Home > Huron Valley State Bank > Performance and Condition Ratios
Huron Valley State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3561% | 1,385 |
| Cost of funding earning assets | 1.2613% | 2,628 |
| Net interest margin | 4.0948% | 1,080 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.6586% | 1,851 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1032% | 1,915 |
| Return on assets (ROA) | 1.1032% | 1,882 |
| Pretax return on assets | 1.3959% | 1,644 |
| Return on Equity (ROE) | 12.2700% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.2543% | 739 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.0346% | 2,600 |
| Assets per employee ($millions) | 6.1128% | 2,723 |
| Cash dividends to net income (ytd only)* | 8.2439% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 1,648 |
| 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 | 75.3100% | 1,203 |
| Net loans and leases to deposits | 83.8247% | 1,796 |
| Net loans and leases to core deposits | 91.5122% | 1,946 |
| Total domestic deposits to total assets | 89.8500% | 800 |
| Equity capital to assets | 9.7966% | 2,126 |
| Core capital (leverage) ratio | 10.1119% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9723% | 1,539 |
| Memoranda: | ||
| Average total assets | $236,403,200 | 2,759 |
| Average earning assets | $227,385,600 | 2,701 |
| Average equity | $21,263,000 | 2,752 |
| Average total loans | $161,148,800 | 2,596 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2226% | 1,415 |
| Cost of funding earning assets | 1.2017% | 2,427 |
| Net interest margin | 4.0209% | 1,190 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.6617% | 1,764 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0641% | 2,174 |
| Return on assets (ROA) | 1.0641% | 2,162 |
| Pretax return on assets | 1.3460% | 1,910 |
| Return on Equity (ROE) | 12.0900% | 2,097 |
| Retained earnings to average equity (ytd only) | 11.4822% | 1,071 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.3162% | 2,351 |
| Assets per employee ($millions) | 6.4700% | 2,345 |
| Cash dividends to net income (ytd only)* | 5.0660% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 1,733 |
| 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 | 69.5900% | 1,876 |
| Net loans and leases to deposits | 76.8709% | 2,346 |
| Net loans and leases to core deposits | 83.7921% | 2,340 |
| Total domestic deposits to total assets | 90.5300% | 795 |
| Equity capital to assets | 9.0631% | 2,382 |
| Core capital (leverage) ratio | 9.6796% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0227% | 1,554 |
| Memoranda: | ||
| Average total assets | $237,432,750 | 2,762 |
| Average earning assets | $228,233,750 | 2,699 |
| Average equity | $20,889,750 | 2,774 |
| Average total loans | $157,110,750 | 2,627 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 1,458 |
| Cost of funding earning assets | 1.1208% | 2,215 |
| Net interest margin | 3.9320% | 1,362 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.6793% | 1,690 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9916% | 2,446 |
| Return on assets (ROA) | 0.9916% | 2,435 |
| Pretax return on assets | 1.2543% | 2,213 |
| Return on Equity (ROE) | 11.3900% | 2,331 |
| Retained earnings to average equity (ytd only) | 10.9015% | 1,204 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.2461% | 2,070 |
| Assets per employee ($millions) | 6.4884% | 2,300 |
| Cash dividends to net income (ytd only)* | 4.2589% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,314 |
| 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 | 63.3700% | 2,446 |
| Net loans and leases to deposits | 69.5366% | 2,822 |
| Net loans and leases to core deposits | 74.3118% | 2,861 |
| Total domestic deposits to total assets | 91.1300% | 613 |
| Equity capital to assets | 8.5886% | 2,792 |
| Core capital (leverage) ratio | 9.5484% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3953% | 1,456 |
| Memoranda: | ||
| Average total assets | $236,780,667 | 2,774 |
| Average earning assets | $227,518,667 | 2,714 |
| Average equity | $20,621,000 | 2,808 |
| Average total loans | $153,200,667 | 2,645 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9531% | 1,324 |
| Cost of funding earning assets | 1.0204% | 1,980 |
| Net interest margin | 3.9327% | 1,400 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.6581% | 1,778 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0091% | 2,503 |
| Return on assets (ROA) | 1.0091% | 2,467 |
| Pretax return on assets | 1.2765% | 2,237 |
| Return on Equity (ROE) | 11.5000% | 2,354 |
| Retained earnings to average equity (ytd only) | 11.0109% | 1,466 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6811% | 2,129 |
| Assets per employee ($millions) | 6.2011% | 2,580 |
| Cash dividends to net income (ytd only)* | 4.2735% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,216 |
| 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 | 63.0600% | 2,354 |
| Net loans and leases to deposits | 69.3632% | 2,665 |
| Net loans and leases to core deposits | 74.2511% | 2,658 |
| Total domestic deposits to total assets | 90.9100% | 827 |
| Equity capital to assets | 8.7680% | 2,684 |
| Core capital (leverage) ratio | 9.4907% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8021% | 1,416 |
| Memoranda: | ||
| Average total assets | $231,891,000 | 2,833 |
| Average earning assets | $223,051,500 | 2,779 |
| Average equity | $20,343,500 | 2,853 |
| Average total loans | $150,520,500 | 2,698 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 2,585 |
| Cost of funding earning assets | 0.2446% | 3,369 |
| Net interest margin | 3.4355% | 2,140 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.3796% | 2,477 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8543% | 3,135 |
| Return on assets (ROA) | 0.8543% | 3,071 |
| Pretax return on assets | 1.0816% | 2,830 |
| Return on Equity (ROE) | 10.7500% | 2,564 |
| Retained earnings to average equity (ytd only) | 1.9699% | 3,981 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.7673% | 1,992 |
| Assets per employee ($millions) | 6.0037% | 2,761 |
| Cash dividends to net income (ytd only)* | 81.6756% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 1,893 |
| 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 | 64.9700% | 2,145 |
| Net loans and leases to deposits | 71.3781% | 2,461 |
| Net loans and leases to core deposits | 74.8022% | 2,510 |
| Total domestic deposits to total assets | 91.0200% | 948 |
| Equity capital to assets | 8.7779% | 2,509 |
| Core capital (leverage) ratio | 8.6855% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2401% | 1,552 |
| Memoranda: | ||
| Average total assets | $238,904,800 | 2,783 |
| Average earning assets | $228,961,800 | 2,743 |
| Average equity | $18,985,400 | 3,039 |
| Average total loans | $141,132,200 | 2,714 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3123% | 3,148 |
| Cost of funding earning assets | 0.1336% | 4,002 |
| Net interest margin | 3.1787% | 2,686 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.2803% | 2,690 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.7373% | 3,457 |
| Return on assets (ROA) | 0.7373% | 3,402 |
| Pretax return on assets | 0.9332% | 3,226 |
| Return on Equity (ROE) | 9.5100% | 2,870 |
| Retained earnings to average equity (ytd only) | 7.3553% | 2,247 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.8799% | 1,777 |
| Assets per employee ($millions) | 7.6101% | 1,543 |
| Cash dividends to net income (ytd only)* | 22.6796% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,730 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 56.9800% | 2,797 |
| Net loans and leases to deposits | 61.8580% | 3,033 |
| Net loans and leases to core deposits | 65.5566% | 2,980 |
| Total domestic deposits to total assets | 92.1200% | 844 |
| Equity capital to assets | 7.6966% | 3,091 |
| Core capital (leverage) ratio | 8.2575% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0927% | 1,678 |
| Memoranda: | ||
| Average total assets | $241,595,750 | 2,795 |
| Average earning assets | $231,533,500 | 2,745 |
| Average equity | $18,725,250 | 3,095 |
| Average total loans | $138,873,750 | 2,739 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0432% | 3,445 |
| Cost of funding earning assets | 0.0927% | 4,268 |
| Net interest margin | 2.9505% | 3,031 |
| Noninterest income to average assets | 0.2108% | 3,941 |
| Noninterest expense to average assets | 2.2444% | 2,720 |
| Loan and lease loss provision to assets | 0.0498% | 1,688 |
| Net operating income to assets | 0.5885% | 3,659 |
| Return on assets (ROA) | 0.5885% | 3,606 |
| Pretax return on assets | 0.7445% | 3,466 |
| Return on Equity (ROE) | 7.5751% | 3,144 |
| Retained earnings to average equity (ytd only) | 4.3378% | 2,954 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8596% | 1,526 |
| Assets per employee ($millions) | 6.9635% | 1,963 |
| Cash dividends to net income (ytd only)* | 42.7362% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.1989% | 2,834 |
| Net loans and leases to deposits | 59.8206% | 3,060 |
| Net loans and leases to core deposits | 62.8818% | 3,041 |
| Total domestic deposits to total assets | 92.2740% | 735 |
| Equity capital to assets | 7.5536% | 3,433 |
| Core capital (leverage) ratio | 8.0329% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2235% | 1,648 |
| Memoranda: | ||
| Average total assets | $240,953,667 | 2,821 |
| Average earning assets | $230,942,667 | 2,788 |
| Average equity | $18,719,333 | 3,166 |
| Average total loans | $138,269,667 | 2,761 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9520% | 3,393 |
| Cost of funding earning assets | 0.0907% | 4,253 |
| Net interest margin | 2.8613% | 2,954 |
| Noninterest income to average assets | 0.2120% | 3,891 |
| Noninterest expense to average assets | 2.2641% | 2,638 |
| Loan and lease loss provision to assets | 0.0501% | 1,471 |
| Net operating income to assets | 0.5042% | 3,704 |
| Return on assets (ROA) | 0.5042% | 3,669 |
| Pretax return on assets | 0.6378% | 3,537 |
| Return on Equity (ROE) | 6.4003% | 3,217 |
| Retained earnings to average equity (ytd only) | 6.4003% | 2,108 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6968% | 1,451 |
| Assets per employee ($millions) | 7.1183% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 2,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.5984% | 2,467 |
| Net loans and leases to deposits | 61.4676% | 2,764 |
| Net loans and leases to core deposits | 64.2215% | 2,779 |
| Total domestic deposits to total assets | 92.0784% | 546 |
| Equity capital to assets | 7.7704% | 3,752 |
| Core capital (leverage) ratio | 8.1402% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1925% | 1,725 |
| Memoranda: | ||
| Average total assets | $239,568,500 | 2,848 |
| Average earning assets | $229,402,500 | 2,813 |
| Average equity | $18,874,000 | 3,245 |
| Average total loans | $139,191,500 | 2,757 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 2,576 |
| Cost of funding earning assets | 0.1583% | 3,886 |
| Net interest margin | 3.3723% | 2,106 |
| Noninterest income to average assets | 0.2883% | 3,667 |
| Noninterest expense to average assets | 2.1708% | 3,174 |
| Loan and lease loss provision to assets | 0.1098% | 1,148 |
| Net operating income to assets | 0.9675% | 2,805 |
| Return on assets (ROA) | 0.9675% | 2,866 |
| Pretax return on assets | 1.2243% | 2,588 |
| Return on Equity (ROE) | 11.5153% | 1,981 |
| Retained earnings to average equity (ytd only) | 7.7568% | 1,639 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9352% | 2,881 |
| Assets per employee ($millions) | 7.6489% | 1,526 |
| Cash dividends to net income (ytd only)* | 32.6395% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,303 |
| 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 | 58.0758% | 2,365 |
| Net loans and leases to deposits | 63.1788% | 2,765 |
| Net loans and leases to core deposits | 66.1604% | 2,807 |
| Total domestic deposits to total assets | 91.9229% | 198 |
| Equity capital to assets | 7.9885% | 4,367 |
| Core capital (leverage) ratio | 8.0825% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3668% | 1,721 |
| Memoranda: | ||
