Home > Exchange State Bank > Performance and Condition Ratios
Exchange State Bank, Performance and Condition Ratios
| 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 | 4.0526% | 3,884 |
| Cost of funding earning assets | 1.0656% | 563 |
| Net interest margin | 2.9870% | 4,814 |
| Noninterest income to average assets | 0.0994% | 5,148 |
| Noninterest expense to average assets | 1.9287% | 4,852 |
| Loan and lease loss provision to assets | 0.1126% | 1,962 |
| Net operating income to assets | 0.8574% | 3,586 |
| Return on assets (ROA) | 0.8574% | 3,584 |
| Pretax return on assets | 0.8626% | 3,997 |
| Return on Equity (ROE) | 10.8634% | 2,144 |
| Retained earnings to average equity (ytd only) | 8.0049% | 1,232 |
| Net charge-offs to loans | -0.0045% | 4,331 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4190% | 2,795 |
| Assets per employee ($millions) | 7.7993% | 704 |
| Cash dividends to net income (ytd only)* | 26.3129% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 1,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 61.5511% | 3,611 |
| Net loans and leases to deposits | 73.9497% | 3,506 |
| Net loans and leases to core deposits | 78.5139% | 3,538 |
| Total domestic deposits to total assets | 83.2338% | 3,252 |
| Equity capital to assets | 7.7469% | 5,235 |
| Core capital (leverage) ratio | 7.8135% | 5,277 |
| Tier 1 risk-based capital ratio | 12.0467% | 4,398 |
| Total risk-based capital ratio | 13.2967% | 4,279 |
| Memoranda: | ||
| Average total assets | $213,200,400 | 2,747 |
| Average earning assets | $200,169,600 | 2,719 |
| Average equity | $16,827,200 | 3,418 |
| Average total loans | $133,856,400 | 2,834 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 3,875 |
| Cost of funding earning assets | 1.0192% | 548 |
| Net interest margin | 2.9981% | 4,850 |
| Noninterest income to average assets | 0.1105% | 5,173 |
| Noninterest expense to average assets | 1.9997% | 4,745 |
| Loan and lease loss provision to assets | 0.1143% | 1,773 |
| Net operating income to assets | 0.8052% | 3,880 |
| Return on assets (ROA) | 0.8052% | 3,889 |
| Pretax return on assets | 0.8078% | 4,270 |
| Return on Equity (ROE) | 10.1517% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.1182% | 1,597 |
| Net charge-offs to loans | -0.0051% | 4,229 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4416% | 2,454 |
| Assets per employee ($millions) | 7.6909% | 717 |
| Cash dividends to net income (ytd only)* | 20.0317% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 61.1375% | 3,736 |
| Net loans and leases to deposits | 73.6103% | 3,629 |
| Net loans and leases to core deposits | 77.9969% | 3,654 |
| Total domestic deposits to total assets | 83.0556% | 3,294 |
| Equity capital to assets | 7.5499% | 5,298 |
| Core capital (leverage) ratio | 7.8102% | 5,355 |
| Tier 1 risk-based capital ratio | 12.0522% | 4,476 |
| Total risk-based capital ratio | 13.3026% | 4,357 |
| Memoranda: | ||
| Average total assets | $209,955,250 | 2,788 |
| Average earning assets | $196,878,000 | 2,764 |
| Average equity | $16,653,500 | 3,458 |
| Average total loans | $132,052,000 | 2,870 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 3,892 |
| Cost of funding earning assets | 0.9591% | 560 |
| Net interest margin | 3.0037% | 4,875 |
| Noninterest income to average assets | 0.1187% | 5,196 |
| Noninterest expense to average assets | 2.0847% | 4,641 |
| Loan and lease loss provision to assets | 0.1167% | 1,698 |
| Net operating income to assets | 0.7335% | 4,091 |
| Return on assets (ROA) | 0.7335% | 4,087 |
| Pretax return on assets | 0.7354% | 4,420 |
| Return on Equity (ROE) | 9.0889% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.5580% | 1,818 |
| Net charge-offs to loans | -0.0046% | 4,082 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9838% | 2,166 |
| Assets per employee ($millions) | 7.5916% | 739 |
| Cash dividends to net income (ytd only)* | 16.8435% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 61.1259% | 3,694 |
| Net loans and leases to deposits | 72.3425% | 3,682 |
| Net loans and leases to core deposits | 76.6309% | 3,689 |
| Total domestic deposits to total assets | 84.4952% | 2,874 |
| Equity capital to assets | 7.5655% | 5,364 |
| Core capital (leverage) ratio | 7.8534% | 5,385 |
| Tier 1 risk-based capital ratio | 12.0326% | 4,472 |
| Total risk-based capital ratio | 13.2695% | 4,358 |
| Memoranda: | ||
| Average total assets | $205,595,330 | 2,849 |
| Average earning assets | $192,897,670 | 2,825 |
| Average equity | $16,591,670 | 3,487 |
| Average total loans | $130,018,000 | 2,912 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,837 |
| Cost of funding earning assets | 0.8886% | 636 |
| Net interest margin | 3.0442% | 4,810 |
| Noninterest income to average assets | 0.1291% | 5,217 |
| Noninterest expense to average assets | 2.3417% | 4,078 |
| Loan and lease loss provision to assets | 0.1210% | 1,557 |
| Net operating income to assets | 0.5063% | 4,679 |
| Return on assets (ROA) | 0.5063% | 4,685 |
| Pretax return on assets | 0.5063% | 4,859 |
| Return on Equity (ROE) | 6.0630% | 4,138 |
| Retained earnings to average equity (ytd only) | 6.0630% | 2,684 |
| Net charge-offs to loans | -0.0032% | 3,889 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8723% | 1,269 |
| Assets per employee ($millions) | 7.2499% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 2,127 |
| Loan loss allowance to noncurrent loans | 5,069.6970% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 5,044 |
| Noncurrent loans to loans | 0.0261% | 4,864 |
| Net loans and leases to total assets | 59.2909% | 3,820 |
| Net loans and leases to deposits | 69.0978% | 3,864 |
| Net loans and leases to core deposits | 73.4073% | 3,859 |
| Total domestic deposits to total assets | 85.8072% | 2,629 |
| Equity capital to assets | 7.8341% | 5,316 |
| Core capital (leverage) ratio | 8.3496% | 5,231 |
| Tier 1 risk-based capital ratio | 12.5043% | 4,235 |
| Total risk-based capital ratio | 13.7546% | 4,140 |
| Memoranda: | ||
| Average total assets | $198,314,500 | 2,946 |
| Average earning assets | $185,006,000 | 2,941 |
| Average equity | $16,559,500 | 3,519 |
| Average total loans | $126,873,000 | 2,977 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 3,242 |
| Cost of funding earning assets | 0.6332% | 1,399 |
| Net interest margin | 3.4176% | 3,797 |
| Noninterest income to average assets | 0.1098% | 5,372 |
| Noninterest expense to average assets | 2.2996% | 4,328 |
| Loan and lease loss provision to assets | 0.1409% | 1,615 |
| Net operating income to assets | 0.8681% | 2,875 |
| Return on assets (ROA) | 0.8681% | 2,896 |
| Pretax return on assets | 0.8722% | 4,006 |
| Return on Equity (ROE) | 9.0312% | 2,300 |
| Retained earnings to average equity (ytd only) | 3.8531% | 2,903 |
| Net charge-offs to loans | 0.0099% | 3,738 |
| Credit loss provision to net charge-offs | 2,000.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 143.8333% | 488 |
| Efficiency ratio | 69.4189% | 2,633 |
| Assets per employee ($millions) | 6.4269% | 1,248 |
| Cash dividends to net income (ytd only)* | 57.3360% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.4978% | 2,890 |
| Net loans and leases to deposits | 79.4798% | 2,971 |
| Net loans and leases to core deposits | 85.1972% | 2,969 |
| Total domestic deposits to total assets | 84.9244% | 2,867 |
| Equity capital to assets | 8.9322% | 4,783 |
| Core capital (leverage) ratio | 9.1951% | 4,401 |
| Tier 1 risk-based capital ratio | 12.2012% | 4,394 |
| Total risk-based capital ratio | 13.4115% | 4,318 |
| Memoranda: | ||
| Average total assets | $170,375,600 | 3,242 |
| Average earning assets | $159,671,800 | 3,204 |
| Average equity | $16,376,600 | 3,549 |
| Average total loans | $121,420,200 | 3,040 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,090 |
| Cost of funding earning assets | 0.6161% | 1,429 |
| Net interest margin | 3.4542% | 3,664 |
| Noninterest income to average assets | 0.1130% | 5,433 |
| Noninterest expense to average assets | 2.3392% | 4,189 |
| Loan and lease loss provision to assets | 0.1442% | 1,463 |
| Net operating income to assets | 0.8687% | 3,184 |
| Return on assets (ROA) | 0.8687% | 3,230 |
| Pretax return on assets | 0.8735% | 4,130 |
| Return on Equity (ROE) | 8.8621% | 2,689 |
| Retained earnings to average equity (ytd only) | 3.5563% | 3,797 |
| Net charge-offs to loans | 0.0145% | 3,232 |
| Credit loss provision to net charge-offs | 1,384.6154% | 269 |
| Earnings coverage of net charge-offs (x) | 97.7086% | 697 |
| Efficiency ratio | 69.6825% | 2,584 |
| Assets per employee ($millions) | 6.0121% | 1,486 |
