Home > State Bank of De Kalb > Performance and Condition Ratios
State Bank of De Kalb, 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 | 5.4346% | 1,250 |
| Cost of funding earning assets | 1.2908% | 2,546 |
| Net interest margin | 4.1438% | 1,016 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.7862% | 1,538 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.7991% | 612 |
| Return on assets (ROA) | 1.7991% | 588 |
| Pretax return on assets | 1.7991% | 888 |
| Return on Equity (ROE) | 16.9800% | 951 |
| Retained earnings to average equity (ytd only) | 9.0754% | 1,236 |
| Net charge-offs to loans | -0.0767% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.3110% | 3,155 |
| Assets per employee ($millions) | 5.1093% | 3,553 |
| Cash dividends to net income (ytd only)* | 46.5508% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 909 |
| Loan loss allowance to noncurrent loans | 900.8803% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 2,630 |
| Noncurrent loans to loans | 0.1736% | 2,649 |
| Net loans and leases to total assets | 75.9300% | 1,124 |
| Net loans and leases to deposits | 86.8810% | 1,544 |
| Net loans and leases to core deposits | 95.0313% | 1,708 |
| Total domestic deposits to total assets | 87.4000% | 1,557 |
| Equity capital to assets | 11.1729% | 1,409 |
| Core capital (leverage) ratio | 10.8865% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $428,647,200 | 1,927 |
| Average earning assets | $411,364,200 | 1,874 |
| Average equity | $45,419,600 | 1,722 |
| Average total loans | $325,800,400 | 1,696 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 1,296 |
| Cost of funding earning assets | 1.1292% | 2,662 |
| Net interest margin | 4.1682% | 964 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.7566% | 1,530 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.8269% | 633 |
| Return on assets (ROA) | 1.8269% | 624 |
| Pretax return on assets | 1.8269% | 970 |
| Return on Equity (ROE) | 17.4800% | 1,009 |
| Retained earnings to average equity (ytd only) | 9.4932% | 1,554 |
| Net charge-offs to loans | -0.1045% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.3366% | 3,162 |
| Assets per employee ($millions) | 5.0030% | 3,605 |
| Cash dividends to net income (ytd only)* | 45.6784% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 966 |
| Loan loss allowance to noncurrent loans | 796.7341% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 2,574 |
| Noncurrent loans to loans | 0.1957% | 2,575 |
| Net loans and leases to total assets | 75.1800% | 1,213 |
| Net loans and leases to deposits | 87.6346% | 1,419 |
| Net loans and leases to core deposits | 94.7264% | 1,635 |
| Total domestic deposits to total assets | 85.7900% | 2,258 |
| Equity capital to assets | 10.7782% | 1,445 |
| Core capital (leverage) ratio | 10.8042% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $429,791,000 | 1,919 |
| Average earning assets | $412,890,250 | 1,859 |
| Average equity | $44,929,250 | 1,722 |
| Average total loans | $325,470,750 | 1,699 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2075% | 1,202 |
| Cost of funding earning assets | 0.9809% | 2,664 |
| Net interest margin | 4.2267% | 897 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.7325% | 1,573 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.8797% | 582 |
| Return on assets (ROA) | 1.8797% | 575 |
| Pretax return on assets | 1.8797% | 893 |
| Return on Equity (ROE) | 18.1700% | 929 |
| Retained earnings to average equity (ytd only) | 10.0928% | 1,379 |
| Net charge-offs to loans | -0.1591% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.4719% | 3,259 |
| Assets per employee ($millions) | 5.1804% | 3,429 |
| Cash dividends to net income (ytd only)* | 44.4527% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,113 |
| Loan loss allowance to noncurrent loans | 807.9160% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 2,542 |
| Noncurrent loans to loans | 0.1885% | 2,525 |
| Net loans and leases to total assets | 75.2300% | 1,131 |
| Net loans and leases to deposits | 87.7805% | 1,362 |
| Net loans and leases to core deposits | 93.7441% | 1,581 |
| Total domestic deposits to total assets | 85.7000% | 2,329 |
| Equity capital to assets | 10.5727% | 1,562 |
| Core capital (leverage) ratio | 10.5718% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $429,636,000 | 1,919 |
| Average earning assets | $412,901,667 | 1,865 |
| Average equity | $44,447,667 | 1,737 |
| Average total loans | $324,425,667 | 1,689 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 954 |
| Cost of funding earning assets | 0.7980% | 2,748 |
| Net interest margin | 4.3997% | 685 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.7159% | 1,631 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 2.0612% | 450 |
| Return on assets (ROA) | 2.0612% | 445 |
| Pretax return on assets | 2.0612% | 697 |
| Return on Equity (ROE) | 20.1400% | 748 |
| Retained earnings to average equity (ytd only) | 11.9796% | 1,275 |
| Net charge-offs to loans | -0.3275% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.1960% | 3,489 |
| Assets per employee ($millions) | 4.8114% | 3,789 |
| Cash dividends to net income (ytd only)* | 40.5332% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,249 |
| Loan loss allowance to noncurrent loans | 782.2115% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 2,501 |
| Noncurrent loans to loans | 0.1919% | 2,512 |
| Net loans and leases to total assets | 73.9700% | 1,207 |
| Net loans and leases to deposits | 85.5857% | 1,388 |
| Net loans and leases to core deposits | 90.6649% | 1,581 |
| Total domestic deposits to total assets | 86.4300% | 2,462 |
| Equity capital to assets | 10.3047% | 1,671 |
| Core capital (leverage) ratio | 10.3074% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $429,466,500 | 1,944 |
| Average earning assets | $413,032,000 | 1,891 |
| Average equity | $43,941,500 | 1,768 |
| Average total loans | $322,412,500 | 1,715 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 1,988 |
| Cost of funding earning assets | 0.3163% | 2,748 |
| Net interest margin | 3.5824% | 1,692 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.4982% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6707% | 577 |
| Return on assets (ROA) | 1.6707% | 547 |
| Pretax return on assets | 1.6707% | 992 |
| Return on Equity (ROE) | 18.4200% | 642 |
| Retained earnings to average equity (ytd only) | 11.2462% | 832 |
| Net charge-offs to loans | -0.0956% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.5898% | 3,110 |
| Assets per employee ($millions) | 5.1314% | 3,570 |
| Cash dividends to net income (ytd only)* | 38.9500% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,483 |
| Loan loss allowance to noncurrent loans | 379.3919% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 1,761 |
| Noncurrent loans to loans | 0.3704% | 1,814 |
| Net loans and leases to total assets | 73.9900% | 1,217 |
| Net loans and leases to deposits | 83.9145% | 1,480 |
| Net loans and leases to core deposits | 87.6514% | 1,635 |
| Total domestic deposits to total assets | 88.1800% | 2,017 |
| Equity capital to assets | 10.1574% | 1,634 |
| Core capital (leverage) ratio | 9.8322% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $451,476,800 | 1,852 |
| Average earning assets | $436,602,600 | 1,799 |
| Average equity | $40,947,200 | 1,887 |
| Average total loans | $282,285,000 | 1,803 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 2,384 |
| Cost of funding earning assets | 0.2613% | 2,591 |
| Net interest margin | 3.3257% | 2,210 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.3931% | 2,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5480% | 747 |
| Return on assets (ROA) | 1.5480% | 733 |
| Pretax return on assets | 1.5480% | 1,276 |
| Return on Equity (ROE) | 17.5600% | 697 |
| Retained earnings to average equity (ytd only) | 10.9257% | 1,074 |
| Net charge-offs to loans | -0.1465% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3665% | 3,070 |
| Assets per employee ($millions) | 5.4569% | 3,271 |
| Cash dividends to net income (ytd only)* | 37.7728% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,273 |
| Loan loss allowance to noncurrent loans | 345.4545% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 1,777 |
| Noncurrent loans to loans | 0.4357% | 1,719 |
| Net loans and leases to total assets | 66.1300% | 1,877 |
| Net loans and leases to deposits | 74.3671% | 2,016 |
| Net loans and leases to core deposits | 77.6334% | 2,064 |
| Total domestic deposits to total assets | 88.9200% | 2,123 |
| Equity capital to assets | 9.3855% | 1,961 |
| Core capital (leverage) ratio | 9.3840% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $457,869,500 | 1,844 |
| Average earning assets | $443,445,750 | 1,786 |
| Average equity | $40,368,750 | 1,932 |
| Average total loans | $272,948,250 | 1,845 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3047% | 2,724 |
| Cost of funding earning assets | 0.2239% | 2,600 |
| Net interest margin | 3.0808% | 2,598 |
| Noninterest income to average assets | 0.7235% | 1,248 |
| Noninterest expense to average assets | 2.3293% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3769% | 963 |
| Return on assets (ROA) | 1.3769% | 944 |
| Pretax return on assets | 1.3769% | 1,504 |
| Return on Equity (ROE) | 15.9494% | 712 |
| Retained earnings to average equity (ytd only) | 9.7474% | 1,086 |
| Net charge-offs to loans | -0.2123% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4751% | 2,980 |
| Assets per employee ($millions) | 5.4722% | 3,258 |
| Cash dividends to net income (ytd only)* | 38.8854% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 1,093 |
| Loan loss allowance to noncurrent loans | 452.0080% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 2,202 |
| Noncurrent loans to loans | 0.3599% | 2,069 |
| Net loans and leases to total assets | 60.6633% | 2,252 |
| Net loans and leases to deposits | 67.9451% | 2,393 |
| Net loans and leases to core deposits | 71.0593% | 2,412 |
| Total domestic deposits to total assets | 89.2829% | 2,055 |
| Equity capital to assets | 9.1141% | 2,306 |
| Core capital (leverage) ratio | 8.9551% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $461,337,000 | 1,838 |
| Average earning assets | $446,634,667 | 1,798 |
| Average equity | $39,826,000 | 2,000 |
| Average total loans | $263,788,333 | 1,880 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0434% | 3,128 |
| Cost of funding earning assets | 0.2152% | 2,596 |
| Net interest margin | 2.8281% | 3,052 |
| Noninterest income to average assets | 0.7057% | 1,300 |
| Noninterest expense to average assets | 2.2521% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1958% | 1,257 |
| Return on assets (ROA) | 1.1958% | 1,251 |
| Pretax return on assets | 1.1958% | 1,829 |
| Return on Equity (ROE) | 14.2324% | 788 |
| Retained earnings to average equity (ytd only) | 9.5290% | 1,140 |
| Net charge-offs to loans | -0.2254% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9219% | 2,922 |
| Assets per employee ($millions) | 5.5176% | 3,304 |
| Cash dividends to net income (ytd only)* | 33.0472% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,120 |
| Loan loss allowance to noncurrent loans | 434.9602% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 2,326 |
| Noncurrent loans to loans | 0.3824% | 2,114 |
| Net loans and leases to total assets | 56.3825% | 2,494 |
| Net loans and leases to deposits | 62.7799% | 2,644 |
| Net loans and leases to core deposits | 65.9818% | 2,628 |
| Total domestic deposits to total assets | 89.8098% | 1,670 |
| Equity capital to assets | 8.6835% | 2,990 |
| Core capital (leverage) ratio | 8.8482% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $467,643,500 | 1,832 |
| Average earning assets | $453,446,500 | 1,777 |
| Average equity | $39,290,500 | 2,081 |
| Average total loans | $257,326,000 | 1,900 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3570% | 3,033 |
| Cost of funding earning assets | 0.3047% | 2,363 |
| Net interest margin | 3.0523% | 3,045 |
| Noninterest income to average assets | 1.2885% | 642 |
| Noninterest expense to average assets | 2.5289% | 2,095 |
| Loan and lease loss provision to assets | 0.1202% | 1,034 |
| Net operating income to assets | 1.5857% | 845 |
| Return on assets (ROA) | 1.5857% | 879 |
| Pretax return on assets | 1.5857% | 1,464 |
| Return on Equity (ROE) | 17.3694% | 534 |
| Retained earnings to average equity (ytd only) | 11.9041% | 542 |
| Net charge-offs to loans | -0.1196% | 4,618 |
| Credit loss provision to net charge-offs | -161.0738% | 3,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3462% | 3,249 |
| Assets per employee ($millions) | 6.2806% | 2,502 |
| Cash dividends to net income (ytd only)* | 31.4651% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 1,104 |
| Loan loss allowance to noncurrent loans | 384.8678% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 2,410 |
