Home > Bridge City State Bank > Performance and Condition Ratios
Bridge City State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 3,561 |
| Cost of funding earning assets | 0.6830% | 3,950 |
| Net interest margin | 3.5532% | 2,056 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.4848% | 2,339 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0176% | 2,161 |
| Return on assets (ROA) | 1.0176% | 2,146 |
| Pretax return on assets | 1.1223% | 2,341 |
| Return on Equity (ROE) | 15.5700% | 1,183 |
| Retained earnings to average equity (ytd only) | 10.3822% | 926 |
| Net charge-offs to loans | 0.1005% | 904 |
| Credit loss provision to net charge-offs | 129.8851% | 1,601 |
| Earnings coverage of net charge-offs (x) | 27.9310% | 1,675 |
| Efficiency ratio | 67.8571% | 2,129 |
| Assets per employee ($millions) | 5.4660% | 3,277 |
| Cash dividends to net income (ytd only)* | 33.3175% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,083 |
| Loan loss allowance to noncurrent loans | 368.5039% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,760 |
| Noncurrent loans to loans | 0.2841% | 2,165 |
| Net loans and leases to total assets | 40.4700% | 4,026 |
| Net loans and leases to deposits | 44.5922% | 4,087 |
| Net loans and leases to core deposits | 47.5976% | 4,136 |
| Total domestic deposits to total assets | 90.7600% | 567 |
| Equity capital to assets | 7.2434% | 3,848 |
| Core capital (leverage) ratio | 11.9377% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6669% | 442 |
| Memoranda: | ||
| Average total assets | $206,457,400 | 2,944 |
| Average earning assets | $191,655,800 | 2,932 |
| Average equity | $13,494,200 | 3,379 |
| Average total loans | $86,546,800 | 3,339 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 3,617 |
| Cost of funding earning assets | 0.6420% | 3,895 |
| Net interest margin | 3.4818% | 2,250 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.4960% | 2,240 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9373% | 2,556 |
| Return on assets (ROA) | 0.9373% | 2,545 |
| Pretax return on assets | 1.0199% | 2,800 |
| Return on Equity (ROE) | 14.7700% | 1,490 |
| Retained earnings to average equity (ytd only) | 9.3476% | 1,589 |
| Net charge-offs to loans | 0.0901% | 847 |
| Credit loss provision to net charge-offs | 193.1034% | 1,147 |
| Earnings coverage of net charge-offs (x) | 28.7586% | 1,613 |
| Efficiency ratio | 69.5398% | 1,840 |
| Assets per employee ($millions) | 5.0929% | 3,532 |
| Cash dividends to net income (ytd only)* | 36.7133% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 2,831 |
| Loan loss allowance to noncurrent loans | 317.1053% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 2,578 |
| Noncurrent loans to loans | 0.3491% | 1,972 |
| Net loans and leases to total assets | 42.2700% | 3,982 |
| Net loans and leases to deposits | 45.7594% | 4,055 |
| Net loans and leases to core deposits | 48.5599% | 4,076 |
| Total domestic deposits to total assets | 92.3900% | 388 |
| Equity capital to assets | 5.3854% | 4,172 |
| Core capital (leverage) ratio | 11.9410% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7357% | 444 |
| Memoranda: | ||
| Average total assets | $203,412,000 | 2,970 |
| Average earning assets | $188,978,750 | 2,956 |
| Average equity | $12,908,500 | 3,431 |
| Average total loans | $85,828,750 | 3,346 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,612 |
| Cost of funding earning assets | 0.5598% | 3,856 |
| Net interest margin | 3.4764% | 2,325 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.4672% | 2,298 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9778% | 2,488 |
| Return on assets (ROA) | 0.9778% | 2,479 |
| Pretax return on assets | 1.0496% | 2,778 |
| Return on Equity (ROE) | 14.6700% | 1,534 |
| Retained earnings to average equity (ytd only) | 9.5025% | 1,540 |
| Net charge-offs to loans | 0.1194% | 609 |
| Credit loss provision to net charge-offs | 147.0588% | 1,209 |
| Earnings coverage of net charge-offs (x) | 22.3922% | 1,701 |
| Efficiency ratio | 68.7123% | 1,896 |
| Assets per employee ($millions) | 5.0958% | 3,512 |
| Cash dividends to net income (ytd only)* | 35.2113% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 2,936 |
| Loan loss allowance to noncurrent loans | 294.6372% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 2,462 |
| Noncurrent loans to loans | 0.3750% | 1,801 |
| Net loans and leases to total assets | 41.0200% | 4,003 |
| Net loans and leases to deposits | 44.9372% | 4,072 |
| Net loans and leases to core deposits | 47.7986% | 4,072 |
| Total domestic deposits to total assets | 91.2800% | 564 |
| Equity capital to assets | 6.6721% | 3,920 |
| Core capital (leverage) ratio | 12.0999% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4694% | 412 |
| Memoranda: | ||
| Average total assets | $203,310,333 | 2,980 |
| Average earning assets | $190,771,000 | 2,957 |
| Average equity | $13,554,333 | 3,391 |
| Average total loans | $85,410,000 | 3,359 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9657% | 3,516 |
| Cost of funding earning assets | 0.4902% | 3,727 |
| Net interest margin | 3.4755% | 2,434 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.4487% | 2,373 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0500% | 2,384 |
| Return on assets (ROA) | 1.0500% | 2,348 |
| Pretax return on assets | 1.0736% | 2,786 |
| Return on Equity (ROE) | 15.7600% | 1,408 |
| Retained earnings to average equity (ytd only) | 10.5827% | 1,561 |
| Net charge-offs to loans | 0.2283% | 326 |
| Credit loss provision to net charge-offs | 77.5510% | 1,221 |
| Earnings coverage of net charge-offs (x) | 11.8980% | 1,624 |
| Efficiency ratio | 68.0723% | 1,963 |
| Assets per employee ($millions) | 5.2354% | 3,474 |
| Cash dividends to net income (ytd only)* | 32.8330% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,271 |
| Loan loss allowance to noncurrent loans | 290.0000% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 2,453 |
| Noncurrent loans to loans | 0.3637% | 1,844 |
| Net loans and leases to total assets | 41.3000% | 3,984 |
| Net loans and leases to deposits | 44.7071% | 4,081 |
| Net loans and leases to core deposits | 46.8806% | 4,081 |
| Total domestic deposits to total assets | 92.3800% | 424 |
| Equity capital to assets | 7.0888% | 3,786 |
| Core capital (leverage) ratio | 11.8009% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5534% | 374 |
| Memoranda: | ||
| Average total assets | $203,049,000 | 3,021 |
| Average earning assets | $191,742,000 | 2,989 |
| Average equity | $13,531,500 | 3,432 |
| Average total loans | $85,844,500 | 3,388 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 2,801 |
| Cost of funding earning assets | 0.3022% | 2,856 |
| Net interest margin | 3.2978% | 2,568 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.3488% | 2,586 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.8542% | 3,136 |
| Return on assets (ROA) | 0.8542% | 3,072 |
| Pretax return on assets | 0.9545% | 3,209 |
| Return on Equity (ROE) | 10.9700% | 2,486 |
| Retained earnings to average equity (ytd only) | 6.6548% | 2,385 |
| Net charge-offs to loans | 0.4886% | 154 |
| Credit loss provision to net charge-offs | 48.2234% | 1,828 |
| Earnings coverage of net charge-offs (x) | 5.5279% | 2,374 |
| Efficiency ratio | 69.1938% | 1,798 |
| Assets per employee ($millions) | 5.0480% | 3,641 |
| Cash dividends to net income (ytd only)* | 39.3479% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 3,568 |
| Loan loss allowance to noncurrent loans | 273.9274% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 2,491 |
| Noncurrent loans to loans | 0.3504% | 1,890 |
| Net loans and leases to total assets | 42.4100% | 3,960 |
| Net loans and leases to deposits | 46.5038% | 4,033 |
| Net loans and leases to core deposits | 48.6858% | 4,030 |
| Total domestic deposits to total assets | 91.2000% | 876 |
| Equity capital to assets | 6.2347% | 4,005 |
| Core capital (leverage) ratio | 11.8218% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6493% | 385 |
| Memoranda: | ||
| Average total assets | $208,273,800 | 2,988 |
| Average earning assets | $197,190,600 | 2,958 |
| Average equity | $16,213,800 | 3,253 |
| Average total loans | $80,634,800 | 3,408 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4879% | 2,652 |
| Cost of funding earning assets | 0.2734% | 2,454 |
| Net interest margin | 3.2145% | 2,582 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.2916% | 2,651 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8138% | 3,196 |
| Return on assets (ROA) | 0.8138% | 3,162 |
| Pretax return on assets | 0.9174% | 3,266 |
| Return on Equity (ROE) | 9.9800% | 2,728 |
| Retained earnings to average equity (ytd only) | 5.8877% | 2,789 |
| Net charge-offs to loans | 0.6635% | 89 |
| Credit loss provision to net charge-offs | 40.6091% | 1,562 |
| Earnings coverage of net charge-offs (x) | 4.0711% | 2,187 |
| Efficiency ratio | 69.2190% | 1,861 |
| Assets per employee ($millions) | 5.2198% | 3,483 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 3,534 |
| Loan loss allowance to noncurrent loans | 360.3604% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 2,868 |
| Noncurrent loans to loans | 0.2746% | 2,275 |
| Net loans and leases to total assets | 39.3200% | 4,098 |
| Net loans and leases to deposits | 41.5720% | 4,189 |
| Net loans and leases to core deposits | 42.9559% | 4,200 |
| Total domestic deposits to total assets | 94.5800% | 273 |
| Equity capital to assets | 5.2105% | 4,230 |
| Core capital (leverage) ratio | 11.4941% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8171% | 392 |
| Memoranda: | ||
| Average total assets | $209,862,750 | 3,003 |
| Average earning assets | $198,511,750 | 2,966 |
| Average equity | $17,120,000 | 3,234 |
| Average total loans | $79,177,750 | 3,436 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3576% | 2,551 |
| Cost of funding earning assets | 0.2557% | 2,187 |
| Net interest margin | 3.1019% | 2,532 |
| Noninterest income to average assets | 0.2614% | 3,606 |
| Noninterest expense to average assets | 2.2504% | 2,703 |
| Loan and lease loss provision to assets | -0.0283% | 4,458 |
| Net operating income to assets | 0.8605% | 2,730 |
| Return on assets (ROA) | 0.8605% | 2,707 |
| Pretax return on assets | 0.9813% | 2,793 |
| Return on Equity (ROE) | 9.4552% | 2,540 |
| Retained earnings to average equity (ytd only) | 5.8266% | 2,393 |
| Net charge-offs to loans | 0.2951% | 237 |
| Credit loss provision to net charge-offs | -25.8621% | 2,995 |
| Earnings coverage of net charge-offs (x) | 8.7069% | 1,815 |
| Efficiency ratio | 70.2504% | 1,923 |
| Assets per employee ($millions) | 5.3346% | 3,397 |
| Cash dividends to net income (ytd only)* | 38.3772% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 3,154 |
| Loan loss allowance to noncurrent loans | 48.5777% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 582 |
| Noncurrent loans to loans | 2.2681% | 272 |
| Net loans and leases to total assets | 38.3128% | 4,155 |
| Net loans and leases to deposits | 40.9927% | 4,231 |
| Net loans and leases to core deposits | 42.2082% | 4,252 |
| Total domestic deposits to total assets | 93.4626% | 403 |
| Equity capital to assets | 6.3836% | 4,065 |
| Core capital (leverage) ratio | 11.3956% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6410% | 390 |
| Memoranda: | ||
| Average total assets | $211,960,000 | 3,016 |
| Average earning assets | $201,036,667 | 2,981 |
| Average equity | $19,291,000 | 3,124 |
| Average total loans | $78,623,333 | 3,470 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 2,480 |
| Cost of funding earning assets | 0.2676% | 1,948 |
| Net interest margin | 3.0007% | 2,501 |
| Noninterest income to average assets | 0.2637% | 3,548 |
| Noninterest expense to average assets | 2.2495% | 2,687 |
| Loan and lease loss provision to assets | -0.0935% | 4,591 |
| Net operating income to assets | 0.8564% | 2,464 |
| Return on assets (ROA) | 0.8564% | 2,454 |
| Pretax return on assets | 0.9593% | 2,576 |
| Return on Equity (ROE) | 8.2167% | 2,597 |
| Retained earnings to average equity (ytd only) | 5.0771% | 2,565 |
| Net charge-offs to loans | 0.5461% | 128 |
| Credit loss provision to net charge-offs | -47.1698% | 2,814 |
| Earnings coverage of net charge-offs (x) | 4.3679% | 1,628 |
| Efficiency ratio | 72.2089% | 1,949 |
| Assets per employee ($millions) | 5.3215% | 3,471 |
| Cash dividends to net income (ytd only)* | 38.2096% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,209 |
| Loan loss allowance to noncurrent loans | 47.5623% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8921% | 603 |
| Noncurrent loans to loans | 2.3708% | 265 |
| Net loans and leases to total assets | 36.1676% | 4,200 |
| Net loans and leases to deposits | 39.8363% | 4,253 |
| Net loans and leases to core deposits | 41.8937% | 4,244 |
| Total domestic deposits to total assets | 90.7906% | 1,138 |
| Equity capital to assets | 9.0506% | 2,668 |
| Core capital (leverage) ratio | 11.4898% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2884% | 368 |
| Memoranda: | ||
