge-offs to loans | -0.0073% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.1675% | 312 |
| Assets per employee ($millions) | 6.4331% | 2,372 |
| Cash dividends to net income (ytd only)* | 18.0247% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 3,910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 83.2200% | 347 |
| Net loans and leases to deposits | 99.9860% | 519 |
| Net loans and leases to core deposits | 114.1678% | 721 |
| Total domestic deposits to total assets | 83.2300% | 2,972 |
| Equity capital to assets | 9.9680% | 1,847 |
| Core capital (leverage) ratio | 10.5650% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5257% | 1,706 |
| Memoranda: | ||
| Average total assets | $154,058,250 | 3,334 |
| Average earning assets | $143,673,500 | 3,313 |
| Average equity | $15,295,750 | 3,225 |
| Average total loans | $127,456,250 | 2,881 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 1,750 |
| Cost of funding earning assets | 2.0642% | 431 |
| Net interest margin | 2.8415% | 3,750 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.7789% | 1,463 |
| Loan and lease loss provision to assets | -0.2600% | 4,622 |
| Net operating income to assets | 0.3768% | 4,040 |
| Return on assets (ROA) | 0.3768% | 4,055 |
| Pretax return on assets | 0.4443% | 4,054 |
| Return on Equity (ROE) | 3.8000% | 4,053 |
| Retained earnings to average equity (ytd only) | 2.8432% | 3,524 |
| Net charge-offs to loans | -0.0110% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.8158% | 265 |
| Assets per employee ($millions) | 6.9239% | 1,988 |
| Cash dividends to net income (ytd only)* | 25.1724% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 3,889 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.6900% | 669 |
| Net loans and leases to deposits | 95.0018% | 787 |
| Net loans and leases to core deposits | 106.7528% | 957 |
| Total domestic deposits to total assets | 83.8900% | 2,850 |
| Equity capital to assets | 9.6565% | 2,059 |
| Core capital (leverage) ratio | 10.5846% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6272% | 1,684 |
| Memoranda: | ||
| Average total assets | $153,946,333 | 3,349 |
| Average earning assets | $143,588,000 | 3,328 |
| Average equity | $15,264,333 | 3,247 |
| Average total loans | $126,754,000 | 2,884 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 1,533 |
| Cost of funding earning assets | 1.8720% | 390 |
| Net interest margin | 2.9641% | 3,670 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.8633% | 1,307 |
| Loan and lease loss provision to assets | -0.2100% | 4,629 |
| Net operating income to assets | 0.3649% | 4,146 |
| Return on assets (ROA) | 0.3649% | 4,098 |
| Pretax return on assets | 0.4257% | 4,095 |
| Return on Equity (ROE) | 3.6300% | 4,097 |
| Retained earnings to average equity (ytd only) | 1.7097% | 3,751 |
| Net charge-offs to loans | -0.0222% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.1212% | 281 |
| Assets per employee ($millions) | 6.3171% | 2,486 |
| Cash dividends to net income (ytd only)* | 52.8986% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 3,694 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 82.7100% | 311 |
| Net loans and leases to deposits | 101.2034% | 387 |
| Net loans and leases to core deposits | 114.8886% | 565 |
| Total domestic deposits to total assets | 81.7200% | 3,530 |
| Equity capital to assets | 10.1022% | 1,766 |
| Core capital (leverage) ratio | 10.7046% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6553% | 1,748 |
| Memoranda: | ||
| Average total assets | $151,294,500 | 3,412 |
| Average earning assets | $141,022,000 | 3,398 |
| Average equity | $15,207,500 | 3,286 |
| Average total loans | $126,128,000 | 2,917 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 1,653 |
| Cost of funding earning assets | 0.9029% | 252 |
| Net interest margin | 3.1213% | 3,110 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.7087% | 1,532 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.4042% | 4,238 |
| Return on assets (ROA) | 0.4042% | 4,202 |
| Pretax return on assets | 0.5885% | 4,046 |
| Return on Equity (ROE) | 3.8500% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.4526% | 3,576 |
| Net charge-offs to loans | -0.0160% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.3659% | 690 |
| Assets per employee ($millions) | 6.0357% | 2,735 |
| Cash dividends to net income (ytd only)* | 10.3390% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,205 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.4100% | 377 |
| Net loans and leases to deposits | 95.1709% | 702 |
| Net loans and leases to core deposits | 107.6162% | 687 |
| Total domestic deposits to total assets | 86.6000% | 2,536 |
| Equity capital to assets | 9.9495% | 1,730 |
| Core capital (leverage) ratio | 10.8225% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6739% | 1,741 |
| Memoranda: | ||
| Average total assets | $145,971,800 | 3,482 |
| Average earning assets | $138,882,400 | 3,430 |
| Average equity | $15,322,000 | 3,340 |
| Average total loans | $119,081,200 | 2,930 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 1,727 |
| Cost of funding earning assets | 0.7661% | 181 |
| Net interest margin | 3.0452% | 3,098 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.6502% | 1,592 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.4716% | 4,131 |
| Return on assets (ROA) | 0.4716% | 4,080 |
| Pretax return on assets | 0.6006% | 3,993 |
| Return on Equity (ROE) | 4.4300% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.9049% | 3,474 |
| Net charge-offs to loans | -0.0216% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.1254% | 830 |
| Assets per employee ($millions) | 5.7866% | 2,945 |
| Cash dividends to net income (ytd only)* | 11.9141% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 3,337 |
| Loan loss allowance to noncurrent loans | 2,087.0968% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 3,479 |
| Noncurrent loans to loans | 0.0494% | 3,521 |
| Net loans and leases to total assets | 85.7800% | 136 |
| Net loans and leases to deposits | 101.4478% | 320 |
| Net loans and leases to core deposits | 111.6186% | 422 |
| Total domestic deposits to total assets | 84.5600% | 3,375 |
| Equity capital to assets | 10.5486% | 1,350 |
| Core capital (leverage) ratio | 11.1987% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8819% | 1,746 |
| Memoranda: | ||
| Average total assets | $144,741,750 | 3,517 |
| Average earning assets | $138,358,000 | 3,459 |
| Average equity | $15,399,250 | 3,373 |
| Average total loans | $117,438,750 | 2,954 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6092% | 1,816 |
| Cost of funding earning assets | 0.7158% | 146 |
| Net interest margin | 2.8934% | 3,189 |
| Noninterest income to average assets | 0.4504% | 2,446 |
| Noninterest expense to average assets | 2.6373% | 1,532 |
| Loan and lease loss provision to assets | 0.1299% | 747 |
| Net operating income to assets | 0.3454% | 4,213 |
| Return on assets (ROA) | 0.3454% | 4,167 |
| Pretax return on assets | 0.4531% | 4,076 |
| Return on Equity (ROE) | 3.2372% | 4,181 |
| Retained earnings to average equity (ytd only) | 2.4473% | 3,633 |
| Net charge-offs to loans | -0.0331% | 4,082 |
| Credit loss provision to net charge-offs | -494.7368% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8962% | 808 |
| Assets per employee ($millions) | 5.6712% | 3,062 |
| Cash dividends to net income (ytd only)* | 24.4000% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,338 |
| Loan loss allowance to noncurrent loans | 595.8140% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,654 |
| Noncurrent loans to loans | 0.1775% | 2,811 |
| Net loans and leases to total assets | 84.5459% | 164 |
| Net loans and leases to deposits | 97.8587% | 349 |
| Net loans and leases to core deposits | 106.5237% | 433 |
| Total domestic deposits to total assets | 86.3959% | 3,144 |
| Equity capital to assets | 10.7469% | 1,340 |
| Core capital (leverage) ratio | 11.0432% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2351% | 1,643 |
| Memoranda: | ||
| Average total assets | $144,767,667 | 3,555 |
| Average earning assets | $138,590,000 | 3,505 |
| Average equity | $15,445,667 | 3,458 |
| Average total loans | $114,789,667 | 3,004 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 1,774 |
| Cost of funding earning assets | 0.7440% | 122 |
| Net interest margin | 2.7679% | 3,230 |
| Noninterest income to average assets | 0.5224% | 2,028 |
| Noninterest expense to average assets | 2.5653% | 1,707 |
| Loan and lease loss provision to assets | -0.0520% | 4,516 |
| Net operating income to assets | 0.5278% | 3,631 |
| Return on assets (ROA) | 0.5278% | 3,601 |
| Pretax return on assets | 0.6646% | 3,487 |
| Return on Equity (ROE) | 4.9646% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.9646% | 2,605 |
| Net charge-offs to loans | -0.0681% | 4,361 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7229% | 1,093 |
| Assets per employee ($millions) | 6.0759% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,479 |
| Loan loss allowance to noncurrent loans | 540.7407% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 2,760 |
| Noncurrent loans to loans | 0.1966% | 2,833 |
| Net loans and leases to total assets | 74.5249% | 619 |
| Net loans and leases to deposits | 86.1657% | 726 |
| Net loans and leases to core deposits | 94.0664% | 733 |
| Total domestic deposits to total assets | 86.4903% | 3,107 |
| Equity capital to assets | 10.6720% | 1,506 |
| Core capital (leverage) ratio | 10.1721% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6743% | 1,349 |
| Memoranda: | ||
| Average total assets | $146,261,000 | 3,553 |
| Average earning assets | $140,324,000 | 3,500 |
| Average equity | $15,550,000 | 3,513 |
| Average total loans | $111,609,000 | 3,038 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 1,347 |
| Cost of funding earning assets | 0.8828% | 130 |
| Net interest margin | 3.1241% | 2,828 |
| Noninterest income to average assets | 0.4404% | 2,855 |
| Noninterest expense to average assets | 2.4964% | 2,192 |
| Loan and lease loss provision to assets | 0.0469% | 2,121 |
| Net operating income to assets | 0.6968% | 3,638 |
| Return on assets (ROA) | 0.6968% | 3,691 |
| Pretax return on assets | 0.8850% | 3,542 |
| Return on Equity (ROE) | 6.6879% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.2844% | 2,235 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8187% | 1,423 |
| Assets per employee ($millions) | 6.3783% | 2,427 |
| Cash dividends to net income (ytd only)* | 6.0336% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 76.4882% | 485 |
| Net loans and leases to deposits | 88.3021% | 636 |
| Net loans and leases to core deposits | 96.3002% | 677 |
| Total domestic deposits to total assets | 86.6211% | 2,658 |
