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 | 5.6976% | 929 |
| Cost of funding earning assets | 1.3867% | 2,265 |
| Net interest margin | 4.3109% | 799 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.5112% | 2,262 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 1.9501% | 499 |
| Return on assets (ROA) | 1.9501% | 474 |
| Pretax return on assets | 1.9501% | 720 |
| Return on Equity (ROE) | 12.4200% | 1,859 |
| Retained earnings to average equity (ytd only) | 7.1087% | 1,860 |
| Net charge-offs to loans | 0.6340% | 157 |
| Credit loss provision to net charge-offs | 92.6471% | 1,929 |
| Earnings coverage of net charge-offs (x) | 4.8064% | 2,561 |
| Efficiency ratio | 50.9689% | 3,912 |
| Assets per employee ($millions) | 5.0203% | 3,619 |
| Cash dividends to net income (ytd only)* | 42.7669% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,484 |
| Loan loss allowance to noncurrent loans | 31.1889% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 3.3120% | 57 |
| Noncurrent loans to loans | 3.7311% | 98 |
| Net loans and leases to total assets | 78.5400% | 809 |
| Net loans and leases to deposits | 93.6983% | 962 |
| Net loans and leases to core deposits | 103.2068% | 1,259 |
| Total domestic deposits to total assets | 83.8200% | 2,670 |
| Equity capital to assets | 15.8586% | 476 |
| Core capital (leverage) ratio | 16.6686% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $162,352,200 | 3,258 |
| Average earning assets | $155,118,800 | 3,210 |
| Average equity | $25,490,000 | 2,486 |
| Average total loans | $128,700,200 | 2,864 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5596% | 951 |
| Cost of funding earning assets | 1.2119% | 2,399 |
| Net interest margin | 4.3477% | 756 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.3864% | 2,555 |
| Loan and lease loss provision to assets | 0.4100% | 203 |
| Net operating income to assets | 2.1404% | 410 |
| Return on assets (ROA) | 2.1404% | 399 |
| Pretax return on assets | 2.1404% | 605 |
| Return on Equity (ROE) | 13.6700% | 1,743 |
| Retained earnings to average equity (ytd only) | 9.3774% | 1,582 |
| Net charge-offs to loans | 0.5783% | 153 |
| Credit loss provision to net charge-offs | 89.0090% | 1,698 |
| Earnings coverage of net charge-offs (x) | 5.5622% | 2,345 |
| Efficiency ratio | 48.3607% | 4,022 |
| Assets per employee ($millions) | 4.7167% | 3,797 |
| Cash dividends to net income (ytd only)* | 31.3922% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,547 |
| Loan loss allowance to noncurrent loans | 27.9125% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 3.8624% | 42 |
| Noncurrent loans to loans | 4.1717% | 72 |
| Net loans and leases to total assets | 81.0300% | 534 |
| Net loans and leases to deposits | 96.9747% | 688 |
| Net loans and leases to core deposits | 105.7872% | 1,026 |
| Total domestic deposits to total assets | 83.5600% | 2,885 |
| Equity capital to assets | 16.1316% | 438 |
| Core capital (leverage) ratio | 17.0961% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $161,522,750 | 3,273 |
| Average earning assets | $154,469,000 | 3,220 |
| Average equity | $25,294,250 | 2,486 |
| Average total loans | $127,963,000 | 2,878 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3465% | 1,019 |
| Cost of funding earning assets | 1.0507% | 2,455 |
| Net interest margin | 4.2958% | 811 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.4150% | 2,435 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.3767% | 280 |
| Return on assets (ROA) | 2.3767% | 275 |
| Pretax return on assets | 2.3767% | 416 |
| Return on Equity (ROE) | 15.3300% | 1,406 |
| Retained earnings to average equity (ytd only) | 11.5766% | 1,065 |
| Net charge-offs to loans | 0.1846% | 429 |
| Credit loss provision to net charge-offs | 42.7350% | 1,701 |
| Earnings coverage of net charge-offs (x) | 16.8718% | 1,816 |
| Efficiency ratio | 49.7582% | 3,949 |
| Assets per employee ($millions) | 4.8677% | 3,699 |
| Cash dividends to net income (ytd only)* | 24.4802% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,514 |
| Loan loss allowance to noncurrent loans | 25.2902% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 4.3110% | 36 |
| Noncurrent loans to loans | 4.6854% | 60 |
| Net loans and leases to total assets | 79.1700% | 719 |
| Net loans and leases to deposits | 94.6270% | 812 |
| Net loans and leases to core deposits | 100.9085% | 1,187 |
| Total domestic deposits to total assets | 83.6600% | 2,901 |
| Equity capital to assets | 16.0139% | 446 |
| Core capital (leverage) ratio | 17.0416% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $161,907,667 | 3,273 |
| Average earning assets | $155,128,667 | 3,232 |
| Average equity | $25,102,333 | 2,518 |
| Average total loans | $126,790,667 | 2,883 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1786% | 979 |
| Cost of funding earning assets | 0.9724% | 2,145 |
| Net interest margin | 4.2062% | 939 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.1779% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5052% | 240 |
| Return on assets (ROA) | 2.5052% | 238 |
| Pretax return on assets | 2.5052% | 355 |
| Return on Equity (ROE) | 16.4200% | 1,278 |
| Retained earnings to average equity (ytd only) | 15.8441% | 705 |
| Net charge-offs to loans | 0.4101% | 196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.8915% | 1,740 |
| Efficiency ratio | 46.5055% | 4,189 |
| Assets per employee ($millions) | 5.4003% | 3,319 |
| Cash dividends to net income (ytd only)* | 3.5363% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,711 |
| Loan loss allowance to noncurrent loans | 24.1220% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 4.2732% | 23 |
| Noncurrent loans to loans | 4.8526% | 60 |
| Net loans and leases to total assets | 76.2400% | 950 |
| Net loans and leases to deposits | 90.6403% | 1,002 |
| Net loans and leases to core deposits | 95.7171% | 1,301 |
| Total domestic deposits to total assets | 84.1200% | 3,068 |
| Equity capital to assets | 15.6176% | 431 |
| Core capital (leverage) ratio | 16.3424% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $162,544,000 | 3,314 |
| Average earning assets | $155,486,000 | 3,263 |
| Average equity | $24,791,500 | 2,561 |
| Average total loans | $125,837,500 | 2,924 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 751 |
| Cost of funding earning assets | 0.5729% | 1,003 |
| Net interest margin | 3.9037% | 950 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.2785% | 2,809 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 2.0727% | 257 |
| Return on assets (ROA) | 2.0727% | 250 |
| Pretax return on assets | 2.0727% | 401 |
| Return on Equity (ROE) | 14.7700% | 1,320 |
| Retained earnings to average equity (ytd only) | 7.7808% | 1,922 |
| Net charge-offs to loans | 0.3531% | 212 |
| Credit loss provision to net charge-offs | 23.6967% | 1,922 |
| Earnings coverage of net charge-offs (x) | 8.4929% | 2,265 |
| Efficiency ratio | 51.6590% | 4,013 |
| Assets per employee ($millions) | 5.2606% | 3,458 |
| Cash dividends to net income (ytd only)* | 47.3307% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,110 |
| Loan loss allowance to noncurrent loans | 27.1904% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 4.0416% | 25 |
| Noncurrent loans to loans | 4.6215% | 63 |
| Net loans and leases to total assets | 76.7100% | 931 |
| Net loans and leases to deposits | 90.3483% | 1,032 |
| Net loans and leases to core deposits | 94.6572% | 1,265 |
| Total domestic deposits to total assets | 84.9100% | 3,016 |
| Equity capital to assets | 14.8892% | 480 |
| Core capital (leverage) ratio | 15.9997% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $168,092,800 | 3,282 |
| Average earning assets | $159,001,800 | 3,255 |
| Average equity | $23,583,800 | 2,665 |
| Average total loans | $119,505,400 | 2,925 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2058% | 882 |
| Cost of funding earning assets | 0.5079% | 730 |
| Net interest margin | 3.6979% | 1,141 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.3431% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8211% | 412 |
| Return on assets (ROA) | 1.8211% | 403 |
| Pretax return on assets | 1.8211% | 701 |
| Return on Equity (ROE) | 13.1700% | 1,652 |
| Retained earnings to average equity (ytd only) | 5.9405% | 2,771 |
| Net charge-offs to loans | 0.4146% | 151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.3197% | 2,118 |
| Efficiency ratio | 56.2677% | 3,600 |
| Assets per employee ($millions) | 4.8758% | 3,785 |
| Cash dividends to net income (ytd only)* | 54.9070% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,270 |
| Loan loss allowance to noncurrent loans | 20.6676% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 5.3748% | 13 |
| Noncurrent loans to loans | 6.0383% | 37 |
| Net loans and leases to total assets | 78.5100% | 664 |
| Net loans and leases to deposits | 92.5601% | 733 |
| Net loans and leases to core deposits | 95.9120% | 1,006 |
| Total domestic deposits to total assets | 84.8200% | 3,328 |
| Equity capital to assets | 14.9098% | 458 |
| Core capital (leverage) ratio | 15.2729% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $169,346,500 | 3,302 |
| Average earning assets | $159,870,500 | 3,267 |
| Average equity | $23,409,500 | 2,715 |
| Average total loans | $117,709,000 | 2,947 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 1,014 |
| Cost of funding earning assets | 0.4961% | 527 |
| Net interest margin | 3.4581% | 1,422 |
| Noninterest income to average assets | 0.6318% | 1,610 |
| Noninterest expense to average assets | 2.1820% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6986% | 432 |
| Return on assets (ROA) | 1.6986% | 424 |
| Pretax return on assets | 1.6986% | 756 |
| Return on Equity (ROE) | 12.5840% | 1,497 |
| Retained earnings to average equity (ytd only) | 5.5929% | 2,479 |
| Net charge-offs to loans | 0.6246% | 99 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.0886% | 1,970 |
| Efficiency ratio | 56.2278% | 3,752 |
| Assets per employee ($millions) | 5.1999% | 3,513 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,150 |
| Loan loss allowance to noncurrent loans | 21.4236% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 4.9256% | 14 |
| Noncurrent loans to loans | 6.1117% | 40 |
| Net loans and leases to total assets | 70.3472% | 1,268 |
| Net loans and leases to deposits | 81.8229% | 1,259 |
| Net loans and leases to core deposits | 84.5535% | 1,417 |
| Total domestic deposits to total assets | 85.9750% | 3,253 |
| Equity capital to assets | 13.8369% | 542 |
| Core capital (leverage) ratio | 13.8503% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,787,000 | 3,301 |
| Average earning assets | $163,267,000 | 3,288 |
| Average equity | $23,458,333 | 2,783 |
| Average total loans | $115,598,000 | 2,997 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8916% | 937 |
| Cost of funding earning assets | 0.4937% | 512 |
| Net interest margin | 3.3978% | 1,301 |
| Noninterest income to average assets | 0.6581% | 1,453 |
| Noninterest expense to average assets | 2.0396% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7669% | 352 |
| Return on assets (ROA) | 1.7669% | 353 |
| Pretax return on assets | 1.7669% | 588 |
| Return on Equity (ROE) | 13.2458% | 991 |
| Retained earnings to average equity (ytd only) | 13.2458% | 446 |
| Net charge-offs to loans | -0.2840% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5820% | 4,083 |
| Assets per employee ($millions) | 5.6099% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7678% | 932 |
| Loan loss allowance to noncurrent loans | 25.6163% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 4.9110% | 20 |
| Noncurrent loans to loans | 6.9011% | 36 |
| Net loans and leases to total assets | 61.7524% | 1,891 |
| Net loans and leases to deposits | 74.4310% | 1,563 |
| Net loans and leases to core deposits | 76.6782% | 1,733 |
| Total domestic deposits to total assets | 82.9660% | 3,943 |
| Equity capital to assets | 13.2266% | 649 |
| Core capital (leverage) ratio | 13.7654% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,482,500 | 3,278 |
| Average earning assets | $164,457,000 | 3,284 |
| Average equity | $23,675,500 | 2,856 |
| Average total loans | $114,093,000 | 3,014 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 555 |
| Cost of funding earning assets | 0.8269% | 178 |
| Net interest margin | 3.7205% | 1,167 |
| Noninterest income to average assets | 0.7277% | 1,672 |
| Noninterest expense to average assets | 2.0882% | 3,417 |
| Loan and lease loss provision to assets | 0.1141% | 1,100 |
| Net operating income to assets | 1.8839% | 424 |
| Return on assets (ROA) | 1.8839% | 451 |
| Pretax return on assets | 1.8839% | 752 |
| Return on Equity (ROE) | 14.1125% | 1,150 |
