Home > Central State Bank > Performance and Condition Ratios
Central 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 | 4.6108% | 2,871 |
| Cost of funding earning assets | 2.6839% | 257 |
| Net interest margin | 1.9269% | 4,432 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 1.2638% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6426% | 3,332 |
| Return on assets (ROA) | 0.5140% | 3,632 |
| Pretax return on assets | 0.5382% | 3,746 |
| Return on Equity (ROE) | 5.5600% | 3,614 |
| Retained earnings to average equity (ytd only) | 2.4765% | 3,451 |
| Net charge-offs to loans | -0.0049% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.2822% | 2,447 |
| Assets per employee ($millions) | 14.9798% | 212 |
| Cash dividends to net income (ytd only)* | 55.4684% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,372 |
| Loan loss allowance to noncurrent loans | 3,162.5000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,458 |
| Noncurrent loans to loans | 0.0375% | 3,463 |
| Net loans and leases to total assets | 80.9700% | 537 |
| Net loans and leases to deposits | 100.6784% | 502 |
| Net loans and leases to core deposits | 153.4392% | 188 |
| Total domestic deposits to total assets | 80.4200% | 3,396 |
| Equity capital to assets | 9.4161% | 2,411 |
| Core capital (leverage) ratio | 11.0716% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $471,363,600 | 1,792 |
| Average earning assets | $462,913,200 | 1,725 |
| Average equity | $43,570,200 | 1,773 |
| Average total loans | $370,173,200 | 1,548 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 2,910 |
| Cost of funding earning assets | 2.4971% | 277 |
| Net interest margin | 2.0053% | 4,437 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 1.2267% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7298% | 3,231 |
| Return on assets (ROA) | 0.6492% | 3,423 |
| Pretax return on assets | 0.6995% | 3,551 |
| Return on Equity (ROE) | 7.0600% | 3,409 |
| Retained earnings to average equity (ytd only) | 3.5616% | 3,368 |
| Net charge-offs to loans | -0.0052% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.9388% | 2,850 |
| Assets per employee ($millions) | 13.8874% | 251 |
| Cash dividends to net income (ytd only)* | 49.5368% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 1,938 |
| Loan loss allowance to noncurrent loans | 3,159.2105% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,479 |
| Noncurrent loans to loans | 0.0406% | 3,475 |
| Net loans and leases to total assets | 78.2100% | 856 |
| Net loans and leases to deposits | 94.9423% | 825 |
| Net loans and leases to core deposits | 141.1389% | 209 |
| Total domestic deposits to total assets | 82.3800% | 3,146 |
| Equity capital to assets | 9.1115% | 2,357 |
| Core capital (leverage) ratio | 11.3412% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $465,621,250 | 1,809 |
| Average earning assets | $457,642,500 | 1,741 |
| Average equity | $42,826,000 | 1,779 |
| Average total loans | $361,449,750 | 1,568 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 2,871 |
| Cost of funding earning assets | 2.2722% | 297 |
| Net interest margin | 2.1362% | 4,448 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 1.2343% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8612% | 2,885 |
| Return on assets (ROA) | 0.8243% | 3,014 |
| Pretax return on assets | 0.8748% | 3,228 |
| Return on Equity (ROE) | 8.9300% | 3,002 |
| Retained earnings to average equity (ytd only) | 5.3460% | 2,842 |
| Net charge-offs to loans | -0.0050% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.4528% | 3,260 |
| Assets per employee ($millions) | 14.1263% | 236 |
| Cash dividends to net income (ytd only)* | 40.1571% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 1,800 |
| Loan loss allowance to noncurrent loans | 3,156.5789% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 3,471 |
| Noncurrent loans to loans | 0.0421% | 3,424 |
| Net loans and leases to total assets | 74.1400% | 1,272 |
| Net loans and leases to deposits | 90.1352% | 1,172 |
| Net loans and leases to core deposits | 134.8092% | 267 |
| Total domestic deposits to total assets | 82.2500% | 3,178 |
| Equity capital to assets | 9.2822% | 2,327 |
| Core capital (leverage) ratio | 11.4852% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $463,438,333 | 1,819 |
| Average earning assets | $455,859,000 | 1,745 |
| Average equity | $42,760,667 | 1,792 |
| Average total loans | $357,239,000 | 1,569 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 2,761 |
| Cost of funding earning assets | 2.0482% | 269 |
| Net interest margin | 2.2680% | 4,466 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 1.2492% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9493% | 2,693 |
| Return on assets (ROA) | 0.8791% | 2,880 |
| Pretax return on assets | 0.9310% | 3,167 |
| Return on Equity (ROE) | 9.5600% | 2,910 |
| Retained earnings to average equity (ytd only) | 7.5412% | 2,351 |
| Net charge-offs to loans | -0.0034% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.3996% | 3,469 |
| Assets per employee ($millions) | 13.7274% | 261 |
| Cash dividends to net income (ytd only)* | 21.1000% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 1,897 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.1900% | 954 |
| Net loans and leases to deposits | 92.0398% | 916 |
| Net loans and leases to core deposits | 133.8023% | 239 |
| Total domestic deposits to total assets | 82.7800% | 3,338 |
| Equity capital to assets | 9.6147% | 2,054 |
| Core capital (leverage) ratio | 11.7334% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $455,010,000 | 1,867 |
| Average earning assets | $447,621,000 | 1,782 |
| Average equity | $41,850,000 | 1,844 |
| Average total loans | $355,419,000 | 1,594 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 1,744 |
| Cost of funding earning assets | 1.0835% | 119 |
| Net interest margin | 2.9070% | 3,659 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.4701% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5501% | 780 |
| Return on assets (ROA) | 1.5347% | 779 |
| Pretax return on assets | 1.6033% | 1,163 |
| Return on Equity (ROE) | 15.2500% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.7699% | 1,546 |
| Net charge-offs to loans | -0.0153% | 3,958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.5924% | 4,265 |
| Assets per employee ($millions) | 13.0379% | 302 |
| Cash dividends to net income (ytd only)* | 42.4861% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,238 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.2400% | 774 |
| Net loans and leases to deposits | 93.4539% | 815 |
| Net loans and leases to core deposits | 135.6884% | 176 |
| Total domestic deposits to total assets | 83.7200% | 3,269 |
| Equity capital to assets | 8.7584% | 2,526 |
| Core capital (leverage) ratio | 11.1712% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $411,471,800 | 1,982 |
| Average earning assets | $404,886,600 | 1,897 |
| Average equity | $41,414,400 | 1,874 |
| Average total loans | $313,970,600 | 1,661 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8688% | 1,553 |
| Cost of funding earning assets | 0.8519% | 127 |
| Net interest margin | 3.0168% | 3,176 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.4400% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7476% | 472 |
| Return on assets (ROA) | 1.7634% | 446 |
| Pretax return on assets | 1.8447% | 663 |
| Return on Equity (ROE) | 16.9200% | 813 |
| Retained earnings to average equity (ytd only) | 10.5018% | 1,198 |
| Net charge-offs to loans | -0.0070% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.0692% | 4,466 |
| Assets per employee ($millions) | 12.2275% | 359 |
| Cash dividends to net income (ytd only)* | 37.9239% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 3,145 |
| Loan loss allowance to noncurrent loans | 3,706.2500% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,725 |
| Noncurrent loans to loans | 0.0289% | 3,691 |
| Net loans and leases to total assets | 76.8900% | 814 |
| Net loans and leases to deposits | 91.4880% | 793 |
| Net loans and leases to core deposits | 128.3609% | 163 |
| Total domestic deposits to total assets | 84.0400% | 3,497 |
| Equity capital to assets | 8.9515% | 2,245 |
| Core capital (leverage) ratio | 11.6355% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $403,517,500 | 2,030 |
| Average earning assets | $397,051,750 | 1,938 |
| Average equity | $42,061,750 | 1,883 |
| Average total loans | $304,856,000 | 1,690 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 1,231 |
| Cost of funding earning assets | 0.7513% | 123 |
| Net interest margin | 3.0849% | 2,582 |
| Noninterest income to average assets | 0.4305% | 2,565 |
| Noninterest expense to average assets | 1.4285% | 4,504 |
| Loan and lease loss provision to assets | -0.0010% | 4,360 |
| Net operating income to assets | 1.9678% | 243 |
| Return on assets (ROA) | 1.9936% | 232 |
| Pretax return on assets | 2.0664% | 327 |
| Return on Equity (ROE) | 18.1979% | 452 |
| Retained earnings to average equity (ytd only) | 11.7287% | 656 |
| Net charge-offs to loans | -0.0068% | 3,445 |
| Credit loss provision to net charge-offs | 20.0000% | 1,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2022% | 4,590 |
| Assets per employee ($millions) | 12.7808% | 307 |
| Cash dividends to net income (ytd only)* | 35.5494% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 74.3157% | 884 |
| Net loans and leases to deposits | 89.0714% | 768 |
| Net loans and leases to core deposits | 118.0408% | 217 |
| Total domestic deposits to total assets | 83.4339% | 3,798 |
| Equity capital to assets | 9.6316% | 1,916 |
| Core capital (leverage) ratio | 11.6268% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $395,368,667 | 2,070 |
| Average earning assets | $389,191,667 | 1,984 |
| Average equity | $43,312,667 | 1,883 |
| Average total loans | $295,604,667 | 1,726 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6772% | 1,326 |
| Cost of funding earning assets | 0.7127% | 142 |
| Net interest margin | 2.9645% | 2,622 |
| Noninterest income to average assets | 0.0453% | 4,662 |
| Noninterest expense to average assets | 1.4237% | 4,513 |
| Loan and lease loss provision to assets | -0.0021% | 4,396 |
| Net operating income to assets | 1.4813% | 662 |
| Return on assets (ROA) | 1.6039% | 501 |
| Pretax return on assets | 1.6718% | 724 |
| Return on Equity (ROE) | 13.7654% | 880 |
| Retained earnings to average equity (ytd only) | 13.5003% | 421 |
| Net charge-offs to loans | -0.0069% | 3,457 |
| Credit loss provision to net charge-offs | 40.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0042% | 4,402 |
| Assets per employee ($millions) | 12.5108% | 348 |
| Cash dividends to net income (ytd only)* | 1.9255% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,979 |
| Loan loss allowance to noncurrent loans | 70.7984% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 342 |
| Noncurrent loans to loans | 1.6624% | 475 |
| Net loans and leases to total assets | 74.3909% | 632 |
| Net loans and leases to deposits | 89.8087% | 520 |
| Net loans and leases to core deposits | 119.2400% | 152 |
| Total domestic deposits to total assets | 82.8326% | 3,963 |
| Equity capital to assets | 10.8126% | 1,432 |
| Core capital (leverage) ratio | 11.9453% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,560,000 | 2,102 |
| Average earning assets | $382,791,500 | 2,016 |
| Average equity | $45,273,000 | 1,881 |
| Average total loans | $289,660,500 | 1,739 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 1,637 |
| Cost of funding earning assets | 0.8800% | 132 |
| Net interest margin | 3.0113% | 3,167 |
| Noninterest income to average assets | 0.1815% | 4,247 |
| Noninterest expense to average assets | 1.5704% | 4,460 |
| Loan and lease loss provision to assets | 0.1599% | 740 |
| Net operating income to assets | 1.3192% | 1,553 |
| Return on assets (ROA) | 1.4498% | 1,210 |
| Pretax return on assets | 1.5540% | 1,560 |
| Return on Equity (ROE) | 11.3364% | 2,044 |
| Retained earnings to average equity (ytd only) | 7.8141% | 1,612 |
| Net charge-offs to loans | 0.0894% | 919 |
| Credit loss provision to net charge-offs | 252.1552% | 1,167 |
| Earnings coverage of net charge-offs (x) | 24.8103% | 1,737 |
| Efficiency ratio | 49.9522% | 4,287 |
| Assets per employee ($millions) | 11.7742% | 423 |
| Cash dividends to net income (ytd only)* | 31.0709% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,477 |
| Loan loss allowance to noncurrent loans | 70.7385% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.3297% | 339 |
| Noncurrent loans to loans | 1.8025% | 466 |
| Net loans and leases to total assets | 72.8312% | 775 |
| Net loans and leases to deposits | 90.0280% | 567 |
| Net loans and leases to core deposits | 120.8185% | 157 |
