Home > First State Bank of Forrest > Performance and Condition Ratios
First State Bank of Forrest, 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 | 4.6715% | 2,737 |
| Cost of funding earning assets | 1.6275% | 1,616 |
| Net interest margin | 3.0440% | 3,193 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.2332% | 3,033 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.8514% | 2,699 |
| Return on assets (ROA) | 0.8514% | 2,676 |
| Pretax return on assets | 0.8556% | 3,080 |
| Return on Equity (ROE) | 10.0500% | 2,482 |
| Retained earnings to average equity (ytd only) | 5.5689% | 2,387 |
| Net charge-offs to loans | 0.0805% | 1,056 |
| Credit loss provision to net charge-offs | 189.7436% | 1,262 |
| Earnings coverage of net charge-offs (x) | 14.3744% | 2,082 |
| Efficiency ratio | 69.3762% | 1,974 |
| Assets per employee ($millions) | 5.2058% | 3,469 |
| Cash dividends to net income (ytd only)* | 44.6097% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 3,638 |
| Loan loss allowance to noncurrent loans | 118.3179% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 803 |
| Noncurrent loans to loans | 0.7791% | 997 |
| Net loans and leases to total assets | 83.0600% | 339 |
| Net loans and leases to deposits | 98.1181% | 644 |
| Net loans and leases to core deposits | 111.5865% | 896 |
| Total domestic deposits to total assets | 84.6500% | 2,420 |
| Equity capital to assets | 8.4828% | 3,068 |
| Core capital (leverage) ratio | 8.8597% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4737% | 2,426 |
| Memoranda: | ||
| Average total assets | $284,350,600 | 2,501 |
| Average earning assets | $273,487,200 | 2,442 |
| Average equity | $24,080,200 | 2,573 |
| Average total loans | $242,356,000 | 2,048 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 2,810 |
| Cost of funding earning assets | 1.4205% | 1,811 |
| Net interest margin | 3.1246% | 3,094 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.1996% | 3,077 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0462% | 2,231 |
| Return on assets (ROA) | 1.0462% | 2,217 |
| Pretax return on assets | 1.0505% | 2,712 |
| Return on Equity (ROE) | 12.3600% | 2,037 |
| Retained earnings to average equity (ytd only) | 6.3116% | 2,532 |
| Net charge-offs to loans | 0.0969% | 804 |
| Credit loss provision to net charge-offs | 51.4286% | 1,886 |
| Earnings coverage of net charge-offs (x) | 13.1771% | 2,045 |
| Efficiency ratio | 66.8010% | 2,177 |
| Assets per employee ($millions) | 5.0735% | 3,554 |
| Cash dividends to net income (ytd only)* | 48.9352% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 3,965 |
| Loan loss allowance to noncurrent loans | 111.7033% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 876 |
| Noncurrent loans to loans | 0.7237% | 1,148 |
| Net loans and leases to total assets | 86.2600% | 147 |
| Net loans and leases to deposits | 101.9966% | 435 |
| Net loans and leases to core deposits | 114.5535% | 710 |
| Total domestic deposits to total assets | 84.5700% | 2,629 |
| Equity capital to assets | 8.4039% | 2,788 |
| Core capital (leverage) ratio | 9.0580% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2300% | 2,536 |
| Memoranda: | ||
| Average total assets | $281,255,500 | 2,520 |
| Average earning assets | $270,702,500 | 2,467 |
| Average equity | $23,807,500 | 2,579 |
| Average total loans | $240,756,500 | 2,056 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 2,878 |
| Cost of funding earning assets | 1.2638% | 1,815 |
| Net interest margin | 3.1412% | 3,133 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.1973% | 3,087 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0531% | 2,254 |
| Return on assets (ROA) | 1.0531% | 2,250 |
| Pretax return on assets | 1.0574% | 2,756 |
| Return on Equity (ROE) | 12.4100% | 2,038 |
| Retained earnings to average equity (ytd only) | 4.2043% | 3,157 |
| Net charge-offs to loans | 0.1501% | 518 |
| Credit loss provision to net charge-offs | 33.7079% | 1,729 |
| Earnings coverage of net charge-offs (x) | 8.6124% | 2,051 |
| Efficiency ratio | 66.6304% | 2,164 |
| Assets per employee ($millions) | 5.3185% | 3,310 |
| Cash dividends to net income (ytd only)* | 66.1213% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 3,971 |
| Loan loss allowance to noncurrent loans | 99.7506% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 714 |
| Noncurrent loans to loans | 0.8227% | 932 |
| Net loans and leases to total assets | 85.7400% | 165 |
| Net loans and leases to deposits | 100.4271% | 496 |
| Net loans and leases to core deposits | 110.2607% | 816 |
| Total domestic deposits to total assets | 85.3800% | 2,432 |
| Equity capital to assets | 8.4997% | 2,866 |
| Core capital (leverage) ratio | 9.0038% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4237% | 2,494 |
| Memoranda: | ||
| Average total assets | $278,611,667 | 2,535 |
| Average earning assets | $268,239,667 | 2,485 |
| Average equity | $23,642,333 | 2,591 |
| Average total loans | $237,179,667 | 2,068 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,879 |
| Cost of funding earning assets | 1.1168% | 1,708 |
| Net interest margin | 3.1522% | 3,227 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.2818% | 2,868 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9575% | 2,663 |
| Return on assets (ROA) | 0.9575% | 2,626 |
| Pretax return on assets | 0.9618% | 3,096 |
| Return on Equity (ROE) | 11.2900% | 2,413 |
| Retained earnings to average equity (ytd only) | -1.4819% | 4,167 |
| Net charge-offs to loans | 0.0804% | 665 |
| Credit loss provision to net charge-offs | 63.8298% | 1,270 |
| Earnings coverage of net charge-offs (x) | 14.8085% | 1,561 |
| Efficiency ratio | 69.4200% | 1,810 |
| Assets per employee ($millions) | 5.2905% | 3,427 |
| Cash dividends to net income (ytd only)* | 113.1222% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 3,875 |
| Loan loss allowance to noncurrent loans | 138.9550% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 950 |
| Noncurrent loans to loans | 0.6427% | 1,170 |
| Net loans and leases to total assets | 83.1500% | 288 |
| Net loans and leases to deposits | 95.7386% | 665 |
| Net loans and leases to core deposits | 104.3633% | 905 |
| Total domestic deposits to total assets | 86.8500% | 2,319 |
| Equity capital to assets | 8.4163% | 2,956 |
| Core capital (leverage) ratio | 8.9130% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4470% | 2,584 |
| Memoranda: | ||
| Average total assets | $276,977,000 | 2,576 |
| Average earning assets | $266,479,000 | 2,523 |
| Average equity | $23,484,000 | 2,624 |
| Average total loans | $233,920,500 | 2,102 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 2,200 |
| Cost of funding earning assets | 0.4903% | 1,465 |
| Net interest margin | 3.3370% | 2,464 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.1511% | 3,154 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2731% | 1,520 |
| Return on assets (ROA) | 1.2731% | 1,477 |
| Pretax return on assets | 1.2777% | 2,168 |
| Return on Equity (ROE) | 15.1400% | 1,223 |
| Retained earnings to average equity (ytd only) | 11.7961% | 712 |
| Net charge-offs to loans | 0.0210% | 1,663 |
| Credit loss provision to net charge-offs | 663.0435% | 558 |
| Earnings coverage of net charge-offs (x) | 80.1522% | 1,086 |
| Efficiency ratio | 60.6972% | 2,960 |
| Assets per employee ($millions) | 5.1615% | 3,546 |
| Cash dividends to net income (ytd only)* | 22.1068% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 3,730 |
| Loan loss allowance to noncurrent loans | 149.1549% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 963 |
| Noncurrent loans to loans | 0.6105% | 1,223 |
| Net loans and leases to total assets | 84.2500% | 236 |
| Net loans and leases to deposits | 97.2713% | 571 |
| Net loans and leases to core deposits | 103.6502% | 833 |
| Total domestic deposits to total assets | 86.6100% | 2,531 |
| Equity capital to assets | 8.5426% | 2,682 |
| Core capital (leverage) ratio | 9.0303% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6003% | 2,527 |
| Memoranda: | ||
| Average total assets | $264,699,800 | 2,637 |
| Average earning assets | $255,167,400 | 2,576 |
| Average equity | $22,253,200 | 2,751 |
| Average total loans | $219,235,200 | 2,111 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 2,053 |
| Cost of funding earning assets | 0.4195% | 1,158 |
| Net interest margin | 3.2794% | 2,362 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.1898% | 2,960 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2602% | 1,493 |
| Return on assets (ROA) | 1.2602% | 1,458 |
| Pretax return on assets | 1.2648% | 2,157 |
| Return on Equity (ROE) | 15.0500% | 1,161 |
| Retained earnings to average equity (ytd only) | 10.5333% | 1,186 |
| Net charge-offs to loans | 0.0173% | 1,497 |
| Credit loss provision to net charge-offs | 321.4286% | 785 |
| Earnings coverage of net charge-offs (x) | 92.1429% | 984 |
| Efficiency ratio | 62.5599% | 2,756 |
| Assets per employee ($millions) | 4.9433% | 3,722 |
| Cash dividends to net income (ytd only)* | 30.0282% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 4,017 |
| Loan loss allowance to noncurrent loans | 123.4576% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 927 |
| Noncurrent loans to loans | 0.6744% | 1,210 |
| Net loans and leases to total assets | 84.1500% | 233 |
| Net loans and leases to deposits | 96.6934% | 519 |
| Net loans and leases to core deposits | 102.9037% | 703 |
| Total domestic deposits to total assets | 87.0300% | 2,749 |
| Equity capital to assets | 8.1091% | 2,830 |
| Core capital (leverage) ratio | 8.8865% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1643% | 2,764 |
| Memoranda: | ||
| Average total assets | $262,485,500 | 2,671 |
| Average earning assets | $253,295,000 | 2,615 |
| Average equity | $21,974,250 | 2,824 |
| Average total loans | $215,898,750 | 2,131 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5803% | 1,903 |
| Cost of funding earning assets | 0.3766% | 1,074 |
| Net interest margin | 3.2037% | 2,176 |
| Noninterest income to average assets | 0.3609% | 2,988 |
| Noninterest expense to average assets | 2.3026% | 2,545 |
| Loan and lease loss provision to assets | 0.0463% | 1,737 |
| Net operating income to assets | 1.0973% | 1,777 |
| Return on assets (ROA) | 1.0973% | 1,755 |
| Pretax return on assets | 1.1020% | 2,406 |
| Return on Equity (ROE) | 12.9658% | 1,387 |
| Retained earnings to average equity (ytd only) | 7.1526% | 1,935 |
| Net charge-offs to loans | 0.0019% | 2,038 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 744.5000% | 190 |
| Efficiency ratio | 66.7263% | 2,408 |
| Assets per employee ($millions) | 4.7085% | 3,925 |
| Cash dividends to net income (ytd only)* | 44.8349% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 4,053 |
| Loan loss allowance to noncurrent loans | 108.6735% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 818 |
| Noncurrent loans to loans | 0.7954% | 1,080 |
| Net loans and leases to total assets | 83.3811% | 211 |
| Net loans and leases to deposits | 95.7382% | 443 |
| Net loans and leases to core deposits | 98.9001% | 718 |
| Total domestic deposits to total assets | 87.0929% | 2,907 |
| Equity capital to assets | 8.2795% | 2,924 |
| Core capital (leverage) ratio | 8.9026% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2130% | 2,747 |
| Memoranda: | ||
| Average total assets | $259,354,000 | 2,713 |
| Average earning assets | $250,147,000 | 2,668 |
| Average equity | $21,950,000 | 2,902 |
| Average total loans | $210,959,667 | 2,164 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 1,731 |
| Cost of funding earning assets | 0.4147% | 802 |
| Net interest margin | 3.1078% | 2,146 |
| Noninterest income to average assets | 0.4044% | 2,656 |
| Noninterest expense to average assets | 2.3812% | 2,233 |
| Loan and lease loss provision to assets | 0.0467% | 1,529 |
| Net operating income to assets | 0.9674% | 2,003 |
| Return on assets (ROA) | 0.9674% | 2,003 |
| Pretax return on assets | 0.9721% | 2,533 |
| Return on Equity (ROE) | 11.3078% | 1,518 |
| Retained earnings to average equity (ytd only) | 3.5814% | 3,084 |
| Net charge-offs to loans | 0.0078% | 1,466 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 163.7500% | 503 |
| Efficiency ratio | 70.0366% | 2,225 |
| Assets per employee ($millions) | 4.6487% | 4,039 |
| Cash dividends to net income (ytd only)* | 68.3280% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 4,014 |
| Loan loss allowance to noncurrent loans | 182.8322% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 1,111 |
| Noncurrent loans to loans | 0.4983% | 1,779 |
| Net loans and leases to total assets | 78.7617% | 316 |
| Net loans and leases to deposits | 87.4355% | 654 |
| Net loans and leases to core deposits | 90.1226% | 919 |
