Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 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 | 6.3504% | 405 |
| Cost of funding earning assets | 2.6760% | 261 |
| Net interest margin | 3.6744% | 1,804 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.0775% | 3,457 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.1870% | 1,676 |
| Return on assets (ROA) | 1.1870% | 1,657 |
| Pretax return on assets | 1.5457% | 1,332 |
| Return on Equity (ROE) | 17.6600% | 866 |
| Retained earnings to average equity (ytd only) | 14.1957% | 384 |
| Net charge-offs to loans | 0.0053% | 2,519 |
| Credit loss provision to net charge-offs | 2,375.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 403.5000% | 350 |
| Efficiency ratio | 55.4390% | 3,554 |
| Assets per employee ($millions) | 9.9860% | 708 |
| Cash dividends to net income (ytd only)* | 19.6121% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 2,977 |
| Loan loss allowance to noncurrent loans | 740.1261% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 1,802 |
| Noncurrent loans to loans | 0.1446% | 2,792 |
| Net loans and leases to total assets | 77.6200% | 899 |
| Net loans and leases to deposits | 87.1416% | 1,524 |
| Net loans and leases to core deposits | 91.9406% | 1,906 |
| Total domestic deposits to total assets | 89.0800% | 1,043 |
| Equity capital to assets | 6.8415% | 4,000 |
| Core capital (leverage) ratio | 8.8181% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4132% | 2,447 |
| Memoranda: | ||
| Average total assets | $386,610,400 | 2,055 |
| Average earning assets | $362,074,200 | 2,032 |
| Average equity | $25,986,800 | 2,463 |
| Average total loans | $300,321,800 | 1,788 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2460% | 395 |
| Cost of funding earning assets | 2.5128% | 271 |
| Net interest margin | 3.7332% | 1,720 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.1024% | 3,352 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.2219% | 1,731 |
| Return on assets (ROA) | 1.2219% | 1,723 |
| Pretax return on assets | 1.6338% | 1,292 |
| Return on Equity (ROE) | 18.2700% | 916 |
| Retained earnings to average equity (ytd only) | 18.2690% | 327 |
| Net charge-offs to loans | -0.0050% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.4236% | 3,556 |
| Assets per employee ($millions) | 9.7294% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 2,936 |
| Loan loss allowance to noncurrent loans | 857.5000% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 1,698 |
| Noncurrent loans to loans | 0.1266% | 2,920 |
| Net loans and leases to total assets | 78.3500% | 839 |
| Net loans and leases to deposits | 87.7359% | 1,411 |
| Net loans and leases to core deposits | 92.9479% | 1,736 |
| Total domestic deposits to total assets | 89.3100% | 1,155 |
| Equity capital to assets | 6.3957% | 3,862 |
| Core capital (leverage) ratio | 9.0900% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7385% | 2,370 |
| Memoranda: | ||
| Average total assets | $378,409,750 | 2,086 |
| Average earning assets | $355,289,500 | 2,066 |
| Average equity | $25,310,000 | 2,483 |
| Average total loans | $293,129,250 | 1,817 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1444% | 376 |
| Cost of funding earning assets | 2.3047% | 273 |
| Net interest margin | 3.8397% | 1,543 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.1336% | 3,256 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.2843% | 1,611 |
| Return on assets (ROA) | 1.2843% | 1,599 |
| Pretax return on assets | 1.7116% | 1,186 |
| Return on Equity (ROE) | 18.9000% | 843 |
| Retained earnings to average equity (ytd only) | 18.9047% | 289 |
| Net charge-offs to loans | -0.0070% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.6836% | 3,641 |
| Assets per employee ($millions) | 9.1622% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 2,952 |
| Loan loss allowance to noncurrent loans | 852.8351% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 1,552 |
| Noncurrent loans to loans | 0.1291% | 2,829 |
| Net loans and leases to total assets | 77.2300% | 914 |
| Net loans and leases to deposits | 84.5920% | 1,617 |
| Net loans and leases to core deposits | 89.1138% | 1,857 |
| Total domestic deposits to total assets | 91.2900% | 561 |
| Equity capital to assets | 6.9252% | 3,830 |
| Core capital (leverage) ratio | 9.1204% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0260% | 2,282 |
| Memoranda: | ||
| Average total assets | $371,577,667 | 2,117 |
| Average earning assets | $348,935,000 | 2,103 |
| Average equity | $25,242,333 | 2,511 |
| Average total loans | $285,511,000 | 1,841 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9561% | 328 |
| Cost of funding earning assets | 2.0661% | 255 |
| Net interest margin | 3.8899% | 1,495 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.1591% | 3,228 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.2999% | 1,662 |
| Return on assets (ROA) | 1.2999% | 1,635 |
| Pretax return on assets | 1.7207% | 1,236 |
| Return on Equity (ROE) | 19.3300% | 838 |
| Retained earnings to average equity (ytd only) | 19.3325% | 414 |
| Net charge-offs to loans | 0.0101% | 1,559 |
| Credit loss provision to net charge-offs | 571.4286% | 523 |
| Earnings coverage of net charge-offs (x) | 241.4286% | 441 |
| Efficiency ratio | 53.8251% | 3,619 |
| Assets per employee ($millions) | 8.8283% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,026 |
| Loan loss allowance to noncurrent loans | 1,195.5056% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 1,598 |
| Noncurrent loans to loans | 0.0925% | 3,088 |
| Net loans and leases to total assets | 75.2300% | 1,058 |
| Net loans and leases to deposits | 82.2723% | 1,631 |
| Net loans and leases to core deposits | 86.5566% | 1,832 |
| Total domestic deposits to total assets | 91.4400% | 662 |
| Equity capital to assets | 6.7618% | 3,936 |
| Core capital (leverage) ratio | 9.0198% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0216% | 2,379 |
| Memoranda: | ||
| Average total assets | $364,961,000 | 2,178 |
| Average earning assets | $341,702,000 | 2,167 |
| Average equity | $24,539,000 | 2,569 |
| Average total loans | $278,021,000 | 1,889 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 177 |
| Cost of funding earning assets | 1.0171% | 145 |
| Net interest margin | 4.3751% | 364 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.2951% | 2,750 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.4516% | 1,003 |
| Return on assets (ROA) | 1.4518% | 960 |
| Pretax return on assets | 1.8844% | 605 |
| Return on Equity (ROE) | 19.8600% | 496 |
| Retained earnings to average equity (ytd only) | 19.8626% | 93 |
| Net charge-offs to loans | 0.0143% | 1,845 |
| Credit loss provision to net charge-offs | 2,757.5758% | 203 |
| Earnings coverage of net charge-offs (x) | 215.3939% | 623 |
| Efficiency ratio | 51.5077% | 4,030 |
| Assets per employee ($millions) | 8.1467% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 2,478 |
| Loan loss allowance to noncurrent loans | 706.7114% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 1,305 |
| Noncurrent loans to loans | 0.1672% | 2,647 |
| Net loans and leases to total assets | 75.3900% | 1,076 |
| Net loans and leases to deposits | 82.7756% | 1,557 |
| Net loans and leases to core deposits | 86.5887% | 1,705 |
| Total domestic deposits to total assets | 91.0800% | 924 |
| Equity capital to assets | 6.6824% | 3,824 |
| Core capital (leverage) ratio | 9.3136% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3006% | 2,239 |
| Memoranda: | ||
| Average total assets | $328,966,800 | 2,304 |
| Average earning assets | $307,260,800 | 2,293 |
| Average equity | $24,045,200 | 2,636 |
| Average total loans | $230,272,000 | 2,052 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2737% | 149 |
| Cost of funding earning assets | 0.8592% | 123 |
| Net interest margin | 4.4145% | 271 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.2844% | 2,676 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.5780% | 691 |
| Return on assets (ROA) | 1.5783% | 670 |
| Pretax return on assets | 2.1085% | 372 |
| Return on Equity (ROE) | 21.1000% | 344 |
| Retained earnings to average equity (ytd only) | 21.1032% | 80 |
| Net charge-offs to loans | 0.0133% | 1,625 |
| Credit loss provision to net charge-offs | 1,409.0909% | 320 |
| Earnings coverage of net charge-offs (x) | 246.6818% | 543 |
| Efficiency ratio | 50.5377% | 4,127 |
| Assets per employee ($millions) | 7.8584% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,260 |
| Loan loss allowance to noncurrent loans | 1,044.7154% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 1,460 |
| Noncurrent loans to loans | 0.1004% | 3,159 |
| Net loans and leases to total assets | 73.4500% | 1,143 |
| Net loans and leases to deposits | 79.9955% | 1,571 |
| Net loans and leases to core deposits | 84.2462% | 1,633 |
| Total domestic deposits to total assets | 91.8200% | 935 |
| Equity capital to assets | 6.4635% | 3,761 |
| Core capital (leverage) ratio | 9.5976% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4768% | 2,275 |
| Memoranda: | ||
| Average total assets | $323,632,000 | 2,351 |
| Average earning assets | $302,296,250 | 2,345 |
| Average equity | $24,204,250 | 2,675 |
| Average total loans | $221,022,000 | 2,101 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 145 |
| Cost of funding earning assets | 0.8207% | 92 |
| Net interest margin | 4.2803% | 288 |
| Noninterest income to average assets | 0.3720% | 2,915 |
| Noninterest expense to average assets | 2.2651% | 2,654 |
| Loan and lease loss provision to assets | 0.1120% | 895 |
| Net operating income to assets | 1.5024% | 705 |
| Return on assets (ROA) | 1.5024% | 683 |
| Pretax return on assets | 2.0050% | 375 |
| Return on Equity (ROE) | 19.1961% | 369 |
| Retained earnings to average equity (ytd only) | 19.1961% | 92 |
| Net charge-offs to loans | 0.0084% | 1,668 |
| Credit loss provision to net charge-offs | 2,000.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 378.1111% | 333 |
| Efficiency ratio | 51.6894% | 4,150 |
| Assets per employee ($millions) | 7.9882% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,264 |
| Loan loss allowance to noncurrent loans | 723.5988% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 1,401 |
| Noncurrent loans to loans | 0.1485% | 2,953 |
| Net loans and leases to total assets | 68.9677% | 1,399 |
| Net loans and leases to deposits | 74.4580% | 1,812 |
| Net loans and leases to core deposits | 78.4023% | 1,832 |
| Total domestic deposits to total assets | 92.6263% | 607 |
| Equity capital to assets | 6.9990% | 3,771 |
| Core capital (leverage) ratio | 9.0577% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8929% | 2,103 |
| Memoranda: | ||
| Average total assets | $321,492,333 | 2,379 |
| Average earning assets | $301,197,000 | 2,378 |
| Average equity | $25,161,333 | 2,673 |
| Average total loans | $213,032,667 | 2,153 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 175 |
| Cost of funding earning assets | 0.7997% | 89 |
| Net interest margin | 4.0961% | 340 |
| Noninterest income to average assets | 0.3680% | 2,885 |
| Noninterest expense to average assets | 2.2771% | 2,587 |
| Loan and lease loss provision to assets | 0.1130% | 739 |
| Net operating income to assets | 1.3703% | 856 |
| Return on assets (ROA) | 1.3703% | 849 |
| Pretax return on assets | 1.8186% | 528 |
| Return on Equity (ROE) | 16.6055% | 464 |
| Retained earnings to average equity (ytd only) | 16.6055% | 201 |
| Net charge-offs to loans | 0.0195% | 1,142 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 153.8000% | 527 |
| Efficiency ratio | 54.1033% | 4,044 |
| Assets per employee ($millions) | 8.1725% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,259 |
| Loan loss allowance to noncurrent loans | 432.6007% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 1,125 |
| Noncurrent loans to loans | 0.2581% | 2,554 |
| Net loans and leases to total assets | 63.9912% | 1,622 |
| Net loans and leases to deposits | 69.5134% | 2,006 |
| Net loans and leases to core deposits | 73.4367% | 1,983 |
| Total domestic deposits to total assets | 92.0559% | 555 |
| Equity capital to assets | 7.5290% | 3,914 |
| Core capital (leverage) ratio | 9.2340% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3609% | 2,052 |
| Memoranda: | ||
| Average total assets | $318,480,000 | 2,405 |
| Average earning assets | $298,622,000 | 2,398 |
| Average equity | $26,280,500 | 2,703 |
| Average total loans | $205,382,000 | 2,194 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3807% | 154 |
| Cost of funding earning assets | 0.8909% | 127 |
| Net interest margin | 4.4897% | 278 |
| Noninterest income to average assets | 0.3849% | 3,133 |
| Noninterest expense to average assets | 2.4718% | 2,269 |
