Home > Success Bank > Performance and Condition Ratios
Success 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 | 5.3912% | 1,330 |
| Cost of funding earning assets | 1.9174% | 1,041 |
| Net interest margin | 3.4739% | 2,247 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.2902% | 2,875 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 1.2836% | 1,463 |
| Return on assets (ROA) | 1.1940% | 1,639 |
| Pretax return on assets | 1.2521% | 2,002 |
| Return on Equity (ROE) | 11.5200% | 2,087 |
| Retained earnings to average equity (ytd only) | 5.4540% | 2,421 |
| Net charge-offs to loans | -0.0170% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.4967% | 2,671 |
| Assets per employee ($millions) | 8.5234% | 1,171 |
| Cash dividends to net income (ytd only)* | 52.6489% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,311 |
| Loan loss allowance to noncurrent loans | 621.5625% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 2,707 |
| Noncurrent loans to loans | 0.1607% | 2,717 |
| Net loans and leases to total assets | 77.0800% | 964 |
| Net loans and leases to deposits | 87.3109% | 1,502 |
| Net loans and leases to core deposits | 88.3564% | 2,160 |
| Total domestic deposits to total assets | 88.2800% | 1,261 |
| Equity capital to assets | 10.9045% | 1,518 |
| Core capital (leverage) ratio | 11.5994% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $254,524,800 | 2,650 |
| Average earning assets | $237,776,000 | 2,642 |
| Average equity | $26,384,400 | 2,442 |
| Average total loans | $205,644,600 | 2,249 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3492% | 1,210 |
| Cost of funding earning assets | 1.8839% | 879 |
| Net interest margin | 3.4654% | 2,295 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.2116% | 3,050 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.3802% | 1,363 |
| Return on assets (ROA) | 1.3893% | 1,331 |
| Pretax return on assets | 1.4501% | 1,675 |
| Return on Equity (ROE) | 13.5800% | 1,774 |
| Retained earnings to average equity (ytd only) | 7.4278% | 2,166 |
| Net charge-offs to loans | -0.0225% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.7549% | 2,881 |
| Assets per employee ($millions) | 8.2815% | 1,217 |
| Cash dividends to net income (ytd only)* | 45.3001% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,366 |
| Loan loss allowance to noncurrent loans | 1,080.4233% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,090 |
| Noncurrent loans to loans | 0.0926% | 3,115 |
| Net loans and leases to total assets | 81.3100% | 495 |
| Net loans and leases to deposits | 93.7952% | 914 |
| Net loans and leases to core deposits | 95.0629% | 1,613 |
| Total domestic deposits to total assets | 86.6900% | 1,984 |
| Equity capital to assets | 10.4574% | 1,571 |
| Core capital (leverage) ratio | 11.7032% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $254,230,750 | 2,664 |
| Average earning assets | $237,661,000 | 2,647 |
| Average equity | $26,009,750 | 2,444 |
| Average total loans | $207,286,750 | 2,239 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 1,187 |
| Cost of funding earning assets | 1.8286% | 702 |
| Net interest margin | 3.3910% | 2,545 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.2322% | 2,986 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.3387% | 1,475 |
| Return on assets (ROA) | 1.3492% | 1,444 |
| Pretax return on assets | 1.4046% | 1,802 |
| Return on Equity (ROE) | 13.2800% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.1332% | 2,242 |
| Net charge-offs to loans | -0.0221% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.8831% | 2,729 |
| Assets per employee ($millions) | 8.2338% | 1,220 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,497 |
| Loan loss allowance to noncurrent loans | 4,508.8889% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,654 |
| Noncurrent loans to loans | 0.0218% | 3,605 |
| Net loans and leases to total assets | 80.2400% | 607 |
| Net loans and leases to deposits | 93.9809% | 867 |
| Net loans and leases to core deposits | 95.3645% | 1,505 |
| Total domestic deposits to total assets | 85.3800% | 2,432 |
| Equity capital to assets | 10.3206% | 1,684 |
| Core capital (leverage) ratio | 11.2589% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $256,159,333 | 2,654 |
| Average earning assets | $239,635,000 | 2,639 |
| Average equity | $26,019,333 | 2,462 |
| Average total loans | $208,367,000 | 2,233 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 1,169 |
| Cost of funding earning assets | 1.7337% | 519 |
| Net interest margin | 3.2990% | 2,874 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.1667% | 3,203 |
| Loan and lease loss provision to assets | -0.0700% | 4,549 |
| Net operating income to assets | 1.5716% | 1,036 |
| Return on assets (ROA) | 1.5837% | 1,009 |
| Pretax return on assets | 1.6398% | 1,386 |
| Return on Equity (ROE) | 15.7200% | 1,415 |
| Retained earnings to average equity (ytd only) | 11.0761% | 1,449 |
| Net charge-offs to loans | -0.0516% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.1347% | 3,180 |
| Assets per employee ($millions) | 8.4830% | 1,128 |
| Cash dividends to net income (ytd only)* | 29.5276% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,649 |
| Loan loss allowance to noncurrent loans | 4,195.8333% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,629 |
| Noncurrent loans to loans | 0.0230% | 3,605 |
| Net loans and leases to total assets | 78.5100% | 711 |
| Net loans and leases to deposits | 91.8204% | 928 |
| Net loans and leases to core deposits | 92.9979% | 1,453 |
| Total domestic deposits to total assets | 85.5000% | 2,725 |
| Equity capital to assets | 10.0599% | 1,785 |
| Core capital (leverage) ratio | 11.3575% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $256,615,500 | 2,690 |
| Average earning assets | $239,948,000 | 2,673 |
| Average equity | $25,857,500 | 2,491 |
| Average total loans | $209,125,500 | 2,244 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 537 |
| Cost of funding earning assets | 0.7932% | 393 |
| Net interest margin | 3.8795% | 1,008 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.2670% | 2,842 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4898% | 902 |
| Return on assets (ROA) | 1.4858% | 879 |
| Pretax return on assets | 1.5514% | 1,289 |
| Return on Equity (ROE) | 14.4800% | 1,411 |
| Retained earnings to average equity (ytd only) | 5.7456% | 2,735 |
| Net charge-offs to loans | 0.0099% | 2,004 |
| Credit loss provision to net charge-offs | 515.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 196.1000% | 650 |
| Efficiency ratio | 58.6636% | 3,239 |
| Assets per employee ($millions) | 8.3419% | 1,172 |
| Cash dividends to net income (ytd only)* | 60.3070% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 3,523 |
| Loan loss allowance to noncurrent loans | 1,503.7037% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 3,261 |
| Noncurrent loans to loans | 0.0644% | 3,282 |
| Net loans and leases to total assets | 83.0100% | 323 |
| Net loans and leases to deposits | 94.6986% | 735 |
| Net loans and leases to core deposits | 97.5178% | 1,129 |
| Total domestic deposits to total assets | 87.6600% | 2,190 |
| Equity capital to assets | 10.0936% | 1,667 |
| Core capital (leverage) ratio | 11.1713% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $245,517,400 | 2,754 |
| Average earning assets | $228,817,200 | 2,744 |
| Average equity | $25,201,800 | 2,571 |
| Average total loans | $202,488,200 | 2,208 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 490 |
| Cost of funding earning assets | 0.5829% | 476 |
| Net interest margin | 3.9314% | 738 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.2919% | 2,648 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.5194% | 807 |
| Return on assets (ROA) | 1.5132% | 804 |
| Pretax return on assets | 1.5923% | 1,135 |
| Return on Equity (ROE) | 14.6800% | 1,244 |
| Retained earnings to average equity (ytd only) | 5.9447% | 2,770 |
| Net charge-offs to loans | 0.0120% | 1,672 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 163.7778% | 713 |
| Efficiency ratio | 58.7577% | 3,295 |
| Assets per employee ($millions) | 8.1015% | 1,273 |
| Cash dividends to net income (ytd only)* | 59.5023% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 3,751 |
| Loan loss allowance to noncurrent loans | 1,088.2682% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,182 |
| Noncurrent loans to loans | 0.0862% | 3,261 |
| Net loans and leases to total assets | 81.9200% | 379 |
| Net loans and leases to deposits | 97.1571% | 490 |
| Net loans and leases to core deposits | 100.8001% | 786 |
| Total domestic deposits to total assets | 84.3200% | 3,425 |
| Equity capital to assets | 9.6752% | 1,784 |
| Core capital (leverage) ratio | 11.1469% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $244,332,500 | 2,782 |
| Average earning assets | $227,600,000 | 2,773 |
| Average equity | $25,187,250 | 2,615 |
| Average total loans | $200,665,750 | 2,224 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 472 |
| Cost of funding earning assets | 0.4056% | 884 |
| Net interest margin | 3.9521% | 554 |
| Noninterest income to average assets | 0.2231% | 3,861 |
| Noninterest expense to average assets | 2.3688% | 2,339 |
| Loan and lease loss provision to assets | 0.0950% | 1,047 |
| Net operating income to assets | 1.3644% | 989 |
| Return on assets (ROA) | 1.3542% | 995 |
| Pretax return on assets | 1.4277% | 1,367 |
| Return on Equity (ROE) | 12.8633% | 1,412 |
| Retained earnings to average equity (ytd only) | 4.2302% | 3,004 |
| Net charge-offs to loans | 0.0161% | 1,429 |
| Credit loss provision to net charge-offs | 718.7500% | 508 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 754 |
| Efficiency ratio | 60.7029% | 3,214 |
| Assets per employee ($millions) | 7.7248% | 1,460 |
| Cash dividends to net income (ytd only)* | 67.1141% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,604 |
| Loan loss allowance to noncurrent loans | 2,495.1220% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,649 |
| Noncurrent loans to loans | 0.0400% | 3,647 |
| Net loans and leases to total assets | 82.1784% | 277 |
| Net loans and leases to deposits | 95.1262% | 471 |
| Net loans and leases to core deposits | 98.4067% | 744 |
| Total domestic deposits to total assets | 86.3888% | 3,145 |
| Equity capital to assets | 10.0985% | 1,658 |
| Core capital (leverage) ratio | 11.0234% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,061,000 | 2,815 |
| Average earning assets | $225,346,000 | 2,824 |
| Average equity | $25,483,333 | 2,652 |
| Average total loans | $198,326,333 | 2,248 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 459 |
| Cost of funding earning assets | 0.3687% | 1,067 |
| Net interest margin | 3.9079% | 493 |
| Noninterest income to average assets | 0.2104% | 3,901 |
| Noninterest expense to average assets | 2.2230% | 2,766 |
| Loan and lease loss provision to assets | 0.0501% | 1,470 |
| Net operating income to assets | 1.4911% | 646 |
| Return on assets (ROA) | 1.4831% | 650 |
| Pretax return on assets | 1.5583% | 905 |
| Return on Equity (ROE) | 13.7977% | 872 |
| Retained earnings to average equity (ytd only) | 5.2518% | 2,499 |
| Net charge-offs to loans | 0.0534% | 757 |
| Credit loss provision to net charge-offs | 115.3846% | 946 |
| Earnings coverage of net charge-offs (x) | 37.2308% | 1,037 |
| Efficiency ratio | 57.8947% | 3,695 |
| Assets per employee ($millions) | 7.7918% | 1,493 |
| Cash dividends to net income (ytd only)* | 61.9369% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,776 |
| Loan loss allowance to noncurrent loans | 2,672.6027% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,736 |
| Noncurrent loans to loans | 0.0369% | 3,717 |
| Net loans and leases to total assets | 81.0414% | 198 |
| Net loans and leases to deposits | 91.2376% | 461 |
| Net loans and leases to core deposits | 94.2466% | 726 |
| Total domestic deposits to total assets | 88.8245% | 2,157 |
| Equity capital to assets | 10.5623% | 1,569 |
| Core capital (leverage) ratio | 11.0945% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,494,500 | 2,849 |
| Average earning assets | $222,423,500 | 2,849 |
| Average equity | $25,743,500 | 2,725 |
| Average total loans | $194,896,500 | 2,263 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 429 |
| Cost of funding earning assets | 0.4471% | 1,224 |
| Net interest margin | 4.2411% | 457 |
| Noninterest income to average assets | 0.2516% | 3,860 |
| Noninterest expense to average assets | 2.2964% | 2,807 |
| Loan and lease loss provision to assets | 0.0529% | 2,000 |
| Net operating income to assets | 1.7455% | 576 |
| Return on assets (ROA) | 1.7556% | 588 |
| Pretax return on assets | 1.8348% | 844 |
| Return on Equity (ROE) | 15.9793% | 767 |
| Retained earnings to average equity (ytd only) | 8.0155% | 1,537 |
| Net charge-offs to loans | -0.1155% | 4,607 |