| Total domestic deposits to total assets | 90.0798% | 1,515 |
| Equity capital to assets | 8.2930% | 3,328 |
| Core capital (leverage) ratio | 8.3743% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0998% | 2,870 |
| Memoranda: | ||
| Average total assets | $257,186,000 | 2,741 |
| Average earning assets | $247,890,500 | 2,692 |
| Average equity | $22,002,500 | 2,991 |
| Average total loans | $205,553,000 | 2,193 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 1,758 |
| Cost of funding earning assets | 0.6610% | 396 |
| Net interest margin | 3.1827% | 2,649 |
| Noninterest income to average assets | 0.1155% | 4,546 |
| Noninterest expense to average assets | 2.0116% | 3,644 |
| Loan and lease loss provision to assets | 0.1095% | 1,153 |
| Net operating income to assets | 1.0484% | 2,485 |
| Return on assets (ROA) | 1.0484% | 2,563 |
| Pretax return on assets | 1.0532% | 3,121 |
| Return on Equity (ROE) | 12.1702% | 1,754 |
| Retained earnings to average equity (ytd only) | 11.1678% | 676 |
| Net charge-offs to loans | 0.0031% | 2,505 |
| Credit loss provision to net charge-offs | 4,500.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 478.0000% | 286 |
| Efficiency ratio | 63.3716% | 2,663 |
| Assets per employee ($millions) | 4.7045% | 3,965 |
| Cash dividends to net income (ytd only)* | 8.2367% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,040 |
| Loan loss allowance to noncurrent loans | 132.6909% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 913 |
| Noncurrent loans to loans | 0.6861% | 1,462 |
| Net loans and leases to total assets | 79.6410% | 283 |
| Net loans and leases to deposits | 88.9986% | 608 |
| Net loans and leases to core deposits | 91.8335% | 887 |
| Total domestic deposits to total assets | 89.4857% | 1,248 |
| Equity capital to assets | 8.8236% | 3,784 |
| Core capital (leverage) ratio | 8.9575% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7138% | 2,723 |
| Memoranda: | ||
| Average total assets | $246,671,200 | 2,749 |
| Average earning assets | $237,064,800 | 2,700 |
| Average equity | $21,248,600 | 3,116 |
| Average total loans | $194,398,600 | 2,274 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 2,602 |
| Cost of funding earning assets | 0.7122% | 354 |
| Net interest margin | 2.8716% | 3,613 |
| Noninterest income to average assets | 0.3513% | 3,351 |
| Noninterest expense to average assets | 1.9975% | 3,679 |
| Loan and lease loss provision to assets | 0.1307% | 885 |
| Net operating income to assets | 0.9759% | 3,002 |
| Return on assets (ROA) | 0.9759% | 3,082 |
| Pretax return on assets | 0.9808% | 3,518 |
| Return on Equity (ROE) | 11.4010% | 2,241 |
| Retained earnings to average equity (ytd only) | 10.0458% | 1,298 |
| Net charge-offs to loans | -0.0076% | 3,575 |
| Credit loss provision to net charge-offs | -2,181.8182% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2494% | 2,350 |
| Assets per employee ($millions) | 4.5122% | 4,114 |
| Cash dividends to net income (ytd only)* | 11.8862% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 4,084 |
| Loan loss allowance to noncurrent loans | 169.0476% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 1,266 |
| Noncurrent loans to loans | 0.5476% | 1,949 |
| Net loans and leases to total assets | 81.0826% | 238 |
| Net loans and leases to deposits | 90.8357% | 556 |
| Net loans and leases to core deposits | 93.8948% | 829 |
| Total domestic deposits to total assets | 89.2629% | 1,140 |
| Equity capital to assets | 8.9235% | 3,904 |
| Core capital (leverage) ratio | 8.9502% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6910% | 2,804 |
| Memoranda: | ||
| Average total assets | $244,827,750 | 2,786 |
| Average earning assets | $235,122,500 | 2,734 |
| Average equity | $20,956,750 | 3,167 |
| Average total loans | $191,952,500 | 2,329 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5541% | 2,760 |
| Cost of funding earning assets | 0.7831% | 312 |
| Net interest margin | 2.7710% | 3,848 |
| Noninterest income to average assets | 0.2504% | 3,900 |
| Noninterest expense to average assets | 1.8139% | 4,157 |
| Loan and lease loss provision to assets | 0.1713% | 674 |
| Net operating income to assets | 0.9184% | 3,169 |
| Return on assets (ROA) | 0.9184% | 3,244 |
| Pretax return on assets | 0.9233% | 3,608 |
| Return on Equity (ROE) | 10.8820% | 2,464 |
| Retained earnings to average equity (ytd only) | 10.8820% | 1,151 |
| Net charge-offs to loans | -0.0074% | 3,557 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3668% | 2,683 |
| Assets per employee ($millions) | 4.5200% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,043 |
| Loan loss allowance to noncurrent loans | 131.3996% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 1,096 |
| Noncurrent loans to loans | 0.7123% | 1,659 |
| Net loans and leases to total assets | 80.0538% | 314 |
| Net loans and leases to deposits | 90.1716% | 643 |
| Net loans and leases to core deposits | 93.3566% | 935 |
| Total domestic deposits to total assets | 88.7794% | 1,399 |
| Equity capital to assets | 8.8847% | 3,906 |
| Core capital (leverage) ratio | 8.5606% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1038% | 2,678 |
| Memoranda: | ||
| Average total assets | $245,217,333 | 2,771 |
| Average earning assets | $235,218,000 | 2,722 |
| Average equity | $20,694,667 | 3,188 |
| Average total loans | $189,466,333 | 2,351 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4977% | 2,929 |
| Cost of funding earning assets | 0.8517% | 279 |
| Net interest margin | 2.6460% | 4,063 |
| Noninterest income to average assets | 0.2999% | 3,613 |
| Noninterest expense to average assets | 1.9835% | 3,769 |
| Loan and lease loss provision to assets | 0.2903% | 333 |
| Net operating income to assets | 0.5612% | 4,039 |
| Return on assets (ROA) | 0.5612% | 4,086 |
| Pretax return on assets | 0.5660% | 4,249 |
| Return on Equity (ROE) | 6.8235% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.8235% | 2,633 |
| Net charge-offs to loans | 0.0192% | 1,352 |
| Credit loss provision to net charge-offs | 2,000.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 831 |
| Efficiency ratio | 69.8467% | 1,724 |
| Assets per employee ($millions) | 4.7712% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,091 |
| Loan loss allowance to noncurrent loans | 146.9218% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 1,394 |
| Noncurrent loans to loans | 0.6289% | 1,996 |
| Net loans and leases to total assets | 74.8870% | 727 |
| Net loans and leases to deposits | 83.8213% | 1,166 |
| Net loans and leases to core deposits | 87.3280% | 1,428 |
| Total domestic deposits to total assets | 89.3413% | 1,152 |
| Equity capital to assets | 8.1124% | 4,426 |
| Core capital (leverage) ratio | 8.2596% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1562% | 2,606 |
| Memoranda: | ||
| Average total assets | $248,046,500 | 2,738 |
| Average earning assets | $238,098,500 | 2,693 |
| Average equity | $20,400,000 | 3,213 |
| Average total loans | $187,405,500 | 2,376 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 2,888 |
| Cost of funding earning assets | 1.3109% | 171 |
| Net interest margin | 2.6344% | 4,455 |
| Noninterest income to average assets | 0.2468% | 4,013 |
| Noninterest expense to average assets | 2.1169% | 3,896 |
| Loan and lease loss provision to assets | 0.0789% | 3,393 |
| Net operating income to assets | 0.5584% | 3,878 |
| Return on assets (ROA) | 0.5584% | 3,975 |
| Pretax return on assets | 0.5635% | 4,156 |
| Return on Equity (ROE) | 6.7144% | 3,318 |
| Retained earnings to average equity (ytd only) | 5.4331% | 2,075 |
| Net charge-offs to loans | 0.1223% | 1,275 |
| Credit loss provision to net charge-offs | 81.4978% | 2,979 |
| Earnings coverage of net charge-offs (x) | 6.6388% | 2,761 |
| Efficiency ratio | 76.7187% | 1,149 |
| Assets per employee ($millions) | 4.5041% | 3,908 |
| Cash dividends to net income (ytd only)* | 19.0840% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 4,276 |
| Loan loss allowance to noncurrent loans | 87.4931% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 1,038 |
| Noncurrent loans to loans | 0.9925% | 1,426 |
| Net loans and leases to total assets | 74.8627% | 919 |
| Net loans and leases to deposits | 84.0528% | 1,451 |
| Net loans and leases to core deposits | 88.0065% | 1,696 |
| Total domestic deposits to total assets | 89.0663% | 957 |
| Equity capital to assets | 8.3406% | 4,558 |
| Core capital (leverage) ratio | 8.2453% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1600% | 2,564 |
| Memoranda: | ||
| Average total assets | $234,589,000 | 2,685 |
| Average earning assets | $223,731,400 | 2,643 |
| Average equity | $19,510,200 | 3,228 |
| Average total loans | $185,552,800 | 2,369 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 2,865 |
| Cost of funding earning assets | 1.3813% | 179 |
| Net interest margin | 2.6580% | 4,518 |
| Noninterest income to average assets | 0.1715% | 4,443 |
| Noninterest expense to average assets | 2.1574% | 3,786 |
| Loan and lease loss provision to assets | 0.0891% | 3,200 |
| Net operating income to assets | 0.4555% | 4,160 |
| Return on assets (ROA) | 0.4555% | 4,224 |
| Pretax return on assets | 0.4606% | 4,362 |
| Return on Equity (ROE) | 5.4806% | 3,729 |
| Retained earnings to average equity (ytd only) | 3.7549% | 3,167 |
| Net charge-offs to loans | 0.1548% | 946 |
| Credit loss provision to net charge-offs | 71.7593% | 2,801 |
| Earnings coverage of net charge-offs (x) | 4.4352% | 2,820 |
| Efficiency ratio | 79.6991% | 887 |
| Assets per employee ($millions) | 4.6419% | 3,668 |
| Cash dividends to net income (ytd only)* | 31.4861% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8353% | 4,276 |
| Loan loss allowance to noncurrent loans | 50.7405% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.5029% | 566 |
| Noncurrent loans to loans | 1.6461% | 846 |
| Net loans and leases to total assets | 79.0367% | 706 |
| Net loans and leases to deposits | 88.8900% | 1,383 |
| Net loans and leases to core deposits | 93.6852% | 1,668 |
| Total domestic deposits to total assets | 88.9151% | 806 |
| Equity capital to assets | 8.3384% | 4,554 |
| Core capital (leverage) ratio | 8.2712% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6529% | 2,740 |
| Memoranda: | ||
| Average total assets | $232,431,250 | 2,688 |
| Average earning assets | $221,714,250 | 2,641 |
| Average equity | $19,316,250 | 3,250 |
| Average total loans | $186,022,000 | 2,368 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 2,694 |
| Cost of funding earning assets | 1.4236% | 211 |
| Net interest margin | 2.7964% | 4,458 |
| Noninterest income to average assets | 0.1273% | 4,668 |
| Noninterest expense to average assets | 2.1593% | 3,901 |
| Loan and lease loss provision to assets | 0.1082% | 2,926 |
| Net operating income to assets | 0.5247% | 3,943 |
| Return on assets (ROA) | 0.5247% | 4,030 |
| Pretax return on assets | 0.5299% | 4,200 |
| Return on Equity (ROE) | 6.3207% | 3,390 |
| Retained earnings to average equity (ytd only) | 3.7132% | 3,057 |
| Net charge-offs to loans | 0.1232% | 1,106 |
| Credit loss provision to net charge-offs | 109.6491% | 2,337 |
| Earnings coverage of net charge-offs (x) | 6.4649% | 2,437 |
| Efficiency ratio | 77.1897% | 1,135 |
| Assets per employee ($millions) | 4.0610% | 4,248 |
| Cash dividends to net income (ytd only)* | 41.2541% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 4,093 |
| Loan loss allowance to noncurrent loans | 48.0607% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.7437% | 475 |
| Noncurrent loans to loans | 1.8250% | 767 |
| Net loans and leases to total assets | 79.0705% | 711 |
| Net loans and leases to deposits | 88.9127% | 1,457 |
| Net loans and leases to core deposits | 93.9501% | 1,745 |
| Total domestic deposits to total assets | 88.9304% | 771 |
| Equity capital to assets | 8.3035% | 4,591 |
| Core capital (leverage) ratio | 7.9868% | 4,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7543% | 2,713 |
| Memoranda: | ||
| Average total assets | $230,996,000 | 2,677 |
| Average earning assets | $220,568,333 | 2,624 |
| Average equity | $19,175,000 | 3,255 |
| Average total loans | $185,134,333 | 2,356 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,808 |
| Cost of funding earning assets | 1.4266% | 354 |
| Net interest margin | 2.9080% | 4,423 |
| Noninterest income to average assets | 0.1382% | 4,674 |
| Noninterest expense to average assets | 2.1825% | 4,052 |
| Loan and lease loss provision to assets | 0.1661% | 1,760 |
| Net operating income to assets | 0.5649% | 3,695 |
| Return on assets (ROA) | 0.5649% | 3,764 |
| Pretax return on assets | 0.5701% | 3,980 |
| Return on Equity (ROE) | 6.8059% | 3,025 |
| Retained earnings to average equity (ytd only) | 1.5382% | 3,591 |
| Net charge-offs to loans | 0.2569% | 572 |