| Retained earnings to average equity (ytd only) | 5.9041% | 2,399 |
| Net charge-offs to loans | 0.2093% | 452 |
| Credit loss provision to net charge-offs | 81.9672% | 1,941 |
| Earnings coverage of net charge-offs (x) | 14.3484% | 2,033 |
| Efficiency ratio | 51.1034% | 4,191 |
| Assets per employee ($millions) | 5.4828% | 3,275 |
| Cash dividends to net income (ytd only)* | 58.1642% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 1,144 |
| Loan loss allowance to noncurrent loans | 24.6459% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 5.0140% | 26 |
| Noncurrent loans to loans | 6.7334% | 39 |
| Net loans and leases to total assets | 64.6465% | 1,627 |
| Net loans and leases to deposits | 78.2149% | 1,378 |
| Net loans and leases to core deposits | 80.7899% | 1,536 |
| Total domestic deposits to total assets | 82.6524% | 3,871 |
| Equity capital to assets | 13.4553% | 780 |
| Core capital (leverage) ratio | 13.3919% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,221,000 | 3,250 |
| Average earning assets | $158,176,000 | 3,296 |
| Average equity | $23,390,600 | 2,951 |
| Average total loans | $116,590,000 | 2,981 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 498 |
| Cost of funding earning assets | 0.9059% | 139 |
| Net interest margin | 3.7764% | 1,164 |
| Noninterest income to average assets | 0.7482% | 1,679 |
| Noninterest expense to average assets | 2.0864% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0887% | 401 |
| Return on assets (ROA) | 2.0887% | 424 |
| Pretax return on assets | 2.0887% | 686 |
| Return on Equity (ROE) | 15.6775% | 1,006 |
| Retained earnings to average equity (ytd only) | 9.2785% | 1,582 |
| Net charge-offs to loans | 0.0160% | 1,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 561 |
| Efficiency ratio | 49.9727% | 4,225 |
| Assets per employee ($millions) | 5.7013% | 2,991 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 1,175 |
| Loan loss allowance to noncurrent loans | 21.5880% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 5.3836% | 21 |
| Noncurrent loans to loans | 7.7357% | 32 |
| Net loans and leases to total assets | 64.7650% | 1,681 |
| Net loans and leases to deposits | 78.4098% | 1,448 |
| Net loans and leases to core deposits | 81.4286% | 1,617 |
| Total domestic deposits to total assets | 82.5981% | 3,802 |
| Equity capital to assets | 13.5612% | 832 |
| Core capital (leverage) ratio | 13.3194% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,164,250 | 3,285 |
| Average earning assets | $158,950,000 | 3,317 |
| Average equity | $23,336,500 | 2,991 |
| Average total loans | $116,903,750 | 3,020 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 374 |
| Cost of funding earning assets | 0.9896% | 112 |
| Net interest margin | 3.9573% | 874 |
| Noninterest income to average assets | 0.7238% | 1,736 |
| Noninterest expense to average assets | 2.0832% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2584% | 302 |
| Return on assets (ROA) | 2.2584% | 319 |
| Pretax return on assets | 2.2584% | 516 |
| Return on Equity (ROE) | 17.0544% | 773 |
| Retained earnings to average equity (ytd only) | 11.4330% | 1,028 |
| Net charge-offs to loans | -0.0120% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9821% | 4,388 |
| Assets per employee ($millions) | 5.6256% | 2,987 |
| Cash dividends to net income (ytd only)* | 32.9615% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 1,046 |
| Loan loss allowance to noncurrent loans | 21.2203% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 5.3622% | 28 |
| Noncurrent loans to loans | 8.0259% | 28 |
| Net loans and leases to total assets | 62.9995% | 2,063 |
| Net loans and leases to deposits | 77.0947% | 1,720 |
| Net loans and leases to core deposits | 79.8933% | 1,896 |
| Total domestic deposits to total assets | 81.7169% | 3,973 |
| Equity capital to assets | 13.1103% | 914 |
| Core capital (leverage) ratio | 13.1464% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,639,333 | 3,294 |
| Average earning assets | $159,653,667 | 3,316 |
| Average equity | $23,126,000 | 2,999 |
| Average total loans | $117,068,667 | 3,034 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 199 |
| Cost of funding earning assets | 1.0629% | 98 |
| Net interest margin | 4.3925% | 434 |
| Noninterest income to average assets | 0.7582% | 1,689 |
| Noninterest expense to average assets | 2.1397% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6746% | 204 |
| Return on assets (ROA) | 2.6746% | 228 |
| Pretax return on assets | 2.6746% | 340 |
| Return on Equity (ROE) | 20.0641% | 529 |
| Retained earnings to average equity (ytd only) | 20.0641% | 269 |
| Net charge-offs to loans | -0.0305% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4444% | 4,552 |
| Assets per employee ($millions) | 5.7153% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 1,066 |
| Loan loss allowance to noncurrent loans | 23.9236% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 6.0641% | 23 |
| Noncurrent loans to loans | 7.0661% | 46 |
| Net loans and leases to total assets | 64.5648% | 1,974 |
| Net loans and leases to deposits | 78.5206% | 1,668 |
| Net loans and leases to core deposits | 82.6126% | 1,792 |
| Total domestic deposits to total assets | 82.2265% | 3,845 |
| Equity capital to assets | 13.2085% | 858 |
| Core capital (leverage) ratio | 13.6151% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,987,500 | 3,313 |
| Average earning assets | $158,816,500 | 3,316 |
| Average equity | $22,926,500 | 3,002 |
| Average total loans | $117,931,500 | 3,032 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 921 |
| Cost of funding earning assets | 1.2234% | 255 |
| Net interest margin | 3.4616% | 2,590 |
| Noninterest income to average assets | 0.7262% | 1,762 |
| Noninterest expense to average assets | 2.3171% | 3,364 |
| Loan and lease loss provision to assets | 0.1906% | 2,041 |
| Net operating income to assets | 1.4956% | 821 |
| Return on assets (ROA) | 1.4956% | 896 |
| Pretax return on assets | 1.4956% | 1,340 |
| Return on Equity (ROE) | 10.3951% | 1,849 |
| Retained earnings to average equity (ytd only) | 0.8390% | 4,275 |
| Net charge-offs to loans | 0.0513% | 2,058 |
| Credit loss provision to net charge-offs | 476.1905% | 1,298 |
| Earnings coverage of net charge-offs (x) | 42.1270% | 1,339 |
| Efficiency ratio | 57.8797% | 3,737 |
| Assets per employee ($millions) | 5.5600% | 2,779 |
| Cash dividends to net income (ytd only)* | 91.9286% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 1,200 |
| Loan loss allowance to noncurrent loans | 20.6780% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 6.0455% | 32 |
| Noncurrent loans to loans | 7.9236% | 37 |
| Net loans and leases to total assets | 70.4708% | 1,500 |
| Net loans and leases to deposits | 86.0884% | 1,250 |
| Net loans and leases to core deposits | 90.7117% | 1,474 |
| Total domestic deposits to total assets | 81.8586% | 3,692 |
| Equity capital to assets | 13.4598% | 941 |
| Core capital (leverage) ratio | 13.3497% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,398,200 | 3,313 |
| Average earning assets | $149,007,000 | 3,277 |
| Average equity | $22,645,200 | 2,965 |
| Average total loans | $122,751,800 | 2,953 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 978 |
| Cost of funding earning assets | 1.2531% | 303 |
| Net interest margin | 3.4884% | 2,626 |
| Noninterest income to average assets | 0.7481% | 1,650 |
| Noninterest expense to average assets | 2.2891% | 3,449 |
| Loan and lease loss provision to assets | 0.1722% | 2,262 |
| Net operating income to assets | 1.5883% | 753 |
| Return on assets (ROA) | 1.5883% | 823 |
| Pretax return on assets | 1.5883% | 1,218 |
| Return on Equity (ROE) | 10.8515% | 1,730 |
| Retained earnings to average equity (ytd only) | 2.2502% | 3,844 |
| Net charge-offs to loans | 0.0766% | 1,547 |
| Credit loss provision to net charge-offs | 281.6901% | 1,821 |
| Earnings coverage of net charge-offs (x) | 28.8310% | 1,622 |
| Efficiency ratio | 56.5300% | 3,857 |
| Assets per employee ($millions) | 5.3784% | 2,816 |
| Cash dividends to net income (ytd only)* | 79.2637% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 1,323 |
| Loan loss allowance to noncurrent loans | 18.8679% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 6.5057% | 33 |
| Noncurrent loans to loans | 8.0752% | 44 |
| Net loans and leases to total assets | 74.1057% | 1,358 |
| Net loans and leases to deposits | 92.4528% | 1,038 |
| Net loans and leases to core deposits | 97.5007% | 1,344 |
| Total domestic deposits to total assets | 80.1552% | 3,830 |
| Equity capital to assets | 14.0352% | 850 |
| Core capital (leverage) ratio | 13.8834% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,047,500 | 3,316 |
| Average earning assets | $146,729,500 | 3,280 |
| Average equity | $22,693,750 | 2,960 |
| Average total loans | $123,563,750 | 2,949 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 1,078 |
| Cost of funding earning assets | 1.3065% | 353 |
| Net interest margin | 3.5337% | 2,691 |
| Noninterest income to average assets | 0.7571% | 1,559 |
| Noninterest expense to average assets | 2.1550% | 3,918 |
| Loan and lease loss provision to assets | 0.1308% | 2,711 |
| Net operating income to assets | 1.8137% | 484 |
| Return on assets (ROA) | 1.8137% | 536 |
| Pretax return on assets | 1.8137% | 792 |
| Return on Equity (ROE) | 12.2151% | 1,282 |
| Retained earnings to average equity (ytd only) | 8.2520% | 1,233 |
| Net charge-offs to loans | 0.1432% | 1,004 |
| Credit loss provision to net charge-offs | 112.3596% | 2,323 |
| Earnings coverage of net charge-offs (x) | 16.7079% | 1,847 |
| Efficiency ratio | 52.5678% | 4,321 |
| Assets per employee ($millions) | 5.0692% | 3,094 |
| Cash dividends to net income (ytd only)* | 32.4441% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,563 |
| Loan loss allowance to noncurrent loans | 17.9948% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 6.2652% | 38 |
| Noncurrent loans to loans | 7.8069% | 46 |
| Net loans and leases to total assets | 74.9362% | 1,287 |
| Net loans and leases to deposits | 93.7231% | 987 |
| Net loans and leases to core deposits | 98.1946% | 1,397 |
| Total domestic deposits to total assets | 79.9549% | 3,849 |
| Equity capital to assets | 14.3083% | 777 |
| Core capital (leverage) ratio | 14.4664% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,946,000 | 3,325 |
| Average earning assets | $144,664,667 | 3,285 |
| Average equity | $22,709,667 | 2,949 |
| Average total loans | $124,278,000 | 2,926 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 1,200 |
| Cost of funding earning assets | 1.3636% | 466 |
| Net interest margin | 3.5329% | 2,875 |
| Noninterest income to average assets | 0.7228% | 1,556 |
| Noninterest expense to average assets | 2.3599% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7099% | 503 |
| Return on assets (ROA) | 1.7099% | 555 |
| Pretax return on assets | 1.7099% | 844 |
| Return on Equity (ROE) | 11.2914% | 1,334 |
| Retained earnings to average equity (ytd only) | 11.2914% | 524 |
| Net charge-offs to loans | 0.1154% | 1,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 17.6111% | 1,488 |
| Efficiency ratio | 57.9854% | 4,003 |
| Assets per employee ($millions) | 4.7569% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 1,877 |
| Loan loss allowance to noncurrent loans | 18.1144% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 6.4564% | 40 |
| Noncurrent loans to loans | 7.4903% | 53 |
| Net loans and leases to total assets | 80.4776% | 638 |
| Net loans and leases to deposits | 100.2488% | 545 |
| Net loans and leases to core deposits | 104.8549% | 1,126 |
| Total domestic deposits to total assets | 80.2779% | 3,805 |
| Equity capital to assets | 14.9435% | 771 |
| Core capital (leverage) ratio | 15.3939% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,312,000 | 3,349 |
| Average earning assets | $140,508,000 | 3,304 |
| Average equity | $22,459,500 | 2,963 |
| Average total loans | $124,772,500 | 2,900 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8163% | 314 |
| Cost of funding earning assets | 1.2459% | 910 |
| Net interest margin | 4.5704% | 612 |
| Noninterest income to average assets | 0.8547% | 1,289 |
| Noninterest expense to average assets | 2.4973% | 3,457 |
| Loan and lease loss provision to assets | 0.2882% | 590 |
| Net operating income to assets | 2.3778% | 160 |
| Return on assets (ROA) | 2.3778% | 170 |
| Pretax return on assets | 2.3778% | 259 |
| Return on Equity (ROE) | 15.5242% | 603 |
| Retained earnings to average equity (ytd only) | 4.6118% | 2,640 |
| Net charge-offs to loans | 0.1882% | 1,075 |
| Credit loss provision to net charge-offs | 173.7288% | 1,494 |
