Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 2,334 |
| Cost of funding earning assets | 1.4446% | 2,094 |
| Net interest margin | 3.4295% | 2,343 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.8878% | 3,855 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1918% | 1,667 |
| Return on assets (ROA) | 1.2035% | 1,617 |
| Pretax return on assets | 1.4638% | 1,500 |
| Return on Equity (ROE) | 10.9300% | 2,246 |
| Retained earnings to average equity (ytd only) | 5.7427% | 2,342 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.4729% | 3,643 |
| Assets per employee ($millions) | 9.9237% | 720 |
| Cash dividends to net income (ytd only)* | 47.4496% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 2,777 |
| Loan loss allowance to noncurrent loans | 337.6984% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 2,064 |
| Noncurrent loans to loans | 0.3291% | 2,006 |
| Net loans and leases to total assets | 69.3700% | 1,883 |
| Net loans and leases to deposits | 81.3616% | 2,002 |
| Net loans and leases to core deposits | 102.3423% | 1,314 |
| Total domestic deposits to total assets | 85.2600% | 2,225 |
| Equity capital to assets | 11.1061% | 1,427 |
| Core capital (leverage) ratio | 9.7154% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8575% | 2,288 |
| Memoranda: | ||
| Average total assets | $210,137,000 | 2,913 |
| Average earning assets | $191,339,000 | 2,934 |
| Average equity | $23,142,400 | 2,620 |
| Average total loans | $143,309,000 | 2,733 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7377% | 2,398 |
| Cost of funding earning assets | 1.2403% | 2,301 |
| Net interest margin | 3.4974% | 2,214 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.9453% | 3,725 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2128% | 1,763 |
| Return on assets (ROA) | 1.2212% | 1,725 |
| Pretax return on assets | 1.4865% | 1,585 |
| Return on Equity (ROE) | 11.1100% | 2,346 |
| Retained earnings to average equity (ytd only) | 5.8658% | 2,670 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.9124% | 3,499 |
| Assets per employee ($millions) | 9.3037% | 831 |
| Cash dividends to net income (ytd only)* | 47.2193% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 2,828 |
| Loan loss allowance to noncurrent loans | 314.4213% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 2,023 |
| Noncurrent loans to loans | 0.3522% | 1,962 |
| Net loans and leases to total assets | 69.1600% | 1,925 |
| Net loans and leases to deposits | 82.9233% | 1,832 |
| Net loans and leases to core deposits | 101.4958% | 1,239 |
| Total domestic deposits to total assets | 83.4000% | 2,927 |
| Equity capital to assets | 10.7307% | 1,462 |
| Core capital (leverage) ratio | 9.7429% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8955% | 2,300 |
| Memoranda: | ||
| Average total assets | $208,091,000 | 2,939 |
| Average earning assets | $190,157,250 | 2,950 |
| Average equity | $22,866,250 | 2,632 |
| Average total loans | $140,850,750 | 2,769 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 2,421 |
| Cost of funding earning assets | 1.0225% | 2,523 |
| Net interest margin | 3.5752% | 2,088 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.0027% | 3,592 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2361% | 1,730 |
| Return on assets (ROA) | 1.2449% | 1,706 |
| Pretax return on assets | 1.5156% | 1,565 |
| Return on Equity (ROE) | 11.2400% | 2,365 |
| Retained earnings to average equity (ytd only) | 5.9822% | 2,629 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.5830% | 3,471 |
| Assets per employee ($millions) | 9.0604% | 894 |
| Cash dividends to net income (ytd only)* | 46.7654% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 2,763 |
| Loan loss allowance to noncurrent loans | 293.9450% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 1,894 |
| Noncurrent loans to loans | 0.3871% | 1,765 |
| Net loans and leases to total assets | 66.7900% | 2,081 |
| Net loans and leases to deposits | 79.7829% | 2,002 |
| Net loans and leases to core deposits | 91.5404% | 1,712 |
| Total domestic deposits to total assets | 83.7200% | 2,887 |
| Equity capital to assets | 11.0591% | 1,371 |
| Core capital (leverage) ratio | 9.7072% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2359% | 2,205 |
| Memoranda: | ||
| Average total assets | $206,126,333 | 2,958 |
| Average earning assets | $187,961,667 | 2,974 |
| Average equity | $22,834,333 | 2,636 |
| Average total loans | $137,917,333 | 2,792 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 2,410 |
| Cost of funding earning assets | 0.9014% | 2,368 |
| Net interest margin | 3.5562% | 2,229 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.9610% | 3,710 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2415% | 1,820 |
| Return on assets (ROA) | 1.2527% | 1,763 |
| Pretax return on assets | 1.5259% | 1,610 |
| Return on Equity (ROE) | 11.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 6.0189% | 2,755 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.6260% | 3,542 |
| Assets per employee ($millions) | 8.9111% | 969 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 2,732 |
| Loan loss allowance to noncurrent loans | 273.4589% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 1,734 |
| Noncurrent loans to loans | 0.4266% | 1,654 |
| Net loans and leases to total assets | 66.0100% | 2,058 |
| Net loans and leases to deposits | 76.0224% | 2,113 |
| Net loans and leases to core deposits | 83.5555% | 2,017 |
| Total domestic deposits to total assets | 86.8300% | 2,328 |
| Equity capital to assets | 11.2502% | 1,247 |
| Core capital (leverage) ratio | 9.7485% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4454% | 2,200 |
| Memoranda: | ||
| Average total assets | $204,994,500 | 3,003 |
| Average earning assets | $186,826,500 | 3,017 |
| Average equity | $22,728,500 | 2,665 |
| Average total loans | $136,480,000 | 2,833 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 2,512 |
| Cost of funding earning assets | 0.4536% | 1,697 |
| Net interest margin | 3.2503% | 2,701 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.7476% | 4,092 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2429% | 1,619 |
| Return on assets (ROA) | 1.2408% | 1,579 |
| Pretax return on assets | 1.5360% | 1,340 |
| Return on Equity (ROE) | 10.5700% | 2,622 |
| Retained earnings to average equity (ytd only) | 5.2272% | 2,953 |
| Net charge-offs to loans | -0.0015% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.9002% | 3,896 |
| Assets per employee ($millions) | 9.3197% | 824 |
| Cash dividends to net income (ytd only)* | 50.5263% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 2,617 |
| Loan loss allowance to noncurrent loans | 191.4738% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 1,281 |
| Noncurrent loans to loans | 0.6033% | 1,240 |
| Net loans and leases to total assets | 65.6000% | 2,078 |
| Net loans and leases to deposits | 80.5335% | 1,735 |
| Net loans and leases to core deposits | 90.8792% | 1,461 |
| Total domestic deposits to total assets | 81.4600% | 3,699 |
| Equity capital to assets | 10.9246% | 1,291 |
| Core capital (leverage) ratio | 9.5942% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2148% | 2,281 |
| Memoranda: | ||
| Average total assets | $191,410,200 | 3,093 |
| Average earning assets | $177,027,800 | 3,087 |
| Average equity | $22,478,600 | 2,736 |
| Average total loans | $131,018,400 | 2,818 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5305% | 2,521 |
| Cost of funding earning assets | 0.3300% | 1,864 |
| Net interest margin | 3.2005% | 2,619 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.6538% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3064% | 1,330 |
| Return on assets (ROA) | 1.3006% | 1,314 |
| Pretax return on assets | 1.6070% | 1,103 |
| Return on Equity (ROE) | 10.8700% | 2,434 |
| Retained earnings to average equity (ytd only) | 5.5350% | 2,914 |
| Net charge-offs to loans | -0.0010% | 3,183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.5528% | 4,123 |
| Assets per employee ($millions) | 10.1485% | 625 |
| Cash dividends to net income (ytd only)* | 49.0731% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,876 |
| Loan loss allowance to noncurrent loans | 180.3013% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 1,206 |
| Noncurrent loans to loans | 0.6276% | 1,295 |
| Net loans and leases to total assets | 70.5100% | 1,440 |
| Net loans and leases to deposits | 84.4798% | 1,268 |
| Net loans and leases to core deposits | 97.9227% | 901 |
| Total domestic deposits to total assets | 83.4600% | 3,614 |
| Equity capital to assets | 11.4915% | 1,017 |
| Core capital (leverage) ratio | 10.9965% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1122% | 2,011 |
| Memoranda: | ||
| Average total assets | $188,004,500 | 3,141 |
| Average earning assets | $174,926,750 | 3,133 |
| Average equity | $22,498,500 | 2,775 |
| Average total loans | $129,754,250 | 2,829 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3499% | 2,573 |
| Cost of funding earning assets | 0.2633% | 2,109 |
| Net interest margin | 3.0866% | 2,576 |
| Noninterest income to average assets | 0.2886% | 3,445 |
| Noninterest expense to average assets | 1.5397% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2896% | 1,165 |
| Return on assets (ROA) | 1.2811% | 1,176 |
| Pretax return on assets | 1.6180% | 905 |
| Return on Equity (ROE) | 10.5608% | 2,147 |
| Retained earnings to average equity (ytd only) | 5.2538% | 2,610 |
| Net charge-offs to loans | -0.0016% | 3,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5946% | 4,327 |
| Assets per employee ($millions) | 10.0801% | 639 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 2,593 |
| Loan loss allowance to noncurrent loans | 176.2500% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 1,229 |
| Noncurrent loans to loans | 0.6918% | 1,248 |
| Net loans and leases to total assets | 65.6102% | 1,743 |
| Net loans and leases to deposits | 76.5964% | 1,641 |
| Net loans and leases to core deposits | 84.8983% | 1,401 |
| Total domestic deposits to total assets | 85.6570% | 3,337 |
| Equity capital to assets | 11.6838% | 968 |
| Core capital (leverage) ratio | 10.8573% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8109% | 1,758 |
| Memoranda: | ||
| Average total assets | $186,399,000 | 3,188 |
| Average earning assets | $173,915,000 | 3,180 |
| Average equity | $22,612,000 | 2,845 |
| Average total loans | $127,170,333 | 2,873 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2751% | 2,460 |
| Cost of funding earning assets | 0.2553% | 2,099 |
| Net interest margin | 3.0198% | 2,438 |
| Noninterest income to average assets | 0.2720% | 3,506 |
| Noninterest expense to average assets | 1.5862% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2010% | 1,245 |
| Return on assets (ROA) | 1.1924% | 1,260 |
| Pretax return on assets | 1.5057% | 1,007 |
| Return on Equity (ROE) | 9.6439% | 2,104 |
| Retained earnings to average equity (ytd only) | 4.3644% | 2,813 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1220% | 4,247 |
| Assets per employee ($millions) | 8.7976% | 984 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,564 |
| Loan loss allowance to noncurrent loans | 151.9608% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 1,138 |
| Noncurrent loans to loans | 0.8270% | 1,137 |
| Net loans and leases to total assets | 62.9253% | 1,750 |
| Net loans and leases to deposits | 72.7734% | 1,718 |
| Net loans and leases to core deposits | 77.8868% | 1,623 |
| Total domestic deposits to total assets | 86.4674% | 3,114 |
| Equity capital to assets | 11.6101% | 1,088 |
| Core capital (leverage) ratio | 11.0211% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9187% | 1,826 |
| Memoranda: | ||
| Average total assets | $183,837,500 | 3,215 |
| Average earning assets | $172,329,500 | 3,208 |
| Average equity | $22,729,500 | 2,928 |
| Average total loans | $127,151,000 | 2,879 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 1,075 |
| Cost of funding earning assets | 0.3274% | 2,138 |
| Net interest margin | 3.8256% | 956 |
| Noninterest income to average assets | 0.2886% | 3,664 |
| Noninterest expense to average assets | 1.8579% | 4,036 |
| Loan and lease loss provision to assets | 0.0207% | 2,653 |
| Net operating income to assets | 1.5682% | 880 |
| Return on assets (ROA) | 1.5775% | 896 |
| Pretax return on assets | 1.9951% | 604 |
| Return on Equity (ROE) | 11.8658% | 1,863 |
| Retained earnings to average equity (ytd only) | 6.9718% | 1,927 |