| Credit loss provision to net charge-offs | 80.5085% | 1,933 |
| Earnings coverage of net charge-offs (x) | 3.5678% | 2,205 |
| Efficiency ratio | 74.7753% | 1,713 |
| Assets per employee ($millions) | 4.0374% | 3,869 |
| Cash dividends to net income (ytd only)* | 77.3994% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 4,181 |
| Loan loss allowance to noncurrent loans | 43.1666% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9310% | 444 |
| Noncurrent loans to loans | 2.0427% | 686 |
| Net loans and leases to total assets | 78.8354% | 852 |
| Net loans and leases to deposits | 91.2487% | 1,372 |
| Net loans and leases to core deposits | 96.6858% | 1,734 |
| Total domestic deposits to total assets | 86.3962% | 1,827 |
| Equity capital to assets | 8.2539% | 4,914 |
| Core capital (leverage) ratio | 8.3012% | 4,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5844% | 2,897 |
| Memoranda: | ||
| Average total assets | $228,725,000 | 2,644 |
| Average earning assets | $218,704,500 | 2,583 |
| Average equity | $18,983,500 | 3,272 |
| Average total loans | $183,757,000 | 2,319 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 3,767 |
| Cost of funding earning assets | 1.3687% | 618 |
| Net interest margin | 2.8485% | 4,710 |
| Noninterest income to average assets | 0.1507% | 4,740 |
| Noninterest expense to average assets | 2.0201% | 4,498 |
| Loan and lease loss provision to assets | 0.4511% | 302 |
| Net operating income to assets | 0.4186% | 4,565 |
| Return on assets (ROA) | 0.4186% | 4,596 |
| Pretax return on assets | 0.4236% | 4,670 |
| Return on Equity (ROE) | 4.9440% | 4,221 |
| Retained earnings to average equity (ytd only) | -0.2504% | 4,738 |
| Net charge-offs to loans | 0.5173% | 360 |
| Credit loss provision to net charge-offs | 107.2961% | 2,314 |
| Earnings coverage of net charge-offs (x) | 2.0805% | 3,458 |
| Efficiency ratio | 69.7834% | 2,202 |
| Assets per employee ($millions) | 4.2890% | 3,526 |
| Cash dividends to net income (ytd only)* | 105.0647% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 4,019 |
| Loan loss allowance to noncurrent loans | 39.4363% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.0953% | 363 |
| Noncurrent loans to loans | 2.2502% | 541 |
| Net loans and leases to total assets | 80.4325% | 736 |
| Net loans and leases to deposits | 93.2608% | 1,221 |
| Net loans and leases to core deposits | 99.3755% | 1,618 |
| Total domestic deposits to total assets | 86.2447% | 1,958 |
| Equity capital to assets | 8.3461% | 4,971 |
| Core capital (leverage) ratio | 8.2986% | 4,945 |
| Tier 1 risk-based capital ratio | 11.5965% | 4,577 |
| Total risk-based capital ratio | 12.6012% | 4,587 |
| Memoranda: | ||
| Average total assets | $221,666,800 | 2,645 |
| Average earning assets | $213,553,200 | 2,575 |
| Average equity | $18,770,400 | 3,252 |
| Average total loans | $180,166,400 | 2,316 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 3,965 |
| Cost of funding earning assets | 1.3374% | 702 |
| Net interest margin | 2.8418% | 4,819 |
| Noninterest income to average assets | 0.1404% | 4,835 |
| Noninterest expense to average assets | 2.0200% | 4,512 |
| Loan and lease loss provision to assets | 0.4752% | 256 |
| Net operating income to assets | 0.3802% | 4,754 |
| Return on assets (ROA) | 0.3802% | 4,779 |
| Pretax return on assets | 0.3850% | 4,825 |
| Return on Equity (ROE) | 4.4728% | 4,484 |
| Retained earnings to average equity (ytd only) | -2.4715% | 4,960 |
| Net charge-offs to loans | 0.5405% | 308 |
| Credit loss provision to net charge-offs | 108.1267% | 2,118 |
| Earnings coverage of net charge-offs (x) | 1.9573% | 3,236 |
| Efficiency ratio | 70.1345% | 2,095 |
| Assets per employee ($millions) | 4.3259% | 3,447 |
| Cash dividends to net income (ytd only)* | 155.2555% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 4,083 |
| Loan loss allowance to noncurrent loans | 40.2373% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 2.0705% | 406 |
| Noncurrent loans to loans | 2.2136% | 572 |
| Net loans and leases to total assets | 79.0105% | 990 |
| Net loans and leases to deposits | 91.3390% | 1,526 |
| Net loans and leases to core deposits | 97.8787% | 1,834 |
| Total domestic deposits to total assets | 86.5025% | 1,772 |
| Equity capital to assets | 8.1423% | 5,104 |
| Core capital (leverage) ratio | 8.0941% | 5,094 |
| Tier 1 risk-based capital ratio | 11.7213% | 4,562 |
| Total risk-based capital ratio | 12.7476% | 4,569 |
| Memoranda: | ||
| Average total assets | $220,254,500 | 2,682 |
| Average earning assets | $212,345,750 | 2,614 |
| Average equity | $18,720,000 | 3,280 |
| Average total loans | $179,089,750 | 2,354 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1000% | 4,161 |
| Cost of funding earning assets | 1.2578% | 851 |
| Net interest margin | 2.8422% | 4,881 |
| Noninterest income to average assets | 0.1197% | 4,967 |
| Noninterest expense to average assets | 2.0207% | 4,574 |
| Loan and lease loss provision to assets | 0.6951% | 150 |
| Net operating income to assets | 0.1390% | 5,035 |
| Return on assets (ROA) | 0.1390% | 5,047 |
| Pretax return on assets | 0.1436% | 5,052 |
| Return on Equity (ROE) | 1.6118% | 4,992 |
| Retained earnings to average equity (ytd only) | -8.7953% | 5,152 |
| Net charge-offs to loans | 0.8164% | 173 |
| Credit loss provision to net charge-offs | 103.9945% | 1,912 |
| Earnings coverage of net charge-offs (x) | 1.2548% | 3,035 |
| Efficiency ratio | 70.6697% | 2,125 |
| Assets per employee ($millions) | 4.1728% | 3,616 |
| Cash dividends to net income (ytd only)* | 645.6954% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 4,113 |
| Loan loss allowance to noncurrent loans | 43.0844% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.9841% | 474 |
| Noncurrent loans to loans | 2.0780% | 671 |
| Net loans and leases to total assets | 79.9834% | 885 |
| Net loans and leases to deposits | 94.2709% | 1,229 |
| Net loans and leases to core deposits | 100.9750% | 1,634 |
| Total domestic deposits to total assets | 84.8442% | 2,547 |
| Equity capital to assets | 8.2449% | 5,129 |
| Core capital (leverage) ratio | 8.2282% | 5,097 |
| Tier 1 risk-based capital ratio | 11.7460% | 4,545 |
| Total risk-based capital ratio | 12.7820% | 4,559 |
| Memoranda: | ||
| Average total assets | $217,248,670 | 2,716 |
| Average earning assets | $209,415,000 | 2,642 |
| Average equity | $18,737,330 | 3,277 |
| Average total loans | $177,860,670 | 2,366 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 4,292 |
| Cost of funding earning assets | 1.1864% | 942 |
| Net interest margin | 2.8486% | 4,938 |
| Noninterest income to average assets | 0.1431% | 4,879 |
| Noninterest expense to average assets | 1.9675% | 4,703 |
| Loan and lease loss provision to assets | 0.0372% | 2,880 |
| Net operating income to assets | 0.8825% | 3,299 |
| Return on assets (ROA) | 0.8825% | 3,355 |
| Pretax return on assets | 0.8862% | 3,811 |
| Return on Equity (ROE) | 10.0058% | 2,372 |
| Retained earnings to average equity (ytd only) | 3.1597% | 3,674 |
| Net charge-offs to loans | 0.0766% | 1,305 |
| Credit loss provision to net charge-offs | 58.8235% | 1,921 |
| Earnings coverage of net charge-offs (x) | 14.6176% | 1,786 |
| Efficiency ratio | 68.0591% | 2,632 |
| Assets per employee ($millions) | 4.8348% | 2,740 |
| Cash dividends to net income (ytd only)* | 68.4211% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 4,268 |
| Loan loss allowance to noncurrent loans | 34.6634% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.1764% | 411 |
| Noncurrent loans to loans | 2.5122% | 518 |
| Net loans and leases to total assets | 81.3604% | 664 |
| Net loans and leases to deposits | 99.3428% | 678 |
| Net loans and leases to core deposits | 106.3845% | 1,150 |
| Total domestic deposits to total assets | 81.8987% | 3,750 |
| Equity capital to assets | 8.7887% | 4,829 |
| Core capital (leverage) ratio | 8.9038% | 4,718 |
| Tier 1 risk-based capital ratio | 12.1516% | 4,379 |
| Total risk-based capital ratio | 13.1414% | 4,423 |
| Memoranda: | ||
| Average total assets | $215,295,000 | 2,760 |
| Average earning assets | $207,678,500 | 2,692 |
| Average equity | $18,989,000 | 3,263 |
| Average total loans | $177,548,000 | 2,391 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 3,999 |
| Cost of funding earning assets | 0.9201% | 1,024 |
| Net interest margin | 3.0908% | 4,667 |
| Noninterest income to average assets | 0.1309% | 5,038 |
| Noninterest expense to average assets | 2.2766% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8099% | 3,767 |
| Return on assets (ROA) | 0.8069% | 3,781 |
| Pretax return on assets | 0.8109% | 4,142 |
| Return on Equity (ROE) | 10.1342% | 2,461 |
| Retained earnings to average equity (ytd only) | 2.0715% | 4,329 |
| Net charge-offs to loans | 0.0071% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 137.3333% | 592 |
| Efficiency ratio | 73.6657% | 1,671 |
| Assets per employee ($millions) | 4.7342% | 2,826 |
| Cash dividends to net income (ytd only)* | 79.5594% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 4,211 |
| Loan loss allowance to noncurrent loans | 29.6653% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.5986% | 279 |
| Noncurrent loans to loans | 2.9961% | 338 |
| Net loans and leases to total assets | 82.1255% | 629 |
| Net loans and leases to deposits | 100.5841% | 700 |
| Net loans and leases to core deposits | 105.6694% | 1,292 |
| Total domestic deposits to total assets | 81.6486% | 3,737 |
| Equity capital to assets | 8.8584% | 4,685 |
| Core capital (leverage) ratio | 9.0312% | 4,625 |
| Tier 1 risk-based capital ratio | 12.3799% | 4,194 |
| Total risk-based capital ratio | 13.4046% | 4,211 |
| Memoranda: | ||
| Average total assets | $202,496,800 | 2,839 |
| Average earning assets | $193,898,400 | 2,778 |
| Average equity | $16,123,600 | 3,500 |
| Average total loans | $169,358,200 | 2,443 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 3,983 |
| Cost of funding earning assets | 0.8765% | 1,010 |
| Net interest margin | 3.1046% | 4,695 |
| Noninterest income to average assets | 0.1454% | 5,049 |
| Noninterest expense to average assets | 2.3035% | 4,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8052% | 3,881 |
| Return on assets (ROA) | 0.8012% | 3,900 |
| Pretax return on assets | 0.8059% | 4,273 |
| Return on Equity (ROE) | 10.3734% | 2,447 |
| Retained earnings to average equity (ytd only) | -0.8551% | 5,125 |
| Net charge-offs to loans | -0.0183% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9876% | 1,596 |
| Assets per employee ($millions) | 4.6387% | 2,933 |
| Cash dividends to net income (ytd only)* | 108.2434% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 4,168 |
| Loan loss allowance to noncurrent loans | 36.7974% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.1826% | 457 |
| Noncurrent loans to loans | 2.5099% | 519 |
| Net loans and leases to total assets | 82.4322% | 640 |
| Net loans and leases to deposits | 101.1118% | 695 |
| Net loans and leases to core deposits | 106.3947% | 1,281 |
| Total domestic deposits to total assets | 81.5258% | 3,732 |
| Equity capital to assets | 8.8052% | 4,721 |
| Core capital (leverage) ratio | 8.9201% | 4,780 |
| Tier 1 risk-based capital ratio | 12.0595% | 4,471 |
| Total risk-based capital ratio | 13.1119% | 4,461 |
| Memoranda: | ||
| Average total assets | $199,860,750 | 2,886 |
| Average earning assets | $191,065,250 | 2,832 |
| Average equity | $15,436,500 | 3,607 |
| Average total loans | $167,565,250 | 2,472 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,876 |
| Cost of funding earning assets | 0.8160% | 1,061 |
| Net interest margin | 3.1533% | 4,608 |
| Noninterest income to average assets | 0.1138% | 5,216 |
| Noninterest expense to average assets | 2.4926% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6267% | 4,419 |
| Return on assets (ROA) | 0.6216% | 4,437 |
| Pretax return on assets | 0.6267% | 4,688 |
| Return on Equity (ROE) | 8.4675% | 3,280 |
| Retained earnings to average equity (ytd only) | -5.0224% | 5,294 |
| Net charge-offs to loans | -0.0350% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7789% | 1,036 |
| Assets per employee ($millions) | 4.4576% | 3,190 |
| Cash dividends to net income (ytd only)* | 159.3137% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 4,122 |
| Loan loss allowance to noncurrent loans | 35.8894% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.5156% | 348 |
| Noncurrent loans to loans | 2.6445% | 467 |
| Net loans and leases to total assets | 83.7661% | 483 |
| Net loans and leases to deposits | 103.6040% | 547 |
| Net loans and leases to core deposits | 107.8825% | 1,125 |
| Total domestic deposits to total assets | 80.8522% | 4,040 |
| Equity capital to assets | 7.0940% | 5,438 |
