Home > American State Bank > Performance and Condition Ratios
American 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 | 5.1488% | 1,761 |
| Cost of funding earning assets | 1.3647% | 2,321 |
| Net interest margin | 3.7840% | 1,592 |
| Noninterest income to average assets | 1.0900% | 557 |
| Noninterest expense to average assets | 2.4421% | 2,468 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 2.0018% | 465 |
| Return on assets (ROA) | 1.9983% | 450 |
| Pretax return on assets | 2.0918% | 579 |
| Return on Equity (ROE) | 25.5500% | 295 |
| Retained earnings to average equity (ytd only) | 16.9941% | 217 |
| Net charge-offs to loans | 0.0561% | 1,296 |
| Credit loss provision to net charge-offs | 155.1724% | 1,446 |
| Earnings coverage of net charge-offs (x) | 56.6207% | 1,224 |
| Efficiency ratio | 53.1292% | 3,743 |
| Assets per employee ($millions) | 8.7562% | 1,086 |
| Cash dividends to net income (ytd only)* | 33.4865% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,859.8361% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,365 |
| Noncurrent loans to loans | 0.0566% | 3,311 |
| Net loans and leases to total assets | 67.6800% | 2,074 |
| Net loans and leases to deposits | 85.6693% | 1,637 |
| Net loans and leases to core deposits | 97.5888% | 1,562 |
| Total domestic deposits to total assets | 79.0000% | 3,612 |
| Equity capital to assets | 8.7275% | 2,886 |
| Core capital (leverage) ratio | 10.5840% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $304,859,000 | 2,406 |
| Average earning assets | $282,767,000 | 2,397 |
| Average equity | $23,843,600 | 2,583 |
| Average total loans | $206,762,600 | 2,246 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 1,877 |
| Cost of funding earning assets | 1.2286% | 2,340 |
| Net interest margin | 3.7489% | 1,690 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.4335% | 2,427 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.8277% | 631 |
| Return on assets (ROA) | 1.8231% | 630 |
| Pretax return on assets | 1.9064% | 854 |
| Return on Equity (ROE) | 24.0400% | 434 |
| Retained earnings to average equity (ytd only) | 14.9632% | 561 |
| Net charge-offs to loans | 0.0684% | 992 |
| Credit loss provision to net charge-offs | 128.5714% | 1,431 |
| Earnings coverage of net charge-offs (x) | 42.5524% | 1,413 |
| Efficiency ratio | 55.2529% | 3,464 |
| Assets per employee ($millions) | 8.0734% | 1,309 |
| Cash dividends to net income (ytd only)* | 37.7450% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,108 |
| Loan loss allowance to noncurrent loans | 1,573.9437% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 3,341 |
| Noncurrent loans to loans | 0.0668% | 3,279 |
| Net loans and leases to total assets | 68.5300% | 1,997 |
| Net loans and leases to deposits | 86.8789% | 1,480 |
| Net loans and leases to core deposits | 99.0461% | 1,377 |
| Total domestic deposits to total assets | 78.8900% | 3,711 |
| Equity capital to assets | 7.0745% | 3,575 |
| Core capital (leverage) ratio | 10.2069% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $302,268,000 | 2,423 |
| Average earning assets | $280,754,250 | 2,409 |
| Average equity | $22,926,750 | 2,626 |
| Average total loans | $204,551,500 | 2,254 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8857% | 1,795 |
| Cost of funding earning assets | 1.1490% | 2,135 |
| Net interest margin | 3.7366% | 1,743 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 2.4591% | 2,319 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.8098% | 645 |
| Return on assets (ROA) | 1.8028% | 655 |
| Pretax return on assets | 1.8839% | 891 |
| Return on Equity (ROE) | 23.2400% | 473 |
| Retained earnings to average equity (ytd only) | 13.9794% | 681 |
| Net charge-offs to loans | 0.0862% | 751 |
| Credit loss provision to net charge-offs | 103.4483% | 1,418 |
| Earnings coverage of net charge-offs (x) | 33.7241% | 1,493 |
| Efficiency ratio | 55.7600% | 3,451 |
| Assets per employee ($millions) | 7.5977% | 1,547 |
| Cash dividends to net income (ytd only)* | 39.8377% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 2,660 |
| Loan loss allowance to noncurrent loans | 1,859.6899% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,352 |
| Noncurrent loans to loans | 0.0624% | 3,256 |
| Net loans and leases to total assets | 67.2800% | 2,035 |
| Net loans and leases to deposits | 82.3744% | 1,803 |
| Net loans and leases to core deposits | 92.2810% | 1,666 |
| Total domestic deposits to total assets | 81.6800% | 3,295 |
| Equity capital to assets | 7.8432% | 3,320 |
| Core capital (leverage) ratio | 9.9320% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $300,760,333 | 2,436 |
| Average earning assets | $279,716,667 | 2,423 |
| Average equity | $23,334,333 | 2,606 |
| Average total loans | $201,904,000 | 2,276 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 1,791 |
| Cost of funding earning assets | 1.0316% | 1,945 |
| Net interest margin | 3.6907% | 1,921 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.4988% | 2,245 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.6632% | 882 |
| Return on assets (ROA) | 1.6632% | 881 |
| Pretax return on assets | 1.7394% | 1,193 |
| Return on Equity (ROE) | 21.5600% | 617 |
| Retained earnings to average equity (ytd only) | 13.2389% | 1,050 |
| Net charge-offs to loans | -0.0060% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.1337% | 3,181 |
| Assets per employee ($millions) | 7.5547% | 1,589 |
| Cash dividends to net income (ytd only)* | 38.5852% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,403 |
| Loan loss allowance to noncurrent loans | 575.0588% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 2,119 |
| Noncurrent loans to loans | 0.2136% | 2,406 |
| Net loans and leases to total assets | 65.0300% | 2,148 |
| Net loans and leases to deposits | 79.4379% | 1,858 |
| Net loans and leases to core deposits | 88.6207% | 1,696 |
| Total domestic deposits to total assets | 81.8600% | 3,502 |
| Equity capital to assets | 7.9494% | 3,273 |
| Core capital (leverage) ratio | 9.8173% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $299,187,500 | 2,476 |
| Average earning assets | $277,239,000 | 2,465 |
| Average equity | $23,083,500 | 2,644 |
| Average total loans | $199,422,500 | 2,309 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 989 |
| Cost of funding earning assets | 0.5492% | 1,111 |
| Net interest margin | 3.7905% | 1,178 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 2.5719% | 1,896 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.7617% | 477 |
| Return on assets (ROA) | 1.7590% | 461 |
| Pretax return on assets | 1.8470% | 652 |
| Return on Equity (ROE) | 22.3900% | 314 |
| Retained earnings to average equity (ytd only) | 9.1310% | 1,446 |
| Net charge-offs to loans | 0.0797% | 854 |
| Credit loss provision to net charge-offs | 120.0000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 36.2467% | 1,565 |
| Efficiency ratio | 57.3435% | 3,423 |
| Assets per employee ($millions) | 7.4047% | 1,682 |
| Cash dividends to net income (ytd only)* | 59.2118% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,394 |
| Loan loss allowance to noncurrent loans | 558.5082% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 2,113 |
| Noncurrent loans to loans | 0.2146% | 2,416 |
| Net loans and leases to total assets | 66.6800% | 1,960 |
| Net loans and leases to deposits | 84.1557% | 1,460 |
| Net loans and leases to core deposits | 91.1299% | 1,448 |
| Total domestic deposits to total assets | 79.2300% | 3,978 |
| Equity capital to assets | 7.4766% | 3,398 |
| Core capital (leverage) ratio | 9.6210% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $284,187,800 | 2,533 |
| Average earning assets | $264,030,800 | 2,531 |
| Average equity | $22,330,600 | 2,743 |
| Average total loans | $188,149,200 | 2,319 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 856 |
| Cost of funding earning assets | 0.4929% | 774 |
| Net interest margin | 3.7262% | 1,079 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 2.5984% | 1,715 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.6831% | 550 |
| Return on assets (ROA) | 1.6795% | 540 |
| Pretax return on assets | 1.7625% | 796 |
| Return on Equity (ROE) | 21.1000% | 344 |
| Retained earnings to average equity (ytd only) | 6.3278% | 2,624 |
| Net charge-offs to loans | -0.0058% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.6724% | 3,303 |
| Assets per employee ($millions) | 6.7324% | 2,138 |
| Cash dividends to net income (ytd only)* | 70.0169% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,173 |
| Loan loss allowance to noncurrent loans | 929.2593% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 2,496 |
| Noncurrent loans to loans | 0.1367% | 2,953 |
| Net loans and leases to total assets | 67.3400% | 1,744 |
| Net loans and leases to deposits | 83.4056% | 1,344 |
| Net loans and leases to core deposits | 88.3098% | 1,399 |
| Total domestic deposits to total assets | 80.7400% | 4,023 |
| Equity capital to assets | 6.3121% | 3,835 |
| Core capital (leverage) ratio | 9.3674% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $281,187,500 | 2,564 |
| Average earning assets | $261,281,500 | 2,562 |
| Average equity | $22,377,000 | 2,786 |
| Average total loans | $185,214,000 | 2,343 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 853 |
| Cost of funding earning assets | 0.4689% | 629 |
| Net interest margin | 3.5833% | 1,096 |
| Noninterest income to average assets | 0.9748% | 709 |
| Noninterest expense to average assets | 2.5702% | 1,722 |
| Loan and lease loss provision to assets | 0.0647% | 1,444 |
| Net operating income to assets | 1.5937% | 554 |
| Return on assets (ROA) | 1.5883% | 552 |
| Pretax return on assets | 1.6666% | 810 |
| Return on Equity (ROE) | 18.6229% | 409 |
| Retained earnings to average equity (ytd only) | 1.7772% | 3,808 |
| Net charge-offs to loans | -0.0055% | 3,378 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6731% | 3,337 |
| Assets per employee ($millions) | 6.7200% | 2,156 |
| Cash dividends to net income (ytd only)* | 90.4568% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,229 |
| Loan loss allowance to noncurrent loans | 211.4261% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 1,209 |
| Noncurrent loans to loans | 0.6107% | 1,391 |
| Net loans and leases to total assets | 65.1135% | 1,798 |
| Net loans and leases to deposits | 79.7707% | 1,403 |
| Net loans and leases to core deposits | 84.6586% | 1,412 |
| Total domestic deposits to total assets | 81.6258% | 4,061 |
| Equity capital to assets | 7.0539% | 3,740 |
| Core capital (leverage) ratio | 9.4013% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,419,000 | 2,596 |
| Average earning assets | $258,922,000 | 2,607 |
| Average equity | $23,745,000 | 2,760 |
| Average total loans | $181,134,667 | 2,377 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 783 |
| Cost of funding earning assets | 0.4541% | 638 |
| Net interest margin | 3.5410% | 1,007 |
| Noninterest income to average assets | 1.0286% | 646 |
| Noninterest expense to average assets | 2.6579% | 1,455 |
| Loan and lease loss provision to assets | 0.0659% | 1,240 |
| Net operating income to assets | 1.5203% | 600 |
| Return on assets (ROA) | 1.5092% | 609 |
| Pretax return on assets | 1.5839% | 854 |
| Return on Equity (ROE) | 16.2039% | 513 |
| Retained earnings to average equity (ytd only) | 9.9111% | 1,041 |
| Net charge-offs to loans | -0.0045% | 3,312 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5332% | 3,323 |
| Assets per employee ($millions) | 6.3621% | 2,487 |
| Cash dividends to net income (ytd only)* | 38.8350% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,111 |
| Loan loss allowance to noncurrent loans | 953.7549% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,650 |
| Noncurrent loans to loans | 0.1416% | 3,098 |
| Net loans and leases to total assets | 64.4089% | 1,571 |
| Net loans and leases to deposits | 78.8127% | 1,224 |
| Net loans and leases to core deposits | 83.9442% | 1,244 |
| Total domestic deposits to total assets | 81.7239% | 4,108 |
| Equity capital to assets | 8.4859% | 3,174 |
| Core capital (leverage) ratio | 9.8412% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,000,000 | 2,641 |
| Average earning assets | $253,713,500 | 2,661 |
| Average equity | $25,426,000 | 2,744 |
| Average total loans | $176,395,500 | 2,404 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 452 |
| Cost of funding earning assets | 0.4980% | 941 |
| Net interest margin | 4.1631% | 521 |
| Noninterest income to average assets | 0.9674% | 1,062 |
| Noninterest expense to average assets | 2.6428% | 1,769 |
| Loan and lease loss provision to assets | 0.1135% | 1,112 |
| Net operating income to assets | 1.9696% | 356 |
| Return on assets (ROA) | 1.9696% | 380 |
| Pretax return on assets | 2.0683% | 533 |
| Return on Equity (ROE) | 19.5393% | 337 |
| Retained earnings to average equity (ytd only) | 12.6360% | 450 |
| Net charge-offs to loans | -0.0191% | 3,956 |
| Credit loss provision to net charge-offs | -967.7419% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7072% | 3,852 |
