Home > First State Bank of Sauk Centre > Performance and Condition Ratios
First State Bank of Sauk Centre, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9878% | 3,986 |
| Cost of funding earning assets | 1.5673% | 1,777 |
| Net interest margin | 2.4205% | 4,168 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8437% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4801% | 3,709 |
| Return on assets (ROA) | 0.4966% | 3,676 |
| Pretax return on assets | 0.6927% | 3,455 |
| Return on Equity (ROE) | 5.7900% | 3,567 |
| Retained earnings to average equity (ytd only) | -0.1461% | 4,101 |
| Net charge-offs to loans | 0.0263% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 1,343 |
| Efficiency ratio | 73.2928% | 1,527 |
| Assets per employee ($millions) | 10.7930% | 564 |
| Cash dividends to net income (ytd only)* | 102.5210% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 2,501 |
| Loan loss allowance to noncurrent loans | 382.4000% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,493 |
| Noncurrent loans to loans | 0.3034% | 2,099 |
| Net loans and leases to total assets | 50.3100% | 3,580 |
| Net loans and leases to deposits | 65.3912% | 3,209 |
| Net loans and leases to core deposits | 70.5790% | 3,272 |
| Total domestic deposits to total assets | 76.9300% | 3,853 |
| Equity capital to assets | 8.0194% | 3,402 |
| Core capital (leverage) ratio | 10.5631% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3835% | 1,015 |
| Memoranda: | ||
| Average total assets | $143,788,000 | 3,426 |
| Average earning assets | $136,668,000 | 3,374 |
| Average equity | $12,323,400 | 3,499 |
| Average total loans | $79,977,600 | 3,407 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,865 |
| Cost of funding earning assets | 1.4874% | 1,645 |
| Net interest margin | 2.5021% | 4,142 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.9455% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4697% | 3,825 |
| Return on assets (ROA) | 0.4825% | 3,802 |
| Pretax return on assets | 0.6711% | 3,603 |
| Return on Equity (ROE) | 5.5300% | 3,727 |
| Retained earnings to average equity (ytd only) | -2.5002% | 4,344 |
| Net charge-offs to loans | 0.0353% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 32.5714% | 1,553 |
| Efficiency ratio | 74.8159% | 1,288 |
| Assets per employee ($millions) | 9.1424% | 886 |
| Cash dividends to net income (ytd only)* | 145.2381% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,326 |
| Loan loss allowance to noncurrent loans | 377.8656% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,363 |
| Noncurrent loans to loans | 0.3193% | 2,087 |
| Net loans and leases to total assets | 57.0800% | 3,107 |
| Net loans and leases to deposits | 64.3815% | 3,239 |
| Net loans and leases to core deposits | 68.3894% | 3,300 |
| Total domestic deposits to total assets | 88.6700% | 1,352 |
| Equity capital to assets | 8.6236% | 2,650 |
| Core capital (leverage) ratio | 10.4649% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $139,261,250 | 3,476 |
| Average earning assets | $132,043,500 | 3,435 |
| Average equity | $12,158,500 | 3,515 |
| Average total loans | $79,371,500 | 3,426 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 3,912 |
| Cost of funding earning assets | 1.3834% | 1,492 |
| Net interest margin | 2.4928% | 4,214 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.9361% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4751% | 3,861 |
| Return on assets (ROA) | 0.4887% | 3,836 |
| Pretax return on assets | 0.6816% | 3,638 |
| Return on Equity (ROE) | 5.5700% | 3,783 |
| Retained earnings to average equity (ytd only) | -0.3912% | 4,153 |
| Net charge-offs to loans | 0.0504% | 1,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,677 |
| Efficiency ratio | 74.4505% | 1,302 |
| Assets per employee ($millions) | 9.2089% | 849 |
| Cash dividends to net income (ytd only)* | 107.0175% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,354 |
| Loan loss allowance to noncurrent loans | 378.2609% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 2,279 |
| Noncurrent loans to loans | 0.3224% | 1,979 |
| Net loans and leases to total assets | 56.1100% | 3,116 |
| Net loans and leases to deposits | 62.0422% | 3,304 |
| Net loans and leases to core deposits | 65.4701% | 3,379 |
| Total domestic deposits to total assets | 90.4400% | 803 |
| Equity capital to assets | 8.8625% | 2,620 |
| Core capital (leverage) ratio | 10.6993% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $139,969,667 | 3,478 |
| Average earning assets | $132,861,333 | 3,439 |
| Average equity | $12,269,333 | 3,512 |
| Average total loans | $79,415,333 | 3,423 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 3,964 |
| Cost of funding earning assets | 1.1881% | 1,483 |
| Net interest margin | 2.5527% | 4,254 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.8795% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5423% | 3,804 |
| Return on assets (ROA) | 0.5423% | 3,767 |
| Pretax return on assets | 0.7580% | 3,547 |
| Return on Equity (ROE) | 6.2200% | 3,671 |
| Retained earnings to average equity (ytd only) | -5.6989% | 4,357 |
| Net charge-offs to loans | -0.0050% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.2594% | 1,604 |
| Assets per employee ($millions) | 8.7414% | 1,037 |
| Cash dividends to net income (ytd only)* | 191.6230% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,392 |
| Loan loss allowance to noncurrent loans | 310.4762% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 1,999 |
| Noncurrent loans to loans | 0.3962% | 1,744 |
| Net loans and leases to total assets | 56.1500% | 3,029 |
| Net loans and leases to deposits | 64.5343% | 3,043 |
| Net loans and leases to core deposits | 68.2219% | 3,080 |
| Total domestic deposits to total assets | 87.0100% | 2,257 |
| Equity capital to assets | 8.9874% | 2,530 |
| Core capital (leverage) ratio | 10.1764% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $140,888,000 | 3,513 |
| Average earning assets | $133,662,000 | 3,472 |
| Average equity | $12,283,000 | 3,549 |
| Average total loans | $79,889,500 | 3,451 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 3,237 |
| Cost of funding earning assets | 0.5376% | 1,174 |
| Net interest margin | 2.9019% | 3,677 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.4488% | 4,471 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0653% | 2,320 |
| Return on assets (ROA) | 1.0653% | 2,263 |
| Pretax return on assets | 1.4932% | 1,475 |
| Return on Equity (ROE) | 11.4300% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.7759% | 2,726 |
| Net charge-offs to loans | 0.0026% | 2,409 |
| Credit loss provision to net charge-offs | 600.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 1,032.0000% | 174 |
| Efficiency ratio | 48.8039% | 4,198 |
| Assets per employee ($millions) | 8.3479% | 1,169 |
| Cash dividends to net income (ytd only)* | 49.4536% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,311 |
| Loan loss allowance to noncurrent loans | 350.1792% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,190 |
| Noncurrent loans to loans | 0.3476% | 1,898 |
| Net loans and leases to total assets | 55.8700% | 3,044 |
| Net loans and leases to deposits | 61.9702% | 3,200 |
| Net loans and leases to core deposits | 65.9143% | 3,136 |
| Total domestic deposits to total assets | 90.1600% | 1,286 |
| Equity capital to assets | 8.4530% | 2,731 |
| Core capital (leverage) ratio | 10.2533% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $137,424,400 | 3,558 |
| Average earning assets | $130,776,800 | 3,522 |
| Average equity | $12,811,800 | 3,589 |
| Average total loans | $76,428,000 | 3,465 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2988% | 3,176 |
| Cost of funding earning assets | 0.3583% | 1,634 |
| Net interest margin | 2.9405% | 3,381 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.6668% | 4,209 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9352% | 2,739 |
| Return on assets (ROA) | 0.9352% | 2,701 |
| Pretax return on assets | 1.3078% | 2,024 |
| Return on Equity (ROE) | 9.7900% | 2,792 |
| Retained earnings to average equity (ytd only) | 2.3765% | 3,942 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.4209% | 3,678 |
| Assets per employee ($millions) | 8.0944% | 1,276 |
| Cash dividends to net income (ytd only)* | 75.7322% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,131 |
| Loan loss allowance to noncurrent loans | 447.0320% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 2,503 |
| Noncurrent loans to loans | 0.2862% | 2,221 |
| Net loans and leases to total assets | 54.8900% | 3,017 |
| Net loans and leases to deposits | 62.9788% | 2,948 |
| Net loans and leases to core deposits | 66.2809% | 2,937 |
| Total domestic deposits to total assets | 87.1600% | 2,708 |
| Equity capital to assets | 8.3123% | 2,671 |
| Core capital (leverage) ratio | 10.5845% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $136,302,000 | 3,594 |
| Average earning assets | $129,861,000 | 3,550 |
| Average equity | $13,015,750 | 3,612 |
| Average total loans | $75,468,500 | 3,488 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1553% | 3,173 |
| Cost of funding earning assets | 0.3191% | 1,538 |
| Net interest margin | 2.8362% | 3,325 |
| Noninterest income to average assets | 0.1855% | 4,077 |
| Noninterest expense to average assets | 1.6516% | 4,209 |
| Loan and lease loss provision to assets | 0.0177% | 2,285 |
| Net operating income to assets | 0.8759% | 2,684 |
| Return on assets (ROA) | 0.8759% | 2,659 |
| Pretax return on assets | 1.2247% | 1,986 |
| Return on Equity (ROE) | 8.7877% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.7877% | 1,349 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4598% | 3,731 |
| Assets per employee ($millions) | 7.5526% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.6900% | 2,997 |
| Net loans and leases to deposits | 59.8696% | 3,057 |
| Net loans and leases to core deposits | 63.2622% | 3,022 |
| Total domestic deposits to total assets | 89.6783% | 1,855 |
| Equity capital to assets | 9.3625% | 2,120 |
| Core capital (leverage) ratio | 10.7463% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,868,000 | 3,638 |
| Average earning assets | $129,751,333 | 3,601 |
| Average equity | $13,541,667 | 3,629 |
| Average total loans | $75,120,667 | 3,528 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0589% | 3,087 |
| Cost of funding earning assets | 0.3139% | 1,526 |
| Net interest margin | 2.7450% | 3,298 |
| Noninterest income to average assets | 0.1914% | 4,012 |
| Noninterest expense to average assets | 1.6521% | 4,209 |
| Loan and lease loss provision to assets | 0.0353% | 1,729 |
| Net operating income to assets | 0.7303% | 2,933 |
| Return on assets (ROA) | 0.7303% | 2,924 |
| Pretax return on assets | 1.1308% | 2,046 |
| Return on Equity (ROE) | 7.1119% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.1119% | 1,855 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3668% | 3,747 |
| Assets per employee ($millions) | 8.1419% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.2526% | 2,850 |
| Net loans and leases to deposits | 59.5721% | 2,947 |
| Net loans and leases to core deposits | 62.6758% | 2,918 |
| Total domestic deposits to total assets | 89.3918% | 1,871 |
| Equity capital to assets | 9.6668% | 2,164 |
| Core capital (leverage) ratio | 10.5328% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,828,500 | 3,659 |
| Average earning assets | $129,983,000 | 3,608 |
| Average equity | $13,948,500 | 3,664 |
| Average total loans | $75,696,500 | 3,528 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 2,615 |
| Cost of funding earning assets | 0.3887% | 1,620 |
| Net interest margin | 3.1265% | 2,816 |
| Noninterest income to average assets | 0.1727% | 4,291 |
| Noninterest expense to average assets | 1.6818% | 4,319 |
| Loan and lease loss provision to assets | 0.0534% | 1,988 |
| Net operating income to assets | 1.0065% | 2,643 |
| Return on assets (ROA) | 1.0733% | 2,473 |
| Pretax return on assets | 1.5032% | 1,717 |
| Return on Equity (ROE) | 9.0405% | 2,899 |
| Retained earnings to average equity (ytd only) | -8.9281% | 4,755 |
| Net charge-offs to loans | 0.0012% | 2,622 |
| Credit loss provision to net charge-offs | 7,200.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 1,986.0000% | 68 |
