Home > Incommons Bank, N.A. > Performance and Condition Ratios
Incommons Bank, N.A., 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 | 5.8037% | 829 |
| Cost of funding earning assets | 2.0304% | 881 |
| Net interest margin | 3.7733% | 1,603 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 3.1143% | 939 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.8557% | 2,687 |
| Return on assets (ROA) | 0.8557% | 2,661 |
| Pretax return on assets | 1.0186% | 2,624 |
| Return on Equity (ROE) | 12.8200% | 1,775 |
| Retained earnings to average equity (ytd only) | 7.4810% | 1,717 |
| Net charge-offs to loans | 0.0718% | 1,136 |
| Credit loss provision to net charge-offs | 256.8000% | 1,054 |
| Earnings coverage of net charge-offs (x) | 22.6640% | 1,810 |
| Efficiency ratio | 72.7368% | 1,584 |
| Assets per employee ($millions) | 4.7885% | 3,784 |
| Cash dividends to net income (ytd only)* | 41.6270% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,044 |
| Loan loss allowance to noncurrent loans | 622.0109% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 2,570 |
| Noncurrent loans to loans | 0.2002% | 2,510 |
| Net loans and leases to total assets | 70.1900% | 1,789 |
| Net loans and leases to deposits | 83.7033% | 1,806 |
| Net loans and leases to core deposits | 89.1140% | 2,110 |
| Total domestic deposits to total assets | 83.8600% | 2,659 |
| Equity capital to assets | 6.9228% | 3,967 |
| Core capital (leverage) ratio | 8.6865% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6987% | 1,983 |
| Memoranda: | ||
| Average total assets | $245,637,400 | 2,711 |
| Average earning assets | $224,734,400 | 2,715 |
| Average equity | $16,401,600 | 3,149 |
| Average total loans | $174,129,800 | 2,496 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6514% | 849 |
| Cost of funding earning assets | 1.9407% | 794 |
| Net interest margin | 3.7106% | 1,755 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 3.1897% | 832 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.7877% | 3,067 |
| Return on assets (ROA) | 0.7877% | 3,062 |
| Pretax return on assets | 0.9334% | 3,025 |
| Return on Equity (ROE) | 11.9100% | 2,147 |
| Retained earnings to average equity (ytd only) | 7.9615% | 1,979 |
| Net charge-offs to loans | 0.0606% | 1,058 |
| Credit loss provision to net charge-offs | 251.2821% | 981 |
| Earnings coverage of net charge-offs (x) | 24.3974% | 1,710 |
| Efficiency ratio | 74.9675% | 1,271 |
| Assets per employee ($millions) | 4.4661% | 3,963 |
| Cash dividends to net income (ytd only)* | 33.1704% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,075 |
| Loan loss allowance to noncurrent loans | 528.9474% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,452 |
| Noncurrent loans to loans | 0.2373% | 2,401 |
| Net loans and leases to total assets | 70.8000% | 1,731 |
| Net loans and leases to deposits | 79.5116% | 2,092 |
| Net loans and leases to core deposits | 84.5630% | 2,289 |
| Total domestic deposits to total assets | 89.0500% | 1,228 |
| Equity capital to assets | 6.3403% | 3,879 |
| Core capital (leverage) ratio | 8.6580% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8488% | 1,950 |
| Memoranda: | ||
| Average total assets | $242,402,000 | 2,729 |
| Average earning assets | $221,699,000 | 2,744 |
| Average equity | $16,026,750 | 3,170 |
| Average total loans | $171,714,250 | 2,517 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 894 |
| Cost of funding earning assets | 1.8141% | 720 |
| Net interest margin | 3.6381% | 1,953 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 3.2023% | 785 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.6746% | 3,397 |
| Return on assets (ROA) | 0.6746% | 3,399 |
| Pretax return on assets | 0.7840% | 3,430 |
| Return on Equity (ROE) | 10.0600% | 2,683 |
| Retained earnings to average equity (ytd only) | 7.8998% | 1,992 |
| Net charge-offs to loans | 0.0423% | 1,087 |
| Credit loss provision to net charge-offs | 519.4444% | 638 |
| Earnings coverage of net charge-offs (x) | 31.7500% | 1,520 |
| Efficiency ratio | 76.6727% | 1,114 |
| Assets per employee ($millions) | 4.7185% | 3,811 |
| Cash dividends to net income (ytd only)* | 21.4988% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,112 |
| Loan loss allowance to noncurrent loans | 690.4615% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 2,639 |
| Noncurrent loans to loans | 0.1829% | 2,558 |
| Net loans and leases to total assets | 70.1400% | 1,727 |
| Net loans and leases to deposits | 81.7505% | 1,845 |
| Net loans and leases to core deposits | 86.4674% | 2,036 |
| Total domestic deposits to total assets | 85.8000% | 2,296 |
| Equity capital to assets | 6.4387% | 4,018 |
| Core capital (leverage) ratio | 8.5282% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5115% | 2,088 |
| Memoranda: | ||
| Average total assets | $241,324,000 | 2,739 |
| Average earning assets | $220,941,000 | 2,756 |
| Average equity | $16,177,667 | 3,174 |
| Average total loans | $170,242,333 | 2,522 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 927 |
| Cost of funding earning assets | 1.5869% | 716 |
| Net interest margin | 3.6359% | 2,044 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 3.4877% | 547 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 0.3748% | 4,129 |
| Return on assets (ROA) | 0.3748% | 4,078 |
| Pretax return on assets | 0.3984% | 4,138 |
| Return on Equity (ROE) | 5.4800% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.4762% | 2,898 |
| Net charge-offs to loans | 0.0384% | 977 |
| Credit loss provision to net charge-offs | 1,093.7500% | 342 |
| Earnings coverage of net charge-offs (x) | 25.6875% | 1,361 |
| Efficiency ratio | 82.3981% | 685 |
| Assets per employee ($millions) | 4.4328% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,037 |
| Loan loss allowance to noncurrent loans | 728.8026% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 2,625 |
| Noncurrent loans to loans | 0.1784% | 2,587 |
| Net loans and leases to total assets | 70.1300% | 1,617 |
| Net loans and leases to deposits | 81.7200% | 1,678 |
| Net loans and leases to core deposits | 84.9484% | 1,932 |
| Total domestic deposits to total assets | 85.8100% | 2,649 |
| Equity capital to assets | 6.7231% | 3,954 |
| Core capital (leverage) ratio | 8.6178% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3586% | 2,236 |
| Memoranda: | ||
| Average total assets | $236,946,000 | 2,811 |
| Average earning assets | $217,278,500 | 2,814 |
| Average equity | $16,215,500 | 3,197 |
| Average total loans | $166,535,500 | 2,576 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 497 |
| Cost of funding earning assets | 0.5378% | 1,172 |
| Net interest margin | 4.1865% | 555 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 3.4363% | 523 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0492% | 2,377 |
| Return on assets (ROA) | 1.0492% | 2,323 |
| Pretax return on assets | 1.2371% | 2,317 |
| Return on Equity (ROE) | 14.4900% | 1,408 |
| Retained earnings to average equity (ytd only) | 12.9250% | 523 |
| Net charge-offs to loans | 0.0706% | 937 |
| Credit loss provision to net charge-offs | 81.7308% | 1,673 |
| Earnings coverage of net charge-offs (x) | 27.0288% | 1,740 |
| Efficiency ratio | 70.0857% | 1,674 |
| Assets per employee ($millions) | 4.2609% | 4,165 |
| Cash dividends to net income (ytd only)* | 10.8131% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 3,624 |
| Loan loss allowance to noncurrent loans | 432.7586% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 2,482 |
| Noncurrent loans to loans | 0.2177% | 2,400 |
| Net loans and leases to total assets | 68.8200% | 1,755 |
| Net loans and leases to deposits | 77.8881% | 1,962 |
| Net loans and leases to core deposits | 80.3089% | 2,114 |
| Total domestic deposits to total assets | 88.3600% | 1,944 |
| Equity capital to assets | 6.9712% | 3,683 |
| Core capital (leverage) ratio | 9.4283% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1622% | 1,917 |
| Memoranda: | ||
| Average total assets | $220,351,600 | 2,901 |
| Average earning assets | $201,359,200 | 2,920 |
| Average equity | $15,953,600 | 3,278 |
| Average total loans | $147,331,400 | 2,655 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 376 |
| Cost of funding earning assets | 0.4032% | 1,269 |
| Net interest margin | 4.2594% | 364 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 3.5187% | 482 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0377% | 2,331 |
| Return on assets (ROA) | 1.0377% | 2,300 |
| Pretax return on assets | 1.2200% | 2,289 |
| Return on Equity (ROE) | 14.1900% | 1,376 |
| Retained earnings to average equity (ytd only) | 12.1011% | 773 |
| Net charge-offs to loans | 0.0703% | 802 |
| Credit loss provision to net charge-offs | 90.7895% | 1,374 |
| Earnings coverage of net charge-offs (x) | 27.1447% | 1,568 |
| Efficiency ratio | 70.7704% | 1,675 |
| Assets per employee ($millions) | 3.8206% | 4,391 |
| Cash dividends to net income (ytd only)* | 14.7406% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,366 |
| Loan loss allowance to noncurrent loans | 540.2135% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 2,706 |
| Noncurrent loans to loans | 0.1897% | 2,647 |
| Net loans and leases to total assets | 67.3300% | 1,748 |
| Net loans and leases to deposits | 73.4810% | 2,092 |
| Net loans and leases to core deposits | 75.0951% | 2,272 |
| Total domestic deposits to total assets | 91.6300% | 1,001 |
| Equity capital to assets | 6.5784% | 3,704 |
| Core capital (leverage) ratio | 8.8960% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5087% | 1,873 |
| Memoranda: | ||
| Average total assets | $217,917,250 | 2,943 |
| Average earning assets | $199,052,500 | 2,960 |
| Average equity | $15,932,000 | 3,325 |
| Average total loans | $144,201,500 | 2,697 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 339 |
| Cost of funding earning assets | 0.3090% | 1,641 |
| Net interest margin | 4.2512% | 304 |
| Noninterest income to average assets | 0.8708% | 902 |
| Noninterest expense to average assets | 3.3749% | 491 |
| Loan and lease loss provision to assets | 0.0367% | 1,930 |
| Net operating income to assets | 1.1396% | 1,634 |
| Return on assets (ROA) | 1.1396% | 1,613 |
| Pretax return on assets | 1.3470% | 1,591 |
| Return on Equity (ROE) | 15.0844% | 873 |
| Retained earnings to average equity (ytd only) | 12.0481% | 598 |
| Net charge-offs to loans | 0.0812% | 665 |
| Credit loss provision to net charge-offs | 68.9655% | 1,435 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,455 |
| Efficiency ratio | 68.0679% | 2,231 |
| Assets per employee ($millions) | 3.7475% | 4,473 |
| Cash dividends to net income (ytd only)* | 20.1288% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,456 |
| Loan loss allowance to noncurrent loans | 337.8924% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 2,290 |
| Noncurrent loans to loans | 0.3058% | 2,236 |
| Net loans and leases to total assets | 66.4078% | 1,639 |
| Net loans and leases to deposits | 71.5199% | 2,069 |
| Net loans and leases to core deposits | 73.0710% | 2,233 |
| Total domestic deposits to total assets | 92.8522% | 551 |
| Equity capital to assets | 6.7563% | 3,906 |
| Core capital (leverage) ratio | 8.6756% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4547% | 1,881 |
| Memoranda: | ||
| Average total assets | $217,965,000 | 2,964 |
| Average earning assets | $199,332,333 | 2,999 |
| Average equity | $16,467,333 | 3,360 |
| Average total loans | $142,887,000 | 2,724 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 337 |
| Cost of funding earning assets | 0.2599% | 2,045 |
| Net interest margin | 4.2051% | 284 |
| Noninterest income to average assets | 0.8448% | 944 |
| Noninterest expense to average assets | 3.4892% | 419 |
| Loan and lease loss provision to assets | 0.0312% | 1,805 |
| Net operating income to assets | 1.0079% | 1,849 |
| Return on assets (ROA) | 1.0079% | 1,844 |
| Pretax return on assets | 1.1784% | 1,884 |
| Return on Equity (ROE) | 12.6739% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.6739% | 505 |
| Net charge-offs to loans | 0.0905% | 561 |
| Credit loss provision to net charge-offs | 53.1250% | 1,187 |
| Earnings coverage of net charge-offs (x) | 20.6250% | 1,272 |
| Efficiency ratio | 71.3729% | 2,060 |
| Assets per employee ($millions) | 3.8726% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,536 |
| Loan loss allowance to noncurrent loans | 347.9263% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 2,431 |
| Noncurrent loans to loans | 0.3013% | 2,383 |
| Net loans and leases to total assets | 65.7205% | 1,439 |
| Net loans and leases to deposits | 71.4248% | 1,826 |
| Net loans and leases to core deposits | 72.9911% | 2,021 |
| Total domestic deposits to total assets | 92.0135% | 573 |
| Equity capital to assets | 7.5627% | 3,886 |
| Core capital (leverage) ratio | 8.5161% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2583% | 2,090 |
| Memoranda: | ||
| Average total assets | $218,270,500 | 2,975 |
| Average earning assets | $200,041,000 | 3,005 |
| Average equity | $17,358,500 | 3,373 |
| Average total loans | $141,407,000 | 2,738 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4057% | 143 |