| Assets per employee ($millions) | 6.4864% | 2,344 |
| Cash dividends to net income (ytd only)* | 35.3303% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 2,099 |
| Loan loss allowance to noncurrent loans | 611.3695% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 2,489 |
| Noncurrent loans to loans | 0.2222% | 2,853 |
| Net loans and leases to total assets | 63.0652% | 1,816 |
| Net loans and leases to deposits | 78.3885% | 1,366 |
| Net loans and leases to core deposits | 84.0400% | 1,330 |
| Total domestic deposits to total assets | 80.4522% | 4,170 |
| Equity capital to assets | 10.1447% | 2,524 |
| Core capital (leverage) ratio | 9.7326% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,421,200 | 2,638 |
| Average earning assets | $244,987,400 | 2,651 |
| Average equity | $26,654,000 | 2,748 |
| Average total loans | $162,603,000 | 2,520 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9128% | 348 |
| Cost of funding earning assets | 0.5064% | 1,020 |
| Net interest margin | 4.4063% | 371 |
| Noninterest income to average assets | 0.9491% | 1,151 |
| Noninterest expense to average assets | 2.5450% | 1,985 |
| Loan and lease loss provision to assets | 0.1143% | 1,051 |
| Net operating income to assets | 2.2528% | 291 |
| Return on assets (ROA) | 2.2528% | 310 |
| Pretax return on assets | 2.3656% | 414 |
| Return on Equity (ROE) | 22.3864% | 281 |
| Retained earnings to average equity (ytd only) | 15.1161% | 382 |
| Net charge-offs to loans | -0.0017% | 3,186 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5561% | 4,171 |
| Assets per employee ($millions) | 6.4784% | 2,270 |
| Cash dividends to net income (ytd only)* | 32.4763% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 2,117 |
| Loan loss allowance to noncurrent loans | 323.6052% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 1,743 |
| Noncurrent loans to loans | 0.4257% | 2,285 |
| Net loans and leases to total assets | 60.9615% | 2,140 |
| Net loans and leases to deposits | 76.6917% | 1,599 |
| Net loans and leases to core deposits | 83.6695% | 1,452 |
| Total domestic deposits to total assets | 79.4891% | 4,299 |
| Equity capital to assets | 10.3533% | 2,566 |
| Core capital (leverage) ratio | 9.7784% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,419,250 | 2,679 |
| Average earning assets | $242,736,250 | 2,680 |
| Average equity | $26,408,250 | 2,793 |
| Average total loans | $159,710,250 | 2,583 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3136% | 212 |
| Cost of funding earning assets | 0.5536% | 923 |
| Net interest margin | 4.7600% | 235 |
| Noninterest income to average assets | 0.9168% | 1,226 |
| Noninterest expense to average assets | 2.4717% | 2,236 |
| Loan and lease loss provision to assets | 0.1148% | 1,100 |
| Net operating income to assets | 2.6202% | 190 |
| Return on assets (ROA) | 2.6202% | 201 |
| Pretax return on assets | 2.7518% | 243 |
| Return on Equity (ROE) | 26.2936% | 162 |
| Retained earnings to average equity (ytd only) | 18.3072% | 212 |
| Net charge-offs to loans | -0.0076% | 3,567 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1726% | 4,506 |
| Assets per employee ($millions) | 6.7226% | 2,006 |
| Cash dividends to net income (ytd only)* | 30.3738% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 2,124 |
| Loan loss allowance to noncurrent loans | 289.0501% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 1,846 |
| Noncurrent loans to loans | 0.4724% | 2,257 |
| Net loans and leases to total assets | 58.8513% | 2,558 |
| Net loans and leases to deposits | 73.7331% | 2,025 |
| Net loans and leases to core deposits | 80.7703% | 1,822 |
| Total domestic deposits to total assets | 79.8167% | 4,254 |
| Equity capital to assets | 10.0418% | 2,814 |
| Core capital (leverage) ratio | 9.5148% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,354,000 | 2,674 |
| Average earning assets | $242,771,333 | 2,677 |
| Average equity | $26,044,333 | 2,807 |
| Average total loans | $158,218,667 | 2,611 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9532% | 116 |
| Cost of funding earning assets | 0.5755% | 986 |
| Net interest margin | 5.3777% | 116 |
| Noninterest income to average assets | 0.9085% | 1,305 |
| Noninterest expense to average assets | 2.4971% | 2,182 |
| Loan and lease loss provision to assets | 0.1165% | 1,175 |
| Net operating income to assets | 3.1462% | 133 |
| Return on assets (ROA) | 3.1462% | 147 |
| Pretax return on assets | 3.3015% | 171 |
| Return on Equity (ROE) | 31.6996% | 115 |
| Retained earnings to average equity (ytd only) | 25.4410% | 134 |
| Net charge-offs to loans | -0.0025% | 3,184 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1108% | 4,663 |
| Assets per employee ($millions) | 6.7168% | 1,984 |
| Cash dividends to net income (ytd only)* | 19.7433% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,289 |
| Loan loss allowance to noncurrent loans | 110.4657% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 963 |
| Noncurrent loans to loans | 1.2057% | 1,090 |
| Net loans and leases to total assets | 59.6978% | 2,576 |
| Net loans and leases to deposits | 73.9927% | 2,121 |
| Net loans and leases to core deposits | 81.1602% | 1,895 |
| Total domestic deposits to total assets | 80.6807% | 4,105 |
| Equity capital to assets | 9.9444% | 2,753 |
| Core capital (leverage) ratio | 9.6115% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,578,500 | 2,685 |
| Average earning assets | $239,804,000 | 2,676 |
| Average equity | $25,565,000 | 2,831 |
| Average total loans | $157,105,500 | 2,625 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 709 |
| Cost of funding earning assets | 0.8537% | 1,007 |
| Net interest margin | 3.9673% | 1,046 |
| Noninterest income to average assets | 0.9216% | 1,214 |
| Noninterest expense to average assets | 2.6664% | 2,340 |
| Loan and lease loss provision to assets | 0.1648% | 2,316 |
| Net operating income to assets | 1.6709% | 540 |
| Return on assets (ROA) | 1.6729% | 577 |
| Pretax return on assets | 1.7561% | 754 |
| Return on Equity (ROE) | 17.2529% | 385 |
| Retained earnings to average equity (ytd only) | 9.5258% | 681 |
| Net charge-offs to loans | 0.0712% | 1,776 |
| Credit loss provision to net charge-offs | 350.4425% | 1,579 |
| Earnings coverage of net charge-offs (x) | 40.7965% | 1,372 |
| Efficiency ratio | 57.9884% | 3,728 |
| Assets per employee ($millions) | 6.6632% | 1,804 |
| Cash dividends to net income (ytd only)* | 44.7873% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,376 |
| Loan loss allowance to noncurrent loans | 106.8241% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 1,215 |
| Noncurrent loans to loans | 1.2234% | 1,140 |
| Net loans and leases to total assets | 60.6960% | 2,771 |
| Net loans and leases to deposits | 76.4330% | 2,236 |
| Net loans and leases to core deposits | 84.7000% | 1,978 |
| Total domestic deposits to total assets | 79.4108% | 4,151 |
| Equity capital to assets | 9.9052% | 3,214 |
| Core capital (leverage) ratio | 9.1505% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,244,600 | 2,654 |
| Average earning assets | $221,864,800 | 2,659 |
| Average equity | $23,294,600 | 2,919 |
| Average total loans | $158,749,600 | 2,572 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 909 |
| Cost of funding earning assets | 0.9058% | 1,053 |
| Net interest margin | 3.8739% | 1,419 |
| Noninterest income to average assets | 0.8962% | 1,234 |
| Noninterest expense to average assets | 2.6525% | 2,381 |
| Loan and lease loss provision to assets | 0.1721% | 2,263 |
| Net operating income to assets | 1.5663% | 782 |
| Return on assets (ROA) | 1.5690% | 854 |
| Pretax return on assets | 1.6472% | 1,073 |
| Return on Equity (ROE) | 16.2751% | 517 |
| Retained earnings to average equity (ytd only) | 8.1055% | 1,270 |
| Net charge-offs to loans | 0.0970% | 1,338 |
| Credit loss provision to net charge-offs | 263.7931% | 1,879 |
| Earnings coverage of net charge-offs (x) | 27.8362% | 1,650 |
| Efficiency ratio | 59.1767% | 3,498 |
| Assets per employee ($millions) | 6.5503% | 1,790 |
| Cash dividends to net income (ytd only)* | 50.1972% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,878 |
| Loan loss allowance to noncurrent loans | 100.4137% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 1,355 |
| Noncurrent loans to loans | 1.1570% | 1,310 |
| Net loans and leases to total assets | 66.3759% | 2,469 |
| Net loans and leases to deposits | 85.0407% | 1,806 |
| Net loans and leases to core deposits | 95.2561% | 1,529 |
| Total domestic deposits to total assets | 78.0520% | 4,191 |
| Equity capital to assets | 9.6605% | 3,545 |
| Core capital (leverage) ratio | 8.9185% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,005,500 | 2,654 |
| Average earning assets | $218,584,250 | 2,668 |
| Average equity | $22,848,250 | 2,949 |
| Average total loans | $159,507,500 | 2,571 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 1,063 |
| Cost of funding earning assets | 0.9556% | 1,127 |
| Net interest margin | 3.8903% | 1,594 |
| Noninterest income to average assets | 0.8634% | 1,257 |
| Noninterest expense to average assets | 2.6777% | 2,450 |
| Loan and lease loss provision to assets | 0.1854% | 2,168 |
| Net operating income to assets | 1.5133% | 904 |
| Return on assets (ROA) | 1.5174% | 972 |
| Pretax return on assets | 1.5929% | 1,244 |
| Return on Equity (ROE) | 15.7513% | 611 |
| Retained earnings to average equity (ytd only) | 6.8422% | 1,722 |
| Net charge-offs to loans | 0.1478% | 977 |
| Credit loss provision to net charge-offs | 186.2069% | 1,974 |
| Earnings coverage of net charge-offs (x) | 17.8190% | 1,802 |
| Efficiency ratio | 59.9769% | 3,414 |
| Assets per employee ($millions) | 6.5351% | 1,755 |
| Cash dividends to net income (ytd only)* | 56.5611% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 2,772 |
| Loan loss allowance to noncurrent loans | 75.3152% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 1,074 |
| Noncurrent loans to loans | 1.5288% | 989 |
| Net loans and leases to total assets | 64.0218% | 2,875 |
| Net loans and leases to deposits | 81.6584% | 2,240 |
| Net loans and leases to core deposits | 91.9516% | 1,909 |
| Total domestic deposits to total assets | 78.4021% | 4,133 |
| Equity capital to assets | 9.3990% | 3,745 |
| Core capital (leverage) ratio | 8.8525% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,037,000 | 2,656 |
| Average earning assets | $214,944,000 | 2,669 |
| Average equity | $22,449,000 | 2,965 |
| Average total loans | $156,957,000 | 2,592 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 971 |
| Cost of funding earning assets | 1.0232% | 1,326 |
| Net interest margin | 3.9755% | 1,457 |
| Noninterest income to average assets | 1.0240% | 813 |
| Noninterest expense to average assets | 2.8768% | 2,190 |
| Loan and lease loss provision to assets | 0.1242% | 2,146 |
| Net operating income to assets | 1.6119% | 613 |
| Return on assets (ROA) | 1.6203% | 661 |
| Pretax return on assets | 1.7002% | 857 |
| Return on Equity (ROE) | 16.5977% | 375 |
| Retained earnings to average equity (ytd only) | 9.3260% | 891 |
| Net charge-offs to loans | 0.0335% | 1,727 |
| Credit loss provision to net charge-offs | 538.4615% | 843 |
| Earnings coverage of net charge-offs (x) | 78.6923% | 677 |
| Efficiency ratio | 61.1195% | 3,598 |
| Assets per employee ($millions) | 5.8807% | 1,773 |
| Cash dividends to net income (ytd only)* | 43.8116% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 2,833 |
| Loan loss allowance to noncurrent loans | 170.1787% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 2,336 |
| Noncurrent loans to loans | 0.6861% | 2,280 |
| Net loans and leases to total assets | 66.7616% | 2,728 |
| Net loans and leases to deposits | 87.7405% | 1,774 |
| Net loans and leases to core deposits | 100.7355% | 1,416 |
| Total domestic deposits to total assets | 76.0898% | 4,475 |
| Equity capital to assets | 9.6396% | 4,090 |
| Core capital (leverage) ratio | 9.6425% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,388,500 | 2,671 |
| Average earning assets | $207,973,000 | 2,681 |
| Average equity | $22,003,000 | 2,996 |
| Average total loans | $155,015,500 | 2,590 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1754% | 1,053 |
| Cost of funding earning assets | 1.1565% | 1,139 |
| Net interest margin | 4.0189% | 1,790 |
| Noninterest income to average assets | 1.1239% | 748 |
| Noninterest expense to average assets | 2.7155% | 2,844 |
| Loan and lease loss provision to assets | 0.2250% | 861 |
| Net operating income to assets | 1.7914% | 529 |
| Return on assets (ROA) | 1.8061% | 543 |
| Pretax return on assets | 1.8961% | 754 |
| Return on Equity (ROE) | 18.8336% | 281 |
| Retained earnings to average equity (ytd only) | 5.5638% | 2,123 |
| Net charge-offs to loans | 0.2745% | 758 |
| Credit loss provision to net charge-offs | 116.7453% | 2,160 |
| Earnings coverage of net charge-offs (x) | 10.9269% | 2,536 |
| Efficiency ratio | 56.1557% | 4,182 |
| Assets per employee ($millions) | 5.6777% | 1,896 |
