Home > Citizens State Bank, of Arlington > Performance and Condition Ratios
Citizens State Bank, of Arlington, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 4,266 |
| Cost of funding earning assets | 1.2935% | 2,538 |
| Net interest margin | 2.4198% | 4,169 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.8158% | 3,981 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 0.7052% | 3,184 |
| Return on assets (ROA) | 0.7512% | 3,022 |
| Pretax return on assets | 0.7953% | 3,222 |
| Return on Equity (ROE) | 9.0700% | 2,740 |
| Retained earnings to average equity (ytd only) | 4.4502% | 2,813 |
| Net charge-offs to loans | 0.0015% | 2,780 |
| Credit loss provision to net charge-offs | -9,500.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | 972.0000% | 159 |
| Efficiency ratio | 71.7769% | 1,680 |
| Assets per employee ($millions) | 7.2573% | 1,894 |
| Cash dividends to net income (ytd only)* | 50.9311% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 737 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.5300% | 3,624 |
| Net loans and leases to deposits | 58.3386% | 3,614 |
| Net loans and leases to core deposits | 66.0492% | 3,496 |
| Total domestic deposits to total assets | 84.9000% | 2,340 |
| Equity capital to assets | 9.0558% | 2,637 |
| Core capital (leverage) ratio | 11.1528% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $142,964,600 | 3,434 |
| Average earning assets | $137,531,200 | 3,370 |
| Average equity | $11,842,200 | 3,542 |
| Average total loans | $65,663,400 | 3,615 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 4,265 |
| Cost of funding earning assets | 1.1827% | 2,483 |
| Net interest margin | 2.4636% | 4,178 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.8003% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6839% | 3,360 |
| Return on assets (ROA) | 0.7349% | 3,206 |
| Pretax return on assets | 0.7780% | 3,384 |
| Return on Equity (ROE) | 9.0900% | 2,901 |
| Retained earnings to average equity (ytd only) | 2.7553% | 3,569 |
| Net charge-offs to loans | 0.0021% | 2,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 773.0000% | 207 |
| Efficiency ratio | 70.3635% | 1,746 |
| Assets per employee ($millions) | 8.3348% | 1,197 |
| Cash dividends to net income (ytd only)* | 69.6815% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9271% | 448 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 47.0200% | 3,786 |
| Net loans and leases to deposits | 53.3811% | 3,816 |
| Net loans and leases to core deposits | 61.8784% | 3,618 |
| Total domestic deposits to total assets | 88.0700% | 1,543 |
| Equity capital to assets | 7.6603% | 3,268 |
| Core capital (leverage) ratio | 10.8627% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $142,419,500 | 3,442 |
| Average earning assets | $137,085,250 | 3,380 |
| Average equity | $11,516,750 | 3,573 |
| Average total loans | $63,804,250 | 3,656 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5151% | 4,328 |
| Cost of funding earning assets | 0.9784% | 2,676 |
| Net interest margin | 2.5368% | 4,174 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.8281% | 3,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7236% | 3,286 |
| Return on assets (ROA) | 0.7935% | 3,108 |
| Pretax return on assets | 0.8397% | 3,301 |
| Return on Equity (ROE) | 9.6400% | 2,808 |
| Retained earnings to average equity (ytd only) | 3.4249% | 3,370 |
| Net charge-offs to loans | 0.0032% | 2,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 546.0000% | 269 |
| Efficiency ratio | 69.5135% | 1,810 |
| Assets per employee ($millions) | 7.9077% | 1,362 |
| Cash dividends to net income (ytd only)* | 64.4876% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0192% | 403 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 44.6300% | 3,857 |
| Net loans and leases to deposits | 50.3691% | 3,907 |
| Net loans and leases to core deposits | 56.6335% | 3,788 |
| Total domestic deposits to total assets | 88.6000% | 1,377 |
| Equity capital to assets | 8.2655% | 3,041 |
| Core capital (leverage) ratio | 10.9337% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $142,662,000 | 3,452 |
| Average earning assets | $137,577,000 | 3,388 |
| Average equity | $11,737,667 | 3,560 |
| Average total loans | $62,430,333 | 3,683 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 4,327 |
| Cost of funding earning assets | 0.8629% | 2,499 |
| Net interest margin | 2.5856% | 4,220 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.8736% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7198% | 3,419 |
| Return on assets (ROA) | 0.7198% | 3,377 |
| Pretax return on assets | 0.7618% | 3,544 |
| Return on Equity (ROE) | 8.7700% | 3,112 |
| Retained earnings to average equity (ytd only) | 2.5589% | 3,589 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.1382% | 1,734 |
| Assets per employee ($millions) | 7.9262% | 1,383 |
| Cash dividends to net income (ytd only)* | 70.8171% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1984% | 321 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 40.8500% | 4,009 |
| Net loans and leases to deposits | 44.9759% | 4,072 |
| Net loans and leases to core deposits | 50.4275% | 3,977 |
| Total domestic deposits to total assets | 90.8200% | 857 |
| Equity capital to assets | 8.5420% | 2,857 |
| Core capital (leverage) ratio | 10.7044% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $142,824,000 | 3,497 |
| Average earning assets | $137,683,000 | 3,434 |
| Average equity | $11,724,000 | 3,597 |
| Average total loans | $61,231,500 | 3,744 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9374% | 4,198 |
| Cost of funding earning assets | 0.3212% | 2,715 |
| Net interest margin | 2.6162% | 4,153 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.9002% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9497% | 2,771 |
| Return on assets (ROA) | 0.9497% | 2,718 |
| Pretax return on assets | 1.0051% | 3,063 |
| Return on Equity (ROE) | 10.9100% | 2,505 |
| Retained earnings to average equity (ytd only) | 5.8806% | 2,685 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.5161% | 2,431 |
| Assets per employee ($millions) | 7.9431% | 1,348 |
| Cash dividends to net income (ytd only)* | 46.0761% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 372 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 43.0600% | 3,924 |
| Net loans and leases to deposits | 47.0623% | 4,007 |
| Net loans and leases to core deposits | 53.2426% | 3,852 |
| Total domestic deposits to total assets | 91.5000% | 782 |
| Equity capital to assets | 7.8761% | 3,138 |
| Core capital (leverage) ratio | 10.6173% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $135,513,600 | 3,584 |
| Average earning assets | $131,066,200 | 3,519 |
| Average equity | $11,801,600 | 3,682 |
| Average total loans | $59,735,200 | 3,734 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8054% | 4,190 |
| Cost of funding earning assets | 0.2392% | 2,827 |
| Net interest margin | 2.5662% | 4,143 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.9264% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8101% | 3,218 |
| Return on assets (ROA) | 0.8101% | 3,183 |
| Pretax return on assets | 0.8570% | 3,456 |
| Return on Equity (ROE) | 9.0700% | 3,011 |
| Retained earnings to average equity (ytd only) | 2.4462% | 3,928 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.2796% | 1,980 |
| Assets per employee ($millions) | 7.8431% | 1,407 |
| Cash dividends to net income (ytd only)* | 73.0296% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2109% | 341 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 41.0400% | 4,024 |
| Net loans and leases to deposits | 44.3080% | 4,097 |
| Net loans and leases to core deposits | 53.5687% | 3,772 |
| Total domestic deposits to total assets | 92.6300% | 678 |
| Equity capital to assets | 6.7739% | 3,627 |
| Core capital (leverage) ratio | 10.6182% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $133,648,000 | 3,622 |
| Average earning assets | $129,318,500 | 3,557 |
| Average equity | $11,936,750 | 3,719 |
| Average total loans | $58,950,250 | 3,764 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7355% | 4,092 |
| Cost of funding earning assets | 0.2109% | 2,766 |
| Net interest margin | 2.5246% | 4,048 |
| Noninterest income to average assets | 0.3721% | 2,914 |
| Noninterest expense to average assets | 1.9628% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8083% | 2,923 |
| Return on assets (ROA) | 0.8083% | 2,893 |
| Pretax return on assets | 0.8556% | 3,189 |
| Return on Equity (ROE) | 8.3281% | 2,923 |
| Retained earnings to average equity (ytd only) | 1.1628% | 3,956 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6688% | 2,146 |
| Assets per employee ($millions) | 7.8264% | 1,398 |
| Cash dividends to net income (ytd only)* | 86.0377% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2984% | 332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.8545% | 3,983 |
| Net loans and leases to deposits | 46.0071% | 4,029 |
| Net loans and leases to core deposits | 50.6628% | 3,901 |
| Total domestic deposits to total assets | 90.9740% | 1,256 |
| Equity capital to assets | 8.3834% | 2,849 |
| Core capital (leverage) ratio | 10.9368% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,139,000 | 3,691 |
| Average earning assets | $127,068,333 | 3,630 |
| Average equity | $12,728,000 | 3,708 |
| Average total loans | $58,849,667 | 3,807 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6658% | 4,003 |
| Cost of funding earning assets | 0.2187% | 2,550 |
| Net interest margin | 2.4471% | 3,996 |
| Noninterest income to average assets | 0.1506% | 4,247 |
| Noninterest expense to average assets | 1.9572% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5316% | 3,623 |
| Return on assets (ROA) | 0.5316% | 3,592 |
| Pretax return on assets | 0.5654% | 3,719 |
| Return on Equity (ROE) | 5.1202% | 3,592 |
| Retained earnings to average equity (ytd only) | -4.3211% | 4,393 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4921% | 1,464 |
| Assets per employee ($millions) | 6.8941% | 2,071 |
| Cash dividends to net income (ytd only)* | 184.3931% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2935% | 377 |
| Loan loss allowance to noncurrent loans | 1,770.2703% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,481 |
| Noncurrent loans to loans | 0.1296% | 3,165 |
| Net loans and leases to total assets | 42.6058% | 3,841 |
| Net loans and leases to deposits | 47.2309% | 3,916 |
| Net loans and leases to core deposits | 52.0282% | 3,734 |
| Total domestic deposits to total assets | 90.2074% | 1,437 |
| Equity capital to assets | 9.0956% | 2,627 |
| Core capital (leverage) ratio | 11.0567% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,184,000 | 3,715 |
| Average earning assets | $126,190,000 | 3,656 |
| Average equity | $13,515,000 | 3,702 |
| Average total loans | $59,776,000 | 3,795 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9647% | 3,933 |
| Cost of funding earning assets | 0.3152% | 2,253 |
| Net interest margin | 2.6495% | 3,962 |
| Noninterest income to average assets | 0.8267% | 1,388 |
| Noninterest expense to average assets | 2.0042% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3127% | 1,568 |
| Return on assets (ROA) | 1.3127% | 1,608 |
| Pretax return on assets | 1.3838% | 2,103 |
| Return on Equity (ROE) | 10.9217% | 2,189 |
| Retained earnings to average equity (ytd only) | 2.6199% | 3,793 |
| Net charge-offs to loans | 0.0016% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,771.0000% | 80 |
| Efficiency ratio | 58.3487% | 3,386 |
| Assets per employee ($millions) | 6.8095% | 2,061 |
| Cash dividends to net income (ytd only)* | 76.0119% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0982% | 524 |
| Loan loss allowance to noncurrent loans | 1,559.5238% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,520 |
| Noncurrent loans to loans | 0.1345% | 3,254 |
| Net loans and leases to total assets | 47.2434% | 3,576 |
| Net loans and leases to deposits | 54.4937% | 3,559 |
| Net loans and leases to core deposits | 60.7510% | 3,261 |
| Total domestic deposits to total assets | 86.6951% | 2,626 |
| Equity capital to assets | 11.6833% | 1,402 |
| Core capital (leverage) ratio | 11.4492% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,984,400 | 3,704 |
| Average earning assets | $123,722,800 | 3,640 |
| Average equity | $15,382,200 | 3,597 |
| Average total loans | $61,837,400 | 3,785 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9878% | 4,025 |
| Cost of funding earning assets | 0.3351% | 2,249 |
| Net interest margin | 2.6527% | 4,052 |
| Noninterest income to average assets | 1.0300% | 1,016 |
