Home > Exchange State Bank > Performance and Condition Ratios
Exchange State Bank, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1886% | 3,832 |
| Cost of funding earning assets | 0.1407% | 4,173 |
| Net interest margin | 3.0479% | 3,314 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.4413% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5480% | 3,995 |
| Return on assets (ROA) | 0.5480% | 3,959 |
| Pretax return on assets | 0.6583% | 3,931 |
| Return on Equity (ROE) | 6.7100% | 3,693 |
| Retained earnings to average equity (ytd only) | 1.6331% | 4,066 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.7625% | 803 |
| Assets per employee ($millions) | 5.9434% | 2,817 |
| Cash dividends to net income (ytd only)* | 75.6551% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 1,759 |
| Loan loss allowance to noncurrent loans | 306.3596% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 1,981 |
| Noncurrent loans to loans | 0.4340% | 1,621 |
| Net loans and leases to total assets | 48.4500% | 3,639 |
| Net loans and leases to deposits | 52.2830% | 3,786 |
| Net loans and leases to core deposits | 53.4866% | 3,832 |
| Total domestic deposits to total assets | 92.6700% | 473 |
| Equity capital to assets | 7.0657% | 3,634 |
| Core capital (leverage) ratio | 11.6186% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $215,870,600 | 2,940 |
| Average earning assets | $201,187,600 | 2,921 |
| Average equity | $17,635,400 | 3,153 |
| Average total loans | $100,589,200 | 3,144 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1035% | 3,673 |
| Cost of funding earning assets | 0.1376% | 3,962 |
| Net interest margin | 2.9659% | 3,308 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.0504% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8646% | 3,020 |
| Return on assets (ROA) | 0.8646% | 2,994 |
| Pretax return on assets | 0.9947% | 3,029 |
| Return on Equity (ROE) | 10.2400% | 2,652 |
| Retained earnings to average equity (ytd only) | 3.7083% | 3,548 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.3345% | 2,114 |
| Assets per employee ($millions) | 5.4746% | 3,250 |
| Cash dividends to net income (ytd only)* | 63.7919% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,785 |
| Loan loss allowance to noncurrent loans | 296.6030% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 2,022 |
| Noncurrent loans to loans | 0.4567% | 1,664 |
| Net loans and leases to total assets | 47.6500% | 3,656 |
| Net loans and leases to deposits | 51.3888% | 3,772 |
| Net loans and leases to core deposits | 52.5716% | 3,826 |
| Total domestic deposits to total assets | 92.7200% | 657 |
| Equity capital to assets | 7.0315% | 3,502 |
| Core capital (leverage) ratio | 11.1379% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $216,347,250 | 2,954 |
| Average earning assets | $202,519,250 | 2,935 |
| Average equity | $18,264,750 | 3,138 |
| Average total loans | $99,471,500 | 3,161 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0420% | 3,449 |
| Cost of funding earning assets | 0.1363% | 3,757 |
| Net interest margin | 2.9057% | 3,151 |
| Noninterest income to average assets | 0.2715% | 3,544 |
| Noninterest expense to average assets | 2.0120% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8284% | 2,857 |
| Return on assets (ROA) | 0.8284% | 2,833 |
| Pretax return on assets | 0.9876% | 2,776 |
| Return on Equity (ROE) | 9.3030% | 2,595 |
| Retained earnings to average equity (ytd only) | 4.1863% | 3,015 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0758% | 2,373 |
| Assets per employee ($millions) | 5.3190% | 3,412 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 1,822 |
| Loan loss allowance to noncurrent loans | 285.1020% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 2,070 |
| Noncurrent loans to loans | 0.4851% | 1,658 |
| Net loans and leases to total assets | 46.8173% | 3,650 |
| Net loans and leases to deposits | 50.8861% | 3,762 |
| Net loans and leases to core deposits | 52.0690% | 3,818 |
| Total domestic deposits to total assets | 92.0042% | 829 |
| Equity capital to assets | 7.7542% | 3,300 |
| Core capital (leverage) ratio | 11.1208% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,293,000 | 2,972 |
| Average earning assets | $204,009,667 | 2,964 |
| Average equity | $19,348,667 | 3,120 |
| Average total loans | $98,250,667 | 3,206 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0851% | 3,020 |
| Cost of funding earning assets | 0.1356% | 3,694 |
| Net interest margin | 2.9496% | 2,673 |
| Noninterest income to average assets | 0.2532% | 3,628 |
| Noninterest expense to average assets | 1.9986% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8544% | 2,473 |
| Return on assets (ROA) | 0.8544% | 2,465 |
| Pretax return on assets | 1.0293% | 2,353 |
| Return on Equity (ROE) | 9.0305% | 2,307 |
| Retained earnings to average equity (ytd only) | -0.5006% | 4,080 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0048% | 2,771 |
| Assets per employee ($millions) | 5.6218% | 3,214 |
| Cash dividends to net income (ytd only)* | 105.5437% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 1,755 |
| Loan loss allowance to noncurrent loans | 281.0865% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 2,159 |
| Noncurrent loans to loans | 0.5128% | 1,741 |
| Net loans and leases to total assets | 43.5690% | 3,769 |
| Net loans and leases to deposits | 47.7260% | 3,882 |
| Net loans and leases to core deposits | 48.7405% | 3,944 |
| Total domestic deposits to total assets | 91.2899% | 894 |
| Equity capital to assets | 8.5113% | 3,151 |
| Core capital (leverage) ratio | 10.5368% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,559,000 | 2,968 |
| Average earning assets | $206,539,000 | 2,956 |
| Average equity | $20,774,000 | 3,074 |
| Average total loans | $96,873,000 | 3,234 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3402% | 3,082 |
| Cost of funding earning assets | 0.2047% | 3,417 |
| Net interest margin | 3.1354% | 2,781 |
| Noninterest income to average assets | 0.4602% | 2,765 |
| Noninterest expense to average assets | 2.2173% | 3,019 |
| Loan and lease loss provision to assets | 0.0284% | 2,489 |
| Net operating income to assets | 0.9588% | 2,838 |
| Return on assets (ROA) | 0.9588% | 2,906 |
| Pretax return on assets | 1.1510% | 2,818 |
| Return on Equity (ROE) | 8.8343% | 2,974 |
| Retained earnings to average equity (ytd only) | 6.1077% | 2,315 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2774% | 2,364 |
| Assets per employee ($millions) | 5.3626% | 3,402 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,755 |
| Loan loss allowance to noncurrent loans | 159.8398% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 1,567 |
| Noncurrent loans to loans | 0.9027% | 1,122 |
| Net loans and leases to total assets | 43.4020% | 3,879 |
| Net loans and leases to deposits | 48.5723% | 3,965 |
| Net loans and leases to core deposits | 49.9537% | 4,018 |
| Total domestic deposits to total assets | 89.3554% | 1,322 |
| Equity capital to assets | 10.4094% | 2,255 |
| Core capital (leverage) ratio | 10.7798% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,201,200 | 2,974 |
| Average earning assets | $197,804,200 | 2,972 |
| Average equity | $22,922,000 | 2,992 |
| Average total loans | $98,333,600 | 3,223 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3773% | 3,173 |
| Cost of funding earning assets | 0.2203% | 3,423 |
| Net interest margin | 3.1570% | 2,871 |
| Noninterest income to average assets | 0.4988% | 2,625 |
| Noninterest expense to average assets | 2.0953% | 3,380 |
| Loan and lease loss provision to assets | 0.0287% | 2,424 |
| Net operating income to assets | 1.0996% | 2,560 |
| Return on assets (ROA) | 1.0996% | 2,616 |
| Pretax return on assets | 1.3273% | 2,550 |
| Return on Equity (ROE) | 10.0241% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.3901% | 2,655 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7097% | 2,877 |
| Assets per employee ($millions) | 5.3205% | 3,388 |
| Cash dividends to net income (ytd only)* | 36.2529% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,777 |
| Loan loss allowance to noncurrent loans | 98.4330% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 1,104 |
| Noncurrent loans to loans | 1.4833% | 713 |
| Net loans and leases to total assets | 43.8276% | 3,963 |
| Net loans and leases to deposits | 49.4065% | 4,035 |
| Net loans and leases to core deposits | 50.9443% | 4,083 |
| Total domestic deposits to total assets | 88.7083% | 1,452 |
| Equity capital to assets | 11.0192% | 2,001 |
| Core capital (leverage) ratio | 10.8660% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,034,500 | 3,025 |
| Average earning assets | $195,497,000 | 3,027 |
| Average equity | $22,930,750 | 3,028 |
| Average total loans | $98,711,000 | 3,261 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1639% | 3,742 |
| Cost of funding earning assets | 0.2337% | 3,437 |
| Net interest margin | 2.9302% | 3,501 |
| Noninterest income to average assets | 0.5034% | 2,607 |
| Noninterest expense to average assets | 2.0965% | 3,403 |
| Loan and lease loss provision to assets | 0.0289% | 2,403 |
| Net operating income to assets | 0.9318% | 3,128 |
| Return on assets (ROA) | 0.9318% | 3,207 |
| Pretax return on assets | 1.1176% | 3,156 |
| Return on Equity (ROE) | 8.5071% | 3,260 |
| Retained earnings to average equity (ytd only) | 4.1569% | 3,473 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6483% | 2,340 |
| Assets per employee ($millions) | 5.3297% | 3,311 |
| Cash dividends to net income (ytd only)* | 51.1364% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 2,052 |
| Loan loss allowance to noncurrent loans | 148.2646% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 1,796 |
| Noncurrent loans to loans | 0.9323% | 1,323 |
| Net loans and leases to total assets | 46.9193% | 3,834 |
| Net loans and leases to deposits | 52.8599% | 3,939 |
| Net loans and leases to core deposits | 54.6245% | 3,986 |
| Total domestic deposits to total assets | 88.7615% | 1,409 |
| Equity capital to assets | 10.9835% | 1,989 |
| Core capital (leverage) ratio | 10.6586% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,772,667 | 3,038 |
| Average earning assets | $194,252,667 | 3,030 |
| Average equity | $22,757,333 | 3,034 |
| Average total loans | $100,062,667 | 3,252 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0974% | 3,888 |
| Cost of funding earning assets | 0.2514% | 3,465 |
| Net interest margin | 2.8460% | 3,650 |
| Noninterest income to average assets | 0.4968% | 2,626 |
| Noninterest expense to average assets | 2.1220% | 3,353 |
| Loan and lease loss provision to assets | 0.0289% | 2,407 |
| Net operating income to assets | 0.8415% | 3,294 |
| Return on assets (ROA) | 0.8415% | 3,376 |
| Pretax return on assets | 1.0051% | 3,354 |
| Return on Equity (ROE) | 7.6933% | 3,416 |
| Retained earnings to average equity (ytd only) | -1.0211% | 4,468 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2361% | 2,038 |
| Assets per employee ($millions) | 5.5118% | 3,100 |
| Cash dividends to net income (ytd only)* | 113.2723% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 2,166 |
| Loan loss allowance to noncurrent loans | 237.1930% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 2,675 |
| Noncurrent loans to loans | 0.5724% | 2,138 |
| Net loans and leases to total assets | 46.8961% | 3,898 |
| Net loans and leases to deposits | 52.5625% | 4,020 |
| Net loans and leases to core deposits | 54.7484% | 4,062 |
| Total domestic deposits to total assets | 89.2198% | 1,220 |
| Equity capital to assets | 10.5826% | 2,185 |
| Core capital (leverage) ratio | 10.6168% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,730,500 | 3,021 |
| Average earning assets | $194,097,000 | 3,022 |
| Average equity | $22,721,000 | 3,019 |
| Average total loans | $100,648,000 | 3,251 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 3,562 |
| Cost of funding earning assets | 0.3695% | 3,769 |
| Net interest margin | 3.3363% | 2,966 |
