Home > Metropolitan Bank > Performance and Condition Ratios
Metropolitan 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 | 6.1474% | 531 |
| Cost of funding earning assets | 2.2894% | 554 |
| Net interest margin | 3.8580% | 1,459 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.6227% | 1,946 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7875% | 2,909 |
| Return on assets (ROA) | 0.7875% | 2,890 |
| Pretax return on assets | 1.1165% | 2,363 |
| Return on Equity (ROE) | 6.6600% | 3,377 |
| Retained earnings to average equity (ytd only) | 4.3877% | 2,833 |
| Net charge-offs to loans | 0.0306% | 1,690 |
| Credit loss provision to net charge-offs | 182.1429% | 1,297 |
| Earnings coverage of net charge-offs (x) | 46.4286% | 1,339 |
| Efficiency ratio | 69.2962% | 1,979 |
| Assets per employee ($millions) | 5.0543% | 3,599 |
| Cash dividends to net income (ytd only)* | 34.1090% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 919 |
| Loan loss allowance to noncurrent loans | 181.0999% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 730 |
| Noncurrent loans to loans | 0.8605% | 886 |
| Net loans and leases to total assets | 81.3800% | 487 |
| Net loans and leases to deposits | 98.9821% | 598 |
| Net loans and leases to core deposits | 116.9486% | 720 |
| Total domestic deposits to total assets | 82.2100% | 3,088 |
| Equity capital to assets | 12.0928% | 1,099 |
| Core capital (leverage) ratio | 12.0770% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $223,739,000 | 2,825 |
| Average earning assets | $215,344,400 | 2,769 |
| Average equity | $26,460,400 | 2,437 |
| Average total loans | $183,251,000 | 2,418 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0621% | 493 |
| Cost of funding earning assets | 2.0621% | 633 |
| Net interest margin | 4.0000% | 1,215 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 2.5741% | 2,020 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9229% | 2,608 |
| Return on assets (ROA) | 0.9229% | 2,591 |
| Pretax return on assets | 1.3079% | 2,020 |
| Return on Equity (ROE) | 7.8500% | 3,221 |
| Retained earnings to average equity (ytd only) | 5.1860% | 2,874 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.5355% | 2,327 |
| Assets per employee ($millions) | 5.3457% | 3,307 |
| Cash dividends to net income (ytd only)* | 33.9136% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 944 |
| Loan loss allowance to noncurrent loans | 5,171.4286% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,565 |
| Noncurrent loans to loans | 0.0303% | 3,553 |
| Net loans and leases to total assets | 80.9000% | 554 |
| Net loans and leases to deposits | 98.1922% | 606 |
| Net loans and leases to core deposits | 115.0155% | 692 |
| Total domestic deposits to total assets | 82.3900% | 3,143 |
| Equity capital to assets | 11.9107% | 1,060 |
| Core capital (leverage) ratio | 12.0686% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $224,076,500 | 2,835 |
| Average earning assets | $215,693,750 | 2,781 |
| Average equity | $26,352,250 | 2,430 |
| Average total loans | $183,104,750 | 2,415 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9518% | 469 |
| Cost of funding earning assets | 1.8637% | 656 |
| Net interest margin | 4.0881% | 1,101 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 2.5642% | 2,020 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9910% | 2,448 |
| Return on assets (ROA) | 0.9910% | 2,437 |
| Pretax return on assets | 1.4071% | 1,798 |
| Return on Equity (ROE) | 8.4700% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.2687% | 2,202 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.8364% | 2,504 |
| Assets per employee ($millions) | 5.0971% | 3,508 |
| Cash dividends to net income (ytd only)* | 14.1441% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 971 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 81.6600% | 460 |
| Net loans and leases to deposits | 99.6365% | 529 |
| Net loans and leases to core deposits | 119.5438% | 527 |
| Total domestic deposits to total assets | 81.9600% | 3,238 |
| Equity capital to assets | 12.1725% | 1,001 |
| Core capital (leverage) ratio | 12.0684% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $224,011,000 | 2,841 |
| Average earning assets | $215,700,333 | 2,788 |
| Average equity | $26,222,000 | 2,450 |
| Average total loans | $182,628,667 | 2,415 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8341% | 398 |
| Cost of funding earning assets | 1.6632% | 620 |
| Net interest margin | 4.1708% | 993 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.6304% | 1,871 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0211% | 2,463 |
| Return on assets (ROA) | 1.0211% | 2,428 |
| Pretax return on assets | 1.4415% | 1,786 |
| Return on Equity (ROE) | 8.8900% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.5865% | 2,344 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.8782% | 2,477 |
| Assets per employee ($millions) | 5.3445% | 3,367 |
| Cash dividends to net income (ytd only)* | 14.7059% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,097 |
| 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 | 80.1000% | 532 |
| Net loans and leases to deposits | 98.2176% | 526 |
| Net loans and leases to core deposits | 117.4002% | 504 |
| Total domestic deposits to total assets | 81.5600% | 3,550 |
| Equity capital to assets | 11.6947% | 1,093 |
| Core capital (leverage) ratio | 11.6114% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $226,429,000 | 2,862 |
| Average earning assets | $218,373,000 | 2,806 |
| Average equity | $25,993,500 | 2,486 |
| Average total loans | $183,020,500 | 2,433 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 396 |
| Cost of funding earning assets | 0.6273% | 797 |
| Net interest margin | 4.2188% | 508 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 2.6306% | 1,730 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0601% | 2,336 |
| Return on assets (ROA) | 1.0601% | 2,280 |
| Pretax return on assets | 1.5055% | 1,438 |
| Return on Equity (ROE) | 9.3800% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.8824% | 1,882 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.9094% | 2,639 |
| Assets per employee ($millions) | 5.4081% | 3,306 |
| Cash dividends to net income (ytd only)* | 16.0086% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 1,100 |
| 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 | 79.5000% | 652 |
| Net loans and leases to deposits | 97.4463% | 557 |
| Net loans and leases to core deposits | 114.5177% | 473 |
| Total domestic deposits to total assets | 81.5800% | 3,680 |
| Equity capital to assets | 11.3577% | 1,124 |
| Core capital (leverage) ratio | 11.5521% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $219,794,200 | 2,903 |
| Average earning assets | $213,782,400 | 2,839 |
| Average equity | $24,827,400 | 2,594 |
| Average total loans | $178,314,800 | 2,390 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 458 |
| Cost of funding earning assets | 0.4360% | 1,060 |
| Net interest margin | 4.1238% | 489 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 2.5564% | 1,839 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0332% | 2,349 |
| Return on assets (ROA) | 1.0332% | 2,317 |
| Pretax return on assets | 1.4675% | 1,504 |
| Return on Equity (ROE) | 9.1600% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.7878% | 2,089 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7949% | 2,713 |
| Assets per employee ($millions) | 4.8863% | 3,775 |
| Cash dividends to net income (ytd only)* | 14.9793% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 1,243 |
| 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 | 82.4100% | 358 |
| Net loans and leases to deposits | 102.4122% | 287 |
| Net loans and leases to core deposits | 118.5229% | 289 |
| Total domestic deposits to total assets | 80.4700% | 4,057 |
| Equity capital to assets | 11.4937% | 1,016 |
| Core capital (leverage) ratio | 11.3780% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $217,957,500 | 2,942 |
| Average earning assets | $212,227,000 | 2,865 |
| Average equity | $24,584,750 | 2,645 |
| Average total loans | $177,046,750 | 2,399 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 517 |
| Cost of funding earning assets | 0.3330% | 1,413 |
| Net interest margin | 3.9835% | 514 |
| Noninterest income to average assets | 0.0460% | 4,638 |
| Noninterest expense to average assets | 2.4922% | 1,955 |
| Loan and lease loss provision to assets | 0.0469% | 1,726 |
| Net operating income to assets | 0.9811% | 2,228 |
| Return on assets (ROA) | 0.9811% | 2,203 |
| Pretax return on assets | 1.3934% | 1,457 |
| Return on Equity (ROE) | 8.7537% | 2,772 |
| Retained earnings to average equity (ytd only) | 7.4398% | 1,835 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3747% | 2,852 |
| Assets per employee ($millions) | 5.1212% | 3,578 |
| Cash dividends to net income (ytd only)* | 15.0094% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 1,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.6119% | 768 |
| Net loans and leases to deposits | 91.8924% | 614 |
| Net loans and leases to core deposits | 103.5212% | 531 |
| Total domestic deposits to total assets | 82.2832% | 3,971 |
| Equity capital to assets | 10.7497% | 1,338 |
| Core capital (leverage) ratio | 11.1963% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,315,000 | 2,971 |
| Average earning assets | $212,026,333 | 2,902 |
| Average equity | $24,355,333 | 2,720 |
| Average total loans | $174,730,667 | 2,423 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 477 |
| Cost of funding earning assets | 0.3247% | 1,417 |
| Net interest margin | 3.9349% | 464 |
| Noninterest income to average assets | 0.0437% | 4,671 |
| Noninterest expense to average assets | 2.4010% | 2,158 |
| Loan and lease loss provision to assets | 0.0493% | 1,487 |
| Net operating income to assets | 1.0097% | 1,839 |
| Return on assets (ROA) | 1.0097% | 1,834 |
| Pretax return on assets | 1.4349% | 1,163 |
| Return on Equity (ROE) | 8.8129% | 2,389 |
| Retained earnings to average equity (ytd only) | 7.4876% | 1,733 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7978% | 3,289 |
| Assets per employee ($millions) | 4.6692% | 4,022 |
| Cash dividends to net income (ytd only)* | 15.0376% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 1,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 81.9124% | 169 |
| Net loans and leases to deposits | 101.3306% | 151 |
| Net loans and leases to core deposits | 116.4383% | 171 |
| Total domestic deposits to total assets | 80.8368% | 4,217 |
| Equity capital to assets | 11.5917% | 1,097 |
| Core capital (leverage) ratio | 11.4473% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,746,000 | 3,034 |
| Average earning assets | $205,751,000 | 2,959 |
| Average equity | $24,146,500 | 2,830 |
| Average total loans | $173,586,000 | 2,428 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5908% | 514 |
| Cost of funding earning assets | 0.4453% | 1,239 |
| Net interest margin | 4.1455% | 541 |
| Noninterest income to average assets | 0.0639% | 4,694 |
| Noninterest expense to average assets | 2.6346% | 1,792 |
| Loan and lease loss provision to assets | 0.0491% | 2,074 |
| Net operating income to assets | 0.9996% | 2,667 |
| Return on assets (ROA) | 0.9996% | 2,736 |
| Pretax return on assets | 1.4197% | 1,983 |
| Return on Equity (ROE) | 8.8336% | 2,975 |
| Retained earnings to average equity (ytd only) | 7.4221% | 1,754 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2036% | 2,529 |
| Assets per employee ($millions) | 4.5951% | 4,043 |
| Cash dividends to net income (ytd only)* | 15.9784% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 1,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 80.2347% | 257 |
| Net loans and leases to deposits | 99.0955% | 214 |
| Net loans and leases to core deposits | 113.9642% | 230 |
| Total domestic deposits to total assets | 80.9671% | 4,110 |
| Equity capital to assets | 11.3244% | 1,590 |
| Core capital (leverage) ratio | 11.5449% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,487,400 | 3,037 |
| Average earning assets | $198,287,400 | 2,967 |
