Home > The Community Bank > Performance and Condition Ratios
The Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 2,534 |
| Cost of funding earning assets | 1.1255% | 3,003 |
| Net interest margin | 3.6463% | 1,869 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.5644% | 2,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1108% | 1,888 |
| Return on assets (ROA) | 1.1108% | 1,864 |
| Pretax return on assets | 1.4419% | 1,549 |
| Return on Equity (ROE) | 14.8500% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.5935% | 562 |
| Net charge-offs to loans | 0.0427% | 1,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 68.7941% | 1,103 |
| Efficiency ratio | 64.0098% | 2,602 |
| Assets per employee ($millions) | 7.1839% | 1,951 |
| Cash dividends to net income (ytd only)* | 15.2053% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8526% | 488 |
| Loan loss allowance to noncurrent loans | 187.3762% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 1,149 |
| Noncurrent loans to loans | 0.9887% | 748 |
| Net loans and leases to total assets | 48.5400% | 3,698 |
| Net loans and leases to deposits | 53.5753% | 3,813 |
| Net loans and leases to core deposits | 65.1010% | 3,537 |
| Total domestic deposits to total assets | 90.6100% | 600 |
| Equity capital to assets | 8.5046% | 3,050 |
| Core capital (leverage) ratio | 11.7593% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1464% | 770 |
| Memoranda: | ||
| Average total assets | $162,221,600 | 3,259 |
| Average earning assets | $150,867,200 | 3,244 |
| Average equity | $12,133,200 | 3,514 |
| Average total loans | $79,618,000 | 3,414 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 2,523 |
| Cost of funding earning assets | 1.0248% | 2,964 |
| Net interest margin | 3.6497% | 1,886 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.5523% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1172% | 2,000 |
| Return on assets (ROA) | 1.1172% | 1,983 |
| Pretax return on assets | 1.4648% | 1,647 |
| Return on Equity (ROE) | 15.4800% | 1,353 |
| Retained earnings to average equity (ytd only) | 12.3451% | 917 |
| Net charge-offs to loans | 0.0455% | 1,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 65.7037% | 1,153 |
| Efficiency ratio | 63.5355% | 2,556 |
| Assets per employee ($millions) | 6.9349% | 1,999 |
| Cash dividends to net income (ytd only)* | 20.2513% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 509 |
| Loan loss allowance to noncurrent loans | 91.0233% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0476% | 479 |
| Noncurrent loans to loans | 2.0487% | 289 |
| Net loans and leases to total assets | 50.1800% | 3,603 |
| Net loans and leases to deposits | 54.9911% | 3,751 |
| Net loans and leases to core deposits | 66.1253% | 3,422 |
| Total domestic deposits to total assets | 91.2600% | 606 |
| Equity capital to assets | 7.2024% | 3,514 |
| Core capital (leverage) ratio | 11.5645% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4619% | 889 |
| Memoranda: | ||
| Average total assets | $161,469,750 | 3,274 |
| Average earning assets | $150,144,250 | 3,260 |
| Average equity | $11,653,500 | 3,560 |
| Average total loans | $79,092,250 | 3,431 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 2,613 |
| Cost of funding earning assets | 0.8615% | 3,043 |
| Net interest margin | 3.6512% | 1,914 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.4845% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1399% | 2,002 |
| Return on assets (ROA) | 1.1399% | 2,000 |
| Pretax return on assets | 1.4939% | 1,612 |
| Return on Equity (ROE) | 15.7800% | 1,305 |
| Retained earnings to average equity (ytd only) | 11.1029% | 1,171 |
| Net charge-offs to loans | 0.0434% | 1,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 71.2353% | 1,110 |
| Efficiency ratio | 62.4496% | 2,650 |
| Assets per employee ($millions) | 7.3943% | 1,671 |
| Cash dividends to net income (ytd only)* | 29.6537% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9271% | 476 |
| Loan loss allowance to noncurrent loans | 187.6225% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 1,085 |
| Noncurrent loans to loans | 1.0271% | 732 |
| Net loans and leases to total assets | 47.9000% | 3,696 |
| Net loans and leases to deposits | 53.9414% | 3,748 |
| Net loans and leases to core deposits | 64.3043% | 3,431 |
| Total domestic deposits to total assets | 88.7900% | 1,321 |
| Equity capital to assets | 7.5286% | 3,498 |
| Core capital (leverage) ratio | 11.1981% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4820% | 890 |
| Memoranda: | ||
| Average total assets | $162,125,333 | 3,271 |
| Average earning assets | $151,127,667 | 3,261 |
| Average equity | $11,708,667 | 3,566 |
| Average total loans | $78,268,000 | 3,440 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 2,692 |
| Cost of funding earning assets | 0.6906% | 3,079 |
| Net interest margin | 3.6547% | 2,005 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.4739% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1319% | 2,122 |
| Return on assets (ROA) | 1.1319% | 2,089 |
| Pretax return on assets | 1.4828% | 1,711 |
| Return on Equity (ROE) | 16.0100% | 1,353 |
| Retained earnings to average equity (ytd only) | 6.4338% | 2,659 |
| Net charge-offs to loans | -0.0566% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.5234% | 2,631 |
| Assets per employee ($millions) | 7.3531% | 1,708 |
| Cash dividends to net income (ytd only)* | 59.8253% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0306% | 410 |
| Loan loss allowance to noncurrent loans | 96.6522% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 408 |
| Noncurrent loans to loans | 2.1009% | 258 |
| Net loans and leases to total assets | 46.5000% | 3,749 |
| Net loans and leases to deposits | 50.6611% | 3,861 |
| Net loans and leases to core deposits | 58.4329% | 3,612 |
| Total domestic deposits to total assets | 91.7800% | 573 |
| Equity capital to assets | 7.3278% | 3,659 |
| Core capital (leverage) ratio | 11.0222% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1716% | 968 |
| Memoranda: | ||
| Average total assets | $161,851,000 | 3,326 |
| Average earning assets | $150,601,000 | 3,313 |
| Average equity | $11,439,500 | 3,626 |
| Average total loans | $77,680,000 | 3,487 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 3,072 |
| Cost of funding earning assets | 0.3127% | 2,774 |
| Net interest margin | 3.1885% | 2,905 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.2230% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9839% | 2,623 |
| Return on assets (ROA) | 0.9839% | 2,578 |
| Pretax return on assets | 1.2889% | 2,126 |
| Return on Equity (ROE) | 13.4300% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.1705% | 847 |
| Net charge-offs to loans | 0.0180% | 1,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 787 |
| Efficiency ratio | 63.2981% | 2,592 |
| Assets per employee ($millions) | 8.0967% | 1,269 |
| Cash dividends to net income (ytd only)* | 16.8005% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 454 |
| Loan loss allowance to noncurrent loans | 68.2841% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 242 |
| Noncurrent loans to loans | 2.8848% | 149 |
| Net loans and leases to total assets | 47.5700% | 3,697 |
| Net loans and leases to deposits | 52.0415% | 3,797 |
| Net loans and leases to core deposits | 60.2167% | 3,494 |
| Total domestic deposits to total assets | 91.4100% | 807 |
| Equity capital to assets | 6.8083% | 3,763 |
| Core capital (leverage) ratio | 10.9778% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7587% | 1,018 |
| Memoranda: | ||
| Average total assets | $164,554,600 | 3,310 |
| Average earning assets | $150,950,000 | 3,321 |
| Average equity | $12,058,600 | 3,663 |
| Average total loans | $77,706,000 | 3,440 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2737% | 3,251 |
| Cost of funding earning assets | 0.2557% | 2,646 |
| Net interest margin | 3.0180% | 3,171 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.1846% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8894% | 2,912 |
| Return on assets (ROA) | 0.8894% | 2,887 |
| Pretax return on assets | 1.1565% | 2,536 |
| Return on Equity (ROE) | 11.9300% | 2,055 |
| Retained earnings to average equity (ytd only) | 9.0712% | 1,625 |
| Net charge-offs to loans | 0.0086% | 1,816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 286.6000% | 487 |
| Efficiency ratio | 65.3865% | 2,357 |
| Assets per employee ($millions) | 8.3344% | 1,154 |
| Cash dividends to net income (ytd only)* | 23.9564% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0707% | 439 |
| Loan loss allowance to noncurrent loans | 219.9153% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 1,155 |
| Noncurrent loans to loans | 0.9416% | 827 |
| Net loans and leases to total assets | 46.5000% | 3,729 |
| Net loans and leases to deposits | 49.9325% | 3,860 |
| Net loans and leases to core deposits | 58.7139% | 3,463 |
| Total domestic deposits to total assets | 93.1300% | 550 |
| Equity capital to assets | 5.9304% | 3,988 |
| Core capital (leverage) ratio | 9.7763% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9152% | 1,006 |
| Memoranda: | ||
| Average total assets | $165,209,750 | 3,330 |
| Average earning assets | $151,221,500 | 3,340 |
| Average equity | $12,317,000 | 3,682 |
| Average total loans | $77,486,250 | 3,464 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0570% | 3,414 |
| Cost of funding earning assets | 0.2464% | 2,316 |
| Net interest margin | 2.8105% | 3,419 |
| Noninterest income to average assets | 0.5564% | 1,916 |
| Noninterest expense to average assets | 2.1445% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7499% | 3,145 |
| Return on assets (ROA) | 0.7499% | 3,098 |
| Pretax return on assets | 0.9720% | 2,821 |
| Return on Equity (ROE) | 9.4491% | 2,544 |
| Retained earnings to average equity (ytd only) | 5.4768% | 2,527 |
| Net charge-offs to loans | 0.0051% | 1,831 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 311 |
| Efficiency ratio | 68.8123% | 2,125 |
| Assets per employee ($millions) | 7.7922% | 1,422 |
| Cash dividends to net income (ytd only)* | 42.0382% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 555 |
| Loan loss allowance to noncurrent loans | 229.5588% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 1,301 |
| Noncurrent loans to loans | 0.8700% | 978 |
| Net loans and leases to total assets | 46.8124% | 3,652 |
| Net loans and leases to deposits | 51.4056% | 3,734 |
| Net loans and leases to core deposits | 60.5564% | 3,233 |
| Total domestic deposits to total assets | 91.0649% | 1,200 |
| Equity capital to assets | 6.8261% | 3,855 |
| Core capital (leverage) ratio | 9.6057% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3945% | 1,101 |
| Memoranda: | ||
| Average total assets | $167,495,333 | 3,352 |
| Average earning assets | $152,569,667 | 3,373 |
| Average equity | $13,292,333 | 3,655 |
| Average total loans | $78,250,667 | 3,478 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8744% | 3,594 |
| Cost of funding earning assets | 0.2444% | 2,224 |
| Net interest margin | 2.6301% | 3,586 |
| Noninterest income to average assets | 0.5288% | 2,000 |
| Noninterest expense to average assets | 2.1178% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6020% | 3,387 |
| Return on assets (ROA) | 0.6020% | 3,368 |
| Pretax return on assets | 0.7744% | 3,187 |
| Return on Equity (ROE) | 7.1063% | 3,003 |
| Retained earnings to average equity (ytd only) | -0.2508% | 4,049 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2245% | 1,828 |
| Assets per employee ($millions) | 8.6755% | 1,036 |
| Cash dividends to net income (ytd only)* | 103.5294% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0274% | 593 |
| Loan loss allowance to noncurrent loans | 288.7246% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 1,785 |
| Noncurrent loans to loans | 0.7022% | 1,352 |
| Net loans and leases to total assets | 43.5038% | 3,779 |
| Net loans and leases to deposits | 47.4232% | 3,905 |
| Net loans and leases to core deposits | 55.4936% | 3,492 |
| Total domestic deposits to total assets | 91.7353% | 682 |
| Equity capital to assets | 7.3535% | 4,017 |
| Core capital (leverage) ratio | 9.4823% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9978% | 1,254 |
| Memoranda: | ||
| Average total assets | $169,425,000 | 3,354 |
| Average earning assets | $152,240,000 | 3,385 |
| Average equity | $14,353,500 | 3,618 |
| Average total loans | $78,294,500 | 3,483 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2909% | 3,240 |
| Cost of funding earning assets | 0.2575% | 2,839 |
| Net interest margin | 3.0334% | 3,099 |
| Noninterest income to average assets | 0.6049% | 2,135 |
| Noninterest expense to average assets | 2.3434% | 2,677 |