| Cash dividends to net income (ytd only)* | 70.4580% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,790 |
| Loan loss allowance to noncurrent loans | 157.9802% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 2,120 |
| Noncurrent loans to loans | 0.7150% | 2,089 |
| Net loans and leases to total assets | 69.2563% | 2,507 |
| Net loans and leases to deposits | 87.1419% | 1,952 |
| Net loans and leases to core deposits | 105.3726% | 1,147 |
| Total domestic deposits to total assets | 79.4753% | 4,081 |
| Equity capital to assets | 9.8893% | 4,021 |
| Core capital (leverage) ratio | 9.3960% | 4,174 |
| Tier 1 risk-based capital ratio | 12.7842% | 3,902 |
| Total risk-based capital ratio | 13.8518% | 3,897 |
| Memoranda: | ||
| Average total assets | $220,030,200 | 2,660 |
| Average earning assets | $202,418,400 | 2,689 |
| Average equity | $21,100,600 | 3,031 |
| Average total loans | $154,467,200 | 2,572 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 1,081 |
| Cost of funding earning assets | 1.1601% | 1,136 |
| Net interest margin | 4.0203% | 1,869 |
| Noninterest income to average assets | 1.1052% | 748 |
| Noninterest expense to average assets | 2.7033% | 2,865 |
| Loan and lease loss provision to assets | 0.1930% | 922 |
| Net operating income to assets | 1.8060% | 611 |
| Return on assets (ROA) | 1.8256% | 615 |
| Pretax return on assets | 1.9167% | 831 |
| Return on Equity (ROE) | 19.1882% | 301 |
| Retained earnings to average equity (ytd only) | 6.4301% | 2,154 |
| Net charge-offs to loans | 0.3128% | 557 |
| Credit loss provision to net charge-offs | 87.8453% | 2,418 |
| Earnings coverage of net charge-offs (x) | 9.5084% | 2,568 |
| Efficiency ratio | 56.2437% | 4,146 |
| Assets per employee ($millions) | 5.7952% | 1,770 |
| Cash dividends to net income (ytd only)* | 66.4893% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,352 |
| Loan loss allowance to noncurrent loans | 78.2879% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 1,277 |
| Noncurrent loans to loans | 1.3268% | 1,159 |
| Net loans and leases to total assets | 70.8209% | 2,353 |
| Net loans and leases to deposits | 90.3132% | 1,663 |
| Net loans and leases to core deposits | 111.5729% | 865 |
| Total domestic deposits to total assets | 78.4169% | 4,281 |
| Equity capital to assets | 9.8761% | 4,136 |
| Core capital (leverage) ratio | 9.3179% | 4,354 |
| Tier 1 risk-based capital ratio | 12.4778% | 4,157 |
| Total risk-based capital ratio | 13.4595% | 4,187 |
| Memoranda: | ||
| Average total assets | $219,680,000 | 2,686 |
| Average earning assets | $201,473,500 | 2,719 |
| Average equity | $20,901,250 | 3,073 |
| Average total loans | $154,307,250 | 2,603 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1297% | 1,152 |
| Cost of funding earning assets | 1.1220% | 1,219 |
| Net interest margin | 4.0077% | 1,898 |
| Noninterest income to average assets | 1.1207% | 675 |
| Noninterest expense to average assets | 2.7235% | 2,829 |
| Loan and lease loss provision to assets | 0.2096% | 805 |
| Net operating income to assets | 1.7677% | 636 |
| Return on assets (ROA) | 1.7677% | 664 |
| Pretax return on assets | 1.8588% | 918 |
| Return on Equity (ROE) | 18.8179% | 328 |
| Retained earnings to average equity (ytd only) | 8.1480% | 1,335 |
| Net charge-offs to loans | 0.3342% | 513 |
| Credit loss provision to net charge-offs | 89.8438% | 2,134 |
| Earnings coverage of net charge-offs (x) | 8.8672% | 2,378 |
| Efficiency ratio | 56.6648% | 4,169 |
| Assets per employee ($millions) | 5.7567% | 1,736 |
| Cash dividends to net income (ytd only)* | 56.7010% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,271 |
| Loan loss allowance to noncurrent loans | 67.5235% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.1839% | 1,132 |
| Noncurrent loans to loans | 1.5739% | 970 |
| Net loans and leases to total assets | 68.6259% | 2,732 |
| Net loans and leases to deposits | 83.7450% | 2,517 |
| Net loans and leases to core deposits | 107.1230% | 1,166 |
| Total domestic deposits to total assets | 81.9463% | 3,529 |
| Equity capital to assets | 9.5576% | 4,348 |
| Core capital (leverage) ratio | 9.2363% | 4,421 |
| Tier 1 risk-based capital ratio | 12.3768% | 4,196 |
| Total risk-based capital ratio | 13.3694% | 4,237 |
| Memoranda: | ||
| Average total assets | $219,500,330 | 2,697 |
| Average earning assets | $201,064,000 | 2,725 |
| Average equity | $20,618,670 | 3,091 |
| Average total loans | $153,210,330 | 2,625 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0879% | 1,122 |
| Cost of funding earning assets | 1.0999% | 1,186 |
| Net interest margin | 3.9880% | 1,880 |
| Noninterest income to average assets | 1.0083% | 787 |
| Noninterest expense to average assets | 2.7171% | 2,853 |
| Loan and lease loss provision to assets | 0.3281% | 375 |
| Net operating income to assets | 1.5484% | 1,011 |
| Return on assets (ROA) | 1.5484% | 1,038 |
| Pretax return on assets | 1.6259% | 1,403 |
| Return on Equity (ROE) | 16.6345% | 510 |
| Retained earnings to average equity (ytd only) | 6.7330% | 2,144 |
| Net charge-offs to loans | 0.6634% | 228 |
| Credit loss provision to net charge-offs | 70.6349% | 1,844 |
| Earnings coverage of net charge-offs (x) | 4.2063% | 2,342 |
| Efficiency ratio | 58.0110% | 4,074 |
| Assets per employee ($millions) | 5.8397% | 1,672 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,323 |
| Loan loss allowance to noncurrent loans | 106.1427% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 1,818 |
| Noncurrent loans to loans | 1.0052% | 1,661 |
| Net loans and leases to total assets | 67.1504% | 2,877 |
| Net loans and leases to deposits | 80.9901% | 2,732 |
| Net loans and leases to core deposits | 103.0241% | 1,380 |
| Total domestic deposits to total assets | 82.9118% | 3,415 |
| Equity capital to assets | 9.2755% | 4,453 |
| Core capital (leverage) ratio | 9.2168% | 4,452 |
| Tier 1 risk-based capital ratio | 12.3966% | 4,233 |
| Total risk-based capital ratio | 13.3862% | 4,271 |
| Memoranda: | ||
| Average total assets | $216,994,000 | 2,742 |
| Average earning assets | $199,296,500 | 2,771 |
| Average equity | $20,199,000 | 3,143 |
| Average total loans | $151,951,000 | 2,670 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0155% | 1,017 |
| Cost of funding earning assets | 0.9259% | 1,007 |
| Net interest margin | 4.0896% | 1,712 |
| Noninterest income to average assets | 1.1078% | 747 |
| Noninterest expense to average assets | 2.7599% | 2,827 |
| Loan and lease loss provision to assets | 0.1143% | 1,929 |
| Net operating income to assets | 1.8808% | 471 |
| Return on assets (ROA) | 1.8777% | 466 |
| Pretax return on assets | 1.9715% | 595 |
| Return on Equity (ROE) | 20.5820% | 224 |
| Retained earnings to average equity (ytd only) | 5.7091% | 2,350 |
| Net charge-offs to loans | 0.1537% | 1,248 |
| Credit loss provision to net charge-offs | 104.8035% | 2,428 |
| Earnings coverage of net charge-offs (x) | 19.1616% | 2,084 |
| Efficiency ratio | 56.7403% | 4,313 |
| Assets per employee ($millions) | 5.7319% | 1,733 |
| Cash dividends to net income (ytd only)* | 72.2617% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,118 |
| Loan loss allowance to noncurrent loans | 454.3243% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 3,482 |
| Noncurrent loans to loans | 0.2414% | 3,720 |
| Net loans and leases to total assets | 71.4834% | 2,350 |
| Net loans and leases to deposits | 85.7070% | 2,312 |
| Net loans and leases to core deposits | 107.7017% | 1,140 |
| Total domestic deposits to total assets | 83.4044% | 3,189 |
| Equity capital to assets | 9.3432% | 4,279 |
| Core capital (leverage) ratio | 9.2425% | 4,408 |
| Tier 1 risk-based capital ratio | 12.3743% | 4,197 |
| Total risk-based capital ratio | 13.4256% | 4,193 |
| Memoranda: | ||
| Average total assets | $210,047,600 | 2,764 |
| Average earning assets | $192,144,600 | 2,798 |
| Average equity | $19,162,400 | 3,164 |
| Average total loans | $149,019,600 | 2,655 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 1,096 |
| Cost of funding earning assets | 0.8531% | 1,105 |
| Net interest margin | 4.0753% | 1,705 |
| Noninterest income to average assets | 1.1352% | 730 |
| Noninterest expense to average assets | 2.7393% | 2,844 |
| Loan and lease loss provision to assets | 0.1285% | 1,564 |
| Net operating income to assets | 1.8930% | 494 |
| Return on assets (ROA) | 1.8924% | 494 |
| Pretax return on assets | 1.9872% | 638 |
| Return on Equity (ROE) | 20.8705% | 221 |
| Retained earnings to average equity (ytd only) | 5.4316% | 2,993 |
| Net charge-offs to loans | 0.1929% | 866 |
| Credit loss provision to net charge-offs | 94.3925% | 2,370 |
| Earnings coverage of net charge-offs (x) | 15.5419% | 2,215 |
| Efficiency ratio | 56.2312% | 4,359 |
| Assets per employee ($millions) | 5.7256% | 1,715 |
| Cash dividends to net income (ytd only)* | 73.9745% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,270 |
| Loan loss allowance to noncurrent loans | 399.5181% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 3,502 |
| Noncurrent loans to loans | 0.2719% | 3,709 |
| Net loans and leases to total assets | 71.2628% | 2,452 |
| Net loans and leases to deposits | 88.2518% | 2,120 |
| Net loans and leases to core deposits | 111.1170% | 963 |
| Total domestic deposits to total assets | 80.7493% | 3,941 |
| Equity capital to assets | 9.0622% | 4,494 |
| Core capital (leverage) ratio | 9.1098% | 4,606 |
| Tier 1 risk-based capital ratio | 12.1451% | 4,415 |
| Total risk-based capital ratio | 13.1797% | 4,420 |
| Memoranda: | ||
| Average total assets | $209,539,500 | 2,795 |
| Average earning assets | $191,292,250 | 2,828 |
| Average equity | $18,999,250 | 3,202 |
| Average total loans | $147,953,750 | 2,684 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 1,083 |
| Cost of funding earning assets | 0.8479% | 930 |
| Net interest margin | 4.0243% | 1,779 |
| Noninterest income to average assets | 1.1256% | 757 |
| Noninterest expense to average assets | 2.7466% | 2,854 |
| Loan and lease loss provision to assets | 0.0718% | 2,451 |
| Net operating income to assets | 1.8872% | 481 |
| Return on assets (ROA) | 1.8863% | 476 |
| Pretax return on assets | 1.9802% | 632 |
| Return on Equity (ROE) | 20.7997% | 215 |
| Retained earnings to average equity (ytd only) | 3.8980% | 3,654 |
| Net charge-offs to loans | 0.0096% | 2,798 |
| Credit loss provision to net charge-offs | 1,071.4286% | 385 |
| Earnings coverage of net charge-offs (x) | 306.1429% | 300 |
| Efficiency ratio | 57.0459% | 4,353 |
| Assets per employee ($millions) | 5.4643% | 1,923 |
| Cash dividends to net income (ytd only)* | 81.2595% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,952 |
| Loan loss allowance to noncurrent loans | 658.3333% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 3,889 |
| Noncurrent loans to loans | 0.1756% | 4,116 |
| Net loans and leases to total assets | 69.7263% | 2,622 |
| Net loans and leases to deposits | 85.1516% | 2,414 |
| Net loans and leases to core deposits | 108.0747% | 1,114 |
| Total domestic deposits to total assets | 81.8849% | 3,755 |
| Equity capital to assets | 8.9119% | 4,628 |
| Core capital (leverage) ratio | 8.9214% | 4,754 |
| Tier 1 risk-based capital ratio | 11.9872% | 4,505 |
| Total risk-based capital ratio | 13.0807% | 4,484 |
| Memoranda: | ||
| Average total assets | $208,770,330 | 2,821 |
| Average earning assets | $190,592,000 | 2,847 |
| Average equity | $18,933,000 | 3,228 |
| Average total loans | $146,396,330 | 2,713 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 1,090 |
| Cost of funding earning assets | 0.8305% | 831 |
| Net interest margin | 3.9658% | 1,826 |
| Noninterest income to average assets | 1.1346% | 726 |
| Noninterest expense to average assets | 2.7899% | 2,731 |
| Loan and lease loss provision to assets | 0.0716% | 2,330 |
| Net operating income to assets | 1.7985% | 567 |
| Return on assets (ROA) | 1.7967% | 572 |
| Pretax return on assets | 1.8858% | 752 |
| Return on Equity (ROE) | 19.6366% | 275 |
| Retained earnings to average equity (ytd only) | 4.8245% | 3,249 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5406% | 4,280 |
| Assets per employee ($millions) | 5.4300% | 2,004 |
| Cash dividends to net income (ytd only)* | 75.4310% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,902 |
| Loan loss allowance to noncurrent loans | 526.8519% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 3,853 |
| Noncurrent loans to loans | 0.2249% | 3,975 |
| Net loans and leases to total assets | 67.2292% | 2,861 |
| Net loans and leases to deposits | 82.5340% | 2,545 |
| Net loans and leases to core deposits | 105.7592% | 1,256 |
| Total domestic deposits to total assets | 81.4564% | 4,105 |
| Equity capital to assets | 8.9120% | 4,644 |
| Core capital (leverage) ratio | 9.1376% | 4,523 |
| Tier 1 risk-based capital ratio | 12.1839% | 4,443 |
| Total risk-based capital ratio | 13.2839% | 4,419 |
| Memoranda: | ||
| Average total assets | $206,601,000 | 2,872 |
| Average earning assets | $188,311,000 | 2,901 |
| Average equity | $18,903,500 | 3,258 |