| Average equity | $23,025,800 | 2,984 |
| Average total loans | $167,690,200 | 2,487 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 649 |
| Cost of funding earning assets | 0.4884% | 1,111 |
| Net interest margin | 4.0338% | 741 |
| Noninterest income to average assets | 0.0681% | 4,758 |
| Noninterest expense to average assets | 2.6929% | 1,610 |
| Loan and lease loss provision to assets | 0.0263% | 2,473 |
| Net operating income to assets | 0.8992% | 3,252 |
| Return on assets (ROA) | 0.8992% | 3,325 |
| Pretax return on assets | 1.2776% | 2,679 |
| Return on Equity (ROE) | 7.9479% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.6437% | 2,561 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3730% | 1,919 |
| Assets per employee ($millions) | 4.9151% | 3,780 |
| Cash dividends to net income (ytd only)* | 16.4091% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 84.4795% | 104 |
| Net loans and leases to deposits | 103.2699% | 165 |
| Net loans and leases to core deposits | 116.2586% | 223 |
| Total domestic deposits to total assets | 81.8045% | 3,960 |
| Equity capital to assets | 11.3265% | 1,786 |
| Core capital (leverage) ratio | 11.1848% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,515,250 | 3,088 |
| Average earning assets | $196,270,750 | 3,020 |
| Average equity | $22,798,000 | 3,035 |
| Average total loans | $166,533,750 | 2,537 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 756 |
| Cost of funding earning assets | 0.5241% | 1,071 |
| Net interest margin | 3.9512% | 889 |
| Noninterest income to average assets | 0.0700% | 4,786 |
| Noninterest expense to average assets | 2.6617% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8816% | 3,271 |
| Return on assets (ROA) | 0.8816% | 3,348 |
| Pretax return on assets | 1.2558% | 2,748 |
| Return on Equity (ROE) | 7.7953% | 3,458 |
| Retained earnings to average equity (ytd only) | 6.6185% | 2,576 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9438% | 1,885 |
| Assets per employee ($millions) | 4.7724% | 3,862 |
| Cash dividends to net income (ytd only)* | 15.0965% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 79.0329% | 375 |
| Net loans and leases to deposits | 95.9372% | 385 |
| Net loans and leases to core deposits | 107.5596% | 426 |
| Total domestic deposits to total assets | 82.3798% | 3,845 |
| Equity capital to assets | 10.9550% | 2,015 |
| Core capital (leverage) ratio | 11.2106% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,875,000 | 3,100 |
| Average earning assets | $194,624,333 | 3,026 |
| Average equity | $22,603,333 | 3,044 |
| Average total loans | $163,026,667 | 2,573 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 725 |
| Cost of funding earning assets | 0.5570% | 1,065 |
| Net interest margin | 3.9936% | 850 |
| Noninterest income to average assets | 0.0349% | 4,880 |
| Noninterest expense to average assets | 2.7656% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8131% | 3,380 |
| Return on assets (ROA) | 0.8131% | 3,453 |
| Pretax return on assets | 1.1559% | 2,966 |
| Return on Equity (ROE) | 7.0705% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.9992% | 2,900 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5236% | 1,644 |
| Assets per employee ($millions) | 4.4141% | 4,181 |
| Cash dividends to net income (ytd only)* | 15.1515% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 80.4883% | 311 |
| Net loans and leases to deposits | 98.6712% | 324 |
| Net loans and leases to core deposits | 108.3977% | 452 |
| Total domestic deposits to total assets | 81.5722% | 3,976 |
| Equity capital to assets | 11.3620% | 1,623 |
| Core capital (leverage) ratio | 11.8607% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,819,500 | 3,125 |
| Average earning assets | $189,603,500 | 3,056 |
| Average equity | $22,403,000 | 3,052 |
| Average total loans | $160,251,500 | 2,603 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 967 |
| Cost of funding earning assets | 0.9827% | 632 |
| Net interest margin | 3.6764% | 1,884 |
| Noninterest income to average assets | 0.0907% | 4,768 |
| Noninterest expense to average assets | 2.6498% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7005% | 3,432 |
| Return on assets (ROA) | 0.7005% | 3,568 |
| Pretax return on assets | 1.0214% | 2,971 |
| Return on Equity (ROE) | 5.7095% | 3,681 |
| Retained earnings to average equity (ytd only) | -1.2135% | 4,653 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1790% | 1,658 |
| Assets per employee ($millions) | 4.7751% | 3,633 |
| Cash dividends to net income (ytd only)* | 121.2549% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 1,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 81.3527% | 335 |
| Net loans and leases to deposits | 100.7652% | 342 |
| Net loans and leases to core deposits | 109.2137% | 534 |
| Total domestic deposits to total assets | 80.7350% | 3,920 |
| Equity capital to assets | 11.6422% | 1,777 |
| Core capital (leverage) ratio | 11.6517% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,012,600 | 3,086 |
| Average earning assets | $177,265,600 | 3,018 |
| Average equity | $22,331,200 | 2,983 |
| Average total loans | $145,217,400 | 2,704 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6005% | 1,305 |
| Cost of funding earning assets | 1.0768% | 581 |
| Net interest margin | 3.5237% | 2,508 |
| Noninterest income to average assets | 0.1120% | 4,718 |
| Noninterest expense to average assets | 2.5870% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5763% | 3,843 |
| Return on assets (ROA) | 0.5763% | 3,936 |
| Pretax return on assets | 0.9568% | 3,207 |
| Return on Equity (ROE) | 4.6342% | 3,988 |
| Retained earnings to average equity (ytd only) | -0.1431% | 4,497 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0013% | 1,525 |
| Assets per employee ($millions) | 4.5818% | 3,742 |
| Cash dividends to net income (ytd only)* | 103.0888% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 77.0029% | 965 |
| Net loans and leases to deposits | 95.4068% | 806 |
| Net loans and leases to core deposits | 103.1541% | 975 |
| Total domestic deposits to total assets | 80.7100% | 3,721 |
| Equity capital to assets | 11.9577% | 1,702 |
| Core capital (leverage) ratio | 12.3951% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,764,750 | 3,091 |
| Average earning assets | $175,079,000 | 3,025 |
| Average equity | $22,354,750 | 2,981 |
| Average total loans | $142,020,250 | 2,734 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,414 |
| Cost of funding earning assets | 1.1812% | 538 |
| Net interest margin | 3.5168% | 2,735 |
| Noninterest income to average assets | 0.1536% | 4,528 |
| Noninterest expense to average assets | 2.6351% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6032% | 3,727 |
| Return on assets (ROA) | 0.6032% | 3,805 |
| Pretax return on assets | 0.9420% | 3,203 |
| Return on Equity (ROE) | 4.7852% | 3,890 |
| Retained earnings to average equity (ytd only) | -2.0611% | 4,594 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6659% | 1,497 |
| Assets per employee ($millions) | 4.5206% | 3,758 |
| Cash dividends to net income (ytd only)* | 143.0712% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 78.5172% | 784 |
| Net loans and leases to deposits | 98.6207% | 624 |
| Net loans and leases to core deposits | 106.5986% | 870 |
| Total domestic deposits to total assets | 79.6153% | 3,912 |
| Equity capital to assets | 12.6208% | 1,328 |
| Core capital (leverage) ratio | 12.8896% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,068,333 | 3,098 |
| Average earning assets | $172,372,333 | 3,031 |
| Average equity | $22,318,667 | 2,978 |
| Average total loans | $140,269,667 | 2,744 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 1,328 |
| Cost of funding earning assets | 1.3475% | 488 |
| Net interest margin | 3.4938% | 3,003 |
| Noninterest income to average assets | 0.2728% | 3,898 |
| Noninterest expense to average assets | 2.7027% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6560% | 3,431 |
| Return on assets (ROA) | 0.6560% | 3,487 |
| Pretax return on assets | 0.9715% | 2,927 |
| Return on Equity (ROE) | 5.2075% | 3,566 |
| Retained earnings to average equity (ytd only) | -4.3127% | 4,464 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5583% | 1,878 |
| Assets per employee ($millions) | 4.1300% | 3,750 |
| Cash dividends to net income (ytd only)* | 182.8179% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.0164% | 558 |
| Net loans and leases to deposits | 98.7346% | 642 |
| Net loans and leases to core deposits | 107.3920% | 971 |
| Total domestic deposits to total assets | 82.0547% | 3,408 |
| Equity capital to assets | 12.8128% | 1,541 |
| Core capital (leverage) ratio | 12.5417% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,450,500 | 3,063 |
| Average earning assets | $172,762,500 | 2,984 |
| Average equity | $22,352,500 | 2,971 |
| Average total loans | $139,880,500 | 2,727 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4226% | 641 |
| Cost of funding earning assets | 1.4634% | 438 |
| Net interest margin | 3.9592% | 1,976 |
| Noninterest income to average assets | 0.8009% | 1,452 |
| Noninterest expense to average assets | 2.6054% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4444% | 1,205 |
| Return on assets (ROA) | 1.4444% | 1,272 |
| Pretax return on assets | 2.0523% | 528 |
| Return on Equity (ROE) | 12.2927% | 1,400 |
| Retained earnings to average equity (ytd only) | 10.4497% | 410 |
| Net charge-offs to loans | -0.1936% | 5,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9377% | 4,209 |
| Assets per employee ($millions) | 4.4254% | 3,339 |
| Cash dividends to net income (ytd only)* | 14.9923% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9171% | 532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 2,288 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.8488% | 1,779 |
| Net loans and leases to deposits | 89.0904% | 1,686 |
| Net loans and leases to core deposits | 95.6648% | 1,926 |
| Total domestic deposits to total assets | 82.8920% | 3,237 |
| Equity capital to assets | 12.3897% | 1,891 |
| Core capital (leverage) ratio | 12.4718% | 1,502 |
| Tier 1 risk-based capital ratio | 18.9946% | 1,516 |
| Total risk-based capital ratio | 20.2566% | 1,484 |
| Memoranda: | ||
| Average total assets | $179,169,200 | 3,029 |
| Average earning assets | $174,529,200 | 2,936 |
| Average equity | $21,053,200 | 3,035 |
| Average total loans | $138,402,800 | 2,745 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3980% | 700 |
| Cost of funding earning assets | 1.4632% | 464 |
| Net interest margin | 3.9348% | 2,148 |
| Noninterest income to average assets | 0.0440% | 5,126 |
| Noninterest expense to average assets | 2.5150% | 3,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9615% | 3,116 |
| Return on assets (ROA) | 0.9615% | 3,198 |
| Pretax return on assets | 1.3654% | 2,439 |
| Return on Equity (ROE) | 8.2975% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.0541% | 1,836 |
| Net charge-offs to loans | -0.0989% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8134% | 2,891 |
| Assets per employee ($millions) | 4.4943% | 3,216 |
| Cash dividends to net income (ytd only)* | 14.9847% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 669 |
| Loan loss allowance to noncurrent loans | 1,053.2189% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 4,077 |
| Noncurrent loans to loans | 0.1714% | 3,924 |
| Net loans and leases to total assets | 74.2452% | 1,767 |
| Net loans and leases to deposits | 88.6698% | 1,845 |
| Net loans and leases to core deposits | 95.3487% | 2,047 |
| Total domestic deposits to total assets | 83.7322% | 2,921 |
| Equity capital to assets | 11.8706% | 2,360 |
| Core capital (leverage) ratio | 12.0089% | 1,843 |
| Tier 1 risk-based capital ratio | 18.1706% | 1,770 |
| Total risk-based capital ratio | 19.4309% | 1,727 |
| Memoranda: | ||
| Average total assets | $178,601,250 | 3,060 |
| Average earning assets | $174,133,500 | 2,969 |
| Average equity | $20,696,500 | 3,090 |
| Average total loans | $138,850,750 | 2,765 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3418% | 746 |
