Home > The Pecos County State Bank > Performance and Condition Ratios
The Pecos County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 2,142 |
| Cost of funding earning assets | 1.3362% | 2,402 |
| Net interest margin | 3.6292% | 1,905 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.3419% | 2,738 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.6752% | 763 |
| Return on assets (ROA) | 1.6709% | 741 |
| Pretax return on assets | 1.6709% | 1,117 |
| Return on Equity (ROE) | 31.5300% | 159 |
| Retained earnings to average equity (ytd only) | 14.7332% | 344 |
| Net charge-offs to loans | 0.1940% | 555 |
| Credit loss provision to net charge-offs | 88.4956% | 1,962 |
| Earnings coverage of net charge-offs (x) | 24.8009% | 1,748 |
| Efficiency ratio | 56.5079% | 3,442 |
| Assets per employee ($millions) | 5.6035% | 3,158 |
| Cash dividends to net income (ytd only)* | 53.2740% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 954 |
| Loan loss allowance to noncurrent loans | 63.6178% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9049% | 551 |
| Noncurrent loans to loans | 2.4274% | 205 |
| Net loans and leases to total assets | 36.7000% | 4,135 |
| Net loans and leases to deposits | 39.2966% | 4,214 |
| Net loans and leases to core deposits | 42.6216% | 4,236 |
| Total domestic deposits to total assets | 93.4000% | 143 |
| Equity capital to assets | 6.2599% | 4,178 |
| Core capital (leverage) ratio | 10.7569% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4173% | 516 |
| Memoranda: | ||
| Average total assets | $322,640,000 | 2,303 |
| Average earning assets | $301,142,400 | 2,301 |
| Average equity | $17,097,400 | 3,087 |
| Average total loans | $116,481,400 | 2,991 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 2,101 |
| Cost of funding earning assets | 1.2522% | 2,278 |
| Net interest margin | 3.6299% | 1,925 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.3284% | 2,708 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.7111% | 780 |
| Return on assets (ROA) | 1.7053% | 780 |
| Pretax return on assets | 1.7053% | 1,150 |
| Return on Equity (ROE) | 33.7200% | 172 |
| Retained earnings to average equity (ytd only) | 10.2092% | 1,343 |
| Net charge-offs to loans | 0.2509% | 353 |
| Credit loss provision to net charge-offs | 73.7327% | 1,784 |
| Earnings coverage of net charge-offs (x) | 19.7834% | 1,825 |
| Efficiency ratio | 55.8132% | 3,413 |
| Assets per employee ($millions) | 5.4930% | 3,180 |
| Cash dividends to net income (ytd only)* | 69.7257% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 994 |
| Loan loss allowance to noncurrent loans | 1,251.7007% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 3,330 |
| Noncurrent loans to loans | 0.1236% | 2,936 |
| Net loans and leases to total assets | 38.0500% | 4,128 |
| Net loans and leases to deposits | 40.1288% | 4,202 |
| Net loans and leases to core deposits | 43.5087% | 4,184 |
| Total domestic deposits to total assets | 94.8200% | 133 |
| Equity capital to assets | 4.7996% | 4,287 |
| Core capital (leverage) ratio | 10.2929% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $322,049,250 | 2,309 |
| Average earning assets | $301,858,000 | 2,294 |
| Average equity | $16,285,500 | 3,145 |
| Average total loans | $115,312,500 | 3,009 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 2,275 |
| Cost of funding earning assets | 1.1855% | 2,034 |
| Net interest margin | 3.4789% | 2,317 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.2444% | 2,962 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.6570% | 857 |
| Return on assets (ROA) | 1.6484% | 878 |
| Pretax return on assets | 1.6484% | 1,320 |
| Return on Equity (ROE) | 32.0900% | 179 |
| Retained earnings to average equity (ytd only) | 8.5990% | 1,791 |
| Net charge-offs to loans | 0.1016% | 675 |
| Credit loss provision to net charge-offs | 172.4138% | 1,115 |
| Earnings coverage of net charge-offs (x) | 48.4138% | 1,302 |
| Efficiency ratio | 55.7288% | 3,454 |
| Assets per employee ($millions) | 5.7830% | 2,903 |
| Cash dividends to net income (ytd only)* | 73.1997% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 789 |
| Loan loss allowance to noncurrent loans | 1,147.3373% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,260 |
| Noncurrent loans to loans | 0.1460% | 2,734 |
| Net loans and leases to total assets | 35.1300% | 4,206 |
| Net loans and leases to deposits | 37.1700% | 4,275 |
| Net loans and leases to core deposits | 40.0032% | 4,257 |
| Total domestic deposits to total assets | 94.5200% | 120 |
| Equity capital to assets | 5.2330% | 4,339 |
| Core capital (leverage) ratio | 10.0562% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5792% | 667 |
| Memoranda: | ||
| Average total assets | $326,862,333 | 2,291 |
| Average earning assets | $306,530,000 | 2,275 |
| Average equity | $16,792,667 | 3,122 |
| Average total loans | $114,119,333 | 3,017 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 1,867 |
| Cost of funding earning assets | 1.1946% | 1,467 |
| Net interest margin | 3.4982% | 2,371 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.2584% | 2,934 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.5970% | 983 |
| Return on assets (ROA) | 1.5970% | 980 |
| Pretax return on assets | 1.5970% | 1,468 |
| Return on Equity (ROE) | 31.3700% | 209 |
| Retained earnings to average equity (ytd only) | 17.1338% | 582 |
| Net charge-offs to loans | 0.0565% | 807 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 85.6875% | 861 |
| Efficiency ratio | 56.5891% | 3,345 |
| Assets per employee ($millions) | 6.1915% | 2,590 |
| Cash dividends to net income (ytd only)* | 45.3852% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 780 |
| Loan loss allowance to noncurrent loans | 862.6667% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,115 |
| Noncurrent loans to loans | 0.1990% | 2,479 |
| Net loans and leases to total assets | 33.8700% | 4,265 |
| Net loans and leases to deposits | 35.8487% | 4,332 |
| Net loans and leases to core deposits | 38.6010% | 4,303 |
| Total domestic deposits to total assets | 94.4700% | 130 |
| Equity capital to assets | 5.3464% | 4,363 |
| Core capital (leverage) ratio | 9.3561% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $328,370,000 | 2,322 |
| Average earning assets | $308,383,500 | 2,295 |
| Average equity | $16,715,500 | 3,154 |
| Average total loans | $113,318,000 | 3,055 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6249% | 2,724 |
| Cost of funding earning assets | 0.4266% | 1,888 |
| Net interest margin | 3.1983% | 2,869 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.1883% | 3,060 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4335% | 1,040 |
| Return on assets (ROA) | 1.4400% | 990 |
| Pretax return on assets | 1.4400% | 1,660 |
| Return on Equity (ROE) | 23.2100% | 271 |
| Retained earnings to average equity (ytd only) | 11.4412% | 796 |
| Net charge-offs to loans | 0.2935% | 259 |
| Credit loss provision to net charge-offs | 26.8657% | 1,910 |
| Earnings coverage of net charge-offs (x) | 14.1761% | 2,043 |
| Efficiency ratio | 58.9579% | 3,196 |
| Assets per employee ($millions) | 5.6654% | 3,069 |
| Cash dividends to net income (ytd only)* | 50.7051% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 841 |
| Loan loss allowance to noncurrent loans | 471.8905% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 2,566 |
| Noncurrent loans to loans | 0.3540% | 1,877 |
| Net loans and leases to total assets | 33.9800% | 4,286 |
| Net loans and leases to deposits | 35.8101% | 4,346 |
| Net loans and leases to core deposits | 38.5983% | 4,317 |
| Total domestic deposits to total assets | 94.9000% | 151 |
| Equity capital to assets | 4.8349% | 4,399 |
| Core capital (leverage) ratio | 9.6355% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $324,997,600 | 2,324 |
| Average earning assets | $305,914,800 | 2,306 |
| Average equity | $20,164,000 | 2,942 |
| Average total loans | $114,142,200 | 2,987 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 2,889 |
| Cost of funding earning assets | 0.2652% | 2,543 |
| Net interest margin | 3.1445% | 2,790 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.1660% | 3,020 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4193% | 1,034 |
| Return on assets (ROA) | 1.4279% | 984 |
| Pretax return on assets | 1.4279% | 1,637 |
| Return on Equity (ROE) | 21.8000% | 305 |
| Retained earnings to average equity (ytd only) | 6.8947% | 2,405 |
| Net charge-offs to loans | 0.2193% | 311 |
| Credit loss provision to net charge-offs | 18.6170% | 1,632 |
| Earnings coverage of net charge-offs (x) | 18.5372% | 1,755 |
| Efficiency ratio | 59.1543% | 3,227 |
| Assets per employee ($millions) | 5.5311% | 3,183 |
| Cash dividends to net income (ytd only)* | 68.3665% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 786 |
| Loan loss allowance to noncurrent loans | 279.3539% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 1,922 |
| Noncurrent loans to loans | 0.6309% | 1,288 |
| Net loans and leases to total assets | 34.5600% | 4,285 |
| Net loans and leases to deposits | 36.2363% | 4,356 |
| Net loans and leases to core deposits | 39.2781% | 4,301 |
| Total domestic deposits to total assets | 95.3600% | 185 |
| Equity capital to assets | 4.3833% | 4,425 |
| Core capital (leverage) ratio | 9.3636% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2552% | 709 |
| Memoranda: | ||
| Average total assets | $324,099,000 | 2,350 |
| Average earning assets | $305,158,750 | 2,321 |
| Average equity | $21,233,250 | 2,875 |
| Average total loans | $114,287,000 | 2,993 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1600% | 3,166 |
| Cost of funding earning assets | 0.1696% | 3,318 |
| Net interest margin | 2.9904% | 2,910 |
| Noninterest income to average assets | 0.6304% | 1,617 |
| Noninterest expense to average assets | 2.1513% | 2,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3087% | 1,113 |
| Return on assets (ROA) | 1.3094% | 1,093 |
| Pretax return on assets | 1.3094% | 1,718 |
| Return on Equity (ROE) | 18.0243% | 471 |
| Retained earnings to average equity (ytd only) | 3.4372% | 3,296 |
| Net charge-offs to loans | 0.1115% | 541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 1,350 |
| Efficiency ratio | 61.1447% | 3,163 |
| Assets per employee ($millions) | 5.7585% | 2,971 |
| Cash dividends to net income (ytd only)* | 80.9300% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8827% | 689 |
| Loan loss allowance to noncurrent loans | 497.1292% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 2,510 |
| Noncurrent loans to loans | 0.3787% | 2,008 |
| Net loans and leases to total assets | 34.1926% | 4,326 |
| Net loans and leases to deposits | 36.0703% | 4,386 |
| Net loans and leases to core deposits | 39.0162% | 4,351 |
| Total domestic deposits to total assets | 94.7944% | 163 |
| Equity capital to assets | 4.9821% | 4,479 |
| Core capital (leverage) ratio | 9.0190% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1880% | 691 |
| Memoranda: | ||
| Average total assets | $325,197,000 | 2,357 |
| Average earning assets | $307,720,667 | 2,339 |
| Average equity | $23,623,667 | 2,769 |
| Average total loans | $114,767,333 | 3,006 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9355% | 3,437 |
| Cost of funding earning assets | 0.1537% | 3,450 |
| Net interest margin | 2.7818% | 3,193 |
| Noninterest income to average assets | 0.5913% | 1,730 |
| Noninterest expense to average assets | 2.1552% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0733% | 1,609 |
| Return on assets (ROA) | 1.0733% | 1,602 |
| Pretax return on assets | 1.0733% | 2,223 |
| Return on Equity (ROE) | 12.8367% | 1,079 |
| Retained earnings to average equity (ytd only) | 3.4706% | 3,130 |
| Net charge-offs to loans | 0.0103% | 1,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 294.6667% | 325 |
| Efficiency ratio | 65.7014% | 2,801 |
| Assets per employee ($millions) | 6.3346% | 2,519 |
| Cash dividends to net income (ytd only)* | 72.9638% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 819 |
| Loan loss allowance to noncurrent loans | 304.7009% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 2,141 |
| Noncurrent loans to loans | 0.6047% | 1,551 |
| Net loans and leases to total assets | 33.9425% | 4,311 |
| Net loans and leases to deposits | 36.6978% | 4,363 |
| Net loans and leases to core deposits | 39.3095% | 4,327 |
| Total domestic deposits to total assets | 92.4920% | 403 |
| Equity capital to assets | 7.2036% | 4,100 |
| Core capital (leverage) ratio | 8.6678% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9110% | 767 |
| Memoranda: | ||
| Average total assets | $329,438,000 | 2,344 |
| Average earning assets | $312,317,500 | 2,326 |
| Average equity | $27,546,000 | 2,630 |
| Average total loans | $116,965,500 | 2,969 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2787% | 3,274 |
| Cost of funding earning assets | 0.1465% | 4,012 |
| Net interest margin | 3.1322% | 2,798 |
| Noninterest income to average assets | 0.5894% | 2,209 |
| Noninterest expense to average assets | 2.1463% | 3,245 |
| Loan and lease loss provision to assets | 0.0056% | 2,965 |
| Net operating income to assets | 1.3955% | 1,290 |
