Home > Southwind Bank > Performance and Condition Ratios
Southwind 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 | 4.0831% | 3,834 |
| Cost of funding earning assets | 1.1313% | 2,982 |
| Net interest margin | 2.9518% | 3,390 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.9345% | 3,766 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8236% | 2,795 |
| Return on assets (ROA) | 0.7852% | 2,898 |
| Pretax return on assets | 0.9065% | 2,949 |
| Return on Equity (ROE) | 15.8600% | 1,124 |
| Retained earnings to average equity (ytd only) | 3.8355% | 3,020 |
| Net charge-offs to loans | 0.0619% | 1,233 |
| Credit loss provision to net charge-offs | 123.9130% | 1,644 |
| Earnings coverage of net charge-offs (x) | 36.8261% | 1,499 |
| Efficiency ratio | 66.2886% | 2,315 |
| Assets per employee ($millions) | 9.3322% | 879 |
| Cash dividends to net income (ytd only)* | 75.8136% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,005 |
| Loan loss allowance to noncurrent loans | 382.0261% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 2,381 |
| Noncurrent loans to loans | 0.3965% | 1,793 |
| Net loans and leases to total assets | 42.8600% | 3,941 |
| Net loans and leases to deposits | 50.7773% | 3,922 |
| Net loans and leases to core deposits | 53.6611% | 3,984 |
| Total domestic deposits to total assets | 84.4200% | 2,496 |
| Equity capital to assets | 5.7537% | 4,286 |
| Core capital (leverage) ratio | 9.9200% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $172,191,600 | 3,181 |
| Average earning assets | $162,915,600 | 3,149 |
| Average equity | $8,525,600 | 3,875 |
| Average total loans | $74,287,800 | 3,488 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9958% | 3,848 |
| Cost of funding earning assets | 1.0377% | 2,930 |
| Net interest margin | 2.9580% | 3,420 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.7911% | 4,000 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9203% | 2,616 |
| Return on assets (ROA) | 0.8698% | 2,781 |
| Pretax return on assets | 1.0313% | 2,766 |
| Return on Equity (ROE) | 18.3400% | 906 |
| Retained earnings to average equity (ytd only) | 10.1151% | 1,371 |
| Net charge-offs to loans | 0.0453% | 1,241 |
| Credit loss provision to net charge-offs | 168.0000% | 1,238 |
| Earnings coverage of net charge-offs (x) | 57.7600% | 1,224 |
| Efficiency ratio | 61.3904% | 2,796 |
| Assets per employee ($millions) | 8.4524% | 1,136 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,012 |
| Loan loss allowance to noncurrent loans | 119.7757% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 1,005 |
| Noncurrent loans to loans | 1.2856% | 593 |
| Net loans and leases to total assets | 44.4500% | 3,898 |
| Net loans and leases to deposits | 51.2923% | 3,893 |
| Net loans and leases to core deposits | 54.1651% | 3,922 |
| Total domestic deposits to total assets | 86.6500% | 1,998 |
| Equity capital to assets | 3.6605% | 4,440 |
| Core capital (leverage) ratio | 10.8354% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $170,911,500 | 3,197 |
| Average earning assets | $161,499,750 | 3,171 |
| Average equity | $8,106,500 | 3,923 |
| Average total loans | $73,566,500 | 3,507 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,939 |
| Cost of funding earning assets | 0.8810% | 2,986 |
| Net interest margin | 2.9748% | 3,497 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.7559% | 4,077 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9732% | 2,511 |
| Return on assets (ROA) | 0.8978% | 2,748 |
| Pretax return on assets | 1.0669% | 2,730 |
| Return on Equity (ROE) | 17.6100% | 997 |
| Retained earnings to average equity (ytd only) | 6.1743% | 2,556 |
| Net charge-offs to loans | 0.0771% | 808 |
| Credit loss provision to net charge-offs | 96.4286% | 1,475 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,455 |
| Efficiency ratio | 59.5728% | 3,010 |
| Assets per employee ($millions) | 9.0715% | 893 |
| Cash dividends to net income (ytd only)* | 64.9351% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 1,003 |
| Loan loss allowance to noncurrent loans | 113.9901% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 916 |
| Noncurrent loans to loans | 1.3741% | 511 |
| Net loans and leases to total assets | 42.1800% | 3,958 |
| Net loans and leases to deposits | 49.2685% | 3,947 |
| Net loans and leases to core deposits | 51.7815% | 3,963 |
| Total domestic deposits to total assets | 85.6200% | 2,355 |
| Equity capital to assets | 5.0987% | 4,360 |
| Core capital (leverage) ratio | 10.7100% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $171,532,667 | 3,205 |
| Average earning assets | $162,765,667 | 3,167 |
| Average equity | $8,746,000 | 3,872 |
| Average total loans | $72,652,333 | 3,524 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 3,852 |
| Cost of funding earning assets | 0.7806% | 2,800 |
| Net interest margin | 3.0213% | 3,549 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.7578% | 4,102 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0012% | 2,518 |
| Return on assets (ROA) | 0.8859% | 2,852 |
| Pretax return on assets | 1.0472% | 2,867 |
| Return on Equity (ROE) | 17.3800% | 1,117 |
| Retained earnings to average equity (ytd only) | 17.3754% | 566 |
| Net charge-offs to loans | 0.0999% | 597 |
| Credit loss provision to net charge-offs | 66.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 28.9444% | 1,324 |
| Efficiency ratio | 59.0731% | 3,066 |
| Assets per employee ($millions) | 8.8585% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,016 |
| Loan loss allowance to noncurrent loans | 240.5010% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 1,735 |
| Noncurrent loans to loans | 0.6640% | 1,134 |
| Net loans and leases to total assets | 42.1800% | 3,945 |
| Net loans and leases to deposits | 46.6668% | 4,008 |
| Net loans and leases to core deposits | 48.9522% | 4,018 |
| Total domestic deposits to total assets | 90.3800% | 1,015 |
| Equity capital to assets | 5.5706% | 4,326 |
| Core capital (leverage) ratio | 10.8223% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $171,120,000 | 3,253 |
| Average earning assets | $162,448,500 | 3,215 |
| Average equity | $8,725,000 | 3,922 |
| Average total loans | $72,046,000 | 3,570 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 3,166 |
| Cost of funding earning assets | 0.2901% | 2,961 |
| Net interest margin | 3.1749% | 2,944 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.6734% | 4,216 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2292% | 1,667 |
| Return on assets (ROA) | 1.1904% | 1,748 |
| Pretax return on assets | 1.4085% | 1,747 |
| Return on Equity (ROE) | 19.2900% | 541 |
| Retained earnings to average equity (ytd only) | 9.9462% | 1,174 |
| Net charge-offs to loans | 0.0339% | 1,400 |
| Credit loss provision to net charge-offs | 130.4348% | 1,404 |
| Earnings coverage of net charge-offs (x) | 112.0435% | 919 |
| Efficiency ratio | 53.2135% | 3,860 |
| Assets per employee ($millions) | 9.1541% | 868 |
| Cash dividends to net income (ytd only)* | 48.4412% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 961 |
| Loan loss allowance to noncurrent loans | 208.2734% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 1,583 |
| Noncurrent loans to loans | 0.7728% | 966 |
| Net loans and leases to total assets | 40.7000% | 4,041 |
| Net loans and leases to deposits | 46.5088% | 4,030 |
| Net loans and leases to core deposits | 48.8372% | 4,023 |
| Total domestic deposits to total assets | 87.5100% | 2,232 |
| Equity capital to assets | 4.6422% | 4,443 |
| Core capital (leverage) ratio | 10.3579% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $175,150,200 | 3,233 |
| Average earning assets | $166,840,800 | 3,188 |
| Average equity | $10,808,200 | 3,780 |
| Average total loans | $67,833,200 | 3,614 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 3,084 |
| Cost of funding earning assets | 0.2454% | 2,756 |
| Net interest margin | 3.0916% | 2,960 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.5479% | 4,366 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.2266% | 1,602 |
| Return on assets (ROA) | 1.1649% | 1,810 |
| Pretax return on assets | 1.4210% | 1,656 |
| Return on Equity (ROE) | 17.7900% | 670 |
| Retained earnings to average equity (ytd only) | 8.3884% | 1,857 |
| Net charge-offs to loans | 0.0639% | 852 |
| Credit loss provision to net charge-offs | 68.7500% | 1,458 |
| Earnings coverage of net charge-offs (x) | 62.2188% | 1,155 |
| Efficiency ratio | 50.5710% | 4,122 |
| Assets per employee ($millions) | 9.0968% | 863 |
| Cash dividends to net income (ytd only)* | 52.8376% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 994 |
| Loan loss allowance to noncurrent loans | 244.3255% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 1,872 |
| Noncurrent loans to loans | 0.6708% | 1,216 |
| Net loans and leases to total assets | 39.6200% | 4,088 |
| Net loans and leases to deposits | 41.1741% | 4,204 |
| Net loans and leases to core deposits | 43.5227% | 4,180 |
| Total domestic deposits to total assets | 96.2300% | 115 |
| Equity capital to assets | 3.5947% | 4,535 |
| Core capital (leverage) ratio | 9.8905% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $175,455,750 | 3,254 |
| Average earning assets | $167,374,500 | 3,199 |
| Average equity | $11,491,750 | 3,765 |
| Average total loans | $66,804,250 | 3,651 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1771% | 3,118 |
| Cost of funding earning assets | 0.2165% | 2,685 |
| Net interest margin | 2.9606% | 3,004 |
| Noninterest income to average assets | 0.1134% | 4,428 |
| Noninterest expense to average assets | 1.4927% | 4,427 |
| Loan and lease loss provision to assets | 0.0170% | 2,297 |
| Net operating income to assets | 1.1851% | 1,480 |
| Return on assets (ROA) | 1.0912% | 1,788 |
| Pretax return on assets | 1.3271% | 1,652 |
| Return on Equity (ROE) | 14.5193% | 994 |
| Retained earnings to average equity (ytd only) | 8.3312% | 1,500 |
| Net charge-offs to loans | 0.1063% | 565 |
| Credit loss provision to net charge-offs | 42.8571% | 1,523 |
| Earnings coverage of net charge-offs (x) | 36.7429% | 1,305 |
| Efficiency ratio | 50.5765% | 4,215 |
| Assets per employee ($millions) | 10.3397% | 597 |
| Cash dividends to net income (ytd only)* | 42.6195% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 985 |
| Loan loss allowance to noncurrent loans | 212.9944% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 1,796 |
| Noncurrent loans to loans | 0.7904% | 1,086 |
| Net loans and leases to total assets | 37.5782% | 4,187 |
| Net loans and leases to deposits | 39.7931% | 4,273 |
| Net loans and leases to core deposits | 42.0666% | 4,262 |
| Total domestic deposits to total assets | 94.4338% | 204 |
| Equity capital to assets | 5.4536% | 4,378 |
| Core capital (leverage) ratio | 9.6807% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,327,667 | 3,272 |
| Average earning assets | $169,021,667 | 3,228 |
| Average equity | $13,251,333 | 3,663 |
| Average total loans | $65,865,333 | 3,696 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0645% | 3,068 |
| Cost of funding earning assets | 0.2049% | 2,728 |
| Net interest margin | 2.8595% | 2,961 |
| Noninterest income to average assets | 0.1178% | 4,416 |
| Noninterest expense to average assets | 1.5130% | 4,411 |
| Loan and lease loss provision to assets | 0.0181% | 2,031 |
| Net operating income to assets | 1.1136% | 1,495 |
| Return on assets (ROA) | 0.9218% | 2,187 |
| Pretax return on assets | 1.1053% | 2,122 |
| Return on Equity (ROE) | 10.7929% | 1,686 |
| Retained earnings to average equity (ytd only) | 9.2018% | 1,213 |
| Net charge-offs to loans | 0.1104% | 485 |
| Credit loss provision to net charge-offs | 44.4444% | 1,216 |
| Earnings coverage of net charge-offs (x) | 33.2222% | 1,085 |
| Efficiency ratio | 52.7646% | 4,139 |
| Assets per employee ($millions) | 9.7602% | 721 |
| Cash dividends to net income (ytd only)* | 14.7420% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 916 |
| Loan loss allowance to noncurrent loans | 313.4615% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,458 |
| Noncurrent loans to loans | 0.5669% | 1,623 |
| Net loans and leases to total assets | 34.0097% | 4,307 |
| Net loans and leases to deposits | 36.5590% | 4,367 |
| Net loans and leases to core deposits | 37.8679% | 4,376 |
| Total domestic deposits to total assets | 93.0270% | 267 |
| Equity capital to assets | 6.8921% | 4,263 |
| Core capital (leverage) ratio | 9.8532% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,604,000 | 3,284 |
| Average earning assets | $169,817,500 | 3,225 |
| Average equity | $15,084,000 | 3,556 |
| Average total loans | $65,206,000 | 3,715 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8703% | 1,699 |
| Cost of funding earning assets | 0.2538% | 2,880 |
| Net interest margin | 3.6165% | 1,421 |
| Noninterest income to average assets | 0.1570% | 4,363 |
| Noninterest expense to average assets | 1.9177% | 3,888 |
| Loan and lease loss provision to assets | 0.0644% | 1,778 |
