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 | 5.8542% | 771 |
| Cost of funding earning assets | 1.5528% | 1,804 |
| Net interest margin | 4.3014% | 809 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.6291% | 1,928 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.8777% | 543 |
| Return on assets (ROA) | 1.8777% | 526 |
| Pretax return on assets | 1.9968% | 680 |
| Return on Equity (ROE) | 21.8700% | 466 |
| Retained earnings to average equity (ytd only) | 13.5075% | 445 |
| Net charge-offs to loans | 0.0310% | 1,679 |
| Credit loss provision to net charge-offs | 189.1892% | 1,265 |
| Earnings coverage of net charge-offs (x) | 103.7297% | 885 |
| Efficiency ratio | 56.3831% | 3,461 |
| Assets per employee ($millions) | 7.0198% | 2,058 |
| Cash dividends to net income (ytd only)* | 38.2314% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 1,430 |
| Loan loss allowance to noncurrent loans | 1,377.5401% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 2,513 |
| Noncurrent loans to loans | 0.1006% | 3,037 |
| Net loans and leases to total assets | 63.6600% | 2,493 |
| Net loans and leases to deposits | 70.8002% | 2,831 |
| Net loans and leases to core deposits | 81.9435% | 2,585 |
| Total domestic deposits to total assets | 89.9200% | 775 |
| Equity capital to assets | 9.1949% | 2,549 |
| Core capital (leverage) ratio | 10.2498% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $566,117,600 | 1,563 |
| Average earning assets | $535,101,400 | 1,533 |
| Average equity | $48,610,200 | 1,644 |
| Average total loans | $358,467,400 | 1,583 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6393% | 864 |
| Cost of funding earning assets | 1.3786% | 1,920 |
| Net interest margin | 4.2607% | 850 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.4169% | 2,475 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.0458% | 474 |
| Return on assets (ROA) | 2.0458% | 465 |
| Pretax return on assets | 2.1976% | 557 |
| Return on Equity (ROE) | 24.2600% | 418 |
| Retained earnings to average equity (ytd only) | 13.8770% | 688 |
| Net charge-offs to loans | 0.0390% | 1,333 |
| Credit loss provision to net charge-offs | 148.0769% | 1,332 |
| Earnings coverage of net charge-offs (x) | 91.0192% | 968 |
| Efficiency ratio | 51.9126% | 3,761 |
| Assets per employee ($millions) | 7.1548% | 1,845 |
| Cash dividends to net income (ytd only)* | 42.8092% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 1,393 |
| Loan loss allowance to noncurrent loans | 15,946.8750% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 2,972 |
| Noncurrent loans to loans | 0.0089% | 3,740 |
| Net loans and leases to total assets | 61.3500% | 2,721 |
| Net loans and leases to deposits | 67.6538% | 3,003 |
| Net loans and leases to core deposits | 73.3331% | 3,032 |
| Total domestic deposits to total assets | 90.6800% | 749 |
| Equity capital to assets | 8.3930% | 2,799 |
| Core capital (leverage) ratio | 9.9859% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $563,740,750 | 1,570 |
| Average earning assets | $533,854,750 | 1,543 |
| Average equity | $47,530,750 | 1,658 |
| Average total loans | $355,182,750 | 1,592 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 908 |
| Cost of funding earning assets | 1.2210% | 1,923 |
| Net interest margin | 4.2230% | 904 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.2966% | 2,819 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 2.0903% | 412 |
| Return on assets (ROA) | 2.0903% | 406 |
| Pretax return on assets | 2.2490% | 502 |
| Return on Equity (ROE) | 24.7500% | 396 |
| Retained earnings to average equity (ytd only) | 14.0117% | 674 |
| Net charge-offs to loans | 0.0374% | 1,161 |
| Credit loss provision to net charge-offs | 156.0606% | 1,176 |
| Earnings coverage of net charge-offs (x) | 96.7121% | 956 |
| Efficiency ratio | 50.1172% | 3,920 |
| Assets per employee ($millions) | 7.3270% | 1,708 |
| Cash dividends to net income (ytd only)* | 43.3956% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,370 |
| Loan loss allowance to noncurrent loans | 6,207.3171% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 2,836 |
| Noncurrent loans to loans | 0.0233% | 3,592 |
| Net loans and leases to total assets | 59.9500% | 2,772 |
| Net loans and leases to deposits | 66.1275% | 3,050 |
| Net loans and leases to core deposits | 71.0908% | 3,059 |
| Total domestic deposits to total assets | 90.6600% | 744 |
| Equity capital to assets | 8.3839% | 2,964 |
| Core capital (leverage) ratio | 9.9797% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $558,474,000 | 1,582 |
| Average earning assets | $528,440,333 | 1,559 |
| Average equity | $47,160,667 | 1,671 |
| Average total loans | $353,361,667 | 1,589 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 837 |
| Cost of funding earning assets | 0.9994% | 2,049 |
| Net interest margin | 4.2933% | 814 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.3513% | 2,664 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 2.2419% | 346 |
| Return on assets (ROA) | 2.2419% | 344 |
| Pretax return on assets | 2.3900% | 418 |
| Return on Equity (ROE) | 26.4500% | 340 |
| Retained earnings to average equity (ytd only) | 19.9154% | 385 |
| Net charge-offs to loans | 0.0147% | 1,404 |
| Credit loss provision to net charge-offs | 215.3846% | 796 |
| Earnings coverage of net charge-offs (x) | 254.1538% | 421 |
| Efficiency ratio | 49.3795% | 3,989 |
| Assets per employee ($millions) | 7.0488% | 1,945 |
| Cash dividends to net income (ytd only)* | 24.6990% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 1,516 |
| Loan loss allowance to noncurrent loans | 506,800.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,954 |
| Noncurrent loans to loans | 0.0003% | 3,884 |
| Net loans and leases to total assets | 62.9600% | 2,363 |
| Net loans and leases to deposits | 69.5204% | 2,654 |
| Net loans and leases to core deposits | 74.4940% | 2,641 |
| Total domestic deposits to total assets | 90.5600% | 958 |
| Equity capital to assets | 8.6324% | 2,799 |
| Core capital (leverage) ratio | 9.9807% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $548,293,000 | 1,631 |
| Average earning assets | $521,089,500 | 1,593 |
| Average equity | $46,476,500 | 1,700 |
| Average total loans | $353,989,500 | 1,601 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 569 |
| Cost of funding earning assets | 0.3995% | 2,108 |
| Net interest margin | 4.2405% | 485 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.4870% | 2,162 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.9145% | 345 |
| Return on assets (ROA) | 1.9145% | 335 |
| Pretax return on assets | 2.0402% | 435 |
| Return on Equity (ROE) | 22.0100% | 337 |
| Retained earnings to average equity (ytd only) | 12.8516% | 530 |
| Net charge-offs to loans | 0.0668% | 980 |
| Credit loss provision to net charge-offs | 417.0507% | 757 |
| Earnings coverage of net charge-offs (x) | 51.7097% | 1,334 |
| Efficiency ratio | 52.8450% | 3,903 |
| Assets per employee ($millions) | 7.0095% | 1,972 |
| Cash dividends to net income (ytd only)* | 41.6219% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,391 |
| Loan loss allowance to noncurrent loans | 252,650.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,968 |
| Noncurrent loans to loans | 0.0006% | 3,903 |
| Net loans and leases to total assets | 64.3400% | 2,217 |
| Net loans and leases to deposits | 70.8036% | 2,512 |
| Net loans and leases to core deposits | 75.7924% | 2,435 |
| Total domestic deposits to total assets | 90.8800% | 999 |
| Equity capital to assets | 8.3158% | 2,837 |
| Core capital (leverage) ratio | 9.8627% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $505,624,800 | 1,707 |
| Average earning assets | $480,366,600 | 1,677 |
| Average equity | $43,971,200 | 1,785 |
| Average total loans | $324,969,600 | 1,622 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 551 |
| Cost of funding earning assets | 0.2618% | 2,581 |
| Net interest margin | 4.1658% | 454 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.4845% | 2,059 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.8992% | 347 |
| Return on assets (ROA) | 1.8992% | 341 |
| Pretax return on assets | 2.0234% | 444 |
| Return on Equity (ROE) | 21.5800% | 317 |
| Retained earnings to average equity (ytd only) | 10.3907% | 1,227 |
| Net charge-offs to loans | 0.0549% | 936 |
| Credit loss provision to net charge-offs | 474.8092% | 632 |
| Earnings coverage of net charge-offs (x) | 62.3359% | 1,154 |
| Efficiency ratio | 53.1471% | 3,899 |
| Assets per employee ($millions) | 6.8621% | 2,051 |
| Cash dividends to net income (ytd only)* | 51.8571% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,559 |
| Loan loss allowance to noncurrent loans | 7,356.0606% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,313 |
| Noncurrent loans to loans | 0.0192% | 3,784 |
| Net loans and leases to total assets | 64.0100% | 2,084 |
| Net loans and leases to deposits | 70.0733% | 2,354 |
| Net loans and leases to core deposits | 74.7614% | 2,294 |
| Total domestic deposits to total assets | 91.3500% | 1,103 |
| Equity capital to assets | 7.7103% | 3,083 |
| Core capital (leverage) ratio | 10.0377% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $497,098,750 | 1,734 |
| Average earning assets | $472,050,500 | 1,702 |
| Average equity | $43,743,250 | 1,824 |
| Average total loans | $318,128,500 | 1,643 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 496 |
| Cost of funding earning assets | 0.2384% | 2,414 |
| Net interest margin | 4.1007% | 401 |
| Noninterest income to average assets | 0.7973% | 1,051 |
| Noninterest expense to average assets | 2.4596% | 2,055 |
| Loan and lease loss provision to assets | 0.1603% | 583 |
| Net operating income to assets | 1.9220% | 260 |
| Return on assets (ROA) | 1.9220% | 260 |
| Pretax return on assets | 2.0585% | 334 |
| Return on Equity (ROE) | 20.9054% | 251 |
| Retained earnings to average equity (ytd only) | 8.2245% | 1,539 |
| Net charge-offs to loans | 0.0491% | 904 |
| Credit loss provision to net charge-offs | 513.1579% | 620 |
| Earnings coverage of net charge-offs (x) | 71.0395% | 998 |
| Efficiency ratio | 52.5738% | 4,083 |
| Assets per employee ($millions) | 6.7627% | 2,105 |
| Cash dividends to net income (ytd only)* | 60.6585% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,546 |
| Loan loss allowance to noncurrent loans | 3,743.2000% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,234 |
| Noncurrent loans to loans | 0.0388% | 3,655 |
| Net loans and leases to total assets | 64.2700% | 1,882 |
| Net loans and leases to deposits | 71.2195% | 2,091 |
| Net loans and leases to core deposits | 77.6576% | 1,880 |
| Total domestic deposits to total assets | 90.2421% | 1,613 |
| Equity capital to assets | 8.5965% | 2,693 |
| Core capital (leverage) ratio | 9.9977% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $486,670,333 | 1,776 |
| Average earning assets | $460,604,667 | 1,749 |
| Average equity | $44,744,333 | 1,841 |
| Average total loans | $309,813,000 | 1,671 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 455 |
| Cost of funding earning assets | 0.2368% | 2,300 |
| Net interest margin | 4.0454% | 379 |
| Noninterest income to average assets | 0.9612% | 736 |
| Noninterest expense to average assets | 2.5548% | 1,736 |
| Loan and lease loss provision to assets | 0.2293% | 301 |
| Net operating income to assets | 1.8975% | 273 |
| Return on assets (ROA) | 1.8975% | 273 |
| Pretax return on assets | 2.0101% | 345 |
| Return on Equity (ROE) | 19.9752% | 233 |
| Retained earnings to average equity (ytd only) | 10.5279% | 898 |
| Net charge-offs to loans | 0.0737% | 624 |
| Credit loss provision to net charge-offs | 494.6429% | 526 |
| Earnings coverage of net charge-offs (x) | 48.3036% | 934 |
| Efficiency ratio | 53.2896% | 4,102 |
| Assets per employee ($millions) | 6.5569% | 2,337 |
| Cash dividends to net income (ytd only)* | 47.2949% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,572 |
| Loan loss allowance to noncurrent loans | 1,959.8291% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,543 |
| Noncurrent loans to loans | 0.0761% | 3,462 |
| Net loans and leases to total assets | 62.4162% | 1,804 |
| Net loans and leases to deposits | 69.3698% | 2,026 |
| Net loans and leases to core deposits | 76.1258% | 1,775 |
| Total domestic deposits to total assets | 89.9761% | 1,575 |
| Equity capital to assets | 9.0742% | 2,649 |
| Core capital (leverage) ratio | 9.9847% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $483,165,500 | 1,788 |
| Average earning assets | $457,803,500 | 1,761 |
| Average equity | $45,897,000 | 1,856 |
| Average total loans | $303,736,000 | 1,689 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 1,055 |
| Cost of funding earning assets | 0.2591% | 2,821 |
| Net interest margin | 3.9081% | 843 |
| Noninterest income to average assets | 0.6846% | 1,815 |
| Noninterest expense to average assets | 2.4834% | 2,233 |
| Loan and lease loss provision to assets | 0.1052% | 1,200 |
| Net operating income to assets | 1.6796% | 664 |
| Return on assets (ROA) | 1.6796% | 692 |
| Pretax return on assets | 1.7893% | 938 |
| Return on Equity (ROE) | 17.0314% | 588 |
| Retained earnings to average equity (ytd only) | 11.8743% | 549 |