| Return on assets (ROA) | 1.4717% | 1,135 |
| Pretax return on assets | 1.4717% | 1,810 |
| Return on Equity (ROE) | 15.3545% | 872 |
| Retained earnings to average equity (ytd only) | 8.0762% | 1,509 |
| Net charge-offs to loans | 0.1760% | 551 |
| Credit loss provision to net charge-offs | 8.6957% | 2,309 |
| Earnings coverage of net charge-offs (x) | 21.7729% | 1,813 |
| Efficiency ratio | 59.4514% | 3,231 |
| Assets per employee ($millions) | 5.3857% | 3,375 |
| Cash dividends to net income (ytd only)* | 47.4018% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 834 |
| Loan loss allowance to noncurrent loans | 61.5694% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 441 |
| Noncurrent loans to loans | 2.9524% | 201 |
| Net loans and leases to total assets | 35.8026% | 4,297 |
| Net loans and leases to deposits | 39.7083% | 4,346 |
| Net loans and leases to core deposits | 42.7639% | 4,312 |
| Total domestic deposits to total assets | 90.1640% | 881 |
| Equity capital to assets | 9.5646% | 3,084 |
| Core capital (leverage) ratio | 8.9305% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6325% | 688 |
| Memoranda: | ||
| Average total assets | $321,671,800 | 2,335 |
| Average earning assets | $303,783,200 | 2,315 |
| Average equity | $30,831,400 | 2,484 |
| Average total loans | $117,632,800 | 2,968 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3918% | 3,126 |
| Cost of funding earning assets | 0.1473% | 4,132 |
| Net interest margin | 3.2445% | 2,597 |
| Noninterest income to average assets | 0.5888% | 2,256 |
| Noninterest expense to average assets | 2.1806% | 3,133 |
| Loan and lease loss provision to assets | 0.0034% | 2,904 |
| Net operating income to assets | 1.4669% | 1,343 |
| Return on assets (ROA) | 1.5686% | 1,154 |
| Pretax return on assets | 1.5686% | 1,796 |
| Return on Equity (ROE) | 16.3566% | 876 |
| Retained earnings to average equity (ytd only) | 6.6465% | 2,558 |
| Net charge-offs to loans | 0.1814% | 475 |
| Credit loss provision to net charge-offs | 5.0000% | 2,038 |
| Earnings coverage of net charge-offs (x) | 22.1438% | 1,690 |
| Efficiency ratio | 58.7065% | 3,165 |
| Assets per employee ($millions) | 5.2011% | 3,501 |
| Cash dividends to net income (ytd only)* | 59.3651% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7591% | 1,000 |
| Loan loss allowance to noncurrent loans | 64.9672% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 558 |
| Noncurrent loans to loans | 2.7077% | 261 |
| Net loans and leases to total assets | 38.9947% | 4,252 |
| Net loans and leases to deposits | 43.4664% | 4,330 |
| Net loans and leases to core deposits | 46.6742% | 4,293 |
| Total domestic deposits to total assets | 89.7123% | 913 |
| Equity capital to assets | 10.0252% | 2,876 |
| Core capital (leverage) ratio | 8.7352% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4931% | 749 |
| Memoranda: | ||
| Average total assets | $321,304,500 | 2,362 |
| Average earning assets | $303,229,500 | 2,342 |
| Average equity | $30,812,500 | 2,507 |
| Average total loans | $117,582,250 | 3,013 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5448% | 2,785 |
| Cost of funding earning assets | 0.1476% | 4,222 |
| Net interest margin | 3.3971% | 2,150 |
| Noninterest income to average assets | 0.5709% | 2,334 |
| Noninterest expense to average assets | 2.1499% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6271% | 991 |
| Return on assets (ROA) | 1.7781% | 788 |
| Pretax return on assets | 1.7781% | 1,284 |
| Return on Equity (ROE) | 18.8159% | 557 |
| Retained earnings to average equity (ytd only) | 7.6986% | 2,194 |
| Net charge-offs to loans | 0.2373% | 367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 19.2628% | 1,548 |
| Efficiency ratio | 55.9582% | 3,546 |
| Assets per employee ($millions) | 5.2193% | 3,436 |
| Cash dividends to net income (ytd only)* | 59.0846% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 823 |
| Loan loss allowance to noncurrent loans | 177.3646% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 1,803 |
| Noncurrent loans to loans | 1.0389% | 1,182 |
| Net loans and leases to total assets | 36.7101% | 4,435 |
| Net loans and leases to deposits | 40.6938% | 4,503 |
| Net loans and leases to core deposits | 43.6160% | 4,470 |
| Total domestic deposits to total assets | 90.2107% | 683 |
| Equity capital to assets | 9.6059% | 3,246 |
| Core capital (leverage) ratio | 8.5437% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8051% | 722 |
| Memoranda: | ||
| Average total assets | $324,385,000 | 2,336 |
| Average earning assets | $306,139,000 | 2,313 |
| Average equity | $30,655,000 | 2,503 |
| Average total loans | $115,487,333 | 3,048 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5075% | 2,901 |
| Cost of funding earning assets | 0.1549% | 4,271 |
| Net interest margin | 3.3526% | 2,239 |
| Noninterest income to average assets | 0.5474% | 2,415 |
| Noninterest expense to average assets | 2.0856% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6360% | 1,046 |
| Return on assets (ROA) | 1.9353% | 671 |
| Pretax return on assets | 1.9353% | 1,058 |
| Return on Equity (ROE) | 20.6445% | 493 |
| Retained earnings to average equity (ytd only) | 13.8282% | 775 |
| Net charge-offs to loans | 0.2428% | 347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 19.4058% | 1,264 |
| Efficiency ratio | 55.0886% | 3,655 |
| Assets per employee ($millions) | 5.3905% | 3,233 |
| Cash dividends to net income (ytd only)* | 33.0177% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9701% | 635 |
| Loan loss allowance to noncurrent loans | 195.0000% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 2,102 |
| Noncurrent loans to loans | 1.0103% | 1,323 |
| Net loans and leases to total assets | 34.7993% | 4,556 |
| Net loans and leases to deposits | 38.5211% | 4,610 |
| Net loans and leases to core deposits | 40.9345% | 4,594 |
| Total domestic deposits to total assets | 90.3383% | 650 |
| Equity capital to assets | 9.4749% | 3,227 |
| Core capital (leverage) ratio | 8.1877% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8896% | 686 |
| Memoranda: | ||
| Average total assets | $327,388,500 | 2,304 |
| Average earning assets | $309,965,500 | 2,268 |
| Average equity | $30,691,000 | 2,498 |
| Average total loans | $113,695,500 | 3,079 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 3,809 |
| Cost of funding earning assets | 0.2484% | 4,379 |
| Net interest margin | 3.3545% | 2,915 |
| Noninterest income to average assets | 0.7716% | 1,621 |
| Noninterest expense to average assets | 2.3461% | 3,285 |
| Loan and lease loss provision to assets | 0.3486% | 995 |
| Net operating income to assets | 1.2424% | 1,407 |
| Return on assets (ROA) | 1.4048% | 1,096 |
| Pretax return on assets | 1.4048% | 1,644 |
| Return on Equity (ROE) | 15.0745% | 635 |
| Retained earnings to average equity (ytd only) | 8.3835% | 943 |
| Net charge-offs to loans | 0.2086% | 833 |
| Credit loss provision to net charge-offs | 462.5551% | 1,314 |
| Earnings coverage of net charge-offs (x) | 21.1101% | 1,915 |
| Efficiency ratio | 58.5765% | 3,648 |
| Assets per employee ($millions) | 5.5224% | 2,823 |
| Cash dividends to net income (ytd only)* | 44.3867% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 510 |
| Loan loss allowance to noncurrent loans | 443.3460% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 2,668 |
| Noncurrent loans to loans | 0.4672% | 2,566 |
| Net loans and leases to total assets | 33.2720% | 4,671 |
| Net loans and leases to deposits | 36.8043% | 4,725 |
| Net loans and leases to core deposits | 39.9067% | 4,701 |
| Total domestic deposits to total assets | 90.4025% | 414 |
| Equity capital to assets | 9.2764% | 3,815 |
| Core capital (leverage) ratio | 8.1933% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7676% | 798 |
| Memoranda: | ||
| Average total assets | $301,179,400 | 2,290 |
| Average earning assets | $284,217,600 | 2,264 |
| Average equity | $28,067,200 | 2,596 |
| Average total loans | $108,835,200 | 3,108 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 3,567 |
| Cost of funding earning assets | 0.2830% | 4,378 |
| Net interest margin | 3.5179% | 2,531 |
| Noninterest income to average assets | 0.8509% | 1,349 |
| Noninterest expense to average assets | 2.4197% | 3,080 |
| Loan and lease loss provision to assets | 0.2272% | 1,786 |
| Net operating income to assets | 1.5170% | 877 |
| Return on assets (ROA) | 1.6324% | 743 |
| Pretax return on assets | 1.6324% | 1,096 |
| Return on Equity (ROE) | 17.4936% | 404 |
| Retained earnings to average equity (ytd only) | 8.3551% | 1,190 |
| Net charge-offs to loans | 0.2471% | 617 |
| Credit loss provision to net charge-offs | 250.0000% | 1,922 |
| Earnings coverage of net charge-offs (x) | 19.2050% | 1,943 |
| Efficiency ratio | 57.1320% | 3,779 |
| Assets per employee ($millions) | 5.1247% | 3,089 |
| Cash dividends to net income (ytd only)* | 52.2392% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,168 |
| Loan loss allowance to noncurrent loans | 395.8425% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 2,833 |
| Noncurrent loans to loans | 0.3982% | 2,866 |
| Net loans and leases to total assets | 36.7359% | 4,653 |
| Net loans and leases to deposits | 41.0723% | 4,719 |
| Net loans and leases to core deposits | 44.7099% | 4,693 |
| Total domestic deposits to total assets | 89.4421% | 601 |
| Equity capital to assets | 9.8490% | 3,380 |
| Core capital (leverage) ratio | 8.2137% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7718% | 701 |
| Memoranda: | ||
| Average total assets | $293,638,000 | 2,306 |
| Average earning assets | $276,525,000 | 2,292 |
| Average equity | $27,399,750 | 2,632 |
| Average total loans | $107,899,750 | 3,129 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 4,072 |
| Cost of funding earning assets | 0.3344% | 4,339 |
| Net interest margin | 3.3734% | 3,175 |
| Noninterest income to average assets | 0.6311% | 2,011 |
| Noninterest expense to average assets | 2.4759% | 3,032 |
| Loan and lease loss provision to assets | 0.1384% | 2,630 |
| Net operating income to assets | 1.1861% | 1,681 |
| Return on assets (ROA) | 1.3314% | 1,375 |
| Pretax return on assets | 1.3314% | 1,931 |
| Return on Equity (ROE) | 14.5546% | 783 |
| Retained earnings to average equity (ytd only) | 3.9564% | 2,933 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0568% | 2,818 |
| Assets per employee ($millions) | 5.1504% | 2,994 |
| Cash dividends to net income (ytd only)* | 72.8170% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,277 |
| Loan loss allowance to noncurrent loans | 155.6974% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 2,581 |
| Noncurrent loans to loans | 0.9608% | 1,611 |
| Net loans and leases to total assets | 36.3957% | 4,712 |
| Net loans and leases to deposits | 40.2231% | 4,791 |
| Net loans and leases to core deposits | 43.3814% | 4,764 |
| Total domestic deposits to total assets | 90.4845% | 276 |
| Equity capital to assets | 9.2825% | 3,849 |
| Core capital (leverage) ratio | 8.0013% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5561% | 838 |
| Memoranda: | ||
| Average total assets | $289,022,667 | 2,317 |
| Average earning assets | $271,534,000 | 2,299 |
| Average equity | $26,438,333 | 2,686 |
| Average total loans | $105,611,000 | 3,154 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0710% | 3,601 |
| Cost of funding earning assets | 0.4723% | 4,059 |
| Net interest margin | 3.5988% | 2,667 |
| Noninterest income to average assets | 0.7383% | 1,505 |
| Noninterest expense to average assets | 2.6378% | 2,862 |
| Loan and lease loss provision to assets | 0.0717% | 2,839 |
| Net operating income to assets | 1.3934% | 1,003 |
| Return on assets (ROA) | 1.3934% | 1,082 |
| Pretax return on assets | 1.3934% | 1,584 |
| Return on Equity (ROE) | 15.3585% | 506 |
| Retained earnings to average equity (ytd only) | 6.8418% | 1,597 |
| Net charge-offs to loans | -0.1579% | 4,906 |
| Credit loss provision to net charge-offs | -125.0000% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2425% | 3,336 |
| Assets per employee ($millions) | 4.8228% | 2,848 |
| Cash dividends to net income (ytd only)* | 55.4527% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,112 |
| Loan loss allowance to noncurrent loans | 145.5373% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 2,743 |
| Noncurrent loans to loans | 1.0883% | 1,529 |
| Net loans and leases to total assets | 34.3144% | 4,827 |
| Net loans and leases to deposits | 37.7624% | 4,871 |
| Net loans and leases to core deposits | 39.9567% | 4,875 |
| Total domestic deposits to total assets | 90.8693% | 126 |
| Equity capital to assets | 8.9092% | 4,653 |
| Core capital (leverage) ratio | 8.3550% | 4,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3319% | 826 |
| Memoranda: | ||
| Average total assets | $279,022,500 | 2,329 |
| Average earning assets | $260,868,000 | 2,318 |
| Average equity | $25,315,000 | 2,759 |
| Average total loans | $101,327,000 | 3,206 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 2,896 |
| Cost of funding earning assets | 0.6601% | 3,360 |
| Net interest margin | 3.8529% | 2,322 |
