Home > The MINT National Bank > Performance and Condition Ratios
The MINT National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6147% | 144 |
| Cost of funding earning assets | 2.9809% | 151 |
| Net interest margin | 4.6338% | 505 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 3.6058% | 506 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.0076% | 2,197 |
| Return on assets (ROA) | 1.0076% | 2,180 |
| Pretax return on assets | 1.2756% | 1,943 |
| Return on Equity (ROE) | 7.0000% | 3,286 |
| Retained earnings to average equity (ytd only) | 5.5090% | 2,404 |
| Net charge-offs to loans | 0.6072% | 162 |
| Credit loss provision to net charge-offs | 57.9710% | 2,161 |
| Earnings coverage of net charge-offs (x) | 3.2013% | 2,653 |
| Efficiency ratio | 69.8337% | 1,901 |
| Assets per employee ($millions) | 9.7440% | 761 |
| Cash dividends to net income (ytd only)* | 21.2447% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 413 |
| Loan loss allowance to noncurrent loans | 374.3649% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 1,311 |
| Noncurrent loans to loans | 0.5219% | 1,485 |
| Net loans and leases to total assets | 79.5100% | 697 |
| Net loans and leases to deposits | 96.1947% | 769 |
| Net loans and leases to core deposits | 118.8931% | 655 |
| Total domestic deposits to total assets | 82.6500% | 2,973 |
| Equity capital to assets | 14.3419% | 628 |
| Core capital (leverage) ratio | 14.1364% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $397,077,200 | 2,022 |
| Average earning assets | $377,939,800 | 1,982 |
| Average equity | $57,197,400 | 1,442 |
| Average total loans | $318,182,000 | 1,730 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3240% | 166 |
| Cost of funding earning assets | 2.7234% | 183 |
| Net interest margin | 4.6006% | 528 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 3.4362% | 598 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 1.0337% | 2,267 |
| Return on assets (ROA) | 1.0337% | 2,255 |
| Pretax return on assets | 1.3085% | 2,015 |
| Return on Equity (ROE) | 7.1700% | 3,387 |
| Retained earnings to average equity (ytd only) | 6.1710% | 2,579 |
| Net charge-offs to loans | 0.2423% | 367 |
| Credit loss provision to net charge-offs | 195.8042% | 1,143 |
| Earnings coverage of net charge-offs (x) | 8.7185% | 2,184 |
| Efficiency ratio | 67.0651% | 2,139 |
| Assets per employee ($millions) | 9.6167% | 764 |
| Cash dividends to net income (ytd only)* | 13.9116% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4213% | 222 |
| Loan loss allowance to noncurrent loans | 424.4589% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 1,337 |
| Noncurrent loans to loans | 0.5704% | 1,405 |
| Net loans and leases to total assets | 74.7100% | 1,269 |
| Net loans and leases to deposits | 89.3400% | 1,282 |
| Net loans and leases to core deposits | 107.6106% | 954 |
| Total domestic deposits to total assets | 83.6200% | 2,875 |
| Equity capital to assets | 13.7482% | 684 |
| Core capital (leverage) ratio | 14.5921% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $394,034,500 | 2,028 |
| Average earning assets | $374,322,000 | 1,993 |
| Average equity | $56,823,250 | 1,435 |
| Average total loans | $314,759,250 | 1,745 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1390% | 162 |
| Cost of funding earning assets | 2.4630% | 207 |
| Net interest margin | 4.6760% | 478 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 3.4647% | 560 |
| Loan and lease loss provision to assets | 0.4400% | 178 |
| Net operating income to assets | 1.0158% | 2,378 |
| Return on assets (ROA) | 1.0158% | 2,368 |
| Pretax return on assets | 1.2853% | 2,121 |
| Return on Equity (ROE) | 6.9300% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.4175% | 2,816 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.7937% | 2,139 |
| Assets per employee ($millions) | 9.0081% | 905 |
| Cash dividends to net income (ytd only)* | 21.7725% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5415% | 208 |
| Loan loss allowance to noncurrent loans | 244.8390% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 601 |
| Noncurrent loans to loans | 1.0380% | 716 |
| Net loans and leases to total assets | 78.7200% | 763 |
| Net loans and leases to deposits | 101.1604% | 469 |
| Net loans and leases to core deposits | 123.8927% | 433 |
| Total domestic deposits to total assets | 77.8100% | 3,870 |
| Equity capital to assets | 14.3986% | 590 |
| Core capital (leverage) ratio | 15.1051% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $384,335,000 | 2,063 |
| Average earning assets | $363,047,667 | 2,032 |
| Average equity | $56,373,333 | 1,448 |
| Average total loans | $311,691,333 | 1,738 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8950% | 125 |
| Cost of funding earning assets | 2.3131% | 147 |
| Net interest margin | 4.5819% | 517 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 3.3950% | 604 |
| Loan and lease loss provision to assets | 0.4400% | 177 |
| Net operating income to assets | 1.0192% | 2,469 |
| Return on assets (ROA) | 1.0192% | 2,437 |
| Pretax return on assets | 1.2899% | 2,205 |
| Return on Equity (ROE) | 6.8800% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.8826% | 2,525 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.1925% | 2,187 |
| Assets per employee ($millions) | 8.7776% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5021% | 220 |
| Loan loss allowance to noncurrent loans | 229.7112% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 525 |
| Noncurrent loans to loans | 1.0892% | 652 |
| Net loans and leases to total assets | 77.8500% | 778 |
| Net loans and leases to deposits | 94.0354% | 786 |
| Net loans and leases to core deposits | 112.0275% | 641 |
| Total domestic deposits to total assets | 82.7900% | 3,337 |
| Equity capital to assets | 14.6310% | 513 |
| Core capital (leverage) ratio | 14.8081% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $378,324,000 | 2,109 |
| Average earning assets | $353,125,000 | 2,104 |
| Average equity | $56,025,000 | 1,467 |
| Average total loans | $307,472,000 | 1,767 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1515% | 239 |
| Cost of funding earning assets | 0.9565% | 201 |
| Net interest margin | 4.1950% | 542 |
| Noninterest income to average assets | 2.1600% | 224 |
| Noninterest expense to average assets | 4.0118% | 334 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.4547% | 994 |
| Return on assets (ROA) | 1.4547% | 950 |
| Pretax return on assets | 1.8413% | 660 |
| Return on Equity (ROE) | 10.2600% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.4151% | 1,672 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.1526% | 2,213 |
| Assets per employee ($millions) | 8.2319% | 1,217 |
| Cash dividends to net income (ytd only)* | 17.9817% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3799% | 238 |
| Loan loss allowance to noncurrent loans | 214.2102% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 478 |
| Noncurrent loans to loans | 1.1110% | 648 |
| Net loans and leases to total assets | 80.7900% | 519 |
| Net loans and leases to deposits | 98.4043% | 501 |
| Net loans and leases to core deposits | 115.7329% | 448 |
| Total domestic deposits to total assets | 82.1000% | 3,611 |
| Equity capital to assets | 14.9940% | 469 |
| Core capital (leverage) ratio | 15.1585% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $352,855,400 | 2,214 |
| Average earning assets | $328,584,800 | 2,204 |
| Average equity | $50,029,200 | 1,620 |
| Average total loans | $281,146,800 | 1,807 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 372 |
| Cost of funding earning assets | 0.7633% | 186 |
| Net interest margin | 3.9043% | 800 |
| Noninterest income to average assets | 2.2500% | 233 |
| Noninterest expense to average assets | 3.8997% | 350 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.3495% | 1,215 |
| Return on assets (ROA) | 1.3495% | 1,192 |
| Pretax return on assets | 1.7084% | 888 |
| Return on Equity (ROE) | 9.6700% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.3587% | 1,865 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.1689% | 2,255 |
| Assets per employee ($millions) | 7.7431% | 1,453 |
| Cash dividends to net income (ytd only)* | 13.5242% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8551% | 149 |
| Loan loss allowance to noncurrent loans | 250.7541% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 435 |
| Noncurrent loans to loans | 1.1386% | 651 |
| Net loans and leases to total assets | 84.4300% | 216 |
| Net loans and leases to deposits | 102.3438% | 291 |
| Net loans and leases to core deposits | 119.0384% | 279 |
| Total domestic deposits to total assets | 82.5000% | 3,757 |
| Equity capital to assets | 15.6076% | 404 |
| Core capital (leverage) ratio | 15.5693% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $348,460,750 | 2,241 |
| Average earning assets | $324,900,500 | 2,231 |
| Average equity | $48,650,750 | 1,673 |
| Average total loans | $274,792,500 | 1,832 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 579 |
| Cost of funding earning assets | 0.6910% | 165 |
| Net interest margin | 3.5488% | 1,185 |
| Noninterest income to average assets | 2.2774% | 201 |
| Noninterest expense to average assets | 3.8282% | 315 |
| Loan and lease loss provision to assets | 0.4282% | 129 |
| Net operating income to assets | 1.0423% | 2,012 |
| Return on assets (ROA) | 1.0423% | 1,981 |
| Pretax return on assets | 1.3195% | 1,685 |
| Return on Equity (ROE) | 7.7706% | 3,084 |
| Retained earnings to average equity (ytd only) | 5.7296% | 2,421 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6567% | 2,148 |
| Assets per employee ($millions) | 8.7203% | 982 |
| Cash dividends to net income (ytd only)* | 26.2665% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1596% | 120 |
| Loan loss allowance to noncurrent loans | 213.5870% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1940% | 357 |
| Noncurrent loans to loans | 1.4793% | 501 |
| Net loans and leases to total assets | 75.9705% | 732 |
| Net loans and leases to deposits | 91.3540% | 641 |
| Net loans and leases to core deposits | 104.3641% | 496 |
| Total domestic deposits to total assets | 83.1606% | 3,851 |
| Equity capital to assets | 15.1004% | 394 |
| Core capital (leverage) ratio | 14.6194% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,468,000 | 2,255 |
| Average earning assets | $323,880,667 | 2,259 |
| Average equity | $46,740,000 | 1,770 |
| Average total loans | $265,447,333 | 1,873 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 492 |
| Cost of funding earning assets | 0.6983% | 154 |
| Net interest margin | 3.5308% | 1,025 |
| Noninterest income to average assets | 2.6127% | 176 |
| Noninterest expense to average assets | 4.0069% | 277 |
| Loan and lease loss provision to assets | 0.4203% | 120 |
| Net operating income to assets | 1.1588% | 1,355 |
| Return on assets (ROA) | 1.1588% | 1,354 |
| Pretax return on assets | 1.4666% | 1,084 |
| Return on Equity (ROE) | 9.2201% | 2,240 |
| Retained earnings to average equity (ytd only) | 8.0596% | 1,566 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9852% | 2,510 |
| Assets per employee ($millions) | 8.9829% | 920 |
| Cash dividends to net income (ytd only)* | 12.5867% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2559% | 125 |