| Average total assets | $218,495,200 | 2,918 |
| Average earning assets | $208,403,000 | 2,889 |
| Average equity | $18,358,200 | 3,359 |
| Average total loans | $150,574,800 | 2,625 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 2,710 |
| Cost of funding earning assets | 0.1742% | 3,882 |
| Net interest margin | 3.3691% | 2,239 |
| Noninterest income to average assets | 0.2987% | 3,651 |
| Noninterest expense to average assets | 2.1804% | 3,136 |
| Loan and lease loss provision to assets | 0.1309% | 882 |
| Net operating income to assets | 0.9446% | 3,106 |
| Return on assets (ROA) | 0.9446% | 3,185 |
| Pretax return on assets | 1.1959% | 2,946 |
| Return on Equity (ROE) | 11.0912% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.2975% | 1,574 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1689% | 2,667 |
| Assets per employee ($millions) | 7.4256% | 1,608 |
| Cash dividends to net income (ytd only)* | 16.1716% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,854 |
| 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 | 63.0305% | 1,887 |
| Net loans and leases to deposits | 68.7430% | 2,363 |
| Net loans and leases to core deposits | 72.6773% | 2,355 |
| Total domestic deposits to total assets | 91.6901% | 189 |
| Equity capital to assets | 8.1896% | 4,413 |
| Core capital (leverage) ratio | 8.1915% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7072% | 1,723 |
| Memoranda: | ||
| Average total assets | $213,840,000 | 2,990 |
| Average earning assets | $203,647,000 | 2,953 |
| Average equity | $18,212,250 | 3,409 |
| Average total loans | $153,333,500 | 2,641 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 2,592 |
| Cost of funding earning assets | 0.1906% | 3,845 |
| Net interest margin | 3.4192% | 2,082 |
| Noninterest income to average assets | 0.3071% | 3,593 |
| Noninterest expense to average assets | 2.1978% | 3,099 |
| Loan and lease loss provision to assets | 0.1728% | 671 |
| Net operating income to assets | 0.9406% | 3,090 |
| Return on assets (ROA) | 0.9406% | 3,171 |
| Pretax return on assets | 1.1901% | 2,938 |
| Return on Equity (ROE) | 10.8895% | 2,460 |
| Retained earnings to average equity (ytd only) | 8.1671% | 2,016 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7251% | 2,770 |
| Assets per employee ($millions) | 6.7645% | 1,973 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,216 |
| 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 | 68.5422% | 1,379 |
| Net loans and leases to deposits | 74.7647% | 1,929 |
| Net loans and leases to core deposits | 79.1784% | 1,946 |
| Total domestic deposits to total assets | 91.6772% | 200 |
| Equity capital to assets | 8.2162% | 4,421 |
| Core capital (leverage) ratio | 8.5717% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4159% | 1,828 |
| Memoranda: | ||
| Average total assets | $208,388,333 | 3,027 |
| Average earning assets | $198,293,667 | 2,994 |
| Average equity | $17,999,000 | 3,425 |
| Average total loans | $155,479,333 | 2,632 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6647% | 2,460 |
| Cost of funding earning assets | 0.2156% | 3,768 |
| Net interest margin | 3.4492% | 1,962 |
| Noninterest income to average assets | 0.2787% | 3,737 |
| Noninterest expense to average assets | 2.1655% | 3,218 |
| Loan and lease loss provision to assets | 0.1791% | 693 |
| Net operating income to assets | 0.9594% | 2,934 |
| Return on assets (ROA) | 0.9594% | 3,029 |
| Pretax return on assets | 1.2141% | 2,807 |
| Return on Equity (ROE) | 10.8144% | 2,420 |
| Retained earnings to average equity (ytd only) | 10.8144% | 1,444 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8501% | 2,927 |
| Assets per employee ($millions) | 6.7643% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,663 |
| 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 | 75.8203% | 644 |
| Net loans and leases to deposits | 83.0364% | 1,245 |
| Net loans and leases to core deposits | 88.1807% | 1,354 |
| Total domestic deposits to total assets | 91.3096% | 291 |
| Equity capital to assets | 8.5950% | 4,051 |
| Core capital (leverage) ratio | 9.0712% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7924% | 1,357 |
| Memoranda: | ||
| Average total assets | $200,968,000 | 3,084 |
| Average earning assets | $191,119,500 | 3,049 |
| Average equity | $17,828,000 | 3,441 |
| Average total loans | $155,829,500 | 2,639 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,110 |
| Cost of funding earning assets | 0.4692% | 3,157 |
| Net interest margin | 3.7400% | 1,666 |
| Noninterest income to average assets | 0.3038% | 3,656 |
| Noninterest expense to average assets | 2.4581% | 2,962 |
| Loan and lease loss provision to assets | 0.2853% | 1,330 |
| Net operating income to assets | 0.8912% | 2,733 |
| Return on assets (ROA) | 0.8912% | 2,869 |
| Pretax return on assets | 1.1278% | 2,598 |
| Return on Equity (ROE) | 9.2657% | 2,291 |
| Retained earnings to average equity (ytd only) | 5.8107% | 1,891 |
| Net charge-offs to loans | 0.0990% | 1,481 |
| Credit loss provision to net charge-offs | 349.3151% | 1,582 |
| Earnings coverage of net charge-offs (x) | 17.3014% | 2,083 |
| Efficiency ratio | 63.4971% | 2,895 |
| Assets per employee ($millions) | 6.2014% | 2,164 |
| Cash dividends to net income (ytd only)* | 37.2881% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,660 |
| Loan loss allowance to noncurrent loans | 804.5455% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 3,793 |
| Noncurrent loans to loans | 0.1311% | 3,755 |
| Net loans and leases to total assets | 77.7106% | 624 |
| Net loans and leases to deposits | 85.6337% | 1,279 |
| Net loans and leases to core deposits | 92.3297% | 1,363 |
| Total domestic deposits to total assets | 90.7477% | 294 |
| Equity capital to assets | 9.1722% | 3,915 |
| Core capital (leverage) ratio | 9.0766% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7165% | 1,961 |
| Memoranda: | ||
| Average total assets | $178,753,200 | 3,115 |
| Average earning assets | $170,506,600 | 3,065 |
| Average equity | $17,192,400 | 3,438 |
| Average total loans | $147,521,400 | 2,680 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 1,987 |
| Cost of funding earning assets | 0.5223% | 3,097 |
| Net interest margin | 3.8198% | 1,564 |
| Noninterest income to average assets | 0.2957% | 3,712 |
| Noninterest expense to average assets | 2.5065% | 2,816 |
| Loan and lease loss provision to assets | 0.3649% | 1,020 |
| Net operating income to assets | 0.8469% | 2,920 |
| Return on assets (ROA) | 0.8469% | 3,044 |
| Pretax return on assets | 1.0719% | 2,849 |
| Return on Equity (ROE) | 8.6950% | 2,526 |
| Retained earnings to average equity (ytd only) | 7.5242% | 1,488 |
| Net charge-offs to loans | 0.1336% | 1,080 |
| Credit loss provision to net charge-offs | 326.5306% | 1,680 |
| Earnings coverage of net charge-offs (x) | 12.8571% | 2,226 |
| Efficiency ratio | 63.5628% | 2,807 |
| Assets per employee ($millions) | 6.2175% | 2,071 |
| Cash dividends to net income (ytd only)* | 13.4650% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,643 |
| Loan loss allowance to noncurrent loans | 784.9246% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 3,914 |
| Noncurrent loans to loans | 0.1291% | 3,870 |
| Net loans and leases to total assets | 79.1376% | 692 |
| Net loans and leases to deposits | 87.2824% | 1,559 |
| Net loans and leases to core deposits | 95.3868% | 1,514 |
| Total domestic deposits to total assets | 90.6685% | 242 |
| Equity capital to assets | 9.1261% | 4,018 |
| Core capital (leverage) ratio | 9.1113% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7918% | 1,895 |
| Memoranda: | ||
| Average total assets | $175,380,500 | 3,130 |
| Average earning assets | $167,473,750 | 3,082 |
| Average equity | $17,082,250 | 3,453 |
| Average total loans | $146,655,000 | 2,696 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 2,058 |
| Cost of funding earning assets | 0.5750% | 3,108 |
| Net interest margin | 3.8805% | 1,618 |
| Noninterest income to average assets | 0.3043% | 3,640 |
| Noninterest expense to average assets | 2.5897% | 2,696 |
| Loan and lease loss provision to assets | 0.3892% | 1,052 |
| Net operating income to assets | 0.8173% | 2,980 |
| Return on assets (ROA) | 0.8173% | 3,099 |
| Pretax return on assets | 1.0342% | 2,914 |
| Return on Equity (ROE) | 8.1949% | 2,666 |
| Retained earnings to average equity (ytd only) | 6.4211% | 1,894 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5313% | 2,743 |
| Assets per employee ($millions) | 6.3410% | 1,915 |
| Cash dividends to net income (ytd only)* | 21.6450% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 3,656 |
| Loan loss allowance to noncurrent loans | 80.0308% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0240% | 1,164 |
| Noncurrent loans to loans | 1.2273% | 1,276 |
| Net loans and leases to total assets | 82.6201% | 354 |
| Net loans and leases to deposits | 91.0043% | 1,267 |
| Net loans and leases to core deposits | 100.2468% | 1,245 |
| Total domestic deposits to total assets | 90.7870% | 201 |
| Equity capital to assets | 9.0190% | 4,077 |
| Core capital (leverage) ratio | 9.2988% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0067% | 2,179 |
| Memoranda: | ||
| Average total assets | $169,592,667 | 3,163 |
| Average earning assets | $162,094,333 | 3,116 |
| Average equity | $16,913,000 | 3,472 |
| Average total loans | $144,175,000 | 2,708 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 2,025 |
| Cost of funding earning assets | 0.6396% | 3,226 |
| Net interest margin | 3.9509% | 1,531 |
| Noninterest income to average assets | 0.3340% | 3,527 |
| Noninterest expense to average assets | 2.7902% | 2,457 |
| Loan and lease loss provision to assets | 0.0753% | 2,788 |
| Net operating income to assets | 0.9794% | 2,247 |
| Return on assets (ROA) | 0.9794% | 2,352 |
| Pretax return on assets | 1.2381% | 2,073 |
| Return on Equity (ROE) | 9.2907% | 1,997 |
| Retained earnings to average equity (ytd only) | 9.2907% | 898 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9927% | 2,667 |
| Assets per employee ($millions) | 5.4290% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,076 |
| Loan loss allowance to noncurrent loans | 158.9646% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 2,541 |
| Noncurrent loans to loans | 0.5718% | 2,566 |
| Net loans and leases to total assets | 84.2733% | 248 |
| Net loans and leases to deposits | 96.9527% | 821 |
| Net loans and leases to core deposits | 110.7555% | 812 |
| Total domestic deposits to total assets | 86.9221% | 1,592 |
| Equity capital to assets | 10.4353% | 3,378 |
| Core capital (leverage) ratio | 10.8473% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1666% | 2,632 |
| Memoranda: | ||
| Average total assets | $159,273,500 | 3,222 |
| Average earning assets | $151,965,500 | 3,171 |
| Average equity | $16,791,000 | 3,489 |
| Average total loans | $136,898,500 | 2,757 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 1,541 |
| Cost of funding earning assets | 0.7101% | 3,118 |
| Net interest margin | 4.2642% | 1,174 |
| Noninterest income to average assets | 0.3638% | 3,526 |
| Noninterest expense to average assets | 2.8348% | 2,493 |
| Loan and lease loss provision to assets | 0.0771% | 2,449 |
| Net operating income to assets | 1.1918% | 2,090 |
| Return on assets (ROA) | 1.1918% | 2,185 |
| Pretax return on assets | 1.4894% | 1,837 |
| Return on Equity (ROE) | 11.6594% | 1,637 |
| Retained earnings to average equity (ytd only) | 7.5402% | 1,147 |
| Net charge-offs to loans | 0.3083% | 673 |
| Credit loss provision to net charge-offs | 29.1971% | 3,275 |
| Earnings coverage of net charge-offs (x) | 5.9294% | 3,029 |
| Efficiency ratio | 64.4078% | 3,017 |
| Assets per employee ($millions) | 5.0218% | 2,568 |
| Cash dividends to net income (ytd only)* | 35.3290% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 3,921 |
| Loan loss allowance to noncurrent loans | 155.1768% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 2,380 |
| Noncurrent loans to loans | 0.5854% | 2,431 |
| Net loans and leases to total assets | 86.1097% | 159 |