| Core capital (leverage) ratio | 7.1956% | 5,466 |
| Tier 1 risk-based capital ratio | 10.2392% | 5,356 |
| Total risk-based capital ratio | 11.3901% | 5,320 |
| Memoranda: | ||
| Average total assets | $196,901,000 | 2,934 |
| Average earning assets | $187,994,000 | 2,880 |
| Average equity | $14,455,330 | 3,751 |
| Average total loans | $165,529,330 | 2,501 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 4,178 |
| Cost of funding earning assets | 0.7834% | 1,027 |
| Net interest margin | 3.0302% | 4,835 |
| Noninterest income to average assets | 0.1742% | 4,983 |
| Noninterest expense to average assets | 2.7408% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3116% | 5,075 |
| Return on assets (ROA) | 0.3116% | 5,082 |
| Pretax return on assets | 0.3198% | 5,144 |
| Return on Equity (ROE) | 4.1540% | 4,727 |
| Retained earnings to average equity (ytd only) | -4.7279% | 5,189 |
| Net charge-offs to loans | -0.0220% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5512% | 464 |
| Assets per employee ($millions) | 5.2576% | 2,189 |
| Cash dividends to net income (ytd only)* | 213.8158% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 4,102 |
| Loan loss allowance to noncurrent loans | 38.5735% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.3980% | 398 |
| Noncurrent loans to loans | 2.5231% | 540 |
| Net loans and leases to total assets | 80.9769% | 797 |
| Net loans and leases to deposits | 98.6055% | 821 |
| Net loans and leases to core deposits | 102.8650% | 1,456 |
| Total domestic deposits to total assets | 82.1221% | 3,922 |
| Equity capital to assets | 7.2827% | 5,476 |
| Core capital (leverage) ratio | 7.4792% | 5,514 |
| Tier 1 risk-based capital ratio | 10.9058% | 5,183 |
| Total risk-based capital ratio | 12.0976% | 5,114 |
| Memoranda: | ||
| Average total assets | $195,124,500 | 2,981 |
| Average earning assets | $185,862,500 | 2,933 |
| Average equity | $14,636,500 | 3,752 |
| Average total loans | $163,475,000 | 2,537 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 3,831 |
| Cost of funding earning assets | 0.6881% | 1,086 |
| Net interest margin | 3.1809% | 4,495 |
| Noninterest income to average assets | 0.2172% | 4,855 |
| Noninterest expense to average assets | 2.1358% | 4,685 |
| Loan and lease loss provision to assets | 0.2029% | 1,017 |
| Net operating income to assets | 0.9231% | 2,580 |
| Return on assets (ROA) | 0.9231% | 2,610 |
| Pretax return on assets | 0.9319% | 3,801 |
| Return on Equity (ROE) | 11.5560% | 1,330 |
| Retained earnings to average equity (ytd only) | 2.5603% | 3,788 |
| Net charge-offs to loans | 0.2554% | 1,024 |
| Credit loss provision to net charge-offs | 91.2935% | 2,758 |
| Earnings coverage of net charge-offs (x) | 5.1070% | 3,378 |
| Efficiency ratio | 65.3034% | 3,384 |
| Assets per employee ($millions) | 5.0121% | 2,458 |
| Cash dividends to net income (ytd only)* | 77.8443% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 4,119 |
| Loan loss allowance to noncurrent loans | 31.1711% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.9880% | 271 |
| Noncurrent loans to loans | 3.1007% | 352 |
| Net loans and leases to total assets | 85.0551% | 343 |
| Net loans and leases to deposits | 104.7792% | 456 |
| Net loans and leases to core deposits | 109.4390% | 1,038 |
| Total domestic deposits to total assets | 81.1756% | 4,077 |
| Equity capital to assets | 7.7302% | 5,477 |
| Core capital (leverage) ratio | 7.8239% | 5,489 |
| Tier 1 risk-based capital ratio | 10.7508% | 5,272 |
| Total risk-based capital ratio | 11.9052% | 5,207 |
| Memoranda: | ||
| Average total assets | $180,919,400 | 3,102 |
| Average earning assets | $173,662,000 | 3,031 |
| Average equity | $14,451,400 | 3,787 |
| Average total loans | $157,411,400 | 2,575 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 3,785 |
| Cost of funding earning assets | 0.6636% | 1,158 |
| Net interest margin | 3.2000% | 4,449 |
| Noninterest income to average assets | 0.2173% | 4,923 |
| Noninterest expense to average assets | 2.0448% | 4,862 |
| Loan and lease loss provision to assets | 0.2868% | 559 |
| Net operating income to assets | 0.9596% | 2,727 |
| Return on assets (ROA) | 0.9596% | 2,781 |
| Pretax return on assets | 0.9686% | 3,805 |
| Return on Equity (ROE) | 11.9115% | 1,359 |
| Retained earnings to average equity (ytd only) | -0.1390% | 5,229 |
| Net charge-offs to loans | 0.3225% | 651 |
| Credit loss provision to net charge-offs | 101.8568% | 2,243 |
| Earnings coverage of net charge-offs (x) | 4.4589% | 3,220 |
| Efficiency ratio | 61.9597% | 3,892 |
| Assets per employee ($millions) | 4.9202% | 2,549 |
| Cash dividends to net income (ytd only)* | 101.1673% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 4,006 |
| Loan loss allowance to noncurrent loans | 36.2196% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.7614% | 343 |
| Noncurrent loans to loans | 2.7835% | 495 |
| Net loans and leases to total assets | 85.2350% | 318 |
| Net loans and leases to deposits | 105.1818% | 448 |
| Net loans and leases to core deposits | 109.4564% | 1,059 |
| Total domestic deposits to total assets | 81.0359% | 4,038 |
| Equity capital to assets | 7.6692% | 5,601 |
| Core capital (leverage) ratio | 7.9156% | 5,542 |
| Tier 1 risk-based capital ratio | 10.2506% | 5,527 |
| Total risk-based capital ratio | 11.4108% | 5,513 |
| Memoranda: | ||
| Average total assets | $178,534,250 | 3,162 |
| Average earning assets | $171,997,250 | 3,072 |
| Average equity | $14,383,500 | 3,835 |
| Average total loans | $155,870,000 | 2,612 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 3,798 |
| Cost of funding earning assets | 0.6402% | 1,208 |
| Net interest margin | 3.1870% | 4,456 |
| Noninterest income to average assets | 0.2413% | 4,798 |
| Noninterest expense to average assets | 2.1636% | 4,645 |
| Loan and lease loss provision to assets | 0.1502% | 1,348 |
| Net operating income to assets | 1.0016% | 2,422 |
| Return on assets (ROA) | 1.0016% | 2,461 |
| Pretax return on assets | 1.0095% | 3,531 |
| Return on Equity (ROE) | 12.2236% | 1,230 |
| Retained earnings to average equity (ytd only) | -1.3196% | 5,266 |
| Net charge-offs to loans | 0.1712% | 1,140 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 7.7197% | 2,579 |
| Efficiency ratio | 65.1027% | 3,494 |
| Assets per employee ($millions) | 4.9759% | 2,417 |
| Cash dividends to net income (ytd only)* | 110.7955% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 4,068 |
| Loan loss allowance to noncurrent loans | 45.3423% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.1743% | 553 |
| Noncurrent loans to loans | 2.2336% | 719 |
| Net loans and leases to total assets | 88.1720% | 137 |
| Net loans and leases to deposits | 106.8791% | 364 |
| Net loans and leases to core deposits | 112.3411% | 886 |
| Total domestic deposits to total assets | 82.4969% | 3,726 |
| Equity capital to assets | 7.9600% | 5,552 |
| Core capital (leverage) ratio | 8.1151% | 5,478 |
| Tier 1 risk-based capital ratio | 10.3996% | 5,508 |
| Total risk-based capital ratio | 11.5782% | 5,458 |
| Memoranda: | ||
| Average total assets | $175,722,670 | 3,213 |
| Average earning assets | $169,938,330 | 3,112 |
| Average equity | $14,398,330 | 3,838 |
| Average total loans | $154,164,670 | 2,638 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 3,625 |
| Cost of funding earning assets | 0.6438% | 1,104 |
| Net interest margin | 3.1953% | 4,358 |
| Noninterest income to average assets | 0.2230% | 4,938 |
| Noninterest expense to average assets | 1.9515% | 5,149 |
| Loan and lease loss provision to assets | 0.0850% | 2,120 |
| Net operating income to assets | 1.2711% | 1,320 |
| Return on assets (ROA) | 1.2711% | 1,352 |
| Pretax return on assets | 1.2780% | 2,317 |
| Return on Equity (ROE) | 15.2889% | 614 |
| Retained earnings to average equity (ytd only) | 6.3036% | 2,186 |
| Net charge-offs to loans | 0.0581% | 1,750 |
| Credit loss provision to net charge-offs | 168.1818% | 1,132 |
| Earnings coverage of net charge-offs (x) | 26.9545% | 1,285 |
| Efficiency ratio | 58.8766% | 4,608 |
| Assets per employee ($millions) | 4.8623% | 2,618 |
| Cash dividends to net income (ytd only)* | 58.7703% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,893 |
| Loan loss allowance to noncurrent loans | 61.1090% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.6813% | 897 |
| Noncurrent loans to loans | 1.7482% | 1,089 |
| Net loans and leases to total assets | 86.2866% | 202 |
| Net loans and leases to deposits | 103.2216% | 436 |
| Net loans and leases to core deposits | 108.3689% | 953 |
| Total domestic deposits to total assets | 83.5936% | 3,626 |
| Equity capital to assets | 8.3306% | 5,340 |
| Core capital (leverage) ratio | 8.3248% | 5,366 |
| Tier 1 risk-based capital ratio | 11.3595% | 5,114 |
| Total risk-based capital ratio | 12.6098% | 5,015 |
| Memoranda: | ||
| Average total assets | $174,017,000 | 3,269 |
| Average earning assets | $168,372,500 | 3,154 |
| Average equity | $14,468,000 | 3,852 |
| Average total loans | $151,466,000 | 2,683 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,241 |
| Cost of funding earning assets | 0.5547% | 1,648 |
| Net interest margin | 3.4315% | 3,704 |
| Noninterest income to average assets | 0.2526% | 4,907 |
| Noninterest expense to average assets | 1.9339% | 5,314 |
| Loan and lease loss provision to assets | 0.0768% | 2,821 |
| Net operating income to assets | 1.5600% | 744 |
| Return on assets (ROA) | 1.5600% | 769 |
| Pretax return on assets | 1.5642% | 1,381 |
| Return on Equity (ROE) | 18.3253% | 305 |
| Retained earnings to average equity (ytd only) | 2.5374% | 4,072 |
| Net charge-offs to loans | 0.1027% | 2,246 |
| Credit loss provision to net charge-offs | 85.3333% | 2,889 |
| Earnings coverage of net charge-offs (x) | 18.2333% | 1,980 |
| Efficiency ratio | 54.0953% | 5,235 |
| Assets per employee ($millions) | 4.8054% | 2,644 |
| Cash dividends to net income (ytd only)* | 86.1538% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 3,855 |
| Loan loss allowance to noncurrent loans | 79.9604% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.3475% | 1,286 |
| Noncurrent loans to loans | 1.3450% | 1,527 |
| Net loans and leases to total assets | 85.9272% | 233 |
| Net loans and leases to deposits | 102.8749% | 475 |
| Net loans and leases to core deposits | 108.2604% | 1,006 |
| Total domestic deposits to total assets | 83.5259% | 3,592 |
| Equity capital to assets | 8.2974% | 5,421 |
| Core capital (leverage) ratio | 8.2962% | 5,440 |
| Tier 1 risk-based capital ratio | 10.8153% | 5,425 |
| Total risk-based capital ratio | 12.0329% | 5,346 |
| Memoranda: | ||
| Average total assets | $166,662,200 | 3,322 |
| Average earning assets | $161,357,600 | 3,216 |
| Average equity | $14,188,000 | 3,921 |
| Average total loans | $146,101,000 | 2,694 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 3,249 |
| Cost of funding earning assets | 0.5429% | 1,770 |
| Net interest margin | 3.4506% | 3,668 |
| Noninterest income to average assets | 0.2746% | 4,808 |
| Noninterest expense to average assets | 1.8213% | 5,491 |
| Loan and lease loss provision to assets | 0.1034% | 2,197 |
| Net operating income to assets | 1.6872% | 608 |
| Return on assets (ROA) | 1.6872% | 647 |
| Pretax return on assets | 1.6921% | 1,132 |
| Return on Equity (ROE) | 19.6887% | 259 |
| Retained earnings to average equity (ytd only) | 3.2893% | 3,932 |
| Net charge-offs to loans | 0.1333% | 1,640 |
| Credit loss provision to net charge-offs | 88.2759% | 2,558 |
| Earnings coverage of net charge-offs (x) | 15.3309% | 2,184 |
| Efficiency ratio | 50.3573% | 5,479 |
| Assets per employee ($millions) | 4.7296% | 2,704 |
| Cash dividends to net income (ytd only)* | 83.2935% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,935 |
| Loan loss allowance to noncurrent loans | 69.0375% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.5141% | 1,180 |
| Noncurrent loans to loans | 1.5664% | 1,386 |
| Net loans and leases to total assets | 87.0854% | 185 |
| Net loans and leases to deposits | 104.5633% | 430 |
| Net loans and leases to core deposits | 109.7276% | 935 |
| Total domestic deposits to total assets | 83.2849% | 3,488 |
| Equity capital to assets | 8.4239% | 5,572 |
| Core capital (leverage) ratio | 8.5935% | 5,270 |
| Tier 1 risk-based capital ratio | 11.2342% | 5,236 |
| Total risk-based capital ratio | 12.4842% | 5,143 |
| Memoranda: | ||
| Average total assets | $165,079,500 | 3,360 |
| Average earning assets | $159,891,750 | 3,255 |
| Average equity | $14,146,500 | 3,959 |
| Average total loans | $145,060,250 | 2,706 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 3,309 |
| Cost of funding earning assets | 0.5317% | 1,860 |
| Net interest margin | 3.4492% | 3,689 |
| Noninterest income to average assets | 0.2326% | 5,092 |
