Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 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 | 3.2818% | 3,478 |
| Cost of funding earning assets | 0.3067% | 2,722 |
| Net interest margin | 2.9751% | 3,381 |
| Noninterest income to average assets | 0.4059% | 3,078 |
| Noninterest expense to average assets | 2.6829% | 1,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3911% | 4,404 |
| Return on assets (ROA) | 0.3911% | 4,442 |
| Pretax return on assets | 0.4963% | 4,397 |
| Return on Equity (ROE) | 3.5828% | 4,398 |
| Retained earnings to average equity (ytd only) | 3.5828% | 3,657 |
| Net charge-offs to loans | -0.0525% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3896% | 531 |
| Assets per employee ($millions) | 4.5663% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 3,971 |
| Loan loss allowance to noncurrent loans | 78.6501% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1454% | 618 |
| Noncurrent loans to loans | 1.2186% | 988 |
| Net loans and leases to total assets | 43.0746% | 4,107 |
| Net loans and leases to deposits | 48.8339% | 4,172 |
| Net loans and leases to core deposits | 52.2200% | 4,122 |
| Total domestic deposits to total assets | 88.2063% | 1,716 |
| Equity capital to assets | 10.8404% | 2,113 |
| Core capital (leverage) ratio | 11.0554% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,005,333 | 3,684 |
| Average earning assets | $125,845,000 | 3,667 |
| Average equity | $14,737,000 | 3,706 |
| Average total loans | $60,902,667 | 3,878 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3071% | 3,431 |
| Cost of funding earning assets | 0.3144% | 2,852 |
| Net interest margin | 2.9927% | 3,279 |
| Noninterest income to average assets | 0.4029% | 3,076 |
| Noninterest expense to average assets | 2.6355% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4686% | 4,239 |
| Return on assets (ROA) | 0.4686% | 4,276 |
| Pretax return on assets | 0.5522% | 4,267 |
| Return on Equity (ROE) | 4.2778% | 4,231 |
| Retained earnings to average equity (ytd only) | 4.2778% | 3,426 |
| Net charge-offs to loans | -0.0195% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6779% | 663 |
| Assets per employee ($millions) | 4.4543% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 4,082 |
| Loan loss allowance to noncurrent loans | 74.6988% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1155% | 702 |
| Noncurrent loans to loans | 1.2410% | 1,058 |
| Net loans and leases to total assets | 41.8369% | 4,241 |
| Net loans and leases to deposits | 47.0604% | 4,303 |
| Net loans and leases to core deposits | 50.1598% | 4,291 |
| Total domestic deposits to total assets | 88.9004% | 1,390 |
| Equity capital to assets | 10.2661% | 2,464 |
| Core capital (leverage) ratio | 10.3157% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,014,000 | 3,696 |
| Average earning assets | $124,701,500 | 3,682 |
| Average equity | $14,680,500 | 3,721 |
| Average total loans | $61,565,000 | 3,887 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 2,601 |
| Cost of funding earning assets | 0.8695% | 951 |
| Net interest margin | 3.1727% | 3,431 |
| Noninterest income to average assets | 0.4785% | 2,735 |
| Noninterest expense to average assets | 3.0696% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3414% | 4,371 |
| Return on assets (ROA) | 0.4923% | 4,128 |
| Pretax return on assets | 0.4923% | 4,286 |
| Return on Equity (ROE) | 4.2010% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.1629% | 3,254 |
| Net charge-offs to loans | -0.0238% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9905% | 380 |
| Assets per employee ($millions) | 4.1830% | 4,225 |
| Cash dividends to net income (ytd only)* | 24.7117% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 4,238 |
| Loan loss allowance to noncurrent loans | 70.4315% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.2997% | 623 |
| Noncurrent loans to loans | 1.2520% | 1,096 |
| Net loans and leases to total assets | 49.7119% | 3,846 |
| Net loans and leases to deposits | 56.8611% | 3,952 |
| Net loans and leases to core deposits | 61.2298% | 3,874 |
| Total domestic deposits to total assets | 87.4270% | 1,737 |
| Equity capital to assets | 11.7363% | 1,710 |
| Core capital (leverage) ratio | 11.5139% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,305,200 | 3,709 |
| Average earning assets | $113,971,800 | 3,711 |
| Average equity | $14,448,800 | 3,699 |
| Average total loans | $62,996,200 | 3,865 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 2,832 |
| Cost of funding earning assets | 0.9382% | 938 |
| Net interest margin | 3.1092% | 3,716 |
| Noninterest income to average assets | 0.4540% | 2,829 |
| Noninterest expense to average assets | 3.1378% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1922% | 4,609 |
| Return on assets (ROA) | 0.3943% | 4,341 |
| Pretax return on assets | 0.3943% | 4,439 |
| Return on Equity (ROE) | 3.3659% | 4,324 |
| Retained earnings to average equity (ytd only) | 3.3659% | 3,366 |
| Net charge-offs to loans | -0.0233% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2270% | 257 |
| Assets per employee ($millions) | 3.6369% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,247 |
| Loan loss allowance to noncurrent loans | 73.7617% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 743 |
| Noncurrent loans to loans | 1.1430% | 1,326 |
| Net loans and leases to total assets | 52.4059% | 3,936 |
| Net loans and leases to deposits | 60.2439% | 4,048 |
| Net loans and leases to core deposits | 64.9703% | 3,955 |
| Total domestic deposits to total assets | 86.9895% | 1,675 |
| Equity capital to assets | 11.8864% | 1,743 |
| Core capital (leverage) ratio | 11.2807% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,758,750 | 3,704 |
| Average earning assets | $113,551,000 | 3,706 |
| Average equity | $14,379,000 | 3,713 |
| Average total loans | $63,010,500 | 3,884 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,991 |
| Cost of funding earning assets | 1.0031% | 977 |
| Net interest margin | 3.1188% | 3,863 |
| Noninterest income to average assets | 0.4475% | 2,818 |
| Noninterest expense to average assets | 3.1635% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1633% | 4,620 |
| Return on assets (ROA) | 0.4671% | 4,157 |
| Pretax return on assets | 0.4671% | 4,306 |
| Return on Equity (ROE) | 4.0077% | 4,103 |
| Retained earnings to average equity (ytd only) | 4.0077% | 2,901 |
| Net charge-offs to loans | -0.0386% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0908% | 266 |
| Assets per employee ($millions) | 3.6894% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 4,062 |
| Loan loss allowance to noncurrent loans | 71.9321% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 819 |
| Noncurrent loans to loans | 1.2300% | 1,271 |
| Net loans and leases to total assets | 49.2048% | 4,194 |
| Net loans and leases to deposits | 56.2986% | 4,283 |
| Net loans and leases to core deposits | 60.6221% | 4,230 |
| Total domestic deposits to total assets | 87.3997% | 1,450 |
| Equity capital to assets | 11.6182% | 1,898 |
| Core capital (leverage) ratio | 10.9094% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,460,333 | 3,695 |
| Average earning assets | $113,055,000 | 3,689 |
| Average equity | $14,272,667 | 3,729 |
| Average total loans | $62,229,667 | 3,903 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 2,877 |
| Cost of funding earning assets | 1.0600% | 1,180 |
| Net interest margin | 3.2555% | 3,702 |
| Noninterest income to average assets | 0.4563% | 2,755 |
| Noninterest expense to average assets | 3.2107% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2414% | 4,462 |
| Return on assets (ROA) | 0.4828% | 3,993 |
| Pretax return on assets | 0.4828% | 4,149 |
| Return on Equity (ROE) | 4.1354% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.1354% | 2,628 |
| Net charge-offs to loans | -0.0322% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0077% | 400 |
| Assets per employee ($millions) | 3.5354% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,153 |
| Loan loss allowance to noncurrent loans | 67.6179% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 776 |
| Noncurrent loans to loans | 1.3150% | 1,240 |
| Net loans and leases to total assets | 47.7289% | 4,351 |
| Net loans and leases to deposits | 54.2612% | 4,433 |
| Net loans and leases to core deposits | 58.3283% | 4,421 |
| Total domestic deposits to total assets | 87.9613% | 1,127 |
| Equity capital to assets | 11.2475% | 2,639 |
| Core capital (leverage) ratio | 10.9879% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,970,000 | 3,689 |
| Average earning assets | $111,318,500 | 3,699 |
| Average equity | $14,122,000 | 3,758 |
| Average total loans | $62,207,500 | 3,921 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 3,004 |
| Cost of funding earning assets | 1.0158% | 1,659 |
| Net interest margin | 3.4664% | 3,545 |
| Noninterest income to average assets | 0.5148% | 2,647 |
| Noninterest expense to average assets | 3.4251% | 1,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6837% | 3,915 |
| Return on assets (ROA) | 0.6837% | 3,986 |
| Pretax return on assets | 0.2886% | 4,827 |
| Return on Equity (ROE) | 6.1203% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.0034% | 2,411 |
| Net charge-offs to loans | 0.0359% | 2,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 14.4583% | 2,284 |
| Efficiency ratio | 92.2284% | 286 |
| Assets per employee ($millions) | 3.0176% | 4,820 |
| Cash dividends to net income (ytd only)* | 18.2482% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 4,137 |
| Loan loss allowance to noncurrent loans | 54.6006% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.7372% | 526 |
| Noncurrent loans to loans | 1.5668% | 904 |
| Net loans and leases to total assets | 54.5789% | 4,041 |
| Net loans and leases to deposits | 62.6466% | 4,162 |
| Net loans and leases to core deposits | 67.7668% | 4,092 |
| Total domestic deposits to total assets | 87.1218% | 1,550 |
| Equity capital to assets | 12.1473% | 2,045 |
| Core capital (leverage) ratio | 11.7302% | 1,937 |
| Tier 1 risk-based capital ratio | 19.3596% | 1,446 |
| Total risk-based capital ratio | 20.1402% | 1,508 |
| Memoranda: | ||
| Average total assets | $120,229,200 | 3,699 |
| Average earning assets | $110,950,000 | 3,694 |
| Average equity | $13,430,800 | 3,835 |
