Home > The Merchants & Citizens Bank > Performance and Condition Ratios
The Merchants & Citizens 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 | 3.9662% | 4,017 |
| Cost of funding earning assets | 0.8880% | 3,542 |
| Net interest margin | 3.0782% | 3,139 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.6241% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4102% | 3,849 |
| Return on assets (ROA) | 0.4032% | 3,858 |
| Pretax return on assets | 0.3743% | 4,000 |
| Return on Equity (ROE) | 4.6400% | 3,787 |
| Retained earnings to average equity (ytd only) | -1.2379% | 4,207 |
| Net charge-offs to loans | -0.0028% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.3119% | 508 |
| Assets per employee ($millions) | 6.3156% | 2,542 |
| Cash dividends to net income (ytd only)* | 126.6925% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7495% | 151 |
| Loan loss allowance to noncurrent loans | 1,844.6429% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,304 |
| Noncurrent loans to loans | 0.1491% | 2,769 |
| Net loans and leases to total assets | 28.9300% | 4,320 |
| Net loans and leases to deposits | 33.2082% | 4,320 |
| Net loans and leases to core deposits | 35.4597% | 4,346 |
| Total domestic deposits to total assets | 87.1100% | 1,640 |
| Equity capital to assets | 9.7331% | 2,173 |
| Core capital (leverage) ratio | 14.6745% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8192% | 341 |
| Memoranda: | ||
| Average total assets | $128,233,400 | 3,569 |
| Average earning assets | $115,879,600 | 3,584 |
| Average equity | $11,148,200 | 3,605 |
| Average total loans | $36,073,400 | 4,051 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 3,966 |
| Cost of funding earning assets | 0.7820% | 3,574 |
| Net interest margin | 3.1417% | 3,048 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.4177% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6516% | 3,425 |
| Return on assets (ROA) | 0.6484% | 3,424 |
| Pretax return on assets | 0.6402% | 3,659 |
| Return on Equity (ROE) | 7.6800% | 3,267 |
| Retained earnings to average equity (ytd only) | 5.5361% | 2,767 |
| Net charge-offs to loans | -0.0037% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.9848% | 934 |
| Assets per employee ($millions) | 6.2104% | 2,553 |
| Cash dividends to net income (ytd only)* | 27.9553% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6668% | 161 |
| Loan loss allowance to noncurrent loans | 3,825.9259% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 3,603 |
| Noncurrent loans to loans | 0.0697% | 3,260 |
| Net loans and leases to total assets | 30.3500% | 4,307 |
| Net loans and leases to deposits | 33.2721% | 4,339 |
| Net loans and leases to core deposits | 35.3024% | 4,333 |
| Total domestic deposits to total assets | 91.2300% | 621 |
| Equity capital to assets | 6.9730% | 3,622 |
| Core capital (leverage) ratio | 14.8175% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8804% | 354 |
| Memoranda: | ||
| Average total assets | $128,714,000 | 3,575 |
| Average earning assets | $116,281,500 | 3,594 |
| Average equity | $10,861,750 | 3,632 |
| Average total loans | $35,699,250 | 4,075 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7861% | 4,039 |
| Cost of funding earning assets | 0.6807% | 3,541 |
| Net interest margin | 3.1054% | 3,214 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.3883% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6635% | 3,425 |
| Return on assets (ROA) | 0.6635% | 3,431 |
| Pretax return on assets | 0.6451% | 3,711 |
| Return on Equity (ROE) | 7.4500% | 3,372 |
| Retained earnings to average equity (ytd only) | 4.4328% | 3,098 |
| Net charge-offs to loans | -0.0115% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.7342% | 944 |
| Assets per employee ($millions) | 6.5518% | 2,251 |
| Cash dividends to net income (ytd only)* | 40.5093% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8534% | 144 |
| Loan loss allowance to noncurrent loans | 3,231.2500% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,548 |
| Noncurrent loans to loans | 0.0883% | 3,061 |
| Net loans and leases to total assets | 26.8700% | 4,379 |
| Net loans and leases to deposits | 30.0577% | 4,400 |
| Net loans and leases to core deposits | 31.8159% | 4,385 |
| Total domestic deposits to total assets | 89.3800% | 1,115 |
| Equity capital to assets | 8.9731% | 2,532 |
| Core capital (leverage) ratio | 14.5156% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1951% | 344 |
| Memoranda: | ||
| Average total assets | $130,216,333 | 3,568 |
| Average earning assets | $118,116,667 | 3,590 |
| Average equity | $11,595,333 | 3,579 |
| Average total loans | $34,687,000 | 4,103 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 3,992 |
| Cost of funding earning assets | 0.6418% | 3,254 |
| Net interest margin | 3.0800% | 3,396 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.4683% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5578% | 3,781 |
| Return on assets (ROA) | 0.5578% | 3,745 |
| Pretax return on assets | 0.5578% | 3,911 |
| Return on Equity (ROE) | 6.2900% | 3,655 |
| Retained earnings to average equity (ytd only) | 0.2084% | 3,988 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.5682% | 734 |
| Assets per employee ($millions) | 6.5584% | 2,300 |
| Cash dividends to net income (ytd only)* | 96.6851% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9883% | 128 |
| Loan loss allowance to noncurrent loans | 1,517.6471% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 3,263 |
| Noncurrent loans to loans | 0.1969% | 2,490 |
| Net loans and leases to total assets | 25.5400% | 4,460 |
| Net loans and leases to deposits | 28.6272% | 4,473 |
| Net loans and leases to core deposits | 29.7704% | 4,464 |
| Total domestic deposits to total assets | 89.2200% | 1,461 |
| Equity capital to assets | 9.2432% | 2,322 |
| Core capital (leverage) ratio | 14.3353% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5676% | 326 |
| Memoranda: | ||
| Average total assets | $129,806,500 | 3,620 |
| Average earning assets | $117,791,500 | 3,634 |
| Average equity | $11,514,000 | 3,620 |
| Average total loans | $33,912,000 | 4,172 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1996% | 3,818 |
| Cost of funding earning assets | 0.3882% | 2,191 |
| Net interest margin | 2.8114% | 3,872 |
| Noninterest income to average assets | 1.9300% | 259 |
| Noninterest expense to average assets | 2.3126% | 2,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.1372% | 236 |
| Return on assets (ROA) | 2.1606% | 220 |
| Pretax return on assets | 2.1864% | 331 |
| Return on Equity (ROE) | 21.9300% | 340 |
| Retained earnings to average equity (ytd only) | 19.1498% | 110 |
| Net charge-offs to loans | -0.2424% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.6726% | 4,012 |
| Assets per employee ($millions) | 6.4223% | 2,399 |
| Cash dividends to net income (ytd only)* | 12.6627% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1001% | 112 |
| Loan loss allowance to noncurrent loans | 2,866.6667% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 3,539 |
| Noncurrent loans to loans | 0.1081% | 2,992 |
| Net loans and leases to total assets | 25.1100% | 4,490 |
| Net loans and leases to deposits | 27.8765% | 4,504 |
| Net loans and leases to core deposits | 29.1328% | 4,497 |
| Total domestic deposits to total assets | 90.0900% | 1,326 |
| Equity capital to assets | 8.4892% | 2,708 |
| Core capital (leverage) ratio | 14.4140% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7846% | 310 |
| Memoranda: | ||
| Average total assets | $131,586,200 | 3,617 |
| Average earning assets | $119,015,800 | 3,638 |
| Average equity | $12,966,200 | 3,576 |
| Average total loans | $33,422,400 | 4,181 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0695% | 3,739 |
| Cost of funding earning assets | 0.3798% | 1,442 |
| Net interest margin | 2.6897% | 3,950 |
| Noninterest income to average assets | 2.4500% | 216 |
| Noninterest expense to average assets | 2.0044% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.7312% | 126 |
| Return on assets (ROA) | 2.7609% | 118 |
| Pretax return on assets | 2.9119% | 151 |
| Return on Equity (ROE) | 27.1100% | 131 |
| Retained earnings to average equity (ytd only) | 27.1076% | 38 |
| Net charge-offs to loans | -0.2750% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.0309% | 4,551 |
| Assets per employee ($millions) | 6.8251% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2100% | 111 |
| Loan loss allowance to noncurrent loans | 3,639.2857% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 3,729 |
| Noncurrent loans to loans | 0.0882% | 3,249 |
| Net loans and leases to total assets | 23.6900% | 4,552 |
| Net loans and leases to deposits | 25.9009% | 4,562 |
| Net loans and leases to core deposits | 27.3533% | 4,551 |
| Total domestic deposits to total assets | 91.4800% | 1,054 |
| Equity capital to assets | 6.9072% | 3,565 |
| Core capital (leverage) ratio | 14.1702% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5399% | 230 |
| Memoranda: | ||
| Average total assets | $132,371,250 | 3,637 |
| Average earning assets | $119,713,250 | 3,650 |
| Average equity | $13,481,750 | 3,564 |
| Average total loans | $33,455,750 | 4,203 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9023% | 3,773 |
| Cost of funding earning assets | 0.3746% | 1,083 |
| Net interest margin | 2.5277% | 4,041 |
| Noninterest income to average assets | 3.5477% | 131 |
| Noninterest expense to average assets | 2.0185% | 3,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.6000% | 53 |
| Return on assets (ROA) | 3.6437% | 48 |
| Pretax return on assets | 3.8644% | 57 |
| Return on Equity (ROE) | 32.3949% | 47 |
| Retained earnings to average equity (ytd only) | 32.3949% | 21 |
| Net charge-offs to loans | -0.3762% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5847% | 4,688 |
| Assets per employee ($millions) | 7.0312% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0948% | 136 |
| Loan loss allowance to noncurrent loans | 1,208.3333% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,350 |
| Noncurrent loans to loans | 0.2561% | 2,452 |
| Net loans and leases to total assets | 23.7902% | 4,600 |
| Net loans and leases to deposits | 26.6493% | 4,607 |
| Net loans and leases to core deposits | 28.2143% | 4,590 |
| Total domestic deposits to total assets | 89.2711% | 2,062 |
| Equity capital to assets | 9.2857% | 2,174 |
| Core capital (leverage) ratio | 14.1622% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8387% | 195 |
| Memoranda: | ||
| Average total assets | $133,269,333 | 3,666 |
| Average earning assets | $120,663,667 | 3,694 |
| Average equity | $14,990,000 | 3,491 |
| Average total loans | $34,026,000 | 4,243 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7843% | 3,773 |
| Cost of funding earning assets | 0.3779% | 1,002 |
| Net interest margin | 2.4064% | 4,059 |
| Noninterest income to average assets | 0.2885% | 3,394 |
| Noninterest expense to average assets | 2.0945% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3847% | 3,990 |
| Return on assets (ROA) | 0.4778% | 3,735 |
| Pretax return on assets | 0.4688% | 3,924 |
| Return on Equity (ROE) | 3.9060% | 3,900 |
| Retained earnings to average equity (ytd only) | 3.9060% | 2,968 |
| Net charge-offs to loans | -0.0808% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7932% | 797 |
| Assets per employee ($millions) | 6.6244% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7556% | 206 |
| Loan loss allowance to noncurrent loans | 241.9192% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 1,926 |
| Noncurrent loans to loans | 1.1390% | 782 |
| Net loans and leases to total assets | 25.5178% | 4,581 |
| Net loans and leases to deposits | 28.9886% | 4,575 |
| Net loans and leases to core deposits | 30.7011% | 4,567 |
| Total domestic deposits to total assets | 88.0268% | 2,512 |
| Equity capital to assets | 10.2296% | 1,735 |
| Core capital (leverage) ratio | 12.0070% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8714% | 270 |
| Memoranda: | ||
| Average total assets | $133,107,500 | 3,691 |
| Average earning assets | $120,677,000 | 3,706 |
| Average equity | $16,282,500 | 3,448 |
| Average total loans | $34,640,500 | 4,254 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9657% | 3,931 |
| Cost of funding earning assets | 0.4136% | 1,447 |
| Net interest margin | 2.5522% | 4,117 |
| Noninterest income to average assets | 0.2836% | 3,695 |
| Noninterest expense to average assets | 2.2951% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3440% | 4,363 |
