Home > Bank of Coushatta > Performance and Condition Ratios
Bank of Coushatta, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 3,867 |
| Cost of funding earning assets | 1.0494% | 3,196 |
| Net interest margin | 3.0102% | 3,258 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.3100% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7567% | 3,025 |
| Return on assets (ROA) | 0.7560% | 3,005 |
| Pretax return on assets | 0.7560% | 3,323 |
| Return on Equity (ROE) | 13.7700% | 1,538 |
| Retained earnings to average equity (ytd only) | 4.3474% | 2,851 |
| Net charge-offs to loans | -0.1702% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.2394% | 1,327 |
| Assets per employee ($millions) | 7.1164% | 1,997 |
| Cash dividends to net income (ytd only)* | 68.4355% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 933 |
| Loan loss allowance to noncurrent loans | 219.7474% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 1,735 |
| Noncurrent loans to loans | 0.7065% | 1,102 |
| Net loans and leases to total assets | 41.5900% | 3,979 |
| Net loans and leases to deposits | 55.2316% | 3,742 |
| Net loans and leases to core deposits | 61.6577% | 3,696 |
| Total domestic deposits to total assets | 75.3100% | 4,003 |
| Equity capital to assets | 6.2552% | 4,180 |
| Core capital (leverage) ratio | 10.0143% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7806% | 1,598 |
| Memoranda: | ||
| Average total assets | $289,138,200 | 2,478 |
| Average earning assets | $276,530,600 | 2,429 |
| Average equity | $15,871,400 | 3,196 |
| Average total loans | $120,436,200 | 2,951 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 3,724 |
| Cost of funding earning assets | 0.8757% | 3,332 |
| Net interest margin | 3.1877% | 2,945 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.2957% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9105% | 2,645 |
| Return on assets (ROA) | 0.9105% | 2,632 |
| Pretax return on assets | 0.9105% | 3,079 |
| Return on Equity (ROE) | 17.1900% | 1,047 |
| Retained earnings to average equity (ytd only) | 5.8738% | 2,665 |
| Net charge-offs to loans | -0.2105% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.4985% | 1,622 |
| Assets per employee ($millions) | 6.8482% | 2,072 |
| Cash dividends to net income (ytd only)* | 65.8376% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 958 |
| Loan loss allowance to noncurrent loans | 370.7031% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,306 |
| Noncurrent loans to loans | 0.4213% | 1,777 |
| Net loans and leases to total assets | 43.6700% | 3,928 |
| Net loans and leases to deposits | 53.1208% | 3,832 |
| Net loans and leases to core deposits | 59.0320% | 3,739 |
| Total domestic deposits to total assets | 82.2200% | 3,172 |
| Equity capital to assets | 5.3379% | 4,185 |
| Core capital (leverage) ratio | 10.0688% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1814% | 1,512 |
| Memoranda: | ||
| Average total assets | $288,480,000 | 2,483 |
| Average earning assets | $275,887,750 | 2,440 |
| Average equity | $15,276,500 | 3,228 |
| Average total loans | $119,726,250 | 2,961 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 3,599 |
| Cost of funding earning assets | 0.7843% | 3,253 |
| Net interest margin | 3.2596% | 2,845 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.1955% | 3,091 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0711% | 2,203 |
| Return on assets (ROA) | 1.0711% | 2,199 |
| Pretax return on assets | 1.0711% | 2,720 |
| Return on Equity (ROE) | 20.2800% | 683 |
| Retained earnings to average equity (ytd only) | 7.2283% | 2,217 |
| Net charge-offs to loans | -0.2921% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.0694% | 2,101 |
| Assets per employee ($millions) | 6.7584% | 2,094 |
| Cash dividends to net income (ytd only)* | 64.3539% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 895 |
| Loan loss allowance to noncurrent loans | 246.7890% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 1,760 |
| Noncurrent loans to loans | 0.6573% | 1,137 |
| Net loans and leases to total assets | 42.2400% | 3,957 |
| Net loans and leases to deposits | 51.2445% | 3,869 |
| Net loans and leases to core deposits | 56.9042% | 3,775 |
| Total domestic deposits to total assets | 82.4400% | 3,146 |
| Equity capital to assets | 5.7684% | 4,213 |
| Core capital (leverage) ratio | 9.4463% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7409% | 1,376 |
| Memoranda: | ||
| Average total assets | $293,330,667 | 2,464 |
| Average earning assets | $280,768,667 | 2,418 |
| Average equity | $15,494,667 | 3,228 |
| Average total loans | $119,123,667 | 2,962 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 3,253 |
| Cost of funding earning assets | 0.6850% | 3,102 |
| Net interest margin | 3.4152% | 2,591 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.1310% | 3,299 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.3109% | 1,643 |
| Return on assets (ROA) | 1.3109% | 1,612 |
| Pretax return on assets | 1.3109% | 2,146 |
| Return on Equity (ROE) | 25.8700% | 370 |
| Retained earnings to average equity (ytd only) | 12.6125% | 1,163 |
| Net charge-offs to loans | -0.4973% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.6787% | 2,735 |
| Assets per employee ($millions) | 7.9227% | 1,387 |
| Cash dividends to net income (ytd only)* | 51.2513% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 1,010 |
| Loan loss allowance to noncurrent loans | 295.5485% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 2,085 |
| Noncurrent loans to loans | 0.5410% | 1,368 |
| Net loans and leases to total assets | 37.0300% | 4,153 |
| Net loans and leases to deposits | 43.3569% | 4,116 |
| Net loans and leases to core deposits | 47.4182% | 4,066 |
| Total domestic deposits to total assets | 85.4000% | 2,746 |
| Equity capital to assets | 5.3009% | 4,371 |
| Core capital (leverage) ratio | 8.9690% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3257% | 1,540 |
| Memoranda: | ||
| Average total assets | $304,827,500 | 2,441 |
| Average earning assets | $291,991,500 | 2,391 |
| Average equity | $15,445,000 | 3,271 |
| Average total loans | $120,643,500 | 2,970 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 3,139 |
| Cost of funding earning assets | 0.3839% | 2,230 |
| Net interest margin | 3.0931% | 3,193 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.0849% | 3,340 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9094% | 2,920 |
| Return on assets (ROA) | 0.9091% | 2,862 |
| Pretax return on assets | 0.9091% | 3,331 |
| Return on Equity (ROE) | 14.8600% | 1,295 |
| Retained earnings to average equity (ytd only) | 7.9232% | 1,866 |
| Net charge-offs to loans | -0.1361% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.8479% | 2,104 |
| Assets per employee ($millions) | 7.7095% | 1,481 |
| Cash dividends to net income (ytd only)* | 46.6692% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 1,655 |
| Loan loss allowance to noncurrent loans | 231.7872% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 1,868 |
| Noncurrent loans to loans | 0.5863% | 1,274 |
| Net loans and leases to total assets | 41.0100% | 4,028 |
| Net loans and leases to deposits | 47.8732% | 3,979 |
| Net loans and leases to core deposits | 52.2001% | 3,908 |
| Total domestic deposits to total assets | 85.6700% | 2,808 |
| Equity capital to assets | 4.8262% | 4,403 |
| Core capital (leverage) ratio | 9.1895% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0780% | 1,608 |
| Memoranda: | ||
| Average total assets | $288,981,000 | 2,505 |
| Average earning assets | $275,324,600 | 2,465 |
| Average equity | $17,682,200 | 3,150 |
| Average total loans | $119,011,800 | 2,931 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3315% | 3,093 |
| Cost of funding earning assets | 0.3421% | 1,769 |
| Net interest margin | 2.9895% | 3,242 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.0960% | 3,218 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.7863% | 3,311 |
| Return on assets (ROA) | 0.7872% | 3,257 |
| Pretax return on assets | 0.7872% | 3,617 |
| Return on Equity (ROE) | 12.1900% | 1,977 |
| Retained earnings to average equity (ytd only) | 6.2930% | 2,636 |
| Net charge-offs to loans | -0.1668% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.5162% | 1,821 |
| Assets per employee ($millions) | 7.8164% | 1,420 |
| Cash dividends to net income (ytd only)* | 48.3718% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 1,987 |
| Loan loss allowance to noncurrent loans | 158.1532% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 1,504 |
| Noncurrent loans to loans | 0.8281% | 954 |
| Net loans and leases to total assets | 41.9500% | 3,990 |
| Net loans and leases to deposits | 49.2123% | 3,900 |
| Net loans and leases to core deposits | 54.0555% | 3,740 |
| Total domestic deposits to total assets | 85.2500% | 3,231 |
| Equity capital to assets | 4.8329% | 4,326 |
| Core capital (leverage) ratio | 9.3844% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6187% | 1,837 |
| Memoranda: | ||
| Average total assets | $286,058,500 | 2,539 |
| Average earning assets | $272,060,750 | 2,503 |
| Average equity | $18,475,000 | 3,115 |
| Average total loans | $117,510,750 | 2,952 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1196% | 3,257 |
| Cost of funding earning assets | 0.3137% | 1,587 |
| Net interest margin | 2.8060% | 3,431 |
| Noninterest income to average assets | 0.1607% | 4,210 |
| Noninterest expense to average assets | 2.0175% | 3,385 |
| Loan and lease loss provision to assets | 0.2000% | 413 |
| Net operating income to assets | 0.6112% | 3,600 |
| Return on assets (ROA) | 0.6133% | 3,535 |
| Pretax return on assets | 0.6133% | 3,787 |
| Return on Equity (ROE) | 8.7512% | 2,774 |
| Retained earnings to average equity (ytd only) | 2.5533% | 3,602 |
| Net charge-offs to loans | -0.3353% | 4,654 |
| Credit loss provision to net charge-offs | -146.9072% | 3,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3223% | 1,792 |
| Assets per employee ($millions) | 7.2343% | 1,781 |
| Cash dividends to net income (ytd only)* | 70.8238% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,604 |
| Loan loss allowance to noncurrent loans | 75.6276% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 648 |
| Noncurrent loans to loans | 1.9017% | 348 |
| Net loans and leases to total assets | 41.3080% | 4,018 |
| Net loans and leases to deposits | 49.1804% | 3,855 |
| Net loans and leases to core deposits | 54.3824% | 3,677 |
| Total domestic deposits to total assets | 83.9929% | 3,686 |
| Equity capital to assets | 5.6227% | 4,323 |
| Core capital (leverage) ratio | 9.2827% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7962% | 1,768 |
| Memoranda: | ||
| Average total assets | $285,009,333 | 2,563 |
| Average earning assets | $270,992,333 | 2,534 |
| Average equity | $19,974,333 | 3,074 |
| Average total loans | $115,702,333 | 2,996 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8852% | 3,569 |
| Cost of funding earning assets | 0.3040% | 1,623 |
| Net interest margin | 2.5812% | 3,704 |
| Noninterest income to average assets | 0.2027% | 3,949 |
| Noninterest expense to average assets | 1.9334% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7281% | 2,948 |
| Return on assets (ROA) | 0.7281% | 2,938 |
| Pretax return on assets | 0.7281% | 3,310 |
| Return on Equity (ROE) | 9.4994% | 2,152 |
| Retained earnings to average equity (ytd only) | 3.5803% | 3,085 |
| Net charge-offs to loans | -0.5037% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6425% | 1,893 |
| Assets per employee ($millions) | 8.5398% | 1,091 |
| Cash dividends to net income (ytd only)* | 62.3106% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,202 |
| Loan loss allowance to noncurrent loans | 41.2204% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 415 |
| Noncurrent loans to loans | 2.7411% | 205 |
| Net loans and leases to total assets | 39.9016% | 4,019 |
| Net loans and leases to deposits | 47.6566% | 3,893 |
| Net loans and leases to core deposits | 52.4188% | 3,701 |
| Total domestic deposits to total assets | 83.7274% | 3,818 |
| Equity capital to assets | 6.4773% | 4,433 |
| Core capital (leverage) ratio | 8.6016% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9885% | 2,610 |
| Memoranda: | ||
| Average total assets | $290,062,500 | 2,548 |
| Average earning assets | $276,310,000 | 2,516 |
| Average equity | $22,233,000 | 2,967 |
| Average total loans | $115,946,500 | 2,983 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0078% | 3,855 |
| Cost of funding earning assets | 0.3751% | 1,717 |
| Net interest margin | 2.6327% | 3,991 |
| Noninterest income to average assets | 0.1758% | 4,279 |
| Noninterest expense to average assets | 2.0088% | 3,650 |
| Loan and lease loss provision to assets | 0.0096% | 2,889 |
| Net operating income to assets | 0.6666% | 3,706 |
| Return on assets (ROA) | 0.6918% | 3,705 |