| Earnings coverage of net charge-offs (x) | 16.0720% | 2,196 |
| Efficiency ratio | 48.3665% | 4,811 |
| Assets per employee ($millions) | 4.5197% | 3,191 |
| Cash dividends to net income (ytd only)* | 70.2926% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,354 |
| Loan loss allowance to noncurrent loans | 23.8222% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 4.9007% | 66 |
| Noncurrent loans to loans | 5.0955% | 97 |
| Net loans and leases to total assets | 85.6400% | 187 |
| Net loans and leases to deposits | 107.7979% | 228 |
| Net loans and leases to core deposits | 113.0478% | 714 |
| Total domestic deposits to total assets | 79.4449% | 4,092 |
| Equity capital to assets | 15.4863% | 688 |
| Core capital (leverage) ratio | 15.3234% | 622 |
| Tier 1 risk-based capital ratio | 19.9720% | 1,331 |
| Total risk-based capital ratio | 21.2251% | 1,304 |
| Memoranda: | ||
| Average total assets | $142,275,000 | 3,404 |
| Average earning assets | $134,124,200 | 3,366 |
| Average equity | $21,791,800 | 2,981 |
| Average total loans | $125,418,200 | 2,873 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8331% | 328 |
| Cost of funding earning assets | 1.2283% | 952 |
| Net interest margin | 4.6048% | 612 |
| Noninterest income to average assets | 0.8206% | 1,356 |
| Noninterest expense to average assets | 2.5078% | 3,413 |
| Loan and lease loss provision to assets | 0.0471% | 2,960 |
| Net operating income to assets | 2.6085% | 142 |
| Return on assets (ROA) | 2.6085% | 147 |
| Pretax return on assets | 2.6085% | 202 |
| Return on Equity (ROE) | 17.0789% | 467 |
| Retained earnings to average equity (ytd only) | 4.4299% | 3,177 |
| Net charge-offs to loans | -0.0372% | 4,770 |
| Credit loss provision to net charge-offs | -142.8571% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5693% | 4,819 |
| Assets per employee ($millions) | 4.5069% | 3,195 |
| Cash dividends to net income (ytd only)* | 74.0619% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,005 |
| Loan loss allowance to noncurrent loans | 22.3941% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 4.9376% | 75 |
| Noncurrent loans to loans | 4.9310% | 107 |
| Net loans and leases to total assets | 88.9870% | 66 |
| Net loans and leases to deposits | 111.8834% | 183 |
| Net loans and leases to core deposits | 117.3067% | 616 |
| Total domestic deposits to total assets | 79.5354% | 4,083 |
| Equity capital to assets | 15.1928% | 798 |
| Core capital (leverage) ratio | 15.2485% | 682 |
| Tier 1 risk-based capital ratio | 19.0004% | 1,569 |
| Total risk-based capital ratio | 20.2501% | 1,542 |
| Memoranda: | ||
| Average total assets | $141,686,000 | 3,446 |
| Average earning assets | $133,624,000 | 3,404 |
| Average equity | $21,640,250 | 3,007 |
| Average total loans | $125,426,750 | 2,906 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9836% | 242 |
| Cost of funding earning assets | 1.1985% | 1,003 |
| Net interest margin | 4.7850% | 416 |
| Noninterest income to average assets | 0.8151% | 1,296 |
| Noninterest expense to average assets | 2.4396% | 3,635 |
| Loan and lease loss provision to assets | 0.0710% | 2,397 |
| Net operating income to assets | 2.8174% | 105 |
| Return on assets (ROA) | 2.8174% | 110 |
| Pretax return on assets | 2.8174% | 153 |
| Return on Equity (ROE) | 18.4130% | 361 |
| Retained earnings to average equity (ytd only) | 5.4849% | 2,525 |
| Net charge-offs to loans | -0.0710% | 4,929 |
| Credit loss provision to net charge-offs | -113.6364% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7889% | 4,998 |
| Assets per employee ($millions) | 4.5860% | 3,017 |
| Cash dividends to net income (ytd only)* | 70.2117% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,830 |
| Loan loss allowance to noncurrent loans | 25.0043% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 4.5672% | 87 |
| Noncurrent loans to loans | 4.5682% | 129 |
| Net loans and leases to total assets | 87.7846% | 124 |
| Net loans and leases to deposits | 110.1171% | 216 |
| Net loans and leases to core deposits | 114.6944% | 747 |
| Total domestic deposits to total assets | 79.7193% | 4,094 |
| Equity capital to assets | 15.3132% | 744 |
| Core capital (leverage) ratio | 15.5886% | 608 |
| Tier 1 risk-based capital ratio | 19.3294% | 1,477 |
| Total risk-based capital ratio | 20.5798% | 1,447 |
| Memoranda: | ||
| Average total assets | $140,841,330 | 3,485 |
| Average earning assets | $132,830,670 | 3,440 |
| Average equity | $21,550,000 | 3,013 |
| Average total loans | $123,979,000 | 2,939 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0833% | 195 |
| Cost of funding earning assets | 1.1665% | 997 |
| Net interest margin | 4.9168% | 330 |
| Noninterest income to average assets | 0.6677% | 1,739 |
| Noninterest expense to average assets | 2.3827% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.9277% | 89 |
| Return on assets (ROA) | 2.9277% | 96 |
| Pretax return on assets | 2.9277% | 138 |
| Return on Equity (ROE) | 19.1418% | 318 |
| Retained earnings to average equity (ytd only) | 12.4627% | 546 |
| Net charge-offs to loans | -0.0977% | 5,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8684% | 5,074 |
| Assets per employee ($millions) | 4.5370% | 3,131 |
| Cash dividends to net income (ytd only)* | 34.8928% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,024 |
| Loan loss allowance to noncurrent loans | 35.1531% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 3.2372% | 176 |
| Noncurrent loans to loans | 3.1840% | 321 |
| Net loans and leases to total assets | 86.5544% | 157 |
| Net loans and leases to deposits | 106.5644% | 305 |
| Net loans and leases to core deposits | 110.6851% | 888 |
| Total domestic deposits to total assets | 81.2226% | 3,925 |
| Equity capital to assets | 15.4968% | 651 |
| Core capital (leverage) ratio | 15.5371% | 591 |
| Tier 1 risk-based capital ratio | 19.8764% | 1,358 |
| Total risk-based capital ratio | 21.1273% | 1,337 |
| Memoranda: | ||
| Average total assets | $140,179,500 | 3,529 |
| Average earning assets | $132,362,000 | 3,479 |
| Average equity | $21,440,000 | 3,031 |
| Average total loans | $122,848,000 | 2,988 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8363% | 223 |
| Cost of funding earning assets | 0.9793% | 819 |
| Net interest margin | 4.8570% | 353 |
| Noninterest income to average assets | 0.9181% | 1,132 |
| Noninterest expense to average assets | 2.5207% | 3,552 |
| Loan and lease loss provision to assets | 0.2447% | 706 |
| Net operating income to assets | 2.7024% | 110 |
| Return on assets (ROA) | 2.7024% | 110 |
| Pretax return on assets | 2.7024% | 144 |
| Return on Equity (ROE) | 17.8577% | 407 |
| Retained earnings to average equity (ytd only) | 9.1102% | 821 |
| Net charge-offs to loans | 0.2748% | 706 |
| Credit loss provision to net charge-offs | 98.8024% | 2,582 |
| Earnings coverage of net charge-offs (x) | 11.8982% | 2,592 |
| Efficiency ratio | 46.1006% | 5,118 |
| Assets per employee ($millions) | 4.6570% | 2,950 |
| Cash dividends to net income (ytd only)* | 48.9846% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,103 |
| Loan loss allowance to noncurrent loans | 36.8205% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 4.1951% | 100 |
| Noncurrent loans to loans | 2.9866% | 341 |
| Net loans and leases to total assets | 86.7741% | 187 |
| Net loans and leases to deposits | 106.3177% | 360 |
| Net loans and leases to core deposits | 110.9593% | 943 |
| Total domestic deposits to total assets | 81.6178% | 3,749 |
| Equity capital to assets | 15.0912% | 691 |
| Core capital (leverage) ratio | 15.5644% | 587 |
| Tier 1 risk-based capital ratio | 19.0143% | 1,516 |
| Total risk-based capital ratio | 20.2300% | 1,484 |
| Memoranda: | ||
| Average total assets | $134,841,800 | 3,580 |
| Average earning assets | $126,312,600 | 3,557 |
| Average equity | $20,405,800 | 3,056 |
| Average total loans | $121,543,800 | 2,976 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9455% | 169 |
| Cost of funding earning assets | 0.9332% | 794 |
| Net interest margin | 5.0123% | 260 |
| Noninterest income to average assets | 0.9220% | 1,135 |
| Noninterest expense to average assets | 2.5384% | 3,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 3.0563% | 77 |
| Return on assets (ROA) | 3.0563% | 77 |
| Pretax return on assets | 3.0892% | 106 |
| Return on Equity (ROE) | 20.1811% | 262 |
| Retained earnings to average equity (ytd only) | 11.7147% | 519 |
| Net charge-offs to loans | -0.0638% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1064% | 5,185 |
| Assets per employee ($millions) | 4.4946% | 3,137 |
| Cash dividends to net income (ytd only)* | 41.9523% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 2,965 |
| Loan loss allowance to noncurrent loans | 36.3777% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 4.4995% | 102 |
| Noncurrent loans to loans | 3.1326% | 336 |
| Net loans and leases to total assets | 90.7178% | 55 |
| Net loans and leases to deposits | 112.0894% | 234 |
| Net loans and leases to core deposits | 116.9259% | 671 |
| Total domestic deposits to total assets | 80.9334% | 3,885 |
| Equity capital to assets | 15.5676% | 605 |
| Core capital (leverage) ratio | 15.8576% | 540 |
| Tier 1 risk-based capital ratio | 18.9734% | 1,540 |
| Total risk-based capital ratio | 20.2234% | 1,511 |
| Memoranda: | ||
| Average total assets | $133,624,500 | 3,627 |
| Average earning assets | $125,447,750 | 3,605 |
| Average equity | $20,236,250 | 3,098 |
| Average total loans | $121,284,500 | 3,008 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8628% | 176 |
| Cost of funding earning assets | 0.8947% | 749 |
| Net interest margin | 4.9681% | 261 |
| Noninterest income to average assets | 0.8918% | 1,201 |
| Noninterest expense to average assets | 2.4576% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.0611% | 79 |
| Return on assets (ROA) | 3.0611% | 79 |
| Pretax return on assets | 3.0941% | 103 |
| Return on Equity (ROE) | 20.4056% | 238 |
| Retained earnings to average equity (ytd only) | 12.5496% | 446 |
| Net charge-offs to loans | -0.0249% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2672% | 5,278 |
| Assets per employee ($millions) | 4.3598% | 3,341 |
| Cash dividends to net income (ytd only)* | 38.4993% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,163 |
| Loan loss allowance to noncurrent loans | 39.4744% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 4.2816% | 120 |
| Noncurrent loans to loans | 2.8296% | 421 |
| Net loans and leases to total assets | 92.5256% | 22 |
| Net loans and leases to deposits | 114.5127% | 185 |
| Net loans and leases to core deposits | 119.7761% | 568 |
| Total domestic deposits to total assets | 80.7994% | 4,056 |
| Equity capital to assets | 15.6507% | 566 |
| Core capital (leverage) ratio | 15.6759% | 544 |
| Tier 1 risk-based capital ratio | 18.7937% | 1,605 |
| Total risk-based capital ratio | 20.0437% | 1,558 |
| Memoranda: | ||
| Average total assets | $133,220,000 | 3,657 |
| Average earning assets | $124,956,330 | 3,632 |
| Average equity | $19,984,670 | 3,134 |
| Average total loans | $120,468,670 | 3,032 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8091% | 180 |
| Cost of funding earning assets | 0.8790% | 666 |
| Net interest margin | 4.9301% | 259 |
| Noninterest income to average assets | 0.8867% | 1,183 |
| Noninterest expense to average assets | 2.3328% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 3.1272% | 79 |
| Return on assets (ROA) | 3.1272% | 80 |
| Pretax return on assets | 3.1599% | 99 |
| Return on Equity (ROE) | 21.2947% | 182 |
| Retained earnings to average equity (ytd only) | 21.2947% | 81 |
| Net charge-offs to loans | -0.1171% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4702% | 5,388 |
| Assets per employee ($millions) | 4.4641% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,998 |
| Loan loss allowance to noncurrent loans | 41.5767% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 4.2382% | 138 |
| Noncurrent loans to loans | 2.8044% | 447 |
| Net loans and leases to total assets | 87.7864% | 145 |
| Net loans and leases to deposits | 105.8886% | 388 |
| Net loans and leases to core deposits | 110.1279% | 1,002 |
| Total domestic deposits to total assets | 82.9045% | 3,700 |
| Equity capital to assets | 15.1295% | 644 |
| Core capital (leverage) ratio | 15.2457% | 606 |
| Tier 1 risk-based capital ratio | 19.1482% | 1,521 |
| Total risk-based capital ratio | 20.3987% | 1,475 |
| Memoranda: | ||
| Average total assets | $134,433,500 | 3,674 |
| Average earning assets | $125,595,000 | 3,654 |
| Average equity | $19,742,000 | 3,184 |
| Average total loans | $119,511,000 | 3,072 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6204% | 223 |