| Loan loss allowance to noncurrent loans | 199.9033% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 1.2137% | 361 |
| Noncurrent loans to loans | 1.6288% | 490 |
| Net loans and leases to total assets | 70.1068% | 1,014 |
| Net loans and leases to deposits | 81.6022% | 1,038 |
| Net loans and leases to core deposits | 93.1134% | 772 |
| Total domestic deposits to total assets | 85.9129% | 3,286 |
| Equity capital to assets | 12.6208% | 776 |
| Core capital (leverage) ratio | 12.7541% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,295,500 | 2,267 |
| Average earning assets | $323,664,500 | 2,271 |
| Average equity | $43,774,000 | 1,925 |
| Average total loans | $261,350,500 | 1,877 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 176 |
| Cost of funding earning assets | 0.7628% | 246 |
| Net interest margin | 4.5128% | 266 |
| Noninterest income to average assets | 2.5087% | 232 |
| Noninterest expense to average assets | 3.2276% | 698 |
| Loan and lease loss provision to assets | 0.6330% | 78 |
| Net operating income to assets | 2.3297% | 197 |
| Return on assets (ROA) | 2.3297% | 207 |
| Pretax return on assets | 2.9489% | 154 |
| Return on Equity (ROE) | 20.7589% | 272 |
| Retained earnings to average equity (ytd only) | 19.4624% | 68 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3985% | 4,443 |
| Assets per employee ($millions) | 9.3583% | 825 |
| Cash dividends to net income (ytd only)* | 6.2454% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9387% | 155 |
| Loan loss allowance to noncurrent loans | 189.7670% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.2361% | 390 |
| Noncurrent loans to loans | 1.5486% | 576 |
| Net loans and leases to total assets | 75.3565% | 558 |
| Net loans and leases to deposits | 87.6968% | 669 |
| Net loans and leases to core deposits | 100.8339% | 499 |
| Total domestic deposits to total assets | 85.9284% | 2,940 |
| Equity capital to assets | 12.5147% | 1,057 |
| Core capital (leverage) ratio | 12.6785% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,141,400 | 2,201 |
| Average earning assets | $332,741,600 | 2,175 |
| Average equity | $39,183,200 | 2,110 |
| Average total loans | $297,677,800 | 1,713 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 180 |
| Cost of funding earning assets | 0.7805% | 265 |
| Net interest margin | 4.5847% | 273 |
| Noninterest income to average assets | 2.5396% | 241 |
| Noninterest expense to average assets | 3.3811% | 546 |
| Loan and lease loss provision to assets | 0.8423% | 50 |
| Net operating income to assets | 2.1292% | 375 |
| Return on assets (ROA) | 2.1292% | 394 |
| Pretax return on assets | 2.6951% | 253 |
| Return on Equity (ROE) | 19.5281% | 463 |
| Retained earnings to average equity (ytd only) | 18.1999% | 188 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8708% | 4,304 |
| Assets per employee ($millions) | 9.0978% | 865 |
| Cash dividends to net income (ytd only)* | 6.8015% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7545% | 204 |
| Loan loss allowance to noncurrent loans | 360.0729% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 1,088 |
| Noncurrent loans to loans | 0.7650% | 1,478 |
| Net loans and leases to total assets | 82.8556% | 147 |
| Net loans and leases to deposits | 96.1420% | 344 |
| Net loans and leases to core deposits | 110.5458% | 314 |
| Total domestic deposits to total assets | 86.1804% | 2,677 |
| Equity capital to assets | 12.1542% | 1,330 |
| Core capital (leverage) ratio | 12.1279% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,862,500 | 2,221 |
| Average earning assets | $334,149,250 | 2,185 |
| Average equity | $38,145,750 | 2,179 |
| Average total loans | $304,890,500 | 1,714 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6444% | 141 |
| Cost of funding earning assets | 0.8000% | 292 |
| Net interest margin | 4.8444% | 209 |
| Noninterest income to average assets | 2.7227% | 217 |
| Noninterest expense to average assets | 3.2060% | 709 |
| Loan and lease loss provision to assets | 1.6992% | 12 |
| Net operating income to assets | 1.9516% | 533 |
| Return on assets (ROA) | 1.9516% | 552 |
| Pretax return on assets | 2.4704% | 369 |
| Return on Equity (ROE) | 18.5744% | 589 |
| Retained earnings to average equity (ytd only) | 17.2096% | 262 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4673% | 4,644 |
| Assets per employee ($millions) | 9.6915% | 676 |
| Cash dividends to net income (ytd only)* | 7.3474% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8585% | 176 |
| Loan loss allowance to noncurrent loans | 2,332.4397% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 3,283 |
| Noncurrent loans to loans | 0.1226% | 3,579 |
| Net loans and leases to total assets | 87.1614% | 56 |
| Net loans and leases to deposits | 107.1412% | 143 |
| Net loans and leases to core deposits | 123.0902% | 183 |
| Total domestic deposits to total assets | 81.3519% | 4,036 |
| Equity capital to assets | 11.4710% | 1,651 |
| Core capital (leverage) ratio | 11.6644% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,277,667 | 2,183 |
| Average earning assets | $340,269,000 | 2,136 |
| Average equity | $37,223,333 | 2,205 |
| Average total loans | $310,918,667 | 1,695 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9023% | 126 |
| Cost of funding earning assets | 0.8295% | 307 |
| Net interest margin | 5.0728% | 171 |
| Noninterest income to average assets | 1.4427% | 649 |
| Noninterest expense to average assets | 2.9087% | 1,136 |
| Loan and lease loss provision to assets | 1.3266% | 24 |
| Net operating income to assets | 1.6285% | 1,064 |
| Return on assets (ROA) | 1.6285% | 1,119 |
| Pretax return on assets | 2.0618% | 857 |
| Return on Equity (ROE) | 16.1957% | 977 |
| Retained earnings to average equity (ytd only) | 14.7993% | 648 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1903% | 4,461 |
| Assets per employee ($millions) | 11.0047% | 447 |
| Cash dividends to net income (ytd only)* | 8.6219% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2041% | 421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,984 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 86.8107% | 72 |
| Net loans and leases to deposits | 115.3357% | 97 |
| Net loans and leases to core deposits | 131.7396% | 133 |
| Total domestic deposits to total assets | 75.2679% | 4,616 |
| Equity capital to assets | 10.5220% | 2,253 |
| Core capital (leverage) ratio | 11.7202% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,815,000 | 2,136 |
| Average earning assets | $346,239,500 | 2,099 |
| Average equity | $36,380,000 | 2,240 |
| Average total loans | $314,201,000 | 1,686 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 428 |
| Cost of funding earning assets | 1.2368% | 238 |
| Net interest margin | 3.8469% | 1,366 |
| Noninterest income to average assets | 2.4770% | 247 |
| Noninterest expense to average assets | 3.5904% | 610 |
| Loan and lease loss provision to assets | 1.0339% | 88 |
| Net operating income to assets | 1.2396% | 1,418 |
| Return on assets (ROA) | 1.2396% | 1,524 |
| Pretax return on assets | 1.5690% | 1,137 |
| Return on Equity (ROE) | 11.6922% | 1,414 |
| Retained earnings to average equity (ytd only) | 10.4556% | 505 |
| Net charge-offs to loans | 0.1424% | 1,132 |
| Credit loss provision to net charge-offs | 836.2205% | 872 |
| Earnings coverage of net charge-offs (x) | 21.0525% | 1,917 |
| Efficiency ratio | 57.9722% | 3,729 |
| Assets per employee ($millions) | 11.2570% | 380 |
| Cash dividends to net income (ytd only)* | 10.5759% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8017% | 850 |
| Loan loss allowance to noncurrent loans | 2,948.1865% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 3,783 |
| Noncurrent loans to loans | 0.0611% | 4,045 |
| Net loans and leases to total assets | 83.4818% | 202 |
| Net loans and leases to deposits | 122.6751% | 63 |
| Net loans and leases to core deposits | 141.6023% | 111 |
| Total domestic deposits to total assets | 68.0511% | 4,813 |
| Equity capital to assets | 9.6121% | 3,499 |
| Core capital (leverage) ratio | 12.0419% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,154,800 | 2,253 |
| Average earning assets | $297,697,000 | 2,199 |
| Average equity | $32,671,400 | 2,349 |
| Average total loans | $267,525,000 | 1,838 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9532% | 662 |
| Cost of funding earning assets | 1.3425% | 196 |
| Net interest margin | 3.6107% | 2,238 |
| Noninterest income to average assets | 1.8431% | 357 |
| Noninterest expense to average assets | 2.9423% | 1,580 |
| Loan and lease loss provision to assets | 0.8374% | 202 |
| Net operating income to assets | 1.2347% | 1,536 |
| Return on assets (ROA) | 1.2347% | 1,656 |
| Pretax return on assets | 1.5631% | 1,293 |
| Return on Equity (ROE) | 11.3098% | 1,585 |
| Retained earnings to average equity (ytd only) | 9.6219% | 844 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0709% | 4,027 |
| Assets per employee ($millions) | 11.4617% | 354 |
| Cash dividends to net income (ytd only)* | 14.9243% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 1,796 |
| Loan loss allowance to noncurrent loans | 957.6065% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 2,959 |
| Noncurrent loans to loans | 0.1447% | 3,806 |
| Net loans and leases to total assets | 91.6139% | 20 |
| Net loans and leases to deposits | 138.1215% | 40 |
| Net loans and leases to core deposits | 157.9693% | 89 |
| Total domestic deposits to total assets | 66.3285% | 4,843 |
| Equity capital to assets | 9.4320% | 3,742 |
| Core capital (leverage) ratio | 13.0741% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,323,250 | 2,313 |
| Average earning assets | $283,337,000 | 2,253 |
| Average equity | $31,912,500 | 2,380 |
| Average total loans | $255,454,000 | 1,890 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1411% | 635 |
| Cost of funding earning assets | 1.5352% | 147 |
| Net interest margin | 3.6059% | 2,465 |
| Noninterest income to average assets | 1.6306% | 394 |
| Noninterest expense to average assets | 2.9973% | 1,576 |
| Loan and lease loss provision to assets | 0.5009% | 714 |
| Net operating income to assets | 1.2807% | 1,411 |
| Return on assets (ROA) | 1.2807% | 1,526 |
| Pretax return on assets | 1.6216% | 1,175 |
| Return on Equity (ROE) | 11.0450% | 1,616 |
| Retained earnings to average equity (ytd only) | 9.2589% | 944 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5426% | 3,622 |
| Assets per employee ($millions) | 9.9791% | 504 |
| Cash dividends to net income (ytd only)* | 16.1705% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,425 |
| Loan loss allowance to noncurrent loans | 437.8079% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 2,491 |
| Noncurrent loans to loans | 0.2781% | 3,386 |
| Net loans and leases to total assets | 93.2520% | 7 |
| Net loans and leases to deposits | 121.3428% | 87 |
| Net loans and leases to core deposits | 137.9716% | 186 |
| Total domestic deposits to total assets | 76.8501% | 4,331 |
| Equity capital to assets | 10.2559% | 2,960 |
| Core capital (leverage) ratio | 11.2210% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,506,667 | 2,428 |
| Average earning assets | $258,854,000 | 2,365 |
| Average equity | $31,018,667 | 2,406 |
| Average total loans | $227,026,667 | 2,034 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5943% | 306 |
| Cost of funding earning assets | 1.7461% | 107 |