| Loan and lease loss provision to assets | 0.0264% | 2,533 |
| Net operating income to assets | 0.7039% | 3,618 |
| Return on assets (ROA) | 0.7227% | 3,625 |
| Pretax return on assets | 0.9604% | 3,360 |
| Return on Equity (ROE) | 7.0655% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.4156% | 2,612 |
| Net charge-offs to loans | 0.0255% | 1,737 |
| Credit loss provision to net charge-offs | 195.2381% | 1,320 |
| Earnings coverage of net charge-offs (x) | 71.1905% | 1,062 |
| Efficiency ratio | 70.8747% | 1,634 |
| Assets per employee ($millions) | 7.5155% | 1,611 |
| Cash dividends to net income (ytd only)* | 23.3512% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9637% | 646 |
| Loan loss allowance to noncurrent loans | 232.7869% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 1,537 |
| Noncurrent loans to loans | 0.8436% | 1,205 |
| Net loans and leases to total assets | 47.1643% | 3,582 |
| Net loans and leases to deposits | 52.7215% | 3,686 |
| Net loans and leases to core deposits | 62.5824% | 3,109 |
| Total domestic deposits to total assets | 89.4594% | 1,265 |
| Equity capital to assets | 9.6455% | 2,996 |
| Core capital (leverage) ratio | 10.0196% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8586% | 1,297 |
| Memoranda: | ||
| Average total assets | $155,242,600 | 3,438 |
| Average earning assets | $138,259,400 | 3,495 |
| Average equity | $15,880,000 | 3,551 |
| Average total loans | $82,371,400 | 3,434 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4063% | 3,087 |
| Cost of funding earning assets | 0.2629% | 2,984 |
| Net interest margin | 3.1435% | 2,922 |
| Noninterest income to average assets | 0.6085% | 2,182 |
| Noninterest expense to average assets | 2.4271% | 2,352 |
| Loan and lease loss provision to assets | 0.0360% | 2,278 |
| Net operating income to assets | 0.7244% | 3,710 |
| Return on assets (ROA) | 0.7499% | 3,717 |
| Pretax return on assets | 0.9656% | 3,552 |
| Return on Equity (ROE) | 7.2200% | 3,610 |
| Retained earnings to average equity (ytd only) | 5.0178% | 3,212 |
| Net charge-offs to loans | -0.0112% | 3,720 |
| Credit loss provision to net charge-offs | -585.7143% | 3,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4653% | 1,446 |
| Assets per employee ($millions) | 6.7951% | 2,018 |
| Cash dividends to net income (ytd only)* | 30.5006% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 746 |
| Loan loss allowance to noncurrent loans | 248.8263% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 1,741 |
| Noncurrent loans to loans | 0.7702% | 1,469 |
| Net loans and leases to total assets | 52.0699% | 3,185 |
| Net loans and leases to deposits | 58.6253% | 3,350 |
| Net loans and leases to core deposits | 68.8934% | 2,695 |
| Total domestic deposits to total assets | 88.8181% | 1,386 |
| Equity capital to assets | 10.2785% | 2,632 |
| Core capital (leverage) ratio | 10.2513% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2089% | 1,570 |
| Memoranda: | ||
| Average total assets | $152,718,000 | 3,497 |
| Average earning assets | $135,430,500 | 3,563 |
| Average equity | $15,863,000 | 3,598 |
| Average total loans | $83,078,250 | 3,473 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 2,671 |
| Cost of funding earning assets | 0.2646% | 3,142 |
| Net interest margin | 3.3197% | 2,384 |
| Noninterest income to average assets | 0.6005% | 2,213 |
| Noninterest expense to average assets | 2.3864% | 2,508 |
| Loan and lease loss provision to assets | 0.0475% | 2,070 |
| Net operating income to assets | 0.8629% | 3,322 |
| Return on assets (ROA) | 0.9015% | 3,294 |
| Pretax return on assets | 1.1628% | 3,019 |
| Return on Equity (ROE) | 8.6478% | 3,215 |
| Retained earnings to average equity (ytd only) | 5.3305% | 3,058 |
| Net charge-offs to loans | -0.0024% | 3,231 |
| Credit loss provision to net charge-offs | -3,600.0000% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2619% | 1,972 |
| Assets per employee ($millions) | 6.4560% | 2,196 |
| Cash dividends to net income (ytd only)* | 38.3602% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 768 |
| Loan loss allowance to noncurrent loans | 242.5499% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 1,860 |
| Noncurrent loans to loans | 0.7738% | 1,559 |
| Net loans and leases to total assets | 53.2812% | 3,226 |
| Net loans and leases to deposits | 59.9714% | 3,392 |
| Net loans and leases to core deposits | 70.7439% | 2,707 |
| Total domestic deposits to total assets | 88.8444% | 1,361 |
| Equity capital to assets | 10.2773% | 2,598 |
| Core capital (leverage) ratio | 9.5529% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0981% | 1,598 |
| Memoranda: | ||
| Average total assets | $151,528,000 | 3,517 |
| Average earning assets | $134,529,333 | 3,577 |
| Average equity | $15,796,000 | 3,603 |
| Average total loans | $83,114,667 | 3,495 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1984% | 3,695 |
| Cost of funding earning assets | 0.2660% | 3,317 |
| Net interest margin | 2.9324% | 3,433 |
| Noninterest income to average assets | 0.5820% | 2,285 |
| Noninterest expense to average assets | 2.3602% | 2,621 |
| Loan and lease loss provision to assets | 0.0561% | 1,991 |
| Net operating income to assets | 0.6190% | 3,894 |
| Return on assets (ROA) | 0.6675% | 3,856 |
| Pretax return on assets | 0.8463% | 3,730 |
| Return on Equity (ROE) | 6.3565% | 3,762 |
| Retained earnings to average equity (ytd only) | -0.3051% | 4,392 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7281% | 1,337 |
| Assets per employee ($millions) | 6.8431% | 1,899 |
| Cash dividends to net income (ytd only)* | 104.8000% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8687% | 772 |
| Loan loss allowance to noncurrent loans | 234.3328% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 2,049 |
| Noncurrent loans to loans | 0.7974% | 1,660 |
| Net loans and leases to total assets | 52.1500% | 3,433 |
| Net loans and leases to deposits | 58.3991% | 3,606 |
| Net loans and leases to core deposits | 67.7060% | 3,085 |
| Total domestic deposits to total assets | 89.2993% | 1,174 |
| Equity capital to assets | 9.8531% | 2,844 |
| Core capital (leverage) ratio | 10.4449% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9069% | 1,596 |
| Memoranda: | ||
| Average total assets | $149,820,000 | 3,534 |
| Average earning assets | $133,815,500 | 3,585 |
| Average equity | $15,732,000 | 3,614 |
| Average total loans | $82,604,500 | 3,516 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 3,550 |
| Cost of funding earning assets | 0.3484% | 3,879 |
| Net interest margin | 3.3630% | 2,890 |
| Noninterest income to average assets | 0.6706% | 1,951 |
| Noninterest expense to average assets | 2.5773% | 2,622 |
| Loan and lease loss provision to assets | 0.2995% | 1,254 |
| Net operating income to assets | 0.7238% | 3,356 |
| Return on assets (ROA) | 0.7487% | 3,392 |
| Pretax return on assets | 0.9324% | 3,274 |
| Return on Equity (ROE) | 6.7155% | 3,317 |
| Retained earnings to average equity (ytd only) | 4.9376% | 2,300 |
| Net charge-offs to loans | 0.3274% | 539 |
| Credit loss provision to net charge-offs | 163.6364% | 2,351 |
| Earnings coverage of net charge-offs (x) | 6.5613% | 2,770 |
| Efficiency ratio | 68.2175% | 2,205 |
| Assets per employee ($millions) | 5.9270% | 2,405 |
| Cash dividends to net income (ytd only)* | 26.4734% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 740 |
| Loan loss allowance to noncurrent loans | 226.0997% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 2,058 |
| Noncurrent loans to loans | 0.8361% | 1,677 |
| Net loans and leases to total assets | 56.2567% | 3,271 |
| Net loans and leases to deposits | 64.3911% | 3,404 |
| Net loans and leases to core deposits | 76.4967% | 2,676 |
| Total domestic deposits to total assets | 87.3671% | 1,758 |
| Equity capital to assets | 11.2170% | 2,087 |
| Core capital (leverage) ratio | 10.8753% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5372% | 1,396 |
| Memoranda: | ||
| Average total assets | $138,243,000 | 3,535 |
| Average earning assets | $127,742,800 | 3,536 |
| Average equity | $15,412,200 | 3,621 |
| Average total loans | $77,268,800 | 3,605 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 3,349 |
| Cost of funding earning assets | 0.3660% | 3,972 |
| Net interest margin | 3.5063% | 2,569 |
| Noninterest income to average assets | 0.6723% | 1,894 |
| Noninterest expense to average assets | 2.5813% | 2,592 |
| Loan and lease loss provision to assets | 0.3701% | 1,001 |
| Net operating income to assets | 0.7747% | 3,186 |
| Return on assets (ROA) | 0.8093% | 3,176 |
| Pretax return on assets | 1.0220% | 2,985 |
| Return on Equity (ROE) | 7.2704% | 3,102 |
| Retained earnings to average equity (ytd only) | 4.8789% | 2,614 |
| Net charge-offs to loans | 0.4480% | 350 |
| Credit loss provision to net charge-offs | 148.8281% | 2,333 |
| Earnings coverage of net charge-offs (x) | 5.4219% | 2,732 |
| Efficiency ratio | 65.6860% | 2,505 |
| Assets per employee ($millions) | 5.9300% | 2,326 |
| Cash dividends to net income (ytd only)* | 32.8932% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 602 |
| Loan loss allowance to noncurrent loans | 115.4908% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 1,209 |
| Noncurrent loans to loans | 1.6339% | 859 |
| Net loans and leases to total assets | 55.0200% | 3,708 |
| Net loans and leases to deposits | 62.5065% | 3,898 |
| Net loans and leases to core deposits | 73.7217% | 3,337 |
| Total domestic deposits to total assets | 88.0228% | 1,211 |
| Equity capital to assets | 11.0707% | 2,347 |
| Core capital (leverage) ratio | 10.5252% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1216% | 1,470 |
| Memoranda: | ||
| Average total assets | $137,241,750 | 3,538 |
| Average earning assets | $127,501,250 | 3,522 |
| Average equity | $15,276,250 | 3,631 |
| Average total loans | $76,194,500 | 3,637 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 2,771 |
| Cost of funding earning assets | 0.3874% | 4,093 |
| Net interest margin | 3.8104% | 1,810 |
| Noninterest income to average assets | 0.6581% | 1,904 |
| Noninterest expense to average assets | 2.7459% | 2,233 |
| Loan and lease loss provision to assets | 0.5135% | 676 |
| Net operating income to assets | 0.7576% | 3,193 |
| Return on assets (ROA) | 0.8100% | 3,123 |
| Pretax return on assets | 1.0210% | 2,966 |
| Return on Equity (ROE) | 7.2637% | 3,027 |
| Retained earnings to average equity (ytd only) | 3.6384% | 3,103 |
| Net charge-offs to loans | 0.6828% | 231 |
| Credit loss provision to net charge-offs | 135.9375% | 2,198 |
| Earnings coverage of net charge-offs (x) | 3.8867% | 2,643 |
| Efficiency ratio | 65.1611% | 2,640 |
| Assets per employee ($millions) | 6.9066% | 1,498 |
| Cash dividends to net income (ytd only)* | 49.9089% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 574 |
| Loan loss allowance to noncurrent loans | 160.4575% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 1,945 |
| Noncurrent loans to loans | 1.1611% | 1,354 |
| Net loans and leases to total assets | 51.0632% | 4,094 |
| Net loans and leases to deposits | 57.4717% | 4,246 |
| Net loans and leases to core deposits | 66.5198% | 3,953 |
| Total domestic deposits to total assets | 88.8493% | 803 |
| Equity capital to assets | 10.1951% | 3,026 |
| Core capital (leverage) ratio | 10.3719% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5885% | 1,343 |
| Memoranda: | ||
| Average total assets | $135,548,667 | 3,538 |
| Average earning assets | $126,497,000 | 3,516 |
| Average equity | $15,116,333 | 3,644 |
| Average total loans | $74,989,000 | 3,667 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 3,097 |
| Cost of funding earning assets | 0.4417% | 4,190 |
| Net interest margin | 3.7963% | 1,990 |
| Noninterest income to average assets | 0.7287% | 1,536 |
| Noninterest expense to average assets | 2.9493% | 2,012 |
| Loan and lease loss provision to assets | 0.0471% | 3,190 |
| Net operating income to assets | 0.9877% | 2,219 |
| Return on assets (ROA) | 1.0993% | 1,945 |
| Pretax return on assets | 1.4103% | 1,529 |
| Return on Equity (ROE) | 9.3777% | 1,968 |
| Retained earnings to average equity (ytd only) | 2.0363% | 3,434 |
| Net charge-offs to loans | 0.0164% | 2,043 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 139.6667% | 455 |
| Efficiency ratio | 69.1458% | 2,491 |
| Assets per employee ($millions) | 5.5175% | 2,102 |
| Cash dividends to net income (ytd only)* | 78.2857% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9023% | 604 |
| Loan loss allowance to noncurrent loans | 119.7764% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 1,480 |
| Noncurrent loans to loans | 1.5882% | 988 |
| Net loans and leases to total assets | 54.2490% | 3,966 |