| Noninterest income to average assets | 0.7215% | 1,737 |
| Noninterest expense to average assets | 2.7077% | 2,864 |
| Loan and lease loss provision to assets | 0.0210% | 3,601 |
| Net operating income to assets | 1.5562% | 929 |
| Return on assets (ROA) | 1.5481% | 1,002 |
| Pretax return on assets | 1.5481% | 1,663 |
| Return on Equity (ROE) | 17.9267% | 345 |
| Retained earnings to average equity (ytd only) | 8.6322% | 802 |
| Net charge-offs to loans | 0.0493% | 2,411 |
| Credit loss provision to net charge-offs | 110.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 82.7200% | 772 |
| Efficiency ratio | 62.1340% | 3,354 |
| Assets per employee ($millions) | 4.4780% | 3,257 |
| Cash dividends to net income (ytd only)* | 51.8473% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,279 |
| Loan loss allowance to noncurrent loans | 203.5088% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 3,097 |
| Noncurrent loans to loans | 0.7282% | 2,061 |
| Net loans and leases to total assets | 37.3135% | 4,813 |
| Net loans and leases to deposits | 41.2688% | 4,882 |
| Net loans and leases to core deposits | 43.3944% | 4,886 |
| Total domestic deposits to total assets | 90.4157% | 212 |
| Equity capital to assets | 9.2489% | 4,530 |
| Core capital (leverage) ratio | 8.7018% | 4,721 |
| Tier 1 risk-based capital ratio | 19.6524% | 1,382 |
| Total risk-based capital ratio | 20.9023% | 1,352 |
| Memoranda: | ||
| Average total assets | $262,249,000 | 2,384 |
| Average earning assets | $242,543,200 | 2,386 |
| Average equity | $22,647,800 | 2,899 |
| Average total loans | $101,321,800 | 3,207 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 2,906 |
| Cost of funding earning assets | 0.7053% | 3,190 |
| Net interest margin | 3.8420% | 2,463 |
| Noninterest income to average assets | 0.7187% | 1,706 |
| Noninterest expense to average assets | 2.7051% | 2,861 |
| Loan and lease loss provision to assets | 0.0230% | 3,442 |
| Net operating income to assets | 1.5377% | 1,092 |
| Return on assets (ROA) | 1.5270% | 1,172 |
| Pretax return on assets | 1.5270% | 1,885 |
| Return on Equity (ROE) | 18.0108% | 389 |
| Retained earnings to average equity (ytd only) | 5.3097% | 2,726 |
| Net charge-offs to loans | 0.0580% | 1,995 |
| Credit loss provision to net charge-offs | 102.2727% | 2,207 |
| Earnings coverage of net charge-offs (x) | 69.3353% | 963 |
| Efficiency ratio | 62.3696% | 3,269 |
| Assets per employee ($millions) | 4.2949% | 3,490 |
| Cash dividends to net income (ytd only)* | 70.5194% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,312 |
| Loan loss allowance to noncurrent loans | 173.8728% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 2,962 |
| Noncurrent loans to loans | 0.8499% | 1,883 |
| Net loans and leases to total assets | 38.2753% | 4,866 |
| Net loans and leases to deposits | 42.2339% | 4,952 |
| Net loans and leases to core deposits | 44.8005% | 4,941 |
| Total domestic deposits to total assets | 90.6270% | 147 |
| Equity capital to assets | 9.0795% | 4,739 |
| Core capital (leverage) ratio | 8.6962% | 4,843 |
| Tier 1 risk-based capital ratio | 16.3872% | 2,306 |
| Total risk-based capital ratio | 17.4789% | 2,285 |
| Memoranda: | ||
| Average total assets | $260,641,250 | 2,413 |
| Average earning assets | $240,633,500 | 2,421 |
| Average equity | $22,097,250 | 2,977 |
| Average total loans | $101,211,750 | 3,251 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 2,852 |
| Cost of funding earning assets | 0.7406% | 2,940 |
| Net interest margin | 3.8087% | 2,560 |
| Noninterest income to average assets | 0.7110% | 1,673 |
| Noninterest expense to average assets | 2.6834% | 2,962 |
| Loan and lease loss provision to assets | 0.0192% | 3,405 |
| Net operating income to assets | 1.5266% | 1,070 |
| Return on assets (ROA) | 1.5104% | 1,169 |
| Pretax return on assets | 1.5104% | 1,825 |
| Return on Equity (ROE) | 18.2502% | 369 |
| Retained earnings to average equity (ytd only) | 3.6779% | 3,418 |
| Net charge-offs to loans | 0.0020% | 3,110 |
| Credit loss provision to net charge-offs | 2,500.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 2,011.0000% | 29 |
| Efficiency ratio | 62.3773% | 3,370 |
| Assets per employee ($millions) | 4.1978% | 3,575 |
| Cash dividends to net income (ytd only)* | 79.8473% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,281 |
| Loan loss allowance to noncurrent loans | 157.0988% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 2,423 |
| Noncurrent loans to loans | 0.9547% | 1,712 |
| Net loans and leases to total assets | 39.1640% | 4,875 |
| Net loans and leases to deposits | 43.7214% | 4,956 |
| Net loans and leases to core deposits | 46.9418% | 4,933 |
| Total domestic deposits to total assets | 89.5762% | 460 |
| Equity capital to assets | 9.1144% | 4,729 |
| Core capital (leverage) ratio | 8.3619% | 5,035 |
| Tier 1 risk-based capital ratio | 18.8875% | 1,577 |
| Total risk-based capital ratio | 20.1392% | 1,547 |
| Memoranda: | ||
| Average total assets | $260,193,000 | 2,419 |
| Average earning assets | $240,344,670 | 2,432 |
| Average equity | $21,534,000 | 3,015 |
| Average total loans | $101,022,330 | 3,273 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 3,130 |
| Cost of funding earning assets | 0.7543% | 2,773 |
| Net interest margin | 3.6709% | 3,004 |
| Noninterest income to average assets | 0.6864% | 1,661 |
| Noninterest expense to average assets | 2.5624% | 3,328 |
| Loan and lease loss provision to assets | 0.0229% | 3,136 |
| Net operating income to assets | 1.5008% | 1,114 |
| Return on assets (ROA) | 1.5008% | 1,145 |
| Pretax return on assets | 1.5008% | 1,765 |
| Return on Equity (ROE) | 19.0776% | 326 |
| Retained earnings to average equity (ytd only) | 9.1317% | 1,273 |
| Net charge-offs to loans | -0.0517% | 4,840 |
| Credit loss provision to net charge-offs | -115.3846% | 3,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6275% | 3,589 |
| Assets per employee ($millions) | 4.4518% | 3,253 |
| Cash dividends to net income (ytd only)* | 52.1341% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,191 |
| Loan loss allowance to noncurrent loans | 736.0577% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 3,039 |
| Noncurrent loans to loans | 0.2101% | 3,834 |
| Net loans and leases to total assets | 36.4851% | 5,000 |
| Net loans and leases to deposits | 39.7474% | 5,081 |
| Net loans and leases to core deposits | 43.0950% | 5,060 |
| Total domestic deposits to total assets | 91.7925% | 72 |
| Equity capital to assets | 8.0409% | 5,169 |
| Core capital (leverage) ratio | 8.2660% | 5,115 |
| Tier 1 risk-based capital ratio | 19.1164% | 1,524 |
| Total risk-based capital ratio | 20.3686% | 1,495 |
| Memoranda: | ||
| Average total assets | $262,256,000 | 2,426 |
| Average earning assets | $242,881,500 | 2,428 |
| Average equity | $20,631,500 | 3,101 |
| Average total loans | $100,627,000 | 3,320 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 3,143 |
| Cost of funding earning assets | 0.6589% | 2,331 |
| Net interest margin | 3.6332% | 3,270 |
| Noninterest income to average assets | 0.7527% | 1,632 |
| Noninterest expense to average assets | 2.7073% | 2,999 |
| Loan and lease loss provision to assets | 0.0409% | 3,375 |
| Net operating income to assets | 1.3686% | 1,537 |
| Return on assets (ROA) | 1.3686% | 1,526 |
| Pretax return on assets | 1.3686% | 2,242 |
| Return on Equity (ROE) | 17.6633% | 424 |
| Retained earnings to average equity (ytd only) | 6.2394% | 2,071 |
| Net charge-offs to loans | 0.1401% | 1,359 |
| Credit loss provision to net charge-offs | 70.4225% | 2,983 |
| Earnings coverage of net charge-offs (x) | 24.2887% | 1,821 |
| Efficiency ratio | 64.5821% | 3,101 |
| Assets per employee ($millions) | 4.3628% | 3,362 |
| Cash dividends to net income (ytd only)* | 64.6760% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,383 |
| Loan loss allowance to noncurrent loans | 982.3529% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 3,065 |
| Noncurrent loans to loans | 0.1496% | 4,075 |
| Net loans and leases to total assets | 39.1468% | 4,974 |
| Net loans and leases to deposits | 42.5293% | 5,065 |
| Net loans and leases to core deposits | 46.8969% | 5,008 |
| Total domestic deposits to total assets | 92.0467% | 67 |
| Equity capital to assets | 7.6864% | 5,248 |
| Core capital (leverage) ratio | 8.5430% | 5,005 |
| Tier 1 risk-based capital ratio | 18.7035% | 1,569 |
| Total risk-based capital ratio | 19.9545% | 1,529 |
| Memoranda: | ||
| Average total assets | $244,704,600 | 2,508 |
| Average earning assets | $226,577,600 | 2,508 |
| Average equity | $18,960,200 | 3,190 |
| Average total loans | $101,355,000 | 3,270 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,138 |
| Cost of funding earning assets | 0.6392% | 2,213 |
| Net interest margin | 3.6140% | 3,319 |
| Noninterest income to average assets | 0.7557% | 1,652 |
| Noninterest expense to average assets | 2.7259% | 2,895 |
| Loan and lease loss provision to assets | 0.0442% | 3,108 |
| Net operating income to assets | 1.3315% | 1,735 |
| Return on assets (ROA) | 1.3315% | 1,745 |
| Pretax return on assets | 1.3315% | 2,496 |
| Return on Equity (ROE) | 17.1479% | 529 |
| Retained earnings to average equity (ytd only) | 3.7253% | 3,907 |
| Net charge-offs to loans | 0.1068% | 1,418 |
| Credit loss provision to net charge-offs | 98.7654% | 2,311 |
| Earnings coverage of net charge-offs (x) | 30.7646% | 1,581 |
| Efficiency ratio | 65.2624% | 2,995 |
| Assets per employee ($millions) | 4.4128% | 3,253 |
| Cash dividends to net income (ytd only)* | 78.2753% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,381 |
| Loan loss allowance to noncurrent loans | 124.9191% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 2,046 |
| Noncurrent loans to loans | 1.1928% | 1,420 |
| Net loans and leases to total assets | 42.0589% | 4,958 |
| Net loans and leases to deposits | 45.5954% | 5,066 |
| Net loans and leases to core deposits | 50.3641% | 5,011 |
| Total domestic deposits to total assets | 92.2437% | 70 |
| Equity capital to assets | 7.4848% | 5,310 |
| Core capital (leverage) ratio | 8.5806% | 5,049 |
| Tier 1 risk-based capital ratio | 18.6795% | 1,620 |
| Total risk-based capital ratio | 19.9307% | 1,580 |
| Memoranda: | ||
| Average total assets | $241,530,000 | 2,544 |
| Average earning assets | $223,607,500 | 2,545 |
| Average equity | $18,754,000 | 3,229 |
| Average total loans | $101,126,750 | 3,308 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 3,120 |
| Cost of funding earning assets | 0.6055% | 2,190 |
| Net interest margin | 3.5911% | 3,357 |
| Noninterest income to average assets | 0.7780% | 1,544 |
| Noninterest expense to average assets | 2.6947% | 3,032 |
| Loan and lease loss provision to assets | 0.0539% | 2,836 |
| Net operating income to assets | 1.3544% | 1,589 |
| Return on assets (ROA) | 1.3544% | 1,596 |
| Pretax return on assets | 1.3544% | 2,310 |
| Return on Equity (ROE) | 17.2348% | 498 |
| Retained earnings to average equity (ytd only) | 2.4802% | 4,269 |
| Net charge-offs to loans | 0.1356% | 1,108 |
| Credit loss provision to net charge-offs | 95.5882% | 2,113 |
| Earnings coverage of net charge-offs (x) | 24.9706% | 1,655 |
| Efficiency ratio | 64.4835% | 3,249 |
| Assets per employee ($millions) | 4.0187% | 3,864 |
| Cash dividends to net income (ytd only)* | 85.6093% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,284 |
| Loan loss allowance to noncurrent loans | 192.7500% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 1,987 |
| Noncurrent loans to loans | 0.7961% | 2,142 |
| Net loans and leases to total assets | 40.3632% | 5,045 |
| Net loans and leases to deposits | 43.7143% | 5,150 |
| Net loans and leases to core deposits | 47.6984% | 5,107 |
| Total domestic deposits to total assets | 92.3341% | 61 |
| Equity capital to assets | 7.4439% | 5,388 |
| Core capital (leverage) ratio | 8.5890% | 5,052 |
| Tier 1 risk-based capital ratio | 18.3959% | 1,698 |
| Total risk-based capital ratio | 19.6472% | 1,661 |
| Memoranda: | ||
| Average total assets | $241,138,330 | 2,554 |
| Average earning assets | $223,272,330 | 2,564 |
| Average equity | $18,950,000 | 3,226 |
| Average total loans | $100,294,670 | 3,337 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 3,160 |
| Cost of funding earning assets | 0.5681% | 2,262 |
| Net interest margin | 3.5527% | 3,332 |
| Noninterest income to average assets | 0.7477% | 1,633 |
| Noninterest expense to average assets | 2.6930% | 3,065 |
| Loan and lease loss provision to assets | 0.0669% | 2,435 |
| Net operating income to assets | 1.2829% | 1,707 |
| Return on assets (ROA) | 1.2829% | 1,711 |
| Pretax return on assets | 1.2829% | 2,432 |
| Return on Equity (ROE) | 15.8955% | 638 |
| Retained earnings to average equity (ytd only) | 7.0877% | 2,245 |
| Net charge-offs to loans | 0.1876% | 781 |
| Credit loss provision to net charge-offs | 85.1064% | 1,697 |
| Earnings coverage of net charge-offs (x) | 17.1702% | 1,593 |
| Efficiency ratio | 65.3703% | 3,267 |
| Assets per employee ($millions) | 4.0329% | 3,923 |
| Cash dividends to net income (ytd only)* | 55.4107% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 1,422 |
