Home > Johnson County Bank > Performance and Condition Ratios
Johnson County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 3,433 |
| Cost of funding earning assets | 0.8828% | 3,558 |
| Net interest margin | 3.4243% | 2,353 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.6958% | 1,740 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7195% | 3,135 |
| Return on assets (ROA) | 0.7195% | 3,111 |
| Pretax return on assets | 0.9283% | 2,880 |
| Return on Equity (ROE) | 5.5500% | 3,616 |
| Retained earnings to average equity (ytd only) | 4.1170% | 2,916 |
| Net charge-offs to loans | 0.0060% | 2,475 |
| Credit loss provision to net charge-offs | 460.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 283.8000% | 452 |
| Efficiency ratio | 74.0727% | 1,453 |
| Assets per employee ($millions) | 6.9040% | 2,136 |
| Cash dividends to net income (ytd only)* | 25.8780% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,271 |
| Loan loss allowance to noncurrent loans | 146.4223% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 1,464 |
| Noncurrent loans to loans | 0.6873% | 1,147 |
| Net loans and leases to total assets | 54.3400% | 3,327 |
| Net loans and leases to deposits | 68.8984% | 2,959 |
| Net loans and leases to core deposits | 75.8576% | 2,987 |
| Total domestic deposits to total assets | 78.8600% | 3,629 |
| Equity capital to assets | 13.2314% | 816 |
| Core capital (leverage) ratio | 15.8183% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $150,381,000 | 3,355 |
| Average earning assets | $141,927,000 | 3,325 |
| Average equity | $19,480,200 | 2,905 |
| Average total loans | $83,073,600 | 3,368 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 3,378 |
| Cost of funding earning assets | 0.7568% | 3,643 |
| Net interest margin | 3.4923% | 2,229 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.3305% | 2,703 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0382% | 2,254 |
| Return on assets (ROA) | 1.0382% | 2,241 |
| Pretax return on assets | 1.3306% | 1,947 |
| Return on Equity (ROE) | 8.0600% | 3,173 |
| Retained earnings to average equity (ytd only) | 6.1263% | 2,594 |
| Net charge-offs to loans | -0.0016% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.0440% | 2,610 |
| Assets per employee ($millions) | 6.9061% | 2,032 |
| Cash dividends to net income (ytd only)* | 23.9726% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 3,298 |
| Loan loss allowance to noncurrent loans | 147.3504% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 1,495 |
| Noncurrent loans to loans | 0.6881% | 1,198 |
| Net loans and leases to total assets | 55.3900% | 3,259 |
| Net loans and leases to deposits | 69.6818% | 2,861 |
| Net loans and leases to core deposits | 76.1044% | 2,858 |
| Total domestic deposits to total assets | 79.4900% | 3,605 |
| Equity capital to assets | 12.4731% | 930 |
| Core capital (leverage) ratio | 15.8449% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $150,004,000 | 3,366 |
| Average earning assets | $141,639,500 | 3,332 |
| Average equity | $19,326,000 | 2,906 |
| Average total loans | $82,999,750 | 3,381 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 3,422 |
| Cost of funding earning assets | 0.6233% | 3,697 |
| Net interest margin | 3.5116% | 2,236 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.3929% | 2,511 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0204% | 2,357 |
| Return on assets (ROA) | 1.0204% | 2,344 |
| Pretax return on assets | 1.3136% | 2,043 |
| Return on Equity (ROE) | 7.8400% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.8351% | 2,022 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.2344% | 2,453 |
| Assets per employee ($millions) | 6.6582% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,382 |
| Loan loss allowance to noncurrent loans | 132.9094% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 1,244 |
| Noncurrent loans to loans | 0.7604% | 997 |
| Net loans and leases to total assets | 55.9000% | 3,128 |
| Net loans and leases to deposits | 68.2731% | 2,909 |
| Net loans and leases to core deposits | 73.9795% | 2,886 |
| Total domestic deposits to total assets | 81.8800% | 3,257 |
| Equity capital to assets | 13.4298% | 729 |
| Core capital (leverage) ratio | 15.7541% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $149,360,333 | 3,386 |
| Average earning assets | $141,188,000 | 3,352 |
| Average equity | $19,451,000 | 2,911 |
| Average total loans | $82,327,667 | 3,385 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 3,473 |
| Cost of funding earning assets | 0.5050% | 3,669 |
| Net interest margin | 3.4847% | 2,409 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.2679% | 2,896 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0743% | 2,305 |
| Return on assets (ROA) | 1.0743% | 2,275 |
| Pretax return on assets | 1.3952% | 1,893 |
| Return on Equity (ROE) | 8.3800% | 3,209 |
| Retained earnings to average equity (ytd only) | 8.3762% | 2,124 |
| Net charge-offs to loans | 0.0097% | 1,576 |
| Credit loss provision to net charge-offs | 700.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 401 |
| Efficiency ratio | 61.2903% | 2,779 |
| Assets per employee ($millions) | 6.9516% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 3,460 |
| Loan loss allowance to noncurrent loans | 137.3159% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 1,296 |
| Noncurrent loans to loans | 0.7385% | 1,035 |
| Net loans and leases to total assets | 53.5500% | 3,234 |
| Net loans and leases to deposits | 64.8720% | 3,024 |
| Net loans and leases to core deposits | 68.6019% | 3,048 |
| Total domestic deposits to total assets | 82.5500% | 3,394 |
| Equity capital to assets | 12.8982% | 778 |
| Core capital (leverage) ratio | 15.7476% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $150,800,500 | 3,416 |
| Average earning assets | $142,566,500 | 3,379 |
| Average equity | $19,340,500 | 2,947 |
| Average total loans | $82,132,500 | 3,427 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6093% | 2,776 |
| Cost of funding earning assets | 0.2515% | 3,311 |
| Net interest margin | 3.3578% | 2,391 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.4880% | 2,158 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.8282% | 3,226 |
| Return on assets (ROA) | 0.8282% | 3,150 |
| Pretax return on assets | 1.0102% | 3,049 |
| Return on Equity (ROE) | 6.2300% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.8234% | 3,126 |
| Net charge-offs to loans | -0.0040% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.5530% | 1,753 |
| Assets per employee ($millions) | 6.7575% | 2,148 |
| Cash dividends to net income (ytd only)* | 22.6171% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,330 |
| Loan loss allowance to noncurrent loans | 149.5446% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 1,387 |
| Noncurrent loans to loans | 0.6734% | 1,110 |
| Net loans and leases to total assets | 54.2900% | 3,173 |
| Net loans and leases to deposits | 64.1068% | 3,034 |
| Net loans and leases to core deposits | 71.7011% | 2,747 |
| Total domestic deposits to total assets | 84.6800% | 3,062 |
| Equity capital to assets | 12.7501% | 756 |
| Core capital (leverage) ratio | 14.2149% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $149,480,400 | 3,448 |
| Average earning assets | $141,549,600 | 3,402 |
| Average equity | $19,861,600 | 2,962 |
| Average total loans | $74,566,200 | 3,496 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5000% | 2,620 |
| Cost of funding earning assets | 0.1974% | 3,313 |
| Net interest margin | 3.3026% | 2,286 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.2901% | 2,654 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.9086% | 2,834 |
| Return on assets (ROA) | 0.9086% | 2,811 |
| Pretax return on assets | 1.1384% | 2,601 |
| Return on Equity (ROE) | 6.7700% | 3,635 |
| Retained earnings to average equity (ytd only) | 4.9115% | 3,133 |
| Net charge-offs to loans | -0.0055% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.9406% | 2,413 |
| Assets per employee ($millions) | 7.4486% | 1,650 |
| Cash dividends to net income (ytd only)* | 27.4510% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,335 |
| Loan loss allowance to noncurrent loans | 140.4145% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 1,396 |
| Noncurrent loans to loans | 0.7359% | 1,104 |
| Net loans and leases to total assets | 52.2700% | 3,255 |
| Net loans and leases to deposits | 61.4648% | 3,071 |
| Net loans and leases to core deposits | 69.5364% | 2,670 |
| Total domestic deposits to total assets | 85.0400% | 3,275 |
| Equity capital to assets | 12.2097% | 838 |
| Core capital (leverage) ratio | 13.7873% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $149,684,250 | 3,473 |
| Average earning assets | $141,823,500 | 3,426 |
| Average equity | $20,088,250 | 2,985 |
| Average total loans | $72,826,000 | 3,538 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3911% | 2,465 |
| Cost of funding earning assets | 0.1997% | 2,917 |
| Net interest margin | 3.1914% | 2,217 |
| Noninterest income to average assets | 0.3895% | 2,822 |
| Noninterest expense to average assets | 2.1638% | 2,959 |
| Loan and lease loss provision to assets | 0.0720% | 1,332 |
| Net operating income to assets | 0.9432% | 2,385 |
| Return on assets (ROA) | 0.9432% | 2,362 |
| Pretax return on assets | 1.1806% | 2,133 |
| Return on Equity (ROE) | 6.8239% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.8239% | 2,041 |
| Net charge-offs to loans | -0.0226% | 3,927 |
| Credit loss provision to net charge-offs | -675.0000% | 3,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3346% | 2,861 |
| Assets per employee ($millions) | 7.4815% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,460 |
| Loan loss allowance to noncurrent loans | 131.8339% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 1,459 |
| Noncurrent loans to loans | 0.7833% | 1,093 |
| Net loans and leases to total assets | 48.8030% | 3,482 |
| Net loans and leases to deposits | 57.7685% | 3,245 |
| Net loans and leases to core deposits | 65.9055% | 2,826 |
| Total domestic deposits to total assets | 84.4804% | 3,594 |
| Equity capital to assets | 12.9560% | 672 |
| Core capital (leverage) ratio | 14.0907% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,921,667 | 3,499 |
| Average earning assets | $142,195,333 | 3,473 |
| Average equity | $20,721,333 | 2,998 |
| Average total loans | $70,873,333 | 3,607 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2323% | 2,595 |
| Cost of funding earning assets | 0.2048% | 2,733 |
| Net interest margin | 3.0275% | 2,413 |
| Noninterest income to average assets | 0.3918% | 2,747 |
| Noninterest expense to average assets | 2.1404% | 3,009 |
| Loan and lease loss provision to assets | 0.0480% | 1,509 |
| Net operating income to assets | 0.8716% | 2,405 |
| Return on assets (ROA) | 0.8716% | 2,395 |
| Pretax return on assets | 1.0795% | 2,207 |
| Return on Equity (ROE) | 6.1153% | 3,316 |
| Retained earnings to average equity (ytd only) | 6.1153% | 2,211 |
| Net charge-offs to loans | -0.0058% | 3,382 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4976% | 2,833 |
| Assets per employee ($millions) | 6.9217% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,555 |
| Loan loss allowance to noncurrent loans | 126.7606% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 1,618 |
| Noncurrent loans to loans | 0.8234% | 1,143 |
| Net loans and leases to total assets | 44.8299% | 3,673 |
| Net loans and leases to deposits | 53.3591% | 3,466 |
| Net loans and leases to core deposits | 60.1076% | 3,135 |
| Total domestic deposits to total assets | 84.0154% | 3,765 |
| Equity capital to assets | 13.4891% | 608 |
| Core capital (leverage) ratio | 14.0278% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,067,500 | 3,516 |
| Average earning assets | $142,560,000 | 3,486 |
| Average equity | $21,389,000 | 3,027 |
| Average total loans | $69,417,000 | 3,632 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2908% | 3,241 |
| Cost of funding earning assets | 0.2657% | 2,746 |
| Net interest margin | 3.0251% | 3,132 |
| Noninterest income to average assets | 1.7839% | 369 |
| Noninterest expense to average assets | 2.8909% | 1,173 |
| Loan and lease loss provision to assets | 0.1348% | 904 |
| Net operating income to assets | 1.6076% | 783 |
| Return on assets (ROA) | 1.6076% | 820 |
| Pretax return on assets | 1.6311% | 1,334 |
| Return on Equity (ROE) | 10.6598% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.3760% | 1,079 |
| Net charge-offs to loans | -0.0120% | 3,802 |
| Credit loss provision to net charge-offs | -2,437.5000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0787% | 2,857 |
| Assets per employee ($millions) | 6.7208% | 2,139 |
| Cash dividends to net income (ytd only)* | 12.0430% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,734 |