| Noncurrent loans to loans | 0.4352% | 2,048 |
| Net loans and leases to total assets | 51.9253% | 3,076 |
| Net loans and leases to deposits | 57.6256% | 3,283 |
| Net loans and leases to core deposits | 60.3223% | 3,295 |
| Total domestic deposits to total assets | 90.1080% | 908 |
| Equity capital to assets | 8.1315% | 4,285 |
| Core capital (leverage) ratio | 9.2318% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $399,457,600 | 1,995 |
| Average earning assets | $385,579,000 | 1,950 |
| Average equity | $36,466,400 | 2,226 |
| Average total loans | $249,244,600 | 1,934 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4724% | 2,920 |
| Cost of funding earning assets | 0.3351% | 2,250 |
| Net interest margin | 3.1374% | 2,944 |
| Noninterest income to average assets | 1.3586% | 642 |
| Noninterest expense to average assets | 2.5607% | 1,952 |
| Loan and lease loss provision to assets | 0.1263% | 927 |
| Net operating income to assets | 1.6940% | 839 |
| Return on assets (ROA) | 1.6940% | 883 |
| Pretax return on assets | 1.6940% | 1,419 |
| Return on Equity (ROE) | 17.9411% | 634 |
| Retained earnings to average equity (ytd only) | 12.2518% | 787 |
| Net charge-offs to loans | -0.0161% | 3,876 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0650% | 3,251 |
| Assets per employee ($millions) | 5.4112% | 3,299 |
| Cash dividends to net income (ytd only)* | 31.7109% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,495 |
| Loan loss allowance to noncurrent loans | 113.3314% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.8226% | 857 |
| Noncurrent loans to loans | 1.3573% | 789 |
| Net loans and leases to total assets | 59.6726% | 2,304 |
| Net loans and leases to deposits | 67.3615% | 2,505 |
| Net loans and leases to core deposits | 71.4100% | 2,479 |
| Total domestic deposits to total assets | 88.5856% | 1,523 |
| Equity capital to assets | 9.1842% | 3,666 |
| Core capital (leverage) ratio | 9.2868% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,990,500 | 2,080 |
| Average earning assets | $366,073,250 | 2,037 |
| Average equity | $35,879,500 | 2,280 |
| Average total loans | $248,537,000 | 1,964 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5449% | 2,784 |
| Cost of funding earning assets | 0.3568% | 2,257 |
| Net interest margin | 3.1881% | 2,786 |
| Noninterest income to average assets | 1.0656% | 968 |
| Noninterest expense to average assets | 2.4769% | 2,217 |
| Loan and lease loss provision to assets | 0.1299% | 958 |
| Net operating income to assets | 1.5245% | 1,231 |
| Return on assets (ROA) | 1.5245% | 1,296 |
| Pretax return on assets | 1.5245% | 1,942 |
| Return on Equity (ROE) | 15.9833% | 959 |
| Retained earnings to average equity (ytd only) | 9.9122% | 1,421 |
| Net charge-offs to loans | -0.0161% | 3,891 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5363% | 3,076 |
| Assets per employee ($millions) | 5.4471% | 3,187 |
| Cash dividends to net income (ytd only)* | 37.9837% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,626 |
| Loan loss allowance to noncurrent loans | 104.8698% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 874 |
| Noncurrent loans to loans | 1.4202% | 821 |
| Net loans and leases to total assets | 61.6133% | 2,221 |
| Net loans and leases to deposits | 69.8837% | 2,422 |
| Net loans and leases to core deposits | 73.8171% | 2,426 |
| Total domestic deposits to total assets | 88.1654% | 1,743 |
| Equity capital to assets | 9.1090% | 3,701 |
| Core capital (leverage) ratio | 9.0682% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,570,333 | 2,119 |
| Average earning assets | $355,382,000 | 2,069 |
| Average equity | $35,249,333 | 2,301 |
| Average total loans | $248,303,333 | 1,974 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 2,479 |
| Cost of funding earning assets | 0.3783% | 2,280 |
| Net interest margin | 3.2786% | 2,448 |
| Noninterest income to average assets | 1.1959% | 862 |
| Noninterest expense to average assets | 2.4301% | 2,399 |
| Loan and lease loss provision to assets | 0.1350% | 1,004 |
| Net operating income to assets | 1.7799% | 815 |
| Return on assets (ROA) | 1.7799% | 868 |
| Pretax return on assets | 1.7799% | 1,330 |
| Return on Equity (ROE) | 18.2030% | 704 |
| Retained earnings to average equity (ytd only) | 11.1957% | 1,352 |
| Net charge-offs to loans | -0.0306% | 4,178 |
| Credit loss provision to net charge-offs | -631.5789% | 3,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5153% | 3,604 |
| Assets per employee ($millions) | 5.6037% | 3,019 |
| Cash dividends to net income (ytd only)* | 38.4956% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,812 |
| Loan loss allowance to noncurrent loans | 99.9163% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 878 |
| Noncurrent loans to loans | 1.4398% | 877 |
| Net loans and leases to total assets | 65.3825% | 1,887 |
| Net loans and leases to deposits | 74.4574% | 2,076 |
| Net loans and leases to core deposits | 78.9509% | 2,097 |
| Total domestic deposits to total assets | 87.8119% | 1,934 |
| Equity capital to assets | 9.3392% | 3,344 |
| Core capital (leverage) ratio | 9.7118% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,535,500 | 2,159 |
| Average earning assets | $341,484,500 | 2,118 |
| Average equity | $34,763,500 | 2,314 |
| Average total loans | $248,103,500 | 1,975 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 1,279 |
| Cost of funding earning assets | 0.5729% | 2,491 |
| Net interest margin | 3.9395% | 1,117 |
| Noninterest income to average assets | 1.3465% | 644 |
| Noninterest expense to average assets | 2.9877% | 1,462 |
| Loan and lease loss provision to assets | 0.1546% | 2,438 |
| Net operating income to assets | 1.9868% | 270 |
| Return on assets (ROA) | 1.9868% | 289 |
| Pretax return on assets | 1.9868% | 467 |
| Return on Equity (ROE) | 19.8293% | 240 |
| Retained earnings to average equity (ytd only) | 11.0638% | 429 |
| Net charge-offs to loans | 0.0966% | 1,502 |
| Credit loss provision to net charge-offs | 203.3898% | 2,144 |
| Earnings coverage of net charge-offs (x) | 28.1737% | 1,664 |
| Efficiency ratio | 57.8551% | 3,743 |
| Assets per employee ($millions) | 5.0852% | 3,301 |
| Cash dividends to net income (ytd only)* | 44.2049% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,999 |
| Loan loss allowance to noncurrent loans | 93.1314% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 831 |
| Noncurrent loans to loans | 1.4963% | 892 |
| Net loans and leases to total assets | 72.6120% | 1,208 |
| Net loans and leases to deposits | 83.9689% | 1,459 |
| Net loans and leases to core deposits | 89.7174% | 1,549 |
| Total domestic deposits to total assets | 86.4750% | 2,160 |
| Equity capital to assets | 10.2684% | 2,865 |
| Core capital (leverage) ratio | 10.3047% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,503,800 | 2,239 |
| Average earning assets | $298,135,400 | 2,194 |
| Average equity | $31,110,600 | 2,424 |
| Average total loans | $244,259,800 | 1,944 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 1,160 |
| Cost of funding earning assets | 0.6254% | 2,453 |
| Net interest margin | 4.0344% | 1,042 |
| Noninterest income to average assets | 1.2477% | 699 |
| Noninterest expense to average assets | 2.9613% | 1,526 |
| Loan and lease loss provision to assets | 0.1578% | 2,432 |
| Net operating income to assets | 2.0046% | 295 |
| Return on assets (ROA) | 2.0046% | 323 |
| Pretax return on assets | 2.0046% | 511 |
| Return on Equity (ROE) | 20.1454% | 236 |
| Retained earnings to average equity (ytd only) | 10.8435% | 606 |
| Net charge-offs to loans | -0.0296% | 4,527 |
| Credit loss provision to net charge-offs | -666.6667% | 3,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3860% | 3,750 |
| Assets per employee ($millions) | 4.6322% | 3,679 |
| Cash dividends to net income (ytd only)* | 46.1740% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,655 |
| Loan loss allowance to noncurrent loans | 115.3159% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 1,156 |
| Noncurrent loans to loans | 1.2309% | 1,237 |
| Net loans and leases to total assets | 77.4083% | 913 |
| Net loans and leases to deposits | 89.9171% | 1,272 |
| Net loans and leases to core deposits | 96.7331% | 1,398 |
| Total domestic deposits to total assets | 86.0885% | 2,027 |
| Equity capital to assets | 10.3264% | 2,940 |
| Core capital (leverage) ratio | 10.0568% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,224,250 | 2,255 |
| Average earning assets | $292,279,750 | 2,205 |
| Average equity | $30,272,500 | 2,457 |
| Average total loans | $243,538,250 | 1,958 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8280% | 1,103 |
| Cost of funding earning assets | 0.6945% | 2,421 |
| Net interest margin | 4.1335% | 1,052 |
| Noninterest income to average assets | 1.1037% | 816 |
| Noninterest expense to average assets | 2.9501% | 1,717 |
| Loan and lease loss provision to assets | 0.1613% | 2,386 |
| Net operating income to assets | 1.9567% | 361 |
| Return on assets (ROA) | 1.9567% | 403 |
| Pretax return on assets | 1.9567% | 598 |
| Return on Equity (ROE) | 19.9370% | 248 |
| Retained earnings to average equity (ytd only) | 13.6292% | 300 |
| Net charge-offs to loans | -0.0233% | 4,455 |
| Credit loss provision to net charge-offs | -857.1429% | 3,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7851% | 3,721 |
| Assets per employee ($millions) | 4.3240% | 3,977 |
| Cash dividends to net income (ytd only)* | 31.6386% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 1,861 |
| Loan loss allowance to noncurrent loans | 282.4919% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 2,805 |
| Noncurrent loans to loans | 0.4723% | 2,734 |
| Net loans and leases to total assets | 78.0591% | 841 |
| Net loans and leases to deposits | 89.5027% | 1,398 |
| Net loans and leases to core deposits | 95.8158% | 1,593 |
| Total domestic deposits to total assets | 87.2143% | 1,540 |
| Equity capital to assets | 9.2629% | 3,866 |
| Core capital (leverage) ratio | 9.2764% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,547,000 | 2,269 |
| Average earning assets | $285,375,667 | 2,218 |
| Average equity | $29,202,000 | 2,506 |
| Average total loans | $239,846,000 | 1,957 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2146% | 643 |
| Cost of funding earning assets | 0.8264% | 2,239 |
| Net interest margin | 4.3882% | 641 |
| Noninterest income to average assets | 0.8780% | 1,114 |
| Noninterest expense to average assets | 3.0581% | 1,747 |
| Loan and lease loss provision to assets | 0.1702% | 1,724 |
| Net operating income to assets | 1.8524% | 369 |
| Return on assets (ROA) | 1.8524% | 411 |
| Pretax return on assets | 1.8524% | 623 |
| Return on Equity (ROE) | 18.2766% | 249 |
| Retained earnings to average equity (ytd only) | 5.3878% | 2,122 |
| Net charge-offs to loans | -0.0348% | 4,521 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7432% | 3,771 |
| Assets per employee ($millions) | 3.8659% | 4,093 |
| Cash dividends to net income (ytd only)* | 70.5207% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,523 |
| Loan loss allowance to noncurrent loans | 245.5882% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 2,639 |
| Noncurrent loans to loans | 0.5915% | 2,525 |
| Net loans and leases to total assets | 76.1141% | 1,283 |
| Net loans and leases to deposits | 87.7778% | 1,772 |
| Net loans and leases to core deposits | 94.9339% | 1,888 |
| Total domestic deposits to total assets | 86.7123% | 1,685 |
| Equity capital to assets | 9.6868% | 4,055 |
| Core capital (leverage) ratio | 9.7798% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,008,500 | 2,307 |
| Average earning assets | $270,087,500 | 2,270 |
| Average equity | $28,583,000 | 2,537 |
| Average total loans | $229,774,000 | 1,990 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4592% | 604 |
| Cost of funding earning assets | 0.9278% | 2,070 |
| Net interest margin | 4.5314% | 676 |
| Noninterest income to average assets | 1.0114% | 947 |
| Noninterest expense to average assets | 3.2823% | 1,335 |
| Loan and lease loss provision to assets | 0.1453% | 1,474 |
| Net operating income to assets | 1.8987% | 429 |
| Return on assets (ROA) | 1.8987% | 447 |
| Pretax return on assets | 1.8987% | 746 |
| Return on Equity (ROE) | 18.2190% | 326 |
| Retained earnings to average equity (ytd only) | 4.9395% | 2,451 |
| Net charge-offs to loans | 0.0972% | 1,750 |
| Credit loss provision to net charge-offs | 178.2407% | 1,462 |
| Earnings coverage of net charge-offs (x) | 25.0741% | 1,746 |
| Efficiency ratio | 61.1776% | 3,508 |
| Assets per employee ($millions) | 3.6485% | 4,323 |
| Cash dividends to net income (ytd only)* | 72.8881% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,544 |
| Loan loss allowance to noncurrent loans | 160.9351% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 1,740 |
