Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4006% | 717 |
| Cost of funding earning assets | 1.9305% | 2,112 |
| Net interest margin | 4.4700% | 653 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.3750% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.8172% | 618 |
| Return on assets (ROA) | 1.8172% | 614 |
| Pretax return on assets | 2.3821% | 378 |
| Return on Equity (ROE) | 18.9800% | 536 |
| Retained earnings to average equity (ytd only) | 14.3689% | 492 |
| Net charge-offs to loans | 0.0121% | 1,806 |
| Credit loss provision to net charge-offs | 100.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 348 |
| Efficiency ratio | 49.9258% | 3,892 |
| Assets per employee ($millions) | 4.0170% | 4,089 |
| Cash dividends to net income (ytd only)* | 24.2876% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2486% | 4,348 |
| Loan loss allowance to noncurrent loans | 296.4758% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,215 |
| Noncurrent loans to loans | 0.0838% | 3,245 |
| Net loans and leases to total assets | 78.1800% | 815 |
| Net loans and leases to deposits | 90.7849% | 1,034 |
| Net loans and leases to core deposits | 104.8642% | 1,082 |
| Total domestic deposits to total assets | 86.1200% | 2,264 |
| Equity capital to assets | 9.6633% | 2,456 |
| Core capital (leverage) ratio | 11.4378% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2232% | 1,446 |
| Memoranda: | ||
| Average total assets | $339,869,000 | 2,299 |
| Average earning assets | $319,909,000 | 2,275 |
| Average equity | $32,542,500 | 2,327 |
| Average total loans | $264,963,000 | 2,035 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0602% | 1,209 |
| Cost of funding earning assets | 1.8410% | 2,623 |
| Net interest margin | 4.2192% | 913 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 2.2977% | 2,876 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.6102% | 764 |
| Return on assets (ROA) | 1.6102% | 756 |
| Pretax return on assets | 2.0570% | 546 |
| Return on Equity (ROE) | 16.9200% | 676 |
| Retained earnings to average equity (ytd only) | 12.1694% | 283 |
| Net charge-offs to loans | 0.0091% | 2,571 |
| Credit loss provision to net charge-offs | 657.1429% | 518 |
| Earnings coverage of net charge-offs (x) | 316.0000% | 362 |
| Efficiency ratio | 52.1971% | 3,871 |
| Assets per employee ($millions) | 3.9326% | 4,114 |
| Cash dividends to net income (ytd only)* | 28.0622% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2597% | 4,370 |
| Loan loss allowance to noncurrent loans | 200.8955% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 2,992 |
| Noncurrent loans to loans | 0.1293% | 3,009 |
| Net loans and leases to total assets | 77.3300% | 974 |
| Net loans and leases to deposits | 89.2347% | 1,277 |
| Net loans and leases to core deposits | 104.4669% | 1,210 |
| Total domestic deposits to total assets | 86.6600% | 1,984 |
| Equity capital to assets | 9.4838% | 2,467 |
| Core capital (leverage) ratio | 11.5126% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3690% | 1,428 |
| Memoranda: | ||
| Average total assets | $315,363,800 | 2,388 |
| Average earning assets | $296,193,800 | 2,370 |
| Average equity | $30,017,800 | 2,376 |
| Average total loans | $230,731,400 | 2,188 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9514% | 1,322 |
| Cost of funding earning assets | 1.8143% | 2,673 |
| Net interest margin | 4.1371% | 973 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 2.4195% | 2,459 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.4254% | 1,058 |
| Return on assets (ROA) | 1.4254% | 1,053 |
| Pretax return on assets | 1.8559% | 803 |
| Return on Equity (ROE) | 14.9600% | 963 |
| Retained earnings to average equity (ytd only) | 10.2306% | 802 |
| Net charge-offs to loans | 0.0101% | 2,268 |
| Credit loss provision to net charge-offs | 805.8824% | 457 |
| Earnings coverage of net charge-offs (x) | 263.0588% | 426 |
| Efficiency ratio | 55.7622% | 3,568 |
| Assets per employee ($millions) | 4.0005% | 4,121 |
| Cash dividends to net income (ytd only)* | 31.6170% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2732% | 4,404 |
| Loan loss allowance to noncurrent loans | 143.2203% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 2,742 |
| Noncurrent loans to loans | 0.1907% | 2,781 |
| Net loans and leases to total assets | 76.1600% | 1,108 |
| Net loans and leases to deposits | 91.5348% | 1,091 |
| Net loans and leases to core deposits | 102.8979% | 1,304 |
| Total domestic deposits to total assets | 83.2000% | 2,788 |
| Equity capital to assets | 9.7740% | 2,440 |
| Core capital (leverage) ratio | 11.5482% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5039% | 1,413 |
| Memoranda: | ||
| Average total assets | $310,636,000 | 2,407 |
| Average earning assets | $291,598,250 | 2,386 |
| Average equity | $29,596,750 | 2,389 |
| Average total loans | $223,622,250 | 2,202 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8421% | 1,392 |
| Cost of funding earning assets | 1.7703% | 2,699 |
| Net interest margin | 4.0719% | 1,033 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 2.4470% | 2,387 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3431% | 1,183 |
| Return on assets (ROA) | 1.3431% | 1,195 |
| Pretax return on assets | 1.7448% | 923 |
| Return on Equity (ROE) | 14.2300% | 1,120 |
| Retained earnings to average equity (ytd only) | 9.5554% | 975 |
| Net charge-offs to loans | 0.0102% | 2,033 |
| Credit loss provision to net charge-offs | 818.1818% | 459 |
| Earnings coverage of net charge-offs (x) | 251.2727% | 430 |
| Efficiency ratio | 57.5422% | 3,433 |
| Assets per employee ($millions) | 3.7991% | 4,186 |
| Cash dividends to net income (ytd only)* | 32.8307% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2751% | 4,423 |
| Loan loss allowance to noncurrent loans | 186.7647% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 2,932 |
| Noncurrent loans to loans | 0.1473% | 2,913 |
| Net loans and leases to total assets | 72.1400% | 1,630 |
| Net loans and leases to deposits | 84.4576% | 1,798 |
| Net loans and leases to core deposits | 94.9036% | 1,800 |
| Total domestic deposits to total assets | 85.4200% | 2,181 |
| Equity capital to assets | 9.1565% | 2,630 |
| Core capital (leverage) ratio | 11.4785% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8346% | 1,313 |
| Memoranda: | ||
| Average total assets | $306,167,333 | 2,418 |
| Average earning assets | $287,191,000 | 2,401 |
| Average equity | $28,905,000 | 2,393 |
| Average total loans | $215,678,667 | 2,247 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7334% | 1,430 |
| Cost of funding earning assets | 1.6896% | 2,780 |
| Net interest margin | 4.0439% | 1,029 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.3598% | 2,629 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 1.4188% | 1,027 |
| Return on assets (ROA) | 1.4188% | 1,034 |
| Pretax return on assets | 1.8499% | 771 |
| Return on Equity (ROE) | 14.7900% | 1,021 |
| Retained earnings to average equity (ytd only) | 10.6168% | 973 |
| Net charge-offs to loans | 0.0058% | 1,902 |
| Credit loss provision to net charge-offs | 233.3333% | 758 |
| Earnings coverage of net charge-offs (x) | 464.6667% | 208 |
| Efficiency ratio | 55.9140% | 3,607 |
| Assets per employee ($millions) | 3.6170% | 4,249 |
| Cash dividends to net income (ytd only)* | 28.2220% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2655% | 4,418 |
| Loan loss allowance to noncurrent loans | 90.4685% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 2,336 |
| Noncurrent loans to loans | 0.2934% | 2,261 |
| Net loans and leases to total assets | 69.2500% | 1,886 |
| Net loans and leases to deposits | 78.7769% | 2,165 |
| Net loans and leases to core deposits | 85.4161% | 2,344 |
| Total domestic deposits to total assets | 87.9000% | 1,457 |
| Equity capital to assets | 9.5205% | 2,310 |
| Core capital (leverage) ratio | 12.0443% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9297% | 1,098 |
| Memoranda: | ||
| Average total assets | $299,687,000 | 2,459 |
| Average earning assets | $281,018,000 | 2,443 |
| Average equity | $28,747,000 | 2,411 |
| Average total loans | $208,089,500 | 2,297 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 1,713 |
| Cost of funding earning assets | 1.1956% | 2,815 |
| Net interest margin | 3.9794% | 1,240 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.4690% | 2,386 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.5605% | 917 |
| Return on assets (ROA) | 1.6924% | 705 |
| Pretax return on assets | 2.0987% | 571 |
| Return on Equity (ROE) | 18.6000% | 747 |
| Retained earnings to average equity (ytd only) | 13.9393% | 406 |
| Net charge-offs to loans | 0.0210% | 1,921 |
| Credit loss provision to net charge-offs | 94.8718% | 1,903 |
| Earnings coverage of net charge-offs (x) | 141.6667% | 740 |
| Efficiency ratio | 55.8459% | 3,512 |
| Assets per employee ($millions) | 3.6042% | 4,272 |
| Cash dividends to net income (ytd only)* | 25.0522% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2709% | 4,435 |
| Loan loss allowance to noncurrent loans | 96.8641% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,255 |
| Noncurrent loans to loans | 0.2797% | 2,178 |
| Net loans and leases to total assets | 69.2500% | 1,894 |
| Net loans and leases to deposits | 77.8822% | 2,275 |
| Net loans and leases to core deposits | 83.7639% | 2,472 |
| Total domestic deposits to total assets | 88.9200% | 1,094 |
| Equity capital to assets | 9.6661% | 2,228 |
| Core capital (leverage) ratio | 12.1925% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0860% | 1,066 |
| Memoranda: | ||
| Average total assets | $283,027,600 | 2,506 |
| Average earning assets | $264,814,400 | 2,494 |
| Average equity | $25,754,600 | 2,475 |
| Average total loans | $185,786,800 | 2,387 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 1,745 |
| Cost of funding earning assets | 1.0761% | 2,810 |
| Net interest margin | 3.9673% | 1,270 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 2.5594% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4652% | 1,198 |
| Return on assets (ROA) | 1.6387% | 872 |
| Pretax return on assets | 2.1260% | 622 |
| Return on Equity (ROE) | 18.3100% | 910 |
| Retained earnings to average equity (ytd only) | 13.5186% | 742 |
| Net charge-offs to loans | 0.0251% | 1,578 |
| Credit loss provision to net charge-offs | -23.5294% | 4,487 |
| Earnings coverage of net charge-offs (x) | 117.7059% | 849 |
| Efficiency ratio | 57.3120% | 3,278 |
| Assets per employee ($millions) | 3.4432% | 4,335 |
| Cash dividends to net income (ytd only)* | 26.1628% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2610% | 4,455 |
| Loan loss allowance to noncurrent loans | 97.9127% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 2,353 |
| Noncurrent loans to loans | 0.2666% | 2,284 |
| Net loans and leases to total assets | 68.9900% | 1,947 |
| Net loans and leases to deposits | 76.8681% | 2,347 |
| Net loans and leases to core deposits | 82.9082% | 2,403 |
| Total domestic deposits to total assets | 89.7400% | 1,005 |
| Equity capital to assets | 8.6058% | 2,661 |
| Core capital (leverage) ratio | 12.2226% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8294% | 1,132 |
| Memoranda: | ||
| Average total assets | $279,897,750 | 2,526 |
| Average earning assets | $261,667,250 | 2,513 |
| Average equity | $25,051,250 | 2,499 |
| Average total loans | $180,926,500 | 2,441 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 1,780 |
| Cost of funding earning assets | 0.9676% | 2,710 |
| Net interest margin | 3.9236% | 1,380 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.6301% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1627% | 1,943 |
| Return on assets (ROA) | 1.4248% | 1,252 |
| Pretax return on assets | 1.8141% | 986 |
| Return on Equity (ROE) | 15.7100% | 1,319 |
| Retained earnings to average equity (ytd only) | 10.9508% | 1,194 |
| Net charge-offs to loans | 0.0228% | 1,424 |
| Credit loss provision to net charge-offs | -45.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 918 |
| Efficiency ratio | 63.9545% | 2,494 |
| Assets per employee ($millions) | 3.3642% | 4,373 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2905% | 4,480 |
| Loan loss allowance to noncurrent loans | 89.2074% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 2,133 |
| Noncurrent loans to loans | 0.3257% | 1,967 |
| Net loans and leases to total assets | 65.0200% | 2,277 |
| Net loans and leases to deposits | 72.8700% | 2,585 |
| Net loans and leases to core deposits | 75.2485% | 2,810 |
| Total domestic deposits to total assets | 89.2300% | 1,162 |
| Equity capital to assets | 9.1188% | 2,430 |
| Core capital (leverage) ratio | 11.6935% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8300% | 983 |
| Memoranda: | ||
| Average total assets | $277,935,333 | 2,542 |
| Average earning assets | $260,013,333 | 2,530 |
| Average equity | $25,203,667 | 2,513 |
| Average total loans | $175,347,000 | 2,484 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 1,876 |
| Cost of funding earning assets | 0.8637% | 2,492 |
| Net interest margin | 3.8272% | 1,627 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.3557% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2720% | 1,748 |
| Return on assets (ROA) | 1.7974% | 667 |
| Pretax return on assets | 2.3441% | 445 |
| Return on Equity (ROE) | 19.8800% | 785 |
| Retained earnings to average equity (ytd only) | 15.0910% | 793 |
| Net charge-offs to loans | 0.0023% | 1,948 |
| Credit loss provision to net charge-offs | -800.0000% | 4,647 |
| Earnings coverage of net charge-offs (x) | 1,164.0000% | 87 |
| Efficiency ratio | 58.3840% | 3,148 |
| Assets per employee ($millions) | 3.4227% | 4,428 |
| Cash dividends to net income (ytd only)* | 24.0770% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3108% | 4,532 |
| Loan loss allowance to noncurrent loans | 112.2699% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 2,299 |
| Noncurrent loans to loans | 0.2769% | 2,155 |
| Net loans and leases to total assets | 61.9800% | 2,464 |
| Net loans and leases to deposits | 69.8088% | 2,629 |
