Home > Horatio State Bank > Performance and Condition Ratios
Horatio State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3401% | 413 |
| Cost of funding earning assets | 2.7111% | 241 |
| Net interest margin | 3.6289% | 1,906 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.0616% | 3,494 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.9556% | 2,346 |
| Return on assets (ROA) | 0.9556% | 2,341 |
| Pretax return on assets | 1.2485% | 2,013 |
| Return on Equity (ROE) | 8.6500% | 2,846 |
| Retained earnings to average equity (ytd only) | 5.3424% | 2,470 |
| Net charge-offs to loans | 0.2871% | 373 |
| Credit loss provision to net charge-offs | 113.4969% | 1,731 |
| Earnings coverage of net charge-offs (x) | 6.4571% | 2,467 |
| Efficiency ratio | 57.6459% | 3,332 |
| Assets per employee ($millions) | 6.4578% | 2,445 |
| Cash dividends to net income (ytd only)* | 38.2154% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 790 |
| Loan loss allowance to noncurrent loans | 133.8393% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 476 |
| Noncurrent loans to loans | 1.2180% | 583 |
| Net loans and leases to total assets | 80.5700% | 575 |
| Net loans and leases to deposits | 90.5688% | 1,223 |
| Net loans and leases to core deposits | 132.6846% | 361 |
| Total domestic deposits to total assets | 88.9600% | 1,079 |
| Equity capital to assets | 10.8523% | 1,558 |
| Core capital (leverage) ratio | 12.1274% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $277,934,800 | 2,538 |
| Average earning assets | $263,878,000 | 2,499 |
| Average equity | $30,716,400 | 2,234 |
| Average total loans | $227,067,800 | 2,121 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2722% | 375 |
| Cost of funding earning assets | 2.5364% | 253 |
| Net interest margin | 3.7358% | 1,711 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.0463% | 3,481 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.1054% | 2,038 |
| Return on assets (ROA) | 1.1054% | 2,020 |
| Pretax return on assets | 1.4451% | 1,685 |
| Return on Equity (ROE) | 9.9500% | 2,651 |
| Retained earnings to average equity (ytd only) | 7.2321% | 2,216 |
| Net charge-offs to loans | 0.2419% | 368 |
| Credit loss provision to net charge-offs | 93.3661% | 1,676 |
| Earnings coverage of net charge-offs (x) | 8.2506% | 2,204 |
| Efficiency ratio | 55.6700% | 3,424 |
| Assets per employee ($millions) | 6.4418% | 2,367 |
| Cash dividends to net income (ytd only)* | 27.3486% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 867 |
| Loan loss allowance to noncurrent loans | 109.3841% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2292% | 360 |
| Noncurrent loans to loans | 1.4724% | 500 |
| Net loans and leases to total assets | 81.1500% | 517 |
| Net loans and leases to deposits | 91.3009% | 1,114 |
| Net loans and leases to core deposits | 133.5817% | 297 |
| Total domestic deposits to total assets | 88.8800% | 1,297 |
| Equity capital to assets | 10.9180% | 1,377 |
| Core capital (leverage) ratio | 12.2518% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $274,768,250 | 2,560 |
| Average earning assets | $260,678,750 | 2,518 |
| Average equity | $30,511,250 | 2,228 |
| Average total loans | $224,331,250 | 2,136 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1320% | 382 |
| Cost of funding earning assets | 2.3170% | 266 |
| Net interest margin | 3.8150% | 1,594 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.0965% | 3,356 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.1630% | 1,941 |
| Return on assets (ROA) | 1.1630% | 1,935 |
| Pretax return on assets | 1.5124% | 1,571 |
| Return on Equity (ROE) | 10.4100% | 2,593 |
| Retained earnings to average equity (ytd only) | 6.5401% | 2,441 |
| Net charge-offs to loans | 0.2116% | 382 |
| Credit loss provision to net charge-offs | 76.9231% | 1,567 |
| Earnings coverage of net charge-offs (x) | 9.5556% | 2,021 |
| Efficiency ratio | 56.0362% | 3,408 |
| Assets per employee ($millions) | 6.2037% | 2,538 |
| Cash dividends to net income (ytd only)* | 37.1917% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 882 |
| Loan loss allowance to noncurrent loans | 97.4199% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 270 |
| Noncurrent loans to loans | 1.6713% | 375 |
| Net loans and leases to total assets | 80.9000% | 531 |
| Net loans and leases to deposits | 91.1152% | 1,096 |
| Net loans and leases to core deposits | 130.2672% | 322 |
| Total domestic deposits to total assets | 88.7900% | 1,321 |
| Equity capital to assets | 10.9824% | 1,396 |
| Core capital (leverage) ratio | 12.4359% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $271,877,333 | 2,577 |
| Average earning assets | $258,089,000 | 2,537 |
| Average equity | $30,366,333 | 2,252 |
| Average total loans | $221,183,667 | 2,148 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9892% | 316 |
| Cost of funding earning assets | 2.1001% | 235 |
| Net interest margin | 3.8891% | 1,497 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.9640% | 3,703 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.2989% | 1,674 |
| Return on assets (ROA) | 1.2989% | 1,646 |
| Pretax return on assets | 1.6881% | 1,293 |
| Return on Equity (ROE) | 11.5300% | 2,345 |
| Retained earnings to average equity (ytd only) | 6.3402% | 2,675 |
| Net charge-offs to loans | 0.2599% | 292 |
| Credit loss provision to net charge-offs | 85.1064% | 1,190 |
| Earnings coverage of net charge-offs (x) | 8.8794% | 1,707 |
| Efficiency ratio | 51.2651% | 3,834 |
| Assets per employee ($millions) | 6.0312% | 2,734 |
| Cash dividends to net income (ytd only)* | 45.0057% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 778 |
| Loan loss allowance to noncurrent loans | 127.9606% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.1094% | 355 |
| Noncurrent loans to loans | 1.3423% | 492 |
| Net loans and leases to total assets | 79.5000% | 585 |
| Net loans and leases to deposits | 89.6991% | 1,078 |
| Net loans and leases to core deposits | 124.1505% | 361 |
| Total domestic deposits to total assets | 88.6400% | 1,687 |
| Equity capital to assets | 11.1707% | 1,281 |
| Core capital (leverage) ratio | 12.5258% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $268,233,000 | 2,627 |
| Average earning assets | $254,659,000 | 2,583 |
| Average equity | $30,220,000 | 2,283 |
| Average total loans | $216,987,000 | 2,190 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8070% | 109 |
| Cost of funding earning assets | 1.2858% | 55 |
| Net interest margin | 4.5212% | 282 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.2857% | 2,786 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | 1.3676% | 1,218 |
| Return on assets (ROA) | 1.3676% | 1,176 |
| Pretax return on assets | 1.7964% | 742 |
| Return on Equity (ROE) | 11.5400% | 2,290 |
| Retained earnings to average equity (ytd only) | 7.9477% | 1,860 |
| Net charge-offs to loans | 0.3561% | 210 |
| Credit loss provision to net charge-offs | 125.1748% | 1,432 |
| Earnings coverage of net charge-offs (x) | 7.6084% | 2,299 |
| Efficiency ratio | 51.5281% | 4,027 |
| Assets per employee ($millions) | 5.7622% | 2,982 |
| Cash dividends to net income (ytd only)* | 31.1561% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 1,033 |
| Loan loss allowance to noncurrent loans | 179.2222% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 679 |
| Noncurrent loans to loans | 0.8754% | 848 |
| Net loans and leases to total assets | 79.6300% | 632 |
| Net loans and leases to deposits | 89.9662% | 1,055 |
| Net loans and leases to core deposits | 120.2274% | 365 |
| Total domestic deposits to total assets | 88.5100% | 1,877 |
| Equity capital to assets | 11.3642% | 1,122 |
| Core capital (leverage) ratio | 12.8632% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $253,003,000 | 2,708 |
| Average earning assets | $240,708,800 | 2,667 |
| Average equity | $29,971,000 | 2,338 |
| Average total loans | $200,812,000 | 2,227 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7553% | 92 |
| Cost of funding earning assets | 1.1760% | 27 |
| Net interest margin | 4.5792% | 207 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.2523% | 2,781 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | 1.4080% | 1,070 |
| Return on assets (ROA) | 1.4080% | 1,041 |
| Pretax return on assets | 1.8982% | 588 |
| Return on Equity (ROE) | 11.7600% | 2,114 |
| Retained earnings to average equity (ytd only) | 8.2671% | 1,901 |
| Net charge-offs to loans | 0.3276% | 197 |
| Credit loss provision to net charge-offs | 129.8969% | 1,180 |
| Earnings coverage of net charge-offs (x) | 8.6371% | 2,039 |
| Efficiency ratio | 50.2021% | 4,145 |
| Assets per employee ($millions) | 5.4718% | 3,254 |
| Cash dividends to net income (ytd only)* | 29.6970% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 1,066 |
| Loan loss allowance to noncurrent loans | 191.3218% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 763 |
| Noncurrent loans to loans | 0.8349% | 940 |
| Net loans and leases to total assets | 79.7400% | 551 |
| Net loans and leases to deposits | 90.2548% | 877 |
| Net loans and leases to core deposits | 117.8949% | 299 |
| Total domestic deposits to total assets | 88.3500% | 2,318 |
| Equity capital to assets | 11.5108% | 1,009 |
| Core capital (leverage) ratio | 12.9533% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $249,988,750 | 2,749 |
| Average earning assets | $237,966,750 | 2,697 |
| Average equity | $29,933,250 | 2,370 |
| Average total loans | $197,409,500 | 2,248 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6248% | 92 |
| Cost of funding earning assets | 1.0965% | 25 |
| Net interest margin | 4.5283% | 187 |
| Noninterest income to average assets | 0.1406% | 4,313 |
| Noninterest expense to average assets | 2.2666% | 2,649 |
| Loan and lease loss provision to assets | 0.3473% | 175 |
| Net operating income to assets | 1.3603% | 1,001 |
| Return on assets (ROA) | 1.3603% | 978 |
| Pretax return on assets | 1.8466% | 535 |
| Return on Equity (ROE) | 11.2105% | 1,917 |
| Retained earnings to average equity (ytd only) | 7.2961% | 1,882 |
| Net charge-offs to loans | 0.3458% | 202 |
| Credit loss provision to net charge-offs | 128.3582% | 1,162 |
| Earnings coverage of net charge-offs (x) | 8.1075% | 1,831 |
| Efficiency ratio | 50.8149% | 4,202 |
| Assets per employee ($millions) | 5.2178% | 3,502 |
| Cash dividends to net income (ytd only)* | 34.9169% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 1,074 |
| Loan loss allowance to noncurrent loans | 147.3046% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 570 |
| Noncurrent loans to loans | 1.1121% | 741 |
| Net loans and leases to total assets | 78.6093% | 512 |
| Net loans and leases to deposits | 89.2528% | 763 |
| Net loans and leases to core deposits | 111.5758% | 323 |
| Total domestic deposits to total assets | 88.0749% | 2,545 |
| Equity capital to assets | 11.8285% | 932 |
| Core capital (leverage) ratio | 12.8808% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,593,333 | 2,789 |
| Average earning assets | $236,205,000 | 2,749 |
| Average equity | $30,043,333 | 2,416 |
| Average total loans | $193,744,000 | 2,274 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6028% | 86 |
| Cost of funding earning assets | 1.1120% | 20 |
| Net interest margin | 4.4907% | 172 |
| Noninterest income to average assets | 0.1430% | 4,297 |
| Noninterest expense to average assets | 2.1384% | 3,011 |
| Loan and lease loss provision to assets | 0.3412% | 171 |
| Net operating income to assets | 1.4397% | 727 |
| Return on assets (ROA) | 1.4397% | 724 |
| Pretax return on assets | 1.9483% | 404 |
| Return on Equity (ROE) | 11.7147% | 1,401 |
| Retained earnings to average equity (ytd only) | 6.5317% | 2,065 |
| Net charge-offs to loans | 0.3149% | 202 |
| Credit loss provision to net charge-offs | 140.0000% | 881 |
| Earnings coverage of net charge-offs (x) | 9.3933% | 1,488 |
| Efficiency ratio | 48.2936% | 4,387 |
| Assets per employee ($millions) | 5.4249% | 3,370 |
| Cash dividends to net income (ytd only)* | 44.2438% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 1,079 |
| Loan loss allowance to noncurrent loans | 127.1160% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0399% | 474 |
| Noncurrent loans to loans | 1.3247% | 659 |
| Net loans and leases to total assets | 75.9009% | 513 |
| Net loans and leases to deposits | 86.4158% | 710 |
| Net loans and leases to core deposits | 107.1016% | 326 |
| Total domestic deposits to total assets | 87.8323% | 2,609 |
| Equity capital to assets | 11.9986% | 956 |
| Core capital (leverage) ratio | 12.7658% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,162,500 | 2,806 |
| Average earning assets | $234,883,000 | 2,767 |
| Average equity | $30,252,500 | 2,473 |
| Average total loans | $190,536,000 | 2,295 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6377% | 116 |
| Cost of funding earning assets | 1.2612% | 21 |
| Net interest margin | 4.3765% | 351 |
| Noninterest income to average assets | 0.1475% | 4,415 |
| Noninterest expense to average assets | 1.9687% | 3,771 |
| Loan and lease loss provision to assets | 0.3864% | 180 |
| Net operating income to assets | 1.5000% | 1,015 |
| Return on assets (ROA) | 1.5000% | 1,066 |
| Pretax return on assets | 1.9795% | 627 |