| Average total loans | $66,837,000 | 3,839 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 3,179 |
| Cost of funding earning assets | 1.0420% | 1,577 |
| Net interest margin | 3.4172% | 3,819 |
| Noninterest income to average assets | 0.5043% | 2,702 |
| Noninterest expense to average assets | 3.4138% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6084% | 4,276 |
| Return on assets (ROA) | 0.6084% | 4,328 |
| Pretax return on assets | 0.2543% | 4,947 |
| Return on Equity (ROE) | 5.5611% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.5611% | 2,592 |
| Net charge-offs to loans | 0.0197% | 2,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 23.2056% | 1,840 |
| Efficiency ratio | 93.0663% | 252 |
| Assets per employee ($millions) | 3.3842% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 4,346 |
| Loan loss allowance to noncurrent loans | 50.5936% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.7847% | 558 |
| Noncurrent loans to loans | 1.6224% | 910 |
| Net loans and leases to total assets | 56.5126% | 4,013 |
| Net loans and leases to deposits | 64.7802% | 4,138 |
| Net loans and leases to core deposits | 70.5160% | 4,033 |
| Total domestic deposits to total assets | 87.2374% | 1,412 |
| Equity capital to assets | 11.7959% | 2,420 |
| Core capital (leverage) ratio | 11.1686% | 2,496 |
| Tier 1 risk-based capital ratio | 18.1112% | 1,784 |
| Total risk-based capital ratio | 18.8648% | 1,880 |
| Memoranda: | ||
| Average total assets | $121,619,750 | 3,708 |
| Average earning assets | $112,603,500 | 3,702 |
| Average equity | $13,306,250 | 3,888 |
| Average total loans | $67,765,250 | 3,862 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 3,144 |
| Cost of funding earning assets | 1.0479% | 1,504 |
| Net interest margin | 3.4127% | 3,856 |
| Noninterest income to average assets | 0.4875% | 2,747 |
| Noninterest expense to average assets | 3.4057% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5250% | 4,470 |
| Return on assets (ROA) | 0.5250% | 4,500 |
| Pretax return on assets | 0.2462% | 4,984 |
| Return on Equity (ROE) | 4.9219% | 4,365 |
| Retained earnings to average equity (ytd only) | 4.9219% | 2,814 |
| Net charge-offs to loans | 0.0206% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 21.5714% | 1,731 |
| Efficiency ratio | 93.2589% | 249 |
| Assets per employee ($millions) | 3.2401% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 4,369 |
| Loan loss allowance to noncurrent loans | 42.8791% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.0353% | 451 |
| Noncurrent loans to loans | 1.9108% | 767 |
| Net loans and leases to total assets | 54.7606% | 4,160 |
| Net loans and leases to deposits | 62.0984% | 4,326 |
| Net loans and leases to core deposits | 67.3008% | 4,248 |
| Total domestic deposits to total assets | 88.1836% | 1,014 |
| Equity capital to assets | 11.0741% | 2,970 |
| Core capital (leverage) ratio | 10.4974% | 3,094 |
| Tier 1 risk-based capital ratio | 17.0924% | 2,058 |
| Total risk-based capital ratio | 17.8221% | 2,165 |
| Memoranda: | ||
| Average total assets | $122,677,000 | 3,713 |
| Average earning assets | $113,752,000 | 3,710 |
| Average equity | $13,084,330 | 3,920 |
| Average total loans | $67,856,330 | 3,887 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 2,959 |
| Cost of funding earning assets | 1.0490% | 1,384 |
| Net interest margin | 3.4252% | 3,821 |
| Noninterest income to average assets | 0.4998% | 2,555 |
| Noninterest expense to average assets | 3.3221% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3887% | 4,756 |
| Return on assets (ROA) | 0.3887% | 4,768 |
| Pretax return on assets | 0.3561% | 4,893 |
| Return on Equity (ROE) | 3.7161% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.7161% | 3,438 |
| Net charge-offs to loans | 0.0059% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 635 |
| Efficiency ratio | 90.3197% | 383 |
| Assets per employee ($millions) | 3.5356% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 4,451 |
| Loan loss allowance to noncurrent loans | 42.1092% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.0042% | 487 |
| Noncurrent loans to loans | 1.9510% | 769 |
| Net loans and leases to total assets | 53.3983% | 4,243 |
| Net loans and leases to deposits | 59.9362% | 4,417 |
| Net loans and leases to core deposits | 64.5069% | 4,355 |
| Total domestic deposits to total assets | 89.0920% | 822 |
| Equity capital to assets | 10.2606% | 3,563 |
| Core capital (leverage) ratio | 10.1854% | 3,407 |
| Tier 1 risk-based capital ratio | 17.4767% | 1,946 |
| Total risk-based capital ratio | 18.2338% | 2,060 |
| Memoranda: | ||
| Average total assets | $122,453,000 | 3,758 |
| Average earning assets | $113,630,000 | 3,751 |
| Average equity | $12,809,000 | 3,971 |
| Average total loans | $67,794,000 | 3,928 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 2,844 |
| Cost of funding earning assets | 0.7002% | 2,092 |
| Net interest margin | 3.6756% | 3,135 |
| Noninterest income to average assets | 0.5628% | 2,477 |
| Noninterest expense to average assets | 3.2661% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7138% | 4,103 |
| Return on assets (ROA) | 0.7381% | 4,012 |
| Pretax return on assets | 0.7071% | 4,396 |
| Return on Equity (ROE) | 7.3303% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.0808% | 2,154 |
| Net charge-offs to loans | 0.0755% | 2,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 16.9583% | 2,218 |
| Efficiency ratio | 82.7103% | 728 |
| Assets per employee ($millions) | 3.3607% | 4,697 |
| Cash dividends to net income (ytd only)* | 17.0455% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 4,388 |
| Loan loss allowance to noncurrent loans | 40.1423% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.2776% | 369 |
| Noncurrent loans to loans | 2.0952% | 633 |
| Net loans and leases to total assets | 56.5315% | 4,090 |
| Net loans and leases to deposits | 66.2106% | 4,104 |
| Net loans and leases to core deposits | 72.4762% | 3,959 |
| Total domestic deposits to total assets | 85.3813% | 2,473 |
| Equity capital to assets | 10.6765% | 3,009 |
| Core capital (leverage) ratio | 10.8835% | 2,646 |
| Tier 1 risk-based capital ratio | 17.5501% | 1,884 |
| Total risk-based capital ratio | 18.3187% | 1,985 |
| Memoranda: | ||
| Average total assets | $119,223,000 | 3,800 |
| Average earning assets | $109,832,400 | 3,807 |
| Average equity | $12,005,000 | 4,027 |
| Average total loans | $63,613,200 | 4,011 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 2,912 |
| Cost of funding earning assets | 0.6731% | 2,014 |
| Net interest margin | 3.6429% | 3,214 |
| Noninterest income to average assets | 0.5640% | 2,501 |
| Noninterest expense to average assets | 3.2468% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7022% | 4,218 |
| Return on assets (ROA) | 0.7022% | 4,227 |
| Pretax return on assets | 0.6710% | 4,603 |
| Return on Equity (ROE) | 7.0784% | 3,905 |
| Retained earnings to average equity (ytd only) | 7.0784% | 2,088 |
| Net charge-offs to loans | 0.0191% | 2,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 66.8875% | 984 |
| Efficiency ratio | 82.8734% | 714 |
| Assets per employee ($millions) | 3.3479% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 4,206 |
| Loan loss allowance to noncurrent loans | 57.9808% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.9299% | 566 |
| Noncurrent loans to loans | 1.5780% | 1,011 |
| Net loans and leases to total assets | 54.1821% | 4,356 |
| Net loans and leases to deposits | 63.0417% | 4,389 |
| Net loans and leases to core deposits | 68.8023% | 4,261 |
| Total domestic deposits to total assets | 85.9465% | 2,227 |
| Equity capital to assets | 9.9440% | 3,706 |
| Core capital (leverage) ratio | 10.8608% | 2,715 |
| Tier 1 risk-based capital ratio | 17.3947% | 1,968 |
| Total risk-based capital ratio | 18.2156% | 2,067 |
| Memoranda: | ||
| Average total assets | $119,623,000 | 3,835 |
| Average earning assets | $110,129,250 | 3,842 |
| Average equity | $11,866,750 | 4,086 |
| Average total loans | $62,752,000 | 4,072 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 2,735 |
| Cost of funding earning assets | 0.6729% | 1,788 |
| Net interest margin | 3.6344% | 3,185 |
| Noninterest income to average assets | 0.5649% | 2,499 |
| Noninterest expense to average assets | 3.2651% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6705% | 4,286 |
| Return on assets (ROA) | 0.6705% | 4,287 |
| Pretax return on assets | 0.6403% | 4,664 |
| Return on Equity (ROE) | 6.7640% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.7640% | 2,183 |
| Net charge-offs to loans | 0.0259% | 2,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 1,156 |
| Efficiency ratio | 83.6052% | 713 |
| Assets per employee ($millions) | 3.4512% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 4,081 |
| Loan loss allowance to noncurrent loans | 83.1956% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.7607% | 676 |
| Noncurrent loans to loans | 1.1496% | 1,520 |
| Net loans and leases to total assets | 53.3075% | 4,393 |
| Net loans and leases to deposits | 59.7476% | 4,541 |
| Net loans and leases to core deposits | 65.1390% | 4,420 |
| Total domestic deposits to total assets | 89.2211% | 845 |
| Equity capital to assets | 10.1193% | 3,520 |
| Core capital (leverage) ratio | 10.3578% | 3,174 |
| Tier 1 risk-based capital ratio | 17.5930% | 1,917 |
| Total risk-based capital ratio | 18.4398% | 1,985 |
| Memoranda: | ||
| Average total assets | $119,322,330 | 3,873 |
| Average earning assets | $109,673,330 | 3,877 |
| Average equity | $11,827,330 | 4,113 |
| Average total loans | $61,700,670 | 4,122 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 2,949 |
| Cost of funding earning assets | 0.6575% | 1,676 |
| Net interest margin | 3.5222% | 3,453 |
| Noninterest income to average assets | 0.5286% | 2,640 |
| Noninterest expense to average assets | 3.2149% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5851% | 4,465 |
| Return on assets (ROA) | 0.5851% | 4,472 |
| Pretax return on assets | 0.5552% | 4,781 |
| Return on Equity (ROE) | 5.9641% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.9641% | 2,723 |
| Net charge-offs to loans | 0.0197% | 2,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 881 |
| Efficiency ratio | 85.2734% | 690 |
| Assets per employee ($millions) | 3.4567% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,009 |