| Loan and lease loss provision to assets | 0.2983% | 272 |
| Net operating income to assets | 1.3928% | 1,303 |
| Return on assets (ROA) | 1.3936% | 1,352 |
| Pretax return on assets | 1.8087% | 898 |
| Return on Equity (ROE) | 17.3581% | 537 |
| Retained earnings to average equity (ytd only) | 16.1458% | 166 |
| Net charge-offs to loans | 0.0563% | 1,233 |
| Credit loss provision to net charge-offs | 816.3265% | 600 |
| Earnings coverage of net charge-offs (x) | 57.6224% | 1,205 |
| Efficiency ratio | 53.9959% | 3,929 |
| Assets per employee ($millions) | 7.9503% | 1,357 |
| Cash dividends to net income (ytd only)* | 6.9842% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,145 |
| Loan loss allowance to noncurrent loans | 345.2345% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 2,069 |
| Noncurrent loans to loans | 0.3318% | 2,396 |
| Net loans and leases to total assets | 63.5144% | 1,762 |
| Net loans and leases to deposits | 70.1030% | 2,123 |
| Net loans and leases to core deposits | 74.4760% | 2,039 |
| Total domestic deposits to total assets | 90.6016% | 669 |
| Equity capital to assets | 9.0140% | 3,603 |
| Core capital (leverage) ratio | 9.4840% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9806% | 1,849 |
| Memoranda: | ||
| Average total assets | $268,145,000 | 2,613 |
| Average earning assets | $250,415,400 | 2,611 |
| Average equity | $21,528,800 | 3,092 |
| Average total loans | $173,933,400 | 2,431 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 161 |
| Cost of funding earning assets | 0.9124% | 137 |
| Net interest margin | 4.5162% | 304 |
| Noninterest income to average assets | 0.4124% | 3,017 |
| Noninterest expense to average assets | 2.4765% | 2,193 |
| Loan and lease loss provision to assets | 0.1164% | 1,030 |
| Net operating income to assets | 1.5180% | 1,227 |
| Return on assets (ROA) | 1.5192% | 1,273 |
| Pretax return on assets | 2.0243% | 764 |
| Return on Equity (ROE) | 19.6478% | 453 |
| Retained earnings to average equity (ytd only) | 17.9011% | 201 |
| Net charge-offs to loans | 0.0350% | 1,376 |
| Credit loss provision to net charge-offs | 511.3636% | 750 |
| Earnings coverage of net charge-offs (x) | 93.9545% | 900 |
| Efficiency ratio | 53.6547% | 3,848 |
| Assets per employee ($millions) | 7.4083% | 1,617 |
| Cash dividends to net income (ytd only)* | 8.8896% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,013 |
| Loan loss allowance to noncurrent loans | 329.1589% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 2,726 |
| Noncurrent loans to loans | 0.2880% | 2,763 |
| Net loans and leases to total assets | 63.6795% | 1,811 |
| Net loans and leases to deposits | 69.2270% | 2,310 |
| Net loans and leases to core deposits | 74.0589% | 2,237 |
| Total domestic deposits to total assets | 91.9865% | 132 |
| Equity capital to assets | 7.5656% | 4,690 |
| Core capital (leverage) ratio | 7.7913% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6268% | 2,820 |
| Memoranda: | ||
| Average total assets | $257,665,750 | 2,697 |
| Average earning assets | $239,813,250 | 2,702 |
| Average equity | $19,923,750 | 3,257 |
| Average total loans | $167,612,750 | 2,523 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5409% | 163 |
| Cost of funding earning assets | 0.9257% | 163 |
| Net interest margin | 4.6152% | 300 |
| Noninterest income to average assets | 0.4239% | 2,986 |
| Noninterest expense to average assets | 2.5214% | 2,078 |
| Loan and lease loss provision to assets | 0.1213% | 1,044 |
| Net operating income to assets | 1.5405% | 1,190 |
| Return on assets (ROA) | 1.5418% | 1,250 |
| Pretax return on assets | 2.0619% | 739 |
| Return on Equity (ROE) | 19.7732% | 472 |
| Retained earnings to average equity (ytd only) | 17.0655% | 266 |
| Net charge-offs to loans | 0.0446% | 1,186 |
| Credit loss provision to net charge-offs | 416.6667% | 742 |
| Earnings coverage of net charge-offs (x) | 74.9167% | 869 |
| Efficiency ratio | 53.6120% | 3,852 |
| Assets per employee ($millions) | 6.8610% | 1,902 |
| Cash dividends to net income (ytd only)* | 13.6936% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,876 |
| Loan loss allowance to noncurrent loans | 551.7915% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 3,199 |
| Noncurrent loans to loans | 0.1780% | 3,326 |
| Net loans and leases to total assets | 62.2430% | 2,150 |
| Net loans and leases to deposits | 67.6988% | 2,645 |
| Net loans and leases to core deposits | 73.3740% | 2,475 |
| Total domestic deposits to total assets | 91.9410% | 138 |
| Equity capital to assets | 7.6764% | 4,685 |
| Core capital (leverage) ratio | 7.8753% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0254% | 2,709 |
| Memoranda: | ||
| Average total assets | $247,246,000 | 2,753 |
| Average earning assets | $229,241,000 | 2,769 |
| Average equity | $19,278,667 | 3,307 |
| Average total loans | $161,568,000 | 2,585 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 187 |
| Cost of funding earning assets | 0.9226% | 199 |
| Net interest margin | 4.6297% | 303 |
| Noninterest income to average assets | 0.4742% | 2,730 |
| Noninterest expense to average assets | 2.6073% | 1,870 |
| Loan and lease loss provision to assets | 0.1284% | 1,070 |
| Net operating income to assets | 1.5055% | 1,318 |
| Return on assets (ROA) | 1.5082% | 1,369 |
| Pretax return on assets | 2.0030% | 943 |
| Return on Equity (ROE) | 19.1683% | 607 |
| Retained earnings to average equity (ytd only) | 13.4896% | 817 |
| Net charge-offs to loans | 0.0538% | 971 |
| Credit loss provision to net charge-offs | 357.1429% | 690 |
| Earnings coverage of net charge-offs (x) | 59.1905% | 827 |
| Efficiency ratio | 55.0615% | 3,657 |
| Assets per employee ($millions) | 6.6390% | 2,064 |
| Cash dividends to net income (ytd only)* | 29.6254% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,721 |
| Loan loss allowance to noncurrent loans | 435.7333% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 2,092 |
| Noncurrent loans to loans | 0.2365% | 3,255 |
| Net loans and leases to total assets | 60.6003% | 2,466 |
| Net loans and leases to deposits | 66.5402% | 2,860 |
| Net loans and leases to core deposits | 71.3765% | 2,757 |
| Total domestic deposits to total assets | 91.0733% | 377 |
| Equity capital to assets | 7.7174% | 4,625 |
| Core capital (leverage) ratio | 8.7327% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4286% | 2,520 |
| Memoranda: | ||
| Average total assets | $233,649,500 | 2,837 |
| Average earning assets | $215,044,500 | 2,853 |
| Average equity | $18,384,500 | 3,386 |
| Average total loans | $156,095,500 | 2,635 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5088% | 57 |
| Cost of funding earning assets | 1.1125% | 381 |
| Net interest margin | 5.3963% | 72 |
| Noninterest income to average assets | 0.5085% | 2,594 |
| Noninterest expense to average assets | 3.2567% | 960 |
| Loan and lease loss provision to assets | 0.1324% | 2,705 |
| Net operating income to assets | 1.5904% | 655 |
| Return on assets (ROA) | 1.5999% | 693 |
| Pretax return on assets | 2.1288% | 347 |
| Return on Equity (ROE) | 18.9638% | 281 |
| Retained earnings to average equity (ytd only) | 15.6364% | 132 |
| Net charge-offs to loans | 0.0352% | 2,347 |
| Credit loss provision to net charge-offs | 480.0000% | 1,289 |
| Earnings coverage of net charge-offs (x) | 81.5600% | 886 |
| Efficiency ratio | 59.1506% | 3,571 |
| Assets per employee ($millions) | 5.3430% | 3,005 |
| Cash dividends to net income (ytd only)* | 17.5457% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,766 |
| Loan loss allowance to noncurrent loans | 408.2687% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 2,016 |
| Noncurrent loans to loans | 0.2519% | 3,294 |
| Net loans and leases to total assets | 72.9780% | 1,161 |
| Net loans and leases to deposits | 80.6566% | 1,797 |
| Net loans and leases to core deposits | 87.2692% | 1,767 |
| Total domestic deposits to total assets | 90.4798% | 384 |
| Equity capital to assets | 8.0560% | 4,687 |
| Core capital (leverage) ratio | 8.1699% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3947% | 2,824 |
| Memoranda: | ||
| Average total assets | $181,319,200 | 3,092 |
| Average earning assets | $167,912,200 | 3,090 |
| Average equity | $15,297,600 | 3,630 |
| Average total loans | $141,891,600 | 2,730 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6800% | 56 |
| Cost of funding earning assets | 1.1373% | 461 |
| Net interest margin | 5.5428% | 72 |
| Noninterest income to average assets | 0.5530% | 2,378 |
| Noninterest expense to average assets | 3.3204% | 879 |
| Loan and lease loss provision to assets | 0.1375% | 2,638 |
| Net operating income to assets | 1.6787% | 606 |
| Return on assets (ROA) | 1.6896% | 651 |
| Pretax return on assets | 2.2426% | 312 |
| Return on Equity (ROE) | 19.7602% | 247 |
| Retained earnings to average equity (ytd only) | 15.2132% | 190 |
| Net charge-offs to loans | 0.0297% | 2,238 |
| Credit loss provision to net charge-offs | 580.6452% | 1,178 |
| Earnings coverage of net charge-offs (x) | 99.9355% | 790 |
| Efficiency ratio | 58.3882% | 3,614 |
| Assets per employee ($millions) | 4.9431% | 3,324 |
| Cash dividends to net income (ytd only)* | 23.0108% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 3,629 |
| Loan loss allowance to noncurrent loans | 384.7500% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 2,100 |
| Noncurrent loans to loans | 0.2645% | 3,344 |
| Net loans and leases to total assets | 77.6461% | 874 |
| Net loans and leases to deposits | 86.7801% | 1,613 |
| Net loans and leases to core deposits | 94.6260% | 1,585 |
| Total domestic deposits to total assets | 89.4746% | 588 |
| Equity capital to assets | 8.3623% | 4,541 |
| Core capital (leverage) ratio | 8.4534% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0273% | 2,914 |
| Memoranda: | ||
| Average total assets | $174,554,500 | 3,138 |
| Average earning assets | $161,672,000 | 3,138 |
| Average equity | $14,925,250 | 3,663 |
| Average total loans | $138,952,000 | 2,768 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8291% | 67 |
| Cost of funding earning assets | 1.1635% | 582 |
| Net interest margin | 5.6655% | 81 |
| Noninterest income to average assets | 0.6232% | 2,046 |
| Noninterest expense to average assets | 3.4449% | 800 |
| Loan and lease loss provision to assets | 0.1425% | 2,590 |
| Net operating income to assets | 1.7410% | 572 |
| Return on assets (ROA) | 1.7569% | 601 |
| Pretax return on assets | 2.3160% | 298 |
| Return on Equity (ROE) | 20.3763% | 228 |
| Retained earnings to average equity (ytd only) | 13.3685% | 320 |
| Net charge-offs to loans | 0.0282% | 2,152 |
| Credit loss provision to net charge-offs | 631.5789% | 1,069 |
| Earnings coverage of net charge-offs (x) | 108.1053% | 667 |
| Efficiency ratio | 58.5553% | 3,618 |
| Assets per employee ($millions) | 4.5163% | 3,769 |
| Cash dividends to net income (ytd only)* | 34.3919% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,340 |
| Loan loss allowance to noncurrent loans | 378.4264% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 2,103 |
| Noncurrent loans to loans | 0.2764% | 3,391 |
| Net loans and leases to total assets | 78.0848% | 835 |
| Net loans and leases to deposits | 87.4683% | 1,615 |
| Net loans and leases to core deposits | 94.4765% | 1,703 |
| Total domestic deposits to total assets | 89.2721% | 654 |
| Equity capital to assets | 8.4815% | 4,487 |
| Core capital (leverage) ratio | 8.5817% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1763% | 2,921 |
| Memoranda: | ||
| Average total assets | $168,479,000 | 3,170 |
| Average earning assets | $156,419,667 | 3,170 |
| Average equity | $14,526,667 | 3,702 |
| Average total loans | $134,860,667 | 2,805 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8636% | 64 |
| Cost of funding earning assets | 1.1990% | 774 |
| Net interest margin | 5.6647% | 71 |
| Noninterest income to average assets | 0.5419% | 2,322 |
| Noninterest expense to average assets | 3.4731% | 972 |
| Loan and lease loss provision to assets | 0.1478% | 1,919 |
| Net operating income to assets | 1.6405% | 574 |
| Return on assets (ROA) | 1.6405% | 635 |
| Pretax return on assets | 2.2045% | 292 |
| Return on Equity (ROE) | 18.8548% | 218 |
| Retained earnings to average equity (ytd only) | 12.9379% | 329 |
| Net charge-offs to loans | 0.0031% | 2,487 |
| Credit loss provision to net charge-offs | 6,000.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 955.0000% | 56 |
| Efficiency ratio | 59.6195% | 3,796 |
| Assets per employee ($millions) | 4.5879% | 3,144 |
| Cash dividends to net income (ytd only)* | 31.3814% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 3,340 |
| Loan loss allowance to noncurrent loans | 162.4439% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 1,467 |
| Noncurrent loans to loans | 0.6607% | 2,335 |