| Return on Equity (ROE) | 12.1747% | 1,752 |
| Retained earnings to average equity (ytd only) | 7.0620% | 1,899 |
| Net charge-offs to loans | 0.4238% | 195 |
| Credit loss provision to net charge-offs | 119.0781% | 1,653 |
| Earnings coverage of net charge-offs (x) | 7.2907% | 2,350 |
| Efficiency ratio | 45.4179% | 4,524 |
| Assets per employee ($millions) | 5.7805% | 2,977 |
| Cash dividends to net income (ytd only)* | 41.9945% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,071 |
| Loan loss allowance to noncurrent loans | 128.3353% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 536 |
| Noncurrent loans to loans | 1.3167% | 714 |
| Net loans and leases to total assets | 76.2983% | 501 |
| Net loans and leases to deposits | 87.3825% | 688 |
| Net loans and leases to core deposits | 108.6147% | 308 |
| Total domestic deposits to total assets | 87.3153% | 2,376 |
| Equity capital to assets | 12.5888% | 1,036 |
| Core capital (leverage) ratio | 12.8639% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,663,000 | 2,791 |
| Average earning assets | $230,254,200 | 2,744 |
| Average equity | $29,651,600 | 2,561 |
| Average total loans | $184,268,000 | 2,350 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6511% | 127 |
| Cost of funding earning assets | 1.2882% | 24 |
| Net interest margin | 4.3629% | 394 |
| Noninterest income to average assets | 0.1383% | 4,506 |
| Noninterest expense to average assets | 1.8634% | 4,029 |
| Loan and lease loss provision to assets | 0.3998% | 159 |
| Net operating income to assets | 1.5197% | 1,223 |
| Return on assets (ROA) | 1.5197% | 1,272 |
| Pretax return on assets | 2.0460% | 742 |
| Return on Equity (ROE) | 12.4024% | 1,904 |
| Retained earnings to average equity (ytd only) | 7.1233% | 2,365 |
| Net charge-offs to loans | 0.4351% | 176 |
| Credit loss provision to net charge-offs | 120.4013% | 1,465 |
| Earnings coverage of net charge-offs (x) | 7.3662% | 2,138 |
| Efficiency ratio | 43.2419% | 4,614 |
| Assets per employee ($millions) | 5.8198% | 2,868 |
| Cash dividends to net income (ytd only)* | 42.5649% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 1,075 |
| Loan loss allowance to noncurrent loans | 130.6705% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.0125% | 647 |
| Noncurrent loans to loans | 1.3151% | 818 |
| Net loans and leases to total assets | 75.6660% | 571 |
| Net loans and leases to deposits | 86.6824% | 786 |
| Net loans and leases to core deposits | 103.8910% | 460 |
| Total domestic deposits to total assets | 87.2911% | 2,219 |
| Equity capital to assets | 12.6334% | 1,114 |
| Core capital (leverage) ratio | 12.7449% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,133,750 | 2,815 |
| Average earning assets | $229,566,250 | 2,770 |
| Average equity | $29,423,750 | 2,606 |
| Average total loans | $183,229,750 | 2,399 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6879% | 136 |
| Cost of funding earning assets | 1.3249% | 25 |
| Net interest margin | 4.3630% | 440 |
| Noninterest income to average assets | 0.1504% | 4,448 |
| Noninterest expense to average assets | 1.8309% | 4,118 |
| Loan and lease loss provision to assets | 0.4156% | 146 |
| Net operating income to assets | 1.5509% | 1,169 |
| Return on assets (ROA) | 1.5509% | 1,226 |
| Pretax return on assets | 2.0778% | 708 |
| Return on Equity (ROE) | 12.7881% | 1,790 |
| Retained earnings to average equity (ytd only) | 8.5323% | 1,883 |
| Net charge-offs to loans | 0.4599% | 184 |
| Credit loss provision to net charge-offs | 118.7648% | 1,267 |
| Earnings coverage of net charge-offs (x) | 7.1259% | 1,928 |
| Efficiency ratio | 42.3410% | 4,686 |
| Assets per employee ($millions) | 5.7166% | 2,876 |
| Cash dividends to net income (ytd only)* | 33.2797% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 1,037 |
| Loan loss allowance to noncurrent loans | 121.8310% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1225% | 637 |
| Noncurrent loans to loans | 1.4037% | 832 |
| Net loans and leases to total assets | 74.5412% | 709 |
| Net loans and leases to deposits | 85.1660% | 970 |
| Net loans and leases to core deposits | 104.3283% | 527 |
| Total domestic deposits to total assets | 87.5247% | 2,083 |
| Equity capital to assets | 12.4170% | 1,171 |
| Core capital (leverage) ratio | 12.4696% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,640,667 | 2,808 |
| Average earning assets | $230,207,667 | 2,763 |
| Average equity | $29,183,333 | 2,614 |
| Average total loans | $183,071,000 | 2,415 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6980% | 149 |
| Cost of funding earning assets | 1.3572% | 28 |
| Net interest margin | 4.3408% | 479 |
| Noninterest income to average assets | 0.1909% | 4,241 |
| Noninterest expense to average assets | 1.7118% | 4,356 |
| Loan and lease loss provision to assets | 0.4068% | 188 |
| Net operating income to assets | 1.6653% | 999 |
| Return on assets (ROA) | 1.6653% | 1,046 |
| Pretax return on assets | 2.2199% | 668 |
| Return on Equity (ROE) | 13.8975% | 1,453 |
| Retained earnings to average equity (ytd only) | 8.4660% | 2,104 |
| Net charge-offs to loans | 0.4293% | 188 |
| Credit loss provision to net charge-offs | 124.3655% | 1,035 |
| Earnings coverage of net charge-offs (x) | 8.0305% | 1,592 |
| Efficiency ratio | 39.4566% | 4,760 |
| Assets per employee ($millions) | 5.6185% | 2,999 |
| Cash dividends to net income (ytd only)* | 39.0828% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 1,073 |
| Loan loss allowance to noncurrent loans | 136.5973% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 813 |
| Noncurrent loans to loans | 1.2359% | 1,063 |
| Net loans and leases to total assets | 74.3147% | 784 |
| Net loans and leases to deposits | 84.6166% | 1,084 |
| Net loans and leases to core deposits | 104.9910% | 544 |
| Total domestic deposits to total assets | 87.8252% | 1,927 |
| Equity capital to assets | 11.9993% | 1,282 |
| Core capital (leverage) ratio | 12.2483% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,912,000 | 2,791 |
| Average earning assets | $230,185,500 | 2,749 |
| Average equity | $28,868,500 | 2,627 |
| Average total loans | $183,563,500 | 2,417 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0615% | 86 |
| Cost of funding earning assets | 1.6216% | 46 |
| Net interest margin | 4.4399% | 367 |
| Noninterest income to average assets | 0.1693% | 4,444 |
| Noninterest expense to average assets | 1.8948% | 4,329 |
| Loan and lease loss provision to assets | 0.4323% | 664 |
| Net operating income to assets | 1.5737% | 677 |
| Return on assets (ROA) | 1.5737% | 738 |
| Pretax return on assets | 2.0845% | 376 |
| Return on Equity (ROE) | 13.4481% | 936 |
| Retained earnings to average equity (ytd only) | 9.7500% | 638 |
| Net charge-offs to loans | 0.4638% | 355 |
| Credit loss provision to net charge-offs | 119.4346% | 2,637 |
| Earnings coverage of net charge-offs (x) | 6.9529% | 2,736 |
| Efficiency ratio | 42.9496% | 4,817 |
| Assets per employee ($millions) | 5.8592% | 2,485 |
| Cash dividends to net income (ytd only)* | 27.4993% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 1,181 |
| Loan loss allowance to noncurrent loans | 104.4032% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.2101% | 714 |
| Noncurrent loans to loans | 1.5756% | 839 |
| Net loans and leases to total assets | 75.5398% | 840 |
| Net loans and leases to deposits | 85.9162% | 1,261 |
| Net loans and leases to core deposits | 106.5472% | 624 |
| Total domestic deposits to total assets | 87.9227% | 1,513 |
| Equity capital to assets | 11.9666% | 1,587 |
| Core capital (leverage) ratio | 12.1557% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,537,200 | 2,687 |
| Average earning assets | $224,102,600 | 2,639 |
| Average equity | $27,446,200 | 2,642 |
| Average total loans | $183,034,200 | 2,387 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1313% | 90 |
| Cost of funding earning assets | 1.6816% | 51 |
| Net interest margin | 4.4497% | 432 |
| Noninterest income to average assets | 0.1716% | 4,442 |
| Noninterest expense to average assets | 1.8205% | 4,459 |
| Loan and lease loss provision to assets | 0.4311% | 770 |
| Net operating income to assets | 1.6083% | 712 |
| Return on assets (ROA) | 1.6083% | 780 |
| Pretax return on assets | 2.1711% | 361 |
| Return on Equity (ROE) | 13.8241% | 909 |
| Retained earnings to average equity (ytd only) | 10.7614% | 617 |
| Net charge-offs to loans | 0.4577% | 331 |
| Credit loss provision to net charge-offs | 120.2552% | 2,494 |
| Earnings coverage of net charge-offs (x) | 7.2568% | 2,591 |
| Efficiency ratio | 41.1613% | 4,867 |
| Assets per employee ($millions) | 5.7391% | 2,511 |
| Cash dividends to net income (ytd only)* | 22.1550% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 1,050 |
| Loan loss allowance to noncurrent loans | 167.8052% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 1,525 |
| Noncurrent loans to loans | 0.9639% | 1,561 |
| Net loans and leases to total assets | 77.4677% | 901 |
| Net loans and leases to deposits | 88.1761% | 1,463 |
| Net loans and leases to core deposits | 108.6667% | 745 |
| Total domestic deposits to total assets | 87.8556% | 1,284 |
| Equity capital to assets | 12.0211% | 1,663 |
| Core capital (leverage) ratio | 11.9194% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,114,750 | 2,684 |
| Average earning assets | $222,722,250 | 2,635 |
| Average equity | $27,121,000 | 2,660 |
| Average total loans | $182,667,250 | 2,393 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1508% | 124 |
| Cost of funding earning assets | 1.7335% | 66 |
| Net interest margin | 4.4172% | 597 |
| Noninterest income to average assets | 0.1549% | 4,523 |
| Noninterest expense to average assets | 1.8753% | 4,450 |
| Loan and lease loss provision to assets | 0.4079% | 982 |
| Net operating income to assets | 1.5362% | 868 |
| Return on assets (ROA) | 1.5362% | 942 |
| Pretax return on assets | 2.0888% | 454 |
| Return on Equity (ROE) | 13.3544% | 1,017 |
| Retained earnings to average equity (ytd only) | 8.6935% | 1,105 |
| Net charge-offs to loans | 0.4357% | 367 |
| Credit loss provision to net charge-offs | 119.6970% | 2,287 |
| Earnings coverage of net charge-offs (x) | 7.3258% | 2,373 |
| Efficiency ratio | 42.8937% | 4,835 |
| Assets per employee ($millions) | 5.8879% | 2,282 |
| Cash dividends to net income (ytd only)* | 34.9020% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 1,006 |
| Loan loss allowance to noncurrent loans | 161.5342% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 1,479 |
| Noncurrent loans to loans | 0.9913% | 1,567 |
| Net loans and leases to total assets | 75.0402% | 1,276 |
| Net loans and leases to deposits | 84.7355% | 1,920 |
| Net loans and leases to core deposits | 107.8011% | 827 |
| Total domestic deposits to total assets | 88.5582% | 918 |
| Equity capital to assets | 11.3138% | 2,114 |
| Core capital (leverage) ratio | 11.5889% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,385,667 | 2,664 |
| Average earning assets | $221,858,000 | 2,616 |
| Average equity | $26,732,667 | 2,670 |
| Average total loans | $181,796,333 | 2,388 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2944% | 106 |
| Cost of funding earning assets | 1.7887% | 89 |
| Net interest margin | 4.5057% | 498 |
| Noninterest income to average assets | 0.2457% | 4,082 |
| Noninterest expense to average assets | 1.8291% | 4,630 |
| Loan and lease loss provision to assets | 0.4283% | 707 |
| Net operating income to assets | 1.7079% | 508 |
| Return on assets (ROA) | 1.7079% | 558 |
| Pretax return on assets | 2.2907% | 238 |
| Return on Equity (ROE) | 14.7185% | 587 |
| Retained earnings to average equity (ytd only) | 8.7887% | 1,031 |
| Net charge-offs to loans | 0.4606% | 315 |
| Credit loss provision to net charge-offs | 117.3077% | 1,717 |
| Earnings coverage of net charge-offs (x) | 7.4471% | 1,919 |
| Efficiency ratio | 40.2161% | 4,976 |
| Assets per employee ($millions) | 5.6121% | 2,012 |
| Cash dividends to net income (ytd only)* | 40.2878% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 1,075 |
| Loan loss allowance to noncurrent loans | 140.1833% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 1,383 |
| Noncurrent loans to loans | 1.1401% | 1,458 |
| Net loans and leases to total assets | 77.7599% | 1,012 |
| Net loans and leases to deposits | 88.2173% | 1,735 |
| Net loans and leases to core deposits | 114.0908% | 662 |
| Total domestic deposits to total assets | 88.1459% | 1,044 |
| Equity capital to assets | 11.6211% | 2,345 |
| Core capital (leverage) ratio | 11.6977% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,876,500 | 2,648 |
| Average earning assets | $217,591,000 | 2,590 |
| Average equity | $26,443,000 | 2,680 |
| Average total loans | $180,645,500 | 2,353 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2680% | 147 |
| Cost of funding earning assets | 1.8144% | 131 |
| Net interest margin | 4.4536% | 791 |
| Noninterest income to average assets | 0.2380% | 4,250 |
| Noninterest expense to average assets | 2.1156% | 4,328 |
| Loan and lease loss provision to assets | 0.3526% | 432 |
| Net operating income to assets | 1.5329% | 980 |
| Return on assets (ROA) | 1.5329% | 1,033 |
| Pretax return on assets | 2.0358% | 555 |