| Noninterest expense to average assets | 1.7778% | 5,622 |
| Loan and lease loss provision to assets | 0.1567% | 1,451 |
| Net operating income to assets | 1.6370% | 664 |
| Return on assets (ROA) | 1.6370% | 705 |
| Pretax return on assets | 1.6419% | 1,251 |
| Return on Equity (ROE) | 18.9901% | 297 |
| Retained earnings to average equity (ytd only) | 0.4545% | 5,167 |
| Net charge-offs to loans | 0.1771% | 1,279 |
| Credit loss provision to net charge-offs | 100.7874% | 2,075 |
| Earnings coverage of net charge-offs (x) | 11.5669% | 2,251 |
| Efficiency ratio | 49.7090% | 5,578 |
| Assets per employee ($millions) | 4.5430% | 2,946 |
| Cash dividends to net income (ytd only)* | 97.6066% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,778 |
| Loan loss allowance to noncurrent loans | 77.5307% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.5060% | 1,271 |
| Noncurrent loans to loans | 1.4587% | 1,516 |
| Net loans and leases to total assets | 87.6086% | 157 |
| Net loans and leases to deposits | 103.5035% | 480 |
| Net loans and leases to core deposits | 109.6651% | 947 |
| Total domestic deposits to total assets | 84.6431% | 3,026 |
| Equity capital to assets | 8.5760% | 5,553 |
| Core capital (leverage) ratio | 8.5195% | 5,349 |
| Tier 1 risk-based capital ratio | 11.4945% | 5,160 |
| Total risk-based capital ratio | 12.7450% | 5,045 |
| Memoranda: | ||
| Average total assets | $163,351,000 | 3,394 |
| Average earning assets | $158,355,330 | 3,291 |
| Average equity | $14,081,000 | 3,984 |
| Average total loans | $143,448,000 | 2,728 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 3,612 |
| Cost of funding earning assets | 0.5227% | 1,921 |
| Net interest margin | 3.3708% | 3,975 |
| Noninterest income to average assets | 0.2426% | 5,000 |
| Noninterest expense to average assets | 1.7519% | 5,699 |
| Loan and lease loss provision to assets | 0.1274% | 1,666 |
| Net operating income to assets | 1.6269% | 665 |
| Return on assets (ROA) | 1.6269% | 706 |
| Pretax return on assets | 1.6343% | 1,218 |
| Return on Equity (ROE) | 18.8255% | 306 |
| Retained earnings to average equity (ytd only) | 6.4925% | 2,135 |
| Net charge-offs to loans | 0.1261% | 1,346 |
| Credit loss provision to net charge-offs | 115.5556% | 1,473 |
| Earnings coverage of net charge-offs (x) | 15.9778% | 1,642 |
| Efficiency ratio | 49.8605% | 5,636 |
| Assets per employee ($millions) | 4.5514% | 2,978 |
| Cash dividends to net income (ytd only)* | 65.5120% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 3,793 |
| Loan loss allowance to noncurrent loans | 72.4351% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.5087% | 1,349 |
| Noncurrent loans to loans | 1.5822% | 1,470 |
| Net loans and leases to total assets | 86.5977% | 186 |
| Net loans and leases to deposits | 102.4513% | 487 |
| Net loans and leases to core deposits | 108.4876% | 947 |
| Total domestic deposits to total assets | 84.5257% | 3,305 |
| Equity capital to assets | 8.6804% | 5,438 |
| Core capital (leverage) ratio | 8.7307% | 5,145 |
| Tier 1 risk-based capital ratio | 11.7931% | 5,051 |
| Total risk-based capital ratio | 13.0443% | 4,956 |
| Memoranda: | ||
| Average total assets | $163,252,000 | 3,412 |
| Average earning assets | $158,418,000 | 3,301 |
| Average equity | $14,108,500 | 3,994 |
| Average total loans | $142,711,000 | 2,741 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,279 |
| Cost of funding earning assets | 0.4497% | 2,630 |
| Net interest margin | 3.5595% | 3,284 |
| Noninterest income to average assets | 0.2141% | 5,311 |
| Noninterest expense to average assets | 1.9848% | 5,484 |
| Loan and lease loss provision to assets | 0.0211% | 3,962 |
| Net operating income to assets | 1.6490% | 633 |
| Return on assets (ROA) | 1.6490% | 654 |
| Pretax return on assets | 1.6573% | 1,088 |
| Return on Equity (ROE) | 18.6247% | 340 |
| Retained earnings to average equity (ytd only) | 2.4104% | 4,346 |
| Net charge-offs to loans | 0.0240% | 3,776 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 79.3636% | 706 |
| Efficiency ratio | 54.1812% | 5,511 |
| Assets per employee ($millions) | 4.5181% | 3,016 |
| Cash dividends to net income (ytd only)* | 87.0579% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,730 |
| Loan loss allowance to noncurrent loans | 67.5464% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.6213% | 1,211 |
| Noncurrent loans to loans | 1.7091% | 1,324 |
| Net loans and leases to total assets | 86.2252% | 214 |
| Net loans and leases to deposits | 101.9726% | 542 |
| Net loans and leases to core deposits | 107.8085% | 983 |
| Total domestic deposits to total assets | 84.5572% | 3,268 |
| Equity capital to assets | 8.6036% | 5,463 |
| Core capital (leverage) ratio | 8.6755% | 5,242 |
| Tier 1 risk-based capital ratio | 11.6084% | 5,187 |
| Total risk-based capital ratio | 12.8585% | 5,094 |
| Memoranda: | ||
| Average total assets | $156,036,600 | 3,483 |
| Average earning assets | $151,202,000 | 3,386 |
| Average equity | $13,815,000 | 4,009 |
| Average total loans | $137,464,600 | 2,758 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 3,315 |
| Cost of funding earning assets | 0.4261% | 2,949 |
| Net interest margin | 3.5798% | 3,236 |
| Noninterest income to average assets | 0.1969% | 5,466 |
| Noninterest expense to average assets | 1.9725% | 5,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6841% | 649 |
| Return on assets (ROA) | 1.6841% | 669 |
| Pretax return on assets | 1.6927% | 1,124 |
| Return on Equity (ROE) | 18.8808% | 344 |
| Retained earnings to average equity (ytd only) | 2.0333% | 4,860 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8172% | 5,533 |
| Assets per employee ($millions) | 4.5051% | 3,000 |
| Cash dividends to net income (ytd only)* | 89.2305% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 3,864 |
| Loan loss allowance to noncurrent loans | 85.0467% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 1,751 |
| Noncurrent loans to loans | 1.3653% | 1,877 |
| Net loans and leases to total assets | 88.4290% | 118 |
| Net loans and leases to deposits | 105.0445% | 405 |
| Net loans and leases to core deposits | 109.1956% | 921 |
| Total domestic deposits to total assets | 84.1824% | 3,346 |
| Equity capital to assets | 8.7970% | 5,493 |
| Core capital (leverage) ratio | 8.8535% | 5,177 |
| Tier 1 risk-based capital ratio | 11.6543% | 5,294 |
| Total risk-based capital ratio | 12.9062% | 5,212 |
| Memoranda: | ||
| Average total assets | $154,382,750 | 3,534 |
| Average earning assets | $149,576,250 | 3,437 |
| Average equity | $13,770,250 | 4,060 |
| Average total loans | $136,359,500 | 2,794 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0071% | 3,261 |
| Cost of funding earning assets | 0.4080% | 3,187 |
| Net interest margin | 3.5991% | 3,099 |
| Noninterest income to average assets | 0.2362% | 5,266 |
| Noninterest expense to average assets | 2.0146% | 5,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7014% | 627 |
| Return on assets (ROA) | 1.7014% | 657 |
| Pretax return on assets | 1.7092% | 1,068 |
| Return on Equity (ROE) | 18.9857% | 337 |
| Retained earnings to average equity (ytd only) | -0.0146% | 5,509 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0995% | 5,578 |
| Assets per employee ($millions) | 4.4074% | 3,127 |
| Cash dividends to net income (ytd only)* | 100.0767% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 3,775 |
| Loan loss allowance to noncurrent loans | 102.5673% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 2,204 |
| Noncurrent loans to loans | 1.1726% | 2,307 |
| Net loans and leases to total assets | 87.2279% | 182 |
| Net loans and leases to deposits | 100.7925% | 604 |
| Net loans and leases to core deposits | 105.3152% | 1,107 |
| Total domestic deposits to total assets | 86.5420% | 2,406 |
| Equity capital to assets | 8.8553% | 5,385 |
| Core capital (leverage) ratio | 8.8742% | 5,125 |
| Tier 1 risk-based capital ratio | 11.8969% | 5,219 |
| Total risk-based capital ratio | 13.1484% | 5,116 |
| Memoranda: | ||
| Average total assets | $153,284,000 | 3,574 |
| Average earning assets | $148,535,670 | 3,477 |
| Average equity | $13,736,670 | 4,092 |
| Average total loans | $134,788,670 | 2,833 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 3,434 |
| Cost of funding earning assets | 0.4001% | 3,305 |
| Net interest margin | 3.5464% | 3,237 |
| Noninterest income to average assets | 0.3011% | 4,765 |
| Noninterest expense to average assets | 1.9922% | 5,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7356% | 546 |
| Return on assets (ROA) | 1.7356% | 580 |
| Pretax return on assets | 1.7435% | 959 |
| Return on Equity (ROE) | 19.2523% | 303 |
| Retained earnings to average equity (ytd only) | 6.6207% | 2,177 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3287% | 5,728 |
| Assets per employee ($millions) | 4.4002% | 3,199 |
| Cash dividends to net income (ytd only)* | 65.6109% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 3,857 |
| Loan loss allowance to noncurrent loans | 97.8495% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 2,183 |
| Noncurrent loans to loans | 1.2446% | 2,299 |
| Net loans and leases to total assets | 86.2702% | 173 |
| Net loans and leases to deposits | 99.9023% | 569 |
| Net loans and leases to core deposits | 104.3962% | 1,040 |
| Total domestic deposits to total assets | 86.3546% | 2,735 |
| Equity capital to assets | 9.0184% | 5,266 |
| Core capital (leverage) ratio | 9.1676% | 4,763 |
| Tier 1 risk-based capital ratio | 12.2426% | 5,079 |
| Total risk-based capital ratio | 13.4943% | 4,988 |
| Memoranda: | ||
| Average total assets | $152,797,000 | 3,610 |
| Average earning assets | $147,981,000 | 3,500 |
| Average equity | $13,775,000 | 4,116 |
| Average total loans | $134,086,000 | 2,846 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 3,584 |
| Cost of funding earning assets | 0.3774% | 3,937 |
| Net interest margin | 3.6555% | 3,197 |
| Noninterest income to average assets | 0.0333% | 6,330 |
| Noninterest expense to average assets | 2.0872% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4918% | 893 |
| Return on assets (ROA) | 1.4918% | 931 |
| Pretax return on assets | 1.4810% | 1,611 |
| Return on Equity (ROE) | 15.9502% | 628 |
| Retained earnings to average equity (ytd only) | -0.3270% | 5,820 |
| Net charge-offs to loans | 0.0071% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 242.1111% | 225 |
| Efficiency ratio | 58.4952% | 5,406 |
| Assets per employee ($millions) | 4.3310% | 3,306 |
| Cash dividends to net income (ytd only)* | 102.0501% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 3,854 |
| Loan loss allowance to noncurrent loans | 101.4870% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 2,406 |
| Noncurrent loans to loans | 1.2074% | 2,433 |
| Net loans and leases to total assets | 87.1011% | 152 |
| Net loans and leases to deposits | 100.9512% | 568 |
| Net loans and leases to core deposits | 105.7770% | 1,029 |
| Total domestic deposits to total assets | 86.2804% | 2,685 |
| Equity capital to assets | 9.0120% | 5,274 |
| Core capital (leverage) ratio | 9.0572% | 4,897 |
| Tier 1 risk-based capital ratio | 11.9509% | 5,395 |
| Total risk-based capital ratio | 13.2028% | 5,296 |
| Memoranda: | ||
| Average total assets | $147,133,600 | 3,677 |
| Average earning assets | $142,278,600 | 3,561 |
| Average equity | $13,761,600 | 4,061 |
| Average total loans | $127,171,600 | 2,925 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0272% | 3,652 |
| Cost of funding earning assets | 0.3682% | 4,143 |
| Net interest margin | 3.6590% | 3,191 |
| Noninterest income to average assets | 0.2036% | 5,710 |
| Noninterest expense to average assets | 2.0618% | 5,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6984% | 615 |
| Return on assets (ROA) | 1.6984% | 645 |
| Pretax return on assets | 1.6810% | 1,112 |
| Return on Equity (ROE) | 17.9879% | 451 |
| Retained earnings to average equity (ytd only) | 1.1605% | 5,424 |
| Net charge-offs to loans | 0.0074% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 263.0879% | 257 |
| Efficiency ratio | 55.0866% | 5,736 |
| Assets per employee ($millions) | 4.2954% | 3,301 |
| Cash dividends to net income (ytd only)* | 93.5482% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 3,881 |
| Loan loss allowance to noncurrent loans | 100.3672% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.2412% | 2,476 |
| Noncurrent loans to loans | 1.2556% | 2,543 |
| Net loans and leases to total assets | 85.4687% | 224 |
| Net loans and leases to deposits | 99.3014% | 651 |
| Net loans and leases to core deposits | 104.5977% | 1,066 |
| Total domestic deposits to total assets | 86.0701% | 2,811 |
| Equity capital to assets | 9.1966% | 5,151 |
| Core capital (leverage) ratio | 9.3616% | 4,557 |
