Home > Mid-Central National Bank > Performance and Condition Ratios
Mid-Central National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 2,716 |
| Cost of funding earning assets | 0.5596% | 4,130 |
| Net interest margin | 4.1251% | 1,042 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 3.3640% | 690 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 0.7822% | 2,926 |
| Return on assets (ROA) | 0.7803% | 2,915 |
| Pretax return on assets | 1.0010% | 2,688 |
| Return on Equity (ROE) | 4.5600% | 3,804 |
| Retained earnings to average equity (ytd only) | 4.5573% | 2,768 |
| Net charge-offs to loans | 0.0803% | 1,058 |
| Credit loss provision to net charge-offs | 461.9048% | 715 |
| Earnings coverage of net charge-offs (x) | 24.8254% | 1,746 |
| Efficiency ratio | 73.1824% | 1,536 |
| Assets per employee ($millions) | 3.5204% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 4,229 |
| Loan loss allowance to noncurrent loans | 426.7857% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,777 |
| Noncurrent loans to loans | 0.1425% | 2,800 |
| Net loans and leases to total assets | 63.4000% | 2,522 |
| Net loans and leases to deposits | 77.8208% | 2,281 |
| Net loans and leases to core deposits | 79.3109% | 2,750 |
| Total domestic deposits to total assets | 81.4700% | 3,232 |
| Equity capital to assets | 18.2364% | 340 |
| Core capital (leverage) ratio | 15.5043% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2211% | 237 |
| Memoranda: | ||
| Average total assets | $126,872,000 | 3,579 |
| Average earning assets | $117,935,400 | 3,566 |
| Average equity | $21,723,400 | 2,717 |
| Average total loans | $78,415,600 | 3,432 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 2,701 |
| Cost of funding earning assets | 0.5099% | 4,123 |
| Net interest margin | 4.0795% | 1,096 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 3.3566% | 664 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.7631% | 3,128 |
| Return on assets (ROA) | 0.7606% | 3,129 |
| Pretax return on assets | 1.0632% | 2,678 |
| Return on Equity (ROE) | 4.5100% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.5131% | 3,096 |
| Net charge-offs to loans | 0.0170% | 1,791 |
| Credit loss provision to net charge-offs | 1,870.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 120.9000% | 838 |
| Efficiency ratio | 72.6841% | 1,488 |
| Assets per employee ($millions) | 3.7608% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5432% | 4,322 |
| Loan loss allowance to noncurrent loans | 302.8369% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 2,654 |
| Noncurrent loans to loans | 0.1794% | 2,648 |
| Net loans and leases to total assets | 62.9900% | 2,559 |
| Net loans and leases to deposits | 77.0670% | 2,327 |
| Net loans and leases to core deposits | 78.7207% | 2,697 |
| Total domestic deposits to total assets | 81.7400% | 3,266 |
| Equity capital to assets | 17.7381% | 360 |
| Core capital (leverage) ratio | 15.1599% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4457% | 262 |
| Memoranda: | ||
| Average total assets | $127,786,250 | 3,588 |
| Average earning assets | $118,704,500 | 3,574 |
| Average equity | $21,536,750 | 2,718 |
| Average total loans | $78,369,500 | 3,436 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 2,934 |
| Cost of funding earning assets | 0.4404% | 4,097 |
| Net interest margin | 3.9400% | 1,349 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.3749% | 625 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.5281% | 3,750 |
| Return on assets (ROA) | 0.5317% | 3,750 |
| Pretax return on assets | 0.7364% | 3,528 |
| Return on Equity (ROE) | 3.2100% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.2090% | 3,418 |
| Net charge-offs to loans | 0.0179% | 1,552 |
| Credit loss provision to net charge-offs | 1,928.5714% | 272 |
| Earnings coverage of net charge-offs (x) | 86.7143% | 1,007 |
| Efficiency ratio | 78.1968% | 988 |
| Assets per employee ($millions) | 4.2801% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4834% | 4,390 |
| Loan loss allowance to noncurrent loans | 169.5067% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 2,181 |
| Noncurrent loans to loans | 0.2852% | 2,125 |
| Net loans and leases to total assets | 62.6900% | 2,511 |
| Net loans and leases to deposits | 76.2801% | 2,284 |
| Net loans and leases to core deposits | 77.6658% | 2,643 |
| Total domestic deposits to total assets | 82.1800% | 3,196 |
| Equity capital to assets | 17.3829% | 370 |
| Core capital (leverage) ratio | 14.6399% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5818% | 264 |
| Memoranda: | ||
| Average total assets | $129,013,000 | 3,581 |
| Average earning assets | $119,897,000 | 3,573 |
| Average equity | $21,377,667 | 2,747 |
| Average total loans | $78,291,667 | 3,439 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 2,865 |
| Cost of funding earning assets | 0.3892% | 3,993 |
| Net interest margin | 3.8855% | 1,506 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 3.3775% | 620 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.5234% | 3,838 |
| Return on assets (ROA) | 0.5234% | 3,798 |
| Pretax return on assets | 0.7120% | 3,634 |
| Return on Equity (ROE) | 3.2300% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.2333% | 3,453 |
| Net charge-offs to loans | 0.0408% | 952 |
| Credit loss provision to net charge-offs | 862.5000% | 395 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 1,212 |
| Efficiency ratio | 78.6119% | 946 |
| Assets per employee ($millions) | 4.3225% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4002% | 4,498 |
| Loan loss allowance to noncurrent loans | 61.2205% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 1,250 |
| Noncurrent loans to loans | 0.6538% | 1,150 |
| Net loans and leases to total assets | 59.6800% | 2,696 |
| Net loans and leases to deposits | 71.8086% | 2,483 |
| Net loans and leases to core deposits | 73.4769% | 2,720 |
| Total domestic deposits to total assets | 83.1100% | 3,277 |
| Equity capital to assets | 16.5282% | 369 |
| Core capital (leverage) ratio | 13.8683% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6948% | 268 |
| Memoranda: | ||
| Average total assets | $131,458,500 | 3,599 |
| Average earning assets | $122,302,000 | 3,577 |
| Average equity | $21,278,500 | 2,773 |
| Average total loans | $78,343,000 | 3,477 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 2,929 |
| Cost of funding earning assets | 0.1628% | 4,043 |
| Net interest margin | 3.3919% | 2,285 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 3.0734% | 868 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.3703% | 4,284 |
| Return on assets (ROA) | 0.3703% | 4,251 |
| Pretax return on assets | 0.5217% | 4,147 |
| Return on Equity (ROE) | 2.3800% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.3790% | 3,896 |
| Net charge-offs to loans | 0.1158% | 652 |
| Credit loss provision to net charge-offs | 206.7416% | 1,098 |
| Earnings coverage of net charge-offs (x) | 10.0449% | 2,205 |
| Efficiency ratio | 82.3912% | 574 |
| Assets per employee ($millions) | 4.0376% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2925% | 4,553 |
| Loan loss allowance to noncurrent loans | 44.3378% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 821 |
| Noncurrent loans to loans | 0.6596% | 1,129 |
| Net loans and leases to total assets | 59.1100% | 2,719 |
| Net loans and leases to deposits | 70.8657% | 2,505 |
| Net loans and leases to core deposits | 72.2876% | 2,702 |
| Total domestic deposits to total assets | 83.4000% | 3,336 |
| Equity capital to assets | 15.8539% | 396 |
| Core capital (leverage) ratio | 13.4128% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6250% | 271 |
| Memoranda: | ||
| Average total assets | $136,105,400 | 3,574 |
| Average earning assets | $126,566,600 | 3,562 |
| Average equity | $21,185,600 | 2,841 |
| Average total loans | $76,838,800 | 3,458 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4101% | 2,888 |
| Cost of funding earning assets | 0.1237% | 4,096 |
| Net interest margin | 3.2864% | 2,336 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 3.1168% | 762 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.2954% | 4,386 |
| Return on assets (ROA) | 0.2954% | 4,344 |
| Pretax return on assets | 0.4167% | 4,253 |
| Return on Equity (ROE) | 1.9300% | 4,414 |
| Retained earnings to average equity (ytd only) | 1.9343% | 4,047 |
| Net charge-offs to loans | 0.0891% | 686 |
| Credit loss provision to net charge-offs | 250.9804% | 890 |
| Earnings coverage of net charge-offs (x) | 10.8627% | 1,968 |
| Efficiency ratio | 85.1872% | 489 |
| Assets per employee ($millions) | 3.9909% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2742% | 4,597 |
| Loan loss allowance to noncurrent loans | 28.9402% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 669 |
| Noncurrent loans to loans | 0.9475% | 822 |
| Net loans and leases to total assets | 57.0900% | 2,788 |
| Net loans and leases to deposits | 68.0693% | 2,530 |
| Net loans and leases to core deposits | 69.2157% | 2,700 |
| Total domestic deposits to total assets | 83.8700% | 3,529 |
| Equity capital to assets | 15.4654% | 414 |
| Core capital (leverage) ratio | 13.0790% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9653% | 272 |
| Memoranda: | ||
| Average total assets | $136,290,250 | 3,596 |
| Average earning assets | $127,227,500 | 3,583 |
| Average equity | $20,816,500 | 2,922 |
| Average total loans | $76,302,500 | 3,480 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2288% | 2,956 |
| Cost of funding earning assets | 0.1144% | 4,027 |
| Net interest margin | 3.1144% | 2,489 |
| Noninterest income to average assets | 0.5715% | 1,858 |
| Noninterest expense to average assets | 3.4317% | 462 |
| Loan and lease loss provision to assets | 0.1333% | 718 |
| Net operating income to assets | -0.0586% | 4,601 |
| Return on assets (ROA) | -0.0586% | 4,571 |
| Pretax return on assets | -0.0821% | 4,571 |
| Return on Equity (ROE) | -0.3854% | 4,564 |
| Retained earnings to average equity (ytd only) | -0.3854% | 4,226 |
| Net charge-offs to loans | 0.1002% | 585 |
| Credit loss provision to net charge-offs | 239.4737% | 891 |
| Earnings coverage of net charge-offs (x) | 0.9211% | 2,085 |
| Efficiency ratio | 98.5276% | 209 |
| Assets per employee ($millions) | 3.8950% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2488% | 4,680 |
| Loan loss allowance to noncurrent loans | 25.2674% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 552 |
| Noncurrent loans to loans | 0.9845% | 849 |
| Net loans and leases to total assets | 55.5917% | 2,799 |
| Net loans and leases to deposits | 65.7522% | 2,568 |
| Net loans and leases to core deposits | 66.9967% | 2,740 |
| Total domestic deposits to total assets | 84.5473% | 3,577 |
| Equity capital to assets | 15.1094% | 392 |
| Core capital (leverage) ratio | 13.2034% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8210% | 374 |
| Memoranda: | ||
| Average total assets | $136,490,333 | 3,633 |
| Average earning assets | $127,601,333 | 3,627 |
| Average equity | $20,760,333 | 2,993 |
| Average total loans | $75,842,667 | 3,516 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0801% | 3,037 |
| Cost of funding earning assets | 0.1034% | 4,093 |
| Net interest margin | 2.9767% | 2,578 |
| Noninterest income to average assets | 0.5331% | 1,982 |
| Noninterest expense to average assets | 3.4531% | 441 |
| Loan and lease loss provision to assets | 0.0879% | 942 |
| Net operating income to assets | -0.1611% | 4,625 |
| Return on assets (ROA) | -0.1611% | 4,609 |
| Pretax return on assets | -0.2255% | 4,619 |
| Return on Equity (ROE) | -1.0556% | 4,590 |
| Retained earnings to average equity (ytd only) | -1.0556% | 4,148 |
| Net charge-offs to loans | 0.0422% | 861 |
| Credit loss provision to net charge-offs | 375.0000% | 596 |
| Earnings coverage of net charge-offs (x) | -5.8750% | 1,808 |
| Efficiency ratio | 104.1519% | 187 |
| Assets per employee ($millions) | 3.8789% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2098% | 4,715 |
| Loan loss allowance to noncurrent loans | 30.2682% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 691 |
| Noncurrent loans to loans | 0.6931% | 1,369 |
| Net loans and leases to total assets | 55.3554% | 2,593 |
| Net loans and leases to deposits | 65.4682% | 2,383 |
| Net loans and leases to core deposits | 66.8913% | 2,551 |
| Total domestic deposits to total assets | 84.5530% | 3,647 |
| Equity capital to assets | 15.2459% | 374 |
| Core capital (leverage) ratio | 12.9054% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3829% | 321 |
| Memoranda: | ||
| Average total assets | $136,572,500 | 3,652 |
| Average earning assets | $127,659,000 | 3,642 |
| Average equity | $20,841,500 | 3,071 |
| Average total loans | $75,776,500 | 3,527 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 2,772 |
| Cost of funding earning assets | 0.1513% | 3,961 |
| Net interest margin | 3.3099% | 2,290 |