| Efficiency ratio | 51.5394% | 4,153 |
| Assets per employee ($millions) | 7.8379% | 1,424 |
| Cash dividends to net income (ytd only)* | 198.7569% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.8419% | 2,497 |
| Net loans and leases to deposits | 64.9981% | 2,594 |
| Net loans and leases to core deposits | 68.2782% | 2,625 |
| Total domestic deposits to total assets | 87.4517% | 2,312 |
| Equity capital to assets | 10.8950% | 1,859 |
| Core capital (leverage) ratio | 10.1457% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,911,000 | 3,632 |
| Average earning assets | $128,642,000 | 3,593 |
| Average equity | $16,016,800 | 3,542 |
| Average total loans | $80,579,200 | 3,475 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 2,549 |
| Cost of funding earning assets | 0.4087% | 1,635 |
| Net interest margin | 3.1949% | 2,745 |
| Noninterest income to average assets | 0.1704% | 4,352 |
| Noninterest expense to average assets | 1.6680% | 4,376 |
| Loan and lease loss provision to assets | 0.0532% | 1,919 |
| Net operating income to assets | 1.0581% | 2,702 |
| Return on assets (ROA) | 1.1468% | 2,438 |
| Pretax return on assets | 1.6040% | 1,689 |
| Return on Equity (ROE) | 9.4679% | 2,945 |
| Retained earnings to average equity (ytd only) | 2.3344% | 4,102 |
| Net charge-offs to loans | 0.0016% | 2,351 |
| Credit loss provision to net charge-offs | 5,400.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 1,568.0000% | 92 |
| Efficiency ratio | 50.1687% | 4,209 |
| Assets per employee ($millions) | 7.5275% | 1,547 |
| Cash dividends to net income (ytd only)* | 75.3436% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.6995% | 2,536 |
| Net loans and leases to deposits | 66.9722% | 2,546 |
| Net loans and leases to core deposits | 70.6648% | 2,538 |
| Total domestic deposits to total assets | 86.1545% | 2,690 |
| Equity capital to assets | 12.1576% | 1,329 |
| Core capital (leverage) ratio | 11.3103% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6055% | 733 |
| Memoranda: | ||
| Average total assets | $135,327,500 | 3,664 |
| Average earning assets | $128,870,000 | 3,626 |
| Average equity | $16,391,750 | 3,560 |
| Average total loans | $81,547,500 | 3,499 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 2,869 |
| Cost of funding earning assets | 0.4332% | 1,635 |
| Net interest margin | 3.0757% | 3,099 |
| Noninterest income to average assets | 0.1582% | 4,406 |
| Noninterest expense to average assets | 1.6604% | 4,429 |
| Loan and lease loss provision to assets | 0.0532% | 1,972 |
| Net operating income to assets | 0.9773% | 2,971 |
| Return on assets (ROA) | 1.0216% | 2,895 |
| Pretax return on assets | 1.4297% | 2,241 |
| Return on Equity (ROE) | 8.4450% | 3,273 |
| Retained earnings to average equity (ytd only) | 4.0331% | 3,504 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9636% | 4,051 |
| Assets per employee ($millions) | 7.2659% | 1,619 |
| Cash dividends to net income (ytd only)* | 52.2431% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.3892% | 2,610 |
| Net loans and leases to deposits | 67.6026% | 2,658 |
| Net loans and leases to core deposits | 70.9959% | 2,688 |
| Total domestic deposits to total assets | 86.3712% | 2,601 |
| Equity capital to assets | 11.9816% | 1,368 |
| Core capital (leverage) ratio | 11.2560% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4316% | 764 |
| Memoranda: | ||
| Average total assets | $135,271,667 | 3,683 |
| Average earning assets | $128,816,333 | 3,640 |
| Average equity | $16,364,667 | 3,569 |
| Average total loans | $82,353,667 | 3,509 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3605% | 3,307 |
| Cost of funding earning assets | 0.4612% | 1,646 |
| Net interest margin | 2.8992% | 3,527 |
| Noninterest income to average assets | 0.1494% | 4,453 |
| Noninterest expense to average assets | 1.7120% | 4,354 |
| Loan and lease loss provision to assets | 0.0538% | 2,031 |
| Net operating income to assets | 0.8156% | 3,371 |
| Return on assets (ROA) | 0.8156% | 3,442 |
| Pretax return on assets | 1.1443% | 3,004 |
| Return on Equity (ROE) | 6.7091% | 3,675 |
| Retained earnings to average equity (ytd only) | -2.1626% | 4,547 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8789% | 3,441 |
| Assets per employee ($millions) | 7.2990% | 1,587 |
| Cash dividends to net income (ytd only)* | 132.2344% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.4133% | 2,615 |
| Net loans and leases to deposits | 68.7375% | 2,623 |
| Net loans and leases to core deposits | 71.6173% | 2,735 |
| Total domestic deposits to total assets | 86.4351% | 2,556 |
| Equity capital to assets | 11.6087% | 1,482 |
| Core capital (leverage) ratio | 11.1482% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,881,000 | 3,699 |
| Average earning assets | $127,481,500 | 3,653 |
| Average equity | $16,276,500 | 3,581 |
| Average total loans | $82,760,500 | 3,513 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 2,448 |
| Cost of funding earning assets | 0.6667% | 1,893 |
| Net interest margin | 3.4241% | 2,696 |
| Noninterest income to average assets | 0.1814% | 4,379 |
| Noninterest expense to average assets | 1.9110% | 4,304 |
| Loan and lease loss provision to assets | 0.0596% | 3,624 |
| Net operating income to assets | 1.1000% | 1,925 |
| Return on assets (ROA) | 1.1000% | 2,044 |
| Pretax return on assets | 1.4438% | 1,530 |
| Return on Equity (ROE) | 8.2356% | 2,721 |
| Retained earnings to average equity (ytd only) | 3.5969% | 3,038 |
| Net charge-offs to loans | -0.0085% | 4,227 |
| Credit loss provision to net charge-offs | -1,028.5714% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1485% | 4,198 |
| Assets per employee ($millions) | 6.7937% | 1,713 |
| Cash dividends to net income (ytd only)* | 56.3253% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 62.9961% | 2,489 |
| Net loans and leases to deposits | 73.7620% | 2,510 |
| Net loans and leases to core deposits | 77.5036% | 2,594 |
| Total domestic deposits to total assets | 85.4045% | 2,613 |
| Equity capital to assets | 12.7470% | 1,202 |
| Core capital (leverage) ratio | 12.0157% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,722,000 | 3,738 |
| Average earning assets | $113,987,800 | 3,709 |
| Average equity | $16,125,200 | 3,538 |
| Average total loans | $81,978,800 | 3,520 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,556 |
| Cost of funding earning assets | 0.7114% | 1,954 |
| Net interest margin | 3.4285% | 2,820 |
| Noninterest income to average assets | 0.2102% | 4,219 |
| Noninterest expense to average assets | 1.9825% | 4,195 |
| Loan and lease loss provision to assets | 0.0607% | 3,584 |
| Net operating income to assets | 1.0969% | 1,991 |
| Return on assets (ROA) | 1.0969% | 2,121 |
| Pretax return on assets | 1.4004% | 1,728 |
| Return on Equity (ROE) | 8.1113% | 2,767 |
| Retained earnings to average equity (ytd only) | 1.9281% | 3,953 |
| Net charge-offs to loans | -0.0114% | 4,256 |
| Credit loss provision to net charge-offs | -771.4286% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7441% | 3,950 |
| Assets per employee ($millions) | 6.6939% | 1,676 |
| Cash dividends to net income (ytd only)* | 76.2295% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 67.7179% | 2,282 |
| Net loans and leases to deposits | 79.4867% | 2,375 |
| Net loans and leases to core deposits | 83.3845% | 2,538 |
| Total domestic deposits to total assets | 85.1940% | 2,363 |
| Equity capital to assets | 12.6910% | 1,337 |
| Core capital (leverage) ratio | 11.8938% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,632,250 | 3,759 |
| Average earning assets | $111,882,250 | 3,726 |
| Average equity | $16,043,000 | 3,546 |
| Average total loans | $81,920,500 | 3,541 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 2,567 |
| Cost of funding earning assets | 0.7615% | 2,040 |
| Net interest margin | 3.5013% | 2,780 |
| Noninterest income to average assets | 0.2056% | 4,247 |
| Noninterest expense to average assets | 1.9865% | 4,256 |
| Loan and lease loss provision to assets | 0.0622% | 3,519 |
| Net operating income to assets | 1.1867% | 1,678 |
| Return on assets (ROA) | 1.1867% | 1,810 |
| Pretax return on assets | 1.4527% | 1,583 |
| Return on Equity (ROE) | 8.5820% | 2,532 |
| Retained earnings to average equity (ytd only) | 3.8350% | 2,993 |
| Net charge-offs to loans | -0.0125% | 4,267 |
| Credit loss provision to net charge-offs | -720.0000% | 3,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8594% | 4,079 |
| Assets per employee ($millions) | 6.5123% | 1,771 |
| Cash dividends to net income (ytd only)* | 55.3130% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 67.5514% | 2,430 |
| Net loans and leases to deposits | 79.4578% | 2,494 |
| Net loans and leases to core deposits | 82.9708% | 2,696 |
| Total domestic deposits to total assets | 85.0154% | 2,396 |
| Equity capital to assets | 13.1257% | 1,112 |
| Core capital (leverage) ratio | 12.2969% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,781,333 | 3,775 |
| Average earning assets | $108,989,333 | 3,756 |
| Average equity | $16,010,333 | 3,550 |
| Average total loans | $80,225,667 | 3,567 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 2,562 |
| Cost of funding earning assets | 0.8217% | 2,270 |
| Net interest margin | 3.5950% | 2,680 |
| Noninterest income to average assets | 0.2469% | 4,078 |
| Noninterest expense to average assets | 1.9820% | 4,432 |
| Loan and lease loss provision to assets | 0.0644% | 2,957 |
| Net operating income to assets | 1.4275% | 929 |
| Return on assets (ROA) | 1.4275% | 1,000 |
| Pretax return on assets | 1.5813% | 1,108 |
| Return on Equity (ROE) | 10.0409% | 1,739 |
| Retained earnings to average equity (ytd only) | 0.7046% | 3,818 |
| Net charge-offs to loans | -0.0154% | 4,228 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6351% | 4,343 |
| Assets per employee ($millions) | 5.9997% | 1,685 |
| Cash dividends to net income (ytd only)* | 92.9825% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,269 |
| Loan loss allowance to noncurrent loans | 7,618.1818% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,597 |
| Noncurrent loans to loans | 0.0143% | 4,509 |
| Net loans and leases to total assets | 66.7921% | 2,723 |
| Net loans and leases to deposits | 79.9284% | 2,689 |
| Net loans and leases to core deposits | 83.6058% | 2,884 |
| Total domestic deposits to total assets | 83.5649% | 2,927 |
| Equity capital to assets | 13.9928% | 1,060 |
| Core capital (leverage) ratio | 13.0942% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6756% | 676 |
| Memoranda: | ||
| Average total assets | $111,805,000 | 3,817 |
| Average earning assets | $105,145,000 | 3,800 |
| Average equity | $15,895,000 | 3,563 |
| Average total loans | $78,117,500 | 3,614 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 2,053 |
| Cost of funding earning assets | 0.8893% | 2,236 |
| Net interest margin | 3.9062% | 2,156 |
| Noninterest income to average assets | 0.2427% | 4,225 |
| Noninterest expense to average assets | 2.0233% | 4,492 |
| Loan and lease loss provision to assets | 0.0654% | 2,713 |
| Net operating income to assets | 1.7751% | 553 |
| Return on assets (ROA) | 1.7751% | 588 |
| Pretax return on assets | 1.7751% | 1,004 |
| Return on Equity (ROE) | 12.9163% | 1,190 |
| Retained earnings to average equity (ytd only) | 7.6255% | 1,106 |
| Net charge-offs to loans | 0.0558% | 2,305 |
| Credit loss provision to net charge-offs | 160.0000% | 1,611 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,212 |
| Efficiency ratio | 50.5763% | 4,702 |
| Assets per employee ($millions) | 5.2198% | 2,327 |
| Cash dividends to net income (ytd only)* | 40.9626% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.5598% | 2,159 |
| Net loans and leases to deposits | 84.0388% | 2,330 |
| Net loans and leases to core deposits | 87.7701% | 2,626 |
| Total domestic deposits to total assets | 85.1509% | 2,438 |
| Equity capital to assets | 14.4495% | 948 |
| Core capital (leverage) ratio | 12.7636% | 1,347 |
| Tier 1 risk-based capital ratio | 19.0373% | 1,505 |
| Total risk-based capital ratio | 20.1264% | 1,514 |
| Memoranda: | ||
| Average total assets | $110,020,000 | 3,833 |
| Average earning assets | $101,990,600 | 3,836 |
| Average equity | $15,120,400 | 3,628 |
| Average total loans | $80,631,200 | 3,591 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 2,194 |