| Net interest margin | 3.8482% | 1,829 |
| Noninterest income to average assets | 2.2775% | 227 |
| Noninterest expense to average assets | 3.4682% | 981 |
| Loan and lease loss provision to assets | 0.7056% | 374 |
| Net operating income to assets | 1.4389% | 909 |
| Return on assets (ROA) | 1.4389% | 980 |
| Pretax return on assets | 1.8217% | 666 |
| Return on Equity (ROE) | 11.5704% | 1,236 |
| Retained earnings to average equity (ytd only) | 9.7442% | 794 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8463% | 4,020 |
| Assets per employee ($millions) | 8.7922% | 565 |
| Cash dividends to net income (ytd only)* | 15.7835% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 907 |
| Loan loss allowance to noncurrent loans | 408.8670% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 2,044 |
| Noncurrent loans to loans | 0.4110% | 3,021 |
| Net loans and leases to total assets | 78.8969% | 842 |
| Net loans and leases to deposits | 91.3968% | 1,355 |
| Net loans and leases to core deposits | 105.0818% | 1,111 |
| Total domestic deposits to total assets | 86.3235% | 1,864 |
| Equity capital to assets | 12.6077% | 1,672 |
| Core capital (leverage) ratio | 12.5556% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,583,500 | 2,513 |
| Average earning assets | $238,242,000 | 2,456 |
| Average equity | $30,664,500 | 2,421 |
| Average total loans | $194,523,500 | 2,229 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8676% | 285 |
| Cost of funding earning assets | 1.9503% | 77 |
| Net interest margin | 3.9173% | 2,113 |
| Noninterest income to average assets | 1.4240% | 466 |
| Noninterest expense to average assets | 2.9359% | 2,181 |
| Loan and lease loss provision to assets | 0.1858% | 1,107 |
| Net operating income to assets | 1.6572% | 730 |
| Return on assets (ROA) | 1.6572% | 779 |
| Pretax return on assets | 2.0975% | 479 |
| Return on Equity (ROE) | 13.7311% | 954 |
| Retained earnings to average equity (ytd only) | 11.8998% | 248 |
| Net charge-offs to loans | 0.4473% | 425 |
| Credit loss provision to net charge-offs | 53.1095% | 3,101 |
| Earnings coverage of net charge-offs (x) | 6.5274% | 2,970 |
| Efficiency ratio | 56.2521% | 4,176 |
| Assets per employee ($millions) | 8.8209% | 529 |
| Cash dividends to net income (ytd only)* | 13.3368% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,211 |
| Loan loss allowance to noncurrent loans | 353.1212% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 1,952 |
| Noncurrent loans to loans | 0.4266% | 2,918 |
| Net loans and leases to total assets | 76.3658% | 1,348 |
| Net loans and leases to deposits | 87.8536% | 1,873 |
| Net loans and leases to core deposits | 102.6119% | 1,346 |
| Total domestic deposits to total assets | 86.9239% | 1,648 |
| Equity capital to assets | 12.2643% | 1,971 |
| Core capital (leverage) ratio | 12.2037% | 1,652 |
| Tier 1 risk-based capital ratio | 15.2075% | 2,696 |
| Total risk-based capital ratio | 16.4601% | 2,630 |
| Memoranda: | ||
| Average total assets | $229,840,800 | 2,578 |
| Average earning assets | $222,680,000 | 2,517 |
| Average equity | $27,740,000 | 2,510 |
| Average total loans | $179,765,000 | 2,319 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9183% | 279 |
| Cost of funding earning assets | 1.9472% | 77 |
| Net interest margin | 3.9712% | 2,046 |
| Noninterest income to average assets | 1.4169% | 453 |
| Noninterest expense to average assets | 2.9816% | 2,026 |
| Loan and lease loss provision to assets | 0.1832% | 990 |
| Net operating income to assets | 1.6599% | 813 |
| Return on assets (ROA) | 1.6599% | 852 |
| Pretax return on assets | 2.1014% | 547 |
| Return on Equity (ROE) | 13.8140% | 1,022 |
| Retained earnings to average equity (ytd only) | 11.9446% | 390 |
| Net charge-offs to loans | 0.1493% | 1,094 |
| Credit loss provision to net charge-offs | 156.5657% | 1,582 |
| Earnings coverage of net charge-offs (x) | 19.5204% | 1,997 |
| Efficiency ratio | 56.6169% | 4,106 |
| Assets per employee ($millions) | 8.9219% | 501 |
| Cash dividends to net income (ytd only)* | 13.5326% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 580 |
| Loan loss allowance to noncurrent loans | 157.9588% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 1,377 |
| Noncurrent loans to loans | 1.1821% | 1,329 |
| Net loans and leases to total assets | 70.9791% | 2,326 |
| Net loans and leases to deposits | 80.7258% | 2,830 |
| Net loans and leases to core deposits | 94.7484% | 2,106 |
| Total domestic deposits to total assets | 87.9262% | 1,062 |
| Equity capital to assets | 11.3757% | 2,768 |
| Core capital (leverage) ratio | 11.7743% | 2,024 |
| Tier 1 risk-based capital ratio | 15.3491% | 2,688 |
| Total risk-based capital ratio | 16.6059% | 2,620 |
| Memoranda: | ||
| Average total assets | $225,554,750 | 2,636 |
| Average earning assets | $218,637,750 | 2,564 |
| Average equity | $27,102,250 | 2,566 |
| Average total loans | $176,832,000 | 2,378 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9857% | 241 |
| Cost of funding earning assets | 1.9108% | 83 |
| Net interest margin | 4.0749% | 1,687 |
| Noninterest income to average assets | 1.6223% | 351 |
| Noninterest expense to average assets | 3.1811% | 1,548 |
| Loan and lease loss provision to assets | 0.2032% | 832 |
| Net operating income to assets | 1.7281% | 684 |
| Return on assets (ROA) | 1.7281% | 716 |
| Pretax return on assets | 2.1879% | 455 |
| Return on Equity (ROE) | 14.0941% | 957 |
| Retained earnings to average equity (ytd only) | 12.1889% | 386 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0886% | 4,118 |
| Assets per employee ($millions) | 8.0547% | 655 |
| Cash dividends to net income (ytd only)* | 13.5178% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 583 |
| Loan loss allowance to noncurrent loans | 141.7582% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.0894% | 1,253 |
| Noncurrent loans to loans | 1.3271% | 1,177 |
| Net loans and leases to total assets | 80.5469% | 800 |
| Net loans and leases to deposits | 92.4473% | 1,439 |
| Net loans and leases to core deposits | 107.3654% | 1,153 |
| Total domestic deposits to total assets | 87.1273% | 1,533 |
| Equity capital to assets | 12.2444% | 2,025 |
| Core capital (leverage) ratio | 12.1323% | 1,738 |
| Tier 1 risk-based capital ratio | 14.7737% | 2,929 |
| Total risk-based capital ratio | 16.0309% | 2,856 |
| Memoranda: | ||
| Average total assets | $217,468,670 | 2,715 |
| Average earning assets | $210,802,330 | 2,630 |
| Average equity | $26,663,670 | 2,588 |
| Average total loans | $175,546,330 | 2,397 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7948% | 314 |
| Cost of funding earning assets | 1.8254% | 93 |
| Net interest margin | 3.9694% | 1,950 |
| Noninterest income to average assets | 2.1308% | 224 |
| Noninterest expense to average assets | 3.3565% | 1,178 |
| Loan and lease loss provision to assets | 0.2624% | 540 |
| Net operating income to assets | 1.8666% | 491 |
| Return on assets (ROA) | 1.8666% | 507 |
| Pretax return on assets | 2.3632% | 320 |
| Return on Equity (ROE) | 15.2131% | 711 |
| Retained earnings to average equity (ytd only) | 15.2131% | 267 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1090% | 4,318 |
| Assets per employee ($millions) | 8.1462% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9447% | 560 |
| Loan loss allowance to noncurrent loans | 115.4003% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.3403% | 954 |
| Noncurrent loans to loans | 1.6851% | 923 |
| Net loans and leases to total assets | 77.9911% | 1,152 |
| Net loans and leases to deposits | 89.5251% | 1,685 |
| Net loans and leases to core deposits | 104.1726% | 1,308 |
| Total domestic deposits to total assets | 87.1164% | 1,746 |
| Equity capital to assets | 12.1329% | 1,944 |
| Core capital (leverage) ratio | 12.5406% | 1,486 |
| Tier 1 risk-based capital ratio | 15.2399% | 2,781 |
| Total risk-based capital ratio | 16.4986% | 2,685 |
| Memoranda: | ||
| Average total assets | $213,437,000 | 2,776 |
| Average earning assets | $207,083,500 | 2,700 |
| Average equity | $26,188,000 | 2,624 |
| Average total loans | $170,748,500 | 2,467 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8016% | 235 |
| Cost of funding earning assets | 1.5319% | 78 |
| Net interest margin | 4.2697% | 1,225 |
| Noninterest income to average assets | 2.0347% | 261 |
| Noninterest expense to average assets | 3.4504% | 1,069 |
| Loan and lease loss provision to assets | 0.4365% | 298 |
| Net operating income to assets | 1.8151% | 535 |
| Return on assets (ROA) | 1.8151% | 529 |
| Pretax return on assets | 2.2913% | 299 |
| Return on Equity (ROE) | 14.4299% | 954 |
| Retained earnings to average equity (ytd only) | 12.2976% | 298 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8486% | 4,428 |
| Assets per employee ($millions) | 7.6640% | 750 |
| Cash dividends to net income (ytd only)* | 14.7770% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 509 |
| Loan loss allowance to noncurrent loans | 136.2573% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 1,138 |
| Noncurrent loans to loans | 1.4374% | 1,080 |
| Net loans and leases to total assets | 78.9138% | 1,110 |
| Net loans and leases to deposits | 90.9883% | 1,670 |
| Net loans and leases to core deposits | 110.0349% | 998 |
| Total domestic deposits to total assets | 86.7296% | 1,902 |
| Equity capital to assets | 12.4150% | 1,626 |
| Core capital (leverage) ratio | 12.1971% | 1,616 |
| Tier 1 risk-based capital ratio | 15.4789% | 2,631 |
| Total risk-based capital ratio | 16.7376% | 2,546 |
| Memoranda: | ||
| Average total assets | $189,020,200 | 2,968 |
| Average earning assets | $183,431,600 | 2,882 |
| Average equity | $23,777,000 | 2,744 |
| Average total loans | $158,745,800 | 2,541 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7450% | 239 |
| Cost of funding earning assets | 1.4215% | 89 |
| Net interest margin | 4.3234% | 1,065 |
| Noninterest income to average assets | 1.9514% | 288 |
| Noninterest expense to average assets | 3.2924% | 1,315 |
| Loan and lease loss provision to assets | 0.5173% | 214 |
| Net operating income to assets | 1.8459% | 557 |
| Return on assets (ROA) | 1.8459% | 553 |
| Pretax return on assets | 2.3365% | 316 |
| Return on Equity (ROE) | 14.6213% | 956 |
| Retained earnings to average equity (ytd only) | 12.4410% | 425 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5677% | 4,646 |
| Assets per employee ($millions) | 8.0263% | 647 |
| Cash dividends to net income (ytd only)* | 14.9120% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 614 |
| Loan loss allowance to noncurrent loans | 200.9560% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 1,970 |
| Noncurrent loans to loans | 0.9374% | 1,817 |
| Net loans and leases to total assets | 78.6941% | 1,218 |
| Net loans and leases to deposits | 90.3356% | 1,850 |
| Net loans and leases to core deposits | 111.8831% | 916 |
| Total domestic deposits to total assets | 87.1131% | 1,680 |
| Equity capital to assets | 11.9511% | 1,943 |
| Core capital (leverage) ratio | 12.3675% | 1,571 |
| Tier 1 risk-based capital ratio | 15.1841% | 2,799 |
| Total risk-based capital ratio | 16.4425% | 2,717 |
| Memoranda: | ||
| Average total assets | $184,543,500 | 3,034 |
| Average earning assets | $179,051,000 | 2,955 |
| Average equity | $23,298,750 | 2,799 |
| Average total loans | $156,793,250 | 2,575 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6989% | 236 |