| Cost of funding earning assets | 0.2837% | 2,562 |
| Net interest margin | 5.1220% | 117 |
| Noninterest income to average assets | 1.0198% | 961 |
| Noninterest expense to average assets | 3.5652% | 443 |
| Loan and lease loss provision to assets | 0.1007% | 1,244 |
| Net operating income to assets | 1.6763% | 669 |
| Return on assets (ROA) | 1.6763% | 700 |
| Pretax return on assets | 2.0170% | 582 |
| Return on Equity (ROE) | 18.5606% | 414 |
| Retained earnings to average equity (ytd only) | 2.7944% | 3,726 |
| Net charge-offs to loans | 0.0537% | 1,260 |
| Credit loss provision to net charge-offs | 288.7324% | 1,088 |
| Earnings coverage of net charge-offs (x) | 60.7465% | 1,164 |
| Efficiency ratio | 60.1866% | 3,118 |
| Assets per employee ($millions) | 3.9941% | 4,423 |
| Cash dividends to net income (ytd only)* | 84.9443% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,362 |
| Loan loss allowance to noncurrent loans | 498.3660% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 2,961 |
| Noncurrent loans to loans | 0.2205% | 2,861 |
| Net loans and leases to total assets | 62.4803% | 1,886 |
| Net loans and leases to deposits | 68.4291% | 2,267 |
| Net loans and leases to core deposits | 69.7974% | 2,471 |
| Total domestic deposits to total assets | 91.3067% | 385 |
| Equity capital to assets | 8.3378% | 4,152 |
| Core capital (leverage) ratio | 8.3957% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2645% | 2,141 |
| Memoranda: | ||
| Average total assets | $203,663,800 | 3,034 |
| Average earning assets | $185,416,000 | 3,061 |
| Average equity | $18,393,800 | 3,356 |
| Average total loans | $132,206,000 | 2,826 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4933% | 148 |
| Cost of funding earning assets | 0.2911% | 2,677 |
| Net interest margin | 5.2022% | 120 |
| Noninterest income to average assets | 1.0758% | 953 |
| Noninterest expense to average assets | 3.6114% | 404 |
| Loan and lease loss provision to assets | 0.0180% | 2,645 |
| Net operating income to assets | 1.8030% | 663 |
| Return on assets (ROA) | 1.8030% | 690 |
| Pretax return on assets | 2.1723% | 579 |
| Return on Equity (ROE) | 19.5506% | 459 |
| Retained earnings to average equity (ytd only) | -1.4482% | 4,682 |
| Net charge-offs to loans | 0.1185% | 662 |
| Credit loss provision to net charge-offs | 23.2759% | 1,979 |
| Earnings coverage of net charge-offs (x) | 28.2759% | 1,555 |
| Efficiency ratio | 59.7030% | 3,024 |
| Assets per employee ($millions) | 4.0630% | 4,411 |
| Cash dividends to net income (ytd only)* | 107.4074% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,870 |
| Loan loss allowance to noncurrent loans | 432.5581% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 3,094 |
| Noncurrent loans to loans | 0.2299% | 3,019 |
| Net loans and leases to total assets | 62.5551% | 1,932 |
| Net loans and leases to deposits | 68.7838% | 2,357 |
| Net loans and leases to core deposits | 70.3071% | 2,566 |
| Total domestic deposits to total assets | 90.9445% | 387 |
| Equity capital to assets | 8.6453% | 4,106 |
| Core capital (leverage) ratio | 8.1791% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7923% | 2,047 |
| Memoranda: | ||
| Average total assets | $199,661,250 | 3,102 |
| Average earning assets | $181,380,000 | 3,124 |
| Average equity | $18,413,250 | 3,394 |
| Average total loans | $130,563,000 | 2,884 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 327 |
| Cost of funding earning assets | 0.2940% | 2,832 |
| Net interest margin | 4.7379% | 242 |
| Noninterest income to average assets | 1.1596% | 850 |
| Noninterest expense to average assets | 3.5730% | 421 |
| Loan and lease loss provision to assets | 0.0091% | 2,741 |
| Net operating income to assets | 1.5755% | 1,104 |
| Return on assets (ROA) | 1.5755% | 1,162 |
| Pretax return on assets | 1.8768% | 1,061 |
| Return on Equity (ROE) | 16.7172% | 822 |
| Retained earnings to average equity (ytd only) | 7.0292% | 2,421 |
| Net charge-offs to loans | 0.1395% | 574 |
| Credit loss provision to net charge-offs | 9.8901% | 1,776 |
| Earnings coverage of net charge-offs (x) | 20.4286% | 1,525 |
| Efficiency ratio | 62.7021% | 2,628 |
| Assets per employee ($millions) | 3.6699% | 4,612 |
| Cash dividends to net income (ytd only)* | 57.9524% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,947 |
| Loan loss allowance to noncurrent loans | 416.8790% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 3,190 |
| Noncurrent loans to loans | 0.2316% | 3,125 |
| Net loans and leases to total assets | 65.3281% | 1,785 |
| Net loans and leases to deposits | 73.0320% | 2,108 |
| Net loans and leases to core deposits | 74.6897% | 2,356 |
| Total domestic deposits to total assets | 89.4512% | 1,056 |
| Equity capital to assets | 9.0968% | 3,715 |
| Core capital (leverage) ratio | 8.8267% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5770% | 1,778 |
| Memoranda: | ||
| Average total assets | $197,144,667 | 3,126 |
| Average earning assets | $178,896,000 | 3,145 |
| Average equity | $18,579,667 | 3,375 |
| Average total loans | $130,443,000 | 2,898 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 378 |
| Cost of funding earning assets | 0.3040% | 2,949 |
| Net interest margin | 4.6472% | 289 |
| Noninterest income to average assets | 0.8416% | 1,485 |
| Noninterest expense to average assets | 3.5593% | 430 |
| Loan and lease loss provision to assets | 0.0083% | 2,663 |
| Net operating income to assets | 1.2562% | 1,956 |
| Return on assets (ROA) | 1.2562% | 2,037 |
| Pretax return on assets | 1.4884% | 2,029 |
| Return on Equity (ROE) | 13.0871% | 1,650 |
| Retained earnings to average equity (ytd only) | 13.0871% | 895 |
| Net charge-offs to loans | 0.1908% | 426 |
| Credit loss provision to net charge-offs | 6.5574% | 1,459 |
| Earnings coverage of net charge-offs (x) | 11.8361% | 1,438 |
| Efficiency ratio | 67.3637% | 2,018 |
| Assets per employee ($millions) | 3.5133% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,783 |
| Loan loss allowance to noncurrent loans | 318.6158% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 3,089 |
| Noncurrent loans to loans | 0.3189% | 2,955 |
| Net loans and leases to total assets | 64.9369% | 1,928 |
| Net loans and leases to deposits | 72.0067% | 2,318 |
| Net loans and leases to core deposits | 73.4311% | 2,565 |
| Total domestic deposits to total assets | 90.1817% | 730 |
| Equity capital to assets | 9.3814% | 3,301 |
| Core capital (leverage) ratio | 9.3258% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9112% | 1,594 |
| Memoranda: | ||
| Average total assets | $192,961,000 | 3,140 |
| Average earning assets | $174,987,500 | 3,165 |
| Average equity | $18,522,000 | 3,371 |
| Average total loans | $127,881,500 | 2,928 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2720% | 283 |
| Cost of funding earning assets | 0.5167% | 2,833 |
| Net interest margin | 4.7553% | 190 |
| Noninterest income to average assets | 0.8809% | 1,314 |
| Noninterest expense to average assets | 3.8104% | 453 |
| Loan and lease loss provision to assets | 0.0385% | 3,931 |
| Net operating income to assets | 1.1325% | 1,794 |
| Return on assets (ROA) | 1.1325% | 1,914 |
| Pretax return on assets | 1.3197% | 1,918 |
| Return on Equity (ROE) | 11.8259% | 1,375 |
| Retained earnings to average equity (ytd only) | 5.7374% | 1,940 |
| Net charge-offs to loans | 0.0428% | 2,201 |
| Credit loss provision to net charge-offs | 131.4815% | 2,546 |
| Earnings coverage of net charge-offs (x) | 46.3704% | 1,271 |
| Efficiency ratio | 70.6265% | 1,868 |
| Assets per employee ($millions) | 3.3757% | 4,698 |
| Cash dividends to net income (ytd only)* | 51.4847% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,377 |
| Loan loss allowance to noncurrent loans | 266.4751% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 2,867 |
| Noncurrent loans to loans | 0.4197% | 2,721 |
| Net loans and leases to total assets | 66.2464% | 2,066 |
| Net loans and leases to deposits | 73.7791% | 2,509 |
| Net loans and leases to core deposits | 75.3614% | 2,786 |
| Total domestic deposits to total assets | 89.7901% | 642 |
| Equity capital to assets | 9.8334% | 3,279 |
| Core capital (leverage) ratio | 9.1591% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7088% | 1,624 |
| Memoranda: | ||
| Average total assets | $184,365,000 | 3,068 |
| Average earning assets | $166,237,000 | 3,109 |
| Average equity | $17,656,200 | 3,404 |
| Average total loans | $126,080,800 | 2,908 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 346 |
| Cost of funding earning assets | 0.5670% | 2,828 |
| Net interest margin | 4.7283% | 240 |
| Noninterest income to average assets | 0.8643% | 1,320 |
| Noninterest expense to average assets | 3.8266% | 449 |
| Loan and lease loss provision to assets | 0.0326% | 3,927 |
| Net operating income to assets | 1.0896% | 2,016 |
| Return on assets (ROA) | 1.0896% | 2,144 |
| Pretax return on assets | 1.2642% | 2,179 |
| Return on Equity (ROE) | 11.4548% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.4083% | 1,172 |
| Net charge-offs to loans | 0.0232% | 2,382 |
| Credit loss provision to net charge-offs | 204.5455% | 2,101 |
| Earnings coverage of net charge-offs (x) | 81.3636% | 914 |
| Efficiency ratio | 71.5639% | 1,693 |
| Assets per employee ($millions) | 3.3066% | 4,741 |
| Cash dividends to net income (ytd only)* | 26.5957% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,235 |
| Loan loss allowance to noncurrent loans | 324.8837% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 3,199 |
| Noncurrent loans to loans | 0.3370% | 3,075 |
| Net loans and leases to total assets | 66.9557% | 2,389 |
| Net loans and leases to deposits | 76.3253% | 2,719 |
| Net loans and leases to core deposits | 77.7818% | 3,026 |
| Total domestic deposits to total assets | 87.7240% | 1,332 |
| Equity capital to assets | 9.7584% | 3,473 |
| Core capital (leverage) ratio | 9.0292% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8220% | 1,555 |
| Memoranda: | ||
| Average total assets | $184,040,500 | 3,060 |
| Average earning assets | $165,778,750 | 3,098 |
| Average equity | $17,506,000 | 3,420 |
| Average total loans | $126,504,500 | 2,913 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 411 |
| Cost of funding earning assets | 0.6474% | 2,716 |
| Net interest margin | 4.7410% | 310 |
| Noninterest income to average assets | 0.8315% | 1,343 |
| Noninterest expense to average assets | 3.8179% | 492 |
| Loan and lease loss provision to assets | 0.1150% | 2,869 |
| Net operating income to assets | 1.0002% | 2,329 |
| Return on assets (ROA) | 1.0002% | 2,448 |
| Pretax return on assets | 1.1667% | 2,473 |
| Return on Equity (ROE) | 10.6097% | 1,772 |
| Retained earnings to average equity (ytd only) | 5.9614% | 2,100 |
| Net charge-offs to loans | 0.1300% | 1,065 |
| Credit loss provision to net charge-offs | 128.0488% | 2,242 |
| Earnings coverage of net charge-offs (x) | 14.2683% | 1,951 |
| Efficiency ratio | 71.6864% | 1,734 |
| Assets per employee ($millions) | 3.3261% | 4,734 |
| Cash dividends to net income (ytd only)* | 43.8116% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,116 |
| Loan loss allowance to noncurrent loans | 75.3913% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.0565% | 1,101 |
| Noncurrent loans to loans | 1.4474% | 1,057 |
| Net loans and leases to total assets | 66.7926% | 2,524 |
| Net loans and leases to deposits | 77.2205% | 2,734 |
| Net loans and leases to core deposits | 78.7050% | 3,051 |
| Total domestic deposits to total assets | 86.4959% | 1,806 |
| Equity capital to assets | 9.3572% | 3,774 |
| Core capital (leverage) ratio | 8.7249% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9989% | 1,821 |
| Memoranda: | ||
| Average total assets | $182,562,667 | 3,053 |
| Average earning assets | $164,353,667 | 3,094 |
| Average equity | $17,210,667 | 3,448 |
| Average total loans | $126,142,333 | 2,905 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4525% | 411 |
| Cost of funding earning assets | 0.8063% | 2,352 |
| Net interest margin | 4.6462% | 378 |
| Noninterest income to average assets | 0.9092% | 1,050 |
| Noninterest expense to average assets | 3.9765% | 519 |
| Loan and lease loss provision to assets | 0.0715% | 2,842 |
| Net operating income to assets | 0.9137% | 2,476 |
| Return on assets (ROA) | 0.9137% | 2,586 |
| Pretax return on assets | 1.0321% | 2,729 |
| Return on Equity (ROE) | 9.6542% | 1,858 |
| Retained earnings to average equity (ytd only) | 9.6542% | 816 |
| Net charge-offs to loans | 0.0415% | 1,622 |
| Credit loss provision to net charge-offs | 246.1538% | 1,302 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,052 |
| Efficiency ratio | 75.0220% | 1,683 |
| Assets per employee ($millions) | 3.1874% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 3,064 |
| Loan loss allowance to noncurrent loans | 504.7101% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 3,508 |
| Noncurrent loans to loans | 0.2234% | 3,683 |
| Net loans and leases to total assets | 68.4423% | 2,479 |
| Net loans and leases to deposits | 82.2423% | 2,425 |
