Home > Kalamazoo County State Bank > Performance and Condition Ratios
Kalamazoo County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,979 |
| Cost of funding earning assets | 0.4470% | 4,250 |
| Net interest margin | 3.5425% | 2,087 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 3.0312% | 1,083 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4695% | 3,734 |
| Return on assets (ROA) | 0.4695% | 3,735 |
| Pretax return on assets | 0.5806% | 3,672 |
| Return on Equity (ROE) | 7.2600% | 3,221 |
| Retained earnings to average equity (ytd only) | 5.2295% | 2,520 |
| Net charge-offs to loans | 0.0362% | 1,582 |
| Credit loss provision to net charge-offs | -186.3636% | 4,501 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,587 |
| Efficiency ratio | 84.1287% | 656 |
| Assets per employee ($millions) | 3.2755% | 4,334 |
| Cash dividends to net income (ytd only)* | 27.9387% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 4,071 |
| Loan loss allowance to noncurrent loans | 142.1222% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 1,927 |
| Noncurrent loans to loans | 0.5196% | 1,492 |
| Net loans and leases to total assets | 49.0200% | 3,656 |
| Net loans and leases to deposits | 54.8021% | 3,756 |
| Net loans and leases to core deposits | 56.7626% | 3,887 |
| Total domestic deposits to total assets | 89.4400% | 933 |
| Equity capital to assets | 7.5392% | 3,698 |
| Core capital (leverage) ratio | 10.9317% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0692% | 907 |
| Memoranda: | ||
| Average total assets | $125,034,200 | 3,598 |
| Average earning assets | $117,233,200 | 3,571 |
| Average equity | $8,088,800 | 3,914 |
| Average total loans | $60,745,000 | 3,698 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,930 |
| Cost of funding earning assets | 0.4358% | 4,218 |
| Net interest margin | 3.5097% | 2,190 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.9800% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4550% | 3,854 |
| Return on assets (ROA) | 0.4550% | 3,857 |
| Pretax return on assets | 0.5683% | 3,789 |
| Return on Equity (ROE) | 7.3300% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.3251% | 2,190 |
| Net charge-offs to loans | 0.0547% | 1,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 21.4800% | 1,779 |
| Efficiency ratio | 83.9845% | 619 |
| Assets per employee ($millions) | 3.5268% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 3,997 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.6900% | 3,701 |
| Net loans and leases to deposits | 54.0722% | 3,784 |
| Net loans and leases to core deposits | 55.9503% | 3,858 |
| Total domestic deposits to total assets | 90.0500% | 925 |
| Equity capital to assets | 6.3384% | 3,881 |
| Core capital (leverage) ratio | 10.6936% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9466% | 954 |
| Memoranda: | ||
| Average total assets | $125,994,250 | 3,607 |
| Average earning assets | $118,106,500 | 3,580 |
| Average equity | $7,826,750 | 3,948 |
| Average total loans | $60,969,250 | 3,704 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 3,874 |
| Cost of funding earning assets | 0.3916% | 4,180 |
| Net interest margin | 3.5058% | 2,251 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.9027% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4872% | 3,834 |
| Return on assets (ROA) | 0.4872% | 3,842 |
| Pretax return on assets | 0.6196% | 3,760 |
| Return on Equity (ROE) | 7.9000% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.8951% | 1,995 |
| Net charge-offs to loans | 0.0065% | 1,998 |
| Credit loss provision to net charge-offs | 150.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 615 |
| Efficiency ratio | 82.2977% | 690 |
| Assets per employee ($millions) | 3.5640% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 3,937 |
| Loan loss allowance to noncurrent loans | 857.6271% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,305 |
| Noncurrent loans to loans | 0.0974% | 3,006 |
| Net loans and leases to total assets | 48.1400% | 3,676 |
| Net loans and leases to deposits | 54.4871% | 3,722 |
| Net loans and leases to core deposits | 56.3869% | 3,798 |
| Total domestic deposits to total assets | 88.3500% | 1,475 |
| Equity capital to assets | 6.4358% | 4,020 |
| Core capital (leverage) ratio | 10.3804% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8562% | 979 |
| Memoranda: | ||
| Average total assets | $126,846,000 | 3,604 |
| Average earning assets | $119,003,667 | 3,582 |
| Average equity | $7,827,667 | 3,968 |
| Average total loans | $61,097,667 | 3,708 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 3,844 |
| Cost of funding earning assets | 0.3132% | 4,158 |
| Net interest margin | 3.4950% | 2,379 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.8616% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5004% | 3,898 |
| Return on assets (ROA) | 0.5004% | 3,862 |
| Pretax return on assets | 0.6411% | 3,776 |
| Return on Equity (ROE) | 8.2800% | 3,225 |
| Retained earnings to average equity (ytd only) | 8.2821% | 2,145 |
| Net charge-offs to loans | 0.0196% | 1,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 68.3333% | 957 |
| Efficiency ratio | 81.6964% | 723 |
| Assets per employee ($millions) | 3.6617% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 4,067 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.9700% | 3,632 |
| Net loans and leases to deposits | 53.9503% | 3,686 |
| Net loans and leases to core deposits | 55.4570% | 3,770 |
| Total domestic deposits to total assets | 88.9200% | 1,573 |
| Equity capital to assets | 6.5114% | 4,024 |
| Core capital (leverage) ratio | 10.1888% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2413% | 1,123 |
| Memoranda: | ||
| Average total assets | $127,899,000 | 3,637 |
| Average earning assets | $120,057,000 | 3,608 |
| Average equity | $7,727,500 | 4,030 |
| Average total loans | $61,370,000 | 3,742 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 3,409 |
| Cost of funding earning assets | 0.1124% | 4,326 |
| Net interest margin | 3.2648% | 2,662 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.8459% | 1,232 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.3883% | 4,254 |
| Return on assets (ROA) | 0.3883% | 4,219 |
| Pretax return on assets | 0.4978% | 4,174 |
| Return on Equity (ROE) | 5.3900% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.5972% | 3,540 |
| Net charge-offs to loans | 0.0360% | 1,367 |
| Credit loss provision to net charge-offs | 110.0000% | 1,507 |
| Earnings coverage of net charge-offs (x) | 32.7000% | 1,642 |
| Efficiency ratio | 84.6731% | 460 |
| Assets per employee ($millions) | 3.6468% | 4,406 |
| Cash dividends to net income (ytd only)* | 33.2657% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 4,021 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 47.2200% | 3,726 |
| Net loans and leases to deposits | 53.3385% | 3,717 |
| Net loans and leases to core deposits | 54.5048% | 3,787 |
| Total domestic deposits to total assets | 88.5300% | 1,870 |
| Equity capital to assets | 5.5704% | 4,223 |
| Core capital (leverage) ratio | 10.3775% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9188% | 1,136 |
| Memoranda: | ||
| Average total assets | $126,953,800 | 3,662 |
| Average earning assets | $119,211,400 | 3,635 |
| Average equity | $9,146,000 | 3,976 |
| Average total loans | $55,555,800 | 3,816 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 3,182 |
| Cost of funding earning assets | 0.0896% | 4,349 |
| Net interest margin | 3.2073% | 2,602 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.7574% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4354% | 4,187 |
| Return on assets (ROA) | 0.4354% | 4,134 |
| Pretax return on assets | 0.5584% | 4,055 |
| Return on Equity (ROE) | 5.7200% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.7171% | 2,849 |
| Net charge-offs to loans | 0.0246% | 1,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 53.1000% | 1,251 |
| Efficiency ratio | 83.1589% | 599 |
| Assets per employee ($millions) | 3.9256% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 4,020 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 45.2500% | 3,807 |
| Net loans and leases to deposits | 49.5891% | 3,883 |
| Net loans and leases to core deposits | 50.6361% | 3,918 |
| Total domestic deposits to total assets | 91.2400% | 1,141 |
| Equity capital to assets | 6.6598% | 3,673 |
| Core capital (leverage) ratio | 10.2785% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0995% | 973 |
| Memoranda: | ||
| Average total assets | $126,782,500 | 3,693 |
| Average earning assets | $119,101,250 | 3,659 |
| Average equity | $9,655,000 | 3,954 |
| Average total loans | $54,254,750 | 3,853 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 2,999 |
| Cost of funding earning assets | 0.0904% | 4,287 |
| Net interest margin | 3.1237% | 2,462 |
| Noninterest income to average assets | 0.2988% | 3,373 |
| Noninterest expense to average assets | 2.7349% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3885% | 4,128 |
| Return on assets (ROA) | 0.3885% | 4,078 |
| Pretax return on assets | 0.4985% | 4,003 |
| Return on Equity (ROE) | 4.8985% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.8985% | 2,741 |
| Net charge-offs to loans | 0.0038% | 1,898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 317.0000% | 384 |
| Efficiency ratio | 84.5817% | 646 |
| Assets per employee ($millions) | 3.6459% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 3,990 |
| Loan loss allowance to noncurrent loans | 769.8413% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,499 |
| Noncurrent loans to loans | 0.1152% | 3,163 |
| Net loans and leases to total assets | 42.4620% | 3,941 |
| Net loans and leases to deposits | 45.5156% | 4,047 |
| Net loans and leases to core deposits | 46.4349% | 4,106 |
| Total domestic deposits to total assets | 93.2911% | 441 |
| Equity capital to assets | 6.5953% | 3,976 |
| Core capital (leverage) ratio | 10.0403% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7143% | 891 |
| Memoranda: | ||
| Average total assets | $127,170,000 | 3,723 |
| Average earning assets | $119,473,333 | 3,704 |
| Average equity | $10,084,667 | 3,975 |
| Average total loans | $53,235,000 | 3,909 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1907% | 2,716 |
| Cost of funding earning assets | 0.0941% | 4,210 |
| Net interest margin | 3.0966% | 2,187 |
| Noninterest income to average assets | 0.3025% | 3,301 |
| Noninterest expense to average assets | 2.8137% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3056% | 4,131 |
| Return on assets (ROA) | 0.3056% | 4,102 |
| Pretax return on assets | 0.3907% | 4,046 |
| Return on Equity (ROE) | 3.5534% | 3,984 |
| Retained earnings to average equity (ytd only) | 3.5534% | 3,098 |
| Net charge-offs to loans | 0.0228% | 1,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 41.3333% | 998 |
| Efficiency ratio | 87.8073% | 647 |
| Assets per employee ($millions) | 3.6334% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 4,056 |
| Loan loss allowance to noncurrent loans | 766.6667% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,547 |
| Noncurrent loans to loans | 0.1167% | 3,246 |
| Net loans and leases to total assets | 42.0598% | 3,874 |
| Net loans and leases to deposits | 45.6916% | 3,996 |
| Net loans and leases to core deposits | 46.7123% | 4,040 |
| Total domestic deposits to total assets | 92.0515% | 557 |
| Equity capital to assets | 7.7291% | 3,783 |
| Core capital (leverage) ratio | 9.9186% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6642% | 943 |
| Memoranda: | ||
| Average total assets | $126,952,000 | 3,742 |
| Average earning assets | $118,969,000 | 3,729 |
| Average equity | $10,919,000 | 3,961 |
| Average total loans | $52,518,000 | 3,934 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2739% | 3,287 |
| Cost of funding earning assets | 0.0926% | 4,440 |
| Net interest margin | 3.1814% | 2,651 |
| Noninterest income to average assets | 0.3027% | 3,596 |
| Noninterest expense to average assets | 2.8424% | 1,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4063% | 4,266 |
| Return on assets (ROA) | 0.4669% | 4,197 |
| Pretax return on assets | 0.5988% | 4,111 |
| Return on Equity (ROE) | 4.5326% | 4,099 |
| Retained earnings to average equity (ytd only) | 3.1392% | 3,573 |
| Net charge-offs to loans | -0.0517% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4815% | 549 |
| Assets per employee ($millions) | 4.3702% | 4,217 |
| Cash dividends to net income (ytd only)* | 30.7420% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 3,929 |