| Cash dividends to net income (ytd only)* | 59.8706% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,689 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 5,157 |
| Noncurrent loans to loans | 0.0264% | 5,005 |
| Net loans and leases to total assets | 70.8272% | 2,438 |
| Net loans and leases to deposits | 86.1378% | 2,277 |
| Net loans and leases to core deposits | 93.1261% | 2,336 |
| Total domestic deposits to total assets | 82.2255% | 3,707 |
| Equity capital to assets | 9.4964% | 4,451 |
| Core capital (leverage) ratio | 9.4514% | 4,226 |
| Tier 1 risk-based capital ratio | 12.4759% | 4,330 |
| Total risk-based capital ratio | 13.6812% | 4,267 |
| Memoranda: | ||
| Average total assets | $166,374,250 | 3,311 |
| Average earning assets | $156,250,250 | 3,273 |
| Average equity | $16,308,750 | 3,589 |
| Average total loans | $119,921,500 | 3,084 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,046 |
| Cost of funding earning assets | 0.5911% | 1,504 |
| Net interest margin | 3.4479% | 3,598 |
| Noninterest income to average assets | 0.1136% | 5,468 |
| Noninterest expense to average assets | 2.3187% | 4,297 |
| Loan and lease loss provision to assets | 0.1466% | 1,384 |
| Net operating income to assets | 0.8918% | 2,955 |
| Return on assets (ROA) | 0.8918% | 3,015 |
| Pretax return on assets | 0.8979% | 3,942 |
| Return on Equity (ROE) | 8.9979% | 2,509 |
| Retained earnings to average equity (ytd only) | 3.6731% | 3,516 |
| Net charge-offs to loans | 0.0237% | 2,747 |
| Credit loss provision to net charge-offs | 857.1429% | 433 |
| Earnings coverage of net charge-offs (x) | 61.0714% | 940 |
| Efficiency ratio | 68.9430% | 2,858 |
| Assets per employee ($millions) | 5.8158% | 1,601 |
| Cash dividends to net income (ytd only)* | 59.1781% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 70.1188% | 2,509 |
| Net loans and leases to deposits | 83.3716% | 2,558 |
| Net loans and leases to core deposits | 90.0124% | 2,527 |
| Total domestic deposits to total assets | 84.1039% | 3,154 |
| Equity capital to assets | 9.7380% | 4,191 |
| Core capital (leverage) ratio | 9.6947% | 3,902 |
| Tier 1 risk-based capital ratio | 12.8844% | 4,073 |
| Total risk-based capital ratio | 14.0904% | 4,006 |
| Memoranda: | ||
| Average total assets | $163,715,330 | 3,354 |
| Average earning assets | $154,296,000 | 3,314 |
| Average equity | $16,226,000 | 3,614 |
| Average total loans | $118,215,670 | 3,119 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 2,955 |
| Cost of funding earning assets | 0.5821% | 1,503 |
| Net interest margin | 3.4394% | 3,487 |
| Noninterest income to average assets | 0.1092% | 5,561 |
| Noninterest expense to average assets | 2.3517% | 4,256 |
| Loan and lease loss provision to assets | 0.1488% | 1,251 |
| Net operating income to assets | 0.8261% | 3,097 |
| Return on assets (ROA) | 0.8261% | 3,151 |
| Pretax return on assets | 0.8335% | 3,997 |
| Return on Equity (ROE) | 8.2594% | 2,783 |
| Retained earnings to average equity (ytd only) | 2.9020% | 3,966 |
| Net charge-offs to loans | 0.0511% | 1,839 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 1,305 |
| Efficiency ratio | 70.5357% | 2,810 |
| Assets per employee ($millions) | 5.7475% | 1,695 |
| Cash dividends to net income (ytd only)* | 64.8649% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 3,032 |
| Loan loss allowance to noncurrent loans | 729.0816% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 4,773 |
| Noncurrent loans to loans | 0.1669% | 4,517 |
| Net loans and leases to total assets | 72.0684% | 2,065 |
| Net loans and leases to deposits | 83.1886% | 2,373 |
| Net loans and leases to core deposits | 89.9222% | 2,354 |
| Total domestic deposits to total assets | 86.6326% | 2,380 |
| Equity capital to assets | 10.0641% | 3,676 |
| Core capital (leverage) ratio | 9.7463% | 3,821 |
| Tier 1 risk-based capital ratio | 12.8732% | 4,156 |
| Total risk-based capital ratio | 14.0421% | 4,099 |
| Memoranda: | ||
| Average total assets | $161,244,000 | 3,409 |
| Average earning assets | $151,187,000 | 3,386 |
| Average equity | $16,127,000 | 3,646 |
| Average total loans | $117,448,000 | 3,152 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 2,808 |
| Cost of funding earning assets | 0.5685% | 1,551 |
| Net interest margin | 3.5431% | 3,277 |
| Noninterest income to average assets | 0.1276% | 5,549 |
| Noninterest expense to average assets | 2.2792% | 4,601 |
| Loan and lease loss provision to assets | 0.1539% | 1,629 |
| Net operating income to assets | 1.0181% | 2,274 |
| Return on assets (ROA) | 1.0181% | 2,374 |
| Pretax return on assets | 1.0233% | 3,392 |
| Return on Equity (ROE) | 9.9696% | 1,969 |
| Retained earnings to average equity (ytd only) | 3.4718% | 3,453 |
| Net charge-offs to loans | -0.0177% | 5,093 |
| Credit loss provision to net charge-offs | -1,142.8571% | 5,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9432% | 3,594 |
| Assets per employee ($millions) | 5.7700% | 1,646 |
| Cash dividends to net income (ytd only)* | 65.1763% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 3,254 |
| Loan loss allowance to noncurrent loans | 646.7290% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,788 |
| Noncurrent loans to loans | 0.1821% | 4,507 |
| Net loans and leases to total assets | 71.8648% | 2,188 |
| Net loans and leases to deposits | 83.5960% | 2,465 |
| Net loans and leases to core deposits | 90.7133% | 2,437 |
| Total domestic deposits to total assets | 85.9667% | 2,600 |
| Equity capital to assets | 9.9394% | 3,779 |
| Core capital (leverage) ratio | 9.8800% | 3,653 |
| Tier 1 risk-based capital ratio | 12.6966% | 4,274 |
| Total risk-based capital ratio | 13.8216% | 4,233 |
| Memoranda: | ||
| Average total assets | $155,973,200 | 3,437 |
| Average earning assets | $146,537,600 | 3,409 |
| Average equity | $15,928,400 | 3,698 |
| Average total loans | $118,944,000 | 3,080 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 2,787 |
| Cost of funding earning assets | 0.5641% | 1,583 |
| Net interest margin | 3.5598% | 3,234 |
| Noninterest income to average assets | 0.1251% | 5,622 |
| Noninterest expense to average assets | 2.3013% | 4,528 |
| Loan and lease loss provision to assets | 0.1553% | 1,500 |
| Net operating income to assets | 1.0169% | 2,353 |
| Return on assets (ROA) | 1.0169% | 2,488 |
| Pretax return on assets | 1.0213% | 3,547 |
| Return on Equity (ROE) | 9.8890% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.5862% | 2,439 |
| Net charge-offs to loans | -0.0246% | 5,079 |
| Credit loss provision to net charge-offs | -818.1818% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1706% | 3,563 |
| Assets per employee ($millions) | 5.4635% | 1,886 |
| Cash dividends to net income (ytd only)* | 43.5113% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,622 |
| Loan loss allowance to noncurrent loans | 7,355.5556% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 5,477 |
| Noncurrent loans to loans | 0.0155% | 5,336 |
| Net loans and leases to total assets | 75.1097% | 1,681 |
| Net loans and leases to deposits | 87.4731% | 2,085 |
| Net loans and leases to core deposits | 94.2693% | 2,171 |
| Total domestic deposits to total assets | 85.8660% | 2,425 |
| Equity capital to assets | 10.6237% | 3,434 |
| Core capital (leverage) ratio | 10.4529% | 3,045 |
| Tier 1 risk-based capital ratio | 12.9262% | 4,208 |
| Total risk-based capital ratio | 14.0141% | 4,212 |
| Memoranda: | ||
| Average total assets | $154,576,750 | 3,470 |
| Average earning assets | $145,585,500 | 3,446 |
| Average equity | $15,896,000 | 3,736 |
| Average total loans | $119,308,000 | 3,088 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,861 |
| Cost of funding earning assets | 0.5545% | 1,663 |
| Net interest margin | 3.5446% | 3,313 |
| Noninterest income to average assets | 0.1212% | 5,703 |
| Noninterest expense to average assets | 2.2732% | 4,676 |
| Loan and lease loss provision to assets | 0.1547% | 1,479 |
| Net operating income to assets | 1.0264% | 2,267 |
| Return on assets (ROA) | 1.0264% | 2,406 |
| Pretax return on assets | 1.0315% | 3,476 |
| Return on Equity (ROE) | 10.0904% | 2,006 |
| Retained earnings to average equity (ytd only) | 5.7551% | 2,261 |
| Net charge-offs to loans | -0.0349% | 5,202 |
| Credit loss provision to net charge-offs | -571.4286% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7100% | 3,725 |
| Assets per employee ($millions) | 5.2750% | 2,006 |
| Cash dividends to net income (ytd only)* | 42.9648% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 4,231 |
| Loan loss allowance to noncurrent loans | 6,019.0476% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 5,559 |
| Noncurrent loans to loans | 0.0174% | 5,407 |