| Noninterest expense to average assets | 1.9869% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5231% | 1,219 |
| Return on assets (ROA) | 1.5231% | 1,262 |
| Pretax return on assets | 1.6066% | 1,676 |
| Return on Equity (ROE) | 12.5832% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.3239% | 3,469 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5349% | 3,724 |
| Assets per employee ($millions) | 6.7848% | 2,027 |
| Cash dividends to net income (ytd only)* | 65.6379% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2117% | 448 |
| Loan loss allowance to noncurrent loans | 1,489.7727% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,648 |
| Noncurrent loans to loans | 0.1485% | 3,375 |
| Net loans and leases to total assets | 44.9640% | 3,872 |
| Net loans and leases to deposits | 51.5213% | 3,915 |
| Net loans and leases to core deposits | 57.2880% | 3,678 |
| Total domestic deposits to total assets | 87.2727% | 2,229 |
| Equity capital to assets | 12.0183% | 1,393 |
| Core capital (leverage) ratio | 11.5819% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,635,250 | 3,745 |
| Average earning assets | $123,344,250 | 3,681 |
| Average equity | $15,448,750 | 3,634 |
| Average total loans | $61,688,250 | 3,843 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0098% | 4,026 |
| Cost of funding earning assets | 0.3557% | 2,269 |
| Net interest margin | 2.6541% | 4,073 |
| Noninterest income to average assets | 1.4622% | 568 |
| Noninterest expense to average assets | 2.0187% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9102% | 576 |
| Return on assets (ROA) | 1.9102% | 605 |
| Pretax return on assets | 2.0124% | 827 |
| Return on Equity (ROE) | 15.7445% | 1,008 |
| Retained earnings to average equity (ytd only) | 7.4770% | 2,262 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3760% | 4,279 |
| Assets per employee ($millions) | 6.4340% | 2,214 |
| Cash dividends to net income (ytd only)* | 52.5103% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0877% | 516 |
| Loan loss allowance to noncurrent loans | 1,489.7727% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 3,755 |
| Noncurrent loans to loans | 0.1401% | 3,498 |
| Net loans and leases to total assets | 47.7817% | 3,747 |
| Net loans and leases to deposits | 55.8117% | 3,724 |
| Net loans and leases to core deposits | 61.5866% | 3,500 |
| Total domestic deposits to total assets | 85.6123% | 2,872 |
| Equity capital to assets | 12.1302% | 1,304 |
| Core capital (leverage) ratio | 11.5901% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,209,667 | 3,759 |
| Average earning assets | $123,129,333 | 3,700 |
| Average equity | $15,434,000 | 3,643 |
| Average total loans | $62,492,667 | 3,853 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9628% | 4,160 |
| Cost of funding earning assets | 0.3789% | 2,273 |
| Net interest margin | 2.5839% | 4,179 |
| Noninterest income to average assets | 1.6098% | 539 |
| Noninterest expense to average assets | 2.0937% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9134% | 651 |
| Return on assets (ROA) | 1.9134% | 700 |
| Pretax return on assets | 2.0178% | 918 |
| Return on Equity (ROE) | 15.7691% | 1,066 |
| Retained earnings to average equity (ytd only) | 7.4545% | 2,435 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2308% | 4,168 |
| Assets per employee ($millions) | 6.4992% | 2,178 |
| Cash dividends to net income (ytd only)* | 52.7273% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1648% | 445 |
| Loan loss allowance to noncurrent loans | 1,473.0337% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,883 |
| Noncurrent loans to loans | 0.1470% | 3,593 |
| Net loans and leases to total assets | 45.5825% | 3,991 |
| Net loans and leases to deposits | 52.0266% | 4,044 |
| Net loans and leases to core deposits | 57.4317% | 3,879 |
| Total domestic deposits to total assets | 87.6139% | 2,041 |
| Equity capital to assets | 11.6968% | 1,438 |
| Core capital (leverage) ratio | 11.4902% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,475,000 | 3,774 |
| Average earning assets | $122,451,500 | 3,713 |
| Average equity | $15,346,500 | 3,652 |
| Average total loans | $62,341,000 | 3,874 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 3,149 |
| Cost of funding earning assets | 0.6683% | 1,885 |
| Net interest margin | 3.1874% | 3,394 |
| Noninterest income to average assets | 0.3008% | 3,674 |
| Noninterest expense to average assets | 2.0766% | 3,982 |
| Loan and lease loss provision to assets | 0.0514% | 3,735 |
| Net operating income to assets | 1.1726% | 1,642 |
| Return on assets (ROA) | 1.1750% | 1,747 |
| Pretax return on assets | 1.2410% | 2,188 |
| Return on Equity (ROE) | 9.0813% | 2,364 |
| Retained earnings to average equity (ytd only) | -1.1923% | 4,651 |
| Net charge-offs to loans | -0.0087% | 4,234 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7943% | 3,352 |
| Assets per employee ($millions) | 6.1483% | 2,211 |
| Cash dividends to net income (ytd only)* | 113.1291% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0446% | 534 |
| Loan loss allowance to noncurrent loans | 956.9343% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 3,740 |
| Noncurrent loans to loans | 0.2137% | 3,437 |
| Net loans and leases to total assets | 51.0792% | 3,745 |
| Net loans and leases to deposits | 58.9583% | 3,830 |
| Net loans and leases to core deposits | 66.7368% | 3,483 |
| Total domestic deposits to total assets | 86.6361% | 2,100 |
| Equity capital to assets | 12.5962% | 1,274 |
| Core capital (leverage) ratio | 11.8952% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,680,000 | 3,785 |
| Average earning assets | $112,223,400 | 3,732 |
| Average equity | $15,097,000 | 3,643 |
| Average total loans | $68,809,000 | 3,761 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 2,961 |
| Cost of funding earning assets | 0.7242% | 1,880 |
| Net interest margin | 3.2801% | 3,248 |
| Noninterest income to average assets | 0.3208% | 3,561 |
| Noninterest expense to average assets | 2.0768% | 3,992 |
| Loan and lease loss provision to assets | 0.0521% | 3,704 |
| Net operating income to assets | 1.2743% | 1,412 |
| Return on assets (ROA) | 1.2776% | 1,510 |
| Pretax return on assets | 1.3483% | 1,880 |
| Return on Equity (ROE) | 9.8049% | 2,090 |
| Retained earnings to average equity (ytd only) | -1.1378% | 4,629 |
| Net charge-offs to loans | -0.0095% | 4,216 |
| Credit loss provision to net charge-offs | -900.0000% | 3,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9196% | 3,530 |
| Assets per employee ($millions) | 5.8670% | 2,383 |
| Cash dividends to net income (ytd only)* | 111.6047% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 642 |
| Loan loss allowance to noncurrent loans | 945.2555% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 3,846 |
| Noncurrent loans to loans | 0.1962% | 3,604 |
| Net loans and leases to total assets | 58.3944% | 3,382 |
| Net loans and leases to deposits | 67.9162% | 3,474 |
| Net loans and leases to core deposits | 76.5116% | 3,125 |
| Total domestic deposits to total assets | 85.9801% | 2,078 |
| Equity capital to assets | 13.1941% | 1,105 |
| Core capital (leverage) ratio | 12.4107% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,108,500 | 3,803 |
| Average earning assets | $110,645,500 | 3,742 |
| Average equity | $14,999,000 | 3,656 |
| Average total loans | $69,981,000 | 3,751 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,097 |
| Cost of funding earning assets | 0.7784% | 1,942 |
| Net interest margin | 3.3026% | 3,379 |
| Noninterest income to average assets | 0.3830% | 3,188 |
| Noninterest expense to average assets | 2.0986% | 4,032 |
| Loan and lease loss provision to assets | 0.0525% | 3,648 |
| Net operating income to assets | 1.3343% | 1,269 |
| Return on assets (ROA) | 1.3343% | 1,368 |
| Pretax return on assets | 1.4078% | 1,709 |
| Return on Equity (ROE) | 10.2844% | 1,891 |
| Retained earnings to average equity (ytd only) | -6.3081% | 4,824 |
| Net charge-offs to loans | -0.0114% | 4,238 |
| Credit loss provision to net charge-offs | -750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0835% | 3,673 |
| Assets per employee ($millions) | 5.8970% | 2,274 |
| Cash dividends to net income (ytd only)* | 161.3368% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 660 |
| Loan loss allowance to noncurrent loans | 423.5099% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 3,290 |
| Noncurrent loans to loans | 0.4237% | 2,890 |
| Net loans and leases to total assets | 59.3468% | 3,391 |
| Net loans and leases to deposits | 68.2373% | 3,543 |
| Net loans and leases to core deposits | 78.1242% | 3,092 |
| Total domestic deposits to total assets | 86.9712% | 1,632 |
| Equity capital to assets | 12.8015% | 1,237 |
| Core capital (leverage) ratio | 12.3579% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,364,667 | 3,796 |
| Average earning assets | $109,974,667 | 3,744 |
| Average equity | $14,838,000 | 3,675 |
| Average total loans | $70,036,333 | 3,755 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 3,261 |
| Cost of funding earning assets | 0.8498% | 2,115 |
| Net interest margin | 3.3365% | 3,494 |
| Noninterest income to average assets | 0.2167% | 4,256 |
| Noninterest expense to average assets | 2.1603% | 4,100 |
| Loan and lease loss provision to assets | 0.0533% | 3,109 |
| Net operating income to assets | 1.1477% | 1,693 |
| Return on assets (ROA) | 1.1477% | 1,801 |
| Pretax return on assets | 1.2116% | 2,152 |
| Return on Equity (ROE) | 8.7843% | 2,198 |
| Retained earnings to average equity (ytd only) | -16.0185% | 4,913 |
| Net charge-offs to loans | -0.0173% | 4,282 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1369% | 3,484 |
| Assets per employee ($millions) | 5.6232% | 2,000 |
| Cash dividends to net income (ytd only)* | 282.3529% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 672 |
| Loan loss allowance to noncurrent loans | 415.4605% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 3,376 |
| Noncurrent loans to loans | 0.4429% | 2,929 |
| Net loans and leases to total assets | 59.9024% | 3,504 |
| Net loans and leases to deposits | 68.8616% | 3,669 |
| Net loans and leases to core deposits | 79.9241% | 3,203 |
| Total domestic deposits to total assets | 86.9895% | 1,555 |
| Equity capital to assets | 12.7820% | 1,559 |
| Core capital (leverage) ratio | 12.2287% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,577,500 | 3,807 |
| Average earning assets | $108,256,000 | 3,744 |
| Average equity | $14,708,000 | 3,694 |
| Average total loans | $69,418,500 | 3,771 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 3,222 |
| Cost of funding earning assets | 0.8599% | 2,378 |
| Net interest margin | 3.5483% | 3,292 |
| Noninterest income to average assets | 0.2479% | 4,193 |
| Noninterest expense to average assets | 2.3785% | 3,738 |
| Loan and lease loss provision to assets | 0.0696% | 2,614 |
| Net operating income to assets | 0.9609% | 2,979 |
| Return on assets (ROA) | 0.9609% | 3,061 |
| Pretax return on assets | 1.1939% | 2,863 |
| Return on Equity (ROE) | 7.2040% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.6170% | 2,093 |
| Net charge-offs to loans | 0.0042% | 3,533 |
| Credit loss provision to net charge-offs | 2,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 453.6667% | 206 |
| Efficiency ratio | 64.4150% | 3,015 |
| Assets per employee ($millions) | 5.3663% | 2,179 |
| Cash dividends to net income (ytd only)* | 22.0290% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 692 |
| Loan loss allowance to noncurrent loans | 196.6825% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 2,203 |
| Noncurrent loans to loans | 0.9016% | 1,704 |
| Net loans and leases to total assets | 61.1942% | 3,480 |
| Net loans and leases to deposits | 70.8484% | 3,604 |
| Net loans and leases to core deposits | 81.9121% | 3,128 |
| Total domestic deposits to total assets | 86.3735% | 1,898 |
| Equity capital to assets | 13.3470% | 1,343 |
| Core capital (leverage) ratio | 13.1715% | 1,161 |
| Tier 1 risk-based capital ratio | 18.9784% | 1,519 |
| Total risk-based capital ratio | 20.2330% | 1,487 |
| Memoranda: | ||
| Average total assets | $107,713,000 | 3,864 |
| Average earning assets | $103,034,000 | 3,816 |
| Average equity | $14,367,000 | 3,702 |
| Average total loans | $71,934,000 | 3,739 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 3,206 |
| Cost of funding earning assets | 0.8513% | 2,461 |
| Net interest margin | 3.5992% | 3,256 |
| Noninterest income to average assets | 0.2342% | 4,336 |
| Noninterest expense to average assets | 2.3831% | 3,733 |
| Loan and lease loss provision to assets | 0.0751% | 2,389 |
| Net operating income to assets | 0.9267% | 3,248 |
