Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6173% | 3,762 |
| Cost of funding earning assets | 0.6750% | 1,849 |
| Net interest margin | 2.9423% | 4,030 |
| Noninterest income to average assets | 0.2989% | 3,688 |
| Noninterest expense to average assets | 2.4798% | 2,905 |
| Loan and lease loss provision to assets | 0.4757% | 557 |
| Net operating income to assets | 0.0106% | 4,726 |
| Return on assets (ROA) | 0.2036% | 4,627 |
| Pretax return on assets | 0.2671% | 4,588 |
| Return on Equity (ROE) | 1.4085% | 4,632 |
| Retained earnings to average equity (ytd only) | -2.0750% | 4,709 |
| Net charge-offs to loans | 1.8663% | 48 |
| Credit loss provision to net charge-offs | 49.8439% | 3,150 |
| Earnings coverage of net charge-offs (x) | 0.5224% | 3,320 |
| Efficiency ratio | 83.2611% | 681 |
| Assets per employee ($millions) | 6.4070% | 1,993 |
| Cash dividends to net income (ytd only)* | 247.3171% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,921 |
| Loan loss allowance to noncurrent loans | 26.2000% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.4387% | 188 |
| Noncurrent loans to loans | 5.3935% | 70 |
| Net loans and leases to total assets | 44.5772% | 4,220 |
| Net loans and leases to deposits | 55.9313% | 4,004 |
| Net loans and leases to core deposits | 58.6423% | 4,018 |
| Total domestic deposits to total assets | 79.6999% | 4,102 |
| Equity capital to assets | 14.1661% | 756 |
| Core capital (leverage) ratio | 12.5579% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2578% | 560 |
| Memoranda: | ||
| Average total assets | $100,692,800 | 3,983 |
| Average earning assets | $91,698,400 | 4,006 |
| Average equity | $14,554,000 | 3,690 |
| Average total loans | $51,491,200 | 4,085 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 3,687 |
| Cost of funding earning assets | 0.7291% | 1,860 |
| Net interest margin | 3.0188% | 3,931 |
| Noninterest income to average assets | 0.2833% | 3,789 |
| Noninterest expense to average assets | 2.5884% | 2,564 |
| Loan and lease loss provision to assets | 0.4519% | 713 |
| Net operating income to assets | -0.0177% | 4,782 |
| Return on assets (ROA) | 0.2408% | 4,572 |
| Pretax return on assets | 0.3126% | 4,529 |
| Return on Equity (ROE) | 1.6572% | 4,602 |
| Retained earnings to average equity (ytd only) | -1.9960% | 4,703 |
| Net charge-offs to loans | 0.0935% | 1,370 |
| Credit loss provision to net charge-offs | 918.9189% | 886 |
| Earnings coverage of net charge-offs (x) | 8.8919% | 2,466 |
| Efficiency ratio | 85.5385% | 527 |
| Assets per employee ($millions) | 6.0209% | 2,244 |
| Cash dividends to net income (ytd only)* | 220.4420% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8764% | 156 |
| Loan loss allowance to noncurrent loans | 43.1484% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 3.2582% | 122 |
| Noncurrent loans to loans | 6.6664% | 60 |
| Net loans and leases to total assets | 47.4696% | 4,239 |
| Net loans and leases to deposits | 59.8021% | 4,066 |
| Net loans and leases to core deposits | 63.6260% | 4,028 |
| Total domestic deposits to total assets | 79.3779% | 3,987 |
| Equity capital to assets | 14.4193% | 755 |
| Core capital (leverage) ratio | 13.0093% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4096% | 549 |
| Memoranda: | ||
| Average total assets | $100,238,000 | 3,989 |
| Average earning assets | $91,072,250 | 4,009 |
| Average equity | $14,562,000 | 3,693 |
| Average total loans | $52,776,000 | 4,071 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 3,592 |
| Cost of funding earning assets | 0.7702% | 1,994 |
| Net interest margin | 3.1383% | 3,815 |
| Noninterest income to average assets | 0.2934% | 3,713 |
| Noninterest expense to average assets | 2.2767% | 3,588 |
| Loan and lease loss provision to assets | 0.6350% | 479 |
| Net operating income to assets | 0.1854% | 4,591 |
| Return on assets (ROA) | 0.5908% | 3,853 |
| Pretax return on assets | 0.7174% | 3,832 |
| Return on Equity (ROE) | 4.0562% | 4,084 |
| Retained earnings to average equity (ytd only) | 1.2831% | 4,015 |
| Net charge-offs to loans | 0.1453% | 993 |
| Credit loss provision to net charge-offs | 810.2564% | 913 |
| Earnings coverage of net charge-offs (x) | 10.9487% | 2,122 |
| Efficiency ratio | 72.6282% | 1,609 |
| Assets per employee ($millions) | 5.3924% | 2,742 |
| Cash dividends to net income (ytd only)* | 68.3673% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6268% | 191 |
| Loan loss allowance to noncurrent loans | 43.7365% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 3.1555% | 142 |
| Noncurrent loans to loans | 6.0061% | 73 |
| Net loans and leases to total assets | 51.1585% | 4,083 |
| Net loans and leases to deposits | 64.5847% | 3,838 |
| Net loans and leases to core deposits | 70.6364% | 3,660 |
| Total domestic deposits to total assets | 79.2116% | 3,997 |
| Equity capital to assets | 14.6229% | 704 |
| Core capital (leverage) ratio | 13.1916% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0312% | 579 |
| Memoranda: | ||
| Average total assets | $99,532,000 | 4,000 |
| Average earning assets | $90,111,667 | 4,024 |
| Average equity | $14,496,333 | 3,707 |
| Average total loans | $53,692,333 | 4,067 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 3,043 |
| Cost of funding earning assets | 0.8714% | 2,009 |
| Net interest margin | 3.3858% | 3,339 |
| Noninterest income to average assets | 0.2692% | 3,924 |
| Noninterest expense to average assets | 2.4554% | 3,406 |
| Loan and lease loss provision to assets | 1.1910% | 152 |
| Net operating income to assets | -0.2063% | 4,854 |
| Return on assets (ROA) | -0.1387% | 4,800 |
| Pretax return on assets | -0.2488% | 4,829 |
| Return on Equity (ROE) | -0.9542% | 4,799 |
| Retained earnings to average equity (ytd only) | -3.9850% | 4,435 |
| Net charge-offs to loans | 0.2835% | 517 |
| Credit loss provision to net charge-offs | 768.4211% | 677 |
| Earnings coverage of net charge-offs (x) | 5.5263% | 2,050 |
| Efficiency ratio | 74.1379% | 1,797 |
| Assets per employee ($millions) | 5.2783% | 2,352 |
| Cash dividends to net income (ytd only)* | -317.6471% | 5,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6009% | 214 |
| Loan loss allowance to noncurrent loans | 41.1591% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 3.4022% | 147 |
| Noncurrent loans to loans | 6.3193% | 73 |
| Net loans and leases to total assets | 51.9778% | 4,115 |
| Net loans and leases to deposits | 66.0053% | 3,863 |
| Net loans and leases to core deposits | 72.0902% | 3,761 |
| Total domestic deposits to total assets | 78.7480% | 4,096 |
| Equity capital to assets | 14.1354% | 1,019 |
| Core capital (leverage) ratio | 13.5000% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3138% | 829 |
| Memoranda: | ||
| Average total assets | $98,070,000 | 4,019 |
| Average earning assets | $88,133,000 | 4,049 |
| Average equity | $14,253,500 | 3,742 |
| Average total loans | $53,624,000 | 4,076 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 3,473 |
| Cost of funding earning assets | 0.9077% | 2,162 |
| Net interest margin | 3.4158% | 3,697 |
| Noninterest income to average assets | 0.2921% | 3,939 |
| Noninterest expense to average assets | 2.3641% | 3,792 |
| Loan and lease loss provision to assets | 0.5862% | 204 |
| Net operating income to assets | 0.4333% | 4,538 |
| Return on assets (ROA) | 0.4416% | 4,551 |
| Pretax return on assets | 0.4658% | 4,624 |
| Return on Equity (ROE) | 3.2293% | 4,621 |
| Retained earnings to average equity (ytd only) | -0.4400% | 4,759 |
| Net charge-offs to loans | 1.1171% | 140 |
| Credit loss provision to net charge-offs | 91.9330% | 2,629 |
| Earnings coverage of net charge-offs (x) | 1.6362% | 3,516 |
| Efficiency ratio | 67.8154% | 2,490 |
| Assets per employee ($millions) | 5.0449% | 2,537 |
| Cash dividends to net income (ytd only)* | 113.6264% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1162% | 388 |
| Loan loss allowance to noncurrent loans | 138.6585% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 1,501 |
| Noncurrent loans to loans | 1.5262% | 939 |
| Net loans and leases to total assets | 54.8673% | 4,012 |
| Net loans and leases to deposits | 72.0863% | 3,517 |
| Net loans and leases to core deposits | 79.7453% | 3,316 |
| Total domestic deposits to total assets | 76.1134% | 4,586 |
| Equity capital to assets | 14.9510% | 808 |
| Core capital (leverage) ratio | 12.9357% | 1,259 |
| Tier 1 risk-based capital ratio | 20.1945% | 1,299 |
| Total risk-based capital ratio | 21.4498% | 1,270 |
| Memoranda: | ||
| Average total assets | $103,042,400 | 3,951 |
| Average earning assets | $93,974,800 | 3,970 |
| Average equity | $14,089,600 | 3,740 |
| Average total loans | $58,814,400 | 4,005 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 3,634 |
| Cost of funding earning assets | 0.9285% | 2,088 |
| Net interest margin | 3.3791% | 3,916 |
| Noninterest income to average assets | 0.2900% | 3,998 |
| Noninterest expense to average assets | 2.3833% | 3,732 |
| Loan and lease loss provision to assets | 0.7325% | 145 |
| Net operating income to assets | 0.2351% | 4,919 |
| Return on assets (ROA) | 0.2162% | 4,954 |
| Pretax return on assets | 0.2315% | 4,963 |
| Return on Equity (ROE) | 1.6156% | 4,949 |
| Retained earnings to average equity (ytd only) | -2.8036% | 4,978 |
| Net charge-offs to loans | 1.4557% | 91 |
| Credit loss provision to net charge-offs | 87.8049% | 2,419 |
| Earnings coverage of net charge-offs (x) | 1.1799% | 3,321 |
| Efficiency ratio | 68.9199% | 2,269 |
| Assets per employee ($millions) | 5.7712% | 1,788 |
| Cash dividends to net income (ytd only)* | 273.5286% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9444% | 517 |
| Loan loss allowance to noncurrent loans | 125.9932% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 1,616 |
| Noncurrent loans to loans | 1.5433% | 967 |
| Net loans and leases to total assets | 53.8847% | 4,190 |
| Net loans and leases to deposits | 71.3361% | 3,659 |
| Net loans and leases to core deposits | 78.5860% | 3,500 |
| Total domestic deposits to total assets | 75.5364% | 4,692 |
| Equity capital to assets | 13.6714% | 1,285 |
| Core capital (leverage) ratio | 12.1633% | 1,750 |
| Tier 1 risk-based capital ratio | 18.8094% | 1,606 |
| Total risk-based capital ratio | 20.0656% | 1,575 |
| Memoranda: | ||
| Average total assets | $104,839,750 | 3,959 |
| Average earning assets | $95,488,000 | 3,991 |