| Loan loss allowance to noncurrent loans | 635.5372% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 2,757 |
| Noncurrent loans to loans | 0.2378% | 3,921 |
| Net loans and leases to total assets | 41.4166% | 5,003 |
| Net loans and leases to deposits | 44.9720% | 5,130 |
| Net loans and leases to core deposits | 48.6750% | 5,082 |
| Total domestic deposits to total assets | 92.0942% | 98 |
| Equity capital to assets | 7.7319% | 5,354 |
| Core capital (leverage) ratio | 8.5430% | 5,116 |
| Tier 1 risk-based capital ratio | 18.3228% | 1,739 |
| Total risk-based capital ratio | 19.5742% | 1,706 |
| Memoranda: | ||
| Average total assets | $239,138,000 | 2,592 |
| Average earning assets | $221,802,000 | 2,597 |
| Average equity | $19,301,000 | 3,222 |
| Average total loans | $100,198,000 | 3,357 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 2,954 |
| Cost of funding earning assets | 0.3667% | 3,548 |
| Net interest margin | 3.7628% | 2,553 |
| Noninterest income to average assets | 0.7729% | 1,681 |
| Noninterest expense to average assets | 2.8248% | 2,691 |
| Loan and lease loss provision to assets | 0.1031% | 2,165 |
| Net operating income to assets | 1.3472% | 1,122 |
| Return on assets (ROA) | 1.3472% | 1,146 |
| Pretax return on assets | 1.3472% | 2,182 |
| Return on Equity (ROE) | 15.6575% | 520 |
| Retained earnings to average equity (ytd only) | 7.1505% | 1,020 |
| Net charge-offs to loans | 0.0368% | 3,054 |
| Credit loss provision to net charge-offs | 632.4324% | 508 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 705 |
| Efficiency ratio | 64.8398% | 3,474 |
| Assets per employee ($millions) | 3.8738% | 4,154 |
| Cash dividends to net income (ytd only)* | 54.3315% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 1,224 |
| Loan loss allowance to noncurrent loans | 445.2450% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 2,656 |
| Noncurrent loans to loans | 0.3518% | 3,501 |
| Net loans and leases to total assets | 41.0896% | 5,095 |
| Net loans and leases to deposits | 45.0033% | 5,216 |
| Net loans and leases to core deposits | 48.6892% | 5,174 |
| Total domestic deposits to total assets | 91.3035% | 175 |
| Equity capital to assets | 8.4184% | 5,178 |
| Core capital (leverage) ratio | 8.6310% | 5,011 |
| Tier 1 risk-based capital ratio | 18.1657% | 1,759 |
| Total risk-based capital ratio | 19.4184% | 1,707 |
| Memoranda: | ||
| Average total assets | $227,056,400 | 2,658 |
| Average earning assets | $211,330,400 | 2,648 |
| Average equity | $19,537,000 | 3,196 |
| Average total loans | $100,540,000 | 3,339 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 2,878 |
| Cost of funding earning assets | 0.3298% | 3,847 |
| Net interest margin | 3.7996% | 2,406 |
| Noninterest income to average assets | 0.7956% | 1,610 |
| Noninterest expense to average assets | 2.8518% | 2,559 |
| Loan and lease loss provision to assets | 0.1210% | 1,789 |
| Net operating income to assets | 1.3633% | 1,176 |
| Return on assets (ROA) | 1.3633% | 1,189 |
| Pretax return on assets | 1.3633% | 2,235 |
| Return on Equity (ROE) | 15.7544% | 553 |
| Retained earnings to average equity (ytd only) | 4.3602% | 3,308 |
| Net charge-offs to loans | 0.0356% | 2,721 |
| Credit loss provision to net charge-offs | 755.5556% | 455 |
| Earnings coverage of net charge-offs (x) | 92.6644% | 726 |
| Efficiency ratio | 64.5506% | 3,444 |
| Assets per employee ($millions) | 3.7792% | 4,328 |
| Cash dividends to net income (ytd only)* | 72.3237% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,412 |
| Loan loss allowance to noncurrent loans | 163.8024% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 2,029 |
| Noncurrent loans to loans | 0.9363% | 2,050 |
| Net loans and leases to total assets | 43.1781% | 5,068 |
| Net loans and leases to deposits | 47.4940% | 5,207 |
| Net loans and leases to core deposits | 51.3743% | 5,158 |
| Total domestic deposits to total assets | 90.9129% | 204 |
| Equity capital to assets | 8.8053% | 5,078 |
| Core capital (leverage) ratio | 8.6116% | 5,146 |
| Tier 1 risk-based capital ratio | 17.7678% | 1,921 |
| Total risk-based capital ratio | 19.0209% | 1,868 |
| Memoranda: | ||
| Average total assets | $224,744,750 | 2,707 |
| Average earning assets | $209,422,000 | 2,688 |
| Average equity | $19,448,000 | 3,227 |
| Average total loans | $101,014,750 | 3,365 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 2,854 |
| Cost of funding earning assets | 0.2915% | 4,169 |
| Net interest margin | 3.8007% | 2,283 |
| Noninterest income to average assets | 0.8042% | 1,558 |
| Noninterest expense to average assets | 2.8660% | 2,524 |
| Loan and lease loss provision to assets | 0.1339% | 1,554 |
| Net operating income to assets | 1.3424% | 1,193 |
| Return on assets (ROA) | 1.3424% | 1,217 |
| Pretax return on assets | 1.3424% | 2,237 |
| Return on Equity (ROE) | 15.6054% | 583 |
| Retained earnings to average equity (ytd only) | 3.1750% | 3,823 |
| Net charge-offs to loans | 0.0473% | 2,269 |
| Credit loss provision to net charge-offs | 625.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 68.9167% | 848 |
| Efficiency ratio | 64.7893% | 3,537 |
| Assets per employee ($millions) | 3.7333% | 4,382 |
| Cash dividends to net income (ytd only)* | 79.6543% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 1,692 |
| Loan loss allowance to noncurrent loans | 132.3160% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 1,905 |
| Noncurrent loans to loans | 1.1096% | 1,767 |
| Net loans and leases to total assets | 43.4375% | 5,069 |
| Net loans and leases to deposits | 48.3013% | 5,203 |
| Net loans and leases to core deposits | 52.1441% | 5,140 |
| Total domestic deposits to total assets | 89.9304% | 560 |
| Equity capital to assets | 8.6794% | 5,166 |
| Core capital (leverage) ratio | 8.3943% | 5,285 |
| Tier 1 risk-based capital ratio | 16.9947% | 2,156 |
| Total risk-based capital ratio | 18.2459% | 2,110 |
| Memoranda: | ||
| Average total assets | $224,076,670 | 2,729 |
| Average earning assets | $208,594,330 | 2,716 |
| Average equity | $19,275,330 | 3,247 |
| Average total loans | $101,542,670 | 3,366 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1222% | 2,575 |
| Cost of funding earning assets | 0.2648% | 4,409 |
| Net interest margin | 3.8574% | 1,928 |
| Noninterest income to average assets | 0.7775% | 1,631 |
| Noninterest expense to average assets | 2.9625% | 2,266 |
| Loan and lease loss provision to assets | 0.1620% | 1,111 |
| Net operating income to assets | 1.2455% | 1,390 |
| Return on assets (ROA) | 1.2455% | 1,427 |
| Pretax return on assets | 1.2455% | 2,429 |
| Return on Equity (ROE) | 14.5455% | 716 |
| Retained earnings to average equity (ytd only) | 6.7683% | 1,945 |
| Net charge-offs to loans | 0.0431% | 1,974 |
| Credit loss provision to net charge-offs | 818.1818% | 381 |
| Earnings coverage of net charge-offs (x) | 71.0909% | 715 |
| Efficiency ratio | 66.5568% | 3,402 |
| Assets per employee ($millions) | 3.8651% | 4,240 |
| Cash dividends to net income (ytd only)* | 53.4682% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 1,910 |
| Loan loss allowance to noncurrent loans | 2,162.1212% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 3,354 |
| Noncurrent loans to loans | 0.0666% | 4,932 |
| Net loans and leases to total assets | 42.8628% | 5,114 |
| Net loans and leases to deposits | 46.8812% | 5,273 |
| Net loans and leases to core deposits | 50.5715% | 5,198 |
| Total domestic deposits to total assets | 91.4287% | 191 |
| Equity capital to assets | 8.4468% | 5,276 |
| Core capital (leverage) ratio | 8.4549% | 5,259 |
| Tier 1 risk-based capital ratio | 17.1462% | 2,133 |
| Total risk-based capital ratio | 18.3969% | 2,086 |
| Memoranda: | ||
| Average total assets | $222,248,000 | 2,772 |
| Average earning assets | $206,978,000 | 2,757 |
| Average equity | $19,030,000 | 3,286 |
| Average total loans | $102,116,000 | 3,381 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 2,964 |
| Cost of funding earning assets | 0.2333% | 4,711 |
| Net interest margin | 3.8338% | 2,192 |
| Noninterest income to average assets | 0.7884% | 1,792 |
| Noninterest expense to average assets | 2.8920% | 2,699 |
| Loan and lease loss provision to assets | 0.3259% | 553 |
| Net operating income to assets | 1.1264% | 1,792 |
| Return on assets (ROA) | 1.2333% | 1,488 |
| Pretax return on assets | 1.2333% | 2,538 |
| Return on Equity (ROE) | 14.1241% | 754 |
| Retained earnings to average equity (ytd only) | 6.2774% | 1,572 |
| Net charge-offs to loans | 0.6179% | 370 |
| Credit loss provision to net charge-offs | 119.5041% | 2,221 |
| Earnings coverage of net charge-offs (x) | 5.3256% | 3,359 |
| Efficiency ratio | 65.3248% | 3,704 |
| Assets per employee ($millions) | 3.5485% | 4,680 |
| Cash dividends to net income (ytd only)* | 55.5556% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 2,637 |
| Loan loss allowance to noncurrent loans | 2,450.9091% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 3,334 |
| Noncurrent loans to loans | 0.0524% | 5,035 |
| Net loans and leases to total assets | 47.9139% | 4,905 |
| Net loans and leases to deposits | 52.5885% | 5,086 |
| Net loans and leases to core deposits | 57.0080% | 5,012 |
| Total domestic deposits to total assets | 91.1109% | 245 |
| Equity capital to assets | 8.6844% | 5,120 |
| Core capital (leverage) ratio | 8.6731% | 5,105 |
| Tier 1 risk-based capital ratio | 16.6622% | 2,285 |
| Total risk-based capital ratio | 17.8578% | 2,248 |
| Memoranda: | ||
| Average total assets | $221,850,400 | 2,743 |
| Average earning assets | $205,775,400 | 2,731 |
| Average equity | $19,371,200 | 3,230 |
| Average total loans | $97,914,000 | 3,425 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 3,142 |
| Cost of funding earning assets | 0.2345% | 4,758 |
| Net interest margin | 3.7866% | 2,382 |
| Noninterest income to average assets | 0.9361% | 1,291 |
| Noninterest expense to average assets | 2.8291% | 2,909 |
| Loan and lease loss provision to assets | 0.3554% | 448 |
| Net operating income to assets | 1.2622% | 1,409 |
| Return on assets (ROA) | 1.2622% | 1,507 |
| Pretax return on assets | 1.2622% | 2,566 |
| Return on Equity (ROE) | 14.4368% | 750 |
| Retained earnings to average equity (ytd only) | 4.0516% | 3,418 |
| Net charge-offs to loans | 0.7726% | 237 |
| Credit loss provision to net charge-offs | 106.8223% | 2,255 |
| Earnings coverage of net charge-offs (x) | 4.8618% | 3,213 |
| Efficiency ratio | 62.4127% | 4,158 |
| Assets per employee ($millions) | 3.4462% | 4,845 |
| Cash dividends to net income (ytd only)* | 71.9359% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 2,745 |
| Loan loss allowance to noncurrent loans | 113.9263% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 1,984 |
| Noncurrent loans to loans | 1.1320% | 1,989 |
| Net loans and leases to total assets | 46.1676% | 5,086 |
| Net loans and leases to deposits | 51.1123% | 5,249 |
| Net loans and leases to core deposits | 55.6040% | 5,166 |
| Total domestic deposits to total assets | 90.3259% | 369 |
| Equity capital to assets | 9.4876% | 4,671 |
| Core capital (leverage) ratio | 8.4349% | 5,409 |
| Tier 1 risk-based capital ratio | 16.7727% | 2,313 |
| Total risk-based capital ratio | 17.9456% | 2,282 |
| Memoranda: | ||
| Average total assets | $223,198,750 | 2,735 |
| Average earning assets | $206,934,250 | 2,730 |
| Average equity | $19,514,500 | 3,236 |
| Average total loans | $96,127,250 | 3,473 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,361 |
| Cost of funding earning assets | 0.2377% | 4,777 |
| Net interest margin | 3.7292% | 2,583 |
| Noninterest income to average assets | 0.7999% | 1,715 |
| Noninterest expense to average assets | 2.6793% | 3,456 |
| Loan and lease loss provision to assets | 0.2962% | 613 |
| Net operating income to assets | 1.2860% | 1,316 |
| Return on assets (ROA) | 1.2860% | 1,426 |
| Pretax return on assets | 1.2860% | 2,461 |
| Return on Equity (ROE) | 15.1051% | 657 |
| Retained earnings to average equity (ytd only) | 3.5930% | 3,603 |
| Net charge-offs to loans | 0.8218% | 241 |
| Credit loss provision to net charge-offs | 85.9694% | 2,296 |
| Earnings coverage of net charge-offs (x) | 4.5918% | 2,972 |
| Efficiency ratio | 61.6337% | 4,400 |
| Assets per employee ($millions) | 3.7094% | 4,425 |
| Cash dividends to net income (ytd only)* | 76.2133% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 3,331 |
| Loan loss allowance to noncurrent loans | 160.0817% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8106% | 2,561 |
| Noncurrent loans to loans | 0.7525% | 2,866 |
| Net loans and leases to total assets | 43.2994% | 5,270 |
| Net loans and leases to deposits | 47.8386% | 5,423 |
| Net loans and leases to core deposits | 51.6865% | 5,369 |
| Total domestic deposits to total assets | 90.5114% | 316 |
| Equity capital to assets | 9.0173% | 5,223 |
| Core capital (leverage) ratio | 7.8924% | 5,784 |
| Tier 1 risk-based capital ratio | 16.2804% | 2,513 |
| Total risk-based capital ratio | 17.3516% | 2,535 |
| Memoranda: | ||
| Average total assets | $227,524,670 | 2,703 |
| Average earning assets | $211,200,670 | 2,705 |
| Average equity | $19,371,000 | 3,258 |