| Pretax return on assets | 0.6918% | 3,942 |
| Return on Equity (ROE) | 7.0115% | 3,517 |
| Retained earnings to average equity (ytd only) | 2.7776% | 3,734 |
| Net charge-offs to loans | -0.1394% | 4,654 |
| Credit loss provision to net charge-offs | -17.1053% | 3,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8143% | 1,227 |
| Assets per employee ($millions) | 7.8316% | 1,426 |
| Cash dividends to net income (ytd only)* | 60.3844% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,636 |
| Loan loss allowance to noncurrent loans | 34.2442% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1972% | 412 |
| Noncurrent loans to loans | 2.9988% | 197 |
| Net loans and leases to total assets | 39.1809% | 4,140 |
| Net loans and leases to deposits | 48.1556% | 3,986 |
| Net loans and leases to core deposits | 53.2056% | 3,817 |
| Total domestic deposits to total assets | 81.3632% | 4,057 |
| Equity capital to assets | 8.8549% | 3,756 |
| Core capital (leverage) ratio | 8.9671% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,761,200 | 2,597 |
| Average earning assets | $258,061,000 | 2,565 |
| Average equity | $26,713,400 | 2,745 |
| Average total loans | $109,058,200 | 3,091 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0663% | 3,874 |
| Cost of funding earning assets | 0.3949% | 1,731 |
| Net interest margin | 2.6715% | 4,025 |
| Noninterest income to average assets | 0.1644% | 4,380 |
| Noninterest expense to average assets | 2.0645% | 3,470 |
| Loan and lease loss provision to assets | 0.0132% | 2,731 |
| Net operating income to assets | 0.6335% | 3,944 |
| Return on assets (ROA) | 0.6967% | 3,844 |
| Pretax return on assets | 0.6967% | 4,073 |
| Return on Equity (ROE) | 6.8699% | 3,700 |
| Retained earnings to average equity (ytd only) | 2.8171% | 3,958 |
| Net charge-offs to loans | -0.3580% | 4,820 |
| Credit loss provision to net charge-offs | -8.9965% | 3,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1509% | 1,026 |
| Assets per employee ($millions) | 7.7308% | 1,427 |
| Cash dividends to net income (ytd only)* | 58.9928% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,958 |
| Loan loss allowance to noncurrent loans | 28.4755% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7178% | 255 |
| Noncurrent loans to loans | 4.2386% | 110 |
| Net loans and leases to total assets | 39.7802% | 4,218 |
| Net loans and leases to deposits | 50.1001% | 4,004 |
| Net loans and leases to core deposits | 56.0636% | 3,769 |
| Total domestic deposits to total assets | 79.4016% | 4,309 |
| Equity capital to assets | 10.0858% | 2,815 |
| Core capital (leverage) ratio | 9.0397% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,008,750 | 2,655 |
| Average earning assets | $253,586,500 | 2,620 |
| Average equity | $26,977,000 | 2,759 |
| Average total loans | $107,644,500 | 3,147 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0206% | 4,004 |
| Cost of funding earning assets | 0.4124% | 1,782 |
| Net interest margin | 2.6083% | 4,154 |
| Noninterest income to average assets | 0.1618% | 4,389 |
| Noninterest expense to average assets | 2.0803% | 3,454 |
| Loan and lease loss provision to assets | 0.0197% | 2,568 |
| Net operating income to assets | 0.5490% | 4,117 |
| Return on assets (ROA) | 0.6632% | 3,909 |
| Pretax return on assets | 0.6632% | 4,140 |
| Return on Equity (ROE) | 6.5271% | 3,776 |
| Retained earnings to average equity (ytd only) | 2.5379% | 3,989 |
| Net charge-offs to loans | -0.2556% | 4,824 |
| Credit loss provision to net charge-offs | -18.9781% | 2,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5327% | 885 |
| Assets per employee ($millions) | 7.9167% | 1,254 |
| Cash dividends to net income (ytd only)* | 61.1174% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,500 |
| Loan loss allowance to noncurrent loans | 31.6204% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 408 |
| Noncurrent loans to loans | 3.4151% | 187 |
| Net loans and leases to total assets | 39.5796% | 4,302 |
| Net loans and leases to deposits | 49.7899% | 4,125 |
| Net loans and leases to core deposits | 55.7275% | 3,911 |
| Total domestic deposits to total assets | 79.4932% | 4,292 |
| Equity capital to assets | 9.9815% | 2,867 |
| Core capital (leverage) ratio | 9.0865% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,485,333 | 2,652 |
| Average earning assets | $252,199,333 | 2,618 |
| Average equity | $26,872,667 | 2,751 |
| Average total loans | $107,208,667 | 3,164 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9869% | 4,116 |
| Cost of funding earning assets | 0.4285% | 1,871 |
| Net interest margin | 2.5584% | 4,224 |
| Noninterest income to average assets | 0.1968% | 4,210 |
| Noninterest expense to average assets | 2.1423% | 3,294 |
| Loan and lease loss provision to assets | 0.0397% | 2,250 |
| Net operating income to assets | 0.4562% | 4,256 |
| Return on assets (ROA) | 0.5508% | 4,114 |
| Pretax return on assets | 0.5508% | 4,271 |
| Return on Equity (ROE) | 5.3729% | 4,013 |
| Retained earnings to average equity (ytd only) | 1.0418% | 4,206 |
| Net charge-offs to loans | -0.1458% | 4,725 |
| Credit loss provision to net charge-offs | -66.6667% | 2,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2030% | 744 |
| Assets per employee ($millions) | 8.0963% | 1,156 |
| Cash dividends to net income (ytd only)* | 80.6094% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 3,890 |
| Loan loss allowance to noncurrent loans | 22.6403% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.8321% | 300 |
| Noncurrent loans to loans | 4.3551% | 115 |
| Net loans and leases to total assets | 40.0285% | 4,339 |
| Net loans and leases to deposits | 50.2275% | 4,146 |
| Net loans and leases to core deposits | 54.8336% | 4,059 |
| Total domestic deposits to total assets | 79.6944% | 4,240 |
| Equity capital to assets | 9.7258% | 2,972 |
| Core capital (leverage) ratio | 9.2432% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,143,500 | 2,652 |
| Average earning assets | $250,157,500 | 2,610 |
| Average equity | $26,875,500 | 2,740 |
| Average total loans | $106,963,500 | 3,167 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6014% | 3,812 |
| Cost of funding earning assets | 0.6638% | 1,906 |
| Net interest margin | 2.9375% | 4,043 |
| Noninterest income to average assets | 0.1893% | 4,339 |
| Noninterest expense to average assets | 2.0725% | 3,994 |
| Loan and lease loss provision to assets | 0.0073% | 4,263 |
| Net operating income to assets | 0.9029% | 2,681 |
| Return on assets (ROA) | 1.0436% | 2,271 |
| Pretax return on assets | 1.0436% | 2,905 |
| Return on Equity (ROE) | 10.1766% | 1,945 |
| Retained earnings to average equity (ytd only) | 3.5820% | 3,045 |
| Net charge-offs to loans | 0.2088% | 832 |
| Credit loss provision to net charge-offs | 8.6124% | 3,256 |
| Earnings coverage of net charge-offs (x) | 10.7416% | 2,441 |
| Efficiency ratio | 69.4848% | 2,021 |
| Assets per employee ($millions) | 7.3460% | 1,368 |
| Cash dividends to net income (ytd only)* | 64.8019% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 4,061 |
| Loan loss allowance to noncurrent loans | 25.1193% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 422 |
| Noncurrent loans to loans | 3.7587% | 162 |
| Net loans and leases to total assets | 40.8055% | 4,407 |
| Net loans and leases to deposits | 52.1459% | 4,211 |
| Net loans and leases to core deposits | 57.3892% | 4,078 |
| Total domestic deposits to total assets | 78.2525% | 4,289 |
| Equity capital to assets | 10.7993% | 2,433 |
| Core capital (leverage) ratio | 9.8350% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,657,400 | 2,597 |
| Average earning assets | $234,549,600 | 2,567 |
| Average equity | $25,293,400 | 2,777 |
| Average total loans | $100,095,200 | 3,226 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 3,773 |
| Cost of funding earning assets | 0.6955% | 2,048 |
| Net interest margin | 3.0170% | 3,933 |
| Noninterest income to average assets | 0.1874% | 4,349 |
| Noninterest expense to average assets | 1.9898% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0654% | 2,091 |
| Return on assets (ROA) | 1.1550% | 1,920 |
| Pretax return on assets | 1.1550% | 2,548 |
| Return on Equity (ROE) | 11.4228% | 1,548 |
| Retained earnings to average equity (ytd only) | 4.2741% | 2,913 |
| Net charge-offs to loans | 0.3704% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 7.1168% | 2,599 |
| Efficiency ratio | 65.1288% | 2,574 |
| Assets per employee ($millions) | 6.6573% | 1,706 |
| Cash dividends to net income (ytd only)* | 62.5828% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,158 |
| Loan loss allowance to noncurrent loans | 24.8308% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.5829% | 516 |
| Noncurrent loans to loans | 3.5029% | 231 |
| Net loans and leases to total assets | 42.4283% | 4,482 |
| Net loans and leases to deposits | 54.7695% | 4,304 |
| Net loans and leases to core deposits | 60.4486% | 4,178 |
| Total domestic deposits to total assets | 77.4670% | 4,267 |
| Equity capital to assets | 11.1023% | 2,322 |
| Core capital (leverage) ratio | 9.8160% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,044,250 | 2,602 |
| Average earning assets | $231,966,250 | 2,564 |
| Average equity | $24,675,250 | 2,813 |
| Average total loans | $98,640,250 | 3,263 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 3,622 |
| Cost of funding earning assets | 0.7225% | 2,274 |
| Net interest margin | 3.1761% | 3,729 |
| Noninterest income to average assets | 0.1850% | 4,355 |
| Noninterest expense to average assets | 2.0198% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1863% | 1,680 |
| Return on assets (ROA) | 1.2750% | 1,541 |
| Pretax return on assets | 1.2750% | 2,110 |
| Return on Equity (ROE) | 13.0420% | 1,088 |
| Retained earnings to average equity (ytd only) | 5.9366% | 2,108 |
| Net charge-offs to loans | -0.1681% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0000% | 2,954 |
| Assets per employee ($millions) | 7.1487% | 1,363 |
| Cash dividends to net income (ytd only)* | 54.4810% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,371 |
| Loan loss allowance to noncurrent loans | 35.9018% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.4312% | 673 |
| Noncurrent loans to loans | 3.4170% | 241 |
| Net loans and leases to total assets | 40.9327% | 4,570 |
| Net loans and leases to deposits | 52.2893% | 4,434 |
| Net loans and leases to core deposits | 57.5387% | 4,375 |
| Total domestic deposits to total assets | 78.2811% | 4,149 |
| Equity capital to assets | 10.5389% | 2,719 |
| Core capital (leverage) ratio | 9.6605% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,286,000 | 2,587 |
| Average earning assets | $231,413,000 | 2,541 |
| Average equity | $23,784,667 | 2,869 |
| Average total loans | $96,378,333 | 3,296 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 3,964 |
| Cost of funding earning assets | 0.8078% | 2,336 |
| Net interest margin | 3.1296% | 4,033 |
| Noninterest income to average assets | 0.2001% | 4,356 |
| Noninterest expense to average assets | 2.0165% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1692% | 1,620 |
| Return on assets (ROA) | 1.1759% | 1,716 |
| Pretax return on assets | 1.1759% | 2,285 |
| Return on Equity (ROE) | 12.5375% | 976 |
| Retained earnings to average equity (ytd only) | 4.0903% | 2,646 |
| Net charge-offs to loans | -0.2200% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2984% | 3,327 |
| Assets per employee ($millions) | 6.6241% | 1,278 |
| Cash dividends to net income (ytd only)* | 67.3759% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,957 |
| Loan loss allowance to noncurrent loans | 39.0689% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.3604% | 843 |
| Noncurrent loans to loans | 3.4266% | 279 |
| Net loans and leases to total assets | 38.3838% | 4,718 |
| Net loans and leases to deposits | 48.2217% | 4,651 |
| Net loans and leases to core deposits | 53.3092% | 4,590 |
| Total domestic deposits to total assets | 79.5985% | 3,929 |
| Equity capital to assets | 8.7207% | 4,723 |
| Core capital (leverage) ratio | 9.6430% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,826,000 | 2,560 |
| Average earning assets | $228,780,000 | 2,504 |
| Average equity | $22,492,500 | 2,960 |
| Average total loans | $92,723,500 | 3,345 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 3,661 |
| Cost of funding earning assets | 0.9072% | 2,164 |
| Net interest margin | 3.3487% | 3,875 |
| Noninterest income to average assets | 0.1909% | 4,525 |
| Noninterest expense to average assets | 1.9969% | 4,538 |
| Loan and lease loss provision to assets | 0.0252% | 3,506 |
| Net operating income to assets | 1.3654% | 1,459 |
| Return on assets (ROA) | 1.3710% | 1,519 |
| Pretax return on assets | 1.3710% | 2,265 |
| Return on Equity (ROE) | 13.8379% | 933 |
| Retained earnings to average equity (ytd only) | 6.6468% | 1,544 |