| Cost of funding earning assets | 1.4368% | 473 |
| Net interest margin | 3.9050% | 2,228 |
| Noninterest income to average assets | 0.0460% | 5,177 |
| Noninterest expense to average assets | 2.5408% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9236% | 3,196 |
| Return on assets (ROA) | 0.9236% | 3,254 |
| Pretax return on assets | 1.3119% | 2,518 |
| Return on Equity (ROE) | 8.0363% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.8255% | 1,889 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9482% | 2,811 |
| Assets per employee ($millions) | 4.3648% | 3,336 |
| Cash dividends to net income (ytd only)* | 15.0668% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 896 |
| Loan loss allowance to noncurrent loans | 204.4348% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 2,115 |
| Noncurrent loans to loans | 0.8119% | 1,968 |
| Net loans and leases to total assets | 77.8371% | 1,250 |
| Net loans and leases to deposits | 92.6619% | 1,417 |
| Net loans and leases to core deposits | 100.5072% | 1,677 |
| Total domestic deposits to total assets | 84.0012% | 2,862 |
| Equity capital to assets | 11.6928% | 2,453 |
| Core capital (leverage) ratio | 11.7987% | 1,948 |
| Tier 1 risk-based capital ratio | 17.4689% | 1,951 |
| Total risk-based capital ratio | 18.7274% | 1,908 |
| Memoranda: | ||
| Average total assets | $178,211,000 | 3,075 |
| Average earning assets | $173,725,330 | 2,987 |
| Average equity | $20,482,000 | 3,104 |
| Average total loans | $139,825,670 | 2,770 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4276% | 594 |
| Cost of funding earning assets | 1.3875% | 479 |
| Net interest margin | 4.0401% | 1,711 |
| Noninterest income to average assets | 0.0495% | 5,215 |
| Noninterest expense to average assets | 2.5844% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9964% | 2,859 |
| Return on assets (ROA) | 0.9964% | 2,896 |
| Pretax return on assets | 1.4013% | 2,078 |
| Return on Equity (ROE) | 8.7461% | 2,924 |
| Retained earnings to average equity (ytd only) | 7.4431% | 1,870 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8420% | 3,109 |
| Assets per employee ($millions) | 4.2729% | 3,524 |
| Cash dividends to net income (ytd only)* | 14.8984% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 826 |
| Loan loss allowance to noncurrent loans | 204.4348% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 2,163 |
| Noncurrent loans to loans | 0.8401% | 1,955 |
| Net loans and leases to total assets | 74.9638% | 1,646 |
| Net loans and leases to deposits | 88.3763% | 1,825 |
| Net loans and leases to core deposits | 94.7141% | 2,059 |
| Total domestic deposits to total assets | 84.8234% | 2,740 |
| Equity capital to assets | 11.4215% | 2,473 |
| Core capital (leverage) ratio | 11.5821% | 2,074 |
| Tier 1 risk-based capital ratio | 17.8654% | 1,827 |
| Total risk-based capital ratio | 19.1249% | 1,785 |
| Memoranda: | ||
| Average total assets | $177,838,000 | 3,110 |
| Average earning assets | $173,262,500 | 3,022 |
| Average equity | $20,260,500 | 3,133 |
| Average total loans | $138,915,500 | 2,806 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 525 |
| Cost of funding earning assets | 1.0593% | 581 |
| Net interest margin | 4.3001% | 1,156 |
| Noninterest income to average assets | 0.0461% | 5,280 |
| Noninterest expense to average assets | 2.6522% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4225% | 1,354 |
| Return on assets (ROA) | 1.4225% | 1,356 |
| Pretax return on assets | 1.5915% | 1,497 |
| Return on Equity (ROE) | 12.7295% | 1,454 |
| Retained earnings to average equity (ytd only) | 10.3645% | 554 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4965% | 3,436 |
| Assets per employee ($millions) | 4.2980% | 3,465 |
| Cash dividends to net income (ytd only)* | 18.5786% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 884 |
| Loan loss allowance to noncurrent loans | 138.0505% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 1,414 |
| Noncurrent loans to loans | 1.2082% | 1,324 |
| Net loans and leases to total assets | 78.6529% | 1,160 |
| Net loans and leases to deposits | 93.5096% | 1,334 |
| Net loans and leases to core deposits | 99.3242% | 1,774 |
| Total domestic deposits to total assets | 84.1121% | 2,966 |
| Equity capital to assets | 11.3633% | 2,356 |
| Core capital (leverage) ratio | 11.7679% | 1,900 |
| Tier 1 risk-based capital ratio | 16.8778% | 2,106 |
| Total risk-based capital ratio | 18.1364% | 2,050 |
| Memoranda: | ||
| Average total assets | $169,144,000 | 3,182 |
| Average earning assets | $165,112,600 | 3,079 |
| Average equity | $18,901,000 | 3,192 |
| Average total loans | $133,051,600 | 2,847 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 517 |
| Cost of funding earning assets | 0.9578% | 721 |
| Net interest margin | 4.3494% | 1,012 |
| Noninterest income to average assets | 0.0438% | 5,354 |
| Noninterest expense to average assets | 2.6399% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1184% | 2,585 |
| Return on assets (ROA) | 1.1184% | 2,600 |
| Pretax return on assets | 1.6545% | 1,398 |
| Return on Equity (ROE) | 10.0533% | 2,597 |
| Retained earnings to average equity (ytd only) | 7.7691% | 1,758 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4728% | 3,584 |
| Assets per employee ($millions) | 4.2645% | 3,485 |
| Cash dividends to net income (ytd only)* | 22.7207% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 857 |
| Loan loss allowance to noncurrent loans | 333.4752% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 3,036 |
| Noncurrent loans to loans | 0.5111% | 2,853 |
| Net loans and leases to total assets | 79.4805% | 1,092 |
| Net loans and leases to deposits | 94.3886% | 1,336 |
| Net loans and leases to core deposits | 100.4594% | 1,744 |
| Total domestic deposits to total assets | 84.2056% | 2,872 |
| Equity capital to assets | 11.1848% | 2,492 |
| Core capital (leverage) ratio | 11.5937% | 2,093 |
| Tier 1 risk-based capital ratio | 16.9236% | 2,129 |
| Total risk-based capital ratio | 18.1840% | 2,082 |
| Memoranda: | ||
| Average total assets | $167,376,000 | 3,222 |
| Average earning assets | $163,573,750 | 3,120 |
| Average equity | $18,620,250 | 3,245 |
| Average total loans | $131,077,000 | 2,887 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3787% | 408 |
| Cost of funding earning assets | 0.8665% | 845 |
| Net interest margin | 4.5122% | 683 |
| Noninterest income to average assets | 0.0433% | 5,420 |
| Noninterest expense to average assets | 2.6974% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1773% | 2,290 |
| Return on assets (ROA) | 1.1773% | 2,292 |
| Pretax return on assets | 1.7546% | 1,083 |
| Return on Equity (ROE) | 10.6025% | 2,279 |
| Retained earnings to average equity (ytd only) | 8.1441% | 1,561 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5889% | 3,839 |
| Assets per employee ($millions) | 4.0415% | 3,828 |
| Cash dividends to net income (ytd only)* | 23.1869% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 733 |
| Loan loss allowance to noncurrent loans | 660.3933% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 3,919 |
| Noncurrent loans to loans | 0.2750% | 3,727 |
| Net loans and leases to total assets | 76.7174% | 1,527 |
| Net loans and leases to deposits | 90.0203% | 1,839 |
| Net loans and leases to core deposits | 95.5668% | 2,098 |
| Total domestic deposits to total assets | 85.2224% | 2,592 |
| Equity capital to assets | 11.3305% | 2,333 |
| Core capital (leverage) ratio | 11.6488% | 1,945 |
| Tier 1 risk-based capital ratio | 17.3521% | 1,984 |
| Total risk-based capital ratio | 18.6134% | 1,932 |
| Memoranda: | ||
| Average total assets | $166,308,330 | 3,249 |
| Average earning assets | $162,492,000 | 3,154 |
| Average equity | $18,467,330 | 3,280 |
| Average total loans | $128,793,330 | 2,924 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8217% | 174 |
| Cost of funding earning assets | 0.8208% | 869 |
| Net interest margin | 5.0009% | 228 |
| Noninterest income to average assets | 0.0408% | 5,494 |
| Noninterest expense to average assets | 2.7572% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5804% | 899 |
| Return on assets (ROA) | 1.5804% | 905 |
| Pretax return on assets | 2.1712% | 401 |
| Return on Equity (ROE) | 14.4239% | 922 |
| Retained earnings to average equity (ytd only) | 11.0481% | 885 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9454% | 4,589 |
| Assets per employee ($millions) | 4.0931% | 3,814 |
| Cash dividends to net income (ytd only)* | 23.4043% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 725 |
| Loan loss allowance to noncurrent loans | 660.3933% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 4,032 |
| Noncurrent loans to loans | 0.2778% | 3,776 |
| Net loans and leases to total assets | 74.9574% | 1,711 |
| Net loans and leases to deposits | 88.2262% | 1,902 |
| Net loans and leases to core deposits | 95.7394% | 1,995 |
| Total domestic deposits to total assets | 84.9605% | 2,945 |
| Equity capital to assets | 10.9738% | 2,612 |
| Core capital (leverage) ratio | 11.3469% | 2,125 |
| Tier 1 risk-based capital ratio | 17.3951% | 2,006 |
| Total risk-based capital ratio | 18.6567% | 1,959 |
| Memoranda: | ||
| Average total assets | $166,545,000 | 3,286 |
| Average earning assets | $162,771,000 | 3,179 |
| Average equity | $18,247,500 | 3,331 |
| Average total loans | $128,453,000 | 2,953 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 936 |
| Cost of funding earning assets | 0.7187% | 928 |
| Net interest margin | 4.1023% | 1,423 |
| Noninterest income to average assets | 0.0403% | 5,553 |
| Noninterest expense to average assets | 2.5976% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3993% | 1,021 |
| Return on assets (ROA) | 1.3993% | 1,040 |
| Pretax return on assets | 1.4491% | 1,818 |
| Return on Equity (ROE) | 12.6380% | 1,044 |
| Retained earnings to average equity (ytd only) | 5.9861% | 1,548 |
| Net charge-offs to loans | 0.0488% | 2,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 38.9831% | 1,288 |
| Efficiency ratio | 64.1912% | 3,577 |
| Assets per employee ($millions) | 4.1318% | 3,768 |
| Cash dividends to net income (ytd only)* | 52.6339% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 744 |
| Loan loss allowance to noncurrent loans | 180.8462% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.7866% | 1,982 |
| Noncurrent loans to loans | 1.0096% | 1,761 |
| Net loans and leases to total assets | 76.4872% | 1,510 |
| Net loans and leases to deposits | 91.5518% | 1,585 |
| Net loans and leases to core deposits | 100.3198% | 1,688 |
| Total domestic deposits to total assets | 83.5453% | 3,374 |
| Equity capital to assets | 10.9389% | 2,690 |
| Core capital (leverage) ratio | 11.0209% | 2,317 |
| Tier 1 risk-based capital ratio | 16.6876% | 2,207 |
| Total risk-based capital ratio | 17.9493% | 2,148 |
| Memoranda: | ||
| Average total assets | $158,723,600 | 3,363 |
| Average earning assets | $155,009,800 | 3,259 |
| Average equity | $17,574,000 | 3,418 |
| Average total loans | $120,911,400 | 3,049 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 949 |
| Cost of funding earning assets | 0.6847% | 1,042 |
| Net interest margin | 4.1013% | 1,386 |
| Noninterest income to average assets | 0.0407% | 5,628 |
| Noninterest expense to average assets | 2.6354% | 3,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3606% | 1,182 |
| Return on assets (ROA) | 1.3606% | 1,200 |
| Pretax return on assets | 1.4115% | 2,087 |
| Return on Equity (ROE) | 12.2496% | 1,259 |
| Retained earnings to average equity (ytd only) | 5.8000% | 2,379 |
| Net charge-offs to loans | 0.0661% | 2,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 28.1882% | 1,615 |
| Efficiency ratio | 65.1216% | 3,355 |
| Assets per employee ($millions) | 4.1463% | 3,746 |
| Cash dividends to net income (ytd only)* | 52.6515% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 778 |
| Loan loss allowance to noncurrent loans | 176.3691% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 2,175 |
| Noncurrent loans to loans | 1.0489% | 1,846 |