| Return on Equity (ROE) | 13.2435% | 1,099 |
| Retained earnings to average equity (ytd only) | 9.1350% | 678 |
| Net charge-offs to loans | 0.3637% | 549 |
| Credit loss provision to net charge-offs | 123.3766% | 2,062 |
| Earnings coverage of net charge-offs (x) | 8.3571% | 2,780 |
| Efficiency ratio | 46.9716% | 4,872 |
| Assets per employee ($millions) | 5.3727% | 2,172 |
| Cash dividends to net income (ytd only)* | 31.0230% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 978 |
| Loan loss allowance to noncurrent loans | 130.0861% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 1,249 |
| Noncurrent loans to loans | 1.2298% | 1,217 |
| Net loans and leases to total assets | 78.2566% | 1,039 |
| Net loans and leases to deposits | 88.6282% | 1,755 |
| Net loans and leases to core deposits | 115.8241% | 605 |
| Total domestic deposits to total assets | 88.2976% | 981 |
| Equity capital to assets | 11.5867% | 2,450 |
| Core capital (leverage) ratio | 11.7506% | 1,922 |
| Tier 1 risk-based capital ratio | 16.4274% | 2,245 |
| Total risk-based capital ratio | 17.6840% | 2,181 |
| Memoranda: | ||
| Average total assets | $215,538,400 | 2,703 |
| Average earning assets | $206,460,800 | 2,643 |
| Average equity | $24,948,000 | 2,720 |
| Average total loans | $169,386,000 | 2,415 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2654% | 156 |
| Cost of funding earning assets | 1.8119% | 133 |
| Net interest margin | 4.4534% | 850 |
| Noninterest income to average assets | 0.2404% | 4,299 |
| Noninterest expense to average assets | 2.0725% | 4,404 |
| Loan and lease loss provision to assets | 0.3317% | 416 |
| Net operating income to assets | 1.5504% | 1,060 |
| Return on assets (ROA) | 1.5504% | 1,110 |
| Pretax return on assets | 2.1038% | 541 |
| Return on Equity (ROE) | 13.3987% | 1,141 |
| Retained earnings to average equity (ytd only) | 8.9145% | 1,076 |
| Net charge-offs to loans | 0.3276% | 527 |
| Credit loss provision to net charge-offs | 129.2683% | 1,833 |
| Earnings coverage of net charge-offs (x) | 9.4903% | 2,571 |
| Efficiency ratio | 45.9733% | 4,937 |
| Assets per employee ($millions) | 5.0621% | 2,484 |
| Cash dividends to net income (ytd only)* | 33.4681% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 925 |
| Loan loss allowance to noncurrent loans | 128.5456% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0608% | 1,246 |
| Noncurrent loans to loans | 1.2753% | 1,223 |
| Net loans and leases to total assets | 78.4477% | 1,066 |
| Net loans and leases to deposits | 88.9958% | 1,817 |
| Net loans and leases to core deposits | 116.7840% | 629 |
| Total domestic deposits to total assets | 88.1477% | 974 |
| Equity capital to assets | 11.7227% | 2,484 |
| Core capital (leverage) ratio | 11.8522% | 1,958 |
| Tier 1 risk-based capital ratio | 16.6925% | 2,187 |
| Total risk-based capital ratio | 17.9499% | 2,124 |
| Memoranda: | ||
| Average total assets | $213,009,250 | 2,742 |
| Average earning assets | $204,121,500 | 2,685 |
| Average equity | $24,648,500 | 2,759 |
| Average total loans | $166,867,250 | 2,465 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1931% | 171 |
| Cost of funding earning assets | 1.7686% | 146 |
| Net interest margin | 4.4245% | 898 |
| Noninterest income to average assets | 0.2251% | 4,398 |
| Noninterest expense to average assets | 2.0714% | 4,463 |
| Loan and lease loss provision to assets | 0.3121% | 432 |
| Net operating income to assets | 1.5379% | 1,036 |
| Return on assets (ROA) | 1.5379% | 1,093 |
| Pretax return on assets | 2.0912% | 562 |
| Return on Equity (ROE) | 13.3503% | 1,138 |
| Retained earnings to average equity (ytd only) | 8.1530% | 1,332 |
| Net charge-offs to loans | 0.2928% | 583 |
| Credit loss provision to net charge-offs | 136.9295% | 1,602 |
| Earnings coverage of net charge-offs (x) | 10.5436% | 2,261 |
| Efficiency ratio | 46.2904% | 4,976 |
| Assets per employee ($millions) | 4.9342% | 2,559 |
| Cash dividends to net income (ytd only)* | 38.9299% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 895 |
| Loan loss allowance to noncurrent loans | 153.9934% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 1,569 |
| Noncurrent loans to loans | 1.0779% | 1,519 |
| Net loans and leases to total assets | 78.6037% | 1,103 |
| Net loans and leases to deposits | 89.1654% | 1,836 |
| Net loans and leases to core deposits | 115.3961% | 710 |
| Total domestic deposits to total assets | 88.1549% | 1,028 |
| Equity capital to assets | 11.7127% | 2,427 |
| Core capital (leverage) ratio | 11.6447% | 2,064 |
| Tier 1 risk-based capital ratio | 16.5653% | 2,212 |
| Total risk-based capital ratio | 17.8227% | 2,164 |
| Memoranda: | ||
| Average total assets | $211,455,330 | 2,769 |
| Average earning assets | $203,097,330 | 2,705 |
| Average equity | $24,359,000 | 2,777 |
| Average total loans | $164,621,670 | 2,491 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0754% | 197 |
| Cost of funding earning assets | 1.7172% | 150 |
| Net interest margin | 4.3582% | 991 |
| Noninterest income to average assets | 0.3032% | 3,852 |
| Noninterest expense to average assets | 1.9744% | 4,690 |
| Loan and lease loss provision to assets | 0.2842% | 476 |
| Net operating income to assets | 1.6788% | 764 |
| Return on assets (ROA) | 1.6788% | 789 |
| Pretax return on assets | 2.2284% | 421 |
| Return on Equity (ROE) | 14.6975% | 814 |
| Retained earnings to average equity (ytd only) | 14.6145% | 306 |
| Net charge-offs to loans | 0.2664% | 552 |
| Credit loss provision to net charge-offs | 138.8889% | 1,302 |
| Earnings coverage of net charge-offs (x) | 12.2778% | 1,876 |
| Efficiency ratio | 44.0034% | 5,099 |
| Assets per employee ($millions) | 5.0791% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.5643% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 906 |
| Loan loss allowance to noncurrent loans | 176.0814% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 1,654 |
| Noncurrent loans to loans | 0.9527% | 1,754 |
| Net loans and leases to total assets | 76.0506% | 1,471 |
| Net loans and leases to deposits | 86.2070% | 2,106 |
| Net loans and leases to core deposits | 111.6370% | 853 |
| Total domestic deposits to total assets | 88.2187% | 1,229 |
| Equity capital to assets | 11.5413% | 2,360 |
| Core capital (leverage) ratio | 11.7501% | 1,941 |
| Tier 1 risk-based capital ratio | 17.1306% | 2,070 |
| Total risk-based capital ratio | 18.3891% | 2,011 |
| Memoranda: | ||
| Average total assets | $211,097,000 | 2,798 |
| Average earning assets | $202,653,500 | 2,738 |
| Average equity | $24,113,000 | 2,799 |
| Average total loans | $162,137,500 | 2,540 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9570% | 175 |
| Cost of funding earning assets | 1.3517% | 175 |
| Net interest margin | 4.6053% | 596 |
| Noninterest income to average assets | 0.2094% | 4,661 |
| Noninterest expense to average assets | 2.0555% | 4,641 |
| Loan and lease loss provision to assets | 0.3208% | 498 |
| Net operating income to assets | 1.6875% | 710 |
| Return on assets (ROA) | 1.6875% | 706 |
| Pretax return on assets | 2.2540% | 321 |
| Return on Equity (ROE) | 15.1434% | 794 |
| Retained earnings to average equity (ytd only) | 11.6354% | 353 |
| Net charge-offs to loans | 0.2746% | 707 |
| Credit loss provision to net charge-offs | 151.7647% | 1,813 |
| Earnings coverage of net charge-offs (x) | 12.1812% | 2,556 |
| Efficiency ratio | 44.3931% | 5,169 |
| Assets per employee ($millions) | 5.3557% | 2,103 |
| Cash dividends to net income (ytd only)* | 23.1653% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 811 |
| Loan loss allowance to noncurrent loans | 163.6255% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 1,747 |
| Noncurrent loans to loans | 1.0460% | 1,566 |
| Net loans and leases to total assets | 74.9494% | 1,783 |
| Net loans and leases to deposits | 84.6211% | 2,449 |
| Net loans and leases to core deposits | 110.8327% | 954 |
| Total domestic deposits to total assets | 88.5706% | 1,039 |
| Equity capital to assets | 11.3016% | 2,414 |
| Core capital (leverage) ratio | 11.5850% | 2,035 |
| Tier 1 risk-based capital ratio | 16.9719% | 2,078 |
| Total risk-based capital ratio | 18.2306% | 2,020 |
| Memoranda: | ||
| Average total assets | $201,067,600 | 2,857 |
| Average earning assets | $193,017,400 | 2,789 |
| Average equity | $22,405,800 | 2,869 |
| Average total loans | $154,779,400 | 2,587 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9211% | 175 |
| Cost of funding earning assets | 1.2807% | 175 |
| Net interest margin | 4.6404% | 542 |
| Noninterest income to average assets | 0.1989% | 4,782 |
| Noninterest expense to average assets | 2.0001% | 4,744 |
| Loan and lease loss provision to assets | 0.2946% | 503 |
| Net operating income to assets | 1.7289% | 704 |
| Return on assets (ROA) | 1.7289% | 711 |
| Pretax return on assets | 2.3564% | 304 |
| Return on Equity (ROE) | 15.5732% | 774 |
| Retained earnings to average equity (ytd only) | 13.2089% | 337 |
| Net charge-offs to loans | 0.2525% | 670 |
| Credit loss provision to net charge-offs | 151.2027% | 1,693 |
| Earnings coverage of net charge-offs (x) | 13.6048% | 2,342 |
| Efficiency ratio | 43.0032% | 5,249 |
| Assets per employee ($millions) | 5.2957% | 2,129 |
| Cash dividends to net income (ytd only)* | 15.1819% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 888 |
| Loan loss allowance to noncurrent loans | 172.9642% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 1,949 |
| Noncurrent loans to loans | 0.9785% | 1,738 |
| Net loans and leases to total assets | 76.6329% | 1,564 |
| Net loans and leases to deposits | 86.7052% | 2,296 |
| Net loans and leases to core deposits | 109.8070% | 1,046 |
| Total domestic deposits to total assets | 88.3833% | 1,089 |
| Equity capital to assets | 11.4945% | 2,263 |
| Core capital (leverage) ratio | 11.7570% | 1,956 |
| Tier 1 risk-based capital ratio | 17.1720% | 2,032 |
| Total risk-based capital ratio | 18.4309% | 1,976 |
| Memoranda: | ||
| Average total assets | $199,116,250 | 2,897 |
| Average earning assets | $191,041,250 | 2,833 |
| Average equity | $22,105,750 | 2,906 |
| Average total loans | $153,655,500 | 2,614 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 160 |
| Cost of funding earning assets | 1.2185% | 171 |
| Net interest margin | 4.6860% | 454 |
| Noninterest income to average assets | 0.2187% | 4,708 |
| Noninterest expense to average assets | 2.0100% | 4,782 |
| Loan and lease loss provision to assets | 0.2923% | 473 |
| Net operating income to assets | 1.7953% | 584 |
| Return on assets (ROA) | 1.7953% | 589 |
| Pretax return on assets | 2.4172% | 261 |
| Return on Equity (ROE) | 16.3665% | 604 |
| Retained earnings to average equity (ytd only) | 14.5653% | 233 |
| Net charge-offs to loans | 0.2372% | 669 |
| Credit loss provision to net charge-offs | 160.2210% | 1,510 |
| Earnings coverage of net charge-offs (x) | 14.8508% | 2,076 |
| Efficiency ratio | 42.5886% | 5,325 |
| Assets per employee ($millions) | 4.9759% | 2,452 |
| Cash dividends to net income (ytd only)* | 11.0051% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 908 |
| Loan loss allowance to noncurrent loans | 147.5734% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 1,644 |
| Noncurrent loans to loans | 1.1499% | 1,518 |
| Net loans and leases to total assets | 76.1087% | 1,621 |
| Net loans and leases to deposits | 85.9405% | 2,318 |
| Net loans and leases to core deposits | 107.8355% | 1,129 |
| Total domestic deposits to total assets | 88.5598% | 1,118 |
| Equity capital to assets | 11.3126% | 2,352 |
| Core capital (leverage) ratio | 11.4848% | 2,088 |
| Tier 1 risk-based capital ratio | 16.9526% | 2,117 |
| Total risk-based capital ratio | 18.2112% | 2,056 |
| Memoranda: | ||
| Average total assets | $198,409,670 | 2,914 |
| Average earning assets | $190,569,670 | 2,848 |
| Average equity | $21,764,000 | 2,942 |
| Average total loans | $152,584,670 | 2,638 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8444% | 171 |
| Cost of funding earning assets | 1.1891% | 146 |
| Net interest margin | 4.6554% | 439 |
| Noninterest income to average assets | 0.2060% | 4,793 |
| Noninterest expense to average assets | 1.9768% | 4,890 |
| Loan and lease loss provision to assets | 0.2827% | 475 |
| Net operating income to assets | 1.8052% | 561 |
| Return on assets (ROA) | 1.8052% | 565 |
| Pretax return on assets | 2.4210% | 256 |
| Return on Equity (ROE) | 16.7197% | 535 |
| Retained earnings to average equity (ytd only) | 13.0540% | 510 |
| Net charge-offs to loans | 0.2345% | 646 |
| Credit loss provision to net charge-offs | 157.3034% | 1,206 |
| Earnings coverage of net charge-offs (x) | 15.0449% | 1,683 |
| Efficiency ratio | 42.2347% | 5,394 |
| Assets per employee ($millions) | 5.1159% | 2,344 |
| Cash dividends to net income (ytd only)* | 21.9239% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 1,004 |
| Loan loss allowance to noncurrent loans | 165.7161% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 1,979 |
| Noncurrent loans to loans | 1.0118% | 1,800 |
| Net loans and leases to total assets | 75.1531% | 1,681 |
| Net loans and leases to deposits | 84.5377% | 2,336 |
| Net loans and leases to core deposits | 105.0512% | 1,309 |