| Net loans and leases to deposits | 61.9997% | 4,096 |
| Net loans and leases to core deposits | 73.4632% | 3,674 |
| Total domestic deposits to total assets | 87.4988% | 1,336 |
| Equity capital to assets | 11.4130% | 2,516 |
| Core capital (leverage) ratio | 11.6344% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8510% | 1,165 |
| Memoranda: | ||
| Average total assets | $127,350,500 | 3,613 |
| Average earning assets | $118,641,500 | 3,595 |
| Average equity | $14,929,000 | 3,666 |
| Average total loans | $72,953,000 | 3,705 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6814% | 2,380 |
| Cost of funding earning assets | 0.4972% | 4,104 |
| Net interest margin | 4.1842% | 1,350 |
| Noninterest income to average assets | 0.7693% | 1,546 |
| Noninterest expense to average assets | 3.0795% | 1,813 |
| Loan and lease loss provision to assets | 0.1894% | 1,082 |
| Net operating income to assets | 1.1041% | 2,429 |
| Return on assets (ROA) | 1.1028% | 2,532 |
| Pretax return on assets | 1.3944% | 2,182 |
| Return on Equity (ROE) | 9.5463% | 2,502 |
| Retained earnings to average equity (ytd only) | 7.6499% | 1,096 |
| Net charge-offs to loans | 0.0426% | 2,543 |
| Credit loss provision to net charge-offs | 718.7500% | 443 |
| Earnings coverage of net charge-offs (x) | 60.1563% | 979 |
| Efficiency ratio | 66.0134% | 2,766 |
| Assets per employee ($millions) | 5.0951% | 2,462 |
| Cash dividends to net income (ytd only)* | 19.8656% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 550 |
| Loan loss allowance to noncurrent loans | 121.5669% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 1,320 |
| Noncurrent loans to loans | 1.5631% | 907 |
| Net loans and leases to total assets | 58.3046% | 3,744 |
| Net loans and leases to deposits | 67.1009% | 3,893 |
| Net loans and leases to core deposits | 80.1178% | 3,285 |
| Total domestic deposits to total assets | 86.8910% | 1,668 |
| Equity capital to assets | 12.0582% | 2,101 |
| Core capital (leverage) ratio | 11.8088% | 1,890 |
| Tier 1 risk-based capital ratio | 16.6444% | 2,169 |
| Total risk-based capital ratio | 17.8984% | 2,103 |
| Memoranda: | ||
| Average total assets | $121,414,200 | 3,678 |
| Average earning assets | $113,043,200 | 3,661 |
| Average equity | $14,026,400 | 3,746 |
| Average total loans | $75,189,000 | 3,676 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 2,325 |
| Cost of funding earning assets | 0.4962% | 4,153 |
| Net interest margin | 4.2330% | 1,297 |
| Noninterest income to average assets | 0.7261% | 1,679 |
| Noninterest expense to average assets | 3.1078% | 1,698 |
| Loan and lease loss provision to assets | 0.0495% | 2,908 |
| Net operating income to assets | 1.1868% | 2,245 |
| Return on assets (ROA) | 1.1859% | 2,322 |
| Pretax return on assets | 1.5093% | 1,926 |
| Return on Equity (ROE) | 10.3801% | 2,256 |
| Retained earnings to average equity (ytd only) | 7.8187% | 1,487 |
| Net charge-offs to loans | 0.0369% | 2,348 |
| Credit loss provision to net charge-offs | 214.2857% | 1,243 |
| Earnings coverage of net charge-offs (x) | 67.5221% | 983 |
| Efficiency ratio | 66.5802% | 2,654 |
| Assets per employee ($millions) | 5.3254% | 2,186 |
| Cash dividends to net income (ytd only)* | 24.6754% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 1,057 |
| Loan loss allowance to noncurrent loans | 276.2014% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 3,077 |
| Noncurrent loans to loans | 0.5691% | 2,592 |
| Net loans and leases to total assets | 61.7068% | 3,521 |
| Net loans and leases to deposits | 70.8045% | 3,704 |
| Net loans and leases to core deposits | 85.0745% | 2,985 |
| Total domestic deposits to total assets | 87.1510% | 1,447 |
| Equity capital to assets | 11.8171% | 2,404 |
| Core capital (leverage) ratio | 11.8731% | 1,945 |
| Tier 1 risk-based capital ratio | 15.8802% | 2,480 |
| Total risk-based capital ratio | 17.1317% | 2,412 |
| Memoranda: | ||
| Average total assets | $121,197,250 | 3,715 |
| Average earning assets | $112,857,500 | 3,699 |
| Average equity | $13,846,750 | 3,807 |
| Average total loans | $75,817,000 | 3,709 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 2,307 |
| Cost of funding earning assets | 0.4888% | 4,167 |
| Net interest margin | 4.2288% | 1,290 |
| Noninterest income to average assets | 0.6955% | 1,735 |
| Noninterest expense to average assets | 3.1664% | 1,576 |
| Loan and lease loss provision to assets | 0.0497% | 2,827 |
| Net operating income to assets | 1.1212% | 2,441 |
| Return on assets (ROA) | 1.1212% | 2,515 |
| Pretax return on assets | 1.4192% | 2,145 |
| Return on Equity (ROE) | 9.9284% | 2,422 |
| Retained earnings to average equity (ytd only) | 6.0274% | 2,271 |
| Net charge-offs to loans | 0.0344% | 2,173 |
| Credit loss provision to net charge-offs | 230.7692% | 1,086 |
| Earnings coverage of net charge-offs (x) | 68.2308% | 911 |
| Efficiency ratio | 68.3101% | 2,483 |
| Assets per employee ($millions) | 5.1833% | 2,271 |
| Cash dividends to net income (ytd only)* | 39.2910% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 1,053 |
| Loan loss allowance to noncurrent loans | 295.5665% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 3,173 |
| Noncurrent loans to loans | 0.5371% | 2,665 |
| Net loans and leases to total assets | 62.4049% | 3,500 |
| Net loans and leases to deposits | 71.5477% | 3,719 |
| Net loans and leases to core deposits | 85.2422% | 3,014 |
| Total domestic deposits to total assets | 87.2214% | 1,485 |
| Equity capital to assets | 11.8039% | 2,340 |
| Core capital (leverage) ratio | 11.6538% | 2,055 |
| Tier 1 risk-based capital ratio | 15.6972% | 2,550 |
| Total risk-based capital ratio | 16.9486% | 2,483 |
| Memoranda: | ||
| Average total assets | $120,768,330 | 3,747 |
| Average earning assets | $112,513,000 | 3,729 |
| Average equity | $13,637,670 | 3,838 |
| Average total loans | $75,493,330 | 3,739 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 2,432 |
| Cost of funding earning assets | 0.4662% | 4,219 |
| Net interest margin | 4.1679% | 1,379 |
| Noninterest income to average assets | 0.6812% | 1,678 |
| Noninterest expense to average assets | 3.2943% | 1,295 |
| Loan and lease loss provision to assets | 0.0494% | 2,673 |
| Net operating income to assets | 0.9741% | 2,955 |
| Return on assets (ROA) | 0.9741% | 2,995 |
| Pretax return on assets | 1.2209% | 2,728 |
| Return on Equity (ROE) | 8.8223% | 2,885 |
| Retained earnings to average equity (ytd only) | 0.8942% | 4,339 |
| Net charge-offs to loans | 0.0106% | 2,306 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 402 |
| Efficiency ratio | 72.1702% | 2,016 |
| Assets per employee ($millions) | 5.3190% | 2,150 |
| Cash dividends to net income (ytd only)* | 89.8649% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 1,059 |
| Loan loss allowance to noncurrent loans | 299.0000% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 3,291 |
| Noncurrent loans to loans | 0.5351% | 2,707 |
| Net loans and leases to total assets | 60.1274% | 3,697 |
| Net loans and leases to deposits | 68.3472% | 3,900 |
| Net loans and leases to core deposits | 80.6336% | 3,309 |
| Total domestic deposits to total assets | 87.9734% | 1,349 |
| Equity capital to assets | 11.0612% | 2,790 |
| Core capital (leverage) ratio | 11.3516% | 2,242 |
| Tier 1 risk-based capital ratio | 15.4578% | 2,672 |
| Total risk-based capital ratio | 16.7089% | 2,583 |
| Memoranda: | ||
| Average total assets | $121,545,000 | 3,774 |
| Average earning assets | $113,246,500 | 3,761 |
| Average equity | $13,420,500 | 3,886 |
| Average total loans | $75,442,000 | 3,775 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 2,206 |
| Cost of funding earning assets | 0.4213% | 3,849 |
| Net interest margin | 4.1552% | 1,516 |
| Noninterest income to average assets | 0.7357% | 1,706 |
| Noninterest expense to average assets | 3.0526% | 1,921 |
| Loan and lease loss provision to assets | 0.2836% | 581 |
| Net operating income to assets | 1.0651% | 2,738 |
| Return on assets (ROA) | 1.0651% | 2,721 |
| Pretax return on assets | 1.2795% | 2,580 |
| Return on Equity (ROE) | 9.6810% | 2,649 |
| Retained earnings to average equity (ytd only) | 7.6222% | 1,405 |
| Net charge-offs to loans | 0.0251% | 2,903 |
| Credit loss provision to net charge-offs | 1,726.3158% | 249 |
| Earnings coverage of net charge-offs (x) | 95.1579% | 759 |
| Efficiency ratio | 66.1360% | 2,852 |
| Assets per employee ($millions) | 5.2521% | 2,201 |
| Cash dividends to net income (ytd only)* | 21.2662% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,135 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.9586% | 493 |
| Noncurrent loans to loans | 3.1078% | 316 |
| Net loans and leases to total assets | 62.0432% | 3,560 |
| Net loans and leases to deposits | 70.5569% | 3,789 |
| Net loans and leases to core deposits | 83.0401% | 3,177 |
| Total domestic deposits to total assets | 87.9336% | 1,325 |
| Equity capital to assets | 11.0548% | 2,630 |
| Core capital (leverage) ratio | 11.5161% | 2,091 |
| Tier 1 risk-based capital ratio | 15.0305% | 2,819 |
| Total risk-based capital ratio | 16.2812% | 2,752 |
| Memoranda: | ||
| Average total assets | $115,673,200 | 3,858 |
| Average earning assets | $108,008,400 | 3,837 |
| Average equity | $12,726,000 | 3,928 |
| Average total loans | $75,821,800 | 3,754 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 2,191 |
| Cost of funding earning assets | 0.4135% | 3,767 |
| Net interest margin | 4.1162% | 1,581 |
| Noninterest income to average assets | 0.7238% | 1,776 |
| Noninterest expense to average assets | 3.1109% | 1,734 |
| Loan and lease loss provision to assets | 0.1795% | 1,009 |
| Net operating income to assets | 1.0315% | 2,953 |
| Return on assets (ROA) | 1.0315% | 2,964 |
| Pretax return on assets | 1.2856% | 2,677 |
| Return on Equity (ROE) | 9.3879% | 2,908 |
| Retained earnings to average equity (ytd only) | 6.6087% | 2,329 |
| Net charge-offs to loans | 0.0106% | 3,045 |
| Credit loss provision to net charge-offs | 2,566.6667% | 162 |
| Earnings coverage of net charge-offs (x) | 209.4950% | 427 |
| Efficiency ratio | 67.9827% | 2,543 |
| Assets per employee ($millions) | 5.0339% | 2,427 |
| Cash dividends to net income (ytd only)* | 29.6041% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 1,932 |
| Loan loss allowance to noncurrent loans | 220.4741% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 3,082 |
| Noncurrent loans to loans | 0.6063% | 2,563 |
| Net loans and leases to total assets | 65.2130% | 3,286 |
| Net loans and leases to deposits | 74.3271% | 3,565 |
| Net loans and leases to core deposits | 89.2439% | 2,725 |
| Total domestic deposits to total assets | 87.7378% | 1,368 |
| Equity capital to assets | 11.1143% | 2,553 |
| Core capital (leverage) ratio | 11.0647% | 2,518 |
| Tier 1 risk-based capital ratio | 14.8821% | 2,935 |
| Total risk-based capital ratio | 16.0359% | 2,897 |
| Memoranda: | ||
| Average total assets | $114,392,000 | 3,918 |
| Average earning assets | $107,053,750 | 3,898 |
| Average equity | $12,569,000 | 3,975 |
| Average total loans | $75,744,750 | 3,791 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 2,335 |
| Cost of funding earning assets | 0.3889% | 3,816 |
| Net interest margin | 4.0356% | 1,741 |
| Noninterest income to average assets | 0.7092% | 1,837 |
| Noninterest expense to average assets | 3.0791% | 1,838 |
| Loan and lease loss provision to assets | 0.1773% | 1,023 |
| Net operating income to assets | 0.9866% | 3,081 |
| Return on assets (ROA) | 0.9866% | 3,082 |
| Pretax return on assets | 1.2236% | 2,855 |
| Return on Equity (ROE) | 9.0141% | 3,012 |
| Retained earnings to average equity (ytd only) | 4.8118% | 3,178 |
| Net charge-offs to loans | -0.0079% | 4,236 |
| Credit loss provision to net charge-offs | -3,366.6667% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7304% | 2,524 |
| Assets per employee ($millions) | 5.1026% | 2,289 |
| Cash dividends to net income (ytd only)* | 46.6192% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,228 |
| Loan loss allowance to noncurrent loans | 115.7396% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 1,873 |
| Noncurrent loans to loans | 1.1125% | 1,583 |
| Net loans and leases to total assets | 63.8894% | 3,416 |
| Net loans and leases to deposits | 72.4535% | 3,677 |
| Net loans and leases to core deposits | 87.0605% | 2,815 |
| Total domestic deposits to total assets | 88.1799% | 1,285 |
| Equity capital to assets | 10.7627% | 2,875 |
| Core capital (leverage) ratio | 11.2096% | 2,340 |
| Tier 1 risk-based capital ratio | 14.5292% | 3,102 |
| Total risk-based capital ratio | 15.6330% | 3,088 |
| Memoranda: | ||
| Average total assets | $113,929,670 | 3,950 |
| Average earning assets | $106,451,330 | 3,939 |
| Average equity | $12,469,330 | 4,014 |