| Net loans and leases to total assets | 73.3744% | 2,031 |
| Net loans and leases to deposits | 86.9779% | 2,187 |
| Net loans and leases to core deposits | 95.7769% | 2,101 |
| Total domestic deposits to total assets | 84.3598% | 2,976 |
| Equity capital to assets | 10.5219% | 3,351 |
| Core capital (leverage) ratio | 10.8887% | 2,560 |
| Tier 1 risk-based capital ratio | 16.6814% | 2,257 |
| Total risk-based capital ratio | 17.9428% | 2,206 |
| Memoranda: | ||
| Average total assets | $157,086,500 | 3,414 |
| Average earning assets | $153,443,500 | 3,307 |
| Average equity | $17,447,750 | 3,470 |
| Average total loans | $118,948,500 | 3,098 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 922 |
| Cost of funding earning assets | 0.6421% | 1,197 |
| Net interest margin | 4.1263% | 1,255 |
| Noninterest income to average assets | 0.0432% | 5,662 |
| Noninterest expense to average assets | 2.6875% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3536% | 1,168 |
| Return on assets (ROA) | 1.3536% | 1,194 |
| Pretax return on assets | 1.3850% | 2,077 |
| Return on Equity (ROE) | 11.9528% | 1,316 |
| Retained earnings to average equity (ytd only) | 6.1267% | 2,044 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9916% | 3,352 |
| Assets per employee ($millions) | 3.8003% | 4,278 |
| Cash dividends to net income (ytd only)* | 48.7427% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0982% | 509 |
| Loan loss allowance to noncurrent loans | 170.8009% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 1,957 |
| Noncurrent loans to loans | 1.2285% | 1,581 |
| Net loans and leases to total assets | 72.1697% | 2,175 |
| Net loans and leases to deposits | 85.6239% | 2,271 |
| Net loans and leases to core deposits | 95.1667% | 2,059 |
| Total domestic deposits to total assets | 84.2868% | 3,095 |
| Equity capital to assets | 11.3496% | 2,456 |
| Core capital (leverage) ratio | 11.4018% | 2,049 |
| Tier 1 risk-based capital ratio | 17.2572% | 2,076 |
| Total risk-based capital ratio | 18.5209% | 2,024 |
| Memoranda: | ||
| Average total assets | $152,782,670 | 3,485 |
| Average earning assets | $149,191,000 | 3,384 |
| Average equity | $17,301,330 | 3,497 |
| Average total loans | $116,236,000 | 3,138 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 795 |
| Cost of funding earning assets | 0.5959% | 1,403 |
| Net interest margin | 4.1768% | 1,037 |
| Noninterest income to average assets | 0.0397% | 5,746 |
| Noninterest expense to average assets | 2.6787% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3856% | 1,026 |
| Return on assets (ROA) | 1.3856% | 1,058 |
| Pretax return on assets | 1.4385% | 1,735 |
| Return on Equity (ROE) | 12.2501% | 1,175 |
| Retained earnings to average equity (ytd only) | 4.8627% | 2,975 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0610% | 3,654 |
| Assets per employee ($millions) | 3.7951% | 4,352 |
| Cash dividends to net income (ytd only)* | 60.3053% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0414% | 618 |
| Loan loss allowance to noncurrent loans | 186.9666% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 2,226 |
| Noncurrent loans to loans | 1.0918% | 1,875 |
| Net loans and leases to total assets | 74.3237% | 1,689 |
| Net loans and leases to deposits | 88.6130% | 1,720 |
| Net loans and leases to core deposits | 98.3192% | 1,638 |
| Total domestic deposits to total assets | 83.8746% | 3,526 |
| Equity capital to assets | 11.0823% | 2,553 |
| Core capital (leverage) ratio | 11.5682% | 1,903 |
| Tier 1 risk-based capital ratio | 16.7308% | 2,269 |
| Total risk-based capital ratio | 17.9947% | 2,234 |
| Memoranda: | ||
| Average total assets | $151,268,000 | 3,541 |
| Average earning assets | $147,674,500 | 3,430 |
| Average equity | $17,110,000 | 3,534 |
| Average total loans | $116,924,500 | 3,163 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 963 |
| Cost of funding earning assets | 0.5405% | 1,786 |
| Net interest margin | 4.2111% | 1,087 |
| Noninterest income to average assets | 0.0495% | 5,774 |
| Noninterest expense to average assets | 2.7635% | 3,145 |
| Loan and lease loss provision to assets | -0.2714% | 5,828 |
| Net operating income to assets | 1.6044% | 673 |
| Return on assets (ROA) | 1.6189% | 676 |
| Pretax return on assets | 1.6745% | 1,065 |
| Return on Equity (ROE) | 14.3228% | 724 |
| Retained earnings to average equity (ytd only) | 5.9908% | 1,709 |
| Net charge-offs to loans | 0.0124% | 3,853 |
| Credit loss provision to net charge-offs | -2,857.1429% | 5,415 |
| Earnings coverage of net charge-offs (x) | 146.1429% | 435 |
| Efficiency ratio | 66.5632% | 3,501 |
| Assets per employee ($millions) | 3.4171% | 4,874 |
| Cash dividends to net income (ytd only)* | 58.1727% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0813% | 566 |
| Loan loss allowance to noncurrent loans | 183.9695% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 2,127 |
| Noncurrent loans to loans | 1.1313% | 1,817 |
| Net loans and leases to total assets | 77.1637% | 1,337 |
| Net loans and leases to deposits | 91.5079% | 1,512 |
| Net loans and leases to core deposits | 101.5749% | 1,479 |
| Total domestic deposits to total assets | 84.3246% | 3,303 |
| Equity capital to assets | 11.5533% | 2,119 |
| Core capital (leverage) ratio | 11.8435% | 1,697 |
| Tier 1 risk-based capital ratio | 17.1716% | 2,100 |
| Total risk-based capital ratio | 18.4367% | 2,050 |
| Memoranda: | ||
| Average total assets | $147,386,800 | 3,560 |
| Average earning assets | $143,574,000 | 3,453 |
| Average equity | $16,658,800 | 3,598 |
| Average total loans | $112,461,000 | 3,183 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7276% | 1,019 |
| Cost of funding earning assets | 0.5420% | 1,775 |
| Net interest margin | 4.1856% | 1,161 |
| Noninterest income to average assets | 0.0497% | 5,836 |
| Noninterest expense to average assets | 2.7127% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3630% | 1,138 |
| Return on assets (ROA) | 1.3821% | 1,159 |
| Pretax return on assets | 1.4336% | 1,928 |
| Return on Equity (ROE) | 12.2960% | 1,234 |
| Retained earnings to average equity (ytd only) | 4.2059% | 3,332 |
| Net charge-offs to loans | 0.0131% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 142.1459% | 487 |
| Efficiency ratio | 65.7393% | 3,636 |
| Assets per employee ($millions) | 3.6506% | 4,572 |
| Cash dividends to net income (ytd only)* | 65.7945% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5290% | 327 |
| Loan loss allowance to noncurrent loans | 211.5038% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 2,277 |
| Noncurrent loans to loans | 1.1957% | 1,875 |
| Net loans and leases to total assets | 74.2448% | 1,827 |
| Net loans and leases to deposits | 89.3887% | 1,833 |
| Net loans and leases to core deposits | 99.4560% | 1,685 |
| Total domestic deposits to total assets | 83.0584% | 3,564 |
| Equity capital to assets | 11.5220% | 2,495 |
| Core capital (leverage) ratio | 11.4717% | 2,055 |
| Tier 1 risk-based capital ratio | 16.8490% | 2,277 |
| Total risk-based capital ratio | 18.1185% | 2,227 |
| Memoranda: | ||
| Average total assets | $147,499,250 | 3,576 |
| Average earning assets | $143,663,250 | 3,466 |
| Average equity | $16,579,500 | 3,646 |
| Average total loans | $111,628,250 | 3,202 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 1,014 |
| Cost of funding earning assets | 0.5443% | 1,745 |
| Net interest margin | 4.1741% | 1,172 |
| Noninterest income to average assets | 0.0500% | 5,914 |
| Noninterest expense to average assets | 2.6921% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3717% | 1,112 |
| Return on assets (ROA) | 1.3717% | 1,184 |
| Pretax return on assets | 1.4204% | 1,946 |
| Return on Equity (ROE) | 12.3048% | 1,210 |
| Retained earnings to average equity (ytd only) | 3.5641% | 3,623 |
| Net charge-offs to loans | 0.0233% | 3,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 80.8462% | 699 |
| Efficiency ratio | 65.4617% | 3,766 |
| Assets per employee ($millions) | 3.6090% | 4,586 |
| Cash dividends to net income (ytd only)* | 71.0345% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5001% | 362 |
| Loan loss allowance to noncurrent loans | 156.7764% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 1,710 |
| Noncurrent loans to loans | 1.5947% | 1,345 |
| Net loans and leases to total assets | 74.0863% | 1,825 |
| Net loans and leases to deposits | 88.7939% | 1,889 |
| Net loans and leases to core deposits | 98.5960% | 1,760 |
| Total domestic deposits to total assets | 83.4363% | 3,490 |
| Equity capital to assets | 11.2666% | 2,780 |
| Core capital (leverage) ratio | 11.0980% | 2,329 |
| Tier 1 risk-based capital ratio | 16.2996% | 2,502 |
| Total risk-based capital ratio | 17.5691% | 2,440 |
| Memoranda: | ||
| Average total assets | $147,990,670 | 3,588 |
| Average earning assets | $144,031,330 | 3,481 |
| Average equity | $16,497,670 | 3,662 |
| Average total loans | $111,761,330 | 3,214 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 1,015 |
| Cost of funding earning assets | 0.5350% | 1,828 |
| Net interest margin | 4.1802% | 1,144 |
| Noninterest income to average assets | 0.0541% | 5,958 |
| Noninterest expense to average assets | 2.7486% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3405% | 1,149 |
| Return on assets (ROA) | 1.3405% | 1,231 |
| Pretax return on assets | 1.3811% | 1,958 |
| Return on Equity (ROE) | 12.0895% | 1,290 |
| Retained earnings to average equity (ytd only) | 2.0718% | 4,428 |
| Net charge-offs to loans | -0.0072% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5576% | 3,706 |
| Assets per employee ($millions) | 3.6291% | 4,592 |
| Cash dividends to net income (ytd only)* | 82.8629% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5637% | 366 |
| Loan loss allowance to noncurrent loans | 189.0301% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1748% | 1,877 |
| Noncurrent loans to loans | 1.3562% | 1,759 |
| Net loans and leases to total assets | 72.1845% | 2,007 |
| Net loans and leases to deposits | 86.8799% | 1,959 |
| Net loans and leases to core deposits | 96.4537% | 1,752 |
| Total domestic deposits to total assets | 83.0855% | 3,865 |
| Equity capital to assets | 11.0629% | 2,871 |
| Core capital (leverage) ratio | 11.1134% | 2,299 |
| Tier 1 risk-based capital ratio | 16.4638% | 2,489 |
| Total risk-based capital ratio | 17.7343% | 2,434 |
| Memoranda: | ||
| Average total assets | $148,002,000 | 3,609 |
| Average earning assets | $144,299,500 | 3,493 |
| Average equity | $16,411,000 | 3,676 |
| Average total loans | $111,424,500 | 3,221 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 1,156 |
| Cost of funding earning assets | 0.4632% | 2,507 |
| Net interest margin | 4.2150% | 1,139 |
| Noninterest income to average assets | 0.4496% | 3,670 |
| Noninterest expense to average assets | 2.8608% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6331% | 656 |
| Return on assets (ROA) | 1.6331% | 673 |
| Pretax return on assets | 1.6929% | 1,010 |
| Return on Equity (ROE) | 14.4009% | 784 |
| Retained earnings to average equity (ytd only) | 5.5221% | 2,071 |
| Net charge-offs to loans | -0.0037% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8245% | 4,474 |
| Assets per employee ($millions) | 3.6802% | 4,508 |
| Cash dividends to net income (ytd only)* | 61.6545% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5076% | 391 |
| Loan loss allowance to noncurrent loans | 186.2797% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 1,803 |
| Noncurrent loans to loans | 1.3462% | 1,744 |
| Net loans and leases to total assets | 74.5824% | 1,633 |
| Net loans and leases to deposits | 90.0422% | 1,609 |
| Net loans and leases to core deposits | 99.8872% | 1,509 |
| Total domestic deposits to total assets | 82.8305% | 3,891 |
| Equity capital to assets | 11.1141% | 2,717 |
| Core capital (leverage) ratio | 11.1761% | 2,241 |
| Tier 1 risk-based capital ratio | 16.0836% | 2,652 |
| Total risk-based capital ratio | 17.3530% | 2,588 |
| Memoranda: | ||
| Average total assets | $142,126,000 | 3,694 |
| Average earning assets | $138,385,800 | 3,557 |