| Cost of funding earning assets | 0.8802% | 2,318 |
| Net interest margin | 3.8955% | 2,270 |
| Noninterest income to average assets | 0.2446% | 4,271 |
| Noninterest expense to average assets | 1.9990% | 4,559 |
| Loan and lease loss provision to assets | 0.0654% | 2,584 |
| Net operating income to assets | 1.7810% | 637 |
| Return on assets (ROA) | 1.7810% | 670 |
| Pretax return on assets | 1.7810% | 1,137 |
| Return on Equity (ROE) | 13.1271% | 1,228 |
| Retained earnings to average equity (ytd only) | 6.1218% | 2,317 |
| Net charge-offs to loans | 0.0774% | 1,719 |
| Credit loss provision to net charge-offs | 114.8936% | 2,027 |
| Earnings coverage of net charge-offs (x) | 32.4442% | 1,562 |
| Efficiency ratio | 50.2204% | 4,729 |
| Assets per employee ($millions) | 5.3218% | 2,190 |
| Cash dividends to net income (ytd only)* | 53.3651% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.5489% | 1,910 |
| Net loans and leases to deposits | 85.9791% | 2,190 |
| Net loans and leases to core deposits | 89.4426% | 2,592 |
| Total domestic deposits to total assets | 85.5427% | 2,188 |
| Equity capital to assets | 13.7647% | 1,249 |
| Core capital (leverage) ratio | 12.6995% | 1,484 |
| Tier 1 risk-based capital ratio | 17.8139% | 1,871 |
| Total risk-based capital ratio | 18.8418% | 1,887 |
| Memoranda: | ||
| Average total assets | $110,121,000 | 3,872 |
| Average earning assets | $101,790,750 | 3,880 |
| Average equity | $14,940,750 | 3,678 |
| Average total loans | $80,974,500 | 3,626 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 2,182 |
| Cost of funding earning assets | 0.8582% | 2,361 |
| Net interest margin | 3.9036% | 2,233 |
| Noninterest income to average assets | 0.2482% | 4,263 |
| Noninterest expense to average assets | 1.9822% | 4,634 |
| Loan and lease loss provision to assets | 0.0657% | 2,505 |
| Net operating income to assets | 1.8033% | 589 |
| Return on assets (ROA) | 1.8033% | 614 |
| Pretax return on assets | 1.8033% | 1,022 |
| Return on Equity (ROE) | 13.3574% | 1,136 |
| Retained earnings to average equity (ytd only) | 7.8684% | 1,441 |
| Net charge-offs to loans | 0.1245% | 1,197 |
| Credit loss provision to net charge-offs | 72.0000% | 2,307 |
| Earnings coverage of net charge-offs (x) | 20.4800% | 1,771 |
| Efficiency ratio | 49.6682% | 4,799 |
| Assets per employee ($millions) | 5.2189% | 2,238 |
| Cash dividends to net income (ytd only)* | 41.0931% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 3,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 74.2518% | 1,849 |
| Net loans and leases to deposits | 86.6745% | 2,177 |
| Net loans and leases to core deposits | 90.0049% | 2,602 |
| Total domestic deposits to total assets | 85.6674% | 2,192 |
| Equity capital to assets | 13.9357% | 1,139 |
| Core capital (leverage) ratio | 12.7244% | 1,431 |
| Tier 1 risk-based capital ratio | 17.7012% | 1,879 |
| Total risk-based capital ratio | 18.7044% | 1,912 |
| Memoranda: | ||
| Average total assets | $109,575,670 | 3,905 |
| Average earning assets | $101,137,330 | 3,914 |
| Average equity | $14,793,330 | 3,695 |
| Average total loans | $80,302,000 | 3,654 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 2,248 |
| Cost of funding earning assets | 0.8115% | 2,472 |
| Net interest margin | 3.8825% | 2,244 |
| Noninterest income to average assets | 0.2446% | 4,256 |
| Noninterest expense to average assets | 1.9495% | 4,734 |
| Loan and lease loss provision to assets | 0.0657% | 2,351 |
| Net operating income to assets | 1.7925% | 584 |
| Return on assets (ROA) | 1.7925% | 603 |
| Pretax return on assets | 1.7925% | 989 |
| Return on Equity (ROE) | 13.4950% | 1,084 |
| Retained earnings to average equity (ytd only) | 2.9409% | 3,759 |
| Net charge-offs to loans | 0.2570% | 567 |
| Credit loss provision to net charge-offs | 35.2941% | 2,060 |
| Earnings coverage of net charge-offs (x) | 9.9804% | 1,987 |
| Efficiency ratio | 49.3768% | 4,865 |
| Assets per employee ($millions) | 5.6830% | 1,810 |
| Cash dividends to net income (ytd only)* | 78.2077% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,996 |
| Loan loss allowance to noncurrent loans | 12,616.6667% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,854 |
| Noncurrent loans to loans | 0.0075% | 4,763 |
| Net loans and leases to total assets | 73.8787% | 1,832 |
| Net loans and leases to deposits | 86.1078% | 2,123 |
| Net loans and leases to core deposits | 89.9397% | 2,511 |
| Total domestic deposits to total assets | 85.7979% | 2,364 |
| Equity capital to assets | 13.5566% | 1,188 |
| Core capital (leverage) ratio | 12.3856% | 1,566 |
| Tier 1 risk-based capital ratio | 17.2418% | 2,040 |
| Total risk-based capital ratio | 18.2321% | 2,061 |
| Memoranda: | ||
| Average total assets | $109,565,500 | 3,945 |
| Average earning assets | $100,553,000 | 3,963 |
| Average equity | $14,553,500 | 3,733 |
| Average total loans | $79,377,000 | 3,709 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 2,676 |
| Cost of funding earning assets | 0.6400% | 2,461 |
| Net interest margin | 3.7862% | 2,713 |
| Noninterest income to average assets | 0.2441% | 4,460 |
| Noninterest expense to average assets | 1.9825% | 4,781 |
| Loan and lease loss provision to assets | 0.0671% | 2,812 |
| Net operating income to assets | 1.7216% | 652 |
| Return on assets (ROA) | 1.7216% | 651 |
| Pretax return on assets | 1.7216% | 1,110 |
| Return on Equity (ROE) | 13.3228% | 1,227 |
| Retained earnings to average equity (ytd only) | 6.3658% | 1,997 |
| Net charge-offs to loans | 0.0013% | 3,721 |
| Credit loss provision to net charge-offs | 7,200.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 1,920.0000% | 49 |
| Efficiency ratio | 52.5692% | 4,749 |
| Assets per employee ($millions) | 5.8502% | 1,626 |
| Cash dividends to net income (ytd only)* | 52.2186% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,620 |
| Loan loss allowance to noncurrent loans | 1,462.9630% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 4,604 |
| Noncurrent loans to loans | 0.0690% | 4,443 |
| Net loans and leases to total assets | 69.6646% | 2,617 |
| Net loans and leases to deposits | 80.3576% | 2,915 |
| Net loans and leases to core deposits | 84.5010% | 3,033 |
| Total domestic deposits to total assets | 86.6932% | 1,920 |
| Equity capital to assets | 13.0171% | 1,338 |
| Core capital (leverage) ratio | 11.7589% | 1,907 |
| Tier 1 risk-based capital ratio | 17.5894% | 1,875 |
| Total risk-based capital ratio | 18.6539% | 1,879 |
| Memoranda: | ||
| Average total assets | $107,339,600 | 3,977 |
| Average earning assets | $99,994,200 | 3,975 |
| Average equity | $13,871,000 | 3,765 |
| Average total loans | $76,493,400 | 3,740 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3229% | 2,875 |
| Cost of funding earning assets | 0.5936% | 2,517 |
| Net interest margin | 3.7294% | 2,902 |
| Noninterest income to average assets | 0.2394% | 4,538 |
| Noninterest expense to average assets | 2.0002% | 4,743 |
| Loan and lease loss provision to assets | 0.0677% | 2,621 |
| Net operating income to assets | 1.6756% | 795 |
| Return on assets (ROA) | 1.6756% | 793 |
| Pretax return on assets | 1.6756% | 1,332 |
| Return on Equity (ROE) | 12.9914% | 1,431 |
| Retained earnings to average equity (ytd only) | 3.8576% | 3,852 |
| Net charge-offs to loans | -0.0140% | 4,492 |
| Credit loss provision to net charge-offs | -675.0000% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4315% | 4,667 |
| Assets per employee ($millions) | 5.4728% | 1,937 |
| Cash dividends to net income (ytd only)* | 70.3066% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 3,785 |
| Loan loss allowance to noncurrent loans | 1,446.2963% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 4,720 |
| Noncurrent loans to loans | 0.0690% | 4,569 |
| Net loans and leases to total assets | 70.8117% | 2,528 |
| Net loans and leases to deposits | 81.6276% | 2,864 |
| Net loans and leases to core deposits | 85.7065% | 3,019 |
| Total domestic deposits to total assets | 86.7498% | 1,845 |
| Equity capital to assets | 12.6499% | 1,497 |
| Core capital (leverage) ratio | 11.8708% | 1,859 |
| Tier 1 risk-based capital ratio | 17.0919% | 2,069 |
| Total risk-based capital ratio | 18.1557% | 2,090 |
| Memoranda: | ||
| Average total assets | $106,386,000 | 4,034 |
| Average earning assets | $99,960,500 | 4,017 |
| Average equity | $13,721,500 | 3,817 |
| Average total loans | $76,060,500 | 3,783 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 2,898 |
| Cost of funding earning assets | 0.5659% | 2,469 |
| Net interest margin | 3.6967% | 2,938 |
| Noninterest income to average assets | 0.2373% | 4,594 |
| Noninterest expense to average assets | 2.0140% | 4,773 |
| Loan and lease loss provision to assets | 0.0683% | 2,514 |
| Net operating income to assets | 1.6268% | 857 |
| Return on assets (ROA) | 1.6268% | 861 |
| Pretax return on assets | 1.6268% | 1,414 |
| Return on Equity (ROE) | 12.5292% | 1,535 |
| Retained earnings to average equity (ytd only) | 4.4298% | 3,382 |
| Net charge-offs to loans | -0.0133% | 4,412 |
| Credit loss provision to net charge-offs | -720.0000% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2989% | 4,660 |
| Assets per employee ($millions) | 5.3708% | 2,021 |
| Cash dividends to net income (ytd only)* | 64.6441% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 3,921 |
| Loan loss allowance to noncurrent loans | 1,407.4074% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 4,778 |
| Noncurrent loans to loans | 0.0702% | 4,604 |
| Net loans and leases to total assets | 70.9221% | 2,446 |
| Net loans and leases to deposits | 81.6079% | 2,806 |
| Net loans and leases to core deposits | 85.4843% | 2,971 |
| Total domestic deposits to total assets | 86.9059% | 1,877 |
| Equity capital to assets | 12.8548% | 1,368 |
| Core capital (leverage) ratio | 11.7596% | 1,865 |
| Tier 1 risk-based capital ratio | 17.2294% | 2,025 |
| Total risk-based capital ratio | 18.2823% | 2,037 |
| Memoranda: | ||
| Average total assets | $105,363,000 | 4,086 |
| Average earning assets | $98,954,000 | 4,069 |
| Average equity | $13,680,000 | 3,844 |
| Average total loans | $75,318,000 | 3,826 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,265 |
| Cost of funding earning assets | 0.5379% | 2,493 |
| Net interest margin | 3.5531% | 3,329 |
| Noninterest income to average assets | 0.2377% | 4,582 |
| Noninterest expense to average assets | 1.9629% | 4,919 |
| Loan and lease loss provision to assets | 0.0690% | 2,382 |
| Net operating income to assets | 1.5488% | 954 |
| Return on assets (ROA) | 1.5488% | 963 |
| Pretax return on assets | 1.5488% | 1,533 |
| Return on Equity (ROE) | 11.8684% | 1,630 |
| Retained earnings to average equity (ytd only) | 2.2620% | 4,263 |
| Net charge-offs to loans | -0.0107% | 4,275 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8180% | 4,707 |
| Assets per employee ($millions) | 5.5903% | 1,856 |
| Cash dividends to net income (ytd only)* | 80.9406% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 4,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.3225% | 2,424 |
| Net loans and leases to deposits | 82.0279% | 2,589 |
| Net loans and leases to core deposits | 86.8160% | 2,731 |
| Total domestic deposits to total assets | 85.7299% | 2,664 |
| Equity capital to assets | 12.8023% | 1,340 |
| Core capital (leverage) ratio | 11.9847% | 1,663 |
| Tier 1 risk-based capital ratio | 17.0337% | 2,110 |
| Total risk-based capital ratio | 18.0662% | 2,123 |
| Memoranda: | ||
| Average total assets | $104,337,000 | 4,154 |
| Average earning assets | $98,167,000 | 4,127 |
| Average equity | $13,616,000 | 3,885 |
| Average total loans | $74,506,500 | 3,872 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 3,315 |
| Cost of funding earning assets | 0.4735% | 2,568 |
| Net interest margin | 3.5551% | 3,321 |
| Noninterest income to average assets | 0.2976% | 4,318 |
| Noninterest expense to average assets | 2.0890% | 4,789 |
| Loan and lease loss provision to assets | 0.0729% | 2,749 |
| Net operating income to assets | 1.4564% | 893 |
| Return on assets (ROA) | 1.4594% | 892 |
| Pretax return on assets | 1.4594% | 1,782 |
| Return on Equity (ROE) | 10.7750% | 1,561 |
| Retained earnings to average equity (ytd only) | 3.2654% | 3,347 |
| Net charge-offs to loans | -0.0177% | 4,925 |