| Net operating income to assets | 1.3504% | 1,438 |
| Return on assets (ROA) | 1.3488% | 1,486 |
| Pretax return on assets | 1.6487% | 1,278 |
| Return on Equity (ROE) | 12.2056% | 1,743 |
| Retained earnings to average equity (ytd only) | 8.4205% | 1,383 |
| Net charge-offs to loans | 0.0249% | 1,746 |
| Credit loss provision to net charge-offs | 588.2353% | 735 |
| Earnings coverage of net charge-offs (x) | 156.7647% | 635 |
| Efficiency ratio | 52.7901% | 4,055 |
| Assets per employee ($millions) | 8.8297% | 975 |
| Cash dividends to net income (ytd only)* | 31.0115% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 962 |
| Loan loss allowance to noncurrent loans | 259.2342% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 2,222 |
| Noncurrent loans to loans | 0.6707% | 1,491 |
| Net loans and leases to total assets | 38.7753% | 4,152 |
| Net loans and leases to deposits | 43.3919% | 4,208 |
| Net loans and leases to core deposits | 45.4654% | 4,208 |
| Total domestic deposits to total assets | 89.3606% | 1,316 |
| Equity capital to assets | 10.3640% | 2,308 |
| Core capital (leverage) ratio | 10.2540% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,395,600 | 3,436 |
| Average earning assets | $149,344,200 | 3,382 |
| Average equity | $17,172,400 | 3,445 |
| Average total loans | $68,157,200 | 3,680 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 1,457 |
| Cost of funding earning assets | 0.2626% | 2,990 |
| Net interest margin | 3.7726% | 1,173 |
| Noninterest income to average assets | 0.1523% | 4,432 |
| Noninterest expense to average assets | 1.9820% | 3,736 |
| Loan and lease loss provision to assets | 0.0742% | 1,560 |
| Net operating income to assets | 1.3974% | 1,552 |
| Return on assets (ROA) | 1.3945% | 1,624 |
| Pretax return on assets | 1.7150% | 1,374 |
| Return on Equity (ROE) | 12.4071% | 1,903 |
| Retained earnings to average equity (ytd only) | 8.5129% | 1,870 |
| Net charge-offs to loans | -0.0602% | 4,430 |
| Credit loss provision to net charge-offs | -274.1935% | 3,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5046% | 3,983 |
| Assets per employee ($millions) | 8.1456% | 1,210 |
| Cash dividends to net income (ytd only)* | 31.3873% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8030% | 918 |
| Loan loss allowance to noncurrent loans | 269.0909% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 2,353 |
| Noncurrent loans to loans | 0.6700% | 1,636 |
| Net loans and leases to total assets | 41.6659% | 4,114 |
| Net loans and leases to deposits | 47.2539% | 4,155 |
| Net loans and leases to core deposits | 49.9396% | 4,143 |
| Total domestic deposits to total assets | 88.1745% | 1,733 |
| Equity capital to assets | 11.2815% | 1,830 |
| Core capital (leverage) ratio | 10.3709% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,303,500 | 3,500 |
| Average earning assets | $146,242,500 | 3,446 |
| Average equity | $17,118,750 | 3,496 |
| Average total loans | $68,646,000 | 3,727 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 1,649 |
| Cost of funding earning assets | 0.2680% | 3,104 |
| Net interest margin | 3.6951% | 1,361 |
| Noninterest income to average assets | 0.1426% | 4,489 |
| Noninterest expense to average assets | 1.9685% | 3,789 |
| Loan and lease loss provision to assets | 0.0924% | 1,354 |
| Net operating income to assets | 1.3321% | 1,771 |
| Return on assets (ROA) | 1.3256% | 1,852 |
| Pretax return on assets | 1.6240% | 1,674 |
| Return on Equity (ROE) | 11.8083% | 2,130 |
| Retained earnings to average equity (ytd only) | 8.2799% | 1,984 |
| Net charge-offs to loans | -0.0718% | 4,512 |
| Credit loss provision to net charge-offs | -280.0000% | 3,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3071% | 3,883 |
| Assets per employee ($millions) | 8.1684% | 1,133 |
| Cash dividends to net income (ytd only)* | 29.8805% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7211% | 1,018 |
| Loan loss allowance to noncurrent loans | 251.7316% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 2,435 |
| Noncurrent loans to loans | 0.6837% | 1,712 |
| Net loans and leases to total assets | 42.7909% | 4,122 |
| Net loans and leases to deposits | 49.2722% | 4,152 |
| Net loans and leases to core deposits | 52.1075% | 4,127 |
| Total domestic deposits to total assets | 86.8459% | 2,408 |
| Equity capital to assets | 11.0922% | 1,918 |
| Core capital (leverage) ratio | 10.2174% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,482,333 | 3,518 |
| Average earning assets | $145,545,000 | 3,462 |
| Average equity | $17,005,000 | 3,511 |
| Average total loans | $69,638,333 | 3,733 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 1,070 |
| Cost of funding earning assets | 0.2699% | 3,275 |
| Net interest margin | 4.0125% | 828 |
| Noninterest income to average assets | 0.1390% | 4,510 |
| Noninterest expense to average assets | 2.2697% | 2,882 |
| Loan and lease loss provision to assets | 0.1470% | 893 |
| Net operating income to assets | 1.2927% | 1,851 |
| Return on assets (ROA) | 1.2752% | 1,980 |
| Pretax return on assets | 1.5559% | 1,840 |
| Return on Equity (ROE) | 11.2899% | 2,276 |
| Retained earnings to average equity (ytd only) | 11.2899% | 1,322 |
| Net charge-offs to loans | -0.1245% | 4,698 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8273% | 3,449 |
| Assets per employee ($millions) | 7.6825% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,291 |
| Loan loss allowance to noncurrent loans | 131.7606% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 1,672 |
| Noncurrent loans to loans | 1.2159% | 1,083 |
| Net loans and leases to total assets | 45.7686% | 3,975 |
| Net loans and leases to deposits | 51.5954% | 4,067 |
| Net loans and leases to core deposits | 54.4022% | 4,077 |
| Total domestic deposits to total assets | 88.7067% | 1,498 |
| Equity capital to assets | 10.9086% | 1,932 |
| Core capital (leverage) ratio | 10.3154% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,624,000 | 3,536 |
| Average earning assets | $143,750,500 | 3,476 |
| Average equity | $16,900,000 | 3,518 |
| Average total loans | $70,670,500 | 3,721 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 2,449 |
| Cost of funding earning assets | 0.3625% | 3,807 |
| Net interest margin | 3.7283% | 1,711 |
| Noninterest income to average assets | 0.1704% | 4,434 |
| Noninterest expense to average assets | 1.9761% | 4,182 |
| Loan and lease loss provision to assets | 0.1047% | 3,028 |
| Net operating income to assets | 1.3278% | 1,183 |
| Return on assets (ROA) | 1.4483% | 1,000 |
| Pretax return on assets | 1.7956% | 691 |
| Return on Equity (ROE) | 12.8432% | 1,079 |
| Retained earnings to average equity (ytd only) | 9.6420% | 651 |
| Net charge-offs to loans | 0.0547% | 2,004 |
| Credit loss provision to net charge-offs | 391.8919% | 1,457 |
| Earnings coverage of net charge-offs (x) | 65.5676% | 1,018 |
| Efficiency ratio | 53.0118% | 4,309 |
| Assets per employee ($millions) | 7.6631% | 1,181 |
| Cash dividends to net income (ytd only)* | 24.9252% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 1,488 |
| Loan loss allowance to noncurrent loans | 268.3417% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 2,931 |
| Noncurrent loans to loans | 0.5696% | 2,273 |
| Net loans and leases to total assets | 47.2565% | 4,030 |
| Net loans and leases to deposits | 53.9554% | 4,112 |
| Net loans and leases to core deposits | 57.1010% | 4,091 |
| Total domestic deposits to total assets | 87.5844% | 1,668 |
| Equity capital to assets | 11.7027% | 1,733 |
| Core capital (leverage) ratio | 10.3676% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4641% | 843 |
| Memoranda: | ||
| Average total assets | $138,505,200 | 3,530 |
| Average earning assets | $132,150,800 | 3,481 |
| Average equity | $15,619,200 | 3,594 |
| Average total loans | $67,658,200 | 3,782 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 3,382 |
| Cost of funding earning assets | 0.3838% | 3,902 |
| Net interest margin | 3.4766% | 2,672 |
| Noninterest income to average assets | 0.1541% | 4,523 |
| Noninterest expense to average assets | 2.0283% | 4,091 |
| Loan and lease loss provision to assets | 0.1119% | 2,925 |
| Net operating income to assets | 1.0912% | 2,011 |
| Return on assets (ROA) | 1.2560% | 1,582 |
| Pretax return on assets | 1.5270% | 1,387 |
| Return on Equity (ROE) | 11.2504% | 1,606 |
| Retained earnings to average equity (ytd only) | 6.8830% | 1,742 |
| Net charge-offs to loans | 0.0159% | 2,564 |
| Credit loss provision to net charge-offs | 1,437.5000% | 635 |
| Earnings coverage of net charge-offs (x) | 184.3750% | 517 |
| Efficiency ratio | 58.5091% | 3,599 |
| Assets per employee ($millions) | 7.4391% | 1,250 |
| Cash dividends to net income (ytd only)* | 38.8199% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,494 |
| Loan loss allowance to noncurrent loans | 179.3277% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 2,481 |
| Noncurrent loans to loans | 0.8156% | 1,789 |
| Net loans and leases to total assets | 50.8582% | 4,044 |
| Net loans and leases to deposits | 58.4437% | 4,142 |
| Net loans and leases to core deposits | 61.9984% | 4,108 |
| Total domestic deposits to total assets | 87.0208% | 1,664 |
| Equity capital to assets | 11.5125% | 1,997 |
| Core capital (leverage) ratio | 10.1497% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4198% | 985 |
| Memoranda: | ||
| Average total assets | $136,731,750 | 3,543 |
| Average earning assets | $130,279,000 | 3,495 |
| Average equity | $15,264,250 | 3,632 |
| Average total loans | $67,104,500 | 3,807 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,598 |
| Cost of funding earning assets | 0.4110% | 3,991 |
| Net interest margin | 3.8421% | 1,705 |
| Noninterest income to average assets | 0.1612% | 4,485 |
| Noninterest expense to average assets | 2.1086% | 4,013 |
| Loan and lease loss provision to assets | 0.1405% | 2,608 |
| Net operating income to assets | 1.2733% | 1,428 |
| Return on assets (ROA) | 1.5201% | 966 |
| Pretax return on assets | 1.8794% | 698 |
| Return on Equity (ROE) | 13.7280% | 934 |
| Retained earnings to average equity (ytd only) | 10.3895% | 713 |
| Net charge-offs to loans | 0.1135% | 1,168 |
| Credit loss provision to net charge-offs | 256.7568% | 1,733 |
| Earnings coverage of net charge-offs (x) | 31.3514% | 1,398 |
| Efficiency ratio | 55.1431% | 4,048 |
| Assets per employee ($millions) | 7.0020% | 1,436 |
| Cash dividends to net income (ytd only)* | 24.3191% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,571 |
| Loan loss allowance to noncurrent loans | 155.8959% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 2,454 |
| Noncurrent loans to loans | 0.8998% | 1,701 |
| Net loans and leases to total assets | 51.0940% | 4,091 |
| Net loans and leases to deposits | 58.1544% | 4,212 |
| Net loans and leases to core deposits | 61.6838% | 4,186 |
| Total domestic deposits to total assets | 87.8592% | 1,251 |
| Equity capital to assets | 11.4446% | 2,009 |
| Core capital (leverage) ratio | 10.3869% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5300% | 973 |
| Memoranda: | ||
| Average total assets | $135,258,667 | 3,544 |
| Average earning assets | $128,940,333 | 3,485 |
| Average equity | $14,976,667 | 3,656 |
| Average total loans | $65,219,333 | 3,848 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,267 |
| Cost of funding earning assets | 0.4640% | 4,096 |
| Net interest margin | 3.3112% | 3,563 |
| Noninterest income to average assets | 0.2228% | 4,219 |
| Noninterest expense to average assets | 1.8755% | 4,571 |
| Loan and lease loss provision to assets | 0.0903% | 2,555 |
| Net operating income to assets | 1.1691% | 1,621 |
| Return on assets (ROA) | 1.1741% | 1,723 |
| Pretax return on assets | 1.4210% | 1,505 |
| Return on Equity (ROE) | 10.7947% | 1,471 |
| Retained earnings to average equity (ytd only) | 10.7947% | 597 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4764% | 4,260 |
| Assets per employee ($millions) | 6.7040% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,141 |
| Loan loss allowance to noncurrent loans | 143.0636% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 2,447 |
| Noncurrent loans to loans | 1.0992% | 1,511 |
| Net loans and leases to total assets | 46.2168% | 4,414 |
| Net loans and leases to deposits | 53.7232% | 4,457 |
| Net loans and leases to core deposits | 56.0138% | 4,490 |
| Total domestic deposits to total assets | 86.0276% | 1,992 |
| Equity capital to assets | 10.8406% | 2,999 |
| Core capital (leverage) ratio | 10.6079% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6580% | 1,201 |
| Memoranda: | ||
| Average total assets | $132,868,000 | 3,552 |
| Average earning assets | $126,720,000 | 3,486 |
| Average equity | $14,451,500 | 3,723 |
| Average total loans | $61,544,000 | 3,930 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 4,437 |
| Cost of funding earning assets | 0.5249% | 3,989 |
| Net interest margin | 3.3716% | 3,819 |