| Average total loans | $75,484,330 | 3,823 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 2,293 |
| Cost of funding earning assets | 0.3671% | 3,858 |
| Net interest margin | 4.0033% | 1,720 |
| Noninterest income to average assets | 0.6844% | 1,895 |
| Noninterest expense to average assets | 3.0727% | 1,894 |
| Loan and lease loss provision to assets | 0.1675% | 1,059 |
| Net operating income to assets | 0.9553% | 3,048 |
| Return on assets (ROA) | 0.9553% | 3,066 |
| Pretax return on assets | 1.1763% | 2,859 |
| Return on Equity (ROE) | 8.6532% | 3,087 |
| Retained earnings to average equity (ytd only) | 0.1937% | 4,779 |
| Net charge-offs to loans | -0.0159% | 4,441 |
| Credit loss provision to net charge-offs | -1,566.6667% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5722% | 2,558 |
| Assets per employee ($millions) | 4.9114% | 2,591 |
| Cash dividends to net income (ytd only)* | 97.7612% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,681 |
| Loan loss allowance to noncurrent loans | 47.6043% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.8050% | 673 |
| Noncurrent loans to loans | 2.5645% | 521 |
| Net loans and leases to total assets | 66.1845% | 3,007 |
| Net loans and leases to deposits | 75.3343% | 3,287 |
| Net loans and leases to core deposits | 90.8157% | 2,387 |
| Total domestic deposits to total assets | 87.8544% | 1,699 |
| Equity capital to assets | 10.9284% | 2,652 |
| Core capital (leverage) ratio | 11.4303% | 2,065 |
| Tier 1 risk-based capital ratio | 14.2201% | 3,269 |
| Total risk-based capital ratio | 15.2648% | 3,288 |
| Memoranda: | ||
| Average total assets | $112,215,000 | 4,025 |
| Average earning assets | $104,615,000 | 4,018 |
| Average equity | $12,388,500 | 4,063 |
| Average total loans | $75,247,500 | 3,862 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 2,179 |
| Cost of funding earning assets | 0.3335% | 3,843 |
| Net interest margin | 4.0165% | 1,702 |
| Noninterest income to average assets | 0.7075% | 1,929 |
| Noninterest expense to average assets | 3.0364% | 2,053 |
| Loan and lease loss provision to assets | 0.0606% | 3,022 |
| Net operating income to assets | 0.9391% | 2,496 |
| Return on assets (ROA) | 0.9391% | 2,536 |
| Pretax return on assets | 1.3589% | 2,129 |
| Return on Equity (ROE) | 8.5510% | 2,518 |
| Retained earnings to average equity (ytd only) | 6.9693% | 1,088 |
| Net charge-offs to loans | 0.2437% | 1,068 |
| Credit loss provision to net charge-offs | 38.5057% | 3,452 |
| Earnings coverage of net charge-offs (x) | 9.0172% | 2,833 |
| Efficiency ratio | 68.1421% | 2,871 |
| Assets per employee ($millions) | 5.0684% | 2,401 |
| Cash dividends to net income (ytd only)* | 18.4971% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,967 |
| Loan loss allowance to noncurrent loans | 235.5795% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 3,183 |
| Noncurrent loans to loans | 0.4959% | 3,038 |
| Net loans and leases to total assets | 66.3047% | 3,057 |
| Net loans and leases to deposits | 77.4208% | 3,178 |
| Net loans and leases to core deposits | 91.1841% | 2,440 |
| Total domestic deposits to total assets | 85.6419% | 2,597 |
| Equity capital to assets | 11.1834% | 2,445 |
| Core capital (leverage) ratio | 11.4579% | 1,968 |
| Tier 1 risk-based capital ratio | 14.5866% | 3,049 |
| Total risk-based capital ratio | 15.5974% | 3,078 |
| Memoranda: | ||
| Average total assets | $110,527,200 | 4,051 |
| Average earning assets | $103,148,400 | 4,043 |
| Average equity | $12,139,000 | 4,118 |
| Average total loans | $71,388,000 | 3,931 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 2,115 |
| Cost of funding earning assets | 0.3272% | 3,872 |
| Net interest margin | 4.0211% | 1,628 |
| Noninterest income to average assets | 0.6915% | 2,035 |
| Noninterest expense to average assets | 3.0358% | 2,015 |
| Loan and lease loss provision to assets | 0.0605% | 2,876 |
| Net operating income to assets | 0.9732% | 2,674 |
| Return on assets (ROA) | 0.9732% | 2,727 |
| Pretax return on assets | 1.3541% | 2,266 |
| Return on Equity (ROE) | 8.9025% | 2,663 |
| Retained earnings to average equity (ytd only) | 6.7791% | 1,806 |
| Net charge-offs to loans | 0.1304% | 1,484 |
| Credit loss provision to net charge-offs | 72.4638% | 2,674 |
| Earnings coverage of net charge-offs (x) | 16.9561% | 2,138 |
| Efficiency ratio | 68.2152% | 2,839 |
| Assets per employee ($millions) | 4.9693% | 2,490 |
| Cash dividends to net income (ytd only)* | 23.8505% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 2,210 |
| Loan loss allowance to noncurrent loans | 745.7364% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 4,275 |
| Noncurrent loans to loans | 0.1782% | 4,356 |
| Net loans and leases to total assets | 65.3416% | 3,200 |
| Net loans and leases to deposits | 75.8806% | 3,387 |
| Net loans and leases to core deposits | 89.4065% | 2,661 |
| Total domestic deposits to total assets | 86.1110% | 2,262 |
| Equity capital to assets | 11.3772% | 2,489 |
| Core capital (leverage) ratio | 11.3002% | 2,185 |
| Tier 1 risk-based capital ratio | 14.8055% | 3,013 |
| Total risk-based capital ratio | 15.9560% | 2,992 |
| Memoranda: | ||
| Average total assets | $110,282,750 | 4,103 |
| Average earning assets | $103,087,500 | 4,088 |
| Average equity | $12,056,250 | 4,165 |
| Average total loans | $70,533,250 | 3,979 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 1,907 |
| Cost of funding earning assets | 0.3234% | 3,857 |
| Net interest margin | 4.0491% | 1,463 |
| Noninterest income to average assets | 0.6727% | 2,113 |
| Noninterest expense to average assets | 3.0361% | 2,027 |
| Loan and lease loss provision to assets | 0.0597% | 2,772 |
| Net operating income to assets | 0.9765% | 2,543 |
| Return on assets (ROA) | 0.9765% | 2,589 |
| Pretax return on assets | 1.3580% | 2,173 |
| Return on Equity (ROE) | 9.0536% | 2,489 |
| Retained earnings to average equity (ytd only) | 5.8345% | 2,207 |
| Net charge-offs to loans | 0.3404% | 592 |
| Credit loss provision to net charge-offs | 27.7311% | 2,741 |
| Earnings coverage of net charge-offs (x) | 6.5882% | 2,688 |
| Efficiency ratio | 68.1689% | 2,983 |
| Assets per employee ($millions) | 4.9601% | 2,439 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,524 |
| Loan loss allowance to noncurrent loans | 552.4691% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 4,581 |
| Noncurrent loans to loans | 0.2313% | 4,200 |
| Net loans and leases to total assets | 63.3634% | 3,473 |
| Net loans and leases to deposits | 72.8184% | 3,663 |
| Net loans and leases to core deposits | 85.6463% | 2,914 |
| Total domestic deposits to total assets | 87.0156% | 1,945 |
| Equity capital to assets | 11.1681% | 2,637 |
| Core capital (leverage) ratio | 11.0978% | 2,318 |
| Tier 1 risk-based capital ratio | 14.7138% | 3,058 |
| Total risk-based capital ratio | 15.8010% | 3,057 |
| Memoranda: | ||
| Average total assets | $110,602,330 | 4,121 |
| Average earning assets | $103,283,330 | 4,112 |
| Average equity | $11,929,000 | 4,200 |
| Average total loans | $69,912,330 | 4,020 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 1,122 |
| Cost of funding earning assets | 0.3201% | 3,853 |
| Net interest margin | 4.2882% | 812 |
| Noninterest income to average assets | 0.6538% | 2,159 |
| Noninterest expense to average assets | 2.8345% | 2,670 |
| Loan and lease loss provision to assets | 0.0575% | 2,654 |
| Net operating income to assets | 1.2322% | 1,424 |
| Return on assets (ROA) | 1.2322% | 1,463 |
| Pretax return on assets | 1.7567% | 891 |
| Return on Equity (ROE) | 11.6271% | 1,357 |
| Retained earnings to average equity (ytd only) | 5.1186% | 2,822 |
| Net charge-offs to loans | 0.1603% | 1,012 |
| Credit loss provision to net charge-offs | 57.1429% | 1,933 |
| Earnings coverage of net charge-offs (x) | 18.0357% | 1,577 |
| Efficiency ratio | 60.9737% | 4,325 |
| Assets per employee ($millions) | 4.9903% | 2,461 |
| Cash dividends to net income (ytd only)* | 55.9767% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 2,054 |
| Loan loss allowance to noncurrent loans | 136.4789% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 2,698 |
| Noncurrent loans to loans | 1.0282% | 2,002 |
| Net loans and leases to total assets | 62.0137% | 3,530 |
| Net loans and leases to deposits | 70.4910% | 3,743 |
| Net loans and leases to core deposits | 83.0078% | 2,994 |
| Total domestic deposits to total assets | 87.9740% | 1,731 |
| Equity capital to assets | 10.8638% | 2,786 |
| Core capital (leverage) ratio | 10.5951% | 2,796 |
| Tier 1 risk-based capital ratio | 14.5967% | 3,159 |
| Total risk-based capital ratio | 15.7835% | 3,113 |
| Memoranda: | ||
| Average total assets | $111,342,000 | 4,146 |
| Average earning assets | $103,725,500 | 4,138 |
| Average equity | $11,800,000 | 4,249 |
| Average total loans | $69,849,000 | 4,057 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 3,895 |
| Cost of funding earning assets | 0.3296% | 3,751 |
| Net interest margin | 3.4763% | 3,518 |
| Noninterest income to average assets | 0.6946% | 2,200 |
| Noninterest expense to average assets | 2.9697% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7200% | 3,689 |
| Return on assets (ROA) | 0.7193% | 3,809 |
| Pretax return on assets | 0.9673% | 3,593 |
| Return on Equity (ROE) | 6.7931% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.2201% | 2,190 |
| Net charge-offs to loans | 0.0215% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 75.5714% | 745 |
| Efficiency ratio | 75.4125% | 2,075 |
| Assets per employee ($millions) | 5.1319% | 2,248 |
| Cash dividends to net income (ytd only)* | 23.1552% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 2,130 |
| Loan loss allowance to noncurrent loans | 541.9890% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 4,680 |
| Noncurrent loans to loans | 0.2562% | 4,235 |
| Net loans and leases to total assets | 61.7040% | 3,647 |
| Net loans and leases to deposits | 74.5886% | 3,457 |
| Net loans and leases to core deposits | 88.7147% | 2,610 |
| Total domestic deposits to total assets | 82.7257% | 3,850 |
| Equity capital to assets | 10.3373% | 3,343 |
| Core capital (leverage) ratio | 10.6372% | 2,734 |
| Tier 1 risk-based capital ratio | 14.0051% | 3,462 |
| Total risk-based capital ratio | 15.1730% | 3,418 |
| Memoranda: | ||
| Average total assets | $109,271,400 | 4,179 |
| Average earning assets | $101,946,600 | 4,169 |
| Average equity | $11,570,600 | 4,324 |
| Average total loans | $65,240,000 | 4,155 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 3,918 |
| Cost of funding earning assets | 0.3290% | 3,790 |
| Net interest margin | 3.4715% | 3,580 |
| Noninterest income to average assets | 0.6804% | 2,260 |
| Noninterest expense to average assets | 3.0305% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6927% | 3,889 |
| Return on assets (ROA) | 0.6927% | 4,024 |
| Pretax return on assets | 0.8957% | 3,990 |
| Return on Equity (ROE) | 6.5017% | 3,841 |
| Retained earnings to average equity (ytd only) | 4.3999% | 3,207 |
| Net charge-offs to loans | 0.0292% | 3,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 51.9893% | 1,040 |
| Efficiency ratio | 77.1858% | 1,809 |
| Assets per employee ($millions) | 5.0900% | 2,266 |
| Cash dividends to net income (ytd only)* | 32.3267% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 2,027 |
| Loan loss allowance to noncurrent loans | 900.0000% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 5,048 |
| Noncurrent loans to loans | 0.1598% | 4,715 |
| Net loans and leases to total assets | 60.0396% | 3,875 |
| Net loans and leases to deposits | 71.2191% | 3,864 |
| Net loans and leases to core deposits | 84.5167% | 3,078 |
| Total domestic deposits to total assets | 84.3027% | 3,095 |
| Equity capital to assets | 10.5366% | 3,523 |
| Core capital (leverage) ratio | 10.4367% | 3,059 |
| Tier 1 risk-based capital ratio | 14.2571% | 3,427 |
| Total risk-based capital ratio | 15.4689% | 3,374 |
| Memoranda: | ||
| Average total assets | $108,363,750 | 4,231 |
| Average earning assets | $101,318,250 | 4,210 |
| Average equity | $11,545,500 | 4,369 |
| Average total loans | $63,888,500 | 4,208 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,043 |
| Cost of funding earning assets | 0.3256% | 3,840 |
| Net interest margin | 3.4479% | 3,695 |
| Noninterest income to average assets | 0.6607% | 2,327 |
| Noninterest expense to average assets | 3.0254% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6066% | 4,241 |
| Return on assets (ROA) | 0.6066% | 4,370 |
| Pretax return on assets | 0.8567% | 4,095 |
| Return on Equity (ROE) | 5.6714% | 4,212 |
| Retained earnings to average equity (ytd only) | 2.4954% | 4,296 |
| Net charge-offs to loans | 0.0929% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.8276% | 1,966 |