| Average total loans | $144,429,000 | 2,754 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 941 |
| Cost of funding earning assets | 0.7648% | 763 |
| Net interest margin | 4.0545% | 1,574 |
| Noninterest income to average assets | 1.3184% | 611 |
| Noninterest expense to average assets | 2.9446% | 2,300 |
| Loan and lease loss provision to assets | 0.0953% | 2,299 |
| Net operating income to assets | 1.8918% | 348 |
| Return on assets (ROA) | 1.8909% | 357 |
| Pretax return on assets | 1.9847% | 508 |
| Return on Equity (ROE) | 20.4165% | 181 |
| Retained earnings to average equity (ytd only) | 7.8239% | 820 |
| Net charge-offs to loans | 0.0608% | 2,598 |
| Credit loss provision to net charge-offs | 218.6047% | 1,250 |
| Earnings coverage of net charge-offs (x) | 47.7209% | 1,124 |
| Efficiency ratio | 58.4098% | 4,481 |
| Assets per employee ($millions) | 5.3008% | 2,148 |
| Cash dividends to net income (ytd only)* | 61.6787% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 3,033 |
| Loan loss allowance to noncurrent loans | 600.7194% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 3,918 |
| Noncurrent loans to loans | 0.1920% | 4,145 |
| Net loans and leases to total assets | 71.0462% | 2,372 |
| Net loans and leases to deposits | 87.1404% | 2,112 |
| Net loans and leases to core deposits | 111.6879% | 916 |
| Total domestic deposits to total assets | 81.5306% | 3,990 |
| Equity capital to assets | 9.3997% | 4,328 |
| Core capital (leverage) ratio | 9.2033% | 4,393 |
| Tier 1 risk-based capital ratio | 12.4327% | 4,246 |
| Total risk-based capital ratio | 13.5437% | 4,243 |
| Memoranda: | ||
| Average total assets | $197,209,800 | 2,947 |
| Average earning assets | $180,318,600 | 2,963 |
| Average equity | $18,264,600 | 3,333 |
| Average total loans | $141,363,400 | 2,758 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 1,026 |
| Cost of funding earning assets | 0.7526% | 749 |
| Net interest margin | 3.9990% | 1,706 |
| Noninterest income to average assets | 1.3343% | 585 |
| Noninterest expense to average assets | 2.9024% | 2,403 |
| Loan and lease loss provision to assets | 0.0918% | 2,243 |
| Net operating income to assets | 1.9106% | 377 |
| Return on assets (ROA) | 1.9093% | 382 |
| Pretax return on assets | 2.0045% | 544 |
| Return on Equity (ROE) | 20.6951% | 190 |
| Retained earnings to average equity (ytd only) | 7.4337% | 1,471 |
| Net charge-offs to loans | 0.0446% | 2,545 |
| Credit loss provision to net charge-offs | 287.2340% | 1,027 |
| Earnings coverage of net charge-offs (x) | 65.6544% | 941 |
| Efficiency ratio | 57.8575% | 4,524 |
| Assets per employee ($millions) | 5.3053% | 2,114 |
| Cash dividends to net income (ytd only)* | 64.0797% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,352 |
| Loan loss allowance to noncurrent loans | 454.9451% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 3,913 |
| Noncurrent loans to loans | 0.2470% | 4,068 |
| Net loans and leases to total assets | 72.2777% | 2,216 |
| Net loans and leases to deposits | 89.8870% | 1,822 |
| Net loans and leases to core deposits | 121.4820% | 535 |
| Total domestic deposits to total assets | 80.4095% | 4,229 |
| Equity capital to assets | 9.3233% | 4,630 |
| Core capital (leverage) ratio | 9.1304% | 4,597 |
| Tier 1 risk-based capital ratio | 12.0565% | 4,569 |
| Total risk-based capital ratio | 13.1496% | 4,577 |
| Memoranda: | ||
| Average total assets | $196,154,500 | 2,984 |
| Average earning assets | $179,809,250 | 2,993 |
| Average equity | $18,097,250 | 3,380 |
| Average total loans | $140,509,500 | 2,792 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 1,105 |
| Cost of funding earning assets | 0.7285% | 766 |
| Net interest margin | 3.9469% | 1,790 |
| Noninterest income to average assets | 1.4511% | 513 |
| Noninterest expense to average assets | 2.9001% | 2,427 |
| Loan and lease loss provision to assets | 0.0926% | 2,137 |
| Net operating income to assets | 1.9780% | 321 |
| Return on assets (ROA) | 1.9790% | 326 |
| Pretax return on assets | 2.0778% | 468 |
| Return on Equity (ROE) | 21.5289% | 156 |
| Retained earnings to average equity (ytd only) | 6.9748% | 1,605 |
| Net charge-offs to loans | 0.0087% | 3,149 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 351.3333% | 241 |
| Efficiency ratio | 57.0240% | 4,705 |
| Assets per employee ($millions) | 5.1687% | 2,188 |
| Cash dividends to net income (ytd only)* | 67.6027% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 3,305 |
| Loan loss allowance to noncurrent loans | 888.1720% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 4,350 |
| Noncurrent loans to loans | 0.1297% | 4,607 |
| Net loans and leases to total assets | 72.1985% | 2,169 |
| Net loans and leases to deposits | 90.0778% | 1,719 |
| Net loans and leases to core deposits | 117.6668% | 653 |
| Total domestic deposits to total assets | 80.1512% | 4,371 |
| Equity capital to assets | 9.3906% | 4,524 |
| Core capital (leverage) ratio | 9.0124% | 4,709 |
| Tier 1 risk-based capital ratio | 12.0992% | 4,570 |
| Total risk-based capital ratio | 13.2174% | 4,539 |
| Memoranda: | ||
| Average total assets | $194,338,330 | 3,015 |
| Average earning assets | $178,166,000 | 3,019 |
| Average equity | $17,864,330 | 3,418 |
| Average total loans | $138,222,670 | 2,833 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 1,241 |
| Cost of funding earning assets | 0.6981% | 852 |
| Net interest margin | 3.8598% | 1,921 |
| Noninterest income to average assets | 1.0905% | 836 |
| Noninterest expense to average assets | 2.9032% | 2,447 |
| Loan and lease loss provision to assets | 0.0931% | 1,982 |
| Net operating income to assets | 1.5416% | 759 |
| Return on assets (ROA) | 1.5416% | 779 |
| Pretax return on assets | 1.6182% | 1,188 |
| Return on Equity (ROE) | 16.9564% | 421 |
| Retained earnings to average equity (ytd only) | 5.5763% | 2,554 |
| Net charge-offs to loans | 0.0177% | 2,433 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 137.8333% | 399 |
| Efficiency ratio | 62.7354% | 4,031 |
| Assets per employee ($millions) | 5.1673% | 2,218 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 3,222 |
| Loan loss allowance to noncurrent loans | 815.7360% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 4,388 |
| Noncurrent loans to loans | 0.1454% | 4,605 |
| Net loans and leases to total assets | 68.1989% | 2,649 |
| Net loans and leases to deposits | 83.6759% | 2,320 |
| Net loans and leases to core deposits | 108.8829% | 927 |
| Total domestic deposits to total assets | 81.5037% | 4,297 |
| Equity capital to assets | 9.0493% | 4,762 |
| Core capital (leverage) ratio | 9.0688% | 4,660 |
| Tier 1 risk-based capital ratio | 12.1509% | 4,621 |
| Total risk-based capital ratio | 13.2673% | 4,600 |
| Memoranda: | ||
| Average total assets | $193,302,500 | 3,055 |
| Average earning assets | $176,486,000 | 3,065 |
| Average equity | $17,574,500 | 3,474 |
| Average total loans | $135,605,500 | 2,878 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 1,006 |
| Cost of funding earning assets | 0.7366% | 672 |
| Net interest margin | 3.9941% | 1,646 |
| Noninterest income to average assets | 1.1775% | 815 |
| Noninterest expense to average assets | 2.9985% | 2,360 |
| Loan and lease loss provision to assets | 0.0999% | 2,385 |
| Net operating income to assets | 1.6385% | 628 |
| Return on assets (ROA) | 1.6369% | 654 |
| Pretax return on assets | 1.7190% | 956 |
| Return on Equity (ROE) | 17.2947% | 377 |
| Retained earnings to average equity (ytd only) | 4.1754% | 2,937 |
| Net charge-offs to loans | 0.0643% | 2,775 |
| Credit loss provision to net charge-offs | 217.6471% | 1,312 |
| Earnings coverage of net charge-offs (x) | 39.6706% | 1,184 |
| Efficiency ratio | 62.0211% | 4,243 |
| Assets per employee ($millions) | 5.1418% | 2,240 |
| Cash dividends to net income (ytd only)* | 75.8575% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 3,397 |
| Loan loss allowance to noncurrent loans | 1,024.8366% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 4,545 |
| Noncurrent loans to loans | 0.1128% | 4,779 |
| Net loans and leases to total assets | 70.4989% | 2,404 |
| Net loans and leases to deposits | 85.9993% | 2,171 |
| Net loans and leases to core deposits | 114.0736% | 694 |
| Total domestic deposits to total assets | 81.9761% | 4,083 |
| Equity capital to assets | 9.1355% | 4,664 |
| Core capital (leverage) ratio | 8.9446% | 4,803 |
| Tier 1 risk-based capital ratio | 12.1363% | 4,637 |
| Total risk-based capital ratio | 13.2388% | 4,619 |
| Memoranda: | ||
| Average total assets | $185,223,800 | 3,108 |
| Average earning assets | $168,874,400 | 3,128 |
| Average equity | $17,531,400 | 3,484 |
| Average total loans | $132,145,200 | 2,887 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 1,003 |
| Cost of funding earning assets | 0.7354% | 680 |
| Net interest margin | 3.9992% | 1,653 |
| Noninterest income to average assets | 1.2074% | 786 |
| Noninterest expense to average assets | 2.9773% | 2,379 |
| Loan and lease loss provision to assets | 0.1073% | 2,136 |
| Net operating income to assets | 1.6784% | 620 |
| Return on assets (ROA) | 1.6763% | 665 |
| Pretax return on assets | 1.7546% | 986 |
| Return on Equity (ROE) | 17.5529% | 390 |
| Retained earnings to average equity (ytd only) | 3.8931% | 3,534 |
| Net charge-offs to loans | 0.0457% | 2,734 |
| Credit loss provision to net charge-offs | 328.8889% | 969 |
| Earnings coverage of net charge-offs (x) | 57.1542% | 995 |
| Efficiency ratio | 61.3024% | 4,334 |
| Assets per employee ($millions) | 4.9502% | 2,418 |
| Cash dividends to net income (ytd only)* | 77.8211% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,644 |
| Loan loss allowance to noncurrent loans | 608.9147% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 4,426 |
| Noncurrent loans to loans | 0.1864% | 4,599 |
| Net loans and leases to total assets | 72.7279% | 2,058 |
| Net loans and leases to deposits | 92.3155% | 1,458 |
| Net loans and leases to core deposits | 120.7860% | 480 |
| Total domestic deposits to total assets | 78.7819% | 4,771 |
| Equity capital to assets | 9.5126% | 4,649 |
| Core capital (leverage) ratio | 9.2489% | 4,534 |
| Tier 1 risk-based capital ratio | 11.7778% | 4,932 |
| Total risk-based capital ratio | 12.8638% | 4,935 |
| Memoranda: | ||
| Average total assets | $183,968,000 | 3,130 |
| Average earning assets | $167,162,750 | 3,163 |
| Average equity | $17,569,250 | 3,504 |
| Average total loans | $131,259,000 | 2,913 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 979 |
| Cost of funding earning assets | 0.7212% | 719 |
| Net interest margin | 4.0139% | 1,600 |
| Noninterest income to average assets | 1.2531% | 723 |
| Noninterest expense to average assets | 2.9553% | 2,503 |
| Loan and lease loss provision to assets | 0.1150% | 1,965 |
| Net operating income to assets | 1.7349% | 542 |
| Return on assets (ROA) | 1.7318% | 575 |
| Pretax return on assets | 1.8128% | 858 |
| Return on Equity (ROE) | 18.1089% | 348 |
| Retained earnings to average equity (ytd only) | 3.2186% | 3,846 |
| Net charge-offs to loans | 0.0543% | 2,427 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 50.3714% | 991 |
| Efficiency ratio | 60.2780% | 4,609 |
| Assets per employee ($millions) | 4.8987% | 2,412 |
| Cash dividends to net income (ytd only)* | 82.2264% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 3,669 |
| Loan loss allowance to noncurrent loans | 796.8912% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 4,452 |
| Noncurrent loans to loans | 0.1439% | 4,858 |
| Net loans and leases to total assets | 71.2026% | 2,298 |
| Net loans and leases to deposits | 90.1512% | 1,738 |
| Net loans and leases to core deposits | 116.8696% | 614 |
| Total domestic deposits to total assets | 78.9814% | 4,791 |
| Equity capital to assets | 9.5638% | 4,701 |
| Core capital (leverage) ratio | 9.1201% | 4,691 |
| Tier 1 risk-based capital ratio | 11.8943% | 4,899 |
| Total risk-based capital ratio | 12.9829% | 4,902 |
| Memoranda: | ||
| Average total assets | $182,588,000 | 3,162 |
| Average earning assets | $165,276,330 | 3,208 |
| Average equity | $17,461,000 | 3,521 |
| Average total loans | $128,886,000 | 2,952 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,130 |
| Cost of funding earning assets | 0.6478% | 1,070 |
| Net interest margin | 4.0113% | 1,579 |
| Noninterest income to average assets | 1.2610% | 687 |
| Noninterest expense to average assets | 2.9932% | 2,413 |
| Loan and lease loss provision to assets | 0.1150% | 1,819 |
| Net operating income to assets | 1.7032% | 573 |
| Return on assets (ROA) | 1.6968% | 622 |
| Pretax return on assets | 1.7765% | 884 |
| Return on Equity (ROE) | 17.7444% | 380 |
| Retained earnings to average equity (ytd only) | 6.1770% | 2,294 |
| Net charge-offs to loans | -0.0032% | 4,183 |
| Credit loss provision to net charge-offs | -5,200.0000% | 5,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9679% | 4,607 |
| Assets per employee ($millions) | 4.7844% | 2,621 |
| Cash dividends to net income (ytd only)* | 65.1890% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 3,437 |