| Average equity | $14,029,250 | 3,779 |
| Average total loans | $60,085,750 | 4,029 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 3,589 |
| Cost of funding earning assets | 0.9100% | 2,091 |
| Net interest margin | 3.4077% | 3,872 |
| Noninterest income to average assets | 0.3100% | 3,853 |
| Noninterest expense to average assets | 2.3317% | 3,925 |
| Loan and lease loss provision to assets | 0.4545% | 263 |
| Net operating income to assets | 0.5140% | 4,502 |
| Return on assets (ROA) | 0.4888% | 4,584 |
| Pretax return on assets | 0.5915% | 4,561 |
| Return on Equity (ROE) | 3.6789% | 4,654 |
| Retained earnings to average equity (ytd only) | -1.9754% | 4,906 |
| Net charge-offs to loans | -0.0065% | 4,197 |
| Credit loss provision to net charge-offs | -11,950.0000% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5737% | 2,741 |
| Assets per employee ($millions) | 5.2165% | 2,242 |
| Cash dividends to net income (ytd only)* | 153.6965% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3947% | 256 |
| Loan loss allowance to noncurrent loans | 106.8708% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2834% | 995 |
| Noncurrent loans to loans | 2.2407% | 592 |
| Net loans and leases to total assets | 55.9068% | 4,082 |
| Net loans and leases to deposits | 74.9531% | 3,429 |
| Net loans and leases to core deposits | 82.9239% | 3,200 |
| Total domestic deposits to total assets | 74.5890% | 4,791 |
| Equity capital to assets | 13.6750% | 1,250 |
| Core capital (leverage) ratio | 12.7315% | 1,429 |
| Tier 1 risk-based capital ratio | 18.2084% | 1,747 |
| Total risk-based capital ratio | 19.4672% | 1,707 |
| Memoranda: | ||
| Average total assets | $105,159,330 | 3,977 |
| Average earning assets | $95,607,330 | 4,008 |
| Average equity | $13,971,670 | 3,794 |
| Average total loans | $61,085,670 | 4,025 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 3,730 |
| Cost of funding earning assets | 0.8961% | 2,025 |
| Net interest margin | 3.3480% | 4,034 |
| Noninterest income to average assets | 0.3220% | 3,709 |
| Noninterest expense to average assets | 2.3187% | 3,971 |
| Loan and lease loss provision to assets | 0.8146% | 117 |
| Net operating income to assets | 0.2387% | 4,977 |
| Return on assets (ROA) | 0.2387% | 4,982 |
| Pretax return on assets | 0.2463% | 5,004 |
| Return on Equity (ROE) | 1.8229% | 4,988 |
| Retained earnings to average equity (ytd only) | -3.4433% | 4,838 |
| Net charge-offs to loans | -0.0065% | 4,090 |
| Credit loss provision to net charge-offs | -21,500.0000% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8161% | 2,822 |
| Assets per employee ($millions) | 5.5447% | 1,944 |
| Cash dividends to net income (ytd only)* | 288.8889% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2706% | 318 |
| Loan loss allowance to noncurrent loans | 131.4019% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 1,380 |
| Noncurrent loans to loans | 1.7280% | 892 |
| Net loans and leases to total assets | 57.4438% | 3,947 |
| Net loans and leases to deposits | 75.7106% | 3,289 |
| Net loans and leases to core deposits | 84.6676% | 2,975 |
| Total domestic deposits to total assets | 75.8728% | 4,773 |
| Equity capital to assets | 13.2397% | 1,325 |
| Core capital (leverage) ratio | 12.4882% | 1,527 |
| Tier 1 risk-based capital ratio | 17.8218% | 1,844 |
| Total risk-based capital ratio | 19.0794% | 1,798 |
| Memoranda: | ||
| Average total assets | $105,574,500 | 4,011 |
| Average earning assets | $96,414,500 | 4,038 |
| Average equity | $13,824,000 | 3,830 |
| Average total loans | $61,749,500 | 4,056 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 3,965 |
| Cost of funding earning assets | 0.8720% | 1,210 |
| Net interest margin | 3.1483% | 4,578 |
| Noninterest income to average assets | 0.3169% | 3,998 |
| Noninterest expense to average assets | 2.2356% | 4,259 |
| Loan and lease loss provision to assets | 1.0146% | 84 |
| Net operating income to assets | -0.0198% | 5,238 |
| Return on assets (ROA) | -0.0429% | 5,240 |
| Pretax return on assets | -0.1105% | 5,252 |
| Return on Equity (ROE) | -0.3289% | 5,243 |
| Retained earnings to average equity (ytd only) | -6.5001% | 5,270 |
| Net charge-offs to loans | 0.7407% | 212 |
| Credit loss provision to net charge-offs | 245.2539% | 1,210 |
| Earnings coverage of net charge-offs (x) | 2.2561% | 3,542 |
| Efficiency ratio | 68.6455% | 2,441 |
| Assets per employee ($millions) | 5.5684% | 1,897 |
| Cash dividends to net income (ytd only)* | -1,876.5957% | 5,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9326% | 542 |
| Loan loss allowance to noncurrent loans | 135.0738% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 1,676 |
| Noncurrent loans to loans | 1.4308% | 1,088 |
| Net loans and leases to total assets | 57.0762% | 4,041 |
| Net loans and leases to deposits | 75.2342% | 3,410 |
| Net loans and leases to core deposits | 83.8694% | 3,106 |
| Total domestic deposits to total assets | 75.8646% | 4,769 |
| Equity capital to assets | 12.9491% | 1,369 |
| Core capital (leverage) ratio | 12.3614% | 1,529 |
| Tier 1 risk-based capital ratio | 18.0078% | 1,753 |
| Total risk-based capital ratio | 19.2619% | 1,712 |
| Memoranda: | ||
| Average total assets | $109,501,400 | 3,954 |
| Average earning assets | $99,197,400 | 3,990 |
| Average equity | $14,292,000 | 3,716 |
| Average total loans | $61,158,400 | 4,067 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,907 |
| Cost of funding earning assets | 0.8403% | 1,151 |
| Net interest margin | 3.1664% | 4,583 |
| Noninterest income to average assets | 0.3212% | 4,000 |
| Noninterest expense to average assets | 2.2192% | 4,278 |
| Loan and lease loss provision to assets | 0.8090% | 113 |
| Net operating income to assets | 0.1582% | 5,226 |
| Return on assets (ROA) | 0.1582% | 5,218 |
| Pretax return on assets | 0.1594% | 5,225 |
| Return on Equity (ROE) | 1.2096% | 5,211 |
| Retained earnings to average equity (ytd only) | -1.6713% | 5,174 |
| Net charge-offs to loans | 0.0371% | 2,335 |
| Credit loss provision to net charge-offs | 3,941.1765% | 105 |
| Earnings coverage of net charge-offs (x) | 47.1685% | 1,218 |
| Efficiency ratio | 67.7652% | 2,579 |
| Assets per employee ($millions) | 5.3182% | 2,105 |
| Cash dividends to net income (ytd only)* | 238.1713% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 597 |
| Loan loss allowance to noncurrent loans | 179.8179% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,327 |
| Noncurrent loans to loans | 1.0561% | 1,615 |
| Net loans and leases to total assets | 57.5524% | 4,087 |
| Net loans and leases to deposits | 79.3475% | 3,109 |
| Net loans and leases to core deposits | 88.3231% | 2,816 |
| Total domestic deposits to total assets | 72.5321% | 5,093 |
| Equity capital to assets | 13.3429% | 1,192 |
| Core capital (leverage) ratio | 13.3209% | 1,169 |
| Tier 1 risk-based capital ratio | 18.6233% | 1,633 |
| Total risk-based capital ratio | 19.8765% | 1,589 |
| Memoranda: | ||
| Average total assets | $110,427,000 | 3,981 |
| Average earning assets | $99,965,000 | 4,016 |
| Average equity | $14,440,000 | 3,731 |
| Average total loans | $61,054,000 | 4,110 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 3,935 |
| Cost of funding earning assets | 0.8460% | 937 |
| Net interest margin | 3.1020% | 4,726 |
| Noninterest income to average assets | 0.3394% | 3,915 |
| Noninterest expense to average assets | 2.1362% | 4,529 |
| Loan and lease loss provision to assets | 0.0857% | 2,195 |
| Net operating income to assets | 0.7484% | 4,037 |
| Return on assets (ROA) | 0.7484% | 4,040 |
| Pretax return on assets | 0.9270% | 3,880 |
| Return on Equity (ROE) | 5.6950% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.2019% | 4,400 |
| Net charge-offs to loans | 0.0561% | 1,803 |
| Credit loss provision to net charge-offs | 282.3529% | 1,052 |
| Earnings coverage of net charge-offs (x) | 33.3529% | 1,419 |
| Efficiency ratio | 65.9671% | 2,989 |
| Assets per employee ($millions) | 5.9162% | 1,531 |
| Cash dividends to net income (ytd only)* | 61.3365% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,304 |
| Loan loss allowance to noncurrent loans | 154.6703% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 3,250 |
| Noncurrent loans to loans | 0.5877% | 2,653 |
| Net loans and leases to total assets | 57.6368% | 4,029 |
| Net loans and leases to deposits | 82.1001% | 2,757 |
| Net loans and leases to core deposits | 91.3173% | 2,454 |
| Total domestic deposits to total assets | 70.2031% | 5,271 |
| Equity capital to assets | 13.8068% | 985 |
| Core capital (leverage) ratio | 13.2700% | 1,141 |
| Tier 1 risk-based capital ratio | 18.7715% | 1,609 |
| Total risk-based capital ratio | 18.9491% | 1,846 |
| Memoranda: | ||
| Average total assets | $111,974,330 | 3,985 |
| Average earning assets | $101,420,000 | 4,025 |
| Average equity | $14,714,670 | 3,715 |
| Average total loans | $60,605,330 | 4,150 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 4,100 |
| Cost of funding earning assets | 0.8658% | 706 |
| Net interest margin | 2.9782% | 4,908 |
| Noninterest income to average assets | 0.3347% | 3,915 |
| Noninterest expense to average assets | 2.1723% | 4,488 |
| Loan and lease loss provision to assets | 0.0837% | 2,127 |
| Net operating income to assets | 0.6416% | 4,306 |
| Return on assets (ROA) | 0.6416% | 4,318 |
| Pretax return on assets | 0.7776% | 4,204 |
| Return on Equity (ROE) | 4.9998% | 4,490 |
| Retained earnings to average equity (ytd only) | 1.1141% | 4,600 |
| Net charge-offs to loans | -0.0067% | 4,106 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7701% | 2,519 |
| Assets per employee ($millions) | 6.2123% | 1,361 |
| Cash dividends to net income (ytd only)* | 77.7174% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,424 |
| Loan loss allowance to noncurrent loans | 231.1203% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 3,884 |
| Noncurrent loans to loans | 0.3921% | 3,382 |
| Net loans and leases to total assets | 54.4687% | 4,244 |
| Net loans and leases to deposits | 79.6141% | 2,854 |
| Net loans and leases to core deposits | 85.8367% | 2,820 |
| Total domestic deposits to total assets | 68.4159% | 5,407 |
| Equity capital to assets | 13.0824% | 1,196 |
| Core capital (leverage) ratio | 12.5063% | 1,387 |
| Tier 1 risk-based capital ratio | 18.6352% | 1,655 |
| Total risk-based capital ratio | 18.8818% | 1,888 |
| Memoranda: | ||