| Credit loss provision to net charge-offs | -59.0244% | 3,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0210% | 3,817 |
| Assets per employee ($millions) | 7.4201% | 1,662 |
| Cash dividends to net income (ytd only)* | 49.8380% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,757 |
| Loan loss allowance to noncurrent loans | 462.6719% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 2,488 |
| Noncurrent loans to loans | 0.2650% | 2,655 |
| Net loans and leases to total assets | 79.9075% | 270 |
| Net loans and leases to deposits | 90.4188% | 550 |
| Net loans and leases to core deposits | 93.7250% | 793 |
| Total domestic deposits to total assets | 88.3748% | 1,842 |
| Equity capital to assets | 10.9391% | 1,826 |
| Core capital (leverage) ratio | 10.8908% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,579,200 | 2,857 |
| Average earning assets | $211,384,200 | 2,864 |
| Average equity | $25,113,800 | 2,839 |
| Average total loans | $177,528,000 | 2,401 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 402 |
| Cost of funding earning assets | 0.4614% | 1,279 |
| Net interest margin | 4.3500% | 407 |
| Noninterest income to average assets | 0.2486% | 3,905 |
| Noninterest expense to average assets | 2.2777% | 2,816 |
| Loan and lease loss provision to assets | 0.0376% | 2,241 |
| Net operating income to assets | 1.8571% | 603 |
| Return on assets (ROA) | 1.8672% | 609 |
| Pretax return on assets | 1.9643% | 847 |
| Return on Equity (ROE) | 16.9750% | 766 |
| Retained earnings to average equity (ytd only) | 9.2104% | 1,612 |
| Net charge-offs to loans | -0.1833% | 4,758 |
| Credit loss provision to net charge-offs | -26.7782% | 3,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3526% | 3,891 |
| Assets per employee ($millions) | 7.2803% | 1,692 |
| Cash dividends to net income (ytd only)* | 45.7413% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,597 |
| Loan loss allowance to noncurrent loans | 245.9916% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 1,829 |
| Noncurrent loans to loans | 0.5195% | 2,000 |
| Net loans and leases to total assets | 77.3284% | 442 |
| Net loans and leases to deposits | 87.6648% | 733 |
| Net loans and leases to core deposits | 90.9349% | 985 |
| Total domestic deposits to total assets | 88.2092% | 1,711 |
| Equity capital to assets | 11.0379% | 1,988 |
| Core capital (leverage) ratio | 11.0649% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,363,500 | 2,896 |
| Average earning assets | $209,220,250 | 2,905 |
| Average equity | $24,898,750 | 2,894 |
| Average total loans | $173,887,750 | 2,474 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 423 |
| Cost of funding earning assets | 0.4766% | 1,351 |
| Net interest margin | 4.4006% | 412 |
| Noninterest income to average assets | 0.2454% | 3,930 |
| Noninterest expense to average assets | 2.3144% | 2,725 |
| Loan and lease loss provision to assets | -0.0669% | 4,555 |
| Net operating income to assets | 1.9580% | 523 |
| Return on assets (ROA) | 1.9673% | 540 |
| Pretax return on assets | 2.0690% | 723 |
| Return on Equity (ROE) | 17.9074% | 667 |
| Retained earnings to average equity (ytd only) | 10.5983% | 1,217 |
| Net charge-offs to loans | -0.2865% | 4,835 |
| Credit loss provision to net charge-offs | 30.6122% | 1,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7394% | 3,835 |
| Assets per employee ($millions) | 7.0120% | 1,800 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,777 |
| Loan loss allowance to noncurrent loans | 230.0209% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 1,958 |
| Noncurrent loans to loans | 0.5341% | 2,070 |
| Net loans and leases to total assets | 76.3989% | 556 |
| Net loans and leases to deposits | 86.4419% | 890 |
| Net loans and leases to core deposits | 89.6771% | 1,161 |
| Total domestic deposits to total assets | 88.3818% | 1,629 |
| Equity capital to assets | 10.9138% | 2,055 |
| Core capital (leverage) ratio | 11.0759% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,161,333 | 2,907 |
| Average earning assets | $206,878,667 | 2,923 |
| Average equity | $24,626,667 | 2,899 |
| Average total loans | $171,022,333 | 2,504 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 494 |
| Cost of funding earning assets | 0.4990% | 1,402 |
| Net interest margin | 4.2874% | 528 |
| Noninterest income to average assets | 0.2358% | 3,981 |
| Noninterest expense to average assets | 2.4013% | 2,484 |
| Loan and lease loss provision to assets | -0.3247% | 4,870 |
| Net operating income to assets | 1.9997% | 568 |
| Return on assets (ROA) | 2.0186% | 602 |
| Pretax return on assets | 2.1220% | 776 |
| Return on Equity (ROE) | 18.3112% | 690 |
| Retained earnings to average equity (ytd only) | 10.9077% | 1,424 |
| Net charge-offs to loans | -0.6082% | 4,896 |
| Credit loss provision to net charge-offs | 70.4724% | 1,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4653% | 3,373 |
| Assets per employee ($millions) | 6.7974% | 1,939 |
| Cash dividends to net income (ytd only)* | 40.4313% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,775 |
| Loan loss allowance to noncurrent loans | 228.6957% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 2,172 |
| Noncurrent loans to loans | 0.5368% | 2,244 |
| Net loans and leases to total assets | 75.4702% | 679 |
| Net loans and leases to deposits | 85.3350% | 1,013 |
| Net loans and leases to core deposits | 89.0073% | 1,288 |
| Total domestic deposits to total assets | 88.4399% | 1,640 |
| Equity capital to assets | 10.9270% | 1,918 |
| Core capital (leverage) ratio | 11.1540% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,544,000 | 2,922 |
| Average earning assets | $202,825,500 | 2,948 |
| Average equity | $24,313,000 | 2,909 |
| Average total loans | $167,042,000 | 2,535 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 380 |
| Cost of funding earning assets | 0.8087% | 1,169 |
| Net interest margin | 4.3238% | 483 |
| Noninterest income to average assets | 0.2034% | 4,252 |
| Noninterest expense to average assets | 2.9002% | 1,683 |
| Loan and lease loss provision to assets | 0.0719% | 3,483 |
| Net operating income to assets | 1.1075% | 1,901 |
| Return on assets (ROA) | 1.1057% | 2,023 |
| Pretax return on assets | 1.1653% | 2,455 |
| Return on Equity (ROE) | 9.7279% | 2,106 |
| Retained earnings to average equity (ytd only) | 2.2353% | 3,737 |
| Net charge-offs to loans | 0.1097% | 1,375 |
| Credit loss provision to net charge-offs | 85.3933% | 2,959 |
| Earnings coverage of net charge-offs (x) | 14.7135% | 2,199 |
| Efficiency ratio | 70.0652% | 1,939 |
| Assets per employee ($millions) | 6.3757% | 2,022 |
| Cash dividends to net income (ytd only)* | 77.0218% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,703 |
| Loan loss allowance to noncurrent loans | 254.8995% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 2,314 |
| Noncurrent loans to loans | 0.4893% | 2,500 |
| Net loans and leases to total assets | 74.1144% | 1,010 |
| Net loans and leases to deposits | 84.0553% | 1,449 |
| Net loans and leases to core deposits | 88.5648% | 1,639 |
| Total domestic deposits to total assets | 88.1733% | 1,396 |
| Equity capital to assets | 11.1245% | 2,156 |
| Core capital (leverage) ratio | 10.8343% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,365,600 | 2,850 |
| Average earning assets | $192,402,400 | 2,889 |
| Average equity | $24,023,800 | 2,876 |
| Average total loans | $162,211,600 | 2,551 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 388 |
| Cost of funding earning assets | 0.8571% | 1,222 |
| Net interest margin | 4.3755% | 493 |
| Noninterest income to average assets | 0.2260% | 4,140 |
| Noninterest expense to average assets | 2.5928% | 2,550 |
| Loan and lease loss provision to assets | 0.0800% | 3,312 |
| Net operating income to assets | 1.4574% | 980 |
| Return on assets (ROA) | 1.4519% | 1,084 |
| Pretax return on assets | 1.5275% | 1,385 |
| Return on Equity (ROE) | 12.7047% | 1,193 |
| Retained earnings to average equity (ytd only) | 5.2052% | 2,470 |
| Net charge-offs to loans | 0.0946% | 1,365 |
| Credit loss provision to net charge-offs | 109.5652% | 2,555 |
| Earnings coverage of net charge-offs (x) | 22.0957% | 1,842 |
| Efficiency ratio | 61.6453% | 3,131 |
| Assets per employee ($millions) | 6.6707% | 1,696 |
| Cash dividends to net income (ytd only)* | 59.0293% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,459 |
| Loan loss allowance to noncurrent loans | 200.9728% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 2,069 |
| Noncurrent loans to loans | 0.6158% | 2,264 |
| Net loans and leases to total assets | 74.9015% | 1,252 |
| Net loans and leases to deposits | 89.6254% | 1,306 |
| Net loans and leases to core deposits | 94.6173% | 1,586 |
| Total domestic deposits to total assets | 83.5717% | 2,962 |
| Equity capital to assets | 11.1337% | 2,296 |
| Core capital (leverage) ratio | 11.2246% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,013,750 | 2,848 |
| Average earning assets | $191,027,000 | 2,882 |
| Average equity | $24,001,000 | 2,869 |
| Average total loans | $162,092,250 | 2,557 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 321 |
| Cost of funding earning assets | 0.9287% | 1,243 |
| Net interest margin | 4.6062% | 409 |
| Noninterest income to average assets | 0.2100% | 4,230 |
| Noninterest expense to average assets | 2.6558% | 2,499 |
| Loan and lease loss provision to assets | 0.0997% | 3,028 |
| Net operating income to assets | 1.5423% | 858 |
| Return on assets (ROA) | 1.5341% | 948 |
| Pretax return on assets | 1.6221% | 1,173 |
| Return on Equity (ROE) | 13.3016% | 1,035 |
| Retained earnings to average equity (ytd only) | 5.7487% | 2,178 |
| Net charge-offs to loans | 0.1845% | 821 |
| Credit loss provision to net charge-offs | 69.5946% | 2,551 |
| Earnings coverage of net charge-offs (x) | 12.0811% | 2,073 |
| Efficiency ratio | 60.5472% | 3,335 |
| Assets per employee ($millions) | 6.4560% | 1,825 |
| Cash dividends to net income (ytd only)* | 56.7823% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,377 |
| Loan loss allowance to noncurrent loans | 104.0911% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 1,256 |
| Noncurrent loans to loans | 1.1778% | 1,328 |
| Net loans and leases to total assets | 73.7737% | 1,442 |
| Net loans and leases to deposits | 89.1351% | 1,434 |
| Net loans and leases to core deposits | 94.1522% | 1,722 |
| Total domestic deposits to total assets | 82.7662% | 3,156 |
| Equity capital to assets | 11.0499% | 2,302 |
| Core capital (leverage) ratio | 11.2254% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,640,667 | 2,849 |
| Average earning assets | $187,356,333 | 2,894 |
| Average equity | $23,831,667 | 2,865 |
| Average total loans | $160,473,333 | 2,564 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8103% | 215 |
| Cost of funding earning assets | 1.0850% | 1,094 |
| Net interest margin | 4.7253% | 312 |
| Noninterest income to average assets | 0.1938% | 4,388 |
| Noninterest expense to average assets | 2.8870% | 2,162 |
| Loan and lease loss provision to assets | 0.0999% | 2,434 |
| Net operating income to assets | 1.3992% | 982 |
| Return on assets (ROA) | 1.3746% | 1,124 |
| Pretax return on assets | 1.4445% | 1,448 |
| Return on Equity (ROE) | 11.6511% | 1,212 |
| Retained earnings to average equity (ytd only) | 4.0305% | 2,668 |
| Net charge-offs to loans | 0.0907% | 1,152 |
| Credit loss provision to net charge-offs | 138.8889% | 1,625 |
| Earnings coverage of net charge-offs (x) | 21.8333% | 1,380 |
| Efficiency ratio | 64.7692% | 3,110 |
| Assets per employee ($millions) | 6.0619% | 1,629 |
| Cash dividends to net income (ytd only)* | 65.4070% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,086 |
| Loan loss allowance to noncurrent loans | 147.4697% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 1,713 |
| Noncurrent loans to loans | 0.8900% | 1,833 |
| Net loans and leases to total assets | 77.7732% | 1,009 |
| Net loans and leases to deposits | 95.5011% | 962 |
| Net loans and leases to core deposits | 101.5178% | 1,360 |
| Total domestic deposits to total assets | 81.4369% | 3,563 |
| Equity capital to assets | 11.8680% | 2,169 |
| Core capital (leverage) ratio | 11.8607% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,208,500 | 2,868 |
| Average earning assets | $180,645,000 | 2,913 |
| Average equity | $23,620,000 | 2,879 |
| Average total loans | $158,736,500 | 2,554 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2414% | 155 |
| Cost of funding earning assets | 1.3412% | 679 |
| Net interest margin | 4.9002% | 332 |
| Noninterest income to average assets | 0.3262% | 3,744 |
| Noninterest expense to average assets | 2.7304% | 2,800 |
| Loan and lease loss provision to assets | 0.1501% | 1,420 |
| Net operating income to assets | 1.7675% | 567 |
| Return on assets (ROA) | 1.7675% | 600 |
| Pretax return on assets | 1.8433% | 849 |
| Return on Equity (ROE) | 15.3841% | 622 |
| Retained earnings to average equity (ytd only) | 7.4152% | 1,200 |