| Average equity | $16,117,000 | 3,657 |
| Average total loans | $108,232,800 | 3,234 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 1,199 |
| Cost of funding earning assets | 0.4423% | 2,767 |
| Net interest margin | 4.2111% | 1,141 |
| Noninterest income to average assets | 0.5878% | 2,810 |
| Noninterest expense to average assets | 2.8397% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7852% | 538 |
| Return on assets (ROA) | 1.7852% | 559 |
| Pretax return on assets | 1.8487% | 808 |
| Return on Equity (ROE) | 15.6614% | 642 |
| Retained earnings to average equity (ytd only) | 8.4867% | 1,062 |
| Net charge-offs to loans | -0.0037% | 4,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5694% | 4,806 |
| Assets per employee ($millions) | 3.6154% | 4,583 |
| Cash dividends to net income (ytd only)* | 45.8113% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5319% | 417 |
| Loan loss allowance to noncurrent loans | 207.1167% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 2,433 |
| Noncurrent loans to loans | 1.2224% | 2,086 |
| Net loans and leases to total assets | 77.0750% | 1,241 |
| Net loans and leases to deposits | 94.7736% | 1,110 |
| Net loans and leases to core deposits | 105.3542% | 1,145 |
| Total domestic deposits to total assets | 81.3254% | 4,383 |
| Equity capital to assets | 11.7391% | 2,318 |
| Core capital (leverage) ratio | 11.7673% | 1,843 |
| Tier 1 risk-based capital ratio | 16.7815% | 2,443 |
| Total risk-based capital ratio | 18.0525% | 2,398 |
| Memoranda: | ||
| Average total assets | $140,855,250 | 3,741 |
| Average earning assets | $137,156,500 | 3,609 |
| Average equity | $16,056,000 | 3,699 |
| Average total loans | $107,137,000 | 3,283 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 1,254 |
| Cost of funding earning assets | 0.4393% | 2,848 |
| Net interest margin | 4.1722% | 1,167 |
| Noninterest income to average assets | 0.8565% | 1,584 |
| Noninterest expense to average assets | 2.9203% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9275% | 416 |
| Return on assets (ROA) | 1.9275% | 435 |
| Pretax return on assets | 1.9971% | 595 |
| Return on Equity (ROE) | 17.0792% | 474 |
| Retained earnings to average equity (ytd only) | 8.1431% | 1,209 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3876% | 5,063 |
| Assets per employee ($millions) | 3.5160% | 4,758 |
| Cash dividends to net income (ytd only)* | 52.3213% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6324% | 407 |
| Loan loss allowance to noncurrent loans | 121.9196% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 1,461 |
| Noncurrent loans to loans | 2.1591% | 1,110 |
| Net loans and leases to total assets | 74.1672% | 1,633 |
| Net loans and leases to deposits | 90.9509% | 1,491 |
| Net loans and leases to core deposits | 101.1972% | 1,388 |
| Total domestic deposits to total assets | 81.5464% | 4,433 |
| Equity capital to assets | 11.4563% | 2,453 |
| Core capital (leverage) ratio | 11.6394% | 1,895 |
| Tier 1 risk-based capital ratio | 16.7726% | 2,497 |
| Total risk-based capital ratio | 18.0444% | 2,446 |
| Memoranda: | ||
| Average total assets | $140,807,330 | 3,772 |
| Average earning assets | $137,050,670 | 3,640 |
| Average equity | $15,890,670 | 3,741 |
| Average total loans | $105,683,330 | 3,332 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 1,454 |
| Cost of funding earning assets | 0.4406% | 2,874 |
| Net interest margin | 4.0614% | 1,382 |
| Noninterest income to average assets | 1.6495% | 466 |
| Noninterest expense to average assets | 2.9697% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.5665% | 136 |
| Return on assets (ROA) | 2.5665% | 146 |
| Pretax return on assets | 2.6318% | 201 |
| Return on Equity (ROE) | 22.9151% | 155 |
| Retained earnings to average equity (ytd only) | 13.7896% | 372 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0157% | 5,750 |
| Assets per employee ($millions) | 3.4719% | 4,946 |
| Cash dividends to net income (ytd only)* | 39.8230% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6498% | 431 |
| Loan loss allowance to noncurrent loans | 159.2321% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 2,091 |
| Noncurrent loans to loans | 1.6641% | 1,669 |
| Net loans and leases to total assets | 74.6009% | 1,416 |
| Net loans and leases to deposits | 90.8073% | 1,311 |
| Net loans and leases to core deposits | 101.0968% | 1,247 |
| Total domestic deposits to total assets | 82.1530% | 4,468 |
| Equity capital to assets | 11.5766% | 2,396 |
| Core capital (leverage) ratio | 11.3103% | 2,150 |
| Tier 1 risk-based capital ratio | 16.3291% | 2,767 |
| Total risk-based capital ratio | 17.5833% | 2,705 |
| Memoranda: | ||
| Average total assets | $140,891,500 | 3,799 |
| Average earning assets | $137,097,000 | 3,667 |
| Average equity | $15,780,000 | 3,786 |
| Average total loans | $104,961,000 | 3,356 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 1,414 |
| Cost of funding earning assets | 0.4673% | 3,005 |
| Net interest margin | 4.1862% | 1,343 |
| Noninterest income to average assets | 0.0554% | 6,277 |
| Noninterest expense to average assets | 2.8533% | 3,288 |
| Loan and lease loss provision to assets | -0.3238% | 6,383 |
| Net operating income to assets | 1.6472% | 643 |
| Return on assets (ROA) | 1.6472% | 666 |
| Pretax return on assets | 1.6005% | 1,233 |
| Return on Equity (ROE) | 15.5050% | 699 |
| Retained earnings to average equity (ytd only) | 7.4036% | 1,228 |
| Net charge-offs to loans | -0.0010% | 5,338 |
| Credit loss provision to net charge-offs | 45,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0887% | 3,694 |
| Assets per employee ($millions) | 3.5727% | 4,767 |
| Cash dividends to net income (ytd only)* | 52.2499% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7246% | 414 |
| Loan loss allowance to noncurrent loans | 103.1456% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.9131% | 1,347 |
| Noncurrent loans to loans | 2.6415% | 933 |
| Net loans and leases to total assets | 70.4509% | 2,164 |
| Net loans and leases to deposits | 84.7824% | 2,122 |
| Net loans and leases to core deposits | 94.2264% | 1,899 |
| Total domestic deposits to total assets | 83.0961% | 4,041 |
| Equity capital to assets | 10.8342% | 3,078 |
| Core capital (leverage) ratio | 10.8500% | 2,556 |
| Tier 1 risk-based capital ratio | 16.6295% | 2,660 |
| Total risk-based capital ratio | 17.9012% | 2,603 |
| Memoranda: | ||
| Average total assets | $138,959,800 | 3,822 |
| Average earning assets | $135,253,200 | 3,668 |
| Average equity | $14,763,000 | 3,885 |
| Average total loans | $104,777,000 | 3,333 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,298 |
| Cost of funding earning assets | 0.4634% | 3,119 |
| Net interest margin | 4.2401% | 1,182 |
| Noninterest income to average assets | 0.0502% | 6,381 |
| Noninterest expense to average assets | 2.7705% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3935% | 1,144 |
| Return on assets (ROA) | 1.3935% | 1,187 |
| Pretax return on assets | 1.4089% | 1,976 |
| Return on Equity (ROE) | 13.1840% | 1,175 |
| Retained earnings to average equity (ytd only) | 3.7852% | 3,963 |
| Net charge-offs to loans | -0.0013% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2890% | 4,173 |
| Assets per employee ($millions) | 3.6225% | 4,630 |
| Cash dividends to net income (ytd only)* | 71.2897% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0748% | 331 |
| Loan loss allowance to noncurrent loans | 117.8803% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.9144% | 1,527 |
| Noncurrent loans to loans | 2.6084% | 1,098 |
| Net loans and leases to total assets | 71.1380% | 2,002 |
| Net loans and leases to deposits | 84.9114% | 2,045 |
| Net loans and leases to core deposits | 93.6307% | 1,905 |
| Total domestic deposits to total assets | 83.7792% | 3,843 |
| Equity capital to assets | 10.2319% | 3,888 |
| Core capital (leverage) ratio | 10.2178% | 3,390 |
| Tier 1 risk-based capital ratio | 15.7757% | 3,169 |
| Total risk-based capital ratio | 17.0527% | 3,103 |
| Memoranda: | ||
| Average total assets | $137,972,750 | 3,866 |
| Average earning assets | $134,365,500 | 3,717 |
| Average equity | $14,583,000 | 3,929 |
| Average total loans | $105,096,250 | 3,352 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 1,191 |
| Cost of funding earning assets | 0.4423% | 3,415 |
| Net interest margin | 4.3036% | 1,018 |
| Noninterest income to average assets | 0.0545% | 6,434 |
| Noninterest expense to average assets | 2.7701% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4492% | 962 |
| Return on assets (ROA) | 1.4492% | 1,006 |
| Pretax return on assets | 1.4728% | 1,630 |
| Return on Equity (ROE) | 13.5568% | 1,042 |
| Retained earnings to average equity (ytd only) | 2.5652% | 4,572 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2884% | 4,471 |
| Assets per employee ($millions) | 3.6396% | 4,574 |
| Cash dividends to net income (ytd only)* | 81.0783% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0074% | 381 |
| Loan loss allowance to noncurrent loans | 116.4174% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.9782% | 1,623 |
| Noncurrent loans to loans | 2.5833% | 1,193 |
| Net loans and leases to total assets | 74.2740% | 1,405 |
| Net loans and leases to deposits | 88.8931% | 1,493 |
| Net loans and leases to core deposits | 98.2572% | 1,424 |
| Total domestic deposits to total assets | 83.5543% | 4,088 |
| Equity capital to assets | 10.3103% | 3,675 |
| Core capital (leverage) ratio | 10.5135% | 2,932 |
| Tier 1 risk-based capital ratio | 15.3886% | 3,418 |
| Total risk-based capital ratio | 16.6665% | 3,344 |
| Memoranda: | ||
| Average total assets | $135,663,670 | 3,927 |
| Average earning assets | $132,028,330 | 3,768 |
| Average equity | $14,502,000 | 3,945 |
| Average total loans | $104,678,670 | 3,363 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7441% | 1,156 |
| Cost of funding earning assets | 0.4098% | 3,855 |
| Net interest margin | 4.3343% | 934 |
| Noninterest income to average assets | 0.0513% | 6,482 |
| Noninterest expense to average assets | 2.7588% | 3,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4579% | 887 |
| Return on assets (ROA) | 1.4579% | 918 |
| Pretax return on assets | 1.5062% | 1,413 |
| Return on Equity (ROE) | 13.3837% | 1,063 |
| Retained earnings to average equity (ytd only) | 0.7204% | 5,303 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6851% | 4,751 |
| Assets per employee ($millions) | 3.4727% | 4,977 |
| Cash dividends to net income (ytd only)* | 94.6170% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1637% | 369 |
| Loan loss allowance to noncurrent loans | 114.7823% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 2.1029% | 1,593 |
| Noncurrent loans to loans | 2.7563% | 1,216 |
| Net loans and leases to total assets | 73.8797% | 1,290 |
| Net loans and leases to deposits | 86.6627% | 1,513 |
| Net loans and leases to core deposits | 96.0674% | 1,379 |
| Total domestic deposits to total assets | 85.2498% | 3,747 |
| Equity capital to assets | 10.6642% | 3,077 |
| Core capital (leverage) ratio | 10.7971% | 2,602 |
| Tier 1 risk-based capital ratio | 16.0801% | 3,139 |
| Total risk-based capital ratio | 17.3597% | 3,076 |
| Memoranda: | ||
| Average total assets | $132,522,500 | 4,018 |
| Average earning assets | $128,832,500 | 3,868 |
| Average equity | $14,435,500 | 3,963 |
| Average total loans | $102,669,000 | 3,414 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 766 |
| Cost of funding earning assets | 0.4902% | 3,709 |
| Net interest margin | 4.6049% | 604 |
| Noninterest income to average assets | 0.4206% | 4,295 |
| Noninterest expense to average assets | 3.0867% | 2,774 |
| Loan and lease loss provision to assets | 0.1873% | 1,969 |
| Net operating income to assets | 1.6034% | 688 |
| Return on assets (ROA) | 1.6167% | 682 |
| Pretax return on assets | 1.6167% | 1,125 |
| Return on Equity (ROE) | 15.0306% | 755 |
| Retained earnings to average equity (ytd only) | 10.0833% | 554 |
| Net charge-offs to loans | 0.1933% | 2,921 |
| Credit loss provision to net charge-offs | 126.9841% | 1,858 |