| Noncurrent loans to loans | 0.8662% | 1,774 |
| Net loans and leases to total assets | 85.0163% | 241 |
| Net loans and leases to deposits | 97.4308% | 804 |
| Net loans and leases to core deposits | 106.9730% | 1,050 |
| Total domestic deposits to total assets | 87.2582% | 1,488 |
| Equity capital to assets | 10.6370% | 3,321 |
| Core capital (leverage) ratio | 10.2729% | 3,216 |
| Tier 1 risk-based capital ratio | 12.6821% | 3,959 |
| Total risk-based capital ratio | 13.9349% | 3,837 |
| Memoranda: | ||
| Average total assets | $264,967,200 | 2,362 |
| Average earning assets | $252,306,200 | 2,323 |
| Average equity | $27,614,000 | 2,518 |
| Average total loans | $222,309,200 | 2,015 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 615 |
| Cost of funding earning assets | 0.9428% | 2,025 |
| Net interest margin | 4.5301% | 718 |
| Noninterest income to average assets | 1.0465% | 842 |
| Noninterest expense to average assets | 3.2795% | 1,311 |
| Loan and lease loss provision to assets | 0.1411% | 1,368 |
| Net operating income to assets | 1.9353% | 454 |
| Return on assets (ROA) | 1.9353% | 470 |
| Pretax return on assets | 1.9353% | 796 |
| Return on Equity (ROE) | 18.6669% | 341 |
| Retained earnings to average equity (ytd only) | 5.3021% | 2,729 |
| Net charge-offs to loans | -0.0145% | 4,489 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7808% | 3,508 |
| Assets per employee ($millions) | 3.5138% | 4,485 |
| Cash dividends to net income (ytd only)* | 71.5960% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,238 |
| Loan loss allowance to noncurrent loans | 231.5972% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 2,345 |
| Noncurrent loans to loans | 0.6493% | 2,334 |
| Net loans and leases to total assets | 84.0076% | 358 |
| Net loans and leases to deposits | 96.6643% | 931 |
| Net loans and leases to core deposits | 106.5156% | 1,149 |
| Total domestic deposits to total assets | 86.9065% | 1,570 |
| Equity capital to assets | 10.7906% | 3,304 |
| Core capital (leverage) ratio | 10.3021% | 3,310 |
| Tier 1 risk-based capital ratio | 12.7885% | 3,964 |
| Total risk-based capital ratio | 14.0427% | 3,852 |
| Memoranda: | ||
| Average total assets | $264,623,250 | 2,379 |
| Average earning assets | $251,730,500 | 2,346 |
| Average equity | $27,434,750 | 2,546 |
| Average total loans | $220,477,500 | 2,036 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3218% | 779 |
| Cost of funding earning assets | 0.9521% | 1,898 |
| Net interest margin | 4.3698% | 997 |
| Noninterest income to average assets | 1.0054% | 866 |
| Noninterest expense to average assets | 3.2207% | 1,460 |
| Loan and lease loss provision to assets | 0.1578% | 1,149 |
| Net operating income to assets | 1.7794% | 624 |
| Return on assets (ROA) | 1.7794% | 642 |
| Pretax return on assets | 1.7794% | 1,087 |
| Return on Equity (ROE) | 17.3945% | 422 |
| Retained earnings to average equity (ytd only) | 3.9299% | 3,283 |
| Net charge-offs to loans | -0.0173% | 4,505 |
| Credit loss provision to net charge-offs | -1,105.2632% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9755% | 3,437 |
| Assets per employee ($millions) | 3.7038% | 4,240 |
| Cash dividends to net income (ytd only)* | 77.4071% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,412 |
| Loan loss allowance to noncurrent loans | 157.9457% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 1,826 |
| Noncurrent loans to loans | 0.9188% | 1,786 |
| Net loans and leases to total assets | 81.8763% | 626 |
| Net loans and leases to deposits | 93.3504% | 1,330 |
| Net loans and leases to core deposits | 102.5084% | 1,516 |
| Total domestic deposits to total assets | 87.7086% | 1,239 |
| Equity capital to assets | 10.1718% | 3,819 |
| Core capital (leverage) ratio | 9.8561% | 3,749 |
| Tier 1 risk-based capital ratio | 12.2059% | 4,297 |
| Total risk-based capital ratio | 13.4591% | 4,172 |
| Memoranda: | ||
| Average total assets | $266,156,670 | 2,376 |
| Average earning assets | $252,920,000 | 2,341 |
| Average equity | $27,227,000 | 2,553 |
| Average total loans | $220,045,330 | 2,047 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 762 |
| Cost of funding earning assets | 0.9267% | 1,894 |
| Net interest margin | 4.3720% | 962 |
| Noninterest income to average assets | 0.9483% | 920 |
| Noninterest expense to average assets | 3.1812% | 1,537 |
| Loan and lease loss provision to assets | 0.1591% | 1,064 |
| Net operating income to assets | 1.7603% | 639 |
| Return on assets (ROA) | 1.7603% | 656 |
| Pretax return on assets | 1.7603% | 1,075 |
| Return on Equity (ROE) | 17.1579% | 471 |
| Retained earnings to average equity (ytd only) | 3.6176% | 3,475 |
| Net charge-offs to loans | -0.0165% | 4,418 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8949% | 3,550 |
| Assets per employee ($millions) | 3.8978% | 4,070 |
| Cash dividends to net income (ytd only)* | 78.9157% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,576 |
| Loan loss allowance to noncurrent loans | 145.1315% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 1,800 |
| Noncurrent loans to loans | 0.9848% | 1,701 |
| Net loans and leases to total assets | 78.3782% | 1,093 |
| Net loans and leases to deposits | 88.9495% | 1,751 |
| Net loans and leases to core deposits | 97.1862% | 1,842 |
| Total domestic deposits to total assets | 88.1154% | 1,276 |
| Equity capital to assets | 9.8329% | 3,984 |
| Core capital (leverage) ratio | 9.8345% | 3,782 |
| Tier 1 risk-based capital ratio | 12.4200% | 4,224 |
| Total risk-based capital ratio | 13.6731% | 4,083 |
| Memoranda: | ||
| Average total assets | $264,047,500 | 2,411 |
| Average earning assets | $250,775,500 | 2,376 |
| Average equity | $27,089,500 | 2,565 |
| Average total loans | $217,751,500 | 2,078 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1670% | 741 |
| Cost of funding earning assets | 0.6042% | 2,684 |
| Net interest margin | 4.5628% | 669 |
| Noninterest income to average assets | 1.0263% | 894 |
| Noninterest expense to average assets | 3.3192% | 1,278 |
| Loan and lease loss provision to assets | 0.1038% | 2,119 |
| Net operating income to assets | 1.9383% | 404 |
| Return on assets (ROA) | 1.9383% | 403 |
| Pretax return on assets | 1.9383% | 649 |
| Return on Equity (ROE) | 16.8475% | 507 |
| Retained earnings to average equity (ytd only) | 2.9457% | 3,930 |
| Net charge-offs to loans | -0.0892% | 5,123 |
| Credit loss provision to net charge-offs | -135.2273% | 4,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9102% | 3,546 |
| Assets per employee ($millions) | 3.9274% | 3,998 |
| Cash dividends to net income (ytd only)* | 82.5158% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,608 |
| Loan loss allowance to noncurrent loans | 139.4023% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 1,612 |
| Noncurrent loans to loans | 1.0095% | 1,611 |
| Net loans and leases to total assets | 84.5109% | 368 |
| Net loans and leases to deposits | 97.0269% | 970 |
| Net loans and leases to core deposits | 106.5307% | 1,228 |
| Total domestic deposits to total assets | 87.1005% | 1,738 |
| Equity capital to assets | 10.7288% | 2,947 |
| Core capital (leverage) ratio | 11.3761% | 2,199 |
| Tier 1 risk-based capital ratio | 12.8796% | 3,918 |
| Total risk-based capital ratio | 14.1327% | 3,809 |
| Memoranda: | ||
| Average total assets | $229,270,200 | 2,617 |
| Average earning assets | $217,826,400 | 2,581 |
| Average equity | $26,377,800 | 2,549 |
| Average total loans | $197,309,800 | 2,192 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 652 |
| Cost of funding earning assets | 0.5671% | 2,727 |
| Net interest margin | 4.6130% | 580 |
| Noninterest income to average assets | 1.0357% | 891 |
| Noninterest expense to average assets | 3.2095% | 1,501 |
| Loan and lease loss provision to assets | 0.0447% | 3,098 |
| Net operating income to assets | 2.1732% | 274 |
| Return on assets (ROA) | 2.1732% | 269 |
| Pretax return on assets | 2.1732% | 414 |
| Return on Equity (ROE) | 18.5378% | 378 |
| Retained earnings to average equity (ytd only) | 4.5595% | 3,471 |
| Net charge-offs to loans | -0.1819% | 5,283 |
| Credit loss provision to net charge-offs | -28.5171% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1348% | 3,946 |
| Assets per employee ($millions) | 3.5515% | 4,491 |
| Cash dividends to net income (ytd only)* | 75.4045% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 1,497 |
| Loan loss allowance to noncurrent loans | 126.7153% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 1.0423% | 1,390 |
| Noncurrent loans to loans | 1.1495% | 1,475 |
| Net loans and leases to total assets | 89.3486% | 98 |
| Net loans and leases to deposits | 107.5622% | 374 |
| Net loans and leases to core deposits | 116.2454% | 704 |
| Total domestic deposits to total assets | 83.0669% | 3,285 |
| Equity capital to assets | 12.1062% | 1,834 |
| Core capital (leverage) ratio | 12.0965% | 1,728 |
| Tier 1 risk-based capital ratio | 14.1286% | 3,304 |
| Total risk-based capital ratio | 15.3820% | 3,220 |
| Memoranda: | ||
| Average total assets | $223,750,000 | 2,676 |
| Average earning assets | $213,016,000 | 2,629 |
| Average equity | $26,230,500 | 2,568 |
| Average total loans | $192,774,500 | 2,238 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 709 |
| Cost of funding earning assets | 0.5335% | 2,740 |
| Net interest margin | 4.5300% | 652 |
| Noninterest income to average assets | 0.9761% | 1,000 |
| Noninterest expense to average assets | 3.1213% | 1,734 |
| Loan and lease loss provision to assets | 0.0358% | 3,200 |
| Net operating income to assets | 2.1300% | 292 |
| Return on assets (ROA) | 2.1300% | 287 |
| Pretax return on assets | 2.1300% | 458 |
| Return on Equity (ROE) | 18.3696% | 383 |
| Retained earnings to average equity (ytd only) | 4.2320% | 3,488 |
| Net charge-offs to loans | -0.2661% | 5,368 |
| Credit loss provision to net charge-offs | -15.8730% | 3,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0363% | 4,080 |
| Assets per employee ($millions) | 3.5597% | 4,519 |
| Cash dividends to net income (ytd only)* | 76.9618% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,508 |
| Loan loss allowance to noncurrent loans | 112.0139% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.1580% | 1,250 |
| Noncurrent loans to loans | 1.3063% | 1,306 |
| Net loans and leases to total assets | 87.3517% | 181 |
| Net loans and leases to deposits | 104.8178% | 491 |
| Net loans and leases to core deposits | 113.5373% | 814 |
| Total domestic deposits to total assets | 83.3368% | 3,314 |
| Equity capital to assets | 11.9232% | 1,903 |
| Core capital (leverage) ratio | 11.8359% | 1,816 |
| Tier 1 risk-based capital ratio | 14.2229% | 3,252 |
| Total risk-based capital ratio | 15.4767% | 3,169 |
| Memoranda: | ||
| Average total assets | $223,751,670 | 2,692 |
| Average earning assets | $212,936,330 | 2,644 |
| Average equity | $25,945,000 | 2,594 |
| Average total loans | $189,410,000 | 2,270 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 772 |
| Cost of funding earning assets | 0.5168% | 2,663 |
| Net interest margin | 4.4369% | 707 |
| Noninterest income to average assets | 0.8931% | 1,164 |
| Noninterest expense to average assets | 3.0533% | 1,938 |
| Loan and lease loss provision to assets | 0.0322% | 3,073 |
| Net operating income to assets | 2.0331% | 346 |
| Return on assets (ROA) | 2.0331% | 347 |
| Pretax return on assets | 2.0331% | 536 |
| Return on Equity (ROE) | 17.7861% | 434 |
| Retained earnings to average equity (ytd only) | 3.4288% | 3,835 |
| Net charge-offs to loans | -0.5262% | 5,501 |
| Credit loss provision to net charge-offs | -7.4074% | 3,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6503% | 4,112 |
| Assets per employee ($millions) | 3.6586% | 4,464 |
| Cash dividends to net income (ytd only)* | 80.7218% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,411 |
| Loan loss allowance to noncurrent loans | 108.9739% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 1,340 |
| Noncurrent loans to loans | 1.3896% | 1,280 |
| Net loans and leases to total assets | 81.2061% | 760 |
| Net loans and leases to deposits | 96.7192% | 959 |
| Net loans and leases to core deposits | 105.5156% | 1,277 |
| Total domestic deposits to total assets | 83.9607% | 3,342 |
| Equity capital to assets | 11.4578% | 2,164 |
| Core capital (leverage) ratio | 11.6449% | 1,898 |
| Tier 1 risk-based capital ratio | 14.3283% | 3,213 |
| Total risk-based capital ratio | 15.5822% | 3,127 |
| Memoranda: | ||
| Average total assets | $223,497,500 | 2,723 |
| Average earning assets | $212,851,000 | 2,663 |
| Average equity | $25,548,000 | 2,650 |
| Average total loans | $184,713,000 | 2,325 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 845 |
| Cost of funding earning assets | 0.4739% | 2,563 |
| Net interest margin | 4.4014% | 763 |