| Loan loss allowance to noncurrent loans | 95.7650% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 1,346 |
| Noncurrent loans to loans | 1.0480% | 939 |
| Net loans and leases to total assets | 46.7661% | 3,623 |
| Net loans and leases to deposits | 56.7770% | 3,354 |
| Net loans and leases to core deposits | 64.5335% | 2,938 |
| Total domestic deposits to total assets | 82.3681% | 3,908 |
| Equity capital to assets | 15.0395% | 491 |
| Core capital (leverage) ratio | 14.3736% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,628,600 | 3,536 |
| Average earning assets | $137,353,000 | 3,504 |
| Average equity | $21,811,000 | 3,072 |
| Average total loans | $66,882,200 | 3,712 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3135% | 3,351 |
| Cost of funding earning assets | 0.2764% | 2,836 |
| Net interest margin | 3.0371% | 3,214 |
| Noninterest income to average assets | 2.2602% | 279 |
| Noninterest expense to average assets | 2.7172% | 1,543 |
| Loan and lease loss provision to assets | 0.1203% | 982 |
| Net operating income to assets | 2.1767% | 340 |
| Return on assets (ROA) | 2.1767% | 355 |
| Pretax return on assets | 2.3056% | 460 |
| Return on Equity (ROE) | 14.4237% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.7037% | 684 |
| Net charge-offs to loans | -0.0222% | 4,006 |
| Credit loss provision to net charge-offs | -1,181.8182% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8298% | 3,941 |
| Assets per employee ($millions) | 6.7157% | 2,082 |
| Cash dividends to net income (ytd only)* | 11.9250% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 4,003 |
| Loan loss allowance to noncurrent loans | 92.3410% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 1,489 |
| Noncurrent loans to loans | 1.0306% | 1,106 |
| Net loans and leases to total assets | 45.0131% | 3,867 |
| Net loans and leases to deposits | 54.9025% | 3,664 |
| Net loans and leases to core deposits | 62.4636% | 3,267 |
| Total domestic deposits to total assets | 81.9873% | 3,932 |
| Equity capital to assets | 15.2112% | 509 |
| Core capital (leverage) ratio | 14.5779% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,821,500 | 3,581 |
| Average earning assets | $136,529,750 | 3,547 |
| Average equity | $21,704,500 | 3,120 |
| Average total loans | $66,140,750 | 3,775 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 3,522 |
| Cost of funding earning assets | 0.2901% | 2,875 |
| Net interest margin | 2.9760% | 3,380 |
| Noninterest income to average assets | 2.9695% | 188 |
| Noninterest expense to average assets | 2.9092% | 1,131 |
| Loan and lease loss provision to assets | 0.1263% | 993 |
| Net operating income to assets | 2.5219% | 211 |
| Return on assets (ROA) | 2.5219% | 227 |
| Pretax return on assets | 2.7562% | 241 |
| Return on Equity (ROE) | 16.7568% | 820 |
| Retained earnings to average equity (ytd only) | 16.7568% | 285 |
| Net charge-offs to loans | 0.0182% | 1,580 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 342.3333% | 342 |
| Efficiency ratio | 50.2302% | 4,221 |
| Assets per employee ($millions) | 6.3816% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,234 |
| Loan loss allowance to noncurrent loans | 69.1667% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 1,453 |
| Noncurrent loans to loans | 1.2587% | 943 |
| Net loans and leases to total assets | 45.0700% | 3,969 |
| Net loans and leases to deposits | 54.8011% | 3,809 |
| Net loans and leases to core deposits | 61.9598% | 3,463 |
| Total domestic deposits to total assets | 82.2430% | 3,876 |
| Equity capital to assets | 15.1755% | 503 |
| Core capital (leverage) ratio | 14.5491% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,513,333 | 3,606 |
| Average earning assets | $135,148,000 | 3,569 |
| Average equity | $21,448,000 | 3,132 |
| Average total loans | $65,806,333 | 3,799 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2126% | 3,663 |
| Cost of funding earning assets | 0.3104% | 2,881 |
| Net interest margin | 2.9022% | 3,516 |
| Noninterest income to average assets | 3.0859% | 195 |
| Noninterest expense to average assets | 3.7441% | 349 |
| Loan and lease loss provision to assets | 0.0826% | 1,569 |
| Net operating income to assets | 1.7552% | 849 |
| Return on assets (ROA) | 1.7552% | 903 |
| Pretax return on assets | 2.0031% | 942 |
| Return on Equity (ROE) | 11.7138% | 2,123 |
| Retained earnings to average equity (ytd only) | 11.7138% | 1,224 |
| Net charge-offs to loans | 0.0061% | 1,680 |
| Credit loss provision to net charge-offs | 2,900.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 732.0000% | 128 |
| Efficiency ratio | 64.2229% | 2,434 |
| Assets per employee ($millions) | 6.2598% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 4,371 |
| Loan loss allowance to noncurrent loans | 55.3214% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 1,439 |
| Noncurrent loans to loans | 1.4757% | 851 |
| Net loans and leases to total assets | 44.3011% | 4,096 |
| Net loans and leases to deposits | 53.6185% | 3,964 |
| Net loans and leases to core deposits | 60.7220% | 3,658 |
| Total domestic deposits to total assets | 82.6228% | 3,778 |
| Equity capital to assets | 14.6948% | 546 |
| Core capital (leverage) ratio | 14.4504% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,382,000 | 3,637 |
| Average earning assets | $132,727,000 | 3,600 |
| Average equity | $21,035,000 | 3,157 |
| Average total loans | $65,343,000 | 3,824 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 3,374 |
| Cost of funding earning assets | 0.4678% | 3,164 |
| Net interest margin | 3.3070% | 3,053 |
| Noninterest income to average assets | 0.3991% | 3,090 |
| Noninterest expense to average assets | 2.5686% | 2,642 |
| Loan and lease loss provision to assets | 0.0407% | 3,892 |
| Net operating income to assets | 0.7306% | 3,334 |
| Return on assets (ROA) | 0.7306% | 3,455 |
| Pretax return on assets | 0.9255% | 3,296 |
| Return on Equity (ROE) | 4.6322% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.2698% | 3,194 |
| Net charge-offs to loans | -0.0434% | 4,641 |
| Credit loss provision to net charge-offs | -175.8621% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6661% | 1,609 |
| Assets per employee ($millions) | 5.9473% | 2,386 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 4,512 |
| Loan loss allowance to noncurrent loans | 57.4074% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 1,664 |
| Noncurrent loans to loans | 1.3016% | 1,047 |
| Net loans and leases to total assets | 48.1636% | 3,963 |
| Net loans and leases to deposits | 58.5030% | 3,860 |
| Net loans and leases to core deposits | 65.8090% | 3,556 |
| Total domestic deposits to total assets | 82.3267% | 3,586 |
| Equity capital to assets | 15.2886% | 523 |
| Core capital (leverage) ratio | 14.4677% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,304,600 | 3,620 |
| Average earning assets | $123,557,600 | 3,587 |
| Average equity | $20,551,600 | 3,135 |
| Average total loans | $66,765,000 | 3,798 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 3,390 |
| Cost of funding earning assets | 0.5029% | 3,203 |
| Net interest margin | 3.3544% | 3,033 |
| Noninterest income to average assets | 0.4030% | 3,062 |
| Noninterest expense to average assets | 2.4348% | 3,037 |
| Loan and lease loss provision to assets | 0.0225% | 4,045 |
| Net operating income to assets | 0.8444% | 2,932 |
| Return on assets (ROA) | 0.8444% | 3,057 |
| Pretax return on assets | 1.1314% | 2,637 |
| Return on Equity (ROE) | 5.3107% | 3,786 |
| Retained earnings to average equity (ytd only) | 3.4862% | 3,311 |
| Net charge-offs to loans | -0.0638% | 4,739 |
| Credit loss provision to net charge-offs | -68.7500% | 3,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8406% | 2,212 |
| Assets per employee ($millions) | 5.7878% | 2,462 |
| Cash dividends to net income (ytd only)* | 34.3558% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 4,580 |
| Loan loss allowance to noncurrent loans | 51.1957% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 1,680 |
| Noncurrent loans to loans | 1.3717% | 1,062 |
| Net loans and leases to total assets | 50.0300% | 4,098 |
| Net loans and leases to deposits | 61.2560% | 3,975 |
| Net loans and leases to core deposits | 69.2142% | 3,685 |
| Total domestic deposits to total assets | 81.6737% | 3,500 |
| Equity capital to assets | 15.6550% | 516 |
| Core capital (leverage) ratio | 14.8445% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,683,750 | 3,630 |
| Average earning assets | $122,223,500 | 3,593 |
| Average equity | $20,461,250 | 3,139 |
| Average total loans | $66,861,750 | 3,815 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 3,608 |
| Cost of funding earning assets | 0.5333% | 3,328 |
| Net interest margin | 3.3689% | 3,193 |
| Noninterest income to average assets | 0.4308% | 2,905 |
| Noninterest expense to average assets | 2.5093% | 2,936 |
| Loan and lease loss provision to assets | 0.0660% | 3,469 |
| Net operating income to assets | 0.7720% | 3,151 |
| Return on assets (ROA) | 0.7720% | 3,265 |
| Pretax return on assets | 1.0534% | 2,860 |
| Return on Equity (ROE) | 4.8291% | 3,880 |
| Retained earnings to average equity (ytd only) | 4.8291% | 2,556 |
| Net charge-offs to loans | 0.1108% | 1,185 |
| Credit loss provision to net charge-offs | 113.5135% | 2,319 |
| Earnings coverage of net charge-offs (x) | 19.2432% | 1,734 |
| Efficiency ratio | 69.1508% | 2,066 |
| Assets per employee ($millions) | 5.8120% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6286% | 4,702 |
| Loan loss allowance to noncurrent loans | 35.7627% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 1,347 |
| Noncurrent loans to loans | 1.7576% | 808 |
| Net loans and leases to total assets | 49.9069% | 4,165 |
| Net loans and leases to deposits | 60.8621% | 4,071 |
| Net loans and leases to core deposits | 68.0734% | 3,862 |
| Total domestic deposits to total assets | 81.9999% | 3,370 |
| Equity capital to assets | 15.5778% | 529 |
| Core capital (leverage) ratio | 15.2206% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,205,000 | 3,631 |
| Average earning assets | $120,750,000 | 3,593 |
| Average equity | $20,335,000 | 3,146 |
| Average total loans | $66,792,000 | 3,820 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 3,711 |
| Cost of funding earning assets | 0.5858% | 3,507 |
| Net interest margin | 3.4430% | 3,174 |
| Noninterest income to average assets | 0.4614% | 2,740 |
| Noninterest expense to average assets | 2.5555% | 3,114 |
| Loan and lease loss provision to assets | 0.0129% | 3,617 |
| Net operating income to assets | 0.7873% | 2,948 |
| Return on assets (ROA) | 0.7873% | 3,036 |
| Pretax return on assets | 1.1551% | 2,352 |
| Return on Equity (ROE) | 4.8580% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.8580% | 2,340 |
| Net charge-offs to loans | 0.1021% | 1,069 |
| Credit loss provision to net charge-offs | 23.5294% | 2,186 |
| Earnings coverage of net charge-offs (x) | 21.2941% | 1,391 |
| Efficiency ratio | 68.6308% | 2,570 |
| Assets per employee ($millions) | 5.4508% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6070% | 4,744 |
| Loan loss allowance to noncurrent loans | 31.7111% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 1,262 |
| Noncurrent loans to loans | 1.9140% | 766 |
| Net loans and leases to total assets | 52.7698% | 4,071 |
| Net loans and leases to deposits | 65.1305% | 3,918 |
| Net loans and leases to core deposits | 73.5642% | 3,667 |
| Total domestic deposits to total assets | 81.0216% | 3,658 |
| Equity capital to assets | 16.3781% | 524 |
| Core capital (leverage) ratio | 15.6084% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,969,000 | 3,649 |
| Average earning assets | $117,455,000 | 3,610 |
| Average equity | $20,090,500 | 3,162 |
| Average total loans | $66,620,000 | 3,825 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 3,585 |
| Cost of funding earning assets | 0.5718% | 3,763 |
| Net interest margin | 3.7113% | 2,784 |
| Noninterest income to average assets | 0.4305% | 3,105 |
| Noninterest expense to average assets | 3.0545% | 1,863 |
| Loan and lease loss provision to assets | -0.0415% | 5,003 |
| Net operating income to assets | 0.7516% | 3,695 |
| Return on assets (ROA) | 0.7516% | 3,777 |
| Pretax return on assets | 0.9283% | 3,653 |
| Return on Equity (ROE) | 4.7070% | 4,295 |
| Retained earnings to average equity (ytd only) | 3.0445% | 3,503 |
| Net charge-offs to loans | 0.0793% | 1,967 |
| Credit loss provision to net charge-offs | -96.1538% | 4,215 |
| Earnings coverage of net charge-offs (x) | 20.5577% | 1,929 |
| Efficiency ratio | 77.4995% | 1,205 |
| Assets per employee ($millions) | 5.1070% | 2,446 |
| Cash dividends to net income (ytd only)* | 35.3201% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6254% | 4,698 |
| Loan loss allowance to noncurrent loans | 30.2612% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 1,071 |
| Noncurrent loans to loans | 2.0666% | 611 |