| Total domestic deposits to total assets | 88.8990% | 1,148 |
| Equity capital to assets | 10.8580% | 2,717 |
| Core capital (leverage) ratio | 11.0892% | 2,341 |
| Tier 1 risk-based capital ratio | 16.4204% | 2,307 |
| Total risk-based capital ratio | 17.6782% | 2,246 |
| Memoranda: | ||
| Average total assets | $198,097,000 | 2,947 |
| Average earning assets | $190,403,500 | 2,878 |
| Average equity | $21,388,000 | 3,003 |
| Average total loans | $151,828,000 | 2,665 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6978% | 197 |
| Cost of funding earning assets | 1.1002% | 129 |
| Net interest margin | 4.5976% | 506 |
| Noninterest income to average assets | 0.2086% | 4,894 |
| Noninterest expense to average assets | 1.9927% | 4,973 |
| Loan and lease loss provision to assets | 0.2634% | 693 |
| Net operating income to assets | 1.3932% | 1,036 |
| Return on assets (ROA) | 1.3932% | 1,055 |
| Pretax return on assets | 2.3856% | 223 |
| Return on Equity (ROE) | 12.9904% | 955 |
| Retained earnings to average equity (ytd only) | 8.8453% | 536 |
| Net charge-offs to loans | 0.2256% | 1,149 |
| Credit loss provision to net charge-offs | 154.3210% | 1,739 |
| Earnings coverage of net charge-offs (x) | 15.5216% | 2,241 |
| Efficiency ratio | 42.9301% | 5,477 |
| Assets per employee ($millions) | 4.9168% | 2,577 |
| Cash dividends to net income (ytd only)* | 31.9093% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 1,016 |
| Loan loss allowance to noncurrent loans | 175.9831% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 2,063 |
| Noncurrent loans to loans | 0.9421% | 1,892 |
| Net loans and leases to total assets | 75.5807% | 1,671 |
| Net loans and leases to deposits | 84.7933% | 2,403 |
| Net loans and leases to core deposits | 106.3428% | 1,244 |
| Total domestic deposits to total assets | 89.1352% | 940 |
| Equity capital to assets | 10.7346% | 2,911 |
| Core capital (leverage) ratio | 10.7957% | 2,539 |
| Tier 1 risk-based capital ratio | 16.3163% | 2,323 |
| Total risk-based capital ratio | 17.5742% | 2,262 |
| Memoranda: | ||
| Average total assets | $189,846,000 | 3,021 |
| Average earning assets | $183,052,000 | 2,932 |
| Average equity | $20,361,200 | 3,104 |
| Average total loans | $143,636,000 | 2,725 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6630% | 204 |
| Cost of funding earning assets | 1.0669% | 137 |
| Net interest margin | 4.5961% | 489 |
| Noninterest income to average assets | 0.2197% | 4,903 |
| Noninterest expense to average assets | 1.9871% | 4,981 |
| Loan and lease loss provision to assets | 0.2445% | 707 |
| Net operating income to assets | 1.5024% | 892 |
| Return on assets (ROA) | 1.5024% | 917 |
| Pretax return on assets | 2.4208% | 241 |
| Return on Equity (ROE) | 14.0115% | 831 |
| Retained earnings to average equity (ytd only) | 9.7287% | 642 |
| Net charge-offs to loans | 0.2210% | 981 |
| Credit loss provision to net charge-offs | 146.8085% | 1,718 |
| Earnings coverage of net charge-offs (x) | 16.0040% | 2,195 |
| Efficiency ratio | 42.7113% | 5,520 |
| Assets per employee ($millions) | 4.7891% | 2,711 |
| Cash dividends to net income (ytd only)* | 30.5661% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 1,143 |
| Loan loss allowance to noncurrent loans | 196.7742% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 2,530 |
| Noncurrent loans to loans | 0.8368% | 2,269 |
| Net loans and leases to total assets | 76.0803% | 1,582 |
| Net loans and leases to deposits | 85.5022% | 2,365 |
| Net loans and leases to core deposits | 108.1694% | 1,127 |
| Total domestic deposits to total assets | 88.9806% | 900 |
| Equity capital to assets | 10.9009% | 2,955 |
| Core capital (leverage) ratio | 11.1165% | 2,356 |
| Tier 1 risk-based capital ratio | 16.5385% | 2,312 |
| Total risk-based capital ratio | 17.7972% | 2,262 |
| Memoranda: | ||
| Average total assets | $188,139,500 | 3,066 |
| Average earning assets | $181,455,500 | 2,975 |
| Average equity | $20,173,500 | 3,144 |
| Average total loans | $141,757,000 | 2,777 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6347% | 201 |
| Cost of funding earning assets | 1.0588% | 125 |
| Net interest margin | 4.5759% | 498 |
| Noninterest income to average assets | 0.2150% | 4,966 |
| Noninterest expense to average assets | 1.9882% | 4,999 |
| Loan and lease loss provision to assets | 0.2353% | 730 |
| Net operating income to assets | 1.5038% | 857 |
| Return on assets (ROA) | 1.5038% | 883 |
| Pretax return on assets | 2.4011% | 250 |
| Return on Equity (ROE) | 14.1042% | 797 |
| Retained earnings to average equity (ytd only) | 11.5361% | 368 |
| Net charge-offs to loans | 0.2263% | 897 |
| Credit loss provision to net charge-offs | 139.2405% | 1,607 |
| Earnings coverage of net charge-offs (x) | 15.6013% | 2,018 |
| Efficiency ratio | 42.9926% | 5,550 |
| Assets per employee ($millions) | 4.6447% | 2,871 |
| Cash dividends to net income (ytd only)* | 18.2077% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 1,096 |
| Loan loss allowance to noncurrent loans | 196.5489% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 2,538 |
| Noncurrent loans to loans | 0.8565% | 2,269 |
| Net loans and leases to total assets | 75.1920% | 1,663 |
| Net loans and leases to deposits | 84.6756% | 2,382 |
| Net loans and leases to core deposits | 104.9028% | 1,301 |
| Total domestic deposits to total assets | 88.8001% | 1,056 |
| Equity capital to assets | 11.0831% | 2,722 |
| Core capital (leverage) ratio | 11.0454% | 2,364 |
| Tier 1 risk-based capital ratio | 16.8795% | 2,183 |
| Total risk-based capital ratio | 18.1384% | 2,145 |
| Memoranda: | ||
| Average total assets | $186,998,670 | 3,087 |
| Average earning assets | $180,206,330 | 2,997 |
| Average equity | $19,937,330 | 3,165 |
| Average total loans | $139,615,670 | 2,814 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5880% | 204 |
| Cost of funding earning assets | 1.0561% | 122 |
| Net interest margin | 4.5319% | 495 |
| Noninterest income to average assets | 0.2132% | 4,989 |
| Noninterest expense to average assets | 2.0042% | 5,042 |
| Loan and lease loss provision to assets | 0.2239% | 704 |
| Net operating income to assets | 1.4904% | 826 |
| Return on assets (ROA) | 1.4904% | 856 |
| Pretax return on assets | 2.3496% | 274 |
| Return on Equity (ROE) | 14.2577% | 759 |
| Retained earnings to average equity (ytd only) | 10.2598% | 753 |
| Net charge-offs to loans | 0.2139% | 828 |
| Credit loss provision to net charge-offs | 141.8919% | 1,253 |
| Earnings coverage of net charge-offs (x) | 16.3108% | 1,646 |
| Efficiency ratio | 43.7820% | 5,601 |
| Assets per employee ($millions) | 4.7619% | 2,754 |
| Cash dividends to net income (ytd only)* | 28.0401% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 1,148 |
| Loan loss allowance to noncurrent loans | 225.5014% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 2,944 |
| Noncurrent loans to loans | 0.7521% | 2,606 |
| Net loans and leases to total assets | 71.8471% | 2,097 |
| Net loans and leases to deposits | 80.4602% | 2,690 |
| Net loans and leases to core deposits | 102.4940% | 1,332 |
| Total domestic deposits to total assets | 89.2951% | 1,008 |
| Equity capital to assets | 10.4429% | 3,245 |
| Core capital (leverage) ratio | 10.6462% | 2,746 |
| Tier 1 risk-based capital ratio | 16.5122% | 2,354 |
| Total risk-based capital ratio | 17.7704% | 2,299 |
| Memoranda: | ||
| Average total assets | $187,604,500 | 3,111 |
| Average earning assets | $180,673,000 | 3,025 |
| Average equity | $19,610,500 | 3,218 |
| Average total loans | $138,379,000 | 2,841 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6020% | 218 |
| Cost of funding earning assets | 1.0567% | 126 |
| Net interest margin | 4.5452% | 561 |
| Noninterest income to average assets | 0.2021% | 5,203 |
| Noninterest expense to average assets | 2.0035% | 5,182 |
| Loan and lease loss provision to assets | 0.2900% | 659 |
| Net operating income to assets | 1.4390% | 939 |
| Return on assets (ROA) | 1.4390% | 963 |
| Pretax return on assets | 2.2877% | 284 |
| Return on Equity (ROE) | 13.3548% | 918 |
| Retained earnings to average equity (ytd only) | 8.0630% | 838 |
| Net charge-offs to loans | 0.2926% | 949 |
| Credit loss provision to net charge-offs | 133.5979% | 2,027 |
| Earnings coverage of net charge-offs (x) | 11.8757% | 2,506 |
| Efficiency ratio | 43.7328% | 5,701 |
| Assets per employee ($millions) | 4.6184% | 2,932 |
| Cash dividends to net income (ytd only)* | 39.6249% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 1,148 |
| Loan loss allowance to noncurrent loans | 279.3765% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 3,304 |
| Noncurrent loans to loans | 0.6063% | 3,031 |
| Net loans and leases to total assets | 73.1951% | 1,976 |
| Net loans and leases to deposits | 81.8723% | 2,687 |
| Net loans and leases to core deposits | 105.7225% | 1,148 |
| Total domestic deposits to total assets | 89.4016% | 901 |
| Equity capital to assets | 10.4636% | 3,196 |
| Core capital (leverage) ratio | 10.7253% | 2,625 |
| Tier 1 risk-based capital ratio | 16.4051% | 2,385 |
| Total risk-based capital ratio | 17.6638% | 2,322 |
| Memoranda: | ||
| Average total assets | $174,146,400 | 3,230 |
| Average earning assets | $167,779,800 | 3,142 |
| Average equity | $18,764,800 | 3,306 |
| Average total loans | $129,164,800 | 2,932 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6108% | 218 |
| Cost of funding earning assets | 1.0642% | 118 |
| Net interest margin | 4.5466% | 561 |
| Noninterest income to average assets | 0.2192% | 5,154 |
| Noninterest expense to average assets | 1.9444% | 5,303 |
| Loan and lease loss provision to assets | 0.2838% | 614 |
| Net operating income to assets | 1.4694% | 936 |
| Return on assets (ROA) | 1.4694% | 980 |
| Pretax return on assets | 2.3720% | 269 |
| Return on Equity (ROE) | 13.5310% | 914 |
| Retained earnings to average equity (ytd only) | 7.8251% | 1,243 |
| Net charge-offs to loans | 0.2770% | 833 |
| Credit loss provision to net charge-offs | 138.2576% | 1,885 |
| Earnings coverage of net charge-offs (x) | 12.9394% | 2,346 |
| Efficiency ratio | 42.2680% | 5,779 |
| Assets per employee ($millions) | 5.2355% | 2,111 |
| Cash dividends to net income (ytd only)* | 42.1693% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 1,154 |
| Loan loss allowance to noncurrent loans | 217.1536% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 3,122 |
| Noncurrent loans to loans | 0.7947% | 2,684 |
| Net loans and leases to total assets | 73.7050% | 1,918 |
| Net loans and leases to deposits | 82.7598% | 2,639 |
| Net loans and leases to core deposits | 109.4793% | 954 |
| Total domestic deposits to total assets | 89.0589% | 873 |
| Equity capital to assets | 10.7586% | 3,299 |
| Core capital (leverage) ratio | 10.8260% | 2,652 |
| Tier 1 risk-based capital ratio | 16.6204% | 2,372 |
| Total risk-based capital ratio | 17.8801% | 2,313 |
| Memoranda: | ||
| Average total assets | $171,499,250 | 3,274 |
| Average earning assets | $165,248,500 | 3,185 |
| Average equity | $18,623,500 | 3,354 |
| Average total loans | $127,069,250 | 2,970 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5129% | 252 |
| Cost of funding earning assets | 1.0431% | 128 |
| Net interest margin | 4.4698% | 656 |
| Noninterest income to average assets | 0.2055% | 5,266 |
| Noninterest expense to average assets | 1.9477% | 5,376 |
| Loan and lease loss provision to assets | 0.2539% | 755 |
| Net operating income to assets | 1.4362% | 994 |
| Return on assets (ROA) | 1.4362% | 1,042 |
| Pretax return on assets | 2.3162% | 296 |
| Return on Equity (ROE) | 13.1832% | 985 |
| Retained earnings to average equity (ytd only) | 8.8358% | 894 |
| Net charge-offs to loans | 0.2305% | 1,018 |
| Credit loss provision to net charge-offs | 149.3056% | 1,596 |
| Earnings coverage of net charge-offs (x) | 15.1111% | 2,014 |
| Efficiency ratio | 43.1111% | 5,837 |
| Assets per employee ($millions) | 5.0953% | 2,202 |
| Cash dividends to net income (ytd only)* | 32.9770% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 1,161 |
| Loan loss allowance to noncurrent loans | 193.8619% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 2,964 |
| Noncurrent loans to loans | 0.9067% | 2,473 |
| Net loans and leases to total assets | 73.3663% | 1,954 |
| Net loans and leases to deposits | 82.4520% | 2,653 |
| Net loans and leases to core deposits | 104.5110% | 1,278 |
| Total domestic deposits to total assets | 88.9805% | 927 |
| Equity capital to assets | 10.8965% | 3,167 |
| Core capital (leverage) ratio | 10.9255% | 2,513 |
| Tier 1 risk-based capital ratio | 16.8963% | 2,258 |
| Total risk-based capital ratio | 18.1563% | 2,211 |
| Memoranda: | ||
| Average total assets | $169,330,000 | 3,314 |
| Average earning assets | $163,361,330 | 3,230 |
| Average equity | $18,447,670 | 3,379 |
| Average total loans | $124,924,330 | 3,012 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4305% | 283 |
| Cost of funding earning assets | 1.0467% | 124 |
| Net interest margin | 4.3838% | 767 |
| Noninterest income to average assets | 0.2390% | 5,034 |
| Noninterest expense to average assets | 1.8234% | 5,624 |
| Loan and lease loss provision to assets | 0.2629% | 648 |
| Net operating income to assets | 1.5199% | 822 |