| Net charge-offs to loans | 0.0388% | 1,482 |
| Credit loss provision to net charge-offs | 442.9907% | 865 |
| Earnings coverage of net charge-offs (x) | 79.7570% | 1,000 |
| Efficiency ratio | 56.7263% | 3,615 |
| Assets per employee ($millions) | 6.5907% | 2,248 |
| Cash dividends to net income (ytd only)* | 30.2802% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,713 |
| Loan loss allowance to noncurrent loans | 9,093.7500% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,412 |
| Noncurrent loans to loans | 0.0160% | 3,968 |
| Net loans and leases to total assets | 61.4547% | 2,011 |
| Net loans and leases to deposits | 68.9741% | 2,224 |
| Net loans and leases to core deposits | 76.1488% | 1,911 |
| Total domestic deposits to total assets | 89.0982% | 1,457 |
| Equity capital to assets | 9.9278% | 2,730 |
| Core capital (leverage) ratio | 9.9057% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,466,400 | 1,837 |
| Average earning assets | $425,706,600 | 1,820 |
| Average equity | $44,423,800 | 1,937 |
| Average total loans | $275,851,200 | 1,811 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 1,122 |
| Cost of funding earning assets | 0.2692% | 2,907 |
| Net interest margin | 3.9247% | 894 |
| Noninterest income to average assets | 0.6534% | 1,993 |
| Noninterest expense to average assets | 2.4383% | 2,313 |
| Loan and lease loss provision to assets | 0.0910% | 1,315 |
| Net operating income to assets | 1.7172% | 800 |
| Return on assets (ROA) | 1.7172% | 837 |
| Pretax return on assets | 1.8286% | 1,096 |
| Return on Equity (ROE) | 17.4445% | 698 |
| Retained earnings to average equity (ytd only) | 10.5254% | 1,168 |
| Net charge-offs to loans | 0.0217% | 1,613 |
| Credit loss provision to net charge-offs | 686.3636% | 651 |
| Earnings coverage of net charge-offs (x) | 144.8864% | 694 |
| Efficiency ratio | 55.9525% | 3,538 |
| Assets per employee ($millions) | 6.4891% | 2,255 |
| Cash dividends to net income (ytd only)* | 39.6633% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5427% | 1,479 |
| Loan loss allowance to noncurrent loans | 18,508.6957% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,632 |
| Noncurrent loans to loans | 0.0083% | 4,148 |
| Net loans and leases to total assets | 57.3527% | 2,579 |
| Net loans and leases to deposits | 64.1577% | 2,835 |
| Net loans and leases to core deposits | 70.9167% | 2,519 |
| Total domestic deposits to total assets | 89.3934% | 1,075 |
| Equity capital to assets | 9.5999% | 3,288 |
| Core capital (leverage) ratio | 9.5665% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,802,500 | 1,879 |
| Average earning assets | $417,963,000 | 1,860 |
| Average equity | $43,588,500 | 1,986 |
| Average total loans | $269,804,750 | 1,870 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 1,153 |
| Cost of funding earning assets | 0.2804% | 2,972 |
| Net interest margin | 3.9380% | 912 |
| Noninterest income to average assets | 0.6442% | 2,022 |
| Noninterest expense to average assets | 2.4139% | 2,417 |
| Loan and lease loss provision to assets | 0.1008% | 1,256 |
| Net operating income to assets | 1.7156% | 846 |
| Return on assets (ROA) | 1.7156% | 897 |
| Pretax return on assets | 1.8372% | 1,149 |
| Return on Equity (ROE) | 17.2720% | 743 |
| Retained earnings to average equity (ytd only) | 9.1062% | 1,680 |
| Net charge-offs to loans | 0.0157% | 1,634 |
| Credit loss provision to net charge-offs | 1,038.0952% | 459 |
| Earnings coverage of net charge-offs (x) | 199.5714% | 497 |
| Efficiency ratio | 55.4670% | 3,607 |
| Assets per employee ($millions) | 6.1981% | 2,429 |
| Cash dividends to net income (ytd only)* | 47.2776% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,568 |
| Loan loss allowance to noncurrent loans | 15,537.0370% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 3,707 |
| Noncurrent loans to loans | 0.0097% | 4,193 |
| Net loans and leases to total assets | 59.7587% | 2,455 |
| Net loans and leases to deposits | 66.8831% | 2,736 |
| Net loans and leases to core deposits | 74.1177% | 2,402 |
| Total domestic deposits to total assets | 89.3480% | 1,114 |
| Equity capital to assets | 9.6073% | 3,244 |
| Core capital (leverage) ratio | 9.7046% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,502,000 | 1,901 |
| Average earning assets | $407,215,000 | 1,890 |
| Average equity | $42,959,667 | 1,999 |
| Average total loans | $267,760,000 | 1,887 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 1,160 |
| Cost of funding earning assets | 0.3032% | 2,956 |
| Net interest margin | 3.9184% | 953 |
| Noninterest income to average assets | 0.6571% | 1,999 |
| Noninterest expense to average assets | 2.4367% | 2,370 |
| Loan and lease loss provision to assets | 0.1335% | 1,017 |
| Net operating income to assets | 1.6756% | 980 |
| Return on assets (ROA) | 1.6756% | 1,027 |
| Pretax return on assets | 1.7720% | 1,348 |
| Return on Equity (ROE) | 16.5727% | 916 |
| Retained earnings to average equity (ytd only) | 9.2060% | 1,887 |
| Net charge-offs to loans | 0.0061% | 1,681 |
| Credit loss provision to net charge-offs | 3,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 499.5000% | 190 |
| Efficiency ratio | 56.1168% | 3,533 |
| Assets per employee ($millions) | 6.3859% | 2,264 |
| Cash dividends to net income (ytd only)* | 44.4508% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,474 |
| Loan loss allowance to noncurrent loans | 17,225.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,822 |
| Noncurrent loans to loans | 0.0089% | 4,273 |
| Net loans and leases to total assets | 60.9984% | 2,404 |
| Net loans and leases to deposits | 68.5413% | 2,646 |
| Net loans and leases to core deposits | 75.5576% | 2,388 |
| Total domestic deposits to total assets | 88.9951% | 1,346 |
| Equity capital to assets | 9.9396% | 2,760 |
| Core capital (leverage) ratio | 9.9650% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,421,500 | 1,934 |
| Average earning assets | $394,442,500 | 1,922 |
| Average equity | $42,407,000 | 2,009 |
| Average total loans | $262,497,000 | 1,908 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 1,011 |
| Cost of funding earning assets | 0.5771% | 2,470 |
| Net interest margin | 4.0646% | 845 |
| Noninterest income to average assets | 0.6652% | 1,969 |
| Noninterest expense to average assets | 2.5874% | 2,592 |
| Loan and lease loss provision to assets | 0.1473% | 2,534 |
| Net operating income to assets | 1.6151% | 619 |
| Return on assets (ROA) | 1.6151% | 672 |
| Pretax return on assets | 1.7246% | 810 |
| Return on Equity (ROE) | 15.2005% | 610 |
| Retained earnings to average equity (ytd only) | 8.8786% | 800 |
| Net charge-offs to loans | 0.0189% | 2,692 |
| Credit loss provision to net charge-offs | 1,211.1111% | 680 |
| Earnings coverage of net charge-offs (x) | 153.8889% | 559 |
| Efficiency ratio | 58.0227% | 3,721 |
| Assets per employee ($millions) | 5.6986% | 2,627 |
| Cash dividends to net income (ytd only)* | 41.5900% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 1,392 |
| Loan loss allowance to noncurrent loans | 4,298.9247% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 3,695 |
| Noncurrent loans to loans | 0.0363% | 4,161 |
| Net loans and leases to total assets | 62.2790% | 2,572 |
| Net loans and leases to deposits | 70.2412% | 2,858 |
| Net loans and leases to core deposits | 78.0316% | 2,545 |
| Total domestic deposits to total assets | 88.6644% | 1,135 |
| Equity capital to assets | 10.2946% | 2,843 |
| Core capital (leverage) ratio | 10.0279% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,949,600 | 1,957 |
| Average earning assets | $345,325,000 | 1,953 |
| Average equity | $39,307,800 | 2,041 |
| Average total loans | $237,553,400 | 1,985 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 1,110 |
| Cost of funding earning assets | 0.6491% | 2,328 |
| Net interest margin | 4.0294% | 1,053 |
| Noninterest income to average assets | 0.6351% | 2,051 |
| Noninterest expense to average assets | 2.5833% | 2,587 |
| Loan and lease loss provision to assets | 0.1470% | 2,549 |
| Net operating income to assets | 1.5533% | 803 |
| Return on assets (ROA) | 1.5533% | 880 |
| Pretax return on assets | 1.6640% | 1,037 |
| Return on Equity (ROE) | 14.4928% | 796 |
| Retained earnings to average equity (ytd only) | 7.0346% | 1,673 |
| Net charge-offs to loans | 0.0143% | 2,606 |
| Credit loss provision to net charge-offs | 1,592.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 196.2800% | 499 |
| Efficiency ratio | 58.7889% | 3,555 |
| Assets per employee ($millions) | 5.8205% | 2,427 |
| Cash dividends to net income (ytd only)* | 51.4612% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,236 |
| Loan loss allowance to noncurrent loans | 2,954.9618% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 3,760 |
| Noncurrent loans to loans | 0.0524% | 4,161 |
| Net loans and leases to total assets | 63.0846% | 2,876 |
| Net loans and leases to deposits | 71.2604% | 3,200 |
| Net loans and leases to core deposits | 79.4323% | 2,894 |
| Total domestic deposits to total assets | 88.5269% | 964 |
| Equity capital to assets | 10.3387% | 2,929 |
| Core capital (leverage) ratio | 9.8999% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,286,500 | 1,973 |
| Average earning assets | $337,048,750 | 1,970 |
| Average equity | $38,721,750 | 2,057 |
| Average total loans | $232,946,750 | 2,016 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8141% | 1,137 |
| Cost of funding earning assets | 0.7512% | 2,113 |
| Net interest margin | 4.0630% | 1,191 |
| Noninterest income to average assets | 0.6306% | 2,012 |
| Noninterest expense to average assets | 2.5867% | 2,708 |
| Loan and lease loss provision to assets | 0.1905% | 2,120 |
| Net operating income to assets | 1.5228% | 885 |
| Return on assets (ROA) | 1.5228% | 960 |
| Pretax return on assets | 1.6365% | 1,137 |
| Return on Equity (ROE) | 14.0247% | 887 |
| Retained earnings to average equity (ytd only) | 4.7605% | 2,581 |
| Net charge-offs to loans | 0.0273% | 2,176 |
| Credit loss provision to net charge-offs | 1,080.6452% | 752 |
| Earnings coverage of net charge-offs (x) | 103.6452% | 686 |
| Efficiency ratio | 58.6060% | 3,608 |
| Assets per employee ($millions) | 5.6681% | 2,472 |
| Cash dividends to net income (ytd only)* | 66.0568% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 1,127 |
| Loan loss allowance to noncurrent loans | 3,960.4167% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 3,886 |
| Noncurrent loans to loans | 0.0391% | 4,324 |
| Net loans and leases to total assets | 62.6867% | 3,052 |
| Net loans and leases to deposits | 70.6972% | 3,370 |
| Net loans and leases to core deposits | 79.1286% | 3,019 |
| Total domestic deposits to total assets | 88.6692% | 880 |
| Equity capital to assets | 10.1773% | 3,040 |
| Core capital (leverage) ratio | 10.3459% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,724,333 | 1,991 |
| Average earning assets | $327,493,333 | 1,985 |
| Average equity | $38,189,667 | 2,074 |
| Average total loans | $227,301,000 | 2,031 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,100 |
| Cost of funding earning assets | 0.8723% | 2,001 |
| Net interest margin | 4.0629% | 1,217 |
| Noninterest income to average assets | 0.6522% | 1,825 |
| Noninterest expense to average assets | 2.6948% | 2,717 |
| Loan and lease loss provision to assets | 0.0908% | 2,550 |
| Net operating income to assets | 1.5469% | 703 |
| Return on assets (ROA) | 1.5469% | 772 |
| Pretax return on assets | 1.6556% | 935 |
| Return on Equity (ROE) | 13.7504% | 748 |
| Retained earnings to average equity (ytd only) | 3.2385% | 2,983 |
| Net charge-offs to loans | 0.0825% | 1,209 |
| Credit loss provision to net charge-offs | 168.8889% | 1,519 |
| Earnings coverage of net charge-offs (x) | 32.4889% | 1,131 |
| Efficiency ratio | 60.6778% | 3,655 |
| Assets per employee ($millions) | 5.1362% | 2,490 |
| Cash dividends to net income (ytd only)* | 76.4479% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 1,102 |
| Loan loss allowance to noncurrent loans | 6,919.6078% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,426 |
| Noncurrent loans to loans | 0.0229% | 4,479 |
| Net loans and leases to total assets | 64.5357% | 3,000 |
| Net loans and leases to deposits | 73.7666% | 3,294 |
| Net loans and leases to core deposits | 89.8916% | 2,355 |
| Total domestic deposits to total assets | 87.4864% | 1,342 |
| Equity capital to assets | 11.2640% | 2,626 |
| Core capital (leverage) ratio | 11.0661% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,872,500 | 2,020 |
| Average earning assets | $312,290,000 | 2,014 |
| Average equity | $37,671,500 | 2,083 |
| Average total loans | $218,244,500 | 2,059 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 1,301 |
| Cost of funding earning assets | 0.9157% | 2,132 |
| Net interest margin | 4.1497% | 1,426 |
| Noninterest income to average assets | 1.1186% | 758 |
| Noninterest expense to average assets | 2.9179% | 2,236 |
| Loan and lease loss provision to assets | 0.2732% | 659 |
| Net operating income to assets | 1.6824% | 686 |
| Return on assets (ROA) | 1.6824% | 734 |
| Pretax return on assets | 1.7838% | 980 |
| Return on Equity (ROE) | 15.4669% | 611 |