| Average total assets | $114,716,000 | 3,981 |
| Average earning assets | $103,954,500 | 4,032 |
| Average equity | $14,720,500 | 3,746 |
| Average total loans | $59,937,500 | 4,200 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 3,707 |
| Cost of funding earning assets | 0.7882% | 661 |
| Net interest margin | 3.1173% | 4,655 |
| Noninterest income to average assets | 0.3478% | 3,975 |
| Noninterest expense to average assets | 2.1954% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7052% | 3,577 |
| Return on assets (ROA) | 0.7059% | 3,630 |
| Pretax return on assets | 0.9562% | 3,711 |
| Return on Equity (ROE) | 5.1098% | 4,120 |
| Retained earnings to average equity (ytd only) | 3.5151% | 3,171 |
| Net charge-offs to loans | 0.0248% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 72.7857% | 826 |
| Efficiency ratio | 67.7179% | 2,949 |
| Assets per employee ($millions) | 6.1900% | 1,390 |
| Cash dividends to net income (ytd only)* | 31.2085% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 4,415 |
| Loan loss allowance to noncurrent loans | 709.3333% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,658 |
| Noncurrent loans to loans | 0.1284% | 4,413 |
| Net loans and leases to total assets | 49.2118% | 4,691 |
| Net loans and leases to deposits | 70.5502% | 3,829 |
| Net loans and leases to core deposits | 75.8519% | 3,755 |
| Total domestic deposits to total assets | 69.7543% | 5,415 |
| Equity capital to assets | 12.5942% | 1,461 |
| Core capital (leverage) ratio | 12.4246% | 1,388 |
| Tier 1 risk-based capital ratio | 19.2985% | 1,450 |
| Total risk-based capital ratio | 19.7062% | 1,620 |
| Memoranda: | ||
| Average total assets | $106,676,800 | 4,123 |
| Average earning assets | $95,917,200 | 4,161 |
| Average equity | $14,736,400 | 3,748 |
| Average total loans | $56,399,600 | 4,279 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,401 |
| Cost of funding earning assets | 0.7745% | 671 |
| Net interest margin | 3.2108% | 4,429 |
| Noninterest income to average assets | 0.3579% | 3,967 |
| Noninterest expense to average assets | 2.2743% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7263% | 3,838 |
| Return on assets (ROA) | 0.7273% | 3,903 |
| Pretax return on assets | 0.9672% | 3,812 |
| Return on Equity (ROE) | 5.1366% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.4063% | 3,898 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2502% | 2,833 |
| Assets per employee ($millions) | 6.2186% | 1,365 |
| Cash dividends to net income (ytd only)* | 33.6861% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 4,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 5,073 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 52.7559% | 4,516 |
| Net loans and leases to deposits | 71.4595% | 3,830 |
| Net loans and leases to core deposits | 79.3072% | 3,509 |
| Total domestic deposits to total assets | 73.8263% | 5,249 |
| Equity capital to assets | 14.1046% | 962 |
| Core capital (leverage) ratio | 13.3769% | 1,073 |
| Tier 1 risk-based capital ratio | 19.7442% | 1,427 |
| Total risk-based capital ratio | 20.5150% | 1,483 |
| Memoranda: | ||
| Average total assets | $103,943,500 | 4,206 |
| Average earning assets | $93,309,250 | 4,254 |
| Average equity | $14,717,500 | 3,789 |
| Average total loans | $55,897,000 | 4,331 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 3,236 |
| Cost of funding earning assets | 0.7656% | 629 |
| Net interest margin | 3.2255% | 4,337 |
| Noninterest income to average assets | 0.3541% | 4,026 |
| Noninterest expense to average assets | 2.2835% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7416% | 3,664 |
| Return on assets (ROA) | 0.7431% | 3,719 |
| Pretax return on assets | 0.9830% | 3,626 |
| Return on Equity (ROE) | 5.2412% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.3167% | 3,738 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9905% | 3,018 |
| Assets per employee ($millions) | 5.4411% | 1,928 |
| Cash dividends to net income (ytd only)* | 36.7188% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 4,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 4,954 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 54.2798% | 4,370 |
| Net loans and leases to deposits | 74.0323% | 3,543 |
| Net loans and leases to core deposits | 81.9748% | 3,253 |
| Total domestic deposits to total assets | 73.3191% | 5,353 |
| Equity capital to assets | 14.3373% | 869 |
| Core capital (leverage) ratio | 13.5894% | 972 |
| Tier 1 risk-based capital ratio | 19.4529% | 1,485 |
| Total risk-based capital ratio | 20.2204% | 1,546 |
| Memoranda: | ||
| Average total assets | $103,352,330 | 4,250 |
| Average earning assets | $93,256,000 | 4,284 |
| Average equity | $14,653,000 | 3,802 |
| Average total loans | $55,756,670 | 4,360 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 3,116 |
| Cost of funding earning assets | 0.7772% | 559 |
| Net interest margin | 3.2027% | 4,338 |
| Noninterest income to average assets | 0.4064% | 3,613 |
| Noninterest expense to average assets | 2.3147% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7742% | 3,340 |
| Return on assets (ROA) | 0.7742% | 3,396 |
| Pretax return on assets | 0.9948% | 3,389 |
| Return on Equity (ROE) | 5.4913% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.4870% | 3,693 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0702% | 3,181 |
| Assets per employee ($millions) | 5.3899% | 1,993 |
| Cash dividends to net income (ytd only)* | 36.5000% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 4,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 5,031 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.7111% | 4,360 |
| Net loans and leases to deposits | 74.0728% | 3,394 |
| Net loans and leases to core deposits | 82.4984% | 3,039 |
| Total domestic deposits to total assets | 72.5112% | 5,517 |
| Equity capital to assets | 14.2985% | 818 |
| Core capital (leverage) ratio | 13.3697% | 1,010 |
| Tier 1 risk-based capital ratio | 20.1831% | 1,355 |
| Total risk-based capital ratio | 20.9869% | 1,413 |
| Memoranda: | ||
| Average total assets | $103,338,000 | 4,298 |
| Average earning assets | $93,671,500 | 4,317 |
| Average equity | $14,568,500 | 3,841 |
| Average total loans | $55,304,500 | 4,415 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0052% | 3,182 |
| Cost of funding earning assets | 0.7327% | 689 |
| Net interest margin | 3.2725% | 4,227 |
| Noninterest income to average assets | 0.3801% | 4,033 |
| Noninterest expense to average assets | 2.3814% | 4,345 |
| Loan and lease loss provision to assets | 0.0727% | 2,900 |
| Net operating income to assets | 0.7253% | 3,667 |
| Return on assets (ROA) | 0.7476% | 3,669 |
| Pretax return on assets | 0.9153% | 3,795 |
| Return on Equity (ROE) | 5.2873% | 4,282 |
| Retained earnings to average equity (ytd only) | 3.6346% | 3,334 |
| Net charge-offs to loans | 0.0526% | 2,982 |
| Credit loss provision to net charge-offs | 267.8571% | 1,072 |
| Earnings coverage of net charge-offs (x) | 35.3929% | 1,290 |
| Efficiency ratio | 69.3357% | 3,017 |
| Assets per employee ($millions) | 5.2134% | 2,157 |
| Cash dividends to net income (ytd only)* | 31.2581% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 4,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 5,085 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 52.2812% | 4,581 |
| Net loans and leases to deposits | 70.7415% | 3,832 |
| Net loans and leases to core deposits | 79.4011% | 3,448 |
| Total domestic deposits to total assets | 73.9045% | 5,448 |
| Equity capital to assets | 13.9009% | 918 |
| Core capital (leverage) ratio | 13.2108% | 1,055 |
| Tier 1 risk-based capital ratio | 19.8341% | 1,410 |
| Total risk-based capital ratio | 20.6300% | 1,468 |
| Memoranda: | ||
| Average total assets | $103,132,000 | 4,306 |
| Average earning assets | $93,352,800 | 4,317 |
| Average equity | $14,582,200 | 3,862 |
| Average total loans | $53,225,800 | 4,483 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 3,205 |
| Cost of funding earning assets | 0.7273% | 709 |
| Net interest margin | 3.2813% | 4,248 |
| Noninterest income to average assets | 0.3876% | 4,009 |
| Noninterest expense to average assets | 2.3957% | 4,288 |
| Loan and lease loss provision to assets | 0.0648% | 2,935 |
| Net operating income to assets | 0.7027% | 3,832 |
| Return on assets (ROA) | 0.7260% | 3,853 |
| Pretax return on assets | 0.9282% | 3,880 |
| Return on Equity (ROE) | 5.1126% | 4,470 |
| Retained earnings to average equity (ytd only) | 3.6153% | 3,720 |
| Net charge-offs to loans | 0.0480% | 2,682 |
| Credit loss provision to net charge-offs | 263.1579% | 1,155 |
| Earnings coverage of net charge-offs (x) | 39.1094% | 1,265 |
| Efficiency ratio | 69.4327% | 2,980 |
| Assets per employee ($millions) | 5.1070% | 2,246 |
| Cash dividends to net income (ytd only)* | 29.2855% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 4,610 |
| Loan loss allowance to noncurrent loans | 17,666.6667% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,792 |
| Noncurrent loans to loans | 0.0054% | 5,399 |
| Net loans and leases to total assets | 53.4707% | 4,539 |
| Net loans and leases to deposits | 73.4240% | 3,649 |
| Net loans and leases to core deposits | 81.1299% | 3,346 |
| Total domestic deposits to total assets | 72.8246% | 5,538 |
| Equity capital to assets | 14.4615% | 885 |
| Core capital (leverage) ratio | 13.3283% | 1,059 |
| Tier 1 risk-based capital ratio | 19.7758% | 1,489 |
| Total risk-based capital ratio | 20.5544% | 1,561 |
| Memoranda: | ||
| Average total assets | $102,848,250 | 4,343 |
| Average earning assets | $93,130,750 | 4,361 |
| Average equity | $14,604,250 | 3,897 |
| Average total loans | $52,767,750 | 4,533 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 3,156 |
| Cost of funding earning assets | 0.7175% | 731 |
| Net interest margin | 3.3090% | 4,200 |
| Noninterest income to average assets | 0.4074% | 3,819 |
| Noninterest expense to average assets | 2.3864% | 4,382 |
| Loan and lease loss provision to assets | 0.0970% | 2,212 |
| Net operating income to assets | 0.7141% | 3,725 |
| Return on assets (ROA) | 0.7489% | 3,706 |
| Pretax return on assets | 0.9662% | 3,719 |
| Return on Equity (ROE) | 5.3063% | 4,379 |
| Retained earnings to average equity (ytd only) | 4.0141% | 3,349 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2051% | 3,298 |
| Assets per employee ($millions) | 5.0900% | 2,208 |