| Return on assets (ROA) | 1.5199% | 867 |
| Pretax return on assets | 2.4066% | 277 |
| Return on Equity (ROE) | 13.9527% | 839 |
| Retained earnings to average equity (ytd only) | 9.5431% | 968 |
| Net charge-offs to loans | 0.2282% | 897 |
| Credit loss provision to net charge-offs | 157.1429% | 1,241 |
| Earnings coverage of net charge-offs (x) | 15.9571% | 1,643 |
| Efficiency ratio | 40.5851% | 5,953 |
| Assets per employee ($millions) | 4.8027% | 2,582 |
| Cash dividends to net income (ytd only)* | 31.6038% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8170% | 1,119 |
| Loan loss allowance to noncurrent loans | 231.4757% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 3,308 |
| Noncurrent loans to loans | 0.7850% | 2,875 |
| Net loans and leases to total assets | 72.1021% | 2,023 |
| Net loans and leases to deposits | 81.3041% | 2,630 |
| Net loans and leases to core deposits | 99.0746% | 1,559 |
| Total domestic deposits to total assets | 88.6820% | 1,252 |
| Equity capital to assets | 10.9938% | 2,952 |
| Core capital (leverage) ratio | 10.9633% | 2,438 |
| Tier 1 risk-based capital ratio | 17.5685% | 2,101 |
| Total risk-based capital ratio | 18.8292% | 2,070 |
| Memoranda: | ||
| Average total assets | $167,375,500 | 3,367 |
| Average earning assets | $162,416,500 | 3,252 |
| Average equity | $18,233,000 | 3,410 |
| Average total loans | $122,700,000 | 3,045 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4468% | 291 |
| Cost of funding earning assets | 1.0836% | 111 |
| Net interest margin | 4.3633% | 853 |
| Noninterest income to average assets | 0.1787% | 5,515 |
| Noninterest expense to average assets | 2.0202% | 5,419 |
| Loan and lease loss provision to assets | 0.2850% | 628 |
| Net operating income to assets | 1.3310% | 1,202 |
| Return on assets (ROA) | 1.3310% | 1,242 |
| Pretax return on assets | 2.1086% | 421 |
| Return on Equity (ROE) | 12.0306% | 1,291 |
| Retained earnings to average equity (ytd only) | 8.4932% | 781 |
| Net charge-offs to loans | 0.2927% | 1,039 |
| Credit loss provision to net charge-offs | 132.8358% | 1,969 |
| Earnings coverage of net charge-offs (x) | 11.1552% | 2,614 |
| Efficiency ratio | 45.7698% | 5,933 |
| Assets per employee ($millions) | 4.9016% | 2,469 |
| Cash dividends to net income (ytd only)* | 29.4033% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 1,121 |
| Loan loss allowance to noncurrent loans | 275.0312% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,595 |
| Noncurrent loans to loans | 0.6568% | 3,222 |
| Net loans and leases to total assets | 71.8570% | 2,081 |
| Net loans and leases to deposits | 80.6761% | 2,747 |
| Net loans and leases to core deposits | 98.1301% | 1,664 |
| Total domestic deposits to total assets | 89.0685% | 1,086 |
| Equity capital to assets | 10.7923% | 3,038 |
| Core capital (leverage) ratio | 11.0181% | 2,387 |
| Tier 1 risk-based capital ratio | 17.3343% | 2,168 |
| Total risk-based capital ratio | 18.5948% | 2,120 |
| Memoranda: | ||
| Average total assets | $156,125,200 | 3,482 |
| Average earning assets | $151,538,000 | 3,378 |
| Average equity | $17,272,600 | 3,495 |
| Average total loans | $114,458,200 | 3,132 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 293 |
| Cost of funding earning assets | 1.0878% | 111 |
| Net interest margin | 4.3593% | 862 |
| Noninterest income to average assets | 0.1711% | 5,622 |
| Noninterest expense to average assets | 2.0404% | 5,396 |
| Loan and lease loss provision to assets | 0.2736% | 587 |
| Net operating income to assets | 1.2543% | 1,470 |
| Return on assets (ROA) | 1.2543% | 1,524 |
| Pretax return on assets | 2.0900% | 513 |
| Return on Equity (ROE) | 11.2628% | 1,604 |
| Retained earnings to average equity (ytd only) | 8.0649% | 1,223 |
| Net charge-offs to loans | 0.2842% | 938 |
| Credit loss provision to net charge-offs | 131.2500% | 1,865 |
| Earnings coverage of net charge-offs (x) | 11.3376% | 2,497 |
| Efficiency ratio | 46.3314% | 5,950 |
| Assets per employee ($millions) | 4.6362% | 2,785 |
| Cash dividends to net income (ytd only)* | 28.3931% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 1,215 |
| Loan loss allowance to noncurrent loans | 331.4985% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 4,000 |
| Noncurrent loans to loans | 0.5509% | 3,688 |
| Net loans and leases to total assets | 73.9418% | 1,738 |
| Net loans and leases to deposits | 83.4014% | 2,472 |
| Net loans and leases to core deposits | 97.8845% | 1,706 |
| Total domestic deposits to total assets | 88.6578% | 1,197 |
| Equity capital to assets | 11.1678% | 2,827 |
| Core capital (leverage) ratio | 11.3443% | 2,154 |
| Tier 1 risk-based capital ratio | 17.5454% | 2,172 |
| Total risk-based capital ratio | 18.8068% | 2,129 |
| Memoranda: | ||
| Average total assets | $153,492,500 | 3,546 |
| Average earning assets | $149,040,250 | 3,447 |
| Average equity | $17,094,250 | 3,544 |
| Average total loans | $112,583,500 | 3,190 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4008% | 311 |
| Cost of funding earning assets | 1.0915% | 101 |
| Net interest margin | 4.3092% | 902 |
| Noninterest income to average assets | 0.1893% | 5,554 |
| Noninterest expense to average assets | 2.0314% | 5,470 |
| Loan and lease loss provision to assets | 0.2761% | 594 |
| Net operating income to assets | 1.2491% | 1,468 |
| Return on assets (ROA) | 1.2491% | 1,530 |
| Pretax return on assets | 2.0656% | 522 |
| Return on Equity (ROE) | 11.2264% | 1,610 |
| Retained earnings to average equity (ytd only) | 8.7566% | 1,006 |
| Net charge-offs to loans | 0.2949% | 888 |
| Credit loss provision to net charge-offs | 128.8344% | 1,708 |
| Earnings coverage of net charge-offs (x) | 10.9264% | 2,334 |
| Efficiency ratio | 46.4522% | 6,022 |
| Assets per employee ($millions) | 4.6499% | 2,747 |
| Cash dividends to net income (ytd only)* | 22.0000% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9067% | 1,149 |
| Loan loss allowance to noncurrent loans | 265.1797% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 3,628 |
| Noncurrent loans to loans | 0.7190% | 3,330 |
| Net loans and leases to total assets | 71.7490% | 2,029 |
| Net loans and leases to deposits | 80.9291% | 2,676 |
| Net loans and leases to core deposits | 92.7577% | 2,087 |
| Total domestic deposits to total assets | 88.6566% | 1,324 |
| Equity capital to assets | 11.2287% | 2,642 |
| Core capital (leverage) ratio | 11.2643% | 2,195 |
| Tier 1 risk-based capital ratio | 18.2254% | 2,001 |
| Total risk-based capital ratio | 19.4881% | 1,961 |
| Memoranda: | ||
| Average total assets | $152,112,670 | 3,597 |
| Average earning assets | $147,682,330 | 3,492 |
| Average equity | $16,924,330 | 3,575 |
| Average total loans | $110,536,670 | 3,240 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 332 |
| Cost of funding earning assets | 1.0993% | 97 |
| Net interest margin | 4.2366% | 1,000 |
| Noninterest income to average assets | 0.2007% | 5,514 |
| Noninterest expense to average assets | 1.9466% | 5,674 |
| Loan and lease loss provision to assets | 0.2773% | 553 |
| Net operating income to assets | 1.3048% | 1,259 |
| Return on assets (ROA) | 1.3048% | 1,347 |
| Pretax return on assets | 2.0892% | 493 |
| Return on Equity (ROE) | 11.7819% | 1,403 |
| Retained earnings to average equity (ytd only) | 11.6149% | 629 |
| Net charge-offs to loans | 0.3100% | 764 |
| Credit loss provision to net charge-offs | 123.5294% | 1,420 |
| Earnings coverage of net charge-offs (x) | 10.5412% | 1,927 |
| Efficiency ratio | 45.1317% | 6,139 |
| Assets per employee ($millions) | 4.7229% | 2,734 |
| Cash dividends to net income (ytd only)* | 1.4170% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 1,258 |
| Loan loss allowance to noncurrent loans | 352.1667% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 4,036 |
| Noncurrent loans to loans | 0.5432% | 3,958 |
| Net loans and leases to total assets | 71.6900% | 1,859 |
| Net loans and leases to deposits | 81.0339% | 2,445 |
| Net loans and leases to core deposits | 93.8110% | 1,785 |
| Total domestic deposits to total assets | 88.4692% | 1,559 |
| Equity capital to assets | 11.2820% | 2,669 |
| Core capital (leverage) ratio | 11.1212% | 2,296 |
| Tier 1 risk-based capital ratio | 18.3556% | 2,047 |
| Total risk-based capital ratio | 19.6184% | 1,998 |
| Memoranda: | ||
| Average total assets | $151,446,000 | 3,630 |
| Average earning assets | $147,003,000 | 3,519 |
| Average equity | $16,771,500 | 3,623 |
| Average total loans | $109,687,000 | 3,262 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3775% | 397 |
| Cost of funding earning assets | 1.1912% | 89 |
| Net interest margin | 4.1863% | 1,342 |
| Noninterest income to average assets | 0.2205% | 5,540 |
| Noninterest expense to average assets | 2.0750% | 5,627 |
| Loan and lease loss provision to assets | 0.2893% | 720 |
| Net operating income to assets | 1.2201% | 1,523 |
| Return on assets (ROA) | 1.2201% | 1,577 |
| Pretax return on assets | 1.9138% | 617 |
| Return on Equity (ROE) | 11.1224% | 1,686 |
| Retained earnings to average equity (ytd only) | 6.3996% | 1,708 |
| Net charge-offs to loans | 0.2700% | 1,598 |
| Credit loss provision to net charge-offs | 148.4099% | 1,626 |
| Earnings coverage of net charge-offs (x) | 11.3004% | 2,509 |
| Efficiency ratio | 48.5024% | 6,168 |
| Assets per employee ($millions) | 4.5987% | 2,876 |
| Cash dividends to net income (ytd only)* | 42.4619% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9217% | 1,263 |
| Loan loss allowance to noncurrent loans | 211.6279% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 3,613 |
| Noncurrent loans to loans | 0.9081% | 3,046 |
| Net loans and leases to total assets | 70.3884% | 2,171 |
| Net loans and leases to deposits | 79.0597% | 2,826 |
| Net loans and leases to core deposits | 93.3219% | 1,964 |
| Total domestic deposits to total assets | 89.0319% | 1,219 |
| Equity capital to assets | 10.8673% | 3,043 |
| Core capital (leverage) ratio | 11.0170% | 2,399 |
| Tier 1 risk-based capital ratio | 17.6966% | 2,238 |
| Total risk-based capital ratio | 18.9585% | 2,204 |
| Memoranda: | ||
| Average total assets | $145,155,800 | 3,704 |
| Average earning assets | $140,698,200 | 3,595 |
| Average equity | $15,922,800 | 3,676 |
| Average total loans | $104,818,600 | 3,331 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 359 |
| Cost of funding earning assets | 1.2062% | 88 |
| Net interest margin | 4.2178% | 1,233 |
| Noninterest income to average assets | 0.2499% | 5,426 |
| Noninterest expense to average assets | 2.0598% | 5,662 |
| Loan and lease loss provision to assets | 0.2927% | 679 |
| Net operating income to assets | 1.2171% | 1,623 |
| Return on assets (ROA) | 1.2171% | 1,684 |
| Pretax return on assets | 1.9845% | 589 |
| Return on Equity (ROE) | 11.0682% | 1,765 |
| Retained earnings to average equity (ytd only) | 7.6295% | 1,517 |
| Net charge-offs to loans | 0.2775% | 1,418 |
| Credit loss provision to net charge-offs | 145.8333% | 1,619 |
| Earnings coverage of net charge-offs (x) | 11.3473% | 2,432 |
| Efficiency ratio | 47.4936% | 6,226 |
| Assets per employee ($millions) | 4.4344% | 3,081 |
| Cash dividends to net income (ytd only)* | 31.0686% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 1,419 |
| Loan loss allowance to noncurrent loans | 305.8036% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 4,229 |
| Noncurrent loans to loans | 0.6264% | 4,045 |
| Net loans and leases to total assets | 71.9115% | 1,868 |
| Net loans and leases to deposits | 81.0329% | 2,543 |
| Net loans and leases to core deposits | 93.6711% | 1,902 |
| Total domestic deposits to total assets | 88.7436% | 1,379 |
| Equity capital to assets | 11.1403% | 2,828 |
| Core capital (leverage) ratio | 11.2085% | 2,300 |
| Tier 1 risk-based capital ratio | 17.9257% | 2,233 |
| Total risk-based capital ratio | 19.1878% | 2,194 |
| Memoranda: | ||
| Average total assets | $143,505,250 | 3,768 |
| Average earning assets | $139,059,250 | 3,645 |
| Average equity | $15,780,500 | 3,722 |
| Average total loans | $103,795,000 | 3,378 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 387 |
| Cost of funding earning assets | 1.2130% | 84 |
| Net interest margin | 4.1631% | 1,339 |
| Noninterest income to average assets | 0.2525% | 5,389 |
| Noninterest expense to average assets | 2.0538% | 5,716 |
| Loan and lease loss provision to assets | 0.2946% | 674 |
| Net operating income to assets | 1.1995% | 1,591 |
| Return on assets (ROA) | 1.1995% | 1,659 |
| Pretax return on assets | 1.9388% | 629 |
| Return on Equity (ROE) | 10.9569% | 1,755 |
| Retained earnings to average equity (ytd only) | 8.3170% | 1,205 |
| Net charge-offs to loans | 0.2494% | 1,561 |
| Credit loss provision to net charge-offs | 164.0625% | 1,371 |
| Earnings coverage of net charge-offs (x) | 12.4375% | 2,060 |
| Efficiency ratio | 47.9058% | 6,291 |
| Assets per employee ($millions) | 4.3698% | 3,136 |
| Cash dividends to net income (ytd only)* | 24.0936% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 1,463 |
| Loan loss allowance to noncurrent loans | 190.4673% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 3,742 |
| Noncurrent loans to loans | 1.0225% | 3,189 |
| Net loans and leases to total assets | 71.1550% | 1,894 |