| Net loans and leases to core deposits | 83.8430% | 2,866 |
| Total domestic deposits to total assets | 83.2203% | 3,039 |
| Equity capital to assets | 9.5622% | 4,165 |
| Core capital (leverage) ratio | 9.1654% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7259% | 1,995 |
| Memoranda: | ||
| Average total assets | $179,050,500 | 3,053 |
| Average earning assets | $160,732,500 | 3,101 |
| Average equity | $16,946,000 | 3,477 |
| Average total loans | $125,200,000 | 2,896 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 644 |
| Cost of funding earning assets | 0.9940% | 1,748 |
| Net interest margin | 4.4271% | 846 |
| Noninterest income to average assets | 0.9816% | 1,012 |
| Noninterest expense to average assets | 3.9630% | 553 |
| Loan and lease loss provision to assets | 0.1513% | 1,406 |
| Net operating income to assets | 0.7492% | 3,703 |
| Return on assets (ROA) | 0.7518% | 3,775 |
| Pretax return on assets | 0.8360% | 3,904 |
| Return on Equity (ROE) | 8.0635% | 3,137 |
| Retained earnings to average equity (ytd only) | 3.7613% | 3,097 |
| Net charge-offs to loans | 0.0680% | 2,116 |
| Credit loss provision to net charge-offs | 318.0723% | 871 |
| Earnings coverage of net charge-offs (x) | 20.6988% | 1,922 |
| Efficiency ratio | 76.6852% | 1,296 |
| Assets per employee ($millions) | 3.1510% | 4,736 |
| Cash dividends to net income (ytd only)* | 53.3537% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,043 |
| Loan loss allowance to noncurrent loans | 172.6131% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 2,436 |
| Noncurrent loans to loans | 0.6276% | 2,318 |
| Net loans and leases to total assets | 69.8568% | 2,423 |
| Net loans and leases to deposits | 83.4034% | 2,399 |
| Net loans and leases to core deposits | 85.3146% | 2,845 |
| Total domestic deposits to total assets | 83.7578% | 2,929 |
| Equity capital to assets | 9.3672% | 4,451 |
| Core capital (leverage) ratio | 8.9445% | 4,568 |
| Tier 1 risk-based capital ratio | 12.6992% | 3,949 |
| Total risk-based capital ratio | 13.8105% | 3,919 |
| Memoranda: | ||
| Average total assets | $174,515,800 | 3,069 |
| Average earning assets | $156,332,000 | 3,119 |
| Average equity | $16,270,800 | 3,522 |
| Average total loans | $122,057,200 | 2,922 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4236% | 669 |
| Cost of funding earning assets | 1.0254% | 1,657 |
| Net interest margin | 4.3982% | 949 |
| Noninterest income to average assets | 1.0030% | 929 |
| Noninterest expense to average assets | 3.9595% | 556 |
| Loan and lease loss provision to assets | 0.0970% | 1,969 |
| Net operating income to assets | 0.7886% | 3,708 |
| Return on assets (ROA) | 0.7921% | 3,770 |
| Pretax return on assets | 0.8890% | 3,914 |
| Return on Equity (ROE) | 8.5184% | 3,105 |
| Retained earnings to average equity (ytd only) | 5.6209% | 2,558 |
| Net charge-offs to loans | 0.0662% | 1,880 |
| Credit loss provision to net charge-offs | 210.0000% | 1,255 |
| Earnings coverage of net charge-offs (x) | 21.2661% | 1,920 |
| Efficiency ratio | 76.6822% | 1,245 |
| Assets per employee ($millions) | 3.0004% | 4,891 |
| Cash dividends to net income (ytd only)* | 34.0139% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,426 |
| Loan loss allowance to noncurrent loans | 435.6401% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 3,716 |
| Noncurrent loans to loans | 0.2354% | 3,699 |
| Net loans and leases to total assets | 68.6536% | 2,685 |
| Net loans and leases to deposits | 81.7645% | 2,714 |
| Net loans and leases to core deposits | 83.6562% | 3,123 |
| Total domestic deposits to total assets | 83.9650% | 2,836 |
| Equity capital to assets | 9.4484% | 4,499 |
| Core capital (leverage) ratio | 8.9246% | 4,689 |
| Tier 1 risk-based capital ratio | 13.2600% | 3,708 |
| Total risk-based capital ratio | 14.3239% | 3,716 |
| Memoranda: | ||
| Average total assets | $173,216,750 | 3,110 |
| Average earning assets | $155,121,000 | 3,167 |
| Average equity | $16,106,000 | 3,565 |
| Average total loans | $120,861,250 | 2,967 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 735 |
| Cost of funding earning assets | 1.0082% | 1,657 |
| Net interest margin | 4.3434% | 1,059 |
| Noninterest income to average assets | 0.9863% | 896 |
| Noninterest expense to average assets | 3.9221% | 588 |
| Loan and lease loss provision to assets | 0.0861% | 2,125 |
| Net operating income to assets | 0.7747% | 3,733 |
| Return on assets (ROA) | 0.7747% | 3,798 |
| Pretax return on assets | 0.8665% | 3,939 |
| Return on Equity (ROE) | 8.3777% | 3,122 |
| Retained earnings to average equity (ytd only) | 3.9750% | 3,264 |
| Net charge-offs to loans | 0.0616% | 1,764 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 22.1351% | 1,706 |
| Efficiency ratio | 76.9267% | 1,278 |
| Assets per employee ($millions) | 3.1136% | 4,832 |
| Cash dividends to net income (ytd only)* | 52.5526% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,623 |
| Loan loss allowance to noncurrent loans | 490.0398% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 3,963 |
| Noncurrent loans to loans | 0.2041% | 3,820 |
| Net loans and leases to total assets | 69.8417% | 2,552 |
| Net loans and leases to deposits | 84.9006% | 2,379 |
| Net loans and leases to core deposits | 86.5620% | 2,920 |
| Total domestic deposits to total assets | 82.2629% | 3,442 |
| Equity capital to assets | 9.3776% | 4,520 |
| Core capital (leverage) ratio | 8.9099% | 4,706 |
| Tier 1 risk-based capital ratio | 12.9486% | 3,865 |
| Total risk-based capital ratio | 13.9924% | 3,886 |
| Memoranda: | ||
| Average total assets | $171,947,330 | 3,138 |
| Average earning assets | $153,936,330 | 3,191 |
| Average equity | $15,899,330 | 3,592 |
| Average total loans | $120,217,330 | 2,988 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2789% | 785 |
| Cost of funding earning assets | 1.0364% | 1,422 |
| Net interest margin | 4.2425% | 1,215 |
| Noninterest income to average assets | 0.9746% | 869 |
| Noninterest expense to average assets | 3.9428% | 574 |
| Loan and lease loss provision to assets | 0.0937% | 1,859 |
| Net operating income to assets | 0.6700% | 4,026 |
| Return on assets (ROA) | 0.6700% | 4,064 |
| Pretax return on assets | 0.7356% | 4,204 |
| Return on Equity (ROE) | 7.2989% | 3,550 |
| Retained earnings to average equity (ytd only) | 7.2989% | 1,930 |
| Net charge-offs to loans | 0.0808% | 1,280 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,778 |
| Efficiency ratio | 78.9887% | 1,160 |
| Assets per employee ($millions) | 3.1252% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,575 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 3,761 |
| Noncurrent loans to loans | 0.2783% | 3,569 |
| Net loans and leases to total assets | 68.2704% | 2,719 |
| Net loans and leases to deposits | 82.4461% | 2,568 |
| Net loans and leases to core deposits | 83.6169% | 3,054 |
| Total domestic deposits to total assets | 82.8061% | 3,456 |
| Equity capital to assets | 9.3201% | 4,412 |
| Core capital (leverage) ratio | 8.9256% | 4,700 |
| Tier 1 risk-based capital ratio | 13.3828% | 3,677 |
| Total risk-based capital ratio | 14.4514% | 3,678 |
| Memoranda: | ||
| Average total assets | $170,739,500 | 3,188 |
| Average earning assets | $152,833,500 | 3,238 |
| Average equity | $15,673,500 | 3,621 |
| Average total loans | $118,822,000 | 3,031 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 724 |
| Cost of funding earning assets | 0.7608% | 1,734 |
| Net interest margin | 4.4172% | 901 |
| Noninterest income to average assets | 0.9816% | 980 |
| Noninterest expense to average assets | 3.9907% | 537 |
| Loan and lease loss provision to assets | 0.0856% | 2,427 |
| Net operating income to assets | 0.7709% | 3,911 |
| Return on assets (ROA) | 0.7709% | 3,916 |
| Pretax return on assets | 0.8600% | 4,006 |
| Return on Equity (ROE) | 8.6234% | 3,167 |
| Retained earnings to average equity (ytd only) | 4.3315% | 3,159 |
| Net charge-offs to loans | 0.1060% | 1,693 |
| Credit loss provision to net charge-offs | 116.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 12.8160% | 2,501 |
| Efficiency ratio | 77.3168% | 1,198 |
| Assets per employee ($millions) | 3.0284% | 4,977 |
| Cash dividends to net income (ytd only)* | 49.7703% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,672 |
| Loan loss allowance to noncurrent loans | 354.0059% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 3,715 |
| Noncurrent loans to loans | 0.2830% | 3,552 |
| Net loans and leases to total assets | 69.5157% | 2,649 |
| Net loans and leases to deposits | 83.3001% | 2,591 |
| Net loans and leases to core deposits | 84.0352% | 3,090 |
| Total domestic deposits to total assets | 83.4520% | 3,174 |
| Equity capital to assets | 9.0376% | 4,545 |
| Core capital (leverage) ratio | 8.7177% | 4,869 |
| Tier 1 risk-based capital ratio | 13.0376% | 3,829 |
| Total risk-based capital ratio | 14.0889% | 3,834 |
| Memoranda: | ||
| Average total assets | $169,417,400 | 3,178 |
| Average earning assets | $151,678,800 | 3,229 |
| Average equity | $15,144,800 | 3,625 |
| Average total loans | $117,884,600 | 3,020 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1075% | 748 |
| Cost of funding earning assets | 0.7237% | 1,728 |
| Net interest margin | 4.3837% | 934 |
| Noninterest income to average assets | 0.9714% | 1,011 |
| Noninterest expense to average assets | 3.9887% | 533 |
| Loan and lease loss provision to assets | 0.0622% | 2,732 |
| Net operating income to assets | 0.7628% | 4,036 |
| Return on assets (ROA) | 0.7628% | 4,044 |
| Pretax return on assets | 0.8494% | 4,170 |
| Return on Equity (ROE) | 8.5565% | 3,308 |
| Retained earnings to average equity (ytd only) | 5.9074% | 2,699 |
| Net charge-offs to loans | 0.0680% | 1,860 |
| Credit loss provision to net charge-offs | 131.6667% | 1,872 |
| Earnings coverage of net charge-offs (x) | 19.2995% | 2,012 |
| Efficiency ratio | 77.8474% | 1,135 |
| Assets per employee ($millions) | 2.9542% | 5,068 |
| Cash dividends to net income (ytd only)* | 30.9597% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,727 |
| Loan loss allowance to noncurrent loans | 415.6794% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 4,126 |
| Noncurrent loans to loans | 0.2416% | 3,831 |
| Net loans and leases to total assets | 68.6288% | 2,846 |
| Net loans and leases to deposits | 83.0827% | 2,698 |
| Net loans and leases to core deposits | 83.5681% | 3,190 |
| Total domestic deposits to total assets | 82.6029% | 3,431 |
| Equity capital to assets | 8.9066% | 4,632 |
| Core capital (leverage) ratio | 8.6829% | 4,968 |
| Tier 1 risk-based capital ratio | 12.9506% | 3,939 |
| Total risk-based capital ratio | 13.9994% | 3,953 |
| Memoranda: | ||
| Average total assets | $169,373,750 | 3,202 |
| Average earning assets | $151,800,500 | 3,253 |
| Average equity | $15,099,250 | 3,650 |
| Average total loans | $117,584,250 | 3,048 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0593% | 721 |
| Cost of funding earning assets | 0.6680% | 1,823 |
| Net interest margin | 4.3913% | 867 |
| Noninterest income to average assets | 0.9768% | 998 |
| Noninterest expense to average assets | 3.9380% | 584 |
| Loan and lease loss provision to assets | 0.0605% | 2,694 |
| Net operating income to assets | 0.8168% | 3,799 |
| Return on assets (ROA) | 0.8168% | 3,807 |
| Pretax return on assets | 0.9140% | 3,924 |
| Return on Equity (ROE) | 9.1590% | 2,947 |
| Retained earnings to average equity (ytd only) | 5.1710% | 2,987 |
| Net charge-offs to loans | 0.0495% | 1,898 |
| Credit loss provision to net charge-offs | 175.8621% | 1,417 |
| Earnings coverage of net charge-offs (x) | 28.3448% | 1,558 |
| Efficiency ratio | 76.5927% | 1,359 |
| Assets per employee ($millions) | 2.9803% | 5,109 |
| Cash dividends to net income (ytd only)* | 43.5414% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,789 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 3,648 |
| Noncurrent loans to loans | 0.4030% | 3,247 |
| Net loans and leases to total assets | 69.1161% | 2,704 |
| Net loans and leases to deposits | 81.9094% | 2,777 |
| Net loans and leases to core deposits | 82.3806% | 3,208 |
| Total domestic deposits to total assets | 84.3811% | 2,923 |
| Equity capital to assets | 8.8940% | 4,648 |
| Core capital (leverage) ratio | 8.6626% | 4,983 |
| Tier 1 risk-based capital ratio | 12.6742% | 4,075 |
| Total risk-based capital ratio | 13.7274% | 4,091 |
| Memoranda: | ||
| Average total assets | $168,716,670 | 3,229 |
| Average earning assets | $151,207,330 | 3,278 |
| Average equity | $15,045,330 | 3,678 |
| Average total loans | $117,184,000 | 3,070 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0323% | 656 |
| Cost of funding earning assets | 0.6486% | 1,725 |
| Net interest margin | 4.3837% | 796 |
| Noninterest income to average assets | 0.9659% | 989 |
| Noninterest expense to average assets | 3.7517% | 711 |
| Loan and lease loss provision to assets | 0.0619% | 2,543 |
| Net operating income to assets | 0.9635% | 3,015 |
| Return on assets (ROA) | 0.9635% | 3,036 |
| Pretax return on assets | 1.0920% | 3,200 |
| Return on Equity (ROE) | 10.7903% | 2,049 |