| Net loans and leases to total assets | 54.0610% | 4,072 |
| Net loans and leases to deposits | 66.4281% | 3,931 |
| Net loans and leases to core deposits | 75.1730% | 3,638 |
| Total domestic deposits to total assets | 81.3827% | 3,682 |
| Equity capital to assets | 16.0302% | 598 |
| Core capital (leverage) ratio | 15.5737% | 582 |
| Tier 1 risk-based capital ratio | 29.7449% | 483 |
| Total risk-based capital ratio | 30.3996% | 499 |
| Memoranda: | ||
| Average total assets | $120,545,400 | 3,692 |
| Average earning assets | $114,030,200 | 3,645 |
| Average equity | $19,247,800 | 3,201 |
| Average total loans | $65,599,800 | 3,867 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 3,654 |
| Cost of funding earning assets | 0.5580% | 3,881 |
| Net interest margin | 3.7417% | 2,778 |
| Noninterest income to average assets | 0.4465% | 3,042 |
| Noninterest expense to average assets | 2.9279% | 2,170 |
| Loan and lease loss provision to assets | 0.0222% | 3,470 |
| Net operating income to assets | 0.8219% | 3,601 |
| Return on assets (ROA) | 0.8219% | 3,687 |
| Pretax return on assets | 1.0341% | 3,491 |
| Return on Equity (ROE) | 5.1528% | 4,291 |
| Retained earnings to average equity (ytd only) | 2.9246% | 3,925 |
| Net charge-offs to loans | 0.1041% | 1,430 |
| Credit loss provision to net charge-offs | 39.2157% | 2,861 |
| Earnings coverage of net charge-offs (x) | 18.6466% | 2,042 |
| Efficiency ratio | 73.4876% | 1,639 |
| Assets per employee ($millions) | 5.0067% | 2,558 |
| Cash dividends to net income (ytd only)* | 43.2437% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 4,536 |
| Loan loss allowance to noncurrent loans | 30.3861% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.3366% | 893 |
| Noncurrent loans to loans | 2.4776% | 475 |
| Net loans and leases to total assets | 53.5394% | 4,216 |
| Net loans and leases to deposits | 66.0802% | 4,058 |
| Net loans and leases to core deposits | 75.2996% | 3,739 |
| Total domestic deposits to total assets | 81.0220% | 3,752 |
| Equity capital to assets | 16.1992% | 603 |
| Core capital (leverage) ratio | 15.5701% | 631 |
| Tier 1 risk-based capital ratio | 30.8984% | 456 |
| Total risk-based capital ratio | 31.7004% | 458 |
| Memoranda: | ||
| Average total assets | $120,039,500 | 3,741 |
| Average earning assets | $113,493,250 | 3,690 |
| Average equity | $19,147,750 | 3,234 |
| Average total loans | $65,330,000 | 3,925 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 3,638 |
| Cost of funding earning assets | 0.5414% | 3,926 |
| Net interest margin | 3.7566% | 2,731 |
| Noninterest income to average assets | 0.4467% | 2,974 |
| Noninterest expense to average assets | 2.8850% | 2,321 |
| Loan and lease loss provision to assets | 0.0067% | 3,598 |
| Net operating income to assets | 0.8783% | 3,368 |
| Return on assets (ROA) | 0.8783% | 3,435 |
| Pretax return on assets | 1.1050% | 3,222 |
| Return on Equity (ROE) | 5.5351% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.5351% | 2,496 |
| Net charge-offs to loans | 0.1435% | 1,075 |
| Credit loss provision to net charge-offs | 8.5106% | 2,697 |
| Earnings coverage of net charge-offs (x) | 14.1915% | 2,051 |
| Efficiency ratio | 72.1852% | 1,894 |
| Assets per employee ($millions) | 5.0892% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7191% | 4,673 |
| Loan loss allowance to noncurrent loans | 30.4153% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 1,005 |
| Noncurrent loans to loans | 2.3642% | 534 |
| Net loans and leases to total assets | 53.8079% | 4,224 |
| Net loans and leases to deposits | 65.9426% | 4,104 |
| Net loans and leases to core deposits | 74.5914% | 3,853 |
| Total domestic deposits to total assets | 81.5982% | 3,636 |
| Equity capital to assets | 15.9710% | 621 |
| Core capital (leverage) ratio | 15.6224% | 602 |
| Tier 1 risk-based capital ratio | 29.5488% | 493 |
| Total risk-based capital ratio | 30.2935% | 512 |
| Memoranda: | ||
| Average total assets | $119,999,330 | 3,761 |
| Average earning assets | $113,401,670 | 3,718 |
| Average equity | $19,042,000 | 3,243 |
| Average total loans | $65,499,670 | 3,939 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 3,618 |
| Cost of funding earning assets | 0.5273% | 3,934 |
| Net interest margin | 3.7513% | 2,707 |
| Noninterest income to average assets | 0.5280% | 2,390 |
| Noninterest expense to average assets | 2.8723% | 2,352 |
| Loan and lease loss provision to assets | 0.0605% | 2,448 |
| Net operating income to assets | 0.8879% | 3,280 |
| Return on assets (ROA) | 0.8879% | 3,333 |
| Pretax return on assets | 1.1368% | 3,021 |
| Return on Equity (ROE) | 5.6142% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.6142% | 2,629 |
| Net charge-offs to loans | 0.0982% | 1,156 |
| Credit loss provision to net charge-offs | 112.5000% | 1,477 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,508 |
| Efficiency ratio | 70.5785% | 2,255 |
| Assets per employee ($millions) | 5.1618% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 4,533 |
| Loan loss allowance to noncurrent loans | 26.2866% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 667 |
| Noncurrent loans to loans | 3.0314% | 356 |
| Net loans and leases to total assets | 54.6327% | 4,160 |
| Net loans and leases to deposits | 67.0682% | 3,979 |
| Net loans and leases to core deposits | 75.8626% | 3,669 |
| Total domestic deposits to total assets | 81.4584% | 3,866 |
| Equity capital to assets | 16.0669% | 559 |
| Core capital (leverage) ratio | 15.7012% | 573 |
| Tier 1 risk-based capital ratio | 30.0826% | 471 |
| Total risk-based capital ratio | 30.9269% | 480 |
| Memoranda: | ||
| Average total assets | $118,929,000 | 3,822 |
| Average earning assets | $112,280,500 | 3,779 |
| Average equity | $18,809,500 | 3,278 |
| Average total loans | $65,151,000 | 3,983 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 3,094 |
| Cost of funding earning assets | 0.4832% | 3,459 |
| Net interest margin | 3.8218% | 2,585 |
| Noninterest income to average assets | 0.7318% | 1,725 |
| Noninterest expense to average assets | 3.1168% | 1,753 |
| Loan and lease loss provision to assets | -0.0050% | 5,087 |
| Net operating income to assets | 0.9533% | 3,211 |
| Return on assets (ROA) | 0.9540% | 3,210 |
| Pretax return on assets | 1.1417% | 3,125 |
| Return on Equity (ROE) | 6.2971% | 4,068 |
| Retained earnings to average equity (ytd only) | 4.7477% | 2,918 |
| Net charge-offs to loans | 0.1226% | 1,509 |
| Credit loss provision to net charge-offs | -7.5000% | 4,264 |
| Earnings coverage of net charge-offs (x) | 16.9375% | 2,221 |
| Efficiency ratio | 73.2900% | 1,720 |
| Assets per employee ($millions) | 5.1798% | 2,291 |
| Cash dividends to net income (ytd only)* | 24.6046% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 4,536 |
| Loan loss allowance to noncurrent loans | 24.2864% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7937% | 578 |
| Noncurrent loans to loans | 3.2917% | 285 |
| Net loans and leases to total assets | 54.0567% | 4,276 |
| Net loans and leases to deposits | 66.0300% | 4,119 |
| Net loans and leases to core deposits | 75.2014% | 3,772 |
| Total domestic deposits to total assets | 81.8669% | 3,681 |
| Equity capital to assets | 15.5654% | 607 |
| Core capital (leverage) ratio | 15.3716% | 616 |
| Tier 1 risk-based capital ratio | 29.7532% | 478 |
| Total risk-based capital ratio | 30.6014% | 486 |
| Memoranda: | ||
| Average total assets | $119,290,800 | 3,797 |
| Average earning assets | $109,896,200 | 3,805 |
| Average equity | $18,071,800 | 3,290 |
| Average total loans | $65,272,200 | 3,979 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 2,913 |
| Cost of funding earning assets | 0.4795% | 3,331 |
| Net interest margin | 3.8363% | 2,506 |
| Noninterest income to average assets | 0.5128% | 2,786 |
| Noninterest expense to average assets | 2.8894% | 2,334 |
| Loan and lease loss provision to assets | -0.0168% | 5,229 |
| Net operating income to assets | 0.7924% | 3,930 |
| Return on assets (ROA) | 0.7933% | 3,940 |
| Pretax return on assets | 1.1542% | 3,180 |
| Return on Equity (ROE) | 5.2727% | 4,483 |
| Retained earnings to average equity (ytd only) | 3.1933% | 4,148 |
| Net charge-offs to loans | 0.1102% | 1,388 |
| Credit loss provision to net charge-offs | -27.7778% | 4,125 |
| Earnings coverage of net charge-offs (x) | 18.8329% | 2,036 |
| Efficiency ratio | 71.7735% | 1,925 |
| Assets per employee ($millions) | 4.9454% | 2,540 |
| Cash dividends to net income (ytd only)* | 39.4363% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 4,531 |
| Loan loss allowance to noncurrent loans | 26.8134% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.7828% | 657 |
| Noncurrent loans to loans | 3.0840% | 347 |
| Net loans and leases to total assets | 54.1600% | 4,357 |
| Net loans and leases to deposits | 65.9079% | 4,206 |
| Net loans and leases to core deposits | 75.8517% | 3,816 |
| Total domestic deposits to total assets | 82.1753% | 3,553 |
| Equity capital to assets | 15.0856% | 695 |
| Core capital (leverage) ratio | 14.9497% | 715 |
| Tier 1 risk-based capital ratio | 28.9328% | 522 |
| Total risk-based capital ratio | 29.8025% | 532 |
| Memoranda: | ||
| Average total assets | $119,329,500 | 3,838 |
| Average earning assets | $109,268,000 | 3,854 |
| Average equity | $17,953,750 | 3,324 |
| Average total loans | $65,360,250 | 4,012 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3305% | 2,665 |
| Cost of funding earning assets | 0.4795% | 3,162 |
| Net interest margin | 3.8510% | 2,378 |
| Noninterest income to average assets | 0.4919% | 2,903 |
| Noninterest expense to average assets | 2.7772% | 2,730 |
| Loan and lease loss provision to assets | -0.0318% | 5,345 |
| Net operating income to assets | 0.8871% | 3,511 |
| Return on assets (ROA) | 0.8884% | 3,510 |
| Pretax return on assets | 1.2548% | 2,705 |
| Return on Equity (ROE) | 5.9098% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.9098% | 2,604 |
| Net charge-offs to loans | 0.0427% | 2,012 |
| Credit loss provision to net charge-offs | -135.7143% | 4,119 |
| Earnings coverage of net charge-offs (x) | 52.1429% | 1,099 |
| Efficiency ratio | 69.4561% | 2,404 |
| Assets per employee ($millions) | 4.9678% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,429 |
| Loan loss allowance to noncurrent loans | 28.6573% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.6741% | 737 |
| Noncurrent loans to loans | 3.0659% | 364 |
| Net loans and leases to total assets | 54.1245% | 4,329 |
| Net loans and leases to deposits | 65.7487% | 4,178 |
| Net loans and leases to core deposits | 75.5155% | 3,777 |
| Total domestic deposits to total assets | 82.3203% | 3,623 |
| Equity capital to assets | 15.1761% | 656 |
| Core capital (leverage) ratio | 14.9947% | 671 |
| Tier 1 risk-based capital ratio | 28.8352% | 528 |
| Total risk-based capital ratio | 29.7552% | 530 |
| Memoranda: | ||
| Average total assets | $119,543,000 | 3,869 |
| Average earning assets | $108,855,670 | 3,894 |
| Average equity | $17,970,000 | 3,335 |
| Average total loans | $65,541,000 | 4,032 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3179% | 2,458 |
| Cost of funding earning assets | 0.4798% | 2,965 |
| Net interest margin | 3.8381% | 2,269 |
| Noninterest income to average assets | 0.5079% | 2,758 |
| Noninterest expense to average assets | 2.7936% | 2,708 |
| Loan and lease loss provision to assets | 0.0200% | 3,276 |
| Net operating income to assets | 0.7853% | 3,771 |
| Return on assets (ROA) | 0.7853% | 3,765 |
| Pretax return on assets | 1.1428% | 2,995 |
| Return on Equity (ROE) | 5.2491% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.2491% | 3,061 |
| Net charge-offs to loans | 0.0730% | 1,391 |
| Credit loss provision to net charge-offs | 50.0000% | 1,944 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,261 |
| Efficiency ratio | 70.6081% | 2,403 |
| Assets per employee ($millions) | 5.2159% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,441 |
| Loan loss allowance to noncurrent loans | 31.2435% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.7288% | 729 |
| Noncurrent loans to loans | 2.8880% | 427 |
| Net loans and leases to total assets | 54.7460% | 4,224 |
| Net loans and leases to deposits | 66.3541% | 4,063 |
| Net loans and leases to core deposits | 76.5678% | 3,617 |
| Total domestic deposits to total assets | 82.5057% | 3,812 |
| Equity capital to assets | 14.8993% | 697 |
| Core capital (leverage) ratio | 14.7135% | 708 |
| Tier 1 risk-based capital ratio | 28.0811% | 555 |
| Total risk-based capital ratio | 29.0340% | 564 |
| Memoranda: | ||
| Average total assets | $119,701,000 | 3,903 |
| Average earning assets | $107,552,000 | 3,958 |
| Average equity | $17,908,000 | 3,365 |
| Average total loans | $65,760,000 | 4,062 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 2,699 |
| Cost of funding earning assets | 0.5086% | 2,260 |