| Net loans and leases to deposits | 96.5021% | 890 |
| Net loans and leases to core deposits | 110.2056% | 839 |
| Total domestic deposits to total assets | 89.2309% | 582 |
| Equity capital to assets | 10.6541% | 3,305 |
| Core capital (leverage) ratio | 10.4286% | 3,035 |
| Tier 1 risk-based capital ratio | 12.2240% | 4,231 |
| Total risk-based capital ratio | 13.1313% | 4,301 |
| Memoranda: | ||
| Average total assets | $155,564,800 | 3,235 |
| Average earning assets | $147,294,600 | 3,199 |
| Average equity | $15,901,400 | 3,553 |
| Average total loans | $133,309,000 | 2,789 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 1,617 |
| Cost of funding earning assets | 0.7082% | 3,171 |
| Net interest margin | 4.2637% | 1,240 |
| Noninterest income to average assets | 0.3515% | 3,625 |
| Noninterest expense to average assets | 2.8263% | 2,488 |
| Loan and lease loss provision to assets | 0.0772% | 2,359 |
| Net operating income to assets | 1.1830% | 2,256 |
| Return on assets (ROA) | 1.1830% | 2,340 |
| Pretax return on assets | 1.4787% | 2,025 |
| Return on Equity (ROE) | 11.6969% | 1,717 |
| Retained earnings to average equity (ytd only) | 7.4250% | 1,663 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4953% | 2,938 |
| Assets per employee ($millions) | 5.1436% | 2,405 |
| Cash dividends to net income (ytd only)* | 36.5216% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 83.0449% | 447 |
| Net loans and leases to deposits | 92.7231% | 1,349 |
| Net loans and leases to core deposits | 105.2499% | 1,240 |
| Total domestic deposits to total assets | 89.5623% | 427 |
| Equity capital to assets | 10.1893% | 3,835 |
| Core capital (leverage) ratio | 10.2691% | 3,339 |
| Tier 1 risk-based capital ratio | 11.9975% | 4,417 |
| Total risk-based capital ratio | 13.1886% | 4,336 |
| Memoranda: | ||
| Average total assets | $155,536,750 | 3,271 |
| Average earning assets | $147,036,000 | 3,237 |
| Average equity | $15,730,250 | 3,605 |
| Average total loans | $132,815,750 | 2,822 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9284% | 1,671 |
| Cost of funding earning assets | 0.6966% | 3,185 |
| Net interest margin | 4.2318% | 1,285 |
| Noninterest income to average assets | 0.3320% | 3,718 |
| Noninterest expense to average assets | 2.8126% | 2,542 |
| Loan and lease loss provision to assets | 0.0778% | 2,255 |
| Net operating income to assets | 1.1606% | 2,288 |
| Return on assets (ROA) | 1.1606% | 2,363 |
| Pretax return on assets | 1.4511% | 2,025 |
| Return on Equity (ROE) | 11.5053% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.6975% | 1,952 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7849% | 3,007 |
| Assets per employee ($millions) | 5.0794% | 2,377 |
| Cash dividends to net income (ytd only)* | 41.7877% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 2,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 85.0650% | 278 |
| Net loans and leases to deposits | 94.8794% | 1,166 |
| Net loans and leases to core deposits | 108.4592% | 1,066 |
| Total domestic deposits to total assets | 89.6559% | 427 |
| Equity capital to assets | 10.0748% | 3,914 |
| Core capital (leverage) ratio | 10.2795% | 3,307 |
| Tier 1 risk-based capital ratio | 11.6714% | 4,597 |
| Total risk-based capital ratio | 12.8369% | 4,534 |
| Memoranda: | ||
| Average total assets | $154,232,000 | 3,299 |
| Average earning assets | $146,133,000 | 3,261 |
| Average equity | $15,558,000 | 3,628 |
| Average total loans | $132,412,330 | 2,841 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 1,582 |
| Cost of funding earning assets | 0.6881% | 3,111 |
| Net interest margin | 4.2142% | 1,278 |
| Noninterest income to average assets | 0.2883% | 3,948 |
| Noninterest expense to average assets | 2.7756% | 2,659 |
| Loan and lease loss provision to assets | 0.0786% | 2,115 |
| Net operating income to assets | 1.1454% | 2,290 |
| Return on assets (ROA) | 1.1454% | 2,336 |
| Pretax return on assets | 1.4310% | 1,987 |
| Return on Equity (ROE) | 11.3470% | 1,810 |
| Retained earnings to average equity (ytd only) | 4.9854% | 2,917 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7706% | 3,120 |
| Assets per employee ($millions) | 5.1463% | 2,340 |
| Cash dividends to net income (ytd only)* | 56.0641% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 82.8271% | 491 |
| Net loans and leases to deposits | 92.3292% | 1,367 |
| Net loans and leases to core deposits | 108.0992% | 1,045 |
| Total domestic deposits to total assets | 89.7085% | 558 |
| Equity capital to assets | 10.0435% | 3,783 |
| Core capital (leverage) ratio | 10.3130% | 3,262 |
| Tier 1 risk-based capital ratio | 11.8258% | 4,550 |
| Total risk-based capital ratio | 13.0096% | 4,487 |
| Memoranda: | ||
| Average total assets | $152,617,000 | 3,357 |
| Average earning assets | $144,749,500 | 3,315 |
| Average equity | $15,405,000 | 3,656 |
| Average total loans | $130,856,000 | 2,895 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 1,363 |
| Cost of funding earning assets | 0.5753% | 2,885 |
| Net interest margin | 4.2964% | 1,167 |
| Noninterest income to average assets | 0.3072% | 4,061 |
| Noninterest expense to average assets | 2.7123% | 2,981 |
| Loan and lease loss provision to assets | 0.1237% | 1,783 |
| Net operating income to assets | 1.2053% | 2,147 |
| Return on assets (ROA) | 1.2053% | 2,139 |
| Pretax return on assets | 1.5255% | 1,694 |
| Return on Equity (ROE) | 12.0294% | 1,704 |
| Retained earnings to average equity (ytd only) | 9.6633% | 691 |
| Net charge-offs to loans | -0.0008% | 4,173 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1869% | 3,488 |
| Assets per employee ($millions) | 5.2016% | 2,265 |
| Cash dividends to net income (ytd only)* | 19.6693% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 2,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 86.6890% | 193 |
| Net loans and leases to deposits | 96.6775% | 1,006 |
| Net loans and leases to core deposits | 113.3380% | 809 |
| Total domestic deposits to total assets | 89.6682% | 587 |
| Equity capital to assets | 10.1455% | 3,529 |
| Core capital (leverage) ratio | 10.1194% | 3,433 |
| Tier 1 risk-based capital ratio | 11.4784% | 4,737 |
| Total risk-based capital ratio | 12.6200% | 4,688 |
| Memoranda: | ||
| Average total assets | $145,523,000 | 3,436 |
| Average earning assets | $137,324,000 | 3,395 |
| Average equity | $14,581,000 | 3,689 |
| Average total loans | $128,050,200 | 2,901 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 1,383 |
| Cost of funding earning assets | 0.5442% | 2,902 |
| Net interest margin | 4.2723% | 1,177 |
| Noninterest income to average assets | 0.3024% | 4,128 |
| Noninterest expense to average assets | 2.7084% | 2,955 |
| Loan and lease loss provision to assets | 0.1248% | 1,608 |
| Net operating income to assets | 1.1836% | 2,301 |
| Return on assets (ROA) | 1.1836% | 2,307 |
| Pretax return on assets | 1.4980% | 1,902 |
| Return on Equity (ROE) | 11.8513% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.2403% | 842 |
| Net charge-offs to loans | -0.0010% | 4,016 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5320% | 3,424 |
| Assets per employee ($millions) | 5.1147% | 2,323 |
| Cash dividends to net income (ytd only)* | 13.5935% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 86.1359% | 252 |
| Net loans and leases to deposits | 96.0710% | 1,149 |
| Net loans and leases to core deposits | 113.0108% | 867 |
| Total domestic deposits to total assets | 89.6585% | 617 |
| Equity capital to assets | 10.1015% | 3,541 |
| Core capital (leverage) ratio | 9.9637% | 3,675 |
| Tier 1 risk-based capital ratio | 11.4790% | 4,798 |
| Total risk-based capital ratio | 12.6098% | 4,755 |
| Memoranda: | ||
| Average total assets | $144,192,500 | 3,491 |
| Average earning assets | $135,972,250 | 3,453 |
| Average equity | $14,400,250 | 3,737 |
| Average total loans | $126,991,250 | 2,946 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 1,519 |
| Cost of funding earning assets | 0.4860% | 3,123 |
| Net interest margin | 4.2107% | 1,263 |
| Noninterest income to average assets | 0.2983% | 4,184 |
| Noninterest expense to average assets | 2.6874% | 3,055 |
| Loan and lease loss provision to assets | 0.1260% | 1,576 |
| Net operating income to assets | 1.1567% | 2,365 |
| Return on assets (ROA) | 1.1567% | 2,365 |
| Pretax return on assets | 1.4648% | 1,942 |
| Return on Equity (ROE) | 11.6289% | 1,861 |
| Retained earnings to average equity (ytd only) | 9.8128% | 982 |
| Net charge-offs to loans | -0.0016% | 3,923 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8151% | 3,514 |
| Assets per employee ($millions) | 5.2769% | 2,126 |
| Cash dividends to net income (ytd only)* | 15.6174% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 88.3711% | 124 |
| Net loans and leases to deposits | 98.3186% | 947 |
| Net loans and leases to core deposits | 118.7095% | 603 |
| Total domestic deposits to total assets | 89.8824% | 612 |
| Equity capital to assets | 9.8651% | 3,760 |
| Core capital (leverage) ratio | 10.2582% | 3,279 |
| Tier 1 risk-based capital ratio | 10.8970% | 5,111 |
| Total risk-based capital ratio | 11.9675% | 5,083 |
| Memoranda: | ||
| Average total assets | $142,815,000 | 3,531 |
| Average earning assets | $134,988,670 | 3,490 |
| Average equity | $14,206,000 | 3,774 |
| Average total loans | $126,243,000 | 2,964 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5972% | 1,583 |
| Cost of funding earning assets | 0.4365% | 3,320 |
| Net interest margin | 4.1607% | 1,270 |
| Noninterest income to average assets | 0.2993% | 4,161 |
| Noninterest expense to average assets | 2.7788% | 2,777 |
| Loan and lease loss provision to assets | 0.1283% | 1,471 |
| Net operating income to assets | 1.0517% | 2,638 |
| Return on assets (ROA) | 1.0517% | 2,650 |
| Pretax return on assets | 1.3310% | 2,245 |
| Return on Equity (ROE) | 10.5271% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.0736% | 1,807 |
| Net charge-offs to loans | -0.0032% | 3,894 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5683% | 3,240 |
| Assets per employee ($millions) | 4.9988% | 2,495 |
| Cash dividends to net income (ytd only)* | 23.3062% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,314 |
| Loan loss allowance to noncurrent loans | 8,656.2500% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 5,067 |
| Noncurrent loans to loans | 0.0128% | 4,942 |
| Net loans and leases to total assets | 88.1815% | 122 |
| Net loans and leases to deposits | 98.3560% | 835 |
| Net loans and leases to core deposits | 116.0478% | 725 |
| Total domestic deposits to total assets | 89.6554% | 810 |
| Equity capital to assets | 10.1167% | 3,482 |
| Core capital (leverage) ratio | 10.1998% | 3,305 |
| Tier 1 risk-based capital ratio | 11.1356% | 5,064 |
| Total risk-based capital ratio | 12.2275% | 5,041 |
| Memoranda: | ||
| Average total assets | $140,346,000 | 3,600 |
| Average earning assets | $132,862,500 | 3,551 |
| Average equity | $14,021,000 | 3,828 |
| Average total loans | $123,364,000 | 3,020 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 1,543 |
| Cost of funding earning assets | 0.4091% | 3,172 |
| Net interest margin | 4.1498% | 1,302 |
| Noninterest income to average assets | 0.3650% | 3,857 |
| Noninterest expense to average assets | 2.6943% | 3,141 |
| Loan and lease loss provision to assets | 0.0874% | 2,439 |
| Net operating income to assets | 0.9136% | 2,638 |
| Return on assets (ROA) | 0.9136% | 2,666 |
| Pretax return on assets | 1.5155% | 1,579 |
| Return on Equity (ROE) | 9.4182% | 2,132 |
| Retained earnings to average equity (ytd only) | 8.1715% | 703 |
| Net charge-offs to loans | -0.0033% | 4,581 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6992% | 3,831 |
| Assets per employee ($millions) | 5.0259% | 2,447 |
| Cash dividends to net income (ytd only)* | 13.2376% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,369 |
| Loan loss allowance to noncurrent loans | 4,617.2414% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,049 |
| Noncurrent loans to loans | 0.0238% | 4,910 |
| Net loans and leases to total assets | 85.6841% | 280 |