| Loan loss allowance to noncurrent loans | 714.7059% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,610 |
| Noncurrent loans to loans | 0.1332% | 3,269 |
| Net loans and leases to total assets | 39.9100% | 4,096 |
| Net loans and leases to deposits | 44.2454% | 4,165 |
| Net loans and leases to core deposits | 45.2399% | 4,220 |
| Total domestic deposits to total assets | 90.2016% | 867 |
| Equity capital to assets | 9.4757% | 3,167 |
| Core capital (leverage) ratio | 9.9948% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5404% | 817 |
| Memoranda: | ||
| Average total assets | $121,235,000 | 3,788 |
| Average earning assets | $116,679,200 | 3,727 |
| Average equity | $12,487,200 | 3,884 |
| Average total loans | $50,286,600 | 3,989 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3467% | 3,259 |
| Cost of funding earning assets | 0.0940% | 4,546 |
| Net interest margin | 3.2527% | 2,577 |
| Noninterest income to average assets | 0.3104% | 3,571 |
| Noninterest expense to average assets | 2.8332% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4930% | 4,222 |
| Return on assets (ROA) | 0.5606% | 4,121 |
| Pretax return on assets | 0.7186% | 4,038 |
| Return on Equity (ROE) | 5.3303% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.3303% | 3,092 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7394% | 649 |
| Assets per employee ($millions) | 3.8783% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 4,078 |
| Loan loss allowance to noncurrent loans | 46,000.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,293 |
| Noncurrent loans to loans | 0.0020% | 4,211 |
| Net loans and leases to total assets | 39.5989% | 4,228 |
| Net loans and leases to deposits | 44.2182% | 4,300 |
| Net loans and leases to core deposits | 45.2382% | 4,346 |
| Total domestic deposits to total assets | 89.5534% | 981 |
| Equity capital to assets | 10.2420% | 2,664 |
| Core capital (leverage) ratio | 10.1114% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9849% | 694 |
| Memoranda: | ||
| Average total assets | $119,860,000 | 3,843 |
| Average earning assets | $116,290,500 | 3,773 |
| Average equity | $12,606,750 | 3,923 |
| Average total loans | $50,091,750 | 4,053 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3714% | 3,259 |
| Cost of funding earning assets | 0.0923% | 4,622 |
| Net interest margin | 3.2790% | 2,517 |
| Noninterest income to average assets | 0.3242% | 3,485 |
| Noninterest expense to average assets | 2.8705% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4917% | 4,238 |
| Return on assets (ROA) | 0.5944% | 4,049 |
| Pretax return on assets | 0.7615% | 3,944 |
| Return on Equity (ROE) | 5.5997% | 4,003 |
| Retained earnings to average equity (ytd only) | 5.5997% | 2,959 |
| Net charge-offs to loans | 0.0080% | 1,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 515 |
| Efficiency ratio | 81.9672% | 671 |
| Assets per employee ($millions) | 3.8283% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 4,030 |
| Loan loss allowance to noncurrent loans | 286.2500% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 3,373 |
| Noncurrent loans to loans | 0.3281% | 2,739 |
| Net loans and leases to total assets | 39.4291% | 4,311 |
| Net loans and leases to deposits | 44.0323% | 4,379 |
| Net loans and leases to core deposits | 45.0575% | 4,427 |
| Total domestic deposits to total assets | 89.5458% | 1,006 |
| Equity capital to assets | 10.2926% | 2,585 |
| Core capital (leverage) ratio | 10.1632% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0504% | 610 |
| Memoranda: | ||
| Average total assets | $118,444,333 | 3,870 |
| Average earning assets | $114,790,333 | 3,801 |
| Average equity | $12,572,000 | 3,936 |
| Average total loans | $50,254,000 | 4,080 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2871% | 3,480 |
| Cost of funding earning assets | 0.0959% | 4,677 |
| Net interest margin | 3.1911% | 2,731 |
| Noninterest income to average assets | 0.3127% | 3,535 |
| Noninterest expense to average assets | 2.9997% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3089% | 4,504 |
| Return on assets (ROA) | 0.5017% | 4,214 |
| Pretax return on assets | 0.6425% | 4,123 |
| Return on Equity (ROE) | 4.6521% | 4,160 |
| Retained earnings to average equity (ytd only) | 4.6521% | 3,327 |
| Net charge-offs to loans | -0.0235% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2710% | 432 |
| Assets per employee ($millions) | 3.2798% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 4,165 |
| Loan loss allowance to noncurrent loans | 890.3846% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,072 |
| Noncurrent loans to loans | 0.1006% | 3,802 |
| Net loans and leases to total assets | 42.2147% | 4,218 |
| Net loans and leases to deposits | 47.0461% | 4,304 |
| Net loans and leases to core deposits | 48.1638% | 4,367 |
| Total domestic deposits to total assets | 89.7306% | 940 |
| Equity capital to assets | 10.1194% | 2,591 |
| Core capital (leverage) ratio | 10.5186% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0019% | 680 |
| Memoranda: | ||
| Average total assets | $116,413,500 | 3,898 |
| Average earning assets | $112,562,500 | 3,831 |
| Average equity | $12,553,500 | 3,947 |
| Average total loans | $51,000,500 | 4,070 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5109% | 4,008 |
| Cost of funding earning assets | 0.1032% | 4,857 |
| Net interest margin | 3.4077% | 2,754 |
| Noninterest income to average assets | 0.4094% | 3,049 |
| Noninterest expense to average assets | 3.1904% | 1,074 |
| Loan and lease loss provision to assets | 0.0472% | 3,808 |
| Net operating income to assets | 0.3674% | 4,312 |
| Return on assets (ROA) | 0.3688% | 4,386 |
| Pretax return on assets | 0.4754% | 4,312 |
| Return on Equity (ROE) | 3.1240% | 4,346 |
| Retained earnings to average equity (ytd only) | 2.3010% | 3,704 |
| Net charge-offs to loans | 0.0514% | 2,055 |
| Credit loss provision to net charge-offs | 200.0000% | 2,161 |
| Earnings coverage of net charge-offs (x) | 22.0800% | 1,870 |
| Efficiency ratio | 85.9685% | 532 |
| Assets per employee ($millions) | 3.1850% | 4,762 |
| Cash dividends to net income (ytd only)* | 26.3427% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,148 |
| Loan loss allowance to noncurrent loans | 901.9608% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,116 |
| Noncurrent loans to loans | 0.1014% | 3,886 |
| Net loans and leases to total assets | 44.7181% | 4,210 |
| Net loans and leases to deposits | 50.6369% | 4,284 |
| Net loans and leases to core deposits | 51.9525% | 4,342 |
| Total domestic deposits to total assets | 88.3114% | 1,324 |
| Equity capital to assets | 11.5065% | 1,878 |
| Core capital (leverage) ratio | 10.7990% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6969% | 610 |
| Memoranda: | ||
| Average total assets | $106,005,600 | 3,917 |
| Average earning assets | $102,707,400 | 3,863 |
| Average equity | $12,516,200 | 3,916 |
| Average total loans | $48,592,200 | 4,135 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 4,187 |
| Cost of funding earning assets | 0.1064% | 4,912 |
| Net interest margin | 3.4061% | 2,900 |
| Noninterest income to average assets | 0.4090% | 3,034 |
| Noninterest expense to average assets | 3.1804% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4116% | 4,239 |
| Return on assets (ROA) | 0.4116% | 4,303 |
| Pretax return on assets | 0.5313% | 4,224 |
| Return on Equity (ROE) | 3.4623% | 4,302 |
| Retained earnings to average equity (ytd only) | 3.4623% | 3,328 |
| Net charge-offs to loans | 0.1052% | 1,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 10.9737% | 2,325 |
| Efficiency ratio | 85.6849% | 519 |
| Assets per employee ($millions) | 3.3901% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7807% | 4,409 |
| Loan loss allowance to noncurrent loans | 763.4615% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 4,207 |
| Noncurrent loans to loans | 0.1023% | 3,961 |
| Net loans and leases to total assets | 45.0985% | 4,364 |
| Net loans and leases to deposits | 51.0596% | 4,451 |
| Net loans and leases to core deposits | 52.3757% | 4,511 |
| Total domestic deposits to total assets | 88.3252% | 1,048 |
| Equity capital to assets | 11.5399% | 1,976 |
| Core capital (leverage) ratio | 10.8163% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1876% | 569 |
| Memoranda: | ||
| Average total assets | $104,638,000 | 3,932 |
| Average earning assets | $101,462,500 | 3,871 |
| Average equity | $12,438,500 | 3,929 |
| Average total loans | $48,162,750 | 4,164 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 4,275 |
| Cost of funding earning assets | 0.1070% | 4,961 |
| Net interest margin | 3.4832% | 2,846 |
| Noninterest income to average assets | 0.4011% | 3,069 |
| Noninterest expense to average assets | 3.2066% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4402% | 4,145 |
| Return on assets (ROA) | 0.4402% | 4,209 |
| Pretax return on assets | 0.5693% | 4,122 |
| Return on Equity (ROE) | 3.6641% | 4,202 |
| Retained earnings to average equity (ytd only) | 3.6641% | 3,087 |
| Net charge-offs to loans | 0.1016% | 1,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 2,071 |
| Efficiency ratio | 84.9223% | 586 |
| Assets per employee ($millions) | 3.1979% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 4,302 |
| Loan loss allowance to noncurrent loans | 632.3077% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,241 |
| Noncurrent loans to loans | 0.1293% | 3,940 |
| Net loans and leases to total assets | 44.5607% | 4,427 |
| Net loans and leases to deposits | 50.3625% | 4,514 |
| Net loans and leases to core deposits | 51.6550% | 4,579 |
| Total domestic deposits to total assets | 88.4799% | 954 |
| Equity capital to assets | 11.4102% | 2,031 |
| Core capital (leverage) ratio | 11.4368% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6578% | 530 |
| Memoranda: | ||
| Average total assets | $102,226,333 | 3,963 |
| Average earning assets | $99,046,333 | 3,893 |
| Average equity | $12,281,333 | 3,950 |
| Average total loans | $47,267,000 | 4,189 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 4,258 |
| Cost of funding earning assets | 0.1146% | 5,025 |
| Net interest margin | 3.6685% | 2,437 |
| Noninterest income to average assets | 0.3368% | 3,504 |
| Noninterest expense to average assets | 3.3889% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3779% | 4,180 |
| Return on assets (ROA) | 0.3779% | 4,216 |
| Pretax return on assets | 0.4970% | 4,128 |
| Return on Equity (ROE) | 3.0574% | 4,202 |
| Retained earnings to average equity (ytd only) | 3.0574% | 3,057 |
| Net charge-offs to loans | 0.0525% | 1,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,422 |
| Efficiency ratio | 87.2093% | 621 |
| Assets per employee ($millions) | 2.9036% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 4,023 |
| Loan loss allowance to noncurrent loans | 680.9524% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 4,284 |
| Noncurrent loans to loans | 0.1357% | 3,978 |
| Net loans and leases to total assets | 46.5752% | 4,398 |
| Net loans and leases to deposits | 53.2811% | 4,475 |
| Net loans and leases to core deposits | 54.8471% | 4,538 |
| Total domestic deposits to total assets | 87.4142% | 1,373 |
| Equity capital to assets | 12.4967% | 1,731 |
| Core capital (leverage) ratio | 12.1118% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4095% | 607 |
| Memoranda: | ||
| Average total assets | $97,376,500 | 4,026 |
| Average earning assets | $94,207,000 | 3,959 |
| Average equity | $12,036,500 | 3,995 |
| Average total loans | $45,757,500 | 4,233 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 4,397 |
| Cost of funding earning assets | 0.1053% | 5,098 |
| Net interest margin | 3.8135% | 2,459 |
| Noninterest income to average assets | 0.1173% | 4,871 |
| Noninterest expense to average assets | 3.3585% | 1,185 |
| Loan and lease loss provision to assets | 0.0771% | 2,447 |
| Net operating income to assets | 0.2666% | 4,783 |
| Return on assets (ROA) | 0.2633% | 4,810 |
| Pretax return on assets | 0.3292% | 4,793 |
| Return on Equity (ROE) | 2.2414% | 4,773 |
| Retained earnings to average equity (ytd only) | 1.4359% | 4,228 |
| Net charge-offs to loans | -0.0092% | 4,450 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1103% | 386 |
| Assets per employee ($millions) | 2.7437% | 4,930 |
| Cash dividends to net income (ytd only)* | 35.9375% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,676 |
| Loan loss allowance to noncurrent loans | 572.3684% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 4,241 |