| Noninterest income to average assets | 0.1926% | 4,509 |
| Noninterest expense to average assets | 2.0403% | 4,466 |
| Loan and lease loss provision to assets | 0.0783% | 2,429 |
| Net operating income to assets | 1.0703% | 2,576 |
| Return on assets (ROA) | 1.1125% | 2,485 |
| Pretax return on assets | 1.3482% | 2,334 |
| Return on Equity (ROE) | 10.5325% | 2,074 |
| Retained earnings to average equity (ytd only) | 7.1971% | 1,312 |
| Net charge-offs to loans | 0.0184% | 3,063 |
| Credit loss provision to net charge-offs | 909.0909% | 374 |
| Earnings coverage of net charge-offs (x) | 159.7273% | 472 |
| Efficiency ratio | 59.7295% | 3,738 |
| Assets per employee ($millions) | 6.9293% | 1,067 |
| Cash dividends to net income (ytd only)* | 31.6678% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 985 |
| Loan loss allowance to noncurrent loans | 210.5263% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 3,021 |
| Noncurrent loans to loans | 0.7583% | 1,997 |
| Net loans and leases to total assets | 44.9433% | 4,561 |
| Net loans and leases to deposits | 50.7322% | 4,660 |
| Net loans and leases to core deposits | 52.8671% | 4,679 |
| Total domestic deposits to total assets | 88.5893% | 848 |
| Equity capital to assets | 10.9132% | 3,083 |
| Core capital (leverage) ratio | 10.2542% | 3,240 |
| Tier 1 risk-based capital ratio | 16.1110% | 2,366 |
| Total risk-based capital ratio | 17.2524% | 2,349 |
| Memoranda: | ||
| Average total assets | $127,729,400 | 3,591 |
| Average earning assets | $122,108,200 | 3,534 |
| Average equity | $13,491,600 | 3,818 |
| Average total loans | $59,842,800 | 3,986 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9168% | 4,512 |
| Cost of funding earning assets | 0.5203% | 4,061 |
| Net interest margin | 3.3965% | 3,868 |
| Noninterest income to average assets | 0.1862% | 4,609 |
| Noninterest expense to average assets | 1.9871% | 4,578 |
| Loan and lease loss provision to assets | 0.0736% | 2,416 |
| Net operating income to assets | 1.1405% | 2,411 |
| Return on assets (ROA) | 1.1519% | 2,447 |
| Pretax return on assets | 1.3875% | 2,359 |
| Return on Equity (ROE) | 10.9999% | 2,015 |
| Retained earnings to average equity (ytd only) | 6.4794% | 2,131 |
| Net charge-offs to loans | -0.0067% | 4,277 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8560% | 3,960 |
| Assets per employee ($millions) | 6.8488% | 1,091 |
| Cash dividends to net income (ytd only)* | 41.0963% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 1,096 |
| Loan loss allowance to noncurrent loans | 134.4729% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 2,392 |
| Noncurrent loans to loans | 1.1581% | 1,365 |
| Net loans and leases to total assets | 45.8587% | 4,606 |
| Net loans and leases to deposits | 51.7814% | 4,717 |
| Net loans and leases to core deposits | 55.6582% | 4,698 |
| Total domestic deposits to total assets | 88.5620% | 798 |
| Equity capital to assets | 10.8647% | 3,233 |
| Core capital (leverage) ratio | 10.2226% | 3,397 |
| Tier 1 risk-based capital ratio | 15.0356% | 2,828 |
| Total risk-based capital ratio | 16.1090% | 2,842 |
| Memoranda: | ||
| Average total assets | $126,747,500 | 3,644 |
| Average earning assets | $121,219,750 | 3,587 |
| Average equity | $13,272,500 | 3,894 |
| Average total loans | $59,770,750 | 4,035 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 4,545 |
| Cost of funding earning assets | 0.5030% | 4,104 |
| Net interest margin | 3.4026% | 3,889 |
| Noninterest income to average assets | 0.1990% | 4,566 |
| Noninterest expense to average assets | 2.0140% | 4,581 |
| Loan and lease loss provision to assets | 0.0955% | 1,942 |
| Net operating income to assets | 1.1211% | 2,442 |
| Return on assets (ROA) | 1.1224% | 2,506 |
| Pretax return on assets | 1.3437% | 2,404 |
| Return on Equity (ROE) | 10.8595% | 2,039 |
| Retained earnings to average equity (ytd only) | 7.0086% | 1,803 |
| Net charge-offs to loans | 0.0235% | 2,375 |
| Credit loss provision to net charge-offs | 857.1429% | 394 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 568 |
| Efficiency ratio | 58.3487% | 3,963 |
| Assets per employee ($millions) | 6.4674% | 1,252 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 1,289 |
| Loan loss allowance to noncurrent loans | 227.0270% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,280 |
| Noncurrent loans to loans | 0.6597% | 2,307 |
| Net loans and leases to total assets | 46.9841% | 4,603 |
| Net loans and leases to deposits | 52.8052% | 4,718 |
| Net loans and leases to core deposits | 56.7590% | 4,691 |
| Total domestic deposits to total assets | 88.9763% | 673 |
| Equity capital to assets | 10.6016% | 3,438 |
| Core capital (leverage) ratio | 10.3323% | 3,259 |
| Tier 1 risk-based capital ratio | 15.3438% | 2,686 |
| Total risk-based capital ratio | 16.4316% | 2,689 |
| Memoranda: | ||
| Average total assets | $125,620,670 | 3,681 |
| Average earning assets | $120,086,330 | 3,622 |
| Average equity | $12,984,000 | 3,938 |
| Average total loans | $59,488,000 | 4,064 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 4,590 |
| Cost of funding earning assets | 0.4568% | 4,259 |
| Net interest margin | 3.4209% | 3,834 |
| Noninterest income to average assets | 0.1551% | 4,815 |
| Noninterest expense to average assets | 2.1332% | 4,411 |
| Loan and lease loss provision to assets | 0.0970% | 1,808 |
| Net operating income to assets | 1.0121% | 2,798 |
| Return on assets (ROA) | 1.0149% | 2,833 |
| Pretax return on assets | 1.1959% | 2,820 |
| Return on Equity (ROE) | 9.9529% | 2,393 |
| Retained earnings to average equity (ytd only) | 8.3680% | 1,526 |
| Net charge-offs to loans | -0.0274% | 4,609 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3229% | 3,486 |
| Assets per employee ($millions) | 6.2390% | 1,381 |
| Cash dividends to net income (ytd only)* | 15.9236% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 1,272 |
| Loan loss allowance to noncurrent loans | 176.4133% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 2,921 |
| Noncurrent loans to loans | 0.8625% | 1,914 |
| Net loans and leases to total assets | 46.9394% | 4,621 |
| Net loans and leases to deposits | 52.5376% | 4,727 |
| Net loans and leases to core deposits | 54.5334% | 4,766 |
| Total domestic deposits to total assets | 89.3444% | 712 |
| Equity capital to assets | 10.4191% | 3,397 |
| Core capital (leverage) ratio | 10.4598% | 3,092 |
| Tier 1 risk-based capital ratio | 16.0013% | 2,436 |
| Total risk-based capital ratio | 17.1289% | 2,427 |
| Memoranda: | ||
| Average total assets | $123,757,000 | 3,737 |
| Average earning assets | $118,216,000 | 3,684 |
| Average equity | $12,619,500 | 3,991 |
| Average total loans | $58,383,500 | 4,124 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 4,484 |
| Cost of funding earning assets | 0.4088% | 3,932 |
| Net interest margin | 3.3929% | 4,018 |
| Noninterest income to average assets | 0.2101% | 4,656 |
| Noninterest expense to average assets | 2.2749% | 4,177 |
| Loan and lease loss provision to assets | 0.1129% | 1,954 |
| Net operating income to assets | 0.9460% | 3,254 |
| Return on assets (ROA) | 0.9245% | 3,337 |
| Pretax return on assets | 1.0596% | 3,414 |
| Return on Equity (ROE) | 9.3669% | 2,803 |
| Retained earnings to average equity (ytd only) | 4.5081% | 3,047 |
| Net charge-offs to loans | 0.0547% | 2,362 |
| Credit loss provision to net charge-offs | 441.9355% | 769 |
| Earnings coverage of net charge-offs (x) | 46.8710% | 1,181 |
| Efficiency ratio | 65.5197% | 2,949 |
| Assets per employee ($millions) | 6.1367% | 1,430 |
| Cash dividends to net income (ytd only)* | 51.8717% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,228 |
| Loan loss allowance to noncurrent loans | 116.2884% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 2,197 |
| Noncurrent loans to loans | 1.3074% | 1,205 |
| Net loans and leases to total assets | 45.9693% | 4,738 |
| Net loans and leases to deposits | 51.5897% | 4,834 |
| Net loans and leases to core deposits | 53.2329% | 4,871 |
| Total domestic deposits to total assets | 89.1057% | 817 |
| Equity capital to assets | 9.9712% | 3,708 |
| Core capital (leverage) ratio | 10.2476% | 3,306 |
| Tier 1 risk-based capital ratio | 16.1271% | 2,366 |
| Total risk-based capital ratio | 17.2439% | 2,350 |
| Memoranda: | ||
| Average total assets | $121,369,400 | 3,768 |
| Average earning assets | $116,684,200 | 3,709 |
| Average equity | $11,978,400 | 4,032 |
| Average total loans | $56,701,200 | 4,168 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 4,503 |
| Cost of funding earning assets | 0.3958% | 3,892 |
| Net interest margin | 3.3756% | 4,080 |
| Noninterest income to average assets | 0.2071% | 4,721 |
| Noninterest expense to average assets | 1.9014% | 4,898 |
| Loan and lease loss provision to assets | 0.1234% | 1,631 |
| Net operating income to assets | 1.2201% | 2,153 |
| Return on assets (ROA) | 1.1920% | 2,274 |
| Pretax return on assets | 1.4002% | 2,231 |
| Return on Equity (ROE) | 12.1092% | 1,753 |
| Retained earnings to average equity (ytd only) | 5.5958% | 2,889 |
| Net charge-offs to loans | 0.0660% | 1,885 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 50.4675% | 1,167 |
| Efficiency ratio | 54.9857% | 4,507 |
| Assets per employee ($millions) | 6.0990% | 1,419 |
| Cash dividends to net income (ytd only)* | 53.7893% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,502 |
| Loan loss allowance to noncurrent loans | 148.6865% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 2,775 |
| Noncurrent loans to loans | 0.9790% | 1,735 |
| Net loans and leases to total assets | 47.1188% | 4,748 |
| Net loans and leases to deposits | 53.1644% | 4,849 |
| Net loans and leases to core deposits | 54.9028% | 4,877 |
| Total domestic deposits to total assets | 88.6284% | 991 |
| Equity capital to assets | 9.7189% | 3,902 |
| Core capital (leverage) ratio | 10.3069% | 3,282 |
| Tier 1 risk-based capital ratio | 15.8663% | 2,494 |
| Total risk-based capital ratio | 16.9406% | 2,508 |
| Memoranda: | ||
| Average total assets | $121,028,250 | 3,812 |
| Average earning assets | $116,560,500 | 3,744 |
| Average equity | $11,913,500 | 4,076 |
| Average total loans | $56,553,750 | 4,218 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,500 |
| Cost of funding earning assets | 0.3812% | 3,861 |
| Net interest margin | 3.3536% | 4,095 |
| Noninterest income to average assets | 0.2237% | 4,688 |
| Noninterest expense to average assets | 1.9236% | 4,928 |
| Loan and lease loss provision to assets | 0.1243% | 1,596 |
| Net operating income to assets | 1.2158% | 2,124 |
| Return on assets (ROA) | 1.1730% | 2,301 |
| Pretax return on assets | 1.3619% | 2,289 |
| Return on Equity (ROE) | 11.8663% | 1,772 |
| Retained earnings to average equity (ytd only) | 5.4638% | 2,841 |
| Net charge-offs to loans | 0.0214% | 2,454 |
| Credit loss provision to net charge-offs | 1,250.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 508 |
| Efficiency ratio | 55.6034% | 4,528 |
| Assets per employee ($millions) | 6.1353% | 1,378 |
| Cash dividends to net income (ytd only)* | 53.9548% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 1,640 |
| Loan loss allowance to noncurrent loans | 101.5834% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 2,208 |
| Noncurrent loans to loans | 1.4081% | 1,200 |
| Net loans and leases to total assets | 46.8380% | 4,777 |
| Net loans and leases to deposits | 52.2843% | 4,900 |
| Net loans and leases to core deposits | 53.9602% | 4,937 |
| Total domestic deposits to total assets | 89.5832% | 711 |
| Equity capital to assets | 9.7012% | 3,916 |
| Core capital (leverage) ratio | 10.0905% | 3,489 |
| Tier 1 risk-based capital ratio | 15.6838% | 2,557 |
| Total risk-based capital ratio | 16.7417% | 2,583 |
| Memoranda: | ||
| Average total assets | $120,711,330 | 3,847 |
| Average earning assets | $116,471,330 | 3,768 |
| Average equity | $11,933,000 | 4,093 |
| Average total loans | $55,963,670 | 4,259 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 4,640 |
| Cost of funding earning assets | 0.3379% | 4,083 |
| Net interest margin | 3.2924% | 4,210 |
| Noninterest income to average assets | 0.2005% | 4,824 |
| Noninterest expense to average assets | 1.9513% | 4,941 |
| Loan and lease loss provision to assets | 0.1236% | 1,520 |
| Net operating income to assets | 1.1501% | 2,218 |
| Return on assets (ROA) | 1.1327% | 2,294 |
| Pretax return on assets | 1.2964% | 2,378 |
| Return on Equity (ROE) | 11.3497% | 1,833 |
| Retained earnings to average equity (ytd only) | 6.0933% | 2,666 |
| Net charge-offs to loans | 0.0876% | 1,280 |
| Credit loss provision to net charge-offs | 308.3333% | 799 |
| Earnings coverage of net charge-offs (x) | 35.9167% | 1,126 |
| Efficiency ratio | 57.5369% | 4,409 |
| Assets per employee ($millions) | 6.1500% | 1,401 |
| Cash dividends to net income (ytd only)* | 46.3127% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,748 |
| Loan loss allowance to noncurrent loans | 71.8835% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 1,686 |