| Cost of funding earning assets | 1.3140% | 108 |
| Net interest margin | 4.3849% | 877 |
| Noninterest income to average assets | 1.9910% | 279 |
| Noninterest expense to average assets | 3.3122% | 1,291 |
| Loan and lease loss provision to assets | 0.2572% | 597 |
| Net operating income to assets | 2.1111% | 307 |
| Return on assets (ROA) | 2.1111% | 303 |
| Pretax return on assets | 2.6720% | 164 |
| Return on Equity (ROE) | 16.3768% | 601 |
| Retained earnings to average equity (ytd only) | 14.1440% | 266 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0683% | 4,775 |
| Assets per employee ($millions) | 7.0993% | 880 |
| Cash dividends to net income (ytd only)* | 13.6339% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 1,064 |
| Loan loss allowance to noncurrent loans | 240.2164% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 2,417 |
| Noncurrent loans to loans | 0.6741% | 2,417 |
| Net loans and leases to total assets | 87.6857% | 154 |
| Net loans and leases to deposits | 102.6192% | 614 |
| Net loans and leases to core deposits | 114.6618% | 762 |
| Total domestic deposits to total assets | 85.4477% | 2,515 |
| Equity capital to assets | 12.9346% | 1,330 |
| Core capital (leverage) ratio | 13.2982% | 1,136 |
| Tier 1 risk-based capital ratio | 14.8992% | 2,922 |
| Total risk-based capital ratio | 16.1541% | 2,842 |
| Memoranda: | ||
| Average total assets | $176,496,670 | 3,133 |
| Average earning assets | $171,086,330 | 3,052 |
| Average equity | $22,751,670 | 2,860 |
| Average total loans | $153,266,000 | 2,634 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4858% | 279 |
| Cost of funding earning assets | 1.2649% | 103 |
| Net interest margin | 4.2210% | 1,126 |
| Noninterest income to average assets | 1.6468% | 363 |
| Noninterest expense to average assets | 3.1707% | 1,632 |
| Loan and lease loss provision to assets | 0.2575% | 566 |
| Net operating income to assets | 1.8208% | 542 |
| Return on assets (ROA) | 1.8208% | 546 |
| Pretax return on assets | 2.3055% | 313 |
| Return on Equity (ROE) | 14.1505% | 977 |
| Retained earnings to average equity (ytd only) | 11.8612% | 707 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2994% | 4,665 |
| Assets per employee ($millions) | 7.3726% | 816 |
| Cash dividends to net income (ytd only)* | 16.1783% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 1,119 |
| Loan loss allowance to noncurrent loans | 170.5489% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 1,872 |
| Noncurrent loans to loans | 0.9489% | 1,925 |
| Net loans and leases to total assets | 87.5429% | 159 |
| Net loans and leases to deposits | 101.4979% | 612 |
| Net loans and leases to core deposits | 113.1655% | 838 |
| Total domestic deposits to total assets | 86.2509% | 2,422 |
| Equity capital to assets | 12.7804% | 1,346 |
| Core capital (leverage) ratio | 12.8871% | 1,216 |
| Tier 1 risk-based capital ratio | 14.9019% | 2,916 |
| Total risk-based capital ratio | 16.1573% | 2,845 |
| Memoranda: | ||
| Average total assets | $172,454,000 | 3,222 |
| Average earning assets | $166,975,500 | 3,131 |
| Average equity | $22,190,000 | 2,941 |
| Average total loans | $147,641,000 | 2,717 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 315 |
| Cost of funding earning assets | 1.1105% | 120 |
| Net interest margin | 4.2792% | 1,013 |
| Noninterest income to average assets | 4.4517% | 121 |
| Noninterest expense to average assets | 5.5218% | 167 |
| Loan and lease loss provision to assets | 0.4435% | 313 |
| Net operating income to assets | 1.3354% | 1,149 |
| Return on assets (ROA) | 1.3354% | 1,173 |
| Pretax return on assets | 2.6125% | 153 |
| Return on Equity (ROE) | 10.6469% | 1,615 |
| Retained earnings to average equity (ytd only) | 9.1876% | 474 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3731% | 3,557 |
| Assets per employee ($millions) | 6.2209% | 1,367 |
| Cash dividends to net income (ytd only)* | 13.7064% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 833 |
| Loan loss allowance to noncurrent loans | 219.3519% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 2,337 |
| Noncurrent loans to loans | 0.8060% | 2,196 |
| Net loans and leases to total assets | 80.6097% | 882 |
| Net loans and leases to deposits | 93.9793% | 1,277 |
| Net loans and leases to core deposits | 104.6693% | 1,364 |
| Total domestic deposits to total assets | 85.7738% | 2,545 |
| Equity capital to assets | 12.9587% | 1,289 |
| Core capital (leverage) ratio | 13.6128% | 935 |
| Tier 1 risk-based capital ratio | 16.1113% | 2,390 |
| Total risk-based capital ratio | 17.3681% | 2,331 |
| Memoranda: | ||
| Average total assets | $145,877,000 | 3,525 |
| Average earning assets | $140,658,200 | 3,442 |
| Average equity | $18,296,400 | 3,330 |
| Average total loans | $119,011,800 | 3,071 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 313 |
| Cost of funding earning assets | 1.1065% | 107 |
| Net interest margin | 4.2565% | 1,033 |
| Noninterest income to average assets | 5.1307% | 110 |
| Noninterest expense to average assets | 5.9324% | 156 |
| Loan and lease loss provision to assets | 0.5301% | 210 |
| Net operating income to assets | 1.8296% | 442 |
| Return on assets (ROA) | 1.8296% | 453 |
| Pretax return on assets | 2.7719% | 146 |
| Return on Equity (ROE) | 14.7337% | 693 |
| Retained earnings to average equity (ytd only) | 13.6627% | 172 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2424% | 3,494 |
| Assets per employee ($millions) | 5.7612% | 1,680 |
| Cash dividends to net income (ytd only)* | 7.2689% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.1177% | 822 |
| Net loans and leases to deposits | 95.1017% | 1,193 |
| Net loans and leases to core deposits | 105.1719% | 1,321 |
| Total domestic deposits to total assets | 85.2957% | 2,599 |
| Equity capital to assets | 13.4816% | 1,162 |
| Core capital (leverage) ratio | 14.0234% | 886 |
| Tier 1 risk-based capital ratio | 16.2821% | 2,385 |
| Total risk-based capital ratio | 17.5391% | 2,340 |
| Memoranda: | ||
| Average total assets | $140,355,000 | 3,644 |
| Average earning assets | $135,319,250 | 3,548 |
| Average equity | $17,429,000 | 3,474 |
| Average total loans | $114,306,500 | 3,159 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 347 |
| Cost of funding earning assets | 1.1068% | 96 |
| Net interest margin | 4.1700% | 1,147 |
| Noninterest income to average assets | 5.4313% | 105 |
| Noninterest expense to average assets | 6.0907% | 154 |
| Loan and lease loss provision to assets | 0.5972% | 186 |
| Net operating income to assets | 1.8287% | 429 |
| Return on assets (ROA) | 1.8287% | 441 |
| Pretax return on assets | 2.7704% | 143 |
| Return on Equity (ROE) | 15.2262% | 629 |
| Retained earnings to average equity (ytd only) | 15.2262% | 131 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3951% | 3,608 |
| Assets per employee ($millions) | 5.6616% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8009% | 886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.2727% | 775 |
| Net loans and leases to deposits | 96.0407% | 1,080 |
| Net loans and leases to core deposits | 107.1259% | 1,152 |
| Total domestic deposits to total assets | 84.6232% | 2,971 |
| Equity capital to assets | 13.8735% | 1,011 |
| Core capital (leverage) ratio | 14.8897% | 662 |
| Tier 1 risk-based capital ratio | 17.5089% | 2,009 |
| Total risk-based capital ratio | 18.7666% | 1,957 |
| Memoranda: | ||
| Average total assets | $135,289,000 | 3,736 |
| Average earning assets | $130,646,000 | 3,634 |
| Average equity | $16,248,330 | 3,609 |
| Average total loans | $109,565,670 | 3,230 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 383 |
| Cost of funding earning assets | 1.1085% | 92 |
| Net interest margin | 4.0878% | 1,242 |
| Noninterest income to average assets | 3.8691% | 155 |
| Noninterest expense to average assets | 5.0598% | 226 |
| Loan and lease loss provision to assets | 0.5351% | 189 |
| Net operating income to assets | 1.4660% | 869 |
| Return on assets (ROA) | 1.4660% | 893 |
| Pretax return on assets | 2.2206% | 344 |
| Return on Equity (ROE) | 13.3884% | 925 |
| Retained earnings to average equity (ytd only) | 13.3884% | 342 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7408% | 3,705 |
| Assets per employee ($millions) | 5.2766% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.8596% | 714 |
| Net loans and leases to deposits | 92.0932% | 1,321 |
| Net loans and leases to core deposits | 103.5743% | 1,247 |
| Total domestic deposits to total assets | 87.8020% | 1,822 |
| Equity capital to assets | 11.0609% | 2,571 |
| Core capital (leverage) ratio | 11.3521% | 2,060 |
| Tier 1 risk-based capital ratio | 13.8097% | 3,596 |
| Total risk-based capital ratio | 15.0677% | 3,502 |
| Memoranda: | ||
| Average total assets | $129,332,500 | 3,853 |
| Average earning assets | $124,858,500 | 3,755 |
| Average equity | $14,161,500 | 3,896 |
| Average total loans | $103,434,000 | 3,356 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 683 |
| Cost of funding earning assets | 1.0888% | 104 |
| Net interest margin | 3.8419% | 2,166 |
| Noninterest income to average assets | 3.4375% | 168 |
| Noninterest expense to average assets | 4.9113% | 270 |
| Loan and lease loss provision to assets | 0.4206% | 354 |
| Net operating income to assets | 1.2154% | 1,452 |
| Return on assets (ROA) | 1.2154% | 1,540 |
| Pretax return on assets | 1.8368% | 721 |
| Return on Equity (ROE) | 10.9246% | 1,605 |
| Retained earnings to average equity (ytd only) | 10.9246% | 312 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5105% | 3,160 |
| Assets per employee ($millions) | 6.3375% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 914 |
| Loan loss allowance to noncurrent loans | 178.1095% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 2,374 |
| Noncurrent loans to loans | 1.0230% | 2,039 |
| Net loans and leases to total assets | 76.0939% | 1,503 |
| Net loans and leases to deposits | 85.7500% | 2,214 |
| Net loans and leases to core deposits | 95.2113% | 1,987 |
| Total domestic deposits to total assets | 88.7393% | 1,242 |
| Equity capital to assets | 10.8339% | 2,780 |
| Core capital (leverage) ratio | 10.9953% | 2,340 |
| Tier 1 risk-based capital ratio | 14.7691% | 3,064 |
| Total risk-based capital ratio | 16.0268% | 3,009 |
| Memoranda: | ||
| Average total assets | $116,507,600 | 4,054 |
| Average earning assets | $113,147,200 | 3,946 |
| Average equity | $12,961,600 | 4,093 |
| Average total loans | $91,452,800 | 3,548 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 701 |
| Cost of funding earning assets | 1.0717% | 108 |
| Net interest margin | 3.8465% | 2,169 |
| Noninterest income to average assets | 3.0797% | 199 |
| Noninterest expense to average assets | 4.4792% | 386 |
| Loan and lease loss provision to assets | 0.4458% | 301 |
| Net operating income to assets | 1.2520% | 1,449 |
| Return on assets (ROA) | 1.2520% | 1,553 |
| Pretax return on assets | 1.8967% | 712 |
| Return on Equity (ROE) | 11.1726% | 1,608 |
| Retained earnings to average equity (ytd only) | 11.1726% | 407 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6604% | 3,648 |
| Assets per employee ($millions) | 6.4166% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 1,055 |
| Loan loss allowance to noncurrent loans | 265.5608% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 3,473 |