| Noncurrent loans to loans | 0.1685% | 3,858 |
| Net loans and leases to total assets | 46.5173% | 4,501 |
| Net loans and leases to deposits | 53.0995% | 4,566 |
| Net loans and leases to core deposits | 54.7184% | 4,628 |
| Total domestic deposits to total assets | 87.6040% | 1,314 |
| Equity capital to assets | 12.2211% | 1,998 |
| Core capital (leverage) ratio | 12.2919% | 1,599 |
| Tier 1 risk-based capital ratio | 22.5117% | 964 |
| Total risk-based capital ratio | 23.3396% | 992 |
| Memoranda: | ||
| Average total assets | $97,214,800 | 4,046 |
| Average earning assets | $93,090,400 | 3,995 |
| Average equity | $11,421,600 | 4,065 |
| Average total loans | $43,703,600 | 4,314 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 4,497 |
| Cost of funding earning assets | 0.1045% | 5,176 |
| Net interest margin | 3.8225% | 2,522 |
| Noninterest income to average assets | 0.3596% | 3,575 |
| Noninterest expense to average assets | 3.4142% | 1,061 |
| Loan and lease loss provision to assets | 0.0820% | 2,266 |
| Net operating income to assets | 0.3998% | 4,727 |
| Return on assets (ROA) | 0.4020% | 4,746 |
| Pretax return on assets | 0.5155% | 4,682 |
| Return on Equity (ROE) | 3.4558% | 4,689 |
| Retained earnings to average equity (ytd only) | 3.4558% | 3,684 |
| Net charge-offs to loans | -0.0031% | 4,107 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1637% | 542 |
| Assets per employee ($millions) | 2.7221% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 3,850 |
| Loan loss allowance to noncurrent loans | 868.7500% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 3,346 |
| Noncurrent loans to loans | 0.1086% | 4,159 |
| Net loans and leases to total assets | 45.9506% | 4,598 |
| Net loans and leases to deposits | 52.5899% | 4,684 |
| Net loans and leases to core deposits | 54.2041% | 4,737 |
| Total domestic deposits to total assets | 87.3754% | 1,326 |
| Equity capital to assets | 12.4850% | 1,920 |
| Core capital (leverage) ratio | 12.2409% | 1,710 |
| Tier 1 risk-based capital ratio | 22.6975% | 985 |
| Total risk-based capital ratio | 23.4910% | 1,009 |
| Memoranda: | ||
| Average total assets | $97,510,750 | 4,079 |
| Average earning assets | $93,094,750 | 4,035 |
| Average equity | $11,343,000 | 4,118 |
| Average total loans | $43,353,000 | 4,380 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 4,622 |
| Cost of funding earning assets | 0.1065% | 5,219 |
| Net interest margin | 3.7546% | 2,737 |
| Noninterest income to average assets | 0.3521% | 3,583 |
| Noninterest expense to average assets | 3.4318% | 1,051 |
| Loan and lease loss provision to assets | 0.0916% | 2,020 |
| Net operating income to assets | 0.3359% | 4,824 |
| Return on assets (ROA) | 0.3359% | 4,837 |
| Pretax return on assets | 0.4173% | 4,809 |
| Return on Equity (ROE) | 2.9573% | 4,798 |
| Retained earnings to average equity (ytd only) | 2.9573% | 3,735 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0868% | 491 |
| Assets per employee ($millions) | 2.9763% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,001 |
| Loan loss allowance to noncurrent loans | 679.6610% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 3,338 |
| Noncurrent loans to loans | 0.1355% | 4,071 |
| Net loans and leases to total assets | 43.9400% | 4,733 |
| Net loans and leases to deposits | 49.9456% | 4,807 |
| Net loans and leases to core deposits | 51.4190% | 4,833 |
| Total domestic deposits to total assets | 87.9757% | 1,112 |
| Equity capital to assets | 11.9265% | 2,249 |
| Core capital (leverage) ratio | 11.9895% | 1,837 |
| Tier 1 risk-based capital ratio | 23.1876% | 930 |
| Total risk-based capital ratio | 23.9761% | 952 |
| Memoranda: | ||
| Average total assets | $98,256,330 | 4,094 |
| Average earning assets | $93,910,330 | 4,038 |
| Average equity | $11,159,000 | 4,148 |
| Average total loans | $43,072,000 | 4,417 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 4,581 |
| Cost of funding earning assets | 0.1110% | 5,264 |
| Net interest margin | 3.7711% | 2,628 |
| Noninterest income to average assets | 0.3338% | 3,632 |
| Noninterest expense to average assets | 3.4027% | 1,104 |
| Loan and lease loss provision to assets | 0.0895% | 1,918 |
| Net operating income to assets | 0.3500% | 4,833 |
| Return on assets (ROA) | 0.3500% | 4,838 |
| Pretax return on assets | 0.4355% | 4,794 |
| Return on Equity (ROE) | 3.1613% | 4,755 |
| Retained earnings to average equity (ytd only) | 3.1613% | 3,673 |
| Net charge-offs to loans | 0.2428% | 598 |
| Credit loss provision to net charge-offs | 84.6154% | 1,753 |
| Earnings coverage of net charge-offs (x) | 4.9615% | 2,293 |
| Efficiency ratio | 86.6321% | 540 |
| Assets per employee ($millions) | 3.3058% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 4,428 |
| Loan loss allowance to noncurrent loans | 858.5366% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 3,100 |
| Noncurrent loans to loans | 0.0964% | 4,315 |
| Net loans and leases to total assets | 42.5379% | 4,811 |
| Net loans and leases to deposits | 47.9251% | 4,879 |
| Net loans and leases to core deposits | 49.3104% | 4,912 |
| Total domestic deposits to total assets | 88.7593% | 974 |
| Equity capital to assets | 11.1601% | 2,697 |
| Core capital (leverage) ratio | 11.9972% | 1,773 |
| Tier 1 risk-based capital ratio | 21.9494% | 1,055 |
| Total risk-based capital ratio | 22.6107% | 1,104 |
| Memoranda: | ||
| Average total assets | $98,275,500 | 4,132 |
| Average earning assets | $93,660,000 | 4,082 |
| Average equity | $10,881,500 | 4,211 |
| Average total loans | $42,829,000 | 4,470 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,688 |
| Cost of funding earning assets | 0.1078% | 5,270 |
| Net interest margin | 3.5781% | 3,459 |
| Noninterest income to average assets | 0.1866% | 4,794 |
| Noninterest expense to average assets | 3.2188% | 1,505 |
| Loan and lease loss provision to assets | 0.0829% | 2,472 |
| Net operating income to assets | 0.2291% | 5,080 |
| Return on assets (ROA) | 0.2291% | 5,078 |
| Pretax return on assets | 0.2903% | 5,055 |
| Return on Equity (ROE) | 2.1116% | 5,033 |
| Retained earnings to average equity (ytd only) | 1.3759% | 4,580 |
| Net charge-offs to loans | 0.0782% | 2,011 |
| Credit loss provision to net charge-offs | 250.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 2,641 |
| Efficiency ratio | 89.6104% | 364 |
| Assets per employee ($millions) | 2.9508% | 5,023 |
| Cash dividends to net income (ytd only)* | 34.8416% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 4,448 |
| Loan loss allowance to noncurrent loans | 613.7931% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 2,871 |
| Noncurrent loans to loans | 0.1345% | 4,137 |
| Net loans and leases to total assets | 43.9153% | 4,820 |
| Net loans and leases to deposits | 49.4279% | 4,904 |
| Net loans and leases to core deposits | 50.8793% | 4,919 |
| Total domestic deposits to total assets | 88.8474% | 923 |
| Equity capital to assets | 10.9832% | 2,705 |
| Core capital (leverage) ratio | 11.9882% | 1,739 |
| Tier 1 risk-based capital ratio | 21.9134% | 1,042 |
| Total risk-based capital ratio | 22.5874% | 1,100 |
| Memoranda: | ||
| Average total assets | $96,465,800 | 4,161 |
| Average earning assets | $91,809,600 | 4,112 |
| Average equity | $10,465,800 | 4,238 |
| Average total loans | $40,946,000 | 4,525 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6361% | 4,743 |
| Cost of funding earning assets | 0.1120% | 5,322 |
| Net interest margin | 3.5241% | 3,620 |
| Noninterest income to average assets | 0.1164% | 5,149 |
| Noninterest expense to average assets | 3.2751% | 1,360 |
| Loan and lease loss provision to assets | 0.0804% | 2,349 |
| Net operating income to assets | 0.0928% | 5,260 |
| Return on assets (ROA) | 0.0928% | 5,253 |
| Pretax return on assets | 0.1164% | 5,245 |
| Return on Equity (ROE) | 0.8582% | 5,247 |
| Retained earnings to average equity (ytd only) | 0.8582% | 4,888 |
| Net charge-offs to loans | 0.0528% | 2,069 |
| Credit loss provision to net charge-offs | 362.5000% | 873 |
| Earnings coverage of net charge-offs (x) | 8.8762% | 2,676 |
| Efficiency ratio | 94.3336% | 237 |
| Assets per employee ($millions) | 2.9952% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 4,508 |
| Loan loss allowance to noncurrent loans | 460.5263% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 2,906 |
| Noncurrent loans to loans | 0.1813% | 4,079 |
| Net loans and leases to total assets | 42.0473% | 4,959 |
| Net loans and leases to deposits | 46.9509% | 5,036 |
| Net loans and leases to core deposits | 48.2829% | 5,061 |
| Total domestic deposits to total assets | 89.5560% | 655 |
| Equity capital to assets | 10.2700% | 3,374 |
| Core capital (leverage) ratio | 11.8992% | 1,841 |
| Tier 1 risk-based capital ratio | 22.2998% | 1,009 |
| Total risk-based capital ratio | 22.9803% | 1,067 |
| Memoranda: | ||
| Average total assets | $96,238,250 | 4,206 |
| Average earning assets | $91,633,750 | 4,150 |
| Average equity | $10,408,500 | 4,286 |
| Average total loans | $40,402,750 | 4,583 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,742 |
| Cost of funding earning assets | 0.1103% | 5,377 |
| Net interest margin | 3.5051% | 3,610 |
| Noninterest income to average assets | -0.0566% | 5,514 |
| Noninterest expense to average assets | 3.2819% | 1,367 |
| Loan and lease loss provision to assets | 0.0734% | 2,416 |
| Net operating income to assets | -0.0650% | 5,368 |
| Return on assets (ROA) | -0.0650% | 5,362 |
| Pretax return on assets | -0.0797% | 5,366 |
| Return on Equity (ROE) | -0.5908% | 5,365 |
| Retained earnings to average equity (ytd only) | -0.5908% | 5,041 |
| Net charge-offs to loans | 0.0551% | 1,817 |
| Credit loss provision to net charge-offs | 318.1818% | 966 |
| Earnings coverage of net charge-offs (x) | -0.2727% | 3,147 |
| Efficiency ratio | 100.1921% | 170 |
| Assets per employee ($millions) | 2.7194% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,607 |
| Loan loss allowance to noncurrent loans | 63.3588% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9708% | 1,556 |
| Noncurrent loans to loans | 1.3090% | 1,304 |
| Net loans and leases to total assets | 41.7088% | 4,997 |
| Net loans and leases to deposits | 46.7883% | 5,068 |
| Net loans and leases to core deposits | 48.1737% | 5,087 |
| Total domestic deposits to total assets | 89.1436% | 874 |
| Equity capital to assets | 10.7124% | 2,916 |
| Core capital (leverage) ratio | 11.9449% | 1,752 |
| Tier 1 risk-based capital ratio | 21.9120% | 1,044 |
| Total risk-based capital ratio | 22.5535% | 1,106 |
| Memoranda: | ||
| Average total assets | $95,370,670 | 4,257 |
| Average earning assets | $90,668,000 | 4,214 |
| Average equity | $10,494,330 | 4,309 |
| Average total loans | $39,900,330 | 4,643 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 4,693 |
| Cost of funding earning assets | 0.1192% | 5,393 |
| Net interest margin | 3.4864% | 3,581 |
| Noninterest income to average assets | 0.4777% | 2,958 |
| Noninterest expense to average assets | 3.2221% | 1,526 |
| Loan and lease loss provision to assets | 0.0628% | 2,517 |
| Net operating income to assets | 0.3855% | 4,953 |
| Return on assets (ROA) | 0.3855% | 4,961 |
| Pretax return on assets | 0.5028% | 4,863 |
| Return on Equity (ROE) | 3.4575% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.4575% | 3,818 |
| Net charge-offs to loans | 0.2209% | 680 |
| Credit loss provision to net charge-offs | 68.1818% | 1,842 |
| Earnings coverage of net charge-offs (x) | 6.1364% | 2,178 |
| Efficiency ratio | 85.0664% | 708 |
| Assets per employee ($millions) | 2.8905% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 4,938 |
| Loan loss allowance to noncurrent loans | 59.7222% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.2287% | 1,229 |
| Noncurrent loans to loans | 1.2412% | 1,468 |
| Net loans and leases to total assets | 42.2540% | 4,969 |
| Net loans and leases to deposits | 47.4846% | 5,056 |
| Net loans and leases to core deposits | 48.8841% | 5,073 |
| Total domestic deposits to total assets | 88.9846% | 1,098 |
| Equity capital to assets | 10.9063% | 2,675 |
| Core capital (leverage) ratio | 11.9327% | 1,694 |
| Tier 1 risk-based capital ratio | 22.6004% | 981 |
| Total risk-based capital ratio | 23.1950% | 1,035 |
| Memoranda: | ||
| Average total assets | $95,466,500 | 4,296 |
| Average earning assets | $90,638,000 | 4,256 |
| Average equity | $10,643,500 | 4,326 |
| Average total loans | $39,835,500 | 4,694 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4278% | 4,905 |