| Noncurrent loans to loans | 1.9819% | 811 |
| Net loans and leases to total assets | 44.4407% | 4,873 |
| Net loans and leases to deposits | 49.2539% | 4,994 |
| Net loans and leases to core deposits | 50.8158% | 5,018 |
| Total domestic deposits to total assets | 90.2276% | 571 |
| Equity capital to assets | 9.6114% | 3,982 |
| Core capital (leverage) ratio | 10.1848% | 3,322 |
| Tier 1 risk-based capital ratio | 15.2158% | 2,780 |
| Total risk-based capital ratio | 16.1994% | 2,821 |
| Memoranda: | ||
| Average total assets | $119,714,000 | 3,902 |
| Average earning assets | $116,025,000 | 3,813 |
| Average equity | $11,947,500 | 4,131 |
| Average total loans | $54,792,000 | 4,332 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5716% | 4,633 |
| Cost of funding earning assets | 0.3207% | 3,947 |
| Net interest margin | 3.2510% | 4,303 |
| Noninterest income to average assets | 0.2286% | 4,774 |
| Noninterest expense to average assets | 2.0992% | 4,767 |
| Loan and lease loss provision to assets | 0.3192% | 532 |
| Net operating income to assets | 0.9085% | 2,663 |
| Return on assets (ROA) | 0.8947% | 2,768 |
| Pretax return on assets | 0.9534% | 3,725 |
| Return on Equity (ROE) | 8.6694% | 2,465 |
| Retained earnings to average equity (ytd only) | 4.5312% | 2,433 |
| Net charge-offs to loans | 0.6104% | 376 |
| Credit loss provision to net charge-offs | 115.9875% | 2,257 |
| Earnings coverage of net charge-offs (x) | 4.6771% | 3,432 |
| Efficiency ratio | 61.9873% | 3,940 |
| Assets per employee ($millions) | 5.8214% | 1,637 |
| Cash dividends to net income (ytd only)* | 47.7338% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,714 |
| Loan loss allowance to noncurrent loans | 76.4236% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 1,708 |
| Noncurrent loans to loans | 1.8492% | 857 |
| Net loans and leases to total assets | 45.8369% | 4,904 |
| Net loans and leases to deposits | 51.2553% | 5,015 |
| Net loans and leases to core deposits | 52.8334% | 5,047 |
| Total domestic deposits to total assets | 89.4287% | 812 |
| Equity capital to assets | 10.3695% | 3,312 |
| Core capital (leverage) ratio | 10.3513% | 3,013 |
| Tier 1 risk-based capital ratio | 16.1791% | 2,367 |
| Total risk-based capital ratio | 17.2071% | 2,390 |
| Memoranda: | ||
| Average total assets | $115,900,600 | 3,963 |
| Average earning assets | $112,581,200 | 3,871 |
| Average equity | $11,961,600 | 4,143 |
| Average total loans | $52,262,400 | 4,406 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5516% | 4,685 |
| Cost of funding earning assets | 0.3166% | 3,965 |
| Net interest margin | 3.2350% | 4,375 |
| Noninterest income to average assets | 0.2326% | 4,820 |
| Noninterest expense to average assets | 1.9901% | 4,977 |
| Loan and lease loss provision to assets | 0.3167% | 487 |
| Net operating income to assets | 0.9703% | 2,688 |
| Return on assets (ROA) | 0.9525% | 2,829 |
| Pretax return on assets | 1.0480% | 3,497 |
| Return on Equity (ROE) | 9.2397% | 2,476 |
| Retained earnings to average equity (ytd only) | 3.7093% | 3,717 |
| Net charge-offs to loans | 0.6024% | 327 |
| Credit loss provision to net charge-offs | 117.5214% | 2,040 |
| Earnings coverage of net charge-offs (x) | 5.1368% | 3,145 |
| Efficiency ratio | 58.9761% | 4,361 |
| Assets per employee ($millions) | 5.8240% | 1,635 |
| Cash dividends to net income (ytd only)* | 59.8545% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 1,937 |
| Loan loss allowance to noncurrent loans | 131.5331% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 3,089 |
| Noncurrent loans to loans | 1.0563% | 1,827 |
| Net loans and leases to total assets | 46.0053% | 4,939 |
| Net loans and leases to deposits | 51.7194% | 5,062 |
| Net loans and leases to core deposits | 52.9192% | 5,108 |
| Total domestic deposits to total assets | 88.9518% | 909 |
| Equity capital to assets | 10.5340% | 3,341 |
| Core capital (leverage) ratio | 10.1781% | 3,343 |
| Tier 1 risk-based capital ratio | 16.0735% | 2,471 |
| Total risk-based capital ratio | 17.0995% | 2,502 |
| Memoranda: | ||
| Average total assets | $115,768,750 | 4,005 |
| Average earning assets | $112,434,000 | 3,916 |
| Average equity | $11,933,750 | 4,188 |
| Average total loans | $51,795,000 | 4,449 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4991% | 4,768 |
| Cost of funding earning assets | 0.2959% | 4,124 |
| Net interest margin | 3.2032% | 4,410 |
| Noninterest income to average assets | 0.2493% | 4,749 |
| Noninterest expense to average assets | 2.0046% | 4,968 |
| Loan and lease loss provision to assets | 0.2683% | 599 |
| Net operating income to assets | 0.9899% | 2,472 |
| Return on assets (ROA) | 0.9521% | 2,705 |
| Pretax return on assets | 1.0456% | 3,386 |
| Return on Equity (ROE) | 9.3049% | 2,360 |
| Retained earnings to average equity (ytd only) | 5.1600% | 2,603 |
| Net charge-offs to loans | 0.7537% | 258 |
| Credit loss provision to net charge-offs | 80.7292% | 2,253 |
| Earnings coverage of net charge-offs (x) | 4.0781% | 2,980 |
| Efficiency ratio | 59.6600% | 4,368 |
| Assets per employee ($millions) | 5.5851% | 1,799 |
| Cash dividends to net income (ytd only)* | 44.5455% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,392 |
| Loan loss allowance to noncurrent loans | 112.2720% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 3,053 |
| Noncurrent loans to loans | 1.1613% | 1,687 |
| Net loans and leases to total assets | 43.6942% | 5,058 |
| Net loans and leases to deposits | 50.2047% | 5,131 |
| Net loans and leases to core deposits | 51.3852% | 5,173 |
| Total domestic deposits to total assets | 87.0319% | 1,938 |
| Equity capital to assets | 10.5032% | 3,340 |
| Core capital (leverage) ratio | 10.2026% | 3,272 |
| Tier 1 risk-based capital ratio | 16.3203% | 2,391 |
| Total risk-based capital ratio | 17.2564% | 2,442 |
| Memoranda: | ||
| Average total assets | $115,531,670 | 4,034 |
| Average earning assets | $112,200,000 | 3,941 |
| Average equity | $11,821,670 | 4,216 |
| Average total loans | $50,946,000 | 4,503 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 4,677 |
| Cost of funding earning assets | 0.2694% | 4,361 |
| Net interest margin | 3.2366% | 4,221 |
| Noninterest income to average assets | 0.1849% | 5,171 |
| Noninterest expense to average assets | 2.0270% | 4,991 |
| Loan and lease loss provision to assets | 0.1047% | 1,828 |
| Net operating income to assets | 1.0618% | 2,021 |
| Return on assets (ROA) | 0.9873% | 2,409 |
| Pretax return on assets | 1.1129% | 2,928 |
| Return on Equity (ROE) | 9.7814% | 2,070 |
| Retained earnings to average equity (ytd only) | 7.3620% | 1,709 |
| Net charge-offs to loans | 0.4043% | 452 |
| Credit loss provision to net charge-offs | 58.8235% | 1,915 |
| Earnings coverage of net charge-offs (x) | 7.3137% | 2,145 |
| Efficiency ratio | 60.9015% | 4,335 |
| Assets per employee ($millions) | 5.4690% | 1,920 |
| Cash dividends to net income (ytd only)* | 24.7350% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 2,233 |
| Loan loss allowance to noncurrent loans | 136.6864% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 3,425 |
| Noncurrent loans to loans | 0.9987% | 2,052 |
| Net loans and leases to total assets | 43.6007% | 5,060 |
| Net loans and leases to deposits | 48.7334% | 5,187 |
| Net loans and leases to core deposits | 49.8710% | 5,226 |
| Total domestic deposits to total assets | 89.4679% | 914 |
| Equity capital to assets | 10.2735% | 3,439 |
| Core capital (leverage) ratio | 10.1456% | 3,316 |
| Tier 1 risk-based capital ratio | 16.3008% | 2,431 |
| Total risk-based capital ratio | 17.2655% | 2,498 |
| Memoranda: | ||
| Average total assets | $114,653,500 | 4,086 |
| Average earning assets | $111,350,500 | 3,990 |
| Average equity | $11,573,000 | 4,291 |
| Average total loans | $50,456,500 | 4,548 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 4,978 |
| Cost of funding earning assets | 0.2160% | 4,874 |
| Net interest margin | 3.1850% | 4,485 |
| Noninterest income to average assets | 0.2287% | 5,046 |
| Noninterest expense to average assets | 2.1223% | 4,960 |
| Loan and lease loss provision to assets | 0.0714% | 2,930 |
| Net operating income to assets | 1.0125% | 2,298 |
| Return on assets (ROA) | 1.0314% | 2,322 |
| Pretax return on assets | 1.1530% | 2,883 |
| Return on Equity (ROE) | 10.3814% | 1,808 |
| Retained earnings to average equity (ytd only) | 5.5031% | 2,013 |
| Net charge-offs to loans | 0.1911% | 1,448 |
| Credit loss provision to net charge-offs | 90.3226% | 2,788 |
| Earnings coverage of net charge-offs (x) | 15.2151% | 2,223 |
| Efficiency ratio | 63.8200% | 3,968 |
| Assets per employee ($millions) | 5.4504% | 1,905 |
| Cash dividends to net income (ytd only)* | 46.9909% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,988 |
| Loan loss allowance to noncurrent loans | 147.8261% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 3,581 |
| Noncurrent loans to loans | 0.9632% | 2,160 |
| Net loans and leases to total assets | 43.1870% | 5,164 |
| Net loans and leases to deposits | 48.0132% | 5,300 |
| Net loans and leases to core deposits | 48.9852% | 5,332 |
| Total domestic deposits to total assets | 89.9483% | 651 |
| Equity capital to assets | 9.9137% | 3,805 |
| Core capital (leverage) ratio | 9.9168% | 3,605 |
| Tier 1 risk-based capital ratio | 16.2300% | 2,463 |
| Total risk-based capital ratio | 17.2379% | 2,484 |
| Memoranda: | ||
| Average total assets | $117,609,800 | 4,035 |
| Average earning assets | $114,347,800 | 3,922 |
| Average equity | $11,684,400 | 4,300 |
| Average total loans | $48,655,400 | 4,610 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3695% | 5,082 |
| Cost of funding earning assets | 0.2187% | 4,888 |
| Net interest margin | 3.1508% | 4,632 |
| Noninterest income to average assets | 0.2083% | 5,222 |
| Noninterest expense to average assets | 1.9651% | 5,273 |
| Loan and lease loss provision to assets | 0.0608% | 3,028 |
| Net operating income to assets | 1.0617% | 2,157 |
| Return on assets (ROA) | 1.0856% | 2,161 |
| Pretax return on assets | 1.2770% | 2,517 |
| Return on Equity (ROE) | 10.9213% | 1,700 |
| Retained earnings to average equity (ytd only) | 4.4637% | 3,158 |
| Net charge-offs to loans | 0.1933% | 1,215 |
| Credit loss provision to net charge-offs | 77.1429% | 2,703 |
| Earnings coverage of net charge-offs (x) | 16.6145% | 2,102 |
| Efficiency ratio | 60.0069% | 4,540 |
| Assets per employee ($millions) | 5.5330% | 1,823 |
| Cash dividends to net income (ytd only)* | 59.1286% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 2,271 |
| Loan loss allowance to noncurrent loans | 125.5773% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 3,498 |
| Noncurrent loans to loans | 1.1018% | 2,050 |
| Net loans and leases to total assets | 43.3687% | 5,233 |
| Net loans and leases to deposits | 49.5355% | 5,321 |
| Net loans and leases to core deposits | 50.5502% | 5,363 |
| Total domestic deposits to total assets | 87.5508% | 1,639 |
| Equity capital to assets | 10.4121% | 3,661 |
| Core capital (leverage) ratio | 9.5116% | 4,162 |
| Tier 1 risk-based capital ratio | 16.0319% | 2,610 |
| Total risk-based capital ratio | 17.0397% | 2,646 |
| Memoranda: | ||
| Average total assets | $118,397,750 | 4,052 |
| Average earning assets | $115,227,500 | 3,933 |
| Average equity | $11,768,750 | 4,325 |
| Average total loans | $48,283,000 | 4,664 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2975% | 5,291 |
| Cost of funding earning assets | 0.2171% | 4,972 |
| Net interest margin | 3.0804% | 4,884 |
| Noninterest income to average assets | 0.2031% | 5,277 |
| Noninterest expense to average assets | 1.9743% | 5,325 |
| Loan and lease loss provision to assets | 0.0403% | 3,351 |
| Net operating income to assets | 1.0182% | 2,308 |
| Return on assets (ROA) | 1.0543% | 2,277 |
| Pretax return on assets | 1.2322% | 2,660 |
| Return on Equity (ROE) | 10.7728% | 1,728 |
| Retained earnings to average equity (ytd only) | 5.2835% | 2,558 |
| Net charge-offs to loans | 0.2535% | 938 |
| Credit loss provision to net charge-offs | 40.0000% | 2,765 |
| Earnings coverage of net charge-offs (x) | 12.2167% | 2,197 |
| Efficiency ratio | 61.6029% | 4,406 |
| Assets per employee ($millions) | 5.6187% | 1,686 |
| Cash dividends to net income (ytd only)* | 50.9554% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 2,268 |
| Loan loss allowance to noncurrent loans | 107.1763% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 3,404 |
| Noncurrent loans to loans | 1.3121% | 1,720 |
| Net loans and leases to total assets | 40.8206% | 5,384 |
| Net loans and leases to deposits | 46.1952% | 5,494 |
| Net loans and leases to core deposits | 47.2526% | 5,524 |
| Total domestic deposits to total assets | 88.3653% | 1,236 |
| Equity capital to assets | 10.2541% | 3,911 |
| Core capital (leverage) ratio | 9.4233% | 4,304 |
| Tier 1 risk-based capital ratio | 15.9617% | 2,662 |
| Total risk-based capital ratio | 16.9441% | 2,723 |