| Retained earnings to average equity (ytd only) | 8.4048% | 852 |
| Net charge-offs to loans | 0.1806% | 1,113 |
| Credit loss provision to net charge-offs | 234.3085% | 1,146 |
| Earnings coverage of net charge-offs (x) | 17.6410% | 2,096 |
| Efficiency ratio | 58.6523% | 3,885 |
| Assets per employee ($millions) | 4.5938% | 3,091 |
| Cash dividends to net income (ytd only)* | 45.6590% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 909 |
| Loan loss allowance to noncurrent loans | 7,442.5532% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 4,454 |
| Noncurrent loans to loans | 0.0219% | 4,482 |
| Net loans and leases to total assets | 63.7004% | 3,241 |
| Net loans and leases to deposits | 72.7486% | 3,455 |
| Net loans and leases to core deposits | 85.3767% | 2,840 |
| Total domestic deposits to total assets | 87.5623% | 1,336 |
| Equity capital to assets | 11.2347% | 2,778 |
| Core capital (leverage) ratio | 11.2674% | 2,276 |
| Tier 1 risk-based capital ratio | 16.1106% | 2,367 |
| Total risk-based capital ratio | 17.3643% | 2,312 |
| Memoranda: | ||
| Average total assets | $322,458,000 | 2,022 |
| Average earning assets | $299,657,000 | 2,029 |
| Average equity | $35,075,000 | 2,134 |
| Average total loans | $208,243,600 | 2,101 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0679% | 1,363 |
| Cost of funding earning assets | 0.9162% | 2,157 |
| Net interest margin | 4.1518% | 1,497 |
| Noninterest income to average assets | 0.8552% | 1,254 |
| Noninterest expense to average assets | 2.8365% | 2,451 |
| Loan and lease loss provision to assets | 0.1436% | 1,338 |
| Net operating income to assets | 1.6018% | 931 |
| Return on assets (ROA) | 1.6018% | 970 |
| Pretax return on assets | 1.7204% | 1,285 |
| Return on Equity (ROE) | 14.8517% | 807 |
| Retained earnings to average equity (ytd only) | 6.1005% | 2,324 |
| Net charge-offs to loans | 0.2444% | 727 |
| Credit loss provision to net charge-offs | 91.0290% | 2,383 |
| Earnings coverage of net charge-offs (x) | 11.8180% | 2,412 |
| Efficiency ratio | 60.3453% | 3,575 |
| Assets per employee ($millions) | 4.6239% | 3,012 |
| Cash dividends to net income (ytd only)* | 58.9243% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 1,700 |
| Loan loss allowance to noncurrent loans | 2,012.9252% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 4,486 |
| Noncurrent loans to loans | 0.0679% | 4,334 |
| Net loans and leases to total assets | 65.0561% | 3,172 |
| Net loans and leases to deposits | 74.0603% | 3,467 |
| Net loans and leases to core deposits | 87.3465% | 2,797 |
| Total domestic deposits to total assets | 87.8421% | 1,107 |
| Equity capital to assets | 10.9169% | 3,175 |
| Core capital (leverage) ratio | 10.8720% | 2,771 |
| Tier 1 risk-based capital ratio | 15.9203% | 2,467 |
| Total risk-based capital ratio | 17.1711% | 2,400 |
| Memoranda: | ||
| Average total assets | $320,384,250 | 2,048 |
| Average earning assets | $296,734,000 | 2,056 |
| Average equity | $34,554,000 | 2,174 |
| Average total loans | $206,757,250 | 2,132 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 1,415 |
| Cost of funding earning assets | 0.9034% | 2,125 |
| Net interest margin | 4.1212% | 1,547 |
| Noninterest income to average assets | 0.9523% | 970 |
| Noninterest expense to average assets | 2.7846% | 2,644 |
| Loan and lease loss provision to assets | 0.1895% | 933 |
| Net operating income to assets | 1.6869% | 742 |
| Return on assets (ROA) | 1.6869% | 772 |
| Pretax return on assets | 1.8002% | 1,029 |
| Return on Equity (ROE) | 15.7068% | 640 |
| Retained earnings to average equity (ytd only) | 4.8000% | 2,868 |
| Net charge-offs to loans | 0.3155% | 547 |
| Credit loss provision to net charge-offs | 93.7695% | 2,089 |
| Earnings coverage of net charge-offs (x) | 9.8474% | 2,309 |
| Efficiency ratio | 58.3256% | 3,970 |
| Assets per employee ($millions) | 4.7455% | 2,810 |
| Cash dividends to net income (ytd only)* | 69.4403% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 1,510 |
| Loan loss allowance to noncurrent loans | 2,914.7059% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,614 |
| Noncurrent loans to loans | 0.0489% | 4,468 |
| Net loans and leases to total assets | 63.6961% | 3,371 |
| Net loans and leases to deposits | 72.3786% | 3,654 |
| Net loans and leases to core deposits | 89.4544% | 2,643 |
| Total domestic deposits to total assets | 88.0041% | 1,099 |
| Equity capital to assets | 10.8524% | 3,224 |
| Core capital (leverage) ratio | 10.7835% | 2,805 |
| Tier 1 risk-based capital ratio | 15.4112% | 2,656 |
| Total risk-based capital ratio | 16.6621% | 2,585 |
| Memoranda: | ||
| Average total assets | $317,746,330 | 2,063 |
| Average earning assets | $294,673,670 | 2,073 |
| Average equity | $34,125,330 | 2,187 |
| Average total loans | $203,497,330 | 2,162 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 1,538 |
| Cost of funding earning assets | 0.8711% | 2,146 |
| Net interest margin | 4.0511% | 1,682 |
| Noninterest income to average assets | 1.1977% | 565 |
| Noninterest expense to average assets | 2.8039% | 2,553 |
| Loan and lease loss provision to assets | 0.3273% | 376 |
| Net operating income to assets | 1.7166% | 706 |
| Return on assets (ROA) | 1.7166% | 732 |
| Pretax return on assets | 1.8308% | 913 |
| Return on Equity (ROE) | 16.0698% | 582 |
| Retained earnings to average equity (ytd only) | 3.7413% | 3,426 |
| Net charge-offs to loans | 0.5055% | 297 |
| Credit loss provision to net charge-offs | 101.5748% | 1,555 |
| Earnings coverage of net charge-offs (x) | 6.6969% | 2,177 |
| Efficiency ratio | 56.5073% | 4,267 |
| Assets per employee ($millions) | 4.7350% | 2,869 |
| Cash dividends to net income (ytd only)* | 76.7184% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,436 |
| Loan loss allowance to noncurrent loans | 2,855.2381% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 4,621 |
| Noncurrent loans to loans | 0.0515% | 4,537 |
| Net loans and leases to total assets | 62.4000% | 3,464 |
| Net loans and leases to deposits | 70.6567% | 3,720 |
| Net loans and leases to core deposits | 86.4240% | 2,837 |
| Total domestic deposits to total assets | 88.3142% | 1,177 |
| Equity capital to assets | 10.5866% | 3,264 |
| Core capital (leverage) ratio | 10.7342% | 2,819 |
| Tier 1 risk-based capital ratio | 16.0305% | 2,426 |
| Total risk-based capital ratio | 17.2826% | 2,370 |
| Memoranda: | ||
| Average total assets | $315,273,000 | 2,095 |
| Average earning assets | $292,954,500 | 2,090 |
| Average equity | $33,678,000 | 2,206 |
| Average total loans | $200,988,000 | 2,203 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 1,140 |
| Cost of funding earning assets | 0.6542% | 2,363 |
| Net interest margin | 4.3024% | 1,149 |
| Noninterest income to average assets | 0.7136% | 1,795 |
| Noninterest expense to average assets | 2.8816% | 2,416 |
| Loan and lease loss provision to assets | 0.1063% | 2,075 |
| Net operating income to assets | 1.5930% | 883 |
| Return on assets (ROA) | 1.5930% | 873 |
| Pretax return on assets | 1.6907% | 1,195 |
| Return on Equity (ROE) | 14.6941% | 900 |
| Retained earnings to average equity (ytd only) | 9.1743% | 806 |
| Net charge-offs to loans | 0.0096% | 3,349 |
| Credit loss provision to net charge-offs | 1,626.3158% | 262 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 354 |
| Efficiency ratio | 61.5922% | 3,606 |
| Assets per employee ($millions) | 4.6752% | 2,917 |
| Cash dividends to net income (ytd only)* | 37.5648% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 1,259 |
| Loan loss allowance to noncurrent loans | 275.5985% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 3,042 |
| Noncurrent loans to loans | 0.5483% | 2,630 |
| Net loans and leases to total assets | 63.2181% | 3,438 |
| Net loans and leases to deposits | 71.8984% | 3,680 |
| Net loans and leases to core deposits | 87.7954% | 2,769 |
| Total domestic deposits to total assets | 87.9270% | 1,330 |
| Equity capital to assets | 10.7818% | 2,898 |
| Core capital (leverage) ratio | 11.0339% | 2,493 |
| Tier 1 risk-based capital ratio | 16.2906% | 2,314 |
| Total risk-based capital ratio | 17.5430% | 2,258 |
| Memoranda: | ||
| Average total assets | $290,775,400 | 2,203 |
| Average earning assets | $267,965,200 | 2,209 |
| Average equity | $31,522,800 | 2,247 |
| Average total loans | $197,791,200 | 2,186 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 993 |
| Cost of funding earning assets | 0.6065% | 2,422 |
| Net interest margin | 4.3631% | 984 |
| Noninterest income to average assets | 0.7227% | 1,783 |
| Noninterest expense to average assets | 2.8465% | 2,468 |
| Loan and lease loss provision to assets | 0.1276% | 1,574 |
| Net operating income to assets | 1.6344% | 885 |
| Return on assets (ROA) | 1.6344% | 889 |
| Pretax return on assets | 1.7513% | 1,134 |
| Return on Equity (ROE) | 15.0545% | 864 |
| Retained earnings to average equity (ytd only) | 7.7675% | 1,761 |
| Net charge-offs to loans | 0.0047% | 3,274 |
| Credit loss provision to net charge-offs | 3,914.2857% | 107 |
| Earnings coverage of net charge-offs (x) | 576.6206% | 155 |
| Efficiency ratio | 60.2385% | 3,788 |
| Assets per employee ($millions) | 4.3080% | 3,411 |
| Cash dividends to net income (ytd only)* | 48.4047% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 1,372 |
| Loan loss allowance to noncurrent loans | 2,775.7009% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,738 |
| Noncurrent loans to loans | 0.0538% | 4,653 |
| Net loans and leases to total assets | 64.9904% | 3,302 |
| Net loans and leases to deposits | 73.7572% | 3,613 |
| Net loans and leases to core deposits | 86.9153% | 2,927 |
| Total domestic deposits to total assets | 88.1139% | 1,193 |
| Equity capital to assets | 10.5291% | 3,117 |
| Core capital (leverage) ratio | 11.0786% | 2,504 |
| Tier 1 risk-based capital ratio | 14.8602% | 2,943 |
| Total risk-based capital ratio | 16.1116% | 2,860 |
| Memoranda: | ||
| Average total assets | $286,328,000 | 2,244 |
| Average earning assets | $262,680,750 | 2,253 |
| Average equity | $31,086,250 | 2,275 |
| Average total loans | $197,723,500 | 2,203 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 804 |
| Cost of funding earning assets | 0.5561% | 2,560 |
| Net interest margin | 4.4515% | 766 |
| Noninterest income to average assets | 0.7211% | 1,787 |
| Noninterest expense to average assets | 2.8779% | 2,415 |
| Loan and lease loss provision to assets | 0.1287% | 1,542 |
| Net operating income to assets | 1.6981% | 720 |
| Return on assets (ROA) | 1.6981% | 729 |
| Pretax return on assets | 1.8020% | 958 |
| Return on Equity (ROE) | 15.4742% | 760 |
| Retained earnings to average equity (ytd only) | 7.2252% | 1,966 |
| Net charge-offs to loans | -0.0203% | 4,577 |
| Credit loss provision to net charge-offs | -905.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8492% | 3,959 |
| Assets per employee ($millions) | 4.1169% | 3,699 |
| Cash dividends to net income (ytd only)* | 53.3082% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,651 |
| Loan loss allowance to noncurrent loans | 2,547.3684% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 4,768 |
| Noncurrent loans to loans | 0.0561% | 4,664 |
| Net loans and leases to total assets | 69.5345% | 2,646 |
| Net loans and leases to deposits | 79.1442% | 3,040 |
| Net loans and leases to core deposits | 93.8990% | 2,226 |
| Total domestic deposits to total assets | 87.8580% | 1,447 |
| Equity capital to assets | 10.8459% | 2,786 |
| Core capital (leverage) ratio | 11.2158% | 2,332 |
| Tier 1 risk-based capital ratio | 14.3130% | 3,201 |
| Total risk-based capital ratio | 15.5637% | 3,124 |
| Memoranda: | ||
| Average total assets | $281,249,670 | 2,279 |
| Average earning assets | $258,247,670 | 2,291 |
| Average equity | $30,864,330 | 2,294 |
| Average total loans | $197,312,330 | 2,210 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 731 |
| Cost of funding earning assets | 0.5146% | 2,687 |
| Net interest margin | 4.4651% | 661 |
| Noninterest income to average assets | 0.7301% | 1,702 |
| Noninterest expense to average assets | 2.8209% | 2,630 |
| Loan and lease loss provision to assets | 0.1757% | 992 |
| Net operating income to assets | 1.7352% | 634 |
| Return on assets (ROA) | 1.7352% | 645 |
| Pretax return on assets | 1.8316% | 852 |
| Return on Equity (ROE) | 15.7165% | 672 |
| Retained earnings to average equity (ytd only) | 8.8821% | 1,503 |
| Net charge-offs to loans | 0.0165% | 2,182 |
| Credit loss provision to net charge-offs | 1,525.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 174.2500% | 373 |
| Efficiency ratio | 58.4253% | 4,292 |
| Assets per employee ($millions) | 4.1875% | 3,671 |
| Cash dividends to net income (ytd only)* | 43.4855% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,799 |
| Loan loss allowance to noncurrent loans | 4,335.3846% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 4,930 |
| Noncurrent loans to loans | 0.0325% | 4,831 |
| Net loans and leases to total assets | 70.2357% | 2,439 |
| Net loans and leases to deposits | 80.0328% | 2,809 |
| Net loans and leases to core deposits | 93.9870% | 2,142 |
| Total domestic deposits to total assets | 87.7586% | 1,754 |