| Average total assets | $213,916,000 | 3,008 |
| Average earning assets | $203,285,000 | 2,983 |
| Average equity | $22,296,000 | 2,959 |
| Average total loans | $77,636,500 | 3,499 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1180% | 3,648 |
| Cost of funding earning assets | 0.3141% | 2,261 |
| Net interest margin | 2.8039% | 3,658 |
| Noninterest income to average assets | 0.5621% | 2,311 |
| Noninterest expense to average assets | 2.0717% | 3,465 |
| Loan and lease loss provision to assets | 0.0790% | 1,548 |
| Net operating income to assets | 0.9306% | 2,934 |
| Return on assets (ROA) | 1.0264% | 2,641 |
| Pretax return on assets | 1.2116% | 2,624 |
| Return on Equity (ROE) | 9.3359% | 2,777 |
| Retained earnings to average equity (ytd only) | 6.5419% | 2,105 |
| Net charge-offs to loans | 0.0445% | 1,393 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 74.5556% | 1,037 |
| Efficiency ratio | 63.7542% | 2,602 |
| Assets per employee ($millions) | 5.3743% | 3,387 |
| Cash dividends to net income (ytd only)* | 29.9273% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,203 |
| Loan loss allowance to noncurrent loans | 49.4264% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 566 |
| Noncurrent loans to loans | 2.7025% | 241 |
| Net loans and leases to total assets | 35.5277% | 4,313 |
| Net loans and leases to deposits | 40.4145% | 4,327 |
| Net loans and leases to core deposits | 42.4721% | 4,328 |
| Total domestic deposits to total assets | 87.9082% | 2,096 |
| Equity capital to assets | 11.7815% | 1,352 |
| Core capital (leverage) ratio | 11.5835% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6385% | 363 |
| Memoranda: | ||
| Average total assets | $227,881,200 | 2,861 |
| Average earning assets | $218,406,200 | 2,824 |
| Average equity | $25,053,800 | 2,844 |
| Average total loans | $80,893,200 | 3,467 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1132% | 3,782 |
| Cost of funding earning assets | 0.3236% | 2,364 |
| Net interest margin | 2.7895% | 3,805 |
| Noninterest income to average assets | 0.2388% | 3,972 |
| Noninterest expense to average assets | 2.0238% | 3,598 |
| Loan and lease loss provision to assets | 0.0865% | 1,374 |
| Net operating income to assets | 0.6995% | 3,769 |
| Return on assets (ROA) | 0.8285% | 3,512 |
| Pretax return on assets | 0.9519% | 3,582 |
| Return on Equity (ROE) | 7.6629% | 3,487 |
| Retained earnings to average equity (ytd only) | 4.8614% | 3,272 |
| Net charge-offs to loans | 0.0016% | 2,352 |
| Credit loss provision to net charge-offs | 15,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,543.0000% | 95 |
| Efficiency ratio | 69.4516% | 1,663 |
| Assets per employee ($millions) | 5.3254% | 3,382 |
| Cash dividends to net income (ytd only)* | 36.5599% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 2,392 |
| Loan loss allowance to noncurrent loans | 47.2058% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 652 |
| Noncurrent loans to loans | 2.7964% | 246 |
| Net loans and leases to total assets | 35.5719% | 4,408 |
| Net loans and leases to deposits | 40.3925% | 4,438 |
| Net loans and leases to core deposits | 42.7085% | 4,427 |
| Total domestic deposits to total assets | 88.0655% | 1,804 |
| Equity capital to assets | 11.5260% | 1,654 |
| Core capital (leverage) ratio | 11.0495% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6848% | 442 |
| Memoranda: | ||
| Average total assets | $231,108,250 | 2,869 |
| Average earning assets | $221,633,500 | 2,827 |
| Average equity | $24,985,500 | 2,884 |
| Average total loans | $81,764,250 | 3,491 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1192% | 3,822 |
| Cost of funding earning assets | 0.3354% | 2,440 |
| Net interest margin | 2.7838% | 3,819 |
| Noninterest income to average assets | 0.2303% | 4,020 |
| Noninterest expense to average assets | 1.9842% | 3,748 |
| Loan and lease loss provision to assets | 0.1020% | 1,244 |
| Net operating income to assets | 0.6864% | 3,792 |
| Return on assets (ROA) | 0.7767% | 3,640 |
| Pretax return on assets | 0.9160% | 3,624 |
| Return on Equity (ROE) | 7.3339% | 3,568 |
| Retained earnings to average equity (ytd only) | 4.5255% | 3,352 |
| Net charge-offs to loans | -0.0024% | 3,233 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5153% | 1,814 |
| Assets per employee ($millions) | 5.5341% | 3,088 |
| Cash dividends to net income (ytd only)* | 38.2932% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,708 |
| Loan loss allowance to noncurrent loans | 45.4995% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.0038% | 749 |
| Noncurrent loans to loans | 2.7343% | 284 |
| Net loans and leases to total assets | 36.2539% | 4,456 |
| Net loans and leases to deposits | 41.0730% | 4,484 |
| Net loans and leases to core deposits | 43.4806% | 4,477 |
| Total domestic deposits to total assets | 88.2668% | 1,689 |
| Equity capital to assets | 11.3279% | 1,741 |
| Core capital (leverage) ratio | 10.3449% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7649% | 496 |
| Memoranda: | ||
| Average total assets | $235,364,000 | 2,841 |
| Average earning assets | $225,377,333 | 2,792 |
| Average equity | $24,925,333 | 2,888 |
| Average total loans | $82,783,333 | 3,501 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0139% | 4,051 |
| Cost of funding earning assets | 0.3387% | 2,638 |
| Net interest margin | 2.6752% | 4,015 |
| Noninterest income to average assets | 0.2096% | 4,127 |
| Noninterest expense to average assets | 1.9194% | 3,937 |
| Loan and lease loss provision to assets | 0.1485% | 877 |
| Net operating income to assets | 0.6090% | 3,916 |
| Return on assets (ROA) | 0.7905% | 3,524 |
| Pretax return on assets | 0.9028% | 3,590 |
| Return on Equity (ROE) | 7.7103% | 3,411 |
| Retained earnings to average equity (ytd only) | 4.8934% | 3,256 |
| Net charge-offs to loans | -0.0048% | 3,377 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4328% | 1,765 |
| Assets per employee ($millions) | 6.0045% | 2,600 |
| Cash dividends to net income (ytd only)* | 36.5344% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,040 |
| Loan loss allowance to noncurrent loans | 36.7691% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 709 |
| Noncurrent loans to loans | 3.2071% | 234 |
| Net loans and leases to total assets | 34.2284% | 4,568 |
| Net loans and leases to deposits | 38.1423% | 4,620 |
| Net loans and leases to core deposits | 40.0444% | 4,618 |
| Total domestic deposits to total assets | 89.7386% | 936 |
| Equity capital to assets | 9.9691% | 2,731 |
| Core capital (leverage) ratio | 9.9087% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4664% | 483 |
| Memoranda: | ||
| Average total assets | $242,364,000 | 2,780 |
| Average earning assets | $231,462,500 | 2,735 |
| Average equity | $24,850,000 | 2,883 |
| Average total loans | $83,543,000 | 3,502 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1261% | 4,535 |
| Cost of funding earning assets | 0.4410% | 3,341 |
| Net interest margin | 2.6851% | 4,397 |
| Noninterest income to average assets | 0.2394% | 4,069 |
| Noninterest expense to average assets | 1.9422% | 4,247 |
| Loan and lease loss provision to assets | 0.0758% | 3,431 |
| Net operating income to assets | 0.6686% | 3,529 |
| Return on assets (ROA) | 0.8015% | 3,205 |
| Pretax return on assets | 0.9522% | 3,214 |
| Return on Equity (ROE) | 7.9247% | 2,851 |
| Retained earnings to average equity (ytd only) | 5.1398% | 2,217 |
| Net charge-offs to loans | 0.0206% | 2,650 |
| Credit loss provision to net charge-offs | 1,076.4706% | 747 |
| Earnings coverage of net charge-offs (x) | 123.5294% | 691 |
| Efficiency ratio | 69.0676% | 2,084 |
| Assets per employee ($millions) | 6.2704% | 2,100 |
| Cash dividends to net income (ytd only)* | 35.1421% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,634 |
| Loan loss allowance to noncurrent loans | 76.2639% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 1,663 |
| Noncurrent loans to loans | 1.3910% | 982 |
| Net loans and leases to total assets | 33.9424% | 4,650 |
| Net loans and leases to deposits | 38.1297% | 4,699 |
| Net loans and leases to core deposits | 39.6328% | 4,709 |
| Total domestic deposits to total assets | 89.0181% | 982 |
| Equity capital to assets | 10.5321% | 2,643 |
| Core capital (leverage) ratio | 9.4174% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9392% | 507 |
| Memoranda: | ||
| Average total assets | $241,428,400 | 2,644 |
| Average earning assets | $231,313,600 | 2,594 |
| Average equity | $24,417,400 | 2,849 |
| Average total loans | $82,695,800 | 3,514 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1843% | 4,608 |
| Cost of funding earning assets | 0.4569% | 3,485 |
| Net interest margin | 2.7274% | 4,431 |
| Noninterest income to average assets | 0.2443% | 4,017 |
| Noninterest expense to average assets | 1.9314% | 4,283 |
| Loan and lease loss provision to assets | 0.0881% | 3,210 |
| Net operating income to assets | 0.7022% | 3,449 |
| Return on assets (ROA) | 0.8200% | 3,139 |
| Pretax return on assets | 0.9746% | 3,147 |
| Return on Equity (ROE) | 8.1938% | 2,730 |
| Retained earnings to average equity (ytd only) | 5.5363% | 2,311 |
| Net charge-offs to loans | 0.0097% | 2,760 |
| Credit loss provision to net charge-offs | 2,650.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 277.5000% | 387 |
| Efficiency ratio | 67.6762% | 2,229 |
| Assets per employee ($millions) | 6.4354% | 1,882 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,511 |
| Loan loss allowance to noncurrent loans | 55.6119% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,570 |
| Noncurrent loans to loans | 1.8723% | 683 |
| Net loans and leases to total assets | 31.5899% | 4,796 |
| Net loans and leases to deposits | 35.1556% | 4,840 |
| Net loans and leases to core deposits | 36.1077% | 4,844 |
| Total domestic deposits to total assets | 89.8576% | 478 |
| Equity capital to assets | 9.6216% | 3,580 |
| Core capital (leverage) ratio | 8.8333% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9212% | 517 |
| Memoranda: | ||
| Average total assets | $240,648,750 | 2,622 |
| Average earning assets | $230,246,000 | 2,578 |
| Average equity | $24,082,750 | 2,863 |
| Average total loans | $82,396,000 | 3,535 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3474% | 4,594 |
| Cost of funding earning assets | 0.4623% | 3,732 |
| Net interest margin | 2.8852% | 4,333 |
| Noninterest income to average assets | 0.2241% | 4,149 |
| Noninterest expense to average assets | 1.9930% | 4,248 |
| Loan and lease loss provision to assets | 0.1159% | 2,864 |
| Net operating income to assets | 0.7312% | 3,277 |
| Return on assets (ROA) | 0.7788% | 3,230 |
| Pretax return on assets | 0.9265% | 3,240 |
| Return on Equity (ROE) | 7.6708% | 2,872 |
| Retained earnings to average equity (ytd only) | 4.9645% | 2,495 |
| Net charge-offs to loans | -0.0024% | 3,851 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9069% | 2,394 |
| Assets per employee ($millions) | 6.4923% | 1,782 |
| Cash dividends to net income (ytd only)* | 35.2811% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,396 |
| Loan loss allowance to noncurrent loans | 74.2019% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,186 |
| Noncurrent loans to loans | 1.3925% | 1,113 |
| Net loans and leases to total assets | 31.7196% | 4,823 |
| Net loans and leases to deposits | 35.2946% | 4,873 |
| Net loans and leases to core deposits | 36.2725% | 4,876 |
| Total domestic deposits to total assets | 89.8710% | 439 |
| Equity capital to assets | 9.6688% | 3,510 |
| Core capital (leverage) ratio | 9.1719% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5202% | 539 |
| Memoranda: | ||
| Average total assets | $232,914,000 | 2,658 |
| Average earning assets | $222,379,333 | 2,608 |
| Average equity | $23,648,000 | 2,881 |
| Average total loans | $81,785,333 | 3,548 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5866% | 4,544 |
| Cost of funding earning assets | 0.4643% | 4,095 |
| Net interest margin | 3.1224% | 4,042 |
| Noninterest income to average assets | 0.2496% | 4,053 |
| Noninterest expense to average assets | 2.1300% | 4,156 |
| Loan and lease loss provision to assets | 0.1111% | 2,296 |
| Net operating income to assets | 0.8409% | 2,747 |
| Return on assets (ROA) | 0.8837% | 2,672 |
| Pretax return on assets | 1.0495% | 2,666 |
| Return on Equity (ROE) | 8.4651% | 2,328 |
| Retained earnings to average equity (ytd only) | 5.6725% | 2,001 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7480% | 3,000 |
| Assets per employee ($millions) | 5.4650% | 2,161 |
| Cash dividends to net income (ytd only)* | 32.9897% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 3,940 |
| Loan loss allowance to noncurrent loans | 68.7391% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 2,147 |
| Noncurrent loans to loans | 1.3790% | 1,166 |
| Net loans and leases to total assets | 36.6096% | 4,758 |
| Net loans and leases to deposits | 40.9682% | 4,822 |
| Net loans and leases to core deposits | 41.7039% | 4,848 |
| Total domestic deposits to total assets | 89.3611% | 528 |