| Net interest margin | 3.6873% | 2,845 |
| Noninterest income to average assets | 0.8041% | 1,552 |
| Noninterest expense to average assets | 2.9188% | 2,388 |
| Loan and lease loss provision to assets | -0.0735% | 5,437 |
| Net operating income to assets | 0.9148% | 2,630 |
| Return on assets (ROA) | 0.9148% | 2,658 |
| Pretax return on assets | 1.3082% | 2,313 |
| Return on Equity (ROE) | 6.2715% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.6852% | 2,331 |
| Net charge-offs to loans | 0.0357% | 3,080 |
| Credit loss provision to net charge-offs | -386.9565% | 4,908 |
| Earnings coverage of net charge-offs (x) | 64.9565% | 899 |
| Efficiency ratio | 70.2746% | 2,506 |
| Assets per employee ($millions) | 5.1929% | 2,259 |
| Cash dividends to net income (ytd only)* | 25.2936% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 4,323 |
| Loan loss allowance to noncurrent loans | 30.4676% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.7616% | 715 |
| Noncurrent loans to loans | 3.0485% | 362 |
| Net loans and leases to total assets | 54.1206% | 4,350 |
| Net loans and leases to deposits | 65.8242% | 4,202 |
| Net loans and leases to core deposits | 75.8303% | 3,757 |
| Total domestic deposits to total assets | 82.2199% | 3,812 |
| Equity capital to assets | 15.0221% | 672 |
| Core capital (leverage) ratio | 14.4955% | 733 |
| Tier 1 risk-based capital ratio | 28.4127% | 522 |
| Total risk-based capital ratio | 29.4002% | 525 |
| Memoranda: | ||
| Average total assets | $121,007,800 | 3,878 |
| Average earning assets | $109,917,600 | 3,915 |
| Average equity | $17,651,400 | 3,409 |
| Average total loans | $64,407,600 | 4,091 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 2,996 |
| Cost of funding earning assets | 0.5073% | 2,205 |
| Net interest margin | 3.5894% | 3,195 |
| Noninterest income to average assets | 0.9017% | 1,267 |
| Noninterest expense to average assets | 2.6402% | 3,284 |
| Loan and lease loss provision to assets | -0.0868% | 5,573 |
| Net operating income to assets | 1.1191% | 1,996 |
| Return on assets (ROA) | 1.1191% | 2,061 |
| Pretax return on assets | 1.6430% | 1,266 |
| Return on Equity (ROE) | 7.7288% | 3,275 |
| Retained earnings to average equity (ytd only) | 5.6051% | 2,479 |
| Net charge-offs to loans | 0.0436% | 2,569 |
| Credit loss provision to net charge-offs | -376.1905% | 4,746 |
| Earnings coverage of net charge-offs (x) | 67.4746% | 920 |
| Efficiency ratio | 62.9155% | 3,727 |
| Assets per employee ($millions) | 5.2813% | 2,141 |
| Cash dividends to net income (ytd only)* | 27.4777% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 4,348 |
| Loan loss allowance to noncurrent loans | 32.9249% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.5493% | 970 |
| Noncurrent loans to loans | 2.8668% | 463 |
| Net loans and leases to total assets | 53.3913% | 4,467 |
| Net loans and leases to deposits | 64.9713% | 4,321 |
| Net loans and leases to core deposits | 74.5631% | 3,925 |
| Total domestic deposits to total assets | 82.1768% | 3,718 |
| Equity capital to assets | 14.8216% | 774 |
| Core capital (leverage) ratio | 14.2601% | 822 |
| Tier 1 risk-based capital ratio | 28.2484% | 549 |
| Total risk-based capital ratio | 29.2544% | 559 |
| Memoranda: | ||
| Average total assets | $121,400,500 | 3,913 |
| Average earning assets | $111,436,250 | 3,928 |
| Average equity | $17,578,750 | 3,448 |
| Average total loans | $64,198,000 | 4,127 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,015 |
| Cost of funding earning assets | 0.4994% | 2,166 |
| Net interest margin | 3.5488% | 3,217 |
| Noninterest income to average assets | 0.4927% | 3,066 |
| Noninterest expense to average assets | 2.6249% | 3,356 |
| Loan and lease loss provision to assets | -0.1384% | 5,673 |
| Net operating income to assets | 0.9804% | 2,525 |
| Return on assets (ROA) | 0.9804% | 2,572 |
| Pretax return on assets | 1.3199% | 2,310 |
| Return on Equity (ROE) | 6.8246% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.8246% | 1,678 |
| Net charge-offs to loans | 0.0408% | 2,382 |
| Credit loss provision to net charge-offs | -646.1538% | 4,734 |
| Earnings coverage of net charge-offs (x) | 55.1538% | 1,005 |
| Efficiency ratio | 68.9610% | 2,856 |
| Assets per employee ($millions) | 5.3113% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 4,310 |
| Loan loss allowance to noncurrent loans | 31.8952% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.1382% | 570 |
| Noncurrent loans to loans | 3.0478% | 424 |
| Net loans and leases to total assets | 51.7858% | 4,593 |
| Net loans and leases to deposits | 62.6918% | 4,455 |
| Net loans and leases to core deposits | 71.8075% | 4,105 |
| Total domestic deposits to total assets | 82.6038% | 3,683 |
| Equity capital to assets | 14.6506% | 782 |
| Core capital (leverage) ratio | 14.1209% | 826 |
| Tier 1 risk-based capital ratio | 29.5658% | 486 |
| Total risk-based capital ratio | 30.6295% | 487 |
| Memoranda: | ||
| Average total assets | $121,377,000 | 3,943 |
| Average earning assets | $113,334,670 | 3,919 |
| Average equity | $17,437,000 | 3,474 |
| Average total loans | $63,773,000 | 4,154 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 3,101 |
| Cost of funding earning assets | 0.4994% | 2,091 |
| Net interest margin | 3.4850% | 3,331 |
| Noninterest income to average assets | 0.5125% | 2,895 |
| Noninterest expense to average assets | 2.7177% | 3,076 |
| Loan and lease loss provision to assets | 0.0231% | 3,279 |
| Net operating income to assets | 0.7505% | 3,475 |
| Return on assets (ROA) | 0.7505% | 3,526 |
| Pretax return on assets | 1.0249% | 3,262 |
| Return on Equity (ROE) | 5.2769% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.2769% | 2,746 |
| Net charge-offs to loans | 0.0502% | 1,857 |
| Credit loss provision to net charge-offs | 87.5000% | 1,709 |
| Earnings coverage of net charge-offs (x) | 39.6250% | 1,046 |
| Efficiency ratio | 72.1686% | 2,542 |
| Assets per employee ($millions) | 5.3150% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,549 |
| Loan loss allowance to noncurrent loans | 35.1816% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 2.2823% | 537 |
| Noncurrent loans to loans | 3.1972% | 401 |
| Net loans and leases to total assets | 51.5584% | 4,553 |
| Net loans and leases to deposits | 62.1574% | 4,424 |
| Net loans and leases to core deposits | 70.6272% | 4,097 |
| Total domestic deposits to total assets | 82.9480% | 3,859 |
| Equity capital to assets | 14.2224% | 842 |
| Core capital (leverage) ratio | 13.7333% | 908 |
| Tier 1 risk-based capital ratio | 28.6307% | 525 |
| Total risk-based capital ratio | 29.8543% | 517 |
| Memoranda: | ||
| Average total assets | $120,986,000 | 3,981 |
| Average earning assets | $112,942,500 | 3,964 |
| Average equity | $17,207,000 | 3,515 |
| Average total loans | $63,718,500 | 4,188 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 2,678 |
| Cost of funding earning assets | 0.5265% | 1,890 |
| Net interest margin | 3.6177% | 3,005 |
| Noninterest income to average assets | 0.4140% | 3,783 |
| Noninterest expense to average assets | 3.0466% | 2,192 |
| Loan and lease loss provision to assets | -0.0851% | 5,669 |
| Net operating income to assets | 0.7579% | 3,499 |
| Return on assets (ROA) | 0.7579% | 3,614 |
| Pretax return on assets | 0.8247% | 4,112 |
| Return on Equity (ROE) | 5.2831% | 4,285 |
| Retained earnings to average equity (ytd only) | 3.6539% | 3,319 |
| Net charge-offs to loans | -0.0352% | 5,301 |
| Credit loss provision to net charge-offs | 463.6364% | 697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4674% | 1,363 |
| Assets per employee ($millions) | 5.2056% | 2,165 |
| Cash dividends to net income (ytd only)* | 30.8370% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 3,556 |
| Loan loss allowance to noncurrent loans | 34.6525% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 2.3253% | 535 |
| Noncurrent loans to loans | 3.2531% | 384 |
| Net loans and leases to total assets | 52.5984% | 4,560 |
| Net loans and leases to deposits | 63.5951% | 4,441 |
| Net loans and leases to core deposits | 71.6089% | 4,104 |
| Total domestic deposits to total assets | 82.7083% | 3,857 |
| Equity capital to assets | 14.2222% | 820 |
| Core capital (leverage) ratio | 13.6794% | 905 |
| Tier 1 risk-based capital ratio | 27.9952% | 563 |
| Total risk-based capital ratio | 29.2156% | 559 |
| Memoranda: | ||
| Average total assets | $119,804,400 | 4,004 |
| Average earning assets | $111,674,600 | 3,976 |
| Average equity | $17,187,000 | 3,529 |
| Average total loans | $62,531,200 | 4,211 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 2,652 |
| Cost of funding earning assets | 0.5314% | 1,867 |
| Net interest margin | 3.6266% | 2,981 |
| Noninterest income to average assets | 0.6432% | 2,462 |
| Noninterest expense to average assets | 2.7417% | 3,206 |
| Loan and lease loss provision to assets | -0.1113% | 5,804 |
| Net operating income to assets | 1.1016% | 1,989 |
| Return on assets (ROA) | 1.1016% | 2,091 |
| Pretax return on assets | 1.3920% | 2,061 |
| Return on Equity (ROE) | 7.6623% | 3,210 |
| Retained earnings to average equity (ytd only) | 5.4952% | 2,487 |
| Net charge-offs to loans | -0.0557% | 5,401 |
| Credit loss provision to net charge-offs | 384.6154% | 866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1604% | 3,195 |
| Assets per employee ($millions) | 5.1994% | 2,148 |
| Cash dividends to net income (ytd only)* | 28.2825% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,519 |
| Loan loss allowance to noncurrent loans | 20.0888% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 3.8140% | 233 |
| Noncurrent loans to loans | 5.7450% | 125 |
| Net loans and leases to total assets | 51.8526% | 4,668 |
| Net loans and leases to deposits | 63.1270% | 4,551 |
| Net loans and leases to core deposits | 71.2166% | 4,233 |
| Total domestic deposits to total assets | 82.1402% | 3,906 |
| Equity capital to assets | 14.6613% | 826 |
| Core capital (leverage) ratio | 14.0820% | 823 |
| Tier 1 risk-based capital ratio | 30.3808% | 466 |
| Total risk-based capital ratio | 31.6329% | 462 |
| Memoranda: | ||
| Average total assets | $119,823,500 | 4,022 |
| Average earning assets | $111,652,500 | 4,001 |
| Average equity | $17,226,750 | 3,552 |
| Average total loans | $62,240,750 | 4,249 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 2,241 |
| Cost of funding earning assets | 0.5363% | 1,811 |
| Net interest margin | 3.7363% | 2,566 |
| Noninterest income to average assets | 0.7122% | 2,083 |
| Noninterest expense to average assets | 2.6538% | 3,535 |
| Loan and lease loss provision to assets | -0.0200% | 5,784 |
| Net operating income to assets | 1.2777% | 1,342 |
| Return on assets (ROA) | 1.2777% | 1,455 |
| Pretax return on assets | 1.5646% | 1,478 |
| Return on Equity (ROE) | 8.9462% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.9462% | 867 |
| Net charge-offs to loans | 0.1836% | 1,243 |
| Credit loss provision to net charge-offs | -21.0526% | 4,479 |
| Earnings coverage of net charge-offs (x) | 16.2456% | 1,937 |
| Efficiency ratio | 63.2102% | 4,153 |
| Assets per employee ($millions) | 5.2042% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 3,516 |
| Loan loss allowance to noncurrent loans | 19.6337% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 3.9274% | 233 |
| Noncurrent loans to loans | 5.9690% | 122 |
| Net loans and leases to total assets | 51.3597% | 4,734 |
| Net loans and leases to deposits | 62.4680% | 4,620 |
| Net loans and leases to core deposits | 70.5526% | 4,289 |
| Total domestic deposits to total assets | 82.2176% | 3,934 |
| Equity capital to assets | 14.6687% | 821 |
| Core capital (leverage) ratio | 14.1050% | 794 |
| Tier 1 risk-based capital ratio | 30.3607% | 480 |
| Total risk-based capital ratio | 31.6146% | 477 |
| Memoranda: | ||
| Average total assets | $119,902,330 | 4,045 |
| Average earning assets | $111,876,000 | 4,023 |
| Average equity | $17,124,670 | 3,572 |
| Average total loans | $62,076,670 | 4,283 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 3,196 |
| Cost of funding earning assets | 0.5431% | 1,769 |
| Net interest margin | 3.4658% | 3,602 |
| Noninterest income to average assets | 1.0233% | 1,027 |
| Noninterest expense to average assets | 2.7766% | 3,160 |
| Loan and lease loss provision to assets | 0.0600% | 2,752 |
| Net operating income to assets | 1.3933% | 1,047 |
| Return on assets (ROA) | 1.3933% | 1,108 |
| Pretax return on assets | 1.4199% | 1,845 |
| Return on Equity (ROE) | 9.8888% | 2,035 |
| Retained earnings to average equity (ytd only) | 9.8888% | 874 |
| Net charge-offs to loans | 0.2774% | 765 |
| Credit loss provision to net charge-offs | 41.8605% | 2,136 |
| Earnings coverage of net charge-offs (x) | 10.3256% | 1,931 |
| Efficiency ratio | 65.2310% | 3,938 |
| Assets per employee ($millions) | 5.2080% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 3,209 |