| Memoranda: | ||
| Average total assets | $119,133,000 | 4,061 |
| Average earning assets | $116,089,000 | 3,946 |
| Average equity | $11,659,000 | 4,374 |
| Average total loans | $47,344,670 | 4,727 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2390% | 5,430 |
| Cost of funding earning assets | 0.2159% | 5,045 |
| Net interest margin | 3.0230% | 5,063 |
| Noninterest income to average assets | 0.2205% | 5,159 |
| Noninterest expense to average assets | 1.9248% | 5,488 |
| Loan and lease loss provision to assets | 0.0401% | 3,112 |
| Net operating income to assets | 1.0136% | 2,218 |
| Return on assets (ROA) | 1.0894% | 2,047 |
| Pretax return on assets | 1.2932% | 2,337 |
| Return on Equity (ROE) | 11.3996% | 1,479 |
| Retained earnings to average equity (ytd only) | 6.1544% | 2,303 |
| Net charge-offs to loans | -0.0343% | 5,126 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7595% | 4,636 |
| Assets per employee ($millions) | 5.9345% | 1,454 |
| Cash dividends to net income (ytd only)* | 46.0123% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,762 |
| Loan loss allowance to noncurrent loans | 89.4673% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 2,980 |
| Noncurrent loans to loans | 1.7408% | 1,281 |
| Net loans and leases to total assets | 39.3546% | 5,492 |
| Net loans and leases to deposits | 44.3531% | 5,576 |
| Net loans and leases to core deposits | 45.3570% | 5,613 |
| Total domestic deposits to total assets | 88.7303% | 1,233 |
| Equity capital to assets | 9.8677% | 4,255 |
| Core capital (leverage) ratio | 9.2382% | 4,558 |
| Tier 1 risk-based capital ratio | 16.1022% | 2,631 |
| Total risk-based capital ratio | 17.1810% | 2,655 |
| Memoranda: | ||
| Average total assets | $119,703,500 | 4,080 |
| Average earning assets | $116,704,000 | 3,961 |
| Average equity | $11,439,000 | 4,426 |
| Average total loans | $46,591,000 | 4,781 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0936% | 5,636 |
| Cost of funding earning assets | 0.2333% | 4,975 |
| Net interest margin | 2.8603% | 5,399 |
| Noninterest income to average assets | 0.1577% | 5,633 |
| Noninterest expense to average assets | 1.8504% | 5,675 |
| Loan and lease loss provision to assets | 0.0195% | 4,015 |
| Net operating income to assets | 1.0323% | 2,200 |
| Return on assets (ROA) | 1.0244% | 2,319 |
| Pretax return on assets | 1.0610% | 3,222 |
| Return on Equity (ROE) | 11.7845% | 1,361 |
| Retained earnings to average equity (ytd only) | 8.5110% | 774 |
| Net charge-offs to loans | 0.1104% | 2,273 |
| Credit loss provision to net charge-offs | 48.9796% | 3,418 |
| Earnings coverage of net charge-offs (x) | 27.3265% | 1,548 |
| Efficiency ratio | 62.9599% | 4,447 |
| Assets per employee ($millions) | 6.3535% | 1,165 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,675 |
| Loan loss allowance to noncurrent loans | 82.2526% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 2,876 |
| Noncurrent loans to loans | 1.9220% | 1,109 |
| Net loans and leases to total assets | 37.2856% | 5,654 |
| Net loans and leases to deposits | 41.2263% | 5,734 |
| Net loans and leases to core deposits | 42.7275% | 5,748 |
| Total domestic deposits to total assets | 90.4413% | 452 |
| Equity capital to assets | 9.2497% | 4,848 |
| Core capital (leverage) ratio | 8.9937% | 4,890 |
| Tier 1 risk-based capital ratio | 15.4503% | 2,954 |
| Total risk-based capital ratio | 16.4795% | 3,002 |
| Memoranda: | ||
| Average total assets | $123,001,200 | 4,025 |
| Average earning assets | $119,602,600 | 3,895 |
| Average equity | $10,692,000 | 4,537 |
| Average total loans | $44,392,200 | 4,850 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0861% | 5,725 |
| Cost of funding earning assets | 0.2375% | 5,017 |
| Net interest margin | 2.8486% | 5,498 |
| Noninterest income to average assets | 0.1295% | 5,827 |
| Noninterest expense to average assets | 1.7695% | 5,823 |
| Loan and lease loss provision to assets | 0.0194% | 3,888 |
| Net operating income to assets | 0.9403% | 2,760 |
| Return on assets (ROA) | 0.9311% | 2,889 |
| Pretax return on assets | 1.0995% | 3,232 |
| Return on Equity (ROE) | 10.8823% | 1,747 |
| Retained earnings to average equity (ytd only) | 6.4688% | 1,978 |
| Net charge-offs to loans | 0.1543% | 1,600 |
| Credit loss provision to net charge-offs | 35.2941% | 3,216 |
| Earnings coverage of net charge-offs (x) | 20.5290% | 1,865 |
| Efficiency ratio | 61.0346% | 4,726 |
| Assets per employee ($millions) | 6.6007% | 1,025 |
| Cash dividends to net income (ytd only)* | 40.5566% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 1,903 |
| Loan loss allowance to noncurrent loans | 111.8936% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 3,694 |
| Noncurrent loans to loans | 1.3998% | 1,819 |
| Net loans and leases to total assets | 37.8199% | 5,711 |
| Net loans and leases to deposits | 41.8304% | 5,809 |
| Net loans and leases to core deposits | 43.6321% | 5,801 |
| Total domestic deposits to total assets | 90.4127% | 416 |
| Equity capital to assets | 9.0899% | 5,220 |
| Core capital (leverage) ratio | 8.6239% | 5,436 |
| Tier 1 risk-based capital ratio | 14.7400% | 3,417 |
| Total risk-based capital ratio | 15.7479% | 3,488 |
| Memoranda: | ||
| Average total assets | $123,572,250 | 4,055 |
| Average earning assets | $120,147,500 | 3,919 |
| Average equity | $10,573,500 | 4,607 |
| Average total loans | $44,057,000 | 4,913 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0242% | 5,836 |
| Cost of funding earning assets | 0.2386% | 5,070 |
| Net interest margin | 2.7856% | 5,644 |
| Noninterest income to average assets | 0.1182% | 5,954 |
| Noninterest expense to average assets | 1.7626% | 5,903 |
| Loan and lease loss provision to assets | 0.0192% | 3,746 |
| Net operating income to assets | 0.8910% | 2,930 |
| Return on assets (ROA) | 0.8773% | 3,112 |
| Pretax return on assets | 1.0259% | 3,477 |
| Return on Equity (ROE) | 10.4591% | 1,862 |
| Retained earnings to average equity (ytd only) | 7.6014% | 1,425 |
| Net charge-offs to loans | 0.2527% | 1,028 |
| Credit loss provision to net charge-offs | 21.8182% | 3,003 |
| Earnings coverage of net charge-offs (x) | 12.0727% | 2,243 |
| Efficiency ratio | 62.4222% | 4,611 |
| Assets per employee ($millions) | 6.8156% | 913 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 2,057 |
| Loan loss allowance to noncurrent loans | 106.8182% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 3,822 |
| Noncurrent loans to loans | 1.4592% | 1,817 |
| Net loans and leases to total assets | 36.2925% | 5,800 |
| Net loans and leases to deposits | 39.8682% | 5,903 |
| Net loans and leases to core deposits | 41.2825% | 5,922 |
| Total domestic deposits to total assets | 91.0312% | 286 |
| Equity capital to assets | 8.6232% | 5,583 |
| Core capital (leverage) ratio | 8.3112% | 5,707 |
| Tier 1 risk-based capital ratio | 14.1732% | 3,831 |
| Total risk-based capital ratio | 15.1392% | 3,922 |
| Memoranda: | ||
| Average total assets | $125,158,670 | 4,054 |
| Average earning assets | $121,552,670 | 3,920 |
| Average equity | $10,498,000 | 4,652 |
| Average total loans | $43,526,000 | 4,969 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9969% | 5,896 |
| Cost of funding earning assets | 0.2375% | 5,148 |
| Net interest margin | 2.7594% | 5,722 |
| Noninterest income to average assets | 0.1203% | 6,000 |
| Noninterest expense to average assets | 1.7500% | 5,957 |
| Loan and lease loss provision to assets | 0.0190% | 3,466 |
| Net operating income to assets | 0.8798% | 2,844 |
| Return on assets (ROA) | 0.8798% | 2,968 |
| Pretax return on assets | 1.0348% | 3,362 |
| Return on Equity (ROE) | 10.6335% | 1,753 |
| Retained earnings to average equity (ytd only) | 4.8960% | 3,111 |
| Net charge-offs to loans | 0.3187% | 750 |
| Credit loss provision to net charge-offs | 17.6471% | 2,381 |
| Earnings coverage of net charge-offs (x) | 9.7941% | 1,983 |
| Efficiency ratio | 62.4153% | 4,726 |
| Assets per employee ($millions) | 6.6459% | 998 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 1,767 |
| Loan loss allowance to noncurrent loans | 128.5714% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 4,266 |
| Noncurrent loans to loans | 1.3128% | 2,186 |
| Net loans and leases to total assets | 33.2114% | 5,952 |
| Net loans and leases to deposits | 36.4369% | 6,043 |
| Net loans and leases to core deposits | 37.9623% | 6,039 |
| Total domestic deposits to total assets | 91.1478% | 316 |
| Equity capital to assets | 8.4064% | 5,801 |
| Core capital (leverage) ratio | 8.0258% | 5,931 |
| Tier 1 risk-based capital ratio | 14.0156% | 4,000 |
| Total risk-based capital ratio | 15.0175% | 4,088 |
| Memoranda: | ||
| Average total assets | $126,397,500 | 4,058 |
| Average earning assets | $122,925,000 | 3,926 |
| Average equity | $10,457,500 | 4,697 |
| Average total loans | $42,674,500 | 5,039 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8991% | 6,140 |
| Cost of funding earning assets | 0.2738% | 5,059 |
| Net interest margin | 2.6253% | 6,040 |
| Noninterest income to average assets | 0.1586% | 5,910 |
| Noninterest expense to average assets | 1.9044% | 5,934 |
| Loan and lease loss provision to assets | 0.0197% | 4,224 |
| Net operating income to assets | 0.7460% | 3,647 |
| Return on assets (ROA) | 0.7452% | 3,751 |
| Pretax return on assets | 0.7780% | 4,339 |
| Return on Equity (ROE) | 9.2162% | 2,475 |
| Retained earnings to average equity (ytd only) | 6.1678% | 1,824 |
| Net charge-offs to loans | 0.0460% | 3,910 |
| Credit loss provision to net charge-offs | 126.3158% | 1,896 |
| Earnings coverage of net charge-offs (x) | 51.1579% | 914 |
| Efficiency ratio | 70.4559% | 3,463 |
| Assets per employee ($millions) | 6.6591% | 974 |
| Cash dividends to net income (ytd only)* | 33.0761% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 1,650 |
| Loan loss allowance to noncurrent loans | 110.9792% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 4,020 |
| Noncurrent loans to loans | 1.5788% | 1,847 |
| Net loans and leases to total assets | 33.1515% | 6,078 |
| Net loans and leases to deposits | 36.2223% | 6,164 |
| Net loans and leases to core deposits | 37.8133% | 6,155 |
| Total domestic deposits to total assets | 91.5224% | 221 |
| Equity capital to assets | 8.1409% | 5,993 |
| Core capital (leverage) ratio | 7.9636% | 6,022 |
| Tier 1 risk-based capital ratio | 15.5548% | 3,210 |
| Total risk-based capital ratio | 16.7248% | 3,174 |
| Memoranda: | ||
| Average total assets | $121,717,400 | 4,146 |
| Average earning assets | $117,968,600 | 4,011 |
| Average equity | $9,841,400 | 4,785 |
| Average total loans | $41,282,200 | 5,132 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8896% | 6,212 |
| Cost of funding earning assets | 0.2800% | 5,092 |
| Net interest margin | 2.6096% | 6,123 |
| Noninterest income to average assets | 0.1438% | 6,054 |
| Noninterest expense to average assets | 1.8819% | 5,981 |
| Loan and lease loss provision to assets | 0.0199% | 4,006 |
| Net operating income to assets | 0.7323% | 3,774 |
| Return on assets (ROA) | 0.7313% | 3,885 |
| Pretax return on assets | 0.7667% | 4,478 |
| Return on Equity (ROE) | 9.0607% | 2,648 |
| Retained earnings to average equity (ytd only) | 4.9484% | 3,112 |
| Net charge-offs to loans | -0.0098% | 5,420 |
| Credit loss provision to net charge-offs | -600.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4932% | 3,420 |
| Assets per employee ($millions) | 6.4596% | 1,044 |
| Cash dividends to net income (ytd only)* | 45.3858% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 1,678 |
| Loan loss allowance to noncurrent loans | 191.0000% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 4,970 |
| Noncurrent loans to loans | 0.9466% | 3,195 |
| Net loans and leases to total assets | 33.8075% | 6,120 |
| Net loans and leases to deposits | 36.9290% | 6,216 |
| Net loans and leases to core deposits | 38.9836% | 6,205 |
| Total domestic deposits to total assets | 91.5475% | 221 |
| Equity capital to assets | 8.1274% | 6,060 |
| Core capital (leverage) ratio | 7.9085% | 6,127 |
| Tier 1 risk-based capital ratio | 15.4955% | 3,323 |
| Total risk-based capital ratio | 16.7162% | 3,279 |
| Memoranda: | ||
| Average total assets | $120,516,250 | 4,204 |
| Average earning assets | $116,643,500 | 4,070 |
| Average equity | $9,726,750 | 4,843 |
| Average total loans | $40,929,750 | 5,198 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8414% | 6,305 |
| Cost of funding earning assets | 0.2826% | 5,155 |
| Net interest margin | 2.5588% | 6,218 |
| Noninterest income to average assets | 0.1369% | 6,138 |
| Noninterest expense to average assets | 1.9069% | 5,990 |
| Loan and lease loss provision to assets | 0.0200% | 3,874 |
| Net operating income to assets | 0.6596% | 4,046 |
| Return on assets (ROA) | 0.6596% | 4,144 |
| Pretax return on assets | 0.6896% | 4,674 |
| Return on Equity (ROE) | 8.1916% | 2,991 |
| Retained earnings to average equity (ytd only) | 5.5993% | 2,578 |