| Net loans and leases to total assets | 80.8587% | 583 |
| Net loans and leases to deposits | 89.1558% | 1,615 |
| Net loans and leases to core deposits | 96.8210% | 1,728 |
| Total domestic deposits to total assets | 90.6936% | 150 |
| Equity capital to assets | 8.6561% | 4,770 |
| Core capital (leverage) ratio | 8.8933% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4519% | 2,947 |
| Memoranda: | ||
| Average total assets | $162,393,000 | 3,191 |
| Average earning assets | $151,465,500 | 3,176 |
| Average equity | $14,129,000 | 3,757 |
| Average total loans | $131,015,000 | 2,821 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4867% | 113 |
| Cost of funding earning assets | 1.1642% | 1,111 |
| Net interest margin | 5.3225% | 146 |
| Noninterest income to average assets | 0.5521% | 2,465 |
| Noninterest expense to average assets | 3.3988% | 1,122 |
| Loan and lease loss provision to assets | 0.1685% | 1,235 |
| Net operating income to assets | 1.4207% | 1,273 |
| Return on assets (ROA) | 1.4509% | 1,247 |
| Pretax return on assets | 1.9647% | 644 |
| Return on Equity (ROE) | 17.3808% | 380 |
| Retained earnings to average equity (ytd only) | 14.2757% | 113 |
| Net charge-offs to loans | 0.0552% | 2,311 |
| Credit loss provision to net charge-offs | 393.9394% | 718 |
| Earnings coverage of net charge-offs (x) | 48.9848% | 1,146 |
| Efficiency ratio | 61.8660% | 3,402 |
| Assets per employee ($millions) | 4.6947% | 2,953 |
| Cash dividends to net income (ytd only)* | 17.8651% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 2,985 |
| Loan loss allowance to noncurrent loans | 92.4202% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 1,330 |
| Noncurrent loans to loans | 1.1840% | 1,279 |
| Net loans and leases to total assets | 78.7119% | 977 |
| Net loans and leases to deposits | 86.8297% | 1,990 |
| Net loans and leases to core deposits | 94.2875% | 2,033 |
| Total domestic deposits to total assets | 90.6509% | 169 |
| Equity capital to assets | 8.7464% | 4,807 |
| Core capital (leverage) ratio | 8.9600% | 4,559 |
| Tier 1 risk-based capital ratio | 11.8326% | 4,458 |
| Total risk-based capital ratio | 13.0118% | 4,368 |
| Memoranda: | ||
| Average total assets | $154,320,800 | 3,250 |
| Average earning assets | $143,278,200 | 3,238 |
| Average equity | $12,882,000 | 3,893 |
| Average total loans | $119,515,000 | 2,949 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4289% | 121 |
| Cost of funding earning assets | 1.1479% | 1,183 |
| Net interest margin | 5.2810% | 173 |
| Noninterest income to average assets | 0.5821% | 2,300 |
| Noninterest expense to average assets | 3.4170% | 1,057 |
| Loan and lease loss provision to assets | 0.1569% | 1,199 |
| Net operating income to assets | 1.4240% | 1,400 |
| Return on assets (ROA) | 1.4240% | 1,456 |
| Pretax return on assets | 1.9076% | 849 |
| Return on Equity (ROE) | 17.2738% | 453 |
| Retained earnings to average equity (ytd only) | 13.0452% | 275 |
| Net charge-offs to loans | 0.0385% | 2,318 |
| Credit loss provision to net charge-offs | 529.4118% | 601 |
| Earnings coverage of net charge-offs (x) | 69.6799% | 954 |
| Efficiency ratio | 62.3370% | 3,275 |
| Assets per employee ($millions) | 4.5632% | 3,104 |
| Cash dividends to net income (ytd only)* | 24.4798% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,100 |
| Loan loss allowance to noncurrent loans | 150.6173% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 1,809 |
| Noncurrent loans to loans | 0.7212% | 2,162 |
| Net loans and leases to total assets | 78.7694% | 1,022 |
| Net loans and leases to deposits | 86.9890% | 2,063 |
| Net loans and leases to core deposits | 94.4969% | 2,134 |
| Total domestic deposits to total assets | 90.5510% | 163 |
| Equity capital to assets | 8.7045% | 4,925 |
| Core capital (leverage) ratio | 8.7061% | 4,836 |
| Tier 1 risk-based capital ratio | 11.9835% | 4,424 |
| Total risk-based capital ratio | 13.1887% | 4,335 |
| Memoranda: | ||
| Average total assets | $152,996,000 | 3,293 |
| Average earning assets | $141,939,750 | 3,288 |
| Average equity | $12,612,250 | 3,961 |
| Average total loans | $117,636,250 | 2,998 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3726% | 137 |
| Cost of funding earning assets | 1.1174% | 1,230 |
| Net interest margin | 5.2552% | 178 |
| Noninterest income to average assets | 0.5845% | 2,223 |
| Noninterest expense to average assets | 3.4503% | 1,026 |
| Loan and lease loss provision to assets | 0.1576% | 1,153 |
| Net operating income to assets | 1.3869% | 1,468 |
| Return on assets (ROA) | 1.3869% | 1,527 |
| Pretax return on assets | 1.8440% | 942 |
| Return on Equity (ROE) | 17.1503% | 451 |
| Retained earnings to average equity (ytd only) | 10.6540% | 612 |
| Net charge-offs to loans | 0.0190% | 2,492 |
| Credit loss provision to net charge-offs | 1,090.9091% | 320 |
| Earnings coverage of net charge-offs (x) | 138.5455% | 529 |
| Efficiency ratio | 63.2860% | 3,240 |
| Assets per employee ($millions) | 4.5521% | 3,059 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 3,114 |
| Loan loss allowance to noncurrent loans | 442.3729% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 3,014 |
| Noncurrent loans to loans | 0.2469% | 3,651 |
| Net loans and leases to total assets | 76.3704% | 1,496 |
| Net loans and leases to deposits | 83.9155% | 2,497 |
| Net loans and leases to core deposits | 91.2812% | 2,478 |
| Total domestic deposits to total assets | 91.0087% | 105 |
| Equity capital to assets | 8.3368% | 5,102 |
| Core capital (leverage) ratio | 8.3605% | 5,038 |
| Tier 1 risk-based capital ratio | 11.4635% | 4,702 |
| Total risk-based capital ratio | 12.6355% | 4,640 |
| Memoranda: | ||
| Average total assets | $152,278,330 | 3,325 |
| Average earning assets | $141,040,330 | 3,311 |
| Average equity | $12,314,670 | 4,004 |
| Average total loans | $115,664,330 | 3,035 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2508% | 147 |
| Cost of funding earning assets | 1.0891% | 1,221 |
| Net interest margin | 5.1617% | 212 |
| Noninterest income to average assets | 0.6012% | 2,038 |
| Noninterest expense to average assets | 3.4907% | 976 |
| Loan and lease loss provision to assets | 0.1589% | 1,065 |
| Net operating income to assets | 1.3004% | 1,695 |
| Return on assets (ROA) | 1.3004% | 1,734 |
| Pretax return on assets | 1.7215% | 1,167 |
| Return on Equity (ROE) | 16.3388% | 551 |
| Retained earnings to average equity (ytd only) | 13.0111% | 462 |
| Net charge-offs to loans | 0.0387% | 1,721 |
| Credit loss provision to net charge-offs | 545.4545% | 582 |
| Earnings coverage of net charge-offs (x) | 64.5455% | 884 |
| Efficiency ratio | 64.9901% | 3,088 |
| Assets per employee ($millions) | 4.5091% | 3,176 |
| Cash dividends to net income (ytd only)* | 20.3666% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,151 |
| Loan loss allowance to noncurrent loans | 188.0665% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 2,221 |
| Noncurrent loans to loans | 0.5827% | 2,590 |
| Net loans and leases to total assets | 73.2899% | 1,933 |
| Net loans and leases to deposits | 80.2245% | 2,815 |
| Net loans and leases to core deposits | 86.6233% | 2,811 |
| Total domestic deposits to total assets | 91.3560% | 112 |
| Equity capital to assets | 8.0348% | 5,174 |
| Core capital (leverage) ratio | 8.3821% | 5,069 |
| Tier 1 risk-based capital ratio | 11.6544% | 4,655 |
| Total risk-based capital ratio | 12.8151% | 4,592 |
| Memoranda: | ||
| Average total assets | $151,031,500 | 3,375 |
| Average earning assets | $139,567,000 | 3,372 |
| Average equity | $12,020,500 | 4,052 |
| Average total loans | $113,744,000 | 3,105 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3272% | 109 |
| Cost of funding earning assets | 0.9235% | 1,013 |
| Net interest margin | 5.4037% | 128 |
| Noninterest income to average assets | 0.5927% | 2,333 |
| Noninterest expense to average assets | 3.6826% | 791 |
| Loan and lease loss provision to assets | 0.1706% | 1,172 |
| Net operating income to assets | 1.2877% | 1,858 |
| Return on assets (ROA) | 1.2877% | 1,846 |
| Pretax return on assets | 1.7084% | 1,148 |
| Return on Equity (ROE) | 16.7660% | 516 |
| Retained earnings to average equity (ytd only) | 14.9154% | 120 |
| Net charge-offs to loans | 0.0119% | 3,282 |
| Credit loss provision to net charge-offs | 1,846.1538% | 237 |
| Earnings coverage of net charge-offs (x) | 203.3846% | 451 |
| Efficiency ratio | 66.2152% | 2,838 |
| Assets per employee ($millions) | 4.3751% | 3,335 |
| Cash dividends to net income (ytd only)* | 11.0375% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,381 |
| Loan loss allowance to noncurrent loans | 1,359.0909% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 3,592 |
| Noncurrent loans to loans | 0.0773% | 4,409 |
| Net loans and leases to total assets | 75.7539% | 1,657 |
| Net loans and leases to deposits | 82.7619% | 2,645 |
| Net loans and leases to core deposits | 88.7229% | 2,677 |
| Total domestic deposits to total assets | 91.5323% | 114 |
| Equity capital to assets | 7.8808% | 5,200 |
| Core capital (leverage) ratio | 8.4415% | 5,053 |
| Tier 1 risk-based capital ratio | 11.3920% | 4,777 |
| Total risk-based capital ratio | 12.5172% | 4,746 |
| Memoranda: | ||
| Average total assets | $140,716,600 | 3,494 |
| Average earning assets | $129,393,600 | 3,501 |
| Average equity | $10,807,600 | 4,189 |
| Average total loans | $109,272,200 | 3,142 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3097% | 106 |
| Cost of funding earning assets | 0.8832% | 989 |
| Net interest margin | 5.4265% | 123 |
| Noninterest income to average assets | 0.6479% | 2,084 |
| Noninterest expense to average assets | 3.7546% | 705 |
| Loan and lease loss provision to assets | 0.1730% | 1,069 |
| Net operating income to assets | 1.2736% | 1,954 |
| Return on assets (ROA) | 1.2736% | 1,958 |
| Pretax return on assets | 1.7110% | 1,255 |
| Return on Equity (ROE) | 16.6997% | 584 |
| Retained earnings to average equity (ytd only) | 14.1790% | 232 |
| Net charge-offs to loans | 0.0530% | 2,065 |
| Credit loss provision to net charge-offs | 418.6047% | 795 |
| Earnings coverage of net charge-offs (x) | 45.5829% | 1,240 |
| Efficiency ratio | 66.5871% | 2,774 |
| Assets per employee ($millions) | 4.1204% | 3,695 |
| Cash dividends to net income (ytd only)* | 15.0944% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 3,673 |
| Loan loss allowance to noncurrent loans | 870.8661% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 3,396 |
| Noncurrent loans to loans | 0.1164% | 4,367 |
| Net loans and leases to total assets | 77.0733% | 1,489 |
| Net loans and leases to deposits | 84.3212% | 2,561 |
| Net loans and leases to core deposits | 89.5991% | 2,691 |
| Total domestic deposits to total assets | 91.4043% | 149 |
| Equity capital to assets | 7.8819% | 5,213 |
| Core capital (leverage) ratio | 8.4006% | 5,144 |
| Tier 1 risk-based capital ratio | 11.4801% | 4,795 |
| Total risk-based capital ratio | 12.5726% | 4,782 |
| Memoranda: | ||
| Average total assets | $138,707,250 | 3,561 |
| Average earning assets | $127,568,000 | 3,568 |
| Average equity | $10,578,750 | 4,263 |
| Average total loans | $108,119,500 | 3,190 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2555% | 103 |
| Cost of funding earning assets | 0.8204% | 1,043 |
| Net interest margin | 5.4350% | 118 |
| Noninterest income to average assets | 0.6655% | 2,025 |
| Noninterest expense to average assets | 3.7557% | 706 |
| Loan and lease loss provision to assets | 0.1736% | 1,055 |
| Net operating income to assets | 1.2905% | 1,809 |
| Return on assets (ROA) | 1.2905% | 1,805 |
| Pretax return on assets | 1.7389% | 1,120 |
| Return on Equity (ROE) | 17.1138% | 512 |
| Retained earnings to average equity (ytd only) | 13.2766% | 342 |
| Net charge-offs to loans | 0.0223% | 2,432 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 110.1667% | 654 |
| Efficiency ratio | 66.2583% | 2,925 |
| Assets per employee ($millions) | 4.1625% | 3,640 |
| Cash dividends to net income (ytd only)* | 22.4215% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,007 |
| Loan loss allowance to noncurrent loans | 897.5000% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,401 |
| Noncurrent loans to loans | 0.1081% | 4,429 |
| Net loans and leases to total assets | 77.6730% | 1,367 |
| Net loans and leases to deposits | 84.5871% | 2,466 |
| Net loans and leases to core deposits | 89.7216% | 2,597 |
| Total domestic deposits to total assets | 91.8261% | 104 |
| Equity capital to assets | 7.5712% | 5,361 |
| Core capital (leverage) ratio | 8.0697% | 5,323 |
| Tier 1 risk-based capital ratio | 11.2155% | 4,942 |
| Total risk-based capital ratio | 12.2950% | 4,926 |
| Memoranda: | ||
| Average total assets | $138,245,000 | 3,592 |