| Noninterest income to average assets | 0.7572% | 1,575 |
| Noninterest expense to average assets | 3.4936% | 479 |
| Loan and lease loss provision to assets | 0.0975% | 1,275 |
| Net operating income to assets | 0.1879% | 4,550 |
| Return on assets (ROA) | 0.1879% | 4,564 |
| Pretax return on assets | 0.2647% | 4,522 |
| Return on Equity (ROE) | 1.2607% | 4,583 |
| Retained earnings to average equity (ytd only) | 1.2607% | 4,187 |
| Net charge-offs to loans | 0.0254% | 1,740 |
| Credit loss provision to net charge-offs | 652.3810% | 689 |
| Earnings coverage of net charge-offs (x) | 24.2381% | 1,752 |
| Efficiency ratio | 90.6054% | 310 |
| Assets per employee ($millions) | 3.7131% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1784% | 4,761 |
| Loan loss allowance to noncurrent loans | 78.1609% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 1,225 |
| Noncurrent loans to loans | 0.2282% | 2,814 |
| Net loans and leases to total assets | 55.3980% | 2,694 |
| Net loans and leases to deposits | 65.7543% | 2,537 |
| Net loans and leases to core deposits | 67.1709% | 2,722 |
| Total domestic deposits to total assets | 84.2500% | 3,485 |
| Equity capital to assets | 15.2747% | 461 |
| Core capital (leverage) ratio | 12.8353% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1941% | 300 |
| Memoranda: | ||
| Average total assets | $140,512,200 | 3,576 |
| Average earning assets | $131,545,800 | 3,553 |
| Average equity | $20,941,400 | 3,132 |
| Average total loans | $82,572,600 | 3,430 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5428% | 2,712 |
| Cost of funding earning assets | 0.1693% | 3,928 |
| Net interest margin | 3.3735% | 2,226 |
| Noninterest income to average assets | 0.7568% | 1,652 |
| Noninterest expense to average assets | 3.3971% | 533 |
| Loan and lease loss provision to assets | 0.1189% | 996 |
| Net operating income to assets | 0.2840% | 4,541 |
| Return on assets (ROA) | 0.2840% | 4,564 |
| Pretax return on assets | 0.4001% | 4,493 |
| Return on Equity (ROE) | 1.9174% | 4,603 |
| Retained earnings to average equity (ytd only) | 1.9174% | 4,213 |
| Net charge-offs to loans | 0.0317% | 1,429 |
| Credit loss provision to net charge-offs | 635.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,573 |
| Efficiency ratio | 86.7470% | 410 |
| Assets per employee ($millions) | 3.7151% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1589% | 4,842 |
| Loan loss allowance to noncurrent loans | 94.0741% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 1,413 |
| Noncurrent loans to loans | 0.1689% | 3,271 |
| Net loans and leases to total assets | 58.0387% | 2,492 |
| Net loans and leases to deposits | 68.8780% | 2,345 |
| Net loans and leases to core deposits | 70.1671% | 2,579 |
| Total domestic deposits to total assets | 84.2631% | 3,384 |
| Equity capital to assets | 15.3026% | 495 |
| Core capital (leverage) ratio | 12.5720% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3738% | 290 |
| Memoranda: | ||
| Average total assets | $141,294,250 | 3,613 |
| Average earning assets | $132,323,000 | 3,589 |
| Average equity | $20,930,500 | 3,171 |
| Average total loans | $84,154,750 | 3,459 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 2,554 |
| Cost of funding earning assets | 0.2483% | 3,294 |
| Net interest margin | 3.3747% | 2,218 |
| Noninterest income to average assets | 0.7968% | 1,543 |
| Noninterest expense to average assets | 3.2194% | 695 |
| Loan and lease loss provision to assets | 0.1192% | 1,056 |
| Net operating income to assets | 0.4419% | 4,314 |
| Return on assets (ROA) | 0.4419% | 4,356 |
| Pretax return on assets | 0.6228% | 4,199 |
| Return on Equity (ROE) | 3.0150% | 4,474 |
| Retained earnings to average equity (ytd only) | 3.0150% | 3,833 |
| Net charge-offs to loans | 0.0584% | 1,030 |
| Credit loss provision to net charge-offs | 340.0000% | 835 |
| Earnings coverage of net charge-offs (x) | 21.1600% | 1,512 |
| Efficiency ratio | 81.2677% | 714 |
| Assets per employee ($millions) | 3.9139% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1262% | 4,883 |
| Loan loss allowance to noncurrent loans | 10.8471% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 1,151 |
| Noncurrent loans to loans | 1.1630% | 1,042 |
| Net loans and leases to total assets | 58.9983% | 2,542 |
| Net loans and leases to deposits | 69.7061% | 2,444 |
| Net loans and leases to core deposits | 71.4662% | 2,650 |
| Total domestic deposits to total assets | 84.6386% | 3,244 |
| Equity capital to assets | 14.9391% | 538 |
| Core capital (leverage) ratio | 12.1287% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3444% | 325 |
| Memoranda: | ||
| Average total assets | $142,572,333 | 3,605 |
| Average earning assets | $133,702,000 | 3,589 |
| Average equity | $20,895,667 | 3,169 |
| Average total loans | $85,570,667 | 3,465 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7188% | 2,320 |
| Cost of funding earning assets | 0.4073% | 2,041 |
| Net interest margin | 3.3115% | 2,354 |
| Noninterest income to average assets | 0.9149% | 1,288 |
| Noninterest expense to average assets | 3.2104% | 710 |
| Loan and lease loss provision to assets | 0.1395% | 963 |
| Net operating income to assets | 0.4770% | 4,221 |
| Return on assets (ROA) | 0.4770% | 4,256 |
| Pretax return on assets | 0.6722% | 4,075 |
| Return on Equity (ROE) | 3.2855% | 4,418 |
| Retained earnings to average equity (ytd only) | 3.2855% | 3,692 |
| Net charge-offs to loans | 0.1199% | 596 |
| Credit loss provision to net charge-offs | 192.3077% | 902 |
| Earnings coverage of net charge-offs (x) | 11.1923% | 1,466 |
| Efficiency ratio | 79.8197% | 831 |
| Assets per employee ($millions) | 4.1576% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0825% | 4,922 |
| Loan loss allowance to noncurrent loans | 9.8870% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 1,850 |
| Noncurrent loans to loans | 0.8348% | 1,600 |
| Net loans and leases to total assets | 58.2317% | 2,777 |
| Net loans and leases to deposits | 68.2191% | 2,679 |
| Net loans and leases to core deposits | 69.8983% | 2,870 |
| Total domestic deposits to total assets | 85.3598% | 2,975 |
| Equity capital to assets | 14.3660% | 599 |
| Core capital (leverage) ratio | 12.0461% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7329% | 330 |
| Memoranda: | ||
| Average total assets | $143,409,000 | 3,601 |
| Average earning assets | $134,560,000 | 3,580 |
| Average equity | $20,819,000 | 3,169 |
| Average total loans | $86,739,500 | 3,456 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3488% | 4,957 |
| Cost of funding earning assets | 0.2481% | 4,383 |
| Net interest margin | 1.1008% | 4,952 |
| Noninterest income to average assets | 0.3985% | 3,096 |
| Noninterest expense to average assets | 1.0713% | 4,918 |
| Loan and lease loss provision to assets | 0.0563% | 3,665 |
| Net operating income to assets | 0.2274% | 4,538 |
| Return on assets (ROA) | 0.2274% | 4,597 |
| Pretax return on assets | 0.3180% | 4,521 |
| Return on Equity (ROE) | 1.9307% | 4,577 |
| Retained earnings to average equity (ytd only) | 1.9307% | 3,857 |
| Net charge-offs to loans | 0.0641% | 1,860 |
| Credit loss provision to net charge-offs | 116.1290% | 2,673 |
| Earnings coverage of net charge-offs (x) | 7.7258% | 2,669 |
| Efficiency ratio | 74.1081% | 1,428 |
| Assets per employee ($millions) | 4.0372% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0226% | 4,946 |
| Loan loss allowance to noncurrent loans | 2.6247% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 1,875 |
| Noncurrent loans to loans | 0.8593% | 1,642 |
| Net loans and leases to total assets | 62.7398% | 2,517 |
| Net loans and leases to deposits | 73.8822% | 2,496 |
| Net loans and leases to core deposits | 75.7567% | 2,751 |
| Total domestic deposits to total assets | 84.9187% | 2,796 |
| Equity capital to assets | 14.6729% | 640 |
| Core capital (leverage) ratio | 12.0514% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9542% | 442 |
| Memoranda: | ||
| Average total assets | $127,971,600 | 3,655 |
| Average earning assets | $121,734,600 | 3,605 |
| Average equity | $15,072,000 | 3,645 |
| Average total loans | $96,698,400 | 3,282 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4145% | 5,029 |
| Cost of funding earning assets | 0.0941% | 4,927 |
| Net interest margin | 0.3204% | 5,027 |
| Noninterest income to average assets | 0.0792% | 4,824 |
| Noninterest expense to average assets | 0.3370% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0481% | 4,739 |
| Return on assets (ROA) | 0.0118% | 4,784 |
| Pretax return on assets | 0.0118% | 4,780 |
| Return on Equity (ROE) | 0.1074% | 4,782 |
| Retained earnings to average equity (ytd only) | 0.1074% | 4,459 |
| Net charge-offs to loans | 0.1851% | 808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 0.3285% | 3,133 |
| Efficiency ratio | 87.5000% | 436 |
| Assets per employee ($millions) | 3.9400% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,986 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 2,062 |
| Noncurrent loans to loans | 0.7793% | 1,869 |
| Net loans and leases to total assets | 67.8356% | 2,270 |
| Net loans and leases to deposits | 79.9286% | 2,322 |
| Net loans and leases to core deposits | 82.0004% | 2,662 |
| Total domestic deposits to total assets | 84.8703% | 2,492 |
| Equity capital to assets | 14.8317% | 675 |
| Core capital (leverage) ratio | 12.0009% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8657% | 457 |
| Memoranda: | ||
| Average total assets | $124,639,250 | 3,685 |
| Average earning assets | $119,026,750 | 3,623 |
| Average equity | $13,656,750 | 3,798 |
| Average total loans | $98,705,000 | 3,262 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 2,426 |
| Cost of funding earning assets | 0.9660% | 1,087 |
| Net interest margin | 3.3523% | 3,241 |
| Noninterest income to average assets | 0.7270% | 1,649 |
| Noninterest expense to average assets | 3.3389% | 938 |
| Loan and lease loss provision to assets | 0.2662% | 1,601 |
| Net operating income to assets | 0.3494% | 4,336 |
| Return on assets (ROA) | 0.3494% | 4,390 |
| Pretax return on assets | 0.3494% | 4,473 |
| Return on Equity (ROE) | 3.6870% | 4,197 |
| Retained earnings to average equity (ytd only) | 3.6870% | 3,071 |
| Net charge-offs to loans | 0.2330% | 676 |
| Credit loss provision to net charge-offs | 136.7521% | 2,193 |
| Earnings coverage of net charge-offs (x) | 3.1624% | 2,705 |
| Efficiency ratio | 84.4342% | 616 |
| Assets per employee ($millions) | 3.5345% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 4,241 |
| Loan loss allowance to noncurrent loans | 356.7686% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 2,721 |
| Noncurrent loans to loans | 0.2340% | 3,539 |
| Net loans and leases to total assets | 78.4432% | 796 |
| Net loans and leases to deposits | 86.7644% | 1,686 |
| Net loans and leases to core deposits | 89.1747% | 2,143 |
| Total domestic deposits to total assets | 90.4095% | 295 |
| Equity capital to assets | 9.2873% | 3,844 |
| Core capital (leverage) ratio | 9.2189% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5040% | 1,130 |
| Memoranda: | ||
| Average total assets | $120,218,667 | 3,718 |
| Average earning assets | $115,740,000 | 3,652 |
| Average equity | $11,391,333 | 4,061 |
| Average total loans | $100,424,667 | 3,223 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 2,491 |
| Cost of funding earning assets | 0.9928% | 1,448 |
| Net interest margin | 3.4416% | 3,180 |
| Noninterest income to average assets | 0.4727% | 2,691 |
| Noninterest expense to average assets | 3.3627% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4220% | 4,084 |
| Return on assets (ROA) | 0.4220% | 4,123 |
| Pretax return on assets | 0.4220% | 4,255 |
| Return on Equity (ROE) | 4.4082% | 3,849 |
| Retained earnings to average equity (ytd only) | 4.4082% | 2,534 |
| Net charge-offs to loans | 0.2478% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.9841% | 2,324 |
| Efficiency ratio | 88.8492% | 544 |
| Assets per employee ($millions) | 3.2558% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 4,597 |
| Loan loss allowance to noncurrent loans | 139.6857% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 2,084 |
| Noncurrent loans to loans | 0.5069% | 2,750 |
| Net loans and leases to total assets | 82.7686% | 374 |
| Net loans and leases to deposits | 93.3832% | 1,137 |
| Net loans and leases to core deposits | 95.8943% | 1,801 |
| Total domestic deposits to total assets | 88.6333% | 826 |
| Equity capital to assets | 9.4674% | 4,251 |
| Core capital (leverage) ratio | 9.4848% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1888% | 3,297 |
| Memoranda: | ||
| Average total assets | $118,475,000 | 3,726 |
| Average earning assets | $114,017,500 | 3,644 |
| Average equity | $11,342,500 | 4,089 |
| Average total loans | $101,709,000 | 3,198 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6982% | 2,333 |
| Cost of funding earning assets | 0.9650% | 1,884 |