| Loan loss allowance to noncurrent loans | 15.9250% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 4.9222% | 166 |
| Noncurrent loans to loans | 7.8348% | 73 |
| Net loans and leases to total assets | 51.0757% | 4,717 |
| Net loans and leases to deposits | 61.9184% | 4,579 |
| Net loans and leases to core deposits | 70.9090% | 4,167 |
| Total domestic deposits to total assets | 82.4886% | 4,073 |
| Equity capital to assets | 14.3332% | 873 |
| Core capital (leverage) ratio | 13.8403% | 854 |
| Tier 1 risk-based capital ratio | 29.5207% | 525 |
| Total risk-based capital ratio | 30.7743% | 517 |
| Memoranda: | ||
| Average total assets | $120,005,000 | 4,070 |
| Average earning assets | $111,950,000 | 4,048 |
| Average equity | $16,908,000 | 3,606 |
| Average total loans | $62,012,500 | 4,313 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 3,374 |
| Cost of funding earning assets | 0.5858% | 1,461 |
| Net interest margin | 3.3963% | 3,931 |
| Noninterest income to average assets | 0.3808% | 4,178 |
| Noninterest expense to average assets | 2.6384% | 3,789 |
| Loan and lease loss provision to assets | 0.0642% | 3,009 |
| Net operating income to assets | 0.5700% | 4,422 |
| Return on assets (ROA) | 0.5700% | 4,510 |
| Pretax return on assets | 0.8333% | 4,097 |
| Return on Equity (ROE) | 4.1277% | 4,887 |
| Retained earnings to average equity (ytd only) | 2.4380% | 4,331 |
| Net charge-offs to loans | 0.0613% | 3,000 |
| Credit loss provision to net charge-offs | 202.6316% | 1,376 |
| Earnings coverage of net charge-offs (x) | 28.3421% | 1,511 |
| Efficiency ratio | 74.6170% | 2,485 |
| Assets per employee ($millions) | 5.2272% | 2,089 |
| Cash dividends to net income (ytd only)* | 40.9357% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,990 |
| Loan loss allowance to noncurrent loans | 16.9032% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 4.8018% | 188 |
| Noncurrent loans to loans | 7.6058% | 82 |
| Net loans and leases to total assets | 50.9653% | 4,780 |
| Net loans and leases to deposits | 61.5080% | 4,670 |
| Net loans and leases to core deposits | 70.2962% | 4,286 |
| Total domestic deposits to total assets | 82.8596% | 3,882 |
| Equity capital to assets | 13.8465% | 983 |
| Core capital (leverage) ratio | 13.4109% | 1,000 |
| Tier 1 risk-based capital ratio | 28.5512% | 577 |
| Total risk-based capital ratio | 29.8080% | 564 |
| Memoranda: | ||
| Average total assets | $119,998,600 | 4,069 |
| Average earning assets | $111,475,400 | 4,046 |
| Average equity | $16,570,800 | 3,591 |
| Average total loans | $62,001,800 | 4,321 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,431 |
| Cost of funding earning assets | 0.5930% | 1,449 |
| Net interest margin | 3.3832% | 4,023 |
| Noninterest income to average assets | 0.5013% | 3,351 |
| Noninterest expense to average assets | 2.5034% | 4,182 |
| Loan and lease loss provision to assets | 0.1034% | 2,134 |
| Net operating income to assets | 0.7492% | 3,684 |
| Return on assets (ROA) | 0.7492% | 3,779 |
| Pretax return on assets | 1.0338% | 3,487 |
| Return on Equity (ROE) | 5.4293% | 4,436 |
| Retained earnings to average equity (ytd only) | 3.1738% | 4,204 |
| Net charge-offs to loans | 0.1054% | 2,078 |
| Credit loss provision to net charge-offs | 189.7959% | 1,395 |
| Earnings coverage of net charge-offs (x) | 20.8782% | 1,848 |
| Efficiency ratio | 68.7634% | 3,415 |
| Assets per employee ($millions) | 4.8412% | 2,501 |
| Cash dividends to net income (ytd only)* | 41.5428% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 3,245 |
| Loan loss allowance to noncurrent loans | 17.2911% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 4.8509% | 210 |
| Noncurrent loans to loans | 7.3603% | 85 |
| Net loans and leases to total assets | 51.4682% | 4,801 |
| Net loans and leases to deposits | 62.3681% | 4,692 |
| Net loans and leases to core deposits | 71.8005% | 4,206 |
| Total domestic deposits to total assets | 82.5233% | 3,980 |
| Equity capital to assets | 13.8238% | 1,094 |
| Core capital (leverage) ratio | 13.5575% | 995 |
| Tier 1 risk-based capital ratio | 28.6361% | 587 |
| Total risk-based capital ratio | 29.8870% | 579 |
| Memoranda: | ||
| Average total assets | $119,942,000 | 4,118 |
| Average earning assets | $111,292,250 | 4,098 |
| Average equity | $16,551,750 | 3,617 |
| Average total loans | $61,984,500 | 4,363 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 3,435 |
| Cost of funding earning assets | 0.5970% | 1,437 |
| Net interest margin | 3.3656% | 4,031 |
| Noninterest income to average assets | 0.5034% | 3,346 |
| Noninterest expense to average assets | 2.5724% | 3,997 |
| Loan and lease loss provision to assets | 0.1020% | 2,134 |
| Net operating income to assets | 0.7075% | 3,854 |
| Return on assets (ROA) | 0.7075% | 3,977 |
| Pretax return on assets | 0.9500% | 3,772 |
| Return on Equity (ROE) | 5.1298% | 4,561 |
| Retained earnings to average equity (ytd only) | 5.1298% | 2,783 |
| Net charge-offs to loans | 0.0390% | 2,900 |
| Credit loss provision to net charge-offs | 508.3333% | 617 |
| Earnings coverage of net charge-offs (x) | 52.4167% | 926 |
| Efficiency ratio | 70.9737% | 3,160 |
| Assets per employee ($millions) | 5.0120% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,208 |
| Loan loss allowance to noncurrent loans | 15.6317% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 5.3397% | 190 |
| Noncurrent loans to loans | 8.3614% | 76 |
| Net loans and leases to total assets | 50.7220% | 4,867 |
| Net loans and leases to deposits | 61.2946% | 4,749 |
| Net loans and leases to core deposits | 70.8412% | 4,241 |
| Total domestic deposits to total assets | 82.7513% | 4,046 |
| Equity capital to assets | 13.8236% | 1,043 |
| Core capital (leverage) ratio | 13.6633% | 938 |
| Tier 1 risk-based capital ratio | 29.1749% | 578 |
| Total risk-based capital ratio | 30.4279% | 571 |
| Memoranda: | ||
| Average total assets | $119,579,330 | 4,165 |
| Average earning assets | $110,885,330 | 4,137 |
| Average equity | $16,492,000 | 3,642 |
| Average total loans | $61,614,330 | 4,420 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 3,508 |
| Cost of funding earning assets | 0.6053% | 1,395 |
| Net interest margin | 3.3202% | 4,133 |
| Noninterest income to average assets | 0.4999% | 3,289 |
| Noninterest expense to average assets | 2.4726% | 4,358 |
| Loan and lease loss provision to assets | 0.1006% | 2,012 |
| Net operating income to assets | 0.7616% | 3,472 |
| Return on assets (ROA) | 0.7616% | 3,611 |
| Pretax return on assets | 0.9998% | 3,507 |
| Return on Equity (ROE) | 5.5285% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.5285% | 2,759 |
| Net charge-offs to loans | 0.0455% | 2,348 |
| Credit loss provision to net charge-offs | 428.5714% | 618 |
| Earnings coverage of net charge-offs (x) | 46.8571% | 880 |
| Efficiency ratio | 69.2019% | 3,623 |
| Assets per employee ($millions) | 5.0016% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 3,526 |
| Loan loss allowance to noncurrent loans | 17.8132% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 4.5711% | 290 |
| Noncurrent loans to loans | 7.1778% | 121 |
| Net loans and leases to total assets | 50.2999% | 4,815 |
| Net loans and leases to deposits | 60.8512% | 4,679 |
| Net loans and leases to core deposits | 70.1453% | 4,138 |
| Total domestic deposits to total assets | 82.6605% | 4,287 |
| Equity capital to assets | 13.8206% | 1,047 |
| Core capital (leverage) ratio | 13.4204% | 1,000 |
| Tier 1 risk-based capital ratio | 29.4934% | 568 |
| Total risk-based capital ratio | 30.7446% | 557 |
| Memoranda: | ||
| Average total assets | $119,225,500 | 4,196 |
| Average earning assets | $110,353,500 | 4,176 |
| Average equity | $16,424,000 | 3,672 |
| Average total loans | $61,511,500 | 4,451 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,519 |
| Cost of funding earning assets | 0.6660% | 1,290 |
| Net interest margin | 3.3857% | 4,248 |
| Noninterest income to average assets | 0.4169% | 4,063 |
| Noninterest expense to average assets | 2.7121% | 3,819 |
| Loan and lease loss provision to assets | 0.1042% | 2,415 |
| Net operating income to assets | 0.5202% | 4,727 |
| Return on assets (ROA) | 0.5202% | 4,817 |
| Pretax return on assets | 0.7453% | 4,462 |
| Return on Equity (ROE) | 3.8955% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.1475% | 4,706 |
| Net charge-offs to loans | 0.5363% | 759 |
| Credit loss provision to net charge-offs | 37.2024% | 3,730 |
| Earnings coverage of net charge-offs (x) | 3.0327% | 4,000 |
| Efficiency ratio | 76.1470% | 2,486 |
| Assets per employee ($millions) | 4.9339% | 2,408 |
| Cash dividends to net income (ytd only)* | 44.8718% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 3,856 |
| Loan loss allowance to noncurrent loans | 17.2626% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 4.6346% | 322 |
| Noncurrent loans to loans | 7.0981% | 142 |
| Net loans and leases to total assets | 51.6024% | 4,823 |
| Net loans and leases to deposits | 62.4479% | 4,688 |
| Net loans and leases to core deposits | 72.1068% | 4,111 |
| Total domestic deposits to total assets | 82.6328% | 4,204 |
| Equity capital to assets | 13.7299% | 1,057 |
| Core capital (leverage) ratio | 13.4666% | 979 |
| Tier 1 risk-based capital ratio | 27.1264% | 676 |
| Total risk-based capital ratio | 28.3755% | 655 |
| Memoranda: | ||
| Average total assets | $119,944,600 | 4,180 |
| Average earning assets | $111,408,800 | 4,149 |
| Average equity | $16,018,600 | 3,663 |
| Average total loans | $62,646,400 | 4,407 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 3,646 |
| Cost of funding earning assets | 0.6752% | 1,291 |
| Net interest margin | 3.3536% | 4,418 |
| Noninterest income to average assets | 0.5097% | 3,485 |
| Noninterest expense to average assets | 2.5485% | 4,370 |
| Loan and lease loss provision to assets | 0.1097% | 2,214 |
| Net operating income to assets | 0.6881% | 4,005 |
| Return on assets (ROA) | 0.6881% | 4,095 |
| Pretax return on assets | 0.9718% | 3,709 |
| Return on Equity (ROE) | 5.1883% | 4,631 |
| Retained earnings to average equity (ytd only) | 2.8490% | 4,570 |
| Net charge-offs to loans | 0.7086% | 490 |
| Credit loss provision to net charge-offs | 29.6407% | 3,458 |
| Earnings coverage of net charge-offs (x) | 2.9222% | 3,791 |
| Efficiency ratio | 70.2076% | 3,476 |
| Assets per employee ($millions) | 5.0663% | 2,165 |
| Cash dividends to net income (ytd only)* | 45.0880% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 4,324 |
| Loan loss allowance to noncurrent loans | 16.1432% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 4.7767% | 372 |
| Noncurrent loans to loans | 7.3285% | 154 |
| Net loans and leases to total assets | 50.4910% | 4,951 |
| Net loans and leases to deposits | 61.3203% | 4,812 |
| Net loans and leases to core deposits | 70.0198% | 4,322 |
| Total domestic deposits to total assets | 82.3398% | 4,367 |
| Equity capital to assets | 13.2782% | 1,288 |
| Core capital (leverage) ratio | 13.4253% | 1,022 |
| Tier 1 risk-based capital ratio | 26.9004% | 716 |
| Total risk-based capital ratio | 28.1227% | 698 |
| Memoranda: | ||
| Average total assets | $120,327,500 | 4,209 |
| Average earning assets | $111,957,250 | 4,175 |
| Average equity | $15,958,750 | 3,691 |
| Average total loans | $62,842,500 | 4,433 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,741 |
| Cost of funding earning assets | 0.6896% | 1,245 |
| Net interest margin | 3.3060% | 4,560 |
| Noninterest income to average assets | 0.5121% | 3,392 |
| Noninterest expense to average assets | 2.5803% | 4,308 |
| Loan and lease loss provision to assets | 0.1017% | 2,320 |
| Net operating income to assets | 0.6088% | 4,318 |
| Return on assets (ROA) | 0.6088% | 4,411 |
| Pretax return on assets | 0.9007% | 3,885 |
| Return on Equity (ROE) | 4.5922% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.5922% | 3,237 |
| Net charge-offs to loans | 0.0793% | 2,901 |
| Credit loss provision to net charge-offs | 244.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 24.0400% | 1,443 |
| Efficiency ratio | 72.0205% | 3,338 |
| Assets per employee ($millions) | 4.9816% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 2,461 |
| Loan loss allowance to noncurrent loans | 33.9865% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 3.4427% | 685 |
| Noncurrent loans to loans | 4.7064% | 453 |
| Net loans and leases to total assets | 51.7627% | 4,766 |
| Net loans and leases to deposits | 62.7078% | 4,622 |
| Net loans and leases to core deposits | 72.0152% | 4,053 |
| Total domestic deposits to total assets | 82.5459% | 4,464 |
| Equity capital to assets | 13.5130% | 1,149 |
| Core capital (leverage) ratio | 13.3873% | 1,018 |
| Tier 1 risk-based capital ratio | 28.0753% | 641 |
| Total risk-based capital ratio | 29.3248% | 629 |
| Memoranda: | ||