| Average earning assets | $127,248,330 | 3,599 |
| Average equity | $10,424,330 | 4,318 |
| Average total loans | $107,799,000 | 3,205 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2687% | 96 |
| Cost of funding earning assets | 0.7800% | 1,047 |
| Net interest margin | 5.4887% | 110 |
| Noninterest income to average assets | 0.7320% | 1,696 |
| Noninterest expense to average assets | 3.7597% | 705 |
| Loan and lease loss provision to assets | 0.1757% | 991 |
| Net operating income to assets | 1.4201% | 1,288 |
| Return on assets (ROA) | 1.4201% | 1,293 |
| Pretax return on assets | 1.8447% | 837 |
| Return on Equity (ROE) | 18.8734% | 327 |
| Retained earnings to average equity (ytd only) | 11.0906% | 878 |
| Net charge-offs to loans | 0.0640% | 1,463 |
| Credit loss provision to net charge-offs | 352.9412% | 736 |
| Earnings coverage of net charge-offs (x) | 40.5882% | 1,057 |
| Efficiency ratio | 65.0456% | 3,310 |
| Assets per employee ($millions) | 4.1045% | 3,796 |
| Cash dividends to net income (ytd only)* | 41.2371% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 4,253 |
| Loan loss allowance to noncurrent loans | 562.2222% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 2,536 |
| Noncurrent loans to loans | 0.1677% | 4,225 |
| Net loans and leases to total assets | 76.1969% | 1,506 |
| Net loans and leases to deposits | 82.8070% | 2,518 |
| Net loans and leases to core deposits | 89.0406% | 2,534 |
| Total domestic deposits to total assets | 92.0174% | 107 |
| Equity capital to assets | 7.3986% | 5,447 |
| Core capital (leverage) ratio | 7.9779% | 5,399 |
| Tier 1 risk-based capital ratio | 11.1408% | 5,061 |
| Total risk-based capital ratio | 12.1865% | 5,073 |
| Memoranda: | ||
| Average total assets | $136,605,500 | 3,650 |
| Average earning assets | $125,640,500 | 3,652 |
| Average equity | $10,279,000 | 4,385 |
| Average total loans | $106,197,000 | 3,259 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3203% | 93 |
| Cost of funding earning assets | 0.6900% | 1,077 |
| Net interest margin | 5.6303% | 89 |
| Noninterest income to average assets | 0.6540% | 2,172 |
| Noninterest expense to average assets | 3.9287% | 593 |
| Loan and lease loss provision to assets | 0.2180% | 906 |
| Net operating income to assets | 0.9810% | 2,325 |
| Return on assets (ROA) | 0.9810% | 2,363 |
| Pretax return on assets | 1.6527% | 1,145 |
| Return on Equity (ROE) | 12.0797% | 1,190 |
| Retained earnings to average equity (ytd only) | 4.6231% | 2,378 |
| Net charge-offs to loans | 0.1037% | 2,027 |
| Credit loss provision to net charge-offs | 270.0000% | 1,037 |
| Earnings coverage of net charge-offs (x) | 23.1700% | 1,820 |
| Efficiency ratio | 67.7433% | 2,946 |
| Assets per employee ($millions) | 3.7127% | 4,413 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 4,362 |
| Loan loss allowance to noncurrent loans | 257.0292% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 2,121 |
| Noncurrent loans to loans | 0.3589% | 3,485 |
| Net loans and leases to total assets | 77.8689% | 1,300 |
| Net loans and leases to deposits | 84.8349% | 2,394 |
| Net loans and leases to core deposits | 91.4377% | 2,420 |
| Total domestic deposits to total assets | 91.7887% | 99 |
| Equity capital to assets | 7.6561% | 5,505 |
| Core capital (leverage) ratio | 8.0484% | 5,423 |
| Tier 1 risk-based capital ratio | 11.1055% | 5,083 |
| Total risk-based capital ratio | 12.1306% | 5,106 |
| Memoranda: | ||
| Average total assets | $123,858,000 | 3,839 |
| Average earning assets | $113,191,000 | 3,861 |
| Average equity | $10,058,200 | 4,437 |
| Average total loans | $96,453,800 | 3,405 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3215% | 88 |
| Cost of funding earning assets | 0.6679% | 1,133 |
| Net interest margin | 5.6536% | 87 |
| Noninterest income to average assets | 0.6831% | 2,070 |
| Noninterest expense to average assets | 3.9985% | 521 |
| Loan and lease loss provision to assets | 0.2251% | 821 |
| Net operating income to assets | 1.1202% | 1,993 |
| Return on assets (ROA) | 1.1202% | 2,057 |
| Pretax return on assets | 1.6187% | 1,352 |
| Return on Equity (ROE) | 13.5800% | 916 |
| Retained earnings to average equity (ytd only) | 6.2574% | 2,084 |
| Net charge-offs to loans | 0.1103% | 1,689 |
| Credit loss provision to net charge-offs | 262.8205% | 1,090 |
| Earnings coverage of net charge-offs (x) | 21.5251% | 1,909 |
| Efficiency ratio | 68.4398% | 2,794 |
| Assets per employee ($millions) | 3.5689% | 4,622 |
| Cash dividends to net income (ytd only)* | 53.9218% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 4,489 |
| Loan loss allowance to noncurrent loans | 320.4152% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 2,309 |
| Noncurrent loans to loans | 0.2858% | 3,923 |
| Net loans and leases to total assets | 77.9974% | 1,270 |
| Net loans and leases to deposits | 85.5663% | 2,356 |
| Net loans and leases to core deposits | 92.7605% | 2,376 |
| Total domestic deposits to total assets | 91.1543% | 153 |
| Equity capital to assets | 8.0791% | 5,495 |
| Core capital (leverage) ratio | 8.3247% | 5,354 |
| Tier 1 risk-based capital ratio | 11.4791% | 4,971 |
| Total risk-based capital ratio | 12.4914% | 5,010 |
| Memoranda: | ||
| Average total assets | $121,408,000 | 3,912 |
| Average earning assets | $110,793,750 | 3,937 |
| Average equity | $10,014,500 | 4,484 |
| Average total loans | $94,305,500 | 3,476 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2608% | 96 |
| Cost of funding earning assets | 0.6309% | 1,260 |
| Net interest margin | 5.6300% | 93 |
| Noninterest income to average assets | 0.6972% | 2,003 |
| Noninterest expense to average assets | 4.0890% | 477 |
| Loan and lease loss provision to assets | 0.2352% | 733 |
| Net operating income to assets | 0.9845% | 2,508 |
| Return on assets (ROA) | 0.9845% | 2,555 |
| Pretax return on assets | 1.5153% | 1,583 |
| Return on Equity (ROE) | 11.8472% | 1,346 |
| Retained earnings to average equity (ytd only) | 4.7712% | 2,870 |
| Net charge-offs to loans | 0.1804% | 1,098 |
| Credit loss provision to net charge-offs | 168.6747% | 1,413 |
| Earnings coverage of net charge-offs (x) | 12.5542% | 2,182 |
| Efficiency ratio | 70.0230% | 2,670 |
| Assets per employee ($millions) | 3.5553% | 4,639 |
| Cash dividends to net income (ytd only)* | 59.7270% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,739 |
| Loan loss allowance to noncurrent loans | 483.6158% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 2,318 |
| Noncurrent loans to loans | 0.1805% | 4,397 |
| Net loans and leases to total assets | 75.9290% | 1,551 |
| Net loans and leases to deposits | 83.0610% | 2,593 |
| Net loans and leases to core deposits | 90.0718% | 2,519 |
| Total domestic deposits to total assets | 91.4135% | 142 |
| Equity capital to assets | 7.9286% | 5,564 |
| Core capital (leverage) ratio | 8.2980% | 5,356 |
| Tier 1 risk-based capital ratio | 11.5240% | 4,940 |
| Total risk-based capital ratio | 12.4848% | 5,012 |
| Memoranda: | ||
| Average total assets | $119,050,670 | 3,973 |
| Average earning assets | $108,739,330 | 3,998 |
| Average equity | $9,892,670 | 4,523 |
| Average total loans | $92,028,330 | 3,535 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2835% | 91 |
| Cost of funding earning assets | 0.6096% | 1,305 |
| Net interest margin | 5.6739% | 94 |
| Noninterest income to average assets | 0.7296% | 1,833 |
| Noninterest expense to average assets | 4.0600% | 504 |
| Loan and lease loss provision to assets | 0.2269% | 688 |
| Net operating income to assets | 1.0578% | 2,038 |
| Return on assets (ROA) | 1.0578% | 2,081 |
| Pretax return on assets | 1.6094% | 1,208 |
| Return on Equity (ROE) | 12.4117% | 1,130 |
| Retained earnings to average equity (ytd only) | 6.2673% | 2,201 |
| Net charge-offs to loans | 0.4089% | 448 |
| Credit loss provision to net charge-offs | 71.4286% | 1,823 |
| Earnings coverage of net charge-offs (x) | 5.7802% | 2,257 |
| Efficiency ratio | 68.8573% | 3,070 |
| Assets per employee ($millions) | 3.3111% | 5,032 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 4,925 |
| Loan loss allowance to noncurrent loans | 266.5517% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 2,289 |
| Noncurrent loans to loans | 0.3190% | 3,978 |
| Net loans and leases to total assets | 75.6089% | 1,478 |
| Net loans and leases to deposits | 82.9926% | 2,396 |
| Net loans and leases to core deposits | 90.0026% | 2,347 |
| Total domestic deposits to total assets | 91.1031% | 272 |
| Equity capital to assets | 8.2920% | 5,356 |
| Core capital (leverage) ratio | 9.0185% | 4,712 |
| Tier 1 risk-based capital ratio | 12.2194% | 4,569 |
| Total risk-based capital ratio | 13.1469% | 4,686 |
| Memoranda: | ||
| Average total assets | $114,580,000 | 4,088 |
| Average earning assets | $104,337,500 | 4,120 |
| Average equity | $9,765,000 | 4,577 |
| Average total loans | $89,023,000 | 3,615 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4019% | 73 |
| Cost of funding earning assets | 0.5332% | 1,844 |
| Net interest margin | 5.8686% | 73 |
| Noninterest income to average assets | 0.5443% | 2,949 |
| Noninterest expense to average assets | 3.9663% | 632 |
| Loan and lease loss provision to assets | 0.0467% | 3,458 |
| Net operating income to assets | 1.3110% | 1,187 |
| Return on assets (ROA) | 1.3156% | 1,236 |
| Pretax return on assets | 1.9122% | 605 |
| Return on Equity (ROE) | 14.8510% | 646 |
| Retained earnings to average equity (ytd only) | 8.1580% | 797 |
| Net charge-offs to loans | 0.0598% | 2,853 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 41.8200% | 1,143 |
| Efficiency ratio | 67.0137% | 3,439 |
| Assets per employee ($millions) | 3.4363% | 4,848 |
| Cash dividends to net income (ytd only)* | 45.0674% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 4,715 |
| Loan loss allowance to noncurrent loans | 191.1483% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8221% | 2,291 |
| Noncurrent loans to loans | 0.4796% | 3,432 |
| Net loans and leases to total assets | 78.5269% | 1,122 |
| Net loans and leases to deposits | 86.7733% | 2,077 |
| Net loans and leases to core deposits | 95.2060% | 1,988 |
| Total domestic deposits to total assets | 90.4966% | 452 |
| Equity capital to assets | 8.7722% | 5,045 |
| Core capital (leverage) ratio | 9.2840% | 4,370 |
| Tier 1 risk-based capital ratio | 12.4950% | 4,377 |
| Total risk-based capital ratio | 13.4903% | 4,423 |
| Memoranda: | ||
| Average total assets | $107,103,000 | 4,222 |
| Average earning assets | $98,081,000 | 4,237 |
| Average equity | $9,487,600 | 4,657 |
| Average total loans | $83,620,800 | 3,720 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4191% | 75 |
| Cost of funding earning assets | 0.5217% | 1,929 |
| Net interest margin | 5.8974% | 70 |
| Noninterest income to average assets | 0.5138% | 3,157 |
| Noninterest expense to average assets | 3.9490% | 628 |
| Loan and lease loss provision to assets | 0.0251% | 3,744 |
| Net operating income to assets | 1.2288% | 1,523 |
| Return on assets (ROA) | 1.2344% | 1,606 |
| Pretax return on assets | 1.9463% | 642 |
| Return on Equity (ROE) | 13.9003% | 843 |
| Retained earnings to average equity (ytd only) | 7.3383% | 1,464 |
| Net charge-offs to loans | 0.0806% | 2,172 |
| Credit loss provision to net charge-offs | 40.0000% | 3,147 |
| Earnings coverage of net charge-offs (x) | 31.3177% | 1,443 |
| Efficiency ratio | 66.8009% | 3,457 |
| Assets per employee ($millions) | 3.4798% | 4,801 |
| Cash dividends to net income (ytd only)* | 47.2078% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9010% | 4,867 |
| Loan loss allowance to noncurrent loans | 335.8079% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 3,010 |
| Noncurrent loans to loans | 0.2683% | 4,301 |
| Net loans and leases to total assets | 78.4026% | 1,131 |
| Net loans and leases to deposits | 86.9900% | 2,138 |
| Net loans and leases to core deposits | 94.3771% | 2,158 |
| Total domestic deposits to total assets | 90.1283% | 439 |
| Equity capital to assets | 9.0717% | 5,103 |
| Core capital (leverage) ratio | 9.1348% | 4,679 |
| Tier 1 risk-based capital ratio | 12.6196% | 4,394 |
| Total risk-based capital ratio | 13.6121% | 4,467 |
| Memoranda: | ||
| Average total assets | $106,388,500 | 4,270 |
| Average earning assets | $97,374,000 | 4,284 |
| Average equity | $9,448,000 | 4,711 |
| Average total loans | $82,739,000 | 3,765 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3890% | 80 |
| Cost of funding earning assets | 0.5080% | 2,041 |
| Net interest margin | 5.8810% | 78 |
| Noninterest income to average assets | 0.4911% | 3,257 |
| Noninterest expense to average assets | 3.9833% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3183% | 1,228 |
| Return on assets (ROA) | 1.3183% | 1,320 |
| Pretax return on assets | 1.8868% | 719 |