| Net loans and leases to total assets | 77.8492% | 1,223 |
| Net loans and leases to deposits | 94.0790% | 1,286 |
| Net loans and leases to core deposits | 102.1338% | 1,458 |
| Total domestic deposits to total assets | 82.7487% | 3,743 |
| Equity capital to assets | 10.4907% | 3,637 |
| Core capital (leverage) ratio | 10.2884% | 3,214 |
| Tier 1 risk-based capital ratio | 12.3489% | 4,617 |
| Total risk-based capital ratio | 13.3547% | 4,682 |
| Memoranda: | ||
| Average total assets | $155,109,330 | 3,481 |
| Average earning assets | $146,082,330 | 3,456 |
| Average equity | $15,777,330 | 3,767 |
| Average total loans | $120,335,330 | 3,073 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 2,946 |
| Cost of funding earning assets | 0.5736% | 1,520 |
| Net interest margin | 3.5017% | 3,474 |
| Noninterest income to average assets | 0.1229% | 5,727 |
| Noninterest expense to average assets | 2.2897% | 4,688 |
| Loan and lease loss provision to assets | 0.1537% | 1,371 |
| Net operating income to assets | 0.9553% | 2,489 |
| Return on assets (ROA) | 0.9553% | 2,605 |
| Pretax return on assets | 0.9630% | 3,609 |
| Return on Equity (ROE) | 9.5384% | 2,183 |
| Retained earnings to average equity (ytd only) | 5.1656% | 2,841 |
| Net charge-offs to loans | -0.0698% | 5,494 |
| Credit loss provision to net charge-offs | -285.7143% | 4,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2180% | 3,593 |
| Assets per employee ($millions) | 5.4596% | 1,864 |
| Cash dividends to net income (ytd only)* | 45.8445% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 4,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.9234% | 1,113 |
| Net loans and leases to deposits | 91.0592% | 1,454 |
| Net loans and leases to core deposits | 98.5921% | 1,594 |
| Total domestic deposits to total assets | 85.5745% | 2,875 |
| Equity capital to assets | 10.3115% | 3,729 |
| Core capital (leverage) ratio | 9.8751% | 3,694 |
| Tier 1 risk-based capital ratio | 12.1688% | 4,799 |
| Total risk-based capital ratio | 13.1275% | 4,897 |
| Memoranda: | ||
| Average total assets | $156,177,000 | 3,490 |
| Average earning assets | $146,445,000 | 3,469 |
| Average equity | $15,642,000 | 3,786 |
| Average total loans | $120,326,500 | 3,081 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 2,826 |
| Cost of funding earning assets | 0.5794% | 1,496 |
| Net interest margin | 3.5472% | 3,337 |
| Noninterest income to average assets | 0.1730% | 5,550 |
| Noninterest expense to average assets | 2.1273% | 5,196 |
| Loan and lease loss provision to assets | 0.1162% | 2,056 |
| Net operating income to assets | 1.2183% | 1,488 |
| Return on assets (ROA) | 1.2183% | 1,556 |
| Pretax return on assets | 1.2376% | 2,512 |
| Return on Equity (ROE) | 12.6126% | 1,151 |
| Retained earnings to average equity (ytd only) | 7.3791% | 1,135 |
| Net charge-offs to loans | 0.0172% | 3,941 |
| Credit loss provision to net charge-offs | 900.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 104.8500% | 556 |
| Efficiency ratio | 61.1091% | 4,747 |
| Assets per employee ($millions) | 5.9069% | 1,450 |
| Cash dividends to net income (ytd only)* | 41.4944% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 4,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 5,563 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 74.7445% | 1,609 |
| Net loans and leases to deposits | 91.8985% | 1,416 |
| Net loans and leases to core deposits | 99.3383% | 1,568 |
| Total domestic deposits to total assets | 81.3338% | 4,391 |
| Equity capital to assets | 9.7319% | 4,259 |
| Core capital (leverage) ratio | 9.5624% | 4,090 |
| Tier 1 risk-based capital ratio | 11.8586% | 5,039 |
| Total risk-based capital ratio | 12.7425% | 5,164 |
| Memoranda: | ||
| Average total assets | $154,894,000 | 3,495 |
| Average earning assets | $144,450,400 | 3,483 |
| Average equity | $14,961,200 | 3,841 |
| Average total loans | $116,206,000 | 3,106 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 2,757 |
| Cost of funding earning assets | 0.5803% | 1,542 |
| Net interest margin | 3.5682% | 3,277 |
| Noninterest income to average assets | 0.1223% | 5,864 |
| Noninterest expense to average assets | 2.1021% | 5,268 |
| Loan and lease loss provision to assets | 0.1171% | 1,938 |
| Net operating income to assets | 1.2063% | 1,630 |
| Return on assets (ROA) | 1.2063% | 1,700 |
| Pretax return on assets | 1.2306% | 2,694 |
| Return on Equity (ROE) | 12.5132% | 1,237 |
| Retained earnings to average equity (ytd only) | 7.4576% | 1,473 |
| Net charge-offs to loans | 0.0012% | 4,147 |
| Credit loss provision to net charge-offs | 13,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 1,557.8571% | 45 |
| Efficiency ratio | 60.9351% | 4,745 |
| Assets per employee ($millions) | 6.2199% | 1,222 |
| Cash dividends to net income (ytd only)* | 40.4023% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 5,052 |
| Loan loss allowance to noncurrent loans | 109,700.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,590 |
| Noncurrent loans to loans | 0.0009% | 5,678 |
| Net loans and leases to total assets | 74.8143% | 1,581 |
| Net loans and leases to deposits | 92.3975% | 1,366 |
| Net loans and leases to core deposits | 100.0086% | 1,517 |
| Total domestic deposits to total assets | 80.9701% | 4,482 |
| Equity capital to assets | 9.8253% | 4,366 |
| Core capital (leverage) ratio | 9.5747% | 4,204 |
| Tier 1 risk-based capital ratio | 11.9363% | 5,116 |
| Total risk-based capital ratio | 12.8215% | 5,260 |
| Memoranda: | ||
| Average total assets | $153,746,000 | 3,544 |
| Average earning assets | $143,372,000 | 3,528 |
| Average equity | $14,821,250 | 3,901 |
| Average total loans | $115,175,000 | 3,142 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 2,895 |
| Cost of funding earning assets | 0.5772% | 1,594 |
| Net interest margin | 3.5229% | 3,402 |
| Noninterest income to average assets | 0.1345% | 5,885 |
| Noninterest expense to average assets | 2.0854% | 5,373 |
| Loan and lease loss provision to assets | 0.1175% | 1,888 |
| Net operating income to assets | 1.1974% | 1,610 |
| Return on assets (ROA) | 1.1974% | 1,688 |
| Pretax return on assets | 1.2314% | 2,645 |
| Return on Equity (ROE) | 12.5026% | 1,223 |
| Retained earnings to average equity (ytd only) | 7.3897% | 1,527 |
| Net charge-offs to loans | 0.0035% | 3,781 |
| Credit loss provision to net charge-offs | 4,500.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 516.5000% | 127 |
| Efficiency ratio | 60.7224% | 4,873 |
| Assets per employee ($millions) | 6.1190% | 1,267 |
| Cash dividends to net income (ytd only)* | 40.8942% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 5,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 5,677 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 75.0201% | 1,499 |
| Net loans and leases to deposits | 92.7565% | 1,277 |
| Net loans and leases to core deposits | 100.5405% | 1,445 |
| Total domestic deposits to total assets | 80.8786% | 4,642 |
| Equity capital to assets | 9.7859% | 4,291 |
| Core capital (leverage) ratio | 9.5532% | 4,207 |
| Tier 1 risk-based capital ratio | 11.9116% | 5,210 |
| Total risk-based capital ratio | 12.7747% | 5,369 |
| Memoranda: | ||
| Average total assets | $153,162,330 | 3,577 |
| Average earning assets | $143,460,000 | 3,548 |
| Average equity | $14,669,000 | 3,938 |
| Average total loans | $114,423,000 | 3,175 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,053 |
| Cost of funding earning assets | 0.5677% | 1,679 |
| Net interest margin | 3.4813% | 3,507 |
| Noninterest income to average assets | 0.1775% | 5,650 |
| Noninterest expense to average assets | 2.0984% | 5,386 |
| Loan and lease loss provision to assets | 0.1175% | 1,758 |
| Net operating income to assets | 1.1641% | 1,654 |
| Return on assets (ROA) | 1.1641% | 1,759 |
| Pretax return on assets | 1.2267% | 2,566 |
| Return on Equity (ROE) | 12.2878% | 1,271 |
| Retained earnings to average equity (ytd only) | 7.1357% | 1,951 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9553% | 4,972 |
| Assets per employee ($millions) | 6.1102% | 1,322 |
| Cash dividends to net income (ytd only)* | 41.9283% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 5,472 |
| Loan loss allowance to noncurrent loans | 33,600.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 5,747 |
| Noncurrent loans to loans | 0.0026% | 5,812 |
| Net loans and leases to total assets | 73.6899% | 1,550 |
| Net loans and leases to deposits | 86.7419% | 1,749 |
| Net loans and leases to core deposits | 93.4095% | 1,821 |
| Total domestic deposits to total assets | 84.9530% | 3,435 |
| Equity capital to assets | 9.6121% | 4,619 |