| Loan loss allowance to noncurrent loans | 104.4597% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.5984% | 848 |
| Noncurrent loans to loans | 0.9498% | 1,923 |
| Net loans and leases to total assets | 48.8348% | 4,643 |
| Net loans and leases to deposits | 54.2376% | 4,783 |
| Net loans and leases to core deposits | 58.7792% | 4,712 |
| Total domestic deposits to total assets | 90.0386% | 644 |
| Equity capital to assets | 9.4246% | 4,156 |
| Core capital (leverage) ratio | 9.9137% | 3,624 |
| Tier 1 risk-based capital ratio | 17.8299% | 1,884 |
| Total risk-based capital ratio | 18.7109% | 1,941 |
| Memoranda: | ||
| Average total assets | $120,313,500 | 3,894 |
| Average earning assets | $110,725,500 | 3,908 |
| Average equity | $11,804,000 | 4,153 |
| Average total loans | $60,973,500 | 4,179 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 2,574 |
| Cost of funding earning assets | 0.5806% | 1,739 |
| Net interest margin | 3.6512% | 2,983 |
| Noninterest income to average assets | 0.6003% | 2,448 |
| Noninterest expense to average assets | 3.3366% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6175% | 3,939 |
| Return on assets (ROA) | 0.6399% | 3,888 |
| Pretax return on assets | 0.6279% | 4,680 |
| Return on Equity (ROE) | 6.2793% | 3,636 |
| Retained earnings to average equity (ytd only) | 5.0116% | 2,118 |
| Net charge-offs to loans | 0.0212% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 54.0769% | 1,033 |
| Efficiency ratio | 84.6406% | 719 |
| Assets per employee ($millions) | 3.2274% | 5,006 |
| Cash dividends to net income (ytd only)* | 20.1884% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 3,873 |
| Loan loss allowance to noncurrent loans | 81.4913% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.9649% | 576 |
| Noncurrent loans to loans | 1.2399% | 1,427 |
| Net loans and leases to total assets | 51.6030% | 4,546 |
| Net loans and leases to deposits | 57.7756% | 4,698 |
| Net loans and leases to core deposits | 63.0293% | 4,597 |
| Total domestic deposits to total assets | 89.3164% | 859 |
| Equity capital to assets | 10.2249% | 3,466 |
| Core capital (leverage) ratio | 10.5765% | 2,767 |
| Tier 1 risk-based capital ratio | 17.8865% | 1,831 |
| Total risk-based capital ratio | 18.7876% | 1,888 |
| Memoranda: | ||
| Average total assets | $116,106,000 | 3,961 |
| Average earning assets | $106,265,200 | 3,980 |
| Average equity | $11,832,600 | 4,169 |
| Average total loans | $61,315,600 | 4,171 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 2,394 |
| Cost of funding earning assets | 0.5842% | 1,649 |
| Net interest margin | 3.6758% | 2,839 |
| Noninterest income to average assets | 0.5869% | 2,555 |
| Noninterest expense to average assets | 3.3078% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6708% | 4,118 |
| Return on assets (ROA) | 0.6708% | 4,174 |
| Pretax return on assets | 0.6466% | 4,739 |
| Return on Equity (ROE) | 6.5871% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.5871% | 1,919 |
| Net charge-offs to loans | 0.0217% | 3,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 56.3128% | 1,034 |
| Efficiency ratio | 83.6480% | 783 |
| Assets per employee ($millions) | 3.1728% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,111 |
| Loan loss allowance to noncurrent loans | 82.7725% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.9917% | 652 |
| Noncurrent loans to loans | 1.1979% | 1,599 |
| Net loans and leases to total assets | 53.7620% | 4,433 |
| Net loans and leases to deposits | 60.6475% | 4,602 |
| Net loans and leases to core deposits | 66.4869% | 4,452 |
| Total domestic deposits to total assets | 88.6467% | 1,042 |
| Equity capital to assets | 10.6617% | 3,201 |
| Core capital (leverage) ratio | 10.4226% | 3,062 |
| Tier 1 risk-based capital ratio | 17.5324% | 2,002 |
| Total risk-based capital ratio | 18.4207% | 2,064 |
| Memoranda: | ||
| Average total assets | $116,085,750 | 4,001 |
| Average earning assets | $106,351,250 | 4,017 |
| Average equity | $11,820,750 | 4,209 |
| Average total loans | $61,502,500 | 4,206 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 2,525 |
| Cost of funding earning assets | 0.5795% | 1,578 |
| Net interest margin | 3.6062% | 3,011 |
| Noninterest income to average assets | 0.5912% | 2,503 |
| Noninterest expense to average assets | 3.2509% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6701% | 3,980 |
| Return on assets (ROA) | 0.6701% | 4,038 |
| Pretax return on assets | 0.6461% | 4,699 |
| Return on Equity (ROE) | 6.6828% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.6828% | 1,750 |
| Net charge-offs to loans | 0.0065% | 3,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 430 |
| Efficiency ratio | 83.4213% | 885 |
| Assets per employee ($millions) | 3.1766% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 4,150 |
| Loan loss allowance to noncurrent loans | 87.2549% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.8990% | 697 |
| Noncurrent loans to loans | 1.1459% | 1,709 |
| Net loans and leases to total assets | 52.4822% | 4,527 |
| Net loans and leases to deposits | 58.8120% | 4,710 |
| Net loans and leases to core deposits | 64.2552% | 4,584 |
| Total domestic deposits to total assets | 89.2372% | 836 |
| Equity capital to assets | 10.2301% | 3,645 |
| Core capital (leverage) ratio | 10.0102% | 3,526 |
| Tier 1 risk-based capital ratio | 17.4142% | 2,035 |
| Total risk-based capital ratio | 18.3224% | 2,090 |
| Memoranda: | ||
| Average total assets | $116,707,000 | 4,013 |
| Average earning assets | $106,982,000 | 4,033 |
| Average equity | $11,701,670 | 4,241 |
| Average total loans | $61,329,000 | 4,231 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 2,792 |
| Cost of funding earning assets | 0.5802% | 1,509 |
| Net interest margin | 3.4815% | 3,347 |
| Noninterest income to average assets | 0.5882% | 2,467 |
| Noninterest expense to average assets | 3.2710% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5400% | 4,421 |
| Return on assets (ROA) | 0.5400% | 4,466 |
| Pretax return on assets | 0.5159% | 4,936 |
| Return on Equity (ROE) | 5.4417% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.4417% | 2,634 |
| Net charge-offs to loans | 0.0066% | 2,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 365 |
| Efficiency ratio | 86.3760% | 776 |
| Assets per employee ($millions) | 3.2862% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,940 |
| Loan loss allowance to noncurrent loans | 89.9135% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 728 |
| Noncurrent loans to loans | 1.1776% | 1,727 |
| Net loans and leases to total assets | 49.2862% | 4,732 |
| Net loans and leases to deposits | 54.9698% | 4,882 |
| Net loans and leases to core deposits | 59.9909% | 4,779 |
| Total domestic deposits to total assets | 89.6604% | 817 |
| Equity capital to assets | 9.8721% | 3,906 |
| Core capital (leverage) ratio | 10.0730% | 3,411 |
| Tier 1 risk-based capital ratio | 17.7752% | 1,950 |
| Total risk-based capital ratio | 18.7223% | 1,997 |
| Memoranda: | ||
| Average total assets | $116,293,000 | 4,057 |
| Average earning assets | $106,851,500 | 4,068 |
| Average equity | $11,540,500 | 4,298 |
| Average total loans | $60,839,500 | 4,277 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 2,420 |
| Cost of funding earning assets | 0.5505% | 1,685 |
| Net interest margin | 3.6699% | 2,817 |
| Noninterest income to average assets | 0.8738% | 1,501 |
| Noninterest expense to average assets | 3.4054% | 1,344 |
| Loan and lease loss provision to assets | 0.0661% | 3,040 |
| Net operating income to assets | 0.7927% | 3,342 |
| Return on assets (ROA) | 0.7927% | 3,441 |
| Pretax return on assets | 0.7707% | 4,265 |
| Return on Equity (ROE) | 7.9214% | 2,985 |
| Retained earnings to average equity (ytd only) | 6.5997% | 1,408 |
| Net charge-offs to loans | -0.0601% | 5,445 |
| Credit loss provision to net charge-offs | -202.7027% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2744% | 1,388 |
| Assets per employee ($millions) | 3.1745% | 5,185 |
| Cash dividends to net income (ytd only)* | 16.6852% | 3,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 4,356 |
| Loan loss allowance to noncurrent loans | 101.6260% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.8874% | 761 |
| Noncurrent loans to loans | 0.9801% | 2,131 |
| Net loans and leases to total assets | 54.3589% | 4,414 |
| Net loans and leases to deposits | 60.5901% | 4,635 |
| Net loans and leases to core deposits | 66.3282% | 4,508 |
| Total domestic deposits to total assets | 89.7159% | 765 |
| Equity capital to assets | 9.9770% | 3,749 |
| Core capital (leverage) ratio | 10.2203% | 3,202 |
| Tier 1 risk-based capital ratio | 17.8225% | 1,901 |
| Total risk-based capital ratio | 18.7866% | 1,956 |
| Memoranda: | ||
| Average total assets | $113,407,000 | 4,103 |
| Average earning assets | $104,089,400 | 4,114 |
| Average equity | $11,349,000 | 4,367 |
| Average total loans | $61,583,400 | 4,242 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,321 |
| Cost of funding earning assets | 0.5553% | 1,647 |
| Net interest margin | 3.6988% | 2,723 |
| Noninterest income to average assets | 0.8246% | 1,670 |
| Noninterest expense to average assets | 3.3960% | 1,350 |
| Loan and lease loss provision to assets | 0.0883% | 2,465 |
| Net operating income to assets | 0.7574% | 3,573 |
| Return on assets (ROA) | 0.7574% | 3,702 |
| Pretax return on assets | 0.7374% | 4,508 |
| Return on Equity (ROE) | 7.5629% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.5629% | 1,372 |
| Net charge-offs to loans | -0.0457% | 5,335 |
| Credit loss provision to net charge-offs | -357.1429% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4408% | 1,385 |
| Assets per employee ($millions) | 3.2119% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 4,624 |
| Loan loss allowance to noncurrent loans | 101.1628% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.9225% | 830 |
| Noncurrent loans to loans | 0.9478% | 2,348 |
| Net loans and leases to total assets | 54.4037% | 4,461 |
| Net loans and leases to deposits | 61.0049% | 4,686 |
| Net loans and leases to core deposits | 66.7413% | 4,557 |
| Total domestic deposits to total assets | 89.1793% | 810 |
| Equity capital to assets | 10.1600% | 3,969 |
| Core capital (leverage) ratio | 9.9833% | 3,595 |
| Tier 1 risk-based capital ratio | 17.2492% | 2,150 |
| Total risk-based capital ratio | 18.1683% | 2,210 |