| Return on assets (ROA) | 0.9267% | 3,321 |
| Pretax return on assets | 1.2172% | 2,930 |
| Return on Equity (ROE) | 6.9489% | 3,698 |
| Retained earnings to average equity (ytd only) | 4.8079% | 2,983 |
| Net charge-offs to loans | 0.0111% | 2,971 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 171.9963% | 493 |
| Efficiency ratio | 63.9182% | 3,023 |
| Assets per employee ($millions) | 5.1138% | 2,432 |
| Cash dividends to net income (ytd only)* | 30.8106% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 730 |
| Loan loss allowance to noncurrent loans | 390.7643% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 3,382 |
| Noncurrent loans to loans | 0.4508% | 2,954 |
| Net loans and leases to total assets | 63.7154% | 3,312 |
| Net loans and leases to deposits | 74.0576% | 3,468 |
| Net loans and leases to core deposits | 85.5546% | 2,946 |
| Total domestic deposits to total assets | 86.0350% | 1,988 |
| Equity capital to assets | 13.6894% | 1,277 |
| Core capital (leverage) ratio | 13.3982% | 1,170 |
| Tier 1 risk-based capital ratio | 19.0123% | 1,563 |
| Total risk-based capital ratio | 20.2665% | 1,537 |
| Memoranda: | ||
| Average total assets | $106,468,250 | 3,929 |
| Average earning assets | $101,799,250 | 3,879 |
| Average equity | $14,198,500 | 3,753 |
| Average total loans | $72,366,000 | 3,770 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 3,273 |
| Cost of funding earning assets | 0.8213% | 2,542 |
| Net interest margin | 3.6004% | 3,254 |
| Noninterest income to average assets | 0.2411% | 4,308 |
| Noninterest expense to average assets | 2.3832% | 3,782 |
| Loan and lease loss provision to assets | 0.0848% | 2,148 |
| Net operating income to assets | 0.8120% | 3,610 |
| Return on assets (ROA) | 0.8120% | 3,669 |
| Pretax return on assets | 1.2170% | 2,848 |
| Return on Equity (ROE) | 6.1435% | 4,004 |
| Retained earnings to average equity (ytd only) | 2.8936% | 3,771 |
| Net charge-offs to loans | -0.0136% | 4,419 |
| Credit loss provision to net charge-offs | -900.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7526% | 3,172 |
| Assets per employee ($millions) | 5.3214% | 2,130 |
| Cash dividends to net income (ytd only)* | 52.9002% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 902 |
| Loan loss allowance to noncurrent loans | 312.7877% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 3,055 |
| Noncurrent loans to loans | 0.5300% | 2,686 |
| Net loans and leases to total assets | 68.1726% | 2,790 |
| Net loans and leases to deposits | 80.8771% | 2,858 |
| Net loans and leases to core deposits | 90.7640% | 2,533 |
| Total domestic deposits to total assets | 84.2916% | 2,759 |
| Equity capital to assets | 13.4985% | 1,318 |
| Core capital (leverage) ratio | 13.2003% | 1,211 |
| Tier 1 risk-based capital ratio | 18.1546% | 1,763 |
| Total risk-based capital ratio | 19.4093% | 1,718 |
| Memoranda: | ||
| Average total assets | $106,161,000 | 3,954 |
| Average earning assets | $101,545,670 | 3,907 |
| Average equity | $14,031,000 | 3,784 |
| Average total loans | $73,271,000 | 3,776 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 3,588 |
| Cost of funding earning assets | 0.7543% | 2,772 |
| Net interest margin | 3.5387% | 3,466 |
| Noninterest income to average assets | 0.2603% | 4,149 |
| Noninterest expense to average assets | 2.4371% | 3,667 |
| Loan and lease loss provision to assets | 0.1132% | 1,571 |
| Net operating income to assets | 0.3471% | 4,840 |
| Return on assets (ROA) | 0.3471% | 4,847 |
| Pretax return on assets | 1.0903% | 3,179 |
| Return on Equity (ROE) | 2.6545% | 4,859 |
| Retained earnings to average equity (ytd only) | -3.9240% | 4,861 |
| Net charge-offs to loans | 0.0110% | 2,294 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 159.5000% | 482 |
| Efficiency ratio | 66.0104% | 2,938 |
| Assets per employee ($millions) | 5.0561% | 2,452 |
| Cash dividends to net income (ytd only)* | 247.8261% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 886 |
| Loan loss allowance to noncurrent loans | 201.8487% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 2,405 |
| Noncurrent loans to loans | 0.8345% | 1,969 |
| Net loans and leases to total assets | 66.0174% | 3,049 |
| Net loans and leases to deposits | 76.3174% | 3,231 |
| Net loans and leases to core deposits | 84.0318% | 3,025 |
| Total domestic deposits to total assets | 86.5038% | 2,066 |
| Equity capital to assets | 13.0686% | 1,411 |
| Core capital (leverage) ratio | 13.0670% | 1,238 |
| Tier 1 risk-based capital ratio | 17.9499% | 1,803 |
| Total risk-based capital ratio | 19.2037% | 1,768 |
| Memoranda: | ||
| Average total assets | $106,028,000 | 4,005 |
| Average earning assets | $101,279,500 | 3,954 |
| Average equity | $13,863,500 | 3,821 |
| Average total loans | $73,018,000 | 3,819 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 3,190 |
| Cost of funding earning assets | 0.6607% | 2,317 |
| Net interest margin | 3.6148% | 3,325 |
| Noninterest income to average assets | 0.2559% | 4,397 |
| Noninterest expense to average assets | 2.4197% | 3,830 |
| Loan and lease loss provision to assets | 0.0379% | 3,448 |
| Net operating income to assets | 0.9743% | 3,123 |
| Return on assets (ROA) | 0.9743% | 3,121 |
| Pretax return on assets | 1.2625% | 2,642 |
| Return on Equity (ROE) | 7.3628% | 3,706 |
| Retained earnings to average equity (ytd only) | 0.7449% | 4,790 |
| Net charge-offs to loans | 0.2841% | 681 |
| Credit loss provision to net charge-offs | 19.2308% | 3,404 |
| Earnings coverage of net charge-offs (x) | 6.5962% | 3,074 |
| Efficiency ratio | 64.1529% | 3,167 |
| Assets per employee ($millions) | 5.0418% | 2,446 |
| Cash dividends to net income (ytd only)* | 89.8833% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 1,096 |
| Loan loss allowance to noncurrent loans | 112.7885% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9823% | 1,390 |
| Noncurrent loans to loans | 1.3915% | 1,121 |
| Net loans and leases to total assets | 69.4819% | 2,655 |
| Net loans and leases to deposits | 82.0957% | 2,717 |
| Net loans and leases to core deposits | 88.7878% | 2,672 |
| Total domestic deposits to total assets | 84.6351% | 2,784 |
| Equity capital to assets | 13.0820% | 1,304 |
| Core capital (leverage) ratio | 12.9559% | 1,268 |
| Tier 1 risk-based capital ratio | 17.1462% | 2,016 |
| Total risk-based capital ratio | 18.3988% | 1,957 |
| Memoranda: | ||
| Average total assets | $105,507,800 | 4,009 |
| Average earning assets | $101,112,000 | 3,959 |
| Average equity | $13,962,000 | 3,754 |
| Average total loans | $73,219,600 | 3,804 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 3,236 |
| Cost of funding earning assets | 0.6213% | 2,326 |
| Net interest margin | 3.6011% | 3,357 |
| Noninterest income to average assets | 0.2289% | 4,598 |
| Noninterest expense to average assets | 2.2994% | 4,104 |
| Loan and lease loss provision to assets | 0.0126% | 3,745 |
| Net operating income to assets | 1.0574% | 2,839 |
| Return on assets (ROA) | 1.0574% | 2,850 |
| Pretax return on assets | 1.3698% | 2,345 |
| Return on Equity (ROE) | 7.9675% | 3,563 |
| Retained earnings to average equity (ytd only) | 1.3343% | 4,768 |
| Net charge-offs to loans | 0.2453% | 696 |
| Credit loss provision to net charge-offs | 7.4627% | 3,063 |
| Earnings coverage of net charge-offs (x) | 8.1568% | 2,741 |
| Efficiency ratio | 61.5596% | 3,580 |
| Assets per employee ($millions) | 5.3760% | 2,044 |
| Cash dividends to net income (ytd only)* | 83.2538% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 1,055 |
| Loan loss allowance to noncurrent loans | 181.9133% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 2,319 |
| Noncurrent loans to loans | 0.8855% | 1,927 |
| Net loans and leases to total assets | 69.1357% | 2,783 |
| Net loans and leases to deposits | 87.5414% | 2,208 |
| Net loans and leases to core deposits | 94.0139% | 2,285 |
| Total domestic deposits to total assets | 78.9749% | 4,321 |
| Equity capital to assets | 12.9307% | 1,365 |
| Core capital (leverage) ratio | 13.0718% | 1,249 |
| Tier 1 risk-based capital ratio | 17.4614% | 1,945 |
| Total risk-based capital ratio | 18.7150% | 1,899 |
| Memoranda: | ||
| Average total assets | $105,415,250 | 4,045 |
| Average earning assets | $101,079,000 | 3,995 |
| Average equity | $13,989,750 | 3,776 |
| Average total loans | $72,839,750 | 3,850 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 3,191 |
| Cost of funding earning assets | 0.5722% | 2,414 |
| Net interest margin | 3.6022% | 3,302 |
| Noninterest income to average assets | 0.2330% | 4,622 |
| Noninterest expense to average assets | 2.2538% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1116% | 2,539 |
| Return on assets (ROA) | 1.1116% | 2,544 |
| Pretax return on assets | 1.4420% | 2,015 |
| Return on Equity (ROE) | 8.3032% | 3,361 |
| Retained earnings to average equity (ytd only) | 1.6407% | 4,592 |
| Net charge-offs to loans | -0.0417% | 4,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0517% | 3,925 |
| Assets per employee ($millions) | 5.0228% | 2,389 |
| Cash dividends to net income (ytd only)* | 80.2405% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 701 |
| Loan loss allowance to noncurrent loans | 269.0476% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 2,848 |
| Noncurrent loans to loans | 0.6839% | 2,397 |
| Net loans and leases to total assets | 68.5824% | 2,775 |
| Net loans and leases to deposits | 85.0259% | 2,428 |
| Net loans and leases to core deposits | 90.9182% | 2,494 |
| Total domestic deposits to total assets | 80.6606% | 4,086 |
| Equity capital to assets | 13.2026% | 1,225 |
| Core capital (leverage) ratio | 13.2198% | 1,151 |
| Tier 1 risk-based capital ratio | 17.6035% | 1,914 |
| Total risk-based capital ratio | 18.8588% | 1,868 |
| Memoranda: | ||
| Average total assets | $104,714,000 | 4,098 |
| Average earning assets | $100,661,330 | 4,037 |
| Average equity | $14,018,670 | 3,795 |
| Average total loans | $71,936,000 | 3,894 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 3,142 |
| Cost of funding earning assets | 0.5262% | 2,580 |
| Net interest margin | 3.5994% | 3,184 |
| Noninterest income to average assets | 0.2415% | 4,558 |
| Noninterest expense to average assets | 2.2544% | 4,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1157% | 2,353 |
| Return on assets (ROA) | 1.1157% | 2,373 |
| Pretax return on assets | 1.4492% | 1,841 |
| Return on Equity (ROE) | 8.2759% | 3,259 |
| Retained earnings to average equity (ytd only) | 1.5073% | 4,486 |
| Net charge-offs to loans | -0.0676% | 5,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9379% | 4,077 |
| Assets per employee ($millions) | 5.3859% | 2,052 |
| Cash dividends to net income (ytd only)* | 81.7869% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9385% | 617 |
| Loan loss allowance to noncurrent loans | 253.8462% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 2,788 |
| Noncurrent loans to loans | 0.7637% | 2,290 |
| Net loans and leases to total assets | 66.8817% | 2,910 |
| Net loans and leases to deposits | 80.0341% | 2,808 |
| Net loans and leases to core deposits | 84.7946% | 2,912 |
| Total domestic deposits to total assets | 83.5664% | 3,476 |
| Equity capital to assets | 13.5636% | 1,027 |
| Core capital (leverage) ratio | 13.1843% | 1,111 |
| Tier 1 risk-based capital ratio | 17.9053% | 1,865 |
| Total risk-based capital ratio | 19.1614% | 1,809 |
| Memoranda: | ||
| Average total assets | $104,331,500 | 4,155 |
| Average earning assets | $100,350,000 | 4,093 |
| Average equity | $14,065,000 | 3,821 |
| Average total loans | $71,056,000 | 3,946 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 2,978 |
| Cost of funding earning assets | 0.4307% | 2,954 |
| Net interest margin | 3.6916% | 2,825 |
| Noninterest income to average assets | 0.2542% | 4,613 |
| Noninterest expense to average assets | 2.3073% | 4,310 |
| Loan and lease loss provision to assets | 0.1517% | 1,487 |
| Net operating income to assets | 0.8940% | 2,747 |
| Return on assets (ROA) | 0.8952% | 2,766 |
| Pretax return on assets | 1.3409% | 2,212 |
| Return on Equity (ROE) | 6.5278% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.2581% | 1,405 |
| Net charge-offs to loans | -0.0533% | 5,209 |
| Credit loss provision to net charge-offs | -432.4324% | 4,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8752% | 4,288 |
| Assets per employee ($millions) | 5.5963% | 1,849 |
| Cash dividends to net income (ytd only)* | 4.1314% | 4,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 703 |
| Loan loss allowance to noncurrent loans | 222.0199% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 2,649 |
| Noncurrent loans to loans | 0.8352% | 2,137 |