| Return on assets (ROA) | 0.4592% | 4,214 |
| Pretax return on assets | 0.4226% | 4,368 |
| Return on Equity (ROE) | 2.9488% | 4,366 |
| Retained earnings to average equity (ytd only) | 0.7806% | 4,310 |
| Net charge-offs to loans | -0.0332% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1868% | 378 |
| Assets per employee ($millions) | 6.6864% | 2,169 |
| Cash dividends to net income (ytd only)* | 73.5294% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7553% | 196 |
| Loan loss allowance to noncurrent loans | 704.4444% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 3,232 |
| Noncurrent loans to loans | 0.3911% | 2,189 |
| Net loans and leases to total assets | 25.0989% | 4,650 |
| Net loans and leases to deposits | 29.8320% | 4,625 |
| Net loans and leases to core deposits | 31.1669% | 4,618 |
| Total domestic deposits to total assets | 84.1341% | 3,524 |
| Equity capital to assets | 14.2170% | 627 |
| Core capital (leverage) ratio | 12.2401% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1676% | 258 |
| Memoranda: | ||
| Average total assets | $125,877,000 | 3,736 |
| Average earning assets | $114,372,600 | 3,757 |
| Average equity | $19,601,400 | 3,248 |
| Average total loans | $36,136,800 | 4,266 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0289% | 3,948 |
| Cost of funding earning assets | 0.4246% | 1,525 |
| Net interest margin | 2.6043% | 4,126 |
| Noninterest income to average assets | 0.2980% | 3,658 |
| Noninterest expense to average assets | 2.2262% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4422% | 4,311 |
| Return on assets (ROA) | 0.5982% | 4,057 |
| Pretax return on assets | 0.5907% | 4,248 |
| Return on Equity (ROE) | 3.7537% | 4,342 |
| Retained earnings to average equity (ytd only) | 3.7537% | 3,658 |
| Net charge-offs to loans | -0.0365% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6636% | 538 |
| Assets per employee ($millions) | 6.7873% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5423% | 271 |
| Loan loss allowance to noncurrent loans | 2,965.6250% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,009 |
| Noncurrent loans to loans | 0.0857% | 3,657 |
| Net loans and leases to total assets | 28.2107% | 4,640 |
| Net loans and leases to deposits | 34.0134% | 4,623 |
| Net loans and leases to core deposits | 35.8855% | 4,611 |
| Total domestic deposits to total assets | 82.9402% | 3,722 |
| Equity capital to assets | 15.1677% | 518 |
| Core capital (leverage) ratio | 12.9035% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1833% | 250 |
| Memoranda: | ||
| Average total assets | $123,914,500 | 3,796 |
| Average earning assets | $112,425,750 | 3,827 |
| Average equity | $19,748,750 | 3,276 |
| Average total loans | $36,542,250 | 4,313 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0969% | 3,879 |
| Cost of funding earning assets | 0.4293% | 1,663 |
| Net interest margin | 2.6676% | 4,044 |
| Noninterest income to average assets | 0.3240% | 3,488 |
| Noninterest expense to average assets | 2.2792% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4761% | 4,268 |
| Return on assets (ROA) | 0.6398% | 3,956 |
| Pretax return on assets | 0.6283% | 4,193 |
| Return on Equity (ROE) | 3.9472% | 4,340 |
| Retained earnings to average equity (ytd only) | 3.9472% | 3,536 |
| Net charge-offs to loans | -0.0331% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0650% | 609 |
| Assets per employee ($millions) | 6.5911% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6193% | 237 |
| Loan loss allowance to noncurrent loans | 1,038.4615% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,721 |
| Noncurrent loans to loans | 0.2522% | 3,041 |
| Net loans and leases to total assets | 28.0548% | 4,702 |
| Net loans and leases to deposits | 34.0783% | 4,679 |
| Net loans and leases to core deposits | 35.8903% | 4,675 |
| Total domestic deposits to total assets | 82.3245% | 3,855 |
| Equity capital to assets | 15.7766% | 434 |
| Core capital (leverage) ratio | 13.1007% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2036% | 224 |
| Memoranda: | ||
| Average total assets | $122,233,333 | 3,829 |
| Average earning assets | $110,886,000 | 3,861 |
| Average equity | $19,811,667 | 3,266 |
| Average total loans | $36,280,000 | 4,354 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1164% | 3,849 |
| Cost of funding earning assets | 0.4348% | 1,833 |
| Net interest margin | 2.6817% | 4,004 |
| Noninterest income to average assets | 0.3446% | 3,372 |
| Noninterest expense to average assets | 2.2131% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5665% | 4,027 |
| Return on assets (ROA) | 0.6957% | 3,781 |
| Pretax return on assets | 0.6924% | 4,035 |
| Return on Equity (ROE) | 4.2341% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.2341% | 3,440 |
| Net charge-offs to loans | -0.0110% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7136% | 840 |
| Assets per employee ($millions) | 6.1719% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5797% | 231 |
| Loan loss allowance to noncurrent loans | 740.1575% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 3,641 |
| Noncurrent loans to loans | 0.3485% | 2,840 |
| Net loans and leases to total assets | 28.7588% | 4,731 |
| Net loans and leases to deposits | 34.9217% | 4,706 |
| Net loans and leases to core deposits | 36.7207% | 4,695 |
| Total domestic deposits to total assets | 82.3521% | 3,822 |
| Equity capital to assets | 15.8218% | 409 |
| Core capital (leverage) ratio | 13.2993% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4631% | 214 |
| Memoranda: | ||
| Average total assets | $120,735,000 | 3,848 |
| Average earning assets | $109,484,000 | 3,877 |
| Average equity | $19,839,000 | 3,251 |
| Average total loans | $36,381,000 | 4,370 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 4,310 |
| Cost of funding earning assets | 0.4846% | 3,047 |
| Net interest margin | 2.8291% | 4,214 |
| Noninterest income to average assets | 0.2605% | 3,921 |
| Noninterest expense to average assets | 2.5406% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2993% | 4,432 |
| Return on assets (ROA) | 0.3345% | 4,446 |
| Pretax return on assets | 0.2975% | 4,545 |
| Return on Equity (ROE) | 1.8618% | 4,580 |
| Retained earnings to average equity (ytd only) | 0.0552% | 4,501 |
| Net charge-offs to loans | 0.1226% | 1,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 6.6136% | 2,763 |
| Efficiency ratio | 90.6401% | 356 |
| Assets per employee ($millions) | 5.9017% | 2,432 |
| Cash dividends to net income (ytd only)* | 97.0350% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5851% | 232 |
| Loan loss allowance to noncurrent loans | 1,020.6522% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 3,918 |
| Noncurrent loans to loans | 0.2533% | 3,287 |
| Net loans and leases to total assets | 29.9781% | 4,754 |
| Net loans and leases to deposits | 36.9561% | 4,721 |
| Net loans and leases to core deposits | 38.9769% | 4,723 |
| Total domestic deposits to total assets | 81.1180% | 3,851 |
| Equity capital to assets | 17.0698% | 331 |
| Core capital (leverage) ratio | 13.7410% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2657% | 189 |
| Memoranda: | ||
| Average total assets | $110,920,200 | 3,870 |
| Average earning assets | $99,678,400 | 3,901 |
| Average equity | $19,927,200 | 3,193 |
| Average total loans | $35,899,800 | 4,390 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4673% | 4,263 |
| Cost of funding earning assets | 0.4893% | 3,291 |
| Net interest margin | 2.9780% | 4,024 |
| Noninterest income to average assets | 0.2541% | 3,952 |
| Noninterest expense to average assets | 2.4738% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4715% | 4,114 |
| Return on assets (ROA) | 0.5192% | 4,080 |
| Pretax return on assets | 0.4972% | 4,282 |
| Return on Equity (ROE) | 2.8515% | 4,415 |
| Retained earnings to average equity (ytd only) | 2.8515% | 3,580 |
| Net charge-offs to loans | 0.1490% | 983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 2,444 |
| Efficiency ratio | 84.6218% | 573 |
| Assets per employee ($millions) | 5.7046% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5189% | 220 |
| Loan loss allowance to noncurrent loans | 464.5320% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 3,518 |
| Noncurrent loans to loans | 0.5422% | 2,444 |
| Net loans and leases to total assets | 31.9865% | 4,789 |
| Net loans and leases to deposits | 40.0241% | 4,748 |
| Net loans and leases to core deposits | 42.3192% | 4,739 |
| Total domestic deposits to total assets | 79.9180% | 3,881 |
| Equity capital to assets | 18.0030% | 303 |
| Core capital (leverage) ratio | 14.5210% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4726% | 181 |
| Memoranda: | ||
| Average total assets | $109,142,000 | 3,887 |
| Average earning assets | $97,825,250 | 3,917 |
| Average equity | $19,872,000 | 3,194 |
| Average total loans | $35,794,000 | 4,421 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5785% | 4,296 |
| Cost of funding earning assets | 0.4934% | 3,576 |
| Net interest margin | 3.0852% | 3,929 |
| Noninterest income to average assets | 0.2512% | 3,969 |
| Noninterest expense to average assets | 2.5267% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5135% | 3,975 |
| Return on assets (ROA) | 0.5135% | 4,056 |
| Pretax return on assets | 0.4819% | 4,280 |
| Return on Equity (ROE) | 2.8093% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.8093% | 3,454 |
| Net charge-offs to loans | 0.1929% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.6176% | 2,351 |
| Efficiency ratio | 83.9827% | 637 |
| Assets per employee ($millions) | 5.5586% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5557% | 205 |
| Loan loss allowance to noncurrent loans | 236.0697% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 2,831 |
| Noncurrent loans to loans | 1.0826% | 1,441 |
| Net loans and leases to total assets | 32.5472% | 4,813 |
| Net loans and leases to deposits | 40.8695% | 4,772 |
| Net loans and leases to core deposits | 42.9998% | 4,775 |
| Total domestic deposits to total assets | 79.6368% | 3,908 |
| Equity capital to assets | 18.3231% | 277 |
| Core capital (leverage) ratio | 14.8084% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1672% | 196 |
| Memoranda: | ||
| Average total assets | $107,492,000 | 3,899 |
| Average earning assets | $96,072,667 | 3,938 |
| Average equity | $19,649,333 | 3,210 |
| Average total loans | $35,246,333 | 4,447 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 4,487 |
| Cost of funding earning assets | 0.5066% | 3,911 |
| Net interest margin | 3.1292% | 4,035 |
| Noninterest income to average assets | 0.4013% | 3,087 |
| Noninterest expense to average assets | 2.6161% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5982% | 3,599 |
| Return on assets (ROA) | 0.5982% | 3,658 |
| Pretax return on assets | 0.5679% | 3,985 |
| Return on Equity (ROE) | 3.2765% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.2765% | 2,968 |
| Net charge-offs to loans | -0.0233% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1641% | 966 |
| Assets per employee ($millions) | 5.3574% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8407% | 174 |
| Loan loss allowance to noncurrent loans | 239.0777% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 2,335 |
| Noncurrent loans to loans | 1.1882% | 1,376 |
| Net loans and leases to total assets | 31.4419% | 4,880 |
| Net loans and leases to deposits | 39.3581% | 4,846 |
| Net loans and leases to core deposits | 41.4537% | 4,852 |
| Total domestic deposits to total assets | 79.8865% | 3,882 |
| Equity capital to assets | 18.1228% | 345 |
| Core capital (leverage) ratio | 15.0963% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4360% | 203 |
| Memoranda: | ||
| Average total assets | $105,652,500 | 3,908 |
| Average earning assets | $93,953,500 | 3,965 |
| Average equity | $19,289,000 | 3,239 |
| Average total loans | $34,303,500 | 4,490 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 4,545 |
| Cost of funding earning assets | 0.4799% | 4,169 |
| Net interest margin | 3.3351% | 3,906 |
| Noninterest income to average assets | 0.3492% | 3,613 |
| Noninterest expense to average assets | 2.6363% | 3,071 |
| Loan and lease loss provision to assets | -0.0557% | 5,026 |
| Net operating income to assets | 0.7508% | 3,697 |
| Return on assets (ROA) | 0.8231% | 3,568 |
| Pretax return on assets | 0.8476% | 3,884 |
| Return on Equity (ROE) | 4.7269% | 4,289 |
| Retained earnings to average equity (ytd only) | 2.7754% | 3,652 |
| Net charge-offs to loans | -0.2217% | 5,064 |