| Noncurrent loans to loans | 0.6686% | 3,022 |
| Net loans and leases to total assets | 72.4659% | 2,119 |
| Net loans and leases to deposits | 82.1398% | 2,717 |
| Net loans and leases to core deposits | 90.3489% | 2,543 |
| Total domestic deposits to total assets | 88.2227% | 1,283 |
| Equity capital to assets | 10.4308% | 3,631 |
| Core capital (leverage) ratio | 10.8303% | 2,649 |
| Tier 1 risk-based capital ratio | 15.0166% | 3,042 |
| Total risk-based capital ratio | 16.2757% | 2,972 |
| Memoranda: | ||
| Average total assets | $113,947,000 | 4,123 |
| Average earning assets | $110,852,000 | 4,015 |
| Average equity | $12,769,000 | 4,167 |
| Average total loans | $89,756,250 | 3,599 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 564 |
| Cost of funding earning assets | 1.0516% | 120 |
| Net interest margin | 3.9708% | 1,734 |
| Noninterest income to average assets | 3.1974% | 188 |
| Noninterest expense to average assets | 4.8574% | 295 |
| Loan and lease loss provision to assets | 0.4288% | 340 |
| Net operating income to assets | 1.1690% | 1,703 |
| Return on assets (ROA) | 1.1690% | 1,804 |
| Pretax return on assets | 1.7718% | 934 |
| Return on Equity (ROE) | 10.1565% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.1565% | 563 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8214% | 3,185 |
| Assets per employee ($millions) | 6.0082% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 1,178 |
| Loan loss allowance to noncurrent loans | 246.6238% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 3,487 |
| Noncurrent loans to loans | 0.7093% | 2,949 |
| Net loans and leases to total assets | 71.6968% | 2,218 |
| Net loans and leases to deposits | 80.8804% | 2,830 |
| Net loans and leases to core deposits | 87.7858% | 2,745 |
| Total domestic deposits to total assets | 88.6454% | 1,088 |
| Equity capital to assets | 10.7804% | 3,311 |
| Core capital (leverage) ratio | 11.1803% | 2,256 |
| Tier 1 risk-based capital ratio | 15.9279% | 2,674 |
| Total risk-based capital ratio | 17.1858% | 2,609 |
| Memoranda: | ||
| Average total assets | $109,152,000 | 4,242 |
| Average earning assets | $106,125,670 | 4,128 |
| Average equity | $12,563,330 | 4,220 |
| Average total loans | $88,115,670 | 3,647 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 405 |
| Cost of funding earning assets | 1.0073% | 161 |
| Net interest margin | 4.2037% | 1,090 |
| Noninterest income to average assets | 2.1458% | 310 |
| Noninterest expense to average assets | 4.1024% | 548 |
| Loan and lease loss provision to assets | 0.5094% | 240 |
| Net operating income to assets | 1.0729% | 2,003 |
| Return on assets (ROA) | 1.0729% | 2,114 |
| Pretax return on assets | 1.6248% | 1,237 |
| Return on Equity (ROE) | 8.9909% | 2,429 |
| Retained earnings to average equity (ytd only) | 8.9909% | 1,120 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7797% | 3,844 |
| Assets per employee ($millions) | 5.7383% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 1,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 82.1450% | 538 |
| Net loans and leases to deposits | 93.4231% | 1,198 |
| Net loans and leases to core deposits | 100.2451% | 1,462 |
| Total domestic deposits to total assets | 87.9279% | 1,684 |
| Equity capital to assets | 11.5512% | 2,395 |
| Core capital (leverage) ratio | 12.1619% | 1,518 |
| Tier 1 risk-based capital ratio | 16.0744% | 2,644 |
| Total risk-based capital ratio | 17.3316% | 2,593 |
| Memoranda: | ||
| Average total assets | $103,646,500 | 4,396 |
| Average earning assets | $100,864,000 | 4,273 |
| Average equity | $12,368,000 | 4,270 |
| Average total loans | $88,330,000 | 3,646 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4499% | 290 |
| Cost of funding earning assets | 1.0078% | 171 |
| Net interest margin | 4.4421% | 723 |
| Noninterest income to average assets | 3.5616% | 174 |
| Noninterest expense to average assets | 5.4269% | 214 |
| Loan and lease loss provision to assets | 0.6259% | 164 |
| Net operating income to assets | 1.2231% | 1,475 |
| Return on assets (ROA) | 1.2231% | 1,536 |
| Pretax return on assets | 1.8403% | 742 |
| Return on Equity (ROE) | 8.8490% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.8490% | 690 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7550% | 3,440 |
| Assets per employee ($millions) | 6.1416% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 1,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 85.8566% | 240 |
| Net loans and leases to deposits | 99.3207% | 729 |
| Net loans and leases to core deposits | 107.6412% | 990 |
| Total domestic deposits to total assets | 86.4438% | 2,409 |
| Equity capital to assets | 12.3564% | 1,699 |
| Core capital (leverage) ratio | 12.5275% | 1,336 |
| Tier 1 risk-based capital ratio | 15.6244% | 2,869 |
| Total risk-based capital ratio | 16.8790% | 2,806 |
| Memoranda: | ||
| Average total assets | $79,879,400 | 4,880 |
| Average earning assets | $77,891,600 | 4,766 |
| Average equity | $11,040,800 | 4,472 |
| Average total loans | $70,259,400 | 4,085 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4607% | 282 |
| Cost of funding earning assets | 0.9851% | 195 |
| Net interest margin | 4.4756% | 689 |
| Noninterest income to average assets | 2.1748% | 319 |
| Noninterest expense to average assets | 4.7021% | 363 |
| Loan and lease loss provision to assets | 0.5933% | 157 |
| Net operating income to assets | 0.8235% | 3,311 |
| Return on assets (ROA) | 0.8235% | 3,392 |
| Pretax return on assets | 1.2486% | 2,606 |
| Return on Equity (ROE) | 5.7590% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.7590% | 2,395 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8539% | 2,912 |
| Assets per employee ($millions) | 6.0495% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 86.5775% | 198 |
| Net loans and leases to deposits | 100.1083% | 656 |
| Net loans and leases to core deposits | 108.6295% | 947 |
| Total domestic deposits to total assets | 86.4838% | 2,289 |
| Equity capital to assets | 12.8010% | 1,562 |
| Core capital (leverage) ratio | 14.0102% | 863 |
| Tier 1 risk-based capital ratio | 16.7869% | 2,440 |
| Total risk-based capital ratio | 18.0412% | 2,405 |
| Memoranda: | ||
| Average total assets | $75,283,000 | 5,020 |
| Average earning assets | $73,492,750 | 4,925 |
| Average equity | $10,765,500 | 4,574 |
| Average total loans | $66,407,500 | 4,227 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 322 |
| Cost of funding earning assets | 0.9769% | 198 |
| Net interest margin | 4.3932% | 769 |
| Noninterest income to average assets | 1.8309% | 418 |
| Noninterest expense to average assets | 4.8339% | 325 |
| Loan and lease loss provision to assets | 0.3080% | 486 |
| Net operating income to assets | 0.6417% | 4,161 |
| Return on assets (ROA) | 0.6417% | 4,271 |
| Pretax return on assets | 0.9725% | 3,687 |
| Return on Equity (ROE) | 4.2931% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.2931% | 3,291 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0578% | 1,905 |
| Assets per employee ($millions) | 4.6489% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 2,964 |
| Loan loss allowance to noncurrent loans | 115.6688% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0553% | 2,396 |
| Noncurrent loans to loans | 1.1712% | 2,309 |
| Net loans and leases to total assets | 88.8846% | 99 |
| Net loans and leases to deposits | 105.6505% | 386 |
| Net loans and leases to core deposits | 112.4443% | 730 |
| Total domestic deposits to total assets | 84.1308% | 3,506 |
| Equity capital to assets | 15.2938% | 650 |
| Core capital (leverage) ratio | 15.6707% | 517 |
| Tier 1 risk-based capital ratio | 19.3948% | 1,697 |
| Total risk-based capital ratio | 20.6479% | 1,666 |
| Memoranda: | ||
| Average total assets | $70,129,670 | 5,211 |
| Average earning assets | $68,378,000 | 5,082 |
| Average equity | $10,482,000 | 4,655 |
| Average total loans | $61,977,330 | 4,406 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 336 |
| Cost of funding earning assets | 0.9544% | 220 |
| Net interest margin | 4.3732% | 776 |
| Noninterest income to average assets | 0.7941% | 1,733 |
| Noninterest expense to average assets | 4.3057% | 496 |
| Loan and lease loss provision to assets | 0.2118% | 844 |
| Net operating income to assets | 0.3529% | 5,242 |
| Return on assets (ROA) | 0.3529% | 5,360 |
| Pretax return on assets | 0.5353% | 5,082 |
| Return on Equity (ROE) | 2.3916% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.3916% | 4,495 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2154% | 1,251 |
| Assets per employee ($millions) | 5.0241% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 3,073 |
| Loan loss allowance to noncurrent loans | 106.4968% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 2,399 |
| Noncurrent loans to loans | 1.2830% | 2,235 |
| Net loans and leases to total assets | 85.7957% | 208 |
| Net loans and leases to deposits | 101.8429% | 465 |
| Net loans and leases to core deposits | 108.8824% | 795 |
| Total domestic deposits to total assets | 84.2432% | 3,713 |
| Equity capital to assets | 15.2706% | 663 |
| Core capital (leverage) ratio | 15.8249% | 486 |
| Tier 1 risk-based capital ratio | 20.0030% | 1,616 |
| Total risk-based capital ratio | 21.2563% | 1,587 |
| Memoranda: | ||
| Average total assets | $68,003,000 | 5,305 |
| Average earning assets | $66,221,500 | 5,194 |
| Average equity | $10,035,000 | 4,772 |
| Average total loans | $59,454,500 | 4,506 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 703 |
| Cost of funding earning assets | 0.9344% | 319 |
| Net interest margin | 4.1185% | 1,517 |
| Noninterest income to average assets | 0.6834% | 2,377 |
| Noninterest expense to average assets | 3.8205% | 961 |
| Loan and lease loss provision to assets | 0.1533% | 1,715 |
| Net operating income to assets | 0.6506% | 4,137 |
| Return on assets (ROA) | 0.6506% | 4,245 |
| Pretax return on assets | 0.7350% | 4,494 |
| Return on Equity (ROE) | 4.6171% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.6171% | 2,893 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1358% | 1,755 |
| Assets per employee ($millions) | 4.3779% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 3,016 |
| Loan loss allowance to noncurrent loans | 101.0101% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 2,365 |
| Noncurrent loans to loans | 1.3720% | 2,138 |
| Net loans and leases to total assets | 86.6876% | 168 |
| Net loans and leases to deposits | 101.7917% | 523 |
| Net loans and leases to core deposits | 109.2483% | 813 |
| Total domestic deposits to total assets | 85.1617% | 3,227 |
| Equity capital to assets | 14.2063% | 901 |
| Core capital (leverage) ratio | 14.4345% | 715 |
| Tier 1 risk-based capital ratio | 18.5696% | 1,969 |
| Total risk-based capital ratio | 19.8236% | 1,937 |
| Memoranda: | ||
| Average total assets | $63,944,200 | 5,449 |
| Average earning assets | $62,499,000 | 5,325 |
| Average equity | $9,010,000 | 4,973 |
| Average total loans | $51,133,600 | 4,779 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9661% | 816 |
| Cost of funding earning assets | 0.9400% | 320 |
| Net interest margin | 4.0261% | 1,802 |
| Noninterest income to average assets | 0.7746% | 1,992 |
| Noninterest expense to average assets | 3.7598% | 1,026 |
| Loan and lease loss provision to assets | 0.1511% | 1,649 |