| Cost of funding earning assets | 0.8753% | 427 |
| Net interest margin | 4.7451% | 392 |
| Noninterest income to average assets | 0.9509% | 1,138 |
| Noninterest expense to average assets | 2.5748% | 3,524 |
| Loan and lease loss provision to assets | 0.3012% | 571 |
| Net operating income to assets | 2.5071% | 118 |
| Return on assets (ROA) | 2.5071% | 118 |
| Pretax return on assets | 2.5071% | 177 |
| Return on Equity (ROE) | 17.4514% | 352 |
| Retained earnings to average equity (ytd only) | 4.8109% | 2,250 |
| Net charge-offs to loans | 0.2946% | 886 |
| Credit loss provision to net charge-offs | 115.2738% | 2,275 |
| Earnings coverage of net charge-offs (x) | 10.7493% | 2,637 |
| Efficiency ratio | 47.8322% | 5,327 |
| Assets per employee ($millions) | 4.6532% | 2,945 |
| Cash dividends to net income (ytd only)* | 72.4324% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,213 |
| Loan loss allowance to noncurrent loans | 44.6057% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 4.1529% | 140 |
| Noncurrent loans to loans | 2.5244% | 527 |
| Net loans and leases to total assets | 87.9749% | 139 |
| Net loans and leases to deposits | 106.4183% | 386 |
| Net loans and leases to core deposits | 110.6445% | 966 |
| Total domestic deposits to total assets | 82.6690% | 3,667 |
| Equity capital to assets | 14.2445% | 845 |
| Core capital (leverage) ratio | 14.4423% | 743 |
| Tier 1 risk-based capital ratio | 17.8670% | 1,838 |
| Total risk-based capital ratio | 19.1171% | 1,789 |
| Memoranda: | ||
| Average total assets | $132,824,000 | 3,701 |
| Average earning assets | $124,065,200 | 3,684 |
| Average equity | $19,081,600 | 3,236 |
| Average total loans | $117,791,200 | 3,089 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 229 |
| Cost of funding earning assets | 0.8579% | 435 |
| Net interest margin | 4.7266% | 387 |
| Noninterest income to average assets | 0.9605% | 1,118 |
| Noninterest expense to average assets | 2.5891% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.7967% | 98 |
| Return on assets (ROA) | 2.7967% | 99 |
| Pretax return on assets | 2.7967% | 141 |
| Return on Equity (ROE) | 19.4257% | 254 |
| Retained earnings to average equity (ytd only) | 7.4413% | 1,464 |
| Net charge-offs to loans | 0.0557% | 2,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 56.6342% | 1,028 |
| Efficiency ratio | 48.0726% | 5,337 |
| Assets per employee ($millions) | 4.5078% | 3,126 |
| Cash dividends to net income (ytd only)* | 61.6937% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,851 |
| Loan loss allowance to noncurrent loans | 31.0020% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 5.3326% | 90 |
| Noncurrent loans to loans | 3.3494% | 340 |
| Net loans and leases to total assets | 91.1302% | 49 |
| Net loans and leases to deposits | 111.2751% | 243 |
| Net loans and leases to core deposits | 116.2142% | 741 |
| Total domestic deposits to total assets | 81.8963% | 3,812 |
| Equity capital to assets | 14.8220% | 773 |
| Core capital (leverage) ratio | 14.6638% | 732 |
| Tier 1 risk-based capital ratio | 17.9943% | 1,855 |
| Total risk-based capital ratio | 19.1565% | 1,833 |
| Memoranda: | ||
| Average total assets | $132,294,250 | 3,751 |
| Average earning assets | $123,863,750 | 3,713 |
| Average equity | $19,046,500 | 3,267 |
| Average total loans | $117,222,000 | 3,120 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5276% | 234 |
| Cost of funding earning assets | 0.8373% | 429 |
| Net interest margin | 4.6904% | 397 |
| Noninterest income to average assets | 0.6791% | 2,084 |
| Noninterest expense to average assets | 2.4440% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.5885% | 121 |
| Return on assets (ROA) | 2.5885% | 119 |
| Pretax return on assets | 2.6216% | 173 |
| Return on Equity (ROE) | 18.1553% | 320 |
| Retained earnings to average equity (ytd only) | 11.2797% | 403 |
| Net charge-offs to loans | -0.0069% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2461% | 5,386 |
| Assets per employee ($millions) | 4.6240% | 2,902 |
| Cash dividends to net income (ytd only)* | 37.8709% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,522 |
| Loan loss allowance to noncurrent loans | 35.3212% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 5.0277% | 100 |
| Noncurrent loans to loans | 3.1453% | 399 |
| Net loans and leases to total assets | 86.4919% | 240 |
| Net loans and leases to deposits | 105.1285% | 436 |
| Net loans and leases to core deposits | 109.6362% | 1,021 |
| Total domestic deposits to total assets | 82.2725% | 3,813 |
| Equity capital to assets | 14.4552% | 842 |
| Core capital (leverage) ratio | 14.6167% | 714 |
| Tier 1 risk-based capital ratio | 18.3940% | 1,747 |
| Total risk-based capital ratio | 19.6321% | 1,714 |
| Memoranda: | ||
| Average total assets | $132,817,330 | 3,771 |
| Average earning assets | $124,212,000 | 3,733 |
| Average equity | $18,936,670 | 3,282 |
| Average total loans | $116,169,330 | 3,141 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4923% | 227 |
| Cost of funding earning assets | 0.8082% | 463 |
| Net interest margin | 4.6842% | 381 |
| Noninterest income to average assets | 0.6325% | 2,255 |
| Noninterest expense to average assets | 2.4664% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.5178% | 132 |
| Return on assets (ROA) | 2.5178% | 135 |
| Pretax return on assets | 2.5511% | 201 |
| Return on Equity (ROE) | 17.7844% | 356 |
| Retained earnings to average equity (ytd only) | 17.7844% | 145 |
| Net charge-offs to loans | -0.0035% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1556% | 5,415 |
| Assets per employee ($millions) | 4.5319% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 3,589 |
| Loan loss allowance to noncurrent loans | 36.4248% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 4.8415% | 127 |
| Noncurrent loans to loans | 3.0749% | 442 |
| Net loans and leases to total assets | 87.3274% | 140 |
| Net loans and leases to deposits | 106.3463% | 311 |
| Net loans and leases to core deposits | 111.1811% | 818 |
| Total domestic deposits to total assets | 82.1160% | 4,142 |
| Equity capital to assets | 14.5558% | 737 |
| Core capital (leverage) ratio | 14.5963% | 689 |
| Tier 1 risk-based capital ratio | 18.5090% | 1,740 |
| Total risk-based capital ratio | 19.7610% | 1,700 |
| Memoranda: | ||
| Average total assets | $132,177,500 | 3,810 |
| Average earning assets | $123,736,000 | 3,780 |
| Average equity | $18,713,000 | 3,319 |
| Average total loans | $115,611,000 | 3,176 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6881% | 196 |
| Cost of funding earning assets | 0.8387% | 413 |
| Net interest margin | 4.8495% | 317 |
| Noninterest income to average assets | 0.8541% | 1,559 |
| Noninterest expense to average assets | 2.6816% | 3,403 |
| Loan and lease loss provision to assets | 0.4143% | 367 |
| Net operating income to assets | 2.2502% | 212 |
| Return on assets (ROA) | 2.2502% | 221 |
| Pretax return on assets | 2.2851% | 287 |
| Return on Equity (ROE) | 15.8076% | 527 |
| Retained earnings to average equity (ytd only) | 0.9791% | 4,933 |
| Net charge-offs to loans | 0.3940% | 674 |
| Credit loss provision to net charge-offs | 119.9552% | 2,212 |
| Earnings coverage of net charge-offs (x) | 7.8161% | 2,963 |
| Efficiency ratio | 49.8345% | 5,492 |
| Assets per employee ($millions) | 4.4310% | 3,219 |
| Cash dividends to net income (ytd only)* | 93.8059% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,552 |
| Loan loss allowance to noncurrent loans | 28.2146% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 5.6037% | 98 |
| Noncurrent loans to loans | 3.9982% | 261 |
| Net loans and leases to total assets | 85.6488% | 255 |
| Net loans and leases to deposits | 103.2484% | 452 |
| Net loans and leases to core deposits | 107.4014% | 1,047 |
| Total domestic deposits to total assets | 82.9542% | 3,783 |
| Equity capital to assets | 13.7636% | 963 |
| Core capital (leverage) ratio | 13.8668% | 852 |
| Tier 1 risk-based capital ratio | 17.7421% | 1,927 |
| Total risk-based capital ratio | 18.9921% | 1,888 |
| Memoranda: | ||
| Average total assets | $129,141,600 | 3,846 |
| Average earning assets | $120,549,200 | 3,818 |
| Average equity | $18,383,600 | 3,358 |
| Average total loans | $113,202,800 | 3,171 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7244% | 182 |
| Cost of funding earning assets | 0.8306% | 427 |
| Net interest margin | 4.8937% | 307 |
| Noninterest income to average assets | 0.7665% | 1,907 |
| Noninterest expense to average assets | 2.6490% | 3,501 |
| Loan and lease loss provision to assets | 0.3068% | 547 |
| Net operating income to assets | 2.3464% | 200 |
| Return on assets (ROA) | 2.3464% | 209 |
| Pretax return on assets | 2.3817% | 262 |
| Return on Equity (ROE) | 16.3425% | 508 |
| Retained earnings to average equity (ytd only) | 1.4488% | 4,934 |
| Net charge-offs to loans | 0.1112% | 1,830 |
| Credit loss provision to net charge-offs | 313.8298% | 997 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,565 |
| Efficiency ratio | 49.6298% | 5,528 |
| Assets per employee ($millions) | 4.3458% | 3,340 |
| Cash dividends to net income (ytd only)* | 91.1347% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 3,253 |
| Loan loss allowance to noncurrent loans | 30.4489% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 5.6246% | 110 |
| Noncurrent loans to loans | 3.9310% | 284 |
| Net loans and leases to total assets | 89.3367% | 85 |
| Net loans and leases to deposits | 108.3088% | 300 |
| Net loans and leases to core deposits | 113.0501% | 766 |
| Total domestic deposits to total assets | 82.4833% | 3,786 |
| Equity capital to assets | 14.0650% | 1,006 |
| Core capital (leverage) ratio | 14.2511% | 780 |
| Tier 1 risk-based capital ratio | 17.3797% | 2,108 |
| Total risk-based capital ratio | 18.6307% | 2,070 |
| Memoranda: | ||
| Average total assets | $128,194,500 | 3,881 |
| Average earning assets | $119,742,500 | 3,855 |
| Average equity | $18,405,500 | 3,383 |
| Average total loans | $112,715,500 | 3,184 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6818% | 193 |
| Cost of funding earning assets | 0.8098% | 466 |
| Net interest margin | 4.8721% | 330 |
| Noninterest income to average assets | 0.7233% | 2,034 |
| Noninterest expense to average assets | 2.5449% | 3,899 |
| Loan and lease loss provision to assets | 0.4629% | 300 |
| Net operating income to assets | 2.2202% | 222 |
| Return on assets (ROA) | 2.2202% | 236 |
| Pretax return on assets | 2.2562% | 337 |
| Return on Equity (ROE) | 15.3568% | 632 |
| Retained earnings to average equity (ytd only) | 1.1830% | 4,906 |
| Net charge-offs to loans | 0.1027% | 1,803 |
| Credit loss provision to net charge-offs | 517.5439% | 634 |
| Earnings coverage of net charge-offs (x) | 30.4035% | 1,381 |
| Efficiency ratio | 48.3458% | 5,652 |
| Assets per employee ($millions) | 4.1459% | 3,661 |
| Cash dividends to net income (ytd only)* | 92.2968% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,875 |
| Loan loss allowance to noncurrent loans | 25.6829% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 6.6408% | 92 |
| Noncurrent loans to loans | 5.0023% | 172 |
| Net loans and leases to total assets | 86.5689% | 211 |
| Net loans and leases to deposits | 102.1512% | 551 |
| Net loans and leases to core deposits | 106.7416% | 1,120 |
| Total domestic deposits to total assets | 84.7459% | 2,982 |
| Equity capital to assets | 14.1998% | 962 |
| Core capital (leverage) ratio | 14.1390% | 788 |
| Tier 1 risk-based capital ratio | 18.1177% | 1,902 |
| Total risk-based capital ratio | 19.3707% | 1,869 |
| Memoranda: | ||
| Average total assets | $127,468,330 | 3,926 |
| Average earning assets | $118,800,000 | 3,897 |
| Average equity | $18,428,330 | 3,382 |
| Average total loans | $110,993,330 | 3,224 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7131% | 183 |
| Cost of funding earning assets | 0.7814% | 537 |
| Net interest margin | 4.9318% | 294 |
| Noninterest income to average assets | 0.6428% | 2,302 |
| Noninterest expense to average assets | 2.4515% | 4,218 |
| Loan and lease loss provision to assets | 0.3151% | 486 |
| Net operating income to assets | 2.4358% | 172 |
| Return on assets (ROA) | 2.4358% | 180 |
| Pretax return on assets | 2.4704% | 250 |
| Return on Equity (ROE) | 16.6977% | 469 |
| Retained earnings to average equity (ytd only) | 16.6977% | 169 |
| Net charge-offs to loans | 0.0400% | 2,200 |
| Credit loss provision to net charge-offs | 909.0909% | 397 |
| Earnings coverage of net charge-offs (x) | 80.3636% | 636 |
| Efficiency ratio | 46.8111% | 5,779 |
| Assets per employee ($millions) | 3.9990% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 3,647 |