| Equity capital to assets | 10.3046% | 3,516 |
| Core capital (leverage) ratio | 10.2418% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4390% | 604 |
| Memoranda: | ||
| Average total assets | $219,525,500 | 2,712 |
| Average earning assets | $210,225,500 | 2,662 |
| Average equity | $22,917,500 | 2,931 |
| Average total loans | $81,061,500 | 3,562 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 4,774 |
| Cost of funding earning assets | 0.4431% | 4,295 |
| Net interest margin | 3.1593% | 4,271 |
| Noninterest income to average assets | 0.2856% | 3,975 |
| Noninterest expense to average assets | 2.1088% | 4,347 |
| Loan and lease loss provision to assets | 0.0285% | 3,446 |
| Net operating income to assets | 1.0025% | 2,838 |
| Return on assets (ROA) | 1.0183% | 2,871 |
| Pretax return on assets | 1.1988% | 2,847 |
| Return on Equity (ROE) | 10.2745% | 2,169 |
| Retained earnings to average equity (ytd only) | 7.2061% | 1,305 |
| Net charge-offs to loans | 0.1151% | 1,589 |
| Credit loss provision to net charge-offs | 69.7674% | 2,914 |
| Earnings coverage of net charge-offs (x) | 29.5814% | 1,596 |
| Efficiency ratio | 63.5634% | 3,134 |
| Assets per employee ($millions) | 5.3747% | 2,171 |
| Cash dividends to net income (ytd only)* | 29.8647% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 3,904 |
| Loan loss allowance to noncurrent loans | 39.7366% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 1,516 |
| Noncurrent loans to loans | 2.2973% | 518 |
| Net loans and leases to total assets | 36.5534% | 4,826 |
| Net loans and leases to deposits | 41.0004% | 4,885 |
| Net loans and leases to core deposits | 41.5750% | 4,914 |
| Total domestic deposits to total assets | 89.1538% | 608 |
| Equity capital to assets | 10.5802% | 3,364 |
| Core capital (leverage) ratio | 10.4780% | 2,974 |
| Tier 1 risk-based capital ratio | 21.8535% | 1,046 |
| Total risk-based capital ratio | 22.5932% | 1,090 |
| Memoranda: | ||
| Average total assets | $210,454,400 | 2,749 |
| Average earning assets | $201,975,600 | 2,693 |
| Average equity | $20,857,400 | 3,048 |
| Average total loans | $74,712,800 | 3,687 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 4,866 |
| Cost of funding earning assets | 0.4317% | 4,395 |
| Net interest margin | 3.1887% | 4,324 |
| Noninterest income to average assets | 0.2943% | 3,976 |
| Noninterest expense to average assets | 2.0790% | 4,397 |
| Loan and lease loss provision to assets | 0.0287% | 3,330 |
| Net operating income to assets | 1.0547% | 2,768 |
| Return on assets (ROA) | 1.0644% | 2,799 |
| Pretax return on assets | 1.2701% | 2,751 |
| Return on Equity (ROE) | 10.9292% | 2,047 |
| Retained earnings to average equity (ytd only) | 7.7897% | 1,492 |
| Net charge-offs to loans | 0.1396% | 1,152 |
| Credit loss provision to net charge-offs | 58.4416% | 2,721 |
| Earnings coverage of net charge-offs (x) | 26.2478% | 1,749 |
| Efficiency ratio | 61.7597% | 3,358 |
| Assets per employee ($millions) | 5.3888% | 2,133 |
| Cash dividends to net income (ytd only)* | 28.7252% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,726 |
| Loan loss allowance to noncurrent loans | 80.0446% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 2,800 |
| Noncurrent loans to loans | 1.2129% | 1,296 |
| Net loans and leases to total assets | 34.8460% | 4,972 |
| Net loans and leases to deposits | 39.2047% | 5,016 |
| Net loans and leases to core deposits | 39.7074% | 5,042 |
| Total domestic deposits to total assets | 88.8821% | 657 |
| Equity capital to assets | 10.7221% | 3,360 |
| Core capital (leverage) ratio | 10.2262% | 3,390 |
| Tier 1 risk-based capital ratio | 22.7560% | 976 |
| Total risk-based capital ratio | 23.5310% | 1,006 |
| Memoranda: | ||
| Average total assets | $209,321,250 | 2,786 |
| Average earning assets | $201,663,250 | 2,714 |
| Average equity | $20,385,250 | 3,119 |
| Average total loans | $73,563,750 | 3,751 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 4,948 |
| Cost of funding earning assets | 0.4128% | 4,455 |
| Net interest margin | 3.1673% | 4,422 |
| Noninterest income to average assets | 0.3052% | 3,888 |
| Noninterest expense to average assets | 2.0475% | 4,522 |
| Loan and lease loss provision to assets | 0.0287% | 3,246 |
| Net operating income to assets | 1.0912% | 2,561 |
| Return on assets (ROA) | 1.1060% | 2,571 |
| Pretax return on assets | 1.2926% | 2,585 |
| Return on Equity (ROE) | 11.7545% | 1,674 |
| Retained earnings to average equity (ytd only) | 8.5007% | 1,206 |
| Net charge-offs to loans | 0.1906% | 868 |
| Credit loss provision to net charge-offs | 42.8571% | 2,520 |
| Earnings coverage of net charge-offs (x) | 19.4714% | 1,817 |
| Efficiency ratio | 61.0905% | 3,570 |
| Assets per employee ($millions) | 5.6899% | 1,797 |
| Cash dividends to net income (ytd only)* | 27.6817% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 3,845 |
| Loan loss allowance to noncurrent loans | 97.9310% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 2,603 |
| Noncurrent loans to loans | 0.9778% | 1,672 |
| Net loans and leases to total assets | 34.8837% | 5,010 |
| Net loans and leases to deposits | 38.9572% | 5,065 |
| Net loans and leases to core deposits | 39.4522% | 5,087 |
| Total domestic deposits to total assets | 89.5438% | 466 |
| Equity capital to assets | 10.2449% | 3,751 |
| Core capital (leverage) ratio | 10.1652% | 3,422 |
| Tier 1 risk-based capital ratio | 21.8148% | 1,075 |
| Total risk-based capital ratio | 22.5620% | 1,122 |
| Memoranda: | ||
| Average total assets | $209,040,000 | 2,794 |
| Average earning assets | $201,056,330 | 2,726 |
| Average equity | $19,669,000 | 3,178 |
| Average total loans | $73,434,330 | 3,775 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 4,952 |
| Cost of funding earning assets | 0.3946% | 4,509 |
| Net interest margin | 3.2205% | 4,347 |
| Noninterest income to average assets | 0.3149% | 3,753 |
| Noninterest expense to average assets | 2.0663% | 4,520 |
| Loan and lease loss provision to assets | 0.0288% | 3,038 |
| Net operating income to assets | 1.1138% | 2,417 |
| Return on assets (ROA) | 1.1138% | 2,463 |
| Pretax return on assets | 1.3077% | 2,424 |
| Return on Equity (ROE) | 12.3935% | 1,412 |
| Retained earnings to average equity (ytd only) | 8.9746% | 1,330 |
| Net charge-offs to loans | 0.3832% | 406 |
| Credit loss provision to net charge-offs | 21.4286% | 2,124 |
| Earnings coverage of net charge-offs (x) | 9.9429% | 1,991 |
| Efficiency ratio | 60.7223% | 3,715 |
| Assets per employee ($millions) | 5.6285% | 1,862 |
| Cash dividends to net income (ytd only)* | 27.5862% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 4,022 |
| Loan loss allowance to noncurrent loans | 95.8621% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 2,649 |
| Noncurrent loans to loans | 0.9758% | 1,713 |
| Net loans and leases to total assets | 35.3442% | 5,034 |
| Net loans and leases to deposits | 39.1209% | 5,091 |
| Net loans and leases to core deposits | 39.6189% | 5,116 |
| Total domestic deposits to total assets | 90.3460% | 338 |
| Equity capital to assets | 9.4764% | 4,282 |
| Core capital (leverage) ratio | 9.9393% | 3,666 |
| Tier 1 risk-based capital ratio | 20.8211% | 1,194 |
| Total risk-based capital ratio | 21.5465% | 1,254 |
| Memoranda: | ||
| Average total assets | $208,297,500 | 2,826 |
| Average earning assets | $199,720,000 | 2,766 |
| Average equity | $18,719,500 | 3,288 |
| Average total loans | $73,077,000 | 3,816 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4140% | 4,992 |
| Cost of funding earning assets | 0.3794% | 4,110 |
| Net interest margin | 3.0346% | 4,758 |
| Noninterest income to average assets | 0.3097% | 4,044 |
| Noninterest expense to average assets | 1.9906% | 4,774 |
| Loan and lease loss provision to assets | -0.0264% | 5,146 |
| Net operating income to assets | 1.0536% | 2,788 |
| Return on assets (ROA) | 1.0536% | 2,776 |
| Pretax return on assets | 1.2403% | 2,737 |
| Return on Equity (ROE) | 13.5323% | 1,162 |
| Retained earnings to average equity (ytd only) | 9.8212% | 649 |
| Net charge-offs to loans | -0.1990% | 5,268 |
| Credit loss provision to net charge-offs | 43.1818% | 3,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1177% | 3,501 |
| Assets per employee ($millions) | 5.7872% | 1,685 |
| Cash dividends to net income (ytd only)* | 27.4243% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,429 |
| Loan loss allowance to noncurrent loans | 99.2063% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 2,566 |
| Noncurrent loans to loans | 1.0521% | 1,551 |
| Net loans and leases to total assets | 34.1283% | 5,118 |
| Net loans and leases to deposits | 37.3324% | 5,169 |
| Net loans and leases to core deposits | 37.7418% | 5,199 |
| Total domestic deposits to total assets | 91.4174% | 130 |
| Equity capital to assets | 8.4976% | 4,931 |
| Core capital (leverage) ratio | 9.5998% | 4,006 |
| Tier 1 risk-based capital ratio | 20.4196% | 1,239 |
| Total risk-based capital ratio | 21.2008% | 1,289 |
| Memoranda: | ||
| Average total assets | $216,311,800 | 2,717 |
| Average earning assets | $206,354,400 | 2,669 |
| Average equity | $16,841,200 | 3,417 |
| Average total loans | $66,319,600 | 3,958 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 5,075 |
| Cost of funding earning assets | 0.3826% | 3,979 |
| Net interest margin | 2.9765% | 4,880 |
| Noninterest income to average assets | 0.3066% | 4,099 |
| Noninterest expense to average assets | 1.9062% | 4,890 |
| Loan and lease loss provision to assets | -0.0531% | 5,297 |
| Net operating income to assets | 1.0939% | 2,691 |
| Return on assets (ROA) | 1.0939% | 2,710 |
| Pretax return on assets | 1.2899% | 2,664 |
| Return on Equity (ROE) | 14.3631% | 1,021 |
| Retained earnings to average equity (ytd only) | 10.3533% | 809 |
| Net charge-offs to loans | -0.2710% | 5,346 |
| Credit loss provision to net charge-offs | 65.9091% | 2,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6490% | 3,715 |
| Assets per employee ($millions) | 5.9698% | 1,508 |
| Cash dividends to net income (ytd only)* | 27.9174% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,548 |
| Loan loss allowance to noncurrent loans | 59.7015% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 2,055 |
| Noncurrent loans to loans | 1.7378% | 892 |
| Net loans and leases to total assets | 32.8697% | 5,224 |
| Net loans and leases to deposits | 35.6335% | 5,279 |
| Net loans and leases to core deposits | 36.3963% | 5,291 |
| Total domestic deposits to total assets | 92.2438% | 69 |
| Equity capital to assets | 7.5959% | 5,288 |
| Core capital (leverage) ratio | 9.1638% | 4,551 |
| Tier 1 risk-based capital ratio | 20.2918% | 1,281 |
| Total risk-based capital ratio | 21.0518% | 1,343 |
| Memoranda: | ||
| Average total assets | $218,304,750 | 2,724 |
| Average earning assets | $208,028,000 | 2,666 |
| Average equity | $16,625,500 | 3,464 |
| Average total loans | $64,936,250 | 4,020 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2773% | 5,161 |
| Cost of funding earning assets | 0.3773% | 3,891 |
| Net interest margin | 2.9000% | 5,014 |
| Noninterest income to average assets | 0.3008% | 4,167 |
| Noninterest expense to average assets | 1.8363% | 5,054 |
| Loan and lease loss provision to assets | -0.0786% | 5,404 |
| Net operating income to assets | 1.0983% | 2,589 |
| Return on assets (ROA) | 1.0983% | 2,599 |
| Pretax return on assets | 1.3061% | 2,484 |
| Return on Equity (ROE) | 14.4101% | 983 |
| Retained earnings to average equity (ytd only) | 10.5587% | 773 |
| Net charge-offs to loans | -0.4192% | 5,417 |
| Credit loss provision to net charge-offs | 65.4135% | 2,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9351% | 3,947 |
| Assets per employee ($millions) | 5.8449% | 1,602 |
| Cash dividends to net income (ytd only)* | 26.7270% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 3,496 |
| Loan loss allowance to noncurrent loans | 143.3400% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 3,260 |
| Noncurrent loans to loans | 0.7376% | 2,266 |
| Net loans and leases to total assets | 31.2000% | 5,304 |
| Net loans and leases to deposits | 33.7799% | 5,350 |
| Net loans and leases to core deposits | 34.4765% | 5,363 |
| Total domestic deposits to total assets | 92.3625% | 57 |
| Equity capital to assets | 7.5214% | 5,371 |
| Core capital (leverage) ratio | 8.8388% | 4,852 |
| Tier 1 risk-based capital ratio | 19.6633% | 1,389 |
| Total risk-based capital ratio | 20.4158% | 1,470 |
| Memoranda: | ||
| Average total assets | $221,425,330 | 2,720 |
| Average earning assets | $210,969,000 | 2,657 |
| Average equity | $16,877,000 | 3,454 |
| Average total loans | $63,448,670 | 4,084 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1413% | 5,281 |
| Cost of funding earning assets | 0.3694% | 3,837 |
| Net interest margin | 2.7718% | 5,189 |
| Noninterest income to average assets | 0.3232% | 3,994 |
| Noninterest expense to average assets | 1.7999% | 5,149 |
| Loan and lease loss provision to assets | -0.1554% | 5,535 |
| Net operating income to assets | 1.1196% | 2,336 |