| Average total loans | $95,395,670 | 3,497 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 3,827 |
| Cost of funding earning assets | 0.2387% | 4,821 |
| Net interest margin | 3.5968% | 3,091 |
| Noninterest income to average assets | 0.7652% | 1,754 |
| Noninterest expense to average assets | 2.5982% | 3,755 |
| Loan and lease loss provision to assets | 0.2000% | 980 |
| Net operating income to assets | 1.3217% | 1,206 |
| Return on assets (ROA) | 1.3217% | 1,287 |
| Pretax return on assets | 1.3217% | 2,212 |
| Return on Equity (ROE) | 15.9815% | 537 |
| Retained earnings to average equity (ytd only) | 8.4113% | 1,294 |
| Net charge-offs to loans | -0.0127% | 4,635 |
| Credit loss provision to net charge-offs | -3,833.3333% | 4,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7982% | 4,476 |
| Assets per employee ($millions) | 3.9476% | 4,050 |
| Cash dividends to net income (ytd only)* | 47.3684% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 2,425 |
| Loan loss allowance to noncurrent loans | 60.8578% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 2,289 |
| Noncurrent loans to loans | 2.3001% | 873 |
| Net loans and leases to total assets | 40.7691% | 5,415 |
| Net loans and leases to deposits | 44.5726% | 5,568 |
| Net loans and leases to core deposits | 47.7125% | 5,520 |
| Total domestic deposits to total assets | 91.4666% | 165 |
| Equity capital to assets | 8.4403% | 5,608 |
| Core capital (leverage) ratio | 7.6095% | 5,900 |
| Tier 1 risk-based capital ratio | 16.0757% | 2,642 |
| Total risk-based capital ratio | 17.2876% | 2,615 |
| Memoranda: | ||
| Average total assets | $230,006,000 | 2,692 |
| Average earning assets | $214,523,000 | 2,681 |
| Average equity | $19,022,000 | 3,302 |
| Average total loans | $94,322,000 | 3,528 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 3,992 |
| Cost of funding earning assets | 0.2065% | 5,225 |
| Net interest margin | 3.6114% | 3,089 |
| Noninterest income to average assets | 0.8247% | 1,694 |
| Noninterest expense to average assets | 2.9469% | 2,711 |
| Loan and lease loss provision to assets | 0.0883% | 2,532 |
| Net operating income to assets | 1.1059% | 1,900 |
| Return on assets (ROA) | 1.1059% | 1,963 |
| Pretax return on assets | 1.1059% | 3,024 |
| Return on Equity (ROE) | 12.9606% | 1,070 |
| Retained earnings to average equity (ytd only) | 4.0642% | 3,117 |
| Net charge-offs to loans | 0.1900% | 1,525 |
| Credit loss provision to net charge-offs | 112.4260% | 2,254 |
| Earnings coverage of net charge-offs (x) | 15.2012% | 2,219 |
| Efficiency ratio | 69.8249% | 3,249 |
| Assets per employee ($millions) | 3.7851% | 4,314 |
| Cash dividends to net income (ytd only)* | 68.6423% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,748 |
| Loan loss allowance to noncurrent loans | 72.4808% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 2,763 |
| Noncurrent loans to loans | 1.8377% | 1,178 |
| Net loans and leases to total assets | 40.1189% | 5,503 |
| Net loans and leases to deposits | 43.7418% | 5,659 |
| Net loans and leases to core deposits | 46.4649% | 5,631 |
| Total domestic deposits to total assets | 91.7175% | 144 |
| Equity capital to assets | 8.0958% | 5,812 |
| Core capital (leverage) ratio | 7.8315% | 5,897 |
| Tier 1 risk-based capital ratio | 16.2687% | 2,577 |
| Total risk-based capital ratio | 17.4154% | 2,571 |
| Memoranda: | ||
| Average total assets | $215,109,600 | 2,786 |
| Average earning assets | $197,542,000 | 2,807 |
| Average equity | $18,355,600 | 3,335 |
| Average total loans | $88,965,000 | 3,609 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 3,902 |
| Cost of funding earning assets | 0.2042% | 5,343 |
| Net interest margin | 3.6537% | 2,943 |
| Noninterest income to average assets | 0.8542% | 1,603 |
| Noninterest expense to average assets | 2.9996% | 2,529 |
| Loan and lease loss provision to assets | 0.0786% | 2,602 |
| Net operating income to assets | 1.1170% | 1,935 |
| Return on assets (ROA) | 1.1170% | 2,010 |
| Pretax return on assets | 1.1170% | 3,152 |
| Return on Equity (ROE) | 12.9130% | 1,142 |
| Retained earnings to average equity (ytd only) | 1.0464% | 5,300 |
| Net charge-offs to loans | 0.1044% | 2,089 |
| Credit loss provision to net charge-offs | 181.1594% | 1,459 |
| Earnings coverage of net charge-offs (x) | 27.5646% | 1,577 |
| Efficiency ratio | 70.1678% | 3,181 |
| Assets per employee ($millions) | 3.6916% | 4,462 |
| Cash dividends to net income (ytd only)* | 91.8967% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 2,606 |
| Loan loss allowance to noncurrent loans | 69.6970% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 2,709 |
| Noncurrent loans to loans | 2.0073% | 1,152 |
| Net loans and leases to total assets | 41.6396% | 5,506 |
| Net loans and leases to deposits | 45.6760% | 5,665 |
| Net loans and leases to core deposits | 48.5872% | 5,631 |
| Total domestic deposits to total assets | 91.1630% | 213 |
| Equity capital to assets | 8.6511% | 5,609 |
| Core capital (leverage) ratio | 7.9600% | 5,925 |
| Tier 1 risk-based capital ratio | 16.1268% | 2,742 |
| Total risk-based capital ratio | 17.3398% | 2,714 |
| Memoranda: | ||
| Average total assets | $212,110,750 | 2,841 |
| Average earning assets | $193,953,250 | 2,872 |
| Average equity | $18,348,000 | 3,363 |
| Average total loans | $88,120,750 | 3,665 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 3,844 |
| Cost of funding earning assets | 0.2052% | 5,393 |
| Net interest margin | 3.6499% | 2,907 |
| Noninterest income to average assets | 0.8551% | 1,590 |
| Noninterest expense to average assets | 2.8329% | 3,125 |
| Loan and lease loss provision to assets | 0.0709% | 2,694 |
| Net operating income to assets | 1.2987% | 1,326 |
| Return on assets (ROA) | 1.2987% | 1,387 |
| Pretax return on assets | 1.2987% | 2,367 |
| Return on Equity (ROE) | 15.0139% | 729 |
| Retained earnings to average equity (ytd only) | 0.3390% | 5,405 |
| Net charge-offs to loans | 0.1259% | 1,748 |
| Credit loss provision to net charge-offs | 136.3636% | 1,636 |
| Earnings coverage of net charge-offs (x) | 26.3273% | 1,490 |
| Efficiency ratio | 66.0815% | 3,992 |
| Assets per employee ($millions) | 3.4926% | 4,808 |
| Cash dividends to net income (ytd only)* | 97.7422% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,877 |
| Loan loss allowance to noncurrent loans | 166.0811% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 4,427 |
| Noncurrent loans to loans | 0.8277% | 3,055 |
| Net loans and leases to total assets | 41.3873% | 5,543 |
| Net loans and leases to deposits | 45.3090% | 5,710 |
| Net loans and leases to core deposits | 48.6966% | 5,665 |
| Total domestic deposits to total assets | 91.3446% | 223 |
| Equity capital to assets | 8.5000% | 5,686 |
| Core capital (leverage) ratio | 7.7680% | 6,026 |
| Tier 1 risk-based capital ratio | 16.5901% | 2,572 |
| Total risk-based capital ratio | 17.8127% | 2,535 |
| Memoranda: | ||
| Average total assets | $211,444,000 | 2,869 |
| Average earning assets | $193,925,330 | 2,888 |
| Average equity | $18,289,670 | 3,383 |
| Average total loans | $87,354,330 | 3,703 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8936% | 3,653 |
| Cost of funding earning assets | 0.2101% | 5,418 |
| Net interest margin | 3.6835% | 2,684 |
| Noninterest income to average assets | 0.8906% | 1,417 |
| Noninterest expense to average assets | 2.8788% | 2,976 |
| Loan and lease loss provision to assets | 0.0665% | 2,607 |
| Net operating income to assets | 1.3084% | 1,246 |
| Return on assets (ROA) | 1.3084% | 1,335 |
| Pretax return on assets | 1.3084% | 2,252 |
| Return on Equity (ROE) | 14.9946% | 712 |
| Retained earnings to average equity (ytd only) | 4.6137% | 3,262 |
| Net charge-offs to loans | 0.0046% | 3,159 |
| Credit loss provision to net charge-offs | 3,500.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 724.0000% | 62 |
| Efficiency ratio | 66.3393% | 4,089 |
| Assets per employee ($millions) | 3.5477% | 4,818 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 2,802 |
| Loan loss allowance to noncurrent loans | 456.9853% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 5,091 |
| Noncurrent loans to loans | 0.3122% | 4,671 |
| Net loans and leases to total assets | 39.6790% | 5,613 |
| Net loans and leases to deposits | 43.4738% | 5,778 |
| Net loans and leases to core deposits | 46.5500% | 5,727 |
| Total domestic deposits to total assets | 91.2712% | 281 |
| Equity capital to assets | 8.6253% | 5,635 |
| Core capital (leverage) ratio | 7.7643% | 6,044 |
| Tier 1 risk-based capital ratio | 16.6497% | 2,611 |
| Total risk-based capital ratio | 17.8795% | 2,578 |
| Memoranda: | ||
| Average total assets | $210,643,000 | 2,905 |
| Average earning assets | $192,315,000 | 2,924 |
| Average equity | $18,380,000 | 3,397 |
| Average total loans | $86,330,000 | 3,745 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 3,700 |
| Cost of funding earning assets | 0.2145% | 5,629 |
| Net interest margin | 3.7944% | 2,644 |
| Noninterest income to average assets | 0.8671% | 1,619 |
| Noninterest expense to average assets | 2.8132% | 3,427 |
| Loan and lease loss provision to assets | 0.1020% | 2,452 |
| Net operating income to assets | 1.4636% | 947 |
| Return on assets (ROA) | 1.4636% | 986 |
| Pretax return on assets | 1.4636% | 1,679 |
| Return on Equity (ROE) | 18.4124% | 361 |
| Retained earnings to average equity (ytd only) | 9.1499% | 676 |
| Net charge-offs to loans | 0.2053% | 2,022 |
| Credit loss provision to net charge-offs | 124.2424% | 1,925 |
| Earnings coverage of net charge-offs (x) | 19.0727% | 1,802 |
| Efficiency ratio | 64.2468% | 4,556 |
| Assets per employee ($millions) | 3.4146% | 5,025 |
| Cash dividends to net income (ytd only)* | 50.3059% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 2,893 |
| Loan loss allowance to noncurrent loans | 444.4853% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 5,198 |
| Noncurrent loans to loans | 0.3180% | 4,702 |
| Net loans and leases to total assets | 41.1657% | 5,679 |
| Net loans and leases to deposits | 45.2496% | 5,826 |
| Net loans and leases to core deposits | 48.4582% | 5,791 |
| Total domestic deposits to total assets | 90.9746% | 374 |
| Equity capital to assets | 8.8316% | 5,450 |
| Core capital (leverage) ratio | 8.1222% | 5,911 |
| Tier 1 risk-based capital ratio | 17.3077% | 2,379 |
| Total risk-based capital ratio | 18.5579% | 2,339 |
| Memoranda: | ||
| Average total assets | $201,017,600 | 2,979 |
| Average earning assets | $186,038,600 | 2,960 |
| Average equity | $15,978,400 | 3,669 |
| Average total loans | $80,352,600 | 3,868 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 3,770 |
| Cost of funding earning assets | 0.2175% | 5,689 |
| Net interest margin | 3.7793% | 2,693 |
| Noninterest income to average assets | 0.8238% | 1,801 |
| Noninterest expense to average assets | 2.8072% | 3,434 |
| Loan and lease loss provision to assets | 0.0866% | 2,615 |
| Net operating income to assets | 1.4269% | 1,080 |
| Return on assets (ROA) | 1.4269% | 1,116 |
| Pretax return on assets | 1.4269% | 1,899 |
| Return on Equity (ROE) | 18.4770% | 400 |
| Retained earnings to average equity (ytd only) | 5.7045% | 2,600 |
| Net charge-offs to loans | 0.2075% | 1,810 |
| Credit loss provision to net charge-offs | 105.6911% | 2,104 |
| Earnings coverage of net charge-offs (x) | 18.4629% | 1,836 |
| Efficiency ratio | 64.9699% | 4,378 |
| Assets per employee ($millions) | 3.4610% | 4,934 |
| Cash dividends to net income (ytd only)* | 69.1263% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,246 |
| Loan loss allowance to noncurrent loans | 588.0000% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 5,501 |
| Noncurrent loans to loans | 0.2357% | 5,193 |
| Net loans and leases to total assets | 41.6907% | 5,703 |
| Net loans and leases to deposits | 45.7743% | 5,879 |
| Net loans and leases to core deposits | 49.3892% | 5,818 |
| Total domestic deposits to total assets | 91.0790% | 341 |
| Equity capital to assets | 8.1538% | 6,040 |
| Core capital (leverage) ratio | 7.9618% | 6,095 |
| Tier 1 risk-based capital ratio | 16.5624% | 2,793 |
| Total risk-based capital ratio | 17.7964% | 2,747 |
| Memoranda: | ||
| Average total assets | $200,052,750 | 3,015 |
| Average earning assets | $185,107,500 | 2,998 |
| Average equity | $15,449,500 | 3,777 |
| Average total loans | $79,053,750 | 3,928 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 4,067 |
| Cost of funding earning assets | 0.2217% | 5,733 |
| Net interest margin | 3.6957% | 2,981 |
| Noninterest income to average assets | 0.8638% | 1,610 |
| Noninterest expense to average assets | 2.8495% | 3,337 |
| Loan and lease loss provision to assets | 0.0751% | 2,777 |
| Net operating income to assets | 1.3602% | 1,160 |
| Return on assets (ROA) | 1.3602% | 1,203 |
| Pretax return on assets | 1.3602% | 2,039 |
| Return on Equity (ROE) | 17.9485% | 463 |
| Retained earnings to average equity (ytd only) | 3.2622% | 4,128 |
| Net charge-offs to loans | 0.0752% | 2,951 |
| Credit loss provision to net charge-offs | 258.6207% | 967 |
| Earnings coverage of net charge-offs (x) | 49.4483% | 919 |
| Efficiency ratio | 66.5032% | 4,283 |
| Assets per employee ($millions) | 3.4003% | 5,054 |