| Cash dividends to net income (ytd only)* | 24.3523% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 4,256 |
| Loan loss allowance to noncurrent loans | 1,120.4082% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,791 |
| Noncurrent loans to loans | 0.0931% | 5,078 |
| Net loans and leases to total assets | 51.1415% | 4,752 |
| Net loans and leases to deposits | 70.3284% | 3,955 |
| Net loans and leases to core deposits | 78.3394% | 3,620 |
| Total domestic deposits to total assets | 72.7181% | 5,623 |
| Equity capital to assets | 14.5039% | 866 |
| Core capital (leverage) ratio | 13.1440% | 1,102 |
| Tier 1 risk-based capital ratio | 28.4624% | 567 |
| Total risk-based capital ratio | 29.6329% | 561 |
| Memoranda: | ||
| Average total assets | $103,084,330 | 4,366 |
| Average earning assets | $93,381,330 | 4,397 |
| Average equity | $14,548,670 | 3,920 |
| Average total loans | $51,975,330 | 4,585 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,182 |
| Cost of funding earning assets | 0.7071% | 784 |
| Net interest margin | 3.3053% | 4,203 |
| Noninterest income to average assets | 0.3663% | 4,102 |
| Noninterest expense to average assets | 2.2521% | 4,779 |
| Loan and lease loss provision to assets | 0.0964% | 2,086 |
| Net operating income to assets | 0.7656% | 3,413 |
| Return on assets (ROA) | 0.8330% | 3,205 |
| Pretax return on assets | 1.0990% | 3,096 |
| Return on Equity (ROE) | 5.9832% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.3738% | 2,729 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2124% | 3,941 |
| Assets per employee ($millions) | 5.1416% | 2,194 |
| Cash dividends to net income (ytd only)* | 10.1852% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 4,631 |
| Loan loss allowance to noncurrent loans | 1,069.3878% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 5,013 |
| Noncurrent loans to loans | 0.0933% | 5,100 |
| Net loans and leases to total assets | 50.5874% | 4,750 |
| Net loans and leases to deposits | 71.1317% | 3,736 |
| Net loans and leases to core deposits | 78.3587% | 3,464 |
| Total domestic deposits to total assets | 71.1179% | 5,816 |
| Equity capital to assets | 14.1649% | 927 |
| Core capital (leverage) ratio | 12.9960% | 1,160 |
| Tier 1 risk-based capital ratio | 19.3982% | 1,631 |
| Total risk-based capital ratio | 20.1658% | 1,720 |
| Memoranda: | ||
| Average total assets | $103,726,500 | 4,394 |
| Average earning assets | $93,910,500 | 4,427 |
| Average equity | $14,440,500 | 3,940 |
| Average total loans | $51,657,500 | 4,626 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,009 |
| Cost of funding earning assets | 0.7259% | 713 |
| Net interest margin | 3.3527% | 4,102 |
| Noninterest income to average assets | 0.4009% | 4,029 |
| Noninterest expense to average assets | 2.2173% | 5,021 |
| Loan and lease loss provision to assets | 0.0950% | 2,421 |
| Net operating income to assets | 0.8562% | 3,081 |
| Return on assets (ROA) | 0.8598% | 3,138 |
| Pretax return on assets | 1.1343% | 2,909 |
| Return on Equity (ROE) | 6.3812% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.8018% | 2,570 |
| Net charge-offs to loans | -0.0019% | 4,874 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6001% | 4,516 |
| Assets per employee ($millions) | 5.5064% | 1,798 |
| Cash dividends to net income (ytd only)* | 24.7514% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 4,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 5,253 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 48.0515% | 5,010 |
| Net loans and leases to deposits | 65.0005% | 4,402 |
| Net loans and leases to core deposits | 69.9291% | 4,304 |
| Total domestic deposits to total assets | 73.9249% | 5,657 |
| Equity capital to assets | 13.6827% | 1,049 |
| Core capital (leverage) ratio | 12.3270% | 1,435 |
| Tier 1 risk-based capital ratio | 20.3201% | 1,423 |
| Total risk-based capital ratio | 21.1032% | 1,479 |
| Memoranda: | ||
| Average total assets | $105,261,000 | 4,353 |
| Average earning assets | $95,474,000 | 4,401 |
| Average equity | $14,182,200 | 3,944 |
| Average total loans | $52,073,600 | 4,607 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 2,986 |
| Cost of funding earning assets | 0.7250% | 736 |
| Net interest margin | 3.3649% | 4,092 |
| Noninterest income to average assets | 0.4275% | 3,888 |
| Noninterest expense to average assets | 2.2234% | 4,981 |
| Loan and lease loss provision to assets | 0.0949% | 2,271 |
| Net operating income to assets | 0.8806% | 3,038 |
| Return on assets (ROA) | 0.8853% | 3,101 |
| Pretax return on assets | 1.1737% | 2,913 |
| Return on Equity (ROE) | 6.5963% | 3,838 |
| Retained earnings to average equity (ytd only) | 4.7776% | 3,070 |
| Net charge-offs to loans | -0.0025% | 4,729 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0102% | 4,564 |
| Assets per employee ($millions) | 5.5589% | 1,725 |
| Cash dividends to net income (ytd only)* | 27.5718% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 5,120 |
| Loan loss allowance to noncurrent loans | 493.7500% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 5,384 |
| Noncurrent loans to loans | 0.1865% | 4,902 |
| Net loans and leases to total assets | 48.2962% | 5,060 |
| Net loans and leases to deposits | 65.1818% | 4,454 |
| Net loans and leases to core deposits | 71.0367% | 4,275 |
| Total domestic deposits to total assets | 74.0946% | 5,701 |
| Equity capital to assets | 13.5440% | 1,209 |
| Core capital (leverage) ratio | 12.2596% | 1,534 |
| Tier 1 risk-based capital ratio | 19.8926% | 1,578 |
| Total risk-based capital ratio | 20.6238% | 1,662 |
| Memoranda: | ||
| Average total assets | $105,421,000 | 4,395 |
| Average earning assets | $95,811,250 | 4,441 |
| Average equity | $14,149,000 | 3,992 |
| Average total loans | $52,399,250 | 4,651 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 2,988 |
| Cost of funding earning assets | 0.7242% | 743 |
| Net interest margin | 3.3517% | 4,101 |
| Noninterest income to average assets | 0.4917% | 3,435 |
| Noninterest expense to average assets | 2.2287% | 5,027 |
| Loan and lease loss provision to assets | 0.0949% | 2,230 |
| Net operating income to assets | 0.9079% | 2,830 |
| Return on assets (ROA) | 0.9150% | 2,932 |
| Pretax return on assets | 1.2263% | 2,666 |
| Return on Equity (ROE) | 6.8383% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.4196% | 2,588 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1796% | 4,802 |
| Assets per employee ($millions) | 5.2658% | 1,966 |
| Cash dividends to net income (ytd only)* | 20.7469% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 5,531 |
| Loan loss allowance to noncurrent loans | 471.5789% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 4,801 |
| Noncurrent loans to loans | 0.1757% | 5,070 |
| Net loans and leases to total assets | 50.9272% | 4,854 |
| Net loans and leases to deposits | 68.6744% | 4,064 |
| Net loans and leases to core deposits | 76.8186% | 3,687 |
| Total domestic deposits to total assets | 74.1575% | 5,775 |
| Equity capital to assets | 13.4463% | 1,192 |
| Core capital (leverage) ratio | 12.2464% | 1,512 |
| Tier 1 risk-based capital ratio | 19.2195% | 1,746 |
| Total risk-based capital ratio | 19.8940% | 1,849 |
| Memoranda: | ||
| Average total assets | $105,355,000 | 4,439 |
| Average earning assets | $95,832,000 | 4,476 |
| Average equity | $14,097,000 | 4,032 |
| Average total loans | $52,704,330 | 4,682 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0739% | 2,938 |
| Cost of funding earning assets | 0.7373% | 706 |
| Net interest margin | 3.3366% | 4,075 |
| Noninterest income to average assets | 0.4403% | 3,693 |
| Noninterest expense to average assets | 2.0840% | 5,424 |
| Loan and lease loss provision to assets | 0.0949% | 2,098 |
| Net operating income to assets | 0.9622% | 2,436 |
| Return on assets (ROA) | 0.9566% | 2,604 |
| Pretax return on assets | 1.2944% | 2,306 |
| Return on Equity (ROE) | 7.1667% | 3,418 |
| Retained earnings to average equity (ytd only) | 5.5172% | 2,765 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1243% | 5,320 |
| Assets per employee ($millions) | 5.5747% | 1,734 |
| Cash dividends to net income (ytd only)* | 23.0159% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 5,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 5,249 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 49.8442% | 4,868 |
| Net loans and leases to deposits | 67.2060% | 4,033 |
| Net loans and leases to core deposits | 75.6614% | 3,626 |
| Total domestic deposits to total assets | 74.1664% | 5,888 |
| Equity capital to assets | 13.4045% | 1,216 |
| Core capital (leverage) ratio | 12.0203% | 1,624 |
| Tier 1 risk-based capital ratio | 19.5381% | 1,728 |
| Total risk-based capital ratio | 20.1955% | 1,849 |
| Memoranda: | ||
| Average total assets | $105,375,000 | 4,470 |
| Average earning assets | $96,026,500 | 4,505 |
| Average equity | $14,065,000 | 4,064 |
| Average total loans | $52,015,500 | 4,737 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 3,251 |
| Cost of funding earning assets | 0.7813% | 714 |
| Net interest margin | 3.3377% | 4,448 |
| Noninterest income to average assets | 0.3649% | 4,480 |
| Noninterest expense to average assets | 2.1711% | 5,407 |
| Loan and lease loss provision to assets | 0.0958% | 2,551 |
| Net operating income to assets | 0.8266% | 3,247 |
| Return on assets (ROA) | 0.8868% | 3,021 |
| Pretax return on assets | 1.2029% | 2,640 |
| Return on Equity (ROE) | 6.8220% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.5401% | 2,236 |
| Net charge-offs to loans | 0.1792% | 2,236 |
| Credit loss provision to net charge-offs | 111.1111% | 2,144 |
| Earnings coverage of net charge-offs (x) | 14.1222% | 2,192 |
| Efficiency ratio | 62.2103% | 4,879 |
| Assets per employee ($millions) | 5.5174% | 1,756 |
| Cash dividends to net income (ytd only)* | 18.7905% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 5,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 5,233 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 48.0921% | 5,147 |
| Net loans and leases to deposits | 65.6873% | 4,361 |
| Net loans and leases to core deposits | 73.8303% | 3,932 |
| Total domestic deposits to total assets | 73.2138% | 6,001 |
| Equity capital to assets | 13.2901% | 1,232 |
| Core capital (leverage) ratio | 11.5310% | 1,955 |
| Tier 1 risk-based capital ratio | 19.0578% | 1,833 |
| Total risk-based capital ratio | 19.5654% | 2,011 |