| Net charge-offs to loans | -0.0016% | 3,331 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0778% | 4,398 |
| Assets per employee ($millions) | 7.9149% | 1,376 |
| Cash dividends to net income (ytd only)* | 41.2448% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,959 |
| Loan loss allowance to noncurrent loans | 119.3226% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 825 |
| Noncurrent loans to loans | 0.9919% | 1,003 |
| Net loans and leases to total assets | 74.3200% | 639 |
| Net loans and leases to deposits | 87.8555% | 661 |
| Net loans and leases to core deposits | 96.1599% | 684 |
| Total domestic deposits to total assets | 84.5935% | 3,393 |
| Equity capital to assets | 13.2018% | 847 |
| Core capital (leverage) ratio | 11.7430% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8439% | 1,910 |
| Memoranda: | ||
| Average total assets | $169,063,200 | 3,309 |
| Average earning assets | $157,908,000 | 3,300 |
| Average equity | $22,476,400 | 3,019 |
| Average total loans | $128,004,000 | 2,876 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 924 |
| Cost of funding earning assets | 0.3385% | 2,215 |
| Net interest margin | 3.9833% | 818 |
| Noninterest income to average assets | 0.2678% | 3,805 |
| Noninterest expense to average assets | 1.8546% | 4,046 |
| Loan and lease loss provision to assets | 0.0161% | 2,682 |
| Net operating income to assets | 1.6764% | 872 |
| Return on assets (ROA) | 1.6845% | 903 |
| Pretax return on assets | 2.1295% | 644 |
| Return on Equity (ROE) | 12.6478% | 1,818 |
| Retained earnings to average equity (ytd only) | 9.0682% | 1,666 |
| Net charge-offs to loans | -0.0021% | 3,227 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4848% | 4,473 |
| Assets per employee ($millions) | 8.1508% | 1,205 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,236 |
| Loan loss allowance to noncurrent loans | 145.0851% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 1,226 |
| Noncurrent loans to loans | 0.7881% | 1,433 |
| Net loans and leases to total assets | 77.5336% | 429 |
| Net loans and leases to deposits | 92.5590% | 466 |
| Net loans and leases to core deposits | 104.3374% | 447 |
| Total domestic deposits to total assets | 83.7667% | 3,518 |
| Equity capital to assets | 13.4465% | 870 |
| Core capital (leverage) ratio | 12.0752% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6511% | 2,108 |
| Memoranda: | ||
| Average total assets | $167,797,000 | 3,355 |
| Average earning assets | $156,784,250 | 3,343 |
| Average equity | $22,348,500 | 3,063 |
| Average total loans | $127,264,500 | 2,922 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 2,094 |
| Cost of funding earning assets | 0.3533% | 2,287 |
| Net interest margin | 3.4383% | 2,040 |
| Noninterest income to average assets | 0.2952% | 3,659 |
| Noninterest expense to average assets | 1.9007% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2714% | 1,948 |
| Return on assets (ROA) | 1.2827% | 1,991 |
| Pretax return on assets | 1.6199% | 1,681 |
| Return on Equity (ROE) | 9.6628% | 2,882 |
| Retained earnings to average equity (ytd only) | 6.9511% | 2,451 |
| Net charge-offs to loans | -0.0016% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1410% | 3,779 |
| Assets per employee ($millions) | 7.2458% | 1,635 |
| Cash dividends to net income (ytd only)* | 28.0636% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 3,069 |
| Loan loss allowance to noncurrent loans | 143.2356% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 1,308 |
| Noncurrent loans to loans | 0.8208% | 1,499 |
| Net loans and leases to total assets | 76.3588% | 558 |
| Net loans and leases to deposits | 90.7163% | 603 |
| Net loans and leases to core deposits | 97.7096% | 733 |
| Total domestic deposits to total assets | 84.1732% | 3,372 |
| Equity capital to assets | 13.3582% | 854 |
| Core capital (leverage) ratio | 11.6441% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2646% | 1,880 |
| Memoranda: | ||
| Average total assets | $166,673,667 | 3,370 |
| Average earning assets | $155,658,333 | 3,360 |
| Average equity | $22,126,000 | 3,077 |
| Average total loans | $124,937,000 | 2,958 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 2,355 |
| Cost of funding earning assets | 0.3715% | 2,343 |
| Net interest margin | 3.3302% | 2,299 |
| Noninterest income to average assets | 0.3120% | 3,540 |
| Noninterest expense to average assets | 1.9438% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1636% | 2,285 |
| Return on assets (ROA) | 1.1807% | 2,298 |
| Pretax return on assets | 1.4878% | 2,032 |
| Return on Equity (ROE) | 8.9219% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.9219% | 1,972 |
| Net charge-offs to loans | -0.0033% | 3,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8614% | 3,444 |
| Assets per employee ($millions) | 7.6103% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,890 |
| Loan loss allowance to noncurrent loans | 130.0687% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 1,350 |
| Noncurrent loans to loans | 0.9285% | 1,456 |
| Net loans and leases to total assets | 73.9706% | 817 |
| Net loans and leases to deposits | 87.7407% | 848 |
| Net loans and leases to core deposits | 94.2174% | 966 |
| Total domestic deposits to total assets | 84.3059% | 3,338 |
| Equity capital to assets | 13.1330% | 877 |
| Core capital (leverage) ratio | 11.6039% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9085% | 1,926 |
| Memoranda: | ||
| Average total assets | $166,683,500 | 3,371 |
| Average earning assets | $155,067,500 | 3,363 |
| Average equity | $22,058,000 | 3,072 |
| Average total loans | $123,021,000 | 2,986 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 983 |
| Cost of funding earning assets | 0.5529% | 2,593 |
| Net interest margin | 4.1010% | 782 |
| Noninterest income to average assets | 0.8484% | 1,401 |
| Noninterest expense to average assets | 2.2929% | 3,420 |
| Loan and lease loss provision to assets | 0.0535% | 3,701 |
| Net operating income to assets | 1.7916% | 396 |
| Return on assets (ROA) | 1.7890% | 430 |
| Pretax return on assets | 2.2555% | 275 |
| Return on Equity (ROE) | 13.0559% | 1,030 |
| Retained earnings to average equity (ytd only) | 8.5831% | 884 |
| Net charge-offs to loans | 0.0256% | 2,525 |
| Credit loss provision to net charge-offs | 267.7419% | 1,853 |
| Earnings coverage of net charge-offs (x) | 115.6129% | 722 |
| Efficiency ratio | 49.4536% | 4,567 |
| Assets per employee ($millions) | 7.9020% | 1,073 |
| Cash dividends to net income (ytd only)* | 34.2589% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 2,657 |
| Loan loss allowance to noncurrent loans | 148.0431% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 1,712 |
| Noncurrent loans to loans | 0.8469% | 1,664 |
| Net loans and leases to total assets | 71.8141% | 1,311 |
| Net loans and leases to deposits | 85.6364% | 1,278 |
| Net loans and leases to core deposits | 97.9420% | 1,012 |
| Total domestic deposits to total assets | 83.8593% | 3,154 |
| Equity capital to assets | 13.3349% | 987 |
| Core capital (leverage) ratio | 11.5763% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9758% | 1,858 |
| Memoranda: | ||
| Average total assets | $154,998,800 | 3,338 |
| Average earning assets | $141,989,800 | 3,358 |
| Average equity | $21,239,400 | 3,076 |
| Average total loans | $121,016,800 | 2,968 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 961 |
| Cost of funding earning assets | 0.5888% | 2,682 |
| Net interest margin | 4.1641% | 784 |
| Noninterest income to average assets | 0.6813% | 1,853 |
| Noninterest expense to average assets | 2.2741% | 3,487 |
| Loan and lease loss provision to assets | 0.0479% | 3,762 |
| Net operating income to assets | 1.6947% | 578 |
| Return on assets (ROA) | 1.6891% | 653 |
| Pretax return on assets | 2.1602% | 367 |
| Return on Equity (ROE) | 12.2373% | 1,311 |
| Retained earnings to average equity (ytd only) | 9.6997% | 830 |
| Net charge-offs to loans | 0.0308% | 2,215 |
| Credit loss provision to net charge-offs | 196.4286% | 2,130 |
| Earnings coverage of net charge-offs (x) | 90.3571% | 847 |
| Efficiency ratio | 50.3023% | 4,469 |
| Assets per employee ($millions) | 7.3248% | 1,315 |
| Cash dividends to net income (ytd only)* | 20.7361% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,686 |
| Loan loss allowance to noncurrent loans | 327.0330% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,036 |
| Noncurrent loans to loans | 0.3658% | 2,974 |
| Net loans and leases to total assets | 76.2631% | 1,060 |
| Net loans and leases to deposits | 92.3564% | 1,045 |
| Net loans and leases to core deposits | 104.7662% | 892 |
| Total domestic deposits to total assets | 82.5748% | 3,259 |
| Equity capital to assets | 13.5461% | 986 |
| Core capital (leverage) ratio | 12.0194% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3622% | 2,046 |
| Memoranda: | ||
| Average total assets | $152,263,250 | 3,358 |
| Average earning assets | $139,251,500 | 3,379 |
| Average equity | $21,017,250 | 3,091 |
| Average total loans | $121,100,500 | 2,980 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 1,096 |
| Cost of funding earning assets | 0.6341% | 2,790 |
| Net interest margin | 4.1970% | 927 |
| Noninterest income to average assets | 0.5452% | 2,374 |
| Noninterest expense to average assets | 2.2692% | 3,602 |
| Loan and lease loss provision to assets | 0.0335% | 3,846 |
| Net operating income to assets | 1.6307% | 713 |
| Return on assets (ROA) | 1.6222% | 797 |
| Pretax return on assets | 2.0978% | 444 |
| Return on Equity (ROE) | 11.6742% | 1,425 |
| Retained earnings to average equity (ytd only) | 7.8181% | 1,365 |
| Net charge-offs to loans | 0.0483% | 1,793 |
| Credit loss provision to net charge-offs | 86.2069% | 2,480 |
| Earnings coverage of net charge-offs (x) | 55.1379% | 1,027 |
| Efficiency ratio | 51.0780% | 4,431 |
| Assets per employee ($millions) | 6.6553% | 1,673 |
| Cash dividends to net income (ytd only)* | 33.0306% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,638 |
| Loan loss allowance to noncurrent loans | 1,457.0000% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,204 |
| Noncurrent loans to loans | 0.0806% | 4,136 |
| Net loans and leases to total assets | 80.0544% | 590 |
| Net loans and leases to deposits | 98.8337% | 616 |
| Net loans and leases to core deposits | 111.8443% | 671 |
| Total domestic deposits to total assets | 80.9990% | 3,607 |
| Equity capital to assets | 13.7929% | 899 |
| Core capital (leverage) ratio | 11.7808% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0909% | 2,140 |
| Memoranda: | ||
| Average total assets | $149,302,333 | 3,370 |
| Average earning assets | $137,527,000 | 3,382 |
| Average equity | $20,746,667 | 3,106 |
| Average total loans | $120,006,333 | 2,983 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 1,215 |
| Cost of funding earning assets | 0.7078% | 2,903 |
| Net interest margin | 4.1817% | 959 |
| Noninterest income to average assets | 0.5481% | 2,292 |
| Noninterest expense to average assets | 2.3281% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6402% | 575 |
| Return on assets (ROA) | 1.6145% | 671 |
| Pretax return on assets | 2.0350% | 421 |
| Return on Equity (ROE) | 11.5739% | 1,235 |
| Retained earnings to average equity (ytd only) | 11.5739% | 474 |
| Net charge-offs to loans | -0.0034% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5926% | 4,505 |
| Assets per employee ($millions) | 6.6547% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,456 |
| Loan loss allowance to noncurrent loans | 4,873.3333% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,528 |
| Noncurrent loans to loans | 0.0254% | 4,466 |
| Net loans and leases to total assets | 79.5812% | 748 |
| Net loans and leases to deposits | 98.3697% | 671 |
| Net loans and leases to core deposits | 112.2479% | 744 |
| Total domestic deposits to total assets | 80.9001% | 3,688 |
| Equity capital to assets | 14.2530% | 985 |
| Core capital (leverage) ratio | 12.1392% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4200% | 2,105 |
| Memoranda: | ||
| Average total assets | $147,418,000 | 3,360 |
| Average earning assets | $135,639,500 | 3,375 |
| Average equity | $20,563,500 | 3,114 |
| Average total loans | $118,011,000 | 2,977 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 1,431 |
| Cost of funding earning assets | 0.8724% | 2,321 |
| Net interest margin | 4.1453% | 1,438 |
| Noninterest income to average assets | 0.8077% | 1,427 |
| Noninterest expense to average assets | 2.4604% | 3,551 |