| Equity capital to assets | 10.9722% | 2,614 |
| Core capital (leverage) ratio | 11.2639% | 2,195 |
| Tier 1 risk-based capital ratio | 15.4029% | 2,695 |
| Total risk-based capital ratio | 16.6546% | 2,634 |
| Memoranda: | ||
| Average total assets | $277,783,500 | 2,322 |
| Average earning assets | $254,955,500 | 2,335 |
| Average equity | $30,668,500 | 2,322 |
| Average total loans | $194,323,500 | 2,240 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 972 |
| Cost of funding earning assets | 0.4531% | 2,749 |
| Net interest margin | 4.3513% | 860 |
| Noninterest income to average assets | 0.7924% | 1,592 |
| Noninterest expense to average assets | 3.0550% | 1,992 |
| Loan and lease loss provision to assets | 0.1489% | 1,524 |
| Net operating income to assets | 1.4833% | 841 |
| Return on assets (ROA) | 1.4833% | 860 |
| Pretax return on assets | 1.5779% | 1,355 |
| Return on Equity (ROE) | 13.1206% | 926 |
| Retained earnings to average equity (ytd only) | 7.6117% | 889 |
| Net charge-offs to loans | 0.0830% | 2,270 |
| Credit loss provision to net charge-offs | 265.0685% | 1,060 |
| Earnings coverage of net charge-offs (x) | 30.7466% | 1,518 |
| Efficiency ratio | 63.8887% | 3,621 |
| Assets per employee ($millions) | 4.0442% | 3,890 |
| Cash dividends to net income (ytd only)* | 41.9865% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,647 |
| Loan loss allowance to noncurrent loans | 2,675.2475% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 4,886 |
| Noncurrent loans to loans | 0.0535% | 4,756 |
| Net loans and leases to total assets | 67.6614% | 2,872 |
| Net loans and leases to deposits | 77.2467% | 3,197 |
| Net loans and leases to core deposits | 92.9416% | 2,289 |
| Total domestic deposits to total assets | 87.5914% | 1,707 |
| Equity capital to assets | 11.1101% | 2,531 |
| Core capital (leverage) ratio | 11.3235% | 2,082 |
| Tier 1 risk-based capital ratio | 15.5972% | 2,586 |
| Total risk-based capital ratio | 16.8487% | 2,525 |
| Memoranda: | ||
| Average total assets | $259,965,400 | 2,418 |
| Average earning assets | $238,343,000 | 2,441 |
| Average equity | $29,388,800 | 2,398 |
| Average total loans | $175,901,200 | 2,372 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 1,032 |
| Cost of funding earning assets | 0.4400% | 2,811 |
| Net interest margin | 4.3095% | 901 |
| Noninterest income to average assets | 0.8233% | 1,507 |
| Noninterest expense to average assets | 3.0751% | 1,880 |
| Loan and lease loss provision to assets | 0.1499% | 1,395 |
| Net operating income to assets | 1.4452% | 1,001 |
| Return on assets (ROA) | 1.4452% | 1,014 |
| Pretax return on assets | 1.5539% | 1,564 |
| Return on Equity (ROE) | 12.7246% | 1,117 |
| Retained earnings to average equity (ytd only) | 5.3932% | 2,611 |
| Net charge-offs to loans | 0.0201% | 3,092 |
| Credit loss provision to net charge-offs | 1,107.6923% | 332 |
| Earnings coverage of net charge-offs (x) | 125.9077% | 604 |
| Efficiency ratio | 64.3472% | 3,481 |
| Assets per employee ($millions) | 3.9311% | 4,103 |
| Cash dividends to net income (ytd only)* | 57.6162% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 1,517 |
| Loan loss allowance to noncurrent loans | 2,670.5882% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 4,969 |
| Noncurrent loans to loans | 0.0564% | 4,856 |
| Net loans and leases to total assets | 67.6886% | 2,887 |
| Net loans and leases to deposits | 77.6350% | 3,205 |
| Net loans and leases to core deposits | 94.4765% | 2,225 |
| Total domestic deposits to total assets | 87.1883% | 1,781 |
| Equity capital to assets | 11.3663% | 2,496 |
| Core capital (leverage) ratio | 11.6271% | 1,930 |
| Tier 1 risk-based capital ratio | 15.7187% | 2,617 |
| Total risk-based capital ratio | 16.9709% | 2,557 |
| Memoranda: | ||
| Average total assets | $256,206,000 | 2,464 |
| Average earning assets | $235,166,500 | 2,475 |
| Average equity | $29,097,750 | 2,441 |
| Average total loans | $172,683,250 | 2,412 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 1,064 |
| Cost of funding earning assets | 0.4375% | 2,726 |
| Net interest margin | 4.2596% | 953 |
| Noninterest income to average assets | 0.7754% | 1,663 |
| Noninterest expense to average assets | 2.9809% | 2,169 |
| Loan and lease loss provision to assets | 0.1379% | 1,499 |
| Net operating income to assets | 1.4712% | 912 |
| Return on assets (ROA) | 1.4712% | 933 |
| Pretax return on assets | 1.5697% | 1,431 |
| Return on Equity (ROE) | 12.9572% | 1,044 |
| Retained earnings to average equity (ytd only) | 4.3931% | 3,090 |
| Net charge-offs to loans | 0.0341% | 2,506 |
| Credit loss provision to net charge-offs | 603.4483% | 565 |
| Earnings coverage of net charge-offs (x) | 74.7241% | 807 |
| Efficiency ratio | 63.5798% | 3,746 |
| Assets per employee ($millions) | 3.9173% | 4,105 |
| Cash dividends to net income (ytd only)* | 66.0953% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,549 |
| Loan loss allowance to noncurrent loans | 2,582.1782% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 5,011 |
| Noncurrent loans to loans | 0.0584% | 4,895 |
| Net loans and leases to total assets | 65.8783% | 3,125 |
| Net loans and leases to deposits | 75.5079% | 3,404 |
| Net loans and leases to core deposits | 87.7148% | 2,728 |
| Total domestic deposits to total assets | 87.2468% | 1,834 |
| Equity capital to assets | 11.3778% | 2,432 |
| Core capital (leverage) ratio | 11.2430% | 2,188 |
| Tier 1 risk-based capital ratio | 16.0664% | 2,475 |
| Total risk-based capital ratio | 17.3186% | 2,417 |
| Memoranda: | ||
| Average total assets | $253,813,330 | 2,489 |
| Average earning assets | $233,167,670 | 2,497 |
| Average equity | $28,818,000 | 2,448 |
| Average total loans | $169,909,330 | 2,443 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 1,221 |
| Cost of funding earning assets | 0.4333% | 2,680 |
| Net interest margin | 4.1320% | 1,143 |
| Noninterest income to average assets | 0.6777% | 2,050 |
| Noninterest expense to average assets | 2.9445% | 2,315 |
| Loan and lease loss provision to assets | 0.1320% | 1,449 |
| Net operating income to assets | 1.3076% | 1,216 |
| Return on assets (ROA) | 1.3076% | 1,251 |
| Pretax return on assets | 1.3935% | 1,912 |
| Return on Equity (ROE) | 11.5292% | 1,395 |
| Retained earnings to average equity (ytd only) | 4.2919% | 3,285 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8719% | 3,520 |
| Assets per employee ($millions) | 3.8503% | 4,260 |
| Cash dividends to net income (ytd only)* | 62.7737% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,641 |
| Loan loss allowance to noncurrent loans | 1,211.9048% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 4,889 |
| Noncurrent loans to loans | 0.1251% | 4,686 |
| Net loans and leases to total assets | 64.1068% | 3,260 |
| Net loans and leases to deposits | 73.2557% | 3,474 |
| Net loans and leases to core deposits | 84.2776% | 2,872 |
| Total domestic deposits to total assets | 87.5110% | 1,983 |
| Equity capital to assets | 11.1768% | 2,447 |
| Core capital (leverage) ratio | 11.4609% | 1,978 |
| Tier 1 risk-based capital ratio | 16.3706% | 2,407 |
| Total risk-based capital ratio | 17.6229% | 2,351 |
| Memoranda: | ||
| Average total assets | $251,450,500 | 2,531 |
| Average earning assets | $230,784,000 | 2,546 |
| Average equity | $28,519,000 | 2,477 |
| Average total loans | $168,399,500 | 2,471 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 744 |
| Cost of funding earning assets | 0.4517% | 2,527 |
| Net interest margin | 4.4444% | 700 |
| Noninterest income to average assets | 0.7445% | 1,976 |
| Noninterest expense to average assets | 3.1711% | 1,861 |
| Loan and lease loss provision to assets | 0.1739% | 1,390 |
| Net operating income to assets | 1.3972% | 1,013 |
| Return on assets (ROA) | 1.3980% | 1,042 |
| Pretax return on assets | 1.4856% | 1,636 |
| Return on Equity (ROE) | 11.6882% | 1,342 |
| Retained earnings to average equity (ytd only) | 7.2641% | 1,128 |
| Net charge-offs to loans | 0.1060% | 2,208 |
| Credit loss provision to net charge-offs | 237.0588% | 1,220 |
| Earnings coverage of net charge-offs (x) | 22.6059% | 1,724 |
| Efficiency ratio | 65.6568% | 3,648 |
| Assets per employee ($millions) | 3.7682% | 4,366 |
| Cash dividends to net income (ytd only)* | 37.8512% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,845 |
| Loan loss allowance to noncurrent loans | 892.0290% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 4,450 |
| Noncurrent loans to loans | 0.1634% | 4,579 |
| Net loans and leases to total assets | 67.9439% | 2,776 |
| Net loans and leases to deposits | 78.0320% | 3,099 |
| Net loans and leases to core deposits | 89.5137% | 2,548 |
| Total domestic deposits to total assets | 87.0718% | 2,107 |
| Equity capital to assets | 11.5155% | 2,154 |
| Core capital (leverage) ratio | 11.7265% | 1,776 |
| Tier 1 risk-based capital ratio | 16.2150% | 2,469 |
| Total risk-based capital ratio | 17.4669% | 2,403 |
| Memoranda: | ||
| Average total assets | $231,689,800 | 2,649 |
| Average earning assets | $212,965,400 | 2,670 |
| Average equity | $27,711,600 | 2,524 |
| Average total loans | $160,398,400 | 2,516 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 730 |
| Cost of funding earning assets | 0.4568% | 2,487 |
| Net interest margin | 4.4403% | 721 |
| Noninterest income to average assets | 0.7502% | 1,964 |
| Noninterest expense to average assets | 3.1917% | 1,799 |
| Loan and lease loss provision to assets | 0.1781% | 1,253 |
| Net operating income to assets | 1.3580% | 1,149 |
| Return on assets (ROA) | 1.3591% | 1,226 |
| Pretax return on assets | 1.4677% | 1,816 |
| Return on Equity (ROE) | 11.2509% | 1,573 |
| Retained earnings to average equity (ytd only) | 5.3741% | 2,570 |
| Net charge-offs to loans | 0.1280% | 1,679 |
| Credit loss provision to net charge-offs | 200.6579% | 1,434 |
| Earnings coverage of net charge-offs (x) | 18.5331% | 1,989 |
| Efficiency ratio | 65.9947% | 3,595 |
| Assets per employee ($millions) | 3.5624% | 4,700 |
| Cash dividends to net income (ytd only)* | 52.2336% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 2,042 |
| Loan loss allowance to noncurrent loans | 859.9278% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 4,686 |
| Noncurrent loans to loans | 0.1668% | 4,691 |
| Net loans and leases to total assets | 68.5899% | 2,712 |
| Net loans and leases to deposits | 79.2013% | 3,061 |
| Net loans and leases to core deposits | 90.5027% | 2,527 |
| Total domestic deposits to total assets | 86.6020% | 2,083 |
| Equity capital to assets | 11.8906% | 2,190 |
| Core capital (leverage) ratio | 11.9501% | 1,715 |
| Tier 1 risk-based capital ratio | 16.1722% | 2,557 |
| Total risk-based capital ratio | 17.4241% | 2,506 |
| Memoranda: | ||
| Average total assets | $228,379,750 | 2,684 |
| Average earning assets | $210,163,000 | 2,704 |
| Average equity | $27,588,250 | 2,549 |
| Average total loans | $158,278,750 | 2,544 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 697 |
| Cost of funding earning assets | 0.4696% | 2,375 |
| Net interest margin | 4.4456% | 697 |
| Noninterest income to average assets | 0.7424% | 1,962 |
| Noninterest expense to average assets | 3.1581% | 1,910 |
| Loan and lease loss provision to assets | 0.1867% | 1,165 |
| Net operating income to assets | 1.3728% | 1,107 |
| Return on assets (ROA) | 1.3728% | 1,183 |
| Pretax return on assets | 1.4795% | 1,741 |
| Return on Equity (ROE) | 11.3014% | 1,541 |
| Retained earnings to average equity (ytd only) | 4.7065% | 2,918 |
| Net charge-offs to loans | 0.0244% | 2,995 |
| Credit loss provision to net charge-offs | 1,105.2632% | 347 |
| Earnings coverage of net charge-offs (x) | 98.6316% | 590 |
| Efficiency ratio | 65.4626% | 3,763 |
| Assets per employee ($millions) | 3.5517% | 4,675 |
| Cash dividends to net income (ytd only)* | 58.3549% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 1,875 |
| Loan loss allowance to noncurrent loans | 328.8043% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 3,932 |
| Noncurrent loans to loans | 0.4551% | 3,741 |
| Net loans and leases to total assets | 69.0027% | 2,629 |
| Net loans and leases to deposits | 79.8121% | 2,950 |
| Net loans and leases to core deposits | 92.1939% | 2,329 |
| Total domestic deposits to total assets | 86.4564% | 2,190 |
| Equity capital to assets | 12.1064% | 2,047 |
| Core capital (leverage) ratio | 11.6405% | 1,878 |
| Tier 1 risk-based capital ratio | 16.1138% | 2,586 |
| Total risk-based capital ratio | 17.3661% | 2,529 |
| Memoranda: | ||
| Average total assets | $224,945,000 | 2,735 |
| Average earning assets | $206,540,330 | 2,745 |
| Average equity | $27,324,000 | 2,572 |
| Average total loans | $155,673,330 | 2,580 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 783 |
| Cost of funding earning assets | 0.4666% | 2,411 |
| Net interest margin | 4.3723% | 789 |
| Noninterest income to average assets | 0.6937% | 2,069 |
| Noninterest expense to average assets | 3.2380% | 1,748 |
| Loan and lease loss provision to assets | 0.1315% | 1,606 |
| Net operating income to assets | 1.2613% | 1,373 |
| Return on assets (ROA) | 1.2613% | 1,465 |
| Pretax return on assets | 1.3424% | 2,128 |
| Return on Equity (ROE) | 10.3660% | 1,833 |