| Return on Equity (ROE) | 14.9539% | 674 |
| Retained earnings to average equity (ytd only) | 8.6339% | 957 |
| Net charge-offs to loans | 0.0977% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 24.9750% | 1,522 |
| Efficiency ratio | 67.8571% | 3,375 |
| Assets per employee ($millions) | 3.3778% | 4,958 |
| Cash dividends to net income (ytd only)* | 42.2636% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 5,032 |
| Loan loss allowance to noncurrent loans | 293.0502% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 2,953 |
| Noncurrent loans to loans | 0.2985% | 4,301 |
| Net loans and leases to total assets | 79.5779% | 973 |
| Net loans and leases to deposits | 88.6058% | 1,906 |
| Net loans and leases to core deposits | 95.7211% | 2,003 |
| Total domestic deposits to total assets | 89.8112% | 560 |
| Equity capital to assets | 8.9158% | 5,304 |
| Core capital (leverage) ratio | 8.8097% | 5,044 |
| Tier 1 risk-based capital ratio | 11.9258% | 4,875 |
| Total risk-based capital ratio | 12.8874% | 4,967 |
| Memoranda: | ||
| Average total assets | $105,893,330 | 4,313 |
| Average earning assets | $96,853,670 | 4,330 |
| Average equity | $9,335,330 | 4,769 |
| Average total loans | $81,870,330 | 3,802 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3923% | 81 |
| Cost of funding earning assets | 0.5047% | 2,066 |
| Net interest margin | 5.8877% | 76 |
| Noninterest income to average assets | 0.6031% | 2,511 |
| Noninterest expense to average assets | 4.0078% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5573% | 772 |
| Return on assets (ROA) | 1.5573% | 810 |
| Pretax return on assets | 1.9390% | 642 |
| Return on Equity (ROE) | 17.7691% | 377 |
| Retained earnings to average equity (ytd only) | 12.3251% | 458 |
| Net charge-offs to loans | 0.0353% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 72.5714% | 676 |
| Efficiency ratio | 67.3941% | 3,561 |
| Assets per employee ($millions) | 3.2246% | 5,237 |
| Cash dividends to net income (ytd only)* | 30.6373% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,703 |
| Loan loss allowance to noncurrent loans | 360.0000% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 2,362 |
| Noncurrent loans to loans | 0.2731% | 4,458 |
| Net loans and leases to total assets | 74.9690% | 1,557 |
| Net loans and leases to deposits | 82.7252% | 2,464 |
| Net loans and leases to core deposits | 89.1511% | 2,450 |
| Total domestic deposits to total assets | 90.6242% | 387 |
| Equity capital to assets | 8.8355% | 5,313 |
| Core capital (leverage) ratio | 8.6198% | 5,268 |
| Tier 1 risk-based capital ratio | 12.1488% | 4,817 |
| Total risk-based capital ratio | 13.2218% | 4,847 |
| Memoranda: | ||
| Average total assets | $104,795,500 | 4,375 |
| Average earning assets | $95,114,000 | 4,398 |
| Average equity | $9,184,500 | 4,819 |
| Average total loans | $79,418,500 | 3,874 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2684% | 98 |
| Cost of funding earning assets | 0.5067% | 2,103 |
| Net interest margin | 5.7617% | 87 |
| Noninterest income to average assets | 0.4970% | 3,352 |
| Noninterest expense to average assets | 4.0873% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1811% | 1,616 |
| Return on assets (ROA) | 1.1930% | 1,651 |
| Pretax return on assets | 1.6560% | 1,092 |
| Return on Equity (ROE) | 13.8314% | 878 |
| Retained earnings to average equity (ytd only) | 13.8314% | 170 |
| Net charge-offs to loans | -0.0125% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3720% | 3,006 |
| Assets per employee ($millions) | 3.1266% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 4,486 |
| Loan loss allowance to noncurrent loans | 499.3750% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 2,615 |
| Noncurrent loans to loans | 0.2044% | 4,682 |
| Net loans and leases to total assets | 75.0831% | 1,558 |
| Net loans and leases to deposits | 82.7547% | 2,505 |
| Net loans and leases to core deposits | 86.9180% | 2,704 |
| Total domestic deposits to total assets | 90.7297% | 367 |
| Equity capital to assets | 8.6907% | 5,394 |
| Core capital (leverage) ratio | 8.6503% | 5,277 |
| Tier 1 risk-based capital ratio | 12.0716% | 4,903 |
| Total risk-based capital ratio | 13.1911% | 4,895 |
| Memoranda: | ||
| Average total assets | $96,983,200 | 4,518 |
| Average earning assets | $88,029,000 | 4,537 |
| Average equity | $8,365,000 | 4,986 |
| Average total loans | $71,716,200 | 4,050 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1996% | 108 |
| Cost of funding earning assets | 0.5063% | 2,156 |
| Net interest margin | 5.6934% | 92 |
| Noninterest income to average assets | 0.4680% | 3,581 |
| Noninterest expense to average assets | 4.0041% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1370% | 1,875 |
| Return on assets (ROA) | 1.1526% | 1,886 |
| Pretax return on assets | 1.6555% | 1,225 |
| Return on Equity (ROE) | 13.3906% | 1,032 |
| Retained earnings to average equity (ytd only) | 13.3906% | 248 |
| Net charge-offs to loans | -0.0628% | 5,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0285% | 3,039 |
| Assets per employee ($millions) | 3.0575% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 4,264 |
| Loan loss allowance to noncurrent loans | 232.4859% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 2,924 |
| Noncurrent loans to loans | 0.4705% | 3,946 |
| Net loans and leases to total assets | 76.0652% | 1,380 |
| Net loans and leases to deposits | 84.0938% | 2,401 |
| Net loans and leases to core deposits | 87.0363% | 2,746 |
| Total domestic deposits to total assets | 90.4529% | 399 |
| Equity capital to assets | 8.8163% | 5,475 |
| Core capital (leverage) ratio | 8.4237% | 5,610 |
| Tier 1 risk-based capital ratio | 12.0609% | 5,043 |
| Total risk-based capital ratio | 13.2700% | 4,985 |
| Memoranda: | ||
| Average total assets | $95,434,250 | 4,610 |
| Average earning assets | $86,648,000 | 4,618 |
| Average equity | $8,214,500 | 5,087 |
| Average total loans | $70,078,000 | 4,133 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2022% | 104 |
| Cost of funding earning assets | 0.4966% | 2,279 |
| Net interest margin | 5.7056% | 92 |
| Noninterest income to average assets | 0.3868% | 4,177 |
| Noninterest expense to average assets | 3.9204% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1553% | 1,758 |
| Return on assets (ROA) | 1.1793% | 1,737 |
| Pretax return on assets | 1.6717% | 1,139 |
| Return on Equity (ROE) | 13.8164% | 941 |
| Retained earnings to average equity (ytd only) | 13.8164% | 243 |
| Net charge-offs to loans | -0.1873% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5323% | 3,256 |
| Assets per employee ($millions) | 3.1795% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 3,846 |
| Loan loss allowance to noncurrent loans | 364.9573% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 3,089 |
| Noncurrent loans to loans | 0.3261% | 4,528 |
| Net loans and leases to total assets | 74.3353% | 1,607 |
| Net loans and leases to deposits | 81.8621% | 2,575 |
| Net loans and leases to core deposits | 84.5484% | 2,926 |
| Total domestic deposits to total assets | 90.8056% | 355 |
| Equity capital to assets | 8.6209% | 5,584 |
| Core capital (leverage) ratio | 8.2156% | 5,775 |
| Tier 1 risk-based capital ratio | 12.1298% | 5,058 |
| Total risk-based capital ratio | 13.3799% | 4,956 |
| Memoranda: | ||
| Average total assets | $94,632,000 | 4,666 |
| Average earning assets | $85,775,330 | 4,686 |
| Average equity | $8,077,330 | 5,146 |
| Average total loans | $68,355,330 | 4,205 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1840% | 106 |
| Cost of funding earning assets | 0.4891% | 2,388 |
| Net interest margin | 5.6949% | 93 |
| Noninterest income to average assets | 0.6323% | 2,485 |
| Noninterest expense to average assets | 4.0019% | 694 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2477% | 1,412 |
| Return on assets (ROA) | 1.2477% | 1,499 |
| Pretax return on assets | 1.7696% | 920 |
| Return on Equity (ROE) | 14.6917% | 755 |
| Retained earnings to average equity (ytd only) | 14.6917% | 311 |
| Net charge-offs to loans | -0.3661% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3382% | 3,605 |
| Assets per employee ($millions) | 3.2920% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 3,682 |
| Loan loss allowance to noncurrent loans | 281.7881% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 2,856 |
| Noncurrent loans to loans | 0.4438% | 4,260 |
| Net loans and leases to total assets | 70.3904% | 2,084 |
| Net loans and leases to deposits | 77.3465% | 2,901 |
| Net loans and leases to core deposits | 80.0069% | 3,166 |
| Total domestic deposits to total assets | 91.0065% | 361 |
| Equity capital to assets | 8.5777% | 5,682 |
| Core capital (leverage) ratio | 8.0531% | 5,908 |
| Tier 1 risk-based capital ratio | 12.0126% | 5,224 |
| Total risk-based capital ratio | 13.2597% | 5,127 |
| Memoranda: | ||
| Average total assets | $94,256,000 | 4,712 |
| Average earning assets | $85,058,500 | 4,746 |
| Average equity | $8,004,500 | 5,210 |
| Average total loans | $66,654,000 | 4,282 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8926% | 179 |
| Cost of funding earning assets | 0.5398% | 2,291 |
| Net interest margin | 5.3528% | 164 |
| Noninterest income to average assets | 0.7446% | 2,103 |
| Noninterest expense to average assets | 4.1301% | 657 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0305% | 2,263 |
| Return on assets (ROA) | 1.0436% | 2,267 |
| Pretax return on assets | 1.4120% | 1,845 |
| Return on Equity (ROE) | 13.5970% | 1,015 |
| Retained earnings to average equity (ytd only) | 13.5970% | 199 |
| Net charge-offs to loans | 0.2484% | 1,725 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.5986% | 2,853 |
| Efficiency ratio | 74.7604% | 2,706 |
| Assets per employee ($millions) | 3.2084% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 3,933 |
| Loan loss allowance to noncurrent loans | 296.9925% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 2,653 |
| Noncurrent loans to loans | 0.4076% | 4,418 |
| Net loans and leases to total assets | 69.2862% | 2,339 |
| Net loans and leases to deposits | 75.9353% | 3,205 |
| Net loans and leases to core deposits | 78.5979% | 3,454 |
| Total domestic deposits to total assets | 91.2438% | 284 |
| Equity capital to assets | 8.4047% | 5,823 |
| Core capital (leverage) ratio | 7.9683% | 6,018 |
| Tier 1 risk-based capital ratio | 12.1724% | 5,251 |
| Total risk-based capital ratio | 13.3868% | 5,180 |
| Memoranda: | ||
| Average total assets | $90,651,600 | 4,825 |
| Average earning assets | $80,948,600 | 4,873 |
| Average equity | $6,957,400 | 5,424 |
| Average total loans | $59,167,400 | 4,513 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 226 |
| Cost of funding earning assets | 0.5418% | 2,359 |
| Net interest margin | 5.1607% | 215 |
| Noninterest income to average assets | 0.7314% | 2,177 |
| Noninterest expense to average assets | 4.1693% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7148% | 3,864 |
| Return on assets (ROA) | 0.7299% | 3,890 |
| Pretax return on assets | 1.1978% | 2,785 |
| Return on Equity (ROE) | 9.7500% | 2,331 |
| Retained earnings to average equity (ytd only) | 9.7500% | 767 |
| Net charge-offs to loans | 0.3169% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.7884% | 3,196 |
| Efficiency ratio | 78.0272% | 2,179 |
| Assets per employee ($millions) | 2.9103% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 3,729 |
| Loan loss allowance to noncurrent loans | 118.6944% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.5473% | 1,983 |
| Noncurrent loans to loans | 1.0820% | 2,908 |
| Net loans and leases to total assets | 68.1608% | 2,506 |
| Net loans and leases to deposits | 74.4651% | 3,380 |
| Net loans and leases to core deposits | 77.1481% | 3,621 |
| Total domestic deposits to total assets | 91.5339% | 227 |
| Equity capital to assets | 7.9108% | 6,177 |
| Core capital (leverage) ratio | 7.5681% | 6,250 |
| Tier 1 risk-based capital ratio | 11.9750% | 5,506 |
| Total risk-based capital ratio | 13.2051% | 5,432 |
| Memoranda: | ||
| Average total assets | $90,053,750 | 4,888 |
| Average earning assets | $80,477,750 | 4,934 |
| Average equity | $6,741,750 | 5,522 |
| Average total loans | $57,645,250 | 4,608 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6294% | 249 |
| Cost of funding earning assets | 0.5412% | 2,424 |
| Net interest margin | 5.0882% | 240 |
| Noninterest income to average assets | 0.7978% | 1,848 |
| Noninterest expense to average assets | 4.1334% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7283% | 3,685 |
| Return on assets (ROA) | 0.7311% | 3,767 |
| Pretax return on assets | 1.2022% | 2,659 |
| Return on Equity (ROE) | 9.9546% | 2,169 |
| Retained earnings to average equity (ytd only) | 9.9546% | 724 |