| Total domestic deposits to total assets | 80.8984% | 4,117 |
| Equity capital to assets | 12.5428% | 1,044 |
| Core capital (leverage) ratio | 11.9242% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,839,400 | 2,122 |
| Average earning assets | $359,881,000 | 2,044 |
| Average equity | $46,787,400 | 1,868 |
| Average total loans | $259,425,200 | 1,882 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 1,646 |
| Cost of funding earning assets | 0.9224% | 125 |
| Net interest margin | 3.0247% | 3,248 |
| Noninterest income to average assets | 0.2130% | 4,126 |
| Noninterest expense to average assets | 1.5015% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6155% | 1,000 |
| Return on assets (ROA) | 1.7963% | 702 |
| Pretax return on assets | 1.8753% | 991 |
| Return on Equity (ROE) | 13.9759% | 1,398 |
| Retained earnings to average equity (ytd only) | 10.5590% | 1,160 |
| Net charge-offs to loans | 0.1313% | 613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 18.3028% | 1,790 |
| Efficiency ratio | 47.0920% | 4,436 |
| Assets per employee ($millions) | 11.5036% | 429 |
| Cash dividends to net income (ytd only)* | 24.4481% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 3,505 |
| Loan loss allowance to noncurrent loans | 58.6826% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 398 |
| Noncurrent loans to loans | 1.8498% | 510 |
| Net loans and leases to total assets | 72.7779% | 797 |
| Net loans and leases to deposits | 91.7351% | 509 |
| Net loans and leases to core deposits | 119.2956% | 188 |
| Total domestic deposits to total assets | 79.3348% | 4,314 |
| Equity capital to assets | 13.2010% | 928 |
| Core capital (leverage) ratio | 12.1504% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,105,750 | 2,155 |
| Average earning assets | $357,185,000 | 2,067 |
| Average equity | $46,669,750 | 1,890 |
| Average total loans | $254,793,250 | 1,930 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 1,817 |
| Cost of funding earning assets | 0.9868% | 114 |
| Net interest margin | 2.9130% | 3,547 |
| Noninterest income to average assets | 0.2778% | 3,750 |
| Noninterest expense to average assets | 1.4476% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6229% | 1,002 |
| Return on assets (ROA) | 1.8991% | 617 |
| Pretax return on assets | 1.9815% | 867 |
| Return on Equity (ROE) | 14.9127% | 1,182 |
| Retained earnings to average equity (ytd only) | 11.7928% | 963 |
| Net charge-offs to loans | 0.2061% | 417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 11.9105% | 1,738 |
| Efficiency ratio | 46.0807% | 4,511 |
| Assets per employee ($millions) | 11.8884% | 365 |
| Cash dividends to net income (ytd only)* | 20.9207% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,389 |
| Loan loss allowance to noncurrent loans | 58.5629% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 462 |
| Noncurrent loans to loans | 1.8870% | 530 |
| Net loans and leases to total assets | 71.2443% | 1,051 |
| Net loans and leases to deposits | 88.7415% | 737 |
| Net loans and leases to core deposits | 115.5744% | 270 |
| Total domestic deposits to total assets | 80.2830% | 4,196 |
| Equity capital to assets | 12.8654% | 992 |
| Core capital (leverage) ratio | 12.1395% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,435,667 | 2,154 |
| Average earning assets | $355,300,667 | 2,070 |
| Average equity | $46,028,000 | 1,899 |
| Average total loans | $249,442,000 | 1,964 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 1,952 |
| Cost of funding earning assets | 1.0884% | 90 |
| Net interest margin | 2.7635% | 3,840 |
| Noninterest income to average assets | 0.0883% | 4,734 |
| Noninterest expense to average assets | 1.4228% | 4,720 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3048% | 1,809 |
| Return on assets (ROA) | 1.5580% | 1,265 |
| Pretax return on assets | 1.6508% | 1,601 |
| Return on Equity (ROE) | 12.2995% | 1,905 |
| Retained earnings to average equity (ytd only) | 11.8407% | 1,192 |
| Net charge-offs to loans | -0.0033% | 3,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7373% | 4,121 |
| Assets per employee ($millions) | 11.5331% | 384 |
| Cash dividends to net income (ytd only)* | 3.7303% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 2,184 |
| Loan loss allowance to noncurrent loans | 60.5233% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.4751% | 437 |
| Noncurrent loans to loans | 2.2372% | 446 |
| Net loans and leases to total assets | 65.0426% | 1,916 |
| Net loans and leases to deposits | 81.7899% | 1,351 |
| Net loans and leases to core deposits | 107.5487% | 469 |
| Total domestic deposits to total assets | 79.5241% | 4,263 |
| Equity capital to assets | 12.6239% | 1,026 |
| Core capital (leverage) ratio | 11.6796% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3561% | 2,547 |
| Memoranda: | ||
| Average total assets | $357,884,000 | 2,147 |
| Average earning assets | $351,724,500 | 2,069 |
| Average equity | $45,335,000 | 1,906 |
| Average total loans | $241,414,500 | 2,021 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 1,471 |
| Cost of funding earning assets | 1.5526% | 62 |
| Net interest margin | 2.8856% | 4,133 |
| Noninterest income to average assets | 0.1025% | 4,738 |
| Noninterest expense to average assets | 1.3604% | 4,855 |
| Loan and lease loss provision to assets | 0.1767% | 2,184 |
| Net operating income to assets | 1.3310% | 1,173 |
| Return on assets (ROA) | 1.4435% | 1,009 |
| Pretax return on assets | 1.5165% | 1,283 |
| Return on Equity (ROE) | 11.7459% | 1,394 |
| Retained earnings to average equity (ytd only) | 8.1876% | 1,000 |
| Net charge-offs to loans | 0.0110% | 2,928 |
| Credit loss provision to net charge-offs | 2,307.6923% | 396 |
| Earnings coverage of net charge-offs (x) | 205.6923% | 460 |
| Efficiency ratio | 46.3483% | 4,702 |
| Assets per employee ($millions) | 12.7943% | 276 |
| Cash dividends to net income (ytd only)* | 30.2938% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,452 |
| Loan loss allowance to noncurrent loans | 60.5044% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.4722% | 504 |
| Noncurrent loans to loans | 2.1344% | 511 |
| Net loans and leases to total assets | 68.0829% | 1,817 |
| Net loans and leases to deposits | 85.6138% | 1,283 |
| Net loans and leases to core deposits | 115.8476% | 370 |
| Total domestic deposits to total assets | 79.5233% | 4,132 |
| Equity capital to assets | 12.7110% | 1,226 |
| Core capital (leverage) ratio | 11.4999% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,602,000 | 2,097 |
| Average earning assets | $333,381,000 | 2,010 |
| Average equity | $41,733,600 | 1,958 |
| Average total loans | $236,447,400 | 1,991 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,522 |
| Cost of funding earning assets | 1.6449% | 58 |
| Net interest margin | 2.8724% | 4,229 |
| Noninterest income to average assets | 0.0983% | 4,764 |
| Noninterest expense to average assets | 1.2929% | 4,908 |
| Loan and lease loss provision to assets | 0.2388% | 1,699 |
| Net operating income to assets | 1.3236% | 1,302 |
| Return on assets (ROA) | 1.4772% | 1,033 |
| Pretax return on assets | 1.5453% | 1,341 |
| Return on Equity (ROE) | 12.1322% | 1,334 |
| Retained earnings to average equity (ytd only) | 8.8499% | 1,024 |
| Net charge-offs to loans | 0.0165% | 2,542 |
| Credit loss provision to net charge-offs | 2,068.9655% | 464 |
| Earnings coverage of net charge-offs (x) | 140.6897% | 634 |
| Efficiency ratio | 44.3231% | 4,778 |
| Assets per employee ($millions) | 12.7364% | 281 |
| Cash dividends to net income (ytd only)* | 27.0547% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,258 |
| Loan loss allowance to noncurrent loans | 59.5701% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.5002% | 569 |
| Noncurrent loans to loans | 2.1430% | 554 |
| Net loans and leases to total assets | 69.1098% | 2,092 |
| Net loans and leases to deposits | 86.6638% | 1,624 |
| Net loans and leases to core deposits | 119.2745% | 429 |
| Total domestic deposits to total assets | 79.7447% | 3,919 |
| Equity capital to assets | 12.4394% | 1,452 |
| Core capital (leverage) ratio | 11.3444% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,942,250 | 2,098 |
| Average earning assets | $328,678,500 | 2,015 |
| Average equity | $40,783,000 | 1,982 |
| Average total loans | $233,786,250 | 2,006 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4980% | 1,922 |
| Cost of funding earning assets | 1.7206% | 71 |
| Net interest margin | 2.7774% | 4,480 |
| Noninterest income to average assets | 0.1013% | 4,776 |
| Noninterest expense to average assets | 1.3402% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4249% | 1,061 |
| Return on assets (ROA) | 1.6270% | 790 |
| Pretax return on assets | 1.6966% | 1,007 |
| Return on Equity (ROE) | 13.4679% | 985 |
| Retained earnings to average equity (ytd only) | 10.1540% | 767 |
| Net charge-offs to loans | 0.0368% | 1,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 57.9762% | 995 |
| Efficiency ratio | 47.4196% | 4,660 |
| Assets per employee ($millions) | 12.5608% | 280 |
| Cash dividends to net income (ytd only)* | 24.6062% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,248 |
| Loan loss allowance to noncurrent loans | 48.0935% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5212% | 611 |
| Noncurrent loans to loans | 2.2175% | 572 |
| Net loans and leases to total assets | 67.8660% | 2,378 |
| Net loans and leases to deposits | 85.7522% | 1,796 |
| Net loans and leases to core deposits | 120.0072% | 426 |
| Total domestic deposits to total assets | 79.1420% | 4,018 |
| Equity capital to assets | 12.2092% | 1,532 |
| Core capital (leverage) ratio | 11.8873% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4685% | 2,831 |
| Memoranda: | ||
| Average total assets | $327,717,000 | 2,100 |
| Average earning assets | $321,518,000 | 2,017 |
| Average equity | $39,590,333 | 2,016 |
| Average total loans | $228,500,000 | 2,022 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 2,680 |
| Cost of funding earning assets | 1.8203% | 75 |
| Net interest margin | 2.5627% | 4,780 |
| Noninterest income to average assets | 0.1090% | 4,792 |
| Noninterest expense to average assets | 1.3911% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1727% | 1,608 |
| Return on assets (ROA) | 1.4038% | 1,047 |
| Pretax return on assets | 1.4760% | 1,367 |
| Return on Equity (ROE) | 11.6892% | 1,199 |
| Retained earnings to average equity (ytd only) | 11.3727% | 505 |
| Net charge-offs to loans | 0.1062% | 1,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 16.4915% | 1,527 |
| Efficiency ratio | 53.0179% | 4,464 |
| Assets per employee ($millions) | 11.3668% | 275 |
| Cash dividends to net income (ytd only)* | 2.7076% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 2,874 |
| Loan loss allowance to noncurrent loans | 47.4045% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.6948% | 578 |
| Noncurrent loans to loans | 2.4483% | 499 |
| Net loans and leases to total assets | 68.4187% | 2,484 |
| Net loans and leases to deposits | 87.1659% | 1,844 |
| Net loans and leases to core deposits | 126.2835% | 328 |
| Total domestic deposits to total assets | 78.4925% | 4,134 |
| Equity capital to assets | 11.4622% | 2,471 |
| Core capital (leverage) ratio | 12.4877% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2159% | 2,611 |
| Memoranda: | ||
| Average total assets | $315,724,500 | 2,123 |
| Average earning assets | $309,834,000 | 2,028 |
| Average equity | $37,915,500 | 2,075 |
| Average total loans | $222,120,500 | 2,038 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 2,371 |
| Cost of funding earning assets | 1.9465% | 78 |
| Net interest margin | 2.7389% | 4,809 |
| Noninterest income to average assets | 0.1145% | 4,886 |
| Noninterest expense to average assets | 1.4483% | 5,023 |
| Loan and lease loss provision to assets | 0.2289% | 842 |
| Net operating income to assets | 1.0744% | 2,556 |
| Return on assets (ROA) | 1.3872% | 1,463 |
| Pretax return on assets | 1.4578% | 1,949 |
| Return on Equity (ROE) | 11.3698% | 1,737 |
| Retained earnings to average equity (ytd only) | 6.8803% | 1,436 |
| Net charge-offs to loans | 0.2397% | 852 |
| Credit loss provision to net charge-offs | 134.6154% | 1,901 |
| Earnings coverage of net charge-offs (x) | 7.9827% | 2,818 |
| Efficiency ratio | 51.6200% | 4,631 |
| Assets per employee ($millions) | 11.1849% | 279 |
| Cash dividends to net income (ytd only)* | 39.4861% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,595 |
| Loan loss allowance to noncurrent loans | 47.6763% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.7520% | 514 |
| Noncurrent loans to loans | 2.4504% | 449 |
| Net loans and leases to total assets | 70.6662% | 2,295 |
| Net loans and leases to deposits | 89.2786% | 1,665 |