| Net charge-offs to loans | -0.0198% | 5,538 |
| Credit loss provision to net charge-offs | -300.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8781% | 3,177 |
| Assets per employee ($millions) | 6.5055% | 1,007 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 1,737 |
| Loan loss allowance to noncurrent loans | 158.1250% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 4,682 |
| Noncurrent loans to loans | 1.1619% | 2,903 |
| Net loans and leases to total assets | 32.8096% | 6,207 |
| Net loans and leases to deposits | 35.7932% | 6,296 |
| Net loans and leases to core deposits | 37.0390% | 6,306 |
| Total domestic deposits to total assets | 91.6645% | 226 |
| Equity capital to assets | 8.0297% | 6,139 |
| Core capital (leverage) ratio | 7.9255% | 6,146 |
| Tier 1 risk-based capital ratio | 15.4525% | 3,379 |
| Total risk-based capital ratio | 16.6734% | 3,338 |
| Memoranda: | ||
| Average total assets | $119,777,330 | 4,245 |
| Average earning assets | $116,069,670 | 4,108 |
| Average equity | $9,644,000 | 4,879 |
| Average total loans | $40,487,330 | 5,254 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8093% | 6,391 |
| Cost of funding earning assets | 0.2904% | 5,166 |
| Net interest margin | 2.5189% | 6,321 |
| Noninterest income to average assets | 0.1391% | 6,146 |
| Noninterest expense to average assets | 1.8971% | 6,068 |
| Loan and lease loss provision to assets | 0.0204% | 3,562 |
| Net operating income to assets | 0.6380% | 4,005 |
| Return on assets (ROA) | 0.6380% | 4,098 |
| Pretax return on assets | 0.6652% | 4,617 |
| Return on Equity (ROE) | 7.9129% | 2,969 |
| Retained earnings to average equity (ytd only) | 2.6517% | 4,487 |
| Net charge-offs to loans | -0.0200% | 5,359 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4560% | 3,234 |
| Assets per employee ($millions) | 6.3326% | 1,094 |
| Cash dividends to net income (ytd only)* | 66.4894% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 1,804 |
| Loan loss allowance to noncurrent loans | 155.8091% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 4,770 |
| Noncurrent loans to loans | 1.2084% | 3,026 |
| Net loans and leases to total assets | 32.5260% | 6,246 |
| Net loans and leases to deposits | 35.4818% | 6,334 |
| Net loans and leases to core deposits | 37.6969% | 6,322 |
| Total domestic deposits to total assets | 91.6696% | 336 |
| Equity capital to assets | 8.0561% | 6,017 |
| Core capital (leverage) ratio | 7.9307% | 6,159 |
| Tier 1 risk-based capital ratio | 15.7864% | 3,278 |
| Total risk-based capital ratio | 17.0359% | 3,238 |
| Memoranda: | ||
| Average total assets | $117,864,000 | 4,318 |
| Average earning assets | $114,335,000 | 4,174 |
| Average equity | $9,503,500 | 4,933 |
| Average total loans | $40,074,500 | 5,320 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9251% | 6,404 |
| Cost of funding earning assets | 0.3379% | 5,264 |
| Net interest margin | 2.5872% | 6,276 |
| Noninterest income to average assets | 0.1581% | 6,143 |
| Noninterest expense to average assets | 1.9476% | 6,112 |
| Loan and lease loss provision to assets | 0.0211% | 4,710 |
| Net operating income to assets | 0.6665% | 3,954 |
| Return on assets (ROA) | 0.6665% | 4,050 |
| Pretax return on assets | 0.6902% | 4,579 |
| Return on Equity (ROE) | 7.9458% | 3,051 |
| Retained earnings to average equity (ytd only) | 5.0669% | 2,546 |
| Net charge-offs to loans | 0.1238% | 3,569 |
| Credit loss provision to net charge-offs | 50.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | 16.8750% | 1,763 |
| Efficiency ratio | 73.2497% | 3,252 |
| Assets per employee ($millions) | 6.0742% | 1,223 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 1,932 |
| Loan loss allowance to noncurrent loans | 145.6863% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 4,743 |
| Noncurrent loans to loans | 1.2667% | 3,012 |
| Net loans and leases to total assets | 34.2434% | 6,286 |
| Net loans and leases to deposits | 37.3034% | 6,391 |
| Net loans and leases to core deposits | 38.6458% | 6,400 |
| Total domestic deposits to total assets | 91.7970% | 333 |
| Equity capital to assets | 8.0704% | 5,965 |
| Core capital (leverage) ratio | 8.1060% | 6,050 |
| Tier 1 risk-based capital ratio | 15.8107% | 3,197 |
| Total risk-based capital ratio | 17.0604% | 3,150 |
| Memoranda: | ||
| Average total assets | $113,885,800 | 4,412 |
| Average earning assets | $110,080,600 | 4,259 |
| Average equity | $9,552,200 | 4,957 |
| Average total loans | $38,769,200 | 5,403 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9259% | 6,476 |
| Cost of funding earning assets | 0.3479% | 5,314 |
| Net interest margin | 2.5780% | 6,339 |
| Noninterest income to average assets | 0.1433% | 6,315 |
| Noninterest expense to average assets | 1.8877% | 6,203 |
| Loan and lease loss provision to assets | 0.0211% | 4,578 |
| Net operating income to assets | 0.6931% | 3,896 |
| Return on assets (ROA) | 0.6931% | 4,032 |
| Pretax return on assets | 0.7236% | 4,597 |
| Return on Equity (ROE) | 8.1843% | 3,031 |
| Retained earnings to average equity (ytd only) | 4.3695% | 3,565 |
| Net charge-offs to loans | 0.0382% | 4,382 |
| Credit loss provision to net charge-offs | 163.6364% | 1,451 |
| Earnings coverage of net charge-offs (x) | 57.6217% | 779 |
| Efficiency ratio | 71.7091% | 3,459 |
| Assets per employee ($millions) | 5.5957% | 1,541 |
| Cash dividends to net income (ytd only)* | 46.6103% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 1,814 |
| Loan loss allowance to noncurrent loans | 126.2643% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 4,801 |
| Noncurrent loans to loans | 1.5557% | 2,832 |
| Net loans and leases to total assets | 34.5170% | 6,340 |
| Net loans and leases to deposits | 37.5959% | 6,460 |
| Net loans and leases to core deposits | 39.2300% | 6,472 |
| Total domestic deposits to total assets | 91.8106% | 282 |
| Equity capital to assets | 8.0143% | 6,149 |
| Core capital (leverage) ratio | 8.2075% | 6,053 |
| Tier 1 risk-based capital ratio | 15.8887% | 3,256 |
| Total risk-based capital ratio | 17.1401% | 3,202 |
| Memoranda: | ||
| Average total assets | $113,505,000 | 4,465 |
| Average earning assets | $109,593,000 | 4,317 |
| Average equity | $9,611,750 | 4,999 |
| Average total loans | $38,395,750 | 5,465 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8632% | 6,566 |
| Cost of funding earning assets | 0.3593% | 5,323 |
| Net interest margin | 2.5040% | 6,445 |
| Noninterest income to average assets | 0.1403% | 6,350 |
| Noninterest expense to average assets | 1.9257% | 6,176 |
| Loan and lease loss provision to assets | 0.0210% | 4,477 |
| Net operating income to assets | 0.5875% | 4,360 |
| Return on assets (ROA) | 0.5875% | 4,539 |
| Pretax return on assets | 0.6138% | 4,977 |
| Return on Equity (ROE) | 6.8186% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.2744% | 3,573 |
| Net charge-offs to loans | 0.1261% | 3,111 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 15.0833% | 1,771 |
| Efficiency ratio | 75.2055% | 2,913 |
| Assets per employee ($millions) | 5.9356% | 1,247 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 2,065 |
| Loan loss allowance to noncurrent loans | 103.8514% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 4,616 |
| Noncurrent loans to loans | 1.8472% | 2,566 |
| Net loans and leases to total assets | 34.2280% | 6,399 |
| Net loans and leases to deposits | 37.5029% | 6,506 |
| Net loans and leases to core deposits | 38.3490% | 6,528 |
| Total domestic deposits to total assets | 91.2676% | 458 |
| Equity capital to assets | 8.3706% | 5,896 |
| Core capital (leverage) ratio | 7.9540% | 6,216 |
| Tier 1 risk-based capital ratio | 15.7237% | 3,349 |
| Total risk-based capital ratio | 16.9746% | 3,301 |
| Memoranda: | ||
| Average total assets | $114,035,670 | 4,485 |
| Average earning assets | $110,225,670 | 4,335 |
| Average equity | $9,826,000 | 4,981 |
| Average total loans | $38,060,000 | 5,506 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8403% | 6,657 |
| Cost of funding earning assets | 0.3722% | 5,344 |
| Net interest margin | 2.4681% | 6,542 |
| Noninterest income to average assets | 0.1326% | 6,433 |
| Noninterest expense to average assets | 1.9047% | 6,268 |
| Loan and lease loss provision to assets | 0.0209% | 4,205 |
| Net operating income to assets | 0.5686% | 4,368 |
| Return on assets (ROA) | 0.5686% | 4,518 |
| Pretax return on assets | 0.5895% | 4,979 |
| Return on Equity (ROE) | 6.5076% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.5076% | 2,405 |
| Net charge-offs to loans | 0.0214% | 3,740 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 433 |
| Efficiency ratio | 75.7282% | 2,970 |
| Assets per employee ($millions) | 6.1715% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 1,809 |
| Loan loss allowance to noncurrent loans | 139.4213% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 5,204 |
| Noncurrent loans to loans | 1.5023% | 3,301 |
| Net loans and leases to total assets | 30.7356% | 6,572 |
| Net loans and leases to deposits | 33.9120% | 6,641 |
| Net loans and leases to core deposits | 35.4010% | 6,638 |
| Total domestic deposits to total assets | 90.6335% | 700 |
| Equity capital to assets | 8.6212% | 5,891 |
| Core capital (leverage) ratio | 7.7775% | 6,308 |
| Tier 1 risk-based capital ratio | 16.0956% | 3,214 |
| Total risk-based capital ratio | 17.3472% | 3,168 |
| Memoranda: | ||
| Average total assets | $114,665,500 | 4,511 |
| Average earning assets | $110,693,000 | 4,357 |
| Average equity | $10,019,000 | 4,982 |
| Average total loans | $37,412,000 | 5,568 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0010% | 6,775 |
| Cost of funding earning assets | 0.4372% | 5,669 |
| Net interest margin | 2.5639% | 6,663 |
| Noninterest income to average assets | 0.1717% | 6,172 |
| Noninterest expense to average assets | 1.9267% | 6,460 |
| Loan and lease loss provision to assets | 0.0537% | 5,136 |
| Net operating income to assets | 0.6387% | 4,044 |
| Return on assets (ROA) | 0.6387% | 4,308 |
| Pretax return on assets | 0.6673% | 4,768 |
| Return on Equity (ROE) | 7.2692% | 3,487 |
| Retained earnings to average equity (ytd only) | 4.4695% | 3,087 |
| Net charge-offs to loans | -0.0732% | 6,778 |
| Credit loss provision to net charge-offs | -214.2857% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7703% | 3,276 |
| Assets per employee ($millions) | 5.3368% | 1,854 |
| Cash dividends to net income (ytd only)* | 38.5154% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 1,976 |
| Loan loss allowance to noncurrent loans | 124.3112% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 5,104 |
| Noncurrent loans to loans | 1.6231% | 3,195 |
| Net loans and leases to total assets | 33.2337% | 6,582 |
| Net loans and leases to deposits | 36.7887% | 6,665 |
| Net loans and leases to core deposits | 38.2308% | 6,662 |
| Total domestic deposits to total assets | 90.3367% | 779 |
| Equity capital to assets | 8.8594% | 5,675 |
| Core capital (leverage) ratio | 7.7816% | 6,350 |
| Tier 1 risk-based capital ratio | 15.8040% | 3,266 |
| Total risk-based capital ratio | 17.0556% | 3,221 |
| Memoranda: | ||
| Average total assets | $111,796,400 | 4,551 |
| Average earning assets | $107,962,600 | 4,393 |
| Average equity | $9,822,200 | 5,015 |
| Average total loans | $38,262,400 | 5,579 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9984% | 6,903 |
| Cost of funding earning assets | 0.4431% | 5,846 |
| Net interest margin | 2.5552% | 6,789 |
| Noninterest income to average assets | 0.1575% | 6,362 |
| Noninterest expense to average assets | 1.7506% | 6,736 |
| Loan and lease loss provision to assets | 0.0537% | 5,073 |
| Net operating income to assets | 0.7876% | 3,513 |
| Return on assets (ROA) | 0.7876% | 3,753 |
| Pretax return on assets | 0.8234% | 4,401 |
| Return on Equity (ROE) | 8.9835% | 2,811 |
| Retained earnings to average equity (ytd only) | 5.2404% | 3,196 |
| Net charge-offs to loans | -0.0696% | 6,781 |
| Credit loss provision to net charge-offs | -225.0000% | 6,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6213% | 4,326 |
| Assets per employee ($millions) | 5.3641% | 1,770 |
| Cash dividends to net income (ytd only)* | 41.6669% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 2,318 |
| Loan loss allowance to noncurrent loans | 131.6814% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 5,385 |
| Noncurrent loans to loans | 1.4829% | 3,566 |
| Net loans and leases to total assets | 33.1623% | 6,698 |
| Net loans and leases to deposits | 36.7189% | 6,797 |
| Net loans and leases to core deposits | 38.4471% | 6,795 |
| Total domestic deposits to total assets | 90.3139% | 669 |
| Equity capital to assets | 8.8330% | 5,991 |
| Core capital (leverage) ratio | 7.8767% | 6,417 |
| Tier 1 risk-based capital ratio | 15.6148% | 3,468 |
| Total risk-based capital ratio | 16.8660% | 3,431 |
| Memoranda: | ||
| Average total assets | $111,727,250 | 4,598 |
| Average earning assets | $108,012,000 | 4,436 |
| Average equity | $9,795,500 | 5,077 |