| Credit loss provision to net charge-offs | -600.0000% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6084% | 4,801 |
| Assets per employee ($millions) | 5.3926% | 2,057 |
| Cash dividends to net income (ytd only)* | 69.6949% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 4,069 |
| 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 | 71.1133% | 2,360 |
| Net loans and leases to deposits | 83.1748% | 2,585 |
| Net loans and leases to core deposits | 87.7232% | 2,748 |
| Total domestic deposits to total assets | 85.4986% | 2,652 |
| Equity capital to assets | 13.3068% | 1,127 |
| Core capital (leverage) ratio | 11.8447% | 1,696 |
| Tier 1 risk-based capital ratio | 17.2895% | 1,999 |
| Total risk-based capital ratio | 18.3120% | 2,025 |
| Memoranda: | ||
| Average total assets | $98,805,400 | 4,259 |
| Average earning assets | $92,289,600 | 4,235 |
| Average equity | $13,382,800 | 3,932 |
| Average total loans | $67,913,400 | 4,009 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,411 |
| Cost of funding earning assets | 0.4525% | 2,694 |
| Net interest margin | 3.5306% | 3,387 |
| Noninterest income to average assets | 0.3119% | 4,294 |
| Noninterest expense to average assets | 2.1247% | 4,679 |
| Loan and lease loss provision to assets | 0.0736% | 2,600 |
| Net operating income to assets | 1.4083% | 1,065 |
| Return on assets (ROA) | 1.4124% | 1,088 |
| Pretax return on assets | 1.4124% | 2,084 |
| Return on Equity (ROE) | 10.3801% | 1,956 |
| Retained earnings to average equity (ytd only) | 1.7217% | 4,735 |
| Net charge-offs to loans | -0.0180% | 4,818 |
| Credit loss provision to net charge-offs | -600.0000% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7598% | 4,639 |
| Assets per employee ($millions) | 5.3153% | 2,103 |
| Cash dividends to net income (ytd only)* | 83.4135% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 4,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 68.5008% | 2,775 |
| Net loans and leases to deposits | 81.1265% | 2,862 |
| Net loans and leases to core deposits | 85.2798% | 3,028 |
| Total domestic deposits to total assets | 84.4371% | 2,945 |
| Equity capital to assets | 13.3300% | 1,239 |
| Core capital (leverage) ratio | 11.9501% | 1,718 |
| Tier 1 risk-based capital ratio | 17.7050% | 1,943 |
| Total risk-based capital ratio | 18.7453% | 1,957 |
| Memoranda: | ||
| Average total assets | $97,892,000 | 4,315 |
| Average earning assets | $91,351,500 | 4,300 |
| Average equity | $13,320,000 | 3,980 |
| Average total loans | $66,496,500 | 4,072 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 3,780 |
| Cost of funding earning assets | 0.4235% | 2,864 |
| Net interest margin | 3.4101% | 3,736 |
| Noninterest income to average assets | 0.3469% | 4,070 |
| Noninterest expense to average assets | 2.1516% | 4,664 |
| Loan and lease loss provision to assets | 0.0743% | 2,484 |
| Net operating income to assets | 1.2967% | 1,307 |
| Return on assets (ROA) | 1.3029% | 1,311 |
| Pretax return on assets | 1.3029% | 2,375 |
| Return on Equity (ROE) | 9.5083% | 2,269 |
| Retained earnings to average equity (ytd only) | -3.5260% | 5,468 |
| Net charge-offs to loans | -0.0184% | 4,752 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8511% | 4,483 |
| Assets per employee ($millions) | 5.2537% | 2,108 |
| Cash dividends to net income (ytd only)* | 137.0840% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 4,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 69.8918% | 2,544 |
| Net loans and leases to deposits | 83.3574% | 2,560 |
| Net loans and leases to core deposits | 87.1803% | 2,785 |
| Total domestic deposits to total assets | 83.8459% | 3,260 |
| Equity capital to assets | 13.0876% | 1,331 |
| Core capital (leverage) ratio | 12.0430% | 1,608 |
| Tier 1 risk-based capital ratio | 16.7309% | 2,224 |
| Total risk-based capital ratio | 17.7197% | 2,284 |
| Memoranda: | ||
| Average total assets | $96,859,330 | 4,362 |
| Average earning assets | $90,203,330 | 4,352 |
| Average equity | $13,272,670 | 4,001 |
| Average total loans | $65,369,670 | 4,119 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,203 |
| Cost of funding earning assets | 0.4149% | 2,858 |
| Net interest margin | 3.2558% | 4,149 |
| Noninterest income to average assets | 0.2642% | 4,650 |
| Noninterest expense to average assets | 2.1053% | 4,837 |
| Loan and lease loss provision to assets | 0.0755% | 2,298 |
| Net operating income to assets | 1.1114% | 1,823 |
| Return on assets (ROA) | 1.1197% | 1,831 |
| Pretax return on assets | 1.1197% | 2,906 |
| Return on Equity (ROE) | 7.9839% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.9839% | 1,464 |
| Net charge-offs to loans | -0.0191% | 4,719 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5287% | 4,222 |
| Assets per employee ($millions) | 4.8661% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 4,830 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 65.2566% | 3,081 |
| Net loans and leases to deposits | 75.9368% | 3,205 |
| Net loans and leases to core deposits | 79.4150% | 3,349 |
| Total domestic deposits to total assets | 85.9353% | 2,698 |
| Equity capital to assets | 13.8920% | 935 |
| Core capital (leverage) ratio | 12.7244% | 1,245 |
| Tier 1 risk-based capital ratio | 18.7649% | 1,675 |
| Total risk-based capital ratio | 19.7957% | 1,689 |
| Memoranda: | ||
| Average total assets | $95,379,000 | 4,431 |
| Average earning assets | $88,704,000 | 4,427 |
| Average equity | $13,377,000 | 4,006 |
| Average total loans | $62,833,000 | 4,213 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 4,327 |
| Cost of funding earning assets | 0.3772% | 3,235 |
| Net interest margin | 3.2868% | 4,182 |
| Noninterest income to average assets | 0.2624% | 4,855 |
| Noninterest expense to average assets | 2.1224% | 4,958 |
| Loan and lease loss provision to assets | 0.1165% | 2,123 |
| Net operating income to assets | 1.0696% | 2,039 |
| Return on assets (ROA) | 1.0917% | 2,032 |
| Pretax return on assets | 1.0917% | 3,137 |
| Return on Equity (ROE) | 8.0641% | 2,900 |
| Retained earnings to average equity (ytd only) | 6.5133% | 1,452 |
| Net charge-offs to loans | -0.0198% | 5,124 |
| Credit loss provision to net charge-offs | -1,009.0909% | 5,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6434% | 4,319 |
| Assets per employee ($millions) | 4.6718% | 2,842 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 4,126 |
| Loan loss allowance to noncurrent loans | 407.0513% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 4,655 |
| Noncurrent loans to loans | 0.2537% | 4,244 |
| Net loans and leases to total assets | 65.1419% | 3,204 |
| Net loans and leases to deposits | 76.0388% | 3,309 |
| Net loans and leases to core deposits | 79.6853% | 3,419 |
| Total domestic deposits to total assets | 85.6693% | 2,748 |
| Equity capital to assets | 14.1637% | 836 |
| Core capital (leverage) ratio | 12.2333% | 1,460 |
| Tier 1 risk-based capital ratio | 19.0043% | 1,600 |
| Total risk-based capital ratio | 20.0324% | 1,629 |
| Memoranda: | ||
| Average total assets | $95,267,400 | 4,445 |
| Average earning assets | $88,291,400 | 4,429 |
| Average equity | $12,896,600 | 4,104 |
| Average total loans | $55,589,400 | 4,416 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 4,393 |
| Cost of funding earning assets | 0.3719% | 3,314 |
| Net interest margin | 3.2835% | 4,240 |
| Noninterest income to average assets | 0.2674% | 4,862 |
| Noninterest expense to average assets | 2.1297% | 4,942 |
| Loan and lease loss provision to assets | 0.1086% | 2,115 |
| Net operating income to assets | 1.0669% | 2,133 |
| Return on assets (ROA) | 1.0962% | 2,117 |
| Pretax return on assets | 1.0962% | 3,243 |
| Return on Equity (ROE) | 8.1899% | 2,913 |
| Retained earnings to average equity (ytd only) | 6.1086% | 2,124 |
| Net charge-offs to loans | -0.0222% | 5,044 |
| Credit loss provision to net charge-offs | -866.6667% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8626% | 4,257 |
| Assets per employee ($millions) | 4.7470% | 2,675 |
| Cash dividends to net income (ytd only)* | 25.4129% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 4,424 |
| Loan loss allowance to noncurrent loans | 280.3738% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 4,541 |
| Noncurrent loans to loans | 0.3560% | 3,981 |
| Net loans and leases to total assets | 62.6827% | 3,555 |
| Net loans and leases to deposits | 72.9632% | 3,709 |
| Net loans and leases to core deposits | 76.3872% | 3,799 |
| Total domestic deposits to total assets | 85.9100% | 2,403 |
| Equity capital to assets | 13.8740% | 1,090 |
| Core capital (leverage) ratio | 12.2464% | 1,516 |
| Tier 1 risk-based capital ratio | 18.9300% | 1,686 |
| Total risk-based capital ratio | 19.9198% | 1,713 |
| Memoranda: | ||
| Average total assets | $95,725,250 | 4,466 |
| Average earning assets | $88,561,500 | 4,462 |
| Average equity | $12,812,250 | 4,156 |
| Average total loans | $54,111,500 | 4,491 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 4,717 |
| Cost of funding earning assets | 0.3674% | 3,381 |
| Net interest margin | 3.1898% | 4,575 |
| Noninterest income to average assets | 0.2646% | 4,892 |
| Noninterest expense to average assets | 2.0899% | 5,082 |
| Loan and lease loss provision to assets | 0.1000% | 2,168 |
| Net operating income to assets | 1.0231% | 2,281 |
| Return on assets (ROA) | 1.0668% | 2,221 |
| Pretax return on assets | 1.0668% | 3,337 |
| Return on Equity (ROE) | 8.0679% | 2,948 |
| Retained earnings to average equity (ytd only) | 4.9164% | 2,787 |
| Net charge-offs to loans | -0.0230% | 5,003 |
| Credit loss provision to net charge-offs | -800.0000% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0454% | 3,840 |
| Assets per employee ($millions) | 4.7489% | 2,634 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 4,487 |
| Loan loss allowance to noncurrent loans | 313.2597% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 4,726 |
| Noncurrent loans to loans | 0.3208% | 4,222 |
| Net loans and leases to total assets | 58.7995% | 4,038 |
| Net loans and leases to deposits | 68.2039% | 4,162 |
| Net loans and leases to core deposits | 71.0346% | 4,246 |
| Total domestic deposits to total assets | 86.2114% | 2,322 |
| Equity capital to assets | 13.6180% | 1,175 |
| Core capital (leverage) ratio | 11.9217% | 1,689 |
| Tier 1 risk-based capital ratio | 19.3313% | 1,618 |
| Total risk-based capital ratio | 20.3110% | 1,647 |
| Memoranda: | ||
| Average total assets | $95,987,000 | 4,499 |
| Average earning assets | $88,719,670 | 4,492 |
| Average equity | $12,692,330 | 4,202 |
| Average total loans | $52,111,670 | 4,583 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 5,044 |
| Cost of funding earning assets | 0.3598% | 3,504 |
| Net interest margin | 3.0714% | 4,948 |
| Noninterest income to average assets | 0.2570% | 4,896 |
| Noninterest expense to average assets | 2.0395% | 5,246 |
| Loan and lease loss provision to assets | 0.0912% | 2,162 |
| Net operating income to assets | 0.9576% | 2,474 |
| Return on assets (ROA) | 0.9576% | 2,593 |
| Pretax return on assets | 0.9576% | 3,632 |
| Return on Equity (ROE) | 7.3500% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.3500% | 1,730 |
| Net charge-offs to loans | -0.0240% | 4,959 |
| Credit loss provision to net charge-offs | -733.3333% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0403% | 3,797 |
| Assets per employee ($millions) | 4.8557% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 4,360 |
| Loan loss allowance to noncurrent loans | 344.8718% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,932 |
| Noncurrent loans to loans | 0.3032% | 4,340 |
| Net loans and leases to total assets | 52.4348% | 4,588 |
| Net loans and leases to deposits | 60.4734% | 4,684 |
| Net loans and leases to core deposits | 62.3299% | 4,797 |
| Total domestic deposits to total assets | 86.7072% | 2,355 |
| Equity capital to assets | 13.1476% | 1,340 |
| Core capital (leverage) ratio | 11.6994% | 1,828 |
| Tier 1 risk-based capital ratio | 19.9615% | 1,505 |
| Total risk-based capital ratio | 20.9294% | 1,539 |
| Memoranda: | ||
| Average total assets | $96,492,000 | 4,525 |
| Average earning assets | $88,949,500 | 4,529 |
| Average equity | $12,571,500 | 4,229 |
| Average total loans | $49,961,000 | 4,678 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6976% | 4,374 |