| Net loans and leases to core deposits | 124.8271% | 370 |
| Total domestic deposits to total assets | 79.1524% | 4,160 |
| Equity capital to assets | 12.5647% | 1,782 |
| Core capital (leverage) ratio | 12.0835% | 1,727 |
| Tier 1 risk-based capital ratio | 12.2702% | 4,205 |
| Total risk-based capital ratio | 13.1176% | 4,310 |
| Memoranda: | ||
| Average total assets | $305,798,600 | 2,130 |
| Average earning assets | $300,481,600 | 2,022 |
| Average equity | $37,309,200 | 2,041 |
| Average total loans | $216,925,800 | 2,046 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 2,533 |
| Cost of funding earning assets | 1.9333% | 82 |
| Net interest margin | 2.7246% | 4,920 |
| Noninterest income to average assets | 0.1018% | 4,982 |
| Noninterest expense to average assets | 1.4151% | 5,105 |
| Loan and lease loss provision to assets | 0.1755% | 1,050 |
| Net operating income to assets | 1.1371% | 2,427 |
| Return on assets (ROA) | 1.5612% | 1,080 |
| Pretax return on assets | 1.6309% | 1,523 |
| Return on Equity (ROE) | 12.8949% | 1,320 |
| Retained earnings to average equity (ytd only) | 8.3841% | 1,252 |
| Net charge-offs to loans | 0.3340% | 519 |
| Credit loss provision to net charge-offs | 74.2115% | 2,574 |
| Earnings coverage of net charge-offs (x) | 5.7718% | 2,889 |
| Efficiency ratio | 50.9074% | 4,681 |
| Assets per employee ($millions) | 10.9828% | 272 |
| Cash dividends to net income (ytd only)* | 34.9818% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 3,308 |
| Loan loss allowance to noncurrent loans | 52.7440% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 813 |
| Noncurrent loans to loans | 1.9848% | 681 |
| Net loans and leases to total assets | 70.6030% | 2,389 |
| Net loans and leases to deposits | 89.8150% | 1,721 |
| Net loans and leases to core deposits | 128.8620% | 309 |
| Total domestic deposits to total assets | 78.6094% | 4,246 |
| Equity capital to assets | 12.6552% | 1,811 |
| Core capital (leverage) ratio | 12.1619% | 1,752 |
| Tier 1 risk-based capital ratio | 12.4458% | 4,178 |
| Total risk-based capital ratio | 13.2055% | 4,324 |
| Memoranda: | ||
| Average total assets | $303,953,750 | 2,158 |
| Average earning assets | $298,750,500 | 2,044 |
| Average equity | $36,799,000 | 2,074 |
| Average total loans | $215,175,500 | 2,073 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 2,614 |
| Cost of funding earning assets | 1.8904% | 90 |
| Net interest margin | 2.7298% | 4,978 |
| Noninterest income to average assets | 0.0799% | 5,098 |
| Noninterest expense to average assets | 1.4064% | 5,156 |
| Loan and lease loss provision to assets | 0.1982% | 867 |
| Net operating income to assets | 1.1143% | 2,467 |
| Return on assets (ROA) | 1.6673% | 807 |
| Pretax return on assets | 1.7347% | 1,202 |
| Return on Equity (ROE) | 13.9861% | 985 |
| Retained earnings to average equity (ytd only) | 10.0352% | 744 |
| Net charge-offs to loans | 0.5286% | 295 |
| Credit loss provision to net charge-offs | 53.0973% | 2,448 |
| Earnings coverage of net charge-offs (x) | 3.6354% | 2,818 |
| Efficiency ratio | 50.8965% | 4,735 |
| Assets per employee ($millions) | 11.0932% | 263 |
| Cash dividends to net income (ytd only)* | 28.2488% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,558 |
| Loan loss allowance to noncurrent loans | 49.8163% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 852 |
| Noncurrent loans to loans | 2.0300% | 694 |
| Net loans and leases to total assets | 68.3861% | 2,767 |
| Net loans and leases to deposits | 86.0080% | 2,253 |
| Net loans and leases to core deposits | 125.8884% | 395 |
| Total domestic deposits to total assets | 79.5113% | 4,130 |
| Equity capital to assets | 12.1744% | 2,066 |
| Core capital (leverage) ratio | 12.0759% | 1,776 |
| Tier 1 risk-based capital ratio | 13.0693% | 3,803 |
| Total risk-based capital ratio | 13.8332% | 3,974 |
| Memoranda: | ||
| Average total assets | $302,765,670 | 2,171 |
| Average earning assets | $297,604,000 | 2,053 |
| Average equity | $36,093,000 | 2,097 |
| Average total loans | $213,762,670 | 2,087 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 2,832 |
| Cost of funding earning assets | 1.8610% | 84 |
| Net interest margin | 2.6493% | 5,102 |
| Noninterest income to average assets | 0.0683% | 5,169 |
| Noninterest expense to average assets | 1.4201% | 5,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2051% | 2,036 |
| Return on assets (ROA) | 1.6008% | 924 |
| Pretax return on assets | 1.6651% | 1,296 |
| Return on Equity (ROE) | 13.5786% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.2380% | 435 |
| Net charge-offs to loans | -0.0056% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1297% | 4,608 |
| Assets per employee ($millions) | 11.8705% | 211 |
| Cash dividends to net income (ytd only)* | 2.5084% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 2,801 |
| Loan loss allowance to noncurrent loans | 90.2331% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 1,614 |
| Noncurrent loans to loans | 1.2832% | 1,276 |
| Net loans and leases to total assets | 67.4616% | 2,832 |
| Net loans and leases to deposits | 83.1678% | 2,484 |
| Net loans and leases to core deposits | 122.1111% | 480 |
| Total domestic deposits to total assets | 81.1150% | 3,949 |
| Equity capital to assets | 11.8714% | 2,105 |
| Core capital (leverage) ratio | 12.1296% | 1,699 |
| Tier 1 risk-based capital ratio | 13.1102% | 3,821 |
| Total risk-based capital ratio | 13.9867% | 3,917 |
| Memoranda: | ||
| Average total assets | $298,843,500 | 2,203 |
| Average earning assets | $293,816,000 | 2,085 |
| Average equity | $35,232,000 | 2,130 |
| Average total loans | $213,352,000 | 2,110 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 2,642 |
| Cost of funding earning assets | 1.4643% | 103 |
| Net interest margin | 2.9734% | 4,827 |
| Noninterest income to average assets | 0.0748% | 5,219 |
| Noninterest expense to average assets | 1.4243% | 5,252 |
| Loan and lease loss provision to assets | -0.0367% | 5,162 |
| Net operating income to assets | 1.5204% | 1,067 |
| Return on assets (ROA) | 1.4925% | 1,126 |
| Pretax return on assets | 1.5783% | 1,530 |
| Return on Equity (ROE) | 12.4229% | 1,570 |
| Retained earnings to average equity (ytd only) | 9.0082% | 861 |
| Net charge-offs to loans | -0.0173% | 4,654 |
| Credit loss provision to net charge-offs | 294.1176% | 1,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5520% | 5,061 |
| Assets per employee ($millions) | 10.7057% | 283 |
| Cash dividends to net income (ytd only)* | 27.4871% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 2,936 |
| Loan loss allowance to noncurrent loans | 124.7951% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 2,034 |
| Noncurrent loans to loans | 0.9035% | 1,771 |
| Net loans and leases to total assets | 73.9032% | 1,953 |
| Net loans and leases to deposits | 94.0577% | 1,274 |
| Net loans and leases to core deposits | 147.0024% | 149 |
| Total domestic deposits to total assets | 78.5722% | 4,394 |
| Equity capital to assets | 11.7019% | 2,095 |
| Core capital (leverage) ratio | 12.5614% | 1,423 |
| Tier 1 risk-based capital ratio | 11.9734% | 4,439 |
| Total risk-based capital ratio | 12.7993% | 4,602 |
| Memoranda: | ||
| Average total assets | $272,762,000 | 2,312 |
| Average earning assets | $267,910,600 | 2,210 |
| Average equity | $32,770,200 | 2,166 |
| Average total loans | $196,464,000 | 2,197 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3841% | 2,672 |
| Cost of funding earning assets | 1.3935% | 98 |
| Net interest margin | 2.9906% | 4,861 |
| Noninterest income to average assets | 0.0705% | 5,295 |
| Noninterest expense to average assets | 1.3949% | 5,325 |
| Loan and lease loss provision to assets | -0.0496% | 5,289 |
| Net operating income to assets | 1.5866% | 987 |
| Return on assets (ROA) | 1.5611% | 1,048 |
| Pretax return on assets | 1.6356% | 1,466 |
| Return on Equity (ROE) | 12.9038% | 1,470 |
| Retained earnings to average equity (ytd only) | 10.0982% | 889 |
| Net charge-offs to loans | -0.0014% | 4,046 |
| Credit loss provision to net charge-offs | 5,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3785% | 5,131 |
| Assets per employee ($millions) | 10.4300% | 288 |
| Cash dividends to net income (ytd only)* | 21.7420% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,685 |
| Loan loss allowance to noncurrent loans | 429.2857% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 3,955 |
| Noncurrent loans to loans | 0.2771% | 3,694 |
| Net loans and leases to total assets | 70.9152% | 2,513 |
| Net loans and leases to deposits | 87.9169% | 2,164 |
| Net loans and leases to core deposits | 131.3719% | 307 |
| Total domestic deposits to total assets | 80.6616% | 3,963 |
| Equity capital to assets | 11.7293% | 2,083 |
| Core capital (leverage) ratio | 12.7588% | 1,388 |
| Tier 1 risk-based capital ratio | 13.3632% | 3,700 |
| Total risk-based capital ratio | 14.2857% | 3,794 |
| Memoranda: | ||
| Average total assets | $268,688,750 | 2,352 |
| Average earning assets | $263,886,250 | 2,246 |
| Average equity | $32,506,500 | 2,189 |
| Average total loans | $191,565,750 | 2,245 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,683 |
| Cost of funding earning assets | 1.3242% | 104 |
| Net interest margin | 3.0012% | 4,876 |
| Noninterest income to average assets | 0.1135% | 5,219 |
| Noninterest expense to average assets | 1.4033% | 5,390 |
| Loan and lease loss provision to assets | -0.0756% | 5,400 |
| Net operating income to assets | 1.6592% | 786 |
| Return on assets (ROA) | 1.6287% | 853 |
| Pretax return on assets | 1.7013% | 1,208 |
| Return on Equity (ROE) | 13.3182% | 1,259 |
| Retained earnings to average equity (ytd only) | 11.4934% | 586 |
| Net charge-offs to loans | 0.0021% | 3,131 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | 1,095.5000% | 72 |
| Efficiency ratio | 45.8478% | 5,216 |
| Assets per employee ($millions) | 11.5365% | 215 |
| Cash dividends to net income (ytd only)* | 13.7018% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,177 |
| Loan loss allowance to noncurrent loans | 745.3416% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,391 |
| Noncurrent loans to loans | 0.1742% | 4,122 |
| Net loans and leases to total assets | 68.7487% | 2,760 |
| Net loans and leases to deposits | 88.3880% | 2,061 |
| Net loans and leases to core deposits | 133.8074% | 266 |
| Total domestic deposits to total assets | 77.7805% | 4,625 |
| Equity capital to assets | 12.3661% | 1,619 |
| Core capital (leverage) ratio | 13.0442% | 1,203 |
| Tier 1 risk-based capital ratio | 13.1989% | 3,793 |
| Total risk-based capital ratio | 14.1246% | 3,881 |
| Memoranda: | ||
| Average total assets | $264,381,330 | 2,389 |
| Average earning assets | $259,629,000 | 2,284 |
| Average equity | $32,331,670 | 2,207 |
| Average total loans | $188,051,330 | 2,278 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 1,386 |
| Cost of funding earning assets | 1.2954% | 86 |
| Net interest margin | 3.3727% | 3,974 |
| Noninterest income to average assets | 0.1287% | 5,219 |
| Noninterest expense to average assets | 1.4556% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9161% | 435 |
| Return on assets (ROA) | 1.9175% | 433 |
| Pretax return on assets | 1.9872% | 584 |
| Return on Equity (ROE) | 15.6885% | 673 |
| Retained earnings to average equity (ytd only) | 14.6351% | 352 |
| Net charge-offs to loans | 0.0758% | 1,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 36.4167% | 1,118 |
| Efficiency ratio | 42.2975% | 5,393 |
| Assets per employee ($millions) | 11.6493% | 205 |
| Cash dividends to net income (ytd only)* | 6.7141% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,234 |
| Loan loss allowance to noncurrent loans | 738.3234% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,460 |
| Noncurrent loans to loans | 0.1763% | 4,185 |
| Net loans and leases to total assets | 69.7846% | 2,521 |
| Net loans and leases to deposits | 88.0173% | 1,926 |
| Net loans and leases to core deposits | 127.2907% | 391 |
| Total domestic deposits to total assets | 79.2851% | 4,533 |
| Equity capital to assets | 12.0586% | 1,742 |
| Core capital (leverage) ratio | 12.6613% | 1,311 |
| Tier 1 risk-based capital ratio | 12.5306% | 4,219 |
| Total risk-based capital ratio | 13.4503% | 4,331 |
| Memoranda: | ||
| Average total assets | $264,090,000 | 2,409 |
| Average earning assets | $259,376,000 | 2,297 |
| Average equity | $32,278,500 | 2,219 |
| Average total loans | $189,856,000 | 2,278 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 2,239 |
| Cost of funding earning assets | 1.1286% | 113 |
| Net interest margin | 3.1994% | 4,449 |
| Noninterest income to average assets | 0.0513% | 5,531 |
| Noninterest expense to average assets | 1.4433% | 5,505 |