| Net loans and leases to deposits | 95.2486% | 1,152 |
| Net loans and leases to core deposits | 112.8108% | 852 |
| Total domestic deposits to total assets | 89.9584% | 582 |
| Equity capital to assets | 9.8646% | 3,855 |
| Core capital (leverage) ratio | 9.6445% | 3,873 |
| Tier 1 risk-based capital ratio | 11.4690% | 4,871 |
| Total risk-based capital ratio | 12.5782% | 4,841 |
| Memoranda: | ||
| Average total assets | $137,251,800 | 3,645 |
| Average earning assets | $130,054,200 | 3,586 |
| Average equity | $13,314,600 | 3,940 |
| Average total loans | $120,423,000 | 3,056 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 1,578 |
| Cost of funding earning assets | 0.4036% | 3,155 |
| Net interest margin | 4.1194% | 1,336 |
| Noninterest income to average assets | 0.3715% | 3,869 |
| Noninterest expense to average assets | 2.7070% | 3,043 |
| Loan and lease loss provision to assets | 0.0880% | 2,326 |
| Net operating income to assets | 0.9903% | 2,597 |
| Return on assets (ROA) | 0.9903% | 2,654 |
| Pretax return on assets | 1.4781% | 1,851 |
| Return on Equity (ROE) | 10.2532% | 2,012 |
| Retained earnings to average equity (ytd only) | 8.9779% | 845 |
| Net charge-offs to loans | -0.0044% | 4,434 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3493% | 3,662 |
| Assets per employee ($millions) | 5.2137% | 2,213 |
| Cash dividends to net income (ytd only)* | 12.4386% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,582 |
| Loan loss allowance to noncurrent loans | 2,845.6522% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 5,070 |
| Noncurrent loans to loans | 0.0381% | 4,948 |
| Net loans and leases to total assets | 84.8229% | 355 |
| Net loans and leases to deposits | 94.1227% | 1,293 |
| Net loans and leases to core deposits | 114.2991% | 823 |
| Total domestic deposits to total assets | 90.1194% | 435 |
| Equity capital to assets | 9.7350% | 4,216 |
| Core capital (leverage) ratio | 9.7595% | 3,871 |
| Tier 1 risk-based capital ratio | 11.0161% | 5,238 |
| Total risk-based capital ratio | 12.0734% | 5,248 |
| Memoranda: | ||
| Average total assets | $136,383,500 | 3,699 |
| Average earning assets | $129,173,500 | 3,630 |
| Average equity | $13,172,750 | 4,004 |
| Average total loans | $120,049,250 | 3,083 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 1,571 |
| Cost of funding earning assets | 0.3921% | 3,145 |
| Net interest margin | 4.0883% | 1,360 |
| Noninterest income to average assets | 0.3632% | 3,960 |
| Noninterest expense to average assets | 2.7394% | 2,959 |
| Loan and lease loss provision to assets | 0.0889% | 2,204 |
| Net operating income to assets | 0.9472% | 2,676 |
| Return on assets (ROA) | 0.9472% | 2,734 |
| Pretax return on assets | 1.4142% | 1,956 |
| Return on Equity (ROE) | 9.8340% | 2,112 |
| Retained earnings to average equity (ytd only) | 7.8949% | 1,210 |
| Net charge-offs to loans | -0.0050% | 4,339 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5702% | 3,576 |
| Assets per employee ($millions) | 4.7958% | 2,658 |
| Cash dividends to net income (ytd only)* | 19.7183% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,863 |
| Loan loss allowance to noncurrent loans | 2,457.6923% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 5,105 |
| Noncurrent loans to loans | 0.0426% | 4,984 |
| Net loans and leases to total assets | 86.8347% | 219 |
| Net loans and leases to deposits | 96.2180% | 1,053 |
| Net loans and leases to core deposits | 118.5267% | 616 |
| Total domestic deposits to total assets | 90.2479% | 446 |
| Equity capital to assets | 9.5781% | 4,339 |
| Core capital (leverage) ratio | 9.5518% | 4,068 |
| Tier 1 risk-based capital ratio | 10.9364% | 5,282 |
| Total risk-based capital ratio | 11.9913% | 5,292 |
| Memoranda: | ||
| Average total assets | $134,921,000 | 3,742 |
| Average earning assets | $128,023,000 | 3,670 |
| Average equity | $12,995,670 | 4,039 |
| Average total loans | $119,827,330 | 3,097 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 1,691 |
| Cost of funding earning assets | 0.3456% | 3,579 |
| Net interest margin | 4.0399% | 1,369 |
| Noninterest income to average assets | 0.3704% | 3,887 |
| Noninterest expense to average assets | 2.7822% | 2,852 |
| Loan and lease loss provision to assets | 0.0903% | 2,036 |
| Net operating income to assets | 0.8943% | 2,792 |
| Return on assets (ROA) | 0.8943% | 2,837 |
| Pretax return on assets | 1.3339% | 2,123 |
| Return on Equity (ROE) | 9.2574% | 2,292 |
| Retained earnings to average equity (ytd only) | 5.3300% | 2,716 |
| Net charge-offs to loans | -0.0067% | 4,276 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1417% | 3,471 |
| Assets per employee ($millions) | 5.1490% | 2,246 |
| Cash dividends to net income (ytd only)* | 42.4242% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 4,131 |
| Loan loss allowance to noncurrent loans | 605.3398% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 4,664 |
| Noncurrent loans to loans | 0.1693% | 4,514 |
| Net loans and leases to total assets | 86.6173% | 180 |
| Net loans and leases to deposits | 95.6207% | 966 |
| Net loans and leases to core deposits | 118.2238% | 518 |
| Total domestic deposits to total assets | 90.5843% | 437 |
| Equity capital to assets | 9.2999% | 4,513 |
| Core capital (leverage) ratio | 9.9215% | 3,602 |
| Tier 1 risk-based capital ratio | 10.5039% | 5,537 |
| Total risk-based capital ratio | 11.5195% | 5,571 |
| Memoranda: | ||
| Average total assets | $132,842,500 | 3,798 |
| Average earning assets | $126,140,500 | 3,735 |
| Average equity | $12,833,000 | 4,083 |
| Average total loans | $118,718,000 | 3,128 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 1,650 |
| Cost of funding earning assets | 0.3171% | 3,880 |
| Net interest margin | 4.1445% | 1,257 |
| Noninterest income to average assets | 0.4497% | 3,547 |
| Noninterest expense to average assets | 2.8267% | 2,935 |
| Loan and lease loss provision to assets | 0.1016% | 2,344 |
| Net operating income to assets | 0.9531% | 2,566 |
| Return on assets (ROA) | 0.9531% | 2,675 |
| Pretax return on assets | 1.4434% | 1,772 |
| Return on Equity (ROE) | 9.5850% | 2,152 |
| Retained earnings to average equity (ytd only) | 7.6549% | 975 |
| Net charge-offs to loans | 0.0767% | 2,600 |
| Credit loss provision to net charge-offs | 148.8095% | 1,840 |
| Earnings coverage of net charge-offs (x) | 22.6190% | 1,722 |
| Efficiency ratio | 64.6577% | 3,826 |
| Assets per employee ($millions) | 4.6912% | 2,806 |
| Cash dividends to net income (ytd only)* | 20.1365% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 4,014 |
| Loan loss allowance to noncurrent loans | 710.5263% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,772 |
| Noncurrent loans to loans | 0.1477% | 4,644 |
| Net loans and leases to total assets | 90.4423% | 62 |
| Net loans and leases to deposits | 100.6900% | 629 |
| Net loans and leases to core deposits | 116.7973% | 582 |
| Total domestic deposits to total assets | 89.8225% | 714 |
| Equity capital to assets | 10.0559% | 3,666 |
| Core capital (leverage) ratio | 9.9776% | 3,507 |
| Tier 1 risk-based capital ratio | 10.9167% | 5,386 |
| Total risk-based capital ratio | 11.9599% | 5,396 |
| Memoranda: | ||
| Average total assets | $122,972,000 | 3,944 |
| Average earning assets | $116,371,200 | 3,894 |
| Average equity | $12,227,400 | 4,217 |
| Average total loans | $109,503,000 | 3,219 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,741 |
| Cost of funding earning assets | 0.3187% | 3,884 |
| Net interest margin | 4.1177% | 1,348 |
| Noninterest income to average assets | 0.4490% | 3,566 |
| Noninterest expense to average assets | 2.8731% | 2,730 |
| Loan and lease loss provision to assets | 0.1038% | 2,190 |
| Net operating income to assets | 0.9034% | 2,888 |
| Return on assets (ROA) | 0.9034% | 3,029 |
| Pretax return on assets | 1.3677% | 2,164 |
| Return on Equity (ROE) | 9.1127% | 2,441 |
| Retained earnings to average equity (ytd only) | 6.5122% | 1,906 |
| Net charge-offs to loans | 0.0902% | 2,064 |
| Credit loss provision to net charge-offs | 130.1370% | 1,973 |
| Earnings coverage of net charge-offs (x) | 18.4523% | 1,993 |
| Efficiency ratio | 66.1302% | 3,569 |
| Assets per employee ($millions) | 4.3272% | 3,372 |
| Cash dividends to net income (ytd only)* | 28.5370% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,980 |
| Loan loss allowance to noncurrent loans | 515.5172% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 4,697 |
| Noncurrent loans to loans | 0.2087% | 4,521 |
| Net loans and leases to total assets | 87.6491% | 157 |
| Net loans and leases to deposits | 97.4303% | 906 |
| Net loans and leases to core deposits | 111.3969% | 842 |
| Total domestic deposits to total assets | 89.9609% | 496 |
| Equity capital to assets | 9.8965% | 4,244 |
| Core capital (leverage) ratio | 9.8303% | 3,773 |
| Tier 1 risk-based capital ratio | 10.9136% | 5,415 |
| Total risk-based capital ratio | 11.9692% | 5,424 |
| Memoranda: | ||
| Average total assets | $122,049,500 | 3,982 |
| Average earning assets | $115,467,250 | 3,929 |
| Average equity | $12,100,000 | 4,275 |
| Average total loans | $107,936,000 | 3,254 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 1,712 |
| Cost of funding earning assets | 0.3251% | 3,845 |
| Net interest margin | 4.1147% | 1,331 |
| Noninterest income to average assets | 0.4748% | 3,371 |
| Noninterest expense to average assets | 2.8965% | 2,684 |
| Loan and lease loss provision to assets | 0.1075% | 2,065 |
| Net operating income to assets | 0.9015% | 2,857 |
| Return on assets (ROA) | 0.9015% | 2,988 |
| Pretax return on assets | 1.3647% | 2,150 |
| Return on Equity (ROE) | 9.0881% | 2,461 |
| Retained earnings to average equity (ytd only) | 6.1532% | 2,035 |
| Net charge-offs to loans | -0.0056% | 4,557 |
| Credit loss provision to net charge-offs | -2,166.6667% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3006% | 3,630 |
| Assets per employee ($millions) | 4.5114% | 3,000 |
| Cash dividends to net income (ytd only)* | 32.2936% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,628 |
| Loan loss allowance to noncurrent loans | 389.3417% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 4,487 |
| Noncurrent loans to loans | 0.2960% | 4,311 |
| Net loans and leases to total assets | 84.3379% | 395 |
| Net loans and leases to deposits | 93.5370% | 1,335 |
| Net loans and leases to core deposits | 107.6036% | 1,058 |
| Total domestic deposits to total assets | 90.1653% | 427 |
| Equity capital to assets | 9.6566% | 4,607 |
| Core capital (leverage) ratio | 9.9875% | 3,577 |
| Tier 1 risk-based capital ratio | 11.0197% | 5,415 |
| Total risk-based capital ratio | 12.1472% | 5,402 |
| Memoranda: | ||
| Average total assets | $120,903,000 | 4,025 |
| Average earning assets | $114,418,000 | 3,971 |
| Average equity | $11,993,670 | 4,317 |
| Average total loans | $106,852,670 | 3,291 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 1,388 |
| Cost of funding earning assets | 0.3355% | 3,774 |
| Net interest margin | 4.2080% | 1,079 |
| Noninterest income to average assets | 0.4636% | 3,392 |
| Noninterest expense to average assets | 2.8427% | 2,912 |
| Loan and lease loss provision to assets | 0.1184% | 1,783 |
| Net operating income to assets | 0.9848% | 2,347 |
| Return on assets (ROA) | 0.9848% | 2,462 |
| Pretax return on assets | 1.4924% | 1,621 |
| Return on Equity (ROE) | 9.7885% | 2,080 |
| Retained earnings to average equity (ytd only) | 6.2229% | 2,270 |
| Net charge-offs to loans | -0.0075% | 4,415 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8298% | 4,153 |
| Assets per employee ($millions) | 4.8188% | 2,553 |
| Cash dividends to net income (ytd only)* | 36.4261% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 3,860 |
| Loan loss allowance to noncurrent loans | 293.2203% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 4,187 |
| Noncurrent loans to loans | 0.3869% | 4,053 |
| Net loans and leases to total assets | 87.5961% | 141 |
| Net loans and leases to deposits | 97.5476% | 798 |
| Net loans and leases to core deposits | 113.7022% | 682 |
| Total domestic deposits to total assets | 89.7983% | 678 |