| Retained earnings to average equity (ytd only) | 10.7903% | 943 |
| Net charge-offs to loans | 0.0549% | 1,557 |
| Credit loss provision to net charge-offs | 162.5000% | 1,180 |
| Earnings coverage of net charge-offs (x) | 30.3125% | 1,232 |
| Efficiency ratio | 72.8904% | 2,055 |
| Assets per employee ($millions) | 3.1109% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,902 |
| Loan loss allowance to noncurrent loans | 382.8479% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 4,184 |
| Noncurrent loans to loans | 0.2635% | 3,819 |
| Net loans and leases to total assets | 67.8523% | 2,784 |
| Net loans and leases to deposits | 80.4945% | 2,754 |
| Net loans and leases to core deposits | 81.9717% | 3,142 |
| Total domestic deposits to total assets | 84.2944% | 3,200 |
| Equity capital to assets | 8.8294% | 4,719 |
| Core capital (leverage) ratio | 8.5445% | 5,115 |
| Tier 1 risk-based capital ratio | 12.9782% | 3,957 |
| Total risk-based capital ratio | 14.0502% | 3,949 |
| Memoranda: | ||
| Average total assets | $168,136,000 | 3,267 |
| Average earning assets | $151,104,500 | 3,314 |
| Average equity | $15,013,500 | 3,708 |
| Average total loans | $116,472,000 | 3,108 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 593 |
| Cost of funding earning assets | 0.4850% | 2,460 |
| Net interest margin | 4.5608% | 541 |
| Noninterest income to average assets | 1.0347% | 948 |
| Noninterest expense to average assets | 3.9473% | 576 |
| Loan and lease loss provision to assets | 0.1410% | 1,613 |
| Net operating income to assets | 0.7092% | 3,563 |
| Return on assets (ROA) | 0.7092% | 3,616 |
| Pretax return on assets | 1.0183% | 3,500 |
| Return on Equity (ROE) | 7.6681% | 2,972 |
| Retained earnings to average equity (ytd only) | 3.9776% | 2,809 |
| Net charge-offs to loans | 0.1550% | 1,562 |
| Credit loss provision to net charge-offs | 130.4094% | 2,015 |
| Earnings coverage of net charge-offs (x) | 10.7251% | 2,644 |
| Efficiency ratio | 73.6477% | 1,954 |
| Assets per employee ($millions) | 2.9495% | 5,232 |
| Cash dividends to net income (ytd only)* | 48.1283% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,854 |
| Loan loss allowance to noncurrent loans | 323.1405% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 4,037 |
| Noncurrent loans to loans | 0.3138% | 3,656 |
| Net loans and leases to total assets | 69.3172% | 2,629 |
| Net loans and leases to deposits | 83.9460% | 2,495 |
| Net loans and leases to core deposits | 85.5755% | 2,942 |
| Total domestic deposits to total assets | 82.5735% | 3,705 |
| Equity capital to assets | 9.0329% | 4,685 |
| Core capital (leverage) ratio | 8.6514% | 4,992 |
| Tier 1 risk-based capital ratio | 12.8243% | 4,021 |
| Total risk-based capital ratio | 13.8880% | 4,014 |
| Memoranda: | ||
| Average total assets | $158,208,200 | 3,374 |
| Average earning assets | $141,247,600 | 3,433 |
| Average equity | $14,632,000 | 3,765 |
| Average total loans | $110,348,200 | 3,176 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 551 |
| Cost of funding earning assets | 0.4599% | 2,617 |
| Net interest margin | 4.5941% | 493 |
| Noninterest income to average assets | 0.9978% | 1,030 |
| Noninterest expense to average assets | 3.9275% | 570 |
| Loan and lease loss provision to assets | 0.0980% | 2,150 |
| Net operating income to assets | 0.8240% | 3,419 |
| Return on assets (ROA) | 0.8240% | 3,454 |
| Pretax return on assets | 1.0669% | 3,432 |
| Return on Equity (ROE) | 8.8551% | 2,694 |
| Retained earnings to average equity (ytd only) | 3.9102% | 3,596 |
| Net charge-offs to loans | 0.0697% | 2,125 |
| Credit loss provision to net charge-offs | 201.7544% | 1,334 |
| Earnings coverage of net charge-offs (x) | 23.9818% | 1,789 |
| Efficiency ratio | 73.4270% | 1,985 |
| Assets per employee ($millions) | 2.9292% | 5,311 |
| Cash dividends to net income (ytd only)* | 55.8427% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,758 |
| Loan loss allowance to noncurrent loans | 431.8681% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 3,998 |
| Noncurrent loans to loans | 0.2443% | 4,079 |
| Net loans and leases to total assets | 67.3921% | 2,938 |
| Net loans and leases to deposits | 79.7705% | 2,994 |
| Net loans and leases to core deposits | 81.3359% | 3,347 |
| Total domestic deposits to total assets | 84.4825% | 2,927 |
| Equity capital to assets | 9.0140% | 4,901 |
| Core capital (leverage) ratio | 8.5159% | 5,236 |
| Tier 1 risk-based capital ratio | 12.6295% | 4,245 |
| Total risk-based capital ratio | 13.7276% | 4,245 |
| Memoranda: | ||
| Average total assets | $156,466,750 | 3,423 |
| Average earning assets | $139,451,750 | 3,491 |
| Average equity | $14,560,000 | 3,812 |
| Average total loans | $109,018,500 | 3,224 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0937% | 478 |
| Cost of funding earning assets | 0.4361% | 2,745 |
| Net interest margin | 4.6576% | 430 |
| Noninterest income to average assets | 0.9887% | 1,043 |
| Noninterest expense to average assets | 3.9248% | 582 |
| Loan and lease loss provision to assets | 0.1156% | 1,778 |
| Net operating income to assets | 0.8367% | 3,217 |
| Return on assets (ROA) | 0.8367% | 3,269 |
| Pretax return on assets | 1.0965% | 3,197 |
| Return on Equity (ROE) | 8.8922% | 2,561 |
| Retained earnings to average equity (ytd only) | 5.5783% | 2,366 |
| Net charge-offs to loans | 0.0684% | 1,948 |
| Credit loss provision to net charge-offs | 240.5405% | 1,113 |
| Earnings coverage of net charge-offs (x) | 25.2162% | 1,613 |
| Efficiency ratio | 72.6606% | 2,239 |
| Assets per employee ($millions) | 2.8313% | 5,399 |
| Cash dividends to net income (ytd only)* | 37.2671% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,652 |
| Loan loss allowance to noncurrent loans | 321.3699% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 4,214 |
| Noncurrent loans to loans | 0.3386% | 3,832 |
| Net loans and leases to total assets | 68.4628% | 2,740 |
| Net loans and leases to deposits | 81.7992% | 2,717 |
| Net loans and leases to core deposits | 83.7270% | 3,098 |
| Total domestic deposits to total assets | 83.6962% | 3,324 |
| Equity capital to assets | 9.5400% | 4,371 |
| Core capital (leverage) ratio | 8.7307% | 5,025 |
| Tier 1 risk-based capital ratio | 12.9735% | 4,010 |
| Total risk-based capital ratio | 14.1026% | 4,003 |
| Memoranda: | ||
| Average total assets | $153,944,330 | 3,467 |
| Average earning assets | $137,110,000 | 3,537 |
| Average equity | $14,484,670 | 3,822 |
| Average total loans | $108,116,330 | 3,248 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0660% | 470 |
| Cost of funding earning assets | 0.4087% | 2,911 |
| Net interest margin | 4.6573% | 401 |
| Noninterest income to average assets | 0.9853% | 1,035 |
| Noninterest expense to average assets | 3.9541% | 567 |
| Loan and lease loss provision to assets | 0.1542% | 1,187 |
| Net operating income to assets | 0.7814% | 3,302 |
| Return on assets (ROA) | 0.7814% | 3,357 |
| Pretax return on assets | 1.0166% | 3,295 |
| Return on Equity (ROE) | 8.3642% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.3642% | 1,319 |
| Net charge-offs to loans | 0.0813% | 1,530 |
| Credit loss provision to net charge-offs | 268.1818% | 842 |
| Earnings coverage of net charge-offs (x) | 20.3636% | 1,484 |
| Efficiency ratio | 73.3809% | 2,346 |
| Assets per employee ($millions) | 2.8652% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,948 |
| Loan loss allowance to noncurrent loans | 296.9231% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 3,473 |
| Noncurrent loans to loans | 0.3557% | 3,821 |
| Net loans and leases to total assets | 70.1109% | 2,361 |
| Net loans and leases to deposits | 83.9982% | 2,289 |
| Net loans and leases to core deposits | 85.8191% | 2,733 |
| Total domestic deposits to total assets | 83.4671% | 3,669 |
| Equity capital to assets | 9.3826% | 4,408 |
| Core capital (leverage) ratio | 8.6741% | 5,073 |
| Tier 1 risk-based capital ratio | 12.7443% | 4,229 |
| Total risk-based capital ratio | 13.8528% | 4,230 |
| Memoranda: | ||
| Average total assets | $153,054,500 | 3,514 |
| Average earning assets | $136,043,500 | 3,587 |
| Average equity | $14,299,000 | 3,875 |
| Average total loans | $108,281,500 | 3,272 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 397 |
| Cost of funding earning assets | 0.3775% | 3,232 |
| Net interest margin | 4.8509% | 315 |
| Noninterest income to average assets | 0.9957% | 1,163 |
| Noninterest expense to average assets | 4.4170% | 408 |
| Loan and lease loss provision to assets | 0.1837% | 1,288 |
| Net operating income to assets | 0.5502% | 4,436 |
| Return on assets (ROA) | 0.5799% | 4,406 |
| Pretax return on assets | 0.7019% | 4,480 |
| Return on Equity (ROE) | 5.7237% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.0210% | 4,388 |
| Net charge-offs to loans | 0.1123% | 2,141 |
| Credit loss provision to net charge-offs | 233.9286% | 1,231 |
| Earnings coverage of net charge-offs (x) | 10.8214% | 2,598 |
| Efficiency ratio | 80.2556% | 1,392 |
| Assets per employee ($millions) | 2.7525% | 5,528 |
| Cash dividends to net income (ytd only)* | 64.6917% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 4,023 |
| Loan loss allowance to noncurrent loans | 261.9159% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 3,408 |
| Noncurrent loans to loans | 0.4003% | 3,715 |
| Net loans and leases to total assets | 69.8917% | 2,491 |
| Net loans and leases to deposits | 82.3991% | 2,618 |
| Net loans and leases to core deposits | 84.4288% | 2,986 |
| Total domestic deposits to total assets | 84.8210% | 3,122 |
| Equity capital to assets | 9.3013% | 4,473 |
| Core capital (leverage) ratio | 9.0657% | 4,663 |
| Tier 1 risk-based capital ratio | 13.0367% | 4,046 |
| Total risk-based capital ratio | 14.1344% | 4,038 |
| Memoranda: | ||
| Average total assets | $142,606,800 | 3,629 |
| Average earning assets | $125,563,600 | 3,728 |
| Average equity | $14,448,600 | 3,880 |
| Average total loans | $99,756,200 | 3,387 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2839% | 377 |
| Cost of funding earning assets | 0.3828% | 3,201 |
| Net interest margin | 4.9012% | 303 |
| Noninterest income to average assets | 0.9923% | 1,161 |
| Noninterest expense to average assets | 4.5085% | 381 |
| Loan and lease loss provision to assets | 0.1538% | 1,515 |
| Net operating income to assets | 0.5295% | 4,574 |
| Return on assets (ROA) | 0.5697% | 4,521 |
| Pretax return on assets | 0.6827% | 4,660 |
| Return on Equity (ROE) | 5.5017% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.8054% | 3,602 |
| Net charge-offs to loans | 0.1021% | 1,927 |
| Credit loss provision to net charge-offs | 216.0000% | 1,358 |
| Earnings coverage of net charge-offs (x) | 11.0664% | 2,529 |
| Efficiency ratio | 81.5884% | 1,239 |
| Assets per employee ($millions) | 2.6911% | 5,609 |
| Cash dividends to net income (ytd only)* | 30.8333% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 4,322 |
| Loan loss allowance to noncurrent loans | 184.6422% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 3,898 |
| Noncurrent loans to loans | 0.5499% | 3,349 |
| Net loans and leases to total assets | 68.4391% | 2,736 |
| Net loans and leases to deposits | 79.4676% | 3,021 |
| Net loans and leases to core deposits | 81.4495% | 3,329 |
| Total domestic deposits to total assets | 86.1220% | 2,296 |
| Equity capital to assets | 9.8315% | 4,323 |
| Core capital (leverage) ratio | 9.0495% | 4,778 |
| Tier 1 risk-based capital ratio | 13.6228% | 3,786 |
| Total risk-based capital ratio | 14.6997% | 3,802 |
| Memoranda: | ||
| Average total assets | $140,411,750 | 3,687 |
| Average earning assets | $123,314,500 | 3,793 |
| Average equity | $14,540,500 | 3,907 |
| Average total loans | $97,963,250 | 3,429 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 354 |
| Cost of funding earning assets | 0.3829% | 3,233 |
| Net interest margin | 4.9247% | 302 |
| Noninterest income to average assets | 0.9665% | 1,200 |
| Noninterest expense to average assets | 4.6079% | 346 |
| Loan and lease loss provision to assets | 0.1489% | 1,543 |
| Net operating income to assets | 0.4539% | 4,857 |
| Return on assets (ROA) | 0.5066% | 4,763 |
| Pretax return on assets | 0.5899% | 4,908 |
| Return on Equity (ROE) | 4.8032% | 4,600 |
| Retained earnings to average equity (ytd only) | 2.2424% | 4,450 |
| Net charge-offs to loans | 0.1189% | 1,644 |
| Credit loss provision to net charge-offs | 178.9474% | 1,408 |
| Earnings coverage of net charge-offs (x) | 8.1404% | 2,545 |
| Efficiency ratio | 83.7845% | 1,067 |
| Assets per employee ($millions) | 2.6010% | 5,736 |
| Cash dividends to net income (ytd only)* | 53.3141% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 4,730 |
| Loan loss allowance to noncurrent loans | 346.7577% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 4,644 |
| Noncurrent loans to loans | 0.2759% | 4,379 |
| Net loans and leases to total assets | 70.9374% | 2,335 |
| Net loans and leases to deposits | 84.2781% | 2,431 |
| Net loans and leases to core deposits | 86.5097% | 2,856 |
| Total domestic deposits to total assets | 84.1706% | 3,207 |
| Equity capital to assets | 9.8128% | 4,434 |