| Net charge-offs to loans | 0.4348% | 440 |
| Credit loss provision to net charge-offs | 14.9485% | 3,337 |
| Earnings coverage of net charge-offs (x) | 8.2397% | 2,789 |
| Efficiency ratio | 58.9497% | 3,843 |
| Assets per employee ($millions) | 6.8910% | 1,089 |
| Cash dividends to net income (ytd only)* | 51.9670% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 1,998 |
| Loan loss allowance to noncurrent loans | 39.3849% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.3181% | 827 |
| Noncurrent loans to loans | 3.2631% | 263 |
| Net loans and leases to total assets | 37.9300% | 4,799 |
| Net loans and leases to deposits | 48.3512% | 4,732 |
| Net loans and leases to core deposits | 53.5729% | 4,661 |
| Total domestic deposits to total assets | 78.4467% | 4,286 |
| Equity capital to assets | 10.0293% | 3,888 |
| Core capital (leverage) ratio | 10.1089% | 3,404 |
| Tier 1 risk-based capital ratio | 14.1354% | 3,196 |
| Total risk-based capital ratio | 14.8649% | 3,362 |
| Memoranda: | ||
| Average total assets | $229,903,200 | 2,576 |
| Average earning assets | $219,457,000 | 2,536 |
| Average equity | $22,778,000 | 2,887 |
| Average total loans | $89,230,600 | 3,414 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 3,532 |
| Cost of funding earning assets | 0.9396% | 2,043 |
| Net interest margin | 3.4042% | 3,859 |
| Noninterest income to average assets | 0.1996% | 4,518 |
| Noninterest expense to average assets | 2.0004% | 4,554 |
| Loan and lease loss provision to assets | 0.0341% | 3,217 |
| Net operating income to assets | 1.4156% | 1,419 |
| Return on assets (ROA) | 1.4215% | 1,464 |
| Pretax return on assets | 1.4215% | 2,220 |
| Return on Equity (ROE) | 14.3941% | 908 |
| Retained earnings to average equity (ytd only) | 7.6459% | 1,562 |
| Net charge-offs to loans | 0.1252% | 1,261 |
| Credit loss provision to net charge-offs | 69.8795% | 2,623 |
| Earnings coverage of net charge-offs (x) | 29.7481% | 1,633 |
| Efficiency ratio | 57.9816% | 3,941 |
| Assets per employee ($millions) | 6.7874% | 1,119 |
| Cash dividends to net income (ytd only)* | 46.8816% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 982 |
| Loan loss allowance to noncurrent loans | 45.5403% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5425% | 703 |
| Noncurrent loans to loans | 3.5319% | 225 |
| Net loans and leases to total assets | 40.8569% | 4,787 |
| Net loans and leases to deposits | 53.1929% | 4,659 |
| Net loans and leases to core deposits | 59.6118% | 4,550 |
| Total domestic deposits to total assets | 76.8091% | 4,539 |
| Equity capital to assets | 10.7217% | 3,362 |
| Core capital (leverage) ratio | 10.1285% | 3,494 |
| Tier 1 risk-based capital ratio | 14.9488% | 2,871 |
| Total risk-based capital ratio | 15.9274% | 2,923 |
| Memoranda: | ||
| Average total assets | $227,083,000 | 2,625 |
| Average earning assets | $216,822,250 | 2,576 |
| Average equity | $22,425,250 | 2,942 |
| Average total loans | $88,370,250 | 3,474 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 3,599 |
| Cost of funding earning assets | 0.9413% | 1,960 |
| Net interest margin | 3.3734% | 3,978 |
| Noninterest income to average assets | 0.2104% | 4,480 |
| Noninterest expense to average assets | 2.0341% | 4,545 |
| Loan and lease loss provision to assets | 0.0517% | 2,781 |
| Net operating income to assets | 1.3484% | 1,582 |
| Return on assets (ROA) | 1.3537% | 1,626 |
| Pretax return on assets | 1.3537% | 2,371 |
| Return on Equity (ROE) | 14.1035% | 955 |
| Retained earnings to average equity (ytd only) | 8.0017% | 1,397 |
| Net charge-offs to loans | 0.3939% | 426 |
| Credit loss provision to net charge-offs | 34.5029% | 2,574 |
| Earnings coverage of net charge-offs (x) | 9.3392% | 2,342 |
| Efficiency ratio | 59.2290% | 3,834 |
| Assets per employee ($millions) | 6.2648% | 1,360 |
| Cash dividends to net income (ytd only)* | 43.2642% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,116 |
| Loan loss allowance to noncurrent loans | 40.4769% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.5554% | 707 |
| Noncurrent loans to loans | 3.8574% | 192 |
| Net loans and leases to total assets | 39.3879% | 4,868 |
| Net loans and leases to deposits | 50.8634% | 4,773 |
| Net loans and leases to core deposits | 56.8793% | 4,685 |
| Total domestic deposits to total assets | 77.4384% | 4,496 |
| Equity capital to assets | 10.2965% | 3,701 |
| Core capital (leverage) ratio | 9.8124% | 3,813 |
| Tier 1 risk-based capital ratio | 15.1251% | 2,780 |
| Total risk-based capital ratio | 16.0748% | 2,829 |
| Memoranda: | ||
| Average total assets | $228,116,000 | 2,625 |
| Average earning assets | $218,001,330 | 2,579 |
| Average equity | $21,895,330 | 2,981 |
| Average total loans | $86,824,000 | 3,532 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2334% | 3,767 |
| Cost of funding earning assets | 0.9087% | 1,962 |
| Net interest margin | 3.3247% | 4,104 |
| Noninterest income to average assets | 0.2057% | 4,514 |
| Noninterest expense to average assets | 1.9860% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3966% | 1,389 |
| Return on assets (ROA) | 1.3914% | 1,435 |
| Pretax return on assets | 1.3914% | 2,110 |
| Return on Equity (ROE) | 15.0339% | 744 |
| Retained earnings to average equity (ytd only) | 8.5343% | 1,478 |
| Net charge-offs to loans | -0.1457% | 5,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7113% | 3,988 |
| Assets per employee ($millions) | 6.6875% | 1,148 |
| Cash dividends to net income (ytd only)* | 43.2331% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8147% | 692 |
| Loan loss allowance to noncurrent loans | 50.4060% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3287% | 967 |
| Noncurrent loans to loans | 3.6002% | 246 |
| Net loans and leases to total assets | 35.8760% | 5,020 |
| Net loans and leases to deposits | 45.4362% | 4,943 |
| Net loans and leases to core deposits | 50.3321% | 4,878 |
| Total domestic deposits to total assets | 78.9590% | 4,360 |
| Equity capital to assets | 9.3057% | 4,430 |
| Core capital (leverage) ratio | 9.4774% | 4,157 |
| Tier 1 risk-based capital ratio | 15.3034% | 2,748 |
| Total risk-based capital ratio | 16.3822% | 2,738 |
| Memoranda: | ||
| Average total assets | $229,407,000 | 2,648 |
| Average earning assets | $219,207,500 | 2,593 |
| Average equity | $21,232,000 | 3,053 |
| Average total loans | $85,115,000 | 3,595 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 4,012 |
| Cost of funding earning assets | 0.6617% | 2,310 |
| Net interest margin | 3.3450% | 4,138 |
| Noninterest income to average assets | 0.2310% | 4,527 |
| Noninterest expense to average assets | 2.1276% | 4,504 |
| Loan and lease loss provision to assets | 0.0073% | 3,976 |
| Net operating income to assets | 1.3025% | 1,788 |
| Return on assets (ROA) | 1.2769% | 1,885 |
| Pretax return on assets | 1.2769% | 2,592 |
| Return on Equity (ROE) | 13.4628% | 1,187 |
| Retained earnings to average equity (ytd only) | 4.8460% | 2,864 |
| Net charge-offs to loans | 0.0421% | 2,569 |
| Credit loss provision to net charge-offs | 45.7143% | 3,232 |
| Earnings coverage of net charge-offs (x) | 81.8286% | 855 |
| Efficiency ratio | 61.8946% | 3,549 |
| Assets per employee ($millions) | 6.2431% | 1,364 |
| Cash dividends to net income (ytd only)* | 64.0043% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 685 |
| Loan loss allowance to noncurrent loans | 52.8860% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.3152% | 967 |
| Noncurrent loans to loans | 3.3953% | 271 |
| Net loans and leases to total assets | 37.0119% | 5,044 |
| Net loans and leases to deposits | 47.0626% | 4,956 |
| Net loans and leases to core deposits | 52.6888% | 4,882 |
| Total domestic deposits to total assets | 78.6440% | 4,383 |
| Equity capital to assets | 9.2026% | 4,405 |
| Core capital (leverage) ratio | 10.0669% | 3,499 |
| Tier 1 risk-based capital ratio | 15.8571% | 2,465 |
| Total risk-based capital ratio | 16.9757% | 2,444 |
| Memoranda: | ||
| Average total assets | $218,653,000 | 2,699 |
| Average earning assets | $209,598,600 | 2,640 |
| Average equity | $20,738,600 | 3,016 |
| Average total loans | $83,102,600 | 3,609 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 3,932 |
| Cost of funding earning assets | 0.6137% | 2,382 |
| Net interest margin | 3.3857% | 4,046 |
| Noninterest income to average assets | 0.1848% | 4,863 |
| Noninterest expense to average assets | 2.1130% | 4,521 |
| Loan and lease loss provision to assets | 0.0098% | 3,794 |
| Net operating income to assets | 1.3073% | 1,827 |
| Return on assets (ROA) | 1.2779% | 1,941 |
| Pretax return on assets | 1.2779% | 2,698 |
| Return on Equity (ROE) | 13.3700% | 1,308 |
| Retained earnings to average equity (ytd only) | 4.6323% | 3,436 |
| Net charge-offs to loans | 0.0532% | 2,062 |
| Credit loss provision to net charge-offs | 48.4848% | 2,845 |
| Earnings coverage of net charge-offs (x) | 64.9984% | 1,005 |
| Efficiency ratio | 61.6004% | 3,572 |
| Assets per employee ($millions) | 5.8702% | 1,592 |
| Cash dividends to net income (ytd only)* | 65.3532% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8230% | 693 |
| Loan loss allowance to noncurrent loans | 70.7714% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.0827% | 1,332 |
| Noncurrent loans to loans | 2.5759% | 502 |
| Net loans and leases to total assets | 38.8116% | 5,057 |
| Net loans and leases to deposits | 50.2072% | 4,947 |
| Net loans and leases to core deposits | 56.7574% | 4,825 |
| Total domestic deposits to total assets | 77.3028% | 4,593 |
| Equity capital to assets | 9.6898% | 3,922 |
| Core capital (leverage) ratio | 9.8853% | 3,762 |
| Tier 1 risk-based capital ratio | 15.5995% | 2,603 |
| Total risk-based capital ratio | 16.7159% | 2,600 |
| Memoranda: | ||
| Average total assets | $217,128,250 | 2,732 |
| Average earning assets | $208,126,000 | 2,664 |
| Average equity | $20,752,500 | 3,042 |
| Average total loans | $82,701,750 | 3,641 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 3,819 |
| Cost of funding earning assets | 0.5225% | 2,812 |
| Net interest margin | 3.4662% | 3,746 |
| Noninterest income to average assets | 0.1899% | 4,875 |
| Noninterest expense to average assets | 2.1126% | 4,577 |
| Loan and lease loss provision to assets | 0.0146% | 3,583 |
| Net operating income to assets | 1.3877% | 1,484 |
| Return on assets (ROA) | 1.3393% | 1,648 |
| Pretax return on assets | 1.3393% | 2,367 |
| Return on Equity (ROE) | 14.0758% | 1,061 |
| Retained earnings to average equity (ytd only) | 5.2196% | 2,969 |
| Net charge-offs to loans | -0.1868% | 5,316 |
| Credit loss provision to net charge-offs | -20.7792% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1039% | 3,919 |
| Assets per employee ($millions) | 5.7925% | 1,642 |
| Cash dividends to net income (ytd only)* | 62.9175% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 594 |
| Loan loss allowance to noncurrent loans | 76.4513% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.0802% | 1,369 |
| Noncurrent loans to loans | 2.5293% | 512 |
| Net loans and leases to total assets | 38.6414% | 5,108 |
| Net loans and leases to deposits | 49.8597% | 4,984 |
| Net loans and leases to core deposits | 56.2964% | 4,853 |
| Total domestic deposits to total assets | 77.5002% | 4,663 |
| Equity capital to assets | 9.5552% | 4,047 |
| Core capital (leverage) ratio | 9.6974% | 3,890 |
| Tier 1 risk-based capital ratio | 15.2286% | 2,770 |
| Total risk-based capital ratio | 16.4070% | 2,719 |
| Memoranda: | ||
| Average total assets | $219,062,330 | 2,738 |
| Average earning assets | $210,144,000 | 2,670 |
| Average equity | $20,844,330 | 3,043 |
| Average total loans | $82,421,670 | 3,671 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,704 |
| Cost of funding earning assets | 0.4592% | 3,140 |
| Net interest margin | 3.5177% | 3,470 |
| Noninterest income to average assets | 0.1897% | 4,887 |
| Noninterest expense to average assets | 2.0304% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5355% | 995 |
| Return on assets (ROA) | 1.5192% | 1,035 |
| Pretax return on assets | 1.5192% | 1,628 |
| Return on Equity (ROE) | 15.9985% | 619 |
| Retained earnings to average equity (ytd only) | 8.7697% | 1,546 |
| Net charge-offs to loans | -0.0098% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9402% | 4,477 |
| Assets per employee ($millions) | 5.9415% | 1,561 |
| Cash dividends to net income (ytd only)* | 45.1843% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 696 |
| Loan loss allowance to noncurrent loans | 78.6735% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9594% | 1,650 |
| Noncurrent loans to loans | 2.3790% | 591 |
| Net loans and leases to total assets | 36.7755% | 5,184 |
| Net loans and leases to deposits | 47.0319% | 5,073 |
| Net loans and leases to core deposits | 52.7888% | 4,958 |
| Total domestic deposits to total assets | 78.1926% | 4,703 |
| Equity capital to assets | 9.4430% | 4,141 |