| Net loans and leases to deposits | 80.1395% | 2,500 |
| Net loans and leases to core deposits | 92.0797% | 1,936 |
| Total domestic deposits to total assets | 88.7889% | 1,477 |
| Equity capital to assets | 11.1113% | 2,776 |
| Core capital (leverage) ratio | 11.2151% | 2,231 |
| Tier 1 risk-based capital ratio | 18.0690% | 2,215 |
| Total risk-based capital ratio | 19.3322% | 2,181 |
| Memoranda: | ||
| Average total assets | $142,562,330 | 3,808 |
| Average earning assets | $138,166,670 | 3,673 |
| Average equity | $15,606,670 | 3,750 |
| Average total loans | $102,631,330 | 3,401 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3509% | 381 |
| Cost of funding earning assets | 1.2292% | 86 |
| Net interest margin | 4.1217% | 1,411 |
| Noninterest income to average assets | 0.2145% | 5,643 |
| Noninterest expense to average assets | 1.8880% | 6,088 |
| Loan and lease loss provision to assets | 0.2963% | 656 |
| Net operating income to assets | 1.2050% | 1,476 |
| Return on assets (ROA) | 1.2050% | 1,538 |
| Pretax return on assets | 2.0234% | 506 |
| Return on Equity (ROE) | 11.0920% | 1,654 |
| Retained earnings to average equity (ytd only) | 10.9621% | 748 |
| Net charge-offs to loans | 0.1889% | 1,597 |
| Credit loss provision to net charge-offs | 218.7500% | 978 |
| Earnings coverage of net charge-offs (x) | 17.1250% | 1,469 |
| Efficiency ratio | 44.8692% | 6,465 |
| Assets per employee ($millions) | 4.3543% | 3,241 |
| Cash dividends to net income (ytd only)* | 1.1710% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9628% | 1,592 |
| Loan loss allowance to noncurrent loans | 175.3484% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 3,722 |
| Noncurrent loans to loans | 1.1194% | 3,187 |
| Net loans and leases to total assets | 69.9700% | 1,889 |
| Net loans and leases to deposits | 78.7718% | 2,454 |
| Net loans and leases to core deposits | 88.6301% | 2,035 |
| Total domestic deposits to total assets | 88.8262% | 1,764 |
| Equity capital to assets | 10.9073% | 2,815 |
| Core capital (leverage) ratio | 11.2285% | 2,197 |
| Tier 1 risk-based capital ratio | 18.1975% | 2,208 |
| Total risk-based capital ratio | 19.4603% | 2,173 |
| Memoranda: | ||
| Average total assets | $141,741,000 | 3,854 |
| Average earning assets | $137,323,500 | 3,712 |
| Average equity | $15,398,500 | 3,795 |
| Average total loans | $101,623,500 | 3,434 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 383 |
| Cost of funding earning assets | 1.3420% | 90 |
| Net interest margin | 4.1294% | 1,573 |
| Noninterest income to average assets | 0.2545% | 5,529 |
| Noninterest expense to average assets | 1.9558% | 6,099 |
| Loan and lease loss provision to assets | 0.3054% | 1,099 |
| Net operating income to assets | 1.2596% | 1,366 |
| Return on assets (ROA) | 1.2600% | 1,418 |
| Pretax return on assets | 1.9762% | 512 |
| Return on Equity (ROE) | 11.7522% | 1,505 |
| Retained earnings to average equity (ytd only) | 8.9718% | 773 |
| Net charge-offs to loans | 0.2934% | 2,221 |
| Credit loss provision to net charge-offs | 145.3287% | 1,601 |
| Earnings coverage of net charge-offs (x) | 10.8547% | 2,306 |
| Efficiency ratio | 46.1644% | 6,550 |
| Assets per employee ($millions) | 4.5093% | 2,885 |
| Cash dividends to net income (ytd only)* | 23.6584% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9426% | 1,680 |
| Loan loss allowance to noncurrent loans | 195.7958% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 3,955 |
| Noncurrent loans to loans | 0.9921% | 3,535 |
| Net loans and leases to total assets | 70.6322% | 1,913 |
| Net loans and leases to deposits | 79.2786% | 2,555 |
| Net loans and leases to core deposits | 87.2851% | 2,319 |
| Total domestic deposits to total assets | 89.0936% | 1,561 |
| Equity capital to assets | 10.8192% | 2,799 |
| Core capital (leverage) ratio | 11.0756% | 2,319 |
| Tier 1 risk-based capital ratio | 18.1295% | 2,211 |
| Total risk-based capital ratio | 19.3926% | 2,163 |
| Memoranda: | ||
| Average total assets | $137,536,600 | 3,925 |
| Average earning assets | $132,634,600 | 3,782 |
| Average equity | $14,746,200 | 3,910 |
| Average total loans | $98,510,200 | 3,486 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 377 |
| Cost of funding earning assets | 1.3565% | 92 |
| Net interest margin | 4.1371% | 1,518 |
| Noninterest income to average assets | 0.2511% | 5,636 |
| Noninterest expense to average assets | 1.9371% | 6,125 |
| Loan and lease loss provision to assets | 0.3066% | 1,105 |
| Net operating income to assets | 1.2093% | 1,600 |
| Return on assets (ROA) | 1.2099% | 1,676 |
| Pretax return on assets | 1.9955% | 581 |
| Return on Equity (ROE) | 11.3112% | 1,701 |
| Retained earnings to average equity (ytd only) | 9.4002% | 934 |
| Net charge-offs to loans | 0.2668% | 2,217 |
| Credit loss provision to net charge-offs | 160.7143% | 1,468 |
| Earnings coverage of net charge-offs (x) | 12.0611% | 2,177 |
| Efficiency ratio | 45.7051% | 6,602 |
| Assets per employee ($millions) | 4.4777% | 2,919 |
| Cash dividends to net income (ytd only)* | 16.8944% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 1,822 |
| Loan loss allowance to noncurrent loans | 240.2967% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 4,658 |
| Noncurrent loans to loans | 0.8162% | 4,201 |
| Net loans and leases to total assets | 70.0068% | 1,966 |
| Net loans and leases to deposits | 78.5310% | 2,582 |
| Net loans and leases to core deposits | 85.9112% | 2,418 |
| Total domestic deposits to total assets | 89.1454% | 1,483 |
| Equity capital to assets | 10.7328% | 3,032 |
| Core capital (leverage) ratio | 11.0386% | 2,440 |
| Tier 1 risk-based capital ratio | 18.1732% | 2,260 |
| Total risk-based capital ratio | 19.4360% | 2,219 |
| Memoranda: | ||
| Average total assets | $136,973,500 | 3,977 |
| Average earning assets | $132,004,750 | 3,837 |
| Average equity | $14,651,750 | 3,980 |
| Average total loans | $97,964,750 | 3,525 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 416 |
| Cost of funding earning assets | 1.3717% | 98 |
| Net interest margin | 4.0664% | 1,643 |
| Noninterest income to average assets | 0.2567% | 5,616 |
| Noninterest expense to average assets | 1.9932% | 6,060 |
| Loan and lease loss provision to assets | 0.3080% | 1,155 |
| Net operating income to assets | 1.1484% | 1,751 |
| Return on assets (ROA) | 1.1484% | 1,865 |
| Pretax return on assets | 1.8730% | 785 |
| Return on Equity (ROE) | 10.7484% | 1,905 |
| Retained earnings to average equity (ytd only) | 9.2796% | 1,038 |
| Net charge-offs to loans | 0.2542% | 2,200 |
| Credit loss provision to net charge-offs | 169.3548% | 1,391 |
| Earnings coverage of net charge-offs (x) | 11.9919% | 2,013 |
| Efficiency ratio | 47.7512% | 6,552 |
| Assets per employee ($millions) | 4.4389% | 2,915 |
| Cash dividends to net income (ytd only)* | 13.6654% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 1,973 |
| Loan loss allowance to noncurrent loans | 186.2573% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 4,254 |
| Noncurrent loans to loans | 1.0459% | 3,842 |
| Net loans and leases to total assets | 69.8974% | 1,905 |
| Net loans and leases to deposits | 78.3307% | 2,527 |
| Net loans and leases to core deposits | 85.3670% | 2,396 |
| Total domestic deposits to total assets | 89.2338% | 1,489 |
| Equity capital to assets | 10.6536% | 3,113 |
| Core capital (leverage) ratio | 10.7472% | 2,622 |
| Tier 1 risk-based capital ratio | 17.8754% | 2,366 |
| Total risk-based capital ratio | 19.1389% | 2,326 |
| Memoranda: | ||
| Average total assets | $136,362,000 | 4,013 |
| Average earning assets | $131,368,670 | 3,876 |
| Average equity | $14,569,670 | 4,030 |
| Average total loans | $97,580,000 | 3,550 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4785% | 382 |
| Cost of funding earning assets | 1.3827% | 107 |
| Net interest margin | 4.0959% | 1,474 |
| Noninterest income to average assets | 0.2534% | 5,644 |
| Noninterest expense to average assets | 2.0009% | 6,104 |
| Loan and lease loss provision to assets | 0.3094% | 1,102 |
| Net operating income to assets | 1.2111% | 1,500 |
| Return on assets (ROA) | 1.2111% | 1,609 |
| Pretax return on assets | 1.8801% | 765 |
| Return on Equity (ROE) | 11.3188% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.1811% | 832 |
| Net charge-offs to loans | 0.2918% | 1,799 |
| Credit loss provision to net charge-offs | 147.8873% | 1,383 |
| Earnings coverage of net charge-offs (x) | 10.4648% | 1,738 |
| Efficiency ratio | 47.7496% | 6,620 |
| Assets per employee ($millions) | 4.2593% | 3,411 |
| Cash dividends to net income (ytd only)* | 1.2165% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9213% | 2,244 |
| Loan loss allowance to noncurrent loans | 218.4489% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 4,783 |
| Noncurrent loans to loans | 0.8795% | 4,375 |
| Net loans and leases to total assets | 69.6234% | 1,732 |
| Net loans and leases to deposits | 78.3429% | 2,295 |
| Net loans and leases to core deposits | 85.2760% | 2,186 |
| Total domestic deposits to total assets | 88.8701% | 1,755 |
| Equity capital to assets | 10.8042% | 3,195 |
| Core capital (leverage) ratio | 10.7190% | 2,531 |
| Tier 1 risk-based capital ratio | 17.7735% | 2,455 |
| Total risk-based capital ratio | 19.0361% | 2,411 |
| Memoranda: | ||
| Average total assets | $135,740,000 | 4,070 |
| Average earning assets | $130,473,500 | 3,930 |
| Average equity | $14,524,500 | 4,085 |
| Average total loans | $97,323,000 | 3,582 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8575% | 338 |
| Cost of funding earning assets | 1.5874% | 112 |
| Net interest margin | 4.2702% | 1,472 |
| Noninterest income to average assets | 0.2848% | 5,433 |
| Noninterest expense to average assets | 2.0406% | 6,253 |
| Loan and lease loss provision to assets | 0.4926% | 1,223 |
| Net operating income to assets | 1.1781% | 1,670 |
| Return on assets (ROA) | 1.1800% | 1,828 |
| Pretax return on assets | 1.8505% | 823 |
| Return on Equity (ROE) | 11.1673% | 1,751 |
| Retained earnings to average equity (ytd only) | 8.2826% | 1,037 |
| Net charge-offs to loans | 0.3373% | 2,948 |
| Credit loss provision to net charge-offs | 202.5316% | 1,272 |
| Earnings coverage of net charge-offs (x) | 9.6203% | 2,247 |
| Efficiency ratio | 46.5823% | 6,767 |
| Assets per employee ($millions) | 4.2244% | 3,505 |
| Cash dividends to net income (ytd only)* | 25.8317% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8643% | 2,405 |
| Loan loss allowance to noncurrent loans | 185.4675% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 4,506 |
| Noncurrent loans to loans | 1.0052% | 4,184 |
| Net loans and leases to total assets | 71.0647% | 1,638 |
| Net loans and leases to deposits | 79.5690% | 2,347 |
| Net loans and leases to core deposits | 86.4214% | 2,255 |
| Total domestic deposits to total assets | 89.3121% | 1,363 |
| Equity capital to assets | 10.5954% | 3,402 |
| Core capital (leverage) ratio | 10.6494% | 2,597 |
| Tier 1 risk-based capital ratio | 16.9723% | 2,668 |
| Total risk-based capital ratio | 18.2342% | 2,627 |
| Memoranda: | ||
| Average total assets | $129,912,200 | 4,146 |
| Average earning assets | $124,609,000 | 4,006 |
| Average equity | $13,727,600 | 4,219 |
| Average total loans | $93,672,000 | 3,659 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9144% | 323 |
| Cost of funding earning assets | 1.6159% | 117 |
| Net interest margin | 4.2985% | 1,465 |
| Noninterest income to average assets | 0.2903% | 5,456 |
| Noninterest expense to average assets | 2.0529% | 6,262 |
| Loan and lease loss provision to assets | 0.5288% | 1,124 |
| Net operating income to assets | 1.0632% | 2,239 |
| Return on assets (ROA) | 1.0659% | 2,445 |
| Pretax return on assets | 1.8362% | 973 |
| Return on Equity (ROE) | 10.0939% | 2,306 |
| Retained earnings to average equity (ytd only) | 7.6293% | 1,784 |
| Net charge-offs to loans | 0.3657% | 2,640 |
| Credit loss provision to net charge-offs | 200.7874% | 1,372 |
| Earnings coverage of net charge-offs (x) | 8.9645% | 2,378 |
| Efficiency ratio | 46.5116% | 6,796 |
| Assets per employee ($millions) | 4.1082% | 3,668 |
| Cash dividends to net income (ytd only)* | 24.4165% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 2,727 |
| Loan loss allowance to noncurrent loans | 194.7894% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 4,877 |
| Noncurrent loans to loans | 0.9349% | 4,564 |
| Net loans and leases to total assets | 72.0512% | 1,547 |
| Net loans and leases to deposits | 80.7144% | 2,288 |
| Net loans and leases to core deposits | 87.5230% | 2,274 |
| Total domestic deposits to total assets | 89.2669% | 1,266 |
| Equity capital to assets | 10.6282% | 3,697 |
| Core capital (leverage) ratio | 10.5685% | 2,838 |
| Tier 1 risk-based capital ratio | 16.8497% | 2,807 |
| Total risk-based capital ratio | 18.1107% | 2,760 |
| Memoranda: | ||
| Average total assets | $128,595,000 | 4,221 |
| Average earning assets | $123,357,500 | 4,072 |
| Average equity | $13,578,750 | 4,286 |
| Average total loans | $92,617,250 | 3,725 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9605% | 311 |
| Cost of funding earning assets | 1.6478% | 127 |
| Net interest margin | 4.3127% | 1,454 |
| Noninterest income to average assets | 0.2946% | 5,448 |