| Loan and lease loss provision to assets | 0.0895% | 2,229 |
| Net operating income to assets | 1.6486% | 740 |
| Return on assets (ROA) | 1.6540% | 783 |
| Pretax return on assets | 2.0864% | 493 |
| Return on Equity (ROE) | 12.3887% | 1,368 |
| Retained earnings to average equity (ytd only) | 8.9331% | 725 |
| Net charge-offs to loans | 0.0243% | 2,920 |
| Credit loss provision to net charge-offs | 464.2857% | 623 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 615 |
| Efficiency ratio | 52.7889% | 4,543 |
| Assets per employee ($millions) | 6.7469% | 1,153 |
| Cash dividends to net income (ytd only)* | 27.8934% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,241 |
| Loan loss allowance to noncurrent loans | 11,238.4615% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 4,631 |
| Noncurrent loans to loans | 0.0110% | 4,545 |
| Net loans and leases to total assets | 78.5471% | 996 |
| Net loans and leases to deposits | 101.3201% | 511 |
| Net loans and leases to core deposits | 113.5327% | 692 |
| Total domestic deposits to total assets | 77.5237% | 4,430 |
| Equity capital to assets | 13.6493% | 1,224 |
| Core capital (leverage) ratio | 11.8333% | 1,875 |
| Tier 1 risk-based capital ratio | 12.6324% | 3,989 |
| Total risk-based capital ratio | 13.7543% | 3,950 |
| Memoranda: | ||
| Average total assets | $145,223,200 | 3,364 |
| Average earning assets | $133,886,400 | 3,369 |
| Average equity | $19,388,600 | 3,180 |
| Average total loans | $115,335,800 | 2,999 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 1,493 |
| Cost of funding earning assets | 0.8861% | 2,292 |
| Net interest margin | 4.1290% | 1,553 |
| Noninterest income to average assets | 0.7072% | 1,751 |
| Noninterest expense to average assets | 2.4142% | 3,642 |
| Loan and lease loss provision to assets | 0.0877% | 2,161 |
| Net operating income to assets | 1.6019% | 930 |
| Return on assets (ROA) | 1.6091% | 948 |
| Pretax return on assets | 2.0301% | 645 |
| Return on Equity (ROE) | 12.1223% | 1,575 |
| Retained earnings to average equity (ytd only) | 9.8272% | 797 |
| Net charge-offs to loans | -0.0023% | 4,074 |
| Credit loss provision to net charge-offs | -4,750.0000% | 4,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0108% | 4,500 |
| Assets per employee ($millions) | 6.6719% | 1,177 |
| Cash dividends to net income (ytd only)* | 18.9329% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,348 |
| Loan loss allowance to noncurrent loans | 4,696.7742% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,640 |
| Noncurrent loans to loans | 0.0261% | 4,556 |
| Net loans and leases to total assets | 79.8340% | 867 |
| Net loans and leases to deposits | 98.3153% | 787 |
| Net loans and leases to core deposits | 116.5329% | 638 |
| Total domestic deposits to total assets | 81.2021% | 3,694 |
| Equity capital to assets | 13.5895% | 1,321 |
| Core capital (leverage) ratio | 11.4782% | 2,237 |
| Tier 1 risk-based capital ratio | 12.5137% | 4,138 |
| Total risk-based capital ratio | 13.6436% | 4,081 |
| Memoranda: | ||
| Average total assets | $144,421,000 | 3,404 |
| Average earning assets | $133,460,000 | 3,408 |
| Average equity | $19,170,750 | 3,228 |
| Average total loans | $114,657,250 | 3,047 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 1,696 |
| Cost of funding earning assets | 0.8685% | 2,305 |
| Net interest margin | 4.0513% | 1,758 |
| Noninterest income to average assets | 0.6349% | 1,999 |
| Noninterest expense to average assets | 2.3838% | 3,778 |
| Loan and lease loss provision to assets | 0.0557% | 2,711 |
| Net operating income to assets | 1.5342% | 1,049 |
| Return on assets (ROA) | 1.5386% | 1,092 |
| Pretax return on assets | 1.9424% | 765 |
| Return on Equity (ROE) | 11.6857% | 1,699 |
| Retained earnings to average equity (ytd only) | 8.1959% | 1,316 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0885% | 4,460 |
| Assets per employee ($millions) | 6.3021% | 1,335 |
| Cash dividends to net income (ytd only)* | 29.8643% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,496 |
| Loan loss allowance to noncurrent loans | 585.3556% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 3,941 |
| Noncurrent loans to loans | 0.2060% | 3,807 |
| Net loans and leases to total assets | 79.0899% | 1,026 |
| Net loans and leases to deposits | 95.4014% | 1,107 |
| Net loans and leases to core deposits | 114.6217% | 753 |
| Total domestic deposits to total assets | 82.9023% | 3,237 |
| Equity capital to assets | 13.3116% | 1,430 |
| Core capital (leverage) ratio | 11.0065% | 2,595 |
| Tier 1 risk-based capital ratio | 12.4242% | 4,173 |
| Total risk-based capital ratio | 13.5469% | 4,110 |
| Memoranda: | ||
| Average total assets | $143,634,000 | 3,437 |
| Average earning assets | $132,649,670 | 3,441 |
| Average equity | $18,912,000 | 3,253 |
| Average total loans | $113,330,330 | 3,083 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 2,128 |
| Cost of funding earning assets | 0.8027% | 2,524 |
| Net interest margin | 3.9254% | 2,112 |
| Noninterest income to average assets | 0.6323% | 1,898 |
| Noninterest expense to average assets | 2.4312% | 3,678 |
| Loan and lease loss provision to assets | 0.0140% | 3,253 |
| Net operating income to assets | 1.4269% | 1,300 |
| Return on assets (ROA) | 1.4380% | 1,300 |
| Pretax return on assets | 1.8129% | 958 |
| Return on Equity (ROE) | 10.9826% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.9826% | 804 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8886% | 4,226 |
| Assets per employee ($millions) | 6.1966% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,542 |
| Loan loss allowance to noncurrent loans | 13,640.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,847 |
| Noncurrent loans to loans | 0.0088% | 4,750 |
| Net loans and leases to total assets | 78.3821% | 1,091 |
| Net loans and leases to deposits | 96.4897% | 923 |
| Net loans and leases to core deposits | 108.8462% | 997 |
| Total domestic deposits to total assets | 81.2336% | 3,920 |
| Equity capital to assets | 13.3279% | 1,280 |
| Core capital (leverage) ratio | 11.3616% | 2,236 |
| Tier 1 risk-based capital ratio | 12.3204% | 4,289 |
| Total risk-based capital ratio | 13.4250% | 4,246 |
| Memoranda: | ||
| Average total assets | $142,976,500 | 3,487 |
| Average earning assets | $131,554,000 | 3,494 |
| Average equity | $18,720,500 | 3,287 |
| Average total loans | $111,976,000 | 3,135 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 1,715 |
| Cost of funding earning assets | 0.7546% | 1,763 |
| Net interest margin | 3.9817% | 2,051 |
| Noninterest income to average assets | 0.8588% | 1,292 |
| Noninterest expense to average assets | 2.5444% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5600% | 967 |
| Return on assets (ROA) | 1.5560% | 969 |
| Pretax return on assets | 1.9579% | 616 |
| Return on Equity (ROE) | 12.0380% | 1,703 |
| Retained earnings to average equity (ytd only) | 5.5681% | 2,441 |
| Net charge-offs to loans | 0.0075% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 338.8750% | 304 |
| Efficiency ratio | 56.0643% | 4,403 |
| Assets per employee ($millions) | 6.5196% | 1,206 |
| Cash dividends to net income (ytd only)* | 53.7459% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,434 |
| Loan loss allowance to noncurrent loans | 2,613.4615% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,664 |
| Noncurrent loans to loans | 0.0469% | 4,535 |
| Net loans and leases to total assets | 76.3553% | 1,548 |
| Net loans and leases to deposits | 96.5069% | 1,024 |
| Net loans and leases to core deposits | 107.6386% | 1,146 |
| Total domestic deposits to total assets | 79.1190% | 4,291 |
| Equity capital to assets | 12.8604% | 1,409 |
| Core capital (leverage) ratio | 10.8973% | 2,629 |
| Tier 1 risk-based capital ratio | 11.9900% | 4,429 |
| Total risk-based capital ratio | 13.0989% | 4,411 |
| Memoranda: | ||
| Average total assets | $138,107,600 | 3,533 |
| Average earning assets | $126,553,600 | 3,555 |
| Average equity | $17,851,800 | 3,310 |
| Average total loans | $106,984,000 | 3,189 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 1,724 |
| Cost of funding earning assets | 0.7081% | 1,805 |
| Net interest margin | 3.9767% | 2,022 |
| Noninterest income to average assets | 0.7418% | 1,707 |
| Noninterest expense to average assets | 2.5852% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4408% | 1,358 |
| Return on assets (ROA) | 1.4408% | 1,359 |
| Pretax return on assets | 1.8083% | 994 |
| Return on Equity (ROE) | 11.1314% | 2,129 |
| Retained earnings to average equity (ytd only) | 6.0477% | 2,633 |
| Net charge-offs to loans | 0.0050% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 464.0281% | 200 |
| Efficiency ratio | 58.4424% | 4,052 |
| Assets per employee ($millions) | 6.0156% | 1,473 |
| Cash dividends to net income (ytd only)* | 45.6699% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,289 |
| Loan loss allowance to noncurrent loans | 11,358.3333% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,970 |
| Noncurrent loans to loans | 0.0111% | 4,870 |
| Net loans and leases to total assets | 76.9670% | 1,508 |
| Net loans and leases to deposits | 97.6095% | 982 |
| Net loans and leases to core deposits | 106.7815% | 1,245 |
| Total domestic deposits to total assets | 78.8520% | 4,345 |
| Equity capital to assets | 13.1644% | 1,267 |
| Core capital (leverage) ratio | 10.9270% | 2,651 |
| Tier 1 risk-based capital ratio | 12.1598% | 4,405 |
| Total risk-based capital ratio | 13.3032% | 4,356 |
| Memoranda: | ||
| Average total assets | $136,776,500 | 3,586 |
| Average earning assets | $125,594,750 | 3,600 |
| Average equity | $17,703,250 | 3,353 |
| Average total loans | $106,010,750 | 3,231 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 1,755 |
| Cost of funding earning assets | 0.6359% | 2,014 |
| Net interest margin | 3.9725% | 1,951 |
| Noninterest income to average assets | 0.7237% | 1,774 |
| Noninterest expense to average assets | 2.6217% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3842% | 1,496 |
| Return on assets (ROA) | 1.3842% | 1,498 |
| Pretax return on assets | 1.7424% | 1,112 |
| Return on Equity (ROE) | 10.7569% | 2,205 |
| Retained earnings to average equity (ytd only) | 3.0571% | 4,028 |
| Net charge-offs to loans | -0.0095% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6704% | 3,980 |
| Assets per employee ($millions) | 5.6707% | 1,741 |
| Cash dividends to net income (ytd only)* | 71.5801% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 2,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.2675% | 1,430 |
| Net loans and leases to deposits | 97.4750% | 998 |
| Net loans and leases to core deposits | 104.4976% | 1,355 |
| Total domestic deposits to total assets | 79.2690% | 4,379 |
| Equity capital to assets | 13.1135% | 1,251 |
| Core capital (leverage) ratio | 10.6252% | 2,895 |
| Tier 1 risk-based capital ratio | 11.9293% | 4,540 |
| Total risk-based capital ratio | 13.1045% | 4,469 |
| Memoranda: | ||
| Average total assets | $136,249,330 | 3,620 |
| Average earning assets | $124,857,330 | 3,633 |
| Average equity | $17,533,000 | 3,389 |
| Average total loans | $105,396,670 | 3,242 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 1,754 |
| Cost of funding earning assets | 0.6156% | 1,941 |
| Net interest margin | 3.9222% | 1,954 |
| Noninterest income to average assets | 0.7277% | 1,711 |
| Noninterest expense to average assets | 2.7845% | 2,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2030% | 1,990 |
| Return on assets (ROA) | 1.2030% | 2,002 |
| Pretax return on assets | 1.5140% | 1,651 |
| Return on Equity (ROE) | 9.4383% | 2,697 |
| Retained earnings to average equity (ytd only) | -6.1004% | 5,255 |
| Net charge-offs to loans | -0.0038% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3686% | 3,424 |
| Assets per employee ($millions) | 5.8727% | 1,626 |
| Cash dividends to net income (ytd only)* | 164.6341% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,133 |
| Loan loss allowance to noncurrent loans | 136,800.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,149 |
| Noncurrent loans to loans | 0.0010% | 5,030 |
| Net loans and leases to total assets | 75.5173% | 1,619 |
| Net loans and leases to deposits | 92.5297% | 1,384 |
| Net loans and leases to core deposits | 111.0758% | 942 |
| Total domestic deposits to total assets | 81.6141% | 4,060 |
| Equity capital to assets | 12.8133% | 1,333 |
| Core capital (leverage) ratio | 10.2656% | 3,223 |