| Core capital (leverage) ratio | 8.9969% | 4,835 |
| Tier 1 risk-based capital ratio | 12.8590% | 4,281 |
| Total risk-based capital ratio | 13.8573% | 4,350 |
| Memoranda: | ||
| Average total assets | $136,982,670 | 3,772 |
| Average earning assets | $120,130,000 | 3,876 |
| Average equity | $14,448,670 | 3,941 |
| Average total loans | $95,886,000 | 3,484 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 422 |
| Cost of funding earning assets | 0.3752% | 3,351 |
| Net interest margin | 4.8219% | 347 |
| Noninterest income to average assets | 1.0080% | 1,061 |
| Noninterest expense to average assets | 4.7843% | 315 |
| Loan and lease loss provision to assets | 0.1127% | 1,855 |
| Net operating income to assets | 0.3472% | 5,160 |
| Return on assets (ROA) | 0.3472% | 5,248 |
| Pretax return on assets | 0.3380% | 5,437 |
| Return on Equity (ROE) | 3.1669% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.1669% | 3,927 |
| Net charge-offs to loans | 0.0617% | 1,880 |
| Credit loss provision to net charge-offs | 264.2857% | 917 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 1,912 |
| Efficiency ratio | 88.5398% | 773 |
| Assets per employee ($millions) | 2.4800% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 4,803 |
| Loan loss allowance to noncurrent loans | 1,035.4167% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 5,337 |
| Noncurrent loans to loans | 0.0928% | 5,104 |
| Net loans and leases to total assets | 70.0501% | 2,332 |
| Net loans and leases to deposits | 80.1310% | 2,776 |
| Net loans and leases to core deposits | 82.2161% | 3,112 |
| Total domestic deposits to total assets | 87.4194% | 1,979 |
| Equity capital to assets | 9.9049% | 4,207 |
| Core capital (leverage) ratio | 9.8009% | 3,776 |
| Tier 1 risk-based capital ratio | 13.3309% | 4,078 |
| Total risk-based capital ratio | 14.3506% | 4,117 |
| Memoranda: | ||
| Average total assets | $131,346,000 | 3,890 |
| Average earning assets | $115,140,500 | 3,988 |
| Average equity | $14,399,000 | 3,951 |
| Average total loans | $90,736,500 | 3,607 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 446 |
| Cost of funding earning assets | 0.3422% | 3,773 |
| Net interest margin | 4.8379% | 340 |
| Noninterest income to average assets | 1.0390% | 1,093 |
| Noninterest expense to average assets | 4.2812% | 501 |
| Loan and lease loss provision to assets | 0.0219% | 3,948 |
| Net operating income to assets | 0.8373% | 3,172 |
| Return on assets (ROA) | 0.8373% | 3,241 |
| Pretax return on assets | 1.0740% | 3,177 |
| Return on Equity (ROE) | 8.2035% | 2,842 |
| Retained earnings to average equity (ytd only) | 5.3258% | 2,190 |
| Net charge-offs to loans | 0.0580% | 3,057 |
| Credit loss provision to net charge-offs | 55.5556% | 3,322 |
| Earnings coverage of net charge-offs (x) | 27.7778% | 1,536 |
| Efficiency ratio | 79.5532% | 1,737 |
| Assets per employee ($millions) | 2.5298% | 5,876 |
| Cash dividends to net income (ytd only)* | 35.0785% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 3,210 |
| Loan loss allowance to noncurrent loans | 1,645.7627% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 5,475 |
| Noncurrent loans to loans | 0.0757% | 5,200 |
| Net loans and leases to total assets | 66.1763% | 2,958 |
| Net loans and leases to deposits | 79.2423% | 2,914 |
| Net loans and leases to core deposits | 81.7368% | 3,176 |
| Total domestic deposits to total assets | 83.5114% | 3,667 |
| Equity capital to assets | 12.2926% | 1,749 |
| Core capital (leverage) ratio | 12.4282% | 1,384 |
| Tier 1 risk-based capital ratio | 19.6548% | 1,553 |
| Total risk-based capital ratio | 20.9053% | 1,525 |
| Memoranda: | ||
| Average total assets | $114,057,200 | 4,175 |
| Average earning assets | $102,276,400 | 4,236 |
| Average equity | $11,641,400 | 4,360 |
| Average total loans | $77,530,600 | 3,897 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 435 |
| Cost of funding earning assets | 0.3391% | 3,868 |
| Net interest margin | 4.8741% | 326 |
| Noninterest income to average assets | 1.0386% | 1,106 |
| Noninterest expense to average assets | 4.0946% | 600 |
| Loan and lease loss provision to assets | 0.0188% | 3,897 |
| Net operating income to assets | 0.9999% | 2,469 |
| Return on assets (ROA) | 0.9999% | 2,561 |
| Pretax return on assets | 1.3159% | 2,330 |
| Return on Equity (ROE) | 10.3379% | 1,956 |
| Retained earnings to average equity (ytd only) | 8.2120% | 1,157 |
| Net charge-offs to loans | 0.0499% | 2,902 |
| Credit loss provision to net charge-offs | 55.1724% | 2,975 |
| Earnings coverage of net charge-offs (x) | 39.1681% | 1,264 |
| Efficiency ratio | 75.3300% | 2,345 |
| Assets per employee ($millions) | 2.4639% | 5,975 |
| Cash dividends to net income (ytd only)* | 20.5642% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 3,463 |
| Loan loss allowance to noncurrent loans | 1,686.2069% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 5,576 |
| Noncurrent loans to loans | 0.0732% | 5,337 |
| Net loans and leases to total assets | 67.5789% | 2,754 |
| Net loans and leases to deposits | 80.3254% | 2,848 |
| Net loans and leases to core deposits | 83.5535% | 3,093 |
| Total domestic deposits to total assets | 84.1314% | 3,369 |
| Equity capital to assets | 9.8030% | 4,389 |
| Core capital (leverage) ratio | 9.4504% | 4,367 |
| Tier 1 risk-based capital ratio | 15.5098% | 3,041 |
| Total risk-based capital ratio | 16.7604% | 2,967 |
| Memoranda: | ||
| Average total assets | $113,478,750 | 4,233 |
| Average earning assets | $102,225,750 | 4,272 |
| Average equity | $10,975,500 | 4,537 |
| Average total loans | $77,418,000 | 3,936 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 440 |
| Cost of funding earning assets | 0.3389% | 3,937 |
| Net interest margin | 4.8418% | 333 |
| Noninterest income to average assets | 1.0399% | 1,095 |
| Noninterest expense to average assets | 4.0690% | 627 |
| Loan and lease loss provision to assets | 0.0053% | 3,994 |
| Net operating income to assets | 1.0026% | 2,377 |
| Return on assets (ROA) | 1.0026% | 2,483 |
| Pretax return on assets | 1.3256% | 2,259 |
| Return on Equity (ROE) | 10.4147% | 1,886 |
| Retained earnings to average equity (ytd only) | 7.1889% | 1,619 |
| Net charge-offs to loans | 0.0469% | 2,763 |
| Credit loss provision to net charge-offs | 16.6667% | 3,049 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 1,102 |
| Efficiency ratio | 75.2218% | 2,511 |
| Assets per employee ($millions) | 2.4867% | 6,037 |
| Cash dividends to net income (ytd only)* | 30.9735% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 3,796 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 3,872 |
| Noncurrent loans to loans | 0.7493% | 3,236 |
| Net loans and leases to total assets | 68.8165% | 2,515 |
| Net loans and leases to deposits | 83.5376% | 2,378 |
| Net loans and leases to core deposits | 86.9617% | 2,658 |
| Total domestic deposits to total assets | 82.3779% | 4,159 |
| Equity capital to assets | 9.3775% | 4,812 |
| Core capital (leverage) ratio | 9.5175% | 4,259 |
| Tier 1 risk-based capital ratio | 14.5544% | 3,603 |
| Total risk-based capital ratio | 15.8048% | 3,531 |
| Memoranda: | ||
| Average total assets | $112,704,670 | 4,283 |
| Average earning assets | $101,490,670 | 4,330 |
| Average equity | $10,850,000 | 4,593 |
| Average total loans | $76,812,330 | 3,984 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1382% | 456 |
| Cost of funding earning assets | 0.3377% | 4,005 |
| Net interest margin | 4.8005% | 352 |
| Noninterest income to average assets | 1.0884% | 958 |
| Noninterest expense to average assets | 4.1765% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9402% | 2,559 |
| Return on assets (ROA) | 0.9402% | 2,693 |
| Pretax return on assets | 1.2294% | 2,550 |
| Return on Equity (ROE) | 9.6341% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.6341% | 1,010 |
| Net charge-offs to loans | 0.0590% | 2,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 30.9091% | 1,136 |
| Efficiency ratio | 76.9900% | 2,341 |
| Assets per employee ($millions) | 2.4636% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 3,486 |
| Loan loss allowance to noncurrent loans | 284.0580% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 4,755 |
| Noncurrent loans to loans | 0.4527% | 4,225 |
| Net loans and leases to total assets | 66.3855% | 2,712 |
| Net loans and leases to deposits | 78.8777% | 2,699 |
| Net loans and leases to core deposits | 81.4631% | 3,013 |
| Total domestic deposits to total assets | 84.1625% | 3,753 |
| Equity capital to assets | 9.6677% | 4,556 |
| Core capital (leverage) ratio | 9.6446% | 4,091 |
| Tier 1 risk-based capital ratio | 15.3174% | 3,252 |
| Total risk-based capital ratio | 16.5691% | 3,182 |
| Memoranda: | ||
| Average total assets | $110,619,000 | 4,355 |
| Average earning assets | $99,490,500 | 4,410 |
| Average equity | $10,795,000 | 4,645 |
| Average total loans | $74,515,500 | 4,065 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2158% | 508 |
| Cost of funding earning assets | 0.3622% | 4,118 |
| Net interest margin | 4.8536% | 394 |
| Noninterest income to average assets | 1.1201% | 973 |
| Noninterest expense to average assets | 4.2027% | 600 |
| Loan and lease loss provision to assets | 0.0552% | 3,446 |
| Net operating income to assets | 0.9203% | 2,775 |
| Return on assets (ROA) | 0.9203% | 2,869 |
| Pretax return on assets | 1.1982% | 2,658 |
| Return on Equity (ROE) | 9.1060% | 2,536 |
| Retained earnings to average equity (ytd only) | 1.8080% | 4,907 |
| Net charge-offs to loans | 0.0056% | 4,821 |
| Credit loss provision to net charge-offs | 1,450.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 329.2500% | 167 |
| Efficiency ratio | 76.6440% | 2,421 |
| Assets per employee ($millions) | 2.4525% | 6,187 |
| Cash dividends to net income (ytd only)* | 80.1448% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 3,132 |
| Loan loss allowance to noncurrent loans | 176.6488% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 4,064 |
| Noncurrent loans to loans | 0.7704% | 3,388 |
| Net loans and leases to total assets | 66.5616% | 2,800 |
| Net loans and leases to deposits | 80.2592% | 2,685 |
| Net loans and leases to core deposits | 82.6616% | 3,033 |
| Total domestic deposits to total assets | 82.9333% | 4,105 |
| Equity capital to assets | 9.8543% | 4,286 |
| Core capital (leverage) ratio | 9.8387% | 3,787 |
| Tier 1 risk-based capital ratio | 15.5071% | 3,228 |
| Total risk-based capital ratio | 16.7603% | 3,158 |
| Memoranda: | ||
| Average total assets | $105,076,200 | 4,478 |
| Average earning assets | $93,869,400 | 4,558 |
| Average equity | $10,619,400 | 4,633 |
| Average total loans | $70,864,200 | 4,152 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2445% | 477 |
| Cost of funding earning assets | 0.3692% | 4,133 |
| Net interest margin | 4.8753% | 358 |
| Noninterest income to average assets | 1.1255% | 956 |
| Noninterest expense to average assets | 4.2388% | 590 |
| Loan and lease loss provision to assets | 0.0473% | 3,431 |
| Net operating income to assets | 0.9198% | 2,821 |
| Return on assets (ROA) | 0.9198% | 2,916 |
| Pretax return on assets | 1.1919% | 2,811 |
| Return on Equity (ROE) | 9.0430% | 2,657 |
| Retained earnings to average equity (ytd only) | 4.6471% | 3,326 |
| Net charge-offs to loans | 0.0038% | 4,568 |
| Credit loss provision to net charge-offs | 1,850.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 484.3820% | 158 |
| Efficiency ratio | 77.0056% | 2,354 |
| Assets per employee ($millions) | 2.2151% | 6,372 |
| Cash dividends to net income (ytd only)* | 48.6114% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 3,396 |
| Loan loss allowance to noncurrent loans | 237.0732% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 4,744 |
| Noncurrent loans to loans | 0.5696% | 4,212 |
| Net loans and leases to total assets | 68.2006% | 2,497 |
| Net loans and leases to deposits | 80.4626% | 2,623 |
| Net loans and leases to core deposits | 82.9769% | 3,004 |
| Total domestic deposits to total assets | 84.7606% | 3,438 |
| Equity capital to assets | 10.3773% | 3,702 |
| Core capital (leverage) ratio | 10.0555% | 3,591 |
| Tier 1 risk-based capital ratio | 16.1367% | 2,993 |
| Total risk-based capital ratio | 17.3889% | 2,944 |
| Memoranda: | ||
| Average total assets | $104,367,250 | 4,533 |
| Average earning assets | $93,175,250 | 4,619 |
| Average equity | $10,615,750 | 4,668 |
| Average total loans | $70,375,500 | 4,207 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 511 |
| Cost of funding earning assets | 0.3686% | 4,228 |
| Net interest margin | 4.8283% | 394 |
| Noninterest income to average assets | 1.1220% | 940 |
| Noninterest expense to average assets | 4.1416% | 637 |
| Loan and lease loss provision to assets | 0.0077% | 4,084 |
| Net operating income to assets | 0.9823% | 2,396 |
| Return on assets (ROA) | 0.9823% | 2,474 |
| Pretax return on assets | 1.2867% | 2,308 |
| Return on Equity (ROE) | 9.7224% | 2,273 |
| Retained earnings to average equity (ytd only) | 3.0892% | 4,238 |
| Net charge-offs to loans | -0.0200% | 5,545 |