| Noninterest expense to average assets | 2.0730% | 6,285 |
| Loan and lease loss provision to assets | 0.5171% | 1,217 |
| Net operating income to assets | 1.0702% | 2,163 |
| Return on assets (ROA) | 1.0702% | 2,385 |
| Pretax return on assets | 1.8302% | 983 |
| Return on Equity (ROE) | 10.1579% | 2,293 |
| Retained earnings to average equity (ytd only) | 8.5665% | 1,425 |
| Net charge-offs to loans | 0.3416% | 2,651 |
| Credit loss provision to net charge-offs | 211.5385% | 1,333 |
| Earnings coverage of net charge-offs (x) | 9.6026% | 2,151 |
| Efficiency ratio | 46.8983% | 6,835 |
| Assets per employee ($millions) | 4.1753% | 3,508 |
| Cash dividends to net income (ytd only)* | 15.6662% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7876% | 2,893 |
| Loan loss allowance to noncurrent loans | 267.1451% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 5,371 |
| Noncurrent loans to loans | 0.6691% | 5,164 |
| Net loans and leases to total assets | 71.0990% | 1,723 |
| Net loans and leases to deposits | 79.6522% | 2,431 |
| Net loans and leases to core deposits | 85.4729% | 2,494 |
| Total domestic deposits to total assets | 89.2618% | 1,352 |
| Equity capital to assets | 10.6463% | 3,517 |
| Core capital (leverage) ratio | 10.5863% | 2,724 |
| Tier 1 risk-based capital ratio | 16.9192% | 2,706 |
| Total risk-based capital ratio | 18.1793% | 2,658 |
| Memoranda: | ||
| Average total assets | $127,639,330 | 4,259 |
| Average earning assets | $122,103,670 | 4,123 |
| Average equity | $13,447,670 | 4,306 |
| Average total loans | $91,330,670 | 3,773 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9766% | 318 |
| Cost of funding earning assets | 1.6770% | 135 |
| Net interest margin | 4.2996% | 1,467 |
| Noninterest income to average assets | 0.2872% | 5,578 |
| Noninterest expense to average assets | 1.9820% | 6,497 |
| Loan and lease loss provision to assets | 0.4734% | 1,292 |
| Net operating income to assets | 1.0699% | 2,203 |
| Return on assets (ROA) | 1.0699% | 2,393 |
| Pretax return on assets | 1.9504% | 805 |
| Return on Equity (ROE) | 10.2097% | 2,325 |
| Retained earnings to average equity (ytd only) | 7.1377% | 2,360 |
| Net charge-offs to loans | 0.3727% | 2,189 |
| Credit loss provision to net charge-offs | 178.5714% | 1,441 |
| Earnings coverage of net charge-offs (x) | 9.1429% | 1,877 |
| Efficiency ratio | 44.9857% | 6,951 |
| Assets per employee ($millions) | 4.1573% | 3,674 |
| Cash dividends to net income (ytd only)* | 30.0885% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 3,236 |
| Loan loss allowance to noncurrent loans | 228.4257% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 5,462 |
| Noncurrent loans to loans | 0.7566% | 5,149 |
| Net loans and leases to total assets | 69.1380% | 1,925 |
| Net loans and leases to deposits | 77.3551% | 2,616 |
| Net loans and leases to core deposits | 83.0526% | 2,678 |
| Total domestic deposits to total assets | 89.3775% | 1,439 |
| Equity capital to assets | 10.3742% | 3,644 |
| Core capital (leverage) ratio | 10.4536% | 2,804 |
| Tier 1 risk-based capital ratio | 16.8663% | 2,729 |
| Total risk-based capital ratio | 18.1252% | 2,680 |
| Memoranda: | ||
| Average total assets | $126,741,500 | 4,305 |
| Average earning assets | $121,406,500 | 4,168 |
| Average equity | $13,281,500 | 4,355 |
| Average total loans | $90,145,000 | 3,830 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1201% | 356 |
| Cost of funding earning assets | 1.8118% | 207 |
| Net interest margin | 4.3082% | 1,677 |
| Noninterest income to average assets | 0.3075% | 5,338 |
| Noninterest expense to average assets | 2.0681% | 6,550 |
| Loan and lease loss provision to assets | 0.5288% | 1,980 |
| Net operating income to assets | 1.2141% | 1,478 |
| Return on assets (ROA) | 1.2152% | 1,580 |
| Pretax return on assets | 1.8593% | 717 |
| Return on Equity (ROE) | 11.8127% | 1,461 |
| Retained earnings to average equity (ytd only) | 10.7813% | 433 |
| Net charge-offs to loans | 0.4977% | 3,004 |
| Credit loss provision to net charge-offs | 150.4717% | 1,876 |
| Earnings coverage of net charge-offs (x) | 6.7901% | 2,446 |
| Efficiency ratio | 46.4272% | 7,026 |
| Assets per employee ($millions) | 4.0195% | 3,807 |
| Cash dividends to net income (ytd only)* | 8.7312% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 3,296 |
| Loan loss allowance to noncurrent loans | 243.2739% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 5,630 |
| Noncurrent loans to loans | 0.6885% | 5,325 |
| Net loans and leases to total assets | 70.7181% | 1,879 |
| Net loans and leases to deposits | 79.2102% | 2,653 |
| Net loans and leases to core deposits | 85.4015% | 2,710 |
| Total domestic deposits to total assets | 89.2790% | 1,380 |
| Equity capital to assets | 10.5878% | 3,430 |
| Core capital (leverage) ratio | 10.5684% | 2,643 |
| Tier 1 risk-based capital ratio | 16.8551% | 2,663 |
| Total risk-based capital ratio | 18.1141% | 2,628 |
| Memoranda: | ||
| Average total assets | $120,639,400 | 4,385 |
| Average earning assets | $116,126,400 | 4,234 |
| Average equity | $12,410,400 | 4,455 |
| Average total loans | $85,194,400 | 3,991 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1654% | 348 |
| Cost of funding earning assets | 1.8519% | 207 |
| Net interest margin | 4.3135% | 1,667 |
| Noninterest income to average assets | 0.3209% | 5,300 |
| Noninterest expense to average assets | 2.0281% | 6,638 |
| Loan and lease loss provision to assets | 0.5104% | 1,939 |
| Net operating income to assets | 1.1954% | 1,665 |
| Return on assets (ROA) | 1.1968% | 1,776 |
| Pretax return on assets | 1.9401% | 710 |
| Return on Equity (ROE) | 11.7232% | 1,614 |
| Retained earnings to average equity (ytd only) | 10.3698% | 750 |
| Net charge-offs to loans | 0.4979% | 2,762 |
| Credit loss provision to net charge-offs | 145.8599% | 2,165 |
| Earnings coverage of net charge-offs (x) | 6.9968% | 2,440 |
| Efficiency ratio | 45.3074% | 7,091 |
| Assets per employee ($millions) | 4.0716% | 3,695 |
| Cash dividends to net income (ytd only)* | 11.5457% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 3,505 |
| Loan loss allowance to noncurrent loans | 199.8603% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 5,528 |
| Noncurrent loans to loans | 0.8179% | 5,231 |
| Net loans and leases to total assets | 70.4924% | 1,979 |
| Net loans and leases to deposits | 78.8948% | 2,830 |
| Net loans and leases to core deposits | 84.3447% | 3,015 |
| Total domestic deposits to total assets | 89.3498% | 1,223 |
| Equity capital to assets | 10.5012% | 3,703 |
| Core capital (leverage) ratio | 10.4073% | 2,987 |
| Tier 1 risk-based capital ratio | 16.7385% | 2,743 |
| Total risk-based capital ratio | 17.9968% | 2,719 |
| Memoranda: | ||
| Average total assets | $119,647,750 | 4,436 |
| Average earning assets | $115,263,750 | 4,274 |
| Average equity | $12,214,750 | 4,512 |
| Average total loans | $84,088,000 | 4,057 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1062% | 378 |
| Cost of funding earning assets | 1.8615% | 251 |
| Net interest margin | 4.2447% | 1,863 |
| Noninterest income to average assets | 0.3434% | 5,131 |
| Noninterest expense to average assets | 2.0368% | 6,718 |
| Loan and lease loss provision to assets | 0.5016% | 1,954 |
| Net operating income to assets | 1.1627% | 1,685 |
| Return on assets (ROA) | 1.1648% | 1,756 |
| Pretax return on assets | 1.9038% | 707 |
| Return on Equity (ROE) | 11.5231% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.3899% | 606 |
| Net charge-offs to loans | 0.4968% | 2,615 |
| Credit loss provision to net charge-offs | 144.6602% | 2,116 |
| Earnings coverage of net charge-offs (x) | 6.9272% | 2,309 |
| Efficiency ratio | 45.8855% | 7,160 |
| Assets per employee ($millions) | 3.9798% | 3,793 |
| Cash dividends to net income (ytd only)* | 1.1561% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 3,527 |
| Loan loss allowance to noncurrent loans | 257.7570% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 5,993 |
| Noncurrent loans to loans | 0.6363% | 5,656 |
| Net loans and leases to total assets | 69.2662% | 2,362 |
| Net loans and leases to deposits | 77.4350% | 3,230 |
| Net loans and leases to core deposits | 82.8896% | 3,376 |
| Total domestic deposits to total assets | 89.4508% | 1,267 |
| Equity capital to assets | 10.4219% | 3,617 |
| Core capital (leverage) ratio | 10.2429% | 2,985 |
| Tier 1 risk-based capital ratio | 16.8754% | 2,574 |
| Total risk-based capital ratio | 18.1330% | 2,542 |
| Memoranda: | ||
| Average total assets | $118,814,330 | 4,493 |
| Average earning assets | $114,636,670 | 4,314 |
| Average equity | $12,010,670 | 4,561 |
| Average total loans | $82,938,670 | 4,129 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9943% | 477 |
| Cost of funding earning assets | 1.8931% | 257 |
| Net interest margin | 4.1012% | 2,264 |
| Noninterest income to average assets | 0.4455% | 4,326 |
| Noninterest expense to average assets | 1.9169% | 6,963 |
| Loan and lease loss provision to assets | 0.4657% | 1,890 |
| Net operating income to assets | 1.2554% | 1,375 |
| Return on assets (ROA) | 1.2554% | 1,428 |
| Pretax return on assets | 2.0181% | 545 |
| Return on Equity (ROE) | 12.6160% | 1,296 |
| Retained earnings to average equity (ytd only) | 12.5143% | 665 |
| Net charge-offs to loans | 0.4322% | 2,401 |
| Credit loss provision to net charge-offs | 155.0562% | 1,852 |
| Earnings coverage of net charge-offs (x) | 8.2697% | 1,837 |
| Efficiency ratio | 43.5583% | 7,296 |
| Assets per employee ($millions) | 4.1471% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.8065% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 3,716 |
| Loan loss allowance to noncurrent loans | 359.1398% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 6,383 |
| Noncurrent loans to loans | 0.4461% | 6,118 |
| Net loans and leases to total assets | 68.2221% | 2,501 |
| Net loans and leases to deposits | 75.9746% | 3,424 |
| Net loans and leases to core deposits | 81.4469% | 3,533 |
| Total domestic deposits to total assets | 89.7960% | 1,290 |
| Equity capital to assets | 9.9654% | 3,821 |
| Core capital (leverage) ratio | 10.1161% | 3,009 |
| Tier 1 risk-based capital ratio | 16.2772% | 2,773 |
| Total risk-based capital ratio | 17.5342% | 2,726 |
| Memoranda: | ||
| Average total assets | $118,525,000 | 4,528 |
| Average earning assets | $114,308,500 | 4,347 |
| Average equity | $11,794,500 | 4,601 |
| Average total loans | $82,369,000 | 4,184 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2591% | 501 |
| Cost of funding earning assets | 2.2083% | 299 |
| Net interest margin | 4.0508% | 2,803 |
| Noninterest income to average assets | 0.4641% | 4,417 |
| Noninterest expense to average assets | 2.2672% | 6,441 |
| Loan and lease loss provision to assets | 0.4353% | 3,511 |
| Net operating income to assets | 1.0396% | 1,913 |
| Return on assets (ROA) | 1.0396% | 2,015 |
| Pretax return on assets | 1.6548% | 1,028 |
| Return on Equity (ROE) | 10.2940% | 1,822 |
| Retained earnings to average equity (ytd only) | 8.0678% | 962 |
| Net charge-offs to loans | 0.4078% | 4,006 |
| Credit loss provision to net charge-offs | 159.2105% | 2,203 |
| Earnings coverage of net charge-offs (x) | 7.6447% | 2,095 |
| Efficiency ratio | 52.0330% | 6,986 |
| Assets per employee ($millions) | 4.0270% | 3,728 |
| Cash dividends to net income (ytd only)* | 21.6263% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 3,656 |
| Loan loss allowance to noncurrent loans | 285.3659% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 6,305 |
| Noncurrent loans to loans | 0.5544% | 5,939 |
| Net loans and leases to total assets | 68.5599% | 2,851 |
| Net loans and leases to deposits | 76.2390% | 3,803 |
| Net loans and leases to core deposits | 82.2474% | 3,872 |
| Total domestic deposits to total assets | 89.9276% | 1,143 |
| Equity capital to assets | 9.9363% | 3,832 |
| Core capital (leverage) ratio | 10.1043% | 2,969 |
| Tier 1 risk-based capital ratio | 16.1061% | 2,701 |
| Total risk-based capital ratio | 17.3629% | 2,654 |
| Memoranda: | ||
| Average total assets | $111,192,200 | 4,680 |
| Average earning assets | $106,867,600 | 4,535 |
| Average equity | $11,229,800 | 4,809 |
| Average total loans | $74,551,800 | 4,504 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2609% | 546 |
| Cost of funding earning assets | 2.2543% | 320 |
| Net interest margin | 4.0067% | 3,074 |
| Noninterest income to average assets | 0.4882% | 4,277 |
| Noninterest expense to average assets | 2.1992% | 6,606 |
| Loan and lease loss provision to assets | 0.3922% | 3,542 |
| Net operating income to assets | 1.0699% | 2,005 |
| Return on assets (ROA) | 1.0699% | 2,117 |
| Pretax return on assets | 1.7450% | 1,023 |
| Return on Equity (ROE) | 10.5479% | 1,921 |
| Retained earnings to average equity (ytd only) | 8.7759% | 1,127 |
| Net charge-offs to loans | 0.3551% | 3,884 |
| Credit loss provision to net charge-offs | 166.4948% | 2,242 |
| Earnings coverage of net charge-offs (x) | 9.0722% | 2,066 |
| Efficiency ratio | 50.7141% | 7,097 |
| Assets per employee ($millions) | 3.9368% | 3,963 |
| Cash dividends to net income (ytd only)* | 16.7992% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,570 |