| Net interest margin | 3.7333% | 2,719 |
| Noninterest income to average assets | 0.7106% | 1,776 |
| Noninterest expense to average assets | 3.4129% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8895% | 3,251 |
| Return on assets (ROA) | 0.8895% | 3,337 |
| Pretax return on assets | 0.8895% | 3,771 |
| Return on Equity (ROE) | 9.5666% | 2,492 |
| Retained earnings to average equity (ytd only) | 9.5666% | 579 |
| Net charge-offs to loans | 0.1270% | 1,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 7.7955% | 2,841 |
| Efficiency ratio | 79.3249% | 996 |
| Assets per employee ($millions) | 3.1482% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 4,452 |
| Loan loss allowance to noncurrent loans | 271.5789% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 2,606 |
| Noncurrent loans to loans | 0.2767% | 3,452 |
| Net loans and leases to total assets | 87.7588% | 91 |
| Net loans and leases to deposits | 99.4939% | 638 |
| Net loans and leases to core deposits | 102.2373% | 1,390 |
| Total domestic deposits to total assets | 88.2052% | 1,031 |
| Equity capital to assets | 9.6837% | 4,193 |
| Core capital (leverage) ratio | 9.6036% | 3,959 |
| Tier 1 risk-based capital ratio | 15.4244% | 2,608 |
| Total risk-based capital ratio | 16.4828% | 2,620 |
| Memoranda: | ||
| Average total assets | $115,678,800 | 3,753 |
| Average earning assets | $111,296,800 | 3,686 |
| Average equity | $10,756,200 | 4,154 |
| Average total loans | $103,965,400 | 3,172 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 2,384 |
| Cost of funding earning assets | 0.9434% | 2,020 |
| Net interest margin | 3.7674% | 2,693 |
| Noninterest income to average assets | 0.7251% | 1,686 |
| Noninterest expense to average assets | 3.4788% | 972 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8706% | 3,450 |
| Return on assets (ROA) | 0.8706% | 3,536 |
| Pretax return on assets | 0.8706% | 3,956 |
| Return on Equity (ROE) | 9.4615% | 2,689 |
| Retained earnings to average equity (ytd only) | 9.4615% | 907 |
| Net charge-offs to loans | 0.1599% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.0321% | 2,868 |
| Efficiency ratio | 79.9841% | 928 |
| Assets per employee ($millions) | 3.1375% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,526 |
| Loan loss allowance to noncurrent loans | 398.4694% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 3,011 |
| Noncurrent loans to loans | 0.1898% | 3,857 |
| Net loans and leases to total assets | 88.2615% | 82 |
| Net loans and leases to deposits | 101.7922% | 515 |
| Net loans and leases to core deposits | 104.3306% | 1,306 |
| Total domestic deposits to total assets | 86.7075% | 1,678 |
| Equity capital to assets | 9.4790% | 4,471 |
| Core capital (leverage) ratio | 9.5500% | 4,115 |
| Tier 1 risk-based capital ratio | 15.2395% | 2,745 |
| Total risk-based capital ratio | 16.3211% | 2,743 |
| Memoranda: | ||
| Average total assets | $115,477,500 | 3,801 |
| Average earning assets | $111,090,000 | 3,731 |
| Average equity | $10,625,250 | 4,210 |
| Average total loans | $104,207,000 | 3,204 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6933% | 2,380 |
| Cost of funding earning assets | 0.9214% | 2,046 |
| Net interest margin | 3.7720% | 2,685 |
| Noninterest income to average assets | 0.7860% | 1,395 |
| Noninterest expense to average assets | 3.4613% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9542% | 3,083 |
| Return on assets (ROA) | 0.9542% | 3,154 |
| Pretax return on assets | 0.9542% | 3,697 |
| Return on Equity (ROE) | 10.4772% | 2,187 |
| Retained earnings to average equity (ytd only) | 10.4772% | 641 |
| Net charge-offs to loans | 0.1856% | 889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 5.6701% | 2,631 |
| Efficiency ratio | 78.3890% | 1,103 |
| Assets per employee ($millions) | 3.0938% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 4,536 |
| Loan loss allowance to noncurrent loans | 632.0313% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 3,148 |
| Noncurrent loans to loans | 0.1223% | 4,130 |
| Net loans and leases to total assets | 90.7425% | 43 |
| Net loans and leases to deposits | 104.5800% | 396 |
| Net loans and leases to core deposits | 107.1552% | 1,162 |
| Total domestic deposits to total assets | 86.7685% | 1,698 |
| Equity capital to assets | 9.4349% | 4,465 |
| Core capital (leverage) ratio | 9.4501% | 4,202 |
| Tier 1 risk-based capital ratio | 14.5396% | 3,048 |
| Total risk-based capital ratio | 15.6287% | 3,046 |
| Memoranda: | ||
| Average total assets | $115,274,000 | 3,826 |
| Average earning assets | $110,923,000 | 3,762 |
| Average equity | $10,499,000 | 4,236 |
| Average total loans | $104,528,670 | 3,215 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 2,437 |
| Cost of funding earning assets | 0.8616% | 2,202 |
| Net interest margin | 3.7695% | 2,635 |
| Noninterest income to average assets | 0.5118% | 2,484 |
| Noninterest expense to average assets | 3.4683% | 1,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6743% | 4,017 |
| Return on assets (ROA) | 0.6743% | 4,055 |
| Pretax return on assets | 0.6743% | 4,363 |
| Return on Equity (ROE) | 7.5373% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.5373% | 1,825 |
| Net charge-offs to loans | 0.1149% | 1,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,191 |
| Efficiency ratio | 83.7229% | 730 |
| Assets per employee ($millions) | 3.1698% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 4,369 |
| Loan loss allowance to noncurrent loans | 343.5294% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 3,582 |
| Noncurrent loans to loans | 0.2458% | 3,685 |
| Net loans and leases to total assets | 87.7067% | 110 |
| Net loans and leases to deposits | 100.2778% | 613 |
| Net loans and leases to core deposits | 102.7027% | 1,399 |
| Total domestic deposits to total assets | 87.4637% | 1,583 |
| Equity capital to assets | 8.9067% | 4,746 |
| Core capital (leverage) ratio | 9.0603% | 4,609 |
| Tier 1 risk-based capital ratio | 14.1912% | 3,247 |
| Total risk-based capital ratio | 15.3813% | 3,201 |
| Memoranda: | ||
| Average total assets | $115,676,500 | 3,867 |
| Average earning assets | $111,422,000 | 3,796 |
| Average equity | $10,348,500 | 4,279 |
| Average total loans | $104,452,500 | 3,246 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 2,027 |
| Cost of funding earning assets | 0.7212% | 1,949 |
| Net interest margin | 3.9173% | 2,273 |
| Noninterest income to average assets | 0.5904% | 2,350 |
| Noninterest expense to average assets | 3.3649% | 1,201 |
| Loan and lease loss provision to assets | 0.1100% | 1,998 |
| Net operating income to assets | 0.8773% | 3,510 |
| Return on assets (ROA) | 0.8773% | 3,503 |
| Pretax return on assets | 0.8773% | 3,959 |
| Return on Equity (ROE) | 10.1313% | 2,463 |
| Retained earnings to average equity (ytd only) | 8.2310% | 1,140 |
| Net charge-offs to loans | 0.1769% | 1,088 |
| Credit loss provision to net charge-offs | 69.0608% | 3,004 |
| Earnings coverage of net charge-offs (x) | 6.1989% | 3,112 |
| Efficiency ratio | 77.3150% | 1,199 |
| Assets per employee ($millions) | 3.1686% | 4,867 |
| Cash dividends to net income (ytd only)* | 18.7563% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 4,323 |
| Loan loss allowance to noncurrent loans | 638.0282% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 3,694 |
| Noncurrent loans to loans | 0.1350% | 4,134 |
| Net loans and leases to total assets | 91.3983% | 34 |
| Net loans and leases to deposits | 104.8968% | 429 |
| Net loans and leases to core deposits | 107.4792% | 1,161 |
| Total domestic deposits to total assets | 87.1316% | 1,711 |
| Equity capital to assets | 8.9866% | 4,589 |
| Core capital (leverage) ratio | 8.9049% | 4,735 |
| Tier 1 risk-based capital ratio | 13.6273% | 3,476 |
| Total risk-based capital ratio | 14.8317% | 3,411 |
| Memoranda: | ||
| Average total assets | $113,644,000 | 3,890 |
| Average earning assets | $109,130,800 | 3,818 |
| Average equity | $9,840,800 | 4,326 |
| Average total loans | $102,308,800 | 3,259 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 2,032 |
| Cost of funding earning assets | 0.6914% | 1,895 |
| Net interest margin | 3.8901% | 2,340 |
| Noninterest income to average assets | 0.6001% | 2,307 |
| Noninterest expense to average assets | 3.3527% | 1,195 |
| Loan and lease loss provision to assets | 0.1468% | 1,353 |
| Net operating income to assets | 0.8338% | 3,805 |
| Return on assets (ROA) | 0.8338% | 3,812 |
| Pretax return on assets | 0.8338% | 4,215 |
| Return on Equity (ROE) | 9.7208% | 2,744 |
| Retained earnings to average equity (ytd only) | 7.1606% | 2,040 |
| Net charge-offs to loans | 0.1785% | 933 |
| Credit loss provision to net charge-offs | 91.9118% | 2,404 |
| Earnings coverage of net charge-offs (x) | 6.1397% | 2,909 |
| Efficiency ratio | 77.3713% | 1,190 |
| Assets per employee ($millions) | 3.2069% | 4,882 |
| Cash dividends to net income (ytd only)* | 26.3384% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 4,178 |
| Loan loss allowance to noncurrent loans | 525.9669% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 3,635 |
| Noncurrent loans to loans | 0.1750% | 4,108 |
| Net loans and leases to total assets | 88.7552% | 115 |
| Net loans and leases to deposits | 104.5624% | 518 |
| Net loans and leases to core deposits | 107.1618% | 1,222 |
| Total domestic deposits to total assets | 84.8825% | 2,647 |
| Equity capital to assets | 8.6298% | 4,850 |
| Core capital (leverage) ratio | 8.5663% | 5,054 |
| Tier 1 risk-based capital ratio | 13.2230% | 3,774 |
| Total risk-based capital ratio | 14.4732% | 3,688 |
| Memoranda: | ||
| Average total assets | $113,537,500 | 3,932 |
| Average earning assets | $108,956,750 | 3,862 |
| Average equity | $9,738,250 | 4,378 |
| Average total loans | $101,595,000 | 3,303 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 2,281 |
| Cost of funding earning assets | 0.5538% | 2,583 |
| Net interest margin | 3.8896% | 2,240 |
| Noninterest income to average assets | 0.6873% | 1,922 |
| Noninterest expense to average assets | 3.3463% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0735% | 2,697 |
| Return on assets (ROA) | 1.0735% | 2,700 |
| Pretax return on assets | 1.0735% | 3,417 |
| Return on Equity (ROE) | 12.5423% | 1,532 |
| Retained earnings to average equity (ytd only) | 8.6720% | 1,330 |
| Net charge-offs to loans | 0.1703% | 917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.0465% | 2,580 |
| Efficiency ratio | 75.7114% | 1,462 |
| Assets per employee ($millions) | 3.1989% | 4,930 |
| Cash dividends to net income (ytd only)* | 30.8581% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 4,514 |
| Loan loss allowance to noncurrent loans | 451.5464% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 3,300 |
| Noncurrent loans to loans | 0.1905% | 4,051 |
| Net loans and leases to total assets | 87.6573% | 156 |
| Net loans and leases to deposits | 104.0583% | 523 |
| Net loans and leases to core deposits | 106.3821% | 1,216 |
| Total domestic deposits to total assets | 84.2386% | 2,977 |
| Equity capital to assets | 8.5619% | 4,898 |
| Core capital (leverage) ratio | 8.5347% | 5,082 |
| Tier 1 risk-based capital ratio | 13.4834% | 3,623 |
| Total risk-based capital ratio | 14.6813% | 3,575 |
| Memoranda: | ||
| Average total assets | $112,900,330 | 3,973 |
| Average earning assets | $108,341,330 | 3,905 |
| Average equity | $9,663,330 | 4,432 |
| Average total loans | $100,987,000 | 3,319 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 1,897 |
| Cost of funding earning assets | 0.5969% | 2,075 |
| Net interest margin | 3.8950% | 2,062 |
| Noninterest income to average assets | 0.5189% | 2,691 |
| Noninterest expense to average assets | 3.3605% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8947% | 3,319 |
| Return on assets (ROA) | 0.8947% | 3,327 |
| Pretax return on assets | 0.8947% | 3,868 |
| Return on Equity (ROE) | 10.4548% | 2,200 |
| Retained earnings to average equity (ytd only) | 10.4548% | 1,031 |
| Net charge-offs to loans | 0.1511% | 925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 6.5789% | 2,152 |
| Efficiency ratio | 78.9739% | 1,259 |
| Assets per employee ($millions) | 3.1601% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 4,320 |
| Loan loss allowance to noncurrent loans | 405.7018% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 3,388 |
| Noncurrent loans to loans | 0.2287% | 3,949 |
| Net loans and leases to total assets | 86.8367% | 201 |
| Net loans and leases to deposits | 105.3188% | 412 |
| Net loans and leases to core deposits | 107.4191% | 1,159 |
| Total domestic deposits to total assets | 82.4512% | 3,828 |
| Equity capital to assets | 8.5177% | 4,964 |
| Core capital (leverage) ratio | 8.7042% | 4,987 |
| Tier 1 risk-based capital ratio | 13.5354% | 3,638 |
| Total risk-based capital ratio | 14.7856% | 3,548 |
| Memoranda: | ||
| Average total assets | $111,770,000 | 4,032 |