| Noninterest income to average assets | 0.6546% | 2,010 |
| Noninterest expense to average assets | 2.4479% | 2,998 |
| Loan and lease loss provision to assets | 0.0487% | 3,785 |
| Net operating income to assets | 1.0523% | 2,098 |
| Return on assets (ROA) | 1.0555% | 2,217 |
| Pretax return on assets | 1.2681% | 2,087 |
| Return on Equity (ROE) | 8.7423% | 2,500 |
| Retained earnings to average equity (ytd only) | 5.6863% | 1,955 |
| Net charge-offs to loans | 0.0010% | 3,395 |
| Credit loss provision to net charge-offs | 9,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 2,427.0000% | 39 |
| Efficiency ratio | 65.0892% | 2,663 |
| Assets per employee ($millions) | 5.0247% | 3,366 |
| Cash dividends to net income (ytd only)* | 34.9564% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 2,345 |
| Loan loss allowance to noncurrent loans | 225.8446% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 2,757 |
| Noncurrent loans to loans | 0.5820% | 2,245 |
| Net loans and leases to total assets | 48.7270% | 3,924 |
| Net loans and leases to deposits | 55.1288% | 4,064 |
| Net loans and leases to core deposits | 58.5510% | 4,022 |
| Total domestic deposits to total assets | 88.3876% | 1,282 |
| Equity capital to assets | 11.2988% | 2,019 |
| Core capital (leverage) ratio | 11.0021% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,849,000 | 3,064 |
| Average earning assets | $172,108,600 | 3,051 |
| Average equity | $22,316,800 | 2,986 |
| Average total loans | $103,955,000 | 3,180 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 3,527 |
| Cost of funding earning assets | 0.3774% | 3,922 |
| Net interest margin | 3.4347% | 2,799 |
| Noninterest income to average assets | 0.5918% | 2,209 |
| Noninterest expense to average assets | 2.3049% | 3,409 |
| Loan and lease loss provision to assets | 0.0446% | 3,797 |
| Net operating income to assets | 1.1906% | 1,667 |
| Return on assets (ROA) | 1.1955% | 1,775 |
| Pretax return on assets | 1.4450% | 1,590 |
| Return on Equity (ROE) | 9.7234% | 2,123 |
| Retained earnings to average equity (ytd only) | 5.7797% | 2,190 |
| Net charge-offs to loans | 0.0013% | 3,177 |
| Credit loss provision to net charge-offs | 6,000.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 1,998.0000% | 55 |
| Efficiency ratio | 60.8389% | 3,250 |
| Assets per employee ($millions) | 4.9144% | 3,356 |
| Cash dividends to net income (ytd only)* | 40.5590% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,464 |
| Loan loss allowance to noncurrent loans | 211.8314% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 2,755 |
| Noncurrent loans to loans | 0.5839% | 2,336 |
| Net loans and leases to total assets | 54.4495% | 3,762 |
| Net loans and leases to deposits | 62.1714% | 3,920 |
| Net loans and leases to core deposits | 66.2652% | 3,877 |
| Total domestic deposits to total assets | 87.5797% | 1,405 |
| Equity capital to assets | 11.9972% | 1,678 |
| Core capital (leverage) ratio | 11.3578% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,558,000 | 3,094 |
| Average earning assets | $167,112,000 | 3,085 |
| Average equity | $22,076,750 | 2,996 |
| Average total loans | $104,513,500 | 3,178 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 3,580 |
| Cost of funding earning assets | 0.3871% | 4,096 |
| Net interest margin | 3.5259% | 2,710 |
| Noninterest income to average assets | 0.5173% | 2,501 |
| Noninterest expense to average assets | 2.2949% | 3,531 |
| Loan and lease loss provision to assets | 0.0342% | 3,837 |
| Net operating income to assets | 1.2159% | 1,600 |
| Return on assets (ROA) | 1.1941% | 1,781 |
| Pretax return on assets | 1.4414% | 1,609 |
| Return on Equity (ROE) | 9.6275% | 2,103 |
| Retained earnings to average equity (ytd only) | 5.0802% | 2,436 |
| Net charge-offs to loans | 0.0019% | 2,952 |
| Credit loss provision to net charge-offs | 3,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 1,318.0000% | 64 |
| Efficiency ratio | 60.4442% | 3,354 |
| Assets per employee ($millions) | 4.6525% | 3,594 |
| Cash dividends to net income (ytd only)* | 47.2328% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,340 |
| Loan loss allowance to noncurrent loans | 202.0570% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 2,841 |
| Noncurrent loans to loans | 0.6101% | 2,329 |
| Net loans and leases to total assets | 54.9769% | 3,783 |
| Net loans and leases to deposits | 62.8361% | 3,961 |
| Net loans and leases to core deposits | 67.3533% | 3,896 |
| Total domestic deposits to total assets | 87.4926% | 1,419 |
| Equity capital to assets | 12.0549% | 1,631 |
| Core capital (leverage) ratio | 11.7683% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,523,333 | 3,116 |
| Average earning assets | $163,248,000 | 3,106 |
| Average equity | $21,771,000 | 3,006 |
| Average total loans | $104,129,333 | 3,176 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,613 |
| Cost of funding earning assets | 0.3960% | 4,378 |
| Net interest margin | 3.6699% | 2,432 |
| Noninterest income to average assets | 0.3900% | 3,168 |
| Noninterest expense to average assets | 2.3708% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2402% | 1,402 |
| Return on assets (ROA) | 1.3675% | 1,141 |
| Pretax return on assets | 1.5860% | 1,093 |
| Return on Equity (ROE) | 10.8585% | 1,454 |
| Retained earnings to average equity (ytd only) | 1.6232% | 3,568 |
| Net charge-offs to loans | 0.0230% | 1,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 570 |
| Efficiency ratio | 62.2455% | 3,471 |
| Assets per employee ($millions) | 4.7756% | 2,905 |
| Cash dividends to net income (ytd only)* | 85.0515% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,649 |
| Loan loss allowance to noncurrent loans | 197.4563% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 2,874 |
| Noncurrent loans to loans | 0.6097% | 2,462 |
| Net loans and leases to total assets | 59.2894% | 3,565 |
| Net loans and leases to deposits | 68.0911% | 3,726 |
| Net loans and leases to core deposits | 73.4172% | 3,676 |
| Total domestic deposits to total assets | 87.0737% | 1,527 |
| Equity capital to assets | 12.5761% | 1,688 |
| Core capital (leverage) ratio | 12.2124% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,236,000 | 3,130 |
| Average earning assets | $158,588,000 | 3,121 |
| Average equity | $21,439,500 | 3,034 |
| Average total loans | $104,400,000 | 3,165 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 3,876 |
| Cost of funding earning assets | 0.3464% | 4,605 |
| Net interest margin | 3.8267% | 2,416 |
| Noninterest income to average assets | 0.5937% | 2,260 |
| Noninterest expense to average assets | 2.7788% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1775% | 2,146 |
| Return on assets (ROA) | 1.2382% | 1,997 |
| Pretax return on assets | 1.4533% | 1,966 |
| Return on Equity (ROE) | 10.0788% | 2,264 |
| Retained earnings to average equity (ytd only) | 6.9477% | 1,409 |
| Net charge-offs to loans | -0.0010% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7880% | 2,650 |
| Assets per employee ($millions) | 4.6820% | 2,970 |
| Cash dividends to net income (ytd only)* | 31.0665% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,544 |
| Loan loss allowance to noncurrent loans | 431.8339% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 3,670 |
| Noncurrent loans to loans | 0.2736% | 3,471 |
| Net loans and leases to total assets | 61.9273% | 3,405 |
| Net loans and leases to deposits | 71.0888% | 3,586 |
| Net loans and leases to core deposits | 74.2003% | 3,704 |
| Total domestic deposits to total assets | 87.1125% | 1,553 |
| Equity capital to assets | 12.6122% | 1,759 |
| Core capital (leverage) ratio | 12.3770% | 1,550 |
| Tier 1 risk-based capital ratio | 17.7372% | 1,828 |
| Total risk-based capital ratio | 18.8047% | 1,826 |
| Memoranda: | ||
| Average total assets | $165,074,200 | 3,153 |
| Average earning assets | $153,867,600 | 3,147 |
| Average equity | $20,280,200 | 3,107 |
| Average total loans | $102,644,400 | 3,194 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 3,968 |
| Cost of funding earning assets | 0.3391% | 4,692 |
| Net interest margin | 3.8397% | 2,467 |
| Noninterest income to average assets | 0.6455% | 2,007 |
| Noninterest expense to average assets | 2.4611% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5015% | 1,179 |
| Return on assets (ROA) | 1.5712% | 1,047 |
| Pretax return on assets | 1.8432% | 992 |
| Return on Equity (ROE) | 12.8767% | 1,326 |
| Retained earnings to average equity (ytd only) | 8.7508% | 1,116 |
| Net charge-offs to loans | 0.1086% | 1,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 26.1335% | 1,753 |
| Efficiency ratio | 58.2885% | 3,896 |
| Assets per employee ($millions) | 4.6423% | 2,982 |
| Cash dividends to net income (ytd only)* | 32.0414% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 2,914 |
| Loan loss allowance to noncurrent loans | 1,353.4884% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 4,322 |
| Noncurrent loans to loans | 0.0830% | 4,269 |
| Net loans and leases to total assets | 61.3172% | 3,559 |
| Net loans and leases to deposits | 70.5462% | 3,731 |
| Net loans and leases to core deposits | 73.6545% | 3,850 |
| Total domestic deposits to total assets | 86.9179% | 1,563 |
| Equity capital to assets | 12.7393% | 1,760 |
| Core capital (leverage) ratio | 12.5938% | 1,528 |
| Tier 1 risk-based capital ratio | 18.0619% | 1,794 |
| Total risk-based capital ratio | 19.0804% | 1,811 |
| Memoranda: | ||
| Average total assets | $164,205,000 | 3,193 |
| Average earning assets | $152,957,750 | 3,185 |
| Average equity | $20,035,750 | 3,150 |
| Average total loans | $101,898,750 | 3,238 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 4,087 |
| Cost of funding earning assets | 0.3275% | 4,747 |
| Net interest margin | 3.8054% | 2,570 |
| Noninterest income to average assets | 0.3798% | 3,403 |
| Noninterest expense to average assets | 2.4444% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2296% | 2,038 |
| Return on assets (ROA) | 1.3049% | 1,813 |
| Pretax return on assets | 1.5708% | 1,637 |
| Return on Equity (ROE) | 10.8576% | 2,041 |
| Retained earnings to average equity (ytd only) | 6.0660% | 2,250 |
| Net charge-offs to loans | 0.1599% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.9136% | 2,009 |
| Efficiency ratio | 62.2854% | 3,386 |
| Assets per employee ($millions) | 4.7454% | 2,811 |
| Cash dividends to net income (ytd only)* | 44.1315% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 2,870 |
| Loan loss allowance to noncurrent loans | 1,177.7778% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,309 |
| Noncurrent loans to loans | 0.0964% | 4,247 |
| Net loans and leases to total assets | 62.9148% | 3,459 |
| Net loans and leases to deposits | 72.2971% | 3,665 |
| Net loans and leases to core deposits | 75.5836% | 3,765 |
| Total domestic deposits to total assets | 87.0226% | 1,590 |
| Equity capital to assets | 12.6873% | 1,751 |
| Core capital (leverage) ratio | 12.3123% | 1,629 |
| Tier 1 risk-based capital ratio | 17.5080% | 1,938 |
| Total risk-based capital ratio | 18.5328% | 1,957 |
| Memoranda: | ||
| Average total assets | $163,233,000 | 3,218 |
| Average earning assets | $152,048,330 | 3,208 |
| Average equity | $19,617,670 | 3,184 |
| Average total loans | $101,319,000 | 3,271 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 4,138 |
| Cost of funding earning assets | 0.3164% | 4,791 |
| Net interest margin | 3.7779% | 2,606 |
| Noninterest income to average assets | 0.4191% | 3,059 |
| Noninterest expense to average assets | 2.4388% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2458% | 1,906 |
| Return on assets (ROA) | 1.3571% | 1,544 |
| Pretax return on assets | 1.6348% | 1,383 |
| Return on Equity (ROE) | 11.6093% | 1,687 |
| Retained earnings to average equity (ytd only) | 1.8133% | 4,115 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9048% | 3,546 |
| Assets per employee ($millions) | 4.7874% | 2,805 |
| Cash dividends to net income (ytd only)* | 84.3806% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,338 |