| Average total loans | $38,324,750 | 5,640 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9997% | 6,970 |
| Cost of funding earning assets | 0.4538% | 5,949 |
| Net interest margin | 2.5460% | 6,853 |
| Noninterest income to average assets | 0.1651% | 6,349 |
| Noninterest expense to average assets | 1.7555% | 6,794 |
| Loan and lease loss provision to assets | 0.0538% | 4,985 |
| Net operating income to assets | 0.7790% | 3,475 |
| Return on assets (ROA) | 0.7790% | 3,745 |
| Pretax return on assets | 0.8131% | 4,432 |
| Return on Equity (ROE) | 8.9080% | 2,850 |
| Retained earnings to average equity (ytd only) | 6.3424% | 2,476 |
| Net charge-offs to loans | -0.1094% | 6,875 |
| Credit loss provision to net charge-offs | -142.8571% | 6,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9405% | 4,332 |
| Assets per employee ($millions) | 5.4270% | 1,679 |
| Cash dividends to net income (ytd only)* | 28.8018% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 2,534 |
| Loan loss allowance to noncurrent loans | 111.7917% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 5,300 |
| Noncurrent loans to loans | 1.7051% | 3,337 |
| Net loans and leases to total assets | 32.9625% | 6,773 |
| Net loans and leases to deposits | 36.4404% | 6,861 |
| Net loans and leases to core deposits | 37.2579% | 6,883 |
| Total domestic deposits to total assets | 90.4559% | 693 |
| Equity capital to assets | 8.7070% | 6,021 |
| Core capital (leverage) ratio | 7.8567% | 6,405 |
| Tier 1 risk-based capital ratio | 15.4476% | 3,477 |
| Total risk-based capital ratio | 16.6980% | 3,440 |
| Memoranda: | ||
| Average total assets | $111,421,000 | 4,631 |
| Average earning assets | $107,542,330 | 4,471 |
| Average equity | $9,744,000 | 5,094 |
| Average total loans | $38,399,670 | 5,671 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0549% | 7,028 |
| Cost of funding earning assets | 0.4677% | 6,032 |
| Net interest margin | 2.5873% | 6,882 |
| Noninterest income to average assets | 0.1670% | 6,386 |
| Noninterest expense to average assets | 1.7540% | 6,851 |
| Loan and lease loss provision to assets | 0.0545% | 4,723 |
| Net operating income to assets | 0.8062% | 3,349 |
| Return on assets (ROA) | 0.8062% | 3,591 |
| Pretax return on assets | 0.8498% | 4,231 |
| Return on Equity (ROE) | 9.1978% | 2,733 |
| Retained earnings to average equity (ytd only) | 9.1978% | 1,514 |
| Net charge-offs to loans | -0.1456% | 6,913 |
| Credit loss provision to net charge-offs | -107.1429% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9836% | 4,557 |
| Assets per employee ($millions) | 5.6538% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 2,708 |
| Loan loss allowance to noncurrent loans | 105.5142% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 5,374 |
| Noncurrent loans to loans | 1.7907% | 3,424 |
| Net loans and leases to total assets | 32.5118% | 6,803 |
| Net loans and leases to deposits | 35.9365% | 6,894 |
| Net loans and leases to core deposits | 37.5923% | 6,893 |
| Total domestic deposits to total assets | 90.4701% | 818 |
| Equity capital to assets | 8.6880% | 5,887 |
| Core capital (leverage) ratio | 7.7930% | 6,418 |
| Tier 1 risk-based capital ratio | 15.6148% | 3,385 |
| Total risk-based capital ratio | 16.8644% | 3,354 |
| Memoranda: | ||
| Average total assets | $110,148,500 | 4,705 |
| Average earning assets | $106,057,500 | 4,543 |
| Average equity | $9,654,500 | 5,130 |
| Average total loans | $38,451,500 | 5,712 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 7,056 |
| Cost of funding earning assets | 0.5555% | 6,312 |
| Net interest margin | 2.8382% | 6,776 |
| Noninterest income to average assets | 0.1784% | 6,213 |
| Noninterest expense to average assets | 2.1266% | 6,434 |
| Loan and lease loss provision to assets | 0.0717% | 5,718 |
| Net operating income to assets | 0.6826% | 3,566 |
| Return on assets (ROA) | 0.6826% | 3,759 |
| Pretax return on assets | 0.7295% | 4,220 |
| Return on Equity (ROE) | 7.5441% | 3,126 |
| Retained earnings to average equity (ytd only) | 4.5154% | 2,960 |
| Net charge-offs to loans | -0.0517% | 7,057 |
| Credit loss provision to net charge-offs | -378.9474% | 6,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6344% | 3,459 |
| Assets per employee ($millions) | 5.3611% | 1,765 |
| Cash dividends to net income (ytd only)* | 40.1460% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 3,117 |
| Loan loss allowance to noncurrent loans | 95.6338% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 5,286 |
| Noncurrent loans to loans | 1.8006% | 3,469 |
| Net loans and leases to total assets | 36.1431% | 6,762 |
| Net loans and leases to deposits | 40.0242% | 6,882 |
| Net loans and leases to core deposits | 41.1968% | 6,909 |
| Total domestic deposits to total assets | 90.3032% | 810 |
| Equity capital to assets | 8.8462% | 5,736 |
| Core capital (leverage) ratio | 8.0393% | 6,216 |
| Tier 1 risk-based capital ratio | 15.1607% | 3,540 |
| Total risk-based capital ratio | 16.3843% | 3,523 |
| Memoranda: | ||
| Average total assets | $100,348,800 | 4,883 |
| Average earning assets | $97,209,000 | 4,705 |
| Average equity | $9,080,000 | 5,259 |
| Average total loans | $36,761,200 | 5,837 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4584% | 7,104 |
| Cost of funding earning assets | 0.5729% | 6,419 |
| Net interest margin | 2.8855% | 6,772 |
| Noninterest income to average assets | 0.1649% | 6,415 |
| Noninterest expense to average assets | 2.0331% | 6,626 |
| Loan and lease loss provision to assets | 0.0730% | 5,541 |
| Net operating income to assets | 0.8165% | 3,074 |
| Return on assets (ROA) | 0.8165% | 3,243 |
| Pretax return on assets | 0.8570% | 3,922 |
| Return on Equity (ROE) | 8.9691% | 2,612 |
| Retained earnings to average equity (ytd only) | 4.8855% | 3,252 |
| Net charge-offs to loans | -0.0037% | 6,697 |
| Credit loss provision to net charge-offs | -5,400.0000% | 6,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6131% | 4,193 |
| Assets per employee ($millions) | 4.9050% | 2,313 |
| Cash dividends to net income (ytd only)* | 45.5303% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 3,153 |
| Loan loss allowance to noncurrent loans | 88.4457% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 5,356 |
| Noncurrent loans to loans | 1.9603% | 3,414 |
| Net loans and leases to total assets | 35.3812% | 6,895 |
| Net loans and leases to deposits | 39.3530% | 6,998 |
| Net loans and leases to core deposits | 40.5600% | 7,022 |
| Total domestic deposits to total assets | 89.9072% | 915 |
| Equity capital to assets | 9.1987% | 5,515 |
| Core capital (leverage) ratio | 8.1478% | 6,205 |
| Tier 1 risk-based capital ratio | 15.8678% | 3,183 |
| Total risk-based capital ratio | 17.0923% | 3,157 |
| Memoranda: | ||
| Average total assets | $98,630,750 | 4,959 |
| Average earning assets | $95,648,500 | 4,791 |
| Average equity | $8,978,750 | 5,313 |
| Average total loans | $36,093,500 | 5,914 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 7,139 |
| Cost of funding earning assets | 0.5944% | 6,489 |
| Net interest margin | 2.9443% | 6,706 |
| Noninterest income to average assets | 0.1667% | 6,466 |
| Noninterest expense to average assets | 2.0808% | 6,633 |
| Loan and lease loss provision to assets | 0.0741% | 5,386 |
| Net operating income to assets | 0.8253% | 2,960 |
| Return on assets (ROA) | 0.8253% | 3,070 |
| Pretax return on assets | 0.8665% | 3,774 |
| Return on Equity (ROE) | 9.0999% | 2,468 |
| Retained earnings to average equity (ytd only) | 6.2632% | 2,264 |
| Net charge-offs to loans | 0.0783% | 4,858 |
| Credit loss provision to net charge-offs | 257.1429% | 1,179 |
| Earnings coverage of net charge-offs (x) | 32.6429% | 869 |
| Efficiency ratio | 68.8692% | 4,349 |
| Assets per employee ($millions) | 5.1234% | 1,967 |
| Cash dividends to net income (ytd only)* | 31.1721% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 3,288 |
| Loan loss allowance to noncurrent loans | 80.7947% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 5,399 |
| Noncurrent loans to loans | 2.1198% | 3,324 |
| Net loans and leases to total assets | 34.1629% | 7,040 |
| Net loans and leases to deposits | 37.8263% | 7,124 |
| Net loans and leases to core deposits | 38.5524% | 7,151 |
| Total domestic deposits to total assets | 90.3150% | 805 |
| Equity capital to assets | 8.9579% | 5,641 |
| Core capital (leverage) ratio | 8.4349% | 5,653 |
| Tier 1 risk-based capital ratio | 16.1375% | 2,909 |
| Total risk-based capital ratio | 17.3265% | 2,910 |
| Memoranda: | ||
| Average total assets | $97,173,000 | 5,043 |
| Average earning assets | $94,216,330 | 4,876 |
| Average equity | $8,813,330 | 5,374 |
| Average total loans | $35,762,330 | 5,980 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5471% | 7,179 |
| Cost of funding earning assets | 0.6203% | 6,524 |
| Net interest margin | 2.9268% | 6,712 |
| Noninterest income to average assets | 0.1777% | 6,452 |
| Noninterest expense to average assets | 2.0989% | 6,636 |
| Loan and lease loss provision to assets | 0.0762% | 5,046 |
| Net operating income to assets | 0.8040% | 3,012 |
| Return on assets (ROA) | 0.8040% | 3,077 |
| Pretax return on assets | 0.8379% | 3,749 |
| Return on Equity (ROE) | 8.8060% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.8060% | 1,449 |
| Net charge-offs to loans | 0.3125% | 2,799 |
| Credit loss provision to net charge-offs | 64.2857% | 3,463 |
| Earnings coverage of net charge-offs (x) | 7.7143% | 1,907 |
| Efficiency ratio | 69.6629% | 4,343 |
| Assets per employee ($millions) | 5.0828% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,578 |
| Loan loss allowance to noncurrent loans | 69.5548% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 5,156 |
| Noncurrent loans to loans | 2.3555% | 3,131 |
| Net loans and leases to total assets | 35.9320% | 7,006 |
| Net loans and leases to deposits | 39.8125% | 7,113 |
| Net loans and leases to core deposits | 40.9123% | 7,137 |
| Total domestic deposits to total assets | 90.2531% | 985 |
| Equity capital to assets | 9.1391% | 4,971 |
| Core capital (leverage) ratio | 8.5645% | 5,321 |
| Tier 1 risk-based capital ratio | 16.4700% | 2,673 |
| Total risk-based capital ratio | 17.6319% | 2,687 |
| Memoranda: | ||
| Average total assets | $94,525,500 | 5,152 |
| Average earning assets | $91,568,000 | 4,983 |
| Average equity | $8,630,500 | 5,427 |
| Average total loans | $35,835,500 | 6,031 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 7,196 |
| Cost of funding earning assets | 0.7865% | 6,625 |
| Net interest margin | 3.1159% | 6,475 |
| Noninterest income to average assets | 0.2028% | 6,333 |
| Noninterest expense to average assets | 2.3832% | 6,132 |
| Loan and lease loss provision to assets | 0.0777% | 6,381 |
| Net operating income to assets | 0.7951% | 2,823 |
| Return on assets (ROA) | 0.7951% | 2,961 |
| Pretax return on assets | 0.7509% | 3,797 |
| Return on Equity (ROE) | 8.7322% | 2,406 |
| Retained earnings to average equity (ytd only) | 6.3033% | 1,661 |
| Net charge-offs to loans | -0.2527% | 7,556 |
| Credit loss provision to net charge-offs | -80.0000% | 7,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2022% | 3,356 |
| Assets per employee ($millions) | 4.8672% | 2,328 |
| Cash dividends to net income (ytd only)* | 27.8155% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 3,519 |
| Loan loss allowance to noncurrent loans | 70.2509% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 5,174 |
| Noncurrent loans to loans | 2.3000% | 3,223 |
| Net loans and leases to total assets | 38.7167% | 7,037 |
| Net loans and leases to deposits | 42.8580% | 7,156 |
| Net loans and leases to core deposits | 44.7561% | 7,177 |
| Total domestic deposits to total assets | 90.3371% | 917 |
| Equity capital to assets | 9.1212% | 4,964 |
| Core capital (leverage) ratio | 8.4415% | 5,464 |
| Tier 1 risk-based capital ratio | 16.1857% | 2,660 |
| Total risk-based capital ratio | 17.3749% | 2,647 |
| Memoranda: | ||
| Average total assets | $92,691,600 | 5,201 |
| Average earning assets | $89,509,600 | 5,034 |
| Average equity | $8,440,000 | 5,568 |
| Average total loans | $35,620,400 | 6,132 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 7,321 |
| Cost of funding earning assets | 0.8193% | 6,690 |
| Net interest margin | 3.1150% | 6,579 |
| Noninterest income to average assets | 0.1941% | 6,498 |
| Noninterest expense to average assets | 2.2110% | 6,576 |
| Loan and lease loss provision to assets | 0.0776% | 6,270 |
| Net operating income to assets | 0.8683% | 2,749 |
| Return on assets (ROA) | 0.8683% | 2,878 |
| Pretax return on assets | 0.9114% | 3,522 |
| Return on Equity (ROE) | 9.5402% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.3023% | 2,199 |
| Net charge-offs to loans | -0.3387% | 7,656 |
| Credit loss provision to net charge-offs | -60.0000% | 6,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0925% | 4,250 |
| Assets per employee ($millions) | 4.8400% | 2,397 |