| Average earning assets | $107,215,000 | 3,966 |
| Average equity | $9,565,000 | 4,490 |
| Average total loans | $100,569,000 | 3,348 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 1,901 |
| Cost of funding earning assets | 0.5589% | 1,888 |
| Net interest margin | 3.8851% | 2,136 |
| Noninterest income to average assets | 0.8073% | 1,542 |
| Noninterest expense to average assets | 3.3848% | 1,227 |
| Loan and lease loss provision to assets | 0.3225% | 519 |
| Net operating income to assets | 0.7962% | 3,177 |
| Return on assets (ROA) | 0.7962% | 3,219 |
| Pretax return on assets | 0.7962% | 4,254 |
| Return on Equity (ROE) | 9.0718% | 2,283 |
| Retained earnings to average equity (ytd only) | 0.0525% | 4,984 |
| Net charge-offs to loans | 0.0776% | 2,341 |
| Credit loss provision to net charge-offs | 460.5263% | 683 |
| Earnings coverage of net charge-offs (x) | 15.9737% | 2,209 |
| Efficiency ratio | 75.1586% | 1,744 |
| Assets per employee ($millions) | 2.8889% | 5,266 |
| Cash dividends to net income (ytd only)* | 99.4213% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,218 |
| Loan loss allowance to noncurrent loans | 370.0000% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 3,317 |
| Noncurrent loans to loans | 0.2563% | 3,868 |
| Net loans and leases to total assets | 91.5155% | 41 |
| Net loans and leases to deposits | 111.7112% | 226 |
| Net loans and leases to core deposits | 114.0303% | 796 |
| Total domestic deposits to total assets | 81.9215% | 3,888 |
| Equity capital to assets | 8.5993% | 5,041 |
| Core capital (leverage) ratio | 8.6629% | 4,984 |
| Tier 1 risk-based capital ratio | 13.1423% | 3,821 |
| Total risk-based capital ratio | 14.3939% | 3,741 |
| Memoranda: | ||
| Average total assets | $108,514,000 | 4,090 |
| Average earning assets | $103,240,800 | 4,041 |
| Average equity | $9,524,000 | 4,521 |
| Average total loans | $97,936,600 | 3,381 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 1,196 |
| Cost of funding earning assets | 0.5542% | 1,864 |
| Net interest margin | 4.1178% | 1,342 |
| Noninterest income to average assets | 0.5582% | 2,677 |
| Noninterest expense to average assets | 3.3432% | 1,257 |
| Loan and lease loss provision to assets | 0.0616% | 2,840 |
| Net operating income to assets | 1.0635% | 2,266 |
| Return on assets (ROA) | 1.0635% | 2,303 |
| Pretax return on assets | 1.0635% | 3,445 |
| Return on Equity (ROE) | 12.0549% | 1,328 |
| Retained earnings to average equity (ytd only) | 3.3665% | 3,925 |
| Net charge-offs to loans | 0.0907% | 1,888 |
| Credit loss provision to net charge-offs | 75.7576% | 2,636 |
| Earnings coverage of net charge-offs (x) | 13.8330% | 2,333 |
| Efficiency ratio | 74.8207% | 1,771 |
| Assets per employee ($millions) | 3.0064% | 5,264 |
| Cash dividends to net income (ytd only)* | 72.0738% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 5,195 |
| Loan loss allowance to noncurrent loans | 316.9811% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 3,649 |
| Noncurrent loans to loans | 0.2134% | 4,213 |
| Net loans and leases to total assets | 91.1809% | 48 |
| Net loans and leases to deposits | 107.1893% | 367 |
| Net loans and leases to core deposits | 110.0596% | 1,028 |
| Total domestic deposits to total assets | 85.0653% | 2,688 |
| Equity capital to assets | 8.9401% | 4,964 |
| Core capital (leverage) ratio | 8.8841% | 4,882 |
| Tier 1 risk-based capital ratio | 13.5640% | 3,665 |
| Total risk-based capital ratio | 14.5060% | 3,763 |
| Memoranda: | ||
| Average total assets | $108,198,250 | 4,135 |
| Average earning assets | $102,737,500 | 4,095 |
| Average equity | $9,545,000 | 4,565 |
| Average total loans | $97,064,500 | 3,426 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 1,187 |
| Cost of funding earning assets | 0.5528% | 1,761 |
| Net interest margin | 4.0826% | 1,375 |
| Noninterest income to average assets | 0.5139% | 2,936 |
| Noninterest expense to average assets | 3.2906% | 1,391 |
| Loan and lease loss provision to assets | 0.0739% | 2,492 |
| Net operating income to assets | 1.0131% | 2,364 |
| Return on assets (ROA) | 1.0131% | 2,402 |
| Pretax return on assets | 1.0131% | 3,513 |
| Return on Equity (ROE) | 11.5352% | 1,451 |
| Retained earnings to average equity (ytd only) | 2.4628% | 4,212 |
| Net charge-offs to loans | 0.1038% | 1,591 |
| Credit loss provision to net charge-offs | 80.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 11.7600% | 2,246 |
| Efficiency ratio | 75.1689% | 1,833 |
| Assets per employee ($millions) | 2.9576% | 5,310 |
| Cash dividends to net income (ytd only)* | 78.6496% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6919% | 5,232 |
| Loan loss allowance to noncurrent loans | 419.1358% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 3,940 |
| Noncurrent loans to loans | 0.1651% | 4,454 |
| Net loans and leases to total assets | 89.0515% | 111 |
| Net loans and leases to deposits | 105.2330% | 430 |
| Net loans and leases to core deposits | 107.2836% | 1,143 |
| Total domestic deposits to total assets | 84.6232% | 2,970 |
| Equity capital to assets | 8.7288% | 5,122 |
| Core capital (leverage) ratio | 8.7784% | 4,976 |
| Tier 1 risk-based capital ratio | 13.4714% | 3,711 |
| Total risk-based capital ratio | 14.4276% | 3,797 |
| Memoranda: | ||
| Average total assets | $108,187,330 | 4,163 |
| Average earning assets | $102,385,670 | 4,126 |
| Average equity | $9,501,330 | 4,593 |
| Average total loans | $96,300,000 | 3,452 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 1,060 |
| Cost of funding earning assets | 0.5500% | 1,712 |
| Net interest margin | 4.0838% | 1,257 |
| Noninterest income to average assets | 0.5132% | 2,890 |
| Noninterest expense to average assets | 3.2241% | 1,542 |
| Loan and lease loss provision to assets | 0.0372% | 3,057 |
| Net operating income to assets | 1.0896% | 1,911 |
| Return on assets (ROA) | 1.0896% | 1,957 |
| Pretax return on assets | 1.0896% | 3,028 |
| Return on Equity (ROE) | 12.3681% | 1,146 |
| Retained earnings to average equity (ytd only) | 3.4614% | 3,707 |
| Net charge-offs to loans | 0.2642% | 691 |
| Credit loss provision to net charge-offs | 15.8730% | 2,193 |
| Earnings coverage of net charge-offs (x) | 4.8095% | 2,348 |
| Efficiency ratio | 74.1026% | 2,214 |
| Assets per employee ($millions) | 3.2966% | 5,046 |
| Cash dividends to net income (ytd only)* | 72.0137% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6639% | 5,378 |
| Loan loss allowance to noncurrent loans | 512.0968% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 3,192 |
| Noncurrent loans to loans | 0.1296% | 4,667 |
| Net loans and leases to total assets | 87.3395% | 139 |
| Net loans and leases to deposits | 103.1998% | 438 |
| Net loans and leases to core deposits | 104.3284% | 1,205 |
| Total domestic deposits to total assets | 84.6314% | 3,251 |
| Equity capital to assets | 8.7483% | 5,040 |
| Core capital (leverage) ratio | 8.9118% | 4,830 |
| Tier 1 risk-based capital ratio | 13.8861% | 3,550 |
| Total risk-based capital ratio | 14.8127% | 3,651 |
| Memoranda: | ||
| Average total assets | $107,565,500 | 4,214 |
| Average earning assets | $101,083,000 | 4,188 |
| Average equity | $9,476,000 | 4,628 |
| Average total loans | $95,385,500 | 3,490 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 857 |
| Cost of funding earning assets | 0.5518% | 1,673 |
| Net interest margin | 4.2673% | 985 |
| Noninterest income to average assets | 0.6135% | 2,590 |
| Noninterest expense to average assets | 3.4346% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1736% | 1,594 |
| Return on assets (ROA) | 1.1736% | 1,691 |
| Pretax return on assets | 1.1736% | 2,785 |
| Return on Equity (ROE) | 13.0470% | 982 |
| Retained earnings to average equity (ytd only) | 3.9755% | 3,092 |
| Net charge-offs to loans | 0.1885% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.8807% | 3,103 |
| Efficiency ratio | 74.5321% | 2,220 |
| Assets per employee ($millions) | 3.0384% | 5,318 |
| Cash dividends to net income (ytd only)* | 69.5293% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7233% | 5,314 |
| Loan loss allowance to noncurrent loans | 171.5711% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 2,620 |
| Noncurrent loans to loans | 0.4216% | 3,631 |
| Net loans and leases to total assets | 88.8005% | 104 |
| Net loans and leases to deposits | 105.5364% | 366 |
| Net loans and leases to core deposits | 106.4609% | 1,100 |
| Total domestic deposits to total assets | 84.1420% | 3,377 |
| Equity capital to assets | 8.8722% | 4,943 |
| Core capital (leverage) ratio | 9.0127% | 4,730 |
| Tier 1 risk-based capital ratio | 13.8086% | 3,572 |
| Total risk-based capital ratio | 14.8155% | 3,637 |
| Memoranda: | ||
| Average total assets | $103,185,000 | 4,304 |
| Average earning assets | $96,595,600 | 4,261 |
| Average equity | $9,281,800 | 4,691 |
| Average total loans | $93,371,000 | 3,513 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 814 |
| Cost of funding earning assets | 0.5503% | 1,685 |
| Net interest margin | 4.2968% | 935 |
| Noninterest income to average assets | 0.6250% | 2,549 |
| Noninterest expense to average assets | 3.4298% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2110% | 1,606 |
| Return on assets (ROA) | 1.2110% | 1,701 |
| Pretax return on assets | 1.2110% | 2,790 |
| Return on Equity (ROE) | 13.4145% | 942 |
| Retained earnings to average equity (ytd only) | 4.8609% | 2,921 |
| Net charge-offs to loans | 0.0832% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.0348% | 2,144 |
| Efficiency ratio | 73.9057% | 2,300 |
| Assets per employee ($millions) | 2.9502% | 5,429 |
| Cash dividends to net income (ytd only)* | 63.7636% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 5,051 |
| Loan loss allowance to noncurrent loans | 116.8116% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 2,172 |
| Noncurrent loans to loans | 0.7256% | 2,859 |
| Net loans and leases to total assets | 91.3091% | 40 |
| Net loans and leases to deposits | 107.7285% | 317 |
| Net loans and leases to core deposits | 108.6885% | 1,005 |
| Total domestic deposits to total assets | 84.7586% | 2,910 |
| Equity capital to assets | 9.1063% | 5,066 |
| Core capital (leverage) ratio | 9.1453% | 4,664 |
| Tier 1 risk-based capital ratio | 13.6962% | 3,746 |
| Total risk-based capital ratio | 14.8702% | 3,699 |
| Memoranda: | ||
| Average total assets | $102,395,250 | 4,349 |
| Average earning assets | $95,695,750 | 4,309 |
| Average equity | $9,243,500 | 4,755 |
| Average total loans | $92,933,250 | 3,532 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 856 |
| Cost of funding earning assets | 0.5403% | 1,777 |
| Net interest margin | 4.2764% | 972 |
| Noninterest income to average assets | 0.5778% | 2,737 |
| Noninterest expense to average assets | 3.4082% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1694% | 1,700 |
| Return on assets (ROA) | 1.1694% | 1,803 |
| Pretax return on assets | 1.1694% | 2,907 |
| Return on Equity (ROE) | 12.9919% | 1,033 |
| Retained earnings to average equity (ytd only) | 5.6581% | 2,331 |
| Net charge-offs to loans | 0.0217% | 3,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 59.7000% | 885 |
| Efficiency ratio | 74.4544% | 2,298 |
| Assets per employee ($millions) | 2.9289% | 5,503 |
| Cash dividends to net income (ytd only)* | 56.4489% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,943 |
| Loan loss allowance to noncurrent loans | 149.3007% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7980% | 2,599 |
| Noncurrent loans to loans | 0.6064% | 3,249 |
| Net loans and leases to total assets | 91.1874% | 33 |
| Net loans and leases to deposits | 107.5585% | 311 |
| Net loans and leases to core deposits | 108.2686% | 1,025 |
| Total domestic deposits to total assets | 84.7793% | 2,973 |
| Equity capital to assets | 9.0984% | 5,160 |
| Core capital (leverage) ratio | 9.0720% | 4,748 |
| Tier 1 risk-based capital ratio | 13.7386% | 3,750 |
| Total risk-based capital ratio | 14.9892% | 3,675 |
| Memoranda: | ||
| Average total assets | $102,107,670 | 4,389 |
| Average earning assets | $95,501,000 | 4,352 |
| Average equity | $9,190,330 | 4,802 |
| Average total loans | $92,214,330 | 3,563 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 957 |
| Cost of funding earning assets | 0.5330% | 1,847 |
| Net interest margin | 4.2136% | 1,070 |
| Noninterest income to average assets | 0.5181% | 3,005 |
| Noninterest expense to average assets | 3.4542% | 1,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0049% | 2,254 |
| Return on assets (ROA) | 1.0049% | 2,371 |
| Pretax return on assets | 1.0049% | 3,464 |
| Return on Equity (ROE) | 11.2256% | 1,523 |
| Retained earnings to average equity (ytd only) | 4.8674% | 3,024 |
| Net charge-offs to loans | -0.0044% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4648% | 1,972 |
| Assets per employee ($millions) | 3.1249% | 5,368 |
| Cash dividends to net income (ytd only)* | 56.6406% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 4,890 |