| Net loans and leases to core deposits | 71.8903% | 2,823 |
| Total domestic deposits to total assets | 88.7900% | 1,618 |
| Equity capital to assets | 9.1583% | 2,402 |
| Core capital (leverage) ratio | 11.8024% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2781% | 951 |
| Memoranda: | ||
| Average total assets | $277,290,000 | 2,573 |
| Average earning assets | $259,822,000 | 2,562 |
| Average equity | $25,074,500 | 2,544 |
| Average total loans | $171,980,000 | 2,530 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 1,359 |
| Cost of funding earning assets | 0.3911% | 2,168 |
| Net interest margin | 3.7547% | 1,254 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.3689% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3759% | 1,191 |
| Return on assets (ROA) | 1.5399% | 771 |
| Pretax return on assets | 1.9755% | 505 |
| Return on Equity (ROE) | 15.8300% | 1,084 |
| Retained earnings to average equity (ytd only) | 11.0524% | 873 |
| Net charge-offs to loans | 0.0032% | 2,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 913.2000% | 193 |
| Efficiency ratio | 57.2632% | 3,432 |
| Assets per employee ($millions) | 3.3395% | 4,478 |
| Cash dividends to net income (ytd only)* | 30.1735% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3335% | 4,533 |
| Loan loss allowance to noncurrent loans | 76.8595% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 1,812 |
| Noncurrent loans to loans | 0.4339% | 1,623 |
| Net loans and leases to total assets | 61.6600% | 2,478 |
| Net loans and leases to deposits | 68.3031% | 2,710 |
| Net loans and leases to core deposits | 69.8645% | 2,884 |
| Total domestic deposits to total assets | 90.2700% | 1,250 |
| Equity capital to assets | 8.9213% | 2,406 |
| Core capital (leverage) ratio | 11.8944% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4084% | 908 |
| Memoranda: | ||
| Average total assets | $258,262,400 | 2,683 |
| Average earning assets | $241,856,600 | 2,661 |
| Average equity | $25,125,800 | 2,575 |
| Average total loans | $156,002,800 | 2,580 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 1,150 |
| Cost of funding earning assets | 0.3079% | 2,080 |
| Net interest margin | 3.7478% | 1,041 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.4456% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3158% | 1,302 |
| Return on assets (ROA) | 1.5370% | 746 |
| Pretax return on assets | 1.9910% | 475 |
| Return on Equity (ROE) | 15.4600% | 1,088 |
| Retained earnings to average equity (ytd only) | 10.7298% | 1,126 |
| Net charge-offs to loans | 0.0017% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,637.5000% | 79 |
| Efficiency ratio | 58.8361% | 3,278 |
| Assets per employee ($millions) | 3.3960% | 4,504 |
| Cash dividends to net income (ytd only)* | 30.5914% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3532% | 4,562 |
| Loan loss allowance to noncurrent loans | 86.3077% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 1,984 |
| Noncurrent loans to loans | 0.4092% | 1,793 |
| Net loans and leases to total assets | 60.5300% | 2,445 |
| Net loans and leases to deposits | 67.4811% | 2,579 |
| Net loans and leases to core deposits | 69.0823% | 2,716 |
| Total domestic deposits to total assets | 89.7100% | 1,780 |
| Equity capital to assets | 8.8935% | 2,287 |
| Core capital (leverage) ratio | 11.8098% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2071% | 831 |
| Memoranda: | ||
| Average total assets | $255,203,250 | 2,715 |
| Average earning assets | $239,069,000 | 2,692 |
| Average equity | $25,374,250 | 2,604 |
| Average total loans | $153,169,750 | 2,602 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 903 |
| Cost of funding earning assets | 0.2395% | 2,401 |
| Net interest margin | 3.7829% | 780 |
| Noninterest income to average assets | 0.7246% | 1,245 |
| Noninterest expense to average assets | 2.4108% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4639% | 770 |
| Return on assets (ROA) | 1.4626% | 754 |
| Pretax return on assets | 1.8814% | 486 |
| Return on Equity (ROE) | 14.1946% | 1,064 |
| Retained earnings to average equity (ytd only) | 9.5934% | 1,118 |
| Net charge-offs to loans | 0.0026% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,191.5000% | 102 |
| Efficiency ratio | 56.1465% | 3,757 |
| Assets per employee ($millions) | 3.2892% | 4,581 |
| Cash dividends to net income (ytd only)* | 32.4149% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3539% | 4,637 |
| Loan loss allowance to noncurrent loans | 83.4821% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 1,968 |
| Noncurrent loans to loans | 0.4239% | 1,846 |
| Net loans and leases to total assets | 63.1953% | 1,994 |
| Net loans and leases to deposits | 70.8637% | 2,123 |
| Net loans and leases to core deposits | 72.7369% | 2,257 |
| Total domestic deposits to total assets | 89.1787% | 2,098 |
| Equity capital to assets | 9.2912% | 2,166 |
| Core capital (leverage) ratio | 11.8293% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3706% | 803 |
| Memoranda: | ||
| Average total assets | $253,106,667 | 2,758 |
| Average earning assets | $238,811,333 | 2,729 |
| Average equity | $26,080,333 | 2,629 |
| Average total loans | $151,275,000 | 2,628 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 627 |
| Cost of funding earning assets | 0.2333% | 2,345 |
| Net interest margin | 3.8757% | 531 |
| Noninterest income to average assets | 0.9817% | 701 |
| Noninterest expense to average assets | 2.2617% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8449% | 301 |
| Return on assets (ROA) | 1.8424% | 304 |
| Pretax return on assets | 2.3953% | 207 |
| Return on Equity (ROE) | 17.0572% | 416 |
| Retained earnings to average equity (ytd only) | 12.6947% | 503 |
| Net charge-offs to loans | -0.0135% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5339% | 4,381 |
| Assets per employee ($millions) | 3.4901% | 4,562 |
| Cash dividends to net income (ytd only)* | 25.5754% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3863% | 4,649 |
| Loan loss allowance to noncurrent loans | 92.0583% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 2,206 |
| Noncurrent loans to loans | 0.4197% | 1,984 |
| Net loans and leases to total assets | 56.7066% | 2,450 |
| Net loans and leases to deposits | 64.2093% | 2,508 |
| Net loans and leases to core deposits | 65.8924% | 2,636 |
| Total domestic deposits to total assets | 88.3152% | 2,383 |
| Equity capital to assets | 10.2285% | 1,737 |
| Core capital (leverage) ratio | 11.6101% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1972% | 625 |
| Memoranda: | ||
| Average total assets | $254,670,500 | 2,754 |
| Average earning assets | $241,711,000 | 2,724 |
| Average equity | $27,507,500 | 2,632 |
| Average total loans | $147,644,500 | 2,661 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 924 |
| Cost of funding earning assets | 0.2929% | 2,472 |
| Net interest margin | 3.9534% | 785 |
| Noninterest income to average assets | 0.7086% | 1,735 |
| Noninterest expense to average assets | 2.4698% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5969% | 818 |
| Return on assets (ROA) | 1.5969% | 850 |
| Pretax return on assets | 1.9760% | 635 |
| Return on Equity (ROE) | 14.0172% | 1,182 |
| Retained earnings to average equity (ytd only) | 10.7472% | 752 |
| Net charge-offs to loans | 0.0163% | 1,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 198.9167% | 548 |
| Efficiency ratio | 55.5535% | 3,750 |
| Assets per employee ($millions) | 3.4394% | 4,604 |
| Cash dividends to net income (ytd only)* | 23.3281% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3797% | 4,694 |
| Loan loss allowance to noncurrent loans | 13.7619% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.6294% | 246 |
| Noncurrent loans to loans | 2.7592% | 232 |
| Net loans and leases to total assets | 58.8287% | 2,291 |
| Net loans and leases to deposits | 67.3714% | 2,367 |
| Net loans and leases to core deposits | 69.8825% | 2,457 |
| Total domestic deposits to total assets | 87.3200% | 2,375 |
| Equity capital to assets | 11.3903% | 1,563 |
| Core capital (leverage) ratio | 11.6715% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3577% | 712 |
| Memoranda: | ||
| Average total assets | $241,597,200 | 2,783 |
| Average earning assets | $228,385,600 | 2,757 |
| Average equity | $27,523,400 | 2,680 |
| Average total loans | $147,218,000 | 2,654 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 968 |
| Cost of funding earning assets | 0.2982% | 2,606 |
| Net interest margin | 3.9915% | 808 |
| Noninterest income to average assets | 0.4854% | 2,688 |
| Noninterest expense to average assets | 2.4768% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4708% | 1,337 |
| Return on assets (ROA) | 1.4708% | 1,387 |
| Pretax return on assets | 1.7762% | 1,221 |
| Return on Equity (ROE) | 12.9100% | 1,720 |
| Retained earnings to average equity (ytd only) | 9.9748% | 1,320 |
| Net charge-offs to loans | 0.0181% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 159.3500% | 650 |
| Efficiency ratio | 58.2361% | 3,228 |
| Assets per employee ($millions) | 3.2396% | 4,707 |
| Cash dividends to net income (ytd only)* | 22.7359% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3888% | 4,775 |
| Loan loss allowance to noncurrent loans | 13.9827% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.6690% | 271 |
| Noncurrent loans to loans | 2.7809% | 248 |
| Net loans and leases to total assets | 59.7814% | 2,293 |
| Net loans and leases to deposits | 69.0885% | 2,324 |
| Net loans and leases to core deposits | 71.1544% | 2,501 |
| Total domestic deposits to total assets | 86.5286% | 2,542 |
| Equity capital to assets | 11.6608% | 1,566 |
| Core capital (leverage) ratio | 11.4548% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8277% | 848 |
| Memoranda: | ||
| Average total assets | $239,228,250 | 2,824 |
| Average earning assets | $225,805,000 | 2,795 |
| Average equity | $27,254,750 | 2,726 |
| Average total loans | $146,956,000 | 2,701 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 1,260 |
| Cost of funding earning assets | 0.3014% | 2,767 |
| Net interest margin | 3.8519% | 1,063 |
| Noninterest income to average assets | 0.4563% | 2,814 |
| Noninterest expense to average assets | 2.5145% | 2,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2312% | 2,078 |
| Return on assets (ROA) | 1.2312% | 2,145 |
| Pretax return on assets | 1.5825% | 1,786 |
| Return on Equity (ROE) | 10.8939% | 2,458 |
| Retained earnings to average equity (ytd only) | 8.6631% | 1,832 |
| Net charge-offs to loans | 0.0149% | 1,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 171.1818% | 544 |
| Efficiency ratio | 61.3744% | 2,817 |
| Assets per employee ($millions) | 3.2552% | 4,738 |
| Cash dividends to net income (ytd only)* | 20.4778% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3980% | 4,799 |
| Loan loss allowance to noncurrent loans | 53.8318% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 1,874 |
| Noncurrent loans to loans | 0.7394% | 1,612 |
| Net loans and leases to total assets | 59.0365% | 2,538 |
| Net loans and leases to deposits | 68.2309% | 2,596 |
| Net loans and leases to core deposits | 70.4956% | 2,732 |
| Total domestic deposits to total assets | 86.5245% | 2,541 |
| Equity capital to assets | 11.2305% | 1,810 |
| Core capital (leverage) ratio | 11.0081% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3019% | 780 |
| Memoranda: | ||
| Average total assets | $237,982,000 | 2,821 |
| Average earning assets | $224,930,000 | 2,796 |
| Average equity | $26,895,667 | 2,749 |
| Average total loans | $147,336,000 | 2,713 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 1,504 |
| Cost of funding earning assets | 0.3041% | 2,948 |
| Net interest margin | 3.7480% | 1,235 |
| Noninterest income to average assets | 0.4308% | 2,928 |
| Noninterest expense to average assets | 2.2920% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3044% | 1,810 |
| Return on assets (ROA) | 1.3044% | 1,892 |
| Pretax return on assets | 1.6858% | 1,524 |
| Return on Equity (ROE) | 11.5039% | 2,188 |
| Retained earnings to average equity (ytd only) | 11.5039% | 1,270 |
| Net charge-offs to loans | 0.0296% | 1,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 657 |
| Efficiency ratio | 57.6199% | 3,356 |
| Assets per employee ($millions) | 3.2807% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3903% | 4,834 |
| Loan loss allowance to noncurrent loans | 43.4062% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 1,760 |
| Noncurrent loans to loans | 0.8991% | 1,506 |
| Net loans and leases to total assets | 59.7462% | 2,572 |
| Net loans and leases to deposits | 68.6998% | 2,627 |
| Net loans and leases to core deposits | 69.8100% | 2,880 |
| Total domestic deposits to total assets | 86.9671% | 2,321 |
| Equity capital to assets | 10.8826% | 1,950 |
| Core capital (leverage) ratio | 11.5778% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1920% | 766 |
| Memoranda: | ||
| Average total assets | $234,903,500 | 2,825 |
| Average earning assets | $222,307,500 | 2,798 |
| Average equity | $26,634,500 | 2,756 |
| Average total loans | $148,650,500 | 2,709 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 796 |
| Cost of funding earning assets | 0.4001% | 3,578 |
| Net interest margin | 4.3553% | 450 |
| Noninterest income to average assets | 0.5904% | 2,250 |
| Noninterest expense to average assets | 2.5499% | 2,696 |
| Loan and lease loss provision to assets | 0.1344% | 2,677 |
| Net operating income to assets | 1.5730% | 678 |
| Return on assets (ROA) | 1.5756% | 733 |
| Pretax return on assets | 2.0010% | 452 |
| Return on Equity (ROE) | 13.1220% | 1,013 |
| Retained earnings to average equity (ytd only) | 7.2307% | 1,304 |
| Net charge-offs to loans | 0.0240% | 2,561 |
| Credit loss provision to net charge-offs | 770.2703% | 931 |
| Earnings coverage of net charge-offs (x) | 122.1892% | 699 |
| Efficiency ratio | 54.4621% | 4,161 |
| Assets per employee ($millions) | 2.9441% | 4,822 |
| Cash dividends to net income (ytd only)* | 44.8967% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3921% | 4,860 |