| Loan loss allowance to noncurrent loans | 613.3065% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 4,376 |
| Noncurrent loans to loans | 0.1968% | 4,713 |
| Net loans and leases to total assets | 68.4609% | 2,589 |
| Net loans and leases to deposits | 84.1197% | 2,291 |
| Net loans and leases to core deposits | 109.0841% | 899 |
| Total domestic deposits to total assets | 81.3851% | 4,382 |
| Equity capital to assets | 9.6311% | 4,531 |
| Core capital (leverage) ratio | 9.1054% | 4,731 |
| Tier 1 risk-based capital ratio | 12.1285% | 4,828 |
| Total risk-based capital ratio | 13.2275% | 4,846 |
| Memoranda: | ||
| Average total assets | $180,807,500 | 3,188 |
| Average earning assets | $163,637,500 | 3,231 |
| Average equity | $17,290,000 | 3,543 |
| Average total loans | $126,288,500 | 2,995 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 1,420 |
| Cost of funding earning assets | 0.6209% | 1,227 |
| Net interest margin | 3.9459% | 1,886 |
| Noninterest income to average assets | 1.1105% | 951 |
| Noninterest expense to average assets | 2.9986% | 2,550 |
| Loan and lease loss provision to assets | 0.1175% | 2,026 |
| Net operating income to assets | 1.4855% | 889 |
| Return on assets (ROA) | 1.5242% | 857 |
| Pretax return on assets | 1.5953% | 1,259 |
| Return on Equity (ROE) | 16.4554% | 513 |
| Retained earnings to average equity (ytd only) | 5.2756% | 2,226 |
| Net charge-offs to loans | 0.0281% | 3,659 |
| Credit loss provision to net charge-offs | 617.6471% | 550 |
| Earnings coverage of net charge-offs (x) | 87.8824% | 645 |
| Efficiency ratio | 63.9784% | 4,267 |
| Assets per employee ($millions) | 4.7318% | 2,689 |
| Cash dividends to net income (ytd only)* | 67.9398% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 3,705 |
| Loan loss allowance to noncurrent loans | 630.0429% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 4,571 |
| Noncurrent loans to loans | 0.1841% | 4,751 |
| Net loans and leases to total assets | 69.5861% | 2,434 |
| Net loans and leases to deposits | 84.7532% | 2,275 |
| Net loans and leases to core deposits | 107.1975% | 1,032 |
| Total domestic deposits to total assets | 82.1043% | 4,142 |
| Equity capital to assets | 9.4934% | 4,557 |
| Core capital (leverage) ratio | 9.1746% | 4,652 |
| Tier 1 risk-based capital ratio | 12.1182% | 4,875 |
| Total risk-based capital ratio | 13.1940% | 4,889 |
| Memoranda: | ||
| Average total assets | $178,650,800 | 3,190 |
| Average earning assets | $161,204,800 | 3,242 |
| Average equity | $16,547,800 | 3,593 |
| Average total loans | $120,886,000 | 3,038 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 1,450 |
| Cost of funding earning assets | 0.6200% | 1,275 |
| Net interest margin | 3.9302% | 1,932 |
| Noninterest income to average assets | 1.0600% | 1,068 |
| Noninterest expense to average assets | 3.0058% | 2,506 |
| Loan and lease loss provision to assets | 0.1181% | 1,926 |
| Net operating income to assets | 1.4060% | 1,096 |
| Return on assets (ROA) | 1.4577% | 1,035 |
| Pretax return on assets | 1.5250% | 1,612 |
| Return on Equity (ROE) | 15.8366% | 612 |
| Retained earnings to average equity (ytd only) | 4.4668% | 3,285 |
| Net charge-offs to loans | 0.0156% | 3,642 |
| Credit loss provision to net charge-offs | 1,128.5714% | 333 |
| Earnings coverage of net charge-offs (x) | 151.8265% | 463 |
| Efficiency ratio | 65.1863% | 4,032 |
| Assets per employee ($millions) | 4.6474% | 2,773 |
| Cash dividends to net income (ytd only)* | 71.7947% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 3,624 |
| Loan loss allowance to noncurrent loans | 535.8209% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 4,315 |
| Noncurrent loans to loans | 0.2249% | 4,758 |
| Net loans and leases to total assets | 66.6778% | 2,898 |
| Net loans and leases to deposits | 81.3020% | 2,725 |
| Net loans and leases to core deposits | 100.5019% | 1,473 |
| Total domestic deposits to total assets | 82.0125% | 4,154 |
| Equity capital to assets | 9.4677% | 4,788 |
| Core capital (leverage) ratio | 8.9531% | 5,049 |
| Tier 1 risk-based capital ratio | 12.2924% | 4,895 |
| Total risk-based capital ratio | 13.3813% | 4,912 |
| Memoranda: | ||
| Average total assets | $178,361,250 | 3,216 |
| Average earning assets | $160,430,500 | 3,280 |
| Average equity | $16,417,250 | 3,639 |
| Average total loans | $119,460,000 | 3,080 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 1,523 |
| Cost of funding earning assets | 0.6205% | 1,283 |
| Net interest margin | 3.8842% | 2,036 |
| Noninterest income to average assets | 1.0349% | 1,109 |
| Noninterest expense to average assets | 2.9886% | 2,590 |
| Loan and lease loss provision to assets | 0.1174% | 1,891 |
| Net operating income to assets | 1.3697% | 1,147 |
| Return on assets (ROA) | 1.4105% | 1,107 |
| Pretax return on assets | 1.4764% | 1,711 |
| Return on Equity (ROE) | 15.4692% | 669 |
| Retained earnings to average equity (ytd only) | 3.8244% | 3,569 |
| Net charge-offs to loans | 0.0151% | 3,410 |
| Credit loss provision to net charge-offs | 1,166.6667% | 305 |
| Earnings coverage of net charge-offs (x) | 154.2222% | 424 |
| Efficiency ratio | 65.6081% | 4,083 |
| Assets per employee ($millions) | 4.7299% | 2,633 |
| Cash dividends to net income (ytd only)* | 75.2773% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 4,084 |
| Loan loss allowance to noncurrent loans | 227.5410% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 3,848 |
| Noncurrent loans to loans | 0.5049% | 3,947 |
| Net loans and leases to total assets | 66.4410% | 2,880 |
| Net loans and leases to deposits | 81.4235% | 2,623 |
| Net loans and leases to core deposits | 100.4788% | 1,452 |
| Total domestic deposits to total assets | 81.5992% | 4,419 |
| Equity capital to assets | 9.0443% | 5,193 |
| Core capital (leverage) ratio | 8.8417% | 5,170 |
| Tier 1 risk-based capital ratio | 11.9239% | 5,199 |
| Total risk-based capital ratio | 12.9602% | 5,247 |
| Memoranda: | ||
| Average total assets | $178,948,330 | 3,231 |
| Average earning assets | $161,474,330 | 3,285 |
| Average equity | $16,316,330 | 3,669 |
| Average total loans | $119,550,330 | 3,089 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 1,768 |
| Cost of funding earning assets | 0.6224% | 1,287 |
| Net interest margin | 3.7784% | 2,306 |
| Noninterest income to average assets | 0.9297% | 1,301 |
| Noninterest expense to average assets | 2.9616% | 2,701 |
| Loan and lease loss provision to assets | 0.1165% | 1,769 |
| Net operating income to assets | 1.2366% | 1,442 |
| Return on assets (ROA) | 1.2366% | 1,529 |
| Pretax return on assets | 1.2926% | 2,314 |
| Return on Equity (ROE) | 13.5075% | 981 |
| Retained earnings to average equity (ytd only) | 1.2724% | 4,975 |
| Net charge-offs to loans | -0.0034% | 4,418 |
| Credit loss provision to net charge-offs | -5,200.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5038% | 3,906 |
| Assets per employee ($millions) | 4.6635% | 2,816 |
| Cash dividends to net income (ytd only)* | 90.5797% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 4,322 |
| Loan loss allowance to noncurrent loans | 204.4073% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 4,028 |
| Noncurrent loans to loans | 0.5577% | 3,911 |
| Net loans and leases to total assets | 64.1271% | 3,075 |
| Net loans and leases to deposits | 78.6647% | 2,720 |
| Net loans and leases to core deposits | 95.9074% | 1,622 |
| Total domestic deposits to total assets | 81.5195% | 4,668 |
| Equity capital to assets | 9.0500% | 5,232 |
| Core capital (leverage) ratio | 8.7348% | 5,286 |
| Tier 1 risk-based capital ratio | 11.9135% | 5,297 |
| Total risk-based capital ratio | 11.9135% | 5,877 |
| Memoranda: | ||
| Average total assets | $178,554,000 | 3,255 |
| Average earning assets | $162,607,500 | 3,288 |
| Average equity | $16,346,500 | 3,688 |
| Average total loans | $118,922,000 | 3,108 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 1,273 |
| Cost of funding earning assets | 0.6760% | 1,232 |
| Net interest margin | 4.0363% | 1,786 |
| Noninterest income to average assets | 1.1366% | 941 |
| Noninterest expense to average assets | 3.0487% | 2,694 |
| Loan and lease loss provision to assets | 0.1600% | 1,642 |
| Net operating income to assets | 1.5039% | 871 |
| Return on assets (ROA) | 1.5360% | 847 |
| Pretax return on assets | 1.6105% | 1,207 |
| Return on Equity (ROE) | 17.6239% | 432 |
| Retained earnings to average equity (ytd only) | 6.1147% | 1,850 |
| Net charge-offs to loans | 0.1337% | 2,679 |
| Credit loss provision to net charge-offs | 174.4966% | 1,394 |
| Earnings coverage of net charge-offs (x) | 18.9396% | 1,811 |
| Efficiency ratio | 63.4774% | 4,674 |
| Assets per employee ($millions) | 4.4931% | 3,052 |
| Cash dividends to net income (ytd only)* | 65.3045% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 4,652 |
| Loan loss allowance to noncurrent loans | 191.1243% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 3,991 |
| Noncurrent loans to loans | 0.5640% | 3,977 |
| Net loans and leases to total assets | 67.6676% | 2,614 |
| Net loans and leases to deposits | 83.5005% | 2,275 |
| Net loans and leases to core deposits | 102.3787% | 1,220 |
| Total domestic deposits to total assets | 81.0386% | 4,735 |
| Equity capital to assets | 9.2638% | 4,988 |
| Core capital (leverage) ratio | 9.0647% | 4,883 |
| Tier 1 risk-based capital ratio | 12.1886% | 5,237 |
| Total risk-based capital ratio | 13.1989% | 5,299 |
| Memoranda: | ||
| Average total assets | $162,496,600 | 3,460 |
| Average earning assets | $146,890,600 | 3,497 |
| Average equity | $14,162,600 | 3,995 |
| Average total loans | $111,415,000 | 3,192 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7458% | 1,200 |
| Cost of funding earning assets | 0.6859% | 1,227 |
| Net interest margin | 4.0599% | 1,693 |
| Noninterest income to average assets | 1.1298% | 948 |
| Noninterest expense to average assets | 3.0438% | 2,664 |
| Loan and lease loss provision to assets | 0.1732% | 1,420 |
| Net operating income to assets | 1.5025% | 943 |
| Return on assets (ROA) | 1.5098% | 950 |
| Pretax return on assets | 1.5809% | 1,385 |
| Return on Equity (ROE) | 17.6275% | 478 |
| Retained earnings to average equity (ytd only) | 5.0225% | 3,062 |
| Net charge-offs to loans | 0.0195% | 4,143 |
| Credit loss provision to net charge-offs | 1,293.7500% | 263 |
| Earnings coverage of net charge-offs (x) | 130.4548% | 458 |
| Efficiency ratio | 63.2949% | 4,666 |
| Assets per employee ($millions) | 4.1445% | 3,574 |
| Cash dividends to net income (ytd only)* | 71.5080% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 4,465 |
| Loan loss allowance to noncurrent loans | 204.7761% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 4,197 |
| Noncurrent loans to loans | 0.5650% | 4,225 |
| Net loans and leases to total assets | 70.6991% | 2,079 |
| Net loans and leases to deposits | 87.5180% | 1,728 |
| Net loans and leases to core deposits | 110.3023% | 734 |
| Total domestic deposits to total assets | 80.7824% | 4,885 |
| Equity capital to assets | 9.6188% | 4,646 |
| Core capital (leverage) ratio | 9.1761% | 4,815 |
| Tier 1 risk-based capital ratio | 12.1781% | 5,382 |
| Total risk-based capital ratio | 13.2751% | 5,381 |
| Memoranda: | ||
| Average total assets | $159,313,250 | 3,526 |
| Average earning assets | $143,644,750 | 3,579 |
| Average equity | $13,645,000 | 4,102 |
| Average total loans | $109,302,250 | 3,257 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 1,185 |
| Cost of funding earning assets | 0.6832% | 1,290 |
| Net interest margin | 4.0638% | 1,624 |
| Noninterest income to average assets | 1.1250% | 932 |
| Noninterest expense to average assets | 3.0161% | 2,778 |
| Loan and lease loss provision to assets | 0.1336% | 1,854 |
| Net operating income to assets | 1.5518% | 791 |
| Return on assets (ROA) | 1.5628% | 803 |
| Pretax return on assets | 1.6353% | 1,169 |
| Return on Equity (ROE) | 19.0713% | 357 |
| Retained earnings to average equity (ytd only) | 8.6659% | 1,085 |
| Net charge-offs to loans | 0.0414% | 3,404 |
| Credit loss provision to net charge-offs | 477.2727% | 612 |
| Earnings coverage of net charge-offs (x) | 62.7727% | 782 |
| Efficiency ratio | 62.9432% | 4,865 |
| Assets per employee ($millions) | 4.0158% | 3,805 |
| Cash dividends to net income (ytd only)* | 54.5603% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 4,723 |
| Loan loss allowance to noncurrent loans | 256.9106% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 4,600 |
| Noncurrent loans to loans | 0.4428% | 4,656 |
| Net loans and leases to total assets | 68.3901% | 2,349 |
| Net loans and leases to deposits | 82.3707% | 2,209 |
| Net loans and leases to core deposits | 103.1802% | 1,068 |
| Total domestic deposits to total assets | 83.0271% | 4,298 |
| Equity capital to assets | 8.4204% | 5,866 |
| Core capital (leverage) ratio | 8.0043% | 6,100 |
| Tier 1 risk-based capital ratio | 10.9125% | 6,087 |
| Total risk-based capital ratio | 11.9843% | 6,110 |
| Memoranda: | ||