| Efficiency ratio | 77.9327% | 1,804 |
| Assets per employee ($millions) | 4.9701% | 2,331 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 1,823 |
| Loan loss allowance to noncurrent loans | 760.6299% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 5,047 |
| Noncurrent loans to loans | 0.1985% | 4,646 |
| Net loans and leases to total assets | 57.6233% | 4,152 |
| Net loans and leases to deposits | 68.2951% | 4,155 |
| Net loans and leases to core deposits | 80.1748% | 3,447 |
| Total domestic deposits to total assets | 84.3739% | 3,129 |
| Equity capital to assets | 10.6774% | 3,431 |
| Core capital (leverage) ratio | 10.2422% | 3,276 |
| Tier 1 risk-based capital ratio | 14.1905% | 3,504 |
| Total risk-based capital ratio | 15.4242% | 3,424 |
| Memoranda: | ||
| Average total assets | $107,158,000 | 4,283 |
| Average earning assets | $100,117,670 | 4,263 |
| Average equity | $11,461,000 | 4,407 |
| Average total loans | $62,446,670 | 4,274 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,066 |
| Cost of funding earning assets | 0.3194% | 3,955 |
| Net interest margin | 3.4488% | 3,671 |
| Noninterest income to average assets | 0.6487% | 2,273 |
| Noninterest expense to average assets | 3.0245% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6637% | 3,909 |
| Return on assets (ROA) | 0.6637% | 4,032 |
| Pretax return on assets | 0.8410% | 4,061 |
| Return on Equity (ROE) | 6.2005% | 3,877 |
| Retained earnings to average equity (ytd only) | -0.2114% | 5,144 |
| Net charge-offs to loans | 0.2529% | 819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.7179% | 2,301 |
| Efficiency ratio | 78.2439% | 1,861 |
| Assets per employee ($millions) | 4.8608% | 2,500 |
| Cash dividends to net income (ytd only)* | 103.4091% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,798 |
| Loan loss allowance to noncurrent loans | 1,225.6410% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 5,258 |
| Noncurrent loans to loans | 0.1263% | 4,969 |
| Net loans and leases to total assets | 56.8675% | 4,164 |
| Net loans and leases to deposits | 64.6747% | 4,372 |
| Net loans and leases to core deposits | 75.5441% | 3,725 |
| Total domestic deposits to total assets | 87.9285% | 1,683 |
| Equity capital to assets | 10.6482% | 3,314 |
| Core capital (leverage) ratio | 10.4515% | 3,018 |
| Tier 1 risk-based capital ratio | 14.6999% | 3,289 |
| Total risk-based capital ratio | 15.9505% | 3,230 |
| Memoranda: | ||
| Average total assets | $106,065,500 | 4,346 |
| Average earning assets | $98,932,000 | 4,322 |
| Average equity | $11,354,000 | 4,438 |
| Average total loans | $61,683,500 | 4,321 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,376 |
| Cost of funding earning assets | 0.3209% | 4,016 |
| Net interest margin | 3.3764% | 4,007 |
| Noninterest income to average assets | 0.6699% | 2,343 |
| Noninterest expense to average assets | 3.0210% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5987% | 4,272 |
| Return on assets (ROA) | 0.5987% | 4,378 |
| Pretax return on assets | 0.7837% | 4,246 |
| Return on Equity (ROE) | 5.6846% | 4,191 |
| Retained earnings to average equity (ytd only) | 4.0450% | 3,138 |
| Net charge-offs to loans | 0.1698% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.9423% | 3,023 |
| Efficiency ratio | 79.4015% | 1,761 |
| Assets per employee ($millions) | 4.7813% | 2,634 |
| Cash dividends to net income (ytd only)* | 28.8431% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 1,564 |
| Loan loss allowance to noncurrent loans | 350.3521% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 4,480 |
| Noncurrent loans to loans | 0.4611% | 3,820 |
| Net loans and leases to total assets | 57.6134% | 4,136 |
| Net loans and leases to deposits | 65.2691% | 4,372 |
| Net loans and leases to core deposits | 77.5173% | 3,605 |
| Total domestic deposits to total assets | 88.2706% | 1,496 |
| Equity capital to assets | 10.7587% | 3,068 |
| Core capital (leverage) ratio | 10.4359% | 3,007 |
| Tier 1 risk-based capital ratio | 14.8687% | 3,234 |
| Total risk-based capital ratio | 16.1200% | 3,172 |
| Memoranda: | ||
| Average total assets | $105,394,200 | 4,351 |
| Average earning assets | $97,855,200 | 4,340 |
| Average equity | $11,100,200 | 4,462 |
| Average total loans | $61,231,600 | 4,344 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 4,626 |
| Cost of funding earning assets | 0.3170% | 4,141 |
| Net interest margin | 3.3186% | 4,267 |
| Noninterest income to average assets | 0.6613% | 2,422 |
| Noninterest expense to average assets | 3.0296% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5804% | 4,473 |
| Return on assets (ROA) | 0.5804% | 4,573 |
| Pretax return on assets | 0.7157% | 4,626 |
| Return on Equity (ROE) | 5.5403% | 4,382 |
| Retained earnings to average equity (ytd only) | 3.3435% | 4,093 |
| Net charge-offs to loans | 0.0829% | 2,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 14.8934% | 2,219 |
| Efficiency ratio | 80.8913% | 1,533 |
| Assets per employee ($millions) | 4.8253% | 2,525 |
| Cash dividends to net income (ytd only)* | 39.6516% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 1,540 |
| Loan loss allowance to noncurrent loans | 260.6880% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 4,207 |
| Noncurrent loans to loans | 0.6422% | 3,396 |
| Net loans and leases to total assets | 58.6970% | 4,055 |
| Net loans and leases to deposits | 66.3886% | 4,347 |
| Net loans and leases to core deposits | 77.8401% | 3,622 |
| Total domestic deposits to total assets | 88.4143% | 1,329 |
| Equity capital to assets | 10.6041% | 3,467 |
| Core capital (leverage) ratio | 10.3758% | 3,182 |
| Tier 1 risk-based capital ratio | 14.5204% | 3,560 |
| Total risk-based capital ratio | 15.7722% | 3,477 |
| Memoranda: | ||
| Average total assets | $105,445,500 | 4,394 |
| Average earning assets | $97,989,750 | 4,383 |
| Average equity | $11,046,000 | 4,521 |
| Average total loans | $61,140,000 | 4,394 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 4,824 |
| Cost of funding earning assets | 0.3153% | 4,217 |
| Net interest margin | 3.2488% | 4,506 |
| Noninterest income to average assets | 0.6541% | 2,455 |
| Noninterest expense to average assets | 3.0216% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5153% | 4,698 |
| Return on assets (ROA) | 0.5153% | 4,806 |
| Pretax return on assets | 0.6503% | 4,823 |
| Return on Equity (ROE) | 4.9382% | 4,644 |
| Retained earnings to average equity (ytd only) | 1.6218% | 4,887 |
| Net charge-offs to loans | 0.1457% | 1,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.7727% | 2,634 |
| Efficiency ratio | 82.2890% | 1,448 |
| Assets per employee ($millions) | 4.5673% | 2,875 |
| Cash dividends to net income (ytd only)* | 67.1587% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 1,664 |
| Loan loss allowance to noncurrent loans | 5,552.6316% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,790 |
| Noncurrent loans to loans | 0.0302% | 5,632 |
| Net loans and leases to total assets | 58.8221% | 4,002 |
| Net loans and leases to deposits | 66.4080% | 4,299 |
| Net loans and leases to core deposits | 78.2256% | 3,553 |
| Total domestic deposits to total assets | 88.5768% | 1,372 |
| Equity capital to assets | 10.4799% | 3,462 |
| Core capital (leverage) ratio | 10.3672% | 3,123 |
| Tier 1 risk-based capital ratio | 14.8453% | 3,451 |
| Total risk-based capital ratio | 16.0977% | 3,382 |
| Memoranda: | ||
| Average total assets | $105,177,330 | 4,441 |
| Average earning assets | $97,697,330 | 4,429 |
| Average equity | $10,975,670 | 4,567 |
| Average total loans | $60,396,000 | 4,452 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 5,016 |
| Cost of funding earning assets | 0.3113% | 4,317 |
| Net interest margin | 3.1703% | 4,712 |
| Noninterest income to average assets | 0.6423% | 2,440 |
| Noninterest expense to average assets | 2.9684% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5473% | 4,487 |
| Return on assets (ROA) | 0.5473% | 4,601 |
| Pretax return on assets | 0.6157% | 4,873 |
| Return on Equity (ROE) | 5.2560% | 4,399 |
| Retained earnings to average equity (ytd only) | -1.3870% | 5,601 |
| Net charge-offs to loans | 0.0406% | 2,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,223 |
| Efficiency ratio | 82.8208% | 1,519 |
| Assets per employee ($millions) | 4.6536% | 2,831 |
| Cash dividends to net income (ytd only)* | 126.3889% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8514% | 1,390 |
| Loan loss allowance to noncurrent loans | 581.3830% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 5,201 |
| Noncurrent loans to loans | 0.3184% | 4,652 |
| Net loans and leases to total assets | 54.1361% | 4,426 |
| Net loans and leases to deposits | 60.9644% | 4,666 |
| Net loans and leases to core deposits | 72.4269% | 3,923 |
| Total domestic deposits to total assets | 88.7996% | 1,390 |
| Equity capital to assets | 10.2530% | 3,828 |
| Core capital (leverage) ratio | 10.3022% | 3,211 |
| Tier 1 risk-based capital ratio | 15.3484% | 3,228 |
| Total risk-based capital ratio | 16.6012% | 3,159 |
| Memoranda: | ||
| Average total assets | $105,241,500 | 4,473 |
| Average earning assets | $97,657,000 | 4,468 |
| Average equity | $10,959,000 | 4,603 |
| Average total loans | $59,170,500 | 4,516 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,730 |
| Cost of funding earning assets | 0.3251% | 4,534 |
| Net interest margin | 3.3916% | 4,232 |
| Noninterest income to average assets | 0.7434% | 2,110 |
| Noninterest expense to average assets | 3.1446% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6223% | 4,263 |
| Return on assets (ROA) | 0.7102% | 3,951 |
| Pretax return on assets | 0.8410% | 4,106 |
| Return on Equity (ROE) | 6.6037% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.9013% | 2,681 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0264% | 1,767 |
| Assets per employee ($millions) | 4.5021% | 3,037 |
| Cash dividends to net income (ytd only)* | 25.7790% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 1,416 |
| Loan loss allowance to noncurrent loans | 1,156.8421% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 5,660 |
| Noncurrent loans to loans | 0.1602% | 5,254 |
| Net loans and leases to total assets | 56.2116% | 4,304 |
| Net loans and leases to deposits | 63.6242% | 4,566 |
| Net loans and leases to core deposits | 74.0902% | 3,910 |
| Total domestic deposits to total assets | 88.3494% | 1,596 |
| Equity capital to assets | 10.6115% | 3,346 |
| Core capital (leverage) ratio | 10.7822% | 2,632 |
| Tier 1 risk-based capital ratio | 15.1769% | 3,396 |
| Total risk-based capital ratio | 16.4303% | 3,342 |
| Memoranda: | ||
| Average total assets | $99,410,000 | 4,615 |
| Average earning assets | $91,961,800 | 4,609 |
| Average equity | $10,691,000 | 4,620 |
| Average total loans | $56,265,200 | 4,606 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 4,837 |
| Cost of funding earning assets | 0.3299% | 4,566 |
| Net interest margin | 3.3765% | 4,330 |
| Noninterest income to average assets | 0.6695% | 2,476 |
| Noninterest expense to average assets | 3.1891% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5409% | 4,707 |
| Return on assets (ROA) | 0.6763% | 4,162 |
| Pretax return on assets | 0.7522% | 4,521 |
| Return on Equity (ROE) | 6.2667% | 4,099 |
| Retained earnings to average equity (ytd only) | 3.9811% | 3,817 |
| Net charge-offs to loans | 0.0048% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 221.7191% | 294 |
| Efficiency ratio | 84.1258% | 1,376 |
| Assets per employee ($millions) | 4.2333% | 3,413 |
| Cash dividends to net income (ytd only)* | 36.4727% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 1,630 |
| Loan loss allowance to noncurrent loans | 778.0142% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 5,611 |
| Noncurrent loans to loans | 0.2354% | 5,195 |
| Net loans and leases to total assets | 60.3897% | 3,719 |
| Net loans and leases to deposits | 69.8276% | 3,936 |
| Net loans and leases to core deposits | 80.4992% | 3,255 |
| Total domestic deposits to total assets | 86.4840% | 2,594 |
| Equity capital to assets | 11.1035% | 2,858 |
| Core capital (leverage) ratio | 10.8349% | 2,656 |
| Tier 1 risk-based capital ratio | 14.7167% | 3,750 |
| Total risk-based capital ratio | 15.9699% | 3,687 |
| Memoranda: | ||
| Average total assets | $98,375,500 | 4,688 |
| Average earning assets | $90,940,250 | 4,675 |
| Average equity | $10,616,750 | 4,667 |
| Average total loans | $55,505,250 | 4,673 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 5,019 |
| Cost of funding earning assets | 0.3252% | 4,701 |
| Net interest margin | 3.3228% | 4,497 |
| Noninterest income to average assets | 0.6463% | 2,565 |