| Tier 1 risk-based capital ratio | 12.4852% | 5,177 |
| Total risk-based capital ratio | 13.7386% | 5,111 |
| Memoranda: | ||
| Average total assets | $146,020,500 | 3,728 |
| Average earning assets | $141,237,000 | 3,610 |
| Average equity | $13,786,750 | 4,083 |
| Average total loans | $125,546,750 | 2,966 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,643 |
| Cost of funding earning assets | 0.3589% | 4,332 |
| Net interest margin | 3.6638% | 3,098 |
| Noninterest income to average assets | 0.2393% | 5,482 |
| Noninterest expense to average assets | 2.0639% | 5,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7513% | 535 |
| Return on assets (ROA) | 1.7513% | 562 |
| Pretax return on assets | 1.7194% | 977 |
| Return on Equity (ROE) | 18.3829% | 425 |
| Retained earnings to average equity (ytd only) | -0.5663% | 5,787 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5521% | 5,868 |
| Assets per employee ($millions) | 4.0439% | 3,751 |
| Cash dividends to net income (ytd only)* | 103.0806% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 3,835 |
| Loan loss allowance to noncurrent loans | 167.5483% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 3,357 |
| Noncurrent loans to loans | 0.7782% | 3,753 |
| Net loans and leases to total assets | 85.6375% | 201 |
| Net loans and leases to deposits | 100.7036% | 519 |
| Net loans and leases to core deposits | 105.9686% | 899 |
| Total domestic deposits to total assets | 85.0392% | 3,484 |
| Equity capital to assets | 9.3880% | 4,855 |
| Core capital (leverage) ratio | 9.4526% | 4,393 |
| Tier 1 risk-based capital ratio | 12.5865% | 5,169 |
| Total risk-based capital ratio | 13.8398% | 5,098 |
| Memoranda: | ||
| Average total assets | $144,581,330 | 3,768 |
| Average earning assets | $139,856,000 | 3,651 |
| Average equity | $13,773,670 | 4,090 |
| Average total loans | $124,018,330 | 2,990 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,913 |
| Cost of funding earning assets | 0.3557% | 4,484 |
| Net interest margin | 3.5886% | 3,300 |
| Noninterest income to average assets | 0.2998% | 4,960 |
| Noninterest expense to average assets | 1.9655% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8795% | 416 |
| Return on assets (ROA) | 1.8795% | 437 |
| Pretax return on assets | 1.8073% | 792 |
| Return on Equity (ROE) | 19.5849% | 322 |
| Retained earnings to average equity (ytd only) | 7.0008% | 2,046 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0971% | 6,133 |
| Assets per employee ($millions) | 3.9501% | 4,045 |
| Cash dividends to net income (ytd only)* | 64.2541% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,988 |
| Loan loss allowance to noncurrent loans | 101.4787% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 2,873 |
| Noncurrent loans to loans | 1.3051% | 2,845 |
| Net loans and leases to total assets | 83.9586% | 239 |
| Net loans and leases to deposits | 98.9062% | 495 |
| Net loans and leases to core deposits | 103.8402% | 868 |
| Total domestic deposits to total assets | 84.8871% | 3,927 |
| Equity capital to assets | 9.5434% | 4,442 |
| Core capital (leverage) ratio | 9.6581% | 4,051 |
| Tier 1 risk-based capital ratio | 13.7365% | 4,514 |
| Total risk-based capital ratio | 14.9911% | 4,462 |
| Memoranda: | ||
| Average total assets | $144,082,000 | 3,804 |
| Average earning assets | $139,442,000 | 3,677 |
| Average equity | $13,827,000 | 4,081 |
| Average total loans | $122,868,500 | 3,011 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 3,132 |
| Cost of funding earning assets | 0.3667% | 4,989 |
| Net interest margin | 3.8885% | 2,330 |
| Noninterest income to average assets | 0.2942% | 5,248 |
| Noninterest expense to average assets | 2.1615% | 5,709 |
| Loan and lease loss provision to assets | 0.0177% | 4,777 |
| Net operating income to assets | 1.8089% | 474 |
| Return on assets (ROA) | 1.8089% | 485 |
| Pretax return on assets | 1.8466% | 685 |
| Return on Equity (ROE) | 17.9998% | 409 |
| Retained earnings to average equity (ytd only) | 1.5227% | 5,135 |
| Net charge-offs to loans | 0.0052% | 5,365 |
| Credit loss provision to net charge-offs | 400.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 420.3333% | 101 |
| Efficiency ratio | 53.6908% | 6,167 |
| Assets per employee ($millions) | 3.8381% | 4,183 |
| Cash dividends to net income (ytd only)* | 91.5407% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 3,859 |
| Loan loss allowance to noncurrent loans | 128.7725% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 3,443 |
| Noncurrent loans to loans | 1.0537% | 3,407 |
| Net loans and leases to total assets | 84.3139% | 234 |
| Net loans and leases to deposits | 99.6654% | 496 |
| Net loans and leases to core deposits | 104.2107% | 892 |
| Total domestic deposits to total assets | 84.5970% | 3,927 |
| Equity capital to assets | 9.6514% | 4,218 |
| Core capital (leverage) ratio | 9.7079% | 3,973 |
| Tier 1 risk-based capital ratio | 14.1861% | 4,165 |
| Total risk-based capital ratio | 15.4415% | 4,103 |
| Memoranda: | ||
| Average total assets | $135,279,200 | 3,973 |
| Average earning assets | $129,818,200 | 3,848 |
| Average equity | $13,594,600 | 4,146 |
| Average total loans | $115,112,400 | 3,146 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 3,084 |
| Cost of funding earning assets | 0.3595% | 5,204 |
| Net interest margin | 3.9198% | 2,198 |
| Noninterest income to average assets | 0.3104% | 5,222 |
| Noninterest expense to average assets | 2.1836% | 5,638 |
| Loan and lease loss provision to assets | 0.0190% | 4,633 |
| Net operating income to assets | 1.8244% | 499 |
| Return on assets (ROA) | 1.8244% | 517 |
| Pretax return on assets | 1.8623% | 776 |
| Return on Equity (ROE) | 17.9650% | 446 |
| Retained earnings to average equity (ytd only) | 0.8648% | 5,631 |
| Net charge-offs to loans | 0.0223% | 4,681 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 99.2211% | 502 |
| Efficiency ratio | 53.7196% | 6,128 |
| Assets per employee ($millions) | 3.7835% | 4,282 |
| Cash dividends to net income (ytd only)* | 95.1860% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,075 |
| Loan loss allowance to noncurrent loans | 143.1459% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 3,493 |
| Noncurrent loans to loans | 0.9507% | 3,914 |
| Net loans and leases to total assets | 84.3458% | 227 |
| Net loans and leases to deposits | 99.8419% | 471 |
| Net loans and leases to core deposits | 103.6501% | 897 |
| Total domestic deposits to total assets | 84.4794% | 3,989 |
| Equity capital to assets | 9.7065% | 4,294 |
| Core capital (leverage) ratio | 10.0815% | 3,557 |
| Tier 1 risk-based capital ratio | 14.2883% | 4,225 |
| Total risk-based capital ratio | 15.5438% | 4,164 |
| Memoranda: | ||
| Average total assets | $133,596,250 | 4,045 |
| Average earning assets | $127,963,000 | 3,919 |
| Average equity | $13,566,750 | 4,197 |
| Average total loans | $113,545,000 | 3,192 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,910 |
| Cost of funding earning assets | 0.3726% | 5,210 |
| Net interest margin | 3.9373% | 2,087 |
| Noninterest income to average assets | 0.3499% | 4,889 |
| Noninterest expense to average assets | 2.0903% | 5,885 |
| Loan and lease loss provision to assets | 0.0289% | 4,349 |
| Net operating income to assets | 1.9564% | 381 |
| Return on assets (ROA) | 1.9564% | 411 |
| Pretax return on assets | 1.9929% | 616 |
| Return on Equity (ROE) | 18.9680% | 389 |
| Retained earnings to average equity (ytd only) | -0.2802% | 5,911 |
| Net charge-offs to loans | 0.0341% | 4,211 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 69.9474% | 640 |
| Efficiency ratio | 50.8324% | 6,367 |
| Assets per employee ($millions) | 3.3430% | 5,183 |
| Cash dividends to net income (ytd only)* | 101.4774% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 3,907 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9012% | 3,986 |
| Noncurrent loans to loans | 0.7932% | 4,327 |
| Net loans and leases to total assets | 86.2568% | 139 |
| Net loans and leases to deposits | 98.8277% | 493 |
| Net loans and leases to core deposits | 100.2371% | 1,054 |
| Total domestic deposits to total assets | 87.2800% | 2,669 |
| Equity capital to assets | 10.3392% | 3,505 |
| Core capital (leverage) ratio | 10.2782% | 3,125 |
| Tier 1 risk-based capital ratio | 14.9829% | 3,789 |
| Total risk-based capital ratio | 16.2400% | 3,750 |
| Memoranda: | ||
| Average total assets | $131,465,670 | 4,110 |
| Average earning assets | $125,619,330 | 3,997 |
| Average equity | $13,559,670 | 4,229 |
| Average total loans | $111,492,330 | 3,236 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 3,023 |
| Cost of funding earning assets | 0.3940% | 5,167 |
| Net interest margin | 3.8762% | 2,196 |
| Noninterest income to average assets | 0.3182% | 5,150 |
| Noninterest expense to average assets | 2.0514% | 6,004 |
| Loan and lease loss provision to assets | 0.0030% | 4,385 |
| Net operating income to assets | 1.9271% | 388 |
| Return on assets (ROA) | 1.9271% | 424 |
| Pretax return on assets | 1.9605% | 636 |
| Return on Equity (ROE) | 18.7066% | 383 |
| Retained earnings to average equity (ytd only) | 5.9120% | 2,729 |
| Net charge-offs to loans | 0.0036% | 4,094 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 648.0000% | 49 |
| Efficiency ratio | 51.0943% | 6,435 |
| Assets per employee ($millions) | 3.5972% | 4,788 |
| Cash dividends to net income (ytd only)* | 68.3962% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 3,888 |
| Loan loss allowance to noncurrent loans | 187.2414% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 4,139 |
| Noncurrent loans to loans | 0.7929% | 4,535 |
| Net loans and leases to total assets | 81.2194% | 331 |
| Net loans and leases to deposits | 92.9756% | 733 |
| Net loans and leases to core deposits | 94.5177% | 1,307 |
| Total domestic deposits to total assets | 87.3556% | 2,721 |
| Equity capital to assets | 10.2934% | 3,805 |
| Core capital (leverage) ratio | 10.2901% | 3,025 |
| Tier 1 risk-based capital ratio | 15.7769% | 3,387 |
| Total risk-based capital ratio | 17.0344% | 3,339 |
| Memoranda: | ||
| Average total assets | $132,010,000 | 4,138 |
| Average earning assets | $125,895,000 | 4,023 |
| Average equity | $13,599,500 | 4,271 |
| Average total loans | $110,194,500 | 3,282 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 3,148 |
| Cost of funding earning assets | 0.4915% | 5,280 |
| Net interest margin | 4.0735% | 2,108 |
| Noninterest income to average assets | 0.8566% | 2,008 |
| Noninterest expense to average assets | 1.9882% | 6,351 |
| Loan and lease loss provision to assets | 0.0260% | 5,567 |
| Net operating income to assets | 2.6628% | 127 |
| Return on assets (ROA) | 2.6628% | 139 |
| Pretax return on assets | 2.7219% | 190 |
| Return on Equity (ROE) | 25.9827% | 103 |
| Retained earnings to average equity (ytd only) | 8.2969% | 1,033 |
| Net charge-offs to loans | 0.0259% | 5,533 |
| Credit loss provision to net charge-offs | 122.2222% | 2,336 |
| Earnings coverage of net charge-offs (x) | 129.1481% | 313 |
| Efficiency ratio | 41.9800% | 6,894 |
| Assets per employee ($millions) | 3.6368% | 4,694 |
| Cash dividends to net income (ytd only)* | 68.0675% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 3,852 |
| Loan loss allowance to noncurrent loans | 162.2510% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 4,003 |
| Noncurrent loans to loans | 0.9073% | 4,370 |
| Net loans and leases to total assets | 83.2782% | 255 |
| Net loans and leases to deposits | 95.4253% | 655 |
| Net loans and leases to core deposits | 96.9975% | 1,223 |
| Total domestic deposits to total assets | 87.2706% | 2,660 |
| Equity capital to assets | 10.3105% | 3,744 |
| Core capital (leverage) ratio | 10.4850% | 2,783 |
| Tier 1 risk-based capital ratio | 15.2989% | 3,543 |
| Total risk-based capital ratio | 16.5558% | 3,494 |
| Memoranda: | ||
| Average total assets | $126,898,200 | 4,213 |
| Average earning assets | $120,853,400 | 4,095 |
| Average equity | $13,004,800 | 4,359 |
| Average total loans | $104,163,600 | 3,422 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 3,166 |
| Cost of funding earning assets | 0.5153% | 5,340 |
| Net interest margin | 4.0945% | 2,110 |
| Noninterest income to average assets | 0.9320% | 1,729 |
| Noninterest expense to average assets | 1.9921% | 6,360 |
| Loan and lease loss provision to assets | 0.0042% | 5,753 |
| Net operating income to assets | 2.7632% | 130 |
| Return on assets (ROA) | 2.7632% | 136 |
| Pretax return on assets | 2.8320% | 182 |
| Return on Equity (ROE) | 27.0050% | 109 |
| Retained earnings to average equity (ytd only) | 8.3737% | 1,448 |
| Net charge-offs to loans | -0.0013% | 6,190 |
| Credit loss provision to net charge-offs | -400.0000% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2590% | 6,988 |