| Cost of funding earning assets | 0.3433% | 3,758 |
| Net interest margin | 3.3543% | 4,095 |
| Noninterest income to average assets | 0.2093% | 5,344 |
| Noninterest expense to average assets | 2.0028% | 5,452 |
| Loan and lease loss provision to assets | 0.2509% | 756 |
| Net operating income to assets | 1.0537% | 2,112 |
| Return on assets (ROA) | 1.0537% | 2,199 |
| Pretax return on assets | 1.0537% | 3,251 |
| Return on Equity (ROE) | 8.2593% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.2593% | 835 |
| Net charge-offs to loans | -0.0356% | 5,460 |
| Credit loss provision to net charge-offs | -1,468.7500% | 5,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5552% | 4,829 |
| Assets per employee ($millions) | 4.7936% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 4,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.0151% | 4,868 |
| Net loans and leases to deposits | 57.4961% | 4,944 |
| Net loans and leases to core deposits | 59.7962% | 4,995 |
| Total domestic deposits to total assets | 86.9888% | 2,148 |
| Equity capital to assets | 12.9080% | 1,394 |
| Core capital (leverage) ratio | 11.6761% | 1,832 |
| Tier 1 risk-based capital ratio | 20.7690% | 1,337 |
| Total risk-based capital ratio | 21.7425% | 1,358 |
| Memoranda: | ||
| Average total assets | $93,667,000 | 4,590 |
| Average earning assets | $86,514,600 | 4,578 |
| Average equity | $11,950,200 | 4,318 |
| Average total loans | $44,960,200 | 4,833 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 4,132 |
| Cost of funding earning assets | 0.3406% | 3,855 |
| Net interest margin | 3.4474% | 3,760 |
| Noninterest income to average assets | 0.2133% | 5,374 |
| Noninterest expense to average assets | 1.9831% | 5,514 |
| Loan and lease loss provision to assets | 0.3365% | 404 |
| Net operating income to assets | 1.0825% | 2,087 |
| Return on assets (ROA) | 1.0825% | 2,174 |
| Pretax return on assets | 1.0825% | 3,304 |
| Return on Equity (ROE) | 8.5104% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.5104% | 1,056 |
| Net charge-offs to loans | -0.0393% | 5,460 |
| Credit loss provision to net charge-offs | -1,807.6923% | 5,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2912% | 5,083 |
| Assets per employee ($millions) | 5.0217% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 4,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 49.6554% | 4,958 |
| Net loans and leases to deposits | 57.5945% | 5,023 |
| Net loans and leases to core deposits | 60.0608% | 5,063 |
| Total domestic deposits to total assets | 86.2154% | 2,431 |
| Equity capital to assets | 13.6053% | 1,178 |
| Core capital (leverage) ratio | 11.7803% | 1,834 |
| Tier 1 risk-based capital ratio | 21.3768% | 1,281 |
| Total risk-based capital ratio | 22.3956% | 1,303 |
| Memoranda: | ||
| Average total assets | $93,116,000 | 4,650 |
| Average earning assets | $86,130,500 | 4,637 |
| Average equity | $11,844,000 | 4,383 |
| Average total loans | $44,084,500 | 4,912 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 5,551 |
| Cost of funding earning assets | 0.3400% | 3,922 |
| Net interest margin | 2.9018% | 5,439 |
| Noninterest income to average assets | 0.1872% | 5,570 |
| Noninterest expense to average assets | 1.9123% | 5,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9615% | 2,579 |
| Return on assets (ROA) | 0.9615% | 2,692 |
| Pretax return on assets | 0.9615% | 3,734 |
| Return on Equity (ROE) | 7.7313% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.7313% | 1,375 |
| Net charge-offs to loans | -0.0458% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5433% | 3,910 |
| Assets per employee ($millions) | 5.0816% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6039% | 5,971 |
| Loan loss allowance to noncurrent loans | 41.2747% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 3,231 |
| Noncurrent loans to loans | 1.4630% | 1,812 |
| Net loans and leases to total assets | 48.9483% | 5,017 |
| Net loans and leases to deposits | 56.3723% | 5,099 |
| Net loans and leases to core deposits | 58.4980% | 5,162 |
| Total domestic deposits to total assets | 86.8304% | 2,250 |
| Equity capital to assets | 13.0045% | 1,401 |
| Core capital (leverage) ratio | 11.2765% | 2,183 |
| Tier 1 risk-based capital ratio | 20.9989% | 1,363 |
| Total risk-based capital ratio | 21.5491% | 1,460 |
| Memoranda: | ||
| Average total assets | $94,024,330 | 4,681 |
| Average earning assets | $87,048,330 | 4,651 |
| Average equity | $11,692,670 | 4,440 |
| Average total loans | $43,648,000 | 4,961 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1572% | 5,712 |
| Cost of funding earning assets | 0.3402% | 3,981 |
| Net interest margin | 2.8170% | 5,611 |
| Noninterest income to average assets | 0.1889% | 5,575 |
| Noninterest expense to average assets | 1.8426% | 5,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9528% | 2,494 |
| Return on assets (ROA) | 0.9528% | 2,628 |
| Pretax return on assets | 0.9528% | 3,680 |
| Return on Equity (ROE) | 7.8333% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.8333% | 1,636 |
| Net charge-offs to loans | -0.0652% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9159% | 4,173 |
| Assets per employee ($millions) | 5.2529% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 6,030 |
| Loan loss allowance to noncurrent loans | 40.8815% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 3,404 |
| Noncurrent loans to loans | 1.5193% | 1,858 |
| Net loans and leases to total assets | 45.5184% | 5,235 |
| Net loans and leases to deposits | 52.0870% | 5,327 |
| Net loans and leases to core deposits | 53.9681% | 5,369 |
| Total domestic deposits to total assets | 87.3891% | 2,172 |
| Equity capital to assets | 12.4554% | 1,722 |
| Core capital (leverage) ratio | 10.8566% | 2,568 |
| Tier 1 risk-based capital ratio | 21.1316% | 1,393 |
| Total risk-based capital ratio | 21.6922% | 1,502 |
| Memoranda: | ||
| Average total assets | $95,302,500 | 4,680 |
| Average earning assets | $88,180,000 | 4,669 |
| Average equity | $11,591,500 | 4,490 |
| Average total loans | $42,950,000 | 5,026 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1469% | 6,467 |
| Cost of funding earning assets | 0.1185% | 6,254 |
| Net interest margin | 1.0284% | 6,463 |
| Noninterest income to average assets | 0.0701% | 6,238 |
| Noninterest expense to average assets | 0.5950% | 6,480 |
| Loan and lease loss provision to assets | 0.2584% | 867 |
| Net operating income to assets | 0.1903% | 5,787 |
| Return on assets (ROA) | 0.1903% | 5,837 |
| Pretax return on assets | 0.1903% | 5,887 |
| Return on Equity (ROE) | 1.4586% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.4586% | 5,112 |
| Net charge-offs to loans | -0.0107% | 5,573 |
| Credit loss provision to net charge-offs | -5,160.0000% | 6,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0058% | 5,569 |
| Assets per employee ($millions) | 5.3362% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6151% | 6,123 |
| Loan loss allowance to noncurrent loans | 32.8321% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 3,133 |
| Noncurrent loans to loans | 1.8736% | 1,510 |
| Net loans and leases to total assets | 44.0699% | 5,460 |
| Net loans and leases to deposits | 50.0769% | 5,575 |
| Net loans and leases to core deposits | 51.8407% | 5,626 |
| Total domestic deposits to total assets | 88.0044% | 1,767 |
| Equity capital to assets | 11.8748% | 2,110 |
| Core capital (leverage) ratio | 9.7085% | 3,965 |
| Tier 1 risk-based capital ratio | 19.8714% | 1,620 |
| Total risk-based capital ratio | 20.4183% | 1,765 |
| Memoranda: | ||
| Average total assets | $99,836,600 | 4,604 |
| Average earning assets | $94,514,400 | 4,543 |
| Average equity | $13,025,800 | 4,192 |
| Average total loans | $46,763,000 | 4,926 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4754% | 6,572 |
| Cost of funding earning assets | 0.0445% | 6,526 |
| Net interest margin | 0.4309% | 6,572 |
| Noninterest income to average assets | 0.0265% | 6,431 |
| Noninterest expense to average assets | 0.2223% | 6,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2143% | 5,822 |
| Return on assets (ROA) | 0.2143% | 5,868 |
| Pretax return on assets | 0.2143% | 5,926 |
| Return on Equity (ROE) | 1.6082% | 5,920 |
| Retained earnings to average equity (ytd only) | 1.6082% | 5,238 |
| Net charge-offs to loans | -0.0056% | 5,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9091% | 6,056 |
| Assets per employee ($millions) | 5.3821% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0023% | 6,532 |
| Loan loss allowance to noncurrent loans | 0.1253% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8237% | 3,358 |
| Noncurrent loans to loans | 1.8096% | 1,782 |
| Net loans and leases to total assets | 45.5185% | 5,415 |
| Net loans and leases to deposits | 51.6129% | 5,555 |
| Net loans and leases to core deposits | 53.4088% | 5,599 |
| Total domestic deposits to total assets | 88.1922% | 1,662 |
| Equity capital to assets | 11.6663% | 2,346 |
| Core capital (leverage) ratio | 9.8729% | 3,848 |
| Tier 1 risk-based capital ratio | 19.0727% | 1,890 |
| Total risk-based capital ratio | 19.0747% | 2,228 |
| Memoranda: | ||
| Average total assets | $100,782,750 | 4,626 |
| Average earning assets | $95,911,500 | 4,548 |
| Average equity | $13,430,750 | 4,144 |
| Average total loans | $47,805,750 | 4,939 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 4,927 |
| Cost of funding earning assets | 0.3881% | 4,018 |
| Net interest margin | 3.2907% | 4,628 |
| Noninterest income to average assets | 0.1842% | 5,848 |
| Noninterest expense to average assets | 1.7476% | 6,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5928% | 712 |
| Return on assets (ROA) | 1.5928% | 745 |
| Pretax return on assets | 1.5928% | 1,268 |
| Return on Equity (ROE) | 11.4990% | 1,574 |
| Retained earnings to average equity (ytd only) | -5.7707% | 6,279 |
| Net charge-offs to loans | -0.0082% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3167% | 6,045 |
| Assets per employee ($millions) | 5.0572% | 2,139 |
| Cash dividends to net income (ytd only)* | 150.1845% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 3,164 |
| Loan loss allowance to noncurrent loans | 83.3926% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 3,477 |
| Noncurrent loans to loans | 1.7211% | 2,007 |
| Net loans and leases to total assets | 47.7319% | 5,193 |
| Net loans and leases to deposits | 55.5616% | 5,232 |
| Net loans and leases to core deposits | 57.4553% | 5,310 |
| Total domestic deposits to total assets | 85.9082% | 3,090 |
| Equity capital to assets | 13.9544% | 985 |
| Core capital (leverage) ratio | 13.2291% | 1,071 |
| Tier 1 risk-based capital ratio | 25.3068% | 842 |
| Total risk-based capital ratio | 26.5566% | 823 |
| Memoranda: | ||
| Average total assets | $102,084,670 | 4,634 |
| Average earning assets | $97,913,000 | 4,532 |
| Average equity | $14,140,330 | 4,027 |
| Average total loans | $49,041,670 | 4,925 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 4,968 |
| Cost of funding earning assets | 0.3893% | 4,094 |
| Net interest margin | 3.2725% | 4,656 |
| Noninterest income to average assets | 0.1989% | 5,765 |
| Noninterest expense to average assets | 1.7240% | 6,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6225% | 651 |
| Return on assets (ROA) | 1.6225% | 676 |
| Pretax return on assets | 1.6225% | 1,130 |
| Return on Equity (ROE) | 11.7568% | 1,477 |
| Retained earnings to average equity (ytd only) | -11.4742% | 6,403 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5152% | 6,160 |
| Assets per employee ($millions) | 5.4202% | 1,780 |
| Cash dividends to net income (ytd only)* | 197.5962% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 3,638 |
| Loan loss allowance to noncurrent loans | 430.0613% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 5,768 |
| Noncurrent loans to loans | 0.3241% | 5,136 |
| Net loans and leases to total assets | 48.1536% | 5,107 |
| Net loans and leases to deposits | 55.8364% | 5,128 |
| Net loans and leases to core deposits | 58.0706% | 5,194 |
| Total domestic deposits to total assets | 86.2404% | 3,236 |
| Equity capital to assets | 13.6158% | 1,070 |
| Core capital (leverage) ratio | 13.1952% | 1,089 |
| Tier 1 risk-based capital ratio | 24.7254% | 917 |
| Total risk-based capital ratio | 25.9775% | 899 |
| Memoranda: | ||