| Memoranda: | ||
| Average total assets | $104,416,600 | 4,494 |
| Average earning assets | $94,587,000 | 4,540 |
| Average equity | $13,573,800 | 4,094 |
| Average total loans | $50,231,400 | 4,812 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1346% | 3,240 |
| Cost of funding earning assets | 0.7840% | 748 |
| Net interest margin | 3.3506% | 4,428 |
| Noninterest income to average assets | 0.3617% | 4,539 |
| Noninterest expense to average assets | 2.1691% | 5,412 |
| Loan and lease loss provision to assets | 0.0959% | 2,449 |
| Net operating income to assets | 0.8452% | 3,202 |
| Return on assets (ROA) | 0.9267% | 2,882 |
| Pretax return on assets | 1.2373% | 2,626 |
| Return on Equity (ROE) | 7.1687% | 3,625 |
| Retained earnings to average equity (ytd only) | 5.8042% | 2,536 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0716% | 4,876 |
| Assets per employee ($millions) | 5.4197% | 1,800 |
| Cash dividends to net income (ytd only)* | 19.0350% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 5,556 |
| Loan loss allowance to noncurrent loans | 163.6042% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 5,016 |
| Noncurrent loans to loans | 0.5597% | 4,240 |
| Net loans and leases to total assets | 48.6536% | 5,137 |
| Net loans and leases to deposits | 66.7497% | 4,258 |
| Net loans and leases to core deposits | 72.7757% | 4,079 |
| Total domestic deposits to total assets | 72.8895% | 6,102 |
| Equity capital to assets | 13.3994% | 1,231 |
| Core capital (leverage) ratio | 11.5342% | 2,039 |
| Tier 1 risk-based capital ratio | 19.1116% | 1,878 |
| Total risk-based capital ratio | 19.8570% | 1,982 |
| Memoranda: | ||
| Average total assets | $104,313,250 | 4,536 |
| Average earning assets | $94,387,750 | 4,590 |
| Average equity | $13,484,250 | 4,133 |
| Average total loans | $50,086,000 | 4,859 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 3,214 |
| Cost of funding earning assets | 0.7787% | 795 |
| Net interest margin | 3.3553% | 4,377 |
| Noninterest income to average assets | 0.3799% | 4,405 |
| Noninterest expense to average assets | 2.2108% | 5,388 |
| Loan and lease loss provision to assets | 0.0955% | 2,436 |
| Net operating income to assets | 0.8276% | 3,188 |
| Return on assets (ROA) | 0.9393% | 2,710 |
| Pretax return on assets | 1.2581% | 2,420 |
| Return on Equity (ROE) | 7.3544% | 3,443 |
| Retained earnings to average equity (ytd only) | 5.9194% | 2,368 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8843% | 4,879 |
| Assets per employee ($millions) | 5.5261% | 1,674 |
| Cash dividends to net income (ytd only)* | 19.5122% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 5,798 |
| Loan loss allowance to noncurrent loans | 842.3077% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 5,896 |
| Noncurrent loans to loans | 0.1038% | 5,703 |
| Net loans and leases to total assets | 47.2818% | 5,236 |
| Net loans and leases to deposits | 63.5622% | 4,539 |
| Net loans and leases to core deposits | 69.3381% | 4,335 |
| Total domestic deposits to total assets | 74.3866% | 6,075 |
| Equity capital to assets | 13.0310% | 1,356 |
| Core capital (leverage) ratio | 11.7715% | 1,810 |
| Tier 1 risk-based capital ratio | 19.4321% | 1,816 |
| Total risk-based capital ratio | 20.1328% | 1,914 |
| Memoranda: | ||
| Average total assets | $104,759,330 | 4,560 |
| Average earning assets | $94,776,000 | 4,621 |
| Average equity | $13,379,670 | 4,157 |
| Average total loans | $49,926,670 | 4,900 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 3,124 |
| Cost of funding earning assets | 0.7769% | 849 |
| Net interest margin | 3.3652% | 4,275 |
| Noninterest income to average assets | 0.3784% | 4,359 |
| Noninterest expense to average assets | 2.0871% | 5,712 |
| Loan and lease loss provision to assets | 0.0956% | 2,331 |
| Net operating income to assets | 0.9327% | 2,491 |
| Return on assets (ROA) | 0.9327% | 2,562 |
| Pretax return on assets | 1.2423% | 2,308 |
| Return on Equity (ROE) | 7.3780% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.3197% | 2,372 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1518% | 5,515 |
| Assets per employee ($millions) | 5.4834% | 1,722 |
| Cash dividends to net income (ytd only)* | 14.3443% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 6,052 |
| Loan loss allowance to noncurrent loans | 458.8889% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 5,868 |
| Noncurrent loans to loans | 0.1794% | 5,558 |
| Net loans and leases to total assets | 47.7674% | 5,159 |
| Net loans and leases to deposits | 65.8420% | 4,116 |
| Net loans and leases to core deposits | 71.6305% | 3,909 |
| Total domestic deposits to total assets | 72.5486% | 6,333 |
| Equity capital to assets | 12.8561% | 1,381 |
| Core capital (leverage) ratio | 11.1104% | 2,291 |
| Tier 1 risk-based capital ratio | 18.2966% | 2,177 |
| Total risk-based capital ratio | 18.9561% | 2,376 |
| Memoranda: | ||
| Average total assets | $104,641,000 | 4,615 |
| Average earning assets | $94,734,000 | 4,664 |
| Average equity | $13,228,500 | 4,196 |
| Average total loans | $49,849,000 | 4,938 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 3,609 |
| Cost of funding earning assets | 0.8271% | 1,053 |
| Net interest margin | 3.3061% | 4,644 |
| Noninterest income to average assets | 0.3686% | 4,672 |
| Noninterest expense to average assets | 2.1150% | 5,798 |
| Loan and lease loss provision to assets | 0.0948% | 3,227 |
| Net operating income to assets | 0.8396% | 3,090 |
| Return on assets (ROA) | 0.8396% | 3,169 |
| Pretax return on assets | 1.1210% | 2,883 |
| Return on Equity (ROE) | 6.7694% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.2948% | 2,422 |
| Net charge-offs to loans | -0.0252% | 6,186 |
| Credit loss provision to net charge-offs | -833.3333% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6216% | 5,270 |
| Assets per employee ($millions) | 5.5315% | 1,623 |
| Cash dividends to net income (ytd only)* | 21.7833% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 6,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 6,258 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.7478% | 5,417 |
| Net loans and leases to deposits | 62.1715% | 4,704 |
| Net loans and leases to core deposits | 68.2186% | 4,492 |
| Total domestic deposits to total assets | 75.1917% | 6,173 |
| Equity capital to assets | 12.4294% | 1,550 |
| Core capital (leverage) ratio | 10.8477% | 2,529 |
| Tier 1 risk-based capital ratio | 18.4064% | 2,112 |
| Total risk-based capital ratio | 19.0422% | 2,279 |
| Memoranda: | ||
| Average total assets | $105,531,200 | 4,607 |
| Average earning assets | $94,552,200 | 4,665 |
| Average equity | $13,088,400 | 4,247 |
| Average total loans | $47,618,400 | 5,044 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 3,665 |
| Cost of funding earning assets | 0.8354% | 1,119 |
| Net interest margin | 3.2878% | 4,685 |
| Noninterest income to average assets | 0.3357% | 5,009 |
| Noninterest expense to average assets | 2.0409% | 5,942 |
| Loan and lease loss provision to assets | 0.0947% | 3,183 |
| Net operating income to assets | 0.8683% | 3,002 |
| Return on assets (ROA) | 0.8683% | 3,111 |
| Pretax return on assets | 1.1410% | 2,945 |
| Return on Equity (ROE) | 7.0052% | 3,643 |
| Retained earnings to average equity (ytd only) | 5.8342% | 2,520 |
| Net charge-offs to loans | -0.0028% | 5,713 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4006% | 5,372 |
| Assets per employee ($millions) | 5.4703% | 1,659 |
| Cash dividends to net income (ytd only)* | 16.7152% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 6,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 6,311 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.1490% | 5,538 |
| Net loans and leases to deposits | 61.8903% | 4,777 |
| Net loans and leases to core deposits | 68.5156% | 4,483 |
| Total domestic deposits to total assets | 74.5658% | 6,325 |
| Equity capital to assets | 12.6098% | 1,521 |
| Core capital (leverage) ratio | 10.7363% | 2,744 |
| Tier 1 risk-based capital ratio | 18.3721% | 2,187 |
| Total risk-based capital ratio | 18.9549% | 2,404 |
| Memoranda: | ||
| Average total assets | $105,639,500 | 4,650 |
| Average earning assets | $94,488,500 | 4,712 |
| Average equity | $13,094,750 | 4,296 |
| Average total loans | $47,143,250 | 5,106 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 3,828 |
| Cost of funding earning assets | 0.8395% | 1,207 |
| Net interest margin | 3.2358% | 4,820 |
| Noninterest income to average assets | 0.3465% | 4,920 |
| Noninterest expense to average assets | 2.1128% | 5,845 |
| Loan and lease loss provision to assets | 0.0942% | 3,220 |
| Net operating income to assets | 0.7947% | 3,322 |
| Return on assets (ROA) | 0.7947% | 3,481 |
| Pretax return on assets | 1.0282% | 3,383 |
| Return on Equity (ROE) | 6.4472% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.1027% | 2,986 |
| Net charge-offs to loans | -0.0043% | 5,609 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3877% | 4,948 |
| Assets per employee ($millions) | 5.5289% | 1,559 |
| Cash dividends to net income (ytd only)* | 20.8531% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6928% | 6,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 6,358 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.6220% | 5,684 |
| Net loans and leases to deposits | 59.3858% | 5,031 |
| Net loans and leases to core deposits | 66.2910% | 4,663 |
| Total domestic deposits to total assets | 75.1392% | 6,343 |
| Equity capital to assets | 12.1477% | 1,812 |
| Core capital (leverage) ratio | 10.3390% | 3,057 |
| Tier 1 risk-based capital ratio | 18.1838% | 2,258 |
| Total risk-based capital ratio | 18.7323% | 2,489 |
| Memoranda: | ||
| Average total assets | $106,207,670 | 4,662 |
| Average earning assets | $94,813,330 | 4,732 |
| Average equity | $13,091,000 | 4,329 |
| Average total loans | $46,752,000 | 5,151 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 4,158 |
| Cost of funding earning assets | 0.8417% | 1,297 |
| Net interest margin | 3.1490% | 5,096 |
| Noninterest income to average assets | 0.3821% | 4,606 |
| Noninterest expense to average assets | 2.0452% | 6,017 |
| Loan and lease loss provision to assets | 0.0936% | 3,103 |
| Net operating income to assets | 0.8166% | 3,072 |
| Return on assets (ROA) | 0.8166% | 3,211 |
| Pretax return on assets | 1.0601% | 3,106 |
| Return on Equity (ROE) | 6.5782% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.2505% | 3,081 |