| Core capital (leverage) ratio | 9.3593% | 4,245 |
| Tier 1 risk-based capital ratio | 14.9299% | 2,894 |
| Total risk-based capital ratio | 16.0251% | 2,915 |
| Memoranda: | ||
| Average total assets | $221,432,500 | 2,745 |
| Average earning assets | $212,522,500 | 2,666 |
| Average equity | $21,027,000 | 3,043 |
| Average total loans | $81,407,500 | 3,725 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 3,972 |
| Cost of funding earning assets | 0.4654% | 2,638 |
| Net interest margin | 3.3570% | 3,984 |
| Noninterest income to average assets | 0.1508% | 5,201 |
| Noninterest expense to average assets | 2.1025% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2608% | 1,326 |
| Return on assets (ROA) | 1.3573% | 1,122 |
| Pretax return on assets | 1.3573% | 2,137 |
| Return on Equity (ROE) | 13.4980% | 848 |
| Retained earnings to average equity (ytd only) | 4.6065% | 2,388 |
| Net charge-offs to loans | -0.3013% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5122% | 3,858 |
| Assets per employee ($millions) | 6.0279% | 1,500 |
| Cash dividends to net income (ytd only)* | 65.8730% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9148% | 629 |
| Loan loss allowance to noncurrent loans | 69.4946% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0362% | 1,475 |
| Noncurrent loans to loans | 2.7553% | 441 |
| Net loans and leases to total assets | 35.3709% | 5,305 |
| Net loans and leases to deposits | 45.1876% | 5,209 |
| Net loans and leases to core deposits | 50.8175% | 5,106 |
| Total domestic deposits to total assets | 78.2757% | 4,672 |
| Equity capital to assets | 9.5480% | 4,196 |
| Core capital (leverage) ratio | 9.7791% | 3,717 |
| Tier 1 risk-based capital ratio | 15.0089% | 2,852 |
| Total risk-based capital ratio | 16.1331% | 2,838 |
| Memoranda: | ||
| Average total assets | $213,510,600 | 2,782 |
| Average earning assets | $204,321,200 | 2,729 |
| Average equity | $21,469,800 | 2,996 |
| Average total loans | $73,354,200 | 3,889 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 3,937 |
| Cost of funding earning assets | 0.4677% | 2,541 |
| Net interest margin | 3.3522% | 4,005 |
| Noninterest income to average assets | 0.1503% | 5,259 |
| Noninterest expense to average assets | 1.9356% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4196% | 1,049 |
| Return on assets (ROA) | 1.5080% | 907 |
| Pretax return on assets | 1.5080% | 1,747 |
| Return on Equity (ROE) | 14.7996% | 678 |
| Retained earnings to average equity (ytd only) | 6.7491% | 1,823 |
| Net charge-offs to loans | -0.3949% | 5,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6887% | 4,544 |
| Assets per employee ($millions) | 5.6695% | 1,757 |
| Cash dividends to net income (ytd only)* | 54.3971% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0051% | 565 |
| Loan loss allowance to noncurrent loans | 76.2830% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 1,694 |
| Noncurrent loans to loans | 2.6285% | 551 |
| Net loans and leases to total assets | 35.6700% | 5,365 |
| Net loans and leases to deposits | 46.5938% | 5,236 |
| Net loans and leases to core deposits | 52.9113% | 5,110 |
| Total domestic deposits to total assets | 76.5553% | 4,951 |
| Equity capital to assets | 10.4967% | 3,380 |
| Core capital (leverage) ratio | 9.8731% | 3,728 |
| Tier 1 risk-based capital ratio | 15.0591% | 2,891 |
| Total risk-based capital ratio | 16.1751% | 2,876 |
| Memoranda: | ||
| Average total assets | $211,130,500 | 2,833 |
| Average earning assets | $201,850,000 | 2,778 |
| Average equity | $21,513,500 | 3,018 |
| Average total loans | $71,585,750 | 3,959 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 4,043 |
| Cost of funding earning assets | 0.4596% | 2,514 |
| Net interest margin | 3.2985% | 4,109 |
| Noninterest income to average assets | 0.1541% | 5,290 |
| Noninterest expense to average assets | 1.9567% | 5,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3517% | 1,174 |
| Return on assets (ROA) | 1.3886% | 1,120 |
| Pretax return on assets | 1.3886% | 2,064 |
| Return on Equity (ROE) | 13.7643% | 858 |
| Retained earnings to average equity (ytd only) | 6.0904% | 2,064 |
| Net charge-offs to loans | -0.4943% | 5,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1429% | 4,449 |
| Assets per employee ($millions) | 5.6935% | 1,709 |
| Cash dividends to net income (ytd only)* | 55.7522% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0172% | 583 |
| Loan loss allowance to noncurrent loans | 75.8130% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 1,791 |
| Noncurrent loans to loans | 2.6608% | 534 |
| Net loans and leases to total assets | 34.4020% | 5,430 |
| Net loans and leases to deposits | 44.8340% | 5,313 |
| Net loans and leases to core deposits | 50.8922% | 5,188 |
| Total domestic deposits to total assets | 76.7321% | 4,999 |
| Equity capital to assets | 10.4040% | 3,453 |
| Core capital (leverage) ratio | 9.6101% | 4,011 |
| Tier 1 risk-based capital ratio | 14.9708% | 2,941 |
| Total risk-based capital ratio | 16.0756% | 2,927 |
| Memoranda: | ||
| Average total assets | $211,584,000 | 2,843 |
| Average earning assets | $202,335,000 | 2,783 |
| Average equity | $21,345,000 | 3,040 |
| Average total loans | $69,995,670 | 4,016 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6211% | 4,363 |
| Cost of funding earning assets | 0.4457% | 2,562 |
| Net interest margin | 3.1754% | 4,422 |
| Noninterest income to average assets | 0.1717% | 5,254 |
| Noninterest expense to average assets | 1.8581% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3506% | 1,118 |
| Return on assets (ROA) | 1.3639% | 1,118 |
| Pretax return on assets | 1.3639% | 2,015 |
| Return on Equity (ROE) | 13.7328% | 853 |
| Retained earnings to average equity (ytd only) | 7.4647% | 1,667 |
| Net charge-offs to loans | -0.0471% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9071% | 4,726 |
| Assets per employee ($millions) | 6.0769% | 1,447 |
| Cash dividends to net income (ytd only)* | 45.6432% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8735% | 830 |
| Loan loss allowance to noncurrent loans | 61.7784% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1862% | 1,487 |
| Noncurrent loans to loans | 3.0327% | 452 |
| Net loans and leases to total assets | 32.6776% | 5,517 |
| Net loans and leases to deposits | 42.3374% | 5,405 |
| Net loans and leases to core deposits | 48.0451% | 5,296 |
| Total domestic deposits to total assets | 77.1837% | 5,095 |
| Equity capital to assets | 10.0780% | 3,660 |
| Core capital (leverage) ratio | 9.4984% | 4,123 |
| Tier 1 risk-based capital ratio | 14.9813% | 2,971 |
| Total risk-based capital ratio | 15.9771% | 3,029 |
| Memoranda: | ||
| Average total assets | $212,046,500 | 2,867 |
| Average earning assets | $202,810,000 | 2,802 |
| Average equity | $21,059,000 | 3,079 |
| Average total loans | $68,012,000 | 4,093 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,582 |
| Cost of funding earning assets | 0.4250% | 2,761 |
| Net interest margin | 3.1481% | 4,593 |
| Noninterest income to average assets | 0.2209% | 5,089 |
| Noninterest expense to average assets | 2.1267% | 4,951 |
| Loan and lease loss provision to assets | 0.0111% | 4,154 |
| Net operating income to assets | 1.0945% | 1,922 |
| Return on assets (ROA) | 1.2019% | 1,590 |
| Pretax return on assets | 1.2019% | 2,667 |
| Return on Equity (ROE) | 11.5391% | 1,382 |
| Retained earnings to average equity (ytd only) | 5.8438% | 1,797 |
| Net charge-offs to loans | -0.1188% | 5,635 |
| Credit loss provision to net charge-offs | -33.8235% | 4,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7942% | 3,628 |
| Assets per employee ($millions) | 6.0401% | 1,449 |
| Cash dividends to net income (ytd only)* | 49.3564% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 629 |
| Loan loss allowance to noncurrent loans | 50.8481% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 1,352 |
| Noncurrent loans to loans | 3.9788% | 264 |
| Net loans and leases to total assets | 30.2153% | 5,640 |
| Net loans and leases to deposits | 39.0485% | 5,575 |
| Net loans and leases to core deposits | 44.4333% | 5,476 |
| Total domestic deposits to total assets | 77.3788% | 5,066 |
| Equity capital to assets | 9.7837% | 3,965 |
| Core capital (leverage) ratio | 9.6616% | 3,897 |
| Tier 1 risk-based capital ratio | 15.6354% | 2,690 |
| Total risk-based capital ratio | 16.6892% | 2,704 |
| Memoranda: | ||
| Average total assets | $206,845,600 | 2,891 |
| Average earning assets | $197,868,400 | 2,815 |
| Average equity | $21,544,200 | 3,017 |
| Average total loans | $57,259,800 | 4,369 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5476% | 4,687 |
| Cost of funding earning assets | 0.4316% | 2,720 |
| Net interest margin | 3.1160% | 4,733 |
| Noninterest income to average assets | 0.2223% | 5,138 |
| Noninterest expense to average assets | 1.9866% | 5,229 |
| Loan and lease loss provision to assets | 0.0078% | 4,077 |
| Net operating income to assets | 1.2088% | 1,616 |
| Return on assets (ROA) | 1.3125% | 1,336 |
| Pretax return on assets | 1.3125% | 2,375 |
| Return on Equity (ROE) | 12.4081% | 1,201 |
| Retained earnings to average equity (ytd only) | 7.4939% | 1,406 |
| Net charge-offs to loans | -0.2460% | 5,808 |
| Credit loss provision to net charge-offs | -11.7647% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0194% | 4,229 |
| Assets per employee ($millions) | 5.6948% | 1,669 |
| Cash dividends to net income (ytd only)* | 39.6051% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1497% | 556 |
| Loan loss allowance to noncurrent loans | 52.4219% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.3151% | 1,454 |
| Noncurrent loans to loans | 4.1007% | 260 |
| Net loans and leases to total assets | 29.7964% | 5,718 |
| Net loans and leases to deposits | 33.5840% | 5,762 |
| Net loans and leases to core deposits | 37.6874% | 5,729 |
| Total domestic deposits to total assets | 88.7221% | 1,039 |
| Equity capital to assets | 11.1096% | 2,910 |
| Core capital (leverage) ratio | 9.6902% | 3,951 |
| Tier 1 risk-based capital ratio | 17.6330% | 2,031 |
| Total risk-based capital ratio | 18.8444% | 2,006 |
| Memoranda: | ||
| Average total assets | $205,706,250 | 2,908 |
| Average earning assets | $196,784,000 | 2,835 |
| Average equity | $21,759,500 | 3,028 |
| Average total loans | $55,276,000 | 4,461 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 4,794 |
| Cost of funding earning assets | 0.4292% | 2,745 |
| Net interest margin | 3.0985% | 4,838 |
| Noninterest income to average assets | 0.2156% | 5,196 |
| Noninterest expense to average assets | 2.0560% | 5,158 |
| Loan and lease loss provision to assets | 0.0117% | 3,869 |
| Net operating income to assets | 1.1139% | 1,912 |
| Return on assets (ROA) | 1.1479% | 1,899 |
| Pretax return on assets | 1.1479% | 2,992 |
| Return on Equity (ROE) | 11.0361% | 1,624 |
| Retained earnings to average equity (ytd only) | 6.3490% | 1,938 |
| Net charge-offs to loans | -0.6806% | 5,968 |
| Credit loss provision to net charge-offs | -6.6667% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6215% | 3,908 |
| Assets per employee ($millions) | 5.6773% | 1,642 |
| Cash dividends to net income (ytd only)* | 42.4704% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4941% | 365 |
| Loan loss allowance to noncurrent loans | 63.9064% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.1537% | 1,836 |
| Noncurrent loans to loans | 3.9027% | 309 |
| Net loans and leases to total assets | 27.1622% | 5,846 |
| Net loans and leases to deposits | 30.6704% | 5,873 |
| Net loans and leases to core deposits | 34.5137% | 5,836 |
| Total domestic deposits to total assets | 88.5617% | 1,136 |
| Equity capital to assets | 10.9784% | 3,083 |
| Core capital (leverage) ratio | 9.2974% | 4,461 |
| Tier 1 risk-based capital ratio | 17.0265% | 2,209 |
| Total risk-based capital ratio | 18.2764% | 2,169 |
| Memoranda: | ||
| Average total assets | $205,938,000 | 2,920 |
| Average earning assets | $197,129,670 | 2,852 |
| Average equity | $21,420,670 | 3,056 |
| Average total loans | $52,892,000 | 4,557 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 5,061 |
| Cost of funding earning assets | 0.4201% | 2,861 |
| Net interest margin | 3.0056% | 5,110 |
| Noninterest income to average assets | 0.2206% | 5,158 |
| Noninterest expense to average assets | 2.0124% | 5,304 |
| Loan and lease loss provision to assets | 0.0232% | 3,381 |
| Net operating income to assets | 1.0643% | 2,037 |
| Return on assets (ROA) | 1.0817% | 2,080 |
| Pretax return on assets | 1.0817% | 3,162 |
| Return on Equity (ROE) | 10.6924% | 1,718 |
| Retained earnings to average equity (ytd only) | 6.1591% | 2,301 |
| Net charge-offs to loans | -0.5268% | 5,999 |
| Credit loss provision to net charge-offs | -17.9104% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9189% | 3,989 |
| Assets per employee ($millions) | 5.8675% | 1,516 |