| Net charge-offs to loans | 0.4385% | 928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.3821% | 3,119 |
| Efficiency ratio | 77.5323% | 2,368 |
| Assets per employee ($millions) | 2.9940% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 3,307 |
| Loan loss allowance to noncurrent loans | 152.7205% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.5386% | 2,120 |
| Noncurrent loans to loans | 0.9220% | 3,414 |
| Net loans and leases to total assets | 63.4569% | 3,169 |
| Net loans and leases to deposits | 69.1057% | 3,926 |
| Net loans and leases to core deposits | 71.5827% | 4,086 |
| Total domestic deposits to total assets | 91.8259% | 196 |
| Equity capital to assets | 7.7366% | 6,284 |
| Core capital (leverage) ratio | 7.2765% | 6,378 |
| Tier 1 risk-based capital ratio | 12.4008% | 5,298 |
| Total risk-based capital ratio | 13.6490% | 5,224 |
| Memoranda: | ||
| Average total assets | $89,998,670 | 4,932 |
| Average earning assets | $80,185,670 | 4,977 |
| Average equity | $6,610,000 | 5,583 |
| Average total loans | $56,095,670 | 4,687 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5686% | 263 |
| Cost of funding earning assets | 0.5363% | 2,544 |
| Net interest margin | 5.0323% | 256 |
| Noninterest income to average assets | 0.5062% | 3,362 |
| Noninterest expense to average assets | 4.1959% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4618% | 4,890 |
| Return on assets (ROA) | 0.4618% | 4,961 |
| Pretax return on assets | 0.7681% | 4,236 |
| Return on Equity (ROE) | 6.4591% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.4591% | 2,314 |
| Net charge-offs to loans | 0.3403% | 1,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.6809% | 2,645 |
| Efficiency ratio | 84.5259% | 1,609 |
| Assets per employee ($millions) | 2.8291% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 2,464 |
| Loan loss allowance to noncurrent loans | 114.1026% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 2.6786% | 1,143 |
| Noncurrent loans to loans | 1.4563% | 2,605 |
| Net loans and leases to total assets | 58.1794% | 3,816 |
| Net loans and leases to deposits | 62.9148% | 4,438 |
| Net loans and leases to core deposits | 65.1699% | 4,583 |
| Total domestic deposits to total assets | 92.4734% | 169 |
| Equity capital to assets | 7.2207% | 6,398 |
| Core capital (leverage) ratio | 6.7121% | 6,519 |
| Tier 1 risk-based capital ratio | 11.7269% | 5,796 |
| Total risk-based capital ratio | 12.9796% | 5,737 |
| Memoranda: | ||
| Average total assets | $90,088,000 | 4,968 |
| Average earning assets | $79,804,500 | 5,031 |
| Average equity | $6,440,500 | 5,652 |
| Average total loans | $55,238,000 | 4,753 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3590% | 475 |
| Cost of funding earning assets | 0.5882% | 2,768 |
| Net interest margin | 4.7708% | 454 |
| Noninterest income to average assets | 0.3067% | 5,147 |
| Noninterest expense to average assets | 3.9873% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.3357% | 205 |
| Return on assets (ROA) | 2.3357% | 208 |
| Pretax return on assets | 0.5881% | 4,904 |
| Return on Equity (ROE) | 41.3865% | 24 |
| Retained earnings to average equity (ytd only) | 41.3865% | 12 |
| Net charge-offs to loans | 0.2642% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.6259% | 3,804 |
| Efficiency ratio | 87.1473% | 1,298 |
| Assets per employee ($millions) | 2.8014% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 2,585 |
| Loan loss allowance to noncurrent loans | 66.6430% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.9829% | 1,063 |
| Noncurrent loans to loans | 2.4704% | 1,540 |
| Net loans and leases to total assets | 62.4448% | 3,306 |
| Net loans and leases to deposits | 67.4255% | 4,130 |
| Net loans and leases to core deposits | 69.8677% | 4,296 |
| Total domestic deposits to total assets | 92.6130% | 178 |
| Equity capital to assets | 7.0769% | 6,438 |
| Core capital (leverage) ratio | 6.6495% | 6,575 |
| Tier 1 risk-based capital ratio | 10.8206% | 6,253 |
| Total risk-based capital ratio | 12.0766% | 6,201 |
| Memoranda: | ||
| Average total assets | $90,637,000 | 4,964 |
| Average earning assets | $81,097,200 | 5,009 |
| Average equity | $5,115,200 | 6,039 |
| Average total loans | $55,649,400 | 4,762 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 600 |
| Cost of funding earning assets | 0.5957% | 2,848 |
| Net interest margin | 4.6413% | 571 |
| Noninterest income to average assets | 0.4680% | 4,012 |
| Noninterest expense to average assets | 4.0064% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6660% | 4,034 |
| Return on assets (ROA) | 0.6660% | 4,172 |
| Pretax return on assets | 0.6220% | 4,942 |
| Return on Equity (ROE) | 12.5899% | 1,336 |
| Retained earnings to average equity (ytd only) | 12.5899% | 369 |
| Net charge-offs to loans | 0.3277% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.1176% | 3,794 |
| Efficiency ratio | 86.5610% | 1,311 |
| Assets per employee ($millions) | 2.8097% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 2,605 |
| Loan loss allowance to noncurrent loans | 55.6992% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 3.5901% | 927 |
| Noncurrent loans to loans | 3.0640% | 1,300 |
| Net loans and leases to total assets | 62.6870% | 3,223 |
| Net loans and leases to deposits | 66.6061% | 4,227 |
| Net loans and leases to core deposits | 68.8833% | 4,442 |
| Total domestic deposits to total assets | 94.1160% | 66 |
| Equity capital to assets | 5.3593% | 6,747 |
| Core capital (leverage) ratio | 6.1781% | 6,696 |
| Tier 1 risk-based capital ratio | 10.7972% | 6,363 |
| Total risk-based capital ratio | 12.0635% | 6,324 |
| Memoranda: | ||
| Average total assets | $90,885,250 | 5,011 |
| Average earning assets | $81,468,750 | 5,038 |
| Average equity | $4,808,000 | 6,190 |
| Average total loans | $55,333,000 | 4,813 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 758 |
| Cost of funding earning assets | 0.5930% | 3,005 |
| Net interest margin | 4.5190% | 687 |
| Noninterest income to average assets | 0.5752% | 3,349 |
| Noninterest expense to average assets | 4.0414% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5860% | 4,367 |
| Return on assets (ROA) | 0.5860% | 4,545 |
| Pretax return on assets | 0.5860% | 5,073 |
| Return on Equity (ROE) | 11.1233% | 1,780 |
| Retained earnings to average equity (ytd only) | 11.1233% | 624 |
| Net charge-offs to loans | 0.5682% | 1,160 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.7197% | 3,959 |
| Efficiency ratio | 87.3358% | 1,293 |
| Assets per employee ($millions) | 2.7469% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 2,851 |
| Loan loss allowance to noncurrent loans | 60.1167% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 3.6493% | 1,022 |
| Noncurrent loans to loans | 2.7963% | 1,623 |
| Net loans and leases to total assets | 59.8116% | 3,688 |
| Net loans and leases to deposits | 63.3699% | 4,574 |
| Net loans and leases to core deposits | 65.2051% | 4,775 |
| Total domestic deposits to total assets | 94.3849% | 49 |
| Equity capital to assets | 5.2003% | 6,812 |
| Core capital (leverage) ratio | 5.9351% | 6,760 |
| Tier 1 risk-based capital ratio | 10.4464% | 6,524 |
| Total risk-based capital ratio | 11.7043% | 6,492 |
| Memoranda: | ||
| Average total assets | $92,146,670 | 5,006 |
| Average earning assets | $82,629,330 | 5,033 |
| Average equity | $4,854,670 | 6,226 |
| Average total loans | $55,261,000 | 4,840 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 1,051 |
| Cost of funding earning assets | 0.5904% | 3,201 |
| Net interest margin | 4.3199% | 931 |
| Noninterest income to average assets | 0.4607% | 4,044 |
| Noninterest expense to average assets | 4.0949% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2411% | 5,755 |
| Return on assets (ROA) | 0.2411% | 5,881 |
| Pretax return on assets | 0.2411% | 5,985 |
| Return on Equity (ROE) | 4.5482% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.5482% | 3,505 |
| Net charge-offs to loans | 1.3666% | 403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2963% | 3,711 |
| Efficiency ratio | 94.4389% | 805 |
| Assets per employee ($millions) | 2.8469% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 3,188 |
| Loan loss allowance to noncurrent loans | 37.8116% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 4.3271% | 869 |
| Noncurrent loans to loans | 4.3697% | 979 |
| Net loans and leases to total assets | 58.4780% | 3,710 |
| Net loans and leases to deposits | 62.0064% | 4,544 |
| Net loans and leases to core deposits | 63.8379% | 4,759 |
| Total domestic deposits to total assets | 94.3096% | 59 |
| Equity capital to assets | 5.3743% | 6,869 |
| Core capital (leverage) ratio | 5.7059% | 6,833 |
| Tier 1 risk-based capital ratio | 10.1168% | 6,670 |
| Total risk-based capital ratio | 11.3742% | 6,657 |
| Memoranda: | ||
| Average total assets | $92,896,000 | 5,030 |
| Average earning assets | $83,334,500 | 5,057 |
| Average equity | $4,925,000 | 6,272 |
| Average total loans | $55,319,000 | 4,876 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5244% | 594 |
| Cost of funding earning assets | 0.6949% | 3,531 |
| Net interest margin | 4.8296% | 514 |
| Noninterest income to average assets | 0.0468% | 6,703 |
| Noninterest expense to average assets | 4.3606% | 643 |
| Loan and lease loss provision to assets | 0.8157% | 588 |
| Net operating income to assets | -0.8340% | 6,685 |
| Return on assets (ROA) | -0.5895% | 6,642 |
| Pretax return on assets | -0.5895% | 6,611 |
| Return on Equity (ROE) | -9.9033% | 6,719 |
| Retained earnings to average equity (ytd only) | -9.9033% | 6,632 |
| Net charge-offs to loans | 1.5022% | 593 |
| Credit loss provision to net charge-offs | 84.7981% | 3,671 |
| Earnings coverage of net charge-offs (x) | -0.0190% | 5,492 |
| Efficiency ratio | 100.4209% | 550 |
| Assets per employee ($millions) | 2.7850% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9196% | 2,234 |
| Loan loss allowance to noncurrent loans | 45.0166% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 4.0711% | 1,042 |
| Noncurrent loans to loans | 4.2643% | 1,040 |
| Net loans and leases to total assets | 58.4902% | 3,884 |
| Net loans and leases to deposits | 61.8972% | 4,799 |
| Net loans and leases to core deposits | 63.6778% | 4,996 |
| Total domestic deposits to total assets | 94.4958% | 51 |
| Equity capital to assets | 5.2318% | 6,935 |
| Core capital (leverage) ratio | 5.6540% | 6,886 |
| Tier 1 risk-based capital ratio | 9.7505% | 6,758 |
| Total risk-based capital ratio | 11.0107% | 6,733 |
| Memoranda: | ||
| Average total assets | $87,534,600 | 5,152 |
| Average earning assets | $77,854,000 | 5,187 |
| Average equity | $5,210,400 | 6,238 |
| Average total loans | $56,050,800 | 4,862 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 477 |
| Cost of funding earning assets | 0.7196% | 3,597 |
| Net interest margin | 4.9613% | 427 |
| Noninterest income to average assets | 0.0466% | 6,816 |
| Noninterest expense to average assets | 4.4223% | 588 |
| Loan and lease loss provision to assets | 1.1102% | 346 |
| Net operating income to assets | -1.1118% | 6,889 |
| Return on assets (ROA) | -0.8785% | 6,852 |
| Pretax return on assets | -0.8785% | 6,826 |
| Return on Equity (ROE) | -14.2821% | 6,924 |
| Retained earnings to average equity (ytd only) | -14.2821% | 6,896 |
| Net charge-offs to loans | 1.7135% | 473 |
| Credit loss provision to net charge-offs | 99.3046% | 3,026 |
| Earnings coverage of net charge-offs (x) | -0.0014% | 5,333 |
| Efficiency ratio | 100.0352% | 532 |
| Assets per employee ($millions) | 2.5468% | 6,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1295% | 1,849 |
| Loan loss allowance to noncurrent loans | 28.5343% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 6.5504% | 571 |
| Noncurrent loans to loans | 7.4629% | 453 |
| Net loans and leases to total assets | 64.0640% | 3,014 |
| Net loans and leases to deposits | 68.3064% | 4,135 |
| Net loans and leases to core deposits | 71.7540% | 4,285 |
| Total domestic deposits to total assets | 93.7891% | 76 |
| Equity capital to assets | 5.7882% | 6,999 |
| Core capital (leverage) ratio | 5.7813% | 6,963 |
| Tier 1 risk-based capital ratio | 9.8075% | 6,841 |
| Total risk-based capital ratio | 11.0893% | 6,818 |
| Memoranda: | ||
| Average total assets | $85,745,500 | 5,251 |
| Average earning assets | $75,596,000 | 5,306 |
| Average equity | $5,274,500 | 6,284 |
| Average total loans | $55,946,250 | 4,918 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6742% | 510 |
| Cost of funding earning assets | 0.7099% | 3,938 |
| Net interest margin | 4.9642% | 425 |
| Noninterest income to average assets | -0.0679% | 7,069 |
| Noninterest expense to average assets | 4.3410% | 627 |
| Loan and lease loss provision to assets | 1.6428% | 209 |
| Net operating income to assets | -1.6990% | 7,039 |