| Credit loss provision to net charge-offs | 75.6410% | 2,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6096% | 1,080 |
| Assets per employee ($millions) | 5.2079% | 2,337 |
| Cash dividends to net income (ytd only)* | 41.2844% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8969% | 141 |
| Loan loss allowance to noncurrent loans | 235.7314% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 2,393 |
| Noncurrent loans to loans | 1.2289% | 1,218 |
| Net loans and leases to total assets | 31.6346% | 4,943 |
| Net loans and leases to deposits | 39.7122% | 4,912 |
| Net loans and leases to core deposits | 41.4930% | 4,916 |
| Total domestic deposits to total assets | 79.6597% | 4,046 |
| Equity capital to assets | 18.3951% | 336 |
| Core capital (leverage) ratio | 15.4628% | 597 |
| Tier 1 risk-based capital ratio | 33.8141% | 363 |
| Total risk-based capital ratio | 35.0752% | 356 |
| Memoranda: | ||
| Average total assets | $105,942,600 | 3,896 |
| Average earning assets | $95,439,000 | 3,945 |
| Average equity | $18,447,800 | 3,287 |
| Average total loans | $35,176,000 | 4,527 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 4,678 |
| Cost of funding earning assets | 0.4718% | 4,255 |
| Net interest margin | 3.3288% | 4,045 |
| Noninterest income to average assets | 0.3371% | 3,715 |
| Noninterest expense to average assets | 2.5190% | 3,383 |
| Loan and lease loss provision to assets | 0.0501% | 2,895 |
| Net operating income to assets | 0.7589% | 3,817 |
| Return on assets (ROA) | 0.8535% | 3,586 |
| Pretax return on assets | 0.8710% | 3,954 |
| Return on Equity (ROE) | 4.9699% | 4,335 |
| Retained earnings to average equity (ytd only) | 4.9699% | 2,903 |
| Net charge-offs to loans | 0.0301% | 2,471 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 82.2221% | 847 |
| Efficiency ratio | 75.3373% | 1,411 |
| Assets per employee ($millions) | 5.4415% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8684% | 146 |
| Loan loss allowance to noncurrent loans | 73.3432% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 808 |
| Noncurrent loans to loans | 3.9110% | 181 |
| Net loans and leases to total assets | 32.6215% | 5,009 |
| Net loans and leases to deposits | 41.2205% | 4,969 |
| Net loans and leases to core deposits | 43.3715% | 4,974 |
| Total domestic deposits to total assets | 79.1390% | 4,156 |
| Equity capital to assets | 18.6867% | 332 |
| Core capital (leverage) ratio | 15.4003% | 659 |
| Tier 1 risk-based capital ratio | 34.0294% | 371 |
| Total risk-based capital ratio | 35.2913% | 368 |
| Memoranda: | ||
| Average total assets | $106,388,750 | 3,931 |
| Average earning assets | $96,088,500 | 3,984 |
| Average equity | $18,269,750 | 3,327 |
| Average total loans | $35,486,750 | 4,578 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 4,646 |
| Cost of funding earning assets | 0.4595% | 4,289 |
| Net interest margin | 3.3855% | 3,938 |
| Noninterest income to average assets | 0.3185% | 3,798 |
| Noninterest expense to average assets | 2.4379% | 3,638 |
| Loan and lease loss provision to assets | 0.0372% | 3,070 |
| Net operating income to assets | 0.8809% | 3,355 |
| Return on assets (ROA) | 0.8809% | 3,420 |
| Pretax return on assets | 0.9033% | 3,833 |
| Return on Equity (ROE) | 5.2791% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.2791% | 2,630 |
| Net charge-offs to loans | 0.0168% | 2,553 |
| Credit loss provision to net charge-offs | 666.6667% | 480 |
| Earnings coverage of net charge-offs (x) | 168.3333% | 449 |
| Efficiency ratio | 72.1610% | 1,897 |
| Assets per employee ($millions) | 5.0097% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7346% | 172 |
| Loan loss allowance to noncurrent loans | 79.8210% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2728% | 1,013 |
| Noncurrent loans to loans | 3.4260% | 252 |
| Net loans and leases to total assets | 33.1664% | 5,045 |
| Net loans and leases to deposits | 41.5015% | 5,010 |
| Net loans and leases to core deposits | 43.3070% | 5,009 |
| Total domestic deposits to total assets | 79.9160% | 4,054 |
| Equity capital to assets | 18.0185% | 379 |
| Core capital (leverage) ratio | 15.0194% | 699 |
| Tier 1 risk-based capital ratio | 32.8750% | 396 |
| Total risk-based capital ratio | 34.1343% | 388 |
| Memoranda: | ||
| Average total assets | $107,388,670 | 3,935 |
| Average earning assets | $97,060,330 | 3,988 |
| Average equity | $17,919,670 | 3,362 |
| Average total loans | $35,741,330 | 4,597 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 4,587 |
| Cost of funding earning assets | 0.4487% | 4,294 |
| Net interest margin | 3.4302% | 3,813 |
| Noninterest income to average assets | 0.2913% | 3,929 |
| Noninterest expense to average assets | 2.4557% | 3,618 |
| Loan and lease loss provision to assets | 0.0737% | 2,201 |
| Net operating income to assets | 0.8481% | 3,461 |
| Return on assets (ROA) | 0.8481% | 3,505 |
| Pretax return on assets | 0.8628% | 3,887 |
| Return on Equity (ROE) | 5.2869% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.2869% | 2,782 |
| Net charge-offs to loans | 0.1121% | 1,066 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,426 |
| Efficiency ratio | 72.3913% | 1,976 |
| Assets per employee ($millions) | 5.2445% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7341% | 181 |
| Loan loss allowance to noncurrent loans | 362.0818% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 3,243 |
| Noncurrent loans to loans | 0.7551% | 2,139 |
| Net loans and leases to total assets | 31.4614% | 5,126 |
| Net loans and leases to deposits | 38.4820% | 5,102 |
| Net loans and leases to core deposits | 39.9898% | 5,108 |
| Total domestic deposits to total assets | 81.7560% | 3,789 |
| Equity capital to assets | 16.3663% | 521 |
| Core capital (leverage) ratio | 14.3981% | 846 |
| Tier 1 risk-based capital ratio | 32.4818% | 399 |
| Total risk-based capital ratio | 33.7422% | 393 |
| Memoranda: | ||
| Average total assets | $108,481,500 | 3,963 |
| Average earning assets | $98,069,000 | 4,002 |
| Average equity | $17,401,500 | 3,437 |
| Average total loans | $35,675,500 | 4,644 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 4,466 |
| Cost of funding earning assets | 0.4109% | 3,919 |
| Net interest margin | 3.3991% | 4,005 |
| Noninterest income to average assets | 0.2659% | 4,336 |
| Noninterest expense to average assets | 2.6199% | 3,270 |
| Loan and lease loss provision to assets | 0.0572% | 3,024 |
| Net operating income to assets | 0.6604% | 4,256 |
| Return on assets (ROA) | 0.6709% | 4,240 |
| Pretax return on assets | 0.6585% | 4,519 |
| Return on Equity (ROE) | 4.2298% | 4,648 |
| Retained earnings to average equity (ytd only) | 2.0668% | 4,332 |
| Net charge-offs to loans | 0.2271% | 859 |
| Credit loss provision to net charge-offs | 75.0000% | 2,923 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,827 |
| Efficiency ratio | 78.7905% | 1,057 |
| Assets per employee ($millions) | 5.3414% | 2,114 |
| Cash dividends to net income (ytd only)* | 51.1364% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6982% | 184 |
| Loan loss allowance to noncurrent loans | 225.7611% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 2,481 |
| Noncurrent loans to loans | 1.1952% | 1,340 |
| Net loans and leases to total assets | 32.5411% | 5,157 |
| Net loans and leases to deposits | 39.4572% | 5,131 |
| Net loans and leases to core deposits | 40.7935% | 5,149 |
| Total domestic deposits to total assets | 82.4718% | 3,495 |
| Equity capital to assets | 15.7056% | 581 |
| Core capital (leverage) ratio | 14.7003% | 757 |
| Tier 1 risk-based capital ratio | 31.3379% | 417 |
| Total risk-based capital ratio | 32.5960% | 412 |
| Memoranda: | ||
| Average total assets | $104,929,600 | 4,017 |
| Average earning assets | $94,436,200 | 4,057 |
| Average equity | $16,643,800 | 3,444 |
| Average total loans | $35,224,400 | 4,680 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 4,449 |
| Cost of funding earning assets | 0.4016% | 3,845 |
| Net interest margin | 3.3931% | 4,023 |
| Noninterest income to average assets | 0.2349% | 4,569 |
| Noninterest expense to average assets | 2.4648% | 3,690 |
| Loan and lease loss provision to assets | 0.0766% | 2,428 |
| Net operating income to assets | 0.7429% | 4,097 |
| Return on assets (ROA) | 0.7569% | 4,063 |
| Pretax return on assets | 0.7595% | 4,403 |
| Return on Equity (ROE) | 4.7600% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.7600% | 3,364 |
| Net charge-offs to loans | 0.2165% | 785 |
| Credit loss provision to net charge-offs | 105.2632% | 2,184 |
| Earnings coverage of net charge-offs (x) | 11.2980% | 2,523 |
| Efficiency ratio | 74.9903% | 1,464 |
| Assets per employee ($millions) | 4.8065% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7226% | 187 |
| Loan loss allowance to noncurrent loans | 316.3462% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 2,834 |
| Noncurrent loans to loans | 0.8606% | 1,980 |
| Net loans and leases to total assets | 34.9376% | 5,174 |
| Net loans and leases to deposits | 42.7512% | 5,138 |
| Net loans and leases to core deposits | 44.4502% | 5,157 |
| Total domestic deposits to total assets | 81.7233% | 3,684 |
| Equity capital to assets | 16.1517% | 514 |
| Core capital (leverage) ratio | 15.2320% | 649 |
| Tier 1 risk-based capital ratio | 31.0955% | 427 |
| Total risk-based capital ratio | 32.3550% | 425 |
| Memoranda: | ||
| Average total assets | $104,455,000 | 4,062 |
| Average earning assets | $93,953,750 | 4,107 |
| Average equity | $16,610,250 | 3,468 |
| Average total loans | $35,098,750 | 4,736 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 4,583 |
| Cost of funding earning assets | 0.3911% | 3,799 |
| Net interest margin | 3.3093% | 4,225 |
| Noninterest income to average assets | 0.1799% | 4,925 |
| Noninterest expense to average assets | 2.4369% | 3,806 |
| Loan and lease loss provision to assets | 0.1136% | 1,746 |
| Net operating income to assets | 0.6381% | 4,384 |
| Return on assets (ROA) | 0.6381% | 4,390 |
| Pretax return on assets | 0.6097% | 4,726 |
| Return on Equity (ROE) | 4.0329% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.0329% | 3,603 |
| Net charge-offs to loans | 0.3169% | 504 |
| Credit loss provision to net charge-offs | 109.0909% | 1,903 |
| Earnings coverage of net charge-offs (x) | 6.9455% | 2,586 |
| Efficiency ratio | 77.1120% | 1,300 |
| Assets per employee ($millions) | 5.0353% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7716% | 186 |
| Loan loss allowance to noncurrent loans | 171.4038% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 1,931 |
| Noncurrent loans to loans | 1.6170% | 1,002 |
| Net loans and leases to total assets | 32.8113% | 5,269 |
| Net loans and leases to deposits | 39.8194% | 5,249 |
| Net loans and leases to core deposits | 41.4378% | 5,252 |
| Total domestic deposits to total assets | 82.4004% | 3,592 |
| Equity capital to assets | 15.6363% | 569 |
| Core capital (leverage) ratio | 14.6566% | 741 |
| Tier 1 risk-based capital ratio | 30.6791% | 454 |
| Total risk-based capital ratio | 31.9394% | 447 |
| Memoranda: | ||
| Average total assets | $105,627,670 | 4,079 |
| Average earning assets | $95,125,330 | 4,126 |
| Average equity | $16,712,670 | 3,477 |
| Average total loans | $34,714,330 | 4,792 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 4,755 |
| Cost of funding earning assets | 0.3869% | 3,683 |
| Net interest margin | 3.1880% | 4,507 |
| Noninterest income to average assets | 0.3334% | 3,924 |
| Noninterest expense to average assets | 2.5462% | 3,509 |
| Loan and lease loss provision to assets | 0.0758% | 2,248 |
| Net operating income to assets | 0.6100% | 4,399 |
| Return on assets (ROA) | 0.6100% | 4,404 |
| Pretax return on assets | 0.5835% | 4,725 |
| Return on Equity (ROE) | 3.8329% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.8329% | 3,661 |
| Net charge-offs to loans | 0.6895% | 217 |
| Credit loss provision to net charge-offs | 33.8983% | 2,045 |
| Earnings coverage of net charge-offs (x) | 2.9492% | 2,420 |
| Efficiency ratio | 79.4326% | 1,205 |
| Assets per employee ($millions) | 5.3390% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7827% | 195 |
| Loan loss allowance to noncurrent loans | 320.3390% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.8850% | 1,796 |
| Noncurrent loans to loans | 0.8687% | 2,082 |
| Net loans and leases to total assets | 30.9190% | 5,347 |
| Net loans and leases to deposits | 37.3321% | 5,331 |
| Net loans and leases to core deposits | 38.7082% | 5,340 |
| Total domestic deposits to total assets | 82.8215% | 3,718 |