| Average total assets | $102,555,000 | 4,665 |
| Average earning assets | $98,641,000 | 4,548 |
| Average equity | $14,153,500 | 4,020 |
| Average total loans | $49,072,000 | 4,967 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 5,040 |
| Cost of funding earning assets | 0.4437% | 4,178 |
| Net interest margin | 3.2857% | 4,719 |
| Noninterest income to average assets | 0.4401% | 4,160 |
| Noninterest expense to average assets | 2.0414% | 5,941 |
| Loan and lease loss provision to assets | -0.1609% | 6,558 |
| Net operating income to assets | 1.6921% | 587 |
| Return on assets (ROA) | 1.6921% | 599 |
| Pretax return on assets | 1.6921% | 972 |
| Return on Equity (ROE) | 12.5271% | 1,271 |
| Retained earnings to average equity (ytd only) | 5.4158% | 2,339 |
| Net charge-offs to loans | 0.0314% | 4,806 |
| Credit loss provision to net charge-offs | -1,133.3333% | 6,243 |
| Earnings coverage of net charge-offs (x) | 107.8667% | 436 |
| Efficiency ratio | 57.1391% | 5,835 |
| Assets per employee ($millions) | 5.3751% | 1,771 |
| Cash dividends to net income (ytd only)* | 56.7673% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 3,354 |
| Loan loss allowance to noncurrent loans | 422.2892% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 5,828 |
| Noncurrent loans to loans | 0.3469% | 5,147 |
| Net loans and leases to total assets | 46.1700% | 5,471 |
| Net loans and leases to deposits | 53.7510% | 5,488 |
| Net loans and leases to core deposits | 55.7425% | 5,554 |
| Total domestic deposits to total assets | 85.8960% | 3,317 |
| Equity capital to assets | 13.9875% | 902 |
| Core capital (leverage) ratio | 12.8778% | 1,189 |
| Tier 1 risk-based capital ratio | 26.3274% | 746 |
| Total risk-based capital ratio | 27.5801% | 724 |
| Memoranda: | ||
| Average total assets | $105,664,400 | 4,601 |
| Average earning assets | $100,740,000 | 4,486 |
| Average equity | $14,273,000 | 4,010 |
| Average total loans | $47,776,200 | 5,038 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 5,160 |
| Cost of funding earning assets | 0.4527% | 4,249 |
| Net interest margin | 3.2503% | 4,825 |
| Noninterest income to average assets | 0.5106% | 3,732 |
| Noninterest expense to average assets | 1.9408% | 6,116 |
| Loan and lease loss provision to assets | -0.2127% | 6,728 |
| Net operating income to assets | 1.8733% | 460 |
| Return on assets (ROA) | 1.8733% | 469 |
| Pretax return on assets | 1.8733% | 755 |
| Return on Equity (ROE) | 13.9870% | 1,001 |
| Retained earnings to average equity (ytd only) | 5.0548% | 3,037 |
| Net charge-offs to loans | 0.0447% | 4,270 |
| Credit loss provision to net charge-offs | -1,062.5000% | 6,196 |
| Earnings coverage of net charge-offs (x) | 82.9484% | 571 |
| Efficiency ratio | 53.8916% | 6,108 |
| Assets per employee ($millions) | 5.6073% | 1,530 |
| Cash dividends to net income (ytd only)* | 63.8608% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 3,630 |
| Loan loss allowance to noncurrent loans | 429.4479% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 5,984 |
| Noncurrent loans to loans | 0.3407% | 5,366 |
| Net loans and leases to total assets | 44.2546% | 5,704 |
| Net loans and leases to deposits | 51.2612% | 5,761 |
| Net loans and leases to core deposits | 53.4534% | 5,801 |
| Total domestic deposits to total assets | 86.3316% | 3,057 |
| Equity capital to assets | 13.3079% | 1,196 |
| Core capital (leverage) ratio | 12.7397% | 1,311 |
| Tier 1 risk-based capital ratio | 25.5968% | 818 |
| Total risk-based capital ratio | 26.8504% | 807 |
| Memoranda: | ||
| Average total assets | $106,548,750 | 4,625 |
| Average earning assets | $101,320,500 | 4,519 |
| Average equity | $14,270,000 | 4,064 |
| Average total loans | $47,757,000 | 5,084 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7197% | 5,082 |
| Cost of funding earning assets | 0.4729% | 4,173 |
| Net interest margin | 3.2468% | 4,786 |
| Noninterest income to average assets | 0.2196% | 5,868 |
| Noninterest expense to average assets | 1.9521% | 6,125 |
| Loan and lease loss provision to assets | 0.0563% | 3,877 |
| Net operating income to assets | 1.2914% | 1,344 |
| Return on assets (ROA) | 1.2914% | 1,440 |
| Pretax return on assets | 1.2914% | 2,332 |
| Return on Equity (ROE) | 9.6219% | 2,357 |
| Retained earnings to average equity (ytd only) | -1.5244% | 6,127 |
| Net charge-offs to loans | 0.0503% | 3,971 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 59.8333% | 703 |
| Efficiency ratio | 59.1581% | 5,588 |
| Assets per employee ($millions) | 5.5832% | 1,511 |
| Cash dividends to net income (ytd only)* | 115.8430% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 2,242 |
| Loan loss allowance to noncurrent loans | 22,600.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 1.1953% | 3,353 |
| Noncurrent loans to loans | 0.0082% | 6,414 |
| Net loans and leases to total assets | 45.0429% | 5,631 |
| Net loans and leases to deposits | 51.9720% | 5,690 |
| Net loans and leases to core deposits | 53.9367% | 5,760 |
| Total domestic deposits to total assets | 86.6677% | 3,020 |
| Equity capital to assets | 13.0608% | 1,325 |
| Core capital (leverage) ratio | 12.1980% | 1,509 |
| Tier 1 risk-based capital ratio | 23.4729% | 1,066 |
| Total risk-based capital ratio | 24.7267% | 1,048 |
| Memoranda: | ||
| Average total assets | $106,552,330 | 4,654 |
| Average earning assets | $101,084,670 | 4,553 |
| Average equity | $14,300,670 | 4,092 |
| Average total loans | $47,726,670 | 5,113 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7413% | 5,017 |
| Cost of funding earning assets | 0.4849% | 4,241 |
| Net interest margin | 3.2564% | 4,702 |
| Noninterest income to average assets | 0.2472% | 5,694 |
| Noninterest expense to average assets | 1.9328% | 6,224 |
| Loan and lease loss provision to assets | 0.1124% | 2,828 |
| Net operating income to assets | 1.2960% | 1,286 |
| Return on assets (ROA) | 1.2960% | 1,388 |
| Pretax return on assets | 1.2960% | 2,244 |
| Return on Equity (ROE) | 9.5294% | 2,249 |
| Retained earnings to average equity (ytd only) | -4.4342% | 6,316 |
| Net charge-offs to loans | 0.1016% | 2,839 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 945 |
| Efficiency ratio | 57.8475% | 5,867 |
| Assets per employee ($millions) | 5.5444% | 1,630 |
| Cash dividends to net income (ytd only)* | 146.5318% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 2,333 |
| Loan loss allowance to noncurrent loans | 378.2427% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 3,497 |
| Noncurrent loans to loans | 0.4995% | 5,177 |
| Net loans and leases to total assets | 44.5592% | 5,603 |
| Net loans and leases to deposits | 51.7479% | 5,646 |
| Net loans and leases to core deposits | 53.8871% | 5,671 |
| Total domestic deposits to total assets | 86.1082% | 3,469 |
| Equity capital to assets | 13.6639% | 1,153 |
| Core capital (leverage) ratio | 12.1749% | 1,474 |
| Tier 1 risk-based capital ratio | 23.8449% | 1,036 |
| Total risk-based capital ratio | 25.0997% | 1,014 |
| Memoranda: | ||
| Average total assets | $106,788,000 | 4,693 |
| Average earning assets | $101,461,500 | 4,577 |
| Average equity | $14,523,500 | 4,086 |
| Average total loans | $47,247,000 | 5,160 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 5,671 |
| Cost of funding earning assets | 0.6426% | 3,983 |
| Net interest margin | 3.2268% | 5,503 |
| Noninterest income to average assets | 0.0618% | 6,649 |
| Noninterest expense to average assets | 2.0575% | 6,213 |
| Loan and lease loss provision to assets | 0.0380% | 5,405 |
| Net operating income to assets | 1.0316% | 2,203 |
| Return on assets (ROA) | 1.0316% | 2,407 |
| Pretax return on assets | 1.0316% | 3,428 |
| Return on Equity (ROE) | 7.5521% | 3,310 |
| Retained earnings to average equity (ytd only) | 3.4733% | 3,773 |
| Net charge-offs to loans | 0.0066% | 5,869 |
| Credit loss provision to net charge-offs | 1,333.3333% | 190 |
| Earnings coverage of net charge-offs (x) | 375.0000% | 110 |
| Efficiency ratio | 65.7951% | 4,543 |
| Assets per employee ($millions) | 5.4117% | 1,771 |
| Cash dividends to net income (ytd only)* | 54.0092% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8992% | 2,299 |
| Loan loss allowance to noncurrent loans | 63.5125% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2889% | 3,500 |
| Noncurrent loans to loans | 2.9904% | 1,744 |
| Net loans and leases to total assets | 42.2829% | 5,976 |
| Net loans and leases to deposits | 49.7830% | 5,972 |
| Net loans and leases to core deposits | 51.7552% | 6,031 |
| Total domestic deposits to total assets | 84.9344% | 3,893 |
| Equity capital to assets | 13.5384% | 1,213 |
| Core capital (leverage) ratio | 11.8798% | 1,628 |
| Tier 1 risk-based capital ratio | 24.5539% | 905 |
| Total risk-based capital ratio | 25.8245% | 885 |
| Memoranda: | ||
| Average total assets | $105,174,800 | 4,705 |
| Average earning assets | $99,912,400 | 4,595 |
| Average equity | $14,366,800 | 4,094 |
| Average total loans | $45,594,600 | 5,266 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 5,749 |
| Cost of funding earning assets | 0.6838% | 3,908 |
| Net interest margin | 3.2326% | 5,604 |
| Noninterest income to average assets | 0.2503% | 5,774 |
| Noninterest expense to average assets | 2.3522% | 5,537 |
| Loan and lease loss provision to assets | 0.0511% | 5,117 |
| Net operating income to assets | 0.9258% | 2,849 |
| Return on assets (ROA) | 0.9258% | 3,074 |
| Pretax return on assets | 0.9258% | 4,009 |
| Return on Equity (ROE) | 6.7620% | 3,926 |
| Retained earnings to average equity (ytd only) | 1.2964% | 5,656 |
| Net charge-offs to loans | 0.0176% | 5,431 |
| Credit loss provision to net charge-offs | 666.6667% | 404 |
| Earnings coverage of net charge-offs (x) | 127.4963% | 345 |
| Efficiency ratio | 70.6559% | 3,564 |
| Assets per employee ($millions) | 5.3408% | 1,794 |
| Cash dividends to net income (ytd only)* | 80.8274% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 2,166 |
| Loan loss allowance to noncurrent loans | 82.1395% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 4,271 |
| Noncurrent loans to loans | 2.4346% | 2,360 |
| Net loans and leases to total assets | 40.5108% | 6,242 |
| Net loans and leases to deposits | 47.0752% | 6,313 |
| Net loans and leases to core deposits | 49.2152% | 6,329 |
| Total domestic deposits to total assets | 86.0555% | 3,223 |
| Equity capital to assets | 13.5495% | 1,329 |
| Core capital (leverage) ratio | 11.9365% | 1,692 |
| Tier 1 risk-based capital ratio | 25.1654% | 891 |
| Total risk-based capital ratio | 26.4197% | 882 |
| Memoranda: | ||
| Average total assets | $104,410,250 | 4,762 |
| Average earning assets | $99,441,500 | 4,656 |
| Average equity | $14,295,250 | 4,143 |
| Average total loans | $45,330,750 | 5,330 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 5,701 |
| Cost of funding earning assets | 0.7254% | 3,804 |
| Net interest margin | 3.2571% | 5,570 |
| Noninterest income to average assets | 0.2645% | 5,689 |
| Noninterest expense to average assets | 2.2759% | 5,806 |
| Loan and lease loss provision to assets | 0.0772% | 4,651 |
| Net operating income to assets | 1.0057% | 2,438 |
| Return on assets (ROA) | 1.0057% | 2,656 |
| Pretax return on assets | 1.0057% | 3,685 |
| Return on Equity (ROE) | 7.3195% | 3,602 |
| Retained earnings to average equity (ytd only) | 0.1826% | 5,982 |
| Net charge-offs to loans | -0.0044% | 6,147 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7586% | 4,174 |
| Assets per employee ($millions) | 5.1758% | 1,952 |
| Cash dividends to net income (ytd only)* | 97.5048% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 2,419 |
| Loan loss allowance to noncurrent loans | 79.4643% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 2.0770% | 2,692 |
| Noncurrent loans to loans | 2.4400% | 2,462 |
| Net loans and leases to total assets | 43.4826% | 6,068 |
| Net loans and leases to deposits | 50.6749% | 6,134 |
| Net loans and leases to core deposits | 53.0609% | 6,157 |
| Total domestic deposits to total assets | 85.8069% | 3,449 |
| Equity capital to assets | 13.8531% | 1,162 |
| Core capital (leverage) ratio | 12.0972% | 1,555 |
| Tier 1 risk-based capital ratio | 23.9252% | 1,022 |
| Total risk-based capital ratio | 25.1749% | 1,005 |
| Memoranda: | ||
| Average total assets | $103,608,330 | 4,811 |
| Average earning assets | $98,431,670 | 4,705 |