| Loan and lease loss provision to assets | 0.0777% | 2,644 |
| Net operating income to assets | 1.5825% | 676 |
| Return on assets (ROA) | 1.6157% | 650 |
| Pretax return on assets | 1.7046% | 997 |
| Return on Equity (ROE) | 13.4914% | 849 |
| Retained earnings to average equity (ytd only) | 7.3990% | 952 |
| Net charge-offs to loans | 0.1528% | 1,579 |
| Credit loss provision to net charge-offs | 72.2022% | 3,061 |
| Earnings coverage of net charge-offs (x) | 16.2455% | 2,193 |
| Efficiency ratio | 45.2355% | 5,417 |
| Assets per employee ($millions) | 10.8436% | 248 |
| Cash dividends to net income (ytd only)* | 45.1574% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,149 |
| Loan loss allowance to noncurrent loans | 80.8662% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 1,246 |
| Noncurrent loans to loans | 1.6261% | 1,023 |
| Net loans and leases to total assets | 72.1499% | 2,211 |
| Net loans and leases to deposits | 89.6177% | 1,819 |
| Net loans and leases to core deposits | 130.2624% | 333 |
| Total domestic deposits to total assets | 80.5085% | 4,246 |
| Equity capital to assets | 12.3913% | 1,579 |
| Core capital (leverage) ratio | 12.3095% | 1,440 |
| Tier 1 risk-based capital ratio | 12.2262% | 4,381 |
| Total risk-based capital ratio | 13.1699% | 4,466 |
| Memoranda: | ||
| Average total assets | $257,537,600 | 2,437 |
| Average earning assets | $252,706,800 | 2,330 |
| Average equity | $30,841,800 | 2,301 |
| Average total loans | $181,273,800 | 2,314 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 2,162 |
| Cost of funding earning assets | 1.0920% | 119 |
| Net interest margin | 3.2416% | 4,354 |
| Noninterest income to average assets | 0.0597% | 5,581 |
| Noninterest expense to average assets | 1.3911% | 5,578 |
| Loan and lease loss provision to assets | 0.1038% | 2,034 |
| Net operating income to assets | 1.6582% | 628 |
| Return on assets (ROA) | 1.6631% | 641 |
| Pretax return on assets | 1.7503% | 1,002 |
| Return on Equity (ROE) | 14.0107% | 832 |
| Retained earnings to average equity (ytd only) | 6.1395% | 2,148 |
| Net charge-offs to loans | -0.0655% | 5,251 |
| Credit loss provision to net charge-offs | -227.2727% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9350% | 5,515 |
| Assets per employee ($millions) | 11.2880% | 215 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 1,354 |
| Loan loss allowance to noncurrent loans | 80.0391% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 1,213 |
| Noncurrent loans to loans | 1.9405% | 890 |
| Net loans and leases to total assets | 67.0789% | 2,972 |
| Net loans and leases to deposits | 82.8651% | 2,677 |
| Net loans and leases to core deposits | 118.6056% | 632 |
| Total domestic deposits to total assets | 80.9495% | 4,059 |
| Equity capital to assets | 11.6529% | 2,230 |
| Core capital (leverage) ratio | 12.2072% | 1,565 |
| Tier 1 risk-based capital ratio | 12.0087% | 4,610 |
| Total risk-based capital ratio | 13.1004% | 4,602 |
| Memoranda: | ||
| Average total assets | $256,860,250 | 2,458 |
| Average earning assets | $252,011,250 | 2,356 |
| Average equity | $30,490,250 | 2,342 |
| Average total loans | $179,024,750 | 2,349 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 1,936 |
| Cost of funding earning assets | 1.0227% | 157 |
| Net interest margin | 3.3391% | 3,988 |
| Noninterest income to average assets | 0.0539% | 5,643 |
| Noninterest expense to average assets | 1.3586% | 5,642 |
| Loan and lease loss provision to assets | 0.1586% | 1,258 |
| Net operating income to assets | 1.7207% | 543 |
| Return on assets (ROA) | 1.7147% | 554 |
| Pretax return on assets | 1.8035% | 831 |
| Return on Equity (ROE) | 14.3508% | 768 |
| Retained earnings to average equity (ytd only) | 5.4761% | 2,423 |
| Net charge-offs to loans | -0.0237% | 4,839 |
| Credit loss provision to net charge-offs | -952.3810% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8343% | 5,605 |
| Assets per employee ($millions) | 11.2426% | 212 |
| Cash dividends to net income (ytd only)* | 61.8409% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,608 |
| Loan loss allowance to noncurrent loans | 86.9565% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 1,352 |
| Noncurrent loans to loans | 1.7144% | 1,062 |
| Net loans and leases to total assets | 71.5531% | 2,271 |
| Net loans and leases to deposits | 92.4745% | 1,435 |
| Net loans and leases to core deposits | 133.8799% | 255 |
| Total domestic deposits to total assets | 77.3761% | 4,908 |
| Equity capital to assets | 11.9828% | 1,943 |
| Core capital (leverage) ratio | 12.2265% | 1,515 |
| Tier 1 risk-based capital ratio | 11.6707% | 4,857 |
| Total risk-based capital ratio | 12.7263% | 4,869 |
| Memoranda: | ||
| Average total assets | $252,176,670 | 2,499 |
| Average earning assets | $247,193,000 | 2,399 |
| Average equity | $30,130,670 | 2,364 |
| Average total loans | $177,169,330 | 2,367 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,203 |
| Cost of funding earning assets | 0.9794% | 181 |
| Net interest margin | 3.2427% | 4,207 |
| Noninterest income to average assets | 0.0482% | 5,730 |
| Noninterest expense to average assets | 1.3399% | 5,723 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7996% | 447 |
| Return on assets (ROA) | 1.6821% | 587 |
| Pretax return on assets | 1.7656% | 868 |
| Return on Equity (ROE) | 14.0993% | 789 |
| Retained earnings to average equity (ytd only) | 14.0993% | 289 |
| Net charge-offs to loans | -0.0279% | 4,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4925% | 5,658 |
| Assets per employee ($millions) | 11.0913% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,808 |
| Loan loss allowance to noncurrent loans | 45.6644% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 2.2317% | 557 |
| Noncurrent loans to loans | 3.2133% | 398 |
| Net loans and leases to total assets | 68.2032% | 2,648 |
| Net loans and leases to deposits | 83.4522% | 2,348 |
| Net loans and leases to core deposits | 123.1793% | 384 |
| Total domestic deposits to total assets | 81.7272% | 4,238 |
| Equity capital to assets | 11.9560% | 1,873 |
| Core capital (leverage) ratio | 12.3917% | 1,396 |
| Tier 1 risk-based capital ratio | 12.7692% | 4,215 |
| Total risk-based capital ratio | 13.8304% | 4,246 |
| Memoranda: | ||
| Average total assets | $248,975,000 | 2,553 |
| Average earning assets | $244,238,500 | 2,443 |
| Average equity | $29,703,500 | 2,404 |
| Average total loans | $171,843,000 | 2,443 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,162 |
| Cost of funding earning assets | 1.0150% | 156 |
| Net interest margin | 3.2797% | 4,205 |
| Noninterest income to average assets | 0.0591% | 5,747 |
| Noninterest expense to average assets | 1.4612% | 5,738 |
| Loan and lease loss provision to assets | 0.3187% | 579 |
| Net operating income to assets | 1.4136% | 983 |
| Return on assets (ROA) | 1.7297% | 536 |
| Pretax return on assets | 1.8202% | 759 |
| Return on Equity (ROE) | 13.6835% | 826 |
| Retained earnings to average equity (ytd only) | 5.8485% | 1,791 |
| Net charge-offs to loans | -0.1702% | 5,709 |
| Credit loss provision to net charge-offs | -287.3563% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7204% | 5,675 |
| Assets per employee ($millions) | 12.1425% | 163 |
| Cash dividends to net income (ytd only)* | 57.2587% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 1,521 |
| Loan loss allowance to noncurrent loans | 43.6084% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 2.4431% | 496 |
| Noncurrent loans to loans | 3.5390% | 335 |
| Net loans and leases to total assets | 67.7495% | 2,819 |
| Net loans and leases to deposits | 85.1454% | 2,289 |
| Net loans and leases to core deposits | 120.7162% | 462 |
| Total domestic deposits to total assets | 79.5692% | 4,668 |
| Equity capital to assets | 11.9033% | 1,874 |
| Core capital (leverage) ratio | 12.3548% | 1,401 |
| Tier 1 risk-based capital ratio | 13.9621% | 3,480 |
| Total risk-based capital ratio | 15.1572% | 3,429 |
| Memoranda: | ||
| Average total assets | $235,362,400 | 2,616 |
| Average earning assets | $230,236,600 | 2,512 |
| Average equity | $29,751,200 | 2,370 |
| Average total loans | $153,370,400 | 2,601 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 2,148 |
| Cost of funding earning assets | 1.0223% | 151 |
| Net interest margin | 3.2819% | 4,245 |
| Noninterest income to average assets | 0.0577% | 5,815 |
| Noninterest expense to average assets | 1.3448% | 5,846 |
| Loan and lease loss provision to assets | 0.2855% | 610 |
| Net operating income to assets | 1.5581% | 787 |
| Return on assets (ROA) | 1.9883% | 362 |
| Pretax return on assets | 2.0900% | 477 |
| Return on Equity (ROE) | 15.4947% | 615 |
| Retained earnings to average equity (ytd only) | 8.9043% | 849 |
| Net charge-offs to loans | -0.2196% | 5,786 |
| Credit loss provision to net charge-offs | -202.4291% | 4,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1569% | 5,806 |
| Assets per employee ($millions) | 12.3146% | 154 |
| Cash dividends to net income (ytd only)* | 42.5331% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,714 |
| Loan loss allowance to noncurrent loans | 38.3088% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.4633% | 558 |
| Noncurrent loans to loans | 3.9568% | 278 |
| Net loans and leases to total assets | 61.0702% | 3,731 |
| Net loans and leases to deposits | 76.4637% | 3,354 |
| Net loans and leases to core deposits | 105.1002% | 1,271 |
| Total domestic deposits to total assets | 79.8682% | 4,541 |
| Equity capital to assets | 12.8697% | 1,563 |
| Core capital (leverage) ratio | 12.9731% | 1,199 |
| Tier 1 risk-based capital ratio | 14.7040% | 3,190 |
| Total risk-based capital ratio | 15.8240% | 3,186 |
| Memoranda: | ||
| Average total assets | $233,490,750 | 2,642 |
| Average earning assets | $228,358,000 | 2,536 |
| Average equity | $29,962,250 | 2,370 |
| Average total loans | $149,936,000 | 2,647 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 1,914 |
| Cost of funding earning assets | 1.0212% | 153 |
| Net interest margin | 3.3489% | 4,062 |
| Noninterest income to average assets | 0.0550% | 5,907 |
| Noninterest expense to average assets | 1.3576% | 5,915 |
| Loan and lease loss provision to assets | 0.4363% | 331 |
| Net operating income to assets | 1.4736% | 935 |
| Return on assets (ROA) | 1.7049% | 605 |
| Pretax return on assets | 1.7921% | 894 |
| Return on Equity (ROE) | 13.2998% | 958 |
| Retained earnings to average equity (ytd only) | 5.3703% | 2,503 |
| Net charge-offs to loans | -0.0376% | 5,240 |
| Credit loss provision to net charge-offs | -1,785.7143% | 5,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6160% | 5,894 |
| Assets per employee ($millions) | 11.5372% | 179 |
| Cash dividends to net income (ytd only)* | 59.6213% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 2,421 |
| Loan loss allowance to noncurrent loans | 30.6209% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.9769% | 413 |
| Noncurrent loans to loans | 4.4841% | 235 |
| Net loans and leases to total assets | 65.2476% | 3,189 |
| Net loans and leases to deposits | 83.0910% | 2,581 |
| Net loans and leases to core deposits | 113.0802% | 769 |
| Total domestic deposits to total assets | 78.5256% | 4,893 |
| Equity capital to assets | 13.3213% | 1,321 |
| Core capital (leverage) ratio | 12.5420% | 1,331 |
| Tier 1 risk-based capital ratio | 13.9452% | 3,633 |
| Total risk-based capital ratio | 14.9469% | 3,698 |
| Memoranda: | ||
| Average total assets | $229,223,670 | 2,683 |
| Average earning assets | $225,031,000 | 2,574 |
| Average equity | $29,384,000 | 2,411 |
| Average total loans | $149,006,000 | 2,663 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 2,161 |
| Cost of funding earning assets | 1.0008% | 170 |
| Net interest margin | 3.2913% | 4,254 |
| Noninterest income to average assets | 0.0630% | 5,929 |
| Noninterest expense to average assets | 1.4059% | 5,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7942% | 476 |
| Return on assets (ROA) | 1.8541% | 466 |
| Pretax return on assets | 1.9504% | 626 |
| Return on Equity (ROE) | 14.7560% | 710 |
| Retained earnings to average equity (ytd only) | 14.7560% | 266 |
| Net charge-offs to loans | -0.0326% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6901% | 5,901 |
| Assets per employee ($millions) | 11.7886% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 4,202 |
| Loan loss allowance to noncurrent loans | 50.8039% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 1,605 |
| Noncurrent loans to loans | 2.1143% | 993 |
| Net loans and leases to total assets | 61.7168% | 3,563 |
| Net loans and leases to deposits | 77.6933% | 3,032 |
| Net loans and leases to core deposits | 106.5406% | 1,046 |
| Total domestic deposits to total assets | 79.4365% | 4,870 |