| Tier 1 risk-based capital ratio | 11.7769% | 4,698 |
| Total risk-based capital ratio | 12.9803% | 4,607 |
| Memoranda: | ||
| Average total assets | $136,326,000 | 3,655 |
| Average earning assets | $124,115,500 | 3,676 |
| Average equity | $17,376,000 | 3,427 |
| Average total loans | $104,830,000 | 3,275 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 1,842 |
| Cost of funding earning assets | 0.4757% | 2,539 |
| Net interest margin | 3.9854% | 1,791 |
| Noninterest income to average assets | 0.8457% | 1,423 |
| Noninterest expense to average assets | 2.6062% | 3,424 |
| Loan and lease loss provision to assets | 0.0252% | 3,793 |
| Net operating income to assets | 1.1487% | 1,683 |
| Return on assets (ROA) | 1.1478% | 1,719 |
| Pretax return on assets | 1.8641% | 658 |
| Return on Equity (ROE) | 9.3871% | 2,144 |
| Retained earnings to average equity (ytd only) | 6.0052% | 1,538 |
| Net charge-offs to loans | 0.0158% | 3,568 |
| Credit loss provision to net charge-offs | 205.8824% | 1,328 |
| Earnings coverage of net charge-offs (x) | 154.6471% | 471 |
| Efficiency ratio | 57.5564% | 4,581 |
| Assets per employee ($millions) | 5.9818% | 1,527 |
| Cash dividends to net income (ytd only)* | 36.0276% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.2627% | 1,546 |
| Net loans and leases to deposits | 96.8666% | 1,004 |
| Net loans and leases to core deposits | 115.6100% | 733 |
| Total domestic deposits to total assets | 78.7296% | 4,599 |
| Equity capital to assets | 12.6798% | 1,419 |
| Core capital (leverage) ratio | 10.2802% | 3,090 |
| Tier 1 risk-based capital ratio | 11.7119% | 4,711 |
| Total risk-based capital ratio | 12.8809% | 4,654 |
| Memoranda: | ||
| Average total assets | $139,051,200 | 3,625 |
| Average earning assets | $127,391,200 | 3,623 |
| Average equity | $17,002,000 | 3,483 |
| Average total loans | $107,915,600 | 3,214 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 1,881 |
| Cost of funding earning assets | 0.4556% | 2,658 |
| Net interest margin | 3.9687% | 1,807 |
| Noninterest income to average assets | 0.7106% | 1,955 |
| Noninterest expense to average assets | 2.5830% | 3,460 |
| Loan and lease loss provision to assets | 0.0143% | 3,853 |
| Net operating income to assets | 1.1910% | 1,734 |
| Return on assets (ROA) | 1.1897% | 1,770 |
| Pretax return on assets | 1.7520% | 999 |
| Return on Equity (ROE) | 9.8195% | 2,197 |
| Retained earnings to average equity (ytd only) | 5.2807% | 2,703 |
| Net charge-offs to loans | 0.0012% | 3,740 |
| Credit loss provision to net charge-offs | 1,500.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 1,853.5865% | 42 |
| Efficiency ratio | 58.9451% | 4,368 |
| Assets per employee ($millions) | 6.0729% | 1,440 |
| Cash dividends to net income (ytd only)* | 46.2219% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,758 |
| Loan loss allowance to noncurrent loans | 6,815.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 5,185 |
| Noncurrent loans to loans | 0.0180% | 5,058 |
| Net loans and leases to total assets | 78.5303% | 1,192 |
| Net loans and leases to deposits | 99.4145% | 787 |
| Net loans and leases to core deposits | 111.7282% | 934 |
| Total domestic deposits to total assets | 78.9928% | 4,532 |
| Equity capital to assets | 12.2619% | 1,800 |
| Core capital (leverage) ratio | 9.9260% | 3,656 |
| Tier 1 risk-based capital ratio | 10.9664% | 5,264 |
| Total risk-based capital ratio | 12.0879% | 5,235 |
| Memoranda: | ||
| Average total assets | $139,418,750 | 3,653 |
| Average earning assets | $127,897,500 | 3,650 |
| Average equity | $16,891,250 | 3,532 |
| Average total loans | $108,322,000 | 3,234 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 1,980 |
| Cost of funding earning assets | 0.4019% | 3,054 |
| Net interest margin | 3.9465% | 1,792 |
| Noninterest income to average assets | 0.6904% | 2,032 |
| Noninterest expense to average assets | 2.6182% | 3,376 |
| Loan and lease loss provision to assets | 0.0144% | 3,666 |
| Net operating income to assets | 1.1345% | 1,837 |
| Return on assets (ROA) | 1.1325% | 1,893 |
| Pretax return on assets | 1.6636% | 1,151 |
| Return on Equity (ROE) | 9.3858% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.3858% | 734 |
| Net charge-offs to loans | -0.0112% | 4,578 |
| Credit loss provision to net charge-offs | -166.6667% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5008% | 4,243 |
| Assets per employee ($millions) | 5.6294% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,587 |
| Loan loss allowance to noncurrent loans | 1,252.2936% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 4,890 |
| Noncurrent loans to loans | 0.1012% | 4,723 |
| Net loans and leases to total assets | 75.5755% | 1,596 |
| Net loans and leases to deposits | 95.7664% | 1,103 |
| Net loans and leases to core deposits | 104.7716% | 1,307 |
| Total domestic deposits to total assets | 78.9166% | 4,632 |
| Equity capital to assets | 12.2570% | 1,753 |
| Core capital (leverage) ratio | 9.9276% | 3,622 |
| Tier 1 risk-based capital ratio | 11.3259% | 5,073 |
| Total risk-based capital ratio | 12.4759% | 5,017 |
| Memoranda: | ||
| Average total assets | $139,333,000 | 3,676 |
| Average earning assets | $127,403,000 | 3,683 |
| Average equity | $16,812,670 | 3,555 |
| Average total loans | $107,412,330 | 3,257 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 2,547 |
| Cost of funding earning assets | 0.3678% | 3,339 |
| Net interest margin | 3.7626% | 2,254 |
| Noninterest income to average assets | 0.6463% | 2,200 |
| Noninterest expense to average assets | 2.8017% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8762% | 2,877 |
| Return on assets (ROA) | 0.8743% | 2,939 |
| Pretax return on assets | 1.2955% | 2,250 |
| Return on Equity (ROE) | 7.3038% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.3038% | 1,747 |
| Net charge-offs to loans | -0.0186% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9099% | 3,215 |
| Assets per employee ($millions) | 6.0961% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,835 |
| Loan loss allowance to noncurrent loans | 914.8649% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 4,849 |
| Noncurrent loans to loans | 0.1365% | 4,646 |
| Net loans and leases to total assets | 76.3877% | 1,350 |
| Net loans and leases to deposits | 92.3255% | 1,294 |
| Net loans and leases to core deposits | 99.7532% | 1,522 |
| Total domestic deposits to total assets | 82.7374% | 3,936 |
| Equity capital to assets | 11.9456% | 1,877 |
| Core capital (leverage) ratio | 9.8752% | 3,655 |
| Tier 1 risk-based capital ratio | 10.8104% | 5,401 |
| Total risk-based capital ratio | 11.9406% | 5,379 |
| Memoranda: | ||
| Average total assets | $138,631,500 | 3,716 |
| Average earning assets | $127,254,000 | 3,715 |
| Average equity | $16,594,000 | 3,592 |
| Average total loans | $107,255,000 | 3,286 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 2,429 |
| Cost of funding earning assets | 0.3314% | 3,729 |
| Net interest margin | 3.8869% | 2,007 |
| Noninterest income to average assets | 0.9431% | 1,287 |
| Noninterest expense to average assets | 2.5807% | 3,737 |
| Loan and lease loss provision to assets | 0.0223% | 3,929 |
| Net operating income to assets | 1.3026% | 1,206 |
| Return on assets (ROA) | 1.3026% | 1,277 |
| Pretax return on assets | 1.9236% | 590 |
| Return on Equity (ROE) | 11.5276% | 1,389 |
| Retained earnings to average equity (ytd only) | 5.4839% | 2,021 |
| Net charge-offs to loans | 0.0281% | 3,468 |
| Credit loss provision to net charge-offs | 103.3333% | 2,502 |
| Earnings coverage of net charge-offs (x) | 90.2333% | 653 |
| Efficiency ratio | 56.5507% | 5,011 |
| Assets per employee ($millions) | 5.9588% | 1,509 |
| Cash dividends to net income (ytd only)* | 52.4283% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,695 |
| Loan loss allowance to noncurrent loans | 134,900.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,451 |
| Noncurrent loans to loans | 0.0009% | 5,324 |
| Net loans and leases to total assets | 76.3966% | 1,453 |
| Net loans and leases to deposits | 93.9546% | 1,197 |
| Net loans and leases to core deposits | 103.2014% | 1,343 |
| Total domestic deposits to total assets | 81.3122% | 4,255 |
| Equity capital to assets | 11.9947% | 1,811 |
| Core capital (leverage) ratio | 9.8619% | 3,677 |
| Tier 1 risk-based capital ratio | 10.9817% | 5,354 |
| Total risk-based capital ratio | 12.1277% | 5,296 |
| Memoranda: | ||
| Average total assets | $139,110,600 | 3,688 |
| Average earning assets | $128,251,200 | 3,684 |
| Average equity | $15,718,800 | 3,733 |
| Average total loans | $106,950,800 | 3,260 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 2,389 |
| Cost of funding earning assets | 0.3332% | 3,747 |
| Net interest margin | 3.9029% | 1,969 |
| Noninterest income to average assets | 0.7401% | 2,008 |
| Noninterest expense to average assets | 2.5315% | 3,890 |
| Loan and lease loss provision to assets | 0.0296% | 3,650 |
| Net operating income to assets | 1.2089% | 1,614 |
| Return on assets (ROA) | 1.2089% | 1,711 |
| Pretax return on assets | 1.7809% | 929 |
| Return on Equity (ROE) | 10.8629% | 1,718 |
| Retained earnings to average equity (ytd only) | 2.7114% | 4,270 |
| Net charge-offs to loans | 0.0162% | 3,404 |
| Credit loss provision to net charge-offs | 238.4615% | 1,241 |
| Earnings coverage of net charge-offs (x) | 145.8707% | 475 |
| Efficiency ratio | 57.8403% | 4,834 |
| Assets per employee ($millions) | 6.2773% | 1,246 |
| Cash dividends to net income (ytd only)* | 75.0397% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,850 |
| Loan loss allowance to noncurrent loans | 9,106.6667% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 5,362 |
| Noncurrent loans to loans | 0.0139% | 5,345 |
| Net loans and leases to total assets | 76.9862% | 1,366 |
| Net loans and leases to deposits | 93.5412% | 1,312 |
| Net loans and leases to core deposits | 103.4634% | 1,383 |
| Total domestic deposits to total assets | 82.3020% | 3,842 |
| Equity capital to assets | 11.5576% | 2,466 |
| Core capital (leverage) ratio | 9.2490% | 4,533 |
| Tier 1 risk-based capital ratio | 10.5758% | 5,584 |
| Total risk-based capital ratio | 11.7401% | 5,545 |
| Memoranda: | ||
| Average total assets | $139,625,250 | 3,702 |
| Average earning assets | $128,858,250 | 3,687 |
| Average equity | $15,538,750 | 3,782 |
| Average total loans | $107,175,500 | 3,274 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 2,460 |
| Cost of funding earning assets | 0.3205% | 3,897 |
| Net interest margin | 3.8965% | 1,988 |
| Noninterest income to average assets | 0.7507% | 1,933 |
| Noninterest expense to average assets | 2.5247% | 3,974 |
| Loan and lease loss provision to assets | 0.0214% | 3,704 |
| Net operating income to assets | 1.2203% | 1,532 |
| Return on assets (ROA) | 1.2203% | 1,630 |
| Pretax return on assets | 1.7969% | 887 |
| Return on Equity (ROE) | 11.1053% | 1,599 |
| Retained earnings to average equity (ytd only) | -1.2339% | 5,465 |
| Net charge-offs to loans | -0.0037% | 4,467 |
| Credit loss provision to net charge-offs | -750.0000% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6733% | 4,952 |
| Assets per employee ($millions) | 5.7842% | 1,557 |
| Cash dividends to net income (ytd only)* | 111.1111% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,872 |
| Loan loss allowance to noncurrent loans | 2,007.3529% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,365 |
| Noncurrent loans to loans | 0.0640% | 5,197 |
| Net loans and leases to total assets | 75.5087% | 1,566 |
| Net loans and leases to deposits | 92.4788% | 1,451 |
| Net loans and leases to core deposits | 99.2943% | 1,686 |
| Total domestic deposits to total assets | 81.6498% | 4,105 |
| Equity capital to assets | 11.2195% | 2,830 |
| Core capital (leverage) ratio | 8.8188% | 5,035 |
| Tier 1 risk-based capital ratio | 10.3379% | 5,745 |
| Total risk-based capital ratio | 11.5173% | 5,693 |
| Memoranda: | ||
| Average total assets | $140,133,670 | 3,716 |
| Average earning assets | $129,192,670 | 3,710 |
| Average equity | $15,398,000 | 3,811 |
| Average total loans | $107,006,000 | 3,286 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 2,655 |
| Cost of funding earning assets | 0.3177% | 3,974 |
| Net interest margin | 3.8314% | 2,175 |
| Noninterest income to average assets | 0.6023% | 2,516 |
| Noninterest expense to average assets | 2.5939% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0455% | 2,101 |
| Return on assets (ROA) | 1.0455% | 2,213 |