| Loan loss allowance to noncurrent loans | 31.0081% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 5.5826% | 137 |
| Noncurrent loans to loans | 3.7824% | 333 |
| Net loans and leases to total assets | 85.4682% | 261 |
| Net loans and leases to deposits | 101.4978% | 532 |
| Net loans and leases to core deposits | 105.3325% | 1,121 |
| Total domestic deposits to total assets | 84.2070% | 3,446 |
| Equity capital to assets | 14.7764% | 750 |
| Core capital (leverage) ratio | 15.0186% | 600 |
| Tier 1 risk-based capital ratio | 19.1437% | 1,696 |
| Total risk-based capital ratio | 20.3948% | 1,664 |
| Memoranda: | ||
| Average total assets | $126,941,000 | 3,960 |
| Average earning assets | $118,254,000 | 3,939 |
| Average equity | $18,517,500 | 3,363 |
| Average total loans | $110,135,500 | 3,238 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9408% | 141 |
| Cost of funding earning assets | 0.7552% | 623 |
| Net interest margin | 5.1856% | 190 |
| Noninterest income to average assets | 0.7821% | 1,855 |
| Noninterest expense to average assets | 2.7777% | 3,322 |
| Loan and lease loss provision to assets | 0.3607% | 398 |
| Net operating income to assets | 2.4194% | 168 |
| Return on assets (ROA) | 2.4194% | 172 |
| Pretax return on assets | 2.4571% | 221 |
| Return on Equity (ROE) | 16.3772% | 518 |
| Retained earnings to average equity (ytd only) | 3.8903% | 3,268 |
| Net charge-offs to loans | 0.4636% | 589 |
| Credit loss provision to net charge-offs | 88.1764% | 2,793 |
| Earnings coverage of net charge-offs (x) | 6.8878% | 3,155 |
| Efficiency ratio | 49.6410% | 5,775 |
| Assets per employee ($millions) | 3.7034% | 4,474 |
| Cash dividends to net income (ytd only)* | 76.2453% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 4,032 |
| Loan loss allowance to noncurrent loans | 71.0511% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 3.6835% | 305 |
| Noncurrent loans to loans | 1.5538% | 1,481 |
| Net loans and leases to total assets | 86.0834% | 226 |
| Net loans and leases to deposits | 101.8684% | 547 |
| Net loans and leases to core deposits | 106.2886% | 1,088 |
| Total domestic deposits to total assets | 84.5045% | 3,284 |
| Equity capital to assets | 14.3955% | 801 |
| Core capital (leverage) ratio | 14.6312% | 682 |
| Tier 1 risk-based capital ratio | 18.8559% | 1,732 |
| Total risk-based capital ratio | 20.1063% | 1,697 |
| Memoranda: | ||
| Average total assets | $121,973,000 | 4,035 |
| Average earning assets | $113,217,600 | 4,016 |
| Average equity | $18,019,000 | 3,382 |
| Average total loans | $107,633,600 | 3,247 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0023% | 131 |
| Cost of funding earning assets | 0.7426% | 675 |
| Net interest margin | 5.2597% | 171 |
| Noninterest income to average assets | 0.7064% | 2,202 |
| Noninterest expense to average assets | 2.6525% | 3,712 |
| Loan and lease loss provision to assets | 0.3416% | 394 |
| Net operating income to assets | 2.5908% | 148 |
| Return on assets (ROA) | 2.5908% | 152 |
| Pretax return on assets | 2.5908% | 210 |
| Return on Equity (ROE) | 17.4219% | 440 |
| Retained earnings to average equity (ytd only) | 6.3063% | 2,063 |
| Net charge-offs to loans | 0.3596% | 728 |
| Credit loss provision to net charge-offs | 107.2664% | 2,149 |
| Earnings coverage of net charge-offs (x) | 9.2077% | 2,723 |
| Efficiency ratio | 47.4941% | 5,896 |
| Assets per employee ($millions) | 3.8302% | 4,209 |
| Cash dividends to net income (ytd only)* | 63.8026% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 3,806 |
| Loan loss allowance to noncurrent loans | 80.0248% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 3.3900% | 390 |
| Noncurrent loans to loans | 1.4640% | 1,711 |
| Net loans and leases to total assets | 88.7833% | 100 |
| Net loans and leases to deposits | 105.7707% | 374 |
| Net loans and leases to core deposits | 109.9537% | 878 |
| Total domestic deposits to total assets | 83.9394% | 3,458 |
| Equity capital to assets | 14.9192% | 758 |
| Core capital (leverage) ratio | 14.9973% | 636 |
| Tier 1 risk-based capital ratio | 18.2199% | 1,979 |
| Total risk-based capital ratio | 19.4693% | 1,938 |
| Memoranda: | ||
| Average total assets | $120,987,750 | 4,101 |
| Average earning assets | $112,221,250 | 4,079 |
| Average equity | $17,992,250 | 3,417 |
| Average total loans | $107,141,750 | 3,281 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0998% | 119 |
| Cost of funding earning assets | 0.7456% | 662 |
| Net interest margin | 5.3542% | 155 |
| Noninterest income to average assets | 0.6375% | 2,538 |
| Noninterest expense to average assets | 2.6747% | 3,672 |
| Loan and lease loss provision to assets | 0.3487% | 383 |
| Net operating income to assets | 2.5618% | 156 |
| Return on assets (ROA) | 2.5618% | 161 |
| Pretax return on assets | 2.5618% | 229 |
| Return on Equity (ROE) | 17.2457% | 460 |
| Retained earnings to average equity (ytd only) | 6.0690% | 2,198 |
| Net charge-offs to loans | 0.3410% | 771 |
| Credit loss provision to net charge-offs | 116.0221% | 1,857 |
| Earnings coverage of net charge-offs (x) | 9.6851% | 2,429 |
| Efficiency ratio | 47.8894% | 5,968 |
| Assets per employee ($millions) | 3.9272% | 4,024 |
| Cash dividends to net income (ytd only)* | 64.8088% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 3,853 |
| Loan loss allowance to noncurrent loans | 61.2553% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 3.3866% | 434 |
| Noncurrent loans to loans | 1.9410% | 1,280 |
| Net loans and leases to total assets | 88.6080% | 109 |
| Net loans and leases to deposits | 105.0830% | 403 |
| Net loans and leases to core deposits | 109.0716% | 888 |
| Total domestic deposits to total assets | 84.3219% | 3,436 |
| Equity capital to assets | 14.7729% | 752 |
| Core capital (leverage) ratio | 14.8586% | 645 |
| Tier 1 risk-based capital ratio | 18.4655% | 1,929 |
| Total risk-based capital ratio | 19.7170% | 1,898 |
| Memoranda: | ||
| Average total assets | $120,461,330 | 4,146 |
| Average earning assets | $111,315,330 | 4,129 |
| Average equity | $17,894,330 | 3,436 |
| Average total loans | $106,152,670 | 3,321 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9658% | 134 |
| Cost of funding earning assets | 0.7511% | 651 |
| Net interest margin | 5.2146% | 171 |
| Noninterest income to average assets | 0.6643% | 2,339 |
| Noninterest expense to average assets | 2.6874% | 3,635 |
| Loan and lease loss provision to assets | 0.1168% | 1,764 |
| Net operating income to assets | 2.6807% | 115 |
| Return on assets (ROA) | 2.6807% | 125 |
| Pretax return on assets | 2.6807% | 191 |
| Return on Equity (ROE) | 17.9954% | 385 |
| Retained earnings to average equity (ytd only) | 17.9954% | 144 |
| Net charge-offs to loans | 0.1032% | 1,700 |
| Credit loss provision to net charge-offs | 129.6296% | 1,370 |
| Earnings coverage of net charge-offs (x) | 31.0370% | 1,129 |
| Efficiency ratio | 48.9957% | 5,971 |
| Assets per employee ($millions) | 3.6639% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 3,796 |
| Loan loss allowance to noncurrent loans | 54.7364% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 3.6374% | 445 |
| Noncurrent loans to loans | 2.2442% | 1,116 |
| Net loans and leases to total assets | 84.9235% | 252 |
| Net loans and leases to deposits | 101.0133% | 508 |
| Net loans and leases to core deposits | 104.9597% | 1,002 |
| Total domestic deposits to total assets | 84.0716% | 3,797 |
| Equity capital to assets | 15.0964% | 698 |
| Core capital (leverage) ratio | 14.6525% | 659 |
| Tier 1 risk-based capital ratio | 18.5720% | 1,980 |
| Total risk-based capital ratio | 19.8225% | 1,933 |
| Memoranda: | ||
| Average total assets | $119,820,500 | 4,187 |
| Average earning assets | $110,765,500 | 4,164 |
| Average equity | $17,849,000 | 3,472 |
| Average total loans | $104,643,000 | 3,363 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8993% | 177 |
| Cost of funding earning assets | 0.7979% | 659 |
| Net interest margin | 5.1014% | 251 |
| Noninterest income to average assets | 0.8922% | 1,526 |
| Noninterest expense to average assets | 2.8159% | 3,420 |
| Loan and lease loss provision to assets | 0.8020% | 153 |
| Net operating income to assets | 2.0072% | 320 |
| Return on assets (ROA) | 2.0072% | 334 |
| Pretax return on assets | 2.0072% | 504 |
| Return on Equity (ROE) | 13.7576% | 982 |
| Retained earnings to average equity (ytd only) | 3.2378% | 3,927 |
| Net charge-offs to loans | 0.7499% | 480 |
| Credit loss provision to net charge-offs | 124.6433% | 1,920 |
| Earnings coverage of net charge-offs (x) | 4.3658% | 3,675 |
| Efficiency ratio | 50.0593% | 6,088 |
| Assets per employee ($millions) | 3.2981% | 5,258 |
| Cash dividends to net income (ytd only)* | 76.4657% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 3,966 |
| Loan loss allowance to noncurrent loans | 55.6823% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 3.5930% | 509 |
| Noncurrent loans to loans | 2.1637% | 1,245 |
| Net loans and leases to total assets | 87.6427% | 131 |
| Net loans and leases to deposits | 103.1196% | 471 |
| Net loans and leases to core deposits | 106.8466% | 962 |
| Total domestic deposits to total assets | 84.9913% | 3,283 |
| Equity capital to assets | 14.6929% | 761 |
| Core capital (leverage) ratio | 14.5463% | 695 |
| Tier 1 risk-based capital ratio | 17.5462% | 2,300 |
| Total risk-based capital ratio | 18.7476% | 2,284 |
| Memoranda: | ||
| Average total assets | $119,818,800 | 4,183 |
| Average earning assets | $111,166,000 | 4,157 |
| Average equity | $17,481,200 | 3,458 |
| Average total loans | $102,820,400 | 3,360 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 187 |
| Cost of funding earning assets | 0.7992% | 687 |
| Net interest margin | 5.0188% | 285 |
| Noninterest income to average assets | 0.8538% | 1,680 |
| Noninterest expense to average assets | 2.5802% | 4,258 |
| Loan and lease loss provision to assets | 0.5418% | 267 |
| Net operating income to assets | 2.3959% | 168 |
| Return on assets (ROA) | 2.3959% | 168 |
| Pretax return on assets | 2.3959% | 255 |
| Return on Equity (ROE) | 16.4507% | 622 |
| Retained earnings to average equity (ytd only) | 7.3868% | 1,629 |
| Net charge-offs to loans | 0.4397% | 896 |
| Credit loss provision to net charge-offs | 144.8071% | 1,629 |
| Earnings coverage of net charge-offs (x) | 7.8517% | 2,887 |
| Efficiency ratio | 46.7606% | 6,254 |
| Assets per employee ($millions) | 3.2786% | 5,273 |
| Cash dividends to net income (ytd only)* | 55.0972% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 4,422 |
| Loan loss allowance to noncurrent loans | 41.8083% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 4.0245% | 489 |
| Noncurrent loans to loans | 2.7827% | 1,001 |
| Net loans and leases to total assets | 88.5324% | 94 |
| Net loans and leases to deposits | 104.5892% | 377 |
| Net loans and leases to core deposits | 108.4121% | 829 |
| Total domestic deposits to total assets | 84.6477% | 3,478 |
| Equity capital to assets | 15.1218% | 712 |
| Core capital (leverage) ratio | 14.9011% | 635 |
| Tier 1 risk-based capital ratio | 17.6039% | 2,356 |
| Total risk-based capital ratio | 18.8057% | 2,336 |
| Memoranda: | ||
| Average total assets | $120,090,750 | 4,214 |
| Average earning assets | $111,603,500 | 4,181 |
| Average equity | $17,490,250 | 3,472 |
| Average total loans | $102,193,500 | 3,406 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7429% | 201 |
| Cost of funding earning assets | 0.8040% | 687 |
| Net interest margin | 4.9389% | 322 |
| Noninterest income to average assets | 0.8396% | 1,705 |
| Noninterest expense to average assets | 2.4806% | 4,642 |
| Loan and lease loss provision to assets | 0.5713% | 247 |
| Net operating income to assets | 2.3547% | 176 |
| Return on assets (ROA) | 2.3547% | 180 |
| Pretax return on assets | 2.3547% | 274 |
| Return on Equity (ROE) | 16.3721% | 618 |
| Retained earnings to average equity (ytd only) | 10.1664% | 685 |
| Net charge-offs to loans | 0.4217% | 970 |
| Credit loss provision to net charge-offs | 161.9718% | 1,388 |
| Earnings coverage of net charge-offs (x) | 8.2958% | 2,513 |
| Efficiency ratio | 45.8806% | 6,369 |
| Assets per employee ($millions) | 3.3776% | 5,103 |
| Cash dividends to net income (ytd only)* | 37.9044% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 4,636 |
| Loan loss allowance to noncurrent loans | 39.4909% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 3.5791% | 637 |
| Noncurrent loans to loans | 2.9277% | 1,014 |
| Net loans and leases to total assets | 85.0750% | 232 |
| Net loans and leases to deposits | 100.0039% | 559 |
| Net loans and leases to core deposits | 103.5184% | 1,051 |
| Total domestic deposits to total assets | 85.0718% | 3,467 |
| Equity capital to assets | 14.6059% | 794 |