| Equity capital to assets | 10.5916% | 2,096 |
| Core capital (leverage) ratio | 10.4940% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8703% | 1,293 |
| Memoranda: | ||
| Average total assets | $145,087,000 | 3,532 |
| Average earning assets | $138,761,800 | 3,488 |
| Average equity | $15,116,800 | 3,622 |
| Average total loans | $117,776,000 | 2,965 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 1,405 |
| Cost of funding earning assets | 0.9142% | 134 |
| Net interest margin | 3.1439% | 2,921 |
| Noninterest income to average assets | 0.4497% | 2,842 |
| Noninterest expense to average assets | 2.4964% | 2,128 |
| Loan and lease loss provision to assets | 0.0532% | 1,918 |
| Net operating income to assets | 0.7087% | 3,746 |
| Return on assets (ROA) | 0.7087% | 3,814 |
| Pretax return on assets | 0.9040% | 3,684 |
| Return on Equity (ROE) | 6.8301% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.2884% | 2,703 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2785% | 1,379 |
| Assets per employee ($millions) | 6.1933% | 2,513 |
| Cash dividends to net income (ytd only)* | 7.9324% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 77.0277% | 473 |
| Net loans and leases to deposits | 88.6609% | 678 |
| Net loans and leases to core deposits | 96.5322% | 726 |
| Total domestic deposits to total assets | 86.8790% | 2,398 |
| Equity capital to assets | 10.3303% | 2,589 |
| Core capital (leverage) ratio | 10.6867% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3990% | 1,515 |
| Memoranda: | ||
| Average total assets | $144,683,500 | 3,572 |
| Average earning assets | $138,253,000 | 3,526 |
| Average equity | $15,011,500 | 3,680 |
| Average total loans | $118,875,750 | 3,001 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 1,374 |
| Cost of funding earning assets | 0.9585% | 132 |
| Net interest margin | 3.1282% | 2,959 |
| Noninterest income to average assets | 0.4366% | 2,924 |
| Noninterest expense to average assets | 2.5055% | 2,123 |
| Loan and lease loss provision to assets | 0.0670% | 1,708 |
| Net operating income to assets | 0.6668% | 3,838 |
| Return on assets (ROA) | 0.6668% | 3,902 |
| Pretax return on assets | 0.8510% | 3,764 |
| Return on Equity (ROE) | 6.4174% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.5984% | 2,960 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1866% | 1,321 |
| Assets per employee ($millions) | 6.4783% | 2,182 |
| Cash dividends to net income (ytd only)* | 12.7615% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 84.4236% | 122 |
| Net loans and leases to deposits | 97.5341% | 330 |
| Net loans and leases to core deposits | 105.5261% | 485 |
| Total domestic deposits to total assets | 86.5580% | 2,530 |
| Equity capital to assets | 10.5688% | 2,338 |
| Core capital (leverage) ratio | 10.6528% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7755% | 1,701 |
| Memoranda: | ||
| Average total assets | $143,364,667 | 3,596 |
| Average earning assets | $136,883,667 | 3,551 |
| Average equity | $14,897,000 | 3,692 |
| Average total loans | $119,950,333 | 3,006 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 1,211 |
| Cost of funding earning assets | 0.9935% | 136 |
| Net interest margin | 3.2021% | 2,689 |
| Noninterest income to average assets | 0.3895% | 3,152 |
| Noninterest expense to average assets | 2.3869% | 2,535 |
| Loan and lease loss provision to assets | 0.0807% | 1,603 |
| Net operating income to assets | 0.7706% | 3,512 |
| Return on assets (ROA) | 0.7706% | 3,579 |
| Pretax return on assets | 0.9792% | 3,431 |
| Return on Equity (ROE) | 7.4794% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.4794% | 2,420 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2494% | 1,786 |
| Assets per employee ($millions) | 6.2817% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 4,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 82.1220% | 220 |
| Net loans and leases to deposits | 95.5714% | 420 |
| Net loans and leases to core deposits | 103.6353% | 586 |
| Total domestic deposits to total assets | 85.9274% | 2,761 |
| Equity capital to assets | 10.3330% | 2,412 |
| Core capital (leverage) ratio | 10.3449% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0021% | 1,567 |
| Memoranda: | ||
| Average total assets | $143,785,500 | 3,597 |
| Average earning assets | $137,287,000 | 3,550 |
| Average equity | $14,814,000 | 3,706 |
| Average total loans | $119,190,000 | 3,022 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,516 |
| Cost of funding earning assets | 1.2603% | 212 |
| Net interest margin | 3.1611% | 3,462 |
| Noninterest income to average assets | 0.2092% | 4,226 |
| Noninterest expense to average assets | 2.3824% | 3,173 |
| Loan and lease loss provision to assets | 0.1274% | 2,768 |
| Net operating income to assets | 0.5579% | 3,882 |
| Return on assets (ROA) | 0.5579% | 3,978 |
| Pretax return on assets | 0.7123% | 3,855 |
| Return on Equity (ROE) | 5.4983% | 3,746 |
| Retained earnings to average equity (ytd only) | 5.4983% | 2,042 |
| Net charge-offs to loans | 0.1547% | 1,056 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 6.5922% | 2,766 |
| Efficiency ratio | 73.9399% | 1,454 |
| Assets per employee ($millions) | 6.2214% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 4,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 82.1164% | 286 |
| Net loans and leases to deposits | 96.1067% | 550 |
| Net loans and leases to core deposits | 104.3090% | 711 |
| Total domestic deposits to total assets | 85.4429% | 2,597 |
| Equity capital to assets | 10.2724% | 2,859 |
| Core capital (leverage) ratio | 9.8195% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8981% | 1,566 |
| Memoranda: | ||
| Average total assets | $140,530,200 | 3,504 |
| Average earning assets | $133,941,000 | 3,457 |
| Average equity | $14,259,000 | 3,722 |
| Average total loans | $115,742,200 | 3,025 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 1,999 |
| Cost of funding earning assets | 1.3151% | 230 |
| Net interest margin | 3.0223% | 3,923 |
| Noninterest income to average assets | 0.2154% | 4,195 |
| Noninterest expense to average assets | 2.3761% | 3,203 |
| Loan and lease loss provision to assets | 0.1365% | 2,649 |
| Net operating income to assets | 0.4565% | 4,157 |
| Return on assets (ROA) | 0.4565% | 4,222 |
| Pretax return on assets | 0.5833% | 4,129 |
| Return on Equity (ROE) | 4.5138% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.5138% | 2,792 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7549% | 1,138 |
| Assets per employee ($millions) | 6.3242% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 3,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,083 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.9204% | 441 |
| Net loans and leases to deposits | 94.0051% | 922 |
| Net loans and leases to core deposits | 102.3887% | 1,005 |
| Total domestic deposits to total assets | 87.1447% | 1,607 |
| Equity capital to assets | 9.8957% | 3,338 |
| Core capital (leverage) ratio | 10.0430% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4384% | 1,385 |
| Memoranda: | ||
| Average total assets | $139,889,750 | 3,500 |
| Average earning assets | $133,318,000 | 3,454 |
| Average equity | $14,149,000 | 3,741 |
| Average total loans | $115,027,250 | 3,043 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 2,148 |
| Cost of funding earning assets | 1.3739% | 249 |
| Net interest margin | 3.0490% | 4,014 |
| Noninterest income to average assets | 0.1434% | 4,588 |
| Noninterest expense to average assets | 2.3719% | 3,338 |
| Loan and lease loss provision to assets | 0.1391% | 2,621 |
| Net operating income to assets | 0.4187% | 4,193 |
| Return on assets (ROA) | 0.4187% | 4,254 |
| Pretax return on assets | 0.5361% | 4,185 |
| Return on Equity (ROE) | 4.1088% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.1088% | 2,856 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8412% | 1,070 |
| Assets per employee ($millions) | 6.2910% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 3,712 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.2031% | 317 |
| Net loans and leases to deposits | 99.1484% | 599 |
| Net loans and leases to core deposits | 108.0711% | 814 |
| Total domestic deposits to total assets | 83.9177% | 2,774 |
| Equity capital to assets | 9.8146% | 3,355 |
| Core capital (leverage) ratio | 10.3054% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1041% | 1,464 |
| Memoranda: | ||
| Average total assets | $138,034,000 | 3,502 |
| Average earning assets | $131,451,333 | 3,456 |
| Average equity | $14,067,333 | 3,755 |
| Average total loans | $113,235,667 | 3,054 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 2,393 |
| Cost of funding earning assets | 1.4722% | 297 |
| Net interest margin | 2.9973% | 4,285 |
| Noninterest income to average assets | 0.1693% | 4,519 |
| Noninterest expense to average assets | 2.3192% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5583% | 3,714 |
| Return on assets (ROA) | 0.5583% | 3,779 |
| Pretax return on assets | 0.7097% | 3,654 |
| Return on Equity (ROE) | 5.3712% | 3,518 |
| Retained earnings to average equity (ytd only) | 5.3712% | 2,129 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5686% | 1,504 |
| Assets per employee ($millions) | 6.3843% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 3,793 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 80.2485% | 667 |
| Net loans and leases to deposits | 93.0420% | 1,178 |
| Net loans and leases to core deposits | 102.8339% | 1,255 |
| Total domestic deposits to total assets | 86.2498% | 1,894 |
| Equity capital to assets | 10.5138% | 3,305 |
| Core capital (leverage) ratio | 10.3118% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0304% | 1,595 |
| Memoranda: | ||
| Average total assets | $134,704,500 | 3,525 |
| Average earning assets | $128,516,500 | 3,465 |
| Average equity | $14,000,500 | 3,771 |
| Average total loans | $109,061,000 | 3,095 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 2,182 |
| Cost of funding earning assets | 1.5712% | 326 |
| Net interest margin | 3.1827% | 4,223 |
| Noninterest income to average assets | 0.2396% | 4,243 |
| Noninterest expense to average assets | 2.3841% | 3,725 |
| Loan and lease loss provision to assets | -0.1076% | 5,088 |
| Net operating income to assets | 0.7728% | 3,635 |
| Return on assets (ROA) | 0.7728% | 3,715 |
| Pretax return on assets | 0.9857% | 3,497 |
| Return on Equity (ROE) | 7.5877% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.5877% | 1,127 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0823% | 1,718 |
| Assets per employee ($millions) | 6.4447% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 3,730 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.0455% | 785 |
| Net loans and leases to deposits | 92.5685% | 1,300 |