| Net charge-offs to loans | -0.0086% | 5,392 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0609% | 5,295 |
| Assets per employee ($millions) | 5.6343% | 1,553 |
| Cash dividends to net income (ytd only)* | 20.1835% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6386% | 6,662 |
| Loan loss allowance to noncurrent loans | 201.3333% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 6,005 |
| Noncurrent loans to loans | 0.3172% | 5,609 |
| Net loans and leases to total assets | 43.8964% | 5,676 |
| Net loans and leases to deposits | 58.4507% | 4,982 |
| Net loans and leases to core deposits | 66.2559% | 4,498 |
| Total domestic deposits to total assets | 75.1000% | 6,447 |
| Equity capital to assets | 12.4164% | 1,764 |
| Core capital (leverage) ratio | 10.1316% | 3,239 |
| Tier 1 risk-based capital ratio | 17.5642% | 2,537 |
| Total risk-based capital ratio | 18.0616% | 2,819 |
| Memoranda: | ||
| Average total assets | $106,787,000 | 4,694 |
| Average earning assets | $95,523,500 | 4,752 |
| Average equity | $13,256,000 | 4,341 |
| Average total loans | $46,527,000 | 5,196 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 4,389 |
| Cost of funding earning assets | 0.9549% | 1,611 |
| Net interest margin | 3.2995% | 5,245 |
| Noninterest income to average assets | 0.2897% | 5,398 |
| Noninterest expense to average assets | 2.0006% | 6,322 |
| Loan and lease loss provision to assets | 0.0937% | 4,502 |
| Net operating income to assets | 0.8777% | 2,921 |
| Return on assets (ROA) | 0.8784% | 3,161 |
| Pretax return on assets | 1.1634% | 2,936 |
| Return on Equity (ROE) | 7.2763% | 3,479 |
| Retained earnings to average equity (ytd only) | 4.8690% | 2,793 |
| Net charge-offs to loans | 0.2001% | 3,778 |
| Credit loss provision to net charge-offs | 114.9425% | 2,522 |
| Earnings coverage of net charge-offs (x) | 15.4023% | 1,655 |
| Efficiency ratio | 59.5279% | 5,612 |
| Assets per employee ($millions) | 5.3261% | 1,866 |
| Cash dividends to net income (ytd only)* | 33.0843% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 6,751 |
| Loan loss allowance to noncurrent loans | 13,800.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 6,345 |
| Noncurrent loans to loans | 0.0044% | 6,578 |
| Net loans and leases to total assets | 42.6992% | 5,927 |
| Net loans and leases to deposits | 56.9654% | 5,340 |
| Net loans and leases to core deposits | 63.7406% | 4,986 |
| Total domestic deposits to total assets | 74.9563% | 6,448 |
| Equity capital to assets | 12.4106% | 1,774 |
| Core capital (leverage) ratio | 9.9167% | 3,520 |
| Tier 1 risk-based capital ratio | 17.7890% | 2,341 |
| Total risk-based capital ratio | 18.2578% | 2,613 |
| Memoranda: | ||
| Average total assets | $106,667,000 | 4,663 |
| Average earning assets | $95,923,400 | 4,696 |
| Average equity | $12,877,400 | 4,384 |
| Average total loans | $43,483,800 | 5,354 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 4,463 |
| Cost of funding earning assets | 0.9813% | 1,670 |
| Net interest margin | 3.3160% | 5,328 |
| Noninterest income to average assets | 0.2974% | 5,397 |
| Noninterest expense to average assets | 1.8843% | 6,547 |
| Loan and lease loss provision to assets | 0.0937% | 4,419 |
| Net operating income to assets | 0.9650% | 2,686 |
| Return on assets (ROA) | 0.9659% | 2,893 |
| Pretax return on assets | 1.3058% | 2,590 |
| Return on Equity (ROE) | 8.0571% | 3,261 |
| Retained earnings to average equity (ytd only) | 5.4617% | 3,061 |
| Net charge-offs to loans | 0.1274% | 4,104 |
| Credit loss provision to net charge-offs | 182.9268% | 1,522 |
| Earnings coverage of net charge-offs (x) | 27.2903% | 1,190 |
| Efficiency ratio | 55.5386% | 6,102 |
| Assets per employee ($millions) | 5.1846% | 1,948 |
| Cash dividends to net income (ytd only)* | 32.2120% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6785% | 6,776 |
| Loan loss allowance to noncurrent loans | 1,237.5000% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 5,962 |
| Noncurrent loans to loans | 0.0548% | 6,478 |
| Net loans and leases to total assets | 39.9331% | 6,289 |
| Net loans and leases to deposits | 53.0692% | 5,884 |
| Net loans and leases to core deposits | 59.7726% | 5,578 |
| Total domestic deposits to total assets | 75.2473% | 6,485 |
| Equity capital to assets | 12.2377% | 2,081 |
| Core capital (leverage) ratio | 9.8676% | 3,734 |
| Tier 1 risk-based capital ratio | 17.7501% | 2,445 |
| Total risk-based capital ratio | 18.2593% | 2,686 |
| Memoranda: | ||
| Average total assets | $106,703,250 | 4,713 |
| Average earning assets | $96,057,000 | 4,739 |
| Average equity | $12,791,750 | 4,449 |
| Average total loans | $42,914,750 | 5,449 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 4,322 |
| Cost of funding earning assets | 0.9912% | 1,821 |
| Net interest margin | 3.3746% | 5,191 |
| Noninterest income to average assets | 0.2793% | 5,578 |
| Noninterest expense to average assets | 1.9778% | 6,481 |
| Loan and lease loss provision to assets | 0.0944% | 4,373 |
| Net operating income to assets | 0.9139% | 2,840 |
| Return on assets (ROA) | 0.9153% | 3,096 |
| Pretax return on assets | 1.2738% | 2,641 |
| Return on Equity (ROE) | 7.6897% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.8199% | 3,393 |
| Net charge-offs to loans | 0.1924% | 3,427 |
| Credit loss provision to net charge-offs | 121.9512% | 2,253 |
| Earnings coverage of net charge-offs (x) | 17.6585% | 1,518 |
| Efficiency ratio | 57.2799% | 5,958 |
| Assets per employee ($millions) | 4.8219% | 2,403 |
| Cash dividends to net income (ytd only)* | 37.3196% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6137% | 6,917 |
| Loan loss allowance to noncurrent loans | 302.2222% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 5,819 |
| Noncurrent loans to loans | 0.2031% | 6,177 |
| Net loans and leases to total assets | 41.5268% | 6,227 |
| Net loans and leases to deposits | 55.9618% | 5,649 |
| Net loans and leases to core deposits | 63.3350% | 5,274 |
| Total domestic deposits to total assets | 74.2056% | 6,663 |
| Equity capital to assets | 12.1351% | 2,041 |
| Core capital (leverage) ratio | 9.6608% | 3,905 |
| Tier 1 risk-based capital ratio | 17.5932% | 2,443 |
| Total risk-based capital ratio | 18.0661% | 2,710 |
| Memoranda: | ||
| Average total assets | $105,978,670 | 4,751 |
| Average earning assets | $96,248,000 | 4,759 |
| Average equity | $12,614,330 | 4,477 |
| Average total loans | $42,628,000 | 5,487 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 4,320 |
| Cost of funding earning assets | 1.0247% | 1,841 |
| Net interest margin | 3.3783% | 5,204 |
| Noninterest income to average assets | 0.4418% | 4,358 |
| Noninterest expense to average assets | 1.8503% | 6,737 |
| Loan and lease loss provision to assets | 0.0944% | 4,169 |
| Net operating income to assets | 1.1480% | 1,888 |
| Return on assets (ROA) | 1.1480% | 2,069 |
| Pretax return on assets | 1.5596% | 1,710 |
| Return on Equity (ROE) | 9.7397% | 2,497 |
| Retained earnings to average equity (ytd only) | 5.7990% | 3,075 |
| Net charge-offs to loans | -0.0096% | 5,929 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0776% | 6,606 |
| Assets per employee ($millions) | 4.8075% | 2,499 |
| Cash dividends to net income (ytd only)* | 40.4605% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6652% | 6,915 |
| Loan loss allowance to noncurrent loans | 656.8182% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 5,312 |
| Noncurrent loans to loans | 0.1013% | 6,504 |
| Net loans and leases to total assets | 40.8014% | 6,284 |
| Net loans and leases to deposits | 54.0858% | 5,798 |
| Net loans and leases to core deposits | 60.4660% | 5,487 |
| Total domestic deposits to total assets | 75.4382% | 6,596 |
| Equity capital to assets | 11.8620% | 2,135 |
| Core capital (leverage) ratio | 9.5021% | 4,048 |
| Tier 1 risk-based capital ratio | 17.7191% | 2,395 |
| Total risk-based capital ratio | 18.2323% | 2,646 |
| Memoranda: | ||
| Average total assets | $105,927,500 | 4,791 |
| Average earning assets | $96,025,500 | 4,792 |
| Average equity | $12,485,000 | 4,511 |
| Average total loans | $41,780,000 | 5,560 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 4,813 |
| Cost of funding earning assets | 1.2183% | 1,905 |
| Net interest margin | 3.3453% | 5,665 |
| Noninterest income to average assets | 0.3848% | 4,746 |
| Noninterest expense to average assets | 2.2234% | 6,220 |
| Loan and lease loss provision to assets | 0.0738% | 5,689 |
| Net operating income to assets | 0.8809% | 2,683 |
| Return on assets (ROA) | 0.8809% | 2,820 |
| Pretax return on assets | 1.1279% | 2,729 |
| Return on Equity (ROE) | 7.6587% | 3,073 |
| Retained earnings to average equity (ytd only) | 5.8874% | 2,086 |
| Net charge-offs to loans | 0.0219% | 6,138 |
| Credit loss provision to net charge-offs | 833.3333% | 268 |
| Earnings coverage of net charge-offs (x) | 135.6667% | 248 |
| Efficiency ratio | 63.0172% | 5,296 |
| Assets per employee ($millions) | 4.8222% | 2,423 |
| Cash dividends to net income (ytd only)* | 23.1285% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 6,955 |
| Loan loss allowance to noncurrent loans | 536.7347% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 5,392 |
| Noncurrent loans to loans | 0.1221% | 6,503 |
| Net loans and leases to total assets | 37.5666% | 6,665 |
| Net loans and leases to deposits | 50.2775% | 6,343 |
| Net loans and leases to core deposits | 58.2261% | 5,988 |
| Total domestic deposits to total assets | 74.7184% | 6,645 |
| Equity capital to assets | 11.7109% | 2,331 |
| Core capital (leverage) ratio | 9.4547% | 4,101 |
| Tier 1 risk-based capital ratio | 18.0731% | 2,168 |
| Total risk-based capital ratio | 18.5591% | 2,438 |
| Memoranda: | ||
| Average total assets | $101,600,600 | 4,852 |
| Average earning assets | $92,338,400 | 4,845 |
| Average equity | $11,686,000 | 4,619 |
| Average total loans | $41,110,800 | 5,638 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 4,605 |
| Cost of funding earning assets | 1.2463% | 2,018 |
| Net interest margin | 3.4203% | 5,506 |
| Noninterest income to average assets | 0.3954% | 4,700 |
| Noninterest expense to average assets | 2.1603% | 6,369 |
| Loan and lease loss provision to assets | 0.0664% | 5,627 |
| Net operating income to assets | 0.9713% | 2,432 |
| Return on assets (ROA) | 0.9713% | 2,600 |
| Pretax return on assets | 1.2752% | 2,380 |