| Cost of funding earning assets | 0.1113% | 5,451 |
| Net interest margin | 3.3166% | 4,106 |
| Noninterest income to average assets | 0.3238% | 4,151 |
| Noninterest expense to average assets | 3.1220% | 1,793 |
| Loan and lease loss provision to assets | 0.0617% | 2,996 |
| Net operating income to assets | -0.1461% | 5,435 |
| Return on assets (ROA) | -0.1408% | 5,433 |
| Pretax return on assets | 0.2734% | 5,240 |
| Return on Equity (ROE) | -1.2269% | 5,436 |
| Retained earnings to average equity (ytd only) | -2.1404% | 5,292 |
| Net charge-offs to loans | 0.1092% | 1,976 |
| Credit loss provision to net charge-offs | 139.5349% | 1,897 |
| Earnings coverage of net charge-offs (x) | 7.3953% | 3,050 |
| Efficiency ratio | 90.5216% | 407 |
| Assets per employee ($millions) | 2.8954% | 5,262 |
| Cash dividends to net income (ytd only)* | -74.4526% | 5,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 4,862 |
| Loan loss allowance to noncurrent loans | 716.2791% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 2,108 |
| Noncurrent loans to loans | 0.1101% | 4,495 |
| Net loans and leases to total assets | 40.5639% | 5,112 |
| Net loans and leases to deposits | 45.8935% | 5,196 |
| Net loans and leases to core deposits | 47.2405% | 5,215 |
| Total domestic deposits to total assets | 88.3870% | 1,307 |
| Equity capital to assets | 11.3911% | 2,293 |
| Core capital (leverage) ratio | 11.7430% | 1,768 |
| Tier 1 risk-based capital ratio | 22.8440% | 926 |
| Total risk-based capital ratio | 23.4715% | 964 |
| Memoranda: | ||
| Average total assets | $97,277,800 | 4,282 |
| Average earning assets | $91,661,400 | 4,254 |
| Average equity | $11,166,000 | 4,273 |
| Average total loans | $39,360,200 | 4,743 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 4,954 |
| Cost of funding earning assets | 0.1145% | 5,499 |
| Net interest margin | 3.2951% | 4,188 |
| Noninterest income to average assets | 0.3398% | 4,105 |
| Noninterest expense to average assets | 3.0770% | 1,868 |
| Loan and lease loss provision to assets | 0.0614% | 2,844 |
| Net operating income to assets | 0.2345% | 5,317 |
| Return on assets (ROA) | 0.2429% | 5,324 |
| Pretax return on assets | 0.3138% | 5,297 |
| Return on Equity (ROE) | 2.1121% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.1121% | 4,598 |
| Net charge-offs to loans | 0.1522% | 1,334 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 5.9332% | 3,045 |
| Efficiency ratio | 89.4132% | 435 |
| Assets per employee ($millions) | 3.1994% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7726% | 4,970 |
| Loan loss allowance to noncurrent loans | 1,119.2308% | 548 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 1,550 |
| Noncurrent loans to loans | 0.0690% | 4,801 |
| Net loans and leases to total assets | 37.6840% | 5,280 |
| Net loans and leases to deposits | 42.6767% | 5,351 |
| Net loans and leases to core deposits | 43.8772% | 5,368 |
| Total domestic deposits to total assets | 88.3011% | 1,212 |
| Equity capital to assets | 11.5295% | 2,332 |
| Core capital (leverage) ratio | 11.7033% | 1,880 |
| Tier 1 risk-based capital ratio | 23.2404% | 925 |
| Total risk-based capital ratio | 23.8300% | 971 |
| Memoranda: | ||
| Average total assets | $97,710,250 | 4,317 |
| Average earning assets | $91,972,250 | 4,281 |
| Average equity | $11,236,500 | 4,311 |
| Average total loans | $39,433,750 | 4,795 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4056% | 4,963 |
| Cost of funding earning assets | 0.1157% | 5,531 |
| Net interest margin | 3.2899% | 4,140 |
| Noninterest income to average assets | 0.3003% | 4,388 |
| Noninterest expense to average assets | 3.0981% | 1,842 |
| Loan and lease loss provision to assets | 0.0617% | 2,730 |
| Net operating income to assets | 0.2060% | 5,389 |
| Return on assets (ROA) | 0.2201% | 5,379 |
| Pretax return on assets | 0.2571% | 5,384 |
| Return on Equity (ROE) | 1.9158% | 5,353 |
| Retained earnings to average equity (ytd only) | 1.9158% | 4,485 |
| Net charge-offs to loans | 0.2249% | 907 |
| Credit loss provision to net charge-offs | 66.6667% | 2,410 |
| Earnings coverage of net charge-offs (x) | 3.2667% | 3,071 |
| Efficiency ratio | 91.1071% | 395 |
| Assets per employee ($millions) | 2.9765% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 5,164 |
| Loan loss allowance to noncurrent loans | 501.8182% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 1,565 |
| Noncurrent loans to loans | 0.1432% | 4,550 |
| Net loans and leases to total assets | 38.8221% | 5,269 |
| Net loans and leases to deposits | 44.0315% | 5,340 |
| Net loans and leases to core deposits | 45.2854% | 5,358 |
| Total domestic deposits to total assets | 88.1690% | 1,371 |
| Equity capital to assets | 11.6406% | 2,200 |
| Core capital (leverage) ratio | 11.6754% | 1,849 |
| Tier 1 risk-based capital ratio | 23.8150% | 873 |
| Total risk-based capital ratio | 24.3936% | 923 |
| Memoranda: | ||
| Average total assets | $97,220,330 | 4,357 |
| Average earning assets | $91,614,000 | 4,315 |
| Average equity | $11,170,330 | 4,332 |
| Average total loans | $40,023,000 | 4,807 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 4,866 |
| Cost of funding earning assets | 0.1233% | 5,538 |
| Net interest margin | 3.3113% | 3,966 |
| Noninterest income to average assets | 0.1406% | 5,408 |
| Noninterest expense to average assets | 3.1432% | 1,757 |
| Loan and lease loss provision to assets | 0.0620% | 2,568 |
| Net operating income to assets | 0.0703% | 5,548 |
| Return on assets (ROA) | 0.1034% | 5,514 |
| Pretax return on assets | 0.0786% | 5,543 |
| Return on Equity (ROE) | 0.9059% | 5,513 |
| Retained earnings to average equity (ytd only) | 0.9059% | 4,692 |
| Net charge-offs to loans | 0.3429% | 536 |
| Credit loss provision to net charge-offs | 42.8571% | 2,044 |
| Earnings coverage of net charge-offs (x) | 0.7429% | 2,800 |
| Efficiency ratio | 96.6921% | 298 |
| Assets per employee ($millions) | 3.1452% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 5,353 |
| Loan loss allowance to noncurrent loans | 49.3625% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.9507% | 686 |
| Noncurrent loans to loans | 1.3716% | 1,468 |
| Net loans and leases to total assets | 40.7729% | 5,217 |
| Net loans and leases to deposits | 46.0724% | 5,300 |
| Net loans and leases to core deposits | 47.6261% | 5,314 |
| Total domestic deposits to total assets | 88.4976% | 1,425 |
| Equity capital to assets | 11.3537% | 2,303 |
| Core capital (leverage) ratio | 11.6050% | 1,875 |
| Tier 1 risk-based capital ratio | 22.0857% | 1,078 |
| Total risk-based capital ratio | 22.6159% | 1,144 |
| Memoranda: | ||
| Average total assets | $96,718,000 | 4,413 |
| Average earning assets | $90,841,500 | 4,376 |
| Average equity | $11,038,500 | 4,382 |
| Average total loans | $40,830,000 | 4,821 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 4,943 |
| Cost of funding earning assets | 0.1346% | 5,522 |
| Net interest margin | 3.2856% | 4,186 |
| Noninterest income to average assets | 0.4435% | 3,589 |
| Noninterest expense to average assets | 3.0812% | 2,093 |
| Loan and lease loss provision to assets | 0.0152% | 4,067 |
| Net operating income to assets | 0.3307% | 5,143 |
| Return on assets (ROA) | 0.4354% | 4,928 |
| Pretax return on assets | 0.5751% | 4,859 |
| Return on Equity (ROE) | 3.7551% | 4,912 |
| Retained earnings to average equity (ytd only) | 2.7683% | 3,930 |
| Net charge-offs to loans | 0.3058% | 899 |
| Credit loss provision to net charge-offs | 11.4504% | 3,733 |
| Earnings coverage of net charge-offs (x) | 3.4122% | 3,673 |
| Efficiency ratio | 87.1920% | 737 |
| Assets per employee ($millions) | 2.9071% | 5,419 |
| Cash dividends to net income (ytd only)* | 26.2791% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 5,360 |
| Loan loss allowance to noncurrent loans | 105.4348% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 2.1619% | 607 |
| Noncurrent loans to loans | 0.6629% | 2,870 |
| Net loans and leases to total assets | 43.0958% | 5,172 |
| Net loans and leases to deposits | 50.0012% | 5,215 |
| Net loans and leases to core deposits | 51.7434% | 5,240 |
| Total domestic deposits to total assets | 86.1896% | 2,496 |
| Equity capital to assets | 11.4734% | 2,196 |
| Core capital (leverage) ratio | 11.1006% | 2,257 |
| Tier 1 risk-based capital ratio | 22.1723% | 1,055 |
| Total risk-based capital ratio | 22.7431% | 1,124 |
| Memoranda: | ||
| Average total assets | $98,760,400 | 4,369 |
| Average earning assets | $92,888,800 | 4,326 |
| Average equity | $11,451,200 | 4,345 |
| Average total loans | $42,839,000 | 4,789 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4122% | 5,003 |
| Cost of funding earning assets | 0.1339% | 5,590 |
| Net interest margin | 3.2783% | 4,264 |
| Noninterest income to average assets | 0.4678% | 3,439 |
| Noninterest expense to average assets | 3.1434% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2804% | 5,319 |
| Return on assets (ROA) | 0.4062% | 5,096 |
| Pretax return on assets | 0.5911% | 4,902 |
| Return on Equity (ROE) | 3.4940% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.4940% | 3,802 |
| Net charge-offs to loans | 0.3338% | 688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.8240% | 3,515 |
| Efficiency ratio | 88.4906% | 648 |
| Assets per employee ($millions) | 3.0412% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6863% | 5,451 |
| Loan loss allowance to noncurrent loans | 135.9091% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 763 |
| Noncurrent loans to loans | 0.5050% | 3,482 |
| Net loans and leases to total assets | 43.1132% | 5,248 |
| Net loans and leases to deposits | 49.0561% | 5,342 |
| Net loans and leases to core deposits | 50.8133% | 5,355 |
| Total domestic deposits to total assets | 87.8855% | 1,458 |
| Equity capital to assets | 11.9082% | 2,180 |
| Core capital (leverage) ratio | 11.2138% | 2,256 |
| Tier 1 risk-based capital ratio | 21.0213% | 1,271 |
| Total risk-based capital ratio | 21.5790% | 1,354 |
| Memoranda: | ||
| Average total assets | $99,466,750 | 4,388 |
| Average earning assets | $93,582,250 | 4,352 |
| Average equity | $11,562,250 | 4,365 |
| Average total loans | $43,140,000 | 4,823 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 5,112 |
| Cost of funding earning assets | 0.1349% | 5,646 |
| Net interest margin | 3.2515% | 4,373 |
| Noninterest income to average assets | 0.4578% | 3,470 |
| Noninterest expense to average assets | 3.2389% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1946% | 5,531 |
| Return on assets (ROA) | 0.3287% | 5,324 |
| Pretax return on assets | 0.4719% | 5,199 |
| Return on Equity (ROE) | 2.8515% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.8515% | 4,088 |
| Net charge-offs to loans | 0.5024% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.2870% | 3,432 |
| Efficiency ratio | 92.0344% | 492 |
| Assets per employee ($millions) | 3.1833% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 5,556 |
| Loan loss allowance to noncurrent loans | 81.1989% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.1499% | 729 |
| Noncurrent loans to loans | 0.8378% | 2,652 |
| Net loans and leases to total assets | 42.7128% | 5,304 |
| Net loans and leases to deposits | 48.4240% | 5,411 |
| Net loans and leases to core deposits | 50.1435% | 5,426 |
| Total domestic deposits to total assets | 88.2058% | 1,316 |
| Equity capital to assets | 11.6037% | 2,440 |
| Core capital (leverage) ratio | 11.0524% | 2,384 |
| Tier 1 risk-based capital ratio | 20.3344% | 1,377 |
| Total risk-based capital ratio | 20.8836% | 1,496 |
| Memoranda: | ||
| Average total assets | $99,169,330 | 4,433 |
| Average earning assets | $93,371,330 | 4,399 |
| Average equity | $11,432,670 | 4,413 |
| Average total loans | $42,997,670 | 4,864 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 5,077 |
| Cost of funding earning assets | 0.1347% | 5,721 |
| Net interest margin | 3.2848% | 4,286 |
| Noninterest income to average assets | 0.4866% | 3,219 |
| Noninterest expense to average assets | 3.3080% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1958% | 5,531 |
| Return on assets (ROA) | 0.2576% | 5,485 |
| Pretax return on assets | 0.3557% | 5,390 |
| Return on Equity (ROE) | 2.2422% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.2422% | 4,364 |
| Net charge-offs to loans | 0.0939% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,228 |
| Efficiency ratio | 92.4571% | 522 |
| Assets per employee ($millions) | 2.8836% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 5,007 |