| Cash dividends to net income (ytd only)* | 81.8249% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 2,773 |
| Loan loss allowance to noncurrent loans | 282.5581% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 4,925 |
| Noncurrent loans to loans | 0.5400% | 4,389 |
| Net loans and leases to total assets | 39.0835% | 5,890 |
| Net loans and leases to deposits | 42.9709% | 6,028 |
| Net loans and leases to core deposits | 46.3366% | 5,981 |
| Total domestic deposits to total assets | 90.9535% | 426 |
| Equity capital to assets | 7.9748% | 6,170 |
| Core capital (leverage) ratio | 7.6456% | 6,262 |
| Tier 1 risk-based capital ratio | 16.9930% | 2,622 |
| Total risk-based capital ratio | 18.2444% | 2,578 |
| Memoranda: | ||
| Average total assets | $199,823,670 | 3,039 |
| Average earning assets | $184,970,330 | 3,013 |
| Average equity | $15,143,330 | 3,830 |
| Average total loans | $77,116,330 | 4,000 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 4,046 |
| Cost of funding earning assets | 0.2279% | 5,770 |
| Net interest margin | 3.6815% | 2,944 |
| Noninterest income to average assets | 0.8123% | 1,708 |
| Noninterest expense to average assets | 2.9565% | 3,026 |
| Loan and lease loss provision to assets | 0.0903% | 2,412 |
| Net operating income to assets | 1.1674% | 1,574 |
| Return on assets (ROA) | 1.1674% | 1,644 |
| Pretax return on assets | 1.1674% | 2,631 |
| Return on Equity (ROE) | 15.8201% | 659 |
| Retained earnings to average equity (ytd only) | 7.3664% | 1,872 |
| Net charge-offs to loans | 0.0527% | 2,645 |
| Credit loss provision to net charge-offs | 450.0000% | 595 |
| Earnings coverage of net charge-offs (x) | 62.7000% | 633 |
| Efficiency ratio | 70.1571% | 3,816 |
| Assets per employee ($millions) | 3.2753% | 5,392 |
| Cash dividends to net income (ytd only)* | 53.4364% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 2,854 |
| Loan loss allowance to noncurrent loans | 307.1429% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 5,109 |
| Noncurrent loans to loans | 0.5099% | 4,636 |
| Net loans and leases to total assets | 37.8760% | 5,950 |
| Net loans and leases to deposits | 40.9737% | 6,135 |
| Net loans and leases to core deposits | 44.1516% | 6,071 |
| Total domestic deposits to total assets | 92.4397% | 175 |
| Equity capital to assets | 7.4472% | 6,328 |
| Core capital (leverage) ratio | 7.5562% | 6,316 |
| Tier 1 risk-based capital ratio | 17.3557% | 2,533 |
| Total risk-based capital ratio | 18.6070% | 2,499 |
| Memoranda: | ||
| Average total assets | $199,426,000 | 3,058 |
| Average earning assets | $184,275,000 | 3,043 |
| Average equity | $14,715,500 | 3,911 |
| Average total loans | $75,862,500 | 4,073 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 4,693 |
| Cost of funding earning assets | 0.3209% | 5,415 |
| Net interest margin | 3.5097% | 3,857 |
| Noninterest income to average assets | 0.8880% | 1,721 |
| Noninterest expense to average assets | 2.7152% | 4,041 |
| Loan and lease loss provision to assets | 0.0693% | 3,747 |
| Net operating income to assets | 1.3486% | 1,137 |
| Return on assets (ROA) | 1.3672% | 1,142 |
| Pretax return on assets | 1.3672% | 1,909 |
| Return on Equity (ROE) | 17.2364% | 485 |
| Retained earnings to average equity (ytd only) | 9.3383% | 698 |
| Net charge-offs to loans | -0.0135% | 6,069 |
| Credit loss provision to net charge-offs | -1,340.0000% | 6,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6953% | 4,613 |
| Assets per employee ($millions) | 3.3176% | 5,249 |
| Cash dividends to net income (ytd only)* | 45.8223% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 2,912 |
| Loan loss allowance to noncurrent loans | 361.9195% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 5,259 |
| Noncurrent loans to loans | 0.4315% | 4,915 |
| Net loans and leases to total assets | 37.0133% | 6,156 |
| Net loans and leases to deposits | 40.3881% | 6,289 |
| Net loans and leases to core deposits | 43.9370% | 6,229 |
| Total domestic deposits to total assets | 91.6441% | 365 |
| Equity capital to assets | 7.3104% | 6,363 |
| Core capital (leverage) ratio | 7.7084% | 6,300 |
| Tier 1 risk-based capital ratio | 17.3924% | 2,456 |
| Total risk-based capital ratio | 18.6444% | 2,432 |
| Memoranda: | ||
| Average total assets | $193,466,000 | 3,104 |
| Average earning assets | $178,877,600 | 3,084 |
| Average equity | $15,345,400 | 3,805 |
| Average total loans | $74,120,800 | 4,125 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 4,735 |
| Cost of funding earning assets | 0.3506% | 5,288 |
| Net interest margin | 3.4790% | 3,969 |
| Noninterest income to average assets | 0.8587% | 1,899 |
| Noninterest expense to average assets | 2.6518% | 4,195 |
| Loan and lease loss provision to assets | 0.0930% | 3,214 |
| Net operating income to assets | 1.3377% | 1,250 |
| Return on assets (ROA) | 1.3668% | 1,231 |
| Pretax return on assets | 1.3668% | 2,051 |
| Return on Equity (ROE) | 16.8896% | 551 |
| Retained earnings to average equity (ytd only) | 6.4933% | 2,135 |
| Net charge-offs to loans | -0.0108% | 5,908 |
| Credit loss provision to net charge-offs | -2,233.3333% | 6,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9549% | 4,656 |
| Assets per employee ($millions) | 3.2896% | 5,301 |
| Cash dividends to net income (ytd only)* | 61.5540% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 3,083 |
| Loan loss allowance to noncurrent loans | 568.2927% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 5,569 |
| Noncurrent loans to loans | 0.2785% | 5,537 |
| Net loans and leases to total assets | 37.9716% | 6,175 |
| Net loans and leases to deposits | 40.9144% | 6,355 |
| Net loans and leases to core deposits | 44.3346% | 6,289 |
| Total domestic deposits to total assets | 92.8075% | 139 |
| Equity capital to assets | 7.0128% | 6,549 |
| Core capital (leverage) ratio | 7.6282% | 6,394 |
| Tier 1 risk-based capital ratio | 17.1197% | 2,659 |
| Total risk-based capital ratio | 18.3669% | 2,625 |
| Memoranda: | ||
| Average total assets | $192,068,000 | 3,151 |
| Average earning assets | $177,975,500 | 3,126 |
| Average equity | $15,543,750 | 3,821 |
| Average total loans | $73,939,250 | 4,157 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 4,896 |
| Cost of funding earning assets | 0.3990% | 4,957 |
| Net interest margin | 3.3799% | 4,268 |
| Noninterest income to average assets | 0.8343% | 2,048 |
| Noninterest expense to average assets | 2.5622% | 4,513 |
| Loan and lease loss provision to assets | 0.0935% | 3,226 |
| Net operating income to assets | 1.3206% | 1,271 |
| Return on assets (ROA) | 1.3642% | 1,243 |
| Pretax return on assets | 1.3642% | 2,068 |
| Return on Equity (ROE) | 16.1451% | 647 |
| Retained earnings to average equity (ytd only) | 5.9883% | 2,451 |
| Net charge-offs to loans | -0.0054% | 5,651 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4369% | 4,799 |
| Assets per employee ($millions) | 3.5549% | 4,743 |
| Cash dividends to net income (ytd only)* | 62.9094% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 3,460 |
| Loan loss allowance to noncurrent loans | 469.3277% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 5,489 |
| Noncurrent loans to loans | 0.3252% | 5,481 |
| Net loans and leases to total assets | 37.5402% | 6,207 |
| Net loans and leases to deposits | 41.4080% | 6,350 |
| Net loans and leases to core deposits | 44.8513% | 6,291 |
| Total domestic deposits to total assets | 90.6592% | 676 |
| Equity capital to assets | 8.2244% | 6,040 |
| Core capital (leverage) ratio | 7.2822% | 6,533 |
| Tier 1 risk-based capital ratio | 16.9745% | 2,727 |
| Total risk-based capital ratio | 18.2363% | 2,691 |
| Memoranda: | ||
| Average total assets | $192,492,330 | 3,157 |
| Average earning assets | $178,939,670 | 3,130 |
| Average equity | $16,265,000 | 3,730 |
| Average total loans | $74,048,000 | 4,172 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 4,983 |
| Cost of funding earning assets | 0.4749% | 4,325 |
| Net interest margin | 3.2778% | 4,599 |
| Noninterest income to average assets | 0.7595% | 2,299 |
| Noninterest expense to average assets | 2.4943% | 4,778 |
| Loan and lease loss provision to assets | 0.0934% | 3,106 |
| Net operating income to assets | 1.2223% | 1,462 |
| Return on assets (ROA) | 1.2223% | 1,574 |
| Pretax return on assets | 1.2223% | 2,502 |
| Return on Equity (ROE) | 14.2758% | 907 |
| Retained earnings to average equity (ytd only) | 9.7676% | 1,166 |
| Net charge-offs to loans | -0.0967% | 6,429 |
| Credit loss provision to net charge-offs | -250.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4684% | 4,751 |
| Assets per employee ($millions) | 3.6575% | 4,652 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 3,917 |
| Loan loss allowance to noncurrent loans | 663.4146% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 5,791 |
| Noncurrent loans to loans | 0.2222% | 5,856 |
| Net loans and leases to total assets | 36.8160% | 6,241 |
| Net loans and leases to deposits | 40.4060% | 6,402 |
| Net loans and leases to core deposits | 43.7166% | 6,323 |
| Total domestic deposits to total assets | 91.1151% | 482 |
| Equity capital to assets | 8.2889% | 6,192 |
| Core capital (leverage) ratio | 6.9202% | 6,664 |
| Tier 1 risk-based capital ratio | 16.3367% | 3,091 |
| Total risk-based capital ratio | 17.5876% | 3,042 |
| Memoranda: | ||
| Average total assets | $192,756,000 | 3,185 |
| Average earning assets | $179,390,000 | 3,154 |
| Average equity | $16,503,500 | 3,738 |
| Average total loans | $74,481,500 | 4,186 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 5,480 |
| Cost of funding earning assets | 0.5739% | 4,596 |
| Net interest margin | 3.3606% | 5,036 |
| Noninterest income to average assets | 0.8140% | 2,199 |
| Noninterest expense to average assets | 2.8637% | 3,795 |
| Loan and lease loss provision to assets | 0.0677% | 4,905 |
| Net operating income to assets | 1.0130% | 2,280 |
| Return on assets (ROA) | 1.1542% | 1,919 |
| Pretax return on assets | 1.1542% | 2,975 |
| Return on Equity (ROE) | 12.4610% | 1,371 |
| Retained earnings to average equity (ytd only) | 8.0762% | 1,098 |
| Net charge-offs to loans | 0.0798% | 4,873 |
| Credit loss provision to net charge-offs | 208.9286% | 1,221 |
| Earnings coverage of net charge-offs (x) | 33.3571% | 931 |
| Efficiency ratio | 72.6019% | 3,306 |
| Assets per employee ($millions) | 3.4183% | 5,177 |
| Cash dividends to net income (ytd only)* | 35.1880% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 4,338 |
| Loan loss allowance to noncurrent loans | 764.9254% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 5,909 |
| Noncurrent loans to loans | 0.1783% | 6,028 |
| Net loans and leases to total assets | 39.4329% | 6,210 |
| Net loans and leases to deposits | 43.9967% | 6,367 |
| Net loans and leases to core deposits | 48.0813% | 6,265 |
| Total domestic deposits to total assets | 89.6270% | 1,176 |
| Equity capital to assets | 8.8486% | 5,689 |
| Core capital (leverage) ratio | 7.0127% | 6,699 |
| Tier 1 risk-based capital ratio | 15.9942% | 3,171 |
| Total risk-based capital ratio | 17.2407% | 3,120 |
| Memoranda: | ||
| Average total assets | $172,850,800 | 3,403 |
| Average earning assets | $161,013,400 | 3,365 |
| Average equity | $16,010,000 | 3,771 |
| Average total loans | $70,180,000 | 4,355 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 5,554 |
| Cost of funding earning assets | 0.5905% | 4,739 |
| Net interest margin | 3.3957% | 5,049 |
| Noninterest income to average assets | 0.7808% | 2,329 |
| Noninterest expense to average assets | 2.8738% | 3,692 |
| Loan and lease loss provision to assets | 0.0946% | 4,401 |
| Net operating income to assets | 0.9779% | 2,616 |
| Return on assets (ROA) | 1.1293% | 2,182 |
| Pretax return on assets | 1.1293% | 3,236 |
| Return on Equity (ROE) | 12.0433% | 1,623 |
| Retained earnings to average equity (ytd only) | 6.1394% | 2,610 |
| Net charge-offs to loans | 0.1102% | 4,287 |
| Credit loss provision to net charge-offs | 210.5263% | 1,311 |
| Earnings coverage of net charge-offs (x) | 23.8591% | 1,299 |
| Efficiency ratio | 72.8217% | 3,182 |
| Assets per employee ($millions) | 3.5361% | 4,890 |
| Cash dividends to net income (ytd only)* | 49.0224% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 4,311 |
| Loan loss allowance to noncurrent loans | 290.1130% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 6,221 |
| Noncurrent loans to loans | 0.4876% | 5,473 |
| Net loans and leases to total assets | 39.6840% | 6,308 |
| Net loans and leases to deposits | 43.7887% | 6,517 |
| Net loans and leases to core deposits | 47.9736% | 6,413 |
| Total domestic deposits to total assets | 90.6261% | 548 |
| Equity capital to assets | 9.1692% | 5,630 |
| Core capital (leverage) ratio | 6.9973% | 6,793 |
| Tier 1 risk-based capital ratio | 15.2443% | 3,677 |
| Total risk-based capital ratio | 16.4896% | 3,631 |
| Memoranda: | ||
| Average total assets | $169,061,500 | 3,507 |
| Average earning assets | $157,608,500 | 3,455 |
| Average equity | $15,853,500 | 3,837 |
| Average total loans | $68,934,500 | 4,432 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 5,939 |
| Cost of funding earning assets | 0.6127% | 4,783 |