| Earnings coverage of net charge-offs (x) | 12.1429% | 2,160 |
| Efficiency ratio | 63.2859% | 5,013 |
| Assets per employee ($millions) | 3.1612% | 5,563 |
| Cash dividends to net income (ytd only)* | 32.9151% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2046% | 367 |
| Loan loss allowance to noncurrent loans | 113.0360% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 2.2313% | 1,593 |
| Noncurrent loans to loans | 2.8350% | 1,238 |
| Net loans and leases to total assets | 76.1832% | 1,044 |
| Net loans and leases to deposits | 88.7225% | 1,382 |
| Net loans and leases to core deposits | 97.7730% | 1,318 |
| Total domestic deposits to total assets | 85.8668% | 3,330 |
| Equity capital to assets | 11.1319% | 2,496 |
| Core capital (leverage) ratio | 11.1247% | 2,261 |
| Tier 1 risk-based capital ratio | 16.2391% | 2,992 |
| Total risk-based capital ratio | 17.5190% | 2,930 |
| Memoranda: | ||
| Average total assets | $128,161,600 | 4,108 |
| Average earning assets | $124,040,600 | 3,972 |
| Average equity | $13,785,200 | 4,104 |
| Average total loans | $97,794,400 | 3,506 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 706 |
| Cost of funding earning assets | 0.5176% | 3,590 |
| Net interest margin | 4.6366% | 579 |
| Noninterest income to average assets | 0.1690% | 6,176 |
| Noninterest expense to average assets | 3.0411% | 2,852 |
| Loan and lease loss provision to assets | 0.2504% | 1,429 |
| Net operating income to assets | 1.3636% | 1,192 |
| Return on assets (ROA) | 1.3823% | 1,188 |
| Pretax return on assets | 1.3823% | 1,989 |
| Return on Equity (ROE) | 12.9665% | 1,244 |
| Retained earnings to average equity (ytd only) | 10.4417% | 702 |
| Net charge-offs to loans | 0.2646% | 2,230 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 8.0574% | 2,684 |
| Efficiency ratio | 65.3294% | 4,603 |
| Assets per employee ($millions) | 3.3399% | 5,206 |
| Cash dividends to net income (ytd only)* | 19.4716% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3062% | 410 |
| Loan loss allowance to noncurrent loans | 114.5110% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 2.1903% | 1,823 |
| Noncurrent loans to loans | 2.8872% | 1,418 |
| Net loans and leases to total assets | 73.3538% | 1,387 |
| Net loans and leases to deposits | 83.5354% | 1,931 |
| Net loans and leases to core deposits | 91.8033% | 1,778 |
| Total domestic deposits to total assets | 87.8116% | 2,240 |
| Equity capital to assets | 10.8556% | 2,911 |
| Core capital (leverage) ratio | 10.9709% | 2,512 |
| Tier 1 risk-based capital ratio | 16.2526% | 3,058 |
| Total risk-based capital ratio | 17.5342% | 3,010 |
| Memoranda: | ||
| Average total assets | $127,799,500 | 4,164 |
| Average earning assets | $123,650,500 | 4,012 |
| Average equity | $13,624,500 | 4,190 |
| Average total loans | $96,740,500 | 3,556 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2808% | 542 |
| Cost of funding earning assets | 0.5463% | 3,456 |
| Net interest margin | 4.7344% | 474 |
| Noninterest income to average assets | 0.1780% | 6,142 |
| Noninterest expense to average assets | 3.1170% | 2,616 |
| Loan and lease loss provision to assets | 0.3780% | 857 |
| Net operating income to assets | 1.2553% | 1,442 |
| Return on assets (ROA) | 1.2837% | 1,460 |
| Pretax return on assets | 1.2837% | 2,358 |
| Return on Equity (ROE) | 12.1166% | 1,455 |
| Retained earnings to average equity (ytd only) | 8.2809% | 1,373 |
| Net charge-offs to loans | 0.3998% | 1,613 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 5.4010% | 2,902 |
| Efficiency ratio | 65.6167% | 4,615 |
| Assets per employee ($millions) | 3.2012% | 5,473 |
| Cash dividends to net income (ytd only)* | 31.6564% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3719% | 411 |
| Loan loss allowance to noncurrent loans | 90.4208% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 2.8208% | 1,457 |
| Noncurrent loans to loans | 3.7291% | 1,093 |
| Net loans and leases to total assets | 73.0923% | 1,388 |
| Net loans and leases to deposits | 85.5232% | 1,622 |
| Net loans and leases to core deposits | 94.4068% | 1,487 |
| Total domestic deposits to total assets | 85.4649% | 3,658 |
| Equity capital to assets | 10.7115% | 3,042 |
| Core capital (leverage) ratio | 10.5541% | 2,815 |
| Tier 1 risk-based capital ratio | 16.0098% | 3,188 |
| Total risk-based capital ratio | 17.2927% | 3,112 |
| Memoranda: | ||
| Average total assets | $126,981,000 | 4,208 |
| Average earning assets | $122,633,330 | 4,070 |
| Average equity | $13,452,670 | 4,250 |
| Average total loans | $96,049,330 | 3,588 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 404 |
| Cost of funding earning assets | 0.5520% | 3,556 |
| Net interest margin | 4.8861% | 346 |
| Noninterest income to average assets | 0.0095% | 6,833 |
| Noninterest expense to average assets | 3.6822% | 1,275 |
| Loan and lease loss provision to assets | 0.5694% | 456 |
| Net operating income to assets | 0.4619% | 4,861 |
| Return on assets (ROA) | 0.5156% | 4,728 |
| Pretax return on assets | 0.5156% | 5,207 |
| Return on Equity (ROE) | 4.8945% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.9518% | 5,025 |
| Net charge-offs to loans | 0.7361% | 829 |
| Credit loss provision to net charge-offs | 102.2727% | 1,791 |
| Earnings coverage of net charge-offs (x) | 1.8523% | 3,220 |
| Efficiency ratio | 78.1208% | 2,592 |
| Assets per employee ($millions) | 3.1981% | 5,628 |
| Cash dividends to net income (ytd only)* | 60.1227% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3744% | 467 |
| Loan loss allowance to noncurrent loans | 75.7227% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 4.0884% | 962 |
| Noncurrent loans to loans | 4.4563% | 944 |
| Net loans and leases to total assets | 72.1229% | 1,331 |
| Net loans and leases to deposits | 83.9775% | 1,601 |
| Net loans and leases to core deposits | 92.6622% | 1,440 |
| Total domestic deposits to total assets | 85.8836% | 3,592 |
| Equity capital to assets | 10.4306% | 3,630 |
| Core capital (leverage) ratio | 10.2783% | 3,042 |
| Tier 1 risk-based capital ratio | 15.3734% | 3,607 |
| Total risk-based capital ratio | 16.6519% | 3,550 |
| Memoranda: | ||
| Average total assets | $126,447,000 | 4,253 |
| Average earning assets | $121,734,000 | 4,121 |
| Average equity | $13,321,000 | 4,326 |
| Average total loans | $95,644,000 | 3,618 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 930 |
| Cost of funding earning assets | 0.6946% | 3,537 |
| Net interest margin | 4.6046% | 775 |
| Noninterest income to average assets | 0.0312% | 6,749 |
| Noninterest expense to average assets | 3.4929% | 1,827 |
| Loan and lease loss provision to assets | 0.3192% | 2,140 |
| Net operating income to assets | 0.6361% | 4,059 |
| Return on assets (ROA) | 0.6361% | 4,325 |
| Pretax return on assets | 0.6224% | 4,923 |
| Return on Equity (ROE) | 6.3581% | 3,984 |
| Retained earnings to average equity (ytd only) | 4.8616% | 2,799 |
| Net charge-offs to loans | 1.1526% | 893 |
| Credit loss provision to net charge-offs | 36.7776% | 4,993 |
| Earnings coverage of net charge-offs (x) | 1.0849% | 4,919 |
| Efficiency ratio | 78.7661% | 2,316 |
| Assets per employee ($millions) | 3.0481% | 5,940 |
| Cash dividends to net income (ytd only)* | 23.5364% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3599% | 487 |
| Loan loss allowance to noncurrent loans | 56.6925% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 5.8093% | 610 |
| Noncurrent loans to loans | 5.9266% | 607 |
| Net loans and leases to total assets | 74.0854% | 1,185 |
| Net loans and leases to deposits | 86.5694% | 1,435 |
| Net loans and leases to core deposits | 95.7922% | 1,323 |
| Total domestic deposits to total assets | 85.5792% | 3,575 |
| Equity capital to assets | 10.6416% | 3,348 |
| Core capital (leverage) ratio | 10.2208% | 3,110 |
| Tier 1 risk-based capital ratio | 14.9533% | 3,742 |
| Total risk-based capital ratio | 16.2343% | 3,682 |
| Memoranda: | ||
| Average total assets | $131,581,800 | 4,114 |
| Average earning assets | $125,829,800 | 3,984 |
| Average equity | $13,164,400 | 4,324 |
| Average total loans | $99,076,800 | 3,548 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 1,019 |
| Cost of funding earning assets | 0.7340% | 3,484 |
| Net interest margin | 4.5644% | 877 |
| Noninterest income to average assets | -0.0110% | 6,961 |
| Noninterest expense to average assets | 3.3614% | 2,102 |
| Loan and lease loss provision to assets | 0.2402% | 2,650 |
| Net operating income to assets | 0.7676% | 3,613 |
| Return on assets (ROA) | 0.7676% | 3,869 |
| Pretax return on assets | 0.7495% | 4,678 |
| Return on Equity (ROE) | 7.7881% | 3,375 |
| Retained earnings to average equity (ytd only) | 6.5697% | 2,345 |
| Net charge-offs to loans | 1.0651% | 981 |
| Credit loss provision to net charge-offs | 30.0752% | 4,801 |
| Earnings coverage of net charge-offs (x) | 1.2393% | 4,670 |
| Efficiency ratio | 77.2539% | 2,489 |
| Assets per employee ($millions) | 3.2580% | 5,519 |
| Cash dividends to net income (ytd only)* | 15.6458% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5203% | 463 |
| Loan loss allowance to noncurrent loans | 82.9328% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 4.5726% | 1,007 |
| Noncurrent loans to loans | 4.2448% | 1,153 |
| Net loans and leases to total assets | 72.9471% | 1,401 |
| Net loans and leases to deposits | 84.9663% | 1,733 |
| Net loans and leases to core deposits | 93.8223% | 1,598 |
| Total domestic deposits to total assets | 85.8541% | 3,330 |
| Equity capital to assets | 10.5098% | 3,832 |
| Core capital (leverage) ratio | 9.9271% | 3,655 |
| Tier 1 risk-based capital ratio | 14.8999% | 3,919 |
| Total risk-based capital ratio | 16.1769% | 3,858 |
| Memoranda: | ||
| Average total assets | $133,234,250 | 4,114 |
| Average earning assets | $127,330,500 | 3,991 |
| Average equity | $13,130,750 | 4,373 |
| Average total loans | $99,894,750 | 3,558 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 1,045 |
| Cost of funding earning assets | 0.7620% | 3,503 |
| Net interest margin | 4.5426% | 920 |
| Noninterest income to average assets | 0.1257% | 6,557 |
| Noninterest expense to average assets | 3.1975% | 2,599 |
| Loan and lease loss provision to assets | 0.0887% | 4,464 |
| Net operating income to assets | 1.2018% | 1,709 |
| Return on assets (ROA) | 1.2018% | 1,906 |
| Pretax return on assets | 1.1752% | 3,032 |
| Return on Equity (ROE) | 12.4537% | 1,515 |
| Retained earnings to average equity (ytd only) | 10.6155% | 826 |
| Net charge-offs to loans | 1.3028% | 817 |
| Credit loss provision to net charge-offs | 9.1047% | 4,751 |
| Earnings coverage of net charge-offs (x) | 1.2974% | 4,354 |
| Efficiency ratio | 71.6700% | 3,488 |
| Assets per employee ($millions) | 3.4244% | 5,154 |
| Cash dividends to net income (ytd only)* | 14.7601% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4535% | 510 |
| Loan loss allowance to noncurrent loans | 70.8590% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 5.7986% | 753 |
| Noncurrent loans to loans | 4.8737% | 1,036 |
| Net loans and leases to total assets | 69.9379% | 1,934 |
| Net loans and leases to deposits | 83.6553% | 1,902 |
| Net loans and leases to core deposits | 92.1515% | 1,765 |
| Total domestic deposits to total assets | 83.6024% | 4,485 |
| Equity capital to assets | 10.0255% | 4,292 |
| Core capital (leverage) ratio | 9.7463% | 3,782 |
| Tier 1 risk-based capital ratio | 14.5067% | 4,100 |
| Total risk-based capital ratio | 15.7868% | 4,040 |
| Memoranda: | ||
| Average total assets | $135,291,670 | 4,087 |
| Average earning assets | $129,132,330 | 3,973 |
| Average equity | $13,056,330 | 4,382 |
| Average total loans | $101,169,670 | 3,543 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 904 |
| Cost of funding earning assets | 0.7857% | 3,581 |
| Net interest margin | 4.6163% | 800 |
| Noninterest income to average assets | 0.0176% | 7,053 |
| Noninterest expense to average assets | 2.8730% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5276% | 977 |
| Return on assets (ROA) | 1.5276% | 1,098 |
| Pretax return on assets | 1.5628% | 1,697 |