| Average equity | $14,236,000 | 4,155 |
| Average total loans | $45,722,670 | 5,353 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 5,707 |
| Cost of funding earning assets | 0.7637% | 3,760 |
| Net interest margin | 3.2539% | 5,622 |
| Noninterest income to average assets | 0.2547% | 5,821 |
| Noninterest expense to average assets | 2.2613% | 5,876 |
| Loan and lease loss provision to assets | 0.1544% | 3,444 |
| Net operating income to assets | 0.9300% | 2,789 |
| Return on assets (ROA) | 0.9300% | 2,994 |
| Pretax return on assets | 0.9300% | 3,933 |
| Return on Equity (ROE) | 6.7964% | 3,896 |
| Retained earnings to average equity (ytd only) | -1.5792% | 6,224 |
| Net charge-offs to loans | -0.0175% | 6,130 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5894% | 4,254 |
| Assets per employee ($millions) | 5.1987% | 1,994 |
| Cash dividends to net income (ytd only)* | 123.2365% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 2,537 |
| Loan loss allowance to noncurrent loans | 69.6094% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.2794% | 2,615 |
| Noncurrent loans to loans | 2.7952% | 2,317 |
| Net loans and leases to total assets | 43.1858% | 6,083 |
| Net loans and leases to deposits | 50.1228% | 6,130 |
| Net loans and leases to core deposits | 52.2968% | 6,182 |
| Total domestic deposits to total assets | 86.1600% | 3,435 |
| Equity capital to assets | 13.5342% | 1,224 |
| Core capital (leverage) ratio | 12.0356% | 1,564 |
| Tier 1 risk-based capital ratio | 23.7499% | 1,033 |
| Total risk-based capital ratio | 25.0066% | 1,018 |
| Memoranda: | ||
| Average total assets | $103,655,000 | 4,844 |
| Average earning assets | $98,466,000 | 4,729 |
| Average equity | $14,184,000 | 4,167 |
| Average total loans | $45,633,500 | 5,388 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 5,989 |
| Cost of funding earning assets | 0.9122% | 4,033 |
| Net interest margin | 3.3122% | 5,771 |
| Noninterest income to average assets | 0.2757% | 5,561 |
| Noninterest expense to average assets | 2.1787% | 6,314 |
| Loan and lease loss provision to assets | 0.2380% | 3,830 |
| Net operating income to assets | 0.9917% | 2,231 |
| Return on assets (ROA) | 0.9917% | 2,375 |
| Pretax return on assets | 0.9917% | 3,273 |
| Return on Equity (ROE) | 7.3389% | 3,227 |
| Retained earnings to average equity (ytd only) | 1.8421% | 4,906 |
| Net charge-offs to loans | 0.0262% | 6,069 |
| Credit loss provision to net charge-offs | 2,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 103.3333% | 302 |
| Efficiency ratio | 63.9220% | 5,142 |
| Assets per employee ($millions) | 5.1668% | 1,981 |
| Cash dividends to net income (ytd only)* | 74.9000% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 2,665 |
| Loan loss allowance to noncurrent loans | 66.2246% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 2.3148% | 2,609 |
| Noncurrent loans to loans | 2.8192% | 2,326 |
| Net loans and leases to total assets | 43.1844% | 6,278 |
| Net loans and leases to deposits | 50.2472% | 6,348 |
| Net loans and leases to core deposits | 53.0209% | 6,367 |
| Total domestic deposits to total assets | 85.9439% | 3,354 |
| Equity capital to assets | 13.8345% | 1,132 |
| Core capital (leverage) ratio | 11.7091% | 1,757 |
| Tier 1 risk-based capital ratio | 24.2091% | 948 |
| Total risk-based capital ratio | 25.4826% | 934 |
| Memoranda: | ||
| Average total assets | $100,840,800 | 4,870 |
| Average earning assets | $95,373,800 | 4,777 |
| Average equity | $13,626,000 | 4,207 |
| Average total loans | $45,847,600 | 5,431 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 6,146 |
| Cost of funding earning assets | 0.9406% | 4,106 |
| Net interest margin | 3.2859% | 5,900 |
| Noninterest income to average assets | 0.2807% | 5,603 |
| Noninterest expense to average assets | 2.1154% | 6,479 |
| Loan and lease loss provision to assets | 0.2395% | 3,614 |
| Net operating income to assets | 1.0351% | 2,197 |
| Return on assets (ROA) | 1.0351% | 2,351 |
| Pretax return on assets | 1.0351% | 3,265 |
| Return on Equity (ROE) | 7.7075% | 3,175 |
| Retained earnings to average equity (ytd only) | 0.2873% | 5,869 |
| Net charge-offs to loans | -0.0290% | 6,970 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4019% | 5,350 |
| Assets per employee ($millions) | 4.7088% | 2,611 |
| Cash dividends to net income (ytd only)* | 96.2721% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 3,132 |
| Loan loss allowance to noncurrent loans | 76.0075% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.1884% | 2,916 |
| Noncurrent loans to loans | 2.2921% | 3,006 |
| Net loans and leases to total assets | 44.1541% | 6,322 |
| Net loans and leases to deposits | 51.4690% | 6,409 |
| Net loans and leases to core deposits | 54.1390% | 6,453 |
| Total domestic deposits to total assets | 85.7878% | 3,335 |
| Equity capital to assets | 13.7382% | 1,269 |
| Core capital (leverage) ratio | 12.1127% | 1,642 |
| Tier 1 risk-based capital ratio | 23.2192% | 1,118 |
| Total risk-based capital ratio | 24.4774% | 1,098 |
| Memoranda: | ||
| Average total assets | $100,217,000 | 4,923 |
| Average earning assets | $94,826,750 | 4,825 |
| Average equity | $13,458,500 | 4,255 |
| Average total loans | $45,941,000 | 5,470 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 5,498 |
| Cost of funding earning assets | 0.9709% | 4,163 |
| Net interest margin | 3.4869% | 5,219 |
| Noninterest income to average assets | 0.2826% | 5,627 |
| Noninterest expense to average assets | 2.1576% | 6,488 |
| Loan and lease loss provision to assets | 0.2422% | 3,485 |
| Net operating income to assets | 1.1807% | 1,634 |
| Return on assets (ROA) | 1.1807% | 1,719 |
| Pretax return on assets | 1.1807% | 2,559 |
| Return on Equity (ROE) | 8.8632% | 2,570 |
| Retained earnings to average equity (ytd only) | 0.2879% | 5,722 |
| Net charge-offs to loans | -0.0394% | 6,988 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2593% | 5,833 |
| Assets per employee ($millions) | 4.5945% | 2,694 |
| Cash dividends to net income (ytd only)* | 96.7521% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 3,749 |
| Loan loss allowance to noncurrent loans | 70.0935% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 2.2457% | 2,919 |
| Noncurrent loans to loans | 2.2624% | 3,146 |
| Net loans and leases to total assets | 46.0477% | 6,265 |
| Net loans and leases to deposits | 53.5375% | 6,343 |
| Net loans and leases to core deposits | 56.5505% | 6,374 |
| Total domestic deposits to total assets | 86.0101% | 3,324 |
| Equity capital to assets | 13.5704% | 1,258 |
| Core capital (leverage) ratio | 12.3087% | 1,450 |
| Tier 1 risk-based capital ratio | 23.0225% | 1,117 |
| Total risk-based capital ratio | 24.2750% | 1,099 |
| Memoranda: | ||
| Average total assets | $99,091,330 | 4,988 |
| Average earning assets | $93,722,670 | 4,891 |
| Average equity | $13,200,670 | 4,293 |
| Average total loans | $45,737,330 | 5,530 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 5,589 |
| Cost of funding earning assets | 1.0014% | 4,195 |
| Net interest margin | 3.4271% | 5,313 |
| Noninterest income to average assets | 0.2773% | 5,685 |
| Noninterest expense to average assets | 2.0714% | 6,691 |
| Loan and lease loss provision to assets | 0.2447% | 3,218 |
| Net operating income to assets | 1.1988% | 1,527 |
| Return on assets (ROA) | 1.1988% | 1,572 |
| Pretax return on assets | 1.1988% | 2,373 |
| Return on Equity (ROE) | 9.0863% | 2,450 |
| Retained earnings to average equity (ytd only) | -2.1943% | 6,178 |
| Net charge-offs to loans | -0.0801% | 7,021 |
| Credit loss provision to net charge-offs | -666.6667% | 6,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9327% | 6,138 |
| Assets per employee ($millions) | 4.4570% | 2,963 |
| Cash dividends to net income (ytd only)* | 124.1497% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 4,148 |
| Loan loss allowance to noncurrent loans | 64.7887% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 2.3099% | 2,936 |
| Noncurrent loans to loans | 2.3345% | 3,157 |
| Net loans and leases to total assets | 45.8222% | 6,304 |
| Net loans and leases to deposits | 53.0191% | 6,388 |
| Net loans and leases to core deposits | 56.2214% | 6,397 |
| Total domestic deposits to total assets | 86.4260% | 3,274 |
| Equity capital to assets | 13.1906% | 1,303 |
| Core capital (leverage) ratio | 12.5333% | 1,311 |
| Tier 1 risk-based capital ratio | 23.5572% | 1,015 |
| Total risk-based capital ratio | 24.8078% | 998 |
| Memoranda: | ||
| Average total assets | $98,097,000 | 5,052 |
| Average earning assets | $92,673,500 | 4,953 |
| Average equity | $12,942,500 | 4,348 |
| Average total loans | $44,958,500 | 5,614 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 4,987 |
| Cost of funding earning assets | 1.4060% | 3,224 |
| Net interest margin | 3.5025% | 5,242 |
| Noninterest income to average assets | 0.2687% | 5,867 |
| Noninterest expense to average assets | 2.1175% | 6,806 |
| Loan and lease loss provision to assets | 0.3629% | 3,941 |
| Net operating income to assets | 1.0394% | 1,914 |
| Return on assets (ROA) | 1.0394% | 2,017 |
| Pretax return on assets | 1.0394% | 2,812 |
| Return on Equity (ROE) | 7.6854% | 2,820 |
| Retained earnings to average equity (ytd only) | 1.3763% | 4,855 |
| Net charge-offs to loans | 0.6663% | 3,014 |
| Credit loss provision to net charge-offs | 112.2977% | 3,891 |
| Earnings coverage of net charge-offs (x) | 4.3398% | 2,962 |
| Efficiency ratio | 59.3286% | 6,142 |
| Assets per employee ($millions) | 4.6733% | 2,589 |
| Cash dividends to net income (ytd only)* | 82.0926% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 4,497 |
| Loan loss allowance to noncurrent loans | 57.8212% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.3171% | 2,952 |
| Noncurrent loans to loans | 2.4246% | 3,091 |
| Net loans and leases to total assets | 44.5032% | 6,674 |
| Net loans and leases to deposits | 51.4532% | 6,782 |
| Net loans and leases to core deposits | 54.1034% | 6,806 |
| Total domestic deposits to total assets | 86.4926% | 3,084 |
| Equity capital to assets | 13.1966% | 1,303 |
| Core capital (leverage) ratio | 11.9920% | 1,552 |
| Tier 1 risk-based capital ratio | 24.1695% | 917 |
| Total risk-based capital ratio | 25.3809% | 904 |
| Memoranda: | ||
| Average total assets | $95,629,800 | 5,107 |
| Average earning assets | $88,764,000 | 5,059 |
| Average equity | $12,933,600 | 4,376 |
| Average total loans | $46,376,200 | 5,622 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 4,474 |
| Cost of funding earning assets | 1.4824% | 3,072 |
| Net interest margin | 3.5884% | 4,930 |
| Noninterest income to average assets | 0.2498% | 6,102 |
| Noninterest expense to average assets | 2.1276% | 6,792 |
| Loan and lease loss provision to assets | 0.4870% | 3,040 |
| Net operating income to assets | 0.9543% | 2,398 |
| Return on assets (ROA) | 0.9543% | 2,528 |
| Pretax return on assets | 0.9543% | 3,349 |
| Return on Equity (ROE) | 7.0123% | 3,339 |
| Retained earnings to average equity (ytd only) | -1.4025% | 6,083 |
| Net charge-offs to loans | 0.9041% | 2,192 |
| Credit loss provision to net charge-offs | 109.1195% | 3,898 |
| Earnings coverage of net charge-offs (x) | 3.2296% | 3,533 |
| Efficiency ratio | 58.5136% | 6,185 |
| Assets per employee ($millions) | 4.8680% | 2,369 |
| Cash dividends to net income (ytd only)* | 120.0002% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 4,417 |
| Loan loss allowance to noncurrent loans | 15,300.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 4,680 |
| Noncurrent loans to loans | 0.0092% | 7,250 |
| Net loans and leases to total assets | 44.0242% | 6,840 |
| Net loans and leases to deposits | 51.3988% | 6,915 |
| Net loans and leases to core deposits | 54.0811% | 6,951 |
| Total domestic deposits to total assets | 85.6522% | 3,264 |
| Equity capital to assets | 13.7418% | 1,262 |
| Core capital (leverage) ratio | 12.4608% | 1,435 |
| Tier 1 risk-based capital ratio | 23.4326% | 1,011 |
| Total risk-based capital ratio | 24.6202% | 996 |
| Memoranda: | ||
| Average total assets | $95,002,500 | 5,190 |
| Average earning assets | $87,873,250 | 5,146 |
| Average equity | $12,929,250 | 4,453 |
| Average total loans | $46,896,250 | 5,680 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 4,095 |