| Retained earnings to average equity (ytd only) | 6.0567% | 2,347 |
| Net charge-offs to loans | -0.0052% | 4,307 |
| Credit loss provision to net charge-offs | -3,650.0000% | 4,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7189% | 3,344 |
| Assets per employee ($millions) | 3.5509% | 4,743 |
| Cash dividends to net income (ytd only)* | 41.5714% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 2,081 |
| Loan loss allowance to noncurrent loans | 1,430.4348% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 4,986 |
| Noncurrent loans to loans | 0.1033% | 5,056 |
| Net loans and leases to total assets | 66.5305% | 2,877 |
| Net loans and leases to deposits | 76.6872% | 3,143 |
| Net loans and leases to core deposits | 90.3117% | 2,341 |
| Total domestic deposits to total assets | 86.7556% | 2,323 |
| Equity capital to assets | 11.8653% | 2,109 |
| Core capital (leverage) ratio | 11.9726% | 1,627 |
| Tier 1 risk-based capital ratio | 16.5571% | 2,456 |
| Total risk-based capital ratio | 17.8090% | 2,410 |
| Memoranda: | ||
| Average total assets | $221,986,500 | 2,763 |
| Average earning assets | $204,010,000 | 2,774 |
| Average equity | $27,011,500 | 2,599 |
| Average total loans | $152,649,500 | 2,612 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 777 |
| Cost of funding earning assets | 0.4565% | 2,563 |
| Net interest margin | 4.4384% | 730 |
| Noninterest income to average assets | 0.7829% | 1,853 |
| Noninterest expense to average assets | 3.4049% | 1,477 |
| Loan and lease loss provision to assets | 0.0452% | 3,420 |
| Net operating income to assets | 1.3059% | 1,255 |
| Return on assets (ROA) | 1.3059% | 1,304 |
| Pretax return on assets | 1.3800% | 1,978 |
| Return on Equity (ROE) | 10.5333% | 1,791 |
| Retained earnings to average equity (ytd only) | 5.6819% | 1,966 |
| Net charge-offs to loans | 0.0463% | 3,289 |
| Credit loss provision to net charge-offs | 146.8750% | 1,812 |
| Earnings coverage of net charge-offs (x) | 46.2813% | 1,057 |
| Efficiency ratio | 70.4921% | 3,145 |
| Assets per employee ($millions) | 3.1814% | 5,309 |
| Cash dividends to net income (ytd only)* | 46.0575% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 2,047 |
| Loan loss allowance to noncurrent loans | 1,495.9732% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,970 |
| Noncurrent loans to loans | 0.0997% | 5,103 |
| Net loans and leases to total assets | 69.0621% | 2,534 |
| Net loans and leases to deposits | 80.2768% | 2,791 |
| Net loans and leases to core deposits | 94.9405% | 1,951 |
| Total domestic deposits to total assets | 86.0299% | 2,627 |
| Equity capital to assets | 12.4918% | 1,632 |
| Core capital (leverage) ratio | 12.3535% | 1,422 |
| Tier 1 risk-based capital ratio | 16.9949% | 2,285 |
| Total risk-based capital ratio | 18.2471% | 2,232 |
| Memoranda: | ||
| Average total assets | $207,819,400 | 2,874 |
| Average earning assets | $189,503,200 | 2,897 |
| Average equity | $25,766,000 | 2,636 |
| Average total loans | $138,362,600 | 2,748 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 803 |
| Cost of funding earning assets | 0.4558% | 2,631 |
| Net interest margin | 4.4236% | 758 |
| Noninterest income to average assets | 0.8104% | 1,772 |
| Noninterest expense to average assets | 3.3428% | 1,590 |
| Loan and lease loss provision to assets | 0.0517% | 3,167 |
| Net operating income to assets | 1.3476% | 1,232 |
| Return on assets (ROA) | 1.3476% | 1,274 |
| Pretax return on assets | 1.4451% | 1,847 |
| Return on Equity (ROE) | 10.8905% | 1,746 |
| Retained earnings to average equity (ytd only) | 4.4146% | 3,327 |
| Net charge-offs to loans | 0.0649% | 2,651 |
| Credit loss provision to net charge-offs | 121.2121% | 1,965 |
| Earnings coverage of net charge-offs (x) | 35.1203% | 1,357 |
| Efficiency ratio | 69.0727% | 3,361 |
| Assets per employee ($millions) | 3.1656% | 5,346 |
| Cash dividends to net income (ytd only)* | 59.4635% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 1,676 |
| Loan loss allowance to noncurrent loans | 1,024.5370% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 4,885 |
| Noncurrent loans to loans | 0.1591% | 5,009 |
| Net loans and leases to total assets | 62.9797% | 3,459 |
| Net loans and leases to deposits | 73.1297% | 3,634 |
| Net loans and leases to core deposits | 86.6425% | 2,785 |
| Total domestic deposits to total assets | 86.1206% | 2,470 |
| Equity capital to assets | 12.3300% | 1,850 |
| Core capital (leverage) ratio | 12.2138% | 1,558 |
| Tier 1 risk-based capital ratio | 17.5931% | 2,159 |
| Total risk-based capital ratio | 18.8465% | 2,116 |
| Memoranda: | ||
| Average total assets | $206,485,250 | 2,903 |
| Average earning assets | $188,077,000 | 2,934 |
| Average equity | $25,550,750 | 2,668 |
| Average total loans | $135,593,500 | 2,806 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 774 |
| Cost of funding earning assets | 0.4504% | 2,723 |
| Net interest margin | 4.4248% | 728 |
| Noninterest income to average assets | 0.7790% | 1,872 |
| Noninterest expense to average assets | 3.3174% | 1,651 |
| Loan and lease loss provision to assets | 0.0802% | 2,508 |
| Net operating income to assets | 1.3166% | 1,269 |
| Return on assets (ROA) | 1.3166% | 1,322 |
| Pretax return on assets | 1.4144% | 1,913 |
| Return on Equity (ROE) | 10.6269% | 1,802 |
| Retained earnings to average equity (ytd only) | 3.3293% | 3,925 |
| Net charge-offs to loans | 0.0812% | 2,241 |
| Credit loss provision to net charge-offs | 149.0909% | 1,542 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 1,441 |
| Efficiency ratio | 68.9417% | 3,501 |
| Assets per employee ($millions) | 3.5847% | 4,645 |
| Cash dividends to net income (ytd only)* | 68.6711% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 1,885 |
| Loan loss allowance to noncurrent loans | 697.8056% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 5,165 |
| Noncurrent loans to loans | 0.2303% | 4,850 |
| Net loans and leases to total assets | 64.4459% | 3,201 |
| Net loans and leases to deposits | 74.4817% | 3,437 |
| Net loans and leases to core deposits | 86.2710% | 2,739 |
| Total domestic deposits to total assets | 86.5258% | 2,416 |
| Equity capital to assets | 11.9872% | 2,038 |
| Core capital (leverage) ratio | 12.1373% | 1,573 |
| Tier 1 risk-based capital ratio | 17.2941% | 2,287 |
| Total risk-based capital ratio | 18.5473% | 2,250 |
| Memoranda: | ||
| Average total assets | $204,616,330 | 2,948 |
| Average earning assets | $186,496,330 | 2,968 |
| Average equity | $25,350,670 | 2,693 |
| Average total loans | $135,528,670 | 2,819 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 854 |
| Cost of funding earning assets | 0.4467% | 2,804 |
| Net interest margin | 4.3599% | 789 |
| Noninterest income to average assets | 0.8788% | 1,458 |
| Noninterest expense to average assets | 3.3782% | 1,534 |
| Loan and lease loss provision to assets | 0.0994% | 2,037 |
| Net operating income to assets | 1.2904% | 1,306 |
| Return on assets (ROA) | 1.2904% | 1,388 |
| Pretax return on assets | 1.3799% | 1,963 |
| Return on Equity (ROE) | 10.2408% | 1,896 |
| Retained earnings to average equity (ytd only) | 4.4656% | 3,341 |
| Net charge-offs to loans | 0.0269% | 2,635 |
| Credit loss provision to net charge-offs | 555.5556% | 500 |
| Earnings coverage of net charge-offs (x) | 82.6667% | 579 |
| Efficiency ratio | 69.5456% | 3,572 |
| Assets per employee ($millions) | 3.5385% | 4,832 |
| Cash dividends to net income (ytd only)* | 56.3945% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 1,932 |
| Loan loss allowance to noncurrent loans | 580.3109% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 4,899 |
| Noncurrent loans to loans | 0.2819% | 4,767 |
| Net loans and leases to total assets | 65.6170% | 2,834 |
| Net loans and leases to deposits | 76.2138% | 3,028 |
| Net loans and leases to core deposits | 89.2729% | 2,203 |
| Total domestic deposits to total assets | 86.0959% | 2,893 |
| Equity capital to assets | 12.5169% | 1,684 |
| Core capital (leverage) ratio | 12.5919% | 1,321 |
| Tier 1 risk-based capital ratio | 17.9723% | 2,142 |
| Total risk-based capital ratio | 19.1205% | 2,134 |
| Memoranda: | ||
| Average total assets | $201,174,500 | 2,998 |
| Average earning assets | $183,583,000 | 3,020 |
| Average equity | $25,349,500 | 2,714 |
| Average total loans | $134,028,500 | 2,848 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 837 |
| Cost of funding earning assets | 0.4531% | 3,136 |
| Net interest margin | 4.5076% | 739 |
| Noninterest income to average assets | 0.7559% | 2,052 |
| Noninterest expense to average assets | 3.3194% | 1,879 |
| Loan and lease loss provision to assets | 0.1339% | 1,954 |
| Net operating income to assets | 1.3060% | 1,293 |
| Return on assets (ROA) | 1.3645% | 1,195 |
| Pretax return on assets | 1.4475% | 1,727 |
| Return on Equity (ROE) | 11.1658% | 1,671 |
| Retained earnings to average equity (ytd only) | 7.2344% | 1,303 |
| Net charge-offs to loans | 0.1567% | 2,463 |
| Credit loss provision to net charge-offs | 132.3077% | 1,801 |
| Earnings coverage of net charge-offs (x) | 15.0154% | 2,115 |
| Efficiency ratio | 68.6039% | 3,791 |
| Assets per employee ($millions) | 3.3985% | 5,062 |
| Cash dividends to net income (ytd only)* | 35.2091% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 1,833 |
| Loan loss allowance to noncurrent loans | 481.1816% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 4,641 |
| Noncurrent loans to loans | 0.3485% | 4,610 |
| Net loans and leases to total assets | 65.4185% | 2,987 |
| Net loans and leases to deposits | 76.2281% | 3,173 |
| Net loans and leases to core deposits | 88.7241% | 2,415 |
| Total domestic deposits to total assets | 85.8194% | 2,935 |
| Equity capital to assets | 12.6881% | 1,547 |
| Core capital (leverage) ratio | 12.6350% | 1,290 |
| Tier 1 risk-based capital ratio | 17.9677% | 2,149 |
| Total risk-based capital ratio | 19.2215% | 2,112 |
| Memoranda: | ||
| Average total assets | $192,747,200 | 3,071 |
| Average earning assets | $174,573,200 | 3,105 |
| Average equity | $23,554,000 | 2,792 |
| Average total loans | $124,427,600 | 2,965 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 844 |
| Cost of funding earning assets | 0.4533% | 3,207 |
| Net interest margin | 4.4943% | 742 |
| Noninterest income to average assets | 0.7638% | 2,036 |
| Noninterest expense to average assets | 3.3358% | 1,827 |
| Loan and lease loss provision to assets | 0.1433% | 1,751 |
| Net operating income to assets | 1.2739% | 1,454 |
| Return on assets (ROA) | 1.3524% | 1,299 |
| Pretax return on assets | 1.4380% | 1,855 |
| Return on Equity (ROE) | 11.1770% | 1,724 |
| Retained earnings to average equity (ytd only) | 5.9047% | 2,466 |
| Net charge-offs to loans | 0.1271% | 2,522 |
| Credit loss provision to net charge-offs | 176.0684% | 1,416 |
| Earnings coverage of net charge-offs (x) | 18.4012% | 1,843 |
| Efficiency ratio | 69.0127% | 3,672 |
| Assets per employee ($millions) | 3.3962% | 5,055 |
| Cash dividends to net income (ytd only)* | 47.1708% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 1,836 |
| Loan loss allowance to noncurrent loans | 281.6456% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 4,276 |
| Noncurrent loans to loans | 0.6200% | 4,068 |
| Net loans and leases to total assets | 64.6731% | 3,078 |
| Net loans and leases to deposits | 75.1331% | 3,293 |
| Net loans and leases to core deposits | 84.9952% | 2,775 |
| Total domestic deposits to total assets | 86.0780% | 2,808 |
| Equity capital to assets | 12.4539% | 1,732 |
| Core capital (leverage) ratio | 12.3902% | 1,464 |
| Tier 1 risk-based capital ratio | 17.8631% | 2,251 |
| Total risk-based capital ratio | 19.1178% | 2,213 |
| Memoranda: | ||
| Average total assets | $191,655,500 | 3,110 |
| Average earning assets | $173,547,750 | 3,144 |
| Average equity | $23,190,000 | 2,835 |
| Average total loans | $122,747,500 | 3,011 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 839 |
| Cost of funding earning assets | 0.4547% | 3,275 |
| Net interest margin | 4.4831% | 728 |
| Noninterest income to average assets | 0.7099% | 2,229 |
| Noninterest expense to average assets | 3.3495% | 1,803 |
| Loan and lease loss provision to assets | 0.1466% | 1,683 |
| Net operating income to assets | 1.1865% | 1,633 |
| Return on assets (ROA) | 1.3046% | 1,344 |
| Pretax return on assets | 1.3863% | 1,944 |
| Return on Equity (ROE) | 10.8899% | 1,779 |
| Retained earnings to average equity (ytd only) | 5.2002% | 2,831 |
| Net charge-offs to loans | 0.1073% | 2,602 |
| Credit loss provision to net charge-offs | 215.3846% | 1,102 |
| Earnings coverage of net charge-offs (x) | 20.6769% | 1,574 |
| Efficiency ratio | 70.4160% | 3,587 |
| Assets per employee ($millions) | 3.5045% | 4,843 |
| Cash dividends to net income (ytd only)* | 52.2472% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 2,000 |
| Loan loss allowance to noncurrent loans | 526.4286% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 5,036 |
| Noncurrent loans to loans | 0.3308% | 5,024 |
| Net loans and leases to total assets | 63.5669% | 3,147 |
| Net loans and leases to deposits | 73.4329% | 3,394 |
| Net loans and leases to core deposits | 81.4024% | 3,050 |