| Loan loss allowance to noncurrent loans | 1,164.4860% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 4,333 |
| Noncurrent loans to loans | 0.1071% | 4,256 |
| Net loans and leases to total assets | 60.6157% | 3,645 |
| Net loans and leases to deposits | 69.0030% | 3,840 |
| Net loans and leases to core deposits | 71.2853% | 3,990 |
| Total domestic deposits to total assets | 87.8450% | 1,422 |
| Equity capital to assets | 11.9399% | 2,058 |
| Core capital (leverage) ratio | 11.8242% | 1,889 |
| Tier 1 risk-based capital ratio | 17.1670% | 2,057 |
| Total risk-based capital ratio | 18.2697% | 2,048 |
| Memoranda: | ||
| Average total assets | $164,178,500 | 3,248 |
| Average earning assets | $152,994,500 | 3,237 |
| Average equity | $19,191,500 | 3,238 |
| Average total loans | $100,641,500 | 3,319 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 3,843 |
| Cost of funding earning assets | 0.2971% | 4,586 |
| Net interest margin | 3.7720% | 2,772 |
| Noninterest income to average assets | 0.3934% | 3,477 |
| Noninterest expense to average assets | 2.7079% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9941% | 3,035 |
| Return on assets (ROA) | 0.9941% | 3,029 |
| Pretax return on assets | 1.1771% | 2,977 |
| Return on Equity (ROE) | 8.9201% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.3878% | 1,505 |
| Net charge-offs to loans | 0.0479% | 2,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 39.3878% | 1,329 |
| Efficiency ratio | 69.7017% | 2,240 |
| Assets per employee ($millions) | 4.5996% | 3,016 |
| Cash dividends to net income (ytd only)* | 17.1779% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,410 |
| Loan loss allowance to noncurrent loans | 1,084.3478% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 4,330 |
| Noncurrent loans to loans | 0.1134% | 4,221 |
| Net loans and leases to total assets | 60.4672% | 3,718 |
| Net loans and leases to deposits | 68.4482% | 3,944 |
| Net loans and leases to core deposits | 70.6492% | 4,088 |
| Total domestic deposits to total assets | 88.3401% | 1,143 |
| Equity capital to assets | 11.4431% | 2,297 |
| Core capital (leverage) ratio | 11.9643% | 1,760 |
| Tier 1 risk-based capital ratio | 25.1887% | 731 |
| Total risk-based capital ratio | 26.4436% | 715 |
| Memoranda: | ||
| Average total assets | $163,963,600 | 3,226 |
| Average earning assets | $151,778,000 | 3,228 |
| Average equity | $18,273,400 | 3,267 |
| Average total loans | $102,319,400 | 3,258 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 3,761 |
| Cost of funding earning assets | 0.2944% | 4,558 |
| Net interest margin | 3.7640% | 2,776 |
| Noninterest income to average assets | 0.3921% | 3,532 |
| Noninterest expense to average assets | 2.4415% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1951% | 2,261 |
| Return on assets (ROA) | 1.1951% | 2,263 |
| Pretax return on assets | 1.4315% | 2,116 |
| Return on Equity (ROE) | 10.7962% | 2,260 |
| Retained earnings to average equity (ytd only) | 8.7341% | 1,328 |
| Net charge-offs to loans | -0.0013% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0394% | 3,329 |
| Assets per employee ($millions) | 4.4491% | 3,201 |
| Cash dividends to net income (ytd only)* | 19.0994% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,142 |
| Loan loss allowance to noncurrent loans | 665.1282% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 4,190 |
| Noncurrent loans to loans | 0.1939% | 4,015 |
| Net loans and leases to total assets | 61.9693% | 3,660 |
| Net loans and leases to deposits | 70.2750% | 3,898 |
| Net loans and leases to core deposits | 72.3707% | 4,053 |
| Total domestic deposits to total assets | 88.1812% | 1,161 |
| Equity capital to assets | 11.5497% | 2,227 |
| Core capital (leverage) ratio | 10.8817% | 2,693 |
| Tier 1 risk-based capital ratio | 23.4003% | 904 |
| Total risk-based capital ratio | 24.6542% | 881 |
| Memoranda: | ||
| Average total assets | $163,558,500 | 3,262 |
| Average earning assets | $151,253,750 | 3,262 |
| Average equity | $18,104,750 | 3,302 |
| Average total loans | $102,556,500 | 3,283 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 3,778 |
| Cost of funding earning assets | 0.2898% | 4,498 |
| Net interest margin | 3.7131% | 2,877 |
| Noninterest income to average assets | 0.3947% | 3,525 |
| Noninterest expense to average assets | 2.4167% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1707% | 2,310 |
| Return on assets (ROA) | 1.1707% | 2,310 |
| Pretax return on assets | 1.4014% | 2,140 |
| Return on Equity (ROE) | 10.7270% | 2,216 |
| Retained earnings to average equity (ytd only) | 8.0564% | 1,606 |
| Net charge-offs to loans | -0.0019% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2952% | 3,416 |
| Assets per employee ($millions) | 4.5209% | 3,099 |
| Cash dividends to net income (ytd only)* | 24.8963% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,270 |
| Loan loss allowance to noncurrent loans | 853.2895% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,379 |
| Noncurrent loans to loans | 0.1500% | 4,232 |
| Net loans and leases to total assets | 61.4688% | 3,660 |
| Net loans and leases to deposits | 69.4006% | 3,908 |
| Net loans and leases to core deposits | 71.0876% | 4,079 |
| Total domestic deposits to total assets | 88.5711% | 1,111 |
| Equity capital to assets | 11.1917% | 2,462 |
| Core capital (leverage) ratio | 10.7813% | 2,720 |
| Tier 1 risk-based capital ratio | 22.9268% | 941 |
| Total risk-based capital ratio | 24.1822% | 922 |
| Memoranda: | ||
| Average total assets | $164,688,670 | 3,268 |
| Average earning assets | $151,839,670 | 3,264 |
| Average equity | $17,973,330 | 3,334 |
| Average total loans | $103,224,670 | 3,279 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 3,854 |
| Cost of funding earning assets | 0.2846% | 4,460 |
| Net interest margin | 3.6430% | 3,014 |
| Noninterest income to average assets | 0.3477% | 3,816 |
| Noninterest expense to average assets | 2.4074% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0962% | 2,439 |
| Return on assets (ROA) | 1.0962% | 2,451 |
| Pretax return on assets | 1.3087% | 2,330 |
| Return on Equity (ROE) | 10.1722% | 2,345 |
| Retained earnings to average equity (ytd only) | 4.7948% | 3,261 |
| Net charge-offs to loans | -0.0038% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7823% | 3,359 |
| Assets per employee ($millions) | 4.6833% | 2,878 |
| Cash dividends to net income (ytd only)* | 52.8634% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,603 |
| Loan loss allowance to noncurrent loans | 800.6173% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 4,440 |
| Noncurrent loans to loans | 0.1544% | 4,289 |
| Net loans and leases to total assets | 63.2283% | 3,405 |
| Net loans and leases to deposits | 71.0958% | 3,692 |
| Net loans and leases to core deposits | 72.3888% | 3,924 |
| Total domestic deposits to total assets | 88.9340% | 1,125 |
| Equity capital to assets | 10.8470% | 2,723 |
| Core capital (leverage) ratio | 10.4700% | 2,985 |
| Tier 1 risk-based capital ratio | 21.8822% | 1,069 |
| Total risk-based capital ratio | 23.1370% | 1,043 |
| Memoranda: | ||
| Average total assets | $165,656,000 | 3,299 |
| Average earning assets | $153,171,500 | 3,285 |
| Average equity | $17,852,500 | 3,375 |
| Average total loans | $104,167,000 | 3,286 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,558 |
| Cost of funding earning assets | 0.2951% | 4,189 |
| Net interest margin | 3.6590% | 2,957 |
| Noninterest income to average assets | 0.4964% | 3,023 |
| Noninterest expense to average assets | 2.6285% | 3,356 |
| Loan and lease loss provision to assets | 0.0092% | 4,087 |
| Net operating income to assets | 0.9220% | 2,586 |
| Return on assets (ROA) | 0.9224% | 2,612 |
| Pretax return on assets | 1.2397% | 2,597 |
| Return on Equity (ROE) | 8.1839% | 2,712 |
| Retained earnings to average equity (ytd only) | 5.2119% | 1,995 |
| Net charge-offs to loans | 0.0077% | 3,804 |
| Credit loss provision to net charge-offs | 187.5000% | 1,451 |
| Earnings coverage of net charge-offs (x) | 255.2500% | 326 |
| Efficiency ratio | 67.8020% | 2,929 |
| Assets per employee ($millions) | 4.9091% | 2,588 |
| Cash dividends to net income (ytd only)* | 36.3154% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,449 |
| Loan loss allowance to noncurrent loans | 757.8947% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 4,470 |
| Noncurrent loans to loans | 0.1654% | 4,266 |
| Net loans and leases to total assets | 61.1697% | 3,713 |
| Net loans and leases to deposits | 69.1517% | 3,939 |
| Net loans and leases to core deposits | 70.3859% | 4,148 |
| Total domestic deposits to total assets | 88.4573% | 1,268 |
| Equity capital to assets | 11.3012% | 2,361 |
| Core capital (leverage) ratio | 11.4263% | 1,995 |
| Tier 1 risk-based capital ratio | 24.3908% | 780 |
| Total risk-based capital ratio | 25.6470% | 759 |
| Memoranda: | ||
| Average total assets | $163,592,000 | 3,303 |
| Average earning assets | $151,136,200 | 3,309 |
| Average equity | $18,438,600 | 3,311 |
| Average total loans | $104,041,200 | 3,281 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,472 |
| Cost of funding earning assets | 0.2987% | 4,143 |
| Net interest margin | 3.6674% | 2,876 |
| Noninterest income to average assets | 0.4571% | 3,294 |
| Noninterest expense to average assets | 2.3641% | 4,108 |
| Loan and lease loss provision to assets | 0.0123% | 3,897 |
| Net operating income to assets | 1.0758% | 2,199 |
| Return on assets (ROA) | 1.0764% | 2,248 |
| Pretax return on assets | 1.4712% | 1,877 |
| Return on Equity (ROE) | 9.5566% | 2,319 |
| Retained earnings to average equity (ytd only) | 5.5783% | 2,490 |
| Net charge-offs to loans | 0.0102% | 3,364 |
| Credit loss provision to net charge-offs | 187.5000% | 1,415 |
| Earnings coverage of net charge-offs (x) | 226.1734% | 386 |
| Efficiency ratio | 61.4566% | 3,963 |
| Assets per employee ($millions) | 4.7096% | 2,821 |
| Cash dividends to net income (ytd only)* | 41.6288% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,706 |
| Loan loss allowance to noncurrent loans | 716.0221% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 4,534 |
| Noncurrent loans to loans | 0.1729% | 4,377 |
| Net loans and leases to total assets | 64.5789% | 3,310 |
| Net loans and leases to deposits | 73.4466% | 3,628 |
| Net loans and leases to core deposits | 74.6799% | 3,920 |
| Total domestic deposits to total assets | 87.9263% | 1,408 |
| Equity capital to assets | 11.8370% | 2,085 |
| Core capital (leverage) ratio | 11.6724% | 1,905 |
| Tier 1 risk-based capital ratio | 22.4125% | 1,003 |
| Total risk-based capital ratio | 23.6656% | 986 |
| Memoranda: | ||
| Average total assets | $162,762,250 | 3,348 |
| Average earning assets | $150,440,250 | 3,347 |
| Average equity | $18,332,500 | 3,353 |
| Average total loans | $104,202,750 | 3,304 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 3,507 |
| Cost of funding earning assets | 0.2961% | 4,117 |
| Net interest margin | 3.6184% | 2,960 |
| Noninterest income to average assets | 0.4351% | 3,455 |
| Noninterest expense to average assets | 2.3662% | 4,157 |
| Loan and lease loss provision to assets | 0.0183% | 3,601 |
| Net operating income to assets | 1.0294% | 2,294 |
| Return on assets (ROA) | 1.0303% | 2,331 |
| Pretax return on assets | 1.3970% | 2,032 |
| Return on Equity (ROE) | 9.3019% | 2,362 |
| Retained earnings to average equity (ytd only) | 4.5903% | 2,981 |
| Net charge-offs to loans | 0.0115% | 3,055 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 192.8333% | 424 |
| Efficiency ratio | 62.5930% | 3,888 |
| Assets per employee ($millions) | 4.4874% | 3,126 |
| Cash dividends to net income (ytd only)* | 50.6524% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,806 |
| Loan loss allowance to noncurrent loans | 633.1707% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 4,540 |
| Noncurrent loans to loans | 0.1947% | 4,339 |
| Net loans and leases to total assets | 64.3598% | 3,337 |