| Core capital (leverage) ratio | 14.5214% | 695 |
| Tier 1 risk-based capital ratio | 17.7334% | 2,338 |
| Total risk-based capital ratio | 18.9249% | 2,330 |
| Memoranda: | ||
| Average total assets | $120,778,330 | 4,218 |
| Average earning assets | $111,685,330 | 4,196 |
| Average equity | $17,371,000 | 3,485 |
| Average total loans | $101,017,000 | 3,438 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6766% | 235 |
| Cost of funding earning assets | 0.8053% | 729 |
| Net interest margin | 4.8713% | 338 |
| Noninterest income to average assets | 0.7145% | 2,101 |
| Noninterest expense to average assets | 2.2165% | 5,424 |
| Loan and lease loss provision to assets | 0.4320% | 379 |
| Net operating income to assets | 2.6086% | 136 |
| Return on assets (ROA) | 2.6086% | 141 |
| Pretax return on assets | 2.6086% | 196 |
| Return on Equity (ROE) | 18.2808% | 420 |
| Retained earnings to average equity (ytd only) | 13.9493% | 400 |
| Net charge-offs to loans | -0.0766% | 5,999 |
| Credit loss provision to net charge-offs | -684.2105% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1618% | 6,547 |
| Assets per employee ($millions) | 3.3976% | 5,159 |
| Cash dividends to net income (ytd only)* | 23.6943% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 4,480 |
| Loan loss allowance to noncurrent loans | 33.1892% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 4.1353% | 555 |
| Noncurrent loans to loans | 3.7092% | 760 |
| Net loans and leases to total assets | 80.5506% | 491 |
| Net loans and leases to deposits | 94.1948% | 774 |
| Net loans and leases to core deposits | 98.4374% | 1,207 |
| Total domestic deposits to total assets | 85.5149% | 3,602 |
| Equity capital to assets | 14.2979% | 829 |
| Core capital (leverage) ratio | 14.3992% | 718 |
| Tier 1 risk-based capital ratio | 17.6737% | 2,423 |
| Total risk-based capital ratio | 18.9195% | 2,392 |
| Memoranda: | ||
| Average total assets | $120,370,000 | 4,268 |
| Average earning assets | $112,249,500 | 4,208 |
| Average equity | $17,176,500 | 3,524 |
| Average total loans | $99,197,000 | 3,486 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 188 |
| Cost of funding earning assets | 0.8571% | 926 |
| Net interest margin | 5.0922% | 263 |
| Noninterest income to average assets | 0.5960% | 3,115 |
| Noninterest expense to average assets | 2.6752% | 4,195 |
| Loan and lease loss provision to assets | 0.6512% | 367 |
| Net operating income to assets | 2.0141% | 330 |
| Return on assets (ROA) | 2.0141% | 329 |
| Pretax return on assets | 2.0141% | 456 |
| Return on Equity (ROE) | 13.6313% | 1,033 |
| Retained earnings to average equity (ytd only) | 8.2816% | 962 |
| Net charge-offs to loans | 0.8198% | 759 |
| Credit loss provision to net charge-offs | 99.0371% | 2,506 |
| Earnings coverage of net charge-offs (x) | 4.0536% | 3,686 |
| Efficiency ratio | 50.0931% | 6,393 |
| Assets per employee ($millions) | 3.2897% | 5,313 |
| Cash dividends to net income (ytd only)* | 39.2456% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,184 |
| Loan loss allowance to noncurrent loans | 36.1959% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 3.6047% | 791 |
| Noncurrent loans to loans | 3.0220% | 1,143 |
| Net loans and leases to total assets | 82.3825% | 377 |
| Net loans and leases to deposits | 96.2910% | 707 |
| Net loans and leases to core deposits | 99.6812% | 1,179 |
| Total domestic deposits to total assets | 85.5558% | 3,484 |
| Equity capital to assets | 14.2407% | 843 |
| Core capital (leverage) ratio | 14.2376% | 761 |
| Tier 1 risk-based capital ratio | 17.8161% | 2,303 |
| Total risk-based capital ratio | 18.9589% | 2,318 |
| Memoranda: | ||
| Average total assets | $110,570,800 | 4,487 |
| Average earning assets | $103,020,800 | 4,437 |
| Average equity | $16,337,400 | 3,648 |
| Average total loans | $88,676,600 | 3,721 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9846% | 185 |
| Cost of funding earning assets | 0.8608% | 986 |
| Net interest margin | 5.1238% | 244 |
| Noninterest income to average assets | 0.5586% | 3,401 |
| Noninterest expense to average assets | 2.6333% | 4,264 |
| Loan and lease loss provision to assets | 0.5279% | 510 |
| Net operating income to assets | 2.1692% | 276 |
| Return on assets (ROA) | 2.1692% | 282 |
| Pretax return on assets | 2.1692% | 416 |
| Return on Equity (ROE) | 14.5379% | 881 |
| Retained earnings to average equity (ytd only) | 8.3673% | 1,259 |
| Net charge-offs to loans | 0.7998% | 735 |
| Credit loss provision to net charge-offs | 83.1721% | 2,772 |
| Earnings coverage of net charge-offs (x) | 4.2495% | 3,489 |
| Efficiency ratio | 49.4012% | 6,430 |
| Assets per employee ($millions) | 3.2051% | 5,487 |
| Cash dividends to net income (ytd only)* | 42.4451% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 5,588 |
| Loan loss allowance to noncurrent loans | 33.7957% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 3.8471% | 838 |
| Noncurrent loans to loans | 3.0550% | 1,305 |
| Net loans and leases to total assets | 82.9909% | 293 |
| Net loans and leases to deposits | 97.1275% | 615 |
| Net loans and leases to core deposits | 100.1119% | 1,109 |
| Total domestic deposits to total assets | 85.4452% | 3,524 |
| Equity capital to assets | 14.3624% | 862 |
| Core capital (leverage) ratio | 14.2685% | 798 |
| Tier 1 risk-based capital ratio | 17.6336% | 2,469 |
| Total risk-based capital ratio | 18.7021% | 2,497 |
| Memoranda: | ||
| Average total assets | $108,606,500 | 4,570 |
| Average earning assets | $101,145,750 | 4,523 |
| Average equity | $16,205,500 | 3,709 |
| Average total loans | $86,185,000 | 3,806 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9635% | 190 |
| Cost of funding earning assets | 0.8641% | 1,067 |
| Net interest margin | 5.0994% | 257 |
| Noninterest income to average assets | 0.5491% | 3,505 |
| Noninterest expense to average assets | 2.6028% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.6743% | 144 |
| Return on assets (ROA) | 2.6743% | 152 |
| Pretax return on assets | 2.6743% | 213 |
| Return on Equity (ROE) | 17.6829% | 489 |
| Retained earnings to average equity (ytd only) | 12.0870% | 478 |
| Net charge-offs to loans | -0.1815% | 6,638 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3229% | 6,467 |
| Assets per employee ($millions) | 3.2187% | 5,433 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 4,571 |
| Loan loss allowance to noncurrent loans | 36.8688% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 3.9664% | 875 |
| Noncurrent loans to loans | 3.4895% | 1,223 |
| Net loans and leases to total assets | 76.8773% | 878 |
| Net loans and leases to deposits | 89.8509% | 1,162 |
| Net loans and leases to core deposits | 92.5882% | 1,647 |
| Total domestic deposits to total assets | 85.5609% | 3,606 |
| Equity capital to assets | 14.2630% | 888 |
| Core capital (leverage) ratio | 14.0708% | 808 |
| Tier 1 risk-based capital ratio | 18.1480% | 2,270 |
| Total risk-based capital ratio | 19.4086% | 2,228 |
| Memoranda: | ||
| Average total assets | $106,347,000 | 4,658 |
| Average earning assets | $98,599,000 | 4,634 |
| Average equity | $16,083,330 | 3,760 |
| Average total loans | $82,660,670 | 3,909 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9402% | 189 |
| Cost of funding earning assets | 0.8741% | 1,123 |
| Net interest margin | 5.0662% | 255 |
| Noninterest income to average assets | 0.7915% | 2,155 |
| Noninterest expense to average assets | 2.4610% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.0320% | 103 |
| Return on assets (ROA) | 3.0320% | 109 |
| Pretax return on assets | 3.0320% | 152 |
| Return on Equity (ROE) | 19.4181% | 330 |
| Retained earnings to average equity (ytd only) | 14.3744% | 410 |
| Net charge-offs to loans | -0.0254% | 5,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8029% | 6,741 |
| Assets per employee ($millions) | 3.3281% | 5,377 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,359 |
| Loan loss allowance to noncurrent loans | 39.3012% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 4.7843% | 779 |
| Noncurrent loans to loans | 3.4963% | 1,372 |
| Net loans and leases to total assets | 75.9019% | 853 |
| Net loans and leases to deposits | 90.1595% | 954 |
| Net loans and leases to core deposits | 92.4665% | 1,458 |
| Total domestic deposits to total assets | 84.1863% | 4,399 |
| Equity capital to assets | 15.6499% | 618 |
| Core capital (leverage) ratio | 15.6837% | 493 |
| Tier 1 risk-based capital ratio | 19.9204% | 1,795 |
| Total risk-based capital ratio | 21.1831% | 1,763 |
| Memoranda: | ||
| Average total assets | $101,584,000 | 4,822 |
| Average earning assets | $94,272,500 | 4,792 |
| Average equity | $15,861,500 | 3,839 |
| Average total loans | $78,870,500 | 4,038 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2191% | 192 |
| Cost of funding earning assets | 1.0408% | 1,165 |
| Net interest margin | 5.1783% | 280 |
| Noninterest income to average assets | 0.7011% | 2,716 |
| Noninterest expense to average assets | 2.6467% | 4,581 |
| Loan and lease loss provision to assets | 0.4121% | 1,560 |
| Net operating income to assets | 2.4366% | 169 |
| Return on assets (ROA) | 2.4366% | 183 |
| Pretax return on assets | 2.4366% | 274 |
| Return on Equity (ROE) | 16.0192% | 658 |
| Retained earnings to average equity (ytd only) | 10.7963% | 462 |
| Net charge-offs to loans | 0.5671% | 2,029 |
| Credit loss provision to net charge-offs | 91.7808% | 3,399 |
| Earnings coverage of net charge-offs (x) | 6.3447% | 2,824 |
| Efficiency ratio | 48.1627% | 6,699 |
| Assets per employee ($millions) | 3.2257% | 5,569 |
| Cash dividends to net income (ytd only)* | 32.6041% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 4,233 |
| Loan loss allowance to noncurrent loans | 41.9629% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 4.5471% | 907 |
| Noncurrent loans to loans | 3.3035% | 1,554 |
| Net loans and leases to total assets | 77.2575% | 766 |
| Net loans and leases to deposits | 91.7094% | 937 |
| Net loans and leases to core deposits | 95.2907% | 1,361 |
| Total domestic deposits to total assets | 84.2417% | 4,210 |
| Equity capital to assets | 15.5773% | 623 |
| Core capital (leverage) ratio | 15.6966% | 487 |
| Tier 1 risk-based capital ratio | 19.4361% | 1,834 |
| Total risk-based capital ratio | 20.6996% | 1,795 |
| Memoranda: | ||
| Average total assets | $97,554,400 | 4,900 |
| Average earning assets | $90,319,000 | 4,860 |
| Average equity | $14,838,400 | 4,000 |
| Average total loans | $77,237,600 | 4,116 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3360% | 171 |
| Cost of funding earning assets | 1.0689% | 1,201 |
| Net interest margin | 5.2671% | 261 |
| Noninterest income to average assets | 0.8802% | 1,908 |
| Noninterest expense to average assets | 2.6970% | 4,376 |
| Loan and lease loss provision to assets | 0.3466% | 1,892 |
| Net operating income to assets | 2.7094% | 137 |
| Return on assets (ROA) | 2.7094% | 146 |
| Pretax return on assets | 2.7094% | 213 |
| Return on Equity (ROE) | 17.9244% | 509 |
| Retained earnings to average equity (ytd only) | 10.8729% | 705 |
| Net charge-offs to loans | 0.4574% | 2,269 |
| Credit loss provision to net charge-offs | 95.4545% | 3,127 |
| Earnings coverage of net charge-offs (x) | 8.4167% | 2,448 |
| Efficiency ratio | 46.8802% | 6,775 |
| Assets per employee ($millions) | 3.1762% | 5,680 |
| Cash dividends to net income (ytd only)* | 39.3402% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 4,353 |
| Loan loss allowance to noncurrent loans | 63.1759% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 4.2798% | 1,104 |
| Noncurrent loans to loans | 2.2240% | 2,587 |
| Net loans and leases to total assets | 79.1079% | 586 |
| Net loans and leases to deposits | 93.7193% | 808 |
| Net loans and leases to core deposits | 98.0588% | 1,258 |
| Total domestic deposits to total assets | 84.4094% | 4,028 |
| Equity capital to assets | 15.4109% | 721 |
| Core capital (leverage) ratio | 15.4163% | 550 |
| Tier 1 risk-based capital ratio | 17.2141% | 2,645 |
| Total risk-based capital ratio | 18.4570% | 2,601 |
| Memoranda: | ||
| Average total assets | $96,943,500 | 4,961 |
| Average earning assets | $89,686,750 | 4,919 |
| Average equity | $14,653,750 | 4,066 |
| Average total loans | $76,961,500 | 4,163 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4179% | 162 |
| Cost of funding earning assets | 1.0955% | 1,239 |
| Net interest margin | 5.3224% | 236 |
| Noninterest income to average assets | 0.9187% | 1,716 |
| Noninterest expense to average assets | 2.7645% | 4,160 |
| Loan and lease loss provision to assets | 0.3982% | 1,650 |
| Net operating income to assets | 2.6732% | 137 |
| Return on assets (ROA) | 2.6732% | 149 |