| Return on assets (ROA) | 1.1196% | 2,354 |
| Pretax return on assets | 1.3178% | 2,297 |
| Return on Equity (ROE) | 14.5962% | 878 |
| Retained earnings to average equity (ytd only) | 11.1043% | 870 |
| Net charge-offs to loans | -0.8711% | 5,532 |
| Credit loss provision to net charge-offs | 65.4135% | 1,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7595% | 3,979 |
| Assets per employee ($millions) | 6.1891% | 1,370 |
| Cash dividends to net income (ytd only)* | 23.9234% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,132 |
| Loan loss allowance to noncurrent loans | 133.5185% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 3,310 |
| Noncurrent loans to loans | 0.8550% | 2,112 |
| Net loans and leases to total assets | 28.0232% | 5,409 |
| Net loans and leases to deposits | 30.2624% | 5,446 |
| Net loans and leases to core deposits | 31.1677% | 5,443 |
| Total domestic deposits to total assets | 92.6008% | 58 |
| Equity capital to assets | 7.2102% | 5,486 |
| Core capital (leverage) ratio | 8.5241% | 5,126 |
| Tier 1 risk-based capital ratio | 20.0433% | 1,335 |
| Total risk-based capital ratio | 20.8268% | 1,390 |
| Memoranda: | ||
| Average total assets | $224,006,500 | 2,715 |
| Average earning assets | $213,290,500 | 2,659 |
| Average equity | $17,182,500 | 3,449 |
| Average total loans | $61,075,500 | 4,174 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1207% | 5,268 |
| Cost of funding earning assets | 0.3749% | 3,469 |
| Net interest margin | 2.7457% | 5,231 |
| Noninterest income to average assets | 0.3397% | 4,040 |
| Noninterest expense to average assets | 1.8876% | 5,132 |
| Loan and lease loss provision to assets | 0.0480% | 3,264 |
| Net operating income to assets | 0.7856% | 3,225 |
| Return on assets (ROA) | 0.8036% | 3,183 |
| Pretax return on assets | 1.0462% | 3,394 |
| Return on Equity (ROE) | 9.4562% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.6303% | 1,750 |
| Net charge-offs to loans | 0.1574% | 1,547 |
| Credit loss provision to net charge-offs | 105.3191% | 2,442 |
| Earnings coverage of net charge-offs (x) | 23.4787% | 1,806 |
| Efficiency ratio | 63.8019% | 3,631 |
| Assets per employee ($millions) | 6.6128% | 1,141 |
| Cash dividends to net income (ytd only)* | 40.4589% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,094 |
| Loan loss allowance to noncurrent loans | 103.3691% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 3,157 |
| Noncurrent loans to loans | 1.1069% | 1,596 |
| Net loans and leases to total assets | 25.9376% | 5,505 |
| Net loans and leases to deposits | 28.2563% | 5,538 |
| Net loans and leases to core deposits | 29.1764% | 5,541 |
| Total domestic deposits to total assets | 91.7940% | 97 |
| Equity capital to assets | 8.0272% | 5,385 |
| Core capital (leverage) ratio | 8.4455% | 5,183 |
| Tier 1 risk-based capital ratio | 20.8199% | 1,171 |
| Total risk-based capital ratio | 21.6142% | 1,222 |
| Memoranda: | ||
| Average total assets | $206,077,000 | 2,860 |
| Average earning assets | $196,561,000 | 2,802 |
| Average equity | $17,512,400 | 3,428 |
| Average total loans | $59,718,600 | 4,209 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1609% | 5,281 |
| Cost of funding earning assets | 0.3791% | 3,383 |
| Net interest margin | 2.7818% | 5,248 |
| Noninterest income to average assets | 0.3423% | 4,087 |
| Noninterest expense to average assets | 1.9405% | 5,067 |
| Loan and lease loss provision to assets | 0.0523% | 3,052 |
| Net operating income to assets | 0.7874% | 3,572 |
| Return on assets (ROA) | 0.8130% | 3,512 |
| Pretax return on assets | 1.0348% | 3,548 |
| Return on Equity (ROE) | 9.4214% | 2,394 |
| Retained earnings to average equity (ytd only) | 5.7771% | 2,386 |
| Net charge-offs to loans | 0.2092% | 1,027 |
| Credit loss provision to net charge-offs | 84.0426% | 2,526 |
| Earnings coverage of net charge-offs (x) | 16.9469% | 2,140 |
| Efficiency ratio | 64.7878% | 3,406 |
| Assets per employee ($millions) | 6.4112% | 1,240 |
| Cash dividends to net income (ytd only)* | 38.6810% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,393 |
| Loan loss allowance to noncurrent loans | 50.9728% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 2,199 |
| Noncurrent loans to loans | 2.1930% | 745 |
| Net loans and leases to total assets | 28.2418% | 5,531 |
| Net loans and leases to deposits | 31.0800% | 5,571 |
| Net loans and leases to core deposits | 32.1833% | 5,577 |
| Total domestic deposits to total assets | 90.8680% | 218 |
| Equity capital to assets | 8.9556% | 4,950 |
| Core capital (leverage) ratio | 8.9867% | 4,760 |
| Tier 1 risk-based capital ratio | 21.1304% | 1,176 |
| Total risk-based capital ratio | 21.9236% | 1,218 |
| Memoranda: | ||
| Average total assets | $201,387,250 | 2,939 |
| Average earning assets | $192,051,000 | 2,872 |
| Average equity | $17,378,500 | 3,479 |
| Average total loans | $59,900,250 | 4,244 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1660% | 5,282 |
| Cost of funding earning assets | 0.3826% | 3,264 |
| Net interest margin | 2.7834% | 5,267 |
| Noninterest income to average assets | 0.3428% | 4,096 |
| Noninterest expense to average assets | 1.9567% | 5,063 |
| Loan and lease loss provision to assets | 0.0600% | 2,764 |
| Net operating income to assets | 0.7570% | 3,601 |
| Return on assets (ROA) | 0.7765% | 3,563 |
| Pretax return on assets | 0.9973% | 3,579 |
| Return on Equity (ROE) | 9.1160% | 2,458 |
| Retained earnings to average equity (ytd only) | 5.5963% | 2,357 |
| Net charge-offs to loans | 0.3381% | 596 |
| Credit loss provision to net charge-offs | 58.8235% | 2,474 |
| Earnings coverage of net charge-offs (x) | 10.1275% | 2,367 |
| Efficiency ratio | 65.4631% | 3,440 |
| Assets per employee ($millions) | 5.5429% | 1,832 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,723 |
| Loan loss allowance to noncurrent loans | 134.1880% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 3,508 |
| Noncurrent loans to loans | 0.8002% | 2,405 |
| Net loans and leases to total assets | 29.8242% | 5,548 |
| Net loans and leases to deposits | 32.9163% | 5,593 |
| Net loans and leases to core deposits | 34.4216% | 5,593 |
| Total domestic deposits to total assets | 90.6062% | 322 |
| Equity capital to assets | 9.2515% | 4,669 |
| Core capital (leverage) ratio | 8.9212% | 4,812 |
| Tier 1 risk-based capital ratio | 21.5066% | 1,119 |
| Total risk-based capital ratio | 22.2953% | 1,150 |
| Memoranda: | ||
| Average total assets | $200,130,670 | 2,969 |
| Average earning assets | $190,270,330 | 2,912 |
| Average equity | $17,047,000 | 3,530 |
| Average total loans | $60,335,330 | 4,254 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0518% | 5,408 |
| Cost of funding earning assets | 0.3828% | 3,176 |
| Net interest margin | 2.6690% | 5,423 |
| Noninterest income to average assets | 0.3799% | 3,808 |
| Noninterest expense to average assets | 1.9193% | 5,208 |
| Loan and lease loss provision to assets | 0.0394% | 3,015 |
| Net operating income to assets | 0.7579% | 3,439 |
| Return on assets (ROA) | 0.7579% | 3,493 |
| Pretax return on assets | 0.9606% | 3,543 |
| Return on Equity (ROE) | 9.2791% | 2,280 |
| Retained earnings to average equity (ytd only) | 5.6638% | 2,512 |
| Net charge-offs to loans | 0.5746% | 311 |
| Credit loss provision to net charge-offs | 22.7273% | 2,158 |
| Earnings coverage of net charge-offs (x) | 5.7727% | 2,260 |
| Efficiency ratio | 65.7451% | 3,540 |
| Assets per employee ($millions) | 6.1631% | 1,387 |
| Cash dividends to net income (ytd only)* | 38.9610% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 4,354 |
| Loan loss allowance to noncurrent loans | 105.0611% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 2,747 |
| Noncurrent loans to loans | 0.9417% | 2,161 |
| Net loans and leases to total assets | 28.7520% | 5,612 |
| Net loans and leases to deposits | 31.3274% | 5,665 |
| Net loans and leases to core deposits | 32.5658% | 5,660 |
| Total domestic deposits to total assets | 91.7788% | 131 |
| Equity capital to assets | 8.0709% | 5,490 |
| Core capital (leverage) ratio | 8.6516% | 5,102 |
| Tier 1 risk-based capital ratio | 20.2933% | 1,334 |
| Total risk-based capital ratio | 21.0178% | 1,403 |
| Memoranda: | ||
| Average total assets | $203,196,000 | 2,956 |
| Average earning assets | $193,330,000 | 2,893 |
| Average equity | $16,596,500 | 3,591 |
| Average total loans | $61,259,500 | 4,267 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3340% | 5,111 |
| Cost of funding earning assets | 0.3558% | 3,456 |
| Net interest margin | 2.9782% | 5,003 |
| Noninterest income to average assets | 0.3898% | 3,963 |
| Noninterest expense to average assets | 1.9922% | 5,207 |
| Loan and lease loss provision to assets | 0.0701% | 2,955 |
| Net operating income to assets | 0.8725% | 2,968 |
| Return on assets (ROA) | 0.9281% | 2,806 |
| Pretax return on assets | 1.2111% | 2,617 |
| Return on Equity (ROE) | 10.2864% | 1,850 |
| Retained earnings to average equity (ytd only) | 7.3872% | 1,083 |
| Net charge-offs to loans | 0.5617% | 415 |
| Credit loss provision to net charge-offs | 38.0682% | 3,514 |
| Earnings coverage of net charge-offs (x) | 6.5653% | 3,151 |
| Efficiency ratio | 62.2324% | 4,216 |
| Assets per employee ($millions) | 5.6242% | 1,766 |
| Cash dividends to net income (ytd only)* | 28.1849% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,787 |
| Loan loss allowance to noncurrent loans | 70.0104% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 2,801 |
| Noncurrent loans to loans | 1.5518% | 1,283 |
| Net loans and leases to total assets | 30.9879% | 5,622 |
| Net loans and leases to deposits | 33.8194% | 5,677 |
| Net loans and leases to core deposits | 35.1950% | 5,691 |
| Total domestic deposits to total assets | 91.6276% | 144 |
| Equity capital to assets | 8.2708% | 5,438 |
| Core capital (leverage) ratio | 9.1503% | 4,552 |
| Tier 1 risk-based capital ratio | 20.3582% | 1,314 |
| Total risk-based capital ratio | 21.1742% | 1,357 |
| Memoranda: | ||
| Average total assets | $191,146,200 | 3,049 |
| Average earning assets | $180,443,000 | 3,011 |
| Average equity | $17,246,000 | 3,522 |
| Average total loans | $62,663,600 | 4,206 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3946% | 5,034 |
| Cost of funding earning assets | 0.3562% | 3,476 |
| Net interest margin | 3.0384% | 4,926 |
| Noninterest income to average assets | 0.3999% | 3,921 |
| Noninterest expense to average assets | 1.9832% | 5,239 |
| Loan and lease loss provision to assets | 0.0808% | 2,590 |
| Net operating income to assets | 0.9183% | 2,815 |
| Return on assets (ROA) | 0.9930% | 2,607 |
| Pretax return on assets | 1.2924% | 2,456 |
| Return on Equity (ROE) | 10.7733% | 1,757 |
| Retained earnings to average equity (ytd only) | 8.4860% | 987 |
| Net charge-offs to loans | 0.7481% | 245 |
| Credit loss provision to net charge-offs | 32.5779% | 3,207 |
| Earnings coverage of net charge-offs (x) | 5.1445% | 3,169 |
| Efficiency ratio | 60.8452% | 4,420 |
| Assets per employee ($millions) | 5.0860% | 2,271 |
| Cash dividends to net income (ytd only)* | 21.2315% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 4,100 |
| Loan loss allowance to noncurrent loans | 59.7426% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 2,704 |
| Noncurrent loans to loans | 1.7637% | 1,179 |
| Net loans and leases to total assets | 32.4362% | 5,666 |
| Net loans and leases to deposits | 36.1385% | 5,723 |
| Net loans and leases to core deposits | 37.6984% | 5,728 |
| Total domestic deposits to total assets | 89.7551% | 575 |
| Equity capital to assets | 9.7703% | 4,395 |
| Core capital (leverage) ratio | 9.1751% | 4,627 |
| Tier 1 risk-based capital ratio | 20.2333% | 1,402 |
| Total risk-based capital ratio | 21.0285% | 1,451 |
| Memoranda: | ||
| Average total assets | $189,720,750 | 3,074 |
| Average earning assets | $178,552,000 | 3,038 |
| Average equity | $17,487,250 | 3,511 |
| Average total loans | $62,912,250 | 4,227 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3501% | 5,183 |
| Cost of funding earning assets | 0.3512% | 3,553 |
| Net interest margin | 2.9989% | 5,084 |
| Noninterest income to average assets | 0.3806% | 4,020 |
| Noninterest expense to average assets | 1.9587% | 5,355 |
| Loan and lease loss provision to assets | 0.0999% | 2,170 |
| Net operating income to assets | 0.9004% | 2,864 |
| Return on assets (ROA) | 0.9652% | 2,692 |
| Pretax return on assets | 1.2417% | 2,631 |
| Return on Equity (ROE) | 10.6858% | 1,769 |
| Retained earnings to average equity (ytd only) | 8.3577% | 1,055 |
| Net charge-offs to loans | 1.0771% | 162 |
| Credit loss provision to net charge-offs | 27.8592% | 2,876 |
| Earnings coverage of net charge-offs (x) | 3.5103% | 3,099 |
| Efficiency ratio | 60.8824% | 4,528 |
| Assets per employee ($millions) | 5.2405% | 2,048 |
| Cash dividends to net income (ytd only)* | 21.7865% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 4,284 |
| Loan loss allowance to noncurrent loans | 94.5508% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 3,513 |