| Net loans and leases to deposits | 72.8963% | 3,659 |
| Net loans and leases to core deposits | 74.0979% | 3,933 |
| Total domestic deposits to total assets | 88.2895% | 1,314 |
| Equity capital to assets | 11.5198% | 2,307 |
| Core capital (leverage) ratio | 11.4704% | 1,991 |
| Tier 1 risk-based capital ratio | 21.7113% | 1,083 |
| Total risk-based capital ratio | 22.9647% | 1,062 |
| Memoranda: | ||
| Average total assets | $163,641,330 | 3,356 |
| Average earning assets | $151,284,330 | 3,353 |
| Average equity | $18,125,330 | 3,383 |
| Average total loans | $104,036,000 | 3,319 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 3,528 |
| Cost of funding earning assets | 0.2955% | 4,095 |
| Net interest margin | 3.5692% | 3,009 |
| Noninterest income to average assets | 0.3716% | 3,874 |
| Noninterest expense to average assets | 2.3268% | 4,336 |
| Loan and lease loss provision to assets | 0.0364% | 3,068 |
| Net operating income to assets | 0.9661% | 2,454 |
| Return on assets (ROA) | 0.9642% | 2,519 |
| Pretax return on assets | 1.2921% | 2,264 |
| Return on Equity (ROE) | 8.8799% | 2,471 |
| Retained earnings to average equity (ytd only) | -0.6710% | 5,027 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6122% | 3,902 |
| Assets per employee ($millions) | 4.5600% | 3,078 |
| Cash dividends to net income (ytd only)* | 107.5567% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,706 |
| Loan loss allowance to noncurrent loans | 595.4338% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 4,588 |
| Noncurrent loans to loans | 0.2128% | 4,346 |
| Net loans and leases to total assets | 61.9055% | 3,547 |
| Net loans and leases to deposits | 69.7206% | 3,831 |
| Net loans and leases to core deposits | 71.1767% | 4,060 |
| Total domestic deposits to total assets | 88.7908% | 1,258 |
| Equity capital to assets | 10.9271% | 2,718 |
| Core capital (leverage) ratio | 10.8836% | 2,500 |
| Tier 1 risk-based capital ratio | 20.8439% | 1,241 |
| Total risk-based capital ratio | 22.0964% | 1,217 |
| Memoranda: | ||
| Average total assets | $164,688,000 | 3,374 |
| Average earning assets | $151,628,500 | 3,379 |
| Average equity | $17,883,000 | 3,424 |
| Average total loans | $103,419,000 | 3,357 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9696% | 3,311 |
| Cost of funding earning assets | 0.3051% | 4,011 |
| Net interest margin | 3.6645% | 2,843 |
| Noninterest income to average assets | 0.4489% | 3,553 |
| Noninterest expense to average assets | 2.4980% | 4,019 |
| Loan and lease loss provision to assets | 0.0376% | 3,618 |
| Net operating income to assets | 0.9786% | 2,444 |
| Return on assets (ROA) | 0.9800% | 2,544 |
| Pretax return on assets | 1.3042% | 2,266 |
| Return on Equity (ROE) | 8.8323% | 2,500 |
| Retained earnings to average equity (ytd only) | 6.3572% | 1,525 |
| Net charge-offs to loans | -0.0049% | 4,804 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0874% | 3,744 |
| Assets per employee ($millions) | 4.5893% | 2,980 |
| Cash dividends to net income (ytd only)* | 28.0230% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,875 |
| Loan loss allowance to noncurrent loans | 599.5349% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,670 |
| Noncurrent loans to loans | 0.2069% | 4,415 |
| Net loans and leases to total assets | 62.1132% | 3,599 |
| Net loans and leases to deposits | 69.8097% | 3,922 |
| Net loans and leases to core deposits | 70.9135% | 4,158 |
| Total domestic deposits to total assets | 88.9750% | 1,135 |
| Equity capital to assets | 10.7907% | 2,826 |
| Core capital (leverage) ratio | 10.9246% | 2,417 |
| Tier 1 risk-based capital ratio | 20.7348% | 1,257 |
| Total risk-based capital ratio | 21.9881% | 1,226 |
| Memoranda: | ||
| Average total assets | $159,485,000 | 3,401 |
| Average earning assets | $147,496,000 | 3,397 |
| Average equity | $17,696,400 | 3,457 |
| Average total loans | $102,289,000 | 3,347 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 3,307 |
| Cost of funding earning assets | 0.3074% | 4,015 |
| Net interest margin | 3.6687% | 2,833 |
| Noninterest income to average assets | 0.4446% | 3,597 |
| Noninterest expense to average assets | 2.3620% | 4,374 |
| Loan and lease loss provision to assets | 0.0380% | 3,481 |
| Net operating income to assets | 1.0703% | 2,119 |
| Return on assets (ROA) | 1.0722% | 2,220 |
| Pretax return on assets | 1.4400% | 1,916 |
| Return on Equity (ROE) | 9.5939% | 2,230 |
| Retained earnings to average equity (ytd only) | 6.2878% | 2,014 |
| Net charge-offs to loans | -0.0065% | 4,668 |
| Credit loss provision to net charge-offs | -900.0000% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5520% | 4,304 |
| Assets per employee ($millions) | 4.6010% | 2,926 |
| Cash dividends to net income (ytd only)* | 34.4614% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 3,131 |
| Loan loss allowance to noncurrent loans | 700.0000% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 4,853 |
| Noncurrent loans to loans | 0.1740% | 4,653 |
| Net loans and leases to total assets | 64.1652% | 3,377 |
| Net loans and leases to deposits | 72.6375% | 3,739 |
| Net loans and leases to core deposits | 73.8186% | 4,016 |
| Total domestic deposits to total assets | 88.3361% | 1,220 |
| Equity capital to assets | 11.3372% | 2,671 |
| Core capital (leverage) ratio | 11.1382% | 2,323 |
| Tier 1 risk-based capital ratio | 20.7359% | 1,315 |
| Total risk-based capital ratio | 21.9889% | 1,289 |
| Memoranda: | ||
| Average total assets | $158,052,250 | 3,430 |
| Average earning assets | $146,170,750 | 3,429 |
| Average equity | $17,663,500 | 3,487 |
| Average total loans | $101,883,750 | 3,361 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 3,373 |
| Cost of funding earning assets | 0.3066% | 4,052 |
| Net interest margin | 3.6572% | 2,868 |
| Noninterest income to average assets | 0.4355% | 3,633 |
| Noninterest expense to average assets | 2.3864% | 4,383 |
| Loan and lease loss provision to assets | 0.0382% | 3,395 |
| Net operating income to assets | 1.0350% | 2,236 |
| Return on assets (ROA) | 1.0378% | 2,355 |
| Pretax return on assets | 1.3868% | 2,074 |
| Return on Equity (ROE) | 9.3326% | 2,346 |
| Retained earnings to average equity (ytd only) | 4.4430% | 3,088 |
| Net charge-offs to loans | -0.0396% | 5,262 |
| Credit loss provision to net charge-offs | -150.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6756% | 4,239 |
| Assets per employee ($millions) | 4.4941% | 3,041 |
| Cash dividends to net income (ytd only)* | 52.3926% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 3,153 |
| Loan loss allowance to noncurrent loans | 592.5581% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 4,818 |
| Noncurrent loans to loans | 0.2087% | 4,607 |
| Net loans and leases to total assets | 64.6981% | 3,264 |
| Net loans and leases to deposits | 73.1491% | 3,689 |
| Net loans and leases to core deposits | 74.3586% | 3,950 |
| Total domestic deposits to total assets | 88.4470% | 1,197 |
| Equity capital to assets | 11.3420% | 2,703 |
| Core capital (leverage) ratio | 11.0206% | 2,413 |
| Tier 1 risk-based capital ratio | 21.0450% | 1,263 |
| Total risk-based capital ratio | 22.2983% | 1,247 |
| Memoranda: | ||
| Average total assets | $157,057,670 | 3,462 |
| Average earning assets | $144,812,000 | 3,470 |
| Average equity | $17,465,670 | 3,520 |
| Average total loans | $100,977,330 | 3,389 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 3,417 |
| Cost of funding earning assets | 0.3108% | 4,051 |
| Net interest margin | 3.6352% | 2,938 |
| Noninterest income to average assets | 0.4766% | 3,293 |
| Noninterest expense to average assets | 2.3576% | 4,497 |
| Loan and lease loss provision to assets | 0.0382% | 3,145 |
| Net operating income to assets | 1.0590% | 2,055 |
| Return on assets (ROA) | 1.0628% | 2,150 |
| Pretax return on assets | 1.4247% | 1,826 |
| Return on Equity (ROE) | 9.6536% | 2,131 |
| Retained earnings to average equity (ytd only) | -0.2315% | 5,151 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7902% | 4,477 |
| Assets per employee ($millions) | 4.5810% | 2,930 |
| Cash dividends to net income (ytd only)* | 102.3981% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 3,324 |
| Loan loss allowance to noncurrent loans | 550.6667% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 4,850 |
| Noncurrent loans to loans | 0.2229% | 4,629 |
| Net loans and leases to total assets | 64.0144% | 3,238 |
| Net loans and leases to deposits | 72.1846% | 3,635 |
| Net loans and leases to core deposits | 73.3805% | 3,950 |
| Total domestic deposits to total assets | 88.6815% | 1,253 |
| Equity capital to assets | 11.1349% | 2,791 |
| Core capital (leverage) ratio | 10.6899% | 2,746 |
| Tier 1 risk-based capital ratio | 20.7396% | 1,356 |
| Total risk-based capital ratio | 21.9928% | 1,328 |
| Memoranda: | ||
| Average total assets | $156,940,500 | 3,482 |
| Average earning assets | $144,146,000 | 3,496 |
| Average equity | $17,278,500 | 3,546 |
| Average total loans | $99,946,500 | 3,422 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 3,201 |
| Cost of funding earning assets | 0.3190% | 4,044 |
| Net interest margin | 3.7102% | 2,714 |
| Noninterest income to average assets | 0.4173% | 3,909 |
| Noninterest expense to average assets | 2.5743% | 4,011 |
| Loan and lease loss provision to assets | 0.0392% | 3,550 |
| Net operating income to assets | 0.9224% | 2,745 |
| Return on assets (ROA) | 0.9312% | 2,783 |
| Pretax return on assets | 1.2408% | 2,502 |
| Return on Equity (ROE) | 8.5470% | 2,698 |
| Retained earnings to average equity (ytd only) | 4.4713% | 2,809 |
| Net charge-offs to loans | 0.0725% | 2,797 |
| Credit loss provision to net charge-offs | 83.3333% | 2,887 |
| Earnings coverage of net charge-offs (x) | 26.9722% | 1,561 |
| Efficiency ratio | 66.9952% | 3,746 |
| Assets per employee ($millions) | 4.6508% | 2,807 |
| Cash dividends to net income (ytd only)* | 47.6858% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 3,265 |
| Loan loss allowance to noncurrent loans | 388.5714% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 4,661 |
| Noncurrent loans to loans | 0.3183% | 4,320 |
| Net loans and leases to total assets | 61.8016% | 3,586 |
| Net loans and leases to deposits | 69.5116% | 3,970 |
| Net loans and leases to core deposits | 70.6366% | 4,255 |
| Total domestic deposits to total assets | 88.9083% | 1,165 |
| Equity capital to assets | 10.8862% | 2,952 |
| Core capital (leverage) ratio | 10.9203% | 2,475 |
| Tier 1 risk-based capital ratio | 15.6029% | 2,881 |
| Total risk-based capital ratio | 16.7327% | 2,879 |
| Memoranda: | ||
| Average total assets | $153,128,600 | 3,524 |
| Average earning assets | $141,365,800 | 3,522 |
| Average equity | $16,684,200 | 3,569 |
| Average total loans | $99,262,200 | 3,395 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,160 |
| Cost of funding earning assets | 0.3286% | 4,003 |
| Net interest margin | 3.7139% | 2,702 |
| Noninterest income to average assets | 0.4266% | 3,893 |
| Noninterest expense to average assets | 2.4185% | 4,460 |
| Loan and lease loss provision to assets | 0.0395% | 3,422 |
| Net operating income to assets | 1.0435% | 2,255 |
| Return on assets (ROA) | 1.0578% | 2,277 |
| Pretax return on assets | 1.4309% | 1,901 |
| Return on Equity (ROE) | 9.7067% | 2,215 |
| Retained earnings to average equity (ytd only) | 4.1968% | 3,482 |
| Net charge-offs to loans | 0.0953% | 2,202 |
| Credit loss provision to net charge-offs | 63.3803% | 2,871 |
| Earnings coverage of net charge-offs (x) | 23.2827% | 1,743 |
| Efficiency ratio | 62.5000% | 4,493 |
| Assets per employee ($millions) | 4.4618% | 3,078 |
| Cash dividends to net income (ytd only)* | 56.7635% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,661 |
| Loan loss allowance to noncurrent loans | 523.8095% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 4,673 |
| Noncurrent loans to loans | 0.2291% | 4,744 |
| Net loans and leases to total assets | 65.6717% | 3,063 |