| Equity capital to assets | 15.3279% | 596 |
| Core capital (leverage) ratio | 14.4130% | 782 |
| Tier 1 risk-based capital ratio | 31.0607% | 435 |
| Total risk-based capital ratio | 32.3205% | 428 |
| Memoranda: | ||
| Average total assets | $105,571,000 | 4,130 |
| Average earning assets | $95,105,500 | 4,168 |
| Average equity | $16,802,000 | 3,497 |
| Average total loans | $34,229,500 | 4,855 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6232% | 4,522 |
| Cost of funding earning assets | 0.4041% | 3,209 |
| Net interest margin | 3.2191% | 4,397 |
| Noninterest income to average assets | 0.3179% | 4,188 |
| Noninterest expense to average assets | 2.5357% | 3,656 |
| Loan and lease loss provision to assets | 0.1731% | 1,263 |
| Net operating income to assets | 0.6010% | 4,005 |
| Return on assets (ROA) | 0.6358% | 3,904 |
| Pretax return on assets | 0.5436% | 4,856 |
| Return on Equity (ROE) | 3.8873% | 4,539 |
| Retained earnings to average equity (ytd only) | 1.8171% | 4,228 |
| Net charge-offs to loans | 0.5193% | 448 |
| Credit loss provision to net charge-offs | 102.7933% | 2,486 |
| Earnings coverage of net charge-offs (x) | 4.0503% | 3,526 |
| Efficiency ratio | 78.8074% | 1,247 |
| Assets per employee ($millions) | 4.9697% | 2,518 |
| Cash dividends to net income (ytd only)* | 53.2544% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8523% | 167 |
| Loan loss allowance to noncurrent loans | 125.3503% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 1,692 |
| Noncurrent loans to loans | 2.2754% | 623 |
| Net loans and leases to total assets | 32.1139% | 5,390 |
| Net loans and leases to deposits | 39.3239% | 5,358 |
| Net loans and leases to core deposits | 40.8266% | 5,365 |
| Total domestic deposits to total assets | 81.6650% | 3,951 |
| Equity capital to assets | 16.5164% | 452 |
| Core capital (leverage) ratio | 14.4028% | 752 |
| Tier 1 risk-based capital ratio | 31.4544% | 402 |
| Total risk-based capital ratio | 32.7146% | 402 |
| Memoranda: | ||
| Average total assets | $106,323,000 | 4,125 |
| Average earning assets | $95,773,000 | 4,164 |
| Average equity | $17,390,000 | 3,450 |
| Average total loans | $34,471,000 | 4,887 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5893% | 4,591 |
| Cost of funding earning assets | 0.4076% | 3,111 |
| Net interest margin | 3.1817% | 4,505 |
| Noninterest income to average assets | 0.3083% | 4,322 |
| Noninterest expense to average assets | 2.3904% | 4,043 |
| Loan and lease loss provision to assets | 0.1548% | 1,336 |
| Net operating income to assets | 0.6528% | 4,177 |
| Return on assets (ROA) | 0.6965% | 4,068 |
| Pretax return on assets | 0.6716% | 4,673 |
| Return on Equity (ROE) | 4.2688% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.2688% | 3,359 |
| Net charge-offs to loans | 0.8240% | 221 |
| Credit loss provision to net charge-offs | 58.2160% | 2,827 |
| Earnings coverage of net charge-offs (x) | 2.9437% | 3,403 |
| Efficiency ratio | 75.3344% | 1,686 |
| Assets per employee ($millions) | 4.9920% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5892% | 238 |
| Loan loss allowance to noncurrent loans | 160.9403% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 2,818 |
| Noncurrent loans to loans | 1.6088% | 1,139 |
| Net loans and leases to total assets | 31.9406% | 5,457 |
| Net loans and leases to deposits | 39.5722% | 5,434 |
| Net loans and leases to core deposits | 41.1619% | 5,435 |
| Total domestic deposits to total assets | 80.7149% | 4,129 |
| Equity capital to assets | 17.3296% | 394 |
| Core capital (leverage) ratio | 14.8464% | 692 |
| Tier 1 risk-based capital ratio | 31.9123% | 422 |
| Total risk-based capital ratio | 33.1696% | 416 |
| Memoranda: | ||
| Average total assets | $106,813,000 | 4,162 |
| Average earning assets | $96,171,750 | 4,203 |
| Average equity | $17,428,250 | 3,475 |
| Average total loans | $34,464,000 | 4,935 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 4,546 |
| Cost of funding earning assets | 0.4076% | 2,997 |
| Net interest margin | 3.1800% | 4,473 |
| Noninterest income to average assets | 0.2940% | 4,438 |
| Noninterest expense to average assets | 2.3950% | 4,060 |
| Loan and lease loss provision to assets | 0.0744% | 2,478 |
| Net operating income to assets | 0.7090% | 3,802 |
| Return on assets (ROA) | 0.7741% | 3,574 |
| Pretax return on assets | 0.7500% | 4,433 |
| Return on Equity (ROE) | 4.8423% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.8423% | 2,814 |
| Net charge-offs to loans | 0.5044% | 388 |
| Credit loss provision to net charge-offs | 45.9770% | 2,601 |
| Earnings coverage of net charge-offs (x) | 4.6897% | 2,898 |
| Efficiency ratio | 75.9292% | 1,727 |
| Assets per employee ($millions) | 5.1002% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7518% | 208 |
| Loan loss allowance to noncurrent loans | 168.5353% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 2,869 |
| Noncurrent loans to loans | 1.6328% | 1,130 |
| Net loans and leases to total assets | 30.7524% | 5,528 |
| Net loans and leases to deposits | 37.8351% | 5,511 |
| Net loans and leases to core deposits | 39.3080% | 5,517 |
| Total domestic deposits to total assets | 81.2799% | 4,110 |
| Equity capital to assets | 16.8313% | 425 |
| Core capital (leverage) ratio | 14.2921% | 783 |
| Tier 1 risk-based capital ratio | 31.8010% | 412 |
| Total risk-based capital ratio | 33.0587% | 402 |
| Memoranda: | ||
| Average total assets | $107,473,330 | 4,175 |
| Average earning assets | $96,667,330 | 4,222 |
| Average equity | $17,182,000 | 3,511 |
| Average total loans | $34,494,000 | 4,967 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 4,546 |
| Cost of funding earning assets | 0.4062% | 2,934 |
| Net interest margin | 3.1457% | 4,514 |
| Noninterest income to average assets | 0.2341% | 4,867 |
| Noninterest expense to average assets | 2.5600% | 3,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5610% | 4,322 |
| Return on assets (ROA) | 0.5610% | 4,369 |
| Pretax return on assets | 0.4942% | 4,982 |
| Return on Equity (ROE) | 3.6039% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.6039% | 3,638 |
| Net charge-offs to loans | -0.0230% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8200% | 987 |
| Assets per employee ($millions) | 4.9985% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8324% | 215 |
| Loan loss allowance to noncurrent loans | 179.3419% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 3,064 |
| Noncurrent loans to loans | 1.5793% | 1,238 |
| Net loans and leases to total assets | 30.6034% | 5,569 |
| Net loans and leases to deposits | 36.9832% | 5,550 |
| Net loans and leases to core deposits | 38.3552% | 5,566 |
| Total domestic deposits to total assets | 82.7495% | 3,930 |
| Equity capital to assets | 15.5000% | 566 |
| Core capital (leverage) ratio | 14.0805% | 821 |
| Tier 1 risk-based capital ratio | 31.0570% | 445 |
| Total risk-based capital ratio | 32.3160% | 440 |
| Memoranda: | ||
| Average total assets | $107,658,000 | 4,211 |
| Average earning assets | $96,512,500 | 4,264 |
| Average equity | $16,759,500 | 3,575 |
| Average total loans | $34,806,500 | 5,006 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 4,629 |
| Cost of funding earning assets | 0.4144% | 2,871 |
| Net interest margin | 3.1400% | 4,612 |
| Noninterest income to average assets | 0.5791% | 2,764 |
| Noninterest expense to average assets | 2.5840% | 3,728 |
| Loan and lease loss provision to assets | 0.1871% | 1,261 |
| Net operating income to assets | 0.6483% | 4,009 |
| Return on assets (ROA) | 0.6848% | 3,962 |
| Pretax return on assets | 0.6801% | 4,555 |
| Return on Equity (ROE) | 4.1683% | 4,778 |
| Retained earnings to average equity (ytd only) | 2.1183% | 4,327 |
| Net charge-offs to loans | 0.8083% | 250 |
| Credit loss provision to net charge-offs | 69.4444% | 3,138 |
| Earnings coverage of net charge-offs (x) | 3.0833% | 3,723 |
| Efficiency ratio | 75.6712% | 2,033 |
| Assets per employee ($millions) | 4.7885% | 2,670 |
| Cash dividends to net income (ytd only)* | 49.1803% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7989% | 223 |
| Loan loss allowance to noncurrent loans | 136.5411% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8125% | 2,321 |
| Noncurrent loans to loans | 2.0499% | 873 |
| Net loans and leases to total assets | 32.2730% | 5,589 |
| Net loans and leases to deposits | 39.0802% | 5,573 |
| Net loans and leases to core deposits | 40.4755% | 5,586 |
| Total domestic deposits to total assets | 82.5815% | 3,905 |
| Equity capital to assets | 15.6377% | 542 |
| Core capital (leverage) ratio | 14.2893% | 735 |
| Tier 1 risk-based capital ratio | 30.3679% | 467 |
| Total risk-based capital ratio | 31.6271% | 464 |
| Memoranda: | ||
| Average total assets | $106,889,600 | 4,228 |
| Average earning assets | $96,527,200 | 4,262 |
| Average equity | $17,561,000 | 3,482 |
| Average total loans | $35,629,200 | 5,027 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 4,544 |
| Cost of funding earning assets | 0.4159% | 2,877 |
| Net interest margin | 3.1886% | 4,515 |
| Noninterest income to average assets | 0.6699% | 2,312 |
| Noninterest expense to average assets | 2.4646% | 4,093 |
| Loan and lease loss provision to assets | 0.1740% | 1,292 |
| Net operating income to assets | 0.8359% | 3,213 |
| Return on assets (ROA) | 0.8800% | 3,131 |
| Pretax return on assets | 0.9670% | 3,755 |
| Return on Equity (ROE) | 5.2935% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.2935% | 2,635 |
| Net charge-offs to loans | 0.7823% | 232 |
| Credit loss provision to net charge-offs | 66.6667% | 2,837 |
| Earnings coverage of net charge-offs (x) | 4.1858% | 3,305 |
| Efficiency ratio | 69.2872% | 3,004 |
| Assets per employee ($millions) | 5.0334% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8567% | 225 |
| Loan loss allowance to noncurrent loans | 122.7833% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 2,308 |
| Noncurrent loans to loans | 2.3266% | 790 |
| Net loans and leases to total assets | 32.0751% | 5,677 |
| Net loans and leases to deposits | 39.8252% | 5,638 |
| Net loans and leases to core deposits | 41.0177% | 5,659 |
| Total domestic deposits to total assets | 80.5396% | 4,377 |
| Equity capital to assets | 17.5446% | 388 |
| Core capital (leverage) ratio | 14.5390% | 715 |
| Tier 1 risk-based capital ratio | 32.2009% | 408 |
| Total risk-based capital ratio | 33.4611% | 398 |
| Memoranda: | ||
| Average total assets | $107,275,000 | 4,254 |
| Average earning assets | $97,134,750 | 4,289 |
| Average equity | $17,832,750 | 3,460 |
| Average total loans | $35,792,000 | 5,070 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5554% | 4,722 |
| Cost of funding earning assets | 0.4119% | 2,923 |
| Net interest margin | 3.1435% | 4,708 |
| Noninterest income to average assets | 0.8367% | 1,588 |
| Noninterest expense to average assets | 2.4490% | 4,184 |
| Loan and lease loss provision to assets | 0.1484% | 1,549 |
| Net operating income to assets | 0.9239% | 2,751 |
| Return on assets (ROA) | 0.9555% | 2,747 |
| Pretax return on assets | 1.1225% | 3,115 |
| Return on Equity (ROE) | 5.8538% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.8538% | 2,211 |
| Net charge-offs to loans | 0.2106% | 1,113 |
| Credit loss provision to net charge-offs | 210.5263% | 1,254 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,871 |
| Efficiency ratio | 66.4987% | 3,602 |
| Assets per employee ($millions) | 5.1153% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0732% | 179 |
| Loan loss allowance to noncurrent loans | 107.7745% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0287% | 2,078 |
| Noncurrent loans to loans | 2.8515% | 539 |
| Net loans and leases to total assets | 32.5607% | 5,727 |
| Net loans and leases to deposits | 40.1845% | 5,686 |
| Net loans and leases to core deposits | 41.3581% | 5,699 |
| Total domestic deposits to total assets | 81.0279% | 4,266 |
| Equity capital to assets | 17.1140% | 419 |
| Core capital (leverage) ratio | 14.0631% | 803 |
| Tier 1 risk-based capital ratio | 30.9580% | 458 |
| Total risk-based capital ratio | 32.2203% | 449 |
| Memoranda: | ||
| Average total assets | $107,799,330 | 4,269 |
| Average earning assets | $97,597,330 | 4,313 |
| Average equity | $17,595,330 | 3,501 |
| Average total loans | $36,089,000 | 5,103 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 4,749 |
| Cost of funding earning assets | 0.4093% | 2,973 |
| Net interest margin | 3.1473% | 4,737 |
| Noninterest income to average assets | 0.3741% | 4,042 |
| Noninterest expense to average assets | 2.2595% | 4,759 |