| Credit loss provision to net charge-offs | -57.1429% | 5,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8013% | 2,672 |
| Assets per employee ($millions) | 2.2427% | 6,425 |
| Cash dividends to net income (ytd only)* | 68.2261% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 3,569 |
| Loan loss allowance to noncurrent loans | 250.7937% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 4,926 |
| Noncurrent loans to loans | 0.5399% | 4,390 |
| Net loans and leases to total assets | 66.9491% | 2,593 |
| Net loans and leases to deposits | 77.6927% | 2,838 |
| Net loans and leases to core deposits | 80.1011% | 3,200 |
| Total domestic deposits to total assets | 86.1717% | 2,954 |
| Equity capital to assets | 10.3223% | 3,656 |
| Core capital (leverage) ratio | 9.9500% | 3,680 |
| Tier 1 risk-based capital ratio | 16.1561% | 3,003 |
| Total risk-based capital ratio | 17.4089% | 2,951 |
| Memoranda: | ||
| Average total assets | $104,452,330 | 4,571 |
| Average earning assets | $93,325,670 | 4,650 |
| Average equity | $10,553,000 | 4,693 |
| Average total loans | $69,841,670 | 4,240 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 526 |
| Cost of funding earning assets | 0.3660% | 4,369 |
| Net interest margin | 4.7920% | 391 |
| Noninterest income to average assets | 1.1494% | 842 |
| Noninterest expense to average assets | 4.1105% | 671 |
| Loan and lease loss provision to assets | -0.0114% | 6,402 |
| Net operating income to assets | 1.0162% | 2,146 |
| Return on assets (ROA) | 1.0162% | 2,211 |
| Pretax return on assets | 1.3359% | 1,976 |
| Return on Equity (ROE) | 10.1666% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.1666% | 921 |
| Net charge-offs to loans | -0.0688% | 5,950 |
| Credit loss provision to net charge-offs | 25.0000% | 2,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2801% | 2,911 |
| Assets per employee ($millions) | 2.3441% | 6,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 3,877 |
| Loan loss allowance to noncurrent loans | 273.4104% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 5,186 |
| Noncurrent loans to loans | 0.4919% | 4,684 |
| Net loans and leases to total assets | 64.3513% | 2,832 |
| Net loans and leases to deposits | 78.3183% | 2,505 |
| Net loans and leases to core deposits | 80.7537% | 2,881 |
| Total domestic deposits to total assets | 82.1664% | 4,898 |
| Equity capital to assets | 9.9518% | 3,902 |
| Core capital (leverage) ratio | 9.9508% | 3,636 |
| Tier 1 risk-based capital ratio | 16.1704% | 3,071 |
| Total risk-based capital ratio | 17.4235% | 3,035 |
| Memoranda: | ||
| Average total assets | $105,096,000 | 4,604 |
| Average earning assets | $93,990,500 | 4,687 |
| Average equity | $10,505,000 | 4,726 |
| Average total loans | $69,754,500 | 4,270 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5504% | 331 |
| Cost of funding earning assets | 0.4334% | 4,279 |
| Net interest margin | 5.1170% | 246 |
| Noninterest income to average assets | 1.1647% | 1,037 |
| Noninterest expense to average assets | 4.4447% | 548 |
| Loan and lease loss provision to assets | 0.0268% | 4,594 |
| Net operating income to assets | 0.9576% | 2,527 |
| Return on assets (ROA) | 0.9683% | 2,546 |
| Pretax return on assets | 1.2640% | 2,301 |
| Return on Equity (ROE) | 9.5743% | 2,292 |
| Retained earnings to average equity (ytd only) | 6.3861% | 1,751 |
| Net charge-offs to loans | 0.0147% | 5,153 |
| Credit loss provision to net charge-offs | 270.0000% | 836 |
| Earnings coverage of net charge-offs (x) | 128.7000% | 362 |
| Efficiency ratio | 77.3019% | 2,572 |
| Assets per employee ($millions) | 2.4372% | 6,438 |
| Cash dividends to net income (ytd only)* | 33.2992% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,869 |
| Loan loss allowance to noncurrent loans | 4,685.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 6,350 |
| Noncurrent loans to loans | 0.0289% | 6,168 |
| Net loans and leases to total assets | 66.6615% | 2,585 |
| Net loans and leases to deposits | 81.7521% | 2,211 |
| Net loans and leases to core deposits | 84.4526% | 2,628 |
| Total domestic deposits to total assets | 81.5410% | 5,025 |
| Equity capital to assets | 10.0418% | 3,713 |
| Core capital (leverage) ratio | 10.0214% | 3,531 |
| Tier 1 risk-based capital ratio | 15.9483% | 3,119 |
| Total risk-based capital ratio | 17.2015% | 3,077 |
| Memoranda: | ||
| Average total assets | $100,795,000 | 4,719 |
| Average earning assets | $89,758,800 | 4,779 |
| Average equity | $10,194,000 | 4,796 |
| Average total loans | $67,977,000 | 4,343 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5788% | 330 |
| Cost of funding earning assets | 0.4464% | 4,319 |
| Net interest margin | 5.1325% | 241 |
| Noninterest income to average assets | 1.1925% | 1,035 |
| Noninterest expense to average assets | 4.3344% | 608 |
| Loan and lease loss provision to assets | 0.0199% | 4,606 |
| Net operating income to assets | 1.0602% | 2,145 |
| Return on assets (ROA) | 1.0743% | 2,184 |
| Pretax return on assets | 1.4222% | 1,861 |
| Return on Equity (ROE) | 10.6032% | 1,961 |
| Retained earnings to average equity (ytd only) | 8.9649% | 1,066 |
| Net charge-offs to loans | 0.0059% | 5,063 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 357.3250% | 165 |
| Efficiency ratio | 74.9077% | 2,925 |
| Assets per employee ($millions) | 2.3264% | 6,581 |
| Cash dividends to net income (ytd only)* | 15.4509% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,105 |
| Loan loss allowance to noncurrent loans | 3,883.3333% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 6,413 |
| Noncurrent loans to loans | 0.0349% | 6,237 |
| Net loans and leases to total assets | 66.2417% | 2,592 |
| Net loans and leases to deposits | 79.6970% | 2,449 |
| Net loans and leases to core deposits | 82.2751% | 2,849 |
| Total domestic deposits to total assets | 83.1169% | 4,535 |
| Equity capital to assets | 10.0759% | 3,799 |
| Core capital (leverage) ratio | 9.9386% | 3,758 |
| Tier 1 risk-based capital ratio | 16.0728% | 3,155 |
| Total risk-based capital ratio | 17.3261% | 3,111 |
| Memoranda: | ||
| Average total assets | $100,403,250 | 4,773 |
| Average earning assets | $89,311,250 | 4,837 |
| Average equity | $10,172,750 | 4,852 |
| Average total loans | $67,678,000 | 4,381 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5456% | 352 |
| Cost of funding earning assets | 0.4591% | 4,323 |
| Net interest margin | 5.0864% | 266 |
| Noninterest income to average assets | 1.1469% | 1,157 |
| Noninterest expense to average assets | 4.3088% | 622 |
| Loan and lease loss provision to assets | 0.0201% | 4,495 |
| Net operating income to assets | 1.0233% | 2,224 |
| Return on assets (ROA) | 1.0446% | 2,257 |
| Pretax return on assets | 1.3774% | 2,011 |
| Return on Equity (ROE) | 10.2907% | 2,090 |
| Retained earnings to average equity (ytd only) | 7.8217% | 1,557 |
| Net charge-offs to loans | 0.0059% | 4,773 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 341.5000% | 143 |
| Efficiency ratio | 75.4944% | 2,859 |
| Assets per employee ($millions) | 2.3128% | 6,631 |
| Cash dividends to net income (ytd only)* | 23.9923% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 4,238 |
| Loan loss allowance to noncurrent loans | 1,427.6923% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 6,310 |
| Noncurrent loans to loans | 0.0950% | 6,113 |
| Net loans and leases to total assets | 66.3486% | 2,531 |
| Net loans and leases to deposits | 80.1161% | 2,304 |
| Net loans and leases to core deposits | 82.2245% | 2,779 |
| Total domestic deposits to total assets | 82.8156% | 4,776 |
| Equity capital to assets | 9.9026% | 4,052 |
| Core capital (leverage) ratio | 9.8082% | 3,781 |
| Tier 1 risk-based capital ratio | 15.6078% | 3,424 |
| Total risk-based capital ratio | 16.8608% | 3,371 |
| Memoranda: | ||
| Average total assets | $99,750,000 | 4,826 |
| Average earning assets | $88,864,000 | 4,874 |
| Average equity | $10,125,670 | 4,910 |
| Average total loans | $67,324,330 | 4,410 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 347 |
| Cost of funding earning assets | 0.4793% | 4,284 |
| Net interest margin | 5.0618% | 259 |
| Noninterest income to average assets | 1.2477% | 981 |
| Noninterest expense to average assets | 4.3466% | 607 |
| Loan and lease loss provision to assets | 0.0203% | 4,217 |
| Net operating income to assets | 1.0451% | 2,058 |
| Return on assets (ROA) | 1.0451% | 2,164 |
| Pretax return on assets | 1.3732% | 1,952 |
| Return on Equity (ROE) | 10.1675% | 2,002 |
| Retained earnings to average equity (ytd only) | 10.1675% | 1,066 |
| Net charge-offs to loans | -0.0419% | 6,052 |
| Credit loss provision to net charge-offs | -71.4286% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3705% | 3,030 |
| Assets per employee ($millions) | 2.4156% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 4,292 |
| Loan loss allowance to noncurrent loans | 1,370.5882% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 5,840 |
| Noncurrent loans to loans | 0.1014% | 6,177 |
| Net loans and leases to total assets | 66.7461% | 2,237 |
| Net loans and leases to deposits | 77.4178% | 2,430 |
| Net loans and leases to core deposits | 79.0453% | 2,921 |
| Total domestic deposits to total assets | 86.2154% | 3,406 |
| Equity capital to assets | 10.3839% | 3,693 |
| Core capital (leverage) ratio | 10.0139% | 3,365 |
| Tier 1 risk-based capital ratio | 15.7569% | 3,396 |
| Total risk-based capital ratio | 17.0100% | 3,353 |
| Memoranda: | ||
| Average total assets | $98,744,500 | 4,892 |
| Average earning assets | $87,636,500 | 4,944 |
| Average equity | $10,150,000 | 4,955 |
| Average total loans | $66,764,000 | 4,461 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7056% | 428 |
| Cost of funding earning assets | 0.6112% | 4,236 |
| Net interest margin | 5.0945% | 326 |
| Noninterest income to average assets | 1.2663% | 972 |
| Noninterest expense to average assets | 4.5576% | 549 |
| Loan and lease loss provision to assets | 0.0436% | 5,305 |
| Net operating income to assets | 0.9211% | 2,702 |
| Return on assets (ROA) | 0.9523% | 2,785 |
| Pretax return on assets | 1.2319% | 2,672 |
| Return on Equity (ROE) | 9.1695% | 2,547 |
| Retained earnings to average equity (ytd only) | -3.5117% | 6,308 |
| Net charge-offs to loans | 0.1930% | 3,828 |
| Credit loss provision to net charge-offs | 33.5938% | 5,050 |
| Earnings coverage of net charge-offs (x) | 9.5234% | 2,260 |
| Efficiency ratio | 78.2966% | 2,394 |
| Assets per employee ($millions) | 2.1878% | 6,841 |
| Cash dividends to net income (ytd only)* | 138.2979% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 4,247 |
| Loan loss allowance to noncurrent loans | 1,194.8052% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 5,908 |
| Noncurrent loans to loans | 0.1158% | 6,196 |
| Net loans and leases to total assets | 66.6037% | 2,438 |
| Net loans and leases to deposits | 78.1075% | 2,513 |
| Net loans and leases to core deposits | 80.3923% | 2,959 |
| Total domestic deposits to total assets | 85.2719% | 3,726 |
| Equity capital to assets | 10.1736% | 3,924 |
| Core capital (leverage) ratio | 9.7629% | 3,709 |
| Tier 1 risk-based capital ratio | 15.5078% | 3,420 |
| Total risk-based capital ratio | 16.7603% | 3,380 |
| Memoranda: | ||
| Average total assets | $98,713,200 | 4,866 |
| Average earning assets | $87,703,000 | 4,922 |
| Average equity | $10,251,400 | 4,923 |
| Average total loans | $66,338,200 | 4,488 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7283% | 441 |
| Cost of funding earning assets | 0.6270% | 4,392 |
| Net interest margin | 5.1013% | 338 |
| Noninterest income to average assets | 1.2404% | 972 |
| Noninterest expense to average assets | 4.6257% | 488 |
| Loan and lease loss provision to assets | 0.0202% | 5,545 |
| Net operating income to assets | 0.8784% | 3,086 |
| Return on assets (ROA) | 0.9206% | 3,102 |
| Pretax return on assets | 1.1838% | 3,047 |
| Return on Equity (ROE) | 8.8195% | 2,891 |
| Retained earnings to average equity (ytd only) | 2.3536% | 5,155 |
| Net charge-offs to loans | 0.1649% | 3,804 |
| Credit loss provision to net charge-offs | 18.2927% | 4,981 |
| Earnings coverage of net charge-offs (x) | 10.3903% | 2,193 |
| Efficiency ratio | 79.7149% | 2,137 |
| Assets per employee ($millions) | 2.2642% | 6,884 |
| Cash dividends to net income (ytd only)* | 73.3138% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 4,355 |
| Loan loss allowance to noncurrent loans | 346.1255% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 5,311 |
| Noncurrent loans to loans | 0.4055% | 5,643 |
| Net loans and leases to total assets | 66.1337% | 2,626 |
| Net loans and leases to deposits | 75.5709% | 3,045 |
| Net loans and leases to core deposits | 78.1628% | 3,434 |
| Total domestic deposits to total assets | 87.5120% | 2,340 |
| Equity capital to assets | 10.6480% | 3,674 |
| Core capital (leverage) ratio | 10.0590% | 3,461 |
| Tier 1 risk-based capital ratio | 16.4742% | 3,016 |
| Total risk-based capital ratio | 17.7272% | 2,979 |
| Memoranda: | ||
| Average total assets | $98,778,750 | 4,911 |
| Average earning assets | $87,819,250 | 4,971 |
| Average equity | $10,310,250 | 4,958 |