| Memoranda: | ||
| Average total assets | $113,188,000 | 4,139 |
| Average earning assets | $103,960,250 | 4,143 |
| Average equity | $11,335,750 | 4,406 |
| Average total loans | $61,292,250 | 4,280 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 2,121 |
| Cost of funding earning assets | 0.5577% | 1,640 |
| Net interest margin | 3.7537% | 2,506 |
| Noninterest income to average assets | 0.9184% | 1,319 |
| Noninterest expense to average assets | 3.4510% | 1,260 |
| Loan and lease loss provision to assets | 0.1335% | 1,713 |
| Net operating income to assets | 0.8134% | 3,248 |
| Return on assets (ROA) | 0.8134% | 3,382 |
| Pretax return on assets | 0.7956% | 4,296 |
| Return on Equity (ROE) | 8.1619% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.1619% | 1,120 |
| Net charge-offs to loans | -0.0198% | 4,945 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7891% | 1,681 |
| Assets per employee ($millions) | 3.2150% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 4,628 |
| Loan loss allowance to noncurrent loans | 97.2177% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.0280% | 810 |
| Noncurrent loans to loans | 1.0054% | 2,279 |
| Net loans and leases to total assets | 53.4801% | 4,556 |
| Net loans and leases to deposits | 60.0655% | 4,792 |
| Net loans and leases to core deposits | 65.7665% | 4,621 |
| Total domestic deposits to total assets | 89.0363% | 901 |
| Equity capital to assets | 10.3434% | 3,806 |
| Core capital (leverage) ratio | 9.7579% | 3,860 |
| Tier 1 risk-based capital ratio | 16.9061% | 2,252 |
| Total risk-based capital ratio | 17.7978% | 2,353 |
| Memoranda: | ||
| Average total assets | $112,374,000 | 4,178 |
| Average earning assets | $103,630,670 | 4,181 |
| Average equity | $11,198,330 | 4,452 |
| Average total loans | $60,551,000 | 4,325 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,360 |
| Cost of funding earning assets | 0.5545% | 1,665 |
| Net interest margin | 3.6776% | 2,767 |
| Noninterest income to average assets | 0.6091% | 2,469 |
| Noninterest expense to average assets | 3.4373% | 1,302 |
| Loan and lease loss provision to assets | 0.0249% | 3,349 |
| Net operating income to assets | 0.5592% | 4,373 |
| Return on assets (ROA) | 0.5592% | 4,477 |
| Pretax return on assets | 0.5485% | 4,955 |
| Return on Equity (ROE) | 5.7205% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.7205% | 2,517 |
| Net charge-offs to loans | -0.0993% | 5,633 |
| Credit loss provision to net charge-offs | -46.6667% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7016% | 1,002 |
| Assets per employee ($millions) | 3.3636% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 5,085 |
| Loan loss allowance to noncurrent loans | 29.1712% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 3.2830% | 363 |
| Noncurrent loans to loans | 3.0566% | 522 |
| Net loans and leases to total assets | 50.5118% | 4,761 |
| Net loans and leases to deposits | 56.0424% | 4,983 |
| Net loans and leases to core deposits | 60.7534% | 4,889 |
| Total domestic deposits to total assets | 90.1314% | 545 |
| Equity capital to assets | 9.4770% | 4,684 |
| Core capital (leverage) ratio | 9.4354% | 4,300 |
| Tier 1 risk-based capital ratio | 16.6961% | 2,398 |
| Total risk-based capital ratio | 17.5110% | 2,526 |
| Memoranda: | ||
| Average total assets | $112,298,000 | 4,219 |
| Average earning assets | $103,871,000 | 4,214 |
| Average equity | $10,978,000 | 4,511 |
| Average total loans | $60,440,000 | 4,353 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 2,425 |
| Cost of funding earning assets | 0.4900% | 2,255 |
| Net interest margin | 3.7486% | 2,562 |
| Noninterest income to average assets | 0.5498% | 3,013 |
| Noninterest expense to average assets | 3.2818% | 1,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7126% | 3,755 |
| Return on assets (ROA) | 0.7324% | 3,755 |
| Pretax return on assets | 0.7583% | 4,342 |
| Return on Equity (ROE) | 7.5526% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.6338% | 1,475 |
| Net charge-offs to loans | 0.0874% | 2,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.9231% | 2,169 |
| Efficiency ratio | 81.6449% | 1,452 |
| Assets per employee ($millions) | 3.0534% | 5,474 |
| Cash dividends to net income (ytd only)* | 12.1655% | 4,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 5,288 |
| Loan loss allowance to noncurrent loans | 55.0429% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 2.8802% | 470 |
| Noncurrent loans to loans | 1.5309% | 1,517 |
| Net loans and leases to total assets | 56.4860% | 4,255 |
| Net loans and leases to deposits | 62.9803% | 4,543 |
| Net loans and leases to core deposits | 68.8897% | 4,383 |
| Total domestic deposits to total assets | 89.6883% | 759 |
| Equity capital to assets | 10.1049% | 3,856 |
| Core capital (leverage) ratio | 10.0033% | 3,501 |
| Tier 1 risk-based capital ratio | 17.1770% | 2,229 |
| Total risk-based capital ratio | 17.9925% | 2,329 |
| Memoranda: | ||
| Average total assets | $112,226,600 | 4,216 |
| Average earning assets | $103,879,400 | 4,191 |
| Average equity | $10,883,600 | 4,500 |
| Average total loans | $59,514,600 | 4,388 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 2,654 |
| Cost of funding earning assets | 0.4947% | 2,263 |
| Net interest margin | 3.6831% | 2,835 |
| Noninterest income to average assets | 0.5260% | 3,195 |
| Noninterest expense to average assets | 3.2168% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6853% | 3,965 |
| Return on assets (ROA) | 0.7115% | 3,956 |
| Pretax return on assets | 0.7361% | 4,548 |
| Return on Equity (ROE) | 7.4094% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.4094% | 1,497 |
| Net charge-offs to loans | 0.0360% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 37.7548% | 1,299 |
| Efficiency ratio | 81.9378% | 1,407 |
| Assets per employee ($millions) | 3.1852% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 5,228 |
| Loan loss allowance to noncurrent loans | 52.9412% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 3.2817% | 421 |
| Noncurrent loans to loans | 1.6845% | 1,446 |
| Net loans and leases to total assets | 56.3391% | 4,315 |
| Net loans and leases to deposits | 62.9857% | 4,644 |
| Net loans and leases to core deposits | 68.6295% | 4,487 |
| Total domestic deposits to total assets | 89.4474% | 801 |
| Equity capital to assets | 10.0068% | 4,138 |
| Core capital (leverage) ratio | 9.5674% | 4,212 |
| Tier 1 risk-based capital ratio | 16.5723% | 2,537 |
| Total risk-based capital ratio | 17.4236% | 2,679 |
| Memoranda: | ||
| Average total assets | $113,566,000 | 4,231 |
| Average earning assets | $104,836,000 | 4,216 |
| Average equity | $10,904,750 | 4,555 |
| Average total loans | $59,173,500 | 4,448 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 2,987 |
| Cost of funding earning assets | 0.4940% | 2,306 |
| Net interest margin | 3.5820% | 3,159 |
| Noninterest income to average assets | 0.5185% | 3,239 |
| Noninterest expense to average assets | 3.2015% | 1,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6017% | 4,339 |
| Return on assets (ROA) | 0.6399% | 4,281 |
| Pretax return on assets | 0.6642% | 4,778 |
| Return on Equity (ROE) | 6.7537% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.7537% | 1,817 |
| Net charge-offs to loans | 0.0274% | 3,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,033 |
| Efficiency ratio | 83.6809% | 1,299 |
| Assets per employee ($millions) | 3.2859% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 5,267 |
| Loan loss allowance to noncurrent loans | 45.3953% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 3.4899% | 416 |
| Noncurrent loans to loans | 2.0059% | 1,214 |
| Net loans and leases to total assets | 54.2543% | 4,527 |
| Net loans and leases to deposits | 60.0632% | 4,843 |
| Net loans and leases to core deposits | 65.2058% | 4,715 |
| Total domestic deposits to total assets | 90.3287% | 525 |
| Equity capital to assets | 9.3052% | 4,892 |
| Core capital (leverage) ratio | 8.9108% | 5,079 |
| Tier 1 risk-based capital ratio | 15.9239% | 2,891 |
| Total risk-based capital ratio | 16.7726% | 3,040 |
| Memoranda: | ||
| Average total assets | $115,322,670 | 4,230 |
| Average earning assets | $106,478,000 | 4,213 |
| Average equity | $10,927,330 | 4,572 |
| Average total loans | $58,377,330 | 4,501 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 3,331 |
| Cost of funding earning assets | 0.4905% | 2,376 |
| Net interest margin | 3.4817% | 3,504 |
| Noninterest income to average assets | 0.4986% | 3,294 |
| Noninterest expense to average assets | 3.1044% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5703% | 4,402 |
| Return on assets (ROA) | 0.5703% | 4,508 |
| Pretax return on assets | 0.5942% | 4,930 |
| Return on Equity (ROE) | 5.9680% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.9680% | 2,521 |
| Net charge-offs to loans | -0.0281% | 5,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9335% | 1,390 |
| Assets per employee ($millions) | 3.4393% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 5,051 |
| Loan loss allowance to noncurrent loans | 50.7583% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 3.2715% | 535 |
| Noncurrent loans to loans | 1.9626% | 1,344 |
| Net loans and leases to total assets | 46.9778% | 5,122 |
| Net loans and leases to deposits | 51.6259% | 5,354 |
| Net loans and leases to core deposits | 55.8057% | 5,261 |
| Total domestic deposits to total assets | 90.9964% | 366 |
| Equity capital to assets | 8.6838% | 5,587 |
| Core capital (leverage) ratio | 8.4843% | 5,532 |
| Tier 1 risk-based capital ratio | 16.6256% | 2,626 |
| Total risk-based capital ratio | 17.5486% | 2,720 |
| Memoranda: | ||
| Average total assets | $117,123,000 | 4,236 |
| Average earning assets | $107,649,000 | 4,223 |
| Average equity | $11,193,000 | 4,561 |
| Average total loans | $56,980,500 | 4,578 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 4,180 |
| Cost of funding earning assets | 0.5514% | 2,193 |
| Net interest margin | 3.3338% | 4,462 |
| Noninterest income to average assets | 0.6213% | 2,729 |
| Noninterest expense to average assets | 3.2327% | 2,121 |
| Loan and lease loss provision to assets | 0.0217% | 4,182 |
| Net operating income to assets | 0.4006% | 5,226 |
| Return on assets (ROA) | 0.4006% | 5,287 |
| Pretax return on assets | 0.4249% | 5,431 |