| Net loans and leases to total assets | 66.7507% | 2,999 |
| Net loans and leases to deposits | 83.5493% | 2,542 |
| Net loans and leases to core deposits | 88.9078% | 2,657 |
| Total domestic deposits to total assets | 79.8937% | 4,355 |
| Equity capital to assets | 13.4017% | 1,098 |
| Core capital (leverage) ratio | 13.2120% | 1,071 |
| Tier 1 risk-based capital ratio | 17.8308% | 1,849 |
| Total risk-based capital ratio | 19.0863% | 1,795 |
| Memoranda: | ||
| Average total assets | $105,447,800 | 4,149 |
| Average earning assets | $101,230,800 | 4,074 |
| Average equity | $14,461,200 | 3,785 |
| Average total loans | $69,461,200 | 3,975 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 3,049 |
| Cost of funding earning assets | 0.4197% | 2,987 |
| Net interest margin | 3.6613% | 2,914 |
| Noninterest income to average assets | 0.2243% | 4,873 |
| Noninterest expense to average assets | 2.2338% | 4,458 |
| Loan and lease loss provision to assets | 0.2027% | 933 |
| Net operating income to assets | 0.8574% | 3,247 |
| Return on assets (ROA) | 0.8591% | 3,279 |
| Pretax return on assets | 1.3051% | 2,459 |
| Return on Equity (ROE) | 6.2283% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.8701% | 2,324 |
| Net charge-offs to loans | -0.0621% | 5,231 |
| Credit loss provision to net charge-offs | -500.0000% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8275% | 4,385 |
| Assets per employee ($millions) | 5.6789% | 1,746 |
| Cash dividends to net income (ytd only)* | 5.7523% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9028% | 699 |
| Loan loss allowance to noncurrent loans | 214.1026% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 2,786 |
| Noncurrent loans to loans | 0.8887% | 2,154 |
| Net loans and leases to total assets | 63.8356% | 3,432 |
| Net loans and leases to deposits | 81.9040% | 2,787 |
| Net loans and leases to core deposits | 87.4830% | 2,825 |
| Total domestic deposits to total assets | 77.9396% | 4,737 |
| Equity capital to assets | 13.5506% | 1,135 |
| Core capital (leverage) ratio | 13.2808% | 1,111 |
| Tier 1 risk-based capital ratio | 18.3243% | 1,774 |
| Total risk-based capital ratio | 19.5802% | 1,732 |
| Memoranda: | ||
| Average total assets | $105,227,250 | 4,194 |
| Average earning assets | $101,018,500 | 4,119 |
| Average equity | $14,514,000 | 3,817 |
| Average total loans | $68,747,250 | 4,022 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,040 |
| Cost of funding earning assets | 0.3903% | 3,175 |
| Net interest margin | 3.6497% | 2,842 |
| Noninterest income to average assets | 0.2281% | 4,879 |
| Noninterest expense to average assets | 2.2677% | 4,428 |
| Loan and lease loss provision to assets | 0.2300% | 750 |
| Net operating income to assets | 0.8160% | 3,325 |
| Return on assets (ROA) | 0.8185% | 3,357 |
| Pretax return on assets | 1.2479% | 2,594 |
| Return on Equity (ROE) | 5.8985% | 4,091 |
| Retained earnings to average equity (ytd only) | 5.6222% | 2,336 |
| Net charge-offs to loans | -0.0791% | 5,337 |
| Credit loss provision to net charge-offs | -444.4444% | 4,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6824% | 4,364 |
| Assets per employee ($millions) | 5.0973% | 2,278 |
| Cash dividends to net income (ytd only)* | 4.6838% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8649% | 770 |
| Loan loss allowance to noncurrent loans | 213.7417% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 2,882 |
| Noncurrent loans to loans | 0.8725% | 2,240 |
| Net loans and leases to total assets | 63.4646% | 3,455 |
| Net loans and leases to deposits | 79.0098% | 3,018 |
| Net loans and leases to core deposits | 84.2396% | 3,040 |
| Total domestic deposits to total assets | 80.3249% | 4,345 |
| Equity capital to assets | 13.4608% | 1,160 |
| Core capital (leverage) ratio | 13.2358% | 1,090 |
| Tier 1 risk-based capital ratio | 18.0435% | 1,843 |
| Total risk-based capital ratio | 19.2990% | 1,796 |
| Memoranda: | ||
| Average total assets | $104,336,670 | 4,241 |
| Average earning assets | $100,447,330 | 4,156 |
| Average equity | $14,478,330 | 3,825 |
| Average total loans | $68,258,330 | 4,053 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,225 |
| Cost of funding earning assets | 0.3590% | 3,432 |
| Net interest margin | 3.5857% | 2,936 |
| Noninterest income to average assets | 0.2447% | 4,780 |
| Noninterest expense to average assets | 2.3849% | 4,164 |
| Loan and lease loss provision to assets | 0.2330% | 661 |
| Net operating income to assets | 0.6836% | 3,771 |
| Return on assets (ROA) | 0.6836% | 3,809 |
| Pretax return on assets | 1.0798% | 3,063 |
| Return on Equity (ROE) | 4.8508% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.2996% | 3,277 |
| Net charge-offs to loans | -0.0413% | 5,089 |
| Credit loss provision to net charge-offs | -857.1429% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5504% | 3,908 |
| Assets per employee ($millions) | 5.1008% | 2,302 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 868 |
| Loan loss allowance to noncurrent loans | 161.0372% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 2,457 |
| Noncurrent loans to loans | 1.1501% | 1,770 |
| Net loans and leases to total assets | 62.9055% | 3,411 |
| Net loans and leases to deposits | 73.7248% | 3,428 |
| Net loans and leases to core deposits | 78.3668% | 3,439 |
| Total domestic deposits to total assets | 85.3247% | 2,951 |
| Equity capital to assets | 14.3322% | 803 |
| Core capital (leverage) ratio | 13.9980% | 844 |
| Tier 1 risk-based capital ratio | 19.0508% | 1,605 |
| Total risk-based capital ratio | 20.3058% | 1,564 |
| Memoranda: | ||
| Average total assets | $102,983,000 | 4,300 |
| Average earning assets | $99,172,500 | 4,212 |
| Average equity | $14,513,000 | 3,847 |
| Average total loans | $67,774,500 | 4,099 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,178 |
| Cost of funding earning assets | 0.3758% | 3,251 |
| Net interest margin | 3.6299% | 2,964 |
| Noninterest income to average assets | 0.2609% | 4,863 |
| Noninterest expense to average assets | 2.3638% | 4,387 |
| Loan and lease loss provision to assets | 0.2354% | 916 |
| Net operating income to assets | 0.8152% | 3,235 |
| Return on assets (ROA) | 0.8357% | 3,236 |
| Pretax return on assets | 1.1672% | 2,818 |
| Return on Equity (ROE) | 6.0108% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.7638% | 1,844 |
| Net charge-offs to loans | 0.4052% | 656 |
| Credit loss provision to net charge-offs | 81.9113% | 2,946 |
| Earnings coverage of net charge-offs (x) | 4.7816% | 3,446 |
| Efficiency ratio | 62.3196% | 4,200 |
| Assets per employee ($millions) | 5.1976% | 2,176 |
| Cash dividends to net income (ytd only)* | 4.1080% | 4,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 1,300 |
| Loan loss allowance to noncurrent loans | 137.8313% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 2,358 |
| Noncurrent loans to loans | 1.1829% | 1,736 |
| Net loans and leases to total assets | 66.3976% | 3,016 |
| Net loans and leases to deposits | 77.2652% | 3,177 |
| Net loans and leases to core deposits | 81.8696% | 3,220 |
| Total domestic deposits to total assets | 85.9347% | 2,613 |
| Equity capital to assets | 13.8575% | 935 |
| Core capital (leverage) ratio | 13.9478% | 831 |
| Tier 1 risk-based capital ratio | 18.7996% | 1,658 |
| Total risk-based capital ratio | 20.0536% | 1,619 |
| Memoranda: | ||
| Average total assets | $101,953,200 | 4,321 |
| Average earning assets | $97,662,200 | 4,242 |
| Average equity | $14,174,600 | 3,924 |
| Average total loans | $72,303,000 | 3,985 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 3,066 |
| Cost of funding earning assets | 0.3775% | 3,252 |
| Net interest margin | 3.6653% | 2,842 |
| Noninterest income to average assets | 0.2405% | 5,037 |
| Noninterest expense to average assets | 2.3235% | 4,481 |
| Loan and lease loss provision to assets | 0.2366% | 820 |
| Net operating income to assets | 0.8109% | 3,319 |
| Return on assets (ROA) | 0.8109% | 3,457 |
| Pretax return on assets | 1.1893% | 2,875 |
| Return on Equity (ROE) | 5.8274% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.4968% | 2,485 |
| Net charge-offs to loans | 0.4320% | 496 |
| Credit loss provision to net charge-offs | 76.2712% | 2,711 |
| Earnings coverage of net charge-offs (x) | 4.5974% | 3,249 |
| Efficiency ratio | 61.0585% | 4,380 |
| Assets per employee ($millions) | 4.7475% | 2,674 |
| Cash dividends to net income (ytd only)* | 5.6731% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,547 |
| Loan loss allowance to noncurrent loans | 90.4837% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2648% | 1,538 |
| Noncurrent loans to loans | 1.7428% | 1,196 |
| Net loans and leases to total assets | 71.4287% | 2,273 |
| Net loans and leases to deposits | 84.8936% | 2,383 |
| Net loans and leases to core deposits | 89.5919% | 2,611 |
| Total domestic deposits to total assets | 84.1391% | 3,167 |
| Equity capital to assets | 14.4747% | 881 |
| Core capital (leverage) ratio | 13.7739% | 921 |
| Tier 1 risk-based capital ratio | 18.3123% | 1,828 |
| Total risk-based capital ratio | 19.5650% | 1,801 |
| Memoranda: | ||
| Average total assets | $101,453,750 | 4,364 |
| Average earning assets | $97,124,750 | 4,290 |
| Average equity | $14,117,000 | 3,962 |
| Average total loans | $72,837,500 | 3,996 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 3,261 |
| Cost of funding earning assets | 0.3744% | 3,308 |
| Net interest margin | 3.6209% | 3,016 |
| Noninterest income to average assets | 0.2430% | 5,028 |
| Noninterest expense to average assets | 2.3344% | 4,516 |
| Loan and lease loss provision to assets | 0.2352% | 846 |
| Net operating income to assets | 0.7527% | 3,535 |
| Return on assets (ROA) | 0.7527% | 3,691 |
| Pretax return on assets | 1.1427% | 3,024 |
| Return on Equity (ROE) | 5.4809% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.2668% | 2,575 |
| Net charge-offs to loans | 0.7315% | 282 |
| Credit loss provision to net charge-offs | 44.9438% | 2,720 |
| Earnings coverage of net charge-offs (x) | 2.6330% | 3,246 |
| Efficiency ratio | 61.9324% | 4,357 |
| Assets per employee ($millions) | 4.5933% | 2,873 |
| Cash dividends to net income (ytd only)* | 3.9063% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 2,120 |
| Loan loss allowance to noncurrent loans | 77.0360% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 1,480 |
| Noncurrent loans to loans | 1.8660% | 1,089 |
| Net loans and leases to total assets | 71.2425% | 2,295 |
| Net loans and leases to deposits | 84.8592% | 2,365 |
| Net loans and leases to core deposits | 89.1343% | 2,628 |
| Total domestic deposits to total assets | 83.9538% | 3,282 |
| Equity capital to assets | 14.1056% | 987 |
| Core capital (leverage) ratio | 13.5550% | 963 |
| Tier 1 risk-based capital ratio | 17.8361% | 1,980 |
| Total risk-based capital ratio | 19.0881% | 1,937 |
| Memoranda: | ||
| Average total assets | $102,039,000 | 4,391 |
| Average earning assets | $97,766,330 | 4,311 |
| Average equity | $14,012,330 | 3,993 |
| Average total loans | $72,998,670 | 4,019 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 3,315 |
| Cost of funding earning assets | 0.3799% | 3,296 |
| Net interest margin | 3.5948% | 3,107 |
| Noninterest income to average assets | 0.2458% | 4,978 |
| Noninterest expense to average assets | 2.3680% | 4,463 |
| Loan and lease loss provision to assets | 0.2341% | 779 |
| Net operating income to assets | 0.7061% | 3,685 |
| Return on assets (ROA) | 0.7061% | 3,803 |
| Pretax return on assets | 1.0767% | 3,181 |
| Return on Equity (ROE) | 5.2118% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.7799% | 3,076 |
| Net charge-offs to loans | 0.5865% | 378 |
| Credit loss provision to net charge-offs | 56.0748% | 2,003 |
| Earnings coverage of net charge-offs (x) | 3.1402% | 2,581 |
| Efficiency ratio | 63.4146% | 4,232 |
| Assets per employee ($millions) | 4.7832% | 2,623 |
| Cash dividends to net income (ytd only)* | 8.2873% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 1,618 |
| Loan loss allowance to noncurrent loans | 72.5552% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.5779% | 1,269 |
| Noncurrent loans to loans | 2.1999% | 930 |
| Net loans and leases to total assets | 70.5835% | 2,255 |
| Net loans and leases to deposits | 83.7505% | 2,336 |
| Net loans and leases to core deposits | 88.7469% | 2,484 |
| Total domestic deposits to total assets | 84.2783% | 3,408 |
| Equity capital to assets | 13.9347% | 1,011 |
| Core capital (leverage) ratio | 13.3370% | 1,042 |
| Tier 1 risk-based capital ratio | 17.3934% | 2,152 |
| Total risk-based capital ratio | 18.6467% | 2,125 |
| Memoranda: | ||