| Pretax return on assets | 1.5370% | 1,481 |
| Return on Equity (ROE) | 9.6149% | 2,152 |
| Retained earnings to average equity (ytd only) | -15.2062% | 5,907 |
| Net charge-offs to loans | -0.0037% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3109% | 4,402 |
| Assets per employee ($millions) | 6.2343% | 1,253 |
| Cash dividends to net income (ytd only)* | 258.1522% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,961 |
| Loan loss allowance to noncurrent loans | 5,620.8333% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 5,580 |
| Noncurrent loans to loans | 0.0230% | 5,407 |
| Net loans and leases to total assets | 75.2040% | 1,517 |
| Net loans and leases to deposits | 88.8118% | 1,720 |
| Net loans and leases to core deposits | 96.0078% | 1,795 |
| Total domestic deposits to total assets | 84.6779% | 3,248 |
| Equity capital to assets | 10.9693% | 2,975 |
| Core capital (leverage) ratio | 8.3654% | 5,500 |
| Tier 1 risk-based capital ratio | 9.8309% | 5,941 |
| Total risk-based capital ratio | 11.0046% | 5,935 |
| Memoranda: | ||
| Average total assets | $140,790,000 | 3,726 |
| Average earning assets | $129,666,500 | 3,722 |
| Average equity | $15,309,500 | 3,835 |
| Average total loans | $107,415,500 | 3,289 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 2,650 |
| Cost of funding earning assets | 0.2982% | 4,269 |
| Net interest margin | 3.8741% | 2,115 |
| Noninterest income to average assets | 0.8610% | 1,566 |
| Noninterest expense to average assets | 2.5428% | 4,094 |
| Loan and lease loss provision to assets | 0.0408% | 3,516 |
| Net operating income to assets | 1.2392% | 1,423 |
| Return on assets (ROA) | 1.2392% | 1,474 |
| Pretax return on assets | 1.8315% | 753 |
| Return on Equity (ROE) | 11.7868% | 1,360 |
| Retained earnings to average equity (ytd only) | 11.7868% | 272 |
| Net charge-offs to loans | 0.0132% | 4,031 |
| Credit loss provision to net charge-offs | 407.1429% | 749 |
| Earnings coverage of net charge-offs (x) | 186.7143% | 354 |
| Efficiency ratio | 57.1220% | 5,246 |
| Assets per employee ($millions) | 6.5648% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 3,348 |
| Loan loss allowance to noncurrent loans | 1,481.3187% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,396 |
| Noncurrent loans to loans | 0.0825% | 5,172 |
| Net loans and leases to total assets | 75.4634% | 1,499 |
| Net loans and leases to deposits | 94.2819% | 1,181 |
| Net loans and leases to core deposits | 100.3674% | 1,479 |
| Total domestic deposits to total assets | 80.0402% | 4,733 |
| Equity capital to assets | 10.7835% | 3,046 |
| Core capital (leverage) ratio | 8.6953% | 5,223 |
| Tier 1 risk-based capital ratio | 9.8191% | 5,989 |
| Total risk-based capital ratio | 10.9335% | 6,001 |
| Memoranda: | ||
| Average total assets | $139,610,600 | 3,725 |
| Average earning assets | $128,080,600 | 3,741 |
| Average equity | $14,677,400 | 3,883 |
| Average total loans | $105,782,000 | 3,284 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 2,730 |
| Cost of funding earning assets | 0.3012% | 4,329 |
| Net interest margin | 3.8553% | 2,170 |
| Noninterest income to average assets | 0.6936% | 2,260 |
| Noninterest expense to average assets | 2.4536% | 4,335 |
| Loan and lease loss provision to assets | 0.0164% | 3,946 |
| Net operating income to assets | 1.1926% | 1,678 |
| Return on assets (ROA) | 1.1926% | 1,743 |
| Pretax return on assets | 1.7629% | 969 |
| Return on Equity (ROE) | 11.4205% | 1,565 |
| Retained earnings to average equity (ytd only) | 11.4205% | 425 |
| Net charge-offs to loans | -0.0026% | 4,731 |
| Credit loss provision to net charge-offs | -850.0000% | 5,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4875% | 5,181 |
| Assets per employee ($millions) | 6.6989% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 3,593 |
| Loan loss allowance to noncurrent loans | 2,101.5873% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 5,597 |
| Noncurrent loans to loans | 0.0576% | 5,386 |
| Net loans and leases to total assets | 76.8589% | 1,262 |
| Net loans and leases to deposits | 99.9455% | 668 |
| Net loans and leases to core deposits | 106.5546% | 1,060 |
| Total domestic deposits to total assets | 76.9008% | 5,357 |
| Equity capital to assets | 10.7602% | 3,292 |
| Core capital (leverage) ratio | 8.6022% | 5,463 |
| Tier 1 risk-based capital ratio | 9.5045% | 6,147 |
| Total risk-based capital ratio | 10.6100% | 6,144 |
| Memoranda: | ||
| Average total assets | $138,407,000 | 3,779 |
| Average earning assets | $127,059,000 | 3,796 |
| Average equity | $14,453,250 | 3,956 |
| Average total loans | $104,643,500 | 3,328 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 2,778 |
| Cost of funding earning assets | 0.3054% | 4,339 |
| Net interest margin | 3.8286% | 2,207 |
| Noninterest income to average assets | 0.6509% | 2,471 |
| Noninterest expense to average assets | 2.4511% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1478% | 1,789 |
| Return on assets (ROA) | 1.1478% | 1,857 |
| Pretax return on assets | 1.6970% | 1,090 |
| Return on Equity (ROE) | 11.1069% | 1,648 |
| Retained earnings to average equity (ytd only) | 11.1069% | 494 |
| Net charge-offs to loans | -0.0039% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5989% | 5,154 |
| Assets per employee ($millions) | 5.9336% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 3,442 |
| Loan loss allowance to noncurrent loans | 32,675.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,909 |
| Noncurrent loans to loans | 0.0039% | 5,762 |
| Net loans and leases to total assets | 74.9055% | 1,520 |
| Net loans and leases to deposits | 91.8802% | 1,390 |
| Net loans and leases to core deposits | 97.4072% | 1,698 |
| Total domestic deposits to total assets | 81.5251% | 4,442 |
| Equity capital to assets | 10.7253% | 3,192 |
| Core capital (leverage) ratio | 8.3047% | 5,711 |
| Tier 1 risk-based capital ratio | 9.5292% | 6,199 |
| Total risk-based capital ratio | 10.6685% | 6,193 |
| Memoranda: | ||
| Average total assets | $137,650,670 | 3,827 |
| Average earning assets | $125,737,670 | 3,851 |
| Average equity | $14,225,330 | 4,009 |
| Average total loans | $103,042,670 | 3,378 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 3,013 |
| Cost of funding earning assets | 0.3175% | 4,251 |
| Net interest margin | 3.7396% | 2,471 |
| Noninterest income to average assets | 0.5874% | 2,719 |
| Noninterest expense to average assets | 2.4942% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0185% | 2,174 |
| Return on assets (ROA) | 1.0185% | 2,317 |
| Pretax return on assets | 1.5017% | 1,566 |
| Return on Equity (ROE) | 10.0432% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.0432% | 915 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4185% | 4,724 |
| Assets per employee ($millions) | 4.5820% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 3,448 |
| Loan loss allowance to noncurrent loans | 32,625.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,960 |
| Noncurrent loans to loans | 0.0040% | 5,804 |
| Net loans and leases to total assets | 72.5586% | 1,723 |
| Net loans and leases to deposits | 84.3801% | 2,020 |
| Net loans and leases to core deposits | 89.3150% | 2,198 |
| Total domestic deposits to total assets | 85.9901% | 2,946 |
| Equity capital to assets | 10.3528% | 3,714 |
| Core capital (leverage) ratio | 8.0422% | 5,913 |
| Tier 1 risk-based capital ratio | 9.5581% | 6,266 |
| Total risk-based capital ratio | 10.7285% | 6,254 |
| Memoranda: | ||
| Average total assets | $138,240,000 | 3,837 |
| Average earning assets | $126,004,000 | 3,866 |
| Average equity | $14,019,500 | 4,073 |
| Average total loans | $102,798,000 | 3,401 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 3,282 |
| Cost of funding earning assets | 0.3204% | 4,578 |
| Net interest margin | 3.7917% | 2,656 |
| Noninterest income to average assets | 0.7764% | 1,966 |
| Noninterest expense to average assets | 2.4767% | 4,618 |
| Loan and lease loss provision to assets | 0.1086% | 2,347 |
| Net operating income to assets | 1.1529% | 1,761 |
| Return on assets (ROA) | 1.1529% | 1,830 |
| Pretax return on assets | 1.6827% | 1,021 |
| Return on Equity (ROE) | 11.0600% | 1,710 |
| Retained earnings to average equity (ytd only) | 0.0422% | 5,746 |
| Net charge-offs to loans | 0.0050% | 4,847 |
| Credit loss provision to net charge-offs | 2,960.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 488.2000% | 105 |
| Efficiency ratio | 58.0296% | 5,454 |
| Assets per employee ($millions) | 6.0443% | 1,345 |
| Cash dividends to net income (ytd only)* | 99.6181% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 3,729 |
| Loan loss allowance to noncurrent loans | 10,875.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 6,036 |
| Noncurrent loans to loans | 0.0115% | 5,869 |
| Net loans and leases to total assets | 74.2677% | 1,542 |
| Net loans and leases to deposits | 90.1453% | 1,505 |
| Net loans and leases to core deposits | 95.6062% | 1,756 |
| Total domestic deposits to total assets | 82.3867% | 4,280 |
| Equity capital to assets | 9.9324% | 4,198 |
| Core capital (leverage) ratio | 7.3437% | 6,252 |
| Tier 1 risk-based capital ratio | 9.0549% | 6,402 |
| Total risk-based capital ratio | 10.2437% | 6,398 |
| Memoranda: | ||
| Average total assets | $136,270,200 | 3,873 |
| Average earning assets | $125,485,200 | 3,855 |
| Average equity | $14,204,400 | 3,991 |
| Average total loans | $100,018,600 | 3,421 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 3,506 |
| Cost of funding earning assets | 0.3193% | 4,681 |
| Net interest margin | 3.7460% | 2,836 |
| Noninterest income to average assets | 0.6589% | 2,528 |
| Noninterest expense to average assets | 2.4093% | 4,796 |
| Loan and lease loss provision to assets | 0.0865% | 2,618 |
| Net operating income to assets | 1.1083% | 1,995 |
| Return on assets (ROA) | 1.1083% | 2,056 |
| Pretax return on assets | 1.6127% | 1,290 |
| Return on Equity (ROE) | 10.5053% | 2,000 |
| Retained earnings to average equity (ytd only) | 10.5053% | 598 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6405% | 5,359 |
| Assets per employee ($millions) | 6.4018% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 4,246 |
| Loan loss allowance to noncurrent loans | 1,785.7143% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 5,955 |
| Noncurrent loans to loans | 0.0670% | 5,750 |
| Net loans and leases to total assets | 73.2725% | 1,635 |
| Net loans and leases to deposits | 88.6778% | 1,594 |
| Net loans and leases to core deposits | 93.8103% | 1,888 |
| Total domestic deposits to total assets | 82.6278% | 4,258 |
| Equity capital to assets | 10.5900% | 3,443 |
| Core capital (leverage) ratio | 8.2004% | 5,930 |
| Tier 1 risk-based capital ratio | 9.9968% | 6,350 |
| Total risk-based capital ratio | 11.1272% | 6,346 |
| Memoranda: | ||
| Average total assets | $135,582,750 | 3,908 |
| Average earning assets | $124,860,000 | 3,895 |
| Average equity | $14,303,500 | 3,996 |
| Average total loans | $98,885,250 | 3,465 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 3,974 |
| Cost of funding earning assets | 0.3261% | 4,684 |
| Net interest margin | 3.6144% | 3,304 |
| Noninterest income to average assets | 0.6037% | 2,797 |
| Noninterest expense to average assets | 2.3732% | 4,966 |
| Loan and lease loss provision to assets | 0.0194% | 3,883 |
| Net operating income to assets | 1.0491% | 2,121 |
| Return on assets (ROA) | 1.0491% | 2,195 |
| Pretax return on assets | 1.5408% | 1,424 |
| Return on Equity (ROE) | 9.9577% | 2,167 |
| Retained earnings to average equity (ytd only) | 9.9577% | 722 |
| Net charge-offs to loans | 0.0082% | 4,115 |
| Credit loss provision to net charge-offs | 325.0000% | 803 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 259 |
| Efficiency ratio | 60.3343% | 5,242 |
| Assets per employee ($millions) | 5.9307% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 4,526 |
| Loan loss allowance to noncurrent loans | 39,033.3333% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,271 |
| Noncurrent loans to loans | 0.0030% | 6,104 |
| Net loans and leases to total assets | 72.0457% | 1,738 |
| Net loans and leases to deposits | 91.0754% | 1,266 |
| Net loans and leases to core deposits | 91.3854% | 1,990 |
| Total domestic deposits to total assets | 79.1056% | 5,435 |
| Equity capital to assets | 10.6294% | 3,273 |
| Core capital (leverage) ratio | 8.3224% | 5,827 |
| Tier 1 risk-based capital ratio | 10.1975% | 6,337 |
| Total risk-based capital ratio | 11.3216% | 6,333 |
| Memoranda: | ||