| Cash dividends to net income (ytd only)* | 33.9410% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 3,613 |
| Loan loss allowance to noncurrent loans | 65.5172% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 5,279 |
| Noncurrent loans to loans | 2.4129% | 3,221 |
| Net loans and leases to total assets | 36.6591% | 7,236 |
| Net loans and leases to deposits | 40.8068% | 7,348 |
| Net loans and leases to core deposits | 42.7398% | 7,357 |
| Total domestic deposits to total assets | 89.8357% | 957 |
| Equity capital to assets | 9.1674% | 5,355 |
| Core capital (leverage) ratio | 8.3326% | 5,817 |
| Tier 1 risk-based capital ratio | 15.8059% | 2,860 |
| Total risk-based capital ratio | 16.9505% | 2,866 |
| Memoranda: | ||
| Average total assets | $92,745,250 | 5,261 |
| Average earning assets | $89,501,250 | 5,091 |
| Average equity | $8,441,250 | 5,643 |
| Average total loans | $35,427,500 | 6,224 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 7,350 |
| Cost of funding earning assets | 0.8681% | 6,699 |
| Net interest margin | 3.1498% | 6,465 |
| Noninterest income to average assets | 0.2035% | 6,449 |
| Noninterest expense to average assets | 2.2387% | 6,547 |
| Loan and lease loss provision to assets | 0.0788% | 6,152 |
| Net operating income to assets | 0.8775% | 2,630 |
| Return on assets (ROA) | 0.8775% | 2,764 |
| Pretax return on assets | 0.9191% | 3,421 |
| Return on Equity (ROE) | 9.6661% | 2,225 |
| Retained earnings to average equity (ytd only) | 7.7377% | 1,534 |
| Net charge-offs to loans | -0.3862% | 7,709 |
| Credit loss provision to net charge-offs | -52.9412% | 6,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1684% | 4,343 |
| Assets per employee ($millions) | 4.4964% | 2,885 |
| Cash dividends to net income (ytd only)* | 19.9501% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 4,045 |
| Loan loss allowance to noncurrent loans | 57.9235% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.9690% | 5,197 |
| Noncurrent loans to loans | 2.5439% | 3,115 |
| Net loans and leases to total assets | 37.5307% | 7,290 |
| Net loans and leases to deposits | 41.5934% | 7,405 |
| Net loans and leases to core deposits | 43.0690% | 7,426 |
| Total domestic deposits to total assets | 90.2324% | 807 |
| Equity capital to assets | 8.9649% | 5,502 |
| Core capital (leverage) ratio | 8.3528% | 5,658 |
| Tier 1 risk-based capital ratio | 15.7659% | 2,770 |
| Total risk-based capital ratio | 16.8383% | 2,820 |
| Memoranda: | ||
| Average total assets | $91,393,670 | 5,343 |
| Average earning assets | $88,004,670 | 5,173 |
| Average equity | $8,297,000 | 5,699 |
| Average total loans | $35,218,000 | 6,279 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 7,404 |
| Cost of funding earning assets | 0.9045% | 6,754 |
| Net interest margin | 3.1610% | 6,416 |
| Noninterest income to average assets | 0.1958% | 6,558 |
| Noninterest expense to average assets | 2.2341% | 6,596 |
| Loan and lease loss provision to assets | 0.0801% | 5,843 |
| Net operating income to assets | 0.8856% | 2,610 |
| Return on assets (ROA) | 0.8856% | 2,674 |
| Pretax return on assets | 0.9301% | 3,347 |
| Return on Equity (ROE) | 9.6920% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.6920% | 1,211 |
| Net charge-offs to loans | -0.2755% | 7,725 |
| Credit loss provision to net charge-offs | -75.0000% | 6,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8615% | 4,534 |
| Assets per employee ($millions) | 4.4492% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 4,678 |
| Loan loss allowance to noncurrent loans | 42.7397% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 4,627 |
| Noncurrent loans to loans | 3.1584% | 2,542 |
| Net loans and leases to total assets | 36.6044% | 7,406 |
| Net loans and leases to deposits | 40.6313% | 7,500 |
| Net loans and leases to core deposits | 42.7480% | 7,508 |
| Total domestic deposits to total assets | 90.0893% | 940 |
| Equity capital to assets | 8.9924% | 5,291 |
| Core capital (leverage) ratio | 8.3925% | 5,579 |
| Tier 1 risk-based capital ratio | 15.7972% | 2,729 |
| Total risk-based capital ratio | 16.7611% | 2,811 |
| Memoranda: | ||
| Average total assets | $89,878,500 | 5,460 |
| Average earning assets | $86,681,000 | 5,283 |
| Average equity | $8,213,000 | 5,764 |
| Average total loans | $34,843,000 | 6,381 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 7,260 |
| Cost of funding earning assets | 1.1716% | 6,761 |
| Net interest margin | 3.4477% | 5,180 |
| Noninterest income to average assets | 0.1831% | 6,779 |
| Noninterest expense to average assets | 2.5426% | 5,977 |
| Loan and lease loss provision to assets | 0.0691% | 6,887 |
| Net operating income to assets | 0.8503% | 2,347 |
| Return on assets (ROA) | 0.8590% | 2,387 |
| Pretax return on assets | 0.9017% | 2,917 |
| Return on Equity (ROE) | 9.7493% | 1,760 |
| Retained earnings to average equity (ytd only) | 7.0702% | 941 |
| Net charge-offs to loans | 0.0564% | 6,534 |
| Credit loss provision to net charge-offs | 300.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 592 |
| Efficiency ratio | 72.5600% | 4,174 |
| Assets per employee ($millions) | 4.1106% | 3,595 |
| Cash dividends to net income (ytd only)* | 27.4799% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 5,261 |
| Loan loss allowance to noncurrent loans | 57.7236% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0808% | 4,930 |
| Noncurrent loans to loans | 2.1075% | 3,505 |
| Net loans and leases to total assets | 40.0716% | 7,346 |
| Net loans and leases to deposits | 44.5967% | 7,490 |
| Net loans and leases to core deposits | 52.0142% | 7,523 |
| Total domestic deposits to total assets | 89.8532% | 1,035 |
| Equity capital to assets | 9.2953% | 4,704 |
| Core capital (leverage) ratio | 8.7197% | 4,890 |
| Tier 1 risk-based capital ratio | 15.7699% | 2,611 |
| Total risk-based capital ratio | 16.6691% | 2,704 |
| Memoranda: | ||
| Average total assets | $86,840,400 | 5,492 |
| Average earning assets | $83,648,800 | 5,341 |
| Average equity | $7,651,800 | 6,035 |
| Average total loans | $35,442,600 | 6,334 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6743% | 7,325 |
| Cost of funding earning assets | 1.2194% | 6,838 |
| Net interest margin | 3.4548% | 5,052 |
| Noninterest income to average assets | 0.1579% | 7,065 |
| Noninterest expense to average assets | 2.3226% | 6,642 |
| Loan and lease loss provision to assets | 0.0690% | 6,674 |
| Net operating income to assets | 0.9810% | 2,125 |
| Return on assets (ROA) | 0.9919% | 2,150 |
| Pretax return on assets | 1.1099% | 2,533 |
| Return on Equity (ROE) | 11.4126% | 1,509 |
| Retained earnings to average equity (ytd only) | 7.7965% | 1,200 |
| Net charge-offs to loans | -0.0150% | 7,728 |
| Credit loss provision to net charge-offs | -1,125.0000% | 7,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5641% | 5,277 |
| Assets per employee ($millions) | 3.9807% | 3,771 |
| Cash dividends to net income (ytd only)* | 31.6849% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 5,008 |
| Loan loss allowance to noncurrent loans | 46.9256% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1089% | 4,859 |
| Noncurrent loans to loans | 2.5987% | 2,907 |
| Net loans and leases to total assets | 42.1520% | 7,356 |
| Net loans and leases to deposits | 47.2181% | 7,528 |
| Net loans and leases to core deposits | 55.8688% | 7,546 |
| Total domestic deposits to total assets | 89.2709% | 1,073 |
| Equity capital to assets | 9.6692% | 4,533 |
| Core capital (leverage) ratio | 8.6662% | 5,191 |
| Tier 1 risk-based capital ratio | 15.7546% | 2,715 |
| Total risk-based capital ratio | 16.6841% | 2,797 |
| Memoranda: | ||
| Average total assets | $86,969,750 | 5,515 |
| Average earning assets | $83,861,250 | 5,381 |
| Average equity | $7,558,750 | 6,124 |
| Average total loans | $35,549,000 | 6,375 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 7,402 |
| Cost of funding earning assets | 1.2638% | 6,913 |
| Net interest margin | 3.4291% | 5,065 |
| Noninterest income to average assets | 0.1339% | 7,289 |
| Noninterest expense to average assets | 2.3043% | 6,749 |
| Loan and lease loss provision to assets | 0.0681% | 6,521 |
| Net operating income to assets | 0.9532% | 2,267 |
| Return on assets (ROA) | 0.9694% | 2,311 |
| Pretax return on assets | 1.0875% | 2,676 |
| Return on Equity (ROE) | 11.5655% | 1,543 |
| Retained earnings to average equity (ytd only) | 9.3987% | 838 |
| Net charge-offs to loans | -0.0958% | 7,945 |
| Credit loss provision to net charge-offs | -176.4706% | 6,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9525% | 5,373 |
| Assets per employee ($millions) | 4.2157% | 3,261 |
| Cash dividends to net income (ytd only)* | 18.7354% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 4,825 |
| Loan loss allowance to noncurrent loans | 52.7406% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 5,031 |
| Noncurrent loans to loans | 2.3104% | 3,125 |
| Net loans and leases to total assets | 41.6330% | 7,471 |
| Net loans and leases to deposits | 46.0348% | 7,633 |
| Net loans and leases to core deposits | 52.6298% | 7,692 |
| Total domestic deposits to total assets | 90.4380% | 653 |
| Equity capital to assets | 8.8610% | 5,510 |
| Core capital (leverage) ratio | 8.3991% | 5,621 |
| Tier 1 risk-based capital ratio | 15.3468% | 2,873 |
| Total risk-based capital ratio | 16.2600% | 2,954 |
| Memoranda: | ||
| Average total assets | $88,094,670 | 5,527 |
| Average earning assets | $84,978,670 | 5,381 |
| Average equity | $7,384,000 | 6,232 |
| Average total loans | $35,508,000 | 6,437 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 7,517 |
| Cost of funding earning assets | 1.3162% | 6,974 |
| Net interest margin | 3.3732% | 5,244 |
| Noninterest income to average assets | 0.0933% | 7,585 |
| Noninterest expense to average assets | 2.1648% | 6,970 |
| Loan and lease loss provision to assets | 0.0667% | 6,115 |
| Net operating income to assets | 0.9690% | 2,446 |
| Return on assets (ROA) | 0.9690% | 2,572 |
| Pretax return on assets | 1.1202% | 2,908 |
| Return on Equity (ROE) | 11.8793% | 1,700 |
| Retained earnings to average equity (ytd only) | 11.8793% | 811 |
| Net charge-offs to loans | 0.1127% | 4,069 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 26.7000% | 1,171 |
| Efficiency ratio | 64.5889% | 5,579 |
| Assets per employee ($millions) | 4.4535% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,310 |
| Loan loss allowance to noncurrent loans | 42.8728% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0239% | 4,652 |
| Noncurrent loans to loans | 2.6182% | 2,517 |
| Net loans and leases to total assets | 38.6689% | 7,632 |
| Net loans and leases to deposits | 42.5983% | 7,767 |
| Net loans and leases to core deposits | 50.3987% | 7,780 |
| Total domestic deposits to total assets | 90.7757% | 488 |
| Equity capital to assets | 8.4317% | 6,182 |
| Core capital (leverage) ratio | 7.8765% | 6,656 |
| Tier 1 risk-based capital ratio | 15.1168% | 3,007 |
| Total risk-based capital ratio | 15.9437% | 3,137 |
| Memoranda: | ||
| Average total assets | $89,985,500 | 5,485 |
| Average earning assets | $86,919,500 | 5,321 |
| Average equity | $7,340,500 | 6,281 |
| Average total loans | $35,494,500 | 6,465 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 7,566 |
| Cost of funding earning assets | 2.0071% | 6,393 |
| Net interest margin | 3.3215% | 5,965 |
| Noninterest income to average assets | 0.2099% | 6,936 |
| Noninterest expense to average assets | 2.3450% | 6,579 |
| Loan and lease loss provision to assets | 0.0928% | 6,208 |
| Net operating income to assets | 0.7969% | 3,447 |
| Return on assets (ROA) | 0.7979% | 3,282 |
| Pretax return on assets | 0.9591% | 3,527 |
| Return on Equity (ROE) | 10.1541% | 2,204 |
| Retained earnings to average equity (ytd only) | 7.2023% | 1,088 |
| Net charge-offs to loans | 0.2532% | 3,746 |
| Credit loss provision to net charge-offs | 91.9540% | 5,636 |
| Earnings coverage of net charge-offs (x) | 10.4138% | 2,515 |
| Efficiency ratio | 69.0574% | 4,518 |
| Assets per employee ($millions) | 4.5451% | 2,546 |
| Cash dividends to net income (ytd only)* | 29.0698% | 4,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 5,500 |
| Loan loss allowance to noncurrent loans | 47.4785% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 4,488 |
| Noncurrent loans to loans | 2.2486% | 2,447 |
| Net loans and leases to total assets | 39.3501% | 7,701 |
| Net loans and leases to deposits | 43.0684% | 7,874 |
| Net loans and leases to core deposits | 51.5507% | 7,852 |
| Total domestic deposits to total assets | 91.3665% | 230 |
| Equity capital to assets | 7.8887% | 6,982 |
| Core capital (leverage) ratio | 7.7395% | 6,874 |
| Tier 1 risk-based capital ratio | 14.3238% | 3,380 |
| Total risk-based capital ratio | 15.1216% | 3,527 |
| Memoranda: | ||
| Average total assets | $86,226,400 | 5,475 |
| Average earning assets | $82,704,400 | 5,340 |
| Average equity | $6,775,600 | 6,539 |
| Average total loans | $34,357,000 | 6,469 |