| Return on Equity (ROE) | 3.9997% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.9997% | 3,361 |
| Net charge-offs to loans | -0.0037% | 5,431 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8602% | 1,005 |
| Assets per employee ($millions) | 3.3492% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 5,093 |
| Loan loss allowance to noncurrent loans | 52.8037% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 5.0039% | 279 |
| Noncurrent loans to loans | 1.8824% | 1,502 |
| Net loans and leases to total assets | 49.4222% | 5,027 |
| Net loans and leases to deposits | 55.3258% | 5,219 |
| Net loans and leases to core deposits | 60.3524% | 5,115 |
| Total domestic deposits to total assets | 89.3292% | 1,056 |
| Equity capital to assets | 10.4793% | 3,515 |
| Core capital (leverage) ratio | 10.8156% | 2,602 |
| Tier 1 risk-based capital ratio | 16.8146% | 2,590 |
| Total risk-based capital ratio | 17.6043% | 2,729 |
| Memoranda: | ||
| Average total assets | $115,073,200 | 4,274 |
| Average earning assets | $105,553,800 | 4,281 |
| Average equity | $11,526,000 | 4,451 |
| Average total loans | $54,604,400 | 4,669 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8007% | 4,542 |
| Cost of funding earning assets | 0.5715% | 2,092 |
| Net interest margin | 3.2292% | 4,863 |
| Noninterest income to average assets | 0.5420% | 3,248 |
| Noninterest expense to average assets | 3.2254% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2635% | 5,700 |
| Return on assets (ROA) | 0.2635% | 5,766 |
| Pretax return on assets | 0.2878% | 5,796 |
| Return on Equity (ROE) | 2.6609% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.6609% | 4,702 |
| Net charge-offs to loans | -0.0642% | 6,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8092% | 724 |
| Assets per employee ($millions) | 3.3502% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 5,273 |
| Loan loss allowance to noncurrent loans | 55.6762% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 5.0207% | 339 |
| Noncurrent loans to loans | 1.7708% | 1,833 |
| Net loans and leases to total assets | 49.7261% | 5,039 |
| Net loans and leases to deposits | 55.6252% | 5,269 |
| Net loans and leases to core deposits | 60.8674% | 5,128 |
| Total domestic deposits to total assets | 89.3950% | 1,029 |
| Equity capital to assets | 10.2398% | 3,874 |
| Core capital (leverage) ratio | 10.2028% | 3,409 |
| Tier 1 risk-based capital ratio | 16.4517% | 2,831 |
| Total risk-based capital ratio | 17.2383% | 3,014 |
| Memoranda: | ||
| Average total assets | $115,373,500 | 4,311 |
| Average earning assets | $106,154,500 | 4,297 |
| Average equity | $11,424,250 | 4,501 |
| Average total loans | $54,044,750 | 4,727 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 4,793 |
| Cost of funding earning assets | 0.5902% | 1,975 |
| Net interest margin | 3.1316% | 5,152 |
| Noninterest income to average assets | 0.4695% | 3,721 |
| Noninterest expense to average assets | 3.1020% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2192% | 5,782 |
| Return on assets (ROA) | 0.2192% | 5,843 |
| Pretax return on assets | 0.2434% | 5,885 |
| Return on Equity (ROE) | 2.2390% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.2390% | 4,768 |
| Net charge-offs to loans | -0.0113% | 5,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7245% | 718 |
| Assets per employee ($millions) | 3.3276% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 5,321 |
| Loan loss allowance to noncurrent loans | 46.9618% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 5.3621% | 318 |
| Noncurrent loans to loans | 2.1420% | 1,553 |
| Net loans and leases to total assets | 45.7133% | 5,394 |
| Net loans and leases to deposits | 50.9254% | 5,567 |
| Net loans and leases to core deposits | 55.5840% | 5,440 |
| Total domestic deposits to total assets | 89.7652% | 925 |
| Equity capital to assets | 9.9549% | 4,172 |
| Core capital (leverage) ratio | 9.9118% | 3,729 |
| Tier 1 risk-based capital ratio | 17.3218% | 2,493 |
| Total risk-based capital ratio | 18.1230% | 2,644 |
| Memoranda: | ||
| Average total assets | $115,862,000 | 4,334 |
| Average earning assets | $106,398,670 | 4,318 |
| Average equity | $11,344,330 | 4,530 |
| Average total loans | $52,991,000 | 4,795 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 4,900 |
| Cost of funding earning assets | 0.5953% | 2,012 |
| Net interest margin | 3.0896% | 5,290 |
| Noninterest income to average assets | 0.4742% | 3,605 |
| Noninterest expense to average assets | 3.1983% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0900% | 6,052 |
| Return on assets (ROA) | 0.0900% | 6,078 |
| Pretax return on assets | 0.1142% | 6,051 |
| Return on Equity (ROE) | 0.9270% | 6,054 |
| Retained earnings to average equity (ytd only) | 0.9270% | 5,227 |
| Net charge-offs to loans | -0.0380% | 5,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5517% | 613 |
| Assets per employee ($millions) | 3.4370% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,358 |
| Loan loss allowance to noncurrent loans | 54.4634% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 5.0517% | 398 |
| Noncurrent loans to loans | 1.9076% | 1,981 |
| Net loans and leases to total assets | 42.9960% | 5,592 |
| Net loans and leases to deposits | 47.5626% | 5,758 |
| Net loans and leases to core deposits | 51.8589% | 5,626 |
| Total domestic deposits to total assets | 90.3986% | 859 |
| Equity capital to assets | 9.3994% | 4,627 |
| Core capital (leverage) ratio | 9.7152% | 3,977 |
| Tier 1 risk-based capital ratio | 17.3638% | 2,529 |
| Total risk-based capital ratio | 18.1771% | 2,678 |
| Memoranda: | ||
| Average total assets | $115,560,500 | 4,376 |
| Average earning assets | $106,162,500 | 4,358 |
| Average equity | $11,219,500 | 4,568 |
| Average total loans | $52,596,000 | 4,839 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 3,685 |
| Cost of funding earning assets | 0.6167% | 2,514 |
| Net interest margin | 3.4964% | 3,928 |
| Noninterest income to average assets | 0.5649% | 3,298 |
| Noninterest expense to average assets | 3.4152% | 1,849 |
| Loan and lease loss provision to assets | 0.0284% | 4,545 |
| Net operating income to assets | 0.3134% | 5,475 |
| Return on assets (ROA) | 0.3899% | 5,288 |
| Pretax return on assets | 0.4164% | 5,453 |
| Return on Equity (ROE) | 3.7292% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.7292% | 3,566 |
| Net charge-offs to loans | 0.7012% | 920 |
| Credit loss provision to net charge-offs | 7.6923% | 4,612 |
| Earnings coverage of net charge-offs (x) | 0.9846% | 4,753 |
| Efficiency ratio | 90.3832% | 992 |
| Assets per employee ($millions) | 3.1665% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 5,480 |
| Loan loss allowance to noncurrent loans | 52.3856% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 6.1015% | 314 |
| Noncurrent loans to loans | 1.9404% | 2,061 |
| Net loans and leases to total assets | 47.2714% | 5,367 |
| Net loans and leases to deposits | 52.7089% | 5,571 |
| Net loans and leases to core deposits | 57.2839% | 5,443 |
| Total domestic deposits to total assets | 89.6838% | 1,229 |
| Equity capital to assets | 10.0446% | 3,700 |
| Core capital (leverage) ratio | 10.4791% | 2,940 |
| Tier 1 risk-based capital ratio | 17.4857% | 2,423 |
| Total risk-based capital ratio | 18.2989% | 2,557 |
| Memoranda: | ||
| Average total assets | $105,675,200 | 4,600 |
| Average earning assets | $97,128,400 | 4,590 |
| Average equity | $11,047,800 | 4,622 |
| Average total loans | $55,621,400 | 4,763 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 3,520 |
| Cost of funding earning assets | 0.6224% | 2,628 |
| Net interest margin | 3.5402% | 3,713 |
| Noninterest income to average assets | 0.5492% | 3,466 |
| Noninterest expense to average assets | 3.4652% | 1,686 |
| Loan and lease loss provision to assets | 0.0383% | 4,245 |
| Net operating income to assets | 0.2876% | 5,657 |
| Return on assets (ROA) | 0.3908% | 5,417 |
| Pretax return on assets | 0.4177% | 5,581 |
| Return on Equity (ROE) | 3.7000% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.7000% | 4,065 |
| Net charge-offs to loans | 0.5803% | 1,083 |
| Credit loss provision to net charge-offs | 12.2449% | 4,191 |
| Earnings coverage of net charge-offs (x) | 1.1061% | 4,476 |
| Efficiency ratio | 90.9182% | 925 |
| Assets per employee ($millions) | 3.1921% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 4,759 |
| Loan loss allowance to noncurrent loans | 30.4232% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 6.5627% | 326 |
| Noncurrent loans to loans | 4.0321% | 860 |
| Net loans and leases to total assets | 49.2244% | 5,222 |
| Net loans and leases to deposits | 54.8447% | 5,468 |
| Net loans and leases to core deposits | 59.7707% | 5,317 |
| Total domestic deposits to total assets | 89.7523% | 1,136 |
| Equity capital to assets | 9.8959% | 4,060 |
| Core capital (leverage) ratio | 10.7113% | 2,776 |
| Tier 1 risk-based capital ratio | 16.8230% | 2,791 |
| Total risk-based capital ratio | 17.8254% | 2,874 |
| Memoranda: | ||
| Average total assets | $104,387,500 | 4,683 |
| Average earning assets | $96,189,000 | 4,662 |
| Average equity | $11,026,750 | 4,680 |
| Average total loans | $56,295,000 | 4,781 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 3,164 |
| Cost of funding earning assets | 0.6372% | 2,616 |
| Net interest margin | 3.6103% | 3,314 |
| Noninterest income to average assets | 0.5513% | 3,491 |
| Noninterest expense to average assets | 3.5177% | 1,567 |
| Loan and lease loss provision to assets | 0.0589% | 3,830 |
| Net operating income to assets | 0.2809% | 5,660 |
| Return on assets (ROA) | 0.4395% | 5,228 |
| Pretax return on assets | 0.4669% | 5,472 |
| Return on Equity (ROE) | 4.0664% | 5,193 |
| Retained earnings to average equity (ytd only) | 4.0664% | 3,707 |
| Net charge-offs to loans | 0.7115% | 920 |
| Credit loss provision to net charge-offs | 14.9254% | 3,829 |
| Earnings coverage of net charge-offs (x) | 0.9055% | 4,224 |
| Efficiency ratio | 90.7848% | 999 |
| Assets per employee ($millions) | 2.9416% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 4,496 |
| Loan loss allowance to noncurrent loans | 105.2098% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 5.5529% | 522 |
| Noncurrent loans to loans | 1.2382% | 3,479 |
| Net loans and leases to total assets | 53.5005% | 4,656 |
| Net loans and leases to deposits | 60.1772% | 4,961 |