| Loan loss allowance to noncurrent loans | 71.7902% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.2184% | 735 |
| Noncurrent loans to loans | 1.2744% | 1,893 |
| Net loans and leases to total assets | 43.8557% | 5,248 |
| Net loans and leases to deposits | 49.7587% | 5,355 |
| Net loans and leases to core deposits | 51.5991% | 5,370 |
| Total domestic deposits to total assets | 88.1367% | 1,569 |
| Equity capital to assets | 11.6929% | 2,249 |
| Core capital (leverage) ratio | 11.2903% | 2,152 |
| Tier 1 risk-based capital ratio | 21.1503% | 1,292 |
| Total risk-based capital ratio | 21.9171% | 1,346 |
| Memoranda: | ||
| Average total assets | $97,822,000 | 4,500 |
| Average earning assets | $92,061,000 | 4,457 |
| Average equity | $11,239,000 | 4,461 |
| Average total loans | $42,593,000 | 4,912 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3145% | 5,323 |
| Cost of funding earning assets | 0.1461% | 5,708 |
| Net interest margin | 3.1684% | 4,721 |
| Noninterest income to average assets | 0.2985% | 4,751 |
| Noninterest expense to average assets | 3.5557% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.2518% | 5,983 |
| Return on assets (ROA) | 0.1399% | 5,749 |
| Pretax return on assets | 0.1244% | 5,775 |
| Return on Equity (ROE) | 1.1905% | 5,738 |
| Retained earnings to average equity (ytd only) | 0.5115% | 5,315 |
| Net charge-offs to loans | 0.0488% | 3,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -12.9000% | 4,428 |
| Efficiency ratio | 108.1311% | 156 |
| Assets per employee ($millions) | 2.7886% | 5,713 |
| Cash dividends to net income (ytd only)* | 57.0370% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 4,742 |
| Loan loss allowance to noncurrent loans | 106.8241% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.0522% | 849 |
| Noncurrent loans to loans | 0.9117% | 2,515 |
| Net loans and leases to total assets | 42.4018% | 5,384 |
| Net loans and leases to deposits | 48.0456% | 5,485 |
| Net loans and leases to core deposits | 49.8170% | 5,508 |
| Total domestic deposits to total assets | 88.2533% | 1,507 |
| Equity capital to assets | 11.2846% | 2,554 |
| Core capital (leverage) ratio | 11.3925% | 2,050 |
| Tier 1 risk-based capital ratio | 21.3985% | 1,231 |
| Total risk-based capital ratio | 22.2001% | 1,284 |
| Memoranda: | ||
| Average total assets | $96,494,000 | 4,529 |
| Average earning assets | $91,054,400 | 4,482 |
| Average equity | $11,340,200 | 4,420 |
| Average total loans | $40,980,000 | 4,964 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 5,329 |
| Cost of funding earning assets | 0.1498% | 5,780 |
| Net interest margin | 3.1958% | 4,681 |
| Noninterest income to average assets | 0.2494% | 5,150 |
| Noninterest expense to average assets | 3.4574% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1820% | 6,038 |
| Return on assets (ROA) | 0.3104% | 5,509 |
| Pretax return on assets | 0.3312% | 5,592 |
| Return on Equity (ROE) | 2.6148% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.6148% | 4,549 |
| Net charge-offs to loans | 0.0327% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -13.9032% | 4,147 |
| Efficiency ratio | 105.8998% | 190 |
| Assets per employee ($millions) | 2.5996% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 4,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7759% | 1,212 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 42.8744% | 5,435 |
| Net loans and leases to deposits | 49.0196% | 5,512 |
| Net loans and leases to core deposits | 50.9227% | 5,544 |
| Total domestic deposits to total assets | 87.4638% | 1,816 |
| Equity capital to assets | 12.1814% | 1,975 |
| Core capital (leverage) ratio | 11.5516% | 2,000 |
| Tier 1 risk-based capital ratio | 22.4137% | 1,140 |
| Total risk-based capital ratio | 23.2591% | 1,174 |
| Memoranda: | ||
| Average total assets | $96,217,000 | 4,586 |
| Average earning assets | $90,782,750 | 4,535 |
| Average equity | $11,421,750 | 4,452 |
| Average total loans | $40,777,000 | 5,029 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3315% | 5,380 |
| Cost of funding earning assets | 0.1550% | 5,817 |
| Net interest margin | 3.1765% | 4,727 |
| Noninterest income to average assets | 0.1977% | 5,501 |
| Noninterest expense to average assets | 3.3534% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1310% | 6,067 |
| Return on assets (ROA) | 0.4964% | 4,889 |
| Pretax return on assets | 0.5974% | 4,979 |
| Return on Equity (ROE) | 4.2173% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.2173% | 3,352 |
| Net charge-offs to loans | 0.1126% | 1,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.3478% | 3,804 |
| Efficiency ratio | 104.9645% | 237 |
| Assets per employee ($millions) | 2.7742% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 4,939 |
| Loan loss allowance to noncurrent loans | 223.2044% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.9475% | 1,145 |
| Noncurrent loans to loans | 0.4415% | 4,158 |
| Net loans and leases to total assets | 41.8052% | 5,515 |
| Net loans and leases to deposits | 47.3968% | 5,616 |
| Net loans and leases to core deposits | 49.1756% | 5,644 |
| Total domestic deposits to total assets | 88.2026% | 1,548 |
| Equity capital to assets | 11.4905% | 2,421 |
| Core capital (leverage) ratio | 11.3074% | 2,157 |
| Tier 1 risk-based capital ratio | 22.5589% | 1,130 |
| Total risk-based capital ratio | 23.3809% | 1,168 |
| Memoranda: | ||
| Average total assets | $97,094,330 | 4,610 |
| Average earning assets | $91,611,330 | 4,567 |
| Average equity | $11,429,000 | 4,479 |
| Average total loans | $40,855,670 | 5,075 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3811% | 5,247 |
| Cost of funding earning assets | 0.1569% | 5,873 |
| Net interest margin | 3.2242% | 4,506 |
| Noninterest income to average assets | 0.4408% | 3,689 |
| Noninterest expense to average assets | 3.3576% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1102% | 5,854 |
| Return on assets (ROA) | 1.0670% | 2,102 |
| Pretax return on assets | 1.3430% | 2,109 |
| Return on Equity (ROE) | 8.9581% | 2,462 |
| Retained earnings to average equity (ytd only) | 8.9581% | 1,205 |
| Net charge-offs to loans | 0.0196% | 2,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,595 |
| Efficiency ratio | 96.2220% | 493 |
| Assets per employee ($millions) | 2.7513% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 4,912 |
| Loan loss allowance to noncurrent loans | 156.2500% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 2.0960% | 1,106 |
| Noncurrent loans to loans | 0.6542% | 3,636 |
| Net loans and leases to total assets | 41.5494% | 5,515 |
| Net loans and leases to deposits | 47.2019% | 5,609 |
| Net loans and leases to core deposits | 48.9328% | 5,637 |
| Total domestic deposits to total assets | 88.0248% | 1,804 |
| Equity capital to assets | 11.7804% | 2,215 |
| Core capital (leverage) ratio | 11.4070% | 2,074 |
| Tier 1 risk-based capital ratio | 22.7174% | 1,144 |
| Total risk-based capital ratio | 23.5848% | 1,177 |
| Memoranda: | ||
| Average total assets | $97,092,500 | 4,644 |
| Average earning assets | $91,805,500 | 4,597 |
| Average equity | $11,565,000 | 4,494 |
| Average total loans | $40,785,500 | 5,112 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 5,488 |
| Cost of funding earning assets | 0.1770% | 5,927 |
| Net interest margin | 3.2448% | 4,773 |
| Noninterest income to average assets | 0.4828% | 3,630 |
| Noninterest expense to average assets | 3.4337% | 1,633 |
| Loan and lease loss provision to assets | -0.0533% | 6,048 |
| Net operating income to assets | 0.2515% | 5,657 |
| Return on assets (ROA) | 0.2515% | 5,712 |
| Pretax return on assets | 0.1300% | 5,962 |
| Return on Equity (ROE) | 2.0875% | 5,745 |
| Retained earnings to average equity (ytd only) | 1.4064% | 5,137 |
| Net charge-offs to loans | 0.1897% | 2,150 |
| Credit loss provision to net charge-offs | -66.6667% | 5,453 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 4,526 |
| Efficiency ratio | 97.8142% | 432 |
| Assets per employee ($millions) | 2.6428% | 6,075 |
| Cash dividends to net income (ytd only)* | 32.6271% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 4,712 |
| Loan loss allowance to noncurrent loans | 99.5338% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.8705% | 739 |
| Noncurrent loans to loans | 1.0727% | 2,672 |
| Net loans and leases to total assets | 41.5876% | 5,649 |
| Net loans and leases to deposits | 47.4293% | 5,717 |
| Net loans and leases to core deposits | 49.3884% | 5,742 |
| Total domestic deposits to total assets | 87.6833% | 1,934 |
| Equity capital to assets | 12.0476% | 1,984 |
| Core capital (leverage) ratio | 11.8147% | 1,754 |
| Tier 1 risk-based capital ratio | 23.3423% | 1,024 |
| Total risk-based capital ratio | 24.2227% | 1,064 |
| Memoranda: | ||
| Average total assets | $93,834,400 | 4,760 |
| Average earning assets | $87,555,200 | 4,706 |
| Average equity | $11,305,400 | 4,497 |
| Average total loans | $39,526,400 | 5,199 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 5,532 |
| Cost of funding earning assets | 0.1806% | 5,990 |
| Net interest margin | 3.2530% | 4,783 |
| Noninterest income to average assets | 0.5190% | 3,415 |
| Noninterest expense to average assets | 3.4149% | 1,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2381% | 5,759 |
| Return on assets (ROA) | 0.2381% | 5,818 |
| Pretax return on assets | 0.1340% | 6,024 |
| Return on Equity (ROE) | 1.9763% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.9763% | 5,070 |
| Net charge-offs to loans | 0.2368% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.3429% | 4,180 |
| Efficiency ratio | 96.2234% | 497 |
| Assets per employee ($millions) | 2.7688% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 4,080 |
| Loan loss allowance to noncurrent loans | 430.3571% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 2.9595% | 805 |
| Noncurrent loans to loans | 0.2855% | 5,057 |
| Net loans and leases to total assets | 41.1672% | 5,737 |
| Net loans and leases to deposits | 46.9751% | 5,823 |
| Net loans and leases to core deposits | 48.7760% | 5,849 |
| Total domestic deposits to total assets | 87.6362% | 1,961 |
| Equity capital to assets | 12.1513% | 1,945 |
| Core capital (leverage) ratio | 12.0580% | 1,666 |
| Tier 1 risk-based capital ratio | 24.3582% | 947 |
| Total risk-based capital ratio | 25.3945% | 953 |
| Memoranda: | ||
| Average total assets | $93,508,250 | 4,811 |
| Average earning assets | $87,097,000 | 4,768 |
| Average equity | $11,266,250 | 4,537 |
| Average total loans | $39,409,750 | 5,264 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4287% | 5,560 |
| Cost of funding earning assets | 0.1889% | 6,011 |
| Net interest margin | 3.2398% | 4,808 |
| Noninterest income to average assets | 0.5273% | 3,288 |
| Noninterest expense to average assets | 3.3998% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2379% | 5,739 |
| Return on assets (ROA) | 0.2379% | 5,810 |
| Pretax return on assets | 0.1415% | 6,040 |
| Return on Equity (ROE) | 1.9806% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.9806% | 4,888 |
| Net charge-offs to loans | 0.3801% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.8800% | 3,948 |
| Efficiency ratio | 96.0048% | 554 |
| Assets per employee ($millions) | 2.6644% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 4,457 |
| Loan loss allowance to noncurrent loans | 1,014.8936% | 514 |
| Noncurrent assets plus other real estate owned to assets | 2.8295% | 921 |
| Noncurrent loans to loans | 0.1175% | 5,663 |
| Net loans and leases to total assets | 41.1877% | 5,731 |
| Net loans and leases to deposits | 46.8319% | 5,835 |
| Net loans and leases to core deposits | 48.5994% | 5,870 |
| Total domestic deposits to total assets | 87.9479% | 1,929 |
| Equity capital to assets | 11.8363% | 2,115 |
| Core capital (leverage) ratio | 11.8553% | 1,749 |
| Tier 1 risk-based capital ratio | 23.4805% | 1,047 |
| Total risk-based capital ratio | 24.4741% | 1,060 |
| Memoranda: | ||
| Average total assets | $93,298,330 | 4,842 |
| Average earning assets | $86,795,670 | 4,812 |
| Average equity | $11,208,670 | 4,551 |
| Average total loans | $39,467,670 | 5,301 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 5,591 |
| Cost of funding earning assets | 0.1916% | 6,066 |
| Net interest margin | 3.2340% | 4,803 |
| Noninterest income to average assets | 0.5088% | 3,338 |
| Noninterest expense to average assets | 3.4091% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2392% | 5,693 |
| Return on assets (ROA) | 0.2392% | 5,740 |