| Average total assets | $119,906,670 | 4,242 |
| Average earning assets | $111,372,330 | 4,207 |
| Average equity | $15,896,670 | 3,707 |
| Average total loans | $63,081,000 | 4,452 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,816 |
| Cost of funding earning assets | 0.7021% | 1,232 |
| Net interest margin | 3.2669% | 4,681 |
| Noninterest income to average assets | 0.5496% | 3,049 |
| Noninterest expense to average assets | 2.5017% | 4,621 |
| Loan and lease loss provision to assets | 0.0999% | 2,258 |
| Net operating income to assets | 0.6929% | 3,723 |
| Return on assets (ROA) | 0.6929% | 3,802 |
| Pretax return on assets | 0.9860% | 3,382 |
| Return on Equity (ROE) | 5.2768% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.2768% | 2,942 |
| Net charge-offs to loans | 0.1203% | 2,002 |
| Credit loss provision to net charge-offs | 157.8947% | 1,212 |
| Earnings coverage of net charge-offs (x) | 17.1579% | 1,468 |
| Efficiency ratio | 69.7307% | 3,876 |
| Assets per employee ($millions) | 5.0343% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 2,869 |
| Loan loss allowance to noncurrent loans | 36.0927% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 3.2063% | 842 |
| Noncurrent loans to loans | 4.3308% | 587 |
| Net loans and leases to total assets | 51.1318% | 4,778 |
| Net loans and leases to deposits | 61.8285% | 4,567 |
| Net loans and leases to core deposits | 71.1756% | 3,960 |
| Total domestic deposits to total assets | 82.6995% | 4,716 |
| Equity capital to assets | 13.1581% | 1,230 |
| Core capital (leverage) ratio | 13.3264% | 1,027 |
| Tier 1 risk-based capital ratio | 27.7892% | 655 |
| Total risk-based capital ratio | 29.0399% | 644 |
| Memoranda: | ||
| Average total assets | $120,080,500 | 4,276 |
| Average earning assets | $111,665,000 | 4,227 |
| Average equity | $15,767,000 | 3,738 |
| Average total loans | $63,175,000 | 4,486 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 3,372 |
| Cost of funding earning assets | 0.7935% | 1,245 |
| Net interest margin | 3.3987% | 4,278 |
| Noninterest income to average assets | 0.4479% | 4,098 |
| Noninterest expense to average assets | 2.5644% | 4,574 |
| Loan and lease loss provision to assets | 0.0706% | 3,711 |
| Net operating income to assets | 0.6515% | 4,025 |
| Return on assets (ROA) | 0.6520% | 4,128 |
| Pretax return on assets | 0.9629% | 3,503 |
| Return on Equity (ROE) | 4.9635% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.1726% | 3,977 |
| Net charge-offs to loans | 0.2507% | 2,467 |
| Credit loss provision to net charge-offs | 50.6024% | 3,798 |
| Earnings coverage of net charge-offs (x) | 7.4036% | 2,853 |
| Efficiency ratio | 71.2918% | 3,612 |
| Assets per employee ($millions) | 4.9724% | 2,208 |
| Cash dividends to net income (ytd only)* | 36.0825% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 3,068 |
| Loan loss allowance to noncurrent loans | 35.2727% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 3.2731% | 925 |
| Noncurrent loans to loans | 4.3246% | 631 |
| Net loans and leases to total assets | 52.4728% | 4,790 |
| Net loans and leases to deposits | 63.5220% | 4,559 |
| Net loans and leases to core deposits | 73.0279% | 3,940 |
| Total domestic deposits to total assets | 82.6057% | 4,677 |
| Equity capital to assets | 13.1023% | 1,228 |
| Core capital (leverage) ratio | 13.1828% | 1,062 |
| Tier 1 risk-based capital ratio | 27.1748% | 663 |
| Total risk-based capital ratio | 28.4241% | 651 |
| Memoranda: | ||
| Average total assets | $119,012,600 | 4,295 |
| Average earning assets | $110,276,600 | 4,253 |
| Average equity | $15,634,000 | 3,756 |
| Average total loans | $66,217,000 | 4,406 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 3,351 |
| Cost of funding earning assets | 0.8052% | 1,292 |
| Net interest margin | 3.4047% | 4,268 |
| Noninterest income to average assets | 0.5404% | 3,519 |
| Noninterest expense to average assets | 2.4193% | 4,962 |
| Loan and lease loss provision to assets | 0.1031% | 3,046 |
| Net operating income to assets | 0.8098% | 3,297 |
| Return on assets (ROA) | 0.8105% | 3,426 |
| Pretax return on assets | 1.1715% | 2,809 |
| Return on Equity (ROE) | 6.1661% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.7781% | 3,990 |
| Net charge-offs to loans | 0.3190% | 1,945 |
| Credit loss provision to net charge-offs | 57.5000% | 3,347 |
| Earnings coverage of net charge-offs (x) | 7.0999% | 2,846 |
| Efficiency ratio | 65.5131% | 4,571 |
| Assets per employee ($millions) | 4.9759% | 2,197 |
| Cash dividends to net income (ytd only)* | 38.7269% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 3,433 |
| Loan loss allowance to noncurrent loans | 33.4012% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 3.5178% | 968 |
| Noncurrent loans to loans | 4.5071% | 715 |
| Net loans and leases to total assets | 53.9088% | 4,627 |
| Net loans and leases to deposits | 65.5824% | 4,349 |
| Net loans and leases to core deposits | 75.8837% | 3,627 |
| Total domestic deposits to total assets | 82.2001% | 4,859 |
| Equity capital to assets | 13.0830% | 1,300 |
| Core capital (leverage) ratio | 13.1017% | 1,165 |
| Tier 1 risk-based capital ratio | 26.4383% | 751 |
| Total risk-based capital ratio | 27.6881% | 736 |
| Memoranda: | ||
| Average total assets | $118,931,250 | 4,340 |
| Average earning assets | $110,118,250 | 4,299 |
| Average equity | $15,633,500 | 3,805 |
| Average total loans | $66,873,750 | 4,413 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 3,487 |
| Cost of funding earning assets | 0.8150% | 1,335 |
| Net interest margin | 3.3509% | 4,374 |
| Noninterest income to average assets | 0.5254% | 3,667 |
| Noninterest expense to average assets | 2.4451% | 4,914 |
| Loan and lease loss provision to assets | 0.1010% | 3,108 |
| Net operating income to assets | 0.7633% | 3,502 |
| Return on assets (ROA) | 0.7645% | 3,650 |
| Pretax return on assets | 1.0828% | 3,162 |
| Return on Equity (ROE) | 5.8069% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.8069% | 2,553 |
| Net charge-offs to loans | 0.4542% | 1,445 |
| Credit loss provision to net charge-offs | 39.2157% | 3,431 |
| Earnings coverage of net charge-offs (x) | 4.5882% | 3,092 |
| Efficiency ratio | 67.4095% | 4,283 |
| Assets per employee ($millions) | 5.1833% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 3,760 |
| Loan loss allowance to noncurrent loans | 17.7856% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 5.5764% | 517 |
| Noncurrent loans to loans | 8.2168% | 244 |
| Net loans and leases to total assets | 54.2397% | 4,555 |
| Net loans and leases to deposits | 65.8818% | 4,280 |
| Net loans and leases to core deposits | 76.1028% | 3,532 |
| Total domestic deposits to total assets | 82.3289% | 4,934 |
| Equity capital to assets | 13.1315% | 1,294 |
| Core capital (leverage) ratio | 13.2012% | 1,096 |
| Tier 1 risk-based capital ratio | 25.9749% | 773 |
| Total risk-based capital ratio | 27.2249% | 761 |
| Memoranda: | ||
| Average total assets | $118,767,670 | 4,374 |
| Average earning assets | $109,941,330 | 4,340 |
| Average equity | $15,636,670 | 3,832 |
| Average total loans | $67,377,330 | 4,407 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 3,135 |
| Cost of funding earning assets | 0.8284% | 1,378 |
| Net interest margin | 3.4156% | 4,061 |
| Noninterest income to average assets | 0.5534% | 3,412 |
| Noninterest expense to average assets | 2.3991% | 5,124 |
| Loan and lease loss provision to assets | 0.1181% | 2,755 |
| Net operating income to assets | 0.7896% | 3,222 |
| Return on assets (ROA) | 0.7896% | 3,354 |
| Pretax return on assets | 1.1945% | 2,595 |
| Return on Equity (ROE) | 5.9894% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.9894% | 2,680 |
| Net charge-offs to loans | 0.6212% | 981 |
| Credit loss provision to net charge-offs | 33.0189% | 2,850 |
| Earnings coverage of net charge-offs (x) | 3.6698% | 2,705 |
| Efficiency ratio | 64.6364% | 4,899 |
| Assets per employee ($millions) | 5.1783% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 3,970 |
| Loan loss allowance to noncurrent loans | 18.7178% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 5.4701% | 632 |
| Noncurrent loans to loans | 7.8015% | 346 |
| Net loans and leases to total assets | 55.5809% | 4,157 |
| Net loans and leases to deposits | 67.6774% | 3,808 |
| Net loans and leases to core deposits | 77.1511% | 3,187 |
| Total domestic deposits to total assets | 82.1262% | 5,150 |
| Equity capital to assets | 13.2046% | 1,337 |
| Core capital (leverage) ratio | 13.0573% | 1,095 |
| Tier 1 risk-based capital ratio | 25.2722% | 860 |
| Total risk-based capital ratio | 26.5218% | 846 |
| Memoranda: | ||
| Average total assets | $118,543,000 | 4,425 |
| Average earning assets | $109,615,500 | 4,381 |
| Average equity | $15,627,500 | 3,888 |
| Average total loans | $68,255,000 | 4,413 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 3,147 |
| Cost of funding earning assets | 0.9564% | 1,605 |
| Net interest margin | 3.6088% | 4,045 |
| Noninterest income to average assets | 0.2575% | 5,621 |
| Noninterest expense to average assets | 2.6072% | 4,716 |
| Loan and lease loss provision to assets | 0.0931% | 4,505 |
| Net operating income to assets | 0.6066% | 4,207 |
| Return on assets (ROA) | 0.6071% | 4,471 |
| Pretax return on assets | 0.8772% | 4,001 |
| Return on Equity (ROE) | 4.6915% | 4,837 |
| Retained earnings to average equity (ytd only) | 2.8771% | 4,218 |
| Net charge-offs to loans | 0.3892% | 2,696 |
| Credit loss provision to net charge-offs | 39.9281% | 4,937 |
| Earnings coverage of net charge-offs (x) | 4.1583% | 3,457 |
| Efficiency ratio | 72.8957% | 3,257 |
| Assets per employee ($millions) | 5.1297% | 2,065 |
| Cash dividends to net income (ytd only)* | 38.6740% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 3,674 |
| Loan loss allowance to noncurrent loans | 22.1988% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 5.0965% | 749 |
| Noncurrent loans to loans | 6.8353% | 474 |
| Net loans and leases to total assets | 57.8714% | 4,002 |
| Net loans and leases to deposits | 70.7071% | 3,601 |
| Net loans and leases to core deposits | 80.7481% | 2,911 |
| Total domestic deposits to total assets | 81.8467% | 5,148 |
| Equity capital to assets | 13.1611% | 1,371 |
| Core capital (leverage) ratio | 12.9217% | 1,141 |
| Tier 1 risk-based capital ratio | 24.5939% | 900 |
| Total risk-based capital ratio | 25.8398% | 881 |
| Memoranda: | ||
| Average total assets | $119,245,800 | 4,374 |
| Average earning assets | $109,677,400 | 4,349 |
| Average equity | $15,432,200 | 3,871 |
| Average total loans | $71,420,800 | 4,304 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 2,901 |
| Cost of funding earning assets | 0.9796% | 1,683 |
| Net interest margin | 3.6986% | 3,796 |
| Noninterest income to average assets | 0.1673% | 6,299 |
| Noninterest expense to average assets | 2.4489% | 5,240 |
| Loan and lease loss provision to assets | -0.0424% | 6,988 |
| Net operating income to assets | 0.7865% | 3,521 |
| Return on assets (ROA) | 0.7873% | 3,755 |
| Pretax return on assets | 1.1598% | 3,132 |
| Return on Equity (ROE) | 6.1091% | 4,281 |
| Retained earnings to average equity (ytd only) | 3.6863% | 4,293 |
| Net charge-offs to loans | 0.1408% | 3,990 |
| Credit loss provision to net charge-offs | -50.0000% | 6,173 |
| Earnings coverage of net charge-offs (x) | 13.1711% | 1,936 |
| Efficiency ratio | 68.6894% | 3,932 |
| Assets per employee ($millions) | 5.1545% | 1,990 |
| Cash dividends to net income (ytd only)* | 39.6596% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 3,730 |
| Loan loss allowance to noncurrent loans | 40.9866% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 3.5191% | 1,420 |
| Noncurrent loans to loans | 3.7823% | 1,403 |
| Net loans and leases to total assets | 59.1916% | 3,933 |
| Net loans and leases to deposits | 72.6793% | 3,502 |
| Net loans and leases to core deposits | 82.5004% | 2,893 |
| Total domestic deposits to total assets | 81.4422% | 5,214 |
| Equity capital to assets | 13.1155% | 1,535 |
| Core capital (leverage) ratio | 12.9092% | 1,224 |
| Tier 1 risk-based capital ratio | 24.8697% | 919 |
| Total risk-based capital ratio | 26.1197% | 913 |
| Memoranda: | ||
| Average total assets | $119,561,250 | 4,410 |
| Average earning assets | $109,840,250 | 4,391 |
| Average equity | $15,408,250 | 3,910 |
| Average total loans | $71,943,250 | 4,326 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 3,295 |
| Cost of funding earning assets | 0.9991% | 1,768 |
| Net interest margin | 3.6159% | 4,194 |
| Noninterest income to average assets | 0.2569% | 5,741 |
| Noninterest expense to average assets | 2.4538% | 5,280 |
| Loan and lease loss provision to assets | -0.1968% | 7,155 |
| Net operating income to assets | 0.8846% | 2,979 |
| Return on assets (ROA) | 0.8858% | 3,236 |
| Pretax return on assets | 1.3161% | 2,498 |