| Noninterest income to average assets | 1.2081% | 714 |
| Noninterest expense to average assets | 3.2467% | 1,515 |
| Loan and lease loss provision to assets | 0.1625% | 1,374 |
| Net operating income to assets | 1.9951% | 288 |
| Return on assets (ROA) | 1.9951% | 289 |
| Pretax return on assets | 1.9951% | 495 |
| Return on Equity (ROE) | 17.1328% | 381 |
| Retained earnings to average equity (ytd only) | 2.8206% | 3,623 |
| Net charge-offs to loans | 0.1280% | 1,766 |
| Credit loss provision to net charge-offs | 149.1228% | 1,792 |
| Earnings coverage of net charge-offs (x) | 19.7939% | 2,005 |
| Efficiency ratio | 60.0761% | 4,253 |
| Assets per employee ($millions) | 3.7328% | 4,386 |
| Cash dividends to net income (ytd only)* | 83.5370% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,552 |
| Loan loss allowance to noncurrent loans | 142.2283% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 1,832 |
| Noncurrent loans to loans | 1.0258% | 1,731 |
| Net loans and leases to total assets | 81.6420% | 735 |
| Net loans and leases to deposits | 100.2228% | 710 |
| Net loans and leases to core deposits | 110.3337% | 981 |
| Total domestic deposits to total assets | 81.4605% | 4,012 |
| Equity capital to assets | 11.4025% | 2,282 |
| Core capital (leverage) ratio | 11.1829% | 2,169 |
| Tier 1 risk-based capital ratio | 14.3767% | 3,157 |
| Total risk-based capital ratio | 15.6300% | 3,065 |
| Memoranda: | ||
| Average total assets | $209,166,800 | 2,832 |
| Average earning assets | $199,412,400 | 2,771 |
| Average equity | $24,356,800 | 2,727 |
| Average total loans | $178,161,800 | 2,351 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8519% | 833 |
| Cost of funding earning assets | 0.4498% | 2,719 |
| Net interest margin | 4.4021% | 728 |
| Noninterest income to average assets | 1.2476% | 677 |
| Noninterest expense to average assets | 3.2077% | 1,540 |
| Loan and lease loss provision to assets | 0.1421% | 1,488 |
| Net operating income to assets | 2.1022% | 261 |
| Return on assets (ROA) | 2.1022% | 269 |
| Pretax return on assets | 2.1022% | 446 |
| Return on Equity (ROE) | 17.9555% | 336 |
| Retained earnings to average equity (ytd only) | 3.5977% | 3,778 |
| Net charge-offs to loans | 0.0135% | 3,257 |
| Credit loss provision to net charge-offs | 1,227.7778% | 299 |
| Earnings coverage of net charge-offs (x) | 193.8842% | 449 |
| Efficiency ratio | 58.8346% | 4,383 |
| Assets per employee ($millions) | 3.9123% | 4,130 |
| Cash dividends to net income (ytd only)* | 79.9633% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,639 |
| Loan loss allowance to noncurrent loans | 209.1963% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 2,778 |
| Noncurrent loans to loans | 0.7037% | 2,599 |
| Net loans and leases to total assets | 81.2413% | 800 |
| Net loans and leases to deposits | 102.0400% | 613 |
| Net loans and leases to core deposits | 111.0301% | 977 |
| Total domestic deposits to total assets | 79.6171% | 4,413 |
| Equity capital to assets | 11.0560% | 2,811 |
| Core capital (leverage) ratio | 11.4876% | 2,030 |
| Tier 1 risk-based capital ratio | 14.0010% | 3,439 |
| Total risk-based capital ratio | 15.2543% | 3,355 |
| Memoranda: | ||
| Average total assets | $207,332,250 | 2,870 |
| Average earning assets | $198,020,750 | 2,811 |
| Average equity | $24,274,250 | 2,758 |
| Average total loans | $177,858,250 | 2,359 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 789 |
| Cost of funding earning assets | 0.4215% | 2,876 |
| Net interest margin | 4.4185% | 678 |
| Noninterest income to average assets | 1.2409% | 677 |
| Noninterest expense to average assets | 3.1963% | 1,591 |
| Loan and lease loss provision to assets | 0.1148% | 1,791 |
| Net operating income to assets | 2.1622% | 228 |
| Return on assets (ROA) | 2.1622% | 234 |
| Pretax return on assets | 2.1622% | 383 |
| Return on Equity (ROE) | 18.0972% | 327 |
| Retained earnings to average equity (ytd only) | 3.6609% | 3,526 |
| Net charge-offs to loans | 0.0250% | 2,713 |
| Credit loss provision to net charge-offs | 527.2727% | 636 |
| Earnings coverage of net charge-offs (x) | 104.5909% | 633 |
| Efficiency ratio | 58.3981% | 4,545 |
| Assets per employee ($millions) | 3.6202% | 4,546 |
| Cash dividends to net income (ytd only)* | 79.7712% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,875 |
| Loan loss allowance to noncurrent loans | 235.8439% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 3,002 |
| Noncurrent loans to loans | 0.6008% | 2,926 |
| Net loans and leases to total assets | 86.1225% | 265 |
| Net loans and leases to deposits | 109.6595% | 269 |
| Net loans and leases to core deposits | 118.9885% | 598 |
| Total domestic deposits to total assets | 78.5363% | 4,721 |
| Equity capital to assets | 11.6405% | 2,201 |
| Core capital (leverage) ratio | 11.7904% | 1,775 |
| Tier 1 risk-based capital ratio | 14.2193% | 3,299 |
| Total risk-based capital ratio | 15.4724% | 3,218 |
| Memoranda: | ||
| Average total assets | $202,109,330 | 2,942 |
| Average earning assets | $193,595,000 | 2,864 |
| Average equity | $24,147,330 | 2,766 |
| Average total loans | $175,852,330 | 2,385 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 812 |
| Cost of funding earning assets | 0.3977% | 3,011 |
| Net interest margin | 4.3645% | 683 |
| Noninterest income to average assets | 1.1444% | 770 |
| Noninterest expense to average assets | 2.9711% | 2,239 |
| Loan and lease loss provision to assets | 0.0828% | 2,163 |
| Net operating income to assets | 2.2767% | 198 |
| Return on assets (ROA) | 2.2767% | 203 |
| Pretax return on assets | 2.2767% | 314 |
| Return on Equity (ROE) | 18.8000% | 295 |
| Retained earnings to average equity (ytd only) | 4.2833% | 3,293 |
| Net charge-offs to loans | -0.0395% | 5,071 |
| Credit loss provision to net charge-offs | -241.1765% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7365% | 4,960 |
| Assets per employee ($millions) | 3.9088% | 4,168 |
| Cash dividends to net income (ytd only)* | 77.2163% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 1,776 |
| Loan loss allowance to noncurrent loans | 149.4461% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8437% | 2,191 |
| Noncurrent loans to loans | 0.9884% | 2,072 |
| Net loans and leases to total assets | 84.1012% | 358 |
| Net loans and leases to deposits | 104.5440% | 382 |
| Net loans and leases to core deposits | 111.2641% | 814 |
| Total domestic deposits to total assets | 80.4457% | 4,537 |
| Equity capital to assets | 11.9340% | 1,888 |
| Core capital (leverage) ratio | 12.1247% | 1,551 |
| Tier 1 risk-based capital ratio | 14.8932% | 3,017 |
| Total risk-based capital ratio | 16.1469% | 2,945 |
| Memoranda: | ||
| Average total assets | $198,177,500 | 3,016 |
| Average earning assets | $190,080,500 | 2,934 |
| Average equity | $24,000,000 | 2,793 |
| Average total loans | $172,062,000 | 2,440 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 778 |
| Cost of funding earning assets | 0.3798% | 3,207 |
| Net interest margin | 4.4933% | 634 |
| Noninterest income to average assets | 1.2857% | 685 |
| Noninterest expense to average assets | 2.9476% | 2,506 |
| Loan and lease loss provision to assets | 0.2660% | 761 |
| Net operating income to assets | 2.3675% | 174 |
| Return on assets (ROA) | 2.3864% | 173 |
| Pretax return on assets | 2.3864% | 233 |
| Return on Equity (ROE) | 19.1709% | 260 |
| Retained earnings to average equity (ytd only) | 5.9814% | 1,711 |
| Net charge-offs to loans | 0.2517% | 1,097 |
| Credit loss provision to net charge-offs | 124.8101% | 2,142 |
| Earnings coverage of net charge-offs (x) | 12.3570% | 2,460 |
| Efficiency ratio | 52.8132% | 5,324 |
| Assets per employee ($millions) | 4.0228% | 3,923 |
| Cash dividends to net income (ytd only)* | 68.7995% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 1,801 |
| Loan loss allowance to noncurrent loans | 260.3950% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 3,264 |
| Noncurrent loans to loans | 0.5638% | 3,148 |
| Net loans and leases to total assets | 87.0618% | 179 |
| Net loans and leases to deposits | 108.5217% | 262 |
| Net loans and leases to core deposits | 115.8969% | 621 |
| Total domestic deposits to total assets | 80.2253% | 4,524 |
| Equity capital to assets | 12.2960% | 1,633 |
| Core capital (leverage) ratio | 12.5496% | 1,314 |
| Tier 1 risk-based capital ratio | 15.3742% | 2,803 |
| Total risk-based capital ratio | 16.6285% | 2,735 |
| Memoranda: | ||
| Average total assets | $185,339,600 | 3,107 |
| Average earning assets | $177,175,600 | 3,044 |
| Average equity | $23,071,400 | 2,887 |
| Average total loans | $156,947,400 | 2,556 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 740 |
| Cost of funding earning assets | 0.3790% | 3,239 |
| Net interest margin | 4.5114% | 614 |
| Noninterest income to average assets | 1.2621% | 730 |
| Noninterest expense to average assets | 2.9269% | 2,552 |
| Loan and lease loss provision to assets | 0.1200% | 1,933 |
| Net operating income to assets | 2.5248% | 152 |
| Return on assets (ROA) | 2.5248% | 156 |
| Pretax return on assets | 2.5248% | 212 |
| Return on Equity (ROE) | 20.2177% | 229 |
| Retained earnings to average equity (ytd only) | 7.5212% | 1,390 |
| Net charge-offs to loans | -0.0104% | 4,781 |
| Credit loss provision to net charge-offs | -1,375.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5313% | 5,345 |
| Assets per employee ($millions) | 4.1649% | 3,663 |
| Cash dividends to net income (ytd only)* | 62.7988% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 1,451 |
| Loan loss allowance to noncurrent loans | 552.1368% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 4,439 |
| Noncurrent loans to loans | 0.2907% | 4,218 |
| Net loans and leases to total assets | 84.5205% | 366 |
| Net loans and leases to deposits | 103.5244% | 483 |
| Net loans and leases to core deposits | 109.8384% | 928 |
| Total domestic deposits to total assets | 81.6430% | 4,061 |
| Equity capital to assets | 12.6458% | 1,677 |
| Core capital (leverage) ratio | 12.5731% | 1,371 |
| Tier 1 risk-based capital ratio | 16.0310% | 2,611 |
| Total risk-based capital ratio | 17.2874% | 2,554 |
| Memoranda: | ||
| Average total assets | $183,400,750 | 3,138 |
| Average earning assets | $175,195,000 | 3,070 |
| Average equity | $22,903,500 | 2,927 |
| Average total loans | $153,530,000 | 2,598 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8905% | 737 |
| Cost of funding earning assets | 0.3790% | 3,259 |
| Net interest margin | 4.5115% | 603 |
| Noninterest income to average assets | 1.1732% | 814 |
| Noninterest expense to average assets | 2.8881% | 2,720 |
| Loan and lease loss provision to assets | 0.1066% | 2,081 |
| Net operating income to assets | 2.4805% | 159 |
| Return on assets (ROA) | 2.4805% | 159 |
| Pretax return on assets | 2.4805% | 226 |
| Return on Equity (ROE) | 19.9490% | 247 |
| Retained earnings to average equity (ytd only) | 7.0944% | 1,558 |
| Net charge-offs to loans | -0.0185% | 4,916 |
| Credit loss provision to net charge-offs | -692.8571% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7488% | 5,402 |
| Assets per employee ($millions) | 3.9442% | 4,007 |
| Cash dividends to net income (ytd only)* | 64.4376% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 1,458 |
| Loan loss allowance to noncurrent loans | 542.6724% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 4,494 |
| Noncurrent loans to loans | 0.2993% | 4,300 |
| Net loans and leases to total assets | 82.2724% | 598 |
| Net loans and leases to deposits | 100.5843% | 648 |
| Net loans and leases to core deposits | 107.1973% | 1,083 |
| Total domestic deposits to total assets | 81.7945% | 4,058 |
| Equity capital to assets | 12.4972% | 1,774 |
| Core capital (leverage) ratio | 12.3405% | 1,434 |
| Tier 1 risk-based capital ratio | 16.4051% | 2,467 |
| Total risk-based capital ratio | 17.6621% | 2,406 |
| Memoranda: | ||
| Average total assets | $182,060,330 | 3,171 |
| Average earning assets | $173,602,330 | 3,102 |
| Average equity | $22,637,670 | 2,960 |
| Average total loans | $151,042,000 | 2,632 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 659 |
| Cost of funding earning assets | 0.3665% | 3,435 |
| Net interest margin | 4.5658% | 535 |
| Noninterest income to average assets | 1.0554% | 971 |
| Noninterest expense to average assets | 2.8448% | 2,907 |
| Loan and lease loss provision to assets | 0.1220% | 1,734 |
| Net operating income to assets | 2.4257% | 175 |
| Return on assets (ROA) | 2.4257% | 183 |
| Pretax return on assets | 2.4257% | 269 |
| Return on Equity (ROE) | 19.5593% | 267 |
| Retained earnings to average equity (ytd only) | 6.5615% | 2,099 |
| Net charge-offs to loans | -0.0268% | 5,012 |
| Credit loss provision to net charge-offs | -550.0000% | 4,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7549% | 5,466 |
| Assets per employee ($millions) | 3.8414% | 4,226 |