| Net charge-offs to loans | 0.1510% | 1,311 |
| Credit loss provision to net charge-offs | 122.9167% | 2,069 |
| Earnings coverage of net charge-offs (x) | 16.3208% | 2,181 |
| Efficiency ratio | 57.8000% | 3,998 |
| Assets per employee ($millions) | 6.0720% | 1,586 |
| Cash dividends to net income (ytd only)* | 51.7996% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 1,993 |
| Loan loss allowance to noncurrent loans | 153.1297% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 1,655 |
| Noncurrent loans to loans | 0.8397% | 1,833 |
| Net loans and leases to total assets | 78.7374% | 972 |
| Net loans and leases to deposits | 96.6112% | 877 |
| Net loans and leases to core deposits | 103.0039% | 1,314 |
| Total domestic deposits to total assets | 81.4992% | 3,643 |
| Equity capital to assets | 11.7275% | 2,331 |
| Core capital (leverage) ratio | 11.7425% | 1,929 |
| Tier 1 risk-based capital ratio | 14.0393% | 3,247 |
| Total risk-based capital ratio | 15.2696% | 3,173 |
| Memoranda: | ||
| Average total assets | $196,492,600 | 2,873 |
| Average earning assets | $176,339,200 | 2,923 |
| Average equity | $22,575,200 | 2,906 |
| Average total loans | $158,972,400 | 2,522 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3084% | 146 |
| Cost of funding earning assets | 1.3748% | 626 |
| Net interest margin | 4.9335% | 327 |
| Noninterest income to average assets | 0.3110% | 3,884 |
| Noninterest expense to average assets | 2.7393% | 2,755 |
| Loan and lease loss provision to assets | 0.1555% | 1,206 |
| Net operating income to assets | 1.7607% | 662 |
| Return on assets (ROA) | 1.7607% | 696 |
| Pretax return on assets | 1.8528% | 974 |
| Return on Equity (ROE) | 15.4070% | 695 |
| Retained earnings to average equity (ytd only) | 7.3515% | 1,691 |
| Net charge-offs to loans | 0.2427% | 734 |
| Credit loss provision to net charge-offs | 78.8927% | 2,517 |
| Earnings coverage of net charge-offs (x) | 10.1904% | 2,514 |
| Efficiency ratio | 57.6989% | 3,980 |
| Assets per employee ($millions) | 5.9884% | 1,616 |
| Cash dividends to net income (ytd only)* | 52.2852% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,418 |
| Loan loss allowance to noncurrent loans | 171.4412% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 1,977 |
| Noncurrent loans to loans | 0.7105% | 2,185 |
| Net loans and leases to total assets | 79.5671% | 905 |
| Net loans and leases to deposits | 97.6810% | 853 |
| Net loans and leases to core deposits | 104.2091% | 1,312 |
| Total domestic deposits to total assets | 81.4561% | 3,624 |
| Equity capital to assets | 11.6664% | 2,545 |
| Core capital (leverage) ratio | 11.9544% | 1,882 |
| Tier 1 risk-based capital ratio | 13.7786% | 3,434 |
| Total risk-based capital ratio | 14.9415% | 3,386 |
| Memoranda: | ||
| Average total assets | $195,522,000 | 2,903 |
| Average earning assets | $175,825,750 | 2,950 |
| Average equity | $22,344,250 | 2,950 |
| Average total loans | $158,759,250 | 2,548 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2883% | 150 |
| Cost of funding earning assets | 1.3963% | 545 |
| Net interest margin | 4.8920% | 352 |
| Noninterest income to average assets | 0.2864% | 4,028 |
| Noninterest expense to average assets | 2.7758% | 2,676 |
| Loan and lease loss provision to assets | 0.1643% | 1,109 |
| Net operating income to assets | 1.6754% | 759 |
| Return on assets (ROA) | 1.6754% | 791 |
| Pretax return on assets | 1.7595% | 1,150 |
| Return on Equity (ROE) | 14.7643% | 807 |
| Retained earnings to average equity (ytd only) | 6.6222% | 1,994 |
| Net charge-offs to loans | 0.3316% | 515 |
| Credit loss provision to net charge-offs | 60.8365% | 2,397 |
| Earnings coverage of net charge-offs (x) | 7.1255% | 2,515 |
| Efficiency ratio | 59.0651% | 3,849 |
| Assets per employee ($millions) | 5.7799% | 1,712 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 2,506 |
| Loan loss allowance to noncurrent loans | 242.5831% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 2,350 |
| Noncurrent loans to loans | 0.4963% | 2,793 |
| Net loans and leases to total assets | 79.2084% | 1,012 |
| Net loans and leases to deposits | 94.6215% | 1,191 |
| Net loans and leases to core deposits | 101.4237% | 1,602 |
| Total domestic deposits to total assets | 83.7108% | 2,976 |
| Equity capital to assets | 11.4764% | 2,620 |
| Core capital (leverage) ratio | 11.4332% | 2,224 |
| Tier 1 risk-based capital ratio | 13.5439% | 3,561 |
| Total risk-based capital ratio | 14.6872% | 3,515 |
| Memoranda: | ||
| Average total assets | $194,823,330 | 2,916 |
| Average earning assets | $175,755,670 | 2,963 |
| Average equity | $22,107,330 | 2,961 |
| Average total loans | $158,619,670 | 2,555 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2207% | 157 |
| Cost of funding earning assets | 1.3666% | 516 |
| Net interest margin | 4.8541% | 366 |
| Noninterest income to average assets | 0.2949% | 3,906 |
| Noninterest expense to average assets | 2.9529% | 2,125 |
| Loan and lease loss provision to assets | 0.1464% | 1,156 |
| Net operating income to assets | 1.5033% | 1,107 |
| Return on assets (ROA) | 1.5033% | 1,138 |
| Pretax return on assets | 1.5754% | 1,531 |
| Return on Equity (ROE) | 13.3245% | 1,131 |
| Retained earnings to average equity (ytd only) | 5.0995% | 2,863 |
| Net charge-offs to loans | 0.5705% | 264 |
| Credit loss provision to net charge-offs | 31.2775% | 2,081 |
| Earnings coverage of net charge-offs (x) | 3.6784% | 2,383 |
| Efficiency ratio | 63.1672% | 3,363 |
| Assets per employee ($millions) | 5.7013% | 1,793 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,673 |
| Loan loss allowance to noncurrent loans | 191.2863% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 2,130 |
| Noncurrent loans to loans | 0.6189% | 2,473 |
| Net loans and leases to total assets | 79.3958% | 922 |
| Net loans and leases to deposits | 94.6985% | 1,088 |
| Net loans and leases to core deposits | 101.5607% | 1,499 |
| Total domestic deposits to total assets | 83.8406% | 3,101 |
| Equity capital to assets | 11.3772% | 2,501 |
| Core capital (leverage) ratio | 11.4477% | 2,172 |
| Tier 1 risk-based capital ratio | 13.3435% | 3,697 |
| Total risk-based capital ratio | 14.4608% | 3,672 |
| Memoranda: | ||
| Average total assets | $193,976,500 | 2,960 |
| Average earning assets | $175,029,000 | 3,000 |
| Average equity | $21,884,500 | 2,986 |
| Average total loans | $159,152,000 | 2,566 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9315% | 185 |
| Cost of funding earning assets | 1.1359% | 442 |
| Net interest margin | 4.7957% | 402 |
| Noninterest income to average assets | 0.3295% | 3,898 |
| Noninterest expense to average assets | 2.8474% | 2,524 |
| Loan and lease loss provision to assets | 0.1942% | 977 |
| Net operating income to assets | 1.5598% | 968 |
| Return on assets (ROA) | 1.5598% | 961 |
| Pretax return on assets | 1.6155% | 1,417 |
| Return on Equity (ROE) | 14.0739% | 1,027 |
| Retained earnings to average equity (ytd only) | 7.0417% | 1,652 |
| Net charge-offs to loans | 0.2424% | 801 |
| Credit loss provision to net charge-offs | 94.8187% | 2,643 |
| Earnings coverage of net charge-offs (x) | 8.8368% | 2,861 |
| Efficiency ratio | 61.1415% | 3,671 |
| Assets per employee ($millions) | 6.0659% | 1,477 |
| Cash dividends to net income (ytd only)* | 49.9660% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,406 |
| Loan loss allowance to noncurrent loans | 212.5399% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 2,233 |
| Noncurrent loans to loans | 0.5789% | 2,552 |
| Net loans and leases to total assets | 82.7144% | 556 |
| Net loans and leases to deposits | 98.4686% | 853 |
| Net loans and leases to core deposits | 110.1464% | 988 |
| Total domestic deposits to total assets | 84.0007% | 2,997 |
| Equity capital to assets | 11.1870% | 2,526 |
| Core capital (leverage) ratio | 11.2994% | 2,268 |
| Tier 1 risk-based capital ratio | 12.6082% | 4,070 |
| Total risk-based capital ratio | 13.7680% | 3,998 |
| Memoranda: | ||
| Average total assets | $188,485,000 | 2,976 |
| Average earning assets | $170,091,400 | 3,024 |
| Average equity | $20,889,800 | 3,009 |
| Average total loans | $159,213,600 | 2,537 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8322% | 205 |
| Cost of funding earning assets | 1.0692% | 451 |
| Net interest margin | 4.7630% | 406 |
| Noninterest income to average assets | 0.3264% | 3,958 |
| Noninterest expense to average assets | 2.8358% | 2,514 |
| Loan and lease loss provision to assets | 0.1853% | 978 |
| Net operating income to assets | 1.5330% | 1,113 |
| Return on assets (ROA) | 1.5330% | 1,115 |
| Pretax return on assets | 1.6135% | 1,537 |
| Return on Equity (ROE) | 13.8658% | 1,159 |
| Retained earnings to average equity (ytd only) | 6.9748% | 2,137 |
| Net charge-offs to loans | 0.0042% | 3,305 |
| Credit loss provision to net charge-offs | 5,200.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 504.5352% | 183 |
| Efficiency ratio | 61.1871% | 3,636 |
| Assets per employee ($millions) | 5.7073% | 1,733 |
| Cash dividends to net income (ytd only)* | 49.6979% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,715 |
| Loan loss allowance to noncurrent loans | 218.1208% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 2,184 |
| Noncurrent loans to loans | 0.6402% | 2,484 |
| Net loans and leases to total assets | 85.2964% | 332 |
| Net loans and leases to deposits | 103.2117% | 589 |
| Net loans and leases to core deposits | 116.9242% | 672 |
| Total domestic deposits to total assets | 82.6421% | 3,421 |
| Equity capital to assets | 11.2854% | 2,405 |
| Core capital (leverage) ratio | 11.4185% | 2,232 |
| Tier 1 risk-based capital ratio | 12.3372% | 4,293 |
| Total risk-based capital ratio | 13.5880% | 4,183 |
| Memoranda: | ||
| Average total assets | $187,079,000 | 3,014 |
| Average earning assets | $169,216,250 | 3,056 |
| Average equity | $20,683,500 | 3,048 |
| Average total loans | $158,378,000 | 2,556 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6981% | 237 |
| Cost of funding earning assets | 1.0077% | 460 |
| Net interest margin | 4.6904% | 451 |
| Noninterest income to average assets | 0.3247% | 4,021 |
| Noninterest expense to average assets | 2.7955% | 2,669 |
| Loan and lease loss provision to assets | 0.1822% | 983 |
| Net operating income to assets | 1.5151% | 1,117 |
| Return on assets (ROA) | 1.5151% | 1,117 |
| Pretax return on assets | 1.5911% | 1,528 |
| Return on Equity (ROE) | 13.7998% | 1,130 |
| Retained earnings to average equity (ytd only) | 6.3827% | 2,368 |
| Net charge-offs to loans | -0.0076% | 4,223 |
| Credit loss provision to net charge-offs | -2,833.3333% | 4,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1867% | 3,742 |
| Assets per employee ($millions) | 5.6398% | 1,768 |
| Cash dividends to net income (ytd only)* | 53.7482% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 1,886 |
| Loan loss allowance to noncurrent loans | 266.5049% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 2,542 |
| Noncurrent loans to loans | 0.5114% | 2,884 |
| Net loans and leases to total assets | 85.4029% | 314 |
| Net loans and leases to deposits | 103.2808% | 572 |
| Net loans and leases to core deposits | 115.5829% | 723 |
| Total domestic deposits to total assets | 82.6900% | 3,499 |
| Equity capital to assets | 11.2115% | 2,446 |
| Core capital (leverage) ratio | 11.0768% | 2,456 |
| Tier 1 risk-based capital ratio | 12.2092% | 4,367 |
| Total risk-based capital ratio | 13.4595% | 4,245 |
| Memoranda: | ||
| Average total assets | $186,658,330 | 3,031 |
| Average earning assets | $168,899,670 | 3,075 |
| Average equity | $20,493,000 | 3,078 |
| Average total loans | $156,863,000 | 2,584 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4927% | 278 |
| Cost of funding earning assets | 0.9340% | 503 |
| Net interest margin | 4.5588% | 547 |
| Noninterest income to average assets | 0.3680% | 3,677 |
| Noninterest expense to average assets | 3.0278% | 1,995 |
| Loan and lease loss provision to assets | 0.1712% | 1,030 |
| Net operating income to assets | 1.2347% | 1,872 |
| Return on assets (ROA) | 1.2347% | 1,881 |
| Pretax return on assets | 1.2946% | 2,387 |
| Return on Equity (ROE) | 11.3658% | 1,824 |
| Retained earnings to average equity (ytd only) | 2.5017% | 4,166 |
| Net charge-offs to loans | -0.0052% | 4,020 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3810% | 2,936 |
| Assets per employee ($millions) | 6.1567% | 1,395 |
| Cash dividends to net income (ytd only)* | 77.9896% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,009 |
| Loan loss allowance to noncurrent loans | 271.9276% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 2,728 |
| Noncurrent loans to loans | 0.4976% | 3,028 |
| Net loans and leases to total assets | 80.2980% | 896 |
| Net loans and leases to deposits | 95.0301% | 1,129 |
| Net loans and leases to core deposits | 106.2632% | 1,217 |
| Total domestic deposits to total assets | 84.4975% | 3,117 |