| Equity capital to assets | 12.6911% | 1,566 |
| Core capital (leverage) ratio | 13.0100% | 1,156 |
| Tier 1 risk-based capital ratio | 15.2061% | 3,059 |
| Total risk-based capital ratio | 16.0219% | 3,191 |
| Memoranda: | ||
| Average total assets | $228,463,500 | 2,702 |
| Average earning assets | $224,224,500 | 2,591 |
| Average equity | $28,707,000 | 2,460 |
| Average total loans | $147,183,500 | 2,692 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,250 |
| Cost of funding earning assets | 0.9159% | 267 |
| Net interest margin | 3.3749% | 4,014 |
| Noninterest income to average assets | 0.0590% | 5,985 |
| Noninterest expense to average assets | 1.3977% | 6,032 |
| Loan and lease loss provision to assets | 0.1083% | 2,186 |
| Net operating income to assets | 1.7220% | 551 |
| Return on assets (ROA) | 1.7277% | 570 |
| Pretax return on assets | 1.8185% | 777 |
| Return on Equity (ROE) | 14.1589% | 816 |
| Retained earnings to average equity (ytd only) | 9.0590% | 639 |
| Net charge-offs to loans | -0.0466% | 5,529 |
| Credit loss provision to net charge-offs | -373.0159% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1170% | 6,023 |
| Assets per employee ($millions) | 11.0578% | 193 |
| Cash dividends to net income (ytd only)* | 36.0192% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 4,240 |
| Loan loss allowance to noncurrent loans | 168.7836% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 3,801 |
| Noncurrent loans to loans | 0.6308% | 3,292 |
| Net loans and leases to total assets | 65.8850% | 2,996 |
| Net loans and leases to deposits | 83.4907% | 2,421 |
| Net loans and leases to core deposits | 114.8673% | 645 |
| Total domestic deposits to total assets | 78.9130% | 4,993 |
| Equity capital to assets | 12.4311% | 1,655 |
| Core capital (leverage) ratio | 13.0865% | 1,114 |
| Tier 1 risk-based capital ratio | 14.5501% | 3,416 |
| Total risk-based capital ratio | 15.3537% | 3,574 |
| Memoranda: | ||
| Average total assets | $216,934,400 | 2,771 |
| Average earning assets | $209,517,200 | 2,683 |
| Average equity | $26,471,000 | 2,599 |
| Average total loans | $135,306,200 | 2,795 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 2,509 |
| Cost of funding earning assets | 0.9081% | 275 |
| Net interest margin | 3.3154% | 4,280 |
| Noninterest income to average assets | 0.0593% | 6,068 |
| Noninterest expense to average assets | 1.3680% | 6,118 |
| Loan and lease loss provision to assets | 0.0371% | 3,471 |
| Net operating income to assets | 1.7531% | 570 |
| Return on assets (ROA) | 1.7596% | 583 |
| Pretax return on assets | 1.8516% | 803 |
| Return on Equity (ROE) | 14.4896% | 813 |
| Retained earnings to average equity (ytd only) | 9.7852% | 672 |
| Net charge-offs to loans | -0.0484% | 5,537 |
| Credit loss provision to net charge-offs | -125.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0943% | 6,087 |
| Assets per employee ($millions) | 11.1849% | 185 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 4,714 |
| Loan loss allowance to noncurrent loans | 104.3149% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 3,467 |
| Noncurrent loans to loans | 0.9645% | 2,572 |
| Net loans and leases to total assets | 60.6089% | 3,796 |
| Net loans and leases to deposits | 75.2885% | 3,388 |
| Net loans and leases to core deposits | 102.0618% | 1,382 |
| Total domestic deposits to total assets | 80.5023% | 4,603 |
| Equity capital to assets | 12.2196% | 1,940 |
| Core capital (leverage) ratio | 13.0697% | 1,182 |
| Tier 1 risk-based capital ratio | 13.7160% | 4,012 |
| Total risk-based capital ratio | 14.3930% | 4,274 |
| Memoranda: | ||
| Average total assets | $215,879,250 | 2,807 |
| Average earning assets | $207,751,000 | 2,724 |
| Average equity | $26,215,750 | 2,632 |
| Average total loans | $132,313,750 | 2,865 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 2,534 |
| Cost of funding earning assets | 0.9060% | 279 |
| Net interest margin | 3.2971% | 4,312 |
| Noninterest income to average assets | 0.0506% | 6,172 |
| Noninterest expense to average assets | 1.3082% | 6,224 |
| Loan and lease loss provision to assets | 0.0563% | 2,978 |
| Net operating income to assets | 1.7607% | 554 |
| Return on assets (ROA) | 1.7714% | 572 |
| Pretax return on assets | 1.8643% | 797 |
| Return on Equity (ROE) | 14.6192% | 801 |
| Retained earnings to average equity (ytd only) | 9.9757% | 666 |
| Net charge-offs to loans | -0.0505% | 5,553 |
| Credit loss provision to net charge-offs | -181.8182% | 5,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6587% | 6,195 |
| Assets per employee ($millions) | 12.5581% | 132 |
| Cash dividends to net income (ytd only)* | 31.7628% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 4,875 |
| Loan loss allowance to noncurrent loans | 100.7391% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 3,483 |
| Noncurrent loans to loans | 0.9929% | 2,657 |
| Net loans and leases to total assets | 63.1932% | 3,389 |
| Net loans and leases to deposits | 81.6039% | 2,610 |
| Net loans and leases to core deposits | 114.6346% | 642 |
| Total domestic deposits to total assets | 77.4390% | 5,384 |
| Equity capital to assets | 12.1464% | 1,918 |
| Core capital (leverage) ratio | 12.8751% | 1,227 |
| Tier 1 risk-based capital ratio | 15.0884% | 3,309 |
| Total risk-based capital ratio | 15.8422% | 3,514 |
| Memoranda: | ||
| Average total assets | $213,273,000 | 2,851 |
| Average earning assets | $204,847,000 | 2,759 |
| Average equity | $25,842,670 | 2,666 |
| Average total loans | $130,765,330 | 2,896 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 2,534 |
| Cost of funding earning assets | 0.9013% | 288 |
| Net interest margin | 3.2782% | 4,303 |
| Noninterest income to average assets | 0.0469% | 6,237 |
| Noninterest expense to average assets | 1.2854% | 6,288 |
| Loan and lease loss provision to assets | 0.0563% | 2,810 |
| Net operating income to assets | 1.7528% | 526 |
| Return on assets (ROA) | 1.7564% | 551 |
| Pretax return on assets | 1.8483% | 795 |
| Return on Equity (ROE) | 14.5125% | 787 |
| Retained earnings to average equity (ytd only) | 12.5744% | 495 |
| Net charge-offs to loans | -0.0500% | 5,513 |
| Credit loss provision to net charge-offs | -187.5000% | 4,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3416% | 6,262 |
| Assets per employee ($millions) | 11.6121% | 165 |
| Cash dividends to net income (ytd only)* | 13.3547% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 5,185 |
| Loan loss allowance to noncurrent loans | 145.5752% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.2319% | 2,172 |
| Noncurrent loans to loans | 0.6642% | 3,623 |
| Net loans and leases to total assets | 61.0953% | 3,517 |
| Net loans and leases to deposits | 75.6000% | 3,101 |
| Net loans and leases to core deposits | 102.1732% | 1,168 |
| Total domestic deposits to total assets | 80.8139% | 4,861 |
| Equity capital to assets | 12.0120% | 2,016 |
| Core capital (leverage) ratio | 12.7414% | 1,257 |
| Tier 1 risk-based capital ratio | 14.5282% | 3,703 |
| Total risk-based capital ratio | 15.2416% | 3,942 |
| Memoranda: | ||
| Average total assets | $213,165,500 | 2,876 |
| Average earning assets | $204,139,000 | 2,790 |
| Average equity | $25,798,500 | 2,684 |
| Average total loans | $128,011,500 | 2,948 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 3,001 |
| Cost of funding earning assets | 0.9837% | 252 |
| Net interest margin | 3.2010% | 4,914 |
| Noninterest income to average assets | 0.0528% | 6,283 |
| Noninterest expense to average assets | 1.5235% | 6,285 |
| Loan and lease loss provision to assets | -0.0040% | 5,894 |
| Net operating income to assets | 1.5589% | 782 |
| Return on assets (ROA) | 1.6261% | 704 |
| Pretax return on assets | 1.7112% | 964 |
| Return on Equity (ROE) | 14.0699% | 925 |
| Retained earnings to average equity (ytd only) | 7.8664% | 1,065 |
| Net charge-offs to loans | -0.0598% | 5,983 |
| Credit loss provision to net charge-offs | 12.6984% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2118% | 6,177 |
| Assets per employee ($millions) | 11.4279% | 168 |
| Cash dividends to net income (ytd only)* | 44.0906% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 4,768 |
| Loan loss allowance to noncurrent loans | 148.8863% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2965% | 2,174 |
| Noncurrent loans to loans | 0.7113% | 3,541 |
| Net loans and leases to total assets | 57.6771% | 4,092 |
| Net loans and leases to deposits | 72.9599% | 3,559 |
| Net loans and leases to core deposits | 95.9553% | 1,727 |
| Total domestic deposits to total assets | 79.0532% | 5,240 |
| Equity capital to assets | 12.1997% | 1,861 |
| Core capital (leverage) ratio | 12.6468% | 1,284 |
| Tier 1 risk-based capital ratio | 15.6456% | 3,157 |
| Total risk-based capital ratio | 16.4100% | 3,355 |
| Memoranda: | ||
| Average total assets | $200,851,200 | 2,983 |
| Average earning assets | $194,969,400 | 2,857 |
| Average equity | $23,212,600 | 2,827 |
| Average total loans | $105,336,600 | 3,318 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 3,505 |
| Cost of funding earning assets | 0.9862% | 261 |
| Net interest margin | 3.0792% | 5,315 |
| Noninterest income to average assets | 0.1008% | 6,248 |
| Noninterest expense to average assets | 1.5281% | 6,338 |
| Loan and lease loss provision to assets | -0.0882% | 6,251 |
| Net operating income to assets | 1.5792% | 789 |
| Return on assets (ROA) | 1.6242% | 737 |
| Pretax return on assets | 1.7090% | 1,048 |
| Return on Equity (ROE) | 14.2582% | 939 |
| Retained earnings to average equity (ytd only) | 9.0403% | 988 |
| Net charge-offs to loans | -0.0302% | 5,743 |
| Credit loss provision to net charge-offs | 573.9130% | 509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2679% | 6,131 |
| Assets per employee ($millions) | 11.2565% | 164 |
| Cash dividends to net income (ytd only)* | 36.5954% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 5,107 |
| Loan loss allowance to noncurrent loans | 82.2173% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4766% | 2,088 |
| Noncurrent loans to loans | 1.2446% | 2,561 |
| Net loans and leases to total assets | 49.9752% | 5,014 |
| Net loans and leases to deposits | 62.1094% | 4,729 |
| Net loans and leases to core deposits | 88.7866% | 2,342 |
| Total domestic deposits to total assets | 80.4633% | 4,972 |
| Equity capital to assets | 11.5400% | 2,441 |
| Core capital (leverage) ratio | 12.5887% | 1,358 |
| Tier 1 risk-based capital ratio | 15.9833% | 3,069 |
| Total risk-based capital ratio | 16.6703% | 3,295 |
| Memoranda: | ||
| Average total assets | $199,638,500 | 3,023 |
| Average earning assets | $194,545,750 | 2,884 |
| Average equity | $22,742,000 | 2,877 |
| Average total loans | $101,692,500 | 3,415 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,531 |
| Cost of funding earning assets | 0.9947% | 261 |
| Net interest margin | 3.0569% | 5,380 |
| Noninterest income to average assets | 0.0647% | 6,397 |
| Noninterest expense to average assets | 1.6368% | 6,329 |
| Loan and lease loss provision to assets | -0.1662% | 6,440 |
| Net operating income to assets | 1.4967% | 874 |
| Return on assets (ROA) | 1.5444% | 837 |
| Pretax return on assets | 1.6214% | 1,197 |
| Return on Equity (ROE) | 13.6226% | 1,026 |
| Retained earnings to average equity (ytd only) | 5.5667% | 2,604 |
| Net charge-offs to loans | -0.0562% | 5,930 |
| Credit loss provision to net charge-offs | 578.5714% | 524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8124% | 5,924 |
| Assets per employee ($millions) | 10.0009% | 233 |
| Cash dividends to net income (ytd only)* | 59.1362% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 5,223 |
| Loan loss allowance to noncurrent loans | 65.0995% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8098% | 1,791 |
| Noncurrent loans to loans | 1.5788% | 2,199 |
| Net loans and leases to total assets | 51.9943% | 4,749 |
| Net loans and leases to deposits | 65.8082% | 4,286 |
| Net loans and leases to core deposits | 95.4180% | 1,651 |
| Total domestic deposits to total assets | 79.0089% | 5,453 |
| Equity capital to assets | 11.8899% | 2,072 |
| Core capital (leverage) ratio | 12.4176% | 1,437 |
| Tier 1 risk-based capital ratio | 16.1140% | 3,031 |
| Total risk-based capital ratio | 16.8163% | 3,274 |
| Memoranda: | ||
| Average total assets | $194,893,330 | 3,091 |
| Average earning assets | $189,800,670 | 2,954 |
| Average equity | $22,095,670 | 2,938 |
| Average total loans | $99,593,670 | 3,463 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,459 |
| Cost of funding earning assets | 0.9806% | 298 |
| Net interest margin | 3.0720% | 5,332 |
| Noninterest income to average assets | 0.0811% | 6,389 |
| Noninterest expense to average assets | 1.8447% | 6,155 |