| Net loans and leases to core deposits | 102.3787% | 1,375 |
| Total domestic deposits to total assets | 86.4716% | 1,858 |
| Equity capital to assets | 10.2743% | 3,650 |
| Core capital (leverage) ratio | 10.0499% | 3,458 |
| Tier 1 risk-based capital ratio | 14.5205% | 3,006 |
| Total risk-based capital ratio | 15.6692% | 2,970 |
| Memoranda: | ||
| Average total assets | $131,078,400 | 3,552 |
| Average earning assets | $124,487,400 | 3,501 |
| Average equity | $13,350,600 | 3,850 |
| Average total loans | $107,928,800 | 3,118 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 2,211 |
| Cost of funding earning assets | 1.5716% | 330 |
| Net interest margin | 3.1994% | 4,302 |
| Noninterest income to average assets | 0.2625% | 4,170 |
| Noninterest expense to average assets | 2.4469% | 3,578 |
| Loan and lease loss provision to assets | -0.0872% | 5,153 |
| Net operating income to assets | 0.7302% | 3,911 |
| Return on assets (ROA) | 0.7302% | 3,979 |
| Pretax return on assets | 0.9363% | 3,773 |
| Return on Equity (ROE) | 7.1852% | 3,615 |
| Retained earnings to average equity (ytd only) | 7.1852% | 1,769 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2377% | 1,531 |
| Assets per employee ($millions) | 6.8232% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 3,838 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 79.7051% | 887 |
| Net loans and leases to deposits | 91.9052% | 1,446 |
| Net loans and leases to core deposits | 100.6748% | 1,611 |
| Total domestic deposits to total assets | 86.7253% | 1,666 |
| Equity capital to assets | 9.9646% | 4,054 |
| Core capital (leverage) ratio | 9.9797% | 3,660 |
| Tier 1 risk-based capital ratio | 14.1318% | 3,266 |
| Total risk-based capital ratio | 15.3331% | 3,195 |
| Memoranda: | ||
| Average total assets | $130,013,500 | 3,598 |
| Average earning assets | $123,271,000 | 3,553 |
| Average equity | $13,212,000 | 3,905 |
| Average total loans | $107,553,000 | 3,158 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 2,163 |
| Cost of funding earning assets | 1.5485% | 322 |
| Net interest margin | 3.2205% | 4,314 |
| Noninterest income to average assets | 0.2205% | 4,424 |
| Noninterest expense to average assets | 2.4761% | 3,555 |
| Loan and lease loss provision to assets | -0.0688% | 5,192 |
| Net operating income to assets | 0.6757% | 4,081 |
| Return on assets (ROA) | 0.6757% | 4,135 |
| Pretax return on assets | 0.8712% | 3,930 |
| Return on Equity (ROE) | 6.6038% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.6038% | 2,003 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5248% | 1,454 |
| Assets per employee ($millions) | 6.5849% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,055 |
| Loan loss allowance to noncurrent loans | 2,176.3636% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 3,643 |
| Noncurrent loans to loans | 0.0507% | 4,459 |
| Net loans and leases to total assets | 81.5076% | 673 |
| Net loans and leases to deposits | 94.2142% | 1,236 |
| Net loans and leases to core deposits | 103.7832% | 1,403 |
| Total domestic deposits to total assets | 86.5130% | 1,814 |
| Equity capital to assets | 10.1073% | 3,882 |
| Core capital (leverage) ratio | 10.2292% | 3,358 |
| Tier 1 risk-based capital ratio | 14.0221% | 3,307 |
| Total risk-based capital ratio | 15.2714% | 3,223 |
| Memoranda: | ||
| Average total assets | $127,863,670 | 3,650 |
| Average earning assets | $121,408,330 | 3,603 |
| Average equity | $13,083,330 | 3,921 |
| Average total loans | $106,762,670 | 3,186 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 1,962 |
| Cost of funding earning assets | 1.4917% | 334 |
| Net interest margin | 3.2879% | 4,190 |
| Noninterest income to average assets | 0.2160% | 4,455 |
| Noninterest expense to average assets | 2.4804% | 3,563 |
| Loan and lease loss provision to assets | 0.0127% | 3,273 |
| Net operating income to assets | 0.6479% | 4,100 |
| Return on assets (ROA) | 0.6479% | 4,133 |
| Pretax return on assets | 0.8448% | 3,931 |
| Return on Equity (ROE) | 6.2917% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.2917% | 2,324 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3102% | 1,712 |
| Assets per employee ($millions) | 6.4120% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 3,839 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.4911% | 424 |
| Net loans and leases to deposits | 97.7549% | 804 |
| Net loans and leases to core deposits | 107.4580% | 1,075 |
| Total domestic deposits to total assets | 85.4086% | 2,523 |
| Equity capital to assets | 10.1957% | 3,625 |
| Core capital (leverage) ratio | 10.2952% | 3,280 |
| Tier 1 risk-based capital ratio | 13.8867% | 3,400 |
| Total risk-based capital ratio | 15.1367% | 3,318 |
| Memoranda: | ||
| Average total assets | $125,947,000 | 3,710 |
| Average earning assets | $119,591,500 | 3,663 |
| Average equity | $12,969,500 | 3,953 |
| Average total loans | $105,874,000 | 3,228 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 2,233 |
| Cost of funding earning assets | 1.1672% | 384 |
| Net interest margin | 3.4027% | 3,994 |
| Noninterest income to average assets | 0.2247% | 4,578 |
| Noninterest expense to average assets | 2.5005% | 3,613 |
| Loan and lease loss provision to assets | 0.0835% | 2,464 |
| Net operating income to assets | 0.6492% | 4,288 |
| Return on assets (ROA) | 0.6492% | 4,293 |
| Pretax return on assets | 0.8580% | 4,019 |
| Return on Equity (ROE) | 6.2507% | 4,092 |
| Retained earnings to average equity (ytd only) | 6.2507% | 2,061 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6456% | 1,824 |
| Assets per employee ($millions) | 6.5081% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 3,821 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.6443% | 569 |
| Net loans and leases to deposits | 98.1823% | 880 |
| Net loans and leases to core deposits | 107.2442% | 1,177 |
| Total domestic deposits to total assets | 84.1744% | 2,948 |
| Equity capital to assets | 10.4032% | 3,282 |
| Core capital (leverage) ratio | 10.3847% | 3,156 |
| Tier 1 risk-based capital ratio | 14.2010% | 3,204 |
| Total risk-based capital ratio | 15.4518% | 3,131 |
| Memoranda: | ||
| Average total assets | $119,694,800 | 3,789 |
| Average earning assets | $113,175,600 | 3,754 |
| Average equity | $12,430,600 | 3,973 |
| Average total loans | $99,440,000 | 3,301 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5083% | 2,270 |
| Cost of funding earning assets | 1.0968% | 408 |
| Net interest margin | 3.4115% | 3,970 |
| Noninterest income to average assets | 0.2258% | 4,620 |
| Noninterest expense to average assets | 2.5328% | 3,494 |
| Loan and lease loss provision to assets | 0.0977% | 2,031 |
| Net operating income to assets | 0.6121% | 4,467 |
| Return on assets (ROA) | 0.6121% | 4,473 |
| Pretax return on assets | 0.8199% | 4,242 |
| Return on Equity (ROE) | 5.8971% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.8971% | 2,706 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4049% | 1,673 |
| Assets per employee ($millions) | 6.5452% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 3,937 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.2940% | 664 |
| Net loans and leases to deposits | 98.0062% | 947 |
| Net loans and leases to core deposits | 107.8262% | 1,180 |
| Total domestic deposits to total assets | 83.9682% | 2,955 |
| Equity capital to assets | 10.1488% | 3,494 |
| Core capital (leverage) ratio | 10.3804% | 3,202 |
| Tier 1 risk-based capital ratio | 13.8648% | 3,435 |
| Total risk-based capital ratio | 15.1150% | 3,344 |
| Memoranda: | ||
| Average total assets | $118,705,000 | 3,846 |
| Average earning assets | $112,205,000 | 3,811 |
| Average equity | $12,322,250 | 4,020 |
| Average total loans | $98,441,500 | 3,352 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 2,191 |
| Cost of funding earning assets | 1.0412% | 382 |
| Net interest margin | 3.4264% | 3,877 |
| Noninterest income to average assets | 0.2431% | 4,556 |
| Noninterest expense to average assets | 2.5886% | 3,362 |
| Loan and lease loss provision to assets | 0.0856% | 2,202 |
| Net operating income to assets | 0.5821% | 4,556 |
| Return on assets (ROA) | 0.5821% | 4,550 |
| Pretax return on assets | 0.8029% | 4,235 |
| Return on Equity (ROE) | 5.5634% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.5634% | 2,788 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4461% | 1,645 |
| Assets per employee ($millions) | 6.6417% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 3,954 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.1882% | 690 |
| Net loans and leases to deposits | 94.5742% | 1,292 |
| Net loans and leases to core deposits | 103.1537% | 1,469 |
| Total domestic deposits to total assets | 86.9034% | 1,878 |
| Equity capital to assets | 10.3781% | 3,240 |
| Core capital (leverage) ratio | 10.3733% | 3,162 |
| Tier 1 risk-based capital ratio | 13.9656% | 3,372 |
| Total risk-based capital ratio | 15.2161% | 3,299 |
| Memoranda: | ||
| Average total assets | $116,820,330 | 3,912 |
| Average earning assets | $110,262,000 | 3,869 |
| Average equity | $12,222,670 | 4,055 |
| Average total loans | $96,732,670 | 3,396 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 2,025 |
| Cost of funding earning assets | 0.9860% | 392 |
| Net interest margin | 3.4622% | 3,667 |
| Noninterest income to average assets | 0.1767% | 4,968 |
| Noninterest expense to average assets | 2.6192% | 3,277 |
| Loan and lease loss provision to assets | 0.0797% | 2,186 |
| Net operating income to assets | 0.5613% | 4,538 |
| Return on assets (ROA) | 0.5613% | 4,541 |
| Pretax return on assets | 0.7379% | 4,332 |
| Return on Equity (ROE) | 5.3419% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.3419% | 3,018 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2097% | 1,562 |
| Assets per employee ($millions) | 6.1952% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 4,031 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 80.9792% | 794 |
| Net loans and leases to deposits | 95.0159% | 1,132 |
| Net loans and leases to core deposits | 102.5443% | 1,480 |
| Total domestic deposits to total assets | 85.2270% | 2,847 |
| Equity capital to assets | 10.3799% | 3,188 |
| Core capital (leverage) ratio | 10.4699% | 2,986 |
| Tier 1 risk-based capital ratio | 14.0687% | 3,343 |
| Total risk-based capital ratio | 15.3192% | 3,259 |
| Memoranda: | ||
| Average total assets | $115,455,500 | 3,973 |
| Average earning assets | $108,718,500 | 3,938 |
| Average equity | $12,130,500 | 4,100 |
| Average total loans | $95,375,500 | 3,436 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 2,377 |
| Cost of funding earning assets | 0.9243% | 331 |
| Net interest margin | 3.3620% | 3,965 |
| Noninterest income to average assets | 0.2626% | 4,567 |
| Noninterest expense to average assets | 2.7079% | 3,103 |