| Total domestic deposits to total assets | 86.5646% | 2,722 |
| Equity capital to assets | 12.0346% | 1,954 |
| Core capital (leverage) ratio | 12.3744% | 1,461 |
| Tier 1 risk-based capital ratio | 17.6350% | 2,367 |
| Total risk-based capital ratio | 18.8894% | 2,343 |
| Memoranda: | ||
| Average total assets | $191,012,000 | 3,139 |
| Average earning assets | $172,426,330 | 3,164 |
| Average equity | $22,883,670 | 2,860 |
| Average total loans | $121,189,000 | 3,041 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 840 |
| Cost of funding earning assets | 0.4583% | 3,329 |
| Net interest margin | 4.4611% | 710 |
| Noninterest income to average assets | 0.8238% | 1,656 |
| Noninterest expense to average assets | 3.4056% | 1,691 |
| Loan and lease loss provision to assets | 0.1274% | 1,906 |
| Net operating income to assets | 1.2378% | 1,377 |
| Return on assets (ROA) | 1.2378% | 1,434 |
| Pretax return on assets | 1.3206% | 2,025 |
| Return on Equity (ROE) | 10.3568% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.4664% | 2,307 |
| Net charge-offs to loans | 0.0372% | 2,865 |
| Credit loss provision to net charge-offs | 545.4545% | 505 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 640 |
| Efficiency ratio | 70.1662% | 3,812 |
| Assets per employee ($millions) | 3.3753% | 5,205 |
| Cash dividends to net income (ytd only)* | 37.5643% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 2,060 |
| Loan loss allowance to noncurrent loans | 548.9950% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 5,327 |
| Noncurrent loans to loans | 0.3270% | 5,128 |
| Net loans and leases to total assets | 62.1260% | 3,218 |
| Net loans and leases to deposits | 71.6282% | 3,390 |
| Net loans and leases to core deposits | 78.8810% | 3,105 |
| Total domestic deposits to total assets | 86.7339% | 2,974 |
| Equity capital to assets | 11.9235% | 1,924 |
| Core capital (leverage) ratio | 12.5501% | 1,366 |
| Tier 1 risk-based capital ratio | 18.0609% | 2,271 |
| Total risk-based capital ratio | 19.3163% | 2,246 |
| Memoranda: | ||
| Average total assets | $188,393,000 | 3,185 |
| Average earning assets | $170,183,500 | 3,219 |
| Average equity | $22,516,500 | 2,890 |
| Average total loans | $118,303,000 | 3,105 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9587% | 998 |
| Cost of funding earning assets | 0.5004% | 3,606 |
| Net interest margin | 4.4582% | 807 |
| Noninterest income to average assets | 0.8653% | 1,803 |
| Noninterest expense to average assets | 3.4802% | 1,701 |
| Loan and lease loss provision to assets | 0.1356% | 2,614 |
| Net operating income to assets | 1.1734% | 1,672 |
| Return on assets (ROA) | 1.2056% | 1,615 |
| Pretax return on assets | 1.2782% | 2,241 |
| Return on Equity (ROE) | 9.6630% | 2,257 |
| Retained earnings to average equity (ytd only) | 5.7401% | 2,140 |
| Net charge-offs to loans | 0.0857% | 4,012 |
| Credit loss provision to net charge-offs | 256.3830% | 883 |
| Earnings coverage of net charge-offs (x) | 26.0851% | 1,306 |
| Efficiency ratio | 71.6138% | 3,551 |
| Assets per employee ($millions) | 3.2927% | 5,306 |
| Cash dividends to net income (ytd only)* | 40.5973% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 1,896 |
| Loan loss allowance to noncurrent loans | 449.6842% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 5,284 |
| Noncurrent loans to loans | 0.4134% | 4,970 |
| Net loans and leases to total assets | 61.1515% | 3,507 |
| Net loans and leases to deposits | 70.6377% | 3,713 |
| Net loans and leases to core deposits | 78.1036% | 3,348 |
| Total domestic deposits to total assets | 86.5705% | 2,959 |
| Equity capital to assets | 11.9815% | 1,819 |
| Core capital (leverage) ratio | 12.7653% | 1,231 |
| Tier 1 risk-based capital ratio | 18.6365% | 2,034 |
| Total risk-based capital ratio | 19.8924% | 1,998 |
| Memoranda: | ||
| Average total assets | $177,748,600 | 3,295 |
| Average earning assets | $159,256,800 | 3,359 |
| Average equity | $22,177,400 | 2,908 |
| Average total loans | $109,626,600 | 3,252 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 1,032 |
| Cost of funding earning assets | 0.5090% | 3,685 |
| Net interest margin | 4.4390% | 823 |
| Noninterest income to average assets | 0.9503% | 1,602 |
| Noninterest expense to average assets | 3.5451% | 1,510 |
| Loan and lease loss provision to assets | 0.1514% | 2,377 |
| Net operating income to assets | 1.1224% | 1,921 |
| Return on assets (ROA) | 1.1691% | 1,818 |
| Pretax return on assets | 1.2668% | 2,455 |
| Return on Equity (ROE) | 9.2737% | 2,506 |
| Retained earnings to average equity (ytd only) | 4.0482% | 3,814 |
| Net charge-offs to loans | 0.0197% | 4,738 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 112.8898% | 453 |
| Efficiency ratio | 72.1640% | 3,374 |
| Assets per employee ($millions) | 3.2153% | 5,467 |
| Cash dividends to net income (ytd only)* | 56.3470% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9548% | 1,839 |
| Loan loss allowance to noncurrent loans | 426.0784% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 5,409 |
| Noncurrent loans to loans | 0.4588% | 5,044 |
| Net loans and leases to total assets | 60.5305% | 3,606 |
| Net loans and leases to deposits | 70.0423% | 3,784 |
| Net loans and leases to core deposits | 78.1318% | 3,345 |
| Total domestic deposits to total assets | 86.4199% | 3,013 |
| Equity capital to assets | 12.1139% | 1,854 |
| Core capital (leverage) ratio | 12.7296% | 1,314 |
| Tier 1 risk-based capital ratio | 18.8952% | 2,019 |
| Total risk-based capital ratio | 20.1522% | 1,977 |
| Memoranda: | ||
| Average total assets | $176,087,500 | 3,347 |
| Average earning assets | $157,179,500 | 3,422 |
| Average equity | $22,198,500 | 2,939 |
| Average total loans | $108,309,500 | 3,302 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 1,073 |
| Cost of funding earning assets | 0.5188% | 3,715 |
| Net interest margin | 4.3911% | 863 |
| Noninterest income to average assets | 0.9945% | 1,547 |
| Noninterest expense to average assets | 3.5671% | 1,468 |
| Loan and lease loss provision to assets | 0.1728% | 2,176 |
| Net operating income to assets | 1.0742% | 2,018 |
| Return on assets (ROA) | 1.1455% | 1,880 |
| Pretax return on assets | 1.2348% | 2,540 |
| Return on Equity (ROE) | 8.9666% | 2,621 |
| Retained earnings to average equity (ytd only) | 3.6995% | 3,953 |
| Net charge-offs to loans | 0.0298% | 4,271 |
| Credit loss provision to net charge-offs | 943.7500% | 327 |
| Earnings coverage of net charge-offs (x) | 72.6875% | 615 |
| Efficiency ratio | 72.8271% | 3,334 |
| Assets per employee ($millions) | 3.1865% | 5,514 |
| Cash dividends to net income (ytd only)* | 58.7413% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 1,943 |
| Loan loss allowance to noncurrent loans | 462.7451% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 5,466 |
| Noncurrent loans to loans | 0.4236% | 5,202 |
| Net loans and leases to total assets | 59.5299% | 3,744 |
| Net loans and leases to deposits | 68.7491% | 3,898 |
| Net loans and leases to core deposits | 76.5600% | 3,475 |
| Total domestic deposits to total assets | 86.5901% | 3,064 |
| Equity capital to assets | 12.0162% | 1,906 |
| Core capital (leverage) ratio | 12.5458% | 1,343 |
| Tier 1 risk-based capital ratio | 19.0673% | 1,977 |
| Total risk-based capital ratio | 20.3242% | 1,937 |
| Memoranda: | ||
| Average total assets | $174,764,000 | 3,377 |
| Average earning assets | $155,359,000 | 3,474 |
| Average equity | $22,327,330 | 2,950 |
| Average total loans | $107,358,330 | 3,331 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 1,054 |
| Cost of funding earning assets | 0.5226% | 3,862 |
| Net interest margin | 4.3871% | 822 |
| Noninterest income to average assets | 1.1427% | 1,143 |
| Noninterest expense to average assets | 3.5993% | 1,422 |
| Loan and lease loss provision to assets | 0.1804% | 2,054 |
| Net operating income to assets | 1.1622% | 1,633 |
| Return on assets (ROA) | 1.2375% | 1,525 |
| Pretax return on assets | 1.3277% | 2,132 |
| Return on Equity (ROE) | 9.3983% | 2,319 |
| Retained earnings to average equity (ytd only) | 3.7769% | 3,971 |
| Net charge-offs to loans | 0.0786% | 3,050 |
| Credit loss provision to net charge-offs | 371.4286% | 681 |
| Earnings coverage of net charge-offs (x) | 29.3810% | 970 |
| Efficiency ratio | 71.6061% | 3,688 |
| Assets per employee ($millions) | 3.1366% | 5,752 |
| Cash dividends to net income (ytd only)* | 59.8131% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 2,238 |
| Loan loss allowance to noncurrent loans | 495.3995% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 5,629 |
| Noncurrent loans to loans | 0.3882% | 5,442 |
| Net loans and leases to total assets | 59.4004% | 3,539 |
| Net loans and leases to deposits | 69.2604% | 3,608 |
| Net loans and leases to core deposits | 76.6526% | 3,238 |
| Total domestic deposits to total assets | 85.7639% | 3,656 |
| Equity capital to assets | 12.9688% | 1,442 |
| Core capital (leverage) ratio | 12.9356% | 1,139 |
| Tier 1 risk-based capital ratio | 18.9789% | 2,045 |
| Total risk-based capital ratio | 20.2351% | 2,020 |
| Memoranda: | ||
| Average total assets | $172,924,500 | 3,450 |
| Average earning assets | $153,086,000 | 3,541 |
| Average equity | $22,770,000 | 2,951 |
| Average total loans | $106,862,000 | 3,364 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 1,051 |
| Cost of funding earning assets | 0.5730% | 4,608 |
| Net interest margin | 4.6609% | 703 |
| Noninterest income to average assets | 0.9653% | 1,648 |
| Noninterest expense to average assets | 3.5247% | 1,768 |
| Loan and lease loss provision to assets | 0.3436% | 1,950 |
| Net operating income to assets | 1.1640% | 1,719 |
| Return on assets (ROA) | 1.1972% | 1,779 |
| Pretax return on assets | 1.2647% | 2,543 |
| Return on Equity (ROE) | 8.9097% | 2,685 |
| Retained earnings to average equity (ytd only) | 6.2108% | 1,966 |
| Net charge-offs to loans | 0.2593% | 3,386 |
| Credit loss provision to net charge-offs | 217.8988% | 1,160 |
| Earnings coverage of net charge-offs (x) | 9.9767% | 2,198 |
| Efficiency ratio | 69.1382% | 3,950 |
| Assets per employee ($millions) | 3.1518% | 5,734 |
| Cash dividends to net income (ytd only)* | 30.2922% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 2,432 |
| Loan loss allowance to noncurrent loans | 305.0613% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 4,768 |
| Noncurrent loans to loans | 0.6074% | 5,000 |
| Net loans and leases to total assets | 61.8994% | 3,262 |
| Net loans and leases to deposits | 72.6158% | 3,311 |
| Net loans and leases to core deposits | 79.9470% | 3,008 |
| Total domestic deposits to total assets | 85.2424% | 3,748 |
| Equity capital to assets | 13.3727% | 1,279 |
| Core capital (leverage) ratio | 12.9762% | 1,118 |
| Tier 1 risk-based capital ratio | 18.6953% | 2,050 |
| Total risk-based capital ratio | 19.9505% | 2,012 |
| Memoranda: | ||
| Average total assets | $162,962,400 | 3,569 |
| Average earning assets | $144,500,000 | 3,652 |
| Average equity | $21,897,400 | 2,990 |
| Average total loans | $99,115,400 | 3,546 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2654% | 1,070 |
| Cost of funding earning assets | 0.5837% | 4,802 |
| Net interest margin | 4.6817% | 694 |
| Noninterest income to average assets | 0.9738% | 1,585 |
| Noninterest expense to average assets | 3.5419% | 1,667 |
| Loan and lease loss provision to assets | 0.3549% | 1,839 |
| Net operating income to assets | 1.1254% | 2,006 |
| Return on assets (ROA) | 1.1558% | 2,077 |
| Pretax return on assets | 1.2576% | 2,757 |
| Return on Equity (ROE) | 8.5907% | 2,998 |
| Retained earnings to average equity (ytd only) | 5.0610% | 3,326 |
| Net charge-offs to loans | 0.1745% | 3,712 |
| Credit loss provision to net charge-offs | 337.7953% | 785 |
| Earnings coverage of net charge-offs (x) | 15.0314% | 1,799 |
| Efficiency ratio | 69.1599% | 3,854 |
| Assets per employee ($millions) | 3.0266% | 6,012 |
| Cash dividends to net income (ytd only)* | 41.0878% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,374 |
| Loan loss allowance to noncurrent loans | 453.8813% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 5,059 |
| Noncurrent loans to loans | 0.4262% | 5,597 |
| Net loans and leases to total assets | 60.5444% | 3,665 |
| Net loans and leases to deposits | 71.3202% | 3,701 |
| Net loans and leases to core deposits | 79.3687% | 3,284 |
| Total domestic deposits to total assets | 84.8909% | 3,793 |
| Equity capital to assets | 13.4216% | 1,384 |
| Core capital (leverage) ratio | 13.0273% | 1,185 |
| Tier 1 risk-based capital ratio | 18.8973% | 2,041 |
| Total risk-based capital ratio | 20.1530% | 2,003 |
| Memoranda: | ||
| Average total assets | $161,153,750 | 3,632 |
| Average earning assets | $142,764,250 | 3,721 |
| Average equity | $21,681,750 | 3,038 |
| Average total loans | $97,059,250 | 3,634 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2354% | 1,172 |
| Cost of funding earning assets | 0.6041% | 4,868 |
| Net interest margin | 4.6313% | 780 |
| Noninterest income to average assets | 0.9286% | 1,676 |
| Noninterest expense to average assets | 3.4345% | 1,947 |
| Loan and lease loss provision to assets | 0.3928% | 1,673 |
| Net operating income to assets | 1.0887% | 2,079 |