| Core capital (leverage) ratio | 9.3514% | 4,493 |
| Tier 1 risk-based capital ratio | 11.9260% | 5,285 |
| Total risk-based capital ratio | 12.7714% | 5,464 |
| Memoranda: | ||
| Average total assets | $153,256,000 | 3,602 |
| Average earning assets | $143,740,000 | 3,567 |
| Average equity | $14,518,500 | 3,992 |
| Average total loans | $113,728,000 | 3,202 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 3,467 |
| Cost of funding earning assets | 0.6091% | 1,690 |
| Net interest margin | 3.4543% | 3,963 |
| Noninterest income to average assets | 0.0643% | 6,261 |
| Noninterest expense to average assets | 2.0713% | 5,635 |
| Loan and lease loss provision to assets | 0.1181% | 2,204 |
| Net operating income to assets | 1.0706% | 2,084 |
| Return on assets (ROA) | 1.0888% | 2,070 |
| Pretax return on assets | 1.0980% | 3,092 |
| Return on Equity (ROE) | 11.8664% | 1,448 |
| Retained earnings to average equity (ytd only) | 5.9654% | 1,951 |
| Net charge-offs to loans | 0.0436% | 3,955 |
| Credit loss provision to net charge-offs | 382.9787% | 682 |
| Earnings coverage of net charge-offs (x) | 38.8298% | 1,113 |
| Efficiency ratio | 63.3608% | 4,692 |
| Assets per employee ($millions) | 6.4065% | 1,111 |
| Cash dividends to net income (ytd only)* | 49.7288% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 5,645 |
| Loan loss allowance to noncurrent loans | 601.8750% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 5,431 |
| Noncurrent loans to loans | 0.1405% | 5,335 |
| Net loans and leases to total assets | 73.4406% | 1,677 |
| Net loans and leases to deposits | 87.4231% | 1,801 |
| Net loans and leases to core deposits | 94.2516% | 1,897 |
| Total domestic deposits to total assets | 84.0059% | 3,714 |
| Equity capital to assets | 9.3355% | 4,925 |
| Core capital (leverage) ratio | 9.2312% | 4,632 |
| Tier 1 risk-based capital ratio | 11.1503% | 5,843 |
| Total risk-based capital ratio | 11.9193% | 5,977 |
| Memoranda: | ||
| Average total assets | $152,370,600 | 3,593 |
| Average earning assets | $141,362,000 | 3,581 |
| Average equity | $13,980,600 | 4,028 |
| Average total loans | $107,852,200 | 3,271 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 3,501 |
| Cost of funding earning assets | 0.6168% | 1,709 |
| Net interest margin | 3.4495% | 4,023 |
| Noninterest income to average assets | 0.1166% | 6,180 |
| Noninterest expense to average assets | 2.0812% | 5,617 |
| Loan and lease loss provision to assets | 0.1228% | 2,031 |
| Net operating income to assets | 1.0983% | 2,044 |
| Return on assets (ROA) | 1.1208% | 2,021 |
| Pretax return on assets | 1.1287% | 3,075 |
| Return on Equity (ROE) | 12.2700% | 1,412 |
| Retained earnings to average equity (ytd only) | 6.8646% | 1,897 |
| Net charge-offs to loans | 0.0201% | 4,126 |
| Credit loss provision to net charge-offs | 875.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 87.5738% | 648 |
| Efficiency ratio | 62.8776% | 4,753 |
| Assets per employee ($millions) | 5.5258% | 1,704 |
| Cash dividends to net income (ytd only)* | 44.0533% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 5,605 |
| Loan loss allowance to noncurrent loans | 23,850.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 5,873 |
| Noncurrent loans to loans | 0.0038% | 6,031 |
| Net loans and leases to total assets | 70.5897% | 2,096 |
| Net loans and leases to deposits | 83.1376% | 2,270 |
| Net loans and leases to core deposits | 89.1633% | 2,304 |
| Total domestic deposits to total assets | 84.9071% | 3,374 |
| Equity capital to assets | 9.5257% | 4,770 |
| Core capital (leverage) ratio | 9.2373% | 4,727 |
| Tier 1 risk-based capital ratio | 11.7634% | 5,632 |
| Total risk-based capital ratio | 12.5740% | 5,802 |
| Memoranda: | ||
| Average total assets | $152,024,000 | 3,623 |
| Average earning assets | $140,730,250 | 3,620 |
| Average equity | $13,887,250 | 4,060 |
| Average total loans | $106,344,500 | 3,319 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 3,582 |
| Cost of funding earning assets | 0.6097% | 1,815 |
| Net interest margin | 3.4319% | 4,054 |
| Noninterest income to average assets | 0.1138% | 6,226 |
| Noninterest expense to average assets | 2.0292% | 5,777 |
| Loan and lease loss provision to assets | 0.1177% | 2,079 |
| Net operating income to assets | 1.1271% | 1,833 |
| Return on assets (ROA) | 1.1336% | 1,897 |
| Pretax return on assets | 1.1453% | 2,902 |
| Return on Equity (ROE) | 12.5844% | 1,286 |
| Retained earnings to average equity (ytd only) | 7.3300% | 1,597 |
| Net charge-offs to loans | -0.0038% | 5,135 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7589% | 5,043 |
| Assets per employee ($millions) | 5.4123% | 1,777 |
| Cash dividends to net income (ytd only)* | 41.7532% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 5,844 |
| Loan loss allowance to noncurrent loans | 4,013.0435% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 5,920 |
| Noncurrent loans to loans | 0.0215% | 6,004 |
| Net loans and leases to total assets | 70.1363% | 2,061 |
| Net loans and leases to deposits | 83.5545% | 2,078 |
| Net loans and leases to core deposits | 90.0380% | 2,122 |
| Total domestic deposits to total assets | 83.9407% | 3,935 |
| Equity capital to assets | 9.2778% | 5,002 |
| Core capital (leverage) ratio | 9.0541% | 4,935 |
| Tier 1 risk-based capital ratio | 11.5477% | 5,773 |
| Total risk-based capital ratio | 12.3294% | 5,955 |
| Memoranda: | ||
| Average total assets | $152,966,670 | 3,638 |
| Average earning assets | $141,380,330 | 3,627 |
| Average equity | $13,779,000 | 4,085 |
| Average total loans | $106,369,000 | 3,324 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,901 |
| Cost of funding earning assets | 0.6162% | 1,847 |
| Net interest margin | 3.3324% | 4,410 |
| Noninterest income to average assets | 0.0260% | 6,552 |
| Noninterest expense to average assets | 1.9339% | 6,001 |
| Loan and lease loss provision to assets | 0.1171% | 2,014 |
| Net operating income to assets | 1.0309% | 2,080 |
| Return on assets (ROA) | 1.0437% | 2,106 |
| Pretax return on assets | 1.0568% | 3,099 |
| Return on Equity (ROE) | 11.7608% | 1,474 |
| Retained earnings to average equity (ytd only) | 7.0389% | 2,030 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4895% | 5,061 |
| Assets per employee ($millions) | 6.1116% | 1,236 |
| Cash dividends to net income (ytd only)* | 40.1496% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 6,071 |
| Loan loss allowance to noncurrent loans | 17,520.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 6,055 |
| Noncurrent loans to loans | 0.0046% | 6,177 |
| Net loans and leases to total assets | 69.8822% | 1,908 |
| Net loans and leases to deposits | 81.6620% | 2,080 |
| Net loans and leases to core deposits | 87.6806% | 2,132 |
| Total domestic deposits to total assets | 85.5750% | 3,572 |
| Equity capital to assets | 9.0026% | 5,113 |
| Core capital (leverage) ratio | 8.8977% | 5,147 |
| Tier 1 risk-based capital ratio | 11.1728% | 6,086 |
| Total risk-based capital ratio | 11.9049% | 6,251 |
| Memoranda: | ||
| Average total assets | $153,677,500 | 3,654 |
| Average earning assets | $141,521,000 | 3,647 |
| Average equity | $13,638,500 | 4,123 |
| Average total loans | $105,948,000 | 3,346 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 3,940 |
| Cost of funding earning assets | 0.6405% | 2,293 |
| Net interest margin | 3.4033% | 4,260 |
| Noninterest income to average assets | 0.0948% | 6,408 |
| Noninterest expense to average assets | 1.8927% | 6,199 |
| Loan and lease loss provision to assets | 0.1432% | 2,512 |
| Net operating income to assets | 1.1972% | 1,577 |
| Return on assets (ROA) | 1.1972% | 1,648 |
| Pretax return on assets | 1.2000% | 2,584 |
| Return on Equity (ROE) | 13.3390% | 1,102 |
| Retained earnings to average equity (ytd only) | 8.5534% | 892 |
| Net charge-offs to loans | 0.1119% | 3,709 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 18.7619% | 1,639 |
| Efficiency ratio | 58.4914% | 5,674 |
| Assets per employee ($millions) | 6.4402% | 1,014 |
| Cash dividends to net income (ytd only)* | 35.8770% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 6,187 |
| Loan loss allowance to noncurrent loans | 3,196.1538% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 6,095 |
| Noncurrent loans to loans | 0.0249% | 6,183 |
| Net loans and leases to total assets | 66.9078% | 2,538 |
| Net loans and leases to deposits | 82.5426% | 2,124 |
| Net loans and leases to core deposits | 88.9501% | 2,138 |
| Total domestic deposits to total assets | 81.0585% | 5,157 |
| Equity capital to assets | 8.7484% | 5,310 |
| Core capital (leverage) ratio | 8.7971% | 5,283 |