| Equity capital to assets | 10.6607% | 2,908 |
| Core capital (leverage) ratio | 10.9250% | 2,516 |
| Tier 1 risk-based capital ratio | 12.3896% | 4,314 |
| Total risk-based capital ratio | 13.6402% | 4,207 |
| Memoranda: | ||
| Average total assets | $186,931,500 | 3,066 |
| Average earning assets | $169,169,000 | 3,109 |
| Average equity | $20,306,500 | 3,130 |
| Average total loans | $154,724,000 | 2,635 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5061% | 261 |
| Cost of funding earning assets | 0.7402% | 849 |
| Net interest margin | 4.7660% | 377 |
| Noninterest income to average assets | 0.3971% | 3,655 |
| Noninterest expense to average assets | 2.7568% | 2,935 |
| Loan and lease loss provision to assets | 0.1362% | 1,681 |
| Net operating income to assets | 1.7299% | 493 |
| Return on assets (ROA) | 1.7299% | 505 |
| Pretax return on assets | 1.8076% | 779 |
| Return on Equity (ROE) | 15.5056% | 544 |
| Retained earnings to average equity (ytd only) | 6.2246% | 1,424 |
| Net charge-offs to loans | 0.2284% | 1,133 |
| Credit loss provision to net charge-offs | 69.5652% | 3,092 |
| Earnings coverage of net charge-offs (x) | 9.9304% | 2,730 |
| Efficiency ratio | 58.6482% | 4,453 |
| Assets per employee ($millions) | 5.7189% | 1,735 |
| Cash dividends to net income (ytd only)* | 59.8557% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 2,165 |
| Loan loss allowance to noncurrent loans | 404.8096% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 3,214 |
| Noncurrent loans to loans | 0.3238% | 3,607 |
| Net loans and leases to total assets | 83.0965% | 544 |
| Net loans and leases to deposits | 99.1233% | 803 |
| Net loans and leases to core deposits | 109.4753% | 1,036 |
| Total domestic deposits to total assets | 83.8315% | 3,268 |
| Equity capital to assets | 11.0741% | 2,560 |
| Core capital (leverage) ratio | 11.1707% | 2,178 |
| Tier 1 risk-based capital ratio | 12.4019% | 4,264 |
| Total risk-based capital ratio | 13.6377% | 4,186 |
| Memoranda: | ||
| Average total assets | $176,258,000 | 3,165 |
| Average earning assets | $159,149,600 | 3,210 |
| Average equity | $19,663,800 | 3,181 |
| Average total loans | $151,050,800 | 2,644 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4647% | 268 |
| Cost of funding earning assets | 0.7051% | 940 |
| Net interest margin | 4.7596% | 371 |
| Noninterest income to average assets | 0.3888% | 3,763 |
| Noninterest expense to average assets | 2.7251% | 2,983 |
| Loan and lease loss provision to assets | 0.1375% | 1,559 |
| Net operating income to assets | 1.7490% | 522 |
| Return on assets (ROA) | 1.7490% | 539 |
| Pretax return on assets | 1.8261% | 837 |
| Return on Equity (ROE) | 15.6471% | 567 |
| Retained earnings to average equity (ytd only) | 6.4228% | 1,997 |
| Net charge-offs to loans | 0.2644% | 820 |
| Credit loss provision to net charge-offs | 60.4027% | 2,803 |
| Earnings coverage of net charge-offs (x) | 8.6276% | 2,758 |
| Efficiency ratio | 58.1202% | 4,486 |
| Assets per employee ($millions) | 5.5169% | 1,907 |
| Cash dividends to net income (ytd only)* | 58.9521% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,325 |
| Loan loss allowance to noncurrent loans | 180.1616% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 2,173 |
| Noncurrent loans to loans | 0.7255% | 2,543 |
| Net loans and leases to total assets | 85.8423% | 265 |
| Net loans and leases to deposits | 102.9993% | 551 |
| Net loans and leases to core deposits | 114.4253% | 814 |
| Total domestic deposits to total assets | 83.3426% | 3,346 |
| Equity capital to assets | 11.3425% | 2,531 |
| Core capital (leverage) ratio | 11.4077% | 2,091 |
| Tier 1 risk-based capital ratio | 12.1207% | 4,537 |
| Total risk-based capital ratio | 13.3387% | 4,441 |
| Memoranda: | ||
| Average total assets | $174,571,500 | 3,210 |
| Average earning assets | $157,711,500 | 3,260 |
| Average equity | $19,513,250 | 3,218 |
| Average total loans | $150,291,000 | 2,670 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 290 |
| Cost of funding earning assets | 0.6692% | 1,046 |
| Net interest margin | 4.7019% | 393 |
| Noninterest income to average assets | 0.3484% | 4,061 |
| Noninterest expense to average assets | 2.6611% | 3,232 |
| Loan and lease loss provision to assets | 0.1380% | 1,498 |
| Net operating income to assets | 1.7284% | 528 |
| Return on assets (ROA) | 1.7284% | 537 |
| Pretax return on assets | 1.7997% | 838 |
| Return on Equity (ROE) | 15.5405% | 593 |
| Retained earnings to average equity (ytd only) | 6.2348% | 2,000 |
| Net charge-offs to loans | 0.3941% | 520 |
| Credit loss provision to net charge-offs | 40.8163% | 2,642 |
| Earnings coverage of net charge-offs (x) | 5.7313% | 2,790 |
| Efficiency ratio | 57.8645% | 4,610 |
| Assets per employee ($millions) | 5.9050% | 1,526 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 2,432 |
| Loan loss allowance to noncurrent loans | 172.1977% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 2,212 |
| Noncurrent loans to loans | 0.7525% | 2,511 |
| Net loans and leases to total assets | 83.8938% | 458 |
| Net loans and leases to deposits | 100.3003% | 714 |
| Net loans and leases to core deposits | 110.7091% | 968 |
| Total domestic deposits to total assets | 83.6426% | 3,343 |
| Equity capital to assets | 11.1166% | 2,688 |
| Core capital (leverage) ratio | 11.1031% | 2,311 |
| Tier 1 risk-based capital ratio | 12.1973% | 4,492 |
| Total risk-based capital ratio | 13.4093% | 4,401 |
| Memoranda: | ||
| Average total assets | $173,915,330 | 3,240 |
| Average earning assets | $157,213,000 | 3,280 |
| Average equity | $19,343,000 | 3,236 |
| Average total loans | $149,203,670 | 2,686 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3767% | 282 |
| Cost of funding earning assets | 0.6145% | 1,272 |
| Net interest margin | 4.7621% | 331 |
| Noninterest income to average assets | 0.3668% | 3,910 |
| Noninterest expense to average assets | 2.7719% | 2,884 |
| Loan and lease loss provision to assets | 0.1393% | 1,361 |
| Net operating income to assets | 1.7110% | 536 |
| Return on assets (ROA) | 1.7110% | 545 |
| Pretax return on assets | 1.7551% | 893 |
| Return on Equity (ROE) | 15.3798% | 604 |
| Retained earnings to average equity (ytd only) | 5.9891% | 2,342 |
| Net charge-offs to loans | 0.0539% | 1,799 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 40.8000% | 1,029 |
| Efficiency ratio | 59.4030% | 4,545 |
| Assets per employee ($millions) | 5.8099% | 1,647 |
| Cash dividends to net income (ytd only)* | 61.0583% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,845 |
| Loan loss allowance to noncurrent loans | 135.9925% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 1,635 |
| Noncurrent loans to loans | 1.0707% | 1,914 |
| Net loans and leases to total assets | 84.0633% | 362 |
| Net loans and leases to deposits | 100.4862% | 590 |
| Net loans and leases to core deposits | 105.7204% | 1,120 |
| Total domestic deposits to total assets | 83.6565% | 3,601 |
| Equity capital to assets | 11.0938% | 2,540 |
| Core capital (leverage) ratio | 11.3204% | 2,090 |
| Tier 1 risk-based capital ratio | 12.2544% | 4,541 |
| Total risk-based capital ratio | 13.5059% | 4,442 |
| Memoranda: | ||
| Average total assets | $172,298,500 | 3,291 |
| Average earning assets | $155,561,500 | 3,329 |
| Average equity | $19,168,000 | 3,271 |
| Average total loans | $148,521,500 | 2,715 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1889% | 422 |
| Cost of funding earning assets | 0.5276% | 1,886 |
| Net interest margin | 4.6614% | 448 |
| Noninterest income to average assets | 0.4214% | 3,733 |
| Noninterest expense to average assets | 2.5349% | 3,900 |
| Loan and lease loss provision to assets | 0.1392% | 1,792 |
| Net operating income to assets | 1.9191% | 369 |
| Return on assets (ROA) | 1.9191% | 383 |
| Pretax return on assets | 2.0068% | 497 |
| Return on Equity (ROE) | 17.0819% | 396 |
| Retained earnings to average equity (ytd only) | 8.2107% | 784 |
| Net charge-offs to loans | 0.0519% | 3,002 |
| Credit loss provision to net charge-offs | 315.2778% | 943 |
| Earnings coverage of net charge-offs (x) | 48.5972% | 1,028 |
| Efficiency ratio | 54.1536% | 5,231 |
| Assets per employee ($millions) | 5.8724% | 1,565 |
| Cash dividends to net income (ytd only)* | 51.9335% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,949 |
| Loan loss allowance to noncurrent loans | 170.5457% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 2,077 |
| Noncurrent loans to loans | 0.8399% | 2,424 |
| Net loans and leases to total assets | 85.8680% | 239 |
| Net loans and leases to deposits | 102.9556% | 469 |
| Net loans and leases to core deposits | 108.4709% | 995 |
| Total domestic deposits to total assets | 83.4029% | 3,626 |
| Equity capital to assets | 11.1567% | 2,472 |
| Core capital (leverage) ratio | 11.1073% | 2,251 |
| Tier 1 risk-based capital ratio | 12.1368% | 4,634 |
| Total risk-based capital ratio | 13.3880% | 4,507 |
| Memoranda: | ||
| Average total assets | $163,042,600 | 3,363 |
| Average earning assets | $148,990,600 | 3,383 |
| Average equity | $18,317,600 | 3,369 |
| Average total loans | $138,646,000 | 2,797 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1056% | 494 |
| Cost of funding earning assets | 0.5135% | 1,989 |
| Net interest margin | 4.5921% | 515 |
| Noninterest income to average assets | 0.4168% | 3,804 |
| Noninterest expense to average assets | 2.5148% | 3,944 |
| Loan and lease loss provision to assets | 0.1364% | 1,721 |
| Net operating income to assets | 1.8946% | 405 |
| Return on assets (ROA) | 1.8946% | 427 |
| Pretax return on assets | 1.9731% | 611 |
| Return on Equity (ROE) | 16.8325% | 458 |
| Retained earnings to average equity (ytd only) | 8.0158% | 1,168 |
| Net charge-offs to loans | 0.0695% | 2,324 |
| Credit loss provision to net charge-offs | 232.3944% | 1,267 |
| Earnings coverage of net charge-offs (x) | 35.9312% | 1,322 |
| Efficiency ratio | 54.3813% | 5,211 |
| Assets per employee ($millions) | 6.4588% | 1,134 |
| Cash dividends to net income (ytd only)* | 52.3789% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 2,180 |
| Loan loss allowance to noncurrent loans | 174.1772% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 2,353 |
| Noncurrent loans to loans | 0.8064% | 2,651 |
| Net loans and leases to total assets | 86.2799% | 237 |
| Net loans and leases to deposits | 103.5291% | 482 |
| Net loans and leases to core deposits | 109.8609% | 926 |
| Total domestic deposits to total assets | 83.3388% | 3,468 |
| Equity capital to assets | 11.1511% | 2,853 |
| Core capital (leverage) ratio | 11.4049% | 2,109 |
| Tier 1 risk-based capital ratio | 12.0440% | 4,763 |
| Total risk-based capital ratio | 13.2950% | 4,664 |
| Memoranda: | ||
| Average total assets | $161,228,000 | 3,403 |
| Average earning assets | $147,729,750 | 3,415 |
| Average equity | $18,147,000 | 3,405 |
| Average total loans | $136,217,750 | 2,833 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 568 |
| Cost of funding earning assets | 0.5103% | 2,026 |
| Net interest margin | 4.5104% | 607 |
| Noninterest income to average assets | 0.4453% | 3,556 |
| Noninterest expense to average assets | 2.5296% | 3,950 |
| Loan and lease loss provision to assets | 0.1321% | 1,732 |
| Net operating income to assets | 1.8617% | 427 |
| Return on assets (ROA) | 1.8617% | 452 |
| Pretax return on assets | 1.9309% | 656 |
| Return on Equity (ROE) | 16.4866% | 485 |
| Retained earnings to average equity (ytd only) | 7.5749% | 1,350 |
| Net charge-offs to loans | 0.1071% | 1,753 |
| Credit loss provision to net charge-offs | 147.8873% | 1,607 |
| Earnings coverage of net charge-offs (x) | 23.0986% | 1,602 |
| Efficiency ratio | 55.0808% | 5,233 |
| Assets per employee ($millions) | 6.1597% | 1,296 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 2,097 |
| Loan loss allowance to noncurrent loans | 187.4649% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 2,448 |
| Noncurrent loans to loans | 0.7695% | 2,824 |
| Net loans and leases to total assets | 85.4870% | 288 |
| Net loans and leases to deposits | 100.2093% | 681 |
| Net loans and leases to core deposits | 106.4901% | 1,143 |
| Total domestic deposits to total assets | 85.3084% | 2,733 |
| Equity capital to assets | 11.4522% | 2,597 |
| Core capital (leverage) ratio | 11.1301% | 2,298 |
| Tier 1 risk-based capital ratio | 12.4887% | 4,536 |
| Total risk-based capital ratio | 13.7404% | 4,441 |
| Memoranda: | ||
| Average total assets | $158,994,330 | 3,443 |
| Average earning assets | $146,194,000 | 3,452 |
| Average equity | $17,954,000 | 3,443 |
| Average total loans | $132,639,330 | 2,893 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 699 |
| Cost of funding earning assets | 0.5043% | 2,070 |
| Net interest margin | 4.3905% | 753 |
| Noninterest income to average assets | 0.5277% | 2,949 |
| Noninterest expense to average assets | 2.7220% | 3,343 |
| Loan and lease loss provision to assets | 0.1136% | 1,843 |