| Average total assets | $157,157,670 | 3,578 |
| Average earning assets | $141,100,330 | 3,630 |
| Average equity | $12,878,000 | 4,246 |
| Average total loans | $106,210,670 | 3,330 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 1,321 |
| Cost of funding earning assets | 0.6793% | 1,369 |
| Net interest margin | 3.9927% | 1,797 |
| Noninterest income to average assets | 1.0990% | 925 |
| Noninterest expense to average assets | 3.0704% | 2,620 |
| Loan and lease loss provision to assets | 0.1364% | 1,777 |
| Net operating income to assets | 1.4129% | 966 |
| Return on assets (ROA) | 1.4129% | 1,009 |
| Pretax return on assets | 1.4773% | 1,496 |
| Return on Equity (ROE) | 17.4924% | 486 |
| Retained earnings to average equity (ytd only) | 6.3406% | 2,357 |
| Net charge-offs to loans | 0.0887% | 2,277 |
| Credit loss provision to net charge-offs | 230.4348% | 949 |
| Earnings coverage of net charge-offs (x) | 27.2609% | 1,112 |
| Efficiency ratio | 65.2747% | 4,647 |
| Assets per employee ($millions) | 4.1427% | 3,634 |
| Cash dividends to net income (ytd only)* | 63.7523% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 4,790 |
| Loan loss allowance to noncurrent loans | 225.0929% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 4,447 |
| Noncurrent loans to loans | 0.5185% | 4,617 |
| Net loans and leases to total assets | 65.1444% | 2,709 |
| Net loans and leases to deposits | 76.9435% | 2,690 |
| Net loans and leases to core deposits | 94.7406% | 1,489 |
| Total domestic deposits to total assets | 84.6653% | 4,012 |
| Equity capital to assets | 8.1419% | 5,948 |
| Core capital (leverage) ratio | 7.9838% | 6,131 |
| Tier 1 risk-based capital ratio | 11.2211% | 6,061 |
| Total risk-based capital ratio | 12.3077% | 6,082 |
| Memoranda: | ||
| Average total assets | $155,420,000 | 3,630 |
| Average earning assets | $139,553,500 | 3,674 |
| Average equity | $12,554,000 | 4,328 |
| Average total loans | $103,755,500 | 3,394 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 1,327 |
| Cost of funding earning assets | 0.7847% | 1,293 |
| Net interest margin | 4.0123% | 1,917 |
| Noninterest income to average assets | 1.1002% | 1,156 |
| Noninterest expense to average assets | 3.0029% | 3,051 |
| Loan and lease loss provision to assets | 0.1342% | 2,633 |
| Net operating income to assets | 1.4960% | 833 |
| Return on assets (ROA) | 1.5115% | 837 |
| Pretax return on assets | 1.5813% | 1,220 |
| Return on Equity (ROE) | 18.1194% | 399 |
| Retained earnings to average equity (ytd only) | 4.2866% | 3,123 |
| Net charge-offs to loans | 0.1314% | 3,496 |
| Credit loss provision to net charge-offs | 156.2500% | 1,479 |
| Earnings coverage of net charge-offs (x) | 19.7891% | 1,587 |
| Efficiency ratio | 63.6039% | 4,971 |
| Assets per employee ($millions) | 4.1465% | 3,538 |
| Cash dividends to net income (ytd only)* | 76.3427% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 4,960 |
| Loan loss allowance to noncurrent loans | 144.5532% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6355% | 4,325 |
| Noncurrent loans to loans | 0.7875% | 4,005 |
| Net loans and leases to total assets | 66.8548% | 2,548 |
| Net loans and leases to deposits | 79.3434% | 2,545 |
| Net loans and leases to core deposits | 95.6800% | 1,475 |
| Total domestic deposits to total assets | 84.2601% | 4,071 |
| Equity capital to assets | 8.0114% | 6,010 |
| Core capital (leverage) ratio | 7.8748% | 6,208 |
| Tier 1 risk-based capital ratio | 11.1966% | 6,078 |
| Total risk-based capital ratio | 12.2714% | 6,107 |
| Memoranda: | ||
| Average total assets | $149,057,600 | 3,721 |
| Average earning assets | $133,814,200 | 3,757 |
| Average equity | $12,434,200 | 4,368 |
| Average total loans | $97,430,000 | 3,518 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 1,359 |
| Cost of funding earning assets | 0.7958% | 1,349 |
| Net interest margin | 3.9983% | 1,950 |
| Noninterest income to average assets | 1.0957% | 1,213 |
| Noninterest expense to average assets | 2.9853% | 3,041 |
| Loan and lease loss provision to assets | 0.1018% | 3,069 |
| Net operating income to assets | 1.5277% | 856 |
| Return on assets (ROA) | 1.5363% | 883 |
| Pretax return on assets | 1.6075% | 1,322 |
| Return on Equity (ROE) | 18.2300% | 419 |
| Retained earnings to average equity (ytd only) | 3.2611% | 4,355 |
| Net charge-offs to loans | 0.1155% | 3,391 |
| Credit loss provision to net charge-offs | 136.1446% | 1,728 |
| Earnings coverage of net charge-offs (x) | 22.7358% | 1,482 |
| Efficiency ratio | 63.4423% | 4,893 |
| Assets per employee ($millions) | 4.1934% | 3,439 |
| Cash dividends to net income (ytd only)* | 82.1113% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 5,167 |
| Loan loss allowance to noncurrent loans | 143.8131% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 4,557 |
| Noncurrent loans to loans | 0.7925% | 4,260 |
| Net loans and leases to total assets | 65.4427% | 2,727 |
| Net loans and leases to deposits | 79.3837% | 2,495 |
| Net loans and leases to core deposits | 94.6801% | 1,506 |
| Total domestic deposits to total assets | 82.4385% | 4,783 |
| Equity capital to assets | 8.0769% | 6,096 |
| Core capital (leverage) ratio | 7.9506% | 6,257 |
| Tier 1 risk-based capital ratio | 11.1950% | 6,189 |
| Total risk-based capital ratio | 12.2515% | 6,246 |
| Memoranda: | ||
| Average total assets | $147,967,250 | 3,778 |
| Average earning assets | $132,854,000 | 3,821 |
| Average equity | $12,470,000 | 4,403 |
| Average total loans | $95,850,250 | 3,581 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8107% | 1,309 |
| Cost of funding earning assets | 0.8129% | 1,351 |
| Net interest margin | 3.9978% | 1,860 |
| Noninterest income to average assets | 1.1023% | 1,246 |
| Noninterest expense to average assets | 2.9857% | 3,047 |
| Loan and lease loss provision to assets | 0.1021% | 3,090 |
| Net operating income to assets | 1.5247% | 862 |
| Return on assets (ROA) | 1.5377% | 903 |
| Pretax return on assets | 1.6085% | 1,348 |
| Return on Equity (ROE) | 17.9903% | 457 |
| Retained earnings to average equity (ytd only) | 5.2538% | 2,889 |
| Net charge-offs to loans | 0.1460% | 2,939 |
| Credit loss provision to net charge-offs | 108.6957% | 2,042 |
| Earnings coverage of net charge-offs (x) | 18.0725% | 1,570 |
| Efficiency ratio | 63.4990% | 4,932 |
| Assets per employee ($millions) | 4.0689% | 3,648 |
| Cash dividends to net income (ytd only)* | 70.7965% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 5,220 |
| Loan loss allowance to noncurrent loans | 148.6667% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 4,686 |
| Noncurrent loans to loans | 0.7761% | 4,364 |
| Net loans and leases to total assets | 65.2089% | 2,730 |
| Net loans and leases to deposits | 79.0666% | 2,448 |
| Net loans and leases to core deposits | 94.1611% | 1,506 |
| Total domestic deposits to total assets | 82.4734% | 4,890 |
| Equity capital to assets | 8.1841% | 6,067 |
| Core capital (leverage) ratio | 8.1426% | 6,066 |
| Tier 1 risk-based capital ratio | 11.5675% | 6,075 |
| Total risk-based capital ratio | 12.6342% | 6,129 |
| Memoranda: | ||
| Average total assets | $146,969,330 | 3,819 |
| Average earning assets | $131,622,670 | 3,874 |
| Average equity | $12,562,330 | 4,415 |
| Average total loans | $94,489,670 | 3,620 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 1,409 |
| Cost of funding earning assets | 0.8244% | 1,397 |
| Net interest margin | 3.9241% | 2,035 |
| Noninterest income to average assets | 1.0325% | 1,390 |
| Noninterest expense to average assets | 2.8992% | 3,347 |
| Loan and lease loss provision to assets | 0.1005% | 2,999 |
| Net operating income to assets | 1.4700% | 911 |
| Return on assets (ROA) | 1.4700% | 993 |
| Pretax return on assets | 1.5379% | 1,460 |
| Return on Equity (ROE) | 16.8411% | 525 |
| Retained earnings to average equity (ytd only) | 6.8796% | 2,214 |
| Net charge-offs to loans | 0.3040% | 1,746 |
| Credit loss provision to net charge-offs | 52.1127% | 2,573 |
| Earnings coverage of net charge-offs (x) | 8.4930% | 1,940 |
| Efficiency ratio | 63.5928% | 5,068 |
| Assets per employee ($millions) | 4.3551% | 3,235 |
| Cash dividends to net income (ytd only)* | 59.1497% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,364 |
| Loan loss allowance to noncurrent loans | 117.1024% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.7260% | 4,551 |
| Noncurrent loans to loans | 0.9911% | 4,147 |
| Net loans and leases to total assets | 61.8274% | 3,096 |
| Net loans and leases to deposits | 75.9554% | 2,640 |
| Net loans and leases to core deposits | 89.1838% | 1,783 |
| Total domestic deposits to total assets | 81.3996% | 5,392 |
| Equity capital to assets | 8.7282% | 5,785 |
| Core capital (leverage) ratio | 8.1294% | 6,017 |
| Tier 1 risk-based capital ratio | 12.0000% | 5,915 |
| Total risk-based capital ratio | 13.0772% | 5,993 |
| Memoranda: | ||
| Average total assets | $147,214,000 | 3,857 |
| Average earning assets | $131,494,500 | 3,910 |
| Average equity | $12,849,500 | 4,408 |
| Average total loans | $93,418,000 | 3,667 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 1,489 |
| Cost of funding earning assets | 0.9816% | 1,456 |
| Net interest margin | 4.0441% | 2,220 |
| Noninterest income to average assets | 1.1208% | 1,236 |
| Noninterest expense to average assets | 2.9428% | 3,490 |
| Loan and lease loss provision to assets | 0.0913% | 4,538 |
| Net operating income to assets | 1.6312% | 715 |
| Return on assets (ROA) | 1.6766% | 726 |
| Pretax return on assets | 1.7560% | 1,010 |
| Return on Equity (ROE) | 19.2708% | 336 |
| Retained earnings to average equity (ytd only) | 5.5406% | 2,354 |
| Net charge-offs to loans | 0.0397% | 5,364 |
| Credit loss provision to net charge-offs | 361.1111% | 676 |
| Earnings coverage of net charge-offs (x) | 71.1389% | 518 |
| Efficiency ratio | 61.7869% | 5,268 |
| Assets per employee ($millions) | 4.3046% | 3,348 |
| Cash dividends to net income (ytd only)* | 71.2490% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 5,227 |
| Loan loss allowance to noncurrent loans | 92.3397% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 3,844 |
| Noncurrent loans to loans | 1.2748% | 3,706 |
| Net loans and leases to total assets | 63.6141% | 2,965 |
| Net loans and leases to deposits | 79.0670% | 2,396 |
| Net loans and leases to core deposits | 92.8504% | 1,565 |
| Total domestic deposits to total assets | 80.4559% | 5,553 |
| Equity capital to assets | 8.7287% | 5,821 |
| Core capital (leverage) ratio | 8.2115% | 5,986 |
| Tier 1 risk-based capital ratio | 11.6926% | 5,959 |
| Total risk-based capital ratio | 12.7962% | 6,033 |
| Memoranda: | ||
| Average total assets | $142,314,600 | 3,911 |
| Average earning assets | $127,446,000 | 3,959 |
| Average equity | $12,381,400 | 4,479 |
| Average total loans | $90,640,000 | 3,733 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0324% | 1,602 |
| Cost of funding earning assets | 1.0166% | 1,466 |
| Net interest margin | 4.0158% | 2,445 |
| Noninterest income to average assets | 1.1049% | 1,232 |
| Noninterest expense to average assets | 2.9477% | 3,416 |
| Loan and lease loss provision to assets | 0.0944% | 4,406 |
| Net operating income to assets | 1.5821% | 886 |
| Return on assets (ROA) | 1.6437% | 849 |
| Pretax return on assets | 1.7201% | 1,215 |
| Return on Equity (ROE) | 18.9091% | 401 |
| Retained earnings to average equity (ytd only) | 4.2551% | 3,900 |
| Net charge-offs to loans | 0.0461% | 5,005 |
| Credit loss provision to net charge-offs | 322.5806% | 831 |
| Earnings coverage of net charge-offs (x) | 59.8420% | 651 |
| Efficiency ratio | 62.4824% | 5,073 |
| Assets per employee ($millions) | 4.1551% | 3,558 |
| Cash dividends to net income (ytd only)* | 77.4973% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 5,364 |
| Loan loss allowance to noncurrent loans | 100.2775% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 4,220 |
| Noncurrent loans to loans | 1.1785% | 4,093 |
| Net loans and leases to total assets | 64.1620% | 3,000 |
| Net loans and leases to deposits | 79.7612% | 2,426 |
| Net loans and leases to core deposits | 90.8310% | 1,890 |
| Total domestic deposits to total assets | 80.4427% | 5,534 |
| Equity capital to assets | 8.9013% | 5,919 |
| Core capital (leverage) ratio | 7.9989% | 6,329 |
| Tier 1 risk-based capital ratio | 11.6438% | 6,150 |
| Total risk-based capital ratio | 12.7459% | 6,197 |
| Memoranda: | ||
| Average total assets | $141,304,250 | 3,969 |
| Average earning assets | $126,432,000 | 4,008 |
| Average equity | $12,283,000 | 4,544 |
| Average total loans | $89,747,000 | 3,798 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 1,701 |
| Cost of funding earning assets | 1.0478% | 1,482 |
| Net interest margin | 3.9866% | 2,564 |
| Noninterest income to average assets | 1.0827% | 1,220 |
| Noninterest expense to average assets | 2.9664% | 3,386 |
| Loan and lease loss provision to assets | 0.0991% | 4,292 |
| Net operating income to assets | 1.5012% | 988 |
| Return on assets (ROA) | 1.5936% | 947 |