| Average total loans | $66,299,750 | 4,538 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7439% | 445 |
| Cost of funding earning assets | 0.6458% | 4,478 |
| Net interest margin | 5.0981% | 338 |
| Noninterest income to average assets | 1.2711% | 885 |
| Noninterest expense to average assets | 4.6113% | 500 |
| Loan and lease loss provision to assets | 0.0122% | 5,514 |
| Net operating income to assets | 0.9121% | 2,852 |
| Return on assets (ROA) | 0.9340% | 3,007 |
| Pretax return on assets | 1.2122% | 2,869 |
| Return on Equity (ROE) | 9.0099% | 2,811 |
| Retained earnings to average equity (ytd only) | -0.7835% | 6,176 |
| Net charge-offs to loans | 0.1784% | 3,528 |
| Credit loss provision to net charge-offs | 10.1695% | 4,736 |
| Earnings coverage of net charge-offs (x) | 9.9831% | 2,111 |
| Efficiency ratio | 79.0210% | 2,322 |
| Assets per employee ($millions) | 2.1886% | 6,977 |
| Cash dividends to net income (ytd only)* | 108.6957% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 4,314 |
| Loan loss allowance to noncurrent loans | 466.6667% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 5,368 |
| Noncurrent loans to loans | 0.3076% | 5,939 |
| Net loans and leases to total assets | 66.3800% | 2,599 |
| Net loans and leases to deposits | 75.8323% | 3,016 |
| Net loans and leases to core deposits | 78.4607% | 3,452 |
| Total domestic deposits to total assets | 87.5353% | 2,445 |
| Equity capital to assets | 10.4756% | 3,717 |
| Core capital (leverage) ratio | 9.9168% | 3,538 |
| Tier 1 risk-based capital ratio | 16.3210% | 2,995 |
| Total risk-based capital ratio | 17.5746% | 2,973 |
| Memoranda: | ||
| Average total assets | $98,497,000 | 4,940 |
| Average earning assets | $87,640,330 | 5,002 |
| Average equity | $10,211,000 | 4,981 |
| Average total loans | $66,125,330 | 4,557 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7387% | 480 |
| Cost of funding earning assets | 0.6483% | 4,748 |
| Net interest margin | 5.0904% | 347 |
| Noninterest income to average assets | 1.2629% | 890 |
| Noninterest expense to average assets | 4.5319% | 540 |
| Loan and lease loss provision to assets | 0.0122% | 5,152 |
| Net operating income to assets | 0.9502% | 2,694 |
| Return on assets (ROA) | 0.9502% | 2,906 |
| Pretax return on assets | 1.2467% | 2,739 |
| Return on Equity (ROE) | 9.2144% | 2,725 |
| Retained earnings to average equity (ytd only) | -10.4745% | 6,853 |
| Net charge-offs to loans | 0.0424% | 4,100 |
| Credit loss provision to net charge-offs | 42.8571% | 3,394 |
| Earnings coverage of net charge-offs (x) | 44.2857% | 689 |
| Efficiency ratio | 77.9102% | 2,512 |
| Assets per employee ($millions) | 2.3728% | 6,943 |
| Cash dividends to net income (ytd only)* | 213.6752% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 4,054 |
| Loan loss allowance to noncurrent loans | 1,317.1053% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 6,029 |
| Noncurrent loans to loans | 0.1156% | 6,466 |
| Net loans and leases to total assets | 64.9816% | 2,650 |
| Net loans and leases to deposits | 74.0047% | 3,123 |
| Net loans and leases to core deposits | 76.2187% | 3,592 |
| Total domestic deposits to total assets | 87.8074% | 2,452 |
| Equity capital to assets | 10.0643% | 4,049 |
| Core capital (leverage) ratio | 9.7864% | 3,662 |
| Tier 1 risk-based capital ratio | 15.7987% | 3,285 |
| Total risk-based capital ratio | 17.0529% | 3,252 |
| Memoranda: | ||
| Average total assets | $98,502,500 | 4,965 |
| Average earning assets | $87,615,500 | 5,038 |
| Average equity | $10,158,000 | 5,001 |
| Average total loans | $66,024,500 | 4,585 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8963% | 523 |
| Cost of funding earning assets | 0.8527% | 4,453 |
| Net interest margin | 5.0436% | 376 |
| Noninterest income to average assets | 1.1369% | 1,017 |
| Noninterest expense to average assets | 4.5335% | 573 |
| Loan and lease loss provision to assets | 0.0142% | 6,368 |
| Net operating income to assets | 0.8074% | 3,005 |
| Return on assets (ROA) | 0.8390% | 3,038 |
| Pretax return on assets | 1.0771% | 2,918 |
| Return on Equity (ROE) | 8.3677% | 2,731 |
| Retained earnings to average equity (ytd only) | 5.6391% | 2,214 |
| Net charge-offs to loans | 0.0572% | 5,736 |
| Credit loss provision to net charge-offs | 36.8421% | 5,682 |
| Earnings coverage of net charge-offs (x) | 27.2895% | 914 |
| Efficiency ratio | 80.7839% | 2,189 |
| Assets per employee ($millions) | 2.2124% | 7,072 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 3,953 |
| Loan loss allowance to noncurrent loans | 957.1429% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 6,027 |
| Noncurrent loans to loans | 0.1584% | 6,437 |
| Net loans and leases to total assets | 67.0628% | 2,571 |
| Net loans and leases to deposits | 77.0701% | 2,985 |
| Net loans and leases to core deposits | 79.4506% | 3,516 |
| Total domestic deposits to total assets | 87.0154% | 2,754 |
| Equity capital to assets | 10.5664% | 3,454 |
| Core capital (leverage) ratio | 10.2495% | 3,028 |
| Tier 1 risk-based capital ratio | 15.7738% | 3,169 |
| Total risk-based capital ratio | 17.0283% | 3,130 |
| Memoranda: | ||
| Average total assets | $98,688,400 | 4,925 |
| Average earning assets | $87,020,800 | 5,024 |
| Average equity | $9,895,200 | 5,052 |
| Average total loans | $66,401,400 | 4,616 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9551% | 500 |
| Cost of funding earning assets | 0.8798% | 4,553 |
| Net interest margin | 5.0753% | 359 |
| Noninterest income to average assets | 1.1149% | 1,073 |
| Noninterest expense to average assets | 4.5308% | 566 |
| Loan and lease loss provision to assets | 0.0202% | 6,185 |
| Net operating income to assets | 0.8036% | 3,140 |
| Return on assets (ROA) | 0.8456% | 3,107 |
| Pretax return on assets | 1.0839% | 3,077 |
| Return on Equity (ROE) | 8.5462% | 2,801 |
| Retained earnings to average equity (ytd only) | 7.4575% | 1,730 |
| Net charge-offs to loans | 0.0703% | 5,257 |
| Credit loss provision to net charge-offs | 42.8571% | 5,184 |
| Earnings coverage of net charge-offs (x) | 22.2835% | 1,160 |
| Efficiency ratio | 80.7961% | 2,145 |
| Assets per employee ($millions) | 2.3337% | 7,049 |
| Cash dividends to net income (ytd only)* | 12.7384% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,884 |
| Loan loss allowance to noncurrent loans | 2,522.5000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 6,225 |
| Noncurrent loans to loans | 0.0615% | 6,778 |
| Net loans and leases to total assets | 65.3458% | 3,043 |
| Net loans and leases to deposits | 75.2541% | 3,463 |
| Net loans and leases to core deposits | 77.0150% | 4,047 |
| Total domestic deposits to total assets | 86.8335% | 2,754 |
| Equity capital to assets | 10.4924% | 3,714 |
| Core capital (leverage) ratio | 9.8496% | 3,650 |
| Tier 1 risk-based capital ratio | 16.3976% | 2,914 |
| Total risk-based capital ratio | 17.6537% | 2,878 |
| Memoranda: | ||
| Average total assets | $99,024,000 | 4,953 |
| Average earning assets | $87,138,750 | 5,057 |
| Average equity | $9,797,500 | 5,095 |
| Average total loans | $66,429,750 | 4,654 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9400% | 531 |
| Cost of funding earning assets | 0.9137% | 4,559 |
| Net interest margin | 5.0263% | 380 |
| Noninterest income to average assets | 1.1212% | 1,029 |
| Noninterest expense to average assets | 4.4686% | 617 |
| Loan and lease loss provision to assets | 0.0081% | 6,161 |
| Net operating income to assets | 0.8353% | 2,921 |
| Return on assets (ROA) | 0.8353% | 3,033 |
| Pretax return on assets | 1.0628% | 3,000 |
| Return on Equity (ROE) | 8.6141% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.6141% | 1,229 |
| Net charge-offs to loans | 0.0987% | 4,694 |
| Credit loss provision to net charge-offs | 12.1212% | 5,226 |
| Earnings coverage of net charge-offs (x) | 16.1212% | 1,364 |
| Efficiency ratio | 80.2689% | 2,347 |
| Assets per employee ($millions) | 2.3328% | 7,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 4,120 |
| Loan loss allowance to noncurrent loans | 1,694.9153% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 6,650 |
| Noncurrent loans to loans | 0.0886% | 6,765 |
| Net loans and leases to total assets | 66.9501% | 2,829 |
| Net loans and leases to deposits | 77.5222% | 3,214 |
| Net loans and leases to core deposits | 79.6438% | 3,838 |
| Total domestic deposits to total assets | 86.3624% | 3,120 |
| Equity capital to assets | 10.1440% | 3,959 |
| Core capital (leverage) ratio | 9.9550% | 3,319 |
| Tier 1 risk-based capital ratio | 15.6329% | 3,163 |
| Total risk-based capital ratio | 16.8876% | 3,126 |
| Memoranda: | ||
| Average total assets | $99,360,670 | 4,976 |
| Average earning assets | $87,340,670 | 5,085 |
| Average equity | $9,635,330 | 5,143 |
| Average total loans | $66,887,330 | 4,688 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9112% | 583 |
| Cost of funding earning assets | 0.9632% | 4,473 |
| Net interest margin | 4.9479% | 416 |
| Noninterest income to average assets | 1.1314% | 1,019 |
| Noninterest expense to average assets | 4.4857% | 598 |
| Loan and lease loss provision to assets | 0.0120% | 5,765 |
| Net operating income to assets | 0.8116% | 2,969 |
| Return on assets (ROA) | 0.8116% | 3,034 |
| Pretax return on assets | 0.9875% | 3,171 |
| Return on Equity (ROE) | 8.5622% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.5622% | 1,531 |
| Net charge-offs to loans | 0.0716% | 4,218 |
| Credit loss provision to net charge-offs | 25.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | 20.8333% | 1,099 |
| Efficiency ratio | 81.4140% | 2,319 |
| Assets per employee ($millions) | 2.3836% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 3,959 |
| Loan loss allowance to noncurrent loans | 1,214.2857% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 6,898 |
| Noncurrent loans to loans | 0.1277% | 6,728 |
| Net loans and leases to total assets | 64.6988% | 3,307 |
| Net loans and leases to deposits | 73.8103% | 3,788 |
| Net loans and leases to core deposits | 75.3148% | 4,378 |
| Total domestic deposits to total assets | 87.6556% | 2,579 |
| Equity capital to assets | 9.6054% | 4,307 |
| Core capital (leverage) ratio | 9.7069% | 3,510 |
| Tier 1 risk-based capital ratio | 15.2721% | 3,273 |
| Total risk-based capital ratio | 16.5277% | 3,232 |
| Memoranda: | ||
| Average total assets | $100,051,500 | 5,002 |
| Average earning assets | $88,036,500 | 5,092 |
| Average equity | $9,483,500 | 5,181 |
| Average total loans | $67,032,500 | 4,730 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2029% | 558 |
| Cost of funding earning assets | 1.4448% | 2,992 |
| Net interest margin | 4.7581% | 721 |
| Noninterest income to average assets | 1.0838% | 1,274 |
| Noninterest expense to average assets | 4.6195% | 581 |
| Loan and lease loss provision to assets | 0.1725% | 5,493 |
| Net operating income to assets | 0.3404% | 4,788 |
| Return on assets (ROA) | 0.4597% | 4,438 |
| Pretax return on assets | 0.5480% | 4,480 |
| Return on Equity (ROE) | 4.8417% | 4,139 |
| Retained earnings to average equity (ytd only) | 4.8417% | 2,515 |
| Net charge-offs to loans | 0.2903% | 4,569 |
| Credit loss provision to net charge-offs | 86.7347% | 5,251 |
| Earnings coverage of net charge-offs (x) | 2.9082% | 3,622 |
| Efficiency ratio | 88.4420% | 1,442 |
| Assets per employee ($millions) | 2.4389% | 7,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 3,968 |
| Loan loss allowance to noncurrent loans | 465.6109% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 5,075 |
| Noncurrent loans to loans | 0.3237% | 6,402 |
| Net loans and leases to total assets | 67.2507% | 3,157 |
| Net loans and leases to deposits | 76.5298% | 3,758 |
| Net loans and leases to core deposits | 78.1031% | 4,453 |
| Total domestic deposits to total assets | 87.8752% | 2,324 |
| Equity capital to assets | 9.3517% | 4,615 |
| Core capital (leverage) ratio | 9.1910% | 4,184 |
| Tier 1 risk-based capital ratio | 14.2765% | 3,692 |
| Total risk-based capital ratio | 15.5304% | 3,646 |
| Memoranda: | ||
| Average total assets | $98,539,600 | 5,032 |
| Average earning assets | $85,201,400 | 5,173 |
| Average equity | $9,356,200 | 5,313 |
| Average total loans | $67,519,000 | 4,770 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2759% | 534 |
| Cost of funding earning assets | 1.4371% | 3,352 |
| Net interest margin | 4.8388% | 616 |
| Noninterest income to average assets | 1.1136% | 1,132 |
| Noninterest expense to average assets | 4.3214% | 728 |
| Loan and lease loss provision to assets | 0.2241% | 4,818 |
| Net operating income to assets | 0.5651% | 4,031 |
| Return on assets (ROA) | 0.6329% | 3,907 |
| Pretax return on assets | 0.8162% | 3,846 |
| Return on Equity (ROE) | 6.6398% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.6398% | 2,020 |
| Net charge-offs to loans | 0.2634% | 4,373 |
| Credit loss provision to net charge-offs | 124.0602% | 3,303 |
| Earnings coverage of net charge-offs (x) | 5.2782% | 2,788 |
| Efficiency ratio | 81.5139% | 2,126 |
| Assets per employee ($millions) | 2.4466% | 7,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 3,548 |