| Average total assets | $102,532,500 | 4,417 |
| Average earning assets | $97,919,500 | 4,342 |
| Average equity | $13,891,500 | 4,021 |
| Average total loans | $72,977,000 | 4,048 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,447 |
| Cost of funding earning assets | 0.4562% | 2,566 |
| Net interest margin | 3.5096% | 3,488 |
| Noninterest income to average assets | 0.2691% | 4,944 |
| Noninterest expense to average assets | 2.3440% | 4,668 |
| Loan and lease loss provision to assets | 0.2298% | 868 |
| Net operating income to assets | 0.6980% | 3,823 |
| Return on assets (ROA) | 0.6980% | 3,927 |
| Pretax return on assets | 1.0542% | 3,250 |
| Return on Equity (ROE) | 5.3992% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.1029% | 2,345 |
| Net charge-offs to loans | 0.1908% | 1,518 |
| Credit loss provision to net charge-offs | 171.4286% | 1,577 |
| Earnings coverage of net charge-offs (x) | 9.5786% | 2,806 |
| Efficiency ratio | 63.8955% | 4,292 |
| Assets per employee ($millions) | 4.9818% | 2,388 |
| Cash dividends to net income (ytd only)* | 5.4870% | 4,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 1,548 |
| Loan loss allowance to noncurrent loans | 126.8008% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 2,408 |
| Noncurrent loans to loans | 1.2773% | 1,845 |
| Net loans and leases to total assets | 69.4986% | 2,452 |
| Net loans and leases to deposits | 86.0124% | 2,131 |
| Net loans and leases to core deposits | 92.1007% | 2,207 |
| Total domestic deposits to total assets | 80.8006% | 4,545 |
| Equity capital to assets | 13.1775% | 1,269 |
| Core capital (leverage) ratio | 12.7542% | 1,243 |
| Tier 1 risk-based capital ratio | 17.0671% | 2,261 |
| Total risk-based capital ratio | 18.3210% | 2,213 |
| Memoranda: | ||
| Average total assets | $104,438,200 | 4,372 |
| Average earning assets | $99,955,800 | 4,292 |
| Average equity | $13,502,000 | 4,048 |
| Average total loans | $73,359,000 | 4,014 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 3,558 |
| Cost of funding earning assets | 0.4755% | 2,450 |
| Net interest margin | 3.4707% | 3,662 |
| Noninterest income to average assets | 0.2478% | 5,157 |
| Noninterest expense to average assets | 2.3258% | 4,719 |
| Loan and lease loss provision to assets | 0.2299% | 799 |
| Net operating income to assets | 0.6667% | 4,049 |
| Return on assets (ROA) | 0.6667% | 4,162 |
| Pretax return on assets | 1.0205% | 3,538 |
| Return on Equity (ROE) | 5.1819% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.7848% | 3,064 |
| Net charge-offs to loans | 0.2658% | 996 |
| Credit loss provision to net charge-offs | 123.2877% | 1,944 |
| Earnings coverage of net charge-offs (x) | 6.7055% | 3,011 |
| Efficiency ratio | 64.4286% | 4,167 |
| Assets per employee ($millions) | 4.5520% | 2,916 |
| Cash dividends to net income (ytd only)* | 7.6626% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 2,032 |
| Loan loss allowance to noncurrent loans | 107.5095% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 2,352 |
| Noncurrent loans to loans | 1.4236% | 1,779 |
| Net loans and leases to total assets | 69.5012% | 2,462 |
| Net loans and leases to deposits | 87.7067% | 1,945 |
| Net loans and leases to core deposits | 95.2821% | 1,949 |
| Total domestic deposits to total assets | 79.2428% | 4,922 |
| Equity capital to assets | 13.0416% | 1,419 |
| Core capital (leverage) ratio | 12.4435% | 1,445 |
| Tier 1 risk-based capital ratio | 16.6201% | 2,516 |
| Total risk-based capital ratio | 17.8730% | 2,473 |
| Memoranda: | ||
| Average total assets | $104,393,250 | 4,417 |
| Average earning assets | $100,112,250 | 4,331 |
| Average equity | $13,431,000 | 4,103 |
| Average total loans | $73,222,500 | 4,054 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 3,605 |
| Cost of funding earning assets | 0.4943% | 2,304 |
| Net interest margin | 3.4283% | 3,798 |
| Noninterest income to average assets | 0.2435% | 5,217 |
| Noninterest expense to average assets | 2.3472% | 4,723 |
| Loan and lease loss provision to assets | 0.2301% | 806 |
| Net operating income to assets | 0.6232% | 4,246 |
| Return on assets (ROA) | 0.6232% | 4,356 |
| Pretax return on assets | 0.9512% | 3,769 |
| Return on Equity (ROE) | 4.8665% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.3424% | 3,254 |
| Net charge-offs to loans | 0.3754% | 694 |
| Credit loss provision to net charge-offs | 87.5912% | 2,235 |
| Earnings coverage of net charge-offs (x) | 4.4964% | 3,034 |
| Efficiency ratio | 66.0326% | 4,000 |
| Assets per employee ($millions) | 4.7850% | 2,566 |
| Cash dividends to net income (ytd only)* | 10.7692% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 2,470 |
| Loan loss allowance to noncurrent loans | 77.6420% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3214% | 1,899 |
| Noncurrent loans to loans | 1.8780% | 1,336 |
| Net loans and leases to total assets | 69.3341% | 2,440 |
| Net loans and leases to deposits | 88.0604% | 1,830 |
| Net loans and leases to core deposits | 94.1562% | 1,947 |
| Total domestic deposits to total assets | 78.7347% | 5,152 |
| Equity capital to assets | 12.7577% | 1,511 |
| Core capital (leverage) ratio | 12.4050% | 1,430 |
| Tier 1 risk-based capital ratio | 16.2693% | 2,723 |
| Total risk-based capital ratio | 17.5214% | 2,682 |
| Memoranda: | ||
| Average total assets | $104,292,330 | 4,460 |
| Average earning assets | $99,932,670 | 4,372 |
| Average equity | $13,356,670 | 4,142 |
| Average total loans | $72,998,000 | 4,087 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 3,280 |
| Cost of funding earning assets | 0.5199% | 2,113 |
| Net interest margin | 3.4657% | 3,562 |
| Noninterest income to average assets | 0.2466% | 5,194 |
| Noninterest expense to average assets | 2.2543% | 4,987 |
| Loan and lease loss provision to assets | 0.2312% | 749 |
| Net operating income to assets | 0.7052% | 3,772 |
| Return on assets (ROA) | 0.7052% | 3,897 |
| Pretax return on assets | 1.0751% | 3,192 |
| Return on Equity (ROE) | 5.4955% | 4,286 |
| Retained earnings to average equity (ytd only) | 4.4444% | 3,353 |
| Net charge-offs to loans | -0.0883% | 5,801 |
| Credit loss provision to net charge-offs | -375.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3117% | 4,585 |
| Assets per employee ($millions) | 4.8104% | 2,609 |
| Cash dividends to net income (ytd only)* | 19.1257% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 1,801 |
| Loan loss allowance to noncurrent loans | 69.1627% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.6789% | 1,502 |
| Noncurrent loans to loans | 2.4233% | 1,006 |
| Net loans and leases to total assets | 68.1205% | 2,419 |
| Net loans and leases to deposits | 79.6781% | 2,595 |
| Net loans and leases to core deposits | 85.5768% | 2,597 |
| Total domestic deposits to total assets | 85.4947% | 3,179 |
| Equity capital to assets | 13.2947% | 1,263 |
| Core capital (leverage) ratio | 12.3162% | 1,449 |
| Tier 1 risk-based capital ratio | 16.5126% | 2,678 |
| Total risk-based capital ratio | 17.7659% | 2,620 |
| Memoranda: | ||
| Average total assets | $103,803,500 | 4,504 |
| Average earning assets | $99,257,500 | 4,419 |
| Average equity | $13,320,000 | 4,184 |
| Average total loans | $72,463,000 | 4,120 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 4,031 |
| Cost of funding earning assets | 0.5744% | 2,008 |
| Net interest margin | 3.3526% | 4,395 |
| Noninterest income to average assets | 0.2992% | 4,986 |
| Noninterest expense to average assets | 2.2660% | 5,200 |
| Loan and lease loss provision to assets | 0.4105% | 430 |
| Net operating income to assets | 0.5267% | 4,695 |
| Return on assets (ROA) | 0.5342% | 4,750 |
| Pretax return on assets | 0.8126% | 4,212 |
| Return on Equity (ROE) | 4.3404% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.0337% | 3,335 |
| Net charge-offs to loans | 0.5794% | 693 |
| Credit loss provision to net charge-offs | 105.8394% | 2,266 |
| Earnings coverage of net charge-offs (x) | 3.1241% | 3,970 |
| Efficiency ratio | 65.1560% | 4,385 |
| Assets per employee ($millions) | 5.0757% | 2,232 |
| Cash dividends to net income (ytd only)* | 7.0671% | 4,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 2,630 |
| Loan loss allowance to noncurrent loans | 54.3608% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.8933% | 1,363 |
| Noncurrent loans to loans | 2.6929% | 901 |
| Net loans and leases to total assets | 69.2773% | 2,341 |
| Net loans and leases to deposits | 81.6294% | 2,524 |
| Net loans and leases to core deposits | 87.7577% | 2,525 |
| Total domestic deposits to total assets | 84.8680% | 3,343 |
| Equity capital to assets | 12.3934% | 1,708 |
| Core capital (leverage) ratio | 11.9772% | 1,636 |
| Tier 1 risk-based capital ratio | 15.7174% | 3,119 |
| Total risk-based capital ratio | 16.9688% | 3,049 |
| Memoranda: | ||
| Average total assets | $105,959,800 | 4,459 |
| Average earning assets | $100,458,400 | 4,382 |
| Average equity | $13,040,200 | 4,186 |
| Average total loans | $70,936,400 | 4,149 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 4,185 |
| Cost of funding earning assets | 0.5835% | 1,987 |
| Net interest margin | 3.3134% | 4,557 |
| Noninterest income to average assets | 0.2596% | 5,357 |
| Noninterest expense to average assets | 2.2255% | 5,299 |
| Loan and lease loss provision to assets | 0.2268% | 990 |
| Net operating income to assets | 0.6142% | 4,379 |
| Return on assets (ROA) | 0.6175% | 4,456 |
| Pretax return on assets | 0.9540% | 3,782 |
| Return on Equity (ROE) | 5.0264% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.6161% | 3,348 |
| Net charge-offs to loans | 0.6005% | 619 |
| Credit loss provision to net charge-offs | 57.1429% | 2,993 |
| Earnings coverage of net charge-offs (x) | 2.9619% | 3,783 |
| Efficiency ratio | 65.4316% | 4,306 |
| Assets per employee ($millions) | 4.7356% | 2,613 |
| Cash dividends to net income (ytd only)* | 8.1629% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 3,640 |
| Loan loss allowance to noncurrent loans | 57.4755% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.5665% | 1,953 |
| Noncurrent loans to loans | 2.2635% | 1,328 |
| Net loans and leases to total assets | 68.3067% | 2,482 |
| Net loans and leases to deposits | 80.4850% | 2,620 |
| Net loans and leases to core deposits | 86.6596% | 2,589 |
| Total domestic deposits to total assets | 84.8689% | 3,393 |
| Equity capital to assets | 12.6671% | 1,599 |
| Core capital (leverage) ratio | 11.9907% | 1,704 |
| Tier 1 risk-based capital ratio | 16.0656% | 3,030 |
| Total risk-based capital ratio | 17.2824% | 2,996 |
| Memoranda: | ||
| Average total assets | $105,802,500 | 4,504 |
| Average earning assets | $100,318,250 | 4,427 |
| Average equity | $12,997,750 | 4,221 |
| Average total loans | $69,935,750 | 4,226 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 4,377 |
| Cost of funding earning assets | 0.5871% | 2,009 |
| Net interest margin | 3.2521% | 4,770 |
| Noninterest income to average assets | 0.2671% | 5,295 |
| Noninterest expense to average assets | 2.2550% | 5,271 |
| Loan and lease loss provision to assets | 0.2257% | 1,019 |
| Net operating income to assets | 0.5586% | 4,552 |
| Return on assets (ROA) | 0.5586% | 4,655 |
| Pretax return on assets | 0.8595% | 4,043 |
| Return on Equity (ROE) | 4.5935% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.2842% | 3,449 |
| Net charge-offs to loans | 0.3554% | 1,152 |
| Credit loss provision to net charge-offs | 97.5610% | 2,051 |
| Earnings coverage of net charge-offs (x) | 4.6911% | 3,061 |
| Efficiency ratio | 67.5113% | 4,108 |
| Assets per employee ($millions) | 5.0684% | 2,131 |
| Cash dividends to net income (ytd only)* | 6.7340% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 2,793 |
| Loan loss allowance to noncurrent loans | 49.6750% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 2.0237% | 1,573 |
| Noncurrent loans to loans | 3.0645% | 933 |
| Net loans and leases to total assets | 65.0328% | 2,903 |
| Net loans and leases to deposits | 74.7433% | 3,238 |
| Net loans and leases to core deposits | 80.7407% | 3,124 |
| Total domestic deposits to total assets | 87.0083% | 2,449 |
| Equity capital to assets | 12.2984% | 1,776 |
| Core capital (leverage) ratio | 11.8318% | 1,765 |
| Tier 1 risk-based capital ratio | 15.7806% | 3,205 |
| Total risk-based capital ratio | 17.0328% | 3,142 |
| Memoranda: | ||
| Average total assets | $106,342,330 | 4,527 |
| Average earning assets | $100,489,000 | 4,457 |
| Average equity | $12,931,330 | 4,235 |
| Average total loans | $69,213,670 | 4,262 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 4,355 |
| Cost of funding earning assets | 0.6085% | 1,908 |
| Net interest margin | 3.2227% | 4,847 |