| Assets per employee ($millions) | 3.5169% | 4,943 |
| Cash dividends to net income (ytd only)* | 68.9919% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 3,741 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 4,427 |
| Noncurrent loans to loans | 0.7035% | 5,032 |
| Net loans and leases to total assets | 81.7913% | 359 |
| Net loans and leases to deposits | 93.9505% | 795 |
| Net loans and leases to core deposits | 94.8550% | 1,502 |
| Total domestic deposits to total assets | 87.0579% | 2,629 |
| Equity capital to assets | 10.4486% | 3,903 |
| Core capital (leverage) ratio | 10.5005% | 2,907 |
| Tier 1 risk-based capital ratio | 15.8918% | 3,327 |
| Total risk-based capital ratio | 17.1508% | 3,291 |
| Memoranda: | ||
| Average total assets | $125,891,500 | 4,271 |
| Average earning assets | $119,800,500 | 4,155 |
| Average equity | $12,881,250 | 4,418 |
| Average total loans | $102,539,250 | 3,496 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 3,301 |
| Cost of funding earning assets | 0.5425% | 5,354 |
| Net interest margin | 4.0712% | 2,200 |
| Noninterest income to average assets | 1.1381% | 1,099 |
| Noninterest expense to average assets | 2.0374% | 6,359 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.8937% | 111 |
| Return on assets (ROA) | 2.8937% | 116 |
| Pretax return on assets | 2.9828% | 156 |
| Return on Equity (ROE) | 28.4834% | 91 |
| Retained earnings to average equity (ytd only) | 7.0973% | 2,048 |
| Net charge-offs to loans | -0.0079% | 6,236 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5834% | 7,055 |
| Assets per employee ($millions) | 3.4490% | 5,097 |
| Cash dividends to net income (ytd only)* | 75.0825% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 3,743 |
| Loan loss allowance to noncurrent loans | 278.1197% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 4,759 |
| Noncurrent loans to loans | 0.5609% | 5,387 |
| Net loans and leases to total assets | 82.6929% | 289 |
| Net loans and leases to deposits | 94.9402% | 701 |
| Net loans and leases to core deposits | 96.0953% | 1,422 |
| Total domestic deposits to total assets | 87.1000% | 2,716 |
| Equity capital to assets | 10.3678% | 3,847 |
| Core capital (leverage) ratio | 10.2582% | 3,086 |
| Tier 1 risk-based capital ratio | 15.8217% | 3,264 |
| Total risk-based capital ratio | 17.0815% | 3,225 |
| Memoranda: | ||
| Average total assets | $125,652,000 | 4,300 |
| Average earning assets | $119,816,670 | 4,178 |
| Average equity | $12,765,330 | 4,440 |
| Average total loans | $101,657,670 | 3,524 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 3,537 |
| Cost of funding earning assets | 0.5954% | 5,173 |
| Net interest margin | 3.9982% | 2,517 |
| Noninterest income to average assets | 1.8925% | 449 |
| Noninterest expense to average assets | 2.1393% | 6,178 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.4115% | 87 |
| Return on assets (ROA) | 3.4115% | 96 |
| Pretax return on assets | 3.5571% | 117 |
| Return on Equity (ROE) | 33.9220% | 74 |
| Retained earnings to average equity (ytd only) | 18.3456% | 236 |
| Net charge-offs to loans | -0.0040% | 5,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5556% | 7,159 |
| Assets per employee ($millions) | 3.5670% | 4,961 |
| Cash dividends to net income (ytd only)* | 45.9184% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 3,604 |
| Loan loss allowance to noncurrent loans | 156.1538% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.1930% | 4,134 |
| Noncurrent loans to loans | 1.0463% | 4,602 |
| Net loans and leases to total assets | 76.1409% | 782 |
| Net loans and leases to deposits | 87.1387% | 1,268 |
| Net loans and leases to core deposits | 88.1585% | 2,033 |
| Total domestic deposits to total assets | 87.3789% | 2,732 |
| Equity capital to assets | 10.1260% | 3,950 |
| Core capital (leverage) ratio | 10.1669% | 3,152 |
| Tier 1 risk-based capital ratio | 16.8052% | 2,758 |
| Total risk-based capital ratio | 18.0653% | 2,709 |
| Memoranda: | ||
| Average total assets | $126,396,500 | 4,315 |
| Average earning assets | $120,254,500 | 4,190 |
| Average equity | $12,711,500 | 4,463 |
| Average total loans | $100,336,000 | 3,589 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1398% | 2,290 |
| Cost of funding earning assets | 0.7840% | 4,979 |
| Net interest margin | 4.3559% | 1,527 |
| Noninterest income to average assets | 0.3280% | 5,196 |
| Noninterest expense to average assets | 2.3292% | 5,977 |
| Loan and lease loss provision to assets | 0.0676% | 5,763 |
| Net operating income to assets | 2.0638% | 275 |
| Return on assets (ROA) | 2.0638% | 294 |
| Pretax return on assets | 2.0893% | 452 |
| Return on Equity (ROE) | 20.3458% | 251 |
| Retained earnings to average equity (ytd only) | 1.5763% | 5,088 |
| Net charge-offs to loans | 0.0802% | 5,522 |
| Credit loss provision to net charge-offs | 101.2346% | 3,435 |
| Earnings coverage of net charge-offs (x) | 32.3086% | 796 |
| Efficiency ratio | 51.9199% | 6,707 |
| Assets per employee ($millions) | 3.4550% | 5,127 |
| Cash dividends to net income (ytd only)* | 92.2524% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 3,575 |
| Loan loss allowance to noncurrent loans | 61.7815% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.1997% | 2,740 |
| Noncurrent loans to loans | 2.5940% | 2,524 |
| Net loans and leases to total assets | 80.1175% | 482 |
| Net loans and leases to deposits | 92.4595% | 930 |
| Net loans and leases to core deposits | 93.5840% | 1,741 |
| Total domestic deposits to total assets | 86.6515% | 2,948 |
| Equity capital to assets | 9.9854% | 4,186 |
| Core capital (leverage) ratio | 9.9438% | 3,400 |
| Tier 1 risk-based capital ratio | 15.8078% | 3,154 |
| Total risk-based capital ratio | 17.0678% | 3,111 |
| Memoranda: | ||
| Average total assets | $121,331,800 | 4,364 |
| Average earning assets | $115,821,200 | 4,244 |
| Average equity | $12,307,200 | 4,475 |
| Average total loans | $101,023,400 | 3,594 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1951% | 2,225 |
| Cost of funding earning assets | 0.8178% | 5,027 |
| Net interest margin | 4.3772% | 1,469 |
| Noninterest income to average assets | 0.3152% | 5,342 |
| Noninterest expense to average assets | 2.3698% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.0956% | 295 |
| Return on assets (ROA) | 2.0956% | 316 |
| Pretax return on assets | 2.1298% | 488 |
| Return on Equity (ROE) | 20.5766% | 278 |
| Retained earnings to average equity (ytd only) | 0.9230% | 5,635 |
| Net charge-offs to loans | -0.0013% | 6,661 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6665% | 6,620 |
| Assets per employee ($millions) | 3.1623% | 5,761 |
| Cash dividends to net income (ytd only)* | 95.5145% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 3,783 |
| Loan loss allowance to noncurrent loans | 50.1855% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 2.7106% | 2,392 |
| Noncurrent loans to loans | 3.1355% | 2,220 |
| Net loans and leases to total assets | 82.3143% | 330 |
| Net loans and leases to deposits | 95.0045% | 759 |
| Net loans and leases to core deposits | 96.3956% | 1,567 |
| Total domestic deposits to total assets | 86.6424% | 2,861 |
| Equity capital to assets | 9.9821% | 4,367 |
| Core capital (leverage) ratio | 10.1011% | 3,304 |
| Tier 1 risk-based capital ratio | 15.5166% | 3,374 |
| Total risk-based capital ratio | 16.7770% | 3,332 |
| Memoranda: | ||
| Average total assets | $120,569,500 | 4,402 |
| Average earning assets | $115,260,250 | 4,275 |
| Average equity | $12,279,000 | 4,492 |
| Average total loans | $100,960,750 | 3,624 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 2,189 |
| Cost of funding earning assets | 0.8606% | 4,979 |
| Net interest margin | 4.3588% | 1,487 |
| Noninterest income to average assets | 0.2842% | 5,607 |
| Noninterest expense to average assets | 2.4054% | 5,824 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0009% | 342 |
| Return on assets (ROA) | 2.0009% | 359 |
| Pretax return on assets | 2.0527% | 529 |
| Return on Equity (ROE) | 19.5137% | 342 |
| Retained earnings to average equity (ytd only) | -1.9237% | 6,237 |
| Net charge-offs to loans | -0.0020% | 6,529 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9558% | 6,626 |
| Assets per employee ($millions) | 3.0675% | 5,938 |
| Cash dividends to net income (ytd only)* | 109.8580% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 3,739 |
| Loan loss allowance to noncurrent loans | 54.2628% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.5001% | 2,667 |
| Noncurrent loans to loans | 2.9261% | 2,492 |
| Net loans and leases to total assets | 84.0856% | 243 |
| Net loans and leases to deposits | 97.3400% | 630 |
| Net loans and leases to core deposits | 98.6254% | 1,454 |
| Total domestic deposits to total assets | 86.3835% | 3,107 |
| Equity capital to assets | 10.1209% | 3,988 |
| Core capital (leverage) ratio | 10.0350% | 3,221 |
| Tier 1 risk-based capital ratio | 15.5620% | 3,210 |
| Total risk-based capital ratio | 16.8228% | 3,158 |
| Memoranda: | ||
| Average total assets | $119,649,000 | 4,467 |
| Average earning assets | $114,572,670 | 4,318 |
| Average equity | $12,268,330 | 4,486 |
| Average total loans | $100,233,670 | 3,680 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 2,401 |
| Cost of funding earning assets | 0.8635% | 5,185 |
| Net interest margin | 4.2930% | 1,582 |
| Noninterest income to average assets | 0.2607% | 5,801 |
| Noninterest expense to average assets | 2.3567% | 6,027 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9055% | 400 |
| Return on assets (ROA) | 1.9055% | 423 |
| Pretax return on assets | 2.0091% | 554 |
| Return on Equity (ROE) | 18.4638% | 442 |
| Retained earnings to average equity (ytd only) | 7.9362% | 1,757 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9816% | 6,699 |
| Assets per employee ($millions) | 3.0965% | 5,961 |
| Cash dividends to net income (ytd only)* | 57.0175% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 3,643 |
| Loan loss allowance to noncurrent loans | 95.4118% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.4077% | 4,165 |
| Noncurrent loans to loans | 1.7010% | 3,940 |
| Net loans and leases to total assets | 81.4148% | 398 |
| Net loans and leases to deposits | 94.4539% | 785 |
| Net loans and leases to core deposits | 95.4572% | 1,719 |
| Total domestic deposits to total assets | 86.1953% | 3,403 |
| Equity capital to assets | 10.3268% | 3,377 |
| Core capital (leverage) ratio | 10.2488% | 2,865 |
| Tier 1 risk-based capital ratio | 16.3881% | 2,711 |
| Total risk-based capital ratio | 17.6496% | 2,678 |
| Memoranda: | ||
| Average total assets | $119,656,500 | 4,489 |
| Average earning assets | $114,419,500 | 4,344 |
| Average equity | $12,348,500 | 4,474 |
| Average total loans | $99,241,500 | 3,744 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 3,804 |
| Cost of funding earning assets | 1.1696% | 4,733 |
| Net interest margin | 3.9903% | 3,059 |
| Noninterest income to average assets | 0.3822% | 5,042 |
| Noninterest expense to average assets | 2.2804% | 6,412 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8629% | 368 |
| Return on assets (ROA) | 1.8629% | 396 |
| Pretax return on assets | 1.8822% | 637 |
| Return on Equity (ROE) | 20.5681% | 220 |
| Retained earnings to average equity (ytd only) | 1.9504% | 4,502 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7840% | 6,736 |
| Assets per employee ($millions) | 3.2126% | 5,639 |
| Cash dividends to net income (ytd only)* | 90.5172% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 4,224 |
| Loan loss allowance to noncurrent loans | 174.6544% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 5,575 |
| Noncurrent loans to loans | 0.8365% | 5,380 |
| Net loans and leases to total assets | 83.7533% | 327 |
| Net loans and leases to deposits | 92.6628% | 1,180 |
| Net loans and leases to core deposits | 93.7538% | 2,289 |
| Total domestic deposits to total assets | 90.3850% | 895 |
| Equity capital to assets | 9.4708% | 4,441 |
| Core capital (leverage) ratio | 9.2552% | 4,089 |
| Tier 1 risk-based capital ratio | 13.2516% | 4,410 |
| Total risk-based capital ratio | 14.5077% | 4,358 |
| Memoranda: | ||
| Average total assets | $62,268,600 | 6,116 |
| Average earning assets | $58,992,600 | 6,025 |
| Average equity | $5,639,800 | 6,474 |
| Average total loans | $47,274,200 | 5,591 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 4,278 |
| Cost of funding earning assets | 1.2347% | 4,655 |
| Net interest margin | 3.8731% | 3,648 |
| Noninterest income to average assets | 0.3452% | 5,404 |
| Noninterest expense to average assets | 2.2181% | 6,556 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7642% | 552 |
| Return on assets (ROA) | 1.7642% | 599 |