| Net operating income to assets | 0.8019% | 3,420 |
| Return on assets (ROA) | 0.8019% | 3,515 |
| Pretax return on assets | 0.8019% | 4,360 |
| Return on Equity (ROE) | 5.7033% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.7033% | 2,603 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7773% | 1,950 |
| Assets per employee ($millions) | 4.4993% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 3,087 |
| Loan loss allowance to noncurrent loans | 99.6139% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.2335% | 2,492 |
| Noncurrent loans to loans | 1.4234% | 2,284 |
| Net loans and leases to total assets | 85.4310% | 227 |
| Net loans and leases to deposits | 100.5813% | 581 |
| Net loans and leases to core deposits | 109.3805% | 772 |
| Total domestic deposits to total assets | 84.9373% | 3,362 |
| Equity capital to assets | 14.7579% | 786 |
| Core capital (leverage) ratio | 14.4656% | 736 |
| Tier 1 risk-based capital ratio | 19.7623% | 1,724 |
| Total risk-based capital ratio | 21.0166% | 1,692 |
| Memoranda: | ||
| Average total assets | $63,513,250 | 5,522 |
| Average earning assets | $62,126,250 | 5,398 |
| Average equity | $8,930,250 | 5,029 |
| Average total loans | $49,485,500 | 4,879 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 1,093 |
| Cost of funding earning assets | 0.9337% | 345 |
| Net interest margin | 3.8536% | 2,366 |
| Noninterest income to average assets | 0.6657% | 2,458 |
| Noninterest expense to average assets | 3.5643% | 1,361 |
| Loan and lease loss provision to assets | 0.1507% | 1,633 |
| Net operating income to assets | 0.7223% | 3,720 |
| Return on assets (ROA) | 0.7223% | 3,817 |
| Pretax return on assets | 0.7223% | 4,566 |
| Return on Equity (ROE) | 5.2223% | 4,571 |
| Retained earnings to average equity (ytd only) | 5.2223% | 2,816 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3255% | 1,977 |
| Assets per employee ($millions) | 6.4797% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 3,158 |
| Loan loss allowance to noncurrent loans | 96.5251% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 2,693 |
| Noncurrent loans to loans | 1.4888% | 2,335 |
| Net loans and leases to total assets | 79.3848% | 758 |
| Net loans and leases to deposits | 92.6445% | 1,083 |
| Net loans and leases to core deposits | 100.8964% | 1,209 |
| Total domestic deposits to total assets | 85.6876% | 3,200 |
| Equity capital to assets | 14.1102% | 926 |
| Core capital (leverage) ratio | 14.5210% | 696 |
| Tier 1 risk-based capital ratio | 20.4871% | 1,571 |
| Total risk-based capital ratio | 21.7442% | 1,537 |
| Memoranda: | ||
| Average total assets | $63,687,670 | 5,567 |
| Average earning assets | $62,331,330 | 5,445 |
| Average equity | $8,808,330 | 5,080 |
| Average total loans | $47,785,000 | 4,975 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 1,525 |
| Cost of funding earning assets | 0.9380% | 367 |
| Net interest margin | 3.6549% | 3,042 |
| Noninterest income to average assets | 0.0190% | 6,569 |
| Noninterest expense to average assets | 3.2630% | 2,032 |
| Loan and lease loss provision to assets | 0.1521% | 1,594 |
| Net operating income to assets | 0.1837% | 5,847 |
| Return on assets (ROA) | 0.1837% | 5,889 |
| Pretax return on assets | 0.1837% | 5,945 |
| Return on Equity (ROE) | 1.3424% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.3424% | 5,076 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6690% | 976 |
| Assets per employee ($millions) | 6.3178% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 3,021 |
| Loan loss allowance to noncurrent loans | 78.9989% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.4546% | 2,439 |
| Noncurrent loans to loans | 1.9353% | 1,944 |
| Net loans and leases to total assets | 74.0147% | 1,265 |
| Net loans and leases to deposits | 86.3721% | 1,551 |
| Net loans and leases to core deposits | 93.8957% | 1,559 |
| Total domestic deposits to total assets | 85.6928% | 3,518 |
| Equity capital to assets | 14.1537% | 871 |
| Core capital (leverage) ratio | 14.2527% | 742 |
| Tier 1 risk-based capital ratio | 21.4895% | 1,375 |
| Total risk-based capital ratio | 22.7200% | 1,354 |
| Memoranda: | ||
| Average total assets | $63,133,000 | 5,640 |
| Average earning assets | $61,835,000 | 5,509 |
| Average equity | $8,641,000 | 5,138 |
| Average total loans | $45,583,000 | 5,092 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 1,820 |
| Cost of funding earning assets | 0.9370% | 616 |
| Net interest margin | 3.6786% | 3,139 |
| Noninterest income to average assets | 0.0277% | 6,597 |
| Noninterest expense to average assets | 2.9856% | 3,096 |
| Loan and lease loss provision to assets | 0.1663% | 2,198 |
| Net operating income to assets | 0.4679% | 4,876 |
| Return on assets (ROA) | 0.4679% | 5,008 |
| Pretax return on assets | 0.4679% | 5,300 |
| Return on Equity (ROE) | 3.2805% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.2805% | 3,896 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4797% | 1,814 |
| Assets per employee ($millions) | 7.0098% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 2,733 |
| Loan loss allowance to noncurrent loans | 70.9808% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.5677% | 2,375 |
| Noncurrent loans to loans | 2.2642% | 1,709 |
| Net loans and leases to total assets | 68.1223% | 2,338 |
| Net loans and leases to deposits | 78.6217% | 2,644 |
| Net loans and leases to core deposits | 86.5216% | 2,389 |
| Total domestic deposits to total assets | 86.6456% | 2,912 |
| Equity capital to assets | 13.2196% | 1,176 |
| Core capital (leverage) ratio | 12.8036% | 1,220 |
| Tier 1 risk-based capital ratio | 21.4738% | 1,344 |
| Total risk-based capital ratio | 22.7303% | 1,319 |
| Memoranda: | ||
| Average total assets | $57,710,000 | 5,815 |
| Average earning assets | $56,352,200 | 5,692 |
| Average equity | $8,230,400 | 5,282 |
| Average total loans | $42,998,600 | 5,234 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 1,527 |
| Cost of funding earning assets | 0.9093% | 782 |
| Net interest margin | 3.8189% | 2,578 |
| Noninterest income to average assets | 0.0284% | 6,679 |
| Noninterest expense to average assets | 2.9450% | 3,153 |
| Loan and lease loss provision to assets | 0.1703% | 2,132 |
| Net operating income to assets | 0.6387% | 4,183 |
| Return on assets (ROA) | 0.6387% | 4,297 |
| Pretax return on assets | 0.6387% | 4,890 |
| Return on Equity (ROE) | 4.3885% | 5,032 |
| Retained earnings to average equity (ytd only) | 4.3885% | 3,552 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4499% | 2,347 |
| Assets per employee ($millions) | 8.0028% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 3,007 |
| Loan loss allowance to noncurrent loans | 66.9960% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.5807% | 2,565 |
| Noncurrent loans to loans | 2.3856% | 1,843 |
| Net loans and leases to total assets | 65.2010% | 2,763 |
| Net loans and leases to deposits | 75.0665% | 3,082 |
| Net loans and leases to core deposits | 82.8727% | 2,779 |
| Total domestic deposits to total assets | 86.8576% | 2,763 |
| Equity capital to assets | 13.0252% | 1,320 |
| Core capital (leverage) ratio | 13.7331% | 943 |
| Tier 1 risk-based capital ratio | 21.8831% | 1,337 |
| Total risk-based capital ratio | 23.1401% | 1,320 |
| Memoranda: | ||
| Average total assets | $56,365,500 | 5,922 |
| Average earning assets | $54,987,750 | 5,793 |
| Average equity | $8,203,000 | 5,337 |
| Average total loans | $42,828,500 | 5,285 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 1,050 |
| Cost of funding earning assets | 0.8739% | 1,013 |
| Net interest margin | 4.0453% | 1,711 |
| Noninterest income to average assets | 0.0297% | 6,729 |
| Noninterest expense to average assets | 3.0439% | 2,860 |
| Loan and lease loss provision to assets | 0.1784% | 2,127 |
| Net operating income to assets | 0.7470% | 3,584 |
| Return on assets (ROA) | 0.7470% | 3,731 |
| Pretax return on assets | 0.7470% | 4,521 |
| Return on Equity (ROE) | 4.9279% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.9279% | 3,099 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6854% | 2,684 |
| Assets per employee ($millions) | 7.1033% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 3,693 |
| Loan loss allowance to noncurrent loans | 63.1884% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8213% | 2,382 |
| Noncurrent loans to loans | 2.3369% | 2,016 |
| Net loans and leases to total assets | 76.7888% | 890 |
| Net loans and leases to deposits | 89.9953% | 1,147 |
| Net loans and leases to core deposits | 98.5768% | 1,169 |
| Total domestic deposits to total assets | 85.3254% | 3,730 |
| Equity capital to assets | 14.5532% | 812 |
| Core capital (leverage) ratio | 14.9613% | 617 |
| Tier 1 risk-based capital ratio | 22.0152% | 1,280 |
| Total risk-based capital ratio | 23.2717% | 1,257 |
| Memoranda: | ||
| Average total assets | $53,813,330 | 6,025 |
| Average earning assets | $52,406,000 | 5,925 |
| Average equity | $8,157,670 | 5,392 |
| Average total loans | $42,964,330 | 5,305 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 1,341 |
| Cost of funding earning assets | 0.8495% | 1,258 |
| Net interest margin | 3.9250% | 2,030 |
| Noninterest income to average assets | 0.0306% | 6,791 |
| Noninterest expense to average assets | 3.1659% | 2,462 |
| Loan and lease loss provision to assets | 0.1835% | 2,008 |
| Net operating income to assets | 0.4971% | 4,684 |
| Return on assets (ROA) | 0.4971% | 4,838 |
| Pretax return on assets | 0.4971% | 5,268 |
| Return on Equity (ROE) | 3.2093% | 5,485 |
| Retained earnings to average equity (ytd only) | 3.2093% | 4,327 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3062% | 1,999 |
| Assets per employee ($millions) | 6.6275% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 4,190 |
| Loan loss allowance to noncurrent loans | 43.2990% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.7442% | 1,656 |
| Noncurrent loans to loans | 3.2517% | 1,500 |
| Net loans and leases to total assets | 83.2063% | 222 |
| Net loans and leases to deposits | 98.4600% | 422 |
| Net loans and leases to core deposits | 106.1655% | 634 |
| Total domestic deposits to total assets | 84.5077% | 4,261 |
| Equity capital to assets | 15.3414% | 674 |
| Core capital (leverage) ratio | 15.5238% | 513 |
| Tier 1 risk-based capital ratio | 21.8697% | 1,355 |
| Total risk-based capital ratio | 23.1253% | 1,327 |
| Memoranda: | ||
| Average total assets | $52,307,000 | 6,118 |
| Average earning assets | $50,853,500 | 6,022 |
| Average equity | $8,101,500 | 5,459 |
| Average total loans | $42,301,500 | 5,361 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 1,921 |
| Cost of funding earning assets | 0.8138% | 2,553 |
| Net interest margin | 4.0627% | 2,142 |
| Noninterest income to average assets | 0.0292% | 6,755 |
| Noninterest expense to average assets | 3.1721% | 2,705 |
| Loan and lease loss provision to assets | 0.2005% | 3,132 |
| Net operating income to assets | 0.6286% | 4,094 |
| Return on assets (ROA) | 0.6286% | 4,363 |
| Pretax return on assets | 0.6286% | 4,900 |
| Return on Equity (ROE) | 3.8040% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.8040% | 3,532 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2797% | 2,246 |
| Assets per employee ($millions) | 7.3706% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 3,659 |