| Loan and lease loss provision to assets | 0.1132% | 2,011 |
| Net operating income to assets | 0.3188% | 4,900 |
| Return on assets (ROA) | 0.3188% | 4,914 |
| Pretax return on assets | 0.6004% | 4,739 |
| Return on Equity (ROE) | 2.9718% | 4,835 |
| Retained earnings to average equity (ytd only) | 2.9718% | 3,521 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1424% | 1,205 |
| Assets per employee ($millions) | 5.9581% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 4,035 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 82.2655% | 644 |
| Net loans and leases to deposits | 93.8459% | 1,295 |
| Net loans and leases to core deposits | 100.8741% | 1,646 |
| Total domestic deposits to total assets | 87.6602% | 1,674 |
| Equity capital to assets | 10.6384% | 3,006 |
| Core capital (leverage) ratio | 10.5797% | 2,760 |
| Tier 1 risk-based capital ratio | 14.0645% | 3,327 |
| Total risk-based capital ratio | 15.3153% | 3,224 |
| Memoranda: | ||
| Average total assets | $110,418,400 | 4,054 |
| Average earning assets | $103,748,600 | 4,030 |
| Average equity | $11,844,600 | 4,167 |
| Average total loans | $90,217,400 | 3,520 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 2,473 |
| Cost of funding earning assets | 0.9091% | 326 |
| Net interest margin | 3.3314% | 4,071 |
| Noninterest income to average assets | 0.2698% | 4,578 |
| Noninterest expense to average assets | 2.7353% | 2,942 |
| Loan and lease loss provision to assets | 0.1325% | 1,642 |
| Net operating income to assets | 0.3573% | 5,087 |
| Return on assets (ROA) | 0.3573% | 5,107 |
| Pretax return on assets | 0.5322% | 4,970 |
| Return on Equity (ROE) | 3.3234% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.3234% | 3,949 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4503% | 1,053 |
| Assets per employee ($millions) | 5.9735% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 2,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 4,182 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.2883% | 792 |
| Net loans and leases to deposits | 92.6714% | 1,468 |
| Net loans and leases to core deposits | 100.7227% | 1,646 |
| Total domestic deposits to total assets | 87.7167% | 1,509 |
| Equity capital to assets | 10.5484% | 3,318 |
| Core capital (leverage) ratio | 10.5805% | 2,902 |
| Tier 1 risk-based capital ratio | 14.1590% | 3,373 |
| Total risk-based capital ratio | 15.4103% | 3,272 |
| Memoranda: | ||
| Average total assets | $109,722,250 | 4,107 |
| Average earning assets | $103,098,000 | 4,087 |
| Average equity | $11,795,000 | 4,217 |
| Average total loans | $89,204,750 | 3,572 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 2,471 |
| Cost of funding earning assets | 0.8850% | 334 |
| Net interest margin | 3.3157% | 4,060 |
| Noninterest income to average assets | 0.2895% | 4,485 |
| Noninterest expense to average assets | 2.7622% | 2,884 |
| Loan and lease loss provision to assets | 0.1549% | 1,294 |
| Net operating income to assets | 0.3319% | 5,147 |
| Return on assets (ROA) | 0.3319% | 5,169 |
| Pretax return on assets | 0.4813% | 5,039 |
| Return on Equity (ROE) | 3.0675% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.0675% | 3,885 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2805% | 1,078 |
| Assets per employee ($millions) | 5.8253% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 4,246 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.6995% | 850 |
| Net loans and leases to deposits | 92.1470% | 1,469 |
| Net loans and leases to core deposits | 100.2784% | 1,631 |
| Total domestic deposits to total assets | 87.5769% | 1,676 |
| Equity capital to assets | 10.7010% | 3,130 |
| Core capital (leverage) ratio | 10.6215% | 2,783 |
| Tier 1 risk-based capital ratio | 14.4293% | 3,201 |
| Total risk-based capital ratio | 15.6805% | 3,130 |
| Memoranda: | ||
| Average total assets | $108,464,330 | 4,157 |
| Average earning assets | $101,696,670 | 4,136 |
| Average equity | $11,736,000 | 4,233 |
| Average total loans | $87,811,670 | 3,619 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 2,519 |
| Cost of funding earning assets | 0.8318% | 406 |
| Net interest margin | 3.3072% | 3,982 |
| Noninterest income to average assets | 0.2496% | 4,750 |
| Noninterest expense to average assets | 2.7497% | 2,950 |
| Loan and lease loss provision to assets | 0.2236% | 706 |
| Net operating income to assets | 0.2757% | 5,251 |
| Return on assets (ROA) | 0.2757% | 5,264 |
| Pretax return on assets | 0.3726% | 5,205 |
| Return on Equity (ROE) | 2.5338% | 5,220 |
| Retained earnings to average equity (ytd only) | 2.5338% | 4,127 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1826% | 1,140 |
| Assets per employee ($millions) | 5.8136% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 3,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 4,314 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 79.8077% | 855 |
| Net loans and leases to deposits | 94.0299% | 1,102 |
| Net loans and leases to core deposits | 102.6013% | 1,325 |
| Total domestic deposits to total assets | 84.8748% | 3,134 |
| Equity capital to assets | 10.6149% | 3,049 |
| Core capital (leverage) ratio | 11.0649% | 2,295 |
| Tier 1 risk-based capital ratio | 14.5147% | 3,190 |
| Total risk-based capital ratio | 15.7663% | 3,126 |
| Memoranda: | ||
| Average total assets | $107,356,000 | 4,219 |
| Average earning assets | $100,507,500 | 4,197 |
| Average equity | $11,682,000 | 4,272 |
| Average total loans | $86,508,000 | 3,671 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 2,444 |
| Cost of funding earning assets | 0.8579% | 371 |
| Net interest margin | 3.3546% | 3,982 |
| Noninterest income to average assets | 0.2437% | 4,965 |
| Noninterest expense to average assets | 2.6483% | 3,527 |
| Loan and lease loss provision to assets | -0.0358% | 5,549 |
| Net operating income to assets | 0.5039% | 4,616 |
| Return on assets (ROA) | 0.5039% | 4,690 |
| Pretax return on assets | 0.7854% | 4,228 |
| Return on Equity (ROE) | 4.6228% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.6228% | 2,617 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9391% | 1,700 |
| Assets per employee ($millions) | 5.4871% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 3,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 4,346 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.3926% | 981 |
| Net loans and leases to deposits | 94.6137% | 1,127 |
| Net loans and leases to core deposits | 102.8723% | 1,372 |
| Total domestic deposits to total assets | 83.9124% | 3,452 |
| Equity capital to assets | 11.1641% | 2,464 |
| Core capital (leverage) ratio | 11.1793% | 2,183 |
| Tier 1 risk-based capital ratio | 15.5100% | 2,744 |
| Total risk-based capital ratio | 16.7613% | 2,674 |
| Memoranda: | ||
| Average total assets | $103,386,800 | 4,300 |
| Average earning assets | $97,208,800 | 4,250 |
| Average equity | $11,270,200 | 4,385 |
| Average total loans | $83,545,600 | 3,726 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 2,520 |
| Cost of funding earning assets | 0.8707% | 340 |
| Net interest margin | 3.3279% | 4,102 |
| Noninterest income to average assets | 0.2585% | 4,914 |
| Noninterest expense to average assets | 2.5730% | 3,755 |
| Loan and lease loss provision to assets | 0.0090% | 4,056 |
| Net operating income to assets | 0.5182% | 4,630 |
| Return on assets (ROA) | 0.5182% | 4,733 |
| Pretax return on assets | 0.8129% | 4,269 |
| Return on Equity (ROE) | 4.7831% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.7831% | 2,967 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7899% | 2,004 |
| Assets per employee ($millions) | 6.0896% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 4,473 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.1447% | 870 |
| Net loans and leases to deposits | 92.8574% | 1,388 |
| Net loans and leases to core deposits | 101.4328% | 1,522 |
| Total domestic deposits to total assets | 86.3095% | 2,212 |
| Equity capital to assets | 11.1134% | 2,904 |
| Core capital (leverage) ratio | 11.0294% | 2,421 |
| Tier 1 risk-based capital ratio | 15.3398% | 2,897 |
| Total risk-based capital ratio | 16.5918% | 2,828 |
| Memoranda: | ||
| Average total assets | $103,170,000 | 4,333 |
| Average earning assets | $97,234,750 | 4,287 |
| Average equity | $11,178,000 | 4,440 |
| Average total loans | $83,485,500 | 3,743 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1653% | 2,618 |
| Cost of funding earning assets | 0.8886% | 309 |
| Net interest margin | 3.2767% | 4,302 |
| Noninterest income to average assets | 0.2678% | 4,869 |
| Noninterest expense to average assets | 2.5793% | 3,790 |
| Loan and lease loss provision to assets | -0.0097% | 5,766 |
| Net operating income to assets | 0.4891% | 4,723 |
| Return on assets (ROA) | 0.4891% | 4,822 |
| Pretax return on assets | 0.7899% | 4,322 |
| Return on Equity (ROE) | 4.5533% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.5533% | 3,015 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7764% | 1,967 |
| Assets per employee ($millions) | 6.4783% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 3,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 4,528 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.4637% | 836 |
| Net loans and leases to deposits | 93.1638% | 1,379 |
| Net loans and leases to core deposits | 101.4191% | 1,514 |
| Total domestic deposits to total assets | 86.3680% | 2,231 |
| Equity capital to assets | 10.9413% | 3,119 |
| Core capital (leverage) ratio | 10.9528% | 2,480 |
| Tier 1 risk-based capital ratio | 14.9353% | 3,102 |
| Total risk-based capital ratio | 16.1864% | 3,046 |
| Memoranda: | ||
| Average total assets | $103,052,000 | 4,367 |
| Average earning assets | $97,231,670 | 4,321 |
| Average equity | $11,069,000 | 4,483 |
| Average total loans | $83,304,330 | 3,773 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 2,561 |
| Cost of funding earning assets | 0.9375% | 238 |
| Net interest margin | 3.2380% | 4,443 |
| Noninterest income to average assets | 0.1713% | 5,464 |
| Noninterest expense to average assets | 2.5459% | 3,924 |
| Loan and lease loss provision to assets | -0.1518% | 6,005 |
| Net operating income to assets | 0.5216% | 4,540 |
| Return on assets (ROA) | 0.5216% | 4,647 |
| Pretax return on assets | 0.8292% | 4,105 |
| Return on Equity (ROE) | 4.9026% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.9026% | 2,996 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9855% | 1,749 |
| Assets per employee ($millions) | 6.4649% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 3,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 4,593 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.1125% | 1,087 |
| Net loans and leases to deposits | 90.2700% | 1,550 |
| Net loans and leases to core deposits | 99.2519% | 1,541 |