| Average total assets | $133,830,330 | 3,961 |
| Average earning assets | $123,284,670 | 3,946 |
| Average equity | $14,099,670 | 4,034 |
| Average total loans | $97,031,330 | 3,515 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9104% | 4,039 |
| Cost of funding earning assets | 0.3316% | 4,725 |
| Net interest margin | 3.5788% | 3,340 |
| Noninterest income to average assets | 0.4980% | 3,430 |
| Noninterest expense to average assets | 2.2906% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0200% | 2,129 |
| Return on assets (ROA) | 1.0200% | 2,196 |
| Pretax return on assets | 1.4969% | 1,436 |
| Return on Equity (ROE) | 9.7266% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.7266% | 1,041 |
| Net charge-offs to loans | -0.0334% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4781% | 5,338 |
| Assets per employee ($millions) | 5.8946% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 4,392 |
| Loan loss allowance to noncurrent loans | 6,157.8947% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 6,278 |
| Noncurrent loans to loans | 0.0203% | 6,107 |
| Net loans and leases to total assets | 71.3890% | 1,664 |
| Net loans and leases to deposits | 83.7280% | 1,851 |
| Net loans and leases to core deposits | 84.0060% | 2,510 |
| Total domestic deposits to total assets | 85.2631% | 3,734 |
| Equity capital to assets | 10.8605% | 2,866 |
| Core capital (leverage) ratio | 8.5223% | 5,611 |
| Tier 1 risk-based capital ratio | 10.9167% | 6,183 |
| Total risk-based capital ratio | 12.0966% | 6,171 |
| Memoranda: | ||
| Average total assets | $132,543,000 | 4,017 |
| Average earning assets | $121,829,500 | 4,005 |
| Average equity | $13,900,000 | 4,062 |
| Average total loans | $95,824,500 | 3,560 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 2,599 |
| Cost of funding earning assets | 0.4193% | 4,438 |
| Net interest margin | 3.9783% | 2,009 |
| Noninterest income to average assets | 0.5765% | 3,236 |
| Noninterest expense to average assets | 2.3979% | 5,076 |
| Loan and lease loss provision to assets | 0.2799% | 1,234 |
| Net operating income to assets | 0.9552% | 2,542 |
| Return on assets (ROA) | 0.9552% | 2,615 |
| Pretax return on assets | 1.3986% | 1,784 |
| Return on Equity (ROE) | 8.6833% | 2,707 |
| Retained earnings to average equity (ytd only) | -2.7239% | 6,245 |
| Net charge-offs to loans | 0.0089% | 5,276 |
| Credit loss provision to net charge-offs | 4,600.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 275.8750% | 163 |
| Efficiency ratio | 58.8246% | 5,629 |
| Assets per employee ($millions) | 6.4479% | 1,010 |
| Cash dividends to net income (ytd only)* | 131.3694% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 4,727 |
| Loan loss allowance to noncurrent loans | 628.1081% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 5,913 |
| Noncurrent loans to loans | 0.1890% | 5,630 |
| Net loans and leases to total assets | 71.4442% | 1,771 |
| Net loans and leases to deposits | 89.1324% | 1,327 |
| Net loans and leases to core deposits | 89.4332% | 2,088 |
| Total domestic deposits to total assets | 80.1551% | 5,408 |
| Equity capital to assets | 10.1296% | 3,590 |
| Core capital (leverage) ratio | 8.0829% | 6,073 |
| Tier 1 risk-based capital ratio | 10.0996% | 6,488 |
| Total risk-based capital ratio | 11.2189% | 6,491 |
| Memoranda: | ||
| Average total assets | $131,490,600 | 4,042 |
| Average earning assets | $115,678,800 | 4,141 |
| Average equity | $14,464,600 | 3,975 |
| Average total loans | $90,220,400 | 3,687 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,889 |
| Cost of funding earning assets | 0.4360% | 4,437 |
| Net interest margin | 3.8891% | 2,313 |
| Noninterest income to average assets | 0.4975% | 3,823 |
| Noninterest expense to average assets | 2.4988% | 4,727 |
| Loan and lease loss provision to assets | 0.1103% | 2,929 |
| Net operating income to assets | 0.8684% | 3,001 |
| Return on assets (ROA) | 0.8684% | 3,110 |
| Pretax return on assets | 1.2780% | 2,417 |
| Return on Equity (ROE) | 7.7350% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.2799% | 1,752 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2838% | 4,756 |
| Assets per employee ($millions) | 5.4223% | 1,709 |
| Cash dividends to net income (ytd only)* | 5.8828% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 5,982 |
| Loan loss allowance to noncurrent loans | 359.6838% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 5,883 |
| Noncurrent loans to loans | 0.2581% | 5,582 |
| Net loans and leases to total assets | 71.6321% | 1,657 |
| Net loans and leases to deposits | 90.9238% | 1,074 |
| Net loans and leases to core deposits | 91.3206% | 1,842 |
| Total domestic deposits to total assets | 78.7825% | 5,789 |
| Equity capital to assets | 11.0226% | 2,735 |
| Core capital (leverage) ratio | 8.9526% | 5,197 |
| Tier 1 risk-based capital ratio | 11.0632% | 6,251 |
| Total risk-based capital ratio | 11.9253% | 6,369 |
| Memoranda: | ||
| Average total assets | $130,512,000 | 4,100 |
| Average earning assets | $113,751,500 | 4,229 |
| Average equity | $14,651,750 | 3,980 |
| Average total loans | $88,300,250 | 3,753 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 2,613 |
| Cost of funding earning assets | 0.4647% | 4,263 |
| Net interest margin | 3.9230% | 2,138 |
| Noninterest income to average assets | 0.4750% | 3,995 |
| Noninterest expense to average assets | 2.3907% | 5,082 |
| Loan and lease loss provision to assets | 0.0745% | 3,552 |
| Net operating income to assets | 0.9284% | 2,669 |
| Return on assets (ROA) | 0.9284% | 2,808 |
| Pretax return on assets | 1.3646% | 2,066 |
| Return on Equity (ROE) | 8.2171% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.5301% | 1,657 |
| Net charge-offs to loans | -0.0071% | 5,700 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4240% | 5,108 |
| Assets per employee ($millions) | 4.9716% | 2,146 |
| Cash dividends to net income (ytd only)* | 8.3612% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 6,162 |
| Loan loss allowance to noncurrent loans | 328.0769% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 5,936 |
| Noncurrent loans to loans | 0.2712% | 5,622 |
| Net loans and leases to total assets | 68.2655% | 2,184 |
| Net loans and leases to deposits | 84.8996% | 1,698 |
| Net loans and leases to core deposits | 85.6001% | 2,373 |
| Total domestic deposits to total assets | 80.4073% | 5,503 |
| Equity capital to assets | 10.5578% | 3,231 |
| Core capital (leverage) ratio | 8.4280% | 5,745 |
| Tier 1 risk-based capital ratio | 11.0677% | 6,304 |
| Total risk-based capital ratio | 11.8942% | 6,439 |
| Memoranda: | ||
| Average total assets | $128,830,000 | 4,165 |
| Average earning assets | $110,170,670 | 4,336 |
| Average equity | $14,555,000 | 4,034 |
| Average total loans | $85,062,670 | 3,848 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 1,729 |
| Cost of funding earning assets | 0.5201% | 3,884 |
| Net interest margin | 4.1137% | 1,416 |
| Noninterest income to average assets | 0.5079% | 3,723 |
| Noninterest expense to average assets | 2.5299% | 4,656 |
| Loan and lease loss provision to assets | 0.0097% | 4,333 |
| Net operating income to assets | 0.9317% | 2,513 |
| Return on assets (ROA) | 0.9317% | 2,654 |
| Pretax return on assets | 1.3717% | 1,959 |
| Return on Equity (ROE) | 7.9536% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.9536% | 1,768 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6816% | 4,889 |
| Assets per employee ($millions) | 4.6252% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 6,203 |
| Loan loss allowance to noncurrent loans | 847.3684% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 6,402 |
| Noncurrent loans to loans | 0.1089% | 6,159 |
| Net loans and leases to total assets | 60.2942% | 3,376 |
| Net loans and leases to deposits | 67.7102% | 3,800 |
| Net loans and leases to core deposits | 68.1984% | 4,280 |
| Total domestic deposits to total assets | 89.0474% | 1,654 |
| Equity capital to assets | 10.2014% | 3,904 |
| Core capital (leverage) ratio | 8.3085% | 5,816 |
| Tier 1 risk-based capital ratio | 11.4202% | 6,227 |
| Total risk-based capital ratio | 12.2438% | 6,382 |
| Memoranda: | ||
| Average total assets | $123,642,500 | 4,314 |
| Average earning assets | $102,293,000 | 4,560 |
| Average equity | $14,484,000 | 4,096 |
| Average total loans | $79,653,000 | 4,020 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 2,261 |
| Cost of funding earning assets | 0.6322% | 4,079 |
| Net interest margin | 4.1500% | 1,818 |
| Noninterest income to average assets | 0.7863% | 2,324 |
| Noninterest expense to average assets | 2.4280% | 5,330 |
| Loan and lease loss provision to assets | 0.0334% | 5,473 |
| Net operating income to assets | 1.3249% | 1,246 |
| Return on assets (ROA) | 1.3249% | 1,375 |
| Pretax return on assets | 1.9810% | 627 |
| Return on Equity (ROE) | 11.6528% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.6528% | 357 |
| Net charge-offs to loans | 0.0534% | 5,184 |
| Credit loss provision to net charge-offs | 86.1111% | 3,618 |
| Earnings coverage of net charge-offs (x) | 51.9444% | 665 |
| Efficiency ratio | 54.6557% | 6,207 |
| Assets per employee ($millions) | 5.7724% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 5,498 |
| Loan loss allowance to noncurrent loans | 668.3333% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 6,286 |
| Noncurrent loans to loans | 0.1666% | 6,067 |
| Net loans and leases to total assets | 68.5716% | 2,091 |
| Net loans and leases to deposits | 93.4940% | 782 |
| Net loans and leases to core deposits | 94.0493% | 1,460 |
| Total domestic deposits to total assets | 73.3434% | 6,595 |
| Equity capital to assets | 13.8023% | 1,118 |
| Core capital (leverage) ratio | 14.4604% | 681 |
| Tier 1 risk-based capital ratio | 14.7758% | 3,850 |
| Total risk-based capital ratio | 15.7186% | 4,007 |
| Memoranda: | ||
| Average total assets | $92,834,200 | 5,005 |
| Average earning assets | $81,782,400 | 5,082 |
| Average equity | $10,555,400 | 4,855 |
| Average total loans | $67,444,000 | 4,441 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 2,019 |
| Cost of funding earning assets | 0.6705% | 4,013 |
| Net interest margin | 4.2260% | 1,658 |
| Noninterest income to average assets | 0.7861% | 2,296 |
| Noninterest expense to average assets | 2.3833% | 5,443 |
| Loan and lease loss provision to assets | 0.0163% | 5,603 |
| Net operating income to assets | 1.4537% | 1,120 |
| Return on assets (ROA) | 1.4537% | 1,242 |
| Pretax return on assets | 2.1746% | 498 |
| Return on Equity (ROE) | 13.6258% | 1,192 |
| Retained earnings to average equity (ytd only) | 13.6258% | 335 |
| Net charge-offs to loans | 0.0322% | 5,197 |
| Credit loss provision to net charge-offs | 68.7500% | 3,940 |
| Earnings coverage of net charge-offs (x) | 92.5120% | 453 |
| Efficiency ratio | 52.1036% | 6,443 |
| Assets per employee ($millions) | 4.7839% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 5,479 |
| Loan loss allowance to noncurrent loans | 26,733.3333% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 6,805 |
| Noncurrent loans to loans | 0.0043% | 6,680 |
| Net loans and leases to total assets | 75.2396% | 1,086 |
| Net loans and leases to deposits | 90.4533% | 1,102 |
| Net loans and leases to core deposits | 94.1556% | 1,572 |
| Total domestic deposits to total assets | 83.1806% | 4,567 |
| Equity capital to assets | 11.1183% | 3,133 |
| Core capital (leverage) ratio | 9.3252% | 4,539 |
| Tier 1 risk-based capital ratio | 11.7117% | 6,104 |
| Total risk-based capital ratio | 12.8409% | 6,153 |
| Memoranda: | ||
| Average total assets | $90,067,000 | 5,139 |
| Average earning assets | $80,735,500 | 5,154 |
| Average equity | $9,609,000 | 5,127 |
| Average total loans | $66,292,500 | 4,539 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 2,188 |
| Cost of funding earning assets | 0.6923% | 4,077 |
| Net interest margin | 4.1889% | 1,780 |
| Noninterest income to average assets | 0.8286% | 2,062 |
| Noninterest expense to average assets | 2.4145% | 5,403 |
| Loan and lease loss provision to assets | 0.0045% | 5,592 |
| Net operating income to assets | 1.4300% | 1,129 |
| Return on assets (ROA) | 1.4300% | 1,262 |
| Pretax return on assets | 2.1428% | 533 |
| Return on Equity (ROE) | 13.5969% | 1,207 |
| Retained earnings to average equity (ytd only) | 13.5969% | 379 |
| Net charge-offs to loans | 0.0061% | 5,404 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 482.0000% | 84 |
| Efficiency ratio | 52.9297% | 6,429 |