| Return on assets (ROA) | 1.1344% | 2,150 |
| Pretax return on assets | 1.2398% | 2,766 |
| Return on Equity (ROE) | 8.4243% | 3,058 |
| Retained earnings to average equity (ytd only) | 4.2867% | 3,757 |
| Net charge-offs to loans | 0.1997% | 3,384 |
| Credit loss provision to net charge-offs | 329.4737% | 902 |
| Earnings coverage of net charge-offs (x) | 13.2737% | 1,806 |
| Efficiency ratio | 68.4592% | 4,050 |
| Assets per employee ($millions) | 3.0310% | 6,005 |
| Cash dividends to net income (ytd only)* | 49.1150% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 2,535 |
| Loan loss allowance to noncurrent loans | 412.1212% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 5,551 |
| Noncurrent loans to loans | 0.4625% | 5,608 |
| Net loans and leases to total assets | 59.8634% | 3,850 |
| Net loans and leases to deposits | 70.1249% | 3,873 |
| Net loans and leases to core deposits | 78.4050% | 3,459 |
| Total domestic deposits to total assets | 85.3668% | 3,682 |
| Equity capital to assets | 13.3031% | 1,394 |
| Core capital (leverage) ratio | 13.1534% | 1,109 |
| Tier 1 risk-based capital ratio | 18.9530% | 1,980 |
| Total risk-based capital ratio | 20.2082% | 1,959 |
| Memoranda: | ||
| Average total assets | $159,384,000 | 3,674 |
| Average earning assets | $140,696,330 | 3,772 |
| Average equity | $21,461,670 | 3,050 |
| Average total loans | $95,155,000 | 3,687 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3236% | 1,049 |
| Cost of funding earning assets | 0.6329% | 4,866 |
| Net interest margin | 4.6907% | 695 |
| Noninterest income to average assets | 1.0277% | 1,355 |
| Noninterest expense to average assets | 3.3783% | 2,062 |
| Loan and lease loss provision to assets | 0.6182% | 909 |
| Net operating income to assets | 1.0574% | 2,261 |
| Return on assets (ROA) | 1.0481% | 2,482 |
| Pretax return on assets | 1.1498% | 3,111 |
| Return on Equity (ROE) | 7.7351% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.6511% | 3,168 |
| Net charge-offs to loans | 0.0431% | 4,088 |
| Credit loss provision to net charge-offs | 2,430.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 69.9000% | 480 |
| Efficiency ratio | 65.5155% | 4,650 |
| Assets per employee ($millions) | 3.0018% | 6,148 |
| Cash dividends to net income (ytd only)* | 26.9417% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0378% | 2,246 |
| Loan loss allowance to noncurrent loans | 279.5918% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 5,022 |
| Noncurrent loans to loans | 0.7288% | 5,204 |
| Net loans and leases to total assets | 57.9559% | 4,044 |
| Net loans and leases to deposits | 67.9482% | 4,072 |
| Net loans and leases to core deposits | 76.3723% | 3,575 |
| Total domestic deposits to total assets | 85.2943% | 3,882 |
| Equity capital to assets | 13.4712% | 1,250 |
| Core capital (leverage) ratio | 13.3135% | 1,018 |
| Tier 1 risk-based capital ratio | 19.5023% | 1,839 |
| Total risk-based capital ratio | 20.7591% | 1,809 |
| Memoranda: | ||
| Average total assets | $157,238,000 | 3,739 |
| Average earning assets | $138,402,500 | 3,845 |
| Average equity | $21,305,500 | 3,071 |
| Average total loans | $92,789,500 | 3,761 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 1,523 |
| Cost of funding earning assets | 0.7332% | 5,321 |
| Net interest margin | 4.6289% | 866 |
| Noninterest income to average assets | 0.8809% | 1,742 |
| Noninterest expense to average assets | 3.5418% | 1,881 |
| Loan and lease loss provision to assets | 0.6927% | 1,476 |
| Net operating income to assets | 0.6854% | 3,554 |
| Return on assets (ROA) | 0.8070% | 3,170 |
| Pretax return on assets | 0.8462% | 3,791 |
| Return on Equity (ROE) | 5.9350% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.3019% | 4,578 |
| Net charge-offs to loans | 1.0502% | 1,656 |
| Credit loss provision to net charge-offs | 113.2479% | 2,907 |
| Earnings coverage of net charge-offs (x) | 2.3066% | 4,066 |
| Efficiency ratio | 71.5134% | 3,686 |
| Assets per employee ($millions) | 2.9881% | 6,109 |
| Cash dividends to net income (ytd only)* | 61.2146% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 2,732 |
| Loan loss allowance to noncurrent loans | 277.3026% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 5,221 |
| Noncurrent loans to loans | 0.6648% | 5,373 |
| Net loans and leases to total assets | 57.7741% | 4,417 |
| Net loans and leases to deposits | 68.3467% | 4,391 |
| Net loans and leases to core deposits | 76.7626% | 3,867 |
| Total domestic deposits to total assets | 84.5309% | 4,073 |
| Equity capital to assets | 13.6304% | 1,203 |
| Core capital (leverage) ratio | 13.2257% | 1,063 |
| Tier 1 risk-based capital ratio | 19.3085% | 1,813 |
| Total risk-based capital ratio | 20.5626% | 1,783 |
| Memoranda: | ||
| Average total assets | $153,030,800 | 3,753 |
| Average earning assets | $134,610,800 | 3,843 |
| Average equity | $20,808,600 | 3,030 |
| Average total loans | $89,126,000 | 3,878 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 1,625 |
| Cost of funding earning assets | 0.7421% | 5,506 |
| Net interest margin | 4.6232% | 906 |
| Noninterest income to average assets | 0.8851% | 1,705 |
| Noninterest expense to average assets | 3.5335% | 1,851 |
| Loan and lease loss provision to assets | 0.6997% | 1,376 |
| Net operating income to assets | 0.6653% | 3,794 |
| Return on assets (ROA) | 0.7775% | 3,431 |
| Pretax return on assets | 0.8510% | 3,947 |
| Return on Equity (ROE) | 5.7217% | 4,161 |
| Retained earnings to average equity (ytd only) | 1.2036% | 5,531 |
| Net charge-offs to loans | 0.7318% | 2,094 |
| Credit loss provision to net charge-offs | 164.6091% | 1,851 |
| Earnings coverage of net charge-offs (x) | 3.3581% | 3,472 |
| Efficiency ratio | 71.2271% | 3,701 |
| Assets per employee ($millions) | 2.9710% | 6,185 |
| Cash dividends to net income (ytd only)* | 78.9657% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 2,052 |
| Loan loss allowance to noncurrent loans | 215.6322% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 4,822 |
| Noncurrent loans to loans | 0.9762% | 4,936 |
| Net loans and leases to total assets | 55.4053% | 4,935 |
| Net loans and leases to deposits | 65.1868% | 5,028 |
| Net loans and leases to core deposits | 72.6870% | 4,625 |
| Total domestic deposits to total assets | 84.9948% | 3,766 |
| Equity capital to assets | 13.3649% | 1,431 |
| Core capital (leverage) ratio | 13.0733% | 1,200 |
| Tier 1 risk-based capital ratio | 19.2385% | 1,870 |
| Total risk-based capital ratio | 20.4945% | 1,838 |
| Memoranda: | ||
| Average total assets | $152,443,250 | 3,785 |
| Average earning assets | $134,390,500 | 3,877 |
| Average equity | $20,716,000 | 3,050 |
| Average total loans | $88,543,500 | 3,937 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 1,640 |
| Cost of funding earning assets | 0.7587% | 5,630 |
| Net interest margin | 4.6138% | 886 |
| Noninterest income to average assets | 0.8649% | 1,757 |
| Noninterest expense to average assets | 3.5233% | 1,923 |
| Loan and lease loss provision to assets | 0.6195% | 1,542 |
| Net operating income to assets | 0.7352% | 3,363 |
| Return on assets (ROA) | 0.8145% | 3,137 |
| Pretax return on assets | 0.8901% | 3,653 |
| Return on Equity (ROE) | 5.9593% | 3,995 |
| Retained earnings to average equity (ytd only) | 0.3106% | 5,717 |
| Net charge-offs to loans | 1.0504% | 1,496 |
| Credit loss provision to net charge-offs | 100.6466% | 3,081 |
| Earnings coverage of net charge-offs (x) | 2.3125% | 3,673 |
| Efficiency ratio | 71.2255% | 3,896 |
| Assets per employee ($millions) | 2.8746% | 6,342 |
| Cash dividends to net income (ytd only)* | 94.7883% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 3,149 |
| Loan loss allowance to noncurrent loans | 212.0596% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 5,454 |
| Noncurrent loans to loans | 0.8256% | 5,279 |
| Net loans and leases to total assets | 57.6470% | 4,698 |
| Net loans and leases to deposits | 67.7803% | 4,741 |
| Net loans and leases to core deposits | 76.3375% | 4,266 |
| Total domestic deposits to total assets | 85.0499% | 3,854 |
| Equity capital to assets | 13.6578% | 1,221 |
| Core capital (leverage) ratio | 13.2238% | 1,080 |
| Tier 1 risk-based capital ratio | 19.1390% | 1,805 |
| Total risk-based capital ratio | 20.3933% | 1,764 |
| Memoranda: | ||
| Average total assets | $150,769,330 | 3,833 |
| Average earning assets | $133,383,330 | 3,918 |
| Average equity | $20,606,330 | 3,051 |
| Average total loans | $88,351,330 | 3,980 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 1,877 |
| Cost of funding earning assets | 0.7853% | 5,642 |
| Net interest margin | 4.5108% | 1,048 |
| Noninterest income to average assets | 0.8268% | 1,937 |
| Noninterest expense to average assets | 3.5312% | 1,927 |
| Loan and lease loss provision to assets | 0.6001% | 1,435 |
| Net operating income to assets | 0.6701% | 3,657 |
| Return on assets (ROA) | 0.8481% | 2,846 |
| Pretax return on assets | 0.8988% | 3,499 |
| Return on Equity (ROE) | 6.2032% | 3,781 |
| Retained earnings to average equity (ytd only) | -0.9949% | 5,988 |
| Net charge-offs to loans | 0.4463% | 2,359 |
| Credit loss provision to net charge-offs | 229.5918% | 1,332 |
| Earnings coverage of net charge-offs (x) | 5.0102% | 2,350 |
| Efficiency ratio | 72.9477% | 3,694 |
| Assets per employee ($millions) | 2.9137% | 6,320 |
| Cash dividends to net income (ytd only)* | 116.0377% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 2,683 |
| Loan loss allowance to noncurrent loans | 221.6535% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 5,276 |
| Noncurrent loans to loans | 0.8582% | 5,327 |
| Net loans and leases to total assets | 57.4915% | 4,724 |
| Net loans and leases to deposits | 67.4059% | 4,762 |
| Net loans and leases to core deposits | 75.1147% | 4,411 |
| Total domestic deposits to total assets | 85.2915% | 3,889 |
| Equity capital to assets | 13.5139% | 1,179 |
| Core capital (leverage) ratio | 13.3602% | 1,007 |
| Tier 1 risk-based capital ratio | 19.2365% | 1,743 |
| Total risk-based capital ratio | 20.4910% | 1,712 |
| Memoranda: | ||
| Average total assets | $149,977,500 | 3,877 |
| Average earning assets | $133,457,000 | 3,945 |
| Average equity | $20,505,500 | 3,052 |
| Average total loans | $87,831,000 | 4,020 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 1,813 |
| Cost of funding earning assets | 0.9980% | 5,705 |
| Net interest margin | 4.6233% | 957 |
| Noninterest income to average assets | 1.0303% | 1,413 |
| Noninterest expense to average assets | 3.4400% | 2,330 |
| Loan and lease loss provision to assets | 0.7833% | 2,083 |
| Net operating income to assets | 0.8168% | 2,724 |
| Return on assets (ROA) | 0.8119% | 2,879 |
| Pretax return on assets | 0.8581% | 3,446 |
| Return on Equity (ROE) | 6.1261% | 3,560 |
| Retained earnings to average equity (ytd only) | 3.4186% | 3,474 |
| Net charge-offs to loans | 1.5341% | 1,431 |
| Credit loss provision to net charge-offs | 90.9434% | 5,085 |
| Earnings coverage of net charge-offs (x) | 1.9117% | 4,293 |
| Efficiency ratio | 67.6294% | 4,641 |
| Assets per employee ($millions) | 2.9107% | 6,296 |
| Cash dividends to net income (ytd only)* | 44.1954% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7982% | 2,871 |
| Loan loss allowance to noncurrent loans | 130.9304% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 5,052 |
| Noncurrent loans to loans | 1.3734% | 4,425 |
| Net loans and leases to total assets | 57.4661% | 5,116 |
| Net loans and leases to deposits | 67.7056% | 5,142 |
| Net loans and leases to core deposits | 76.1441% | 4,691 |
| Total domestic deposits to total assets | 84.8765% | 3,915 |
| Equity capital to assets | 13.8342% | 1,089 |
| Core capital (leverage) ratio | 13.1638% | 1,074 |
| Tier 1 risk-based capital ratio | 19.8477% | 1,514 |
| Total risk-based capital ratio | 21.1007% | 1,488 |
| Memoranda: | ||
| Average total assets | $153,835,400 | 3,808 |
| Average earning assets | $134,968,600 | 3,912 |
| Average equity | $20,388,200 | 3,094 |
| Average total loans | $86,371,000 | 4,147 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6303% | 1,943 |
| Cost of funding earning assets | 1.0358% | 5,771 |
| Net interest margin | 4.5945% | 1,059 |
| Noninterest income to average assets | 1.0413% | 1,336 |
| Noninterest expense to average assets | 3.3980% | 2,302 |
| Loan and lease loss provision to assets | 0.8205% | 1,845 |
| Net operating income to assets | 0.8187% | 2,923 |
| Return on assets (ROA) | 0.8119% | 3,096 |
| Pretax return on assets | 0.8291% | 3,803 |
| Return on Equity (ROE) | 6.1911% | 3,730 |
| Retained earnings to average equity (ytd only) | 2.6206% | 4,581 |
| Net charge-offs to loans | 1.6850% | 1,169 |
| Credit loss provision to net charge-offs | 87.6147% | 4,869 |
| Earnings coverage of net charge-offs (x) | 1.7688% | 4,389 |
| Efficiency ratio | 67.2276% | 4,618 |
| Assets per employee ($millions) | 3.0661% | 5,996 |
| Cash dividends to net income (ytd only)* | 57.6720% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8209% | 2,721 |
| Loan loss allowance to noncurrent loans | 108.3333% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 1.1159% | 4,885 |
| Noncurrent loans to loans | 1.6809% | 4,118 |