| Loan loss allowance to noncurrent loans | 56.2674% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 2.0875% | 2,348 |
| Noncurrent loans to loans | 2.7022% | 1,957 |
| Net loans and leases to total assets | 76.0767% | 903 |
| Net loans and leases to deposits | 90.3984% | 1,043 |
| Net loans and leases to core deposits | 97.9316% | 1,152 |
| Total domestic deposits to total assets | 84.1571% | 4,249 |
| Equity capital to assets | 15.6394% | 612 |
| Core capital (leverage) ratio | 16.0013% | 456 |
| Tier 1 risk-based capital ratio | 24.3806% | 926 |
| Total risk-based capital ratio | 25.6345% | 900 |
| Memoranda: | ||
| Average total assets | $47,887,000 | 6,269 |
| Average earning assets | $46,815,600 | 6,154 |
| Average equity | $7,912,800 | 5,529 |
| Average total loans | $36,837,600 | 5,643 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8458% | 2,213 |
| Cost of funding earning assets | 0.8042% | 2,906 |
| Net interest margin | 4.0415% | 2,331 |
| Noninterest income to average assets | 0.0312% | 6,864 |
| Noninterest expense to average assets | 3.1913% | 2,591 |
| Loan and lease loss provision to assets | 0.2044% | 3,030 |
| Net operating income to assets | 0.5877% | 4,447 |
| Return on assets (ROA) | 0.5877% | 4,719 |
| Pretax return on assets | 0.5877% | 5,207 |
| Return on Equity (ROE) | 3.5052% | 5,490 |
| Retained earnings to average equity (ytd only) | 3.5052% | 4,404 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1140% | 2,079 |
| Assets per employee ($millions) | 6.3065% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 3,925 |
| Loan loss allowance to noncurrent loans | 58.0838% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.9860% | 2,660 |
| Noncurrent loans to loans | 2.5944% | 2,203 |
| Net loans and leases to total assets | 75.3964% | 1,061 |
| Net loans and leases to deposits | 89.7062% | 1,182 |
| Net loans and leases to core deposits | 98.0260% | 1,260 |
| Total domestic deposits to total assets | 84.0482% | 4,196 |
| Equity capital to assets | 15.8051% | 644 |
| Core capital (leverage) ratio | 16.4531% | 431 |
| Tier 1 risk-based capital ratio | 24.1974% | 996 |
| Total risk-based capital ratio | 25.4385% | 974 |
| Memoranda: | ||
| Average total assets | $46,960,250 | 6,366 |
| Average earning assets | $45,921,750 | 6,257 |
| Average equity | $7,873,750 | 5,594 |
| Average total loans | $36,082,750 | 5,749 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 2,364 |
| Cost of funding earning assets | 0.7952% | 3,225 |
| Net interest margin | 4.0385% | 2,349 |
| Noninterest income to average assets | 0.0306% | 6,918 |
| Noninterest expense to average assets | 3.2186% | 2,531 |
| Loan and lease loss provision to assets | 0.2096% | 2,983 |
| Net operating income to assets | 0.5503% | 4,583 |
| Return on assets (ROA) | 0.5503% | 4,863 |
| Pretax return on assets | 0.5503% | 5,309 |
| Return on Equity (ROE) | 3.2142% | 5,601 |
| Retained earnings to average equity (ytd only) | 3.2142% | 4,475 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9001% | 2,048 |
| Assets per employee ($millions) | 5.8818% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,855 |
| Loan loss allowance to noncurrent loans | 55.6886% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 2.1295% | 2,629 |
| Noncurrent loans to loans | 2.7536% | 2,182 |
| Net loans and leases to total assets | 76.1487% | 950 |
| Net loans and leases to deposits | 91.6347% | 988 |
| Net loans and leases to core deposits | 100.0000% | 1,101 |
| Total domestic deposits to total assets | 83.1003% | 4,714 |
| Equity capital to assets | 16.7765% | 472 |
| Core capital (leverage) ratio | 17.1627% | 348 |
| Tier 1 risk-based capital ratio | 25.6474% | 844 |
| Total risk-based capital ratio | 26.9047% | 827 |
| Memoranda: | ||
| Average total assets | $45,796,330 | 6,442 |
| Average earning assets | $44,769,330 | 6,321 |
| Average equity | $7,840,330 | 5,622 |
| Average total loans | $35,236,670 | 5,823 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 2,244 |
| Cost of funding earning assets | 0.7878% | 3,564 |
| Net interest margin | 4.1113% | 2,053 |
| Noninterest income to average assets | 0.0354% | 6,987 |
| Noninterest expense to average assets | 3.0376% | 3,125 |
| Loan and lease loss provision to assets | 0.2125% | 2,829 |
| Net operating income to assets | 0.8059% | 3,351 |
| Return on assets (ROA) | 0.8059% | 3,594 |
| Pretax return on assets | 0.8059% | 4,395 |
| Return on Equity (ROE) | 4.6586% | 4,953 |
| Retained earnings to average equity (ytd only) | 4.6586% | 3,775 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8908% | 2,959 |
| Assets per employee ($millions) | 7.3948% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 4,004 |
| Loan loss allowance to noncurrent loans | 386.9565% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 6,110 |
| Noncurrent loans to loans | 0.3968% | 5,882 |
| Net loans and leases to total assets | 77.1710% | 681 |
| Net loans and leases to deposits | 93.9111% | 674 |
| Net loans and leases to core deposits | 101.6114% | 883 |
| Total domestic deposits to total assets | 82.1745% | 5,234 |
| Equity capital to assets | 17.7128% | 361 |
| Core capital (leverage) ratio | 17.8108% | 303 |
| Tier 1 risk-based capital ratio | 27.0431% | 726 |
| Total risk-based capital ratio | 28.2991% | 710 |
| Memoranda: | ||
| Average total assets | $45,167,500 | 6,504 |
| Average earning assets | $44,171,000 | 6,394 |
| Average equity | $7,813,500 | 5,651 |
| Average total loans | $34,660,500 | 5,888 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 3,682 |
| Cost of funding earning assets | 0.9500% | 3,722 |
| Net interest margin | 3.8762% | 3,441 |
| Noninterest income to average assets | 0.0263% | 6,914 |
| Noninterest expense to average assets | 2.9843% | 3,647 |
| Loan and lease loss provision to assets | 0.3109% | 3,183 |
| Net operating income to assets | 0.4974% | 4,438 |
| Return on assets (ROA) | 0.4974% | 4,651 |
| Pretax return on assets | 0.4974% | 5,000 |
| Return on Equity (ROE) | 2.7214% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.7214% | 4,301 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6885% | 2,499 |
| Assets per employee ($millions) | 7.6610% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 4,123 |
| Loan loss allowance to noncurrent loans | 59.4406% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.8666% | 3,164 |
| Noncurrent loans to loans | 2.4836% | 2,649 |
| Net loans and leases to total assets | 74.0482% | 1,266 |
| Net loans and leases to deposits | 89.2025% | 1,246 |
| Net loans and leases to core deposits | 94.3637% | 1,655 |
| Total domestic deposits to total assets | 83.0114% | 4,746 |
| Equity capital to assets | 16.8994% | 460 |
| Core capital (leverage) ratio | 14.9849% | 607 |
| Tier 1 risk-based capital ratio | 26.0671% | 770 |
| Total risk-based capital ratio | 27.3221% | 757 |
| Memoranda: | ||
| Average total assets | $41,819,000 | 6,607 |
| Average earning assets | $40,632,600 | 6,505 |
| Average equity | $7,643,200 | 5,677 |
| Average total loans | $29,197,400 | 6,191 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 4,242 |
| Cost of funding earning assets | 0.9373% | 4,136 |
| Net interest margin | 3.8099% | 3,823 |
| Noninterest income to average assets | 0.0262% | 7,030 |
| Noninterest expense to average assets | 2.9882% | 3,595 |
| Loan and lease loss provision to assets | 0.2746% | 3,313 |
| Net operating income to assets | 0.4577% | 4,732 |
| Return on assets (ROA) | 0.4577% | 4,925 |
| Pretax return on assets | 0.4577% | 5,292 |
| Return on Equity (ROE) | 2.4522% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.4522% | 4,897 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3163% | 2,214 |
| Assets per employee ($millions) | 8.7590% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 4,278 |
| Loan loss allowance to noncurrent loans | 54.6525% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.6155% | 3,659 |
| Noncurrent loans to loans | 2.6752% | 2,607 |
| Net loans and leases to total assets | 59.5045% | 4,228 |
| Net loans and leases to deposits | 69.7864% | 4,333 |
| Net loans and leases to core deposits | 73.7043% | 4,499 |
| Total domestic deposits to total assets | 85.2666% | 3,637 |
| Equity capital to assets | 14.6516% | 951 |
| Core capital (leverage) ratio | 14.9381% | 679 |
| Tier 1 risk-based capital ratio | 26.9438% | 740 |
| Total risk-based capital ratio | 28.2000% | 729 |
| Memoranda: | ||
| Average total assets | $40,782,250 | 6,702 |
| Average earning assets | $39,545,250 | 6,607 |
| Average equity | $7,612,000 | 5,717 |
| Average total loans | $27,860,000 | 6,311 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 2,972 |
| Cost of funding earning assets | 0.9158% | 4,544 |
| Net interest margin | 4.1238% | 2,323 |
| Noninterest income to average assets | 0.0271% | 7,127 |
| Noninterest expense to average assets | 3.3914% | 2,284 |
| Loan and lease loss provision to assets | 0.2713% | 3,223 |
| Net operating income to assets | 0.3473% | 5,181 |
| Return on assets (ROA) | 0.3473% | 5,316 |
| Pretax return on assets | 0.3473% | 5,554 |
| Return on Equity (ROE) | 1.6881% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.6881% | 5,150 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5737% | 1,754 |
| Assets per employee ($millions) | 6.9197% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 4,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 75.7768% | 1,108 |
| Net loans and leases to deposits | 92.9149% | 958 |
| Net loans and leases to core deposits | 99.9238% | 1,347 |
| Total domestic deposits to total assets | 81.5550% | 5,331 |
| Equity capital to assets | 18.3631% | 354 |
| Core capital (leverage) ratio | 19.2166% | 265 |
| Tier 1 risk-based capital ratio | 28.2873% | 641 |
| Total risk-based capital ratio | 29.5414% | 623 |
| Memoranda: | ||
| Average total assets | $36,858,330 | 6,891 |
| Average earning assets | $35,598,000 | 6,814 |
| Average equity | $7,582,670 | 5,735 |
| Average total loans | $26,568,000 | 6,447 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0657% | 2,794 |
| Cost of funding earning assets | 0.9046% | 4,883 |
| Net interest margin | 4.1611% | 2,032 |
| Noninterest income to average assets | 0.0348% | 7,201 |
| Noninterest expense to average assets | 3.8113% | 1,320 |
| Loan and lease loss provision to assets | 0.1738% | 3,887 |
| Net operating income to assets | 0.0463% | 6,244 |
| Return on assets (ROA) | 0.0463% | 6,285 |
| Pretax return on assets | 0.0463% | 6,274 |
| Return on Equity (ROE) | 0.2116% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.2116% | 5,731 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5402% | 1,011 |
| Assets per employee ($millions) | 7.3472% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 4,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 73.1190% | 1,491 |
| Net loans and leases to deposits | 92.1444% | 1,006 |
| Net loans and leases to core deposits | 97.5628% | 1,559 |
| Total domestic deposits to total assets | 79.3527% | 6,104 |
| Equity capital to assets | 20.5902% | 225 |
| Core capital (leverage) ratio | 22.3986% | 153 |
| Tier 1 risk-based capital ratio | 32.9687% | 403 |
| Total risk-based capital ratio | 34.2239% | 396 |
| Memoranda: | ||
| Average total assets | $34,528,500 | 7,027 |
| Average earning assets | $33,164,000 | 6,949 |
| Average equity | $7,562,000 | 5,756 |