| Loan loss allowance to noncurrent loans | 37.9199% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 1,505 |
| Noncurrent loans to loans | 1.0340% | 1,378 |
| Net loans and leases to total assets | 66.6494% | 1,998 |
| Net loans and leases to deposits | 77.6129% | 2,109 |
| Net loans and leases to core deposits | 79.2515% | 2,424 |
| Total domestic deposits to total assets | 85.8742% | 2,416 |
| Equity capital to assets | 11.8398% | 1,656 |
| Core capital (leverage) ratio | 11.7928% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0315% | 898 |
| Memoranda: | ||
| Average total assets | $212,048,400 | 2,846 |
| Average earning assets | $199,204,400 | 2,829 |
| Average equity | $25,461,000 | 2,765 |
| Average total loans | $154,474,800 | 2,622 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 731 |
| Cost of funding earning assets | 0.4247% | 3,673 |
| Net interest margin | 4.4758% | 402 |
| Noninterest income to average assets | 0.6267% | 2,079 |
| Noninterest expense to average assets | 2.5955% | 2,539 |
| Loan and lease loss provision to assets | 0.1435% | 2,586 |
| Net operating income to assets | 1.6797% | 601 |
| Return on assets (ROA) | 1.6838% | 659 |
| Pretax return on assets | 2.0925% | 422 |
| Return on Equity (ROE) | 13.9714% | 883 |
| Retained earnings to average equity (ytd only) | 9.2102% | 933 |
| Net charge-offs to loans | 0.0240% | 2,362 |
| Credit loss provision to net charge-offs | 803.5714% | 977 |
| Earnings coverage of net charge-offs (x) | 124.9643% | 678 |
| Efficiency ratio | 53.7781% | 4,173 |
| Assets per employee ($millions) | 2.7707% | 4,891 |
| Cash dividends to net income (ytd only)* | 34.0780% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3431% | 4,915 |
| Loan loss allowance to noncurrent loans | 34.4695% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7483% | 1,553 |
| Noncurrent loans to loans | 0.9953% | 1,507 |
| Net loans and leases to total assets | 74.9277% | 1,247 |
| Net loans and leases to deposits | 90.8311% | 1,178 |
| Net loans and leases to core deposits | 93.1253% | 1,700 |
| Total domestic deposits to total assets | 82.4913% | 3,290 |
| Equity capital to assets | 12.7104% | 1,324 |
| Core capital (leverage) ratio | 12.2573% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5493% | 964 |
| Memoranda: | ||
| Average total assets | $209,122,250 | 2,854 |
| Average earning assets | $196,221,000 | 2,843 |
| Average equity | $25,203,250 | 2,777 |
| Average total loans | $155,664,250 | 2,615 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 1,010 |
| Cost of funding earning assets | 0.4689% | 3,709 |
| Net interest margin | 4.4113% | 601 |
| Noninterest income to average assets | 0.5745% | 2,232 |
| Noninterest expense to average assets | 2.6264% | 2,584 |
| Loan and lease loss provision to assets | 0.1575% | 2,420 |
| Net operating income to assets | 1.5566% | 835 |
| Return on assets (ROA) | 1.5566% | 907 |
| Pretax return on assets | 1.9297% | 639 |
| Return on Equity (ROE) | 13.1530% | 1,067 |
| Retained earnings to average equity (ytd only) | 8.3144% | 1,219 |
| Net charge-offs to loans | 0.0347% | 2,045 |
| Credit loss provision to net charge-offs | 611.1111% | 1,094 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 800 |
| Efficiency ratio | 55.7198% | 3,979 |
| Assets per employee ($millions) | 2.8982% | 4,879 |
| Cash dividends to net income (ytd only)* | 36.7872% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3002% | 4,956 |
| Loan loss allowance to noncurrent loans | 44.3721% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 2,057 |
| Noncurrent loans to loans | 0.6766% | 2,178 |
| Net loans and leases to total assets | 72.8709% | 1,575 |
| Net loans and leases to deposits | 84.9515% | 1,893 |
| Net loans and leases to core deposits | 86.6828% | 2,381 |
| Total domestic deposits to total assets | 85.7794% | 2,100 |
| Equity capital to assets | 11.8122% | 1,778 |
| Core capital (leverage) ratio | 11.7662% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4807% | 1,638 |
| Memoranda: | ||
| Average total assets | $209,563,333 | 2,827 |
| Average earning assets | $196,630,000 | 2,815 |
| Average equity | $24,800,333 | 2,795 |
| Average total loans | $155,474,000 | 2,608 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 1,023 |
| Cost of funding earning assets | 0.5863% | 3,502 |
| Net interest margin | 4.3840% | 648 |
| Noninterest income to average assets | 0.6730% | 1,761 |
| Noninterest expense to average assets | 2.3009% | 3,770 |
| Loan and lease loss provision to assets | 0.1556% | 1,846 |
| Net operating income to assets | 1.8769% | 353 |
| Return on assets (ROA) | 1.8769% | 390 |
| Pretax return on assets | 2.3320% | 225 |
| Return on Equity (ROE) | 15.8440% | 442 |
| Retained earnings to average equity (ytd only) | 10.9184% | 576 |
| Net charge-offs to loans | 0.0286% | 1,806 |
| Credit loss provision to net charge-offs | 727.2727% | 707 |
| Earnings coverage of net charge-offs (x) | 116.2727% | 519 |
| Efficiency ratio | 48.0504% | 4,755 |
| Assets per employee ($millions) | 2.9393% | 4,819 |
| Cash dividends to net income (ytd only)* | 31.0881% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2668% | 5,009 |
| Loan loss allowance to noncurrent loans | 36.3718% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 2,339 |
| Noncurrent loans to loans | 0.7334% | 2,167 |
| Net loans and leases to total assets | 75.0285% | 1,455 |
| Net loans and leases to deposits | 87.6898% | 1,782 |
| Net loans and leases to core deposits | 91.8058% | 2,185 |
| Total domestic deposits to total assets | 85.5612% | 2,189 |
| Equity capital to assets | 12.0760% | 2,012 |
| Core capital (leverage) ratio | 11.9712% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7793% | 1,663 |
| Memoranda: | ||
| Average total assets | $205,661,000 | 2,826 |
| Average earning assets | $193,065,500 | 2,803 |
| Average equity | $24,362,500 | 2,818 |
| Average total loans | $153,773,500 | 2,603 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8756% | 1,825 |
| Cost of funding earning assets | 0.7494% | 2,923 |
| Net interest margin | 4.1262% | 1,477 |
| Noninterest income to average assets | 0.5428% | 2,523 |
| Noninterest expense to average assets | 2.8314% | 2,500 |
| Loan and lease loss provision to assets | 0.0119% | 3,777 |
| Net operating income to assets | 1.2081% | 2,026 |
| Return on assets (ROA) | 1.2077% | 2,117 |
| Pretax return on assets | 1.5985% | 1,490 |
| Return on Equity (ROE) | 10.9253% | 1,915 |
| Retained earnings to average equity (ytd only) | 5.7515% | 2,005 |
| Net charge-offs to loans | 0.0185% | 3,060 |
| Credit loss provision to net charge-offs | 89.2857% | 2,660 |
| Earnings coverage of net charge-offs (x) | 120.7143% | 586 |
| Efficiency ratio | 63.7378% | 3,110 |
| Assets per employee ($millions) | 3.0218% | 4,819 |
| Cash dividends to net income (ytd only)* | 47.3560% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2188% | 5,081 |
| Loan loss allowance to noncurrent loans | 36.1793% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 2,602 |
| Noncurrent loans to loans | 0.6046% | 2,370 |
| Net loans and leases to total assets | 74.1615% | 1,725 |
| Net loans and leases to deposits | 85.6953% | 2,136 |
| Net loans and leases to core deposits | 95.0546% | 1,982 |
| Total domestic deposits to total assets | 86.5410% | 1,829 |
| Equity capital to assets | 11.6222% | 2,406 |
| Core capital (leverage) ratio | 11.1862% | 2,349 |
| Tier 1 risk-based capital ratio | 14.9475% | 2,802 |
| Total risk-based capital ratio | 15.1573% | 3,219 |
| Memoranda: | ||
| Average total assets | $209,822,600 | 2,762 |
| Average earning assets | $198,292,800 | 2,723 |
| Average equity | $23,193,800 | 2,856 |
| Average total loans | $151,636,800 | 2,600 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 2,124 |
| Cost of funding earning assets | 0.7742% | 2,847 |
| Net interest margin | 4.0233% | 1,856 |
| Noninterest income to average assets | 0.5196% | 2,606 |
| Noninterest expense to average assets | 2.8480% | 2,412 |
| Loan and lease loss provision to assets | 0.0159% | 3,591 |
| Net operating income to assets | 1.1876% | 2,240 |
| Return on assets (ROA) | 1.1870% | 2,318 |
| Pretax return on assets | 1.4599% | 2,078 |
| Return on Equity (ROE) | 10.8773% | 2,067 |
| Retained earnings to average equity (ytd only) | 5.6450% | 2,544 |
| Net charge-offs to loans | 0.0203% | 2,704 |
| Credit loss provision to net charge-offs | 108.6957% | 2,110 |
| Earnings coverage of net charge-offs (x) | 101.1604% | 746 |
| Efficiency ratio | 65.8597% | 2,748 |
| Assets per employee ($millions) | 3.2365% | 4,721 |
| Cash dividends to net income (ytd only)* | 48.1027% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2182% | 5,154 |
| Loan loss allowance to noncurrent loans | 25.5004% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 2,186 |
| Noncurrent loans to loans | 0.8557% | 1,875 |
| Net loans and leases to total assets | 70.4370% | 2,406 |
| Net loans and leases to deposits | 80.7513% | 2,827 |
| Net loans and leases to core deposits | 91.4310% | 2,423 |
| Total domestic deposits to total assets | 87.2271% | 1,418 |
| Equity capital to assets | 10.6414% | 3,426 |
| Core capital (leverage) ratio | 11.2388% | 2,433 |
| Tier 1 risk-based capital ratio | 14.4555% | 3,100 |
| Total risk-based capital ratio | 14.6645% | 3,525 |
| Memoranda: | ||
| Average total assets | $210,151,500 | 2,778 |
| Average earning assets | $198,738,250 | 2,743 |
| Average equity | $22,934,000 | 2,893 |
| Average total loans | $150,803,250 | 2,638 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 1,953 |
| Cost of funding earning assets | 0.7920% | 2,685 |
| Net interest margin | 4.0435% | 1,790 |
| Noninterest income to average assets | 0.5317% | 2,492 |
| Noninterest expense to average assets | 2.9247% | 2,210 |
| Loan and lease loss provision to assets | 0.0194% | 3,402 |
| Net operating income to assets | 1.1450% | 2,344 |
| Return on assets (ROA) | 1.1450% | 2,421 |
| Pretax return on assets | 1.4036% | 2,198 |
| Return on Equity (ROE) | 10.3984% | 2,215 |
| Retained earnings to average equity (ytd only) | 5.1021% | 2,719 |
| Net charge-offs to loans | 0.0121% | 2,701 |
| Credit loss provision to net charge-offs | 222.2222% | 1,122 |
| Earnings coverage of net charge-offs (x) | 162.6667% | 459 |
| Efficiency ratio | 67.2703% | 2,643 |
| Assets per employee ($millions) | 2.8059% | 5,009 |
| Cash dividends to net income (ytd only)* | 50.9338% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2287% | 5,209 |
| Loan loss allowance to noncurrent loans | 107.9511% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 3,973 |
| Noncurrent loans to loans | 0.2118% | 3,783 |
| Net loans and leases to total assets | 74.1714% | 1,862 |
| Net loans and leases to deposits | 86.8887% | 2,145 |
| Net loans and leases to core deposits | 99.9163% | 1,730 |
| Total domestic deposits to total assets | 85.3637% | 2,322 |
| Equity capital to assets | 11.2323% | 2,830 |
| Core capital (leverage) ratio | 11.2564% | 2,373 |
| Tier 1 risk-based capital ratio | 14.6473% | 2,999 |
| Total risk-based capital ratio | 14.8682% | 3,417 |
| Memoranda: | ||
| Average total assets | $205,763,330 | 2,821 |
| Average earning assets | $194,189,330 | 2,789 |
| Average equity | $22,657,330 | 2,913 |
| Average total loans | $148,524,000 | 2,671 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,130 |
| Cost of funding earning assets | 0.7716% | 2,678 |
| Net interest margin | 3.9554% | 2,004 |
| Noninterest income to average assets | 0.4648% | 2,771 |
| Noninterest expense to average assets | 3.1168% | 1,697 |
| Loan and lease loss provision to assets | 0.0391% | 2,848 |
| Net operating income to assets | 0.8573% | 3,416 |
| Return on assets (ROA) | 0.8573% | 3,459 |
| Pretax return on assets | 1.0428% | 3,303 |
| Return on Equity (ROE) | 7.8656% | 3,322 |
| Retained earnings to average equity (ytd only) | 2.4905% | 3,927 |
| Net charge-offs to loans | 0.0082% | 2,396 |
| Credit loss provision to net charge-offs | 666.6667% | 496 |
| Earnings coverage of net charge-offs (x) | 184.6667% | 419 |
| Efficiency ratio | 74.2326% | 1,729 |
| Assets per employee ($millions) | 2.7539% | 5,094 |
| Cash dividends to net income (ytd only)* | 68.3371% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2446% | 5,270 |
| Loan loss allowance to noncurrent loans | 112.8931% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 4,036 |
| Noncurrent loans to loans | 0.2166% | 3,814 |
| Net loans and leases to total assets | 70.8978% | 2,342 |
| Net loans and leases to deposits | 81.4467% | 2,675 |
| Net loans and leases to core deposits | 92.6873% | 2,240 |
| Total domestic deposits to total assets | 87.0481% | 1,787 |
| Equity capital to assets | 10.9266% | 2,921 |
| Core capital (leverage) ratio | 11.3197% | 2,273 |
| Tier 1 risk-based capital ratio | 15.1205% | 2,829 |
| Total risk-based capital ratio | 15.3569% | 3,216 |
| Memoranda: | ||
| Average total assets | $204,828,000 | 2,854 |
| Average earning assets | $193,357,500 | 2,820 |
| Average equity | $22,325,000 | 2,942 |
| Average total loans | $145,607,000 | 2,734 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 1,983 |
| Cost of funding earning assets | 0.5697% | 2,924 |
| Net interest margin | 4.0824% | 1,742 |
| Noninterest income to average assets | 0.6367% | 2,118 |
| Noninterest expense to average assets | 2.8199% | 2,621 |
| Loan and lease loss provision to assets | 0.0358% | 3,484 |
| Net operating income to assets | 1.4560% | 1,254 |
| Return on assets (ROA) | 1.4519% | 1,260 |
| Pretax return on assets | 1.6171% | 1,416 |
| Return on Equity (ROE) | 13.3658% | 1,213 |
| Retained earnings to average equity (ytd only) | 7.7163% | 1,368 |
| Net charge-offs to loans | 0.0188% | 3,073 |
| Credit loss provision to net charge-offs | 280.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 129.6400% | 617 |
| Efficiency ratio | 62.9812% | 3,347 |
| Assets per employee ($millions) | 2.7824% | 5,101 |
| Cash dividends to net income (ytd only)* | 42.2684% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2368% | 5,315 |