| Net loans and leases to deposits | 74.1807% | 3,529 |
| Net loans and leases to core deposits | 75.6108% | 3,839 |
| Total domestic deposits to total assets | 88.5293% | 1,288 |
| Equity capital to assets | 11.2294% | 2,772 |
| Core capital (leverage) ratio | 11.1508% | 2,353 |
| Tier 1 risk-based capital ratio | 15.5087% | 3,042 |
| Total risk-based capital ratio | 16.6353% | 3,033 |
| Memoranda: | ||
| Average total assets | $151,879,000 | 3,574 |
| Average earning assets | $140,799,000 | 3,562 |
| Average equity | $16,551,750 | 3,617 |
| Average total loans | $99,340,500 | 3,430 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 3,231 |
| Cost of funding earning assets | 0.3360% | 3,973 |
| Net interest margin | 3.6771% | 2,806 |
| Noninterest income to average assets | 0.4225% | 3,905 |
| Noninterest expense to average assets | 2.4444% | 4,414 |
| Loan and lease loss provision to assets | 0.0395% | 3,329 |
| Net operating income to assets | 1.0052% | 2,370 |
| Return on assets (ROA) | 1.0188% | 2,406 |
| Pretax return on assets | 1.3716% | 2,104 |
| Return on Equity (ROE) | 9.4444% | 2,325 |
| Retained earnings to average equity (ytd only) | 1.0982% | 5,131 |
| Net charge-offs to loans | 0.1214% | 1,797 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 17.6333% | 1,844 |
| Efficiency ratio | 63.7050% | 4,400 |
| Assets per employee ($millions) | 4.2482% | 3,389 |
| Cash dividends to net income (ytd only)* | 88.3721% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,773 |
| Loan loss allowance to noncurrent loans | 387.7814% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 4,548 |
| Noncurrent loans to loans | 0.3102% | 4,580 |
| Net loans and leases to total assets | 66.6097% | 2,848 |
| Net loans and leases to deposits | 75.0957% | 3,377 |
| Net loans and leases to core deposits | 76.5604% | 3,712 |
| Total domestic deposits to total assets | 88.6998% | 1,297 |
| Equity capital to assets | 11.0891% | 2,794 |
| Core capital (leverage) ratio | 10.8086% | 2,604 |
| Tier 1 risk-based capital ratio | 15.2233% | 3,237 |
| Total risk-based capital ratio | 16.3558% | 3,237 |
| Memoranda: | ||
| Average total assets | $151,938,670 | 3,602 |
| Average earning assets | $141,088,670 | 3,582 |
| Average equity | $16,390,670 | 3,658 |
| Average total loans | $98,842,670 | 3,459 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 3,366 |
| Cost of funding earning assets | 0.3394% | 3,990 |
| Net interest margin | 3.6243% | 2,913 |
| Noninterest income to average assets | 0.3907% | 4,083 |
| Noninterest expense to average assets | 2.4563% | 4,423 |
| Loan and lease loss provision to assets | 0.0391% | 3,127 |
| Net operating income to assets | 0.9455% | 2,533 |
| Return on assets (ROA) | 0.9455% | 2,666 |
| Pretax return on assets | 1.2607% | 2,419 |
| Return on Equity (ROE) | 8.8851% | 2,504 |
| Retained earnings to average equity (ytd only) | -7.8571% | 6,070 |
| Net charge-offs to loans | 0.0978% | 1,744 |
| Credit loss provision to net charge-offs | 62.5000% | 1,974 |
| Earnings coverage of net charge-offs (x) | 20.7917% | 1,401 |
| Efficiency ratio | 65.3953% | 4,254 |
| Assets per employee ($millions) | 4.1956% | 3,573 |
| Cash dividends to net income (ytd only)* | 188.4298% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 3,657 |
| Loan loss allowance to noncurrent loans | 246.8813% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 4,290 |
| Noncurrent loans to loans | 0.5085% | 4,057 |
| Net loans and leases to total assets | 63.9016% | 3,101 |
| Net loans and leases to deposits | 71.7609% | 3,556 |
| Net loans and leases to core deposits | 73.1245% | 3,860 |
| Total domestic deposits to total assets | 89.0479% | 1,229 |
| Equity capital to assets | 10.7799% | 3,217 |
| Core capital (leverage) ratio | 10.8402% | 2,584 |
| Tier 1 risk-based capital ratio | 16.2120% | 2,816 |
| Total risk-based capital ratio | 16.2120% | 3,378 |
| Memoranda: | ||
| Average total assets | $153,564,500 | 3,596 |
| Average earning assets | $142,595,000 | 3,584 |
| Average equity | $16,342,000 | 3,690 |
| Average total loans | $98,141,000 | 3,488 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 3,575 |
| Cost of funding earning assets | 0.3903% | 3,788 |
| Net interest margin | 3.6461% | 3,228 |
| Noninterest income to average assets | 0.3422% | 4,651 |
| Noninterest expense to average assets | 2.5684% | 4,330 |
| Loan and lease loss provision to assets | 0.0491% | 3,588 |
| Net operating income to assets | 0.8425% | 3,160 |
| Return on assets (ROA) | 0.8461% | 3,234 |
| Pretax return on assets | 1.0790% | 3,170 |
| Return on Equity (ROE) | 8.2489% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.6109% | 1,153 |
| Net charge-offs to loans | 0.1632% | 2,403 |
| Credit loss provision to net charge-offs | 48.3871% | 3,516 |
| Earnings coverage of net charge-offs (x) | 11.0774% | 2,547 |
| Efficiency ratio | 69.5675% | 3,615 |
| Assets per employee ($millions) | 4.4597% | 3,099 |
| Cash dividends to net income (ytd only)* | 7.7340% | 4,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 3,700 |
| Loan loss allowance to noncurrent loans | 363.5294% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 4,929 |
| Noncurrent loans to loans | 0.3450% | 4,622 |
| Net loans and leases to total assets | 62.3375% | 3,458 |
| Net loans and leases to deposits | 69.8046% | 3,940 |
| Net loans and leases to core deposits | 71.2068% | 4,199 |
| Total domestic deposits to total assets | 89.3029% | 1,069 |
| Equity capital to assets | 10.5081% | 3,468 |
| Core capital (leverage) ratio | 10.4632% | 2,989 |
| Tier 1 risk-based capital ratio | 15.6858% | 3,132 |
| Total risk-based capital ratio | 16.8175% | 3,130 |
| Memoranda: | ||
| Average total assets | $152,821,400 | 3,586 |
| Average earning assets | $140,395,000 | 3,601 |
| Average equity | $15,674,800 | 3,727 |
| Average total loans | $94,985,800 | 3,525 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 3,656 |
| Cost of funding earning assets | 0.4000% | 3,784 |
| Net interest margin | 3.6262% | 3,327 |
| Noninterest income to average assets | 0.3228% | 4,853 |
| Noninterest expense to average assets | 2.4139% | 4,783 |
| Loan and lease loss provision to assets | 0.0596% | 3,168 |
| Net operating income to assets | 0.9127% | 2,852 |
| Return on assets (ROA) | 0.9114% | 2,959 |
| Pretax return on assets | 1.1789% | 2,865 |
| Return on Equity (ROE) | 8.9415% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.0809% | 1,317 |
| Net charge-offs to loans | 0.2097% | 1,794 |
| Credit loss provision to net charge-offs | 45.9459% | 3,177 |
| Earnings coverage of net charge-offs (x) | 9.5540% | 2,656 |
| Efficiency ratio | 66.0586% | 4,205 |
| Assets per employee ($millions) | 4.3133% | 3,275 |
| Cash dividends to net income (ytd only)* | 9.6246% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 3,783 |
| Loan loss allowance to noncurrent loans | 222.3022% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 4,625 |
| Noncurrent loans to loans | 0.5731% | 4,198 |
| Net loans and leases to total assets | 63.4417% | 3,273 |
| Net loans and leases to deposits | 71.2338% | 3,769 |
| Net loans and leases to core deposits | 72.8523% | 4,069 |
| Total domestic deposits to total assets | 89.0612% | 1,203 |
| Equity capital to assets | 10.7043% | 3,295 |
| Core capital (leverage) ratio | 10.5467% | 2,987 |
| Tier 1 risk-based capital ratio | 15.7000% | 3,212 |
| Total risk-based capital ratio | 16.8503% | 3,202 |
| Memoranda: | ||
| Average total assets | $152,004,500 | 3,624 |
| Average earning assets | $139,647,000 | 3,636 |
| Average equity | $15,493,000 | 3,773 |
| Average total loans | $94,097,750 | 3,581 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,781 |
| Cost of funding earning assets | 0.4063% | 3,809 |
| Net interest margin | 3.5805% | 3,440 |
| Noninterest income to average assets | 0.2468% | 5,434 |
| Noninterest expense to average assets | 2.3748% | 4,959 |
| Loan and lease loss provision to assets | 0.0591% | 3,091 |
| Net operating income to assets | 0.8536% | 3,055 |
| Return on assets (ROA) | 0.8546% | 3,151 |
| Pretax return on assets | 1.0883% | 3,140 |
| Return on Equity (ROE) | 8.5261% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.6094% | 1,477 |
| Net charge-offs to loans | 0.3157% | 1,277 |
| Credit loss provision to net charge-offs | 30.6122% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.9388% | 2,847 |
| Efficiency ratio | 67.4497% | 4,124 |
| Assets per employee ($millions) | 4.3031% | 3,271 |
| Cash dividends to net income (ytd only)* | 10.7527% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 3,922 |
| Loan loss allowance to noncurrent loans | 327.2237% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,994 |
| Noncurrent loans to loans | 0.3934% | 4,814 |
| Net loans and leases to total assets | 61.8140% | 3,434 |
| Net loans and leases to deposits | 69.1824% | 3,918 |
| Net loans and leases to core deposits | 70.7448% | 4,185 |
| Total domestic deposits to total assets | 89.3493% | 1,185 |
| Equity capital to assets | 10.4575% | 3,493 |
| Core capital (leverage) ratio | 10.1954% | 3,344 |
| Tier 1 risk-based capital ratio | 16.0623% | 3,058 |
| Total risk-based capital ratio | 17.2668% | 3,014 |
| Memoranda: | ||
| Average total assets | $152,350,330 | 3,644 |
| Average earning assets | $139,311,000 | 3,664 |
| Average equity | $15,270,670 | 3,808 |
| Average total loans | $93,126,330 | 3,615 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,817 |
| Cost of funding earning assets | 0.4139% | 3,827 |
| Net interest margin | 3.5551% | 3,457 |
| Noninterest income to average assets | 0.3028% | 4,928 |
| Noninterest expense to average assets | 2.3600% | 5,038 |
| Loan and lease loss provision to assets | 0.0600% | 2,906 |
| Net operating income to assets | 0.8772% | 2,760 |
| Return on assets (ROA) | 0.8772% | 2,825 |
| Pretax return on assets | 1.1121% | 2,845 |
| Return on Equity (ROE) | 8.9415% | 2,491 |
| Retained earnings to average equity (ytd only) | 7.0787% | 2,004 |
| Net charge-offs to loans | -0.0086% | 4,995 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8145% | 4,396 |
| Assets per employee ($millions) | 4.5468% | 2,903 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 3,340 |
| Loan loss allowance to noncurrent loans | 132.6409% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 3,675 |
| Noncurrent loans to loans | 1.0987% | 3,222 |
| Net loans and leases to total assets | 58.6574% | 3,743 |
| Net loans and leases to deposits | 65.1612% | 4,182 |
| Net loans and leases to core deposits | 66.5759% | 4,439 |
| Total domestic deposits to total assets | 90.0188% | 1,068 |
| Equity capital to assets | 9.8220% | 4,071 |
| Core capital (leverage) ratio | 9.8791% | 3,745 |
| Tier 1 risk-based capital ratio | 15.7396% | 3,309 |
| Total risk-based capital ratio | 16.9445% | 3,300 |
| Memoranda: | ||
| Average total assets | $153,220,500 | 3,662 |
| Average earning assets | $139,180,000 | 3,683 |
| Average equity | $15,031,000 | 3,856 |
| Average total loans | $92,533,500 | 3,643 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 3,547 |
| Cost of funding earning assets | 0.5115% | 3,482 |
| Net interest margin | 3.6365% | 3,301 |
| Noninterest income to average assets | 0.3967% | 4,471 |
| Noninterest expense to average assets | 2.4997% | 4,762 |
| Loan and lease loss provision to assets | 0.1027% | 3,084 |
| Net operating income to assets | 0.8190% | 3,194 |
| Return on assets (ROA) | 0.8250% | 3,248 |
| Pretax return on assets | 1.1143% | 2,904 |
| Return on Equity (ROE) | 8.3868% | 2,838 |
| Retained earnings to average equity (ytd only) | 5.7936% | 2,104 |
| Net charge-offs to loans | 0.0598% | 4,381 |
| Credit loss provision to net charge-offs | 278.1818% | 815 |
| Earnings coverage of net charge-offs (x) | 32.7455% | 1,097 |
| Efficiency ratio | 67.4027% | 4,306 |
| Assets per employee ($millions) | 4.4662% | 2,961 |
| Cash dividends to net income (ytd only)* | 30.9194% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 3,581 |