| Total domestic deposits to total assets | 86.5320% | 2,428 |
| Equity capital to assets | 10.8306% | 3,131 |
| Core capital (leverage) ratio | 10.9365% | 2,461 |
| Tier 1 risk-based capital ratio | 15.2151% | 3,053 |
| Total risk-based capital ratio | 16.4672% | 2,989 |
| Memoranda: | ||
| Average total assets | $102,751,500 | 4,411 |
| Average earning assets | $96,851,000 | 4,365 |
| Average equity | $10,933,000 | 4,523 |
| Average total loans | $82,731,000 | 3,788 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 2,372 |
| Cost of funding earning assets | 1.0147% | 165 |
| Net interest margin | 3.2402% | 4,504 |
| Noninterest income to average assets | 0.0873% | 5,909 |
| Noninterest expense to average assets | 2.5870% | 3,968 |
| Loan and lease loss provision to assets | 0.0955% | 2,401 |
| Net operating income to assets | 0.2680% | 5,441 |
| Return on assets (ROA) | 0.2680% | 5,521 |
| Pretax return on assets | 0.4447% | 5,237 |
| Return on Equity (ROE) | 2.4811% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.4811% | 4,306 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7258% | 1,307 |
| Assets per employee ($millions) | 6.3791% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 3,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 4,617 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 80.9259% | 723 |
| Net loans and leases to deposits | 93.6729% | 1,232 |
| Net loans and leases to core deposits | 102.4129% | 1,334 |
| Total domestic deposits to total assets | 86.3920% | 2,436 |
| Equity capital to assets | 10.4473% | 3,428 |
| Core capital (leverage) ratio | 10.3613% | 3,093 |
| Tier 1 risk-based capital ratio | 14.1950% | 3,608 |
| Total risk-based capital ratio | 15.4467% | 3,523 |
| Memoranda: | ||
| Average total assets | $97,370,200 | 4,511 |
| Average earning assets | $91,352,800 | 4,476 |
| Average equity | $10,519,600 | 4,562 |
| Average total loans | $79,241,600 | 3,850 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 2,446 |
| Cost of funding earning assets | 1.0332% | 150 |
| Net interest margin | 3.2063% | 4,646 |
| Noninterest income to average assets | 0.2578% | 5,093 |
| Noninterest expense to average assets | 2.6099% | 3,840 |
| Loan and lease loss provision to assets | 0.0984% | 2,210 |
| Net operating income to assets | 0.3410% | 5,344 |
| Return on assets (ROA) | 0.3410% | 5,426 |
| Pretax return on assets | 0.5516% | 5,091 |
| Return on Equity (ROE) | 3.1286% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.1286% | 4,228 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0595% | 1,652 |
| Assets per employee ($millions) | 6.3173% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 3,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 4,135 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.4981% | 640 |
| Net loans and leases to deposits | 95.8194% | 1,026 |
| Net loans and leases to core deposits | 101.7465% | 1,395 |
| Total domestic deposits to total assets | 85.0538% | 2,985 |
| Equity capital to assets | 10.5287% | 3,575 |
| Core capital (leverage) ratio | 10.6164% | 2,910 |
| Tier 1 risk-based capital ratio | 14.0242% | 3,830 |
| Total risk-based capital ratio | 15.2761% | 3,775 |
| Memoranda: | ||
| Average total assets | $96,196,500 | 4,587 |
| Average earning assets | $90,070,250 | 4,555 |
| Average equity | $10,483,750 | 4,621 |
| Average total loans | $78,139,500 | 3,917 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,450 |
| Cost of funding earning assets | 1.0909% | 102 |
| Net interest margin | 3.1347% | 4,868 |
| Noninterest income to average assets | 0.2813% | 4,944 |
| Noninterest expense to average assets | 2.6626% | 3,713 |
| Loan and lease loss provision to assets | 0.1036% | 2,096 |
| Net operating income to assets | 0.2876% | 5,477 |
| Return on assets (ROA) | 0.2876% | 5,564 |
| Pretax return on assets | 0.4441% | 5,365 |
| Return on Equity (ROE) | 2.6076% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.6076% | 4,402 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9381% | 1,382 |
| Assets per employee ($millions) | 6.0099% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 4,203 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 80.8265% | 695 |
| Net loans and leases to deposits | 93.4136% | 1,209 |
| Net loans and leases to core deposits | 98.8792% | 1,580 |
| Total domestic deposits to total assets | 86.5254% | 2,417 |
| Equity capital to assets | 10.9381% | 2,948 |
| Core capital (leverage) ratio | 10.7495% | 2,678 |
| Tier 1 risk-based capital ratio | 14.3712% | 3,714 |
| Total risk-based capital ratio | 15.6238% | 3,638 |
| Memoranda: | ||
| Average total assets | $94,570,000 | 4,667 |
| Average earning assets | $88,366,000 | 4,630 |
| Average equity | $10,431,000 | 4,663 |
| Average total loans | $76,384,000 | 3,992 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 2,576 |
| Cost of funding earning assets | 1.0999% | 96 |
| Net interest margin | 3.0670% | 5,038 |
| Noninterest income to average assets | 0.2474% | 5,183 |
| Noninterest expense to average assets | 2.6276% | 3,831 |
| Loan and lease loss provision to assets | 0.1066% | 1,924 |
| Net operating income to assets | 0.2474% | 5,571 |
| Return on assets (ROA) | 0.2474% | 5,660 |
| Pretax return on assets | 0.3796% | 5,469 |
| Return on Equity (ROE) | 2.2335% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.2335% | 4,564 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3836% | 1,331 |
| Assets per employee ($millions) | 5.8108% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 3,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 4,258 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 80.8469% | 586 |
| Net loans and leases to deposits | 93.8659% | 994 |
| Net loans and leases to core deposits | 101.7159% | 1,200 |
| Total domestic deposits to total assets | 86.1302% | 2,869 |
| Equity capital to assets | 11.2163% | 2,737 |
| Core capital (leverage) ratio | 11.0481% | 2,365 |
| Tier 1 risk-based capital ratio | 15.1184% | 3,370 |
| Total risk-based capital ratio | 16.3701% | 3,289 |
| Memoranda: | ||
| Average total assets | $93,775,500 | 4,728 |
| Average earning assets | $87,643,000 | 4,679 |
| Average equity | $10,387,500 | 4,710 |
| Average total loans | $75,210,500 | 4,045 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 2,855 |
| Cost of funding earning assets | 1.1708% | 93 |
| Net interest margin | 3.0573% | 5,301 |
| Noninterest income to average assets | 0.2704% | 5,189 |
| Noninterest expense to average assets | 2.5967% | 4,236 |
| Loan and lease loss provision to assets | 0.3491% | 548 |
| Net operating income to assets | 0.8232% | 3,264 |
| Return on assets (ROA) | 0.8232% | 3,355 |
| Pretax return on assets | 0.2058% | 5,863 |
| Return on Equity (ROE) | 7.8526% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.8526% | 1,075 |
| Net charge-offs to loans | 0.4674% | 896 |
| Credit loss provision to net charge-offs | 92.0455% | 2,602 |
| Earnings coverage of net charge-offs (x) | 1.4631% | 4,414 |
| Efficiency ratio | 82.3932% | 1,616 |
| Assets per employee ($millions) | 5.9112% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 3,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 4,362 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 77.5130% | 1,069 |
| Net loans and leases to deposits | 88.5548% | 1,666 |
| Net loans and leases to core deposits | 97.2798% | 1,613 |
| Total domestic deposits to total assets | 87.5311% | 2,016 |
| Equity capital to assets | 10.9401% | 2,962 |
| Core capital (leverage) ratio | 10.7349% | 2,686 |
| Tier 1 risk-based capital ratio | 15.1055% | 3,435 |
| Total risk-based capital ratio | 16.3585% | 3,380 |
| Memoranda: | ||
| Average total assets | $92,810,800 | 4,776 |
| Average earning assets | $87,462,200 | 4,707 |
| Average equity | $9,729,200 | 4,807 |
| Average total loans | $75,310,800 | 4,011 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 2,788 |
| Cost of funding earning assets | 1.1852% | 94 |
| Net interest margin | 3.0707% | 5,332 |
| Noninterest income to average assets | 0.2930% | 5,100 |
| Noninterest expense to average assets | 2.6343% | 4,081 |
| Loan and lease loss provision to assets | 0.4605% | 331 |
| Net operating income to assets | 0.0967% | 6,033 |
| Return on assets (ROA) | 0.0967% | 6,059 |
| Pretax return on assets | 0.0967% | 6,061 |
| Return on Equity (ROE) | 0.9330% | 6,039 |
| Retained earnings to average equity (ytd only) | 0.9330% | 5,509 |
| Net charge-offs to loans | 0.6352% | 567 |
| Credit loss provision to net charge-offs | 88.6111% | 2,461 |
| Earnings coverage of net charge-offs (x) | 1.0722% | 4,248 |
| Efficiency ratio | 82.5418% | 1,549 |
| Assets per employee ($millions) | 5.8381% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 3,929 |
| Loan loss allowance to noncurrent loans | 226.5550% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 4,562 |
| Noncurrent loans to loans | 0.5530% | 4,262 |
| Net loans and leases to total assets | 79.9066% | 721 |
| Net loans and leases to deposits | 90.9379% | 1,335 |
| Net loans and leases to core deposits | 94.5253% | 1,805 |
| Total domestic deposits to total assets | 87.8695% | 1,830 |
| Equity capital to assets | 10.3159% | 3,771 |
| Core capital (leverage) ratio | 10.5045% | 3,034 |
| Tier 1 risk-based capital ratio | 14.1761% | 4,094 |
| Total risk-based capital ratio | 15.4275% | 4,023 |
| Memoranda: | ||
| Average total assets | $92,368,750 | 4,832 |
| Average earning assets | $87,186,250 | 4,765 |
| Average equity | $9,574,750 | 4,880 |
| Average total loans | $75,570,750 | 4,047 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 2,754 |
| Cost of funding earning assets | 1.1941% | 94 |
| Net interest margin | 3.0622% | 5,365 |
| Noninterest income to average assets | 0.2738% | 5,238 |
| Noninterest expense to average assets | 2.6863% | 3,917 |
| Loan and lease loss provision to assets | 0.6738% | 200 |
| Net operating income to assets | -0.1934% | 6,316 |
| Return on assets (ROA) | -0.1934% | 6,325 |
| Pretax return on assets | -0.1934% | 6,309 |
| Return on Equity (ROE) | -1.8630% | 6,323 |
| Retained earnings to average equity (ytd only) | -1.8630% | 5,975 |
| Net charge-offs to loans | 0.9528% | 375 |
| Credit loss provision to net charge-offs | 86.1111% | 2,243 |
| Earnings coverage of net charge-offs (x) | 0.6139% | 4,013 |
| Efficiency ratio | 84.8318% | 1,407 |
| Assets per employee ($millions) | 5.6833% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 4,155 |
| Loan loss allowance to noncurrent loans | 224.4019% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 4,619 |
| Noncurrent loans to loans | 0.5574% | 4,347 |
| Net loans and leases to total assets | 81.4444% | 527 |
| Net loans and leases to deposits | 92.8104% | 1,068 |
| Net loans and leases to core deposits | 95.9376% | 1,605 |