| Return on Equity (ROE) | 8.4857% | 2,825 |
| Retained earnings to average equity (ytd only) | 6.9207% | 2,015 |
| Net charge-offs to loans | -0.0032% | 6,682 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8333% | 5,750 |
| Assets per employee ($millions) | 4.7036% | 2,618 |
| Cash dividends to net income (ytd only)* | 18.4430% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 7,084 |
| Loan loss allowance to noncurrent loans | 992.0000% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 5,379 |
| Noncurrent loans to loans | 0.0603% | 6,784 |
| Net loans and leases to total assets | 39.8193% | 6,647 |
| Net loans and leases to deposits | 53.7812% | 6,229 |
| Net loans and leases to core deposits | 63.1243% | 5,704 |
| Total domestic deposits to total assets | 74.0394% | 6,753 |
| Equity capital to assets | 11.9743% | 2,269 |
| Core capital (leverage) ratio | 9.5775% | 4,026 |
| Tier 1 risk-based capital ratio | 17.4949% | 2,445 |
| Total risk-based capital ratio | 17.9434% | 2,733 |
| Memoranda: | ||
| Average total assets | $100,478,500 | 4,915 |
| Average earning assets | $91,257,250 | 4,918 |
| Average equity | $11,501,500 | 4,691 |
| Average total loans | $41,359,250 | 5,675 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 4,740 |
| Cost of funding earning assets | 1.2635% | 2,157 |
| Net interest margin | 3.3899% | 5,585 |
| Noninterest income to average assets | 0.4041% | 4,648 |
| Noninterest expense to average assets | 2.2457% | 6,256 |
| Loan and lease loss provision to assets | 0.0503% | 5,682 |
| Net operating income to assets | 0.9208% | 2,555 |
| Return on assets (ROA) | 0.9208% | 2,653 |
| Pretax return on assets | 1.1882% | 2,528 |
| Return on Equity (ROE) | 8.1749% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.9795% | 2,446 |
| Net charge-offs to loans | 0.0048% | 5,809 |
| Credit loss provision to net charge-offs | 2,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 616.0000% | 48 |
| Efficiency ratio | 62.5505% | 5,491 |
| Assets per employee ($millions) | 4.6496% | 2,614 |
| Cash dividends to net income (ytd only)* | 26.8559% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5342% | 7,204 |
| Loan loss allowance to noncurrent loans | 120.7650% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.9268% | 5,014 |
| Noncurrent loans to loans | 0.4423% | 6,025 |
| Net loans and leases to total assets | 40.2274% | 6,727 |
| Net loans and leases to deposits | 53.9320% | 6,306 |
| Net loans and leases to core deposits | 61.4742% | 5,946 |
| Total domestic deposits to total assets | 74.5892% | 6,773 |
| Equity capital to assets | 11.4947% | 2,503 |
| Core capital (leverage) ratio | 9.5639% | 3,862 |
| Tier 1 risk-based capital ratio | 16.7585% | 2,624 |
| Total risk-based capital ratio | 17.1527% | 3,002 |
| Memoranda: | ||
| Average total assets | $99,478,000 | 4,974 |
| Average earning assets | $90,385,000 | 4,982 |
| Average equity | $11,205,000 | 4,762 |
| Average total loans | $41,328,000 | 5,742 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 4,523 |
| Cost of funding earning assets | 1.2721% | 2,349 |
| Net interest margin | 3.4284% | 5,307 |
| Noninterest income to average assets | 0.4160% | 4,578 |
| Noninterest expense to average assets | 2.0434% | 6,751 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1053% | 1,825 |
| Return on assets (ROA) | 1.1053% | 1,874 |
| Pretax return on assets | 1.4724% | 1,524 |
| Return on Equity (ROE) | 9.9190% | 2,128 |
| Retained earnings to average equity (ytd only) | 6.9909% | 2,148 |
| Net charge-offs to loans | -0.0194% | 6,560 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2645% | 6,476 |
| Assets per employee ($millions) | 4.5346% | 2,828 |
| Cash dividends to net income (ytd only)* | 29.5203% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4756% | 7,301 |
| Loan loss allowance to noncurrent loans | 167.2269% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.9613% | 4,978 |
| Noncurrent loans to loans | 0.2844% | 6,419 |
| Net loans and leases to total assets | 41.7438% | 6,647 |
| Net loans and leases to deposits | 55.7200% | 6,157 |
| Net loans and leases to core deposits | 63.9015% | 5,741 |
| Total domestic deposits to total assets | 74.9171% | 6,807 |
| Equity capital to assets | 11.1266% | 2,561 |
| Core capital (leverage) ratio | 9.4899% | 3,824 |
| Tier 1 risk-based capital ratio | 17.2652% | 2,386 |
| Total risk-based capital ratio | 17.6373% | 2,686 |
| Memoranda: | ||
| Average total assets | $98,071,500 | 5,053 |
| Average earning assets | $88,670,500 | 5,065 |
| Average equity | $10,928,500 | 4,818 |
| Average total loans | $41,307,000 | 5,795 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 4,284 |
| Cost of funding earning assets | 1.4795% | 2,765 |
| Net interest margin | 3.5802% | 4,910 |
| Noninterest income to average assets | 0.3420% | 5,349 |
| Noninterest expense to average assets | 2.1833% | 6,660 |
| Loan and lease loss provision to assets | 0.2462% | 4,824 |
| Net operating income to assets | 0.8963% | 2,403 |
| Return on assets (ROA) | 0.9343% | 2,390 |
| Pretax return on assets | 1.2184% | 2,166 |
| Return on Equity (ROE) | 8.3715% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.7884% | 1,944 |
| Net charge-offs to loans | 0.7993% | 2,638 |
| Credit loss provision to net charge-offs | 70.4819% | 5,855 |
| Earnings coverage of net charge-offs (x) | 4.0512% | 3,089 |
| Efficiency ratio | 58.7427% | 6,241 |
| Assets per employee ($millions) | 4.3810% | 3,068 |
| Cash dividends to net income (ytd only)* | 30.8559% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4832% | 7,369 |
| Loan loss allowance to noncurrent loans | 1,094.4444% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 5,215 |
| Noncurrent loans to loans | 0.0441% | 7,019 |
| Net loans and leases to total assets | 42.0971% | 6,844 |
| Net loans and leases to deposits | 56.5027% | 6,401 |
| Net loans and leases to core deposits | 63.3059% | 6,116 |
| Total domestic deposits to total assets | 74.5046% | 6,828 |
| Equity capital to assets | 11.1608% | 2,544 |
| Core capital (leverage) ratio | 9.3995% | 3,846 |
| Tier 1 risk-based capital ratio | 17.4681% | 2,187 |
| Total risk-based capital ratio | 17.8493% | 2,468 |
| Memoranda: | ||
| Average total assets | $95,040,800 | 5,126 |
| Average earning assets | $86,446,800 | 5,133 |
| Average equity | $10,607,400 | 4,959 |
| Average total loans | $41,536,800 | 5,860 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 4,102 |
| Cost of funding earning assets | 1.5239% | 2,812 |
| Net interest margin | 3.6203% | 4,784 |
| Noninterest income to average assets | 0.3618% | 5,265 |
| Noninterest expense to average assets | 2.1638% | 6,703 |
| Loan and lease loss provision to assets | 0.3294% | 3,960 |
| Net operating income to assets | 0.8887% | 2,654 |
| Return on assets (ROA) | 0.9390% | 2,590 |
| Pretax return on assets | 1.2290% | 2,393 |
| Return on Equity (ROE) | 8.4135% | 2,733 |
| Retained earnings to average equity (ytd only) | 5.7141% | 2,536 |
| Net charge-offs to loans | 0.8819% | 2,241 |
| Credit loss provision to net charge-offs | 84.7826% | 4,970 |
| Earnings coverage of net charge-offs (x) | 3.8406% | 3,279 |
| Efficiency ratio | 57.2969% | 6,378 |
| Assets per employee ($millions) | 4.3595% | 3,149 |
| Cash dividends to net income (ytd only)* | 32.0844% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5966% | 7,357 |
| Loan loss allowance to noncurrent loans | 69.3151% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 5,119 |
| Noncurrent loans to loans | 0.8607% | 5,501 |
| Net loans and leases to total assets | 43.9506% | 6,848 |
| Net loans and leases to deposits | 60.7444% | 6,244 |
| Net loans and leases to core deposits | 68.0853% | 5,927 |
| Total domestic deposits to total assets | 72.3532% | 7,100 |
| Equity capital to assets | 11.8538% | 2,247 |
| Core capital (leverage) ratio | 9.4324% | 4,012 |
| Tier 1 risk-based capital ratio | 16.6378% | 2,491 |
| Total risk-based capital ratio | 17.1134% | 2,777 |
| Memoranda: | ||
| Average total assets | $94,705,500 | 5,201 |
| Average earning assets | $86,177,750 | 5,199 |
| Average equity | $10,570,000 | 5,033 |
| Average total loans | $41,728,250 | 5,925 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2133% | 3,883 |
| Cost of funding earning assets | 1.5782% | 2,785 |
| Net interest margin | 3.6351% | 4,663 |
| Noninterest income to average assets | 0.3839% | 5,050 |
| Noninterest expense to average assets | 2.2078% | 6,628 |
| Loan and lease loss provision to assets | 0.0297% | 6,650 |
| Net operating income to assets | 1.0778% | 1,925 |
| Return on assets (ROA) | 1.1516% | 1,755 |
| Pretax return on assets | 1.5630% | 1,398 |
| Return on Equity (ROE) | 10.5399% | 1,912 |
| Retained earnings to average equity (ytd only) | 8.3271% | 1,321 |
| Net charge-offs to loans | 0.2891% | 3,890 |
| Credit loss provision to net charge-offs | 23.3333% | 5,820 |
| Earnings coverage of net charge-offs (x) | 11.7333% | 1,734 |
| Efficiency ratio | 57.7650% | 6,408 |
| Assets per employee ($millions) | 4.2795% | 3,253 |
| Cash dividends to net income (ytd only)* | 20.9945% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5885% | 7,428 |
| Loan loss allowance to noncurrent loans | 28.9535% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 1.2554% | 4,638 |
| Noncurrent loans to loans | 2.0326% | 3,677 |
| Net loans and leases to total assets | 44.6745% | 6,872 |
| Net loans and leases to deposits | 61.5404% | 6,271 |
| Net loans and leases to core deposits | 69.0986% | 5,963 |
| Total domestic deposits to total assets | 72.5937% | 7,132 |
| Equity capital to assets | 11.5858% | 2,373 |
| Core capital (leverage) ratio | 9.4574% | 3,884 |
| Tier 1 risk-based capital ratio | 16.8961% | 2,325 |
| Total risk-based capital ratio | 17.3736% | 2,581 |
| Memoranda: | ||
| Average total assets | $94,304,000 | 5,239 |
| Average earning assets | $86,049,330 | 5,233 |
| Average equity | $10,303,670 | 5,116 |
| Average total loans | $41,502,330 | 5,981 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2044% | 3,990 |
| Cost of funding earning assets | 1.5678% | 3,153 |
| Net interest margin | 3.6366% | 4,552 |
| Noninterest income to average assets | 0.3518% | 5,327 |
| Noninterest expense to average assets | 2.1360% | 6,849 |
| Loan and lease loss provision to assets | 0.0593% | 6,049 |
| Net operating income to assets | 1.1019% | 1,825 |