| Return on Equity (ROE) | 16.1365% | 786 |
| Retained earnings to average equity (ytd only) | 12.4127% | 765 |
| Net charge-offs to loans | 0.6810% | 1,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.0227% | 2,984 |
| Efficiency ratio | 64.7682% | 4,788 |
| Assets per employee ($millions) | 3.4447% | 5,252 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6868% | 468 |
| Loan loss allowance to noncurrent loans | 86.0343% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 5.1629% | 990 |
| Noncurrent loans to loans | 4.2853% | 1,396 |
| Net loans and leases to total assets | 73.1925% | 1,185 |
| Net loans and leases to deposits | 87.2198% | 1,258 |
| Net loans and leases to core deposits | 95.9841% | 1,303 |
| Total domestic deposits to total assets | 83.9173% | 4,529 |
| Equity capital to assets | 9.7355% | 4,473 |
| Core capital (leverage) ratio | 9.3372% | 4,304 |
| Tier 1 risk-based capital ratio | 13.7178% | 4,666 |
| Total risk-based capital ratio | 15.0026% | 4,628 |
| Memoranda: | ||
| Average total assets | $136,162,500 | 4,107 |
| Average earning assets | $130,321,500 | 3,982 |
| Average equity | $12,890,000 | 4,424 |
| Average total loans | $103,383,000 | 3,517 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5257% | 1,108 |
| Cost of funding earning assets | 1.0279% | 3,174 |
| Net interest margin | 4.4978% | 1,139 |
| Noninterest income to average assets | 0.0248% | 6,925 |
| Noninterest expense to average assets | 2.8336% | 4,224 |
| Loan and lease loss provision to assets | 2.9687% | 126 |
| Net operating income to assets | -1.4643% | 6,899 |
| Return on assets (ROA) | -1.4643% | 6,921 |
| Pretax return on assets | -1.4664% | 6,889 |
| Return on Equity (ROE) | -14.9124% | 6,892 |
| Retained earnings to average equity (ytd only) | -15.2704% | 6,876 |
| Net charge-offs to loans | 2.9474% | 335 |
| Credit loss provision to net charge-offs | 129.2317% | 2,374 |
| Earnings coverage of net charge-offs (x) | 0.6540% | 5,332 |
| Efficiency ratio | 65.3522% | 4,892 |
| Assets per employee ($millions) | 3.6311% | 4,703 |
| Cash dividends to net income (ytd only)* | -2.4011% | 7,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7641% | 444 |
| Loan loss allowance to noncurrent loans | 58.0180% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 5.7768% | 876 |
| Noncurrent loans to loans | 6.4878% | 723 |
| Net loans and leases to total assets | 73.0044% | 1,452 |
| Net loans and leases to deposits | 86.2374% | 1,638 |
| Net loans and leases to core deposits | 94.9246% | 1,597 |
| Total domestic deposits to total assets | 84.6552% | 4,017 |
| Equity capital to assets | 9.2048% | 5,274 |
| Core capital (leverage) ratio | 8.7075% | 5,240 |
| Tier 1 risk-based capital ratio | 13.1324% | 4,966 |
| Total risk-based capital ratio | 14.4185% | 4,919 |
| Memoranda: | ||
| Average total assets | $145,047,600 | 3,889 |
| Average earning assets | $139,022,200 | 3,765 |
| Average equity | $14,243,200 | 4,059 |
| Average total loans | $113,049,000 | 3,311 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7732% | 736 |
| Cost of funding earning assets | 1.0678% | 3,189 |
| Net interest margin | 4.7054% | 756 |
| Noninterest income to average assets | 0.0618% | 6,912 |
| Noninterest expense to average assets | 2.8380% | 4,197 |
| Loan and lease loss provision to assets | 1.8844% | 305 |
| Net operating income to assets | -0.1517% | 6,331 |
| Return on assets (ROA) | -0.1517% | 6,411 |
| Pretax return on assets | -0.1544% | 6,375 |
| Return on Equity (ROE) | -1.5221% | 6,429 |
| Retained earnings to average equity (ytd only) | -1.9869% | 6,296 |
| Net charge-offs to loans | 3.2029% | 279 |
| Credit loss provision to net charge-offs | 75.0181% | 4,315 |
| Earnings coverage of net charge-offs (x) | 0.6887% | 5,107 |
| Efficiency ratio | 62.1272% | 5,388 |
| Assets per employee ($millions) | 3.7267% | 4,473 |
| Cash dividends to net income (ytd only)* | -30.5398% | 7,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 2,077 |
| Loan loss allowance to noncurrent loans | 37.4918% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 5.4084% | 1,036 |
| Noncurrent loans to loans | 5.5809% | 1,054 |
| Net loans and leases to total assets | 75.1712% | 1,117 |
| Net loans and leases to deposits | 90.6369% | 1,143 |
| Net loans and leases to core deposits | 100.1307% | 1,237 |
| Total domestic deposits to total assets | 82.9367% | 4,713 |
| Equity capital to assets | 10.3704% | 3,866 |
| Core capital (leverage) ratio | 9.9025% | 3,572 |
| Tier 1 risk-based capital ratio | 14.5534% | 3,935 |
| Total risk-based capital ratio | 15.8168% | 3,903 |
| Memoranda: | ||
| Average total assets | $146,814,000 | 3,873 |
| Average earning assets | $140,599,500 | 3,755 |
| Average equity | $14,628,750 | 3,994 |
| Average total loans | $115,143,000 | 3,296 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9617% | 512 |
| Cost of funding earning assets | 1.1063% | 3,196 |
| Net interest margin | 4.8554% | 546 |
| Noninterest income to average assets | 0.0498% | 7,047 |
| Noninterest expense to average assets | 2.9553% | 3,809 |
| Loan and lease loss provision to assets | 2.2175% | 257 |
| Net operating income to assets | -0.4685% | 6,663 |
| Return on assets (ROA) | -0.4685% | 6,688 |
| Pretax return on assets | -0.4726% | 6,642 |
| Return on Equity (ROE) | -4.7640% | 6,695 |
| Retained earnings to average equity (ytd only) | -5.4621% | 6,604 |
| Net charge-offs to loans | 2.5085% | 468 |
| Credit loss provision to net charge-offs | 111.9646% | 2,736 |
| Earnings coverage of net charge-offs (x) | 0.8810% | 4,634 |
| Efficiency ratio | 62.8760% | 5,420 |
| Assets per employee ($millions) | 3.9758% | 3,803 |
| Cash dividends to net income (ytd only)* | -14.6552% | 7,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7661% | 1,110 |
| Loan loss allowance to noncurrent loans | 59.0269% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 4.7129% | 1,322 |
| Noncurrent loans to loans | 4.6862% | 1,405 |
| Net loans and leases to total assets | 75.0806% | 1,230 |
| Net loans and leases to deposits | 91.1453% | 1,142 |
| Net loans and leases to core deposits | 100.3662% | 1,312 |
| Total domestic deposits to total assets | 82.3746% | 5,035 |
| Equity capital to assets | 9.8025% | 4,387 |
| Core capital (leverage) ratio | 9.4449% | 4,035 |
| Tier 1 risk-based capital ratio | 13.8705% | 4,255 |
| Total risk-based capital ratio | 15.1472% | 4,209 |
| Memoranda: | ||
| Average total assets | $148,547,330 | 3,872 |
| Average earning assets | $142,275,000 | 3,755 |
| Average equity | $14,609,670 | 3,982 |
| Average total loans | $117,281,330 | 3,281 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7842% | 760 |
| Cost of funding earning assets | 1.1221% | 3,356 |
| Net interest margin | 4.6620% | 759 |
| Noninterest income to average assets | 0.0670% | 7,056 |
| Noninterest expense to average assets | 3.0120% | 3,594 |
| Loan and lease loss provision to assets | 1.4042% | 470 |
| Net operating income to assets | 0.1233% | 6,030 |
| Return on assets (ROA) | 0.1233% | 6,089 |
| Pretax return on assets | 0.1152% | 6,137 |
| Return on Equity (ROE) | 1.2513% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.2513% | 5,321 |
| Net charge-offs to loans | 1.6688% | 796 |
| Credit loss provision to net charge-offs | 105.4326% | 2,529 |
| Earnings coverage of net charge-offs (x) | 1.1408% | 3,809 |
| Efficiency ratio | 66.4695% | 4,951 |
| Assets per employee ($millions) | 3.9336% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5551% | 1,378 |
| Loan loss allowance to noncurrent loans | 58.3658% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 4.5345% | 1,425 |
| Noncurrent loans to loans | 4.3777% | 1,612 |
| Net loans and leases to total assets | 76.3636% | 985 |
| Net loans and leases to deposits | 93.3084% | 891 |
| Net loans and leases to core deposits | 102.6502% | 1,152 |
| Total domestic deposits to total assets | 81.8400% | 5,373 |
| Equity capital to assets | 9.8450% | 3,968 |
| Core capital (leverage) ratio | 9.7187% | 3,497 |
| Tier 1 risk-based capital ratio | 13.8737% | 4,155 |
| Total risk-based capital ratio | 15.1431% | 4,122 |
| Memoranda: | ||
| Average total assets | $149,268,000 | 3,890 |
| Average earning assets | $142,942,000 | 3,773 |
| Average equity | $14,704,500 | 3,958 |
| Average total loans | $119,127,000 | 3,277 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0078% | 836 |
| Cost of funding earning assets | 1.3431% | 3,628 |
| Net interest margin | 4.6647% | 881 |
| Noninterest income to average assets | 0.1504% | 6,637 |
| Noninterest expense to average assets | 2.3642% | 6,187 |
| Loan and lease loss provision to assets | 0.4903% | 3,207 |
| Net operating income to assets | 1.7445% | 469 |
| Return on assets (ROA) | 1.7710% | 487 |
| Pretax return on assets | 1.8033% | 757 |
| Return on Equity (ROE) | 19.1348% | 305 |
| Retained earnings to average equity (ytd only) | 11.1002% | 370 |
| Net charge-offs to loans | 0.5420% | 3,441 |
| Credit loss provision to net charge-offs | 108.6257% | 4,066 |
| Earnings coverage of net charge-offs (x) | 5.0219% | 2,733 |
| Efficiency ratio | 51.0544% | 7,056 |
| Assets per employee ($millions) | 4.0286% | 3,723 |
| Cash dividends to net income (ytd only)* | 41.9896% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4489% | 1,481 |
| Loan loss allowance to noncurrent loans | 59.6181% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 4.5579% | 1,466 |
| Noncurrent loans to loans | 4.1077% | 1,759 |
| Net loans and leases to total assets | 79.2632% | 762 |
| Net loans and leases to deposits | 97.0838% | 780 |
| Net loans and leases to core deposits | 107.7265% | 1,073 |
| Total domestic deposits to total assets | 81.6442% | 5,310 |
| Equity capital to assets | 9.8572% | 3,930 |
| Core capital (leverage) ratio | 9.5705% | 3,606 |
| Tier 1 risk-based capital ratio | 13.5108% | 4,190 |
| Total risk-based capital ratio | 14.7798% | 4,141 |
| Memoranda: | ||
| Average total assets | $151,554,800 | 3,851 |
| Average earning assets | $145,561,400 | 3,716 |
| Average equity | $14,026,800 | 4,141 |
| Average total loans | $126,207,000 | 3,197 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0116% | 910 |
| Cost of funding earning assets | 1.3931% | 3,621 |
| Net interest margin | 4.6185% | 1,008 |
| Noninterest income to average assets | 0.1744% | 6,633 |
| Noninterest expense to average assets | 2.2902% | 6,356 |
| Loan and lease loss provision to assets | 0.4460% | 3,239 |
| Net operating income to assets | 1.8578% | 444 |
| Return on assets (ROA) | 1.8933% | 461 |
| Pretax return on assets | 1.9152% | 744 |
| Return on Equity (ROE) | 20.7879% | 266 |
| Retained earnings to average equity (ytd only) | 15.8916% | 171 |
| Net charge-offs to loans | 0.5627% | 3,066 |
| Credit loss provision to net charge-offs | 94.6097% | 4,581 |
| Earnings coverage of net charge-offs (x) | 4.9331% | 2,894 |
| Efficiency ratio | 49.6203% | 7,177 |
| Assets per employee ($millions) | 4.2205% | 3,406 |
| Cash dividends to net income (ytd only)* | 23.5539% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3067% | 1,617 |
| Loan loss allowance to noncurrent loans | 43.4875% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 5.5688% | 1,101 |
| Noncurrent loans to loans | 5.3042% | 1,276 |
| Net loans and leases to total assets | 80.2240% | 712 |
| Net loans and leases to deposits | 97.8997% | 800 |
| Net loans and leases to core deposits | 110.3067% | 1,020 |
| Total domestic deposits to total assets | 81.9451% | 5,018 |
| Equity capital to assets | 9.8153% | 4,398 |
| Core capital (leverage) ratio | 9.5110% | 3,886 |
| Tier 1 risk-based capital ratio | 13.1843% | 4,437 |
| Total risk-based capital ratio | 14.4507% | 4,403 |
| Memoranda: | ||
| Average total assets | $152,178,750 | 3,896 |
| Average earning assets | $146,335,500 | 3,742 |
| Average equity | $13,860,250 | 4,233 |
| Average total loans | $127,480,000 | 3,217 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0049% | 942 |
| Cost of funding earning assets | 1.4692% | 3,431 |
| Net interest margin | 4.5358% | 1,135 |
| Noninterest income to average assets | 0.1222% | 6,987 |