| Loan and lease loss provision to assets | -0.3577% | 6,635 |
| Net operating income to assets | 1.5068% | 803 |
| Return on assets (ROA) | 1.5661% | 743 |
| Pretax return on assets | 1.6472% | 1,077 |
| Return on Equity (ROE) | 14.1725% | 912 |
| Retained earnings to average equity (ytd only) | 14.1725% | 380 |
| Net charge-offs to loans | -0.0537% | 5,829 |
| Credit loss provision to net charge-offs | 1,323.0769% | 249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0542% | 5,399 |
| Assets per employee ($millions) | 11.1572% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 5,236 |
| Loan loss allowance to noncurrent loans | 77.0803% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.6701% | 2,116 |
| Noncurrent loans to loans | 1.3915% | 2,701 |
| Net loans and leases to total assets | 48.4995% | 5,060 |
| Net loans and leases to deposits | 60.3177% | 4,730 |
| Net loans and leases to core deposits | 90.8965% | 1,837 |
| Total domestic deposits to total assets | 80.4067% | 5,403 |
| Equity capital to assets | 11.1896% | 2,535 |
| Core capital (leverage) ratio | 13.0245% | 1,151 |
| Tier 1 risk-based capital ratio | 16.3505% | 2,973 |
| Total risk-based capital ratio | 17.0434% | 3,237 |
| Memoranda: | ||
| Average total assets | $192,331,000 | 3,133 |
| Average earning assets | $187,241,000 | 3,006 |
| Average equity | $21,252,500 | 3,022 |
| Average total loans | $96,851,500 | 3,537 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 4,355 |
| Cost of funding earning assets | 1.1010% | 282 |
| Net interest margin | 2.8291% | 5,933 |
| Noninterest income to average assets | 0.0822% | 6,451 |
| Noninterest expense to average assets | 1.3777% | 6,641 |
| Loan and lease loss provision to assets | 0.0211% | 4,711 |
| Net operating income to assets | 1.3822% | 1,065 |
| Return on assets (ROA) | 1.5383% | 801 |
| Pretax return on assets | 1.6190% | 1,121 |
| Return on Equity (ROE) | 13.5464% | 1,051 |
| Retained earnings to average equity (ytd only) | 8.6428% | 865 |
| Net charge-offs to loans | 0.8041% | 781 |
| Credit loss provision to net charge-offs | 5.5866% | 4,639 |
| Earnings coverage of net charge-offs (x) | 3.9120% | 3,719 |
| Efficiency ratio | 48.2829% | 6,483 |
| Assets per employee ($millions) | 9.6754% | 256 |
| Cash dividends to net income (ytd only)* | 36.1986% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 4,269 |
| Loan loss allowance to noncurrent loans | 92.6067% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 1,928 |
| Noncurrent loans to loans | 1.3775% | 2,835 |
| Net loans and leases to total assets | 51.1502% | 4,957 |
| Net loans and leases to deposits | 64.4401% | 4,464 |
| Net loans and leases to core deposits | 90.6489% | 1,945 |
| Total domestic deposits to total assets | 79.3764% | 5,582 |
| Equity capital to assets | 10.8974% | 2,709 |
| Core capital (leverage) ratio | 12.7153% | 1,252 |
| Tier 1 risk-based capital ratio | 16.9766% | 2,618 |
| Total risk-based capital ratio | 17.8302% | 2,781 |
| Memoranda: | ||
| Average total assets | $189,813,800 | 3,162 |
| Average earning assets | $185,927,800 | 3,011 |
| Average equity | $21,555,600 | 2,977 |
| Average total loans | $89,040,000 | 3,710 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 4,475 |
| Cost of funding earning assets | 1.1123% | 294 |
| Net interest margin | 2.7943% | 6,029 |
| Noninterest income to average assets | 0.0885% | 6,512 |
| Noninterest expense to average assets | 1.3221% | 6,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4324% | 1,022 |
| Return on assets (ROA) | 1.6622% | 700 |
| Pretax return on assets | 1.7500% | 995 |
| Return on Equity (ROE) | 14.4962% | 888 |
| Retained earnings to average equity (ytd only) | 12.6302% | 368 |
| Net charge-offs to loans | 1.1567% | 476 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.8511% | 3,882 |
| Efficiency ratio | 46.7126% | 6,562 |
| Assets per employee ($millions) | 10.6413% | 194 |
| Cash dividends to net income (ytd only)* | 12.8720% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 4,567 |
| Loan loss allowance to noncurrent loans | 33.5409% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 2,165 |
| Noncurrent loans to loans | 3.7729% | 974 |
| Net loans and leases to total assets | 43.6454% | 5,756 |
| Net loans and leases to deposits | 53.3387% | 5,600 |
| Net loans and leases to core deposits | 76.4097% | 3,579 |
| Total domestic deposits to total assets | 81.8269% | 4,989 |
| Equity capital to assets | 10.2797% | 3,533 |
| Core capital (leverage) ratio | 12.7224% | 1,316 |
| Tier 1 risk-based capital ratio | 16.8126% | 2,800 |
| Total risk-based capital ratio | 17.5926% | 2,984 |
| Memoranda: | ||
| Average total assets | $191,309,000 | 3,164 |
| Average earning assets | $187,708,000 | 3,012 |
| Average equity | $21,936,250 | 2,973 |
| Average total loans | $87,488,500 | 3,775 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9433% | 4,310 |
| Cost of funding earning assets | 1.1609% | 243 |
| Net interest margin | 2.7824% | 6,042 |
| Noninterest income to average assets | 0.0906% | 6,555 |
| Noninterest expense to average assets | 1.3459% | 6,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4003% | 1,080 |
| Return on assets (ROA) | 1.8265% | 521 |
| Pretax return on assets | 1.9234% | 711 |
| Return on Equity (ROE) | 15.3582% | 752 |
| Retained earnings to average equity (ytd only) | 12.6073% | 423 |
| Net charge-offs to loans | 1.8006% | 260 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.7698% | 3,940 |
| Efficiency ratio | 47.7144% | 6,554 |
| Assets per employee ($millions) | 10.5143% | 193 |
| Cash dividends to net income (ytd only)* | 17.9113% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 4,215 |
| Loan loss allowance to noncurrent loans | 25.9233% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5008% | 1,693 |
| Noncurrent loans to loans | 5.2438% | 596 |
| Net loans and leases to total assets | 42.5203% | 5,863 |
| Net loans and leases to deposits | 52.3000% | 5,663 |
| Net loans and leases to core deposits | 72.9967% | 3,930 |
| Total domestic deposits to total assets | 81.3007% | 5,263 |
| Equity capital to assets | 10.6490% | 3,121 |
| Core capital (leverage) ratio | 12.2724% | 1,465 |
| Tier 1 risk-based capital ratio | 17.2689% | 2,603 |
| Total risk-based capital ratio | 18.0767% | 2,747 |
| Memoranda: | ||
| Average total assets | $187,684,000 | 3,235 |
| Average earning assets | $184,160,000 | 3,058 |
| Average equity | $22,320,330 | 2,952 |
| Average total loans | $86,859,670 | 3,796 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 4,071 |
| Cost of funding earning assets | 1.1708% | 256 |
| Net interest margin | 2.8408% | 5,941 |
| Noninterest income to average assets | 0.1006% | 6,577 |
| Noninterest expense to average assets | 1.3355% | 6,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4841% | 888 |
| Return on assets (ROA) | 1.9091% | 432 |
| Pretax return on assets | 2.0011% | 593 |
| Return on Equity (ROE) | 15.2456% | 706 |
| Retained earnings to average equity (ytd only) | 13.9637% | 455 |
| Net charge-offs to loans | -0.0715% | 6,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2222% | 6,685 |
| Assets per employee ($millions) | 10.2605% | 208 |
| Cash dividends to net income (ytd only)* | 8.4081% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2200% | 1,547 |
| Loan loss allowance to noncurrent loans | 52.5344% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 2,339 |
| Noncurrent loans to loans | 4.2258% | 1,034 |
| Net loans and leases to total assets | 43.0851% | 5,753 |
| Net loans and leases to deposits | 54.0833% | 5,431 |
| Net loans and leases to core deposits | 74.9044% | 3,476 |
| Total domestic deposits to total assets | 79.6644% | 5,830 |
| Equity capital to assets | 12.0293% | 2,017 |
| Core capital (leverage) ratio | 12.4594% | 1,352 |
| Tier 1 risk-based capital ratio | 16.2691% | 3,121 |
| Total risk-based capital ratio | 17.5202% | 3,074 |
| Memoranda: | ||
| Average total assets | $186,897,000 | 3,273 |
| Average earning assets | $183,467,500 | 3,102 |
| Average equity | $23,403,500 | 2,865 |
| Average total loans | $89,498,500 | 3,760 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 4,185 |
| Cost of funding earning assets | 1.2953% | 385 |
| Net interest margin | 3.0058% | 6,043 |
| Noninterest income to average assets | 0.0657% | 6,635 |
| Noninterest expense to average assets | 1.5256% | 6,855 |
| Loan and lease loss provision to assets | 0.0526% | 5,153 |
| Net operating income to assets | 1.3609% | 1,174 |
| Return on assets (ROA) | 1.6518% | 760 |
| Pretax return on assets | 1.7387% | 1,047 |
| Return on Equity (ROE) | 12.7734% | 1,287 |
| Retained earnings to average equity (ytd only) | 5.8278% | 2,177 |
| Net charge-offs to loans | 0.4292% | 2,521 |
| Credit loss provision to net charge-offs | 23.5897% | 5,234 |
| Earnings coverage of net charge-offs (x) | 6.6641% | 2,771 |
| Efficiency ratio | 50.6738% | 6,544 |
| Assets per employee ($millions) | 10.5203% | 197 |
| Cash dividends to net income (ytd only)* | 54.3756% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0312% | 1,935 |
| Loan loss allowance to noncurrent loans | 60.8626% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.3322% | 2,104 |
| Noncurrent loans to loans | 3.3374% | 1,530 |
| Net loans and leases to total assets | 50.9967% | 5,038 |
| Net loans and leases to deposits | 65.9835% | 4,288 |
| Net loans and leases to core deposits | 92.4625% | 1,597 |
| Total domestic deposits to total assets | 77.2870% | 6,194 |
| Equity capital to assets | 13.0594% | 1,414 |
| Core capital (leverage) ratio | 12.5161% | 1,314 |
| Tier 1 risk-based capital ratio | 16.2724% | 3,013 |
| Total risk-based capital ratio | 17.5237% | 2,970 |
| Memoranda: | ||
| Average total assets | $175,018,400 | 3,376 |
| Average earning assets | $171,468,200 | 3,211 |
| Average equity | $22,633,000 | 2,896 |
| Average total loans | $90,876,800 | 3,727 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2346% | 4,689 |
| Cost of funding earning assets | 1.3101% | 416 |
| Net interest margin | 2.9245% | 6,310 |
| Noninterest income to average assets | 0.0597% | 6,768 |
| Noninterest expense to average assets | 1.5366% | 6,923 |
| Loan and lease loss provision to assets | 0.1471% | 3,700 |
| Net operating income to assets | 1.1782% | 1,806 |
| Return on assets (ROA) | 1.5596% | 1,032 |
| Pretax return on assets | 1.6415% | 1,447 |
| Return on Equity (ROE) | 12.0905% | 1,600 |
| Retained earnings to average equity (ytd only) | 9.4183% | 1,091 |
| Net charge-offs to loans | 0.5668% | 1,917 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 4.7161% | 3,225 |
| Efficiency ratio | 52.5544% | 6,396 |
| Assets per employee ($millions) | 10.9029% | 187 |
| Cash dividends to net income (ytd only)* | 22.1023% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 1,833 |
| Loan loss allowance to noncurrent loans | 57.7168% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.4408% | 2,170 |
| Noncurrent loans to loans | 3.7072% | 1,436 |
| Net loans and leases to total assets | 49.2770% | 5,408 |
| Net loans and leases to deposits | 62.8648% | 4,865 |
| Net loans and leases to core deposits | 83.7083% | 2,730 |
| Total domestic deposits to total assets | 78.3858% | 5,996 |
| Equity capital to assets | 12.8287% | 1,690 |
| Core capital (leverage) ratio | 12.8981% | 1,229 |
| Tier 1 risk-based capital ratio | 16.6581% | 2,916 |
| Total risk-based capital ratio | 17.9106% | 2,881 |
| Memoranda: | ||
| Average total assets | $174,061,750 | 3,432 |
| Average earning assets | $170,465,750 | 3,256 |
| Average equity | $22,452,250 | 2,946 |
| Average total loans | $90,322,000 | 3,780 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 4,296 |
| Cost of funding earning assets | 1.3399% | 447 |
| Net interest margin | 3.0325% | 6,167 |
| Noninterest income to average assets | 0.0752% | 6,772 |
| Noninterest expense to average assets | 1.5631% | 6,961 |
| Loan and lease loss provision to assets | 0.2255% | 2,824 |
| Net operating income to assets | 1.1932% | 1,741 |
| Return on assets (ROA) | 1.6172% | 902 |
| Pretax return on assets | 1.7017% | 1,253 |
| Return on Equity (ROE) | 12.5123% | 1,502 |
| Retained earnings to average equity (ytd only) | 10.6950% | 809 |
| Net charge-offs to loans | 0.9360% | 1,178 |
| Credit loss provision to net charge-offs | 45.9330% | 4,129 |
| Earnings coverage of net charge-offs (x) | 3.0167% | 3,542 |
| Efficiency ratio | 51.3503% | 6,552 |
| Assets per employee ($millions) | 10.1681% | 217 |
| Cash dividends to net income (ytd only)* | 14.5243% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1477% | 1,894 |
| Loan loss allowance to noncurrent loans | 42.6739% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 3.3108% | 1,634 |
| Noncurrent loans to loans | 5.0329% | 970 |