| Net interest margin | 3.2778% | 5,510 |
| Noninterest income to average assets | 0.7296% | 2,518 |
| Noninterest expense to average assets | 2.7538% | 4,206 |
| Loan and lease loss provision to assets | 0.0883% | 4,474 |
| Net operating income to assets | 0.9619% | 2,611 |
| Return on assets (ROA) | 1.0417% | 2,516 |
| Pretax return on assets | 1.0417% | 3,554 |
| Return on Equity (ROE) | 11.0201% | 1,987 |
| Retained earnings to average equity (ytd only) | 5.0301% | 3,269 |
| Net charge-offs to loans | 0.0738% | 4,410 |
| Credit loss provision to net charge-offs | 292.0000% | 1,000 |
| Earnings coverage of net charge-offs (x) | 34.7200% | 975 |
| Efficiency ratio | 72.3919% | 3,361 |
| Assets per employee ($millions) | 3.6220% | 4,708 |
| Cash dividends to net income (ytd only)* | 54.3554% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 4,527 |
| Loan loss allowance to noncurrent loans | 70.4941% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7935% | 4,812 |
| Noncurrent loans to loans | 1.9618% | 2,986 |
| Net loans and leases to total assets | 39.8869% | 6,352 |
| Net loans and leases to deposits | 43.8086% | 6,567 |
| Net loans and leases to core deposits | 47.9843% | 6,459 |
| Total domestic deposits to total assets | 91.0481% | 431 |
| Equity capital to assets | 8.7945% | 5,919 |
| Core capital (leverage) ratio | 7.3996% | 6,666 |
| Tier 1 risk-based capital ratio | 14.5410% | 4,074 |
| Total risk-based capital ratio | 15.7452% | 4,071 |
| Memoranda: | ||
| Average total assets | $165,301,330 | 3,581 |
| Average earning assets | $155,045,330 | 3,516 |
| Average equity | $15,626,000 | 3,864 |
| Average total loans | $67,714,670 | 4,497 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 5,394 |
| Cost of funding earning assets | 0.6520% | 4,715 |
| Net interest margin | 3.4646% | 4,848 |
| Noninterest income to average assets | 0.7116% | 2,606 |
| Noninterest expense to average assets | 2.7192% | 4,357 |
| Loan and lease loss provision to assets | 0.1093% | 3,986 |
| Net operating income to assets | 1.1512% | 1,876 |
| Return on assets (ROA) | 1.2401% | 1,811 |
| Pretax return on assets | 1.2401% | 2,766 |
| Return on Equity (ROE) | 12.6135% | 1,507 |
| Retained earnings to average equity (ytd only) | 12.6135% | 737 |
| Net charge-offs to loans | 0.0308% | 4,253 |
| Credit loss provision to net charge-offs | 860.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 99.2000% | 348 |
| Efficiency ratio | 68.3269% | 4,113 |
| Assets per employee ($millions) | 4.2553% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 4,047 |
| Loan loss allowance to noncurrent loans | 152.8963% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 5,912 |
| Noncurrent loans to loans | 0.9973% | 4,680 |
| Net loans and leases to total assets | 38.0545% | 6,489 |
| Net loans and leases to deposits | 41.9416% | 6,663 |
| Net loans and leases to core deposits | 45.5577% | 6,594 |
| Total domestic deposits to total assets | 90.7321% | 672 |
| Equity capital to assets | 9.1398% | 5,308 |
| Core capital (leverage) ratio | 8.3965% | 5,745 |
| Tier 1 risk-based capital ratio | 16.4690% | 2,924 |
| Total risk-based capital ratio | 17.6893% | 2,900 |
| Memoranda: | ||
| Average total assets | $157,401,000 | 3,737 |
| Average earning assets | $148,473,000 | 3,650 |
| Average equity | $15,475,500 | 3,899 |
| Average total loans | $64,947,500 | 4,620 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 4,308 |
| Cost of funding earning assets | 0.7768% | 5,026 |
| Net interest margin | 3.9089% | 3,297 |
| Noninterest income to average assets | 0.8540% | 1,829 |
| Noninterest expense to average assets | 3.1458% | 3,040 |
| Loan and lease loss provision to assets | 0.0884% | 5,483 |
| Net operating income to assets | 1.2931% | 1,267 |
| Return on assets (ROA) | 1.4236% | 1,057 |
| Pretax return on assets | 1.4236% | 1,702 |
| Return on Equity (ROE) | 15.0110% | 741 |
| Retained earnings to average equity (ytd only) | 9.6891% | 631 |
| Net charge-offs to loans | 0.1088% | 5,276 |
| Credit loss provision to net charge-offs | 177.1429% | 1,479 |
| Earnings coverage of net charge-offs (x) | 27.6857% | 895 |
| Efficiency ratio | 69.4851% | 4,056 |
| Assets per employee ($millions) | 3.6148% | 4,734 |
| Cash dividends to net income (ytd only)* | 35.4532% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 4,006 |
| Loan loss allowance to noncurrent loans | 108.9266% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 5,429 |
| Noncurrent loans to loans | 1.3802% | 4,076 |
| Net loans and leases to total assets | 43.6784% | 6,238 |
| Net loans and leases to deposits | 49.0102% | 6,433 |
| Net loans and leases to core deposits | 54.6650% | 6,253 |
| Total domestic deposits to total assets | 89.1210% | 1,464 |
| Equity capital to assets | 10.6466% | 3,365 |
| Core capital (leverage) ratio | 8.8997% | 4,941 |
| Tier 1 risk-based capital ratio | 18.2992% | 2,106 |
| Total risk-based capital ratio | 19.5452% | 2,071 |
| Memoranda: | ||
| Average total assets | $140,281,400 | 3,971 |
| Average earning assets | $131,827,800 | 3,895 |
| Average equity | $13,303,600 | 4,281 |
| Average total loans | $64,320,200 | 4,700 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7679% | 4,156 |
| Cost of funding earning assets | 0.7884% | 5,228 |
| Net interest margin | 3.9796% | 3,008 |
| Noninterest income to average assets | 0.8352% | 1,903 |
| Noninterest expense to average assets | 3.0870% | 3,215 |
| Loan and lease loss provision to assets | 0.1054% | 5,129 |
| Net operating income to assets | 1.3802% | 1,198 |
| Return on assets (ROA) | 1.3936% | 1,249 |
| Pretax return on assets | 1.3936% | 1,958 |
| Return on Equity (ROE) | 15.1784% | 812 |
| Retained earnings to average equity (ytd only) | 7.7927% | 1,593 |
| Net charge-offs to loans | 0.1263% | 4,783 |
| Credit loss provision to net charge-offs | 180.3279% | 1,650 |
| Earnings coverage of net charge-offs (x) | 25.4267% | 1,047 |
| Efficiency ratio | 67.5115% | 4,419 |
| Assets per employee ($millions) | 3.5737% | 4,817 |
| Cash dividends to net income (ytd only)* | 48.6600% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 4,066 |
| Loan loss allowance to noncurrent loans | 755.5556% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 6,837 |
| Noncurrent loans to loans | 0.1992% | 6,472 |
| Net loans and leases to total assets | 43.5941% | 6,369 |
| Net loans and leases to deposits | 48.7552% | 6,581 |
| Net loans and leases to core deposits | 54.6588% | 6,414 |
| Total domestic deposits to total assets | 89.4142% | 1,185 |
| Equity capital to assets | 10.3536% | 3,892 |
| Core capital (leverage) ratio | 8.9018% | 5,096 |
| Tier 1 risk-based capital ratio | 17.8446% | 2,310 |
| Total risk-based capital ratio | 19.0965% | 2,276 |
| Memoranda: | ||
| Average total assets | $139,204,000 | 4,019 |
| Average earning assets | $130,731,250 | 3,941 |
| Average equity | $12,781,000 | 4,386 |
| Average total loans | $64,370,500 | 4,735 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 4,099 |
| Cost of funding earning assets | 0.8099% | 5,304 |
| Net interest margin | 3.9890% | 2,893 |
| Noninterest income to average assets | 0.8394% | 1,839 |
| Noninterest expense to average assets | 3.0386% | 3,488 |
| Loan and lease loss provision to assets | 0.1160% | 4,826 |
| Net operating income to assets | 1.4193% | 1,045 |
| Return on assets (ROA) | 1.4396% | 1,058 |
| Pretax return on assets | 1.4396% | 1,694 |
| Return on Equity (ROE) | 16.4024% | 620 |
| Retained earnings to average equity (ytd only) | 7.1853% | 1,792 |
| Net charge-offs to loans | 0.0618% | 5,031 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 52.9500% | 600 |
| Efficiency ratio | 66.4342% | 4,791 |
| Assets per employee ($millions) | 3.4605% | 5,051 |
| Cash dividends to net income (ytd only)* | 56.1934% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 4,020 |
| Loan loss allowance to noncurrent loans | 535.0000% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 6,764 |
| Noncurrent loans to loans | 0.2848% | 6,348 |
| Net loans and leases to total assets | 44.9657% | 6,357 |
| Net loans and leases to deposits | 49.7673% | 6,617 |
| Net loans and leases to core deposits | 55.6731% | 6,438 |
| Total domestic deposits to total assets | 90.3519% | 786 |
| Equity capital to assets | 9.4018% | 4,968 |
| Core capital (leverage) ratio | 8.7025% | 5,222 |
| Tier 1 risk-based capital ratio | 16.5313% | 2,725 |
| Total risk-based capital ratio | 17.7656% | 2,691 |
| Memoranda: | ||
| Average total assets | $137,956,670 | 4,063 |
| Average earning assets | $129,155,670 | 4,009 |
| Average equity | $12,108,000 | 4,528 |
| Average total loans | $64,738,000 | 4,762 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6914% | 4,559 |
| Cost of funding earning assets | 0.8275% | 5,411 |
| Net interest margin | 3.8638% | 3,326 |
| Noninterest income to average assets | 0.9846% | 1,375 |
| Noninterest expense to average assets | 3.0205% | 3,557 |
| Loan and lease loss provision to assets | 0.1743% | 3,881 |
| Net operating income to assets | 1.3970% | 1,065 |
| Return on assets (ROA) | 1.3970% | 1,107 |
| Pretax return on assets | 1.3970% | 1,731 |
| Return on Equity (ROE) | 16.5079% | 624 |
| Retained earnings to average equity (ytd only) | 7.9279% | 1,765 |
| Net charge-offs to loans | 0.0366% | 4,595 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 90.1667% | 351 |
| Efficiency ratio | 65.7812% | 5,067 |
| Assets per employee ($millions) | 3.7088% | 4,520 |
| Cash dividends to net income (ytd only)* | 51.9751% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 4,251 |
| Loan loss allowance to noncurrent loans | 470.9360% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 6,572 |
| Noncurrent loans to loans | 0.3168% | 6,356 |
| Net loans and leases to total assets | 44.7855% | 6,398 |
| Net loans and leases to deposits | 49.1508% | 6,677 |
| Net loans and leases to core deposits | 54.6244% | 6,514 |
| Total domestic deposits to total assets | 91.1185% | 567 |
| Equity capital to assets | 8.6736% | 5,687 |
| Core capital (leverage) ratio | 8.5638% | 5,324 |
| Tier 1 risk-based capital ratio | 15.3997% | 3,212 |
| Total risk-based capital ratio | 16.6325% | 3,180 |
| Memoranda: | ||
| Average total assets | $137,724,500 | 4,105 |
| Average earning assets | $128,577,000 | 4,059 |
| Average equity | $11,655,000 | 4,633 |
| Average total loans | $65,504,500 | 4,789 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8923% | 5,071 |
| Cost of funding earning assets | 0.9394% | 5,983 |
| Net interest margin | 3.9529% | 3,251 |
| Noninterest income to average assets | 1.0969% | 1,236 |
| Noninterest expense to average assets | 3.5214% | 2,116 |
| Loan and lease loss provision to assets | 0.2255% | 5,021 |
| Net operating income to assets | 1.0359% | 1,922 |
| Return on assets (ROA) | 1.3715% | 1,074 |
| Pretax return on assets | 1.3715% | 1,732 |
| Return on Equity (ROE) | 15.5357% | 638 |
| Retained earnings to average equity (ytd only) | 10.9247% | 389 |
| Net charge-offs to loans | 0.1982% | 5,101 |
| Credit loss provision to net charge-offs | 254.6218% | 1,111 |
| Earnings coverage of net charge-offs (x) | 14.2437% | 1,356 |
| Efficiency ratio | 73.6269% | 3,470 |
| Assets per employee ($millions) | 3.5399% | 4,850 |
| Cash dividends to net income (ytd only)* | 29.6799% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 4,751 |
| Loan loss allowance to noncurrent loans | 198.8987% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 6,162 |
| Noncurrent loans to loans | 0.6783% | 5,687 |
| Net loans and leases to total assets | 49.0889% | 6,267 |
| Net loans and leases to deposits | 53.6540% | 6,631 |
| Net loans and leases to core deposits | 60.2740% | 6,373 |
| Total domestic deposits to total assets | 91.4917% | 402 |
| Equity capital to assets | 8.2415% | 6,214 |
| Core capital (leverage) ratio | 8.5227% | 5,319 |
| Tier 1 risk-based capital ratio | 15.2986% | 3,101 |
| Total risk-based capital ratio | 16.4781% | 3,088 |
| Memoranda: | ||
| Average total assets | $134,377,000 | 4,170 |
| Average earning assets | $125,299,000 | 4,124 |
| Average equity | $11,863,000 | 4,646 |
| Average total loans | $60,030,600 | 5,069 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 5,255 |
| Cost of funding earning assets | 0.9545% | 6,152 |
| Net interest margin | 3.9476% | 3,328 |
| Noninterest income to average assets | 0.9895% | 1,489 |
| Noninterest expense to average assets | 3.4429% | 2,177 |
| Loan and lease loss provision to assets | 0.2213% | 4,845 |
| Net operating income to assets | 1.0074% | 2,207 |
| Return on assets (ROA) | 1.3061% | 1,393 |
| Pretax return on assets | 1.3061% | 2,153 |
| Return on Equity (ROE) | 14.5524% | 931 |
| Retained earnings to average equity (ytd only) | 8.5037% | 1,237 |
| Net charge-offs to loans | 0.1669% | 4,979 |
| Credit loss provision to net charge-offs | 305.4795% | 1,043 |
| Earnings coverage of net charge-offs (x) | 16.9591% | 1,355 |
| Efficiency ratio | 73.6987% | 3,380 |
| Assets per employee ($millions) | 3.4182% | 5,158 |
| Cash dividends to net income (ytd only)* | 41.5657% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 4,878 |