| Loan loss allowance to noncurrent loans | 200.9160% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 4,376 |
| Noncurrent loans to loans | 0.7039% | 4,212 |
| Net loans and leases to total assets | 60.4090% | 3,636 |
| Net loans and leases to deposits | 67.1049% | 4,172 |
| Net loans and leases to core deposits | 68.2720% | 4,484 |
| Total domestic deposits to total assets | 90.0217% | 1,061 |
| Equity capital to assets | 9.7978% | 4,045 |
| Core capital (leverage) ratio | 9.8247% | 3,813 |
| Tier 1 risk-based capital ratio | 15.6539% | 3,272 |
| Total risk-based capital ratio | 16.8753% | 3,248 |
| Memoranda: | ||
| Average total assets | $148,975,800 | 3,724 |
| Average earning assets | $135,681,400 | 3,726 |
| Average equity | $14,654,000 | 3,933 |
| Average total loans | $92,019,600 | 3,639 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 3,511 |
| Cost of funding earning assets | 0.5269% | 3,497 |
| Net interest margin | 3.6380% | 3,286 |
| Noninterest income to average assets | 0.4137% | 4,419 |
| Noninterest expense to average assets | 2.3733% | 5,105 |
| Loan and lease loss provision to assets | 0.1106% | 2,922 |
| Net operating income to assets | 0.9067% | 2,802 |
| Return on assets (ROA) | 0.9146% | 2,864 |
| Pretax return on assets | 1.2501% | 2,512 |
| Return on Equity (ROE) | 9.2887% | 2,501 |
| Retained earnings to average equity (ytd only) | 5.8180% | 2,526 |
| Net charge-offs to loans | 0.0814% | 3,792 |
| Credit loss provision to net charge-offs | 219.6429% | 1,110 |
| Earnings coverage of net charge-offs (x) | 26.8053% | 1,333 |
| Efficiency ratio | 63.7440% | 4,845 |
| Assets per employee ($millions) | 4.3260% | 3,173 |
| Cash dividends to net income (ytd only)* | 37.3644% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 3,848 |
| Loan loss allowance to noncurrent loans | 146.0227% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 4,115 |
| Noncurrent loans to loans | 0.9663% | 3,880 |
| Net loans and leases to total assets | 61.0433% | 3,517 |
| Net loans and leases to deposits | 67.9988% | 4,058 |
| Net loans and leases to core deposits | 69.3599% | 4,389 |
| Total domestic deposits to total assets | 89.7712% | 1,129 |
| Equity capital to assets | 10.0038% | 3,895 |
| Core capital (leverage) ratio | 10.0040% | 3,678 |
| Tier 1 risk-based capital ratio | 15.7096% | 3,345 |
| Total risk-based capital ratio | 16.9496% | 3,309 |
| Memoranda: | ||
| Average total assets | $148,257,250 | 3,772 |
| Average earning assets | $134,867,750 | 3,779 |
| Average equity | $14,598,000 | 3,989 |
| Average total loans | $91,762,750 | 3,669 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 3,477 |
| Cost of funding earning assets | 0.5359% | 3,541 |
| Net interest margin | 3.6337% | 3,229 |
| Noninterest income to average assets | 0.4373% | 4,267 |
| Noninterest expense to average assets | 2.3411% | 5,237 |
| Loan and lease loss provision to assets | 0.1211% | 2,807 |
| Net operating income to assets | 0.9247% | 2,679 |
| Return on assets (ROA) | 0.9364% | 2,774 |
| Pretax return on assets | 1.2849% | 2,355 |
| Return on Equity (ROE) | 9.5609% | 2,392 |
| Retained earnings to average equity (ytd only) | 4.3409% | 3,511 |
| Net charge-offs to loans | 0.1478% | 2,922 |
| Credit loss provision to net charge-offs | 132.3529% | 1,718 |
| Earnings coverage of net charge-offs (x) | 15.1912% | 1,762 |
| Efficiency ratio | 62.7479% | 5,059 |
| Assets per employee ($millions) | 4.1870% | 3,384 |
| Cash dividends to net income (ytd only)* | 54.5977% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 4,181 |
| Loan loss allowance to noncurrent loans | 223.4234% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 4,629 |
| Noncurrent loans to loans | 0.6121% | 4,722 |
| Net loans and leases to total assets | 61.0267% | 3,480 |
| Net loans and leases to deposits | 67.8891% | 4,032 |
| Net loans and leases to core deposits | 69.2442% | 4,358 |
| Total domestic deposits to total assets | 89.8918% | 1,087 |
| Equity capital to assets | 9.8851% | 4,076 |
| Core capital (leverage) ratio | 9.7541% | 3,863 |
| Tier 1 risk-based capital ratio | 15.5222% | 3,468 |
| Total risk-based capital ratio | 16.7728% | 3,421 |
| Memoranda: | ||
| Average total assets | $148,648,330 | 3,796 |
| Average earning assets | $134,738,330 | 3,811 |
| Average equity | $14,559,330 | 4,032 |
| Average total loans | $91,993,670 | 3,673 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 3,351 |
| Cost of funding earning assets | 0.5709% | 3,374 |
| Net interest margin | 3.6174% | 3,197 |
| Noninterest income to average assets | 0.4623% | 4,037 |
| Noninterest expense to average assets | 2.3407% | 5,303 |
| Loan and lease loss provision to assets | 0.1202% | 2,718 |
| Net operating income to assets | 0.9192% | 2,567 |
| Return on assets (ROA) | 0.9192% | 2,713 |
| Pretax return on assets | 1.2692% | 2,342 |
| Return on Equity (ROE) | 9.4272% | 2,304 |
| Retained earnings to average equity (ytd only) | -0.9866% | 5,951 |
| Net charge-offs to loans | 0.2979% | 1,776 |
| Credit loss provision to net charge-offs | 65.2174% | 2,355 |
| Earnings coverage of net charge-offs (x) | 7.5362% | 2,056 |
| Efficiency ratio | 62.7507% | 5,189 |
| Assets per employee ($millions) | 4.2918% | 3,355 |
| Cash dividends to net income (ytd only)* | 110.4651% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 4,695 |
| Loan loss allowance to noncurrent loans | 235.9684% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 4,850 |
| Noncurrent loans to loans | 0.5510% | 5,060 |
| Net loans and leases to total assets | 60.3416% | 3,367 |
| Net loans and leases to deposits | 66.9857% | 3,917 |
| Net loans and leases to core deposits | 68.2414% | 4,272 |
| Total domestic deposits to total assets | 90.0814% | 994 |
| Equity capital to assets | 9.7089% | 4,551 |
| Core capital (leverage) ratio | 9.3601% | 4,305 |
| Tier 1 risk-based capital ratio | 14.8510% | 3,939 |
| Total risk-based capital ratio | 16.1106% | 3,894 |
| Memoranda: | ||
| Average total assets | $149,700,500 | 3,815 |
| Average earning assets | $135,235,000 | 3,843 |
| Average equity | $14,596,000 | 4,072 |
| Average total loans | $92,655,000 | 3,683 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 2,002 |
| Cost of funding earning assets | 0.7535% | 3,063 |
| Net interest margin | 4.1017% | 1,994 |
| Noninterest income to average assets | 0.5393% | 3,651 |
| Noninterest expense to average assets | 2.7258% | 4,303 |
| Loan and lease loss provision to assets | 0.1798% | 3,379 |
| Net operating income to assets | 0.9689% | 2,466 |
| Return on assets (ROA) | 0.9721% | 2,684 |
| Pretax return on assets | 1.3093% | 2,364 |
| Return on Equity (ROE) | 9.6909% | 2,321 |
| Retained earnings to average equity (ytd only) | 7.7556% | 1,209 |
| Net charge-offs to loans | 0.1326% | 4,350 |
| Credit loss provision to net charge-offs | 203.2520% | 1,263 |
| Earnings coverage of net charge-offs (x) | 16.7886% | 1,555 |
| Efficiency ratio | 64.7370% | 4,751 |
| Assets per employee ($millions) | 4.1441% | 3,659 |
| Cash dividends to net income (ytd only)* | 19.9704% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,621 |
| Loan loss allowance to noncurrent loans | 172.2772% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 4,715 |
| Noncurrent loans to loans | 0.7564% | 4,670 |
| Net loans and leases to total assets | 61.8394% | 3,278 |
| Net loans and leases to deposits | 69.7158% | 3,747 |
| Net loans and leases to core deposits | 71.0445% | 4,163 |
| Total domestic deposits to total assets | 88.7022% | 1,767 |
| Equity capital to assets | 9.7917% | 4,461 |
| Core capital (leverage) ratio | 9.6702% | 3,860 |
| Tier 1 risk-based capital ratio | 14.2801% | 4,181 |
| Total risk-based capital ratio | 15.5148% | 4,150 |
| Memoranda: | ||
| Average total assets | $139,080,400 | 3,966 |
| Average earning assets | $124,486,000 | 4,009 |
| Average equity | $13,951,200 | 4,165 |
| Average total loans | $92,776,600 | 3,682 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 1,694 |
| Cost of funding earning assets | 0.7918% | 3,013 |
| Net interest margin | 4.2082% | 1,713 |
| Noninterest income to average assets | 0.5263% | 3,762 |
| Noninterest expense to average assets | 2.6304% | 4,634 |
| Loan and lease loss provision to assets | 0.1660% | 3,451 |
| Net operating income to assets | 1.0963% | 2,106 |
| Return on assets (ROA) | 1.0984% | 2,291 |
| Pretax return on assets | 1.4949% | 1,902 |
| Return on Equity (ROE) | 10.8795% | 2,002 |
| Retained earnings to average equity (ytd only) | 8.2684% | 1,510 |
| Net charge-offs to loans | 0.1742% | 3,713 |
| Credit loss provision to net charge-offs | 140.4959% | 2,055 |
| Earnings coverage of net charge-offs (x) | 14.0330% | 1,869 |
| Efficiency ratio | 61.3388% | 5,253 |
| Assets per employee ($millions) | 3.8998% | 4,087 |
| Cash dividends to net income (ytd only)* | 24.0000% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 5,147 |
| Loan loss allowance to noncurrent loans | 125.1372% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 4,571 |
| Noncurrent loans to loans | 0.9822% | 4,478 |
| Net loans and leases to total assets | 65.2542% | 2,787 |
| Net loans and leases to deposits | 74.0696% | 3,272 |
| Net loans and leases to core deposits | 75.7527% | 3,757 |
| Total domestic deposits to total assets | 88.0985% | 1,989 |
| Equity capital to assets | 10.2590% | 4,123 |
| Core capital (leverage) ratio | 10.0929% | 3,416 |
| Tier 1 risk-based capital ratio | 12.2301% | 5,818 |
| Total risk-based capital ratio | 13.2410% | 5,929 |
| Memoranda: | ||
| Average total assets | $136,553,500 | 4,050 |
| Average earning assets | $122,074,750 | 4,102 |
| Average equity | $13,787,000 | 4,245 |
| Average total loans | $92,602,000 | 3,728 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 1,627 |
| Cost of funding earning assets | 0.8159% | 3,072 |
| Net interest margin | 4.2459% | 1,620 |
| Noninterest income to average assets | 0.5411% | 3,647 |
| Noninterest expense to average assets | 2.5755% | 4,861 |
| Loan and lease loss provision to assets | 0.1848% | 3,254 |
| Net operating income to assets | 1.1629% | 1,842 |
| Return on assets (ROA) | 1.1650% | 2,033 |
| Pretax return on assets | 1.5923% | 1,573 |
| Return on Equity (ROE) | 11.6039% | 1,802 |
| Retained earnings to average equity (ytd only) | 7.6279% | 1,799 |
| Net charge-offs to loans | -0.0065% | 6,211 |
| Credit loss provision to net charge-offs | -4,166.6667% | 6,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2114% | 5,705 |
| Assets per employee ($millions) | 3.8329% | 4,239 |
| Cash dividends to net income (ytd only)* | 34.2640% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,887 |
| Loan loss allowance to noncurrent loans | 115.6546% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 4,730 |
| Noncurrent loans to loans | 1.1241% | 4,276 |
| Net loans and leases to total assets | 68.9849% | 2,101 |
| Net loans and leases to deposits | 78.4757% | 2,602 |
| Net loans and leases to core deposits | 80.3305% | 3,171 |
| Total domestic deposits to total assets | 87.9062% | 2,208 |
| Equity capital to assets | 10.4069% | 3,801 |
| Core capital (leverage) ratio | 9.9032% | 3,568 |
| Tier 1 risk-based capital ratio | 11.8403% | 6,033 |
| Total risk-based capital ratio | 12.9201% | 6,106 |
| Memoranda: | ||
| Average total assets | $135,273,330 | 4,088 |
| Average earning assets | $121,342,000 | 4,143 |
| Average equity | $13,581,670 | 4,282 |
| Average total loans | $92,551,670 | 3,743 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 1,640 |
| Cost of funding earning assets | 0.8256% | 3,271 |
| Net interest margin | 4.2536% | 1,601 |
| Noninterest income to average assets | 0.5124% | 3,835 |
| Noninterest expense to average assets | 2.5767% | 4,898 |
| Loan and lease loss provision to assets | 0.1325% | 3,698 |
| Net operating income to assets | 1.1691% | 1,828 |
| Return on assets (ROA) | 1.1691% | 2,008 |
| Pretax return on assets | 1.5961% | 1,592 |
| Return on Equity (ROE) | 11.8578% | 1,713 |
| Retained earnings to average equity (ytd only) | 3.7933% | 4,309 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8495% | 5,638 |