| Assets per employee ($millions) | 4.7863% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,357 |
| Loan loss allowance to noncurrent loans | 5,764.2857% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 6,798 |
| Noncurrent loans to loans | 0.0208% | 6,638 |
| Net loans and leases to total assets | 73.1721% | 1,369 |
| Net loans and leases to deposits | 86.4126% | 1,546 |
| Net loans and leases to core deposits | 89.8779% | 2,001 |
| Total domestic deposits to total assets | 84.6776% | 4,013 |
| Equity capital to assets | 10.7457% | 3,398 |
| Core capital (leverage) ratio | 9.1832% | 4,636 |
| Tier 1 risk-based capital ratio | 11.4627% | 6,238 |
| Total risk-based capital ratio | 12.6225% | 6,271 |
| Memoranda: | ||
| Average total assets | $89,791,000 | 5,176 |
| Average earning assets | $80,021,670 | 5,204 |
| Average equity | $9,443,330 | 5,172 |
| Average total loans | $65,326,330 | 4,592 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 2,090 |
| Cost of funding earning assets | 0.7412% | 3,935 |
| Net interest margin | 4.1982% | 1,762 |
| Noninterest income to average assets | 0.6680% | 2,819 |
| Noninterest expense to average assets | 2.4659% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2733% | 1,528 |
| Return on assets (ROA) | 1.2733% | 1,699 |
| Pretax return on assets | 1.9099% | 864 |
| Return on Equity (ROE) | 12.2427% | 1,602 |
| Retained earnings to average equity (ytd only) | 12.2427% | 792 |
| Net charge-offs to loans | 0.0124% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 170 |
| Efficiency ratio | 56.3525% | 6,087 |
| Assets per employee ($millions) | 5.2091% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 5,002 |
| Loan loss allowance to noncurrent loans | 5,366.6667% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 6,872 |
| Noncurrent loans to loans | 0.0243% | 6,717 |
| Net loans and leases to total assets | 68.7614% | 1,977 |
| Net loans and leases to deposits | 78.3235% | 2,445 |
| Net loans and leases to core deposits | 81.4312% | 2,906 |
| Total domestic deposits to total assets | 87.7916% | 2,469 |
| Equity capital to assets | 10.6421% | 3,333 |
| Core capital (leverage) ratio | 8.8789% | 5,022 |
| Tier 1 risk-based capital ratio | 11.7752% | 6,106 |
| Total risk-based capital ratio | 13.0199% | 6,093 |
| Memoranda: | ||
| Average total assets | $89,217,000 | 5,236 |
| Average earning assets | $78,796,000 | 5,275 |
| Average equity | $9,279,000 | 5,222 |
| Average total loans | $64,315,000 | 4,654 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 1,316 |
| Cost of funding earning assets | 0.9602% | 3,641 |
| Net interest margin | 4.4841% | 1,174 |
| Noninterest income to average assets | 0.7678% | 2,246 |
| Noninterest expense to average assets | 2.5616% | 5,246 |
| Loan and lease loss provision to assets | 0.0907% | 5,454 |
| Net operating income to assets | 1.4311% | 967 |
| Return on assets (ROA) | 1.4311% | 1,049 |
| Pretax return on assets | 2.1725% | 389 |
| Return on Equity (ROE) | 13.6219% | 1,028 |
| Retained earnings to average equity (ytd only) | 4.8829% | 2,726 |
| Net charge-offs to loans | 0.0107% | 6,279 |
| Credit loss provision to net charge-offs | 1,128.5714% | 194 |
| Earnings coverage of net charge-offs (x) | 281.7143% | 126 |
| Efficiency ratio | 52.8544% | 6,626 |
| Assets per employee ($millions) | 5.2871% | 1,845 |
| Cash dividends to net income (ytd only)* | 64.1540% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 5,362 |
| Loan loss allowance to noncurrent loans | 960.7143% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 6,720 |
| Noncurrent loans to loans | 0.1255% | 6,492 |
| Net loans and leases to total assets | 73.5725% | 1,342 |
| Net loans and leases to deposits | 87.1951% | 1,491 |
| Net loans and leases to core deposits | 91.8137% | 1,905 |
| Total domestic deposits to total assets | 84.3769% | 4,153 |
| Equity capital to assets | 10.1624% | 3,956 |
| Core capital (leverage) ratio | 8.5681% | 5,449 |
| Tier 1 risk-based capital ratio | 10.5453% | 6,665 |
| Total risk-based capital ratio | 11.7065% | 6,685 |
| Memoranda: | ||
| Average total assets | $87,132,800 | 5,258 |
| Average earning assets | $78,834,800 | 5,265 |
| Average equity | $9,154,400 | 5,237 |
| Average total loans | $65,657,200 | 4,645 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5037% | 1,242 |
| Cost of funding earning assets | 1.0001% | 3,675 |
| Net interest margin | 4.5037% | 1,141 |
| Noninterest income to average assets | 0.7789% | 2,147 |
| Noninterest expense to average assets | 2.5603% | 5,235 |
| Loan and lease loss provision to assets | 0.0833% | 5,400 |
| Net operating income to assets | 1.4606% | 1,026 |
| Return on assets (ROA) | 1.4606% | 1,102 |
| Pretax return on assets | 2.2194% | 410 |
| Return on Equity (ROE) | 13.7850% | 1,087 |
| Retained earnings to average equity (ytd only) | 13.7850% | 307 |
| Net charge-offs to loans | -0.0163% | 6,863 |
| Credit loss provision to net charge-offs | -675.0000% | 6,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3945% | 6,642 |
| Assets per employee ($millions) | 4.5607% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 5,549 |
| Loan loss allowance to noncurrent loans | 408.7179% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 6,497 |
| Noncurrent loans to loans | 0.2890% | 6,272 |
| Net loans and leases to total assets | 76.9564% | 838 |
| Net loans and leases to deposits | 90.3983% | 1,168 |
| Net loans and leases to core deposits | 97.6740% | 1,449 |
| Total domestic deposits to total assets | 85.1303% | 3,709 |
| Equity capital to assets | 11.1491% | 3,004 |
| Core capital (leverage) ratio | 9.2482% | 4,546 |
| Tier 1 risk-based capital ratio | 11.2873% | 6,373 |
| Total risk-based capital ratio | 12.4354% | 6,425 |
| Memoranda: | ||
| Average total assets | $86,446,000 | 5,316 |
| Average earning assets | $78,393,250 | 5,316 |
| Average equity | $9,159,500 | 5,267 |
| Average total loans | $65,338,000 | 4,705 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4932% | 1,310 |
| Cost of funding earning assets | 1.0473% | 3,620 |
| Net interest margin | 4.4459% | 1,252 |
| Noninterest income to average assets | 0.7363% | 2,342 |
| Noninterest expense to average assets | 2.5400% | 5,394 |
| Loan and lease loss provision to assets | 0.0787% | 5,328 |
| Net operating income to assets | 1.3985% | 1,086 |
| Return on assets (ROA) | 1.3985% | 1,152 |
| Pretax return on assets | 2.1279% | 464 |
| Return on Equity (ROE) | 13.4337% | 1,105 |
| Retained earnings to average equity (ytd only) | 13.4337% | 359 |
| Net charge-offs to loans | -0.0093% | 6,672 |
| Credit loss provision to net charge-offs | -1,133.3333% | 6,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2683% | 6,688 |
| Assets per employee ($millions) | 4.5259% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,758 |
| Loan loss allowance to noncurrent loans | 1,135.2941% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 6,901 |
| Noncurrent loans to loans | 0.1014% | 6,719 |
| Net loans and leases to total assets | 77.0714% | 903 |
| Net loans and leases to deposits | 88.8240% | 1,392 |
| Net loans and leases to core deposits | 95.8743% | 1,695 |
| Total domestic deposits to total assets | 86.7687% | 2,875 |
| Equity capital to assets | 10.8567% | 3,123 |
| Core capital (leverage) ratio | 8.8278% | 5,004 |
| Tier 1 risk-based capital ratio | 10.9059% | 6,599 |
| Total risk-based capital ratio | 12.0313% | 6,648 |
| Memoranda: | ||
| Average total assets | $86,377,000 | 5,361 |
| Average earning assets | $77,914,330 | 5,372 |
| Average equity | $8,992,330 | 5,329 |
| Average total loans | $64,623,330 | 4,765 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 1,384 |
| Cost of funding earning assets | 1.0853% | 3,616 |
| Net interest margin | 4.3829% | 1,330 |
| Noninterest income to average assets | 0.7116% | 2,510 |
| Noninterest expense to average assets | 2.6153% | 5,166 |
| Loan and lease loss provision to assets | 0.0277% | 5,617 |
| Net operating income to assets | 1.2938% | 1,281 |
| Return on assets (ROA) | 1.2938% | 1,324 |
| Pretax return on assets | 1.9684% | 589 |
| Return on Equity (ROE) | 12.6977% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.6977% | 635 |
| Net charge-offs to loans | -0.0063% | 6,274 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4128% | 6,455 |
| Assets per employee ($millions) | 5.1288% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,765 |
| Loan loss allowance to noncurrent loans | 1,236.6667% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 6,990 |
| Noncurrent loans to loans | 0.0947% | 6,809 |
| Net loans and leases to total assets | 71.8030% | 1,763 |
| Net loans and leases to deposits | 82.1232% | 2,339 |
| Net loans and leases to core deposits | 88.1103% | 2,585 |
| Total domestic deposits to total assets | 87.4332% | 2,696 |
| Equity capital to assets | 10.2672% | 3,449 |
| Core capital (leverage) ratio | 8.2719% | 5,861 |
| Tier 1 risk-based capital ratio | 10.8399% | 6,616 |
| Total risk-based capital ratio | 11.9642% | 6,668 |
| Memoranda: | ||
| Average total assets | $86,569,000 | 5,390 |
| Average earning assets | $77,027,500 | 5,446 |
| Average equity | $8,820,500 | 5,382 |
| Average total loans | $63,411,000 | 4,854 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7629% | 1,371 |
| Cost of funding earning assets | 1.5044% | 2,613 |
| Net interest margin | 4.2585% | 1,964 |
| Noninterest income to average assets | 0.7011% | 2,833 |
| Noninterest expense to average assets | 2.4669% | 5,900 |
| Loan and lease loss provision to assets | 0.1113% | 6,042 |
| Net operating income to assets | 1.3367% | 1,091 |
| Return on assets (ROA) | 1.3367% | 1,158 |
| Pretax return on assets | 2.0171% | 463 |
| Return on Equity (ROE) | 13.1499% | 1,052 |
| Retained earnings to average equity (ytd only) | 1.8624% | 4,558 |
| Net charge-offs to loans | 0.0711% | 6,090 |
| Credit loss provision to net charge-offs | 210.8696% | 1,452 |
| Earnings coverage of net charge-offs (x) | 40.3261% | 581 |
| Efficiency ratio | 53.4332% | 6,855 |
| Assets per employee ($millions) | 5.0558% | 2,074 |
| Cash dividends to net income (ytd only)* | 85.8369% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 5,703 |
| Loan loss allowance to noncurrent loans | 3,675.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 7,185 |
| Noncurrent loans to loans | 0.0315% | 7,054 |
| Net loans and leases to total assets | 72.9976% | 1,871 |
| Net loans and leases to deposits | 83.3931% | 2,556 |
| Net loans and leases to core deposits | 89.5825% | 2,822 |
| Total domestic deposits to total assets | 87.5343% | 2,528 |
| Equity capital to assets | 10.1096% | 3,604 |
| Core capital (leverage) ratio | 7.9464% | 6,272 |
| Tier 1 risk-based capital ratio | 10.2658% | 6,838 |
| Total risk-based capital ratio | 11.3637% | 6,908 |
| Memoranda: | ||
| Average total assets | $87,154,600 | 5,372 |
| Average earning assets | $79,700,000 | 5,360 |
| Average equity | $8,859,400 | 5,461 |
| Average total loans | $64,710,200 | 4,879 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7668% | 1,493 |
| Cost of funding earning assets | 1.5524% | 2,657 |
| Net interest margin | 4.2144% | 2,173 |
| Noninterest income to average assets | 0.6342% | 3,226 |
| Noninterest expense to average assets | 2.3905% | 6,062 |
| Loan and lease loss provision to assets | 0.1326% | 5,703 |
| Net operating income to assets | 1.3157% | 1,309 |
| Return on assets (ROA) | 1.3157% | 1,380 |
| Pretax return on assets | 1.9849% | 634 |
| Return on Equity (ROE) | 12.9256% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.9256% | 353 |
| Net charge-offs to loans | 0.1579% | 5,052 |
| Credit loss provision to net charge-offs | 112.9870% | 3,721 |
| Earnings coverage of net charge-offs (x) | 18.0396% | 1,288 |
| Efficiency ratio | 52.7562% | 6,910 |
| Assets per employee ($millions) | 4.9490% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 6,177 |
| Loan loss allowance to noncurrent loans | 3,470.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 7,305 |
| Noncurrent loans to loans | 0.0302% | 7,177 |
| Net loans and leases to total assets | 73.5760% | 1,895 |
| Net loans and leases to deposits | 84.4888% | 2,621 |
| Net loans and leases to core deposits | 93.8151% | 2,548 |
| Total domestic deposits to total assets | 87.0838% | 2,478 |
| Equity capital to assets | 10.5476% | 3,471 |
| Core capital (leverage) ratio | 8.9043% | 4,844 |
| Tier 1 risk-based capital ratio | 10.8100% | 6,539 |
| Total risk-based capital ratio | 11.8014% | 6,723 |