| Noncurrent loans to loans | 1.0998% | 2,090 |
| Net loans and leases to total assets | 31.5088% | 5,752 |
| Net loans and leases to deposits | 34.9796% | 5,807 |
| Net loans and leases to core deposits | 36.4746% | 5,808 |
| Total domestic deposits to total assets | 90.0778% | 459 |
| Equity capital to assets | 9.4447% | 4,824 |
| Core capital (leverage) ratio | 8.9582% | 4,877 |
| Tier 1 risk-based capital ratio | 19.7561% | 1,509 |
| Total risk-based capital ratio | 20.5413% | 1,588 |
| Memoranda: | ||
| Average total assets | $190,225,000 | 3,086 |
| Average earning assets | $179,932,670 | 3,046 |
| Average equity | $17,181,670 | 3,564 |
| Average total loans | $63,320,000 | 4,250 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 5,152 |
| Cost of funding earning assets | 0.3580% | 3,523 |
| Net interest margin | 3.0316% | 5,041 |
| Noninterest income to average assets | 0.3843% | 3,953 |
| Noninterest expense to average assets | 2.0022% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9637% | 2,444 |
| Return on assets (ROA) | 1.0765% | 2,100 |
| Pretax return on assets | 1.4056% | 1,891 |
| Return on Equity (ROE) | 12.2051% | 1,250 |
| Retained earnings to average equity (ytd only) | 9.7978% | 897 |
| Net charge-offs to loans | -0.0811% | 5,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3932% | 4,545 |
| Assets per employee ($millions) | 5.3021% | 2,028 |
| Cash dividends to net income (ytd only)* | 19.7239% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,387 |
| Loan loss allowance to noncurrent loans | 152.4535% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4715% | 3,715 |
| Noncurrent loans to loans | 0.9234% | 2,540 |
| Net loans and leases to total assets | 33.0592% | 5,749 |
| Net loans and leases to deposits | 36.4408% | 5,816 |
| Net loans and leases to core deposits | 38.0100% | 5,822 |
| Total domestic deposits to total assets | 90.7202% | 355 |
| Equity capital to assets | 8.9828% | 5,183 |
| Core capital (leverage) ratio | 8.8549% | 5,022 |
| Tier 1 risk-based capital ratio | 19.0706% | 1,720 |
| Total risk-based capital ratio | 20.1696% | 1,717 |
| Memoranda: | ||
| Average total assets | $188,388,500 | 3,107 |
| Average earning assets | $178,784,000 | 3,062 |
| Average equity | $16,616,000 | 3,643 |
| Average total loans | $64,111,500 | 4,259 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 5,009 |
| Cost of funding earning assets | 0.3585% | 3,608 |
| Net interest margin | 3.1089% | 4,880 |
| Noninterest income to average assets | 0.3160% | 4,633 |
| Noninterest expense to average assets | 2.0854% | 5,280 |
| Loan and lease loss provision to assets | 0.0139% | 4,127 |
| Net operating income to assets | 0.8397% | 3,157 |
| Return on assets (ROA) | 0.9158% | 2,868 |
| Pretax return on assets | 1.2578% | 2,442 |
| Return on Equity (ROE) | 10.5025% | 1,804 |
| Retained earnings to average equity (ytd only) | 7.6416% | 1,047 |
| Net charge-offs to loans | -0.0969% | 5,764 |
| Credit loss provision to net charge-offs | -40.3226% | 5,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1104% | 4,235 |
| Assets per employee ($millions) | 5.1653% | 2,163 |
| Cash dividends to net income (ytd only)* | 27.2397% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 2,505 |
| Loan loss allowance to noncurrent loans | 230.6494% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 3,709 |
| Noncurrent loans to loans | 0.5995% | 3,375 |
| Net loans and leases to total assets | 34.0588% | 5,774 |
| Net loans and leases to deposits | 37.3378% | 5,853 |
| Net loans and leases to core deposits | 38.9915% | 5,853 |
| Total domestic deposits to total assets | 91.2180% | 235 |
| Equity capital to assets | 8.6551% | 5,420 |
| Core capital (leverage) ratio | 8.7617% | 5,154 |
| Tier 1 risk-based capital ratio | 18.6183% | 1,799 |
| Total risk-based capital ratio | 19.7027% | 1,787 |
| Memoranda: | ||
| Average total assets | $180,394,400 | 3,168 |
| Average earning assets | $170,416,600 | 3,123 |
| Average equity | $15,729,600 | 3,725 |
| Average total loans | $63,987,800 | 4,264 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 5,001 |
| Cost of funding earning assets | 0.3576% | 3,671 |
| Net interest margin | 3.1331% | 4,870 |
| Noninterest income to average assets | 0.3076% | 4,736 |
| Noninterest expense to average assets | 2.0647% | 5,357 |
| Loan and lease loss provision to assets | 0.0186% | 3,902 |
| Net operating income to assets | 0.8864% | 3,014 |
| Return on assets (ROA) | 0.9914% | 2,597 |
| Pretax return on assets | 1.3206% | 2,318 |
| Return on Equity (ROE) | 11.3478% | 1,587 |
| Retained earnings to average equity (ytd only) | 8.7900% | 980 |
| Net charge-offs to loans | -0.1335% | 5,888 |
| Credit loss provision to net charge-offs | -39.0625% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2588% | 4,373 |
| Assets per employee ($millions) | 4.9707% | 2,335 |
| Cash dividends to net income (ytd only)* | 22.5395% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 2,674 |
| Loan loss allowance to noncurrent loans | 168.5606% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 3,555 |
| Noncurrent loans to loans | 0.8223% | 2,914 |
| Net loans and leases to total assets | 34.4298% | 5,843 |
| Net loans and leases to deposits | 37.9101% | 5,932 |
| Net loans and leases to core deposits | 39.5980% | 5,929 |
| Total domestic deposits to total assets | 90.8197% | 297 |
| Equity capital to assets | 8.9106% | 5,388 |
| Core capital (leverage) ratio | 8.6190% | 5,444 |
| Tier 1 risk-based capital ratio | 18.2810% | 1,965 |
| Total risk-based capital ratio | 19.3595% | 1,964 |
| Memoranda: | ||
| Average total assets | $179,005,750 | 3,205 |
| Average earning assets | $168,900,250 | 3,165 |
| Average equity | $15,638,500 | 3,773 |
| Average total loans | $63,929,750 | 4,306 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4194% | 5,186 |
| Cost of funding earning assets | 0.3548% | 3,755 |
| Net interest margin | 3.0646% | 5,058 |
| Noninterest income to average assets | 0.5548% | 3,010 |
| Noninterest expense to average assets | 2.1097% | 5,316 |
| Loan and lease loss provision to assets | 0.0282% | 3,562 |
| Net operating income to assets | 0.9866% | 2,462 |
| Return on assets (ROA) | 1.1456% | 1,865 |
| Pretax return on assets | 1.5211% | 1,589 |
| Return on Equity (ROE) | 13.2045% | 1,075 |
| Retained earnings to average equity (ytd only) | 10.6052% | 563 |
| Net charge-offs to loans | -0.0376% | 5,424 |
| Credit loss provision to net charge-offs | -208.3333% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2038% | 4,798 |
| Assets per employee ($millions) | 4.9700% | 2,312 |
| Cash dividends to net income (ytd only)* | 19.6850% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 3,289 |
| Loan loss allowance to noncurrent loans | 114.1689% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 2,989 |
| Noncurrent loans to loans | 1.1311% | 2,388 |
| Net loans and leases to total assets | 35.8009% | 5,828 |
| Net loans and leases to deposits | 39.2374% | 5,926 |
| Net loans and leases to core deposits | 40.9462% | 5,932 |
| Total domestic deposits to total assets | 91.2419% | 243 |
| Equity capital to assets | 8.5446% | 5,648 |
| Core capital (leverage) ratio | 8.9053% | 5,091 |
| Tier 1 risk-based capital ratio | 18.4381% | 1,934 |
| Total risk-based capital ratio | 19.4800% | 1,964 |
| Memoranda: | ||
| Average total assets | $177,369,000 | 3,255 |
| Average earning assets | $167,395,670 | 3,209 |
| Average equity | $15,388,670 | 3,833 |
| Average total loans | $63,835,670 | 4,340 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4490% | 5,093 |
| Cost of funding earning assets | 0.3574% | 3,782 |
| Net interest margin | 3.0917% | 4,981 |
| Noninterest income to average assets | 0.3669% | 4,278 |
| Noninterest expense to average assets | 2.1043% | 5,373 |
| Loan and lease loss provision to assets | 0.0566% | 2,801 |
| Net operating income to assets | 0.8681% | 2,915 |
| Return on assets (ROA) | 1.1960% | 1,659 |
| Pretax return on assets | 1.5516% | 1,386 |
| Return on Equity (ROE) | 13.6796% | 943 |
| Retained earnings to average equity (ytd only) | 11.0888% | 704 |
| Net charge-offs to loans | -0.0632% | 5,644 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0248% | 4,477 |
| Assets per employee ($millions) | 4.9331% | 2,441 |
| Cash dividends to net income (ytd only)* | 18.9394% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 3,226 |
| Loan loss allowance to noncurrent loans | 345.4545% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5901% | 3,710 |
| Noncurrent loans to loans | 0.3860% | 4,436 |
| Net loans and leases to total assets | 34.8293% | 5,888 |
| Net loans and leases to deposits | 38.3850% | 5,972 |
| Net loans and leases to core deposits | 39.9868% | 5,974 |
| Total domestic deposits to total assets | 90.7366% | 457 |
| Equity capital to assets | 8.9137% | 5,379 |
| Core capital (leverage) ratio | 8.6807% | 5,343 |
| Tier 1 risk-based capital ratio | 18.7616% | 1,924 |
| Total risk-based capital ratio | 19.8460% | 1,927 |
| Memoranda: | ||
| Average total assets | $176,593,500 | 3,284 |
| Average earning assets | $166,771,500 | 3,223 |
| Average equity | $15,439,000 | 3,846 |
| Average total loans | $63,307,000 | 4,387 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 4,937 |
| Cost of funding earning assets | 0.3762% | 3,956 |
| Net interest margin | 3.2726% | 4,674 |
| Noninterest income to average assets | 0.2226% | 5,531 |
| Noninterest expense to average assets | 2.3685% | 4,926 |
| Loan and lease loss provision to assets | 0.0107% | 4,411 |
| Net operating income to assets | 0.6683% | 4,048 |
| Return on assets (ROA) | 0.6811% | 4,100 |
| Pretax return on assets | 0.9192% | 3,829 |
| Return on Equity (ROE) | 8.1618% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.0158% | 1,919 |
| Net charge-offs to loans | -0.1453% | 6,205 |
| Credit loss provision to net charge-offs | -20.4545% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1848% | 3,174 |
| Assets per employee ($millions) | 5.0170% | 2,300 |
| Cash dividends to net income (ytd only)* | 26.2927% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 3,709 |
| Loan loss allowance to noncurrent loans | 304.5627% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 3,765 |
| Noncurrent loans to loans | 0.4114% | 4,407 |
| Net loans and leases to total assets | 35.9481% | 5,957 |
| Net loans and leases to deposits | 39.3874% | 6,052 |
| Net loans and leases to core deposits | 41.0417% | 6,072 |
| Total domestic deposits to total assets | 91.2680% | 279 |
| Equity capital to assets | 8.5697% | 5,670 |
| Core capital (leverage) ratio | 8.5303% | 5,525 |
| Tier 1 risk-based capital ratio | 18.8787% | 1,884 |
| Total risk-based capital ratio | 19.9569% | 1,898 |
| Memoranda: | ||
| Average total assets | $167,530,000 | 3,370 |
| Average earning assets | $156,573,200 | 3,331 |
| Average equity | $13,979,800 | 4,031 |
| Average total loans | $60,558,200 | 4,471 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5893% | 5,167 |
| Cost of funding earning assets | 0.3802% | 4,013 |
| Net interest margin | 3.2091% | 4,935 |
| Noninterest income to average assets | 0.3061% | 4,991 |
| Noninterest expense to average assets | 2.3280% | 5,035 |
| Loan and lease loss provision to assets | 0.0951% | 2,464 |
| Net operating income to assets | 0.6315% | 4,297 |
| Return on assets (ROA) | 0.6380% | 4,367 |
| Pretax return on assets | 0.8764% | 4,087 |
| Return on Equity (ROE) | 7.7006% | 3,363 |
| Retained earnings to average equity (ytd only) | 6.7283% | 1,967 |
| Net charge-offs to loans | 0.0670% | 3,246 |
| Credit loss provision to net charge-offs | 393.3333% | 712 |
| Earnings coverage of net charge-offs (x) | 39.8323% | 1,136 |
| Efficiency ratio | 70.7466% | 3,379 |
| Assets per employee ($millions) | 4.8975% | 2,381 |
| Cash dividends to net income (ytd only)* | 12.6263% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 3,748 |
| Loan loss allowance to noncurrent loans | 42.1648% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 1.6860% | 1,796 |
| Noncurrent loans to loans | 3.0390% | 874 |
| Net loans and leases to total assets | 35.1918% | 6,060 |
| Net loans and leases to deposits | 38.5722% | 6,165 |
| Net loans and leases to core deposits | 39.9123% | 6,183 |
| Total domestic deposits to total assets | 91.2363% | 296 |
| Equity capital to assets | 8.4965% | 5,800 |
| Core capital (leverage) ratio | 8.7591% | 5,380 |
| Tier 1 risk-based capital ratio | 19.2509% | 1,840 |
| Total risk-based capital ratio | 20.3379% | 1,849 |
| Memoranda: | ||
| Average total assets | $165,513,750 | 3,429 |
| Average earning assets | $153,934,750 | 3,406 |
| Average equity | $13,712,750 | 4,092 |
| Average total loans | $59,716,750 | 4,535 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5983% | 5,155 |
| Cost of funding earning assets | 0.3881% | 4,016 |
| Net interest margin | 3.2102% | 4,907 |
| Noninterest income to average assets | 0.2519% | 5,395 |
| Noninterest expense to average assets | 2.3504% | 5,019 |
| Loan and lease loss provision to assets | 0.1443% | 1,716 |