| Assets per employee ($millions) | 3.9167% | 4,170 |
| Cash dividends to net income (ytd only)* | 68.0101% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,361 |
| Loan loss allowance to noncurrent loans | 106.3670% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.8236% | 4,886 |
| Noncurrent loans to loans | 1.1556% | 4,398 |
| Net loans and leases to total assets | 66.5867% | 2,367 |
| Net loans and leases to deposits | 75.3367% | 2,917 |
| Net loans and leases to core deposits | 77.0531% | 3,463 |
| Total domestic deposits to total assets | 88.3854% | 2,078 |
| Equity capital to assets | 9.8354% | 4,325 |
| Core capital (leverage) ratio | 9.6892% | 3,781 |
| Tier 1 risk-based capital ratio | 12.3800% | 5,698 |
| Total risk-based capital ratio | 13.4622% | 5,791 |
| Memoranda: | ||
| Average total assets | $135,834,500 | 4,111 |
| Average earning assets | $121,122,000 | 4,174 |
| Average equity | $13,392,000 | 4,329 |
| Average total loans | $91,946,000 | 3,782 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4559% | 1,275 |
| Cost of funding earning assets | 0.9876% | 3,466 |
| Net interest margin | 4.4683% | 1,212 |
| Noninterest income to average assets | 0.4253% | 4,403 |
| Noninterest expense to average assets | 2.9872% | 3,636 |
| Loan and lease loss provision to assets | 0.1962% | 4,223 |
| Net operating income to assets | 0.9840% | 2,262 |
| Return on assets (ROA) | 0.9840% | 2,405 |
| Pretax return on assets | 1.3104% | 2,089 |
| Return on Equity (ROE) | 9.8771% | 2,099 |
| Retained earnings to average equity (ytd only) | 6.7817% | 1,599 |
| Net charge-offs to loans | 0.3003% | 3,900 |
| Credit loss provision to net charge-offs | 90.2527% | 3,995 |
| Earnings coverage of net charge-offs (x) | 6.9314% | 2,424 |
| Efficiency ratio | 66.4746% | 4,670 |
| Assets per employee ($millions) | 3.8452% | 4,215 |
| Cash dividends to net income (ytd only)* | 31.3397% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,427 |
| Loan loss allowance to noncurrent loans | 112.7066% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 5,107 |
| Noncurrent loans to loans | 1.0582% | 4,591 |
| Net loans and leases to total assets | 67.1586% | 2,547 |
| Net loans and leases to deposits | 76.0136% | 3,181 |
| Net loans and leases to core deposits | 77.7624% | 3,709 |
| Total domestic deposits to total assets | 88.3507% | 1,938 |
| Equity capital to assets | 9.8831% | 4,324 |
| Core capital (leverage) ratio | 9.7996% | 3,607 |
| Tier 1 risk-based capital ratio | 11.8494% | 5,933 |
| Total risk-based capital ratio | 12.8541% | 6,075 |
| Memoranda: | ||
| Average total assets | $127,442,600 | 4,223 |
| Average earning assets | $116,039,000 | 4,237 |
| Average equity | $12,696,000 | 4,397 |
| Average total loans | $92,232,400 | 3,804 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4710% | 1,331 |
| Cost of funding earning assets | 1.0163% | 3,561 |
| Net interest margin | 4.4547% | 1,262 |
| Noninterest income to average assets | 0.4000% | 4,667 |
| Noninterest expense to average assets | 2.8755% | 4,032 |
| Loan and lease loss provision to assets | 0.1804% | 4,224 |
| Net operating income to assets | 1.0494% | 2,142 |
| Return on assets (ROA) | 1.0494% | 2,287 |
| Pretax return on assets | 1.4324% | 1,841 |
| Return on Equity (ROE) | 10.5114% | 2,026 |
| Retained earnings to average equity (ytd only) | 6.3345% | 2,340 |
| Net charge-offs to loans | 0.2929% | 3,624 |
| Credit loss provision to net charge-offs | 83.7438% | 4,014 |
| Earnings coverage of net charge-offs (x) | 7.4877% | 2,353 |
| Efficiency ratio | 64.0662% | 5,053 |
| Assets per employee ($millions) | 3.4409% | 5,141 |
| Cash dividends to net income (ytd only)* | 39.7375% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 5,606 |
| Loan loss allowance to noncurrent loans | 91.0999% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 4,783 |
| Noncurrent loans to loans | 1.2811% | 4,389 |
| Net loans and leases to total assets | 72.1667% | 1,676 |
| Net loans and leases to deposits | 82.2235% | 2,318 |
| Net loans and leases to core deposits | 84.2223% | 3,030 |
| Total domestic deposits to total assets | 87.7689% | 2,179 |
| Equity capital to assets | 10.2871% | 3,974 |
| Core capital (leverage) ratio | 9.9403% | 3,517 |
| Tier 1 risk-based capital ratio | 11.6702% | 6,127 |
| Total risk-based capital ratio | 12.6780% | 6,278 |
| Memoranda: | ||
| Average total assets | $125,657,500 | 4,284 |
| Average earning assets | $115,320,500 | 4,272 |
| Average equity | $12,544,750 | 4,442 |
| Average total loans | $92,421,750 | 3,838 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4082% | 1,536 |
| Cost of funding earning assets | 1.0323% | 3,727 |
| Net interest margin | 4.3759% | 1,447 |
| Noninterest income to average assets | 0.3549% | 5,049 |
| Noninterest expense to average assets | 2.8760% | 4,123 |
| Loan and lease loss provision to assets | 0.1998% | 3,929 |
| Net operating income to assets | 0.9752% | 2,331 |
| Return on assets (ROA) | 0.9752% | 2,434 |
| Pretax return on assets | 1.3045% | 2,124 |
| Return on Equity (ROE) | 9.8700% | 2,164 |
| Retained earnings to average equity (ytd only) | 3.5111% | 4,013 |
| Net charge-offs to loans | 0.4228% | 2,867 |
| Credit loss provision to net charge-offs | 64.1026% | 4,231 |
| Earnings coverage of net charge-offs (x) | 4.8256% | 2,765 |
| Efficiency ratio | 65.6569% | 4,943 |
| Assets per employee ($millions) | 3.3687% | 5,283 |
| Cash dividends to net income (ytd only)* | 64.4262% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 5,953 |
| Loan loss allowance to noncurrent loans | 87.1880% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 4,764 |
| Noncurrent loans to loans | 1.2631% | 4,552 |
| Net loans and leases to total assets | 75.5067% | 1,154 |
| Net loans and leases to deposits | 86.7673% | 1,682 |
| Net loans and leases to core deposits | 88.9209% | 2,511 |
| Total domestic deposits to total assets | 87.0220% | 2,725 |
| Equity capital to assets | 10.1491% | 3,948 |
| Core capital (leverage) ratio | 9.7810% | 3,548 |
| Tier 1 risk-based capital ratio | 11.6858% | 6,023 |
| Total risk-based capital ratio | 12.6816% | 6,211 |
| Memoranda: | ||
| Average total assets | $125,105,000 | 4,318 |
| Average earning assets | $115,084,670 | 4,303 |
| Average equity | $12,360,670 | 4,460 |
| Average total loans | $92,241,000 | 3,883 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4111% | 1,521 |
| Cost of funding earning assets | 1.0689% | 3,727 |
| Net interest margin | 4.3423% | 1,440 |
| Noninterest income to average assets | 0.3511% | 5,090 |
| Noninterest expense to average assets | 2.8850% | 4,127 |
| Loan and lease loss provision to assets | 0.1436% | 4,212 |
| Net operating income to assets | 0.9478% | 2,367 |
| Return on assets (ROA) | 0.9478% | 2,432 |
| Pretax return on assets | 1.2638% | 2,152 |
| Return on Equity (ROE) | 9.7250% | 2,198 |
| Retained earnings to average equity (ytd only) | -3.1434% | 6,320 |
| Net charge-offs to loans | -0.0044% | 6,229 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2119% | 4,811 |
| Assets per employee ($millions) | 3.4064% | 5,225 |
| Cash dividends to net income (ytd only)* | 132.3232% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 5,237 |
| Loan loss allowance to noncurrent loans | 65.6885% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 4,082 |
| Noncurrent loans to loans | 1.9474% | 3,641 |
| Net loans and leases to total assets | 71.2725% | 1,865 |
| Net loans and leases to deposits | 80.5208% | 2,607 |
| Net loans and leases to core deposits | 82.5384% | 3,375 |
| Total domestic deposits to total assets | 88.5144% | 2,069 |
| Equity capital to assets | 9.6734% | 4,213 |
| Core capital (leverage) ratio | 9.5438% | 3,742 |
| Tier 1 risk-based capital ratio | 11.4020% | 6,175 |
| Total risk-based capital ratio | 12.5076% | 6,276 |
| Memoranda: | ||
| Average total assets | $125,336,500 | 4,351 |
| Average earning assets | $113,765,500 | 4,362 |
| Average equity | $12,216,000 | 4,501 |
| Average total loans | $90,781,000 | 3,954 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7775% | 1,340 |
| Cost of funding earning assets | 1.2509% | 4,211 |
| Net interest margin | 4.5266% | 1,169 |
| Noninterest income to average assets | 0.4165% | 4,769 |
| Noninterest expense to average assets | 3.1927% | 3,124 |
| Loan and lease loss provision to assets | 0.3107% | 4,318 |
| Net operating income to assets | 0.8434% | 2,618 |
| Return on assets (ROA) | 0.8441% | 2,750 |
| Pretax return on assets | 1.0685% | 2,705 |
| Return on Equity (ROE) | 8.3146% | 2,575 |
| Retained earnings to average equity (ytd only) | 4.1615% | 2,937 |
| Net charge-offs to loans | 0.2640% | 4,714 |
| Credit loss provision to net charge-offs | 154.2017% | 2,298 |
| Earnings coverage of net charge-offs (x) | 6.8403% | 2,260 |
| Efficiency ratio | 69.8463% | 4,206 |
| Assets per employee ($millions) | 3.3686% | 5,247 |
| Cash dividends to net income (ytd only)* | 49.9498% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,347 |
| Loan loss allowance to noncurrent loans | 60.6291% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 4,024 |
| Noncurrent loans to loans | 2.0360% | 3,508 |
| Net loans and leases to total assets | 71.7692% | 2,150 |
| Net loans and leases to deposits | 81.2356% | 2,946 |
| Net loans and leases to core deposits | 83.4906% | 3,668 |
| Total domestic deposits to total assets | 88.3470% | 2,042 |
| Equity capital to assets | 9.8205% | 3,973 |
| Core capital (leverage) ratio | 9.8988% | 3,210 |
| Tier 1 risk-based capital ratio | 11.1357% | 6,226 |
| Total risk-based capital ratio | 12.1567% | 6,376 |
| Memoranda: | ||
| Average total assets | $118,114,600 | 4,522 |
| Average earning assets | $108,403,000 | 4,501 |
| Average equity | $11,991,000 | 4,609 |
| Average total loans | $90,160,800 | 4,049 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 1,412 |
| Cost of funding earning assets | 1.2830% | 4,343 |
| Net interest margin | 4.5121% | 1,233 |
| Noninterest income to average assets | 0.3743% | 5,156 |
| Noninterest expense to average assets | 3.0722% | 3,461 |
| Loan and lease loss provision to assets | 0.2209% | 4,850 |
| Net operating income to assets | 0.9640% | 2,360 |
| Return on assets (ROA) | 0.9649% | 2,482 |
| Pretax return on assets | 1.2408% | 2,359 |
| Return on Equity (ROE) | 9.4224% | 2,342 |
| Retained earnings to average equity (ytd only) | 3.8450% | 3,755 |
| Net charge-offs to loans | 0.2842% | 4,241 |
| Credit loss provision to net charge-offs | 100.5208% | 4,291 |
| Earnings coverage of net charge-offs (x) | 6.6459% | 2,482 |
| Efficiency ratio | 67.7778% | 4,508 |
| Assets per employee ($millions) | 3.2369% | 5,599 |
| Cash dividends to net income (ytd only)* | 59.1938% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 6,048 |
| Loan loss allowance to noncurrent loans | 55.0306% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.8594% | 3,666 |
| Noncurrent loans to loans | 1.9519% | 3,744 |
| Net loans and leases to total assets | 76.1278% | 1,387 |
| Net loans and leases to deposits | 87.6414% | 2,057 |
| Net loans and leases to core deposits | 90.2581% | 3,060 |
| Total domestic deposits to total assets | 86.8628% | 2,604 |
| Equity capital to assets | 10.3075% | 3,758 |
| Core capital (leverage) ratio | 10.1455% | 3,105 |
| Tier 1 risk-based capital ratio | 11.8641% | 5,578 |
| Total risk-based capital ratio | 12.8398% | 5,834 |
| Memoranda: | ||
| Average total assets | $116,484,000 | 4,630 |
| Average earning assets | $107,354,000 | 4,587 |
| Average equity | $11,928,750 | 4,701 |
| Average total loans | $90,058,750 | 4,113 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7925% | 1,444 |
| Cost of funding earning assets | 1.3105% | 4,477 |
| Net interest margin | 4.4820% | 1,241 |
| Noninterest income to average assets | 0.3345% | 5,472 |
| Noninterest expense to average assets | 3.0540% | 3,505 |
| Loan and lease loss provision to assets | 0.2375% | 4,536 |
| Net operating income to assets | 0.9294% | 2,438 |