| Net loans and leases to core deposits | 66.1431% | 4,673 |
| Total domestic deposits to total assets | 88.9050% | 1,684 |
| Equity capital to assets | 10.7939% | 2,948 |
| Core capital (leverage) ratio | 10.9303% | 2,426 |
| Tier 1 risk-based capital ratio | 16.9876% | 2,722 |
| Total risk-based capital ratio | 18.0728% | 2,748 |
| Memoranda: | ||
| Average total assets | $101,942,330 | 4,769 |
| Average earning assets | $93,842,670 | 4,760 |
| Average equity | $11,017,000 | 4,714 |
| Average total loans | $56,500,670 | 4,808 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 3,238 |
| Cost of funding earning assets | 0.6333% | 2,812 |
| Net interest margin | 3.5817% | 3,338 |
| Noninterest income to average assets | 0.5402% | 3,494 |
| Noninterest expense to average assets | 3.6200% | 1,384 |
| Loan and lease loss provision to assets | 0.0394% | 3,938 |
| Net operating income to assets | 0.1707% | 5,979 |
| Return on assets (ROA) | 0.4929% | 4,857 |
| Pretax return on assets | 0.5205% | 5,199 |
| Return on Equity (ROE) | 4.5583% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.5583% | 3,497 |
| Net charge-offs to loans | 1.2314% | 468 |
| Credit loss provision to net charge-offs | 5.7143% | 3,187 |
| Earnings coverage of net charge-offs (x) | 0.3200% | 3,704 |
| Efficiency ratio | 94.2505% | 817 |
| Assets per employee ($millions) | 2.9143% | 6,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,654 |
| Loan loss allowance to noncurrent loans | 83.2955% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 5.0423% | 725 |
| Noncurrent loans to loans | 1.5710% | 3,177 |
| Net loans and leases to total assets | 52.6941% | 4,597 |
| Net loans and leases to deposits | 59.0422% | 4,902 |
| Net loans and leases to core deposits | 64.7463% | 4,674 |
| Total domestic deposits to total assets | 89.2482% | 1,529 |
| Equity capital to assets | 10.5383% | 3,504 |
| Core capital (leverage) ratio | 10.8758% | 2,371 |
| Tier 1 risk-based capital ratio | 16.9767% | 2,761 |
| Total risk-based capital ratio | 18.0798% | 2,807 |
| Memoranda: | ||
| Average total assets | $101,435,500 | 4,826 |
| Average earning assets | $93,474,500 | 4,812 |
| Average equity | $10,969,000 | 4,777 |
| Average total loans | $56,846,500 | 4,824 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 2,445 |
| Cost of funding earning assets | 0.7426% | 3,135 |
| Net interest margin | 3.9922% | 2,419 |
| Noninterest income to average assets | 0.7764% | 2,360 |
| Noninterest expense to average assets | 3.9101% | 1,089 |
| Loan and lease loss provision to assets | 0.1251% | 4,054 |
| Net operating income to assets | 0.3333% | 5,355 |
| Return on assets (ROA) | 0.3314% | 5,572 |
| Pretax return on assets | 0.3637% | 5,671 |
| Return on Equity (ROE) | 2.9900% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.9900% | 4,124 |
| Net charge-offs to loans | 0.4089% | 2,621 |
| Credit loss provision to net charge-offs | 50.8475% | 4,680 |
| Earnings coverage of net charge-offs (x) | 1.9958% | 4,418 |
| Efficiency ratio | 88.8468% | 1,160 |
| Assets per employee ($millions) | 2.7211% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 3,491 |
| Loan loss allowance to noncurrent loans | 142.3138% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 5.0420% | 765 |
| Noncurrent loans to loans | 1.0940% | 4,019 |
| Net loans and leases to total assets | 57.9626% | 3,989 |
| Net loans and leases to deposits | 65.3285% | 4,382 |
| Net loans and leases to core deposits | 72.7255% | 3,947 |
| Total domestic deposits to total assets | 88.7248% | 1,750 |
| Equity capital to assets | 11.1088% | 2,825 |
| Core capital (leverage) ratio | 11.7115% | 1,725 |
| Tier 1 risk-based capital ratio | 16.5950% | 2,842 |
| Total risk-based capital ratio | 17.8460% | 2,814 |
| Memoranda: | ||
| Average total assets | $95,957,000 | 4,940 |
| Average earning assets | $87,120,600 | 4,934 |
| Average equity | $10,635,400 | 4,833 |
| Average total loans | $57,720,800 | 4,810 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 2,409 |
| Cost of funding earning assets | 0.7786% | 3,127 |
| Net interest margin | 4.0164% | 2,442 |
| Noninterest income to average assets | 0.7459% | 2,505 |
| Noninterest expense to average assets | 3.9640% | 986 |
| Loan and lease loss provision to assets | 0.1257% | 3,982 |
| Net operating income to assets | 0.2623% | 5,743 |
| Return on assets (ROA) | 0.2598% | 5,941 |
| Pretax return on assets | 0.2919% | 5,973 |
| Return on Equity (ROE) | 2.3453% | 5,930 |
| Retained earnings to average equity (ytd only) | 2.3453% | 5,161 |
| Net charge-offs to loans | 0.2148% | 3,440 |
| Credit loss provision to net charge-offs | 96.7742% | 3,089 |
| Earnings coverage of net charge-offs (x) | 3.2365% | 3,735 |
| Efficiency ratio | 90.4110% | 1,009 |
| Assets per employee ($millions) | 2.6625% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 3,108 |
| Loan loss allowance to noncurrent loans | 210.6250% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 4.9630% | 904 |
| Noncurrent loans to loans | 0.8127% | 4,786 |
| Net loans and leases to total assets | 60.5623% | 3,663 |
| Net loans and leases to deposits | 68.6792% | 4,071 |
| Net loans and leases to core deposits | 77.6783% | 3,505 |
| Total domestic deposits to total assets | 88.1815% | 1,932 |
| Equity capital to assets | 11.4126% | 2,834 |
| Core capital (leverage) ratio | 11.6588% | 1,863 |
| Tier 1 risk-based capital ratio | 16.2227% | 3,150 |
| Total risk-based capital ratio | 17.4751% | 3,113 |
| Memoranda: | ||
| Average total assets | $95,456,750 | 5,003 |
| Average earning assets | $86,475,750 | 5,001 |
| Average equity | $10,573,750 | 4,896 |
| Average total loans | $57,731,750 | 4,849 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 2,651 |
| Cost of funding earning assets | 0.8088% | 3,123 |
| Net interest margin | 3.9581% | 2,687 |
| Noninterest income to average assets | 0.7385% | 2,478 |
| Noninterest expense to average assets | 3.9402% | 1,020 |
| Loan and lease loss provision to assets | 0.1259% | 3,947 |
| Net operating income to assets | 0.2119% | 5,882 |
| Return on assets (ROA) | 0.2119% | 6,069 |
| Pretax return on assets | 0.2455% | 6,065 |
| Return on Equity (ROE) | 1.9326% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.9326% | 5,231 |
| Net charge-offs to loans | 0.1676% | 3,599 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 3.6875% | 3,302 |
| Efficiency ratio | 91.3869% | 968 |
| Assets per employee ($millions) | 2.7421% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 3,005 |
| Loan loss allowance to noncurrent loans | 107.7731% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 5.5109% | 809 |
| Noncurrent loans to loans | 1.6287% | 3,463 |
| Net loans and leases to total assets | 59.8345% | 3,856 |
| Net loans and leases to deposits | 67.4715% | 4,291 |
| Net loans and leases to core deposits | 76.2343% | 3,745 |
| Total domestic deposits to total assets | 88.6812% | 1,720 |
| Equity capital to assets | 10.9968% | 3,123 |
| Core capital (leverage) ratio | 11.4250% | 1,944 |
| Tier 1 risk-based capital ratio | 16.1968% | 3,070 |
| Total risk-based capital ratio | 17.4643% | 3,021 |
| Memoranda: | ||
| Average total assets | $95,325,670 | 5,026 |
| Average earning assets | $86,050,330 | 5,045 |
| Average equity | $10,452,000 | 4,922 |
| Average total loans | $57,289,000 | 4,902 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 2,783 |
| Cost of funding earning assets | 0.8316% | 3,211 |
| Net interest margin | 3.9340% | 2,793 |
| Noninterest income to average assets | 0.8379% | 1,998 |
| Noninterest expense to average assets | 4.0294% | 904 |
| Loan and lease loss provision to assets | 0.1263% | 3,766 |
| Net operating income to assets | 0.2274% | 5,896 |
| Return on assets (ROA) | 0.2274% | 6,041 |
| Pretax return on assets | 0.2274% | 6,142 |
| Return on Equity (ROE) | 2.0767% | 6,053 |
| Retained earnings to average equity (ytd only) | 2.0767% | 5,229 |
| Net charge-offs to loans | -0.0564% | 6,575 |
| Credit loss provision to net charge-offs | -375.0000% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9308% | 949 |
| Assets per employee ($millions) | 2.8289% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 2,730 |
| Loan loss allowance to noncurrent loans | 77.2394% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 6.1933% | 740 |
| Noncurrent loans to loans | 2.4385% | 2,673 |
| Net loans and leases to total assets | 55.3504% | 4,496 |
| Net loans and leases to deposits | 62.0653% | 4,912 |
| Net loans and leases to core deposits | 69.2613% | 4,528 |
| Total domestic deposits to total assets | 89.1810% | 1,578 |
| Equity capital to assets | 10.5806% | 3,398 |
| Core capital (leverage) ratio | 11.2439% | 2,080 |
| Tier 1 risk-based capital ratio | 15.2932% | 3,561 |
| Total risk-based capital ratio | 16.5457% | 3,515 |
| Memoranda: | ||
| Average total assets | $95,002,000 | 5,066 |
| Average earning assets | $85,613,000 | 5,095 |
| Average equity | $10,401,000 | 4,941 |
| Average total loans | $56,708,000 | 4,955 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 3,048 |
| Cost of funding earning assets | 0.9558% | 3,684 |
| Net interest margin | 4.0096% | 2,836 |
| Noninterest income to average assets | 0.2814% | 5,516 |
| Noninterest expense to average assets | 4.1760% | 837 |
| Loan and lease loss provision to assets | 0.7406% | 1,368 |
| Net operating income to assets | -1.4006% | 6,883 |
| Return on assets (ROA) | -2.6254% | 7,137 |
| Pretax return on assets | -2.2540% | 7,078 |
| Return on Equity (ROE) | -22.3912% | 7,013 |
| Retained earnings to average equity (ytd only) | -22.3912% | 6,999 |
| Net charge-offs to loans | 1.6700% | 929 |
| Credit loss provision to net charge-offs | 70.4724% | 4,829 |
| Earnings coverage of net charge-offs (x) | -0.2746% | 5,996 |
| Efficiency ratio | 107.4242% | 491 |
| Assets per employee ($millions) | 2.5998% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 2,986 |
| Loan loss allowance to noncurrent loans | 78.2407% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 6.7247% | 696 |
| Noncurrent loans to loans | 2.2515% | 2,895 |
| Net loans and leases to total assets | 62.1443% | 3,578 |
| Net loans and leases to deposits | 70.2700% | 4,051 |
| Net loans and leases to core deposits | 79.3030% | 3,533 |
| Total domestic deposits to total assets | 88.4365% | 1,888 |
| Equity capital to assets | 11.3481% | 2,639 |
| Core capital (leverage) ratio | 11.9532% | 1,622 |