| Net loans and leases to total assets | 51.7399% | 5,130 |
| Net loans and leases to deposits | 67.6311% | 4,265 |
| Net loans and leases to core deposits | 91.2305% | 1,845 |
| Total domestic deposits to total assets | 76.5031% | 6,395 |
| Equity capital to assets | 13.2844% | 1,400 |
| Core capital (leverage) ratio | 12.8387% | 1,204 |
| Tier 1 risk-based capital ratio | 16.5059% | 2,910 |
| Total risk-based capital ratio | 17.7587% | 2,872 |
| Memoranda: | ||
| Average total assets | $170,299,000 | 3,495 |
| Average earning assets | $166,729,670 | 3,318 |
| Average equity | $22,010,330 | 2,985 |
| Average total loans | $89,318,670 | 3,822 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 4,491 |
| Cost of funding earning assets | 1.3521% | 510 |
| Net interest margin | 3.0041% | 6,289 |
| Noninterest income to average assets | 0.1278% | 6,610 |
| Noninterest expense to average assets | 1.6022% | 6,972 |
| Loan and lease loss provision to assets | 0.7526% | 675 |
| Net operating income to assets | 0.6709% | 4,027 |
| Return on assets (ROA) | 0.9490% | 2,908 |
| Pretax return on assets | 1.0082% | 3,651 |
| Return on Equity (ROE) | 7.4487% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.4487% | 2,203 |
| Net charge-offs to loans | 0.0589% | 3,915 |
| Credit loss provision to net charge-offs | 2,446.1538% | 126 |
| Earnings coverage of net charge-offs (x) | 47.6154% | 660 |
| Efficiency ratio | 52.2377% | 6,519 |
| Assets per employee ($millions) | 9.6048% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9047% | 908 |
| Loan loss allowance to noncurrent loans | 44.4722% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 3.9112% | 1,422 |
| Noncurrent loans to loans | 6.5314% | 729 |
| Net loans and leases to total assets | 48.2214% | 5,527 |
| Net loans and leases to deposits | 62.9658% | 4,774 |
| Net loans and leases to core deposits | 83.7524% | 2,573 |
| Total domestic deposits to total assets | 76.5834% | 6,475 |
| Equity capital to assets | 12.7541% | 1,570 |
| Core capital (leverage) ratio | 12.7308% | 1,226 |
| Tier 1 risk-based capital ratio | 16.3986% | 2,964 |
| Total risk-based capital ratio | 17.6571% | 2,918 |
| Memoranda: | ||
| Average total assets | $169,020,000 | 3,532 |
| Average earning assets | $165,372,500 | 3,357 |
| Average equity | $21,534,000 | 3,032 |
| Average total loans | $88,278,500 | 3,876 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 3,942 |
| Cost of funding earning assets | 1.5662% | 543 |
| Net interest margin | 3.2034% | 6,086 |
| Noninterest income to average assets | 0.0639% | 6,776 |
| Noninterest expense to average assets | 1.6167% | 7,110 |
| Loan and lease loss provision to assets | 0.2452% | 3,756 |
| Net operating income to assets | 1.2450% | 1,393 |
| Return on assets (ROA) | 1.4336% | 1,046 |
| Pretax return on assets | 1.5085% | 1,444 |
| Return on Equity (ROE) | 11.9824% | 1,409 |
| Retained earnings to average equity (ytd only) | 7.1032% | 1,451 |
| Net charge-offs to loans | -0.0189% | 6,952 |
| Credit loss provision to net charge-offs | -2,493.7500% | 6,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9686% | 6,777 |
| Assets per employee ($millions) | 9.1752% | 303 |
| Cash dividends to net income (ytd only)* | 40.7201% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4136% | 1,443 |
| Loan loss allowance to noncurrent loans | 58.7493% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 3.0166% | 1,996 |
| Noncurrent loans to loans | 4.1083% | 1,508 |
| Net loans and leases to total assets | 53.5900% | 5,098 |
| Net loans and leases to deposits | 70.1410% | 4,074 |
| Net loans and leases to core deposits | 93.7603% | 1,723 |
| Total domestic deposits to total assets | 76.4032% | 6,430 |
| Equity capital to assets | 12.7263% | 1,639 |
| Core capital (leverage) ratio | 12.3014% | 1,438 |
| Tier 1 risk-based capital ratio | 15.5645% | 3,284 |
| Total risk-based capital ratio | 16.8189% | 3,240 |
| Memoranda: | ||
| Average total assets | $162,741,200 | 3,593 |
| Average earning assets | $157,895,800 | 3,441 |
| Average equity | $19,470,200 | 3,218 |
| Average total loans | $84,523,800 | 4,012 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 4,620 |
| Cost of funding earning assets | 1.5461% | 728 |
| Net interest margin | 3.1168% | 6,358 |
| Noninterest income to average assets | 0.0798% | 6,841 |
| Noninterest expense to average assets | 1.7121% | 7,085 |
| Loan and lease loss provision to assets | 0.3857% | 2,545 |
| Net operating income to assets | 0.9453% | 2,550 |
| Return on assets (ROA) | 1.0814% | 2,181 |
| Pretax return on assets | 1.1455% | 2,835 |
| Return on Equity (ROE) | 9.1876% | 2,512 |
| Retained earnings to average equity (ytd only) | 5.5196% | 2,851 |
| Net charge-offs to loans | 0.0048% | 6,119 |
| Credit loss provision to net charge-offs | 15,633.3333% | 15 |
| Earnings coverage of net charge-offs (x) | 561.9850% | 65 |
| Efficiency ratio | 55.2548% | 6,367 |
| Assets per employee ($millions) | 9.6969% | 276 |
| Cash dividends to net income (ytd only)* | 39.9238% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4789% | 1,426 |
| Loan loss allowance to noncurrent loans | 50.0223% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 3.2737% | 1,938 |
| Noncurrent loans to loans | 4.9556% | 1,263 |
| Net loans and leases to total assets | 50.4876% | 5,636 |
| Net loans and leases to deposits | 65.8942% | 4,923 |
| Net loans and leases to core deposits | 96.7385% | 1,532 |
| Total domestic deposits to total assets | 76.6191% | 6,435 |
| Equity capital to assets | 11.8406% | 2,383 |
| Core capital (leverage) ratio | 12.4685% | 1,450 |
| Tier 1 risk-based capital ratio | 15.4868% | 3,395 |
| Total risk-based capital ratio | 16.7424% | 3,364 |
| Memoranda: | ||
| Average total assets | $162,138,000 | 3,635 |
| Average earning assets | $157,038,000 | 3,480 |
| Average equity | $19,083,250 | 3,272 |
| Average total loans | $82,981,000 | 4,089 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 3,831 |
| Cost of funding earning assets | 1.6183% | 652 |
| Net interest margin | 3.2392% | 6,028 |
| Noninterest income to average assets | 0.0684% | 6,964 |
| Noninterest expense to average assets | 1.6228% | 7,241 |
| Loan and lease loss provision to assets | 0.1899% | 4,021 |
| Net operating income to assets | 1.3204% | 1,268 |
| Return on assets (ROA) | 1.3949% | 1,159 |
| Pretax return on assets | 1.4658% | 1,627 |
| Return on Equity (ROE) | 11.8780% | 1,529 |
| Retained earnings to average equity (ytd only) | 8.1055% | 1,425 |
| Net charge-offs to loans | -0.1068% | 7,180 |
| Credit loss provision to net charge-offs | -348.8372% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7120% | 6,894 |
| Assets per employee ($millions) | 9.0563% | 320 |
| Cash dividends to net income (ytd only)* | 31.7604% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1508% | 2,010 |
| Loan loss allowance to noncurrent loans | 41.9458% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 3.5684% | 1,834 |
| Noncurrent loans to loans | 5.1276% | 1,260 |
| Net loans and leases to total assets | 54.8677% | 5,169 |
| Net loans and leases to deposits | 74.0537% | 3,801 |
| Net loans and leases to core deposits | 117.0048% | 498 |
| Total domestic deposits to total assets | 74.0918% | 6,834 |
| Equity capital to assets | 12.6915% | 1,683 |
| Core capital (leverage) ratio | 12.2729% | 1,468 |
| Tier 1 risk-based capital ratio | 16.4528% | 2,767 |
| Total risk-based capital ratio | 17.7067% | 2,729 |
| Memoranda: | ||
| Average total assets | $158,002,670 | 3,713 |
| Average earning assets | $152,752,000 | 3,581 |
| Average equity | $18,555,330 | 3,324 |
| Average total loans | $80,520,330 | 4,195 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 3,504 |
| Cost of funding earning assets | 1.6094% | 788 |
| Net interest margin | 3.3066% | 5,754 |
| Noninterest income to average assets | 0.0412% | 7,179 |
| Noninterest expense to average assets | 1.6463% | 7,274 |
| Loan and lease loss provision to assets | 0.0643% | 5,188 |
| Net operating income to assets | 1.4605% | 960 |
| Return on assets (ROA) | 1.5692% | 784 |
| Pretax return on assets | 1.6412% | 1,100 |
| Return on Equity (ROE) | 13.9520% | 1,001 |
| Retained earnings to average equity (ytd only) | 9.9494% | 1,128 |
| Net charge-offs to loans | -0.0160% | 6,500 |
| Credit loss provision to net charge-offs | -833.3333% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8340% | 6,930 |
| Assets per employee ($millions) | 10.9035% | 199 |
| Cash dividends to net income (ytd only)* | 28.6885% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 1,628 |
| Loan loss allowance to noncurrent loans | 37.9368% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 3.5787% | 1,902 |
| Noncurrent loans to loans | 6.2851% | 979 |
| Net loans and leases to total assets | 45.1071% | 6,371 |
| Net loans and leases to deposits | 60.1162% | 5,717 |
| Net loans and leases to core deposits | 95.1137% | 1,756 |
| Total domestic deposits to total assets | 75.0332% | 6,783 |
| Equity capital to assets | 11.3064% | 2,410 |
| Core capital (leverage) ratio | 12.6279% | 1,275 |
| Tier 1 risk-based capital ratio | 17.0283% | 2,460 |
| Total risk-based capital ratio | 18.2820% | 2,436 |
| Memoranda: | ||
| Average total assets | $155,497,000 | 3,784 |
| Average earning assets | $150,366,500 | 3,632 |
| Average equity | $17,488,500 | 3,492 |
| Average total loans | $75,076,500 | 4,422 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0606% | 4,281 |
| Cost of funding earning assets | 1.8525% | 990 |
| Net interest margin | 3.2080% | 6,250 |
| Noninterest income to average assets | 0.1818% | 6,451 |
| Noninterest expense to average assets | 1.8303% | 7,234 |
| Loan and lease loss provision to assets | 0.0895% | 6,248 |
| Net operating income to assets | 1.2988% | 1,177 |
| Return on assets (ROA) | 1.6038% | 666 |
| Pretax return on assets | 1.6889% | 966 |
| Return on Equity (ROE) | 12.5688% | 1,202 |
| Retained earnings to average equity (ytd only) | 7.6216% | 1,110 |
| Net charge-offs to loans | 1.4675% | 1,508 |
| Credit loss provision to net charge-offs | 10.8486% | 6,608 |
| Earnings coverage of net charge-offs (x) | 1.7673% | 4,392 |
| Efficiency ratio | 55.6726% | 6,635 |
| Assets per employee ($millions) | 9.8294% | 263 |
| Cash dividends to net income (ytd only)* | 39.3612% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3787% | 1,579 |
| Loan loss allowance to noncurrent loans | 38.1505% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 3.7744% | 1,814 |
| Noncurrent loans to loans | 6.2352% | 985 |
| Net loans and leases to total assets | 49.3777% | 6,227 |
| Net loans and leases to deposits | 67.4414% | 5,178 |
| Net loans and leases to core deposits | 104.0548% | 1,307 |
| Total domestic deposits to total assets | 73.2157% | 6,980 |
| Equity capital to assets | 11.1807% | 2,526 |
| Core capital (leverage) ratio | 12.8090% | 1,193 |
| Tier 1 risk-based capital ratio | 17.0000% | 2,343 |
| Total risk-based capital ratio | 18.2533% | 2,311 |
| Memoranda: | ||
| Average total assets | $138,608,200 | 4,082 |
| Average earning assets | $134,194,400 | 3,925 |
| Average equity | $17,686,600 | 3,475 |
| Average total loans | $77,886,800 | 4,395 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 4,581 |
| Cost of funding earning assets | 1.8656% | 1,150 |
| Net interest margin | 3.1864% | 6,389 |
| Noninterest income to average assets | 0.1173% | 6,962 |
| Noninterest expense to average assets | 1.8426% | 7,280 |
| Loan and lease loss provision to assets | 0.1320% | 5,709 |
| Net operating income to assets | 1.1672% | 1,685 |
| Return on assets (ROA) | 1.4653% | 1,064 |
| Pretax return on assets | 1.5435% | 1,496 |
| Return on Equity (ROE) | 11.1115% | 1,753 |
| Retained earnings to average equity (ytd only) | 4.6255% | 3,245 |
| Net charge-offs to loans | 1.8582% | 1,033 |
| Credit loss provision to net charge-offs | 12.3063% | 6,316 |
| Earnings coverage of net charge-offs (x) | 1.2698% | 4,805 |
| Efficiency ratio | 57.5046% | 6,341 |
| Assets per employee ($millions) | 9.9229% | 266 |
| Cash dividends to net income (ytd only)* | 58.3723% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 1,583 |
| Loan loss allowance to noncurrent loans | 56.0968% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.8083% | 2,586 |
| Noncurrent loans to loans | 4.1451% | 1,778 |
| Net loans and leases to total assets | 51.6739% | 6,141 |
| Net loans and leases to deposits | 73.1223% | 4,666 |
| Net loans and leases to core deposits | 117.6076% | 696 |
| Total domestic deposits to total assets | 70.6678% | 7,240 |
| Equity capital to assets | 13.1582% | 1,508 |
| Core capital (leverage) ratio | 13.4358% | 1,081 |
| Tier 1 risk-based capital ratio | 16.9742% | 2,348 |
| Total risk-based capital ratio | 18.2287% | 2,309 |