| Memoranda: | ||
| Average total assets | $87,456,250 | 5,427 |
| Average earning assets | $80,388,500 | 5,393 |
| Average equity | $8,902,000 | 5,524 |
| Average total loans | $65,019,000 | 4,943 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7373% | 1,608 |
| Cost of funding earning assets | 1.5933% | 2,695 |
| Net interest margin | 4.1440% | 2,354 |
| Noninterest income to average assets | 0.5937% | 3,385 |
| Noninterest expense to average assets | 2.4070% | 6,051 |
| Loan and lease loss provision to assets | 0.0851% | 6,073 |
| Net operating income to assets | 1.2771% | 1,369 |
| Return on assets (ROA) | 1.2771% | 1,424 |
| Pretax return on assets | 1.9260% | 702 |
| Return on Equity (ROE) | 12.7041% | 1,312 |
| Retained earnings to average equity (ytd only) | 12.7041% | 413 |
| Net charge-offs to loans | 0.2414% | 4,152 |
| Credit loss provision to net charge-offs | 47.4359% | 5,474 |
| Earnings coverage of net charge-offs (x) | 11.2051% | 1,791 |
| Efficiency ratio | 54.2188% | 6,860 |
| Assets per employee ($millions) | 4.2525% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 6,478 |
| Loan loss allowance to noncurrent loans | 199.6894% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 6,489 |
| Noncurrent loans to loans | 0.4916% | 6,266 |
| Net loans and leases to total assets | 76.2610% | 1,437 |
| Net loans and leases to deposits | 88.1825% | 2,143 |
| Net loans and leases to core deposits | 97.9684% | 2,235 |
| Total domestic deposits to total assets | 86.4809% | 2,830 |
| Equity capital to assets | 10.6091% | 3,270 |
| Core capital (leverage) ratio | 8.5504% | 5,324 |
| Tier 1 risk-based capital ratio | 10.5395% | 6,654 |
| Total risk-based capital ratio | 11.4734% | 6,872 |
| Memoranda: | ||
| Average total assets | $86,914,330 | 5,486 |
| Average earning assets | $80,211,670 | 5,431 |
| Average equity | $8,737,330 | 5,577 |
| Average total loans | $64,613,000 | 4,995 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6591% | 1,923 |
| Cost of funding earning assets | 1.6324% | 2,756 |
| Net interest margin | 4.0267% | 2,758 |
| Noninterest income to average assets | 0.5009% | 4,043 |
| Noninterest expense to average assets | 2.3996% | 6,086 |
| Loan and lease loss provision to assets | 0.0637% | 6,006 |
| Net operating income to assets | 1.1566% | 1,658 |
| Return on assets (ROA) | 1.1566% | 1,735 |
| Pretax return on assets | 1.7440% | 978 |
| Return on Equity (ROE) | 11.8215% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.8215% | 776 |
| Net charge-offs to loans | 0.2805% | 3,290 |
| Credit loss provision to net charge-offs | 31.1111% | 4,794 |
| Earnings coverage of net charge-offs (x) | 8.8222% | 1,919 |
| Efficiency ratio | 56.7100% | 6,667 |
| Assets per employee ($millions) | 5.4193% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 6,285 |
| Loan loss allowance to noncurrent loans | 848.0519% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 7,265 |
| Noncurrent loans to loans | 0.1226% | 7,103 |
| Net loans and leases to total assets | 71.6719% | 2,527 |
| Net loans and leases to deposits | 82.6772% | 3,167 |
| Net loans and leases to core deposits | 92.3747% | 3,060 |
| Total domestic deposits to total assets | 86.6888% | 2,788 |
| Equity capital to assets | 10.0589% | 3,792 |
| Core capital (leverage) ratio | 8.0855% | 6,108 |
| Tier 1 risk-based capital ratio | 10.3881% | 6,726 |
| Total risk-based capital ratio | 11.3638% | 6,941 |
| Memoranda: | ||
| Average total assets | $87,846,500 | 5,518 |
| Average earning assets | $80,861,000 | 5,474 |
| Average equity | $8,594,500 | 5,661 |
| Average total loans | $64,168,000 | 5,077 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5274% | 635 |
| Cost of funding earning assets | 1.9184% | 3,360 |
| Net interest margin | 4.6090% | 964 |
| Noninterest income to average assets | 0.6621% | 3,207 |
| Noninterest expense to average assets | 2.5322% | 6,021 |
| Loan and lease loss provision to assets | 0.4471% | 4,147 |
| Net operating income to assets | 1.2736% | 1,087 |
| Return on assets (ROA) | 1.2736% | 1,144 |
| Pretax return on assets | 1.9161% | 492 |
| Return on Equity (ROE) | 13.1877% | 919 |
| Retained earnings to average equity (ytd only) | 1.2854% | 4,146 |
| Net charge-offs to loans | 0.5417% | 3,624 |
| Credit loss provision to net charge-offs | 109.5775% | 5,028 |
| Earnings coverage of net charge-offs (x) | 5.7915% | 2,502 |
| Efficiency ratio | 51.4910% | 7,433 |
| Assets per employee ($millions) | 5.2344% | 1,909 |
| Cash dividends to net income (ytd only)* | 90.2527% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 6,159 |
| Loan loss allowance to noncurrent loans | 430.1887% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 7,028 |
| Noncurrent loans to loans | 0.2426% | 6,820 |
| Net loans and leases to total assets | 72.8816% | 2,536 |
| Net loans and leases to deposits | 85.7549% | 2,956 |
| Net loans and leases to core deposits | 103.7349% | 3,599 |
| Total domestic deposits to total assets | 84.9883% | 3,553 |
| Equity capital to assets | 9.5152% | 4,394 |
| Core capital (leverage) ratio | 7.7222% | 6,536 |
| Tier 1 risk-based capital ratio | 9.5964% | 7,162 |
| Total risk-based capital ratio | 10.5768% | 7,301 |
| Memoranda: | ||
| Average total assets | $86,998,000 | 5,487 |
| Average earning assets | $79,909,600 | 5,461 |
| Average equity | $8,401,800 | 5,803 |
| Average total loans | $65,534,800 | 5,044 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5414% | 689 |
| Cost of funding earning assets | 1.9671% | 3,534 |
| Net interest margin | 4.5743% | 1,031 |
| Noninterest income to average assets | 0.6273% | 3,515 |
| Noninterest expense to average assets | 2.4400% | 6,278 |
| Loan and lease loss provision to assets | 0.4146% | 3,835 |
| Net operating income to assets | 1.3179% | 1,182 |
| Return on assets (ROA) | 1.3179% | 1,254 |
| Pretax return on assets | 1.9806% | 564 |
| Return on Equity (ROE) | 13.5945% | 1,001 |
| Retained earnings to average equity (ytd only) | 5.6445% | 2,132 |
| Net charge-offs to loans | 0.4415% | 3,476 |
| Credit loss provision to net charge-offs | 123.9631% | 4,070 |
| Earnings coverage of net charge-offs (x) | 7.1612% | 2,460 |
| Efficiency ratio | 50.2072% | 7,540 |
| Assets per employee ($millions) | 5.1225% | 2,000 |
| Cash dividends to net income (ytd only)* | 58.4796% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 6,031 |
| Loan loss allowance to noncurrent loans | 401.1429% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 7,023 |
| Noncurrent loans to loans | 0.2607% | 6,857 |
| Net loans and leases to total assets | 76.2856% | 1,936 |
| Net loans and leases to deposits | 94.2257% | 1,851 |
| Net loans and leases to core deposits | 108.7998% | 3,371 |
| Total domestic deposits to total assets | 80.9605% | 5,092 |
| Equity capital to assets | 10.0239% | 4,058 |
| Core capital (leverage) ratio | 8.1630% | 6,080 |
| Tier 1 risk-based capital ratio | 9.8195% | 7,121 |
| Total risk-based capital ratio | 10.8127% | 7,287 |
| Memoranda: | ||
| Average total assets | $86,501,500 | 5,537 |
| Average earning assets | $79,573,750 | 5,504 |
| Average equity | $8,385,500 | 5,859 |
| Average total loans | $65,534,250 | 5,083 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4538% | 912 |
| Cost of funding earning assets | 2.0342% | 3,600 |
| Net interest margin | 4.4196% | 1,365 |
| Noninterest income to average assets | 0.6210% | 3,535 |
| Noninterest expense to average assets | 2.4494% | 6,299 |
| Loan and lease loss provision to assets | 0.3337% | 3,937 |
| Net operating income to assets | 1.2583% | 1,335 |
| Return on assets (ROA) | 1.2583% | 1,412 |
| Pretax return on assets | 1.8909% | 710 |
| Return on Equity (ROE) | 13.1302% | 1,154 |
| Retained earnings to average equity (ytd only) | 1.0398% | 4,747 |
| Net charge-offs to loans | 0.4092% | 3,154 |
| Credit loss provision to net charge-offs | 108.2707% | 4,272 |
| Earnings coverage of net charge-offs (x) | 7.2180% | 2,477 |
| Efficiency ratio | 52.2558% | 7,497 |
| Assets per employee ($millions) | 5.0216% | 2,050 |
| Cash dividends to net income (ytd only)* | 92.0810% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,240 |
| Loan loss allowance to noncurrent loans | 146.2389% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 5,947 |
| Noncurrent loans to loans | 0.6841% | 5,880 |
| Net loans and leases to total assets | 76.6236% | 2,032 |
| Net loans and leases to deposits | 91.6353% | 2,539 |
| Net loans and leases to core deposits | 105.7813% | 3,860 |
| Total domestic deposits to total assets | 83.6180% | 3,957 |
| Equity capital to assets | 9.8070% | 4,204 |
| Core capital (leverage) ratio | 7.8003% | 6,613 |
| Tier 1 risk-based capital ratio | 9.3951% | 7,479 |
| Total risk-based capital ratio | 10.3317% | 7,664 |
| Memoranda: | ||
| Average total assets | $86,308,000 | 5,574 |
| Average earning assets | $79,147,670 | 5,562 |
| Average equity | $8,271,000 | 5,927 |
| Average total loans | $65,001,330 | 5,139 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3896% | 1,087 |
| Cost of funding earning assets | 2.0859% | 3,716 |
| Net interest margin | 4.3037% | 1,593 |
| Noninterest income to average assets | 0.5163% | 4,170 |
| Noninterest expense to average assets | 2.1849% | 6,905 |
| Loan and lease loss provision to assets | 0.2489% | 3,979 |
| Net operating income to assets | 1.3229% | 1,332 |
| Return on assets (ROA) | 1.3229% | 1,435 |
| Pretax return on assets | 1.9913% | 671 |
| Return on Equity (ROE) | 13.9651% | 1,176 |
| Retained earnings to average equity (ytd only) | -10.3643% | 7,142 |
| Net charge-offs to loans | 0.3102% | 2,865 |
| Credit loss provision to net charge-offs | 108.0000% | 3,549 |
| Earnings coverage of net charge-offs (x) | 9.7200% | 2,029 |
| Efficiency ratio | 49.2708% | 7,646 |
| Assets per employee ($millions) | 5.0309% | 2,038 |
| Cash dividends to net income (ytd only)* | 174.2160% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 6,075 |
| Loan loss allowance to noncurrent loans | 161.4815% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 5,998 |
| Noncurrent loans to loans | 0.6291% | 5,826 |
| Net loans and leases to total assets | 74.5104% | 2,616 |
| Net loans and leases to deposits | 88.8314% | 3,136 |
| Net loans and leases to core deposits | 102.9949% | 4,243 |
| Total domestic deposits to total assets | 83.8784% | 3,761 |
| Equity capital to assets | 9.4931% | 4,673 |
| Core capital (leverage) ratio | 7.5264% | 7,127 |
| Tier 1 risk-based capital ratio | 9.4069% | 7,507 |
| Total risk-based capital ratio | 10.3665% | 7,737 |
| Memoranda: | ||
| Average total assets | $86,778,000 | 5,583 |
| Average earning assets | $78,815,000 | 5,594 |
| Average equity | $8,220,500 | 5,981 |
| Average total loans | $64,465,500 | 5,184 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8312% | 1,583 |
| Cost of funding earning assets | 2.5864% | 3,751 |
| Net interest margin | 4.2448% | 2,133 |
| Noninterest income to average assets | 0.4056% | 5,425 |
| Noninterest expense to average assets | 2.0423% | 7,363 |
| Loan and lease loss provision to assets | 0.4198% | 3,185 |
| Net operating income to assets | 1.1935% | 1,794 |
| Return on assets (ROA) | 1.1943% | 1,723 |
| Pretax return on assets | 1.7968% | 951 |
| Return on Equity (ROE) | 12.8003% | 1,384 |
| Retained earnings to average equity (ytd only) | 11.5292% | 267 |
| Net charge-offs to loans | 0.3604% | 3,035 |
| Credit loss provision to net charge-offs | 159.4595% | 3,242 |
| Earnings coverage of net charge-offs (x) | 8.4144% | 2,885 |
| Efficiency ratio | 47.9666% | 7,810 |
| Assets per employee ($millions) | 5.1783% | 1,748 |
| Cash dividends to net income (ytd only)* | 9.9305% | 4,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 5,974 |
| Loan loss allowance to noncurrent loans | 205.6962% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 6,056 |
| Noncurrent loans to loans | 0.4895% | 5,882 |
| Net loans and leases to total assets | 72.5903% | 3,464 |
| Net loans and leases to deposits | 89.8762% | 3,477 |
| Net loans and leases to core deposits | 102.7859% | 4,524 |
| Total domestic deposits to total assets | 80.7670% | 4,741 |
| Equity capital to assets | 9.4535% | 4,751 |
| Core capital (leverage) ratio | 7.9270% | 6,606 |
| Tier 1 risk-based capital ratio | 9.8545% | 6,899 |
| Total risk-based capital ratio | 10.8106% | 7,149 |
| Memoranda: | ||
| Average total assets | $84,317,600 | 5,549 |
| Average earning assets | $76,516,400 | 5,564 |
| Average equity | $7,867,000 | 6,143 |
| Average total loans | $61,604,400 | 5,197 |