| Tier 1 risk-based capital ratio | 15.1960% | 3,514 |
| Total risk-based capital ratio | 16.4482% | 3,478 |
| Memoranda: | ||
| Average total assets | $96,672,600 | 4,989 |
| Average earning assets | $86,941,200 | 5,027 |
| Average equity | $11,334,800 | 4,702 |
| Average total loans | $60,839,800 | 4,835 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9468% | 3,346 |
| Cost of funding earning assets | 0.9848% | 3,785 |
| Net interest margin | 3.9620% | 3,092 |
| Noninterest income to average assets | 0.5138% | 3,768 |
| Noninterest expense to average assets | 4.0926% | 904 |
| Loan and lease loss provision to assets | 0.9487% | 930 |
| Net operating income to assets | -0.9963% | 6,884 |
| Return on assets (ROA) | -2.6056% | 7,238 |
| Pretax return on assets | -2.5717% | 7,221 |
| Return on Equity (ROE) | -22.0587% | 7,123 |
| Retained earnings to average equity (ytd only) | -22.0587% | 7,111 |
| Net charge-offs to loans | 2.0607% | 605 |
| Credit loss provision to net charge-offs | 73.2424% | 4,375 |
| Earnings coverage of net charge-offs (x) | -0.0105% | 5,609 |
| Efficiency ratio | 100.3332% | 649 |
| Assets per employee ($millions) | 2.6836% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 2,975 |
| Loan loss allowance to noncurrent loans | 64.9295% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 7.1056% | 690 |
| Noncurrent loans to loans | 2.7587% | 2,529 |
| Net loans and leases to total assets | 61.8189% | 3,771 |
| Net loans and leases to deposits | 70.1790% | 4,268 |
| Net loans and leases to core deposits | 78.9278% | 3,785 |
| Total domestic deposits to total assets | 88.0874% | 1,993 |
| Equity capital to assets | 11.5229% | 2,657 |
| Core capital (leverage) ratio | 11.7325% | 1,868 |
| Tier 1 risk-based capital ratio | 14.6463% | 3,872 |
| Total risk-based capital ratio | 15.8983% | 3,846 |
| Memoranda: | ||
| Average total assets | $98,092,500 | 4,980 |
| Average earning assets | $88,270,250 | 5,015 |
| Average equity | $11,587,000 | 4,665 |
| Average total loans | $61,659,500 | 4,845 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 3,543 |
| Cost of funding earning assets | 1.0182% | 3,828 |
| Net interest margin | 3.8993% | 3,311 |
| Noninterest income to average assets | 0.3860% | 4,787 |
| Noninterest expense to average assets | 4.0249% | 1,010 |
| Loan and lease loss provision to assets | 1.1681% | 679 |
| Net operating income to assets | -1.3148% | 7,039 |
| Return on assets (ROA) | -3.1363% | 7,325 |
| Pretax return on assets | -3.1021% | 7,316 |
| Return on Equity (ROE) | -26.3476% | 7,208 |
| Retained earnings to average equity (ytd only) | -26.3476% | 7,199 |
| Net charge-offs to loans | 2.5630% | 452 |
| Credit loss provision to net charge-offs | 72.5343% | 4,002 |
| Earnings coverage of net charge-offs (x) | -0.0699% | 5,322 |
| Efficiency ratio | 102.8777% | 636 |
| Assets per employee ($millions) | 2.7676% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 3,027 |
| Loan loss allowance to noncurrent loans | 93.0272% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 6.9003% | 747 |
| Noncurrent loans to loans | 1.9249% | 3,573 |
| Net loans and leases to total assets | 61.9423% | 3,894 |
| Net loans and leases to deposits | 70.4072% | 4,383 |
| Net loans and leases to core deposits | 78.8864% | 3,950 |
| Total domestic deposits to total assets | 87.9772% | 2,151 |
| Equity capital to assets | 11.7358% | 2,299 |
| Core capital (leverage) ratio | 11.5700% | 1,866 |
| Tier 1 risk-based capital ratio | 14.6054% | 3,725 |
| Total risk-based capital ratio | 15.8571% | 3,693 |
| Memoranda: | ||
| Average total assets | $99,481,330 | 4,973 |
| Average earning assets | $89,966,000 | 4,993 |
| Average equity | $11,841,670 | 4,594 |
| Average total loans | $62,505,000 | 4,852 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 3,517 |
| Cost of funding earning assets | 1.0332% | 3,967 |
| Net interest margin | 3.8812% | 3,233 |
| Noninterest income to average assets | 0.7858% | 2,090 |
| Noninterest expense to average assets | 3.7583% | 1,421 |
| Loan and lease loss provision to assets | 0.1508% | 4,135 |
| Net operating income to assets | 0.3294% | 5,272 |
| Return on assets (ROA) | -2.6392% | 7,360 |
| Pretax return on assets | -2.6035% | 7,337 |
| Return on Equity (ROE) | -22.0226% | 7,245 |
| Retained earnings to average equity (ytd only) | -22.0226% | 7,194 |
| Net charge-offs to loans | 0.4303% | 2,406 |
| Credit loss provision to net charge-offs | 55.8824% | 3,628 |
| Earnings coverage of net charge-offs (x) | 1.9118% | 3,354 |
| Efficiency ratio | 87.9294% | 1,523 |
| Assets per employee ($millions) | 2.8872% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 2,208 |
| Loan loss allowance to noncurrent loans | 48.3616% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 7.4792% | 677 |
| Noncurrent loans to loans | 4.3234% | 1,637 |
| Net loans and leases to total assets | 59.4995% | 4,361 |
| Net loans and leases to deposits | 67.6287% | 4,723 |
| Net loans and leases to core deposits | 75.3865% | 4,369 |
| Total domestic deposits to total assets | 87.9796% | 2,382 |
| Equity capital to assets | 11.8176% | 2,031 |
| Core capital (leverage) ratio | 12.1577% | 1,477 |
| Tier 1 risk-based capital ratio | 15.5285% | 3,151 |
| Total risk-based capital ratio | 16.7839% | 3,097 |
| Memoranda: | ||
| Average total assets | $100,789,000 | 4,988 |
| Average earning assets | $90,591,000 | 5,020 |
| Average equity | $12,078,500 | 4,530 |
| Average total loans | $63,210,000 | 4,862 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 5,208 |
| Cost of funding earning assets | 1.3615% | 3,507 |
| Net interest margin | 3.4948% | 5,266 |
| Noninterest income to average assets | 0.6596% | 3,084 |
| Noninterest expense to average assets | 3.6263% | 1,862 |
| Loan and lease loss provision to assets | 0.1025% | 6,118 |
| Net operating income to assets | 0.0693% | 5,656 |
| Return on assets (ROA) | -0.3910% | 6,332 |
| Pretax return on assets | -0.3625% | 6,212 |
| Return on Equity (ROE) | -3.2333% | 6,295 |
| Retained earnings to average equity (ytd only) | -3.2333% | 6,121 |
| Net charge-offs to loans | 0.8914% | 2,406 |
| Credit loss provision to net charge-offs | 17.9402% | 6,570 |
| Earnings coverage of net charge-offs (x) | 0.3505% | 5,755 |
| Efficiency ratio | 94.7669% | 1,020 |
| Assets per employee ($millions) | 2.9566% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0212% | 2,249 |
| Loan loss allowance to noncurrent loans | 40.6937% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 8.6018% | 542 |
| Noncurrent loans to loans | 4.9669% | 1,360 |
| Net loans and leases to total assets | 63.3633% | 3,995 |
| Net loans and leases to deposits | 74.8106% | 4,062 |
| Net loans and leases to core deposits | 89.0629% | 2,886 |
| Total domestic deposits to total assets | 84.6983% | 3,999 |
| Equity capital to assets | 12.1512% | 1,828 |
| Core capital (leverage) ratio | 13.3991% | 1,002 |
| Tier 1 risk-based capital ratio | 15.6409% | 2,933 |
| Total risk-based capital ratio | 16.8950% | 2,885 |
| Memoranda: | ||
| Average total assets | $105,367,800 | 4,842 |
| Average earning assets | $95,484,000 | 4,845 |
| Average equity | $12,742,400 | 4,414 |
| Average total loans | $67,535,200 | 4,769 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 5,642 |
| Cost of funding earning assets | 1.3873% | 3,651 |
| Net interest margin | 3.4167% | 5,616 |
| Noninterest income to average assets | 0.7268% | 2,664 |
| Noninterest expense to average assets | 3.5316% | 1,958 |
| Loan and lease loss provision to assets | 0.1351% | 5,678 |
| Net operating income to assets | 0.1408% | 5,658 |
| Return on assets (ROA) | 0.1789% | 5,732 |
| Pretax return on assets | 0.2064% | 5,717 |
| Return on Equity (ROE) | 1.4809% | 5,774 |
| Retained earnings to average equity (ytd only) | 1.4809% | 5,207 |
| Net charge-offs to loans | 1.1227% | 1,815 |
| Credit loss provision to net charge-offs | 18.8153% | 6,259 |
| Earnings coverage of net charge-offs (x) | 0.4146% | 5,606 |
| Efficiency ratio | 92.2248% | 1,111 |
| Assets per employee ($millions) | 3.1874% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9939% | 2,238 |
| Loan loss allowance to noncurrent loans | 49.2839% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 8.0137% | 627 |
| Noncurrent loans to loans | 4.0458% | 1,843 |
| Net loans and leases to total assets | 62.7117% | 4,380 |
| Net loans and leases to deposits | 76.6260% | 4,065 |
| Net loans and leases to core deposits | 90.9244% | 2,967 |
| Total domestic deposits to total assets | 81.8412% | 5,058 |
| Equity capital to assets | 12.1617% | 2,052 |
| Core capital (leverage) ratio | 13.2235% | 1,141 |
| Tier 1 risk-based capital ratio | 15.8498% | 2,839 |
| Total risk-based capital ratio | 17.1036% | 2,783 |
| Memoranda: | ||
| Average total assets | $106,578,500 | 4,869 |
| Average earning assets | $96,778,000 | 4,867 |
| Average equity | $12,874,250 | 4,463 |
| Average total loans | $68,166,500 | 4,826 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7126% | 6,104 |
| Cost of funding earning assets | 1.4530% | 3,540 |
| Net interest margin | 3.2595% | 6,135 |
| Noninterest income to average assets | 0.7175% | 2,595 |
| Noninterest expense to average assets | 3.4846% | 2,064 |
| Loan and lease loss provision to assets | 0.1345% | 5,544 |
| Net operating income to assets | 0.0511% | 5,990 |
| Return on assets (ROA) | 0.1233% | 5,904 |
| Pretax return on assets | 0.1476% | 5,890 |
| Return on Equity (ROE) | 1.0231% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.0231% | 5,358 |
| Net charge-offs to loans | 1.3878% | 1,375 |
| Credit loss provision to net charge-offs | 15.1579% | 5,896 |
| Earnings coverage of net charge-offs (x) | 0.2211% | 5,504 |
| Efficiency ratio | 94.6701% | 1,031 |
| Assets per employee ($millions) | 2.8408% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 1,963 |
| Loan loss allowance to noncurrent loans | 42.7702% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 8.7422% | 518 |
| Noncurrent loans to loans | 4.9069% | 1,419 |
| Net loans and leases to total assets | 62.3550% | 4,613 |
| Net loans and leases to deposits | 76.2302% | 4,292 |
| Net loans and leases to core deposits | 90.4514% | 3,192 |
| Total domestic deposits to total assets | 81.7983% | 5,069 |
| Equity capital to assets | 12.2708% | 1,940 |
| Core capital (leverage) ratio | 12.6662% | 1,341 |