| Pretax return on assets | 1.6672% | 1,349 |
| Return on Equity (ROE) | 18.4807% | 453 |
| Retained earnings to average equity (ytd only) | 6.9918% | 2,108 |
| Net charge-offs to loans | 0.0718% | 4,428 |
| Credit loss provision to net charge-offs | 218.7500% | 1,300 |
| Earnings coverage of net charge-offs (x) | 36.8750% | 933 |
| Efficiency ratio | 63.7057% | 4,946 |
| Assets per employee ($millions) | 4.2766% | 3,296 |
| Cash dividends to net income (ytd only)* | 62.1670% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 5,464 |
| Loan loss allowance to noncurrent loans | 69.7351% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5708% | 3,354 |
| Noncurrent loans to loans | 1.6839% | 3,371 |
| Net loans and leases to total assets | 60.9485% | 3,633 |
| Net loans and leases to deposits | 75.3958% | 3,063 |
| Net loans and leases to core deposits | 84.9511% | 2,569 |
| Total domestic deposits to total assets | 80.8381% | 5,523 |
| Equity capital to assets | 8.5741% | 6,143 |
| Core capital (leverage) ratio | 8.0278% | 6,245 |
| Tier 1 risk-based capital ratio | 11.7593% | 6,083 |
| Total risk-based capital ratio | 12.8379% | 6,153 |
| Memoranda: | ||
| Average total assets | $141,315,000 | 3,984 |
| Average earning assets | $125,973,330 | 4,032 |
| Average equity | $12,185,670 | 4,566 |
| Average total loans | $89,087,000 | 3,829 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 1,734 |
| Cost of funding earning assets | 1.0929% | 1,435 |
| Net interest margin | 3.9537% | 2,696 |
| Noninterest income to average assets | 1.0569% | 1,291 |
| Noninterest expense to average assets | 2.9784% | 3,336 |
| Loan and lease loss provision to assets | 0.1149% | 3,920 |
| Net operating income to assets | 1.4294% | 1,168 |
| Return on assets (ROA) | 1.4763% | 1,194 |
| Pretax return on assets | 1.5452% | 1,756 |
| Return on Equity (ROE) | 17.0693% | 658 |
| Retained earnings to average equity (ytd only) | 5.4462% | 3,294 |
| Net charge-offs to loans | 0.1306% | 3,322 |
| Credit loss provision to net charge-offs | 137.9310% | 1,784 |
| Earnings coverage of net charge-offs (x) | 19.3448% | 1,231 |
| Efficiency ratio | 64.6433% | 4,811 |
| Assets per employee ($millions) | 4.1493% | 3,691 |
| Cash dividends to net income (ytd only)* | 68.0934% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 5,656 |
| Loan loss allowance to noncurrent loans | 106.7638% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 4,085 |
| Noncurrent loans to loans | 1.0911% | 4,507 |
| Net loans and leases to total assets | 61.7026% | 3,318 |
| Net loans and leases to deposits | 77.1515% | 2,655 |
| Net loans and leases to core deposits | 86.2398% | 2,265 |
| Total domestic deposits to total assets | 79.9759% | 5,856 |
| Equity capital to assets | 8.5727% | 6,016 |
| Core capital (leverage) ratio | 8.0310% | 6,230 |
| Tier 1 risk-based capital ratio | 11.7341% | 6,139 |
| Total risk-based capital ratio | 12.8076% | 6,223 |
| Memoranda: | ||
| Average total assets | $139,271,000 | 4,049 |
| Average earning assets | $124,440,000 | 4,103 |
| Average equity | $12,045,000 | 4,603 |
| Average total loans | $88,793,500 | 3,857 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5237% | 1,114 |
| Cost of funding earning assets | 1.2640% | 1,660 |
| Net interest margin | 4.2597% | 1,842 |
| Noninterest income to average assets | 1.0996% | 1,099 |
| Noninterest expense to average assets | 3.0725% | 3,298 |
| Loan and lease loss provision to assets | 0.1425% | 4,833 |
| Net operating income to assets | 1.5951% | 667 |
| Return on assets (ROA) | 1.6309% | 678 |
| Pretax return on assets | 1.7076% | 973 |
| Return on Equity (ROE) | 19.7326% | 274 |
| Retained earnings to average equity (ytd only) | 7.4716% | 1,282 |
| Net charge-offs to loans | 0.0370% | 5,947 |
| Credit loss provision to net charge-offs | 580.6452% | 395 |
| Earnings coverage of net charge-offs (x) | 73.8710% | 409 |
| Efficiency ratio | 62.7451% | 5,341 |
| Assets per employee ($millions) | 4.0431% | 3,757 |
| Cash dividends to net income (ytd only)* | 62.1359% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,686 |
| Loan loss allowance to noncurrent loans | 130.7990% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.2279% | 4,183 |
| Noncurrent loans to loans | 0.8669% | 4,951 |
| Net loans and leases to total assets | 64.3784% | 3,097 |
| Net loans and leases to deposits | 82.0986% | 2,186 |
| Net loans and leases to core deposits | 92.0025% | 1,886 |
| Total domestic deposits to total assets | 78.4159% | 6,116 |
| Equity capital to assets | 8.7265% | 5,870 |
| Core capital (leverage) ratio | 8.0918% | 6,151 |
| Tier 1 risk-based capital ratio | 11.5782% | 6,113 |
| Total risk-based capital ratio | 12.6420% | 6,220 |
| Memoranda: | ||
| Average total assets | $126,314,000 | 4,243 |
| Average earning assets | $112,262,400 | 4,327 |
| Average equity | $10,439,600 | 4,917 |
| Average total loans | $83,753,200 | 4,029 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5301% | 1,183 |
| Cost of funding earning assets | 1.2920% | 1,750 |
| Net interest margin | 4.2381% | 1,957 |
| Noninterest income to average assets | 1.0686% | 1,176 |
| Noninterest expense to average assets | 3.0708% | 3,278 |
| Loan and lease loss provision to assets | 0.1943% | 4,076 |
| Net operating income to assets | 1.4980% | 935 |
| Return on assets (ROA) | 1.5467% | 929 |
| Pretax return on assets | 1.6180% | 1,336 |
| Return on Equity (ROE) | 19.0102% | 383 |
| Retained earnings to average equity (ytd only) | 6.2748% | 2,386 |
| Net charge-offs to loans | 0.0389% | 5,605 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 67.9984% | 487 |
| Efficiency ratio | 63.5470% | 5,146 |
| Assets per employee ($millions) | 3.9268% | 4,015 |
| Cash dividends to net income (ytd only)* | 66.9924% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 5,680 |
| Loan loss allowance to noncurrent loans | 100.6897% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.5744% | 3,731 |
| Noncurrent loans to loans | 1.1417% | 4,633 |
| Net loans and leases to total assets | 65.8235% | 2,942 |
| Net loans and leases to deposits | 83.4609% | 2,100 |
| Net loans and leases to core deposits | 93.7948% | 1,811 |
| Total domestic deposits to total assets | 78.8675% | 6,015 |
| Equity capital to assets | 8.7701% | 6,014 |
| Core capital (leverage) ratio | 8.2057% | 6,127 |
| Tier 1 risk-based capital ratio | 11.3890% | 6,302 |
| Total risk-based capital ratio | 12.4737% | 6,397 |
| Memoranda: | ||
| Average total assets | $123,525,750 | 4,330 |
| Average earning assets | $109,700,000 | 4,424 |
| Average equity | $10,050,500 | 5,024 |
| Average total loans | $82,313,000 | 4,114 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5323% | 1,229 |
| Cost of funding earning assets | 1.3157% | 1,847 |
| Net interest margin | 4.2166% | 1,970 |
| Noninterest income to average assets | 1.0266% | 1,256 |
| Noninterest expense to average assets | 2.9651% | 3,774 |
| Loan and lease loss provision to assets | 0.1498% | 4,439 |
| Net operating income to assets | 1.5874% | 752 |
| Return on assets (ROA) | 1.5874% | 795 |
| Pretax return on assets | 1.6606% | 1,131 |
| Return on Equity (ROE) | 20.0891% | 305 |
| Retained earnings to average equity (ytd only) | 6.6121% | 2,075 |
| Net charge-offs to loans | 0.0424% | 5,263 |
| Credit loss provision to net charge-offs | 529.4118% | 580 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 512 |
| Efficiency ratio | 62.0906% | 5,572 |
| Assets per employee ($millions) | 4.0254% | 3,703 |
| Cash dividends to net income (ytd only)* | 67.0860% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 5,694 |
| Loan loss allowance to noncurrent loans | 95.4268% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 3,888 |
| Noncurrent loans to loans | 1.2203% | 4,625 |
| Net loans and leases to total assets | 65.9929% | 3,033 |
| Net loans and leases to deposits | 83.6473% | 2,159 |
| Net loans and leases to core deposits | 93.6773% | 1,938 |
| Total domestic deposits to total assets | 78.8942% | 6,108 |
| Equity capital to assets | 8.1432% | 6,556 |
| Core capital (leverage) ratio | 7.7602% | 6,539 |
| Tier 1 risk-based capital ratio | 10.9609% | 6,562 |
| Total risk-based capital ratio | 12.0487% | 6,636 |
| Memoranda: | ||
| Average total assets | $120,197,670 | 4,445 |
| Average earning assets | $106,863,670 | 4,536 |
| Average equity | $9,497,670 | 5,184 |
| Average total loans | $80,116,330 | 4,211 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4746% | 1,369 |
| Cost of funding earning assets | 1.3200% | 2,067 |
| Net interest margin | 4.1546% | 2,066 |
| Noninterest income to average assets | 1.0141% | 1,285 |
| Noninterest expense to average assets | 2.9788% | 3,734 |
| Loan and lease loss provision to assets | 0.1501% | 4,141 |
| Net operating income to assets | 1.5211% | 840 |
| Return on assets (ROA) | 1.5211% | 879 |
| Pretax return on assets | 1.5911% | 1,215 |
| Return on Equity (ROE) | 19.5509% | 360 |
| Retained earnings to average equity (ytd only) | 5.8310% | 2,737 |
| Net charge-offs to loans | 0.0551% | 4,383 |
| Credit loss provision to net charge-offs | 409.0909% | 826 |
| Earnings coverage of net charge-offs (x) | 47.4545% | 599 |
| Efficiency ratio | 63.1095% | 5,502 |
| Assets per employee ($millions) | 4.2099% | 3,448 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,922 |
| Loan loss allowance to noncurrent loans | 143.7700% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 1.2458% | 4,457 |
| Noncurrent loans to loans | 0.7870% | 5,462 |
| Net loans and leases to total assets | 64.4117% | 3,369 |
| Net loans and leases to deposits | 80.7730% | 2,558 |
| Net loans and leases to core deposits | 90.6972% | 2,277 |
| Total domestic deposits to total assets | 79.7441% | 6,007 |
| Equity capital to assets | 7.6895% | 6,753 |
| Core capital (leverage) ratio | 7.5770% | 6,678 |
| Tier 1 risk-based capital ratio | 10.8463% | 6,612 |
| Total risk-based capital ratio | 11.8978% | 6,710 |
| Memoranda: | ||
| Average total assets | $119,915,000 | 4,483 |
| Average earning assets | $106,966,500 | 4,559 |
| Average equity | $9,329,500 | 5,221 |
| Average total loans | $79,857,500 | 4,259 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9074% | 1,027 |
| Cost of funding earning assets | 1.5140% | 2,560 |
| Net interest margin | 4.3934% | 1,497 |
| Noninterest income to average assets | 1.1190% | 1,179 |
| Noninterest expense to average assets | 3.2753% | 2,816 |
| Loan and lease loss provision to assets | 0.0981% | 6,164 |
| Net operating income to assets | 1.6408% | 579 |
| Return on assets (ROA) | 1.6722% | 589 |
| Pretax return on assets | 1.7503% | 849 |
| Return on Equity (ROE) | 19.9229% | 257 |
| Retained earnings to average equity (ytd only) | 6.0710% | 1,776 |
| Net charge-offs to loans | 0.2241% | 4,945 |
| Credit loss provision to net charge-offs | 62.4277% | 6,044 |
| Earnings coverage of net charge-offs (x) | 11.5549% | 1,593 |
| Efficiency ratio | 64.3354% | 5,294 |
| Assets per employee ($millions) | 4.2051% | 3,374 |
| Cash dividends to net income (ytd only)* | 69.5274% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 6,027 |
| Loan loss allowance to noncurrent loans | 173.2000% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 1.4515% | 4,152 |
| Noncurrent loans to loans | 0.6236% | 5,807 |
| Net loans and leases to total assets | 67.3591% | 3,136 |
| Net loans and leases to deposits | 85.5150% | 2,182 |
| Net loans and leases to core deposits | 97.7989% | 1,814 |
| Total domestic deposits to total assets | 78.7688% | 6,145 |
| Equity capital to assets | 7.8740% | 6,617 |
| Core capital (leverage) ratio | 7.9689% | 6,247 |
| Tier 1 risk-based capital ratio | 10.7505% | 6,530 |
| Total risk-based capital ratio | 11.7682% | 6,670 |
| Memoranda: | ||
| Average total assets | $110,096,400 | 4,710 |
| Average earning assets | $99,536,200 | 4,737 |
| Average equity | $9,240,600 | 5,345 |
| Average total loans | $77,210,200 | 4,415 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9356% | 1,062 |
| Cost of funding earning assets | 1.5493% | 2,683 |
| Net interest margin | 4.3863% | 1,566 |
| Noninterest income to average assets | 1.1067% | 1,150 |
| Noninterest expense to average assets | 3.1723% | 3,021 |
| Loan and lease loss provision to assets | 0.1331% | 5,695 |
| Net operating income to assets | 1.7097% | 612 |
| Return on assets (ROA) | 1.7168% | 655 |
| Pretax return on assets | 1.7969% | 930 |
| Return on Equity (ROE) | 20.1158% | 303 |
| Retained earnings to average equity (ytd only) | 6.2528% | 2,231 |
| Net charge-offs to loans | 0.1988% | 4,756 |
| Credit loss provision to net charge-offs | 94.7368% | 4,574 |
| Earnings coverage of net charge-offs (x) | 13.6839% | 1,566 |
| Efficiency ratio | 62.2642% | 5,572 |
| Assets per employee ($millions) | 3.8689% | 4,099 |
| Cash dividends to net income (ytd only)* | 68.9160% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 5,586 |
| Loan loss allowance to noncurrent loans | 98.4043% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.8629% | 3,659 |
| Noncurrent loans to loans | 1.2003% | 4,841 |