| Cash dividends to net income (ytd only)* | 66.4534% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 1,460 |
| Loan loss allowance to noncurrent loans | 494.4000% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 4,473 |
| Noncurrent loans to loans | 0.3351% | 4,233 |
| Net loans and leases to total assets | 79.5777% | 874 |
| Net loans and leases to deposits | 97.0456% | 841 |
| Net loans and leases to core deposits | 103.9113% | 1,195 |
| Total domestic deposits to total assets | 82.0004% | 4,229 |
| Equity capital to assets | 12.3279% | 1,805 |
| Core capital (leverage) ratio | 12.7370% | 1,257 |
| Tier 1 risk-based capital ratio | 16.1886% | 2,592 |
| Total risk-based capital ratio | 17.4448% | 2,548 |
| Memoranda: | ||
| Average total assets | $180,401,500 | 3,195 |
| Average earning assets | $171,360,500 | 3,137 |
| Average equity | $22,373,000 | 2,981 |
| Average total loans | $149,046,500 | 2,666 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 648 |
| Cost of funding earning assets | 0.3524% | 3,676 |
| Net interest margin | 4.6310% | 512 |
| Noninterest income to average assets | 1.1001% | 972 |
| Noninterest expense to average assets | 2.9085% | 2,831 |
| Loan and lease loss provision to assets | 0.2355% | 828 |
| Net operating income to assets | 2.3588% | 186 |
| Return on assets (ROA) | 2.3588% | 193 |
| Pretax return on assets | 2.3588% | 269 |
| Return on Equity (ROE) | 19.3331% | 284 |
| Retained earnings to average equity (ytd only) | 7.7740% | 990 |
| Net charge-offs to loans | 0.0495% | 3,215 |
| Credit loss provision to net charge-offs | 565.2778% | 592 |
| Earnings coverage of net charge-offs (x) | 62.2639% | 849 |
| Efficiency ratio | 52.8552% | 5,591 |
| Assets per employee ($millions) | 3.9204% | 4,082 |
| Cash dividends to net income (ytd only)* | 59.7890% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 1,556 |
| Loan loss allowance to noncurrent loans | 481.4000% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 4,351 |
| Noncurrent loans to loans | 0.3358% | 4,259 |
| Net loans and leases to total assets | 83.0327% | 483 |
| Net loans and leases to deposits | 101.7137% | 559 |
| Net loans and leases to core deposits | 109.1243% | 913 |
| Total domestic deposits to total assets | 81.6338% | 4,291 |
| Equity capital to assets | 12.4790% | 1,636 |
| Core capital (leverage) ratio | 12.2087% | 1,497 |
| Tier 1 risk-based capital ratio | 16.2412% | 2,588 |
| Total risk-based capital ratio | 17.4976% | 2,547 |
| Memoranda: | ||
| Average total assets | $172,802,600 | 3,264 |
| Average earning assets | $164,283,200 | 3,198 |
| Average equity | $21,083,000 | 3,063 |
| Average total loans | $145,431,800 | 2,660 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 757 |
| Cost of funding earning assets | 0.3450% | 3,808 |
| Net interest margin | 4.5624% | 578 |
| Noninterest income to average assets | 1.0983% | 1,000 |
| Noninterest expense to average assets | 2.8784% | 2,915 |
| Loan and lease loss provision to assets | 0.2017% | 994 |
| Net operating income to assets | 2.3672% | 195 |
| Return on assets (ROA) | 2.3672% | 205 |
| Pretax return on assets | 2.3672% | 303 |
| Return on Equity (ROE) | 19.5167% | 302 |
| Retained earnings to average equity (ytd only) | 7.8271% | 1,318 |
| Net charge-offs to loans | 0.0240% | 3,460 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 127.3692% | 514 |
| Efficiency ratio | 52.8407% | 5,592 |
| Assets per employee ($millions) | 4.1186% | 3,675 |
| Cash dividends to net income (ytd only)* | 59.8951% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 2,271 |
| Loan loss allowance to noncurrent loans | 167.4655% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8012% | 2,883 |
| Noncurrent loans to loans | 0.8788% | 2,784 |
| Net loans and leases to total assets | 85.1920% | 287 |
| Net loans and leases to deposits | 107.9427% | 306 |
| Net loans and leases to core deposits | 114.4534% | 650 |
| Total domestic deposits to total assets | 78.9234% | 4,998 |
| Equity capital to assets | 11.9198% | 2,169 |
| Core capital (leverage) ratio | 12.0610% | 1,645 |
| Tier 1 risk-based capital ratio | 15.0744% | 3,260 |
| Total risk-based capital ratio | 16.3292% | 3,193 |
| Memoranda: | ||
| Average total assets | $171,899,250 | 3,300 |
| Average earning assets | $163,857,250 | 3,232 |
| Average equity | $20,850,000 | 3,112 |
| Average total loans | $144,567,250 | 2,686 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8367% | 829 |
| Cost of funding earning assets | 0.3361% | 3,971 |
| Net interest margin | 4.5007% | 635 |
| Noninterest income to average assets | 1.1043% | 993 |
| Noninterest expense to average assets | 2.8840% | 2,950 |
| Loan and lease loss provision to assets | 0.1552% | 1,370 |
| Net operating income to assets | 2.3496% | 207 |
| Return on assets (ROA) | 2.3496% | 219 |
| Pretax return on assets | 2.3496% | 312 |
| Return on Equity (ROE) | 19.2527% | 309 |
| Retained earnings to average equity (ytd only) | 7.4176% | 1,510 |
| Net charge-offs to loans | 0.0171% | 3,369 |
| Credit loss provision to net charge-offs | 1,091.6667% | 323 |
| Earnings coverage of net charge-offs (x) | 176.1667% | 379 |
| Efficiency ratio | 53.5180% | 5,620 |
| Assets per employee ($millions) | 3.9007% | 4,074 |
| Cash dividends to net income (ytd only)* | 61.4725% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 2,453 |
| Loan loss allowance to noncurrent loans | 156.3481% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 2,873 |
| Noncurrent loans to loans | 0.9347% | 2,794 |
| Net loans and leases to total assets | 84.2045% | 357 |
| Net loans and leases to deposits | 106.4371% | 360 |
| Net loans and leases to core deposits | 113.6795% | 681 |
| Total domestic deposits to total assets | 79.1120% | 5,074 |
| Equity capital to assets | 12.0435% | 1,990 |
| Core capital (leverage) ratio | 12.2449% | 1,513 |
| Tier 1 risk-based capital ratio | 15.4014% | 3,163 |
| Total risk-based capital ratio | 16.6560% | 3,094 |
| Memoranda: | ||
| Average total assets | $168,792,330 | 3,374 |
| Average earning assets | $160,687,670 | 3,293 |
| Average equity | $20,599,670 | 3,151 |
| Average total loans | $140,526,000 | 2,743 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 917 |
| Cost of funding earning assets | 0.3207% | 4,215 |
| Net interest margin | 4.4441% | 667 |
| Noninterest income to average assets | 0.9019% | 1,379 |
| Noninterest expense to average assets | 2.8581% | 3,038 |
| Loan and lease loss provision to assets | 0.1209% | 1,717 |
| Net operating income to assets | 2.1448% | 258 |
| Return on assets (ROA) | 2.1448% | 274 |
| Pretax return on assets | 2.1448% | 441 |
| Return on Equity (ROE) | 17.4525% | 434 |
| Retained earnings to average equity (ytd only) | 5.4699% | 2,797 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7810% | 5,531 |
| Assets per employee ($millions) | 3.8878% | 4,189 |
| Cash dividends to net income (ytd only)* | 68.6584% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 2,316 |
| Loan loss allowance to noncurrent loans | 691.2052% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 5,041 |
| Noncurrent loans to loans | 0.2216% | 4,980 |
| Net loans and leases to total assets | 79.7585% | 710 |
| Net loans and leases to deposits | 97.4390% | 725 |
| Net loans and leases to core deposits | 104.3599% | 1,041 |
| Total domestic deposits to total assets | 81.8547% | 4,549 |
| Equity capital to assets | 12.0738% | 1,974 |
| Core capital (leverage) ratio | 12.2976% | 1,464 |
| Tier 1 risk-based capital ratio | 16.0924% | 2,879 |
| Total risk-based capital ratio | 17.3476% | 2,808 |
| Memoranda: | ||
| Average total assets | $165,423,000 | 3,437 |
| Average earning assets | $157,151,500 | 3,363 |
| Average equity | $20,329,500 | 3,198 |
| Average total loans | $135,790,500 | 2,812 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 801 |
| Cost of funding earning assets | 0.3110% | 4,671 |
| Net interest margin | 4.6737% | 545 |
| Noninterest income to average assets | 0.8526% | 1,672 |
| Noninterest expense to average assets | 2.9466% | 3,011 |
| Loan and lease loss provision to assets | 0.2360% | 1,016 |
| Net operating income to assets | 2.0947% | 279 |
| Return on assets (ROA) | 2.0934% | 287 |
| Pretax return on assets | 2.0934% | 418 |
| Return on Equity (ROE) | 16.8439% | 506 |
| Retained earnings to average equity (ytd only) | 6.0837% | 1,870 |
| Net charge-offs to loans | 0.0369% | 4,099 |
| Credit loss provision to net charge-offs | 780.8511% | 347 |
| Earnings coverage of net charge-offs (x) | 77.1277% | 649 |
| Efficiency ratio | 55.8358% | 5,680 |
| Assets per employee ($millions) | 3.7159% | 4,500 |
| Cash dividends to net income (ytd only)* | 63.8821% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 2,235 |
| Loan loss allowance to noncurrent loans | 622.2222% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 5,007 |
| Noncurrent loans to loans | 0.2503% | 4,936 |
| Net loans and leases to total assets | 81.9548% | 526 |
| Net loans and leases to deposits | 102.7768% | 482 |
| Net loans and leases to core deposits | 111.5998% | 704 |
| Total domestic deposits to total assets | 79.7405% | 5,083 |
| Equity capital to assets | 12.5202% | 1,637 |
| Core capital (leverage) ratio | 12.7190% | 1,244 |
| Tier 1 risk-based capital ratio | 16.3054% | 2,809 |
| Total risk-based capital ratio | 17.5615% | 2,752 |
| Memoranda: | ||
| Average total assets | $155,533,200 | 3,558 |
| Average earning assets | $147,250,800 | 3,493 |
| Average equity | $19,330,400 | 3,246 |
| Average total loans | $127,403,400 | 2,911 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9724% | 808 |
| Cost of funding earning assets | 0.3088% | 4,796 |
| Net interest margin | 4.6637% | 540 |
| Noninterest income to average assets | 0.8934% | 1,543 |
| Noninterest expense to average assets | 2.9796% | 2,867 |
| Loan and lease loss provision to assets | 0.2425% | 904 |
| Net operating income to assets | 2.0905% | 290 |
| Return on assets (ROA) | 2.0888% | 300 |
| Pretax return on assets | 2.0888% | 469 |
| Return on Equity (ROE) | 16.8387% | 569 |
| Retained earnings to average equity (ytd only) | 5.9840% | 2,417 |
| Net charge-offs to loans | 0.0286% | 3,913 |
| Credit loss provision to net charge-offs | 1,040.7407% | 316 |
| Earnings coverage of net charge-offs (x) | 100.1086% | 588 |
| Efficiency ratio | 56.0845% | 5,655 |
| Assets per employee ($millions) | 3.7337% | 4,429 |
| Cash dividends to net income (ytd only)* | 64.4628% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 2,757 |
| Loan loss allowance to noncurrent loans | 483.3735% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 5,207 |
| Noncurrent loans to loans | 0.3087% | 4,985 |
| Net loans and leases to total assets | 82.4964% | 463 |
| Net loans and leases to deposits | 104.1946% | 390 |
| Net loans and leases to core deposits | 112.3822% | 645 |
| Total domestic deposits to total assets | 79.1753% | 5,284 |
| Equity capital to assets | 12.2628% | 1,853 |
| Core capital (leverage) ratio | 12.2496% | 1,546 |
| Tier 1 risk-based capital ratio | 15.9133% | 3,094 |
| Total risk-based capital ratio | 17.1678% | 3,041 |
| Memoranda: | ||
| Average total assets | $154,471,000 | 3,597 |
| Average earning assets | $146,376,750 | 3,528 |
| Average equity | $19,161,750 | 3,275 |
| Average total loans | $125,999,000 | 2,957 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 904 |
| Cost of funding earning assets | 0.3037% | 4,934 |
| Net interest margin | 4.6011% | 583 |
| Noninterest income to average assets | 0.8515% | 1,652 |
| Noninterest expense to average assets | 3.0175% | 2,771 |
| Loan and lease loss provision to assets | 0.1968% | 1,239 |
| Net operating income to assets | 1.9902% | 345 |
| Return on assets (ROA) | 1.9876% | 357 |
| Pretax return on assets | 1.9876% | 571 |
| Return on Equity (ROE) | 15.9589% | 660 |
| Retained earnings to average equity (ytd only) | 5.0036% | 2,955 |
| Net charge-offs to loans | 0.0487% | 3,276 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 55.5667% | 856 |
| Efficiency ratio | 57.9783% | 5,554 |
| Assets per employee ($millions) | 3.8201% | 4,219 |
| Cash dividends to net income (ytd only)* | 68.6469% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 3,330 |
| Loan loss allowance to noncurrent loans | 407.8431% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 5,149 |
| Noncurrent loans to loans | 0.3443% | 4,978 |
| Net loans and leases to total assets | 81.9213% | 473 |
| Net loans and leases to deposits | 105.8891% | 309 |
| Net loans and leases to core deposits | 114.0431% | 535 |
| Total domestic deposits to total assets | 77.3652% | 5,743 |
| Equity capital to assets | 12.0311% | 1,957 |
| Core capital (leverage) ratio | 12.4919% | 1,400 |
| Tier 1 risk-based capital ratio | 15.6308% | 3,276 |
| Total risk-based capital ratio | 16.8844% | 3,220 |
| Memoranda: | ||