| Loan and lease loss provision to assets | 0.0741% | 2,480 |
| Net operating income to assets | 0.7897% | 3,300 |
| Return on assets (ROA) | 0.8556% | 3,088 |
| Pretax return on assets | 0.9631% | 3,608 |
| Return on Equity (ROE) | 5.3718% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.3718% | 2,730 |
| Net charge-offs to loans | 0.1773% | 1,084 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,629 |
| Efficiency ratio | 70.1149% | 3,100 |
| Assets per employee ($millions) | 5.2705% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9573% | 233 |
| Loan loss allowance to noncurrent loans | 249.6503% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 3,713 |
| Noncurrent loans to loans | 1.1846% | 2,044 |
| Net loans and leases to total assets | 31.7534% | 5,786 |
| Net loans and leases to deposits | 38.5007% | 5,760 |
| Net loans and leases to core deposits | 39.6143% | 5,782 |
| Total domestic deposits to total assets | 82.4749% | 4,078 |
| Equity capital to assets | 15.8121% | 555 |
| Core capital (leverage) ratio | 13.9658% | 821 |
| Tier 1 risk-based capital ratio | 29.9632% | 510 |
| Total risk-based capital ratio | 31.2247% | 504 |
| Memoranda: | ||
| Average total assets | $107,988,500 | 4,303 |
| Average earning assets | $97,734,500 | 4,344 |
| Average equity | $17,201,000 | 3,552 |
| Average total loans | $36,090,500 | 5,141 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6648% | 4,472 |
| Cost of funding earning assets | 0.4259% | 2,888 |
| Net interest margin | 3.2388% | 4,507 |
| Noninterest income to average assets | 0.3584% | 4,338 |
| Noninterest expense to average assets | 2.6217% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6395% | 4,090 |
| Return on assets (ROA) | 0.6920% | 3,962 |
| Pretax return on assets | 0.7110% | 4,504 |
| Return on Equity (ROE) | 4.3606% | 4,801 |
| Retained earnings to average equity (ytd only) | 2.3480% | 4,386 |
| Net charge-offs to loans | -0.0687% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9652% | 1,684 |
| Assets per employee ($millions) | 5.0141% | 2,352 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9668% | 227 |
| Loan loss allowance to noncurrent loans | 242.5000% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 3,613 |
| Noncurrent loans to loans | 1.2234% | 1,926 |
| Net loans and leases to total assets | 33.1428% | 5,801 |
| Net loans and leases to deposits | 40.3170% | 5,762 |
| Net loans and leases to core deposits | 41.9125% | 5,767 |
| Total domestic deposits to total assets | 82.2054% | 4,111 |
| Equity capital to assets | 16.0509% | 518 |
| Core capital (leverage) ratio | 14.2987% | 760 |
| Tier 1 risk-based capital ratio | 29.6125% | 525 |
| Total risk-based capital ratio | 30.8729% | 514 |
| Memoranda: | ||
| Average total assets | $105,200,800 | 4,355 |
| Average earning assets | $94,849,000 | 4,418 |
| Average equity | $16,694,800 | 3,568 |
| Average total loans | $36,377,800 | 5,141 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6772% | 4,493 |
| Cost of funding earning assets | 0.4261% | 2,950 |
| Net interest margin | 3.2511% | 4,522 |
| Noninterest income to average assets | 0.3714% | 4,275 |
| Noninterest expense to average assets | 2.3363% | 4,686 |
| Loan and lease loss provision to assets | 0.0634% | 2,914 |
| Net operating income to assets | 0.7990% | 3,427 |
| Return on assets (ROA) | 0.8633% | 3,206 |
| Pretax return on assets | 0.9748% | 3,713 |
| Return on Equity (ROE) | 5.4555% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.4555% | 2,603 |
| Net charge-offs to loans | -0.1389% | 5,900 |
| Credit loss provision to net charge-offs | -131.5789% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7486% | 3,088 |
| Assets per employee ($millions) | 4.8741% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0821% | 224 |
| Loan loss allowance to noncurrent loans | 216.8906% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 3,536 |
| Noncurrent loans to loans | 1.4211% | 1,782 |
| Net loans and leases to total assets | 34.7148% | 5,827 |
| Net loans and leases to deposits | 42.5652% | 5,778 |
| Net loans and leases to core deposits | 44.3127% | 5,785 |
| Total domestic deposits to total assets | 81.5567% | 4,304 |
| Equity capital to assets | 16.6857% | 470 |
| Core capital (leverage) ratio | 14.7305% | 691 |
| Tier 1 risk-based capital ratio | 30.1819% | 514 |
| Total risk-based capital ratio | 31.4456% | 506 |
| Memoranda: | ||
| Average total assets | $105,177,000 | 4,399 |
| Average earning assets | $94,815,500 | 4,465 |
| Average equity | $16,643,250 | 3,607 |
| Average total loans | $36,481,000 | 5,196 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 4,638 |
| Cost of funding earning assets | 0.4222% | 3,018 |
| Net interest margin | 3.2085% | 4,633 |
| Noninterest income to average assets | 0.3732% | 4,272 |
| Noninterest expense to average assets | 2.3107% | 4,819 |
| Loan and lease loss provision to assets | 0.0188% | 3,755 |
| Net operating income to assets | 0.8237% | 3,255 |
| Return on assets (ROA) | 0.9348% | 2,830 |
| Pretax return on assets | 1.0630% | 3,327 |
| Return on Equity (ROE) | 6.0129% | 4,124 |
| Retained earnings to average equity (ytd only) | 6.0129% | 2,238 |
| Net charge-offs to loans | -0.2746% | 6,101 |
| Credit loss provision to net charge-offs | -20.0000% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7444% | 3,205 |
| Assets per employee ($millions) | 4.9832% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9631% | 278 |
| Loan loss allowance to noncurrent loans | 110.3103% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 2,451 |
| Noncurrent loans to loans | 2.6861% | 803 |
| Net loans and leases to total assets | 34.4864% | 5,886 |
| Net loans and leases to deposits | 41.6824% | 5,850 |
| Net loans and leases to core deposits | 43.6332% | 5,841 |
| Total domestic deposits to total assets | 82.7362% | 4,053 |
| Equity capital to assets | 15.5246% | 601 |
| Core capital (leverage) ratio | 13.9010% | 870 |
| Tier 1 risk-based capital ratio | 28.6297% | 606 |
| Total risk-based capital ratio | 29.8908% | 598 |
| Memoranda: | ||
| Average total assets | $106,117,000 | 4,417 |
| Average earning assets | $95,682,670 | 4,479 |
| Average equity | $16,498,000 | 3,640 |
| Average total loans | $36,420,330 | 5,246 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 4,675 |
| Cost of funding earning assets | 0.4144% | 3,141 |
| Net interest margin | 3.1912% | 4,641 |
| Noninterest income to average assets | 0.3781% | 4,176 |
| Noninterest expense to average assets | 2.4670% | 4,381 |
| Loan and lease loss provision to assets | 0.0374% | 3,150 |
| Net operating income to assets | 0.6733% | 3,933 |
| Return on assets (ROA) | 0.7599% | 3,622 |
| Pretax return on assets | 0.8535% | 4,045 |
| Return on Equity (ROE) | 4.8845% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.8845% | 3,120 |
| Net charge-offs to loans | -0.1998% | 6,061 |
| Credit loss provision to net charge-offs | -55.5556% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6602% | 2,559 |
| Assets per employee ($millions) | 4.9400% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9794% | 304 |
| Loan loss allowance to noncurrent loans | 195.9707% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 3,730 |
| Noncurrent loans to loans | 1.5203% | 1,856 |
| Net loans and leases to total assets | 32.0602% | 5,997 |
| Net loans and leases to deposits | 38.7170% | 5,963 |
| Net loans and leases to core deposits | 40.3350% | 5,964 |
| Total domestic deposits to total assets | 82.8064% | 4,231 |
| Equity capital to assets | 15.5024% | 622 |
| Core capital (leverage) ratio | 13.6892% | 904 |
| Tier 1 risk-based capital ratio | 30.9199% | 498 |
| Total risk-based capital ratio | 32.1821% | 495 |
| Memoranda: | ||
| Average total assets | $106,852,000 | 4,439 |
| Average earning assets | $96,516,000 | 4,491 |
| Average equity | $16,624,000 | 3,646 |
| Average total loans | $36,035,000 | 5,297 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,642 |
| Cost of funding earning assets | 0.5222% | 2,471 |
| Net interest margin | 3.4986% | 3,804 |
| Noninterest income to average assets | 0.4506% | 3,824 |
| Noninterest expense to average assets | 2.4189% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9830% | 2,467 |
| Return on assets (ROA) | 0.9822% | 2,547 |
| Pretax return on assets | 1.1585% | 2,830 |
| Return on Equity (ROE) | 6.8997% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.8921% | 2,687 |
| Net charge-offs to loans | -0.2741% | 6,323 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5985% | 3,963 |
| Assets per employee ($millions) | 4.7738% | 2,627 |
| Cash dividends to net income (ytd only)* | 29.0980% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8819% | 339 |
| Loan loss allowance to noncurrent loans | 219.3684% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 4,251 |
| Noncurrent loans to loans | 1.3137% | 2,243 |
| Net loans and leases to total assets | 33.4352% | 6,065 |
| Net loans and leases to deposits | 40.4588% | 6,020 |
| Net loans and leases to core deposits | 42.2131% | 6,031 |
| Total domestic deposits to total assets | 82.6402% | 4,202 |
| Equity capital to assets | 15.6155% | 587 |
| Core capital (leverage) ratio | 13.9571% | 825 |
| Tier 1 risk-based capital ratio | 31.1674% | 469 |
| Total risk-based capital ratio | 32.4294% | 459 |
| Memoranda: | ||
| Average total assets | $104,964,400 | 4,480 |
| Average earning assets | $93,838,000 | 4,560 |
| Average equity | $14,942,600 | 3,848 |
| Average total loans | $37,217,400 | 5,286 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,406 |
| Cost of funding earning assets | 0.5568% | 2,224 |
| Net interest margin | 3.5371% | 3,686 |
| Noninterest income to average assets | 0.4510% | 3,890 |
| Noninterest expense to average assets | 2.2067% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1419% | 1,889 |
| Return on assets (ROA) | 1.1408% | 1,959 |
| Pretax return on assets | 1.3987% | 2,010 |
| Return on Equity (ROE) | 8.2129% | 3,090 |
| Retained earnings to average equity (ytd only) | 8.2129% | 1,261 |
| Net charge-offs to loans | -0.2988% | 6,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1835% | 5,009 |
| Assets per employee ($millions) | 4.6331% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6942% | 490 |
| Loan loss allowance to noncurrent loans | 263.2391% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 4,730 |
| Noncurrent loans to loans | 1.0235% | 3,026 |
| Net loans and leases to total assets | 36.2835% | 6,022 |
| Net loans and leases to deposits | 43.9672% | 5,974 |
| Net loans and leases to core deposits | 45.4219% | 5,977 |
| Total domestic deposits to total assets | 82.5239% | 4,293 |
| Equity capital to assets | 15.7091% | 603 |
| Core capital (leverage) ratio | 14.2008% | 794 |
| Tier 1 risk-based capital ratio | 30.1303% | 516 |
| Total risk-based capital ratio | 31.3908% | 509 |
| Memoranda: | ||
| Average total assets | $104,949,500 | 4,521 |
| Average earning assets | $93,634,250 | 4,607 |
| Average equity | $14,578,250 | 3,931 |
| Average total loans | $37,482,500 | 5,322 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 3,285 |
| Cost of funding earning assets | 0.6205% | 1,729 |
| Net interest margin | 3.4942% | 3,808 |
| Noninterest income to average assets | 0.4625% | 3,769 |
| Noninterest expense to average assets | 2.1348% | 5,550 |
| Loan and lease loss provision to assets | 0.1888% | 1,288 |
| Net operating income to assets | 1.0170% | 2,257 |
| Return on assets (ROA) | 1.0155% | 2,336 |
| Pretax return on assets | 1.2515% | 2,447 |
| Return on Equity (ROE) | 7.6310% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.6310% | 1,462 |
| Net charge-offs to loans | -0.3645% | 6,471 |
| Credit loss provision to net charge-offs | -147.0588% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6834% | 5,337 |
| Assets per employee ($millions) | 4.7767% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9848% | 391 |
| Loan loss allowance to noncurrent loans | 236.2473% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 4,616 |
| Noncurrent loans to loans | 1.2634% | 2,697 |
| Net loans and leases to total assets | 34.2694% | 6,136 |
| Net loans and leases to deposits | 40.9294% | 6,112 |
| Net loans and leases to core deposits | 42.2202% | 6,140 |
| Total domestic deposits to total assets | 83.7279% | 4,025 |
| Equity capital to assets | 14.5887% | 797 |
| Core capital (leverage) ratio | 13.0346% | 1,147 |
| Tier 1 risk-based capital ratio | 30.0644% | 517 |
| Total risk-based capital ratio | 31.3289% | 512 |
| Memoranda: | ||