| Return on assets (ROA) | 1.1019% | 1,911 |
| Pretax return on assets | 1.4791% | 1,572 |
| Return on Equity (ROE) | 10.3984% | 1,983 |
| Retained earnings to average equity (ytd only) | 7.6389% | 1,863 |
| Net charge-offs to loans | 0.5061% | 2,552 |
| Credit loss provision to net charge-offs | 26.9231% | 4,863 |
| Earnings coverage of net charge-offs (x) | 6.9808% | 2,145 |
| Efficiency ratio | 56.2860% | 6,729 |
| Assets per employee ($millions) | 4.3106% | 3,272 |
| Cash dividends to net income (ytd only)* | 26.5385% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 7,494 |
| Loan loss allowance to noncurrent loans | 20.2522% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 1.7989% | 3,789 |
| Noncurrent loans to loans | 2.9740% | 2,699 |
| Net loans and leases to total assets | 44.7234% | 6,930 |
| Net loans and leases to deposits | 63.3768% | 6,126 |
| Net loans and leases to core deposits | 71.4950% | 5,770 |
| Total domestic deposits to total assets | 70.5675% | 7,376 |
| Equity capital to assets | 10.7947% | 2,960 |
| Core capital (leverage) ratio | 9.1951% | 4,234 |
| Tier 1 risk-based capital ratio | 15.4119% | 2,910 |
| Total risk-based capital ratio | 15.8748% | 3,269 |
| Memoranda: | ||
| Average total assets | $94,381,000 | 5,301 |
| Average earning assets | $86,235,500 | 5,300 |
| Average equity | $10,001,500 | 5,236 |
| Average total loans | $41,098,500 | 6,068 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6927% | 3,139 |
| Cost of funding earning assets | 2.1343% | 2,311 |
| Net interest margin | 3.5584% | 4,702 |
| Noninterest income to average assets | 0.4322% | 4,938 |
| Noninterest expense to average assets | 2.0867% | 7,211 |
| Loan and lease loss provision to assets | 0.7027% | 3,014 |
| Net operating income to assets | 0.6908% | 2,970 |
| Return on assets (ROA) | 0.7506% | 2,808 |
| Pretax return on assets | 0.9571% | 2,738 |
| Return on Equity (ROE) | 7.8354% | 2,447 |
| Retained earnings to average equity (ytd only) | 5.3792% | 1,634 |
| Net charge-offs to loans | 1.3476% | 1,850 |
| Credit loss provision to net charge-offs | 121.7712% | 4,356 |
| Earnings coverage of net charge-offs (x) | 2.7435% | 3,725 |
| Efficiency ratio | 54.9463% | 7,138 |
| Assets per employee ($millions) | 4.2695% | 3,316 |
| Cash dividends to net income (ytd only)* | 31.3475% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 7,275 |
| Loan loss allowance to noncurrent loans | 28.6408% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 1.3755% | 4,361 |
| Noncurrent loans to loans | 2.6058% | 2,952 |
| Net loans and leases to total assets | 41.7682% | 7,258 |
| Net loans and leases to deposits | 56.4384% | 6,896 |
| Net loans and leases to core deposits | 69.1276% | 6,822 |
| Total domestic deposits to total assets | 74.0067% | 7,011 |
| Equity capital to assets | 10.3973% | 3,289 |
| Core capital (leverage) ratio | 8.9080% | 4,578 |
| Tier 1 risk-based capital ratio | 16.6474% | 2,259 |
| Total risk-based capital ratio | 17.2357% | 2,460 |
| Memoranda: | ||
| Average total assets | $93,929,000 | 5,269 |
| Average earning assets | $85,459,800 | 5,283 |
| Average equity | $8,997,600 | 5,602 |
| Average total loans | $40,219,800 | 6,098 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7408% | 3,131 |
| Cost of funding earning assets | 2.2354% | 2,253 |
| Net interest margin | 3.5054% | 4,842 |
| Noninterest income to average assets | 0.4628% | 4,797 |
| Noninterest expense to average assets | 2.0355% | 7,319 |
| Loan and lease loss provision to assets | 0.7367% | 2,536 |
| Net operating income to assets | 0.6939% | 3,231 |
| Return on assets (ROA) | 0.6984% | 3,274 |
| Pretax return on assets | 0.8815% | 3,282 |
| Return on Equity (ROE) | 7.4497% | 2,884 |
| Retained earnings to average equity (ytd only) | 5.2844% | 2,323 |
| Net charge-offs to loans | 1.6174% | 1,261 |
| Credit loss provision to net charge-offs | 105.9184% | 4,802 |
| Earnings coverage of net charge-offs (x) | 2.3184% | 4,088 |
| Efficiency ratio | 53.8911% | 7,244 |
| Assets per employee ($millions) | 4.5350% | 2,809 |
| Cash dividends to net income (ytd only)* | 29.0649% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5035% | 7,710 |
| Loan loss allowance to noncurrent loans | 15.6179% | 7,302 |
| Noncurrent assets plus other real estate owned to assets | 1.5709% | 4,002 |
| Noncurrent loans to loans | 3.2238% | 2,347 |
| Net loans and leases to total assets | 42.7463% | 7,324 |
| Net loans and leases to deposits | 58.7499% | 6,915 |
| Net loans and leases to core deposits | 73.3482% | 6,764 |
| Total domestic deposits to total assets | 72.7597% | 7,110 |
| Equity capital to assets | 10.1739% | 3,877 |
| Core capital (leverage) ratio | 8.9946% | 4,659 |
| Tier 1 risk-based capital ratio | 15.7207% | 2,731 |
| Total risk-based capital ratio | 16.1159% | 3,046 |
| Memoranda: | ||
| Average total assets | $93,929,250 | 5,303 |
| Average earning assets | $85,351,500 | 5,324 |
| Average equity | $8,805,500 | 5,719 |
| Average total loans | $40,393,000 | 6,136 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7856% | 3,120 |
| Cost of funding earning assets | 2.3335% | 2,223 |
| Net interest margin | 3.4520% | 4,978 |
| Noninterest income to average assets | 0.4963% | 4,480 |
| Noninterest expense to average assets | 2.1221% | 7,233 |
| Loan and lease loss provision to assets | 0.8813% | 1,913 |
| Net operating income to assets | 0.5384% | 3,944 |
| Return on assets (ROA) | 0.5476% | 4,012 |
| Pretax return on assets | 0.6396% | 4,200 |
| Return on Equity (ROE) | 6.0157% | 3,638 |
| Retained earnings to average equity (ytd only) | 4.3708% | 2,869 |
| Net charge-offs to loans | 1.3775% | 1,360 |
| Credit loss provision to net charge-offs | 148.7365% | 3,104 |
| Earnings coverage of net charge-offs (x) | 2.5487% | 3,793 |
| Efficiency ratio | 56.4782% | 7,059 |
| Assets per employee ($millions) | 4.3753% | 2,979 |
| Cash dividends to net income (ytd only)* | 27.3438% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 7,248 |
| Loan loss allowance to noncurrent loans | 34.6282% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 1.1733% | 4,596 |
| Noncurrent loans to loans | 2.2283% | 3,220 |
| Net loans and leases to total assets | 43.6674% | 7,350 |
| Net loans and leases to deposits | 61.9444% | 6,734 |
| Net loans and leases to core deposits | 74.3964% | 6,766 |
| Total domestic deposits to total assets | 70.4944% | 7,422 |
| Equity capital to assets | 9.1270% | 5,127 |
| Core capital (leverage) ratio | 8.8843% | 4,811 |
| Tier 1 risk-based capital ratio | 15.7141% | 2,722 |
| Total risk-based capital ratio | 16.3256% | 2,921 |
| Memoranda: | ||
| Average total assets | $93,494,330 | 5,360 |
| Average earning assets | $84,935,330 | 5,383 |
| Average equity | $8,511,000 | 5,841 |
| Average total loans | $40,219,000 | 6,196 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7729% | 3,422 |
| Cost of funding earning assets | 2.3719% | 2,407 |
| Net interest margin | 3.4011% | 5,137 |
| Noninterest income to average assets | 0.3860% | 5,329 |
| Noninterest expense to average assets | 1.8791% | 7,586 |
| Loan and lease loss provision to assets | 1.1707% | 1,109 |
| Net operating income to assets | 0.3860% | 4,912 |
| Return on assets (ROA) | 0.3860% | 5,095 |
| Pretax return on assets | 0.4199% | 5,338 |
| Return on Equity (ROE) | 4.2456% | 4,817 |
| Retained earnings to average equity (ytd only) | 3.4992% | 3,950 |
| Net charge-offs to loans | 2.4432% | 582 |
| Credit loss provision to net charge-offs | 112.6531% | 3,443 |
| Earnings coverage of net charge-offs (x) | 1.5306% | 3,961 |
| Efficiency ratio | 52.2005% | 7,395 |
| Assets per employee ($millions) | 4.4843% | 2,745 |
| Cash dividends to net income (ytd only)* | 17.5824% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5164% | 7,801 |
| Loan loss allowance to noncurrent loans | 21.1597% | 7,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2520% | 4,172 |
| Noncurrent loans to loans | 2.4404% | 2,701 |
| Net loans and leases to total assets | 42.5528% | 7,431 |
| Net loans and leases to deposits | 62.1985% | 6,722 |
| Net loans and leases to core deposits | 73.3382% | 6,845 |
| Total domestic deposits to total assets | 68.4146% | 7,562 |
| Equity capital to assets | 9.0772% | 5,253 |
| Core capital (leverage) ratio | 8.7531% | 5,059 |
| Tier 1 risk-based capital ratio | 15.5926% | 2,818 |
| Total risk-based capital ratio | 16.0036% | 3,112 |
| Memoranda: | ||
| Average total assets | $94,301,000 | 5,363 |
| Average earning assets | $85,502,500 | 5,379 |
| Average equity | $8,573,500 | 5,856 |
| Average total loans | $40,111,500 | 6,235 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0017% | 5,537 |
| Cost of funding earning assets | 2.7902% | 2,745 |
| Net interest margin | 3.2114% | 6,336 |
| Noninterest income to average assets | 0.4019% | 5,454 |
| Noninterest expense to average assets | 1.9120% | 7,595 |
| Loan and lease loss provision to assets | 0.2293% | 4,595 |
| Net operating income to assets | 0.8626% | 3,159 |
| Return on assets (ROA) | 0.9844% | 2,497 |
| Pretax return on assets | 1.3341% | 2,189 |
| Return on Equity (ROE) | 10.1392% | 2,208 |
| Retained earnings to average equity (ytd only) | 7.2155% | 1,081 |
| Net charge-offs to loans | 0.5536% | 2,166 |
| Credit loss provision to net charge-offs | 92.2374% | 5,628 |
| Earnings coverage of net charge-offs (x) | 5.6256% | 3,580 |
| Efficiency ratio | 55.4870% | 7,090 |
| Assets per employee ($millions) | 4.4968% | 2,622 |
| Cash dividends to net income (ytd only)* | 28.8351% | 4,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4431% | 7,930 |
| Loan loss allowance to noncurrent loans | 13.8066% | 7,431 |
| Noncurrent assets plus other real estate owned to assets | 1.4593% | 3,300 |
| Noncurrent loans to loans | 3.2096% | 1,637 |
| Net loans and leases to total assets | 42.1107% | 7,580 |
| Net loans and leases to deposits | 62.3086% | 6,918 |
| Net loans and leases to core deposits | 72.5128% | 7,043 |
| Total domestic deposits to total assets | 67.5841% | 7,509 |
| Equity capital to assets | 9.1060% | 5,219 |
| Core capital (leverage) ratio | 8.9680% | 4,784 |
| Tier 1 risk-based capital ratio | 15.3027% | 2,918 |
| Total risk-based capital ratio | 15.6500% | 3,261 |
| Memoranda: | ||
| Average total assets | $88,075,600 | 5,417 |
| Average earning assets | $79,777,800 | 5,438 |
| Average equity | $8,551,000 | 5,889 |
| Average total loans | $39,558,400 | 6,183 |