| Net operating income to assets | 1.7019% | 575 |
| Return on assets (ROA) | 1.7019% | 614 |
| Pretax return on assets | 1.7372% | 973 |
| Return on Equity (ROE) | 15.1798% | 642 |
| Retained earnings to average equity (ytd only) | 6.1710% | 2,298 |
| Net charge-offs to loans | 0.0093% | 2,818 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 244.3333% | 255 |
| Efficiency ratio | 59.5251% | 4,809 |
| Assets per employee ($millions) | 6.2698% | 1,238 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 1,844 |
| Loan loss allowance to noncurrent loans | 150.5988% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 2,199 |
| Noncurrent loans to loans | 1.0199% | 2,347 |
| Net loans and leases to total assets | 79.1240% | 932 |
| Net loans and leases to deposits | 93.4877% | 1,196 |
| Net loans and leases to core deposits | 99.4794% | 1,522 |
| Total domestic deposits to total assets | 84.6358% | 3,262 |
| Equity capital to assets | 10.9824% | 2,963 |
| Core capital (leverage) ratio | 11.3582% | 2,087 |
| Tier 1 risk-based capital ratio | 12.9974% | 4,272 |
| Total risk-based capital ratio | 14.2502% | 4,182 |
| Memoranda: | ||
| Average total assets | $158,415,000 | 3,468 |
| Average earning assets | $145,952,500 | 3,478 |
| Average equity | $17,760,500 | 3,466 |
| Average total loans | $129,502,000 | 2,942 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 583 |
| Cost of funding earning assets | 0.5313% | 1,915 |
| Net interest margin | 4.5031% | 647 |
| Noninterest income to average assets | 1.1367% | 915 |
| Noninterest expense to average assets | 2.5302% | 4,130 |
| Loan and lease loss provision to assets | 0.3295% | 485 |
| Net operating income to assets | 2.2579% | 223 |
| Return on assets (ROA) | 2.2495% | 234 |
| Pretax return on assets | 2.3579% | 270 |
| Return on Equity (ROE) | 19.6477% | 264 |
| Retained earnings to average equity (ytd only) | 9.4551% | 543 |
| Net charge-offs to loans | 0.1163% | 2,213 |
| Credit loss provision to net charge-offs | 342.8571% | 869 |
| Earnings coverage of net charge-offs (x) | 28.0571% | 1,523 |
| Efficiency ratio | 48.4108% | 5,826 |
| Assets per employee ($millions) | 5.6969% | 1,619 |
| Cash dividends to net income (ytd only)* | 51.8767% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,830 |
| Loan loss allowance to noncurrent loans | 292.7192% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 3,164 |
| Noncurrent loans to loans | 0.5257% | 3,587 |
| Net loans and leases to total assets | 81.9413% | 602 |
| Net loans and leases to deposits | 97.6796% | 845 |
| Net loans and leases to core deposits | 102.2861% | 1,342 |
| Total domestic deposits to total assets | 83.8878% | 3,526 |
| Equity capital to assets | 11.4540% | 2,396 |
| Core capital (leverage) ratio | 11.5524% | 1,919 |
| Tier 1 risk-based capital ratio | 12.9730% | 4,340 |
| Total risk-based capital ratio | 14.2255% | 4,245 |
| Memoranda: | ||
| Average total assets | $145,679,800 | 3,634 |
| Average earning assets | $132,308,600 | 3,654 |
| Average equity | $16,678,800 | 3,571 |
| Average total loans | $120,362,400 | 3,044 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 576 |
| Cost of funding earning assets | 0.5326% | 1,948 |
| Net interest margin | 4.5012% | 646 |
| Noninterest income to average assets | 0.8744% | 1,529 |
| Noninterest expense to average assets | 2.8634% | 2,964 |
| Loan and lease loss provision to assets | 0.1253% | 1,807 |
| Net operating income to assets | 1.8856% | 440 |
| Return on assets (ROA) | 1.8740% | 465 |
| Pretax return on assets | 1.9529% | 661 |
| Return on Equity (ROE) | 16.3703% | 548 |
| Retained earnings to average equity (ytd only) | 7.4514% | 1,478 |
| Net charge-offs to loans | -0.0023% | 4,714 |
| Credit loss provision to net charge-offs | -6,750.0000% | 5,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8040% | 5,146 |
| Assets per employee ($millions) | 4.4932% | 3,020 |
| Cash dividends to net income (ytd only)* | 54.4825% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 2,554 |
| Loan loss allowance to noncurrent loans | 206.6667% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 2,942 |
| Noncurrent loans to loans | 0.6814% | 3,279 |
| Net loans and leases to total assets | 83.4369% | 428 |
| Net loans and leases to deposits | 99.7066% | 678 |
| Net loans and leases to core deposits | 103.9456% | 1,233 |
| Total domestic deposits to total assets | 83.6823% | 3,544 |
| Equity capital to assets | 11.4207% | 2,563 |
| Core capital (leverage) ratio | 11.6806% | 1,901 |
| Tier 1 risk-based capital ratio | 12.7370% | 4,587 |
| Total risk-based capital ratio | 13.9884% | 4,493 |
| Memoranda: | ||
| Average total assets | $143,646,000 | 3,694 |
| Average earning assets | $130,184,750 | 3,725 |
| Average equity | $16,444,000 | 3,634 |
| Average total loans | $118,451,000 | 3,099 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 596 |
| Cost of funding earning assets | 0.5338% | 1,953 |
| Net interest margin | 4.4663% | 674 |
| Noninterest income to average assets | 0.8459% | 1,620 |
| Noninterest expense to average assets | 2.9528% | 2,708 |
| Loan and lease loss provision to assets | 0.1267% | 1,750 |
| Net operating income to assets | 1.7494% | 571 |
| Return on assets (ROA) | 1.7494% | 599 |
| Pretax return on assets | 1.8170% | 864 |
| Return on Equity (ROE) | 15.2696% | 700 |
| Retained earnings to average equity (ytd only) | 6.6705% | 1,864 |
| Net charge-offs to loans | -0.0052% | 4,749 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3047% | 4,939 |
| Assets per employee ($millions) | 4.4458% | 3,071 |
| Cash dividends to net income (ytd only)* | 56.3154% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 2,588 |
| Loan loss allowance to noncurrent loans | 192.2991% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 2,790 |
| Noncurrent loans to loans | 0.7459% | 3,248 |
| Net loans and leases to total assets | 83.2250% | 446 |
| Net loans and leases to deposits | 98.1937% | 777 |
| Net loans and leases to core deposits | 102.4913% | 1,295 |
| Total domestic deposits to total assets | 84.7559% | 3,236 |
| Equity capital to assets | 11.5953% | 2,334 |
| Core capital (leverage) ratio | 11.4825% | 2,007 |
| Tier 1 risk-based capital ratio | 12.9101% | 4,570 |
| Total risk-based capital ratio | 14.1612% | 4,485 |
| Memoranda: | ||
| Average total assets | $142,103,000 | 3,753 |
| Average earning assets | $128,876,330 | 3,776 |
| Average equity | $16,280,670 | 3,677 |
| Average total loans | $116,107,000 | 3,152 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 726 |
| Cost of funding earning assets | 0.5287% | 2,021 |
| Net interest margin | 4.3540% | 794 |
| Noninterest income to average assets | 0.8168% | 1,651 |
| Noninterest expense to average assets | 3.0249% | 2,499 |
| Loan and lease loss provision to assets | 0.1267% | 1,636 |
| Net operating income to assets | 1.5688% | 752 |
| Return on assets (ROA) | 1.5688% | 787 |
| Pretax return on assets | 1.6082% | 1,251 |
| Return on Equity (ROE) | 13.7760% | 918 |
| Retained earnings to average equity (ytd only) | 5.1196% | 2,989 |
| Net charge-offs to loans | -0.0035% | 4,423 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5503% | 4,547 |
| Assets per employee ($millions) | 4.4975% | 3,060 |
| Cash dividends to net income (ytd only)* | 62.8366% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 2,711 |
| Loan loss allowance to noncurrent loans | 436.4583% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 3,971 |
| Noncurrent loans to loans | 0.3310% | 4,607 |
| Net loans and leases to total assets | 79.4476% | 745 |
| Net loans and leases to deposits | 93.3297% | 1,052 |
| Net loans and leases to core deposits | 97.5997% | 1,511 |
| Total domestic deposits to total assets | 85.1258% | 3,344 |
| Equity capital to assets | 11.3362% | 2,612 |
| Core capital (leverage) ratio | 11.6394% | 1,897 |
| Tier 1 risk-based capital ratio | 13.3292% | 4,411 |
| Total risk-based capital ratio | 14.5810% | 4,326 |
| Memoranda: | ||
| Average total assets | $142,022,000 | 3,776 |
| Average earning assets | $128,617,000 | 3,817 |
| Average equity | $16,173,000 | 3,718 |
| Average total loans | $114,099,000 | 3,198 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 619 |
| Cost of funding earning assets | 0.5439% | 2,258 |
| Net interest margin | 4.5639% | 665 |
| Noninterest income to average assets | 0.9762% | 1,266 |
| Noninterest expense to average assets | 3.1327% | 2,409 |
| Loan and lease loss provision to assets | 0.2543% | 886 |
| Net operating income to assets | 1.6509% | 638 |
| Return on assets (ROA) | 1.6509% | 665 |
| Pretax return on assets | 1.7171% | 951 |
| Return on Equity (ROE) | 14.0507% | 926 |
| Retained earnings to average equity (ytd only) | 6.9865% | 1,416 |
| Net charge-offs to loans | 0.4434% | 948 |
| Credit loss provision to net charge-offs | 69.0083% | 3,100 |
| Earnings coverage of net charge-offs (x) | 5.3492% | 3,443 |
| Efficiency ratio | 61.3755% | 5,010 |
| Assets per employee ($millions) | 4.3789% | 3,223 |
| Cash dividends to net income (ytd only)* | 50.2768% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 2,680 |
| Loan loss allowance to noncurrent loans | 259.5541% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 4,107 |
| Noncurrent loans to loans | 0.5598% | 3,988 |
| Net loans and leases to total assets | 78.8951% | 893 |
| Net loans and leases to deposits | 92.8969% | 1,196 |
| Net loans and leases to core deposits | 97.0648% | 1,630 |
| Total domestic deposits to total assets | 84.9276% | 3,315 |
| Equity capital to assets | 11.4406% | 2,482 |
| Core capital (leverage) ratio | 11.6018% | 1,897 |
| Tier 1 risk-based capital ratio | 13.5719% | 4,372 |
| Total risk-based capital ratio | 14.8239% | 4,302 |
| Memoranda: | ||
| Average total assets | $131,323,600 | 3,949 |
| Average earning assets | $118,779,600 | 3,994 |
| Average equity | $15,429,800 | 3,759 |
| Average total loans | $109,149,000 | 3,239 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 594 |
| Cost of funding earning assets | 0.5447% | 2,340 |
| Net interest margin | 4.5940% | 623 |
| Noninterest income to average assets | 1.0130% | 1,193 |
| Noninterest expense to average assets | 3.1876% | 2,215 |
| Loan and lease loss provision to assets | 0.2478% | 878 |
| Net operating income to assets | 1.6697% | 654 |
| Return on assets (ROA) | 1.6697% | 680 |
| Pretax return on assets | 1.7316% | 1,015 |
| Return on Equity (ROE) | 14.1101% | 964 |
| Retained earnings to average equity (ytd only) | 8.0629% | 1,327 |
| Net charge-offs to loans | 0.5474% | 697 |
| Credit loss provision to net charge-offs | 53.9326% | 3,045 |
| Earnings coverage of net charge-offs (x) | 4.3079% | 3,488 |
| Efficiency ratio | 61.6906% | 4,934 |
| Assets per employee ($millions) | 4.0490% | 3,779 |
| Cash dividends to net income (ytd only)* | 42.8572% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 3,149 |
| Loan loss allowance to noncurrent loans | 172.3195% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 3,323 |
| Noncurrent loans to loans | 0.8149% | 3,539 |
| Net loans and leases to total assets | 82.7604% | 434 |
| Net loans and leases to deposits | 98.2375% | 722 |
| Net loans and leases to core deposits | 103.6159% | 1,119 |
| Total domestic deposits to total assets | 84.2453% | 3,664 |
| Equity capital to assets | 11.8802% | 2,172 |
| Core capital (leverage) ratio | 12.0279% | 1,690 |
| Tier 1 risk-based capital ratio | 13.4287% | 4,590 |
| Total risk-based capital ratio | 14.6795% | 4,528 |
| Memoranda: | ||
| Average total assets | $129,123,500 | 4,026 |
| Average earning assets | $116,757,750 | 4,065 |
| Average equity | $15,279,500 | 3,808 |
| Average total loans | $108,391,000 | 3,273 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1199% | 592 |
| Cost of funding earning assets | 0.5442% | 2,394 |
| Net interest margin | 4.5757% | 609 |
| Noninterest income to average assets | 1.0327% | 1,116 |
| Noninterest expense to average assets | 3.3128% | 1,889 |
| Loan and lease loss provision to assets | 0.2351% | 965 |
| Net operating income to assets | 1.5718% | 757 |
| Return on assets (ROA) | 1.5718% | 788 |
| Pretax return on assets | 1.6219% | 1,194 |
| Return on Equity (ROE) | 13.3012% | 1,098 |
| Retained earnings to average equity (ytd only) | 7.2010% | 1,668 |
| Net charge-offs to loans | 0.8401% | 446 |
| Credit loss provision to net charge-offs | 33.3333% | 3,009 |
| Earnings coverage of net charge-offs (x) | 2.6333% | 3,509 |
| Efficiency ratio | 64.0800% | 4,676 |
| Assets per employee ($millions) | 3.8376% | 4,182 |
| Cash dividends to net income (ytd only)* | 45.8624% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 3,644 |
| Loan loss allowance to noncurrent loans | 150.8665% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 3,267 |
| Noncurrent loans to loans | 0.8882% | 3,481 |
| Net loans and leases to total assets | 83.5191% | 336 |
| Net loans and leases to deposits | 98.7012% | 620 |