| Tier 1 risk-based capital ratio | 11.5944% | 5,859 |
| Total risk-based capital ratio | 12.3282% | 6,074 |
| Memoranda: | ||
| Average total assets | $146,670,200 | 3,754 |
| Average earning assets | $135,367,400 | 3,730 |
| Average equity | $13,164,400 | 4,229 |
| Average total loans | $93,846,800 | 3,604 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,927 |
| Cost of funding earning assets | 0.6446% | 2,409 |
| Net interest margin | 3.4081% | 4,253 |
| Noninterest income to average assets | 0.0792% | 6,542 |
| Noninterest expense to average assets | 1.9175% | 6,155 |
| Loan and lease loss provision to assets | 0.0673% | 3,708 |
| Net operating income to assets | 1.2329% | 1,524 |
| Return on assets (ROA) | 1.2329% | 1,601 |
| Pretax return on assets | 1.2366% | 2,557 |
| Return on Equity (ROE) | 13.6441% | 1,087 |
| Retained earnings to average equity (ytd only) | 9.1878% | 1,006 |
| Net charge-offs to loans | -0.0058% | 5,802 |
| Credit loss provision to net charge-offs | -1,825.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5252% | 5,493 |
| Assets per employee ($millions) | 6.0200% | 1,231 |
| Cash dividends to net income (ytd only)* | 32.6605% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 6,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 63.3513% | 3,102 |
| Net loans and leases to deposits | 74.5176% | 3,153 |
| Net loans and leases to core deposits | 80.4433% | 3,075 |
| Total domestic deposits to total assets | 85.0152% | 3,742 |
| Equity capital to assets | 9.2248% | 4,905 |
| Core capital (leverage) ratio | 8.9561% | 5,186 |
| Tier 1 risk-based capital ratio | 12.6422% | 5,367 |
| Total risk-based capital ratio | 13.4269% | 5,603 |
| Memoranda: | ||
| Average total assets | $144,696,500 | 3,829 |
| Average earning assets | $133,403,250 | 3,807 |
| Average equity | $13,075,000 | 4,299 |
| Average total loans | $91,246,750 | 3,688 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 3,815 |
| Cost of funding earning assets | 0.6392% | 2,595 |
| Net interest margin | 3.4422% | 4,034 |
| Noninterest income to average assets | 0.0843% | 6,572 |
| Noninterest expense to average assets | 1.8830% | 6,255 |
| Loan and lease loss provision to assets | 0.0677% | 3,689 |
| Net operating income to assets | 1.2972% | 1,327 |
| Return on assets (ROA) | 1.2972% | 1,416 |
| Pretax return on assets | 1.3028% | 2,292 |
| Return on Equity (ROE) | 14.4565% | 919 |
| Retained earnings to average equity (ytd only) | 10.9925% | 644 |
| Net charge-offs to loans | -0.0088% | 5,746 |
| Credit loss provision to net charge-offs | -1,225.0000% | 6,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8769% | 5,750 |
| Assets per employee ($millions) | 5.7719% | 1,363 |
| Cash dividends to net income (ytd only)* | 23.9617% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 6,266 |
| Loan loss allowance to noncurrent loans | 295.8175% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 5,951 |
| Noncurrent loans to loans | 0.2854% | 5,588 |
| Net loans and leases to total assets | 63.3222% | 3,041 |
| Net loans and leases to deposits | 76.0255% | 2,872 |
| Net loans and leases to core deposits | 80.5402% | 2,975 |
| Total domestic deposits to total assets | 83.2907% | 4,591 |
| Equity capital to assets | 9.0570% | 5,162 |
| Core capital (leverage) ratio | 8.8345% | 5,242 |
| Tier 1 risk-based capital ratio | 12.4236% | 5,553 |
| Total risk-based capital ratio | 13.1835% | 5,780 |
| Memoranda: | ||
| Average total assets | $144,768,670 | 3,860 |
| Average earning assets | $133,287,670 | 3,835 |
| Average equity | $12,990,670 | 4,345 |
| Average total loans | $90,885,330 | 3,705 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 3,932 |
| Cost of funding earning assets | 0.6393% | 2,748 |
| Net interest margin | 3.4065% | 4,094 |
| Noninterest income to average assets | 0.1021% | 6,568 |
| Noninterest expense to average assets | 1.7517% | 6,497 |
| Loan and lease loss provision to assets | 0.0662% | 3,531 |
| Net operating income to assets | 1.4041% | 1,015 |
| Return on assets (ROA) | 1.4041% | 1,104 |
| Pretax return on assets | 1.4151% | 1,811 |
| Return on Equity (ROE) | 15.7202% | 649 |
| Retained earnings to average equity (ytd only) | 11.0875% | 852 |
| Net charge-offs to loans | -0.0177% | 5,665 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1809% | 6,213 |
| Assets per employee ($millions) | 5.9830% | 1,264 |
| Cash dividends to net income (ytd only)* | 29.4695% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 6,368 |
| Loan loss allowance to noncurrent loans | 3,585.7143% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 6,576 |
| Noncurrent loans to loans | 0.0237% | 6,424 |
| Net loans and leases to total assets | 58.7594% | 3,656 |
| Net loans and leases to deposits | 68.5441% | 3,704 |
| Net loans and leases to core deposits | 73.1624% | 3,687 |
| Total domestic deposits to total assets | 85.7250% | 3,669 |
| Equity capital to assets | 8.7534% | 5,756 |
| Core capital (leverage) ratio | 8.4968% | 5,596 |
| Tier 1 risk-based capital ratio | 12.2889% | 5,727 |
| Total risk-based capital ratio | 13.0374% | 6,015 |
| Memoranda: | ||
| Average total assets | $145,004,500 | 3,896 |
| Average earning assets | $133,274,500 | 3,876 |
| Average equity | $12,951,500 | 4,390 |
| Average total loans | $90,253,000 | 3,742 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 4,376 |
| Cost of funding earning assets | 0.8122% | 2,568 |
| Net interest margin | 3.4456% | 4,717 |
| Noninterest income to average assets | 0.1127% | 6,460 |
| Noninterest expense to average assets | 1.9767% | 6,373 |
| Loan and lease loss provision to assets | 0.0693% | 4,879 |
| Net operating income to assets | 1.2155% | 1,551 |
| Return on assets (ROA) | 1.2523% | 1,599 |
| Pretax return on assets | 1.2531% | 2,594 |
| Return on Equity (ROE) | 14.1899% | 958 |
| Retained earnings to average equity (ytd only) | 10.7283% | 473 |
| Net charge-offs to loans | 0.0434% | 5,307 |
| Credit loss provision to net charge-offs | 259.4595% | 926 |
| Earnings coverage of net charge-offs (x) | 48.1081% | 694 |
| Efficiency ratio | 60.5933% | 5,451 |
| Assets per employee ($millions) | 5.8514% | 1,395 |
| Cash dividends to net income (ytd only)* | 24.3945% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 6,507 |
| Loan loss allowance to noncurrent loans | 2,589.2857% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 6,623 |
| Noncurrent loans to loans | 0.0305% | 6,435 |
| Net loans and leases to total assets | 64.8979% | 2,742 |
| Net loans and leases to deposits | 76.3389% | 2,744 |
| Net loans and leases to core deposits | 82.1374% | 2,754 |
| Total domestic deposits to total assets | 85.0128% | 3,860 |
| Equity capital to assets | 9.1218% | 5,374 |
| Core capital (leverage) ratio | 8.5564% | 5,527 |
| Tier 1 risk-based capital ratio | 11.9197% | 5,829 |
| Total risk-based capital ratio | 12.6396% | 6,138 |
| Memoranda: | ||
| Average total assets | $138,461,400 | 3,976 |
| Average earning assets | $126,566,800 | 3,972 |
| Average equity | $12,220,000 | 4,520 |
| Average total loans | $85,224,600 | 3,871 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 4,507 |
| Cost of funding earning assets | 0.8460% | 2,576 |
| Net interest margin | 3.4392% | 4,882 |
| Noninterest income to average assets | 0.0773% | 6,701 |
| Noninterest expense to average assets | 1.9183% | 6,492 |
| Loan and lease loss provision to assets | 0.0686% | 4,818 |
| Net operating income to assets | 1.2244% | 1,655 |
| Return on assets (ROA) | 1.2747% | 1,657 |
| Pretax return on assets | 1.2756% | 2,685 |
| Return on Equity (ROE) | 14.5672% | 987 |
| Retained earnings to average equity (ytd only) | 11.5632% | 597 |
| Net charge-offs to loans | 0.0112% | 5,553 |
| Credit loss provision to net charge-offs | 1,014.2857% | 275 |
| Earnings coverage of net charge-offs (x) | 191.3494% | 235 |
| Efficiency ratio | 59.7172% | 5,543 |
| Assets per employee ($millions) | 5.4139% | 1,718 |
| Cash dividends to net income (ytd only)* | 20.6219% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 6,485 |
| Loan loss allowance to noncurrent loans | 1,282.4561% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 6,663 |
| Noncurrent loans to loans | 0.0671% | 6,447 |
| Net loans and leases to total assets | 59.8518% | 3,810 |
| Net loans and leases to deposits | 70.3262% | 3,853 |
| Net loans and leases to core deposits | 75.2611% | 3,815 |
| Total domestic deposits to total assets | 85.1060% | 3,702 |
| Equity capital to assets | 8.9371% | 5,883 |
| Core capital (leverage) ratio | 8.7074% | 5,463 |
| Tier 1 risk-based capital ratio | 12.4761% | 5,662 |