| Average total assets | $105,956,670 | 4,535 |
| Average earning assets | $94,441,000 | 4,630 |
| Average equity | $14,100,330 | 4,033 |
| Average total loans | $37,307,670 | 5,360 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,447 |
| Cost of funding earning assets | 0.5323% | 2,578 |
| Net interest margin | 3.5231% | 3,593 |
| Noninterest income to average assets | 0.4850% | 3,526 |
| Noninterest expense to average assets | 2.3047% | 5,183 |
| Loan and lease loss provision to assets | 0.2256% | 991 |
| Net operating income to assets | 0.8880% | 2,713 |
| Return on assets (ROA) | 0.8911% | 2,762 |
| Pretax return on assets | 1.0941% | 2,933 |
| Return on Equity (ROE) | 7.0300% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.0300% | 2,038 |
| Net charge-offs to loans | -0.6952% | 6,592 |
| Credit loss provision to net charge-offs | -92.3077% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6552% | 4,911 |
| Assets per employee ($millions) | 4.9382% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8184% | 529 |
| Loan loss allowance to noncurrent loans | 143.7247% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 4,023 |
| Noncurrent loans to loans | 1.9610% | 1,916 |
| Net loans and leases to total assets | 33.8015% | 6,190 |
| Net loans and leases to deposits | 39.6130% | 6,182 |
| Net loans and leases to core deposits | 44.3272% | 6,062 |
| Total domestic deposits to total assets | 85.3295% | 3,706 |
| Equity capital to assets | 12.9943% | 1,308 |
| Core capital (leverage) ratio | 13.0041% | 1,161 |
| Tier 1 risk-based capital ratio | 27.8439% | 652 |
| Total risk-based capital ratio | 29.1063% | 640 |
| Memoranda: | ||
| Average total assets | $106,391,000 | 4,576 |
| Average earning assets | $94,690,000 | 4,665 |
| Average equity | $13,485,000 | 4,153 |
| Average total loans | $37,401,000 | 5,412 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 3,348 |
| Cost of funding earning assets | 0.4649% | 3,969 |
| Net interest margin | 3.7361% | 2,916 |
| Noninterest income to average assets | 0.4436% | 4,131 |
| Noninterest expense to average assets | 2.9239% | 3,300 |
| Loan and lease loss provision to assets | 0.2089% | 1,769 |
| Net operating income to assets | 0.5486% | 4,514 |
| Return on assets (ROA) | 1.1437% | 1,845 |
| Pretax return on assets | 1.2959% | 2,174 |
| Return on Equity (ROE) | 8.1407% | 2,963 |
| Retained earnings to average equity (ytd only) | 5.1676% | 2,494 |
| Net charge-offs to loans | 0.2628% | 2,389 |
| Credit loss provision to net charge-offs | 207.9208% | 1,108 |
| Earnings coverage of net charge-offs (x) | 8.2475% | 2,699 |
| Efficiency ratio | 77.9221% | 2,483 |
| Assets per employee ($millions) | 4.5279% | 2,856 |
| Cash dividends to net income (ytd only)* | 36.5217% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5395% | 790 |
| Loan loss allowance to noncurrent loans | 101.1841% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 3,618 |
| Noncurrent loans to loans | 2.5098% | 1,505 |
| Net loans and leases to total assets | 34.6402% | 6,260 |
| Net loans and leases to deposits | 40.2969% | 6,293 |
| Net loans and leases to core deposits | 45.4351% | 6,163 |
| Total domestic deposits to total assets | 85.9624% | 3,274 |
| Equity capital to assets | 12.3418% | 1,600 |
| Core capital (leverage) ratio | 13.8386% | 872 |
| Tier 1 risk-based capital ratio | 27.1322% | 666 |
| Total risk-based capital ratio | 28.3882% | 654 |
| Memoranda: | ||
| Average total assets | $100,549,000 | 4,727 |
| Average earning assets | $89,049,200 | 4,803 |
| Average equity | $14,126,600 | 4,041 |
| Average total loans | $38,428,000 | 5,414 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 3,298 |
| Cost of funding earning assets | 0.4668% | 4,096 |
| Net interest margin | 3.7573% | 2,813 |
| Noninterest income to average assets | 0.4576% | 4,099 |
| Noninterest expense to average assets | 2.8914% | 3,330 |
| Loan and lease loss provision to assets | 0.2810% | 1,240 |
| Net operating income to assets | 0.4969% | 4,806 |
| Return on assets (ROA) | 1.2430% | 1,577 |
| Pretax return on assets | 1.5226% | 1,538 |
| Return on Equity (ROE) | 8.5749% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.5749% | 1,207 |
| Net charge-offs to loans | -0.0447% | 6,276 |
| Credit loss provision to net charge-offs | -1,615.3846% | 6,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3874% | 2,670 |
| Assets per employee ($millions) | 4.0225% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7674% | 693 |
| Loan loss allowance to noncurrent loans | 122.5581% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 3,857 |
| Noncurrent loans to loans | 2.2580% | 1,943 |
| Net loans and leases to total assets | 38.3588% | 6,152 |
| Net loans and leases to deposits | 45.8618% | 6,110 |
| Net loans and leases to core deposits | 47.7512% | 6,137 |
| Total domestic deposits to total assets | 83.6401% | 4,328 |
| Equity capital to assets | 13.8811% | 998 |
| Core capital (leverage) ratio | 14.3583% | 775 |
| Tier 1 risk-based capital ratio | 27.3719% | 678 |
| Total risk-based capital ratio | 28.6325% | 662 |
| Memoranda: | ||
| Average total assets | $99,650,750 | 4,793 |
| Average earning assets | $88,252,500 | 4,863 |
| Average equity | $14,445,000 | 4,028 |
| Average total loans | $38,781,250 | 5,447 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 3,688 |
| Cost of funding earning assets | 0.4711% | 4,192 |
| Net interest margin | 3.6416% | 3,203 |
| Noninterest income to average assets | 0.4509% | 4,156 |
| Noninterest expense to average assets | 2.8643% | 3,457 |
| Loan and lease loss provision to assets | 0.2384% | 1,557 |
| Net operating income to assets | 0.4628% | 4,962 |
| Return on assets (ROA) | 1.5513% | 887 |
| Pretax return on assets | 1.9486% | 672 |
| Return on Equity (ROE) | 10.5590% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.5590% | 731 |
| Net charge-offs to loans | 0.1282% | 3,098 |
| Credit loss provision to net charge-offs | 480.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 16.6400% | 1,653 |
| Efficiency ratio | 77.6103% | 2,525 |
| Assets per employee ($millions) | 3.9855% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4398% | 1,051 |
| Loan loss allowance to noncurrent loans | 60.2865% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5607% | 2,772 |
| Noncurrent loans to loans | 4.0470% | 955 |
| Net loans and leases to total assets | 37.1629% | 6,227 |
| Net loans and leases to deposits | 43.7347% | 6,244 |
| Net loans and leases to core deposits | 45.9074% | 6,236 |
| Total domestic deposits to total assets | 84.9735% | 3,900 |
| Equity capital to assets | 12.8898% | 1,388 |
| Core capital (leverage) ratio | 13.3913% | 1,019 |
| Tier 1 risk-based capital ratio | 26.6377% | 723 |
| Total risk-based capital ratio | 27.8959% | 709 |
| Memoranda: | ||
| Average total assets | $100,687,330 | 4,795 |
| Average earning assets | $89,575,000 | 4,856 |
| Average equity | $14,793,000 | 3,986 |
| Average total loans | $39,013,000 | 5,468 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 4,254 |
| Cost of funding earning assets | 0.4733% | 4,341 |
| Net interest margin | 3.4903% | 3,744 |
| Noninterest income to average assets | 0.4268% | 4,273 |
| Noninterest expense to average assets | 2.7586% | 3,837 |
| Loan and lease loss provision to assets | 0.2371% | 1,535 |
| Net operating income to assets | 0.4364% | 4,974 |
| Return on assets (ROA) | 2.3199% | 214 |
| Pretax return on assets | 2.9641% | 162 |
| Return on Equity (ROE) | 14.8909% | 793 |
| Retained earnings to average equity (ytd only) | 14.8909% | 364 |
| Net charge-offs to loans | -0.1214% | 6,522 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8149% | 2,639 |
| Assets per employee ($millions) | 4.1355% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3269% | 1,364 |
| Loan loss allowance to noncurrent loans | 56.8282% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5553% | 2,932 |
| Noncurrent loans to loans | 4.0946% | 1,084 |
| Net loans and leases to total assets | 36.6619% | 6,249 |
| Net loans and leases to deposits | 44.2592% | 6,185 |
| Net loans and leases to core deposits | 46.2803% | 6,197 |
| Total domestic deposits to total assets | 82.8346% | 4,909 |
| Equity capital to assets | 15.0308% | 749 |
| Core capital (leverage) ratio | 13.3614% | 992 |
| Tier 1 risk-based capital ratio | 26.6741% | 734 |
| Total risk-based capital ratio | 27.9302% | 724 |
| Memoranda: | ||
| Average total assets | $101,212,500 | 4,835 |
| Average earning assets | $90,423,000 | 4,879 |
| Average equity | $15,768,000 | 3,854 |
| Average total loans | $39,542,500 | 5,484 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 2,560 |
| Cost of funding earning assets | 0.5897% | 4,447 |
| Net interest margin | 4.1181% | 1,931 |
| Noninterest income to average assets | 0.4643% | 4,143 |
| Noninterest expense to average assets | 2.8834% | 3,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0275% | 2,219 |
| Return on assets (ROA) | 1.7020% | 694 |
| Pretax return on assets | 2.0971% | 493 |
| Return on Equity (ROE) | 11.1092% | 1,773 |
| Retained earnings to average equity (ytd only) | 8.1304% | 1,078 |
| Net charge-offs to loans | 0.4595% | 2,396 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 6.7368% | 2,756 |
| Efficiency ratio | 69.5166% | 3,894 |
| Assets per employee ($millions) | 3.9615% | 4,030 |
| Cash dividends to net income (ytd only)* | 26.8137% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0632% | 1,851 |
| Loan loss allowance to noncurrent loans | 44.2492% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 1.9558% | 2,503 |
| Noncurrent loans to loans | 4.6626% | 896 |
| Net loans and leases to total assets | 39.8306% | 6,180 |
| Net loans and leases to deposits | 48.6118% | 6,061 |
| Net loans and leases to core deposits | 50.9539% | 6,086 |
| Total domestic deposits to total assets | 81.9360% | 5,125 |
| Equity capital to assets | 16.1515% | 530 |
| Core capital (leverage) ratio | 12.9792% | 1,115 |
| Tier 1 risk-based capital ratio | 24.2965% | 936 |
| Total risk-based capital ratio | 25.5516% | 911 |
| Memoranda: | ||
| Average total assets | $101,235,800 | 4,799 |
| Average earning assets | $90,552,200 | 4,854 |
| Average equity | $15,509,600 | 3,856 |
| Average total loans | $41,347,000 | 5,447 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 2,618 |
| Cost of funding earning assets | 0.6087% | 4,557 |
| Net interest margin | 4.1320% | 1,968 |
| Noninterest income to average assets | 0.4755% | 4,097 |
| Noninterest expense to average assets | 2.7220% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2267% | 1,643 |
| Return on assets (ROA) | 1.9871% | 440 |
| Pretax return on assets | 2.3474% | 373 |
| Return on Equity (ROE) | 13.1441% | 1,302 |
| Retained earnings to average equity (ytd only) | 13.1441% | 380 |
| Net charge-offs to loans | 0.3781% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 9.3983% | 2,325 |
| Efficiency ratio | 65.2024% | 4,589 |
| Assets per employee ($millions) | 3.9682% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1914% | 1,723 |
| Loan loss allowance to noncurrent loans | 58.2581% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.6068% | 3,186 |
| Noncurrent loans to loans | 3.7615% | 1,412 |
| Net loans and leases to total assets | 40.6266% | 6,232 |
| Net loans and leases to deposits | 49.9294% | 6,111 |
| Net loans and leases to core deposits | 52.3435% | 6,163 |
| Total domestic deposits to total assets | 81.3681% | 5,245 |
| Equity capital to assets | 16.6391% | 510 |
| Core capital (leverage) ratio | 13.1500% | 1,133 |
| Tier 1 risk-based capital ratio | 24.5699% | 946 |
| Total risk-based capital ratio | 25.8254% | 940 |
| Memoranda: | ||
| Average total assets | $101,785,500 | 4,831 |
| Average earning assets | $91,123,500 | 4,884 |
| Average equity | $15,388,000 | 3,911 |
| Average total loans | $41,614,250 | 5,497 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 2,620 |
| Cost of funding earning assets | 0.6198% | 4,722 |
| Net interest margin | 4.1534% | 1,888 |
| Noninterest income to average assets | 0.4579% | 4,230 |
| Noninterest expense to average assets | 2.7610% | 4,176 |
| Loan and lease loss provision to assets | 0.3410% | 1,934 |
| Net operating income to assets | 0.8598% | 3,092 |
| Return on assets (ROA) | 1.6094% | 915 |
| Pretax return on assets | 2.0264% | 663 |
| Return on Equity (ROE) | 11.0023% | 1,993 |
| Retained earnings to average equity (ytd only) | 11.0023% | 745 |
| Net charge-offs to loans | 0.6180% | 1,779 |
| Credit loss provision to net charge-offs | 135.6589% | 2,030 |