| Net loans and leases to core deposits | 104.4743% | 987 |
| Total domestic deposits to total assets | 84.6181% | 3,676 |
| Equity capital to assets | 11.8464% | 2,107 |
| Core capital (leverage) ratio | 12.0153% | 1,641 |
| Tier 1 risk-based capital ratio | 13.2899% | 4,728 |
| Total risk-based capital ratio | 14.5404% | 4,667 |
| Memoranda: | ||
| Average total assets | $127,625,670 | 4,081 |
| Average earning assets | $115,393,330 | 4,118 |
| Average equity | $15,081,330 | 3,841 |
| Average total loans | $107,135,670 | 3,305 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 560 |
| Cost of funding earning assets | 0.5402% | 2,500 |
| Net interest margin | 4.5920% | 562 |
| Noninterest income to average assets | 1.1284% | 872 |
| Noninterest expense to average assets | 3.1759% | 2,307 |
| Loan and lease loss provision to assets | 0.1902% | 1,248 |
| Net operating income to assets | 1.8796% | 415 |
| Return on assets (ROA) | 1.8796% | 436 |
| Pretax return on assets | 1.9113% | 636 |
| Return on Equity (ROE) | 15.9264% | 646 |
| Retained earnings to average equity (ytd only) | 9.7761% | 1,022 |
| Net charge-offs to loans | -0.0152% | 5,211 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1802% | 5,380 |
| Assets per employee ($millions) | 3.7506% | 4,419 |
| Cash dividends to net income (ytd only)* | 38.6172% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 2,196 |
| Loan loss allowance to noncurrent loans | 1,773.0769% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 5,464 |
| Noncurrent loans to loans | 0.0988% | 5,830 |
| Net loans and leases to total assets | 81.1372% | 444 |
| Net loans and leases to deposits | 94.6200% | 738 |
| Net loans and leases to core deposits | 100.2092% | 1,091 |
| Total domestic deposits to total assets | 85.7506% | 3,495 |
| Equity capital to assets | 11.8733% | 1,957 |
| Core capital (leverage) ratio | 12.2402% | 1,513 |
| Tier 1 risk-based capital ratio | 13.7735% | 4,486 |
| Total risk-based capital ratio | 15.0286% | 4,441 |
| Memoranda: | ||
| Average total assets | $126,199,500 | 4,137 |
| Average earning assets | $114,023,500 | 4,178 |
| Average equity | $14,893,500 | 3,880 |
| Average total loans | $105,476,500 | 3,359 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 581 |
| Cost of funding earning assets | 0.6169% | 2,512 |
| Net interest margin | 4.6288% | 575 |
| Noninterest income to average assets | 1.0247% | 1,335 |
| Noninterest expense to average assets | 3.1730% | 2,501 |
| Loan and lease loss provision to assets | 0.2132% | 1,719 |
| Net operating income to assets | 1.7571% | 524 |
| Return on assets (ROA) | 1.7657% | 535 |
| Pretax return on assets | 1.8321% | 696 |
| Return on Equity (ROE) | 15.0554% | 750 |
| Retained earnings to average equity (ytd only) | 4.1613% | 3,210 |
| Net charge-offs to loans | 0.0419% | 4,632 |
| Credit loss provision to net charge-offs | 611.6279% | 383 |
| Earnings coverage of net charge-offs (x) | 58.4186% | 701 |
| Efficiency ratio | 60.9088% | 5,365 |
| Assets per employee ($millions) | 3.6729% | 4,544 |
| Cash dividends to net income (ytd only)* | 72.3600% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 2,446 |
| Loan loss allowance to noncurrent loans | 278.5603% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 4,217 |
| Noncurrent loans to loans | 0.6049% | 4,467 |
| Net loans and leases to total assets | 83.1708% | 314 |
| Net loans and leases to deposits | 99.7848% | 489 |
| Net loans and leases to core deposits | 106.3724% | 774 |
| Total domestic deposits to total assets | 83.3501% | 4,411 |
| Equity capital to assets | 11.7282% | 2,008 |
| Core capital (leverage) ratio | 11.8488% | 1,717 |
| Tier 1 risk-based capital ratio | 13.4272% | 4,701 |
| Total risk-based capital ratio | 14.6815% | 4,641 |
| Memoranda: | ||
| Average total assets | $123,352,400 | 4,208 |
| Average earning assets | $111,519,400 | 4,230 |
| Average equity | $14,466,600 | 3,974 |
| Average total loans | $102,634,200 | 3,387 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 625 |
| Cost of funding earning assets | 0.6290% | 2,559 |
| Net interest margin | 4.5851% | 634 |
| Noninterest income to average assets | 1.0528% | 1,317 |
| Noninterest expense to average assets | 3.1703% | 2,447 |
| Loan and lease loss provision to assets | 0.1952% | 1,865 |
| Net operating income to assets | 1.7741% | 551 |
| Return on assets (ROA) | 1.7836% | 565 |
| Pretax return on assets | 1.8465% | 813 |
| Return on Equity (ROE) | 15.2081% | 769 |
| Retained earnings to average equity (ytd only) | 5.4084% | 2,793 |
| Net charge-offs to loans | 0.0563% | 4,102 |
| Credit loss provision to net charge-offs | 418.6047% | 637 |
| Earnings coverage of net charge-offs (x) | 43.5828% | 951 |
| Efficiency ratio | 60.9421% | 5,291 |
| Assets per employee ($millions) | 3.7392% | 4,371 |
| Cash dividends to net income (ytd only)* | 64.4377% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 3,045 |
| Loan loss allowance to noncurrent loans | 527.0186% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 5,176 |
| Noncurrent loans to loans | 0.3017% | 5,477 |
| Net loans and leases to total assets | 82.6088% | 322 |
| Net loans and leases to deposits | 104.2753% | 284 |
| Net loans and leases to core deposits | 110.7475% | 552 |
| Total domestic deposits to total assets | 79.2218% | 5,694 |
| Equity capital to assets | 11.5462% | 2,269 |
| Core capital (leverage) ratio | 11.9979% | 1,672 |
| Tier 1 risk-based capital ratio | 13.1884% | 4,987 |
| Total risk-based capital ratio | 14.4414% | 4,931 |
| Memoranda: | ||
| Average total assets | $122,971,000 | 4,250 |
| Average earning assets | $111,286,250 | 4,277 |
| Average equity | $14,421,750 | 4,034 |
| Average total loans | $101,882,250 | 3,428 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 644 |
| Cost of funding earning assets | 0.6415% | 2,579 |
| Net interest margin | 4.5518% | 647 |
| Noninterest income to average assets | 1.0955% | 1,266 |
| Noninterest expense to average assets | 3.2636% | 2,175 |
| Loan and lease loss provision to assets | 0.1974% | 1,924 |
| Net operating income to assets | 1.7211% | 600 |
| Return on assets (ROA) | 1.7354% | 639 |
| Pretax return on assets | 1.7815% | 967 |
| Return on Equity (ROE) | 14.7182% | 862 |
| Retained earnings to average equity (ytd only) | 3.1390% | 4,326 |
| Net charge-offs to loans | 0.0858% | 3,506 |
| Credit loss provision to net charge-offs | 279.0698% | 916 |
| Earnings coverage of net charge-offs (x) | 27.7674% | 1,208 |
| Efficiency ratio | 62.4292% | 5,106 |
| Assets per employee ($millions) | 3.7502% | 4,302 |
| Cash dividends to net income (ytd only)* | 78.6730% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 3,385 |
| Loan loss allowance to noncurrent loans | 790.8213% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 5,469 |
| Noncurrent loans to loans | 0.1954% | 5,822 |
| Net loans and leases to total assets | 84.2665% | 221 |
| Net loans and leases to deposits | 100.6457% | 390 |
| Net loans and leases to core deposits | 106.6986% | 706 |
| Total domestic deposits to total assets | 83.7259% | 4,443 |
| Equity capital to assets | 11.4807% | 2,313 |
| Core capital (leverage) ratio | 11.9376% | 1,647 |
| Tier 1 risk-based capital ratio | 13.0219% | 5,130 |
| Total risk-based capital ratio | 14.2744% | 5,067 |
| Memoranda: | ||
| Average total assets | $121,583,670 | 4,310 |
| Average earning assets | $110,374,000 | 4,329 |
| Average equity | $14,336,000 | 4,085 |
| Average total loans | $100,269,670 | 3,485 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1099% | 731 |
| Cost of funding earning assets | 0.6662% | 2,516 |
| Net interest margin | 4.4437% | 745 |
| Noninterest income to average assets | 1.2415% | 993 |
| Noninterest expense to average assets | 3.4291% | 1,768 |
| Loan and lease loss provision to assets | 0.1992% | 1,867 |
| Net operating income to assets | 1.6365% | 665 |
| Return on assets (ROA) | 1.6664% | 694 |
| Pretax return on assets | 1.6731% | 1,148 |
| Return on Equity (ROE) | 13.9444% | 974 |
| Retained earnings to average equity (ytd only) | -2.7222% | 6,162 |
| Net charge-offs to loans | 0.1683% | 2,395 |
| Credit loss provision to net charge-offs | 146.3415% | 1,391 |
| Earnings coverage of net charge-offs (x) | 13.5366% | 1,524 |
| Efficiency ratio | 65.0504% | 4,815 |
| Assets per employee ($millions) | 3.7461% | 4,457 |
| Cash dividends to net income (ytd only)* | 119.5219% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 3,359 |
| Loan loss allowance to noncurrent loans | 526.3333% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 5,316 |
| Noncurrent loans to loans | 0.3061% | 5,635 |
| Net loans and leases to total assets | 80.4505% | 390 |
| Net loans and leases to deposits | 92.2747% | 778 |
| Net loans and leases to core deposits | 97.7766% | 1,094 |
| Total domestic deposits to total assets | 87.1858% | 2,844 |
| Equity capital to assets | 11.9466% | 2,074 |
| Core capital (leverage) ratio | 11.9339% | 1,607 |
| Tier 1 risk-based capital ratio | 13.7045% | 4,717 |
| Total risk-based capital ratio | 14.9579% | 4,681 |
| Memoranda: | ||
| Average total assets | $120,498,000 | 4,388 |
| Average earning assets | $109,278,000 | 4,390 |
| Average equity | $14,400,000 | 4,115 |
| Average total loans | $97,444,000 | 3,574 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5009% | 623 |
| Cost of funding earning assets | 0.8843% | 2,041 |
| Net interest margin | 4.6166% | 759 |
| Noninterest income to average assets | 1.0068% | 1,517 |
| Noninterest expense to average assets | 3.3162% | 2,287 |
| Loan and lease loss provision to assets | 0.2072% | 3,071 |
| Net operating income to assets | 1.5787% | 786 |
| Return on assets (ROA) | 1.7454% | 625 |
| Pretax return on assets | 1.8228% | 880 |
| Return on Equity (ROE) | 14.5835% | 892 |
| Retained earnings to average equity (ytd only) | 8.2688% | 1,043 |
| Net charge-offs to loans | 0.0601% | 5,093 |
| Credit loss provision to net charge-offs | 430.3571% | 558 |
| Earnings coverage of net charge-offs (x) | 38.5536% | 832 |
| Efficiency ratio | 64.1124% | 4,862 |
| Assets per employee ($millions) | 3.5624% | 4,874 |
| Cash dividends to net income (ytd only)* | 43.3005% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 3,263 |
| Loan loss allowance to noncurrent loans | 414.8936% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 5,244 |
| Noncurrent loans to loans | 0.3882% | 5,519 |
| Net loans and leases to total assets | 78.6891% | 599 |
| Net loans and leases to deposits | 90.3035% | 1,052 |
| Net loans and leases to core deposits | 95.9615% | 1,306 |
| Total domestic deposits to total assets | 87.1385% | 2,753 |
| Equity capital to assets | 11.9542% | 2,071 |
| Core capital (leverage) ratio | 12.0693% | 1,530 |
| Tier 1 risk-based capital ratio | 13.9201% | 4,429 |
| Total risk-based capital ratio | 15.1739% | 4,402 |
| Memoranda: | ||
| Average total assets | $116,306,200 | 4,433 |
| Average earning assets | $104,946,800 | 4,471 |
| Average equity | $13,919,800 | 4,175 |
| Average total loans | $93,195,600 | 3,671 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 579 |
| Cost of funding earning assets | 0.9196% | 2,050 |
| Net interest margin | 4.6560% | 735 |
| Noninterest income to average assets | 1.0298% | 1,425 |
| Noninterest expense to average assets | 3.3060% | 2,257 |
| Loan and lease loss provision to assets | 0.2085% | 2,987 |
| Net operating income to assets | 1.6438% | 772 |
| Return on assets (ROA) | 1.8684% | 568 |
| Pretax return on assets | 1.9484% | 780 |
| Return on Equity (ROE) | 15.6067% | 798 |
| Retained earnings to average equity (ytd only) | 9.5208% | 1,058 |
| Net charge-offs to loans | 0.0694% | 4,720 |
| Credit loss provision to net charge-offs | 375.0000% | 720 |
| Earnings coverage of net charge-offs (x) | 34.5825% | 978 |
| Efficiency ratio | 63.2255% | 4,940 |
| Assets per employee ($millions) | 3.3524% | 5,318 |
| Cash dividends to net income (ytd only)* | 38.9959% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 3,653 |
| Loan loss allowance to noncurrent loans | 247.0492% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 4,686 |
| Noncurrent loans to loans | 0.6352% | 5,173 |
| Net loans and leases to total assets | 82.9349% | 281 |
| Net loans and leases to deposits | 96.0554% | 657 |
| Net loans and leases to core deposits | 103.0378% | 932 |
| Total domestic deposits to total assets | 86.3407% | 3,064 |
| Equity capital to assets | 12.5749% | 1,838 |
| Core capital (leverage) ratio | 12.3041% | 1,493 |
| Tier 1 risk-based capital ratio | 13.8189% | 4,680 |
| Total risk-based capital ratio | 15.0715% | 4,634 |
| Memoranda: | ||
| Average total assets | $115,102,500 | 4,504 |
| Average earning assets | $103,805,750 | 4,546 |
| Average equity | $13,780,000 | 4,246 |
| Average total loans | $92,277,250 | 3,732 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5073% | 712 |
| Cost of funding earning assets | 0.9479% | 2,077 |
| Net interest margin | 4.5593% | 891 |