| Noninterest income to average assets | 0.2822% | 5,112 |
| Noninterest expense to average assets | 2.2202% | 5,413 |
| Loan and lease loss provision to assets | 0.2258% | 987 |
| Net operating income to assets | 0.5645% | 4,390 |
| Return on assets (ROA) | 0.5645% | 4,466 |
| Pretax return on assets | 0.8655% | 3,843 |
| Return on Equity (ROE) | 4.6685% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.0461% | 3,686 |
| Net charge-offs to loans | -0.0291% | 5,541 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0455% | 4,355 |
| Assets per employee ($millions) | 4.9461% | 2,310 |
| Cash dividends to net income (ytd only)* | 13.3333% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 2,366 |
| Loan loss allowance to noncurrent loans | 48.4255% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 2.3241% | 1,405 |
| Noncurrent loans to loans | 3.5041% | 830 |
| Net loans and leases to total assets | 63.4719% | 2,986 |
| Net loans and leases to deposits | 72.9523% | 3,212 |
| Net loans and leases to core deposits | 78.2907% | 3,171 |
| Total domestic deposits to total assets | 87.0047% | 2,808 |
| Equity capital to assets | 12.4446% | 1,611 |
| Core capital (leverage) ratio | 11.7996% | 1,761 |
| Tier 1 risk-based capital ratio | 16.1217% | 3,108 |
| Total risk-based capital ratio | 17.3752% | 3,068 |
| Memoranda: | ||
| Average total assets | $106,295,000 | 4,579 |
| Average earning assets | $99,917,500 | 4,512 |
| Average equity | $12,852,000 | 4,260 |
| Average total loans | $68,676,000 | 4,310 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 4,208 |
| Cost of funding earning assets | 0.8144% | 1,128 |
| Net interest margin | 3.1531% | 5,150 |
| Noninterest income to average assets | 0.2741% | 5,394 |
| Noninterest expense to average assets | 2.1802% | 5,681 |
| Loan and lease loss provision to assets | 0.2268% | 1,606 |
| Net operating income to assets | 0.5613% | 4,451 |
| Return on assets (ROA) | 0.5613% | 4,567 |
| Pretax return on assets | 0.8638% | 3,900 |
| Return on Equity (ROE) | 4.6970% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.3807% | 3,058 |
| Net charge-offs to loans | 0.0676% | 4,267 |
| Credit loss provision to net charge-offs | 521.7391% | 449 |
| Earnings coverage of net charge-offs (x) | 25.0870% | 1,343 |
| Efficiency ratio | 66.6570% | 4,441 |
| Assets per employee ($millions) | 5.1772% | 1,980 |
| Cash dividends to net income (ytd only)* | 6.7340% | 4,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,063 |
| Loan loss allowance to noncurrent loans | 46.3900% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 2.1274% | 1,675 |
| Noncurrent loans to loans | 3.2908% | 995 |
| Net loans and leases to total assets | 63.6614% | 3,105 |
| Net loans and leases to deposits | 75.2899% | 3,057 |
| Net loans and leases to core deposits | 80.4552% | 3,073 |
| Total domestic deposits to total assets | 84.5551% | 3,942 |
| Equity capital to assets | 11.7529% | 1,981 |
| Core capital (leverage) ratio | 11.5688% | 1,910 |
| Tier 1 risk-based capital ratio | 15.7480% | 3,223 |
| Total risk-based capital ratio | 17.0003% | 3,184 |
| Memoranda: | ||
| Average total assets | $105,816,800 | 4,597 |
| Average earning assets | $100,568,600 | 4,495 |
| Average equity | $12,646,400 | 4,325 |
| Average total loans | $68,044,800 | 4,339 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 4,268 |
| Cost of funding earning assets | 0.8417% | 1,086 |
| Net interest margin | 3.1216% | 5,260 |
| Noninterest income to average assets | 0.2588% | 5,589 |
| Noninterest expense to average assets | 2.1733% | 5,670 |
| Loan and lease loss provision to assets | 0.2284% | 1,584 |
| Net operating income to assets | 0.5557% | 4,552 |
| Return on assets (ROA) | 0.5557% | 4,705 |
| Pretax return on assets | 0.8450% | 4,117 |
| Return on Equity (ROE) | 4.6299% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.2070% | 3,691 |
| Net charge-offs to loans | 0.1008% | 3,538 |
| Credit loss provision to net charge-offs | 352.9412% | 741 |
| Earnings coverage of net charge-offs (x) | 16.5878% | 1,790 |
| Efficiency ratio | 66.9402% | 4,316 |
| Assets per employee ($millions) | 4.5084% | 2,870 |
| Cash dividends to net income (ytd only)* | 9.1320% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 3,640 |
| Loan loss allowance to noncurrent loans | 40.9257% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 2.3753% | 1,649 |
| Noncurrent loans to loans | 3.5669% | 1,064 |
| Net loans and leases to total assets | 65.6190% | 2,702 |
| Net loans and leases to deposits | 75.2388% | 3,060 |
| Net loans and leases to core deposits | 81.2434% | 2,971 |
| Total domestic deposits to total assets | 87.2143% | 2,557 |
| Equity capital to assets | 12.2013% | 1,782 |
| Core capital (leverage) ratio | 11.3896% | 2,136 |
| Tier 1 risk-based capital ratio | 15.8864% | 3,260 |
| Total risk-based capital ratio | 17.1381% | 3,206 |
| Memoranda: | ||
| Average total assets | $105,090,500 | 4,666 |
| Average earning assets | $100,585,500 | 4,541 |
| Average equity | $12,613,500 | 4,379 |
| Average total loans | $67,484,250 | 4,391 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 4,318 |
| Cost of funding earning assets | 0.8564% | 1,110 |
| Net interest margin | 3.0853% | 5,314 |
| Noninterest income to average assets | 0.2634% | 5,572 |
| Noninterest expense to average assets | 2.1941% | 5,646 |
| Loan and lease loss provision to assets | 0.2274% | 1,659 |
| Net operating income to assets | 0.5229% | 4,704 |
| Return on assets (ROA) | 0.5229% | 4,868 |
| Pretax return on assets | 0.7977% | 4,321 |
| Return on Equity (ROE) | 4.3807% | 5,057 |
| Retained earnings to average equity (ytd only) | 4.0633% | 3,710 |
| Net charge-offs to loans | 0.1314% | 3,061 |
| Credit loss provision to net charge-offs | 272.7273% | 927 |
| Earnings coverage of net charge-offs (x) | 12.2955% | 1,989 |
| Efficiency ratio | 68.1577% | 4,154 |
| Assets per employee ($millions) | 4.7045% | 2,504 |
| Cash dividends to net income (ytd only)* | 7.2464% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 4,029 |
| Loan loss allowance to noncurrent loans | 37.5246% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 2.4590% | 1,727 |
| Noncurrent loans to loans | 3.7333% | 1,092 |
| Net loans and leases to total assets | 64.9427% | 2,763 |
| Net loans and leases to deposits | 74.3175% | 3,102 |
| Net loans and leases to core deposits | 80.2816% | 2,994 |
| Total domestic deposits to total assets | 87.3854% | 2,600 |
| Equity capital to assets | 12.0446% | 1,886 |
| Core capital (leverage) ratio | 11.2134% | 2,164 |
| Tier 1 risk-based capital ratio | 15.9106% | 3,246 |
| Total risk-based capital ratio | 17.1602% | 3,191 |
| Memoranda: | ||
| Average total assets | $105,556,000 | 4,688 |
| Average earning assets | $101,123,670 | 4,548 |
| Average equity | $12,600,670 | 4,407 |
| Average total loans | $66,962,000 | 4,425 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 4,624 |
| Cost of funding earning assets | 0.8555% | 1,230 |
| Net interest margin | 3.0023% | 5,565 |
| Noninterest income to average assets | 0.2627% | 5,582 |
| Noninterest expense to average assets | 2.2405% | 5,583 |
| Loan and lease loss provision to assets | 0.2252% | 1,631 |
| Net operating income to assets | 0.4391% | 4,963 |
| Return on assets (ROA) | 0.4391% | 5,128 |
| Pretax return on assets | 0.6680% | 4,713 |
| Return on Equity (ROE) | 3.6943% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.0628% | 4,443 |
| Net charge-offs to loans | -0.1206% | 6,519 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4970% | 3,711 |
| Assets per employee ($millions) | 5.0119% | 2,197 |
| Cash dividends to net income (ytd only)* | 17.0940% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 3,861 |
| Loan loss allowance to noncurrent loans | 39.9750% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 2.2803% | 2,046 |
| Noncurrent loans to loans | 3.7343% | 1,249 |
| Net loans and leases to total assets | 60.1269% | 3,406 |
| Net loans and leases to deposits | 69.0026% | 3,638 |
| Net loans and leases to core deposits | 74.2950% | 3,540 |
| Total domestic deposits to total assets | 87.1372% | 2,875 |
| Equity capital to assets | 12.0571% | 2,003 |
| Core capital (leverage) ratio | 10.9362% | 2,315 |
| Tier 1 risk-based capital ratio | 16.0706% | 3,224 |
| Total risk-based capital ratio | 17.3224% | 3,183 |
| Memoranda: | ||
| Average total assets | $106,584,500 | 4,704 |
| Average earning assets | $101,923,000 | 4,567 |
| Average equity | $12,668,000 | 4,439 |
| Average total loans | $66,358,000 | 4,481 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 2,892 |
| Cost of funding earning assets | 1.0666% | 1,043 |
| Net interest margin | 3.5607% | 4,261 |
| Noninterest income to average assets | 0.2908% | 5,390 |
| Noninterest expense to average assets | 2.3903% | 5,431 |
| Loan and lease loss provision to assets | 0.3486% | 1,916 |
| Net operating income to assets | 0.6115% | 4,186 |
| Return on assets (ROA) | 0.6115% | 4,446 |
| Pretax return on assets | 0.9332% | 3,799 |
| Return on Equity (ROE) | 4.9875% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.8250% | 2,829 |
| Net charge-offs to loans | 0.0030% | 5,944 |
| Credit loss provision to net charge-offs | 17,500.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 643.5000% | 63 |
| Efficiency ratio | 65.0936% | 4,685 |
| Assets per employee ($millions) | 5.1390% | 2,055 |
| Cash dividends to net income (ytd only)* | 3.2573% | 4,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 4,719 |
| Loan loss allowance to noncurrent loans | 36.8245% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 2.3138% | 2,125 |
| Noncurrent loans to loans | 3.4860% | 1,434 |
| Net loans and leases to total assets | 62.6344% | 3,144 |
| Net loans and leases to deposits | 71.6064% | 3,478 |
| Net loans and leases to core deposits | 76.2003% | 3,506 |
| Total domestic deposits to total assets | 87.4703% | 2,545 |
| Equity capital to assets | 11.7179% | 2,256 |
| Core capital (leverage) ratio | 11.2125% | 2,080 |
| Tier 1 risk-based capital ratio | 15.2762% | 3,559 |
| Total risk-based capital ratio | 16.4561% | 3,551 |
| Memoranda: | ||
| Average total assets | $100,404,000 | 4,823 |
| Average earning assets | $95,346,800 | 4,715 |
| Average equity | $12,310,800 | 4,501 |
| Average total loans | $67,253,000 | 4,449 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 2,380 |
| Cost of funding earning assets | 1.1144% | 1,004 |
| Net interest margin | 3.6895% | 3,841 |
| Noninterest income to average assets | 0.2707% | 5,621 |
| Noninterest expense to average assets | 2.3709% | 5,483 |
| Loan and lease loss provision to assets | 0.2165% | 2,897 |
| Net operating income to assets | 0.7700% | 3,602 |
| Return on assets (ROA) | 0.7700% | 3,860 |
| Pretax return on assets | 1.1868% | 3,031 |
| Return on Equity (ROE) | 6.2047% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.9866% | 2,703 |
| Net charge-offs to loans | -0.0319% | 6,593 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8182% | 5,004 |
| Assets per employee ($millions) | 4.5180% | 2,883 |
| Cash dividends to net income (ytd only)* | 3.5155% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 5,890 |
| Loan loss allowance to noncurrent loans | 26.0309% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 2.7325% | 1,936 |
| Noncurrent loans to loans | 4.0372% | 1,261 |
| Net loans and leases to total assets | 66.9718% | 2,467 |
| Net loans and leases to deposits | 77.6412% | 2,714 |
| Net loans and leases to core deposits | 83.1165% | 2,807 |
| Total domestic deposits to total assets | 86.2581% | 3,116 |
| Equity capital to assets | 12.7056% | 1,762 |
| Core capital (leverage) ratio | 11.5786% | 1,929 |
| Tier 1 risk-based capital ratio | 15.6104% | 3,471 |
| Total risk-based capital ratio | 16.5840% | 3,585 |
| Memoranda: | ||
| Average total assets | $98,525,000 | 4,917 |
| Average earning assets | $93,560,000 | 4,811 |
| Average equity | $12,227,000 | 4,556 |
| Average total loans | $66,947,750 | 4,507 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 2,871 |
| Cost of funding earning assets | 1.1327% | 1,082 |
| Net interest margin | 3.5781% | 4,355 |
| Noninterest income to average assets | 0.2830% | 5,550 |
| Noninterest expense to average assets | 2.4085% | 5,428 |
| Loan and lease loss provision to assets | 0.2036% | 3,035 |
| Net operating income to assets | 0.6719% | 4,009 |
| Return on assets (ROA) | 0.6719% | 4,271 |
| Pretax return on assets | 1.0729% | 3,402 |
| Return on Equity (ROE) | 5.4577% | 4,604 |
| Retained earnings to average equity (ytd only) | 5.2923% | 3,100 |
| Net charge-offs to loans | -0.0449% | 6,636 |