| Loan loss allowance to noncurrent loans | 120.0000% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 4,037 |
| Noncurrent loans to loans | 0.1973% | 3,871 |
| Net loans and leases to total assets | 70.9352% | 2,428 |
| Net loans and leases to deposits | 81.2629% | 2,823 |
| Net loans and leases to core deposits | 92.6571% | 2,351 |
| Total domestic deposits to total assets | 87.2909% | 1,645 |
| Equity capital to assets | 10.8717% | 2,823 |
| Core capital (leverage) ratio | 11.2505% | 2,305 |
| Tier 1 risk-based capital ratio | 15.6908% | 2,537 |
| Total risk-based capital ratio | 15.9259% | 2,904 |
| Memoranda: | ||
| Average total assets | $195,541,200 | 2,910 |
| Average earning assets | $183,962,600 | 2,877 |
| Average equity | $21,240,800 | 2,962 |
| Average total loans | $133,125,000 | 2,844 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 1,943 |
| Cost of funding earning assets | 0.4722% | 3,382 |
| Net interest margin | 4.1388% | 1,522 |
| Noninterest income to average assets | 0.6624% | 2,016 |
| Noninterest expense to average assets | 2.9613% | 2,140 |
| Loan and lease loss provision to assets | 0.0413% | 3,169 |
| Net operating income to assets | 1.2651% | 1,980 |
| Return on assets (ROA) | 1.2600% | 2,006 |
| Pretax return on assets | 1.5457% | 1,745 |
| Return on Equity (ROE) | 11.6019% | 1,953 |
| Retained earnings to average equity (ytd only) | 5.8961% | 2,707 |
| Net charge-offs to loans | 0.0235% | 2,661 |
| Credit loss provision to net charge-offs | 260.8696% | 1,136 |
| Earnings coverage of net charge-offs (x) | 100.5954% | 747 |
| Efficiency ratio | 65.0189% | 3,030 |
| Assets per employee ($millions) | 2.7281% | 5,197 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2387% | 5,386 |
| Loan loss allowance to noncurrent loans | 84.3434% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 3,860 |
| Noncurrent loans to loans | 0.2830% | 3,671 |
| Net loans and leases to total assets | 70.0916% | 2,630 |
| Net loans and leases to deposits | 83.7449% | 2,628 |
| Net loans and leases to core deposits | 91.6725% | 2,515 |
| Total domestic deposits to total assets | 83.6965% | 3,049 |
| Equity capital to assets | 10.6308% | 3,014 |
| Core capital (leverage) ratio | 11.2914% | 2,337 |
| Tier 1 risk-based capital ratio | 15.5091% | 2,652 |
| Total risk-based capital ratio | 15.7434% | 3,046 |
| Memoranda: | ||
| Average total assets | $193,647,750 | 2,948 |
| Average earning assets | $182,110,000 | 2,921 |
| Average equity | $21,030,500 | 3,002 |
| Average total loans | $130,300,750 | 2,895 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 1,872 |
| Cost of funding earning assets | 0.4350% | 3,464 |
| Net interest margin | 4.1362% | 1,456 |
| Noninterest income to average assets | 0.7215% | 1,783 |
| Noninterest expense to average assets | 2.6421% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6000% | 919 |
| Return on assets (ROA) | 1.5932% | 940 |
| Pretax return on assets | 1.9571% | 670 |
| Return on Equity (ROE) | 14.5637% | 944 |
| Retained earnings to average equity (ytd only) | 8.8450% | 1,264 |
| Net charge-offs to loans | 0.0063% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 471.2500% | 190 |
| Efficiency ratio | 57.3433% | 4,320 |
| Assets per employee ($millions) | 2.7094% | 5,257 |
| Cash dividends to net income (ytd only)* | 39.2670% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2172% | 5,455 |
| Loan loss allowance to noncurrent loans | 83.7143% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 4,083 |
| Noncurrent loans to loans | 0.2594% | 3,775 |
| Net loans and leases to total assets | 69.0109% | 2,723 |
| Net loans and leases to deposits | 84.0516% | 2,531 |
| Net loans and leases to core deposits | 84.9046% | 3,017 |
| Total domestic deposits to total assets | 82.1053% | 3,683 |
| Equity capital to assets | 10.8953% | 2,736 |
| Core capital (leverage) ratio | 11.5879% | 1,993 |
| Tier 1 risk-based capital ratio | 16.2276% | 2,357 |
| Total risk-based capital ratio | 16.4427% | 2,706 |
| Memoranda: | ||
| Average total assets | $191,814,330 | 2,990 |
| Average earning assets | $180,214,000 | 2,962 |
| Average equity | $20,983,670 | 3,022 |
| Average total loans | $127,094,330 | 2,947 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,502 |
| Cost of funding earning assets | 0.4458% | 3,233 |
| Net interest margin | 4.1783% | 1,222 |
| Noninterest income to average assets | 0.8834% | 1,191 |
| Noninterest expense to average assets | 2.6543% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7404% | 627 |
| Return on assets (ROA) | 1.7267% | 660 |
| Pretax return on assets | 2.1348% | 433 |
| Return on Equity (ROE) | 15.7517% | 664 |
| Retained earnings to average equity (ytd only) | 9.9959% | 1,155 |
| Net charge-offs to loans | -0.0195% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2298% | 4,671 |
| Assets per employee ($millions) | 2.6643% | 5,350 |
| Cash dividends to net income (ytd only)* | 36.5408% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2400% | 5,510 |
| Loan loss allowance to noncurrent loans | 81.4516% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 4,097 |
| Noncurrent loans to loans | 0.2946% | 3,711 |
| Net loans and leases to total assets | 66.5819% | 2,956 |
| Net loans and leases to deposits | 76.5154% | 3,156 |
| Net loans and leases to core deposits | 77.2802% | 3,553 |
| Total domestic deposits to total assets | 87.0176% | 2,112 |
| Equity capital to assets | 11.0433% | 2,539 |
| Core capital (leverage) ratio | 11.2801% | 2,184 |
| Tier 1 risk-based capital ratio | 17.1550% | 2,072 |
| Total risk-based capital ratio | 17.3945% | 2,364 |
| Memoranda: | ||
| Average total assets | $190,184,000 | 3,033 |
| Average earning assets | $178,539,500 | 3,008 |
| Average equity | $20,848,500 | 3,065 |
| Average total loans | $123,183,500 | 3,022 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 2,602 |
| Cost of funding earning assets | 0.3502% | 3,720 |
| Net interest margin | 3.8744% | 2,170 |
| Noninterest income to average assets | 0.9546% | 1,126 |
| Noninterest expense to average assets | 3.5253% | 991 |
| Loan and lease loss provision to assets | 0.0430% | 3,385 |
| Net operating income to assets | 0.7643% | 3,323 |
| Return on assets (ROA) | 0.7635% | 3,366 |
| Pretax return on assets | 1.0266% | 3,469 |
| Return on Equity (ROE) | 6.8138% | 3,368 |
| Retained earnings to average equity (ytd only) | 1.0638% | 4,608 |
| Net charge-offs to loans | 0.0589% | 2,629 |
| Credit loss provision to net charge-offs | 126.9841% | 2,070 |
| Earnings coverage of net charge-offs (x) | 31.6508% | 1,495 |
| Efficiency ratio | 76.7056% | 1,519 |
| Assets per employee ($millions) | 2.6556% | 5,399 |
| Cash dividends to net income (ytd only)* | 84.3882% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2473% | 5,571 |
| Loan loss allowance to noncurrent loans | 54.0000% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 3,738 |
| Noncurrent loans to loans | 0.4579% | 3,137 |
| Net loans and leases to total assets | 62.6650% | 3,532 |
| Net loans and leases to deposits | 72.4554% | 3,655 |
| Net loans and leases to core deposits | 73.4341% | 3,927 |
| Total domestic deposits to total assets | 86.4877% | 2,237 |
| Equity capital to assets | 10.8821% | 2,751 |
| Core capital (leverage) ratio | 11.1037% | 2,245 |
| Tier 1 risk-based capital ratio | 17.3064% | 1,994 |
| Total risk-based capital ratio | 17.5491% | 2,271 |
| Memoranda: | ||
| Average total assets | $186,251,200 | 3,058 |
| Average earning assets | $175,047,600 | 3,011 |
| Average equity | $20,869,400 | 3,045 |
| Average total loans | $106,881,400 | 3,230 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 2,925 |
| Cost of funding earning assets | 0.3392% | 3,782 |
| Net interest margin | 3.7787% | 2,472 |
| Noninterest income to average assets | 1.0104% | 1,001 |
| Noninterest expense to average assets | 3.4685% | 1,039 |
| Loan and lease loss provision to assets | 0.0144% | 3,852 |
| Net operating income to assets | 0.7584% | 3,703 |
| Return on assets (ROA) | 0.7574% | 3,767 |
| Pretax return on assets | 1.0745% | 3,405 |
| Return on Equity (ROE) | 6.7096% | 3,807 |
| Retained earnings to average equity (ytd only) | 0.9640% | 4,985 |
| Net charge-offs to loans | 0.0322% | 2,790 |
| Credit loss provision to net charge-offs | 80.0000% | 2,582 |
| Earnings coverage of net charge-offs (x) | 60.5245% | 986 |
| Efficiency ratio | 76.0828% | 1,575 |
| Assets per employee ($millions) | 2.6457% | 5,467 |
| Cash dividends to net income (ytd only)* | 85.6326% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2447% | 5,640 |
| Loan loss allowance to noncurrent loans | 53.5019% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 3,977 |
| Noncurrent loans to loans | 0.4574% | 3,336 |
| Net loans and leases to total assets | 59.6782% | 3,904 |
| Net loans and leases to deposits | 68.5635% | 4,074 |
| Net loans and leases to core deposits | 69.4991% | 4,271 |
| Total domestic deposits to total assets | 87.0408% | 1,859 |
| Equity capital to assets | 11.2833% | 2,585 |
| Core capital (leverage) ratio | 11.0572% | 2,404 |
| Tier 1 risk-based capital ratio | 18.3865% | 1,761 |
| Total risk-based capital ratio | 18.6260% | 1,995 |
| Memoranda: | ||
| Average total assets | $185,013,000 | 3,093 |
| Average earning assets | $173,743,750 | 3,052 |
| Average equity | $20,885,000 | 3,073 |
| Average total loans | $103,573,000 | 3,319 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 2,883 |
| Cost of funding earning assets | 0.2998% | 4,083 |
| Net interest margin | 3.7832% | 2,350 |
| Noninterest income to average assets | 1.1398% | 773 |
| Noninterest expense to average assets | 3.3237% | 1,328 |
| Loan and lease loss provision to assets | 0.0217% | 3,549 |
| Net operating income to assets | 0.9627% | 2,598 |
| Return on assets (ROA) | 0.9627% | 2,655 |
| Pretax return on assets | 1.3451% | 2,230 |
| Return on Equity (ROE) | 8.5267% | 2,762 |
| Retained earnings to average equity (ytd only) | 2.7524% | 4,060 |
| Net charge-offs to loans | 0.0397% | 2,409 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 62.9000% | 921 |
| Efficiency ratio | 70.8594% | 2,529 |
| Assets per employee ($millions) | 2.7387% | 5,457 |
| Cash dividends to net income (ytd only)* | 67.7201% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2605% | 5,684 |
| Loan loss allowance to noncurrent loans | 86.6873% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 4,484 |
| Noncurrent loans to loans | 0.3006% | 3,964 |
| Net loans and leases to total assets | 55.1234% | 4,301 |
| Net loans and leases to deposits | 62.7715% | 4,447 |
| Net loans and leases to core deposits | 63.5942% | 4,631 |
| Total domestic deposits to total assets | 87.8160% | 1,551 |
| Equity capital to assets | 10.9652% | 2,843 |
| Core capital (leverage) ratio | 11.5636% | 1,930 |
| Tier 1 risk-based capital ratio | 18.7581% | 1,649 |
| Total risk-based capital ratio | 19.0053% | 1,891 |
| Memoranda: | ||
| Average total assets | $184,069,330 | 3,113 |
| Average earning assets | $172,763,330 | 3,075 |
| Average equity | $20,781,670 | 3,084 |
| Average total loans | $100,638,330 | 3,388 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 2,753 |
| Cost of funding earning assets | 0.2840% | 4,211 |
| Net interest margin | 3.7896% | 2,154 |
| Noninterest income to average assets | 1.1813% | 730 |
| Noninterest expense to average assets | 3.2532% | 1,468 |
| Loan and lease loss provision to assets | 0.0447% | 2,903 |
| Net operating income to assets | 1.0270% | 2,183 |
| Return on assets (ROA) | 1.0270% | 2,234 |
| Pretax return on assets | 1.4364% | 1,745 |
| Return on Equity (ROE) | 8.9655% | 2,438 |
| Retained earnings to average equity (ytd only) | 3.1057% | 3,859 |
| Net charge-offs to loans | 0.0123% | 2,566 |
| Credit loss provision to net charge-offs | 666.6667% | 475 |
| Earnings coverage of net charge-offs (x) | 220.6667% | 254 |
| Efficiency ratio | 68.7146% | 3,095 |
| Assets per employee ($millions) | 2.5120% | 5,617 |
| Cash dividends to net income (ytd only)* | 65.3595% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3059% | 5,739 |
| Loan loss allowance to noncurrent loans | 81.3699% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 4,356 |
| Noncurrent loans to loans | 0.3760% | 3,746 |
| Net loans and leases to total assets | 54.2676% | 4,319 |
| Net loans and leases to deposits | 62.4361% | 4,408 |
| Net loans and leases to core deposits | 63.2112% | 4,582 |
| Total domestic deposits to total assets | 86.9171% | 2,259 |
| Equity capital to assets | 11.6128% | 2,105 |
| Core capital (leverage) ratio | 11.6929% | 1,833 |
| Tier 1 risk-based capital ratio | 21.1888% | 1,195 |
| Total risk-based capital ratio | 21.4872% | 1,313 |
| Memoranda: | ||
| Average total assets | $178,780,500 | 3,201 |
| Average earning assets | $167,615,000 | 3,165 |
| Average equity | $20,478,500 | 3,128 |
| Average total loans | $97,223,500 | 3,460 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,258 |
| Cost of funding earning assets | 0.2759% | 4,300 |
| Net interest margin | 3.7074% | 2,664 |
| Noninterest income to average assets | 1.1136% | 927 |
| Noninterest expense to average assets | 2.9892% | 2,383 |
| Loan and lease loss provision to assets | 0.0169% | 4,040 |
| Net operating income to assets | 1.1544% | 1,680 |
| Return on assets (ROA) | 1.1575% | 1,754 |
| Pretax return on assets | 1.6505% | 1,129 |
| Return on Equity (ROE) | 10.0604% | 1,931 |
| Retained earnings to average equity (ytd only) | 4.1914% | 2,925 |
| Net charge-offs to loans | 0.0239% | 3,568 |
| Credit loss provision to net charge-offs | 142.8571% | 1,921 |
| Earnings coverage of net charge-offs (x) | 140.7143% | 450 |
| Efficiency ratio | 64.2555% | 3,895 |
| Assets per employee ($millions) | 2.6354% | 5,591 |
| Cash dividends to net income (ytd only)* | 58.3374% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2876% | 5,802 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 4,345 |
| Noncurrent loans to loans | 0.2732% | 4,175 |
| Net loans and leases to total assets | 54.1729% | 4,433 |
| Net loans and leases to deposits | 62.0429% | 4,543 |