| Cost of funding earning assets | 1.5439% | 2,992 |
| Net interest margin | 3.6260% | 4,706 |
| Noninterest income to average assets | 0.2611% | 6,052 |
| Noninterest expense to average assets | 2.2034% | 6,642 |
| Loan and lease loss provision to assets | 0.5413% | 2,613 |
| Net operating income to assets | 0.8916% | 2,580 |
| Return on assets (ROA) | 0.8916% | 2,704 |
| Pretax return on assets | 0.8916% | 3,529 |
| Return on Equity (ROE) | 6.5731% | 3,515 |
| Retained earnings to average equity (ytd only) | -5.0394% | 6,557 |
| Net charge-offs to loans | 1.3073% | 1,454 |
| Credit loss provision to net charge-offs | 81.2102% | 4,672 |
| Earnings coverage of net charge-offs (x) | 2.1497% | 3,946 |
| Efficiency ratio | 58.9609% | 6,226 |
| Assets per employee ($millions) | 4.4937% | 2,892 |
| Cash dividends to net income (ytd only)* | 176.6667% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,854 |
| Loan loss allowance to noncurrent loans | 43.6667% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 1.2716% | 4,605 |
| Noncurrent loans to loans | 2.5621% | 3,086 |
| Net loans and leases to total assets | 49.0775% | 6,533 |
| Net loans and leases to deposits | 57.2600% | 6,636 |
| Net loans and leases to core deposits | 60.1702% | 6,704 |
| Total domestic deposits to total assets | 85.7100% | 3,257 |
| Equity capital to assets | 13.7294% | 1,263 |
| Core capital (leverage) ratio | 12.4289% | 1,434 |
| Tier 1 risk-based capital ratio | 22.3985% | 1,141 |
| Total risk-based capital ratio | 23.3856% | 1,155 |
| Memoranda: | ||
| Average total assets | $94,216,670 | 5,245 |
| Average earning assets | $87,700,330 | 5,192 |
| Average equity | $12,779,330 | 4,489 |
| Average total loans | $48,037,000 | 5,688 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2611% | 3,724 |
| Cost of funding earning assets | 1.5693% | 3,142 |
| Net interest margin | 3.6919% | 4,284 |
| Noninterest income to average assets | 0.2507% | 6,147 |
| Noninterest expense to average assets | 2.2307% | 6,610 |
| Loan and lease loss provision to assets | 0.2549% | 4,004 |
| Net operating income to assets | 1.2237% | 1,477 |
| Return on assets (ROA) | 1.2237% | 1,551 |
| Pretax return on assets | 1.2237% | 2,287 |
| Return on Equity (ROE) | 9.0773% | 2,468 |
| Retained earnings to average equity (ytd only) | -6.5873% | 6,697 |
| Net charge-offs to loans | 0.0164% | 5,354 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 196 |
| Efficiency ratio | 58.5338% | 6,407 |
| Assets per employee ($millions) | 4.4816% | 2,987 |
| Cash dividends to net income (ytd only)* | 172.5694% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,931 |
| Loan loss allowance to noncurrent loans | 100.6279% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 5,822 |
| Noncurrent loans to loans | 1.2937% | 4,816 |
| Net loans and leases to total assets | 51.6390% | 6,308 |
| Net loans and leases to deposits | 60.1049% | 6,458 |
| Net loans and leases to core deposits | 63.5655% | 6,485 |
| Total domestic deposits to total assets | 85.9148% | 3,201 |
| Equity capital to assets | 13.4965% | 1,328 |
| Core capital (leverage) ratio | 12.6265% | 1,355 |
| Tier 1 risk-based capital ratio | 21.8568% | 1,218 |
| Total risk-based capital ratio | 23.0253% | 1,219 |
| Memoranda: | ||
| Average total assets | $94,141,500 | 5,313 |
| Average earning assets | $88,194,000 | 5,232 |
| Average equity | $12,691,000 | 4,544 |
| Average total loans | $48,637,000 | 5,727 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4777% | 4,276 |
| Cost of funding earning assets | 1.7726% | 4,139 |
| Net interest margin | 3.7050% | 4,122 |
| Noninterest income to average assets | 0.2807% | 6,099 |
| Noninterest expense to average assets | 2.1799% | 7,036 |
| Loan and lease loss provision to assets | 0.2422% | 5,445 |
| Net operating income to assets | 1.3564% | 925 |
| Return on assets (ROA) | 1.3564% | 978 |
| Pretax return on assets | 1.3564% | 1,542 |
| Return on Equity (ROE) | 9.8707% | 1,727 |
| Retained earnings to average equity (ytd only) | 2.9564% | 3,102 |
| Net charge-offs to loans | 0.6176% | 3,360 |
| Credit loss provision to net charge-offs | 74.0741% | 6,416 |
| Earnings coverage of net charge-offs (x) | 4.8889% | 2,769 |
| Efficiency ratio | 56.0315% | 7,010 |
| Assets per employee ($millions) | 4.4843% | 2,955 |
| Cash dividends to net income (ytd only)* | 70.0487% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 5,275 |
| Loan loss allowance to noncurrent loans | 92.6868% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6679% | 5,796 |
| Noncurrent loans to loans | 1.3095% | 4,733 |
| Net loans and leases to total assets | 50.3887% | 6,593 |
| Net loans and leases to deposits | 58.5771% | 6,742 |
| Net loans and leases to core deposits | 69.5080% | 6,802 |
| Total domestic deposits to total assets | 86.0210% | 3,010 |
| Equity capital to assets | 13.4650% | 1,338 |
| Core capital (leverage) ratio | 12.3697% | 1,503 |
| Tier 1 risk-based capital ratio | 22.4573% | 1,102 |
| Total risk-based capital ratio | 23.5319% | 1,098 |
| Memoranda: | ||
| Average total assets | $90,830,000 | 5,368 |
| Average earning assets | $85,748,400 | 5,272 |
| Average equity | $12,481,400 | 4,637 |
| Average total loans | $48,085,800 | 5,755 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5028% | 4,404 |
| Cost of funding earning assets | 1.8040% | 4,366 |
| Net interest margin | 3.6988% | 4,074 |
| Noninterest income to average assets | 0.2741% | 6,270 |
| Noninterest expense to average assets | 2.2238% | 6,913 |
| Loan and lease loss provision to assets | 0.2370% | 5,069 |
| Net operating income to assets | 1.3126% | 1,190 |
| Return on assets (ROA) | 1.3126% | 1,266 |
| Pretax return on assets | 1.3126% | 1,925 |
| Return on Equity (ROE) | 9.5023% | 2,096 |
| Retained earnings to average equity (ytd only) | 0.2467% | 5,097 |
| Net charge-offs to loans | 0.8011% | 2,361 |
| Credit loss provision to net charge-offs | 55.3633% | 6,239 |
| Earnings coverage of net charge-offs (x) | 3.6194% | 3,454 |
| Efficiency ratio | 57.2438% | 6,836 |
| Assets per employee ($millions) | 4.2697% | 3,255 |
| Cash dividends to net income (ytd only)* | 97.4046% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,735 |
| Loan loss allowance to noncurrent loans | 278.0105% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 7,015 |
| Noncurrent loans to loans | 0.3952% | 6,551 |
| Net loans and leases to total assets | 50.8900% | 6,707 |
| Net loans and leases to deposits | 59.3428% | 6,879 |
| Net loans and leases to core deposits | 69.8782% | 6,971 |
| Total domestic deposits to total assets | 85.7560% | 2,828 |
| Equity capital to assets | 13.4956% | 1,501 |
| Core capital (leverage) ratio | 12.6129% | 1,533 |
| Tier 1 risk-based capital ratio | 21.7067% | 1,259 |
| Total risk-based capital ratio | 22.6816% | 1,275 |
| Memoranda: | ||
| Average total assets | $89,995,000 | 5,427 |
| Average earning assets | $85,142,750 | 5,334 |
| Average equity | $12,431,750 | 4,674 |
| Average total loans | $48,098,750 | 5,797 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5604% | 4,285 |
| Cost of funding earning assets | 1.8400% | 4,554 |
| Net interest margin | 3.7205% | 3,873 |
| Noninterest income to average assets | 0.2887% | 6,204 |
| Noninterest expense to average assets | 2.3071% | 6,740 |
| Loan and lease loss provision to assets | 0.2255% | 4,772 |
| Net operating income to assets | 1.2810% | 1,273 |
| Return on assets (ROA) | 1.2810% | 1,364 |
| Pretax return on assets | 1.2810% | 2,081 |
| Return on Equity (ROE) | 9.1984% | 2,286 |
| Retained earnings to average equity (ytd only) | -2.8178% | 5,936 |
| Net charge-offs to loans | 1.1828% | 1,544 |
| Credit loss provision to net charge-offs | 35.2113% | 5,967 |
| Earnings coverage of net charge-offs (x) | 2.3521% | 3,888 |
| Efficiency ratio | 58.8409% | 6,714 |
| Assets per employee ($millions) | 3.9372% | 3,800 |
| Cash dividends to net income (ytd only)* | 130.6338% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 6,326 |
| Loan loss allowance to noncurrent loans | 40.5106% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 4,350 |
| Noncurrent loans to loans | 2.4430% | 2,957 |
| Net loans and leases to total assets | 52.5868% | 6,617 |
| Net loans and leases to deposits | 61.2578% | 6,797 |
| Net loans and leases to core deposits | 71.5972% | 6,927 |
| Total domestic deposits to total assets | 85.8451% | 2,866 |
| Equity capital to assets | 13.4625% | 1,507 |
| Core capital (leverage) ratio | 12.8458% | 1,483 |
| Tier 1 risk-based capital ratio | 21.5627% | 1,323 |
| Total risk-based capital ratio | 22.4465% | 1,329 |
| Memoranda: | ||
| Average total assets | $88,682,000 | 5,508 |
| Average earning assets | $84,022,000 | 5,415 |
| Average equity | $12,350,000 | 4,725 |
| Average total loans | $48,020,330 | 5,847 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 4,622 |
| Cost of funding earning assets | 1.8655% | 4,807 |
| Net interest margin | 3.6877% | 3,945 |
| Noninterest income to average assets | 0.3100% | 5,963 |
| Noninterest expense to average assets | 2.2018% | 6,863 |
| Loan and lease loss provision to assets | 0.1823% | 4,621 |
| Net operating income to assets | 1.4223% | 1,092 |
| Return on assets (ROA) | 1.4223% | 1,179 |
| Pretax return on assets | 1.4223% | 1,903 |
| Return on Equity (ROE) | 10.0406% | 2,300 |
| Retained earnings to average equity (ytd only) | -5.5996% | 6,634 |
| Net charge-offs to loans | 2.3342% | 625 |
| Credit loss provision to net charge-offs | 14.2857% | 5,147 |
| Earnings coverage of net charge-offs (x) | 1.2571% | 4,113 |
| Efficiency ratio | 56.1677% | 6,954 |
| Assets per employee ($millions) | 3.6437% | 4,472 |
| Cash dividends to net income (ytd only)* | 155.7692% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 6,844 |
| Loan loss allowance to noncurrent loans | 58.4145% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 5,121 |
| Noncurrent loans to loans | 1.4995% | 4,040 |
| Net loans and leases to total assets | 54.3500% | 6,426 |
| Net loans and leases to deposits | 63.8071% | 6,577 |
| Net loans and leases to core deposits | 72.6772% | 6,877 |
| Total domestic deposits to total assets | 85.1786% | 3,116 |
| Equity capital to assets | 14.1421% | 1,320 |
| Core capital (leverage) ratio | 13.2505% | 1,404 |
| Tier 1 risk-based capital ratio | 21.5053% | 1,368 |
| Total risk-based capital ratio | 22.2840% | 1,417 |
| Memoranda: | ||
| Average total assets | $87,745,500 | 5,557 |
| Average earning assets | $83,196,500 | 5,454 |
| Average equity | $12,429,500 | 4,723 |
| Average total loans | $47,982,500 | 5,875 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9236% | 5,931 |
| Cost of funding earning assets | 2.4194% | 4,637 |
| Net interest margin | 3.5042% | 5,281 |
| Noninterest income to average assets | 0.2996% | 6,318 |
| Noninterest expense to average assets | 2.1621% | 7,087 |
| Loan and lease loss provision to assets | 0.1342% | 5,641 |
| Net operating income to assets | 1.3292% | 1,406 |
| Return on assets (ROA) | 1.3292% | 1,360 |
| Pretax return on assets | 1.3292% | 2,207 |
| Return on Equity (ROE) | 9.9931% | 2,261 |
| Retained earnings to average equity (ytd only) | 2.6727% | 3,512 |
| Net charge-offs to loans | 0.2761% | 3,553 |
| Credit loss provision to net charge-offs | 90.2256% | 5,680 |
| Earnings coverage of net charge-offs (x) | 9.8421% | 2,622 |
| Efficiency ratio | 57.8785% | 6,722 |
| Assets per employee ($millions) | 3.6685% | 4,243 |
| Cash dividends to net income (ytd only)* | 73.2548% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 3,337 |
| Loan loss allowance to noncurrent loans | 142.5486% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 5,602 |
| Noncurrent loans to loans | 0.9642% | 4,671 |
| Net loans and leases to total assets | 53.7885% | 6,678 |
| Net loans and leases to deposits | 63.1317% | 6,866 |
| Net loans and leases to core deposits | 70.5252% | 7,160 |
| Total domestic deposits to total assets | 85.2004% | 2,749 |
| Equity capital to assets | 14.1885% | 1,377 |
| Core capital (leverage) ratio | 12.8055% | 1,619 |
| Tier 1 risk-based capital ratio | 21.9957% | 1,318 |
| Total risk-based capital ratio | 23.2303% | 1,289 |
| Memoranda: | ||
| Average total assets | $89,451,200 | 5,378 |
| Average earning assets | $84,897,800 | 5,274 |
| Average equity | $11,898,200 | 4,856 |
| Average total loans | $48,166,200 | 5,779 |