| Loan loss allowance to noncurrent loans | 178.3505% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 2,996 |
| Noncurrent loans to loans | 0.5285% | 3,606 |
| Net loans and leases to total assets | 88.1569% | 109 |
| Net loans and leases to deposits | 104.8038% | 376 |
| Net loans and leases to core deposits | 105.4946% | 1,108 |
| Total domestic deposits to total assets | 84.1161% | 3,474 |
| Equity capital to assets | 8.9001% | 5,266 |
| Core capital (leverage) ratio | 9.0260% | 4,819 |
| Tier 1 risk-based capital ratio | 14.0797% | 3,638 |
| Total risk-based capital ratio | 15.3300% | 3,571 |
| Memoranda: | ||
| Average total assets | $101,905,500 | 4,429 |
| Average earning assets | $95,309,500 | 4,393 |
| Average equity | $9,122,000 | 4,835 |
| Average total loans | $91,155,500 | 3,597 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0716% | 547 |
| Cost of funding earning assets | 0.5449% | 1,809 |
| Net interest margin | 4.5267% | 626 |
| Noninterest income to average assets | 0.5647% | 2,933 |
| Noninterest expense to average assets | 3.7175% | 957 |
| Loan and lease loss provision to assets | 0.1679% | 1,367 |
| Net operating income to assets | 0.8995% | 2,872 |
| Return on assets (ROA) | 0.8995% | 2,950 |
| Pretax return on assets | 0.8995% | 3,836 |
| Return on Equity (ROE) | 9.5829% | 2,188 |
| Retained earnings to average equity (ytd only) | 4.0143% | 3,167 |
| Net charge-offs to loans | 0.2703% | 1,123 |
| Credit loss provision to net charge-offs | 68.3761% | 3,150 |
| Earnings coverage of net charge-offs (x) | 4.3462% | 3,569 |
| Efficiency ratio | 77.6925% | 2,013 |
| Assets per employee ($millions) | 2.8768% | 5,636 |
| Cash dividends to net income (ytd only)* | 58.1097% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 4,843 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 2,791 |
| Noncurrent loans to loans | 0.5964% | 3,384 |
| Net loans and leases to total assets | 89.0593% | 88 |
| Net loans and leases to deposits | 106.5140% | 341 |
| Net loans and leases to core deposits | 106.8529% | 1,055 |
| Total domestic deposits to total assets | 83.6127% | 3,629 |
| Equity capital to assets | 9.0041% | 5,114 |
| Core capital (leverage) ratio | 9.1679% | 4,666 |
| Tier 1 risk-based capital ratio | 13.8673% | 3,793 |
| Total risk-based capital ratio | 15.1185% | 3,721 |
| Memoranda: | ||
| Average total assets | $95,280,000 | 4,557 |
| Average earning assets | $88,828,000 | 4,526 |
| Average equity | $8,943,000 | 4,867 |
| Average total loans | $86,567,200 | 3,663 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0915% | 525 |
| Cost of funding earning assets | 0.5508% | 1,798 |
| Net interest margin | 4.5407% | 599 |
| Noninterest income to average assets | 0.5508% | 3,049 |
| Noninterest expense to average assets | 3.7730% | 886 |
| Loan and lease loss provision to assets | 0.0710% | 2,762 |
| Net operating income to assets | 0.9425% | 2,746 |
| Return on assets (ROA) | 0.9425% | 2,851 |
| Pretax return on assets | 0.9425% | 3,841 |
| Return on Equity (ROE) | 9.9336% | 2,131 |
| Retained earnings to average equity (ytd only) | 5.1015% | 2,844 |
| Net charge-offs to loans | 0.1605% | 1,543 |
| Credit loss provision to net charge-offs | 48.5437% | 3,055 |
| Earnings coverage of net charge-offs (x) | 6.9321% | 2,974 |
| Efficiency ratio | 78.8256% | 1,841 |
| Assets per employee ($millions) | 2.7387% | 5,810 |
| Cash dividends to net income (ytd only)* | 48.6451% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 4,796 |
| Loan loss allowance to noncurrent loans | 144.3719% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 2,553 |
| Noncurrent loans to loans | 0.6865% | 3,263 |
| Net loans and leases to total assets | 92.2289% | 25 |
| Net loans and leases to deposits | 108.5455% | 287 |
| Net loans and leases to core deposits | 109.2498% | 917 |
| Total domestic deposits to total assets | 84.9679% | 3,029 |
| Equity capital to assets | 9.4403% | 4,827 |
| Core capital (leverage) ratio | 9.2779% | 4,614 |
| Tier 1 risk-based capital ratio | 13.7303% | 4,005 |
| Total risk-based capital ratio | 14.9855% | 3,938 |
| Memoranda: | ||
| Average total assets | $93,928,000 | 4,633 |
| Average earning assets | $87,621,000 | 4,595 |
| Average equity | $8,912,250 | 4,929 |
| Average total loans | $85,575,000 | 3,719 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 534 |
| Cost of funding earning assets | 0.5662% | 1,675 |
| Net interest margin | 4.5087% | 629 |
| Noninterest income to average assets | 0.5467% | 3,060 |
| Noninterest expense to average assets | 3.8034% | 863 |
| Loan and lease loss provision to assets | 0.0214% | 3,700 |
| Net operating income to assets | 0.9219% | 2,777 |
| Return on assets (ROA) | 0.9219% | 2,902 |
| Pretax return on assets | 0.9219% | 3,875 |
| Return on Equity (ROE) | 9.6992% | 2,207 |
| Retained earnings to average equity (ytd only) | 6.3835% | 2,013 |
| Net charge-offs to loans | 0.0830% | 2,217 |
| Credit loss provision to net charge-offs | 28.5714% | 2,937 |
| Earnings coverage of net charge-offs (x) | 12.5714% | 2,191 |
| Efficiency ratio | 80.1265% | 1,738 |
| Assets per employee ($millions) | 2.6856% | 5,928 |
| Cash dividends to net income (ytd only)* | 34.1860% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 4,559 |
| Loan loss allowance to noncurrent loans | 167.8309% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 2,768 |
| Noncurrent loans to loans | 0.6301% | 3,583 |
| Net loans and leases to total assets | 90.8773% | 44 |
| Net loans and leases to deposits | 104.5455% | 425 |
| Net loans and leases to core deposits | 105.2177% | 1,114 |
| Total domestic deposits to total assets | 86.9260% | 2,204 |
| Equity capital to assets | 9.5653% | 4,575 |
| Core capital (leverage) ratio | 9.4499% | 4,338 |
| Tier 1 risk-based capital ratio | 13.8208% | 4,024 |
| Total risk-based capital ratio | 15.0765% | 3,949 |
| Memoranda: | ||
| Average total assets | $93,285,670 | 4,697 |
| Average earning assets | $86,899,000 | 4,657 |
| Average equity | $8,866,670 | 4,969 |
| Average total loans | $84,336,330 | 3,773 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 538 |
| Cost of funding earning assets | 0.5782% | 1,592 |
| Net interest margin | 4.4636% | 646 |
| Noninterest income to average assets | 0.5079% | 3,234 |
| Noninterest expense to average assets | 3.8179% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8436% | 3,036 |
| Return on assets (ROA) | 0.8436% | 3,164 |
| Pretax return on assets | 0.8436% | 4,091 |
| Return on Equity (ROE) | 8.9045% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.9045% | 1,232 |
| Net charge-offs to loans | 0.0576% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,575 |
| Efficiency ratio | 81.9021% | 1,633 |
| Assets per employee ($millions) | 2.6619% | 5,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 4,516 |
| Loan loss allowance to noncurrent loans | 143.1221% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.1313% | 2,373 |
| Noncurrent loans to loans | 0.7695% | 3,329 |
| Net loans and leases to total assets | 89.2545% | 74 |
| Net loans and leases to deposits | 100.1554% | 552 |
| Net loans and leases to core deposits | 101.0942% | 1,248 |
| Total domestic deposits to total assets | 89.1161% | 1,189 |
| Equity capital to assets | 9.5551% | 4,685 |
| Core capital (leverage) ratio | 9.3982% | 4,435 |
| Tier 1 risk-based capital ratio | 14.2069% | 3,878 |
| Total risk-based capital ratio | 15.4594% | 3,804 |
| Memoranda: | ||
| Average total assets | $92,930,500 | 4,751 |
| Average earning assets | $86,476,500 | 4,708 |
| Average equity | $8,804,500 | 5,033 |
| Average total loans | $83,337,500 | 3,812 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 573 |
| Cost of funding earning assets | 0.6747% | 1,247 |
| Net interest margin | 4.4754% | 782 |
| Noninterest income to average assets | 0.5158% | 3,386 |
| Noninterest expense to average assets | 3.7386% | 1,082 |
| Loan and lease loss provision to assets | 0.3677% | 507 |
| Net operating income to assets | 0.5693% | 4,511 |
| Return on assets (ROA) | 0.5693% | 4,594 |
| Pretax return on assets | 0.5693% | 5,034 |
| Return on Equity (ROE) | 6.2055% | 4,051 |
| Retained earnings to average equity (ytd only) | 2.4158% | 4,512 |
| Net charge-offs to loans | 0.3594% | 1,214 |
| Credit loss provision to net charge-offs | 119.0476% | 2,020 |
| Earnings coverage of net charge-offs (x) | 3.0340% | 3,998 |
| Efficiency ratio | 79.9596% | 1,936 |
| Assets per employee ($millions) | 2.5749% | 6,123 |
| Cash dividends to net income (ytd only)* | 61.0701% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 4,362 |
| Loan loss allowance to noncurrent loans | 126.0753% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 2,180 |
| Noncurrent loans to loans | 0.9008% | 3,063 |
| Net loans and leases to total assets | 88.0912% | 114 |
| Net loans and leases to deposits | 98.8955% | 691 |
| Net loans and leases to core deposits | 100.2406% | 1,382 |
| Total domestic deposits to total assets | 89.0750% | 1,198 |
| Equity capital to assets | 9.3931% | 4,852 |
| Core capital (leverage) ratio | 9.2237% | 4,643 |
| Tier 1 risk-based capital ratio | 14.0276% | 4,066 |
| Total risk-based capital ratio | 15.2802% | 3,994 |
| Memoranda: | ||
| Average total assets | $95,197,000 | 4,714 |
| Average earning assets | $88,484,600 | 4,691 |
| Average equity | $8,734,200 | 5,040 |
| Average total loans | $81,796,600 | 3,827 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 617 |
| Cost of funding earning assets | 0.6909% | 1,196 |
| Net interest margin | 4.4267% | 853 |
| Noninterest income to average assets | 0.5287% | 3,328 |
| Noninterest expense to average assets | 3.7430% | 1,054 |
| Loan and lease loss provision to assets | 0.1670% | 1,482 |
| Net operating income to assets | 0.7375% | 3,738 |
| Return on assets (ROA) | 0.7375% | 3,846 |
| Pretax return on assets | 0.7375% | 4,566 |
| Return on Equity (ROE) | 8.0843% | 3,158 |
| Retained earnings to average equity (ytd only) | 4.4082% | 3,517 |
| Net charge-offs to loans | 0.4265% | 930 |
| Credit loss provision to net charge-offs | 45.9770% | 3,176 |
| Earnings coverage of net charge-offs (x) | 2.4904% | 3,904 |
| Efficiency ratio | 80.5389% | 1,834 |
| Assets per employee ($millions) | 2.5434% | 6,200 |
| Cash dividends to net income (ytd only)* | 45.4723% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 5,644 |
| Loan loss allowance to noncurrent loans | 92.2790% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 2,338 |
| Noncurrent loans to loans | 0.9601% | 3,158 |
| Net loans and leases to total assets | 88.0876% | 109 |
| Net loans and leases to deposits | 98.7362% | 687 |
| Net loans and leases to core deposits | 99.6442% | 1,402 |
| Total domestic deposits to total assets | 89.2151% | 1,120 |
| Equity capital to assets | 9.3354% | 4,999 |
| Core capital (leverage) ratio | 9.1665% | 4,825 |
| Tier 1 risk-based capital ratio | 13.8781% | 4,305 |
| Total risk-based capital ratio | 15.0725% | 4,272 |
| Memoranda: | ||
| Average total assets | $95,822,250 | 4,744 |
| Average earning assets | $89,153,000 | 4,725 |
| Average equity | $8,741,000 | 5,079 |
| Average total loans | $81,597,000 | 3,856 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 651 |
| Cost of funding earning assets | 0.7005% | 1,189 |
| Net interest margin | 4.3729% | 894 |
| Noninterest income to average assets | 0.5249% | 3,304 |
| Noninterest expense to average assets | 3.7014% | 1,135 |
| Loan and lease loss provision to assets | 0.1660% | 1,478 |
| Net operating income to assets | 0.7241% | 3,707 |
| Return on assets (ROA) | 0.7241% | 3,801 |
| Pretax return on assets | 0.7241% | 4,558 |
| Return on Equity (ROE) | 7.9988% | 3,097 |
| Retained earnings to average equity (ytd only) | 4.1713% | 3,517 |
| Net charge-offs to loans | 0.4844% | 828 |
| Credit loss provision to net charge-offs | 40.8163% | 2,911 |
| Earnings coverage of net charge-offs (x) | 2.1888% | 3,611 |
| Efficiency ratio | 80.6146% | 1,929 |
| Assets per employee ($millions) | 2.5036% | 6,298 |
| Cash dividends to net income (ytd only)* | 47.8510% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 5,593 |
| Loan loss allowance to noncurrent loans | 93.0741% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.4106% | 2,320 |
| Noncurrent loans to loans | 1.0122% | 3,211 |
| Net loans and leases to total assets | 84.6569% | 255 |
| Net loans and leases to deposits | 94.5694% | 917 |
| Net loans and leases to core deposits | 95.9289% | 1,608 |
| Total domestic deposits to total assets | 89.5183% | 1,080 |
| Equity capital to assets | 9.1226% | 5,182 |
| Core capital (leverage) ratio | 8.9552% | 5,088 |
| Tier 1 risk-based capital ratio | 14.0203% | 4,251 |
| Total risk-based capital ratio | 15.2700% | 4,184 |
| Memoranda: | ||
| Average total assets | $96,395,000 | 4,764 |
| Average earning assets | $89,644,000 | 4,738 |
| Average equity | $8,726,330 | 5,102 |