| Total domestic deposits to total assets | 87.7535% | 2,058 |
| Equity capital to assets | 10.4155% | 3,545 |
| Core capital (leverage) ratio | 10.1868% | 3,364 |
| Tier 1 risk-based capital ratio | 13.9604% | 4,281 |
| Total risk-based capital ratio | 15.2118% | 4,222 |
| Memoranda: | ||
| Average total assets | $92,022,000 | 4,876 |
| Average earning assets | $86,930,330 | 4,803 |
| Average equity | $9,554,330 | 4,901 |
| Average total loans | $75,565,330 | 4,060 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 2,733 |
| Cost of funding earning assets | 1.1884% | 99 |
| Net interest margin | 3.0486% | 5,389 |
| Noninterest income to average assets | 0.2550% | 5,322 |
| Noninterest expense to average assets | 2.5495% | 4,450 |
| Loan and lease loss provision to assets | 0.1080% | 2,131 |
| Net operating income to assets | 0.4797% | 4,787 |
| Return on assets (ROA) | 0.4797% | 4,863 |
| Pretax return on assets | 0.4797% | 5,229 |
| Return on Equity (ROE) | 4.6269% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.6269% | 3,341 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2672% | 2,018 |
| Assets per employee ($millions) | 5.8302% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 3,885 |
| Loan loss allowance to noncurrent loans | 130.2057% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 3,637 |
| Noncurrent loans to loans | 1.0320% | 3,365 |
| Net loans and leases to total assets | 79.7337% | 582 |
| Net loans and leases to deposits | 90.7414% | 1,065 |
| Net loans and leases to core deposits | 95.5316% | 1,420 |
| Total domestic deposits to total assets | 87.8692% | 2,304 |
| Equity capital to assets | 10.3534% | 3,396 |
| Core capital (leverage) ratio | 10.3906% | 3,056 |
| Tier 1 risk-based capital ratio | 14.1267% | 4,235 |
| Total risk-based capital ratio | 15.3802% | 4,191 |
| Memoranda: | ||
| Average total assets | $92,567,000 | 4,902 |
| Average earning assets | $87,514,500 | 4,836 |
| Average equity | $9,596,000 | 4,910 |
| Average total loans | $75,849,500 | 4,076 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 2,572 |
| Cost of funding earning assets | 1.2760% | 123 |
| Net interest margin | 3.1287% | 5,229 |
| Noninterest income to average assets | 0.2338% | 5,675 |
| Noninterest expense to average assets | 2.5833% | 4,523 |
| Loan and lease loss provision to assets | 0.1158% | 2,876 |
| Net operating income to assets | 0.4846% | 4,798 |
| Return on assets (ROA) | 0.4846% | 4,940 |
| Pretax return on assets | 0.4846% | 5,245 |
| Return on Equity (ROE) | 4.6722% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.6722% | 2,831 |
| Net charge-offs to loans | 0.2538% | 2,452 |
| Credit loss provision to net charge-offs | 54.5455% | 3,716 |
| Earnings coverage of net charge-offs (x) | 2.8289% | 4,060 |
| Efficiency ratio | 81.1408% | 2,002 |
| Assets per employee ($millions) | 5.7407% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,170 |
| Loan loss allowance to noncurrent loans | 126.9923% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 3,774 |
| Noncurrent loans to loans | 1.0196% | 3,472 |
| Net loans and leases to total assets | 82.0024% | 416 |
| Net loans and leases to deposits | 93.3091% | 932 |
| Net loans and leases to core deposits | 97.8106% | 1,317 |
| Total domestic deposits to total assets | 87.8825% | 2,251 |
| Equity capital to assets | 10.3799% | 3,311 |
| Core capital (leverage) ratio | 10.3845% | 3,042 |
| Tier 1 risk-based capital ratio | 13.6278% | 4,568 |
| Total risk-based capital ratio | 14.8799% | 4,513 |
| Memoranda: | ||
| Average total assets | $88,105,400 | 5,026 |
| Average earning assets | $83,070,800 | 4,953 |
| Average equity | $9,139,200 | 5,052 |
| Average total loans | $73,682,800 | 4,143 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 2,595 |
| Cost of funding earning assets | 1.2854% | 136 |
| Net interest margin | 3.1161% | 5,278 |
| Noninterest income to average assets | 0.2631% | 5,566 |
| Noninterest expense to average assets | 2.5452% | 4,574 |
| Loan and lease loss provision to assets | 0.1315% | 2,641 |
| Net operating income to assets | 0.5231% | 4,702 |
| Return on assets (ROA) | 0.5231% | 4,854 |
| Pretax return on assets | 0.5231% | 5,290 |
| Return on Equity (ROE) | 5.0439% | 4,703 |
| Retained earnings to average equity (ytd only) | 5.0439% | 3,050 |
| Net charge-offs to loans | 0.3414% | 1,839 |
| Credit loss provision to net charge-offs | 45.9893% | 3,597 |
| Earnings coverage of net charge-offs (x) | 2.2887% | 4,078 |
| Efficiency ratio | 79.5411% | 2,169 |
| Assets per employee ($millions) | 5.6539% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,453 |
| Loan loss allowance to noncurrent loans | 124.9357% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 3,967 |
| Noncurrent loans to loans | 1.0319% | 3,738 |
| Net loans and leases to total assets | 82.2699% | 350 |
| Net loans and leases to deposits | 92.5521% | 940 |
| Net loans and leases to core deposits | 96.7802% | 1,332 |
| Total domestic deposits to total assets | 88.8904% | 1,617 |
| Equity capital to assets | 10.4331% | 3,358 |
| Core capital (leverage) ratio | 10.6571% | 2,832 |
| Tier 1 risk-based capital ratio | 13.5779% | 4,709 |
| Total risk-based capital ratio | 14.8295% | 4,667 |
| Memoranda: | ||
| Average total assets | $87,169,000 | 5,095 |
| Average earning assets | $82,152,750 | 5,023 |
| Average equity | $9,040,500 | 5,128 |
| Average total loans | $73,026,500 | 4,196 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4349% | 2,441 |
| Cost of funding earning assets | 1.3055% | 136 |
| Net interest margin | 3.1294% | 5,188 |
| Noninterest income to average assets | 0.3021% | 5,290 |
| Noninterest expense to average assets | 2.6211% | 4,312 |
| Loan and lease loss provision to assets | 0.0558% | 3,886 |
| Net operating income to assets | 0.5716% | 4,444 |
| Return on assets (ROA) | 0.5716% | 4,617 |
| Pretax return on assets | 0.5716% | 5,126 |
| Return on Equity (ROE) | 5.5231% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.5231% | 2,724 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6867% | 2,066 |
| Assets per employee ($millions) | 5.4385% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 3,447 |
| Loan loss allowance to noncurrent loans | 109.7000% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.1492% | 3,447 |
| Noncurrent loans to loans | 1.3946% | 3,210 |
| Net loans and leases to total assets | 81.1425% | 423 |
| Net loans and leases to deposits | 91.6415% | 997 |
| Net loans and leases to core deposits | 96.0509% | 1,351 |
| Total domestic deposits to total assets | 88.5435% | 1,893 |
| Equity capital to assets | 10.7233% | 3,029 |
| Core capital (leverage) ratio | 10.8639% | 2,490 |
| Tier 1 risk-based capital ratio | 13.8434% | 4,531 |
| Total risk-based capital ratio | 15.0985% | 4,499 |
| Memoranda: | ||
| Average total assets | $86,071,330 | 5,154 |
| Average earning assets | $81,039,000 | 5,086 |
| Average equity | $8,908,000 | 5,194 |
| Average total loans | $72,237,000 | 4,233 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5596% | 1,950 |
| Cost of funding earning assets | 1.3063% | 153 |
| Net interest margin | 3.2533% | 4,719 |
| Noninterest income to average assets | 0.3131% | 5,186 |
| Noninterest expense to average assets | 2.5655% | 4,512 |
| Loan and lease loss provision to assets | 0.0561% | 3,704 |
| Net operating income to assets | 0.7523% | 3,428 |
| Return on assets (ROA) | 0.7523% | 3,564 |
| Pretax return on assets | 0.7523% | 4,363 |
| Return on Equity (ROE) | 7.4053% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.4053% | 1,983 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0388% | 2,917 |
| Assets per employee ($millions) | 6.2621% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 3,742 |
| Loan loss allowance to noncurrent loans | 108.5000% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 3,660 |
| Noncurrent loans to loans | 1.4003% | 3,469 |
| Net loans and leases to total assets | 80.2222% | 408 |
| Net loans and leases to deposits | 90.4136% | 930 |
| Net loans and leases to core deposits | 93.9010% | 1,352 |
| Total domestic deposits to total assets | 88.7281% | 1,853 |
| Equity capital to assets | 10.4279% | 3,635 |
| Core capital (leverage) ratio | 10.7843% | 2,470 |
| Tier 1 risk-based capital ratio | 13.5755% | 4,814 |
| Total risk-based capital ratio | 14.8303% | 4,771 |
| Memoranda: | ||
| Average total assets | $85,599,000 | 5,216 |
| Average earning assets | $80,532,500 | 5,139 |
| Average equity | $8,696,500 | 5,302 |
| Average total loans | $72,503,500 | 4,251 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 1,515 |
| Cost of funding earning assets | 1.5320% | 144 |
| Net interest margin | 3.4845% | 4,562 |
| Noninterest income to average assets | 0.1783% | 6,124 |
| Noninterest expense to average assets | 2.6889% | 4,439 |
| Loan and lease loss provision to assets | 0.1035% | 4,349 |
| Net operating income to assets | 0.6510% | 3,978 |
| Return on assets (ROA) | 0.6510% | 4,248 |
| Pretax return on assets | 0.6510% | 4,822 |
| Return on Equity (ROE) | 6.5565% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.5565% | 1,787 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0876% | 2,434 |
| Assets per employee ($millions) | 5.9664% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 3,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 86.8189% | 111 |
| Net loans and leases to deposits | 96.5761% | 588 |
| Net loans and leases to core deposits | 101.1705% | 948 |
| Total domestic deposits to total assets | 89.8969% | 1,008 |
| Equity capital to assets | 9.8780% | 4,341 |
| Core capital (leverage) ratio | 9.9954% | 3,405 |
| Tier 1 risk-based capital ratio | 12.1029% | 5,717 |
| Total risk-based capital ratio | 13.3570% | 5,681 |
| Memoranda: | ||
| Average total assets | $80,180,200 | 5,348 |
| Average earning assets | $75,132,200 | 5,271 |
| Average equity | $7,961,600 | 5,514 |
| Average total loans | $69,661,800 | 4,368 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 1,507 |
| Cost of funding earning assets | 1.5669% | 147 |
| Net interest margin | 3.5000% | 4,644 |
| Noninterest income to average assets | 0.1378% | 6,453 |
| Noninterest expense to average assets | 2.7021% | 4,357 |
| Loan and lease loss provision to assets | 0.0840% | 4,562 |
| Net operating income to assets | 0.6285% | 4,250 |
| Return on assets (ROA) | 0.6285% | 4,505 |
| Pretax return on assets | 0.6285% | 5,082 |
| Return on Equity (ROE) | 6.3206% | 4,158 |
| Retained earnings to average equity (ytd only) | 6.3206% | 2,471 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1339% | 2,218 |
| Assets per employee ($millions) | 5.6676% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 4,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 87.0655% | 115 |
| Net loans and leases to deposits | 98.3626% | 523 |