| Net operating income to assets | 0.5633% | 4,528 |
| Return on assets (ROA) | 0.5735% | 4,594 |
| Pretax return on assets | 0.7545% | 4,438 |
| Return on Equity (ROE) | 6.9849% | 3,629 |
| Retained earnings to average equity (ytd only) | 5.4956% | 2,637 |
| Net charge-offs to loans | -0.0101% | 5,325 |
| Credit loss provision to net charge-offs | -3,933.3333% | 5,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6379% | 3,219 |
| Assets per employee ($millions) | 4.6992% | 2,610 |
| Cash dividends to net income (ytd only)* | 21.3220% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 3,560 |
| Loan loss allowance to noncurrent loans | 54.8387% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 2,121 |
| Noncurrent loans to loans | 2.4718% | 1,261 |
| Net loans and leases to total assets | 36.1052% | 6,048 |
| Net loans and leases to deposits | 39.6352% | 6,170 |
| Net loans and leases to core deposits | 40.9273% | 6,194 |
| Total domestic deposits to total assets | 91.0939% | 383 |
| Equity capital to assets | 8.6957% | 5,617 |
| Core capital (leverage) ratio | 8.6714% | 5,448 |
| Tier 1 risk-based capital ratio | 19.4617% | 1,806 |
| Total risk-based capital ratio | 20.6295% | 1,796 |
| Memoranda: | ||
| Average total assets | $163,547,670 | 3,484 |
| Average earning assets | $152,016,000 | 3,446 |
| Average equity | $13,429,000 | 4,149 |
| Average total loans | $59,253,670 | 4,575 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5831% | 5,220 |
| Cost of funding earning assets | 0.3919% | 4,066 |
| Net interest margin | 3.1912% | 4,949 |
| Noninterest income to average assets | 0.3630% | 4,487 |
| Noninterest expense to average assets | 2.3472% | 5,076 |
| Loan and lease loss provision to assets | 0.1643% | 1,480 |
| Net operating income to assets | 0.5769% | 4,311 |
| Return on assets (ROA) | 0.5960% | 4,293 |
| Pretax return on assets | 0.8339% | 3,961 |
| Return on Equity (ROE) | 7.4812% | 3,214 |
| Retained earnings to average equity (ytd only) | 4.4025% | 3,484 |
| Net charge-offs to loans | -0.0068% | 4,905 |
| Credit loss provision to net charge-offs | -6,700.0000% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7317% | 3,697 |
| Assets per employee ($millions) | 4.9060% | 2,371 |
| Cash dividends to net income (ytd only)* | 41.1523% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 4,240 |
| Loan loss allowance to noncurrent loans | 45.4167% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.6960% | 2,083 |
| Noncurrent loans to loans | 2.8120% | 1,178 |
| Net loans and leases to total assets | 35.3599% | 6,101 |
| Net loans and leases to deposits | 38.5269% | 6,222 |
| Net loans and leases to core deposits | 39.7533% | 6,245 |
| Total domestic deposits to total assets | 91.7796% | 304 |
| Equity capital to assets | 8.0064% | 6,055 |
| Core capital (leverage) ratio | 8.6763% | 5,419 |
| Tier 1 risk-based capital ratio | 19.2377% | 1,898 |
| Total risk-based capital ratio | 20.3254% | 1,906 |
| Memoranda: | ||
| Average total assets | $163,085,500 | 3,512 |
| Average earning assets | $151,042,500 | 3,487 |
| Average equity | $12,992,500 | 4,239 |
| Average total loans | $58,781,000 | 4,628 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 5,173 |
| Cost of funding earning assets | 0.4391% | 4,226 |
| Net interest margin | 3.2474% | 4,844 |
| Noninterest income to average assets | 0.4946% | 3,798 |
| Noninterest expense to average assets | 2.5380% | 4,652 |
| Loan and lease loss provision to assets | 0.1153% | 2,880 |
| Net operating income to assets | 0.6106% | 4,216 |
| Return on assets (ROA) | 0.6106% | 4,335 |
| Pretax return on assets | 0.8514% | 3,954 |
| Return on Equity (ROE) | 6.6769% | 3,733 |
| Retained earnings to average equity (ytd only) | 2.9675% | 4,129 |
| Net charge-offs to loans | 0.3699% | 1,828 |
| Credit loss provision to net charge-offs | 81.7308% | 2,997 |
| Earnings coverage of net charge-offs (x) | 6.8510% | 2,965 |
| Efficiency ratio | 72.4158% | 3,397 |
| Assets per employee ($millions) | 4.8293% | 2,405 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 4,647 |
| Loan loss allowance to noncurrent loans | 43.4919% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 1.7400% | 2,126 |
| Noncurrent loans to loans | 2.7639% | 1,287 |
| Net loans and leases to total assets | 35.8433% | 6,212 |
| Net loans and leases to deposits | 39.0087% | 6,338 |
| Net loans and leases to core deposits | 40.3085% | 6,352 |
| Total domestic deposits to total assets | 91.8853% | 306 |
| Equity capital to assets | 7.9252% | 6,072 |
| Core capital (leverage) ratio | 9.0557% | 4,921 |
| Tier 1 risk-based capital ratio | 19.9497% | 1,664 |
| Total risk-based capital ratio | 20.9931% | 1,687 |
| Memoranda: | ||
| Average total assets | $147,396,800 | 3,748 |
| Average earning assets | $136,633,400 | 3,714 |
| Average equity | $13,479,400 | 4,171 |
| Average total loans | $56,237,800 | 4,743 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 5,201 |
| Cost of funding earning assets | 0.4568% | 4,193 |
| Net interest margin | 3.2282% | 4,908 |
| Noninterest income to average assets | 0.5134% | 3,715 |
| Noninterest expense to average assets | 2.4311% | 4,932 |
| Loan and lease loss provision to assets | 0.1154% | 2,845 |
| Net operating income to assets | 0.6777% | 3,965 |
| Return on assets (ROA) | 0.6777% | 4,114 |
| Pretax return on assets | 0.9621% | 3,642 |
| Return on Equity (ROE) | 7.1477% | 3,562 |
| Retained earnings to average equity (ytd only) | 3.2525% | 4,361 |
| Net charge-offs to loans | -0.0215% | 6,059 |
| Credit loss provision to net charge-offs | -1,388.8889% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2895% | 3,872 |
| Assets per employee ($millions) | 4.6115% | 2,700 |
| Cash dividends to net income (ytd only)* | 54.4960% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,130 |
| Loan loss allowance to noncurrent loans | 31.8309% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 2.0845% | 1,921 |
| Noncurrent loans to loans | 4.9426% | 612 |
| Net loans and leases to total assets | 38.6225% | 6,129 |
| Net loans and leases to deposits | 42.4502% | 6,283 |
| Net loans and leases to core deposits | 43.9989% | 6,303 |
| Total domestic deposits to total assets | 90.9831% | 543 |
| Equity capital to assets | 8.8611% | 5,344 |
| Core capital (leverage) ratio | 9.3565% | 4,597 |
| Tier 1 risk-based capital ratio | 20.1669% | 1,696 |
| Total risk-based capital ratio | 21.4173% | 1,668 |
| Memoranda: | ||
| Average total assets | $144,404,500 | 3,838 |
| Average earning assets | $133,983,000 | 3,791 |
| Average equity | $13,691,750 | 4,181 |
| Average total loans | $55,843,000 | 4,794 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 5,286 |
| Cost of funding earning assets | 0.4769% | 4,132 |
| Net interest margin | 3.1746% | 5,031 |
| Noninterest income to average assets | 0.5260% | 3,663 |
| Noninterest expense to average assets | 2.4876% | 4,780 |
| Loan and lease loss provision to assets | 0.1116% | 2,945 |
| Net operating income to assets | 0.6167% | 4,210 |
| Return on assets (ROA) | 0.6167% | 4,376 |
| Pretax return on assets | 0.8706% | 4,020 |
| Return on Equity (ROE) | 6.3611% | 3,959 |
| Retained earnings to average equity (ytd only) | 2.7632% | 4,556 |
| Net charge-offs to loans | -0.0181% | 5,945 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6928% | 3,518 |
| Assets per employee ($millions) | 4.5130% | 2,803 |
| Cash dividends to net income (ytd only)* | 56.5611% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 3,395 |
| Loan loss allowance to noncurrent loans | 28.6094% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 2.2669% | 1,914 |
| Noncurrent loans to loans | 5.3931% | 570 |
| Net loans and leases to total assets | 36.9344% | 6,239 |
| Net loans and leases to deposits | 40.4159% | 6,389 |
| Net loans and leases to core deposits | 42.0921% | 6,401 |
| Total domestic deposits to total assets | 91.3858% | 412 |
| Equity capital to assets | 8.4873% | 5,776 |
| Core capital (leverage) ratio | 9.5530% | 4,156 |
| Tier 1 risk-based capital ratio | 20.3309% | 1,644 |
| Total risk-based capital ratio | 21.5810% | 1,622 |
| Memoranda: | ||
| Average total assets | $143,350,330 | 3,888 |
| Average earning assets | $132,931,330 | 3,846 |
| Average equity | $13,897,000 | 4,165 |
| Average total loans | $55,155,670 | 4,849 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 5,077 |
| Cost of funding earning assets | 0.4443% | 4,657 |
| Net interest margin | 3.2805% | 4,585 |
| Noninterest income to average assets | 0.4126% | 4,368 |
| Noninterest expense to average assets | 2.3876% | 5,158 |
| Loan and lease loss provision to assets | 0.0996% | 3,017 |
| Net operating income to assets | 0.7257% | 3,562 |
| Return on assets (ROA) | 0.7257% | 3,697 |
| Pretax return on assets | 0.9932% | 3,383 |
| Return on Equity (ROE) | 7.0221% | 3,472 |
| Retained earnings to average equity (ytd only) | 4.2684% | 3,665 |
| Net charge-offs to loans | -0.0657% | 6,252 |
| Credit loss provision to net charge-offs | -388.8889% | 5,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6018% | 4,206 |
| Assets per employee ($millions) | 4.4053% | 3,144 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,819 |
| Loan loss allowance to noncurrent loans | 27.3484% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 2.2418% | 2,082 |
| Noncurrent loans to loans | 5.4924% | 656 |
| Net loans and leases to total assets | 37.0325% | 6,221 |
| Net loans and leases to deposits | 41.3379% | 6,359 |
| Net loans and leases to core deposits | 43.3040% | 6,352 |
| Total domestic deposits to total assets | 89.5849% | 1,307 |
| Equity capital to assets | 9.9770% | 4,174 |
| Core capital (leverage) ratio | 10.1508% | 3,215 |
| Tier 1 risk-based capital ratio | 21.0820% | 1,517 |
| Total risk-based capital ratio | 22.3285% | 1,487 |
| Memoranda: | ||
| Average total assets | $140,561,000 | 3,973 |
| Average earning assets | $131,442,500 | 3,912 |
| Average equity | $14,525,500 | 4,084 |
| Average total loans | $54,799,500 | 4,894 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 4,276 |
| Cost of funding earning assets | 0.4616% | 5,487 |
| Net interest margin | 3.8183% | 3,148 |
| Noninterest income to average assets | 0.4834% | 4,019 |
| Noninterest expense to average assets | 2.8951% | 3,659 |
| Loan and lease loss provision to assets | 0.2386% | 2,744 |
| Net operating income to assets | 0.5651% | 4,406 |
| Return on assets (ROA) | 0.6073% | 4,469 |
| Pretax return on assets | 0.9385% | 3,785 |
| Return on Equity (ROE) | 5.5095% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.0401% | 4,791 |
| Net charge-offs to loans | 0.8300% | 1,397 |
| Credit loss provision to net charge-offs | 67.0968% | 4,250 |
| Earnings coverage of net charge-offs (x) | 3.1269% | 3,868 |
| Efficiency ratio | 72.2466% | 3,371 |
| Assets per employee ($millions) | 3.9926% | 3,964 |
| Cash dividends to net income (ytd only)* | 62.9723% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 4,103 |
| Loan loss allowance to noncurrent loans | 26.4286% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 2.4361% | 2,009 |
| Noncurrent loans to loans | 5.3511% | 709 |
| Net loans and leases to total assets | 39.9014% | 6,174 |
| Net loans and leases to deposits | 44.9502% | 6,308 |
| Net loans and leases to core deposits | 47.2660% | 6,311 |
| Total domestic deposits to total assets | 88.7681% | 1,720 |
| Equity capital to assets | 10.7163% | 3,260 |
| Core capital (leverage) ratio | 10.1428% | 3,219 |
| Tier 1 risk-based capital ratio | 21.1332% | 1,428 |
| Total risk-based capital ratio | 22.3291% | 1,418 |
| Memoranda: | ||
| Average total assets | $130,738,800 | 4,135 |
| Average earning assets | $120,654,400 | 4,096 |
| Average equity | $14,411,400 | 4,084 |
| Average total loans | $56,023,600 | 4,863 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 4,319 |
| Cost of funding earning assets | 0.4674% | 5,661 |
| Net interest margin | 3.8658% | 3,047 |
| Noninterest income to average assets | 0.4788% | 4,070 |
| Noninterest expense to average assets | 2.7946% | 3,999 |
| Loan and lease loss provision to assets | 0.2749% | 2,380 |
| Net operating income to assets | 0.6061% | 4,366 |
| Return on assets (ROA) | 0.6621% | 4,349 |
| Pretax return on assets | 1.0564% | 3,510 |
| Return on Equity (ROE) | 5.9629% | 4,345 |
| Retained earnings to average equity (ytd only) | 2.7172% | 4,920 |
| Net charge-offs to loans | 1.0161% | 1,047 |
| Credit loss provision to net charge-offs | 62.2378% | 4,096 |
| Earnings coverage of net charge-offs (x) | 2.8158% | 3,911 |
| Efficiency ratio | 69.1994% | 3,843 |
| Assets per employee ($millions) | 4.0262% | 3,817 |
| Cash dividends to net income (ytd only)* | 54.4331% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 4,424 |
| Loan loss allowance to noncurrent loans | 31.0931% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 2.1157% | 2,528 |
| Noncurrent loans to loans | 4.4674% | 1,059 |
| Net loans and leases to total assets | 41.0346% | 6,197 |
| Net loans and leases to deposits | 46.5153% | 6,352 |