| Earnings coverage of net charge-offs (x) | 5.6434% | 2,791 |
| Efficiency ratio | 66.0606% | 4,519 |
| Assets per employee ($millions) | 4.0870% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6466% | 1,101 |
| Loan loss allowance to noncurrent loans | 55.6309% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.9203% | 2,883 |
| Noncurrent loans to loans | 4.7574% | 1,069 |
| Net loans and leases to total assets | 38.4139% | 6,446 |
| Net loans and leases to deposits | 46.2215% | 6,420 |
| Net loans and leases to core deposits | 48.1955% | 6,449 |
| Total domestic deposits to total assets | 83.1082% | 4,709 |
| Equity capital to assets | 15.1438% | 751 |
| Core capital (leverage) ratio | 12.1317% | 1,532 |
| Tier 1 risk-based capital ratio | 23.4268% | 1,080 |
| Total risk-based capital ratio | 24.6857% | 1,063 |
| Memoranda: | ||
| Average total assets | $102,645,330 | 4,838 |
| Average earning assets | $91,972,000 | 4,872 |
| Average equity | $15,015,000 | 3,983 |
| Average total loans | $41,750,000 | 5,523 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 1,933 |
| Cost of funding earning assets | 0.6301% | 4,891 |
| Net interest margin | 4.3583% | 1,319 |
| Noninterest income to average assets | 0.4549% | 4,261 |
| Noninterest expense to average assets | 2.6516% | 4,615 |
| Loan and lease loss provision to assets | 0.4082% | 1,544 |
| Net operating income to assets | 0.9529% | 2,672 |
| Return on assets (ROA) | 2.2045% | 347 |
| Pretax return on assets | 2.9860% | 187 |
| Return on Equity (ROE) | 15.3388% | 917 |
| Retained earnings to average equity (ytd only) | 15.3388% | 425 |
| Net charge-offs to loans | -0.0659% | 6,650 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8929% | 5,472 |
| Assets per employee ($millions) | 4.1527% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6931% | 1,122 |
| Loan loss allowance to noncurrent loans | 65.1899% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 3,229 |
| Noncurrent loans to loans | 4.1312% | 1,465 |
| Net loans and leases to total assets | 39.4319% | 6,393 |
| Net loans and leases to deposits | 46.9639% | 6,362 |
| Net loans and leases to core deposits | 49.0616% | 6,391 |
| Total domestic deposits to total assets | 83.9622% | 4,509 |
| Equity capital to assets | 14.4100% | 886 |
| Core capital (leverage) ratio | 11.8484% | 1,674 |
| Tier 1 risk-based capital ratio | 21.6985% | 1,335 |
| Total risk-based capital ratio | 22.9590% | 1,308 |
| Memoranda: | ||
| Average total assets | $102,881,000 | 4,869 |
| Average earning assets | $92,055,000 | 4,904 |
| Average equity | $14,786,000 | 4,038 |
| Average total loans | $42,467,000 | 5,533 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2922% | 1,727 |
| Cost of funding earning assets | 0.8153% | 4,745 |
| Net interest margin | 4.4768% | 1,191 |
| Noninterest income to average assets | 0.4357% | 4,327 |
| Noninterest expense to average assets | 2.8780% | 4,048 |
| Loan and lease loss provision to assets | 0.4551% | 2,323 |
| Net operating income to assets | 0.9591% | 2,365 |
| Return on assets (ROA) | 1.3377% | 1,246 |
| Pretax return on assets | 1.4983% | 1,475 |
| Return on Equity (ROE) | 9.4550% | 2,263 |
| Retained earnings to average equity (ytd only) | 7.0695% | 1,469 |
| Net charge-offs to loans | 1.6065% | 986 |
| Credit loss provision to net charge-offs | 63.8451% | 5,061 |
| Earnings coverage of net charge-offs (x) | 2.1435% | 4,179 |
| Efficiency ratio | 64.8561% | 4,974 |
| Assets per employee ($millions) | 4.0778% | 3,697 |
| Cash dividends to net income (ytd only)* | 25.2294% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3820% | 1,491 |
| Loan loss allowance to noncurrent loans | 55.8229% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.8785% | 3,143 |
| Noncurrent loans to loans | 4.2670% | 1,432 |
| Net loans and leases to total assets | 41.0447% | 6,457 |
| Net loans and leases to deposits | 48.8141% | 6,442 |
| Net loans and leases to core deposits | 51.0256% | 6,475 |
| Total domestic deposits to total assets | 84.0836% | 4,286 |
| Equity capital to assets | 14.3332% | 955 |
| Core capital (leverage) ratio | 11.8816% | 1,671 |
| Tier 1 risk-based capital ratio | 19.9523% | 1,655 |
| Total risk-based capital ratio | 21.2092% | 1,622 |
| Memoranda: | ||
| Average total assets | $97,777,200 | 4,957 |
| Average earning assets | $86,712,800 | 5,033 |
| Average equity | $13,834,000 | 4,147 |
| Average total loans | $43,385,600 | 5,542 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4242% | 1,444 |
| Cost of funding earning assets | 0.8737% | 4,609 |
| Net interest margin | 4.5506% | 1,040 |
| Noninterest income to average assets | 0.4052% | 4,628 |
| Noninterest expense to average assets | 2.7966% | 4,357 |
| Loan and lease loss provision to assets | 0.4686% | 2,110 |
| Net operating income to assets | 1.0122% | 2,277 |
| Return on assets (ROA) | 1.4403% | 1,149 |
| Pretax return on assets | 1.6595% | 1,231 |
| Return on Equity (ROE) | 10.2152% | 2,127 |
| Retained earnings to average equity (ytd only) | 10.2152% | 787 |
| Net charge-offs to loans | 1.6637% | 835 |
| Credit loss provision to net charge-offs | 62.6151% | 4,721 |
| Earnings coverage of net charge-offs (x) | 2.1860% | 4,034 |
| Efficiency ratio | 62.6244% | 5,308 |
| Assets per employee ($millions) | 3.8923% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4866% | 1,413 |
| Loan loss allowance to noncurrent loans | 45.7656% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 2.4458% | 2,636 |
| Noncurrent loans to loans | 5.4334% | 1,098 |
| Net loans and leases to total assets | 43.1208% | 6,418 |
| Net loans and leases to deposits | 51.9822% | 6,368 |
| Net loans and leases to core deposits | 54.4843% | 6,425 |
| Total domestic deposits to total assets | 82.9531% | 4,704 |
| Equity capital to assets | 15.2269% | 790 |
| Core capital (leverage) ratio | 12.2232% | 1,580 |
| Tier 1 risk-based capital ratio | 20.8673% | 1,482 |
| Total risk-based capital ratio | 22.1256% | 1,454 |
| Memoranda: | ||
| Average total assets | $96,735,250 | 5,015 |
| Average earning assets | $85,613,750 | 5,104 |
| Average equity | $13,639,500 | 4,204 |
| Average total loans | $43,516,000 | 5,585 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 1,432 |
| Cost of funding earning assets | 0.9230% | 4,497 |
| Net interest margin | 4.5210% | 1,085 |
| Noninterest income to average assets | 0.5448% | 3,512 |
| Noninterest expense to average assets | 2.8609% | 4,187 |
| Loan and lease loss provision to assets | 0.2279% | 3,636 |
| Net operating income to assets | 1.2799% | 1,369 |
| Return on assets (ROA) | 1.3445% | 1,283 |
| Pretax return on assets | 1.5164% | 1,488 |
| Return on Equity (ROE) | 9.7984% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.7984% | 897 |
| Net charge-offs to loans | 1.1218% | 1,402 |
| Credit loss provision to net charge-offs | 44.8980% | 4,711 |
| Earnings coverage of net charge-offs (x) | 3.2939% | 3,224 |
| Efficiency ratio | 62.6600% | 5,465 |
| Assets per employee ($millions) | 3.8051% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6279% | 1,274 |
| Loan loss allowance to noncurrent loans | 47.3772% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 2.8267% | 2,373 |
| Noncurrent loans to loans | 5.5467% | 1,135 |
| Net loans and leases to total assets | 44.3271% | 6,412 |
| Net loans and leases to deposits | 53.1345% | 6,377 |
| Net loans and leases to core deposits | 55.3554% | 6,468 |
| Total domestic deposits to total assets | 83.4243% | 4,574 |
| Equity capital to assets | 14.8044% | 861 |
| Core capital (leverage) ratio | 11.7081% | 1,779 |
| Tier 1 risk-based capital ratio | 19.8369% | 1,643 |
| Total risk-based capital ratio | 21.0981% | 1,610 |
| Memoranda: | ||
| Average total assets | $96,544,330 | 5,061 |
| Average earning assets | $85,159,000 | 5,154 |
| Average equity | $13,247,000 | 4,285 |
| Average total loans | $43,678,000 | 5,625 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 1,841 |
| Cost of funding earning assets | 0.9946% | 4,237 |
| Net interest margin | 4.3148% | 1,517 |
| Noninterest income to average assets | 0.5511% | 3,503 |
| Noninterest expense to average assets | 2.8873% | 4,117 |
| Loan and lease loss provision to assets | 0.4319% | 2,032 |
| Net operating income to assets | 1.0236% | 2,097 |
| Return on assets (ROA) | 0.9666% | 2,356 |
| Pretax return on assets | 0.9748% | 3,229 |
| Return on Equity (ROE) | 7.3271% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.3271% | 2,011 |
| Net charge-offs to loans | 1.5046% | 907 |
| Credit loss provision to net charge-offs | 63.6364% | 3,474 |
| Earnings coverage of net charge-offs (x) | 2.1576% | 3,226 |
| Efficiency ratio | 65.8790% | 5,053 |
| Assets per employee ($millions) | 3.9137% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7895% | 1,124 |
| Loan loss allowance to noncurrent loans | 60.9854% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.3497% | 2,896 |
| Noncurrent loans to loans | 4.5741% | 1,520 |
| Net loans and leases to total assets | 43.2029% | 6,528 |
| Net loans and leases to deposits | 50.7992% | 6,566 |
| Net loans and leases to core deposits | 53.0183% | 6,622 |
| Total domestic deposits to total assets | 85.0465% | 4,012 |
| Equity capital to assets | 13.3173% | 1,255 |
| Core capital (leverage) ratio | 11.1106% | 2,108 |
| Tier 1 risk-based capital ratio | 18.8876% | 1,827 |
| Total risk-based capital ratio | 20.1483% | 1,790 |
| Memoranda: | ||
| Average total assets | $97,253,000 | 5,077 |
| Average earning assets | $85,659,000 | 5,167 |
| Average equity | $12,829,000 | 4,379 |
| Average total loans | $43,864,500 | 5,660 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5434% | 2,112 |
| Cost of funding earning assets | 1.2765% | 4,041 |
| Net interest margin | 4.2669% | 1,933 |
| Noninterest income to average assets | 0.5683% | 3,687 |
| Noninterest expense to average assets | 3.3598% | 2,558 |
| Loan and lease loss provision to assets | 0.9682% | 1,674 |
| Net operating income to assets | 0.1857% | 5,318 |
| Return on assets (ROA) | 0.4714% | 4,388 |
| Pretax return on assets | 0.2775% | 5,295 |
| Return on Equity (ROE) | 3.4643% | 4,767 |
| Retained earnings to average equity (ytd only) | 0.9898% | 5,043 |
| Net charge-offs to loans | 1.9736% | 1,031 |
| Credit loss provision to net charge-offs | 101.2807% | 4,481 |
| Earnings coverage of net charge-offs (x) | 1.0043% | 5,109 |
| Efficiency ratio | 77.2792% | 2,831 |
| Assets per employee ($millions) | 3.7178% | 4,421 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8772% | 976 |
| Loan loss allowance to noncurrent loans | 58.5018% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.5635% | 2,712 |
| Noncurrent loans to loans | 4.9181% | 1,382 |
| Net loans and leases to total assets | 44.4555% | 6,677 |
| Net loans and leases to deposits | 52.0993% | 6,739 |
| Net loans and leases to core deposits | 55.4120% | 6,727 |
| Total domestic deposits to total assets | 85.3284% | 3,706 |
| Equity capital to assets | 13.0639% | 1,366 |
| Core capital (leverage) ratio | 11.1785% | 2,031 |
| Tier 1 risk-based capital ratio | 18.8190% | 1,763 |
| Total risk-based capital ratio | 20.0823% | 1,730 |
| Memoranda: | ||
| Average total assets | $98,013,000 | 5,048 |
| Average earning assets | $86,174,400 | 5,140 |
| Average equity | $13,336,200 | 4,303 |
| Average total loans | $47,475,800 | 5,579 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5703% | 2,175 |
| Cost of funding earning assets | 1.3228% | 4,088 |
| Net interest margin | 4.2475% | 2,042 |
| Noninterest income to average assets | 0.5748% | 3,618 |
| Noninterest expense to average assets | 2.8388% | 4,318 |
| Loan and lease loss provision to assets | 0.6643% | 2,305 |
| Net operating income to assets | 0.6992% | 3,415 |
| Return on assets (ROA) | 1.0235% | 2,269 |
| Pretax return on assets | 1.1794% | 2,565 |
| Return on Equity (ROE) | 7.4493% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.4493% | 1,618 |
| Net charge-offs to loans | 1.1239% | 1,812 |
| Credit loss provision to net charge-offs | 120.3931% | 3,424 |
| Earnings coverage of net charge-offs (x) | 2.6659% | 3,816 |
| Efficiency ratio | 65.3665% | 4,984 |
| Assets per employee ($millions) | 3.5400% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8647% | 940 |
| Loan loss allowance to noncurrent loans | 55.2632% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.8939% | 2,507 |
| Noncurrent loans to loans | 5.1837% | 1,315 |
| Net loans and leases to total assets | 47.6794% | 6,551 |
| Net loans and leases to deposits | 57.2750% | 6,523 |
| Net loans and leases to core deposits | 61.0426% | 6,538 |