| Cash dividends to net income (ytd only)* | 42.3971% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4634% | 403 |
| Loan loss allowance to noncurrent loans | 63.9432% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 2,079 |
| Noncurrent loans to loans | 3.8525% | 323 |
| Net loans and leases to total assets | 25.1994% | 5,932 |
| Net loans and leases to deposits | 28.1607% | 5,951 |
| Net loans and leases to core deposits | 31.2285% | 5,930 |
| Total domestic deposits to total assets | 89.4844% | 845 |
| Equity capital to assets | 10.3729% | 3,652 |
| Core capital (leverage) ratio | 9.2623% | 4,537 |
| Tier 1 risk-based capital ratio | 17.8498% | 2,026 |
| Total risk-based capital ratio | 19.0719% | 1,996 |
| Memoranda: | ||
| Average total assets | $206,715,500 | 2,926 |
| Average earning assets | $198,030,000 | 2,842 |
| Average equity | $20,912,000 | 3,108 |
| Average total loans | $50,870,500 | 4,650 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3702% | 5,222 |
| Cost of funding earning assets | 0.3928% | 3,233 |
| Net interest margin | 2.9774% | 5,190 |
| Noninterest income to average assets | 0.1860% | 5,482 |
| Noninterest expense to average assets | 1.9093% | 5,602 |
| Loan and lease loss provision to assets | 0.0062% | 4,272 |
| Net operating income to assets | 1.1189% | 1,841 |
| Return on assets (ROA) | 1.1275% | 1,875 |
| Pretax return on assets | 1.1275% | 2,934 |
| Return on Equity (ROE) | 11.4700% | 1,446 |
| Retained earnings to average equity (ytd only) | 7.0094% | 1,273 |
| Net charge-offs to loans | 0.4858% | 551 |
| Credit loss provision to net charge-offs | 5.4167% | 3,856 |
| Earnings coverage of net charge-offs (x) | 9.8042% | 2,777 |
| Efficiency ratio | 62.9215% | 4,457 |
| Assets per employee ($millions) | 6.1197% | 1,306 |
| Cash dividends to net income (ytd only)* | 38.8889% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 386 |
| Loan loss allowance to noncurrent loans | 58.6998% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0968% | 2,009 |
| Noncurrent loans to loans | 4.2971% | 259 |
| Net loans and leases to total assets | 22.8078% | 6,020 |
| Net loans and leases to deposits | 25.3537% | 6,040 |
| Net loans and leases to core deposits | 28.0949% | 6,022 |
| Total domestic deposits to total assets | 89.9586% | 647 |
| Equity capital to assets | 9.8631% | 4,120 |
| Core capital (leverage) ratio | 9.2588% | 4,533 |
| Tier 1 risk-based capital ratio | 18.0741% | 1,942 |
| Total risk-based capital ratio | 19.2863% | 1,909 |
| Memoranda: | ||
| Average total assets | $209,134,000 | 2,859 |
| Average earning assets | $200,076,400 | 2,778 |
| Average equity | $20,558,000 | 3,116 |
| Average total loans | $49,403,600 | 4,690 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3855% | 5,230 |
| Cost of funding earning assets | 0.3950% | 3,273 |
| Net interest margin | 2.9905% | 5,216 |
| Noninterest income to average assets | 0.1636% | 5,664 |
| Noninterest expense to average assets | 1.7669% | 5,826 |
| Loan and lease loss provision to assets | 0.0083% | 4,101 |
| Net operating income to assets | 1.2473% | 1,496 |
| Return on assets (ROA) | 1.2524% | 1,529 |
| Pretax return on assets | 1.2524% | 2,588 |
| Return on Equity (ROE) | 12.7515% | 1,186 |
| Retained earnings to average equity (ytd only) | 8.6090% | 1,033 |
| Net charge-offs to loans | 0.9035% | 215 |
| Credit loss provision to net charge-offs | 3.8690% | 3,497 |
| Earnings coverage of net charge-offs (x) | 5.8690% | 3,141 |
| Efficiency ratio | 58.4580% | 5,065 |
| Assets per employee ($millions) | 5.8235% | 1,491 |
| Cash dividends to net income (ytd only)* | 32.4861% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2612% | 601 |
| Loan loss allowance to noncurrent loans | 61.3883% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 2,290 |
| Noncurrent loans to loans | 3.6834% | 398 |
| Net loans and leases to total assets | 24.7129% | 6,078 |
| Net loans and leases to deposits | 27.6847% | 6,106 |
| Net loans and leases to core deposits | 31.3102% | 6,080 |
| Total domestic deposits to total assets | 89.2655% | 891 |
| Equity capital to assets | 10.5653% | 3,526 |
| Core capital (leverage) ratio | 9.1746% | 4,772 |
| Tier 1 risk-based capital ratio | 18.2670% | 1,969 |
| Total risk-based capital ratio | 19.4040% | 1,958 |
| Memoranda: | ||
| Average total assets | $209,400,250 | 2,878 |
| Average earning assets | $200,181,500 | 2,799 |
| Average equity | $20,567,000 | 3,144 |
| Average total loans | $49,583,500 | 4,732 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3492% | 5,343 |
| Cost of funding earning assets | 0.3915% | 3,357 |
| Net interest margin | 2.9576% | 5,321 |
| Noninterest income to average assets | 0.1670% | 5,701 |
| Noninterest expense to average assets | 1.7101% | 5,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2842% | 1,364 |
| Return on assets (ROA) | 1.2786% | 1,443 |
| Pretax return on assets | 1.2786% | 2,440 |
| Return on Equity (ROE) | 13.3303% | 1,050 |
| Retained earnings to average equity (ytd only) | 10.5430% | 573 |
| Net charge-offs to loans | 0.7284% | 311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.6056% | 2,653 |
| Efficiency ratio | 57.1115% | 5,325 |
| Assets per employee ($millions) | 6.6630% | 979 |
| Cash dividends to net income (ytd only)* | 20.9098% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5761% | 445 |
| Loan loss allowance to noncurrent loans | 60.6854% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.1121% | 2,281 |
| Noncurrent loans to loans | 4.2450% | 334 |
| Net loans and leases to total assets | 23.3441% | 6,168 |
| Net loans and leases to deposits | 26.2874% | 6,193 |
| Net loans and leases to core deposits | 29.6843% | 6,160 |
| Total domestic deposits to total assets | 88.8034% | 1,245 |
| Equity capital to assets | 9.9597% | 4,083 |
| Core capital (leverage) ratio | 8.6250% | 5,409 |
| Tier 1 risk-based capital ratio | 19.3791% | 1,700 |
| Total risk-based capital ratio | 20.6306% | 1,668 |
| Memoranda: | ||
| Average total assets | $213,201,000 | 2,853 |
| Average earning assets | $203,812,670 | 2,774 |
| Average equity | $20,449,670 | 3,169 |
| Average total loans | $49,423,670 | 4,771 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3027% | 5,449 |
| Cost of funding earning assets | 0.3841% | 3,475 |
| Net interest margin | 2.9185% | 5,411 |
| Noninterest income to average assets | 0.1293% | 5,952 |
| Noninterest expense to average assets | 1.7716% | 5,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1509% | 1,697 |
| Return on assets (ROA) | 1.1398% | 1,837 |
| Pretax return on assets | 1.1398% | 2,907 |
| Return on Equity (ROE) | 12.1049% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.1049% | 556 |
| Net charge-offs to loans | 1.1663% | 194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.3264% | 2,511 |
| Efficiency ratio | 60.6195% | 5,016 |
| Assets per employee ($millions) | 7.4205% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6506% | 430 |
| Loan loss allowance to noncurrent loans | 65.8794% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 2,588 |
| Noncurrent loans to loans | 4.0235% | 437 |
| Net loans and leases to total assets | 22.3746% | 6,243 |
| Net loans and leases to deposits | 24.8188% | 6,266 |
| Net loans and leases to core deposits | 27.7567% | 6,239 |
| Total domestic deposits to total assets | 90.1517% | 674 |
| Equity capital to assets | 9.7135% | 4,488 |
| Core capital (leverage) ratio | 8.1304% | 5,862 |
| Tier 1 risk-based capital ratio | 18.1934% | 2,082 |
| Total risk-based capital ratio | 19.4440% | 2,037 |
| Memoranda: | ||
| Average total assets | $216,525,000 | 2,838 |
| Average earning assets | $207,227,000 | 2,755 |
| Average equity | $20,388,500 | 3,189 |
| Average total loans | $49,389,000 | 4,801 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 5,445 |
| Cost of funding earning assets | 0.4137% | 3,560 |
| Net interest margin | 3.0276% | 5,386 |
| Noninterest income to average assets | 0.1885% | 5,729 |
| Noninterest expense to average assets | 1.9541% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0994% | 1,977 |
| Return on assets (ROA) | 1.1294% | 1,923 |
| Pretax return on assets | 1.1294% | 2,969 |
| Return on Equity (ROE) | 12.3326% | 1,316 |
| Retained earnings to average equity (ytd only) | 7.5709% | 1,173 |
| Net charge-offs to loans | 1.1991% | 222 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.6894% | 3,829 |
| Efficiency ratio | 63.9956% | 4,584 |
| Assets per employee ($millions) | 7.0276% | 836 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9502% | 313 |
| Loan loss allowance to noncurrent loans | 66.2568% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 2,512 |
| Noncurrent loans to loans | 4.4527% | 379 |
| Net loans and leases to total assets | 21.9701% | 6,344 |
| Net loans and leases to deposits | 24.2556% | 6,366 |
| Net loans and leases to core deposits | 27.2699% | 6,340 |
| Total domestic deposits to total assets | 90.5777% | 508 |
| Equity capital to assets | 9.1226% | 5,161 |
| Core capital (leverage) ratio | 8.2715% | 5,801 |
| Tier 1 risk-based capital ratio | 18.0233% | 2,127 |
| Total risk-based capital ratio | 19.2776% | 2,092 |
| Memoranda: | ||
| Average total assets | $206,387,000 | 2,921 |
| Average earning assets | $195,305,400 | 2,852 |
| Average equity | $18,901,200 | 3,298 |
| Average total loans | $51,287,600 | 4,773 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5315% | 5,316 |
| Cost of funding earning assets | 0.4220% | 3,555 |
| Net interest margin | 3.1096% | 5,227 |
| Noninterest income to average assets | 0.2064% | 5,693 |
| Noninterest expense to average assets | 1.7682% | 6,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3685% | 1,201 |
| Return on assets (ROA) | 1.3535% | 1,296 |
| Pretax return on assets | 1.3535% | 2,179 |
| Return on Equity (ROE) | 14.7636% | 872 |
| Retained earnings to average equity (ytd only) | 10.7619% | 554 |
| Net charge-offs to loans | 0.9707% | 321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.5412% | 3,241 |
| Efficiency ratio | 56.3701% | 5,624 |
| Assets per employee ($millions) | 6.5437% | 1,002 |
| Cash dividends to net income (ytd only)* | 27.1056% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3983% | 246 |
| Loan loss allowance to noncurrent loans | 71.0747% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 2,323 |
| Noncurrent loans to loans | 4.7813% | 395 |
| Net loans and leases to total assets | 23.7245% | 6,392 |
| Net loans and leases to deposits | 26.3710% | 6,423 |
| Net loans and leases to core deposits | 29.9421% | 6,388 |
| Total domestic deposits to total assets | 89.9642% | 746 |
| Equity capital to assets | 9.8514% | 4,354 |
| Core capital (leverage) ratio | 8.4496% | 5,708 |
| Tier 1 risk-based capital ratio | 18.1208% | 2,174 |
| Total risk-based capital ratio | 19.3774% | 2,132 |
| Memoranda: | ||
| Average total assets | $203,520,000 | 2,975 |
| Average earning assets | $191,791,250 | 2,917 |
| Average equity | $18,658,000 | 3,342 |
| Average total loans | $51,780,000 | 4,804 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5381% | 5,316 |
| Cost of funding earning assets | 0.4222% | 3,635 |
| Net interest margin | 3.1160% | 5,208 |
| Noninterest income to average assets | 0.2169% | 5,651 |
| Noninterest expense to average assets | 1.7885% | 6,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3556% | 1,173 |
| Return on assets (ROA) | 1.3419% | 1,244 |
| Pretax return on assets | 1.3419% | 2,107 |
| Return on Equity (ROE) | 15.0088% | 792 |
| Retained earnings to average equity (ytd only) | 11.8797% | 435 |
| Net charge-offs to loans | 1.0528% | 324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.0036% | 3,002 |
| Efficiency ratio | 56.8842% | 5,666 |
| Assets per employee ($millions) | 6.3065% | 1,110 |
| Cash dividends to net income (ytd only)* | 20.8486% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4259% | 255 |
| Loan loss allowance to noncurrent loans | 71.7026% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.4177% | 2,302 |
| Noncurrent loans to loans | 4.7779% | 441 |
| Net loans and leases to total assets | 25.0596% | 6,431 |
| Net loans and leases to deposits | 27.7775% | 6,464 |
| Net loans and leases to core deposits | 31.5893% | 6,423 |
| Total domestic deposits to total assets | 90.2154% | 705 |
| Equity capital to assets | 9.6176% | 4,603 |
| Core capital (leverage) ratio | 8.2058% | 5,927 |
| Tier 1 risk-based capital ratio | 17.7308% | 2,340 |
| Total risk-based capital ratio | 18.9887% | 2,305 |
| Memoranda: | ||
| Average total assets | $203,742,000 | 2,986 |
| Average earning assets | $191,399,670 | 2,928 |
| Average equity | $18,216,000 | 3,401 |
| Average total loans | $52,433,670 | 4,809 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 5,348 |
| Cost of funding earning assets | 0.4178% | 3,788 |
| Net interest margin | 3.1138% | 5,199 |