| Net loans and leases to core deposits | 48.8531% | 6,358 |
| Total domestic deposits to total assets | 88.2175% | 1,902 |
| Equity capital to assets | 11.0608% | 3,196 |
| Core capital (leverage) ratio | 9.9421% | 3,629 |
| Tier 1 risk-based capital ratio | 21.0545% | 1,515 |
| Total risk-based capital ratio | 22.2323% | 1,496 |
| Memoranda: | ||
| Average total assets | $129,486,750 | 4,198 |
| Average earning assets | $119,231,250 | 4,171 |
| Average equity | $14,377,500 | 4,125 |
| Average total loans | $56,294,000 | 4,909 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 3,854 |
| Cost of funding earning assets | 0.4682% | 5,840 |
| Net interest margin | 4.0118% | 2,452 |
| Noninterest income to average assets | 0.4628% | 4,185 |
| Noninterest expense to average assets | 2.8716% | 3,739 |
| Loan and lease loss provision to assets | 0.3350% | 1,968 |
| Net operating income to assets | 0.5855% | 4,427 |
| Return on assets (ROA) | 0.5905% | 4,668 |
| Pretax return on assets | 0.9489% | 3,889 |
| Return on Equity (ROE) | 5.3113% | 4,662 |
| Retained earnings to average equity (ytd only) | 2.5085% | 4,934 |
| Net charge-offs to loans | 1.3597% | 763 |
| Credit loss provision to net charge-offs | 55.8442% | 3,907 |
| Earnings coverage of net charge-offs (x) | 2.1273% | 3,923 |
| Efficiency ratio | 69.2337% | 3,890 |
| Assets per employee ($millions) | 4.0388% | 3,792 |
| Cash dividends to net income (ytd only)* | 52.7704% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,637 |
| Loan loss allowance to noncurrent loans | 36.0874% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 2,974 |
| Noncurrent loans to loans | 3.7579% | 1,501 |
| Net loans and leases to total assets | 41.4778% | 6,233 |
| Net loans and leases to deposits | 46.8634% | 6,379 |
| Net loans and leases to core deposits | 49.3334% | 6,380 |
| Total domestic deposits to total assets | 88.5077% | 1,808 |
| Equity capital to assets | 10.8718% | 3,262 |
| Core capital (leverage) ratio | 10.5748% | 2,731 |
| Tier 1 risk-based capital ratio | 20.8509% | 1,510 |
| Total risk-based capital ratio | 22.0148% | 1,498 |
| Memoranda: | ||
| Average total assets | $128,360,330 | 4,242 |
| Average earning assets | $117,901,330 | 4,220 |
| Average equity | $14,271,330 | 4,143 |
| Average total loans | $56,629,000 | 4,924 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 3,958 |
| Cost of funding earning assets | 0.5098% | 5,752 |
| Net interest margin | 3.9808% | 2,588 |
| Noninterest income to average assets | 0.5846% | 3,328 |
| Noninterest expense to average assets | 2.9357% | 3,487 |
| Loan and lease loss provision to assets | 0.0953% | 4,161 |
| Net operating income to assets | 0.7943% | 3,400 |
| Return on assets (ROA) | 0.7943% | 3,644 |
| Pretax return on assets | 1.1755% | 3,007 |
| Return on Equity (ROE) | 7.0611% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.2367% | 4,052 |
| Net charge-offs to loans | 0.8924% | 1,152 |
| Credit loss provision to net charge-offs | 23.6220% | 3,727 |
| Earnings coverage of net charge-offs (x) | 3.1496% | 2,942 |
| Efficiency ratio | 69.7885% | 3,854 |
| Assets per employee ($millions) | 3.7567% | 4,523 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 4,264 |
| Loan loss allowance to noncurrent loans | 33.8205% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 2.4787% | 2,383 |
| Noncurrent loans to loans | 4.3724% | 1,357 |
| Net loans and leases to total assets | 43.4498% | 6,058 |
| Net loans and leases to deposits | 49.1947% | 6,204 |
| Net loans and leases to core deposits | 51.9076% | 6,212 |
| Total domestic deposits to total assets | 88.3222% | 2,118 |
| Equity capital to assets | 11.1189% | 2,785 |
| Core capital (leverage) ratio | 10.9718% | 2,279 |
| Tier 1 risk-based capital ratio | 20.2082% | 1,654 |
| Total risk-based capital ratio | 21.4473% | 1,632 |
| Memoranda: | ||
| Average total assets | $125,900,000 | 4,328 |
| Average earning assets | $114,550,000 | 4,323 |
| Average equity | $14,162,000 | 4,169 |
| Average total loans | $56,922,500 | 4,948 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 4,439 |
| Cost of funding earning assets | 0.5727% | 6,222 |
| Net interest margin | 4.0817% | 2,517 |
| Noninterest income to average assets | 0.6085% | 3,118 |
| Noninterest expense to average assets | 3.1822% | 2,931 |
| Loan and lease loss provision to assets | 0.1232% | 5,066 |
| Net operating income to assets | 0.7893% | 3,085 |
| Return on assets (ROA) | 0.9427% | 2,563 |
| Pretax return on assets | 1.2942% | 2,154 |
| Return on Equity (ROE) | 8.3353% | 2,747 |
| Retained earnings to average equity (ytd only) | 5.4310% | 2,349 |
| Net charge-offs to loans | 0.1853% | 4,659 |
| Credit loss provision to net charge-offs | 141.5094% | 2,066 |
| Earnings coverage of net charge-offs (x) | 13.8679% | 1,509 |
| Efficiency ratio | 72.4977% | 3,479 |
| Assets per employee ($millions) | 3.6491% | 4,667 |
| Cash dividends to net income (ytd only)* | 34.8432% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 3,521 |
| Loan loss allowance to noncurrent loans | 46.3378% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.1528% | 2,782 |
| Noncurrent loans to loans | 3.4896% | 1,834 |
| Net loans and leases to total assets | 45.6061% | 6,045 |
| Net loans and leases to deposits | 51.7619% | 6,231 |
| Net loans and leases to core deposits | 54.0150% | 6,306 |
| Total domestic deposits to total assets | 88.1076% | 2,089 |
| Equity capital to assets | 11.3822% | 2,610 |
| Core capital (leverage) ratio | 10.9980% | 2,271 |
| Tier 1 risk-based capital ratio | 19.9534% | 1,654 |
| Total risk-based capital ratio | 21.2053% | 1,625 |
| Memoranda: | ||
| Average total assets | $121,772,800 | 4,352 |
| Average earning assets | $112,795,200 | 4,311 |
| Average equity | $13,772,800 | 4,171 |
| Average total loans | $57,192,000 | 4,978 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 4,728 |
| Cost of funding earning assets | 0.5752% | 6,403 |
| Net interest margin | 4.0584% | 2,653 |
| Noninterest income to average assets | 0.6183% | 3,062 |
| Noninterest expense to average assets | 3.0044% | 3,540 |
| Loan and lease loss provision to assets | 0.1650% | 4,416 |
| Net operating income to assets | 0.8606% | 2,907 |
| Return on assets (ROA) | 0.9461% | 2,713 |
| Pretax return on assets | 1.3432% | 2,139 |
| Return on Equity (ROE) | 8.3785% | 2,878 |
| Retained earnings to average equity (ytd only) | 5.9429% | 2,592 |
| Net charge-offs to loans | 0.2171% | 4,079 |
| Credit loss provision to net charge-offs | 161.2903% | 1,906 |
| Earnings coverage of net charge-offs (x) | 13.5481% | 1,605 |
| Efficiency ratio | 68.4290% | 4,230 |
| Assets per employee ($millions) | 3.5565% | 4,863 |
| Cash dividends to net income (ytd only)* | 29.0702% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 3,259 |
| Loan loss allowance to noncurrent loans | 44.7131% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.2831% | 2,804 |
| Noncurrent loans to loans | 3.8069% | 1,771 |
| Net loans and leases to total assets | 43.7471% | 6,356 |
| Net loans and leases to deposits | 49.7497% | 6,516 |
| Net loans and leases to core deposits | 52.1609% | 6,554 |
| Total domestic deposits to total assets | 87.9345% | 2,069 |
| Equity capital to assets | 11.3883% | 2,788 |
| Core capital (leverage) ratio | 10.8984% | 2,476 |
| Tier 1 risk-based capital ratio | 20.5352% | 1,554 |
| Total risk-based capital ratio | 21.7876% | 1,524 |
| Memoranda: | ||
| Average total assets | $121,198,250 | 4,386 |
| Average earning assets | $112,651,750 | 4,343 |
| Average equity | $13,685,500 | 4,193 |
| Average total loans | $57,111,500 | 5,028 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 4,822 |
| Cost of funding earning assets | 0.5876% | 6,511 |
| Net interest margin | 4.0472% | 2,625 |
| Noninterest income to average assets | 0.6378% | 2,906 |
| Noninterest expense to average assets | 3.0107% | 3,600 |
| Loan and lease loss provision to assets | 0.2498% | 3,408 |
| Net operating income to assets | 0.8146% | 3,009 |
| Return on assets (ROA) | 0.8626% | 2,903 |
| Pretax return on assets | 1.2056% | 2,462 |
| Return on Equity (ROE) | 7.6616% | 3,115 |
| Retained earnings to average equity (ytd only) | 6.1825% | 2,310 |
| Net charge-offs to loans | 0.4611% | 2,736 |
| Credit loss provision to net charge-offs | 112.7820% | 2,720 |
| Earnings coverage of net charge-offs (x) | 6.2707% | 2,430 |
| Efficiency ratio | 68.4330% | 4,433 |
| Assets per employee ($millions) | 3.4578% | 5,059 |
| Cash dividends to net income (ytd only)* | 19.3050% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,818 |
| Loan loss allowance to noncurrent loans | 41.3083% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 2.1699% | 3,027 |
| Noncurrent loans to loans | 3.8046% | 1,834 |
| Net loans and leases to total assets | 46.7303% | 6,190 |
| Net loans and leases to deposits | 53.2103% | 6,370 |
| Net loans and leases to core deposits | 56.0346% | 6,413 |
| Total domestic deposits to total assets | 87.8220% | 2,267 |
| Equity capital to assets | 11.5153% | 2,490 |
| Core capital (leverage) ratio | 10.8350% | 2,387 |
| Tier 1 risk-based capital ratio | 20.5849% | 1,499 |
| Total risk-based capital ratio | 21.8367% | 1,474 |
| Memoranda: | ||
| Average total assets | $120,104,670 | 4,450 |
| Average earning assets | $111,631,670 | 4,397 |
| Average equity | $13,522,000 | 4,218 |
| Average total loans | $57,682,330 | 5,057 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 4,777 |
| Cost of funding earning assets | 0.6064% | 6,590 |
| Net interest margin | 4.0353% | 2,543 |
| Noninterest income to average assets | 0.5817% | 3,295 |
| Noninterest expense to average assets | 2.9587% | 3,824 |
| Loan and lease loss provision to assets | 0.5015% | 1,739 |
| Net operating income to assets | 0.5484% | 4,276 |
| Return on assets (ROA) | 0.4179% | 4,958 |
| Pretax return on assets | 0.6553% | 4,472 |
| Return on Equity (ROE) | 3.7552% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.7552% | 3,918 |
| Net charge-offs to loans | 0.1453% | 3,618 |
| Credit loss provision to net charge-offs | 714.2857% | 535 |
| Earnings coverage of net charge-offs (x) | 19.3810% | 1,142 |
| Efficiency ratio | 68.4985% | 4,563 |
| Assets per employee ($millions) | 3.5309% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 3,062 |
| Loan loss allowance to noncurrent loans | 43.2651% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.3665% | 2,880 |
| Noncurrent loans to loans | 4.1180% | 1,747 |
| Net loans and leases to total assets | 46.6081% | 6,227 |
| Net loans and leases to deposits | 52.8297% | 6,408 |
| Net loans and leases to core deposits | 55.7466% | 6,432 |
| Total domestic deposits to total assets | 88.2234% | 2,247 |
| Equity capital to assets | 11.1677% | 2,526 |
| Core capital (leverage) ratio | 10.7292% | 2,415 |
| Tier 1 risk-based capital ratio | 21.2259% | 1,357 |
| Total risk-based capital ratio | 22.4816% | 1,329 |
| Memoranda: | ||
| Average total assets | $119,646,000 | 4,490 |
| Average earning assets | $110,822,000 | 4,445 |
| Average equity | $13,315,000 | 4,263 |
| Average total loans | $57,795,000 | 5,097 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 4,345 |
| Cost of funding earning assets | 0.7999% | 6,571 |
| Net interest margin | 4.2453% | 2,015 |
| Noninterest income to average assets | 0.5516% | 3,809 |
| Noninterest expense to average assets | 3.1899% | 3,132 |
| Loan and lease loss provision to assets | 0.0803% | 6,351 |
| Net operating income to assets | 0.8697% | 2,511 |
| Return on assets (ROA) | 1.1891% | 1,519 |
| Pretax return on assets | 1.6267% | 1,076 |
| Return on Equity (ROE) | 11.2576% | 1,512 |
| Retained earnings to average equity (ytd only) | 6.6968% | 1,452 |
| Net charge-offs to loans | 0.0985% | 5,871 |
| Credit loss provision to net charge-offs | 172.4138% | 1,958 |
| Earnings coverage of net charge-offs (x) | 27.2586% | 799 |
| Efficiency ratio | 71.5340% | 3,883 |
| Assets per employee ($millions) | 3.5071% | 4,921 |
| Cash dividends to net income (ytd only)* | 40.5132% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 3,944 |
| Loan loss allowance to noncurrent loans | 88.3350% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 4,662 |
| Noncurrent loans to loans | 1.7110% | 3,936 |
| Net loans and leases to total assets | 48.4192% | 6,348 |
| Net loans and leases to deposits | 54.7786% | 6,543 |
| Net loans and leases to core deposits | 57.5296% | 6,595 |
| Total domestic deposits to total assets | 88.3906% | 2,019 |
| Equity capital to assets | 11.0894% | 2,610 |
| Core capital (leverage) ratio | 10.8573% | 2,262 |
| Tier 1 risk-based capital ratio | 20.6460% | 1,371 |
| Total risk-based capital ratio | 21.8990% | 1,357 |
| Memoranda: | ||
| Average total assets | $124,547,600 | 4,388 |
| Average earning assets | $114,644,600 | 4,353 |
| Average equity | $13,155,600 | 4,337 |
| Average total loans | $58,870,200 | 5,116 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 4,512 |
| Cost of funding earning assets | 0.8439% | 6,607 |
| Net interest margin | 4.2206% | 2,145 |
| Noninterest income to average assets | 0.5391% | 3,872 |