| Loan loss allowance to noncurrent loans | 209.8472% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 6,136 |
| Noncurrent loans to loans | 0.7569% | 5,688 |
| Net loans and leases to total assets | 67.0781% | 3,439 |
| Net loans and leases to deposits | 74.8080% | 4,377 |
| Net loans and leases to core deposits | 80.4946% | 4,450 |
| Total domestic deposits to total assets | 89.6669% | 1,038 |
| Equity capital to assets | 10.1825% | 3,902 |
| Core capital (leverage) ratio | 10.1824% | 3,058 |
| Tier 1 risk-based capital ratio | 16.3105% | 2,631 |
| Total risk-based capital ratio | 17.5670% | 2,585 |
| Memoranda: | ||
| Average total assets | $109,794,250 | 4,777 |
| Average earning assets | $105,455,250 | 4,626 |
| Average equity | $11,136,250 | 4,893 |
| Average total loans | $72,851,250 | 4,643 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3150% | 499 |
| Cost of funding earning assets | 2.2929% | 346 |
| Net interest margin | 4.0221% | 2,912 |
| Noninterest income to average assets | 0.4504% | 4,508 |
| Noninterest expense to average assets | 2.2356% | 6,555 |
| Loan and lease loss provision to assets | 0.3415% | 3,690 |
| Net operating income to assets | 1.1150% | 1,800 |
| Return on assets (ROA) | 1.1150% | 1,870 |
| Pretax return on assets | 1.7335% | 992 |
| Return on Equity (ROE) | 11.0085% | 1,754 |
| Retained earnings to average equity (ytd only) | 8.3657% | 1,307 |
| Net charge-offs to loans | 0.3483% | 3,607 |
| Credit loss provision to net charge-offs | 149.1935% | 2,646 |
| Earnings coverage of net charge-offs (x) | 9.0645% | 2,059 |
| Efficiency ratio | 51.8630% | 7,086 |
| Assets per employee ($millions) | 4.0727% | 3,625 |
| Cash dividends to net income (ytd only)* | 24.0066% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 3,490 |
| Loan loss allowance to noncurrent loans | 155.3191% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 5,783 |
| Noncurrent loans to loans | 1.0237% | 5,264 |
| Net loans and leases to total assets | 65.7433% | 3,882 |
| Net loans and leases to deposits | 73.3837% | 4,774 |
| Net loans and leases to core deposits | 79.0219% | 4,801 |
| Total domestic deposits to total assets | 89.5884% | 1,135 |
| Equity capital to assets | 10.2597% | 3,691 |
| Core capital (leverage) ratio | 10.2396% | 2,896 |
| Tier 1 risk-based capital ratio | 16.8977% | 2,324 |
| Total risk-based capital ratio | 18.1545% | 2,275 |
| Memoranda: | ||
| Average total assets | $108,336,670 | 4,855 |
| Average earning assets | $103,974,330 | 4,697 |
| Average equity | $10,973,330 | 4,927 |
| Average total loans | $71,196,000 | 4,750 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2865% | 544 |
| Cost of funding earning assets | 2.3191% | 405 |
| Net interest margin | 3.9674% | 3,011 |
| Noninterest income to average assets | 0.4241% | 4,705 |
| Noninterest expense to average assets | 2.1130% | 6,900 |
| Loan and lease loss provision to assets | 0.3534% | 3,256 |
| Net operating income to assets | 1.1198% | 1,764 |
| Return on assets (ROA) | 1.1198% | 1,848 |
| Pretax return on assets | 1.7633% | 945 |
| Return on Equity (ROE) | 11.1286% | 1,745 |
| Retained earnings to average equity (ytd only) | 8.5036% | 1,533 |
| Net charge-offs to loans | 0.3711% | 2,932 |
| Credit loss provision to net charge-offs | 146.1538% | 2,430 |
| Earnings coverage of net charge-offs (x) | 8.7538% | 1,926 |
| Efficiency ratio | 49.9560% | 7,319 |
| Assets per employee ($millions) | 3.6052% | 4,804 |
| Cash dividends to net income (ytd only)* | 23.5880% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 3,417 |
| Loan loss allowance to noncurrent loans | 207.1038% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 6,216 |
| Noncurrent loans to loans | 0.7751% | 5,777 |
| Net loans and leases to total assets | 64.4366% | 4,236 |
| Net loans and leases to deposits | 71.8052% | 5,079 |
| Net loans and leases to core deposits | 77.9413% | 5,025 |
| Total domestic deposits to total assets | 89.7380% | 1,122 |
| Equity capital to assets | 10.1150% | 3,730 |
| Core capital (leverage) ratio | 10.2570% | 2,864 |
| Tier 1 risk-based capital ratio | 17.0565% | 2,252 |
| Total risk-based capital ratio | 18.3127% | 2,199 |
| Memoranda: | ||
| Average total assets | $107,523,000 | 4,943 |
| Average earning assets | $103,141,500 | 4,779 |
| Average equity | $10,819,000 | 5,023 |
| Average total loans | $70,063,000 | 4,859 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6936% | 469 |
| Cost of funding earning assets | 2.8404% | 390 |
| Net interest margin | 3.8531% | 3,470 |
| Noninterest income to average assets | 0.4625% | 4,699 |
| Noninterest expense to average assets | 2.3573% | 6,580 |
| Loan and lease loss provision to assets | 0.3614% | 4,634 |
| Net operating income to assets | 0.9495% | 2,008 |
| Return on assets (ROA) | 0.9495% | 2,059 |
| Pretax return on assets | 1.4456% | 1,321 |
| Return on Equity (ROE) | 9.0024% | 2,023 |
| Retained earnings to average equity (ytd only) | 8.1989% | 650 |
| Net charge-offs to loans | 0.3202% | 4,645 |
| Credit loss provision to net charge-offs | 172.6829% | 2,456 |
| Earnings coverage of net charge-offs (x) | 8.6341% | 1,914 |
| Efficiency ratio | 56.6070% | 6,945 |
| Assets per employee ($millions) | 3.6859% | 4,548 |
| Cash dividends to net income (ytd only)* | 8.9247% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 3,292 |
| Loan loss allowance to noncurrent loans | 163.7574% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 5,882 |
| Noncurrent loans to loans | 0.9755% | 5,370 |
| Net loans and leases to total assets | 63.7946% | 4,637 |
| Net loans and leases to deposits | 71.0135% | 5,465 |
| Net loans and leases to core deposits | 114.8076% | 2,434 |
| Total domestic deposits to total assets | 89.8344% | 1,044 |
| Equity capital to assets | 10.0084% | 3,754 |
| Core capital (leverage) ratio | 10.2587% | 2,820 |
| Tier 1 risk-based capital ratio | 16.9380% | 2,168 |
| Total risk-based capital ratio | 18.1948% | 2,133 |
| Memoranda: | ||
| Average total assets | $97,949,800 | 5,140 |
| Average earning assets | $94,105,200 | 5,009 |
| Average equity | $10,330,600 | 5,206 |
| Average total loans | $64,031,800 | 5,102 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7620% | 454 |
| Cost of funding earning assets | 2.9057% | 448 |
| Net interest margin | 3.8563% | 3,403 |
| Noninterest income to average assets | 0.4778% | 4,690 |
| Noninterest expense to average assets | 2.3374% | 6,601 |
| Loan and lease loss provision to assets | 0.3399% | 4,297 |
| Net operating income to assets | 0.9305% | 2,304 |
| Return on assets (ROA) | 0.9305% | 2,370 |
| Pretax return on assets | 1.5072% | 1,395 |
| Return on Equity (ROE) | 8.6987% | 2,374 |
| Retained earnings to average equity (ytd only) | 7.6179% | 1,255 |
| Net charge-offs to loans | 0.3125% | 4,085 |
| Credit loss provision to net charge-offs | 165.9864% | 2,834 |
| Earnings coverage of net charge-offs (x) | 9.0202% | 2,161 |
| Efficiency ratio | 55.8589% | 7,017 |
| Assets per employee ($millions) | 3.6418% | 4,566 |
| Cash dividends to net income (ytd only)* | 12.4248% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,088 |
| Loan loss allowance to noncurrent loans | 272.6098% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 6,400 |
| Noncurrent loans to loans | 0.5788% | 6,162 |
| Net loans and leases to total assets | 64.5389% | 4,741 |
| Net loans and leases to deposits | 72.1169% | 5,625 |
| Net loans and leases to core deposits | 116.8955% | 2,534 |
| Total domestic deposits to total assets | 89.4921% | 967 |
| Equity capital to assets | 10.3069% | 3,726 |
| Core capital (leverage) ratio | 10.5210% | 2,775 |
| Tier 1 risk-based capital ratio | 17.2543% | 2,201 |
| Total risk-based capital ratio | 18.5107% | 2,144 |
| Memoranda: | ||
| Average total assets | $95,714,750 | 5,251 |
| Average earning assets | $92,002,250 | 5,098 |
| Average equity | $10,238,750 | 5,274 |
| Average total loans | $62,715,500 | 5,180 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8030% | 449 |
| Cost of funding earning assets | 2.9524% | 537 |
| Net interest margin | 3.8506% | 3,338 |
| Noninterest income to average assets | 0.4763% | 4,662 |
| Noninterest expense to average assets | 2.4116% | 6,420 |
| Loan and lease loss provision to assets | 0.3290% | 3,967 |
| Net operating income to assets | 0.8843% | 2,516 |
| Return on assets (ROA) | 0.8843% | 2,621 |
| Pretax return on assets | 1.4354% | 1,635 |
| Return on Equity (ROE) | 8.1590% | 2,711 |
| Retained earnings to average equity (ytd only) | 6.5429% | 1,776 |
| Net charge-offs to loans | 0.3033% | 3,668 |
| Credit loss provision to net charge-offs | 165.5914% | 2,769 |
| Earnings coverage of net charge-offs (x) | 8.8817% | 2,203 |
| Efficiency ratio | 57.7494% | 6,898 |
| Assets per employee ($millions) | 3.2371% | 5,490 |
| Cash dividends to net income (ytd only)* | 19.8068% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 2,621 |
| Loan loss allowance to noncurrent loans | 236.4269% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 6,095 |
| Noncurrent loans to loans | 0.6889% | 5,870 |
| Net loans and leases to total assets | 63.3777% | 5,106 |
| Net loans and leases to deposits | 70.9790% | 5,872 |
| Net loans and leases to core deposits | 112.2156% | 3,112 |
| Total domestic deposits to total assets | 89.2908% | 1,126 |
| Equity capital to assets | 10.4868% | 3,415 |
| Core capital (leverage) ratio | 10.6684% | 2,689 |
| Tier 1 risk-based capital ratio | 17.8310% | 2,060 |
| Total risk-based capital ratio | 19.0866% | 2,005 |
| Memoranda: | ||
| Average total assets | $93,629,330 | 5,358 |
| Average earning assets | $89,960,330 | 5,199 |
| Average equity | $10,148,330 | 5,317 |
| Average total loans | $61,332,000 | 5,277 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8987% | 409 |
| Cost of funding earning assets | 3.0051% | 597 |
| Net interest margin | 3.8935% | 3,065 |
| Noninterest income to average assets | 0.4440% | 4,845 |
| Noninterest expense to average assets | 2.1548% | 6,995 |
| Loan and lease loss provision to assets | 0.3047% | 3,513 |
| Net operating income to assets | 1.0839% | 2,020 |
| Return on assets (ROA) | 1.0839% | 2,147 |
| Pretax return on assets | 1.7238% | 1,131 |
| Return on Equity (ROE) | 9.8317% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.0283% | 2,197 |
| Net charge-offs to loans | 0.3228% | 2,803 |
| Credit loss provision to net charge-offs | 142.8571% | 2,868 |
| Earnings coverage of net charge-offs (x) | 9.5102% | 2,055 |
| Efficiency ratio | 51.5088% | 7,468 |
| Assets per employee ($millions) | 3.3579% | 5,180 |
| Cash dividends to net income (ytd only)* | 28.5141% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 2,529 |
| Loan loss allowance to noncurrent loans | 258.9947% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 6,287 |
| Noncurrent loans to loans | 0.6169% | 5,853 |
| Net loans and leases to total assets | 64.1325% | 4,963 |
| Net loans and leases to deposits | 72.1544% | 5,727 |
| Net loans and leases to core deposits | 114.2397% | 2,990 |
| Total domestic deposits to total assets | 88.8823% | 1,284 |
| Equity capital to assets | 10.8274% | 3,144 |
| Core capital (leverage) ratio | 10.9668% | 2,526 |
| Tier 1 risk-based capital ratio | 18.0568% | 2,041 |
| Total risk-based capital ratio | 19.3138% | 1,984 |
| Memoranda: | ||
| Average total assets | $91,887,500 | 5,426 |
| Average earning assets | $88,249,000 | 5,280 |
| Average equity | $10,130,500 | 5,341 |
| Average total loans | $60,714,500 | 5,335 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3442% | 549 |
| Cost of funding earning assets | 3.5084% | 503 |
| Net interest margin | 3.8358% | 3,863 |
| Noninterest income to average assets | 0.5517% | 4,218 |
| Noninterest expense to average assets | 2.3836% | 6,456 |
| Loan and lease loss provision to assets | 0.2467% | 4,449 |
| Net operating income to assets | 1.0184% | 2,482 |
| Return on assets (ROA) | 1.0184% | 2,368 |
| Pretax return on assets | 1.5898% | 1,414 |
| Return on Equity (ROE) | 8.9624% | 2,654 |
| Retained earnings to average equity (ytd only) | 5.9715% | 1,548 |
| Net charge-offs to loans | 0.2527% | 3,754 |
| Credit loss provision to net charge-offs | 148.2517% | 3,556 |
| Earnings coverage of net charge-offs (x) | 11.0350% | 2,420 |
| Efficiency ratio | 56.4810% | 6,945 |
| Assets per employee ($millions) | 3.3242% | 5,154 |
| Cash dividends to net income (ytd only)* | 33.3714% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 2,276 |
| Loan loss allowance to noncurrent loans | 270.6215% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 6,048 |
| Noncurrent loans to loans | 0.5885% | 5,611 |
| Net loans and leases to total assets | 65.9514% | 4,852 |
| Net loans and leases to deposits | 74.4654% | 5,791 |
| Net loans and leases to core deposits | 116.4205% | 3,073 |
| Total domestic deposits to total assets | 88.5665% | 1,221 |
| Equity capital to assets | 11.2318% | 2,858 |
| Core capital (leverage) ratio | 11.2068% | 2,426 |
| Tier 1 risk-based capital ratio | 18.1529% | 2,006 |
| Total risk-based capital ratio | 19.4082% | 1,954 |
| Memoranda: | ||
| Average total assets | $85,921,200 | 5,484 |
| Average earning assets | $82,173,400 | 5,366 |
| Average equity | $9,763,000 | 5,490 |
| Average total loans | $56,588,400 | 5,425 |