| Noninterest income to average assets | 1.0825% | 1,221 |
| Noninterest expense to average assets | 3.4327% | 1,951 |
| Loan and lease loss provision to assets | 0.2078% | 2,998 |
| Net operating income to assets | 1.5003% | 989 |
| Return on assets (ROA) | 1.6765% | 796 |
| Pretax return on assets | 1.7406% | 1,160 |
| Return on Equity (ROE) | 14.2398% | 1,064 |
| Retained earnings to average equity (ytd only) | 7.3259% | 1,944 |
| Net charge-offs to loans | 0.1011% | 4,155 |
| Credit loss provision to net charge-offs | 260.8696% | 1,103 |
| Earnings coverage of net charge-offs (x) | 22.1522% | 1,314 |
| Efficiency ratio | 66.0447% | 4,525 |
| Assets per employee ($millions) | 3.4151% | 5,182 |
| Cash dividends to net income (ytd only)* | 48.5537% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 3,858 |
| Loan loss allowance to noncurrent loans | 214.0325% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.9069% | 4,557 |
| Noncurrent loans to loans | 0.7162% | 5,075 |
| Net loans and leases to total assets | 80.1590% | 487 |
| Net loans and leases to deposits | 92.1398% | 937 |
| Net loans and leases to core deposits | 98.9013% | 1,181 |
| Total domestic deposits to total assets | 86.9971% | 2,765 |
| Equity capital to assets | 11.9814% | 2,165 |
| Core capital (leverage) ratio | 11.7339% | 1,760 |
| Tier 1 risk-based capital ratio | 13.5544% | 4,781 |
| Total risk-based capital ratio | 14.8068% | 4,744 |
| Memoranda: | ||
| Average total assets | $115,476,330 | 4,518 |
| Average earning assets | $104,226,000 | 4,562 |
| Average equity | $13,595,670 | 4,278 |
| Average total loans | $91,024,000 | 3,779 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5310% | 714 |
| Cost of funding earning assets | 1.0081% | 1,932 |
| Net interest margin | 4.5229% | 969 |
| Noninterest income to average assets | 1.1463% | 1,077 |
| Noninterest expense to average assets | 3.5499% | 1,663 |
| Loan and lease loss provision to assets | 0.2084% | 2,864 |
| Net operating income to assets | 1.4291% | 1,170 |
| Return on assets (ROA) | 1.5005% | 1,139 |
| Pretax return on assets | 1.5283% | 1,803 |
| Return on Equity (ROE) | 12.8595% | 1,446 |
| Retained earnings to average equity (ytd only) | -1.1312% | 6,173 |
| Net charge-offs to loans | 0.0403% | 4,133 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 53.2222% | 603 |
| Efficiency ratio | 68.0879% | 4,154 |
| Assets per employee ($millions) | 3.4015% | 5,338 |
| Cash dividends to net income (ytd only)* | 108.7963% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 3,778 |
| Loan loss allowance to noncurrent loans | 286.9215% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 5,274 |
| Noncurrent loans to loans | 0.5526% | 5,556 |
| Net loans and leases to total assets | 76.5303% | 744 |
| Net loans and leases to deposits | 87.5216% | 1,227 |
| Net loans and leases to core deposits | 95.5810% | 1,327 |
| Total domestic deposits to total assets | 87.4415% | 2,692 |
| Equity capital to assets | 11.5900% | 2,358 |
| Core capital (leverage) ratio | 11.4394% | 1,934 |
| Tier 1 risk-based capital ratio | 13.6858% | 4,693 |
| Total risk-based capital ratio | 14.9384% | 4,671 |
| Memoranda: | ||
| Average total assets | $115,158,000 | 4,557 |
| Average earning assets | $103,562,000 | 4,614 |
| Average equity | $13,437,500 | 4,318 |
| Average total loans | $89,274,000 | 3,848 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9820% | 440 |
| Cost of funding earning assets | 1.2137% | 1,937 |
| Net interest margin | 4.7682% | 664 |
| Noninterest income to average assets | 0.9289% | 1,575 |
| Noninterest expense to average assets | 3.2724% | 2,613 |
| Loan and lease loss provision to assets | 0.2059% | 4,128 |
| Net operating income to assets | 1.6999% | 548 |
| Return on assets (ROA) | 1.6999% | 585 |
| Pretax return on assets | 1.7614% | 874 |
| Return on Equity (ROE) | 14.7809% | 784 |
| Retained earnings to average equity (ytd only) | 4.1467% | 3,229 |
| Net charge-offs to loans | 0.1568% | 4,888 |
| Credit loss provision to net charge-offs | 167.3913% | 1,614 |
| Earnings coverage of net charge-offs (x) | 15.9928% | 1,362 |
| Efficiency ratio | 62.4532% | 5,387 |
| Assets per employee ($millions) | 3.5833% | 4,824 |
| Cash dividends to net income (ytd only)* | 71.9455% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 3,791 |
| Loan loss allowance to noncurrent loans | 370.6199% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 5,617 |
| Noncurrent loans to loans | 0.4187% | 5,875 |
| Net loans and leases to total assets | 76.0816% | 942 |
| Net loans and leases to deposits | 87.0996% | 1,504 |
| Net loans and leases to core deposits | 95.5290% | 1,540 |
| Total domestic deposits to total assets | 87.3501% | 2,553 |
| Equity capital to assets | 11.7481% | 2,309 |
| Core capital (leverage) ratio | 11.5322% | 1,867 |
| Tier 1 risk-based capital ratio | 13.8530% | 4,436 |
| Total risk-based capital ratio | 15.1056% | 4,394 |
| Memoranda: | ||
| Average total assets | $112,180,600 | 4,590 |
| Average earning assets | $101,421,400 | 4,599 |
| Average equity | $12,901,800 | 4,354 |
| Average total loans | $88,035,400 | 3,906 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0060% | 452 |
| Cost of funding earning assets | 1.2510% | 1,992 |
| Net interest margin | 4.7550% | 680 |
| Noninterest income to average assets | 0.9119% | 1,605 |
| Noninterest expense to average assets | 3.2078% | 2,808 |
| Loan and lease loss provision to assets | 0.2151% | 3,867 |
| Net operating income to assets | 1.7437% | 573 |
| Return on assets (ROA) | 1.7437% | 629 |
| Pretax return on assets | 1.7999% | 957 |
| Return on Equity (ROE) | 15.2457% | 797 |
| Retained earnings to average equity (ytd only) | 2.4974% | 4,873 |
| Net charge-offs to loans | 0.2139% | 4,098 |
| Credit loss provision to net charge-offs | 127.6596% | 2,501 |
| Earnings coverage of net charge-offs (x) | 11.9571% | 1,754 |
| Efficiency ratio | 61.4188% | 5,496 |
| Assets per employee ($millions) | 3.4206% | 5,194 |
| Cash dividends to net income (ytd only)* | 83.6193% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 4,187 |
| Loan loss allowance to noncurrent loans | 230.9441% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 5,285 |
| Noncurrent loans to loans | 0.6424% | 5,604 |
| Net loans and leases to total assets | 80.1387% | 506 |
| Net loans and leases to deposits | 92.3329% | 985 |
| Net loans and leases to core deposits | 101.8461% | 1,104 |
| Total domestic deposits to total assets | 86.7932% | 2,776 |
| Equity capital to assets | 12.0173% | 2,238 |
| Core capital (leverage) ratio | 11.6107% | 1,951 |
| Tier 1 risk-based capital ratio | 13.4054% | 4,802 |
| Total risk-based capital ratio | 14.6571% | 4,772 |
| Memoranda: | ||
| Average total assets | $111,559,500 | 4,633 |
| Average earning assets | $101,141,000 | 4,637 |
| Average equity | $12,759,500 | 4,394 |
| Average total loans | $87,890,750 | 3,952 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9446% | 528 |
| Cost of funding earning assets | 1.2709% | 2,115 |
| Net interest margin | 4.6737% | 775 |
| Noninterest income to average assets | 0.9353% | 1,510 |
| Noninterest expense to average assets | 3.3529% | 2,393 |
| Loan and lease loss provision to assets | 0.2138% | 3,779 |
| Net operating income to assets | 1.5731% | 768 |
| Return on assets (ROA) | 1.5731% | 813 |
| Pretax return on assets | 1.6141% | 1,240 |
| Return on Equity (ROE) | 13.9848% | 983 |
| Retained earnings to average equity (ytd only) | -0.2692% | 5,899 |
| Net charge-offs to loans | 0.3314% | 3,235 |
| Credit loss provision to net charge-offs | 82.7586% | 3,691 |
| Earnings coverage of net charge-offs (x) | 7.0759% | 2,279 |
| Efficiency ratio | 64.7180% | 5,105 |
| Assets per employee ($millions) | 3.6159% | 4,647 |
| Cash dividends to net income (ytd only)* | 101.9253% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 4,381 |
| Loan loss allowance to noncurrent loans | 186.2222% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 5,285 |
| Noncurrent loans to loans | 0.7748% | 5,365 |
| Net loans and leases to total assets | 76.6025% | 982 |
| Net loans and leases to deposits | 87.5273% | 1,566 |
| Net loans and leases to core deposits | 96.8825% | 1,600 |
| Total domestic deposits to total assets | 87.5184% | 2,456 |
| Equity capital to assets | 11.3825% | 2,617 |
| Core capital (leverage) ratio | 11.1185% | 2,162 |
| Tier 1 risk-based capital ratio | 13.4872% | 4,535 |
| Total risk-based capital ratio | 14.7389% | 4,512 |
| Memoranda: | ||
| Average total assets | $112,259,670 | 4,649 |
| Average earning assets | $101,974,670 | 4,653 |
| Average equity | $12,628,000 | 4,411 |
| Average total loans | $87,507,670 | 3,999 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9012% | 594 |
| Cost of funding earning assets | 1.2634% | 2,399 |
| Net interest margin | 4.6378% | 798 |
| Noninterest income to average assets | 0.9008% | 1,662 |
| Noninterest expense to average assets | 3.4359% | 2,177 |
| Loan and lease loss provision to assets | 0.2136% | 3,514 |
| Net operating income to assets | 1.4634% | 951 |
| Return on assets (ROA) | 1.4634% | 990 |
| Pretax return on assets | 1.4598% | 1,567 |
| Return on Equity (ROE) | 13.0866% | 1,172 |
| Retained earnings to average equity (ytd only) | -7.6100% | 6,725 |
| Net charge-offs to loans | -0.0137% | 6,450 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2474% | 4,805 |
| Assets per employee ($millions) | 3.6231% | 4,711 |
| Cash dividends to net income (ytd only)* | 158.1509% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 4,078 |
| Loan loss allowance to noncurrent loans | 283.1579% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 5,654 |
| Noncurrent loans to loans | 0.5390% | 5,951 |
| Net loans and leases to total assets | 77.2675% | 833 |
| Net loans and leases to deposits | 87.9198% | 1,473 |
| Net loans and leases to core deposits | 96.6231% | 1,627 |
| Total domestic deposits to total assets | 87.8841% | 2,436 |
| Equity capital to assets | 11.1241% | 2,568 |
| Core capital (leverage) ratio | 11.1746% | 2,048 |
| Tier 1 risk-based capital ratio | 13.1431% | 4,717 |
| Total risk-based capital ratio | 14.3954% | 4,695 |
| Memoranda: | ||
| Average total assets | $112,343,000 | 4,679 |
| Average earning assets | $101,945,000 | 4,690 |
| Average equity | $12,562,500 | 4,424 |
| Average total loans | $87,700,000 | 4,026 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1948% | 571 |
| Cost of funding earning assets | 1.3570% | 3,525 |
| Net interest margin | 4.8379% | 622 |
| Noninterest income to average assets | 0.9867% | 1,552 |
| Noninterest expense to average assets | 3.1015% | 3,452 |
| Loan and lease loss provision to assets | 0.3841% | 3,812 |
| Net operating income to assets | 1.8020% | 417 |
| Return on assets (ROA) | 1.8020% | 449 |
| Pretax return on assets | 1.8665% | 658 |
| Return on Equity (ROE) | 15.4066% | 662 |
| Retained earnings to average equity (ytd only) | 8.6169% | 812 |
| Net charge-offs to loans | -0.0157% | 7,343 |
| Credit loss provision to net charge-offs | -3,069.2308% | 7,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9496% | 6,341 |
| Assets per employee ($millions) | 3.6249% | 4,642 |
| Cash dividends to net income (ytd only)* | 44.0705% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 4,195 |
| Loan loss allowance to noncurrent loans | 288.0899% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 5,756 |
| Noncurrent loans to loans | 0.5099% | 6,016 |
| Net loans and leases to total assets | 76.5233% | 1,179 |
| Net loans and leases to deposits | 87.1614% | 1,913 |
| Net loans and leases to core deposits | 95.3474% | 2,082 |
| Total domestic deposits to total assets | 87.7949% | 2,369 |
| Equity capital to assets | 11.2404% | 2,464 |
| Core capital (leverage) ratio | 11.4364% | 1,871 |
| Tier 1 risk-based capital ratio | 13.5786% | 4,146 |
| Total risk-based capital ratio | 14.8306% | 4,115 |
| Memoranda: | ||
| Average total assets | $103,884,200 | 4,873 |
| Average earning assets | $93,739,600 | 4,898 |
| Average equity | $12,150,600 | 4,569 |
| Average total loans | $82,946,800 | 4,246 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2603% | 549 |
| Cost of funding earning assets | 1.3734% | 3,753 |
| Net interest margin | 4.8869% | 567 |
| Noninterest income to average assets | 0.9827% | 1,512 |
| Noninterest expense to average assets | 3.2257% | 2,834 |
| Loan and lease loss provision to assets | 0.4193% | 3,391 |
| Net operating income to assets | 1.6862% | 640 |
| Return on assets (ROA) | 1.6862% | 693 |
| Pretax return on assets | 1.7386% | 1,033 |
| Return on Equity (ROE) | 14.2634% | 976 |
| Retained earnings to average equity (ytd only) | 7.8576% | 1,467 |
| Net charge-offs to loans | -0.0163% | 7,327 |
| Credit loss provision to net charge-offs | -3,200.0000% | 7,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9173% | 5,972 |
| Assets per employee ($millions) | 3.3693% | 5,278 |