| Credit loss provision to net charge-offs | -666.6667% | 6,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3591% | 4,655 |
| Assets per employee ($millions) | 4.4830% | 2,933 |
| Cash dividends to net income (ytd only)* | 3.0303% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,351 |
| Loan loss allowance to noncurrent loans | 23.0057% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 2.8471% | 1,934 |
| Noncurrent loans to loans | 4.0891% | 1,341 |
| Net loans and leases to total assets | 68.9724% | 2,105 |
| Net loans and leases to deposits | 79.7664% | 2,413 |
| Net loans and leases to core deposits | 85.3865% | 2,507 |
| Total domestic deposits to total assets | 86.4679% | 3,089 |
| Equity capital to assets | 12.4857% | 1,831 |
| Core capital (leverage) ratio | 11.5307% | 1,883 |
| Tier 1 risk-based capital ratio | 15.3121% | 3,570 |
| Total risk-based capital ratio | 16.2027% | 3,748 |
| Memoranda: | ||
| Average total assets | $98,234,330 | 4,948 |
| Average earning assets | $93,402,000 | 4,836 |
| Average equity | $12,093,000 | 4,580 |
| Average total loans | $66,838,670 | 4,528 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 3,196 |
| Cost of funding earning assets | 1.1669% | 1,119 |
| Net interest margin | 3.4965% | 4,720 |
| Noninterest income to average assets | 0.2693% | 5,723 |
| Noninterest expense to average assets | 2.5051% | 5,136 |
| Loan and lease loss provision to assets | 0.1632% | 3,350 |
| Net operating income to assets | 0.5998% | 4,339 |
| Return on assets (ROA) | 0.5998% | 4,559 |
| Pretax return on assets | 0.9139% | 3,985 |
| Return on Equity (ROE) | 4.9072% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.5733% | 3,838 |
| Net charge-offs to loans | -0.0061% | 5,834 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9317% | 3,828 |
| Assets per employee ($millions) | 4.8734% | 2,425 |
| Cash dividends to net income (ytd only)* | 6.8027% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 6,593 |
| Loan loss allowance to noncurrent loans | 17.5084% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 3.3519% | 1,718 |
| Noncurrent loans to loans | 5.0094% | 1,117 |
| Net loans and leases to total assets | 66.3260% | 2,409 |
| Net loans and leases to deposits | 76.5984% | 2,712 |
| Net loans and leases to core deposits | 82.0183% | 2,832 |
| Total domestic deposits to total assets | 86.5893% | 3,179 |
| Equity capital to assets | 12.3765% | 1,803 |
| Core capital (leverage) ratio | 11.2956% | 2,034 |
| Tier 1 risk-based capital ratio | 15.4980% | 3,452 |
| Total risk-based capital ratio | 16.3096% | 3,680 |
| Memoranda: | ||
| Average total assets | $98,039,000 | 4,982 |
| Average earning assets | $92,893,000 | 4,881 |
| Average equity | $11,982,500 | 4,613 |
| Average total loans | $65,923,000 | 4,590 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9478% | 3,115 |
| Cost of funding earning assets | 1.3946% | 1,065 |
| Net interest margin | 3.5532% | 4,917 |
| Noninterest income to average assets | 0.3270% | 5,202 |
| Noninterest expense to average assets | 2.4991% | 5,467 |
| Loan and lease loss provision to assets | 0.4716% | 2,242 |
| Net operating income to assets | 0.4785% | 4,512 |
| Return on assets (ROA) | 0.4737% | 4,737 |
| Pretax return on assets | 0.7195% | 4,255 |
| Return on Equity (ROE) | 3.8606% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.6113% | 3,643 |
| Net charge-offs to loans | 0.6413% | 2,541 |
| Credit loss provision to net charge-offs | 104.1958% | 3,303 |
| Earnings coverage of net charge-offs (x) | 2.6480% | 3,891 |
| Efficiency ratio | 67.5892% | 4,445 |
| Assets per employee ($millions) | 4.6958% | 2,609 |
| Cash dividends to net income (ytd only)* | 6.4588% | 3,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 6,749 |
| Loan loss allowance to noncurrent loans | 16.2833% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 3.3069% | 1,799 |
| Noncurrent loans to loans | 4.8943% | 1,171 |
| Net loans and leases to total assets | 67.0280% | 2,581 |
| Net loans and leases to deposits | 77.0945% | 2,981 |
| Net loans and leases to core deposits | 81.8610% | 3,200 |
| Total domestic deposits to total assets | 86.9426% | 2,797 |
| Equity capital to assets | 12.0696% | 2,071 |
| Core capital (leverage) ratio | 11.3597% | 1,997 |
| Tier 1 risk-based capital ratio | 15.6149% | 3,259 |
| Total risk-based capital ratio | 16.3836% | 3,524 |
| Memoranda: | ||
| Average total assets | $94,792,800 | 5,054 |
| Average earning assets | $89,919,400 | 4,938 |
| Average equity | $11,630,200 | 4,630 |
| Average total loans | $66,896,800 | 4,601 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0278% | 2,950 |
| Cost of funding earning assets | 1.4446% | 1,040 |
| Net interest margin | 3.5832% | 4,841 |
| Noninterest income to average assets | 0.3140% | 5,354 |
| Noninterest expense to average assets | 2.5064% | 5,440 |
| Loan and lease loss provision to assets | 0.4504% | 2,216 |
| Net operating income to assets | 0.4981% | 4,562 |
| Return on assets (ROA) | 0.4916% | 4,766 |
| Pretax return on assets | 0.7516% | 4,306 |
| Return on Equity (ROE) | 3.9899% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.6555% | 4,152 |
| Net charge-offs to loans | 0.8442% | 1,884 |
| Credit loss provision to net charge-offs | 74.7642% | 4,330 |
| Earnings coverage of net charge-offs (x) | 2.0118% | 4,138 |
| Efficiency ratio | 67.4054% | 4,442 |
| Assets per employee ($millions) | 4.4380% | 3,020 |
| Cash dividends to net income (ytd only)* | 8.3825% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 7,092 |
| Loan loss allowance to noncurrent loans | 15.4431% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 2.8208% | 2,302 |
| Noncurrent loans to loans | 3.8364% | 1,749 |
| Net loans and leases to total assets | 73.0920% | 1,492 |
| Net loans and leases to deposits | 85.4568% | 1,764 |
| Net loans and leases to core deposits | 91.1171% | 2,105 |
| Total domestic deposits to total assets | 85.5310% | 3,472 |
| Equity capital to assets | 12.7737% | 1,742 |
| Core capital (leverage) ratio | 11.4962% | 2,028 |
| Tier 1 risk-based capital ratio | 15.6261% | 3,319 |
| Total risk-based capital ratio | 16.2199% | 3,651 |
| Memoranda: | ||
| Average total assets | $93,838,250 | 5,108 |
| Average earning assets | $89,155,250 | 4,984 |
| Average equity | $11,562,250 | 4,675 |
| Average total loans | $66,964,000 | 4,632 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0535% | 2,907 |
| Cost of funding earning assets | 1.4666% | 1,134 |
| Net interest margin | 3.5869% | 4,766 |
| Noninterest income to average assets | 0.3147% | 5,378 |
| Noninterest expense to average assets | 2.4923% | 5,572 |
| Loan and lease loss provision to assets | 0.1276% | 4,693 |
| Net operating income to assets | 0.6858% | 3,627 |
| Return on assets (ROA) | 0.6762% | 3,778 |
| Pretax return on assets | 1.0866% | 2,908 |
| Return on Equity (ROE) | 5.5556% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.3110% | 2,801 |
| Net charge-offs to loans | 0.4997% | 2,607 |
| Credit loss provision to net charge-offs | 36.1446% | 4,886 |
| Earnings coverage of net charge-offs (x) | 3.4819% | 3,154 |
| Efficiency ratio | 66.9714% | 4,704 |
| Assets per employee ($millions) | 4.6597% | 2,603 |
| Cash dividends to net income (ytd only)* | 4.4025% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6040% | 7,135 |
| Loan loss allowance to noncurrent loans | 24.9540% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 1.7501% | 3,574 |
| Noncurrent loans to loans | 2.4203% | 2,966 |
| Net loans and leases to total assets | 71.8737% | 1,810 |
| Net loans and leases to deposits | 83.8575% | 2,131 |
| Net loans and leases to core deposits | 84.4591% | 3,141 |
| Total domestic deposits to total assets | 85.7094% | 3,489 |
| Equity capital to assets | 12.6113% | 1,728 |
| Core capital (leverage) ratio | 11.5566% | 1,873 |
| Tier 1 risk-based capital ratio | 15.8149% | 3,074 |
| Total risk-based capital ratio | 16.4182% | 3,373 |
| Memoranda: | ||
| Average total assets | $94,051,330 | 5,138 |
| Average earning assets | $89,324,670 | 5,015 |
| Average equity | $11,448,000 | 4,699 |
| Average total loans | $66,443,000 | 4,708 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 3,532 |
| Cost of funding earning assets | 1.4899% | 1,205 |
| Net interest margin | 3.4228% | 5,333 |
| Noninterest income to average assets | 0.2964% | 5,545 |
| Noninterest expense to average assets | 2.4640% | 5,695 |
| Loan and lease loss provision to assets | 0.1270% | 4,407 |
| Net operating income to assets | 0.6097% | 3,986 |
| Return on assets (ROA) | 0.6097% | 4,052 |
| Pretax return on assets | 0.9441% | 3,342 |
| Return on Equity (ROE) | 5.0994% | 4,343 |
| Retained earnings to average equity (ytd only) | 4.6036% | 3,423 |
| Net charge-offs to loans | 0.0728% | 4,215 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 21.0833% | 1,093 |
| Efficiency ratio | 69.7006% | 4,334 |
| Assets per employee ($millions) | 4.4305% | 3,010 |
| Cash dividends to net income (ytd only)* | 9.7222% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 6,878 |
| Loan loss allowance to noncurrent loans | 23.5895% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 2.4194% | 2,812 |
| Noncurrent loans to loans | 3.4699% | 2,150 |
| Net loans and leases to total assets | 69.1541% | 2,297 |
| Net loans and leases to deposits | 79.6250% | 2,783 |
| Net loans and leases to core deposits | 80.1887% | 3,721 |
| Total domestic deposits to total assets | 86.8497% | 3,024 |
| Equity capital to assets | 12.1808% | 1,806 |
| Core capital (leverage) ratio | 11.2098% | 2,024 |
| Tier 1 risk-based capital ratio | 16.1986% | 2,812 |
| Total risk-based capital ratio | 17.0180% | 2,975 |
| Memoranda: | ||
| Average total assets | $94,480,000 | 5,155 |
| Average earning assets | $89,401,500 | 5,044 |
| Average equity | $11,295,500 | 4,720 |
| Average total loans | $65,970,000 | 4,769 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6199% | 1,819 |
| Cost of funding earning assets | 1.7911% | 1,204 |
| Net interest margin | 3.8287% | 3,824 |
| Noninterest income to average assets | 0.3523% | 5,286 |
| Noninterest expense to average assets | 2.4758% | 5,876 |
| Loan and lease loss provision to assets | 0.1289% | 5,875 |
| Net operating income to assets | 0.8723% | 2,496 |
| Return on assets (ROA) | 0.8723% | 2,638 |
| Pretax return on assets | 1.3557% | 1,779 |
| Return on Equity (ROE) | 7.1686% | 3,040 |
| Retained earnings to average equity (ytd only) | 6.9859% | 1,331 |
| Net charge-offs to loans | 0.1294% | 5,603 |
| Credit loss provision to net charge-offs | 134.8837% | 2,891 |
| Earnings coverage of net charge-offs (x) | 15.5349% | 1,274 |
| Efficiency ratio | 62.1493% | 5,703 |
| Assets per employee ($millions) | 4.5676% | 2,762 |
| Cash dividends to net income (ytd only)* | 2.5478% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 7,035 |
| Loan loss allowance to noncurrent loans | 40.4574% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3219% | 4,384 |
| Noncurrent loans to loans | 1.8906% | 3,697 |
| Net loans and leases to total assets | 69.3859% | 2,688 |
| Net loans and leases to deposits | 80.0036% | 3,178 |
| Net loans and leases to core deposits | 80.5351% | 4,128 |
| Total domestic deposits to total assets | 86.7285% | 2,959 |
| Equity capital to assets | 11.7369% | 2,096 |
| Core capital (leverage) ratio | 11.2139% | 2,004 |
| Tier 1 risk-based capital ratio | 15.3287% | 3,084 |
| Total risk-based capital ratio | 16.0872% | 3,307 |
| Memoranda: | ||
| Average total assets | $89,989,400 | 5,287 |
| Average earning assets | $84,806,200 | 5,187 |
| Average equity | $10,950,600 | 4,875 |
| Average total loans | $66,448,600 | 4,809 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7905% | 1,423 |
| Cost of funding earning assets | 1.8481% | 1,221 |
| Net interest margin | 3.9424% | 3,350 |
| Noninterest income to average assets | 0.3389% | 5,450 |
| Noninterest expense to average assets | 2.3982% | 6,042 |
| Loan and lease loss provision to assets | 0.0377% | 6,706 |
| Net operating income to assets | 1.0379% | 2,108 |
| Return on assets (ROA) | 1.0379% | 2,217 |
| Pretax return on assets | 1.6179% | 1,300 |
| Return on Equity (ROE) | 8.4482% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.2031% | 1,350 |
| Net charge-offs to loans | 0.0322% | 6,238 |
| Credit loss provision to net charge-offs | 156.2500% | 2,455 |
| Earnings coverage of net charge-offs (x) | 68.6967% | 440 |
| Efficiency ratio | 58.8257% | 6,140 |
| Assets per employee ($millions) | 4.4581% | 2,972 |
| Cash dividends to net income (ytd only)* | 2.9032% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 7,165 |
| Loan loss allowance to noncurrent loans | 32.9538% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 1.6745% | 3,939 |