| Total domestic deposits to total assets | 83.2465% | 4,484 |
| Equity capital to assets | 14.9843% | 898 |
| Core capital (leverage) ratio | 11.7902% | 1,770 |
| Tier 1 risk-based capital ratio | 19.4001% | 1,660 |
| Total risk-based capital ratio | 20.6645% | 1,633 |
| Memoranda: | ||
| Average total assets | $98,350,500 | 5,097 |
| Average earning assets | $86,480,000 | 5,191 |
| Average equity | $13,513,250 | 4,325 |
| Average total loans | $48,283,500 | 5,633 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5881% | 2,182 |
| Cost of funding earning assets | 1.3637% | 4,096 |
| Net interest margin | 4.2243% | 2,071 |
| Noninterest income to average assets | 0.5701% | 3,543 |
| Noninterest expense to average assets | 2.8608% | 4,225 |
| Loan and lease loss provision to assets | 0.7756% | 1,855 |
| Net operating income to assets | 0.5611% | 4,030 |
| Return on assets (ROA) | 0.8784% | 2,759 |
| Pretax return on assets | 1.0053% | 3,096 |
| Return on Equity (ROE) | 6.5843% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.5843% | 2,029 |
| Net charge-offs to loans | 0.9807% | 1,886 |
| Credit loss provision to net charge-offs | 161.0879% | 2,445 |
| Earnings coverage of net charge-offs (x) | 2.9414% | 3,526 |
| Efficiency ratio | 66.4154% | 4,904 |
| Assets per employee ($millions) | 3.5141% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9669% | 847 |
| Loan loss allowance to noncurrent loans | 44.0789% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 3.8807% | 1,784 |
| Noncurrent loans to loans | 6.7309% | 868 |
| Net loans and leases to total assets | 48.4992% | 6,591 |
| Net loans and leases to deposits | 57.8279% | 6,587 |
| Net loans and leases to core deposits | 62.8342% | 6,488 |
| Total domestic deposits to total assets | 83.8680% | 4,165 |
| Equity capital to assets | 14.4382% | 1,031 |
| Core capital (leverage) ratio | 11.3862% | 1,977 |
| Tier 1 risk-based capital ratio | 18.9877% | 1,723 |
| Total risk-based capital ratio | 20.2540% | 1,683 |
| Memoranda: | ||
| Average total assets | $99,274,000 | 5,104 |
| Average earning assets | $87,114,000 | 5,204 |
| Average equity | $13,243,670 | 4,383 |
| Average total loans | $48,739,330 | 5,652 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4349% | 2,882 |
| Cost of funding earning assets | 1.3891% | 4,248 |
| Net interest margin | 4.0458% | 2,669 |
| Noninterest income to average assets | 0.5598% | 3,565 |
| Noninterest expense to average assets | 2.7634% | 4,636 |
| Loan and lease loss provision to assets | 1.1038% | 1,109 |
| Net operating income to assets | 0.3272% | 5,178 |
| Return on assets (ROA) | 0.4415% | 4,786 |
| Pretax return on assets | 0.3548% | 5,436 |
| Return on Equity (ROE) | 3.4419% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.4419% | 4,090 |
| Net charge-offs to loans | 1.2146% | 1,399 |
| Credit loss provision to net charge-offs | 186.6667% | 1,965 |
| Earnings coverage of net charge-offs (x) | 2.2733% | 3,402 |
| Efficiency ratio | 66.7946% | 4,954 |
| Assets per employee ($millions) | 3.5443% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8726% | 920 |
| Loan loss allowance to noncurrent loans | 70.4304% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.6875% | 2,712 |
| Noncurrent loans to loans | 4.0786% | 1,913 |
| Net loans and leases to total assets | 47.3927% | 6,725 |
| Net loans and leases to deposits | 55.5973% | 6,805 |
| Net loans and leases to core deposits | 60.1571% | 6,731 |
| Total domestic deposits to total assets | 85.2427% | 3,542 |
| Equity capital to assets | 13.2256% | 1,432 |
| Core capital (leverage) ratio | 10.6818% | 2,462 |
| Tier 1 risk-based capital ratio | 18.3998% | 1,849 |
| Total risk-based capital ratio | 19.6642% | 1,820 |
| Memoranda: | ||
| Average total assets | $101,471,000 | 5,103 |
| Average earning assets | $88,981,000 | 5,193 |
| Average equity | $13,016,000 | 4,470 |
| Average total loans | $49,397,500 | 5,697 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0655% | 1,619 |
| Cost of funding earning assets | 1.8773% | 3,578 |
| Net interest margin | 4.1882% | 2,114 |
| Noninterest income to average assets | 0.6084% | 3,560 |
| Noninterest expense to average assets | 2.8568% | 4,716 |
| Loan and lease loss provision to assets | 0.4360% | 4,213 |
| Net operating income to assets | 0.7823% | 2,596 |
| Return on assets (ROA) | 0.9354% | 2,123 |
| Pretax return on assets | 1.1167% | 2,196 |
| Return on Equity (ROE) | 7.5714% | 2,551 |
| Retained earnings to average equity (ytd only) | 5.6465% | 1,503 |
| Net charge-offs to loans | 0.4341% | 4,065 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 6.2864% | 2,400 |
| Efficiency ratio | 67.0886% | 5,165 |
| Assets per employee ($millions) | 3.4568% | 5,110 |
| Cash dividends to net income (ytd only)* | 25.4237% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5034% | 1,221 |
| Loan loss allowance to noncurrent loans | 104.4739% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.2748% | 4,537 |
| Noncurrent loans to loans | 2.3962% | 3,165 |
| Net loans and leases to total assets | 47.3574% | 6,867 |
| Net loans and leases to deposits | 54.9986% | 6,985 |
| Net loans and leases to core deposits | 75.7185% | 6,421 |
| Total domestic deposits to total assets | 86.1065% | 2,961 |
| Equity capital to assets | 12.4461% | 1,774 |
| Core capital (leverage) ratio | 10.5253% | 2,578 |
| Tier 1 risk-based capital ratio | 17.8126% | 1,942 |
| Total risk-based capital ratio | 19.0748% | 1,893 |
| Memoranda: | ||
| Average total assets | $100,918,000 | 5,070 |
| Average earning assets | $87,197,400 | 5,218 |
| Average equity | $12,468,000 | 4,640 |
| Average total loans | $50,680,400 | 5,637 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1977% | 1,385 |
| Cost of funding earning assets | 1.9789% | 3,472 |
| Net interest margin | 4.2188% | 1,977 |
| Noninterest income to average assets | 0.6040% | 3,670 |
| Noninterest expense to average assets | 2.8696% | 4,571 |
| Loan and lease loss provision to assets | 0.4656% | 3,581 |
| Net operating income to assets | 0.7425% | 3,053 |
| Return on assets (ROA) | 0.9552% | 2,274 |
| Pretax return on assets | 1.1614% | 2,376 |
| Return on Equity (ROE) | 7.7463% | 2,750 |
| Retained earnings to average equity (ytd only) | 7.7463% | 1,218 |
| Net charge-offs to loans | 0.4229% | 3,568 |
| Credit loss provision to net charge-offs | 217.3913% | 2,016 |
| Earnings coverage of net charge-offs (x) | 6.3851% | 2,617 |
| Efficiency ratio | 67.2527% | 5,127 |
| Assets per employee ($millions) | 3.3104% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4429% | 1,121 |
| Loan loss allowance to noncurrent loans | 130.0211% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 1.1711% | 4,730 |
| Noncurrent loans to loans | 1.8788% | 3,798 |
| Net loans and leases to total assets | 49.4608% | 6,824 |
| Net loans and leases to deposits | 58.2391% | 6,948 |
| Net loans and leases to core deposits | 83.1260% | 6,110 |
| Total domestic deposits to total assets | 84.9271% | 3,275 |
| Equity capital to assets | 13.3721% | 1,543 |
| Core capital (leverage) ratio | 10.5793% | 2,733 |
| Tier 1 risk-based capital ratio | 17.8654% | 2,026 |
| Total risk-based capital ratio | 19.1269% | 1,974 |
| Memoranda: | ||
| Average total assets | $100,221,750 | 5,120 |
| Average earning assets | $86,309,500 | 5,295 |
| Average equity | $12,358,250 | 4,694 |
| Average total loans | $50,757,500 | 5,680 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1335% | 1,675 |
| Cost of funding earning assets | 2.0429% | 3,558 |
| Net interest margin | 4.0905% | 2,349 |
| Noninterest income to average assets | 0.5949% | 3,740 |
| Noninterest expense to average assets | 2.9147% | 4,454 |
| Loan and lease loss provision to assets | 0.4178% | 3,447 |
| Net operating income to assets | 0.6688% | 3,392 |
| Return on assets (ROA) | 0.8575% | 2,726 |
| Pretax return on assets | 0.9848% | 3,066 |
| Return on Equity (ROE) | 7.1529% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.1529% | 1,524 |
| Net charge-offs to loans | 0.6523% | 2,405 |
| Credit loss provision to net charge-offs | 126.5060% | 3,672 |
| Earnings coverage of net charge-offs (x) | 3.5904% | 3,381 |
| Efficiency ratio | 70.5968% | 4,658 |
| Assets per employee ($millions) | 3.3157% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1614% | 1,300 |
| Loan loss allowance to noncurrent loans | 64.9701% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.7472% | 3,558 |
| Noncurrent loans to loans | 3.3268% | 2,122 |
| Net loans and leases to total assets | 49.3742% | 6,925 |
| Net loans and leases to deposits | 57.3254% | 7,071 |
| Net loans and leases to core deposits | 82.5526% | 6,196 |
| Total domestic deposits to total assets | 86.1296% | 2,722 |
| Equity capital to assets | 12.2397% | 2,065 |
| Core capital (leverage) ratio | 10.0075% | 3,293 |
| Tier 1 risk-based capital ratio | 17.1343% | 2,261 |
| Total risk-based capital ratio | 18.3918% | 2,198 |
| Memoranda: | ||
| Average total assets | $100,525,330 | 5,148 |
| Average earning assets | $86,150,000 | 5,329 |
| Average equity | $12,051,000 | 4,803 |
| Average total loans | $50,893,330 | 5,728 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2313% | 1,498 |
| Cost of funding earning assets | 2.0771% | 3,755 |
| Net interest margin | 4.1542% | 2,077 |
| Noninterest income to average assets | 0.5502% | 3,918 |
| Noninterest expense to average assets | 2.7867% | 4,608 |
| Loan and lease loss provision to assets | 0.3563% | 3,183 |
| Net operating income to assets | 0.7525% | 3,339 |
| Return on assets (ROA) | 0.9223% | 2,745 |
| Pretax return on assets | 1.1796% | 2,690 |
| Return on Equity (ROE) | 7.7738% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.7738% | 1,900 |
| Net charge-offs to loans | 0.2108% | 3,373 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,810 |
| Efficiency ratio | 67.4060% | 5,063 |
| Assets per employee ($millions) | 3.1441% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 1,122 |
| Loan loss allowance to noncurrent loans | 199.6383% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 5,725 |
| Noncurrent loans to loans | 1.0836% | 4,813 |
| Net loans and leases to total assets | 49.6243% | 6,894 |
| Net loans and leases to deposits | 57.4717% | 7,068 |
| Net loans and leases to core deposits | 82.7595% | 6,165 |
| Total domestic deposits to total assets | 86.3456% | 2,528 |
| Equity capital to assets | 12.1397% | 2,171 |
| Core capital (leverage) ratio | 9.9350% | 3,475 |
| Tier 1 risk-based capital ratio | 16.7523% | 2,424 |
| Total risk-based capital ratio | 18.0107% | 2,347 |
| Memoranda: | ||
| Average total assets | $101,052,500 | 5,149 |
| Average earning assets | $86,466,500 | 5,335 |
| Average equity | $11,989,000 | 4,837 |
| Average total loans | $51,241,000 | 5,745 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5338% | 2,792 |
| Cost of funding earning assets | 2.8278% | 2,593 |
| Net interest margin | 3.7061% | 4,447 |
| Noninterest income to average assets | 0.5985% | 3,852 |
| Noninterest expense to average assets | 2.9279% | 4,345 |
| Loan and lease loss provision to assets | 0.5995% | 2,428 |
| Net operating income to assets | 0.4225% | 5,064 |
| Return on assets (ROA) | 0.5838% | 4,243 |
| Pretax return on assets | 0.4841% | 5,020 |
| Return on Equity (ROE) | 5.1686% | 4,300 |
| Retained earnings to average equity (ytd only) | 3.6102% | 2,902 |
| Net charge-offs to loans | 1.1081% | 1,094 |
| Credit loss provision to net charge-offs | 106.4236% | 5,039 |
| Earnings coverage of net charge-offs (x) | 1.6372% | 5,269 |
| Efficiency ratio | 75.5144% | 3,324 |
| Assets per employee ($millions) | 3.3831% | 4,983 |
| Cash dividends to net income (ytd only)* | 30.1508% | 4,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0233% | 1,179 |
| Loan loss allowance to noncurrent loans | 323.2919% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 6,214 |
| Noncurrent loans to loans | 0.6259% | 5,493 |
| Net loans and leases to total assets | 49.6675% | 7,057 |
| Net loans and leases to deposits | 57.3057% | 7,246 |
| Net loans and leases to core deposits | 81.5297% | 6,491 |
| Total domestic deposits to total assets | 86.6710% | 2,107 |
| Equity capital to assets | 11.5909% | 2,577 |
| Core capital (leverage) ratio | 9.7092% | 3,754 |
| Tier 1 risk-based capital ratio | 16.0789% | 2,635 |
| Total risk-based capital ratio | 17.3356% | 2,573 |
| Memoranda: | ||
| Average total assets | $102,258,400 | 4,986 |
| Average earning assets | $89,717,400 | 5,092 |
| Average equity | $11,550,600 | 4,952 |
| Average total loans | $51,981,400 | 5,620 |