| Pretax return on assets | 1.7898% | 942 |
| Return on Equity (ROE) | 19.6979% | 326 |
| Retained earnings to average equity (ytd only) | -1.7129% | 6,142 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3429% | 6,641 |
| Assets per employee ($millions) | 3.3065% | 5,442 |
| Cash dividends to net income (ytd only)* | 108.6959% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 3,697 |
| Loan loss allowance to noncurrent loans | 167.6991% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 5,464 |
| Noncurrent loans to loans | 0.9311% | 5,375 |
| Net loans and leases to total assets | 76.0677% | 1,396 |
| Net loans and leases to deposits | 83.6259% | 2,771 |
| Net loans and leases to core deposits | 84.5730% | 3,867 |
| Total domestic deposits to total assets | 90.9619% | 465 |
| Equity capital to assets | 8.9123% | 5,689 |
| Core capital (leverage) ratio | 9.0442% | 4,610 |
| Tier 1 risk-based capital ratio | 13.4591% | 4,233 |
| Total risk-based capital ratio | 14.7163% | 4,177 |
| Memoranda: | ||
| Average total assets | $62,575,750 | 6,169 |
| Average earning assets | $59,175,750 | 6,092 |
| Average equity | $5,604,500 | 6,565 |
| Average total loans | $46,122,500 | 5,725 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 4,705 |
| Cost of funding earning assets | 1.3072% | 4,489 |
| Net interest margin | 3.7427% | 4,170 |
| Noninterest income to average assets | 0.3616% | 5,257 |
| Noninterest expense to average assets | 2.2498% | 6,504 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6194% | 693 |
| Return on assets (ROA) | 1.6194% | 749 |
| Pretax return on assets | 1.6578% | 1,152 |
| Return on Equity (ROE) | 18.0510% | 460 |
| Retained earnings to average equity (ytd only) | -6.0289% | 6,658 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5758% | 6,440 |
| Assets per employee ($millions) | 3.2564% | 5,538 |
| Cash dividends to net income (ytd only)* | 133.3992% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 3,300 |
| Loan loss allowance to noncurrent loans | 167.6991% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 5,480 |
| Noncurrent loans to loans | 0.9763% | 5,356 |
| Net loans and leases to total assets | 73.6003% | 2,005 |
| Net loans and leases to deposits | 82.3621% | 3,207 |
| Net loans and leases to core deposits | 83.3236% | 4,237 |
| Total domestic deposits to total assets | 89.3619% | 1,246 |
| Equity capital to assets | 8.8926% | 5,617 |
| Core capital (leverage) ratio | 8.7863% | 4,936 |
| Tier 1 risk-based capital ratio | 13.7998% | 3,881 |
| Total risk-based capital ratio | 15.0589% | 3,836 |
| Memoranda: | ||
| Average total assets | $62,493,330 | 6,214 |
| Average earning assets | $59,208,670 | 6,132 |
| Average equity | $5,606,330 | 6,582 |
| Average total loans | $45,314,670 | 5,804 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 5,310 |
| Cost of funding earning assets | 1.4220% | 4,037 |
| Net interest margin | 3.5080% | 5,123 |
| Noninterest income to average assets | 0.2993% | 5,754 |
| Noninterest expense to average assets | 2.2801% | 6,444 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2738% | 1,352 |
| Return on assets (ROA) | 1.2738% | 1,423 |
| Pretax return on assets | 1.3502% | 1,904 |
| Return on Equity (ROE) | 14.1380% | 1,028 |
| Retained earnings to average equity (ytd only) | -1.7673% | 6,174 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8070% | 5,690 |
| Assets per employee ($millions) | 3.2859% | 5,567 |
| Cash dividends to net income (ytd only)* | 112.5000% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 3,048 |
| Loan loss allowance to noncurrent loans | 138.0692% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 5,210 |
| Noncurrent loans to loans | 1.2348% | 4,909 |
| Net loans and leases to total assets | 70.0026% | 2,940 |
| Net loans and leases to deposits | 78.5069% | 3,945 |
| Net loans and leases to core deposits | 79.4127% | 4,843 |
| Total domestic deposits to total assets | 89.1674% | 1,432 |
| Equity capital to assets | 9.0434% | 5,214 |
| Core capital (leverage) ratio | 8.9732% | 4,613 |
| Tier 1 risk-based capital ratio | 14.4156% | 3,432 |
| Total risk-based capital ratio | 15.6743% | 3,390 |
| Memoranda: | ||
| Average total assets | $62,804,000 | 6,275 |
| Average earning assets | $59,635,500 | 6,188 |
| Average equity | $5,658,500 | 6,630 |
| Average total loans | $44,824,000 | 5,894 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3569% | 4,912 |
| Cost of funding earning assets | 1.9122% | 3,394 |
| Net interest margin | 3.4447% | 5,195 |
| Noninterest income to average assets | 0.4548% | 4,763 |
| Noninterest expense to average assets | 2.1367% | 7,108 |
| Loan and lease loss provision to assets | 0.1995% | 5,743 |
| Net operating income to assets | 1.3516% | 938 |
| Return on assets (ROA) | 1.3516% | 986 |
| Pretax return on assets | 1.3755% | 1,491 |
| Return on Equity (ROE) | 15.1396% | 652 |
| Retained earnings to average equity (ytd only) | 3.9681% | 2,425 |
| Net charge-offs to loans | 0.2764% | 4,900 |
| Credit loss provision to net charge-offs | 98.4252% | 5,660 |
| Earnings coverage of net charge-offs (x) | 7.7717% | 2,072 |
| Efficiency ratio | 57.5666% | 6,824 |
| Assets per employee ($millions) | 3.3251% | 5,441 |
| Cash dividends to net income (ytd only)* | 73.7898% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 2,977 |
| Loan loss allowance to noncurrent loans | 112.2963% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 4,958 |
| Noncurrent loans to loans | 1.4938% | 4,425 |
| Net loans and leases to total assets | 70.3242% | 3,178 |
| Net loans and leases to deposits | 78.8429% | 4,204 |
| Net loans and leases to core deposits | 89.9370% | 5,133 |
| Total domestic deposits to total assets | 89.1953% | 1,391 |
| Equity capital to assets | 8.9765% | 5,181 |
| Core capital (leverage) ratio | 8.5506% | 5,195 |
| Tier 1 risk-based capital ratio | 13.9969% | 3,502 |
| Total risk-based capital ratio | 15.2557% | 3,452 |
| Memoranda: | ||
| Average total assets | $62,666,600 | 6,250 |
| Average earning assets | $59,250,800 | 6,152 |
| Average equity | $5,594,600 | 6,745 |
| Average total loans | $45,944,000 | 5,839 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4492% | 4,691 |
| Cost of funding earning assets | 2.0070% | 3,326 |
| Net interest margin | 3.4422% | 5,102 |
| Noninterest income to average assets | 0.4946% | 4,530 |
| Noninterest expense to average assets | 1.9529% | 7,462 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7567% | 499 |
| Return on assets (ROA) | 1.7567% | 521 |
| Pretax return on assets | 1.7887% | 818 |
| Return on Equity (ROE) | 19.7048% | 328 |
| Retained earnings to average equity (ytd only) | 4.7589% | 2,628 |
| Net charge-offs to loans | 0.0058% | 6,883 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 418.9663% | 85 |
| Efficiency ratio | 52.1937% | 7,395 |
| Assets per employee ($millions) | 3.2793% | 5,453 |
| Cash dividends to net income (ytd only)* | 75.8492% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 2,614 |
| Loan loss allowance to noncurrent loans | 50.9409% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.3882% | 2,887 |
| Noncurrent loans to loans | 3.3449% | 2,257 |
| Net loans and leases to total assets | 70.1826% | 3,461 |
| Net loans and leases to deposits | 78.7140% | 4,615 |
| Net loans and leases to core deposits | 91.2216% | 5,309 |
| Total domestic deposits to total assets | 89.1616% | 1,126 |
| Equity capital to assets | 9.0649% | 5,392 |
| Core capital (leverage) ratio | 8.9671% | 4,697 |
| Tier 1 risk-based capital ratio | 13.3425% | 3,961 |
| Total risk-based capital ratio | 14.5992% | 3,904 |
| Memoranda: | ||
| Average total assets | $62,539,250 | 6,295 |
| Average earning assets | $58,991,750 | 6,215 |
| Average equity | $5,575,500 | 6,822 |
| Average total loans | $46,133,500 | 5,876 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5780% | 4,174 |
| Cost of funding earning assets | 2.1015% | 3,260 |
| Net interest margin | 3.4765% | 4,912 |
| Noninterest income to average assets | 0.5430% | 4,088 |
| Noninterest expense to average assets | 1.9068% | 7,614 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8749% | 394 |
| Return on assets (ROA) | 1.8749% | 425 |
| Pretax return on assets | 1.9228% | 662 |
| Return on Equity (ROE) | 21.1481% | 275 |
| Retained earnings to average equity (ytd only) | 4.9358% | 2,546 |
| Net charge-offs to loans | 0.0086% | 6,454 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 301.0000% | 129 |
| Efficiency ratio | 49.7915% | 7,684 |
| Assets per employee ($millions) | 3.1237% | 5,801 |
| Cash dividends to net income (ytd only)* | 76.6610% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 2,430 |
| Loan loss allowance to noncurrent loans | 41.3079% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 2.9373% | 2,172 |
| Noncurrent loans to loans | 4.0533% | 1,657 |
| Net loans and leases to total assets | 71.2532% | 3,409 |
| Net loans and leases to deposits | 79.7885% | 4,575 |
| Net loans and leases to core deposits | 92.4371% | 5,303 |
| Total domestic deposits to total assets | 89.3026% | 1,123 |
| Equity capital to assets | 8.9415% | 5,397 |
| Core capital (leverage) ratio | 8.8494% | 4,863 |
| Tier 1 risk-based capital ratio | 13.0817% | 4,083 |
| Total risk-based capital ratio | 14.3392% | 3,993 |
| Memoranda: | ||
| Average total assets | $62,617,000 | 6,349 |
| Average earning assets | $59,197,000 | 6,267 |
| Average equity | $5,551,330 | 6,879 |
| Average total loans | $46,682,670 | 5,906 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5691% | 4,530 |
| Cost of funding earning assets | 2.2155% | 3,085 |
| Net interest margin | 3.3536% | 5,309 |
| Noninterest income to average assets | 0.5806% | 3,681 |
| Noninterest expense to average assets | 1.9397% | 7,465 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7228% | 619 |
| Return on assets (ROA) | 1.7228% | 679 |
| Pretax return on assets | 1.8185% | 943 |
| Return on Equity (ROE) | 19.5157% | 459 |
| Retained earnings to average equity (ytd only) | 12.2877% | 742 |
| Net charge-offs to loans | 0.0169% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 142.5000% | 309 |
| Efficiency ratio | 51.6129% | 7,452 |
| Assets per employee ($millions) | 3.5194% | 4,770 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 2,451 |
| Loan loss allowance to noncurrent loans | 58.0843% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.0600% | 2,812 |
| Noncurrent loans to loans | 2.7869% | 2,353 |
| Net loans and leases to total assets | 72.7198% | 3,067 |
| Net loans and leases to deposits | 82.8248% | 4,158 |
| Net loans and leases to core deposits | 95.9290% | 4,977 |
| Total domestic deposits to total assets | 87.7995% | 1,840 |
| Equity capital to assets | 8.8698% | 5,525 |
| Core capital (leverage) ratio | 8.9276% | 4,826 |
| Tier 1 risk-based capital ratio | 12.8567% | 4,283 |
| Total risk-based capital ratio | 14.1128% | 4,200 |
| Memoranda: | ||
| Average total assets | $62,689,000 | 6,371 |
| Average earning assets | $59,399,000 | 6,284 |
| Average equity | $5,534,000 | 6,933 |
| Average total loans | $47,388,000 | 5,895 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2072% | 4,479 |
| Cost of funding earning assets | 2.9176% | 2,185 |
| Net interest margin | 3.2896% | 6,076 |
| Noninterest income to average assets | 0.3735% | 5,706 |
| Noninterest expense to average assets | 1.8471% | 7,695 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6128% | 817 |
| Return on assets (ROA) | 1.6128% | 775 |
| Pretax return on assets | 1.6334% | 1,301 |
| Return on Equity (ROE) | 18.8564% | 460 |
| Retained earnings to average equity (ytd only) | 1.2768% | 4,451 |
| Net charge-offs to loans | 0.0519% | 6,048 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 41.2800% | 893 |
| Efficiency ratio | 53.0696% | 7,373 |
| Assets per employee ($millions) | 3.6487% | 4,288 |
| Cash dividends to net income (ytd only)* | 93.2287% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 2,306 |
| Loan loss allowance to noncurrent loans | 85.8757% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 3,236 |
| Noncurrent loans to loans | 1.8457% | 2,993 |
| Net loans and leases to total assets | 76.0785% | 2,599 |
| Net loans and leases to deposits | 86.6762% | 4,009 |
| Net loans and leases to core deposits | 98.4746% | 4,991 |
| Total domestic deposits to total assets | 87.7733% | 1,567 |
| Equity capital to assets | 8.7847% | 5,678 |
| Core capital (leverage) ratio | 8.6300% | 5,321 |
| Tier 1 risk-based capital ratio | 12.3883% | 4,515 |
| Total risk-based capital ratio | 13.6433% | 4,406 |
| Memoranda: | ||
| Average total assets | $63,181,800 | 6,268 |
| Average earning assets | $59,672,200 | 6,186 |
| Average equity | $5,404,000 | 7,016 |
| Average total loans | $48,210,800 | 5,773 |