| Return on Equity (ROE) | 6.9135% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.9135% | 2,153 |
| Net charge-offs to loans | 0.0859% | 4,289 |
| Credit loss provision to net charge-offs | -380.6452% | 6,243 |
| Earnings coverage of net charge-offs (x) | 21.6129% | 1,333 |
| Efficiency ratio | 68.7062% | 3,997 |
| Assets per employee ($millions) | 5.1599% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 4,062 |
| Loan loss allowance to noncurrent loans | 35.2321% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 4.3740% | 1,140 |
| Noncurrent loans to loans | 4.2243% | 1,284 |
| Net loans and leases to total assets | 59.6774% | 3,883 |
| Net loans and leases to deposits | 73.5582% | 3,367 |
| Net loans and leases to core deposits | 82.8448% | 2,850 |
| Total domestic deposits to total assets | 81.1296% | 5,423 |
| Equity capital to assets | 13.1499% | 1,451 |
| Core capital (leverage) ratio | 12.9946% | 1,153 |
| Tier 1 risk-based capital ratio | 24.5978% | 948 |
| Total risk-based capital ratio | 25.8463% | 933 |
| Memoranda: | ||
| Average total assets | $119,897,000 | 4,424 |
| Average earning assets | $109,902,000 | 4,413 |
| Average equity | $15,361,330 | 3,918 |
| Average total loans | $72,164,670 | 4,341 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 3,383 |
| Cost of funding earning assets | 1.0113% | 1,911 |
| Net interest margin | 3.6137% | 4,208 |
| Noninterest income to average assets | 0.5477% | 3,581 |
| Noninterest expense to average assets | 2.3468% | 5,639 |
| Loan and lease loss provision to assets | -0.5012% | 7,261 |
| Net operating income to assets | 1.3255% | 1,384 |
| Return on assets (ROA) | 1.3277% | 1,541 |
| Pretax return on assets | 2.0148% | 717 |
| Return on Equity (ROE) | 10.4994% | 2,235 |
| Retained earnings to average equity (ytd only) | 10.4994% | 1,161 |
| Net charge-offs to loans | 0.0332% | 4,223 |
| Credit loss provision to net charge-offs | -2,516.6667% | 6,102 |
| Earnings coverage of net charge-offs (x) | 75.8333% | 443 |
| Efficiency ratio | 60.8434% | 5,481 |
| Assets per employee ($millions) | 5.0805% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 4,295 |
| Loan loss allowance to noncurrent loans | 41.4520% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 4.0113% | 1,366 |
| Noncurrent loans to loans | 3.5451% | 1,753 |
| Net loans and leases to total assets | 58.3989% | 3,972 |
| Net loans and leases to deposits | 71.6621% | 3,484 |
| Net loans and leases to core deposits | 80.4726% | 3,014 |
| Total domestic deposits to total assets | 81.4921% | 5,467 |
| Equity capital to assets | 12.6644% | 1,615 |
| Core capital (leverage) ratio | 12.9509% | 1,146 |
| Tier 1 risk-based capital ratio | 24.3210% | 975 |
| Total risk-based capital ratio | 25.5709% | 959 |
| Memoranda: | ||
| Average total assets | $120,506,500 | 4,441 |
| Average earning assets | $110,357,500 | 4,427 |
| Average equity | $15,239,000 | 3,947 |
| Average total loans | $72,300,000 | 4,370 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 2,474 |
| Cost of funding earning assets | 1.2568% | 1,694 |
| Net interest margin | 3.8384% | 3,633 |
| Noninterest income to average assets | 0.1119% | 6,590 |
| Noninterest expense to average assets | 2.4956% | 5,483 |
| Loan and lease loss provision to assets | 0.2831% | 3,402 |
| Net operating income to assets | 0.5838% | 4,081 |
| Return on assets (ROA) | 0.5838% | 4,259 |
| Pretax return on assets | 0.8252% | 3,888 |
| Return on Equity (ROE) | 4.6857% | 4,533 |
| Retained earnings to average equity (ytd only) | 2.8088% | 4,247 |
| Net charge-offs to loans | 0.4766% | 3,086 |
| Credit loss provision to net charge-offs | 93.6464% | 3,849 |
| Earnings coverage of net charge-offs (x) | 3.6657% | 3,432 |
| Efficiency ratio | 69.2468% | 4,101 |
| Assets per employee ($millions) | 5.1774% | 1,970 |
| Cash dividends to net income (ytd only)* | 40.0572% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6853% | 3,252 |
| Loan loss allowance to noncurrent loans | 27.4859% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 5.6802% | 888 |
| Noncurrent loans to loans | 6.1315% | 794 |
| Net loans and leases to total assets | 59.7173% | 4,041 |
| Net loans and leases to deposits | 73.6958% | 3,545 |
| Net loans and leases to core deposits | 82.8483% | 3,050 |
| Total domestic deposits to total assets | 81.0322% | 5,434 |
| Equity capital to assets | 12.6267% | 1,725 |
| Core capital (leverage) ratio | 12.5757% | 1,317 |
| Tier 1 risk-based capital ratio | 23.7931% | 984 |
| Total risk-based capital ratio | 25.0439% | 970 |
| Memoranda: | ||
| Average total assets | $119,728,800 | 4,409 |
| Average earning assets | $108,924,600 | 4,421 |
| Average equity | $14,917,600 | 3,927 |
| Average total loans | $75,946,800 | 4,272 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 2,269 |
| Cost of funding earning assets | 1.3055% | 1,668 |
| Net interest margin | 3.8787% | 3,485 |
| Noninterest income to average assets | 0.1657% | 6,406 |
| Noninterest expense to average assets | 2.3554% | 5,893 |
| Loan and lease loss provision to assets | 0.4626% | 2,142 |
| Net operating income to assets | 0.5916% | 4,123 |
| Return on assets (ROA) | 0.5916% | 4,308 |
| Pretax return on assets | 0.8730% | 3,870 |
| Return on Equity (ROE) | 4.7644% | 4,632 |
| Retained earnings to average equity (ytd only) | 2.2568% | 4,998 |
| Net charge-offs to loans | 0.3539% | 3,323 |
| Credit loss provision to net charge-offs | 203.9216% | 1,437 |
| Earnings coverage of net charge-offs (x) | 5.8873% | 2,675 |
| Efficiency ratio | 63.8144% | 5,107 |
| Assets per employee ($millions) | 4.8355% | 2,420 |
| Cash dividends to net income (ytd only)* | 52.6307% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,367 |
| Loan loss allowance to noncurrent loans | 44.3834% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 4.8955% | 1,185 |
| Noncurrent loans to loans | 4.4758% | 1,439 |
| Net loans and leases to total assets | 59.3447% | 4,266 |
| Net loans and leases to deposits | 73.2983% | 3,760 |
| Net loans and leases to core deposits | 82.4626% | 3,257 |
| Total domestic deposits to total assets | 80.9632% | 5,448 |
| Equity capital to assets | 12.3231% | 2,014 |
| Core capital (leverage) ratio | 12.1555% | 1,616 |
| Tier 1 risk-based capital ratio | 24.0241% | 1,008 |
| Total risk-based capital ratio | 25.2883% | 994 |
| Memoranda: | ||
| Average total assets | $119,890,750 | 4,429 |
| Average earning assets | $108,969,250 | 4,454 |
| Average equity | $14,888,000 | 3,938 |
| Average total loans | $76,850,750 | 4,282 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 2,018 |
| Cost of funding earning assets | 1.3676% | 1,562 |
| Net interest margin | 3.8946% | 3,336 |
| Noninterest income to average assets | 0.1121% | 6,770 |
| Noninterest expense to average assets | 2.3637% | 5,951 |
| Loan and lease loss provision to assets | 0.1004% | 5,065 |
| Net operating income to assets | 0.7812% | 3,155 |
| Return on assets (ROA) | 0.7812% | 3,279 |
| Pretax return on assets | 1.1827% | 2,549 |
| Return on Equity (ROE) | 6.2748% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.2748% | 2,261 |
| Net charge-offs to loans | 0.4355% | 2,833 |
| Credit loss provision to net charge-offs | 35.2941% | 4,900 |
| Earnings coverage of net charge-offs (x) | 4.5118% | 2,841 |
| Efficiency ratio | 64.8165% | 5,090 |
| Assets per employee ($millions) | 5.1239% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 4,110 |
| Loan loss allowance to noncurrent loans | 47.7417% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 4.1570% | 1,532 |
| Noncurrent loans to loans | 3.1529% | 2,280 |
| Net loans and leases to total assets | 60.1794% | 4,238 |
| Net loans and leases to deposits | 74.3896% | 3,733 |
| Net loans and leases to core deposits | 82.7417% | 3,396 |
| Total domestic deposits to total assets | 80.8976% | 5,559 |
| Equity capital to assets | 12.2798% | 1,917 |
| Core capital (leverage) ratio | 12.4579% | 1,382 |
| Tier 1 risk-based capital ratio | 23.6296% | 1,047 |
| Total risk-based capital ratio | 24.8790% | 1,033 |
| Memoranda: | ||
| Average total assets | $119,558,670 | 4,470 |
| Average earning assets | $108,510,000 | 4,490 |
| Average equity | $14,885,000 | 3,928 |
| Average total loans | $78,069,670 | 4,284 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 1,423 |
| Cost of funding earning assets | 1.4474% | 1,397 |
| Net interest margin | 4.0039% | 2,670 |
| Noninterest income to average assets | 0.4582% | 4,205 |
| Noninterest expense to average assets | 2.3861% | 5,923 |
| Loan and lease loss provision to assets | 0.1120% | 4,615 |
| Net operating income to assets | 1.0895% | 1,876 |
| Return on assets (ROA) | 1.0895% | 1,922 |
| Pretax return on assets | 1.5749% | 1,243 |
| Return on Equity (ROE) | 8.6892% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.6892% | 1,497 |
| Net charge-offs to loans | 0.4526% | 2,338 |
| Credit loss provision to net charge-offs | 36.6667% | 4,009 |
| Earnings coverage of net charge-offs (x) | 5.5222% | 2,268 |
| Efficiency ratio | 58.5833% | 6,195 |
| Assets per employee ($millions) | 4.9635% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 4,197 |
| Loan loss allowance to noncurrent loans | 37.2524% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 5.4019% | 1,135 |
| Noncurrent loans to loans | 4.0334% | 1,798 |
| Net loans and leases to total assets | 65.2102% | 3,195 |
| Net loans and leases to deposits | 81.4796% | 2,448 |
| Net loans and leases to core deposits | 91.0829% | 2,229 |
| Total domestic deposits to total assets | 80.0326% | 5,937 |
| Equity capital to assets | 12.5315% | 1,617 |
| Core capital (leverage) ratio | 12.3605% | 1,384 |
| Tier 1 risk-based capital ratio | 22.3542% | 1,167 |
| Total risk-based capital ratio | 23.6097% | 1,146 |
| Memoranda: | ||
| Average total assets | $117,851,000 | 4,542 |
| Average earning assets | $106,397,500 | 4,582 |
| Average equity | $14,777,000 | 3,944 |
| Average total loans | $79,536,500 | 4,272 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7034% | 1,560 |
| Cost of funding earning assets | 1.6238% | 1,932 |
| Net interest margin | 4.0796% | 2,663 |
| Noninterest income to average assets | 0.4875% | 4,268 |
| Noninterest expense to average assets | 2.6122% | 5,363 |
| Loan and lease loss provision to assets | 0.3928% | 3,759 |
| Net operating income to assets | 0.7544% | 2,983 |
| Return on assets (ROA) | 0.7544% | 3,105 |
| Pretax return on assets | 1.1904% | 2,253 |
| Return on Equity (ROE) | 6.1677% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.2338% | 2,878 |
| Net charge-offs to loans | 0.6721% | 2,992 |
| Credit loss provision to net charge-offs | 83.1843% | 5,430 |
| Earnings coverage of net charge-offs (x) | 3.3524% | 3,403 |
| Efficiency ratio | 62.2634% | 5,687 |
| Assets per employee ($millions) | 5.0686% | 2,062 |
| Cash dividends to net income (ytd only)* | 31.3550% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,781 |
| Loan loss allowance to noncurrent loans | 34.7218% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 5.8759% | 1,026 |
| Noncurrent loans to loans | 4.4597% | 1,592 |
| Net loans and leases to total assets | 67.7358% | 3,046 |
| Net loans and leases to deposits | 85.3104% | 2,223 |
| Net loans and leases to core deposits | 95.1111% | 2,114 |
| Total domestic deposits to total assets | 79.3992% | 5,994 |
| Equity capital to assets | 12.5461% | 1,605 |
| Core capital (leverage) ratio | 12.2688% | 1,403 |
| Tier 1 risk-based capital ratio | 21.3704% | 1,266 |
| Total risk-based capital ratio | 22.6267% | 1,238 |
| Memoranda: | ||
| Average total assets | $118,367,200 | 4,512 |
| Average earning assets | $107,585,200 | 4,522 |
| Average equity | $14,478,600 | 4,033 |
| Average total loans | $83,166,000 | 4,238 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7441% | 1,566 |
| Cost of funding earning assets | 1.6507% | 2,100 |
| Net interest margin | 4.0934% | 2,653 |
| Noninterest income to average assets | 0.5050% | 4,139 |
| Noninterest expense to average assets | 2.4620% | 5,849 |
| Loan and lease loss provision to assets | 0.3546% | 3,778 |
| Net operating income to assets | 0.9033% | 2,594 |
| Return on assets (ROA) | 0.9033% | 2,742 |
| Pretax return on assets | 1.4173% | 1,835 |
| Return on Equity (ROE) | 7.4320% | 3,133 |
| Retained earnings to average equity (ytd only) | 4.8469% | 3,085 |
| Net charge-offs to loans | 0.5371% | 3,152 |
| Credit loss provision to net charge-offs | 93.4911% | 4,641 |
| Earnings coverage of net charge-offs (x) | 4.6715% | 2,955 |
| Efficiency ratio | 58.1500% | 6,248 |
| Assets per employee ($millions) | 5.1603% | 1,987 |
| Cash dividends to net income (ytd only)* | 34.7821% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 3,486 |
| Loan loss allowance to noncurrent loans | 58.7657% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 4.5658% | 1,484 |
| Noncurrent loans to loans | 2.7400% | 2,898 |