| Total risk-based capital ratio | 13.2529% | 5,921 |
| Memoranda: | ||
| Average total assets | $137,968,500 | 4,026 |
| Average earning assets | $125,763,500 | 4,019 |
| Average equity | $12,072,500 | 4,599 |
| Average total loans | $83,565,000 | 3,972 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 4,478 |
| Cost of funding earning assets | 0.8919% | 2,463 |
| Net interest margin | 3.4314% | 4,966 |
| Noninterest income to average assets | 0.0759% | 6,767 |
| Noninterest expense to average assets | 1.9688% | 6,495 |
| Loan and lease loss provision to assets | 0.0686% | 4,769 |
| Net operating income to assets | 1.1646% | 1,834 |
| Return on assets (ROA) | 1.2405% | 1,765 |
| Pretax return on assets | 1.2420% | 2,759 |
| Return on Equity (ROE) | 14.2817% | 1,053 |
| Retained earnings to average equity (ytd only) | 11.2406% | 702 |
| Net charge-offs to loans | 0.0168% | 5,179 |
| Credit loss provision to net charge-offs | 671.4286% | 473 |
| Earnings coverage of net charge-offs (x) | 120.8571% | 363 |
| Efficiency ratio | 61.4579% | 5,340 |
| Assets per employee ($millions) | 5.6148% | 1,508 |
| Cash dividends to net income (ytd only)* | 21.2941% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 6,552 |
| Loan loss allowance to noncurrent loans | 1,196.6102% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 6,717 |
| Noncurrent loans to loans | 0.0718% | 6,488 |
| Net loans and leases to total assets | 60.4274% | 3,748 |
| Net loans and leases to deposits | 71.2989% | 3,725 |
| Net loans and leases to core deposits | 76.3423% | 3,731 |
| Total domestic deposits to total assets | 84.7523% | 3,970 |
| Equity capital to assets | 9.0483% | 5,652 |
| Core capital (leverage) ratio | 8.4263% | 5,752 |
| Tier 1 risk-based capital ratio | 12.6327% | 5,468 |
| Total risk-based capital ratio | 13.4178% | 5,793 |
| Memoranda: | ||
| Average total assets | $137,037,670 | 4,054 |
| Average earning assets | $124,906,330 | 4,053 |
| Average equity | $11,903,330 | 4,627 |
| Average total loans | $83,093,670 | 4,009 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 4,635 |
| Cost of funding earning assets | 0.9230% | 2,490 |
| Net interest margin | 3.4025% | 5,112 |
| Noninterest income to average assets | 0.0463% | 6,944 |
| Noninterest expense to average assets | 1.7832% | 6,812 |
| Loan and lease loss provision to assets | 0.0666% | 4,579 |
| Net operating income to assets | 1.2882% | 1,481 |
| Return on assets (ROA) | 1.4387% | 1,281 |
| Pretax return on assets | 1.4416% | 2,048 |
| Return on Equity (ROE) | 16.9069% | 688 |
| Retained earnings to average equity (ytd only) | 13.8113% | 587 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7742% | 6,050 |
| Assets per employee ($millions) | 5.6552% | 1,561 |
| Cash dividends to net income (ytd only)* | 18.3099% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 6,696 |
| Loan loss allowance to noncurrent loans | 1,093.6508% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 6,786 |
| Noncurrent loans to loans | 0.0755% | 6,562 |
| Net loans and leases to total assets | 60.9944% | 3,453 |
| Net loans and leases to deposits | 71.7061% | 3,471 |
| Net loans and leases to core deposits | 77.3892% | 3,414 |
| Total domestic deposits to total assets | 85.0616% | 4,007 |
| Equity capital to assets | 8.7928% | 5,756 |
| Core capital (leverage) ratio | 8.2485% | 5,956 |
| Tier 1 risk-based capital ratio | 12.2907% | 5,763 |
| Total risk-based capital ratio | 13.0537% | 6,064 |
| Memoranda: | ||
| Average total assets | $138,179,000 | 4,068 |
| Average earning assets | $125,674,000 | 4,071 |
| Average equity | $11,758,500 | 4,663 |
| Average total loans | $83,573,000 | 4,023 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3777% | 5,509 |
| Cost of funding earning assets | 1.1242% | 2,507 |
| Net interest margin | 3.2535% | 5,944 |
| Noninterest income to average assets | 0.1156% | 6,569 |
| Noninterest expense to average assets | 2.0057% | 6,663 |
| Loan and lease loss provision to assets | 0.0465% | 5,992 |
| Net operating income to assets | 1.0463% | 2,018 |
| Return on assets (ROA) | 1.0463% | 2,164 |
| Pretax return on assets | 1.0556% | 3,018 |
| Return on Equity (ROE) | 12.3533% | 1,313 |
| Retained earnings to average equity (ytd only) | 9.0749% | 783 |
| Net charge-offs to loans | 0.0884% | 5,449 |
| Credit loss provision to net charge-offs | 90.9091% | 3,970 |
| Earnings coverage of net charge-offs (x) | 21.5303% | 1,089 |
| Efficiency ratio | 64.5371% | 5,033 |
| Assets per employee ($millions) | 5.8598% | 1,325 |
| Cash dividends to net income (ytd only)* | 26.5382% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 6,752 |
| Loan loss allowance to noncurrent loans | 1,624.3902% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 6,902 |
| Noncurrent loans to loans | 0.0490% | 6,701 |
| Net loans and leases to total assets | 59.0234% | 4,192 |
| Net loans and leases to deposits | 75.6418% | 3,232 |
| Net loans and leases to core deposits | 81.7030% | 3,227 |
| Total domestic deposits to total assets | 78.0302% | 6,184 |
| Equity capital to assets | 8.2363% | 6,397 |
| Core capital (leverage) ratio | 8.3985% | 5,717 |
| Tier 1 risk-based capital ratio | 11.6099% | 6,083 |
| Total risk-based capital ratio | 12.3331% | 6,390 |
| Memoranda: | ||
| Average total assets | $128,930,200 | 4,192 |
| Average earning assets | $118,578,200 | 4,169 |
| Average equity | $10,920,200 | 4,803 |
| Average total loans | $74,640,000 | 4,326 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 5,623 |
| Cost of funding earning assets | 1.1938% | 2,360 |
| Net interest margin | 3.2006% | 6,161 |
| Noninterest income to average assets | 0.0815% | 6,833 |
| Noninterest expense to average assets | 1.9576% | 6,770 |
| Loan and lease loss provision to assets | 0.0635% | 5,659 |
| Net operating income to assets | 0.9946% | 2,346 |
| Return on assets (ROA) | 0.9946% | 2,494 |
| Pretax return on assets | 1.0052% | 3,378 |
| Return on Equity (ROE) | 11.6537% | 1,632 |
| Retained earnings to average equity (ytd only) | 8.2444% | 1,413 |
| Net charge-offs to loans | 0.0718% | 5,242 |
| Credit loss provision to net charge-offs | 153.8462% | 2,017 |
| Earnings coverage of net charge-offs (x) | 25.8967% | 1,034 |
| Efficiency ratio | 64.6853% | 4,955 |
| Assets per employee ($millions) | 5.2206% | 1,903 |
| Cash dividends to net income (ytd only)* | 29.2556% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 6,489 |
| Loan loss allowance to noncurrent loans | 949.3151% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 6,907 |
| Noncurrent loans to loans | 0.0989% | 6,682 |
| Net loans and leases to total assets | 56.0491% | 4,832 |
| Net loans and leases to deposits | 69.1767% | 4,427 |
| Net loans and leases to core deposits | 73.8405% | 4,467 |
| Total domestic deposits to total assets | 81.0230% | 5,424 |
| Equity capital to assets | 8.6809% | 6,105 |
| Core capital (leverage) ratio | 8.1466% | 6,212 |
| Tier 1 risk-based capital ratio | 12.4770% | 5,507 |
| Total risk-based capital ratio | 13.3111% | 5,841 |
| Memoranda: | ||
| Average total assets | $126,004,250 | 4,271 |
| Average earning assets | $115,932,500 | 4,254 |
| Average equity | $10,754,500 | 4,856 |
| Average total loans | $72,381,750 | 4,441 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 5,667 |
| Cost of funding earning assets | 1.2160% | 2,469 |
| Net interest margin | 3.1904% | 6,191 |
| Noninterest income to average assets | 0.0723% | 6,949 |
| Noninterest expense to average assets | 2.0209% | 6,746 |
| Loan and lease loss provision to assets | 0.0964% | 5,121 |
| Net operating income to assets | 0.8723% | 2,758 |
| Return on assets (ROA) | 0.8723% | 2,855 |
| Pretax return on assets | 0.8884% | 3,662 |
| Return on Equity (ROE) | 10.2815% | 2,018 |
| Retained earnings to average equity (ytd only) | 6.6460% | 2,054 |
| Net charge-offs to loans | 0.0556% | 5,093 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 30.6500% | 903 |
| Efficiency ratio | 67.2368% | 4,658 |
| Assets per employee ($millions) | 5.5203% | 1,555 |
| Cash dividends to net income (ytd only)* | 35.3591% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 6,186 |
| Loan loss allowance to noncurrent loans | 608.5470% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 6,865 |
| Noncurrent loans to loans | 0.1709% | 6,553 |
| Net loans and leases to total assets | 53.3709% | 5,375 |
| Net loans and leases to deposits | 63.2440% | 5,369 |
| Net loans and leases to core deposits | 68.2699% | 5,266 |
| Total domestic deposits to total assets | 84.3890% | 4,173 |
| Equity capital to assets | 8.6069% | 6,052 |
| Core capital (leverage) ratio | 8.0181% | 6,280 |