| Noninterest income to average assets | 0.1856% | 5,853 |
| Noninterest expense to average assets | 1.8954% | 6,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2173% | 1,436 |
| Return on assets (ROA) | 1.1665% | 1,647 |
| Pretax return on assets | 1.1665% | 2,634 |
| Return on Equity (ROE) | 13.5532% | 1,026 |
| Retained earnings to average equity (ytd only) | 13.5532% | 428 |
| Net charge-offs to loans | 2.8437% | 72 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.6702% | 3,047 |
| Efficiency ratio | 60.8914% | 5,276 |
| Assets per employee ($millions) | 6.6134% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3107% | 320 |
| Loan loss allowance to noncurrent loans | 60.5423% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 1.5360% | 2,302 |
| Noncurrent loans to loans | 5.4684% | 367 |
| Net loans and leases to total assets | 24.1744% | 6,506 |
| Net loans and leases to deposits | 26.5915% | 6,533 |
| Net loans and leases to core deposits | 30.0574% | 6,494 |
| Total domestic deposits to total assets | 90.9104% | 610 |
| Equity capital to assets | 8.9194% | 5,203 |
| Core capital (leverage) ratio | 7.7972% | 6,220 |
| Tier 1 risk-based capital ratio | 17.9565% | 2,316 |
| Total risk-based capital ratio | 19.2141% | 2,292 |
| Memoranda: | ||
| Average total assets | $204,709,500 | 3,001 |
| Average earning assets | $192,432,000 | 2,942 |
| Average equity | $17,619,500 | 3,464 |
| Average total loans | $52,467,500 | 4,845 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 5,139 |
| Cost of funding earning assets | 0.4353% | 4,262 |
| Net interest margin | 3.2646% | 4,789 |
| Noninterest income to average assets | 0.1965% | 5,909 |
| Noninterest expense to average assets | 1.7779% | 6,359 |
| Loan and lease loss provision to assets | 0.8755% | 227 |
| Net operating income to assets | 0.6099% | 4,221 |
| Return on assets (ROA) | 0.6308% | 4,222 |
| Pretax return on assets | 0.6308% | 4,768 |
| Return on Equity (ROE) | 6.9559% | 3,581 |
| Retained earnings to average equity (ytd only) | 1.7445% | 4,992 |
| Net charge-offs to loans | 4.3020% | 32 |
| Credit loss provision to net charge-offs | 73.9496% | 3,200 |
| Earnings coverage of net charge-offs (x) | 1.2546% | 4,651 |
| Efficiency ratio | 54.4817% | 6,091 |
| Assets per employee ($millions) | 6.5937% | 944 |
| Cash dividends to net income (ytd only)* | 74.9211% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8564% | 223 |
| Loan loss allowance to noncurrent loans | 60.6682% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.9212% | 1,883 |
| Noncurrent loans to loans | 6.3565% | 296 |
| Net loans and leases to total assets | 25.2474% | 6,584 |
| Net loans and leases to deposits | 27.5774% | 6,617 |
| Net loans and leases to core deposits | 31.0998% | 6,583 |
| Total domestic deposits to total assets | 91.5511% | 389 |
| Equity capital to assets | 8.2938% | 5,780 |
| Core capital (leverage) ratio | 7.9607% | 6,164 |
| Tier 1 risk-based capital ratio | 17.6654% | 2,356 |
| Total risk-based capital ratio | 18.9297% | 2,324 |
| Memoranda: | ||
| Average total assets | $201,024,600 | 3,023 |
| Average earning assets | $188,845,000 | 2,965 |
| Average equity | $18,229,200 | 3,383 |
| Average total loans | $55,323,200 | 4,773 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 5,106 |
| Cost of funding earning assets | 0.4384% | 4,407 |
| Net interest margin | 3.2831% | 4,706 |
| Noninterest income to average assets | 0.2258% | 5,812 |
| Noninterest expense to average assets | 1.6771% | 6,492 |
| Loan and lease loss provision to assets | 1.0370% | 157 |
| Net operating income to assets | 0.5941% | 4,379 |
| Return on assets (ROA) | 0.6121% | 4,426 |
| Pretax return on assets | 0.6121% | 4,974 |
| Return on Equity (ROE) | 6.6060% | 3,870 |
| Retained earnings to average equity (ytd only) | 0.8554% | 5,635 |
| Net charge-offs to loans | 4.5524% | 25 |
| Credit loss provision to net charge-offs | 81.8182% | 2,796 |
| Earnings coverage of net charge-offs (x) | 1.2869% | 4,410 |
| Efficiency ratio | 50.6946% | 6,354 |
| Assets per employee ($millions) | 6.5287% | 923 |
| Cash dividends to net income (ytd only)* | 87.0513% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2420% | 200 |
| Loan loss allowance to noncurrent loans | 62.7073% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.1811% | 1,829 |
| Noncurrent loans to loans | 6.7648% | 319 |
| Net loans and leases to total assets | 27.0154% | 6,627 |
| Net loans and leases to deposits | 29.6156% | 6,672 |
| Net loans and leases to core deposits | 33.5330% | 6,617 |
| Total domestic deposits to total assets | 91.2203% | 451 |
| Equity capital to assets | 8.5861% | 5,640 |
| Core capital (leverage) ratio | 7.8405% | 6,308 |
| Tier 1 risk-based capital ratio | 17.4301% | 2,528 |
| Total risk-based capital ratio | 18.6975% | 2,502 |
| Memoranda: | ||
| Average total assets | $200,179,500 | 3,054 |
| Average earning assets | $187,948,000 | 3,009 |
| Average equity | $18,548,250 | 3,374 |
| Average total loans | $55,734,750 | 4,798 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 5,362 |
| Cost of funding earning assets | 0.4390% | 4,556 |
| Net interest margin | 3.1860% | 4,990 |
| Noninterest income to average assets | 0.2569% | 5,614 |
| Noninterest expense to average assets | 1.6625% | 6,542 |
| Loan and lease loss provision to assets | 0.6607% | 369 |
| Net operating income to assets | 0.9285% | 2,667 |
| Return on assets (ROA) | 0.9295% | 2,801 |
| Pretax return on assets | 0.9295% | 3,787 |
| Return on Equity (ROE) | 9.7985% | 2,278 |
| Retained earnings to average equity (ytd only) | 1.4327% | 5,306 |
| Net charge-offs to loans | 6.6340% | 21 |
| Credit loss provision to net charge-offs | 35.9223% | 3,490 |
| Earnings coverage of net charge-offs (x) | 0.8641% | 4,241 |
| Efficiency ratio | 51.1287% | 6,345 |
| Assets per employee ($millions) | 6.3735% | 972 |
| Cash dividends to net income (ytd only)* | 85.3789% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7848% | 722 |
| Loan loss allowance to noncurrent loans | 34.5605% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 2.3737% | 1,806 |
| Noncurrent loans to loans | 8.0577% | 255 |
| Net loans and leases to total assets | 26.5382% | 6,674 |
| Net loans and leases to deposits | 29.3050% | 6,714 |
| Net loans and leases to core deposits | 33.1517% | 6,660 |
| Total domestic deposits to total assets | 90.5587% | 725 |
| Equity capital to assets | 9.2763% | 4,892 |
| Core capital (leverage) ratio | 7.7847% | 6,316 |
| Tier 1 risk-based capital ratio | 17.1941% | 2,643 |
| Total risk-based capital ratio | 18.4495% | 2,613 |
| Memoranda: | ||
| Average total assets | $201,618,670 | 3,053 |
| Average earning assets | $189,513,670 | 2,996 |
| Average equity | $19,125,330 | 3,314 |
| Average total loans | $55,894,000 | 4,822 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 5,426 |
| Cost of funding earning assets | 0.4404% | 4,699 |
| Net interest margin | 3.1702% | 5,026 |
| Noninterest income to average assets | 0.3123% | 5,192 |
| Noninterest expense to average assets | 1.6441% | 6,628 |
| Loan and lease loss provision to assets | 0.6659% | 360 |
| Net operating income to assets | 0.9861% | 2,287 |
| Return on assets (ROA) | 0.9880% | 2,404 |
| Pretax return on assets | 0.9880% | 3,407 |
| Return on Equity (ROE) | 10.3053% | 1,955 |
| Retained earnings to average equity (ytd only) | 9.5472% | 1,232 |
| Net charge-offs to loans | 13.6937% | 7 |
| Credit loss provision to net charge-offs | 17.4114% | 3,076 |
| Earnings coverage of net charge-offs (x) | 0.4319% | 3,669 |
| Efficiency ratio | 49.8808% | 6,507 |
| Assets per employee ($millions) | 6.9382% | 786 |
| Cash dividends to net income (ytd only)* | 7.3559% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9694% | 2,123 |
| Loan loss allowance to noncurrent loans | 31.0652% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 1.9030% | 2,471 |
| Noncurrent loans to loans | 6.3396% | 511 |
| Net loans and leases to total assets | 26.7672% | 6,705 |
| Net loans and leases to deposits | 29.7427% | 6,752 |
| Net loans and leases to core deposits | 33.5723% | 6,685 |
| Total domestic deposits to total assets | 89.9960% | 1,059 |
| Equity capital to assets | 9.8380% | 4,374 |
| Core capital (leverage) ratio | 7.7726% | 6,310 |
| Tier 1 risk-based capital ratio | 17.1571% | 2,687 |
| Total risk-based capital ratio | 18.3481% | 2,676 |
| Memoranda: | ||
| Average total assets | $203,638,500 | 3,061 |
| Average earning assets | $191,662,500 | 2,991 |
| Average equity | $19,524,000 | 3,313 |
| Average total loans | $56,873,000 | 4,821 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 5,144 |
| Cost of funding earning assets | 0.4705% | 5,420 |
| Net interest margin | 3.5801% | 4,182 |
| Noninterest income to average assets | 0.2604% | 5,602 |
| Noninterest expense to average assets | 1.6823% | 6,735 |
| Loan and lease loss provision to assets | 1.4060% | 237 |
| Net operating income to assets | 0.5268% | 4,569 |
| Return on assets (ROA) | 0.7408% | 3,796 |
| Pretax return on assets | 0.7408% | 4,514 |
| Return on Equity (ROE) | 7.9919% | 3,084 |
| Retained earnings to average equity (ytd only) | 2.2019% | 4,686 |
| Net charge-offs to loans | 1.7813% | 461 |
| Credit loss provision to net charge-offs | 265.3918% | 905 |
| Earnings coverage of net charge-offs (x) | 3.6483% | 3,642 |
| Efficiency ratio | 46.5345% | 6,769 |
| Assets per employee ($millions) | 6.8689% | 823 |
| Cash dividends to net income (ytd only)* | 72.4483% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5744% | 176 |
| Loan loss allowance to noncurrent loans | 58.7080% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.3987% | 2,044 |
| Noncurrent loans to loans | 7.7917% | 382 |
| Net loans and leases to total assets | 27.2318% | 6,780 |
| Net loans and leases to deposits | 30.0940% | 6,828 |
| Net loans and leases to core deposits | 33.9063% | 6,770 |
| Total domestic deposits to total assets | 90.4891% | 705 |
| Equity capital to assets | 9.3430% | 5,092 |
| Core capital (leverage) ratio | 7.9402% | 6,248 |
| Tier 1 risk-based capital ratio | 17.0002% | 2,651 |
| Total risk-based capital ratio | 18.2719% | 2,607 |
| Memoranda: | ||
| Average total assets | $202,343,200 | 3,014 |
| Average earning assets | $189,603,200 | 2,964 |
| Average equity | $18,756,600 | 3,365 |
| Average total loans | $60,179,600 | 4,706 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 4,965 |
| Cost of funding earning assets | 0.4861% | 5,534 |
| Net interest margin | 3.6698% | 3,921 |
| Noninterest income to average assets | 0.2727% | 5,605 |
| Noninterest expense to average assets | 1.5841% | 6,889 |
| Loan and lease loss provision to assets | 0.9711% | 430 |
| Net operating income to assets | 1.1505% | 1,903 |
| Return on assets (ROA) | 1.3418% | 1,489 |
| Pretax return on assets | 1.3418% | 2,443 |
| Return on Equity (ROE) | 14.5048% | 1,000 |
| Retained earnings to average equity (ytd only) | 8.3078% | 1,490 |
| Net charge-offs to loans | 1.9871% | 368 |
| Credit loss provision to net charge-offs | 162.6386% | 1,710 |
| Earnings coverage of net charge-offs (x) | 3.5532% | 3,596 |
| Efficiency ratio | 42.7474% | 6,939 |
| Assets per employee ($millions) | 6.6481% | 879 |
| Cash dividends to net income (ytd only)* | 42.7233% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4725% | 1,242 |
| Loan loss allowance to noncurrent loans | 42.2102% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 1.9098% | 2,771 |
| Noncurrent loans to loans | 5.8576% | 708 |
| Net loans and leases to total assets | 30.3210% | 6,806 |
| Net loans and leases to deposits | 33.9689% | 6,870 |
| Net loans and leases to core deposits | 38.7967% | 6,780 |
| Total domestic deposits to total assets | 89.2611% | 1,274 |
| Equity capital to assets | 10.5055% | 3,838 |
| Core capital (leverage) ratio | 8.3182% | 5,980 |
| Tier 1 risk-based capital ratio | 17.0826% | 2,699 |
| Total risk-based capital ratio | 18.3367% | 2,646 |
| Memoranda: | ||
| Average total assets | $201,412,000 | 3,056 |
| Average earning assets | $188,418,000 | 3,010 |
| Average equity | $18,632,500 | 3,416 |
| Average total loans | $60,523,000 | 4,743 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 5,302 |
| Cost of funding earning assets | 0.4939% | 5,664 |
| Net interest margin | 3.6122% | 4,209 |
| Noninterest income to average assets | 0.2820% | 5,558 |
| Noninterest expense to average assets | 1.5341% | 6,986 |
| Loan and lease loss provision to assets | 1.0348% | 422 |
| Net operating income to assets | 1.0857% | 2,101 |
| Return on assets (ROA) | 1.2473% | 1,745 |
| Pretax return on assets | 1.2473% | 2,733 |
| Return on Equity (ROE) | 14.0836% | 1,094 |
| Retained earnings to average equity (ytd only) | 6.9644% | 2,121 |
| Net charge-offs to loans | 1.9105% | 456 |
| Credit loss provision to net charge-offs | 182.2414% | 1,554 |
| Earnings coverage of net charge-offs (x) | 3.7345% | 3,290 |