| Cash dividends to net income (ytd only)* | 44.9107% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 4,378 |
| Loan loss allowance to noncurrent loans | 220.1835% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 5,512 |
| Noncurrent loans to loans | 0.6422% | 5,922 |
| Net loans and leases to total assets | 80.1067% | 732 |
| Net loans and leases to deposits | 92.2420% | 1,417 |
| Net loans and leases to core deposits | 101.3445% | 1,715 |
| Total domestic deposits to total assets | 86.8440% | 2,617 |
| Equity capital to assets | 11.8931% | 2,228 |
| Core capital (leverage) ratio | 11.7472% | 1,792 |
| Tier 1 risk-based capital ratio | 13.6940% | 4,057 |
| Total risk-based capital ratio | 14.9456% | 4,011 |
| Memoranda: | ||
| Average total assets | $101,762,500 | 4,995 |
| Average earning assets | $91,643,500 | 5,018 |
| Average equity | $12,030,500 | 4,672 |
| Average total loans | $81,865,500 | 4,354 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2836% | 529 |
| Cost of funding earning assets | 1.3503% | 4,190 |
| Net interest margin | 4.9334% | 496 |
| Noninterest income to average assets | 1.0747% | 1,165 |
| Noninterest expense to average assets | 3.2498% | 2,727 |
| Loan and lease loss provision to assets | 0.4759% | 2,930 |
| Net operating income to assets | 1.7389% | 541 |
| Return on assets (ROA) | 1.7389% | 594 |
| Pretax return on assets | 1.7825% | 920 |
| Return on Equity (ROE) | 14.7395% | 904 |
| Retained earnings to average equity (ytd only) | 6.3697% | 2,135 |
| Net charge-offs to loans | -0.0643% | 7,482 |
| Credit loss provision to net charge-offs | -923.0769% | 6,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9993% | 6,222 |
| Assets per employee ($millions) | 3.2835% | 5,471 |
| Cash dividends to net income (ytd only)* | 56.7845% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 4,534 |
| Loan loss allowance to noncurrent loans | 440.3101% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 6,075 |
| Noncurrent loans to loans | 0.3131% | 6,599 |
| Net loans and leases to total assets | 77.3489% | 1,225 |
| Net loans and leases to deposits | 88.5017% | 2,090 |
| Net loans and leases to core deposits | 98.0894% | 2,219 |
| Total domestic deposits to total assets | 87.3982% | 2,327 |
| Equity capital to assets | 11.4236% | 2,501 |
| Core capital (leverage) ratio | 11.5280% | 1,905 |
| Tier 1 risk-based capital ratio | 13.8093% | 3,863 |
| Total risk-based capital ratio | 15.0600% | 3,834 |
| Memoranda: | ||
| Average total assets | $100,867,670 | 5,052 |
| Average earning assets | $90,648,000 | 5,073 |
| Average equity | $11,900,000 | 4,710 |
| Average total loans | $80,864,330 | 4,421 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4275% | 411 |
| Cost of funding earning assets | 1.3200% | 4,693 |
| Net interest margin | 5.1075% | 343 |
| Noninterest income to average assets | 1.1461% | 952 |
| Noninterest expense to average assets | 3.2643% | 2,660 |
| Loan and lease loss provision to assets | 0.4860% | 2,555 |
| Net operating income to assets | 1.8711% | 428 |
| Return on assets (ROA) | 1.8711% | 470 |
| Pretax return on assets | 1.9561% | 658 |
| Return on Equity (ROE) | 15.5969% | 788 |
| Retained earnings to average equity (ytd only) | 15.5969% | 370 |
| Net charge-offs to loans | -0.0649% | 7,425 |
| Credit loss provision to net charge-offs | -923.0769% | 6,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2037% | 6,604 |
| Assets per employee ($millions) | 3.0183% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,217 |
| Loan loss allowance to noncurrent loans | 504.0201% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 6,177 |
| Noncurrent loans to loans | 0.2480% | 6,845 |
| Net loans and leases to total assets | 79.5418% | 898 |
| Net loans and leases to deposits | 91.7053% | 1,651 |
| Net loans and leases to core deposits | 99.2334% | 2,207 |
| Total domestic deposits to total assets | 86.7363% | 2,773 |
| Equity capital to assets | 12.1251% | 1,967 |
| Core capital (leverage) ratio | 12.3867% | 1,456 |
| Tier 1 risk-based capital ratio | 14.4216% | 3,427 |
| Total risk-based capital ratio | 15.6274% | 3,412 |
| Memoranda: | ||
| Average total assets | $98,765,500 | 5,184 |
| Average earning assets | $88,183,500 | 5,233 |
| Average equity | $11,848,500 | 4,752 |
| Average total loans | $80,092,500 | 4,501 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5608% | 592 |
| Cost of funding earning assets | 1.5495% | 5,283 |
| Net interest margin | 5.0113% | 437 |
| Noninterest income to average assets | 0.9397% | 1,787 |
| Noninterest expense to average assets | 3.1537% | 3,533 |
| Loan and lease loss provision to assets | 1.0893% | 2,097 |
| Net operating income to assets | 1.1802% | 1,299 |
| Return on assets (ROA) | 1.1802% | 1,344 |
| Pretax return on assets | 1.2196% | 1,904 |
| Return on Equity (ROE) | 10.5811% | 1,525 |
| Retained earnings to average equity (ytd only) | 10.5811% | 318 |
| Net charge-offs to loans | 1.0783% | 2,264 |
| Credit loss provision to net charge-offs | 123.6239% | 4,265 |
| Earnings coverage of net charge-offs (x) | 2.6204% | 3,809 |
| Efficiency ratio | 57.7321% | 6,801 |
| Assets per employee ($millions) | 3.0603% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 5,956 |
| Loan loss allowance to noncurrent loans | 557.6923% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 6,211 |
| Noncurrent loans to loans | 0.1951% | 6,932 |
| Net loans and leases to total assets | 80.7593% | 872 |
| Net loans and leases to deposits | 92.7097% | 1,783 |
| Net loans and leases to core deposits | 104.7511% | 3,481 |
| Total domestic deposits to total assets | 87.1099% | 2,434 |
| Equity capital to assets | 11.8659% | 2,100 |
| Core capital (leverage) ratio | 11.7135% | 1,806 |
| Tier 1 risk-based capital ratio | 13.7267% | 3,669 |
| Total risk-based capital ratio | 14.7621% | 3,758 |
| Memoranda: | ||
| Average total assets | $98,964,400 | 5,113 |
| Average earning assets | $89,318,800 | 5,148 |
| Average equity | $11,038,600 | 5,014 |
| Average total loans | $80,870,800 | 4,476 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5387% | 693 |
| Cost of funding earning assets | 1.5921% | 5,436 |
| Net interest margin | 4.9466% | 502 |
| Noninterest income to average assets | 0.9366% | 1,832 |
| Noninterest expense to average assets | 2.9213% | 4,362 |
| Loan and lease loss provision to assets | 1.1422% | 1,707 |
| Net operating income to assets | 1.3195% | 1,179 |
| Return on assets (ROA) | 1.3195% | 1,248 |
| Pretax return on assets | 1.3612% | 1,794 |
| Return on Equity (ROE) | 12.0194% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.0194% | 341 |
| Net charge-offs to loans | 1.5010% | 1,364 |
| Credit loss provision to net charge-offs | 93.0997% | 5,401 |
| Earnings coverage of net charge-offs (x) | 2.0405% | 4,291 |
| Efficiency ratio | 53.8519% | 7,248 |
| Assets per employee ($millions) | 3.0479% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 7,237 |
| Loan loss allowance to noncurrent loans | 269.5067% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 4,691 |
| Noncurrent loans to loans | 0.2815% | 6,810 |
| Net loans and leases to total assets | 80.6084% | 1,064 |
| Net loans and leases to deposits | 92.5594% | 2,144 |
| Net loans and leases to core deposits | 104.6064% | 3,862 |
| Total domestic deposits to total assets | 87.0883% | 2,136 |
| Equity capital to assets | 11.7510% | 2,395 |
| Core capital (leverage) ratio | 11.6018% | 2,014 |
| Tier 1 risk-based capital ratio | 13.5308% | 3,823 |
| Total risk-based capital ratio | 14.2474% | 4,127 |
| Memoranda: | ||
| Average total assets | $99,223,500 | 5,144 |
| Average earning assets | $90,025,500 | 5,163 |
| Average equity | $10,893,250 | 5,093 |
| Average total loans | $81,099,500 | 4,517 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4830% | 853 |
| Cost of funding earning assets | 1.6635% | 5,453 |
| Net interest margin | 4.8194% | 634 |
| Noninterest income to average assets | 0.9320% | 1,834 |
| Noninterest expense to average assets | 2.9403% | 4,334 |
| Loan and lease loss provision to assets | 1.2527% | 1,366 |
| Net operating income to assets | 1.1204% | 1,700 |
| Return on assets (ROA) | 1.1204% | 1,782 |
| Pretax return on assets | 1.1404% | 2,500 |
| Return on Equity (ROE) | 10.4447% | 1,869 |
| Retained earnings to average equity (ytd only) | 10.4447% | 644 |
| Net charge-offs to loans | 1.9920% | 929 |
| Credit loss provision to net charge-offs | 76.7813% | 5,286 |
| Earnings coverage of net charge-offs (x) | 1.4668% | 4,434 |
| Efficiency ratio | 55.1297% | 7,216 |
| Assets per employee ($millions) | 3.0327% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 7,649 |
| Loan loss allowance to noncurrent loans | 113.0952% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 4,474 |
| Noncurrent loans to loans | 0.5212% | 6,227 |
| Net loans and leases to total assets | 82.5425% | 858 |
| Net loans and leases to deposits | 94.3044% | 2,047 |
| Net loans and leases to core deposits | 106.8181% | 3,743 |
| Total domestic deposits to total assets | 87.5277% | 2,004 |
| Equity capital to assets | 11.3193% | 2,662 |
| Core capital (leverage) ratio | 11.2284% | 2,244 |
| Tier 1 risk-based capital ratio | 12.9615% | 4,174 |
| Total risk-based capital ratio | 13.5251% | 4,613 |
| Memoranda: | ||
| Average total assets | $99,787,330 | 5,169 |
| Average earning assets | $91,131,330 | 5,155 |
| Average equity | $10,704,000 | 5,158 |
| Average total loans | $81,726,000 | 4,534 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4324% | 991 |
| Cost of funding earning assets | 1.8354% | 4,939 |
| Net interest margin | 4.5971% | 943 |
| Noninterest income to average assets | 0.8502% | 2,082 |
| Noninterest expense to average assets | 3.1317% | 3,262 |
| Loan and lease loss provision to assets | 0.7908% | 1,627 |
| Net operating income to assets | 1.0716% | 2,060 |
| Return on assets (ROA) | 1.0716% | 2,197 |
| Pretax return on assets | 1.1270% | 2,883 |
| Return on Equity (ROE) | 10.2618% | 2,214 |
| Retained earnings to average equity (ytd only) | 10.2618% | 1,128 |
| Net charge-offs to loans | 0.1896% | 3,498 |
| Credit loss provision to net charge-offs | 512.8205% | 1,057 |
| Earnings coverage of net charge-offs (x) | 12.4359% | 1,803 |
| Efficiency ratio | 62.0204% | 6,043 |
| Assets per employee ($millions) | 3.1824% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,082 |
| Loan loss allowance to noncurrent loans | 62.9291% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.9521% | 2,977 |
| Noncurrent loans to loans | 1.6128% | 3,857 |
| Net loans and leases to total assets | 79.0108% | 1,579 |
| Net loans and leases to deposits | 89.4560% | 3,022 |
| Net loans and leases to core deposits | 107.3957% | 3,755 |
| Total domestic deposits to total assets | 88.3236% | 1,563 |
| Equity capital to assets | 10.5157% | 3,446 |
| Core capital (leverage) ratio | 10.5279% | 2,891 |
| Tier 1 risk-based capital ratio | 12.4254% | 4,586 |
| Total risk-based capital ratio | 13.3891% | 4,730 |
| Memoranda: | ||
| Average total assets | $101,157,500 | 5,147 |
| Average earning assets | $92,407,000 | 5,133 |
| Average equity | $10,563,500 | 5,221 |
| Average total loans | $82,299,000 | 4,549 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0280% | 1,054 |
| Cost of funding earning assets | 2.4069% | 4,696 |
| Net interest margin | 4.6211% | 1,122 |
| Noninterest income to average assets | 1.0381% | 1,460 |
| Noninterest expense to average assets | 3.1874% | 3,383 |
| Loan and lease loss provision to assets | 0.1098% | 5,968 |
| Net operating income to assets | 1.8524% | 490 |
| Return on assets (ROA) | 1.8524% | 474 |
| Pretax return on assets | 1.9277% | 725 |
| Return on Equity (ROE) | 18.0964% | 514 |
| Retained earnings to average equity (ytd only) | 11.5809% | 261 |
| Net charge-offs to loans | 0.3844% | 2,901 |
| Credit loss provision to net charge-offs | 35.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | 6.4967% | 3,346 |
| Efficiency ratio | 61.0044% | 6,163 |
| Assets per employee ($millions) | 3.2412% | 5,357 |
| Cash dividends to net income (ytd only)* | 36.0045% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 7,118 |
| Loan loss allowance to noncurrent loans | 133.0661% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 4,144 |
| Noncurrent loans to loans | 0.5990% | 5,576 |
| Net loans and leases to total assets | 82.2537% | 1,180 |
| Net loans and leases to deposits | 92.9379% | 2,966 |
| Net loans and leases to core deposits | 113.4577% | 3,400 |
| Total domestic deposits to total assets | 88.5038% | 1,246 |
| Equity capital to assets | 10.3685% | 3,646 |
| Core capital (leverage) ratio | 10.2771% | 3,191 |
| Tier 1 risk-based capital ratio | 11.9366% | 4,874 |
| Total risk-based capital ratio | 12.7012% | 5,187 |
| Memoranda: | ||
| Average total assets | $95,659,400 | 5,183 |
| Average earning assets | $86,667,400 | 5,198 |
| Average equity | $9,792,000 | 5,481 |
| Average total loans | $78,047,800 | 4,586 |