| Tier 1 risk-based capital ratio | 12.9661% | 4,938 |
| Total risk-based capital ratio | 13.8846% | 5,198 |
| Memoranda: | ||
| Average total assets | $124,500,330 | 4,334 |
| Average earning assets | $114,469,000 | 4,319 |
| Average equity | $10,562,670 | 4,909 |
| Average total loans | $71,893,670 | 4,506 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 5,806 |
| Cost of funding earning assets | 1.2038% | 2,785 |
| Net interest margin | 3.1619% | 6,185 |
| Noninterest income to average assets | 0.1752% | 6,475 |
| Noninterest expense to average assets | 1.7848% | 7,160 |
| Loan and lease loss provision to assets | 0.1006% | 4,751 |
| Net operating income to assets | 1.1585% | 1,632 |
| Return on assets (ROA) | 1.1585% | 1,684 |
| Pretax return on assets | 1.1877% | 2,425 |
| Return on Equity (ROE) | 13.7572% | 1,031 |
| Retained earnings to average equity (ytd only) | 9.5568% | 1,227 |
| Net charge-offs to loans | -0.0054% | 6,250 |
| Credit loss provision to net charge-offs | -3,100.0000% | 6,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0781% | 6,262 |
| Assets per employee ($millions) | 5.1823% | 1,923 |
| Cash dividends to net income (ytd only)* | 30.5322% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,417 |
| Loan loss allowance to noncurrent loans | 586.6667% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 6,926 |
| Noncurrent loans to loans | 0.1697% | 6,627 |
| Net loans and leases to total assets | 56.2818% | 4,950 |
| Net loans and leases to deposits | 66.0642% | 4,968 |
| Net loans and leases to core deposits | 71.8954% | 4,804 |
| Total domestic deposits to total assets | 85.1925% | 3,951 |
| Equity capital to assets | 8.4429% | 5,996 |
| Core capital (leverage) ratio | 8.1294% | 6,080 |
| Tier 1 risk-based capital ratio | 12.3552% | 5,391 |
| Total risk-based capital ratio | 13.2294% | 5,699 |
| Memoranda: | ||
| Average total assets | $123,266,500 | 4,387 |
| Average earning assets | $112,971,500 | 4,383 |
| Average equity | $10,380,000 | 4,948 |
| Average total loans | $73,602,500 | 4,484 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 5,156 |
| Cost of funding earning assets | 1.3995% | 3,271 |
| Net interest margin | 3.4704% | 5,359 |
| Noninterest income to average assets | 0.2432% | 6,059 |
| Noninterest expense to average assets | 2.1273% | 6,779 |
| Loan and lease loss provision to assets | 0.1054% | 6,090 |
| Net operating income to assets | 1.1826% | 1,453 |
| Return on assets (ROA) | 1.1826% | 1,530 |
| Pretax return on assets | 1.1826% | 2,282 |
| Return on Equity (ROE) | 13.6331% | 958 |
| Retained earnings to average equity (ytd only) | 10.3133% | 464 |
| Net charge-offs to loans | 0.1225% | 5,662 |
| Credit loss provision to net charge-offs | 134.8315% | 2,892 |
| Earnings coverage of net charge-offs (x) | 16.4831% | 1,206 |
| Efficiency ratio | 62.2879% | 5,681 |
| Assets per employee ($millions) | 5.3112% | 1,741 |
| Cash dividends to net income (ytd only)* | 24.3504% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,776 |
| Loan loss allowance to noncurrent loans | 560.0000% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 6,988 |
| Noncurrent loans to loans | 0.1569% | 6,753 |
| Net loans and leases to total assets | 62.0742% | 4,270 |
| Net loans and leases to deposits | 74.8719% | 4,050 |
| Net loans and leases to core deposits | 82.4415% | 3,830 |
| Total domestic deposits to total assets | 82.9072% | 4,830 |
| Equity capital to assets | 8.3982% | 6,003 |
| Core capital (leverage) ratio | 8.1161% | 5,984 |
| Tier 1 risk-based capital ratio | 11.8173% | 5,640 |
| Total risk-based capital ratio | 12.6360% | 5,997 |
| Memoranda: | ||
| Average total assets | $113,897,800 | 4,616 |
| Average earning assets | $104,108,800 | 4,602 |
| Average equity | $9,880,400 | 5,167 |
| Average total loans | $72,625,600 | 4,584 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9265% | 5,146 |
| Cost of funding earning assets | 1.4352% | 3,365 |
| Net interest margin | 3.4914% | 5,331 |
| Noninterest income to average assets | 0.2110% | 6,404 |
| Noninterest expense to average assets | 2.0459% | 6,967 |
| Loan and lease loss provision to assets | 0.1073% | 5,964 |
| Net operating income to assets | 1.2483% | 1,471 |
| Return on assets (ROA) | 1.2495% | 1,546 |
| Pretax return on assets | 1.2495% | 2,334 |
| Return on Equity (ROE) | 14.2789% | 973 |
| Retained earnings to average equity (ytd only) | 13.1344% | 332 |
| Net charge-offs to loans | -0.0316% | 7,412 |
| Credit loss provision to net charge-offs | -529.4118% | 7,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1472% | 5,927 |
| Assets per employee ($millions) | 5.0665% | 2,095 |
| Cash dividends to net income (ytd only)* | 8.0155% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 6,251 |
| Loan loss allowance to noncurrent loans | 287.6923% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 6,801 |
| Noncurrent loans to loans | 0.3592% | 6,475 |
| Net loans and leases to total assets | 61.4791% | 4,635 |
| Net loans and leases to deposits | 71.8062% | 4,868 |
| Net loans and leases to core deposits | 81.3391% | 4,335 |
| Total domestic deposits to total assets | 85.6182% | 3,283 |
| Equity capital to assets | 8.8433% | 5,792 |
| Core capital (leverage) ratio | 8.3784% | 5,739 |
| Tier 1 risk-based capital ratio | 12.1105% | 5,356 |
| Total risk-based capital ratio | 13.0495% | 5,620 |
| Memoranda: | ||
| Average total assets | $111,833,000 | 4,717 |
| Average earning assets | $102,192,750 | 4,721 |
| Average equity | $9,785,750 | 5,259 |
| Average total loans | $71,657,000 | 4,689 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 5,037 |
| Cost of funding earning assets | 1.4639% | 3,465 |
| Net interest margin | 3.5150% | 5,192 |
| Noninterest income to average assets | 0.2158% | 6,377 |
| Noninterest expense to average assets | 2.1149% | 6,853 |
| Loan and lease loss provision to assets | 0.1088% | 5,823 |
| Net operating income to assets | 1.2062% | 1,541 |
| Return on assets (ROA) | 1.2080% | 1,610 |
| Pretax return on assets | 1.2080% | 2,386 |
| Return on Equity (ROE) | 13.8567% | 1,070 |
| Retained earnings to average equity (ytd only) | 12.6916% | 415 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6605% | 5,746 |
| Assets per employee ($millions) | 5.2461% | 1,870 |
| Cash dividends to net income (ytd only)* | 8.4084% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 6,375 |
| Loan loss allowance to noncurrent loans | 241.7241% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 6,776 |
| Noncurrent loans to loans | 0.4160% | 6,410 |
| Net loans and leases to total assets | 59.7999% | 5,102 |
| Net loans and leases to deposits | 68.2704% | 5,529 |
| Net loans and leases to core deposits | 78.0570% | 4,941 |
| Total domestic deposits to total assets | 87.5926% | 2,209 |
| Equity capital to assets | 8.5994% | 6,013 |
| Core capital (leverage) ratio | 8.4450% | 5,502 |
| Tier 1 risk-based capital ratio | 11.4957% | 5,776 |
| Total risk-based capital ratio | 12.3631% | 6,112 |
| Memoranda: | ||
| Average total assets | $110,267,670 | 4,796 |
| Average earning assets | $100,824,330 | 4,783 |
| Average equity | $9,612,670 | 5,311 |
| Average total loans | $71,413,000 | 4,738 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 3,781 |
| Cost of funding earning assets | 1.5468% | 3,284 |
| Net interest margin | 3.7041% | 4,220 |
| Noninterest income to average assets | 0.0929% | 7,244 |
| Noninterest expense to average assets | 2.0020% | 7,154 |
| Loan and lease loss provision to assets | 0.1114% | 5,501 |
| Net operating income to assets | 1.3594% | 1,167 |
| Return on assets (ROA) | 1.3631% | 1,226 |
| Pretax return on assets | 1.3631% | 1,871 |
| Return on Equity (ROE) | 15.5237% | 798 |
| Retained earnings to average equity (ytd only) | 14.3393% | 467 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6471% | 6,542 |
| Assets per employee ($millions) | 4.8669% | 2,416 |
| Cash dividends to net income (ytd only)* | 7.6294% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 6,735 |
| Loan loss allowance to noncurrent loans | 282.3529% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 6,904 |
| Noncurrent loans to loans | 0.3301% | 6,639 |
| Net loans and leases to total assets | 66.7025% | 3,696 |
| Net loans and leases to deposits | 76.7550% | 4,271 |
| Net loans and leases to core deposits | 81.0695% | 4,611 |
| Total domestic deposits to total assets | 86.9031% | 2,678 |
| Equity capital to assets | 8.9782% | 5,312 |
| Core capital (leverage) ratio | 8.4499% | 5,468 |
| Tier 1 risk-based capital ratio | 11.1993% | 5,959 |
| Total risk-based capital ratio | 12.0336% | 6,344 |
| Memoranda: | ||