| Pretax return on assets | 0.1087% | 6,062 |
| Return on Equity (ROE) | 1.9755% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.9755% | 4,812 |
| Net charge-offs to loans | 0.7753% | 446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.3289% | 3,372 |
| Efficiency ratio | 96.9098% | 597 |
| Assets per employee ($millions) | 2.6266% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,531 |
| Loan loss allowance to noncurrent loans | 820.6897% | 618 |
| Noncurrent assets plus other real estate owned to assets | 2.8998% | 1,002 |
| Noncurrent loans to loans | 0.1491% | 5,639 |
| Net loans and leases to total assets | 40.6460% | 5,766 |
| Net loans and leases to deposits | 46.1537% | 5,841 |
| Net loans and leases to core deposits | 47.9125% | 5,875 |
| Total domestic deposits to total assets | 88.0666% | 2,199 |
| Equity capital to assets | 11.8234% | 1,999 |
| Core capital (leverage) ratio | 12.0445% | 1,628 |
| Tier 1 risk-based capital ratio | 24.3044% | 961 |
| Total risk-based capital ratio | 25.3359% | 973 |
| Memoranda: | ||
| Average total assets | $91,989,000 | 4,914 |
| Average earning assets | $85,591,000 | 4,879 |
| Average equity | $11,136,500 | 4,580 |
| Average total loans | $39,210,000 | 5,351 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5570% | 5,517 |
| Cost of funding earning assets | 0.2415% | 6,023 |
| Net interest margin | 3.3155% | 4,604 |
| Noninterest income to average assets | 0.5517% | 3,393 |
| Noninterest expense to average assets | 3.4944% | 1,666 |
| Loan and lease loss provision to assets | -0.0331% | 6,333 |
| Net operating income to assets | 0.2957% | 5,538 |
| Return on assets (ROA) | 0.2957% | 5,631 |
| Pretax return on assets | 0.1810% | 5,976 |
| Return on Equity (ROE) | 2.3651% | 5,719 |
| Retained earnings to average equity (ytd only) | 1.4561% | 5,164 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9406% | 645 |
| Assets per employee ($millions) | 2.4839% | 6,412 |
| Cash dividends to net income (ytd only)* | 38.4328% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 3,667 |
| Loan loss allowance to noncurrent loans | 349.3671% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 3.1592% | 975 |
| Noncurrent loans to loans | 0.3999% | 5,011 |
| Net loans and leases to total assets | 43.5674% | 5,709 |
| Net loans and leases to deposits | 49.9058% | 5,776 |
| Net loans and leases to core deposits | 51.2248% | 5,859 |
| Total domestic deposits to total assets | 87.2993% | 2,579 |
| Equity capital to assets | 12.4055% | 1,565 |
| Core capital (leverage) ratio | 12.4153% | 1,400 |
| Tier 1 risk-based capital ratio | 24.1298% | 937 |
| Total risk-based capital ratio | 25.3232% | 937 |
| Memoranda: | ||
| Average total assets | $90,631,000 | 4,965 |
| Average earning assets | $84,482,400 | 4,922 |
| Average equity | $11,331,400 | 4,572 |
| Average total loans | $41,110,600 | 5,297 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5587% | 5,555 |
| Cost of funding earning assets | 0.2501% | 6,083 |
| Net interest margin | 3.3085% | 4,605 |
| Noninterest income to average assets | 0.5278% | 3,609 |
| Noninterest expense to average assets | 3.5116% | 1,593 |
| Loan and lease loss provision to assets | -0.0440% | 6,540 |
| Net operating income to assets | 0.2713% | 5,707 |
| Return on assets (ROA) | 0.2713% | 5,813 |
| Pretax return on assets | 0.1437% | 6,150 |
| Return on Equity (ROE) | 2.1654% | 5,889 |
| Retained earnings to average equity (ytd only) | 2.1654% | 5,017 |
| Net charge-offs to loans | -0.0450% | 6,278 |
| Credit loss provision to net charge-offs | 214.2857% | 1,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2391% | 560 |
| Assets per employee ($millions) | 2.5042% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 3,796 |
| Loan loss allowance to noncurrent loans | 237.8151% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 3.2812% | 1,075 |
| Noncurrent loans to loans | 0.5984% | 4,703 |
| Net loans and leases to total assets | 43.4870% | 5,774 |
| Net loans and leases to deposits | 49.7330% | 5,852 |
| Net loans and leases to core deposits | 51.0329% | 5,948 |
| Total domestic deposits to total assets | 87.4411% | 2,445 |
| Equity capital to assets | 12.4025% | 1,634 |
| Core capital (leverage) ratio | 12.4784% | 1,435 |
| Tier 1 risk-based capital ratio | 24.6305% | 921 |
| Total risk-based capital ratio | 25.8772% | 902 |
| Memoranda: | ||
| Average total assets | $90,933,750 | 5,008 |
| Average earning assets | $84,748,250 | 4,958 |
| Average equity | $11,391,000 | 4,611 |
| Average total loans | $41,510,750 | 5,335 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 5,580 |
| Cost of funding earning assets | 0.2584% | 6,117 |
| Net interest margin | 3.2960% | 4,603 |
| Noninterest income to average assets | 0.5878% | 3,270 |
| Noninterest expense to average assets | 3.4958% | 1,615 |
| Loan and lease loss provision to assets | 0.0439% | 4,089 |
| Net operating income to assets | 0.2588% | 5,748 |
| Return on assets (ROA) | 0.2588% | 5,878 |
| Pretax return on assets | 0.1250% | 6,191 |
| Return on Equity (ROE) | 2.0592% | 5,936 |
| Retained earnings to average equity (ytd only) | 2.0592% | 4,964 |
| Net charge-offs to loans | -0.0428% | 6,211 |
| Credit loss provision to net charge-offs | -222.2222% | 5,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3920% | 690 |
| Assets per employee ($millions) | 2.4886% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 3,512 |
| Loan loss allowance to noncurrent loans | 87.8049% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 3.4948% | 1,105 |
| Noncurrent loans to loans | 1.7274% | 2,725 |
| Net loans and leases to total assets | 44.3543% | 5,710 |
| Net loans and leases to deposits | 50.8601% | 5,779 |
| Net loans and leases to core deposits | 52.2038% | 5,873 |
| Total domestic deposits to total assets | 87.2084% | 2,706 |
| Equity capital to assets | 12.5639% | 1,538 |
| Core capital (leverage) ratio | 12.1210% | 1,553 |
| Tier 1 risk-based capital ratio | 24.4092% | 945 |
| Total risk-based capital ratio | 25.6611% | 930 |
| Memoranda: | ||
| Average total assets | $91,194,670 | 5,031 |
| Average earning assets | $85,134,000 | 4,977 |
| Average equity | $11,461,000 | 4,631 |
| Average total loans | $42,091,000 | 5,332 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5732% | 5,522 |
| Cost of funding earning assets | 0.2649% | 6,192 |
| Net interest margin | 3.3083% | 4,485 |
| Noninterest income to average assets | 0.5391% | 3,503 |
| Noninterest expense to average assets | 3.4175% | 1,789 |
| Loan and lease loss provision to assets | 0.0652% | 3,543 |
| Net operating income to assets | 0.2783% | 5,638 |
| Return on assets (ROA) | 0.2783% | 5,758 |
| Pretax return on assets | 0.1522% | 6,168 |
| Return on Equity (ROE) | 2.2139% | 5,869 |
| Retained earnings to average equity (ytd only) | 2.2139% | 4,899 |
| Net charge-offs to loans | -0.0372% | 5,991 |
| Credit loss provision to net charge-offs | -375.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0191% | 837 |
| Assets per employee ($millions) | 2.5849% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 4,066 |
| Loan loss allowance to noncurrent loans | 74.7512% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 3.3855% | 1,278 |
| Noncurrent loans to loans | 1.9222% | 2,709 |
| Net loans and leases to total assets | 43.1034% | 5,751 |
| Net loans and leases to deposits | 49.1136% | 5,846 |
| Net loans and leases to core deposits | 50.1649% | 5,966 |
| Total domestic deposits to total assets | 87.7627% | 2,480 |
| Equity capital to assets | 12.1265% | 1,951 |
| Core capital (leverage) ratio | 11.8272% | 1,665 |
| Tier 1 risk-based capital ratio | 23.7932% | 1,045 |
| Total risk-based capital ratio | 25.0430% | 1,022 |
| Memoranda: | ||
| Average total assets | $91,997,000 | 5,052 |
| Average earning assets | $86,085,500 | 4,980 |
| Average equity | $11,563,500 | 4,660 |
| Average total loans | $42,962,000 | 5,343 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 5,363 |
| Cost of funding earning assets | 0.3479% | 6,228 |
| Net interest margin | 3.6373% | 3,929 |
| Noninterest income to average assets | 0.6542% | 2,966 |
| Noninterest expense to average assets | 3.4842% | 1,852 |
| Loan and lease loss provision to assets | 0.3444% | 1,946 |
| Net operating income to assets | 0.3260% | 5,375 |
| Return on assets (ROA) | 0.3260% | 5,590 |
| Pretax return on assets | 0.2096% | 5,974 |
| Return on Equity (ROE) | 2.4775% | 5,755 |
| Retained earnings to average equity (ytd only) | 1.5845% | 5,079 |
| Net charge-offs to loans | 0.8482% | 1,357 |
| Credit loss provision to net charge-offs | 82.3691% | 3,748 |
| Earnings coverage of net charge-offs (x) | 1.3251% | 4,800 |
| Efficiency ratio | 86.2807% | 1,402 |
| Assets per employee ($millions) | 2.5243% | 6,594 |
| Cash dividends to net income (ytd only)* | 36.0424% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 4,531 |
| Loan loss allowance to noncurrent loans | 75.8801% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 3.6230% | 1,238 |
| Noncurrent loans to loans | 1.7393% | 3,004 |
| Net loans and leases to total assets | 49.2530% | 5,273 |
| Net loans and leases to deposits | 56.8087% | 5,361 |
| Net loans and leases to core deposits | 58.3379% | 5,509 |
| Total domestic deposits to total assets | 86.6998% | 2,994 |
| Equity capital to assets | 13.0489% | 1,422 |
| Core capital (leverage) ratio | 12.2918% | 1,405 |
| Tier 1 risk-based capital ratio | 22.4149% | 1,193 |
| Total risk-based capital ratio | 23.6142% | 1,177 |
| Memoranda: | ||
| Average total assets | $86,821,400 | 5,164 |
| Average earning assets | $80,775,200 | 5,108 |
| Average equity | $11,423,000 | 4,684 |
| Average total loans | $42,794,600 | 5,392 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 5,424 |
| Cost of funding earning assets | 0.3666% | 6,292 |
| Net interest margin | 3.6678% | 3,932 |
| Noninterest income to average assets | 0.6417% | 3,037 |
| Noninterest expense to average assets | 3.5122% | 1,729 |
| Loan and lease loss provision to assets | 0.4612% | 1,345 |
| Net operating income to assets | 0.2406% | 5,806 |
| Return on assets (ROA) | 0.2406% | 5,999 |
| Pretax return on assets | 0.0787% | 6,300 |
| Return on Equity (ROE) | 1.8250% | 6,071 |
| Retained earnings to average equity (ytd only) | 1.8250% | 5,422 |
| Net charge-offs to loans | 1.0549% | 996 |
| Credit loss provision to net charge-offs | 88.9881% | 3,327 |
| Earnings coverage of net charge-offs (x) | 1.0417% | 4,790 |
| Efficiency ratio | 86.6768% | 1,326 |
| Assets per employee ($millions) | 2.4756% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 4,015 |
| Loan loss allowance to noncurrent loans | 166.3934% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 3.7336% | 1,323 |
| Noncurrent loans to loans | 0.8919% | 4,647 |
| Net loans and leases to total assets | 46.6565% | 5,692 |
| Net loans and leases to deposits | 53.9294% | 5,817 |
| Net loans and leases to core deposits | 55.9421% | 5,895 |
| Total domestic deposits to total assets | 86.5141% | 2,973 |
| Equity capital to assets | 13.2955% | 1,440 |
| Core capital (leverage) ratio | 12.6159% | 1,356 |
| Tier 1 risk-based capital ratio | 24.0030% | 1,022 |
| Total risk-based capital ratio | 25.2476% | 1,003 |
| Memoranda: | ||
| Average total assets | $86,438,750 | 5,225 |
| Average earning assets | $80,373,000 | 5,166 |
| Average equity | $11,396,500 | 4,733 |
| Average total loans | $42,468,750 | 5,466 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 5,360 |
| Cost of funding earning assets | 0.3796% | 6,379 |
| Net interest margin | 3.7096% | 3,773 |
| Noninterest income to average assets | 0.6600% | 2,896 |
| Noninterest expense to average assets | 3.4943% | 1,800 |
| Loan and lease loss provision to assets | 0.6461% | 883 |
| Net operating income to assets | 0.1714% | 6,000 |
| Return on assets (ROA) | 0.1714% | 6,171 |
| Pretax return on assets | -0.0185% | 6,466 |
| Return on Equity (ROE) | 1.3034% | 6,233 |
| Retained earnings to average equity (ytd only) | 1.3034% | 5,541 |
| Net charge-offs to loans | 1.5973% | 590 |
| Credit loss provision to net charge-offs | 81.3411% | 3,282 |
| Earnings coverage of net charge-offs (x) | 0.7901% | 4,660 |
| Efficiency ratio | 84.7753% | 1,558 |
| Assets per employee ($millions) | 2.5033% | 6,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 4,287 |
| Loan loss allowance to noncurrent loans | 265.7534% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 3.4046% | 1,577 |
| Noncurrent loans to loans | 0.5420% | 5,434 |
| Net loans and leases to total assets | 45.4535% | 5,870 |