| Equity capital to assets | 9.9626% | 4,128 |
| Core capital (leverage) ratio | 10.0787% | 3,441 |
| Tier 1 risk-based capital ratio | 10.8843% | 5,560 |
| Total risk-based capital ratio | 11.9872% | 5,552 |
| Memoranda: | ||
| Average total assets | $118,195,500 | 4,115 |
| Average earning assets | $112,072,000 | 4,041 |
| Average equity | $11,891,500 | 4,347 |
| Average total loans | $106,391,000 | 3,304 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 1,438 |
| Cost of funding earning assets | 0.3086% | 4,159 |
| Net interest margin | 4.2500% | 1,068 |
| Noninterest income to average assets | 0.4840% | 3,441 |
| Noninterest expense to average assets | 2.9337% | 2,751 |
| Loan and lease loss provision to assets | 0.0831% | 2,630 |
| Net operating income to assets | 0.9948% | 2,389 |
| Return on assets (ROA) | 0.9948% | 2,484 |
| Pretax return on assets | 1.4742% | 1,637 |
| Return on Equity (ROE) | 9.5313% | 2,205 |
| Retained earnings to average equity (ytd only) | 8.3366% | 815 |
| Net charge-offs to loans | -0.0053% | 4,989 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3229% | 4,022 |
| Assets per employee ($millions) | 4.8300% | 2,560 |
| Cash dividends to net income (ytd only)* | 12.5348% | 4,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 4,012 |
| Loan loss allowance to noncurrent loans | 288.4521% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 4,182 |
| Noncurrent loans to loans | 0.3838% | 4,075 |
| Net loans and leases to total assets | 90.4668% | 53 |
| Net loans and leases to deposits | 102.8097% | 497 |
| Net loans and leases to core deposits | 112.5710% | 744 |
| Total domestic deposits to total assets | 87.9944% | 1,637 |
| Equity capital to assets | 10.1630% | 3,790 |
| Core capital (leverage) ratio | 10.2329% | 3,218 |
| Tier 1 risk-based capital ratio | 10.6272% | 5,714 |
| Total risk-based capital ratio | 11.6882% | 5,722 |
| Memoranda: | ||
| Average total assets | $108,261,000 | 4,289 |
| Average earning assets | $102,070,800 | 4,239 |
| Average equity | $11,299,600 | 4,426 |
| Average total loans | $95,097,600 | 3,472 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 1,461 |
| Cost of funding earning assets | 0.3061% | 4,264 |
| Net interest margin | 4.2418% | 1,074 |
| Noninterest income to average assets | 0.4902% | 3,437 |
| Noninterest expense to average assets | 2.9801% | 2,587 |
| Loan and lease loss provision to assets | 0.0564% | 3,062 |
| Net operating income to assets | 0.9792% | 2,576 |
| Return on assets (ROA) | 0.9792% | 2,653 |
| Pretax return on assets | 1.4493% | 1,831 |
| Return on Equity (ROE) | 9.3147% | 2,410 |
| Retained earnings to average equity (ytd only) | 8.5275% | 1,049 |
| Net charge-offs to loans | -0.0087% | 4,944 |
| Credit loss provision to net charge-offs | -750.0000% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4338% | 3,813 |
| Assets per employee ($millions) | 4.6910% | 2,723 |
| Cash dividends to net income (ytd only)* | 8.4509% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 3,928 |
| Loan loss allowance to noncurrent loans | 265.8824% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 4,256 |
| Noncurrent loans to loans | 0.4325% | 4,056 |
| Net loans and leases to total assets | 86.2741% | 213 |
| Net loans and leases to deposits | 97.2779% | 884 |
| Net loans and leases to core deposits | 104.1419% | 1,221 |
| Total domestic deposits to total assets | 88.6883% | 1,185 |
| Equity capital to assets | 10.2706% | 3,851 |
| Core capital (leverage) ratio | 10.5528% | 2,984 |
| Tier 1 risk-based capital ratio | 11.0377% | 5,639 |
| Total risk-based capital ratio | 12.1197% | 5,646 |
| Memoranda: | ||
| Average total assets | $106,346,000 | 4,375 |
| Average earning assets | $100,174,000 | 4,327 |
| Average equity | $11,179,250 | 4,498 |
| Average total loans | $92,361,000 | 3,568 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 1,495 |
| Cost of funding earning assets | 0.3058% | 4,335 |
| Net interest margin | 4.2055% | 1,102 |
| Noninterest income to average assets | 0.5294% | 3,175 |
| Noninterest expense to average assets | 3.0038% | 2,541 |
| Loan and lease loss provision to assets | 0.0575% | 2,948 |
| Net operating income to assets | 0.9629% | 2,571 |
| Return on assets (ROA) | 0.9629% | 2,682 |
| Pretax return on assets | 1.4252% | 1,886 |
| Return on Equity (ROE) | 9.0849% | 2,489 |
| Retained earnings to average equity (ytd only) | 7.9086% | 1,304 |
| Net charge-offs to loans | -0.0111% | 4,955 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9517% | 3,845 |
| Assets per employee ($millions) | 4.2608% | 3,371 |
| Cash dividends to net income (ytd only)* | 12.9482% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 3,802 |
| Loan loss allowance to noncurrent loans | 269.0821% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 4,346 |
| Noncurrent loans to loans | 0.4452% | 4,142 |
| Net loans and leases to total assets | 86.2466% | 226 |
| Net loans and leases to deposits | 96.6869% | 897 |
| Net loans and leases to core deposits | 103.2944% | 1,239 |
| Total domestic deposits to total assets | 89.2019% | 1,048 |
| Equity capital to assets | 10.5859% | 3,346 |
| Core capital (leverage) ratio | 10.7782% | 2,644 |
| Tier 1 risk-based capital ratio | 11.5089% | 5,460 |
| Total risk-based capital ratio | 12.6490% | 5,456 |
| Memoranda: | ||
| Average total assets | $104,267,000 | 4,461 |
| Average earning assets | $98,109,000 | 4,421 |
| Average equity | $11,051,330 | 4,554 |
| Average total loans | $90,394,670 | 3,626 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 1,449 |
| Cost of funding earning assets | 0.3093% | 4,336 |
| Net interest margin | 4.1944% | 1,074 |
| Noninterest income to average assets | 0.5197% | 3,152 |
| Noninterest expense to average assets | 3.0327% | 2,476 |
| Loan and lease loss provision to assets | 0.0582% | 2,770 |
| Net operating income to assets | 0.9308% | 2,606 |
| Return on assets (ROA) | 0.9308% | 2,731 |
| Pretax return on assets | 1.3729% | 1,985 |
| Return on Equity (ROE) | 8.7759% | 2,559 |
| Retained earnings to average equity (ytd only) | 6.7282% | 2,134 |
| Net charge-offs to loans | -0.0135% | 4,858 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9409% | 3,836 |
| Assets per employee ($millions) | 4.3418% | 3,303 |
| Cash dividends to net income (ytd only)* | 23.3333% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 3,819 |
| Loan loss allowance to noncurrent loans | 263.7019% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 4,431 |
| Noncurrent loans to loans | 0.4638% | 4,189 |
| Net loans and leases to total assets | 85.0159% | 246 |
| Net loans and leases to deposits | 96.5559% | 795 |
| Net loans and leases to core deposits | 101.9096% | 1,186 |
| Total domestic deposits to total assets | 88.0484% | 1,793 |
| Equity capital to assets | 10.5888% | 3,441 |
| Core capital (leverage) ratio | 10.5345% | 2,916 |
| Tier 1 risk-based capital ratio | 11.3901% | 5,611 |
| Total risk-based capital ratio | 12.5379% | 5,579 |
| Memoranda: | ||
| Average total assets | $103,141,000 | 4,524 |
| Average earning assets | $96,986,500 | 4,484 |
| Average equity | $10,939,000 | 4,608 |
| Average total loans | $89,100,500 | 3,668 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 1,948 |
| Cost of funding earning assets | 0.3045% | 4,749 |
| Net interest margin | 4.1772% | 1,363 |
| Noninterest income to average assets | 0.4785% | 3,658 |
| Noninterest expense to average assets | 3.0304% | 2,756 |
| Loan and lease loss provision to assets | 0.1728% | 1,501 |
| Net operating income to assets | 0.7539% | 3,612 |
| Return on assets (ROA) | 0.7539% | 3,711 |
| Pretax return on assets | 1.1969% | 2,664 |
| Return on Equity (ROE) | 6.8926% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.6437% | 1,574 |
| Net charge-offs to loans | -0.0088% | 5,536 |
| Credit loss provision to net charge-offs | -2,357.1429% | 5,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8720% | 3,741 |
| Assets per employee ($millions) | 4.2533% | 3,447 |
| Cash dividends to net income (ytd only)* | 3.6111% | 4,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 3,889 |
| Loan loss allowance to noncurrent loans | 836.4341% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 5,527 |
| Noncurrent loans to loans | 0.1457% | 5,309 |
| Net loans and leases to total assets | 85.6551% | 232 |
| Net loans and leases to deposits | 97.3436% | 804 |
| Net loans and leases to core deposits | 103.2071% | 1,173 |
| Total domestic deposits to total assets | 87.9925% | 1,778 |
| Equity capital to assets | 10.6232% | 3,328 |
| Core capital (leverage) ratio | 10.7685% | 2,653 |
| Tier 1 risk-based capital ratio | 11.7125% | 5,538 |
| Total risk-based capital ratio | 12.8827% | 5,494 |
| Memoranda: | ||
| Average total assets | $95,498,200 | 4,704 |
| Average earning assets | $89,652,800 | 4,661 |
| Average equity | $10,446,000 | 4,666 |
| Average total loans | $79,363,000 | 3,892 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 2,270 |
| Cost of funding earning assets | 0.2982% | 4,904 |
| Net interest margin | 4.0873% | 1,619 |
| Noninterest income to average assets | 0.5072% | 3,496 |
| Noninterest expense to average assets | 3.0785% | 2,532 |
| Loan and lease loss provision to assets | 0.1705% | 1,443 |
| Net operating income to assets | 0.6890% | 4,000 |
| Return on assets (ROA) | 0.6890% | 4,088 |
| Pretax return on assets | 1.0939% | 3,213 |
| Return on Equity (ROE) | 6.2499% | 4,103 |
| Retained earnings to average equity (ytd only) | 6.0051% | 2,405 |
| Net charge-offs to loans | -0.0138% | 5,510 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8865% | 3,360 |
| Assets per employee ($millions) | 4.2556% | 3,373 |
| Cash dividends to net income (ytd only)* | 3.9171% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 4,104 |
| Loan loss allowance to noncurrent loans | 253.6765% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 4,667 |
| Noncurrent loans to loans | 0.4831% | 4,459 |
| Net loans and leases to total assets | 85.2246% | 247 |
| Net loans and leases to deposits | 97.2067% | 780 |
| Net loans and leases to core deposits | 102.0791% | 1,208 |
| Total domestic deposits to total assets | 87.6736% | 1,939 |
| Equity capital to assets | 10.8460% | 3,133 |
| Core capital (leverage) ratio | 11.2777% | 2,237 |
| Tier 1 risk-based capital ratio | 12.2016% | 5,369 |
| Total risk-based capital ratio | 13.3963% | 5,318 |
| Memoranda: | ||
| Average total assets | $93,853,250 | 4,807 |
| Average earning assets | $88,076,000 | 4,745 |
| Average equity | $10,346,500 | 4,722 |
| Average total loans | $77,075,250 | 3,991 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 2,510 |
| Cost of funding earning assets | 0.2948% | 5,019 |
| Net interest margin | 4.0277% | 1,734 |
| Noninterest income to average assets | 0.3891% | 4,321 |
| Noninterest expense to average assets | 3.0612% | 2,627 |
| Loan and lease loss provision to assets | 0.1621% | 1,528 |
| Net operating income to assets | 0.5967% | 4,369 |
| Return on assets (ROA) | 0.5967% | 4,467 |
| Pretax return on assets | 0.9469% | 3,693 |
| Return on Equity (ROE) | 5.3819% | 4,493 |
| Retained earnings to average equity (ytd only) | 5.1284% | 2,881 |
| Net charge-offs to loans | -0.0134% | 5,406 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4059% | 3,084 |
| Assets per employee ($millions) | 3.8934% | 4,073 |
| Cash dividends to net income (ytd only)* | 4.7101% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 4,007 |
| Loan loss allowance to noncurrent loans | 240.1460% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 4,688 |
| Noncurrent loans to loans | 0.5303% | 4,424 |
| Net loans and leases to total assets | 81.8923% | 477 |
| Net loans and leases to deposits | 92.3754% | 1,110 |
| Net loans and leases to core deposits | 96.8645% | 1,530 |
| Total domestic deposits to total assets | 88.6517% | 1,566 |
| Equity capital to assets | 11.1429% | 2,740 |
| Core capital (leverage) ratio | 11.3486% | 2,119 |
| Tier 1 risk-based capital ratio | 12.9169% | 4,964 |
| Total risk-based capital ratio | 14.1465% | 4,914 |
| Memoranda: | ||