| Return on assets (ROA) | -1.5632% | 7,039 |
| Pretax return on assets | -1.5632% | 7,014 |
| Return on Equity (ROE) | -24.9161% | 7,070 |
| Retained earnings to average equity (ytd only) | -24.9161% | 7,056 |
| Net charge-offs to loans | 1.3680% | 756 |
| Credit loss provision to net charge-offs | 184.2520% | 1,541 |
| Earnings coverage of net charge-offs (x) | -0.0630% | 5,113 |
| Efficiency ratio | 101.3108% | 514 |
| Assets per employee ($millions) | 2.6176% | 6,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7274% | 1,008 |
| Loan loss allowance to noncurrent loans | 30.2248% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 7.8396% | 443 |
| Noncurrent loans to loans | 9.0238% | 338 |
| Net loans and leases to total assets | 63.2933% | 3,182 |
| Net loans and leases to deposits | 67.4122% | 4,298 |
| Net loans and leases to core deposits | 70.5981% | 4,457 |
| Total domestic deposits to total assets | 93.8899% | 84 |
| Equity capital to assets | 5.7327% | 7,045 |
| Core capital (leverage) ratio | 5.7685% | 7,008 |
| Tier 1 risk-based capital ratio | 9.4516% | 6,930 |
| Total risk-based capital ratio | 10.7186% | 6,921 |
| Memoranda: | ||
| Average total assets | $85,464,000 | 5,289 |
| Average earning assets | $74,936,000 | 5,359 |
| Average equity | $5,362,000 | 6,283 |
| Average total loans | $55,701,670 | 4,963 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9306% | 340 |
| Cost of funding earning assets | 0.7015% | 4,274 |
| Net interest margin | 5.2290% | 284 |
| Noninterest income to average assets | 0.4847% | 4,026 |
| Noninterest expense to average assets | 4.3150% | 647 |
| Loan and lease loss provision to assets | 0.6917% | 763 |
| Net operating income to assets | 0.0376% | 6,356 |
| Return on assets (ROA) | 0.1459% | 6,257 |
| Pretax return on assets | 0.1459% | 6,305 |
| Return on Equity (ROE) | 2.2274% | 5,999 |
| Retained earnings to average equity (ytd only) | 2.2274% | 5,148 |
| Net charge-offs to loans | 2.0776% | 443 |
| Credit loss provision to net charge-offs | 51.0417% | 3,266 |
| Earnings coverage of net charge-offs (x) | 0.5382% | 4,066 |
| Efficiency ratio | 85.5410% | 1,522 |
| Assets per employee ($millions) | 2.5610% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 2,549 |
| Loan loss allowance to noncurrent loans | 18.9323% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 9.1429% | 382 |
| Noncurrent loans to loans | 10.2580% | 290 |
| Net loans and leases to total assets | 63.9847% | 2,852 |
| Net loans and leases to deposits | 68.7439% | 3,919 |
| Net loans and leases to core deposits | 71.7931% | 4,183 |
| Total domestic deposits to total assets | 93.0769% | 139 |
| Equity capital to assets | 6.5954% | 6,995 |
| Core capital (leverage) ratio | 6.7811% | 6,910 |
| Tier 1 risk-based capital ratio | 10.6795% | 6,681 |
| Total risk-based capital ratio | 11.9303% | 6,659 |
| Memoranda: | ||
| Average total assets | $85,005,000 | 5,340 |
| Average earning assets | $74,124,500 | 5,430 |
| Average equity | $5,567,000 | 6,255 |
| Average total loans | $55,449,000 | 4,999 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3987% | 1,423 |
| Cost of funding earning assets | 0.8361% | 4,574 |
| Net interest margin | 4.5626% | 991 |
| Noninterest income to average assets | -0.4269% | 7,246 |
| Noninterest expense to average assets | 4.4961% | 592 |
| Loan and lease loss provision to assets | 0.6457% | 1,580 |
| Net operating income to assets | -1.4918% | 6,903 |
| Return on assets (ROA) | -1.2796% | 6,867 |
| Pretax return on assets | -1.3301% | 6,852 |
| Return on Equity (ROE) | -17.9372% | 6,951 |
| Retained earnings to average equity (ytd only) | -17.9372% | 6,935 |
| Net charge-offs to loans | 1.9492% | 720 |
| Credit loss provision to net charge-offs | 48.8434% | 5,447 |
| Earnings coverage of net charge-offs (x) | -0.6851% | 6,141 |
| Efficiency ratio | 125.2211% | 264 |
| Assets per employee ($millions) | 2.4427% | 6,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1740% | 1,850 |
| Loan loss allowance to noncurrent loans | 16.7797% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 11.2613% | 253 |
| Noncurrent loans to loans | 12.9558% | 173 |
| Net loans and leases to total assets | 63.7913% | 3,236 |
| Net loans and leases to deposits | 68.5120% | 4,364 |
| Net loans and leases to core deposits | 70.5340% | 4,718 |
| Total domestic deposits to total assets | 93.1096% | 132 |
| Equity capital to assets | 6.5032% | 7,045 |
| Core capital (leverage) ratio | 6.8998% | 6,896 |
| Tier 1 risk-based capital ratio | 10.6106% | 6,640 |
| Total risk-based capital ratio | 11.8739% | 6,612 |
| Memoranda: | ||
| Average total assets | $85,029,200 | 5,310 |
| Average earning assets | $74,869,200 | 5,379 |
| Average equity | $6,065,600 | 6,137 |
| Average total loans | $57,664,600 | 4,962 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4254% | 1,442 |
| Cost of funding earning assets | 0.8864% | 4,496 |
| Net interest margin | 4.5390% | 1,069 |
| Noninterest income to average assets | -0.6108% | 7,369 |
| Noninterest expense to average assets | 4.6133% | 519 |
| Loan and lease loss provision to assets | 0.8620% | 1,057 |
| Net operating income to assets | -2.0039% | 7,136 |
| Return on assets (ROA) | -1.7476% | 7,105 |
| Pretax return on assets | -1.8152% | 7,086 |
| Return on Equity (ROE) | -23.9658% | 7,158 |
| Retained earnings to average equity (ytd only) | -23.9658% | 7,147 |
| Net charge-offs to loans | 2.2863% | 521 |
| Credit loss provision to net charge-offs | 55.0652% | 4,925 |
| Earnings coverage of net charge-offs (x) | -0.7793% | 5,899 |
| Efficiency ratio | 135.9556% | 197 |
| Assets per employee ($millions) | 2.3080% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3861% | 1,554 |
| Loan loss allowance to noncurrent loans | 16.6356% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 13.4993% | 175 |
| Noncurrent loans to loans | 14.3432% | 153 |
| Net loans and leases to total assets | 69.8067% | 2,112 |
| Net loans and leases to deposits | 75.6843% | 3,376 |
| Net loans and leases to core deposits | 78.1538% | 3,880 |
| Total domestic deposits to total assets | 92.2341% | 184 |
| Equity capital to assets | 7.1835% | 7,018 |
| Core capital (leverage) ratio | 7.0481% | 6,946 |
| Tier 1 risk-based capital ratio | 10.3963% | 6,822 |
| Total risk-based capital ratio | 11.6604% | 6,798 |
| Memoranda: | ||
| Average total assets | $84,912,500 | 5,357 |
| Average earning assets | $74,904,750 | 5,425 |
| Average equity | $6,192,000 | 6,155 |
| Average total loans | $58,143,000 | 4,988 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 2,712 |
| Cost of funding earning assets | 0.9198% | 4,524 |
| Net interest margin | 4.1739% | 2,144 |
| Noninterest income to average assets | -0.2481% | 7,358 |
| Noninterest expense to average assets | 4.6359% | 519 |
| Loan and lease loss provision to assets | 0.4135% | 2,362 |
| Net operating income to assets | -1.5966% | 7,125 |
| Return on assets (ROA) | -1.4496% | 7,097 |
| Pretax return on assets | -1.4496% | 7,049 |
| Return on Equity (ROE) | -19.7899% | 7,149 |
| Retained earnings to average equity (ytd only) | -19.7899% | 7,133 |
| Net charge-offs to loans | 0.9895% | 1,586 |
| Credit loss provision to net charge-offs | 61.8557% | 4,301 |
| Earnings coverage of net charge-offs (x) | -1.7698% | 5,702 |
| Efficiency ratio | 134.2648% | 231 |
| Assets per employee ($millions) | 2.3853% | 7,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9201% | 963 |
| Loan loss allowance to noncurrent loans | 18.9357% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 14.9406% | 149 |
| Noncurrent loans to loans | 15.4209% | 128 |
| Net loans and leases to total assets | 68.7045% | 2,477 |
| Net loans and leases to deposits | 74.7087% | 3,690 |
| Net loans and leases to core deposits | 77.0592% | 4,181 |
| Total domestic deposits to total assets | 91.9631% | 241 |
| Equity capital to assets | 7.4882% | 6,952 |
| Core capital (leverage) ratio | 7.2963% | 6,866 |
| Tier 1 risk-based capital ratio | 10.9757% | 6,547 |
| Total risk-based capital ratio | 12.2488% | 6,515 |
| Memoranda: | ||
| Average total assets | $87,059,670 | 5,344 |
| Average earning assets | $77,194,330 | 5,392 |
| Average equity | $6,377,000 | 6,121 |
| Average total loans | $58,818,330 | 5,013 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 2,620 |
| Cost of funding earning assets | 0.9657% | 4,458 |
| Net interest margin | 4.1402% | 2,118 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 4.6735% | 499 |
| Loan and lease loss provision to assets | 0.3332% | 2,563 |
| Net operating income to assets | -1.2928% | 7,133 |
| Return on assets (ROA) | -1.0085% | 7,052 |
| Pretax return on assets | -1.0085% | 7,001 |
| Return on Equity (ROE) | -13.9072% | 7,128 |
| Retained earnings to average equity (ytd only) | -13.9072% | 7,010 |
| Net charge-offs to loans | 0.6115% | 1,974 |
| Credit loss provision to net charge-offs | 82.4176% | 3,112 |
| Earnings coverage of net charge-offs (x) | -2.3736% | 4,974 |
| Efficiency ratio | 125.8373% | 292 |
| Assets per employee ($millions) | 2.4863% | 7,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0596% | 863 |
| Loan loss allowance to noncurrent loans | 20.2031% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 14.3369% | 171 |
| Noncurrent loans to loans | 15.1441% | 147 |
| Net loans and leases to total assets | 64.4829% | 3,356 |
| Net loans and leases to deposits | 69.8896% | 4,356 |
| Net loans and leases to core deposits | 71.9204% | 4,798 |
| Total domestic deposits to total assets | 92.2638% | 223 |
| Equity capital to assets | 7.3316% | 6,958 |
| Core capital (leverage) ratio | 7.4131% | 6,778 |
| Tier 1 risk-based capital ratio | 11.3922% | 6,180 |
| Total risk-based capital ratio | 12.6623% | 6,158 |
| Memoranda: | ||
| Average total assets | $90,039,000 | 5,290 |
| Average earning assets | $80,769,000 | 5,335 |
| Average equity | $6,529,000 | 6,084 |
| Average total loans | $59,529,500 | 5,024 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3546% | 2,877 |
| Cost of funding earning assets | 1.4135% | 3,180 |
| Net interest margin | 3.9411% | 3,301 |
| Noninterest income to average assets | -0.0420% | 7,348 |
| Noninterest expense to average assets | 4.2605% | 849 |
| Loan and lease loss provision to assets | 1.2799% | 1,207 |
| Net operating income to assets | -2.0192% | 7,061 |
| Return on assets (ROA) | -2.0192% | 7,073 |
| Pretax return on assets | -2.0765% | 7,047 |
| Return on Equity (ROE) | -24.3097% | 7,118 |
| Retained earnings to average equity (ytd only) | -24.3097% | 7,097 |
| Net charge-offs to loans | 2.0776% | 964 |
| Credit loss provision to net charge-offs | 90.7112% | 5,101 |
| Earnings coverage of net charge-offs (x) | -0.5646% | 6,480 |
| Efficiency ratio | 122.9973% | 380 |
| Assets per employee ($millions) | 2.7370% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9211% | 931 |
| Loan loss allowance to noncurrent loans | 19.6546% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 14.1589% | 190 |
| Noncurrent loans to loans | 14.8623% | 166 |
| Net loans and leases to total assets | 63.8183% | 3,909 |
| Net loans and leases to deposits | 69.2273% | 4,922 |
| Net loans and leases to core deposits | 73.2959% | 5,067 |
| Total domestic deposits to total assets | 92.1866% | 241 |
| Equity capital to assets | 7.1762% | 7,047 |
| Core capital (leverage) ratio | 7.1651% | 6,931 |
| Tier 1 risk-based capital ratio | 10.7578% | 6,524 |
| Total risk-based capital ratio | 12.0257% | 6,476 |
| Memoranda: | ||
| Average total assets | $97,663,800 | 5,055 |
| Average earning assets | $86,879,000 | 5,123 |
| Average equity | $8,112,000 | 5,681 |
| Average total loans | $66,327,200 | 4,813 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5137% | 2,383 |
| Cost of funding earning assets | 1.5024% | 2,967 |
| Net interest margin | 4.0114% | 3,049 |
| Noninterest income to average assets | 0.0567% | 7,243 |
| Noninterest expense to average assets | 4.1990% | 830 |
| Loan and lease loss provision to assets | 0.4048% | 3,481 |
| Net operating income to assets | -1.0174% | 6,912 |
| Return on assets (ROA) | -1.0174% | 6,958 |
| Pretax return on assets | -0.9985% | 6,865 |
| Return on Equity (ROE) | -11.8684% | 7,008 |
| Retained earnings to average equity (ytd only) | -11.8684% | 6,970 |
| Net charge-offs to loans | 1.9541% | 975 |
| Credit loss provision to net charge-offs | 30.2725% | 6,151 |
| Earnings coverage of net charge-offs (x) | -0.4440% | 6,304 |
| Efficiency ratio | 116.4671% | 428 |
| Assets per employee ($millions) | 2.6376% | 6,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 2,385 |
| Loan loss allowance to noncurrent loans | 13.7220% | 7,103 |
| Noncurrent assets plus other real estate owned to assets | 13.9869% | 192 |
| Noncurrent loans to loans | 14.1191% | 183 |