| Net loans and leases to core deposits | 62.8128% | 4,705 |
| Total domestic deposits to total assets | 87.3152% | 1,978 |
| Equity capital to assets | 11.1938% | 2,425 |
| Core capital (leverage) ratio | 11.6041% | 1,859 |
| Tier 1 risk-based capital ratio | 20.9577% | 1,215 |
| Total risk-based capital ratio | 21.2406% | 1,344 |
| Memoranda: | ||
| Average total assets | $177,704,000 | 3,190 |
| Average earning assets | $169,605,200 | 3,117 |
| Average equity | $20,446,600 | 3,125 |
| Average total loans | $88,002,400 | 3,619 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 3,520 |
| Cost of funding earning assets | 0.2746% | 4,342 |
| Net interest margin | 3.6448% | 2,915 |
| Noninterest income to average assets | 1.1970% | 804 |
| Noninterest expense to average assets | 3.0361% | 2,210 |
| Loan and lease loss provision to assets | 0.0226% | 3,793 |
| Net operating income to assets | 1.1472% | 1,820 |
| Return on assets (ROA) | 1.1451% | 1,934 |
| Pretax return on assets | 1.6286% | 1,307 |
| Return on Equity (ROE) | 9.8846% | 2,102 |
| Retained earnings to average equity (ytd only) | 4.0434% | 3,424 |
| Net charge-offs to loans | 0.0249% | 3,170 |
| Credit loss provision to net charge-offs | 187.5000% | 1,500 |
| Earnings coverage of net charge-offs (x) | 137.5180% | 502 |
| Efficiency ratio | 64.7323% | 3,803 |
| Assets per employee ($millions) | 2.6199% | 5,664 |
| Cash dividends to net income (ytd only)* | 59.0938% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3130% | 5,847 |
| Loan loss allowance to noncurrent loans | 185.0649% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 4,430 |
| Noncurrent loans to loans | 0.1691% | 4,683 |
| Net loans and leases to total assets | 50.9545% | 4,738 |
| Net loans and leases to deposits | 58.9703% | 4,822 |
| Net loans and leases to core deposits | 59.7148% | 4,946 |
| Total domestic deposits to total assets | 86.4070% | 2,166 |
| Equity capital to assets | 11.8141% | 2,243 |
| Core capital (leverage) ratio | 11.5278% | 2,003 |
| Tier 1 risk-based capital ratio | 22.7897% | 1,030 |
| Total risk-based capital ratio | 23.1064% | 1,133 |
| Memoranda: | ||
| Average total assets | $177,328,500 | 3,208 |
| Average earning assets | $169,953,750 | 3,123 |
| Average equity | $20,543,250 | 3,139 |
| Average total loans | $85,662,750 | 3,693 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 3,588 |
| Cost of funding earning assets | 0.2672% | 4,476 |
| Net interest margin | 3.6390% | 2,937 |
| Noninterest income to average assets | 1.0788% | 966 |
| Noninterest expense to average assets | 3.0657% | 2,154 |
| Loan and lease loss provision to assets | 0.0169% | 3,780 |
| Net operating income to assets | 1.0544% | 2,150 |
| Return on assets (ROA) | 1.0528% | 2,284 |
| Pretax return on assets | 1.4854% | 1,724 |
| Return on Equity (ROE) | 9.1483% | 2,432 |
| Retained earnings to average equity (ytd only) | 3.2588% | 3,817 |
| Net charge-offs to loans | 0.0310% | 2,849 |
| Credit loss provision to net charge-offs | 115.3846% | 1,914 |
| Earnings coverage of net charge-offs (x) | 102.4615% | 564 |
| Efficiency ratio | 67.0786% | 3,523 |
| Assets per employee ($millions) | 2.6621% | 5,699 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3115% | 5,934 |
| Loan loss allowance to noncurrent loans | 68.9394% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 4,586 |
| Noncurrent loans to loans | 0.4519% | 3,752 |
| Net loans and leases to total assets | 48.2577% | 4,972 |
| Net loans and leases to deposits | 55.4792% | 5,048 |
| Net loans and leases to core deposits | 56.1626% | 5,158 |
| Total domestic deposits to total assets | 86.9834% | 1,925 |
| Equity capital to assets | 11.5246% | 2,521 |
| Core capital (leverage) ratio | 11.1213% | 2,306 |
| Tier 1 risk-based capital ratio | 23.4164% | 973 |
| Total risk-based capital ratio | 23.7326% | 1,064 |
| Memoranda: | ||
| Average total assets | $177,054,330 | 3,225 |
| Average earning assets | $169,880,670 | 3,143 |
| Average equity | $20,375,330 | 3,155 |
| Average total loans | $83,863,330 | 3,750 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 3,755 |
| Cost of funding earning assets | 0.2500% | 4,709 |
| Net interest margin | 3.6045% | 3,068 |
| Noninterest income to average assets | 1.1241% | 863 |
| Noninterest expense to average assets | 3.2101% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9932% | 2,314 |
| Return on assets (ROA) | 0.9916% | 2,433 |
| Pretax return on assets | 1.3709% | 2,000 |
| Return on Equity (ROE) | 8.6231% | 2,600 |
| Retained earnings to average equity (ytd only) | 2.6624% | 4,181 |
| Net charge-offs to loans | 0.0342% | 2,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 85.8571% | 601 |
| Efficiency ratio | 70.0399% | 3,122 |
| Assets per employee ($millions) | 2.5757% | 5,805 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3201% | 5,997 |
| Loan loss allowance to noncurrent loans | 63.3094% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 4,612 |
| Noncurrent loans to loans | 0.5056% | 3,659 |
| Net loans and leases to total assets | 44.9526% | 5,192 |
| Net loans and leases to deposits | 51.6308% | 5,244 |
| Net loans and leases to core deposits | 52.2168% | 5,341 |
| Total domestic deposits to total assets | 87.0655% | 2,181 |
| Equity capital to assets | 11.1081% | 2,815 |
| Core capital (leverage) ratio | 11.7751% | 1,776 |
| Tier 1 risk-based capital ratio | 24.9816% | 814 |
| Total risk-based capital ratio | 25.3110% | 897 |
| Memoranda: | ||
| Average total assets | $175,070,500 | 3,262 |
| Average earning assets | $168,014,500 | 3,176 |
| Average equity | $20,132,000 | 3,186 |
| Average total loans | $81,980,000 | 3,803 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8665% | 3,825 |
| Cost of funding earning assets | 0.2622% | 4,671 |
| Net interest margin | 3.6043% | 3,121 |
| Noninterest income to average assets | 1.1070% | 959 |
| Noninterest expense to average assets | 2.9356% | 2,745 |
| Loan and lease loss provision to assets | 0.0173% | 4,061 |
| Net operating income to assets | 1.1405% | 1,769 |
| Return on assets (ROA) | 1.2006% | 1,619 |
| Pretax return on assets | 1.7076% | 977 |
| Return on Equity (ROE) | 10.7724% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.7724% | 366 |
| Net charge-offs to loans | 0.1001% | 2,414 |
| Credit loss provision to net charge-offs | 37.6623% | 3,559 |
| Earnings coverage of net charge-offs (x) | 35.6883% | 1,284 |
| Efficiency ratio | 64.1721% | 4,223 |
| Assets per employee ($millions) | 2.5345% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3326% | 6,037 |
| Loan loss allowance to noncurrent loans | 73.6413% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 4,493 |
| Noncurrent loans to loans | 0.4516% | 3,854 |
| Net loans and leases to total assets | 48.5536% | 4,971 |
| Net loans and leases to deposits | 56.0399% | 5,036 |
| Net loans and leases to core deposits | 56.7395% | 5,167 |
| Total domestic deposits to total assets | 86.6412% | 2,302 |
| Equity capital to assets | 11.8541% | 2,070 |
| Core capital (leverage) ratio | 11.6414% | 1,861 |
| Tier 1 risk-based capital ratio | 24.2426% | 896 |
| Total risk-based capital ratio | 24.5750% | 964 |
| Memoranda: | ||
| Average total assets | $167,666,200 | 3,339 |
| Average earning assets | $161,306,800 | 3,239 |
| Average equity | $18,686,600 | 3,296 |
| Average total loans | $76,911,600 | 3,912 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7993% | 4,090 |
| Cost of funding earning assets | 0.2658% | 4,714 |
| Net interest margin | 3.5336% | 3,416 |
| Noninterest income to average assets | 1.1023% | 990 |
| Noninterest expense to average assets | 2.8849% | 2,896 |
| Loan and lease loss provision to assets | 0.0231% | 3,814 |
| Net operating income to assets | 1.1128% | 1,951 |
| Return on assets (ROA) | 1.1929% | 1,741 |
| Pretax return on assets | 1.7111% | 1,076 |
| Return on Equity (ROE) | 10.8759% | 1,750 |
| Retained earnings to average equity (ytd only) | 10.8759% | 490 |
| Net charge-offs to loans | 0.0950% | 2,207 |
| Credit loss provision to net charge-offs | 53.7037% | 2,996 |
| Earnings coverage of net charge-offs (x) | 37.7399% | 1,301 |
| Efficiency ratio | 64.0438% | 4,240 |
| Assets per employee ($millions) | 2.4840% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3679% | 6,105 |
| Loan loss allowance to noncurrent loans | 72.5926% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 4,274 |
| Noncurrent loans to loans | 0.5069% | 3,829 |
| Net loans and leases to total assets | 47.8342% | 5,094 |
| Net loans and leases to deposits | 55.0364% | 5,182 |
| Net loans and leases to core deposits | 55.6236% | 5,325 |
| Total domestic deposits to total assets | 86.9138% | 2,088 |
| Equity capital to assets | 11.5408% | 2,471 |
| Core capital (leverage) ratio | 11.5082% | 2,029 |
| Tier 1 risk-based capital ratio | 23.4586% | 1,005 |
| Total risk-based capital ratio | 23.8168% | 1,093 |
| Memoranda: | ||
| Average total assets | $167,764,000 | 3,369 |
| Average earning assets | $161,532,500 | 3,263 |
| Average equity | $18,401,000 | 3,354 |
| Average total loans | $75,767,250 | 3,983 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,368 |
| Cost of funding earning assets | 0.2662% | 4,758 |
| Net interest margin | 3.4479% | 3,717 |
| Noninterest income to average assets | 1.0570% | 1,063 |
| Noninterest expense to average assets | 2.8988% | 2,900 |
| Loan and lease loss provision to assets | 0.0345% | 3,424 |
| Net operating income to assets | 1.0191% | 2,301 |
| Return on assets (ROA) | 1.1414% | 1,879 |
| Pretax return on assets | 1.6254% | 1,266 |
| Return on Equity (ROE) | 10.5888% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.5888% | 565 |
| Net charge-offs to loans | 0.0914% | 2,110 |
| Credit loss provision to net charge-offs | 85.2941% | 2,269 |
| Earnings coverage of net charge-offs (x) | 36.7353% | 1,194 |
| Efficiency ratio | 66.1242% | 3,986 |
| Assets per employee ($millions) | 2.5077% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4086% | 6,160 |
| Loan loss allowance to noncurrent loans | 101.9481% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 4,631 |
| Noncurrent loans to loans | 0.4008% | 4,277 |
| Net loans and leases to total assets | 45.5474% | 5,287 |
| Net loans and leases to deposits | 52.0072% | 5,380 |
| Net loans and leases to core deposits | 52.5526% | 5,510 |
| Total domestic deposits to total assets | 87.5790% | 1,858 |
| Equity capital to assets | 10.9527% | 2,933 |
| Core capital (leverage) ratio | 11.0939% | 2,330 |
| Tier 1 risk-based capital ratio | 23.3287% | 1,032 |
| Total risk-based capital ratio | 23.7202% | 1,120 |
| Memoranda: | ||
| Average total assets | $168,209,670 | 3,382 |
| Average earning assets | $162,304,000 | 3,269 |
| Average equity | $18,132,330 | 3,407 |
| Average total loans | $74,388,670 | 4,049 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 4,765 |
| Cost of funding earning assets | 0.2684% | 4,812 |
| Net interest margin | 3.3068% | 4,188 |
| Noninterest income to average assets | 1.0576% | 1,009 |
| Noninterest expense to average assets | 2.8353% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0290% | 2,137 |
| Return on assets (ROA) | 1.2857% | 1,405 |
| Pretax return on assets | 1.7658% | 924 |
| Return on Equity (ROE) | 12.0239% | 1,343 |
| Retained earnings to average equity (ytd only) | 12.0239% | 571 |
| Net charge-offs to loans | 0.0164% | 2,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 198.3333% | 282 |
| Efficiency ratio | 66.7226% | 4,025 |
| Assets per employee ($millions) | 2.5456% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4247% | 6,227 |
| Loan loss allowance to noncurrent loans | 85.8696% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 4,640 |
| Noncurrent loans to loans | 0.4946% | 4,095 |
| Net loans and leases to total assets | 43.4409% | 5,389 |
| Net loans and leases to deposits | 49.8138% | 5,469 |
| Net loans and leases to core deposits | 50.3308% | 5,577 |
| Total domestic deposits to total assets | 87.2065% | 2,266 |
| Equity capital to assets | 10.7695% | 3,235 |
| Core capital (leverage) ratio | 10.9592% | 2,446 |
| Tier 1 risk-based capital ratio | 23.8895% | 1,008 |
| Total risk-based capital ratio | 24.3022% | 1,079 |
| Memoranda: | ||
| Average total assets | $168,307,500 | 3,397 |
| Average earning assets | $162,452,500 | 3,290 |
| Average equity | $17,997,500 | 3,444 |
| Average total loans | $73,163,000 | 4,099 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 4,397 |
| Cost of funding earning assets | 0.3009% | 4,788 |
| Net interest margin | 3.5279% | 3,691 |
| Noninterest income to average assets | 1.0854% | 1,034 |
| Noninterest expense to average assets | 2.9161% | 3,094 |
| Loan and lease loss provision to assets | 0.0719% | 3,045 |
| Net operating income to assets | 1.0404% | 2,211 |
| Return on assets (ROA) | 1.0383% | 2,299 |
| Pretax return on assets | 1.5025% | 1,534 |
| Return on Equity (ROE) | 10.6907% | 1,822 |
| Retained earnings to average equity (ytd only) | 10.6907% | 418 |
| Net charge-offs to loans | 0.0608% | 3,631 |
| Credit loss provision to net charge-offs | 276.7442% | 918 |
| Earnings coverage of net charge-offs (x) | 60.6977% | 787 |
| Efficiency ratio | 64.8958% | 4,422 |
| Assets per employee ($millions) | 2.5160% | 6,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4436% | 6,304 |
| Loan loss allowance to noncurrent loans | 393.8272% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 5,460 |
| Noncurrent loans to loans | 0.1126% | 5,442 |
| Net loans and leases to total assets | 43.1172% | 5,528 |
| Net loans and leases to deposits | 49.0387% | 5,630 |
| Net loans and leases to core deposits | 49.4042% | 5,740 |
| Total domestic deposits to total assets | 87.9248% | 1,816 |
| Equity capital to assets | 10.5806% | 3,388 |
| Core capital (leverage) ratio | 10.7520% | 2,669 |
| Tier 1 risk-based capital ratio | 24.1665% | 934 |
| Total risk-based capital ratio | 24.6022% | 1,002 |
| Memoranda: | ||
| Average total assets | $165,461,800 | 3,406 |
| Average earning assets | $159,841,000 | 3,284 |
| Average equity | $16,070,000 | 3,656 |