| Efficiency ratio | 41.9770% | 7,022 |
| Assets per employee ($millions) | 7.0016% | 727 |
| Cash dividends to net income (ytd only)* | 50.5495% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 1,628 |
| Loan loss allowance to noncurrent loans | 46.9993% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 1.5823% | 3,343 |
| Noncurrent loans to loans | 4.8482% | 1,046 |
| Net loans and leases to total assets | 30.4947% | 6,860 |
| Net loans and leases to deposits | 33.9468% | 6,921 |
| Net loans and leases to core deposits | 38.6437% | 6,850 |
| Total domestic deposits to total assets | 89.8309% | 1,025 |
| Equity capital to assets | 9.9575% | 4,406 |
| Core capital (leverage) ratio | 7.7779% | 6,466 |
| Tier 1 risk-based capital ratio | 15.9008% | 3,207 |
| Total risk-based capital ratio | 17.1533% | 3,181 |
| Memoranda: | ||
| Average total assets | $204,284,670 | 3,037 |
| Average earning assets | $190,745,000 | 2,983 |
| Average equity | $18,092,000 | 3,485 |
| Average total loans | $60,717,670 | 4,757 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8374% | 6,168 |
| Cost of funding earning assets | 0.4978% | 5,834 |
| Net interest margin | 3.3396% | 5,337 |
| Noninterest income to average assets | 0.2572% | 5,808 |
| Noninterest expense to average assets | 1.5009% | 7,062 |
| Loan and lease loss provision to assets | 1.2860% | 285 |
| Net operating income to assets | 0.6123% | 4,296 |
| Return on assets (ROA) | 0.8867% | 3,207 |
| Pretax return on assets | 0.8867% | 4,080 |
| Return on Equity (ROE) | 10.6344% | 2,168 |
| Retained earnings to average equity (ytd only) | -1.0128% | 6,153 |
| Net charge-offs to loans | 3.1279% | 228 |
| Credit loss provision to net charge-offs | 141.6490% | 1,743 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 3,314 |
| Efficiency ratio | 44.1558% | 6,982 |
| Assets per employee ($millions) | 7.2734% | 658 |
| Cash dividends to net income (ytd only)* | 109.5238% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8615% | 2,804 |
| Loan loss allowance to noncurrent loans | 31.8650% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 1.7986% | 3,176 |
| Noncurrent loans to loans | 5.8420% | 876 |
| Net loans and leases to total assets | 28.8375% | 6,950 |
| Net loans and leases to deposits | 31.5442% | 7,020 |
| Net loans and leases to core deposits | 35.5204% | 6,953 |
| Total domestic deposits to total assets | 91.4193% | 396 |
| Equity capital to assets | 8.3749% | 6,200 |
| Core capital (leverage) ratio | 7.2307% | 6,749 |
| Tier 1 risk-based capital ratio | 15.3829% | 3,509 |
| Total risk-based capital ratio | 16.5516% | 3,512 |
| Memoranda: | ||
| Average total assets | $208,405,000 | 3,006 |
| Average earning assets | $196,070,500 | 2,946 |
| Average equity | $17,377,500 | 3,596 |
| Average total loans | $60,488,000 | 4,793 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 5,710 |
| Cost of funding earning assets | 0.6369% | 5,888 |
| Net interest margin | 3.6802% | 4,389 |
| Noninterest income to average assets | 0.2686% | 5,601 |
| Noninterest expense to average assets | 1.7064% | 7,050 |
| Loan and lease loss provision to assets | 0.6787% | 1,511 |
| Net operating income to assets | 1.3347% | 1,169 |
| Return on assets (ROA) | 1.3220% | 1,288 |
| Pretax return on assets | 1.3220% | 2,044 |
| Return on Equity (ROE) | 16.6446% | 515 |
| Retained earnings to average equity (ytd only) | 15.0464% | 125 |
| Net charge-offs to loans | 1.9816% | 699 |
| Credit loss provision to net charge-offs | 112.8680% | 2,925 |
| Earnings coverage of net charge-offs (x) | 3.3482% | 3,550 |
| Efficiency ratio | 45.8736% | 7,052 |
| Assets per employee ($millions) | 7.6127% | 550 |
| Cash dividends to net income (ytd only)* | 9.6021% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 4,027 |
| Loan loss allowance to noncurrent loans | 20.4779% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 2.1646% | 2,774 |
| Noncurrent loans to loans | 7.3250% | 591 |
| Net loans and leases to total assets | 28.2499% | 7,056 |
| Net loans and leases to deposits | 30.8776% | 7,116 |
| Net loans and leases to core deposits | 34.6151% | 7,068 |
| Total domestic deposits to total assets | 91.4898% | 335 |
| Equity capital to assets | 8.3033% | 6,351 |
| Core capital (leverage) ratio | 7.2337% | 6,774 |
| Tier 1 risk-based capital ratio | 15.3474% | 3,425 |
| Total risk-based capital ratio | 16.3042% | 3,564 |
| Memoranda: | ||
| Average total assets | $197,723,600 | 3,079 |
| Average earning assets | $185,424,600 | 3,025 |
| Average equity | $15,704,800 | 3,770 |
| Average total loans | $60,003,200 | 4,867 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 5,555 |
| Cost of funding earning assets | 0.6760% | 5,902 |
| Net interest margin | 3.7406% | 4,156 |
| Noninterest income to average assets | 0.3198% | 5,312 |
| Noninterest expense to average assets | 1.6244% | 7,159 |
| Loan and lease loss provision to assets | 0.3831% | 2,561 |
| Net operating income to assets | 1.8170% | 502 |
| Return on assets (ROA) | 1.8040% | 558 |
| Pretax return on assets | 1.8040% | 948 |
| Return on Equity (ROE) | 22.9988% | 189 |
| Retained earnings to average equity (ytd only) | 20.7980% | 68 |
| Net charge-offs to loans | 1.0270% | 1,557 |
| Credit loss provision to net charge-offs | 121.0870% | 2,676 |
| Earnings coverage of net charge-offs (x) | 6.9543% | 2,449 |
| Efficiency ratio | 42.4744% | 7,194 |
| Assets per employee ($millions) | 7.2965% | 638 |
| Cash dividends to net income (ytd only)* | 9.5692% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 4,569 |
| Loan loss allowance to noncurrent loans | 19.8708% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 2.2989% | 2,784 |
| Noncurrent loans to loans | 7.0398% | 703 |
| Net loans and leases to total assets | 30.8057% | 7,064 |
| Net loans and leases to deposits | 33.9289% | 7,134 |
| Net loans and leases to core deposits | 38.3702% | 7,080 |
| Total domestic deposits to total assets | 90.7947% | 513 |
| Equity capital to assets | 8.9779% | 5,778 |
| Core capital (leverage) ratio | 7.6044% | 6,694 |
| Tier 1 risk-based capital ratio | 15.7730% | 3,236 |
| Total risk-based capital ratio | 16.6958% | 3,387 |
| Memoranda: | ||
| Average total assets | $193,865,750 | 3,150 |
| Average earning assets | $181,644,250 | 3,087 |
| Average equity | $15,206,250 | 3,877 |
| Average total loans | $59,720,750 | 4,911 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 5,656 |
| Cost of funding earning assets | 0.6868% | 6,033 |
| Net interest margin | 3.7224% | 4,165 |
| Noninterest income to average assets | 0.3247% | 5,295 |
| Noninterest expense to average assets | 1.6876% | 7,188 |
| Loan and lease loss provision to assets | 0.4273% | 2,293 |
| Net operating income to assets | 1.7011% | 598 |
| Return on assets (ROA) | 1.6700% | 682 |
| Pretax return on assets | 1.6700% | 1,113 |
| Return on Equity (ROE) | 22.3933% | 220 |
| Retained earnings to average equity (ytd only) | 19.3333% | 108 |
| Net charge-offs to loans | 0.7004% | 2,105 |
| Credit loss provision to net charge-offs | 199.0338% | 1,521 |
| Earnings coverage of net charge-offs (x) | 9.9130% | 1,868 |
| Efficiency ratio | 44.2240% | 7,226 |
| Assets per employee ($millions) | 7.1922% | 659 |
| Cash dividends to net income (ytd only)* | 13.6646% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 3,788 |
| Loan loss allowance to noncurrent loans | 25.3731% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 2.0465% | 3,173 |
| Noncurrent loans to loans | 6.2221% | 930 |
| Net loans and leases to total assets | 31.1084% | 7,142 |
| Net loans and leases to deposits | 34.0518% | 7,217 |
| Net loans and leases to core deposits | 38.4269% | 7,156 |
| Total domestic deposits to total assets | 91.3558% | 378 |
| Equity capital to assets | 8.4413% | 6,248 |
| Core capital (leverage) ratio | 7.1303% | 6,946 |
| Tier 1 risk-based capital ratio | 14.8285% | 3,596 |
| Total risk-based capital ratio | 15.8747% | 3,673 |
| Memoranda: | ||
| Average total assets | $192,819,000 | 3,186 |
| Average earning assets | $180,849,670 | 3,121 |
| Average equity | $14,379,330 | 4,046 |
| Average total loans | $59,111,000 | 4,996 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 5,880 |
| Cost of funding earning assets | 0.6958% | 6,161 |
| Net interest margin | 3.6475% | 4,339 |
| Noninterest income to average assets | 0.3310% | 5,251 |
| Noninterest expense to average assets | 1.8674% | 7,047 |
| Loan and lease loss provision to assets | 0.4205% | 2,086 |
| Net operating income to assets | 1.4656% | 945 |
| Return on assets (ROA) | 1.4448% | 1,035 |
| Pretax return on assets | 1.4490% | 1,601 |
| Return on Equity (ROE) | 20.7582% | 305 |
| Retained earnings to average equity (ytd only) | 14.9256% | 396 |
| Net charge-offs to loans | 0.1794% | 3,416 |
| Credit loss provision to net charge-offs | 776.9231% | 488 |
| Earnings coverage of net charge-offs (x) | 34.9231% | 743 |
| Efficiency ratio | 49.6953% | 7,009 |
| Assets per employee ($millions) | 7.1833% | 677 |
| Cash dividends to net income (ytd only)* | 28.0980% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 3,794 |
| Loan loss allowance to noncurrent loans | 24.4092% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 2.0655% | 3,244 |
| Noncurrent loans to loans | 6.4941% | 918 |
| Net loans and leases to total assets | 30.0902% | 7,227 |
| Net loans and leases to deposits | 32.5631% | 7,304 |
| Net loans and leases to core deposits | 36.5063% | 7,248 |
| Total domestic deposits to total assets | 92.4058% | 189 |
| Equity capital to assets | 7.3828% | 6,934 |
| Core capital (leverage) ratio | 6.7653% | 7,093 |
| Tier 1 risk-based capital ratio | 14.6584% | 3,637 |
| Total risk-based capital ratio | 15.7313% | 3,711 |
| Memoranda: | ||
| Average total assets | $192,134,000 | 3,220 |
| Average earning assets | $180,509,500 | 3,140 |
| Average equity | $13,373,000 | 4,249 |
| Average total loans | $57,977,500 | 5,091 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 5,008 |
| Cost of funding earning assets | 1.2362% | 4,317 |
| Net interest margin | 3.6696% | 4,492 |
| Noninterest income to average assets | 0.4447% | 4,562 |
| Noninterest expense to average assets | 1.8287% | 7,235 |
| Loan and lease loss provision to assets | 0.3826% | 3,819 |
| Net operating income to assets | 1.6874% | 534 |
| Return on assets (ROA) | 1.7702% | 489 |
| Pretax return on assets | 1.7702% | 808 |
| Return on Equity (ROE) | 22.8201% | 149 |
| Retained earnings to average equity (ytd only) | 15.8704% | 103 |
| Net charge-offs to loans | 1.0153% | 2,166 |
| Credit loss provision to net charge-offs | 114.8080% | 3,778 |
| Earnings coverage of net charge-offs (x) | 6.2121% | 2,413 |
| Efficiency ratio | 46.9063% | 7,318 |
| Assets per employee ($millions) | 7.0488% | 728 |
| Cash dividends to net income (ytd only)* | 30.4542% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 4,756 |
| Loan loss allowance to noncurrent loans | 17.3676% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 2.4028% | 2,864 |
| Noncurrent loans to loans | 7.7645% | 678 |
| Net loans and leases to total assets | 29.3672% | 7,367 |
| Net loans and leases to deposits | 31.4835% | 7,438 |
| Net loans and leases to core deposits | 35.2725% | 7,401 |
| Total domestic deposits to total assets | 93.2781% | 125 |
| Equity capital to assets | 6.5296% | 7,249 |
| Core capital (leverage) ratio | 6.9444% | 7,048 |
| Tier 1 risk-based capital ratio | 14.6266% | 3,460 |
| Total risk-based capital ratio | 15.5319% | 3,644 |
| Memoranda: | ||
| Average total assets | $164,158,200 | 3,631 |
| Average earning assets | $154,511,200 | 3,567 |
| Average equity | $12,734,400 | 4,416 |
| Average total loans | $53,876,600 | 5,320 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 4,667 |
| Cost of funding earning assets | 1.4164% | 3,479 |
| Net interest margin | 3.6156% | 4,808 |
| Noninterest income to average assets | 0.4822% | 4,316 |
| Noninterest expense to average assets | 1.7231% | 7,421 |
| Loan and lease loss provision to assets | 0.3680% | 3,695 |
| Net operating income to assets | 1.7942% | 512 |
| Return on assets (ROA) | 1.8982% | 453 |
| Pretax return on assets | 1.8982% | 774 |
| Return on Equity (ROE) | 23.3539% | 152 |
| Retained earnings to average equity (ytd only) | 15.9127% | 170 |
| Net charge-offs to loans | 0.8098% | 2,425 |
| Credit loss provision to net charge-offs | 134.6749% | 2,996 |
| Earnings coverage of net charge-offs (x) | 7.9132% | 2,243 |
| Efficiency ratio | 44.3501% | 7,453 |
| Assets per employee ($millions) | 6.5722% | 936 |
| Cash dividends to net income (ytd only)* | 31.8627% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 4,288 |
| Loan loss allowance to noncurrent loans | 21.8647% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 2.1471% | 3,271 |
| Noncurrent loans to loans | 6.5607% | 906 |
| Net loans and leases to total assets | 30.7841% | 7,445 |
| Net loans and leases to deposits | 33.7602% | 7,523 |