| Average total assets | $107,694,000 | 4,937 |
| Average earning assets | $98,269,000 | 4,925 |
| Average equity | $9,456,500 | 5,407 |
| Average total loans | $72,260,000 | 4,774 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 5,165 |
| Cost of funding earning assets | 1.9531% | 3,196 |
| Net interest margin | 3.3489% | 5,558 |
| Noninterest income to average assets | 0.2960% | 5,996 |
| Noninterest expense to average assets | 2.2347% | 6,903 |
| Loan and lease loss provision to assets | 0.2073% | 5,686 |
| Net operating income to assets | 0.8840% | 2,231 |
| Return on assets (ROA) | 0.8840% | 2,301 |
| Pretax return on assets | 0.8840% | 2,976 |
| Return on Equity (ROE) | 10.2355% | 1,623 |
| Retained earnings to average equity (ytd only) | 8.0813% | 677 |
| Net charge-offs to loans | 0.2361% | 5,149 |
| Credit loss provision to net charge-offs | 139.6104% | 3,497 |
| Earnings coverage of net charge-offs (x) | 7.3506% | 2,171 |
| Efficiency ratio | 67.1884% | 5,147 |
| Assets per employee ($millions) | 4.5132% | 2,901 |
| Cash dividends to net income (ytd only)* | 21.0469% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 6,876 |
| Loan loss allowance to noncurrent loans | 210.1639% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 6,747 |
| Noncurrent loans to loans | 0.4211% | 6,429 |
| Net loans and leases to total assets | 66.2758% | 4,085 |
| Net loans and leases to deposits | 77.5483% | 4,467 |
| Net loans and leases to core deposits | 98.8693% | 4,131 |
| Total domestic deposits to total assets | 85.4640% | 3,312 |
| Equity capital to assets | 8.5859% | 5,744 |
| Core capital (leverage) ratio | 8.2527% | 5,715 |
| Tier 1 risk-based capital ratio | 10.6658% | 6,238 |
| Total risk-based capital ratio | 11.4533% | 6,650 |
| Memoranda: | ||
| Average total assets | $103,729,200 | 4,991 |
| Average earning assets | $93,850,600 | 5,013 |
| Average equity | $8,959,000 | 5,618 |
| Average total loans | $65,220,400 | 5,057 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3154% | 5,341 |
| Cost of funding earning assets | 2.0566% | 3,086 |
| Net interest margin | 3.2589% | 5,795 |
| Noninterest income to average assets | 0.2898% | 6,164 |
| Noninterest expense to average assets | 2.3551% | 6,541 |
| Loan and lease loss provision to assets | 0.0585% | 6,779 |
| Net operating income to assets | 0.8214% | 2,717 |
| Return on assets (ROA) | 0.8214% | 2,783 |
| Pretax return on assets | 0.8214% | 3,470 |
| Return on Equity (ROE) | 9.4960% | 2,099 |
| Retained earnings to average equity (ytd only) | 7.5878% | 1,273 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8003% | 4,085 |
| Assets per employee ($millions) | 4.3478% | 3,125 |
| Cash dividends to net income (ytd only)* | 20.0949% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,551 |
| Loan loss allowance to noncurrent loans | 309.4059% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 7,047 |
| Noncurrent loans to loans | 0.3066% | 6,754 |
| Net loans and leases to total assets | 62.5314% | 5,156 |
| Net loans and leases to deposits | 71.9862% | 5,657 |
| Net loans and leases to core deposits | 92.2365% | 5,214 |
| Total domestic deposits to total assets | 86.8658% | 2,252 |
| Equity capital to assets | 8.7392% | 5,896 |
| Core capital (leverage) ratio | 8.1135% | 6,167 |
| Tier 1 risk-based capital ratio | 10.9259% | 6,019 |
| Total risk-based capital ratio | 11.7328% | 6,439 |
| Memoranda: | ||
| Average total assets | $102,582,250 | 5,057 |
| Average earning assets | $92,709,250 | 5,082 |
| Average equity | $8,873,750 | 5,691 |
| Average total loans | $63,418,250 | 5,153 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3421% | 5,438 |
| Cost of funding earning assets | 2.1390% | 3,094 |
| Net interest margin | 3.2031% | 5,903 |
| Noninterest income to average assets | 0.2883% | 6,206 |
| Noninterest expense to average assets | 2.3707% | 6,554 |
| Loan and lease loss provision to assets | 0.0588% | 6,634 |
| Net operating income to assets | 0.7393% | 3,096 |
| Return on assets (ROA) | 0.7393% | 3,198 |
| Pretax return on assets | 0.7393% | 3,868 |
| Return on Equity (ROE) | 8.5760% | 2,532 |
| Retained earnings to average equity (ytd only) | 6.6652% | 1,713 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8144% | 3,905 |
| Assets per employee ($millions) | 4.3379% | 3,038 |
| Cash dividends to net income (ytd only)* | 22.2812% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 6,408 |
| Loan loss allowance to noncurrent loans | 294.6860% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 7,023 |
| Noncurrent loans to loans | 0.3315% | 6,681 |
| Net loans and leases to total assets | 59.3964% | 5,780 |
| Net loans and leases to deposits | 68.2573% | 6,159 |
| Net loans and leases to core deposits | 85.6148% | 5,944 |
| Total domestic deposits to total assets | 87.0184% | 2,246 |
| Equity capital to assets | 8.5622% | 5,954 |
| Core capital (leverage) ratio | 8.0610% | 6,230 |
| Tier 1 risk-based capital ratio | 10.7934% | 6,090 |
| Total risk-based capital ratio | 11.5913% | 6,482 |
| Memoranda: | ||
| Average total assets | $101,994,330 | 5,101 |
| Average earning assets | $91,724,000 | 5,134 |
| Average equity | $8,792,000 | 5,753 |
| Average total loans | $62,599,670 | 5,231 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2930% | 5,920 |
| Cost of funding earning assets | 2.1689% | 3,323 |
| Net interest margin | 3.1241% | 6,129 |
| Noninterest income to average assets | 0.2655% | 6,321 |
| Noninterest expense to average assets | 2.1677% | 6,959 |
| Loan and lease loss provision to assets | 0.0594% | 6,215 |
| Net operating income to assets | 0.8639% | 2,865 |
| Return on assets (ROA) | 0.8679% | 2,995 |
| Pretax return on assets | 0.8679% | 3,834 |
| Return on Equity (ROE) | 10.0332% | 2,303 |
| Retained earnings to average equity (ytd only) | 8.1090% | 1,769 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1282% | 4,549 |
| Assets per employee ($millions) | 4.2921% | 3,095 |
| Cash dividends to net income (ytd only)* | 19.1781% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 6,575 |
| Loan loss allowance to noncurrent loans | 217.9487% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 6,713 |
| Noncurrent loans to loans | 0.4296% | 6,347 |
| Net loans and leases to total assets | 61.1100% | 5,486 |
| Net loans and leases to deposits | 70.2308% | 5,956 |
| Net loans and leases to core deposits | 88.1381% | 5,729 |
| Total domestic deposits to total assets | 87.0130% | 2,210 |
| Equity capital to assets | 8.5408% | 6,006 |
| Core capital (leverage) ratio | 8.0660% | 6,358 |
| Tier 1 risk-based capital ratio | 9.7651% | 7,182 |
| Total risk-based capital ratio | 10.4805% | 7,637 |
| Memoranda: | ||
| Average total assets | $100,937,000 | 5,155 |
| Average earning assets | $91,290,500 | 5,173 |
| Average equity | $8,731,000 | 5,800 |
| Average total loans | $62,676,000 | 5,254 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0653% | 5,231 |
| Cost of funding earning assets | 2.5928% | 3,719 |
| Net interest margin | 3.4725% | 5,392 |
| Noninterest income to average assets | 0.3342% | 6,061 |
| Noninterest expense to average assets | 2.3318% | 6,614 |
| Loan and lease loss provision to assets | 0.1783% | 5,112 |
| Net operating income to assets | 0.9512% | 2,786 |
| Return on assets (ROA) | 0.9715% | 2,563 |
| Pretax return on assets | 1.0072% | 3,360 |
| Return on Equity (ROE) | 10.4005% | 2,125 |
| Retained earnings to average equity (ytd only) | 5.2718% | 1,873 |
| Net charge-offs to loans | 0.1721% | 4,483 |
| Credit loss provision to net charge-offs | 158.4158% | 3,275 |
| Earnings coverage of net charge-offs (x) | 10.3465% | 2,527 |
| Efficiency ratio | 66.6985% | 4,972 |
| Assets per employee ($millions) | 4.1193% | 3,274 |
| Cash dividends to net income (ytd only)* | 49.3119% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 6,456 |
| Loan loss allowance to noncurrent loans | 219.6970% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 6,507 |
| Noncurrent loans to loans | 0.4271% | 6,058 |
| Net loans and leases to total assets | 61.9312% | 5,634 |
| Net loans and leases to deposits | 71.4334% | 6,121 |
| Net loans and leases to core deposits | 89.7928% | 5,819 |
| Total domestic deposits to total assets | 86.6978% | 2,095 |
| Equity capital to assets | 8.7636% | 5,713 |
| Core capital (leverage) ratio | 8.5131% | 5,553 |
| Tier 1 risk-based capital ratio | 10.7859% | 5,929 |
| Total risk-based capital ratio | 11.5721% | 6,270 |
| Memoranda: | ||
| Average total assets | $89,757,600 | 5,366 |
| Average earning assets | $81,727,200 | 5,382 |
| Average equity | $8,384,200 | 5,951 |
| Average total loans | $58,683,000 | 5,335 |