| Net loans and leases to deposits | 52.4186% | 5,999 |
| Net loans and leases to core deposits | 54.1417% | 6,086 |
| Total domestic deposits to total assets | 86.7126% | 2,953 |
| Equity capital to assets | 13.0431% | 1,497 |
| Core capital (leverage) ratio | 13.5999% | 938 |
| Tier 1 risk-based capital ratio | 24.4900% | 959 |
| Total risk-based capital ratio | 25.7338% | 941 |
| Memoranda: | ||
| Average total assets | $86,369,670 | 5,266 |
| Average earning assets | $80,601,330 | 5,186 |
| Average equity | $11,355,330 | 4,741 |
| Average total loans | $42,946,670 | 5,474 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 4,976 |
| Cost of funding earning assets | 0.3883% | 6,468 |
| Net interest margin | 3.8477% | 3,145 |
| Noninterest income to average assets | 0.5738% | 3,393 |
| Noninterest expense to average assets | 3.4894% | 1,783 |
| Loan and lease loss provision to assets | 1.1616% | 336 |
| Net operating income to assets | -0.1213% | 6,563 |
| Return on assets (ROA) | -0.1213% | 6,634 |
| Pretax return on assets | -0.4712% | 6,811 |
| Return on Equity (ROE) | -0.9188% | 6,619 |
| Retained earnings to average equity (ytd only) | -0.9188% | 6,143 |
| Net charge-offs to loans | 3.1843% | 219 |
| Credit loss provision to net charge-offs | 70.7386% | 2,895 |
| Earnings coverage of net charge-offs (x) | 0.4205% | 4,146 |
| Efficiency ratio | 83.4821% | 1,739 |
| Assets per employee ($millions) | 2.5521% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 5,264 |
| Loan loss allowance to noncurrent loans | 71.2598% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 3.2661% | 1,766 |
| Noncurrent loans to loans | 1.7500% | 3,488 |
| Net loans and leases to total assets | 49.5563% | 5,368 |
| Net loans and leases to deposits | 57.0277% | 5,482 |
| Net loans and leases to core deposits | 58.7135% | 5,652 |
| Total domestic deposits to total assets | 86.8987% | 3,019 |
| Equity capital to assets | 12.9595% | 1,457 |
| Core capital (leverage) ratio | 12.3777% | 1,398 |
| Tier 1 risk-based capital ratio | 23.4153% | 1,078 |
| Total risk-based capital ratio | 24.5871% | 1,067 |
| Memoranda: | ||
| Average total assets | $85,746,000 | 5,320 |
| Average earning assets | $80,360,000 | 5,237 |
| Average equity | $11,319,000 | 4,758 |
| Average total loans | $44,216,500 | 5,462 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 5,412 |
| Cost of funding earning assets | 0.4899% | 6,578 |
| Net interest margin | 3.9138% | 3,276 |
| Noninterest income to average assets | 0.6155% | 3,084 |
| Noninterest expense to average assets | 3.5635% | 1,820 |
| Loan and lease loss provision to assets | 0.2965% | 3,296 |
| Net operating income to assets | 0.4755% | 4,523 |
| Return on assets (ROA) | 0.4755% | 4,730 |
| Pretax return on assets | 0.4317% | 5,197 |
| Return on Equity (ROE) | 3.6164% | 5,018 |
| Retained earnings to average equity (ytd only) | 2.3989% | 4,508 |
| Net charge-offs to loans | 0.5291% | 2,885 |
| Credit loss provision to net charge-offs | 106.8376% | 3,169 |
| Earnings coverage of net charge-offs (x) | 2.6239% | 3,902 |
| Efficiency ratio | 83.0340% | 1,880 |
| Assets per employee ($millions) | 2.4918% | 6,839 |
| Cash dividends to net income (ytd only)* | 33.6658% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 4,292 |
| Loan loss allowance to noncurrent loans | 39.5349% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 3.6909% | 1,589 |
| Noncurrent loans to loans | 3.6400% | 1,745 |
| Net loans and leases to total assets | 52.2226% | 5,277 |
| Net loans and leases to deposits | 60.5692% | 5,428 |
| Net loans and leases to core deposits | 62.4360% | 5,609 |
| Total domestic deposits to total assets | 86.2196% | 3,187 |
| Equity capital to assets | 13.4475% | 1,296 |
| Core capital (leverage) ratio | 12.9071% | 1,178 |
| Tier 1 risk-based capital ratio | 23.0897% | 1,091 |
| Total risk-based capital ratio | 24.3344% | 1,075 |
| Memoranda: | ||
| Average total assets | $84,326,800 | 5,328 |
| Average earning assets | $79,206,400 | 5,251 |
| Average equity | $11,088,400 | 4,759 |
| Average total loans | $44,226,600 | 5,503 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 5,595 |
| Cost of funding earning assets | 0.5155% | 6,646 |
| Net interest margin | 3.8867% | 3,448 |
| Noninterest income to average assets | 0.6189% | 3,057 |
| Noninterest expense to average assets | 3.6171% | 1,672 |
| Loan and lease loss provision to assets | 0.2501% | 3,503 |
| Net operating income to assets | 0.4496% | 4,782 |
| Return on assets (ROA) | 0.4496% | 4,973 |
| Pretax return on assets | 0.4037% | 5,457 |
| Return on Equity (ROE) | 3.4385% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.4385% | 4,286 |
| Net charge-offs to loans | -0.0030% | 6,680 |
| Credit loss provision to net charge-offs | -15,800.0000% | 6,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6924% | 1,668 |
| Assets per employee ($millions) | 2.5285% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 3,077 |
| Loan loss allowance to noncurrent loans | 60.9737% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 3.3497% | 1,899 |
| Noncurrent loans to loans | 2.8838% | 2,423 |
| Net loans and leases to total assets | 52.8320% | 5,344 |
| Net loans and leases to deposits | 61.3448% | 5,473 |
| Net loans and leases to core deposits | 63.1227% | 5,705 |
| Total domestic deposits to total assets | 86.1230% | 3,154 |
| Equity capital to assets | 13.6445% | 1,310 |
| Core capital (leverage) ratio | 12.8866% | 1,266 |
| Tier 1 risk-based capital ratio | 23.3391% | 1,101 |
| Total risk-based capital ratio | 24.5950% | 1,081 |
| Memoranda: | ||
| Average total assets | $84,228,000 | 5,373 |
| Average earning assets | $79,139,000 | 5,296 |
| Average equity | $11,012,250 | 4,801 |
| Average total loans | $44,060,750 | 5,556 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 5,820 |
| Cost of funding earning assets | 0.5402% | 6,703 |
| Net interest margin | 3.8214% | 3,682 |
| Noninterest income to average assets | 0.6036% | 3,113 |
| Noninterest expense to average assets | 3.6264% | 1,687 |
| Loan and lease loss provision to assets | 0.2485% | 3,425 |
| Net operating income to assets | 0.3929% | 4,979 |
| Return on assets (ROA) | 0.3929% | 5,125 |
| Pretax return on assets | 0.3290% | 5,602 |
| Return on Equity (ROE) | 3.0492% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.0492% | 4,339 |
| Net charge-offs to loans | 0.0183% | 5,582 |
| Credit loss provision to net charge-offs | 2,625.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 535 |
| Efficiency ratio | 86.2613% | 1,578 |
| Assets per employee ($millions) | 2.4655% | 6,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 3,416 |
| Loan loss allowance to noncurrent loans | 98.2527% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 2.8511% | 2,352 |
| Noncurrent loans to loans | 1.7010% | 3,883 |
| Net loans and leases to total assets | 51.3057% | 5,655 |
| Net loans and leases to deposits | 59.4641% | 5,781 |
| Net loans and leases to core deposits | 61.1717% | 5,979 |
| Total domestic deposits to total assets | 86.2801% | 3,170 |
| Equity capital to assets | 13.2606% | 1,402 |
| Core capital (leverage) ratio | 12.7176% | 1,285 |
| Tier 1 risk-based capital ratio | 23.6937% | 1,035 |
| Total risk-based capital ratio | 24.9475% | 1,025 |
| Memoranda: | ||
| Average total assets | $84,490,670 | 5,410 |
| Average earning assets | $79,603,330 | 5,328 |
| Average equity | $10,888,000 | 4,829 |
| Average total loans | $43,790,330 | 5,620 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 5,742 |
| Cost of funding earning assets | 0.5707% | 6,724 |
| Net interest margin | 3.8146% | 3,541 |
| Noninterest income to average assets | 0.5989% | 3,172 |
| Noninterest expense to average assets | 3.6264% | 1,711 |
| Loan and lease loss provision to assets | 0.2499% | 3,157 |
| Net operating income to assets | 0.3348% | 5,248 |
| Return on assets (ROA) | 0.3348% | 5,327 |
| Pretax return on assets | 0.3160% | 5,612 |
| Return on Equity (ROE) | 2.6360% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.6360% | 4,587 |
| Net charge-offs to loans | 0.0183% | 4,825 |
| Credit loss provision to net charge-offs | 2,650.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 492 |
| Efficiency ratio | 86.5017% | 1,653 |
| Assets per employee ($millions) | 2.5050% | 6,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 3,871 |
| Loan loss allowance to noncurrent loans | 42.8033% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 3.3404% | 2,038 |
| Noncurrent loans to loans | 3.6688% | 2,015 |
| Net loans and leases to total assets | 50.1174% | 5,835 |
| Net loans and leases to deposits | 57.6077% | 5,966 |
| Net loans and leases to core deposits | 58.8102% | 6,190 |
| Total domestic deposits to total assets | 86.9978% | 2,940 |
| Equity capital to assets | 12.6453% | 1,551 |
| Core capital (leverage) ratio | 12.4562% | 1,343 |
| Tier 1 risk-based capital ratio | 23.7043% | 1,003 |
| Total risk-based capital ratio | 24.9587% | 982 |
| Memoranda: | ||
| Average total assets | $84,822,500 | 5,446 |
| Average earning assets | $79,903,500 | 5,364 |
| Average equity | $10,774,000 | 4,852 |
| Average total loans | $43,816,000 | 5,666 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 6,425 |
| Cost of funding earning assets | 0.7910% | 6,606 |
| Net interest margin | 3.6986% | 4,345 |
| Noninterest income to average assets | 0.7536% | 2,522 |
| Noninterest expense to average assets | 3.5875% | 1,957 |
| Loan and lease loss provision to assets | 0.3150% | 4,284 |
| Net operating income to assets | 0.3514% | 4,734 |
| Return on assets (ROA) | 0.3586% | 4,872 |
| Pretax return on assets | 0.3368% | 5,123 |
| Return on Equity (ROE) | 2.7302% | 5,071 |
| Retained earnings to average equity (ytd only) | 1.7340% | 4,645 |
| Net charge-offs to loans | 0.9954% | 2,199 |
| Credit loss provision to net charge-offs | 59.3607% | 6,091 |
| Earnings coverage of net charge-offs (x) | 1.2146% | 4,888 |
| Efficiency ratio | 84.7695% | 1,827 |
| Assets per employee ($millions) | 2.4846% | 7,033 |
| Cash dividends to net income (ytd only)* | 36.4865% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 4,410 |
| Loan loss allowance to noncurrent loans | 106.0606% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 2.1959% | 3,104 |
| Noncurrent loans to loans | 1.3419% | 4,475 |
| Net loans and leases to total assets | 51.6555% | 5,967 |
| Net loans and leases to deposits | 59.4990% | 6,114 |
| Net loans and leases to core deposits | 61.7034% | 6,258 |
| Total domestic deposits to total assets | 86.8174% | 2,923 |
| Equity capital to assets | 12.7588% | 1,502 |
| Core capital (leverage) ratio | 12.3677% | 1,365 |
| Tier 1 risk-based capital ratio | 22.8323% | 1,061 |
| Total risk-based capital ratio | 24.0834% | 1,043 |
| Memoranda: | ||
| Average total assets | $82,536,600 | 5,508 |
| Average earning assets | $77,624,800 | 5,428 |
| Average equity | $10,841,800 | 4,901 |
| Average total loans | $44,001,600 | 5,746 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 6,596 |
| Cost of funding earning assets | 0.8365% | 6,630 |
| Net interest margin | 3.6691% | 4,543 |
| Noninterest income to average assets | 0.7800% | 2,323 |
| Noninterest expense to average assets | 3.5781% | 1,840 |
| Loan and lease loss provision to assets | 0.3380% | 3,901 |
| Net operating income to assets | 0.3250% | 5,070 |
| Return on assets (ROA) | 0.3347% | 5,198 |
| Pretax return on assets | 0.3234% | 5,438 |
| Return on Equity (ROE) | 2.5296% | 5,419 |
| Retained earnings to average equity (ytd only) | 1.5841% | 5,160 |
| Net charge-offs to loans | 0.9347% | 2,123 |
| Credit loss provision to net charge-offs | 67.5325% | 5,486 |
| Earnings coverage of net charge-offs (x) | 1.3019% | 4,774 |
| Efficiency ratio | 84.5947% | 1,772 |
| Assets per employee ($millions) | 2.5986% | 6,940 |
| Cash dividends to net income (ytd only)* | 37.3771% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 3,451 |
| Loan loss allowance to noncurrent loans | 92.0676% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 2.3614% | 3,016 |
| Noncurrent loans to loans | 1.7569% | 4,006 |
| Net loans and leases to total assets | 50.2163% | 6,302 |
| Net loans and leases to deposits | 57.9903% | 6,461 |
| Net loans and leases to core deposits | 60.5285% | 6,569 |
| Total domestic deposits to total assets | 86.5944% | 2,762 |
| Equity capital to assets | 13.0523% | 1,552 |
| Core capital (leverage) ratio | 12.5048% | 1,404 |
| Tier 1 risk-based capital ratio | 23.2033% | 1,038 |
| Total risk-based capital ratio | 24.4509% | 1,014 |