| Net loans and leases to core deposits | 38.3029% | 7,454 |
| Total domestic deposits to total assets | 91.1845% | 389 |
| Equity capital to assets | 8.3235% | 6,478 |
| Core capital (leverage) ratio | 7.2865% | 7,015 |
| Tier 1 risk-based capital ratio | 14.6125% | 3,455 |
| Total risk-based capital ratio | 15.5927% | 3,562 |
| Memoranda: | ||
| Average total assets | $157,618,250 | 3,802 |
| Average earning assets | $148,353,750 | 3,716 |
| Average equity | $12,811,250 | 4,474 |
| Average total loans | $53,182,000 | 5,428 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 4,193 |
| Cost of funding earning assets | 1.5719% | 2,819 |
| Net interest margin | 3.5791% | 4,906 |
| Noninterest income to average assets | 0.5006% | 4,113 |
| Noninterest expense to average assets | 1.7800% | 7,408 |
| Loan and lease loss provision to assets | 0.3841% | 3,410 |
| Net operating income to assets | 1.7019% | 585 |
| Return on assets (ROA) | 1.8343% | 492 |
| Pretax return on assets | 1.8343% | 829 |
| Return on Equity (ROE) | 22.7827% | 182 |
| Retained earnings to average equity (ytd only) | 13.7354% | 321 |
| Net charge-offs to loans | 1.1061% | 1,712 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 5.4310% | 2,668 |
| Efficiency ratio | 46.0432% | 7,439 |
| Assets per employee ($millions) | 5.6291% | 1,507 |
| Cash dividends to net income (ytd only)* | 39.7112% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 5,006 |
| Loan loss allowance to noncurrent loans | 21.1849% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 2.1451% | 3,319 |
| Noncurrent loans to loans | 6.0684% | 1,046 |
| Net loans and leases to total assets | 33.2741% | 7,442 |
| Net loans and leases to deposits | 36.2944% | 7,529 |
| Net loans and leases to core deposits | 41.6597% | 7,459 |
| Total domestic deposits to total assets | 91.6785% | 297 |
| Equity capital to assets | 8.0538% | 6,693 |
| Core capital (leverage) ratio | 7.1050% | 7,122 |
| Tier 1 risk-based capital ratio | 14.8238% | 3,254 |
| Total risk-based capital ratio | 15.7313% | 3,420 |
| Memoranda: | ||
| Average total assets | $151,008,000 | 3,934 |
| Average earning assets | $141,992,670 | 3,864 |
| Average equity | $12,158,330 | 4,639 |
| Average total loans | $52,435,670 | 5,492 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1764% | 4,154 |
| Cost of funding earning assets | 1.5722% | 3,127 |
| Net interest margin | 3.6042% | 4,708 |
| Noninterest income to average assets | 0.5145% | 3,935 |
| Noninterest expense to average assets | 1.7874% | 7,477 |
| Loan and lease loss provision to assets | 0.3250% | 3,461 |
| Net operating income to assets | 1.7982% | 498 |
| Return on assets (ROA) | 1.8930% | 449 |
| Pretax return on assets | 1.8930% | 740 |
| Return on Equity (ROE) | 23.5146% | 207 |
| Retained earnings to average equity (ytd only) | 10.7313% | 980 |
| Net charge-offs to loans | 0.5683% | 2,380 |
| Credit loss provision to net charge-offs | 162.1622% | 2,229 |
| Earnings coverage of net charge-offs (x) | 10.5946% | 1,730 |
| Efficiency ratio | 45.7064% | 7,560 |
| Assets per employee ($millions) | 5.4268% | 1,743 |
| Cash dividends to net income (ytd only)* | 54.3634% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 4,456 |
| Loan loss allowance to noncurrent loans | 23.7769% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 2.0638% | 3,427 |
| Noncurrent loans to loans | 5.8570% | 1,139 |
| Net loans and leases to total assets | 32.7994% | 7,542 |
| Net loans and leases to deposits | 36.2628% | 7,619 |
| Net loans and leases to core deposits | 41.9919% | 7,526 |
| Total domestic deposits to total assets | 90.4491% | 761 |
| Equity capital to assets | 7.6885% | 6,939 |
| Core capital (leverage) ratio | 7.3750% | 6,963 |
| Tier 1 risk-based capital ratio | 15.1383% | 3,051 |
| Total risk-based capital ratio | 16.1754% | 3,105 |
| Memoranda: | ||
| Average total assets | $147,704,500 | 4,046 |
| Average earning assets | $139,169,500 | 3,983 |
| Average equity | $11,890,500 | 4,743 |
| Average total loans | $52,089,500 | 5,580 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8621% | 2,399 |
| Cost of funding earning assets | 1.9113% | 3,403 |
| Net interest margin | 3.9508% | 3,075 |
| Noninterest income to average assets | 0.5797% | 3,790 |
| Noninterest expense to average assets | 2.3576% | 6,578 |
| Loan and lease loss provision to assets | 0.3114% | 4,958 |
| Net operating income to assets | 1.6136% | 530 |
| Return on assets (ROA) | 1.8494% | 331 |
| Pretax return on assets | 1.8577% | 563 |
| Return on Equity (ROE) | 21.9885% | 168 |
| Retained earnings to average equity (ytd only) | 12.9641% | 156 |
| Net charge-offs to loans | 0.5739% | 3,496 |
| Credit loss provision to net charge-offs | 134.4086% | 3,701 |
| Earnings coverage of net charge-offs (x) | 8.3441% | 1,959 |
| Efficiency ratio | 54.9448% | 7,139 |
| Assets per employee ($millions) | 4.9297% | 2,305 |
| Cash dividends to net income (ytd only)* | 41.0418% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 4,662 |
| Loan loss allowance to noncurrent loans | 21.2046% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 2.4654% | 2,827 |
| Noncurrent loans to loans | 6.2144% | 996 |
| Net loans and leases to total assets | 37.0554% | 7,480 |
| Net loans and leases to deposits | 41.4698% | 7,582 |
| Net loans and leases to core deposits | 58.9032% | 7,306 |
| Total domestic deposits to total assets | 89.3553% | 1,291 |
| Equity capital to assets | 8.4626% | 5,943 |
| Core capital (leverage) ratio | 8.2877% | 5,644 |
| Tier 1 risk-based capital ratio | 15.7665% | 2,613 |
| Total risk-based capital ratio | 16.8097% | 2,639 |
| Memoranda: | ||
| Average total assets | $120,417,200 | 4,550 |
| Average earning assets | $113,117,200 | 4,473 |
| Average equity | $10,128,000 | 5,263 |
| Average total loans | $48,618,000 | 5,733 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 1,921 |
| Cost of funding earning assets | 2.0246% | 3,236 |
| Net interest margin | 4.0040% | 2,799 |
| Noninterest income to average assets | 0.5735% | 3,902 |
| Noninterest expense to average assets | 2.2445% | 6,855 |
| Loan and lease loss provision to assets | 0.2931% | 4,630 |
| Net operating income to assets | 1.7882% | 458 |
| Return on assets (ROA) | 2.1549% | 223 |
| Pretax return on assets | 2.1618% | 386 |
| Return on Equity (ROE) | 25.6674% | 100 |
| Retained earnings to average equity (ytd only) | 16.3039% | 119 |
| Net charge-offs to loans | 0.4322% | 3,520 |
| Credit loss provision to net charge-offs | 164.5161% | 2,860 |
| Earnings coverage of net charge-offs (x) | 11.7227% | 1,833 |
| Efficiency ratio | 51.8037% | 7,429 |
| Assets per employee ($millions) | 4.1784% | 3,414 |
| Cash dividends to net income (ytd only)* | 36.4801% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 4,217 |
| Loan loss allowance to noncurrent loans | 23.2487% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 2.6054% | 2,673 |
| Noncurrent loans to loans | 5.7981% | 1,048 |
| Net loans and leases to total assets | 41.4927% | 7,393 |
| Net loans and leases to deposits | 47.7007% | 7,507 |
| Net loans and leases to core deposits | 67.7839% | 7,082 |
| Total domestic deposits to total assets | 86.9855% | 2,187 |
| Equity capital to assets | 9.6408% | 4,569 |
| Core capital (leverage) ratio | 8.7565% | 5,040 |
| Tier 1 risk-based capital ratio | 16.4407% | 2,459 |
| Total risk-based capital ratio | 17.5481% | 2,449 |
| Memoranda: | ||
| Average total assets | $116,013,750 | 4,698 |
| Average earning assets | $108,922,250 | 4,622 |
| Average equity | $9,739,750 | 5,420 |
| Average total loans | $47,814,750 | 5,811 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0211% | 2,099 |
| Cost of funding earning assets | 2.1238% | 3,167 |
| Net interest margin | 3.8973% | 3,125 |
| Noninterest income to average assets | 0.4252% | 5,077 |
| Noninterest expense to average assets | 2.2608% | 6,884 |
| Loan and lease loss provision to assets | 0.2887% | 4,267 |
| Net operating income to assets | 1.5311% | 784 |
| Return on assets (ROA) | 2.0036% | 323 |
| Pretax return on assets | 2.0089% | 552 |
| Return on Equity (ROE) | 25.1861% | 132 |
| Retained earnings to average equity (ytd only) | 12.9560% | 338 |
| Net charge-offs to loans | 0.0941% | 5,237 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 47.4091% | 714 |
| Efficiency ratio | 55.3319% | 7,189 |
| Assets per employee ($millions) | 3.8229% | 4,046 |
| Cash dividends to net income (ytd only)* | 48.5590% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 3,160 |
| Loan loss allowance to noncurrent loans | 30.0412% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 2.4021% | 2,699 |
| Noncurrent loans to loans | 5.0102% | 1,230 |
| Net loans and leases to total assets | 43.0901% | 7,389 |
| Net loans and leases to deposits | 49.2845% | 7,514 |
| Net loans and leases to core deposits | 69.5731% | 7,045 |
| Total domestic deposits to total assets | 87.4313% | 2,043 |
| Equity capital to assets | 8.7162% | 5,733 |
| Core capital (leverage) ratio | 8.4391% | 5,546 |
| Tier 1 risk-based capital ratio | 16.3557% | 2,499 |
| Total risk-based capital ratio | 17.5996% | 2,451 |
| Memoranda: | ||
| Average total assets | $114,294,000 | 4,765 |
| Average earning assets | $107,355,670 | 4,695 |
| Average equity | $9,092,330 | 5,652 |
| Average total loans | $46,764,670 | 5,903 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0482% | 2,160 |
| Cost of funding earning assets | 2.2043% | 3,145 |
| Net interest margin | 3.8438% | 3,280 |
| Noninterest income to average assets | 0.4551% | 4,719 |
| Noninterest expense to average assets | 2.1412% | 7,031 |
| Loan and lease loss provision to assets | 0.2758% | 3,757 |
| Net operating income to assets | 1.6516% | 710 |
| Return on assets (ROA) | 1.7895% | 596 |
| Pretax return on assets | 1.7895% | 995 |
| Return on Equity (ROE) | 23.5722% | 234 |
| Retained earnings to average equity (ytd only) | 2.8614% | 4,278 |
| Net charge-offs to loans | 0.5491% | 2,083 |
| Credit loss provision to net charge-offs | 126.9841% | 3,141 |
| Earnings coverage of net charge-offs (x) | 8.8730% | 2,132 |
| Efficiency ratio | 52.6271% | 7,352 |
| Assets per employee ($millions) | 4.0840% | 3,482 |
| Cash dividends to net income (ytd only)* | 87.8613% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 4,013 |
| Loan loss allowance to noncurrent loans | 29.0804% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 1.9800% | 2,935 |
| Noncurrent loans to loans | 4.5082% | 1,272 |
| Net loans and leases to total assets | 38.3907% | 7,650 |
| Net loans and leases to deposits | 44.0513% | 7,721 |
| Net loans and leases to core deposits | 62.4578% | 7,373 |
| Total domestic deposits to total assets | 87.1499% | 2,148 |
| Equity capital to assets | 7.6717% | 7,203 |
| Core capital (leverage) ratio | 7.7407% | 6,836 |
| Tier 1 risk-based capital ratio | 17.0655% | 2,318 |
| Total risk-based capital ratio | 18.2017% | 2,284 |
| Memoranda: | ||
| Average total assets | $116,009,500 | 4,753 |
| Average earning assets | $109,058,000 | 4,667 |
| Average equity | $8,807,000 | 5,773 |
| Average total loans | $45,896,500 | 5,969 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9311% | 1,307 |
| Cost of funding earning assets | 2.7459% | 2,945 |
| Net interest margin | 4.1852% | 2,366 |
| Noninterest income to average assets | 0.5834% | 3,982 |
| Noninterest expense to average assets | 2.4265% | 6,310 |
| Loan and lease loss provision to assets | 0.2832% | 4,121 |
| Net operating income to assets | 1.7378% | 623 |
| Return on assets (ROA) | 1.7633% | 568 |
| Pretax return on assets | 1.7972% | 950 |
| Return on Equity (ROE) | 21.7836% | 264 |
| Retained earnings to average equity (ytd only) | 15.8079% | 75 |
| Net charge-offs to loans | 0.5449% | 2,191 |
| Credit loss provision to net charge-offs | 120.3390% | 4,463 |
| Earnings coverage of net charge-offs (x) | 8.7288% | 2,828 |
| Efficiency ratio | 54.1509% | 7,253 |
| Assets per employee ($millions) | 4.2068% | 3,106 |
| Cash dividends to net income (ytd only)* | 27.4321% | 4,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 3,901 |
| Loan loss allowance to noncurrent loans | 25.8704% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 2.2028% | 2,215 |
| Noncurrent loans to loans | 4.9627% | 894 |
| Net loans and leases to total assets | 39.7362% | 7,683 |
| Net loans and leases to deposits | 45.6494% | 7,795 |
| Net loans and leases to core deposits | 64.2422% | 7,434 |
| Total domestic deposits to total assets | 87.0466% | 1,912 |
| Equity capital to assets | 7.5081% | 7,371 |
| Core capital (leverage) ratio | 8.1307% | 6,282 |
| Tier 1 risk-based capital ratio | 16.9269% | 2,333 |
| Total risk-based capital ratio | 18.0298% | 2,325 |
| Memoranda: | ||
| Average total assets | $100,269,000 | 5,039 |
| Average earning assets | $93,375,600 | 4,989 |
| Average equity | $8,116,200 | 6,038 |
| Average total loans | $43,310,000 | 6,010 |