| Average total loans | $70,768,200 | 4,158 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8124% | 4,497 |
| Cost of funding earning assets | 0.3047% | 4,843 |
| Net interest margin | 3.5077% | 3,796 |
| Noninterest income to average assets | 1.0130% | 1,192 |
| Noninterest expense to average assets | 3.0447% | 2,662 |
| Loan and lease loss provision to assets | 0.0508% | 3,354 |
| Net operating income to assets | 0.9336% | 2,759 |
| Return on assets (ROA) | 0.9307% | 2,862 |
| Pretax return on assets | 1.3026% | 2,368 |
| Return on Equity (ROE) | 9.8033% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.8033% | 757 |
| Net charge-offs to loans | 0.0605% | 3,345 |
| Credit loss provision to net charge-offs | 196.8750% | 1,285 |
| Earnings coverage of net charge-offs (x) | 52.5882% | 942 |
| Efficiency ratio | 69.1645% | 3,644 |
| Assets per employee ($millions) | 2.4693% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3935% | 6,410 |
| Loan loss allowance to noncurrent loans | 256.0748% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 5,558 |
| Noncurrent loans to loans | 0.1537% | 5,445 |
| Net loans and leases to total assets | 42.5599% | 5,633 |
| Net loans and leases to deposits | 48.5141% | 5,732 |
| Net loans and leases to core deposits | 48.8840% | 5,844 |
| Total domestic deposits to total assets | 87.7270% | 1,908 |
| Equity capital to assets | 10.2457% | 3,865 |
| Core capital (leverage) ratio | 10.5010% | 3,039 |
| Tier 1 risk-based capital ratio | 24.9905% | 884 |
| Total risk-based capital ratio | 25.3902% | 954 |
| Memoranda: | ||
| Average total assets | $165,312,500 | 3,432 |
| Average earning assets | $159,722,000 | 3,311 |
| Average equity | $15,695,000 | 3,734 |
| Average total loans | $70,480,500 | 4,203 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7829% | 4,585 |
| Cost of funding earning assets | 0.3096% | 4,884 |
| Net interest margin | 3.4733% | 3,883 |
| Noninterest income to average assets | 0.9513% | 1,329 |
| Noninterest expense to average assets | 3.0357% | 2,710 |
| Loan and lease loss provision to assets | 0.0759% | 2,756 |
| Net operating income to assets | 0.8630% | 2,993 |
| Return on assets (ROA) | 0.8622% | 3,099 |
| Pretax return on assets | 1.2017% | 2,662 |
| Return on Equity (ROE) | 9.3225% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.3225% | 879 |
| Net charge-offs to loans | 0.0509% | 3,247 |
| Credit loss provision to net charge-offs | 350.0000% | 762 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 816 |
| Efficiency ratio | 70.3600% | 3,598 |
| Assets per employee ($millions) | 2.6224% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4160% | 6,479 |
| Loan loss allowance to noncurrent loans | 223.2558% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 5,643 |
| Noncurrent loans to loans | 0.1863% | 5,455 |
| Net loans and leases to total assets | 41.7344% | 5,692 |
| Net loans and leases to deposits | 47.2070% | 5,817 |
| Net loans and leases to core deposits | 47.6513% | 5,913 |
| Total domestic deposits to total assets | 88.4072% | 1,679 |
| Equity capital to assets | 9.7685% | 4,409 |
| Core capital (leverage) ratio | 10.1012% | 3,471 |
| Tier 1 risk-based capital ratio | 25.0989% | 863 |
| Total risk-based capital ratio | 25.5319% | 932 |
| Memoranda: | ||
| Average total assets | $166,091,670 | 3,437 |
| Average earning assets | $160,827,330 | 3,311 |
| Average equity | $15,360,670 | 3,792 |
| Average total loans | $70,762,000 | 4,208 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 4,363 |
| Cost of funding earning assets | 0.3154% | 4,912 |
| Net interest margin | 3.5139% | 3,627 |
| Noninterest income to average assets | 1.0473% | 1,019 |
| Noninterest expense to average assets | 3.1442% | 2,393 |
| Loan and lease loss provision to assets | 0.0312% | 3,414 |
| Net operating income to assets | 0.9031% | 2,631 |
| Return on assets (ROA) | 0.9031% | 2,701 |
| Pretax return on assets | 1.2706% | 2,211 |
| Return on Equity (ROE) | 10.0458% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.0458% | 951 |
| Net charge-offs to loans | 0.0615% | 2,543 |
| Credit loss provision to net charge-offs | 118.1818% | 1,474 |
| Earnings coverage of net charge-offs (x) | 49.2727% | 755 |
| Efficiency ratio | 70.7185% | 3,701 |
| Assets per employee ($millions) | 2.7214% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3572% | 6,585 |
| Loan loss allowance to noncurrent loans | 182.8358% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 5,708 |
| Noncurrent loans to loans | 0.1954% | 5,508 |
| Net loans and leases to total assets | 40.5086% | 5,772 |
| Net loans and leases to deposits | 45.8189% | 5,863 |
| Net loans and leases to core deposits | 46.0815% | 5,982 |
| Total domestic deposits to total assets | 88.4103% | 1,988 |
| Equity capital to assets | 9.1426% | 4,950 |
| Core capital (leverage) ratio | 9.9969% | 3,577 |
| Tier 1 risk-based capital ratio | 25.0452% | 883 |
| Total risk-based capital ratio | 25.4204% | 960 |
| Memoranda: | ||
| Average total assets | $166,530,500 | 3,455 |
| Average earning assets | $161,074,000 | 3,336 |
| Average equity | $14,971,500 | 3,866 |
| Average total loans | $71,523,500 | 4,217 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 5,397 |
| Cost of funding earning assets | 0.3748% | 4,896 |
| Net interest margin | 3.2275% | 4,905 |
| Noninterest income to average assets | 1.2427% | 900 |
| Noninterest expense to average assets | 2.9430% | 3,221 |
| Loan and lease loss provision to assets | 0.0395% | 4,331 |
| Net operating income to assets | 0.9805% | 2,423 |
| Return on assets (ROA) | 0.9784% | 2,495 |
| Pretax return on assets | 1.3706% | 1,900 |
| Return on Equity (ROE) | 11.1462% | 1,717 |
| Retained earnings to average equity (ytd only) | 1.0683% | 5,356 |
| Net charge-offs to loans | 0.0781% | 4,124 |
| Credit loss provision to net charge-offs | 115.5172% | 2,090 |
| Earnings coverage of net charge-offs (x) | 41.3103% | 923 |
| Efficiency ratio | 67.5602% | 4,279 |
| Assets per employee ($millions) | 2.6940% | 6,225 |
| Cash dividends to net income (ytd only)* | 90.4159% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3264% | 6,675 |
| Loan loss allowance to noncurrent loans | 142.9412% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 5,725 |
| Noncurrent loans to loans | 0.2283% | 5,502 |
| Net loans and leases to total assets | 45.1580% | 5,566 |
| Net loans and leases to deposits | 50.4322% | 5,739 |
| Net loans and leases to core deposits | 50.8204% | 5,885 |
| Total domestic deposits to total assets | 89.5420% | 1,308 |
| Equity capital to assets | 8.8338% | 5,217 |
| Core capital (leverage) ratio | 9.8509% | 3,773 |
| Tier 1 risk-based capital ratio | 22.3660% | 1,197 |
| Total risk-based capital ratio | 22.7061% | 1,323 |
| Memoranda: | ||
| Average total assets | $169,556,800 | 3,416 |
| Average earning assets | $163,562,400 | 3,294 |
| Average equity | $14,884,000 | 3,890 |
| Average total loans | $74,218,200 | 4,121 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 5,707 |
| Cost of funding earning assets | 0.3837% | 4,960 |
| Net interest margin | 3.1065% | 5,300 |
| Noninterest income to average assets | 1.2056% | 1,000 |
| Noninterest expense to average assets | 2.9863% | 3,040 |
| Loan and lease loss provision to assets | 0.0453% | 4,107 |
| Net operating income to assets | 0.8307% | 3,188 |
| Return on assets (ROA) | 0.8279% | 3,328 |
| Pretax return on assets | 1.1650% | 2,831 |
| Return on Equity (ROE) | 9.4461% | 2,428 |
| Retained earnings to average equity (ytd only) | -3.9085% | 6,435 |
| Net charge-offs to loans | 0.0809% | 3,798 |
| Credit loss provision to net charge-offs | 128.8889% | 1,829 |
| Earnings coverage of net charge-offs (x) | 34.5768% | 1,109 |
| Efficiency ratio | 71.0942% | 3,591 |
| Assets per employee ($millions) | 2.6832% | 6,292 |
| Cash dividends to net income (ytd only)* | 141.3762% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3299% | 6,759 |
| Loan loss allowance to noncurrent loans | 137.2222% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 5,533 |
| Noncurrent loans to loans | 0.2404% | 5,637 |
| Net loans and leases to total assets | 46.3496% | 5,509 |
| Net loans and leases to deposits | 51.9265% | 5,713 |
| Net loans and leases to core deposits | 52.3381% | 5,873 |
| Total domestic deposits to total assets | 89.2598% | 1,428 |
| Equity capital to assets | 8.5898% | 5,632 |
| Core capital (leverage) ratio | 9.5793% | 4,284 |
| Tier 1 risk-based capital ratio | 21.1815% | 1,459 |
| Total risk-based capital ratio | 21.5217% | 1,643 |
| Memoranda: | ||
| Average total assets | $170,862,500 | 3,428 |
| Average earning assets | $164,727,500 | 3,309 |
| Average equity | $14,975,750 | 3,917 |
| Average total loans | $74,159,500 | 4,146 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3197% | 6,058 |
| Cost of funding earning assets | 0.4011% | 4,935 |
| Net interest margin | 2.9186% | 5,755 |
| Noninterest income to average assets | 1.1611% | 1,134 |
| Noninterest expense to average assets | 3.0858% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6328% | 4,142 |
| Return on assets (ROA) | 0.6328% | 4,293 |
| Pretax return on assets | 0.8912% | 3,944 |
| Return on Equity (ROE) | 7.1754% | 3,501 |
| Retained earnings to average equity (ytd only) | -5.8471% | 6,505 |
| Net charge-offs to loans | 0.0676% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 31.0400% | 1,122 |
| Efficiency ratio | 77.5917% | 2,527 |
| Assets per employee ($millions) | 2.7574% | 6,211 |
| Cash dividends to net income (ytd only)* | 181.4882% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2844% | 6,811 |
| Loan loss allowance to noncurrent loans | 129.0123% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 5,483 |
| Noncurrent loans to loans | 0.2204% | 5,751 |
| Net loans and leases to total assets | 44.2990% | 5,714 |
| Net loans and leases to deposits | 49.6283% | 5,872 |
| Net loans and leases to core deposits | 50.0133% | 6,022 |
| Total domestic deposits to total assets | 89.2618% | 1,474 |
| Equity capital to assets | 8.8210% | 5,421 |
| Core capital (leverage) ratio | 8.6068% | 5,548 |
| Tier 1 risk-based capital ratio | 21.2794% | 1,428 |
| Total risk-based capital ratio | 21.5688% | 1,624 |
| Memoranda: | ||
| Average total assets | $174,152,000 | 3,388 |
| Average earning assets | $168,028,330 | 3,283 |
| Average equity | $15,358,000 | 3,878 |
| Average total loans | $73,923,670 | 4,176 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0253% | 6,484 |
| Cost of funding earning assets | 0.4054% | 5,047 |
| Net interest margin | 2.6199% | 6,342 |
| Noninterest income to average assets | 1.1495% | 1,136 |
| Noninterest expense to average assets | 2.9579% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4930% | 4,703 |
| Return on assets (ROA) | 0.4930% | 4,855 |
| Pretax return on assets | 0.7260% | 4,461 |
| Return on Equity (ROE) | 5.5909% | 4,269 |
| Retained earnings to average equity (ytd only) | -7.1156% | 6,481 |
| Net charge-offs to loans | 0.0594% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 29.4545% | 968 |
| Efficiency ratio | 80.2920% | 2,285 |
| Assets per employee ($millions) | 2.9639% | 6,053 |
| Cash dividends to net income (ytd only)* | 227.2727% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3038% | 6,891 |
| Loan loss allowance to noncurrent loans | 62.1170% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 5,706 |
| Noncurrent loans to loans | 0.4891% | 5,206 |
| Net loans and leases to total assets | 41.1480% | 5,905 |
| Net loans and leases to deposits | 46.3007% | 6,040 |
| Net loans and leases to core deposits | 46.5532% | 6,181 |
| Total domestic deposits to total assets | 88.8712% | 1,753 |
| Equity capital to assets | 8.8019% | 5,712 |
| Core capital (leverage) ratio | 6.1968% | 6,780 |
| Tier 1 risk-based capital ratio | 23.3106% | 1,112 |
| Total risk-based capital ratio | 23.6452% | 1,241 |
| Memoranda: | ||
| Average total assets | $178,505,000 | 3,361 |
| Average earning assets | $172,677,500 | 3,246 |
| Average equity | $15,740,000 | 3,866 |
| Average total loans | $74,135,500 | 4,197 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 5,697 |
| Cost of funding earning assets | 0.5288% | 5,002 |
| Net interest margin | 3.3263% | 5,154 |
| Noninterest income to average assets | 1.2308% | 1,026 |
| Noninterest expense to average assets | 2.9950% | 3,294 |
| Loan and lease loss provision to assets | 0.0544% | 5,123 |
| Net operating income to assets | 0.9325% | 2,633 |
| Return on assets (ROA) | 0.9325% | 2,882 |
| Pretax return on assets | 1.3719% | 2,135 |
| Return on Equity (ROE) | 9.2400% | 2,523 |
| Retained earnings to average equity (ytd only) | -5.8976% | 6,478 |
| Net charge-offs to loans | 0.2268% | 3,576 |
| Credit loss provision to net charge-offs | 50.5682% | 4,686 |
| Earnings coverage of net charge-offs (x) | 13.2614% | 1,848 |
| Efficiency ratio | 67.7402% | 4,199 |
| Assets per employee ($millions) | 2.9373% | 6,101 |
| Cash dividends to net income (ytd only)* | 163.8270% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3125% | 6,939 |
| Loan loss allowance to noncurrent loans | 62.4000% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 5,794 |
| Noncurrent loans to loans | 0.5009% | 5,282 |
| Net loans and leases to total assets | 41.6567% | 6,035 |
| Net loans and leases to deposits | 45.7621% | 6,267 |
| Net loans and leases to core deposits | 46.2544% | 6,356 |
| Total domestic deposits to total assets | 91.0288% | 482 |
| Equity capital to assets | 8.8333% | 5,712 |
| Core capital (leverage) ratio | 8.9559% | 4,967 |
| Tier 1 risk-based capital ratio | 23.6290% | 1,015 |
| Total risk-based capital ratio | 23.9785% | 1,134 |
| Memoranda: | ||
| Average total assets | $163,637,400 | 3,555 |
| Average earning assets | $156,961,200 | 3,417 |
| Average equity | $16,515,200 | 3,698 |
| Average total loans | $77,611,800 | 4,103 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 5,267 |
| Cost of funding earning assets | 0.5639% | 4,968 |
| Net interest margin | 3.5159% | 4,581 |
| Noninterest income to average assets | 1.2678% | 920 |