| Average total assets | $92,511,330 | 4,856 |
| Average earning assets | $86,848,330 | 4,809 |
| Average equity | $10,256,670 | 4,752 |
| Average total loans | $74,616,330 | 4,086 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 2,709 |
| Cost of funding earning assets | 0.2985% | 5,081 |
| Net interest margin | 3.9451% | 1,943 |
| Noninterest income to average assets | 0.3390% | 4,664 |
| Noninterest expense to average assets | 3.0593% | 2,658 |
| Loan and lease loss provision to assets | 0.1956% | 1,201 |
| Net operating income to assets | 0.5128% | 4,624 |
| Return on assets (ROA) | 0.5128% | 4,701 |
| Pretax return on assets | 0.8170% | 4,043 |
| Return on Equity (ROE) | 4.6370% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.3619% | 3,509 |
| Net charge-offs to loans | -0.0055% | 4,843 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1334% | 2,941 |
| Assets per employee ($millions) | 4.0124% | 3,925 |
| Cash dividends to net income (ytd only)* | 5.9322% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,384 |
| Loan loss allowance to noncurrent loans | 680.7143% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 5,782 |
| Noncurrent loans to loans | 0.1835% | 5,547 |
| Net loans and leases to total assets | 81.6525% | 381 |
| Net loans and leases to deposits | 92.0454% | 950 |
| Net loans and leases to core deposits | 95.3461% | 1,440 |
| Total domestic deposits to total assets | 88.7089% | 1,830 |
| Equity capital to assets | 11.0939% | 2,631 |
| Core capital (leverage) ratio | 11.1553% | 2,263 |
| Tier 1 risk-based capital ratio | 13.1434% | 4,927 |
| Total risk-based capital ratio | 14.3693% | 4,875 |
| Memoranda: | ||
| Average total assets | $92,046,500 | 4,913 |
| Average earning assets | $87,096,000 | 4,843 |
| Average equity | $10,179,000 | 4,782 |
| Average total loans | $73,170,500 | 4,161 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 3,205 |
| Cost of funding earning assets | 0.3339% | 5,292 |
| Net interest margin | 3.9037% | 2,272 |
| Noninterest income to average assets | 0.4026% | 4,424 |
| Noninterest expense to average assets | 3.1089% | 2,708 |
| Loan and lease loss provision to assets | 0.0352% | 4,415 |
| Net operating income to assets | 0.6173% | 4,177 |
| Return on assets (ROA) | 0.6173% | 4,290 |
| Pretax return on assets | 0.9354% | 3,614 |
| Return on Equity (ROE) | 5.3526% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.0880% | 2,534 |
| Net charge-offs to loans | 0.0949% | 3,897 |
| Credit loss provision to net charge-offs | 50.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | 13.7833% | 1,992 |
| Efficiency ratio | 76.2083% | 2,740 |
| Assets per employee ($millions) | 3.9917% | 3,883 |
| Cash dividends to net income (ytd only)* | 4.9430% | 4,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 4,169 |
| Loan loss allowance to noncurrent loans | 638.7324% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 5,852 |
| Noncurrent loans to loans | 0.2028% | 5,582 |
| Net loans and leases to total assets | 75.2963% | 1,184 |
| Net loans and leases to deposits | 84.7583% | 1,830 |
| Net loans and leases to core deposits | 87.8028% | 2,264 |
| Total domestic deposits to total assets | 88.8365% | 1,729 |
| Equity capital to assets | 11.0230% | 2,588 |
| Core capital (leverage) ratio | 11.2904% | 2,132 |
| Tier 1 risk-based capital ratio | 14.0137% | 4,286 |
| Total risk-based capital ratio | 15.2631% | 4,223 |
| Memoranda: | ||
| Average total assets | $85,206,800 | 5,106 |
| Average earning assets | $80,256,200 | 5,029 |
| Average equity | $9,827,000 | 4,889 |
| Average total loans | $63,211,800 | 4,508 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 3,263 |
| Cost of funding earning assets | 0.3449% | 5,340 |
| Net interest margin | 3.8874% | 2,321 |
| Noninterest income to average assets | 0.4213% | 4,360 |
| Noninterest expense to average assets | 3.1818% | 2,415 |
| Loan and lease loss provision to assets | 0.0479% | 4,056 |
| Net operating income to assets | 0.5569% | 4,546 |
| Return on assets (ROA) | 0.5569% | 4,698 |
| Pretax return on assets | 0.8425% | 4,131 |
| Return on Equity (ROE) | 4.7707% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.5110% | 3,464 |
| Net charge-offs to loans | 0.1474% | 3,068 |
| Credit loss provision to net charge-offs | 44.1176% | 3,630 |
| Earnings coverage of net charge-offs (x) | 8.2063% | 2,661 |
| Efficiency ratio | 78.1348% | 2,401 |
| Assets per employee ($millions) | 3.9435% | 3,955 |
| Cash dividends to net income (ytd only)* | 5.4436% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 4,163 |
| Loan loss allowance to noncurrent loans | 624.3056% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 5,942 |
| Noncurrent loans to loans | 0.2155% | 5,696 |
| Net loans and leases to total assets | 75.9970% | 1,006 |
| Net loans and leases to deposits | 86.0316% | 1,611 |
| Net loans and leases to core deposits | 89.3218% | 2,041 |
| Total domestic deposits to total assets | 88.3363% | 1,925 |
| Equity capital to assets | 11.4436% | 2,338 |
| Core capital (leverage) ratio | 11.4468% | 2,085 |
| Tier 1 risk-based capital ratio | 14.2525% | 4,251 |
| Total risk-based capital ratio | 15.5154% | 4,186 |
| Memoranda: | ||
| Average total assets | $83,556,500 | 5,202 |
| Average earning assets | $78,474,750 | 5,120 |
| Average equity | $9,753,750 | 4,962 |
| Average total loans | $61,506,000 | 4,600 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 3,459 |
| Cost of funding earning assets | 0.3562% | 5,344 |
| Net interest margin | 3.8179% | 2,484 |
| Noninterest income to average assets | 0.3564% | 4,837 |
| Noninterest expense to average assets | 3.1907% | 2,375 |
| Loan and lease loss provision to assets | 0.0727% | 3,585 |
| Net operating income to assets | 0.4485% | 5,018 |
| Return on assets (ROA) | 0.4485% | 5,190 |
| Pretax return on assets | 0.6789% | 4,749 |
| Return on Equity (ROE) | 3.8161% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.5480% | 4,059 |
| Net charge-offs to loans | 0.2344% | 2,317 |
| Credit loss provision to net charge-offs | 42.8571% | 3,363 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 3,135 |
| Efficiency ratio | 80.9348% | 2,032 |
| Assets per employee ($millions) | 3.8271% | 4,154 |
| Cash dividends to net income (ytd only)* | 7.0270% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 3,866 |
| Loan loss allowance to noncurrent loans | 230.5913% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 4,693 |
| Noncurrent loans to loans | 0.6225% | 4,696 |
| Net loans and leases to total assets | 73.1543% | 1,381 |
| Net loans and leases to deposits | 82.9513% | 1,933 |
| Net loans and leases to core deposits | 85.5637% | 2,378 |
| Total domestic deposits to total assets | 88.1895% | 2,115 |
| Equity capital to assets | 11.5884% | 2,229 |
| Core capital (leverage) ratio | 11.3499% | 2,061 |
| Tier 1 risk-based capital ratio | 14.5548% | 4,066 |
| Total risk-based capital ratio | 15.8054% | 4,035 |
| Memoranda: | ||
| Average total assets | $82,490,000 | 5,261 |
| Average earning assets | $77,478,000 | 5,184 |
| Average equity | $9,695,670 | 5,013 |
| Average total loans | $59,731,000 | 4,684 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 3,542 |
| Cost of funding earning assets | 0.3714% | 5,353 |
| Net interest margin | 3.7719% | 2,555 |
| Noninterest income to average assets | 0.3185% | 5,144 |
| Noninterest expense to average assets | 3.2436% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4018% | 5,128 |
| Return on assets (ROA) | 0.4018% | 5,270 |
| Pretax return on assets | 0.6076% | 4,916 |
| Return on Equity (ROE) | 3.3937% | 5,394 |
| Retained earnings to average equity (ytd only) | 3.1040% | 4,417 |
| Net charge-offs to loans | -0.0411% | 6,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2239% | 1,735 |
| Assets per employee ($millions) | 3.8180% | 4,321 |
| Cash dividends to net income (ytd only)* | 8.5366% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 3,576 |
| Loan loss allowance to noncurrent loans | 157.6923% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7119% | 4,596 |
| Noncurrent loans to loans | 0.9889% | 4,154 |
| Net loans and leases to total assets | 70.8668% | 1,536 |
| Net loans and leases to deposits | 80.2865% | 2,039 |
| Net loans and leases to core deposits | 83.3931% | 2,408 |
| Total domestic deposits to total assets | 88.2674% | 2,153 |
| Equity capital to assets | 11.5326% | 2,380 |
| Core capital (leverage) ratio | 11.7344% | 1,721 |
| Tier 1 risk-based capital ratio | 14.8148% | 3,956 |
| Total risk-based capital ratio | 16.0815% | 3,915 |
| Memoranda: | ||
| Average total assets | $81,637,000 | 5,328 |
| Average earning assets | $76,459,500 | 5,254 |
| Average equity | $9,665,000 | 5,076 |
| Average total loans | $58,351,500 | 4,765 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 3,137 |
| Cost of funding earning assets | 0.4970% | 5,239 |
| Net interest margin | 4.0698% | 2,121 |
| Noninterest income to average assets | 0.3737% | 4,808 |
| Noninterest expense to average assets | 3.2109% | 2,573 |
| Loan and lease loss provision to assets | 0.1735% | 3,451 |
| Net operating income to assets | 1.5400% | 847 |
| Return on assets (ROA) | 1.5400% | 930 |
| Pretax return on assets | 0.8034% | 4,279 |
| Return on Equity (ROE) | 12.9274% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.4681% | 290 |
| Net charge-offs to loans | -0.0110% | 6,474 |
| Credit loss provision to net charge-offs | -2,166.6667% | 6,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6730% | 2,641 |
| Assets per employee ($millions) | 3.7751% | 4,415 |
| Cash dividends to net income (ytd only)* | 3.5529% | 4,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 3,057 |
| Loan loss allowance to noncurrent loans | 185.5446% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 4,878 |
| Noncurrent loans to loans | 0.8980% | 4,387 |
| Net loans and leases to total assets | 69.7516% | 1,893 |
| Net loans and leases to deposits | 79.5572% | 2,348 |
| Net loans and leases to core deposits | 83.4785% | 2,608 |
| Total domestic deposits to total assets | 87.6749% | 2,429 |
| Equity capital to assets | 12.1637% | 1,935 |
| Core capital (leverage) ratio | 12.4416% | 1,345 |
| Tier 1 risk-based capital ratio | 15.8329% | 3,254 |
| Total risk-based capital ratio | 17.0856% | 3,207 |
| Memoranda: | ||
| Average total assets | $74,933,000 | 5,485 |
| Average earning assets | $70,224,400 | 5,423 |
| Average equity | $8,926,800 | 5,244 |
| Average total loans | $54,788,200 | 4,908 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 3,049 |
| Cost of funding earning assets | 0.5205% | 5,303 |
| Net interest margin | 4.1220% | 2,017 |
| Noninterest income to average assets | 0.3719% | 4,854 |
| Noninterest expense to average assets | 3.2318% | 2,477 |
| Loan and lease loss provision to assets | 0.2347% | 2,698 |
| Net operating income to assets | 0.7800% | 3,545 |
| Return on assets (ROA) | 0.7800% | 3,790 |
| Pretax return on assets | 0.7800% | 4,563 |
| Return on Equity (ROE) | 6.5844% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.5844% | 2,339 |
| Net charge-offs to loans | 0.0024% | 5,737 |
| Credit loss provision to net charge-offs | 13,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 563.3910% | 78 |
| Efficiency ratio | 76.1054% | 2,665 |
| Assets per employee ($millions) | 3.9155% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 3,161 |
| Loan loss allowance to noncurrent loans | 182.7112% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 4,979 |
| Noncurrent loans to loans | 0.9292% | 4,573 |
| Net loans and leases to total assets | 72.3862% | 1,484 |
| Net loans and leases to deposits | 82.5315% | 2,048 |
| Net loans and leases to core deposits | 86.4035% | 2,414 |
| Total domestic deposits to total assets | 87.7073% | 2,222 |
| Equity capital to assets | 12.0628% | 2,203 |
| Core capital (leverage) ratio | 11.6977% | 1,846 |
| Tier 1 risk-based capital ratio | 15.5180% | 3,522 |
| Total risk-based capital ratio | 16.7577% | 3,494 |
| Memoranda: | ||
| Average total assets | $73,847,000 | 5,576 |
| Average earning assets | $69,414,500 | 5,513 |