| Average total assets | $152,444,670 | 3,643 |
| Average earning assets | $144,226,330 | 3,594 |
| Average equity | $18,986,330 | 3,289 |
| Average total loans | $123,180,670 | 3,006 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 922 |
| Cost of funding earning assets | 0.3023% | 5,042 |
| Net interest margin | 4.5607% | 595 |
| Noninterest income to average assets | 0.7814% | 1,837 |
| Noninterest expense to average assets | 3.1365% | 2,418 |
| Loan and lease loss provision to assets | 0.0728% | 2,681 |
| Net operating income to assets | 1.8808% | 411 |
| Return on assets (ROA) | 1.8808% | 432 |
| Pretax return on assets | 1.8808% | 678 |
| Return on Equity (ROE) | 14.8290% | 808 |
| Retained earnings to average equity (ytd only) | 3.7816% | 3,860 |
| Net charge-offs to loans | 0.0135% | 3,329 |
| Credit loss provision to net charge-offs | 675.0000% | 418 |
| Earnings coverage of net charge-offs (x) | 181.2500% | 270 |
| Efficiency ratio | 61.6199% | 5,185 |
| Assets per employee ($millions) | 3.4157% | 5,113 |
| Cash dividends to net income (ytd only)* | 74.4986% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 3,238 |
| Loan loss allowance to noncurrent loans | 442.6434% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 5,348 |
| Noncurrent loans to loans | 0.3342% | 5,110 |
| Net loans and leases to total assets | 78.6534% | 694 |
| Net loans and leases to deposits | 93.8755% | 807 |
| Net loans and leases to core deposits | 99.8328% | 1,113 |
| Total domestic deposits to total assets | 83.7848% | 4,350 |
| Equity capital to assets | 12.6461% | 1,494 |
| Core capital (leverage) ratio | 12.8963% | 1,207 |
| Tier 1 risk-based capital ratio | 16.4787% | 2,908 |
| Total risk-based capital ratio | 17.7324% | 2,878 |
| Memoranda: | ||
| Average total assets | $148,445,500 | 3,725 |
| Average earning assets | $140,242,500 | 3,661 |
| Average equity | $18,828,000 | 3,306 |
| Average total loans | $118,116,500 | 3,112 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 1,374 |
| Cost of funding earning assets | 0.3441% | 5,201 |
| Net interest margin | 4.4340% | 851 |
| Noninterest income to average assets | 0.5823% | 3,198 |
| Noninterest expense to average assets | 2.9069% | 3,355 |
| Loan and lease loss provision to assets | 0.3144% | 1,057 |
| Net operating income to assets | 1.5270% | 777 |
| Return on assets (ROA) | 1.5256% | 817 |
| Pretax return on assets | 1.5256% | 1,362 |
| Return on Equity (ROE) | 11.1682% | 1,713 |
| Retained earnings to average equity (ytd only) | 2.1015% | 4,743 |
| Net charge-offs to loans | 0.0399% | 4,666 |
| Credit loss provision to net charge-offs | 1,089.7436% | 231 |
| Earnings coverage of net charge-offs (x) | 63.8205% | 655 |
| Efficiency ratio | 61.2184% | 5,327 |
| Assets per employee ($millions) | 3.4093% | 5,061 |
| Cash dividends to net income (ytd only)* | 81.1833% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 3,143 |
| Loan loss allowance to noncurrent loans | 334.9904% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 5,186 |
| Noncurrent loans to loans | 0.4499% | 4,871 |
| Net loans and leases to total assets | 78.1016% | 815 |
| Net loans and leases to deposits | 97.1178% | 656 |
| Net loans and leases to core deposits | 103.6528% | 932 |
| Total domestic deposits to total assets | 80.4195% | 5,336 |
| Equity capital to assets | 12.7217% | 1,413 |
| Core capital (leverage) ratio | 13.1278% | 1,090 |
| Tier 1 risk-based capital ratio | 16.1200% | 3,049 |
| Total risk-based capital ratio | 17.3735% | 2,997 |
| Memoranda: | ||
| Average total assets | $135,163,200 | 3,977 |
| Average earning assets | $126,997,000 | 3,905 |
| Average equity | $18,463,200 | 3,345 |
| Average total loans | $97,698,200 | 3,512 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 1,594 |
| Cost of funding earning assets | 0.3538% | 5,260 |
| Net interest margin | 4.3476% | 993 |
| Noninterest income to average assets | 0.4998% | 3,807 |
| Noninterest expense to average assets | 2.8802% | 3,376 |
| Loan and lease loss provision to assets | 0.1764% | 2,063 |
| Net operating income to assets | 1.5298% | 852 |
| Return on assets (ROA) | 1.5278% | 900 |
| Pretax return on assets | 1.5278% | 1,528 |
| Return on Equity (ROE) | 10.9754% | 1,829 |
| Retained earnings to average equity (ytd only) | 2.5846% | 4,778 |
| Net charge-offs to loans | 0.0029% | 5,154 |
| Credit loss provision to net charge-offs | 8,750.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 845.4232% | 56 |
| Efficiency ratio | 62.7994% | 5,015 |
| Assets per employee ($millions) | 3.2088% | 5,478 |
| Cash dividends to net income (ytd only)* | 76.4511% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 3,486 |
| Loan loss allowance to noncurrent loans | 261.2903% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 5,147 |
| Noncurrent loans to loans | 0.5716% | 4,774 |
| Net loans and leases to total assets | 73.5641% | 1,353 |
| Net loans and leases to deposits | 85.4194% | 1,687 |
| Net loans and leases to core deposits | 91.3808% | 1,835 |
| Total domestic deposits to total assets | 86.1211% | 3,184 |
| Equity capital to assets | 13.4970% | 1,116 |
| Core capital (leverage) ratio | 13.6666% | 962 |
| Tier 1 risk-based capital ratio | 17.9961% | 2,325 |
| Total risk-based capital ratio | 19.2490% | 2,286 |
| Memoranda: | ||
| Average total assets | $132,304,000 | 4,064 |
| Average earning assets | $124,355,750 | 3,995 |
| Average equity | $18,416,500 | 3,385 |
| Average total loans | $93,060,500 | 3,642 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,726 |
| Cost of funding earning assets | 0.3612% | 5,304 |
| Net interest margin | 4.2792% | 1,073 |
| Noninterest income to average assets | 0.4662% | 4,049 |
| Noninterest expense to average assets | 2.8264% | 3,585 |
| Loan and lease loss provision to assets | 0.1150% | 2,890 |
| Net operating income to assets | 1.5397% | 833 |
| Return on assets (ROA) | 1.5367% | 905 |
| Pretax return on assets | 1.5367% | 1,521 |
| Return on Equity (ROE) | 10.9224% | 1,836 |
| Retained earnings to average equity (ytd only) | 2.4962% | 4,710 |
| Net charge-offs to loans | 0.0045% | 4,819 |
| Credit loss provision to net charge-offs | 3,750.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 539.5000% | 79 |
| Efficiency ratio | 63.0732% | 5,007 |
| Assets per employee ($millions) | 3.3887% | 5,092 |
| Cash dividends to net income (ytd only)* | 77.1457% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 3,526 |
| Loan loss allowance to noncurrent loans | 263.0713% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 5,244 |
| Noncurrent loans to loans | 0.5751% | 4,823 |
| Net loans and leases to total assets | 70.8772% | 1,738 |
| Net loans and leases to deposits | 82.7038% | 1,962 |
| Net loans and leases to core deposits | 88.7340% | 2,032 |
| Total domestic deposits to total assets | 85.7000% | 3,528 |
| Equity capital to assets | 13.9996% | 970 |
| Core capital (leverage) ratio | 13.9778% | 828 |
| Tier 1 risk-based capital ratio | 18.9121% | 2,013 |
| Total risk-based capital ratio | 20.1653% | 1,976 |
| Memoranda: | ||
| Average total assets | $130,412,330 | 4,131 |
| Average earning assets | $122,358,330 | 4,077 |
| Average equity | $18,347,670 | 3,415 |
| Average total loans | $89,733,330 | 3,729 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 1,821 |
| Cost of funding earning assets | 0.3690% | 5,378 |
| Net interest margin | 4.2322% | 1,114 |
| Noninterest income to average assets | 0.4755% | 3,951 |
| Noninterest expense to average assets | 2.7915% | 3,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6150% | 685 |
| Return on assets (ROA) | 1.6150% | 745 |
| Pretax return on assets | 1.6150% | 1,271 |
| Return on Equity (ROE) | 11.4502% | 1,574 |
| Retained earnings to average equity (ytd only) | 2.9994% | 4,485 |
| Net charge-offs to loans | 0.0138% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 174.3333% | 231 |
| Efficiency ratio | 63.3497% | 5,105 |
| Assets per employee ($millions) | 3.2279% | 5,576 |
| Cash dividends to net income (ytd only)* | 73.8050% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 3,712 |
| Loan loss allowance to noncurrent loans | 259.6190% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 4,450 |
| Noncurrent loans to loans | 0.5881% | 4,968 |
| Net loans and leases to total assets | 66.4297% | 2,295 |
| Net loans and leases to deposits | 77.3627% | 2,439 |
| Net loans and leases to core deposits | 83.9645% | 2,327 |
| Total domestic deposits to total assets | 85.8678% | 3,604 |
| Equity capital to assets | 13.9184% | 1,059 |
| Core capital (leverage) ratio | 14.0841% | 774 |
| Tier 1 risk-based capital ratio | 19.7248% | 1,842 |
| Total risk-based capital ratio | 20.9773% | 1,812 |
| Memoranda: | ||
| Average total assets | $129,538,000 | 4,194 |
| Average earning assets | $120,314,500 | 4,149 |
| Average equity | $18,270,500 | 3,486 |
| Average total loans | $87,044,500 | 3,812 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 1,600 |
| Cost of funding earning assets | 0.4008% | 5,918 |
| Net interest margin | 4.5852% | 805 |
| Noninterest income to average assets | 0.4240% | 4,424 |
| Noninterest expense to average assets | 2.6721% | 4,502 |
| Loan and lease loss provision to assets | 0.3648% | 1,806 |
| Net operating income to assets | 1.7187% | 594 |
| Return on assets (ROA) | 1.7171% | 672 |
| Pretax return on assets | 1.7171% | 1,095 |
| Return on Equity (ROE) | 11.7362% | 1,582 |
| Retained earnings to average equity (ytd only) | 1.8452% | 4,922 |
| Net charge-offs to loans | 0.4708% | 2,354 |
| Credit loss provision to net charge-offs | 119.3634% | 2,405 |
| Earnings coverage of net charge-offs (x) | 6.8170% | 2,731 |
| Efficiency ratio | 56.1882% | 6,039 |
| Assets per employee ($millions) | 3.5204% | 4,972 |
| Cash dividends to net income (ytd only)* | 84.2776% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 3,261 |
| Loan loss allowance to noncurrent loans | 326.0143% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 4,662 |
| Noncurrent loans to loans | 0.4940% | 5,296 |
| Net loans and leases to total assets | 65.8432% | 2,553 |
| Net loans and leases to deposits | 78.1225% | 2,510 |
| Net loans and leases to core deposits | 84.8130% | 2,451 |
| Total domestic deposits to total assets | 84.2819% | 4,192 |
| Equity capital to assets | 14.2986% | 939 |
| Core capital (leverage) ratio | 14.4769% | 679 |
| Tier 1 risk-based capital ratio | 20.0831% | 1,649 |
| Total risk-based capital ratio | 21.3361% | 1,623 |
| Memoranda: | ||
| Average total assets | $123,348,400 | 4,285 |
| Average earning assets | $116,526,400 | 4,201 |
| Average equity | $18,046,800 | 3,460 |
| Average total loans | $80,075,800 | 4,037 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9627% | 1,797 |
| Cost of funding earning assets | 0.4064% | 6,085 |
| Net interest margin | 4.5563% | 893 |
| Noninterest income to average assets | 0.4288% | 4,418 |
| Noninterest expense to average assets | 2.6295% | 4,638 |
| Loan and lease loss provision to assets | 0.2721% | 2,398 |
| Net operating income to assets | 1.8829% | 473 |
| Return on assets (ROA) | 1.8807% | 558 |
| Pretax return on assets | 1.8807% | 909 |
| Return on Equity (ROE) | 12.7796% | 1,391 |
| Retained earnings to average equity (ytd only) | 4.2894% | 3,871 |
| Net charge-offs to loans | 0.2535% | 3,202 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 13.1997% | 1,933 |
| Efficiency ratio | 54.9591% | 6,149 |
| Assets per employee ($millions) | 3.5482% | 4,852 |
| Cash dividends to net income (ytd only)* | 66.4353% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 3,287 |
| Loan loss allowance to noncurrent loans | 378.2609% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 4,890 |
| Noncurrent loans to loans | 0.4392% | 5,568 |
| Net loans and leases to total assets | 66.3481% | 2,583 |
| Net loans and leases to deposits | 80.1258% | 2,369 |
| Net loans and leases to core deposits | 86.7179% | 2,376 |
| Total domestic deposits to total assets | 82.8048% | 4,722 |
| Equity capital to assets | 14.8092% | 871 |
| Core capital (leverage) ratio | 15.0903% | 597 |
| Tier 1 risk-based capital ratio | 20.8222% | 1,571 |
| Total risk-based capital ratio | 21.9604% | 1,560 |
| Memoranda: | ||
| Average total assets | $122,502,250 | 4,339 |
| Average earning assets | $117,110,500 | 4,221 |
| Average equity | $18,028,250 | 3,495 |
| Average total loans | $78,892,000 | 4,111 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8288% | 2,391 |
| Cost of funding earning assets | 0.4221% | 6,150 |
| Net interest margin | 4.4067% | 1,181 |
| Noninterest income to average assets | 0.4379% | 4,378 |
| Noninterest expense to average assets | 2.6177% | 4,719 |
| Loan and lease loss provision to assets | 0.0820% | 4,572 |
| Net operating income to assets | 1.9501% | 423 |
| Return on assets (ROA) | 1.9468% | 490 |
| Pretax return on assets | 1.9468% | 766 |