| Net loans and leases to total assets | 53.3404% | 5,939 |
| Net loans and leases to deposits | 62.4032% | 6,076 |
| Net loans and leases to core deposits | 70.8311% | 5,663 |
| Total domestic deposits to total assets | 85.4770% | 3,364 |
| Equity capital to assets | 13.2683% | 1,464 |
| Core capital (leverage) ratio | 12.7303% | 1,322 |
| Tier 1 risk-based capital ratio | 19.4620% | 1,651 |
| Total risk-based capital ratio | 20.7147% | 1,620 |
| Memoranda: | ||
| Average total assets | $155,183,250 | 3,840 |
| Average earning assets | $135,548,500 | 3,958 |
| Average equity | $20,351,250 | 3,144 |
| Average total loans | $86,247,000 | 4,217 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9207% | 1,134 |
| Cost of funding earning assets | 1.0651% | 5,845 |
| Net interest margin | 4.8556% | 596 |
| Noninterest income to average assets | 0.7714% | 2,277 |
| Noninterest expense to average assets | 3.3104% | 2,532 |
| Loan and lease loss provision to assets | 0.8722% | 1,670 |
| Net operating income to assets | 0.8372% | 2,792 |
| Return on assets (ROA) | 0.8269% | 2,992 |
| Pretax return on assets | 0.8373% | 3,750 |
| Return on Equity (ROE) | 6.3307% | 3,632 |
| Retained earnings to average equity (ytd only) | 2.4136% | 4,625 |
| Net charge-offs to loans | 1.5760% | 1,204 |
| Credit loss provision to net charge-offs | 98.8287% | 4,154 |
| Earnings coverage of net charge-offs (x) | 1.9488% | 4,058 |
| Efficiency ratio | 65.8104% | 5,018 |
| Assets per employee ($millions) | 3.1850% | 5,713 |
| Cash dividends to net income (ytd only)* | 61.8750% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 2,290 |
| Loan loss allowance to noncurrent loans | 122.9075% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 4,733 |
| Noncurrent loans to loans | 1.5911% | 4,322 |
| Net loans and leases to total assets | 53.7763% | 6,017 |
| Net loans and leases to deposits | 62.7606% | 6,162 |
| Net loans and leases to core deposits | 71.0683% | 5,764 |
| Total domestic deposits to total assets | 85.6848% | 3,271 |
| Equity capital to assets | 13.1496% | 1,498 |
| Core capital (leverage) ratio | 12.6669% | 1,340 |
| Tier 1 risk-based capital ratio | 19.2498% | 1,664 |
| Total risk-based capital ratio | 20.5024% | 1,626 |
| Memoranda: | ||
| Average total assets | $154,786,670 | 3,877 |
| Average earning assets | $135,761,670 | 3,983 |
| Average equity | $20,219,000 | 3,148 |
| Average total loans | $86,677,000 | 4,237 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0132% | 954 |
| Cost of funding earning assets | 1.1052% | 5,881 |
| Net interest margin | 4.9080% | 509 |
| Noninterest income to average assets | 0.7370% | 2,372 |
| Noninterest expense to average assets | 3.2929% | 2,552 |
| Loan and lease loss provision to assets | 0.7785% | 1,622 |
| Net operating income to assets | 0.9363% | 2,406 |
| Return on assets (ROA) | 0.9160% | 2,552 |
| Pretax return on assets | 0.9316% | 3,337 |
| Return on Equity (ROE) | 7.0363% | 3,321 |
| Retained earnings to average equity (ytd only) | -0.4186% | 5,926 |
| Net charge-offs to loans | 1.1558% | 1,457 |
| Credit loss provision to net charge-offs | 119.0476% | 2,927 |
| Earnings coverage of net charge-offs (x) | 2.6468% | 3,210 |
| Efficiency ratio | 65.5475% | 5,213 |
| Assets per employee ($millions) | 3.1580% | 5,864 |
| Cash dividends to net income (ytd only)* | 105.9490% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9828% | 2,232 |
| Loan loss allowance to noncurrent loans | 111.6129% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5219% | 4,218 |
| Noncurrent loans to loans | 1.7765% | 4,087 |
| Net loans and leases to total assets | 55.2682% | 5,850 |
| Net loans and leases to deposits | 64.3642% | 6,021 |
| Net loans and leases to core deposits | 70.8509% | 5,840 |
| Total domestic deposits to total assets | 85.8679% | 3,224 |
| Equity capital to assets | 12.9411% | 1,547 |
| Core capital (leverage) ratio | 12.6248% | 1,358 |
| Tier 1 risk-based capital ratio | 18.6173% | 1,810 |
| Total risk-based capital ratio | 19.8717% | 1,775 |
| Memoranda: | ||
| Average total assets | $154,147,500 | 3,946 |
| Average earning assets | $134,637,000 | 4,065 |
| Average equity | $20,067,500 | 3,199 |
| Average total loans | $87,215,500 | 4,286 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2829% | 1,060 |
| Cost of funding earning assets | 1.7654% | 4,173 |
| Net interest margin | 4.5175% | 1,144 |
| Noninterest income to average assets | 0.9151% | 1,886 |
| Noninterest expense to average assets | 3.3455% | 2,853 |
| Loan and lease loss provision to assets | 0.4972% | 3,889 |
| Net operating income to assets | 1.0405% | 1,703 |
| Return on assets (ROA) | 0.9742% | 1,986 |
| Pretax return on assets | 1.0212% | 2,520 |
| Return on Equity (ROE) | 7.8390% | 2,442 |
| Retained earnings to average equity (ytd only) | 3.8940% | 2,487 |
| Net charge-offs to loans | 1.5294% | 1,636 |
| Credit loss provision to net charge-offs | 55.8887% | 6,682 |
| Earnings coverage of net charge-offs (x) | 1.7852% | 4,384 |
| Efficiency ratio | 67.8080% | 5,041 |
| Assets per employee ($millions) | 3.0711% | 6,049 |
| Cash dividends to net income (ytd only)* | 50.3259% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 2,194 |
| Loan loss allowance to noncurrent loans | 290.5009% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.9332% | 5,238 |
| Noncurrent loans to loans | 0.6642% | 5,915 |
| Net loans and leases to total assets | 55.6784% | 6,000 |
| Net loans and leases to deposits | 64.9293% | 6,165 |
| Net loans and leases to core deposits | 91.1880% | 4,988 |
| Total domestic deposits to total assets | 85.7523% | 3,138 |
| Equity capital to assets | 13.0963% | 1,472 |
| Core capital (leverage) ratio | 12.5125% | 1,451 |
| Tier 1 risk-based capital ratio | 18.2588% | 1,826 |
| Total risk-based capital ratio | 19.5130% | 1,776 |
| Memoranda: | ||
| Average total assets | $157,466,800 | 3,822 |
| Average earning assets | $140,077,800 | 3,903 |
| Average equity | $19,568,800 | 3,270 |
| Average total loans | $91,603,200 | 4,173 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3062% | 1,127 |
| Cost of funding earning assets | 1.8427% | 4,186 |
| Net interest margin | 4.4635% | 1,282 |
| Noninterest income to average assets | 0.7700% | 2,598 |
| Noninterest expense to average assets | 3.2869% | 2,964 |
| Loan and lease loss provision to assets | 0.3147% | 4,457 |
| Net operating income to assets | 1.1314% | 1,632 |
| Return on assets (ROA) | 1.0653% | 1,893 |
| Pretax return on assets | 1.0973% | 2,583 |
| Return on Equity (ROE) | 8.6858% | 2,380 |
| Retained earnings to average equity (ytd only) | 3.5813% | 3,284 |
| Net charge-offs to loans | 1.0844% | 1,838 |
| Credit loss provision to net charge-offs | 49.6021% | 6,314 |
| Earnings coverage of net charge-offs (x) | 2.3329% | 4,072 |
| Efficiency ratio | 68.9497% | 4,798 |
| Assets per employee ($millions) | 3.1217% | 5,851 |
| Cash dividends to net income (ytd only)* | 58.7680% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1726% | 1,468 |
| Loan loss allowance to noncurrent loans | 327.0869% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 6,098 |
| Noncurrent loans to loans | 0.6642% | 5,972 |
| Net loans and leases to total assets | 55.3894% | 6,214 |
| Net loans and leases to deposits | 64.5646% | 6,445 |
| Net loans and leases to core deposits | 91.4693% | 5,286 |
| Total domestic deposits to total assets | 85.7891% | 2,810 |
| Equity capital to assets | 12.9462% | 1,715 |
| Core capital (leverage) ratio | 12.3663% | 1,632 |
| Tier 1 risk-based capital ratio | 18.0333% | 1,978 |
| Total risk-based capital ratio | 19.2892% | 1,924 |
| Memoranda: | ||
| Average total assets | $158,444,750 | 3,817 |
| Average earning assets | $141,888,750 | 3,891 |
| Average equity | $19,433,500 | 3,323 |
| Average total loans | $92,709,250 | 4,182 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3772% | 1,053 |
| Cost of funding earning assets | 1.9022% | 4,254 |
| Net interest margin | 4.4750% | 1,226 |
| Noninterest income to average assets | 0.7385% | 2,770 |
| Noninterest expense to average assets | 3.2393% | 3,196 |
| Loan and lease loss provision to assets | 0.3442% | 3,869 |
| Net operating income to assets | 1.1215% | 1,696 |
| Return on assets (ROA) | 1.0752% | 1,931 |
| Pretax return on assets | 1.1141% | 2,585 |
| Return on Equity (ROE) | 8.9280% | 2,386 |
| Retained earnings to average equity (ytd only) | 2.1068% | 4,174 |
| Net charge-offs to loans | 1.5252% | 1,245 |
| Credit loss provision to net charge-offs | 38.1616% | 5,929 |
| Earnings coverage of net charge-offs (x) | 1.6699% | 4,295 |
| Efficiency ratio | 68.2636% | 5,113 |
| Assets per employee ($millions) | 2.9827% | 6,180 |
| Cash dividends to net income (ytd only)* | 76.4019% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0417% | 1,493 |
| Loan loss allowance to noncurrent loans | 12,373.3333% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 6,639 |
| Noncurrent loans to loans | 0.0165% | 7,512 |
| Net loans and leases to total assets | 57.4132% | 6,048 |
| Net loans and leases to deposits | 66.4411% | 6,349 |
| Net loans and leases to core deposits | 95.6046% | 4,948 |
| Total domestic deposits to total assets | 86.4122% | 2,561 |
| Equity capital to assets | 12.4570% | 1,941 |
| Core capital (leverage) ratio | 11.9629% | 1,849 |
| Tier 1 risk-based capital ratio | 17.6010% | 2,111 |
| Total risk-based capital ratio | 18.8472% | 2,070 |
| Memoranda: | ||
| Average total assets | $159,231,670 | 3,844 |
| Average earning assets | $142,569,330 | 3,888 |
| Average equity | $19,175,670 | 3,369 |
| Average total loans | $94,154,330 | 4,163 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3872% | 1,092 |
| Cost of funding earning assets | 1.9445% | 4,401 |
| Net interest margin | 4.4427% | 1,242 |
| Noninterest income to average assets | 0.6894% | 2,952 |
| Noninterest expense to average assets | 3.1644% | 3,136 |
| Loan and lease loss provision to assets | 0.4489% | 2,673 |
| Net operating income to assets | 0.9994% | 2,310 |
| Return on assets (ROA) | 0.9994% | 2,448 |
| Pretax return on assets | 1.0763% | 3,077 |
| Return on Equity (ROE) | 8.4385% | 2,948 |
| Retained earnings to average equity (ytd only) | -1.8845% | 6,077 |
| Net charge-offs to loans | 2.0464% | 709 |
| Credit loss provision to net charge-offs | 36.9388% | 4,854 |
| Earnings coverage of net charge-offs (x) | 1.2551% | 4,116 |
| Efficiency ratio | 67.4775% | 5,053 |
| Assets per employee ($millions) | 3.1699% | 5,676 |
| Cash dividends to net income (ytd only)* | 122.3325% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 1,212 |
| Loan loss allowance to noncurrent loans | 345.0607% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.7819% | 5,219 |
| Noncurrent loans to loans | 0.6116% | 5,871 |
| Net loans and leases to total assets | 57.1248% | 6,078 |
| Net loans and leases to deposits | 67.3306% | 6,240 |
| Net loans and leases to core deposits | 96.1910% | 4,949 |
| Total domestic deposits to total assets | 84.8423% | 3,278 |
| Equity capital to assets | 11.7161% | 2,434 |
| Core capital (leverage) ratio | 11.4693% | 2,165 |
| Tier 1 risk-based capital ratio | 17.0351% | 2,327 |
| Total risk-based capital ratio | 18.2920% | 2,262 |
| Memoranda: | ||
| Average total assets | $161,296,500 | 3,809 |
| Average earning assets | $145,227,000 | 3,849 |
| Average equity | $19,103,000 | 3,403 |
| Average total loans | $95,779,000 | 4,153 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2153% | 713 |
| Cost of funding earning assets | 2.5972% | 3,701 |
| Net interest margin | 4.6181% | 1,133 |
| Noninterest income to average assets | 0.9609% | 1,722 |
| Noninterest expense to average assets | 3.2539% | 3,141 |
| Loan and lease loss provision to assets | 0.8901% | 1,677 |
| Net operating income to assets | 0.8423% | 3,256 |
| Return on assets (ROA) | 0.8913% | 2,875 |
| Pretax return on assets | 1.0112% | 3,340 |
| Return on Equity (ROE) | 7.5679% | 3,254 |
| Retained earnings to average equity (ytd only) | -0.7866% | 5,539 |
| Net charge-offs to loans | 0.2811% | 3,522 |
| Credit loss provision to net charge-offs | 526.8817% | 827 |
| Earnings coverage of net charge-offs (x) | 10.9247% | 2,444 |
| Efficiency ratio | 63.8091% | 5,602 |
| Assets per employee ($millions) | 3.1554% | 5,607 |
| Cash dividends to net income (ytd only)* | 110.3940% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3659% | 787 |
| Loan loss allowance to noncurrent loans | 4,893.6170% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 6,203 |
| Noncurrent loans to loans | 0.0483% | 7,315 |
| Net loans and leases to total assets | 58.9805% | 6,062 |
| Net loans and leases to deposits | 69.6021% | 6,315 |
| Net loans and leases to core deposits | 100.4200% | 4,785 |
| Total domestic deposits to total assets | 84.7396% | 2,957 |
| Equity capital to assets | 11.9713% | 2,305 |
| Core capital (leverage) ratio | 11.6609% | 2,147 |
| Tier 1 risk-based capital ratio | 16.4957% | 2,488 |
| Total risk-based capital ratio | 17.7551% | 2,413 |
| Memoranda: | ||
| Average total assets | $165,154,800 | 3,627 |
| Average earning assets | $148,005,800 | 3,691 |
| Average equity | $19,450,600 | 3,313 |
| Average total loans | $99,268,000 | 3,970 |