| Average total loans | $23,906,500 | 6,651 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 5,243 |
| Cost of funding earning assets | 1.3285% | 3,696 |
| Net interest margin | 3.5183% | 5,174 |
| Noninterest income to average assets | 0.0315% | 7,193 |
| Noninterest expense to average assets | 4.2110% | 892 |
| Loan and lease loss provision to assets | 0.5766% | 2,825 |
| Net operating income to assets | -1.4153% | 6,884 |
| Return on assets (ROA) | -1.4153% | 6,899 |
| Pretax return on assets | -1.4153% | 6,824 |
| Return on Equity (ROE) | -5.6333% | 6,475 |
| Retained earnings to average equity (ytd only) | -5.6333% | 6,350 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.8705% | 356 |
| Assets per employee ($millions) | 5.3868% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 2,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0451% | 3,292 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 62.4269% | 4,193 |
| Net loans and leases to deposits | 81.5694% | 2,891 |
| Net loans and leases to core deposits | 83.4415% | 3,676 |
| Total domestic deposits to total assets | 76.5323% | 6,563 |
| Equity capital to assets | 23.3904% | 153 |
| Core capital (leverage) ratio | 21.7798% | 173 |
| Tier 1 risk-based capital ratio | 40.2213% | 235 |
| Total risk-based capital ratio | 41.4822% | 231 |
| Memoranda: | ||
| Average total assets | $28,615,400 | 7,252 |
| Average earning assets | $27,172,600 | 7,186 |
| Average equity | $7,189,400 | 5,967 |
| Average total loans | $18,708,600 | 6,991 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 5,471 |
| Cost of funding earning assets | 1.4406% | 3,328 |
| Net interest margin | 3.4087% | 5,639 |
| Noninterest income to average assets | 0.0337% | 7,355 |
| Noninterest expense to average assets | 4.2230% | 802 |
| Loan and lease loss provision to assets | 0.6501% | 2,356 |
| Net operating income to assets | -1.6035% | 7,133 |
| Return on assets (ROA) | -1.6035% | 7,142 |
| Pretax return on assets | -1.6035% | 7,075 |
| Return on Equity (ROE) | -6.2562% | 6,740 |
| Retained earnings to average equity (ytd only) | -6.2562% | 6,660 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.1605% | 300 |
| Assets per employee ($millions) | 5.4102% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 2,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0363% | 3,419 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 60.2046% | 4,869 |
| Net loans and leases to deposits | 76.5852% | 4,074 |
| Net loans and leases to core deposits | 78.2785% | 4,773 |
| Total domestic deposits to total assets | 78.6113% | 6,115 |
| Equity capital to assets | 21.3117% | 217 |
| Core capital (leverage) ratio | 21.2875% | 196 |
| Tier 1 risk-based capital ratio | 37.8509% | 287 |
| Total risk-based capital ratio | 39.1093% | 282 |
| Memoranda: | ||
| Average total assets | $27,689,000 | 7,366 |
| Average earning assets | $26,285,250 | 7,308 |
| Average equity | $7,096,750 | 6,080 |
| Average total loans | $18,246,500 | 7,108 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 4,767 |
| Cost of funding earning assets | 1.4180% | 3,762 |
| Net interest margin | 3.6174% | 4,741 |
| Noninterest income to average assets | 0.0383% | 7,390 |
| Noninterest expense to average assets | 4.2761% | 743 |
| Loan and lease loss provision to assets | 0.6897% | 2,100 |
| Net operating income to assets | -1.4867% | 7,145 |
| Return on assets (ROA) | -1.4867% | 7,156 |
| Pretax return on assets | -1.4867% | 7,071 |
| Return on Equity (ROE) | -5.4218% | 6,730 |
| Retained earnings to average equity (ytd only) | -5.4218% | 6,599 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9075% | 380 |
| Assets per employee ($millions) | 5.3412% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 3,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 62.1556% | 4,653 |
| Net loans and leases to deposits | 79.7973% | 3,633 |
| Net loans and leases to core deposits | 81.5951% | 4,480 |
| Total domestic deposits to total assets | 77.8918% | 6,292 |
| Equity capital to assets | 22.0208% | 200 |
| Core capital (leverage) ratio | 22.9772% | 155 |
| Tier 1 risk-based capital ratio | 38.9244% | 267 |
| Total risk-based capital ratio | 40.1544% | 262 |
| Memoranda: | ||
| Average total assets | $26,098,330 | 7,467 |
| Average earning assets | $24,824,330 | 7,408 |
| Average equity | $7,156,330 | 6,089 |
| Average total loans | $17,697,670 | 7,189 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 4,289 |
| Cost of funding earning assets | 1.2694% | 5,006 |
| Net interest margin | 3.8819% | 3,401 |
| Noninterest income to average assets | 0.0519% | 7,457 |
| Noninterest expense to average assets | 4.7397% | 466 |
| Loan and lease loss provision to assets | 0.5189% | 2,423 |
| Net operating income to assets | -1.5568% | 7,349 |
| Return on assets (ROA) | -1.5568% | 7,353 |
| Pretax return on assets | -1.5568% | 7,274 |
| Return on Equity (ROE) | -4.9958% | 6,884 |
| Retained earnings to average equity (ytd only) | -4.9958% | 6,590 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0374% | 355 |
| Assets per employee ($millions) | 4.5470% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 4,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 63.9836% | 4,334 |
| Net loans and leases to deposits | 86.8501% | 2,436 |
| Net loans and leases to core deposits | 90.5958% | 3,285 |
| Total domestic deposits to total assets | 73.6713% | 7,087 |
| Equity capital to assets | 26.2481% | 127 |
| Core capital (leverage) ratio | 31.1294% | 81 |
| Tier 1 risk-based capital ratio | 46.3405% | 174 |
| Total risk-based capital ratio | 47.5959% | 174 |
| Memoranda: | ||
| Average total assets | $23,124,000 | 7,648 |
| Average earning assets | $21,742,000 | 7,601 |
| Average equity | $7,206,000 | 6,112 |
| Average total loans | $16,434,500 | 7,338 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 7,681 |
| Cost of funding earning assets | 0.5941% | 7,778 |
| Net interest margin | 3.4428% | 5,204 |
| Noninterest income to average assets | 0.0354% | 7,570 |
| Noninterest expense to average assets | 7.3601% | 186 |
| Loan and lease loss provision to assets | 1.5201% | 1,515 |
| Net operating income to assets | -5.6491% | 7,811 |
| Return on assets (ROA) | -5.6491% | 7,802 |
| Pretax return on assets | -5.6491% | 7,774 |
| Return on Equity (ROE) | -10.7385% | 6,672 |
| Retained earnings to average equity (ytd only) | -10.7385% | 6,569 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 227.7899% | 102 |
| Assets per employee ($millions) | 3.1610% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 4,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.8411% | 1,218 |
| Net loans and leases to deposits | 127.7270% | 108 |
| Net loans and leases to core deposits | 176.9795% | 180 |
| Total domestic deposits to total assets | 61.7262% | 7,768 |
| Equity capital to assets | 38.2316% | 65 |
| Core capital (leverage) ratio | 42.8774% | 59 |
| Tier 1 risk-based capital ratio | 59.0280% | 119 |
| Total risk-based capital ratio | 60.2817% | 116 |
| Memoranda: | ||
| Average total assets | $14,143,750 | 7,918 |
| Average earning assets | $13,128,750 | 7,895 |
| Average equity | $7,440,500 | 6,109 |
| Average total loans | $8,542,250 | 7,762 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2613% | 7,960 |
| Cost of funding earning assets | 0.4857% | 7,951 |
| Net interest margin | 2.7755% | 7,092 |
| Noninterest income to average assets | 0.0319% | 7,724 |
| Noninterest expense to average assets | 8.3169% | 144 |
| Loan and lease loss provision to assets | 1.9889% | 914 |
| Net operating income to assets | -7.7214% | 8,002 |
| Return on assets (ROA) | -7.7214% | 8,001 |
| Pretax return on assets | -7.7214% | 7,989 |
| Return on Equity (ROE) | -12.9001% | 7,068 |
| Retained earnings to average equity (ytd only) | -12.9001% | 7,003 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 321.8107% | 60 |
| Assets per employee ($millions) | 2.9858% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 4,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 89.9189% | 122 |
| Net loans and leases to deposits | 176.5851% | 35 |
| Net loans and leases to core deposits | 210.5065% | 85 |
| Total domestic deposits to total assets | 50.9210% | 7,972 |
| Equity capital to assets | 49.0589% | 55 |
| Core capital (leverage) ratio | 56.2001% | 46 |
| Tier 1 risk-based capital ratio | 69.8122% | 92 |
| Total risk-based capital ratio | 71.0704% | 91 |
| Memoranda: | ||
| Average total assets | $12,536,330 | 8,022 |
| Average earning assets | $11,529,000 | 8,002 |
| Average equity | $7,503,670 | 6,144 |
| Average total loans | $6,333,670 | 7,928 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0764% | 8,120 |
| Cost of funding earning assets | 0.4463% | 8,060 |
| Net interest margin | 1.6300% | 7,977 |
| Noninterest income to average assets | 0.0176% | 7,879 |
| Noninterest expense to average assets | 9.9647% | 113 |
| Loan and lease loss provision to assets | 1.0582% | 1,613 |
| Net operating income to assets | -9.5238% | 8,109 |
| Return on assets (ROA) | -9.5238% | 8,102 |
| Pretax return on assets | -9.5238% | 8,089 |
| Return on Equity (ROE) | -14.2227% | 7,293 |
| Retained earnings to average equity (ytd only) | -14.2227% | 7,195 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 664.7059% | 29 |
| Assets per employee ($millions) | 3.0875% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 3,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 34.0243% | 7,770 |
| Net loans and leases to deposits | 86.8541% | 3,377 |
| Net loans and leases to core deposits | 110.1730% | 3,355 |
| Total domestic deposits to total assets | 39.1741% | 8,102 |
| Equity capital to assets | 60.8097% | 47 |
| Core capital (leverage) ratio | 70.2920% | 37 |
| Tier 1 risk-based capital ratio | 136.7444% | 53 |
| Total risk-based capital ratio | 137.8369% | 53 |
| Memoranda: | ||
| Average total assets | $11,340,000 | 8,129 |
| Average earning assets | $10,306,500 | 8,107 |
| Average equity | $7,593,500 | 6,147 |
| Average total loans | $2,695,000 | 8,115 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8493% | 8,189 |
| Cost of funding earning assets | 0.5591% | 8,075 |
| Net interest margin | 1.2902% | 8,112 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 14.9468% | 67 |
| Loan and lease loss provision to assets | 0.6583% | 1,922 |
| Net operating income to assets | -14.4434% | 8,205 |
| Return on assets (ROA) | -14.4434% | 8,199 |
| Pretax return on assets | -14.4434% | 8,197 |
| Return on Equity (ROE) | -19.4347% | 7,737 |
| Retained earnings to average equity (ytd only) | -19.4347% | 7,626 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,286.6667% | 15 |
| Assets per employee ($millions) | 2.5825% | 7,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 2,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 10.7551% | 8,157 |
| Net loans and leases to deposits | 41.9087% | 7,785 |
| Net loans and leases to core deposits | 52.2824% | 7,723 |
| Total domestic deposits to total assets | 25.6631% | 8,181 |
| Equity capital to assets | 74.3175% | 36 |
| Core capital (leverage) ratio | 70.3666% | 42 |
| Tier 1 risk-based capital ratio | 226.7277% | 30 |
| Total risk-based capital ratio | 227.2298% | 30 |
| Memoranda: | ||
| Average total assets | $10,330,000 | 8,187 |
| Average earning assets | $9,301,000 | 8,172 |
| Average equity | $7,677,000 | 6,166 |
| Average total loans | $1,128,000 | 8,182 |