| Tier 1 risk-based capital ratio | 15.4779% | 2,905 |
| Total risk-based capital ratio | 16.7315% | 2,871 |
| Memoranda: | ||
| Average total assets | $107,043,670 | 4,886 |
| Average earning assets | $97,314,330 | 4,896 |
| Average equity | $12,901,670 | 4,458 |
| Average total loans | $68,454,000 | 4,843 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 6,520 |
| Cost of funding earning assets | 1.4649% | 3,777 |
| Net interest margin | 3.1489% | 6,457 |
| Noninterest income to average assets | 0.7370% | 2,371 |
| Noninterest expense to average assets | 3.2849% | 2,578 |
| Loan and lease loss provision to assets | 0.1333% | 5,234 |
| Net operating income to assets | 0.1696% | 5,789 |
| Return on assets (ROA) | 0.1370% | 6,022 |
| Pretax return on assets | 0.1555% | 6,003 |
| Return on Equity (ROE) | 1.1470% | 6,082 |
| Retained earnings to average equity (ytd only) | 1.1470% | 5,359 |
| Net charge-offs to loans | 2.3003% | 732 |
| Credit loss provision to net charge-offs | 9.0452% | 5,056 |
| Earnings coverage of net charge-offs (x) | 0.2211% | 4,841 |
| Efficiency ratio | 90.9744% | 1,353 |
| Assets per employee ($millions) | 3.0465% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1444% | 1,864 |
| Loan loss allowance to noncurrent loans | 52.1081% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 6.6838% | 834 |
| Noncurrent loans to loans | 4.1152% | 1,884 |
| Net loans and leases to total assets | 58.5401% | 5,340 |
| Net loans and leases to deposits | 70.4876% | 5,270 |
| Net loans and leases to core deposits | 81.8190% | 4,518 |
| Total domestic deposits to total assets | 83.0502% | 4,595 |
| Equity capital to assets | 11.4566% | 2,396 |
| Core capital (leverage) ratio | 12.5668% | 1,384 |
| Tier 1 risk-based capital ratio | 15.1919% | 3,011 |
| Total risk-based capital ratio | 16.4458% | 2,972 |
| Memoranda: | ||
| Average total assets | $108,010,000 | 4,927 |
| Average earning assets | $98,573,000 | 4,917 |
| Average equity | $12,903,500 | 4,499 |
| Average total loans | $69,207,500 | 4,890 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7039% | 3,090 |
| Cost of funding earning assets | 1.6616% | 4,719 |
| Net interest margin | 4.0423% | 2,688 |
| Noninterest income to average assets | 0.9329% | 1,822 |
| Noninterest expense to average assets | 3.8242% | 1,654 |
| Loan and lease loss provision to assets | 0.6042% | 3,378 |
| Net operating income to assets | 0.2082% | 4,874 |
| Return on assets (ROA) | -0.2803% | 5,944 |
| Pretax return on assets | -0.2881% | 5,819 |
| Return on Equity (ROE) | -2.2025% | 5,887 |
| Retained earnings to average equity (ytd only) | -2.2025% | 5,559 |
| Net charge-offs to loans | 2.0555% | 1,192 |
| Credit loss provision to net charge-offs | 41.7223% | 6,815 |
| Earnings coverage of net charge-offs (x) | 0.5661% | 5,542 |
| Efficiency ratio | 82.3480% | 2,560 |
| Assets per employee ($millions) | 2.7919% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5471% | 1,173 |
| Loan loss allowance to noncurrent loans | 39.9735% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 6.0523% | 931 |
| Noncurrent loans to loans | 6.3720% | 956 |
| Net loans and leases to total assets | 66.9648% | 3,933 |
| Net loans and leases to deposits | 82.1847% | 3,592 |
| Net loans and leases to core deposits | 108.1351% | 3,091 |
| Total domestic deposits to total assets | 81.4809% | 5,165 |
| Equity capital to assets | 12.4812% | 1,761 |
| Core capital (leverage) ratio | 13.6551% | 1,057 |
| Tier 1 risk-based capital ratio | 14.4459% | 3,240 |
| Total risk-based capital ratio | 15.7042% | 3,185 |
| Memoranda: | ||
| Average total assets | $103,446,000 | 5,001 |
| Average earning assets | $94,969,800 | 4,974 |
| Average equity | $13,166,600 | 4,471 |
| Average total loans | $72,877,000 | 4,768 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8369% | 2,717 |
| Cost of funding earning assets | 1.7031% | 4,880 |
| Net interest margin | 4.1338% | 2,271 |
| Noninterest income to average assets | 0.9573% | 1,750 |
| Noninterest expense to average assets | 3.9632% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6337% | 3,482 |
| Return on assets (ROA) | 0.5038% | 4,058 |
| Pretax return on assets | 0.6313% | 4,081 |
| Return on Equity (ROE) | 3.9389% | 4,396 |
| Retained earnings to average equity (ytd only) | 3.9389% | 3,077 |
| Net charge-offs to loans | 1.0434% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.0732% | 4,983 |
| Efficiency ratio | 83.3153% | 2,388 |
| Assets per employee ($millions) | 2.7634% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9386% | 700 |
| Loan loss allowance to noncurrent loans | 166.1672% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 2.7473% | 2,532 |
| Noncurrent loans to loans | 1.7685% | 3,968 |
| Net loans and leases to total assets | 68.0659% | 3,942 |
| Net loans and leases to deposits | 81.4794% | 4,117 |
| Net loans and leases to core deposits | 104.3013% | 3,901 |
| Total domestic deposits to total assets | 83.5376% | 3,936 |
| Equity capital to assets | 13.0402% | 1,680 |
| Core capital (leverage) ratio | 13.6635% | 1,180 |
| Tier 1 risk-based capital ratio | 14.9134% | 3,079 |
| Total risk-based capital ratio | 16.1751% | 3,015 |
| Memoranda: | ||
| Average total assets | $103,482,750 | 5,031 |
| Average earning assets | $95,116,250 | 5,003 |
| Average equity | $13,235,000 | 4,479 |
| Average total loans | $73,350,750 | 4,797 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8922% | 2,622 |
| Cost of funding earning assets | 1.7455% | 5,042 |
| Net interest margin | 4.1466% | 2,174 |
| Noninterest income to average assets | 0.9202% | 1,897 |
| Noninterest expense to average assets | 4.0387% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5690% | 3,813 |
| Return on assets (ROA) | 0.5409% | 4,041 |
| Pretax return on assets | 0.6699% | 4,102 |
| Return on Equity (ROE) | 4.2568% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.2568% | 2,932 |
| Net charge-offs to loans | 0.5386% | 2,711 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.8392% | 4,188 |
| Efficiency ratio | 85.1461% | 2,341 |
| Assets per employee ($millions) | 2.6912% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4238% | 405 |
| Loan loss allowance to noncurrent loans | 150.5155% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 2.4905% | 2,589 |
| Noncurrent loans to loans | 2.2747% | 3,167 |
| Net loans and leases to total assets | 68.4581% | 4,078 |
| Net loans and leases to deposits | 82.1559% | 4,201 |
| Net loans and leases to core deposits | 102.8666% | 4,198 |
| Total domestic deposits to total assets | 83.3270% | 4,098 |
| Equity capital to assets | 12.8477% | 1,767 |
| Core capital (leverage) ratio | 13.2719% | 1,340 |
| Tier 1 risk-based capital ratio | 14.6532% | 3,165 |
| Total risk-based capital ratio | 15.9215% | 3,100 |
| Memoranda: | ||
| Average total assets | $103,895,330 | 5,047 |
| Average earning assets | $95,788,330 | 5,016 |
| Average equity | $13,202,330 | 4,492 |
| Average total loans | $73,900,670 | 4,814 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9226% | 2,685 |
| Cost of funding earning assets | 1.7809% | 5,201 |
| Net interest margin | 4.1417% | 2,119 |
| Noninterest income to average assets | 0.7258% | 2,729 |
| Noninterest expense to average assets | 3.7170% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8137% | 3,074 |
| Return on assets (ROA) | 0.8137% | 3,230 |
| Pretax return on assets | 0.8290% | 3,979 |
| Return on Equity (ROE) | 6.4380% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.4380% | 2,444 |
| Net charge-offs to loans | 0.7989% | 1,617 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.4564% | 4,005 |
| Efficiency ratio | 81.7647% | 2,564 |
| Assets per employee ($millions) | 2.7736% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3351% | 366 |
| Loan loss allowance to noncurrent loans | 134.6809% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 2.4277% | 2,363 |
| Noncurrent loans to loans | 2.4763% | 2,659 |
| Net loans and leases to total assets | 67.8457% | 4,176 |
| Net loans and leases to deposits | 84.1963% | 3,952 |
| Net loans and leases to core deposits | 104.3540% | 4,101 |
| Total domestic deposits to total assets | 80.5804% | 5,140 |
| Equity capital to assets | 12.2512% | 2,107 |
| Core capital (leverage) ratio | 12.9756% | 1,490 |
| Tier 1 risk-based capital ratio | 13.3737% | 3,942 |
| Total risk-based capital ratio | 14.6383% | 3,846 |
| Memoranda: | ||
| Average total assets | $104,709,500 | 5,049 |
| Average earning assets | $96,579,000 | 5,014 |
| Average equity | $13,234,000 | 4,526 |
| Average total loans | $74,605,000 | 4,821 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7730% | 1,780 |
| Cost of funding earning assets | 2.3657% | 4,870 |
| Net interest margin | 4.4072% | 1,668 |
| Noninterest income to average assets | 1.0271% | 1,503 |
| Noninterest expense to average assets | 3.9388% | 1,503 |
| Loan and lease loss provision to assets | 0.2495% | 4,424 |
| Net operating income to assets | 0.4874% | 4,797 |
| Return on assets (ROA) | 0.3583% | 5,122 |
| Pretax return on assets | 0.7077% | 4,371 |
| Return on Equity (ROE) | 2.5812% | 5,389 |
| Retained earnings to average equity (ytd only) | -0.6543% | 5,491 |
| Net charge-offs to loans | 0.6162% | 1,993 |
| Credit loss provision to net charge-offs | 58.0046% | 6,254 |
| Earnings coverage of net charge-offs (x) | 2.6937% | 4,733 |
| Efficiency ratio | 77.2665% | 3,045 |
| Assets per employee ($millions) | 2.6645% | 6,860 |
| Cash dividends to net income (ytd only)* | 125.3482% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6581% | 247 |
| Loan loss allowance to noncurrent loans | 104.1165% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 2.9244% | 1,582 |
| Noncurrent loans to loans | 3.5134% | 1,442 |
| Net loans and leases to total assets | 69.7373% | 4,080 |
| Net loans and leases to deposits | 82.1761% | 4,698 |
| Net loans and leases to core deposits | 103.4200% | 4,450 |
| Total domestic deposits to total assets | 84.8632% | 2,907 |
| Equity capital to assets | 13.0528% | 1,762 |
| Core capital (leverage) ratio | 13.3775% | 1,423 |
| Tier 1 risk-based capital ratio | 16.0783% | 2,637 |
| Total risk-based capital ratio | 17.3517% | 2,563 |
| Memoranda: | ||
| Average total assets | $100,181,600 | 5,041 |
| Average earning assets | $92,529,600 | 5,014 |
| Average equity | $13,908,200 | 4,361 |
| Average total loans | $69,948,800 | 4,869 |