| Net loans and leases to core deposits | 101.8217% | 996 |
| Total domestic deposits to total assets | 88.5149% | 1,713 |
| Equity capital to assets | 10.2034% | 4,197 |
| Core capital (leverage) ratio | 10.1661% | 3,327 |
| Tier 1 risk-based capital ratio | 12.4275% | 5,691 |
| Total risk-based capital ratio | 13.6816% | 5,660 |
| Memoranda: | ||
| Average total assets | $79,343,000 | 5,426 |
| Average earning assets | $74,283,000 | 5,360 |
| Average equity | $7,889,250 | 5,589 |
| Average total loans | $68,679,250 | 4,444 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 1,561 |
| Cost of funding earning assets | 1.5943% | 156 |
| Net interest margin | 3.4875% | 4,727 |
| Noninterest income to average assets | 0.1059% | 6,645 |
| Noninterest expense to average assets | 2.6921% | 4,459 |
| Loan and lease loss provision to assets | 0.0983% | 4,307 |
| Net operating income to assets | 0.5798% | 4,454 |
| Return on assets (ROA) | 0.5798% | 4,724 |
| Pretax return on assets | 0.5798% | 5,209 |
| Return on Equity (ROE) | 5.8821% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.8821% | 2,773 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8803% | 2,202 |
| Assets per employee ($millions) | 5.6730% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 3,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 83.9641% | 217 |
| Net loans and leases to deposits | 93.5301% | 814 |
| Net loans and leases to core deposits | 96.8513% | 1,365 |
| Total domestic deposits to total assets | 89.7724% | 1,058 |
| Equity capital to assets | 10.0023% | 4,336 |
| Core capital (leverage) ratio | 10.0464% | 3,356 |
| Tier 1 risk-based capital ratio | 12.4042% | 5,640 |
| Total risk-based capital ratio | 13.6580% | 5,621 |
| Memoranda: | ||
| Average total assets | $79,342,000 | 5,454 |
| Average earning assets | $74,265,330 | 5,387 |
| Average equity | $7,820,330 | 5,629 |
| Average total loans | $68,198,000 | 4,480 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1264% | 1,501 |
| Cost of funding earning assets | 1.6333% | 161 |
| Net interest margin | 3.4931% | 4,741 |
| Noninterest income to average assets | 0.1009% | 6,745 |
| Noninterest expense to average assets | 2.5977% | 4,824 |
| Loan and lease loss provision to assets | 0.1917% | 3,034 |
| Net operating income to assets | 0.5801% | 4,441 |
| Return on assets (ROA) | 0.5801% | 4,663 |
| Pretax return on assets | 0.5801% | 5,186 |
| Return on Equity (ROE) | 5.9290% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.9290% | 3,001 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0958% | 2,633 |
| Assets per employee ($millions) | 5.6312% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 4,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 85.9952% | 120 |
| Net loans and leases to deposits | 95.6989% | 557 |
| Net loans and leases to core deposits | 100.0620% | 983 |
| Total domestic deposits to total assets | 89.8601% | 1,153 |
| Equity capital to assets | 9.9192% | 4,231 |
| Core capital (leverage) ratio | 9.8551% | 3,564 |
| Tier 1 risk-based capital ratio | 11.8032% | 6,084 |
| Total risk-based capital ratio | 13.0575% | 6,060 |
| Memoranda: | ||
| Average total assets | $79,302,000 | 5,499 |
| Average earning assets | $74,204,000 | 5,426 |
| Average equity | $7,758,500 | 5,672 |
| Average total loans | $68,439,500 | 4,503 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3571% | 1,545 |
| Cost of funding earning assets | 2.0542% | 77 |
| Net interest margin | 3.3029% | 5,796 |
| Noninterest income to average assets | 0.0633% | 6,780 |
| Noninterest expense to average assets | 2.5983% | 5,102 |
| Loan and lease loss provision to assets | 0.1509% | 4,734 |
| Net operating income to assets | 0.3976% | 4,875 |
| Return on assets (ROA) | 0.3976% | 5,048 |
| Pretax return on assets | 0.3976% | 5,304 |
| Return on Equity (ROE) | 3.9377% | 4,880 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,400 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5696% | 1,944 |
| Assets per employee ($millions) | 6.1359% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 4,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 84.0761% | 207 |
| Net loans and leases to deposits | 93.2430% | 866 |
| Net loans and leases to core deposits | 97.0087% | 1,411 |
| Total domestic deposits to total assets | 90.1689% | 897 |
| Equity capital to assets | 9.6494% | 4,675 |
| Core capital (leverage) ratio | 9.8142% | 3,572 |
| Tier 1 risk-based capital ratio | 11.8308% | 5,939 |
| Total risk-based capital ratio | 13.0835% | 5,922 |
| Memoranda: | ||
| Average total assets | $74,203,400 | 5,636 |
| Average earning assets | $69,272,000 | 5,566 |
| Average equity | $7,491,600 | 5,721 |
| Average total loans | $65,449,600 | 4,653 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4085% | 1,489 |
| Cost of funding earning assets | 2.0861% | 83 |
| Net interest margin | 3.3224% | 5,795 |
| Noninterest income to average assets | 0.0623% | 6,909 |
| Noninterest expense to average assets | 2.6204% | 5,002 |
| Loan and lease loss provision to assets | 0.1593% | 4,473 |
| Net operating income to assets | 0.3827% | 5,071 |
| Return on assets (ROA) | 0.3827% | 5,259 |
| Pretax return on assets | 0.3827% | 5,522 |
| Return on Equity (ROE) | 3.7453% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.7453% | 4,083 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8605% | 1,862 |
| Assets per employee ($millions) | 6.2299% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 4,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 88.2395% | 74 |
| Net loans and leases to deposits | 98.4935% | 550 |
| Net loans and leases to core deposits | 103.2638% | 1,018 |
| Total domestic deposits to total assets | 89.5892% | 1,099 |
| Equity capital to assets | 10.1767% | 4,123 |
| Core capital (leverage) ratio | 10.2408% | 3,141 |
| Tier 1 risk-based capital ratio | 11.8183% | 6,025 |
| Total risk-based capital ratio | 13.0718% | 6,007 |
| Memoranda: | ||
| Average total assets | $72,812,500 | 5,715 |
| Average earning assets | $67,940,500 | 5,654 |
| Average equity | $7,440,250 | 5,769 |
| Average total loans | $64,798,250 | 4,721 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4117% | 1,525 |
| Cost of funding earning assets | 2.1272% | 92 |
| Net interest margin | 3.2845% | 5,904 |
| Noninterest income to average assets | 0.0637% | 6,984 |
| Noninterest expense to average assets | 2.7438% | 4,649 |
| Loan and lease loss provision to assets | 0.1801% | 4,114 |
| Net operating income to assets | 0.1995% | 5,741 |
| Return on assets (ROA) | 0.1995% | 5,855 |
| Pretax return on assets | 0.1995% | 5,933 |
| Return on Equity (ROE) | 1.9501% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.9501% | 5,003 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8438% | 1,428 |
| Assets per employee ($millions) | 6.6560% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 4,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 87.9917% | 81 |
| Net loans and leases to deposits | 98.2552% | 584 |
| Net loans and leases to core deposits | 103.2072% | 1,102 |
| Total domestic deposits to total assets | 89.5542% | 1,216 |
| Equity capital to assets | 10.1863% | 3,892 |
| Core capital (leverage) ratio | 9.9573% | 3,316 |
| Tier 1 risk-based capital ratio | 12.0604% | 5,737 |
| Total risk-based capital ratio | 13.3136% | 5,704 |
| Memoranda: | ||
| Average total assets | $72,163,670 | 5,776 |
| Average earning assets | $67,224,330 | 5,722 |
| Average equity | $7,384,330 | 5,806 |
| Average total loans | $64,087,000 | 4,790 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 1,701 |
| Cost of funding earning assets | 2.0883% | 130 |
| Net interest margin | 3.2705% | 5,877 |
| Noninterest income to average assets | 0.0503% | 7,135 |
| Noninterest expense to average assets | 2.7248% | 4,736 |
| Loan and lease loss provision to assets | 0.2457% | 3,207 |
| Net operating income to assets | 0.1228% | 6,031 |
| Return on assets (ROA) | 0.1228% | 6,090 |
| Pretax return on assets | 0.1228% | 6,123 |
| Return on Equity (ROE) | 1.1977% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.1977% | 5,343 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0866% | 1,509 |
| Assets per employee ($millions) | 6.0796% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 4,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 86.3793% | 117 |
| Net loans and leases to deposits | 96.3637% | 668 |
| Net loans and leases to core deposits | 103.2118% | 1,118 |
| Total domestic deposits to total assets | 89.6388% | 1,398 |
| Equity capital to assets | 10.1117% | 3,638 |
| Core capital (leverage) ratio | 10.3808% | 2,721 |
| Tier 1 risk-based capital ratio | 12.1811% | 5,526 |
| Total risk-based capital ratio | 13.4344% | 5,516 |
| Memoranda: | ||
| Average total assets | $71,637,500 | 5,827 |
| Average earning assets | $66,656,500 | 5,783 |
| Average equity | $7,347,500 | 5,827 |
| Average total loans | $63,447,000 | 4,853 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4418% | 2,499 |
| Cost of funding earning assets | 2.1818% | 321 |
| Net interest margin | 3.2600% | 6,104 |
| Noninterest income to average assets | 0.0438% | 7,141 |
| Noninterest expense to average assets | 3.2485% | 2,919 |
| Loan and lease loss provision to assets | 0.4504% | 3,429 |
| Net operating income to assets | -0.6569% | 6,488 |
| Return on assets (ROA) | -0.6569% | 6,522 |
| Pretax return on assets | -0.6569% | 6,434 |
| Return on Equity (ROE) | -5.6702% | 6,477 |
| Retained earnings to average equity (ytd only) | -5.6702% | 6,353 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7866% | 607 |
| Assets per employee ($millions) | 6.3927% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 4,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 88.2765% | 93 |
| Net loans and leases to deposits | 98.7826% | 655 |
| Net loans and leases to core deposits | 109.6091% | 943 |
| Total domestic deposits to total assets | 89.3643% | 1,455 |
| Equity capital to assets | 10.4067% | 3,264 |
| Core capital (leverage) ratio | 10.3939% | 2,677 |
| Tier 1 risk-based capital ratio | 12.1758% | 5,308 |
| Total risk-based capital ratio | 13.4286% | 5,285 |
| Memoranda: | ||
| Average total assets | $63,938,000 | 6,061 |
| Average earning assets | $58,804,400 | 6,036 |
| Average equity | $7,407,200 | 5,908 |
| Average total loans | $56,940,600 | 5,202 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4029% | 2,867 |
| Cost of funding earning assets | 2.1635% | 427 |
| Net interest margin | 3.2394% | 6,209 |
| Noninterest income to average assets | 0.0385% | 7,329 |
| Noninterest expense to average assets | 3.4048% | 2,276 |
| Loan and lease loss provision to assets | 0.5368% | 2,791 |
| Net operating income to assets | -0.9346% | 6,865 |
| Return on assets (ROA) | -0.9346% | 6,908 |