| Return on Equity (ROE) | 13.2571% | 1,291 |
| Retained earnings to average equity (ytd only) | 4.7132% | 3,470 |
| Net charge-offs to loans | 0.0880% | 4,272 |
| Credit loss provision to net charge-offs | 147.0588% | 1,881 |
| Earnings coverage of net charge-offs (x) | 36.4412% | 941 |
| Efficiency ratio | 56.2963% | 6,083 |
| Assets per employee ($millions) | 3.8971% | 4,081 |
| Cash dividends to net income (ytd only)* | 64.4482% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,317 |
| Loan loss allowance to noncurrent loans | 112.8448% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.3939% | 3,637 |
| Noncurrent loans to loans | 1.4878% | 3,678 |
| Net loans and leases to total assets | 63.4522% | 3,154 |
| Net loans and leases to deposits | 74.8901% | 3,144 |
| Net loans and leases to core deposits | 83.0986% | 2,816 |
| Total domestic deposits to total assets | 84.7271% | 3,985 |
| Equity capital to assets | 15.0866% | 762 |
| Core capital (leverage) ratio | 14.6325% | 671 |
| Tier 1 risk-based capital ratio | 21.6214% | 1,367 |
| Total risk-based capital ratio | 22.8756% | 1,337 |
| Memoranda: | ||
| Average total assets | $121,941,000 | 4,374 |
| Average earning assets | $116,549,670 | 4,258 |
| Average equity | $17,907,330 | 3,511 |
| Average total loans | $77,260,330 | 4,175 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 4,303 |
| Cost of funding earning assets | 0.4407% | 6,205 |
| Net interest margin | 3.9662% | 2,643 |
| Noninterest income to average assets | 0.4636% | 4,196 |
| Noninterest expense to average assets | 2.4978% | 5,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7566% | 655 |
| Return on assets (ROA) | 1.7566% | 731 |
| Pretax return on assets | 1.7566% | 1,181 |
| Return on Equity (ROE) | 12.1253% | 1,647 |
| Retained earnings to average equity (ytd only) | 3.4934% | 4,484 |
| Net charge-offs to loans | -0.0364% | 6,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7107% | 5,815 |
| Assets per employee ($millions) | 4.0153% | 3,971 |
| Cash dividends to net income (ytd only)* | 71.1896% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 3,567 |
| Loan loss allowance to noncurrent loans | 72.8291% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8462% | 3,118 |
| Noncurrent loans to loans | 2.2549% | 2,855 |
| Net loans and leases to total assets | 62.5517% | 3,149 |
| Net loans and leases to deposits | 73.7800% | 3,143 |
| Net loans and leases to core deposits | 83.4763% | 2,607 |
| Total domestic deposits to total assets | 84.7814% | 4,129 |
| Equity capital to assets | 14.4377% | 879 |
| Core capital (leverage) ratio | 14.4120% | 707 |
| Tier 1 risk-based capital ratio | 20.5284% | 1,582 |
| Total risk-based capital ratio | 21.7874% | 1,557 |
| Memoranda: | ||
| Average total assets | $122,507,000 | 4,394 |
| Average earning assets | $117,090,000 | 4,271 |
| Average equity | $17,748,000 | 3,537 |
| Average total loans | $76,908,000 | 4,218 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 2,959 |
| Cost of funding earning assets | 0.5351% | 6,399 |
| Net interest margin | 4.4465% | 1,275 |
| Noninterest income to average assets | 0.3435% | 5,065 |
| Noninterest expense to average assets | 2.5184% | 5,408 |
| Loan and lease loss provision to assets | 0.4158% | 2,510 |
| Net operating income to assets | 1.6592% | 593 |
| Return on assets (ROA) | 1.6551% | 641 |
| Pretax return on assets | 1.6551% | 1,094 |
| Return on Equity (ROE) | 11.3319% | 1,609 |
| Retained earnings to average equity (ytd only) | 0.5751% | 5,573 |
| Net charge-offs to loans | 0.2719% | 4,072 |
| Credit loss provision to net charge-offs | 221.2389% | 1,100 |
| Earnings coverage of net charge-offs (x) | 11.0398% | 1,766 |
| Efficiency ratio | 54.8253% | 6,441 |
| Assets per employee ($millions) | 3.8884% | 4,105 |
| Cash dividends to net income (ytd only)* | 94.9246% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 3,085 |
| Loan loss allowance to noncurrent loans | 70.4248% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.9487% | 3,045 |
| Noncurrent loans to loans | 2.4593% | 2,675 |
| Net loans and leases to total assets | 60.8614% | 3,817 |
| Net loans and leases to deposits | 71.3460% | 3,895 |
| Net loans and leases to core deposits | 81.0838% | 3,309 |
| Total domestic deposits to total assets | 85.3046% | 3,687 |
| Equity capital to assets | 14.5386% | 882 |
| Core capital (leverage) ratio | 14.3139% | 754 |
| Tier 1 risk-based capital ratio | 21.1518% | 1,385 |
| Total risk-based capital ratio | 22.4048% | 1,362 |
| Memoranda: | ||
| Average total assets | $120,236,400 | 4,394 |
| Average earning assets | $114,921,800 | 4,260 |
| Average equity | $17,561,000 | 3,496 |
| Average total loans | $83,123,000 | 4,047 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 2,526 |
| Cost of funding earning assets | 0.5524% | 6,504 |
| Net interest margin | 4.5650% | 1,014 |
| Noninterest income to average assets | 0.3196% | 5,314 |
| Noninterest expense to average assets | 2.4899% | 5,500 |
| Loan and lease loss provision to assets | 0.5548% | 1,772 |
| Net operating income to assets | 1.6400% | 719 |
| Return on assets (ROA) | 1.6400% | 784 |
| Pretax return on assets | 1.6400% | 1,278 |
| Return on Equity (ROE) | 11.2158% | 1,786 |
| Retained earnings to average equity (ytd only) | 0.7133% | 5,732 |
| Net charge-offs to loans | 0.2612% | 3,801 |
| Credit loss provision to net charge-offs | 299.4012% | 960 |
| Earnings coverage of net charge-offs (x) | 11.8444% | 1,775 |
| Efficiency ratio | 53.1502% | 6,579 |
| Assets per employee ($millions) | 3.9308% | 4,002 |
| Cash dividends to net income (ytd only)* | 93.6401% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 3,746 |
| Loan loss allowance to noncurrent loans | 41.1693% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 2.7098% | 2,393 |
| Noncurrent loans to loans | 3.8427% | 1,747 |
| Net loans and leases to total assets | 69.0233% | 2,269 |
| Net loans and leases to deposits | 80.9098% | 2,534 |
| Net loans and leases to core deposits | 91.9586% | 1,997 |
| Total domestic deposits to total assets | 85.3089% | 3,612 |
| Equity capital to assets | 14.4531% | 1,009 |
| Core capital (leverage) ratio | 14.5925% | 754 |
| Tier 1 risk-based capital ratio | 18.6847% | 2,031 |
| Total risk-based capital ratio | 19.9366% | 1,989 |
| Memoranda: | ||
| Average total assets | $120,160,250 | 4,421 |
| Average earning assets | $114,899,250 | 4,285 |
| Average equity | $17,570,000 | 3,494 |
| Average total loans | $85,239,750 | 4,024 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 2,479 |
| Cost of funding earning assets | 0.5723% | 6,574 |
| Net interest margin | 4.5750% | 957 |
| Noninterest income to average assets | 0.2910% | 5,548 |
| Noninterest expense to average assets | 2.4934% | 5,566 |
| Loan and lease loss provision to assets | 0.4181% | 2,346 |
| Net operating income to assets | 1.7643% | 536 |
| Return on assets (ROA) | 1.7643% | 577 |
| Pretax return on assets | 1.7643% | 938 |
| Return on Equity (ROE) | 12.0187% | 1,484 |
| Retained earnings to average equity (ytd only) | 0.5696% | 5,624 |
| Net charge-offs to loans | 0.3734% | 3,063 |
| Credit loss provision to net charge-offs | 157.2327% | 1,938 |
| Earnings coverage of net charge-offs (x) | 8.2075% | 2,098 |
| Efficiency ratio | 53.3262% | 6,681 |
| Assets per employee ($millions) | 3.9703% | 3,820 |
| Cash dividends to net income (ytd only)* | 95.2607% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 5,053 |
| Loan loss allowance to noncurrent loans | 42.9512% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 2.2081% | 2,968 |
| Noncurrent loans to loans | 3.0324% | 2,391 |
| Net loans and leases to total assets | 70.5555% | 2,103 |
| Net loans and leases to deposits | 83.0776% | 2,261 |
| Net loans and leases to core deposits | 93.9234% | 1,902 |
| Total domestic deposits to total assets | 84.9273% | 3,910 |
| Equity capital to assets | 14.8838% | 845 |
| Core capital (leverage) ratio | 14.6003% | 744 |
| Tier 1 risk-based capital ratio | 18.5620% | 1,981 |
| Total risk-based capital ratio | 19.7367% | 1,967 |
| Memoranda: | ||
| Average total assets | $119,595,000 | 4,468 |
| Average earning assets | $114,623,000 | 4,315 |
| Average equity | $17,556,000 | 3,484 |
| Average total loans | $85,166,000 | 4,064 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1787% | 2,308 |
| Cost of funding earning assets | 0.5998% | 6,617 |
| Net interest margin | 4.5788% | 900 |
| Noninterest income to average assets | 0.3805% | 4,870 |
| Noninterest expense to average assets | 2.4166% | 5,836 |
| Loan and lease loss provision to assets | 0.5007% | 1,741 |
| Net operating income to assets | 1.8458% | 448 |
| Return on assets (ROA) | 1.8458% | 473 |
| Pretax return on assets | 1.8458% | 745 |
| Return on Equity (ROE) | 12.6617% | 1,284 |
| Retained earnings to average equity (ytd only) | 1.2135% | 5,337 |
| Net charge-offs to loans | 0.1080% | 3,881 |
| Credit loss provision to net charge-offs | 652.1739% | 577 |
| Earnings coverage of net charge-offs (x) | 30.5652% | 821 |
| Efficiency ratio | 50.7358% | 6,937 |
| Assets per employee ($millions) | 3.9060% | 4,059 |
| Cash dividends to net income (ytd only)* | 90.4159% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 5,010 |
| Loan loss allowance to noncurrent loans | 43.4420% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 2.3297% | 2,917 |
| Noncurrent loans to loans | 3.0502% | 2,461 |
| Net loans and leases to total assets | 70.4780% | 2,043 |
| Net loans and leases to deposits | 82.5632% | 2,261 |
| Net loans and leases to core deposits | 90.8877% | 2,252 |
| Total domestic deposits to total assets | 85.3625% | 3,855 |
| Equity capital to assets | 14.4616% | 889 |
| Core capital (leverage) ratio | 14.2684% | 788 |
| Tier 1 risk-based capital ratio | 18.3038% | 2,020 |
| Total risk-based capital ratio | 19.5127% | 1,988 |
| Memoranda: | ||
| Average total assets | $119,838,000 | 4,486 |
| Average earning assets | $114,701,500 | 4,329 |
| Average equity | $17,470,000 | 3,495 |
| Average total loans | $85,175,500 | 4,101 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 4,793 |
| Cost of funding earning assets | 0.7431% | 6,757 |
| Net interest margin | 4.2055% | 2,164 |
| Noninterest income to average assets | 0.4370% | 4,616 |
| Noninterest expense to average assets | 2.3941% | 6,099 |
| Loan and lease loss provision to assets | 0.2531% | 4,768 |
| Net operating income to assets | 1.8095% | 408 |
| Return on assets (ROA) | 1.8728% | 385 |
| Pretax return on assets | 1.8728% | 645 |
| Return on Equity (ROE) | 12.7332% | 1,160 |
| Retained earnings to average equity (ytd only) | 1.2618% | 4,921 |
| Net charge-offs to loans | 0.1617% | 5,368 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 20.3750% | 1,008 |
| Efficiency ratio | 53.7195% | 6,833 |
| Assets per employee ($millions) | 4.0893% | 3,597 |
| Cash dividends to net income (ytd only)* | 90.0901% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 5,441 |
| Loan loss allowance to noncurrent loans | 25.6223% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 3.5838% | 1,920 |
| Noncurrent loans to loans | 4.7421% | 1,465 |
| Net loans and leases to total assets | 69.8600% | 2,568 |
| Net loans and leases to deposits | 82.0340% | 2,796 |
| Net loans and leases to core deposits | 91.1117% | 2,603 |
| Total domestic deposits to total assets | 85.1598% | 3,775 |
| Equity capital to assets | 14.6969% | 862 |
| Core capital (leverage) ratio | 14.4031% | 766 |
| Tier 1 risk-based capital ratio | 18.5098% | 1,841 |
| Total risk-based capital ratio | 19.6002% | 1,857 |
| Memoranda: | ||
| Average total assets | $118,541,800 | 4,507 |
| Average earning assets | $113,304,600 | 4,391 |
| Average equity | $17,434,800 | 3,511 |
| Average total loans | $74,209,200 | 4,517 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8473% | 5,479 |
| Cost of funding earning assets | 0.7649% | 6,867 |
| Net interest margin | 4.0824% | 2,696 |
| Noninterest income to average assets | 0.4623% | 4,471 |
| Noninterest expense to average assets | 2.3723% | 6,108 |
| Loan and lease loss provision to assets | 0.1687% | 5,355 |
| Net operating income to assets | 1.8178% | 478 |
| Return on assets (ROA) | 1.9021% | 448 |
| Pretax return on assets | 1.9021% | 769 |
| Return on Equity (ROE) | 12.9306% | 1,268 |
| Retained earnings to average equity (ytd only) | 1.4605% | 5,217 |
| Net charge-offs to loans | 0.1820% | 4,867 |
| Credit loss provision to net charge-offs | 153.0612% | 2,526 |
| Earnings coverage of net charge-offs (x) | 18.0209% | 1,289 |
| Efficiency ratio | 54.4258% | 6,749 |
| Assets per employee ($millions) | 3.9256% | 3,984 |
| Cash dividends to net income (ytd only)* | 88.7049% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,616 |
| Loan loss allowance to noncurrent loans | 31.1647% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 2.7325% | 2,650 |