| Loan loss allowance to noncurrent loans | 271.7500% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 1.0754% | 4,961 |
| Noncurrent loans to loans | 0.5862% | 6,043 |
| Net loans and leases to total assets | 65.3441% | 3,834 |
| Net loans and leases to deposits | 74.8876% | 4,363 |
| Net loans and leases to core deposits | 76.3489% | 5,014 |
| Total domestic deposits to total assets | 87.2562% | 2,397 |
| Equity capital to assets | 9.4301% | 4,946 |
| Core capital (leverage) ratio | 9.4073% | 4,045 |
| Tier 1 risk-based capital ratio | 14.2432% | 3,671 |
| Total risk-based capital ratio | 15.4979% | 3,626 |
| Memoranda: | ||
| Average total assets | $98,176,250 | 5,103 |
| Average earning assets | $84,427,000 | 5,253 |
| Average equity | $9,357,500 | 5,392 |
| Average total loans | $67,330,000 | 4,849 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2434% | 574 |
| Cost of funding earning assets | 1.4067% | 3,835 |
| Net interest margin | 4.8367% | 617 |
| Noninterest income to average assets | 1.0512% | 1,213 |
| Noninterest expense to average assets | 4.3125% | 715 |
| Loan and lease loss provision to assets | 0.0248% | 6,690 |
| Net operating income to assets | 0.7056% | 3,381 |
| Return on assets (ROA) | 0.7056% | 3,535 |
| Pretax return on assets | 0.9188% | 3,423 |
| Return on Equity (ROE) | 7.3756% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.3756% | 1,681 |
| Net charge-offs to loans | 0.3700% | 3,503 |
| Credit loss provision to net charge-offs | 9.6774% | 5,941 |
| Earnings coverage of net charge-offs (x) | 3.6774% | 3,218 |
| Efficiency ratio | 81.6142% | 2,220 |
| Assets per employee ($millions) | 2.2727% | 7,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 4,734 |
| Loan loss allowance to noncurrent loans | 274.9271% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 1.1225% | 4,886 |
| Noncurrent loans to loans | 0.4872% | 6,271 |
| Net loans and leases to total assets | 71.0726% | 2,632 |
| Net loans and leases to deposits | 82.6039% | 3,163 |
| Net loans and leases to core deposits | 84.8046% | 4,024 |
| Total domestic deposits to total assets | 86.0403% | 3,056 |
| Equity capital to assets | 9.6906% | 4,414 |
| Core capital (leverage) ratio | 9.2653% | 4,183 |
| Tier 1 risk-based capital ratio | 13.8070% | 3,869 |
| Total risk-based capital ratio | 15.0587% | 3,837 |
| Memoranda: | ||
| Average total assets | $96,649,670 | 5,174 |
| Average earning assets | $84,025,000 | 5,299 |
| Average equity | $9,246,670 | 5,433 |
| Average total loans | $67,029,330 | 4,901 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1550% | 702 |
| Cost of funding earning assets | 1.3630% | 4,402 |
| Net interest margin | 4.7921% | 657 |
| Noninterest income to average assets | 1.0654% | 1,119 |
| Noninterest expense to average assets | 4.3782% | 652 |
| Loan and lease loss provision to assets | 0.0083% | 6,514 |
| Net operating income to assets | 0.6492% | 3,667 |
| Return on assets (ROA) | 0.6492% | 3,787 |
| Pretax return on assets | 0.8199% | 3,788 |
| Return on Equity (ROE) | 6.8309% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.8309% | 2,207 |
| Net charge-offs to loans | 0.7774% | 1,961 |
| Credit loss provision to net charge-offs | 1.5748% | 5,112 |
| Earnings coverage of net charge-offs (x) | 1.5669% | 3,791 |
| Efficiency ratio | 83.6131% | 2,060 |
| Assets per employee ($millions) | 2.3109% | 7,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,530 |
| Loan loss allowance to noncurrent loans | 278.4431% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 1.0949% | 4,958 |
| Noncurrent loans to loans | 0.4946% | 6,308 |
| Net loans and leases to total assets | 67.0202% | 3,628 |
| Net loans and leases to deposits | 80.7376% | 3,507 |
| Net loans and leases to core deposits | 82.9282% | 4,355 |
| Total domestic deposits to total assets | 83.0100% | 4,621 |
| Equity capital to assets | 9.2986% | 4,835 |
| Core capital (leverage) ratio | 9.3440% | 3,984 |
| Tier 1 risk-based capital ratio | 13.7653% | 3,821 |
| Total risk-based capital ratio | 15.0180% | 3,773 |
| Memoranda: | ||
| Average total assets | $96,112,500 | 5,252 |
| Average earning assets | $83,054,000 | 5,396 |
| Average equity | $9,135,000 | 5,508 |
| Average total loans | $65,345,000 | 5,023 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1877% | 1,264 |
| Cost of funding earning assets | 1.3911% | 5,971 |
| Net interest margin | 4.7966% | 699 |
| Noninterest income to average assets | 1.1589% | 1,147 |
| Noninterest expense to average assets | 4.9572% | 533 |
| Loan and lease loss provision to assets | 0.8057% | 2,723 |
| Net operating income to assets | -0.2163% | 5,858 |
| Return on assets (ROA) | 0.0561% | 5,372 |
| Pretax return on assets | -0.0655% | 5,549 |
| Return on Equity (ROE) | 0.5267% | 5,382 |
| Retained earnings to average equity (ytd only) | -1.7558% | 5,448 |
| Net charge-offs to loans | 0.3735% | 4,342 |
| Credit loss provision to net charge-offs | 351.5306% | 921 |
| Earnings coverage of net charge-offs (x) | 1.3724% | 4,762 |
| Efficiency ratio | 93.5448% | 1,441 |
| Assets per employee ($millions) | 2.2108% | 7,558 |
| Cash dividends to net income (ytd only)* | 433.3333% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 3,003 |
| Loan loss allowance to noncurrent loans | 324.6154% | 980 |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 4,768 |
| Noncurrent loans to loans | 0.5145% | 6,223 |
| Net loans and leases to total assets | 66.8860% | 3,954 |
| Net loans and leases to deposits | 78.1368% | 4,340 |
| Net loans and leases to core deposits | 89.9150% | 5,137 |
| Total domestic deposits to total assets | 85.6012% | 3,225 |
| Equity capital to assets | 9.7248% | 4,110 |
| Core capital (leverage) ratio | 9.7169% | 3,423 |
| Tier 1 risk-based capital ratio | 14.3971% | 3,264 |
| Total risk-based capital ratio | 15.6531% | 3,214 |
| Memoranda: | ||
| Average total assets | $85,512,400 | 5,541 |
| Average earning assets | $73,323,400 | 5,707 |
| Average equity | $9,112,600 | 5,576 |
| Average total loans | $52,481,400 | 5,567 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2086% | 1,354 |
| Cost of funding earning assets | 1.3598% | 6,367 |
| Net interest margin | 4.8488% | 625 |
| Noninterest income to average assets | 1.1106% | 1,277 |
| Noninterest expense to average assets | 5.0256% | 478 |
| Loan and lease loss provision to assets | 0.3665% | 4,122 |
| Net operating income to assets | -0.1142% | 5,914 |
| Return on assets (ROA) | 0.3904% | 4,537 |
| Pretax return on assets | 0.4462% | 4,675 |
| Return on Equity (ROE) | 3.5766% | 4,546 |
| Retained earnings to average equity (ytd only) | 1.9999% | 4,203 |
| Net charge-offs to loans | 0.5032% | 3,213 |
| Credit loss provision to net charge-offs | 122.3404% | 4,144 |
| Earnings coverage of net charge-offs (x) | 0.7766% | 5,274 |
| Efficiency ratio | 95.0909% | 1,324 |
| Assets per employee ($millions) | 2.2031% | 7,611 |
| Cash dividends to net income (ytd only)* | 44.0825% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 5,861 |
| Loan loss allowance to noncurrent loans | 182.4773% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 4,599 |
| Noncurrent loans to loans | 0.5898% | 6,133 |
| Net loans and leases to total assets | 63.0024% | 5,065 |
| Net loans and leases to deposits | 74.7258% | 5,260 |
| Net loans and leases to core deposits | 86.4297% | 5,826 |
| Total domestic deposits to total assets | 84.3115% | 3,573 |
| Equity capital to assets | 10.6239% | 3,378 |
| Core capital (leverage) ratio | 10.8487% | 2,528 |
| Tier 1 risk-based capital ratio | 15.7396% | 2,722 |
| Total risk-based capital ratio | 16.7849% | 2,744 |
| Memoranda: | ||
| Average total assets | $83,676,750 | 5,629 |
| Average earning assets | $71,576,000 | 5,802 |
| Average equity | $9,133,250 | 5,620 |
| Average total loans | $49,811,250 | 5,731 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2845% | 1,251 |
| Cost of funding earning assets | 1.3385% | 6,681 |
| Net interest margin | 4.9459% | 491 |
| Noninterest income to average assets | 0.9830% | 1,653 |
| Noninterest expense to average assets | 5.0684% | 492 |
| Loan and lease loss provision to assets | 0.3407% | 3,893 |
| Net operating income to assets | -0.2492% | 6,263 |
| Return on assets (ROA) | -0.0779% | 6,032 |
| Pretax return on assets | 0.0584% | 5,764 |
| Return on Equity (ROE) | -0.7066% | 6,030 |
| Retained earnings to average equity (ytd only) | -3.0915% | 5,985 |
| Net charge-offs to loans | 0.7127% | 2,275 |
| Credit loss provision to net charge-offs | 82.3529% | 5,131 |
| Earnings coverage of net charge-offs (x) | 0.3176% | 5,359 |
| Efficiency ratio | 96.9584% | 1,313 |
| Assets per employee ($millions) | 1.9386% | 7,895 |
| Cash dividends to net income (ytd only)* | -337.5000% | 8,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 5,693 |
| Loan loss allowance to noncurrent loans | 253.3333% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 4,570 |
| Noncurrent loans to loans | 0.4284% | 6,447 |
| Net loans and leases to total assets | 59.5461% | 5,752 |
| Net loans and leases to deposits | 71.2566% | 5,839 |
| Net loans and leases to core deposits | 81.6570% | 6,267 |
| Total domestic deposits to total assets | 83.5657% | 3,979 |
| Equity capital to assets | 10.9910% | 2,929 |
| Core capital (leverage) ratio | 10.9128% | 2,475 |
| Tier 1 risk-based capital ratio | 17.1913% | 2,240 |
| Total risk-based capital ratio | 18.2335% | 2,257 |
| Memoranda: | ||
| Average total assets | $82,195,000 | 5,728 |
| Average earning assets | $70,077,670 | 5,882 |
| Average equity | $9,057,000 | 5,663 |
| Average total loans | $47,707,330 | 5,860 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3499% | 1,177 |
| Cost of funding earning assets | 1.3960% | 6,748 |
| Net interest margin | 4.9540% | 453 |
| Noninterest income to average assets | 1.2400% | 932 |
| Noninterest expense to average assets | 4.7371% | 578 |
| Loan and lease loss provision to assets | 0.2664% | 3,828 |
| Net operating income to assets | 0.3826% | 4,933 |
| Return on assets (ROA) | 0.3826% | 5,115 |
| Pretax return on assets | 0.4650% | 5,194 |
| Return on Equity (ROE) | 3.4683% | 5,183 |
| Retained earnings to average equity (ytd only) | -1.2732% | 5,952 |
| Net charge-offs to loans | 1.5217% | 950 |
| Credit loss provision to net charge-offs | 30.7263% | 4,942 |
| Earnings coverage of net charge-offs (x) | 0.8436% | 4,350 |
| Efficiency ratio | 86.0939% | 2,055 |
| Assets per employee ($millions) | 1.8929% | 7,968 |
| Cash dividends to net income (ytd only)* | 136.7089% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 6,630 |
| Loan loss allowance to noncurrent loans | 1,068.2927% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 4,751 |
| Noncurrent loans to loans | 0.0866% | 7,278 |
| Net loans and leases to total assets | 57.6159% | 6,005 |
| Net loans and leases to deposits | 69.3435% | 6,042 |
| Net loans and leases to core deposits | 78.3432% | 6,512 |
| Total domestic deposits to total assets | 83.0876% | 4,100 |
| Equity capital to assets | 11.2954% | 2,722 |
| Core capital (leverage) ratio | 10.8776% | 2,598 |
| Tier 1 risk-based capital ratio | 17.9857% | 2,056 |
| Total risk-based capital ratio | 18.8728% | 2,093 |
| Memoranda: | ||
| Average total assets | $82,582,000 | 5,716 |
| Average earning assets | $70,489,000 | 5,894 |
| Average equity | $9,111,000 | 5,660 |
| Average total loans | $47,053,500 | 5,911 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6296% | 2,344 |
| Cost of funding earning assets | 1.4134% | 7,726 |
| Net interest margin | 5.2162% | 330 |
| Noninterest income to average assets | 1.4860% | 634 |
| Noninterest expense to average assets | 4.4592% | 901 |
| Loan and lease loss provision to assets | 0.2754% | 4,191 |
| Net operating income to assets | 1.0289% | 2,432 |
| Return on assets (ROA) | 1.0309% | 2,318 |
| Pretax return on assets | 1.4151% | 1,925 |
| Return on Equity (ROE) | 9.0743% | 2,616 |
| Retained earnings to average equity (ytd only) | 7.3426% | 1,037 |
| Net charge-offs to loans | 0.1684% | 4,511 |
| Credit loss provision to net charge-offs | 283.7838% | 1,603 |
| Earnings coverage of net charge-offs (x) | 17.3919% | 1,775 |
| Efficiency ratio | 72.0717% | 3,920 |
| Assets per employee ($millions) | 2.1479% | 7,772 |
| Cash dividends to net income (ytd only)* | 19.0840% | 4,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 4,522 |
| Loan loss allowance to noncurrent loans | 36.0256% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 1.8623% | 2,649 |
| Noncurrent loans to loans | 3.3353% | 1,554 |
| Net loans and leases to total assets | 55.1643% | 6,534 |
| Net loans and leases to deposits | 70.4496% | 6,226 |
| Net loans and leases to core deposits | 82.1891% | 6,444 |
| Total domestic deposits to total assets | 78.3032% | 5,612 |
| Equity capital to assets | 10.7774% | 3,226 |
| Core capital (leverage) ratio | 11.8553% | 2,052 |
| Tier 1 risk-based capital ratio | 18.6320% | 1,885 |
| Total risk-based capital ratio | 19.8079% | 1,854 |
| Memoranda: | ||
| Average total assets | $76,247,000 | 5,826 |
| Average earning assets | $68,133,600 | 5,892 |
| Average equity | $8,661,800 | 5,856 |
| Average total loans | $43,946,200 | 5,983 |