| Noncurrent loans to loans | 2.1809% | 3,473 |
| Net loans and leases to total assets | 76.2275% | 1,362 |
| Net loans and leases to deposits | 90.7254% | 1,617 |
| Net loans and leases to core deposits | 91.3902% | 2,891 |
| Total domestic deposits to total assets | 84.0201% | 4,119 |
| Equity capital to assets | 12.7453% | 1,721 |
| Core capital (leverage) ratio | 11.6062% | 1,866 |
| Tier 1 risk-based capital ratio | 15.3938% | 3,047 |
| Total risk-based capital ratio | 16.1313% | 3,290 |
| Memoranda: | ||
| Average total assets | $88,506,750 | 5,399 |
| Average earning assets | $83,399,000 | 5,291 |
| Average equity | $10,873,750 | 4,956 |
| Average total loans | $66,293,750 | 4,889 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7298% | 1,657 |
| Cost of funding earning assets | 1.8626% | 1,366 |
| Net interest margin | 3.8672% | 3,603 |
| Noninterest income to average assets | 0.3579% | 5,283 |
| Noninterest expense to average assets | 2.3718% | 6,143 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0443% | 2,033 |
| Return on assets (ROA) | 1.0443% | 2,105 |
| Pretax return on assets | 1.6265% | 1,226 |
| Return on Equity (ROE) | 8.6085% | 2,617 |
| Retained earnings to average equity (ytd only) | 8.4218% | 1,287 |
| Net charge-offs to loans | 0.0336% | 5,881 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 65.2727% | 477 |
| Efficiency ratio | 58.9802% | 6,224 |
| Assets per employee ($millions) | 4.2449% | 3,312 |
| Cash dividends to net income (ytd only)* | 2.1692% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 7,237 |
| Loan loss allowance to noncurrent loans | 134.4729% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 6,458 |
| Noncurrent loans to loans | 0.5252% | 6,208 |
| Net loans and leases to total assets | 74.4408% | 1,819 |
| Net loans and leases to deposits | 89.6136% | 1,923 |
| Net loans and leases to core deposits | 90.6134% | 3,173 |
| Total domestic deposits to total assets | 83.0686% | 4,543 |
| Equity capital to assets | 12.3758% | 1,883 |
| Core capital (leverage) ratio | 11.4289% | 1,952 |
| Tier 1 risk-based capital ratio | 15.4101% | 2,946 |
| Total risk-based capital ratio | 16.1341% | 3,188 |
| Memoranda: | ||
| Average total assets | $88,288,330 | 5,443 |
| Average earning assets | $83,109,000 | 5,331 |
| Average equity | $10,710,330 | 5,000 |
| Average total loans | $65,572,330 | 4,956 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7160% | 1,716 |
| Cost of funding earning assets | 1.8778% | 1,542 |
| Net interest margin | 3.8382% | 3,630 |
| Noninterest income to average assets | 0.3597% | 5,263 |
| Noninterest expense to average assets | 2.4402% | 5,947 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9788% | 2,267 |
| Return on assets (ROA) | 0.9788% | 2,326 |
| Pretax return on assets | 1.5206% | 1,466 |
| Return on Equity (ROE) | 8.1520% | 2,803 |
| Retained earnings to average equity (ytd only) | 7.7729% | 1,805 |
| Net charge-offs to loans | 0.0739% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 918 |
| Efficiency ratio | 61.2644% | 5,951 |
| Assets per employee ($millions) | 4.1438% | 3,574 |
| Cash dividends to net income (ytd only)* | 4.6512% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 7,283 |
| Loan loss allowance to noncurrent loans | 92.5344% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 6,051 |
| Noncurrent loans to loans | 0.7923% | 5,734 |
| Net loans and leases to total assets | 73.2866% | 2,129 |
| Net loans and leases to deposits | 88.0954% | 2,208 |
| Net loans and leases to core deposits | 88.8217% | 3,517 |
| Total domestic deposits to total assets | 83.1901% | 4,528 |
| Equity capital to assets | 12.1960% | 1,936 |
| Core capital (leverage) ratio | 11.1285% | 2,144 |
| Tier 1 risk-based capital ratio | 15.4388% | 2,899 |
| Total risk-based capital ratio | 16.1810% | 3,101 |
| Memoranda: | ||
| Average total assets | $87,861,500 | 5,517 |
| Average earning assets | $82,435,000 | 5,420 |
| Average equity | $10,549,500 | 5,085 |
| Average total loans | $64,943,500 | 5,045 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0857% | 1,558 |
| Cost of funding earning assets | 2.2237% | 1,927 |
| Net interest margin | 3.8619% | 3,429 |
| Noninterest income to average assets | 0.4798% | 4,568 |
| Noninterest expense to average assets | 2.5363% | 6,004 |
| Loan and lease loss provision to assets | 0.2778% | 5,195 |
| Net operating income to assets | 0.8454% | 2,368 |
| Return on assets (ROA) | 0.8454% | 2,452 |
| Pretax return on assets | 1.3145% | 1,657 |
| Return on Equity (ROE) | 6.9516% | 2,806 |
| Retained earnings to average equity (ytd only) | 6.7044% | 1,068 |
| Net charge-offs to loans | 0.2315% | 5,165 |
| Credit loss provision to net charge-offs | 158.2192% | 2,840 |
| Earnings coverage of net charge-offs (x) | 9.0685% | 1,848 |
| Efficiency ratio | 60.9962% | 6,331 |
| Assets per employee ($millions) | 4.2240% | 3,390 |
| Cash dividends to net income (ytd only)* | 3.5562% | 3,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 7,296 |
| Loan loss allowance to noncurrent loans | 209.0909% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 6,797 |
| Noncurrent loans to loans | 0.3519% | 6,571 |
| Net loans and leases to total assets | 73.4575% | 2,393 |
| Net loans and leases to deposits | 89.0467% | 2,379 |
| Net loans and leases to core deposits | 111.2802% | 2,760 |
| Total domestic deposits to total assets | 82.4933% | 4,746 |
| Equity capital to assets | 11.8215% | 2,127 |
| Core capital (leverage) ratio | 11.1303% | 2,151 |
| Tier 1 risk-based capital ratio | 14.9106% | 2,993 |
| Total risk-based capital ratio | 15.6616% | 3,207 |
| Memoranda: | ||
| Average total assets | $83,151,200 | 5,626 |
| Average earning assets | $78,561,400 | 5,507 |
| Average equity | $10,112,800 | 5,268 |
| Average total loans | $63,066,200 | 5,132 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1213% | 1,574 |
| Cost of funding earning assets | 2.2950% | 2,001 |
| Net interest margin | 3.8262% | 3,547 |
| Noninterest income to average assets | 0.4745% | 4,713 |
| Noninterest expense to average assets | 2.5569% | 5,868 |
| Loan and lease loss provision to assets | 0.2625% | 4,860 |
| Net operating income to assets | 0.8251% | 2,709 |
| Return on assets (ROA) | 0.8251% | 2,769 |
| Pretax return on assets | 1.2817% | 2,003 |
| Return on Equity (ROE) | 6.7334% | 3,196 |
| Retained earnings to average equity (ytd only) | 6.4007% | 1,766 |
| Net charge-offs to loans | -0.0598% | 7,873 |
| Credit loss provision to net charge-offs | -575.0000% | 7,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9085% | 6,130 |
| Assets per employee ($millions) | 3.9730% | 3,784 |
| Cash dividends to net income (ytd only)* | 4.9403% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 6,766 |
| Loan loss allowance to noncurrent loans | 124.3644% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 6,040 |
| Noncurrent loans to loans | 0.7210% | 5,867 |
| Net loans and leases to total assets | 77.7633% | 1,618 |
| Net loans and leases to deposits | 94.9288% | 1,724 |
| Net loans and leases to core deposits | 118.1115% | 2,402 |
| Total domestic deposits to total assets | 81.9174% | 4,705 |
| Equity capital to assets | 12.3343% | 2,046 |
| Core capital (leverage) ratio | 11.4638% | 2,093 |
| Tier 1 risk-based capital ratio | 14.6846% | 3,185 |
| Total risk-based capital ratio | 15.6029% | 3,296 |
| Memoranda: | ||
| Average total assets | $81,763,250 | 5,702 |
| Average earning assets | $77,498,500 | 5,573 |
| Average equity | $10,019,500 | 5,330 |
| Average total loans | $62,422,250 | 5,191 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0801% | 1,853 |
| Cost of funding earning assets | 2.3459% | 2,181 |
| Net interest margin | 3.7342% | 3,810 |
| Noninterest income to average assets | 0.5369% | 4,134 |
| Noninterest expense to average assets | 2.4998% | 6,126 |
| Loan and lease loss provision to assets | 0.0616% | 6,602 |
| Net operating income to assets | 0.9753% | 2,193 |
| Return on assets (ROA) | 0.9753% | 2,288 |
| Pretax return on assets | 1.5196% | 1,391 |
| Return on Equity (ROE) | 7.9766% | 2,777 |
| Retained earnings to average equity (ytd only) | 7.6745% | 1,326 |
| Net charge-offs to loans | -0.0912% | 7,939 |
| Credit loss provision to net charge-offs | -89.2857% | 6,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8328% | 6,422 |
| Assets per employee ($millions) | 3.8326% | 4,019 |
| Cash dividends to net income (ytd only)* | 3.7879% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7152% | 7,383 |
| Loan loss allowance to noncurrent loans | 1,326.4706% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 7,498 |
| Noncurrent loans to loans | 0.0539% | 7,400 |
| Net loans and leases to total assets | 77.7856% | 1,800 |
| Net loans and leases to deposits | 90.6058% | 2,733 |
| Net loans and leases to core deposits | 112.4594% | 3,080 |
| Total domestic deposits to total assets | 85.8506% | 2,865 |
| Equity capital to assets | 12.4882% | 1,928 |
| Core capital (leverage) ratio | 11.5477% | 2,062 |
| Tier 1 risk-based capital ratio | 15.1383% | 2,965 |
| Total risk-based capital ratio | 15.8737% | 3,124 |
| Memoranda: | ||
| Average total assets | $81,206,330 | 5,754 |
| Average earning assets | $77,071,000 | 5,630 |
| Average equity | $9,929,000 | 5,374 |
| Average total loans | $61,407,000 | 5,272 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 2,152 |
| Cost of funding earning assets | 2.3972% | 2,305 |
| Net interest margin | 3.6527% | 4,087 |
| Noninterest income to average assets | 0.4463% | 4,816 |
| Noninterest expense to average assets | 2.5549% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8680% | 2,850 |
| Return on assets (ROA) | 0.8680% | 2,994 |
| Pretax return on assets | 1.3584% | 2,092 |
| Return on Equity (ROE) | 7.1747% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.5667% | 2,391 |
| Net charge-offs to loans | 0.0462% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 39.5714% | 860 |
| Efficiency ratio | 64.7870% | 5,549 |
| Assets per employee ($millions) | 3.8859% | 3,908 |
| Cash dividends to net income (ytd only)* | 8.4746% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6423% | 7,582 |
| Loan loss allowance to noncurrent loans | 230.0000% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 6,896 |
| Noncurrent loans to loans | 0.2792% | 6,739 |
| Net loans and leases to total assets | 74.1238% | 2,719 |
| Net loans and leases to deposits | 86.5128% | 3,548 |
| Net loans and leases to core deposits | 107.4254% | 3,751 |
| Total domestic deposits to total assets | 85.6796% | 2,880 |
| Equity capital to assets | 12.1011% | 2,201 |
| Core capital (leverage) ratio | 11.2999% | 2,279 |
| Tier 1 risk-based capital ratio | 14.9811% | 3,076 |
| Total risk-based capital ratio | 15.6277% | 3,298 |
| Memoranda: | ||
| Average total assets | $81,567,500 | 5,768 |
| Average earning assets | $77,423,000 | 5,641 |
| Average equity | $9,868,000 | 5,426 |
| Average total loans | $60,582,500 | 5,342 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7387% | 1,906 |
| Cost of funding earning assets | 2.8703% | 2,391 |
| Net interest margin | 3.8683% | 3,713 |
| Noninterest income to average assets | 0.3895% | 5,565 |
| Noninterest expense to average assets | 2.4533% | 6,191 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0104% | 2,510 |
| Return on assets (ROA) | 1.0104% | 2,394 |
| Pretax return on assets | 1.5732% | 1,466 |
| Return on Equity (ROE) | 8.7916% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.4945% | 706 |
| Net charge-offs to loans | 0.0808% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 25.3878% | 1,334 |
| Efficiency ratio | 59.9874% | 6,340 |
| Assets per employee ($millions) | 3.8824% | 3,777 |
| Cash dividends to net income (ytd only)* | 3.3792% | 4,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 7,527 |
| Loan loss allowance to noncurrent loans | 89.2377% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 5,537 |
| Noncurrent loans to loans | 0.7398% | 5,180 |
| Net loans and leases to total assets | 73.4543% | 3,249 |
| Net loans and leases to deposits | 87.0200% | 3,944 |
| Net loans and leases to core deposits | 107.3050% | 4,043 |
| Total domestic deposits to total assets | 84.4108% | 3,123 |
| Equity capital to assets | 12.0948% | 2,232 |
| Core capital (leverage) ratio | 11.1978% | 2,431 |
| Tier 1 risk-based capital ratio | 14.9674% | 3,063 |
| Total risk-based capital ratio | 15.6371% | 3,267 |
| Memoranda: | ||
| Average total assets | $79,076,000 | 5,730 |
| Average earning assets | $74,347,200 | 5,649 |
| Average equity | $9,088,200 | 5,710 |
| Average total loans | $60,673,600 | 5,234 |