| Noncurrent loans to loans | 3.7670% | 2,049 |
| Net loans and leases to total assets | 63.6879% | 4,186 |
| Net loans and leases to deposits | 75.0100% | 4,341 |
| Net loans and leases to core deposits | 83.9027% | 3,950 |
| Total domestic deposits to total assets | 84.9059% | 3,664 |
| Equity capital to assets | 14.8359% | 936 |
| Core capital (leverage) ratio | 14.7053% | 774 |
| Tier 1 risk-based capital ratio | 19.9533% | 1,560 |
| Total risk-based capital ratio | 20.9829% | 1,566 |
| Memoranda: | ||
| Average total assets | $118,529,750 | 4,566 |
| Average earning assets | $113,133,000 | 4,456 |
| Average equity | $17,436,250 | 3,568 |
| Average total loans | $71,795,000 | 4,686 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 5,911 |
| Cost of funding earning assets | 0.7930% | 6,938 |
| Net interest margin | 3.9721% | 3,149 |
| Noninterest income to average assets | 0.4529% | 4,488 |
| Noninterest expense to average assets | 2.3656% | 6,168 |
| Loan and lease loss provision to assets | 0.1684% | 5,194 |
| Net operating income to assets | 1.7056% | 580 |
| Return on assets (ROA) | 1.8319% | 496 |
| Pretax return on assets | 1.8319% | 834 |
| Return on Equity (ROE) | 12.4883% | 1,353 |
| Retained earnings to average equity (ytd only) | 1.0101% | 5,364 |
| Net charge-offs to loans | 0.2045% | 4,389 |
| Credit loss provision to net charge-offs | 138.8889% | 2,889 |
| Earnings coverage of net charge-offs (x) | 15.4583% | 1,457 |
| Efficiency ratio | 55.7983% | 6,661 |
| Assets per employee ($millions) | 3.9266% | 3,918 |
| Cash dividends to net income (ytd only)* | 91.9118% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 5,444 |
| Loan loss allowance to noncurrent loans | 40.0647% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 2.3914% | 3,009 |
| Noncurrent loans to loans | 3.0024% | 2,675 |
| Net loans and leases to total assets | 60.4506% | 4,976 |
| Net loans and leases to deposits | 71.1116% | 5,128 |
| Net loans and leases to core deposits | 79.3813% | 4,763 |
| Total domestic deposits to total assets | 85.0081% | 3,622 |
| Equity capital to assets | 14.7449% | 936 |
| Core capital (leverage) ratio | 14.0007% | 925 |
| Tier 1 risk-based capital ratio | 20.5227% | 1,428 |
| Total risk-based capital ratio | 21.5592% | 1,431 |
| Memoranda: | ||
| Average total assets | $118,783,670 | 4,601 |
| Average earning assets | $113,240,330 | 4,470 |
| Average equity | $17,424,330 | 3,565 |
| Average total loans | $70,428,330 | 4,782 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 6,367 |
| Cost of funding earning assets | 0.8140% | 7,042 |
| Net interest margin | 3.8488% | 3,577 |
| Noninterest income to average assets | 0.4863% | 4,150 |
| Noninterest expense to average assets | 2.3206% | 6,323 |
| Loan and lease loss provision to assets | 0.1677% | 4,858 |
| Net operating income to assets | 1.6768% | 644 |
| Return on assets (ROA) | 1.9316% | 429 |
| Pretax return on assets | 1.9316% | 691 |
| Return on Equity (ROE) | 13.2019% | 1,214 |
| Retained earnings to average equity (ytd only) | 1.6502% | 5,112 |
| Net charge-offs to loans | 0.2529% | 3,432 |
| Credit loss provision to net charge-offs | 113.6364% | 3,053 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,561 |
| Efficiency ratio | 55.7166% | 6,806 |
| Assets per employee ($millions) | 3.9940% | 3,887 |
| Cash dividends to net income (ytd only)* | 87.5000% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 5,552 |
| Loan loss allowance to noncurrent loans | 26.8851% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 2.8293% | 2,565 |
| Noncurrent loans to loans | 4.4284% | 1,697 |
| Net loans and leases to total assets | 58.5291% | 5,342 |
| Net loans and leases to deposits | 69.9660% | 5,346 |
| Net loans and leases to core deposits | 78.3337% | 4,984 |
| Total domestic deposits to total assets | 83.6537% | 4,324 |
| Equity capital to assets | 14.5444% | 987 |
| Core capital (leverage) ratio | 14.2873% | 899 |
| Tier 1 risk-based capital ratio | 20.9592% | 1,348 |
| Total risk-based capital ratio | 21.9919% | 1,360 |
| Memoranda: | ||
| Average total assets | $119,277,000 | 4,649 |
| Average earning assets | $114,008,500 | 4,515 |
| Average equity | $17,452,000 | 3,578 |
| Average total loans | $69,604,500 | 4,877 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 6,702 |
| Cost of funding earning assets | 1.0982% | 6,986 |
| Net interest margin | 3.8071% | 3,674 |
| Noninterest income to average assets | 0.4420% | 4,867 |
| Noninterest expense to average assets | 2.3277% | 6,665 |
| Loan and lease loss provision to assets | 0.1891% | 5,831 |
| Net operating income to assets | 1.5899% | 563 |
| Return on assets (ROA) | 1.7000% | 467 |
| Pretax return on assets | 1.7000% | 778 |
| Return on Equity (ROE) | 11.7015% | 1,234 |
| Retained earnings to average equity (ytd only) | 0.8561% | 4,423 |
| Net charge-offs to loans | 0.1586% | 5,688 |
| Credit loss provision to net charge-offs | 239.3617% | 1,502 |
| Earnings coverage of net charge-offs (x) | 22.5213% | 958 |
| Efficiency ratio | 56.6810% | 6,936 |
| Assets per employee ($millions) | 3.9578% | 3,902 |
| Cash dividends to net income (ytd only)* | 92.6841% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 5,179 |
| Loan loss allowance to noncurrent loans | 72.9565% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 4,913 |
| Noncurrent loans to loans | 1.6854% | 4,121 |
| Net loans and leases to total assets | 56.7617% | 5,862 |
| Net loans and leases to deposits | 66.6917% | 5,979 |
| Net loans and leases to core deposits | 87.9453% | 5,336 |
| Total domestic deposits to total assets | 85.1105% | 3,504 |
| Equity capital to assets | 14.7193% | 970 |
| Core capital (leverage) ratio | 14.3877% | 905 |
| Tier 1 risk-based capital ratio | 21.0838% | 1,275 |
| Total risk-based capital ratio | 22.1196% | 1,285 |
| Memoranda: | ||
| Average total assets | $118,999,800 | 4,605 |
| Average earning assets | $114,547,800 | 4,438 |
| Average equity | $17,288,400 | 3,616 |
| Average total loans | $59,263,000 | 5,284 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 6,874 |
| Cost of funding earning assets | 1.1578% | 7,011 |
| Net interest margin | 3.7475% | 3,874 |
| Noninterest income to average assets | 0.4434% | 4,947 |
| Noninterest expense to average assets | 2.2989% | 6,712 |
| Loan and lease loss provision to assets | 0.1680% | 5,678 |
| Net operating income to assets | 1.5901% | 676 |
| Return on assets (ROA) | 1.6719% | 631 |
| Pretax return on assets | 1.6719% | 1,025 |
| Return on Equity (ROE) | 11.5457% | 1,475 |
| Retained earnings to average equity (ytd only) | 2.8458% | 3,740 |
| Net charge-offs to loans | 0.1473% | 5,227 |
| Credit loss provision to net charge-offs | 238.0952% | 1,837 |
| Earnings coverage of net charge-offs (x) | 24.9200% | 1,072 |
| Efficiency ratio | 56.6657% | 6,913 |
| Assets per employee ($millions) | 3.9200% | 3,891 |
| Cash dividends to net income (ytd only)* | 75.3514% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,943 |
| Loan loss allowance to noncurrent loans | 35.6982% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 1.8937% | 3,518 |
| Noncurrent loans to loans | 3.4519% | 2,166 |
| Net loans and leases to total assets | 54.1841% | 6,362 |
| Net loans and leases to deposits | 64.4245% | 6,459 |
| Net loans and leases to core deposits | 85.4249% | 5,926 |
| Total domestic deposits to total assets | 84.1047% | 3,676 |
| Equity capital to assets | 15.1096% | 973 |
| Core capital (leverage) ratio | 14.7286% | 909 |
| Tier 1 risk-based capital ratio | 21.5174% | 1,287 |
| Total risk-based capital ratio | 22.5064% | 1,313 |
| Memoranda: | ||
| Average total assets | $119,066,000 | 4,624 |
| Average earning assets | $114,810,500 | 4,456 |
| Average equity | $17,241,250 | 3,655 |
| Average total loans | $57,020,000 | 5,429 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 7,165 |
| Cost of funding earning assets | 1.2164% | 7,057 |
| Net interest margin | 3.6162% | 4,301 |
| Noninterest income to average assets | 0.4349% | 4,987 |
| Noninterest expense to average assets | 2.2852% | 6,795 |
| Loan and lease loss provision to assets | 0.2509% | 4,563 |
| Net operating income to assets | 1.3851% | 1,057 |
| Return on assets (ROA) | 1.5073% | 881 |
| Pretax return on assets | 1.5073% | 1,424 |
| Return on Equity (ROE) | 10.5594% | 1,833 |
| Retained earnings to average equity (ytd only) | 1.7697% | 4,354 |
| Net charge-offs to loans | 0.0770% | 5,434 |
| Credit loss provision to net charge-offs | 714.2857% | 666 |
| Earnings coverage of net charge-offs (x) | 46.5714% | 726 |
| Efficiency ratio | 58.2765% | 6,818 |
| Assets per employee ($millions) | 3.9452% | 3,786 |
| Cash dividends to net income (ytd only)* | 83.2408% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 3,627 |
| Loan loss allowance to noncurrent loans | 58.4906% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 4,515 |
| Noncurrent loans to loans | 2.4261% | 2,983 |
| Net loans and leases to total assets | 49.1281% | 6,949 |
| Net loans and leases to deposits | 57.7516% | 7,043 |
| Net loans and leases to core deposits | 75.7790% | 6,689 |
| Total domestic deposits to total assets | 85.0679% | 3,230 |
| Equity capital to assets | 14.6296% | 1,131 |
| Core capital (leverage) ratio | 14.3369% | 1,061 |
| Tier 1 risk-based capital ratio | 20.7849% | 1,432 |
| Total risk-based capital ratio | 21.8035% | 1,436 |
| Memoranda: | ||
| Average total assets | $119,554,330 | 4,645 |
| Average earning assets | $115,260,670 | 4,479 |
| Average equity | $17,065,330 | 3,698 |
| Average total loans | $54,521,330 | 5,575 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 7,173 |
| Cost of funding earning assets | 1.2635% | 7,138 |
| Net interest margin | 3.6386% | 4,144 |
| Noninterest income to average assets | 0.4295% | 4,965 |
| Noninterest expense to average assets | 2.1273% | 7,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8110% | 519 |
| Return on assets (ROA) | 1.8110% | 575 |
| Pretax return on assets | 1.8110% | 958 |
| Return on Equity (ROE) | 12.8450% | 1,430 |
| Retained earnings to average equity (ytd only) | 3.9904% | 3,680 |
| Net charge-offs to loans | -0.0076% | 7,241 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0152% | 7,219 |
| Assets per employee ($millions) | 4.0643% | 3,528 |
| Cash dividends to net income (ytd only)* | 68.9338% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 3,971 |
| Loan loss allowance to noncurrent loans | 55.7828% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 4,533 |
| Noncurrent loans to loans | 2.3636% | 2,788 |
| Net loans and leases to total assets | 45.0214% | 7,260 |
| Net loans and leases to deposits | 52.7538% | 7,357 |
| Net loans and leases to core deposits | 69.9887% | 7,019 |
| Total domestic deposits to total assets | 85.3424% | 3,039 |
| Equity capital to assets | 14.4429% | 1,248 |
| Core capital (leverage) ratio | 14.3481% | 1,121 |
| Tier 1 risk-based capital ratio | 21.4775% | 1,373 |
| Total risk-based capital ratio | 22.3681% | 1,402 |
| Memoranda: | ||
| Average total assets | $120,153,500 | 4,650 |
| Average earning assets | $115,867,500 | 4,483 |
| Average equity | $16,940,500 | 3,741 |
| Average total loans | $52,290,500 | 5,704 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3277% | 7,568 |
| Cost of funding earning assets | 1.7935% | 7,026 |
| Net interest margin | 3.5343% | 5,172 |
| Noninterest income to average assets | 0.4923% | 4,662 |
| Noninterest expense to average assets | 2.1633% | 7,085 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6977% | 681 |
| Return on assets (ROA) | 1.7002% | 645 |
| Pretax return on assets | 1.7002% | 1,143 |
| Return on Equity (ROE) | 11.9984% | 1,596 |
| Retained earnings to average equity (ytd only) | 0.2006% | 5,113 |
| Net charge-offs to loans | 0.0907% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 41.4490% | 887 |
| Efficiency ratio | 56.0294% | 7,007 |
| Assets per employee ($millions) | 3.9498% | 3,623 |
| Cash dividends to net income (ytd only)* | 98.3284% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 3,224 |
| Loan loss allowance to noncurrent loans | 553.9063% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 7,161 |
| Noncurrent loans to loans | 0.2519% | 6,630 |
| Net loans and leases to total assets | 40.9162% | 7,629 |
| Net loans and leases to deposits | 48.9726% | 7,673 |
| Net loans and leases to core deposits | 64.6706% | 7,418 |
| Total domestic deposits to total assets | 83.5491% | 3,556 |
| Equity capital to assets | 13.7680% | 1,510 |
| Core capital (leverage) ratio | 14.1466% | 1,232 |
| Tier 1 risk-based capital ratio | 23.2280% | 1,164 |
| Total risk-based capital ratio | 24.2008% | 1,173 |
| Memoranda: | ||
| Average total assets | $119,634,600 | 4,533 |
| Average earning assets | $114,025,800 | 4,414 |
| Average equity | $16,952,200 | 3,748 |
| Average total loans | $54,035,000 | 5,524 |