| Average equity | $8,747,750 | 5,340 |
| Average total loans | $54,426,750 | 4,977 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 3,091 |
| Cost of funding earning assets | 0.5429% | 5,348 |
| Net interest margin | 4.1179% | 2,021 |
| Noninterest income to average assets | 0.3530% | 5,012 |
| Noninterest expense to average assets | 3.2146% | 2,542 |
| Loan and lease loss provision to assets | 0.2444% | 2,619 |
| Net operating income to assets | 0.7656% | 3,530 |
| Return on assets (ROA) | 0.7656% | 3,798 |
| Pretax return on assets | 0.7656% | 4,585 |
| Return on Equity (ROE) | 6.5034% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.5034% | 2,381 |
| Net charge-offs to loans | -0.0810% | 6,806 |
| Credit loss provision to net charge-offs | -409.0909% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0925% | 2,729 |
| Assets per employee ($millions) | 4.0768% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 3,293 |
| Loan loss allowance to noncurrent loans | 142.6563% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8262% | 4,740 |
| Noncurrent loans to loans | 1.1814% | 4,180 |
| Net loans and leases to total assets | 68.7568% | 2,151 |
| Net loans and leases to deposits | 77.7731% | 2,710 |
| Net loans and leases to core deposits | 82.5145% | 2,898 |
| Total domestic deposits to total assets | 88.4069% | 1,879 |
| Equity capital to assets | 11.3672% | 2,722 |
| Core capital (leverage) ratio | 11.7263% | 1,769 |
| Tier 1 risk-based capital ratio | 15.4578% | 3,472 |
| Total risk-based capital ratio | 16.7207% | 3,425 |
| Memoranda: | ||
| Average total assets | $73,664,670 | 5,612 |
| Average earning assets | $69,258,000 | 5,552 |
| Average equity | $8,672,330 | 5,364 |
| Average total loans | $54,308,670 | 5,018 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 3,018 |
| Cost of funding earning assets | 0.5635% | 5,404 |
| Net interest margin | 4.1459% | 1,952 |
| Noninterest income to average assets | 0.3400% | 5,136 |
| Noninterest expense to average assets | 3.3442% | 2,159 |
| Loan and lease loss provision to assets | 0.2229% | 2,720 |
| Net operating income to assets | 0.6688% | 4,037 |
| Return on assets (ROA) | 0.6688% | 4,251 |
| Pretax return on assets | 0.6688% | 4,890 |
| Return on Equity (ROE) | 5.5775% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.5775% | 3,219 |
| Net charge-offs to loans | -0.1545% | 6,926 |
| Credit loss provision to net charge-offs | -190.4762% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9474% | 2,362 |
| Assets per employee ($millions) | 3.8353% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 3,812 |
| Loan loss allowance to noncurrent loans | 133.0247% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 4,751 |
| Noncurrent loans to loans | 1.1867% | 4,351 |
| Net loans and leases to total assets | 73.7533% | 1,103 |
| Net loans and leases to deposits | 83.9317% | 1,670 |
| Net loans and leases to core deposits | 88.6835% | 1,981 |
| Total domestic deposits to total assets | 87.8729% | 2,411 |
| Equity capital to assets | 11.8993% | 2,112 |
| Core capital (leverage) ratio | 12.0759% | 1,546 |
| Tier 1 risk-based capital ratio | 15.0648% | 3,716 |
| Total risk-based capital ratio | 16.3171% | 3,674 |
| Memoranda: | ||
| Average total assets | $71,767,000 | 5,722 |
| Average earning assets | $67,439,500 | 5,643 |
| Average equity | $8,606,000 | 5,399 |
| Average total loans | $54,377,000 | 5,050 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 2,291 |
| Cost of funding earning assets | 0.7679% | 5,076 |
| Net interest margin | 4.3716% | 1,473 |
| Noninterest income to average assets | 0.3300% | 5,180 |
| Noninterest expense to average assets | 3.4326% | 2,162 |
| Loan and lease loss provision to assets | 0.4904% | 2,157 |
| Net operating income to assets | 0.5013% | 4,421 |
| Return on assets (ROA) | 0.5013% | 4,630 |
| Pretax return on assets | 0.5013% | 4,988 |
| Return on Equity (ROE) | 4.7156% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.7156% | 2,845 |
| Net charge-offs to loans | 0.6160% | 2,606 |
| Credit loss provision to net charge-offs | 99.0566% | 3,616 |
| Earnings coverage of net charge-offs (x) | 2.0031% | 4,278 |
| Efficiency ratio | 77.5862% | 2,648 |
| Assets per employee ($millions) | 3.5332% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,114 |
| Loan loss allowance to noncurrent loans | 121.5478% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 4,739 |
| Noncurrent loans to loans | 1.2170% | 4,332 |
| Net loans and leases to total assets | 75.4939% | 1,023 |
| Net loans and leases to deposits | 86.0130% | 1,667 |
| Net loans and leases to core deposits | 90.2763% | 2,083 |
| Total domestic deposits to total assets | 87.7703% | 2,299 |
| Equity capital to assets | 12.0868% | 2,052 |
| Core capital (leverage) ratio | 12.1553% | 1,518 |
| Tier 1 risk-based capital ratio | 15.2241% | 3,497 |
| Total risk-based capital ratio | 16.4788% | 3,454 |
| Memoranda: | ||
| Average total assets | $64,236,200 | 5,915 |
| Average earning assets | $60,161,000 | 5,861 |
| Average equity | $6,828,400 | 5,918 |
| Average total loans | $51,626,800 | 5,208 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 2,276 |
| Cost of funding earning assets | 0.8196% | 5,012 |
| Net interest margin | 4.3621% | 1,523 |
| Noninterest income to average assets | 0.3257% | 5,263 |
| Noninterest expense to average assets | 3.5041% | 1,925 |
| Loan and lease loss provision to assets | 0.5003% | 1,984 |
| Net operating income to assets | 0.4002% | 5,004 |
| Return on assets (ROA) | 0.4002% | 5,187 |
| Pretax return on assets | 0.4002% | 5,473 |
| Return on Equity (ROE) | 3.9164% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.9164% | 3,933 |
| Net charge-offs to loans | 0.3007% | 3,589 |
| Credit loss provision to net charge-offs | 204.3478% | 1,434 |
| Earnings coverage of net charge-offs (x) | 3.6783% | 3,340 |
| Efficiency ratio | 79.5553% | 2,327 |
| Assets per employee ($millions) | 3.6235% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 3,082 |
| Loan loss allowance to noncurrent loans | 84.0000% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.5978% | 3,690 |
| Noncurrent loans to loans | 2.0907% | 3,257 |
| Net loans and leases to total assets | 75.0806% | 1,129 |
| Net loans and leases to deposits | 85.8638% | 1,705 |
| Net loans and leases to core deposits | 90.2630% | 2,216 |
| Total domestic deposits to total assets | 87.4415% | 2,384 |
| Equity capital to assets | 12.2375% | 2,063 |
| Core capital (leverage) ratio | 12.2689% | 1,548 |
| Tier 1 risk-based capital ratio | 15.4172% | 3,428 |
| Total risk-based capital ratio | 16.6731% | 3,400 |
| Memoranda: | ||
| Average total assets | $62,629,250 | 6,014 |
| Average earning assets | $58,564,000 | 5,954 |
| Average equity | $6,400,250 | 6,085 |
| Average total loans | $50,996,500 | 5,277 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 2,330 |
| Cost of funding earning assets | 0.8598% | 4,983 |
| Net interest margin | 4.3237% | 1,583 |
| Noninterest income to average assets | 0.3303% | 5,251 |
| Noninterest expense to average assets | 3.5306% | 1,911 |
| Loan and lease loss provision to assets | 0.4459% | 2,200 |
| Net operating income to assets | 0.3897% | 4,995 |
| Return on assets (ROA) | 0.3897% | 5,136 |
| Pretax return on assets | 0.3897% | 5,422 |
| Return on Equity (ROE) | 4.1220% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.1220% | 3,576 |
| Net charge-offs to loans | 0.4558% | 2,755 |
| Credit loss provision to net charge-offs | 117.3913% | 2,619 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 3,735 |
| Efficiency ratio | 80.8623% | 2,256 |
| Assets per employee ($millions) | 3.3557% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 3,809 |
| Loan loss allowance to noncurrent loans | 53.4371% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.4185% | 2,739 |
| Noncurrent loans to loans | 2.9447% | 2,469 |
| Net loans and leases to total assets | 80.8372% | 463 |
| Net loans and leases to deposits | 89.1559% | 1,361 |
| Net loans and leases to core deposits | 94.7741% | 1,817 |
| Total domestic deposits to total assets | 90.6696% | 649 |
| Equity capital to assets | 9.0607% | 5,494 |
| Core capital (leverage) ratio | 9.1094% | 4,550 |
| Tier 1 risk-based capital ratio | 10.5661% | 6,766 |
| Total risk-based capital ratio | 11.8356% | 6,754 |
| Memoranda: | ||
| Average total assets | $60,557,000 | 6,122 |
| Average earning assets | $56,525,670 | 6,071 |
| Average equity | $5,725,330 | 6,309 |
| Average total loans | $50,457,330 | 5,336 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2838% | 1,921 |
| Cost of funding earning assets | 0.8734% | 5,103 |
| Net interest margin | 4.4104% | 1,254 |
| Noninterest income to average assets | 0.3121% | 5,433 |
| Noninterest expense to average assets | 3.5348% | 1,923 |
| Loan and lease loss provision to assets | 0.4071% | 2,152 |
| Net operating income to assets | 0.4817% | 4,565 |
| Return on assets (ROA) | 0.4817% | 4,647 |
| Pretax return on assets | 0.4817% | 5,082 |
| Return on Equity (ROE) | 4.9829% | 4,416 |
| Retained earnings to average equity (ytd only) | 4.9829% | 3,205 |
| Net charge-offs to loans | 0.2505% | 3,083 |
| Credit loss provision to net charge-offs | 193.5484% | 1,530 |
| Earnings coverage of net charge-offs (x) | 4.2258% | 2,539 |
| Efficiency ratio | 79.9080% | 2,550 |
| Assets per employee ($millions) | 3.3122% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 3,436 |
| Loan loss allowance to noncurrent loans | 106.6581% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 4,347 |
| Noncurrent loans to loans | 1.5686% | 4,125 |
| Net loans and leases to total assets | 82.1148% | 340 |
| Net loans and leases to deposits | 91.0911% | 1,109 |
| Net loans and leases to core deposits | 97.2855% | 1,578 |
| Total domestic deposits to total assets | 90.1458% | 1,064 |
| Equity capital to assets | 9.6261% | 4,280 |
| Core capital (leverage) ratio | 9.6688% | 3,571 |
| Tier 1 risk-based capital ratio | 11.2026% | 6,347 |
| Total risk-based capital ratio | 12.4665% | 6,305 |
| Memoranda: | ||
| Average total assets | $58,956,000 | 6,223 |
| Average earning assets | $54,960,500 | 6,166 |
| Average equity | $5,699,500 | 6,336 |
| Average total loans | $49,503,500 | 5,419 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5696% | 2,010 |
| Cost of funding earning assets | 1.1099% | 5,086 |
| Net interest margin | 4.4597% | 1,322 |
| Noninterest income to average assets | 0.2807% | 5,767 |
| Noninterest expense to average assets | 3.5313% | 2,096 |
| Loan and lease loss provision to assets | 0.4710% | 3,312 |
| Net operating income to assets | 0.3897% | 4,589 |
| Return on assets (ROA) | 0.3897% | 4,735 |
| Pretax return on assets | 0.3897% | 4,980 |
| Return on Equity (ROE) | 3.8283% | 4,597 |
| Retained earnings to average equity (ytd only) | 3.8283% | 3,183 |
| Net charge-offs to loans | 0.0289% | 6,513 |
| Credit loss provision to net charge-offs | 1,961.5385% | 120 |
| Earnings coverage of net charge-offs (x) | 35.8462% | 637 |
| Efficiency ratio | 80.4037% | 2,364 |
| Assets per employee ($millions) | 3.4290% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 3,452 |
| Loan loss allowance to noncurrent loans | 355.7522% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 6,302 |
| Noncurrent loans to loans | 0.4592% | 6,130 |
| Net loans and leases to total assets | 83.0529% | 379 |
| Net loans and leases to deposits | 92.1610% | 1,256 |
| Net loans and leases to core deposits | 97.1057% | 1,878 |
| Total domestic deposits to total assets | 90.1172% | 1,027 |
| Equity capital to assets | 9.7096% | 4,113 |
| Core capital (leverage) ratio | 9.5659% | 3,613 |
| Tier 1 risk-based capital ratio | 10.7300% | 6,543 |
| Total risk-based capital ratio | 11.9830% | 6,513 |
| Memoranda: | ||
| Average total assets | $54,144,600 | 6,398 |
| Average earning assets | $49,913,800 | 6,369 |
| Average equity | $5,511,600 | 6,502 |
| Average total loans | $44,924,800 | 5,707 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5260% | 2,334 |
| Cost of funding earning assets | 1.1637% | 5,065 |
| Net interest margin | 4.3623% | 1,636 |