| Pretax return on assets | 2.6732% | 232 |
| Return on Equity (ROE) | 17.8035% | 530 |
| Retained earnings to average equity (ytd only) | 10.5522% | 839 |
| Net charge-offs to loans | 0.4798% | 2,150 |
| Credit loss provision to net charge-offs | 104.9180% | 2,588 |
| Earnings coverage of net charge-offs (x) | 8.0929% | 2,364 |
| Efficiency ratio | 47.3703% | 6,813 |
| Assets per employee ($millions) | 3.1692% | 5,711 |
| Cash dividends to net income (ytd only)* | 40.7292% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 4,369 |
| Loan loss allowance to noncurrent loans | 50.3786% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 3.9289% | 1,314 |
| Noncurrent loans to loans | 2.8249% | 2,120 |
| Net loans and leases to total assets | 79.7396% | 544 |
| Net loans and leases to deposits | 94.1870% | 753 |
| Net loans and leases to core deposits | 98.2221% | 1,251 |
| Total domestic deposits to total assets | 84.6610% | 4,026 |
| Equity capital to assets | 15.0093% | 785 |
| Core capital (leverage) ratio | 14.8890% | 616 |
| Tier 1 risk-based capital ratio | 16.8893% | 2,721 |
| Total risk-based capital ratio | 18.1512% | 2,678 |
| Memoranda: | ||
| Average total assets | $96,437,000 | 4,997 |
| Average earning assets | $89,095,000 | 4,964 |
| Average equity | $14,480,330 | 4,098 |
| Average total loans | $76,281,330 | 4,208 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6064% | 140 |
| Cost of funding earning assets | 1.1206% | 1,297 |
| Net interest margin | 5.4857% | 188 |
| Noninterest income to average assets | 0.7453% | 2,424 |
| Noninterest expense to average assets | 2.7928% | 4,062 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.0356% | 103 |
| Return on assets (ROA) | 3.0356% | 122 |
| Pretax return on assets | 3.0356% | 180 |
| Return on Equity (ROE) | 20.2126% | 377 |
| Retained earnings to average equity (ytd only) | 20.2126% | 185 |
| Net charge-offs to loans | 0.6962% | 1,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.5769% | 2,333 |
| Efficiency ratio | 47.9167% | 6,811 |
| Assets per employee ($millions) | 3.1753% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 4,917 |
| Loan loss allowance to noncurrent loans | 42.1769% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 4.1957% | 1,294 |
| Noncurrent loans to loans | 3.1359% | 2,046 |
| Net loans and leases to total assets | 75.1892% | 895 |
| Net loans and leases to deposits | 88.7433% | 1,082 |
| Net loans and leases to core deposits | 91.9460% | 1,656 |
| Total domestic deposits to total assets | 84.7267% | 4,155 |
| Equity capital to assets | 14.9442% | 758 |
| Core capital (leverage) ratio | 14.7674% | 639 |
| Tier 1 risk-based capital ratio | 17.3680% | 2,530 |
| Total risk-based capital ratio | 18.5489% | 2,527 |
| Memoranda: | ||
| Average total assets | $95,532,500 | 5,046 |
| Average earning assets | $88,520,500 | 5,006 |
| Average equity | $14,347,500 | 4,126 |
| Average total loans | $74,686,000 | 4,281 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7631% | 134 |
| Cost of funding earning assets | 1.2896% | 1,530 |
| Net interest margin | 5.4735% | 186 |
| Noninterest income to average assets | 1.0153% | 1,326 |
| Noninterest expense to average assets | 2.7632% | 4,497 |
| Loan and lease loss provision to assets | 0.7920% | 1,251 |
| Net operating income to assets | 2.6004% | 120 |
| Return on assets (ROA) | 2.6004% | 121 |
| Pretax return on assets | 2.6004% | 179 |
| Return on Equity (ROE) | 17.7010% | 406 |
| Retained earnings to average equity (ytd only) | 11.8980% | 312 |
| Net charge-offs to loans | 0.9639% | 1,789 |
| Credit loss provision to net charge-offs | 98.3607% | 3,656 |
| Earnings coverage of net charge-offs (x) | 4.2131% | 3,215 |
| Efficiency ratio | 44.8892% | 7,096 |
| Assets per employee ($millions) | 3.0877% | 5,920 |
| Cash dividends to net income (ytd only)* | 32.7834% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 3,982 |
| Loan loss allowance to noncurrent loans | 35.5852% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 4.5880% | 1,192 |
| Noncurrent loans to loans | 4.2397% | 1,445 |
| Net loans and leases to total assets | 79.0731% | 597 |
| Net loans and leases to deposits | 93.4786% | 851 |
| Net loans and leases to core deposits | 96.5822% | 1,444 |
| Total domestic deposits to total assets | 84.5896% | 4,049 |
| Equity capital to assets | 15.0974% | 756 |
| Core capital (leverage) ratio | 14.8081% | 647 |
| Tier 1 risk-based capital ratio | 16.9443% | 2,633 |
| Total risk-based capital ratio | 18.2067% | 2,588 |
| Memoranda: | ||
| Average total assets | $90,908,800 | 5,159 |
| Average earning assets | $85,375,400 | 5,076 |
| Average equity | $13,355,200 | 4,266 |
| Average total loans | $75,941,400 | 4,273 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8810% | 116 |
| Cost of funding earning assets | 1.3141% | 1,628 |
| Net interest margin | 5.5669% | 162 |
| Noninterest income to average assets | 0.9711% | 1,416 |
| Noninterest expense to average assets | 2.6039% | 5,064 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 3.5986% | 69 |
| Return on assets (ROA) | 3.5986% | 71 |
| Pretax return on assets | 3.5986% | 103 |
| Return on Equity (ROE) | 24.6703% | 140 |
| Retained earnings to average equity (ytd only) | 16.8408% | 149 |
| Net charge-offs to loans | 0.1502% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 28.3963% | 965 |
| Efficiency ratio | 41.9815% | 7,211 |
| Assets per employee ($millions) | 3.0242% | 6,058 |
| Cash dividends to net income (ytd only)* | 31.7363% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 4,620 |
| Loan loss allowance to noncurrent loans | 47.1435% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 3.6539% | 1,720 |
| Noncurrent loans to loans | 2.9427% | 2,367 |
| Net loans and leases to total assets | 82.1110% | 346 |
| Net loans and leases to deposits | 97.4097% | 613 |
| Net loans and leases to core deposits | 100.4152% | 1,206 |
| Total domestic deposits to total assets | 84.2945% | 4,101 |
| Equity capital to assets | 15.5060% | 721 |
| Core capital (leverage) ratio | 14.6838% | 731 |
| Tier 1 risk-based capital ratio | 16.8582% | 2,688 |
| Total risk-based capital ratio | 18.1195% | 2,665 |
| Memoranda: | ||
| Average total assets | $90,478,000 | 5,211 |
| Average earning assets | $85,023,750 | 5,123 |
| Average equity | $13,197,750 | 4,307 |
| Average total loans | $76,334,500 | 4,303 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8606% | 128 |
| Cost of funding earning assets | 1.3542% | 1,629 |
| Net interest margin | 5.5063% | 178 |
| Noninterest income to average assets | 0.9956% | 1,334 |
| Noninterest expense to average assets | 2.7457% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 3.4316% | 81 |
| Return on assets (ROA) | 3.4316% | 80 |
| Pretax return on assets | 3.4316% | 113 |
| Return on Equity (ROE) | 24.0322% | 159 |
| Retained earnings to average equity (ytd only) | 12.0239% | 516 |
| Net charge-offs to loans | 0.0470% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 86.1667% | 405 |
| Efficiency ratio | 44.4484% | 7,217 |
| Assets per employee ($millions) | 3.0576% | 5,963 |
| Cash dividends to net income (ytd only)* | 49.9678% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 4,383 |
| Loan loss allowance to noncurrent loans | 50.0448% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 3.4450% | 1,913 |
| Noncurrent loans to loans | 2.8829% | 2,531 |
| Net loans and leases to total assets | 83.1131% | 298 |
| Net loans and leases to deposits | 97.3007% | 633 |
| Net loans and leases to core deposits | 99.9567% | 1,345 |
| Total domestic deposits to total assets | 85.4188% | 3,660 |
| Equity capital to assets | 14.3468% | 985 |
| Core capital (leverage) ratio | 13.9518% | 882 |
| Tier 1 risk-based capital ratio | 15.5485% | 3,216 |
| Total risk-based capital ratio | 16.8103% | 3,159 |
| Memoranda: | ||
| Average total assets | $90,395,330 | 5,245 |
| Average earning assets | $85,065,670 | 5,158 |
| Average equity | $12,907,670 | 4,362 |
| Average total loans | $76,598,000 | 4,326 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8707% | 128 |
| Cost of funding earning assets | 1.3846% | 1,695 |
| Net interest margin | 5.4861% | 167 |
| Noninterest income to average assets | 1.1368% | 1,012 |
| Noninterest expense to average assets | 2.6257% | 5,130 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 3.6688% | 86 |
| Return on assets (ROA) | 3.6688% | 88 |
| Pretax return on assets | 3.6688% | 115 |
| Return on Equity (ROE) | 25.7560% | 148 |
| Retained earnings to average equity (ytd only) | 25.7560% | 93 |
| Net charge-offs to loans | -0.0735% | 6,996 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7139% | 7,351 |
| Assets per employee ($millions) | 3.0691% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 4,096 |
| Loan loss allowance to noncurrent loans | 60.9665% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 3.0422% | 2,271 |
| Noncurrent loans to loans | 2.4979% | 2,986 |
| Net loans and leases to total assets | 80.6271% | 461 |
| Net loans and leases to deposits | 94.3721% | 795 |
| Net loans and leases to core deposits | 98.4262% | 1,480 |
| Total domestic deposits to total assets | 85.4353% | 3,816 |
| Equity capital to assets | 14.3301% | 924 |
| Core capital (leverage) ratio | 14.5913% | 727 |
| Tier 1 risk-based capital ratio | 15.7976% | 3,000 |
| Total risk-based capital ratio | 17.0328% | 2,967 |
| Memoranda: | ||
| Average total assets | $89,729,000 | 5,300 |
| Average earning assets | $84,358,500 | 5,215 |
| Average equity | $12,781,500 | 4,389 |
| Average total loans | $76,220,000 | 4,380 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2506% | 105 |
| Cost of funding earning assets | 1.6616% | 1,771 |
| Net interest margin | 5.5890% | 149 |
| Noninterest income to average assets | 0.8617% | 2,007 |
| Noninterest expense to average assets | 3.0958% | 3,475 |
| Loan and lease loss provision to assets | 0.8398% | 1,956 |
| Net operating income to assets | 2.1617% | 211 |
| Return on assets (ROA) | 2.1617% | 222 |
| Pretax return on assets | 2.1617% | 350 |
| Return on Equity (ROE) | 15.7963% | 603 |
| Retained earnings to average equity (ytd only) | 13.2743% | 195 |
| Net charge-offs to loans | 1.0718% | 2,067 |
| Credit loss provision to net charge-offs | 92.7573% | 5,001 |
| Earnings coverage of net charge-offs (x) | 3.3151% | 3,420 |
| Efficiency ratio | 50.7736% | 7,071 |
| Assets per employee ($millions) | 2.9129% | 6,290 |
| Cash dividends to net income (ytd only)* | 15.9659% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 4,176 |
| Loan loss allowance to noncurrent loans | 33.1676% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 5.0351% | 1,265 |
| Noncurrent loans to loans | 4.4370% | 1,606 |
| Net loans and leases to total assets | 86.8823% | 136 |
| Net loans and leases to deposits | 101.5000% | 506 |
| Net loans and leases to core deposits | 106.4540% | 1,160 |
| Total domestic deposits to total assets | 85.5984% | 3,555 |
| Equity capital to assets | 14.1544% | 993 |
| Core capital (leverage) ratio | 13.8040% | 895 |
| Tier 1 risk-based capital ratio | 14.8414% | 3,344 |
| Total risk-based capital ratio | 16.0905% | 3,305 |
| Memoranda: | ||
| Average total assets | $86,923,600 | 5,382 |
| Average earning assets | $81,427,400 | 5,293 |
| Average equity | $11,895,200 | 4,639 |
| Average total loans | $73,428,200 | 4,555 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2833% | 107 |
| Cost of funding earning assets | 1.6946% | 1,907 |
| Net interest margin | 5.5887% | 147 |
| Noninterest income to average assets | 0.9354% | 1,671 |
| Noninterest expense to average assets | 2.6049% | 5,310 |
| Loan and lease loss provision to assets | -0.0230% | 7,680 |
| Net operating income to assets | 3.5910% | 50 |
| Return on assets (ROA) | 3.5910% | 53 |
| Pretax return on assets | 3.5910% | 86 |
| Return on Equity (ROE) | 26.4696% | 88 |
| Retained earnings to average equity (ytd only) | 23.0732% | 44 |
| Net charge-offs to loans | 0.1342% | 5,226 |
| Credit loss provision to net charge-offs | -20.5479% | 6,864 |
| Earnings coverage of net charge-offs (x) | 31.8223% | 844 |
| Efficiency ratio | 42.1996% | 7,521 |
| Assets per employee ($millions) | 2.9121% | 6,341 |
| Cash dividends to net income (ytd only)* | 12.8315% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 4,236 |
| Loan loss allowance to noncurrent loans | 49.3954% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 4.2569% | 1,607 |
| Noncurrent loans to loans | 2.9237% | 2,729 |
| Net loans and leases to total assets | 86.1591% | 189 |
| Net loans and leases to deposits | 101.3491% | 563 |
| Net loans and leases to core deposits | 104.8240% | 1,412 |
| Total domestic deposits to total assets | 85.0121% | 3,613 |