| Average total loans | $80,917,670 | 3,884 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 596 |
| Cost of funding earning assets | 0.7089% | 1,195 |
| Net interest margin | 4.3866% | 826 |
| Noninterest income to average assets | 0.4205% | 4,029 |
| Noninterest expense to average assets | 3.6774% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8245% | 3,035 |
| Return on assets (ROA) | 0.8245% | 3,107 |
| Pretax return on assets | 0.8245% | 4,002 |
| Return on Equity (ROE) | 9.1429% | 2,394 |
| Retained earnings to average equity (ytd only) | 6.1257% | 2,469 |
| Net charge-offs to loans | 0.3419% | 1,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.8986% | 2,772 |
| Efficiency ratio | 81.6850% | 1,967 |
| Assets per employee ($millions) | 2.5777% | 6,319 |
| Cash dividends to net income (ytd only)* | 33.0000% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 5,479 |
| Loan loss allowance to noncurrent loans | 114.5070% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5538% | 2,271 |
| Noncurrent loans to loans | 0.8815% | 3,679 |
| Net loans and leases to total assets | 81.3980% | 410 |
| Net loans and leases to deposits | 90.7034% | 1,068 |
| Net loans and leases to core deposits | 91.9619% | 1,736 |
| Total domestic deposits to total assets | 89.7409% | 1,215 |
| Equity capital to assets | 9.0013% | 5,115 |
| Core capital (leverage) ratio | 8.8338% | 5,222 |
| Tier 1 risk-based capital ratio | 14.3904% | 4,071 |
| Total risk-based capital ratio | 15.6417% | 4,030 |
| Memoranda: | ||
| Average total assets | $97,024,000 | 4,797 |
| Average earning assets | $90,275,500 | 4,769 |
| Average equity | $8,750,000 | 5,114 |
| Average total loans | $80,723,500 | 3,910 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2370% | 592 |
| Cost of funding earning assets | 0.8750% | 843 |
| Net interest margin | 4.3619% | 967 |
| Noninterest income to average assets | 0.6697% | 2,706 |
| Noninterest expense to average assets | 3.7127% | 1,268 |
| Loan and lease loss provision to assets | 0.1679% | 2,180 |
| Net operating income to assets | 0.8223% | 3,173 |
| Return on assets (ROA) | 0.8223% | 3,270 |
| Pretax return on assets | 0.8223% | 4,066 |
| Return on Equity (ROE) | 9.4780% | 2,334 |
| Retained earnings to average equity (ytd only) | 4.9971% | 2,597 |
| Net charge-offs to loans | 0.1883% | 2,955 |
| Credit loss provision to net charge-offs | 110.0000% | 2,186 |
| Earnings coverage of net charge-offs (x) | 6.4867% | 3,054 |
| Efficiency ratio | 78.9440% | 2,332 |
| Assets per employee ($millions) | 2.5288% | 6,379 |
| Cash dividends to net income (ytd only)* | 47.2772% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 5,201 |
| Loan loss allowance to noncurrent loans | 88.5542% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.9595% | 1,843 |
| Noncurrent loans to loans | 1.2311% | 3,083 |
| Net loans and leases to total assets | 83.2719% | 306 |
| Net loans and leases to deposits | 93.1506% | 943 |
| Net loans and leases to core deposits | 94.4691% | 1,564 |
| Total domestic deposits to total assets | 89.3950% | 1,385 |
| Equity capital to assets | 9.0358% | 4,994 |
| Core capital (leverage) ratio | 8.8612% | 5,199 |
| Tier 1 risk-based capital ratio | 13.9392% | 4,334 |
| Total risk-based capital ratio | 15.1906% | 4,273 |
| Memoranda: | ||
| Average total assets | $98,258,000 | 4,787 |
| Average earning assets | $90,854,000 | 4,749 |
| Average equity | $8,525,000 | 5,206 |
| Average total loans | $79,645,800 | 3,948 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 587 |
| Cost of funding earning assets | 0.8899% | 856 |
| Net interest margin | 4.3602% | 967 |
| Noninterest income to average assets | 0.7085% | 2,560 |
| Noninterest expense to average assets | 3.7098% | 1,230 |
| Loan and lease loss provision to assets | 0.1147% | 2,855 |
| Net operating income to assets | 0.9109% | 2,774 |
| Return on assets (ROA) | 0.9109% | 2,881 |
| Pretax return on assets | 0.9109% | 3,838 |
| Return on Equity (ROE) | 10.6061% | 1,958 |
| Retained earnings to average equity (ytd only) | 5.6723% | 2,620 |
| Net charge-offs to loans | 0.1378% | 3,159 |
| Credit loss provision to net charge-offs | 103.6585% | 2,260 |
| Earnings coverage of net charge-offs (x) | 9.2684% | 2,506 |
| Efficiency ratio | 78.3414% | 2,366 |
| Assets per employee ($millions) | 2.5356% | 6,446 |
| Cash dividends to net income (ytd only)* | 46.5188% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,384 |
| Loan loss allowance to noncurrent loans | 120.8333% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.7498% | 2,342 |
| Noncurrent loans to loans | 0.8986% | 4,027 |
| Net loans and leases to total assets | 82.2548% | 353 |
| Net loans and leases to deposits | 91.9208% | 985 |
| Net loans and leases to core deposits | 92.9405% | 1,680 |
| Total domestic deposits to total assets | 89.4845% | 1,311 |
| Equity capital to assets | 8.9442% | 5,250 |
| Core capital (leverage) ratio | 8.7719% | 5,453 |
| Tier 1 risk-based capital ratio | 13.9671% | 4,457 |
| Total risk-based capital ratio | 15.2188% | 4,404 |
| Memoranda: | ||
| Average total assets | $98,798,500 | 4,816 |
| Average earning assets | $91,247,500 | 4,781 |
| Average equity | $8,485,500 | 5,273 |
| Average total loans | $79,331,500 | 3,992 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 559 |
| Cost of funding earning assets | 0.9013% | 893 |
| Net interest margin | 4.3650% | 909 |
| Noninterest income to average assets | 0.7971% | 2,197 |
| Noninterest expense to average assets | 3.6481% | 1,338 |
| Loan and lease loss provision to assets | 0.0903% | 3,279 |
| Net operating income to assets | 1.0842% | 1,974 |
| Return on assets (ROA) | 1.0842% | 2,091 |
| Pretax return on assets | 1.0842% | 3,158 |
| Return on Equity (ROE) | 12.7942% | 1,287 |
| Retained earnings to average equity (ytd only) | 9.3587% | 1,007 |
| Net charge-offs to loans | 0.0455% | 4,039 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,086 |
| Efficiency ratio | 75.6453% | 2,840 |
| Assets per employee ($millions) | 2.5474% | 6,454 |
| Cash dividends to net income (ytd only)* | 26.8519% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,329 |
| Loan loss allowance to noncurrent loans | 84.9003% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.8698% | 2,314 |
| Noncurrent loans to loans | 1.3287% | 3,335 |
| Net loans and leases to total assets | 80.9467% | 447 |
| Net loans and leases to deposits | 90.2285% | 1,125 |
| Net loans and leases to core deposits | 90.9543% | 1,814 |
| Total domestic deposits to total assets | 89.7130% | 1,197 |
| Equity capital to assets | 8.9389% | 5,282 |
| Core capital (leverage) ratio | 8.7654% | 5,334 |
| Tier 1 risk-based capital ratio | 14.2590% | 4,254 |
| Total risk-based capital ratio | 15.5083% | 4,206 |
| Memoranda: | ||
| Average total assets | $99,613,670 | 4,830 |
| Average earning assets | $91,866,330 | 4,799 |
| Average equity | $8,441,330 | 5,325 |
| Average total loans | $79,067,000 | 4,008 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 578 |
| Cost of funding earning assets | 0.9058% | 961 |
| Net interest margin | 4.3218% | 926 |
| Noninterest income to average assets | 0.3643% | 4,751 |
| Noninterest expense to average assets | 3.5360% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7959% | 3,188 |
| Return on assets (ROA) | 0.7959% | 3,321 |
| Pretax return on assets | 0.7959% | 4,188 |
| Return on Equity (ROE) | 9.6455% | 2,211 |
| Retained earnings to average equity (ytd only) | 7.5340% | 1,929 |
| Net charge-offs to loans | 0.3090% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.2951% | 2,797 |
| Efficiency ratio | 81.6271% | 2,096 |
| Assets per employee ($millions) | 2.7071% | 6,391 |
| Cash dividends to net income (ytd only)* | 21.8905% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 5,855 |
| Loan loss allowance to noncurrent loans | 69.9653% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.7634% | 2,644 |
| Noncurrent loans to loans | 1.4794% | 3,343 |
| Net loans and leases to total assets | 74.9132% | 972 |
| Net loans and leases to deposits | 84.4917% | 1,534 |
| Net loans and leases to core deposits | 85.1348% | 2,201 |
| Total domestic deposits to total assets | 88.6635% | 1,892 |
| Equity capital to assets | 8.1792% | 6,268 |
| Core capital (leverage) ratio | 8.1792% | 5,952 |
| Tier 1 risk-based capital ratio | 14.4966% | 4,177 |
| Total risk-based capital ratio | 15.7216% | 4,158 |
| Memoranda: | ||
| Average total assets | $101,019,500 | 4,838 |
| Average earning assets | $92,738,500 | 4,828 |
| Average equity | $8,335,500 | 5,403 |
| Average total loans | $78,974,500 | 4,034 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7433% | 401 |
| Cost of funding earning assets | 1.0655% | 1,052 |
| Net interest margin | 4.6778% | 677 |
| Noninterest income to average assets | 0.4376% | 4,338 |
| Noninterest expense to average assets | 3.5684% | 1,686 |
| Loan and lease loss provision to assets | 0.3264% | 2,086 |
| Net operating income to assets | 0.8243% | 3,162 |
| Return on assets (ROA) | 0.8243% | 3,426 |
| Pretax return on assets | 0.8243% | 4,210 |
| Return on Equity (ROE) | 9.9378% | 2,197 |
| Retained earnings to average equity (ytd only) | 3.7882% | 3,546 |
| Net charge-offs to loans | 0.5163% | 2,180 |
| Credit loss provision to net charge-offs | 77.2947% | 3,920 |
| Earnings coverage of net charge-offs (x) | 2.7246% | 4,067 |
| Efficiency ratio | 75.6161% | 2,811 |
| Assets per employee ($millions) | 2.6097% | 6,531 |
| Cash dividends to net income (ytd only)* | 61.8812% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 5,620 |
| Loan loss allowance to noncurrent loans | 155.6553% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 3,741 |
| Noncurrent loans to loans | 0.6956% | 4,802 |
| Net loans and leases to total assets | 79.8766% | 485 |
| Net loans and leases to deposits | 90.5663% | 1,020 |
| Net loans and leases to core deposits | 91.0211% | 1,721 |
| Total domestic deposits to total assets | 88.1968% | 2,097 |
| Equity capital to assets | 8.3263% | 6,178 |
| Core capital (leverage) ratio | 8.3263% | 5,860 |
| Tier 1 risk-based capital ratio | 13.9004% | 4,449 |
| Total risk-based capital ratio | 15.1529% | 4,413 |
| Memoranda: | ||
| Average total assets | $98,025,800 | 4,887 |
| Average earning assets | $89,721,400 | 4,877 |
| Average equity | $8,130,600 | 5,461 |
| Average total loans | $80,192,200 | 4,033 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7511% | 423 |
| Cost of funding earning assets | 1.0871% | 1,115 |
| Net interest margin | 4.6640% | 729 |
| Noninterest income to average assets | 0.5170% | 3,817 |
| Noninterest expense to average assets | 3.6231% | 1,516 |
| Loan and lease loss provision to assets | 0.1842% | 3,286 |
| Net operating income to assets | 0.9822% | 2,603 |
| Return on assets (ROA) | 0.9822% | 2,828 |
| Pretax return on assets | 0.9822% | 3,781 |
| Return on Equity (ROE) | 11.8531% | 1,681 |
| Retained earnings to average equity (ytd only) | 6.0911% | 2,640 |
| Net charge-offs to loans | 0.3125% | 2,879 |
| Credit loss provision to net charge-offs | 71.8085% | 3,861 |
| Earnings coverage of net charge-offs (x) | 4.5479% | 3,275 |
| Efficiency ratio | 75.6480% | 2,728 |
| Assets per employee ($millions) | 2.5968% | 6,608 |
| Cash dividends to net income (ytd only)* | 48.6114% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 5,620 |
| Loan loss allowance to noncurrent loans | 103.2992% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.7268% | 3,017 |
| Noncurrent loans to loans | 1.0879% | 4,263 |
| Net loans and leases to total assets | 80.9607% | 436 |
| Net loans and leases to deposits | 92.8944% | 883 |
| Net loans and leases to core deposits | 93.3667% | 1,640 |
| Total domestic deposits to total assets | 87.1534% | 2,582 |
| Equity capital to assets | 8.4303% | 6,319 |
| Core capital (leverage) ratio | 8.4303% | 5,857 |
| Tier 1 risk-based capital ratio | 14.0263% | 4,499 |
| Total risk-based capital ratio | 15.2790% | 4,461 |
| Memoranda: | ||
| Average total assets | $97,740,250 | 4,939 |
| Average earning assets | $89,534,500 | 4,926 |
| Average equity | $8,099,000 | 5,531 |
| Average total loans | $80,220,500 | 4,075 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7601% | 430 |
| Cost of funding earning assets | 1.1157% | 1,146 |
| Net interest margin | 4.6444% | 754 |
| Noninterest income to average assets | 0.4578% | 4,232 |
| Noninterest expense to average assets | 3.6150% | 1,552 |
| Loan and lease loss provision to assets | 0.2361% | 2,713 |
| Net operating income to assets | 0.8622% | 3,075 |
| Return on assets (ROA) | 0.8622% | 3,344 |
| Pretax return on assets | 0.8622% | 4,223 |
| Return on Equity (ROE) | 10.4664% | 2,186 |
| Retained earnings to average equity (ytd only) | 4.6850% | 3,496 |
| Net charge-offs to loans | 0.4423% | 2,276 |
| Credit loss provision to net charge-offs | 64.9718% | 3,692 |
| Earnings coverage of net charge-offs (x) | 3.0226% | 3,539 |
| Efficiency ratio | 76.6986% | 2,636 |