| Noninterest income to average assets | 0.2686% | 5,970 |
| Noninterest expense to average assets | 3.6027% | 1,785 |
| Loan and lease loss provision to assets | 0.4645% | 3,148 |
| Net operating income to assets | 0.2109% | 5,480 |
| Return on assets (ROA) | 0.2109% | 5,640 |
| Pretax return on assets | 0.2109% | 5,705 |
| Return on Equity (ROE) | 2.0458% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.0458% | 4,934 |
| Net charge-offs to loans | 0.0395% | 6,161 |
| Credit loss provision to net charge-offs | 1,423.0769% | 214 |
| Earnings coverage of net charge-offs (x) | 20.6959% | 1,155 |
| Efficiency ratio | 84.2136% | 1,811 |
| Assets per employee ($millions) | 3.3238% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 3,839 |
| Loan loss allowance to noncurrent loans | 324.7788% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 6,417 |
| Noncurrent loans to loans | 0.4703% | 6,252 |
| Net loans and leases to total assets | 83.7501% | 346 |
| Net loans and leases to deposits | 93.1262% | 1,316 |
| Net loans and leases to core deposits | 96.3907% | 2,213 |
| Total domestic deposits to total assets | 89.9319% | 917 |
| Equity capital to assets | 9.7974% | 4,417 |
| Core capital (leverage) ratio | 9.9928% | 3,262 |
| Tier 1 risk-based capital ratio | 10.6775% | 6,651 |
| Total risk-based capital ratio | 11.9306% | 6,635 |
| Memoranda: | ||
| Average total assets | $53,107,500 | 6,502 |
| Average earning assets | $48,810,750 | 6,479 |
| Average equity | $5,474,500 | 6,598 |
| Average total loans | $43,851,500 | 5,837 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5078% | 2,478 |
| Cost of funding earning assets | 1.2198% | 5,021 |
| Net interest margin | 4.2880% | 1,830 |
| Noninterest income to average assets | 0.2463% | 6,152 |
| Noninterest expense to average assets | 3.6210% | 1,727 |
| Loan and lease loss provision to assets | 0.3656% | 3,514 |
| Net operating income to assets | 0.1962% | 5,573 |
| Return on assets (ROA) | 0.1962% | 5,701 |
| Pretax return on assets | 0.1962% | 5,778 |
| Return on Equity (ROE) | 1.8702% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.8702% | 4,936 |
| Net charge-offs to loans | 0.0612% | 5,532 |
| Credit loss provision to net charge-offs | 730.7692% | 516 |
| Earnings coverage of net charge-offs (x) | 11.2308% | 1,788 |
| Efficiency ratio | 86.5685% | 1,648 |
| Assets per employee ($millions) | 3.5842% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 4,197 |
| 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 | 81.6472% | 578 |
| Net loans and leases to deposits | 91.3035% | 1,650 |
| Net loans and leases to core deposits | 94.6749% | 2,625 |
| Total domestic deposits to total assets | 89.4240% | 1,212 |
| Equity capital to assets | 10.2431% | 3,714 |
| Core capital (leverage) ratio | 10.1975% | 2,943 |
| Tier 1 risk-based capital ratio | 11.3034% | 5,938 |
| Total risk-based capital ratio | 12.5557% | 5,923 |
| Memoranda: | ||
| Average total assets | $51,975,000 | 6,585 |
| Average earning assets | $47,714,000 | 6,560 |
| Average equity | $5,454,000 | 6,630 |
| Average total loans | $42,449,670 | 5,934 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 3,030 |
| Cost of funding earning assets | 1.2589% | 5,066 |
| Net interest margin | 4.1423% | 2,259 |
| Noninterest income to average assets | 0.2271% | 6,333 |
| Noninterest expense to average assets | 3.6413% | 1,636 |
| Loan and lease loss provision to assets | 0.1958% | 4,549 |
| Net operating income to assets | 0.2036% | 5,674 |
| Return on assets (ROA) | 0.2036% | 5,793 |
| Pretax return on assets | 0.2036% | 5,869 |
| Return on Equity (ROE) | 1.9162% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.9162% | 4,979 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1163% | 1,429 |
| Assets per employee ($millions) | 4.4555% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 4,438 |
| Loan loss allowance to noncurrent loans | 667.0455% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 7,063 |
| Noncurrent loans to loans | 0.2094% | 6,918 |
| Net loans and leases to total assets | 77.5166% | 1,241 |
| Net loans and leases to deposits | 86.5800% | 2,488 |
| Net loans and leases to core deposits | 89.7914% | 3,388 |
| Total domestic deposits to total assets | 89.5317% | 1,222 |
| Equity capital to assets | 10.1691% | 3,645 |
| Core capital (leverage) ratio | 10.5959% | 2,537 |
| Tier 1 risk-based capital ratio | 11.7968% | 5,399 |
| Total risk-based capital ratio | 13.0469% | 5,340 |
| Memoranda: | ||
| Average total assets | $51,081,000 | 6,697 |
| Average earning assets | $47,027,000 | 6,667 |
| Average equity | $5,427,500 | 6,698 |
| Average total loans | $41,404,500 | 6,053 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 3,975 |
| Cost of funding earning assets | 1.8645% | 3,653 |
| Net interest margin | 3.6689% | 4,260 |
| Noninterest income to average assets | 0.1994% | 6,674 |
| Noninterest expense to average assets | 3.9654% | 1,412 |
| Loan and lease loss provision to assets | 0.9482% | 2,377 |
| Net operating income to assets | -1.3358% | 6,785 |
| Return on assets (ROA) | -1.1918% | 6,702 |
| Pretax return on assets | -1.1918% | 6,535 |
| Return on Equity (ROE) | -9.4529% | 6,578 |
| Retained earnings to average equity (ytd only) | -9.4529% | 6,472 |
| Net charge-offs to loans | 0.5088% | 3,745 |
| Credit loss provision to net charge-offs | 240.4494% | 1,492 |
| Earnings coverage of net charge-offs (x) | -0.9831% | 6,876 |
| Efficiency ratio | 110.8359% | 784 |
| Assets per employee ($millions) | 3.4783% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 4,352 |
| 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 | 82.5838% | 597 |
| Net loans and leases to deposits | 93.2025% | 1,709 |
| Net loans and leases to core deposits | 125.9789% | 1,511 |
| Total domestic deposits to total assets | 88.6069% | 1,671 |
| Equity capital to assets | 11.1262% | 2,603 |
| Core capital (leverage) ratio | 11.1761% | 2,126 |
| Tier 1 risk-based capital ratio | 12.3671% | 4,626 |
| Total risk-based capital ratio | 13.6179% | 4,586 |
| Memoranda: | ||
| Average total assets | $45,140,200 | 6,906 |
| Average earning assets | $41,565,600 | 6,880 |
| Average equity | $5,691,400 | 6,715 |
| Average total loans | $34,984,800 | 6,356 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4254% | 4,822 |
| Cost of funding earning assets | 1.9982% | 3,371 |
| Net interest margin | 3.4273% | 5,160 |
| Noninterest income to average assets | 0.1808% | 6,932 |
| Noninterest expense to average assets | 4.1821% | 1,053 |
| Loan and lease loss provision to assets | 0.4158% | 3,827 |
| Net operating income to assets | -1.2594% | 6,996 |
| Return on assets (ROA) | -1.0636% | 6,877 |
| Pretax return on assets | -1.0636% | 6,728 |
| Return on Equity (ROE) | -8.1714% | 6,750 |
| Retained earnings to average equity (ytd only) | -8.1714% | 6,624 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.2708% | 524 |
| Assets per employee ($millions) | 3.4299% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 4,974 |
| 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 | 75.5300% | 2,095 |
| Net loans and leases to deposits | 85.8841% | 3,339 |
| Net loans and leases to core deposits | 118.6780% | 2,359 |
| Total domestic deposits to total assets | 87.9441% | 1,682 |
| Equity capital to assets | 11.6373% | 2,478 |
| Core capital (leverage) ratio | 11.7538% | 1,935 |
| Tier 1 risk-based capital ratio | 14.2610% | 3,407 |
| Total risk-based capital ratio | 15.4239% | 3,403 |
| Memoranda: | ||
| Average total assets | $44,251,250 | 6,990 |
| Average earning assets | $40,770,000 | 6,969 |
| Average equity | $5,759,750 | 6,751 |
| Average total loans | $33,536,750 | 6,478 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 5,635 |
| Cost of funding earning assets | 2.1090% | 3,225 |
| Net interest margin | 3.1964% | 5,927 |
| Noninterest income to average assets | 0.1675% | 7,083 |
| Noninterest expense to average assets | 4.1353% | 1,147 |
| Loan and lease loss provision to assets | 0.4512% | 3,277 |
| Net operating income to assets | -1.4792% | 7,233 |
| Return on assets (ROA) | -1.2978% | 7,171 |
| Pretax return on assets | -1.2978% | 6,987 |
| Return on Equity (ROE) | -9.5926% | 7,002 |
| Retained earnings to average equity (ytd only) | -9.5926% | 6,831 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.0838% | 497 |
| Assets per employee ($millions) | 3.5105% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 5,356 |
| 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 | 77.9998% | 1,743 |
| Net loans and leases to deposits | 89.4327% | 2,908 |
| Net loans and leases to core deposits | 124.5574% | 1,974 |
| Total domestic deposits to total assets | 87.2162% | 2,145 |
| Equity capital to assets | 12.3762% | 1,990 |
| Core capital (leverage) ratio | 12.7880% | 1,514 |
| Tier 1 risk-based capital ratio | 14.6665% | 3,161 |
| Total risk-based capital ratio | 15.7375% | 3,194 |
| Memoranda: | ||
| Average total assets | $42,995,670 | 7,097 |
| Average earning assets | $39,545,000 | 7,072 |
| Average equity | $5,817,000 | 6,788 |
| Average total loans | $32,476,330 | 6,589 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2945% | 5,915 |
| Cost of funding earning assets | 2.2765% | 2,808 |
| Net interest margin | 3.0180% | 6,432 |
| Noninterest income to average assets | 0.1536% | 7,206 |
| Noninterest expense to average assets | 4.1751% | 971 |
| Loan and lease loss provision to assets | 0.2016% | 4,429 |
| Net operating income to assets | -1.4493% | 7,473 |
| Return on assets (ROA) | -1.0750% | 7,309 |
| Pretax return on assets | -1.0750% | 7,187 |
| Return on Equity (ROE) | -7.5913% | 7,203 |
| Retained earnings to average equity (ytd only) | -7.5913% | 6,865 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.6230% | 393 |
| Assets per employee ($millions) | 3.0551% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 5,712 |
| 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 | 72.2639% | 3,187 |
| Net loans and leases to deposits | 84.1057% | 3,965 |
| Net loans and leases to core deposits | 118.5941% | 2,544 |
| Total domestic deposits to total assets | 85.9204% | 2,767 |
| Equity capital to assets | 13.6401% | 1,484 |
| Core capital (leverage) ratio | 13.8094% | 1,229 |
| Tier 1 risk-based capital ratio | 17.0567% | 2,319 |
| Total risk-based capital ratio | 18.0420% | 2,337 |
| Memoranda: | ||
| Average total assets | $41,675,500 | 7,181 |
| Average earning assets | $38,304,000 | 7,154 |
| Average equity | $5,901,500 | 6,811 |
| Average total loans | $30,712,000 | 6,720 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 6,687 |
| Cost of funding earning assets | 2.7213% | 3,057 |
| Net interest margin | 3.0062% | 6,895 |
| Noninterest income to average assets | -0.1076% | 8,206 |
| Noninterest expense to average assets | 4.5624% | 838 |
| Loan and lease loss provision to assets | 0.5257% | 2,713 |
| Net operating income to assets | -2.5026% | 7,710 |
| Return on assets (ROA) | -2.4380% | 7,662 |
| Pretax return on assets | -2.4380% | 7,574 |
| Return on Equity (ROE) | -12.5953% | 7,471 |
| Retained earnings to average equity (ytd only) | -12.5953% | 7,295 |
| Net charge-offs to loans | 0.2196% | 4,029 |
| Credit loss provision to net charge-offs | 348.9796% | 1,294 |
| Earnings coverage of net charge-offs (x) | -13.1224% | 6,915 |
| Efficiency ratio | 176.4566% | 258 |
| Assets per employee ($millions) | 3.6891% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 5,755 |
| 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 | 73.6102% | 3,201 |
| Net loans and leases to deposits | 86.7864% | 3,993 |
| Net loans and leases to core deposits | 121.2346% | 2,586 |
| Total domestic deposits to total assets | 84.8176% | 2,927 |
| Equity capital to assets | 14.7092% | 1,247 |
| Core capital (leverage) ratio | 16.3348% | 777 |
| Tier 1 risk-based capital ratio | 18.3371% | 1,951 |
| Total risk-based capital ratio | 19.3112% | 1,976 |
| Memoranda: | ||
| Average total assets | $32,526,600 | 7,536 |
| Average earning assets | $29,140,200 | 7,558 |
| Average equity | $6,296,000 | 6,704 |
| Average total loans | $22,309,800 | 7,177 |