| Net loans and leases to total assets | 71.4395% | 2,370 |
| Net loans and leases to deposits | 93.0973% | 1,319 |
| Net loans and leases to core deposits | 106.6258% | 1,273 |
| Total domestic deposits to total assets | 76.7364% | 6,540 |
| Equity capital to assets | 8.7420% | 5,953 |
| Core capital (leverage) ratio | 8.2449% | 5,965 |
| Tier 1 risk-based capital ratio | 11.0249% | 6,351 |
| Total risk-based capital ratio | 12.1555% | 6,440 |
| Memoranda: | ||
| Average total assets | $108,185,000 | 4,832 |
| Average earning assets | $98,363,750 | 4,828 |
| Average equity | $9,233,000 | 5,419 |
| Average total loans | $76,468,750 | 4,511 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9206% | 1,136 |
| Cost of funding earning assets | 1.5642% | 2,872 |
| Net interest margin | 4.3563% | 1,573 |
| Noninterest income to average assets | 1.1152% | 1,053 |
| Noninterest expense to average assets | 3.0443% | 3,538 |
| Loan and lease loss provision to assets | 0.1332% | 5,557 |
| Net operating income to assets | 1.8181% | 470 |
| Return on assets (ROA) | 1.8181% | 506 |
| Pretax return on assets | 1.9142% | 720 |
| Return on Equity (ROE) | 21.4769% | 234 |
| Retained earnings to average equity (ytd only) | 7.4940% | 1,639 |
| Net charge-offs to loans | 0.0870% | 5,269 |
| Credit loss provision to net charge-offs | 218.1818% | 1,786 |
| Earnings coverage of net charge-offs (x) | 33.5455% | 840 |
| Efficiency ratio | 59.7893% | 6,082 |
| Assets per employee ($millions) | 3.7812% | 4,259 |
| Cash dividends to net income (ytd only)* | 65.1068% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 5,085 |
| Loan loss allowance to noncurrent loans | 80.6988% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.6690% | 3,933 |
| Noncurrent loans to loans | 1.5722% | 4,350 |
| Net loans and leases to total assets | 71.2932% | 2,596 |
| Net loans and leases to deposits | 91.6298% | 1,593 |
| Net loans and leases to core deposits | 104.2109% | 1,616 |
| Total domestic deposits to total assets | 77.8057% | 6,308 |
| Equity capital to assets | 8.8738% | 5,636 |
| Core capital (leverage) ratio | 8.2262% | 5,900 |
| Tier 1 risk-based capital ratio | 11.1218% | 6,123 |
| Total risk-based capital ratio | 12.3300% | 6,140 |
| Memoranda: | ||
| Average total assets | $108,137,330 | 4,857 |
| Average earning assets | $98,706,670 | 4,853 |
| Average equity | $9,154,000 | 5,457 |
| Average total loans | $75,853,670 | 4,572 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8421% | 1,340 |
| Cost of funding earning assets | 1.5349% | 3,352 |
| Net interest margin | 4.3073% | 1,668 |
| Noninterest income to average assets | 1.0104% | 1,266 |
| Noninterest expense to average assets | 3.0274% | 3,572 |
| Loan and lease loss provision to assets | 0.1318% | 5,254 |
| Net operating income to assets | 1.6876% | 631 |
| Return on assets (ROA) | 1.6876% | 683 |
| Pretax return on assets | 1.7754% | 926 |
| Return on Equity (ROE) | 20.4129% | 358 |
| Retained earnings to average equity (ytd only) | 6.2434% | 2,497 |
| Net charge-offs to loans | 0.1218% | 4,238 |
| Credit loss provision to net charge-offs | 156.5217% | 2,286 |
| Earnings coverage of net charge-offs (x) | 22.6522% | 1,082 |
| Efficiency ratio | 61.3501% | 5,938 |
| Assets per employee ($millions) | 3.8918% | 4,117 |
| Cash dividends to net income (ytd only)* | 69.4143% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,204 |
| Loan loss allowance to noncurrent loans | 84.5878% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.5775% | 4,133 |
| Noncurrent loans to loans | 1.4791% | 4,522 |
| Net loans and leases to total assets | 68.3754% | 3,299 |
| Net loans and leases to deposits | 90.2876% | 1,863 |
| Net loans and leases to core deposits | 101.9526% | 1,912 |
| Total domestic deposits to total assets | 75.7307% | 6,798 |
| Equity capital to assets | 8.3638% | 6,206 |
| Core capital (leverage) ratio | 7.9559% | 6,304 |
| Tier 1 risk-based capital ratio | 10.8681% | 6,273 |
| Total risk-based capital ratio | 12.0437% | 6,330 |
| Memoranda: | ||
| Average total assets | $109,269,000 | 4,892 |
| Average earning assets | $99,552,500 | 4,889 |
| Average equity | $9,033,500 | 5,538 |
| Average total loans | $75,555,000 | 4,652 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1462% | 1,382 |
| Cost of funding earning assets | 2.0191% | 2,877 |
| Net interest margin | 4.1271% | 2,339 |
| Noninterest income to average assets | 1.2118% | 1,046 |
| Noninterest expense to average assets | 3.1151% | 3,672 |
| Loan and lease loss provision to assets | 0.2026% | 5,720 |
| Net operating income to assets | 1.5949% | 557 |
| Return on assets (ROA) | 1.6612% | 511 |
| Pretax return on assets | 1.7293% | 734 |
| Return on Equity (ROE) | 21.0232% | 198 |
| Retained earnings to average equity (ytd only) | 7.0388% | 951 |
| Net charge-offs to loans | 0.1230% | 5,952 |
| Credit loss provision to net charge-offs | 241.7582% | 1,470 |
| Earnings coverage of net charge-offs (x) | 22.2308% | 969 |
| Efficiency ratio | 62.5786% | 6,043 |
| Assets per employee ($millions) | 3.9132% | 3,996 |
| Cash dividends to net income (ytd only)* | 66.5188% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 5,171 |
| Loan loss allowance to noncurrent loans | 131.8697% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 4,647 |
| Noncurrent loans to loans | 0.9331% | 5,449 |
| Net loans and leases to total assets | 68.2009% | 3,659 |
| Net loans and leases to deposits | 96.9260% | 1,216 |
| Net loans and leases to core deposits | 114.1027% | 2,488 |
| Total domestic deposits to total assets | 70.3639% | 7,389 |
| Equity capital to assets | 8.1711% | 6,377 |
| Core capital (leverage) ratio | 7.6988% | 6,557 |
| Tier 1 risk-based capital ratio | 10.6150% | 6,287 |
| Total risk-based capital ratio | 11.7659% | 6,357 |
| Memoranda: | ||
| Average total assets | $108,599,400 | 4,859 |
| Average earning assets | $99,101,800 | 4,864 |
| Average equity | $8,581,000 | 5,737 |
| Average total loans | $73,969,000 | 4,730 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1394% | 1,527 |
| Cost of funding earning assets | 2.1214% | 2,795 |
| Net interest margin | 4.0180% | 2,732 |
| Noninterest income to average assets | 1.1739% | 1,136 |
| Noninterest expense to average assets | 3.1008% | 3,647 |
| Loan and lease loss provision to assets | 0.1415% | 5,942 |
| Net operating income to assets | 1.5393% | 745 |
| Return on assets (ROA) | 1.6279% | 679 |
| Pretax return on assets | 1.6968% | 976 |
| Return on Equity (ROE) | 20.7818% | 274 |
| Retained earnings to average equity (ytd only) | 6.3303% | 1,802 |
| Net charge-offs to loans | 0.1197% | 5,502 |
| Credit loss provision to net charge-offs | 174.2424% | 2,659 |
| Earnings coverage of net charge-offs (x) | 21.4994% | 1,196 |
| Efficiency ratio | 63.9756% | 5,758 |
| Assets per employee ($millions) | 3.9288% | 3,875 |
| Cash dividends to net income (ytd only)* | 69.5390% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,555 |
| Loan loss allowance to noncurrent loans | 67.5397% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.7626% | 3,719 |
| Noncurrent loans to loans | 1.6682% | 4,144 |
| Net loans and leases to total assets | 67.8875% | 3,985 |
| Net loans and leases to deposits | 96.6970% | 1,489 |
| Net loans and leases to core deposits | 115.2574% | 2,698 |
| Total domestic deposits to total assets | 70.2064% | 7,398 |
| Equity capital to assets | 8.0786% | 6,774 |
| Core capital (leverage) ratio | 7.4789% | 7,004 |
| Tier 1 risk-based capital ratio | 10.4133% | 6,556 |
| Total risk-based capital ratio | 11.4702% | 6,699 |
| Memoranda: | ||
| Average total assets | $108,357,000 | 4,900 |
| Average earning assets | $99,052,500 | 4,888 |
| Average equity | $8,488,000 | 5,825 |
| Average total loans | $73,546,750 | 4,788 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1184% | 1,731 |
| Cost of funding earning assets | 2.1983% | 2,799 |
| Net interest margin | 3.9201% | 3,017 |
| Noninterest income to average assets | 1.1483% | 1,187 |
| Noninterest expense to average assets | 2.9664% | 4,222 |
| Loan and lease loss provision to assets | 0.1113% | 6,033 |
| Net operating income to assets | 1.5732% | 722 |
| Return on assets (ROA) | 1.5732% | 780 |
| Pretax return on assets | 1.6567% | 1,100 |
| Return on Equity (ROE) | 20.2992% | 322 |
| Retained earnings to average equity (ytd only) | 4.9791% | 2,520 |
| Net charge-offs to loans | 0.0713% | 5,508 |
| Credit loss provision to net charge-offs | 230.7692% | 2,000 |
| Earnings coverage of net charge-offs (x) | 36.6538% | 863 |
| Efficiency ratio | 62.6567% | 6,149 |
| Assets per employee ($millions) | 4.0167% | 3,640 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 5,457 |
| Loan loss allowance to noncurrent loans | 81.6406% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.5818% | 3,843 |
| Noncurrent loans to loans | 1.3717% | 4,469 |
| Net loans and leases to total assets | 65.6338% | 4,637 |
| Net loans and leases to deposits | 93.9279% | 2,103 |
| Net loans and leases to core deposits | 116.4361% | 2,678 |
| Total domestic deposits to total assets | 69.8768% | 7,486 |
| Equity capital to assets | 7.5444% | 7,224 |
| Core capital (leverage) ratio | 7.3303% | 7,211 |
| Tier 1 risk-based capital ratio | 10.2767% | 6,623 |
| Total risk-based capital ratio | 11.3257% | 6,777 |
| Memoranda: | ||
| Average total assets | $107,807,000 | 4,946 |
| Average earning assets | $98,620,000 | 4,935 |
| Average equity | $8,355,000 | 5,896 |
| Average total loans | $72,885,000 | 4,846 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1941% | 1,621 |
| Cost of funding earning assets | 2.3079% | 2,662 |
| Net interest margin | 3.8863% | 3,099 |
| Noninterest income to average assets | 1.0884% | 1,260 |
| Noninterest expense to average assets | 3.1362% | 3,242 |
| Loan and lease loss provision to assets | 0.1138% | 5,509 |
| Net operating income to assets | 1.3425% | 1,281 |
| Return on assets (ROA) | 1.3425% | 1,373 |
| Pretax return on assets | 1.4145% | 1,924 |
| Return on Equity (ROE) | 17.0808% | 678 |
| Retained earnings to average equity (ytd only) | -0.2895% | 5,713 |
| Net charge-offs to loans | 0.1278% | 3,942 |
| Credit loss provision to net charge-offs | 130.4348% | 3,071 |
| Earnings coverage of net charge-offs (x) | 17.5217% | 1,504 |
| Efficiency ratio | 67.2358% | 5,095 |
| Assets per employee ($millions) | 3.9048% | 3,857 |
| Cash dividends to net income (ytd only)* | 101.6949% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 5,205 |
| Loan loss allowance to noncurrent loans | 87.8393% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.5329% | 3,636 |
| Noncurrent loans to loans | 1.2955% | 4,385 |
| Net loans and leases to total assets | 64.2823% | 4,937 |
| Net loans and leases to deposits | 88.3030% | 3,236 |
| Net loans and leases to core deposits | 112.6763% | 3,146 |
| Total domestic deposits to total assets | 72.7974% | 7,084 |
| Equity capital to assets | 7.6362% | 7,235 |
| Core capital (leverage) ratio | 7.4262% | 7,245 |
| Tier 1 risk-based capital ratio | 10.4364% | 6,459 |
| Total risk-based capital ratio | 11.4949% | 6,577 |
| Memoranda: | ||
| Average total assets | $105,476,500 | 5,016 |
| Average earning assets | $97,059,500 | 5,002 |
| Average equity | $8,290,000 | 5,961 |
| Average total loans | $72,001,000 | 4,908 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7598% | 1,834 |
| Cost of funding earning assets | 2.6481% | 3,443 |
| Net interest margin | 4.1116% | 2,660 |
| Noninterest income to average assets | 1.3595% | 780 |
| Noninterest expense to average assets | 3.0637% | 3,846 |
| Loan and lease loss provision to assets | 0.1703% | 5,202 |
| Net operating income to assets | 1.7856% | 564 |
| Return on assets (ROA) | 1.7903% | 540 |
| Pretax return on assets | 1.8825% | 795 |
| Return on Equity (ROE) | 22.8120% | 221 |
| Retained earnings to average equity (ytd only) | 7.7487% | 918 |
| Net charge-offs to loans | 0.2199% | 4,026 |
| Credit loss provision to net charge-offs | 111.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | 13.3595% | 2,135 |
| Efficiency ratio | 59.9373% | 6,350 |
| Assets per employee ($millions) | 3.6292% | 4,340 |
| Cash dividends to net income (ytd only)* | 66.0325% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 5,299 |
| Loan loss allowance to noncurrent loans | 91.5525% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6050% | 3,042 |
| Noncurrent loans to loans | 1.2015% | 4,112 |
| Net loans and leases to total assets | 70.9599% | 3,794 |
| Net loans and leases to deposits | 96.4049% | 2,384 |
| Net loans and leases to core deposits | 125.7639% | 2,177 |
| Total domestic deposits to total assets | 73.6061% | 6,717 |
| Equity capital to assets | 8.0999% | 6,695 |
| Core capital (leverage) ratio | 7.6562% | 6,993 |
| Tier 1 risk-based capital ratio | 10.3985% | 6,316 |
| Total risk-based capital ratio | 11.4431% | 6,393 |
| Memoranda: | ||
| Average total assets | $99,814,800 | 5,054 |
| Average earning assets | $91,083,200 | 5,050 |
| Average equity | $7,833,600 | 6,161 |
| Average total loans | $69,564,800 | 4,889 |