| Return on assets (ROA) | 0.9308% | 2,529 |
| Pretax return on assets | 1.1647% | 2,535 |
| Return on Equity (ROE) | 9.1094% | 2,420 |
| Retained earnings to average equity (ytd only) | 1.7981% | 4,965 |
| Net charge-offs to loans | 0.2977% | 3,836 |
| Credit loss provision to net charge-offs | 103.0075% | 3,954 |
| Earnings coverage of net charge-offs (x) | 6.0752% | 2,537 |
| Efficiency ratio | 68.5603% | 4,467 |
| Assets per employee ($millions) | 3.0675% | 6,002 |
| Cash dividends to net income (ytd only)* | 80.2607% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,914 |
| Loan loss allowance to noncurrent loans | 56.9381% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.5931% | 4,060 |
| Noncurrent loans to loans | 1.9403% | 3,811 |
| Net loans and leases to total assets | 76.2603% | 1,438 |
| Net loans and leases to deposits | 87.6837% | 2,232 |
| Net loans and leases to core deposits | 90.3723% | 3,206 |
| Total domestic deposits to total assets | 86.9720% | 2,541 |
| Equity capital to assets | 10.2107% | 3,754 |
| Core capital (leverage) ratio | 11.1470% | 2,138 |
| Tier 1 risk-based capital ratio | 11.9866% | 5,325 |
| Total risk-based capital ratio | 12.9953% | 5,506 |
| Memoranda: | ||
| Average total assets | $115,389,670 | 4,671 |
| Average earning assets | $106,069,000 | 4,641 |
| Average equity | $11,790,000 | 4,734 |
| Average total loans | $89,356,330 | 4,163 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8203% | 1,401 |
| Cost of funding earning assets | 1.3268% | 4,640 |
| Net interest margin | 4.4935% | 1,164 |
| Noninterest income to average assets | 0.2892% | 5,832 |
| Noninterest expense to average assets | 2.9895% | 3,720 |
| Loan and lease loss provision to assets | 0.2648% | 3,913 |
| Net operating income to assets | 0.9727% | 2,293 |
| Return on assets (ROA) | 0.9756% | 2,345 |
| Pretax return on assets | 1.1568% | 2,527 |
| Return on Equity (ROE) | 9.5449% | 2,272 |
| Retained earnings to average equity (ytd only) | -4.2270% | 6,528 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8261% | 4,753 |
| Assets per employee ($millions) | 3.0125% | 6,189 |
| Cash dividends to net income (ytd only)* | 144.2857% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 5,534 |
| Loan loss allowance to noncurrent loans | 67.4051% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.4571% | 4,319 |
| Noncurrent loans to loans | 1.7706% | 4,094 |
| Net loans and leases to total assets | 77.0236% | 1,323 |
| Net loans and leases to deposits | 88.5688% | 2,116 |
| Net loans and leases to core deposits | 91.1244% | 3,217 |
| Total domestic deposits to total assets | 86.9647% | 2,643 |
| Equity capital to assets | 10.1551% | 3,664 |
| Core capital (leverage) ratio | 10.0850% | 3,059 |
| Tier 1 risk-based capital ratio | 11.7080% | 5,484 |
| Total risk-based capital ratio | 12.7859% | 5,613 |
| Memoranda: | ||
| Average total assets | $114,802,500 | 4,748 |
| Average earning assets | $105,218,000 | 4,731 |
| Average equity | $11,734,000 | 4,781 |
| Average total loans | $89,092,000 | 4,225 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9747% | 1,963 |
| Cost of funding earning assets | 1.6163% | 4,960 |
| Net interest margin | 4.3585% | 1,549 |
| Noninterest income to average assets | 0.4974% | 4,435 |
| Noninterest expense to average assets | 3.2973% | 3,018 |
| Loan and lease loss provision to assets | 0.2695% | 5,256 |
| Net operating income to assets | 0.7309% | 2,810 |
| Return on assets (ROA) | 0.7309% | 2,888 |
| Pretax return on assets | 0.9173% | 2,870 |
| Return on Equity (ROE) | 6.8480% | 2,846 |
| Retained earnings to average equity (ytd only) | 3.6748% | 2,618 |
| Net charge-offs to loans | 0.1908% | 5,456 |
| Credit loss provision to net charge-offs | 183.6478% | 2,233 |
| Earnings coverage of net charge-offs (x) | 8.0881% | 2,006 |
| Efficiency ratio | 73.5336% | 3,991 |
| Assets per employee ($millions) | 3.0298% | 6,146 |
| Cash dividends to net income (ytd only)* | 46.3384% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 5,843 |
| Loan loss allowance to noncurrent loans | 57.8701% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.5956% | 3,982 |
| Noncurrent loans to loans | 1.9214% | 3,769 |
| Net loans and leases to total assets | 76.3982% | 1,712 |
| Net loans and leases to deposits | 87.9536% | 2,561 |
| Net loans and leases to core deposits | 97.2546% | 4,320 |
| Total domestic deposits to total assets | 86.8619% | 2,578 |
| Equity capital to assets | 10.2865% | 3,417 |
| Core capital (leverage) ratio | 10.4432% | 2,657 |
| Tier 1 risk-based capital ratio | 14.0702% | 3,456 |
| Total risk-based capital ratio | 15.2601% | 3,448 |
| Memoranda: | ||
| Average total assets | $108,360,400 | 4,865 |
| Average earning assets | $99,117,800 | 4,863 |
| Average equity | $11,565,400 | 4,855 |
| Average total loans | $83,320,600 | 4,405 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0236% | 1,941 |
| Cost of funding earning assets | 1.6772% | 5,022 |
| Net interest margin | 4.3464% | 1,598 |
| Noninterest income to average assets | 0.5237% | 4,289 |
| Noninterest expense to average assets | 3.2486% | 3,130 |
| Loan and lease loss provision to assets | 0.1550% | 5,799 |
| Net operating income to assets | 0.8537% | 2,599 |
| Return on assets (ROA) | 0.8537% | 2,664 |
| Pretax return on assets | 1.1012% | 2,562 |
| Return on Equity (ROE) | 7.9214% | 2,676 |
| Retained earnings to average equity (ytd only) | 6.8544% | 1,566 |
| Net charge-offs to loans | 0.2588% | 4,433 |
| Credit loss provision to net charge-offs | 77.9874% | 5,811 |
| Earnings coverage of net charge-offs (x) | 6.3209% | 2,627 |
| Efficiency ratio | 72.1143% | 4,224 |
| Assets per employee ($millions) | 2.9004% | 6,403 |
| Cash dividends to net income (ytd only)* | 13.4696% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 6,420 |
| Loan loss allowance to noncurrent loans | 51.7003% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.6000% | 3,950 |
| Noncurrent loans to loans | 1.8845% | 3,792 |
| Net loans and leases to total assets | 77.7585% | 1,619 |
| Net loans and leases to deposits | 90.9611% | 2,399 |
| Net loans and leases to core deposits | 101.2805% | 4,237 |
| Total domestic deposits to total assets | 85.4854% | 2,977 |
| Equity capital to assets | 11.2437% | 2,800 |
| Core capital (leverage) ratio | 10.9746% | 2,420 |
| Tier 1 risk-based capital ratio | 15.2072% | 2,947 |
| Total risk-based capital ratio | 16.2600% | 2,976 |
| Memoranda: | ||
| Average total assets | $106,667,750 | 4,941 |
| Average earning assets | $97,702,500 | 4,932 |
| Average equity | $11,496,000 | 4,926 |
| Average total loans | $81,914,000 | 4,485 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0376% | 2,026 |
| Cost of funding earning assets | 1.7227% | 5,166 |
| Net interest margin | 4.3149% | 1,613 |
| Noninterest income to average assets | 0.5749% | 3,870 |
| Noninterest expense to average assets | 3.2578% | 3,124 |
| Loan and lease loss provision to assets | 0.0902% | 6,270 |
| Net operating income to assets | 0.8811% | 2,532 |
| Return on assets (ROA) | 0.8811% | 2,638 |
| Pretax return on assets | 1.1423% | 2,493 |
| Return on Equity (ROE) | 8.2965% | 2,655 |
| Retained earnings to average equity (ytd only) | 7.4120% | 1,432 |
| Net charge-offs to loans | 0.2909% | 3,739 |
| Credit loss provision to net charge-offs | 40.6780% | 5,892 |
| Earnings coverage of net charge-offs (x) | 5.5593% | 2,810 |
| Efficiency ratio | 72.5523% | 4,293 |
| Assets per employee ($millions) | 2.8967% | 6,399 |
| Cash dividends to net income (ytd only)* | 10.6610% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,477 |
| Loan loss allowance to noncurrent loans | 34.7634% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 2.2589% | 2,884 |
| Noncurrent loans to loans | 2.7755% | 2,589 |
| Net loans and leases to total assets | 75.2729% | 2,375 |
| Net loans and leases to deposits | 87.2985% | 3,304 |
| Net loans and leases to core deposits | 96.8918% | 4,803 |
| Total domestic deposits to total assets | 86.2248% | 2,659 |
| Equity capital to assets | 10.5609% | 3,329 |
| Core capital (leverage) ratio | 10.8401% | 2,535 |
| Tier 1 risk-based capital ratio | 15.2566% | 2,907 |
| Total risk-based capital ratio | 16.2827% | 2,941 |
| Memoranda: | ||
| Average total assets | $106,452,670 | 4,975 |
| Average earning assets | $96,595,330 | 4,987 |
| Average equity | $11,306,000 | 5,000 |
| Average total loans | $81,130,000 | 4,555 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9928% | 2,395 |
| Cost of funding earning assets | 1.7645% | 5,291 |
| Net interest margin | 4.2282% | 1,814 |
| Noninterest income to average assets | 0.5392% | 3,999 |
| Noninterest expense to average assets | 3.1822% | 3,065 |
| Loan and lease loss provision to assets | 0.0905% | 5,802 |
| Net operating income to assets | 0.8521% | 2,900 |
| Return on assets (ROA) | 0.8521% | 3,057 |
| Pretax return on assets | 1.0972% | 2,996 |
| Return on Equity (ROE) | 8.0004% | 3,154 |
| Retained earnings to average equity (ytd only) | 6.2304% | 2,537 |
| Net charge-offs to loans | 0.3409% | 2,722 |
| Credit loss provision to net charge-offs | 34.7826% | 4,889 |
| Earnings coverage of net charge-offs (x) | 4.5652% | 2,858 |
| Efficiency ratio | 72.8214% | 4,032 |
| Assets per employee ($millions) | 2.9634% | 6,250 |
| Cash dividends to net income (ytd only)* | 22.1239% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 6,121 |
| Loan loss allowance to noncurrent loans | 65.8814% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.4342% | 3,784 |
| Noncurrent loans to loans | 1.5305% | 3,988 |
| Net loans and leases to total assets | 74.6318% | 2,592 |
| Net loans and leases to deposits | 86.5291% | 3,545 |
| Net loans and leases to core deposits | 96.4961% | 4,908 |
| Total domestic deposits to total assets | 86.2506% | 2,586 |
| Equity capital to assets | 10.6064% | 3,365 |
| Core capital (leverage) ratio | 10.7845% | 2,669 |
| Tier 1 risk-based capital ratio | 15.3397% | 2,919 |
| Total risk-based capital ratio | 16.4267% | 2,937 |
| Memoranda: | ||
| Average total assets | $106,090,000 | 5,002 |
| Average earning assets | $96,116,000 | 5,022 |
| Average equity | $11,299,500 | 5,028 |
| Average total loans | $80,964,000 | 4,584 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4086% | 3,371 |
| Cost of funding earning assets | 2.0243% | 6,331 |
| Net interest margin | 4.3843% | 1,738 |
| Noninterest income to average assets | 0.4060% | 5,421 |
| Noninterest expense to average assets | 3.2111% | 3,292 |
| Loan and lease loss provision to assets | 0.0981% | 6,132 |
| Net operating income to assets | 1.2150% | 1,731 |
| Return on assets (ROA) | 0.2876% | 5,393 |
| Pretax return on assets | 0.2155% | 5,697 |
| Return on Equity (ROE) | 2.6524% | 5,361 |
| Retained earnings to average equity (ytd only) | 0.4347% | 4,985 |
| Net charge-offs to loans | 0.0836% | 5,564 |
| Credit loss provision to net charge-offs | 154.5455% | 3,376 |
| Earnings coverage of net charge-offs (x) | 19.5455% | 1,626 |
| Efficiency ratio | 72.1262% | 3,914 |
| Assets per employee ($millions) | 2.8513% | 6,445 |
| Cash dividends to net income (ytd only)* | 83.6120% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 5,625 |
| Loan loss allowance to noncurrent loans | 74.1768% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.2209% | 3,791 |
| Noncurrent loans to loans | 1.4160% | 3,683 |
| Net loans and leases to total assets | 76.4396% | 2,514 |
| Net loans and leases to deposits | 88.7006% | 3,683 |
| Net loans and leases to core deposits | 97.7254% | 5,067 |
| Total domestic deposits to total assets | 86.1771% | 2,328 |
| Equity capital to assets | 10.6958% | 3,302 |
| Core capital (leverage) ratio | 10.8524% | 2,705 |
| Tier 1 risk-based capital ratio | 14.8975% | 3,095 |
| Total risk-based capital ratio | 16.0323% | 3,082 |
| Memoranda: | ||
| Average total assets | $103,953,400 | 4,934 |
| Average earning assets | $95,933,600 | 4,924 |
| Average equity | $11,273,000 | 5,045 |
| Average total loans | $78,931,800 | 4,557 |