| Noninterest expense to average assets | 3.2093% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4482% | 5,023 |
| Return on assets (ROA) | 0.6484% | 4,209 |
| Pretax return on assets | 0.7253% | 4,549 |
| Return on Equity (ROE) | 6.0652% | 4,118 |
| Retained earnings to average equity (ytd only) | 2.6156% | 4,536 |
| Net charge-offs to loans | 0.0037% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 272 |
| Efficiency ratio | 86.5101% | 1,224 |
| Assets per employee ($millions) | 4.2662% | 3,342 |
| Cash dividends to net income (ytd only)* | 56.8750% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9456% | 1,470 |
| Loan loss allowance to noncurrent loans | 1,372.5000% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 5,928 |
| Noncurrent loans to loans | 0.1418% | 5,577 |
| Net loans and leases to total assets | 56.3966% | 4,222 |
| Net loans and leases to deposits | 65.5617% | 4,314 |
| Net loans and leases to core deposits | 75.8055% | 3,642 |
| Total domestic deposits to total assets | 86.0206% | 3,026 |
| Equity capital to assets | 10.8598% | 3,020 |
| Core capital (leverage) ratio | 10.4527% | 3,007 |
| Tier 1 risk-based capital ratio | 14.7079% | 3,807 |
| Total risk-based capital ratio | 15.9620% | 3,758 |
| Memoranda: | ||
| Average total assets | $98,712,000 | 4,712 |
| Average earning assets | $91,008,330 | 4,703 |
| Average equity | $10,552,000 | 4,694 |
| Average total loans | $54,041,670 | 4,746 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5484% | 5,301 |
| Cost of funding earning assets | 0.3242% | 4,804 |
| Net interest margin | 3.2242% | 4,843 |
| Noninterest income to average assets | 0.6101% | 2,675 |
| Noninterest expense to average assets | 3.0139% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5899% | 4,236 |
| Return on assets (ROA) | 0.5899% | 4,314 |
| Pretax return on assets | 0.5697% | 4,936 |
| Return on Equity (ROE) | 5.5619% | 4,251 |
| Retained earnings to average equity (ytd only) | -1.3714% | 5,778 |
| Net charge-offs to loans | 0.0151% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 589 |
| Efficiency ratio | 84.1037% | 1,661 |
| Assets per employee ($millions) | 4.3594% | 3,230 |
| Cash dividends to net income (ytd only)* | 124.6575% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0872% | 1,352 |
| Loan loss allowance to noncurrent loans | 580.4233% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 5,100 |
| Noncurrent loans to loans | 0.3596% | 5,044 |
| Net loans and leases to total assets | 51.3250% | 4,748 |
| Net loans and leases to deposits | 57.9370% | 4,956 |
| Net loans and leases to core deposits | 66.4454% | 4,453 |
| Total domestic deposits to total assets | 88.5875% | 1,899 |
| Equity capital to assets | 10.4780% | 3,262 |
| Core capital (leverage) ratio | 10.4430% | 3,002 |
| Tier 1 risk-based capital ratio | 15.1704% | 3,624 |
| Total risk-based capital ratio | 16.4251% | 3,579 |
| Memoranda: | ||
| Average total assets | $99,006,500 | 4,756 |
| Average earning assets | $91,310,000 | 4,742 |
| Average equity | $10,500,000 | 4,727 |
| Average total loans | $52,844,500 | 4,829 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5426% | 5,553 |
| Cost of funding earning assets | 0.3463% | 5,181 |
| Net interest margin | 3.1964% | 5,015 |
| Noninterest income to average assets | 0.7309% | 2,375 |
| Noninterest expense to average assets | 2.9257% | 3,292 |
| Loan and lease loss provision to assets | -0.6224% | 6,765 |
| Net operating income to assets | 1.0511% | 2,115 |
| Return on assets (ROA) | 1.0511% | 2,184 |
| Pretax return on assets | 1.3733% | 1,890 |
| Return on Equity (ROE) | 9.8155% | 2,185 |
| Retained earnings to average equity (ytd only) | 9.8155% | 589 |
| Net charge-offs to loans | -0.2076% | 6,618 |
| Credit loss provision to net charge-offs | 591.0000% | 400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5761% | 2,225 |
| Assets per employee ($millions) | 4.2498% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 1,398 |
| Loan loss allowance to noncurrent loans | 1,099.0000% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 5,446 |
| Noncurrent loans to loans | 0.1882% | 5,633 |
| Net loans and leases to total assets | 53.2308% | 4,692 |
| Net loans and leases to deposits | 61.9336% | 4,734 |
| Net loans and leases to core deposits | 71.9883% | 4,067 |
| Total domestic deposits to total assets | 85.9483% | 3,284 |
| Equity capital to assets | 10.7360% | 2,889 |
| Core capital (leverage) ratio | 10.5425% | 2,863 |
| Tier 1 risk-based capital ratio | 15.3317% | 3,461 |
| Total risk-based capital ratio | 16.5862% | 3,415 |
| Memoranda: | ||
| Average total assets | $94,951,400 | 4,870 |
| Average earning assets | $87,505,400 | 4,841 |
| Average equity | $10,167,600 | 4,807 |
| Average total loans | $48,170,200 | 5,021 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5131% | 5,654 |
| Cost of funding earning assets | 0.3489% | 5,304 |
| Net interest margin | 3.1642% | 5,101 |
| Noninterest income to average assets | 0.6366% | 2,944 |
| Noninterest expense to average assets | 2.8221% | 3,588 |
| Loan and lease loss provision to assets | -0.8360% | 6,863 |
| Net operating income to assets | 1.1770% | 1,712 |
| Return on assets (ROA) | 1.1770% | 1,779 |
| Pretax return on assets | 1.5631% | 1,434 |
| Return on Equity (ROE) | 10.9985% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.9985% | 575 |
| Net charge-offs to loans | -0.2898% | 6,721 |
| Credit loss provision to net charge-offs | 579.4118% | 488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5138% | 2,178 |
| Assets per employee ($millions) | 4.1864% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2804% | 1,212 |
| Loan loss allowance to noncurrent loans | 949.1379% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 5,552 |
| Noncurrent loans to loans | 0.2403% | 5,638 |
| Net loans and leases to total assets | 48.9993% | 5,246 |
| Net loans and leases to deposits | 55.5726% | 5,406 |
| Net loans and leases to core deposits | 63.4959% | 4,948 |
| Total domestic deposits to total assets | 88.1718% | 2,016 |
| Equity capital to assets | 10.7782% | 2,974 |
| Core capital (leverage) ratio | 10.6930% | 2,801 |
| Tier 1 risk-based capital ratio | 15.9607% | 3,215 |
| Total risk-based capital ratio | 17.2167% | 3,168 |
| Memoranda: | ||
| Average total assets | $94,252,750 | 4,931 |
| Average earning assets | $86,759,250 | 4,905 |
| Average equity | $10,086,000 | 4,876 |
| Average total loans | $46,930,250 | 5,117 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5117% | 5,667 |
| Cost of funding earning assets | 0.3502% | 5,405 |
| Net interest margin | 3.1615% | 5,080 |
| Noninterest income to average assets | 0.5856% | 3,282 |
| Noninterest expense to average assets | 2.8448% | 3,534 |
| Loan and lease loss provision to assets | -1.2632% | 6,925 |
| Net operating income to assets | 1.3786% | 1,121 |
| Return on assets (ROA) | 1.3786% | 1,208 |
| Pretax return on assets | 1.9172% | 725 |
| Return on Equity (ROE) | 12.9146% | 1,261 |
| Retained earnings to average equity (ytd only) | 12.9146% | 392 |
| Net charge-offs to loans | -0.4346% | 6,814 |
| Credit loss provision to net charge-offs | 585.1485% | 495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3073% | 1,991 |
| Assets per employee ($millions) | 4.3412% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3448% | 1,182 |
| Loan loss allowance to noncurrent loans | 441.7671% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 5,122 |
| Noncurrent loans to loans | 0.5308% | 4,937 |
| Net loans and leases to total assets | 47.9687% | 5,331 |
| Net loans and leases to deposits | 54.1224% | 5,511 |
| Net loans and leases to core deposits | 61.8860% | 5,100 |
| Total domestic deposits to total assets | 88.6300% | 1,826 |
| Equity capital to assets | 10.5554% | 3,233 |
| Core capital (leverage) ratio | 10.6198% | 2,742 |
| Tier 1 risk-based capital ratio | 16.3453% | 3,011 |
| Total risk-based capital ratio | 17.6032% | 2,965 |
| Memoranda: | ||
| Average total assets | $93,574,670 | 4,972 |
| Average earning assets | $86,225,670 | 4,944 |
| Average equity | $9,988,670 | 4,941 |
| Average total loans | $46,480,000 | 5,159 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5196% | 5,658 |
| Cost of funding earning assets | 0.3468% | 5,567 |
| Net interest margin | 3.1728% | 5,021 |
| Noninterest income to average assets | 0.5745% | 3,276 |
| Noninterest expense to average assets | 2.9371% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6220% | 4,109 |
| Return on assets (ROA) | 0.6220% | 4,267 |
| Pretax return on assets | 0.5615% | 5,074 |
| Return on Equity (ROE) | 5.7933% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.7933% | 2,786 |
| Net charge-offs to loans | -0.9597% | 6,926 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9506% | 1,774 |
| Assets per employee ($millions) | 4.2188% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6909% | 363 |
| Loan loss allowance to noncurrent loans | 739.5652% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 5,232 |
| Noncurrent loans to loans | 0.4991% | 5,178 |
| Net loans and leases to total assets | 47.8220% | 5,246 |
| Net loans and leases to deposits | 54.0891% | 5,429 |
| Net loans and leases to core deposits | 62.1134% | 4,945 |
| Total domestic deposits to total assets | 88.4133% | 2,058 |
| Equity capital to assets | 10.7776% | 3,220 |
| Core capital (leverage) ratio | 10.2373% | 3,100 |
| Tier 1 risk-based capital ratio | 16.0240% | 3,253 |
| Total risk-based capital ratio | 17.2940% | 3,199 |
| Memoranda: | ||
| Average total assets | $92,609,000 | 5,036 |
| Average earning assets | $85,351,500 | 5,004 |
| Average equity | $9,942,500 | 4,996 |
| Average total loans | $46,263,500 | 5,212 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 6,270 |
| Cost of funding earning assets | 0.3867% | 6,006 |
| Net interest margin | 3.1812% | 5,615 |
| Noninterest income to average assets | 0.6570% | 2,954 |
| Noninterest expense to average assets | 2.8513% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6876% | 3,796 |
| Return on assets (ROA) | 0.6876% | 4,056 |
| Pretax return on assets | 0.7424% | 4,507 |
| Return on Equity (ROE) | 6.3706% | 3,974 |
| Retained earnings to average equity (ytd only) | 2.4955% | 4,472 |
| Net charge-offs to loans | -0.0653% | 6,752 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3419% | 2,234 |
| Assets per employee ($millions) | 4.4002% | 3,147 |
| Cash dividends to net income (ytd only)* | 60.8280% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4237% | 456 |
| Loan loss allowance to noncurrent loans | 450.4249% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 5,539 |
| Noncurrent loans to loans | 0.7601% | 4,665 |
| Net loans and leases to total assets | 48.5374% | 5,356 |
| Net loans and leases to deposits | 54.7972% | 5,571 |
| Net loans and leases to core deposits | 62.9346% | 5,072 |
| Total domestic deposits to total assets | 88.5764% | 1,855 |
| Equity capital to assets | 10.6942% | 3,288 |
| Core capital (leverage) ratio | 9.7823% | 3,680 |
| Tier 1 risk-based capital ratio | 15.6492% | 3,350 |
| Total risk-based capital ratio | 16.9173% | 3,296 |
| Memoranda: | ||
| Average total assets | $91,326,600 | 5,040 |
| Average earning assets | $84,307,000 | 5,006 |
| Average equity | $9,857,800 | 5,006 |
| Average total loans | $45,974,200 | 5,253 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 6,421 |
| Cost of funding earning assets | 0.3944% | 6,150 |
| Net interest margin | 3.1805% | 5,746 |
| Noninterest income to average assets | 0.6589% | 2,939 |
| Noninterest expense to average assets | 2.8758% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7043% | 3,896 |
| Return on assets (ROA) | 0.7043% | 4,135 |
| Pretax return on assets | 0.7233% | 4,783 |
| Return on Equity (ROE) | 6.5097% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.9518% | 4,103 |
| Net charge-offs to loans | -0.1047% | 6,865 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9024% | 2,107 |
| Assets per employee ($millions) | 3.9861% | 3,899 |
| Cash dividends to net income (ytd only)* | 39.2924% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3769% | 518 |
| Loan loss allowance to noncurrent loans | 81.7623% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 2.2259% | 2,399 |
| Noncurrent loans to loans | 4.1302% | 1,215 |
| Net loans and leases to total assets | 52.0743% | 5,035 |
| Net loans and leases to deposits | 59.3204% | 5,281 |
| Net loans and leases to core deposits | 69.4107% | 4,572 |
| Total domestic deposits to total assets | 87.7848% | 2,182 |
| Equity capital to assets | 11.4170% | 2,831 |
| Core capital (leverage) ratio | 10.5796% | 2,820 |
| Tier 1 risk-based capital ratio | 15.7160% | 3,417 |
| Total risk-based capital ratio | 16.9832% | 3,373 |
| Memoranda: | ||
| Average total assets | $91,057,000 | 5,103 |