| Net loans and leases to total assets | 67.6499% | 3,298 |
| Net loans and leases to deposits | 85.3098% | 2,464 |
| Net loans and leases to core deposits | 94.4600% | 2,464 |
| Total domestic deposits to total assets | 79.2992% | 5,935 |
| Equity capital to assets | 12.2677% | 1,998 |
| Core capital (leverage) ratio | 12.1695% | 1,577 |
| Tier 1 risk-based capital ratio | 21.3454% | 1,308 |
| Total risk-based capital ratio | 22.5798% | 1,288 |
| Memoranda: | ||
| Average total assets | $118,814,500 | 4,563 |
| Average earning assets | $108,235,750 | 4,565 |
| Average equity | $14,441,750 | 4,102 |
| Average total loans | $83,905,750 | 4,288 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7052% | 1,741 |
| Cost of funding earning assets | 1.6962% | 2,137 |
| Net interest margin | 4.0089% | 2,969 |
| Noninterest income to average assets | 0.5014% | 4,107 |
| Noninterest expense to average assets | 2.3070% | 6,334 |
| Loan and lease loss provision to assets | 0.1228% | 5,666 |
| Net operating income to assets | 1.0904% | 1,887 |
| Return on assets (ROA) | 1.0904% | 1,956 |
| Pretax return on assets | 1.7264% | 1,010 |
| Return on Equity (ROE) | 8.9985% | 2,467 |
| Retained earnings to average equity (ytd only) | 8.9985% | 1,108 |
| Net charge-offs to loans | 0.2480% | 4,105 |
| Credit loss provision to net charge-offs | 69.5238% | 4,979 |
| Earnings coverage of net charge-offs (x) | 10.4667% | 1,884 |
| Efficiency ratio | 55.5061% | 6,700 |
| Assets per employee ($millions) | 5.0993% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 3,668 |
| Loan loss allowance to noncurrent loans | 55.5840% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 3.8795% | 1,786 |
| Noncurrent loans to loans | 2.7886% | 2,865 |
| Net loans and leases to total assets | 70.6181% | 2,766 |
| Net loans and leases to deposits | 89.7684% | 1,901 |
| Net loans and leases to core deposits | 98.9049% | 2,130 |
| Total domestic deposits to total assets | 78.6670% | 6,117 |
| Equity capital to assets | 12.5551% | 1,763 |
| Core capital (leverage) ratio | 12.2996% | 1,495 |
| Tier 1 risk-based capital ratio | 21.4205% | 1,282 |
| Total risk-based capital ratio | 22.6767% | 1,257 |
| Memoranda: | ||
| Average total assets | $118,857,330 | 4,598 |
| Average earning assets | $108,357,670 | 4,602 |
| Average equity | $14,402,330 | 4,114 |
| Average total loans | $84,672,670 | 4,303 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6704% | 1,886 |
| Cost of funding earning assets | 1.7704% | 2,010 |
| Net interest margin | 3.9000% | 3,325 |
| Noninterest income to average assets | 0.4814% | 4,193 |
| Noninterest expense to average assets | 2.2533% | 6,530 |
| Loan and lease loss provision to assets | 0.1270% | 5,306 |
| Net operating income to assets | 1.0665% | 1,946 |
| Return on assets (ROA) | 1.0665% | 2,020 |
| Pretax return on assets | 1.6582% | 1,140 |
| Return on Equity (ROE) | 8.9600% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.9600% | 1,410 |
| Net charge-offs to loans | 0.1036% | 4,382 |
| Credit loss provision to net charge-offs | 172.7273% | 2,103 |
| Earnings coverage of net charge-offs (x) | 24.2727% | 1,026 |
| Efficiency ratio | 55.7947% | 6,790 |
| Assets per employee ($millions) | 5.1813% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 3,455 |
| Loan loss allowance to noncurrent loans | 77.1689% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 3.3196% | 2,158 |
| Noncurrent loans to loans | 2.0701% | 3,695 |
| Net loans and leases to total assets | 69.8842% | 2,972 |
| Net loans and leases to deposits | 88.5506% | 2,121 |
| Net loans and leases to core deposits | 97.8878% | 2,355 |
| Total domestic deposits to total assets | 78.9200% | 6,095 |
| Equity capital to assets | 12.0869% | 1,995 |
| Core capital (leverage) ratio | 11.8179% | 1,735 |
| Tier 1 risk-based capital ratio | 20.9642% | 1,345 |
| Total risk-based capital ratio | 22.2239% | 1,318 |
| Memoranda: | ||
| Average total assets | $119,644,500 | 4,638 |
| Average earning assets | $109,128,500 | 4,628 |
| Average equity | $14,241,000 | 4,185 |
| Average total loans | $84,945,500 | 4,354 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3237% | 978 |
| Cost of funding earning assets | 2.2253% | 1,919 |
| Net interest margin | 4.0985% | 2,454 |
| Noninterest income to average assets | 0.5754% | 3,817 |
| Noninterest expense to average assets | 2.6301% | 5,673 |
| Loan and lease loss provision to assets | 0.2485% | 5,404 |
| Net operating income to assets | 0.8773% | 2,255 |
| Return on assets (ROA) | 0.8773% | 2,319 |
| Pretax return on assets | 1.3859% | 1,468 |
| Return on Equity (ROE) | 7.6266% | 2,528 |
| Retained earnings to average equity (ytd only) | 5.5967% | 1,527 |
| Net charge-offs to loans | 0.2177% | 5,261 |
| Credit loss provision to net charge-offs | 155.2083% | 2,928 |
| Earnings coverage of net charge-offs (x) | 10.2083% | 1,711 |
| Efficiency ratio | 61.6738% | 6,208 |
| Assets per employee ($millions) | 5.2226% | 1,927 |
| Cash dividends to net income (ytd only)* | 26.6160% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,406 |
| Loan loss allowance to noncurrent loans | 74.9860% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 3.5748% | 1,872 |
| Noncurrent loans to loans | 2.0913% | 3,531 |
| Net loans and leases to total assets | 69.8649% | 3,287 |
| Net loans and leases to deposits | 90.4614% | 2,146 |
| Net loans and leases to core deposits | 135.6189% | 969 |
| Total domestic deposits to total assets | 77.2317% | 6,403 |
| Equity capital to assets | 11.7200% | 2,176 |
| Core capital (leverage) ratio | 11.6587% | 1,838 |
| Tier 1 risk-based capital ratio | 20.3655% | 1,398 |
| Total risk-based capital ratio | 21.6246% | 1,359 |
| Memoranda: | ||
| Average total assets | $119,919,800 | 4,565 |
| Average earning assets | $107,942,600 | 4,630 |
| Average equity | $13,793,800 | 4,314 |
| Average total loans | $88,212,000 | 4,263 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4507% | 838 |
| Cost of funding earning assets | 2.3130% | 1,936 |
| Net interest margin | 4.1377% | 2,259 |
| Noninterest income to average assets | 0.5228% | 4,296 |
| Noninterest expense to average assets | 2.3058% | 6,686 |
| Loan and lease loss provision to assets | 0.1635% | 5,714 |
| Net operating income to assets | 1.1256% | 1,651 |
| Return on assets (ROA) | 1.1256% | 1,725 |
| Pretax return on assets | 1.7663% | 861 |
| Return on Equity (ROE) | 9.8326% | 1,983 |
| Retained earnings to average equity (ytd only) | 7.1121% | 1,460 |
| Net charge-offs to loans | 0.1784% | 4,967 |
| Credit loss provision to net charge-offs | 123.5294% | 4,082 |
| Earnings coverage of net charge-offs (x) | 14.5801% | 1,589 |
| Efficiency ratio | 54.4380% | 7,189 |
| Assets per employee ($millions) | 5.0997% | 2,024 |
| Cash dividends to net income (ytd only)* | 27.6677% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 3,660 |
| Loan loss allowance to noncurrent loans | 113.7432% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 2.9132% | 2,379 |
| Noncurrent loans to loans | 1.2808% | 4,800 |
| Net loans and leases to total assets | 72.5480% | 2,906 |
| Net loans and leases to deposits | 95.2377% | 1,679 |
| Net loans and leases to core deposits | 141.5857% | 846 |
| Total domestic deposits to total assets | 76.1757% | 6,554 |
| Equity capital to assets | 11.9701% | 2,254 |
| Core capital (leverage) ratio | 11.7512% | 1,938 |
| Tier 1 risk-based capital ratio | 20.3534% | 1,489 |
| Total risk-based capital ratio | 21.6037% | 1,441 |
| Memoranda: | ||
| Average total assets | $119,870,000 | 4,597 |
| Average earning assets | $107,562,500 | 4,664 |
| Average equity | $13,722,750 | 4,355 |
| Average total loans | $88,950,500 | 4,280 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4928% | 837 |
| Cost of funding earning assets | 2.4123% | 1,918 |
| Net interest margin | 4.0805% | 2,390 |
| Noninterest income to average assets | 0.5169% | 4,296 |
| Noninterest expense to average assets | 2.2646% | 6,869 |
| Loan and lease loss provision to assets | 0.1060% | 6,097 |
| Net operating income to assets | 1.1480% | 1,616 |
| Return on assets (ROA) | 1.1480% | 1,703 |
| Pretax return on assets | 1.7891% | 864 |
| Return on Equity (ROE) | 10.1785% | 1,960 |
| Retained earnings to average equity (ytd only) | 10.1785% | 698 |
| Net charge-offs to loans | 0.0468% | 5,825 |
| Credit loss provision to net charge-offs | 304.7619% | 1,522 |
| Earnings coverage of net charge-offs (x) | 54.4762% | 649 |
| Efficiency ratio | 54.4405% | 7,285 |
| Assets per employee ($millions) | 5.1879% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 3,528 |
| Loan loss allowance to noncurrent loans | 207.3290% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 2.0843% | 3,077 |
| Noncurrent loans to loans | 0.6940% | 5,862 |
| Net loans and leases to total assets | 73.0787% | 2,946 |
| Net loans and leases to deposits | 98.8572% | 1,413 |
| Net loans and leases to core deposits | 148.4921% | 692 |
| Total domestic deposits to total assets | 73.9235% | 6,956 |
| Equity capital to assets | 11.7036% | 2,382 |
| Core capital (leverage) ratio | 11.5318% | 2,067 |
| Tier 1 risk-based capital ratio | 19.9030% | 1,601 |
| Total risk-based capital ratio | 21.1607% | 1,559 |
| Memoranda: | ||
| Average total assets | $120,729,330 | 4,617 |
| Average earning assets | $107,781,670 | 4,682 |
| Average equity | $13,617,000 | 4,392 |
| Average total loans | $89,817,000 | 4,285 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6543% | 631 |
| Cost of funding earning assets | 2.5726% | 1,647 |
| Net interest margin | 4.0817% | 2,352 |
| Noninterest income to average assets | 0.5007% | 4,317 |
| Noninterest expense to average assets | 2.1345% | 7,044 |
| Loan and lease loss provision to assets | 0.1054% | 5,618 |
| Net operating income to assets | 1.2221% | 1,591 |
| Return on assets (ROA) | 1.2221% | 1,696 |
| Pretax return on assets | 1.8512% | 890 |
| Return on Equity (ROE) | 11.0392% | 1,953 |
| Retained earnings to average equity (ytd only) | 11.0392% | 962 |
| Net charge-offs to loans | 0.0707% | 4,484 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 37.1250% | 901 |
| Efficiency ratio | 52.1739% | 7,398 |
| Assets per employee ($millions) | 5.0438% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 3,569 |
| Loan loss allowance to noncurrent loans | 74.7451% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 2.8384% | 2,000 |
| Noncurrent loans to loans | 1.8560% | 3,479 |
| Net loans and leases to total assets | 73.1669% | 2,970 |
| Net loans and leases to deposits | 98.7171% | 1,570 |
| Net loans and leases to core deposits | 143.8759% | 938 |
| Total domestic deposits to total assets | 74.1177% | 6,866 |
| Equity capital to assets | 11.2753% | 2,746 |
| Core capital (leverage) ratio | 11.1811% | 2,357 |
| Tier 1 risk-based capital ratio | 18.9848% | 1,814 |
| Total risk-based capital ratio | 20.1949% | 1,782 |
| Memoranda: | ||
| Average total assets | $121,433,000 | 4,606 |
| Average earning assets | $106,818,500 | 4,723 |
| Average equity | $13,443,000 | 4,467 |
| Average total loans | $90,489,500 | 4,293 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4311% | 471 |
| Cost of funding earning assets | 2.9798% | 1,939 |
| Net interest margin | 4.4513% | 1,534 |
| Noninterest income to average assets | 0.5617% | 4,144 |
| Noninterest expense to average assets | 2.8083% | 4,788 |
| Loan and lease loss provision to assets | 0.1207% | 5,813 |
| Net operating income to assets | 1.0578% | 2,323 |
| Return on assets (ROA) | 1.0674% | 2,183 |
| Pretax return on assets | 1.7302% | 1,081 |
| Return on Equity (ROE) | 9.3932% | 2,476 |
| Retained earnings to average equity (ytd only) | 7.2069% | 1,085 |
| Net charge-offs to loans | 0.0581% | 5,945 |
| Credit loss provision to net charge-offs | 256.6038% | 1,809 |
| Earnings coverage of net charge-offs (x) | 39.0377% | 958 |
| Efficiency ratio | 60.4700% | 6,268 |
| Assets per employee ($millions) | 5.0756% | 1,874 |
| Cash dividends to net income (ytd only)* | 23.2751% | 4,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 3,482 |
| Loan loss allowance to noncurrent loans | 286.7133% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 1.8044% | 2,723 |
| Noncurrent loans to loans | 0.4706% | 5,934 |
| Net loans and leases to total assets | 73.8281% | 3,148 |
| Net loans and leases to deposits | 99.3373% | 1,933 |
| Net loans and leases to core deposits | 152.8121% | 754 |
| Total domestic deposits to total assets | 74.3207% | 6,597 |
| Equity capital to assets | 10.8666% | 3,149 |
| Core capital (leverage) ratio | 10.7057% | 2,817 |
| Tier 1 risk-based capital ratio | 17.7211% | 2,112 |
| Total risk-based capital ratio | 18.9572% | 2,060 |
| Memoranda: | ||
| Average total assets | $112,702,000 | 4,700 |
| Average earning assets | $103,362,800 | 4,700 |
| Average equity | $12,807,200 | 4,620 |
| Average total loans | $91,166,800 | 4,188 |