| Pretax return on assets | -0.9346% | 6,824 |
| Return on Equity (ROE) | -7.8424% | 6,827 |
| Retained earnings to average equity (ytd only) | -7.8424% | 6,761 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2290% | 473 |
| Assets per employee ($millions) | 6.3004% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 4,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 85.8277% | 217 |
| Net loans and leases to deposits | 96.3022% | 945 |
| Net loans and leases to core deposits | 106.4555% | 1,289 |
| Total domestic deposits to total assets | 89.1233% | 1,330 |
| Equity capital to assets | 10.4828% | 3,542 |
| Core capital (leverage) ratio | 10.6681% | 2,537 |
| Tier 1 risk-based capital ratio | 12.3847% | 5,086 |
| Total risk-based capital ratio | 13.6377% | 5,058 |
| Memoranda: | ||
| Average total assets | $62,342,500 | 6,179 |
| Average earning assets | $57,128,750 | 6,162 |
| Average equity | $7,429,500 | 5,974 |
| Average total loans | $55,437,250 | 5,331 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3067% | 3,440 |
| Cost of funding earning assets | 2.0949% | 667 |
| Net interest margin | 3.2117% | 6,281 |
| Noninterest income to average assets | 0.0400% | 7,381 |
| Noninterest expense to average assets | 3.3888% | 2,294 |
| Loan and lease loss provision to assets | 0.4198% | 3,220 |
| Net operating income to assets | -0.8364% | 6,878 |
| Return on assets (ROA) | -0.8364% | 6,889 |
| Pretax return on assets | -0.8364% | 6,804 |
| Return on Equity (ROE) | -6.7073% | 6,818 |
| Retained earnings to average equity (ytd only) | -6.7073% | 6,717 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0135% | 493 |
| Assets per employee ($millions) | 5.9511% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 88.5674% | 106 |
| Net loans and leases to deposits | 100.1814% | 705 |
| Net loans and leases to core deposits | 110.9499% | 1,104 |
| Total domestic deposits to total assets | 88.4070% | 1,774 |
| Equity capital to assets | 11.3195% | 2,579 |
| Core capital (leverage) ratio | 12.2534% | 1,518 |
| Tier 1 risk-based capital ratio | 12.9711% | 4,474 |
| Total risk-based capital ratio | 14.2209% | 4,432 |
| Memoranda: | ||
| Average total assets | $60,022,000 | 6,302 |
| Average earning assets | $54,799,000 | 6,289 |
| Average equity | $7,484,330 | 5,975 |
| Average total loans | $53,808,670 | 5,435 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2808% | 3,640 |
| Cost of funding earning assets | 2.1568% | 675 |
| Net interest margin | 3.1240% | 6,535 |
| Noninterest income to average assets | 0.0349% | 7,536 |
| Noninterest expense to average assets | 3.4065% | 2,215 |
| Loan and lease loss provision to assets | 0.5305% | 2,379 |
| Net operating income to assets | -1.0610% | 7,145 |
| Return on assets (ROA) | -1.0610% | 7,163 |
| Pretax return on assets | -1.0610% | 7,080 |
| Return on Equity (ROE) | -8.0835% | 7,060 |
| Retained earnings to average equity (ytd only) | -8.0835% | 6,838 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.4466% | 460 |
| Assets per employee ($millions) | 5.0373% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 5,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 88.5453% | 108 |
| Net loans and leases to deposits | 101.3520% | 673 |
| Net loans and leases to core deposits | 112.4575% | 1,135 |
| Total domestic deposits to total assets | 87.3641% | 2,428 |
| Equity capital to assets | 12.3530% | 1,839 |
| Core capital (leverage) ratio | 13.2952% | 1,130 |
| Tier 1 risk-based capital ratio | 14.2655% | 3,505 |
| Total risk-based capital ratio | 15.5150% | 3,472 |
| Memoranda: | ||
| Average total assets | $57,302,000 | 6,496 |
| Average earning assets | $52,113,500 | 6,471 |
| Average equity | $7,521,500 | 6,007 |
| Average total loans | $51,366,000 | 5,613 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 5,173 |
| Cost of funding earning assets | 2.3876% | 1,342 |
| Net interest margin | 2.9120% | 6,841 |
| Noninterest income to average assets | 0.0479% | 7,511 |
| Noninterest expense to average assets | 4.3708% | 907 |
| Loan and lease loss provision to assets | 0.5518% | 3,611 |
| Net operating income to assets | -2.2914% | 7,195 |
| Return on assets (ROA) | -2.2914% | 7,196 |
| Pretax return on assets | -2.2914% | 7,060 |
| Return on Equity (ROE) | -12.6948% | 6,812 |
| Retained earnings to average equity (ytd only) | -12.6948% | 6,735 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.1179% | 235 |
| Assets per employee ($millions) | 4.5131% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 5,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 88.5444% | 149 |
| Net loans and leases to deposits | 104.4910% | 626 |
| Net loans and leases to core deposits | 148.1631% | 554 |
| Total domestic deposits to total assets | 84.7388% | 3,689 |
| Equity capital to assets | 13.9890% | 1,178 |
| Core capital (leverage) ratio | 14.2142% | 946 |
| Tier 1 risk-based capital ratio | 15.5402% | 2,699 |
| Total risk-based capital ratio | 16.7504% | 2,668 |
| Memoranda: | ||
| Average total assets | $43,858,800 | 6,946 |
| Average earning assets | $38,908,600 | 6,984 |
| Average equity | $7,916,600 | 5,955 |
| Average total loans | $37,439,400 | 6,228 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 5,987 |
| Cost of funding earning assets | 2.3897% | 1,667 |
| Net interest margin | 2.7856% | 7,081 |
| Noninterest income to average assets | 0.0420% | 7,678 |
| Noninterest expense to average assets | 4.7087% | 610 |
| Loan and lease loss provision to assets | 0.6330% | 2,862 |
| Net operating income to assets | -2.8452% | 7,556 |
| Return on assets (ROA) | -2.8452% | 7,558 |
| Pretax return on assets | -2.8452% | 7,459 |
| Return on Equity (ROE) | -14.6798% | 7,175 |
| Retained earnings to average equity (ytd only) | -14.6798% | 7,118 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.6158% | 173 |
| Assets per employee ($millions) | 4.3353% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 5,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 85.0204% | 436 |
| Net loans and leases to deposits | 100.1948% | 1,086 |
| Net loans and leases to core deposits | 138.7944% | 976 |
| Total domestic deposits to total assets | 84.8551% | 3,304 |
| Equity capital to assets | 14.7182% | 1,090 |
| Core capital (leverage) ratio | 16.0101% | 671 |
| Tier 1 risk-based capital ratio | 16.5585% | 2,405 |
| Total risk-based capital ratio | 17.7350% | 2,383 |
| Memoranda: | ||
| Average total assets | $41,284,250 | 7,095 |
| Average earning assets | $36,376,750 | 7,143 |
| Average equity | $8,001,750 | 5,980 |
| Average total loans | $34,663,500 | 6,414 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 6,484 |
| Cost of funding earning assets | 2.4098% | 1,929 |
| Net interest margin | 2.6776% | 7,248 |
| Noninterest income to average assets | 0.0424% | 7,774 |
| Noninterest expense to average assets | 5.1877% | 458 |
| Loan and lease loss provision to assets | 0.6259% | 2,552 |
| Net operating income to assets | -3.4373% | 7,757 |
| Return on assets (ROA) | -3.4373% | 7,757 |
| Pretax return on assets | -3.4373% | 7,668 |
| Return on Equity (ROE) | -15.9671% | 7,379 |
| Retained earnings to average equity (ytd only) | -15.9671% | 7,294 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 218.3036% | 165 |
| Assets per employee ($millions) | 3.6138% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 4,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 86.4687% | 335 |
| Net loans and leases to deposits | 106.1905% | 754 |
| Net loans and leases to core deposits | 151.9984% | 601 |
| Total domestic deposits to total assets | 81.4278% | 4,917 |
| Equity capital to assets | 18.0948% | 540 |
| Core capital (leverage) ratio | 20.2216% | 349 |
| Tier 1 risk-based capital ratio | 19.3090% | 1,718 |
| Total risk-based capital ratio | 20.4557% | 1,692 |
| Memoranda: | ||
| Average total assets | $37,704,330 | 7,303 |
| Average earning assets | $32,865,670 | 7,365 |
| Average equity | $8,116,670 | 5,977 |
| Average total loans | $31,293,000 | 6,652 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 6,684 |
| Cost of funding earning assets | 2.5442% | 1,757 |
| Net interest margin | 2.5442% | 7,450 |
| Noninterest income to average assets | 0.0459% | 7,857 |
| Noninterest expense to average assets | 5.5056% | 361 |
| Loan and lease loss provision to assets | 0.8488% | 1,534 |
| Net operating income to assets | -4.1177% | 7,989 |
| Return on assets (ROA) | -4.1177% | 7,984 |
| Pretax return on assets | -4.1177% | 7,919 |
| Return on Equity (ROE) | -17.4029% | 7,693 |
| Retained earnings to average equity (ytd only) | -17.4029% | 7,558 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 246.1538% | 129 |
| Assets per employee ($millions) | 2.9453% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 3,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 84.4330% | 628 |
| Net loans and leases to deposits | 110.3502% | 596 |
| Net loans and leases to core deposits | 157.9610% | 526 |
| Total domestic deposits to total assets | 76.5137% | 6,399 |
| Equity capital to assets | 22.9006% | 282 |
| Core capital (leverage) ratio | 23.8452% | 260 |
| Tier 1 risk-based capital ratio | 24.6026% | 1,012 |
| Total risk-based capital ratio | 25.8640% | 995 |
| Memoranda: | ||
| Average total assets | $34,873,500 | 7,452 |
| Average earning assets | $30,028,500 | 7,514 |
| Average equity | $8,251,500 | 5,970 |
| Average total loans | $27,957,500 | 6,888 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1903% | 8,080 |
| Cost of funding earning assets | 1.6517% | 7,350 |
| Net interest margin | 2.5385% | 7,709 |
| Noninterest income to average assets | 0.0291% | 7,987 |
| Noninterest expense to average assets | 10.1724% | 135 |
| Loan and lease loss provision to assets | 1.4473% | 946 |
| Net operating income to assets | -9.4238% | 8,251 |
| Return on assets (ROA) | -9.4238% | 8,247 |
| Pretax return on assets | -9.4238% | 8,236 |
| Return on Equity (ROE) | -25.3375% | 7,869 |
| Retained earnings to average equity (ytd only) | -25.3375% | 7,815 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 463.2576% | 52 |
| Assets per employee ($millions) | 3.1275% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 3,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.5488% | 3,220 |
| Net loans and leases to deposits | 97.9029% | 2,140 |
| Net loans and leases to core deposits | 136.8469% | 1,446 |
| Total domestic deposits to total assets | 75.1243% | 6,426 |
| Equity capital to assets | 24.4426% | 277 |
| Core capital (leverage) ratio | 29.8350% | 184 |
| Tier 1 risk-based capital ratio | 29.1170% | 691 |
| Total risk-based capital ratio | 30.3220% | 678 |
| Memoranda: | ||
| Average total assets | $24,045,500 | 7,870 |
| Average earning assets | $20,523,750 | 7,913 |
| Average equity | $8,943,250 | 5,755 |
| Average total loans | $15,033,500 | 7,647 |