| Memoranda: | ||
| Average total assets | $82,052,000 | 5,597 |
| Average earning assets | $77,146,750 | 5,509 |
| Average equity | $10,857,750 | 4,959 |
| Average total loans | $43,935,500 | 5,830 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5565% | 6,572 |
| Cost of funding earning assets | 0.8876% | 6,633 |
| Net interest margin | 3.6689% | 4,508 |
| Noninterest income to average assets | 0.8167% | 2,033 |
| Noninterest expense to average assets | 3.6923% | 1,569 |
| Loan and lease loss provision to assets | 0.2598% | 4,335 |
| Net operating income to assets | 0.3390% | 5,030 |
| Return on assets (ROA) | 0.3539% | 5,118 |
| Pretax return on assets | 0.3267% | 5,426 |
| Return on Equity (ROE) | 2.6615% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.5075% | 5,119 |
| Net charge-offs to loans | 0.8047% | 2,237 |
| Credit loss provision to net charge-offs | 59.3220% | 5,221 |
| Earnings coverage of net charge-offs (x) | 1.3051% | 4,523 |
| Efficiency ratio | 86.5932% | 1,643 |
| Assets per employee ($millions) | 2.4417% | 7,176 |
| Cash dividends to net income (ytd only)* | 43.3566% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 3,058 |
| Loan loss allowance to noncurrent loans | 48.6772% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 3.3426% | 2,104 |
| Noncurrent loans to loans | 3.5008% | 2,259 |
| Net loans and leases to total assets | 51.1377% | 6,292 |
| Net loans and leases to deposits | 59.2189% | 6,481 |
| Net loans and leases to core deposits | 61.8989% | 6,563 |
| Total domestic deposits to total assets | 86.3537% | 2,902 |
| Equity capital to assets | 13.0874% | 1,534 |
| Core capital (leverage) ratio | 12.6367% | 1,351 |
| Tier 1 risk-based capital ratio | 23.3964% | 1,011 |
| Total risk-based capital ratio | 24.6443% | 986 |
| Memoranda: | ||
| Average total assets | $80,817,670 | 5,672 |
| Average earning assets | $75,935,000 | 5,580 |
| Average equity | $10,746,000 | 4,989 |
| Average total loans | $43,990,330 | 5,867 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 6,356 |
| Cost of funding earning assets | 0.9524% | 6,567 |
| Net interest margin | 3.7134% | 4,173 |
| Noninterest income to average assets | 0.8781% | 1,707 |
| Noninterest expense to average assets | 3.6981% | 1,525 |
| Loan and lease loss provision to assets | 0.2659% | 3,896 |
| Net operating income to assets | 0.3964% | 4,857 |
| Return on assets (ROA) | 0.4265% | 4,861 |
| Pretax return on assets | 0.4265% | 5,206 |
| Return on Equity (ROE) | 3.1816% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.0212% | 4,919 |
| Net charge-offs to loans | 0.2343% | 3,529 |
| Credit loss provision to net charge-offs | 203.8462% | 1,827 |
| Earnings coverage of net charge-offs (x) | 5.0769% | 2,475 |
| Efficiency ratio | 84.8101% | 1,930 |
| Assets per employee ($millions) | 2.3885% | 7,352 |
| Cash dividends to net income (ytd only)* | 36.4706% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 2,431 |
| Loan loss allowance to noncurrent loans | 39.5360% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 4.1670% | 1,632 |
| Noncurrent loans to loans | 4.8132% | 1,525 |
| Net loans and leases to total assets | 53.0033% | 6,151 |
| Net loans and leases to deposits | 61.4598% | 6,325 |
| Net loans and leases to core deposits | 64.0612% | 6,446 |
| Total domestic deposits to total assets | 86.2406% | 3,012 |
| Equity capital to assets | 13.2213% | 1,435 |
| Core capital (leverage) ratio | 13.1414% | 1,173 |
| Tier 1 risk-based capital ratio | 23.1025% | 1,054 |
| Total risk-based capital ratio | 24.3535% | 1,040 |
| Memoranda: | ||
| Average total assets | $79,717,000 | 5,777 |
| Average earning assets | $74,755,500 | 5,680 |
| Average equity | $10,686,500 | 5,049 |
| Average total loans | $44,390,500 | 5,920 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 6,307 |
| Cost of funding earning assets | 1.1804% | 6,729 |
| Net interest margin | 3.8592% | 3,442 |
| Noninterest income to average assets | 0.4816% | 4,552 |
| Noninterest expense to average assets | 3.9942% | 1,369 |
| Loan and lease loss provision to assets | 0.5956% | 3,411 |
| Net operating income to assets | -0.1359% | 5,734 |
| Return on assets (ROA) | -0.1359% | 5,732 |
| Pretax return on assets | -0.4933% | 6,006 |
| Return on Equity (ROE) | -0.9672% | 5,691 |
| Retained earnings to average equity (ytd only) | -1.6764% | 5,431 |
| Net charge-offs to loans | 0.8894% | 2,617 |
| Credit loss provision to net charge-offs | 115.8690% | 4,693 |
| Earnings coverage of net charge-offs (x) | 0.1990% | 5,942 |
| Efficiency ratio | 97.5032% | 1,240 |
| Assets per employee ($millions) | 2.2350% | 7,542 |
| Cash dividends to net income (ytd only)* | -73.3333% | 7,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 2,546 |
| Loan loss allowance to noncurrent loans | 55.1913% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 3.6421% | 1,825 |
| Noncurrent loans to loans | 3.2604% | 2,341 |
| Net loans and leases to total assets | 56.3689% | 5,900 |
| Net loans and leases to deposits | 65.6356% | 6,091 |
| Net loans and leases to core deposits | 73.2361% | 6,577 |
| Total domestic deposits to total assets | 85.8816% | 3,069 |
| Equity capital to assets | 13.5969% | 1,284 |
| Core capital (leverage) ratio | 13.3965% | 1,124 |
| Tier 1 risk-based capital ratio | 22.4264% | 1,105 |
| Total risk-based capital ratio | 23.6753% | 1,082 |
| Memoranda: | ||
| Average total assets | $77,237,000 | 5,802 |
| Average earning assets | $72,347,200 | 5,743 |
| Average equity | $10,856,400 | 5,059 |
| Average total loans | $44,637,400 | 5,898 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 6,427 |
| Cost of funding earning assets | 1.2314% | 6,798 |
| Net interest margin | 3.8255% | 3,550 |
| Noninterest income to average assets | 1.0287% | 1,496 |
| Noninterest expense to average assets | 3.9571% | 1,336 |
| Loan and lease loss provision to assets | 0.3464% | 4,250 |
| Net operating income to assets | 0.3845% | 4,456 |
| Return on assets (ROA) | 0.3845% | 4,563 |
| Pretax return on assets | 0.3082% | 5,041 |
| Return on Equity (ROE) | 2.7126% | 4,909 |
| Retained earnings to average equity (ytd only) | 2.1506% | 4,124 |
| Net charge-offs to loans | 0.2752% | 4,323 |
| Credit loss provision to net charge-offs | 217.3913% | 2,016 |
| Earnings coverage of net charge-offs (x) | 4.1088% | 3,260 |
| Efficiency ratio | 85.8055% | 2,083 |
| Assets per employee ($millions) | 2.1606% | 7,647 |
| Cash dividends to net income (ytd only)* | 20.7203% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 1,924 |
| Loan loss allowance to noncurrent loans | 153.1418% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 3.1645% | 2,151 |
| Noncurrent loans to loans | 1.2680% | 4,823 |
| Net loans and leases to total assets | 56.9611% | 6,036 |
| Net loans and leases to deposits | 67.4834% | 6,172 |
| Net loans and leases to core deposits | 75.8572% | 6,625 |
| Total domestic deposits to total assets | 84.4076% | 3,531 |
| Equity capital to assets | 14.8254% | 1,059 |
| Core capital (leverage) ratio | 13.7142% | 1,164 |
| Tier 1 risk-based capital ratio | 23.6134% | 1,042 |
| Total risk-based capital ratio | 24.8645% | 1,017 |
| Memoranda: | ||
| Average total assets | $76,990,250 | 5,846 |
| Average earning assets | $72,110,500 | 5,781 |
| Average equity | $10,911,500 | 5,089 |
| Average total loans | $44,571,250 | 5,942 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 6,726 |
| Cost of funding earning assets | 1.2724% | 6,892 |
| Net interest margin | 3.7401% | 3,793 |
| Noninterest income to average assets | 0.7747% | 2,555 |
| Noninterest expense to average assets | 3.9046% | 1,478 |
| Loan and lease loss provision to assets | 0.4390% | 3,357 |
| Net operating income to assets | 0.1549% | 5,405 |
| Return on assets (ROA) | 0.1549% | 5,500 |
| Pretax return on assets | -0.0620% | 5,952 |
| Return on Equity (ROE) | 1.1099% | 5,605 |
| Retained earnings to average equity (ytd only) | 0.8324% | 4,854 |
| Net charge-offs to loans | 0.2590% | 3,895 |
| Credit loss provision to net charge-offs | 293.1034% | 1,594 |
| Earnings coverage of net charge-offs (x) | 2.5172% | 3,808 |
| Efficiency ratio | 91.1942% | 1,710 |
| Assets per employee ($millions) | 2.2301% | 7,643 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9514% | 1,669 |
| Loan loss allowance to noncurrent loans | 43.6577% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 3.9653% | 1,508 |
| Noncurrent loans to loans | 4.4697% | 1,444 |
| Net loans and leases to total assets | 55.1696% | 6,322 |
| Net loans and leases to deposits | 64.5728% | 6,510 |
| Net loans and leases to core deposits | 72.2258% | 6,883 |
| Total domestic deposits to total assets | 85.4379% | 3,045 |
| Equity capital to assets | 13.8280% | 1,376 |
| Core capital (leverage) ratio | 13.5514% | 1,255 |
| Tier 1 risk-based capital ratio | 23.5587% | 1,079 |
| Total risk-based capital ratio | 24.8092% | 1,060 |
| Memoranda: | ||
| Average total assets | $77,447,000 | 5,881 |
| Average earning assets | $72,618,330 | 5,804 |
| Average equity | $10,811,670 | 5,132 |
| Average total loans | $44,786,000 | 5,990 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 6,892 |
| Cost of funding earning assets | 1.3452% | 6,889 |
| Net interest margin | 3.6702% | 4,016 |
| Noninterest income to average assets | 0.7207% | 2,760 |
| Noninterest expense to average assets | 4.0236% | 1,159 |
| Loan and lease loss provision to assets | 0.7259% | 1,767 |
| Net operating income to assets | -0.1815% | 6,528 |
| Return on assets (ROA) | -0.1815% | 6,616 |
| Pretax return on assets | -0.5911% | 6,896 |
| Return on Equity (ROE) | -1.2938% | 6,586 |
| Retained earnings to average equity (ytd only) | -1.2938% | 5,958 |
| Net charge-offs to loans | 0.0619% | 4,587 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 3,091 |
| Efficiency ratio | 96.7581% | 1,280 |
| Assets per employee ($millions) | 2.1622% | 7,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9861% | 1,448 |
| Loan loss allowance to noncurrent loans | 39.7285% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 4.4386% | 1,093 |
| Noncurrent loans to loans | 4.9991% | 1,085 |
| Net loans and leases to total assets | 55.6662% | 6,289 |
| Net loans and leases to deposits | 65.1804% | 6,448 |
| Net loans and leases to core deposits | 73.3226% | 6,847 |
| Total domestic deposits to total assets | 85.4032% | 3,014 |
| Equity capital to assets | 13.9095% | 1,387 |
| Core capital (leverage) ratio | 13.6368% | 1,283 |
| Tier 1 risk-based capital ratio | 23.2221% | 1,166 |
| Total risk-based capital ratio | 24.4729% | 1,144 |
| Memoranda: | ||
| Average total assets | $77,144,500 | 5,910 |
| Average earning assets | $72,258,500 | 5,836 |
| Average equity | $10,821,000 | 5,156 |
| Average total loans | $45,220,000 | 6,001 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7095% | 6,747 |
| Cost of funding earning assets | 1.6479% | 7,357 |
| Net interest margin | 4.0616% | 2,862 |
| Noninterest income to average assets | 0.8627% | 2,150 |
| Noninterest expense to average assets | 3.9265% | 1,521 |
| Loan and lease loss provision to assets | 0.4826% | 2,888 |
| Net operating income to assets | 0.4354% | 5,008 |
| Return on assets (ROA) | 0.4354% | 4,831 |
| Pretax return on assets | 0.2642% | 5,590 |
| Return on Equity (ROE) | 3.0879% | 5,202 |
| Retained earnings to average equity (ytd only) | 2.2084% | 3,837 |
| Net charge-offs to loans | 0.7639% | 1,622 |
| Credit loss provision to net charge-offs | 96.2366% | 5,502 |
| Earnings coverage of net charge-offs (x) | 1.4892% | 5,358 |
| Efficiency ratio | 84.0208% | 2,052 |
| Assets per employee ($millions) | 2.0662% | 7,854 |
| Cash dividends to net income (ytd only)* | 28.4830% | 4,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 2,193 |
| Loan loss allowance to noncurrent loans | 34.6673% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 3.9307% | 1,062 |
| Noncurrent loans to loans | 4.6483% | 1,014 |
| Net loans and leases to total assets | 59.4990% | 5,984 |
| Net loans and leases to deposits | 69.8489% | 6,286 |
| Net loans and leases to core deposits | 78.8993% | 6,695 |
| Total domestic deposits to total assets | 85.1825% | 2,760 |
| Equity capital to assets | 14.1465% | 1,389 |
| Core capital (leverage) ratio | 13.9401% | 1,268 |
| Tier 1 risk-based capital ratio | 22.0715% | 1,308 |
| Total risk-based capital ratio | 23.3191% | 1,275 |
| Memoranda: | ||
| Average total assets | $74,188,800 | 5,909 |
| Average earning assets | $69,603,000 | 5,835 |
| Average equity | $10,460,200 | 5,278 |
| Average total loans | $48,699,000 | 5,748 |