| Net loans and leases to total assets | 67.1104% | 3,434 |
| Net loans and leases to deposits | 73.9941% | 4,511 |
| Net loans and leases to core deposits | 81.3544% | 4,333 |
| Total domestic deposits to total assets | 90.6971% | 550 |
| Equity capital to assets | 8.6725% | 6,069 |
| Core capital (leverage) ratio | 8.3703% | 5,756 |
| Tier 1 risk-based capital ratio | 12.5867% | 4,908 |
| Total risk-based capital ratio | 13.8444% | 4,880 |
| Memoranda: | ||
| Average total assets | $98,815,250 | 5,084 |
| Average earning assets | $87,416,250 | 5,161 |
| Average equity | $8,470,500 | 5,632 |
| Average total loans | $67,615,250 | 4,844 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6393% | 1,985 |
| Cost of funding earning assets | 1.5793% | 2,775 |
| Net interest margin | 4.0600% | 2,749 |
| Noninterest income to average assets | 0.1921% | 6,522 |
| Noninterest expense to average assets | 4.1552% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.4318% | 6,597 |
| Return on assets (ROA) | -0.4318% | 6,630 |
| Pretax return on assets | -0.4040% | 6,513 |
| Return on Equity (ROE) | -5.0549% | 6,700 |
| Retained earnings to average equity (ytd only) | -5.0549% | 6,560 |
| Net charge-offs to loans | 0.9465% | 1,945 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.6239% | 6,053 |
| Efficiency ratio | 110.7709% | 532 |
| Assets per employee ($millions) | 2.6413% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3776% | 1,460 |
| Loan loss allowance to noncurrent loans | 18.3605% | 7,019 |
| Noncurrent assets plus other real estate owned to assets | 12.4403% | 248 |
| Noncurrent loans to loans | 12.9495% | 233 |
| Net loans and leases to total assets | 68.5716% | 3,230 |
| Net loans and leases to deposits | 75.8225% | 4,368 |
| Net loans and leases to core deposits | 87.4326% | 3,631 |
| Total domestic deposits to total assets | 90.4371% | 708 |
| Equity capital to assets | 8.9540% | 5,518 |
| Core capital (leverage) ratio | 8.5927% | 5,248 |
| Tier 1 risk-based capital ratio | 12.8779% | 4,544 |
| Total risk-based capital ratio | 14.1393% | 4,484 |
| Memoranda: | ||
| Average total assets | $100,982,000 | 5,049 |
| Average earning assets | $88,521,670 | 5,155 |
| Average equity | $8,625,330 | 5,603 |
| Average total loans | $69,094,670 | 4,820 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 1,598 |
| Cost of funding earning assets | 1.6782% | 2,491 |
| Net interest margin | 4.0808% | 2,523 |
| Noninterest income to average assets | 0.4465% | 4,510 |
| Noninterest expense to average assets | 3.8487% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0346% | 6,205 |
| Return on assets (ROA) | 0.0346% | 6,322 |
| Pretax return on assets | 0.0885% | 6,164 |
| Return on Equity (ROE) | 0.4147% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.4147% | 5,671 |
| Net charge-offs to loans | 1.5260% | 1,141 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0858% | 4,955 |
| Efficiency ratio | 97.7517% | 936 |
| Assets per employee ($millions) | 2.7230% | 6,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4360% | 1,382 |
| Loan loss allowance to noncurrent loans | 25.7746% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 10.3283% | 370 |
| Noncurrent loans to loans | 9.4510% | 473 |
| Net loans and leases to total assets | 65.4726% | 3,996 |
| Net loans and leases to deposits | 71.9584% | 5,057 |
| Net loans and leases to core deposits | 78.6909% | 4,935 |
| Total domestic deposits to total assets | 90.9868% | 551 |
| Equity capital to assets | 8.6251% | 5,839 |
| Core capital (leverage) ratio | 8.4667% | 5,428 |
| Tier 1 risk-based capital ratio | 12.5742% | 4,669 |
| Total risk-based capital ratio | 13.8378% | 4,619 |
| Memoranda: | ||
| Average total assets | $103,930,000 | 5,035 |
| Average earning assets | $88,904,500 | 5,196 |
| Average equity | $8,681,000 | 5,638 |
| Average total loans | $70,247,000 | 4,852 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2562% | 1,100 |
| Cost of funding earning assets | 2.1403% | 2,276 |
| Net interest margin | 4.1159% | 2,384 |
| Noninterest income to average assets | 0.1838% | 6,775 |
| Noninterest expense to average assets | 3.9773% | 1,391 |
| Loan and lease loss provision to assets | 2.6518% | 725 |
| Net operating income to assets | -2.8523% | 7,362 |
| Return on assets (ROA) | -2.7437% | 7,344 |
| Pretax return on assets | -2.7168% | 7,214 |
| Return on Equity (ROE) | -30.0120% | 7,403 |
| Retained earnings to average equity (ytd only) | -30.2353% | 7,390 |
| Net charge-offs to loans | 3.1889% | 643 |
| Credit loss provision to net charge-offs | 115.0161% | 4,747 |
| Earnings coverage of net charge-offs (x) | -0.0753% | 6,306 |
| Efficiency ratio | 104.5632% | 941 |
| Assets per employee ($millions) | 2.8186% | 6,630 |
| Cash dividends to net income (ytd only)* | -0.7442% | 7,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6275% | 1,095 |
| Loan loss allowance to noncurrent loans | 30.8871% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 8.6091% | 480 |
| Noncurrent loans to loans | 8.5069% | 564 |
| Net loans and leases to total assets | 66.2574% | 4,095 |
| Net loans and leases to deposits | 72.4131% | 5,270 |
| Net loans and leases to core deposits | 90.9588% | 5,018 |
| Total domestic deposits to total assets | 91.4992% | 378 |
| Equity capital to assets | 8.0965% | 6,466 |
| Core capital (leverage) ratio | 8.2474% | 5,730 |
| Tier 1 risk-based capital ratio | 11.6289% | 5,263 |
| Total risk-based capital ratio | 12.8933% | 5,208 |
| Memoranda: | ||
| Average total assets | $107,737,600 | 4,888 |
| Average earning assets | $94,753,800 | 4,985 |
| Average equity | $9,849,400 | 5,340 |
| Average total loans | $77,895,200 | 4,588 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4829% | 777 |
| Cost of funding earning assets | 2.2878% | 2,029 |
| Net interest margin | 4.1951% | 2,082 |
| Noninterest income to average assets | 0.3497% | 5,696 |
| Noninterest expense to average assets | 3.8382% | 1,526 |
| Loan and lease loss provision to assets | 1.6683% | 1,123 |
| Net operating income to assets | -1.4792% | 7,096 |
| Return on assets (ROA) | -1.3568% | 7,037 |
| Pretax return on assets | -1.3568% | 6,887 |
| Return on Equity (ROE) | -14.4321% | 7,161 |
| Retained earnings to average equity (ytd only) | -14.7214% | 7,120 |
| Net charge-offs to loans | 1.2921% | 1,588 |
| Credit loss provision to net charge-offs | 176.0104% | 2,623 |
| Earnings coverage of net charge-offs (x) | 0.1995% | 5,825 |
| Efficiency ratio | 95.3053% | 1,315 |
| Assets per employee ($millions) | 2.7203% | 6,806 |
| Cash dividends to net income (ytd only)* | -2.0035% | 7,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7788% | 810 |
| Loan loss allowance to noncurrent loans | 44.5026% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 7.2379% | 643 |
| Noncurrent loans to loans | 6.2441% | 935 |
| Net loans and leases to total assets | 71.9211% | 3,053 |
| Net loans and leases to deposits | 80.5388% | 4,290 |
| Net loans and leases to core deposits | 101.5767% | 4,204 |
| Total domestic deposits to total assets | 89.2999% | 1,058 |
| Equity capital to assets | 10.2822% | 3,751 |
| Core capital (leverage) ratio | 9.8855% | 3,420 |
| Tier 1 risk-based capital ratio | 12.4018% | 4,628 |
| Total risk-based capital ratio | 13.6672% | 4,561 |
| Memoranda: | ||
| Average total assets | $107,895,000 | 4,917 |
| Average earning assets | $94,584,750 | 5,021 |
| Average equity | $10,143,750 | 5,300 |
| Average total loans | $79,148,500 | 4,575 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4255% | 954 |
| Cost of funding earning assets | 2.3635% | 2,112 |
| Net interest margin | 4.0619% | 2,463 |
| Noninterest income to average assets | 0.2724% | 6,324 |
| Noninterest expense to average assets | 3.8098% | 1,643 |
| Loan and lease loss provision to assets | 0.7587% | 2,167 |
| Net operating income to assets | -0.7459% | 6,791 |
| Return on assets (ROA) | -0.7459% | 6,794 |
| Pretax return on assets | -0.7459% | 6,646 |
| Return on Equity (ROE) | -8.1747% | 6,903 |
| Retained earnings to average equity (ytd only) | -8.6155% | 6,732 |
| Net charge-offs to loans | 1.3793% | 1,356 |
| Credit loss provision to net charge-offs | 75.1812% | 5,315 |
| Earnings coverage of net charge-offs (x) | 0.0127% | 5,673 |
| Efficiency ratio | 99.6652% | 1,194 |
| Assets per employee ($millions) | 2.7225% | 6,789 |
| Cash dividends to net income (ytd only)* | -5.3922% | 7,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 2,042 |
| Loan loss allowance to noncurrent loans | 26.1931% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 6.9242% | 621 |
| Noncurrent loans to loans | 6.8779% | 720 |
| Net loans and leases to total assets | 72.1279% | 3,187 |
| Net loans and leases to deposits | 81.0276% | 4,387 |
| Net loans and leases to core deposits | 101.4304% | 4,356 |
| Total domestic deposits to total assets | 89.0166% | 1,263 |
| Equity capital to assets | 10.6067% | 3,291 |
| Core capital (leverage) ratio | 10.2041% | 3,091 |
| Tier 1 risk-based capital ratio | 13.9817% | 3,530 |
| Total risk-based capital ratio | 15.2384% | 3,463 |
| Memoranda: | ||
| Average total assets | $109,402,330 | 4,902 |
| Average earning assets | $95,619,330 | 5,018 |
| Average equity | $9,982,000 | 5,362 |
| Average total loans | $80,040,670 | 4,580 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4833% | 898 |
| Cost of funding earning assets | 2.3999% | 2,298 |
| Net interest margin | 4.0835% | 2,343 |
| Noninterest income to average assets | 0.5189% | 4,142 |
| Noninterest expense to average assets | 3.6680% | 1,713 |
| Loan and lease loss provision to assets | 0.1441% | 5,104 |
| Net operating income to assets | 0.2018% | 5,652 |
| Return on assets (ROA) | 0.2018% | 5,818 |
| Pretax return on assets | 0.2810% | 5,728 |
| Return on Equity (ROE) | 2.3978% | 5,624 |
| Retained earnings to average equity (ytd only) | 1.4558% | 5,038 |
| Net charge-offs to loans | 0.0049% | 5,634 |
| Credit loss provision to net charge-offs | 4,000.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 367 |
| Efficiency ratio | 89.6127% | 1,754 |
| Assets per employee ($millions) | 2.9372% | 6,327 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 1,446 |
| Loan loss allowance to noncurrent loans | 32.9650% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 5.3048% | 822 |
| Noncurrent loans to loans | 6.0277% | 792 |
| Net loans and leases to total assets | 69.8696% | 3,700 |
| Net loans and leases to deposits | 76.6528% | 5,130 |
| Net loans and leases to core deposits | 92.8426% | 5,274 |
| Total domestic deposits to total assets | 91.1508% | 366 |
| Equity capital to assets | 8.4173% | 6,205 |
| Core capital (leverage) ratio | 8.4767% | 5,585 |
| Tier 1 risk-based capital ratio | 11.5871% | 5,323 |
| Total risk-based capital ratio | 12.8457% | 5,213 |
| Memoranda: | ||
| Average total assets | $111,014,500 | 4,877 |
| Average earning assets | $97,172,000 | 4,999 |
| Average equity | $9,342,000 | 5,583 |
| Average total loans | $81,066,500 | 4,578 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5242% | 395 |
| Cost of funding earning assets | 2.9043% | 2,251 |
| Net interest margin | 4.6199% | 1,128 |
| Noninterest income to average assets | 0.8490% | 2,240 |
| Noninterest expense to average assets | 4.2876% | 1,061 |
| Loan and lease loss provision to assets | 0.7854% | 1,900 |
| Net operating income to assets | 0.0281% | 6,289 |
| Return on assets (ROA) | 0.0409% | 6,114 |
| Pretax return on assets | 0.0236% | 6,108 |
| Return on Equity (ROE) | 0.4715% | 6,086 |
| Retained earnings to average equity (ytd only) | -4.0971% | 6,342 |
| Net charge-offs to loans | 0.4561% | 2,552 |
| Credit loss provision to net charge-offs | 231.9035% | 2,055 |
| Earnings coverage of net charge-offs (x) | 2.3512% | 4,906 |
| Efficiency ratio | 84.3365% | 2,017 |
| Assets per employee ($millions) | 2.9056% | 6,283 |
| Cash dividends to net income (ytd only)* | 968.8889% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 1,492 |
| Loan loss allowance to noncurrent loans | 54.8950% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 3.2460% | 1,404 |
| Noncurrent loans to loans | 3.4021% | 1,505 |
| Net loans and leases to total assets | 73.3829% | 3,267 |
| Net loans and leases to deposits | 80.5113% | 4,957 |
| Net loans and leases to core deposits | 113.2362% | 3,421 |
| Total domestic deposits to total assets | 91.1461% | 285 |
| Equity capital to assets | 8.4129% | 6,230 |
| Core capital (leverage) ratio | 8.1534% | 6,247 |
| Tier 1 risk-based capital ratio | 11.4082% | 5,326 |
| Total risk-based capital ratio | 12.6670% | 5,223 |
| Memoranda: | ||
| Average total assets | $110,132,200 | 4,779 |
| Average earning assets | $100,954,400 | 4,778 |
| Average equity | $9,543,400 | 5,560 |
| Average total loans | $81,781,000 | 4,459 |