| Loan loss allowance to noncurrent loans | 232.9759% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 5,765 |
| Noncurrent loans to loans | 0.5640% | 6,076 |
| Net loans and leases to total assets | 47.7346% | 6,544 |
| Net loans and leases to deposits | 52.8640% | 6,844 |
| Net loans and leases to core deposits | 59.8643% | 6,617 |
| Total domestic deposits to total assets | 90.2969% | 731 |
| Equity capital to assets | 9.4230% | 4,957 |
| Core capital (leverage) ratio | 8.1936% | 6,050 |
| Tier 1 risk-based capital ratio | 14.7291% | 3,375 |
| Total risk-based capital ratio | 15.8797% | 3,413 |
| Memoranda: | ||
| Average total assets | $134,342,500 | 4,225 |
| Average earning assets | $125,303,500 | 4,176 |
| Average equity | $12,057,250 | 4,662 |
| Average total loans | $58,304,500 | 5,214 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 5,364 |
| Cost of funding earning assets | 0.9845% | 6,223 |
| Net interest margin | 3.9202% | 3,352 |
| Noninterest income to average assets | 1.0244% | 1,298 |
| Noninterest expense to average assets | 3.5328% | 1,950 |
| Loan and lease loss provision to assets | 0.2441% | 4,481 |
| Net operating income to assets | 0.8971% | 2,562 |
| Return on assets (ROA) | 1.1367% | 1,801 |
| Pretax return on assets | 1.1367% | 2,647 |
| Return on Equity (ROE) | 12.8844% | 1,267 |
| Retained earnings to average equity (ytd only) | 6.9939% | 1,833 |
| Net charge-offs to loans | 0.1544% | 4,708 |
| Credit loss provision to net charge-offs | 379.0698% | 952 |
| Earnings coverage of net charge-offs (x) | 17.7209% | 1,321 |
| Efficiency ratio | 75.5847% | 3,147 |
| Assets per employee ($millions) | 3.2996% | 5,430 |
| Cash dividends to net income (ytd only)* | 45.7181% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 4,433 |
| Loan loss allowance to noncurrent loans | 145.4073% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 5,452 |
| Noncurrent loans to loans | 0.9613% | 5,383 |
| Net loans and leases to total assets | 43.7454% | 6,941 |
| Net loans and leases to deposits | 48.2028% | 7,153 |
| Net loans and leases to core deposits | 54.2716% | 7,022 |
| Total domestic deposits to total assets | 90.7529% | 579 |
| Equity capital to assets | 9.0121% | 5,426 |
| Core capital (leverage) ratio | 8.0289% | 6,236 |
| Tier 1 risk-based capital ratio | 14.9912% | 3,152 |
| Total risk-based capital ratio | 16.1307% | 3,190 |
| Memoranda: | ||
| Average total assets | $133,547,000 | 4,269 |
| Average earning assets | $124,331,000 | 4,222 |
| Average equity | $11,781,670 | 4,736 |
| Average total loans | $55,694,000 | 5,358 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 5,233 |
| Cost of funding earning assets | 1.0357% | 6,199 |
| Net interest margin | 3.9154% | 3,259 |
| Noninterest income to average assets | 0.9979% | 1,317 |
| Noninterest expense to average assets | 3.5846% | 1,775 |
| Loan and lease loss provision to assets | 0.3105% | 3,557 |
| Net operating income to assets | 0.7386% | 3,269 |
| Return on assets (ROA) | 0.7507% | 3,311 |
| Pretax return on assets | 0.7507% | 4,056 |
| Return on Equity (ROE) | 8.6036% | 2,622 |
| Retained earnings to average equity (ytd only) | 4.3882% | 3,519 |
| Net charge-offs to loans | 0.2914% | 3,247 |
| Credit loss provision to net charge-offs | 264.1026% | 1,490 |
| Earnings coverage of net charge-offs (x) | 8.9231% | 1,911 |
| Efficiency ratio | 77.3585% | 3,002 |
| Assets per employee ($millions) | 3.0286% | 6,148 |
| Cash dividends to net income (ytd only)* | 48.9960% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 4,354 |
| Loan loss allowance to noncurrent loans | 257.5658% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 5,916 |
| Noncurrent loans to loans | 0.5482% | 6,196 |
| Net loans and leases to total assets | 41.0252% | 7,180 |
| Net loans and leases to deposits | 45.0733% | 7,364 |
| Net loans and leases to core deposits | 51.4696% | 7,227 |
| Total domestic deposits to total assets | 91.0189% | 534 |
| Equity capital to assets | 8.7905% | 5,566 |
| Core capital (leverage) ratio | 7.8134% | 6,478 |
| Tier 1 risk-based capital ratio | 15.4152% | 2,908 |
| Total risk-based capital ratio | 16.5315% | 2,930 |
| Memoranda: | ||
| Average total assets | $132,678,000 | 4,346 |
| Average earning assets | $123,205,000 | 4,298 |
| Average equity | $11,576,500 | 4,824 |
| Average total loans | $53,531,000 | 5,513 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6121% | 3,538 |
| Cost of funding earning assets | 1.3538% | 6,128 |
| Net interest margin | 4.2583% | 1,861 |
| Noninterest income to average assets | 0.8661% | 2,101 |
| Noninterest expense to average assets | 3.1137% | 3,679 |
| Loan and lease loss provision to assets | 0.1835% | 5,869 |
| Net operating income to assets | 1.5077% | 661 |
| Return on assets (ROA) | 1.3176% | 1,045 |
| Pretax return on assets | 1.3176% | 1,648 |
| Return on Equity (ROE) | 18.1861% | 351 |
| Retained earnings to average equity (ytd only) | 9.9491% | 380 |
| Net charge-offs to loans | 0.2152% | 5,277 |
| Credit loss provision to net charge-offs | 238.0952% | 1,512 |
| Earnings coverage of net charge-offs (x) | 21.9429% | 981 |
| Efficiency ratio | 64.8029% | 5,621 |
| Assets per employee ($millions) | 3.0023% | 6,218 |
| Cash dividends to net income (ytd only)* | 45.2925% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,271 |
| Loan loss allowance to noncurrent loans | 26.3081% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 2.4860% | 2,808 |
| Noncurrent loans to loans | 5.2955% | 1,240 |
| Net loans and leases to total assets | 38.5249% | 7,429 |
| Net loans and leases to deposits | 42.3140% | 7,564 |
| Net loans and leases to core deposits | 56.2829% | 7,394 |
| Total domestic deposits to total assets | 91.0454% | 518 |
| Equity capital to assets | 8.6594% | 5,646 |
| Core capital (leverage) ratio | 8.0278% | 6,123 |
| Tier 1 risk-based capital ratio | 15.8039% | 2,604 |
| Total risk-based capital ratio | 16.8731% | 2,615 |
| Memoranda: | ||
| Average total assets | $136,235,200 | 4,207 |
| Average earning assets | $126,014,000 | 4,175 |
| Average equity | $9,870,200 | 5,334 |
| Average total loans | $48,785,800 | 5,728 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7996% | 2,896 |
| Cost of funding earning assets | 1.4441% | 6,061 |
| Net interest margin | 4.3555% | 1,577 |
| Noninterest income to average assets | 0.8596% | 2,155 |
| Noninterest expense to average assets | 3.0547% | 3,823 |
| Loan and lease loss provision to assets | 0.1845% | 5,521 |
| Net operating income to assets | 1.6541% | 603 |
| Return on assets (ROA) | 1.3851% | 1,121 |
| Pretax return on assets | 1.3851% | 1,740 |
| Return on Equity (ROE) | 20.0600% | 311 |
| Retained earnings to average equity (ytd only) | 8.6232% | 935 |
| Net charge-offs to loans | 0.1941% | 4,847 |
| Credit loss provision to net charge-offs | 271.4286% | 1,562 |
| Earnings coverage of net charge-offs (x) | 27.0432% | 1,005 |
| Efficiency ratio | 62.4256% | 6,031 |
| Assets per employee ($millions) | 3.0510% | 6,040 |
| Cash dividends to net income (ytd only)* | 57.0123% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,238 |
| Loan loss allowance to noncurrent loans | 28.8686% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 2.3061% | 2,971 |
| Noncurrent loans to loans | 4.6595% | 1,478 |
| Net loans and leases to total assets | 39.7222% | 7,477 |
| Net loans and leases to deposits | 43.5054% | 7,637 |
| Net loans and leases to core deposits | 58.8998% | 7,436 |
| Total domestic deposits to total assets | 91.3040% | 299 |
| Equity capital to assets | 8.4080% | 6,374 |
| Core capital (leverage) ratio | 7.6480% | 6,801 |
| Tier 1 risk-based capital ratio | 15.3646% | 2,883 |
| Total risk-based capital ratio | 16.4041% | 2,914 |
| Memoranda: | ||
| Average total assets | $137,269,250 | 4,205 |
| Average earning assets | $127,132,000 | 4,177 |
| Average equity | $9,478,000 | 5,495 |
| Average total loans | $48,079,750 | 5,798 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8556% | 2,777 |
| Cost of funding earning assets | 1.5377% | 5,988 |
| Net interest margin | 4.3179% | 1,604 |
| Noninterest income to average assets | 0.8167% | 2,326 |
| Noninterest expense to average assets | 3.0019% | 4,076 |
| Loan and lease loss provision to assets | 0.1710% | 5,356 |
| Net operating income to assets | 1.6463% | 624 |
| Return on assets (ROA) | 1.7347% | 574 |
| Pretax return on assets | 1.7347% | 962 |
| Return on Equity (ROE) | 26.9069% | 106 |
| Retained earnings to average equity (ytd only) | 11.4084% | 507 |
| Net charge-offs to loans | 0.1492% | 4,699 |
| Credit loss provision to net charge-offs | 342.8571% | 1,349 |
| Earnings coverage of net charge-offs (x) | 36.4286% | 868 |
| Efficiency ratio | 62.2893% | 6,205 |
| Assets per employee ($millions) | 3.3658% | 5,145 |
| Cash dividends to net income (ytd only)* | 57.6007% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,396 |
| Loan loss allowance to noncurrent loans | 380.9249% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 6,154 |
| Noncurrent loans to loans | 0.3359% | 6,672 |
| Net loans and leases to total assets | 35.9679% | 7,707 |
| Net loans and leases to deposits | 39.7770% | 7,824 |
| Net loans and leases to core deposits | 51.1488% | 7,738 |
| Total domestic deposits to total assets | 90.4239% | 662 |
| Equity capital to assets | 6.6496% | 7,768 |
| Core capital (leverage) ratio | 7.1710% | 7,385 |
| Tier 1 risk-based capital ratio | 14.4769% | 3,263 |
| Total risk-based capital ratio | 15.4159% | 3,359 |
| Memoranda: | ||
| Average total assets | $140,312,330 | 4,166 |
| Average earning assets | $130,064,000 | 4,131 |
| Average equity | $9,046,000 | 5,668 |
| Average total loans | $46,908,330 | 5,892 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0701% | 2,076 |
| Cost of funding earning assets | 1.6387% | 5,865 |
| Net interest margin | 4.4314% | 1,271 |
| Noninterest income to average assets | 0.7984% | 2,334 |
| Noninterest expense to average assets | 3.2650% | 2,752 |
| Loan and lease loss provision to assets | 0.1717% | 4,751 |
| Net operating income to assets | 1.4937% | 950 |
| Return on assets (ROA) | 1.6568% | 776 |
| Pretax return on assets | 1.6568% | 1,278 |
| Return on Equity (ROE) | 26.1134% | 163 |
| Retained earnings to average equity (ytd only) | 8.7496% | 1,552 |
| Net charge-offs to loans | -0.0628% | 7,764 |
| Credit loss provision to net charge-offs | -857.1429% | 6,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2217% | 5,289 |
| Assets per employee ($millions) | 3.6090% | 4,545 |
| Cash dividends to net income (ytd only)* | 66.4940% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 3,349 |
| Loan loss allowance to noncurrent loans | 227.9310% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 6,612 |
| Noncurrent loans to loans | 0.6269% | 5,833 |
| Net loans and leases to total assets | 31.5847% | 7,876 |
| Net loans and leases to deposits | 34.0671% | 7,981 |
| Net loans and leases to core deposits | 42.2681% | 7,938 |
| Total domestic deposits to total assets | 92.7133% | 105 |
| Equity capital to assets | 6.1867% | 7,960 |
| Core capital (leverage) ratio | 6.2771% | 7,951 |
| Tier 1 risk-based capital ratio | 14.4323% | 3,347 |
| Total risk-based capital ratio | 15.3927% | 3,432 |
| Memoranda: | ||
| Average total assets | $139,787,500 | 4,191 |
| Average earning assets | $130,344,000 | 4,145 |
| Average equity | $8,869,000 | 5,748 |
| Average total loans | $44,610,500 | 6,035 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4813% | 3,055 |
| Cost of funding earning assets | 1.8877% | 6,766 |
| Net interest margin | 4.5936% | 1,200 |
| Noninterest income to average assets | 1.0037% | 1,564 |
| Noninterest expense to average assets | 3.1981% | 3,342 |
| Loan and lease loss provision to assets | 0.3300% | 3,750 |
| Net operating income to assets | 1.6912% | 692 |
| Return on assets (ROA) | 1.7846% | 547 |
| Pretax return on assets | 1.7846% | 979 |
| Return on Equity (ROE) | 24.8212% | 142 |
| Retained earnings to average equity (ytd only) | 7.9399% | 861 |
| Net charge-offs to loans | 0.8849% | 1,400 |
| Credit loss provision to net charge-offs | 102.6667% | 5,192 |
| Earnings coverage of net charge-offs (x) | 6.2880% | 3,394 |
| Efficiency ratio | 61.2744% | 6,113 |
| Assets per employee ($millions) | 3.8633% | 3,824 |
| Cash dividends to net income (ytd only)* | 68.0115% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 3,290 |
| Loan loss allowance to noncurrent loans | 156.1680% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 6,057 |
| Noncurrent loans to loans | 0.8868% | 4,849 |
| Net loans and leases to total assets | 31.3348% | 7,962 |
| Net loans and leases to deposits | 38.1873% | 7,973 |
| Net loans and leases to core deposits | 46.7820% | 7,950 |
| Total domestic deposits to total assets | 82.0555% | 4,179 |
| Equity capital to assets | 6.5132% | 7,936 |
| Core capital (leverage) ratio | 8.2307% | 6,105 |
| Tier 1 risk-based capital ratio | 17.0322% | 2,300 |
| Total risk-based capital ratio | 18.0728% | 2,310 |
| Memoranda: | ||
| Average total assets | $116,663,600 | 4,597 |
| Average earning assets | $107,061,400 | 4,593 |
| Average equity | $8,388,000 | 5,950 |
| Average total loans | $42,378,400 | 6,055 |