| Noninterest expense to average assets | 2.9362% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1404% | 1,764 |
| Return on assets (ROA) | 1.3484% | 1,305 |
| Pretax return on assets | 1.7615% | 990 |
| Return on Equity (ROE) | 12.9182% | 1,276 |
| Retained earnings to average equity (ytd only) | 8.3517% | 1,292 |
| Net charge-offs to loans | 0.1448% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 22.0004% | 1,112 |
| Efficiency ratio | 66.3158% | 4,795 |
| Assets per employee ($millions) | 3.5069% | 4,965 |
| Cash dividends to net income (ytd only)* | 35.3499% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,893 |
| Loan loss allowance to noncurrent loans | 122.2571% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 5,035 |
| Noncurrent loans to loans | 1.0730% | 5,088 |
| Net loans and leases to total assets | 49.2125% | 6,408 |
| Net loans and leases to deposits | 56.0498% | 6,614 |
| Net loans and leases to core deposits | 58.8847% | 6,674 |
| Total domestic deposits to total assets | 87.8013% | 2,091 |
| Equity capital to assets | 11.4238% | 2,589 |
| Core capital (leverage) ratio | 10.2554% | 2,983 |
| Tier 1 risk-based capital ratio | 20.0779% | 1,532 |
| Total risk-based capital ratio | 21.3179% | 1,502 |
| Memoranda: | ||
| Average total assets | $125,874,500 | 4,419 |
| Average earning assets | $115,968,000 | 4,388 |
| Average equity | $13,138,750 | 4,407 |
| Average total loans | $58,932,500 | 5,190 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 4,844 |
| Cost of funding earning assets | 0.8640% | 6,717 |
| Net interest margin | 4.1569% | 2,301 |
| Noninterest income to average assets | 0.5090% | 4,039 |
| Noninterest expense to average assets | 2.9433% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0333% | 2,069 |
| Return on assets (ROA) | 1.1071% | 1,901 |
| Pretax return on assets | 1.4802% | 1,612 |
| Return on Equity (ROE) | 10.9262% | 1,779 |
| Retained earnings to average equity (ytd only) | 6.3030% | 2,166 |
| Net charge-offs to loans | 0.2655% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 11.3462% | 1,772 |
| Efficiency ratio | 68.0505% | 4,570 |
| Assets per employee ($millions) | 3.7757% | 4,281 |
| Cash dividends to net income (ytd only)* | 42.3131% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 4,776 |
| Loan loss allowance to noncurrent loans | 107.7356% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.0189% | 5,102 |
| Noncurrent loans to loans | 1.2323% | 4,908 |
| Net loans and leases to total assets | 44.3466% | 6,892 |
| Net loans and leases to deposits | 49.7958% | 7,078 |
| Net loans and leases to core deposits | 52.6262% | 7,102 |
| Total domestic deposits to total assets | 89.0571% | 1,403 |
| Equity capital to assets | 10.2411% | 3,719 |
| Core capital (leverage) ratio | 9.5930% | 3,682 |
| Tier 1 risk-based capital ratio | 19.1931% | 1,679 |
| Total risk-based capital ratio | 20.3966% | 1,650 |
| Memoranda: | ||
| Average total assets | $128,088,000 | 4,402 |
| Average earning assets | $117,587,330 | 4,379 |
| Average equity | $12,978,000 | 4,447 |
| Average total loans | $58,757,330 | 5,238 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 4,786 |
| Cost of funding earning assets | 0.8689% | 6,875 |
| Net interest margin | 4.1809% | 2,118 |
| Noninterest income to average assets | 0.4752% | 4,244 |
| Noninterest expense to average assets | 3.0513% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9941% | 2,210 |
| Return on assets (ROA) | 1.1818% | 1,670 |
| Pretax return on assets | 1.4975% | 1,527 |
| Return on Equity (ROE) | 11.7268% | 1,573 |
| Retained earnings to average equity (ytd only) | 7.0733% | 2,104 |
| Net charge-offs to loans | -0.1417% | 7,599 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7759% | 4,161 |
| Assets per employee ($millions) | 3.7501% | 4,433 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 4,046 |
| Loan loss allowance to noncurrent loans | 38.8764% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 2.0878% | 3,401 |
| Noncurrent loans to loans | 3.7921% | 2,085 |
| Net loans and leases to total assets | 45.3390% | 6,887 |
| Net loans and leases to deposits | 50.9717% | 7,084 |
| Net loans and leases to core deposits | 53.7094% | 7,124 |
| Total domestic deposits to total assets | 88.9494% | 1,543 |
| Equity capital to assets | 10.1816% | 3,630 |
| Core capital (leverage) ratio | 9.5875% | 3,658 |
| Tier 1 risk-based capital ratio | 18.5602% | 1,821 |
| Total risk-based capital ratio | 19.8109% | 1,784 |
| Memoranda: | ||
| Average total assets | $127,944,500 | 4,457 |
| Average earning assets | $117,390,500 | 4,438 |
| Average equity | $12,893,500 | 4,503 |
| Average total loans | $59,288,000 | 5,280 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5106% | 4,092 |
| Cost of funding earning assets | 0.7823% | 7,581 |
| Net interest margin | 4.7283% | 799 |
| Noninterest income to average assets | 0.4627% | 4,696 |
| Noninterest expense to average assets | 3.1036% | 3,726 |
| Loan and lease loss provision to assets | 0.0315% | 7,214 |
| Net operating income to assets | 1.1798% | 1,300 |
| Return on assets (ROA) | 1.2582% | 1,172 |
| Pretax return on assets | 1.7990% | 637 |
| Return on Equity (ROE) | 12.9602% | 967 |
| Retained earnings to average equity (ytd only) | 9.1030% | 481 |
| Net charge-offs to loans | 0.0069% | 7,139 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 48 |
| Efficiency ratio | 64.3616% | 5,703 |
| Assets per employee ($millions) | 3.6681% | 4,597 |
| Cash dividends to net income (ytd only)* | 29.7619% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 4,187 |
| Loan loss allowance to noncurrent loans | 162.6204% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 6,170 |
| Noncurrent loans to loans | 0.8664% | 5,563 |
| Net loans and leases to total assets | 46.0007% | 6,974 |
| Net loans and leases to deposits | 51.5107% | 7,170 |
| Net loans and leases to core deposits | 55.8046% | 7,411 |
| Total domestic deposits to total assets | 89.3033% | 1,328 |
| Equity capital to assets | 9.9739% | 3,795 |
| Core capital (leverage) ratio | 9.3597% | 3,886 |
| Tier 1 risk-based capital ratio | 17.5762% | 2,005 |
| Total risk-based capital ratio | 18.8267% | 1,967 |
| Memoranda: | ||
| Average total assets | $126,851,200 | 4,405 |
| Average earning assets | $116,955,400 | 4,377 |
| Average equity | $12,314,600 | 4,677 |
| Average total loans | $57,794,600 | 5,349 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5444% | 4,186 |
| Cost of funding earning assets | 0.7549% | 7,754 |
| Net interest margin | 4.7895% | 698 |
| Noninterest income to average assets | 0.4491% | 4,901 |
| Noninterest expense to average assets | 2.4491% | 6,254 |
| Loan and lease loss provision to assets | 0.0422% | 6,947 |
| Net operating income to assets | 1.6151% | 647 |
| Return on assets (ROA) | 1.6151% | 696 |
| Pretax return on assets | 2.3858% | 239 |
| Return on Equity (ROE) | 16.7538% | 572 |
| Retained earnings to average equity (ytd only) | 13.4730% | 226 |
| Net charge-offs to loans | 0.0792% | 5,884 |
| Credit loss provision to net charge-offs | 117.6471% | 4,320 |
| Earnings coverage of net charge-offs (x) | 67.7386% | 494 |
| Efficiency ratio | 50.2162% | 7,539 |
| Assets per employee ($millions) | 3.5703% | 4,764 |
| Cash dividends to net income (ytd only)* | 19.5822% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,290 |
| Loan loss allowance to noncurrent loans | 212.5326% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 6,551 |
| Noncurrent loans to loans | 0.6277% | 6,043 |
| Net loans and leases to total assets | 48.1782% | 6,935 |
| Net loans and leases to deposits | 54.3750% | 7,187 |
| Net loans and leases to core deposits | 58.5454% | 7,447 |
| Total domestic deposits to total assets | 88.6036% | 1,388 |
| Equity capital to assets | 10.5585% | 3,446 |
| Core capital (leverage) ratio | 9.7278% | 3,607 |
| Tier 1 risk-based capital ratio | 17.6443% | 2,086 |
| Total risk-based capital ratio | 18.8494% | 2,053 |
| Memoranda: | ||
| Average total assets | $126,467,750 | 4,436 |
| Average earning assets | $116,919,500 | 4,412 |
| Average equity | $12,192,000 | 4,746 |
| Average total loans | $57,267,750 | 5,411 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 4,419 |
| Cost of funding earning assets | 0.7538% | 7,868 |
| Net interest margin | 4.7804% | 676 |
| Noninterest income to average assets | 0.4032% | 5,256 |
| Noninterest expense to average assets | 2.4289% | 6,374 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6917% | 576 |
| Return on assets (ROA) | 1.6917% | 631 |
| Pretax return on assets | 2.3596% | 272 |
| Return on Equity (ROE) | 18.1144% | 486 |
| Retained earnings to average equity (ytd only) | 14.7411% | 217 |
| Net charge-offs to loans | -0.2071% | 8,030 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7237% | 7,616 |
| Assets per employee ($millions) | 3.5710% | 4,643 |
| Cash dividends to net income (ytd only)* | 18.6220% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,090 |
| Loan loss allowance to noncurrent loans | 143.3775% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 6,013 |
| Noncurrent loans to loans | 1.0597% | 5,095 |
| Net loans and leases to total assets | 46.2307% | 7,178 |
| Net loans and leases to deposits | 51.9068% | 7,391 |
| Net loans and leases to core deposits | 54.8620% | 7,638 |
| Total domestic deposits to total assets | 89.0648% | 1,237 |
| Equity capital to assets | 10.2673% | 3,645 |
| Core capital (leverage) ratio | 9.2193% | 4,279 |
| Tier 1 risk-based capital ratio | 17.9080% | 2,046 |
| Total risk-based capital ratio | 19.1597% | 1,984 |
| Memoranda: | ||
| Average total assets | $126,970,000 | 4,453 |
| Average earning assets | $116,476,670 | 4,453 |
| Average equity | $11,858,000 | 4,856 |
| Average total loans | $56,017,670 | 5,502 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4213% | 5,312 |
| Cost of funding earning assets | 0.7667% | 7,941 |
| Net interest margin | 4.6546% | 854 |
| Noninterest income to average assets | 0.3669% | 5,496 |
| Noninterest expense to average assets | 2.4108% | 6,155 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5600% | 841 |
| Return on assets (ROA) | 1.5600% | 920 |
| Pretax return on assets | 2.1673% | 472 |
| Return on Equity (ROE) | 17.5177% | 635 |
| Retained earnings to average equity (ytd only) | 14.0557% | 513 |
| Net charge-offs to loans | -0.2377% | 8,032 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6599% | 7,349 |
| Assets per employee ($millions) | 3.9120% | 3,846 |
| Cash dividends to net income (ytd only)* | 19.7628% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 3,051 |
| Loan loss allowance to noncurrent loans | 238.9205% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 6,511 |
| Noncurrent loans to loans | 0.6234% | 5,841 |
| Net loans and leases to total assets | 43.0901% | 7,406 |
| Net loans and leases to deposits | 47.8438% | 7,581 |
| Net loans and leases to core deposits | 50.1329% | 7,787 |
| Total domestic deposits to total assets | 90.0641% | 772 |
| Equity capital to assets | 9.2582% | 4,996 |
| Core capital (leverage) ratio | 8.6997% | 5,147 |
| Tier 1 risk-based capital ratio | 16.8000% | 2,405 |
| Total risk-based capital ratio | 18.0510% | 2,334 |
| Memoranda: | ||
| Average total assets | $129,747,500 | 4,411 |
| Average earning assets | $117,388,000 | 4,444 |
| Average equity | $11,554,000 | 4,967 |
| Average total loans | $55,528,000 | 5,562 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2114% | 4,454 |
| Cost of funding earning assets | 1.0887% | 8,015 |
| Net interest margin | 5.1228% | 384 |
| Noninterest income to average assets | 0.5636% | 4,121 |
| Noninterest expense to average assets | 3.0663% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.2606% | 211 |
| Return on assets (ROA) | 1.1439% | 1,892 |
| Pretax return on assets | 1.1817% | 2,716 |
| Return on Equity (ROE) | 11.5383% | 1,743 |
| Retained earnings to average equity (ytd only) | 6.4205% | 1,356 |
| Net charge-offs to loans | -0.2070% | 8,169 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7914% | 6,894 |
| Assets per employee ($millions) | 4.0749% | 3,355 |
| Cash dividends to net income (ytd only)* | 44.3548% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 2,788 |
| Loan loss allowance to noncurrent loans | 244.8485% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 5,875 |
| Noncurrent loans to loans | 0.6045% | 5,559 |
| Net loans and leases to total assets | 41.2422% | 7,617 |
| Net loans and leases to deposits | 45.3548% | 7,809 |
| Net loans and leases to core deposits | 47.3786% | 7,939 |
| Total domestic deposits to total assets | 90.9324% | 351 |
| Equity capital to assets | 8.5553% | 6,003 |
| Core capital (leverage) ratio | 9.1760% | 4,478 |
| Tier 1 risk-based capital ratio | 16.2300% | 2,572 |
| Total risk-based capital ratio | 17.4571% | 2,520 |
| Memoranda: | ||
| Average total assets | $108,404,400 | 4,822 |
| Average earning assets | $102,327,600 | 4,734 |
| Average equity | $10,746,800 | 5,198 |
| Average total loans | $53,614,800 | 5,541 |