| Memoranda: | ||
| Average total assets | $136,400,000 | 4,180 |
| Average earning assets | $132,141,250 | 4,027 |
| Average equity | $17,987,000 | 3,474 |
| Average total loans | $78,714,250 | 4,444 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2921% | 3,504 |
| Cost of funding earning assets | 1.9245% | 1,134 |
| Net interest margin | 3.3675% | 5,766 |
| Noninterest income to average assets | 0.1180% | 7,012 |
| Noninterest expense to average assets | 1.8056% | 7,382 |
| Loan and lease loss provision to assets | 0.3871% | 3,398 |
| Net operating income to assets | 1.1216% | 1,779 |
| Return on assets (ROA) | 1.3988% | 1,158 |
| Pretax return on assets | 1.4745% | 1,629 |
| Return on Equity (ROE) | 10.5991% | 1,895 |
| Retained earnings to average equity (ytd only) | 2.5782% | 4,505 |
| Net charge-offs to loans | 0.9860% | 1,876 |
| Credit loss provision to net charge-offs | 65.9794% | 5,072 |
| Earnings coverage of net charge-offs (x) | 2.6753% | 3,660 |
| Efficiency ratio | 53.4946% | 6,933 |
| Assets per employee ($millions) | 9.1708% | 327 |
| Cash dividends to net income (ytd only)* | 75.6757% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3327% | 624 |
| Loan loss allowance to noncurrent loans | 97.4725% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 2.0231% | 3,470 |
| Noncurrent loans to loans | 3.4191% | 2,327 |
| Net loans and leases to total assets | 56.1085% | 5,685 |
| Net loans and leases to deposits | 80.1038% | 3,579 |
| Net loans and leases to core deposits | 113.2743% | 961 |
| Total domestic deposits to total assets | 70.0448% | 7,328 |
| Equity capital to assets | 13.5081% | 1,344 |
| Core capital (leverage) ratio | 13.6657% | 1,012 |
| Tier 1 risk-based capital ratio | 17.8093% | 2,006 |
| Total risk-based capital ratio | 19.0757% | 1,964 |
| Memoranda: | ||
| Average total assets | $132,252,330 | 4,292 |
| Average earning assets | $127,927,670 | 4,138 |
| Average equity | $17,454,330 | 3,556 |
| Average total loans | $78,704,330 | 4,485 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 4,469 |
| Cost of funding earning assets | 1.9435% | 1,266 |
| Net interest margin | 3.1690% | 6,385 |
| Noninterest income to average assets | 0.1574% | 6,842 |
| Noninterest expense to average assets | 1.8272% | 7,439 |
| Loan and lease loss provision to assets | 2.4599% | 432 |
| Net operating income to assets | -1.0648% | 7,146 |
| Return on assets (ROA) | -0.6975% | 6,981 |
| Pretax return on assets | -0.6975% | 6,897 |
| Return on Equity (ROE) | -5.3521% | 6,903 |
| Retained earnings to average equity (ytd only) | -17.7851% | 7,305 |
| Net charge-offs to loans | 1.8481% | 936 |
| Credit loss provision to net charge-offs | 220.7756% | 1,704 |
| Earnings coverage of net charge-offs (x) | 1.2521% | 4,005 |
| Efficiency ratio | 56.7050% | 6,668 |
| Assets per employee ($millions) | 8.3122% | 448 |
| Cash dividends to net income (ytd only)* | -232.3009% | 7,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2005% | 312 |
| Loan loss allowance to noncurrent loans | 66.4814% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 3.6919% | 1,894 |
| Noncurrent loans to loans | 6.3183% | 1,003 |
| Net loans and leases to total assets | 55.3728% | 5,833 |
| Net loans and leases to deposits | 81.3375% | 3,399 |
| Net loans and leases to core deposits | 115.8036% | 953 |
| Total domestic deposits to total assets | 68.0777% | 7,523 |
| Equity capital to assets | 12.6937% | 1,659 |
| Core capital (leverage) ratio | 12.8744% | 1,261 |
| Tier 1 risk-based capital ratio | 17.6835% | 2,027 |
| Total risk-based capital ratio | 18.9586% | 1,995 |
| Memoranda: | ||
| Average total assets | $129,597,500 | 4,420 |
| Average earning assets | $125,340,500 | 4,253 |
| Average equity | $16,890,500 | 3,676 |
| Average total loans | $78,134,000 | 4,577 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7610% | 2,816 |
| Cost of funding earning assets | 2.1548% | 2,214 |
| Net interest margin | 3.6062% | 4,529 |
| Noninterest income to average assets | 0.3519% | 5,581 |
| Noninterest expense to average assets | 1.9050% | 7,498 |
| Loan and lease loss provision to assets | 1.9437% | 1,133 |
| Net operating income to assets | -0.0347% | 5,557 |
| Return on assets (ROA) | 0.3535% | 4,405 |
| Pretax return on assets | 0.3725% | 4,574 |
| Return on Equity (ROE) | 2.4741% | 4,723 |
| Retained earnings to average equity (ytd only) | -3.3314% | 5,758 |
| Net charge-offs to loans | 0.8822% | 2,630 |
| Credit loss provision to net charge-offs | 318.1696% | 1,025 |
| Earnings coverage of net charge-offs (x) | 3.1225% | 3,498 |
| Efficiency ratio | 49.9677% | 7,541 |
| Assets per employee ($millions) | 8.4133% | 424 |
| Cash dividends to net income (ytd only)* | 234.6512% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5178% | 519 |
| Loan loss allowance to noncurrent loans | 39.8204% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 5.5998% | 1,042 |
| Noncurrent loans to loans | 8.8342% | 531 |
| Net loans and leases to total assets | 60.6997% | 5,231 |
| Net loans and leases to deposits | 92.5861% | 1,807 |
| Net loans and leases to core deposits | 173.1102% | 216 |
| Total domestic deposits to total assets | 65.5602% | 7,659 |
| Equity capital to assets | 13.3906% | 1,366 |
| Core capital (leverage) ratio | 14.6147% | 857 |
| Tier 1 risk-based capital ratio | 18.3119% | 1,810 |
| Total risk-based capital ratio | 19.5810% | 1,756 |
| Memoranda: | ||
| Average total assets | $121,625,400 | 4,520 |
| Average earning assets | $116,716,600 | 4,380 |
| Average equity | $17,380,000 | 3,597 |
| Average total loans | $84,223,800 | 4,378 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9415% | 2,271 |
| Cost of funding earning assets | 2.2265% | 2,288 |
| Net interest margin | 3.7150% | 4,009 |
| Noninterest income to average assets | 0.3763% | 5,498 |
| Noninterest expense to average assets | 1.9156% | 7,520 |
| Loan and lease loss provision to assets | 1.6290% | 1,153 |
| Net operating income to assets | 0.3597% | 4,555 |
| Return on assets (ROA) | 0.8189% | 2,798 |
| Pretax return on assets | 0.8964% | 3,237 |
| Return on Equity (ROE) | 5.6379% | 3,673 |
| Retained earnings to average equity (ytd only) | -0.4571% | 5,334 |
| Net charge-offs to loans | 0.4620% | 3,379 |
| Credit loss provision to net charge-offs | 497.2973% | 798 |
| Earnings coverage of net charge-offs (x) | 6.1689% | 2,654 |
| Efficiency ratio | 48.6646% | 7,637 |
| Assets per employee ($millions) | 8.0825% | 497 |
| Cash dividends to net income (ytd only)* | 108.1083% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8788% | 738 |
| Loan loss allowance to noncurrent loans | 86.8986% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 3.1616% | 2,152 |
| Noncurrent loans to loans | 3.3128% | 2,277 |
| Net loans and leases to total assets | 65.3376% | 4,568 |
| Net loans and leases to deposits | 98.4783% | 1,269 |
| Net loans and leases to core deposits | 190.1440% | 136 |
| Total domestic deposits to total assets | 66.3472% | 7,665 |
| Equity capital to assets | 14.9598% | 1,011 |
| Core capital (leverage) ratio | 15.1836% | 822 |
| Tier 1 risk-based capital ratio | 19.3458% | 1,676 |
| Total risk-based capital ratio | 20.6113% | 1,635 |
| Memoranda: | ||
| Average total assets | $120,481,750 | 4,582 |
| Average earning assets | $115,457,000 | 4,440 |
| Average equity | $17,500,250 | 3,613 |
| Average total loans | $85,430,750 | 4,384 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9699% | 2,300 |
| Cost of funding earning assets | 2.2834% | 2,433 |
| Net interest margin | 3.6865% | 4,010 |
| Noninterest income to average assets | 0.3044% | 6,086 |
| Noninterest expense to average assets | 1.7267% | 7,809 |
| Loan and lease loss provision to assets | 1.1628% | 1,481 |
| Net operating income to assets | 0.9034% | 2,445 |
| Return on assets (ROA) | 0.9681% | 2,318 |
| Pretax return on assets | 1.0147% | 2,949 |
| Return on Equity (ROE) | 6.7330% | 3,313 |
| Retained earnings to average equity (ytd only) | 1.5271% | 4,475 |
| Net charge-offs to loans | 0.4958% | 2,845 |
| Credit loss provision to net charge-offs | 325.1163% | 1,435 |
| Earnings coverage of net charge-offs (x) | 5.8977% | 2,734 |
| Efficiency ratio | 45.0130% | 7,891 |
| Assets per employee ($millions) | 8.8343% | 372 |
| Cash dividends to net income (ytd only)* | 77.3196% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 1,776 |
| Loan loss allowance to noncurrent loans | 63.6783% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 3.1218% | 2,013 |
| Noncurrent loans to loans | 2.9954% | 2,412 |
| Net loans and leases to total assets | 68.8147% | 3,990 |
| Net loans and leases to deposits | 100.8974% | 1,182 |
| Net loans and leases to core deposits | 196.7907% | 129 |
| Total domestic deposits to total assets | 68.2026% | 7,609 |
| Equity capital to assets | 14.3475% | 1,209 |
| Core capital (leverage) ratio | 15.5935% | 808 |
| Tier 1 risk-based capital ratio | 18.3505% | 1,914 |
| Total risk-based capital ratio | 19.6143% | 1,862 |
| Memoranda: | ||
| Average total assets | $120,229,670 | 4,629 |
| Average earning assets | $115,177,670 | 4,483 |
| Average equity | $17,288,000 | 3,665 |
| Average total loans | $86,720,330 | 4,370 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9233% | 2,681 |
| Cost of funding earning assets | 2.3940% | 2,319 |
| Net interest margin | 3.5293% | 4,618 |
| Noninterest income to average assets | 0.2869% | 6,145 |
| Noninterest expense to average assets | 1.7485% | 7,764 |
| Loan and lease loss provision to assets | 1.8565% | 660 |
| Net operating income to assets | 0.0608% | 6,093 |
| Return on assets (ROA) | 0.0608% | 6,251 |
| Pretax return on assets | 0.0608% | 6,253 |
| Return on Equity (ROE) | 0.4221% | 6,301 |
| Retained earnings to average equity (ytd only) | -8.3707% | 6,948 |
| Net charge-offs to loans | 0.9966% | 1,347 |
| Credit loss provision to net charge-offs | 254.6296% | 1,851 |
| Earnings coverage of net charge-offs (x) | 2.6296% | 3,442 |
| Efficiency ratio | 47.6980% | 7,745 |
| Assets per employee ($millions) | 8.1084% | 485 |
| Cash dividends to net income (ytd only)* | 2,083.3333% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7195% | 2,076 |
| Loan loss allowance to noncurrent loans | 50.4013% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 3.4154% | 1,585 |
| Noncurrent loans to loans | 3.4116% | 1,873 |
| Net loans and leases to total assets | 70.8196% | 3,514 |
| Net loans and leases to deposits | 99.6817% | 1,453 |
| Net loans and leases to core deposits | 204.1114% | 132 |
| Total domestic deposits to total assets | 71.0457% | 7,326 |
| Equity capital to assets | 13.9945% | 1,367 |
| Core capital (leverage) ratio | 15.1961% | 923 |
| Tier 1 risk-based capital ratio | 18.0999% | 2,024 |
| Total risk-based capital ratio | 19.1482% | 2,026 |
| Memoranda: | ||
| Average total assets | $118,504,500 | 4,693 |
| Average earning assets | $113,451,000 | 4,547 |
| Average equity | $17,059,500 | 3,722 |
| Average total loans | $86,698,000 | 4,404 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3123% | 3,900 |
| Cost of funding earning assets | 2.9553% | 2,040 |
| Net interest margin | 3.3570% | 5,838 |
| Noninterest income to average assets | 0.3826% | 5,613 |
| Noninterest expense to average assets | 1.6221% | 7,945 |
| Loan and lease loss provision to assets | 0.3970% | 3,308 |
| Net operating income to assets | 1.4988% | 1,017 |
| Return on assets (ROA) | 1.4988% | 982 |
| Pretax return on assets | 1.5762% | 1,457 |
| Return on Equity (ROE) | 9.3947% | 2,474 |
| Retained earnings to average equity (ytd only) | 6.2067% | 1,432 |
| Net charge-offs to loans | 1.0587% | 1,161 |
| Credit loss provision to net charge-offs | 50.9238% | 6,344 |
| Earnings coverage of net charge-offs (x) | 2.5312% | 4,810 |
| Efficiency ratio | 45.1177% | 7,968 |
| Assets per employee ($millions) | 8.2416% | 434 |
| Cash dividends to net income (ytd only)* | 33.9339% | 3,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 3,379 |
| Loan loss allowance to noncurrent loans | 330.1408% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 6,253 |
| Noncurrent loans to loans | 0.4140% | 6,100 |
| Net loans and leases to total assets | 73.3054% | 3,284 |
| Net loans and leases to deposits | 106.0949% | 1,114 |
| Net loans and leases to core deposits | 192.4943% | 203 |
| Total domestic deposits to total assets | 69.0942% | 7,373 |
| Equity capital to assets | 14.8185% | 1,211 |
| Core capital (leverage) ratio | 16.7840% | 726 |
| Tier 1 risk-based capital ratio | 19.1279% | 1,785 |
| Total risk-based capital ratio | 20.3183% | 1,753 |
| Memoranda: | ||
| Average total assets | $111,089,400 | 4,746 |
| Average earning assets | $106,315,800 | 4,608 |
| Average equity | $17,722,800 | 3,606 |
| Average total loans | $81,798,800 | 4,458 |