| Average earning assets | $84,176,750 | 5,069 |
| Average equity | $9,851,750 | 5,061 |
| Average total loans | $45,857,500 | 5,310 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 6,559 |
| Cost of funding earning assets | 0.4059% | 6,234 |
| Net interest margin | 3.1344% | 5,904 |
| Noninterest income to average assets | 0.6531% | 2,940 |
| Noninterest expense to average assets | 2.8553% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6596% | 4,064 |
| Return on assets (ROA) | 0.6596% | 4,322 |
| Pretax return on assets | 0.6965% | 4,838 |
| Return on Equity (ROE) | 6.2051% | 4,209 |
| Retained earnings to average equity (ytd only) | 6.2051% | 2,566 |
| Net charge-offs to loans | -0.1013% | 6,861 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3910% | 2,111 |
| Assets per employee ($millions) | 3.9971% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4499% | 512 |
| Loan loss allowance to noncurrent loans | 87.6523% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 2.0538% | 2,717 |
| Noncurrent loans to loans | 3.9358% | 1,412 |
| Net loans and leases to total assets | 50.3810% | 5,307 |
| Net loans and leases to deposits | 58.6181% | 5,387 |
| Net loans and leases to core deposits | 68.5200% | 4,725 |
| Total domestic deposits to total assets | 85.9477% | 3,380 |
| Equity capital to assets | 11.3412% | 2,741 |
| Core capital (leverage) ratio | 10.6131% | 2,701 |
| Tier 1 risk-based capital ratio | 15.7923% | 3,283 |
| Total risk-based capital ratio | 17.0605% | 3,231 |
| Memoranda: | ||
| Average total assets | $92,178,000 | 5,109 |
| Average earning assets | $85,246,670 | 5,070 |
| Average equity | $9,798,330 | 5,075 |
| Average total loans | $45,389,330 | 5,362 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4492% | 6,756 |
| Cost of funding earning assets | 0.4214% | 6,305 |
| Net interest margin | 3.0278% | 6,231 |
| Noninterest income to average assets | 0.6617% | 2,859 |
| Noninterest expense to average assets | 2.8081% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6745% | 4,011 |
| Return on assets (ROA) | 0.6745% | 4,226 |
| Pretax return on assets | 0.6575% | 4,918 |
| Return on Equity (ROE) | 6.5493% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.5493% | 2,655 |
| Net charge-offs to loans | -0.0532% | 6,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0282% | 2,072 |
| Assets per employee ($millions) | 3.9379% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4627% | 549 |
| Loan loss allowance to noncurrent loans | 85.5270% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 2.0216% | 2,866 |
| Noncurrent loans to loans | 4.0486% | 1,501 |
| Net loans and leases to total assets | 48.2042% | 5,530 |
| Net loans and leases to deposits | 54.5172% | 5,755 |
| Net loans and leases to core deposits | 63.6364% | 5,159 |
| Total domestic deposits to total assets | 88.4201% | 2,058 |
| Equity capital to assets | 10.8026% | 3,142 |
| Core capital (leverage) ratio | 9.6708% | 3,810 |
| Tier 1 risk-based capital ratio | 15.7224% | 3,329 |
| Total risk-based capital ratio | 16.9896% | 3,286 |
| Memoranda: | ||
| Average total assets | $94,299,000 | 5,094 |
| Average earning assets | $87,325,000 | 5,046 |
| Average equity | $9,711,000 | 5,116 |
| Average total loans | $45,141,000 | 5,409 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8931% | 6,627 |
| Cost of funding earning assets | 0.5750% | 6,212 |
| Net interest margin | 3.3181% | 5,757 |
| Noninterest income to average assets | 0.6359% | 2,972 |
| Noninterest expense to average assets | 2.7353% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7704% | 3,175 |
| Return on assets (ROA) | 1.0274% | 2,246 |
| Pretax return on assets | 1.2862% | 2,187 |
| Return on Equity (ROE) | 10.1162% | 2,023 |
| Retained earnings to average equity (ytd only) | 9.2375% | 738 |
| Net charge-offs to loans | 0.1056% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 17.6531% | 1,258 |
| Efficiency ratio | 73.9222% | 3,248 |
| Assets per employee ($millions) | 4.2620% | 3,337 |
| Cash dividends to net income (ytd only)* | 8.6862% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4623% | 549 |
| Loan loss allowance to noncurrent loans | 83.6013% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.9036% | 3,104 |
| Noncurrent loans to loans | 4.1414% | 1,490 |
| Net loans and leases to total assets | 44.3725% | 6,175 |
| Net loans and leases to deposits | 49.6399% | 6,386 |
| Net loans and leases to core deposits | 59.0871% | 5,927 |
| Total domestic deposits to total assets | 89.3886% | 1,318 |
| Equity capital to assets | 9.8320% | 4,397 |
| Core capital (leverage) ratio | 9.4912% | 4,034 |
| Tier 1 risk-based capital ratio | 16.2196% | 2,948 |
| Total risk-based capital ratio | 17.4886% | 2,905 |
| Memoranda: | ||
| Average total assets | $89,643,200 | 5,192 |
| Average earning assets | $82,787,400 | 5,150 |
| Average equity | $9,104,200 | 5,252 |
| Average total loans | $46,396,600 | 5,404 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 6,549 |
| Cost of funding earning assets | 0.6139% | 6,222 |
| Net interest margin | 3.4111% | 5,538 |
| Noninterest income to average assets | 0.6351% | 2,966 |
| Noninterest expense to average assets | 2.7596% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8457% | 2,957 |
| Return on assets (ROA) | 1.0783% | 2,194 |
| Pretax return on assets | 1.3037% | 2,273 |
| Return on Equity (ROE) | 10.5229% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.3338% | 1,033 |
| Net charge-offs to loans | 0.0542% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 35.3723% | 840 |
| Efficiency ratio | 72.9469% | 3,372 |
| Assets per employee ($millions) | 4.1968% | 3,452 |
| Cash dividends to net income (ytd only)* | 11.2990% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4625% | 586 |
| Loan loss allowance to noncurrent loans | 82.6403% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 2.2739% | 2,818 |
| Noncurrent loans to loans | 4.1899% | 1,567 |
| Net loans and leases to total assets | 50.2996% | 5,674 |
| Net loans and leases to deposits | 56.9897% | 5,938 |
| Net loans and leases to core deposits | 70.2369% | 4,922 |
| Total domestic deposits to total assets | 88.2608% | 1,891 |
| Equity capital to assets | 10.8258% | 3,325 |
| Core capital (leverage) ratio | 9.8026% | 3,704 |
| Tier 1 risk-based capital ratio | 15.4995% | 3,387 |
| Total risk-based capital ratio | 16.7683% | 3,343 |
| Memoranda: | ||
| Average total assets | $87,547,250 | 5,285 |
| Average earning assets | $80,792,250 | 5,252 |
| Average equity | $8,970,750 | 5,315 |
| Average total loans | $46,731,500 | 5,443 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 6,433 |
| Cost of funding earning assets | 0.6414% | 6,267 |
| Net interest margin | 3.4832% | 5,232 |
| Noninterest income to average assets | 0.6182% | 3,014 |
| Noninterest expense to average assets | 2.8528% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7918% | 3,114 |
| Return on assets (ROA) | 0.7899% | 3,241 |
| Pretax return on assets | 0.9708% | 3,358 |
| Return on Equity (ROE) | 7.8582% | 3,010 |
| Retained earnings to average equity (ytd only) | 7.8582% | 1,509 |
| Net charge-offs to loans | 0.0681% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 26.5625% | 1,010 |
| Efficiency ratio | 74.5661% | 3,258 |
| Assets per employee ($millions) | 3.9677% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4254% | 634 |
| Loan loss allowance to noncurrent loans | 84.2411% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 2.2580% | 2,906 |
| Noncurrent loans to loans | 4.0662% | 1,700 |
| Net loans and leases to total assets | 51.4515% | 5,634 |
| Net loans and leases to deposits | 57.9951% | 5,938 |
| Net loans and leases to core deposits | 72.0806% | 4,809 |
| Total domestic deposits to total assets | 88.7169% | 1,709 |
| Equity capital to assets | 10.4903% | 3,518 |
| Core capital (leverage) ratio | 9.4749% | 3,988 |
| Tier 1 risk-based capital ratio | 14.6980% | 3,675 |
| Total risk-based capital ratio | 15.9654% | 3,629 |
| Memoranda: | ||
| Average total assets | $87,352,330 | 5,330 |
| Average earning assets | $80,444,330 | 5,310 |
| Average equity | $8,780,670 | 5,388 |
| Average total loans | $47,002,000 | 5,479 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 6,548 |
| Cost of funding earning assets | 0.6638% | 6,326 |
| Net interest margin | 3.4136% | 5,376 |
| Noninterest income to average assets | 0.5859% | 3,265 |
| Noninterest expense to average assets | 2.8243% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6775% | 3,623 |
| Return on assets (ROA) | 0.6775% | 3,690 |
| Pretax return on assets | 0.8926% | 3,521 |
| Return on Equity (ROE) | 6.8897% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.8897% | 2,193 |
| Net charge-offs to loans | 0.1524% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.8333% | 1,604 |
| Efficiency ratio | 75.9852% | 3,168 |
| Assets per employee ($millions) | 4.4209% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3590% | 682 |
| Loan loss allowance to noncurrent loans | 81.6316% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 2.2948% | 2,953 |
| Noncurrent loans to loans | 4.1149% | 1,748 |
| Net loans and leases to total assets | 51.7706% | 5,612 |
| Net loans and leases to deposits | 57.9418% | 5,930 |
| Net loans and leases to core deposits | 71.0854% | 4,918 |
| Total domestic deposits to total assets | 89.3493% | 1,566 |
| Equity capital to assets | 9.8171% | 4,016 |
| Core capital (leverage) ratio | 9.3329% | 4,077 |
| Tier 1 risk-based capital ratio | 14.0927% | 4,011 |
| Total risk-based capital ratio | 15.3606% | 3,970 |
| Memoranda: | ||
| Average total assets | $87,383,500 | 5,373 |
| Average earning assets | $80,150,000 | 5,358 |
| Average equity | $8,592,500 | 5,438 |
| Average total loans | $47,250,500 | 5,510 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 6,347 |
| Cost of funding earning assets | 0.7948% | 6,589 |
| Net interest margin | 3.7237% | 4,254 |
| Noninterest income to average assets | 0.5615% | 3,734 |
| Noninterest expense to average assets | 2.7666% | 4,721 |
| Loan and lease loss provision to assets | 1.3476% | 1,129 |
| Net operating income to assets | 0.0971% | 5,596 |
| Return on assets (ROA) | 0.2410% | 5,287 |
| Pretax return on assets | 0.0222% | 5,854 |
| Return on Equity (ROE) | 2.3947% | 5,221 |
| Retained earnings to average equity (ytd only) | -1.8367% | 5,943 |
| Net charge-offs to loans | 0.3897% | 4,089 |
| Credit loss provision to net charge-offs | 609.5238% | 352 |
| Earnings coverage of net charge-offs (x) | 5.5450% | 2,598 |
| Efficiency ratio | 69.2939% | 4,315 |
| Assets per employee ($millions) | 4.3175% | 3,172 |
| Cash dividends to net income (ytd only)* | 176.6990% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4135% | 628 |
| Loan loss allowance to noncurrent loans | 1,489.8148% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 6,928 |
| Noncurrent loans to loans | 0.2291% | 6,604 |
| Net loans and leases to total assets | 52.7238% | 5,820 |
| Net loans and leases to deposits | 58.9690% | 6,156 |
| Net loans and leases to core deposits | 72.3650% | 5,175 |
| Total domestic deposits to total assets | 89.4094% | 1,435 |
| Equity capital to assets | 9.8494% | 3,937 |
| Core capital (leverage) ratio | 9.5870% | 3,576 |
| Tier 1 risk-based capital ratio | 14.3651% | 3,637 |
| Total risk-based capital ratio | 15.6351% | 3,576 |
| Memoranda: | ||
| Average total assets | $85,483,400 | 5,424 |
| Average earning assets | $78,765,200 | 5,391 |
| Average equity | $8,602,400 | 5,530 |
| Average total loans | $48,498,200 | 5,539 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 6,398 |
| Cost of funding earning assets | 0.8226% | 6,676 |
| Net interest margin | 3.7547% | 4,170 |
| Noninterest income to average assets | 0.5489% | 3,796 |
| Noninterest expense to average assets | 2.8240% | 4,380 |
| Loan and lease loss provision to assets | 1.4683% | 913 |
| Net operating income to assets | 0.0864% | 5,802 |
| Return on assets (ROA) | 0.2095% | 5,646 |
| Pretax return on assets | -0.0751% | 6,196 |
| Return on Equity (ROE) | 2.0710% | 5,580 |
| Retained earnings to average equity (ytd only) | -3.5548% | 6,414 |
| Net charge-offs to loans | 0.5296% | 3,182 |
| Credit loss provision to net charge-offs | 484.0206% | 609 |
| Earnings coverage of net charge-offs (x) | 3.9587% | 3,235 |
| Efficiency ratio | 70.1632% | 4,030 |
| Assets per employee ($millions) | 4.2594% | 3,333 |
| Cash dividends to net income (ytd only)* | 271.6445% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7365% | 1,052 |
| Loan loss allowance to noncurrent loans | 1,220.1754% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 6,863 |
| Noncurrent loans to loans | 0.2243% | 6,730 |
| Net loans and leases to total assets | 58.0382% | 5,262 |