| Noninterest expense to average assets | 3.1348% | 2,784 |
| Loan and lease loss provision to assets | 0.0242% | 5,485 |
| Net operating income to assets | 0.9982% | 2,516 |
| Return on assets (ROA) | 0.9982% | 2,740 |
| Pretax return on assets | 1.4706% | 1,999 |
| Return on Equity (ROE) | 9.5560% | 2,564 |
| Retained earnings to average equity (ytd only) | -2.4289% | 6,441 |
| Net charge-offs to loans | 0.1975% | 3,545 |
| Credit loss provision to net charge-offs | 25.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | 15.4399% | 1,760 |
| Efficiency ratio | 67.7123% | 4,127 |
| Assets per employee ($millions) | 2.5701% | 6,633 |
| Cash dividends to net income (ytd only)* | 125.4178% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3040% | 7,057 |
| Loan loss allowance to noncurrent loans | 79.3220% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 6,012 |
| Noncurrent loans to loans | 0.3832% | 5,704 |
| Net loans and leases to total assets | 48.9549% | 5,439 |
| Net loans and leases to deposits | 55.1085% | 5,711 |
| Net loans and leases to core deposits | 55.9244% | 5,897 |
| Total domestic deposits to total assets | 88.8337% | 1,522 |
| Equity capital to assets | 10.4793% | 3,868 |
| Core capital (leverage) ratio | 10.3725% | 3,073 |
| Tier 1 risk-based capital ratio | 23.7661% | 1,056 |
| Total risk-based capital ratio | 24.1034% | 1,175 |
| Memoranda: | ||
| Average total assets | $159,753,250 | 3,664 |
| Average earning assets | $152,750,500 | 3,534 |
| Average equity | $16,687,250 | 3,706 |
| Average total loans | $78,296,750 | 4,132 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 5,105 |
| Cost of funding earning assets | 0.5824% | 5,053 |
| Net interest margin | 3.5740% | 4,367 |
| Noninterest income to average assets | 1.2454% | 920 |
| Noninterest expense to average assets | 3.0719% | 3,010 |
| Loan and lease loss provision to assets | 0.0361% | 5,225 |
| Net operating income to assets | 1.0464% | 2,262 |
| Return on assets (ROA) | 1.0464% | 2,492 |
| Pretax return on assets | 1.5577% | 1,682 |
| Return on Equity (ROE) | 10.0278% | 2,333 |
| Retained earnings to average equity (ytd only) | -1.8959% | 6,347 |
| Net charge-offs to loans | 0.2058% | 3,338 |
| Credit loss provision to net charge-offs | 35.8025% | 4,345 |
| Earnings coverage of net charge-offs (x) | 15.8148% | 1,627 |
| Efficiency ratio | 65.8400% | 4,560 |
| Assets per employee ($millions) | 2.7378% | 6,491 |
| Cash dividends to net income (ytd only)* | 118.9061% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3435% | 7,103 |
| Loan loss allowance to noncurrent loans | 216.9355% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 5,862 |
| Noncurrent loans to loans | 0.1583% | 6,270 |
| Net loans and leases to total assets | 48.3201% | 5,586 |
| Net loans and leases to deposits | 54.1877% | 5,849 |
| Net loans and leases to core deposits | 54.9608% | 6,024 |
| Total domestic deposits to total assets | 89.1717% | 1,406 |
| Equity capital to assets | 10.3188% | 3,917 |
| Core capital (leverage) ratio | 10.3829% | 2,942 |
| Tier 1 risk-based capital ratio | 23.7149% | 1,053 |
| Total risk-based capital ratio | 24.0985% | 1,136 |
| Memoranda: | ||
| Average total assets | $160,746,000 | 3,647 |
| Average earning assets | $153,833,330 | 3,539 |
| Average equity | $16,773,330 | 3,689 |
| Average total loans | $78,734,670 | 4,134 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 4,865 |
| Cost of funding earning assets | 0.6109% | 5,047 |
| Net interest margin | 3.6551% | 4,032 |
| Noninterest income to average assets | 1.3271% | 810 |
| Noninterest expense to average assets | 2.9535% | 3,434 |
| Loan and lease loss provision to assets | 0.0723% | 4,497 |
| Net operating income to assets | 1.2148% | 1,694 |
| Return on assets (ROA) | 1.2148% | 1,876 |
| Pretax return on assets | 1.7935% | 1,079 |
| Return on Equity (ROE) | 11.5773% | 1,817 |
| Retained earnings to average equity (ytd only) | -0.3090% | 6,045 |
| Net charge-offs to loans | 0.4256% | 2,033 |
| Credit loss provision to net charge-offs | 34.5238% | 3,545 |
| Earnings coverage of net charge-offs (x) | 8.9048% | 1,902 |
| Efficiency ratio | 61.2836% | 5,405 |
| Assets per employee ($millions) | 2.9108% | 6,324 |
| Cash dividends to net income (ytd only)* | 102.6694% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3407% | 7,158 |
| Loan loss allowance to noncurrent loans | 159.6386% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 5,897 |
| Noncurrent loans to loans | 0.2134% | 6,260 |
| Net loans and leases to total assets | 47.5608% | 5,616 |
| Net loans and leases to deposits | 53.7018% | 5,840 |
| Net loans and leases to core deposits | 54.5589% | 6,018 |
| Total domestic deposits to total assets | 88.5647% | 1,971 |
| Equity capital to assets | 10.3182% | 3,713 |
| Core capital (leverage) ratio | 10.6655% | 2,585 |
| Tier 1 risk-based capital ratio | 24.1873% | 987 |
| Total risk-based capital ratio | 24.5693% | 1,070 |
| Memoranda: | ||
| Average total assets | $160,353,500 | 3,679 |
| Average earning assets | $153,210,000 | 3,561 |
| Average equity | $16,826,000 | 3,678 |
| Average total loans | $78,941,500 | 4,155 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1981% | 2,064 |
| Cost of funding earning assets | 0.7121% | 5,457 |
| Net interest margin | 4.4861% | 1,171 |
| Noninterest income to average assets | 1.4317% | 635 |
| Noninterest expense to average assets | 3.2683% | 2,623 |
| Loan and lease loss provision to assets | 0.0967% | 5,381 |
| Net operating income to assets | 1.5433% | 753 |
| Return on assets (ROA) | 1.5433% | 818 |
| Pretax return on assets | 2.3382% | 276 |
| Return on Equity (ROE) | 13.4880% | 1,048 |
| Retained earnings to average equity (ytd only) | 1.6720% | 5,013 |
| Net charge-offs to loans | 0.0878% | 5,454 |
| Credit loss provision to net charge-offs | 198.6111% | 1,273 |
| Earnings coverage of net charge-offs (x) | 50.0278% | 560 |
| Efficiency ratio | 57.3071% | 6,147 |
| Assets per employee ($millions) | 2.6284% | 6,689 |
| Cash dividends to net income (ytd only)* | 87.6040% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4008% | 7,169 |
| Loan loss allowance to noncurrent loans | 57.2193% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 5,826 |
| Noncurrent loans to loans | 0.7004% | 5,297 |
| Net loans and leases to total assets | 50.5831% | 5,514 |
| Net loans and leases to deposits | 56.9671% | 5,804 |
| Net loans and leases to core deposits | 57.7971% | 6,010 |
| Total domestic deposits to total assets | 88.7935% | 1,662 |
| Equity capital to assets | 10.6739% | 3,339 |
| Core capital (leverage) ratio | 10.7738% | 2,455 |
| Tier 1 risk-based capital ratio | 24.3062% | 941 |
| Total risk-based capital ratio | 24.7709% | 1,008 |
| Memoranda: | ||
| Average total assets | $147,934,000 | 3,837 |
| Average earning assets | $140,858,000 | 3,726 |
| Average equity | $16,926,200 | 3,591 |
| Average total loans | $81,960,600 | 4,084 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 1,681 |
| Cost of funding earning assets | 0.7271% | 5,613 |
| Net interest margin | 4.6205% | 910 |
| Noninterest income to average assets | 1.4369% | 637 |
| Noninterest expense to average assets | 3.0516% | 3,346 |
| Loan and lease loss provision to assets | 0.0641% | 5,648 |
| Net operating income to assets | 1.8035% | 516 |
| Return on assets (ROA) | 1.8035% | 559 |
| Pretax return on assets | 2.7181% | 178 |
| Return on Equity (ROE) | 15.4809% | 749 |
| Retained earnings to average equity (ytd only) | 3.6814% | 4,127 |
| Net charge-offs to loans | 0.0809% | 5,169 |
| Credit loss provision to net charge-offs | 140.0000% | 2,275 |
| Earnings coverage of net charge-offs (x) | 60.7155% | 543 |
| Efficiency ratio | 52.3091% | 6,648 |
| Assets per employee ($millions) | 2.5655% | 6,819 |
| Cash dividends to net income (ytd only)* | 76.2196% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3271% | 7,276 |
| Loan loss allowance to noncurrent loans | 49.0909% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 5,871 |
| Noncurrent loans to loans | 0.6663% | 5,555 |
| Net loans and leases to total assets | 54.3546% | 5,121 |
| Net loans and leases to deposits | 61.9419% | 5,409 |
| Net loans and leases to core deposits | 62.9197% | 5,723 |
| Total domestic deposits to total assets | 87.7510% | 2,193 |
| Equity capital to assets | 11.2422% | 2,920 |
| Core capital (leverage) ratio | 11.3553% | 2,131 |
| Tier 1 risk-based capital ratio | 24.7789% | 937 |
| Total risk-based capital ratio | 25.1730% | 1,003 |
| Memoranda: | ||
| Average total assets | $145,491,750 | 3,900 |
| Average earning assets | $138,451,250 | 3,795 |
| Average equity | $16,949,500 | 3,596 |
| Average total loans | $82,427,750 | 4,107 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3007% | 1,890 |
| Cost of funding earning assets | 0.7489% | 5,676 |
| Net interest margin | 4.5518% | 1,007 |
| Noninterest income to average assets | 1.4728% | 590 |
| Noninterest expense to average assets | 3.1616% | 3,042 |
| Loan and lease loss provision to assets | 0.0446% | 5,755 |
| Net operating income to assets | 1.7209% | 575 |
| Return on assets (ROA) | 1.7209% | 619 |
| Pretax return on assets | 2.5945% | 218 |
| Return on Equity (ROE) | 14.5921% | 873 |
| Retained earnings to average equity (ytd only) | 2.7766% | 4,514 |
| Net charge-offs to loans | 0.0291% | 5,426 |
| Credit loss provision to net charge-offs | 266.6667% | 1,139 |
| Earnings coverage of net charge-offs (x) | 157.8333% | 227 |
| Efficiency ratio | 54.5040% | 6,570 |
| Assets per employee ($millions) | 2.4149% | 7,012 |
| Cash dividends to net income (ytd only)* | 80.9717% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3307% | 7,330 |
| Loan loss allowance to noncurrent loans | 51.8164% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 5,916 |
| Noncurrent loans to loans | 0.6382% | 5,649 |
| Net loans and leases to total assets | 57.3216% | 4,760 |
| Net loans and leases to deposits | 66.2656% | 4,959 |
| Net loans and leases to core deposits | 67.5413% | 5,332 |
| Total domestic deposits to total assets | 86.5029% | 3,041 |
| Equity capital to assets | 11.9475% | 2,124 |
| Core capital (leverage) ratio | 11.7630% | 1,738 |
| Tier 1 risk-based capital ratio | 25.1148% | 897 |
| Total risk-based capital ratio | 25.5213% | 955 |
| Memoranda: | ||
| Average total assets | $143,533,330 | 3,968 |
| Average earning assets | $136,473,330 | 3,848 |
| Average equity | $16,927,000 | 3,585 |
| Average total loans | $82,388,670 | 4,145 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 2,702 |
| Cost of funding earning assets | 0.7622% | 5,790 |
| Net interest margin | 4.3248% | 1,486 |
| Noninterest income to average assets | 1.3189% | 739 |
| Noninterest expense to average assets | 3.2626% | 2,668 |
| Loan and lease loss provision to assets | 0.0139% | 5,739 |
| Net operating income to assets | 1.4605% | 959 |
| Return on assets (ROA) | 1.4605% | 995 |
| Pretax return on assets | 2.1547% | 425 |
| Return on Equity (ROE) | 12.4652% | 1,335 |
| Retained earnings to average equity (ytd only) | 0.6162% | 5,586 |
| Net charge-offs to loans | 0.0387% | 4,568 |
| Credit loss provision to net charge-offs | 62.5000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 97.6250% | 325 |
| Efficiency ratio | 60.0716% | 5,976 |
| Assets per employee ($millions) | 2.6629% | 6,749 |
| Cash dividends to net income (ytd only)* | 95.0570% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3004% | 7,404 |
| Loan loss allowance to noncurrent loans | 226.6055% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 6,551 |
| Noncurrent loans to loans | 0.1326% | 6,715 |
| Net loans and leases to total assets | 55.9698% | 4,995 |
| Net loans and leases to deposits | 63.9398% | 5,261 |
| Net loans and leases to core deposits | 64.7913% | 5,640 |
| Total domestic deposits to total assets | 87.5352% | 2,645 |
| Equity capital to assets | 11.5102% | 2,255 |
| Core capital (leverage) ratio | 11.6610% | 1,764 |
| Tier 1 risk-based capital ratio | 24.1559% | 957 |
| Total risk-based capital ratio | 24.5168% | 1,040 |
| Memoranda: | ||
| Average total assets | $144,059,000 | 3,991 |
| Average earning assets | $136,977,500 | 3,877 |
| Average equity | $16,879,000 | 3,579 |
| Average total loans | $82,611,000 | 4,177 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4762% | 2,373 |
| Cost of funding earning assets | 0.8777% | 6,253 |
| Net interest margin | 4.5984% | 1,020 |
| Noninterest income to average assets | 1.2343% | 993 |
| Noninterest expense to average assets | 3.3131% | 2,697 |
| Loan and lease loss provision to assets | 0.0548% | 6,595 |
| Net operating income to assets | 1.4890% | 782 |
| Return on assets (ROA) | 1.4890% | 844 |
| Pretax return on assets | 2.2346% | 297 |
| Return on Equity (ROE) | 12.5362% | 1,210 |
| Retained earnings to average equity (ytd only) | 2.9529% | 3,793 |
| Net charge-offs to loans | 0.1144% | 5,736 |
| Credit loss provision to net charge-offs | 83.6957% | 5,400 |
| Earnings coverage of net charge-offs (x) | 34.9783% | 649 |
| Efficiency ratio | 59.1365% | 6,172 |
| Assets per employee ($millions) | 2.4852% | 7,029 |
| Cash dividends to net income (ytd only)* | 76.4453% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3012% | 7,482 |
| Loan loss allowance to noncurrent loans | 170.0680% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 6,307 |
| Noncurrent loans to loans | 0.1771% | 6,713 |
| Net loans and leases to total assets | 58.4165% | 4,964 |
| Net loans and leases to deposits | 67.3994% | 5,184 |
| Net loans and leases to core deposits | 68.1931% | 5,641 |
| Total domestic deposits to total assets | 86.6720% | 2,995 |
| Equity capital to assets | 11.9302% | 1,952 |
| Core capital (leverage) ratio | 11.6547% | 1,754 |
| Tier 1 risk-based capital ratio | 24.1780% | 915 |
| Total risk-based capital ratio | 24.5441% | 982 |
| Memoranda: | ||
| Average total assets | $140,561,600 | 4,043 |
| Average earning assets | $133,524,000 | 3,944 |
| Average equity | $16,695,600 | 3,649 |
| Average total loans | $80,428,600 | 4,332 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5685% | 2,181 |