| Equity capital to assets | 14.7635% | 951 |
| Core capital (leverage) ratio | 14.3297% | 853 |
| Tier 1 risk-based capital ratio | 15.4734% | 3,011 |
| Total risk-based capital ratio | 16.7361% | 2,976 |
| Memoranda: | ||
| Average total assets | $86,808,000 | 5,450 |
| Average earning assets | $81,353,250 | 5,362 |
| Average equity | $11,776,750 | 4,746 |
| Average total loans | $72,521,000 | 4,655 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2214% | 119 |
| Cost of funding earning assets | 1.7209% | 2,009 |
| Net interest margin | 5.5005% | 169 |
| Noninterest income to average assets | 0.7896% | 2,173 |
| Noninterest expense to average assets | 2.8745% | 4,165 |
| Loan and lease loss provision to assets | -0.0346% | 7,753 |
| Net operating income to assets | 3.1008% | 76 |
| Return on assets (ROA) | 3.1008% | 78 |
| Pretax return on assets | 3.1008% | 116 |
| Return on Equity (ROE) | 23.5552% | 158 |
| Retained earnings to average equity (ytd only) | 20.0474% | 89 |
| Net charge-offs to loans | 0.0926% | 5,207 |
| Credit loss provision to net charge-offs | -45.4545% | 6,625 |
| Earnings coverage of net charge-offs (x) | 40.2424% | 727 |
| Efficiency ratio | 48.3871% | 7,323 |
| Assets per employee ($millions) | 2.9508% | 6,243 |
| Cash dividends to net income (ytd only)* | 14.8920% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 3,598 |
| Loan loss allowance to noncurrent loans | 52.6243% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 4.0532% | 1,694 |
| Noncurrent loans to loans | 2.9774% | 2,696 |
| Net loans and leases to total assets | 81.1156% | 653 |
| Net loans and leases to deposits | 94.1002% | 1,260 |
| Net loans and leases to core deposits | 97.3746% | 2,292 |
| Total domestic deposits to total assets | 86.2013% | 2,971 |
| Equity capital to assets | 13.5276% | 1,335 |
| Core capital (leverage) ratio | 13.5877% | 1,029 |
| Tier 1 risk-based capital ratio | 14.4924% | 3,447 |
| Total risk-based capital ratio | 15.7557% | 3,407 |
| Memoranda: | ||
| Average total assets | $86,622,670 | 5,491 |
| Average earning assets | $81,120,000 | 5,400 |
| Average equity | $11,403,000 | 4,831 |
| Average total loans | $71,236,330 | 4,748 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3084% | 119 |
| Cost of funding earning assets | 1.7722% | 2,004 |
| Net interest margin | 5.5362% | 170 |
| Noninterest income to average assets | 0.7937% | 2,050 |
| Noninterest expense to average assets | 2.5446% | 5,566 |
| Loan and lease loss provision to assets | 0.0700% | 5,939 |
| Net operating income to assets | 3.3570% | 67 |
| Return on assets (ROA) | 3.3570% | 71 |
| Pretax return on assets | 3.3570% | 107 |
| Return on Equity (ROE) | 25.8703% | 138 |
| Retained earnings to average equity (ytd only) | 18.6741% | 222 |
| Net charge-offs to loans | -0.0853% | 7,491 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6114% | 7,662 |
| Assets per employee ($millions) | 2.8684% | 6,501 |
| Cash dividends to net income (ytd only)* | 27.8164% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 2,998 |
| Loan loss allowance to noncurrent loans | 64.2294% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 3.9371% | 1,755 |
| Noncurrent loans to loans | 2.6738% | 3,000 |
| Net loans and leases to total assets | 81.2023% | 683 |
| Net loans and leases to deposits | 93.8135% | 1,370 |
| Net loans and leases to core deposits | 97.0069% | 2,458 |
| Total domestic deposits to total assets | 86.5571% | 2,867 |
| Equity capital to assets | 13.2070% | 1,438 |
| Core capital (leverage) ratio | 13.1914% | 1,162 |
| Tier 1 risk-based capital ratio | 13.0809% | 4,275 |
| Total risk-based capital ratio | 14.3325% | 4,245 |
| Memoranda: | ||
| Average total assets | $85,672,500 | 5,580 |
| Average earning assets | $80,126,500 | 5,500 |
| Average equity | $11,117,000 | 4,945 |
| Average total loans | $70,380,000 | 4,842 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1433% | 227 |
| Cost of funding earning assets | 2.6588% | 656 |
| Net interest margin | 4.4845% | 1,207 |
| Noninterest income to average assets | 0.8102% | 2,356 |
| Noninterest expense to average assets | 2.8291% | 4,841 |
| Loan and lease loss provision to assets | 0.5846% | 3,456 |
| Net operating income to assets | 1.6047% | 546 |
| Return on assets (ROA) | 1.6002% | 585 |
| Pretax return on assets | 1.6137% | 934 |
| Return on Equity (ROE) | 13.6362% | 846 |
| Retained earnings to average equity (ytd only) | 8.8279% | 521 |
| Net charge-offs to loans | 0.5225% | 3,689 |
| Credit loss provision to net charge-offs | 145.5056% | 3,262 |
| Earnings coverage of net charge-offs (x) | 5.4831% | 2,584 |
| Efficiency ratio | 56.2234% | 6,988 |
| Assets per employee ($millions) | 2.8431% | 6,576 |
| Cash dividends to net income (ytd only)* | 35.2609% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 2,869 |
| Loan loss allowance to noncurrent loans | 110.2778% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 3.0050% | 2,332 |
| Noncurrent loans to loans | 1.5503% | 4,325 |
| Net loans and leases to total assets | 80.2783% | 944 |
| Net loans and leases to deposits | 92.3524% | 1,839 |
| Net loans and leases to core deposits | 117.1887% | 2,214 |
| Total domestic deposits to total assets | 86.9261% | 2,550 |
| Equity capital to assets | 12.7433% | 1,620 |
| Core capital (leverage) ratio | 12.3691% | 1,504 |
| Tier 1 risk-based capital ratio | 12.4134% | 4,582 |
| Total risk-based capital ratio | 13.6761% | 4,530 |
| Memoranda: | ||
| Average total assets | $88,614,800 | 5,429 |
| Average earning assets | $83,421,400 | 5,345 |
| Average equity | $10,398,800 | 5,191 |
| Average total loans | $68,131,800 | 4,933 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0426% | 282 |
| Cost of funding earning assets | 2.7393% | 710 |
| Net interest margin | 4.3033% | 1,722 |
| Noninterest income to average assets | 0.7557% | 2,676 |
| Noninterest expense to average assets | 2.6205% | 5,639 |
| Loan and lease loss provision to assets | 0.7349% | 2,541 |
| Net operating income to assets | 1.4608% | 895 |
| Return on assets (ROA) | 1.4608% | 950 |
| Pretax return on assets | 1.4608% | 1,517 |
| Return on Equity (ROE) | 12.7089% | 1,173 |
| Retained earnings to average equity (ytd only) | 6.2247% | 1,839 |
| Net charge-offs to loans | 0.4034% | 3,640 |
| Credit loss provision to net charge-offs | 240.4878% | 1,818 |
| Earnings coverage of net charge-offs (x) | 7.1853% | 2,455 |
| Efficiency ratio | 54.4104% | 7,195 |
| Assets per employee ($millions) | 2.9454% | 6,288 |
| Cash dividends to net income (ytd only)* | 51.0206% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 2,174 |
| Loan loss allowance to noncurrent loans | 74.3648% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 3.3849% | 1,979 |
| Noncurrent loans to loans | 2.4740% | 3,047 |
| Net loans and leases to total assets | 79.5220% | 1,284 |
| Net loans and leases to deposits | 90.6006% | 2,461 |
| Net loans and leases to core deposits | 115.0237% | 2,722 |
| Total domestic deposits to total assets | 87.7720% | 1,765 |
| Equity capital to assets | 11.8636% | 2,315 |
| Core capital (leverage) ratio | 11.6376% | 1,998 |
| Tier 1 risk-based capital ratio | 11.7074% | 5,237 |
| Total risk-based capital ratio | 12.9621% | 5,176 |
| Memoranda: | ||
| Average total assets | $89,445,500 | 5,438 |
| Average earning assets | $84,398,000 | 5,360 |
| Average equity | $10,281,250 | 5,264 |
| Average total loans | $67,749,250 | 4,993 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0802% | 276 |
| Cost of funding earning assets | 2.8066% | 776 |
| Net interest margin | 4.2736% | 1,738 |
| Noninterest income to average assets | 0.7995% | 2,414 |
| Noninterest expense to average assets | 2.7971% | 4,974 |
| Loan and lease loss provision to assets | 0.6035% | 2,639 |
| Net operating income to assets | 1.4275% | 964 |
| Return on assets (ROA) | 1.4275% | 1,030 |
| Pretax return on assets | 1.4275% | 1,651 |
| Return on Equity (ROE) | 12.5514% | 1,274 |
| Retained earnings to average equity (ytd only) | 6.6771% | 1,707 |
| Net charge-offs to loans | 0.3911% | 3,244 |
| Credit loss provision to net charge-offs | 208.4615% | 2,198 |
| Earnings coverage of net charge-offs (x) | 7.0154% | 2,508 |
| Efficiency ratio | 57.9336% | 6,875 |
| Assets per employee ($millions) | 3.0685% | 5,954 |
| Cash dividends to net income (ytd only)* | 46.8019% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 2,451 |
| Loan loss allowance to noncurrent loans | 66.2514% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 3.4675% | 1,795 |
| Noncurrent loans to loans | 2.5193% | 2,870 |
| Net loans and leases to total assets | 74.8770% | 2,472 |
| Net loans and leases to deposits | 84.6033% | 3,775 |
| Net loans and leases to core deposits | 110.2742% | 3,348 |
| Total domestic deposits to total assets | 88.5036% | 1,526 |
| Equity capital to assets | 11.1292% | 2,809 |
| Core capital (leverage) ratio | 11.0193% | 2,381 |
| Tier 1 risk-based capital ratio | 11.8807% | 5,016 |
| Total risk-based capital ratio | 13.1336% | 4,926 |
| Memoranda: | ||
| Average total assets | $89,806,330 | 5,466 |
| Average earning assets | $84,658,330 | 5,389 |
| Average equity | $10,214,000 | 5,301 |
| Average total loans | $66,470,670 | 5,088 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1529% | 268 |
| Cost of funding earning assets | 2.9428% | 695 |
| Net interest margin | 4.2101% | 1,859 |
| Noninterest income to average assets | 0.7172% | 2,782 |
| Noninterest expense to average assets | 2.3996% | 6,194 |
| Loan and lease loss provision to assets | 0.2706% | 3,795 |
| Net operating income to assets | 2.0027% | 349 |
| Return on assets (ROA) | 2.0027% | 396 |
| Pretax return on assets | 2.0027% | 666 |
| Return on Equity (ROE) | 17.4143% | 646 |
| Retained earnings to average equity (ytd only) | 17.4143% | 253 |
| Net charge-offs to loans | 0.2289% | 3,267 |
| Credit loss provision to net charge-offs | 162.1622% | 2,621 |
| Earnings coverage of net charge-offs (x) | 13.6216% | 1,725 |
| Efficiency ratio | 51.3514% | 7,479 |
| Assets per employee ($millions) | 3.1726% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 2,531 |
| Loan loss allowance to noncurrent loans | 75.0357% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 3.2031% | 1,731 |
| Noncurrent loans to loans | 2.1289% | 3,077 |
| Net loans and leases to total assets | 70.4334% | 3,587 |
| Net loans and leases to deposits | 79.7271% | 4,656 |
| Net loans and leases to core deposits | 103.2948% | 4,214 |
| Total domestic deposits to total assets | 88.3432% | 1,554 |
| Equity capital to assets | 11.3101% | 2,714 |
| Core capital (leverage) ratio | 11.1371% | 2,389 |
| Tier 1 risk-based capital ratio | 12.4438% | 4,577 |
| Total risk-based capital ratio | 13.6944% | 4,503 |
| Memoranda: | ||
| Average total assets | $88,682,000 | 5,535 |
| Average earning assets | $83,323,000 | 5,450 |
| Average equity | $10,198,500 | 5,324 |
| Average total loans | $64,657,000 | 5,172 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6390% | 317 |
| Cost of funding earning assets | 3.3975% | 715 |
| Net interest margin | 4.2415% | 2,154 |
| Noninterest income to average assets | 0.6269% | 3,658 |
| Noninterest expense to average assets | 2.6761% | 5,355 |
| Loan and lease loss provision to assets | 0.6245% | 2,334 |
| Net operating income to assets | 1.3236% | 1,420 |
| Return on assets (ROA) | 1.3693% | 1,252 |
| Pretax return on assets | 1.3693% | 2,059 |
| Return on Equity (ROE) | 11.9573% | 1,605 |
| Retained earnings to average equity (ytd only) | 10.1185% | 430 |
| Net charge-offs to loans | 0.6682% | 1,848 |
| Credit loss provision to net charge-offs | 124.7596% | 4,288 |
| Earnings coverage of net charge-offs (x) | 3.8918% | 4,191 |
| Efficiency ratio | 57.8715% | 6,723 |
| Assets per employee ($millions) | 2.9434% | 6,188 |
| Cash dividends to net income (ytd only)* | 15.3779% | 4,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 2,153 |
| Loan loss allowance to noncurrent loans | 90.1840% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 3.2229% | 1,414 |
| Noncurrent loans to loans | 1.7980% | 3,064 |
| Net loans and leases to total assets | 73.1390% | 3,327 |
| Net loans and leases to deposits | 83.2167% | 4,541 |
| Net loans and leases to core deposits | 104.2707% | 4,365 |
| Total domestic deposits to total assets | 87.8898% | 1,517 |
| Equity capital to assets | 11.7048% | 2,498 |
| Core capital (leverage) ratio | 11.8739% | 2,040 |
| Tier 1 risk-based capital ratio | 12.4717% | 4,458 |
| Total risk-based capital ratio | 13.7224% | 4,357 |
| Memoranda: | ||
| Average total assets | $83,105,800 | 5,591 |
| Average earning assets | $78,321,600 | 5,484 |
| Average equity | $9,517,200 | 5,567 |
| Average total loans | $62,260,400 | 5,169 |