| Noninterest expense to average assets | 2.2816% | 6,399 |
| Loan and lease loss provision to assets | 0.4033% | 3,303 |
| Net operating income to assets | 1.8048% | 483 |
| Return on assets (ROA) | 1.8587% | 479 |
| Pretax return on assets | 1.8587% | 801 |
| Return on Equity (ROE) | 20.9485% | 259 |
| Retained earnings to average equity (ytd only) | 13.4130% | 345 |
| Net charge-offs to loans | 0.6512% | 2,591 |
| Credit loss provision to net charge-offs | 73.4450% | 4,877 |
| Earnings coverage of net charge-offs (x) | 4.0215% | 3,085 |
| Efficiency ratio | 50.8192% | 7,169 |
| Assets per employee ($millions) | 4.1756% | 3,436 |
| Cash dividends to net income (ytd only)* | 35.9717% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2329% | 1,700 |
| Loan loss allowance to noncurrent loans | 44.6218% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 5.1324% | 1,237 |
| Noncurrent loans to loans | 5.0041% | 1,376 |
| Net loans and leases to total assets | 81.4409% | 604 |
| Net loans and leases to deposits | 100.7290% | 663 |
| Net loans and leases to core deposits | 114.4152% | 902 |
| Total domestic deposits to total assets | 80.8515% | 5,453 |
| Equity capital to assets | 9.3580% | 4,917 |
| Core capital (leverage) ratio | 8.9971% | 4,603 |
| Tier 1 risk-based capital ratio | 12.5333% | 4,829 |
| Total risk-based capital ratio | 13.7977% | 4,792 |
| Memoranda: | ||
| Average total assets | $152,259,330 | 3,916 |
| Average earning assets | $146,613,000 | 3,772 |
| Average equity | $13,509,330 | 4,316 |
| Average total loans | $128,384,000 | 3,230 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9915% | 995 |
| Cost of funding earning assets | 1.5824% | 3,062 |
| Net interest margin | 4.4091% | 1,365 |
| Noninterest income to average assets | 0.1070% | 7,160 |
| Noninterest expense to average assets | 2.2946% | 6,393 |
| Loan and lease loss provision to assets | 0.2376% | 4,145 |
| Net operating income to assets | 1.8299% | 463 |
| Return on assets (ROA) | 1.9004% | 444 |
| Pretax return on assets | 1.9004% | 730 |
| Return on Equity (ROE) | 22.0098% | 268 |
| Retained earnings to average equity (ytd only) | 12.4561% | 685 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6032% | 7,093 |
| Assets per employee ($millions) | 4.2177% | 3,434 |
| Cash dividends to net income (ytd only)* | 43.4066% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3043% | 1,572 |
| Loan loss allowance to noncurrent loans | 39.8776% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 5.2194% | 1,207 |
| Noncurrent loans to loans | 5.7785% | 1,173 |
| Net loans and leases to total assets | 83.7121% | 399 |
| Net loans and leases to deposits | 104.2870% | 513 |
| Net loans and leases to core deposits | 118.8962% | 828 |
| Total domestic deposits to total assets | 80.2709% | 5,697 |
| Equity capital to assets | 8.8437% | 5,477 |
| Core capital (leverage) ratio | 8.5202% | 5,341 |
| Tier 1 risk-based capital ratio | 11.8617% | 5,332 |
| Total risk-based capital ratio | 13.1294% | 5,269 |
| Memoranda: | ||
| Average total assets | $153,229,000 | 3,955 |
| Average earning assets | $147,876,500 | 3,804 |
| Average equity | $13,230,500 | 4,427 |
| Average total loans | $129,967,000 | 3,261 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2624% | 1,092 |
| Cost of funding earning assets | 2.2545% | 1,825 |
| Net interest margin | 4.0079% | 2,825 |
| Noninterest income to average assets | 0.1303% | 7,102 |
| Noninterest expense to average assets | 2.1258% | 7,129 |
| Loan and lease loss provision to assets | 1.2373% | 1,862 |
| Net operating income to assets | 0.5942% | 3,354 |
| Return on assets (ROA) | 0.5955% | 3,430 |
| Pretax return on assets | 0.6418% | 3,774 |
| Return on Equity (ROE) | 7.0516% | 2,771 |
| Retained earnings to average equity (ytd only) | 3.4710% | 2,740 |
| Net charge-offs to loans | 0.4729% | 3,889 |
| Credit loss provision to net charge-offs | 317.4873% | 1,027 |
| Earnings coverage of net charge-offs (x) | 4.8183% | 2,807 |
| Efficiency ratio | 53.0987% | 7,316 |
| Assets per employee ($millions) | 4.4177% | 3,069 |
| Cash dividends to net income (ytd only)* | 50.7778% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2391% | 1,580 |
| Loan loss allowance to noncurrent loans | 42.3576% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 4.7018% | 1,350 |
| Noncurrent loans to loans | 5.2861% | 1,242 |
| Net loans and leases to total assets | 82.0865% | 671 |
| Net loans and leases to deposits | 101.4524% | 792 |
| Net loans and leases to core deposits | 131.5796% | 1,192 |
| Total domestic deposits to total assets | 80.9114% | 5,369 |
| Equity capital to assets | 8.4290% | 6,008 |
| Core capital (leverage) ratio | 8.2487% | 5,725 |
| Tier 1 risk-based capital ratio | 11.4296% | 5,475 |
| Total risk-based capital ratio | 12.6963% | 5,419 |
| Memoranda: | ||
| Average total assets | $151,141,400 | 3,939 |
| Average earning assets | $146,062,600 | 3,776 |
| Average equity | $12,763,000 | 4,569 |
| Average total loans | $124,558,600 | 3,389 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3353% | 1,059 |
| Cost of funding earning assets | 2.4014% | 1,629 |
| Net interest margin | 3.9339% | 3,103 |
| Noninterest income to average assets | 0.1863% | 6,883 |
| Noninterest expense to average assets | 2.1951% | 6,992 |
| Loan and lease loss provision to assets | 0.9006% | 2,135 |
| Net operating income to assets | 0.8323% | 2,690 |
| Return on assets (ROA) | 0.8323% | 2,750 |
| Pretax return on assets | 0.8944% | 3,246 |
| Return on Equity (ROE) | 9.8510% | 1,976 |
| Retained earnings to average equity (ytd only) | 5.0516% | 2,457 |
| Net charge-offs to loans | 0.2423% | 4,535 |
| Credit loss provision to net charge-offs | 453.1250% | 875 |
| Earnings coverage of net charge-offs (x) | 9.0312% | 2,159 |
| Efficiency ratio | 55.0145% | 7,114 |
| Assets per employee ($millions) | 4.3710% | 3,084 |
| Cash dividends to net income (ytd only)* | 48.7207% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 2,087 |
| Loan loss allowance to noncurrent loans | 56.8438% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 3.5385% | 1,870 |
| Noncurrent loans to loans | 3.2997% | 2,287 |
| Net loans and leases to total assets | 80.3560% | 1,115 |
| Net loans and leases to deposits | 99.7609% | 1,126 |
| Net loans and leases to core deposits | 137.4402% | 1,038 |
| Total domestic deposits to total assets | 80.5486% | 5,227 |
| Equity capital to assets | 8.2367% | 6,586 |
| Core capital (leverage) ratio | 8.4421% | 5,590 |
| Tier 1 risk-based capital ratio | 11.2363% | 5,705 |
| Total risk-based capital ratio | 12.4971% | 5,641 |
| Memoranda: | ||
| Average total assets | $150,271,500 | 3,975 |
| Average earning assets | $145,298,500 | 3,813 |
| Average equity | $12,695,500 | 4,605 |
| Average total loans | $123,240,750 | 3,441 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3775% | 1,052 |
| Cost of funding earning assets | 2.5614% | 1,397 |
| Net interest margin | 3.8162% | 3,482 |
| Noninterest income to average assets | 0.1920% | 6,919 |
| Noninterest expense to average assets | 2.2514% | 6,914 |
| Loan and lease loss provision to assets | 0.6517% | 2,477 |
| Net operating income to assets | 0.9154% | 2,393 |
| Return on assets (ROA) | 0.9154% | 2,490 |
| Pretax return on assets | 0.9776% | 3,090 |
| Return on Equity (ROE) | 10.7401% | 1,773 |
| Retained earnings to average equity (ytd only) | 5.3462% | 2,325 |
| Net charge-offs to loans | 0.2752% | 3,820 |
| Credit loss provision to net charge-offs | 288.6228% | 1,620 |
| Earnings coverage of net charge-offs (x) | 7.2156% | 2,478 |
| Efficiency ratio | 58.0139% | 6,866 |
| Assets per employee ($millions) | 4.4326% | 2,872 |
| Cash dividends to net income (ytd only)* | 50.2216% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 2,890 |
| Loan loss allowance to noncurrent loans | 30.9915% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 5.4390% | 932 |
| Noncurrent loans to loans | 5.0526% | 1,209 |
| Net loans and leases to total assets | 80.9611% | 1,146 |
| Net loans and leases to deposits | 103.0593% | 984 |
| Net loans and leases to core deposits | 145.2202% | 787 |
| Total domestic deposits to total assets | 78.5577% | 5,936 |
| Equity capital to assets | 8.4422% | 6,139 |
| Core capital (leverage) ratio | 8.4888% | 5,471 |
| Tier 1 risk-based capital ratio | 11.2943% | 5,602 |
| Total risk-based capital ratio | 12.5503% | 5,496 |
| Memoranda: | ||
| Average total assets | $147,910,000 | 4,031 |
| Average earning assets | $142,970,330 | 3,878 |
| Average equity | $12,607,000 | 4,656 |
| Average total loans | $121,367,000 | 3,509 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3011% | 1,295 |
| Cost of funding earning assets | 2.7154% | 1,225 |
| Net interest margin | 3.5857% | 4,378 |
| Noninterest income to average assets | 0.2157% | 6,752 |
| Noninterest expense to average assets | 2.2305% | 6,760 |
| Loan and lease loss provision to assets | 0.3085% | 3,491 |
| Net operating income to assets | 1.0648% | 2,089 |
| Return on assets (ROA) | 1.0648% | 2,219 |
| Pretax return on assets | 1.1521% | 2,792 |
| Return on Equity (ROE) | 12.4313% | 1,535 |
| Retained earnings to average equity (ytd only) | 6.0563% | 2,598 |
| Net charge-offs to loans | 0.0500% | 4,775 |
| Credit loss provision to net charge-offs | 753.3333% | 790 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 933 |
| Efficiency ratio | 60.4290% | 6,333 |
| Assets per employee ($millions) | 4.2658% | 3,135 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 3,392 |
| Loan loss allowance to noncurrent loans | 25.2416% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 4.8466% | 955 |
| Noncurrent loans to loans | 5.6256% | 894 |
| Net loans and leases to total assets | 80.1630% | 1,351 |
| Net loans and leases to deposits | 102.2451% | 1,152 |
| Net loans and leases to core deposits | 146.4753% | 836 |
| Total domestic deposits to total assets | 78.4028% | 5,885 |
| Equity capital to assets | 8.5183% | 6,043 |
| Core capital (leverage) ratio | 8.5133% | 5,506 |
| Tier 1 risk-based capital ratio | 11.3445% | 5,554 |
| Total risk-based capital ratio | 12.5984% | 5,455 |
| Memoranda: | ||
| Average total assets | $146,511,500 | 4,067 |
| Average earning assets | $142,007,000 | 3,914 |
| Average equity | $12,549,000 | 4,692 |
| Average total loans | $120,073,000 | 3,556 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2572% | 650 |
| Cost of funding earning assets | 3.0895% | 1,538 |
| Net interest margin | 4.1676% | 2,442 |
| Noninterest income to average assets | 0.2050% | 6,977 |
| Noninterest expense to average assets | 2.1207% | 7,187 |
| Loan and lease loss provision to assets | 0.3575% | 3,540 |
| Net operating income to assets | 1.7468% | 615 |
| Return on assets (ROA) | 1.7483% | 588 |
| Pretax return on assets | 1.7490% | 1,054 |
| Return on Equity (ROE) | 19.6994% | 400 |
| Retained earnings to average equity (ytd only) | 10.1797% | 424 |
| Net charge-offs to loans | 0.0467% | 6,119 |
| Credit loss provision to net charge-offs | 952.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 56.0600% | 704 |
| Efficiency ratio | 50.1866% | 7,651 |
| Assets per employee ($millions) | 4.1063% | 3,295 |
| Cash dividends to net income (ytd only)* | 48.3247% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,363 |
| Loan loss allowance to noncurrent loans | 54.1819% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.3894% | 2,033 |
| Noncurrent loans to loans | 2.5274% | 2,151 |
| Net loans and leases to total assets | 81.4850% | 1,324 |
| Net loans and leases to deposits | 104.8978% | 1,249 |
| Net loans and leases to core deposits | 154.6367% | 694 |
| Total domestic deposits to total assets | 77.6804% | 5,809 |
| Equity capital to assets | 8.6139% | 5,914 |
| Core capital (leverage) ratio | 8.9156% | 4,866 |
| Tier 1 risk-based capital ratio | 11.3501% | 5,387 |
| Total risk-based capital ratio | 12.6026% | 5,289 |
| Memoranda: | ||
| Average total assets | $133,160,800 | 4,216 |
| Average earning assets | $128,466,400 | 4,070 |
| Average equity | $11,817,600 | 4,883 |
| Average total loans | $107,121,400 | 3,763 |