| Cost of funding earning assets | 0.8920% | 6,424 |
| Net interest margin | 4.6764% | 889 |
| Noninterest income to average assets | 1.1718% | 1,013 |
| Noninterest expense to average assets | 3.0679% | 3,495 |
| Loan and lease loss provision to assets | 0.0504% | 6,578 |
| Net operating income to assets | 1.6737% | 653 |
| Return on assets (ROA) | 1.6737% | 707 |
| Pretax return on assets | 2.4929% | 229 |
| Return on Equity (ROE) | 14.1064% | 1,008 |
| Retained earnings to average equity (ytd only) | 5.2949% | 2,778 |
| Net charge-offs to loans | 0.1003% | 5,524 |
| Credit loss provision to net charge-offs | 88.3333% | 4,836 |
| Earnings coverage of net charge-offs (x) | 44.5989% | 627 |
| Efficiency ratio | 54.6748% | 6,723 |
| Assets per employee ($millions) | 2.5318% | 7,043 |
| Cash dividends to net income (ytd only)* | 62.4645% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3106% | 7,589 |
| Loan loss allowance to noncurrent loans | 255.4455% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 6,206 |
| Noncurrent loans to loans | 0.1216% | 6,941 |
| Net loans and leases to total assets | 58.4102% | 5,199 |
| Net loans and leases to deposits | 67.7520% | 5,455 |
| Net loans and leases to core deposits | 68.5575% | 5,886 |
| Total domestic deposits to total assets | 86.2117% | 2,968 |
| Equity capital to assets | 12.0066% | 2,159 |
| Core capital (leverage) ratio | 12.0070% | 1,670 |
| Tier 1 risk-based capital ratio | 24.2669% | 917 |
| Total risk-based capital ratio | 24.6424% | 993 |
| Memoranda: | ||
| Average total assets | $140,287,750 | 4,104 |
| Average earning assets | $133,175,000 | 4,005 |
| Average equity | $16,644,500 | 3,704 |
| Average total loans | $79,785,500 | 4,410 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5081% | 2,476 |
| Cost of funding earning assets | 0.9143% | 6,524 |
| Net interest margin | 4.5939% | 1,015 |
| Noninterest income to average assets | 1.1632% | 951 |
| Noninterest expense to average assets | 3.0417% | 3,549 |
| Loan and lease loss provision to assets | 0.0758% | 6,183 |
| Net operating income to assets | 1.6210% | 692 |
| Return on assets (ROA) | 1.6210% | 747 |
| Pretax return on assets | 2.4165% | 269 |
| Return on Equity (ROE) | 13.7181% | 1,094 |
| Retained earnings to average equity (ytd only) | 6.4534% | 2,098 |
| Net charge-offs to loans | 0.1423% | 4,800 |
| Credit loss provision to net charge-offs | 94.6429% | 4,277 |
| Earnings coverage of net charge-offs (x) | 31.1071% | 899 |
| Efficiency ratio | 54.9638% | 6,771 |
| Assets per employee ($millions) | 2.5395% | 7,047 |
| Cash dividends to net income (ytd only)* | 52.9568% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3155% | 7,657 |
| Loan loss allowance to noncurrent loans | 119.6347% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 6,237 |
| Noncurrent loans to loans | 0.2637% | 6,704 |
| Net loans and leases to total assets | 59.2740% | 5,203 |
| Net loans and leases to deposits | 68.3545% | 5,518 |
| Net loans and leases to core deposits | 69.0598% | 5,967 |
| Total domestic deposits to total assets | 86.7156% | 2,694 |
| Equity capital to assets | 12.0909% | 2,050 |
| Core capital (leverage) ratio | 11.7744% | 1,766 |
| Tier 1 risk-based capital ratio | 24.2750% | 913 |
| Total risk-based capital ratio | 24.6593% | 983 |
| Memoranda: | ||
| Average total assets | $139,790,330 | 4,143 |
| Average earning assets | $133,003,330 | 4,040 |
| Average equity | $16,518,330 | 3,717 |
| Average total loans | $78,690,000 | 4,487 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 4,127 |
| Cost of funding earning assets | 0.9821% | 6,452 |
| Net interest margin | 4.1986% | 2,046 |
| Noninterest income to average assets | 1.1813% | 873 |
| Noninterest expense to average assets | 3.0090% | 3,645 |
| Loan and lease loss provision to assets | 0.0972% | 5,659 |
| Net operating income to assets | 1.4044% | 1,064 |
| Return on assets (ROA) | 1.4044% | 1,136 |
| Pretax return on assets | 2.0737% | 529 |
| Return on Equity (ROE) | 12.0244% | 1,497 |
| Retained earnings to average equity (ytd only) | 4.6775% | 3,332 |
| Net charge-offs to loans | 0.1934% | 3,757 |
| Credit loss provision to net charge-offs | 91.8919% | 3,619 |
| Earnings coverage of net charge-offs (x) | 20.5135% | 1,153 |
| Efficiency ratio | 58.0895% | 6,475 |
| Assets per employee ($millions) | 2.5832% | 7,075 |
| Cash dividends to net income (ytd only)* | 61.0998% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3413% | 7,728 |
| Loan loss allowance to noncurrent loans | 28.6652% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 5,878 |
| Noncurrent loans to loans | 1.1905% | 4,979 |
| Net loans and leases to total assets | 54.8497% | 5,912 |
| Net loans and leases to deposits | 63.8214% | 6,066 |
| Net loans and leases to core deposits | 64.4526% | 6,424 |
| Total domestic deposits to total assets | 85.9426% | 3,180 |
| Equity capital to assets | 11.8229% | 2,149 |
| Core capital (leverage) ratio | 11.6968% | 1,803 |
| Tier 1 risk-based capital ratio | 25.1669% | 844 |
| Total risk-based capital ratio | 25.5738% | 911 |
| Memoranda: | ||
| Average total assets | $139,848,000 | 4,197 |
| Average earning assets | $133,186,000 | 4,097 |
| Average equity | $16,333,500 | 3,773 |
| Average total loans | $76,508,500 | 4,627 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 4,421 |
| Cost of funding earning assets | 1.1856% | 6,707 |
| Net interest margin | 4.2678% | 1,824 |
| Noninterest income to average assets | 1.1948% | 1,079 |
| Noninterest expense to average assets | 3.0630% | 3,896 |
| Loan and lease loss provision to assets | 0.1305% | 6,331 |
| Net operating income to assets | 1.4057% | 843 |
| Return on assets (ROA) | 1.4057% | 900 |
| Pretax return on assets | 2.0698% | 355 |
| Return on Equity (ROE) | 12.3844% | 1,078 |
| Retained earnings to average equity (ytd only) | 4.7200% | 1,966 |
| Net charge-offs to loans | 0.2249% | 5,216 |
| Credit loss provision to net charge-offs | 107.1429% | 5,171 |
| Earnings coverage of net charge-offs (x) | 18.0655% | 1,149 |
| Efficiency ratio | 58.1956% | 6,733 |
| Assets per employee ($millions) | 2.4597% | 7,265 |
| Cash dividends to net income (ytd only)* | 61.8876% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3476% | 7,795 |
| Loan loss allowance to noncurrent loans | 36.7545% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 6,168 |
| Noncurrent loans to loans | 0.9456% | 5,422 |
| Net loans and leases to total assets | 54.1917% | 6,179 |
| Net loans and leases to deposits | 62.0896% | 6,462 |
| Net loans and leases to core deposits | 66.2629% | 6,966 |
| Total domestic deposits to total assets | 87.2800% | 2,340 |
| Equity capital to assets | 11.5368% | 2,293 |
| Core capital (leverage) ratio | 11.4080% | 1,966 |
| Tier 1 risk-based capital ratio | 24.4295% | 909 |
| Total risk-based capital ratio | 24.8337% | 966 |
| Memoranda: | ||
| Average total assets | $137,936,600 | 4,166 |
| Average earning assets | $131,494,800 | 4,055 |
| Average equity | $15,656,800 | 3,935 |
| Average total loans | $74,688,400 | 4,700 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4005% | 4,948 |
| Cost of funding earning assets | 1.2247% | 6,823 |
| Net interest margin | 4.1759% | 2,131 |
| Noninterest income to average assets | 1.1773% | 1,126 |
| Noninterest expense to average assets | 3.0486% | 3,847 |
| Loan and lease loss provision to assets | 0.1747% | 5,614 |
| Net operating income to assets | 1.3200% | 1,178 |
| Return on assets (ROA) | 1.3200% | 1,245 |
| Pretax return on assets | 1.9354% | 612 |
| Return on Equity (ROE) | 11.6781% | 1,445 |
| Retained earnings to average equity (ytd only) | 3.9500% | 3,071 |
| Net charge-offs to loans | 0.2799% | 4,280 |
| Credit loss provision to net charge-offs | 115.3846% | 4,403 |
| Earnings coverage of net charge-offs (x) | 13.9362% | 1,637 |
| Efficiency ratio | 59.0969% | 6,555 |
| Assets per employee ($millions) | 2.4412% | 7,320 |
| Cash dividends to net income (ytd only)* | 66.1764% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3651% | 7,853 |
| Loan loss allowance to noncurrent loans | 27.7555% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 5,671 |
| Noncurrent loans to loans | 1.3156% | 4,741 |
| Net loans and leases to total assets | 55.2879% | 6,230 |
| Net loans and leases to deposits | 63.6167% | 6,530 |
| Net loans and leases to core deposits | 68.4257% | 7,054 |
| Total domestic deposits to total assets | 86.9079% | 2,225 |
| Equity capital to assets | 11.6248% | 2,490 |
| Core capital (leverage) ratio | 11.3794% | 2,136 |
| Tier 1 risk-based capital ratio | 24.6983% | 925 |
| Total risk-based capital ratio | 25.1330% | 986 |
| Memoranda: | ||
| Average total assets | $137,369,750 | 4,203 |
| Average earning assets | $130,972,000 | 4,084 |
| Average equity | $15,527,250 | 3,997 |
| Average total loans | $74,299,500 | 4,760 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 5,219 |
| Cost of funding earning assets | 1.2778% | 6,877 |
| Net interest margin | 4.1094% | 2,288 |
| Noninterest income to average assets | 1.1323% | 1,228 |
| Noninterest expense to average assets | 3.0889% | 3,744 |
| Loan and lease loss provision to assets | 0.2616% | 4,483 |
| Net operating income to assets | 1.1382% | 1,636 |
| Return on assets (ROA) | 1.1382% | 1,720 |
| Pretax return on assets | 1.6992% | 1,021 |
| Return on Equity (ROE) | 10.1651% | 1,966 |
| Retained earnings to average equity (ytd only) | 2.3757% | 4,011 |
| Net charge-offs to loans | 0.3904% | 3,247 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 9.3681% | 2,139 |
| Efficiency ratio | 61.1687% | 6,372 |
| Assets per employee ($millions) | 2.4442% | 7,356 |
| Cash dividends to net income (ytd only)* | 76.6284% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3879% | 7,912 |
| Loan loss allowance to noncurrent loans | 30.9753% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 5,727 |
| Noncurrent loans to loans | 1.2524% | 4,701 |
| Net loans and leases to total assets | 53.2633% | 6,535 |
| Net loans and leases to deposits | 60.9183% | 6,822 |
| Net loans and leases to core deposits | 65.6153% | 7,231 |
| Total domestic deposits to total assets | 87.4341% | 2,040 |
| Equity capital to assets | 11.1728% | 2,772 |
| Core capital (leverage) ratio | 11.1451% | 2,298 |
| Tier 1 risk-based capital ratio | 23.3855% | 1,101 |
| Total risk-based capital ratio | 23.8227% | 1,146 |
| Memoranda: | ||
| Average total assets | $137,590,330 | 4,226 |
| Average earning assets | $131,162,330 | 4,116 |
| Average equity | $15,405,670 | 4,038 |
| Average total loans | $73,779,330 | 4,816 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5175% | 4,819 |
| Cost of funding earning assets | 1.3755% | 6,796 |
| Net interest margin | 4.1420% | 2,118 |
| Noninterest income to average assets | 1.1088% | 1,207 |
| Noninterest expense to average assets | 3.2269% | 2,872 |
| Loan and lease loss provision to assets | 0.5266% | 2,363 |
| Net operating income to assets | 0.8894% | 2,741 |
| Return on assets (ROA) | 0.8894% | 2,892 |
| Pretax return on assets | 1.2931% | 2,304 |
| Return on Equity (ROE) | 7.9345% | 3,174 |
| Retained earnings to average equity (ytd only) | 0.1044% | 5,617 |
| Net charge-offs to loans | 0.7845% | 1,643 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 4.3194% | 2,912 |
| Efficiency ratio | 63.9420% | 5,698 |
| Assets per employee ($millions) | 2.4806% | 7,319 |
| Cash dividends to net income (ytd only)* | 98.6842% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3941% | 7,948 |
| Loan loss allowance to noncurrent loans | 40.5899% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 5,702 |
| Noncurrent loans to loans | 0.9708% | 5,055 |
| Net loans and leases to total assets | 52.5876% | 6,623 |
| Net loans and leases to deposits | 60.2995% | 6,871 |
| Net loans and leases to core deposits | 64.2240% | 7,307 |
| Total domestic deposits to total assets | 87.2107% | 2,116 |
| Equity capital to assets | 11.0494% | 2,923 |
| Core capital (leverage) ratio | 11.2574% | 2,300 |
| Tier 1 risk-based capital ratio | 23.4058% | 1,152 |
| Total risk-based capital ratio | 23.8485% | 1,202 |
| Memoranda: | ||
| Average total assets | $136,725,000 | 4,260 |
| Average earning assets | $129,986,500 | 4,156 |
| Average equity | $15,325,500 | 4,078 |
| Average total loans | $73,421,000 | 4,855 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1024% | 5,032 |
| Cost of funding earning assets | 1.7508% | 7,132 |
| Net interest margin | 4.3517% | 1,819 |
| Noninterest income to average assets | 0.9599% | 1,724 |
| Noninterest expense to average assets | 2.9782% | 4,159 |
| Loan and lease loss provision to assets | 0.0370% | 6,944 |
| Net operating income to assets | 1.3833% | 1,272 |
| Return on assets (ROA) | 1.3843% | 1,218 |
| Pretax return on assets | 2.0790% | 511 |
| Return on Equity (ROE) | 12.5057% | 1,445 |
| Retained earnings to average equity (ytd only) | 4.4764% | 2,343 |
| Net charge-offs to loans | 0.0615% | 5,903 |
| Credit loss provision to net charge-offs | 111.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | 63.4444% | 638 |
| Efficiency ratio | 58.4788% | 6,606 |
| Assets per employee ($millions) | 2.3196% | 7,530 |
| Cash dividends to net income (ytd only)* | 64.2055% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3442% | 8,048 |
| Loan loss allowance to noncurrent loans | 1,204.7619% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 7,126 |
| Noncurrent loans to loans | 0.0286% | 7,398 |
| Net loans and leases to total assets | 54.4452% | 6,605 |
| Net loans and leases to deposits | 62.3035% | 6,921 |
| Net loans and leases to core deposits | 66.1851% | 7,355 |
| Total domestic deposits to total assets | 87.3871% | 1,759 |
| Equity capital to assets | 11.3738% | 2,726 |
| Core capital (leverage) ratio | 11.4373% | 2,292 |
| Tier 1 risk-based capital ratio | 23.9226% | 1,096 |
| Total risk-based capital ratio | 24.3188% | 1,159 |
| Memoranda: | ||
| Average total assets | $135,014,000 | 4,184 |
| Average earning assets | $128,227,200 | 4,077 |
| Average equity | $14,945,200 | 4,150 |
| Average total loans | $73,194,800 | 4,765 |