| Assets per employee ($millions) | 2.5478% | 6,713 |
| Cash dividends to net income (ytd only)* | 55.2381% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 5,630 |
| Loan loss allowance to noncurrent loans | 97.5054% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.8798% | 2,929 |
| Noncurrent loans to loans | 1.1627% | 4,216 |
| Net loans and leases to total assets | 80.9785% | 406 |
| Net loans and leases to deposits | 92.9065% | 855 |
| Net loans and leases to core deposits | 93.8339% | 1,621 |
| Total domestic deposits to total assets | 87.1613% | 2,678 |
| Equity capital to assets | 8.4045% | 6,299 |
| Core capital (leverage) ratio | 8.4045% | 5,780 |
| Tier 1 risk-based capital ratio | 13.9175% | 4,509 |
| Total risk-based capital ratio | 15.1712% | 4,480 |
| Memoranda: | ||
| Average total assets | $97,427,000 | 4,969 |
| Average earning assets | $89,269,670 | 4,956 |
| Average equity | $8,025,670 | 5,567 |
| Average total loans | $80,027,330 | 4,105 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 512 |
| Cost of funding earning assets | 1.1485% | 1,181 |
| Net interest margin | 4.5583% | 895 |
| Noninterest income to average assets | 0.2046% | 6,162 |
| Noninterest expense to average assets | 3.5485% | 1,666 |
| Loan and lease loss provision to assets | 0.0819% | 4,366 |
| Net operating income to assets | 0.7490% | 3,630 |
| Return on assets (ROA) | 0.7490% | 3,867 |
| Pretax return on assets | 0.7490% | 4,613 |
| Return on Equity (ROE) | 9.1844% | 2,742 |
| Retained earnings to average equity (ytd only) | 2.1581% | 5,184 |
| Net charge-offs to loans | 0.7414% | 1,377 |
| Credit loss provision to net charge-offs | 13.4228% | 3,861 |
| Earnings coverage of net charge-offs (x) | 1.3624% | 3,652 |
| Efficiency ratio | 81.0280% | 2,073 |
| Assets per employee ($millions) | 2.5874% | 6,759 |
| Cash dividends to net income (ytd only)* | 76.5027% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 6,040 |
| Loan loss allowance to noncurrent loans | 173.3333% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 3,470 |
| Noncurrent loans to loans | 0.6122% | 5,435 |
| Net loans and leases to total assets | 78.8987% | 497 |
| Net loans and leases to deposits | 91.1906% | 860 |
| Net loans and leases to core deposits | 92.4204% | 1,607 |
| Total domestic deposits to total assets | 86.5207% | 3,232 |
| Equity capital to assets | 8.1275% | 6,431 |
| Core capital (leverage) ratio | 8.1275% | 6,124 |
| Tier 1 risk-based capital ratio | 13.6568% | 4,712 |
| Total risk-based capital ratio | 14.8770% | 4,718 |
| Memoranda: | ||
| Average total assets | $97,732,000 | 4,992 |
| Average earning assets | $89,507,500 | 4,979 |
| Average equity | $7,970,000 | 5,608 |
| Average total loans | $80,391,000 | 4,113 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2762% | 266 |
| Cost of funding earning assets | 1.3709% | 1,163 |
| Net interest margin | 4.9052% | 501 |
| Noninterest income to average assets | 0.4418% | 4,291 |
| Noninterest expense to average assets | 3.5528% | 1,855 |
| Loan and lease loss provision to assets | 0.2727% | 3,491 |
| Net operating income to assets | 1.0835% | 1,884 |
| Return on assets (ROA) | 1.0835% | 2,013 |
| Pretax return on assets | 1.0835% | 2,901 |
| Return on Equity (ROE) | 13.9796% | 935 |
| Retained earnings to average equity (ytd only) | 9.1126% | 774 |
| Net charge-offs to loans | -0.1356% | 7,175 |
| Credit loss provision to net charge-offs | -237.5000% | 6,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3742% | 3,506 |
| Assets per employee ($millions) | 2.5564% | 6,777 |
| Cash dividends to net income (ytd only)* | 34.8155% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 5,559 |
| Loan loss allowance to noncurrent loans | 112.9412% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 2.3769% | 2,549 |
| Noncurrent loans to loans | 1.0319% | 4,643 |
| Net loans and leases to total assets | 83.8105% | 215 |
| Net loans and leases to deposits | 98.4593% | 529 |
| Net loans and leases to core deposits | 99.8234% | 1,196 |
| Total domestic deposits to total assets | 85.1219% | 3,773 |
| Equity capital to assets | 8.1828% | 6,448 |
| Core capital (leverage) ratio | 8.1828% | 6,032 |
| Tier 1 risk-based capital ratio | 13.2962% | 4,836 |
| Total risk-based capital ratio | 14.5457% | 4,820 |
| Memoranda: | ||
| Average total assets | $97,556,800 | 4,963 |
| Average earning assets | $88,844,000 | 4,969 |
| Average equity | $7,561,000 | 5,696 |
| Average total loans | $82,584,800 | 4,064 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2934% | 274 |
| Cost of funding earning assets | 1.4223% | 1,141 |
| Net interest margin | 4.8711% | 542 |
| Noninterest income to average assets | 0.4027% | 4,644 |
| Noninterest expense to average assets | 3.5455% | 1,821 |
| Loan and lease loss provision to assets | 0.3290% | 2,909 |
| Net operating income to assets | 0.9652% | 2,457 |
| Return on assets (ROA) | 0.9652% | 2,627 |
| Pretax return on assets | 0.9652% | 3,538 |
| Return on Equity (ROE) | 12.6292% | 1,377 |
| Retained earnings to average equity (ytd only) | 8.2170% | 1,422 |
| Net charge-offs to loans | -0.1759% | 7,251 |
| Credit loss provision to net charge-offs | -221.1009% | 6,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2581% | 3,324 |
| Assets per employee ($millions) | 2.5253% | 6,859 |
| Cash dividends to net income (ytd only)* | 34.9370% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 5,799 |
| Loan loss allowance to noncurrent loans | 149.1284% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 2.5395% | 2,533 |
| Noncurrent loans to loans | 0.7529% | 5,370 |
| Net loans and leases to total assets | 86.3529% | 122 |
| Net loans and leases to deposits | 101.1918% | 418 |
| Net loans and leases to core deposits | 102.6065% | 1,063 |
| Total domestic deposits to total assets | 85.3359% | 3,595 |
| Equity capital to assets | 8.0449% | 6,669 |
| Core capital (leverage) ratio | 8.0449% | 6,351 |
| Tier 1 risk-based capital ratio | 12.6746% | 5,347 |
| Total risk-based capital ratio | 13.9241% | 5,327 |
| Memoranda: | ||
| Average total assets | $97,660,250 | 4,990 |
| Average earning assets | $88,958,750 | 4,993 |
| Average equity | $7,464,000 | 5,757 |
| Average total loans | $82,637,000 | 4,101 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1607% | 350 |
| Cost of funding earning assets | 1.4972% | 1,022 |
| Net interest margin | 4.6634% | 799 |
| Noninterest income to average assets | 0.3706% | 4,903 |
| Noninterest expense to average assets | 3.4309% | 2,180 |
| Loan and lease loss provision to assets | 0.3746% | 2,551 |
| Net operating income to assets | 0.8206% | 2,978 |
| Return on assets (ROA) | 0.8206% | 3,096 |
| Pretax return on assets | 0.8206% | 3,944 |
| Return on Equity (ROE) | 10.9234% | 1,824 |
| Retained earnings to average equity (ytd only) | 6.3697% | 2,205 |
| Net charge-offs to loans | -0.3842% | 7,370 |
| Credit loss provision to net charge-offs | -116.4557% | 6,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1637% | 3,339 |
| Assets per employee ($millions) | 2.5038% | 6,903 |
| Cash dividends to net income (ytd only)* | 41.6873% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,829 |
| Loan loss allowance to noncurrent loans | 134.0517% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 2.5876% | 2,571 |
| Noncurrent loans to loans | 0.8425% | 5,248 |
| Net loans and leases to total assets | 85.8428% | 145 |
| Net loans and leases to deposits | 102.9235% | 349 |
| Net loans and leases to core deposits | 103.8752% | 1,051 |
| Total domestic deposits to total assets | 83.4045% | 4,581 |
| Equity capital to assets | 7.8774% | 6,754 |
| Core capital (leverage) ratio | 7.8774% | 6,436 |
| Tier 1 risk-based capital ratio | 12.4198% | 5,423 |
| Total risk-based capital ratio | 13.6693% | 5,403 |
| Memoranda: | ||
| Average total assets | $98,226,330 | 5,014 |
| Average earning assets | $89,633,330 | 5,008 |
| Average equity | $7,378,670 | 5,808 |
| Average total loans | $82,247,000 | 4,150 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0761% | 415 |
| Cost of funding earning assets | 1.5355% | 1,030 |
| Net interest margin | 4.5406% | 980 |
| Noninterest income to average assets | 0.4090% | 4,638 |
| Noninterest expense to average assets | 3.3558% | 2,392 |
| Loan and lease loss provision to assets | 0.3809% | 2,278 |
| Net operating income to assets | 0.8219% | 2,924 |
| Return on assets (ROA) | 0.8219% | 2,982 |
| Pretax return on assets | 0.8219% | 3,821 |
| Return on Equity (ROE) | 11.2014% | 1,678 |
| Retained earnings to average equity (ytd only) | 6.5023% | 2,375 |
| Net charge-offs to loans | 0.3948% | 2,504 |
| Credit loss provision to net charge-offs | 117.2840% | 2,309 |
| Earnings coverage of net charge-offs (x) | 3.7037% | 2,664 |
| Efficiency ratio | 73.6148% | 3,589 |
| Assets per employee ($millions) | 2.6200% | 6,814 |
| Cash dividends to net income (ytd only)* | 41.9512% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7907% | 6,937 |
| Loan loss allowance to noncurrent loans | 93.1686% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 2.2981% | 2,949 |
| Noncurrent loans to loans | 0.8486% | 5,351 |
| Net loans and leases to total assets | 80.7853% | 448 |
| Net loans and leases to deposits | 99.3760% | 507 |
| Net loans and leases to core deposits | 99.9019% | 1,347 |
| Total domestic deposits to total assets | 81.2925% | 5,575 |
| Equity capital to assets | 7.4127% | 6,914 |
| Core capital (leverage) ratio | 7.4127% | 6,781 |
| Tier 1 risk-based capital ratio | 12.4134% | 5,341 |
| Total risk-based capital ratio | 13.4916% | 5,484 |
| Memoranda: | ||
| Average total assets | $99,766,500 | 5,005 |
| Average earning assets | $91,177,500 | 5,000 |
| Average equity | $7,320,500 | 5,837 |
| Average total loans | $82,066,000 | 4,193 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3951% | 383 |
| Cost of funding earning assets | 1.9392% | 744 |
| Net interest margin | 4.4559% | 1,340 |
| Noninterest income to average assets | 0.3909% | 4,969 |
| Noninterest expense to average assets | 3.3469% | 2,590 |
| Loan and lease loss provision to assets | 0.3435% | 4,083 |
| Net operating income to assets | 0.7146% | 3,174 |
| Return on assets (ROA) | 0.7146% | 3,302 |
| Pretax return on assets | 0.7146% | 3,925 |
| Return on Equity (ROE) | 10.2879% | 1,824 |
| Retained earnings to average equity (ytd only) | 5.0303% | 2,393 |
| Net charge-offs to loans | 0.2209% | 4,964 |
| Credit loss provision to net charge-offs | 186.0963% | 1,759 |
| Earnings coverage of net charge-offs (x) | 5.7326% | 2,548 |
| Efficiency ratio | 75.9803% | 3,056 |
| Assets per employee ($millions) | 2.6309% | 6,799 |
| Cash dividends to net income (ytd only)* | 51.1050% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 7,051 |
| Loan loss allowance to noncurrent loans | 100.1597% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 2.1646% | 3,139 |
| Noncurrent loans to loans | 0.7537% | 5,536 |
| Net loans and leases to total assets | 82.4564% | 411 |
| Net loans and leases to deposits | 102.6728% | 458 |
| Net loans and leases to core deposits | 102.6728% | 1,403 |
| Total domestic deposits to total assets | 80.3099% | 5,747 |
| Equity capital to assets | 7.2629% | 7,012 |
| Core capital (leverage) ratio | 7.2629% | 6,868 |
| Tier 1 risk-based capital ratio | 11.9801% | 5,492 |
| Total risk-based capital ratio | 13.0146% | 5,682 |
| Memoranda: | ||
| Average total assets | $101,317,000 | 4,946 |
| Average earning assets | $91,272,800 | 4,972 |
| Average equity | $7,037,400 | 6,021 |
| Average total loans | $84,651,400 | 4,191 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4065% | 406 |
| Cost of funding earning assets | 2.0225% | 703 |
| Net interest margin | 4.3840% | 1,580 |
| Noninterest income to average assets | 0.3909% | 5,032 |
| Noninterest expense to average assets | 3.3564% | 2,410 |
| Loan and lease loss provision to assets | 0.3030% | 4,151 |
| Net operating income to assets | 0.6663% | 3,564 |
| Return on assets (ROA) | 0.6663% | 3,729 |
| Pretax return on assets | 0.6663% | 4,365 |
| Return on Equity (ROE) | 9.7016% | 2,248 |
| Retained earnings to average equity (ytd only) | 4.0105% | 3,654 |
| Net charge-offs to loans | 0.1677% | 4,970 |
| Credit loss provision to net charge-offs | 215.8879% | 1,609 |
| Earnings coverage of net charge-offs (x) | 6.9067% | 2,429 |
| Efficiency ratio | 77.5925% | 2,681 |
| Assets per employee ($millions) | 2.5745% | 6,983 |
| Cash dividends to net income (ytd only)* | 58.6606% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 7,201 |
| Loan loss allowance to noncurrent loans | 138.1944% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 2.2280% | 3,162 |
| Noncurrent loans to loans | 0.5053% | 6,189 |
| Net loans and leases to total assets | 84.5567% | 296 |
| Net loans and leases to deposits | 106.2498% | 353 |
| Net loans and leases to core deposits | 107.2335% | 1,216 |
| Total domestic deposits to total assets | 79.5829% | 5,839 |