| Net loans and leases to deposits | 67.9368% | 5,428 |
| Net loans and leases to core deposits | 86.6459% | 3,566 |
| Total domestic deposits to total assets | 85.4297% | 3,396 |
| Equity capital to assets | 10.2997% | 3,766 |
| Core capital (leverage) ratio | 9.3448% | 4,138 |
| Tier 1 risk-based capital ratio | 13.3846% | 4,284 |
| Total risk-based capital ratio | 14.6465% | 4,241 |
| Memoranda: | ||
| Average total assets | $85,266,750 | 5,495 |
| Average earning assets | $78,938,750 | 5,440 |
| Average equity | $8,626,750 | 5,593 |
| Average total loans | $48,838,750 | 5,611 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 6,543 |
| Cost of funding earning assets | 0.8550% | 6,742 |
| Net interest margin | 3.7116% | 4,306 |
| Noninterest income to average assets | 0.5440% | 3,758 |
| Noninterest expense to average assets | 2.8302% | 4,358 |
| Loan and lease loss provision to assets | 2.1268% | 571 |
| Net operating income to assets | -0.3986% | 6,564 |
| Return on assets (ROA) | -0.3986% | 6,603 |
| Pretax return on assets | -0.9825% | 6,883 |
| Return on Equity (ROE) | -3.9638% | 6,614 |
| Retained earnings to average equity (ytd only) | -12.4509% | 7,014 |
| Net charge-offs to loans | 0.8926% | 2,056 |
| Credit loss provision to net charge-offs | 421.8605% | 862 |
| Earnings coverage of net charge-offs (x) | 2.2698% | 3,871 |
| Efficiency ratio | 71.2094% | 3,952 |
| Assets per employee ($millions) | 3.9002% | 3,974 |
| Cash dividends to net income (ytd only)* | -214.1176% | 7,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6744% | 1,118 |
| Loan loss allowance to noncurrent loans | 6,081.8182% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 7,168 |
| Noncurrent loans to loans | 0.0440% | 7,204 |
| Net loans and leases to total assets | 56.7461% | 5,587 |
| Net loans and leases to deposits | 66.2436% | 5,775 |
| Net loans and leases to core deposits | 87.1162% | 3,672 |
| Total domestic deposits to total assets | 85.6628% | 3,280 |
| Equity capital to assets | 9.7046% | 4,402 |
| Core capital (leverage) ratio | 9.1686% | 4,347 |
| Tier 1 risk-based capital ratio | 13.1816% | 4,296 |
| Total risk-based capital ratio | 14.4441% | 4,248 |
| Memoranda: | ||
| Average total assets | $85,293,330 | 5,522 |
| Average earning assets | $78,833,330 | 5,476 |
| Average equity | $8,577,670 | 5,615 |
| Average total loans | $48,174,330 | 5,683 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 6,610 |
| Cost of funding earning assets | 0.8991% | 6,773 |
| Net interest margin | 3.6826% | 4,340 |
| Noninterest income to average assets | 0.5739% | 3,470 |
| Noninterest expense to average assets | 2.7376% | 4,730 |
| Loan and lease loss provision to assets | 0.2211% | 4,287 |
| Net operating income to assets | 0.8608% | 2,700 |
| Return on assets (ROA) | 0.8608% | 2,792 |
| Pretax return on assets | 1.0254% | 2,988 |
| Return on Equity (ROE) | 8.4109% | 2,696 |
| Retained earnings to average equity (ytd only) | -8.3190% | 6,854 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7131% | 4,570 |
| Assets per employee ($millions) | 3.9901% | 3,894 |
| Cash dividends to net income (ytd only)* | 198.9071% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 4,103 |
| Loan loss allowance to noncurrent loans | 172.8180% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 6,135 |
| Noncurrent loans to loans | 0.8477% | 5,620 |
| Net loans and leases to total assets | 55.6299% | 5,801 |
| Net loans and leases to deposits | 62.7359% | 6,205 |
| Net loans and leases to core deposits | 81.2841% | 4,585 |
| Total domestic deposits to total assets | 88.6733% | 1,694 |
| Equity capital to assets | 10.2670% | 3,512 |
| Core capital (leverage) ratio | 9.5075% | 3,753 |
| Tier 1 risk-based capital ratio | 14.1778% | 3,544 |
| Total risk-based capital ratio | 15.3843% | 3,539 |
| Memoranda: | ||
| Average total assets | $85,037,500 | 5,598 |
| Average earning assets | $78,749,500 | 5,553 |
| Average equity | $8,703,000 | 5,627 |
| Average total loans | $47,247,000 | 5,791 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 7,290 |
| Cost of funding earning assets | 1.1947% | 6,676 |
| Net interest margin | 3.4014% | 5,353 |
| Noninterest income to average assets | 0.6297% | 3,424 |
| Noninterest expense to average assets | 2.7173% | 5,310 |
| Loan and lease loss provision to assets | 0.2903% | 5,103 |
| Net operating income to assets | 0.7100% | 2,894 |
| Return on assets (ROA) | 0.7743% | 2,716 |
| Pretax return on assets | 0.8416% | 3,108 |
| Return on Equity (ROE) | 7.3389% | 2,645 |
| Retained earnings to average equity (ytd only) | 3.1121% | 2,984 |
| Net charge-offs to loans | 0.4241% | 4,097 |
| Credit loss provision to net charge-offs | 124.7368% | 4,204 |
| Earnings coverage of net charge-offs (x) | 4.5632% | 2,904 |
| Efficiency ratio | 71.8963% | 4,274 |
| Assets per employee ($millions) | 4.1087% | 3,598 |
| Cash dividends to net income (ytd only)* | 57.5949% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 4,393 |
| Loan loss allowance to noncurrent loans | 566.6667% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 7,152 |
| Noncurrent loans to loans | 0.2416% | 6,824 |
| Net loans and leases to total assets | 53.9406% | 6,207 |
| Net loans and leases to deposits | 62.4217% | 6,420 |
| Net loans and leases to core deposits | 99.0150% | 4,108 |
| Total domestic deposits to total assets | 86.4132% | 2,811 |
| Equity capital to assets | 10.2026% | 3,510 |
| Core capital (leverage) ratio | 9.7074% | 3,444 |
| Tier 1 risk-based capital ratio | 14.5005% | 3,208 |
| Total risk-based capital ratio | 15.6260% | 3,227 |
| Memoranda: | ||
| Average total assets | $81,626,200 | 5,679 |
| Average earning assets | $75,586,600 | 5,618 |
| Average equity | $8,611,600 | 5,728 |
| Average total loans | $44,796,200 | 5,882 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 7,382 |
| Cost of funding earning assets | 1.2519% | 6,713 |
| Net interest margin | 3.3711% | 5,379 |
| Noninterest income to average assets | 0.5982% | 3,725 |
| Noninterest expense to average assets | 2.6065% | 5,695 |
| Loan and lease loss provision to assets | 0.1641% | 5,713 |
| Net operating income to assets | 0.8501% | 2,617 |
| Return on assets (ROA) | 0.8501% | 2,684 |
| Pretax return on assets | 0.9511% | 3,056 |
| Return on Equity (ROE) | 7.9869% | 2,640 |
| Retained earnings to average equity (ytd only) | 2.3198% | 4,027 |
| Net charge-offs to loans | 0.4193% | 3,590 |
| Credit loss provision to net charge-offs | 71.2230% | 5,963 |
| Earnings coverage of net charge-offs (x) | 4.8417% | 2,995 |
| Efficiency ratio | 70.0356% | 4,583 |
| Assets per employee ($millions) | 3.7918% | 4,204 |
| Cash dividends to net income (ytd only)* | 70.9553% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 4,962 |
| Loan loss allowance to noncurrent loans | 51.0969% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.3115% | 4,460 |
| Noncurrent loans to loans | 2.4013% | 3,136 |
| Net loans and leases to total assets | 53.9433% | 6,389 |
| Net loans and leases to deposits | 62.3514% | 6,636 |
| Net loans and leases to core deposits | 98.5955% | 4,538 |
| Total domestic deposits to total assets | 86.5151% | 2,416 |
| Equity capital to assets | 10.6475% | 3,349 |
| Core capital (leverage) ratio | 9.7353% | 3,594 |
| Tier 1 risk-based capital ratio | 14.9133% | 3,080 |
| Total risk-based capital ratio | 15.9288% | 3,134 |
| Memoranda: | ||
| Average total assets | $80,462,250 | 5,745 |
| Average earning assets | $74,554,250 | 5,693 |
| Average equity | $8,563,750 | 5,796 |
| Average total loans | $44,198,500 | 5,962 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 7,557 |
| Cost of funding earning assets | 1.3183% | 6,739 |
| Net interest margin | 3.2591% | 5,699 |
| Noninterest income to average assets | 0.5838% | 3,807 |
| Noninterest expense to average assets | 2.5894% | 5,781 |
| Loan and lease loss provision to assets | 0.0780% | 6,406 |
| Net operating income to assets | 0.8480% | 2,661 |
| Return on assets (ROA) | 0.8480% | 2,767 |
| Pretax return on assets | 0.9336% | 3,233 |
| Return on Equity (ROE) | 7.9691% | 2,784 |
| Retained earnings to average equity (ytd only) | -0.6385% | 5,384 |
| Net charge-offs to loans | 0.6264% | 2,471 |
| Credit loss provision to net charge-offs | 22.6277% | 6,103 |
| Earnings coverage of net charge-offs (x) | 2.9343% | 3,632 |
| Efficiency ratio | 71.9078% | 4,435 |
| Assets per employee ($millions) | 4.6521% | 2,523 |
| Cash dividends to net income (ytd only)* | 108.0119% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 5,723 |
| Loan loss allowance to noncurrent loans | 530.1075% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 7,291 |
| Noncurrent loans to loans | 0.2040% | 7,001 |
| Net loans and leases to total assets | 53.8567% | 6,468 |
| Net loans and leases to deposits | 64.1015% | 6,552 |
| Net loans and leases to core deposits | 95.7881% | 4,928 |
| Total domestic deposits to total assets | 84.0178% | 3,758 |
| Equity capital to assets | 10.1592% | 3,759 |
| Core capital (leverage) ratio | 9.8269% | 3,482 |
| Tier 1 risk-based capital ratio | 14.5155% | 3,232 |
| Total risk-based capital ratio | 15.4064% | 3,365 |
| Memoranda: | ||
| Average total assets | $79,476,670 | 5,816 |
| Average earning assets | $73,578,670 | 5,764 |
| Average equity | $8,457,670 | 5,862 |
| Average total loans | $43,745,330 | 6,034 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 7,600 |
| Cost of funding earning assets | 1.4187% | 6,667 |
| Net interest margin | 3.2018% | 5,849 |
| Noninterest income to average assets | 0.6102% | 3,478 |
| Noninterest expense to average assets | 2.5392% | 5,691 |
| Loan and lease loss provision to assets | 0.1603% | 4,884 |
| Net operating income to assets | 0.8274% | 3,014 |
| Return on assets (ROA) | 0.8274% | 3,164 |
| Pretax return on assets | 0.8636% | 3,848 |
| Return on Equity (ROE) | 7.5892% | 3,335 |
| Retained earnings to average equity (ytd only) | -9.6763% | 7,080 |
| Net charge-offs to loans | -0.1027% | 7,883 |
| Credit loss provision to net charge-offs | -281.8182% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2627% | 4,317 |
| Assets per employee ($millions) | 4.4304% | 2,829 |
| Cash dividends to net income (ytd only)* | 227.5000% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 2,776 |
| Loan loss allowance to noncurrent loans | 360.1124% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 6,860 |
| Noncurrent loans to loans | 0.4268% | 6,355 |
| Net loans and leases to total assets | 51.4966% | 6,733 |
| Net loans and leases to deposits | 57.9290% | 7,045 |
| Net loans and leases to core deposits | 85.5759% | 5,939 |
| Total domestic deposits to total assets | 88.8961% | 1,277 |
| Equity capital to assets | 10.4606% | 3,498 |
| Core capital (leverage) ratio | 10.1077% | 3,282 |
| Tier 1 risk-based capital ratio | 14.8426% | 3,138 |
| Total risk-based capital ratio | 16.0538% | 3,084 |
| Memoranda: | ||
| Average total assets | $77,346,500 | 5,904 |
| Average earning assets | $71,334,500 | 5,869 |
| Average equity | $8,433,000 | 5,908 |
| Average total loans | $42,822,500 | 6,100 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 7,341 |
| Cost of funding earning assets | 1.7554% | 7,124 |
| Net interest margin | 3.7278% | 4,341 |
| Noninterest income to average assets | 0.6581% | 3,412 |
| Noninterest expense to average assets | 2.5622% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1380% | 1,995 |
| Return on assets (ROA) | 1.1380% | 1,915 |
| Pretax return on assets | 1.4931% | 1,706 |
| Return on Equity (ROE) | 10.9646% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.1151% | 1,477 |
| Net charge-offs to loans | 0.0757% | 5,676 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 37.0323% | 1,000 |
| Efficiency ratio | 63.1815% | 5,743 |
| Assets per employee ($millions) | 3.9445% | 3,632 |
| Cash dividends to net income (ytd only)* | 44.2286% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 3,402 |
| Loan loss allowance to noncurrent loans | 3,152.6316% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 7,495 |
| Noncurrent loans to loans | 0.0432% | 7,331 |
| Net loans and leases to total assets | 57.8256% | 6,226 |
| Net loans and leases to deposits | 66.4011% | 6,610 |
| Net loans and leases to core deposits | 97.4654% | 5,100 |
| Total domestic deposits to total assets | 87.0854% | 1,894 |
| Equity capital to assets | 11.3735% | 2,727 |
| Core capital (leverage) ratio | 10.4449% | 3,026 |
| Tier 1 risk-based capital ratio | 15.0748% | 3,003 |
| Total risk-based capital ratio | 16.1953% | 2,985 |
| Memoranda: | ||
| Average total assets | $76,888,400 | 5,803 |
| Average earning assets | $70,068,400 | 5,818 |
| Average equity | $7,980,200 | 6,092 |
| Average total loans | $40,968,800 | 6,121 |