| Equity capital to assets | 7.0882% | 7,311 |
| Core capital (leverage) ratio | 7.0882% | 7,115 |
| Tier 1 risk-based capital ratio | 11.3142% | 6,089 |
| Total risk-based capital ratio | 12.2633% | 6,350 |
| Memoranda: | ||
| Average total assets | $101,652,750 | 4,998 |
| Average earning assets | $91,238,500 | 5,034 |
| Average equity | $6,981,500 | 6,121 |
| Average total loans | $85,048,750 | 4,253 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3518% | 462 |
| Cost of funding earning assets | 2.1136% | 628 |
| Net interest margin | 4.2382% | 2,028 |
| Noninterest income to average assets | 0.4076% | 4,847 |
| Noninterest expense to average assets | 3.3037% | 2,549 |
| Loan and lease loss provision to assets | 0.2508% | 4,414 |
| Net operating income to assets | 0.6447% | 3,649 |
| Return on assets (ROA) | 0.6447% | 3,804 |
| Pretax return on assets | 0.6447% | 4,420 |
| Return on Equity (ROE) | 9.4863% | 2,278 |
| Retained earnings to average equity (ytd only) | 2.8834% | 4,305 |
| Net charge-offs to loans | 0.0919% | 5,211 |
| Credit loss provision to net charge-offs | 328.2051% | 1,116 |
| Earnings coverage of net charge-offs (x) | 11.7179% | 1,740 |
| Efficiency ratio | 78.6748% | 2,631 |
| Assets per employee ($millions) | 2.5597% | 7,026 |
| Cash dividends to net income (ytd only)* | 69.6049% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6907% | 7,271 |
| Loan loss allowance to noncurrent loans | 84.7143% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 2.6154% | 2,764 |
| Noncurrent loans to loans | 0.8153% | 5,645 |
| Net loans and leases to total assets | 85.4062% | 264 |
| Net loans and leases to deposits | 110.0071% | 274 |
| Net loans and leases to core deposits | 110.4489% | 1,138 |
| Total domestic deposits to total assets | 77.6370% | 6,359 |
| Equity capital to assets | 7.0189% | 7,341 |
| Core capital (leverage) ratio | 7.0189% | 7,184 |
| Tier 1 risk-based capital ratio | 11.0442% | 6,196 |
| Total risk-based capital ratio | 11.9789% | 6,489 |
| Memoranda: | ||
| Average total assets | $102,068,330 | 5,018 |
| Average earning assets | $91,313,000 | 5,052 |
| Average equity | $6,936,330 | 6,165 |
| Average total loans | $84,899,330 | 4,297 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2565% | 572 |
| Cost of funding earning assets | 2.2077% | 576 |
| Net interest margin | 4.0488% | 2,652 |
| Noninterest income to average assets | 0.5427% | 3,702 |
| Noninterest expense to average assets | 3.3182% | 2,471 |
| Loan and lease loss provision to assets | 0.2248% | 4,246 |
| Net operating income to assets | 0.5970% | 3,908 |
| Return on assets (ROA) | 0.5970% | 4,055 |
| Pretax return on assets | 0.5970% | 4,614 |
| Return on Equity (ROE) | 8.9262% | 2,523 |
| Retained earnings to average equity (ytd only) | -0.6956% | 5,993 |
| Net charge-offs to loans | 0.1516% | 4,023 |
| Credit loss provision to net charge-offs | 181.2500% | 2,023 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 2,196 |
| Efficiency ratio | 80.1498% | 2,547 |
| Assets per employee ($millions) | 2.6748% | 6,912 |
| Cash dividends to net income (ytd only)* | 107.7922% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6675% | 7,401 |
| Loan loss allowance to noncurrent loans | 68.8424% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.9780% | 2,413 |
| Noncurrent loans to loans | 0.9696% | 5,397 |
| Net loans and leases to total assets | 81.8415% | 612 |
| Net loans and leases to deposits | 107.5977% | 358 |
| Net loans and leases to core deposits | 109.4163% | 1,321 |
| Total domestic deposits to total assets | 76.0625% | 6,748 |
| Equity capital to assets | 6.7835% | 7,459 |
| Core capital (leverage) ratio | 6.7835% | 7,359 |
| Tier 1 risk-based capital ratio | 10.5987% | 6,542 |
| Total risk-based capital ratio | 11.4580% | 6,875 |
| Memoranda: | ||
| Average total assets | $103,187,500 | 5,055 |
| Average earning assets | $91,681,000 | 5,114 |
| Average equity | $6,901,000 | 6,223 |
| Average total loans | $84,422,000 | 4,371 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6980% | 464 |
| Cost of funding earning assets | 2.6220% | 730 |
| Net interest margin | 4.0760% | 2,547 |
| Noninterest income to average assets | 0.5135% | 4,306 |
| Noninterest expense to average assets | 3.1532% | 3,534 |
| Loan and lease loss provision to assets | 0.3374% | 4,779 |
| Net operating income to assets | 0.7052% | 2,908 |
| Return on assets (ROA) | 0.7052% | 2,977 |
| Pretax return on assets | 0.7052% | 3,554 |
| Return on Equity (ROE) | 10.5108% | 1,549 |
| Retained earnings to average equity (ytd only) | 1.5599% | 3,985 |
| Net charge-offs to loans | 0.3851% | 4,279 |
| Credit loss provision to net charge-offs | 102.6786% | 5,375 |
| Earnings coverage of net charge-offs (x) | 3.1726% | 3,471 |
| Efficiency ratio | 75.1515% | 3,678 |
| Assets per employee ($millions) | 2.7561% | 6,743 |
| Cash dividends to net income (ytd only)* | 85.1595% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 7,467 |
| Loan loss allowance to noncurrent loans | 69.1158% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.8034% | 2,496 |
| Noncurrent loans to loans | 0.9436% | 5,427 |
| Net loans and leases to total assets | 80.7239% | 876 |
| Net loans and leases to deposits | 107.8107% | 468 |
| Net loans and leases to core deposits | 117.2092% | 2,210 |
| Total domestic deposits to total assets | 74.8756% | 6,886 |
| Equity capital to assets | 6.5950% | 7,540 |
| Core capital (leverage) ratio | 6.5950% | 7,449 |
| Tier 1 risk-based capital ratio | 10.4685% | 6,431 |
| Total risk-based capital ratio | 11.3097% | 6,788 |
| Memoranda: | ||
| Average total assets | $102,244,600 | 5,031 |
| Average earning assets | $92,370,600 | 5,048 |
| Average equity | $6,859,600 | 6,315 |
| Average total loans | $87,243,600 | 4,295 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7415% | 470 |
| Cost of funding earning assets | 2.7145% | 763 |
| Net interest margin | 4.0270% | 2,695 |
| Noninterest income to average assets | 0.5196% | 4,323 |
| Noninterest expense to average assets | 3.2000% | 3,296 |
| Loan and lease loss provision to assets | 0.2755% | 4,771 |
| Net operating income to assets | 0.7032% | 3,193 |
| Return on assets (ROA) | 0.7032% | 3,253 |
| Pretax return on assets | 0.7032% | 3,845 |
| Return on Equity (ROE) | 10.4363% | 1,778 |
| Retained earnings to average equity (ytd only) | 0.8178% | 4,838 |
| Net charge-offs to loans | 0.4542% | 3,417 |
| Credit loss provision to net charge-offs | 70.2341% | 5,981 |
| Earnings coverage of net charge-offs (x) | 2.4950% | 3,981 |
| Efficiency ratio | 76.5777% | 3,408 |
| Assets per employee ($millions) | 2.6474% | 6,947 |
| Cash dividends to net income (ytd only)* | 92.1640% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 7,613 |
| Loan loss allowance to noncurrent loans | 79.8107% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 2.1501% | 3,157 |
| Noncurrent loans to loans | 0.7252% | 5,858 |
| Net loans and leases to total assets | 86.4027% | 319 |
| Net loans and leases to deposits | 116.8903% | 257 |
| Net loans and leases to core deposits | 127.5096% | 1,617 |
| Total domestic deposits to total assets | 73.9178% | 6,958 |
| Equity capital to assets | 6.8001% | 7,677 |
| Core capital (leverage) ratio | 6.8001% | 7,543 |
| Tier 1 risk-based capital ratio | 10.4952% | 6,478 |
| Total risk-based capital ratio | 11.2715% | 6,912 |
| Memoranda: | ||
| Average total assets | $101,623,000 | 5,076 |
| Average earning assets | $92,341,750 | 5,087 |
| Average equity | $6,847,750 | 6,376 |
| Average total loans | $87,780,000 | 4,314 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7755% | 472 |
| Cost of funding earning assets | 2.8446% | 704 |
| Net interest margin | 3.9310% | 2,973 |
| Noninterest income to average assets | 0.6806% | 3,113 |
| Noninterest expense to average assets | 3.1658% | 3,450 |
| Loan and lease loss provision to assets | 0.2942% | 4,210 |
| Net operating income to assets | 0.7905% | 2,888 |
| Return on assets (ROA) | 0.7905% | 2,981 |
| Pretax return on assets | 0.7905% | 3,701 |
| Return on Equity (ROE) | 11.7664% | 1,493 |
| Retained earnings to average equity (ytd only) | 4.8175% | 2,626 |
| Net charge-offs to loans | 0.4073% | 3,162 |
| Credit loss provision to net charge-offs | 83.7989% | 5,091 |
| Earnings coverage of net charge-offs (x) | 3.0894% | 3,575 |
| Efficiency ratio | 74.4808% | 3,955 |
| Assets per employee ($millions) | 2.5351% | 7,186 |
| Cash dividends to net income (ytd only)* | 59.0571% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 7,475 |
| Loan loss allowance to noncurrent loans | 88.2883% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 2.1089% | 3,050 |
| Noncurrent loans to loans | 0.7663% | 5,703 |
| Net loans and leases to total assets | 87.3093% | 285 |
| Net loans and leases to deposits | 117.4451% | 291 |
| Net loans and leases to core deposits | 126.7469% | 1,802 |
| Total domestic deposits to total assets | 74.3405% | 6,904 |
| Equity capital to assets | 7.0437% | 7,588 |
| Core capital (leverage) ratio | 7.0437% | 7,506 |
| Tier 1 risk-based capital ratio | 10.8875% | 5,995 |
| Total risk-based capital ratio | 11.8068% | 6,273 |
| Memoranda: | ||
| Average total assets | $101,963,670 | 5,103 |
| Average earning assets | $92,597,670 | 5,104 |
| Average equity | $6,850,000 | 6,423 |
| Average total loans | $87,897,330 | 4,338 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6274% | 670 |
| Cost of funding earning assets | 2.9640% | 659 |
| Net interest margin | 3.6634% | 4,047 |
| Noninterest income to average assets | 0.3980% | 5,221 |
| Noninterest expense to average assets | 3.0837% | 3,436 |
| Loan and lease loss provision to assets | 0.1739% | 4,722 |
| Net operating income to assets | 0.4599% | 4,614 |
| Return on assets (ROA) | 0.4599% | 4,790 |
| Pretax return on assets | 0.4599% | 5,208 |
| Return on Equity (ROE) | 7.0072% | 3,592 |
| Retained earnings to average equity (ytd only) | -0.7066% | 5,814 |
| Net charge-offs to loans | 0.2806% | 2,994 |
| Credit loss provision to net charge-offs | 72.5806% | 4,307 |
| Earnings coverage of net charge-offs (x) | 2.6452% | 3,437 |
| Efficiency ratio | 82.9522% | 2,415 |
| Assets per employee ($millions) | 2.7481% | 6,772 |
| Cash dividends to net income (ytd only)* | 110.0840% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 7,477 |
| Loan loss allowance to noncurrent loans | 52.7145% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 2.2791% | 2,518 |
| Noncurrent loans to loans | 1.3033% | 4,369 |
| Net loans and leases to total assets | 83.3308% | 799 |
| Net loans and leases to deposits | 114.0440% | 447 |
| Net loans and leases to core deposits | 121.9334% | 2,264 |
| Total domestic deposits to total assets | 73.0690% | 7,036 |
| Equity capital to assets | 6.4993% | 7,869 |
| Core capital (leverage) ratio | 6.4993% | 7,879 |
| Tier 1 risk-based capital ratio | 10.5246% | 6,372 |
| Total risk-based capital ratio | 11.4581% | 6,624 |
| Memoranda: | ||
| Average total assets | $103,511,500 | 5,084 |
| Average earning assets | $93,793,000 | 5,094 |
| Average equity | $6,793,000 | 6,487 |
| Average total loans | $88,391,500 | 4,347 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8999% | 1,398 |
| Cost of funding earning assets | 3.4479% | 611 |
| Net interest margin | 3.4520% | 5,458 |
| Noninterest income to average assets | 0.4550% | 5,003 |
| Noninterest expense to average assets | 2.8641% | 4,558 |
| Loan and lease loss provision to assets | 0.1724% | 5,179 |
| Net operating income to assets | 0.5958% | 4,315 |
| Return on assets (ROA) | 0.5958% | 4,186 |
| Pretax return on assets | 0.5958% | 4,709 |
| Return on Equity (ROE) | 9.1860% | 2,575 |
| Retained earnings to average equity (ytd only) | 1.1076% | 4,566 |
| Net charge-offs to loans | 0.1710% | 4,496 |
| Credit loss provision to net charge-offs | 116.1290% | 4,645 |
| Earnings coverage of net charge-offs (x) | 5.1742% | 3,736 |
| Efficiency ratio | 78.8502% | 2,783 |
| Assets per employee ($millions) | 2.7729% | 6,625 |
| Cash dividends to net income (ytd only)* | 87.9421% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 7,425 |
| Loan loss allowance to noncurrent loans | 78.6616% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.1930% | 2,230 |
| Noncurrent loans to loans | 0.8883% | 4,841 |
| Net loans and leases to total assets | 86.2978% | 572 |
| Net loans and leases to deposits | 117.5333% | 457 |
| Net loans and leases to core deposits | 128.5409% | 1,961 |
| Total domestic deposits to total assets | 73.4242% | 6,749 |
| Equity capital to assets | 6.6269% | 7,895 |
| Core capital (leverage) ratio | 6.6269% | 7,888 |
| Tier 1 risk-based capital ratio | 10.2724% | 6,448 |
| Total risk-based capital ratio | 11.2137% | 6,666 |
| Memoranda: | ||
| Average total assets | $104,395,800 | 4,918 |
| Average earning assets | $96,088,000 | 4,920 |
| Average equity | $6,771,200 | 6,542 |
| Average total loans | $90,635,800 | 4,208 |